Home > Bank of the Southwest > Performance and Condition Ratios
Bank of the Southwest, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0219% | 329 |
| Cost of funding earning assets | 0.0350% | 4,384 |
| Net interest margin | 6.9869% | 40 |
| Noninterest income to average assets | 0.5900% | 1,381 |
| Noninterest expense to average assets | 4.9985% | 234 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 2.1646% | 349 |
| Return on assets (ROA) | 2.1646% | 357 |
| Pretax return on assets | 2.1646% | 532 |
| Return on Equity (ROE) | 22.5400% | 292 |
| Retained earnings to average equity (ytd only) | -0.3898% | 3,773 |
| Net charge-offs to loans | 0.0424% | 1,245 |
| Credit loss provision to net charge-offs | 200.0000% | 890 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 790 |
| Efficiency ratio | 69.5892% | 1,864 |
| Assets per employee ($millions) | 2.1630% | 4,318 |
| Cash dividends to net income (ytd only)* | 101.7294% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,649 |
| Loan loss allowance to noncurrent loans | 910.9489% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 1,831 |
| Noncurrent loans to loans | 0.1220% | 3,061 |
| Net loans and leases to total assets | 59.6800% | 2,908 |
| Net loans and leases to deposits | 65.8921% | 3,141 |
| Net loans and leases to core deposits | 66.0941% | 3,468 |
| Total domestic deposits to total assets | 90.5700% | 636 |
| Equity capital to assets | 9.3727% | 2,668 |
| Core capital (leverage) ratio | 9.4559% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3235% | 1,002 |
| Memoranda: | ||
| Average total assets | $181,654,000 | 3,139 |
| Average earning assets | $171,520,500 | 3,120 |
| Average equity | $17,443,500 | 3,186 |
| Average total loans | $113,330,500 | 3,096 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3665% | 267 |
| Cost of funding earning assets | 0.0267% | 4,405 |
| Net interest margin | 7.3398% | 38 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 5.0220% | 231 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 2.3583% | 249 |
| Return on assets (ROA) | 2.3583% | 251 |
| Pretax return on assets | 2.3583% | 354 |
| Return on Equity (ROE) | 24.1000% | 207 |
| Retained earnings to average equity (ytd only) | -0.2061% | 4,003 |
| Net charge-offs to loans | 0.1475% | 887 |
| Credit loss provision to net charge-offs | 129.6512% | 1,569 |
| Earnings coverage of net charge-offs (x) | 25.8430% | 1,640 |
| Efficiency ratio | 66.8482% | 2,384 |
| Assets per employee ($millions) | 2.1106% | 4,347 |
| Cash dividends to net income (ytd only)* | 100.8553% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 2,786 |
| Loan loss allowance to noncurrent loans | 792.3077% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 1,695 |
| Noncurrent loans to loans | 0.1364% | 2,977 |
| Net loans and leases to total assets | 63.8300% | 2,583 |
| Net loans and leases to deposits | 70.8278% | 2,887 |
| Net loans and leases to core deposits | 71.0551% | 3,307 |
| Total domestic deposits to total assets | 90.1200% | 782 |
| Equity capital to assets | 9.8438% | 2,225 |
| Core capital (leverage) ratio | 9.4964% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9268% | 1,072 |
| Memoranda: | ||
| Average total assets | $178,474,200 | 3,140 |
| Average earning assets | $168,574,800 | 3,104 |
| Average equity | $17,466,800 | 3,144 |
| Average total loans | $116,625,200 | 3,036 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3065% | 287 |
| Cost of funding earning assets | 0.0268% | 4,444 |
| Net interest margin | 7.2796% | 41 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 4.9388% | 239 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 2.3717% | 269 |
| Return on assets (ROA) | 2.3717% | 269 |
| Pretax return on assets | 2.3717% | 386 |
| Return on Equity (ROE) | 24.2700% | 221 |
| Retained earnings to average equity (ytd only) | 1.1829% | 3,673 |
| Net charge-offs to loans | 0.1559% | 721 |
| Credit loss provision to net charge-offs | 138.6861% | 1,354 |
| Earnings coverage of net charge-offs (x) | 24.7153% | 1,632 |
| Efficiency ratio | 66.1671% | 2,464 |
| Assets per employee ($millions) | 2.1751% | 4,376 |
| Cash dividends to net income (ytd only)* | 95.1258% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 2,919 |
| Loan loss allowance to noncurrent loans | 865.7343% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 1,682 |
| Noncurrent loans to loans | 0.1231% | 3,064 |
| Net loans and leases to total assets | 63.6300% | 2,573 |
| Net loans and leases to deposits | 70.6464% | 2,935 |
| Net loans and leases to core deposits | 70.8674% | 3,348 |
| Total domestic deposits to total assets | 90.0700% | 567 |
| Equity capital to assets | 9.7722% | 2,442 |
| Core capital (leverage) ratio | 9.3667% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1015% | 1,076 |
| Memoranda: | ||
| Average total assets | $178,770,250 | 3,133 |
| Average earning assets | $168,996,750 | 3,108 |
| Average equity | $17,470,500 | 3,146 |
| Average total loans | $117,180,500 | 3,021 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2066% | 302 |
| Cost of funding earning assets | 0.0273% | 4,456 |
| Net interest margin | 7.1793% | 46 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 4.9163% | 238 |
| Loan and lease loss provision to assets | 0.2300% | 466 |
| Net operating income to assets | 2.1955% | 341 |
| Return on assets (ROA) | 2.1955% | 338 |
| Pretax return on assets | 2.1955% | 484 |
| Return on Equity (ROE) | 22.4700% | 323 |
| Retained earnings to average equity (ytd only) | -1.3668% | 4,098 |
| Net charge-offs to loans | 0.0664% | 1,113 |
| Credit loss provision to net charge-offs | 520.5128% | 617 |
| Earnings coverage of net charge-offs (x) | 55.3590% | 1,055 |
| Efficiency ratio | 66.9827% | 2,441 |
| Assets per employee ($millions) | 2.0649% | 4,398 |
| Cash dividends to net income (ytd only)* | 106.0838% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,300 |
| Loan loss allowance to noncurrent loans | 923.9726% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,508 |
| Noncurrent loans to loans | 0.1286% | 2,999 |
| Net loans and leases to total assets | 63.1500% | 2,631 |
| Net loans and leases to deposits | 70.0654% | 2,986 |
| Net loans and leases to core deposits | 70.2863% | 3,363 |
| Total domestic deposits to total assets | 90.1300% | 670 |
| Equity capital to assets | 9.7807% | 2,209 |
| Core capital (leverage) ratio | 9.8313% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2993% | 1,031 |
| Memoranda: | ||
| Average total assets | $178,182,667 | 3,141 |
| Average earning assets | $168,539,333 | 3,114 |
| Average equity | $17,413,333 | 3,122 |
| Average total loans | $117,534,333 | 3,014 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1950% | 279 |
| Cost of funding earning assets | 0.0237% | 4,485 |
| Net interest margin | 7.1713% | 43 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 4.8095% | 247 |
| Loan and lease loss provision to assets | 0.2700% | 350 |
| Net operating income to assets | 2.2299% | 332 |
| Return on assets (ROA) | 2.2299% | 336 |
| Pretax return on assets | 2.2299% | 465 |
| Return on Equity (ROE) | 22.8300% | 295 |
| Retained earnings to average equity (ytd only) | -2.4089% | 3,965 |
| Net charge-offs to loans | 0.0234% | 1,373 |
| Credit loss provision to net charge-offs | 1,728.5714% | 232 |
| Earnings coverage of net charge-offs (x) | 159.4286% | 490 |
| Efficiency ratio | 65.7879% | 2,617 |
| Assets per employee ($millions) | 2.1230% | 4,422 |
| Cash dividends to net income (ytd only)* | 110.5528% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 2,903 |
| Loan loss allowance to noncurrent loans | 725.6983% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 1,392 |
| Noncurrent loans to loans | 0.1491% | 2,869 |
| Net loans and leases to total assets | 67.4000% | 2,080 |
| Net loans and leases to deposits | 74.8227% | 2,525 |
| Net loans and leases to core deposits | 75.0605% | 3,042 |
| Total domestic deposits to total assets | 90.0800% | 767 |
| Equity capital to assets | 9.8649% | 2,086 |
| Core capital (leverage) ratio | 9.6129% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6302% | 1,153 |
| Memoranda: | ||
| Average total assets | $178,481,500 | 3,147 |
| Average earning assets | $169,062,500 | 3,120 |
| Average equity | $17,435,500 | 3,130 |
| Average total loans | $119,557,500 | 2,996 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6416% | 303 |
| Cost of funding earning assets | 0.0240% | 4,509 |
| Net interest margin | 6.6176% | 76 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 4.3011% | 306 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.0998% | 399 |
| Return on assets (ROA) | 2.0998% | 388 |
| Pretax return on assets | 2.0998% | 570 |
| Return on Equity (ROE) | 23.8600% | 358 |
| Retained earnings to average equity (ytd only) | 8.5933% | 1,366 |
| Net charge-offs to loans | 0.1561% | 667 |
| Credit loss provision to net charge-offs | 54.0541% | 2,177 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,824 |
| Efficiency ratio | 66.6448% | 2,270 |
| Assets per employee ($millions) | 2.1777% | 4,438 |
| Cash dividends to net income (ytd only)* | 63.9798% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,340 |
| Loan loss allowance to noncurrent loans | 759.6154% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 1,378 |
| Noncurrent loans to loans | 0.1310% | 2,859 |
| Net loans and leases to total assets | 65.2100% | 2,344 |
| Net loans and leases to deposits | 72.2199% | 2,743 |
| Net loans and leases to core deposits | 72.4431% | 3,163 |
| Total domestic deposits to total assets | 90.2900% | 684 |
| Equity capital to assets | 9.6751% | 2,220 |
| Core capital (leverage) ratio | 9.3746% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4904% | 1,182 |
| Memoranda: | ||
| Average total assets | $189,065,800 | 3,060 |
| Average earning assets | $179,097,400 | 3,016 |
| Average equity | $16,640,800 | 3,123 |
| Average total loans | $118,506,600 | 2,969 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4104% | 337 |
| Cost of funding earning assets | 0.0258% | 4,537 |
| Net interest margin | 6.3847% | 80 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 4.2912% | 307 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 1.9754% | 518 |
| Return on assets (ROA) | 1.9754% | 509 |
| Pretax return on assets | 1.9754% | 776 |
| Return on Equity (ROE) | 22.9800% | 492 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,949 |
| Net charge-offs to loans | 0.1757% | 494 |
| Credit loss provision to net charge-offs | 274.3590% | 936 |
| Earnings coverage of net charge-offs (x) | 20.8974% | 1,795 |
| Efficiency ratio | 65.3634% | 2,349 |
| Assets per employee ($millions) | 2.3929% | 4,455 |
| Cash dividends to net income (ytd only)* | 64.9718% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,792 |
| Loan loss allowance to noncurrent loans | 833.5135% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 1,513 |
| Noncurrent loans to loans | 0.1579% | 2,762 |
| Net loans and leases to total assets | 58.2100% | 3,015 |
| Net loans and leases to deposits | 63.7923% | 3,282 |
| Net loans and leases to core deposits | 63.9698% | 3,524 |
| Total domestic deposits to total assets | 91.2600% | 606 |
| Equity capital to assets | 8.5845% | 2,675 |
| Core capital (leverage) ratio | 8.8021% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6128% | 1,174 |
| Memoranda: | ||
| Average total assets | $191,144,250 | 3,050 |
| Average earning assets | $181,075,250 | 3,009 |
| Average equity | $16,429,000 | 3,130 |
| Average total loans | $118,370,750 | 2,976 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2697% | 325 |
| Cost of funding earning assets | 0.0303% | 4,558 |
| Net interest margin | 6.2394% | 91 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 4.3975% | 284 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 1.7058% | 770 |
| Return on assets (ROA) | 1.7058% | 771 |
| Pretax return on assets | 1.7058% | 1,203 |
| Return on Equity (ROE) | 19.8400% | 726 |
| Retained earnings to average equity (ytd only) | 5.1658% | 2,901 |
| Net charge-offs to loans | 0.2021% | 395 |
| Credit loss provision to net charge-offs | 282.5000% | 892 |
| Earnings coverage of net charge-offs (x) | 16.2333% | 1,835 |
| Efficiency ratio | 68.0446% | 1,983 |
| Assets per employee ($millions) | 2.2653% | 4,491 |
| Cash dividends to net income (ytd only)* | 73.9590% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,350 |
| Loan loss allowance to noncurrent loans | 673.7557% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 1,249 |
| Noncurrent loans to loans | 0.1811% | 2,571 |
| Net loans and leases to total assets | 64.9000% | 2,288 |
| Net loans and leases to deposits | 71.3247% | 2,693 |
| Net loans and leases to core deposits | 71.5372% | 3,038 |
| Total domestic deposits to total assets | 90.9900% | 652 |
| Equity capital to assets | 8.8704% | 2,609 |
| Core capital (leverage) ratio | 8.9401% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4642% | 1,434 |
| Memoranda: | ||
| Average total assets | $188,654,667 | 3,072 |
| Average earning assets | $178,510,667 | 3,037 |
| Average equity | $16,222,000 | 3,170 |
| Average total loans | $118,773,333 | 2,967 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 265 |
| Cost of funding earning assets | 0.0378% | 4,593 |
| Net interest margin | 6.0974% | 92 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 4.4607% | 280 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.5213% | 1,142 |
| Return on assets (ROA) | 1.5213% | 1,123 |
| Pretax return on assets | 1.5213% | 1,624 |
| Return on Equity (ROE) | 17.9700% | 1,033 |
| Retained earnings to average equity (ytd only) | 1.8143% | 3,733 |
| Net charge-offs to loans | 0.1810% | 398 |
| Credit loss provision to net charge-offs | 194.3396% | 840 |
| Earnings coverage of net charge-offs (x) | 15.5849% | 1,539 |
| Efficiency ratio | 71.9620% | 1,534 |
| Assets per employee ($millions) | 2.3122% | 4,558 |
| Cash dividends to net income (ytd only)* | 89.9032% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,957 |
| Loan loss allowance to noncurrent loans | 1,552.9412% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,464 |
| Noncurrent loans to loans | 0.0721% | 3,216 |
| Net loans and leases to total assets | 62.2300% | 2,444 |
| Net loans and leases to deposits | 68.1325% | 2,756 |
