Home > Continental Bank > Performance and Condition Ratios
Continental Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5584% | 188 |
| Cost of funding earning assets | 2.5173% | 837 |
| Net interest margin | 5.0411% | 275 |
| Noninterest income to average assets | 0.6800% | 1,103 |
| Noninterest expense to average assets | 5.5406% | 198 |
| Loan and lease loss provision to assets | 0.4500% | 212 |
| Net operating income to assets | -0.4345% | 4,305 |
| Return on assets (ROA) | -0.4345% | 4,336 |
| Pretax return on assets | -0.4345% | 4,326 |
| Return on Equity (ROE) | -3.0300% | 4,296 |
| Retained earnings to average equity (ytd only) | -4.1316% | 4,033 |
| Net charge-offs to loans | 0.4054% | 315 |
| Credit loss provision to net charge-offs | 131.4815% | 1,096 |
| Earnings coverage of net charge-offs (x) | 0.0432% | 2,227 |
| Efficiency ratio | 99.7342% | 270 |
| Assets per employee ($millions) | 5.8779% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 338 |
| Loan loss allowance to noncurrent loans | 273.0263% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 1,156 |
| Noncurrent loans to loans | 0.7704% | 1,345 |
| Net loans and leases to total assets | 82.1500% | 392 |
| Net loans and leases to deposits | 110.9032% | 150 |
| Net loans and leases to core deposits | 232.7705% | 24 |
| Total domestic deposits to total assets | 74.0800% | 4,068 |
| Equity capital to assets | 14.4445% | 637 |
| Core capital (leverage) ratio | 14.7987% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1182% | 1,040 |
| Memoranda: | ||
| Average total assets | $189,655,500 | 3,086 |
| Average earning assets | $183,530,000 | 3,022 |
| Average equity | $27,205,000 | 2,577 |
| Average total loans | $159,840,500 | 2,674 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8609% | 182 |
| Cost of funding earning assets | 1.7762% | 2,782 |
| Net interest margin | 6.0848% | 104 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 5.3737% | 204 |
| Loan and lease loss provision to assets | 0.3500% | 339 |
| Net operating income to assets | 0.3874% | 3,699 |
| Return on assets (ROA) | 0.3880% | 3,728 |
| Pretax return on assets | 0.3880% | 3,816 |
| Return on Equity (ROE) | 2.5700% | 3,928 |
| Retained earnings to average equity (ytd only) | 1.8246% | 3,437 |
| Net charge-offs to loans | 1.6012% | 91 |
| Credit loss provision to net charge-offs | 25.6667% | 2,441 |
| Earnings coverage of net charge-offs (x) | 0.5446% | 2,976 |
| Efficiency ratio | 88.0004% | 588 |
| Assets per employee ($millions) | 5.9756% | 2,896 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 349 |
| Loan loss allowance to noncurrent loans | 129.5563% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 463 |
| Noncurrent loans to loans | 1.5596% | 602 |
| Net loans and leases to total assets | 82.9200% | 362 |
| Net loans and leases to deposits | 111.7427% | 153 |
| Net loans and leases to core deposits | 330.8241% | 17 |
| Total domestic deposits to total assets | 74.2100% | 4,049 |
| Equity capital to assets | 14.2460% | 645 |
| Core capital (leverage) ratio | 14.3258% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6048% | 1,133 |
| Memoranda: | ||
| Average total assets | $178,369,400 | 3,142 |
| Average earning assets | $170,984,600 | 3,089 |
| Average equity | $26,965,400 | 2,522 |
| Average total loans | $149,889,800 | 2,731 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9159% | 175 |
| Cost of funding earning assets | 1.6683% | 3,016 |
| Net interest margin | 6.2476% | 88 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 5.3452% | 199 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 0.7886% | 2,726 |
| Return on assets (ROA) | 0.7894% | 2,738 |
| Pretax return on assets | 0.7894% | 3,072 |
| Return on Equity (ROE) | 5.1400% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.1491% | 2,791 |
| Net charge-offs to loans | 1.3578% | 97 |
| Credit loss provision to net charge-offs | 19.3182% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.8857% | 2,708 |
| Efficiency ratio | 84.1260% | 810 |
