Home > Blue Sky Bank > Performance and Condition Ratios
Blue Sky Bank, 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 | 7.1413% | 277 |
| Cost of funding earning assets | 2.7386% | 553 |
| Net interest margin | 4.4027% | 742 |
| Noninterest income to average assets | 0.5400% | 1,566 |
| Noninterest expense to average assets | 3.2185% | 856 |
| Loan and lease loss provision to assets | 0.3300% | 318 |
| Net operating income to assets | 0.7794% | 2,897 |
| Return on assets (ROA) | 0.7750% | 2,914 |
| Pretax return on assets | 1.0238% | 2,684 |
| Return on Equity (ROE) | 8.0200% | 2,856 |
| Retained earnings to average equity (ytd only) | -0.4938% | 3,790 |
| Net charge-offs to loans | 1.3096% | 114 |
| Credit loss provision to net charge-offs | 31.0990% | 1,622 |
| Earnings coverage of net charge-offs (x) | 1.2509% | 2,159 |
| Efficiency ratio | 68.1965% | 2,021 |
| Assets per employee ($millions) | 7.4131% | 1,932 |
| Cash dividends to net income (ytd only)* | 106.1571% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,587 |
| Loan loss allowance to noncurrent loans | 98.4119% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.8587% | 272 |
| Noncurrent loans to loans | 1.3470% | 760 |
| Net loans and leases to total assets | 82.3400% | 372 |
| Net loans and leases to deposits | 94.2335% | 750 |
| Net loans and leases to core deposits | 116.4475% | 643 |
| Total domestic deposits to total assets | 87.3800% | 1,779 |
| Equity capital to assets | 9.5067% | 2,568 |
| Core capital (leverage) ratio | 9.0678% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,215,481,000 | 874 |
| Average earning assets | $1,117,052,000 | 869 |
| Average equity | $117,446,500 | 915 |
| Average total loans | $1,011,596,000 | 764 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6943% | 206 |
| Cost of funding earning assets | 2.9688% | 529 |
| Net interest margin | 4.7255% | 481 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 3.3249% | 735 |
| Loan and lease loss provision to assets | 0.2400% | 529 |
| Net operating income to assets | 1.8799% | 486 |
| Return on assets (ROA) | 1.8873% | 480 |
| Pretax return on assets | 1.7544% | 891 |
| Return on Equity (ROE) | 19.3100% | 451 |
| Retained earnings to average equity (ytd only) | 8.0703% | 1,096 |
| Net charge-offs to loans | -0.0046% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.7784% | 3,077 |
| Assets per employee ($millions) | 7.0590% | 2,122 |
| Cash dividends to net income (ytd only)* | 58.1967% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 773 |
| Loan loss allowance to noncurrent loans | 142.3848% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 281 |
| Noncurrent loans to loans | 1.1333% | 889 |
| Net loans and leases to total assets | 81.6500% | 477 |
| Net loans and leases to deposits | 92.5402% | 989 |
| Net loans and leases to core deposits | 114.7208% | 772 |
| Total domestic deposits to total assets | 88.2400% | 1,422 |
| Equity capital to assets | 9.8242% | 2,238 |
| Core capital (leverage) ratio | 9.3477% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,153,529,000 | 903 |
| Average earning assets | $1,065,764,400 | 895 |
| Average equity | $112,771,000 | 915 |
| Average total loans | $956,289,400 | 789 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7102% | 206 |
| Cost of funding earning assets | 3.0157% | 497 |
| Net interest margin | 4.6945% | 494 |
| Noninterest income to average assets | 1.0600% | 538 |
| Noninterest expense to average assets | 3.3479% | 689 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 2.1400% | 350 |
| Return on assets (ROA) | 2.1485% | 353 |
| Pretax return on assets | 1.8478% | 813 |
| Return on Equity (ROE) | 22.0000% | 307 |
| Retained earnings to average equity (ytd only) | 10.9003% | 668 |
| Net charge-offs to loans | -0.0149% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.0927% | 3,152 |
| Assets per employee ($millions) | 6.9457% | 2,184 |
| Cash dividends to net income (ytd only)* | 50.4639% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 927 |
| Loan loss allowance to noncurrent loans | 192.9942% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 362 |
| Noncurrent loans to loans | 0.8061% | 1,240 |
| Net loans and leases to total assets | 82.9100% | 332 |
| Net loans and leases to deposits | 94.6868% | 814 |
| Net loans and leases to core deposits | 120.3302% | 610 |
| Total domestic deposits to total assets | 87.5700% | 1,393 |
| Equity capital to assets | 10.0959% | 2,236 |
| Core capital (leverage) ratio | 9.5057% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,143,667,000 | 894 |
| Average earning assets | $1,059,730,750 | 892 |
| Average equity | $111,663,500 | 919 |
| Average total loans | $947,839,000 | 785 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5945% | 218 |
| Cost of funding earning assets | 2.9917% | 479 |
| Net interest margin | 4.6028% | 543 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 3.2976% | 728 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.9133% | 504 |
| Return on assets (ROA) | 1.9133% | 506 |
| Pretax return on assets | 1.9133% | 730 |
| Return on Equity (ROE) | 19.8300% | 464 |
| Retained earnings to average equity (ytd only) | 8.3327% | 1,277 |
| Net charge-offs to loans | -0.0186% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.9485% | 3,115 |
| Assets per employee ($millions) | 6.9631% | 2,100 |
| Cash dividends to net income (ytd only)* | 57.9737% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,345 |
| Loan loss allowance to noncurrent loans | 91.1449% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 394 |
| Noncurrent loans to loans | 1.5460% | 555 |
| Net loans and leases to total assets | 82.3100% | 449 |
| Net loans and leases to deposits | 92.1356% | 1,108 |
| Net loans and leases to core deposits | 114.7843% | 804 |
| Total domestic deposits to total assets | 89.3300% | 905 |
| Equity capital to assets | 9.7058% | 2,262 |
| Core capital (leverage) ratio | 9.0481% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,135,932,667 | 903 |
| Average earning assets | $1,053,364,333 | 892 |
| Average equity | $109,616,000 | 926 |
| Average total loans | $936,188,333 | 795 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 106,759.0000% | 15 |
| Cost of funding earning assets | 198.0000% | 13 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 2.1663% | 363 |
| Pretax return on assets | 2.1663% | 507 |
| Return on Equity (ROE) | 22.5200% | 309 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0011% | 2,190 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 0.0000% | 4,561 |
| Assets per employee ($millions) | 0.0801% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 577 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 7,332.0000% | 22 |
| Total domestic deposits to total assets | 58.0000% | 4,435 |
| Equity capital to assets | 7,343.0000% | 38 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $280,000 | 4,586 |
| Average earning assets | $7,331 | 4,552 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0989% | 206 |
| Cost of funding earning assets | 2.0588% | 836 |
| Net interest margin | 5.0402% | 302 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.2567% | 772 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 2.0656% | 424 |
| Return on assets (ROA) | 2.0877% | 395 |
| Pretax return on assets | 2.0877% | 585 |
| Return on Equity (ROE) | 21.6800% | 479 |
| Retained earnings to average equity (ytd only) | 13.9625% | 403 |
| Net charge-offs to loans | 0.0291% | 1,718 |
| Credit loss provision to net charge-offs | 586.5546% | 602 |
| Earnings coverage of net charge-offs (x) | 95.2353% | 924 |
| Efficiency ratio | 57.5051% | 3,342 |
| Assets per employee ($millions) | 7.4475% | 1,768 |
| Cash dividends to net income (ytd only)* | 35.5847% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,165 |
| Loan loss allowance to noncurrent loans | 150.1278% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 602 |
| Noncurrent loans to loans | 0.9747% | 760 |
| Net loans and leases to total assets | 79.8400% | 657 |
| Net loans and leases to deposits | 91.4673% | 1,142 |
| Net loans and leases to core deposits | 118.0427% | 686 |
| Total domestic deposits to total assets | 87.2900% | 1,591 |
| Equity capital to assets | 9.3421% | 2,465 |
| Core capital (leverage) ratio | 9.1972% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,029,741,600 | 962 |
| Average earning assets | $943,422,400 | 961 |
| Average equity | $99,180,200 | 952 |
| Average total loans | $818,289,600 | 853 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6685% | 259 |
| Cost of funding earning assets | 1.8109% | 990 |
| Net interest margin | 4.8576% | 378 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 3.3242% | 699 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.7477% | 732 |
| Return on assets (ROA) | 1.7450% | 723 |
| Pretax return on assets | 1.7450% | 1,095 |
| Return on Equity (ROE) | 17.9600% | 953 |
| Retained earnings to average equity (ytd only) | 10.5349% | 1,257 |
| Net charge-offs to loans | 0.0409% | 1,303 |
| Credit loss provision to net charge-offs | 368.7243% | 761 |
| Earnings coverage of net charge-offs (x) | 57.7531% | 1,225 |
| Efficiency ratio | 61.6492% | 2,761 |
| Assets per employee ($millions) | 6.9601% | 1,981 |
| Cash dividends to net income (ytd only)* | 41.3554% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,034 |
| Loan loss allowance to noncurrent loans | 146.7171% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 606 |
| Noncurrent loans to loans | 1.0428% | 771 |
| Net loans and leases to total assets | 79.1200% | 748 |
| Net loans and leases to deposits | 89.2335% | 1,293 |
| Net loans and leases to core deposits | 111.5218% | 818 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 9.2518% | 2,259 |
| Core capital (leverage) ratio | 9.1898% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,002,311,250 | 984 |
| Average earning assets | $917,249,250 | 981 |
| Average equity | $97,362,750 | 961 |
| Average total loans | $792,046,000 | 870 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4473% | 276 |
| Cost of funding earning assets | 1.5642% | 1,138 |
| Net interest margin | 4.8831% | 355 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.2587% | 734 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.9031% | 558 |
| Return on assets (ROA) | 1.8990% | 555 |
| Pretax return on assets | 1.8990% | 872 |
| Return on Equity (ROE) | 19.2200% | 804 |
| Retained earnings to average equity (ytd only) | 12.6884% | 858 |
| Net charge-offs to loans | -0.0212% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.2741% | 2,931 |
| Assets per employee ($millions) | 6.4949% | 2,292 |
| Cash dividends to net income (ytd only)* | 33.9899% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 914 |
| Loan loss allowance to noncurrent loans | 626.1682% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 1,882 |
| Noncurrent loans to loans | 0.2571% | 2,235 |
| Net loans and leases to total assets | 77.7800% | 858 |
| Net loans and leases to deposits | 90.5910% | 1,134 |
| Net loans and leases to core deposits | 109.9785% | 828 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 9.8209% | 1,965 |
| Core capital (leverage) ratio | 9.4256% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $983,771,000 | 990 |
| Average earning assets | $897,864,000 | 996 |
| Average equity | $97,191,000 | 958 |
| Average total loans | $772,724,000 | 867 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2715% | 231 |
| Cost of funding earning assets | 1.3172% | 1,196 |
| Net interest margin | 4.9543% | 315 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.3457% | 659 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.9608% | 522 |
| Return on assets (ROA) | 1.9526% | 522 |
| Pretax return on assets | 1.9526% | 844 |
| Return on Equity (ROE) | 19.4300% | 821 |
| Retained earnings to average equity (ytd only) | 14.1200% | 923 |
| Net charge-offs to loans | -0.0147% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2417% | 2,929 |
| Assets per employee ($millions) | 6.4388% | 2,375 |
| Cash dividends to net income (ytd only)* | 27.3281% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,006 |
| Loan loss allowance to noncurrent loans | 795.3016% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 1,764 |
| Noncurrent loans to loans | 0.2012% | 2,466 |
| Net loans and leases to total assets | 78.1900% | 745 |
| Net loans and leases to deposits | 89.2097% | 1,116 |
| Net loans and leases to core deposits | 105.9344% | 840 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 9.8400% | 1,909 |
| Core capital (leverage) ratio | 9.5287% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $974,511,000 | 1,010 |
| Average earning assets | $889,163,500 | 1,023 |
| Average equity | $97,932,000 | 964 |
| Average total loans | $763,853,000 | 894 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 234 |
| Cost of funding earning assets | 0.5584% | 1,073 |
| Net interest margin | 4.6039% | 245 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 3.0945% | 841 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6380% | 626 |
| Return on assets (ROA) | 1.6344% | 600 |
| Pretax return on assets | 1.6344% | 1,071 |
| Return on Equity (ROE) | 16.9600% | 868 |
| Retained earnings to average equity (ytd only) | -12.7672% | 4,658 |
| Net charge-offs to loans | -0.2204% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5733% | 2,557 |
| Assets per employee ($millions) | 6.9526% | 2,009 |