| Net loans and leases to core deposits | 68.3330% | 3,069 |
| Total domestic deposits to total assets | 91.3400% | 692 |
| Equity capital to assets | 8.6129% | 2,810 |
| Core capital (leverage) ratio | 8.3970% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4651% | 1,505 |
| Memoranda: | ||
| Average total assets | $190,106,000 | 3,101 |
| Average earning assets | $179,945,500 | 3,065 |
| Average equity | $16,094,500 | 3,207 |
| Average total loans | $117,139,000 | 3,011 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 470 |
| Cost of funding earning assets | 0.0737% | 4,497 |
| Net interest margin | 4.6723% | 217 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 3.9625% | 342 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.9513% | 2,766 |
| Return on assets (ROA) | 0.9513% | 2,713 |
| Pretax return on assets | 0.9513% | 3,218 |
| Return on Equity (ROE) | 12.4600% | 1,990 |
| Retained earnings to average equity (ytd only) | 8.6314% | 1,591 |
| Net charge-offs to loans | 0.0729% | 916 |
| Credit loss provision to net charge-offs | -172.4138% | 4,597 |
| Earnings coverage of net charge-offs (x) | 19.9655% | 1,897 |
| Efficiency ratio | 81.9006% | 602 |
| Assets per employee ($millions) | 2.3244% | 4,594 |
| Cash dividends to net income (ytd only)* | 30.7366% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 2,940 |
| Loan loss allowance to noncurrent loans | 1,282.8283% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,352 |
| Noncurrent loans to loans | 0.0850% | 3,147 |
| Net loans and leases to total assets | 59.6800% | 2,664 |
| Net loans and leases to deposits | 66.7244% | 2,841 |
| Net loans and leases to core deposits | 66.9191% | 3,068 |
| Total domestic deposits to total assets | 89.4400% | 1,584 |
| Equity capital to assets | 8.3235% | 2,833 |
| Core capital (leverage) ratio | 8.0772% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5340% | 1,467 |
| Memoranda: | ||
| Average total assets | $198,359,000 | 3,053 |
| Average earning assets | $187,231,600 | 3,018 |
| Average equity | $15,142,400 | 3,356 |
| Average total loans | $119,286,600 | 2,927 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 606 |
| Cost of funding earning assets | 0.0736% | 4,465 |
| Net interest margin | 4.3068% | 330 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.9321% | 344 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 0.7771% | 3,332 |
| Return on assets (ROA) | 0.7771% | 3,285 |
| Pretax return on assets | 0.7771% | 3,638 |
| Return on Equity (ROE) | 10.4100% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.1879% | 2,302 |
| Net charge-offs to loans | 0.0556% | 928 |
| Credit loss provision to net charge-offs | -516.0000% | 4,696 |
| Earnings coverage of net charge-offs (x) | 18.1200% | 1,771 |
| Efficiency ratio | 86.6686% | 435 |
| Assets per employee ($millions) | 2.6018% | 4,610 |
| Cash dividends to net income (ytd only)* | 30.9278% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,472 |
| Loan loss allowance to noncurrent loans | 1,289.2473% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 824 |
| Noncurrent loans to loans | 0.0777% | 3,320 |
| Net loans and leases to total assets | 58.3700% | 2,657 |
| Net loans and leases to deposits | 64.7484% | 2,806 |
| Net loans and leases to core deposits | 64.9266% | 3,035 |
| Total domestic deposits to total assets | 90.1500% | 1,597 |
| Equity capital to assets | 7.6648% | 3,115 |
| Core capital (leverage) ratio | 7.7240% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7668% | 1,780 |
| Memoranda: | ||
| Average total assets | $199,717,750 | 3,070 |
| Average earning assets | $188,473,750 | 3,029 |
| Average equity | $14,913,500 | 3,412 |
| Average total loans | $120,007,500 | 2,926 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 656 |
| Cost of funding earning assets | 0.0747% | 4,424 |
| Net interest margin | 4.1087% | 386 |
| Noninterest income to average assets | 0.4621% | 2,388 |
| Noninterest expense to average assets | 3.9619% | 288 |
| Loan and lease loss provision to assets | -0.2749% | 4,715 |
| Net operating income to assets | 0.6504% | 3,470 |
| Return on assets (ROA) | 0.6504% | 3,420 |
| Pretax return on assets | 0.6504% | 3,716 |
| Return on Equity (ROE) | 8.7893% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.8912% | 3,122 |
| Net charge-offs to loans | 0.0533% | 859 |
| Credit loss provision to net charge-offs | -853.1250% | 3,504 |
| Earnings coverage of net charge-offs (x) | 11.6563% | 1,725 |
| Efficiency ratio | 91.3417% | 358 |
| Assets per employee ($millions) | 2.5000% | 4,669 |
| Cash dividends to net income (ytd only)* | 55.7276% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,587 |
| Loan loss allowance to noncurrent loans | 985.2459% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 798 |
| Noncurrent loans to loans | 0.1016% | 3,247 |
| Net loans and leases to total assets | 60.9388% | 2,225 |
| Net loans and leases to deposits | 67.6951% | 2,409 |
| Net loans and leases to core deposits | 67.8889% | 2,662 |
| Total domestic deposits to total assets | 90.0194% | 1,699 |
| Equity capital to assets | 7.7113% | 3,339 |
| Core capital (leverage) ratio | 7.5739% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3969% | 1,902 |
| Memoranda: | ||
| Average total assets | $198,643,000 | 3,106 |
| Average earning assets | $187,356,667 | 3,082 |
| Average equity | $14,699,667 | 3,527 |
| Average total loans | $120,125,667 | 2,943 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 766 |
| Cost of funding earning assets | 0.0783% | 4,375 |
| Net interest margin | 3.9264% | 471 |
| Noninterest income to average assets | 0.3951% | 2,721 |
| Noninterest expense to average assets | 3.8351% | 311 |
| Loan and lease loss provision to assets | -0.5747% | 4,769 |
| Net operating income to assets | 0.8381% | 2,527 |
| Return on assets (ROA) | 0.8381% | 2,521 |
| Pretax return on assets | 0.8381% | 2,984 |
| Return on Equity (ROE) | 11.5615% | 1,432 |
| Retained earnings to average equity (ytd only) | 1.6516% | 3,642 |
| Net charge-offs to loans | 0.0632% | 695 |
| Credit loss provision to net charge-offs | -1,515.7895% | 3,344 |
| Earnings coverage of net charge-offs (x) | 6.9474% | 1,554 |
| Efficiency ratio | 93.5735% | 402 |
| Assets per employee ($millions) | 2.6619% | 4,687 |
| Cash dividends to net income (ytd only)* | 85.7143% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,659 |
| Loan loss allowance to noncurrent loans | 1,025.6410% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 874 |
| Noncurrent loans to loans | 0.0989% | 3,348 |
| Net loans and leases to total assets | 58.6627% | 2,219 |
| Net loans and leases to deposits | 64.9151% | 2,441 |
| Net loans and leases to core deposits | 65.0959% | 2,713 |
| Total domestic deposits to total assets | 90.3683% | 1,347 |
| Equity capital to assets | 7.4187% | 3,980 |
| Core capital (leverage) ratio | 7.3054% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5462% | 1,971 |
| Memoranda: | ||
| Average total assets | $200,465,000 | 3,099 |
| Average earning assets | $189,077,000 | 3,085 |
| Average equity | $14,531,000 | 3,602 |
| Average total loans | $120,172,500 | 2,942 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 895 |
| Cost of funding earning assets | 0.1049% | 4,352 |
| Net interest margin | 4.1635% | 520 |
| Noninterest income to average assets | 0.6192% | 2,079 |
| Noninterest expense to average assets | 3.6287% | 414 |
| Loan and lease loss provision to assets | 0.0262% | 2,536 |
| Net operating income to assets | 0.8751% | 3,123 |
| Return on assets (ROA) | 0.8751% | 3,185 |
| Pretax return on assets | 0.8751% | 3,558 |
| Return on Equity (ROE) | 12.4135% | 1,685 |
| Retained earnings to average equity (ytd only) | 0.3019% | 4,414 |
| Net charge-offs to loans | 0.0334% | 1,565 |
| Credit loss provision to net charge-offs | 123.2558% | 1,629 |
| Earnings coverage of net charge-offs (x) | 42.3488% | 1,401 |
| Efficiency ratio | 80.1027% | 797 |
| Assets per employee ($millions) | 2.7201% | 4,726 |
| Cash dividends to net income (ytd only)* | 97.5679% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,710 |
| Loan loss allowance to noncurrent loans | 1,321.9298% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 902 |
| Noncurrent loans to loans | 0.0934% | 3,456 |
| Net loans and leases to total assets | 59.8757% | 2,172 |
| Net loans and leases to deposits | 66.0069% | 2,514 |
| Net loans and leases to core deposits | 66.2894% | 2,794 |
| Total domestic deposits to total assets | 90.7113% | 620 |
| Equity capital to assets | 7.0799% | 4,706 |
| Core capital (leverage) ratio | 6.9502% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6100% | 2,016 |
| Memoranda: | ||
| Average total assets | $202,030,600 | 3,050 |
| Average earning assets | $189,767,600 | 3,032 |
| Average equity | $14,242,600 | 3,711 |
| Average total loans | $128,689,400 | 2,869 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 860 |
| Cost of funding earning assets | 0.1075% | 4,443 |
| Net interest margin | 4.2586% | 494 |
| Noninterest income to average assets | 0.6448% | 2,030 |
| Noninterest expense to average assets | 3.7022% | 371 |
| Loan and lease loss provision to assets | 0.0529% | 1,928 |
| Net operating income to assets | 0.8862% | 3,287 |
| Return on assets (ROA) | 0.8862% | 3,361 |
| Pretax return on assets | 0.8862% | 3,724 |
| Return on Equity (ROE) | 12.5835% | 1,834 |
| Retained earnings to average equity (ytd only) | 0.4120% | 4,505 |
| Net charge-offs to loans | 0.0327% | 1,410 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,297 |
| Efficiency ratio | 79.7699% | 760 |
| Assets per employee ($millions) | 2.6602% | 4,801 |
| Cash dividends to net income (ytd only)* | 96.7262% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 3,020 |
| Loan loss allowance to noncurrent loans | 1,955.6962% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 1,081 |
| Noncurrent loans to loans | 0.0610% | 3,796 |
| Net loans and leases to total assets | 60.8737% | 2,148 |
| Net loans and leases to deposits | 66.9223% | 2,551 |
| Net loans and leases to core deposits | 67.3727% | 2,828 |
| Total domestic deposits to total assets | 90.9618% | 380 |
| Equity capital to assets | 6.7817% | 4,846 |
| Core capital (leverage) ratio | 7.0507% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2201% | 2,289 |
| Memoranda: | ||
| Average total assets | $202,216,500 | 3,085 |
| Average earning assets | $189,759,750 | 3,066 |
| Average equity | $14,240,500 | 3,761 |
| Average total loans | $130,354,500 | 2,886 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 688 |
| Cost of funding earning assets | 0.1091% | 4,516 |
| Net interest margin | 4.4301% | 398 |
| Noninterest income to average assets | 0.5191% | 2,532 |
| Noninterest expense to average assets | 3.7090% | 362 |
| Loan and lease loss provision to assets | 0.0551% | 1,930 |
| Net operating income to assets | 0.9059% | 3,201 |
| Return on assets (ROA) | 0.9059% | 3,277 |
| Pretax return on assets | 0.9059% | 3,647 |
| Return on Equity (ROE) | 12.6996% | 1,820 |
| Retained earnings to average equity (ytd only) | 0.6181% | 4,411 |
| Net charge-offs to loans | -0.0092% | 3,639 |
| Credit loss provision to net charge-offs | -916.6667% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4206% | 822 |
| Assets per employee ($millions) | 2.6579% | 4,837 |
| Cash dividends to net income (ytd only)* | 95.1327% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,791 |
| Loan loss allowance to noncurrent loans | 3,994.8718% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,118 |
| Noncurrent loans to loans | 0.0307% | 4,050 |
| Net loans and leases to total assets | 62.1524% | 2,160 |
| Net loans and leases to deposits | 68.5895% | 2,558 |
| Net loans and leases to core deposits | 68.9784% | 2,863 |
| Total domestic deposits to total assets | 90.6149% | 510 |
| Equity capital to assets | 7.0554% | 4,834 |
| Core capital (leverage) ratio | 7.1986% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5961% | 2,124 |
| Memoranda: | ||
| Average total assets | $199,571,000 | 3,106 |
| Average earning assets | $186,993,333 | 3,090 |
| Average equity | $14,236,667 | 3,770 |
| Average total loans | $130,648,333 | 2,892 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 534 |
| Cost of funding earning assets | 0.1076% | 4,607 |
| Net interest margin | 4.6361% | 299 |
| Noninterest income to average assets | 0.4981% | 2,622 |
| Noninterest expense to average assets | 3.7508% | 347 |
| Loan and lease loss provision to assets | 0.1795% | 688 |
| Net operating income to assets | 0.9115% | 3,102 |
| Return on assets (ROA) | 0.9115% | 3,177 |
| Pretax return on assets | 0.9115% | 3,578 |
| Return on Equity (ROE) | 12.7064% | 1,750 |
| Retained earnings to average equity (ytd only) | 1.1807% | 4,188 |
| Net charge-offs to loans | -0.0121% | 3,749 |
| Credit loss provision to net charge-offs | -2,225.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4677% | 1,001 |
| Assets per employee ($millions) | 2.7676% | 4,846 |
| Cash dividends to net income (ytd only)* | 90.7080% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,940 |
| Loan loss allowance to noncurrent loans | 2,523.8095% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 1,254 |
| Noncurrent loans to loans | 0.0475% | 4,048 |
| Net loans and leases to total assets | 63.9458% | 2,049 |
| Net loans and leases to deposits | 70.4591% | 2,465 |
| Net loans and leases to core deposits | 70.8521% | 2,798 |
| Total domestic deposits to total assets | 90.7560% | 492 |
| Equity capital to assets | 6.9579% | 4,856 |
| Core capital (leverage) ratio | 7.2865% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2281% | 2,197 |
| Memoranda: | ||
| Average total assets | $198,355,500 | 3,103 |
| Average earning assets | $185,844,500 | 3,089 |
| Average equity | $14,229,000 | 3,776 |
| Average total loans | $132,419,000 | 2,873 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6346% | 147 |
| Cost of funding earning assets | 0.1208% | 4,812 |
| Net interest margin | 5.5138% | 62 |
| Noninterest income to average assets | 0.4817% | 2,716 |
| Noninterest expense to average assets | 4.4201% | 269 |
| Loan and lease loss provision to assets | 0.1962% | 1,990 |
| Net operating income to assets | 0.9805% | 2,354 |
| Return on assets (ROA) | 0.9805% | 2,503 |