| Assets per employee ($millions) | 5.5296% | 3,251 |
| Cash dividends to net income (ytd only)* | 19.2864% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6846% | 186 |
| Loan loss allowance to noncurrent loans | 110.6095% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 195 |
| Noncurrent loans to loans | 2.4271% | 295 |
| Net loans and leases to total assets | 81.3500% | 476 |
| Net loans and leases to deposits | 112.9388% | 137 |
| Net loans and leases to core deposits | 284.5570% | 21 |
| Total domestic deposits to total assets | 72.0300% | 4,166 |
| Equity capital to assets | 16.0648% | 492 |
| Core capital (leverage) ratio | 15.8845% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7480% | 824 |
| Memoranda: | ||
| Average total assets | $175,157,250 | 3,163 |
| Average earning assets | $167,592,000 | 3,114 |
| Average equity | $26,896,500 | 2,522 |
| Average total loans | $146,903,750 | 2,752 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7537% | 192 |
| Cost of funding earning assets | 1.5704% | 3,137 |
| Net interest margin | 6.1833% | 94 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 5.3003% | 209 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 0.7653% | 2,742 |
| Return on assets (ROA) | 0.7664% | 2,754 |
| Pretax return on assets | 0.7664% | 3,076 |
| Return on Equity (ROE) | 5.0700% | 3,504 |
| Retained earnings to average equity (ytd only) | 3.5679% | 2,863 |
| Net charge-offs to loans | 2.1890% | 70 |
| Credit loss provision to net charge-offs | 17.8285% | 1,953 |
| Earnings coverage of net charge-offs (x) | 0.5947% | 2,521 |
| Efficiency ratio | 82.9048% | 928 |
| Assets per employee ($millions) | 4.4704% | 3,928 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5589% | 212 |
| Loan loss allowance to noncurrent loans | 90.8226% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 2.3499% | 122 |
| Noncurrent loans to loans | 2.8175% | 212 |
| Net loans and leases to total assets | 81.2700% | 550 |
| Net loans and leases to deposits | 117.9849% | 107 |
| Net loans and leases to core deposits | 398.2518% | 14 |
| Total domestic deposits to total assets | 68.8800% | 4,264 |
| Equity capital to assets | 15.5214% | 517 |
| Core capital (leverage) ratio | 16.2005% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9900% | 925 |
| Memoranda: | ||
| Average total assets | $176,403,667 | 3,155 |
| Average earning assets | $168,746,000 | 3,111 |
| Average equity | $26,682,667 | 2,500 |
| Average total loans | $148,106,000 | 2,736 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2273% | 143 |
| Cost of funding earning assets | 1.5416% | 3,098 |
| Net interest margin | 6.6857% | 67 |
| Noninterest income to average assets | 0.4900% | 1,833 |
| Noninterest expense to average assets | 5.5570% | 189 |
| Loan and lease loss provision to assets | 0.6500% | 123 |
| Net operating income to assets | 0.6943% | 2,865 |
| Return on assets (ROA) | 0.6966% | 2,875 |
| Pretax return on assets | 0.6966% | 3,166 |
| Return on Equity (ROE) | 4.6700% | 3,526 |
| Retained earnings to average equity (ytd only) | 1.6457% | 3,334 |
| Net charge-offs to loans | 2.5855% | 38 |
| Credit loss provision to net charge-offs | 29.9172% | 1,487 |
| Earnings coverage of net charge-offs (x) | 0.6180% | 2,101 |
| Efficiency ratio | 80.5029% | 1,167 |
| Assets per employee ($millions) | 5.6135% | 3,159 |
| Cash dividends to net income (ytd only)* | 64.7249% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9871% | 118 |
| Loan loss allowance to noncurrent loans | 76.1441% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 3.3025% | 67 |
| Noncurrent loans to loans | 3.9229% | 98 |
| Net loans and leases to total assets | 81.6700% | 448 |
| Net loans and leases to deposits | 108.7991% | 217 |
| Net loans and leases to core deposits | 373.5112% | 49 |
| Total domestic deposits to total assets | 75.0600% | 4,053 |
| Equity capital to assets | 15.2724% | 525 |
| Core capital (leverage) ratio | 15.3151% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5567% | 992 |