| Cash dividends to net income (ytd only)* | 175.2832% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,767 |
| Loan loss allowance to noncurrent loans | 8,112.9412% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,024 |
| Noncurrent loans to loans | 0.0164% | 3,718 |
| Net loans and leases to total assets | 76.7700% | 922 |
| Net loans and leases to deposits | 86.3095% | 1,290 |
| Net loans and leases to core deposits | 105.6781% | 760 |
| Total domestic deposits to total assets | 88.9400% | 1,737 |
| Equity capital to assets | 9.1260% | 2,279 |
| Core capital (leverage) ratio | 9.2661% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $567,106,400 | 1,568 |
| Average earning assets | $526,839,000 | 1,562 |
| Average equity | $54,655,600 | 1,507 |
| Average total loans | $428,782,000 | 1,314 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 297 |
| Cost of funding earning assets | 0.3706% | 1,521 |
| Net interest margin | 4.4046% | 279 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.0276% | 873 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3928% | 1,114 |
| Return on assets (ROA) | 1.3883% | 1,090 |
| Pretax return on assets | 1.3883% | 1,748 |
| Return on Equity (ROE) | 14.1700% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.0839% | 1,967 |
| Net charge-offs to loans | -0.2278% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7635% | 2,186 |
| Assets per employee ($millions) | 7.0270% | 1,920 |
| Cash dividends to net income (ytd only)* | 42.9660% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,766 |
| Loan loss allowance to noncurrent loans | 7,465.5172% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,184 |
| Noncurrent loans to loans | 0.0182% | 3,792 |
| Net loans and leases to total assets | 77.1300% | 790 |
| Net loans and leases to deposits | 89.3329% | 940 |
| Net loans and leases to core deposits | 112.2677% | 405 |
| Total domestic deposits to total assets | 86.3400% | 2,972 |
| Equity capital to assets | 8.1595% | 2,788 |
| Core capital (leverage) ratio | 9.0839% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $542,021,250 | 1,638 |
| Average earning assets | $504,425,500 | 1,632 |
| Average equity | $53,091,750 | 1,562 |
| Average total loans | $406,159,250 | 1,363 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 313 |
| Cost of funding earning assets | 0.2345% | 2,451 |
| Net interest margin | 4.3587% | 245 |
| Noninterest income to average assets | 0.3927% | 2,802 |
| Noninterest expense to average assets | 2.9747% | 874 |
| Loan and lease loss provision to assets | 0.0482% | 1,711 |
| Net operating income to assets | 1.4103% | 886 |
| Return on assets (ROA) | 1.4103% | 860 |
| Pretax return on assets | 1.4103% | 1,410 |
| Return on Equity (ROE) | 13.5115% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.5109% | 1,808 |
| Net charge-offs to loans | -0.3616% | 4,663 |
| Credit loss provision to net charge-offs | -18.0897% | 2,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3624% | 2,462 |
| Assets per employee ($millions) | 6.7457% | 2,122 |
| Cash dividends to net income (ytd only)* | 44.4110% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,433 |
| Loan loss allowance to noncurrent loans | 1,268.4000% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,625 |
| Noncurrent loans to loans | 0.1176% | 3,145 |
| Net loans and leases to total assets | 76.6669% | 664 |
| Net loans and leases to deposits | 88.7213% | 792 |
| Net loans and leases to core deposits | 99.2088% | 699 |
| Total domestic deposits to total assets | 86.4132% | 3,140 |
| Equity capital to assets | 9.2280% | 2,212 |
| Core capital (leverage) ratio | 9.7908% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $518,911,333 | 1,697 |
| Average earning assets | $481,013,333 | 1,695 |
| Average equity | $54,161,333 | 1,574 |
| Average total loans | $382,194,333 | 1,433 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 259 |
| Cost of funding earning assets | 0.2116% | 2,645 |
| Net interest margin | 4.3874% | 203 |
| Noninterest income to average assets | 0.3881% | 2,768 |
| Noninterest expense to average assets | 2.9816% | 844 |
| Loan and lease loss provision to assets | 0.0426% | 1,592 |
| Net operating income to assets | 1.4053% | 788 |
| Return on assets (ROA) | 1.4053% | 783 |
| Pretax return on assets | 1.4053% | 1,237 |
| Return on Equity (ROE) | 12.6109% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.5002% | 2,074 |
| Net charge-offs to loans | -0.5598% | 4,716 |
| Credit loss provision to net charge-offs | -10.1626% | 2,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7179% | 2,672 |
| Assets per employee ($millions) | 6.7821% | 2,162 |
| Cash dividends to net income (ytd only)* | 48.4555% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,113 |
| Loan loss allowance to noncurrent loans | 564.9907% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 1,894 |
| Noncurrent loans to loans | 0.2947% | 2,410 |
| Net loans and leases to total assets | 75.4863% | 541 |
| Net loans and leases to deposits | 87.1681% | 668 |
| Net loans and leases to core deposits | 94.6261% | 707 |
| Total domestic deposits to total assets | 86.5985% | 3,074 |
| Equity capital to assets | 10.7417% | 1,471 |
| Core capital (leverage) ratio | 10.0256% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,947,000 | 1,828 |
| Average earning assets | $432,871,500 | 1,847 |
| Average equity | $52,367,500 | 1,664 |
| Average total loans | $351,525,000 | 1,517 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 442 |
| Cost of funding earning assets | 0.2950% | 2,451 |
| Net interest margin | 4.3765% | 350 |
| Noninterest income to average assets | 0.4317% | 2,894 |
| Noninterest expense to average assets | 2.7466% | 1,488 |
| Loan and lease loss provision to assets | 0.2039% | 516 |
| Net operating income to assets | 1.5243% | 970 |
| Return on assets (ROA) | 1.5258% | 1,003 |
| Pretax return on assets | 1.5261% | 1,636 |
| Return on Equity (ROE) | 12.8314% | 1,514 |
| Retained earnings to average equity (ytd only) | 0.1814% | 4,445 |
| Net charge-offs to loans | -0.0146% | 3,863 |
| Credit loss provision to net charge-offs | -1,890.0000% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7733% | 3,030 |
| Assets per employee ($millions) | 6.8404% | 2,038 |
| Cash dividends to net income (ytd only)* | 98.5860% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,192 |
| Loan loss allowance to noncurrent loans | 612.6386% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 2,174 |
| Noncurrent loans to loans | 0.2664% | 2,651 |
| Net loans and leases to total assets | 71.6090% | 870 |
| Net loans and leases to deposits | 81.4427% | 1,106 |
| Net loans and leases to core deposits | 88.8019% | 1,028 |
| Total domestic deposits to total assets | 87.9255% | 2,086 |
| Equity capital to assets | 11.5531% | 1,481 |
| Core capital (leverage) ratio | 9.8282% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,480,400 | 1,802 |
| Average earning assets | $428,192,200 | 1,808 |
| Average equity | $55,114,800 | 1,630 |
| Average total loans | $342,097,600 | 1,549 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 448 |
| Cost of funding earning assets | 0.3134% | 2,471 |
| Net interest margin | 4.4341% | 354 |
| Noninterest income to average assets | 0.4227% | 2,966 |
| Noninterest expense to average assets | 2.7621% | 1,427 |
| Loan and lease loss provision to assets | 0.2721% | 311 |
| Net operating income to assets | 1.4949% | 1,283 |
| Return on assets (ROA) | 1.4995% | 1,320 |
| Pretax return on assets | 1.4998% | 1,990 |
| Return on Equity (ROE) | 12.5207% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.9912% | 2,422 |
| Net charge-offs to loans | -0.0237% | 4,039 |
| Credit loss provision to net charge-offs | -1,549.1803% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3840% | 2,933 |
| Assets per employee ($millions) | 6.8625% | 1,964 |
| Cash dividends to net income (ytd only)* | 44.1628% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,295 |
| Loan loss allowance to noncurrent loans | 1,094.2688% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,830 |
| Noncurrent loans to loans | 0.1478% | 3,380 |
| Net loans and leases to total assets | 72.1791% | 857 |
| Net loans and leases to deposits | 84.8387% | 901 |
| Net loans and leases to core deposits | 92.9014% | 874 |
| Total domestic deposits to total assets | 85.0780% | 3,089 |
| Equity capital to assets | 12.1832% | 1,319 |
| Core capital (leverage) ratio | 10.4607% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,063,750 | 1,818 |
| Average earning assets | $428,876,500 | 1,826 |
| Average equity | $55,458,750 | 1,638 |
| Average total loans | $342,968,750 | 1,573 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 382 |
| Cost of funding earning assets | 0.3354% | 2,441 |
| Net interest margin | 4.5986% | 308 |
| Noninterest income to average assets | 0.4070% | 3,071 |
| Noninterest expense to average assets | 2.7363% | 1,489 |
| Loan and lease loss provision to assets | 0.3832% | 179 |
| Net operating income to assets | 1.5377% | 1,197 |
| Return on assets (ROA) | 1.5446% | 1,243 |
| Pretax return on assets | 1.5450% | 1,887 |
| Return on Equity (ROE) | 12.9723% | 1,725 |
| Retained earnings to average equity (ytd only) | 7.3353% | 2,312 |
| Net charge-offs to loans | -0.0385% | 4,255 |
| Credit loss provision to net charge-offs | -1,340.9091% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1629% | 3,260 |
| Assets per employee ($millions) | 6.6622% | 2,047 |
| Cash dividends to net income (ytd only)* | 43.4539% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 1,397 |
| Loan loss allowance to noncurrent loans | 1,510.1928% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,172 |
| Noncurrent loans to loans | 0.1032% | 3,670 |
| Net loans and leases to total assets | 74.2499% | 727 |
| Net loans and leases to deposits | 87.1603% | 835 |
| Net loans and leases to core deposits | 94.9611% | 859 |
| Total domestic deposits to total assets | 85.1877% | 3,023 |
| Equity capital to assets | 12.0314% | 1,343 |
| Core capital (leverage) ratio | 10.1886% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,867,667 | 1,813 |
| Average earning assets | $426,916,667 | 1,824 |
| Average equity | $54,994,000 | 1,644 |
| Average total loans | $343,171,000 | 1,581 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 256 |
| Cost of funding earning assets | 0.3475% | 2,540 |
| Net interest margin | 4.8923% | 213 |
| Noninterest income to average assets | 0.3821% | 3,189 |
| Noninterest expense to average assets | 2.7031% | 1,614 |
| Loan and lease loss provision to assets | 0.7180% | 73 |
| Net operating income to assets | 1.4690% | 1,395 |
| Return on assets (ROA) | 1.4420% | 1,531 |
| Pretax return on assets | 1.4429% | 2,160 |
| Return on Equity (ROE) | 12.1757% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.6646% | 2,675 |
| Net charge-offs to loans | -0.0106% | 3,690 |
| Credit loss provision to net charge-offs | -9,166.6667% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7153% | 3,712 |
| Assets per employee ($millions) | 7.2226% | 1,624 |
| Cash dividends to net income (ytd only)* | 45.2625% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,019.9620% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 3,185 |
| Noncurrent loans to loans | 0.1477% | 3,587 |
| Net loans and leases to total assets | 74.7292% | 742 |
| Net loans and leases to deposits | 89.4395% | 731 |
| Net loans and leases to core deposits | 96.9789% | 841 |
| Total domestic deposits to total assets | 83.5528% | 3,555 |
| Equity capital to assets | 11.6293% | 1,477 |
| Core capital (leverage) ratio | 10.1406% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,624,000 | 1,809 |
| Average earning assets | $423,605,500 | 1,829 |
| Average equity | $54,436,500 | 1,646 |
| Average total loans | $338,881,500 | 1,600 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 347 |
| Cost of funding earning assets | 0.6115% | 2,229 |
| Net interest margin | 4.5650% | 286 |
| Noninterest income to average assets | 0.4720% | 2,767 |
| Noninterest expense to average assets | 2.8090% | 1,919 |
| Loan and lease loss provision to assets | 0.4329% | 663 |
| Net operating income to assets | 1.4643% | 889 |
| Return on assets (ROA) | 1.5091% | 861 |
| Pretax return on assets | 1.4640% | 1,455 |
| Return on Equity (ROE) | 11.7168% | 1,401 |
| Retained earnings to average equity (ytd only) | 4.9331% | 2,302 |
| Net charge-offs to loans | 0.1143% | 1,337 |
| Credit loss provision to net charge-offs | 536.4198% | 1,195 |
| Earnings coverage of net charge-offs (x) | 22.9506% | 1,826 |
| Efficiency ratio | 59.5971% | 3,507 |
| Assets per employee ($millions) | 7.0278% | 1,569 |
| Cash dividends to net income (ytd only)* | 57.8973% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,936 |
| Loan loss allowance to noncurrent loans | 704.6656% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,189 |
| Noncurrent loans to loans | 0.2000% | 3,495 |
| Net loans and leases to total assets | 70.4872% | 1,493 |
| Net loans and leases to deposits | 84.9213% | 1,369 |
| Net loans and leases to core deposits | 90.1046% | 1,517 |
| Total domestic deposits to total assets | 83.0029% | 3,409 |
| Equity capital to assets | 12.0675% | 1,533 |
| Core capital (leverage) ratio | 10.4023% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,492,800 | 1,860 |
| Average earning assets | $368,429,800 | 1,876 |
| Average equity | $51,712,200 | 1,642 |
| Average total loans | $283,422,000 | 1,752 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 383 |
