Home > Community 1st Bank Las Vegas > Performance and Condition Ratios
Community 1st Bank Las Vegas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 3,902 |
| Cost of funding earning assets | 0.6878% | 4,200 |
| Net interest margin | 3.8077% | 1,666 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.1892% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0890% | 398 |
| Return on assets (ROA) | 2.0890% | 406 |
| Pretax return on assets | 2.0890% | 594 |
| Return on Equity (ROE) | 30.4000% | 105 |
| Retained earnings to average equity (ytd only) | 30.3972% | 41 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.1717% | 3,813 |
| Assets per employee ($millions) | 8.0756% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,175 |
| Loan loss allowance to noncurrent loans | 66,300.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,802 |
| Noncurrent loans to loans | 0.0022% | 3,762 |
| Net loans and leases to total assets | 31.1800% | 4,179 |
| Net loans and leases to deposits | 33.8048% | 4,217 |
| Net loans and leases to core deposits | 37.7365% | 4,197 |
| Total domestic deposits to total assets | 92.2500% | 233 |
| Equity capital to assets | 7.4218% | 3,888 |
| Core capital (leverage) ratio | 8.5916% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1017% | 507 |
| Memoranda: | ||
| Average total assets | $291,242,000 | 2,521 |
| Average earning assets | $275,650,000 | 2,496 |
| Average equity | $20,015,000 | 3,000 |
| Average total loans | $90,283,000 | 3,319 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 3,651 |
| Cost of funding earning assets | 0.7061% | 4,227 |
| Net interest margin | 3.9601% | 1,243 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.0443% | 3,505 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.8714% | 493 |
| Return on assets (ROA) | 1.8714% | 489 |
| Pretax return on assets | 1.8714% | 743 |
| Return on Equity (ROE) | 29.9700% | 106 |
| Retained earnings to average equity (ytd only) | 26.1481% | 27 |
| Net charge-offs to loans | -0.0069% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 51.0022% | 3,932 |
| Assets per employee ($millions) | 8.5812% | 1,230 |
| Cash dividends to net income (ytd only)* | 12.7669% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,029 |
| Loan loss allowance to noncurrent loans | 44,200.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,800 |
| Noncurrent loans to loans | 0.0034% | 3,750 |
| Net loans and leases to total assets | 29.9100% | 4,222 |
| Net loans and leases to deposits | 31.9865% | 4,265 |
| Net loans and leases to core deposits | 35.2161% | 4,249 |
| Total domestic deposits to total assets | 93.5000% | 131 |
| Equity capital to assets | 6.3247% | 4,135 |
| Core capital (leverage) ratio | 8.6816% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8425% | 597 |
| Memoranda: | ||
| Average total assets | $237,733,000 | 2,772 |
| Average earning assets | $224,740,800 | 2,750 |
| Average equity | $14,842,400 | 3,341 |
| Average total loans | $87,207,000 | 3,341 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 3,548 |
| Cost of funding earning assets | 0.6944% | 4,261 |
| Net interest margin | 4.0071% | 1,138 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 2.1531% | 3,205 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.8249% | 569 |
| Return on assets (ROA) | 1.8249% | 570 |
| Pretax return on assets | 1.8249% | 844 |
| Return on Equity (ROE) | 29.3500% | 117 |
| Retained earnings to average equity (ytd only) | 23.9214% | 56 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 53.5651% | 3,765 |
| Assets per employee ($millions) | 7.1216% | 2,056 |
| Cash dividends to net income (ytd only)* | 18.5077% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 1,909 |
| Loan loss allowance to noncurrent loans | 23,400.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,820 |
| Noncurrent loans to loans | 0.0054% | 3,765 |
| Net loans and leases to total assets | 35.8700% | 4,141 |
| Net loans and leases to deposits | 38.5444% | 4,219 |
| Net loans and leases to core deposits | 42.7453% | 4,191 |
| Total domestic deposits to total assets | 93.0700% | 92 |
| Equity capital to assets | 6.6238% | 4,213 |
| Core capital (leverage) ratio | 8.2425% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8071% | 816 |
| Memoranda: | ||
| Average total assets | $224,226,000 | 2,843 |
| Average earning assets | $211,584,500 | 2,818 |
| Average equity | $13,939,750 | 3,425 |
| Average total loans | $86,863,500 | 3,351 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 3,670 |
| Cost of funding earning assets | 0.6398% | 4,288 |
| Net interest margin | 3.9272% | 1,221 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.2322% | 2,993 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.6758% | 711 |
| Return on assets (ROA) | 1.6758% | 708 |
| Pretax return on assets | 1.6758% | 1,014 |
| Return on Equity (ROE) | 27.6800% | 161 |
| Retained earnings to average equity (ytd only) | 18.8926% | 153 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.8464% | 3,503 |
| Assets per employee ($millions) | 6.9890% | 2,081 |
| Cash dividends to net income (ytd only)* | 31.7496% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 1,898 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,798 |
| Noncurrent loans to loans | 0.0079% | 3,729 |
| Net loans and leases to total assets | 36.7400% | 4,130 |
| Net loans and leases to deposits | 39.0954% | 4,215 |
| Net loans and leases to core deposits | 43.2302% | 4,179 |
| Total domestic deposits to total assets | 93.9800% | 89 |
| Equity capital to assets | 5.7258% | 4,268 |
| Core capital (leverage) ratio | 8.4970% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8141% | 801 |
| Memoranda: | ||
| Average total assets | $213,508,333 | 2,910 |
| Average earning assets | $201,617,000 | 2,883 |
| Average equity | $12,925,667 | 3,513 |
| Average total loans | $84,769,667 | 3,378 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 3,818 |
| Cost of funding earning assets | 0.5924% | 4,319 |
| Net interest margin | 3.8171% | 1,342 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.3331% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5547% | 823 |
| Return on assets (ROA) | 1.5547% | 833 |
| Pretax return on assets | 1.5547% | 1,167 |
| Return on Equity (ROE) | 24.8900% | 235 |
| Retained earnings to average equity (ytd only) | 24.8858% | 98 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.0102% | 3,264 |
| Assets per employee ($millions) | 5.8267% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,006 |
| Loan loss allowance to noncurrent loans | 13,750.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,823 |
| Noncurrent loans to loans | 0.0091% | 3,730 |
| Net loans and leases to total assets | 42.6200% | 3,942 |
| Net loans and leases to deposits | 45.6162% | 4,048 |
| Net loans and leases to core deposits | 50.1402% | 4,073 |
| Total domestic deposits to total assets | 93.4300% | 153 |
| Equity capital to assets | 6.2785% | 4,143 |
| Core capital (leverage) ratio | 9.1069% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4431% | 748 |
| Memoranda: | ||
| Average total assets | $201,449,000 | 2,989 |
| Average earning assets | $190,404,500 | 2,959 |
| Average equity | $12,585,500 | 3,545 |
| Average total loans | $82,938,000 | 3,402 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 4,033 |
| Cost of funding earning assets | 0.3244% | 4,359 |
| Net interest margin | 3.6225% | 1,929 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5364% | 2,203 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1214% | 1,854 |
| Return on assets (ROA) | 1.1214% | 1,830 |
| Pretax return on assets | 1.1214% | 2,349 |
| Return on Equity (ROE) | 19.1600% | 690 |
| Retained earnings to average equity (ytd only) | 9.9745% | 1,021 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.9713% | 2,014 |
| Assets per employee ($millions) | 5.8519% | 2,940 |
| Cash dividends to net income (ytd only)* | 47.9479% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,348 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,775 |
| Noncurrent loans to loans | 0.0128% | 3,661 |
| Net loans and leases to total assets | 38.5800% | 4,081 |
| Net loans and leases to deposits | 41.2280% | 4,169 |
| Net loans and leases to core deposits | 44.5668% | 4,189 |
| Total domestic deposits to total assets | 93.5700% | 135 |
| Equity capital to assets | 6.2157% | 4,190 |
| Core capital (leverage) ratio | 9.0616% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9817% | 692 |
| Memoranda: | ||
| Average total assets | $178,167,600 | 3,139 |
| Average earning assets | $167,067,200 | 3,123 |
| Average equity | $10,426,600 | 3,673 |
| Average total loans | $73,010,200 | 3,510 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 4,040 |
| Cost of funding earning assets | 0.2488% | 4,403 |
| Net interest margin | 3.6214% | 1,944 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5129% | 2,195 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.1431% | 1,932 |
| Return on assets (ROA) | 1.1431% | 1,918 |
| Pretax return on assets | 1.1431% | 2,448 |
| Return on Equity (ROE) | 19.8900% | 734 |
| Retained earnings to average equity (ytd only) | 13.1835% | 787 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.2294% | 1,991 |
| Assets per employee ($millions) | 4.6459% | 3,857 |
| Cash dividends to net income (ytd only)* | 33.7154% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,281 |
| Loan loss allowance to noncurrent loans | 9,166.6667% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,793 |
| Noncurrent loans to loans | 0.0157% | 3,675 |
| Net loans and leases to total assets | 42.5800% | 3,971 |
| Net loans and leases to deposits | 45.2634% | 4,073 |
| Net loans and leases to core deposits | 47.9478% | 4,085 |
| Total domestic deposits to total assets | 94.0700% | 184 |
| Equity capital to assets | 5.5957% | 4,109 |
| Core capital (leverage) ratio | 9.9364% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0796% | 621 |
| Memoranda: | ||
| Average total assets | $172,968,750 | 3,186 |
| Average earning assets | $161,811,500 | 3,166 |
| Average equity | $9,941,500 | 3,730 |
| Average total loans | $71,798,500 | 3,530 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,048 |
| Cost of funding earning assets | 0.1906% | 4,439 |
| Net interest margin | 3.5902% | 2,058 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.4695% | 2,293 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1515% | 1,961 |
| Return on assets (ROA) | 1.1515% | 1,960 |
| Pretax return on assets | 1.1515% | 2,503 |
| Return on Equity (ROE) | 19.8500% | 721 |
| Retained earnings to average equity (ytd only) | 9.8170% | 1,460 |
| Net charge-offs to loans | 0.0228% | 1,425 |
| Credit loss provision to net charge-offs | 437.5000% | 701 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 813 |
| Efficiency ratio | 67.4404% | 2,056 |
| Assets per employee ($millions) | 4.5767% | 3,898 |
| Cash dividends to net income (ytd only)* | 50.5561% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,215 |
| Loan loss allowance to noncurrent loans | 6,825.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,755 |
| Noncurrent loans to loans | 0.0218% | 3,604 |
| Net loans and leases to total assets | 42.6900% | 3,937 |
| Net loans and leases to deposits | 45.5380% | 4,055 |
| Net loans and leases to core deposits | 48.2643% | 4,060 |
| Total domestic deposits to total assets | 93.7600% | 167 |
| Equity capital to assets | 6.0005% | 4,151 |
| Core capital (leverage) ratio | 9.8018% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6741% | 579 |
| Memoranda: | ||
| Average total assets | $171,776,667 | 3,202 |
| Average earning assets | $160,547,000 | 3,188 |
| Average equity | $9,962,333 | 3,749 |
| Average total loans | $70,307,000 | 3,561 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 3,988 |
| Cost of funding earning assets | 0.1385% | 4,478 |
| Net interest margin | 3.5854% | 2,163 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.4764% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1700% | 2,027 |
| Return on assets (ROA) | 1.1700% | 1,990 |
| Pretax return on assets | 1.1700% | 2,513 |
| Return on Equity (ROE) | 20.5200% | 706 |
| Retained earnings to average equity (ytd only) | 0.2433% | 3,982 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9138% | 1,983 |
| Assets per employee ($millions) | 4.7615% | 3,829 |
| Cash dividends to net income (ytd only)* | 98.8142% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,312 |
| Loan loss allowance to noncurrent loans | 5,325.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,745 |
| Noncurrent loans to loans | 0.0280% | 3,567 |
| Net loans and leases to total assets | 41.1100% | 3,993 |
| Net loans and leases to deposits | 43.9642% | 4,101 |
| Net loans and leases to core deposits | 46.5578% | 4,093 |
| Total domestic deposits to total assets | 93.5100% | 230 |
| Equity capital to assets | 6.2452% | 4,124 |
| Core capital (leverage) ratio | 9.4974% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3084% | 628 |
| Memoranda: | ||
| Average total assets | $172,996,500 | 3,241 |
| Average earning assets | $161,767,000 | 3,221 |
| Average equity | $9,863,000 | 3,800 |
| Average total loans | $68,765,500 | 3,628 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1117% | 3,973 |
| Cost of funding earning assets | 0.1102% | 4,340 |
| Net interest margin | 3.0014% | 3,445 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2346% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8840% | 3,028 |
