Home > Bank of the Plains > Performance and Condition Ratios
Bank of the Plains, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0526% | 1,117 |
| Cost of funding earning assets | 1.9789% | 1,986 |
| Net interest margin | 4.0737% | 1,149 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 3.0645% | 1,044 |
| Loan and lease loss provision to assets | 0.2900% | 380 |
| Net operating income to assets | 0.5567% | 3,446 |
| Return on assets (ROA) | 0.5705% | 3,428 |
| Pretax return on assets | 0.7294% | 3,337 |
| Return on Equity (ROE) | 6.2900% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.2870% | 2,191 |
| Net charge-offs to loans | 0.0192% | 1,619 |
| Credit loss provision to net charge-offs | 2,273.3333% | 186 |
| Earnings coverage of net charge-offs (x) | 72.9333% | 833 |
| Efficiency ratio | 73.7246% | 1,461 |
| Assets per employee ($millions) | 5.9689% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 1,937 |
| Loan loss allowance to noncurrent loans | 191.1779% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 1,481 |
| Noncurrent loans to loans | 0.6529% | 1,545 |
| Net loans and leases to total assets | 70.4300% | 1,792 |
| Net loans and leases to deposits | 81.3037% | 1,944 |
| Net loans and leases to core deposits | 95.1256% | 1,695 |
| Total domestic deposits to total assets | 86.6200% | 2,078 |
| Equity capital to assets | 9.1889% | 2,794 |
| Core capital (leverage) ratio | 8.7403% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1176% | 2,480 |
| Memoranda: | ||
| Average total assets | $435,441,500 | 1,971 |
| Average earning assets | $400,620,000 | 1,976 |
| Average equity | $39,510,000 | 2,054 |
| Average total loans | $312,745,000 | 1,828 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 1,372 |
| Cost of funding earning assets | 1.7257% | 2,902 |
| Net interest margin | 4.2146% | 916 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 3.0795% | 1,025 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.7471% | 2,839 |
| Return on assets (ROA) | 0.7486% | 2,851 |
| Pretax return on assets | 0.9395% | 2,698 |
| Return on Equity (ROE) | 8.3700% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.8219% | 1,893 |
| Net charge-offs to loans | 0.1001% | 1,178 |
| Credit loss provision to net charge-offs | 283.3333% | 904 |
| Earnings coverage of net charge-offs (x) | 16.2813% | 1,989 |
| Efficiency ratio | 71.9980% | 1,768 |
| Assets per employee ($millions) | 5.5789% | 3,225 |
| Cash dividends to net income (ytd only)* | 30.4224% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 2,550 |
| Loan loss allowance to noncurrent loans | 151.9025% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 1,274 |
| Noncurrent loans to loans | 0.7432% | 1,334 |
| Net loans and leases to total assets | 71.5100% | 1,726 |
| Net loans and leases to deposits | 88.5145% | 1,341 |
| Net loans and leases to core deposits | 104.8037% | 1,194 |
| Total domestic deposits to total assets | 80.7900% | 3,448 |
| Equity capital to assets | 8.9580% | 2,843 |
| Core capital (leverage) ratio | 8.7514% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5466% | 2,644 |
| Memoranda: | ||
| Average total assets | $423,740,800 | 1,978 |
| Average earning assets | $388,009,600 | 1,987 |
| Average equity | $37,908,400 | 2,057 |
| Average total loans | $287,603,200 | 1,901 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 1,391 |
| Cost of funding earning assets | 1.7290% | 2,885 |
| Net interest margin | 4.1752% | 930 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 3.0503% | 1,041 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.7585% | 2,813 |
| Return on assets (ROA) | 0.7606% | 2,818 |
| Pretax return on assets | 0.9326% | 2,733 |
| Return on Equity (ROE) | 8.5000% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.0866% | 2,434 |
| Net charge-offs to loans | 0.0494% | 1,408 |
| Credit loss provision to net charge-offs | 522.1154% | 610 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,456 |
| Efficiency ratio | 72.1231% | 1,775 |
| Assets per employee ($millions) | 5.4248% | 3,338 |
| Cash dividends to net income (ytd only)* | 40.1916% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,311 |
| Loan loss allowance to noncurrent loans | 229.2522% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,690 |
| Noncurrent loans to loans | 0.5157% | 1,794 |
| Net loans and leases to total assets | 69.3200% | 1,932 |
| Net loans and leases to deposits | 81.1283% | 2,071 |
| Net loans and leases to core deposits | 97.0690% | 1,690 |
| Total domestic deposits to total assets | 85.4400% | 2,153 |
| Equity capital to assets | 9.3848% | 2,759 |
| Core capital (leverage) ratio | 8.6901% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8164% | 2,593 |
| Memoranda: | ||
| Average total assets | $420,887,750 | 1,982 |
| Average earning assets | $384,258,000 | 2,001 |
| Average equity | $37,640,250 | 2,070 |
| Average total loans | $280,821,500 | 1,919 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 1,369 |
| Cost of funding earning assets | 1.6853% | 2,887 |
| Net interest margin | 4.1745% | 925 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 3.0037% | 1,100 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.7932% | 2,645 |
| Return on assets (ROA) | 0.7963% | 2,654 |
| Pretax return on assets | 0.9703% | 2,564 |
| Return on Equity (ROE) | 9.0500% | 2,437 |
| Retained earnings to average equity (ytd only) | 3.8524% | 2,765 |
| Net charge-offs to loans | 0.0029% | 2,410 |
| Credit loss provision to net charge-offs | 6,625.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 593.5000% | 207 |
| Efficiency ratio | 71.1514% | 1,962 |
| Assets per employee ($millions) | 5.2884% | 3,381 |
| Cash dividends to net income (ytd only)* | 57.4405% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,476 |
| Loan loss allowance to noncurrent loans | 255.5210% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,440 |
| Noncurrent loans to loans | 0.4520% | 1,866 |
| Net loans and leases to total assets | 67.3200% | 2,195 |
| Net loans and leases to deposits | 78.0272% | 2,378 |
| Net loans and leases to core deposits | 91.8670% | 2,017 |
| Total domestic deposits to total assets | 86.2800% | 1,897 |
| Equity capital to assets | 8.9410% | 2,779 |
| Core capital (leverage) ratio | 8.4435% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6146% | 2,666 |
| Memoranda: | ||
| Average total assets | $421,947,333 | 1,976 |
| Average earning assets | $384,143,333 | 2,001 |
| Average equity | $37,120,000 | 2,059 |
| Average total loans | $276,757,000 | 1,934 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 1,380 |
| Cost of funding earning assets | 1.6713% | 2,815 |
| Net interest margin | 4.0927% | 974 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.8706% | 1,306 |
| Loan and lease loss provision to assets | 0.1600% | 649 |
| Net operating income to assets | 0.7798% | 2,595 |
| Return on assets (ROA) | 0.7858% | 2,598 |
| Pretax return on assets | 0.9782% | 2,442 |
| Return on Equity (ROE) | 9.0000% | 2,389 |
| Retained earnings to average equity (ytd only) | 4.4645% | 2,562 |
| Net charge-offs to loans | -0.0733% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.1510% | 2,137 |
| Assets per employee ($millions) | 5.7243% | 3,052 |
| Cash dividends to net income (ytd only)* | 50.4202% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,474 |
| Loan loss allowance to noncurrent loans | 165.8891% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 975 |
| Noncurrent loans to loans | 0.7007% | 1,268 |
| Net loans and leases to total assets | 64.2400% | 2,444 |
| Net loans and leases to deposits | 74.5012% | 2,555 |
| Net loans and leases to core deposits | 86.9674% | 2,246 |
| Total domestic deposits to total assets | 86.2300% | 2,020 |
| Equity capital to assets | 8.7425% | 2,849 |
| Core capital (leverage) ratio | 8.3487% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6645% | 2,676 |
| Memoranda: | ||
| Average total assets | $424,030,000 | 1,972 |
| Average earning assets | $383,899,500 | 2,006 |
| Average equity | $37,003,000 | 2,057 |
| Average total loans | $272,867,500 | 1,947 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 1,452 |
| Cost of funding earning assets | 1.1171% | 3,021 |
| Net interest margin | 4.2060% | 927 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.8635% | 1,357 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | 0.8822% | 2,602 |
| Return on assets (ROA) | 0.8723% | 2,600 |
| Pretax return on assets | 1.0245% | 2,600 |
| Return on Equity (ROE) | 10.2100% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.9153% | 1,035 |
| Net charge-offs to loans | 0.3923% | 265 |
| Credit loss provision to net charge-offs | 132.8142% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.1568% | 2,492 |
| Efficiency ratio | 65.5640% | 2,407 |
| Assets per employee ($millions) | 5.8145% | 2,971 |
| Cash dividends to net income (ytd only)* | 2.9121% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,740 |
| Loan loss allowance to noncurrent loans | 136.5688% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 1,077 |
| Noncurrent loans to loans | 0.8191% | 943 |
| Net loans and leases to total assets | 63.0000% | 2,573 |
| Net loans and leases to deposits | 75.5084% | 2,499 |
| Net loans and leases to core deposits | 88.0321% | 2,175 |
| Total domestic deposits to total assets | 83.4300% | 2,772 |
| Equity capital to assets | 8.7106% | 2,898 |
| Core capital (leverage) ratio | 8.3651% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6704% | 2,662 |
| Memoranda: | ||
| Average total assets | $393,673,800 | 2,033 |
| Average earning assets | $361,575,800 | 2,035 |
| Average equity | $33,624,800 | 2,112 |
| Average total loans | $229,156,600 | 2,106 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2262% | 1,407 |
| Cost of funding earning assets | 0.9758% | 3,104 |
| Net interest margin | 4.2504% | 863 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.8536% | 1,312 |
| Loan and lease loss provision to assets | 0.6700% | 109 |
| Net operating income to assets | 0.7231% | 3,246 |
| Return on assets (ROA) | 0.7164% | 3,260 |
| Pretax return on assets | 0.8180% | 3,294 |
| Return on Equity (ROE) | 8.4300% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.0272% | 1,959 |
| Net charge-offs to loans | 0.3716% | 235 |
| Credit loss provision to net charge-offs | 266.8852% | 953 |
| Earnings coverage of net charge-offs (x) | 7.0934% | 2,249 |
| Efficiency ratio | 64.1643% | 2,477 |
| Assets per employee ($millions) | 5.5343% | 3,154 |
| Cash dividends to net income (ytd only)* | 4.8216% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,117 |
| Loan loss allowance to noncurrent loans | 236.1689% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 1,486 |
| Noncurrent loans to loans | 0.6351% | 1,288 |
| Net loans and leases to total assets | 60.1000% | 2,836 |
| Net loans and leases to deposits | 69.9691% | 2,844 |
| Net loans and leases to core deposits | 80.7098% | 2,546 |
| Total domestic deposits to total assets | 85.9000% | 2,233 |
| Equity capital to assets | 8.2067% | 2,917 |
| Core capital (leverage) ratio | 8.1062% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0608% | 2,591 |
| Memoranda: | ||
| Average total assets | $385,976,750 | 2,055 |
| Average earning assets | $355,661,250 | 2,062 |
| Average equity | $32,787,750 | 2,137 |
| Average total loans | $218,840,750 | 2,164 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 1,258 |
| Cost of funding earning assets | 0.7131% | 3,447 |
| Net interest margin | 4.4579% | 646 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.8053% | 1,407 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1761% | 1,891 |
| Return on assets (ROA) | 1.1672% | 1,914 |
| Pretax return on assets | 1.4502% | 1,694 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 12.9419% | 814 |
| Net charge-offs to loans | 0.5180% | 159 |
| Credit loss provision to net charge-offs | 52.9630% | 1,658 |
| Earnings coverage of net charge-offs (x) | 5.6444% | 2,161 |
| Efficiency ratio | 62.0479% | 2,708 |
| Assets per employee ($millions) | 5.5921% | 3,064 |
| Cash dividends to net income (ytd only)* | 4.5331% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 2,813 |
| Loan loss allowance to noncurrent loans | 170.7586% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,440 |
| Noncurrent loans to loans | 0.6596% | 1,132 |
| Net loans and leases to total assets | 55.5300% | 3,151 |
| Net loans and leases to deposits | 65.4035% | 3,095 |
| Net loans and leases to core deposits | 73.5302% | 2,923 |
| Total domestic deposits to total assets | 84.9000% | 2,573 |
| Equity capital to assets | 8.9790% | 2,523 |
| Core capital (leverage) ratio | 8.7031% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8196% | 2,363 |
| Memoranda: | ||
| Average total assets | $378,004,000 | 2,089 |
| Average earning assets | $349,716,333 | 2,098 |
| Average equity | $32,545,333 | 2,163 |
| Average total loans | $208,490,667 | 2,231 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0952% | 1,094 |
| Cost of funding earning assets | 0.6083% | 3,355 |
| Net interest margin | 4.4870% | 594 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.7666% | 1,515 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2331% | 1,841 |
| Return on assets (ROA) | 1.2152% | 1,854 |
| Pretax return on assets | 1.5363% | 1,591 |
| Return on Equity (ROE) | 14.4400% | 1,684 |
| Retained earnings to average equity (ytd only) | 13.1609% | 1,062 |