| Memoranda: | ||
| Average total assets | $177,432,500 | 3,159 |
| Average earning assets | $170,214,500 | 3,110 |
| Average equity | $26,493,500 | 2,517 |
| Average total loans | $149,451,500 | 2,717 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6060% | 146 |
| Cost of funding earning assets | 1.2623% | 2,623 |
| Net interest margin | 6.3437% | 86 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 5.1401% | 220 |
| Loan and lease loss provision to assets | 2.0300% | 30 |
| Net operating income to assets | -0.7327% | 4,524 |
| Return on assets (ROA) | -0.7061% | 4,510 |
| Pretax return on assets | -0.7061% | 4,503 |
| Return on Equity (ROE) | -4.2500% | 4,460 |
| Retained earnings to average equity (ytd only) | -11.4559% | 4,477 |
| Net charge-offs to loans | 2.4251% | 35 |
| Credit loss provision to net charge-offs | 100.0273% | 1,837 |
| Earnings coverage of net charge-offs (x) | 0.6396% | 2,803 |
| Efficiency ratio | 79.8207% | 929 |
| Assets per employee ($millions) | 5.3374% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0045% | 116 |
| Loan loss allowance to noncurrent loans | 191.8307% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 315 |
| Noncurrent loans to loans | 1.5662% | 425 |
| Net loans and leases to total assets | 81.4600% | 480 |
| Net loans and leases to deposits | 109.7087% | 207 |
| Net loans and leases to core deposits | 406.3302% | 47 |
| Total domestic deposits to total assets | 74.2500% | 4,091 |
| Equity capital to assets | 14.8982% | 562 |
| Core capital (leverage) ratio | 14.7013% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3093% | 1,025 |
| Memoranda: | ||
| Average total assets | $180,151,800 | 3,128 |
| Average earning assets | $173,337,800 | 3,065 |
| Average equity | $29,958,400 | 2,260 |
| Average total loans | $150,923,200 | 2,668 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5391% | 140 |
| Cost of funding earning assets | 1.1389% | 2,629 |
| Net interest margin | 6.4002% | 79 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 4.9792% | 226 |
| Loan and lease loss provision to assets | 0.7300% | 98 |
| Net operating income to assets | 0.7795% | 3,086 |
| Return on assets (ROA) | 0.7913% | 3,049 |
| Pretax return on assets | 0.7913% | 3,356 |
| Return on Equity (ROE) | 4.6200% | 3,879 |
| Retained earnings to average equity (ytd only) | 1.1597% | 3,912 |
| Net charge-offs to loans | 1.2930% | 71 |
| Credit loss provision to net charge-offs | 67.3288% | 1,819 |
| Earnings coverage of net charge-offs (x) | 1.3938% | 2,536 |
| Efficiency ratio | 76.7561% | 1,110 |
| Assets per employee ($millions) | 5.5370% | 3,151 |
| Cash dividends to net income (ytd only)* | 74.9064% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6462% | 168 |
| Loan loss allowance to noncurrent loans | 204.6906% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 470 |
| Noncurrent loans to loans | 1.2928% | 589 |
| Net loans and leases to total assets | 80.1600% | 623 |
| Net loans and leases to deposits | 106.5320% | 281 |
| Net loans and leases to core deposits | 350.7088% | 13 |
| Total domestic deposits to total assets | 75.2500% | 4,076 |
| Equity capital to assets | 16.2940% | 426 |
| Core capital (leverage) ratio | 16.9365% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0903% | 805 |
| Memoranda: | ||
| Average total assets | $179,944,250 | 3,135 |
| Average earning assets | $172,907,500 | 3,076 |
| Average equity | $30,811,250 | 2,215 |
| Average total loans | $150,552,500 | 2,677 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5335% | 127 |
| Cost of funding earning assets | 1.0209% | 2,527 |
| Net interest margin | 6.5126% | 75 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 4.9455% | 223 |
| Loan and lease loss provision to assets | 0.9000% | 79 |
| Net operating income to assets | 0.7258% | 3,279 |
| Return on assets (ROA) | 0.7891% | 3,123 |
| Pretax return on assets | 0.7891% | 3,419 |
| Return on Equity (ROE) | 4.5300% | 3,950 |
| Retained earnings to average equity (ytd only) | 1.2898% | 3,859 |