| Return on assets (ROA) | 0.8840% | 2,967 |
| Pretax return on assets | 0.8840% | 3,408 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 13.9693% | 391 |
| Net charge-offs to loans | -0.0035% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.6544% | 1,480 |
| Assets per employee ($millions) | 4.8494% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 953 |
| Loan loss allowance to noncurrent loans | 4,260.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,726 |
| Noncurrent loans to loans | 0.0379% | 3,508 |
| Net loans and leases to total assets | 37.1900% | 4,171 |
| Net loans and leases to deposits | 39.2967% | 4,267 |
| Net loans and leases to core deposits | 40.7402% | 4,261 |
| Total domestic deposits to total assets | 94.6500% | 176 |
| Equity capital to assets | 5.1673% | 4,320 |
| Core capital (leverage) ratio | 9.5166% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2917% | 604 |
| Memoranda: | ||
| Average total assets | $170,367,800 | 3,266 |
| Average earning assets | $158,757,000 | 3,258 |
| Average equity | $10,780,800 | 3,782 |
| Average total loans | $56,914,200 | 3,791 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9870% | 3,906 |
| Cost of funding earning assets | 0.1092% | 4,207 |
| Net interest margin | 2.8778% | 3,546 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.2199% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7701% | 3,354 |
| Return on assets (ROA) | 0.7701% | 3,311 |
| Pretax return on assets | 0.7701% | 3,650 |
| Return on Equity (ROE) | 11.6200% | 2,163 |
| Retained earnings to average equity (ytd only) | 11.6210% | 882 |
| Net charge-offs to loans | -0.0049% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2428% | 1,252 |
| Assets per employee ($millions) | 4.5082% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 873 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,779 |
| Noncurrent loans to loans | 0.0479% | 3,535 |
| Net loans and leases to total assets | 35.9000% | 4,232 |
| Net loans and leases to deposits | 37.7707% | 4,315 |
| Net loans and leases to core deposits | 39.1619% | 4,306 |
| Total domestic deposits to total assets | 95.0600% | 212 |
| Equity capital to assets | 4.6752% | 4,356 |
| Core capital (leverage) ratio | 9.2760% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5156% | 602 |
| Memoranda: | ||
| Average total assets | $169,314,750 | 3,303 |
| Average earning assets | $157,569,500 | 3,288 |
| Average equity | $11,220,750 | 3,787 |
| Average total loans | $54,643,250 | 3,847 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8515% | 3,887 |
| Cost of funding earning assets | 0.1084% | 4,099 |
| Net interest margin | 2.7431% | 3,594 |
| Noninterest income to average assets | 0.3095% | 3,306 |
| Noninterest expense to average assets | 2.1986% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6617% | 3,437 |
| Return on assets (ROA) | 0.6617% | 3,385 |
| Pretax return on assets | 0.6617% | 3,682 |
| Return on Equity (ROE) | 9.0796% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.0796% | 1,263 |
| Net charge-offs to loans | -0.0038% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8657% | 1,193 |
| Assets per employee ($millions) | 4.5389% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 654 |
| Loan loss allowance to noncurrent loans | 2,875.6757% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 1,169 |
| Noncurrent loans to loans | 0.0663% | 3,467 |
| Net loans and leases to total assets | 32.5962% | 4,381 |
| Net loans and leases to deposits | 34.6905% | 4,431 |
| Net loans and leases to core deposits | 36.0100% | 4,436 |
| Total domestic deposits to total assets | 93.9627% | 290 |
| Equity capital to assets | 5.8074% | 4,269 |
| Core capital (leverage) ratio | 9.3686% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5740% | 500 |
| Memoranda: | ||
| Average total assets | $168,649,667 | 3,346 |
| Average earning assets | $156,830,000 | 3,339 |
| Average equity | $12,291,333 | 3,761 |
| Average total loans | $52,000,000 | 3,926 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7237% | 3,893 |
| Cost of funding earning assets | 0.1094% | 4,028 |
| Net interest margin | 2.6144% | 3,621 |
| Noninterest income to average assets | 0.3314% | 3,114 |
| Noninterest expense to average assets | 2.1822% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5822% | 3,459 |
| Return on assets (ROA) | 0.5822% | 3,437 |
| Pretax return on assets | 0.5822% | 3,683 |
| Return on Equity (ROE) | 7.2564% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.2564% | 1,804 |
| Net charge-offs to loans | -0.0080% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9384% | 1,231 |
| Assets per employee ($millions) | 4.6843% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 555 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 1,238 |
| Noncurrent loans to loans | 0.0816% | 3,431 |
| Net loans and leases to total assets | 29.8909% | 4,449 |
| Net loans and leases to deposits | 32.2202% | 4,489 |
| Net loans and leases to core deposits | 33.4563% | 4,493 |
| Total domestic deposits to total assets | 92.7707% | 329 |
| Equity capital to assets | 6.9921% | 4,220 |
| Core capital (leverage) ratio | 9.3505% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7554% | 448 |
| Memoranda: | ||
| Average total assets | $169,004,500 | 3,356 |
| Average earning assets | $157,283,500 | 3,352 |
| Average equity | $13,560,500 | 3,697 |
| Average total loans | $50,097,000 | 3,974 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2423% | 3,366 |
| Cost of funding earning assets | 0.1245% | 4,190 |
| Net interest margin | 3.1178% | 2,848 |
| Noninterest income to average assets | 0.2847% | 3,690 |
| Noninterest expense to average assets | 2.2079% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9720% | 2,788 |
| Return on assets (ROA) | 1.1956% | 1,994 |
| Pretax return on assets | 1.1956% | 2,674 |
| Return on Equity (ROE) | 12.2623% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.7468% | 3,317 |
| Net charge-offs to loans | -0.0299% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4330% | 1,800 |
| Assets per employee ($millions) | 4.3430% | 4,238 |
| Cash dividends to net income (ytd only)* | 69.4444% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 461 |
| Loan loss allowance to noncurrent loans | 2,214.5833% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 1,364 |
| Noncurrent loans to loans | 0.0985% | 3,437 |
| Net loans and leases to total assets | 28.1392% | 4,565 |
| Net loans and leases to deposits | 31.0067% | 4,605 |
| Net loans and leases to core deposits | 32.2175% | 4,602 |
| Total domestic deposits to total assets | 90.7519% | 604 |
| Equity capital to assets | 9.0509% | 3,569 |
| Core capital (leverage) ratio | 9.2115% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8213% | 356 |
| Memoranda: | ||
| Average total assets | $168,620,200 | 3,312 |
| Average earning assets | $156,584,600 | 3,311 |
| Average equity | $16,440,600 | 3,507 |
| Average total loans | $56,815,400 | 3,878 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 3,231 |
| Cost of funding earning assets | 0.1297% | 4,265 |
| Net interest margin | 3.2251% | 2,648 |
| Noninterest income to average assets | 0.3459% | 3,381 |
| Noninterest expense to average assets | 2.2379% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1003% | 2,553 |
| Return on assets (ROA) | 1.3988% | 1,610 |
| Pretax return on assets | 1.3988% | 2,334 |
| Return on Equity (ROE) | 14.0920% | 1,363 |
| Retained earnings to average equity (ytd only) | 8.5094% | 1,874 |
| Net charge-offs to loans | -0.0340% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0382% | 1,969 |
| Assets per employee ($millions) | 4.9128% | 3,782 |
| Cash dividends to net income (ytd only)* | 39.6152% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 653 |
| Loan loss allowance to noncurrent loans | 1,929.0909% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 1,175 |
| Noncurrent loans to loans | 0.1030% | 3,570 |
| Net loans and leases to total assets | 31.3419% | 4,559 |
| Net loans and leases to deposits | 34.9188% | 4,604 |
| Net loans and leases to core deposits | 36.0303% | 4,610 |
| Total domestic deposits to total assets | 89.7566% | 889 |
| Equity capital to assets | 9.9877% | 2,914 |
| Core capital (leverage) ratio | 9.5969% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7606% | 386 |
| Memoranda: | ||
| Average total assets | $168,431,250 | 3,351 |
| Average earning assets | $156,268,500 | 3,346 |
| Average equity | $16,718,250 | 3,533 |
| Average total loans | $58,838,250 | 3,891 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 2,992 |
| Cost of funding earning assets | 0.1350% | 4,317 |
| Net interest margin | 3.3295% | 2,353 |
| Noninterest income to average assets | 0.3150% | 3,540 |
| Noninterest expense to average assets | 2.2274% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1830% | 2,253 |
| Return on assets (ROA) | 1.6294% | 1,041 |
| Pretax return on assets | 1.6294% | 1,655 |
| Return on Equity (ROE) | 16.4495% | 870 |
| Retained earnings to average equity (ytd only) | 16.4495% | 309 |
| Net charge-offs to loans | -0.0363% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3125% | 2,252 |
| Assets per employee ($millions) | 4.3300% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 648 |
| Loan loss allowance to noncurrent loans | 1,854.3860% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 1,289 |
| Noncurrent loans to loans | 0.1061% | 3,658 |
| Net loans and leases to total assets | 31.1818% | 4,617 |
| Net loans and leases to deposits | 34.7415% | 4,662 |
| Net loans and leases to core deposits | 35.9039% | 4,674 |
| Total domestic deposits to total assets | 89.7537% | 893 |
| Equity capital to assets | 10.0372% | 2,818 |
| Core capital (leverage) ratio | 9.6289% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3838% | 362 |
| Memoranda: | ||
| Average total assets | $168,896,667 | 3,350 |
| Average earning assets | $157,022,667 | 3,339 |
| Average equity | $16,730,000 | 3,538 |
| Average total loans | $60,646,667 | 3,886 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 2,689 |
| Cost of funding earning assets | 0.1476% | 4,322 |
| Net interest margin | 3.4381% | 1,996 |
| Noninterest income to average assets | 0.4144% | 3,013 |
| Noninterest expense to average assets | 2.2924% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3214% | 1,755 |
| Return on assets (ROA) | 2.2142% | 440 |
| Pretax return on assets | 2.2142% | 673 |
| Return on Equity (ROE) | 22.5030% | 363 |
| Retained earnings to average equity (ytd only) | 22.5030% | 192 |
| Net charge-offs to loans | -0.0312% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4338% | 2,538 |
| Assets per employee ($millions) | 5.0819% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 1,071 |
| Loan loss allowance to noncurrent loans | 1,364.9351% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 1,372 |
| Noncurrent loans to loans | 0.1237% | 3,692 |
| Net loans and leases to total assets | 35.4043% | 4,531 |
| Net loans and leases to deposits | 39.2120% | 4,589 |
| Net loans and leases to core deposits | 40.4843% | 4,608 |
| Total domestic deposits to total assets | 90.2896% | 674 |
| Equity capital to assets | 9.4818% | 3,222 |
| Core capital (leverage) ratio | 9.7738% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6351% | 470 |
| Memoranda: | ||
| Average total assets | $168,909,500 | 3,348 |
| Average earning assets | $157,180,500 | 3,337 |
| Average equity | $16,620,000 | 3,548 |
| Average total loans | $64,113,000 | 3,840 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 3,451 |
| Cost of funding earning assets | 0.2337% | 4,446 |
| Net interest margin | 3.5142% | 2,428 |
| Noninterest income to average assets | 0.4511% | 2,862 |
| Noninterest expense to average assets | 2.5413% | 2,714 |
| Loan and lease loss provision to assets | 0.0501% | 3,755 |
| Net operating income to assets | 1.1001% | 1,924 |
| Return on assets (ROA) | 1.1001% | 2,043 |
| Pretax return on assets | 1.1001% | 2,693 |
| Return on Equity (ROE) | 10.3986% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.7838% | 1,908 |
| Net charge-offs to loans | -0.0148% | 4,350 |
| Credit loss provision to net charge-offs | -855.5556% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8415% | 2,119 |
| Assets per employee ($millions) | 5.1573% | 3,214 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,337 |
| Loan loss allowance to noncurrent loans | 1,202.2989% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 1,442 |
| Noncurrent loans to loans | 0.1318% | 3,751 |
| Net loans and leases to total assets | 39.3589% | 4,464 |
| Net loans and leases to deposits | 43.9242% | 4,531 |
| Net loans and leases to core deposits | 45.4292% | 4,554 |
| Total domestic deposits to total assets | 89.6064% | 725 |
| Equity capital to assets | 10.2142% | 2,922 |
| Core capital (leverage) ratio | 9.2017% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5572% | 538 |
| Memoranda: | ||
| Average total assets | $153,624,800 | 3,360 |
| Average earning assets | $141,652,600 | 3,363 |
| Average equity | $16,252,200 | 3,524 |
| Average total loans | $60,811,600 | 3,901 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 3,875 |
| Cost of funding earning assets | 0.2520% | 4,503 |
| Net interest margin | 3.4131% | 2,880 |
| Noninterest income to average assets | 0.4766% | 2,709 |
| Noninterest expense to average assets | 2.5902% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0249% | 2,235 |