| Pretax return on assets | 0.9805% | 3,104 |
| Return on Equity (ROE) | 12.1134% | 1,295 |
| Retained earnings to average equity (ytd only) | -0.7307% | 4,613 |
| Net charge-offs to loans | 0.1205% | 1,286 |
| Credit loss provision to net charge-offs | 214.2857% | 2,092 |
| Earnings coverage of net charge-offs (x) | 12.8509% | 2,311 |
| Efficiency ratio | 78.9757% | 963 |
| Assets per employee ($millions) | 2.6654% | 4,874 |
| Cash dividends to net income (ytd only)* | 106.0325% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,298 |
| Loan loss allowance to noncurrent loans | 10,692.8571% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 1,349 |
| Noncurrent loans to loans | 0.0106% | 4,336 |
| Net loans and leases to total assets | 68.1514% | 1,810 |
| Net loans and leases to deposits | 75.5969% | 2,320 |
| Net loans and leases to core deposits | 75.8292% | 2,743 |
| Total domestic deposits to total assets | 90.1510% | 505 |
| Equity capital to assets | 7.4035% | 4,857 |
| Core capital (leverage) ratio | 7.3968% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4319% | 1,704 |
| Memoranda: | ||
| Average total assets | $175,832,200 | 3,144 |
| Average earning assets | $163,118,200 | 3,136 |
| Average equity | $14,232,200 | 3,726 |
| Average total loans | $133,563,000 | 2,822 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0032% | 111 |
| Cost of funding earning assets | 0.1232% | 4,870 |
| Net interest margin | 5.8799% | 52 |
| Noninterest income to average assets | 0.4749% | 2,717 |
| Noninterest expense to average assets | 4.6701% | 221 |
| Loan and lease loss provision to assets | 0.2282% | 1,779 |
| Net operating income to assets | 1.0189% | 2,263 |
| Return on assets (ROA) | 1.0189% | 2,393 |
| Pretax return on assets | 1.0189% | 2,999 |
| Return on Equity (ROE) | 12.2952% | 1,300 |
| Retained earnings to average equity (ytd only) | -1.4515% | 4,659 |
| Net charge-offs to loans | 0.0876% | 1,425 |
| Credit loss provision to net charge-offs | 334.0909% | 1,653 |
| Earnings coverage of net charge-offs (x) | 18.2614% | 1,966 |
| Efficiency ratio | 78.9246% | 948 |
| Assets per employee ($millions) | 2.5375% | 4,921 |
| Cash dividends to net income (ytd only)* | 111.8050% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,231 |
| Loan loss allowance to noncurrent loans | 2,490.1639% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 1,352 |
| Noncurrent loans to loans | 0.0440% | 4,209 |
| Net loans and leases to total assets | 72.0030% | 1,666 |
| Net loans and leases to deposits | 80.0447% | 2,310 |
| Net loans and leases to core deposits | 80.2929% | 2,819 |
| Total domestic deposits to total assets | 89.9534% | 441 |
| Equity capital to assets | 7.4393% | 4,873 |
| Core capital (leverage) ratio | 7.4981% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1356% | 2,137 |
| Memoranda: | ||
| Average total assets | $171,813,250 | 3,161 |
| Average earning assets | $159,023,000 | 3,161 |
| Average equity | $14,238,250 | 3,729 |
| Average total loans | $133,882,500 | 2,827 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6357% | 77 |
| Cost of funding earning assets | 0.1387% | 4,909 |
| Net interest margin | 6.4971% | 45 |
| Noninterest income to average assets | 0.4479% | 2,815 |
| Noninterest expense to average assets | 4.9612% | 197 |
| Loan and lease loss provision to assets | 0.3586% | 1,177 |
| Net operating income to assets | 1.1241% | 1,891 |
| Return on assets (ROA) | 1.1241% | 2,009 |
| Pretax return on assets | 1.1241% | 2,638 |
| Return on Equity (ROE) | 13.0529% | 1,084 |
| Retained earnings to average equity (ytd only) | 0.4627% | 4,220 |
| Net charge-offs to loans | 0.0877% | 1,372 |
| Credit loss provision to net charge-offs | 512.0690% | 1,213 |
| Earnings coverage of net charge-offs (x) | 21.1724% | 1,662 |
| Efficiency ratio | 76.9908% | 1,157 |
| Assets per employee ($millions) | 2.2611% | 4,975 |
| Cash dividends to net income (ytd only)* | 96.4554% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,092 |
| Loan loss allowance to noncurrent loans | 715.2074% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 1,213 |
| Noncurrent loans to loans | 0.1531% | 3,847 |
| Net loans and leases to total assets | 77.4825% | 921 |
| Net loans and leases to deposits | 86.7140% | 1,694 |
| Net loans and leases to core deposits | 87.1340% | 2,338 |
| Total domestic deposits to total assets | 89.3541% | 625 |
| Equity capital to assets | 7.9304% | 4,753 |
| Core capital (leverage) ratio | 8.2019% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9494% | 2,203 |
| Memoranda: | ||
| Average total assets | $165,646,667 | 3,195 |
| Average earning assets | $152,869,000 | 3,195 |
| Average equity | $14,265,000 | 3,731 |
| Average total loans | $132,326,667 | 2,835 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 120 |
| Cost of funding earning assets | 0.1322% | 4,999 |
| Net interest margin | 6.1087% | 53 |
| Noninterest income to average assets | 0.5316% | 2,380 |
| Noninterest expense to average assets | 5.2371% | 197 |
| Loan and lease loss provision to assets | -0.0127% | 5,047 |
| Net operating income to assets | 0.9214% | 2,452 |
| Return on assets (ROA) | 0.9214% | 2,560 |
| Pretax return on assets | 0.9214% | 3,077 |
| Return on Equity (ROE) | 10.2355% | 1,666 |
| Retained earnings to average equity (ytd only) | -4.8928% | 4,511 |
| Net charge-offs to loans | 0.1097% | 1,037 |
| Credit loss provision to net charge-offs | -14.2857% | 3,094 |
| Earnings coverage of net charge-offs (x) | 10.2571% | 1,775 |
| Efficiency ratio | 85.2142% | 757 |
| Assets per employee ($millions) | 1.9140% | 5,030 |
| Cash dividends to net income (ytd only)* | 147.8022% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,671 |
| Loan loss allowance to noncurrent loans | 382.2823% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1910% | 1,050 |
| Noncurrent loans to loans | 0.2634% | 3,550 |
| Net loans and leases to total assets | 78.7922% | 861 |
| Net loans and leases to deposits | 89.5050% | 1,574 |
| Net loans and leases to core deposits | 90.0057% | 2,343 |
| Total domestic deposits to total assets | 88.0310% | 1,096 |
| Equity capital to assets | 8.8996% | 4,656 |
| Core capital (leverage) ratio | 8.9090% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4505% | 2,506 |
| Memoranda: | ||
| Average total assets | $158,027,000 | 3,233 |
| Average earning assets | $145,235,500 | 3,235 |
| Average equity | $14,225,000 | 3,746 |
| Average total loans | $127,636,500 | 2,860 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8146% | 77 |
| Cost of funding earning assets | 0.1462% | 5,053 |
| Net interest margin | 6.6685% | 44 |
| Noninterest income to average assets | 0.5963% | 2,240 |
| Noninterest expense to average assets | 5.0985% | 201 |
| Loan and lease loss provision to assets | 0.2303% | 833 |
| Net operating income to assets | 1.3694% | 1,447 |
| Return on assets (ROA) | 1.3694% | 1,526 |
| Pretax return on assets | 1.3694% | 2,271 |
| Return on Equity (ROE) | 14.6946% | 749 |
| Retained earnings to average equity (ytd only) | 0.3780% | 4,584 |
| Net charge-offs to loans | 0.2187% | 935 |
| Credit loss provision to net charge-offs | 125.1773% | 2,039 |
| Earnings coverage of net charge-offs (x) | 8.6950% | 2,740 |
| Efficiency ratio | 76.1177% | 1,349 |
| Assets per employee ($millions) | 1.9170% | 5,090 |
| Cash dividends to net income (ytd only)* | 97.4273% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,389 |
| Loan loss allowance to noncurrent loans | 412.8931% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 953 |
| Noncurrent loans to loans | 0.2468% | 3,566 |
| Net loans and leases to total assets | 81.1213% | 660 |
| Net loans and leases to deposits | 92.4311% | 1,319 |
| Net loans and leases to core deposits | 92.9546% | 2,166 |
| Total domestic deposits to total assets | 87.7641% | 1,243 |
| Equity capital to assets | 9.1047% | 4,635 |
| Core capital (leverage) ratio | 9.1238% | 4,429 |
| Tier 1 risk-based capital ratio | 12.2843% | 4,193 |
| Total risk-based capital ratio | 13.4148% | 4,155 |
| Memoranda: | ||
| Average total assets | $153,279,200 | 3,256 |
| Average earning assets | $140,257,200 | 3,274 |
| Average equity | $14,284,200 | 3,713 |
| Average total loans | $128,946,800 | 2,833 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8657% | 77 |
| Cost of funding earning assets | 0.1494% | 5,123 |
| Net interest margin | 6.7162% | 43 |
| Noninterest income to average assets | 0.5892% | 2,269 |
| Noninterest expense to average assets | 5.1353% | 194 |
| Loan and lease loss provision to assets | 0.2311% | 731 |
| Net operating income to assets | 1.3604% | 1,613 |
| Return on assets (ROA) | 1.3604% | 1,679 |
| Pretax return on assets | 1.3604% | 2,462 |
| Return on Equity (ROE) | 14.5122% | 886 |
| Retained earnings to average equity (ytd only) | 0.7845% | 4,610 |
| Net charge-offs to loans | 0.2119% | 835 |
| Credit loss provision to net charge-offs | 128.7805% | 1,837 |
| Earnings coverage of net charge-offs (x) | 8.8682% | 2,616 |
| Efficiency ratio | 76.3404% | 1,290 |
| Assets per employee ($millions) | 1.9289% | 5,172 |
| Cash dividends to net income (ytd only)* | 94.5945% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,511 |
| Loan loss allowance to noncurrent loans | 4,646.4286% | 156 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 1,149 |
| Noncurrent loans to loans | 0.0218% | 4,578 |
| Net loans and leases to total assets | 81.5456% | 624 |
| Net loans and leases to deposits | 93.0541% | 1,315 |
| Net loans and leases to core deposits | 93.4130% | 2,233 |
| Total domestic deposits to total assets | 87.6324% | 1,203 |
| Equity capital to assets | 9.1795% | 4,677 |
| Core capital (leverage) ratio | 9.3559% | 4,318 |
| Tier 1 risk-based capital ratio | 12.4183% | 4,191 |
| Total risk-based capital ratio | 13.5474% | 4,141 |
| Memoranda: | ||
| Average total assets | $152,300,750 | 3,299 |
| Average earning assets | $139,181,750 | 3,324 |
| Average equity | $14,277,250 | 3,744 |
| Average total loans | $128,976,000 | 2,868 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9049% | 78 |
| Cost of funding earning assets | 0.1568% | 5,151 |
| Net interest margin | 6.7480% | 44 |
| Noninterest income to average assets | 0.6199% | 2,067 |
| Noninterest expense to average assets | 5.1594% | 201 |
| Loan and lease loss provision to assets | 0.3192% | 420 |
| Net operating income to assets | 1.2968% | 1,783 |
| Return on assets (ROA) | 1.2968% | 1,844 |
| Pretax return on assets | 1.2968% | 2,570 |
| Return on Equity (ROE) | 13.7349% | 1,043 |
| Retained earnings to average equity (ytd only) | 0.4770% | 4,574 |
| Net charge-offs to loans | 0.1906% | 869 |
| Credit loss provision to net charge-offs | 195.9350% | 1,238 |
| Earnings coverage of net charge-offs (x) | 9.9187% | 2,307 |
| Efficiency ratio | 76.1486% | 1,378 |
| Assets per employee ($millions) | 1.8404% | 5,223 |
| Cash dividends to net income (ytd only)* | 96.5271% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,384 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 1,061 |
| Noncurrent loans to loans | 0.0245% | 4,601 |
| Net loans and leases to total assets | 85.6028% | 245 |
| Net loans and leases to deposits | 98.1209% | 832 |
| Net loans and leases to core deposits | 98.5137% | 1,845 |
| Total domestic deposits to total assets | 87.2421% | 1,470 |
| Equity capital to assets | 9.4705% | 4,428 |
| Core capital (leverage) ratio | 9.5276% | 4,118 |
| Tier 1 risk-based capital ratio | 12.1596% | 4,321 |
| Total risk-based capital ratio | 13.3184% | 4,265 |
| Memoranda: | ||
| Average total assets | $150,988,000 | 3,340 |
| Average earning assets | $137,729,000 | 3,362 |
| Average equity | $14,255,670 | 3,757 |
| Average total loans | $129,065,670 | 2,880 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6687% | 99 |
| Cost of funding earning assets | 0.1713% | 5,176 |
| Net interest margin | 6.4974% | 52 |
| Noninterest income to average assets | 0.5959% | 2,067 |
| Noninterest expense to average assets | 4.8813% | 223 |
| Loan and lease loss provision to assets | 0.4397% | 249 |
| Net operating income to assets | 1.2024% | 2,044 |
| Return on assets (ROA) | 1.2024% | 2,096 |
| Pretax return on assets | 1.2024% | 2,791 |
| Return on Equity (ROE) | 12.7550% | 1,298 |
| Retained earnings to average equity (ytd only) | -1.1519% | 4,668 |
| Net charge-offs to loans | 0.2026% | 691 |
| Credit loss provision to net charge-offs | 255.3846% | 911 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,018 |
| Efficiency ratio | 74.8274% | 1,634 |
| Assets per employee ($millions) | 1.8330% | 5,284 |
| Cash dividends to net income (ytd only)* | 109.0308% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,455 |
| Loan loss allowance to noncurrent loans | 143.9443% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8977% | 541 |
| Noncurrent loans to loans | 0.7236% | 2,212 |
| Net loans and leases to total assets | 82.8748% | 485 |
| Net loans and leases to deposits | 94.6042% | 1,100 |
| Net loans and leases to core deposits | 94.9738% | 2,031 |
| Total domestic deposits to total assets | 87.6016% | 1,515 |
| Equity capital to assets | 9.2335% | 4,497 |
| Core capital (leverage) ratio | 9.4922% | 4,140 |
| Tier 1 risk-based capital ratio | 12.4544% | 4,201 |
| Total risk-based capital ratio | 13.6371% | 4,107 |
| Memoranda: | ||
| Average total assets | $151,026,500 | 3,376 |
| Average earning assets | $137,778,000 | 3,397 |
| Average equity | $14,237,500 | 3,768 |
| Average total loans | $128,326,500 | 2,923 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5949% | 82 |
| Cost of funding earning assets | 0.1414% | 5,199 |
| Net interest margin | 6.4535% | 52 |
| Noninterest income to average assets | 0.5798% | 2,400 |
| Noninterest expense to average assets | 5.2689% | 176 |
| Loan and lease loss provision to assets | 0.2219% | 810 |
| Net operating income to assets | 0.9633% | 3,164 |
| Return on assets (ROA) | 0.9633% | 3,165 |
| Pretax return on assets | 0.9633% | 3,721 |
| Return on Equity (ROE) | 10.1870% | 2,448 |
| Retained earnings to average equity (ytd only) | 1.3540% | 4,590 |
| Net charge-offs to loans | 0.2222% | 874 |
| Credit loss provision to net charge-offs | 118.2143% | 2,195 |
| Earnings coverage of net charge-offs (x) | 6.3143% | 3,099 |
| Efficiency ratio | 81.6369% | 828 |
| Assets per employee ($millions) | 1.7629% | 5,330 |
