Home > BNY Mellon Trust of Delaware > Performance and Condition Ratios
BNY Mellon Trust of Delaware, 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 | 4.0315% | 4,257 |
| Cost of funding earning assets | 0.0023% | 4,396 |
| Net interest margin | 4.0292% | 1,229 |
| Noninterest income to average assets | 6.6900% | 118 |
| Noninterest expense to average assets | 2.2469% | 2,993 |
| Loan and lease loss provision to assets | -0.2900% | 4,399 |
| Net operating income to assets | 5.5976% | 59 |
| Return on assets (ROA) | 5.5976% | 59 |
| Pretax return on assets | 7.6031% | 60 |
| Return on Equity (ROE) | 14.5600% | 1,165 |
| Retained earnings to average equity (ytd only) | -6.7999% | 4,167 |
| Net charge-offs to loans | -9.0145% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 23.3545% | 4,423 |
| Assets per employee ($millions) | 16.7879% | 156 |
| Cash dividends to net income (ytd only)* | 146.7136% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0258% | 4,371 |
| Loan loss allowance to noncurrent loans | 0.8032% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,978 |
| Noncurrent loans to loans | 3.2075% | 192 |
| Net loans and leases to total assets | 3.3000% | 4,347 |
| Net loans and leases to deposits | 5.5597% | 4,358 |
| Net loans and leases to core deposits | 5.5597% | 4,331 |
| Total domestic deposits to total assets | 59.3900% | 4,307 |
| Equity capital to assets | 39.2838% | 140 |
| Core capital (leverage) ratio | 26.2546% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 142.1037% | 56 |
| Memoranda: | ||
| Average total assets | $243,532,000 | 2,764 |
| Average earning assets | $173,335,500 | 3,096 |
| Average equity | $93,648,500 | 1,094 |
| Average total loans | $7,854,000 | 4,320 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 3,952 |
| Cost of funding earning assets | 0.0097% | 4,411 |
| Net interest margin | 4.4121% | 731 |
| Noninterest income to average assets | 5.3400% | 141 |
| Noninterest expense to average assets | 2.0121% | 3,585 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 4.5407% | 80 |
| Return on assets (ROA) | 4.5407% | 84 |
| Pretax return on assets | 6.2717% | 77 |
| Return on Equity (ROE) | 10.7000% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.2798% | 1,719 |
| Net charge-offs to loans | 2.1019% | 73 |
| Credit loss provision to net charge-offs | 78.0899% | 2,137 |
| Earnings coverage of net charge-offs (x) | 75.7360% | 965 |
| Efficiency ratio | 23.8168% | 4,444 |
| Assets per employee ($millions) | 18.0024% | 134 |
| Cash dividends to net income (ytd only)* | 41.3351% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0378% | 4,396 |
| Loan loss allowance to noncurrent loans | 1.1494% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 2,976 |
| Noncurrent loans to loans | 3.2851% | 155 |
| Net loans and leases to total assets | 3.1500% | 4,370 |
| Net loans and leases to deposits | 5.1567% | 4,380 |
| Net loans and leases to core deposits | 5.1567% | 4,353 |
| Total domestic deposits to total assets | 61.1100% | 4,323 |
| Equity capital to assets | 37.6808% | 142 |
| Core capital (leverage) ratio | 31.1504% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 152.0432% | 55 |
| Memoranda: | ||
| Average total assets | $213,114,600 | 2,912 |
| Average earning assets | $145,031,600 | 3,303 |
| Average equity | $90,400,400 | 1,099 |
| Average total loans | $8,468,400 | 4,341 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 3,547 |
| Cost of funding earning assets | 0.0108% | 4,450 |
| Net interest margin | 4.6911% | 496 |
| Noninterest income to average assets | 5.5400% | 130 |
| Noninterest expense to average assets | 1.9752% | 3,614 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 4.9245% | 72 |
| Return on assets (ROA) | 4.9245% | 74 |
| Pretax return on assets | 6.6912% | 73 |
| Return on Equity (ROE) | 11.2200% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.2461% | 2,372 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 22.4464% | 4,483 |
| Assets per employee ($millions) | 15.5966% | 191 |
| Cash dividends to net income (ytd only)* | 53.2481% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4328% | 4,351 |
| Loan loss allowance to noncurrent loans | 8.0178% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,365 |
| Noncurrent loans to loans | 5.3986% | 62 |
| Net loans and leases to total assets | 4.0800% | 4,398 |
| Net loans and leases to deposits | 7.5853% | 4,405 |
| Net loans and leases to core deposits | 7.5853% | 4,382 |
| Total domestic deposits to total assets | 53.8400% | 4,385 |
| Equity capital to assets | 44.8805% | 131 |
| Core capital (leverage) ratio | 33.1649% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 147.9173% | 52 |
| Memoranda: | ||
| Average total assets | $203,385,000 | 2,969 |
| Average earning assets | $135,886,250 | 3,382 |
| Average equity | $89,258,500 | 1,107 |
| Average total loans | $8,599,250 | 4,368 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 3,359 |
| Cost of funding earning assets | 0.0103% | 4,462 |
| Net interest margin | 4.7456% | 451 |
| Noninterest income to average assets | 5.4600% | 134 |
| Noninterest expense to average assets | 1.9991% | 3,561 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 4.8783% | 75 |
| Return on assets (ROA) | 4.8783% | 77 |
| Pretax return on assets | 6.6338% | 71 |
| Return on Equity (ROE) | 11.2000% | 1,824 |
| Retained earnings to average equity (ytd only) | 2.1787% | 3,292 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 22.8094% | 4,497 |
| Assets per employee ($millions) | 14.4445% | 229 |
| Cash dividends to net income (ytd only)* | 80.5477% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4348% | 4,363 |
| Loan loss allowance to noncurrent loans | 8.1319% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,282 |
| Noncurrent loans to loans | 5.3473% | 50 |
| Net loans and leases to total assets | 4.1900% | 4,419 |
| Net loans and leases to deposits | 7.6195% | 4,429 |
| Net loans and leases to core deposits | 7.6195% | 4,401 |
| Total domestic deposits to total assets | 54.9800% | 4,398 |
| Equity capital to assets | 43.7468% | 136 |
| Core capital (leverage) ratio | 30.4352% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 142.0987% | 56 |
| Memoranda: | ||
| Average total assets | $203,594,667 | 2,972 |
| Average earning assets | $136,420,333 | 3,387 |
| Average equity | $88,678,667 | 1,108 |
| Average total loans | $8,693,333 | 4,386 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 3,248 |
| Cost of funding earning assets | 0.0087% | 4,489 |
| Net interest margin | 4.7341% | 447 |
| Noninterest income to average assets | 5.6000% | 125 |
| Noninterest expense to average assets | 1.9933% | 3,599 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 4.9540% | 71 |
| Return on assets (ROA) | 4.9540% | 72 |
| Pretax return on assets | 6.7574% | 69 |
| Return on Equity (ROE) | 11.4000% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.3983% | 846 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 22.3907% | 4,498 |
| Assets per employee ($millions) | 16.3444% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 4,349 |
| Loan loss allowance to noncurrent loans | 8.3512% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 2,258 |
| Noncurrent loans to loans | 5.3684% | 47 |
| Net loans and leases to total assets | 4.0800% | 4,448 |
| Net loans and leases to deposits | 7.2593% | 4,446 |
| Net loans and leases to core deposits | 7.2593% | 4,468 |
| Total domestic deposits to total assets | 56.1400% | 4,444 |
| Equity capital to assets | 42.3778% | 136 |
| Core capital (leverage) ratio | 31.1061% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 148.5592% | 53 |
| Memoranda: | ||
| Average total assets | $204,280,500 | 2,975 |
| Average earning assets | $137,218,500 | 3,391 |
| Average equity | $88,785,000 | 1,101 |
| Average total loans | $8,785,500 | 4,413 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 3,046 |
| Cost of funding earning assets | 0.0032% | 4,518 |
| Net interest margin | 4.5233% | 594 |
| Noninterest income to average assets | 5.5300% | 121 |
| Noninterest expense to average assets | 2.2954% | 2,866 |
| Loan and lease loss provision to assets | -0.2200% | 4,564 |
| Net operating income to assets | 4.6992% | 81 |
| Return on assets (ROA) | 4.6992% | 82 |
| Pretax return on assets | 6.4203% | 71 |
| Return on Equity (ROE) | 10.1900% | 2,442 |
| Retained earnings to average equity (ytd only) | -0.1226% | 4,099 |
| Net charge-offs to loans | -3.4512% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 26.5601% | 4,510 |
| Assets per employee ($millions) | 16.3403% | 166 |
| Cash dividends to net income (ytd only)* | 101.2032% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4734% | 4,354 |
| Loan loss allowance to noncurrent loans | 8.8795% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 2,004 |
| Noncurrent loans to loans | 5.3314% | 41 |
| Net loans and leases to total assets | 4.5000% | 4,463 |
| Net loans and leases to deposits | 8.3673% | 4,459 |
| Net loans and leases to core deposits | 8.3673% | 4,479 |
| Total domestic deposits to total assets | 53.8200% | 4,464 |
| Equity capital to assets | 44.6375% | 135 |
| Core capital (leverage) ratio | 32.3655% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 147.8690% | 54 |
| Memoranda: | ||
| Average total assets | $189,244,000 | 3,058 |
| Average earning assets | $124,046,600 | 3,504 |
| Average equity | $87,293,600 | 1,060 |
| Average total loans | $9,967,600 | 4,412 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,946 |
| Cost of funding earning assets | 0.0011% | 4,546 |
| Net interest margin | 4.4822% | 635 |
| Noninterest income to average assets | 5.5800% | 117 |
| Noninterest expense to average assets | 2.2253% | 3,011 |
| Loan and lease loss provision to assets | -0.2900% | 4,599 |
| Net operating income to assets | 4.8666% | 83 |
| Return on assets (ROA) | 4.8666% | 82 |
| Pretax return on assets | 6.5842% | 70 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 2.8199% | 3,550 |
| Net charge-offs to loans | -4.4784% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 25.6616% | 4,536 |
| Assets per employee ($millions) | 16.9857% | 143 |
| Cash dividends to net income (ytd only)* | 73.0460% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3347% | 4,432 |
| Loan loss allowance to noncurrent loans | 6.4182% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 1,982 |
| Noncurrent loans to loans | 5.2154% | 50 |
| Net loans and leases to total assets | 4.9400% | 4,488 |
| Net loans and leases to deposits | 9.6053% | 4,484 |
| Net loans and leases to core deposits | 9.6053% | 4,469 |
| Total domestic deposits to total assets | 51.4300% | 4,494 |
| Equity capital to assets | 47.0416% | 136 |
| Core capital (leverage) ratio | 33.0315% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 155.5539% | 53 |
| Memoranda: | ||
| Average total assets | $187,534,000 | 3,080 |
| Average earning assets | $122,674,000 | 3,523 |
| Average equity | $87,235,250 | 1,055 |
| Average total loans | $10,241,500 | 4,435 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 2,958 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 4.3712% | 732 |
| Noninterest income to average assets | 6.5100% | 103 |
| Noninterest expense to average assets | 2.2262% | 3,000 |
| Loan and lease loss provision to assets | -0.4900% | 4,635 |
| Net operating income to assets | 5.6518% | 62 |
| Return on assets (ROA) | 5.6518% | 61 |
| Pretax return on assets | 7.6319% | 55 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 0.7033% | 3,958 |
| Net charge-offs to loans | -6.5100% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 23.3348% | 4,568 |
| Assets per employee ($millions) | 14.1435% | 231 |
| Cash dividends to net income (ytd only)* | 94.2329% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2069% | 4,499 |
| Loan loss allowance to noncurrent loans | 1.3358% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 549 |
| Noncurrent loans to loans | 15.4866% | 4 |
| Net loans and leases to total assets | 5.7700% | 4,517 |
| Net loans and leases to deposits | 11.2013% | 4,508 |
| Net loans and leases to core deposits | 11.2013% | 4,495 |
| Total domestic deposits to total assets | 51.5300% | 4,518 |
| Equity capital to assets | 46.9714% | 132 |
| Core capital (leverage) ratio | 31.6436% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 145.3134% | 53 |
| Memoranda: | ||
| Average total assets | $187,764,333 | 3,082 |
| Average earning assets | $122,987,333 | 3,525 |
| Average equity | $87,015,667 | 1,050 |
| Average total loans | $10,568,333 | 4,463 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,238 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 4.1096% | 1,082 |
| Noninterest income to average assets | 6.6300% | 112 |
| Noninterest expense to average assets | 2.2223% | 3,036 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 5.3470% | 72 |
| Return on assets (ROA) | 5.3470% | 73 |
| Pretax return on assets | 7.1033% | 63 |
| Return on Equity (ROE) | 11.6100% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.6142% | 1,337 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 23.3740% | 4,635 |
| Assets per employee ($millions) | 15.6026% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,156 |
| Loan loss allowance to noncurrent loans | 13.4291% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 792 |
| Noncurrent loans to loans | 11.4474% | 8 |
| Net loans and leases to total assets | 5.4400% | 4,589 |
| Net loans and leases to deposits | 10.7158% | 4,580 |
| Net loans and leases to core deposits | 10.7158% | 4,566 |
| Total domestic deposits to total assets | 50.7600% | 4,575 |
| Equity capital to assets | 47.3234% | 91 |