| Return on assets (ROA) | 1.0249% | 2,375 |
| Pretax return on assets | 1.0249% | 2,976 |
| Return on Equity (ROE) | 9.5975% | 2,169 |
| Retained earnings to average equity (ytd only) | 7.5273% | 1,487 |
| Net charge-offs to loans | -0.0090% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6487% | 1,682 |
| Assets per employee ($millions) | 4.6060% | 3,719 |
| Cash dividends to net income (ytd only)* | 21.5703% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,626 |
| Loan loss allowance to noncurrent loans | 1,014.7368% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 1,483 |
| Noncurrent loans to loans | 0.1406% | 3,821 |
| Net loans and leases to total assets | 42.5325% | 4,478 |
| Net loans and leases to deposits | 47.8361% | 4,559 |
| Net loans and leases to core deposits | 49.6819% | 4,586 |
| Total domestic deposits to total assets | 88.9129% | 808 |
| Equity capital to assets | 10.8394% | 2,526 |
| Core capital (leverage) ratio | 9.5469% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2485% | 498 |
| Memoranda: | ||
| Average total assets | $150,772,250 | 3,378 |
| Average earning assets | $138,640,000 | 3,384 |
| Average equity | $16,101,000 | 3,538 |
| Average total loans | $59,514,000 | 3,948 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 4,022 |
| Cost of funding earning assets | 0.2663% | 4,575 |
| Net interest margin | 3.4634% | 2,908 |
| Noninterest income to average assets | 0.5752% | 2,229 |
| Noninterest expense to average assets | 2.6809% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0751% | 2,056 |
| Return on assets (ROA) | 1.0751% | 2,184 |
| Pretax return on assets | 1.0751% | 2,789 |
| Return on Equity (ROE) | 10.1204% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.4758% | 1,169 |
| Net charge-offs to loans | 0.0106% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 266.6667% | 355 |
| Efficiency ratio | 71.3775% | 1,777 |
| Assets per employee ($millions) | 4.3603% | 3,944 |
| Cash dividends to net income (ytd only)* | 16.2500% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,221 |
| Loan loss allowance to noncurrent loans | 703.6765% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 1,578 |
| Noncurrent loans to loans | 0.2151% | 3,608 |
| Net loans and leases to total assets | 39.6685% | 4,622 |
| Net loans and leases to deposits | 44.6202% | 4,689 |
| Net loans and leases to core deposits | 46.6934% | 4,700 |
| Total domestic deposits to total assets | 88.9024% | 786 |
| Equity capital to assets | 10.6644% | 2,607 |
| Core capital (leverage) ratio | 9.5121% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9917% | 449 |
| Memoranda: | ||
| Average total assets | $148,828,000 | 3,379 |
| Average earning assets | $136,685,667 | 3,391 |
| Average equity | $15,809,667 | 3,567 |
| Average total loans | $56,828,000 | 4,002 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,698 |
| Cost of funding earning assets | 0.2866% | 4,697 |
| Net interest margin | 3.7472% | 2,157 |
| Noninterest income to average assets | 0.7820% | 1,361 |
| Noninterest expense to average assets | 2.8627% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3512% | 1,103 |
| Return on assets (ROA) | 1.3512% | 1,186 |
| Pretax return on assets | 1.3512% | 1,713 |
| Return on Equity (ROE) | 12.7472% | 925 |
| Retained earnings to average equity (ytd only) | 12.7472% | 345 |
| Net charge-offs to loans | -0.0373% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9344% | 2,676 |
| Assets per employee ($millions) | 3.9688% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 763 |
| Loan loss allowance to noncurrent loans | 375.4864% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 1,343 |
| Noncurrent loans to loans | 0.4696% | 2,838 |
| Net loans and leases to total assets | 37.6277% | 4,737 |
| Net loans and leases to deposits | 42.3775% | 4,794 |
| Net loans and leases to core deposits | 44.5480% | 4,802 |
| Total domestic deposits to total assets | 88.7917% | 761 |
| Equity capital to assets | 10.9648% | 2,891 |
| Core capital (leverage) ratio | 10.0665% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2897% | 614 |
| Memoranda: | ||
| Average total assets | $144,756,500 | 3,402 |
| Average earning assets | $132,579,000 | 3,415 |
| Average equity | $15,344,500 | 3,624 |
| Average total loans | $53,629,500 | 4,075 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 4,081 |
| Cost of funding earning assets | 0.2958% | 4,738 |
| Net interest margin | 3.7862% | 2,546 |
| Noninterest income to average assets | 0.4374% | 3,071 |
| Noninterest expense to average assets | 2.8969% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9588% | 2,987 |
| Return on assets (ROA) | 0.9806% | 2,991 |
| Pretax return on assets | 0.9806% | 3,512 |
| Return on Equity (ROE) | 9.9940% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.7080% | 1,076 |
| Net charge-offs to loans | 0.0021% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,368.0000% | 66 |
| Efficiency ratio | 75.1318% | 1,469 |
| Assets per employee ($millions) | 3.8589% | 4,084 |
| Cash dividends to net income (ytd only)* | 22.8735% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 628 |
| Loan loss allowance to noncurrent loans | 470.5882% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 898 |
| Noncurrent loans to loans | 0.3883% | 3,043 |
| Net loans and leases to total assets | 35.1705% | 4,867 |
| Net loans and leases to deposits | 39.2752% | 4,919 |
| Net loans and leases to core deposits | 41.0463% | 4,927 |
| Total domestic deposits to total assets | 89.5490% | 475 |
| Equity capital to assets | 10.2450% | 3,685 |
| Core capital (leverage) ratio | 9.8740% | 3,649 |
| Tier 1 risk-based capital ratio | 20.7057% | 1,218 |
| Total risk-based capital ratio | 21.9588% | 1,182 |
| Memoranda: | ||
| Average total assets | $142,671,200 | 3,399 |
| Average earning assets | $128,810,200 | 3,447 |
| Average equity | $13,998,400 | 3,752 |
| Average total loans | $48,689,200 | 4,213 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 4,049 |
| Cost of funding earning assets | 0.2949% | 4,809 |
| Net interest margin | 3.8495% | 2,436 |
| Noninterest income to average assets | 0.4272% | 3,162 |
| Noninterest expense to average assets | 2.9098% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9815% | 3,043 |
| Return on assets (ROA) | 1.0107% | 3,023 |
| Pretax return on assets | 1.0107% | 3,558 |
| Return on Equity (ROE) | 10.4201% | 2,244 |
| Retained earnings to average equity (ytd only) | 7.3155% | 1,706 |
| Net charge-offs to loans | 0.0195% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 149.0493% | 543 |
| Efficiency ratio | 74.7763% | 1,467 |
| Assets per employee ($millions) | 3.9292% | 3,988 |
| Cash dividends to net income (ytd only)* | 29.7955% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 561 |
| Loan loss allowance to noncurrent loans | 441.6667% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 444 |
| Noncurrent loans to loans | 0.4300% | 3,016 |
| Net loans and leases to total assets | 34.8380% | 4,973 |
| Net loans and leases to deposits | 38.9998% | 5,018 |
| Net loans and leases to core deposits | 40.8270% | 5,020 |
| Total domestic deposits to total assets | 89.3285% | 509 |
| Equity capital to assets | 10.4240% | 3,617 |
| Core capital (leverage) ratio | 9.8543% | 3,778 |
| Tier 1 risk-based capital ratio | 20.5277% | 1,280 |
| Total risk-based capital ratio | 21.7798% | 1,248 |
| Memoranda: | ||
| Average total assets | $141,679,750 | 3,447 |
| Average earning assets | $127,495,000 | 3,496 |
| Average equity | $13,742,250 | 3,825 |
| Average total loans | $47,728,250 | 4,278 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 4,173 |
| Cost of funding earning assets | 0.2931% | 4,843 |
| Net interest margin | 3.8027% | 2,581 |
| Noninterest income to average assets | 0.4980% | 2,695 |
| Noninterest expense to average assets | 2.8865% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0341% | 2,787 |
| Return on assets (ROA) | 1.0341% | 2,866 |
| Pretax return on assets | 1.0341% | 3,436 |
| Return on Equity (ROE) | 10.9262% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.1374% | 996 |
| Net charge-offs to loans | 0.0426% | 2,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.3000% | 866 |
| Efficiency ratio | 73.6236% | 1,685 |
| Assets per employee ($millions) | 3.7000% | 4,245 |
| Cash dividends to net income (ytd only)* | 16.3711% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 525 |
| Loan loss allowance to noncurrent loans | 364.3678% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 2.4559% | 307 |
| Noncurrent loans to loans | 0.5326% | 2,679 |
| Net loans and leases to total assets | 34.1781% | 5,026 |
| Net loans and leases to deposits | 38.2157% | 5,073 |
| Net loans and leases to core deposits | 40.0113% | 5,081 |
| Total domestic deposits to total assets | 89.4345% | 496 |
| Equity capital to assets | 10.2412% | 3,757 |
| Core capital (leverage) ratio | 9.7555% | 3,878 |
| Tier 1 risk-based capital ratio | 20.7149% | 1,214 |
| Total risk-based capital ratio | 21.9681% | 1,190 |
| Memoranda: | ||
| Average total assets | $141,765,000 | 3,469 |
| Average earning assets | $127,592,000 | 3,510 |
| Average equity | $13,417,330 | 3,870 |
| Average total loans | $46,893,330 | 4,319 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 4,191 |
| Cost of funding earning assets | 0.2901% | 4,874 |
| Net interest margin | 3.7869% | 2,577 |
| Noninterest income to average assets | 0.5423% | 2,330 |
| Noninterest expense to average assets | 2.8690% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0847% | 2,528 |
| Return on assets (ROA) | 1.0847% | 2,572 |
| Pretax return on assets | 1.0847% | 3,192 |
| Return on Equity (ROE) | 11.9445% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.9445% | 621 |
| Net charge-offs to loans | 0.1222% | 1,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.5714% | 1,380 |
| Efficiency ratio | 72.5657% | 1,946 |
| Assets per employee ($millions) | 3.9441% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 497 |
| Loan loss allowance to noncurrent loans | 267.5141% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 2.5326% | 303 |
| Noncurrent loans to loans | 0.7481% | 2,160 |
| Net loans and leases to total assets | 32.6591% | 5,100 |
| Net loans and leases to deposits | 36.1406% | 5,148 |
| Net loans and leases to core deposits | 37.8152% | 5,146 |
| Total domestic deposits to total assets | 90.3668% | 327 |
| Equity capital to assets | 9.3790% | 4,359 |
| Core capital (leverage) ratio | 9.5132% | 4,117 |
| Tier 1 risk-based capital ratio | 20.7134% | 1,212 |
| Total risk-based capital ratio | 21.9671% | 1,189 |
| Memoranda: | ||
| Average total assets | $142,348,000 | 3,501 |
| Average earning assets | $128,232,500 | 3,545 |
| Average equity | $12,926,500 | 3,959 |
| Average total loans | $45,837,500 | 4,392 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,629 |
| Cost of funding earning assets | 0.3080% | 4,535 |
| Net interest margin | 3.4181% | 3,951 |
| Noninterest income to average assets | 0.4886% | 2,893 |
| Noninterest expense to average assets | 3.0491% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5073% | 4,648 |
| Return on assets (ROA) | 0.5073% | 4,649 |
| Pretax return on assets | 0.5073% | 4,784 |
| Return on Equity (ROE) | 5.7268% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.0399% | 3,340 |
| Net charge-offs to loans | 0.4350% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.3781% | 3,419 |
| Efficiency ratio | 85.7353% | 543 |
| Assets per employee ($millions) | 3.8570% | 4,094 |
| Cash dividends to net income (ytd only)* | 29.4551% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 356 |
| Loan loss allowance to noncurrent loans | 241.2060% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 2.5331% | 296 |
| Noncurrent loans to loans | 0.8973% | 1,789 |
| Net loans and leases to total assets | 30.4089% | 5,199 |
| Net loans and leases to deposits | 33.4116% | 5,232 |
| Net loans and leases to core deposits | 34.9359% | 5,233 |
| Total domestic deposits to total assets | 91.0131% | 205 |
| Equity capital to assets | 8.7844% | 4,746 |
| Core capital (leverage) ratio | 9.3035% | 4,352 |
| Tier 1 risk-based capital ratio | 21.0377% | 1,150 |
| Total risk-based capital ratio | 22.2920% | 1,138 |
| Memoranda: | ||
| Average total assets | $133,842,400 | 3,597 |
| Average earning assets | $120,125,200 | 3,643 |
| Average equity | $11,856,600 | 4,045 |
| Average total loans | $46,208,400 | 4,395 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,727 |
| Cost of funding earning assets | 0.3073% | 4,469 |
| Net interest margin | 3.3424% | 4,175 |
| Noninterest income to average assets | 0.4801% | 2,980 |
| Noninterest expense to average assets | 3.0814% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3951% | 4,966 |
| Return on assets (ROA) | 0.3951% | 4,966 |
| Pretax return on assets | 0.3951% | 5,036 |
| Return on Equity (ROE) | 4.4494% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,525 |
| Net charge-offs to loans | 0.3400% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.2774% | 3,175 |
| Efficiency ratio | 88.6364% | 376 |
| Assets per employee ($millions) | 3.6177% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 245 |
| Loan loss allowance to noncurrent loans | 162.3053% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 2.9891% | 244 |
| Noncurrent loans to loans | 1.5331% | 1,048 |
| Net loans and leases to total assets | 30.5056% | 5,268 |