| Cash dividends to net income (ytd only)* | 86.7084% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,848 |
| Loan loss allowance to noncurrent loans | 421.0169% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3709% | 906 |
| Noncurrent loans to loans | 0.2310% | 3,758 |
| Net loans and leases to total assets | 85.4019% | 277 |
| Net loans and leases to deposits | 102.0044% | 593 |
| Net loans and leases to core deposits | 102.4373% | 1,547 |
| Total domestic deposits to total assets | 83.7238% | 3,074 |
| Equity capital to assets | 9.6285% | 4,022 |
| Core capital (leverage) ratio | 9.5859% | 4,017 |
| Tier 1 risk-based capital ratio | 12.8723% | 3,922 |
| Total risk-based capital ratio | 14.0279% | 3,855 |
| Memoranda: | ||
| Average total assets | $149,177,400 | 3,396 |
| Average earning assets | $135,787,200 | 3,416 |
| Average equity | $14,106,200 | 3,735 |
| Average total loans | $125,996,200 | 2,927 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5246% | 85 |
| Cost of funding earning assets | 0.1412% | 5,245 |
| Net interest margin | 6.3835% | 56 |
| Noninterest income to average assets | 0.5603% | 2,517 |
| Noninterest expense to average assets | 5.2876% | 176 |
| Loan and lease loss provision to assets | 0.2436% | 646 |
| Net operating income to assets | 0.8386% | 3,780 |
| Return on assets (ROA) | 0.8386% | 3,785 |
| Pretax return on assets | 0.8386% | 4,198 |
| Return on Equity (ROE) | 8.9087% | 3,124 |
| Retained earnings to average equity (ytd only) | -0.1422% | 5,053 |
| Net charge-offs to loans | 0.2506% | 675 |
| Credit loss provision to net charge-offs | 115.6780% | 2,045 |
| Earnings coverage of net charge-offs (x) | 5.1398% | 2,985 |
| Efficiency ratio | 83.0112% | 703 |
| Assets per employee ($millions) | 1.8075% | 5,396 |
| Cash dividends to net income (ytd only)* | 101.5958% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,909 |
| Loan loss allowance to noncurrent loans | 360.1173% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 674 |
| Noncurrent loans to loans | 0.2712% | 3,716 |
| Net loans and leases to total assets | 81.9936% | 718 |
| Net loans and leases to deposits | 93.7488% | 1,402 |
| Net loans and leases to core deposits | 94.1195% | 2,277 |
| Total domestic deposits to total assets | 87.4609% | 1,507 |
| Equity capital to assets | 9.2551% | 4,316 |
| Core capital (leverage) ratio | 9.2373% | 4,476 |
| Tier 1 risk-based capital ratio | 12.8254% | 4,002 |
| Total risk-based capital ratio | 13.9736% | 3,964 |
| Memoranda: | ||
| Average total assets | $149,451,500 | 3,428 |
| Average earning assets | $136,015,000 | 3,452 |
| Average equity | $14,068,250 | 3,767 |
| Average total loans | $125,568,750 | 2,959 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5074% | 80 |
| Cost of funding earning assets | 0.1419% | 5,277 |
| Net interest margin | 6.3655% | 54 |
| Noninterest income to average assets | 0.5274% | 2,710 |
| Noninterest expense to average assets | 5.2483% | 185 |
| Loan and lease loss provision to assets | 0.2018% | 846 |
| Net operating income to assets | 0.8704% | 3,581 |
| Return on assets (ROA) | 0.8704% | 3,584 |
| Pretax return on assets | 0.8704% | 4,054 |
| Return on Equity (ROE) | 9.1945% | 2,935 |
| Retained earnings to average equity (ytd only) | -0.1137% | 4,973 |
| Net charge-offs to loans | 0.2055% | 773 |
| Credit loss provision to net charge-offs | 116.2791% | 1,828 |
| Earnings coverage of net charge-offs (x) | 6.1783% | 2,652 |
| Efficiency ratio | 83.0353% | 757 |
| Assets per employee ($millions) | 1.7723% | 5,462 |
| Cash dividends to net income (ytd only)* | 101.2365% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,061 |
| Loan loss allowance to noncurrent loans | 133.0406% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 2.3487% | 386 |
| Noncurrent loans to loans | 0.7219% | 2,307 |
| Net loans and leases to total assets | 84.9642% | 359 |
| Net loans and leases to deposits | 97.6247% | 991 |
| Net loans and leases to core deposits | 98.0244% | 1,893 |
| Total domestic deposits to total assets | 87.0314% | 1,829 |
| Equity capital to assets | 9.5573% | 4,044 |
| Core capital (leverage) ratio | 9.4565% | 4,166 |
| Tier 1 risk-based capital ratio | 12.5815% | 4,132 |
| Total risk-based capital ratio | 13.7145% | 4,103 |
| Memoranda: | ||
| Average total assets | $148,659,000 | 3,455 |
| Average earning assets | $135,292,000 | 3,482 |
| Average equity | $14,073,670 | 3,786 |
| Average total loans | $125,519,000 | 2,975 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 85 |
| Cost of funding earning assets | 0.1354% | 5,337 |
| Net interest margin | 6.2258% | 57 |
| Noninterest income to average assets | 0.5701% | 2,424 |
| Noninterest expense to average assets | 4.9921% | 222 |
| Loan and lease loss provision to assets | 0.3212% | 391 |
| Net operating income to assets | 0.9181% | 3,213 |
| Return on assets (ROA) | 0.9181% | 3,225 |
| Pretax return on assets | 0.9181% | 3,788 |
| Return on Equity (ROE) | 9.7436% | 2,567 |
| Retained earnings to average equity (ytd only) | 0.7954% | 4,666 |
| Net charge-offs to loans | 0.1757% | 832 |
| Credit loss provision to net charge-offs | 218.1818% | 988 |
| Earnings coverage of net charge-offs (x) | 8.4182% | 2,034 |
| Efficiency ratio | 80.1117% | 1,126 |
| Assets per employee ($millions) | 1.7765% | 5,525 |
| Cash dividends to net income (ytd only)* | 91.8367% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 4,004 |
| Loan loss allowance to noncurrent loans | 159.7964% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 2.3133% | 433 |
| Noncurrent loans to loans | 0.6214% | 2,677 |
| Net loans and leases to total assets | 82.9337% | 544 |
| Net loans and leases to deposits | 94.9359% | 1,140 |
| Net loans and leases to core deposits | 95.3131% | 2,030 |
| Total domestic deposits to total assets | 87.3575% | 1,979 |
| Equity capital to assets | 9.3345% | 4,238 |
| Core capital (leverage) ratio | 9.5137% | 4,053 |
| Tier 1 risk-based capital ratio | 12.7583% | 4,084 |
| Total risk-based capital ratio | 13.9033% | 4,045 |
| Memoranda: | ||
| Average total assets | $149,437,500 | 3,474 |
| Average earning assets | $135,886,000 | 3,507 |
| Average equity | $14,081,000 | 3,818 |
| Average total loans | $125,180,500 | 2,997 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5186% | 75 |
| Cost of funding earning assets | 0.0732% | 5,568 |
| Net interest margin | 6.4454% | 50 |
| Noninterest income to average assets | 0.5880% | 2,504 |
| Noninterest expense to average assets | 5.0613% | 214 |
| Loan and lease loss provision to assets | 0.3119% | 544 |
| Net operating income to assets | 1.0428% | 2,080 |
| Return on assets (ROA) | 1.0428% | 2,111 |
| Pretax return on assets | 1.0428% | 3,405 |
| Return on Equity (ROE) | 10.5186% | 1,670 |
| Retained earnings to average equity (ytd only) | 0.3622% | 4,881 |
| Net charge-offs to loans | 0.2935% | 892 |
| Credit loss provision to net charge-offs | 129.5322% | 2,029 |
| Earnings coverage of net charge-offs (x) | 5.6257% | 3,298 |
| Efficiency ratio | 78.8850% | 1,241 |
| Assets per employee ($millions) | 1.8718% | 5,579 |
| Cash dividends to net income (ytd only)* | 96.5564% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,157 |
| Loan loss allowance to noncurrent loans | 157.3316% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 2.3939% | 406 |
| Noncurrent loans to loans | 0.6111% | 2,707 |
| Net loans and leases to total assets | 82.9648% | 568 |
| Net loans and leases to deposits | 95.2168% | 1,154 |
| Net loans and leases to core deposits | 95.7923% | 2,040 |
| Total domestic deposits to total assets | 87.1325% | 1,931 |
| Equity capital to assets | 9.5127% | 4,225 |
| Core capital (leverage) ratio | 9.8355% | 3,655 |
| Tier 1 risk-based capital ratio | 12.9889% | 3,909 |
| Total risk-based capital ratio | 14.1339% | 3,875 |
| Memoranda: | ||
| Average total assets | $142,017,800 | 3,585 |
| Average earning assets | $128,417,200 | 3,605 |
| Average equity | $14,079,800 | 3,834 |
| Average total loans | $116,522,600 | 3,101 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5342% | 71 |
| Cost of funding earning assets | 0.0735% | 5,632 |
| Net interest margin | 6.4607% | 48 |
| Noninterest income to average assets | 0.6327% | 2,299 |
| Noninterest expense to average assets | 5.0779% | 213 |
| Loan and lease loss provision to assets | 0.2874% | 555 |
| Net operating income to assets | 1.1032% | 2,078 |
| Return on assets (ROA) | 1.1032% | 2,127 |
| Pretax return on assets | 1.1032% | 3,289 |
| Return on Equity (ROE) | 11.0107% | 1,694 |
| Retained earnings to average equity (ytd only) | 0.7858% | 5,039 |
| Net charge-offs to loans | 0.2488% | 869 |
| Credit loss provision to net charge-offs | 141.5888% | 1,762 |
| Earnings coverage of net charge-offs (x) | 6.8504% | 2,936 |
| Efficiency ratio | 78.5012% | 1,264 |
| Assets per employee ($millions) | 1.7672% | 5,655 |
| Cash dividends to net income (ytd only)* | 92.8629% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,240 |
| Loan loss allowance to noncurrent loans | 88.9140% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5223% | 423 |
| Noncurrent loans to loans | 1.0902% | 1,771 |
| Net loans and leases to total assets | 83.1219% | 531 |
| Net loans and leases to deposits | 92.2382% | 1,537 |
| Net loans and leases to core deposits | 92.7874% | 2,371 |
| Total domestic deposits to total assets | 90.1166% | 437 |
| Equity capital to assets | 9.7295% | 4,220 |
| Core capital (leverage) ratio | 10.0310% | 3,534 |
| Tier 1 risk-based capital ratio | 12.9772% | 4,027 |
| Total risk-based capital ratio | 14.0965% | 4,014 |
| Memoranda: | ||
| Average total assets | $140,553,250 | 3,640 |
| Average earning assets | $126,960,250 | 3,664 |
| Average equity | $14,083,000 | 3,871 |
| Average total loans | $114,684,250 | 3,154 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4338% | 79 |
| Cost of funding earning assets | 0.0750% | 5,667 |
| Net interest margin | 6.3589% | 54 |
| Noninterest income to average assets | 0.5953% | 2,484 |
| Noninterest expense to average assets | 5.0683% | 212 |
| Loan and lease loss provision to assets | 0.1308% | 1,592 |
| Net operating income to assets | 1.1287% | 1,858 |
| Return on assets (ROA) | 1.1287% | 1,912 |
| Pretax return on assets | 1.1287% | 3,055 |
| Return on Equity (ROE) | 11.1524% | 1,584 |
| Retained earnings to average equity (ytd only) | 1.9179% | 4,484 |
| Net charge-offs to loans | 0.1976% | 1,020 |
| Credit loss provision to net charge-offs | 81.9820% | 2,240 |
| Earnings coverage of net charge-offs (x) | 7.8919% | 2,563 |
| Efficiency ratio | 80.0954% | 1,201 |
| Assets per employee ($millions) | 1.7902% | 5,699 |
| Cash dividends to net income (ytd only)* | 82.8025% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,357 |
| Loan loss allowance to noncurrent loans | 132.4257% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 538 |
| Noncurrent loans to loans | 0.7261% | 2,574 |
| Net loans and leases to total assets | 78.9214% | 1,103 |
| Net loans and leases to deposits | 87.9445% | 1,995 |
| Net loans and leases to core deposits | 88.4896% | 2,657 |
| Total domestic deposits to total assets | 89.7400% | 626 |
| Equity capital to assets | 10.1340% | 3,755 |
| Core capital (leverage) ratio | 10.2030% | 3,271 |
| Tier 1 risk-based capital ratio | 14.2214% | 3,297 |
| Total risk-based capital ratio | 15.3530% | 3,284 |
| Memoranda: | ||
| Average total assets | $139,101,000 | 3,681 |
| Average earning assets | $125,399,330 | 3,716 |
| Average equity | $14,077,670 | 3,880 |
| Average total loans | $112,368,670 | 3,187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2856% | 90 |
| Cost of funding earning assets | 0.0735% | 5,733 |
| Net interest margin | 6.2121% | 63 |
| Noninterest income to average assets | 0.5820% | 2,498 |
| Noninterest expense to average assets | 5.1083% | 222 |
| Loan and lease loss provision to assets | 0.0663% | 2,476 |
| Net operating income to assets | 1.0084% | 2,269 |
| Return on assets (ROA) | 1.0084% | 2,319 |
| Pretax return on assets | 1.0084% | 3,328 |
| Return on Equity (ROE) | 9.9708% | 1,975 |
| Retained earnings to average equity (ytd only) | 1.4244% | 4,533 |
| Net charge-offs to loans | 0.1027% | 1,351 |
| Credit loss provision to net charge-offs | 79.3103% | 1,759 |
| Earnings coverage of net charge-offs (x) | 12.8621% | 1,821 |
| Efficiency ratio | 82.6188% | 1,101 |
| Assets per employee ($millions) | 1.7852% | 5,761 |
| Cash dividends to net income (ytd only)* | 85.7143% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,421 |
| Loan loss allowance to noncurrent loans | 162.0329% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1415% | 592 |
| Noncurrent loans to loans | 0.6015% | 3,015 |
| Net loans and leases to total assets | 79.0964% | 968 |
| Net loans and leases to deposits | 88.0614% | 1,790 |
| Net loans and leases to core deposits | 88.6076% | 2,486 |
| Total domestic deposits to total assets | 89.8197% | 741 |
| Equity capital to assets | 10.1013% | 3,622 |
| Core capital (leverage) ratio | 10.0712% | 3,413 |
| Tier 1 risk-based capital ratio | 14.1676% | 3,377 |
| Total risk-based capital ratio | 15.3118% | 3,357 |
| Memoranda: | ||
| Average total assets | $138,832,000 | 3,715 |
| Average earning assets | $125,175,000 | 3,750 |
| Average equity | $14,041,000 | 3,917 |
| Average total loans | $112,915,500 | 3,201 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1837% | 98 |
| Cost of funding earning assets | 0.0803% | 5,776 |
| Net interest margin | 6.1034% | 61 |
| Noninterest income to average assets | 0.7223% | 2,067 |
| Noninterest expense to average assets | 5.1738% | 238 |
| Loan and lease loss provision to assets | 0.2167% | 1,026 |
| Net operating income to assets | 0.8240% | 3,190 |
| Return on assets (ROA) | 0.8240% | 3,285 |
| Pretax return on assets | 0.8240% | 4,114 |
| Return on Equity (ROE) | 8.4080% | 2,739 |
| Retained earnings to average equity (ytd only) | 0.7156% | 5,041 |
| Net charge-offs to loans | 0.3119% | 880 |
| Credit loss provision to net charge-offs | 86.0724% | 2,871 |
| Earnings coverage of net charge-offs (x) | 4.1337% | 3,547 |
| Efficiency ratio | 83.2543% | 1,079 |
| Assets per employee ($millions) | 1.7746% | 5,819 |
| Cash dividends to net income (ytd only)* | 91.4894% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,574 |