| Core capital (leverage) ratio | 32.3575% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 157.5517% | 43 |
| Memoranda: | ||
| Average total assets | $189,714,000 | 3,107 |
| Average earning assets | $124,879,500 | 3,552 |
| Average equity | $87,341,500 | 1,056 |
| Average total loans | $10,535,000 | 4,528 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8477% | 4,628 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.8477% | 4,592 |
| Noninterest income to average assets | 6.1800% | 120 |
| Noninterest expense to average assets | 2.3126% | 2,686 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 3.7865% | 81 |
| Return on assets (ROA) | 3.7865% | 78 |
| Pretax return on assets | 5.0645% | 73 |
| Return on Equity (ROE) | 8.0900% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.3786% | 4,126 |
| Net charge-offs to loans | -0.4990% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 30.7424% | 4,644 |
| Assets per employee ($millions) | 17.4725% | 132 |
| Cash dividends to net income (ytd only)* | 82.9646% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,327 |
| Loan loss allowance to noncurrent loans | 13.0763% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 798 |
| Noncurrent loans to loans | 11.1215% | 8 |
| Net loans and leases to total assets | 5.5000% | 4,619 |
| Net loans and leases to deposits | 10.3826% | 4,611 |
| Net loans and leases to core deposits | 10.3826% | 4,597 |
| Total domestic deposits to total assets | 52.9700% | 4,606 |
| Equity capital to assets | 44.7869% | 91 |
| Core capital (leverage) ratio | 29.9253% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 137.4078% | 52 |
| Memoranda: | ||
| Average total assets | $190,995,000 | 3,096 |
| Average earning assets | $122,693,800 | 3,587 |
| Average equity | $89,365,800 | 1,041 |
| Average total loans | $11,622,400 | 4,534 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3068% | 4,678 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.3068% | 4,660 |
| Noninterest income to average assets | 5.9300% | 123 |
| Noninterest expense to average assets | 2.3982% | 2,340 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 3.3071% | 99 |
| Return on assets (ROA) | 3.3071% | 95 |
| Pretax return on assets | 4.4279% | 81 |
| Return on Equity (ROE) | 6.9900% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.2968% | 3,700 |
| Net charge-offs to loans | -0.6528% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.7179% | 4,656 |
| Assets per employee ($millions) | 17.2056% | 145 |
| Cash dividends to net income (ytd only)* | 52.8541% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,378 |
| Loan loss allowance to noncurrent loans | 10.6167% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 768 |
| Noncurrent loans to loans | 11.5624% | 7 |
| Net loans and leases to total assets | 5.7800% | 4,661 |
| Net loans and leases to deposits | 11.5999% | 4,649 |
| Net loans and leases to core deposits | 11.5999% | 4,635 |
| Total domestic deposits to total assets | 49.8400% | 4,654 |
| Equity capital to assets | 48.3267% | 88 |
| Core capital (leverage) ratio | 35.4050% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 136.2382% | 53 |
| Memoranda: | ||
| Average total assets | $190,694,500 | 3,119 |
| Average earning assets | $121,515,500 | 3,626 |
| Average equity | $90,187,500 | 1,046 |
| Average total loans | $11,846,250 | 4,564 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8766% | 4,744 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.8766% | 4,739 |
| Noninterest income to average assets | 6.1738% | 80 |
| Noninterest expense to average assets | 3.1344% | 692 |
| Loan and lease loss provision to assets | -0.0920% | 4,580 |
| Net operating income to assets | 2.3650% | 128 |
| Return on assets (ROA) | 2.3650% | 127 |
| Pretax return on assets | 3.6907% | 63 |
| Return on Equity (ROE) | 5.0327% | 3,810 |
| Retained earnings to average equity (ytd only) | -0.5295% | 4,242 |
| Net charge-offs to loans | -0.9585% | 4,717 |
| Credit loss provision to net charge-offs | 113.7931% | 1,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8230% | 4,459 |
| Assets per employee ($millions) | 20.8083% | 94 |
| Cash dividends to net income (ytd only)* | 110.5217% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,865 |
| Loan loss allowance to noncurrent loans | 10.5792% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 788 |
| Noncurrent loans to loans | 11.0391% | 11 |
| Net loans and leases to total assets | 6.1909% | 4,723 |
| Net loans and leases to deposits | 12.2640% | 4,709 |
| Net loans and leases to core deposits | 12.2640% | 4,704 |
| Total domestic deposits to total assets | 50.4803% | 4,718 |
| Equity capital to assets | 47.7400% | 45 |
| Core capital (leverage) ratio | 32.0560% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 130.2624% | 22 |
| Memoranda: | ||
| Average total assets | $191,293,667 | 3,154 |
| Average earning assets | $122,056,000 | 3,669 |
| Average equity | $89,892,000 | 1,054 |
| Average total loans | $12,102,000 | 4,628 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5446% | 4,778 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.5446% | 4,777 |
| Noninterest income to average assets | 6.0341% | 83 |
| Noninterest expense to average assets | 2.6963% | 1,374 |
| Loan and lease loss provision to assets | 0.0269% | 1,880 |
| Net operating income to assets | 1.9100% | 262 |
| Return on assets (ROA) | 1.9100% | 261 |
| Pretax return on assets | 3.6585% | 70 |
| Return on Equity (ROE) | 4.0961% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.0961% | 2,901 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5045% | 4,613 |
| Assets per employee ($millions) | 17.9134% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,532 |
| Loan loss allowance to noncurrent loans | 11.2821% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 702 |
| Noncurrent loans to loans | 11.1977% | 16 |
| Net loans and leases to total assets | 6.1082% | 4,751 |
| Net loans and leases to deposits | 11.7009% | 4,740 |
| Net loans and leases to core deposits | 11.7009% | 4,733 |
| Total domestic deposits to total assets | 52.2028% | 4,747 |
| Equity capital to assets | 45.9723% | 38 |
| Core capital (leverage) ratio | 32.7145% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 129.5765% | 24 |
| Memoranda: | ||
| Average total assets | $193,303,000 | 3,145 |
| Average earning assets | $123,388,000 | 3,681 |
| Average equity | $90,135,500 | 1,084 |
| Average total loans | $12,287,500 | 4,650 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6292% | 4,805 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.6292% | 4,803 |
| Noninterest income to average assets | 7.0848% | 86 |
| Noninterest expense to average assets | 3.1508% | 785 |
| Loan and lease loss provision to assets | -0.2876% | 4,766 |
| Net operating income to assets | 3.6514% | 70 |
| Return on assets (ROA) | 3.6514% | 74 |
| Pretax return on assets | 4.5959% | 64 |
| Return on Equity (ROE) | 6.6593% | 3,608 |
| Retained earnings to average equity (ytd only) | 0.9324% | 4,272 |
| Net charge-offs to loans | -1.2991% | 4,797 |
| Credit loss provision to net charge-offs | 252.1739% | 1,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2899% | 4,657 |
| Assets per employee ($millions) | 12.6373% | 341 |
| Cash dividends to net income (ytd only)* | 85.9993% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,018 |
| Loan loss allowance to noncurrent loans | 10.4618% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 711 |
| Noncurrent loans to loans | 11.1910% | 15 |
| Net loans and leases to total assets | 6.4571% | 4,792 |
| Net loans and leases to deposits | 12.6506% | 4,779 |
| Net loans and leases to core deposits | 12.6506% | 4,772 |
| Total domestic deposits to total assets | 51.0416% | 4,791 |
| Equity capital to assets | 47.3119% | 37 |
| Core capital (leverage) ratio | 44.9298% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 130.4538% | 22 |
| Memoranda: | ||
| Average total assets | $159,227,600 | 3,399 |
| Average earning assets | $94,723,400 | 3,968 |
| Average equity | $87,306,000 | 1,128 |
| Average total loans | $14,163,800 | 4,667 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6813% | 4,889 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.6813% | 4,884 |
| Noninterest income to average assets | 7.5174% | 86 |
| Noninterest expense to average assets | 3.2470% | 655 |
| Loan and lease loss provision to assets | -0.3983% | 4,861 |
| Net operating income to assets | 3.7358% | 79 |
| Return on assets (ROA) | 3.7358% | 80 |
| Pretax return on assets | 5.0635% | 62 |
| Return on Equity (ROE) | 6.5334% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.4581% | 3,751 |
| Net charge-offs to loans | -1.4968% | 4,868 |
| Credit loss provision to net charge-offs | 275.6098% | 1,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1045% | 4,718 |
| Assets per employee ($millions) | 9.8971% | 656 |
| Cash dividends to net income (ytd only)* | 47.0699% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,725 |
| Loan loss allowance to noncurrent loans | 9.8067% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 595 |
| Noncurrent loans to loans | 10.5609% | 15 |
| Net loans and leases to total assets | 8.8180% | 4,856 |
| Net loans and leases to deposits | 22.7551% | 4,802 |
| Net loans and leases to core deposits | 22.7551% | 4,806 |
| Total domestic deposits to total assets | 38.7520% | 4,878 |
| Equity capital to assets | 59.1828% | 32 |
| Core capital (leverage) ratio | 45.4957% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.8101% | 24 |
| Memoranda: | ||
| Average total assets | $151,644,750 | 3,505 |
| Average earning assets | $87,862,750 | 4,094 |
| Average equity | $86,711,500 | 1,150 |
| Average total loans | $14,608,500 | 4,729 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6471% | 4,928 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 0.6471% | 4,925 |
| Noninterest income to average assets | 7.5190% | 85 |
| Noninterest expense to average assets | 3.1197% | 814 |
| Loan and lease loss provision to assets | -0.4453% | 4,896 |
| Net operating income to assets | 3.8492% | 74 |
| Return on assets (ROA) | 3.8492% | 75 |
| Pretax return on assets | 5.2218% | 62 |
| Return on Equity (ROE) | 6.8089% | 3,701 |
| Retained earnings to average equity (ytd only) | 2.1754% | 4,074 |
| Net charge-offs to loans | -1.7653% | 4,907 |
| Credit loss provision to net charge-offs | 251.8797% | 964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5802% | 4,787 |
| Assets per employee ($millions) | 9.5403% | 702 |
| Cash dividends to net income (ytd only)* | 68.0504% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,344 |
| Loan loss allowance to noncurrent loans | 15.7932% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 640 |
| Noncurrent loans to loans | 9.9682% | 20 |
| Net loans and leases to total assets | 9.7426% | 4,893 |
| Net loans and leases to deposits | 25.9058% | 4,810 |
| Net loans and leases to core deposits | 25.9058% | 4,820 |
| Total domestic deposits to total assets | 37.6076% | 4,914 |
| Equity capital to assets | 60.4358% | 34 |
| Core capital (leverage) ratio | 45.9760% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 130.1569% | 21 |
| Memoranda: | ||
| Average total assets | $152,707,333 | 3,504 |
| Average earning assets | $89,013,667 | 4,101 |
| Average equity | $86,328,333 | 1,149 |
| Average total loans | $15,068,667 | 4,753 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6396% | 4,955 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 0.6396% | 4,951 |
| Noninterest income to average assets | 7.3723% | 92 |
| Noninterest expense to average assets | 2.9560% | 1,055 |
| Loan and lease loss provision to assets | -0.7796% | 4,950 |
| Net operating income to assets | 4.0810% | 77 |
| Return on assets (ROA) | 4.0810% | 79 |
| Pretax return on assets | 5.5768% | 65 |
| Return on Equity (ROE) | 7.4528% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.4528% | 2,437 |
| Net charge-offs to loans | -3.4277% | 4,935 |
| Credit loss provision to net charge-offs | 227.8195% | 847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2093% | 4,826 |
| Assets per employee ($millions) | 9.9993% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 1,025 |
| Loan loss allowance to noncurrent loans | 11.7837% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5681% | 384 |
| Noncurrent loans to loans | 14.5089% | 9 |
| Net loans and leases to total assets | 9.7741% | 4,921 |
| Net loans and leases to deposits | 24.6980% | 4,848 |
| Net loans and leases to core deposits | 24.6980% | 4,857 |
| Total domestic deposits to total assets | 39.5742% | 4,936 |
| Equity capital to assets | 58.0636% | 32 |
| Core capital (leverage) ratio | 43.5421% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 131.5993% | 26 |
| Memoranda: | ||
| Average total assets | $157,509,000 | 3,461 |
| Average earning assets | $93,806,500 | 4,052 |
| Average equity | $86,249,500 | 1,141 |
| Average total loans | $15,520,500 | 4,775 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0817% | 4,966 |
| Cost of funding earning assets | 0.0023% | 4,989 |
| Net interest margin | 1.0794% | 4,954 |
| Noninterest income to average assets | 7.3596% | 89 |
| Noninterest expense to average assets | 3.1655% | 1,120 |
| Loan and lease loss provision to assets | -0.4614% | 4,998 |
| Net operating income to assets | 3.9356% | 59 |
| Return on assets (ROA) | 3.9356% | 59 |
| Pretax return on assets | 5.2893% | 50 |
| Return on Equity (ROE) | 6.9497% | 3,223 |
| Retained earnings to average equity (ytd only) | 1.1135% | 4,184 |
| Net charge-offs to loans | -0.2216% | 4,906 |
| Credit loss provision to net charge-offs | 1,858.5366% | 467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5182% | 4,895 |
