Home > Capitol National Bank > Performance and Condition Ratios
Capitol National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5616% | 574 |
| Cost of funding earning assets | 1.1024% | 3,879 |
| Net interest margin | 5.4592% | 166 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 3.2407% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8715% | 553 |
| Return on assets (ROA) | 1.8715% | 552 |
| Pretax return on assets | 2.3216% | 411 |
| Return on Equity (ROE) | 12.4200% | 1,641 |
| Retained earnings to average equity (ytd only) | 12.4203% | 725 |
| Net charge-offs to loans | -0.0054% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.2612% | 3,147 |
| Assets per employee ($millions) | 6.2416% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8734% | 163 |
| Loan loss allowance to noncurrent loans | 16,558.3333% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,669 |
| Noncurrent loans to loans | 0.0174% | 3,646 |
| Net loans and leases to total assets | 71.7400% | 1,645 |
| Net loans and leases to deposits | 87.4878% | 1,352 |
| Net loans and leases to core deposits | 94.2990% | 1,753 |
| Total domestic deposits to total assets | 82.0000% | 3,311 |
| Equity capital to assets | 15.6237% | 496 |
| Core capital (leverage) ratio | 15.3329% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $191,072,500 | 3,071 |
| Average earning assets | $181,784,500 | 3,034 |
| Average equity | $28,791,500 | 2,487 |
| Average total loans | $149,442,500 | 2,773 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0950% | 352 |
| Cost of funding earning assets | 1.1655% | 3,856 |
| Net interest margin | 5.9294% | 119 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 3.0479% | 1,069 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 2.1459% | 315 |
| Return on assets (ROA) | 2.1459% | 320 |
| Pretax return on assets | 2.7189% | 240 |
| Return on Equity (ROE) | 15.7600% | 815 |
| Retained earnings to average equity (ytd only) | 13.5390% | 197 |
| Net charge-offs to loans | 0.0446% | 1,722 |
| Credit loss provision to net charge-offs | 573.4375% | 580 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 871 |
| Efficiency ratio | 51.3313% | 3,915 |
| Assets per employee ($millions) | 7.2184% | 2,025 |
| Cash dividends to net income (ytd only)* | 14.1154% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4735% | 216 |
| Loan loss allowance to noncurrent loans | 4,565.5172% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,353 |
| Noncurrent loans to loans | 0.0542% | 3,371 |
| Net loans and leases to total assets | 80.3600% | 613 |
| Net loans and leases to deposits | 96.7051% | 662 |
| Net loans and leases to core deposits | 104.7852% | 1,195 |
| Total domestic deposits to total assets | 83.0900% | 3,008 |
| Equity capital to assets | 14.5348% | 609 |
| Core capital (leverage) ratio | 13.4279% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $195,444,400 | 3,027 |
| Average earning assets | $184,807,000 | 2,996 |
| Average equity | $26,604,600 | 2,542 |
| Average total loans | $143,618,400 | 2,786 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0245% | 378 |
| Cost of funding earning assets | 1.1704% | 3,857 |
| Net interest margin | 5.8541% | 128 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 3.0813% | 997 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 2.1426% | 348 |
| Return on assets (ROA) | 2.1426% | 355 |
| Pretax return on assets | 2.7221% | 260 |
| Return on Equity (ROE) | 16.0100% | 820 |
| Retained earnings to average equity (ytd only) | 15.3127% | 222 |
| Net charge-offs to loans | 0.0612% | 1,293 |
| Credit loss provision to net charge-offs | 92.1875% | 1,762 |
| Earnings coverage of net charge-offs (x) | 63.2188% | 1,068 |
| Efficiency ratio | 52.7668% | 3,820 |
| Assets per employee ($millions) | 8.6348% | 1,217 |
| Cash dividends to net income (ytd only)* | 4.3589% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 227 |
| Loan loss allowance to noncurrent loans | 4,026.3736% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,452 |
| Noncurrent loans to loans | 0.0616% | 3,394 |
| Net loans and leases to total assets | 64.1400% | 2,514 |
| Net loans and leases to deposits | 75.0085% | 2,612 |
| Net loans and leases to core deposits | 85.3269% | 2,473 |
| Total domestic deposits to total assets | 85.5200% | 2,120 |
| Equity capital to assets | 12.3721% | 1,145 |
| Core capital (leverage) ratio | 12.8362% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $195,581,000 | 3,023 |
| Average earning assets | $184,664,000 | 2,998 |
| Average equity | $26,173,750 | 2,563 |
| Average total loans | $139,377,000 | 2,819 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1068% | 328 |
| Cost of funding earning assets | 1.1757% | 3,814 |
| Net interest margin | 5.9311% | 122 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 3.1107% | 943 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.1792% | 350 |
| Return on assets (ROA) | 2.1792% | 344 |
| Pretax return on assets | 2.7547% | 261 |
| Return on Equity (ROE) | 15.8000% | 865 |
| Retained earnings to average equity (ytd only) | 14.7350% | 297 |
| Net charge-offs to loans | -0.0073% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 52.5245% | 3,859 |
| Assets per employee ($millions) | 6.8739% | 2,156 |
| Cash dividends to net income (ytd only)* | 6.7621% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5848% | 204 |
| Loan loss allowance to noncurrent loans | 2,333.1250% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,077 |
| Noncurrent loans to loans | 0.1108% | 3,094 |
| Net loans and leases to total assets | 73.1000% | 1,520 |
| Net loans and leases to deposits | 87.1909% | 1,551 |
| Net loans and leases to core deposits | 101.8969% | 1,373 |
| Total domestic deposits to total assets | 83.8300% | 2,659 |
| Equity capital to assets | 13.7960% | 713 |
| Core capital (leverage) ratio | 13.8368% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $185,939,333 | 3,092 |
| Average earning assets | $175,719,000 | 3,059 |
| Average equity | $25,639,667 | 2,561 |
| Average total loans | $136,612,000 | 2,842 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1480% | 292 |
| Cost of funding earning assets | 1.1454% | 3,818 |
| Net interest margin | 6.0025% | 121 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 3.1291% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2291% | 334 |
| Return on assets (ROA) | 2.2291% | 337 |
| Pretax return on assets | 2.8641% | 244 |
| Return on Equity (ROE) | 16.1700% | 819 |
| Retained earnings to average equity (ytd only) | 16.1696% | 355 |
| Net charge-offs to loans | -0.0151% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.2104% | 3,890 |
| Assets per employee ($millions) | 7.2493% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6703% | 160 |
| Loan loss allowance to noncurrent loans | 2,296.2500% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,048 |
| Noncurrent loans to loans | 0.1163% | 3,030 |
| Net loans and leases to total assets | 73.8900% | 1,351 |
| Net loans and leases to deposits | 88.6735% | 1,298 |
| Net loans and leases to core deposits | 101.0252% | 1,357 |
| Total domestic deposits to total assets | 83.3300% | 2,902 |
| Equity capital to assets | 14.1658% | 653 |
| Core capital (leverage) ratio | 14.0773% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $182,674,500 | 3,119 |
| Average earning assets | $172,860,500 | 3,092 |
| Average equity | $25,183,000 | 2,591 |
| Average total loans | $132,708,500 | 2,880 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6090% | 315 |
| Cost of funding earning assets | 0.8301% | 3,663 |
| Net interest margin | 5.7789% | 137 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 3.1266% | 921 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.0103% | 458 |
| Return on assets (ROA) | 2.0103% | 440 |
| Pretax return on assets | 2.5420% | 324 |
| Return on Equity (ROE) | 16.1200% | 1,075 |
| Retained earnings to average equity (ytd only) | 14.1478% | 390 |
| Net charge-offs to loans | -0.0671% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.0752% | 3,673 |
| Assets per employee ($millions) | 6.3489% | 2,515 |
| Cash dividends to net income (ytd only)* | 12.2180% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 133 |
| Loan loss allowance to noncurrent loans | 1,901.0363% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,831 |
| Noncurrent loans to loans | 0.1510% | 2,761 |
| Net loans and leases to total assets | 67.4400% | 2,100 |
| Net loans and leases to deposits | 80.4850% | 2,062 |
| Net loans and leases to core deposits | 91.7957% | 1,919 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 13.4116% | 785 |
| Core capital (leverage) ratio | 13.1861% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $185,249,400 | 3,088 |
| Average earning assets | $174,807,400 | 3,054 |
| Average equity | $23,106,000 | 2,622 |
| Average total loans | $120,805,200 | 2,946 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4831% | 309 |
| Cost of funding earning assets | 0.7643% | 3,623 |
| Net interest margin | 5.7187% | 141 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 3.1232% | 900 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.9432% | 541 |
| Return on assets (ROA) | 1.9432% | 533 |
| Pretax return on assets | 2.4606% | 397 |
| Return on Equity (ROE) | 15.8800% | 1,275 |
| Retained earnings to average equity (ytd only) | 15.0713% | 547 |
| Net charge-offs to loans | -0.0056% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6186% | 3,537 |
| Assets per employee ($millions) | 6.2638% | 2,516 |
| Cash dividends to net income (ytd only)* | 5.0666% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0175% | 119 |
| Loan loss allowance to noncurrent loans | 601.7433% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,503 |
| Noncurrent loans to loans | 0.5015% | 1,561 |
| Net loans and leases to total assets | 64.9400% | 2,350 |
| Net loans and leases to deposits | 76.5079% | 2,373 |
| Net loans and leases to core deposits | 86.4811% | 2,162 |
| Total domestic deposits to total assets | 84.8800% | 2,538 |
| Equity capital to assets | 12.6958% | 873 |
| Core capital (leverage) ratio | 12.5479% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $185,532,500 | 3,088 |
| Average earning assets | $175,139,500 | 3,063 |
| Average equity | $22,709,250 | 2,638 |
| Average total loans | $119,049,000 | 2,970 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2202% | 340 |
| Cost of funding earning assets | 0.5733% | 3,824 |
| Net interest margin | 5.6469% | 149 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.0638% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0559% | 427 |
| Return on assets (ROA) | 2.0559% | 424 |
| Pretax return on assets | 2.6026% | 309 |
| Return on Equity (ROE) | 17.0100% | 1,096 |
| Retained earnings to average equity (ytd only) | 15.7838% | 492 |
| Net charge-offs to loans | -0.0086% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.0695% | 3,602 |
| Assets per employee ($millions) | 5.9004% | 2,794 |
| Cash dividends to net income (ytd only)* | 7.2143% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8518% | 145 |
| Loan loss allowance to noncurrent loans | 676.0300% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 1,600 |
| Noncurrent loans to loans | 0.4219% | 1,670 |
| Net loans and leases to total assets | 65.1300% | 2,261 |
| Net loans and leases to deposits | 76.2522% | 2,288 |
| Net loans and leases to core deposits | 86.3031% | 2,049 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 12.2339% | 990 |
| Core capital (leverage) ratio | 12.4345% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $184,739,000 | 3,102 |
| Average earning assets | $174,433,000 | 3,073 |
| Average equity | $22,326,667 | 2,671 |
| Average total loans | $116,787,333 | 2,991 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 285 |
| Cost of funding earning assets | 0.4484% | 3,840 |
| Net interest margin | 5.6363% | 129 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.8549% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2112% | 360 |
| Return on assets (ROA) | 2.2112% | 359 |
| Pretax return on assets | 2.7980% | 250 |
| Return on Equity (ROE) | 18.4100% | 973 |
| Retained earnings to average equity (ytd only) | 18.4134% | 484 |
| Net charge-offs to loans | -0.0286% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.5035% | 3,893 |
| Assets per employee ($millions) | 6.2947% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2906% | 106 |
| Loan loss allowance to noncurrent loans | 652.1661% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 1,456 |
| Noncurrent loans to loans | 0.5046% | 1,456 |
| Net loans and leases to total assets | 58.1700% | 2,856 |
| Net loans and leases to deposits | 68.3409% | 2,745 |
| Net loans and leases to core deposits | 74.7773% | 2,619 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 12.2759% | 925 |
| Core capital (leverage) ratio | 12.1694% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,702,500 | 3,159 |
| Average earning assets | $172,170,500 | 3,125 |
| Average equity | $21,940,500 | 2,724 |
| Average total loans | $111,888,500 | 3,078 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 700 |
| Cost of funding earning assets | 0.1273% | 4,243 |