| Cost of funding earning assets | 0.6641% | 2,236 |
| Net interest margin | 4.5781% | 321 |
| Noninterest income to average assets | 0.5434% | 2,407 |
| Noninterest expense to average assets | 2.8719% | 1,767 |
| Loan and lease loss provision to assets | 0.4889% | 612 |
| Net operating income to assets | 1.4568% | 982 |
| Return on assets (ROA) | 1.4931% | 1,003 |
| Pretax return on assets | 1.4274% | 1,646 |
| Return on Equity (ROE) | 11.3852% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.1849% | 2,955 |
| Net charge-offs to loans | 0.1319% | 1,091 |
| Credit loss provision to net charge-offs | 526.9373% | 1,245 |
| Earnings coverage of net charge-offs (x) | 20.2620% | 1,905 |
| Efficiency ratio | 59.7593% | 3,421 |
| Assets per employee ($millions) | 7.6505% | 1,141 |
| Cash dividends to net income (ytd only)* | 63.2424% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,720 |
| Loan loss allowance to noncurrent loans | 551.4839% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,857 |
| Noncurrent loans to loans | 0.2546% | 3,393 |
| Net loans and leases to total assets | 71.3304% | 1,766 |
| Net loans and leases to deposits | 92.9494% | 1,006 |
| Net loans and leases to core deposits | 99.8553% | 1,172 |
| Total domestic deposits to total assets | 76.7411% | 4,358 |
| Equity capital to assets | 12.5701% | 1,392 |
| Core capital (leverage) ratio | 11.0287% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,421,750 | 1,875 |
| Average earning assets | $357,986,500 | 1,890 |
| Average equity | $51,071,000 | 1,654 |
| Average total loans | $273,886,000 | 1,800 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 279 |
| Cost of funding earning assets | 0.7531% | 2,100 |
| Net interest margin | 4.8412% | 264 |
| Noninterest income to average assets | 0.5531% | 2,340 |
| Noninterest expense to average assets | 2.9928% | 1,588 |
| Loan and lease loss provision to assets | 0.7072% | 389 |
| Net operating income to assets | 1.3885% | 1,139 |
| Return on assets (ROA) | 1.4291% | 1,141 |
| Pretax return on assets | 1.3278% | 1,940 |
| Return on Equity (ROE) | 10.7324% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.2419% | 3,292 |
| Net charge-offs to loans | 0.3383% | 479 |
| Credit loss provision to net charge-offs | 300.4484% | 1,617 |
| Earnings coverage of net charge-offs (x) | 8.4731% | 2,285 |
| Efficiency ratio | 59.3439% | 3,510 |
| Assets per employee ($millions) | 6.9544% | 1,462 |
| Cash dividends to net income (ytd only)* | 69.7932% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 1,955 |
| Loan loss allowance to noncurrent loans | 344.8839% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 2,869 |
| Noncurrent loans to loans | 0.3796% | 3,054 |
| Net loans and leases to total assets | 72.4583% | 1,629 |
| Net loans and leases to deposits | 94.0005% | 967 |
| Net loans and leases to core deposits | 101.1763% | 1,176 |
| Total domestic deposits to total assets | 77.0830% | 4,309 |
| Equity capital to assets | 12.4201% | 1,416 |
| Core capital (leverage) ratio | 10.6264% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,970,000 | 1,898 |
| Average earning assets | $347,106,333 | 1,911 |
| Average equity | $50,464,000 | 1,657 |
| Average total loans | $263,709,333 | 1,827 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 671 |
| Cost of funding earning assets | 0.8955% | 1,895 |
| Net interest margin | 4.2956% | 765 |
| Noninterest income to average assets | 0.6147% | 1,974 |
| Noninterest expense to average assets | 3.2116% | 1,400 |
| Loan and lease loss provision to assets | 0.2334% | 1,324 |
| Net operating income to assets | 1.0516% | 2,001 |
| Return on assets (ROA) | 1.0516% | 2,098 |
| Pretax return on assets | 1.0839% | 2,578 |
| Return on Equity (ROE) | 7.6009% | 2,684 |
| Retained earnings to average equity (ytd only) | -2.9247% | 4,347 |
| Net charge-offs to loans | -0.0297% | 4,466 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1522% | 2,329 |
| Assets per employee ($millions) | 6.1170% | 1,585 |
| Cash dividends to net income (ytd only)* | 138.4778% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,088 |
| Loan loss allowance to noncurrent loans | 227.5510% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,535 |
| Noncurrent loans to loans | 0.5765% | 2,557 |
| Net loans and leases to total assets | 68.5649% | 2,458 |
| Net loans and leases to deposits | 82.0395% | 2,448 |
| Net loans and leases to core deposits | 91.7800% | 2,188 |
| Total domestic deposits to total assets | 83.5756% | 2,923 |
| Equity capital to assets | 13.3450% | 1,287 |
| Core capital (leverage) ratio | 11.9008% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,822,000 | 1,923 |
| Average earning assets | $327,872,000 | 1,940 |
| Average equity | $49,783,500 | 1,672 |
| Average total loans | $242,386,500 | 1,912 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 206 |
| Cost of funding earning assets | 1.0694% | 1,437 |
| Net interest margin | 4.9986% | 272 |
| Noninterest income to average assets | 0.5507% | 2,476 |
| Noninterest expense to average assets | 3.5203% | 937 |
| Loan and lease loss provision to assets | 0.0925% | 2,183 |
| Net operating income to assets | 1.5240% | 999 |
| Return on assets (ROA) | 1.5240% | 1,058 |
| Pretax return on assets | 1.5240% | 1,736 |
| Return on Equity (ROE) | 13.9246% | 912 |
| Retained earnings to average equity (ytd only) | 6.2759% | 1,730 |
| Net charge-offs to loans | 0.0869% | 1,880 |
| Credit loss provision to net charge-offs | 132.0755% | 1,928 |
| Earnings coverage of net charge-offs (x) | 23.0755% | 1,826 |
| Efficiency ratio | 68.5307% | 2,384 |
| Assets per employee ($millions) | 5.3378% | 2,207 |
| Cash dividends to net income (ytd only)* | 54.9292% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,730 |
| Loan loss allowance to noncurrent loans | 138.5411% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 1,383 |
| Noncurrent loans to loans | 0.9701% | 1,577 |
| Net loans and leases to total assets | 79.5441% | 846 |
| Net loans and leases to deposits | 91.8291% | 1,387 |
| Net loans and leases to core deposits | 99.0804% | 1,640 |
| Total domestic deposits to total assets | 86.6219% | 1,793 |
| Equity capital to assets | 10.9035% | 3,092 |
| Core capital (leverage) ratio | 11.5750% | 2,058 |
| Tier 1 risk-based capital ratio | 11.6441% | 4,555 |
| Total risk-based capital ratio | 12.8051% | 4,481 |
| Memoranda: | ||
| Average total assets | $226,967,200 | 2,601 |
| Average earning assets | $208,238,000 | 2,623 |
| Average equity | $24,841,000 | 2,727 |
| Average total loans | $183,070,200 | 2,287 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1524% | 188 |
| Cost of funding earning assets | 1.0793% | 1,431 |
| Net interest margin | 5.0731% | 248 |
| Noninterest income to average assets | 0.5701% | 2,352 |
| Noninterest expense to average assets | 3.4507% | 1,008 |
| Loan and lease loss provision to assets | 0.1244% | 1,566 |
| Net operating income to assets | 1.6551% | 820 |
| Return on assets (ROA) | 1.6551% | 862 |
| Pretax return on assets | 1.6551% | 1,455 |
| Return on Equity (ROE) | 15.1076% | 757 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,662 |
| Net charge-offs to loans | -0.1219% | 5,030 |
| Credit loss provision to net charge-offs | -126.5060% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9755% | 2,729 |
| Assets per employee ($millions) | 5.7265% | 1,830 |
| Cash dividends to net income (ytd only)* | 50.8415% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 934 |
| Loan loss allowance to noncurrent loans | 114.1607% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2079% | 1,048 |
| Noncurrent loans to loans | 1.4329% | 1,061 |
| Net loans and leases to total assets | 73.5025% | 1,918 |
| Net loans and leases to deposits | 82.7051% | 2,592 |
| Net loans and leases to core deposits | 90.4301% | 2,510 |
| Total domestic deposits to total assets | 88.8729% | 660 |
| Equity capital to assets | 10.8251% | 3,270 |
| Core capital (leverage) ratio | 11.4778% | 2,239 |
| Tier 1 risk-based capital ratio | 12.1917% | 4,318 |
| Total risk-based capital ratio | 13.4432% | 4,199 |
| Memoranda: | ||
| Average total assets | $224,993,750 | 2,641 |
| Average earning assets | $206,679,500 | 2,659 |
| Average equity | $24,649,250 | 2,758 |
| Average total loans | $181,497,000 | 2,327 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 179 |
| Cost of funding earning assets | 1.0883% | 1,343 |
| Net interest margin | 5.0881% | 240 |
| Noninterest income to average assets | 0.5403% | 2,437 |
| Noninterest expense to average assets | 3.3419% | 1,207 |
| Loan and lease loss provision to assets | 0.1894% | 934 |
| Net operating income to assets | 1.6606% | 785 |
| Return on assets (ROA) | 1.6606% | 823 |
| Pretax return on assets | 1.6606% | 1,366 |
| Return on Equity (ROE) | 15.0941% | 738 |
| Retained earnings to average equity (ytd only) | 7.3052% | 1,686 |
| Net charge-offs to loans | -0.1384% | 5,065 |
| Credit loss provision to net charge-offs | -165.3543% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3676% | 3,075 |
| Assets per employee ($millions) | 4.9880% | 2,491 |
| Cash dividends to net income (ytd only)* | 51.6024% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,188 |
| Loan loss allowance to noncurrent loans | 48.5675% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.8026% | 237 |
| Noncurrent loans to loans | 3.1456% | 310 |
| Net loans and leases to total assets | 83.1422% | 453 |
| Net loans and leases to deposits | 94.1777% | 1,241 |
| Net loans and leases to core deposits | 102.6791% | 1,501 |
| Total domestic deposits to total assets | 88.2823% | 975 |
| Equity capital to assets | 11.3623% | 2,733 |
| Core capital (leverage) ratio | 11.3412% | 2,302 |
| Tier 1 risk-based capital ratio | 11.6728% | 4,595 |
| Total risk-based capital ratio | 12.9234% | 4,493 |
| Memoranda: | ||
| Average total assets | $221,729,000 | 2,676 |
| Average earning assets | $202,709,670 | 2,710 |
| Average equity | $24,393,670 | 2,776 |
| Average total loans | $183,514,330 | 2,313 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 212 |
| Cost of funding earning assets | 1.0745% | 1,274 |
| Net interest margin | 4.9577% | 305 |
| Noninterest income to average assets | 0.5205% | 2,433 |
| Noninterest expense to average assets | 3.2218% | 1,448 |
| Loan and lease loss provision to assets | 0.1885% | 869 |
| Net operating income to assets | 1.6154% | 867 |
| Return on assets (ROA) | 1.6154% | 900 |
| Pretax return on assets | 1.6154% | 1,428 |
| Return on Equity (ROE) | 14.9241% | 760 |
| Retained earnings to average equity (ytd only) | 6.6329% | 2,187 |
| Net charge-offs to loans | -0.1796% | 5,157 |
| Credit loss provision to net charge-offs | -128.0488% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1071% | 3,222 |
| Assets per employee ($millions) | 5.3265% | 2,143 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,561 |
| Loan loss allowance to noncurrent loans | 38.8157% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 3.4052% | 160 |
| Noncurrent loans to loans | 3.6896% | 234 |
| Net loans and leases to total assets | 82.4808% | 531 |
| Net loans and leases to deposits | 92.8048% | 1,304 |
| Net loans and leases to core deposits | 102.5629% | 1,410 |
| Total domestic deposits to total assets | 88.8755% | 921 |
| Equity capital to assets | 10.8858% | 2,968 |
| Core capital (leverage) ratio | 11.2062% | 2,385 |
| Tier 1 risk-based capital ratio | 11.3237% | 4,825 |
| Total risk-based capital ratio | 12.5697% | 4,739 |
| Memoranda: | ||
| Average total assets | $222,858,000 | 2,703 |
| Average earning assets | $202,514,000 | 2,739 |
| Average equity | $24,122,000 | 2,798 |
| Average total loans | $182,619,500 | 2,340 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 171 |
| Cost of funding earning assets | 0.8927% | 1,119 |
| Net interest margin | 5.0754% | 232 |
| Noninterest income to average assets | 0.4471% | 3,121 |
| Noninterest expense to average assets | 3.3183% | 1,281 |
| Loan and lease loss provision to assets | 0.1255% | 1,752 |
| Net operating income to assets | 1.6113% | 846 |
| Return on assets (ROA) | 1.6071% | 843 |
| Pretax return on assets | 1.6071% | 1,448 |
| Return on Equity (ROE) | 13.0061% | 1,349 |
| Retained earnings to average equity (ytd only) | -10.2717% | 5,322 |
| Net charge-offs to loans | -0.0308% | 4,822 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6431% | 2,925 |
| Assets per employee ($millions) | 5.2858% | 2,164 |
| Cash dividends to net income (ytd only)* | 178.9763% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,636 |
| Loan loss allowance to noncurrent loans | 41.2641% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.0428% | 203 |
| Noncurrent loans to loans | 3.3948% | 272 |
| Net loans and leases to total assets | 79.0727% | 1,084 |
| Net loans and leases to deposits | 88.8938% | 1,941 |
| Net loans and leases to core deposits | 99.5418% | 1,750 |
| Total domestic deposits to total assets | 88.9519% | 882 |
| Equity capital to assets | 10.7616% | 2,921 |
| Core capital (leverage) ratio | 10.7844% | 2,750 |
| Tier 1 risk-based capital ratio | 11.7398% | 4,601 |
| Total risk-based capital ratio | 12.9616% | 4,496 |
| Memoranda: | ||
| Average total assets | $215,173,200 | 2,732 |
| Average earning assets | $195,353,800 | 2,759 |
| Average equity | $26,587,600 | 2,533 |
| Average total loans | $175,167,200 | 2,376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8627% | 191 |
| Cost of funding earning assets | 0.8226% | 1,228 |