| Assets per employee ($millions) | 11.0019% | 399 |
| Cash dividends to net income (ytd only)* | 83.9772% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6355% | 215 |
| Loan loss allowance to noncurrent loans | 19.3270% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 520 |
| Noncurrent loans to loans | 13.6364% | 11 |
| Net loans and leases to total assets | 9.5141% | 4,943 |
| Net loans and leases to deposits | 20.5287% | 4,902 |
| Net loans and leases to core deposits | 20.5287% | 4,904 |
| Total domestic deposits to total assets | 46.3452% | 4,954 |
| Equity capital to assets | 51.7545% | 33 |
| Core capital (leverage) ratio | 30.5994% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.3320% | 24 |
| Memoranda: | ||
| Average total assets | $151,286,400 | 3,394 |
| Average earning assets | $88,844,200 | 4,046 |
| Average equity | $85,672,400 | 1,089 |
| Average total loans | $18,499,000 | 4,740 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0577% | 5,016 |
| Cost of funding earning assets | 0.0031% | 5,021 |
| Net interest margin | 1.0546% | 5,002 |
| Noninterest income to average assets | 7.5660% | 85 |
| Noninterest expense to average assets | 3.2491% | 979 |
| Loan and lease loss provision to assets | -0.4626% | 5,027 |
| Net operating income to assets | 3.9643% | 53 |
| Return on assets (ROA) | 3.9643% | 54 |
| Pretax return on assets | 5.3909% | 47 |
| Return on Equity (ROE) | 6.8362% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.7260% | 3,185 |
| Net charge-offs to loans | -0.0070% | 4,139 |
| Credit loss provision to net charge-offs | 56,300.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6524% | 4,924 |
| Assets per employee ($millions) | 10.3015% | 460 |
| Cash dividends to net income (ytd only)* | 45.4959% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3326% | 103 |
| Loan loss allowance to noncurrent loans | 21.5181% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 384 |
| Noncurrent loans to loans | 15.4873% | 15 |
| Net loans and leases to total assets | 10.9628% | 4,972 |
| Net loans and leases to deposits | 26.2327% | 4,915 |
| Net loans and leases to core deposits | 26.2327% | 4,918 |
| Total domestic deposits to total assets | 41.7905% | 4,991 |
| Equity capital to assets | 56.1619% | 31 |
| Core capital (leverage) ratio | 39.0506% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 122.3894% | 27 |
| Memoranda: | ||
| Average total assets | $147,850,750 | 3,418 |
| Average earning assets | $85,716,500 | 4,088 |
| Average equity | $85,738,000 | 1,084 |
| Average total loans | $19,092,250 | 4,766 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2118% | 5,052 |
| Cost of funding earning assets | 0.0048% | 5,054 |
| Net interest margin | 1.2070% | 5,037 |
| Noninterest income to average assets | 7.7527% | 78 |
| Noninterest expense to average assets | 3.1176% | 1,317 |
| Loan and lease loss provision to assets | -0.8062% | 5,063 |
| Net operating income to assets | 4.5047% | 42 |
| Return on assets (ROA) | 4.5047% | 41 |
| Pretax return on assets | 6.1349% | 34 |
| Return on Equity (ROE) | 7.6824% | 2,868 |
| Retained earnings to average equity (ytd only) | 2.9980% | 3,391 |
| Net charge-offs to loans | -0.0102% | 4,215 |
| Credit loss provision to net charge-offs | 61,900.0000% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8374% | 4,981 |
| Assets per employee ($millions) | 10.2977% | 461 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8025% | 165 |
| Loan loss allowance to noncurrent loans | 22.2879% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 519 |
| Noncurrent loans to loans | 12.5743% | 18 |
| Net loans and leases to total assets | 11.8551% | 5,004 |
| Net loans and leases to deposits | 27.7884% | 4,941 |
| Net loans and leases to core deposits | 27.7884% | 4,943 |
| Total domestic deposits to total assets | 42.6621% | 5,021 |
| Equity capital to assets | 55.4177% | 33 |
| Core capital (leverage) ratio | 49.0327% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 113.5983% | 31 |
| Memoranda: | ||
| Average total assets | $145,626,667 | 3,424 |
| Average earning assets | $83,679,667 | 4,116 |
| Average equity | $85,389,667 | 1,086 |
| Average total loans | $19,615,000 | 4,780 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6098% | 5,096 |
| Cost of funding earning assets | 0.0100% | 5,096 |
| Net interest margin | 1.5998% | 5,070 |
| Noninterest income to average assets | 7.9571% | 71 |
| Noninterest expense to average assets | 3.5296% | 894 |
| Loan and lease loss provision to assets | -0.1246% | 5,077 |
| Net operating income to assets | 4.0168% | 38 |
| Return on assets (ROA) | 4.0168% | 40 |
| Pretax return on assets | 5.4586% | 32 |
| Return on Equity (ROE) | 6.6507% | 3,081 |
| Retained earnings to average equity (ytd only) | 6.6507% | 1,665 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7664% | 4,999 |
| Assets per employee ($millions) | 9.4067% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3988% | 31 |
| Loan loss allowance to noncurrent loans | 51.0577% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.6074% | 634 |
| Noncurrent loans to loans | 10.5739% | 26 |
| Net loans and leases to total assets | 13.1885% | 5,046 |
| Net loans and leases to deposits | 36.3308% | 4,903 |
| Net loans and leases to core deposits | 36.3308% | 4,922 |
| Total domestic deposits to total assets | 36.3012% | 5,080 |
| Equity capital to assets | 60.7193% | 34 |
| Core capital (leverage) ratio | 49.7601% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 118.2243% | 33 |
| Memoranda: | ||
| Average total assets | $141,207,500 | 3,445 |
| Average earning assets | $80,012,000 | 4,170 |
| Average equity | $85,284,000 | 1,081 |
| Average total loans | $20,002,500 | 4,803 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4053% | 5,126 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 2.4053% | 5,011 |
| Noninterest income to average assets | 8.2807% | 71 |
| Noninterest expense to average assets | 3.4988% | 963 |
| Loan and lease loss provision to assets | -0.0433% | 5,006 |
| Net operating income to assets | 4.4540% | 48 |
| Return on assets (ROA) | 4.4540% | 51 |
| Pretax return on assets | 6.1121% | 41 |
| Return on Equity (ROE) | 6.9952% | 3,545 |
| Retained earnings to average equity (ytd only) | 2.1366% | 3,926 |
| Net charge-offs to loans | -0.0092% | 4,451 |
| Credit loss provision to net charge-offs | 2,800.0000% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3569% | 5,112 |
| Assets per employee ($millions) | 9.4210% | 427 |
| Cash dividends to net income (ytd only)* | 69.4565% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,308 |
| Loan loss allowance to noncurrent loans | 9.1304% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7514% | 515 |
| Noncurrent loans to loans | 11.3111% | 18 |
| Net loans and leases to total assets | 14.2405% | 5,104 |
| Net loans and leases to deposits | 39.8700% | 4,907 |
| Net loans and leases to core deposits | 39.8700% | 4,947 |
| Total domestic deposits to total assets | 35.7174% | 5,143 |
| Equity capital to assets | 60.0736% | 33 |
| Core capital (leverage) ratio | 52.4485% | 36 |
| Tier 1 risk-based capital ratio | 110.9162% | 41 |
| Total risk-based capital ratio | 111.5103% | 41 |
| Memoranda: | ||
| Average total assets | $129,300,600 | 3,572 |
| Average earning assets | $69,181,600 | 4,357 |
| Average equity | $82,328,000 | 1,062 |
| Average total loans | $21,693,200 | 4,823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6238% | 5,203 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 2.6238% | 4,987 |
| Noninterest income to average assets | 8.2977% | 69 |
| Noninterest expense to average assets | 3.5819% | 869 |
| Loan and lease loss provision to assets | -0.0127% | 5,062 |
| Net operating income to assets | 4.4455% | 45 |
| Return on assets (ROA) | 4.4455% | 47 |
| Pretax return on assets | 6.1093% | 38 |
| Return on Equity (ROE) | 6.8732% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.6088% | 3,598 |
| Net charge-offs to loans | -0.0060% | 4,251 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7875% | 5,180 |
| Assets per employee ($millions) | 8.2755% | 628 |
| Cash dividends to net income (ytd only)* | 47.4946% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,448 |
| Loan loss allowance to noncurrent loans | 10.6932% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.0470% | 418 |
| Noncurrent loans to loans | 11.3347% | 19 |
| Net loans and leases to total assets | 16.6122% | 5,172 |
| Net loans and leases to deposits | 55.3302% | 4,581 |
| Net loans and leases to core deposits | 55.3302% | 4,711 |
| Total domestic deposits to total assets | 30.0237% | 5,226 |
| Equity capital to assets | 66.8329% | 33 |
| Core capital (leverage) ratio | 52.5472% | 35 |
| Tier 1 risk-based capital ratio | 112.8252% | 39 |
| Total risk-based capital ratio | 113.5914% | 39 |
| Memoranda: | ||
| Average total assets | $126,297,000 | 3,647 |
| Average earning assets | $66,465,750 | 4,450 |
| Average equity | $81,686,750 | 1,065 |
| Average total loans | $22,033,000 | 4,892 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6873% | 5,258 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 2.6873% | 5,011 |
| Noninterest income to average assets | 8.2287% | 68 |
| Noninterest expense to average assets | 3.5097% | 947 |
| Loan and lease loss provision to assets | -0.0126% | 5,124 |
| Net operating income to assets | 4.4797% | 38 |
| Return on assets (ROA) | 4.4797% | 41 |
| Pretax return on assets | 6.1660% | 36 |
| Return on Equity (ROE) | 7.0020% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.0797% | 4,086 |
| Net charge-offs to loans | -0.0089% | 4,288 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0986% | 5,232 |
| Assets per employee ($millions) | 8.3875% | 587 |
| Cash dividends to net income (ytd only)* | 70.2988% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,588 |
| Loan loss allowance to noncurrent loans | 9.9961% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.0435% | 448 |
| Noncurrent loans to loans | 11.8879% | 20 |
| Net loans and leases to total assets | 16.9855% | 5,217 |
| Net loans and leases to deposits | 51.4283% | 4,760 |
| Net loans and leases to core deposits | 51.4283% | 4,831 |
| Total domestic deposits to total assets | 33.0276% | 5,270 |
| Equity capital to assets | 64.7668% | 32 |
| Core capital (leverage) ratio | 48.7671% | 38 |
| Tier 1 risk-based capital ratio | 110.9945% | 40 |
| Total risk-based capital ratio | 111.7927% | 40 |
| Memoranda: | ||
| Average total assets | $127,018,670 | 3,664 |
| Average earning assets | $67,800,330 | 4,463 |
| Average equity | $81,262,000 | 1,062 |
| Average total loans | $22,419,330 | 4,932 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7466% | 5,313 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.7466% | 5,029 |
| Noninterest income to average assets | 8.0864% | 63 |
| Noninterest expense to average assets | 3.6107% | 834 |
| Loan and lease loss provision to assets | 0.0470% | 2,705 |
| Net operating income to assets | 4.2845% | 51 |
| Return on assets (ROA) | 4.2845% | 54 |
| Pretax return on assets | 5.8799% | 43 |
| Return on Equity (ROE) | 6.7381% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.7381% | 2,139 |
| Net charge-offs to loans | -0.0175% | 4,437 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6415% | 5,261 |
| Assets per employee ($millions) | 9.5113% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,330 |
| Loan loss allowance to noncurrent loans | 10.7444% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.9571% | 513 |
| Noncurrent loans to loans | 11.6215% | 19 |
| Net loans and leases to total assets | 16.6299% | 5,281 |
| Net loans and leases to deposits | 46.2210% | 4,923 |
| Net loans and leases to core deposits | 46.2210% | 4,984 |
| Total domestic deposits to total assets | 35.9791% | 5,330 |
| Equity capital to assets | 61.5036% | 32 |
| Core capital (leverage) ratio | 47.8455% | 36 |
| Tier 1 risk-based capital ratio | 112.1363% | 38 |
| Total risk-based capital ratio | 113.0058% | 38 |
| Memoranda: | ||
| Average total assets | $127,621,500 | 3,687 |
| Average earning assets | $67,428,500 | 4,522 |
| Average equity | $81,150,500 | 1,059 |
| Average total loans | $22,815,500 | 4,978 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8752% | 5,272 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 2.8752% | 4,943 |
| Noninterest income to average assets | 9.6133% | 53 |
| Noninterest expense to average assets | 4.6691% | 261 |
| Loan and lease loss provision to assets | -0.0938% | 5,261 |
| Net operating income to assets | 4.0758% | 47 |
| Return on assets (ROA) | 4.0758% | 46 |
| Pretax return on assets | 6.4086% | 35 |
| Return on Equity (ROE) | 5.7908% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.9827% | 4,358 |
| Net charge-offs to loans | -0.0279% | 4,791 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2310% | 5,277 |
| Assets per employee ($millions) | 8.7204% | 509 |
| Cash dividends to net income (ytd only)* | 65.7606% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,886 |
| Loan loss allowance to noncurrent loans | 10.0190% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.1583% | 420 |
| Noncurrent loans to loans | 11.3543% | 21 |
| Net loans and leases to total assets | 18.7926% | 5,314 |
| Net loans and leases to deposits | 59.3886% | 4,510 |
| Net loans and leases to core deposits | 59.3886% | 4,655 |
| Total domestic deposits to total assets | 31.6435% | 5,374 |
| Equity capital to assets | 65.8590% | 31 |
| Core capital (leverage) ratio | 49.3675% | 36 |
| Tier 1 risk-based capital ratio | 85.6131% | 51 |