| Net loans and leases to deposits | 33.6395% | 5,307 |
| Net loans and leases to core deposits | 35.2824% | 5,304 |
| Total domestic deposits to total assets | 90.6839% | 295 |
| Equity capital to assets | 9.0255% | 4,523 |
| Core capital (leverage) ratio | 9.5518% | 4,113 |
| Tier 1 risk-based capital ratio | 21.8136% | 1,073 |
| Total risk-based capital ratio | 23.0698% | 1,053 |
| Memoranda: | ||
| Average total assets | $131,626,000 | 3,665 |
| Average earning assets | $117,996,000 | 3,719 |
| Average equity | $11,686,750 | 4,098 |
| Average total loans | $46,671,500 | 4,424 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 4,753 |
| Cost of funding earning assets | 0.3081% | 4,365 |
| Net interest margin | 3.2989% | 4,253 |
| Noninterest income to average assets | 0.4890% | 2,926 |
| Noninterest expense to average assets | 3.1356% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3148% | 5,098 |
| Return on assets (ROA) | 0.3148% | 5,093 |
| Pretax return on assets | 0.3148% | 5,148 |
| Return on Equity (ROE) | 3.5655% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.5655% | 3,816 |
| Net charge-offs to loans | 0.1326% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.4375% | 2,626 |
| Efficiency ratio | 90.8769% | 338 |
| Assets per employee ($millions) | 3.3600% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5055% | 245 |
| Loan loss allowance to noncurrent loans | 72.4182% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.6226% | 172 |
| Noncurrent loans to loans | 3.4598% | 287 |
| Net loans and leases to total assets | 33.5259% | 5,254 |
| Net loans and leases to deposits | 37.0178% | 5,306 |
| Net loans and leases to core deposits | 38.8641% | 5,304 |
| Total domestic deposits to total assets | 90.5669% | 378 |
| Equity capital to assets | 8.7821% | 4,735 |
| Core capital (leverage) ratio | 9.1652% | 4,502 |
| Tier 1 risk-based capital ratio | 19.7603% | 1,368 |
| Total risk-based capital ratio | 21.0172% | 1,337 |
| Memoranda: | ||
| Average total assets | $130,883,330 | 3,696 |
| Average earning assets | $117,495,000 | 3,754 |
| Average equity | $11,555,330 | 4,144 |
| Average total loans | $48,270,330 | 4,434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,771 |
| Cost of funding earning assets | 0.3099% | 4,264 |
| Net interest margin | 3.2560% | 4,298 |
| Noninterest income to average assets | 0.4618% | 3,045 |
| Noninterest expense to average assets | 3.1161% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2691% | 5,137 |
| Return on assets (ROA) | 0.2691% | 5,138 |
| Pretax return on assets | 0.2691% | 5,192 |
| Return on Equity (ROE) | 3.0400% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.0400% | 3,988 |
| Net charge-offs to loans | 0.2967% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3784% | 2,468 |
| Efficiency ratio | 92.0506% | 363 |
| Assets per employee ($millions) | 3.2923% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 317 |
| Loan loss allowance to noncurrent loans | 73.4641% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 3.8931% | 166 |
| Noncurrent loans to loans | 3.1553% | 364 |
| Net loans and leases to total assets | 35.9670% | 5,210 |
| Net loans and leases to deposits | 39.6587% | 5,270 |
| Net loans and leases to core deposits | 41.6185% | 5,274 |
| Total domestic deposits to total assets | 90.6912% | 414 |
| Equity capital to assets | 8.6823% | 4,832 |
| Core capital (leverage) ratio | 9.1776% | 4,467 |
| Tier 1 risk-based capital ratio | 18.3550% | 1,731 |
| Total risk-based capital ratio | 19.6110% | 1,696 |
| Memoranda: | ||
| Average total assets | $130,805,500 | 3,736 |
| Average earning assets | $117,446,500 | 3,793 |
| Average equity | $11,579,000 | 4,180 |
| Average total loans | $49,875,000 | 4,447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 4,060 |
| Cost of funding earning assets | 0.3336% | 3,841 |
| Net interest margin | 3.4625% | 3,650 |
| Noninterest income to average assets | 0.9347% | 1,175 |
| Noninterest expense to average assets | 3.5725% | 928 |
| Loan and lease loss provision to assets | 0.0396% | 3,478 |
| Net operating income to assets | 0.4274% | 4,599 |
| Return on assets (ROA) | 0.4274% | 4,623 |
| Pretax return on assets | 0.4274% | 5,051 |
| Return on Equity (ROE) | 5.1842% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.1842% | 2,014 |
| Net charge-offs to loans | 1.0760% | 160 |
| Credit loss provision to net charge-offs | 8.6655% | 3,672 |
| Earnings coverage of net charge-offs (x) | 1.0225% | 3,938 |
| Efficiency ratio | 88.4404% | 505 |
| Assets per employee ($millions) | 3.3312% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2649% | 327 |
| Loan loss allowance to noncurrent loans | 50.1946% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 4.0071% | 147 |
| Noncurrent loans to loans | 4.5123% | 179 |
| Net loans and leases to total assets | 38.5620% | 5,194 |
| Net loans and leases to deposits | 42.7313% | 5,272 |
| Net loans and leases to core deposits | 44.8783% | 5,267 |
| Total domestic deposits to total assets | 90.2431% | 484 |
| Equity capital to assets | 9.0242% | 4,691 |
| Core capital (leverage) ratio | 9.1742% | 4,427 |
| Tier 1 risk-based capital ratio | 17.3492% | 1,979 |
| Total risk-based capital ratio | 18.6046% | 1,934 |
| Memoranda: | ||
| Average total assets | $126,352,800 | 3,801 |
| Average earning assets | $113,300,800 | 3,856 |
| Average equity | $10,416,200 | 4,389 |
| Average total loans | $53,626,200 | 4,377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 3,826 |
| Cost of funding earning assets | 0.3370% | 3,799 |
| Net interest margin | 3.5146% | 3,451 |
| Noninterest income to average assets | 1.0170% | 997 |
| Noninterest expense to average assets | 3.6898% | 778 |
| Loan and lease loss provision to assets | 0.0531% | 3,040 |
| Net operating income to assets | 0.4219% | 4,953 |
| Return on assets (ROA) | 0.4219% | 4,981 |
| Pretax return on assets | 0.4219% | 5,153 |
| Return on Equity (ROE) | 5.2464% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.2464% | 2,714 |
| Net charge-offs to loans | 1.3796% | 117 |
| Credit loss provision to net charge-offs | 8.9127% | 3,232 |
| Earnings coverage of net charge-offs (x) | 0.7968% | 3,634 |
| Efficiency ratio | 88.5940% | 473 |
| Assets per employee ($millions) | 3.1918% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 422 |
| Loan loss allowance to noncurrent loans | 45.4265% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 4.5934% | 129 |
| Noncurrent loans to loans | 4.8064% | 174 |
| Net loans and leases to total assets | 40.2940% | 5,188 |
| Net loans and leases to deposits | 44.6921% | 5,298 |
| Net loans and leases to core deposits | 47.4050% | 5,273 |
| Total domestic deposits to total assets | 90.1592% | 421 |
| Equity capital to assets | 9.1363% | 4,792 |
| Core capital (leverage) ratio | 9.2301% | 4,488 |
| Tier 1 risk-based capital ratio | 16.7194% | 2,244 |
| Total risk-based capital ratio | 17.9754% | 2,197 |
| Memoranda: | ||
| Average total assets | $125,461,500 | 3,855 |
| Average earning assets | $112,368,000 | 3,918 |
| Average equity | $10,089,250 | 4,476 |
| Average total loans | $54,217,750 | 4,390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 4,244 |
| Cost of funding earning assets | 0.3466% | 3,616 |
| Net interest margin | 3.3489% | 3,953 |
| Noninterest income to average assets | 1.2922% | 623 |
| Noninterest expense to average assets | 3.7651% | 703 |
| Loan and lease loss provision to assets | 0.0809% | 2,367 |
| Net operating income to assets | 0.4464% | 4,863 |
| Return on assets (ROA) | 0.4464% | 4,884 |
| Pretax return on assets | 0.4464% | 5,091 |
| Return on Equity (ROE) | 5.8308% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.8308% | 2,211 |
| Net charge-offs to loans | 1.8704% | 92 |
| Credit loss provision to net charge-offs | 9.8425% | 2,854 |
| Earnings coverage of net charge-offs (x) | 0.6417% | 3,358 |
| Efficiency ratio | 87.7167% | 564 |
| Assets per employee ($millions) | 3.1421% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4297% | 307 |
| Loan loss allowance to noncurrent loans | 36.2404% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 5.4969% | 87 |
| Noncurrent loans to loans | 6.7045% | 78 |
| Net loans and leases to total assets | 40.3070% | 5,215 |
| Net loans and leases to deposits | 45.0305% | 5,310 |
| Net loans and leases to core deposits | 47.1631% | 5,308 |
| Total domestic deposits to total assets | 89.5105% | 723 |
| Equity capital to assets | 9.7150% | 4,211 |
| Core capital (leverage) ratio | 9.2195% | 4,467 |
| Tier 1 risk-based capital ratio | 17.5866% | 1,979 |
| Total risk-based capital ratio | 18.8442% | 1,931 |
| Memoranda: | ||
| Average total assets | $123,661,000 | 3,900 |
| Average earning assets | $110,782,330 | 3,966 |
| Average equity | $9,467,000 | 4,597 |
| Average total loans | $54,321,330 | 4,408 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,410 |
| Cost of funding earning assets | 0.3507% | 3,524 |
| Net interest margin | 3.2528% | 4,163 |
| Noninterest income to average assets | 0.5217% | 2,828 |
| Noninterest expense to average assets | 3.6709% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2222% | 5,684 |
| Return on assets (ROA) | -0.2222% | 5,685 |
| Pretax return on assets | -0.2222% | 5,672 |
| Return on Equity (ROE) | -3.3463% | 5,711 |
| Retained earnings to average equity (ytd only) | -3.3463% | 5,282 |
| Net charge-offs to loans | 1.4314% | 116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.3433% | 2,865 |
| Efficiency ratio | 106.4426% | 159 |
| Assets per employee ($millions) | 3.1912% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6862% | 259 |
| Loan loss allowance to noncurrent loans | 29.0316% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 6.2728% | 75 |
| Noncurrent loans to loans | 9.2528% | 40 |
| Net loans and leases to total assets | 42.2019% | 5,149 |
| Net loans and leases to deposits | 46.1440% | 5,297 |
| Net loans and leases to core deposits | 48.1635% | 5,291 |
| Total domestic deposits to total assets | 91.4568% | 179 |
| Equity capital to assets | 7.8216% | 5,593 |
| Core capital (leverage) ratio | 7.8176% | 5,624 |
| Tier 1 risk-based capital ratio | 13.7593% | 3,625 |
| Total risk-based capital ratio | 15.0198% | 3,525 |
| Memoranda: | ||
| Average total assets | $124,220,500 | 3,929 |
| Average earning assets | $111,779,000 | 3,980 |
| Average equity | $8,248,000 | 4,850 |
| Average total loans | $56,170,500 | 4,395 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,678 |
| Cost of funding earning assets | 0.3775% | 3,230 |
| Net interest margin | 3.4931% | 3,458 |
| Noninterest income to average assets | 0.4410% | 3,610 |
| Noninterest expense to average assets | 4.0077% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3882% | 5,761 |
| Return on assets (ROA) | -0.3882% | 5,770 |
| Pretax return on assets | -0.3882% | 5,760 |
| Return on Equity (ROE) | -6.8223% | 5,809 |
| Retained earnings to average equity (ytd only) | -6.8223% | 5,723 |
| Net charge-offs to loans | 0.6034% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -1.2989% | 4,178 |
| Efficiency ratio | 110.7247% | 121 |
| Assets per employee ($millions) | 3.0199% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9622% | 179 |
| Loan loss allowance to noncurrent loans | 26.9864% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 6.5624% | 79 |
| Noncurrent loans to loans | 10.9766% | 21 |
| Net loans and leases to total assets | 45.7776% | 5,030 |
| Net loans and leases to deposits | 48.8123% | 5,255 |
| Net loans and leases to core deposits | 50.5882% | 5,281 |
| Total domestic deposits to total assets | 93.7829% | 26 |
| Equity capital to assets | 5.3910% | 5,871 |
| Core capital (leverage) ratio | 5.2328% | 5,877 |
| Tier 1 risk-based capital ratio | 9.1390% | 5,848 |
| Total risk-based capital ratio | 10.4045% | 5,848 |
| Memoranda: | ||
| Average total assets | $123,138,400 | 3,940 |
| Average earning assets | $112,048,800 | 3,970 |
| Average equity | $7,006,400 | 5,089 |
| Average total loans | $60,987,000 | 4,265 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,561 |
| Cost of funding earning assets | 0.3807% | 3,220 |
| Net interest margin | 3.5269% | 3,370 |
| Noninterest income to average assets | 0.4472% | 3,581 |
| Noninterest expense to average assets | 3.9409% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2791% | 5,818 |
| Return on assets (ROA) | -0.2791% | 5,825 |
| Pretax return on assets | -0.2791% | 5,810 |
| Return on Equity (ROE) | -4.8432% | 5,861 |
| Retained earnings to average equity (ytd only) | -4.8432% | 5,729 |
| Net charge-offs to loans | -0.1656% | 5,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6221% | 138 |
| Assets per employee ($millions) | 3.0671% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5451% | 110 |
| Loan loss allowance to noncurrent loans | 29.1712% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 6.9773% | 76 |
| Noncurrent loans to loans | 12.1526% | 23 |
| Net loans and leases to total assets | 48.5178% | 4,920 |
| Net loans and leases to deposits | 52.0423% | 5,200 |
| Net loans and leases to core deposits | 53.7351% | 5,232 |
| Total domestic deposits to total assets | 93.2275% | 28 |
| Equity capital to assets | 5.9265% | 5,934 |
| Core capital (leverage) ratio | 5.4952% | 5,939 |
| Tier 1 risk-based capital ratio | 9.5103% | 5,876 |
| Total risk-based capital ratio | 10.7828% | 5,860 |
| Memoranda: | ||
| Average total assets | $123,724,250 | 3,953 |
| Average earning assets | $112,767,000 | 3,979 |