| Net charge-offs to loans | 0.1972% | 368 |
| Credit loss provision to net charge-offs | 113.0000% | 1,054 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,538 |
| Efficiency ratio | 60.7558% | 2,849 |
| Assets per employee ($millions) | 5.6923% | 3,037 |
| Cash dividends to net income (ytd only)* | 8.8652% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 1,896 |
| Loan loss allowance to noncurrent loans | 83.7302% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 538 |
| Noncurrent loans to loans | 1.5885% | 406 |
| Net loans and leases to total assets | 53.3600% | 3,244 |
| Net loans and leases to deposits | 59.9521% | 3,334 |
| Net loans and leases to core deposits | 66.1830% | 3,208 |
| Total domestic deposits to total assets | 89.0000% | 1,548 |
| Equity capital to assets | 8.5103% | 2,881 |
| Core capital (leverage) ratio | 7.9595% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1563% | 2,327 |
| Memoranda: | ||
| Average total assets | $371,282,500 | 2,151 |
| Average earning assets | $343,930,500 | 2,157 |
| Average equity | $31,244,000 | 2,240 |
| Average total loans | $202,817,000 | 2,284 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 1,940 |
| Cost of funding earning assets | 0.3487% | 2,485 |
| Net interest margin | 3.5709% | 1,725 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6001% | 1,825 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.7937% | 3,348 |
| Return on assets (ROA) | 0.7943% | 3,281 |
| Pretax return on assets | 1.0589% | 2,893 |
| Return on Equity (ROE) | 8.7600% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.8472% | 3,116 |
| Net charge-offs to loans | -0.0034% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3049% | 2,048 |
| Assets per employee ($millions) | 5.8255% | 2,925 |
| Cash dividends to net income (ytd only)* | 44.6696% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,894 |
| Loan loss allowance to noncurrent loans | 75.7744% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 457 |
| Noncurrent loans to loans | 1.7162% | 359 |
| Net loans and leases to total assets | 54.4900% | 3,150 |
| Net loans and leases to deposits | 60.3883% | 3,309 |
| Net loans and leases to core deposits | 66.5401% | 3,093 |
| Total domestic deposits to total assets | 90.2300% | 1,266 |
| Equity capital to assets | 8.3147% | 2,839 |
| Core capital (leverage) ratio | 7.5879% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8578% | 2,769 |
| Memoranda: | ||
| Average total assets | $310,607,000 | 2,404 |
| Average earning assets | $287,963,800 | 2,400 |
| Average equity | $28,160,600 | 2,423 |
| Average total loans | $176,636,000 | 2,400 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 2,786 |
| Cost of funding earning assets | 0.2645% | 2,551 |
| Net interest margin | 3.1820% | 2,677 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4741% | 2,087 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.6298% | 3,750 |
| Return on assets (ROA) | 0.6305% | 3,701 |
| Pretax return on assets | 0.8784% | 3,382 |
| Return on Equity (ROE) | 6.7800% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.4781% | 4,143 |
| Net charge-offs to loans | -0.0148% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3386% | 1,844 |
| Assets per employee ($millions) | 6.2351% | 2,545 |
| Cash dividends to net income (ytd only)* | 78.2115% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,930 |
| Loan loss allowance to noncurrent loans | 54.3785% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 326 |
| Noncurrent loans to loans | 2.4310% | 219 |
| Net loans and leases to total assets | 49.9700% | 3,465 |
| Net loans and leases to deposits | 54.7251% | 3,564 |
| Net loans and leases to core deposits | 59.9832% | 3,387 |
| Total domestic deposits to total assets | 91.3100% | 1,119 |
| Equity capital to assets | 7.3395% | 3,309 |
| Core capital (leverage) ratio | 10.0560% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9195% | 2,842 |
| Memoranda: | ||
| Average total assets | $297,963,500 | 2,478 |
| Average earning assets | $276,759,500 | 2,475 |
| Average equity | $27,693,000 | 2,478 |
| Average total loans | $170,945,500 | 2,446 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 2,111 |
| Cost of funding earning assets | 0.2666% | 2,064 |
| Net interest margin | 3.2436% | 2,068 |
| Noninterest income to average assets | 0.8384% | 971 |
| Noninterest expense to average assets | 2.6380% | 1,531 |
| Loan and lease loss provision to assets | 0.0887% | 1,109 |
| Net operating income to assets | 0.7631% | 3,099 |
| Return on assets (ROA) | 0.7689% | 3,033 |
| Pretax return on assets | 1.1416% | 2,268 |
| Return on Equity (ROE) | 7.5310% | 3,157 |
| Retained earnings to average equity (ytd only) | -0.4490% | 4,234 |
| Net charge-offs to loans | -0.0195% | 3,861 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8667% | 2,263 |
| Assets per employee ($millions) | 5.6388% | 3,098 |
| Cash dividends to net income (ytd only)* | 105.9615% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,687 |
| Loan loss allowance to noncurrent loans | 49.6440% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 197 |
| Noncurrent loans to loans | 2.8524% | 182 |
| Net loans and leases to total assets | 57.3849% | 2,591 |
| Net loans and leases to deposits | 65.7992% | 2,560 |
| Net loans and leases to core deposits | 71.3313% | 2,388 |
| Total domestic deposits to total assets | 87.2121% | 2,864 |
| Equity capital to assets | 10.9727% | 1,221 |
| Core capital (leverage) ratio | 11.2949% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1884% | 1,149 |
| Memoranda: | ||
| Average total assets | $270,504,333 | 2,644 |
| Average earning assets | $252,065,667 | 2,657 |
| Average equity | $27,619,000 | 2,542 |
| Average total loans | $163,728,000 | 2,518 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 2,125 |
| Cost of funding earning assets | 0.2733% | 1,893 |
| Net interest margin | 3.1132% | 2,127 |
| Noninterest income to average assets | 0.8712% | 885 |
| Noninterest expense to average assets | 2.6166% | 1,563 |
| Loan and lease loss provision to assets | 0.0887% | 932 |
| Net operating income to assets | 0.5607% | 3,521 |
| Return on assets (ROA) | 0.5724% | 3,465 |
| Pretax return on assets | 1.0783% | 2,215 |
| Return on Equity (ROE) | 5.8241% | 3,394 |
| Retained earnings to average equity (ytd only) | -10.7604% | 4,573 |
| Net charge-offs to loans | -0.0024% | 3,140 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9560% | 2,378 |
| Assets per employee ($millions) | 6.8636% | 2,092 |
| Cash dividends to net income (ytd only)* | 284.7545% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,183 |
| Loan loss allowance to noncurrent loans | 49.1228% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 244 |
| Noncurrent loans to loans | 2.7221% | 209 |
| Net loans and leases to total assets | 53.9004% | 2,772 |
| Net loans and leases to deposits | 62.0845% | 2,710 |
| Net loans and leases to core deposits | 66.9315% | 2,543 |
| Total domestic deposits to total assets | 86.8178% | 2,992 |
| Equity capital to assets | 8.5988% | 3,083 |
| Core capital (leverage) ratio | 9.0586% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4042% | 2,443 |
| Memoranda: | ||
| Average total assets | $270,425,500 | 2,661 |
| Average earning assets | $251,702,500 | 2,673 |
| Average equity | $26,579,000 | 2,678 |
| Average total loans | $166,817,000 | 2,492 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 1,275 |
| Cost of funding earning assets | 0.3667% | 1,796 |
| Net interest margin | 3.6698% | 1,289 |
| Noninterest income to average assets | 0.5550% | 2,341 |
| Noninterest expense to average assets | 2.7288% | 1,552 |
| Loan and lease loss provision to assets | 0.1527% | 785 |
| Net operating income to assets | 0.9897% | 2,713 |
| Return on assets (ROA) | 0.9963% | 2,753 |
| Pretax return on assets | 1.0329% | 3,175 |
| Return on Equity (ROE) | 9.0788% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.9330% | 1,944 |
| Net charge-offs to loans | -0.0265% | 4,079 |
| Credit loss provision to net charge-offs | -835.5556% | 3,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3371% | 1,814 |
| Assets per employee ($millions) | 5.3417% | 3,423 |
| Cash dividends to net income (ytd only)* | 23.6349% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,808 |
| Loan loss allowance to noncurrent loans | 45.1023% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 177 |
| Noncurrent loans to loans | 2.6943% | 243 |
| Net loans and leases to total assets | 69.3091% | 1,122 |
| Net loans and leases to deposits | 80.8006% | 1,151 |
| Net loans and leases to core deposits | 86.8177% | 1,153 |
| Total domestic deposits to total assets | 85.7780% | 2,982 |
| Equity capital to assets | 11.3056% | 1,601 |
| Core capital (leverage) ratio | 10.4243% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1855% | 2,566 |
| Memoranda: | ||
| Average total assets | $246,299,800 | 2,753 |
| Average earning assets | $224,995,800 | 2,778 |
| Average equity | $27,030,000 | 2,721 |
| Average total loans | $169,701,600 | 2,468 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 1,357 |
| Cost of funding earning assets | 0.3843% | 1,826 |
| Net interest margin | 3.6918% | 1,353 |
| Noninterest income to average assets | 0.6000% | 2,213 |
| Noninterest expense to average assets | 2.7435% | 1,476 |
| Loan and lease loss provision to assets | 0.1221% | 961 |
| Net operating income to assets | 1.0685% | 2,658 |
| Return on assets (ROA) | 1.0847% | 2,667 |
| Pretax return on assets | 1.1237% | 3,148 |
| Return on Equity (ROE) | 9.9591% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.0782% | 2,387 |
| Net charge-offs to loans | -0.0316% | 4,152 |
| Credit loss provision to net charge-offs | -565.0000% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5687% | 1,748 |
| Assets per employee ($millions) | 4.9324% | 3,763 |
| Cash dividends to net income (ytd only)* | 28.9277% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,118 |
| Loan loss allowance to noncurrent loans | 39.8030% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 182 |
| Noncurrent loans to loans | 2.9422% | 225 |
| Net loans and leases to total assets | 67.7406% | 1,349 |
| Net loans and leases to deposits | 79.1489% | 1,367 |
| Net loans and leases to core deposits | 87.4344% | 1,192 |
| Total domestic deposits to total assets | 85.5864% | 2,919 |
| Equity capital to assets | 11.4143% | 1,729 |
| Core capital (leverage) ratio | 10.1799% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9754% | 2,712 |
| Memoranda: | ||
| Average total assets | $246,445,250 | 2,775 |
| Average earning assets | $225,141,500 | 2,803 |
| Average equity | $26,842,500 | 2,768 |
| Average total loans | $169,027,000 | 2,510 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 1,558 |
| Cost of funding earning assets | 0.4039% | 1,855 |
| Net interest margin | 3.5973% | 1,601 |
| Noninterest income to average assets | 0.6685% | 1,936 |
| Noninterest expense to average assets | 2.7497% | 1,465 |
| Loan and lease loss provision to assets | 0.1339% | 918 |
| Net operating income to assets | 1.0514% | 2,712 |
| Return on assets (ROA) | 1.0749% | 2,699 |
| Pretax return on assets | 1.1128% | 3,173 |
| Return on Equity (ROE) | 10.0247% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.6629% | 2,938 |
| Net charge-offs to loans | -0.0447% | 4,319 |
| Credit loss provision to net charge-offs | -436.8421% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7373% | 1,790 |
| Assets per employee ($millions) | 5.1297% | 3,531 |
| Cash dividends to net income (ytd only)* | 43.5109% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,256 |
| Loan loss allowance to noncurrent loans | 41.2204% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.8503% | 243 |
| Noncurrent loans to loans | 2.7580% | 280 |
| Net loans and leases to total assets | 66.3269% | 1,660 |
| Net loans and leases to deposits | 77.2214% | 1,704 |
| Net loans and leases to core deposits | 87.3337% | 1,323 |
| Total domestic deposits to total assets | 85.8918% | 2,777 |
| Equity capital to assets | 10.9757% | 1,994 |
| Core capital (leverage) ratio | 9.6503% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9550% | 2,736 |
| Memoranda: | ||
| Average total assets | $248,031,000 | 2,751 |
| Average earning assets | $227,782,667 | 2,776 |
| Average equity | $26,594,333 | 2,775 |
| Average total loans | $170,149,000 | 2,512 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 1,964 |
| Cost of funding earning assets | 0.4210% | 1,932 |
| Net interest margin | 3.4250% | 2,042 |
| Noninterest income to average assets | 0.7134% | 1,833 |
| Noninterest expense to average assets | 2.7300% | 1,549 |
| Loan and lease loss provision to assets | 0.1703% | 732 |
| Net operating income to assets | 0.9559% | 2,953 |
| Return on assets (ROA) | 1.0027% | 2,889 |
| Pretax return on assets | 1.0380% | 3,261 |
| Return on Equity (ROE) | 9.4621% | 2,866 |
| Retained earnings to average equity (ytd only) | 0.6672% | 4,277 |
| Net charge-offs to loans | -0.0463% | 4,364 |
| Credit loss provision to net charge-offs | -530.0000% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6819% | 1,739 |
| Assets per employee ($millions) | 5.6308% | 2,990 |
| Cash dividends to net income (ytd only)* | 92.9487% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,543 |
| Loan loss allowance to noncurrent loans | 32.4441% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.1228% | 224 |
| Noncurrent loans to loans | 3.3142% | 220 |