| Total risk-based capital ratio | 86.2668% | 51 |
| Memoranda: | ||
| Average total assets | $111,928,400 | 3,913 |
| Average earning assets | $53,353,000 | 4,797 |
| Average equity | $78,780,000 | 1,043 |
| Average total loans | $25,058,000 | 4,937 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8296% | 5,346 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 2.8296% | 5,054 |
| Noninterest income to average assets | 9.6802% | 56 |
| Noninterest expense to average assets | 4.7255% | 246 |
| Loan and lease loss provision to assets | -0.1207% | 5,362 |
| Net operating income to assets | 4.6914% | 38 |
| Return on assets (ROA) | 4.6914% | 37 |
| Pretax return on assets | 6.4258% | 35 |
| Return on Equity (ROE) | 6.5479% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.9961% | 3,773 |
| Net charge-offs to loans | -0.0313% | 4,770 |
| Credit loss provision to net charge-offs | 1,650.0000% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2099% | 5,328 |
| Assets per employee ($millions) | 7.8694% | 684 |
| Cash dividends to net income (ytd only)* | 38.9712% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,003 |
| Loan loss allowance to noncurrent loans | 10.1204% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.4126% | 372 |
| Noncurrent loans to loans | 11.2095% | 22 |
| Net loans and leases to total assets | 21.2785% | 5,374 |
| Net loans and leases to deposits | 84.5829% | 2,528 |
| Net loans and leases to core deposits | 84.5829% | 3,109 |
| Total domestic deposits to total assets | 25.1570% | 5,450 |
| Equity capital to assets | 72.2942% | 29 |
| Core capital (leverage) ratio | 52.4384% | 35 |
| Tier 1 risk-based capital ratio | 102.7096% | 40 |
| Total risk-based capital ratio | 103.5277% | 40 |
| Memoranda: | ||
| Average total assets | $109,389,250 | 3,992 |
| Average earning assets | $52,208,250 | 4,869 |
| Average equity | $78,374,000 | 1,041 |
| Average total loans | $25,520,750 | 4,982 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7831% | 5,410 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 2.7831% | 5,137 |
| Noninterest income to average assets | 9.6803% | 54 |
| Noninterest expense to average assets | 4.8677% | 229 |
| Loan and lease loss provision to assets | -0.1448% | 5,450 |
| Net operating income to assets | 4.6844% | 38 |
| Return on assets (ROA) | 4.6844% | 37 |
| Pretax return on assets | 6.2898% | 37 |
| Return on Equity (ROE) | 6.5581% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.7095% | 4,165 |
| Net charge-offs to loans | -0.0230% | 4,623 |
| Credit loss provision to net charge-offs | 2,633.3333% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5543% | 5,362 |
| Assets per employee ($millions) | 7.3226% | 823 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,051 |
| Loan loss allowance to noncurrent loans | 10.6677% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.8171% | 277 |
| Noncurrent loans to loans | 10.6651% | 28 |
| Net loans and leases to total assets | 24.2421% | 5,408 |
| Net loans and leases to deposits | 116.4846% | 151 |
| Net loans and leases to core deposits | 116.4846% | 692 |
| Total domestic deposits to total assets | 20.8114% | 5,514 |
| Equity capital to assets | 76.3461% | 30 |
| Core capital (leverage) ratio | 51.3909% | 37 |
| Tier 1 risk-based capital ratio | 94.8899% | 46 |
| Total risk-based capital ratio | 95.7298% | 46 |
| Memoranda: | ||
| Average total assets | $109,128,330 | 4,033 |
| Average earning assets | $52,243,000 | 4,925 |
| Average equity | $77,949,330 | 1,043 |
| Average total loans | $26,123,670 | 5,019 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5618% | 5,522 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 2.5618% | 5,346 |
| Noninterest income to average assets | 10.5519% | 55 |
| Noninterest expense to average assets | 5.1230% | 205 |
| Loan and lease loss provision to assets | -0.1494% | 5,530 |
| Net operating income to assets | 5.2119% | 35 |
| Return on assets (ROA) | 5.2119% | 35 |
| Pretax return on assets | 6.8555% | 35 |
| Return on Equity (ROE) | 7.5331% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.5331% | 2,032 |
| Net charge-offs to loans | -0.0150% | 4,418 |
| Credit loss provision to net charge-offs | 4,200.0000% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9323% | 5,436 |
| Assets per employee ($millions) | 7.6651% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,660 |
| Loan loss allowance to noncurrent loans | 11.8538% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7164% | 324 |
| Noncurrent loans to loans | 10.3300% | 25 |
| Net loans and leases to total assets | 24.1296% | 5,464 |
| Net loans and leases to deposits | 102.3559% | 560 |
| Net loans and leases to core deposits | 102.3559% | 1,500 |
| Total domestic deposits to total assets | 23.5743% | 5,575 |
| Equity capital to assets | 73.2127% | 32 |
| Core capital (leverage) ratio | 51.3052% | 36 |
| Tier 1 risk-based capital ratio | 94.6268% | 46 |
| Total risk-based capital ratio | 95.5606% | 46 |
| Memoranda: | ||
| Average total assets | $112,434,500 | 4,022 |
| Average earning assets | $56,055,000 | 4,911 |
| Average equity | $77,790,500 | 1,051 |
| Average total loans | $26,616,500 | 5,060 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2918% | 5,589 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 2.2918% | 5,505 |
| Noninterest income to average assets | 8.5812% | 70 |
| Noninterest expense to average assets | 4.8353% | 242 |
| Loan and lease loss provision to assets | -0.1002% | 5,477 |
| Net operating income to assets | 3.1740% | 64 |
| Return on assets (ROA) | 3.1740% | 64 |
| Pretax return on assets | 5.0724% | 45 |
| Return on Equity (ROE) | 4.8982% | 4,205 |
| Retained earnings to average equity (ytd only) | 1.0332% | 4,618 |
| Net charge-offs to loans | -0.2927% | 5,563 |
| Credit loss provision to net charge-offs | 136.3636% | 1,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4419% | 5,386 |
| Assets per employee ($millions) | 8.3969% | 553 |
| Cash dividends to net income (ytd only)* | 78.9058% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,022 |
| Loan loss allowance to noncurrent loans | 12.1151% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.5417% | 365 |
| Noncurrent loans to loans | 11.0593% | 16 |
| Net loans and leases to total assets | 22.6750% | 5,549 |
| Net loans and leases to deposits | 76.7609% | 3,254 |
| Net loans and leases to core deposits | 76.7609% | 3,686 |
| Total domestic deposits to total assets | 29.5397% | 5,638 |
| Equity capital to assets | 65.5129% | 31 |
| Core capital (leverage) ratio | 50.2156% | 34 |
| Tier 1 risk-based capital ratio | 98.8285% | 44 |
| Total risk-based capital ratio | 99.8102% | 42 |
| Memoranda: | ||
| Average total assets | $119,785,200 | 3,899 |
| Average earning assets | $64,098,800 | 4,783 |
| Average equity | $77,620,800 | 1,037 |
| Average total loans | $30,065,800 | 5,024 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2496% | 5,658 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 2.2496% | 5,590 |
| Noninterest income to average assets | 8.3925% | 73 |
| Noninterest expense to average assets | 4.8383% | 241 |
| Loan and lease loss provision to assets | -0.1219% | 5,612 |
| Net operating income to assets | 2.9039% | 87 |
| Return on assets (ROA) | 2.9039% | 88 |
| Pretax return on assets | 4.8893% | 56 |
| Return on Equity (ROE) | 4.4934% | 4,715 |
| Retained earnings to average equity (ytd only) | 1.9218% | 4,667 |
| Net charge-offs to loans | -0.3676% | 5,629 |
| Credit loss provision to net charge-offs | 129.4118% | 1,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4625% | 5,370 |
| Assets per employee ($millions) | 8.2250% | 583 |
| Cash dividends to net income (ytd only)* | 57.2301% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,321 |
| Loan loss allowance to noncurrent loans | 12.3205% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.6010% | 396 |
| Noncurrent loans to loans | 10.6187% | 22 |
| Net loans and leases to total assets | 24.1737% | 5,600 |
| Net loans and leases to deposits | 83.9876% | 2,561 |
| Net loans and leases to core deposits | 83.9876% | 3,123 |
| Total domestic deposits to total assets | 28.7825% | 5,708 |
| Equity capital to assets | 68.1007% | 31 |
| Core capital (leverage) ratio | 53.2295% | 35 |
| Tier 1 risk-based capital ratio | 102.8469% | 39 |
| Total risk-based capital ratio | 103.8371% | 39 |
| Memoranda: | ||
| Average total assets | $120,342,250 | 3,928 |
| Average earning assets | $64,898,000 | 4,817 |
| Average equity | $77,772,250 | 1,040 |
| Average total loans | $30,827,750 | 5,052 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1929% | 5,716 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 2.1929% | 5,649 |
| Noninterest income to average assets | 8.0820% | 75 |
| Noninterest expense to average assets | 4.8463% | 242 |
| Loan and lease loss provision to assets | -0.1622% | 5,693 |
| Net operating income to assets | 2.7328% | 102 |
| Return on assets (ROA) | 2.7328% | 104 |
| Pretax return on assets | 4.5956% | 59 |
| Return on Equity (ROE) | 4.3014% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.4332% | 4,988 |
| Net charge-offs to loans | -0.5299% | 5,694 |
| Credit loss provision to net charge-offs | 117.8571% | 1,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2585% | 5,342 |
| Assets per employee ($millions) | 8.0777% | 600 |
| Cash dividends to net income (ytd only)* | 89.9281% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,570 |
| Loan loss allowance to noncurrent loans | 12.4959% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.6820% | 378 |
| Noncurrent loans to loans | 10.1683% | 24 |
| Net loans and leases to total assets | 26.0408% | 5,611 |
| Net loans and leases to deposits | 91.2073% | 1,581 |
| Net loans and leases to core deposits | 91.2073% | 2,405 |
| Total domestic deposits to total assets | 28.5512% | 5,757 |
| Equity capital to assets | 68.4803% | 33 |
| Core capital (leverage) ratio | 46.8885% | 36 |
| Tier 1 risk-based capital ratio | 94.7422% | 41 |
| Total risk-based capital ratio | 95.7053% | 41 |
| Memoranda: | ||
| Average total assets | $122,073,000 | 3,930 |
| Average earning assets | $66,670,670 | 4,813 |
| Average equity | $77,557,000 | 1,041 |
| Average total loans | $31,702,000 | 5,057 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8870% | 5,808 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.8870% | 5,773 |
| Noninterest income to average assets | 7.7335% | 80 |
| Noninterest expense to average assets | 3.7767% | 699 |
| Loan and lease loss provision to assets | -0.2434% | 5,803 |
| Net operating income to assets | 3.1446% | 85 |
| Return on assets (ROA) | 3.1446% | 85 |
| Pretax return on assets | 5.2747% | 58 |
| Return on Equity (ROE) | 5.1279% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.1279% | 2,813 |
| Net charge-offs to loans | -1.0172% | 5,782 |
| Credit loss provision to net charge-offs | 92.7711% | 1,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8637% | 5,701 |
| Assets per employee ($millions) | 9.8015% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,653 |
| Loan loss allowance to noncurrent loans | 11.9725% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.6221% | 422 |
| Noncurrent loans to loans | 10.6608% | 27 |
| Net loans and leases to total assets | 24.2813% | 5,695 |
| Net loans and leases to deposits | 67.8651% | 4,005 |
| Net loans and leases to core deposits | 67.8651% | 4,303 |
| Total domestic deposits to total assets | 35.7788% | 5,816 |
| Equity capital to assets | 61.3927% | 35 |
| Core capital (leverage) ratio | 48.0455% | 39 |
| Tier 1 risk-based capital ratio | 94.9842% | 41 |
| Total risk-based capital ratio | 95.9859% | 41 |
| Memoranda: | ||
| Average total assets | $126,565,500 | 3,895 |
| Average earning assets | $72,072,500 | 4,744 |
| Average equity | $77,614,000 | 1,037 |
| Average total loans | $32,639,000 | 5,072 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2396% | 5,815 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 2.2396% | 5,732 |
| Noninterest income to average assets | 7.3748% | 81 |
| Noninterest expense to average assets | 4.6413% | 335 |
| Loan and lease loss provision to assets | 0.0424% | 3,536 |
| Net operating income to assets | 2.6049% | 129 |
| Return on assets (ROA) | 2.6049% | 130 |
| Pretax return on assets | 3.9377% | 67 |
| Return on Equity (ROE) | 4.6681% | 4,579 |
| Retained earnings to average equity (ytd only) | 0.7398% | 5,032 |
| Net charge-offs to loans | 0.0458% | 3,124 |
| Credit loss provision to net charge-offs | 341.1765% | 893 |
| Earnings coverage of net charge-offs (x) | 320.4118% | 244 |
| Efficiency ratio | 50.8348% | 5,443 |
| Assets per employee ($millions) | 9.6702% | 339 |
| Cash dividends to net income (ytd only)* | 84.1515% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,362 |
| Loan loss allowance to noncurrent loans | 11.1900% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.8008% | 391 |
| Noncurrent loans to loans | 10.3745% | 24 |
| Net loans and leases to total assets | 26.6840% | 5,715 |
| Net loans and leases to deposits | 73.5878% | 3,555 |
| Net loans and leases to core deposits | 73.5878% | 3,955 |
| Total domestic deposits to total assets | 36.2615% | 5,873 |
| Equity capital to assets | 61.2527% | 35 |
| Core capital (leverage) ratio | 52.7590% | 36 |
| Tier 1 risk-based capital ratio | 99.6007% | 40 |
| Total risk-based capital ratio | 100.5316% | 40 |
| Memoranda: | ||
| Average total assets | $136,857,400 | 3,716 |
| Average earning assets | $76,175,800 | 4,671 |
| Average equity | $76,368,600 | 1,038 |
| Average total loans | $37,145,600 | 4,976 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2516% | 5,882 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 2.2516% | 5,797 |