| Net charge-offs to loans | 1.1471% | 76 |
| Credit loss provision to net charge-offs | 93.5673% | 1,489 |
| Earnings coverage of net charge-offs (x) | 1.6877% | 2,354 |
| Efficiency ratio | 75.2232% | 1,241 |
| Assets per employee ($millions) | 5.3941% | 3,241 |
| Cash dividends to net income (ytd only)* | 71.5308% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9964% | 131 |
| Loan loss allowance to noncurrent loans | 707.8247% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 1,477 |
| Noncurrent loans to loans | 0.4233% | 1,666 |
| Net loans and leases to total assets | 82.2600% | 398 |
| Net loans and leases to deposits | 107.2757% | 267 |
| Net loans and leases to core deposits | 385.7884% | 13 |
| Total domestic deposits to total assets | 76.6800% | 3,988 |
| Equity capital to assets | 17.1064% | 383 |
| Core capital (leverage) ratio | 17.3032% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7165% | 742 |
| Memoranda: | ||
| Average total assets | $177,172,667 | 3,164 |
| Average earning assets | $171,022,667 | 3,097 |
| Average equity | $30,856,667 | 2,228 |
| Average total loans | $149,066,000 | 2,681 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3736% | 85 |
| Cost of funding earning assets | 0.8854% | 2,418 |
| Net interest margin | 6.4882% | 75 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 4.9560% | 230 |
| Loan and lease loss provision to assets | 1.1300% | 60 |
| Net operating income to assets | 0.4843% | 3,934 |
| Return on assets (ROA) | 0.5454% | 3,763 |
| Pretax return on assets | 0.5454% | 3,925 |
| Return on Equity (ROE) | 3.1000% | 4,175 |
| Retained earnings to average equity (ytd only) | -3.3355% | 4,259 |
| Net charge-offs to loans | 1.6419% | 47 |
| Credit loss provision to net charge-offs | 82.2368% | 1,202 |
| Earnings coverage of net charge-offs (x) | 1.1743% | 1,985 |
| Efficiency ratio | 75.4132% | 1,210 |
| Assets per employee ($millions) | 5.2592% | 3,453 |
| Cash dividends to net income (ytd only)* | 207.4689% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9946% | 126 |
| Loan loss allowance to noncurrent loans | 426.1201% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 877 |
| Noncurrent loans to loans | 0.7028% | 1,085 |
| Net loans and leases to total assets | 80.9800% | 458 |
| Net loans and leases to deposits | 102.6485% | 340 |
| Net loans and leases to core deposits | 335.7814% | 15 |
| Total domestic deposits to total assets | 78.8900% | 3,905 |
| Equity capital to assets | 16.7196% | 362 |
| Core capital (leverage) ratio | 17.0462% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3142% | 805 |
| Memoranda: | ||
| Average total assets | $176,757,000 | 3,204 |
| Average earning assets | $170,772,000 | 3,138 |
| Average equity | $31,060,000 | 2,247 |
| Average total loans | $148,124,500 | 2,718 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5922% | 63 |
| Cost of funding earning assets | 0.6058% | 881 |
| Net interest margin | 5.9864% | 57 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 4.0730% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0462% | 271 |
| Return on assets (ROA) | 1.9813% | 296 |
| Pretax return on assets | 1.9813% | 498 |
| Return on Equity (ROE) | 12.1200% | 2,098 |
| Retained earnings to average equity (ytd only) | 2.4281% | 3,878 |
| Net charge-offs to loans | 0.0165% | 1,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 160.1600% | 756 |
| Efficiency ratio | 66.5609% | 2,138 |
| Assets per employee ($millions) | 5.2939% | 3,427 |
| Cash dividends to net income (ytd only)* | 79.9587% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,079 |
| Loan loss allowance to noncurrent loans | 122.4073% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 397 |
| Noncurrent loans to loans | 1.2662% | 545 |
| Net loans and leases to total assets | 82.8300% | 338 |
| Net loans and leases to deposits | 106.2470% | 238 |
| Net loans and leases to core deposits | 406.1013% | 12 |
| Total domestic deposits to total assets | 77.9600% | 4,099 |
| Equity capital to assets | 18.4448% | 277 |