| Net interest margin | 4.3888% | 356 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.6899% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3367% | 1,324 |
| Return on assets (ROA) | 1.3367% | 1,282 |
| Pretax return on assets | 1.6936% | 932 |
| Return on Equity (ROE) | 13.5400% | 1,645 |
| Retained earnings to average equity (ytd only) | 12.7232% | 548 |
| Net charge-offs to loans | -0.0408% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.3652% | 2,863 |
| Assets per employee ($millions) | 7.0331% | 1,950 |
| Cash dividends to net income (ytd only)* | 5.9985% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0637% | 113 |
| Loan loss allowance to noncurrent loans | 623.5714% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 1,439 |
| Noncurrent loans to loans | 0.4913% | 1,469 |
| Net loans and leases to total assets | 60.4200% | 2,602 |
| Net loans and leases to deposits | 70.6238% | 2,532 |
| Net loans and leases to core deposits | 76.8037% | 2,364 |
| Total domestic deposits to total assets | 85.5500% | 2,842 |
| Equity capital to assets | 11.7423% | 1,013 |
| Core capital (leverage) ratio | 11.0411% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,539,200 | 3,022 |
| Average earning assets | $193,196,000 | 2,987 |
| Average equity | $20,199,400 | 2,940 |
| Average total loans | $110,387,800 | 3,023 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 1,024 |
| Cost of funding earning assets | 0.0941% | 4,326 |
| Net interest margin | 4.0286% | 610 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.4366% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2910% | 1,382 |
| Return on assets (ROA) | 1.2910% | 1,350 |
| Pretax return on assets | 1.6250% | 1,058 |
| Return on Equity (ROE) | 13.6300% | 1,529 |
| Retained earnings to average equity (ytd only) | 13.0840% | 596 |
| Net charge-offs to loans | -0.0451% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.9906% | 3,114 |
| Assets per employee ($millions) | 7.1254% | 1,858 |
| Cash dividends to net income (ytd only)* | 4.0334% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2258% | 110 |
| Loan loss allowance to noncurrent loans | 692.6441% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,638 |
| Noncurrent loans to loans | 0.4657% | 1,637 |
| Net loans and leases to total assets | 50.5800% | 3,412 |
| Net loans and leases to deposits | 57.7403% | 3,360 |
| Net loans and leases to core deposits | 58.4050% | 3,477 |
| Total domestic deposits to total assets | 87.6000% | 2,558 |
| Equity capital to assets | 10.0897% | 1,573 |
| Core capital (leverage) ratio | 9.9864% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $209,959,000 | 3,001 |
| Average earning assets | $198,408,500 | 2,968 |
| Average equity | $19,881,250 | 3,010 |
| Average total loans | $109,490,250 | 3,043 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 1,422 |
| Cost of funding earning assets | 0.0952% | 4,241 |
| Net interest margin | 3.6540% | 989 |
| Noninterest income to average assets | 0.2473% | 3,691 |
| Noninterest expense to average assets | 2.4324% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0148% | 2,101 |
| Return on assets (ROA) | 1.0148% | 2,071 |
| Pretax return on assets | 1.2707% | 1,841 |
| Return on Equity (ROE) | 10.9517% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.1132% | 981 |
| Net charge-offs to loans | -0.0509% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6858% | 2,558 |
| Assets per employee ($millions) | 6.2635% | 2,509 |
| Cash dividends to net income (ytd only)* | 7.6564% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1021% | 135 |
| Loan loss allowance to noncurrent loans | 659.3928% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,649 |
| Noncurrent loans to loans | 0.4705% | 1,704 |
| Net loans and leases to total assets | 52.5148% | 3,107 |
| Net loans and leases to deposits | 59.6591% | 3,077 |
| Net loans and leases to core deposits | 60.3413% | 3,250 |
| Total domestic deposits to total assets | 88.0248% | 2,562 |
| Equity capital to assets | 9.6568% | 1,905 |
| Core capital (leverage) ratio | 9.6021% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,066,333 | 3,025 |
| Average earning assets | $199,618,000 | 2,995 |
| Average equity | $19,558,667 | 3,104 |
| Average total loans | $109,985,333 | 3,063 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 1,916 |
| Cost of funding earning assets | 0.0931% | 4,224 |
| Net interest margin | 3.3666% | 1,382 |
| Noninterest income to average assets | 0.2720% | 3,507 |
| Noninterest expense to average assets | 2.4234% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8178% | 2,603 |
| Return on assets (ROA) | 0.8178% | 2,592 |
| Pretax return on assets | 1.0373% | 2,332 |
| Return on Equity (ROE) | 9.0092% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.0092% | 1,271 |
| Net charge-offs to loans | -0.0697% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0271% | 2,227 |
| Assets per employee ($millions) | 6.6224% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2977% | 121 |
| Loan loss allowance to noncurrent loans | 424.2350% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 1,262 |
| Noncurrent loans to loans | 0.7773% | 1,226 |
| Net loans and leases to total assets | 49.5088% | 3,225 |
| Net loans and leases to deposits | 56.2284% | 3,250 |
| Net loans and leases to core deposits | 57.1163% | 3,369 |
| Total domestic deposits to total assets | 88.0494% | 2,498 |
| Equity capital to assets | 9.5336% | 2,251 |
| Core capital (leverage) ratio | 9.1243% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,252,500 | 3,017 |
| Average earning assets | $201,983,500 | 3,000 |
| Average equity | $19,358,000 | 3,202 |
| Average total loans | $108,968,000 | 3,074 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 568 |
| Cost of funding earning assets | 0.1468% | 4,010 |
| Net interest margin | 4.3897% | 346 |
| Noninterest income to average assets | 0.1991% | 4,168 |
| Noninterest expense to average assets | 2.7425% | 1,506 |
| Loan and lease loss provision to assets | 0.1826% | 625 |
| Net operating income to assets | 1.1370% | 2,152 |
| Return on assets (ROA) | 1.1370% | 2,204 |
| Pretax return on assets | 1.4516% | 1,876 |
| Return on Equity (ROE) | 13.8316% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.0706% | 389 |
| Net charge-offs to loans | -0.0676% | 4,442 |
| Credit loss provision to net charge-offs | -404.0404% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6604% | 2,768 |
| Assets per employee ($millions) | 6.9128% | 1,981 |
| Cash dividends to net income (ytd only)* | 5.5020% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0550% | 140 |
| Loan loss allowance to noncurrent loans | 651.6068% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 1,968 |
| Noncurrent loans to loans | 0.4688% | 1,958 |
| Net loans and leases to total assets | 49.4480% | 3,353 |
| Net loans and leases to deposits | 59.8453% | 3,089 |
| Net loans and leases to core deposits | 60.7783% | 3,258 |
| Total domestic deposits to total assets | 82.6265% | 3,878 |
| Equity capital to assets | 8.6542% | 3,932 |
| Core capital (leverage) ratio | 9.4633% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,001,000 | 2,913 |
| Average earning assets | $208,420,000 | 2,888 |
| Average equity | $18,002,200 | 3,385 |
| Average total loans | $146,459,800 | 2,660 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 789 |
| Cost of funding earning assets | 0.1551% | 4,066 |
| Net interest margin | 4.2596% | 492 |
| Noninterest income to average assets | 0.1904% | 4,254 |
| Noninterest expense to average assets | 2.4475% | 2,282 |
| Loan and lease loss provision to assets | 0.1222% | 959 |
| Net operating income to assets | 1.3153% | 1,770 |
| Return on assets (ROA) | 1.3153% | 1,831 |
| Pretax return on assets | 1.6772% | 1,467 |
| Return on Equity (ROE) | 16.2178% | 903 |
| Retained earnings to average equity (ytd only) | 15.7060% | 320 |
| Net charge-offs to loans | -0.0715% | 4,489 |
| Credit loss provision to net charge-offs | -240.9639% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6315% | 3,330 |
| Assets per employee ($millions) | 6.8142% | 2,005 |
| Cash dividends to net income (ytd only)* | 3.1555% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3692% | 352 |
| Loan loss allowance to noncurrent loans | 603.9252% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 2,050 |
| Noncurrent loans to loans | 0.3923% | 2,390 |
| Net loans and leases to total assets | 59.2096% | 2,350 |
| Net loans and leases to deposits | 78.9301% | 1,394 |
| Net loans and leases to core deposits | 79.7609% | 1,758 |
| Total domestic deposits to total assets | 75.0152% | 4,600 |
| Equity capital to assets | 8.3956% | 4,277 |
| Core capital (leverage) ratio | 9.7609% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,448,750 | 2,947 |
| Average earning assets | $208,026,750 | 2,917 |
| Average equity | $17,716,750 | 3,453 |
| Average total loans | $154,867,000 | 2,628 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 1,501 |
| Cost of funding earning assets | 0.1559% | 4,158 |
| Net interest margin | 3.8735% | 1,020 |
| Noninterest income to average assets | 0.1914% | 4,245 |
| Noninterest expense to average assets | 2.4077% | 2,438 |
| Loan and lease loss provision to assets | 0.1849% | 618 |
| Net operating income to assets | 1.0171% | 2,835 |
| Return on assets (ROA) | 1.0171% | 2,913 |
| Pretax return on assets | 1.2972% | 2,635 |
| Return on Equity (ROE) | 12.6952% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.9104% | 940 |
| Net charge-offs to loans | -0.0820% | 4,560 |
| Credit loss provision to net charge-offs | -303.0303% | 3,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8968% | 2,744 |
| Assets per employee ($millions) | 7.1808% | 1,672 |
| Cash dividends to net income (ytd only)* | 6.1818% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 607 |
| Loan loss allowance to noncurrent loans | 594.0850% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 2,273 |
| Noncurrent loans to loans | 0.3367% | 2,703 |
| Net loans and leases to total assets | 66.4557% | 1,637 |
| Net loans and leases to deposits | 95.6017% | 393 |
| Net loans and leases to core deposits | 96.4826% | 782 |
| Total domestic deposits to total assets | 69.5131% | 4,768 |
| Equity capital to assets | 7.5217% | 4,732 |
| Core capital (leverage) ratio | 9.2732% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,308,667 | 2,963 |
| Average earning assets | $206,529,333 | 2,928 |
| Average equity | $17,329,333 | 3,482 |
| Average total loans | $161,031,000 | 2,590 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 1,190 |
| Cost of funding earning assets | 0.1499% | 4,304 |
| Net interest margin | 4.0583% | 775 |
| Noninterest income to average assets | 0.2369% | 3,975 |
| Noninterest expense to average assets | 2.5401% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2487% | 1,981 |
| Return on assets (ROA) | 1.2487% | 2,062 |
| Pretax return on assets | 1.5885% | 1,764 |
| Return on Equity (ROE) | 15.0568% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.4645% | 821 |
| Net charge-offs to loans | -0.1315% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5240% | 2,834 |
| Assets per employee ($millions) | 7.0927% | 1,732 |
| Cash dividends to net income (ytd only)* | 10.5754% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,004 |
| Loan loss allowance to noncurrent loans | 548.6289% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 2,308 |
| Noncurrent loans to loans | 0.3136% | 2,979 |
| Net loans and leases to total assets | 80.5678% | 307 |
| Net loans and leases to deposits | 105.7784% | 176 |
| Net loans and leases to core deposits | 106.5509% | 490 |
| Total domestic deposits to total assets | 76.1666% | 4,575 |
| Equity capital to assets | 8.1624% | 4,388 |
| Core capital (leverage) ratio | 9.5785% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,979,500 | 3,035 |
| Average earning assets | $197,519,000 | 2,991 |
| Average equity | $17,082,000 | 3,506 |
| Average total loans | $161,200,500 | 2,588 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 2,346 |
| Cost of funding earning assets | 0.2244% | 4,488 |
| Net interest margin | 3.9029% | 1,204 |
| Noninterest income to average assets | 0.0896% | 4,769 |
| Noninterest expense to average assets | 2.6729% | 2,320 |
| Loan and lease loss provision to assets | 0.3258% | 1,113 |
| Net operating income to assets | 0.6870% | 3,475 |
| Return on assets (ROA) | 0.6870% | 3,605 |
| Pretax return on assets | 0.8776% | 3,434 |
| Return on Equity (ROE) | 7.9294% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.5847% | 1,176 |
| Net charge-offs to loans | -0.0779% | 4,756 |
| Credit loss provision to net charge-offs | -566.0377% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9549% | 2,104 |
| Assets per employee ($millions) | 6.4251% | 1,975 |
| Cash dividends to net income (ytd only)* | 4.3478% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 600 |
| Loan loss allowance to noncurrent loans | 533.0922% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 1,818 |
| Noncurrent loans to loans | 0.3737% | 2,864 |
| Net loans and leases to total assets | 72.8087% | 1,186 |
| Net loans and leases to deposits | 108.0699% | 191 |
| Net loans and leases to core deposits | 109.2331% | 533 |
| Total domestic deposits to total assets | 67.3719% | 4,828 |