| Noninterest income to average assets | 7.2774% | 81 |
| Noninterest expense to average assets | 4.7835% | 305 |
| Loan and lease loss provision to assets | 0.0420% | 3,396 |
| Net operating income to assets | 2.1454% | 270 |
| Return on assets (ROA) | 2.1454% | 283 |
| Pretax return on assets | 3.6988% | 87 |
| Return on Equity (ROE) | 3.9311% | 4,928 |
| Retained earnings to average equity (ytd only) | 1.3069% | 4,990 |
| Net charge-offs to loans | 0.0668% | 2,378 |
| Credit loss provision to net charge-offs | 231.5789% | 1,269 |
| Earnings coverage of net charge-offs (x) | 206.2325% | 361 |
| Efficiency ratio | 53.1362% | 5,300 |
| Assets per employee ($millions) | 10.5898% | 243 |
| Cash dividends to net income (ytd only)* | 66.7556% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 4,010 |
| Loan loss allowance to noncurrent loans | 9.4761% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.8976% | 410 |
| Noncurrent loans to loans | 11.3099% | 26 |
| Net loans and leases to total assets | 25.3452% | 5,807 |
| Net loans and leases to deposits | 60.6722% | 4,707 |
| Net loans and leases to core deposits | 60.6722% | 4,898 |
| Total domestic deposits to total assets | 41.7740% | 5,938 |
| Equity capital to assets | 55.6604% | 35 |
| Core capital (leverage) ratio | 46.3520% | 38 |
| Tier 1 risk-based capital ratio | 97.0472% | 40 |
| Total risk-based capital ratio | 97.9219% | 41 |
| Memoranda: | ||
| Average total assets | $139,643,750 | 3,701 |
| Average earning assets | $77,337,250 | 4,679 |
| Average equity | $76,210,250 | 1,044 |
| Average total loans | $37,947,250 | 4,991 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3157% | 5,953 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 2.3157% | 5,854 |
| Noninterest income to average assets | 7.3855% | 80 |
| Noninterest expense to average assets | 4.7811% | 304 |
| Loan and lease loss provision to assets | 0.0741% | 2,656 |
| Net operating income to assets | 2.2437% | 213 |
| Return on assets (ROA) | 2.2437% | 222 |
| Pretax return on assets | 3.7861% | 78 |
| Return on Equity (ROE) | 4.1382% | 4,857 |
| Retained earnings to average equity (ytd only) | 0.1946% | 5,245 |
| Net charge-offs to loans | 0.1081% | 1,745 |
| Credit loss provision to net charge-offs | 247.6190% | 1,114 |
| Earnings coverage of net charge-offs (x) | 128.9524% | 464 |
| Efficiency ratio | 52.4084% | 5,422 |
| Assets per employee ($millions) | 10.1878% | 268 |
| Cash dividends to net income (ytd only)* | 95.2986% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 4,195 |
| Loan loss allowance to noncurrent loans | 13.5450% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.1406% | 735 |
| Noncurrent loans to loans | 7.7895% | 73 |
| Net loans and leases to total assets | 27.1902% | 5,842 |
| Net loans and leases to deposits | 67.4591% | 4,230 |
| Net loans and leases to core deposits | 67.4591% | 4,515 |
| Total domestic deposits to total assets | 40.3062% | 6,016 |
| Equity capital to assets | 57.3002% | 34 |
| Core capital (leverage) ratio | 40.3545% | 45 |
| Tier 1 risk-based capital ratio | 95.2361% | 45 |
| Total risk-based capital ratio | 96.1246% | 45 |
| Memoranda: | ||
| Average total assets | $140,302,670 | 3,712 |
| Average earning assets | $76,087,670 | 4,752 |
| Average equity | $76,071,670 | 1,051 |
| Average total loans | $38,839,670 | 5,012 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4379% | 5,984 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 2.4379% | 5,856 |
| Noninterest income to average assets | 7.4629% | 82 |
| Noninterest expense to average assets | 4.5842% | 369 |
| Loan and lease loss provision to assets | -0.0361% | 5,932 |
| Net operating income to assets | 2.4682% | 164 |
| Return on assets (ROA) | 2.4682% | 169 |
| Pretax return on assets | 4.1655% | 71 |
| Return on Equity (ROE) | 4.6742% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.6742% | 3,136 |
| Net charge-offs to loans | -0.0200% | 4,855 |
| Credit loss provision to net charge-offs | 650.0000% | 499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7772% | 5,644 |
| Assets per employee ($millions) | 10.9094% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,143 |
| Loan loss allowance to noncurrent loans | 10.7244% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.2486% | 719 |
| Noncurrent loans to loans | 8.1360% | 68 |
| Net loans and leases to total assets | 27.3963% | 5,888 |
| Net loans and leases to deposits | 83.2330% | 2,396 |
| Net loans and leases to core deposits | 83.2330% | 3,015 |
| Total domestic deposits to total assets | 32.9152% | 6,087 |
| Equity capital to assets | 54.0396% | 37 |
| Core capital (leverage) ratio | 45.8735% | 39 |
| Tier 1 risk-based capital ratio | 67.1851% | 74 |
| Total risk-based capital ratio | 67.7341% | 74 |
| Memoranda: | ||
| Average total assets | $144,233,500 | 3,663 |
| Average earning assets | $73,998,000 | 4,848 |
| Average equity | $76,163,000 | 1,045 |
| Average total loans | $40,062,000 | 5,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4433% | 6,019 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 2.4433% | 5,865 |
| Noninterest income to average assets | 6.0050% | 109 |
| Noninterest expense to average assets | 3.7257% | 948 |
| Loan and lease loss provision to assets | -0.0764% | 5,806 |
| Net operating income to assets | 2.2979% | 209 |
| Return on assets (ROA) | 2.2979% | 213 |
| Pretax return on assets | 3.5005% | 87 |
| Return on Equity (ROE) | 4.9724% | 4,516 |
| Retained earnings to average equity (ytd only) | -1.4886% | 5,709 |
| Net charge-offs to loans | -0.0333% | 5,431 |
| Credit loss provision to net charge-offs | 853.3333% | 402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9936% | 5,799 |
| Assets per employee ($millions) | 11.2804% | 184 |
| Cash dividends to net income (ytd only)* | 129.9376% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 5,227 |
| Loan loss allowance to noncurrent loans | 10.9423% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.2401% | 746 |
| Noncurrent loans to loans | 7.8821% | 77 |
| Net loans and leases to total assets | 27.6689% | 5,949 |
| Net loans and leases to deposits | 77.8716% | 3,066 |
| Net loans and leases to core deposits | 77.8716% | 3,560 |
| Total domestic deposits to total assets | 35.5314% | 6,143 |
| Equity capital to assets | 51.6117% | 39 |
| Core capital (leverage) ratio | 48.6002% | 41 |
| Tier 1 risk-based capital ratio | 73.7112% | 59 |
| Total risk-based capital ratio | 74.2713% | 62 |
| Memoranda: | ||
| Average total assets | $167,459,600 | 3,344 |
| Average earning assets | $78,459,200 | 4,752 |
| Average equity | $77,387,000 | 983 |
| Average total loans | $45,098,600 | 4,829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5202% | 6,085 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 2.5202% | 5,900 |
| Noninterest income to average assets | 5.8633% | 111 |
| Noninterest expense to average assets | 3.6980% | 977 |
| Loan and lease loss provision to assets | -0.0741% | 5,963 |
| Net operating income to assets | 1.9884% | 369 |
| Return on assets (ROA) | 1.9884% | 382 |
| Pretax return on assets | 3.3814% | 96 |
| Return on Equity (ROE) | 4.4122% | 4,866 |
| Retained earnings to average equity (ytd only) | -2.4417% | 5,895 |
| Net charge-offs to loans | -0.0347% | 5,413 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7134% | 5,795 |
| Assets per employee ($millions) | 18.3968% | 58 |
| Cash dividends to net income (ytd only)* | 155.3397% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 5,162 |
| Loan loss allowance to noncurrent loans | 11.7683% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 1,651 |
| Noncurrent loans to loans | 7.7461% | 75 |
| Net loans and leases to total assets | 17.3621% | 6,171 |
| Net loans and leases to deposits | 29.1742% | 6,086 |
| Net loans and leases to core deposits | 29.1742% | 6,101 |
| Total domestic deposits to total assets | 59.5119% | 6,179 |
| Equity capital to assets | 32.3103% | 60 |
| Core capital (leverage) ratio | 50.0850% | 41 |
| Tier 1 risk-based capital ratio | 56.5981% | 106 |
| Total risk-based capital ratio | 57.0595% | 110 |
| Memoranda: | ||
| Average total assets | $172,663,250 | 3,290 |
| Average earning assets | $78,246,000 | 4,815 |
| Average equity | $77,812,250 | 982 |
| Average total loans | $46,141,250 | 4,841 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5128% | 6,161 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 2.5128% | 5,950 |
| Noninterest income to average assets | 6.8214% | 99 |
| Noninterest expense to average assets | 4.2844% | 502 |
| Loan and lease loss provision to assets | -0.1116% | 6,096 |
| Net operating income to assets | 2.3482% | 208 |
| Return on assets (ROA) | 2.3482% | 220 |
| Pretax return on assets | 3.9961% | 82 |
| Return on Equity (ROE) | 4.5312% | 4,811 |
| Retained earnings to average equity (ytd only) | -5.7262% | 6,051 |
| Net charge-offs to loans | -0.0252% | 5,254 |
| Credit loss provision to net charge-offs | 1,400.0000% | 262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4225% | 5,878 |
| Assets per employee ($millions) | 11.7147% | 158 |
| Cash dividends to net income (ytd only)* | 226.3724% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,405 |
| Loan loss allowance to noncurrent loans | 11.5959% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 958 |
| Noncurrent loans to loans | 7.4972% | 101 |
| Net loans and leases to total assets | 29.0510% | 6,067 |
| Net loans and leases to deposits | 79.4819% | 2,851 |
| Net loans and leases to core deposits | 79.4819% | 3,444 |
| Total domestic deposits to total assets | 36.5504% | 6,304 |
| Equity capital to assets | 50.1310% | 41 |
| Core capital (leverage) ratio | 47.8874% | 42 |
| Tier 1 risk-based capital ratio | 69.6903% | 75 |
| Total risk-based capital ratio | 70.2790% | 76 |
| Memoranda: | ||
| Average total assets | $150,498,000 | 3,625 |
| Average earning assets | $80,706,330 | 4,812 |
| Average equity | $77,992,000 | 984 |
| Average total loans | $47,553,330 | 4,835 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6543% | 6,149 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 2.6543% | 5,858 |
| Noninterest income to average assets | 7.0454% | 101 |
| Noninterest expense to average assets | 4.4492% | 444 |
| Loan and lease loss provision to assets | -0.1176% | 6,219 |
| Net operating income to assets | 2.4786% | 162 |
| Return on assets (ROA) | 2.4786% | 173 |
| Pretax return on assets | 4.1203% | 85 |
| Return on Equity (ROE) | 4.7047% | 4,662 |
| Retained earnings to average equity (ytd only) | -5.4456% | 5,963 |
| Net charge-offs to loans | -0.0326% | 5,302 |
| Credit loss provision to net charge-offs | 1,100.0000% | 312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6995% | 5,934 |
| Assets per employee ($millions) | 11.9315% | 157 |
| Cash dividends to net income (ytd only)* | 215.7497% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 5,455 |
| Loan loss allowance to noncurrent loans | 17.1982% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5969% | 1,607 |
| Noncurrent loans to loans | 5.1953% | 246 |
| Net loans and leases to total assets | 30.4635% | 6,055 |
| Net loans and leases to deposits | 86.0050% | 1,833 |
| Net loans and leases to core deposits | 86.0050% | 2,550 |
| Total domestic deposits to total assets | 35.4207% | 6,376 |
| Equity capital to assets | 50.5042% | 41 |
| Core capital (leverage) ratio | 49.3635% | 40 |
| Tier 1 risk-based capital ratio | 67.1086% | 86 |
| Total risk-based capital ratio | 67.7138% | 87 |
| Memoranda: | ||
| Average total assets | $149,601,500 | 3,661 |
| Average earning assets | $79,266,500 | 4,883 |
| Average equity | $78,815,500 | 974 |
| Average total loans | $49,015,000 | 4,815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,657 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 3.7452% | 2,822 |
| Noninterest income to average assets | 7.8559% | 84 |
| Noninterest expense to average assets | 5.1626% | 280 |
| Loan and lease loss provision to assets | -0.0898% | 6,129 |
| Net operating income to assets | 2.4145% | 167 |
| Return on assets (ROA) | 2.4145% | 171 |
| Pretax return on assets | 4.5838% | 62 |
| Return on Equity (ROE) | 4.2173% | 5,014 |
| Retained earnings to average equity (ytd only) | 1.6675% | 4,979 |
| Net charge-offs to loans | -0.1688% | 6,230 |
| Credit loss provision to net charge-offs | 133.6957% | 1,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5064% | 6,067 |
| Assets per employee ($millions) | 10.2924% | 224 |
| Cash dividends to net income (ytd only)* | 60.4595% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 5,381 |
| Loan loss allowance to noncurrent loans | 18.7903% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 1,547 |
| Noncurrent loans to loans | 4.9253% | 304 |
| Net loans and leases to total assets | 34.6207% | 6,014 |
| Net loans and leases to deposits | 118.3760% | 108 |
| Net loans and leases to core deposits | 118.3760% | 450 |
| Total domestic deposits to total assets | 29.2464% | 6,470 |
| Equity capital to assets | 55.0297% | 39 |
| Core capital (leverage) ratio | 58.7653% | 37 |
| Tier 1 risk-based capital ratio | 94.8629% | 49 |
| Total risk-based capital ratio | 95.6580% | 49 |
| Memoranda: | ||
| Average total assets | $137,005,000 | 3,858 |
| Average earning assets | $65,870,200 | 5,232 |
| Average equity | $78,439,200 | 934 |
| Average total loans | $54,512,200 | 4,672 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,732 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 4.0066% | 1,858 |
| Noninterest income to average assets | 7.9939% | 81 |
| Noninterest expense to average assets | 5.3270% | 253 |
| Loan and lease loss provision to assets | -0.1025% | 6,279 |