| Net interest margin | 5.0401% | 248 |
| Noninterest income to average assets | 0.4353% | 3,252 |
| Noninterest expense to average assets | 3.2273% | 1,461 |
| Loan and lease loss provision to assets | 0.1686% | 1,112 |
| Net operating income to assets | 1.6202% | 929 |
| Return on assets (ROA) | 1.6202% | 928 |
| Pretax return on assets | 1.6202% | 1,514 |
| Return on Equity (ROE) | 12.6866% | 1,545 |
| Retained earnings to average equity (ytd only) | 6.8715% | 2,197 |
| Net charge-offs to loans | -0.0015% | 4,059 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3382% | 3,124 |
| Assets per employee ($millions) | 5.3712% | 2,056 |
| Cash dividends to net income (ytd only)* | 45.8364% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,597 |
| Loan loss allowance to noncurrent loans | 147.2859% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 1,343 |
| Noncurrent loans to loans | 0.9707% | 1,751 |
| Net loans and leases to total assets | 76.4484% | 1,592 |
| Net loans and leases to deposits | 87.8372% | 2,175 |
| Net loans and leases to core deposits | 102.5748% | 1,559 |
| Total domestic deposits to total assets | 87.0343% | 1,714 |
| Equity capital to assets | 12.7019% | 1,471 |
| Core capital (leverage) ratio | 12.8441% | 1,349 |
| Tier 1 risk-based capital ratio | 14.1754% | 3,283 |
| Total risk-based capital ratio | 15.4072% | 3,208 |
| Memoranda: | ||
| Average total assets | $213,466,000 | 2,766 |
| Average earning assets | $194,012,000 | 2,794 |
| Average equity | $27,261,750 | 2,504 |
| Average total loans | $174,449,750 | 2,396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7164% | 229 |
| Cost of funding earning assets | 0.7286% | 1,479 |
| Net interest margin | 4.9878% | 251 |
| Noninterest income to average assets | 0.4072% | 3,435 |
| Noninterest expense to average assets | 3.3227% | 1,266 |
| Loan and lease loss provision to assets | 0.1894% | 924 |
| Net operating income to assets | 1.4393% | 1,311 |
| Return on assets (ROA) | 1.4393% | 1,314 |
| Pretax return on assets | 1.4393% | 2,022 |
| Return on Equity (ROE) | 11.2488% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.0907% | 2,501 |
| Net charge-offs to loans | 0.0751% | 1,577 |
| Credit loss provision to net charge-offs | 303.0303% | 990 |
| Earnings coverage of net charge-offs (x) | 26.0606% | 1,614 |
| Efficiency ratio | 67.1065% | 2,796 |
| Assets per employee ($millions) | 5.1958% | 2,194 |
| Cash dividends to net income (ytd only)* | 45.8553% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,193 |
| Loan loss allowance to noncurrent loans | 158.4594% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0417% | 1,438 |
| Noncurrent loans to loans | 0.8172% | 2,092 |
| Net loans and leases to total assets | 84.5053% | 407 |
| Net loans and leases to deposits | 97.6954% | 988 |
| Net loans and leases to core deposits | 114.9742% | 744 |
| Total domestic deposits to total assets | 86.4988% | 2,055 |
| Equity capital to assets | 13.1899% | 1,229 |
| Core capital (leverage) ratio | 13.1144% | 1,180 |
| Tier 1 risk-based capital ratio | 13.7155% | 3,502 |
| Total risk-based capital ratio | 14.8638% | 3,463 |
| Memoranda: | ||
| Average total assets | $211,215,000 | 2,798 |
| Average earning assets | $192,428,000 | 2,829 |
| Average equity | $27,025,000 | 2,530 |
| Average total loans | $175,667,670 | 2,391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 270 |
| Cost of funding earning assets | 0.6681% | 1,615 |
| Net interest margin | 4.8419% | 315 |
| Noninterest income to average assets | 0.3851% | 3,566 |
| Noninterest expense to average assets | 3.2164% | 1,531 |
| Loan and lease loss provision to assets | 0.1973% | 846 |
| Net operating income to assets | 1.3828% | 1,389 |
| Return on assets (ROA) | 1.3828% | 1,405 |
| Pretax return on assets | 1.3828% | 2,070 |
| Return on Equity (ROE) | 10.9724% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,680 |
| Net charge-offs to loans | 0.0940% | 1,234 |
| Credit loss provision to net charge-offs | 256.0976% | 897 |
| Earnings coverage of net charge-offs (x) | 20.5122% | 1,464 |
| Efficiency ratio | 67.0584% | 2,996 |
| Assets per employee ($millions) | 5.3571% | 2,084 |
| Cash dividends to net income (ytd only)* | 44.7011% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,354 |
| Loan loss allowance to noncurrent loans | 143.2970% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,403 |
| Noncurrent loans to loans | 0.8913% | 2,046 |
| Net loans and leases to total assets | 82.6504% | 580 |
| Net loans and leases to deposits | 95.1913% | 1,111 |
| Net loans and leases to core deposits | 114.3857% | 789 |
| Total domestic deposits to total assets | 86.8255% | 2,192 |
| Equity capital to assets | 12.9294% | 1,284 |
| Core capital (leverage) ratio | 13.0800% | 1,150 |
| Tier 1 risk-based capital ratio | 13.7983% | 3,497 |
| Total risk-based capital ratio | 14.9356% | 3,460 |
| Memoranda: | ||
| Average total assets | $212,906,000 | 2,811 |
| Average earning assets | $193,973,000 | 2,837 |
| Average equity | $26,831,000 | 2,566 |
| Average total loans | $174,534,500 | 2,418 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 254 |
| Cost of funding earning assets | 0.6476% | 1,308 |
| Net interest margin | 4.8725% | 294 |
| Noninterest income to average assets | 0.4535% | 3,286 |
| Noninterest expense to average assets | 3.2440% | 1,522 |
| Loan and lease loss provision to assets | 0.1448% | 1,572 |
| Net operating income to assets | 1.4887% | 826 |
| Return on assets (ROA) | 1.4887% | 846 |
| Pretax return on assets | 1.4887% | 1,687 |
| Return on Equity (ROE) | 11.6510% | 1,304 |
| Retained earnings to average equity (ytd only) | 4.9746% | 2,144 |
| Net charge-offs to loans | 0.3819% | 660 |
| Credit loss provision to net charge-offs | 45.5247% | 3,379 |
| Earnings coverage of net charge-offs (x) | 5.1358% | 3,369 |
| Efficiency ratio | 66.5090% | 3,167 |
| Assets per employee ($millions) | 5.7075% | 1,747 |
| Cash dividends to net income (ytd only)* | 57.3030% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,500 |
| Loan loss allowance to noncurrent loans | 129.0898% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,334 |
| Noncurrent loans to loans | 0.9652% | 1,831 |
| Net loans and leases to total assets | 79.2982% | 1,067 |
| Net loans and leases to deposits | 90.6597% | 1,691 |
| Net loans and leases to core deposits | 113.0312% | 836 |
| Total domestic deposits to total assets | 87.4680% | 1,782 |
| Equity capital to assets | 12.2872% | 1,647 |
| Core capital (leverage) ratio | 13.2811% | 1,044 |
| Tier 1 risk-based capital ratio | 13.6472% | 3,548 |
| Total risk-based capital ratio | 14.7565% | 3,535 |
| Memoranda: | ||
| Average total assets | $203,733,000 | 2,890 |
| Average earning assets | $184,978,800 | 2,912 |
| Average equity | $26,032,200 | 2,604 |
| Average total loans | $169,690,400 | 2,425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 255 |
| Cost of funding earning assets | 0.6473% | 1,257 |
| Net interest margin | 4.8486% | 300 |
| Noninterest income to average assets | 0.4310% | 3,468 |
| Noninterest expense to average assets | 3.1735% | 1,627 |
| Loan and lease loss provision to assets | 0.0931% | 2,223 |
| Net operating income to assets | 1.5791% | 755 |
| Return on assets (ROA) | 1.5791% | 769 |
| Pretax return on assets | 1.5791% | 1,489 |
| Return on Equity (ROE) | 12.2314% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.5902% | 2,484 |
| Net charge-offs to loans | 0.4461% | 466 |
| Credit loss provision to net charge-offs | 24.8227% | 3,121 |
| Earnings coverage of net charge-offs (x) | 4.4575% | 3,221 |
| Efficiency ratio | 65.4907% | 3,288 |
| Assets per employee ($millions) | 5.4456% | 1,975 |
| Cash dividends to net income (ytd only)* | 54.2965% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,515 |
| Loan loss allowance to noncurrent loans | 106.3323% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 1,122 |
| Noncurrent loans to loans | 1.1955% | 1,601 |
| Net loans and leases to total assets | 83.1534% | 529 |
| Net loans and leases to deposits | 96.3901% | 1,081 |
| Net loans and leases to core deposits | 123.7655% | 467 |
| Total domestic deposits to total assets | 86.2676% | 2,196 |
| Equity capital to assets | 13.5085% | 1,157 |
| Core capital (leverage) ratio | 13.1381% | 1,153 |
| Tier 1 risk-based capital ratio | 14.2641% | 3,318 |
| Total risk-based capital ratio | 15.3947% | 3,283 |
| Memoranda: | ||
| Average total assets | $200,445,000 | 2,947 |
| Average earning assets | $182,509,500 | 2,962 |
| Average equity | $25,878,000 | 2,635 |
| Average total loans | $168,574,000 | 2,454 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 354 |
| Cost of funding earning assets | 0.6295% | 1,271 |
| Net interest margin | 4.6338% | 449 |
| Noninterest income to average assets | 0.4160% | 3,590 |
| Noninterest expense to average assets | 3.0974% | 1,845 |
| Loan and lease loss provision to assets | 0.0693% | 2,585 |
| Net operating income to assets | 1.4640% | 927 |
| Return on assets (ROA) | 1.4640% | 950 |
| Pretax return on assets | 1.4640% | 1,784 |
| Return on Equity (ROE) | 11.5124% | 1,464 |
| Retained earnings to average equity (ytd only) | 4.7981% | 2,852 |
| Net charge-offs to loans | 0.0118% | 3,045 |
| Credit loss provision to net charge-offs | 700.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 154.8000% | 489 |
| Efficiency ratio | 66.8877% | 3,197 |
| Assets per employee ($millions) | 5.6405% | 1,751 |
| Cash dividends to net income (ytd only)* | 58.3221% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,459 |
| Loan loss allowance to noncurrent loans | 69.9053% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0334% | 620 |
| Noncurrent loans to loans | 2.1941% | 735 |
| Net loans and leases to total assets | 81.6644% | 718 |
| Net loans and leases to deposits | 93.9099% | 1,275 |
| Net loans and leases to core deposits | 130.5293% | 301 |
| Total domestic deposits to total assets | 86.9604% | 1,973 |
| Equity capital to assets | 12.8120% | 1,466 |
| Core capital (leverage) ratio | 12.8874% | 1,222 |
| Tier 1 risk-based capital ratio | 13.9920% | 3,430 |
| Total risk-based capital ratio | 15.2435% | 3,347 |
| Memoranda: | ||
| Average total assets | $201,913,330 | 2,949 |
| Average earning assets | $183,649,330 | 2,969 |
| Average equity | $25,676,670 | 2,654 |
| Average total loans | $169,727,670 | 2,446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 393 |
| Cost of funding earning assets | 0.6276% | 1,207 |
| Net interest margin | 4.5493% | 481 |
| Noninterest income to average assets | 0.3596% | 3,961 |
| Noninterest expense to average assets | 2.9701% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5079% | 795 |
| Return on assets (ROA) | 1.5079% | 823 |
| Pretax return on assets | 1.5079% | 1,509 |
| Return on Equity (ROE) | 11.9026% | 1,267 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,260 |
| Net charge-offs to loans | -0.1479% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3265% | 3,439 |
| Assets per employee ($millions) | 5.6166% | 1,792 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,541 |
| Loan loss allowance to noncurrent loans | 75.1744% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 839 |
| Noncurrent loans to loans | 2.0484% | 859 |
| Net loans and leases to total assets | 84.1120% | 356 |
| Net loans and leases to deposits | 96.9954% | 853 |
| Net loans and leases to core deposits | 141.7407% | 157 |
| Total domestic deposits to total assets | 86.7175% | 2,350 |
| Equity capital to assets | 13.0500% | 1,237 |
| Core capital (leverage) ratio | 12.8120% | 1,212 |
| Tier 1 risk-based capital ratio | 14.0659% | 3,434 |
| Total risk-based capital ratio | 15.3176% | 3,352 |
| Memoranda: | ||
| Average total assets | $201,340,500 | 2,982 |
| Average earning assets | $182,271,500 | 3,011 |
| Average equity | $25,507,000 | 2,681 |
| Average total loans | $170,386,500 | 2,458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2608% | 376 |
| Cost of funding earning assets | 0.6467% | 1,074 |
| Net interest margin | 4.6141% | 497 |
| Noninterest income to average assets | 0.4359% | 3,646 |
| Noninterest expense to average assets | 2.6352% | 3,569 |
| Loan and lease loss provision to assets | 0.1877% | 1,256 |
| Net operating income to assets | 1.8713% | 393 |
| Return on assets (ROA) | 1.8811% | 399 |
| Pretax return on assets | 1.8811% | 644 |
| Return on Equity (ROE) | 16.4407% | 464 |
| Retained earnings to average equity (ytd only) | 8.9975% | 593 |
| Net charge-offs to loans | 0.0948% | 2,346 |
| Credit loss provision to net charge-offs | 233.9181% | 1,232 |
| Earnings coverage of net charge-offs (x) | 25.6608% | 1,578 |
| Efficiency ratio | 56.1375% | 5,055 |
| Assets per employee ($millions) | 6.4406% | 1,180 |
| Cash dividends to net income (ytd only)* | 45.2731% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,837 |
| Loan loss allowance to noncurrent loans | 79.6653% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 1,062 |
| Noncurrent loans to loans | 1.8324% | 1,035 |
| Net loans and leases to total assets | 82.6375% | 521 |
| Net loans and leases to deposits | 94.4940% | 1,146 |
| Net loans and leases to core deposits | 135.5741% | 221 |
| Total domestic deposits to total assets | 87.4526% | 1,900 |
| Equity capital to assets | 12.3048% | 1,629 |
| Core capital (leverage) ratio | 12.5078% | 1,329 |
| Tier 1 risk-based capital ratio | 13.4511% | 3,802 |
| Total risk-based capital ratio | 14.7020% | 3,697 |
| Memoranda: | ||
| Average total assets | $213,116,200 | 2,822 |