| Net loans and leases to total assets | 62.5751% | 2,223 |
| Net loans and leases to deposits | 72.7340% | 2,240 |
| Net loans and leases to core deposits | 82.3011% | 1,817 |
| Total domestic deposits to total assets | 86.0327% | 2,728 |
| Equity capital to assets | 9.9540% | 2,743 |
| Core capital (leverage) ratio | 9.3326% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3800% | 2,844 |
| Memoranda: | ||
| Average total assets | $248,933,500 | 2,731 |
| Average earning assets | $230,888,000 | 2,740 |
| Average equity | $26,379,000 | 2,777 |
| Average total loans | $172,627,500 | 2,494 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 935 |
| Cost of funding earning assets | 0.7908% | 1,248 |
| Net interest margin | 3.8862% | 1,254 |
| Noninterest income to average assets | 0.4559% | 2,843 |
| Noninterest expense to average assets | 2.8717% | 1,756 |
| Loan and lease loss provision to assets | 0.3520% | 980 |
| Net operating income to assets | 0.8129% | 3,041 |
| Return on assets (ROA) | 0.9062% | 2,805 |
| Pretax return on assets | 0.9353% | 3,267 |
| Return on Equity (ROE) | 8.4706% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.0693% | 1,034 |
| Net charge-offs to loans | -0.0163% | 4,375 |
| Credit loss provision to net charge-offs | -3,037.0370% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8468% | 1,970 |
| Assets per employee ($millions) | 5.1827% | 3,184 |
| Cash dividends to net income (ytd only)* | 4.7371% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,070 |
| Loan loss allowance to noncurrent loans | 29.5917% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.4556% | 187 |
| Noncurrent loans to loans | 3.1807% | 256 |
| Net loans and leases to total assets | 75.5415% | 839 |
| Net loans and leases to deposits | 92.1554% | 767 |
| Net loans and leases to core deposits | 104.4581% | 706 |
| Total domestic deposits to total assets | 81.9720% | 3,670 |
| Equity capital to assets | 11.3262% | 2,005 |
| Core capital (leverage) ratio | 9.9622% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2301% | 2,860 |
| Memoranda: | ||
| Average total assets | $232,961,200 | 2,697 |
| Average earning assets | $216,228,200 | 2,697 |
| Average equity | $24,921,600 | 2,809 |
| Average total loans | $165,577,800 | 2,521 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 780 |
| Cost of funding earning assets | 0.8497% | 1,262 |
| Net interest margin | 4.0221% | 1,062 |
| Noninterest income to average assets | 0.4099% | 3,027 |
| Noninterest expense to average assets | 2.8475% | 1,828 |
| Loan and lease loss provision to assets | 0.4435% | 739 |
| Net operating income to assets | 0.8325% | 2,973 |
| Return on assets (ROA) | 0.8908% | 2,859 |
| Pretax return on assets | 0.9183% | 3,331 |
| Return on Equity (ROE) | 8.4512% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.9080% | 1,335 |
| Net charge-offs to loans | -0.0148% | 4,326 |
| Credit loss provision to net charge-offs | -4,305.5556% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8118% | 2,219 |
| Assets per employee ($millions) | 5.6166% | 2,615 |
| Cash dividends to net income (ytd only)* | 6.4267% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,160 |
| Loan loss allowance to noncurrent loans | 266.0099% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,093 |
| Noncurrent loans to loans | 0.3267% | 3,116 |
| Net loans and leases to total assets | 73.1018% | 1,486 |
| Net loans and leases to deposits | 94.9865% | 843 |
| Net loans and leases to core deposits | 105.5421% | 866 |
| Total domestic deposits to total assets | 76.9603% | 4,328 |
| Equity capital to assets | 10.2463% | 3,013 |
| Core capital (leverage) ratio | 9.6359% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5253% | 2,783 |
| Memoranda: | ||
| Average total assets | $232,896,500 | 2,686 |
| Average earning assets | $216,533,250 | 2,685 |
| Average equity | $24,548,250 | 2,823 |
| Average total loans | $162,509,250 | 2,555 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,187 |
| Cost of funding earning assets | 0.9705% | 1,069 |
| Net interest margin | 3.4378% | 2,978 |
| Noninterest income to average assets | 0.4119% | 3,007 |
| Noninterest expense to average assets | 2.9044% | 1,819 |
| Loan and lease loss provision to assets | 0.6452% | 457 |
| Net operating income to assets | 0.0557% | 4,724 |
| Return on assets (ROA) | 0.1025% | 4,715 |
| Pretax return on assets | 0.1025% | 4,724 |
| Return on Equity (ROE) | 0.9627% | 4,693 |
| Retained earnings to average equity (ytd only) | 0.1328% | 4,289 |
| Net charge-offs to loans | -0.0155% | 4,335 |
| Credit loss provision to net charge-offs | -6,083.3333% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6028% | 920 |
| Assets per employee ($millions) | 5.5260% | 2,615 |
| Cash dividends to net income (ytd only)* | 86.2069% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 4,080 |
| Loan loss allowance to noncurrent loans | 177.6897% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,766 |
| Noncurrent loans to loans | 0.4957% | 2,667 |
| Net loans and leases to total assets | 71.0002% | 1,873 |
| Net loans and leases to deposits | 94.3943% | 922 |
| Net loans and leases to core deposits | 104.0204% | 1,003 |
| Total domestic deposits to total assets | 75.2167% | 4,496 |
| Equity capital to assets | 9.7961% | 3,370 |
| Core capital (leverage) ratio | 9.2931% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4778% | 2,824 |
| Memoranda: | ||
| Average total assets | $226,280,000 | 2,708 |
| Average earning assets | $210,195,000 | 2,712 |
| Average equity | $24,098,667 | 2,847 |
| Average total loans | $154,551,667 | 2,617 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 2,021 |
| Cost of funding earning assets | 1.1505% | 907 |
| Net interest margin | 3.4414% | 3,182 |
| Noninterest income to average assets | 0.4091% | 3,033 |
| Noninterest expense to average assets | 3.0518% | 1,761 |
| Loan and lease loss provision to assets | 0.2046% | 1,492 |
| Net operating income to assets | 0.3366% | 4,268 |
| Return on assets (ROA) | 0.3403% | 4,294 |
| Pretax return on assets | 0.3441% | 4,387 |
| Return on Equity (ROE) | 3.0541% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.0541% | 3,061 |
| Net charge-offs to loans | -0.0140% | 4,195 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8159% | 840 |
| Assets per employee ($millions) | 4.8306% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 4,664 |
| Loan loss allowance to noncurrent loans | 136.3242% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 2,893 |
| Noncurrent loans to loans | 0.4872% | 2,804 |
| Net loans and leases to total assets | 63.4065% | 3,133 |
| Net loans and leases to deposits | 76.7243% | 3,009 |
| Net loans and leases to core deposits | 87.6594% | 2,549 |
| Total domestic deposits to total assets | 82.6420% | 3,225 |
| Equity capital to assets | 10.8839% | 2,961 |
| Core capital (leverage) ratio | 9.9697% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9902% | 2,704 |
| Memoranda: | ||
| Average total assets | $215,084,500 | 2,747 |
| Average earning assets | $199,219,500 | 2,747 |
| Average equity | $23,968,000 | 2,854 |
| Average total loans | $142,764,500 | 2,702 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 2,359 |
| Cost of funding earning assets | 1.1853% | 1,059 |
| Net interest margin | 3.5034% | 3,438 |
| Noninterest income to average assets | 0.3426% | 3,655 |
| Noninterest expense to average assets | 2.8953% | 2,310 |
| Loan and lease loss provision to assets | 0.1095% | 1,904 |
| Net operating income to assets | 0.5671% | 4,253 |
| Return on assets (ROA) | 0.5596% | 4,321 |
| Pretax return on assets | 0.5711% | 4,464 |
| Return on Equity (ROE) | 4.7861% | 4,273 |
| Retained earnings to average equity (ytd only) | -5.0832% | 4,986 |
| Net charge-offs to loans | 0.1191% | 1,560 |
| Credit loss provision to net charge-offs | 137.7246% | 1,870 |
| Earnings coverage of net charge-offs (x) | 8.6587% | 2,749 |
| Efficiency ratio | 79.8938% | 953 |
| Assets per employee ($millions) | 4.6213% | 3,060 |
| Cash dividends to net income (ytd only)* | 206.2075% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 4,786 |
| Loan loss allowance to noncurrent loans | 104.6835% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 2,561 |
| Noncurrent loans to loans | 0.5498% | 2,526 |
| Net loans and leases to total assets | 68.6983% | 2,582 |
| Net loans and leases to deposits | 84.1199% | 2,316 |
| Net loans and leases to core deposits | 96.5219% | 1,857 |
| Total domestic deposits to total assets | 81.6671% | 3,598 |
| Equity capital to assets | 11.4209% | 2,601 |
| Core capital (leverage) ratio | 10.1924% | 3,307 |
| Tier 1 risk-based capital ratio | 12.9219% | 3,827 |
| Total risk-based capital ratio | 13.4204% | 4,151 |
| Memoranda: | ||
| Average total assets | $210,134,400 | 2,759 |
| Average earning assets | $194,380,000 | 2,756 |
| Average equity | $24,571,000 | 2,745 |
| Average total loans | $140,179,200 | 2,718 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 2,605 |
| Cost of funding earning assets | 1.1594% | 1,141 |
| Net interest margin | 3.4781% | 3,639 |
| Noninterest income to average assets | 0.3240% | 3,805 |
| Noninterest expense to average assets | 2.8953% | 2,275 |
| Loan and lease loss provision to assets | 0.1171% | 1,668 |
| Net operating income to assets | 0.5071% | 4,502 |
| Return on assets (ROA) | 0.4974% | 4,571 |
| Pretax return on assets | 0.5196% | 4,673 |
| Return on Equity (ROE) | 4.2298% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.1247% | 4,538 |
| Net charge-offs to loans | 0.0469% | 2,165 |
| Credit loss provision to net charge-offs | 377.5510% | 802 |
| Earnings coverage of net charge-offs (x) | 20.8576% | 1,938 |
| Efficiency ratio | 80.8290% | 850 |
| Assets per employee ($millions) | 4.6805% | 2,939 |
| Cash dividends to net income (ytd only)* | 73.4095% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 4,775 |
| Loan loss allowance to noncurrent loans | 262.3907% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,534 |
| Noncurrent loans to loans | 0.2371% | 3,692 |
| Net loans and leases to total assets | 68.2623% | 2,751 |
| Net loans and leases to deposits | 84.8932% | 2,332 |
| Net loans and leases to core deposits | 93.5640% | 2,216 |
| Total domestic deposits to total assets | 80.4095% | 3,889 |
| Equity capital to assets | 11.9674% | 2,285 |
| Core capital (leverage) ratio | 11.0650% | 2,588 |
| Tier 1 risk-based capital ratio | 13.8983% | 3,378 |
| Total risk-based capital ratio | 14.4450% | 3,651 |
| Memoranda: | ||
| Average total assets | $210,678,000 | 2,768 |
| Average earning assets | $194,926,750 | 2,768 |
| Average equity | $24,776,000 | 2,750 |
| Average total loans | $139,301,000 | 2,758 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 2,737 |
| Cost of funding earning assets | 1.1140% | 1,244 |
| Net interest margin | 3.4661% | 3,701 |
| Noninterest income to average assets | 0.2914% | 3,993 |
| Noninterest expense to average assets | 2.7205% | 2,843 |
| Loan and lease loss provision to assets | 0.1329% | 1,405 |
| Net operating income to assets | 0.6183% | 4,258 |
| Return on assets (ROA) | 0.6037% | 4,340 |
| Pretax return on assets | 0.6303% | 4,490 |
| Return on Equity (ROE) | 5.1639% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.5251% | 3,934 |
| Net charge-offs to loans | 0.0698% | 1,662 |
| Credit loss provision to net charge-offs | 291.6667% | 923 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,905 |
| Efficiency ratio | 76.7770% | 1,301 |
| Assets per employee ($millions) | 4.7022% | 2,876 |
| Cash dividends to net income (ytd only)* | 51.1006% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 4,845 |
| Loan loss allowance to noncurrent loans | 353.7190% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,603 |
| Noncurrent loans to loans | 0.1737% | 3,933 |
| Net loans and leases to total assets | 65.4362% | 3,175 |
| Net loans and leases to deposits | 80.4484% | 2,899 |
| Net loans and leases to core deposits | 92.1128% | 2,407 |
| Total domestic deposits to total assets | 81.3393% | 3,711 |
| Equity capital to assets | 11.9338% | 2,242 |
| Core capital (leverage) ratio | 11.1768% | 2,437 |
| Tier 1 risk-based capital ratio | 14.2565% | 3,185 |
| Total risk-based capital ratio | 14.7878% | 3,459 |
| Memoranda: | ||
| Average total assets | $210,696,330 | 2,779 |
| Average earning assets | $194,973,330 | 2,781 |
| Average equity | $24,632,670 | 2,755 |
| Average total loans | $137,509,330 | 2,793 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 2,822 |
| Cost of funding earning assets | 1.0446% | 1,397 |
| Net interest margin | 3.4676% | 3,689 |
| Noninterest income to average assets | 0.2816% | 3,997 |
| Noninterest expense to average assets | 2.5532% | 3,359 |
| Loan and lease loss provision to assets | 0.1807% | 916 |
| Net operating income to assets | 0.7198% | 3,874 |
| Return on assets (ROA) | 0.6887% | 4,014 |
| Pretax return on assets | 0.7173% | 4,262 |
| Return on Equity (ROE) | 5.9532% | 4,034 |
| Retained earnings to average equity (ytd only) | 0.6085% | 4,408 |
| Net charge-offs to loans | 0.0351% | 1,766 |
| Credit loss provision to net charge-offs | 791.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 1,143 |
| Efficiency ratio | 72.2010% | 2,010 |
| Assets per employee ($millions) | 4.7342% | 2,871 |
| Cash dividends to net income (ytd only)* | 89.7790% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 4,909 |
| Loan loss allowance to noncurrent loans | 159.2105% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 3,085 |