| Net operating income to assets | 1.8693% | 445 |
| Return on assets (ROA) | 1.8693% | 460 |
| Pretax return on assets | 4.6625% | 65 |
| Return on Equity (ROE) | 3.2316% | 5,462 |
| Retained earnings to average equity (ytd only) | -0.1773% | 5,830 |
| Net charge-offs to loans | -0.2136% | 6,323 |
| Credit loss provision to net charge-offs | 116.8539% | 1,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9573% | 6,053 |
| Assets per employee ($millions) | 10.0074% | 239 |
| Cash dividends to net income (ytd only)* | 105.4851% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,521 |
| Loan loss allowance to noncurrent loans | 22.0595% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 1,964 |
| Noncurrent loans to loans | 4.1814% | 487 |
| Net loans and leases to total assets | 36.9535% | 5,995 |
| Net loans and leases to deposits | 132.2832% | 35 |
| Net loans and leases to core deposits | 132.2832% | 213 |
| Total domestic deposits to total assets | 27.9352% | 6,551 |
| Equity capital to assets | 56.0930% | 38 |
| Core capital (leverage) ratio | 59.0031% | 36 |
| Tier 1 risk-based capital ratio | 93.7973% | 49 |
| Total risk-based capital ratio | 94.6329% | 49 |
| Memoranda: | ||
| Average total assets | $135,233,000 | 3,913 |
| Average earning assets | $63,893,250 | 5,340 |
| Average equity | $78,225,500 | 936 |
| Average total loans | $55,552,250 | 4,669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,597 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 4.2949% | 1,036 |
| Noninterest income to average assets | 8.1686% | 79 |
| Noninterest expense to average assets | 5.5071% | 233 |
| Loan and lease loss provision to assets | -0.1916% | 6,470 |
| Net operating income to assets | 1.4819% | 903 |
| Return on assets (ROA) | 1.4819% | 935 |
| Pretax return on assets | 4.8664% | 65 |
| Return on Equity (ROE) | 2.5351% | 5,674 |
| Retained earnings to average equity (ytd only) | -2.5863% | 6,060 |
| Net charge-offs to loans | -0.2895% | 6,421 |
| Credit loss provision to net charge-offs | 156.0976% | 1,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2202% | 6,113 |
| Assets per employee ($millions) | 8.7344% | 364 |
| Cash dividends to net income (ytd only)* | 202.0202% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 5,934 |
| Loan loss allowance to noncurrent loans | 27.3665% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 2,592 |
| Noncurrent loans to loans | 2.9835% | 974 |
| Net loans and leases to total assets | 41.8163% | 5,688 |
| Net loans and leases to deposits | 180.6628% | 12 |
| Net loans and leases to core deposits | 180.6628% | 48 |
| Total domestic deposits to total assets | 23.1460% | 6,622 |
| Equity capital to assets | 59.1958% | 36 |
| Core capital (leverage) ratio | 61.0964% | 36 |
| Tier 1 risk-based capital ratio | 94.2910% | 47 |
| Total risk-based capital ratio | 95.0916% | 47 |
| Memoranda: | ||
| Average total assets | $133,609,670 | 3,966 |
| Average earning assets | $62,632,670 | 5,432 |
| Average equity | $78,104,670 | 934 |
| Average total loans | $56,651,330 | 4,666 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,561 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 4.5783% | 577 |
| Noninterest income to average assets | 8.0915% | 75 |
| Noninterest expense to average assets | 5.6246% | 223 |
| Loan and lease loss provision to assets | -0.1927% | 6,561 |
| Net operating income to assets | 0.0208% | 6,182 |
| Return on assets (ROA) | 0.0208% | 6,201 |
| Pretax return on assets | 4.8656% | 64 |
| Return on Equity (ROE) | 0.0357% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.0357% | 5,536 |
| Net charge-offs to loans | -0.5370% | 6,567 |
| Credit loss provision to net charge-offs | 84.4156% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7996% | 6,148 |
| Assets per employee ($millions) | 8.1881% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,874 |
| Loan loss allowance to noncurrent loans | 32.1541% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 2,845 |
| Noncurrent loans to loans | 2.7905% | 1,194 |
| Net loans and leases to total assets | 42.9128% | 5,596 |
| Net loans and leases to deposits | 207.1023% | 12 |
| Net loans and leases to core deposits | 207.1023% | 42 |
| Total domestic deposits to total assets | 20.7206% | 6,695 |
| Equity capital to assets | 59.8786% | 42 |
| Core capital (leverage) ratio | 58.0043% | 40 |
| Tier 1 risk-based capital ratio | 95.9898% | 52 |
| Total risk-based capital ratio | 96.8938% | 51 |
| Memoranda: | ||
| Average total assets | $134,906,500 | 3,981 |
| Average earning assets | $65,003,000 | 5,408 |
| Average equity | $78,379,000 | 931 |
| Average total loans | $57,358,500 | 4,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,899 |
| Cost of funding earning assets | 0.0015% | 6,795 |
| Net interest margin | 4.5923% | 623 |
| Noninterest income to average assets | 8.7137% | 76 |
| Noninterest expense to average assets | 5.3605% | 269 |
| Loan and lease loss provision to assets | 0.0660% | 3,809 |
| Net operating income to assets | 4.0712% | 65 |
| Return on assets (ROA) | 4.0712% | 64 |
| Pretax return on assets | 5.5314% | 48 |
| Return on Equity (ROE) | 6.8796% | 3,633 |
| Retained earnings to average equity (ytd only) | -0.5565% | 5,983 |
| Net charge-offs to loans | 0.3872% | 1,744 |
| Credit loss provision to net charge-offs | 37.5000% | 4,087 |
| Earnings coverage of net charge-offs (x) | 31.8000% | 1,124 |
| Efficiency ratio | 46.1883% | 6,548 |
| Assets per employee ($millions) | 8.6752% | 372 |
| Cash dividends to net income (ytd only)* | 108.0886% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,041 |
| Loan loss allowance to noncurrent loans | 24.4948% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4618% | 2,550 |
| Noncurrent loans to loans | 3.4990% | 895 |
| Net loans and leases to total assets | 41.4191% | 5,858 |
| Net loans and leases to deposits | 160.3565% | 15 |
| Net loans and leases to core deposits | 160.3565% | 71 |
| Total domestic deposits to total assets | 25.8294% | 6,773 |
| Equity capital to assets | 56.4188% | 40 |
| Core capital (leverage) ratio | 60.2852% | 38 |
| Tier 1 risk-based capital ratio | 92.2365% | 52 |
| Total risk-based capital ratio | 93.0864% | 52 |
| Memoranda: | ||
| Average total assets | $136,349,000 | 3,948 |
| Average earning assets | $66,634,000 | 5,387 |
| Average equity | $80,688,400 | 886 |
| Average total loans | $61,990,400 | 4,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,419 |
| Cost of funding earning assets | 0.0020% | 6,873 |
| Net interest margin | 4.7676% | 458 |
| Noninterest income to average assets | 8.9417% | 76 |
| Noninterest expense to average assets | 5.5450% | 249 |
| Loan and lease loss provision to assets | 0.1758% | 2,070 |
| Net operating income to assets | 3.4331% | 84 |
| Return on assets (ROA) | 3.4331% | 84 |
| Pretax return on assets | 5.5450% | 49 |
| Return on Equity (ROE) | 5.7329% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.4523% | 4,863 |
| Net charge-offs to loans | 0.5503% | 1,156 |
| Credit loss provision to net charge-offs | 68.8462% | 3,091 |
| Earnings coverage of net charge-offs (x) | 22.3999% | 1,498 |
| Efficiency ratio | 46.5516% | 6,567 |
| Assets per employee ($millions) | 8.1129% | 446 |
| Cash dividends to net income (ytd only)* | 57.2246% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 5,935 |
| Loan loss allowance to noncurrent loans | 25.5185% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7087% | 2,402 |
| Noncurrent loans to loans | 3.7035% | 997 |
| Net loans and leases to total assets | 45.7009% | 5,577 |
| Net loans and leases to deposits | 226.8739% | 12 |
| Net loans and leases to core deposits | 226.8739% | 40 |
| Total domestic deposits to total assets | 20.1438% | 6,857 |
| Equity capital to assets | 63.2570% | 38 |
| Core capital (leverage) ratio | 60.5495% | 35 |
| Tier 1 risk-based capital ratio | 96.9759% | 47 |
| Total risk-based capital ratio | 97.9596% | 47 |
| Memoranda: | ||
| Average total assets | $135,735,500 | 3,997 |
| Average earning assets | $66,167,500 | 5,448 |
| Average equity | $81,282,750 | 885 |
| Average total loans | $62,991,000 | 4,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 862 |
| Cost of funding earning assets | 0.0030% | 6,919 |
| Net interest margin | 5.0338% | 293 |
| Noninterest income to average assets | 8.9593% | 75 |
| Noninterest expense to average assets | 5.6161% | 250 |
| Loan and lease loss provision to assets | 0.2135% | 1,770 |
| Net operating income to assets | 3.4652% | 81 |
| Return on assets (ROA) | 3.4652% | 85 |
| Pretax return on assets | 5.6074% | 51 |
| Return on Equity (ROE) | 5.8909% | 4,233 |
| Retained earnings to average equity (ytd only) | 0.9530% | 5,526 |
| Net charge-offs to loans | 0.5592% | 1,179 |
| Credit loss provision to net charge-offs | 82.1229% | 2,588 |
| Earnings coverage of net charge-offs (x) | 22.3911% | 1,370 |
| Efficiency ratio | 46.5143% | 6,612 |
| Assets per employee ($millions) | 8.2959% | 414 |
| Cash dividends to net income (ytd only)* | 83.8223% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 5,851 |
| Loan loss allowance to noncurrent loans | 26.3271% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7599% | 2,477 |
| Noncurrent loans to loans | 3.7708% | 1,081 |
| Net loans and leases to total assets | 46.2082% | 5,509 |
| Net loans and leases to deposits | 206.8182% | 12 |
| Net loans and leases to core deposits | 206.8182% | 43 |
| Total domestic deposits to total assets | 22.3424% | 6,905 |
| Equity capital to assets | 60.9384% | 37 |
| Core capital (leverage) ratio | 59.6287% | 35 |
| Tier 1 risk-based capital ratio | 92.7533% | 47 |
| Total risk-based capital ratio | 93.7980% | 47 |
| Memoranda: | ||
| Average total assets | $137,711,670 | 3,990 |
| Average earning assets | $67,781,670 | 5,450 |
| Average equity | $81,006,330 | 893 |
| Average total loans | $64,025,000 | 4,539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 4,269 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 3.9597% | 1,920 |
| Noninterest income to average assets | 10.1940% | 69 |
| Noninterest expense to average assets | 5.0927% | 347 |
| Loan and lease loss provision to assets | 0.2596% | 1,374 |
| Net operating income to assets | 4.2482% | 53 |
| Return on assets (ROA) | 4.2482% | 56 |
| Pretax return on assets | 6.8188% | 45 |
| Return on Equity (ROE) | 7.3471% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.3471% | 2,003 |
| Net charge-offs to loans | 0.2890% | 1,811 |
| Credit loss provision to net charge-offs | 193.6170% | 1,119 |
| Earnings coverage of net charge-offs (x) | 52.7872% | 646 |
| Efficiency ratio | 39.4515% | 6,881 |
| Assets per employee ($millions) | 10.1355% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,689 |
| Loan loss allowance to noncurrent loans | 19.1254% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 2.6921% | 1,685 |
| Noncurrent loans to loans | 5.6302% | 629 |
| Net loans and leases to total assets | 44.7374% | 5,586 |
| Net loans and leases to deposits | 169.6219% | 17 |
| Net loans and leases to core deposits | 169.6219% | 58 |
| Total domestic deposits to total assets | 26.3748% | 6,978 |
| Equity capital to assets | 57.6975% | 37 |
| Core capital (leverage) ratio | 59.3094% | 34 |
| Tier 1 risk-based capital ratio | 88.7757% | 52 |
| Total risk-based capital ratio | 89.8787% | 52 |
| Memoranda: | ||
| Average total assets | $140,200,500 | 3,981 |
| Average earning assets | $70,004,500 | 5,436 |
| Average equity | $81,066,500 | 904 |
| Average total loans | $65,063,000 | 4,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 6,851 |
| Cost of funding earning assets | 0.1443% | 6,929 |
| Net interest margin | 2.6569% | 6,578 |
| Noninterest income to average assets | 6.2657% | 111 |
| Noninterest expense to average assets | 4.7199% | 468 |
| Loan and lease loss provision to assets | -0.1978% | 6,980 |
| Net operating income to assets | 2.2177% | 249 |
| Return on assets (ROA) | 2.2177% | 272 |
| Pretax return on assets | 3.3683% | 110 |
| Return on Equity (ROE) | 5.7508% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.0579% | 4,083 |
| Net charge-offs to loans | 0.6584% | 1,788 |
| Credit loss provision to net charge-offs | -80.3797% | 6,312 |
| Earnings coverage of net charge-offs (x) | 12.8819% | 1,890 |
| Efficiency ratio | 57.0150% | 5,953 |
| Assets per employee ($millions) | 9.8931% | 247 |
| Cash dividends to net income (ytd only)* | 46.8274% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 6,028 |
| Loan loss allowance to noncurrent loans | 18.8465% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 2.6281% | 1,851 |
| Noncurrent loans to loans | 5.2051% | 745 |
| Net loans and leases to total assets | 47.1517% | 5,498 |
| Net loans and leases to deposits | 237.0146% | 15 |
| Net loans and leases to core deposits | 237.0146% | 45 |
| Total domestic deposits to total assets | 19.8940% | 7,047 |
| Equity capital to assets | 57.9492% | 39 |
| Core capital (leverage) ratio | 57.8748% | 35 |
| Tier 1 risk-based capital ratio | 84.7979% | 58 |
| Total risk-based capital ratio | 85.8131% | 58 |
| Memoranda: | ||
| Average total assets | $192,587,200 | 3,143 |
| Average earning assets | $117,771,000 | 4,165 |
| Average equity | $74,267,600 | 955 |
| Average total loans | $71,995,800 | 4,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4777% | 7,054 |
| Cost of funding earning assets | 0.1698% | 7,000 |
| Net interest margin | 2.3080% | 6,943 |
| Noninterest income to average assets | 5.7800% | 127 |
| Noninterest expense to average assets | 4.5108% | 534 |
| Loan and lease loss provision to assets | 0.1391% | 3,804 |
| Net operating income to assets | 1.7266% | 655 |