| Loan loss allowance to noncurrent loans | 160.2941% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 2.3372% | 531 |
| Noncurrent loans to loans | 0.5933% | 3,074 |
| Net loans and leases to total assets | 82.0113% | 607 |
| Net loans and leases to deposits | 91.3389% | 1,532 |
| Net loans and leases to core deposits | 91.9083% | 2,308 |
| Total domestic deposits to total assets | 89.7880% | 732 |
| Equity capital to assets | 10.1261% | 3,575 |
| Core capital (leverage) ratio | 10.1057% | 3,355 |
| Tier 1 risk-based capital ratio | 13.5448% | 3,743 |
| Total risk-based capital ratio | 14.6532% | 3,730 |
| Memoranda: | ||
| Average total assets | $142,602,800 | 3,630 |
| Average earning assets | $128,322,000 | 3,682 |
| Average equity | $13,974,800 | 3,943 |
| Average total loans | $115,093,800 | 3,139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0572% | 111 |
| Cost of funding earning assets | 0.0816% | 5,839 |
| Net interest margin | 5.9756% | 68 |
| Noninterest income to average assets | 0.7583% | 1,940 |
| Noninterest expense to average assets | 5.1420% | 241 |
| Loan and lease loss provision to assets | 0.1754% | 1,283 |
| Net operating income to assets | 0.8121% | 3,311 |
| Return on assets (ROA) | 0.8121% | 3,449 |
| Pretax return on assets | 0.8121% | 4,272 |
| Return on Equity (ROE) | 8.3543% | 2,830 |
| Retained earnings to average equity (ytd only) | 0.9548% | 5,101 |
| Net charge-offs to loans | 0.2141% | 1,087 |
| Credit loss provision to net charge-offs | 102.1622% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.7514% | 3,086 |
| Efficiency ratio | 83.8886% | 1,001 |
| Assets per employee ($millions) | 1.8079% | 5,883 |
| Cash dividends to net income (ytd only)* | 88.5715% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,502 |
| Loan loss allowance to noncurrent loans | 162.7312% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 2.3210% | 612 |
| Noncurrent loans to loans | 0.6036% | 3,205 |
| Net loans and leases to total assets | 80.7501% | 792 |
| Net loans and leases to deposits | 89.6668% | 1,801 |
| Net loans and leases to core deposits | 90.2061% | 2,558 |
| Total domestic deposits to total assets | 90.0558% | 464 |
| Equity capital to assets | 9.8133% | 4,349 |
| Core capital (leverage) ratio | 10.0634% | 3,489 |
| Tier 1 risk-based capital ratio | 13.4420% | 3,895 |
| Total risk-based capital ratio | 14.5593% | 3,885 |
| Memoranda: | ||
| Average total assets | $143,649,750 | 3,631 |
| Average earning assets | $129,121,000 | 3,683 |
| Average equity | $13,964,500 | 3,979 |
| Average total loans | $115,215,750 | 3,146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9691% | 129 |
| Cost of funding earning assets | 0.0819% | 5,918 |
| Net interest margin | 5.8872% | 76 |
| Noninterest income to average assets | 0.7546% | 1,910 |
| Noninterest expense to average assets | 5.1763% | 244 |
| Loan and lease loss provision to assets | 0.0764% | 2,606 |
| Net operating income to assets | 0.7949% | 3,331 |
| Return on assets (ROA) | 0.7949% | 3,473 |
| Pretax return on assets | 0.7949% | 4,299 |
| Return on Equity (ROE) | 8.2023% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.6740% | 5,102 |
| Net charge-offs to loans | 0.1603% | 1,369 |
| Credit loss provision to net charge-offs | 59.7826% | 2,582 |
| Earnings coverage of net charge-offs (x) | 6.8152% | 2,698 |
| Efficiency ratio | 85.5928% | 919 |
| Assets per employee ($millions) | 1.7243% | 5,966 |
| Cash dividends to net income (ytd only)* | 91.7832% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 4,696 |
| Loan loss allowance to noncurrent loans | 147.4599% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.4021% | 597 |
| Noncurrent loans to loans | 0.6547% | 3,112 |
| Net loans and leases to total assets | 81.0084% | 750 |
| Net loans and leases to deposits | 93.8564% | 1,300 |
| Net loans and leases to core deposits | 94.4582% | 2,113 |
| Total domestic deposits to total assets | 86.3110% | 2,259 |
| Equity capital to assets | 9.9974% | 4,230 |
| Core capital (leverage) ratio | 10.0502% | 3,512 |
| Tier 1 risk-based capital ratio | 14.5330% | 3,302 |
| Total risk-based capital ratio | 15.7226% | 3,267 |
| Memoranda: | ||
| Average total assets | $143,924,000 | 3,645 |
| Average earning assets | $129,398,670 | 3,705 |
| Average equity | $13,947,330 | 4,000 |
| Average total loans | $114,795,330 | 3,162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 156 |
| Cost of funding earning assets | 0.0824% | 5,978 |
| Net interest margin | 5.7439% | 85 |
| Noninterest income to average assets | 0.7367% | 1,872 |
| Noninterest expense to average assets | 5.0146% | 270 |
| Loan and lease loss provision to assets | 0.0630% | 2,692 |
| Net operating income to assets | 0.8161% | 3,166 |
| Return on assets (ROA) | 0.8161% | 3,290 |
| Pretax return on assets | 0.8161% | 4,146 |
| Return on Equity (ROE) | 8.5512% | 2,633 |
| Retained earnings to average equity (ytd only) | 1.3774% | 4,709 |
| Net charge-offs to loans | 0.1147% | 1,431 |
| Credit loss provision to net charge-offs | 69.6970% | 1,908 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 1,967 |
| Efficiency ratio | 85.0836% | 1,054 |
| Assets per employee ($millions) | 1.7716% | 6,021 |
| Cash dividends to net income (ytd only)* | 83.8926% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 4,572 |
| Loan loss allowance to noncurrent loans | 145.9948% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.3560% | 660 |
| Noncurrent loans to loans | 0.6887% | 3,126 |
| Net loans and leases to total assets | 77.5259% | 1,160 |
| Net loans and leases to deposits | 85.9368% | 2,067 |
| Net loans and leases to core deposits | 86.4489% | 2,708 |
| Total domestic deposits to total assets | 90.2127% | 525 |
| Equity capital to assets | 9.7301% | 4,419 |
| Core capital (leverage) ratio | 9.7267% | 3,876 |
| Tier 1 risk-based capital ratio | 14.6061% | 3,340 |
| Total risk-based capital ratio | 15.7923% | 3,311 |
| Memoranda: | ||
| Average total assets | $146,052,500 | 3,633 |
| Average earning assets | $131,130,000 | 3,697 |
| Average equity | $13,939,500 | 4,010 |
| Average total loans | $115,070,500 | 3,159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 204 |
| Cost of funding earning assets | 0.0867% | 6,011 |
| Net interest margin | 5.5931% | 107 |
| Noninterest income to average assets | 0.8426% | 1,631 |
| Noninterest expense to average assets | 4.6566% | 366 |
| Loan and lease loss provision to assets | 0.5927% | 181 |
| Net operating income to assets | 0.7111% | 3,760 |
| Return on assets (ROA) | 0.7111% | 3,867 |
| Pretax return on assets | 0.7111% | 4,503 |
| Return on Equity (ROE) | 7.8087% | 3,066 |
| Retained earnings to average equity (ytd only) | -0.3644% | 5,569 |
| Net charge-offs to loans | 0.8234% | 269 |
| Credit loss provision to net charge-offs | 92.5813% | 2,711 |
| Earnings coverage of net charge-offs (x) | 2.0366% | 3,988 |
| Efficiency ratio | 78.1247% | 1,948 |
| Assets per employee ($millions) | 1.8122% | 6,077 |
| Cash dividends to net income (ytd only)* | 104.6661% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 4,781 |
| Loan loss allowance to noncurrent loans | 52.3897% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.9407% | 451 |
| Noncurrent loans to loans | 1.8478% | 1,166 |
| Net loans and leases to total assets | 78.4774% | 1,059 |
| Net loans and leases to deposits | 86.6373% | 2,045 |
| Net loans and leases to core deposits | 87.1331% | 2,681 |
| Total domestic deposits to total assets | 90.5816% | 413 |
| Equity capital to assets | 9.3646% | 4,715 |
| Core capital (leverage) ratio | 9.4756% | 4,211 |
| Tier 1 risk-based capital ratio | 13.8526% | 3,800 |
| Total risk-based capital ratio | 15.0252% | 3,768 |
| Memoranda: | ||
| Average total assets | $153,696,000 | 3,512 |
| Average earning assets | $140,637,600 | 3,531 |
| Average equity | $13,997,200 | 3,977 |
| Average total loans | $119,509,000 | 3,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 223 |
| Cost of funding earning assets | 0.0880% | 6,094 |
| Net interest margin | 5.5271% | 120 |
| Noninterest income to average assets | 0.9748% | 1,243 |
| Noninterest expense to average assets | 4.6890% | 368 |
| Loan and lease loss provision to assets | 0.4500% | 241 |
| Net operating income to assets | 0.9146% | 2,892 |
| Return on assets (ROA) | 0.9146% | 2,977 |
| Pretax return on assets | 0.9146% | 3,936 |
| Return on Equity (ROE) | 10.1109% | 2,060 |
| Retained earnings to average equity (ytd only) | -0.7705% | 5,733 |
| Net charge-offs to loans | 0.7081% | 300 |
| Credit loss provision to net charge-offs | 82.1036% | 2,583 |
| Earnings coverage of net charge-offs (x) | 2.4898% | 3,666 |
| Efficiency ratio | 77.4588% | 2,025 |
| Assets per employee ($millions) | 1.8134% | 6,163 |
| Cash dividends to net income (ytd only)* | 107.6201% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,013 |
| Loan loss allowance to noncurrent loans | 33.6394% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 426 |
| Noncurrent loans to loans | 2.7999% | 666 |
| Net loans and leases to total assets | 77.7299% | 1,145 |
| Net loans and leases to deposits | 85.9065% | 2,153 |
| Net loans and leases to core deposits | 86.3977% | 2,807 |
| Total domestic deposits to total assets | 90.4820% | 389 |
| Equity capital to assets | 9.3378% | 4,959 |
| Core capital (leverage) ratio | 9.1430% | 4,823 |
| Tier 1 risk-based capital ratio | 14.0355% | 3,821 |
| Total risk-based capital ratio | 15.2171% | 3,803 |
| Memoranda: | ||
| Average total assets | $154,969,500 | 3,528 |
| Average earning assets | $142,396,750 | 3,539 |
| Average equity | $14,017,500 | 4,011 |
| Average total loans | $119,946,500 | 3,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 232 |
| Cost of funding earning assets | 0.0886% | 6,171 |
| Net interest margin | 5.5046% | 122 |
| Noninterest income to average assets | 0.7615% | 1,940 |
| Noninterest expense to average assets | 4.5549% | 401 |
| Loan and lease loss provision to assets | 0.1121% | 1,964 |
| Net operating income to assets | 1.1575% | 1,752 |
| Return on assets (ROA) | 1.1575% | 1,820 |
| Pretax return on assets | 1.1575% | 2,944 |
| Return on Equity (ROE) | 12.9288% | 1,128 |
| Retained earnings to average equity (ytd only) | 2.2046% | 4,612 |
| Net charge-offs to loans | 0.1834% | 1,357 |
| Credit loss provision to net charge-offs | 79.2793% | 2,343 |
| Earnings coverage of net charge-offs (x) | 8.9820% | 2,502 |
| Efficiency ratio | 78.2029% | 2,038 |
| Assets per employee ($millions) | 1.8964% | 6,228 |
| Cash dividends to net income (ytd only)* | 82.9483% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,911 |
| Loan loss allowance to noncurrent loans | 41.0912% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.1512% | 502 |
| Noncurrent loans to loans | 2.4115% | 943 |
| Net loans and leases to total assets | 79.3647% | 890 |
| Net loans and leases to deposits | 87.7142% | 1,874 |
| Net loans and leases to core deposits | 88.2114% | 2,532 |
| Total domestic deposits to total assets | 90.4810% | 462 |
| Equity capital to assets | 9.4256% | 4,743 |
| Core capital (leverage) ratio | 9.0890% | 4,838 |
| Tier 1 risk-based capital ratio | 13.6306% | 4,147 |
| Total risk-based capital ratio | 14.7908% | 4,124 |
| Memoranda: | ||
| Average total assets | $157,060,330 | 3,528 |
| Average earning assets | $144,460,330 | 3,534 |
| Average equity | $14,061,670 | 4,036 |
| Average total loans | $121,035,000 | 3,071 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 317 |
| Cost of funding earning assets | 0.0920% | 6,232 |
| Net interest margin | 5.2749% | 164 |
| Noninterest income to average assets | 0.7767% | 1,803 |
| Noninterest expense to average assets | 4.3714% | 472 |
| Loan and lease loss provision to assets | 0.0921% | 2,155 |
| Net operating income to assets | 1.1675% | 1,642 |
| Return on assets (ROA) | 1.1675% | 1,747 |
| Pretax return on assets | 1.1675% | 2,797 |
| Return on Equity (ROE) | 13.3694% | 1,018 |
| Retained earnings to average equity (ytd only) | 3.7058% | 3,786 |
| Net charge-offs to loans | 0.1350% | 1,435 |
| Credit loss provision to net charge-offs | 90.2439% | 1,739 |
| Earnings coverage of net charge-offs (x) | 12.3415% | 1,805 |
| Efficiency ratio | 77.6304% | 2,241 |
| Assets per employee ($millions) | 1.9769% | 6,279 |
| Cash dividends to net income (ytd only)* | 72.2814% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,992 |
| Loan loss allowance to noncurrent loans | 69.4428% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.0727% | 1,126 |
| Noncurrent loans to loans | 1.4460% | 1,973 |
| Net loans and leases to total assets | 74.4337% | 1,436 |
| Net loans and leases to deposits | 81.6599% | 2,379 |
| Net loans and leases to core deposits | 82.0890% | 2,957 |
| Total domestic deposits to total assets | 91.1509% | 312 |
| Equity capital to assets | 8.8035% | 5,498 |
| Core capital (leverage) ratio | 8.7396% | 5,276 |
| Tier 1 risk-based capital ratio | 13.7494% | 4,188 |
| Total risk-based capital ratio | 14.9325% | 4,137 |
| Memoranda: | ||
| Average total assets | $160,682,500 | 3,497 |
| Average earning assets | $147,870,500 | 3,504 |
| Average equity | $14,032,000 | 4,069 |
| Average total loans | $121,507,000 | 3,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 355 |
| Cost of funding earning assets | 0.1052% | 6,309 |
| Net interest margin | 5.3291% | 173 |
| Noninterest income to average assets | 0.6388% | 2,627 |
| Noninterest expense to average assets | 4.4626% | 478 |
| Loan and lease loss provision to assets | 0.0966% | 2,541 |
| Net operating income to assets | 0.9730% | 2,512 |
| Return on assets (ROA) | 0.9730% | 2,594 |
| Pretax return on assets | 0.9730% | 3,602 |
| Return on Equity (ROE) | 11.3006% | 1,619 |
| Retained earnings to average equity (ytd only) | -0.1869% | 5,800 |
| Net charge-offs to loans | 0.1025% | 3,036 |
| Credit loss provision to net charge-offs | 126.8293% | 1,887 |
| Earnings coverage of net charge-offs (x) | 14.0488% | 2,202 |
| Efficiency ratio | 80.6668% | 1,823 |
| Assets per employee ($millions) | 1.9906% | 6,374 |
| Cash dividends to net income (ytd only)* | 101.6539% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 5,117 |
| Loan loss allowance to noncurrent loans | 67.5014% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.0864% | 1,192 |