| Equity capital to assets | 8.4327% | 4,492 |
| Core capital (leverage) ratio | 10.2689% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,146,400 | 3,073 |
| Average earning assets | $178,663,600 | 3,011 |
| Average equity | $15,953,200 | 3,555 |
| Average total loans | $136,044,000 | 2,792 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 3,740 |
| Cost of funding earning assets | 0.2218% | 4,598 |
| Net interest margin | 3.5050% | 2,573 |
| Noninterest income to average assets | 0.2306% | 4,114 |
| Noninterest expense to average assets | 2.4458% | 3,003 |
| Loan and lease loss provision to assets | 0.2955% | 1,369 |
| Net operating income to assets | 0.3688% | 4,325 |
| Return on assets (ROA) | 0.3688% | 4,385 |
| Pretax return on assets | 0.8884% | 3,409 |
| Return on Equity (ROE) | 4.2262% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.7604% | 3,165 |
| Net charge-offs to loans | -0.0942% | 4,816 |
| Credit loss provision to net charge-offs | -425.5319% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3794% | 2,271 |
| Assets per employee ($millions) | 7.5754% | 1,171 |
| Cash dividends to net income (ytd only)* | 11.0220% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,229 |
| Loan loss allowance to noncurrent loans | 239.5797% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 1,566 |
| Noncurrent loans to loans | 0.6475% | 2,172 |
| Net loans and leases to total assets | 73.9394% | 1,374 |
| Net loans and leases to deposits | 122.8880% | 91 |
| Net loans and leases to core deposits | 124.1417% | 340 |
| Total domestic deposits to total assets | 60.1681% | 4,929 |
| Equity capital to assets | 6.8260% | 4,970 |
| Core capital (leverage) ratio | 9.7414% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,388,500 | 3,085 |
| Average earning assets | $174,944,000 | 3,026 |
| Average equity | $15,742,500 | 3,583 |
| Average total loans | $133,063,250 | 2,839 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,364 |
| Cost of funding earning assets | 0.2074% | 4,748 |
| Net interest margin | 3.3302% | 3,309 |
| Noninterest income to average assets | 0.2576% | 3,930 |
| Noninterest expense to average assets | 2.5727% | 2,761 |
| Loan and lease loss provision to assets | 0.4931% | 737 |
| Net operating income to assets | 0.1652% | 4,615 |
| Return on assets (ROA) | 0.1652% | 4,654 |
| Pretax return on assets | 0.4179% | 4,387 |
| Return on Equity (ROE) | 1.7128% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.7128% | 3,868 |
| Net charge-offs to loans | -0.2006% | 4,939 |
| Credit loss provision to net charge-offs | -336.1345% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8500% | 1,477 |
| Assets per employee ($millions) | 7.5317% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 872 |
| Loan loss allowance to noncurrent loans | 246.7382% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 1,643 |
| Noncurrent loans to loans | 0.6778% | 2,176 |
| Net loans and leases to total assets | 67.3531% | 2,443 |
| Net loans and leases to deposits | 109.5580% | 239 |
| Net loans and leases to core deposits | 110.0594% | 739 |
| Total domestic deposits to total assets | 61.4771% | 4,950 |
| Equity capital to assets | 6.5241% | 5,014 |
| Core capital (leverage) ratio | 9.3189% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,239,000 | 3,225 |
| Average earning assets | $157,167,000 | 3,161 |
| Average equity | $15,646,667 | 3,593 |
| Average total loans | $118,626,667 | 2,998 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 2,096 |
| Cost of funding earning assets | 0.2233% | 4,833 |
| Net interest margin | 4.3473% | 695 |
| Noninterest income to average assets | 0.3582% | 3,378 |
| Noninterest expense to average assets | 3.8388% | 591 |
| Loan and lease loss provision to assets | 0.3256% | 952 |
| Net operating income to assets | 0.1791% | 4,555 |
| Return on assets (ROA) | 0.1791% | 4,564 |
| Pretax return on assets | 0.3777% | 4,333 |
| Return on Equity (ROE) | 1.4095% | 4,567 |
| Retained earnings to average equity (ytd only) | 1.4095% | 3,629 |
| Net charge-offs to loans | -0.3900% | 5,003 |
| Credit loss provision to net charge-offs | -107.5269% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5161% | 799 |
| Assets per employee ($millions) | 3.9422% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4978% | 248 |
| Loan loss allowance to noncurrent loans | 152.7604% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 886 |
| Noncurrent loans to loans | 1.6351% | 944 |
| Net loans and leases to total assets | 75.3454% | 1,414 |
| Net loans and leases to deposits | 86.1622% | 1,975 |
| Net loans and leases to core deposits | 86.6919% | 2,626 |
| Total domestic deposits to total assets | 87.4460% | 1,362 |
| Equity capital to assets | 12.4002% | 1,793 |
| Core capital (leverage) ratio | 12.0709% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,851,000 | 3,666 |
| Average earning assets | $118,233,500 | 3,599 |
| Average equity | $15,608,000 | 3,601 |
| Average total loans | $95,394,000 | 3,293 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 1,264 |
| Cost of funding earning assets | 0.1736% | 5,010 |
| Net interest margin | 4.9042% | 326 |
| Noninterest income to average assets | 0.4130% | 3,213 |
| Noninterest expense to average assets | 3.8564% | 623 |
| Loan and lease loss provision to assets | 0.0261% | 3,490 |
| Net operating income to assets | 0.9001% | 3,207 |
| Return on assets (ROA) | 0.9001% | 3,294 |
| Pretax return on assets | 1.2059% | 2,825 |
| Return on Equity (ROE) | 6.8462% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.5414% | 1,593 |
| Net charge-offs to loans | -0.1189% | 4,978 |
| Credit loss provision to net charge-offs | -27.2727% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7877% | 1,395 |
| Assets per employee ($millions) | 3.9850% | 3,918 |
| Cash dividends to net income (ytd only)* | 4.4530% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 247 |
| Loan loss allowance to noncurrent loans | 136.1263% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4320% | 726 |
| Noncurrent loans to loans | 1.7652% | 769 |
| Net loans and leases to total assets | 76.1700% | 1,383 |
| Net loans and leases to deposits | 87.8731% | 1,868 |
| Net loans and leases to core deposits | 89.7835% | 2,446 |
| Total domestic deposits to total assets | 86.6818% | 1,765 |
| Equity capital to assets | 13.0262% | 1,507 |
| Core capital (leverage) ratio | 12.5873% | 1,436 |
| Tier 1 risk-based capital ratio | 17.3357% | 1,947 |
| Total risk-based capital ratio | 18.6031% | 1,890 |
| Memoranda: | ||
| Average total assets | $114,769,200 | 3,766 |
| Average earning assets | $109,416,200 | 3,719 |
| Average equity | $15,088,600 | 3,630 |
| Average total loans | $92,533,600 | 3,348 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 914 |
| Cost of funding earning assets | 0.1566% | 5,115 |
| Net interest margin | 5.1158% | 224 |
| Noninterest income to average assets | 0.4661% | 2,921 |
| Noninterest expense to average assets | 3.8799% | 604 |
| Loan and lease loss provision to assets | 0.0352% | 3,192 |
| Net operating income to assets | 1.0577% | 2,746 |
| Return on assets (ROA) | 1.0577% | 2,826 |
| Pretax return on assets | 1.4205% | 2,226 |
| Return on Equity (ROE) | 8.0261% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.6163% | 1,575 |
| Net charge-offs to loans | -0.1401% | 5,058 |
| Credit loss provision to net charge-offs | -30.9278% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7173% | 1,736 |
| Assets per employee ($millions) | 3.6402% | 4,348 |
| Cash dividends to net income (ytd only)* | 5.1053% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 265 |
| Loan loss allowance to noncurrent loans | 193.3218% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 1,264 |
| Noncurrent loans to loans | 1.2210% | 1,283 |
| Net loans and leases to total assets | 79.1546% | 968 |
| Net loans and leases to deposits | 91.5176% | 1,498 |
| Net loans and leases to core deposits | 93.3986% | 2,235 |
| Total domestic deposits to total assets | 86.4911% | 1,776 |
| Equity capital to assets | 13.2548% | 1,480 |
| Core capital (leverage) ratio | 12.6809% | 1,490 |
| Tier 1 risk-based capital ratio | 17.0840% | 2,056 |
| Total risk-based capital ratio | 18.3500% | 2,008 |
| Memoranda: | ||
| Average total assets | $113,573,750 | 3,826 |
| Average earning assets | $108,106,250 | 3,788 |
| Average equity | $14,967,500 | 3,675 |
| Average total loans | $92,341,000 | 3,393 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 1,051 |
| Cost of funding earning assets | 0.1251% | 5,199 |
| Net interest margin | 5.0408% | 267 |
| Noninterest income to average assets | 0.3162% | 3,815 |
| Noninterest expense to average assets | 3.9271% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8756% | 3,380 |
| Return on assets (ROA) | 0.8756% | 3,447 |
| Pretax return on assets | 1.1829% | 2,963 |
| Return on Equity (ROE) | 6.6577% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.6577% | 1,975 |
| Net charge-offs to loans | -0.0502% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8509% | 1,290 |
| Assets per employee ($millions) | 3.6216% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 336 |
| Loan loss allowance to noncurrent loans | 186.5672% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 1,320 |
| Noncurrent loans to loans | 1.1712% | 1,377 |
| Net loans and leases to total assets | 82.0847% | 599 |
| Net loans and leases to deposits | 94.5766% | 1,198 |
| Net loans and leases to core deposits | 96.5218% | 2,019 |
| Total domestic deposits to total assets | 86.7918% | 1,686 |
| Equity capital to assets | 13.0123% | 1,584 |
| Core capital (leverage) ratio | 12.4785% | 1,544 |
| Tier 1 risk-based capital ratio | 16.1745% | 2,338 |
| Total risk-based capital ratio | 17.4389% | 2,285 |
| Memoranda: | ||
| Average total assets | $112,603,000 | 3,863 |
| Average earning assets | $107,087,000 | 3,821 |
| Average equity | $14,810,000 | 3,693 |
| Average total loans | $91,643,670 | 3,420 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 1,247 |
| Cost of funding earning assets | 0.0760% | 5,310 |
| Net interest margin | 4.9600% | 304 |
| Noninterest income to average assets | 0.2632% | 4,125 |
| Noninterest expense to average assets | 3.9294% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8075% | 3,592 |
| Return on assets (ROA) | 0.8075% | 3,630 |
| Pretax return on assets | 1.0382% | 3,315 |
| Return on Equity (ROE) | 6.1056% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.1056% | 2,415 |
| Net charge-offs to loans | -0.0585% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1001% | 1,148 |
| Assets per employee ($millions) | 3.4964% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 335 |
| Loan loss allowance to noncurrent loans | 212.5628% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 1,477 |
| Noncurrent loans to loans | 1.0555% | 1,579 |
| Net loans and leases to total assets | 82.3683% | 544 |
| Net loans and leases to deposits | 95.0592% | 1,058 |
| Net loans and leases to core deposits | 97.0871% | 1,848 |
| Total domestic deposits to total assets | 86.6496% | 1,984 |
| Equity capital to assets | 13.2217% | 1,338 |
| Core capital (leverage) ratio | 12.5708% | 1,466 |
| Tier 1 risk-based capital ratio | 16.1453% | 2,375 |
| Total risk-based capital ratio | 17.4108% | 2,328 |
| Memoranda: | ||
| Average total assets | $110,959,500 | 3,922 |
| Average earning assets | $105,242,000 | 3,897 |
| Average equity | $14,675,000 | 3,728 |
| Average total loans | $88,839,000 | 3,514 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 2,189 |
| Cost of funding earning assets | 0.0990% | 5,285 |
| Net interest margin | 4.4814% | 789 |
| Noninterest income to average assets | 0.3226% | 3,941 |
| Noninterest expense to average assets | 3.6532% | 819 |
| Loan and lease loss provision to assets | 0.1721% | 1,158 |
| Net operating income to assets | 0.6307% | 4,335 |
| Return on assets (ROA) | 0.6307% | 4,342 |
| Pretax return on assets | 0.7408% | 4,310 |
| Return on Equity (ROE) | 5.1735% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.1735% | 2,679 |
| Net charge-offs to loans | -0.0647% | 5,045 |
| Credit loss provision to net charge-offs | -363.6364% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0075% | 961 |
| Assets per employee ($millions) | 3.7943% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5202% | 229 |
| Loan loss allowance to noncurrent loans | 207.0936% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 1,307 |
| Noncurrent loans to loans | 1.2169% | 1,314 |
| Net loans and leases to total assets | 73.8892% | 1,954 |
| Net loans and leases to deposits | 85.3218% | 2,372 |
| Net loans and leases to core deposits | 86.9469% | 2,846 |
| Total domestic deposits to total assets | 86.6006% | 1,964 |
| Equity capital to assets | 13.2294% | 1,240 |
| Core capital (leverage) ratio | 11.7264% | 1,930 |
| Tier 1 risk-based capital ratio | 18.1269% | 1,722 |
| Total risk-based capital ratio | 19.3959% | 1,667 |
| Memoranda: | ||
| Average total assets | $116,225,400 | 3,847 |
| Average earning assets | $110,055,800 | 3,802 |
| Average equity | $14,168,400 | 3,729 |
| Average total loans | $84,972,200 | 3,570 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 2,375 |