| Return on assets (ROA) | 1.7266% | 719 |
| Pretax return on assets | 2.5902% | 259 |
| Return on Equity (ROE) | 4.8902% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.0580% | 4,722 |
| Net charge-offs to loans | 0.7745% | 1,427 |
| Credit loss provision to net charge-offs | 50.3513% | 4,394 |
| Earnings coverage of net charge-offs (x) | 9.8805% | 2,261 |
| Efficiency ratio | 59.4442% | 5,592 |
| Assets per employee ($millions) | 9.5147% | 276 |
| Cash dividends to net income (ytd only)* | 37.4672% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 2,581 |
| Loan loss allowance to noncurrent loans | 27.3885% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 3.4452% | 1,460 |
| Noncurrent loans to loans | 6.8288% | 546 |
| Net loans and leases to total assets | 47.4236% | 5,620 |
| Net loans and leases to deposits | 391.5254% | 9 |
| Net loans and leases to core deposits | 391.5254% | 31 |
| Total domestic deposits to total assets | 12.1125% | 7,157 |
| Equity capital to assets | 51.8561% | 38 |
| Core capital (leverage) ratio | 37.6611% | 45 |
| Tier 1 risk-based capital ratio | 84.4567% | 57 |
| Total risk-based capital ratio | 85.7170% | 57 |
| Memoranda: | ||
| Average total assets | $206,108,000 | 3,007 |
| Average earning assets | $130,385,750 | 3,928 |
| Average equity | $72,769,000 | 976 |
| Average total loans | $73,506,250 | 4,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2096% | 7,161 |
| Cost of funding earning assets | 0.1673% | 7,081 |
| Net interest margin | 2.0423% | 7,092 |
| Noninterest income to average assets | 5.3565% | 129 |
| Noninterest expense to average assets | 4.1050% | 830 |
| Loan and lease loss provision to assets | 0.0898% | 4,450 |
| Net operating income to assets | 1.6511% | 749 |
| Return on assets (ROA) | 1.6511% | 835 |
| Pretax return on assets | 2.5154% | 293 |
| Return on Equity (ROE) | 5.1855% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.4214% | 4,981 |
| Net charge-offs to loans | 0.7198% | 1,537 |
| Credit loss provision to net charge-offs | 37.7778% | 4,311 |
| Earnings coverage of net charge-offs (x) | 10.9630% | 2,007 |
| Efficiency ratio | 58.3814% | 5,818 |
| Assets per employee ($millions) | 14.7259% | 85 |
| Cash dividends to net income (ytd only)* | 53.3049% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 2,685 |
| Loan loss allowance to noncurrent loans | 26.6533% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 2.3596% | 2,366 |
| Noncurrent loans to loans | 6.9637% | 559 |
| Net loans and leases to total assets | 31.9341% | 6,809 |
| Net loans and leases to deposits | 61.7479% | 5,033 |
| Net loans and leases to core deposits | 495.4625% | 29 |
| Total domestic deposits to total assets | 6.4453% | 7,231 |
| Equity capital to assets | 33.0112% | 58 |
| Core capital (leverage) ratio | 30.3727% | 60 |
| Tier 1 risk-based capital ratio | 65.1548% | 85 |
| Total risk-based capital ratio | 66.4095% | 84 |
| Memoranda: | ||
| Average total assets | $227,237,330 | 2,783 |
| Average earning assets | $150,616,670 | 3,589 |
| Average equity | $72,355,670 | 971 |
| Average total loans | $75,017,330 | 4,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2343% | 7,220 |
| Cost of funding earning assets | 0.1745% | 7,142 |
| Net interest margin | 2.0598% | 7,147 |
| Noninterest income to average assets | 5.5917% | 126 |
| Noninterest expense to average assets | 4.0345% | 900 |
| Loan and lease loss provision to assets | 0.4097% | 1,537 |
| Net operating income to assets | 1.6562% | 784 |
| Return on assets (ROA) | 1.6562% | 875 |
| Pretax return on assets | 2.5207% | 325 |
| Return on Equity (ROE) | 5.2945% | 4,647 |
| Retained earnings to average equity (ytd only) | 5.2945% | 3,380 |
| Net charge-offs to loans | 1.9689% | 480 |
| Credit loss provision to net charge-offs | 62.5995% | 3,062 |
| Earnings coverage of net charge-offs (x) | 4.4775% | 2,565 |
| Efficiency ratio | 55.2592% | 6,197 |
| Assets per employee ($millions) | 16.5707% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,935 |
| Loan loss allowance to noncurrent loans | 30.9811% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 1.8936% | 3,051 |
| Noncurrent loans to loans | 5.8618% | 868 |
| Net loans and leases to total assets | 31.7177% | 6,842 |
| Net loans and leases to deposits | 58.6806% | 5,303 |
| Net loans and leases to core deposits | 289.7614% | 38 |
| Total domestic deposits to total assets | 10.9462% | 7,286 |
| Equity capital to assets | 31.3371% | 53 |
| Core capital (leverage) ratio | 29.4296% | 65 |
| Tier 1 risk-based capital ratio | 63.7799% | 84 |
| Total risk-based capital ratio | 65.0344% | 84 |
| Memoranda: | ||
| Average total assets | $230,411,500 | 2,762 |
| Average earning assets | $153,605,500 | 3,555 |
| Average equity | $72,074,500 | 969 |
| Average total loans | $76,589,500 | 4,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1389% | 7,277 |
| Cost of funding earning assets | 0.1712% | 7,263 |
| Net interest margin | 1.9676% | 7,227 |
| Noninterest income to average assets | 4.9082% | 126 |
| Noninterest expense to average assets | 3.6398% | 1,663 |
| Loan and lease loss provision to assets | 0.3690% | 2,777 |
| Net operating income to assets | 1.7035% | 545 |
| Return on assets (ROA) | 1.7035% | 583 |
| Pretax return on assets | 2.2572% | 327 |
| Return on Equity (ROE) | 5.8283% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.8569% | 5,465 |
| Net charge-offs to loans | 0.2670% | 4,099 |
| Credit loss provision to net charge-offs | 434.6847% | 523 |
| Earnings coverage of net charge-offs (x) | 30.9369% | 826 |
| Efficiency ratio | 55.3793% | 6,379 |
| Assets per employee ($millions) | 15.2555% | 85 |
| Cash dividends to net income (ytd only)* | 85.2974% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 2,507 |
| Loan loss allowance to noncurrent loans | 29.1481% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 2.2519% | 2,673 |
| Noncurrent loans to loans | 6.5865% | 702 |
| Net loans and leases to total assets | 33.5328% | 6,887 |
| Net loans and leases to deposits | 62.2442% | 5,208 |
| Net loans and leases to core deposits | 329.6276% | 39 |
| Total domestic deposits to total assets | 10.1729% | 7,334 |
| Equity capital to assets | 31.2236% | 62 |
| Core capital (leverage) ratio | 29.2307% | 70 |
| Tier 1 risk-based capital ratio | 61.1544% | 92 |
| Total risk-based capital ratio | 62.4115% | 89 |
| Memoranda: | ||
| Average total assets | $261,522,000 | 2,415 |
| Average earning assets | $180,469,200 | 3,084 |
| Average equity | $76,437,600 | 877 |
| Average total loans | $83,150,800 | 4,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1013% | 7,360 |
| Cost of funding earning assets | 0.1782% | 7,346 |
| Net interest margin | 1.9230% | 7,315 |
| Noninterest income to average assets | 4.8300% | 129 |
| Noninterest expense to average assets | 3.4987% | 1,938 |
| Loan and lease loss provision to assets | 0.4800% | 2,066 |
| Net operating income to assets | 1.4698% | 1,008 |
| Return on assets (ROA) | 1.4698% | 1,088 |
| Pretax return on assets | 2.1901% | 433 |
| Return on Equity (ROE) | 5.1026% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.0132% | 5,128 |
| Net charge-offs to loans | 0.3682% | 3,250 |
| Credit loss provision to net charge-offs | 416.7382% | 677 |
| Earnings coverage of net charge-offs (x) | 23.1802% | 1,124 |
| Efficiency ratio | 54.0471% | 6,481 |
| Assets per employee ($millions) | 15.2687% | 88 |
| Cash dividends to net income (ytd only)* | 60.5449% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 2,784 |
| Loan loss allowance to noncurrent loans | 31.5823% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 2.0696% | 3,059 |
| Noncurrent loans to loans | 5.8529% | 970 |
| Net loans and leases to total assets | 34.7064% | 6,923 |
| Net loans and leases to deposits | 63.5721% | 5,229 |
| Net loans and leases to core deposits | 317.4948% | 41 |
| Total domestic deposits to total assets | 10.9313% | 7,408 |
| Equity capital to assets | 34.3649% | 58 |
| Core capital (leverage) ratio | 22.8390% | 137 |
| Tier 1 risk-based capital ratio | 63.5279% | 97 |
| Total risk-based capital ratio | 64.7846% | 97 |
| Memoranda: | ||
| Average total assets | $269,694,250 | 2,357 |
| Average earning assets | $187,753,000 | 3,000 |
| Average equity | $77,684,500 | 873 |
| Average total loans | $84,379,500 | 4,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0042% | 7,447 |
| Cost of funding earning assets | 0.1770% | 7,426 |
| Net interest margin | 1.8273% | 7,402 |
| Noninterest income to average assets | 4.5599% | 145 |
| Noninterest expense to average assets | 3.2982% | 2,573 |
| Loan and lease loss provision to assets | 0.6934% | 1,371 |
| Net operating income to assets | 1.2583% | 1,425 |
| Return on assets (ROA) | 1.2583% | 1,489 |
| Pretax return on assets | 1.8662% | 761 |
| Return on Equity (ROE) | 4.6080% | 4,642 |
| Retained earnings to average equity (ytd only) | -0.0465% | 5,847 |
| Net charge-offs to loans | 0.5216% | 2,534 |
| Credit loss provision to net charge-offs | 440.3587% | 688 |
| Earnings coverage of net charge-offs (x) | 16.2556% | 1,352 |
| Efficiency ratio | 53.6283% | 6,653 |
| Assets per employee ($millions) | 16.5106% | 79 |
| Cash dividends to net income (ytd only)* | 101.0101% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,920 |
| Loan loss allowance to noncurrent loans | 33.5470% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 3,780 |
| Noncurrent loans to loans | 5.4251% | 1,168 |
| Net loans and leases to total assets | 29.1755% | 7,206 |
| Net loans and leases to deposits | 46.8559% | 6,787 |
| Net loans and leases to core deposits | 330.6015% | 44 |
| Total domestic deposits to total assets | 8.8250% | 7,490 |
| Equity capital to assets | 27.5434% | 97 |
| Core capital (leverage) ratio | 22.0083% | 159 |
| Tier 1 risk-based capital ratio | 54.0935% | 134 |
| Total risk-based capital ratio | 55.3476% | 134 |
| Memoranda: | ||
| Average total assets | $283,249,000 | 2,259 |
| Average earning assets | $201,174,670 | 2,859 |
| Average equity | $77,344,000 | 878 |
| Average total loans | $85,511,000 | 4,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9950% | 7,508 |
| Cost of funding earning assets | 0.2070% | 7,474 |
| Net interest margin | 1.7880% | 7,454 |
| Noninterest income to average assets | 4.5703% | 144 |
| Noninterest expense to average assets | 3.2516% | 2,700 |
| Loan and lease loss provision to assets | 1.1612% | 610 |
| Net operating income to assets | 0.9658% | 2,293 |
| Return on assets (ROA) | 0.9658% | 2,358 |
| Pretax return on assets | 1.4325% | 1,641 |
| Return on Equity (ROE) | 3.5522% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.5522% | 4,056 |
| Net charge-offs to loans | 0.1848% | 3,385 |
| Credit loss provision to net charge-offs | 2,065.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 46.1250% | 612 |
| Efficiency ratio | 52.9582% | 6,782 |
| Assets per employee ($millions) | 16.4979% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,975 |
| Loan loss allowance to noncurrent loans | 33.6308% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6380% | 3,794 |
| Noncurrent loans to loans | 5.3861% | 1,218 |
| Net loans and leases to total assets | 29.8604% | 7,234 |
| Net loans and leases to deposits | 47.6049% | 6,770 |
| Net loans and leases to core deposits | 323.0645% | 45 |
| Total domestic deposits to total assets | 9.2429% | 7,554 |
| Equity capital to assets | 27.7421% | 91 |
| Core capital (leverage) ratio | 21.3237% | 176 |
| Tier 1 risk-based capital ratio | 54.8763% | 128 |
| Total risk-based capital ratio | 56.1308% | 128 |
| Memoranda: | ||
| Average total assets | $284,533,000 | 2,269 |
| Average earning assets | $202,910,500 | 2,860 |
| Average equity | $77,361,500 | 867 |
| Average total loans | $86,562,500 | 4,058 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1600% | 7,470 |
| Cost of funding earning assets | 0.2074% | 7,550 |
| Net interest margin | 2.9526% | 6,816 |
| Noninterest income to average assets | 4.2176% | 158 |
| Noninterest expense to average assets | 3.3931% | 2,453 |
| Loan and lease loss provision to assets | -0.2781% | 7,631 |
| Net operating income to assets | 2.7074% | 90 |
| Return on assets (ROA) | 2.7074% | 92 |
| Pretax return on assets | 3.0335% | 115 |
| Return on Equity (ROE) | 10.6859% | 1,694 |
| Retained earnings to average equity (ytd only) | 1.0346% | 5,022 |
| Net charge-offs to loans | 0.1215% | 5,672 |
| Credit loss provision to net charge-offs | -735.3448% | 7,133 |
| Earnings coverage of net charge-offs (x) | 72.8534% | 328 |
| Efficiency ratio | 52.7362% | 6,926 |
| Assets per employee ($millions) | 16.9765% | 75 |
| Cash dividends to net income (ytd only)* | 90.3179% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 6,812 |
| Loan loss allowance to noncurrent loans | 16.2179% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6216% | 3,883 |
| Noncurrent loans to loans | 5.3284% | 1,239 |
| Net loans and leases to total assets | 30.1707% | 7,347 |
| Net loans and leases to deposits | 47.5500% | 6,971 |
| Net loans and leases to core deposits | 262.9095% | 58 |
| Total domestic deposits to total assets | 11.4757% | 7,624 |
| Equity capital to assets | 26.6513% | 105 |
| Core capital (leverage) ratio | 21.5636% | 180 |
| Tier 1 risk-based capital ratio | 52.8547% | 137 |
| Total risk-based capital ratio | 53.6475% | 137 |
| Memoranda: | ||
| Average total assets | $306,711,400 | 2,120 |
| Average earning assets | $200,566,800 | 2,869 |
| Average equity | $77,709,800 | 850 |
| Average total loans | $95,435,400 | 3,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 7,512 |
| Cost of funding earning assets | 0.2057% | 7,675 |
| Net interest margin | 3.3535% | 5,834 |