| Core capital (leverage) ratio | 18.4039% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0670% | 623 |
| Memoranda: | ||
| Average total assets | $195,677,000 | 3,069 |
| Average earning assets | $188,359,000 | 3,010 |
| Average equity | $32,000,200 | 2,242 |
| Average total loans | $151,187,800 | 2,621 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4362% | 57 |
| Cost of funding earning assets | 0.5866% | 465 |
| Net interest margin | 5.8496% | 54 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 3.6783% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.3060% | 188 |
| Return on assets (ROA) | 2.2177% | 205 |
| Pretax return on assets | 2.2177% | 311 |
| Return on Equity (ROE) | 13.9500% | 1,440 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,466 |
| Net charge-offs to loans | -0.2006% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4660% | 2,904 |
| Assets per employee ($millions) | 5.6584% | 3,070 |
| Cash dividends to net income (ytd only)* | 71.8133% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 661 |
| Loan loss allowance to noncurrent loans | 575.4545% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,010 |
| Noncurrent loans to loans | 0.3222% | 2,082 |
| Net loans and leases to total assets | 74.0200% | 1,092 |
| Net loans and leases to deposits | 93.6446% | 658 |
| Net loans and leases to core deposits | 316.8038% | 14 |
| Total domestic deposits to total assets | 79.0400% | 4,177 |
| Equity capital to assets | 17.8247% | 281 |
| Core capital (leverage) ratio | 16.8841% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7488% | 507 |
| Memoranda: | ||
| Average total assets | $200,921,250 | 3,060 |
| Average earning assets | $193,215,250 | 3,001 |
| Average equity | $31,944,500 | 2,275 |
| Average total loans | $152,239,750 | 2,614 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2876% | 56 |
| Cost of funding earning assets | 0.5386% | 425 |
| Net interest margin | 5.7490% | 59 |
| Noninterest income to average assets | 0.3373% | 3,135 |
| Noninterest expense to average assets | 3.6755% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1750% | 167 |
| Return on assets (ROA) | 2.0796% | 196 |
| Pretax return on assets | 2.0796% | 316 |
| Return on Equity (ROE) | 13.5577% | 1,222 |
| Retained earnings to average equity (ytd only) | 2.8774% | 3,481 |
| Net charge-offs to loans | -0.2604% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8233% | 2,939 |
| Assets per employee ($millions) | 6.2345% | 2,536 |
| Cash dividends to net income (ytd only)* | 78.7766% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 976 |
| Loan loss allowance to noncurrent loans | 724.8555% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,459 |
| Noncurrent loans to loans | 0.2335% | 2,550 |
| Net loans and leases to total assets | 75.3882% | 787 |
| Net loans and leases to deposits | 93.8650% | 525 |
| Net loans and leases to core deposits | 319.4939% | 13 |
| Total domestic deposits to total assets | 80.3155% | 4,199 |
| Equity capital to assets | 16.6348% | 300 |
| Core capital (leverage) ratio | 16.0906% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6755% | 562 |
| Memoranda: | ||
| Average total assets | $207,538,667 | 3,048 |
| Average earning assets | $199,027,000 | 3,001 |
| Average equity | $31,834,333 | 2,318 |
| Average total loans | $157,466,667 | 2,575 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2357% | 57 |
| Cost of funding earning assets | 0.5076% | 476 |
| Net interest margin | 5.7281% | 59 |
| Noninterest income to average assets | 0.2944% | 3,358 |
| Noninterest expense to average assets | 3.6204% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1409% | 174 |
| Return on assets (ROA) | 2.1409% | 173 |
| Pretax return on assets | 2.1409% | 276 |
| Return on Equity (ROE) | 14.5092% | 729 |
| Retained earnings to average equity (ytd only) | 3.1443% | 3,213 |
| Net charge-offs to loans | -0.1974% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8396% | 3,164 |
| Assets per employee ($millions) | 6.3421% | 2,511 |