| Cost of funding earning assets | 0.1003% | 5,352 |
| Net interest margin | 4.3758% | 948 |
| Noninterest income to average assets | 0.3272% | 3,957 |
| Noninterest expense to average assets | 3.6850% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6838% | 4,278 |
| Return on assets (ROA) | 0.6838% | 4,290 |
| Pretax return on assets | 0.7902% | 4,324 |
| Return on Equity (ROE) | 5.7231% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.7231% | 2,811 |
| Net charge-offs to loans | -0.0656% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3425% | 757 |
| Assets per employee ($millions) | 4.0861% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 309 |
| Loan loss allowance to noncurrent loans | 95.3078% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 653 |
| Noncurrent loans to loans | 2.4075% | 555 |
| Net loans and leases to total assets | 67.8825% | 2,964 |
| Net loans and leases to deposits | 77.4231% | 3,287 |
| Net loans and leases to core deposits | 80.1598% | 3,482 |
| Total domestic deposits to total assets | 87.6772% | 1,406 |
| Equity capital to assets | 12.1548% | 1,800 |
| Core capital (leverage) ratio | 11.2165% | 2,402 |
| Tier 1 risk-based capital ratio | 18.0840% | 1,766 |
| Total risk-based capital ratio | 19.3498% | 1,717 |
| Memoranda: | ||
| Average total assets | $117,773,000 | 3,862 |
| Average earning assets | $111,641,500 | 3,821 |
| Average equity | $14,071,250 | 3,766 |
| Average total loans | $85,363,750 | 3,592 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,352 |
| Cost of funding earning assets | 0.1040% | 5,402 |
| Net interest margin | 4.3145% | 1,008 |
| Noninterest income to average assets | 0.3369% | 3,932 |
| Noninterest expense to average assets | 3.8134% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5786% | 4,572 |
| Return on assets (ROA) | 0.5786% | 4,566 |
| Pretax return on assets | 0.6194% | 4,705 |
| Return on Equity (ROE) | 4.8708% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.8708% | 3,144 |
| Net charge-offs to loans | -0.0232% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0269% | 565 |
| Assets per employee ($millions) | 3.9463% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1799% | 387 |
| Loan loss allowance to noncurrent loans | 106.5404% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.5846% | 814 |
| Noncurrent loans to loans | 2.0461% | 723 |
| Net loans and leases to total assets | 70.3866% | 2,522 |
| Net loans and leases to deposits | 80.1304% | 2,929 |
| Net loans and leases to core deposits | 82.9575% | 3,165 |
| Total domestic deposits to total assets | 87.8401% | 1,456 |
| Equity capital to assets | 11.9454% | 1,886 |
| Core capital (leverage) ratio | 11.1057% | 2,432 |
| Tier 1 risk-based capital ratio | 17.4391% | 1,958 |
| Total risk-based capital ratio | 18.7045% | 1,906 |
| Memoranda: | ||
| Average total assets | $117,532,000 | 3,903 |
| Average earning assets | $111,577,330 | 3,851 |
| Average equity | $13,960,670 | 3,802 |
| Average total loans | $86,376,000 | 3,596 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,778 |
| Cost of funding earning assets | 0.1044% | 5,453 |
| Net interest margin | 4.1273% | 1,374 |
| Noninterest income to average assets | 0.3894% | 3,543 |
| Noninterest expense to average assets | 3.8667% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3450% | 5,016 |
| Return on assets (ROA) | 0.3450% | 5,021 |
| Pretax return on assets | 0.4372% | 4,977 |
| Return on Equity (ROE) | 2.9128% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.9128% | 4,032 |
| Net charge-offs to loans | -0.0276% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8413% | 449 |
| Assets per employee ($millions) | 3.8458% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 392 |
| Loan loss allowance to noncurrent loans | 100.4881% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 793 |
| Noncurrent loans to loans | 2.1829% | 691 |
| Net loans and leases to total assets | 69.3036% | 2,590 |
| Net loans and leases to deposits | 78.6032% | 2,951 |
| Net loans and leases to core deposits | 81.3443% | 3,204 |
| Total domestic deposits to total assets | 88.1688% | 1,526 |
| Equity capital to assets | 11.6668% | 2,016 |
| Core capital (leverage) ratio | 11.0317% | 2,410 |
| Tier 1 risk-based capital ratio | 16.8910% | 2,144 |
| Total risk-based capital ratio | 18.1546% | 2,095 |
| Memoranda: | ||
| Average total assets | $117,103,500 | 3,948 |
| Average earning assets | $111,066,000 | 3,902 |
| Average equity | $13,870,000 | 3,844 |
| Average total loans | $86,970,500 | 3,607 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,804 |
| Cost of funding earning assets | 0.1155% | 5,432 |
| Net interest margin | 4.3580% | 847 |
| Noninterest income to average assets | 0.4957% | 3,028 |
| Noninterest expense to average assets | 3.8388% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3682% | 5,492 |
| Return on assets (ROA) | -0.3682% | 5,492 |
| Pretax return on assets | 0.7406% | 4,410 |
| Return on Equity (ROE) | -3.0599% | 5,488 |
| Retained earnings to average equity (ytd only) | -3.0599% | 5,347 |
| Net charge-offs to loans | -0.1086% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8278% | 783 |
| Assets per employee ($millions) | 3.8329% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 473 |
| Loan loss allowance to noncurrent loans | 95.3536% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7671% | 711 |
| Noncurrent loans to loans | 2.1651% | 683 |
| Net loans and leases to total assets | 76.1975% | 1,556 |
| Net loans and leases to deposits | 86.7926% | 2,162 |
| Net loans and leases to core deposits | 89.9467% | 2,574 |
| Total domestic deposits to total assets | 87.7926% | 1,609 |
| Equity capital to assets | 12.0282% | 1,814 |
| Core capital (leverage) ratio | 10.3436% | 3,024 |
| Tier 1 risk-based capital ratio | 15.4861% | 2,635 |
| Total risk-based capital ratio | 16.7486% | 2,566 |
| Memoranda: | ||
| Average total assets | $119,230,600 | 3,909 |
| Average earning assets | $111,726,200 | 3,887 |
| Average equity | $14,347,000 | 3,800 |
| Average total loans | $95,736,200 | 3,421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,863 |
| Cost of funding earning assets | 0.1174% | 5,492 |
| Net interest margin | 4.3107% | 898 |
| Noninterest income to average assets | 0.5808% | 2,577 |
| Noninterest expense to average assets | 3.8761% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4744% | 4,815 |
| Return on assets (ROA) | 0.4744% | 4,851 |
| Pretax return on assets | 0.7349% | 4,522 |
| Return on Equity (ROE) | 3.9420% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.9420% | 3,574 |
| Net charge-offs to loans | -0.0356% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0625% | 748 |
| Assets per employee ($millions) | 4.0254% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 800 |
| Loan loss allowance to noncurrent loans | 69.8657% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3037% | 504 |
| Noncurrent loans to loans | 2.6219% | 552 |
| Net loans and leases to total assets | 78.5042% | 1,195 |
| Net loans and leases to deposits | 89.5467% | 1,866 |
| Net loans and leases to core deposits | 92.6445% | 2,382 |
| Total domestic deposits to total assets | 87.6684% | 1,533 |
| Equity capital to assets | 12.1776% | 1,851 |
| Core capital (leverage) ratio | 10.7084% | 2,751 |
| Tier 1 risk-based capital ratio | 13.8213% | 3,522 |
| Total risk-based capital ratio | 15.0800% | 3,451 |
| Memoranda: | ||
| Average total assets | $120,291,250 | 3,929 |
| Average earning assets | $112,461,500 | 3,915 |
| Average equity | $14,476,000 | 3,820 |
| Average total loans | $97,304,000 | 3,421 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 1,822 |
| Cost of funding earning assets | 0.1248% | 5,480 |
| Net interest margin | 4.2720% | 934 |
| Noninterest income to average assets | 0.7142% | 1,925 |
| Noninterest expense to average assets | 3.9656% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4711% | 4,786 |
| Return on assets (ROA) | 0.4711% | 4,813 |
| Pretax return on assets | 0.7375% | 4,463 |
| Return on Equity (ROE) | 3.9307% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.9307% | 3,356 |
| Net charge-offs to loans | -0.0287% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3186% | 819 |
| Assets per employee ($millions) | 3.9511% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 967 |
| Loan loss allowance to noncurrent loans | 89.3238% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.8362% | 743 |
| Noncurrent loans to loans | 1.9688% | 860 |
| Net loans and leases to total assets | 80.1336% | 932 |
| Net loans and leases to deposits | 97.0188% | 983 |
| Net loans and leases to core deposits | 100.5367% | 1,615 |
| Total domestic deposits to total assets | 82.5960% | 3,684 |
| Equity capital to assets | 11.8816% | 2,016 |
| Core capital (leverage) ratio | 10.6133% | 2,794 |
| Tier 1 risk-based capital ratio | 13.3365% | 3,786 |
| Total risk-based capital ratio | 14.5941% | 3,699 |
| Memoranda: | ||
| Average total assets | $120,134,000 | 3,960 |
| Average earning assets | $112,172,330 | 3,942 |
| Average equity | $14,399,330 | 3,836 |
| Average total loans | $97,547,670 | 3,434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,538 |
| Cost of funding earning assets | 0.1155% | 5,587 |
| Net interest margin | 4.3213% | 746 |
| Noninterest income to average assets | 0.8339% | 1,448 |
| Noninterest expense to average assets | 4.0854% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5010% | 4,590 |
| Return on assets (ROA) | 0.5010% | 4,618 |
| Pretax return on assets | 0.7734% | 4,205 |
| Return on Equity (ROE) | 4.1613% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.1613% | 3,377 |
| Net charge-offs to loans | -0.0042% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0830% | 965 |
| Assets per employee ($millions) | 4.0581% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 958 |
| Loan loss allowance to noncurrent loans | 86.7662% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 689 |
| Noncurrent loans to loans | 2.0755% | 847 |
| Net loans and leases to total assets | 80.8091% | 720 |
| Net loans and leases to deposits | 92.3149% | 1,295 |
| Net loans and leases to core deposits | 95.9908% | 1,821 |
| Total domestic deposits to total assets | 87.5363% | 1,967 |
| Equity capital to assets | 12.2402% | 1,691 |
| Core capital (leverage) ratio | 10.5900% | 2,802 |
| Tier 1 risk-based capital ratio | 13.0354% | 4,053 |
| Total risk-based capital ratio | 14.2925% | 3,957 |
| Memoranda: | ||
| Average total assets | $118,959,500 | 4,016 |
| Average earning assets | $110,800,000 | 4,000 |
| Average equity | $14,322,500 | 3,870 |
| Average total loans | $96,368,000 | 3,473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,000 |
| Cost of funding earning assets | 0.1448% | 5,453 |
| Net interest margin | 3.9117% | 1,929 |
| Noninterest income to average assets | 0.7574% | 1,928 |
| Noninterest expense to average assets | 4.0227% | 580 |
| Loan and lease loss provision to assets | -0.5283% | 5,880 |
| Net operating income to assets | 3.2546% | 72 |
| Return on assets (ROA) | 3.2546% | 71 |
| Pretax return on assets | 1.0038% | 3,464 |
| Return on Equity (ROE) | 33.6411% | 25 |
| Retained earnings to average equity (ytd only) | 33.6411% | 11 |
| Net charge-offs to loans | -0.9073% | 5,859 |
| Credit loss provision to net charge-offs | 81.7602% | 2,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4284% | 592 |
| Assets per employee ($millions) | 4.0219% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,531 |
| Loan loss allowance to noncurrent loans | 127.3820% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 1,170 |
| Noncurrent loans to loans | 1.2101% | 1,703 |
| Net loans and leases to total assets | 78.5605% | 1,116 |
| Net loans and leases to deposits | 89.6739% | 1,724 |
| Net loans and leases to core deposits | 93.1504% | 2,197 |
| Total domestic deposits to total assets | 87.6069% | 1,826 |
| Equity capital to assets | 12.1527% | 1,703 |
| Core capital (leverage) ratio | 10.5620% | 2,820 |
| Tier 1 risk-based capital ratio | 13.6450% | 3,678 |
| Total risk-based capital ratio | 14.8991% | 3,580 |
| Memoranda: | ||
| Average total assets | $121,337,600 | 3,970 |
| Average earning assets | $116,036,800 | 3,897 |
| Average equity | $11,738,600 | 4,288 |
| Average total loans | $86,406,800 | 3,652 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,254 |
| Cost of funding earning assets | 0.1519% | 5,475 |
| Net interest margin | 3.8402% | 2,194 |
| Noninterest income to average assets | 0.8328% | 1,635 |
| Noninterest expense to average assets | 4.0249% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4982% | 4,706 |
| Return on assets (ROA) | 0.4982% | 4,795 |
| Pretax return on assets | 0.4982% | 5,129 |
| Return on Equity (ROE) | 5.4992% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,483 |
| Net charge-offs to loans | -1.2374% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9859% | 616 |
| Assets per employee ($millions) | 3.6392% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 306 |
| Loan loss allowance to noncurrent loans | 214.5749% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 1,422 |
| Noncurrent loans to loans | 1.1997% | 1,871 |
| Net loans and leases to total assets | 66.8129% | 2,989 |