| Average earning assets | $196,681,400 | 2,825 |
| Average equity | $24,384,600 | 2,770 |
| Average total loans | $180,289,400 | 2,307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 402 |
| Cost of funding earning assets | 0.6571% | 1,017 |
| Net interest margin | 4.5801% | 528 |
| Noninterest income to average assets | 0.4319% | 3,680 |
| Noninterest expense to average assets | 2.5764% | 3,739 |
| Loan and lease loss provision to assets | 0.2482% | 762 |
| Net operating income to assets | 1.8758% | 425 |
| Return on assets (ROA) | 1.8888% | 430 |
| Pretax return on assets | 1.8888% | 721 |
| Return on Equity (ROE) | 16.8121% | 460 |
| Retained earnings to average equity (ytd only) | 9.4554% | 703 |
| Net charge-offs to loans | 0.0322% | 3,005 |
| Credit loss provision to net charge-offs | 909.0909% | 444 |
| Earnings coverage of net charge-offs (x) | 77.7892% | 803 |
| Efficiency ratio | 54.8119% | 5,172 |
| Assets per employee ($millions) | 7.2904% | 793 |
| Cash dividends to net income (ytd only)* | 43.7583% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,641 |
| Loan loss allowance to noncurrent loans | 105.7040% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 1,611 |
| Noncurrent loans to loans | 1.4544% | 1,487 |
| Net loans and leases to total assets | 83.1451% | 494 |
| Net loans and leases to deposits | 95.0276% | 1,148 |
| Net loans and leases to core deposits | 139.6790% | 199 |
| Total domestic deposits to total assets | 87.4957% | 1,666 |
| Equity capital to assets | 12.2148% | 1,972 |
| Core capital (leverage) ratio | 12.2405% | 1,521 |
| Tier 1 risk-based capital ratio | 13.2482% | 4,007 |
| Total risk-based capital ratio | 14.5001% | 3,918 |
| Memoranda: | ||
| Average total assets | $214,870,500 | 2,815 |
| Average earning assets | $200,254,750 | 2,800 |
| Average equity | $24,140,750 | 2,807 |
| Average total loans | $182,152,250 | 2,290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 382 |
| Cost of funding earning assets | 0.6808% | 886 |
| Net interest margin | 4.5864% | 522 |
| Noninterest income to average assets | 0.4028% | 3,855 |
| Noninterest expense to average assets | 2.5150% | 3,995 |
| Loan and lease loss provision to assets | 0.2747% | 678 |
| Net operating income to assets | 1.8814% | 412 |
| Return on assets (ROA) | 1.9007% | 411 |
| Pretax return on assets | 1.9007% | 697 |
| Return on Equity (ROE) | 17.3896% | 403 |
| Retained earnings to average equity (ytd only) | 10.8057% | 461 |
| Net charge-offs to loans | 0.2621% | 919 |
| Credit loss provision to net charge-offs | 123.4568% | 1,821 |
| Earnings coverage of net charge-offs (x) | 9.6914% | 2,390 |
| Efficiency ratio | 53.8416% | 5,321 |
| Assets per employee ($millions) | 6.6475% | 1,025 |
| Cash dividends to net income (ytd only)* | 37.8613% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,719 |
| Loan loss allowance to noncurrent loans | 90.0766% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 1,279 |
| Noncurrent loans to loans | 1.4574% | 1,519 |
| Net loans and leases to total assets | 83.0834% | 506 |
| Net loans and leases to deposits | 94.2054% | 1,273 |
| Net loans and leases to core deposits | 135.8372% | 221 |
| Total domestic deposits to total assets | 88.1939% | 1,326 |
| Equity capital to assets | 11.5241% | 2,523 |
| Core capital (leverage) ratio | 11.2505% | 2,194 |
| Tier 1 risk-based capital ratio | 12.5197% | 4,507 |
| Total risk-based capital ratio | 13.7204% | 4,450 |
| Memoranda: | ||
| Average total assets | $218,450,670 | 2,785 |
| Average earning assets | $203,298,330 | 2,773 |
| Average equity | $23,876,330 | 2,844 |
| Average total loans | $185,411,670 | 2,259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 439 |
| Cost of funding earning assets | 0.6801% | 891 |
| Net interest margin | 4.4897% | 617 |
| Noninterest income to average assets | 0.2765% | 4,742 |
| Noninterest expense to average assets | 2.4273% | 4,295 |
| Loan and lease loss provision to assets | 0.2711% | 622 |
| Net operating income to assets | 1.7423% | 523 |
| Return on assets (ROA) | 1.7803% | 517 |
| Pretax return on assets | 1.7803% | 878 |
| Return on Equity (ROE) | 16.7250% | 465 |
| Retained earnings to average equity (ytd only) | 11.7330% | 543 |
| Net charge-offs to loans | 0.1442% | 1,248 |
| Credit loss provision to net charge-offs | 220.5882% | 1,019 |
| Earnings coverage of net charge-offs (x) | 16.3824% | 1,621 |
| Efficiency ratio | 54.6602% | 5,316 |
| Assets per employee ($millions) | 6.8604% | 947 |
| Cash dividends to net income (ytd only)* | 29.8477% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,008 |
| Loan loss allowance to noncurrent loans | 88.3929% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 1,779 |
| Noncurrent loans to loans | 1.4474% | 1,636 |
| Net loans and leases to total assets | 83.5114% | 412 |
| Net loans and leases to deposits | 94.0098% | 1,146 |
| Net loans and leases to core deposits | 134.5309% | 222 |
| Total domestic deposits to total assets | 88.8327% | 1,189 |
| Equity capital to assets | 10.8876% | 3,057 |
| Core capital (leverage) ratio | 10.8583% | 2,561 |
| Tier 1 risk-based capital ratio | 11.5868% | 5,179 |
| Total risk-based capital ratio | 12.7387% | 5,147 |
| Memoranda: | ||
| Average total assets | $221,316,000 | 2,770 |
| Average earning assets | $205,271,000 | 2,766 |
| Average equity | $23,557,500 | 2,871 |
| Average total loans | $188,574,500 | 2,225 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 544 |
| Cost of funding earning assets | 0.6555% | 1,041 |
| Net interest margin | 4.4174% | 764 |
| Noninterest income to average assets | 0.2434% | 5,141 |
| Noninterest expense to average assets | 2.4314% | 4,433 |
| Loan and lease loss provision to assets | 0.4285% | 295 |
| Net operating income to assets | 1.4987% | 867 |
| Return on assets (ROA) | 1.5015% | 897 |
| Pretax return on assets | 1.5015% | 1,551 |
| Return on Equity (ROE) | 14.4318% | 781 |
| Retained earnings to average equity (ytd only) | 9.0827% | 636 |
| Net charge-offs to loans | 0.2197% | 1,345 |
| Credit loss provision to net charge-offs | 236.9792% | 1,204 |
| Earnings coverage of net charge-offs (x) | 10.6589% | 2,665 |
| Efficiency ratio | 55.7848% | 5,363 |
| Assets per employee ($millions) | 7.9678% | 560 |
| Cash dividends to net income (ytd only)* | 37.0649% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,503 |
| Loan loss allowance to noncurrent loans | 90.2401% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 1,923 |
| Noncurrent loans to loans | 1.3273% | 1,775 |
| Net loans and leases to total assets | 84.7807% | 325 |
| Net loans and leases to deposits | 94.9370% | 1,119 |
| Net loans and leases to core deposits | 138.5965% | 184 |
| Total domestic deposits to total assets | 89.3020% | 965 |
| Equity capital to assets | 10.4048% | 3,478 |
| Core capital (leverage) ratio | 10.4928% | 2,939 |
| Tier 1 risk-based capital ratio | 10.8232% | 5,614 |
| Total risk-based capital ratio | 11.8925% | 5,623 |
| Memoranda: | ||
| Average total assets | $212,384,000 | 2,817 |
| Average earning assets | $197,855,000 | 2,804 |
| Average equity | $22,097,000 | 2,964 |
| Average total loans | $174,746,000 | 2,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 596 |
| Cost of funding earning assets | 0.6420% | 1,139 |
| Net interest margin | 4.3767% | 833 |
| Noninterest income to average assets | 0.2397% | 5,215 |
| Noninterest expense to average assets | 2.3060% | 4,763 |
| Loan and lease loss provision to assets | 0.4832% | 215 |
| Net operating income to assets | 1.5463% | 855 |
| Return on assets (ROA) | 1.5501% | 891 |
| Pretax return on assets | 1.5501% | 1,533 |
| Return on Equity (ROE) | 14.8987% | 738 |
| Retained earnings to average equity (ytd only) | 9.4659% | 746 |
| Net charge-offs to loans | 0.0829% | 2,364 |
| Credit loss provision to net charge-offs | 716.9811% | 486 |
| Earnings coverage of net charge-offs (x) | 30.1131% | 1,491 |
| Efficiency ratio | 53.1896% | 5,571 |
| Assets per employee ($millions) | 6.9828% | 882 |
| Cash dividends to net income (ytd only)* | 36.4641% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 3,070 |
| Loan loss allowance to noncurrent loans | 92.1964% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 2,013 |
| Noncurrent loans to loans | 1.4136% | 1,795 |
| Net loans and leases to total assets | 82.0833% | 571 |
| Net loans and leases to deposits | 91.7108% | 1,443 |
| Net loans and leases to core deposits | 134.4367% | 224 |
| Total domestic deposits to total assets | 89.5024% | 773 |
| Equity capital to assets | 10.1834% | 3,957 |
| Core capital (leverage) ratio | 10.4670% | 3,076 |
| Tier 1 risk-based capital ratio | 10.8407% | 5,735 |
| Total risk-based capital ratio | 11.9946% | 5,718 |
| Memoranda: | ||
| Average total assets | $209,705,500 | 2,871 |
| Average earning assets | $196,248,000 | 2,842 |
| Average equity | $21,818,000 | 3,008 |
| Average total loans | $170,573,250 | 2,360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 624 |
| Cost of funding earning assets | 0.6233% | 1,271 |
| Net interest margin | 4.3461% | 842 |
| Noninterest income to average assets | 0.2428% | 5,223 |
| Noninterest expense to average assets | 2.4025% | 4,539 |
| Loan and lease loss provision to assets | 0.5948% | 153 |
| Net operating income to assets | 1.3046% | 1,310 |
| Return on assets (ROA) | 1.3104% | 1,346 |
| Pretax return on assets | 1.3104% | 2,320 |
| Return on Equity (ROE) | 12.4990% | 1,224 |
| Retained earnings to average equity (ytd only) | 7.0400% | 1,690 |
| Net charge-offs to loans | -0.0254% | 5,257 |
| Credit loss provision to net charge-offs | -2,904.7619% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8477% | 5,445 |
| Assets per employee ($millions) | 6.9130% | 860 |
| Cash dividends to net income (ytd only)* | 43.6756% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,995 |
| Loan loss allowance to noncurrent loans | 96.3454% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 2,182 |
| Noncurrent loans to loans | 1.4002% | 1,926 |
| Net loans and leases to total assets | 81.8611% | 568 |
| Net loans and leases to deposits | 91.5199% | 1,422 |
| Net loans and leases to core deposits | 135.5918% | 205 |
| Total domestic deposits to total assets | 89.4462% | 925 |
| Equity capital to assets | 10.2346% | 3,770 |
| Core capital (leverage) ratio | 10.5261% | 2,922 |
| Tier 1 risk-based capital ratio | 10.5261% | 5,912 |
| Total risk-based capital ratio | 11.6762% | 5,887 |
| Memoranda: | ||
| Average total assets | $205,123,670 | 2,945 |
| Average earning assets | $191,574,000 | 2,920 |
| Average equity | $21,505,670 | 3,053 |
| Average total loans | $165,485,000 | 2,429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 732 |
| Cost of funding earning assets | 0.5883% | 1,514 |
| Net interest margin | 4.2921% | 889 |
| Noninterest income to average assets | 0.2134% | 5,423 |
| Noninterest expense to average assets | 2.4076% | 4,572 |
| Loan and lease loss provision to assets | 0.9076% | 95 |
| Net operating income to assets | 0.8856% | 2,817 |
| Return on assets (ROA) | 0.8856% | 2,942 |
| Pretax return on assets | 0.8856% | 3,944 |
| Return on Equity (ROE) | 8.3412% | 2,786 |
| Retained earnings to average equity (ytd only) | 2.8180% | 4,272 |
| Net charge-offs to loans | -0.0100% | 4,724 |
| Credit loss provision to net charge-offs | -11,375.0000% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3124% | 5,411 |
| Assets per employee ($millions) | 6.4155% | 1,130 |
| Cash dividends to net income (ytd only)* | 66.2162% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 3,134 |
| Loan loss allowance to noncurrent loans | 87.9195% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 2,244 |
| Noncurrent loans to loans | 1.5387% | 1,825 |
| Net loans and leases to total assets | 76.7046% | 1,103 |
| Net loans and leases to deposits | 85.6819% | 1,874 |
| Net loans and leases to core deposits | 127.8778% | 272 |
| Total domestic deposits to total assets | 89.5225% | 984 |
| Equity capital to assets | 10.0954% | 4,024 |
| Core capital (leverage) ratio | 11.0774% | 2,341 |
| Tier 1 risk-based capital ratio | 12.0090% | 5,226 |
| Total risk-based capital ratio | 13.2588% | 5,128 |
| Memoranda: | ||
| Average total assets | $200,534,500 | 3,005 |
| Average earning assets | $186,294,000 | 2,983 |
| Average equity | $21,292,000 | 3,099 |
| Average total loans | $159,313,000 | 2,499 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 606 |
| Cost of funding earning assets | 0.5832% | 1,923 |
| Net interest margin | 4.5368% | 700 |
| Noninterest income to average assets | 0.3668% | 4,459 |
| Noninterest expense to average assets | 2.5740% | 4,311 |
| Loan and lease loss provision to assets | 0.3792% | 490 |
| Net operating income to assets | 1.6411% | 653 |
| Return on assets (ROA) | 1.6584% | 654 |
| Pretax return on assets | 1.6584% | 1,078 |
| Return on Equity (ROE) | 15.0610% | 772 |
| Retained earnings to average equity (ytd only) | 9.2797% | 650 |
| Net charge-offs to loans | 0.8469% | 398 |
| Credit loss provision to net charge-offs | 56.7721% | 3,346 |
| Earnings coverage of net charge-offs (x) | 3.0243% | 4,003 |
| Efficiency ratio | 56.0259% | 5,663 |
| Assets per employee ($millions) | 5.5694% | 1,714 |
| Cash dividends to net income (ytd only)* | 38.3861% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 4,294 |
| Loan loss allowance to noncurrent loans | 69.8106% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 2,100 |
| Noncurrent loans to loans | 1.6454% | 1,777 |