| Noncurrent loans to loans | 0.3855% | 3,203 |
| Net loans and leases to total assets | 64.3757% | 3,238 |
| Net loans and leases to deposits | 79.4750% | 2,895 |
| Net loans and leases to core deposits | 91.6023% | 2,338 |
| Total domestic deposits to total assets | 81.0012% | 3,969 |
| Equity capital to assets | 11.5542% | 2,351 |
| Core capital (leverage) ratio | 11.0017% | 2,573 |
| Tier 1 risk-based capital ratio | 13.8634% | 3,412 |
| Total risk-based capital ratio | 14.3812% | 3,721 |
| Memoranda: | ||
| Average total assets | $210,244,500 | 2,806 |
| Average earning assets | $194,138,000 | 2,815 |
| Average equity | $24,323,000 | 2,777 |
| Average total loans | $136,604,500 | 2,833 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 4,104 |
| Cost of funding earning assets | 0.6852% | 2,177 |
| Net interest margin | 3.2864% | 4,287 |
| Noninterest income to average assets | 0.6552% | 2,028 |
| Noninterest expense to average assets | 2.9184% | 2,287 |
| Loan and lease loss provision to assets | 0.0686% | 2,770 |
| Net operating income to assets | 0.6445% | 4,301 |
| Return on assets (ROA) | 0.6445% | 4,307 |
| Pretax return on assets | 0.6820% | 4,453 |
| Return on Equity (ROE) | 5.4897% | 4,329 |
| Retained earnings to average equity (ytd only) | -19.9019% | 5,372 |
| Net charge-offs to loans | 0.0190% | 3,065 |
| Credit loss provision to net charge-offs | 638.8889% | 542 |
| Earnings coverage of net charge-offs (x) | 69.9444% | 934 |
| Efficiency ratio | 78.9080% | 1,047 |
| Assets per employee ($millions) | 4.7148% | 2,853 |
| Cash dividends to net income (ytd only)* | 462.5347% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 5,026 |
| Loan loss allowance to noncurrent loans | 194.4020% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,187 |
| Noncurrent loans to loans | 0.2906% | 3,523 |
| Net loans and leases to total assets | 64.8121% | 3,274 |
| Net loans and leases to deposits | 84.9387% | 2,415 |
| Net loans and leases to core deposits | 94.5095% | 2,186 |
| Total domestic deposits to total assets | 76.3045% | 4,717 |
| Equity capital to assets | 11.5841% | 2,191 |
| Core capital (leverage) ratio | 10.9645% | 2,559 |
| Tier 1 risk-based capital ratio | 14.1990% | 3,205 |
| Total risk-based capital ratio | 14.6796% | 3,491 |
| Memoranda: | ||
| Average total assets | $167,730,600 | 3,192 |
| Average earning assets | $153,813,600 | 3,197 |
| Average equity | $19,691,600 | 3,109 |
| Average total loans | $94,495,200 | 3,400 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,812 |
| Cost of funding earning assets | 0.6021% | 2,463 |
| Net interest margin | 2.9938% | 4,857 |
| Noninterest income to average assets | 0.8246% | 1,395 |
| Noninterest expense to average assets | 2.7215% | 2,912 |
| Loan and lease loss provision to assets | 0.0439% | 3,112 |
| Net operating income to assets | 0.8001% | 3,899 |
| Return on assets (ROA) | 0.8001% | 3,906 |
| Pretax return on assets | 0.8027% | 4,284 |
| Return on Equity (ROE) | 6.7859% | 4,006 |
| Retained earnings to average equity (ytd only) | -29.0425% | 5,455 |
| Net charge-offs to loans | 0.0237% | 2,657 |
| Credit loss provision to net charge-offs | 346.6667% | 909 |
| Earnings coverage of net charge-offs (x) | 66.7985% | 985 |
| Efficiency ratio | 75.7992% | 1,374 |
| Assets per employee ($millions) | 4.7673% | 2,767 |
| Cash dividends to net income (ytd only)* | 527.9811% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 5,134 |
| Loan loss allowance to noncurrent loans | 332.0755% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,742 |
| Noncurrent loans to loans | 0.1643% | 4,150 |
| Net loans and leases to total assets | 61.1731% | 3,731 |
| Net loans and leases to deposits | 75.7754% | 3,436 |
| Net loans and leases to core deposits | 84.6978% | 3,101 |
| Total domestic deposits to total assets | 80.7296% | 3,945 |
| Equity capital to assets | 11.2199% | 2,458 |
| Core capital (leverage) ratio | 10.9663% | 2,613 |
| Tier 1 risk-based capital ratio | 14.8620% | 2,940 |
| Total risk-based capital ratio | 15.3287% | 3,243 |
| Memoranda: | ||
| Average total assets | $157,801,000 | 3,336 |
| Average earning assets | $144,604,500 | 3,347 |
| Average equity | $18,606,750 | 3,247 |
| Average total loans | $84,315,000 | 3,619 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7496% | 5,421 |
| Cost of funding earning assets | 0.3125% | 4,328 |
| Net interest margin | 2.4371% | 5,371 |
| Noninterest income to average assets | 1.2301% | 638 |
| Noninterest expense to average assets | 2.4772% | 3,689 |
| Loan and lease loss provision to assets | 0.0171% | 3,552 |
| Net operating income to assets | 0.9197% | 3,377 |
| Return on assets (ROA) | 0.9197% | 3,380 |
| Pretax return on assets | 0.9567% | 3,785 |
| Return on Equity (ROE) | 7.6161% | 3,669 |
| Retained earnings to average equity (ytd only) | -51.3322% | 5,528 |
| Net charge-offs to loans | 0.0432% | 2,000 |
| Credit loss provision to net charge-offs | 80.0000% | 2,256 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 1,199 |
| Efficiency ratio | 71.7822% | 2,035 |
| Assets per employee ($millions) | 5.0226% | 2,390 |
| Cash dividends to net income (ytd only)* | 773.9938% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 5,238 |
| Loan loss allowance to noncurrent loans | 282.5532% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,874 |
| Noncurrent loans to loans | 0.1827% | 4,088 |
| Net loans and leases to total assets | 60.6675% | 3,747 |
| Net loans and leases to deposits | 75.6953% | 3,368 |
| Net loans and leases to core deposits | 83.0185% | 3,160 |
| Total domestic deposits to total assets | 80.1470% | 4,202 |
| Equity capital to assets | 11.1472% | 2,511 |
| Core capital (leverage) ratio | 10.3032% | 3,235 |
| Tier 1 risk-based capital ratio | 15.9911% | 2,442 |
| Total risk-based capital ratio | 16.4717% | 2,699 |
| Memoranda: | ||
| Average total assets | $140,480,670 | 3,565 |
| Average earning assets | $128,018,670 | 3,588 |
| Average equity | $16,964,000 | 3,447 |
| Average total loans | $69,412,670 | 3,945 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1624% | 5,263 |
| Cost of funding earning assets | 0.3079% | 4,292 |
| Net interest margin | 2.8545% | 5,091 |
| Noninterest income to average assets | 0.1824% | 4,935 |
| Noninterest expense to average assets | 2.8809% | 2,443 |
| Loan and lease loss provision to assets | 0.0228% | 3,231 |
| Net operating income to assets | -0.1064% | 5,423 |
| Return on assets (ROA) | -0.1064% | 5,415 |
| Pretax return on assets | -0.1140% | 5,418 |
| Return on Equity (ROE) | -0.8182% | 5,413 |
| Retained earnings to average equity (ytd only) | -0.8182% | 4,896 |
| Net charge-offs to loans | 0.2010% | 733 |
| Credit loss provision to net charge-offs | 30.0000% | 2,065 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 2,674 |
| Efficiency ratio | 103.2698% | 146 |
| Assets per employee ($millions) | 5.0756% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 976 |
| Loan loss allowance to noncurrent loans | 298.1735% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 3,108 |
| Noncurrent loans to loans | 0.5655% | 2,845 |
| Net loans and leases to total assets | 35.7207% | 5,217 |
| Net loans and leases to deposits | 41.0404% | 5,247 |
| Net loans and leases to core deposits | 45.8386% | 5,167 |
| Total domestic deposits to total assets | 87.0379% | 2,105 |
| Equity capital to assets | 12.6403% | 1,410 |
| Core capital (leverage) ratio | 13.1410% | 1,125 |
| Tier 1 risk-based capital ratio | 23.7655% | 858 |
| Total risk-based capital ratio | 24.8732% | 857 |
| Memoranda: | ||
| Average total assets | $105,246,000 | 4,137 |
| Average earning assets | $96,129,500 | 4,156 |
| Average equity | $13,688,500 | 3,875 |
| Average total loans | $39,798,000 | 4,696 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 5,242 |
| Cost of funding earning assets | 0.2523% | 4,540 |
| Net interest margin | 2.8950% | 5,049 |
| Noninterest income to average assets | 0.2237% | 4,808 |
| Noninterest expense to average assets | 3.0226% | 2,097 |
| Loan and lease loss provision to assets | 0.0231% | 3,834 |
| Net operating income to assets | -0.1176% | 5,423 |
| Return on assets (ROA) | 0.0916% | 5,272 |
| Pretax return on assets | 0.0752% | 5,391 |
| Return on Equity (ROE) | 0.6677% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.6677% | 4,772 |
| Net charge-offs to loans | 0.1948% | 1,309 |
| Credit loss provision to net charge-offs | 32.4324% | 3,514 |
| Earnings coverage of net charge-offs (x) | -1.5541% | 4,049 |
| Efficiency ratio | 103.8079% | 135 |
| Assets per employee ($millions) | 4.7229% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,070 |
| Loan loss allowance to noncurrent loans | 313.1455% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 3,087 |
| Noncurrent loans to loans | 0.5212% | 2,950 |
| Net loans and leases to total assets | 38.6915% | 5,187 |
| Net loans and leases to deposits | 44.8208% | 5,225 |
| Net loans and leases to core deposits | 50.7178% | 5,110 |
| Total domestic deposits to total assets | 86.3249% | 2,307 |
| Equity capital to assets | 13.3816% | 1,105 |
| Core capital (leverage) ratio | 13.4737% | 976 |
| Tier 1 risk-based capital ratio | 23.5115% | 856 |
| Total risk-based capital ratio | 24.6286% | 858 |
| Memoranda: | ||
| Average total assets | $103,719,200 | 4,172 |
| Average earning assets | $96,305,200 | 4,156 |
| Average equity | $14,227,200 | 3,816 |
| Average total loans | $37,978,800 | 4,793 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 5,302 |
| Cost of funding earning assets | 0.2435% | 4,629 |
| Net interest margin | 2.8911% | 5,099 |
| Noninterest income to average assets | 0.2173% | 4,922 |
| Noninterest expense to average assets | 3.0634% | 1,912 |
| Loan and lease loss provision to assets | 0.0231% | 3,681 |
| Net operating income to assets | -0.0964% | 5,548 |
| Return on assets (ROA) | 0.0090% | 5,513 |
| Pretax return on assets | -0.0167% | 5,518 |
| Return on Equity (ROE) | 0.0652% | 5,513 |
| Retained earnings to average equity (ytd only) | 0.0652% | 5,193 |
| Net charge-offs to loans | 0.2648% | 817 |
| Credit loss provision to net charge-offs | 24.3243% | 3,128 |
| Earnings coverage of net charge-offs (x) | -1.6623% | 3,727 |
| Efficiency ratio | 105.4449% | 122 |
| Assets per employee ($millions) | 4.1571% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 1,123 |
| Loan loss allowance to noncurrent loans | 560.1695% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,277 |
| Noncurrent loans to loans | 0.2951% | 3,879 |
| Net loans and leases to total assets | 39.4126% | 5,217 |
| Net loans and leases to deposits | 46.2770% | 5,249 |
| Net loans and leases to core deposits | 53.0819% | 5,101 |
| Total domestic deposits to total assets | 85.1669% | 2,651 |
| Equity capital to assets | 14.4993% | 857 |
| Core capital (leverage) ratio | 13.5393% | 1,014 |
| Tier 1 risk-based capital ratio | 24.0883% | 845 |
| Total risk-based capital ratio | 25.2296% | 832 |
| Memoranda: | ||
| Average total assets | $103,673,000 | 4,210 |
| Average earning assets | $96,384,000 | 4,197 |
| Average equity | $14,308,000 | 3,850 |
| Average total loans | $37,256,250 | 4,862 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 5,386 |
| Cost of funding earning assets | 0.2332% | 4,694 |
| Net interest margin | 2.8275% | 5,206 |
| Noninterest income to average assets | 0.2286% | 4,873 |
| Noninterest expense to average assets | 2.9817% | 2,166 |
| Loan and lease loss provision to assets | 0.0229% | 3,533 |
| Net operating income to assets | -0.0770% | 5,581 |
| Return on assets (ROA) | -0.0343% | 5,569 |
| Pretax return on assets | -0.0762% | 5,577 |
| Return on Equity (ROE) | -0.2525% | 5,565 |
| Retained earnings to average equity (ytd only) | -0.2525% | 5,118 |
| Net charge-offs to loans | 0.0385% | 2,430 |
| Credit loss provision to net charge-offs | 171.4286% | 1,399 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 3,476 |
| Efficiency ratio | 104.1944% | 148 |
| Assets per employee ($millions) | 4.2821% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 673 |
| Loan loss allowance to noncurrent loans | 246.4164% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,309 |
| Noncurrent loans to loans | 0.7860% | 2,439 |
| Net loans and leases to total assets | 35.5687% | 5,393 |
| Net loans and leases to deposits | 41.6309% | 5,406 |
| Net loans and leases to core deposits | 47.8249% | 5,289 |
| Total domestic deposits to total assets | 85.4384% | 2,633 |
| Equity capital to assets | 14.2843% | 883 |
| Core capital (leverage) ratio | 13.2709% | 1,067 |
| Tier 1 risk-based capital ratio | 24.1305% | 842 |
| Total risk-based capital ratio | 25.3799% | 816 |
| Memoranda: | ||
| Average total assets | $104,974,000 | 4,228 |
| Average earning assets | $97,754,330 | 4,204 |
| Average equity | $14,255,330 | 3,862 |
| Average total loans | $36,347,330 | 4,918 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9730% | 5,483 |
| Cost of funding earning assets | 0.2262% | 4,743 |
| Net interest margin | 2.7468% | 5,330 |
| Noninterest income to average assets | 0.2263% | 4,918 |
| Noninterest expense to average assets | 3.0733% | 1,944 |
| Loan and lease loss provision to assets | 0.0226% | 3,288 |
| Net operating income to assets | -0.1848% | 5,674 |
| Return on assets (ROA) | -0.1244% | 5,663 |
| Pretax return on assets | -0.2112% | 5,668 |
| Return on Equity (ROE) | -0.9400% | 5,651 |