| Net loans and leases to deposits | 73.8817% | 3,609 |
| Net loans and leases to core deposits | 76.6674% | 3,777 |
| Total domestic deposits to total assets | 90.4323% | 340 |
| Equity capital to assets | 9.3628% | 4,800 |
| Core capital (leverage) ratio | 9.0880% | 4,734 |
| Tier 1 risk-based capital ratio | 13.9505% | 3,585 |
| Total risk-based capital ratio | 15.2170% | 3,498 |
| Memoranda: | ||
| Average total assets | $121,508,000 | 3,987 |
| Average earning assets | $116,762,750 | 3,909 |
| Average equity | $11,007,500 | 4,468 |
| Average total loans | $83,940,500 | 3,730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,323 |
| Cost of funding earning assets | 0.1621% | 5,475 |
| Net interest margin | 3.8144% | 2,256 |
| Noninterest income to average assets | 0.8821% | 1,432 |
| Noninterest expense to average assets | 4.0482% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5001% | 4,678 |
| Return on assets (ROA) | 0.5001% | 4,785 |
| Pretax return on assets | 0.5001% | 5,127 |
| Return on Equity (ROE) | 5.5816% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.5816% | 2,374 |
| Net charge-offs to loans | -0.1752% | 5,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0050% | 656 |
| Assets per employee ($millions) | 3.9520% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 1,454 |
| Loan loss allowance to noncurrent loans | 95.4791% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 1,227 |
| Noncurrent loans to loans | 1.7029% | 1,245 |
| Net loans and leases to total assets | 67.6986% | 2,825 |
| Net loans and leases to deposits | 74.3851% | 3,541 |
| Net loans and leases to core deposits | 77.4117% | 3,701 |
| Total domestic deposits to total assets | 91.0110% | 190 |
| Equity capital to assets | 8.7763% | 5,422 |
| Core capital (leverage) ratio | 9.0684% | 4,754 |
| Tier 1 risk-based capital ratio | 13.4369% | 3,944 |
| Total risk-based capital ratio | 14.6925% | 3,850 |
| Memoranda: | ||
| Average total assets | $121,980,000 | 4,012 |
| Average earning assets | $117,240,330 | 3,927 |
| Average equity | $10,928,670 | 4,505 |
| Average total loans | $84,468,330 | 3,731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 3,624 |
| Cost of funding earning assets | 0.1624% | 5,529 |
| Net interest margin | 3.7274% | 2,564 |
| Noninterest income to average assets | 1.1926% | 773 |
| Noninterest expense to average assets | 4.1725% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6247% | 4,078 |
| Return on assets (ROA) | 0.6247% | 4,195 |
| Pretax return on assets | 0.6247% | 4,746 |
| Return on Equity (ROE) | 6.8981% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.8981% | 1,933 |
| Net charge-offs to loans | -0.2933% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9777% | 892 |
| Assets per employee ($millions) | 3.6078% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,449 |
| Loan loss allowance to noncurrent loans | 76.4866% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 1,057 |
| Noncurrent loans to loans | 2.1744% | 951 |
| Net loans and leases to total assets | 67.5814% | 2,716 |
| Net loans and leases to deposits | 74.3747% | 3,396 |
| Net loans and leases to core deposits | 77.6846% | 3,523 |
| Total domestic deposits to total assets | 90.8661% | 306 |
| Equity capital to assets | 8.9187% | 5,251 |
| Core capital (leverage) ratio | 9.0976% | 4,737 |
| Tier 1 risk-based capital ratio | 13.2328% | 4,130 |
| Total risk-based capital ratio | 14.4876% | 4,057 |
| Memoranda: | ||
| Average total assets | $119,737,500 | 4,077 |
| Average earning assets | $115,792,500 | 3,978 |
| Average equity | $10,843,500 | 4,536 |
| Average total loans | $83,187,500 | 3,777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,345 |
| Cost of funding earning assets | 0.2728% | 4,555 |
| Net interest margin | 3.4360% | 3,770 |
| Noninterest income to average assets | 0.8905% | 1,467 |
| Noninterest expense to average assets | 4.0446% | 627 |
| Loan and lease loss provision to assets | 0.0009% | 4,366 |
| Net operating income to assets | 0.1342% | 5,709 |
| Return on assets (ROA) | 0.1342% | 5,758 |
| Pretax return on assets | 0.1495% | 5,751 |
| Return on Equity (ROE) | 1.4943% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.4943% | 4,870 |
| Net charge-offs to loans | 0.0093% | 4,134 |
| Credit loss provision to net charge-offs | 14.2857% | 3,791 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,640 |
| Efficiency ratio | 96.4147% | 383 |
| Assets per employee ($millions) | 3.4356% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,515 |
| Loan loss allowance to noncurrent loans | 60.9545% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 797 |
| Noncurrent loans to loans | 2.6805% | 660 |
| Net loans and leases to total assets | 69.1151% | 2,517 |
| Net loans and leases to deposits | 76.2678% | 3,219 |
| Net loans and leases to core deposits | 79.8469% | 3,367 |
| Total domestic deposits to total assets | 90.6216% | 400 |
| Equity capital to assets | 9.2003% | 4,910 |
| Core capital (leverage) ratio | 9.3248% | 4,436 |
| Tier 1 risk-based capital ratio | 13.5397% | 3,986 |
| Total risk-based capital ratio | 14.7939% | 3,914 |
| Memoranda: | ||
| Average total assets | $117,019,400 | 4,115 |
| Average earning assets | $112,542,400 | 4,026 |
| Average equity | $10,506,600 | 4,563 |
| Average total loans | $74,964,000 | 3,971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,595 |
| Cost of funding earning assets | 0.3001% | 4,339 |
| Net interest margin | 3.3425% | 4,171 |
| Noninterest income to average assets | 0.6309% | 2,580 |
| Noninterest expense to average assets | 4.0601% | 622 |
| Loan and lease loss provision to assets | 0.0011% | 4,221 |
| Net operating income to assets | -0.2414% | 6,059 |
| Return on assets (ROA) | -0.2414% | 6,076 |
| Pretax return on assets | -0.2209% | 6,059 |
| Return on Equity (ROE) | -2.7058% | 6,094 |
| Retained earnings to average equity (ytd only) | -2.7058% | 5,915 |
| Net charge-offs to loans | 0.1129% | 1,996 |
| Credit loss provision to net charge-offs | 1.6129% | 3,513 |
| Earnings coverage of net charge-offs (x) | -3.1131% | 4,102 |
| Efficiency ratio | 105.7236% | 196 |
| Assets per employee ($millions) | 3.4679% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 1,526 |
| Loan loss allowance to noncurrent loans | 70.3116% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.9014% | 1,097 |
| Noncurrent loans to loans | 2.3855% | 870 |
| Net loans and leases to total assets | 65.8732% | 3,034 |
| Net loans and leases to deposits | 72.6668% | 3,686 |
| Net loans and leases to core deposits | 76.0545% | 3,799 |
| Total domestic deposits to total assets | 90.6511% | 350 |
| Equity capital to assets | 9.0842% | 5,225 |
| Core capital (leverage) ratio | 8.9527% | 5,050 |
| Tier 1 risk-based capital ratio | 13.0463% | 4,404 |
| Total risk-based capital ratio | 14.3001% | 4,319 |
| Memoranda: | ||
| Average total assets | $117,071,500 | 4,160 |
| Average earning assets | $112,406,750 | 4,076 |
| Average equity | $10,446,500 | 4,629 |
| Average total loans | $73,186,250 | 4,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,721 |
| Cost of funding earning assets | 0.3622% | 3,670 |
| Net interest margin | 3.2368% | 4,540 |
| Noninterest income to average assets | 0.6460% | 2,493 |
| Noninterest expense to average assets | 4.1425% | 586 |
| Loan and lease loss provision to assets | 0.0017% | 4,050 |
| Net operating income to assets | -0.4222% | 6,168 |
| Return on assets (ROA) | -0.4222% | 6,181 |
| Pretax return on assets | -0.3917% | 6,163 |
| Return on Equity (ROE) | -4.7595% | 6,188 |
| Retained earnings to average equity (ytd only) | -4.7595% | 6,008 |
| Net charge-offs to loans | 0.1139% | 1,867 |
| Credit loss provision to net charge-offs | 2.4390% | 3,144 |
| Earnings coverage of net charge-offs (x) | -5.6098% | 3,824 |
| Efficiency ratio | 110.3931% | 167 |
| Assets per employee ($millions) | 3.2402% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 1,484 |
| Loan loss allowance to noncurrent loans | 62.2677% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 1,020 |
| Noncurrent loans to loans | 2.8185% | 732 |
| Net loans and leases to total assets | 61.0291% | 3,688 |
| Net loans and leases to deposits | 66.9675% | 4,226 |
| Net loans and leases to core deposits | 70.0898% | 4,316 |
| Total domestic deposits to total assets | 91.1325% | 272 |
| Equity capital to assets | 8.6131% | 5,589 |
| Core capital (leverage) ratio | 8.9156% | 5,073 |
| Tier 1 risk-based capital ratio | 13.3153% | 4,337 |
| Total risk-based capital ratio | 14.5700% | 4,263 |
| Memoranda: | ||
| Average total assets | $117,948,330 | 4,187 |
| Average earning assets | $113,198,670 | 4,089 |
| Average equity | $10,463,330 | 4,658 |
| Average total loans | $72,024,330 | 4,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 5,015 |
| Cost of funding earning assets | 0.3023% | 4,415 |
| Net interest margin | 3.1799% | 4,677 |
| Noninterest income to average assets | 0.6668% | 2,327 |
| Noninterest expense to average assets | 4.1649% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5027% | 6,246 |
| Return on assets (ROA) | -0.5027% | 6,255 |
| Pretax return on assets | -0.4411% | 6,230 |
| Return on Equity (ROE) | -5.5830% | 6,269 |
| Retained earnings to average equity (ytd only) | -5.5830% | 5,968 |
| Net charge-offs to loans | 0.1808% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -4.0313% | 3,225 |
| Efficiency ratio | 111.8457% | 182 |
| Assets per employee ($millions) | 3.1374% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 1,341 |
| Loan loss allowance to noncurrent loans | 32.7522% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 3.9607% | 377 |
| Noncurrent loans to loans | 5.7099% | 200 |
| Net loans and leases to total assets | 57.8770% | 3,958 |
| Net loans and leases to deposits | 63.6112% | 4,409 |
| Net loans and leases to core deposits | 66.7534% | 4,447 |
| Total domestic deposits to total assets | 90.9856% | 371 |
| Equity capital to assets | 8.7771% | 5,525 |
| Core capital (leverage) ratio | 8.9227% | 5,048 |
| Tier 1 risk-based capital ratio | 14.5877% | 3,675 |
| Total risk-based capital ratio | 15.8442% | 3,590 |
| Memoranda: | ||
| Average total assets | $116,979,000 | 4,239 |
| Average earning assets | $112,455,500 | 4,135 |
| Average equity | $10,532,000 | 4,689 |
| Average total loans | $70,800,000 | 4,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 4,722 |
| Cost of funding earning assets | 0.3463% | 4,287 |
| Net interest margin | 3.3750% | 4,301 |
| Noninterest income to average assets | 0.5750% | 3,022 |
| Noninterest expense to average assets | 4.3692% | 518 |
| Loan and lease loss provision to assets | 0.0017% | 4,578 |
| Net operating income to assets | -0.5725% | 6,315 |
| Return on assets (ROA) | -0.5725% | 6,314 |
| Pretax return on assets | -0.5725% | 6,304 |
| Return on Equity (ROE) | -6.2986% | 6,318 |
| Retained earnings to average equity (ytd only) | -6.2986% | 6,230 |
| Net charge-offs to loans | 0.2070% | 2,011 |
| Credit loss provision to net charge-offs | 1.2821% | 4,193 |
| Earnings coverage of net charge-offs (x) | -4.4038% | 4,883 |
| Efficiency ratio | 115.0295% | 161 |
| Assets per employee ($millions) | 2.9420% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 1,338 |
| Loan loss allowance to noncurrent loans | 36.5437% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 3.8740% | 444 |
| Noncurrent loans to loans | 5.1709% | 274 |
| Net loans and leases to total assets | 60.9537% | 3,643 |
| Net loans and leases to deposits | 67.2775% | 4,194 |
| Net loans and leases to core deposits | 70.7528% | 4,244 |
| Total domestic deposits to total assets | 90.6003% | 496 |
| Equity capital to assets | 9.2384% | 5,024 |
| Core capital (leverage) ratio | 8.8502% | 5,184 |
| Tier 1 risk-based capital ratio | 15.2325% | 3,358 |
| Total risk-based capital ratio | 16.4907% | 3,304 |
| Memoranda: | ||
| Average total assets | $120,342,800 | 4,172 |
| Average earning assets | $114,934,600 | 4,073 |
| Average equity | $10,939,000 | 4,575 |
| Average total loans | $75,348,400 | 4,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,824 |
| Cost of funding earning assets | 0.3489% | 4,351 |
| Net interest margin | 3.3609% | 4,389 |
| Noninterest income to average assets | 0.5279% | 3,338 |
| Noninterest expense to average assets | 4.3325% | 539 |
| Loan and lease loss provision to assets | 0.0022% | 4,361 |
| Net operating income to assets | -0.6002% | 6,395 |
| Return on assets (ROA) | -0.6002% | 6,395 |
| Pretax return on assets | -0.6002% | 6,384 |
| Return on Equity (ROE) | -6.6280% | 6,399 |
| Retained earnings to average equity (ytd only) | -6.6280% | 6,312 |
| Net charge-offs to loans | -0.0210% | 5,626 |
| Credit loss provision to net charge-offs | -16.6667% | 5,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0117% | 158 |
| Assets per employee ($millions) | 3.6092% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 1,187 |
| Loan loss allowance to noncurrent loans | 27.3861% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 5.3869% | 294 |
| Noncurrent loans to loans | 7.4406% | 149 |
| Net loans and leases to total assets | 61.1516% | 3,608 |
| Net loans and leases to deposits | 67.4526% | 4,189 |
| Net loans and leases to core deposits | 70.7154% | 4,268 |