| Cash dividends to net income (ytd only)* | 78.3290% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,389 |
| Loan loss allowance to noncurrent loans | 700.8824% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,667 |
| Noncurrent loans to loans | 0.2220% | 2,709 |
| Net loans and leases to total assets | 72.0493% | 828 |
| Net loans and leases to deposits | 86.5954% | 702 |
| Net loans and leases to core deposits | 252.7819% | 19 |
| Total domestic deposits to total assets | 83.2023% | 3,919 |
| Equity capital to assets | 15.2855% | 371 |
| Core capital (leverage) ratio | 15.3716% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1866% | 542 |
| Memoranda: | ||
| Average total assets | $214,673,500 | 3,005 |
| Average earning assets | $204,886,000 | 2,966 |
| Average equity | $31,676,500 | 2,405 |
| Average total loans | $162,095,000 | 2,529 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1451% | 75 |
| Cost of funding earning assets | 0.5505% | 708 |
| Net interest margin | 5.5946% | 78 |
| Noninterest income to average assets | 0.5528% | 2,349 |
| Noninterest expense to average assets | 3.2629% | 665 |
| Loan and lease loss provision to assets | -0.1152% | 4,571 |
| Net operating income to assets | 2.8395% | 114 |
| Return on assets (ROA) | 3.0115% | 102 |
| Pretax return on assets | 3.0115% | 146 |
| Return on Equity (ROE) | 25.3816% | 116 |
| Retained earnings to average equity (ytd only) | 6.5322% | 2,112 |
| Net charge-offs to loans | 0.0719% | 1,071 |
| Credit loss provision to net charge-offs | -196.0784% | 3,504 |
| Earnings coverage of net charge-offs (x) | 46.3856% | 1,345 |
| Efficiency ratio | 54.4977% | 3,879 |
| Assets per employee ($millions) | 6.6684% | 2,183 |
| Cash dividends to net income (ytd only)* | 74.2639% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,152 |
| Loan loss allowance to noncurrent loans | 433.7100% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 2,352 |
| Noncurrent loans to loans | 0.3105% | 2,478 |
| Net loans and leases to total assets | 76.6674% | 468 |
| Net loans and leases to deposits | 95.3051% | 341 |
| Net loans and leases to core deposits | 384.1348% | 12 |
| Total domestic deposits to total assets | 80.4442% | 4,171 |
| Equity capital to assets | 14.2518% | 621 |
| Core capital (leverage) ratio | 14.0132% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1506% | 547 |
| Memoranda: | ||
| Average total assets | $260,503,200 | 2,660 |
| Average earning assets | $253,045,400 | 2,597 |
| Average equity | $30,908,200 | 2,478 |
| Average total loans | $212,856,600 | 2,149 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9949% | 88 |
| Cost of funding earning assets | 0.5526% | 818 |
| Net interest margin | 5.4423% | 92 |
| Noninterest income to average assets | 0.4464% | 2,854 |
| Noninterest expense to average assets | 2.8763% | 1,172 |
| Loan and lease loss provision to assets | -0.1478% | 4,683 |
| Net operating income to assets | 3.0163% | 124 |
| Return on assets (ROA) | 3.1587% | 107 |
| Pretax return on assets | 3.1587% | 152 |
| Return on Equity (ROE) | 27.7573% | 116 |
| Retained earnings to average equity (ytd only) | 9.4040% | 1,535 |
| Net charge-offs to loans | 0.1230% | 643 |
| Credit loss provision to net charge-offs | -145.6311% | 3,313 |
| Earnings coverage of net charge-offs (x) | 28.2621% | 1,556 |
| Efficiency ratio | 50.0686% | 4,218 |
| Assets per employee ($millions) | 7.6591% | 1,469 |
| Cash dividends to net income (ytd only)* | 66.1207% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,999 |
| Loan loss allowance to noncurrent loans | 523.2558% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,861 |
| Noncurrent loans to loans | 0.2289% | 3,026 |
| Net loans and leases to total assets | 80.7728% | 253 |
| Net loans and leases to deposits | 99.5035% | 236 |
| Net loans and leases to core deposits | 461.2521% | 13 |
| Total domestic deposits to total assets | 81.1758% | 4,066 |
| Equity capital to assets | 13.7161% | 805 |