| Average equity | $7,130,000 | 5,117 |
| Average total loans | $61,987,500 | 4,260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,954 |
| Cost of funding earning assets | 0.3882% | 3,170 |
| Net interest margin | 3.4127% | 3,843 |
| Noninterest income to average assets | 0.3949% | 3,906 |
| Noninterest expense to average assets | 3.9027% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4013% | 5,902 |
| Return on assets (ROA) | -0.4013% | 5,911 |
| Pretax return on assets | -0.4013% | 5,904 |
| Return on Equity (ROE) | -7.0272% | 5,953 |
| Retained earnings to average equity (ytd only) | -7.0272% | 5,821 |
| Net charge-offs to loans | 0.1598% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.0200% | 3,628 |
| Efficiency ratio | 111.4612% | 136 |
| Assets per employee ($millions) | 2.8567% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2947% | 147 |
| Loan loss allowance to noncurrent loans | 26.9443% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 7.1936% | 74 |
| Noncurrent loans to loans | 12.2278% | 24 |
| Net loans and leases to total assets | 49.0740% | 4,904 |
| Net loans and leases to deposits | 52.6664% | 5,220 |
| Net loans and leases to core deposits | 54.6866% | 5,240 |
| Total domestic deposits to total assets | 93.1790% | 28 |
| Equity capital to assets | 5.9242% | 6,015 |
| Core capital (leverage) ratio | 5.2223% | 6,023 |
| Tier 1 risk-based capital ratio | 9.9648% | 5,870 |
| Total risk-based capital ratio | 11.2368% | 5,805 |
| Memoranda: | ||
| Average total assets | $125,093,670 | 3,957 |
| Average earning assets | $113,869,000 | 3,980 |
| Average equity | $7,143,670 | 5,166 |
| Average total loans | $62,594,000 | 4,271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,189 |
| Cost of funding earning assets | 0.3913% | 3,174 |
| Net interest margin | 3.3432% | 4,069 |
| Noninterest income to average assets | 0.4074% | 3,768 |
| Noninterest expense to average assets | 3.8104% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3510% | 5,932 |
| Return on assets (ROA) | -0.3510% | 5,939 |
| Pretax return on assets | -0.3510% | 5,924 |
| Return on Equity (ROE) | -6.2557% | 5,990 |
| Retained earnings to average equity (ytd only) | -6.2557% | 5,680 |
| Net charge-offs to loans | 0.2270% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -3.1111% | 3,029 |
| Efficiency ratio | 110.1449% | 153 |
| Assets per employee ($millions) | 3.0175% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3011% | 165 |
| Loan loss allowance to noncurrent loans | 27.2973% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 6.7322% | 95 |
| Noncurrent loans to loans | 12.0931% | 25 |
| Net loans and leases to total assets | 46.6899% | 5,071 |
| Net loans and leases to deposits | 49.9312% | 5,340 |
| Net loans and leases to core deposits | 51.4830% | 5,382 |
| Total domestic deposits to total assets | 93.5085% | 31 |
| Equity capital to assets | 5.6283% | 6,076 |
| Core capital (leverage) ratio | 5.2924% | 6,083 |
| Tier 1 risk-based capital ratio | 9.6173% | 5,988 |
| Total risk-based capital ratio | 10.8877% | 5,959 |
| Memoranda: | ||
| Average total assets | $127,649,500 | 3,950 |
| Average earning assets | $116,535,000 | 3,967 |
| Average equity | $7,161,500 | 5,198 |
| Average total loans | $63,448,000 | 4,279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,664 |
| Cost of funding earning assets | 0.4769% | 2,377 |
| Net interest margin | 3.6930% | 2,772 |
| Noninterest income to average assets | 0.5435% | 3,052 |
| Noninterest expense to average assets | 4.2729% | 508 |
| Loan and lease loss provision to assets | 0.0047% | 4,296 |
| Net operating income to assets | -0.4146% | 6,022 |
| Return on assets (ROA) | -0.4146% | 6,033 |
| Pretax return on assets | -0.4146% | 6,023 |
| Return on Equity (ROE) | -5.8665% | 6,062 |
| Retained earnings to average equity (ytd only) | -5.8665% | 5,952 |
| Net charge-offs to loans | 3.0696% | 31 |
| Credit loss provision to net charge-offs | 0.2776% | 3,897 |
| Earnings coverage of net charge-offs (x) | -0.2429% | 4,287 |
| Efficiency ratio | 110.6125% | 136 |
| Assets per employee ($millions) | 3.1707% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0690% | 208 |
| Loan loss allowance to noncurrent loans | 24.5522% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 7.5146% | 87 |
| Noncurrent loans to loans | 12.5000% | 28 |
| Net loans and leases to total assets | 49.9508% | 4,873 |
| Net loans and leases to deposits | 54.1359% | 5,157 |
| Net loans and leases to core deposits | 55.7932% | 5,215 |
| Total domestic deposits to total assets | 92.2692% | 84 |
| Equity capital to assets | 6.6492% | 6,084 |
| Core capital (leverage) ratio | 6.5254% | 6,092 |
| Tier 1 risk-based capital ratio | 12.4382% | 4,673 |
| Total risk-based capital ratio | 13.7114% | 4,547 |
| Memoranda: | ||
| Average total assets | $128,063,800 | 3,930 |
| Average earning assets | $115,110,400 | 3,980 |
| Average equity | $9,051,400 | 4,836 |
| Average total loans | $70,400,000 | 4,083 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,372 |
| Cost of funding earning assets | 0.5006% | 2,201 |
| Net interest margin | 3.7575% | 2,534 |
| Noninterest income to average assets | 0.5811% | 2,845 |
| Noninterest expense to average assets | 4.3391% | 464 |
| Loan and lease loss provision to assets | 0.0063% | 4,136 |
| Net operating income to assets | -0.3992% | 6,116 |
| Return on assets (ROA) | -0.3992% | 6,125 |
| Pretax return on assets | -0.3992% | 6,115 |
| Return on Equity (ROE) | -5.5644% | 6,147 |
| Retained earnings to average equity (ytd only) | -5.5644% | 6,043 |
| Net charge-offs to loans | 3.9165% | 21 |
| Credit loss provision to net charge-offs | 0.2867% | 3,516 |
| Earnings coverage of net charge-offs (x) | -0.1796% | 4,006 |
| Efficiency ratio | 109.9576% | 152 |
| Assets per employee ($millions) | 2.8777% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0813% | 225 |
| Loan loss allowance to noncurrent loans | 25.3279% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 7.8566% | 85 |
| Noncurrent loans to loans | 12.1656% | 29 |
| Net loans and leases to total assets | 53.9893% | 4,566 |
| Net loans and leases to deposits | 58.8565% | 4,931 |
| Net loans and leases to core deposits | 60.4160% | 5,038 |
| Total domestic deposits to total assets | 91.7304% | 122 |
| Equity capital to assets | 7.1608% | 6,126 |
| Core capital (leverage) ratio | 6.7982% | 6,151 |
| Tier 1 risk-based capital ratio | 11.5935% | 5,328 |
| Total risk-based capital ratio | 12.8641% | 5,246 |
| Memoranda: | ||
| Average total assets | $127,579,750 | 3,980 |
| Average earning assets | $114,258,000 | 4,036 |
| Average equity | $9,153,250 | 4,875 |
| Average total loans | $71,252,000 | 4,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,531 |
| Cost of funding earning assets | 0.5149% | 2,114 |
| Net interest margin | 3.6894% | 2,756 |
| Noninterest income to average assets | 0.6627% | 2,398 |
| Noninterest expense to average assets | 4.3179% | 485 |
| Loan and lease loss provision to assets | 0.0093% | 3,920 |
| Net operating income to assets | -0.3725% | 6,153 |
| Return on assets (ROA) | -0.3725% | 6,168 |
| Pretax return on assets | -0.3725% | 6,159 |
| Return on Equity (ROE) | -5.1888% | 6,196 |
| Retained earnings to average equity (ytd only) | -5.1888% | 6,029 |
| Net charge-offs to loans | 5.7674% | 10 |
| Credit loss provision to net charge-offs | 0.2889% | 3,157 |
| Earnings coverage of net charge-offs (x) | -0.1127% | 3,722 |
| Efficiency ratio | 109.1837% | 184 |
| Assets per employee ($millions) | 2.9251% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0864% | 249 |
| Loan loss allowance to noncurrent loans | 24.8866% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 7.9433% | 95 |
| Noncurrent loans to loans | 12.4017% | 33 |
| Net loans and leases to total assets | 53.4247% | 4,621 |
| Net loans and leases to deposits | 58.1817% | 4,981 |
| Net loans and leases to core deposits | 59.8397% | 5,081 |
| Total domestic deposits to total assets | 91.8238% | 145 |
| Equity capital to assets | 7.0711% | 6,183 |
| Core capital (leverage) ratio | 6.8702% | 6,207 |
| Tier 1 risk-based capital ratio | 12.0035% | 5,150 |
| Total risk-based capital ratio | 13.2757% | 5,033 |
| Memoranda: | ||
| Average total assets | $128,858,670 | 3,984 |
| Average earning assets | $114,977,670 | 4,050 |
| Average equity | $9,250,670 | 4,894 |
| Average total loans | $72,025,330 | 4,108 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,354 |
| Cost of funding earning assets | 0.5433% | 1,900 |
| Net interest margin | 3.6849% | 2,681 |
| Noninterest income to average assets | 0.8589% | 1,531 |
| Noninterest expense to average assets | 4.1841% | 563 |
| Loan and lease loss provision to assets | 0.0184% | 3,477 |
| Net operating income to assets | -0.0982% | 6,102 |
| Return on assets (ROA) | -0.0982% | 6,127 |
| Pretax return on assets | -0.0982% | 6,117 |
| Return on Equity (ROE) | -1.3575% | 6,144 |
| Retained earnings to average equity (ytd only) | -1.3575% | 5,596 |
| Net charge-offs to loans | 0.1690% | 1,263 |
| Credit loss provision to net charge-offs | 19.3548% | 2,365 |
| Earnings coverage of net charge-offs (x) | -0.8387% | 3,164 |
| Efficiency ratio | 101.9432% | 315 |
| Assets per employee ($millions) | 2.5173% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7827% | 47 |
| Loan loss allowance to noncurrent loans | 42.0408% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 8.9297% | 83 |
| Noncurrent loans to loans | 13.7550% | 29 |
| Net loans and leases to total assets | 53.1247% | 4,541 |
| Net loans and leases to deposits | 57.9717% | 4,917 |
| Net loans and leases to core deposits | 59.5796% | 5,024 |
| Total domestic deposits to total assets | 91.6389% | 202 |
| Equity capital to assets | 7.3297% | 6,215 |
| Core capital (leverage) ratio | 6.7707% | 6,258 |
| Tier 1 risk-based capital ratio | 9.0007% | 6,319 |
| Total risk-based capital ratio | 9.0007% | 6,357 |
| Memoranda: | ||
| Average total assets | $130,398,500 | 3,982 |
| Average earning assets | $114,846,000 | 4,082 |
| Average equity | $9,429,000 | 4,890 |
| Average total loans | $73,369,500 | 4,094 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,358 |
| Cost of funding earning assets | 0.5909% | 1,850 |
| Net interest margin | 4.0884% | 1,613 |
| Noninterest income to average assets | 1.1686% | 884 |
| Noninterest expense to average assets | 5.6407% | 215 |
| Loan and lease loss provision to assets | 0.7828% | 157 |
| Net operating income to assets | -1.7422% | 6,447 |
| Return on assets (ROA) | -1.7365% | 6,449 |
| Pretax return on assets | -1.7365% | 6,438 |
| Return on Equity (ROE) | -20.5823% | 6,443 |
| Retained earnings to average equity (ytd only) | -20.5823% | 6,429 |
| Net charge-offs to loans | 0.5374% | 754 |
| Credit loss provision to net charge-offs | 252.6316% | 1,007 |
| Earnings coverage of net charge-offs (x) | -3.0961% | 4,859 |
| Efficiency ratio | 120.4938% | 128 |
| Assets per employee ($millions) | 2.7237% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1838% | 117 |
| Loan loss allowance to noncurrent loans | 29.4798% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 13.2286% | 47 |
| Noncurrent loans to loans | 14.1922% | 32 |
| Net loans and leases to total assets | 53.3841% | 4,654 |
| Net loans and leases to deposits | 58.7072% | 5,008 |
| Net loans and leases to core deposits | 62.1257% | 4,992 |
| Total domestic deposits to total assets | 90.9329% | 394 |
| Equity capital to assets | 7.8780% | 6,115 |
| Core capital (leverage) ratio | 7.3482% | 6,249 |
| Tier 1 risk-based capital ratio | 11.4098% | 5,713 |
| Total risk-based capital ratio | 12.6882% | 5,615 |
| Memoranda: | ||
| Average total assets | $141,028,200 | 3,781 |
| Average earning assets | $121,172,200 | 3,936 |
| Average equity | $11,898,600 | 4,380 |
| Average total loans | $81,313,600 | 3,839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,266 |
| Cost of funding earning assets | 0.5889% | 1,936 |
| Net interest margin | 4.1311% | 1,485 |
| Noninterest income to average assets | 1.1894% | 850 |
| Noninterest expense to average assets | 5.0563% | 295 |
| Loan and lease loss provision to assets | 0.4832% | 315 |
| Net operating income to assets | -0.7967% | 6,438 |
| Return on assets (ROA) | -0.7892% | 6,432 |
| Pretax return on assets | -0.7892% | 6,416 |
| Return on Equity (ROE) | -9.2119% | 6,432 |
| Retained earnings to average equity (ytd only) | -9.2119% | 6,362 |
| Net charge-offs to loans | 0.6823% | 515 |
| Credit loss provision to net charge-offs | 121.8824% | 1,894 |
| Earnings coverage of net charge-offs (x) | -0.7906% | 4,521 |
| Efficiency ratio | 106.6090% | 264 |
| Assets per employee ($millions) | 2.7981% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2578% | 280 |
| Loan loss allowance to noncurrent loans | 22.5913% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 14.1389% | 42 |
| Noncurrent loans to loans | 14.4205% | 40 |
| Net loans and leases to total assets | 56.0926% | 4,321 |
| Net loans and leases to deposits | 62.3587% | 4,705 |
| Net loans and leases to core deposits | 66.0697% | 4,704 |
| Total domestic deposits to total assets | 89.9516% | 750 |
| Equity capital to assets | 8.9427% | 5,417 |
| Core capital (leverage) ratio | 8.4612% | 5,697 |
| Tier 1 risk-based capital ratio | 12.5571% | 5,137 |
| Total risk-based capital ratio | 13.8265% | 5,059 |
| Memoranda: | ||
| Average total assets | $142,920,000 | 3,776 |
| Average earning assets | $122,933,750 | 3,930 |