| Total domestic deposits to total assets | 90.6586% | 467 |
| Equity capital to assets | 9.0282% | 5,324 |
| Core capital (leverage) ratio | 8.8078% | 5,329 |
| Tier 1 risk-based capital ratio | 15.1835% | 3,483 |
| Total risk-based capital ratio | 16.4439% | 3,421 |
| Memoranda: | ||
| Average total assets | $121,744,000 | 4,185 |
| Average earning assets | $116,155,250 | 4,085 |
| Average equity | $11,023,750 | 4,593 |
| Average total loans | $76,364,500 | 4,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,885 |
| Cost of funding earning assets | 0.3389% | 4,549 |
| Net interest margin | 3.3527% | 4,388 |
| Noninterest income to average assets | 0.4697% | 3,718 |
| Noninterest expense to average assets | 4.2667% | 566 |
| Loan and lease loss provision to assets | 0.0033% | 4,151 |
| Net operating income to assets | -0.6051% | 6,459 |
| Return on assets (ROA) | -0.6051% | 6,465 |
| Pretax return on assets | -0.6051% | 6,446 |
| Return on Equity (ROE) | -6.6763% | 6,475 |
| Retained earnings to average equity (ytd only) | -6.6763% | 6,333 |
| Net charge-offs to loans | 0.0883% | 2,805 |
| Credit loss provision to net charge-offs | 5.8824% | 3,349 |
| Earnings coverage of net charge-offs (x) | -10.8529% | 4,314 |
| Efficiency ratio | 116.4219% | 171 |
| Assets per employee ($millions) | 3.7966% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8983% | 1,592 |
| Loan loss allowance to noncurrent loans | 31.7416% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 4.5982% | 420 |
| Noncurrent loans to loans | 5.9804% | 261 |
| Net loans and leases to total assets | 60.5945% | 3,619 |
| Net loans and leases to deposits | 66.5577% | 4,215 |
| Net loans and leases to core deposits | 69.6742% | 4,299 |
| Total domestic deposits to total assets | 91.0406% | 405 |
| Equity capital to assets | 8.7232% | 5,598 |
| Core capital (leverage) ratio | 8.8800% | 5,191 |
| Tier 1 risk-based capital ratio | 14.8726% | 3,699 |
| Total risk-based capital ratio | 16.1320% | 3,644 |
| Memoranda: | ||
| Average total assets | $122,624,000 | 4,185 |
| Average earning assets | $116,861,670 | 4,089 |
| Average equity | $11,114,000 | 4,583 |
| Average total loans | $77,036,330 | 4,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,703 |
| Cost of funding earning assets | 0.3420% | 4,626 |
| Net interest margin | 3.3992% | 4,117 |
| Noninterest income to average assets | 0.2737% | 5,184 |
| Noninterest expense to average assets | 4.1322% | 648 |
| Loan and lease loss provision to assets | 0.0033% | 3,779 |
| Net operating income to assets | -0.6167% | 6,505 |
| Return on assets (ROA) | -0.6167% | 6,504 |
| Pretax return on assets | -0.6167% | 6,487 |
| Return on Equity (ROE) | -6.6747% | 6,507 |
| Retained earnings to average equity (ytd only) | -6.6747% | 6,223 |
| Net charge-offs to loans | 0.4059% | 893 |
| Credit loss provision to net charge-offs | 1.2821% | 2,676 |
| Earnings coverage of net charge-offs (x) | -2.3846% | 3,543 |
| Efficiency ratio | 117.4321% | 199 |
| Assets per employee ($millions) | 3.4865% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 1,792 |
| Loan loss allowance to noncurrent loans | 27.9545% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 5.1800% | 379 |
| Noncurrent loans to loans | 6.7547% | 240 |
| Net loans and leases to total assets | 60.6341% | 3,456 |
| Net loans and leases to deposits | 66.9139% | 3,984 |
| Net loans and leases to core deposits | 69.9821% | 4,097 |
| Total domestic deposits to total assets | 90.6152% | 731 |
| Equity capital to assets | 9.1070% | 4,993 |
| Core capital (leverage) ratio | 9.1259% | 4,825 |
| Tier 1 risk-based capital ratio | 15.4150% | 3,491 |
| Total risk-based capital ratio | 16.6738% | 3,436 |
| Memoranda: | ||
| Average total assets | $121,292,500 | 4,249 |
| Average earning assets | $115,793,000 | 4,147 |
| Average equity | $11,206,500 | 4,570 |
| Average total loans | $76,861,500 | 4,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 3,040 |
| Cost of funding earning assets | 0.4698% | 3,912 |
| Net interest margin | 3.8091% | 2,625 |
| Noninterest income to average assets | 0.5385% | 3,490 |
| Noninterest expense to average assets | 4.1400% | 743 |
| Loan and lease loss provision to assets | 0.0070% | 4,983 |
| Net operating income to assets | -0.0070% | 6,223 |
| Return on assets (ROA) | -0.0070% | 6,260 |
| Pretax return on assets | -0.0070% | 6,236 |
| Return on Equity (ROE) | -0.0807% | 6,262 |
| Retained earnings to average equity (ytd only) | -0.0807% | 5,884 |
| Net charge-offs to loans | 0.7130% | 904 |
| Credit loss provision to net charge-offs | 1.4196% | 4,694 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,090 |
| Efficiency ratio | 100.0000% | 474 |
| Assets per employee ($millions) | 3.6533% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,746 |
| Loan loss allowance to noncurrent loans | 53.3594% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 3.5651% | 805 |
| Noncurrent loans to loans | 3.5922% | 858 |
| Net loans and leases to total assets | 63.7104% | 3,090 |
| Net loans and leases to deposits | 70.6592% | 3,707 |
| Net loans and leases to core deposits | 73.9548% | 3,844 |
| Total domestic deposits to total assets | 90.1657% | 994 |
| Equity capital to assets | 9.3731% | 4,581 |
| Core capital (leverage) ratio | 9.3038% | 4,542 |
| Tier 1 risk-based capital ratio | 15.0188% | 3,652 |
| Total risk-based capital ratio | 16.2781% | 3,588 |
| Memoranda: | ||
| Average total assets | $128,310,200 | 4,104 |
| Average earning assets | $121,315,400 | 4,025 |
| Average equity | $11,152,600 | 4,607 |
| Average total loans | $88,926,000 | 3,716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,808 |
| Cost of funding earning assets | 0.4993% | 3,772 |
| Net interest margin | 3.8467% | 2,477 |
| Noninterest income to average assets | 0.6644% | 2,803 |
| Noninterest expense to average assets | 3.9831% | 876 |
| Loan and lease loss provision to assets | 0.0092% | 4,801 |
| Net operating income to assets | 0.2999% | 5,612 |
| Return on assets (ROA) | 0.2999% | 5,729 |
| Pretax return on assets | 0.2999% | 5,875 |
| Return on Equity (ROE) | 3.5145% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.5145% | 4,190 |
| Net charge-offs to loans | 0.7003% | 852 |
| Credit loss provision to net charge-offs | 1.8711% | 4,318 |
| Earnings coverage of net charge-offs (x) | 0.6279% | 4,643 |
| Efficiency ratio | 92.7975% | 801 |
| Assets per employee ($millions) | 4.0460% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 1,704 |
| Loan loss allowance to noncurrent loans | 37.5142% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 5.3164% | 508 |
| Noncurrent loans to loans | 5.3455% | 527 |
| Net loans and leases to total assets | 68.8848% | 2,159 |
| Net loans and leases to deposits | 76.6210% | 2,868 |
| Net loans and leases to core deposits | 80.7533% | 3,038 |
| Total domestic deposits to total assets | 89.9033% | 1,058 |
| Equity capital to assets | 9.6126% | 4,401 |
| Core capital (leverage) ratio | 9.2304% | 4,789 |
| Tier 1 risk-based capital ratio | 14.1645% | 4,309 |
| Total risk-based capital ratio | 15.4249% | 4,251 |
| Memoranda: | ||
| Average total assets | $130,248,250 | 4,108 |
| Average earning assets | $122,837,750 | 4,033 |
| Average equity | $11,115,750 | 4,665 |
| Average total loans | $91,580,250 | 3,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 3,280 |
| Cost of funding earning assets | 0.5459% | 3,461 |
| Net interest margin | 3.6749% | 3,061 |
| Noninterest income to average assets | 0.6629% | 2,839 |
| Noninterest expense to average assets | 3.7324% | 1,198 |
| Loan and lease loss provision to assets | 0.0134% | 4,616 |
| Net operating income to assets | 0.3894% | 5,250 |
| Return on assets (ROA) | 0.3894% | 5,415 |
| Pretax return on assets | 0.3894% | 5,661 |
| Return on Equity (ROE) | 4.7372% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,236 |
| Net charge-offs to loans | 0.9660% | 638 |
| Credit loss provision to net charge-offs | 1.9694% | 3,983 |
| Earnings coverage of net charge-offs (x) | 0.5930% | 4,334 |
| Efficiency ratio | 90.2588% | 1,041 |
| Assets per employee ($millions) | 4.2413% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,153 |
| Loan loss allowance to noncurrent loans | 38.3982% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 4.8773% | 634 |
| Noncurrent loans to loans | 4.9127% | 674 |
| Net loans and leases to total assets | 70.9567% | 1,729 |
| Net loans and leases to deposits | 78.4433% | 2,519 |
| Net loans and leases to core deposits | 82.8950% | 2,708 |
| Total domestic deposits to total assets | 90.4560% | 779 |
| Equity capital to assets | 9.1448% | 5,048 |
| Core capital (leverage) ratio | 8.7831% | 5,315 |
| Tier 1 risk-based capital ratio | 13.1739% | 5,016 |
| Total risk-based capital ratio | 14.4325% | 4,948 |
| Memoranda: | ||
| Average total assets | $134,552,670 | 4,054 |
| Average earning assets | $127,131,670 | 3,961 |
| Average equity | $11,061,330 | 4,708 |
| Average total loans | $94,613,670 | 3,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,557 |
| Cost of funding earning assets | 0.6169% | 2,954 |
| Net interest margin | 3.5238% | 3,602 |
| Noninterest income to average assets | 0.4333% | 4,226 |
| Noninterest expense to average assets | 3.6258% | 1,375 |
| Loan and lease loss provision to assets | 0.0228% | 4,178 |
| Net operating income to assets | 0.1226% | 6,104 |
| Return on assets (ROA) | 0.1226% | 6,196 |
| Pretax return on assets | 0.1226% | 6,220 |
| Return on Equity (ROE) | 1.5682% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.5682% | 5,199 |
| Net charge-offs to loans | -0.1683% | 6,638 |
| Credit loss provision to net charge-offs | -19.5122% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1451% | 726 |
| Assets per employee ($millions) | 4.8542% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 1,409 |
| Loan loss allowance to noncurrent loans | 33.8416% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 6.6430% | 443 |
| Noncurrent loans to loans | 6.8001% | 445 |
| Net loans and leases to total assets | 67.9370% | 2,021 |
| Net loans and leases to deposits | 74.2404% | 2,888 |
| Net loans and leases to core deposits | 77.8186% | 3,098 |
| Total domestic deposits to total assets | 91.5095% | 353 |
| Equity capital to assets | 8.1145% | 6,324 |
| Core capital (leverage) ratio | 7.6467% | 6,390 |
| Tier 1 risk-based capital ratio | 11.8237% | 6,015 |
| Total risk-based capital ratio | 13.0875% | 5,982 |
| Memoranda: | ||
| Average total assets | $140,329,500 | 3,980 |
| Average earning assets | $132,923,500 | 3,883 |
| Average equity | $10,968,000 | 4,779 |
| Average total loans | $97,443,500 | 3,575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 3,708 |
| Cost of funding earning assets | 0.5658% | 4,685 |
| Net interest margin | 3.8614% | 2,979 |
| Noninterest income to average assets | 0.3700% | 4,830 |
| Noninterest expense to average assets | 3.7814% | 1,287 |
| Loan and lease loss provision to assets | 0.0025% | 5,888 |
| Net operating income to assets | 0.0299% | 6,121 |
| Return on assets (ROA) | 0.0299% | 6,263 |
| Pretax return on assets | 0.2352% | 5,944 |
| Return on Equity (ROE) | 0.4299% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.4299% | 5,640 |
| Net charge-offs to loans | 1.4021% | 652 |
| Credit loss provision to net charge-offs | 0.2566% | 5,480 |
| Earnings coverage of net charge-offs (x) | 0.2399% | 5,354 |
| Efficiency ratio | 94.0842% | 794 |
| Assets per employee ($millions) | 4.9911% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 1,717 |
| Loan loss allowance to noncurrent loans | 31.0728% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 6.6505% | 489 |
| Noncurrent loans to loans | 6.8165% | 476 |
| Net loans and leases to total assets | 67.8780% | 2,203 |
| Net loans and leases to deposits | 73.7155% | 3,145 |
| Net loans and leases to core deposits | 77.0174% | 3,403 |
| Total domestic deposits to total assets | 92.0811% | 234 |
| Equity capital to assets | 7.5355% | 6,619 |
| Core capital (leverage) ratio | 7.0660% | 6,678 |
| Tier 1 risk-based capital ratio | 10.9711% | 6,359 |
| Total risk-based capital ratio | 12.2324% | 6,313 |
| Memoranda: | ||
| Average total assets | $157,294,600 | 3,666 |
| Average earning assets | $148,651,000 | 3,583 |
| Average equity | $10,931,800 | 4,773 |
| Average total loans | $111,192,600 | 3,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 3,859 |
| Cost of funding earning assets | 0.5760% | 4,862 |
| Net interest margin | 3.8677% | 3,040 |
| Noninterest income to average assets | 0.3565% | 4,971 |
| Noninterest expense to average assets | 3.8528% | 1,125 |
| Loan and lease loss provision to assets | 0.0025% | 5,772 |
| Net operating income to assets | 0.1562% | 6,022 |
| Return on assets (ROA) | 0.1562% | 6,175 |
| Pretax return on assets | 0.1562% | 6,189 |
| Return on Equity (ROE) | 2.2916% | 5,946 |
| Retained earnings to average equity (ytd only) | 2.2916% | 5,190 |
| Net charge-offs to loans | 1.6494% | 504 |
| Credit loss provision to net charge-offs | 0.2129% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.1356% | 5,267 |
| Efficiency ratio | 96.0431% | 675 |
| Assets per employee ($millions) | 5.0293% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,759 |
| Loan loss allowance to noncurrent loans | 33.3041% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 5.8395% | 705 |