| Retained earnings to average equity (ytd only) | -0.9400% | 5,053 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1351% | 129 |
| Assets per employee ($millions) | 4.6442% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 648 |
| Loan loss allowance to noncurrent loans | 190.7652% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,171 |
| Noncurrent loans to loans | 1.0601% | 1,935 |
| Net loans and leases to total assets | 32.7938% | 5,512 |
| Net loans and leases to deposits | 37.9426% | 5,525 |
| Net loans and leases to core deposits | 43.7420% | 5,420 |
| Total domestic deposits to total assets | 86.4299% | 2,476 |
| Equity capital to assets | 13.3182% | 1,139 |
| Core capital (leverage) ratio | 12.8081% | 1,214 |
| Tier 1 risk-based capital ratio | 24.3280% | 835 |
| Total risk-based capital ratio | 25.5784% | 816 |
| Memoranda: | ||
| Average total assets | $106,076,000 | 4,242 |
| Average earning assets | $99,024,500 | 4,215 |
| Average equity | $14,043,000 | 3,915 |
| Average total loans | $35,883,000 | 4,974 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8786% | 5,596 |
| Cost of funding earning assets | 0.2262% | 4,771 |
| Net interest margin | 2.6525% | 5,471 |
| Noninterest income to average assets | 0.4335% | 3,657 |
| Noninterest expense to average assets | 2.7188% | 3,281 |
| Loan and lease loss provision to assets | 0.0211% | 3,950 |
| Net operating income to assets | 0.1861% | 5,443 |
| Return on assets (ROA) | 0.1878% | 5,491 |
| Pretax return on assets | 0.1861% | 5,511 |
| Return on Equity (ROE) | 1.4480% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.4480% | 4,683 |
| Net charge-offs to loans | 0.0321% | 3,381 |
| Credit loss provision to net charge-offs | 218.1818% | 1,308 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,800 |
| Efficiency ratio | 92.9772% | 422 |
| Assets per employee ($millions) | 4.7880% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 668 |
| Loan loss allowance to noncurrent loans | 147.5309% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 3,182 |
| Noncurrent loans to loans | 1.3495% | 1,524 |
| Net loans and leases to total assets | 33.5090% | 5,560 |
| Net loans and leases to deposits | 38.6927% | 5,586 |
| Net loans and leases to core deposits | 44.8438% | 5,467 |
| Total domestic deposits to total assets | 86.6029% | 2,328 |
| Equity capital to assets | 13.1579% | 1,189 |
| Core capital (leverage) ratio | 12.8851% | 1,176 |
| Tier 1 risk-based capital ratio | 24.4829% | 818 |
| Total risk-based capital ratio | 25.7313% | 798 |
| Memoranda: | ||
| Average total assets | $113,946,600 | 4,092 |
| Average earning assets | $106,994,600 | 4,058 |
| Average equity | $14,779,200 | 3,835 |
| Average total loans | $34,308,400 | 5,061 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8978% | 5,652 |
| Cost of funding earning assets | 0.2223% | 4,867 |
| Net interest margin | 2.6756% | 5,518 |
| Noninterest income to average assets | 0.4996% | 3,247 |
| Noninterest expense to average assets | 2.7459% | 3,191 |
| Loan and lease loss provision to assets | 0.0207% | 3,823 |
| Net operating income to assets | 0.2469% | 5,395 |
| Return on assets (ROA) | 0.2469% | 5,465 |
| Pretax return on assets | 0.2492% | 5,521 |
| Return on Equity (ROE) | 1.9099% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.9099% | 4,727 |
| Net charge-offs to loans | -0.0118% | 4,830 |
| Credit loss provision to net charge-offs | -600.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0510% | 509 |
| Assets per employee ($millions) | 4.6836% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 669 |
| Loan loss allowance to noncurrent loans | 152.9536% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 3,661 |
| Noncurrent loans to loans | 1.3373% | 1,650 |
| Net loans and leases to total assets | 32.2302% | 5,672 |
| Net loans and leases to deposits | 38.0641% | 5,676 |
| Net loans and leases to core deposits | 44.6799% | 5,558 |
| Total domestic deposits to total assets | 84.6735% | 2,958 |
| Equity capital to assets | 14.2738% | 937 |
| Core capital (leverage) ratio | 12.3387% | 1,468 |
| Tier 1 risk-based capital ratio | 24.5779% | 851 |
| Total risk-based capital ratio | 25.8275% | 840 |
| Memoranda: | ||
| Average total assets | $116,099,250 | 4,088 |
| Average earning assets | $109,181,750 | 4,049 |
| Average equity | $15,009,000 | 3,833 |
| Average total loans | $33,882,000 | 5,119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8809% | 5,747 |
| Cost of funding earning assets | 0.2087% | 5,059 |
| Net interest margin | 2.6722% | 5,603 |
| Noninterest income to average assets | 0.3667% | 4,130 |
| Noninterest expense to average assets | 2.6394% | 3,576 |
| Loan and lease loss provision to assets | 0.0202% | 3,738 |
| Net operating income to assets | 0.2355% | 5,461 |
| Return on assets (ROA) | 0.2355% | 5,523 |
| Pretax return on assets | 0.2271% | 5,585 |
| Return on Equity (ROE) | 1.8809% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.8809% | 4,615 |
| Net charge-offs to loans | -0.0180% | 4,903 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4336% | 523 |
| Assets per employee ($millions) | 5.4099% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 685 |
| Loan loss allowance to noncurrent loans | 150.4184% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 3,889 |
| Noncurrent loans to loans | 1.3568% | 1,652 |
| Net loans and leases to total assets | 28.9973% | 5,802 |
| Net loans and leases to deposits | 33.7012% | 5,828 |
| Net loans and leases to core deposits | 38.8177% | 5,773 |
| Total domestic deposits to total assets | 86.0424% | 2,403 |
| Equity capital to assets | 12.8703% | 1,578 |
| Core capital (leverage) ratio | 11.6850% | 1,856 |
| Tier 1 risk-based capital ratio | 23.7237% | 930 |
| Total risk-based capital ratio | 24.9534% | 912 |
| Memoranda: | ||
| Average total assets | $118,891,670 | 4,064 |
| Average earning assets | $112,117,330 | 4,017 |
| Average equity | $14,886,670 | 3,877 |
| Average total loans | $33,361,330 | 5,192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7400% | 5,886 |
| Cost of funding earning assets | 0.2102% | 5,102 |
| Net interest margin | 2.5297% | 5,780 |
| Noninterest income to average assets | 0.2222% | 5,148 |
| Noninterest expense to average assets | 2.8074% | 3,039 |
| Loan and lease loss provision to assets | 0.0202% | 3,425 |
| Net operating income to assets | -0.2053% | 5,886 |
| Return on assets (ROA) | -0.2053% | 5,898 |
| Pretax return on assets | -0.2154% | 5,895 |
| Return on Equity (ROE) | -1.6631% | 5,895 |
| Retained earnings to average equity (ytd only) | -1.6631% | 5,353 |
| Net charge-offs to loans | -0.0247% | 4,976 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4742% | 182 |
| Assets per employee ($millions) | 5.1781% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 604 |
| Loan loss allowance to noncurrent loans | 64.2599% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 2,380 |
| Noncurrent loans to loans | 3.4014% | 416 |
| Net loans and leases to total assets | 26.7540% | 5,903 |
| Net loans and leases to deposits | 30.7279% | 5,920 |
| Net loans and leases to core deposits | 35.3244% | 5,871 |
| Total domestic deposits to total assets | 87.0676% | 2,180 |
| Equity capital to assets | 12.4076% | 1,742 |
| Core capital (leverage) ratio | 11.3499% | 2,094 |
| Tier 1 risk-based capital ratio | 24.0914% | 909 |
| Total risk-based capital ratio | 25.3410% | 891 |
| Memoranda: | ||
| Average total assets | $118,828,500 | 4,100 |
| Average earning assets | $112,264,500 | 4,037 |
| Average equity | $14,671,000 | 3,907 |
| Average total loans | $32,426,500 | 5,258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7055% | 5,929 |
| Cost of funding earning assets | 0.2118% | 5,177 |
| Net interest margin | 2.4937% | 5,834 |
| Noninterest income to average assets | 0.3488% | 4,413 |
| Noninterest expense to average assets | 2.3848% | 4,548 |
| Loan and lease loss provision to assets | 0.0190% | 4,026 |
| Net operating income to assets | 0.3037% | 5,351 |
| Return on assets (ROA) | 0.3322% | 5,352 |
| Pretax return on assets | 0.3298% | 5,459 |
| Return on Equity (ROE) | 2.9380% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.9380% | 3,968 |
| Net charge-offs to loans | 0.2884% | 1,055 |
| Credit loss provision to net charge-offs | 23.3010% | 3,719 |
| Earnings coverage of net charge-offs (x) | 3.9320% | 3,636 |
| Efficiency ratio | 88.1579% | 822 |
| Assets per employee ($millions) | 5.3891% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 610 |
| Loan loss allowance to noncurrent loans | 58.3264% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 2,158 |
| Noncurrent loans to loans | 3.7394% | 348 |
| Net loans and leases to total assets | 26.6310% | 5,964 |
| Net loans and leases to deposits | 30.5376% | 5,982 |
| Net loans and leases to core deposits | 35.2424% | 5,940 |
| Total domestic deposits to total assets | 87.2074% | 2,031 |
| Equity capital to assets | 12.2848% | 1,754 |
| Core capital (leverage) ratio | 11.1750% | 2,243 |
| Tier 1 risk-based capital ratio | 24.9659% | 819 |
| Total risk-based capital ratio | 26.2169% | 806 |
| Memoranda: | ||
| Average total assets | $126,428,000 | 3,956 |
| Average earning assets | $119,461,800 | 3,896 |
| Average equity | $14,295,400 | 3,935 |
| Average total loans | $35,709,800 | 5,165 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7075% | 6,018 |
| Cost of funding earning assets | 0.2122% | 5,267 |
| Net interest margin | 2.4953% | 5,910 |
| Noninterest income to average assets | 0.1973% | 5,464 |
| Noninterest expense to average assets | 2.3822% | 4,560 |
| Loan and lease loss provision to assets | 0.0197% | 3,880 |
| Net operating income to assets | 0.1458% | 5,782 |
| Return on assets (ROA) | 0.1568% | 5,812 |
| Pretax return on assets | 0.1641% | 5,831 |
| Return on Equity (ROE) | 1.4150% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.4150% | 5,153 |
| Net charge-offs to loans | 0.3792% | 683 |
| Credit loss provision to net charge-offs | 18.2692% | 3,377 |
| Earnings coverage of net charge-offs (x) | 1.5962% | 3,801 |
| Efficiency ratio | 93.2520% | 511 |
| Assets per employee ($millions) | 6.7731% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1651% | 705 |
| Loan loss allowance to noncurrent loans | 65.3558% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 2,690 |
| Noncurrent loans to loans | 3.3129% | 496 |
| Net loans and leases to total assets | 25.8703% | 6,067 |
| Net loans and leases to deposits | 29.4888% | 6,081 |
| Net loans and leases to core deposits | 34.0135% | 6,048 |
| Total domestic deposits to total assets | 87.7293% | 1,691 |
| Equity capital to assets | 11.6966% | 2,354 |
| Core capital (leverage) ratio | 10.5591% | 2,977 |
| Tier 1 risk-based capital ratio | 23.8950% | 955 |
| Total risk-based capital ratio | 25.1340% | 943 |
| Memoranda: | ||
| Average total assets | $128,394,750 | 3,967 |
| Average earning assets | $121,289,750 | 3,898 |
| Average equity | $14,228,000 | 3,986 |
| Average total loans | $36,567,750 | 5,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7299% | 6,057 |
| Cost of funding earning assets | 0.2126% | 5,324 |
| Net interest margin | 2.5173% | 5,947 |
| Noninterest income to average assets | 0.1961% | 5,509 |
| Noninterest expense to average assets | 2.2887% | 4,870 |
| Loan and lease loss provision to assets | 0.0184% | 3,760 |
| Net operating income to assets | 0.2502% | 5,581 |
| Return on assets (ROA) | 0.2574% | 5,641 |
| Pretax return on assets | 0.2727% | 5,701 |
| Return on Equity (ROE) | 2.3633% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.3633% | 4,554 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9815% | 826 |
| Assets per employee ($millions) | 6.0242% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 785 |
| Loan loss allowance to noncurrent loans | 73.1371% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 2,840 |
| Noncurrent loans to loans | 2.9447% | 684 |
| Net loans and leases to total assets | 28.5508% | 6,082 |
| Net loans and leases to deposits | 33.0032% | 6,104 |
| Net loans and leases to core deposits | 38.0540% | 6,023 |
| Total domestic deposits to total assets | 86.5092% | 2,434 |
| Equity capital to assets | 10.9803% | 2,901 |
| Core capital (leverage) ratio | 10.4423% | 3,034 |
| Tier 1 risk-based capital ratio | 22.0676% | 1,199 |
| Total risk-based capital ratio | 23.3185% | 1,178 |
| Memoranda: | ||
| Average total assets | $130,554,330 | 3,950 |
| Average earning assets | $123,227,670 | 3,892 |
| Average equity | $14,217,330 | 4,011 |
| Average total loans | $38,011,000 | 5,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7707% | 6,088 |
| Cost of funding earning assets | 0.2109% | 5,407 |
| Net interest margin | 2.5598% | 5,964 |
| Noninterest income to average assets | 0.1659% | 5,740 |
| Noninterest expense to average assets | 2.1633% | 5,246 |
| Loan and lease loss provision to assets | 0.0181% | 3,484 |
| Net operating income to assets | 0.3829% | 5,136 |
| Return on assets (ROA) | 0.3771% | 5,273 |
| Pretax return on assets | 0.3952% | 5,441 |
| Return on Equity (ROE) | 3.4769% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.4769% | 3,909 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7617% | 1,406 |
| Assets per employee ($millions) | 6.9606% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 825 |
| Loan loss allowance to noncurrent loans | 82.1875% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 3,318 |
| Noncurrent loans to loans | 2.6567% | 893 |
| Net loans and leases to total assets | 26.7265% | 6,176 |