| Noncurrent loans to loans | 1.4656% | 2,004 |
| Net loans and leases to total assets | 75.2946% | 1,364 |
| Net loans and leases to deposits | 82.4619% | 2,413 |
| Net loans and leases to core deposits | 82.8909% | 3,009 |
| Total domestic deposits to total assets | 91.3084% | 272 |
| Equity capital to assets | 8.6625% | 5,605 |
| Core capital (leverage) ratio | 8.3221% | 5,756 |
| Tier 1 risk-based capital ratio | 13.1825% | 4,599 |
| Total risk-based capital ratio | 14.3396% | 4,587 |
| Memoranda: | ||
| Average total assets | $161,564,600 | 3,468 |
| Average earning assets | $148,355,800 | 3,472 |
| Average equity | $13,910,800 | 4,040 |
| Average total loans | $119,984,000 | 3,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 379 |
| Cost of funding earning assets | 0.1051% | 6,395 |
| Net interest margin | 5.2979% | 176 |
| Noninterest income to average assets | 0.6533% | 2,560 |
| Noninterest expense to average assets | 4.4763% | 468 |
| Loan and lease loss provision to assets | 0.0660% | 3,032 |
| Net operating income to assets | 0.9758% | 2,565 |
| Return on assets (ROA) | 0.9758% | 2,635 |
| Pretax return on assets | 0.9758% | 3,691 |
| Return on Equity (ROE) | 11.3501% | 1,671 |
| Retained earnings to average equity (ytd only) | -0.8635% | 5,946 |
| Net charge-offs to loans | 0.1207% | 2,603 |
| Credit loss provision to net charge-offs | 74.0741% | 2,690 |
| Earnings coverage of net charge-offs (x) | 11.6942% | 2,391 |
| Efficiency ratio | 81.1211% | 1,740 |
| Assets per employee ($millions) | 2.1055% | 6,417 |
| Cash dividends to net income (ytd only)* | 107.6080% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 5,275 |
| Loan loss allowance to noncurrent loans | 74.8538% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 1,656 |
| Noncurrent loans to loans | 1.3159% | 2,451 |
| Net loans and leases to total assets | 67.8972% | 2,553 |
| Net loans and leases to deposits | 74.0169% | 3,430 |
| Net loans and leases to core deposits | 74.3787% | 3,912 |
| Total domestic deposits to total assets | 91.7320% | 192 |
| Equity capital to assets | 8.1513% | 6,042 |
| Core capital (leverage) ratio | 8.4604% | 5,699 |
| Tier 1 risk-based capital ratio | 13.8495% | 4,320 |
| Total risk-based capital ratio | 15.0161% | 4,314 |
| Memoranda: | ||
| Average total assets | $161,646,750 | 3,500 |
| Average earning assets | $148,433,750 | 3,504 |
| Average equity | $13,896,750 | 4,059 |
| Average total loans | $119,326,250 | 3,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 313 |
| Cost of funding earning assets | 0.1071% | 6,461 |
| Net interest margin | 5.3848% | 155 |
| Noninterest income to average assets | 0.6567% | 2,504 |
| Noninterest expense to average assets | 4.5022% | 449 |
| Loan and lease loss provision to assets | 0.0819% | 2,666 |
| Net operating income to assets | 1.0134% | 2,276 |
| Return on assets (ROA) | 1.0134% | 2,341 |
| Pretax return on assets | 1.0134% | 3,429 |
| Return on Equity (ROE) | 11.5725% | 1,555 |
| Retained earnings to average equity (ytd only) | -2.2886% | 6,029 |
| Net charge-offs to loans | 0.1132% | 2,529 |
| Credit loss provision to net charge-offs | 95.5882% | 2,089 |
| Earnings coverage of net charge-offs (x) | 12.7794% | 2,034 |
| Efficiency ratio | 80.4323% | 1,955 |
| Assets per employee ($millions) | 1.8759% | 6,532 |
| Cash dividends to net income (ytd only)* | 119.7761% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 5,420 |
| Loan loss allowance to noncurrent loans | 67.8386% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 1,673 |
| Noncurrent loans to loans | 1.4485% | 2,384 |
| Net loans and leases to total assets | 74.3821% | 1,391 |
| Net loans and leases to deposits | 81.5184% | 2,312 |
| Net loans and leases to core deposits | 81.9464% | 2,979 |
| Total domestic deposits to total assets | 91.2458% | 325 |
| Equity capital to assets | 8.6758% | 5,636 |
| Core capital (leverage) ratio | 8.6738% | 5,444 |
| Tier 1 risk-based capital ratio | 13.9179% | 4,308 |
| Total risk-based capital ratio | 15.1233% | 4,284 |
| Memoranda: | ||
| Average total assets | $158,679,330 | 3,557 |
| Average earning assets | $145,594,670 | 3,575 |
| Average equity | $13,895,000 | 4,064 |
| Average total loans | $120,118,330 | 3,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 268 |
| Cost of funding earning assets | 0.1077% | 6,540 |
| Net interest margin | 5.4381% | 137 |
| Noninterest income to average assets | 0.6444% | 2,491 |
| Noninterest expense to average assets | 4.4601% | 473 |
| Loan and lease loss provision to assets | 0.0505% | 3,088 |
| Net operating income to assets | 1.1119% | 1,769 |
| Return on assets (ROA) | 1.1119% | 1,825 |
| Pretax return on assets | 1.1119% | 2,847 |
| Return on Equity (ROE) | 12.6387% | 1,251 |
| Retained earnings to average equity (ytd only) | -3.8778% | 6,047 |
| Net charge-offs to loans | 0.0466% | 2,736 |
| Credit loss provision to net charge-offs | 142.8571% | 1,298 |
| Earnings coverage of net charge-offs (x) | 32.8571% | 993 |
| Efficiency ratio | 79.3258% | 2,296 |
| Assets per employee ($millions) | 1.9650% | 6,586 |
| Cash dividends to net income (ytd only)* | 130.6818% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 5,572 |
| Loan loss allowance to noncurrent loans | 75.0633% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 2,106 |
| Noncurrent loans to loans | 1.3174% | 2,829 |
| Net loans and leases to total assets | 73.6939% | 1,312 |
| Net loans and leases to deposits | 80.6726% | 2,208 |
| Net loans and leases to core deposits | 81.5720% | 2,783 |
| Total domestic deposits to total assets | 91.3494% | 438 |
| Equity capital to assets | 8.6003% | 5,547 |
| Core capital (leverage) ratio | 8.8337% | 5,223 |
| Tier 1 risk-based capital ratio | 13.8562% | 4,427 |
| Total risk-based capital ratio | 15.0561% | 4,419 |
| Memoranda: | ||
| Average total assets | $158,291,500 | 3,587 |
| Average earning assets | $144,903,000 | 3,608 |
| Average equity | $13,925,500 | 4,056 |
| Average total loans | $120,286,000 | 3,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 170 |
| Cost of funding earning assets | 0.1285% | 6,611 |
| Net interest margin | 5.8693% | 90 |
| Noninterest income to average assets | 0.8012% | 2,074 |
| Noninterest expense to average assets | 4.7626% | 422 |
| Loan and lease loss provision to assets | 0.0867% | 3,372 |
| Net operating income to assets | 1.3257% | 1,192 |
| Return on assets (ROA) | 1.3257% | 1,229 |
| Pretax return on assets | 1.3257% | 2,052 |
| Return on Equity (ROE) | 14.8928% | 784 |
| Retained earnings to average equity (ytd only) | 2.3611% | 4,562 |
| Net charge-offs to loans | 0.1882% | 2,958 |
| Credit loss provision to net charge-offs | 57.7586% | 3,633 |
| Earnings coverage of net charge-offs (x) | 9.4138% | 2,508 |
| Efficiency ratio | 77.1285% | 2,602 |
| Assets per employee ($millions) | 1.8506% | 6,671 |
| Cash dividends to net income (ytd only)* | 84.1463% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 5,669 |
| Loan loss allowance to noncurrent loans | 69.4118% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 2,154 |
| Noncurrent loans to loans | 1.4092% | 2,785 |
| Net loans and leases to total assets | 76.8484% | 971 |
| Net loans and leases to deposits | 84.5088% | 1,865 |
| Net loans and leases to core deposits | 86.1060% | 2,434 |
| Total domestic deposits to total assets | 90.9353% | 598 |
| Equity capital to assets | 9.0017% | 5,033 |
| Core capital (leverage) ratio | 9.0184% | 4,968 |
| Tier 1 risk-based capital ratio | 13.8521% | 4,399 |
| Total risk-based capital ratio | 15.0460% | 4,387 |
| Memoranda: | ||
| Average total assets | $154,640,800 | 3,631 |
| Average earning assets | $141,583,600 | 3,643 |
| Average equity | $13,765,000 | 4,110 |
| Average total loans | $123,305,400 | 2,979 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 193 |
| Cost of funding earning assets | 0.1316% | 6,696 |
| Net interest margin | 5.8321% | 95 |
| Noninterest income to average assets | 0.7019% | 2,594 |
| Noninterest expense to average assets | 4.7664% | 413 |
| Loan and lease loss provision to assets | 0.0708% | 3,651 |
| Net operating income to assets | 1.2190% | 1,572 |
| Return on assets (ROA) | 1.2190% | 1,643 |
| Pretax return on assets | 1.2190% | 2,622 |
| Return on Equity (ROE) | 13.7337% | 1,060 |
| Retained earnings to average equity (ytd only) | 0.8462% | 5,645 |
| Net charge-offs to loans | 0.1785% | 2,798 |
| Credit loss provision to net charge-offs | 49.3976% | 3,521 |
| Earnings coverage of net charge-offs (x) | 8.9999% | 2,543 |
| Efficiency ratio | 78.7028% | 2,308 |
| Assets per employee ($millions) | 1.8656% | 6,741 |
| Cash dividends to net income (ytd only)* | 93.8384% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 5,783 |
| Loan loss allowance to noncurrent loans | 537.8378% | 830 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 2,695 |
| Noncurrent loans to loans | 0.1834% | 5,782 |
| Net loans and leases to total assets | 76.4727% | 942 |
| Net loans and leases to deposits | 83.9419% | 1,882 |
| Net loans and leases to core deposits | 85.5112% | 2,466 |
| Total domestic deposits to total assets | 91.1019% | 487 |
| Equity capital to assets | 8.7775% | 5,439 |
| Core capital (leverage) ratio | 8.9948% | 5,136 |
| Tier 1 risk-based capital ratio | 13.6808% | 4,644 |
| Total risk-based capital ratio | 14.8853% | 4,625 |
| Memoranda: | ||
| Average total assets | $154,438,750 | 3,668 |
| Average earning assets | $141,785,750 | 3,673 |
| Average equity | $13,708,000 | 4,176 |
| Average total loans | $123,971,750 | 2,977 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9598% | 193 |
| Cost of funding earning assets | 0.1359% | 6,747 |
| Net interest margin | 5.8239% | 95 |
| Noninterest income to average assets | 0.6923% | 2,679 |
| Noninterest expense to average assets | 4.7357% | 434 |
| Loan and lease loss provision to assets | 0.0625% | 3,761 |
| Net operating income to assets | 1.2467% | 1,470 |
| Return on assets (ROA) | 1.2467% | 1,561 |
| Pretax return on assets | 1.2467% | 2,494 |
| Return on Equity (ROE) | 13.9932% | 1,010 |
| Retained earnings to average equity (ytd only) | 1.3146% | 5,365 |
| Net charge-offs to loans | 0.1649% | 2,796 |
| Credit loss provision to net charge-offs | 46.6019% | 3,281 |
| Earnings coverage of net charge-offs (x) | 9.7670% | 2,241 |
| Efficiency ratio | 78.3423% | 2,403 |
| Assets per employee ($millions) | 1.7493% | 6,810 |
| Cash dividends to net income (ytd only)* | 90.6054% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 5,861 |
| Loan loss allowance to noncurrent loans | 550.9009% | 793 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 2,546 |
| Noncurrent loans to loans | 0.1799% | 5,868 |
| Net loans and leases to total assets | 80.2681% | 513 |
| Net loans and leases to deposits | 88.3294% | 1,303 |
| Net loans and leases to core deposits | 90.4116% | 1,875 |
| Total domestic deposits to total assets | 90.8736% | 591 |
| Equity capital to assets | 9.0403% | 5,178 |
| Core capital (leverage) ratio | 9.0522% | 4,908 |
| Tier 1 risk-based capital ratio | 13.4605% | 4,797 |
| Total risk-based capital ratio | 14.6678% | 4,782 |
| Memoranda: | ||
| Average total assets | $153,682,670 | 3,711 |
| Average earning assets | $141,245,670 | 3,708 |
| Average equity | $13,692,330 | 4,208 |
| Average total loans | $124,951,670 | 2,971 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 191 |
| Cost of funding earning assets | 0.1412% | 6,821 |
| Net interest margin | 5.7930% | 98 |
| Noninterest income to average assets | 0.6864% | 2,670 |
| Noninterest expense to average assets | 4.7633% | 435 |
| Loan and lease loss provision to assets | 0.0673% | 3,513 |
| Net operating income to assets | 1.1682% | 1,616 |
| Return on assets (ROA) | 1.1682% | 1,726 |
| Pretax return on assets | 1.1682% | 2,690 |
| Return on Equity (ROE) | 13.2069% | 1,116 |
| Retained earnings to average equity (ytd only) | -0.4978% | 5,878 |
| Net charge-offs to loans | 0.2386% | 2,017 |
| Credit loss provision to net charge-offs | 34.6667% | 2,817 |
| Earnings coverage of net charge-offs (x) | 6.3600% | 2,231 |
| Efficiency ratio | 79.4041% | 2,413 |
| Assets per employee ($millions) | 1.8028% | 6,878 |
| Cash dividends to net income (ytd only)* | 103.7694% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 6,001 |
| Loan loss allowance to noncurrent loans | 128.5565% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 2,679 |
| Noncurrent loans to loans | 0.7734% | 4,574 |
| Net loans and leases to total assets | 79.8633% | 434 |
| Net loans and leases to deposits | 87.7315% | 1,174 |
| Net loans and leases to core deposits | 89.4428% | 1,760 |
| Total domestic deposits to total assets | 91.0316% | 515 |
| Equity capital to assets | 8.9084% | 5,606 |
| Core capital (leverage) ratio | 8.9623% | 4,945 |
| Tier 1 risk-based capital ratio | 13.6069% | 4,788 |
| Total risk-based capital ratio | 14.8399% | 4,767 |
| Memoranda: | ||
| Average total assets | $154,431,500 | 3,734 |
| Average earning assets | $141,618,000 | 3,737 |
| Average equity | $13,659,500 | 4,255 |
| Average total loans | $125,738,000 | 2,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0429% | 247 |
| Cost of funding earning assets | 0.2397% | 6,713 |
| Net interest margin | 5.8032% | 103 |
| Noninterest income to average assets | 0.7309% | 2,585 |
| Noninterest expense to average assets | 4.7259% | 466 |
| Loan and lease loss provision to assets | 0.1613% | 3,598 |
| Net operating income to assets | 1.1969% | 1,613 |
| Return on assets (ROA) | 1.1969% | 1,781 |
| Pretax return on assets | 1.1969% | 2,819 |
| Return on Equity (ROE) | 13.7443% | 1,047 |
| Retained earnings to average equity (ytd only) | 1.5280% | 5,104 |
| Net charge-offs to loans | 0.1391% | 4,301 |
| Credit loss provision to net charge-offs | 145.9302% | 1,868 |
| Earnings coverage of net charge-offs (x) | 12.2849% | 1,946 |
| Efficiency ratio | 77.6756% | 2,499 |
| Assets per employee ($millions) | 1.7685% | 6,950 |
| Cash dividends to net income (ytd only)* | 88.8829% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,965 |
| Loan loss allowance to noncurrent loans | 166.1899% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 2,901 |
| Noncurrent loans to loans | 0.6014% | 5,019 |
| Net loans and leases to total assets | 81.3417% | 372 |
| Net loans and leases to deposits | 89.2194% | 1,141 |