| Noncurrent loans to loans | 6.5280% | 585 |
| Net loans and leases to total assets | 63.6059% | 3,093 |
| Net loans and leases to deposits | 68.4352% | 4,109 |
| Net loans and leases to core deposits | 71.1522% | 4,359 |
| Total domestic deposits to total assets | 92.9432% | 116 |
| Equity capital to assets | 6.8648% | 6,902 |
| Core capital (leverage) ratio | 6.5312% | 6,878 |
| Tier 1 risk-based capital ratio | 10.6264% | 6,624 |
| Total risk-based capital ratio | 11.8884% | 6,607 |
| Memoranda: | ||
| Average total assets | $160,432,750 | 3,646 |
| Average earning assets | $151,612,250 | 3,560 |
| Average equity | $10,938,000 | 4,820 |
| Average total loans | $113,897,250 | 3,241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 3,847 |
| Cost of funding earning assets | 0.5918% | 4,969 |
| Net interest margin | 3.8899% | 2,954 |
| Noninterest income to average assets | 0.3320% | 5,173 |
| Noninterest expense to average assets | 3.9347% | 1,030 |
| Loan and lease loss provision to assets | 0.0037% | 5,598 |
| Net operating income to assets | 0.0849% | 6,196 |
| Return on assets (ROA) | 0.0849% | 6,339 |
| Pretax return on assets | 0.0849% | 6,349 |
| Return on Equity (ROE) | 1.2476% | 6,251 |
| Retained earnings to average equity (ytd only) | 1.2476% | 5,575 |
| Net charge-offs to loans | 1.3387% | 785 |
| Credit loss provision to net charge-offs | 0.3831% | 4,806 |
| Earnings coverage of net charge-offs (x) | 0.0907% | 5,035 |
| Efficiency ratio | 97.7978% | 629 |
| Assets per employee ($millions) | 4.9611% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5596% | 1,195 |
| Loan loss allowance to noncurrent loans | 32.1690% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 6.5836% | 621 |
| Noncurrent loans to loans | 7.9566% | 441 |
| Net loans and leases to total assets | 65.4737% | 2,776 |
| Net loans and leases to deposits | 70.1592% | 3,865 |
| Net loans and leases to core deposits | 72.9249% | 4,176 |
| Total domestic deposits to total assets | 93.3216% | 106 |
| Equity capital to assets | 6.4787% | 6,983 |
| Core capital (leverage) ratio | 6.6012% | 6,907 |
| Tier 1 risk-based capital ratio | 9.8443% | 6,863 |
| Total risk-based capital ratio | 11.1109% | 6,851 |
| Memoranda: | ||
| Average total assets | $160,264,330 | 3,657 |
| Average earning assets | $152,087,000 | 3,559 |
| Average equity | $10,901,330 | 4,832 |
| Average total loans | $116,982,670 | 3,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 3,067 |
| Cost of funding earning assets | 0.6232% | 4,942 |
| Net interest margin | 4.0735% | 2,202 |
| Noninterest income to average assets | 0.3793% | 4,829 |
| Noninterest expense to average assets | 4.1010% | 827 |
| Loan and lease loss provision to assets | 0.0051% | 5,212 |
| Net operating income to assets | 0.1435% | 6,134 |
| Return on assets (ROA) | 0.1435% | 6,262 |
| Pretax return on assets | 0.1435% | 6,312 |
| Return on Equity (ROE) | 2.0573% | 6,059 |
| Retained earnings to average equity (ytd only) | 2.0573% | 5,242 |
| Net charge-offs to loans | 2.7238% | 285 |
| Credit loss provision to net charge-offs | 0.2472% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.0717% | 4,332 |
| Efficiency ratio | 96.5018% | 695 |
| Assets per employee ($millions) | 4.5194% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4422% | 1,438 |
| Loan loss allowance to noncurrent loans | 29.1185% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 7.5978% | 526 |
| Noncurrent loans to loans | 8.3872% | 439 |
| Net loans and leases to total assets | 72.5796% | 1,303 |
| Net loans and leases to deposits | 78.0795% | 2,492 |
| Net loans and leases to core deposits | 81.6519% | 2,878 |
| Total domestic deposits to total assets | 92.9560% | 145 |
| Equity capital to assets | 6.9011% | 6,952 |
| Core capital (leverage) ratio | 6.9019% | 6,877 |
| Tier 1 risk-based capital ratio | 9.4821% | 6,970 |
| Total risk-based capital ratio | 10.7477% | 6,961 |
| Memoranda: | ||
| Average total assets | $156,058,000 | 3,761 |
| Average earning assets | $148,275,000 | 3,653 |
| Average equity | $10,888,000 | 4,842 |
| Average total loans | $118,804,000 | 3,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 1,682 |
| Cost of funding earning assets | 0.7469% | 5,233 |
| Net interest margin | 4.5587% | 999 |
| Noninterest income to average assets | 0.0462% | 6,850 |
| Noninterest expense to average assets | 4.0659% | 940 |
| Loan and lease loss provision to assets | 0.0038% | 6,471 |
| Net operating income to assets | 0.2483% | 5,429 |
| Return on assets (ROA) | 0.2483% | 5,574 |
| Pretax return on assets | 0.2483% | 5,674 |
| Return on Equity (ROE) | 3.6619% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.6619% | 3,606 |
| Net charge-offs to loans | 1.7669% | 844 |
| Credit loss provision to net charge-offs | 0.2608% | 6,065 |
| Earnings coverage of net charge-offs (x) | 0.1708% | 5,710 |
| Efficiency ratio | 94.1613% | 910 |
| Assets per employee ($millions) | 4.6648% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0693% | 764 |
| Loan loss allowance to noncurrent loans | 29.6305% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 9.5889% | 358 |
| Noncurrent loans to loans | 10.3586% | 293 |
| Net loans and leases to total assets | 75.5161% | 1,019 |
| Net loans and leases to deposits | 81.3760% | 2,296 |
| Net loans and leases to core deposits | 85.5249% | 2,701 |
| Total domestic deposits to total assets | 92.7990% | 148 |
| Equity capital to assets | 7.0548% | 6,949 |
| Core capital (leverage) ratio | 6.9021% | 6,895 |
| Tier 1 risk-based capital ratio | 9.1466% | 7,016 |
| Total risk-based capital ratio | 10.4193% | 7,011 |
| Memoranda: | ||
| Average total assets | $155,882,200 | 3,706 |
| Average earning assets | $146,072,200 | 3,634 |
| Average equity | $10,568,200 | 4,890 |
| Average total loans | $130,226,200 | 2,976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4101% | 1,483 |
| Cost of funding earning assets | 0.7669% | 5,354 |
| Net interest margin | 4.6432% | 863 |
| Noninterest income to average assets | 0.0205% | 7,044 |
| Noninterest expense to average assets | 4.1934% | 803 |
| Loan and lease loss provision to assets | 0.0034% | 6,373 |
| Net operating income to assets | 0.1552% | 5,818 |
| Return on assets (ROA) | 0.1552% | 5,939 |
| Pretax return on assets | 0.1552% | 5,991 |
| Return on Equity (ROE) | 2.3121% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.3121% | 4,962 |
| Net charge-offs to loans | 1.5522% | 921 |
| Credit loss provision to net charge-offs | 0.2587% | 5,733 |
| Earnings coverage of net charge-offs (x) | 0.1203% | 5,511 |
| Efficiency ratio | 96.3558% | 800 |
| Assets per employee ($millions) | 4.3894% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4876% | 568 |
| Loan loss allowance to noncurrent loans | 33.6419% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 10.3385% | 340 |
| Noncurrent loans to loans | 10.3669% | 333 |
| Net loans and leases to total assets | 79.8685% | 531 |
| Net loans and leases to deposits | 86.0867% | 1,681 |
| Net loans and leases to core deposits | 90.5015% | 2,189 |
| Total domestic deposits to total assets | 92.7768% | 147 |
| Equity capital to assets | 6.9355% | 7,067 |
| Core capital (leverage) ratio | 6.7719% | 7,015 |
| Tier 1 risk-based capital ratio | 8.4801% | 7,154 |
| Total risk-based capital ratio | 9.7583% | 7,157 |
| Memoranda: | ||
| Average total assets | $156,368,250 | 3,720 |
| Average earning assets | $145,871,750 | 3,664 |
| Average equity | $10,495,250 | 4,923 |
| Average total loans | $132,800,500 | 2,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 1,397 |
| Cost of funding earning assets | 0.7885% | 5,454 |
| Net interest margin | 4.6668% | 789 |
| Noninterest income to average assets | -0.1653% | 7,325 |
| Noninterest expense to average assets | 4.3260% | 727 |
| Loan and lease loss provision to assets | 0.0038% | 6,196 |
| Net operating income to assets | -0.1526% | 6,417 |
| Return on assets (ROA) | -0.1526% | 6,462 |
| Pretax return on assets | -0.1526% | 6,415 |
| Return on Equity (ROE) | -2.2984% | 6,544 |
| Retained earnings to average equity (ytd only) | -2.2984% | 6,294 |
| Net charge-offs to loans | 1.5250% | 971 |
| Credit loss provision to net charge-offs | 0.2921% | 5,334 |
| Earnings coverage of net charge-offs (x) | -0.1139% | 5,354 |
| Efficiency ratio | 103.5616% | 622 |
| Assets per employee ($millions) | 4.3366% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7586% | 487 |
| Loan loss allowance to noncurrent loans | 34.4583% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 10.7836% | 330 |
| Noncurrent loans to loans | 10.9077% | 324 |
| Net loans and leases to total assets | 81.2205% | 430 |
| Net loans and leases to deposits | 87.2154% | 1,623 |
| Net loans and leases to core deposits | 91.2591% | 2,223 |
| Total domestic deposits to total assets | 93.1263% | 127 |
| Equity capital to assets | 6.6316% | 7,163 |
| Core capital (leverage) ratio | 6.6373% | 7,091 |
| Tier 1 risk-based capital ratio | 8.0511% | 7,243 |
| Total risk-based capital ratio | 9.3335% | 7,244 |
| Memoranda: | ||
| Average total assets | $157,281,000 | 3,727 |
| Average earning assets | $146,353,330 | 3,681 |
| Average equity | $10,442,000 | 4,939 |
| Average total loans | $134,688,670 | 2,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 1,374 |
| Cost of funding earning assets | 0.8295% | 5,397 |
| Net interest margin | 4.6426% | 795 |
| Noninterest income to average assets | 0.5017% | 3,868 |
| Noninterest expense to average assets | 4.7560% | 448 |
| Loan and lease loss provision to assets | 0.0025% | 5,825 |
| Net operating income to assets | 0.0684% | 6,180 |
| Return on assets (ROA) | 0.0684% | 6,231 |
| Pretax return on assets | 0.0684% | 6,240 |
| Return on Equity (ROE) | 1.0299% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.0299% | 5,413 |
| Net charge-offs to loans | 2.6851% | 410 |
| Credit loss provision to net charge-offs | 0.1094% | 4,477 |
| Earnings coverage of net charge-offs (x) | 0.0306% | 4,559 |
| Efficiency ratio | 98.5302% | 806 |
| Assets per employee ($millions) | 4.6505% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7855% | 494 |
| Loan loss allowance to noncurrent loans | 39.6104% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 10.2209% | 396 |
| Noncurrent loans to loans | 9.5568% | 438 |
| Net loans and leases to total assets | 81.3859% | 402 |
| Net loans and leases to deposits | 87.3483% | 1,543 |
| Net loans and leases to core deposits | 91.6286% | 2,165 |
| Total domestic deposits to total assets | 93.1740% | 123 |
| Equity capital to assets | 6.6407% | 7,176 |
| Core capital (leverage) ratio | 6.4494% | 7,177 |
| Tier 1 risk-based capital ratio | 7.9611% | 7,294 |
| Total risk-based capital ratio | 9.2432% | 7,297 |
| Memoranda: | ||
| Average total assets | $157,863,000 | 3,741 |
| Average earning assets | $147,072,500 | 3,695 |
| Average equity | $10,486,500 | 4,921 |
| Average total loans | $136,157,500 | 2,964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3212% | 3,024 |
| Cost of funding earning assets | 0.9965% | 5,717 |
| Net interest margin | 4.3247% | 1,732 |
| Noninterest income to average assets | 0.0336% | 7,183 |
| Noninterest expense to average assets | 3.5688% | 2,007 |
| Loan and lease loss provision to assets | 1.9952% | 661 |
| Net operating income to assets | -1.5174% | 6,915 |
| Return on assets (ROA) | -1.5174% | 6,928 |
| Pretax return on assets | -1.4782% | 6,851 |
| Return on Equity (ROE) | -24.0160% | 7,110 |
| Retained earnings to average equity (ytd only) | -24.0160% | 7,089 |
| Net charge-offs to loans | 3.6884% | 372 |
| Credit loss provision to net charge-offs | 63.3532% | 6,022 |
| Earnings coverage of net charge-offs (x) | 0.1642% | 5,947 |
| Efficiency ratio | 87.3466% | 1,536 |
| Assets per employee ($millions) | 4.6356% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3127% | 305 |
| Loan loss allowance to noncurrent loans | 43.8928% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 10.8078% | 359 |
| Noncurrent loans to loans | 9.8256% | 437 |
| Net loans and leases to total assets | 84.1265% | 296 |
| Net loans and leases to deposits | 90.2649% | 1,487 |
| Net loans and leases to core deposits | 99.4487% | 1,661 |
| Total domestic deposits to total assets | 93.1996% | 129 |
| Equity capital to assets | 6.6449% | 7,224 |
| Core capital (leverage) ratio | 6.0954% | 7,283 |
| Tier 1 risk-based capital ratio | 7.7387% | 7,368 |
| Total risk-based capital ratio | 9.0282% | 7,369 |
| Memoranda: | ||
| Average total assets | $181,433,600 | 3,354 |
| Average earning assets | $169,999,200 | 3,279 |
| Average equity | $11,463,200 | 4,745 |
| Average total loans | $154,919,600 | 2,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 3,552 |
| Cost of funding earning assets | 1.0303% | 5,797 |
| Net interest margin | 4.2251% | 2,126 |
| Noninterest income to average assets | 0.1160% | 6,970 |
| Noninterest expense to average assets | 3.3832% | 2,346 |
| Loan and lease loss provision to assets | 2.5757% | 397 |
| Net operating income to assets | -1.9367% | 7,222 |
| Return on assets (ROA) | -1.9367% | 7,238 |
| Pretax return on assets | -1.8862% | 7,164 |
| Return on Equity (ROE) | -30.9907% | 7,402 |
| Retained earnings to average equity (ytd only) | -30.9907% | 7,395 |