| Average equity | $12,244,750 | 4,335 |
| Average total loans | $83,052,500 | 3,818 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,247 |
| Cost of funding earning assets | 0.5882% | 1,995 |
| Net interest margin | 4.1301% | 1,426 |
| Noninterest income to average assets | 1.2497% | 752 |
| Noninterest expense to average assets | 5.1855% | 278 |
| Loan and lease loss provision to assets | 0.2799% | 727 |
| Net operating income to assets | -0.6516% | 6,476 |
| Return on assets (ROA) | -0.6406% | 6,472 |
| Pretax return on assets | -0.6406% | 6,455 |
| Return on Equity (ROE) | -7.5795% | 6,486 |
| Retained earnings to average equity (ytd only) | -7.5795% | 6,358 |
| Net charge-offs to loans | 0.7030% | 543 |
| Credit loss provision to net charge-offs | 68.4564% | 2,497 |
| Earnings coverage of net charge-offs (x) | -0.9094% | 4,203 |
| Efficiency ratio | 107.7230% | 260 |
| Assets per employee ($millions) | 2.5657% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8906% | 437 |
| Loan loss allowance to noncurrent loans | 24.8283% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 12.3286% | 58 |
| Noncurrent loans to loans | 11.6425% | 50 |
| Net loans and leases to total assets | 56.9817% | 4,114 |
| Net loans and leases to deposits | 63.2603% | 4,567 |
| Net loans and leases to core deposits | 67.1181% | 4,545 |
| Total domestic deposits to total assets | 90.0749% | 771 |
| Equity capital to assets | 8.8684% | 5,443 |
| Core capital (leverage) ratio | 8.4678% | 5,663 |
| Tier 1 risk-based capital ratio | 12.5406% | 5,205 |
| Total risk-based capital ratio | 13.6323% | 5,232 |
| Memoranda: | ||
| Average total assets | $145,790,000 | 3,747 |
| Average earning assets | $125,808,670 | 3,893 |
| Average equity | $12,322,670 | 4,338 |
| Average total loans | $84,778,330 | 3,798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 1,062 |
| Cost of funding earning assets | 0.5903% | 2,062 |
| Net interest margin | 4.2031% | 1,211 |
| Noninterest income to average assets | 1.2958% | 667 |
| Noninterest expense to average assets | 4.6181% | 405 |
| Loan and lease loss provision to assets | 0.2409% | 911 |
| Net operating income to assets | 0.0776% | 6,075 |
| Return on assets (ROA) | -0.0964% | 6,291 |
| Pretax return on assets | -0.0964% | 6,284 |
| Return on Equity (ROE) | -1.1669% | 6,310 |
| Retained earnings to average equity (ytd only) | -1.1669% | 5,756 |
| Net charge-offs to loans | 0.5455% | 676 |
| Credit loss provision to net charge-offs | 76.2712% | 1,940 |
| Earnings coverage of net charge-offs (x) | 1.0085% | 3,208 |
| Efficiency ratio | 93.5466% | 776 |
| Assets per employee ($millions) | 2.7059% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9046% | 480 |
| Loan loss allowance to noncurrent loans | 21.7403% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 13.0978% | 57 |
| Noncurrent loans to loans | 13.3603% | 52 |
| Net loans and leases to total assets | 55.2732% | 4,241 |
| Net loans and leases to deposits | 61.1248% | 4,652 |
| Net loans and leases to core deposits | 64.4979% | 4,647 |
| Total domestic deposits to total assets | 90.4268% | 843 |
| Equity capital to assets | 8.5973% | 5,550 |
| Core capital (leverage) ratio | 8.4580% | 5,693 |
| Tier 1 risk-based capital ratio | 10.9975% | 6,159 |
| Total risk-based capital ratio | 12.2582% | 6,105 |
| Memoranda: | ||
| Average total assets | $149,411,000 | 3,711 |
| Average earning assets | $129,429,500 | 3,849 |
| Average equity | $12,340,500 | 4,364 |
| Average total loans | $86,519,000 | 3,785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 912 |
| Cost of funding earning assets | 0.6759% | 1,993 |
| Net interest margin | 4.3318% | 1,030 |
| Noninterest income to average assets | 0.6392% | 2,869 |
| Noninterest expense to average assets | 4.2727% | 648 |
| Loan and lease loss provision to assets | 2.3583% | 33 |
| Net operating income to assets | -2.1479% | 6,724 |
| Return on assets (ROA) | -1.9382% | 6,708 |
| Pretax return on assets | -1.9382% | 6,705 |
| Return on Equity (ROE) | -19.8668% | 6,684 |
| Retained earnings to average equity (ytd only) | -20.8293% | 6,676 |
| Net charge-offs to loans | 3.3166% | 65 |
| Credit loss provision to net charge-offs | 116.8062% | 2,059 |
| Earnings coverage of net charge-offs (x) | 0.1042% | 5,051 |
| Efficiency ratio | 95.3079% | 681 |
| Assets per employee ($millions) | 2.7765% | 6,140 |
| Cash dividends to net income (ytd only)* | -4.8450% | 6,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7198% | 652 |
| Loan loss allowance to noncurrent loans | 26.1195% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 11.1823% | 104 |
| Noncurrent loans to loans | 10.4130% | 103 |
| Net loans and leases to total assets | 57.2440% | 4,158 |
| Net loans and leases to deposits | 64.6647% | 4,445 |
| Net loans and leases to core deposits | 67.9627% | 4,518 |
| Total domestic deposits to total assets | 88.5244% | 1,897 |
| Equity capital to assets | 7.9362% | 6,067 |
| Core capital (leverage) ratio | 7.8618% | 6,214 |
| Tier 1 risk-based capital ratio | 12.9467% | 5,016 |
| Total risk-based capital ratio | 14.2130% | 4,955 |
| Memoranda: | ||
| Average total assets | $159,736,200 | 3,563 |
| Average earning assets | $141,742,200 | 3,638 |
| Average equity | $15,583,800 | 3,769 |
| Average total loans | $97,239,200 | 3,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 997 |
| Cost of funding earning assets | 0.6806% | 2,095 |
| Net interest margin | 4.2891% | 1,118 |
| Noninterest income to average assets | 0.8165% | 2,069 |
| Noninterest expense to average assets | 4.1355% | 733 |
| Loan and lease loss provision to assets | 0.6275% | 373 |
| Net operating income to assets | -0.1222% | 6,404 |
| Return on assets (ROA) | 0.1527% | 6,099 |
| Pretax return on assets | 0.1527% | 6,127 |
| Return on Equity (ROE) | 1.4995% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.2837% | 5,854 |
| Net charge-offs to loans | 0.8128% | 720 |
| Credit loss provision to net charge-offs | 125.8278% | 1,870 |
| Earnings coverage of net charge-offs (x) | 1.0132% | 4,506 |
| Efficiency ratio | 89.1123% | 1,076 |
| Assets per employee ($millions) | 2.8996% | 6,012 |
| Cash dividends to net income (ytd only)* | 81.0833% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1747% | 1,370 |
| Loan loss allowance to noncurrent loans | 20.6006% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 11.7512% | 97 |
| Noncurrent loans to loans | 10.5566% | 114 |
| Net loans and leases to total assets | 59.1231% | 3,834 |
| Net loans and leases to deposits | 68.3170% | 4,024 |
| Net loans and leases to core deposits | 72.9603% | 3,976 |
| Total domestic deposits to total assets | 86.5423% | 2,937 |
| Equity capital to assets | 9.9483% | 3,969 |
| Core capital (leverage) ratio | 9.9215% | 3,786 |
| Tier 1 risk-based capital ratio | 15.4269% | 3,508 |
| Total risk-based capital ratio | 16.6865% | 3,457 |
| Memoranda: | ||
| Average total assets | $161,493,750 | 3,571 |
| Average earning assets | $143,988,250 | 3,637 |
| Average equity | $16,450,000 | 3,679 |
| Average total loans | $99,084,250 | 3,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 1,018 |
| Cost of funding earning assets | 0.6873% | 2,160 |
| Net interest margin | 4.2509% | 1,139 |
| Noninterest income to average assets | 0.6633% | 2,835 |
| Noninterest expense to average assets | 4.1525% | 736 |
| Loan and lease loss provision to assets | 0.5149% | 519 |
| Net operating income to assets | -0.1827% | 6,484 |
| Return on assets (ROA) | 0.2256% | 5,954 |
| Pretax return on assets | 0.2256% | 6,039 |
| Return on Equity (ROE) | 2.1982% | 5,885 |
| Retained earnings to average equity (ytd only) | 0.4062% | 5,735 |
| Net charge-offs to loans | 0.0716% | 3,688 |
| Credit loss provision to net charge-offs | 1,166.6667% | 265 |
| Earnings coverage of net charge-offs (x) | 7.5278% | 2,534 |
| Efficiency ratio | 92.5916% | 853 |
| Assets per employee ($millions) | 3.0466% | 5,772 |
| Cash dividends to net income (ytd only)* | 81.5217% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3420% | 1,190 |
| Loan loss allowance to noncurrent loans | 23.5476% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 11.4252% | 115 |
| Noncurrent loans to loans | 9.9458% | 159 |
| Net loans and leases to total assets | 60.1703% | 3,625 |
| Net loans and leases to deposits | 69.7111% | 3,757 |
| Net loans and leases to core deposits | 74.2507% | 3,773 |
| Total domestic deposits to total assets | 86.3138% | 3,198 |
| Equity capital to assets | 10.0958% | 3,796 |
| Core capital (leverage) ratio | 9.9291% | 3,623 |
| Tier 1 risk-based capital ratio | 15.2480% | 3,629 |
| Total risk-based capital ratio | 16.5100% | 3,579 |
| Memoranda: | ||
| Average total assets | $163,131,670 | 3,568 |
| Average earning assets | $146,651,670 | 3,619 |
| Average equity | $16,741,000 | 3,663 |
| Average total loans | $100,568,000 | 3,470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 1,338 |
| Cost of funding earning assets | 0.6962% | 2,251 |
| Net interest margin | 4.0794% | 1,526 |
| Noninterest income to average assets | 0.4834% | 3,898 |
| Noninterest expense to average assets | 4.0777% | 812 |
| Loan and lease loss provision to assets | 0.7976% | 272 |
| Net operating income to assets | -0.6671% | 6,730 |
| Return on assets (ROA) | -0.6671% | 6,745 |
| Pretax return on assets | -0.6671% | 6,719 |
| Return on Equity (ROE) | -6.4507% | 6,729 |
| Retained earnings to average equity (ytd only) | -9.9565% | 6,616 |
| Net charge-offs to loans | 0.0118% | 3,908 |
| Credit loss provision to net charge-offs | 11,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,283 |
| Efficiency ratio | 96.8983% | 686 |
| Assets per employee ($millions) | 2.7254% | 6,372 |
| Cash dividends to net income (ytd only)* | -54.3478% | 6,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,596 |
| Loan loss allowance to noncurrent loans | 22.5950% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 9.1940% | 232 |
| Noncurrent loans to loans | 9.7070% | 224 |
| Net loans and leases to total assets | 61.8149% | 3,100 |
| Net loans and leases to deposits | 69.6891% | 3,541 |
| Net loans and leases to core deposits | 74.0165% | 3,573 |
| Total domestic deposits to total assets | 88.7009% | 1,869 |
| Equity capital to assets | 10.4303% | 3,631 |
| Core capital (leverage) ratio | 9.3108% | 4,382 |
| Tier 1 risk-based capital ratio | 15.5019% | 3,526 |
| Total risk-based capital ratio | 16.7635% | 3,481 |
| Memoranda: | ||
| Average total assets | $165,486,500 | 3,575 |
| Average earning assets | $151,101,000 | 3,573 |
| Average equity | $17,114,500 | 3,651 |
| Average total loans | $102,047,500 | 3,462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5300% | 588 |
| Cost of funding earning assets | 0.9022% | 1,920 |
| Net interest margin | 4.6278% | 747 |
| Noninterest income to average assets | 0.3235% | 5,145 |
| Noninterest expense to average assets | 3.7821% | 1,286 |
| Loan and lease loss provision to assets | 0.2569% | 2,594 |
| Net operating income to assets | 0.5045% | 4,677 |
| Return on assets (ROA) | 0.5921% | 4,536 |
| Pretax return on assets | 0.5921% | 5,017 |
| Return on Equity (ROE) | 5.8210% | 4,253 |
| Retained earnings to average equity (ytd only) | 0.9415% | 5,399 |
| Net charge-offs to loans | 0.6681% | 1,765 |
| Credit loss provision to net charge-offs | 61.1961% | 4,413 |
| Earnings coverage of net charge-offs (x) | 1.8136% | 4,525 |
| Efficiency ratio | 83.2412% | 1,716 |
| Assets per employee ($millions) | 2.8362% | 6,264 |
| Cash dividends to net income (ytd only)* | 83.8264% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 2,424 |
| Loan loss allowance to noncurrent loans | 28.7572% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 6.9124% | 450 |
| Noncurrent loans to loans | 6.4548% | 525 |
| Net loans and leases to total assets | 59.0961% | 3,775 |
| Net loans and leases to deposits | 66.9042% | 4,146 |
| Net loans and leases to core deposits | 70.7850% | 4,195 |
| Total domestic deposits to total assets | 88.3295% | 2,011 |
| Equity capital to assets | 10.2584% | 3,814 |
| Core capital (leverage) ratio | 9.3295% | 4,360 |
| Tier 1 risk-based capital ratio | 15.5821% | 3,383 |
| Total risk-based capital ratio | 16.8397% | 3,340 |
| Memoranda: | ||
| Average total assets | $171,252,200 | 3,435 |
| Average earning assets | $156,166,000 | 3,442 |
| Average equity | $17,419,600 | 3,554 |
| Average total loans | $107,614,400 | 3,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 453 |
| Cost of funding earning assets | 0.9251% | 2,014 |
| Net interest margin | 4.7868% | 573 |
| Noninterest income to average assets | 0.2355% | 5,865 |
| Noninterest expense to average assets | 3.7514% | 1,288 |
| Loan and lease loss provision to assets | 0.1399% | 3,785 |
| Net operating income to assets | 0.7043% | 3,897 |
| Return on assets (ROA) | 0.8209% | 3,585 |
| Pretax return on assets | 0.8209% | 4,412 |
| Return on Equity (ROE) | 8.0870% | 3,246 |
| Retained earnings to average equity (ytd only) | 2.3434% | 5,163 |
| Net charge-offs to loans | 0.0086% | 5,600 |
| Credit loss provision to net charge-offs | 2,571.4286% | 105 |
| Earnings coverage of net charge-offs (x) | 155.1940% | 283 |
| Efficiency ratio | 81.6306% | 1,847 |
| Assets per employee ($millions) | 2.8375% | 6,313 |
| Cash dividends to net income (ytd only)* | 71.0233% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 1,735 |
| Loan loss allowance to noncurrent loans | 70.9162% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 5.2164% | 833 |