| Net loans and leases to total assets | 80.3969% | 690 |
| Net loans and leases to deposits | 90.9731% | 1,404 |
| Net loans and leases to core deposits | 120.0473% | 409 |
| Total domestic deposits to total assets | 88.3744% | 1,582 |
| Equity capital to assets | 11.2015% | 2,692 |
| Core capital (leverage) ratio | 11.4384% | 2,026 |
| Tier 1 risk-based capital ratio | 12.7436% | 4,895 |
| Total risk-based capital ratio | 13.8070% | 4,922 |
| Memoranda: | ||
| Average total assets | $184,575,000 | 3,163 |
| Average earning assets | $171,993,800 | 3,133 |
| Average equity | $20,324,000 | 3,130 |
| Average total loans | $145,587,200 | 2,633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 578 |
| Cost of funding earning assets | 0.5773% | 2,043 |
| Net interest margin | 4.5715% | 656 |
| Noninterest income to average assets | 0.3577% | 4,576 |
| Noninterest expense to average assets | 2.4662% | 4,630 |
| Loan and lease loss provision to assets | 0.3272% | 568 |
| Net operating income to assets | 1.8366% | 480 |
| Return on assets (ROA) | 1.8613% | 466 |
| Pretax return on assets | 1.8613% | 776 |
| Return on Equity (ROE) | 16.9794% | 549 |
| Retained earnings to average equity (ytd only) | 11.1361% | 493 |
| Net charge-offs to loans | 0.0641% | 3,289 |
| Credit loss provision to net charge-offs | 652.1739% | 455 |
| Earnings coverage of net charge-offs (x) | 43.1293% | 1,077 |
| Efficiency ratio | 53.2663% | 5,896 |
| Assets per employee ($millions) | 5.8812% | 1,426 |
| Cash dividends to net income (ytd only)* | 34.4141% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 1,596 |
| Loan loss allowance to noncurrent loans | 161.6637% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 3,280 |
| Noncurrent loans to loans | 1.1388% | 2,781 |
| Net loans and leases to total assets | 73.6795% | 1,576 |
| Net loans and leases to deposits | 83.0799% | 2,279 |
| Net loans and leases to core deposits | 114.3426% | 576 |
| Total domestic deposits to total assets | 88.6851% | 1,405 |
| Equity capital to assets | 10.8331% | 3,145 |
| Core capital (leverage) ratio | 11.2022% | 2,308 |
| Tier 1 risk-based capital ratio | 13.1794% | 4,744 |
| Total risk-based capital ratio | 14.4350% | 4,678 |
| Memoranda: | ||
| Average total assets | $183,379,250 | 3,201 |
| Average earning assets | $171,377,250 | 3,163 |
| Average equity | $20,102,250 | 3,160 |
| Average total loans | $143,482,250 | 2,680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 507 |
| Cost of funding earning assets | 0.5728% | 2,141 |
| Net interest margin | 4.6309% | 554 |
| Noninterest income to average assets | 0.2948% | 5,057 |
| Noninterest expense to average assets | 2.5249% | 4,499 |
| Loan and lease loss provision to assets | 0.3337% | 559 |
| Net operating income to assets | 1.7707% | 513 |
| Return on assets (ROA) | 1.7874% | 522 |
| Pretax return on assets | 1.7874% | 867 |
| Return on Equity (ROE) | 16.2367% | 635 |
| Retained earnings to average equity (ytd only) | 10.3058% | 651 |
| Net charge-offs to loans | 0.2424% | 1,589 |
| Credit loss provision to net charge-offs | 173.4104% | 1,311 |
| Earnings coverage of net charge-offs (x) | 10.9364% | 2,197 |
| Efficiency ratio | 54.5411% | 5,870 |
| Assets per employee ($millions) | 6.3453% | 1,091 |
| Cash dividends to net income (ytd only)* | 36.5277% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 2,358 |
| Loan loss allowance to noncurrent loans | 146.3532% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 3,361 |
| Noncurrent loans to loans | 1.1140% | 2,990 |
| Net loans and leases to total assets | 76.9594% | 1,056 |
| Net loans and leases to deposits | 86.6787% | 1,752 |
| Net loans and leases to core deposits | 124.0306% | 304 |
| Total domestic deposits to total assets | 88.7870% | 1,481 |
| Equity capital to assets | 10.6997% | 3,196 |
| Core capital (leverage) ratio | 11.0827% | 2,350 |
| Tier 1 risk-based capital ratio | 12.9060% | 4,970 |
| Total risk-based capital ratio | 14.1595% | 4,908 |
| Memoranda: | ||
| Average total assets | $179,812,000 | 3,252 |
| Average earning assets | $168,303,330 | 3,215 |
| Average equity | $19,794,670 | 3,195 |
| Average total loans | $142,749,670 | 2,689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 483 |
| Cost of funding earning assets | 0.5621% | 2,323 |
| Net interest margin | 4.6388% | 524 |
| Noninterest income to average assets | 0.3163% | 4,837 |
| Noninterest expense to average assets | 2.6378% | 4,158 |
| Loan and lease loss provision to assets | 0.3438% | 521 |
| Net operating income to assets | 1.6661% | 600 |
| Return on assets (ROA) | 1.6661% | 623 |
| Pretax return on assets | 1.6661% | 1,040 |
| Return on Equity (ROE) | 14.9067% | 788 |
| Retained earnings to average equity (ytd only) | 8.8784% | 1,288 |
| Net charge-offs to loans | 0.6387% | 580 |
| Credit loss provision to net charge-offs | 67.2646% | 2,031 |
| Earnings coverage of net charge-offs (x) | 3.9327% | 2,599 |
| Efficiency ratio | 56.7554% | 5,777 |
| Assets per employee ($millions) | 6.4175% | 1,049 |
| Cash dividends to net income (ytd only)* | 40.4402% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,026 |
| Loan loss allowance to noncurrent loans | 143.2519% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 3,565 |
| Noncurrent loans to loans | 1.0665% | 3,289 |
| Net loans and leases to total assets | 79.9550% | 553 |
| Net loans and leases to deposits | 90.4798% | 1,096 |
| Net loans and leases to core deposits | 123.9054% | 258 |
| Total domestic deposits to total assets | 88.3678% | 2,012 |
| Equity capital to assets | 11.0011% | 2,708 |
| Core capital (leverage) ratio | 11.4131% | 2,036 |
| Tier 1 risk-based capital ratio | 12.8601% | 5,090 |
| Total risk-based capital ratio | 14.1125% | 5,027 |
| Memoranda: | ||
| Average total assets | $174,538,000 | 3,338 |
| Average earning assets | $162,974,000 | 3,308 |
| Average equity | $19,508,000 | 3,224 |
| Average total loans | $139,660,500 | 2,747 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 514 |
| Cost of funding earning assets | 0.5888% | 2,766 |
| Net interest margin | 4.7237% | 492 |
| Noninterest income to average assets | 0.2597% | 5,490 |
| Noninterest expense to average assets | 2.4917% | 4,786 |
| Loan and lease loss provision to assets | 0.3284% | 987 |
| Net operating income to assets | 1.8289% | 457 |
| Return on assets (ROA) | 1.8289% | 462 |
| Pretax return on assets | 1.8289% | 706 |
| Return on Equity (ROE) | 16.5518% | 556 |
| Retained earnings to average equity (ytd only) | 12.2434% | 291 |
| Net charge-offs to loans | 0.2552% | 2,441 |
| Credit loss provision to net charge-offs | 162.2024% | 1,410 |
| Earnings coverage of net charge-offs (x) | 10.6548% | 2,335 |
| Efficiency ratio | 53.5969% | 6,172 |
| Assets per employee ($millions) | 6.0495% | 1,245 |
| Cash dividends to net income (ytd only)* | 26.0297% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,322 |
| Loan loss allowance to noncurrent loans | 148.0386% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 3,600 |
| Noncurrent loans to loans | 1.1655% | 3,210 |
| Net loans and leases to total assets | 77.4083% | 897 |
| Net loans and leases to deposits | 87.8189% | 1,485 |
| Net loans and leases to core deposits | 120.8650% | 315 |
| Total domestic deposits to total assets | 88.1453% | 2,091 |
| Equity capital to assets | 11.3635% | 2,273 |
| Core capital (leverage) ratio | 11.8349% | 1,729 |
| Tier 1 risk-based capital ratio | 13.8604% | 4,391 |
| Total risk-based capital ratio | 15.1155% | 4,329 |
| Memoranda: | ||
| Average total assets | $165,950,200 | 3,474 |
| Average earning assets | $154,200,800 | 3,431 |
| Average equity | $18,336,400 | 3,362 |
| Average total loans | $131,662,200 | 2,832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 448 |
| Cost of funding earning assets | 0.6013% | 2,796 |
| Net interest margin | 4.7958% | 431 |
| Noninterest income to average assets | 0.2536% | 5,619 |
| Noninterest expense to average assets | 2.3558% | 5,167 |
| Loan and lease loss provision to assets | 0.3190% | 1,053 |
| Net operating income to assets | 2.0231% | 350 |
| Return on assets (ROA) | 2.0231% | 361 |
| Pretax return on assets | 2.0231% | 552 |
| Return on Equity (ROE) | 18.4439% | 407 |
| Retained earnings to average equity (ytd only) | 14.3576% | 235 |
| Net charge-offs to loans | 0.3465% | 1,815 |
| Credit loss provision to net charge-offs | 115.8358% | 2,034 |
| Earnings coverage of net charge-offs (x) | 8.5043% | 2,617 |
| Efficiency ratio | 50.1461% | 6,392 |
| Assets per employee ($millions) | 6.2139% | 1,108 |
| Cash dividends to net income (ytd only)* | 22.1556% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 2,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 74.7488% | 1,167 |
| Net loans and leases to deposits | 84.8568% | 1,759 |
| Net loans and leases to core deposits | 123.9807% | 263 |
| Total domestic deposits to total assets | 88.0881% | 2,074 |
| Equity capital to assets | 11.3063% | 2,467 |
| Core capital (leverage) ratio | 11.4630% | 2,071 |
| Tier 1 risk-based capital ratio | 14.0327% | 4,399 |
| Total risk-based capital ratio | 15.2871% | 4,354 |
| Memoranda: | ||
| Average total assets | $165,091,500 | 3,522 |
| Average earning assets | $152,990,500 | 3,482 |
| Average equity | $18,108,500 | 3,438 |
| Average total loans | $131,222,750 | 2,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4389% | 415 |
| Cost of funding earning assets | 0.6121% | 2,827 |
| Net interest margin | 4.8269% | 417 |
| Noninterest income to average assets | 0.2497% | 5,661 |
| Noninterest expense to average assets | 2.3545% | 5,193 |
| Loan and lease loss provision to assets | 0.3411% | 987 |
| Net operating income to assets | 2.0207% | 346 |
| Return on assets (ROA) | 2.0207% | 367 |
| Pretax return on assets | 2.0207% | 582 |
| Return on Equity (ROE) | 18.6178% | 418 |
| Retained earnings to average equity (ytd only) | 14.9705% | 236 |
| Net charge-offs to loans | 0.6191% | 1,068 |
| Credit loss provision to net charge-offs | 68.2927% | 2,863 |
| Earnings coverage of net charge-offs (x) | 4.7293% | 3,051 |
| Efficiency ratio | 49.9225% | 6,435 |
| Assets per employee ($millions) | 6.0369% | 1,178 |
| Cash dividends to net income (ytd only)* | 19.5901% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.9996% | 636 |
| Net loans and leases to deposits | 89.6862% | 1,178 |
| Net loans and leases to core deposits | 145.2516% | 110 |
| Total domestic deposits to total assets | 88.0844% | 2,188 |
| Equity capital to assets | 11.2984% | 2,468 |
| Core capital (leverage) ratio | 10.8354% | 2,519 |
| Tier 1 risk-based capital ratio | 13.3326% | 4,896 |
| Total risk-based capital ratio | 14.5844% | 4,839 |
| Memoranda: | ||
| Average total assets | $164,197,330 | 3,556 |
| Average earning assets | $151,941,670 | 3,513 |
| Average equity | $17,821,670 | 3,512 |
| Average total loans | $132,445,330 | 2,832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 530 |
| Cost of funding earning assets | 0.5954% | 3,148 |
| Net interest margin | 4.6852% | 484 |
| Noninterest income to average assets | 0.2209% | 5,900 |
| Noninterest expense to average assets | 2.2913% | 5,453 |
| Loan and lease loss provision to assets | 0.3155% | 1,075 |
| Net operating income to assets | 1.9879% | 347 |
| Return on assets (ROA) | 1.9879% | 374 |
| Pretax return on assets | 1.9879% | 603 |
| Return on Equity (ROE) | 18.6938% | 384 |
| Retained earnings to average equity (ytd only) | 18.6938% | 180 |
| Net charge-offs to loans | -0.0780% | 6,337 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8679% | 6,510 |
| Assets per employee ($millions) | 6.6018% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 3,191 |
| Loan loss allowance to noncurrent loans | 475.4757% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 5,714 |
| Noncurrent loans to loans | 0.3474% | 5,533 |
| Net loans and leases to total assets | 81.1398% | 340 |
| Net loans and leases to deposits | 91.8517% | 816 |
| Net loans and leases to core deposits | 145.6850% | 109 |
| Total domestic deposits to total assets | 88.3378% | 2,105 |
| Equity capital to assets | 10.8600% | 3,124 |
| Core capital (leverage) ratio | 10.9194% | 2,332 |
| Tier 1 risk-based capital ratio | 12.4068% | 5,633 |
| Total risk-based capital ratio | 13.6608% | 5,579 |
| Memoranda: | ||
| Average total assets | $164,797,500 | 3,584 |
| Average earning assets | $153,845,500 | 3,528 |
| Average equity | $17,524,500 | 3,591 |
| Average total loans | $133,303,000 | 2,833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 778 |
| Cost of funding earning assets | 0.6562% | 3,862 |
| Net interest margin | 4.7311% | 615 |
| Noninterest income to average assets | 0.2092% | 5,918 |
| Noninterest expense to average assets | 2.4219% | 5,350 |
| Loan and lease loss provision to assets | 0.7665% | 648 |
| Net operating income to assets | 1.4779% | 963 |
| Return on assets (ROA) | 1.4785% | 1,067 |
| Pretax return on assets | 1.4785% | 1,747 |
| Return on Equity (ROE) | 14.6941% | 871 |
| Retained earnings to average equity (ytd only) | 10.0675% | 585 |
| Net charge-offs to loans | 1.0347% | 1,040 |
| Credit loss provision to net charge-offs | 96.0342% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.8118% | 4,023 |
| Efficiency ratio | 51.9021% | 6,470 |
| Assets per employee ($millions) | 6.8562% | 830 |
| Cash dividends to net income (ytd only)* | 31.4861% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 3,294 |
| Loan loss allowance to noncurrent loans | 269.5876% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 5,293 |