| Net loans and leases to deposits | 30.1435% | 6,194 |
| Net loans and leases to core deposits | 34.4023% | 6,134 |
| Total domestic deposits to total assets | 88.6640% | 1,468 |
| Equity capital to assets | 10.7946% | 3,197 |
| Core capital (leverage) ratio | 10.0043% | 3,591 |
| Tier 1 risk-based capital ratio | 22.3678% | 1,186 |
| Total risk-based capital ratio | 23.6181% | 1,171 |
| Memoranda: | ||
| Average total assets | $132,577,500 | 3,942 |
| Average earning assets | $125,167,000 | 3,889 |
| Average equity | $14,380,500 | 4,017 |
| Average total loans | $38,559,500 | 5,192 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8459% | 6,172 |
| Cost of funding earning assets | 0.2471% | 5,358 |
| Net interest margin | 2.5988% | 6,074 |
| Noninterest income to average assets | 0.2321% | 5,473 |
| Noninterest expense to average assets | 2.0994% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5436% | 4,626 |
| Return on assets (ROA) | 0.5827% | 4,534 |
| Pretax return on assets | 0.6067% | 4,920 |
| Return on Equity (ROE) | 5.8244% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.8244% | 2,042 |
| Net charge-offs to loans | 0.0913% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.0270% | 1,698 |
| Efficiency ratio | 78.1932% | 2,190 |
| Assets per employee ($millions) | 7.3836% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 1,290 |
| Loan loss allowance to noncurrent loans | 4,893.7500% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,018 |
| Noncurrent loans to loans | 0.0390% | 5,720 |
| Net loans and leases to total assets | 30.2481% | 6,166 |
| Net loans and leases to deposits | 34.1468% | 6,217 |
| Net loans and leases to core deposits | 39.0623% | 6,117 |
| Total domestic deposits to total assets | 88.5827% | 1,477 |
| Equity capital to assets | 10.8988% | 3,012 |
| Core capital (leverage) ratio | 9.8277% | 3,803 |
| Tier 1 risk-based capital ratio | 21.9170% | 1,235 |
| Total risk-based capital ratio | 23.1669% | 1,213 |
| Memoranda: | ||
| Average total assets | $137,469,000 | 3,852 |
| Average earning assets | $128,712,200 | 3,795 |
| Average equity | $13,752,600 | 4,063 |
| Average total loans | $40,531,800 | 5,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8488% | 6,249 |
| Cost of funding earning assets | 0.2538% | 5,372 |
| Net interest margin | 2.5950% | 6,140 |
| Noninterest income to average assets | 0.2501% | 5,425 |
| Noninterest expense to average assets | 2.0460% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6084% | 4,409 |
| Return on assets (ROA) | 0.6435% | 4,340 |
| Pretax return on assets | 0.6704% | 4,803 |
| Return on Equity (ROE) | 6.5734% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.5734% | 2,056 |
| Net charge-offs to loans | 0.0693% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.3800% | 1,327 |
| Efficiency ratio | 75.5922% | 2,561 |
| Assets per employee ($millions) | 6.5411% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 1,384 |
| Loan loss allowance to noncurrent loans | 3,804.7619% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,118 |
| Noncurrent loans to loans | 0.0508% | 5,811 |
| Net loans and leases to total assets | 29.4941% | 6,268 |
| Net loans and leases to deposits | 34.8364% | 6,274 |
| Net loans and leases to core deposits | 40.1022% | 6,175 |
| Total domestic deposits to total assets | 84.6647% | 3,472 |
| Equity capital to assets | 10.3922% | 3,687 |
| Core capital (leverage) ratio | 9.5186% | 4,347 |
| Tier 1 risk-based capital ratio | 21.4325% | 1,366 |
| Total risk-based capital ratio | 22.6832% | 1,336 |
| Memoranda: | ||
| Average total assets | $138,610,250 | 3,856 |
| Average earning assets | $129,783,000 | 3,792 |
| Average equity | $13,569,500 | 4,115 |
| Average total loans | $40,418,750 | 5,220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8596% | 6,290 |
| Cost of funding earning assets | 0.2632% | 5,353 |
| Net interest margin | 2.5964% | 6,174 |
| Noninterest income to average assets | 0.2949% | 5,056 |
| Noninterest expense to average assets | 1.9076% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7810% | 3,421 |
| Return on assets (ROA) | 0.8114% | 3,377 |
| Pretax return on assets | 0.8459% | 4,094 |
| Return on Equity (ROE) | 8.4594% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.4594% | 1,152 |
| Net charge-offs to loans | 0.0050% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 127 |
| Efficiency ratio | 68.9746% | 3,838 |
| Assets per employee ($millions) | 7.3761% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 1,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.8868% | 6,367 |
| Net loans and leases to deposits | 32.0389% | 6,387 |
| Net loans and leases to core deposits | 36.6173% | 6,315 |
| Total domestic deposits to total assets | 87.0406% | 2,434 |
| Equity capital to assets | 9.9939% | 4,114 |
| Core capital (leverage) ratio | 9.1872% | 4,764 |
| Tier 1 risk-based capital ratio | 21.5296% | 1,339 |
| Total risk-based capital ratio | 22.7763% | 1,318 |
| Memoranda: | ||
| Average total assets | $139,026,000 | 3,866 |
| Average earning assets | $129,947,000 | 3,810 |
| Average equity | $13,334,330 | 4,162 |
| Average total loans | $40,120,670 | 5,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8960% | 6,331 |
| Cost of funding earning assets | 0.2768% | 5,316 |
| Net interest margin | 2.6192% | 6,211 |
| Noninterest income to average assets | 0.1762% | 5,911 |
| Noninterest expense to average assets | 2.0568% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5806% | 4,295 |
| Return on assets (ROA) | 0.5806% | 4,362 |
| Pretax return on assets | 0.5518% | 5,003 |
| Return on Equity (ROE) | 6.1853% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.1853% | 2,439 |
| Net charge-offs to loans | 0.0298% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 628 |
| Efficiency ratio | 76.5227% | 2,722 |
| Assets per employee ($millions) | 7.1615% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 1,471 |
| Loan loss allowance to noncurrent loans | 20,425.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,337 |
| Noncurrent loans to loans | 0.0099% | 6,144 |
| Net loans and leases to total assets | 27.6459% | 6,426 |
| Net loans and leases to deposits | 30.6609% | 6,471 |
| Net loans and leases to core deposits | 34.5816% | 6,395 |
| Total domestic deposits to total assets | 90.1668% | 988 |
| Equity capital to assets | 9.2691% | 4,789 |
| Core capital (leverage) ratio | 9.0202% | 4,975 |
| Tier 1 risk-based capital ratio | 20.4187% | 1,612 |
| Total risk-based capital ratio | 21.6685% | 1,580 |
| Memoranda: | ||
| Average total assets | $138,466,500 | 3,910 |
| Average earning assets | $128,590,500 | 3,876 |
| Average equity | $12,998,500 | 4,237 |
| Average total loans | $40,230,500 | 5,314 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 6,325 |
| Cost of funding earning assets | 0.3781% | 4,860 |
| Net interest margin | 2.6409% | 6,214 |
| Noninterest income to average assets | 0.1446% | 6,220 |
| Noninterest expense to average assets | 2.0327% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5239% | 4,626 |
| Return on assets (ROA) | 0.5434% | 4,663 |
| Pretax return on assets | 0.5681% | 4,977 |
| Return on Equity (ROE) | 5.7764% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.7764% | 2,117 |
| Net charge-offs to loans | 0.0421% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 44.3529% | 868 |
| Efficiency ratio | 75.1408% | 2,928 |
| Assets per employee ($millions) | 6.0775% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 1,446 |
| Loan loss allowance to noncurrent loans | 1,952.3810% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 6,291 |
| Noncurrent loans to loans | 0.1049% | 5,898 |
| Net loans and leases to total assets | 29.3387% | 6,485 |
| Net loans and leases to deposits | 33.0344% | 6,510 |
| Net loans and leases to core deposits | 38.7289% | 6,398 |
| Total domestic deposits to total assets | 88.8126% | 1,742 |
| Equity capital to assets | 9.5143% | 4,413 |
| Core capital (leverage) ratio | 9.2467% | 4,643 |
| Tier 1 risk-based capital ratio | 20.5926% | 1,514 |
| Total risk-based capital ratio | 21.8442% | 1,490 |
| Memoranda: | ||
| Average total assets | $137,647,800 | 3,921 |
| Average earning assets | $126,966,400 | 3,906 |
| Average equity | $12,949,200 | 4,278 |
| Average total loans | $40,351,800 | 5,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9814% | 6,437 |
| Cost of funding earning assets | 0.3917% | 4,893 |
| Net interest margin | 2.5897% | 6,329 |
| Noninterest income to average assets | 0.1356% | 6,345 |
| Noninterest expense to average assets | 1.9302% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5639% | 4,508 |
| Return on assets (ROA) | 0.5722% | 4,607 |
| Pretax return on assets | 0.5982% | 5,015 |
| Return on Equity (ROE) | 6.0995% | 4,136 |
| Retained earnings to average equity (ytd only) | 6.0995% | 2,349 |
| Net charge-offs to loans | 0.0660% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.6453% | 1,224 |
| Efficiency ratio | 72.9008% | 3,240 |
| Assets per employee ($millions) | 6.3474% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0313% | 1,648 |
| Loan loss allowance to noncurrent loans | 115.5587% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 4,931 |
| Noncurrent loans to loans | 1.7578% | 2,560 |
| Net loans and leases to total assets | 28.2170% | 6,591 |
| Net loans and leases to deposits | 33.0609% | 6,591 |
| Net loans and leases to core deposits | 37.9254% | 6,507 |
| Total domestic deposits to total assets | 85.3484% | 3,564 |
| Equity capital to assets | 9.0259% | 5,159 |
| Core capital (leverage) ratio | 8.9179% | 5,240 |
| Tier 1 risk-based capital ratio | 19.4751% | 1,865 |
| Total risk-based capital ratio | 20.7241% | 1,839 |
| Memoranda: | ||
| Average total assets | $138,633,750 | 3,941 |
| Average earning assets | $127,631,750 | 3,926 |
| Average equity | $13,006,250 | 4,308 |
| Average total loans | $40,428,000 | 5,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0686% | 6,377 |
| Cost of funding earning assets | 0.4126% | 4,832 |
| Net interest margin | 2.6560% | 6,250 |
| Noninterest income to average assets | 0.1012% | 6,526 |
| Noninterest expense to average assets | 1.9176% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6023% | 4,269 |
| Return on assets (ROA) | 0.6146% | 4,388 |
| Pretax return on assets | 0.6450% | 4,857 |
| Return on Equity (ROE) | 6.4686% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,165 |
| Net charge-offs to loans | 0.1086% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.8636% | 1,493 |
| Efficiency ratio | 71.5825% | 3,543 |
| Assets per employee ($millions) | 6.7771% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2049% | 1,410 |
| Loan loss allowance to noncurrent loans | 1,253.8462% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 6,362 |
| Noncurrent loans to loans | 0.1759% | 5,877 |
| Net loans and leases to total assets | 26.6692% | 6,667 |
| Net loans and leases to deposits | 29.5377% | 6,709 |
| Net loans and leases to core deposits | 33.7788% | 6,653 |
| Total domestic deposits to total assets | 90.2886% | 868 |
| Equity capital to assets | 9.1012% | 5,101 |
| Core capital (leverage) ratio | 8.8751% | 5,183 |
| Tier 1 risk-based capital ratio | 21.1953% | 1,448 |
| Total risk-based capital ratio | 22.4485% | 1,415 |
| Memoranda: | ||
| Average total assets | $138,297,330 | 3,982 |
| Average earning assets | $127,485,670 | 3,952 |
| Average equity | $13,140,330 | 4,318 |
| Average total loans | $40,497,330 | 5,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 6,320 |
| Cost of funding earning assets | 0.4340% | 4,766 |
| Net interest margin | 2.7434% | 6,137 |
| Noninterest income to average assets | 0.0029% | 6,847 |
| Noninterest expense to average assets | 1.8701% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6342% | 4,060 |
| Return on assets (ROA) | 0.6587% | 4,070 |
| Pretax return on assets | 0.6930% | 4,606 |
| Return on Equity (ROE) | 6.7934% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.7934% | 2,255 |
| Net charge-offs to loans | 0.2366% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.3200% | 1,849 |
| Efficiency ratio | 70.0903% | 3,952 |
| Assets per employee ($millions) | 6.5763% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 1,802 |
| Loan loss allowance to noncurrent loans | 837.1134% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 6,338 |
| Noncurrent loans to loans | 0.2506% | 5,787 |
| Net loans and leases to total assets | 27.4420% | 6,684 |
| Net loans and leases to deposits | 31.0189% | 6,718 |
| Net loans and leases to core deposits | 36.1267% | 6,617 |
| Total domestic deposits to total assets | 88.4687% | 2,029 |
| Equity capital to assets | 9.7862% | 4,444 |
| Core capital (leverage) ratio | 8.4590% | 5,638 |
| Tier 1 risk-based capital ratio | 20.1261% | 1,735 |
| Total risk-based capital ratio | 21.3771% | 1,707 |
| Memoranda: | ||
| Average total assets | $139,675,000 | 3,993 |
| Average earning assets | $129,035,000 | 3,960 |
| Average equity | $13,542,500 | 4,281 |
| Average total loans | $42,264,500 | 5,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 6,409 |
| Cost of funding earning assets | 0.5032% | 5,199 |
| Net interest margin | 2.9518% | 6,133 |
| Noninterest income to average assets | 0.3189% | 5,174 |
| Noninterest expense to average assets | 2.1503% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8425% | 3,080 |
| Return on assets (ROA) | 0.8859% | 3,127 |