| Noncurrent loans to loans | 3.0800% | 1,806 |
| Net loans and leases to total assets | 61.8941% | 3,402 |
| Net loans and leases to deposits | 70.0890% | 3,884 |
| Net loans and leases to core deposits | 74.3713% | 3,926 |
| Total domestic deposits to total assets | 88.3079% | 1,843 |
| Equity capital to assets | 10.4081% | 3,949 |
| Core capital (leverage) ratio | 9.2605% | 4,661 |
| Tier 1 risk-based capital ratio | 15.2756% | 3,659 |
| Total risk-based capital ratio | 16.5368% | 3,607 |
| Memoranda: | ||
| Average total assets | $171,522,250 | 3,461 |
| Average earning assets | $156,232,750 | 3,484 |
| Average equity | $17,410,250 | 3,586 |
| Average total loans | $108,901,250 | 3,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 390 |
| Cost of funding earning assets | 0.9650% | 1,965 |
| Net interest margin | 4.8622% | 503 |
| Noninterest income to average assets | 0.0512% | 6,851 |
| Noninterest expense to average assets | 3.7361% | 1,319 |
| Loan and lease loss provision to assets | 0.1396% | 3,772 |
| Net operating income to assets | 0.6060% | 4,346 |
| Return on assets (ROA) | 0.7805% | 3,733 |
| Pretax return on assets | 0.7805% | 4,543 |
| Return on Equity (ROE) | 7.7541% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.7095% | 4,132 |
| Net charge-offs to loans | -0.1299% | 6,911 |
| Credit loss provision to net charge-offs | -169.0141% | 6,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3636% | 1,699 |
| Assets per employee ($millions) | 2.8069% | 6,394 |
| Cash dividends to net income (ytd only)* | 52.1610% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,834 |
| Loan loss allowance to noncurrent loans | 273.9884% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 3.4598% | 1,543 |
| Noncurrent loans to loans | 0.7935% | 4,928 |
| Net loans and leases to total assets | 61.2797% | 3,577 |
| Net loans and leases to deposits | 69.1847% | 4,014 |
| Net loans and leases to core deposits | 73.2628% | 4,129 |
| Total domestic deposits to total assets | 88.5741% | 1,773 |
| Equity capital to assets | 10.1922% | 4,059 |
| Core capital (leverage) ratio | 9.1980% | 4,616 |
| Tier 1 risk-based capital ratio | 15.2714% | 3,590 |
| Total risk-based capital ratio | 16.5331% | 3,544 |
| Memoranda: | ||
| Average total assets | $171,945,670 | 3,472 |
| Average earning assets | $156,677,670 | 3,486 |
| Average equity | $17,307,000 | 3,596 |
| Average total loans | $109,292,000 | 3,357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 383 |
| Cost of funding earning assets | 1.0416% | 1,733 |
| Net interest margin | 4.8173% | 542 |
| Noninterest income to average assets | 0.8121% | 2,105 |
| Noninterest expense to average assets | 3.7424% | 1,312 |
| Loan and lease loss provision to assets | 0.1404% | 3,598 |
| Net operating income to assets | 1.3130% | 1,424 |
| Return on assets (ROA) | 1.3130% | 1,590 |
| Pretax return on assets | 1.3130% | 2,496 |
| Return on Equity (ROE) | 13.1289% | 1,377 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,800 |
| Net charge-offs to loans | 0.1937% | 2,956 |
| Credit loss provision to net charge-offs | 113.2075% | 2,086 |
| Earnings coverage of net charge-offs (x) | 11.7170% | 1,653 |
| Efficiency ratio | 72.0270% | 3,439 |
| Assets per employee ($millions) | 3.0129% | 6,127 |
| Cash dividends to net income (ytd only)* | 35.6506% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,390 |
| Loan loss allowance to noncurrent loans | 134.9167% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 4.2318% | 1,286 |
| Noncurrent loans to loans | 1.4739% | 3,909 |
| Net loans and leases to total assets | 61.6835% | 3,322 |
| Net loans and leases to deposits | 69.4102% | 3,816 |
| Net loans and leases to core deposits | 73.5641% | 3,952 |
| Total domestic deposits to total assets | 88.8681% | 1,778 |
| Equity capital to assets | 9.8753% | 4,288 |
| Core capital (leverage) ratio | 9.1670% | 4,573 |
| Tier 1 risk-based capital ratio | 14.7202% | 3,944 |
| Total risk-based capital ratio | 15.9807% | 3,895 |
| Memoranda: | ||
| Average total assets | $170,906,000 | 3,503 |
| Average earning assets | $155,523,000 | 3,522 |
| Average equity | $17,092,000 | 3,633 |
| Average total loans | $109,432,000 | 3,364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 775 |
| Cost of funding earning assets | 1.3249% | 1,366 |
| Net interest margin | 4.3788% | 1,450 |
| Noninterest income to average assets | 0.3432% | 5,069 |
| Noninterest expense to average assets | 3.2765% | 2,599 |
| Loan and lease loss provision to assets | 0.6204% | 1,656 |
| Net operating income to assets | 0.5052% | 4,404 |
| Return on assets (ROA) | 0.9801% | 2,416 |
| Pretax return on assets | 0.9801% | 3,317 |
| Return on Equity (ROE) | 10.7905% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.1678% | 2,529 |
| Net charge-offs to loans | 2.1459% | 610 |
| Credit loss provision to net charge-offs | 44.9322% | 5,535 |
| Earnings coverage of net charge-offs (x) | 0.8152% | 5,187 |
| Efficiency ratio | 74.4305% | 3,156 |
| Assets per employee ($millions) | 2.9309% | 6,227 |
| Cash dividends to net income (ytd only)* | 52.1079% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 2,269 |
| Loan loss allowance to noncurrent loans | 115.9574% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 4.3654% | 1,270 |
| Noncurrent loans to loans | 1.7266% | 3,577 |
| Net loans and leases to total assets | 63.8715% | 3,216 |
| Net loans and leases to deposits | 72.0970% | 3,776 |
| Net loans and leases to core deposits | 76.9217% | 3,838 |
| Total domestic deposits to total assets | 88.5911% | 1,788 |
| Equity capital to assets | 10.1322% | 3,994 |
| Core capital (leverage) ratio | 8.6462% | 5,321 |
| Tier 1 risk-based capital ratio | 14.3691% | 4,067 |
| Total risk-based capital ratio | 15.6304% | 4,027 |
| Memoranda: | ||
| Average total assets | $181,506,000 | 3,307 |
| Average earning assets | $168,242,800 | 3,273 |
| Average equity | $16,486,800 | 3,652 |
| Average total loans | $116,779,600 | 3,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 970 |
| Cost of funding earning assets | 1.3744% | 1,345 |
| Net interest margin | 4.2579% | 1,883 |
| Noninterest income to average assets | 0.2975% | 5,480 |
| Noninterest expense to average assets | 3.1216% | 3,084 |
| Loan and lease loss provision to assets | 0.4120% | 2,405 |
| Net operating income to assets | 0.7289% | 3,469 |
| Return on assets (ROA) | 0.8629% | 3,049 |
| Pretax return on assets | 0.8629% | 3,904 |
| Return on Equity (ROE) | 9.7534% | 2,295 |
| Retained earnings to average equity (ytd only) | 4.4452% | 3,561 |
| Net charge-offs to loans | 2.4790% | 441 |
| Credit loss provision to net charge-offs | 25.9058% | 5,476 |
| Earnings coverage of net charge-offs (x) | 0.7174% | 5,084 |
| Efficiency ratio | 73.2342% | 3,329 |
| Assets per employee ($millions) | 3.6658% | 4,604 |
| Cash dividends to net income (ytd only)* | 54.4241% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,212 |
| Loan loss allowance to noncurrent loans | 109.2561% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 3.3745% | 1,878 |
| Noncurrent loans to loans | 1.5720% | 3,941 |
| Net loans and leases to total assets | 55.6198% | 4,897 |
| Net loans and leases to deposits | 61.6474% | 5,447 |
| Net loans and leases to core deposits | 68.4257% | 5,129 |
| Total domestic deposits to total assets | 90.2224% | 758 |
| Equity capital to assets | 8.7591% | 6,024 |
| Core capital (leverage) ratio | 8.1937% | 6,141 |
| Tier 1 risk-based capital ratio | 12.8087% | 5,240 |
| Total risk-based capital ratio | 14.0660% | 5,219 |
| Memoranda: | ||
| Average total assets | $185,117,000 | 3,273 |
| Average earning assets | $172,380,750 | 3,212 |
| Average equity | $16,376,750 | 3,681 |
| Average total loans | $118,753,250 | 3,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 788 |
| Cost of funding earning assets | 1.4382% | 1,242 |
| Net interest margin | 4.3147% | 1,613 |
| Noninterest income to average assets | 0.3141% | 5,384 |
| Noninterest expense to average assets | 3.1044% | 3,236 |
| Loan and lease loss provision to assets | 0.4700% | 2,106 |
| Net operating income to assets | 0.7709% | 3,197 |
| Return on assets (ROA) | 0.9766% | 2,429 |
| Pretax return on assets | 0.9766% | 3,328 |
| Return on Equity (ROE) | 10.9990% | 1,800 |
| Retained earnings to average equity (ytd only) | 4.4345% | 3,371 |
| Net charge-offs to loans | 3.1985% | 303 |
| Credit loss provision to net charge-offs | 21.9638% | 5,109 |
| Earnings coverage of net charge-offs (x) | 0.5798% | 4,867 |
| Efficiency ratio | 71.4431% | 3,840 |
| Assets per employee ($millions) | 3.2546% | 5,513 |
| Cash dividends to net income (ytd only)* | 59.6829% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 3,124 |
| Loan loss allowance to noncurrent loans | 104.7522% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 3.2547% | 2,057 |
| Noncurrent loans to loans | 1.6797% | 3,906 |
| Net loans and leases to total assets | 63.9431% | 3,473 |
| Net loans and leases to deposits | 71.5836% | 4,190 |
| Net loans and leases to core deposits | 82.4295% | 3,443 |
| Total domestic deposits to total assets | 89.3264% | 1,344 |
| Equity capital to assets | 9.3434% | 5,090 |
| Core capital (leverage) ratio | 7.9955% | 6,304 |
| Tier 1 risk-based capital ratio | 12.7251% | 5,156 |
| Total risk-based capital ratio | 13.9825% | 5,125 |
| Memoranda: | ||
| Average total assets | $180,838,330 | 3,356 |
| Average earning assets | $168,958,670 | 3,292 |
| Average equity | $16,056,000 | 3,726 |
| Average total loans | $120,996,000 | 3,205 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9217% | 569 |
| Cost of funding earning assets | 1.4979% | 1,166 |
| Net interest margin | 4.4239% | 1,231 |
| Noninterest income to average assets | 0.5128% | 3,781 |
| Noninterest expense to average assets | 3.0899% | 3,294 |
| Loan and lease loss provision to assets | 0.5502% | 1,573 |
| Net operating income to assets | 1.0586% | 1,980 |
| Return on assets (ROA) | 1.0586% | 2,031 |
| Pretax return on assets | 1.0586% | 2,905 |
| Return on Equity (ROE) | 12.2380% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.9182% | 3,818 |
| Net charge-offs to loans | -0.0227% | 6,613 |
| Credit loss provision to net charge-offs | -3,571.4286% | 6,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7611% | 5,070 |
| Assets per employee ($millions) | 3.3991% | 5,239 |
| Cash dividends to net income (ytd only)* | 67.9834% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1228% | 823 |
| Loan loss allowance to noncurrent loans | 65.8330% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 3.9264% | 1,700 |
| Noncurrent loans to loans | 4.7434% | 1,451 |
| Net loans and leases to total assets | 64.5131% | 3,350 |
| Net loans and leases to deposits | 72.4960% | 3,985 |
| Net loans and leases to core deposits | 83.2700% | 3,265 |
| Total domestic deposits to total assets | 88.9884% | 1,779 |
| Equity capital to assets | 8.6226% | 5,749 |
| Core capital (leverage) ratio | 7.7817% | 6,480 |
| Tier 1 risk-based capital ratio | 12.3964% | 5,357 |
| Total risk-based capital ratio | 13.6727% | 5,316 |
| Memoranda: | ||
| Average total assets | $181,756,000 | 3,368 |
| Average earning assets | $171,976,500 | 3,271 |
| Average equity | $15,721,500 | 3,773 |
| Average total loans | $123,239,000 | 3,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0430% | 781 |
| Cost of funding earning assets | 1.6545% | 1,805 |
| Net interest margin | 4.3885% | 1,517 |
| Noninterest income to average assets | 0.2198% | 6,235 |
| Noninterest expense to average assets | 2.9520% | 4,028 |
| Loan and lease loss provision to assets | 1.2467% | 1,246 |
| Net operating income to assets | 0.1980% | 5,266 |
| Return on assets (ROA) | 0.1947% | 5,455 |
| Pretax return on assets | 0.1947% | 5,498 |
| Return on Equity (ROE) | 2.1879% | 5,317 |
| Retained earnings to average equity (ytd only) | -11.6104% | 6,744 |
| Net charge-offs to loans | 0.4054% | 4,018 |
| Credit loss provision to net charge-offs | 465.6250% | 493 |
| Earnings coverage of net charge-offs (x) | 5.3958% | 2,636 |
| Efficiency ratio | 67.1403% | 4,735 |
| Assets per employee ($millions) | 3.2136% | 5,637 |
| Cash dividends to net income (ytd only)* | 630.6590% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8653% | 989 |
| Loan loss allowance to noncurrent loans | 52.7955% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 4.0792% | 1,657 |
| Noncurrent loans to loans | 5.4271% | 1,212 |
| Net loans and leases to total assets | 67.0627% | 3,205 |
| Net loans and leases to deposits | 75.4721% | 3,922 |
| Net loans and leases to core deposits | 87.9136% | 3,068 |
| Total domestic deposits to total assets | 88.8575% | 1,740 |
| Equity capital to assets | 8.6775% | 5,615 |
| Core capital (leverage) ratio | 7.5914% | 6,625 |
| Tier 1 risk-based capital ratio | 12.1918% | 5,300 |
| Total risk-based capital ratio | 13.4631% | 5,257 |
| Memoranda: | ||
| Average total assets | $179,268,000 | 3,391 |
| Average earning assets | $170,626,000 | 3,268 |
| Average equity | $15,951,200 | 3,775 |
| Average total loans | $118,399,200 | 3,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0524% | 838 |
| Cost of funding earning assets | 1.6811% | 1,959 |
| Net interest margin | 4.3713% | 1,610 |
| Noninterest income to average assets | 0.2829% | 5,849 |
| Noninterest expense to average assets | 2.9004% | 4,089 |
| Loan and lease loss provision to assets | 0.4095% | 3,446 |
| Net operating income to assets | 1.1331% | 1,787 |
| Return on assets (ROA) | 1.1279% | 1,912 |