| Noncurrent loans to loans | 0.5949% | 5,037 |
| Net loans and leases to total assets | 77.9993% | 677 |
| Net loans and leases to deposits | 87.7700% | 1,303 |
| Net loans and leases to core deposits | 137.7129% | 139 |
| Total domestic deposits to total assets | 88.8678% | 1,661 |
| Equity capital to assets | 10.4072% | 3,638 |
| Core capital (leverage) ratio | 10.4034% | 2,880 |
| Tier 1 risk-based capital ratio | 12.0923% | 5,726 |
| Total risk-based capital ratio | 13.3448% | 5,688 |
| Memoranda: | ||
| Average total assets | $161,111,600 | 3,609 |
| Average earning assets | $151,784,400 | 3,515 |
| Average equity | $16,210,600 | 3,748 |
| Average total loans | $124,288,600 | 2,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 917 |
| Cost of funding earning assets | 0.6682% | 4,033 |
| Net interest margin | 4.6851% | 690 |
| Noninterest income to average assets | 0.1880% | 6,169 |
| Noninterest expense to average assets | 2.3313% | 5,596 |
| Loan and lease loss provision to assets | 0.4867% | 1,269 |
| Net operating income to assets | 1.8038% | 561 |
| Return on assets (ROA) | 1.8046% | 633 |
| Pretax return on assets | 1.8046% | 1,038 |
| Return on Equity (ROE) | 18.0949% | 490 |
| Retained earnings to average equity (ytd only) | 11.8380% | 558 |
| Net charge-offs to loans | 0.2802% | 3,045 |
| Credit loss provision to net charge-offs | 226.7442% | 1,218 |
| Earnings coverage of net charge-offs (x) | 10.6706% | 2,163 |
| Efficiency ratio | 50.4410% | 6,555 |
| Assets per employee ($millions) | 6.9005% | 781 |
| Cash dividends to net income (ytd only)* | 34.5783% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 72.8554% | 1,414 |
| Net loans and leases to deposits | 81.4460% | 2,191 |
| Net loans and leases to core deposits | 126.1518% | 229 |
| Total domestic deposits to total assets | 89.4524% | 1,158 |
| Equity capital to assets | 9.8213% | 4,749 |
| Core capital (leverage) ratio | 10.1182% | 3,378 |
| Tier 1 risk-based capital ratio | 11.8738% | 6,014 |
| Total risk-based capital ratio | 13.1297% | 5,992 |
| Memoranda: | ||
| Average total assets | $160,252,250 | 3,651 |
| Average earning assets | $151,654,250 | 3,559 |
| Average equity | $15,982,000 | 3,818 |
| Average total loans | $122,751,000 | 3,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 1,005 |
| Cost of funding earning assets | 0.6902% | 4,094 |
| Net interest margin | 4.6304% | 783 |
| Noninterest income to average assets | 0.1857% | 6,240 |
| Noninterest expense to average assets | 2.3949% | 5,477 |
| Loan and lease loss provision to assets | 0.4482% | 1,437 |
| Net operating income to assets | 1.7417% | 620 |
| Return on assets (ROA) | 1.7417% | 697 |
| Pretax return on assets | 1.7417% | 1,159 |
| Return on Equity (ROE) | 17.3672% | 592 |
| Retained earnings to average equity (ytd only) | 7.7897% | 1,720 |
| Net charge-offs to loans | -0.0017% | 6,083 |
| Credit loss provision to net charge-offs | -35,000.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2346% | 6,481 |
| Assets per employee ($millions) | 7.4580% | 592 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 2,704 |
| Loan loss allowance to noncurrent loans | 3,240.2597% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 6,705 |
| Noncurrent loans to loans | 0.0571% | 6,536 |
| Net loans and leases to total assets | 80.6865% | 433 |
| Net loans and leases to deposits | 90.2434% | 1,124 |
| Net loans and leases to core deposits | 142.4538% | 137 |
| Total domestic deposits to total assets | 89.4099% | 1,269 |
| Equity capital to assets | 9.8295% | 4,578 |
| Core capital (leverage) ratio | 9.8865% | 3,597 |
| Tier 1 risk-based capital ratio | 11.2237% | 6,384 |
| Total risk-based capital ratio | 12.4798% | 6,358 |
| Memoranda: | ||
| Average total assets | $156,165,330 | 3,737 |
| Average earning assets | $148,367,000 | 3,634 |
| Average equity | $15,661,670 | 3,859 |
| Average total loans | $120,949,670 | 3,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 1,748 |
| Cost of funding earning assets | 0.7313% | 4,014 |
| Net interest margin | 4.3101% | 1,436 |
| Noninterest income to average assets | 0.1866% | 6,264 |
| Noninterest expense to average assets | 2.3073% | 5,751 |
| Loan and lease loss provision to assets | 0.3942% | 1,605 |
| Net operating income to assets | 1.5741% | 909 |
| Return on assets (ROA) | 1.5741% | 1,015 |
| Pretax return on assets | 1.5741% | 1,657 |
| Return on Equity (ROE) | 15.5297% | 879 |
| Retained earnings to average equity (ytd only) | -3.9148% | 6,484 |
| Net charge-offs to loans | -0.0035% | 5,754 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9644% | 6,354 |
| Assets per employee ($millions) | 6.0026% | 1,283 |
| Cash dividends to net income (ytd only)* | 125.2087% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 76.3461% | 767 |
| Net loans and leases to deposits | 85.6968% | 1,451 |
| Net loans and leases to core deposits | 123.3001% | 263 |
| Total domestic deposits to total assets | 89.0887% | 1,645 |
| Equity capital to assets | 10.2336% | 3,812 |
| Core capital (leverage) ratio | 9.9660% | 3,397 |
| Tier 1 risk-based capital ratio | 12.7195% | 5,426 |
| Total risk-based capital ratio | 13.9776% | 5,383 |
| Memoranda: | ||
| Average total assets | $152,209,500 | 3,834 |
| Average earning assets | $144,405,000 | 3,734 |
| Average equity | $15,428,500 | 3,905 |
| Average total loans | $113,983,000 | 3,277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 2,149 |
| Cost of funding earning assets | 0.8318% | 4,614 |
| Net interest margin | 4.3477% | 1,549 |
| Noninterest income to average assets | 0.2266% | 5,914 |
| Noninterest expense to average assets | 2.4121% | 5,741 |
| Loan and lease loss provision to assets | 0.8479% | 1,144 |
| Net operating income to assets | 1.0968% | 1,846 |
| Return on assets (ROA) | 1.0968% | 1,964 |
| Pretax return on assets | 1.0968% | 2,851 |
| Return on Equity (ROE) | 11.0121% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.0121% | 401 |
| Net charge-offs to loans | 1.0266% | 1,700 |
| Credit loss provision to net charge-offs | 110.4240% | 3,027 |
| Earnings coverage of net charge-offs (x) | 2.5327% | 3,948 |
| Efficiency ratio | 55.3635% | 6,383 |
| Assets per employee ($millions) | 7.3502% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 2,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 70.5912% | 1,906 |
| Net loans and leases to deposits | 78.9876% | 2,683 |
| Net loans and leases to core deposits | 112.1713% | 557 |
| Total domestic deposits to total assets | 89.3700% | 1,324 |
| Equity capital to assets | 10.0418% | 4,118 |
| Core capital (leverage) ratio | 10.8793% | 2,367 |
| Tier 1 risk-based capital ratio | 13.1998% | 4,914 |
| Total risk-based capital ratio | 14.4567% | 4,890 |
| Memoranda: | ||
| Average total assets | $147,422,400 | 3,840 |
| Average earning assets | $140,051,000 | 3,744 |
| Average equity | $14,683,800 | 3,974 |
| Average total loans | $110,265,600 | 3,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 2,111 |
| Cost of funding earning assets | 0.8779% | 4,564 |
| Net interest margin | 4.3469% | 1,570 |
| Noninterest income to average assets | 0.2315% | 5,965 |
| Noninterest expense to average assets | 2.2705% | 6,118 |
| Loan and lease loss provision to assets | 0.9655% | 903 |
| Net operating income to assets | 1.1284% | 1,886 |
| Return on assets (ROA) | 1.1284% | 2,007 |
| Pretax return on assets | 1.1284% | 2,904 |
| Return on Equity (ROE) | 11.3535% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.3535% | 576 |
| Net charge-offs to loans | 1.0903% | 1,459 |
| Credit loss provision to net charge-offs | 117.2222% | 2,785 |
| Earnings coverage of net charge-offs (x) | 2.5422% | 3,858 |
| Efficiency ratio | 52.0235% | 6,673 |
| Assets per employee ($millions) | 6.6623% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 2,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 72.9017% | 1,531 |
| Net loans and leases to deposits | 82.3046% | 2,301 |
| Net loans and leases to core deposits | 117.4704% | 454 |
| Total domestic deposits to total assets | 88.5754% | 1,712 |
| Equity capital to assets | 10.8077% | 3,346 |
| Core capital (leverage) ratio | 10.2429% | 3,136 |
| Tier 1 risk-based capital ratio | 14.0281% | 4,337 |
| Total risk-based capital ratio | 15.2881% | 4,300 |
| Memoranda: | ||
| Average total assets | $145,689,250 | 3,897 |
| Average earning assets | $138,516,250 | 3,794 |
| Average equity | $14,479,750 | 4,037 |
| Average total loans | $110,056,000 | 3,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 2,474 |
| Cost of funding earning assets | 0.8768% | 4,852 |
| Net interest margin | 4.2715% | 1,759 |
| Noninterest income to average assets | 0.2452% | 5,891 |
| Noninterest expense to average assets | 2.2220% | 6,326 |
| Loan and lease loss provision to assets | 0.9823% | 891 |
| Net operating income to assets | 1.1137% | 1,833 |
| Return on assets (ROA) | 1.1137% | 1,918 |
| Pretax return on assets | 1.1137% | 2,796 |
| Return on Equity (ROE) | 11.5239% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.5239% | 587 |
| Net charge-offs to loans | 1.6105% | 910 |
| Credit loss provision to net charge-offs | 80.3769% | 3,762 |
| Earnings coverage of net charge-offs (x) | 1.7151% | 4,016 |
| Efficiency ratio | 51.4591% | 6,831 |
| Assets per employee ($millions) | 7.0995% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,500 |
| Loan loss allowance to noncurrent loans | 1,368.8889% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,871 |
| Noncurrent loans to loans | 0.1205% | 6,680 |
| Net loans and leases to total assets | 73.9251% | 1,434 |
| Net loans and leases to deposits | 82.5389% | 2,368 |
| Net loans and leases to core deposits | 126.7262% | 306 |
| Total domestic deposits to total assets | 89.5640% | 1,209 |
| Equity capital to assets | 9.8558% | 4,324 |
| Core capital (leverage) ratio | 10.0423% | 3,212 |
| Tier 1 risk-based capital ratio | 12.8447% | 5,045 |
| Total risk-based capital ratio | 14.0991% | 5,021 |
| Memoranda: | ||
| Average total assets | $147,616,000 | 3,889 |
| Average earning assets | $140,747,000 | 3,781 |
| Average equity | $14,266,000 | 4,071 |
| Average total loans | $112,016,330 | 3,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 2,522 |
| Cost of funding earning assets | 0.8789% | 5,069 |
| Net interest margin | 4.2491% | 1,747 |
| Noninterest income to average assets | 0.2887% | 5,605 |
| Noninterest expense to average assets | 2.2277% | 6,364 |
| Loan and lease loss provision to assets | 1.0212% | 742 |
| Net operating income to assets | 1.0948% | 1,859 |
| Return on assets (ROA) | 1.0948% | 1,903 |
| Pretax return on assets | 1.0948% | 2,776 |
| Return on Equity (ROE) | 11.4432% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.4432% | 823 |
| Net charge-offs to loans | 2.4216% | 486 |
| Credit loss provision to net charge-offs | 55.3097% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.1460% | 3,803 |
| Efficiency ratio | 51.2853% | 6,901 |
| Assets per employee ($millions) | 6.6377% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 4,189 |
| Loan loss allowance to noncurrent loans | 362.5263% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 6,382 |
| Noncurrent loans to loans | 0.4148% | 6,170 |
| Net loans and leases to total assets | 77.2395% | 840 |
| Net loans and leases to deposits | 86.0935% | 1,716 |
| Net loans and leases to core deposits | 130.7006% | 266 |
| Total domestic deposits to total assets | 89.7157% | 1,346 |
| Equity capital to assets | 9.7611% | 4,089 |
| Core capital (leverage) ratio | 9.6905% | 3,538 |
| Tier 1 risk-based capital ratio | 12.0447% | 5,644 |
| Total risk-based capital ratio | 13.2973% | 5,639 |
| Memoranda: | ||
| Average total assets | $146,879,000 | 3,935 |
| Average earning assets | $140,170,000 | 3,815 |
| Average equity | $14,052,000 | 4,104 |
| Average total loans | $111,993,000 | 3,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 4,847 |
| Cost of funding earning assets | 1.2133% | 4,470 |
| Net interest margin | 3.7235% | 4,255 |
| Noninterest income to average assets | 0.2370% | 6,104 |
| Noninterest expense to average assets | 2.2394% | 6,515 |
| Loan and lease loss provision to assets | 0.8400% | 1,955 |
| Net operating income to assets | 0.6871% | 3,275 |
| Return on assets (ROA) | 0.6871% | 3,404 |
| Pretax return on assets | 0.6871% | 4,020 |
| Return on Equity (ROE) | 7.5356% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.5356% | 1,134 |
| Net charge-offs to loans | 0.6105% | 3,203 |
| Credit loss provision to net charge-offs | 187.5000% | 1,733 |
| Earnings coverage of net charge-offs (x) | 3.4085% | 3,379 |
| Efficiency ratio | 59.4560% | 6,125 |
| Assets per employee ($millions) | 6.4230% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 2,690 |
| Loan loss allowance to noncurrent loans | 170.0252% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 5,387 |
| Noncurrent loans to loans | 1.0879% | 4,917 |
| Net loans and leases to total assets | 72.7325% | 1,938 |
| Net loans and leases to deposits | 80.6901% | 3,047 |
| Net loans and leases to core deposits | 117.6934% | 589 |
| Total domestic deposits to total assets | 90.1380% | 1,019 |
| Equity capital to assets | 9.3753% | 4,577 |
| Core capital (leverage) ratio | 10.0735% | 3,002 |
| Tier 1 risk-based capital ratio | 12.1605% | 5,326 |
| Total risk-based capital ratio | 13.4172% | 5,298 |
| Memoranda: | ||
| Average total assets | $146,422,400 | 3,937 |
| Average earning assets | $138,794,600 | 3,841 |
| Average equity | $13,350,000 | 4,297 |