| Pretax return on assets | 0.9206% | 3,861 |
| Return on Equity (ROE) | 8.9943% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.9943% | 824 |
| Net charge-offs to loans | 0.1019% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 26.3864% | 1,100 |
| Efficiency ratio | 67.8545% | 4,174 |
| Assets per employee ($millions) | 6.7261% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,505 |
| Loan loss allowance to noncurrent loans | 536.5385% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 6,306 |
| Noncurrent loans to loans | 0.3405% | 5,632 |
| Net loans and leases to total assets | 31.8461% | 6,634 |
| Net loans and leases to deposits | 38.3760% | 6,622 |
| Net loans and leases to core deposits | 45.9488% | 6,375 |
| Total domestic deposits to total assets | 82.9845% | 4,732 |
| Equity capital to assets | 9.6072% | 4,737 |
| Core capital (leverage) ratio | 8.6097% | 5,448 |
| Tier 1 risk-based capital ratio | 17.7289% | 2,369 |
| Total risk-based capital ratio | 18.9932% | 2,324 |
| Memoranda: | ||
| Average total assets | $132,629,600 | 4,091 |
| Average earning assets | $121,619,400 | 4,075 |
| Average equity | $13,063,800 | 4,347 |
| Average total loans | $43,173,000 | 5,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 6,510 |
| Cost of funding earning assets | 0.5116% | 5,360 |
| Net interest margin | 2.9897% | 6,190 |
| Noninterest income to average assets | 0.3066% | 5,331 |
| Noninterest expense to average assets | 2.0642% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9447% | 2,766 |
| Return on assets (ROA) | 1.0066% | 2,701 |
| Pretax return on assets | 1.0474% | 3,543 |
| Return on Equity (ROE) | 10.1513% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.1513% | 876 |
| Net charge-offs to loans | -0.0094% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4869% | 4,713 |
| Assets per employee ($millions) | 6.2722% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 2,261 |
| Loan loss allowance to noncurrent loans | 1,498.3051% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 6,644 |
| Noncurrent loans to loans | 0.1315% | 6,273 |
| Net loans and leases to total assets | 33.4012% | 6,687 |
| Net loans and leases to deposits | 39.2147% | 6,710 |
| Net loans and leases to core deposits | 46.5644% | 6,485 |
| Total domestic deposits to total assets | 85.1750% | 3,672 |
| Equity capital to assets | 10.4163% | 3,938 |
| Core capital (leverage) ratio | 8.6416% | 5,564 |
| Tier 1 risk-based capital ratio | 17.5311% | 2,530 |
| Total risk-based capital ratio | 18.7628% | 2,501 |
| Memoranda: | ||
| Average total assets | $130,475,000 | 4,174 |
| Average earning assets | $119,609,250 | 4,159 |
| Average equity | $12,937,250 | 4,410 |
| Average total loans | $42,511,500 | 5,464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5423% | 6,556 |
| Cost of funding earning assets | 0.5134% | 5,525 |
| Net interest margin | 3.0288% | 6,178 |
| Noninterest income to average assets | 0.3445% | 5,082 |
| Noninterest expense to average assets | 1.9868% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0992% | 2,050 |
| Return on assets (ROA) | 1.1656% | 2,031 |
| Pretax return on assets | 1.2117% | 2,872 |
| Return on Equity (ROE) | 11.9593% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.9593% | 589 |
| Net charge-offs to loans | -0.0096% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2948% | 5,528 |
| Assets per employee ($millions) | 6.7026% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 2,014 |
| Loan loss allowance to noncurrent loans | 6,792.3077% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,818 |
| Noncurrent loans to loans | 0.0308% | 6,610 |
| Net loans and leases to total assets | 30.7913% | 6,852 |
| Net loans and leases to deposits | 35.8660% | 6,879 |
| Net loans and leases to core deposits | 42.4773% | 6,714 |
| Total domestic deposits to total assets | 85.8509% | 3,429 |
| Equity capital to assets | 9.8701% | 4,516 |
| Core capital (leverage) ratio | 8.2678% | 5,969 |
| Tier 1 risk-based capital ratio | 17.9279% | 2,317 |
| Total risk-based capital ratio | 19.1958% | 2,277 |
| Memoranda: | ||
| Average total assets | $130,061,000 | 4,208 |
| Average earning assets | $119,583,670 | 4,182 |
| Average equity | $12,676,330 | 4,464 |
| Average total loans | $41,722,330 | 5,525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 6,535 |
| Cost of funding earning assets | 0.5172% | 5,706 |
| Net interest margin | 3.1169% | 5,993 |
| Noninterest income to average assets | 0.3311% | 5,211 |
| Noninterest expense to average assets | 1.9146% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2431% | 1,623 |
| Return on assets (ROA) | 1.2431% | 1,801 |
| Pretax return on assets | 1.2962% | 2,551 |
| Return on Equity (ROE) | 12.8397% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.8397% | 708 |
| Net charge-offs to loans | 0.0386% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 103.7500% | 336 |
| Efficiency ratio | 56.5175% | 6,074 |
| Assets per employee ($millions) | 6.9695% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 2,012 |
| Loan loss allowance to noncurrent loans | 4,872.2222% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 6,758 |
| Noncurrent loans to loans | 0.0438% | 6,641 |
| Net loans and leases to total assets | 30.3494% | 6,895 |
| Net loans and leases to deposits | 33.7751% | 6,957 |
| Net loans and leases to core deposits | 38.5698% | 6,863 |
| Total domestic deposits to total assets | 89.8573% | 1,157 |
| Equity capital to assets | 9.6072% | 4,640 |
| Core capital (leverage) ratio | 8.2423% | 5,962 |
| Tier 1 risk-based capital ratio | 16.0687% | 3,141 |
| Total risk-based capital ratio | 17.3200% | 3,105 |
| Memoranda: | ||
| Average total assets | $128,066,000 | 4,280 |
| Average earning assets | $118,324,500 | 4,241 |
| Average equity | $12,399,000 | 4,529 |
| Average total loans | $41,504,000 | 5,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 6,590 |
| Cost of funding earning assets | 0.6288% | 5,930 |
| Net interest margin | 3.2863% | 5,852 |
| Noninterest income to average assets | 0.2616% | 5,666 |
| Noninterest expense to average assets | 1.9421% | 6,774 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2873% | 1,282 |
| Return on assets (ROA) | 1.3874% | 1,141 |
| Pretax return on assets | 1.4479% | 1,631 |
| Return on Equity (ROE) | 15.7173% | 648 |
| Retained earnings to average equity (ytd only) | 15.7173% | 104 |
| Net charge-offs to loans | 0.9420% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.8643% | 3,361 |
| Efficiency ratio | 55.8579% | 6,328 |
| Assets per employee ($millions) | 6.5111% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 2,003 |
| Loan loss allowance to noncurrent loans | 1,874.4681% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 6,796 |
| Noncurrent loans to loans | 0.1121% | 6,531 |
| Net loans and leases to total assets | 33.1911% | 6,899 |
| Net loans and leases to deposits | 38.7456% | 6,929 |
| Net loans and leases to core deposits | 44.7741% | 6,782 |
| Total domestic deposits to total assets | 85.6642% | 3,502 |
| Equity capital to assets | 9.7615% | 4,494 |
| Core capital (leverage) ratio | 8.3075% | 5,846 |
| Tier 1 risk-based capital ratio | 15.5709% | 3,281 |
| Total risk-based capital ratio | 16.8220% | 3,237 |
| Memoranda: | ||
| Average total assets | $120,798,200 | 4,377 |
| Average earning assets | $111,160,000 | 4,369 |
| Average equity | $10,663,400 | 4,874 |
| Average total loans | $44,588,000 | 5,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 6,574 |
| Cost of funding earning assets | 0.6583% | 5,993 |
| Net interest margin | 3.3497% | 5,718 |
| Noninterest income to average assets | 0.2821% | 5,591 |
| Noninterest expense to average assets | 1.8611% | 6,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4369% | 1,085 |
| Return on assets (ROA) | 1.5713% | 888 |
| Pretax return on assets | 1.6401% | 1,277 |
| Return on Equity (ROE) | 18.2985% | 432 |
| Retained earnings to average equity (ytd only) | 18.2985% | 108 |
| Net charge-offs to loans | 0.7042% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.6527% | 2,731 |
| Efficiency ratio | 52.1639% | 6,659 |
| Assets per employee ($millions) | 6.9075% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4832% | 1,419 |
| Loan loss allowance to noncurrent loans | 1,475.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 6,826 |
| Noncurrent loans to loans | 0.1684% | 6,527 |
| Net loans and leases to total assets | 33.5424% | 6,975 |
| Net loans and leases to deposits | 37.2782% | 7,053 |
| Net loans and leases to core deposits | 43.8184% | 6,926 |
| Total domestic deposits to total assets | 89.9787% | 877 |
| Equity capital to assets | 9.4599% | 5,147 |
| Core capital (leverage) ratio | 8.0699% | 6,318 |
| Tier 1 risk-based capital ratio | 14.8525% | 3,755 |
| Total risk-based capital ratio | 16.1061% | 3,722 |
| Memoranda: | ||
| Average total assets | $120,070,000 | 4,424 |
| Average earning assets | $110,375,250 | 4,411 |
| Average equity | $10,310,250 | 4,960 |
| Average total loans | $45,249,500 | 5,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 6,521 |
| Cost of funding earning assets | 0.6867% | 6,034 |
| Net interest margin | 3.4008% | 5,555 |
| Noninterest income to average assets | 0.2984% | 5,502 |
| Noninterest expense to average assets | 1.9554% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4110% | 1,056 |
| Return on assets (ROA) | 1.6149% | 756 |
| Pretax return on assets | 1.6857% | 1,084 |
| Return on Equity (ROE) | 19.4986% | 343 |
| Retained earnings to average equity (ytd only) | 19.4986% | 103 |
| Net charge-offs to loans | 0.9028% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.2019% | 2,930 |
| Efficiency ratio | 53.8840% | 6,630 |
| Assets per employee ($millions) | 6.9263% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5621% | 1,350 |
| Loan loss allowance to noncurrent loans | 910.8333% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 6,766 |
| Noncurrent loans to loans | 0.2813% | 6,360 |
| Net loans and leases to total assets | 33.3416% | 7,067 |
| Net loans and leases to deposits | 36.6687% | 7,161 |
| Net loans and leases to core deposits | 42.9777% | 7,042 |
| Total domestic deposits to total assets | 90.9267% | 521 |
| Equity capital to assets | 8.5792% | 6,082 |
| Core capital (leverage) ratio | 7.7863% | 6,524 |
| Tier 1 risk-based capital ratio | 14.0584% | 4,130 |
| Total risk-based capital ratio | 15.3132% | 4,099 |
| Memoranda: | ||
| Average total assets | $118,648,330 | 4,498 |
| Average earning assets | $109,211,000 | 4,472 |
| Average equity | $9,826,330 | 5,094 |
| Average total loans | $46,077,000 | 5,520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 5,945 |
| Cost of funding earning assets | 0.7353% | 5,947 |
| Net interest margin | 3.5866% | 4,632 |
| Noninterest income to average assets | 0.3632% | 5,005 |
| Noninterest expense to average assets | 1.9786% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6208% | 661 |
| Return on assets (ROA) | 1.8333% | 488 |
| Pretax return on assets | 1.9129% | 661 |
| Return on Equity (ROE) | 22.5736% | 228 |
| Retained earnings to average equity (ytd only) | 22.5736% | 127 |
| Net charge-offs to loans | 1.6993% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.4089% | 3,115 |
| Efficiency ratio | 50.8954% | 6,925 |
| Assets per employee ($millions) | 6.8671% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4058% | 1,599 |
| Loan loss allowance to noncurrent loans | 603.2967% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,707 |
| Noncurrent loans to loans | 0.3988% | 6,198 |
| Net loans and leases to total assets | 36.0349% | 6,997 |
| Net loans and leases to deposits | 39.3481% | 7,125 |
| Net loans and leases to core deposits | 46.8045% | 6,935 |
| Total domestic deposits to total assets | 91.5798% | 394 |
| Equity capital to assets | 7.9275% | 6,568 |
| Core capital (leverage) ratio | 7.9334% | 6,323 |
| Tier 1 risk-based capital ratio | 12.9960% | 4,826 |
| Total risk-based capital ratio | 14.2507% | 4,813 |
| Memoranda: | ||
| Average total assets | $115,636,000 | 4,600 |
| Average earning assets | $106,620,500 | 4,573 |
| Average equity | $9,391,500 | 5,208 |
| Average total loans | $47,785,000 | 5,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 5,963 |
| Cost of funding earning assets | 1.5040% | 2,617 |
| Net interest margin | 3.1429% | 6,407 |
| Noninterest income to average assets | 0.2361% | 6,111 |
| Noninterest expense to average assets | 2.1736% | 6,686 |
| Loan and lease loss provision to assets | 0.6027% | 2,723 |
| Net operating income to assets | 0.3170% | 4,878 |
| Return on assets (ROA) | 0.3179% | 5,042 |
| Pretax return on assets | 0.3289% | 5,151 |
| Return on Equity (ROE) | 3.7534% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,239 |
| Net charge-offs to loans | 0.5748% | 3,324 |
| Credit loss provision to net charge-offs | 224.6575% | 1,330 |
| Earnings coverage of net charge-offs (x) | 3.4692% | 3,342 |
| Efficiency ratio | 66.2030% | 4,933 |
| Assets per employee ($millions) | 5.9813% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6056% | 1,288 |
| Loan loss allowance to noncurrent loans | 277.9915% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,974 |
| Noncurrent loans to loans | 0.9373% | 5,172 |
| Net loans and leases to total assets | 45.1674% | 6,624 |
| Net loans and leases to deposits | 49.5764% | 6,877 |
| Net loans and leases to core deposits | 65.9734% | 5,876 |
| Total domestic deposits to total assets | 91.1066% | 553 |