| Pretax return on assets | 1.1279% | 2,740 |
| Return on Equity (ROE) | 12.5971% | 1,363 |
| Retained earnings to average equity (ytd only) | -2.4446% | 6,274 |
| Net charge-offs to loans | 0.1311% | 5,246 |
| Credit loss provision to net charge-offs | 478.2609% | 620 |
| Earnings coverage of net charge-offs (x) | 18.0173% | 1,290 |
| Efficiency ratio | 65.2815% | 5,007 |
| Assets per employee ($millions) | 3.4675% | 5,062 |
| Cash dividends to net income (ytd only)* | 119.4059% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,775 |
| Loan loss allowance to noncurrent loans | 80.6695% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.8315% | 3,702 |
| Noncurrent loans to loans | 2.2367% | 3,409 |
| Net loans and leases to total assets | 66.3614% | 3,605 |
| Net loans and leases to deposits | 78.4196% | 3,753 |
| Net loans and leases to core deposits | 92.2541% | 2,759 |
| Total domestic deposits to total assets | 84.6235% | 3,818 |
| Equity capital to assets | 10.0566% | 4,084 |
| Core capital (leverage) ratio | 8.4528% | 5,595 |
| Tier 1 risk-based capital ratio | 13.4153% | 4,257 |
| Total risk-based capital ratio | 14.6734% | 4,211 |
| Memoranda: | ||
| Average total assets | $179,095,000 | 3,434 |
| Average earning assets | $170,441,750 | 3,318 |
| Average equity | $16,035,000 | 3,799 |
| Average total loans | $116,937,500 | 3,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0545% | 837 |
| Cost of funding earning assets | 1.6969% | 2,132 |
| Net interest margin | 4.3576% | 1,570 |
| Noninterest income to average assets | 0.2794% | 5,916 |
| Noninterest expense to average assets | 2.8355% | 4,332 |
| Loan and lease loss provision to assets | 0.3830% | 3,420 |
| Net operating income to assets | 1.2065% | 1,540 |
| Return on assets (ROA) | 1.1986% | 1,637 |
| Pretax return on assets | 1.1986% | 2,422 |
| Return on Equity (ROE) | 13.9822% | 1,044 |
| Retained earnings to average equity (ytd only) | -3.5218% | 6,374 |
| Net charge-offs to loans | -0.1240% | 7,586 |
| Credit loss provision to net charge-offs | -478.8732% | 6,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0784% | 5,323 |
| Assets per employee ($millions) | 3.1109% | 5,895 |
| Cash dividends to net income (ytd only)* | 125.1880% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,477 |
| Loan loss allowance to noncurrent loans | 128.4473% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 4,660 |
| Noncurrent loans to loans | 1.4625% | 4,516 |
| Net loans and leases to total assets | 64.1789% | 4,225 |
| Net loans and leases to deposits | 72.6284% | 4,890 |
| Net loans and leases to core deposits | 86.7459% | 3,733 |
| Total domestic deposits to total assets | 88.3661% | 1,795 |
| Equity capital to assets | 9.6076% | 4,532 |
| Core capital (leverage) ratio | 8.6507% | 5,153 |
| Tier 1 risk-based capital ratio | 13.8969% | 3,802 |
| Total risk-based capital ratio | 15.1550% | 3,756 |
| Memoranda: | ||
| Average total assets | $177,533,330 | 3,475 |
| Average earning assets | $168,898,670 | 3,358 |
| Average equity | $15,219,330 | 3,946 |
| Average total loans | $114,516,670 | 3,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1714% | 680 |
| Cost of funding earning assets | 1.6742% | 2,518 |
| Net interest margin | 4.4972% | 1,149 |
| Noninterest income to average assets | 0.3112% | 5,660 |
| Noninterest expense to average assets | 2.8327% | 4,358 |
| Loan and lease loss provision to assets | 0.2953% | 3,668 |
| Net operating income to assets | 1.4607% | 960 |
| Return on assets (ROA) | 1.4675% | 1,021 |
| Pretax return on assets | 1.4675% | 1,600 |
| Return on Equity (ROE) | 18.2467% | 496 |
| Retained earnings to average equity (ytd only) | -8.7279% | 6,878 |
| Net charge-offs to loans | -0.2625% | 7,721 |
| Credit loss provision to net charge-offs | -175.6757% | 6,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7327% | 5,881 |
| Assets per employee ($millions) | 3.3527% | 5,426 |
| Cash dividends to net income (ytd only)* | 147.8328% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,819 |
| Loan loss allowance to noncurrent loans | 137.1078% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 4,956 |
| Noncurrent loans to loans | 1.2932% | 4,818 |
| Net loans and leases to total assets | 62.6639% | 4,623 |
| Net loans and leases to deposits | 69.5025% | 5,409 |
| Net loans and leases to core deposits | 83.0047% | 4,341 |
| Total domestic deposits to total assets | 90.1606% | 910 |
| Equity capital to assets | 7.9930% | 6,660 |
| Core capital (leverage) ratio | 7.5608% | 6,782 |
| Tier 1 risk-based capital ratio | 12.4097% | 4,830 |
| Total risk-based capital ratio | 13.6658% | 4,772 |
| Memoranda: | ||
| Average total assets | $176,085,000 | 3,559 |
| Average earning assets | $167,483,000 | 3,436 |
| Average equity | $14,161,500 | 4,209 |
| Average total loans | $112,767,500 | 3,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3443% | 947 |
| Cost of funding earning assets | 1.9201% | 3,353 |
| Net interest margin | 4.4241% | 1,363 |
| Noninterest income to average assets | 0.3234% | 5,768 |
| Noninterest expense to average assets | 3.0259% | 4,047 |
| Loan and lease loss provision to assets | 0.4027% | 4,402 |
| Net operating income to assets | 1.1039% | 1,500 |
| Return on assets (ROA) | 1.1058% | 1,530 |
| Pretax return on assets | 1.1058% | 2,230 |
| Return on Equity (ROE) | 14.0377% | 776 |
| Retained earnings to average equity (ytd only) | 1.5660% | 3,980 |
| Net charge-offs to loans | 0.0205% | 6,941 |
| Credit loss provision to net charge-offs | 3,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 112.2381% | 251 |
| Efficiency ratio | 66.7607% | 5,236 |
| Assets per employee ($millions) | 2.9572% | 6,329 |
| Cash dividends to net income (ytd only)* | 88.8439% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 3,241 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 4,722 |
| Noncurrent loans to loans | 1.3800% | 4,614 |
| Net loans and leases to total assets | 63.2574% | 4,759 |
| Net loans and leases to deposits | 74.3491% | 4,982 |
| Net loans and leases to core deposits | 93.1321% | 4,765 |
| Total domestic deposits to total assets | 85.0816% | 3,516 |
| Equity capital to assets | 8.0928% | 6,470 |
| Core capital (leverage) ratio | 7.7124% | 6,546 |
| Tier 1 risk-based capital ratio | 12.6746% | 4,383 |
| Total risk-based capital ratio | 13.9299% | 4,313 |
| Memoranda: | ||
| Average total assets | $156,448,400 | 3,847 |
| Average earning assets | $148,843,000 | 3,738 |
| Average equity | $12,324,000 | 4,671 |
| Average total loans | $102,605,800 | 3,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4356% | 865 |
| Cost of funding earning assets | 1.9452% | 3,636 |
| Net interest margin | 4.4904% | 1,216 |
| Noninterest income to average assets | 0.3273% | 5,866 |
| Noninterest expense to average assets | 3.0976% | 3,657 |
| Loan and lease loss provision to assets | 0.3510% | 4,217 |
| Net operating income to assets | 1.1469% | 1,593 |
| Return on assets (ROA) | 1.1495% | 1,657 |
| Pretax return on assets | 1.1495% | 2,418 |
| Return on Equity (ROE) | 14.7084% | 809 |
| Retained earnings to average equity (ytd only) | 3.2898% | 3,469 |
| Net charge-offs to loans | -0.0133% | 7,717 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4050% | 5,097 |
| Assets per employee ($millions) | 2.9860% | 6,197 |
| Cash dividends to net income (ytd only)* | 77.6339% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 3,466 |
| Loan loss allowance to noncurrent loans | 130.7317% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 5,579 |
| Noncurrent loans to loans | 1.1448% | 5,032 |
| Net loans and leases to total assets | 64.4452% | 4,765 |
| Net loans and leases to deposits | 74.6609% | 5,271 |
| Net loans and leases to core deposits | 97.5285% | 4,659 |
| Total domestic deposits to total assets | 86.3172% | 2,529 |
| Equity capital to assets | 8.6837% | 5,976 |
| Core capital (leverage) ratio | 7.9995% | 6,359 |
| Tier 1 risk-based capital ratio | 13.0022% | 4,191 |
| Total risk-based capital ratio | 14.2553% | 4,121 |
| Memoranda: | ||
| Average total assets | $151,941,500 | 3,948 |
| Average earning assets | $144,421,750 | 3,833 |
| Average equity | $11,875,000 | 4,827 |
| Average total loans | $100,213,500 | 3,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5147% | 796 |
| Cost of funding earning assets | 1.9946% | 3,805 |
| Net interest margin | 4.5201% | 1,121 |
| Noninterest income to average assets | 0.3206% | 5,945 |
| Noninterest expense to average assets | 3.1208% | 3,620 |
| Loan and lease loss provision to assets | 0.3923% | 3,563 |
| Net operating income to assets | 1.0930% | 1,797 |
| Return on assets (ROA) | 1.0971% | 1,859 |
| Pretax return on assets | 1.0971% | 2,649 |
| Return on Equity (ROE) | 14.6394% | 882 |
| Retained earnings to average equity (ytd only) | 4.4406% | 2,823 |
| Net charge-offs to loans | -0.0123% | 7,633 |
| Credit loss provision to net charge-offs | -4,833.3333% | 7,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7533% | 5,198 |
| Assets per employee ($millions) | 3.0518% | 5,995 |
| Cash dividends to net income (ytd only)* | 69.6671% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 3,677 |
| Loan loss allowance to noncurrent loans | 137.8229% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 5,700 |
| Noncurrent loans to loans | 1.0220% | 5,170 |
| Net loans and leases to total assets | 63.4532% | 5,089 |
| Net loans and leases to deposits | 73.0220% | 5,606 |
| Net loans and leases to core deposits | 95.2836% | 4,980 |
| Total domestic deposits to total assets | 86.8960% | 2,307 |
| Equity capital to assets | 7.9170% | 6,850 |
| Core capital (leverage) ratio | 8.0692% | 6,216 |
| Tier 1 risk-based capital ratio | 12.9275% | 4,201 |
| Total risk-based capital ratio | 14.1789% | 4,110 |
| Memoranda: | ||
| Average total assets | $147,846,000 | 4,034 |
| Average earning assets | $140,175,330 | 3,944 |
| Average equity | $11,079,670 | 5,067 |
| Average total loans | $97,803,000 | 4,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6538% | 633 |
| Cost of funding earning assets | 1.9883% | 4,190 |
| Net interest margin | 4.6656% | 834 |
| Noninterest income to average assets | 0.3702% | 5,460 |
| Noninterest expense to average assets | 3.0853% | 3,432 |
| Loan and lease loss provision to assets | 0.4707% | 2,596 |
| Net operating income to assets | 1.2255% | 1,579 |
| Return on assets (ROA) | 1.2255% | 1,683 |
| Pretax return on assets | 1.2255% | 2,529 |
| Return on Equity (ROE) | 16.9176% | 698 |
| Retained earnings to average equity (ytd only) | 4.4374% | 3,452 |
| Net charge-offs to loans | -0.0128% | 7,335 |
| Credit loss provision to net charge-offs | -5,466.6667% | 6,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5258% | 5,595 |
| Assets per employee ($millions) | 2.6848% | 6,921 |
| Cash dividends to net income (ytd only)* | 73.7705% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,550 |
| Loan loss allowance to noncurrent loans | 170.1995% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 5,096 |
| Noncurrent loans to loans | 0.8173% | 5,401 |
| Net loans and leases to total assets | 66.7407% | 4,402 |
| Net loans and leases to deposits | 75.0694% | 5,332 |
| Net loans and leases to core deposits | 101.0211% | 4,436 |
| Total domestic deposits to total assets | 88.9053% | 1,267 |
| Equity capital to assets | 7.1038% | 7,620 |
| Core capital (leverage) ratio | 7.1695% | 7,511 |
| Tier 1 risk-based capital ratio | 10.8455% | 6,048 |
| Total risk-based capital ratio | 12.0967% | 5,949 |
| Memoranda: | ||
| Average total assets | $139,370,500 | 4,200 |
| Average earning assets | $131,773,500 | 4,111 |
| Average equity | $10,096,000 | 5,356 |
| Average total loans | $93,673,000 | 4,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6804% | 2,103 |
| Cost of funding earning assets | 2.2232% | 5,491 |
| Net interest margin | 4.4572% | 1,524 |
| Noninterest income to average assets | 0.3406% | 6,013 |
| Noninterest expense to average assets | 3.4173% | 2,621 |
| Loan and lease loss provision to assets | 0.2347% | 4,548 |
| Net operating income to assets | 0.8779% | 3,102 |
| Return on assets (ROA) | 0.8795% | 2,943 |
| Pretax return on assets | 0.8846% | 3,776 |
| Return on Equity (ROE) | 10.9948% | 1,909 |
| Retained earnings to average equity (ytd only) | 3.9509% | 2,668 |
| Net charge-offs to loans | 0.1204% | 5,046 |
| Credit loss provision to net charge-offs | 314.7727% | 1,436 |
| Earnings coverage of net charge-offs (x) | 14.9886% | 1,977 |
| Efficiency ratio | 75.3550% | 3,349 |
| Assets per employee ($millions) | 2.4320% | 7,345 |
| Cash dividends to net income (ytd only)* | 64.0655% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 3,520 |
| Loan loss allowance to noncurrent loans | 89.1369% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 4,226 |
| Noncurrent loans to loans | 1.5064% | 3,533 |
| Net loans and leases to total assets | 65.8057% | 4,892 |
| Net loans and leases to deposits | 75.8329% | 5,605 |
| Net loans and leases to core deposits | 105.5887% | 4,237 |
| Total domestic deposits to total assets | 86.7773% | 2,048 |
| Equity capital to assets | 7.3960% | 7,469 |
| Core capital (leverage) ratio | 7.8309% | 6,752 |
| Tier 1 risk-based capital ratio | 12.0126% | 4,812 |
| Total risk-based capital ratio | 13.2682% | 4,692 |
| Memoranda: | ||
| Average total assets | $118,016,600 | 4,568 |
| Average earning assets | $111,057,000 | 4,493 |
| Average equity | $9,440,800 | 5,588 |
| Average total loans | $73,104,600 | 4,773 |