| Average total loans | $107,452,400 | 3,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 5,161 |
| Cost of funding earning assets | 1.3182% | 4,123 |
| Net interest margin | 3.6037% | 4,856 |
| Noninterest income to average assets | 0.2172% | 6,348 |
| Noninterest expense to average assets | 2.1784% | 6,665 |
| Loan and lease loss provision to assets | 0.8214% | 1,844 |
| Net operating income to assets | 0.6279% | 3,761 |
| Return on assets (ROA) | 0.6279% | 3,929 |
| Pretax return on assets | 0.6279% | 4,497 |
| Return on Equity (ROE) | 6.9362% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.9362% | 1,889 |
| Net charge-offs to loans | 0.5348% | 3,162 |
| Credit loss provision to net charge-offs | 209.7902% | 1,678 |
| Earnings coverage of net charge-offs (x) | 3.7016% | 3,330 |
| Efficiency ratio | 60.0503% | 5,943 |
| Assets per employee ($millions) | 6.0843% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,558 |
| Loan loss allowance to noncurrent loans | 99.0211% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 4,383 |
| Noncurrent loans to loans | 1.8938% | 3,810 |
| Net loans and leases to total assets | 71.8665% | 2,281 |
| Net loans and leases to deposits | 80.0914% | 3,433 |
| Net loans and leases to core deposits | 121.7054% | 564 |
| Total domestic deposits to total assets | 89.7306% | 1,005 |
| Equity capital to assets | 9.6963% | 4,553 |
| Core capital (leverage) ratio | 9.5508% | 3,828 |
| Tier 1 risk-based capital ratio | 12.7542% | 4,772 |
| Total risk-based capital ratio | 14.0116% | 4,743 |
| Memoranda: | ||
| Average total assets | $146,095,750 | 4,001 |
| Average earning assets | $138,261,000 | 3,900 |
| Average equity | $13,225,000 | 4,389 |
| Average total loans | $106,947,500 | 3,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 5,631 |
| Cost of funding earning assets | 1.3974% | 3,892 |
| Net interest margin | 3.4448% | 5,459 |
| Noninterest income to average assets | 0.1877% | 6,562 |
| Noninterest expense to average assets | 2.0817% | 6,959 |
| Loan and lease loss provision to assets | 0.8100% | 1,784 |
| Net operating income to assets | 0.5508% | 4,089 |
| Return on assets (ROA) | 0.5508% | 4,229 |
| Pretax return on assets | 0.5508% | 4,738 |
| Return on Equity (ROE) | 6.2241% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,219 |
| Net charge-offs to loans | 0.3154% | 3,742 |
| Credit loss provision to net charge-offs | 350.8772% | 1,041 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 2,576 |
| Efficiency ratio | 60.4706% | 5,969 |
| Assets per employee ($millions) | 6.5554% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 2,740 |
| Loan loss allowance to noncurrent loans | 84.6466% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 4,151 |
| Noncurrent loans to loans | 2.1166% | 3,572 |
| Net loans and leases to total assets | 71.4545% | 2,548 |
| Net loans and leases to deposits | 79.2170% | 3,753 |
| Net loans and leases to core deposits | 124.7817% | 553 |
| Total domestic deposits to total assets | 90.2010% | 816 |
| Equity capital to assets | 9.2145% | 5,124 |
| Core capital (leverage) ratio | 8.9661% | 4,661 |
| Tier 1 risk-based capital ratio | 11.7241% | 5,565 |
| Total risk-based capital ratio | 12.9789% | 5,522 |
| Memoranda: | ||
| Average total assets | $148,147,670 | 3,993 |
| Average earning assets | $139,979,000 | 3,906 |
| Average equity | $13,110,330 | 4,412 |
| Average total loans | $108,432,670 | 3,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 5,962 |
| Cost of funding earning assets | 1.4150% | 4,085 |
| Net interest margin | 3.3663% | 5,724 |
| Noninterest income to average assets | 0.1759% | 6,701 |
| Noninterest expense to average assets | 2.0305% | 7,103 |
| Loan and lease loss provision to assets | 0.7994% | 1,585 |
| Net operating income to assets | 0.5409% | 4,176 |
| Return on assets (ROA) | 0.5409% | 4,314 |
| Pretax return on assets | 0.5409% | 4,815 |
| Return on Equity (ROE) | 6.2361% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.2361% | 2,502 |
| Net charge-offs to loans | 0.2251% | 3,580 |
| Credit loss provision to net charge-offs | 483.8710% | 874 |
| Earnings coverage of net charge-offs (x) | 8.1129% | 1,989 |
| Efficiency ratio | 60.2372% | 6,122 |
| Assets per employee ($millions) | 7.0758% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 3,759 |
| Loan loss allowance to noncurrent loans | 77.2644% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7249% | 3,888 |
| Noncurrent loans to loans | 1.9779% | 3,819 |
| Net loans and leases to total assets | 73.2428% | 2,146 |
| Net loans and leases to deposits | 80.8686% | 3,484 |
| Net loans and leases to core deposits | 124.5229% | 634 |
| Total domestic deposits to total assets | 90.5702% | 706 |
| Equity capital to assets | 8.8215% | 5,507 |
| Core capital (leverage) ratio | 8.7851% | 4,880 |
| Tier 1 risk-based capital ratio | 10.9645% | 6,198 |
| Total risk-based capital ratio | 12.2164% | 6,161 |
| Memoranda: | ||
| Average total assets | $150,112,000 | 4,003 |
| Average earning assets | $142,471,000 | 3,903 |
| Average equity | $13,021,000 | 4,467 |
| Average total loans | $110,183,500 | 3,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 6,189 |
| Cost of funding earning assets | 1.8736% | 3,605 |
| Net interest margin | 3.1969% | 6,110 |
| Noninterest income to average assets | 0.2700% | 6,188 |
| Noninterest expense to average assets | 2.0170% | 7,346 |
| Loan and lease loss provision to assets | 0.6175% | 3,330 |
| Net operating income to assets | 0.6348% | 3,198 |
| Return on assets (ROA) | 0.6355% | 3,247 |
| Pretax return on assets | 0.6355% | 3,793 |
| Return on Equity (ROE) | 7.0706% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.0706% | 940 |
| Net charge-offs to loans | 0.5955% | 3,434 |
| Credit loss provision to net charge-offs | 143.8127% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.9164% | 3,624 |
| Efficiency ratio | 61.6956% | 6,204 |
| Assets per employee ($millions) | 7.5816% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,643 |
| Loan loss allowance to noncurrent loans | 240.6302% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 5,849 |
| Noncurrent loans to loans | 0.5490% | 6,141 |
| Net loans and leases to total assets | 71.4849% | 2,889 |
| Net loans and leases to deposits | 78.6518% | 4,245 |
| Net loans and leases to core deposits | 138.9150% | 844 |
| Total domestic deposits to total assets | 90.8878% | 576 |
| Equity capital to assets | 8.5299% | 5,835 |
| Core capital (leverage) ratio | 8.4591% | 5,346 |
| Tier 1 risk-based capital ratio | 10.6665% | 6,237 |
| Total risk-based capital ratio | 11.8746% | 6,249 |
| Memoranda: | ||
| Average total assets | $139,263,800 | 4,138 |
| Average earning assets | $130,658,600 | 4,075 |
| Average equity | $12,516,600 | 4,628 |
| Average total loans | $100,422,200 | 3,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 6,439 |
| Cost of funding earning assets | 1.9581% | 3,578 |
| Net interest margin | 3.0957% | 6,324 |
| Noninterest income to average assets | 0.2742% | 6,269 |
| Noninterest expense to average assets | 1.9455% | 7,475 |
| Loan and lease loss provision to assets | 0.5434% | 3,217 |
| Net operating income to assets | 0.6815% | 3,274 |
| Return on assets (ROA) | 0.6825% | 3,323 |
| Pretax return on assets | 0.6825% | 3,917 |
| Return on Equity (ROE) | 7.4870% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.4870% | 1,319 |
| Net charge-offs to loans | 0.3508% | 3,886 |
| Credit loss provision to net charge-offs | 215.1163% | 2,037 |
| Earnings coverage of net charge-offs (x) | 4.8489% | 2,994 |
| Efficiency ratio | 61.3650% | 6,216 |
| Assets per employee ($millions) | 8.1371% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,001 |
| Loan loss allowance to noncurrent loans | 153.5124% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 5,821 |
| Noncurrent loans to loans | 0.9054% | 5,478 |
| Net loans and leases to total assets | 71.9836% | 3,043 |
| Net loans and leases to deposits | 79.2640% | 4,517 |
| Net loans and leases to core deposits | 125.0777% | 1,805 |
| Total domestic deposits to total assets | 90.8151% | 476 |
| Equity capital to assets | 8.7159% | 5,933 |
| Core capital (leverage) ratio | 9.8520% | 3,455 |
| Tier 1 risk-based capital ratio | 11.1983% | 5,758 |
| Total risk-based capital ratio | 12.4490% | 5,703 |
| Memoranda: | ||
| Average total assets | $136,171,750 | 4,233 |
| Average earning assets | $127,401,250 | 4,171 |
| Average equity | $12,412,250 | 4,679 |
| Average total loans | $98,066,500 | 4,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 6,194 |
| Cost of funding earning assets | 2.1114% | 3,216 |
| Net interest margin | 3.0583% | 6,369 |
| Noninterest income to average assets | 0.2576% | 6,436 |
| Noninterest expense to average assets | 1.9572% | 7,539 |
| Loan and lease loss provision to assets | 0.4369% | 3,366 |
| Net operating income to assets | 0.7006% | 3,251 |
| Return on assets (ROA) | 0.7021% | 3,352 |
| Pretax return on assets | 0.7021% | 3,982 |
| Return on Equity (ROE) | 7.5807% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.5807% | 1,361 |
| Net charge-offs to loans | 0.1892% | 4,371 |
| Credit loss provision to net charge-offs | 322.2222% | 1,450 |
| Earnings coverage of net charge-offs (x) | 8.3889% | 2,268 |
| Efficiency ratio | 63.2425% | 6,047 |
| Assets per employee ($millions) | 7.5429% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 3,753 |
| Loan loss allowance to noncurrent loans | 368.7003% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 6,781 |
| Noncurrent loans to loans | 0.3783% | 6,565 |
| Net loans and leases to total assets | 72.3811% | 3,120 |
| Net loans and leases to deposits | 80.1805% | 4,518 |
| Net loans and leases to core deposits | 122.7826% | 2,133 |
| Total domestic deposits to total assets | 90.2727% | 720 |
| Equity capital to assets | 9.2220% | 4,975 |
| Core capital (leverage) ratio | 9.8009% | 3,519 |
| Tier 1 risk-based capital ratio | 11.7930% | 5,111 |
| Total risk-based capital ratio | 13.0443% | 5,021 |
| Memoranda: | ||
| Average total assets | $132,739,670 | 4,333 |
| Average earning assets | $123,140,000 | 4,288 |
| Average equity | $12,294,330 | 4,740 |
| Average total loans | $95,115,670 | 4,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 6,170 |
| Cost of funding earning assets | 2.2476% | 2,927 |
| Net interest margin | 2.9912% | 6,501 |
| Noninterest income to average assets | 0.2469% | 6,481 |
| Noninterest expense to average assets | 1.8899% | 7,565 |
| Loan and lease loss provision to assets | 0.3201% | 3,413 |
| Net operating income to assets | 0.7712% | 3,250 |
| Return on assets (ROA) | 0.7743% | 3,413 |
| Pretax return on assets | 0.7743% | 4,173 |
| Return on Equity (ROE) | 8.3409% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.3409% | 1,686 |
| Net charge-offs to loans | 0.0302% | 5,101 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 711 |
| Efficiency ratio | 63.3947% | 5,796 |
| Assets per employee ($millions) | 7.4549% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,726 |
| Loan loss allowance to noncurrent loans | 341.3793% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 6,572 |
| Noncurrent loans to loans | 0.3990% | 6,420 |
| Net loans and leases to total assets | 69.4513% | 3,807 |
| Net loans and leases to deposits | 76.9014% | 5,104 |
| Net loans and leases to core deposits | 106.0757% | 3,901 |
| Total domestic deposits to total assets | 90.3122% | 669 |
| Equity capital to assets | 9.1632% | 5,131 |
| Core capital (leverage) ratio | 9.2183% | 4,378 |
| Tier 1 risk-based capital ratio | 12.1179% | 4,853 |
| Total risk-based capital ratio | 13.3683% | 4,761 |
| Memoranda: | ||
| Average total assets | $131,223,000 | 4,388 |
| Average earning assets | $119,952,500 | 4,385 |
| Average equity | $12,181,000 | 4,794 |
| Average total loans | $92,841,500 | 4,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 4,247 |
| Cost of funding earning assets | 2.7676% | 2,842 |
| Net interest margin | 3.4815% | 5,356 |
| Noninterest income to average assets | 0.3139% | 6,205 |
| Noninterest expense to average assets | 1.9986% | 7,446 |
| Loan and lease loss provision to assets | 0.6715% | 2,169 |
| Net operating income to assets | 0.8940% | 3,026 |
| Return on assets (ROA) | 0.9116% | 2,803 |
| Pretax return on assets | 0.9116% | 3,688 |
| Return on Equity (ROE) | 9.4189% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.4189% | 534 |
| Net charge-offs to loans | 0.4377% | 2,641 |
| Credit loss provision to net charge-offs | 214.4772% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,788 |
| Efficiency ratio | 56.0763% | 6,998 |
| Assets per employee ($millions) | 7.1254% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,746 |
| Loan loss allowance to noncurrent loans | 276.7442% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,265 |
| Noncurrent loans to loans | 0.4715% | 5,930 |
| Net loans and leases to total assets | 70.1794% | 3,975 |
| Net loans and leases to deposits | 77.9699% | 5,340 |
| Net loans and leases to core deposits | 94.7813% | 5,381 |
| Total domestic deposits to total assets | 90.0083% | 642 |
| Equity capital to assets | 9.4077% | 4,811 |
| Core capital (leverage) ratio | 9.6398% | 3,836 |
| Tier 1 risk-based capital ratio | 12.5028% | 4,433 |
| Total risk-based capital ratio | 13.7502% | 4,338 |
| Memoranda: | ||
| Average total assets | $119,133,800 | 4,546 |
| Average earning assets | $111,216,400 | 4,491 |
| Average equity | $11,530,000 | 4,962 |
| Average total loans | $85,218,600 | 4,358 |