| Net charge-offs to loans | 4.2898% | 260 |
| Credit loss provision to net charge-offs | 70.7584% | 5,395 |
| Earnings coverage of net charge-offs (x) | 0.1894% | 5,825 |
| Efficiency ratio | 83.0713% | 1,942 |
| Assets per employee ($millions) | 4.8870% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4784% | 254 |
| Loan loss allowance to noncurrent loans | 33.4300% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 13.3426% | 211 |
| Noncurrent loans to loans | 13.3964% | 214 |
| Net loans and leases to total assets | 81.9774% | 496 |
| Net loans and leases to deposits | 87.4931% | 2,079 |
| Net loans and leases to core deposits | 95.5574% | 2,313 |
| Total domestic deposits to total assets | 93.6958% | 75 |
| Equity capital to assets | 6.1428% | 7,469 |
| Core capital (leverage) ratio | 5.6695% | 7,475 |
| Tier 1 risk-based capital ratio | 7.2572% | 7,533 |
| Total risk-based capital ratio | 8.5477% | 7,535 |
| Memoranda: | ||
| Average total assets | $187,389,750 | 3,311 |
| Average earning assets | $175,486,500 | 3,223 |
| Average equity | $11,710,750 | 4,760 |
| Average total loans | $159,007,750 | 2,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 4,046 |
| Cost of funding earning assets | 1.0722% | 5,814 |
| Net interest margin | 4.1079% | 2,520 |
| Noninterest income to average assets | 0.0653% | 7,256 |
| Noninterest expense to average assets | 3.4049% | 2,251 |
| Loan and lease loss provision to assets | 2.7194% | 391 |
| Net operating income to assets | -2.2745% | 7,368 |
| Return on assets (ROA) | -2.2745% | 7,379 |
| Pretax return on assets | -2.2008% | 7,293 |
| Return on Equity (ROE) | -36.2120% | 7,500 |
| Retained earnings to average equity (ytd only) | -36.2120% | 7,490 |
| Net charge-offs to loans | 2.0272% | 897 |
| Credit loss provision to net charge-offs | 158.6207% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.3025% | 5,423 |
| Efficiency ratio | 86.7830% | 1,622 |
| Assets per employee ($millions) | 5.2728% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8901% | 110 |
| Loan loss allowance to noncurrent loans | 43.0080% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 13.1116% | 214 |
| Noncurrent loans to loans | 13.6954% | 207 |
| Net loans and leases to total assets | 78.2570% | 1,072 |
| Net loans and leases to deposits | 84.6577% | 2,758 |
| Net loans and leases to core deposits | 98.2743% | 2,199 |
| Total domestic deposits to total assets | 92.4393% | 157 |
| Equity capital to assets | 5.9817% | 7,544 |
| Core capital (leverage) ratio | 5.6268% | 7,536 |
| Tier 1 risk-based capital ratio | 7.2799% | 7,578 |
| Total risk-based capital ratio | 8.5883% | 7,580 |
| Memoranda: | ||
| Average total assets | $192,837,670 | 3,261 |
| Average earning assets | $181,116,000 | 3,182 |
| Average equity | $12,112,000 | 4,650 |
| Average total loans | $163,079,330 | 2,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 3,694 |
| Cost of funding earning assets | 1.0919% | 5,950 |
| Net interest margin | 4.1764% | 2,137 |
| Noninterest income to average assets | -0.1645% | 7,789 |
| Noninterest expense to average assets | 3.5374% | 1,895 |
| Loan and lease loss provision to assets | 2.5789% | 406 |
| Net operating income to assets | -2.3352% | 7,524 |
| Return on assets (ROA) | -2.3352% | 7,531 |
| Pretax return on assets | -2.3352% | 7,485 |
| Return on Equity (ROE) | -36.3679% | 7,626 |
| Retained earnings to average equity (ytd only) | -36.3679% | 7,608 |
| Net charge-offs to loans | 2.4778% | 664 |
| Credit loss provision to net charge-offs | 122.1154% | 2,866 |
| Earnings coverage of net charge-offs (x) | 0.1154% | 4,929 |
| Efficiency ratio | 93.5553% | 1,165 |
| Assets per employee ($millions) | 5.7150% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0879% | 163 |
| Loan loss allowance to noncurrent loans | 41.2833% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 11.4251% | 301 |
| Noncurrent loans to loans | 12.3244% | 271 |
| Net loans and leases to total assets | 79.6834% | 878 |
| Net loans and leases to deposits | 86.8033% | 2,451 |
| Net loans and leases to core deposits | 105.2234% | 1,641 |
| Total domestic deposits to total assets | 91.7976% | 288 |
| Equity capital to assets | 6.2179% | 7,587 |
| Core capital (leverage) ratio | 5.9690% | 7,586 |
| Tier 1 risk-based capital ratio | 7.4055% | 7,668 |
| Total risk-based capital ratio | 8.7030% | 7,669 |
| Memoranda: | ||
| Average total assets | $196,983,000 | 3,258 |
| Average earning assets | $186,093,500 | 3,176 |
| Average equity | $12,648,500 | 4,553 |
| Average total loans | $167,889,000 | 2,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 5,546 |
| Cost of funding earning assets | 1.4287% | 5,814 |
| Net interest margin | 3.7928% | 3,741 |
| Noninterest income to average assets | -0.1472% | 7,832 |
| Noninterest expense to average assets | 2.7049% | 5,366 |
| Loan and lease loss provision to assets | 3.9979% | 339 |
| Net operating income to assets | -3.5278% | 7,512 |
| Return on assets (ROA) | -3.5278% | 7,518 |
| Pretax return on assets | -3.2876% | 7,366 |
| Return on Equity (ROE) | -47.5857% | 7,659 |
| Retained earnings to average equity (ytd only) | -47.5857% | 7,651 |
| Net charge-offs to loans | 4.8773% | 279 |
| Credit loss provision to net charge-offs | 97.1495% | 5,720 |
| Earnings coverage of net charge-offs (x) | 0.1726% | 5,982 |
| Efficiency ratio | 79.2015% | 3,008 |
| Assets per employee ($millions) | 6.4405% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6743% | 213 |
| Loan loss allowance to noncurrent loans | 40.1592% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 11.1201% | 295 |
| Noncurrent loans to loans | 11.6394% | 298 |
| Net loans and leases to total assets | 82.4294% | 623 |
| Net loans and leases to deposits | 90.1969% | 2,188 |
| Net loans and leases to core deposits | 104.9960% | 3,452 |
| Total domestic deposits to total assets | 91.3882% | 407 |
| Equity capital to assets | 6.6189% | 7,529 |
| Core capital (leverage) ratio | 6.0083% | 7,633 |
| Tier 1 risk-based capital ratio | 7.6311% | 7,687 |
| Total risk-based capital ratio | 8.9230% | 7,693 |
| Memoranda: | ||
| Average total assets | $231,022,400 | 2,808 |
| Average earning assets | $216,987,400 | 2,744 |
| Average equity | $17,127,000 | 3,649 |
| Average total loans | $194,925,400 | 2,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 5,895 |
| Cost of funding earning assets | 1.4813% | 5,905 |
| Net interest margin | 3.7146% | 4,010 |
| Noninterest income to average assets | 0.2568% | 6,399 |
| Noninterest expense to average assets | 2.6687% | 5,462 |
| Loan and lease loss provision to assets | 3.7873% | 330 |
| Net operating income to assets | -2.6815% | 7,507 |
| Return on assets (ROA) | -2.6815% | 7,517 |
| Pretax return on assets | -2.7167% | 7,423 |
| Return on Equity (ROE) | -35.3779% | 7,705 |
| Retained earnings to average equity (ytd only) | -35.3779% | 7,696 |
| Net charge-offs to loans | 4.2999% | 307 |
| Credit loss provision to net charge-offs | 104.9335% | 4,841 |
| Earnings coverage of net charge-offs (x) | 0.2966% | 5,723 |
| Efficiency ratio | 71.3689% | 4,355 |
| Assets per employee ($millions) | 7.5658% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7337% | 168 |
| Loan loss allowance to noncurrent loans | 46.9937% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 9.3980% | 391 |
| Noncurrent loans to loans | 10.0730% | 391 |
| Net loans and leases to total assets | 76.7867% | 1,824 |
| Net loans and leases to deposits | 84.4408% | 3,582 |
| Net loans and leases to core deposits | 101.2902% | 4,235 |
| Total domestic deposits to total assets | 90.9355% | 441 |
| Equity capital to assets | 7.3017% | 7,427 |
| Core capital (leverage) ratio | 6.9520% | 7,462 |
| Tier 1 risk-based capital ratio | 9.0803% | 7,589 |
| Total risk-based capital ratio | 10.3733% | 7,581 |
| Memoranda: | ||
| Average total assets | $238,863,750 | 2,746 |
| Average earning assets | $223,937,250 | 2,691 |
| Average equity | $18,105,000 | 3,516 |
| Average total loans | $200,495,250 | 2,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 6,083 |
| Cost of funding earning assets | 1.5374% | 5,990 |
| Net interest margin | 3.6606% | 4,120 |
| Noninterest income to average assets | 0.2249% | 6,683 |
| Noninterest expense to average assets | 2.5986% | 5,747 |
| Loan and lease loss provision to assets | 2.4931% | 629 |
| Net operating income to assets | -0.9447% | 6,928 |
| Return on assets (ROA) | -0.9447% | 6,935 |
| Pretax return on assets | -1.4290% | 7,055 |
| Return on Equity (ROE) | -12.3230% | 7,191 |
| Retained earnings to average equity (ytd only) | -12.3230% | 7,075 |
| Net charge-offs to loans | 2.5675% | 665 |
| Credit loss provision to net charge-offs | 114.2695% | 4,057 |
| Earnings coverage of net charge-offs (x) | 0.4877% | 5,215 |
| Efficiency ratio | 70.9467% | 4,599 |
| Assets per employee ($millions) | 7.8225% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4196% | 182 |
| Loan loss allowance to noncurrent loans | 40.3471% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 10.1746% | 276 |
| Noncurrent loans to loans | 10.9539% | 280 |
| Net loans and leases to total assets | 77.7592% | 1,805 |
| Net loans and leases to deposits | 86.4151% | 3,473 |
| Net loans and leases to core deposits | 103.8960% | 4,076 |
| Total domestic deposits to total assets | 89.9833% | 838 |
| Equity capital to assets | 8.3032% | 6,326 |
| Core capital (leverage) ratio | 8.0261% | 6,279 |
| Tier 1 risk-based capital ratio | 10.1772% | 6,738 |
| Total risk-based capital ratio | 11.4677% | 6,622 |
| Memoranda: | ||
| Average total assets | $242,827,330 | 2,726 |
| Average earning assets | $228,049,670 | 2,653 |
| Average equity | $18,615,670 | 3,448 |
| Average total loans | $206,345,330 | 2,278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 6,333 |
| Cost of funding earning assets | 1.6175% | 5,955 |
| Net interest margin | 3.5728% | 4,439 |
| Noninterest income to average assets | 0.2124% | 6,777 |
| Noninterest expense to average assets | 2.4676% | 5,968 |
| Loan and lease loss provision to assets | 4.5664% | 197 |
| Net operating income to assets | -2.2848% | 7,722 |
| Return on assets (ROA) | -2.2848% | 7,721 |
| Pretax return on assets | -3.4618% | 7,831 |
| Return on Equity (ROE) | -31.0932% | 7,915 |
| Retained earnings to average equity (ytd only) | -31.0932% | 7,869 |
| Net charge-offs to loans | 4.1105% | 291 |
| Credit loss provision to net charge-offs | 128.0111% | 3,120 |
| Earnings coverage of net charge-offs (x) | 0.3096% | 4,730 |
| Efficiency ratio | 69.0783% | 4,764 |
| Assets per employee ($millions) | 4.8818% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2972% | 165 |
| Loan loss allowance to noncurrent loans | 55.8412% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 7.3459% | 442 |
| Noncurrent loans to loans | 7.6953% | 484 |
| Net loans and leases to total assets | 83.3099% | 807 |
| Net loans and leases to deposits | 91.8583% | 2,623 |
| Net loans and leases to core deposits | 120.6087% | 2,360 |
| Total domestic deposits to total assets | 90.6938% | 519 |
| Equity capital to assets | 7.6478% | 7,224 |
| Core capital (leverage) ratio | 7.8797% | 6,652 |
| Tier 1 risk-based capital ratio | 8.9371% | 7,825 |
| Total risk-based capital ratio | 10.2258% | 7,838 |
| Memoranda: | ||
| Average total assets | $242,993,000 | 2,735 |
| Average earning assets | $228,502,500 | 2,660 |
| Average equity | $17,856,000 | 3,582 |
| Average total loans | $210,877,000 | 2,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3909% | 3,466 |
| Cost of funding earning assets | 2.1016% | 6,045 |
| Net interest margin | 4.2893% | 2,017 |
| Noninterest income to average assets | 0.3214% | 6,152 |
| Noninterest expense to average assets | 2.2658% | 6,801 |
| Loan and lease loss provision to assets | 2.5299% | 409 |
| Net operating income to assets | -0.3273% | 6,756 |
| Return on assets (ROA) | -0.3273% | 6,627 |
| Pretax return on assets | -0.4885% | 6,645 |
| Return on Equity (ROE) | -4.1432% | 6,767 |
| Retained earnings to average equity (ytd only) | -5.4954% | 6,584 |
| Net charge-offs to loans | 0.4724% | 2,470 |
| Credit loss provision to net charge-offs | 592.0000% | 736 |
| Earnings coverage of net charge-offs (x) | 4.7770% | 3,862 |
| Efficiency ratio | 52.6044% | 7,418 |
| Assets per employee ($millions) | 4.9356% | 2,014 |
| Cash dividends to net income (ytd only)* | -32.6371% | 8,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9064% | 204 |
| Loan loss allowance to noncurrent loans | 65.0218% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 5.5309% | 583 |
| Noncurrent loans to loans | 6.0078% | 589 |
| Net loans and leases to total assets | 83.1440% | 1,022 |
| Net loans and leases to deposits | 91.0989% | 3,274 |
| Net loans and leases to core deposits | 105.3388% | 4,263 |
| Total domestic deposits to total assets | 91.2679% | 258 |
| Equity capital to assets | 7.0581% | 7,706 |
| Core capital (leverage) ratio | 7.3683% | 7,341 |
| Tier 1 risk-based capital ratio | 8.3027% | 8,036 |
| Total risk-based capital ratio | 9.5856% | 8,069 |
| Memoranda: | ||
| Average total assets | $234,002,000 | 2,713 |
| Average earning assets | $217,450,600 | 2,684 |
| Average equity | $18,488,200 | 3,477 |
| Average total loans | $211,692,800 | 2,192 |