| Noninterest income to average assets | 4.3340% | 160 |
| Noninterest expense to average assets | 3.4429% | 2,176 |
| Loan and lease loss provision to assets | -0.3538% | 7,738 |
| Net operating income to assets | 3.4301% | 55 |
| Return on assets (ROA) | 3.4301% | 59 |
| Pretax return on assets | 3.3889% | 94 |
| Return on Equity (ROE) | 13.7030% | 1,096 |
| Retained earnings to average equity (ytd only) | 5.1461% | 2,876 |
| Net charge-offs to loans | 0.0973% | 5,555 |
| Credit loss provision to net charge-offs | -1,163.3803% | 7,097 |
| Earnings coverage of net charge-offs (x) | 99.7933% | 306 |
| Efficiency ratio | 50.8597% | 7,083 |
| Assets per employee ($millions) | 16.7744% | 80 |
| Cash dividends to net income (ytd only)* | 62.4454% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,731 |
| Loan loss allowance to noncurrent loans | 18.2117% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6001% | 4,049 |
| Noncurrent loans to loans | 4.9702% | 1,398 |
| Net loans and leases to total assets | 31.9033% | 7,412 |
| Net loans and leases to deposits | 52.0300% | 6,894 |
| Net loans and leases to core deposits | 366.0310% | 38 |
| Total domestic deposits to total assets | 8.7160% | 7,735 |
| Equity capital to assets | 27.6040% | 105 |
| Core capital (leverage) ratio | 22.2088% | 170 |
| Tier 1 risk-based capital ratio | 54.4996% | 134 |
| Total risk-based capital ratio | 55.3573% | 134 |
| Memoranda: | ||
| Average total assets | $311,239,000 | 2,119 |
| Average earning assets | $198,990,250 | 2,936 |
| Average equity | $77,908,250 | 851 |
| Average total loans | $97,336,250 | 3,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 7,407 |
| Cost of funding earning assets | 0.1844% | 7,751 |
| Net interest margin | 3.7459% | 4,158 |
| Noninterest income to average assets | 4.0909% | 164 |
| Noninterest expense to average assets | 3.5208% | 1,981 |
| Loan and lease loss provision to assets | -0.4739% | 7,811 |
| Net operating income to assets | 4.2353% | 46 |
| Return on assets (ROA) | 4.2353% | 47 |
| Pretax return on assets | 3.3807% | 93 |
| Return on Equity (ROE) | 17.4526% | 521 |
| Retained earnings to average equity (ytd only) | 4.5725% | 3,166 |
| Net charge-offs to loans | 0.2944% | 3,851 |
| Credit loss provision to net charge-offs | -519.1781% | 6,827 |
| Earnings coverage of net charge-offs (x) | 31.8493% | 881 |
| Efficiency ratio | 52.5287% | 7,026 |
| Assets per employee ($millions) | 18.7116% | 70 |
| Cash dividends to net income (ytd only)* | 73.8007% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 6,922 |
| Loan loss allowance to noncurrent loans | 19.7555% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 4,391 |
| Noncurrent loans to loans | 4.2778% | 1,736 |
| Net loans and leases to total assets | 32.2928% | 7,474 |
| Net loans and leases to deposits | 50.4880% | 7,047 |
| Net loans and leases to core deposits | 233.0144% | 70 |
| Total domestic deposits to total assets | 13.8587% | 7,793 |
| Equity capital to assets | 25.8051% | 125 |
| Core capital (leverage) ratio | 21.8147% | 186 |
| Tier 1 risk-based capital ratio | 52.0805% | 147 |
| Total risk-based capital ratio | 52.9146% | 148 |
| Memoranda: | ||
| Average total assets | $319,930,330 | 2,072 |
| Average earning assets | $199,577,330 | 2,960 |
| Average equity | $77,638,670 | 842 |
| Average total loans | $99,179,000 | 3,923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 7,422 |
| Cost of funding earning assets | 0.1788% | 7,858 |
| Net interest margin | 3.8639% | 3,494 |
| Noninterest income to average assets | 4.1465% | 158 |
| Noninterest expense to average assets | 3.5263% | 1,919 |
| Loan and lease loss provision to assets | -0.8601% | 7,915 |
| Net operating income to assets | 6.4990% | 29 |
| Return on assets (ROA) | 6.4990% | 31 |
| Pretax return on assets | 3.8098% | 81 |
| Return on Equity (ROE) | 27.5731% | 115 |
| Retained earnings to average equity (ytd only) | 27.5731% | 86 |
| Net charge-offs to loans | 0.5839% | 2,346 |
| Credit loss provision to net charge-offs | -486.3014% | 6,264 |
| Earnings coverage of net charge-offs (x) | 16.6781% | 1,324 |
| Efficiency ratio | 52.3008% | 7,122 |
| Assets per employee ($millions) | 17.8240% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,896 |
| Loan loss allowance to noncurrent loans | 23.7408% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,600 |
| Noncurrent loans to loans | 3.7116% | 2,144 |
| Net loans and leases to total assets | 34.3946% | 7,482 |
| Net loans and leases to deposits | 56.0682% | 6,769 |
| Net loans and leases to core deposits | 393.2328% | 42 |
| Total domestic deposits to total assets | 8.7466% | 7,903 |
| Equity capital to assets | 28.2733% | 103 |
| Core capital (leverage) ratio | 21.0683% | 209 |
| Tier 1 risk-based capital ratio | 57.2353% | 119 |
| Total risk-based capital ratio | 58.1439% | 119 |
| Memoranda: | ||
| Average total assets | $330,202,500 | 2,064 |
| Average earning assets | $199,076,000 | 3,011 |
| Average equity | $77,829,500 | 845 |
| Average total loans | $100,016,500 | 3,960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 7,826 |
| Cost of funding earning assets | 0.2316% | 7,931 |
| Net interest margin | 3.3025% | 5,736 |
| Noninterest income to average assets | 3.9365% | 171 |
| Noninterest expense to average assets | 2.7305% | 5,245 |
| Loan and lease loss provision to assets | 0.3300% | 4,836 |
| Net operating income to assets | 1.1446% | 1,400 |
| Return on assets (ROA) | 1.1446% | 1,426 |
| Pretax return on assets | 3.1948% | 82 |
| Return on Equity (ROE) | 4.9936% | 3,666 |
| Retained earnings to average equity (ytd only) | -14.5795% | 6,861 |
| Net charge-offs to loans | 0.4624% | 3,935 |
| Credit loss provision to net charge-offs | 238.2591% | 1,511 |
| Earnings coverage of net charge-offs (x) | 25.4474% | 875 |
| Efficiency ratio | 41.5034% | 7,838 |
| Assets per employee ($millions) | 22.0718% | 69 |
| Cash dividends to net income (ytd only)* | 391.9647% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,870 |
| Loan loss allowance to noncurrent loans | 45.0587% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 5,065 |
| Noncurrent loans to loans | 3.7943% | 1,972 |
| Net loans and leases to total assets | 26.4764% | 7,780 |
| Net loans and leases to deposits | 37.3209% | 7,697 |
| Net loans and leases to core deposits | 85.5015% | 5,573 |
| Total domestic deposits to total assets | 30.9660% | 7,947 |
| Equity capital to assets | 19.9957% | 294 |
| Core capital (leverage) ratio | 19.3782% | 314 |
| Tier 1 risk-based capital ratio | 43.2122% | 205 |
| Total risk-based capital ratio | 44.4654% | 204 |
| Memoranda: | ||
| Average total assets | $356,639,000 | 1,903 |
| Average earning assets | $250,419,200 | 2,396 |
| Average equity | $81,744,800 | 792 |
| Average total loans | $106,827,200 | 3,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4552% | 7,939 |
| Cost of funding earning assets | 0.2496% | 8,018 |
| Net interest margin | 3.2057% | 6,004 |
| Noninterest income to average assets | 4.2155% | 158 |
| Noninterest expense to average assets | 2.6386% | 5,566 |
| Loan and lease loss provision to assets | 0.0413% | 6,954 |
| Net operating income to assets | 2.4257% | 115 |
| Return on assets (ROA) | 2.4257% | 129 |
| Pretax return on assets | 3.9295% | 54 |
| Return on Equity (ROE) | 10.2350% | 1,834 |
| Retained earnings to average equity (ytd only) | -2.5508% | 5,829 |
| Net charge-offs to loans | 0.0493% | 6,228 |
| Credit loss provision to net charge-offs | 272.5000% | 1,558 |
| Earnings coverage of net charge-offs (x) | 262.0848% | 143 |
| Efficiency ratio | 37.8646% | 7,952 |
| Assets per employee ($millions) | 19.4841% | 81 |
| Cash dividends to net income (ytd only)* | 124.9220% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,834 |
| Loan loss allowance to noncurrent loans | 36.8996% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 5,248 |
| Noncurrent loans to loans | 2.9299% | 2,602 |
| Net loans and leases to total assets | 30.7727% | 7,787 |
| Net loans and leases to deposits | 48.2783% | 7,485 |
| Net loans and leases to core deposits | 166.7506% | 297 |
| Total domestic deposits to total assets | 18.4543% | 8,049 |
| Equity capital to assets | 24.8257% | 176 |
| Core capital (leverage) ratio | 25.3905% | 163 |
| Tier 1 risk-based capital ratio | 56.4542% | 129 |
| Total risk-based capital ratio | 57.5080% | 129 |
| Memoranda: | ||
| Average total assets | $351,993,500 | 1,939 |
| Average earning assets | $262,862,750 | 2,312 |
| Average equity | $83,424,000 | 784 |
| Average total loans | $108,265,750 | 3,763 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 8,031 |
| Cost of funding earning assets | 0.2659% | 8,112 |
| Net interest margin | 3.2098% | 5,878 |
| Noninterest income to average assets | 3.9508% | 168 |
| Noninterest expense to average assets | 2.5672% | 5,872 |
| Loan and lease loss provision to assets | 0.0791% | 6,399 |
| Net operating income to assets | 2.2897% | 165 |
| Return on assets (ROA) | 2.2897% | 181 |
| Pretax return on assets | 3.7129% | 61 |
| Return on Equity (ROE) | 9.8041% | 2,093 |
| Retained earnings to average equity (ytd only) | -9.2840% | 6,796 |
| Net charge-offs to loans | 0.0036% | 6,567 |
| Credit loss provision to net charge-offs | 7,100.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 3,402.5000% | 5 |
| Efficiency ratio | 38.5121% | 8,044 |
| Assets per employee ($millions) | 19.7368% | 78 |
| Cash dividends to net income (ytd only)* | 194.6946% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,434 |
| Loan loss allowance to noncurrent loans | 84.6429% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 6,424 |
| Noncurrent loans to loans | 1.3279% | 4,559 |
| Net loans and leases to total assets | 31.0697% | 7,865 |
| Net loans and leases to deposits | 47.4532% | 7,579 |
| Net loans and leases to core deposits | 149.5996% | 664 |
| Total domestic deposits to total assets | 20.7686% | 8,133 |
| Equity capital to assets | 23.7478% | 233 |
| Core capital (leverage) ratio | 21.7006% | 286 |
| Tier 1 risk-based capital ratio | 52.8465% | 160 |
| Total risk-based capital ratio | 53.9406% | 160 |
| Memoranda: | ||
| Average total assets | $358,915,000 | 1,934 |
| Average earning assets | $269,297,000 | 2,279 |
| Average equity | $83,822,000 | 784 |
| Average total loans | $110,007,000 | 3,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 8,107 |
| Cost of funding earning assets | 0.3029% | 8,154 |
| Net interest margin | 3.0851% | 6,238 |
| Noninterest income to average assets | 3.8186% | 168 |
| Noninterest expense to average assets | 2.5903% | 5,497 |
| Loan and lease loss provision to assets | 0.0194% | 6,645 |
| Net operating income to assets | 2.1748% | 242 |
| Return on assets (ROA) | 2.1748% | 281 |
| Pretax return on assets | 3.5174% | 79 |
| Return on Equity (ROE) | 9.3838% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.3838% | 1,374 |
| Net charge-offs to loans | 0.0606% | 4,616 |
| Credit loss provision to net charge-offs | 105.8824% | 3,593 |
| Earnings coverage of net charge-offs (x) | 192.7647% | 223 |
| Efficiency ratio | 40.1621% | 8,049 |
| Assets per employee ($millions) | 20.6322% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 6,450 |
| Loan loss allowance to noncurrent loans | 83.2140% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 6,436 |
| Noncurrent loans to loans | 1.1498% | 4,693 |
| Net loans and leases to total assets | 30.8706% | 7,897 |
| Net loans and leases to deposits | 46.7610% | 7,635 |
| Net loans and leases to core deposits | 132.7652% | 1,487 |
| Total domestic deposits to total assets | 23.2520% | 8,182 |
| Equity capital to assets | 24.3283% | 237 |
| Core capital (leverage) ratio | 23.8310% | 261 |
| Tier 1 risk-based capital ratio | 52.7509% | 179 |
| Total risk-based capital ratio | 53.6260% | 178 |
| Memoranda: | ||
| Average total assets | $370,609,500 | 1,880 |
| Average earning assets | $277,332,000 | 2,253 |
| Average equity | $85,893,000 | 771 |
| Average total loans | $112,294,500 | 3,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 8,033 |
| Cost of funding earning assets | 2.2688% | 5,294 |
| Net interest margin | 2.2168% | 7,952 |
| Noninterest income to average assets | 6.0660% | 105 |
| Noninterest expense to average assets | 4.4145% | 938 |
| Loan and lease loss provision to assets | -0.0676% | 8,243 |
| Net operating income to assets | 2.1451% | 263 |
| Return on assets (ROA) | 2.1451% | 257 |
| Pretax return on assets | 3.3432% | 76 |
| Return on Equity (ROE) | 9.8529% | 2,316 |
| Retained earnings to average equity (ytd only) | -2.5602% | 6,007 |
| Net charge-offs to loans | -0.0996% | 8,092 |
| Credit loss provision to net charge-offs | 258.6207% | 1,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9493% | 7,020 |
| Assets per employee ($millions) | 22.9689% | 68 |
| Cash dividends to net income (ytd only)* | 125.9843% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 6,639 |
| Loan loss allowance to noncurrent loans | 100.5775% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 6,514 |
| Noncurrent loans to loans | 0.9014% | 4,819 |
| Net loans and leases to total assets | 29.2519% | 8,010 |
| Net loans and leases to deposits | 41.9784% | 7,897 |
| Net loans and leases to core deposits | 178.2126% | 309 |
| Total domestic deposits to total assets | 16.4140% | 8,247 |
| Equity capital to assets | 22.1412% | 346 |
| Core capital (leverage) ratio | 17.4754% | 649 |
| Tier 1 risk-based capital ratio | 48.1812% | 234 |
| Total risk-based capital ratio | 49.0078% | 236 |
| Memoranda: | ||
| Average total assets | $444,035,800 | 1,547 |
| Average earning assets | $325,330,600 | 1,874 |
| Average equity | $96,672,000 | 690 |
| Average total loans | $116,473,400 | 3,534 |