| Net loans and leases to core deposits | 91.2589% | 1,702 |
| Total domestic deposits to total assets | 91.1704% | 440 |
| Equity capital to assets | 8.7827% | 5,759 |
| Core capital (leverage) ratio | 8.4901% | 5,625 |
| Tier 1 risk-based capital ratio | 13.0421% | 5,079 |
| Total risk-based capital ratio | 14.2721% | 5,029 |
| Memoranda: | ||
| Average total assets | $155,569,000 | 3,694 |
| Average earning assets | $143,506,400 | 3,672 |
| Average equity | $13,547,400 | 4,246 |
| Average total loans | $123,611,800 | 3,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9315% | 316 |
| Cost of funding earning assets | 0.2561% | 6,786 |
| Net interest margin | 5.6754% | 146 |
| Noninterest income to average assets | 0.7294% | 2,576 |
| Noninterest expense to average assets | 4.7270% | 454 |
| Loan and lease loss provision to assets | 0.0823% | 4,599 |
| Net operating income to assets | 1.1623% | 1,864 |
| Return on assets (ROA) | 1.1623% | 2,054 |
| Pretax return on assets | 1.1623% | 3,123 |
| Return on Equity (ROE) | 13.3751% | 1,250 |
| Retained earnings to average equity (ytd only) | 1.4401% | 5,606 |
| Net charge-offs to loans | 0.0631% | 4,790 |
| Credit loss provision to net charge-offs | 165.5172% | 1,685 |
| Earnings coverage of net charge-offs (x) | 25.0349% | 1,259 |
| Efficiency ratio | 79.1589% | 2,215 |
| Assets per employee ($millions) | 1.6550% | 7,064 |
| Cash dividends to net income (ytd only)* | 89.2331% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,123 |
| Loan loss allowance to noncurrent loans | 84.8422% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 2,878 |
| Noncurrent loans to loans | 1.1662% | 4,120 |
| Net loans and leases to total assets | 81.2977% | 401 |
| Net loans and leases to deposits | 89.4121% | 1,211 |
| Net loans and leases to core deposits | 91.5081% | 1,823 |
| Total domestic deposits to total assets | 90.9247% | 435 |
| Equity capital to assets | 8.9361% | 5,884 |
| Core capital (leverage) ratio | 8.7196% | 5,447 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,964 |
| Total risk-based capital ratio | 14.6119% | 4,938 |
| Memoranda: | ||
| Average total assets | $155,555,000 | 3,727 |
| Average earning assets | $143,681,000 | 3,698 |
| Average equity | $13,517,250 | 4,294 |
| Average total loans | $122,548,250 | 3,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 406 |
| Cost of funding earning assets | 0.2734% | 6,826 |
| Net interest margin | 5.5211% | 177 |
| Noninterest income to average assets | 0.7137% | 2,589 |
| Noninterest expense to average assets | 4.6536% | 477 |
| Loan and lease loss provision to assets | 0.0587% | 4,919 |
| Net operating income to assets | 1.1069% | 2,023 |
| Return on assets (ROA) | 1.1069% | 2,240 |
| Pretax return on assets | 1.1069% | 3,282 |
| Return on Equity (ROE) | 12.8562% | 1,401 |
| Retained earnings to average equity (ytd only) | 0.4004% | 5,909 |
| Net charge-offs to loans | 0.0148% | 5,222 |
| Credit loss provision to net charge-offs | 511.1111% | 589 |
| Earnings coverage of net charge-offs (x) | 101.4444% | 419 |
| Efficiency ratio | 79.9693% | 2,184 |
| Assets per employee ($millions) | 1.6998% | 7,119 |
| Cash dividends to net income (ytd only)* | 96.8858% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,196 |
| Loan loss allowance to noncurrent loans | 94.6401% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 3,205 |
| Noncurrent loans to loans | 1.0468% | 4,425 |
| Net loans and leases to total assets | 78.9921% | 617 |
| Net loans and leases to deposits | 86.5396% | 1,527 |
| Net loans and leases to core deposits | 88.5057% | 2,144 |
| Total domestic deposits to total assets | 91.2785% | 361 |
| Equity capital to assets | 8.6243% | 6,102 |
| Core capital (leverage) ratio | 8.6620% | 5,431 |
| Tier 1 risk-based capital ratio | 13.0477% | 5,155 |
| Total risk-based capital ratio | 14.2541% | 5,159 |
| Memoranda: | ||
| Average total assets | $156,653,670 | 3,728 |
| Average earning assets | $144,861,330 | 3,696 |
| Average equity | $13,487,670 | 4,301 |
| Average total loans | $121,724,330 | 3,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 451 |
| Cost of funding earning assets | 0.3291% | 6,733 |
| Net interest margin | 5.4426% | 204 |
| Noninterest income to average assets | 0.6939% | 2,687 |
| Noninterest expense to average assets | 4.6330% | 488 |
| Loan and lease loss provision to assets | -0.0663% | 7,159 |
| Net operating income to assets | 1.1480% | 1,887 |
| Return on assets (ROA) | 1.1480% | 2,068 |
| Pretax return on assets | 1.1480% | 3,120 |
| Return on Equity (ROE) | 13.3452% | 1,315 |
| Retained earnings to average equity (ytd only) | 1.6311% | 5,422 |
| Net charge-offs to loans | -0.0366% | 6,420 |
| Credit loss provision to net charge-offs | 236.3636% | 1,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0714% | 2,069 |
| Assets per employee ($millions) | 1.7435% | 7,181 |
| Cash dividends to net income (ytd only)* | 87.7778% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,297 |
| Loan loss allowance to noncurrent loans | 119.9595% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 3,638 |
| Noncurrent loans to loans | 0.8226% | 5,029 |
| Net loans and leases to total assets | 75.7127% | 834 |
| Net loans and leases to deposits | 82.9161% | 1,804 |
| Net loans and leases to core deposits | 84.7921% | 2,435 |
| Total domestic deposits to total assets | 91.3124% | 435 |
| Equity capital to assets | 8.6137% | 5,976 |
| Core capital (leverage) ratio | 8.6931% | 5,303 |
| Tier 1 risk-based capital ratio | 12.5884% | 5,529 |
| Total risk-based capital ratio | 13.7070% | 5,606 |
| Memoranda: | ||
| Average total assets | $156,788,500 | 3,748 |
| Average earning assets | $144,636,500 | 3,725 |
| Average equity | $13,488,000 | 4,305 |
| Average total loans | $120,203,000 | 3,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1894% | 315 |
| Cost of funding earning assets | 0.4787% | 6,617 |
| Net interest margin | 5.7107% | 126 |
| Noninterest income to average assets | 0.7030% | 2,585 |
| Noninterest expense to average assets | 4.7023% | 488 |
| Loan and lease loss provision to assets | 0.0667% | 5,776 |
| Net operating income to assets | 1.1601% | 1,639 |
| Return on assets (ROA) | 1.1601% | 1,745 |
| Pretax return on assets | 1.1601% | 2,612 |
| Return on Equity (ROE) | 13.2226% | 1,117 |
| Retained earnings to average equity (ytd only) | 0.5516% | 5,587 |
| Net charge-offs to loans | 0.0678% | 5,630 |
| Credit loss provision to net charge-offs | 125.9259% | 2,479 |
| Earnings coverage of net charge-offs (x) | 23.1605% | 1,035 |
| Efficiency ratio | 79.3096% | 2,403 |
| Assets per employee ($millions) | 1.7216% | 7,229 |
| Cash dividends to net income (ytd only)* | 95.8286% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,241 |
| Loan loss allowance to noncurrent loans | 109.1985% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 3,870 |
| Noncurrent loans to loans | 0.9118% | 4,863 |
| Net loans and leases to total assets | 76.0992% | 938 |
| Net loans and leases to deposits | 86.4019% | 1,626 |
| Net loans and leases to core deposits | 88.4330% | 2,330 |
| Total domestic deposits to total assets | 88.0758% | 2,105 |
| Equity capital to assets | 8.5916% | 6,023 |
| Core capital (leverage) ratio | 8.7322% | 5,203 |
| Tier 1 risk-based capital ratio | 12.5530% | 5,405 |
| Total risk-based capital ratio | 13.6815% | 5,485 |
| Memoranda: | ||
| Average total assets | $152,924,000 | 3,755 |
| Average earning assets | $139,949,000 | 3,747 |
| Average equity | $13,416,400 | 4,257 |
| Average total loans | $119,446,800 | 3,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2678% | 284 |
| Cost of funding earning assets | 0.4958% | 6,711 |
| Net interest margin | 5.7720% | 122 |
| Noninterest income to average assets | 0.7079% | 2,557 |
| Noninterest expense to average assets | 4.7537% | 461 |
| Loan and lease loss provision to assets | 0.0219% | 6,171 |
| Net operating income to assets | 1.2018% | 1,646 |
| Return on assets (ROA) | 1.2018% | 1,756 |
| Pretax return on assets | 1.2018% | 2,627 |
| Return on Equity (ROE) | 13.6259% | 1,135 |
| Retained earnings to average equity (ytd only) | 1.4422% | 5,425 |
| Net charge-offs to loans | 0.0638% | 5,331 |
| Credit loss provision to net charge-offs | 43.8596% | 5,166 |
| Earnings coverage of net charge-offs (x) | 24.4730% | 1,074 |
| Efficiency ratio | 79.5274% | 2,330 |
| Assets per employee ($millions) | 1.7114% | 7,301 |
| Cash dividends to net income (ytd only)* | 89.4160% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,330 |
| Loan loss allowance to noncurrent loans | 106.9030% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 3,757 |
| Noncurrent loans to loans | 0.9235% | 5,035 |
| Net loans and leases to total assets | 74.6195% | 1,213 |
| Net loans and leases to deposits | 85.0646% | 1,823 |
| Net loans and leases to core deposits | 87.3366% | 2,582 |
| Total domestic deposits to total assets | 87.7211% | 2,218 |
| Equity capital to assets | 8.7848% | 5,995 |
| Core capital (leverage) ratio | 8.7468% | 5,344 |
| Tier 1 risk-based capital ratio | 13.2640% | 4,904 |
| Total risk-based capital ratio | 14.4040% | 4,961 |
| Memoranda: | ||
| Average total assets | $151,989,000 | 3,792 |
| Average earning assets | $138,759,500 | 3,791 |
| Average equity | $13,405,500 | 4,267 |
| Average total loans | $119,203,750 | 3,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2606% | 292 |
| Cost of funding earning assets | 0.5144% | 6,799 |
| Net interest margin | 5.7463% | 122 |
| Noninterest income to average assets | 0.6834% | 2,636 |
| Noninterest expense to average assets | 4.8298% | 423 |
| Loan and lease loss provision to assets | 0.0291% | 5,944 |
| Net operating income to assets | 1.0812% | 1,931 |
| Return on assets (ROA) | 1.0812% | 2,028 |
| Pretax return on assets | 1.0812% | 2,928 |
| Return on Equity (ROE) | 12.2421% | 1,424 |
| Retained earnings to average equity (ytd only) | -1.6014% | 6,177 |
| Net charge-offs to loans | 0.1796% | 4,090 |
| Credit loss provision to net charge-offs | 20.3704% | 5,129 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,169 |
| Efficiency ratio | 81.3084% | 2,202 |
| Assets per employee ($millions) | 1.6241% | 7,389 |
| Cash dividends to net income (ytd only)* | 113.0807% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,657 |
| Loan loss allowance to noncurrent loans | 44.8644% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.6205% | 2,543 |
| Noncurrent loans to loans | 2.0072% | 3,468 |
| Net loans and leases to total assets | 79.5633% | 577 |
| Net loans and leases to deposits | 90.8006% | 1,182 |
| Net loans and leases to core deposits | 93.2765% | 1,989 |
| Total domestic deposits to total assets | 87.6242% | 2,386 |
| Equity capital to assets | 8.7925% | 5,823 |
| Core capital (leverage) ratio | 8.6801% | 5,255 |
| Tier 1 risk-based capital ratio | 12.7442% | 5,137 |
| Total risk-based capital ratio | 13.8737% | 5,211 |
| Memoranda: | ||
| Average total assets | $151,309,330 | 3,826 |
| Average earning assets | $138,420,330 | 3,819 |
| Average equity | $13,363,670 | 4,267 |
| Average total loans | $120,244,670 | 3,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2953% | 284 |
| Cost of funding earning assets | 0.5374% | 6,841 |
| Net interest margin | 5.7579% | 116 |
| Noninterest income to average assets | 0.6445% | 2,880 |
| Noninterest expense to average assets | 4.7568% | 447 |
| Loan and lease loss provision to assets | -0.1400% | 7,495 |
| Net operating income to assets | 1.2916% | 1,291 |
| Return on assets (ROA) | 1.2916% | 1,334 |
| Pretax return on assets | 1.2916% | 2,069 |
| Return on Equity (ROE) | 14.5910% | 886 |
| Retained earnings to average equity (ytd only) | 1.1637% | 5,356 |
| Net charge-offs to loans | -0.0067% | 6,282 |
| Credit loss provision to net charge-offs | 2,650.0000% | 149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5096% | 2,440 |
| Assets per employee ($millions) | 1.6665% | 7,448 |
| Cash dividends to net income (ytd only)* | 92.0245% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,533 |
| Loan loss allowance to noncurrent loans | 111.0345% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 3,869 |
| Noncurrent loans to loans | 0.8586% | 5,324 |
| Net loans and leases to total assets | 77.2117% | 847 |
| Net loans and leases to deposits | 88.1264% | 1,450 |
| Net loans and leases to core deposits | 90.7717% | 2,266 |
| Total domestic deposits to total assets | 87.6147% | 2,600 |
| Equity capital to assets | 8.8527% | 5,415 |
| Core capital (leverage) ratio | 8.7367% | 5,024 |
| Tier 1 risk-based capital ratio | 13.1970% | 4,669 |
| Total risk-based capital ratio | 14.3589% | 4,714 |
| Memoranda: | ||
| Average total assets | $151,445,500 | 3,857 |
| Average earning assets | $138,453,000 | 3,849 |
| Average equity | $13,405,500 | 4,240 |
| Average total loans | $119,736,000 | 3,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4637% | 338 |
| Cost of funding earning assets | 0.6640% | 6,973 |
| Net interest margin | 5.7997% | 121 |
| Noninterest income to average assets | 0.7515% | 2,536 |
| Noninterest expense to average assets | 4.7998% | 497 |
| Loan and lease loss provision to assets | 0.1461% | 5,724 |
| Net operating income to assets | 1.1276% | 1,619 |
| Return on assets (ROA) | 1.1276% | 1,694 |
| Pretax return on assets | 1.1276% | 2,475 |
| Return on Equity (ROE) | 13.1132% | 1,062 |
| Retained earnings to average equity (ytd only) | 4.9984% | 2,408 |
| Net charge-offs to loans | 0.1476% | 5,471 |
| Credit loss provision to net charge-offs | 123.8889% | 3,335 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,671 |
| Efficiency ratio | 79.0291% | 2,534 |
| Assets per employee ($millions) | 1.6805% | 7,519 |
| Cash dividends to net income (ytd only)* | 61.8826% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,482 |
| Loan loss allowance to noncurrent loans | 189.3891% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 4,630 |
| Noncurrent loans to loans | 0.5130% | 6,010 |
| Net loans and leases to total assets | 79.3934% | 744 |
| Net loans and leases to deposits | 90.6378% | 1,446 |
| Net loans and leases to core deposits | 93.3645% | 2,333 |
| Total domestic deposits to total assets | 87.5941% | 2,487 |
| Equity capital to assets | 8.8507% | 5,355 |
| Core capital (leverage) ratio | 8.7635% | 4,910 |