| Equity capital to assets | 8.3445% | 6,088 |
| Core capital (leverage) ratio | 7.4562% | 6,740 |
| Tier 1 risk-based capital ratio | 12.3586% | 5,152 |
| Total risk-based capital ratio | 13.6161% | 5,114 |
| Memoranda: | ||
| Average total assets | $108,851,400 | 4,751 |
| Average earning assets | $99,336,200 | 4,741 |
| Average equity | $9,218,400 | 5,351 |
| Average total loans | $50,799,000 | 5,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 6,093 |
| Cost of funding earning assets | 1.6126% | 2,322 |
| Net interest margin | 3.0670% | 6,692 |
| Noninterest income to average assets | 0.2626% | 6,016 |
| Noninterest expense to average assets | 2.1096% | 6,823 |
| Loan and lease loss provision to assets | 0.5900% | 2,574 |
| Net operating income to assets | 0.3457% | 4,990 |
| Return on assets (ROA) | 0.3457% | 5,157 |
| Pretax return on assets | 0.3579% | 5,349 |
| Return on Equity (ROE) | 4.0673% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.0673% | 3,610 |
| Net charge-offs to loans | 0.4103% | 3,650 |
| Credit loss provision to net charge-offs | 307.6433% | 1,036 |
| Earnings coverage of net charge-offs (x) | 4.9426% | 2,887 |
| Efficiency ratio | 65.1219% | 5,031 |
| Assets per employee ($millions) | 6.0789% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4621% | 1,389 |
| Loan loss allowance to noncurrent loans | 272.1983% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 6,100 |
| Noncurrent loans to loans | 0.9045% | 5,438 |
| Net loans and leases to total assets | 45.7271% | 6,720 |
| Net loans and leases to deposits | 50.5757% | 6,980 |
| Net loans and leases to core deposits | 65.0930% | 6,202 |
| Total domestic deposits to total assets | 90.4132% | 675 |
| Equity capital to assets | 8.8959% | 5,705 |
| Core capital (leverage) ratio | 7.8502% | 6,517 |
| Tier 1 risk-based capital ratio | 12.5423% | 4,942 |
| Total risk-based capital ratio | 13.8002% | 4,917 |
| Memoranda: | ||
| Average total assets | $109,148,250 | 4,794 |
| Average earning assets | $99,464,750 | 4,802 |
| Average equity | $9,277,000 | 5,411 |
| Average total loans | $51,016,250 | 5,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 6,163 |
| Cost of funding earning assets | 1.6800% | 2,223 |
| Net interest margin | 3.0143% | 6,798 |
| Noninterest income to average assets | 0.2109% | 6,413 |
| Noninterest expense to average assets | 2.1658% | 6,731 |
| Loan and lease loss provision to assets | 0.4915% | 2,839 |
| Net operating income to assets | 0.2934% | 5,206 |
| Return on assets (ROA) | 0.2934% | 5,358 |
| Pretax return on assets | 0.3044% | 5,483 |
| Return on Equity (ROE) | 3.5070% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,875 |
| Net charge-offs to loans | 0.2003% | 4,411 |
| Credit loss provision to net charge-offs | 525.4902% | 705 |
| Earnings coverage of net charge-offs (x) | 8.5098% | 2,126 |
| Efficiency ratio | 69.1641% | 4,344 |
| Assets per employee ($millions) | 5.6552% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,693 |
| Loan loss allowance to noncurrent loans | 277.4038% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,412 |
| Noncurrent loans to loans | 0.8063% | 5,664 |
| Net loans and leases to total assets | 46.9418% | 6,712 |
| Net loans and leases to deposits | 51.8009% | 6,990 |
| Net loans and leases to core deposits | 67.0968% | 6,141 |
| Total domestic deposits to total assets | 90.6196% | 635 |
| Equity capital to assets | 8.7456% | 5,818 |
| Core capital (leverage) ratio | 7.5980% | 6,737 |
| Tier 1 risk-based capital ratio | 12.4348% | 4,918 |
| Total risk-based capital ratio | 13.6919% | 4,891 |
| Memoranda: | ||
| Average total assets | $109,057,330 | 4,829 |
| Average earning assets | $99,526,330 | 4,825 |
| Average equity | $9,124,670 | 5,466 |
| Average total loans | $50,922,330 | 5,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 6,012 |
| Cost of funding earning assets | 1.7297% | 2,233 |
| Net interest margin | 3.0369% | 6,747 |
| Noninterest income to average assets | 0.2840% | 5,869 |
| Noninterest expense to average assets | 2.2210% | 6,629 |
| Loan and lease loss provision to assets | 0.5680% | 2,221 |
| Net operating income to assets | 0.2767% | 5,391 |
| Return on assets (ROA) | 0.2767% | 5,520 |
| Pretax return on assets | 0.2694% | 5,690 |
| Return on Equity (ROE) | 3.3821% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.3821% | 4,126 |
| Net charge-offs to loans | 0.1265% | 4,208 |
| Credit loss provision to net charge-offs | 975.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,437 |
| Efficiency ratio | 68.8095% | 4,552 |
| Assets per employee ($millions) | 5.8961% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1770% | 1,801 |
| Loan loss allowance to noncurrent loans | 403.3708% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,864 |
| Noncurrent loans to loans | 0.5397% | 6,209 |
| Net loans and leases to total assets | 43.1993% | 7,050 |
| Net loans and leases to deposits | 47.2861% | 7,265 |
| Net loans and leases to core deposits | 59.4828% | 6,783 |
| Total domestic deposits to total assets | 91.3573% | 418 |
| Equity capital to assets | 8.0741% | 6,575 |
| Core capital (leverage) ratio | 7.2637% | 7,062 |
| Tier 1 risk-based capital ratio | 12.6138% | 4,631 |
| Total risk-based capital ratio | 13.8683% | 4,590 |
| Memoranda: | ||
| Average total assets | $109,862,000 | 4,876 |
| Average earning assets | $100,364,500 | 4,868 |
| Average equity | $8,988,500 | 5,552 |
| Average total loans | $50,587,500 | 5,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 5,117 |
| Cost of funding earning assets | 2.0633% | 2,664 |
| Net interest margin | 3.2491% | 5,934 |
| Noninterest income to average assets | 0.4406% | 4,875 |
| Noninterest expense to average assets | 2.8740% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4858% | 3,791 |
| Return on assets (ROA) | 0.4858% | 3,886 |
| Pretax return on assets | 0.5142% | 4,145 |
| Return on Equity (ROE) | 5.2937% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.2937% | 1,678 |
| Net charge-offs to loans | 0.3636% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.6721% | 3,771 |
| Efficiency ratio | 81.5022% | 2,672 |
| Assets per employee ($millions) | 6.3352% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,505 |
| Loan loss allowance to noncurrent loans | 254.6196% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 6,589 |
| Noncurrent loans to loans | 0.7117% | 5,825 |
| Net loans and leases to total assets | 47.1379% | 6,885 |
| Net loans and leases to deposits | 51.7392% | 7,158 |
| Net loans and leases to core deposits | 91.9742% | 4,889 |
| Total domestic deposits to total assets | 91.1067% | 497 |
| Equity capital to assets | 8.2935% | 6,207 |
| Core capital (leverage) ratio | 7.6081% | 6,676 |
| Tier 1 risk-based capital ratio | 12.3917% | 4,602 |
| Total risk-based capital ratio | 12.5724% | 5,533 |
| Memoranda: | ||
| Average total assets | $95,093,000 | 5,237 |
| Average earning assets | $86,269,600 | 5,251 |
| Average equity | $8,727,400 | 5,689 |
| Average total loans | $50,326,000 | 5,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 4,332 |
| Cost of funding earning assets | 2.0746% | 3,012 |
| Net interest margin | 3.4423% | 5,101 |
| Noninterest income to average assets | 0.4757% | 4,706 |
| Noninterest expense to average assets | 3.0700% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5061% | 3,958 |
| Return on assets (ROA) | 0.5061% | 4,045 |
| Pretax return on assets | 0.5264% | 4,439 |
| Return on Equity (ROE) | 5.3631% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,276 |
| Net charge-offs to loans | 0.3468% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.7923% | 3,821 |
| Efficiency ratio | 82.3387% | 2,533 |
| Assets per employee ($millions) | 5.3011% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 2,079 |
| Loan loss allowance to noncurrent loans | 603.6585% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 7,131 |
| Noncurrent loans to loans | 0.3117% | 6,738 |
| Net loans and leases to total assets | 51.2515% | 6,679 |
| Net loans and leases to deposits | 56.7988% | 7,037 |
| Net loans and leases to core deposits | 99.5411% | 4,427 |
| Total domestic deposits to total assets | 90.2334% | 688 |
| Equity capital to assets | 8.8939% | 5,643 |
| Core capital (leverage) ratio | 7.9439% | 6,451 |
| Tier 1 risk-based capital ratio | 12.2828% | 4,724 |
| Total risk-based capital ratio | 12.5602% | 5,574 |
| Memoranda: | ||
| Average total assets | $91,941,500 | 5,369 |
| Average earning assets | $83,354,000 | 5,391 |
| Average equity | $8,676,250 | 5,761 |
| Average total loans | $49,981,500 | 5,722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,670 |
| Cost of funding earning assets | 2.0532% | 3,508 |
| Net interest margin | 3.6254% | 4,265 |
| Noninterest income to average assets | 0.5190% | 4,278 |
| Noninterest expense to average assets | 2.4355% | 6,352 |
| Loan and lease loss provision to assets | 0.8987% | 1,880 |
| Net operating income to assets | 0.4134% | 4,456 |
| Return on assets (ROA) | 0.4134% | 4,562 |
| Pretax return on assets | 0.4696% | 4,719 |
| Return on Equity (ROE) | 4.2879% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.2879% | 2,915 |
| Net charge-offs to loans | -0.0041% | 7,512 |
| Credit loss provision to net charge-offs | -40,000.0000% | 7,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4885% | 6,315 |
| Assets per employee ($millions) | 4.9859% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,391 |
| Loan loss allowance to noncurrent loans | 88.0992% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2773% | 4,382 |
| Noncurrent loans to loans | 2.3862% | 3,025 |
| Net loans and leases to total assets | 52.4026% | 6,631 |
| Net loans and leases to deposits | 58.1424% | 7,014 |
| Net loans and leases to core deposits | 99.4949% | 4,556 |
| Total domestic deposits to total assets | 90.1279% | 775 |
| Equity capital to assets | 9.0455% | 5,249 |
| Core capital (leverage) ratio | 8.1487% | 6,080 |
| Tier 1 risk-based capital ratio | 12.6311% | 4,414 |
| Total risk-based capital ratio | 13.1176% | 4,944 |
| Memoranda: | ||
| Average total assets | $89,015,000 | 5,495 |
| Average earning assets | $80,652,670 | 5,510 |
| Average equity | $8,582,330 | 5,822 |
| Average total loans | $49,105,000 | 5,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0542% | 2,131 |
| Cost of funding earning assets | 2.0471% | 3,892 |
| Net interest margin | 4.0071% | 2,615 |
| Noninterest income to average assets | 0.4503% | 4,763 |
| Noninterest expense to average assets | 2.4467% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5692% | 828 |
| Return on assets (ROA) | 1.5692% | 906 |
| Pretax return on assets | 1.6389% | 1,318 |
| Return on Equity (ROE) | 15.7411% | 860 |
| Retained earnings to average equity (ytd only) | 15.7411% | 360 |
| Net charge-offs to loans | -0.0083% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6364% | 6,604 |
| Assets per employee ($millions) | 4.8921% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 3,601 |
| Loan loss allowance to noncurrent loans | 1,148.2759% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 7,412 |
| Noncurrent loans to loans | 0.1204% | 7,177 |
| Net loans and leases to total assets | 51.1307% | 6,760 |
| Net loans and leases to deposits | 56.9494% | 7,105 |
| Net loans and leases to core deposits | 89.6210% | 5,594 |
| Total domestic deposits to total assets | 89.7827% | 894 |
| Equity capital to assets | 9.4545% | 4,738 |
| Core capital (leverage) ratio | 8.7030% | 5,142 |
| Tier 1 risk-based capital ratio | 13.3421% | 3,968 |
| Total risk-based capital ratio | 14.4806% | 3,957 |
| Memoranda: | ||
| Average total assets | $86,156,500 | 5,597 |
| Average earning assets | $78,161,000 | 5,618 |
| Average equity | $8,589,000 | 5,853 |
| Average total loans | $48,303,500 | 5,862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6420% | 2,280 |
| Cost of funding earning assets | 2.5834% | 3,775 |
| Net interest margin | 4.0586% | 2,880 |
| Noninterest income to average assets | 0.5232% | 4,443 |
| Noninterest expense to average assets | 2.7616% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4407% | 1,140 |
| Return on assets (ROA) | 1.4407% | 1,097 |
| Pretax return on assets | 1.5031% | 1,678 |
| Return on Equity (ROE) | 13.8199% | 1,143 |
| Retained earnings to average equity (ytd only) | 8.2020% | 782 |
| Net charge-offs to loans | 0.3087% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.9655% | 2,976 |
| Efficiency ratio | 64.7543% | 5,381 |
| Assets per employee ($millions) | 4.6684% | 2,370 |
| Cash dividends to net income (ytd only)* | 40.6504% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 3,344 |
| Loan loss allowance to noncurrent loans | 285.4077% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 5,333 |
| Noncurrent loans to loans | 0.4813% | 5,901 |
| Net loans and leases to total assets | 60.1666% | 5,886 |
| Net loans and leases to deposits | 67.9251% | 6,469 |
| Net loans and leases to core deposits | 117.2700% | 2,978 |
| Total domestic deposits to total assets | 88.5778% | 1,215 |
| Equity capital to assets | 10.5717% | 3,421 |
| Core capital (leverage) ratio | 9.9105% | 3,538 |
| Tier 1 risk-based capital ratio | 13.0788% | 4,069 |
| Total risk-based capital ratio | 14.1522% | 4,088 |
| Memoranda: | ||
| Average total assets | $76,839,400 | 5,804 |
| Average earning assets | $70,837,000 | 5,784 |
| Average equity | $8,010,200 | 6,083 |
| Average total loans | $46,973,400 | 5,825 |