| Tier 1 risk-based capital ratio | 12.7080% | 4,858 |
| Total risk-based capital ratio | 13.8596% | 4,908 |
| Memoranda: | ||
| Average total assets | $152,630,400 | 3,832 |
| Average earning assets | $140,058,600 | 3,818 |
| Average equity | $13,124,200 | 4,344 |
| Average total loans | $121,983,800 | 3,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4968% | 345 |
| Cost of funding earning assets | 0.6926% | 7,081 |
| Net interest margin | 5.8042% | 113 |
| Noninterest income to average assets | 0.7600% | 2,454 |
| Noninterest expense to average assets | 4.8128% | 442 |
| Loan and lease loss provision to assets | 0.1856% | 5,183 |
| Net operating income to assets | 1.0938% | 1,909 |
| Return on assets (ROA) | 1.0938% | 2,014 |
| Pretax return on assets | 1.0938% | 2,844 |
| Return on Equity (ROE) | 12.8136% | 1,310 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,641 |
| Net charge-offs to loans | 0.0960% | 5,572 |
| Credit loss provision to net charge-offs | 242.0455% | 1,396 |
| Earnings coverage of net charge-offs (x) | 16.6818% | 1,372 |
| Efficiency ratio | 78.9986% | 2,487 |
| Assets per employee ($millions) | 1.6297% | 7,632 |
| Cash dividends to net income (ytd only)* | 56.9722% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,269 |
| Loan loss allowance to noncurrent loans | 147.3684% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 4,848 |
| Noncurrent loans to loans | 0.6988% | 5,813 |
| Net loans and leases to total assets | 78.2165% | 1,002 |
| Net loans and leases to deposits | 89.0103% | 1,855 |
| Net loans and leases to core deposits | 91.6136% | 2,858 |
| Total domestic deposits to total assets | 87.8736% | 2,034 |
| Equity capital to assets | 8.5713% | 6,192 |
| Core capital (leverage) ratio | 8.8110% | 4,986 |
| Tier 1 risk-based capital ratio | 12.5184% | 4,962 |
| Total risk-based capital ratio | 13.7467% | 4,963 |
| Memoranda: | ||
| Average total assets | $152,977,250 | 3,881 |
| Average earning assets | $140,538,000 | 3,858 |
| Average equity | $13,058,750 | 4,422 |
| Average total loans | $122,166,000 | 3,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5085% | 335 |
| Cost of funding earning assets | 0.7381% | 7,100 |
| Net interest margin | 5.7705% | 124 |
| Noninterest income to average assets | 0.7298% | 2,519 |
| Noninterest expense to average assets | 4.9290% | 399 |
| Loan and lease loss provision to assets | 0.0774% | 6,167 |
| Net operating income to assets | 1.0291% | 2,085 |
| Return on assets (ROA) | 1.0291% | 2,161 |
| Pretax return on assets | 1.0291% | 3,012 |
| Return on Equity (ROE) | 12.0724% | 1,434 |
| Retained earnings to average equity (ytd only) | 6.0670% | 2,297 |
| Net charge-offs to loans | 0.0737% | 5,407 |
| Credit loss provision to net charge-offs | 131.1111% | 3,075 |
| Earnings coverage of net charge-offs (x) | 18.7333% | 1,279 |
| Efficiency ratio | 81.6659% | 2,214 |
| Assets per employee ($millions) | 1.5807% | 7,708 |
| Cash dividends to net income (ytd only)* | 49.7449% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,541 |
| Loan loss allowance to noncurrent loans | 86.3867% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 4,895 |
| Noncurrent loans to loans | 1.1184% | 5,087 |
| Net loans and leases to total assets | 81.4345% | 606 |
| Net loans and leases to deposits | 92.9798% | 1,393 |
| Net loans and leases to core deposits | 96.1731% | 2,421 |
| Total domestic deposits to total assets | 87.5831% | 2,211 |
| Equity capital to assets | 8.7397% | 5,824 |
| Core capital (leverage) ratio | 8.7242% | 5,042 |
| Tier 1 risk-based capital ratio | 12.2492% | 5,076 |
| Total risk-based capital ratio | 13.4037% | 5,149 |
| Memoranda: | ||
| Average total assets | $152,363,330 | 3,915 |
| Average earning assets | $140,092,670 | 3,903 |
| Average equity | $12,988,330 | 4,444 |
| Average total loans | $122,103,330 | 3,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4621% | 389 |
| Cost of funding earning assets | 0.7476% | 7,237 |
| Net interest margin | 5.7145% | 138 |
| Noninterest income to average assets | 0.7142% | 2,504 |
| Noninterest expense to average assets | 4.8976% | 397 |
| Loan and lease loss provision to assets | 0.0052% | 6,532 |
| Net operating income to assets | 1.0713% | 1,928 |
| Return on assets (ROA) | 1.0713% | 2,001 |
| Pretax return on assets | 1.0713% | 2,833 |
| Return on Equity (ROE) | 12.7240% | 1,319 |
| Retained earnings to average equity (ytd only) | 11.7952% | 782 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9808% | 2,271 |
| Assets per employee ($millions) | 1.6014% | 7,806 |
| Cash dividends to net income (ytd only)* | 7.2993% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,606 |
| Loan loss allowance to noncurrent loans | 134.6375% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 5,327 |
| Noncurrent loans to loans | 0.7198% | 5,884 |
| Net loans and leases to total assets | 77.7722% | 1,194 |
| Net loans and leases to deposits | 89.1826% | 2,037 |
| Net loans and leases to core deposits | 94.0743% | 2,833 |
| Total domestic deposits to total assets | 87.2056% | 2,525 |
| Equity capital to assets | 8.5285% | 5,963 |
| Core capital (leverage) ratio | 8.6466% | 5,122 |
| Tier 1 risk-based capital ratio | 12.4174% | 4,823 |
| Total risk-based capital ratio | 13.5766% | 4,838 |
| Memoranda: | ||
| Average total assets | $153,462,000 | 3,951 |
| Average earning assets | $141,254,500 | 3,936 |
| Average equity | $12,920,500 | 4,495 |
| Average total loans | $121,415,000 | 3,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2450% | 190 |
| Cost of funding earning assets | 0.8049% | 7,545 |
| Net interest margin | 6.4401% | 76 |
| Noninterest income to average assets | 0.7871% | 2,469 |
| Noninterest expense to average assets | 5.1811% | 464 |
| Loan and lease loss provision to assets | 0.4577% | 4,083 |
| Net operating income to assets | 1.0718% | 1,589 |
| Return on assets (ROA) | 1.0718% | 1,636 |
| Pretax return on assets | 1.0718% | 2,338 |
| Return on Equity (ROE) | 12.4154% | 1,069 |
| Retained earnings to average equity (ytd only) | -1.3236% | 5,354 |
| Net charge-offs to loans | 0.5281% | 3,672 |
| Credit loss provision to net charge-offs | 109.9518% | 5,007 |
| Earnings coverage of net charge-offs (x) | 3.6742% | 3,250 |
| Efficiency ratio | 77.2080% | 3,325 |
| Assets per employee ($millions) | 1.6297% | 7,871 |
| Cash dividends to net income (ytd only)* | 110.6608% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 6,707 |
| Loan loss allowance to noncurrent loans | 102.8080% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 5,301 |
| Noncurrent loans to loans | 0.9042% | 5,501 |
| Net loans and leases to total assets | 78.9625% | 1,190 |
| Net loans and leases to deposits | 90.4452% | 2,149 |
| Net loans and leases to core deposits | 102.4519% | 3,752 |
| Total domestic deposits to total assets | 87.3043% | 2,323 |
| Equity capital to assets | 8.3098% | 6,184 |
| Core capital (leverage) ratio | 8.5362% | 5,224 |
| Tier 1 risk-based capital ratio | 12.0084% | 4,938 |
| Total risk-based capital ratio | 13.1611% | 4,977 |
| Memoranda: | ||
| Average total assets | $149,660,600 | 3,963 |
| Average earning assets | $137,653,800 | 3,947 |
| Average equity | $12,919,400 | 4,528 |
| Average total loans | $117,962,400 | 3,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3436% | 178 |
| Cost of funding earning assets | 0.8097% | 7,679 |
| Net interest margin | 6.5339% | 70 |
| Noninterest income to average assets | 0.8218% | 2,323 |
| Noninterest expense to average assets | 5.2032% | 426 |
| Loan and lease loss provision to assets | 0.3441% | 4,260 |
| Net operating income to assets | 1.2842% | 1,258 |
| Return on assets (ROA) | 1.2842% | 1,331 |
| Pretax return on assets | 1.2842% | 1,994 |
| Return on Equity (ROE) | 14.7348% | 804 |
| Retained earnings to average equity (ytd only) | 1.4190% | 4,520 |
| Net charge-offs to loans | 0.4116% | 3,612 |
| Credit loss provision to net charge-offs | 106.3712% | 4,784 |
| Earnings coverage of net charge-offs (x) | 5.0333% | 2,946 |
| Efficiency ratio | 76.1642% | 3,483 |
| Assets per employee ($millions) | 1.5269% | 7,979 |
| Cash dividends to net income (ytd only)* | 90.3696% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,612 |
| Loan loss allowance to noncurrent loans | 146.4286% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 5,532 |
| Noncurrent loans to loans | 0.6400% | 6,016 |
| Net loans and leases to total assets | 79.0079% | 1,393 |
| Net loans and leases to deposits | 91.2957% | 2,346 |
| Net loans and leases to core deposits | 103.4220% | 4,004 |
| Total domestic deposits to total assets | 86.5407% | 2,409 |
| Equity capital to assets | 8.8007% | 5,792 |
| Core capital (leverage) ratio | 8.7560% | 5,042 |
| Tier 1 risk-based capital ratio | 12.5463% | 4,502 |
| Total risk-based capital ratio | 13.6857% | 4,550 |
| Memoranda: | ||
| Average total assets | $148,777,500 | 3,993 |
| Average earning assets | $136,841,500 | 3,988 |
| Average equity | $12,966,750 | 4,545 |
| Average total loans | $116,928,000 | 3,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3687% | 186 |
| Cost of funding earning assets | 0.8239% | 7,790 |
| Net interest margin | 6.5448% | 68 |
| Noninterest income to average assets | 0.7960% | 2,432 |
| Noninterest expense to average assets | 5.1906% | 456 |
| Loan and lease loss provision to assets | 0.3812% | 3,639 |
| Net operating income to assets | 1.2483% | 1,363 |
| Return on assets (ROA) | 1.2483% | 1,437 |
| Pretax return on assets | 1.2483% | 2,169 |
| Return on Equity (ROE) | 14.3696% | 930 |
| Retained earnings to average equity (ytd only) | 1.7769% | 4,349 |
| Net charge-offs to loans | 0.4634% | 2,975 |
| Credit loss provision to net charge-offs | 105.1852% | 4,375 |
| Earnings coverage of net charge-offs (x) | 4.4963% | 3,084 |
| Efficiency ratio | 76.1071% | 3,674 |
| Assets per employee ($millions) | 1.4583% | 8,081 |
| Cash dividends to net income (ytd only)* | 87.6344% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,711 |
| Loan loss allowance to noncurrent loans | 133.4161% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 6,001 |
| Noncurrent loans to loans | 0.6851% | 5,877 |
| Net loans and leases to total assets | 76.7674% | 1,997 |
| Net loans and leases to deposits | 88.4307% | 3,101 |
| Net loans and leases to core deposits | 100.8602% | 4,417 |
| Total domestic deposits to total assets | 86.8108% | 2,356 |
| Equity capital to assets | 8.5796% | 5,930 |
| Core capital (leverage) ratio | 8.5904% | 5,280 |
| Tier 1 risk-based capital ratio | 12.4559% | 4,554 |
| Total risk-based capital ratio | 13.5804% | 4,575 |
| Memoranda: | ||
| Average total assets | $148,999,000 | 4,012 |
| Average earning assets | $137,147,670 | 4,004 |
| Average equity | $12,944,000 | 4,557 |
| Average total loans | $116,528,000 | 3,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4645% | 173 |
| Cost of funding earning assets | 0.8641% | 7,852 |
| Net interest margin | 6.6003% | 69 |
| Noninterest income to average assets | 0.7937% | 2,359 |
| Noninterest expense to average assets | 5.2550% | 411 |
| Loan and lease loss provision to assets | 0.4334% | 2,760 |
| Net operating income to assets | 1.1675% | 1,750 |
| Return on assets (ROA) | 1.1675% | 1,862 |
| Pretax return on assets | 1.1675% | 2,735 |
| Return on Equity (ROE) | 13.3540% | 1,306 |
| Retained earnings to average equity (ytd only) | 0.9605% | 5,263 |
| Net charge-offs to loans | 0.5481% | 2,086 |
| Credit loss provision to net charge-offs | 100.6289% | 3,702 |
| Earnings coverage of net charge-offs (x) | 3.7170% | 3,090 |
| Efficiency ratio | 76.6495% | 3,379 |
| Assets per employee ($millions) | 1.4440% | 8,126 |
| Cash dividends to net income (ytd only)* | 92.8074% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 6,591 |
| Loan loss allowance to noncurrent loans | 773.5714% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 6,964 |
| Noncurrent loans to loans | 0.1206% | 7,176 |
| Net loans and leases to total assets | 75.8628% | 2,297 |
| Net loans and leases to deposits | 90.2092% | 2,897 |
| Net loans and leases to core deposits | 103.2810% | 4,216 |
| Total domestic deposits to total assets | 84.0965% | 3,658 |
| Equity capital to assets | 8.5259% | 6,035 |
| Core capital (leverage) ratio | 8.7884% | 5,013 |
| Tier 1 risk-based capital ratio | 12.2896% | 4,713 |
| Total risk-based capital ratio | 13.3940% | 4,725 |
| Memoranda: | ||
| Average total assets | $147,667,500 | 4,052 |
| Average earning assets | $135,629,500 | 4,041 |
| Average equity | $12,910,000 | 4,602 |
| Average total loans | $116,041,500 | 3,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8420% | 78 |
| Cost of funding earning assets | 1.2593% | 7,884 |
| Net interest margin | 7.5827% | 44 |
| Noninterest income to average assets | 0.9095% | 1,921 |
| Noninterest expense to average assets | 5.4113% | 521 |
| Loan and lease loss provision to assets | 0.3400% | 3,670 |
| Net operating income to assets | 2.0288% | 327 |
| Return on assets (ROA) | 2.0288% | 310 |
| Pretax return on assets | 2.0288% | 558 |
| Return on Equity (ROE) | 23.0437% | 211 |
| Retained earnings to average equity (ytd only) | -2.8209% | 6,060 |
| Net charge-offs to loans | 0.4452% | 2,604 |
| Credit loss provision to net charge-offs | 92.0455% | 5,632 |
| Earnings coverage of net charge-offs (x) | 6.4129% | 3,363 |
| Efficiency ratio | 69.5531% | 4,436 |
| Assets per employee ($millions) | 1.3819% | 8,187 |
| Cash dividends to net income (ytd only)* | 112.2414% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,287 |
| Loan loss allowance to noncurrent loans | 307.1233% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,226 |
| Noncurrent loans to loans | 0.3147% | 6,431 |
| Net loans and leases to total assets | 79.9191% | 1,684 |
| Net loans and leases to deposits | 94.9992% | 2,612 |
| Net loans and leases to core deposits | 110.0956% | 3,773 |
| Total domestic deposits to total assets | 84.1261% | 3,256 |
| Equity capital to assets | 8.9713% | 5,404 |
| Core capital (leverage) ratio | 8.9490% | 4,812 |
| Tier 1 risk-based capital ratio | 12.2321% | 4,646 |
| Total risk-based capital ratio | 13.3321% | 4,638 |
| Memoranda: | ||
| Average total assets | $142,940,800 | 4,025 |
| Average earning assets | $129,518,600 | 4,049 |
| Average equity | $12,584,800 | 4,679 |
| Average total loans | $118,593,200 | 3,499 |