| Core capital (leverage) ratio | 12.3153% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2813% | 517 |
| Memoranda: | ||
| Average total assets | $270,614,750 | 2,619 |
| Average earning assets | $263,460,750 | 2,548 |
| Average equity | $30,794,750 | 2,512 |
| Average total loans | $223,317,000 | 2,119 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 146 |
| Cost of funding earning assets | 0.5528% | 926 |
| Net interest margin | 5.0846% | 153 |
| Noninterest income to average assets | 0.5284% | 2,495 |
| Noninterest expense to average assets | 2.7485% | 1,467 |
| Loan and lease loss provision to assets | -0.2111% | 4,772 |
| Net operating income to assets | 2.9617% | 136 |
| Return on assets (ROA) | 3.1383% | 114 |
| Pretax return on assets | 3.1383% | 161 |
| Return on Equity (ROE) | 29.1939% | 107 |
| Retained earnings to average equity (ytd only) | 13.6871% | 601 |
| Net charge-offs to loans | -0.0128% | 3,777 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9808% | 4,241 |
| Assets per employee ($millions) | 10.3590% | 552 |
| Cash dividends to net income (ytd only)* | 53.1166% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,607 |
| Loan loss allowance to noncurrent loans | 220.6250% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,063 |
| Noncurrent loans to loans | 0.4774% | 2,243 |
| Net loans and leases to total assets | 80.0361% | 319 |
| Net loans and leases to deposits | 93.7604% | 469 |
| Net loans and leases to core deposits | 379.5981% | 16 |
| Total domestic deposits to total assets | 85.3623% | 2,956 |
| Equity capital to assets | 10.8391% | 2,116 |
| Core capital (leverage) ratio | 10.6610% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3755% | 520 |
| Memoranda: | ||
| Average total assets | $284,228,667 | 2,532 |
| Average earning assets | $277,858,000 | 2,458 |
| Average equity | $30,554,333 | 2,509 |
| Average total loans | $235,141,333 | 2,062 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 117 |
| Cost of funding earning assets | 0.5773% | 975 |
| Net interest margin | 5.3756% | 118 |
| Noninterest income to average assets | 0.6555% | 2,008 |
| Noninterest expense to average assets | 2.8637% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.0741% | 144 |
| Return on assets (ROA) | 3.0741% | 159 |
| Pretax return on assets | 3.0741% | 217 |
| Return on Equity (ROE) | 28.7194% | 164 |
| Retained earnings to average equity (ytd only) | 23.8177% | 162 |
| Net charge-offs to loans | -0.0425% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2280% | 4,326 |
| Assets per employee ($millions) | 9.5867% | 680 |
| Cash dividends to net income (ytd only)* | 17.0675% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,331 |
| Loan loss allowance to noncurrent loans | 322.2480% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,686 |
| Noncurrent loans to loans | 0.3481% | 2,843 |
| Net loans and leases to total assets | 82.4946% | 205 |
| Net loans and leases to deposits | 96.1330% | 403 |
| Net loans and leases to core deposits | 485.4176% | 13 |
| Total domestic deposits to total assets | 85.8131% | 2,805 |
| Equity capital to assets | 10.4338% | 2,332 |
| Core capital (leverage) ratio | 11.4939% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7853% | 463 |
| Memoranda: | ||
| Average total assets | $281,316,500 | 2,533 |
| Average earning assets | $276,436,500 | 2,455 |
| Average equity | $30,112,000 | 2,533 |
| Average total loans | $235,403,000 | 2,060 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1815% | 75 |
| Cost of funding earning assets | 1.0870% | 423 |
| Net interest margin | 5.0945% | 106 |
| Noninterest income to average assets | 0.4875% | 2,685 |
| Noninterest expense to average assets | 3.5106% | 680 |
| Loan and lease loss provision to assets | 0.4318% | 666 |
| Net operating income to assets | 1.5250% | 758 |
| Return on assets (ROA) | 1.5798% | 726 |
| Pretax return on assets | 1.5798% | 1,116 |
| Return on Equity (ROE) | 13.7424% | 872 |
| Retained earnings to average equity (ytd only) | 13.7424% | 200 |
| Net charge-offs to loans | 0.2641% | 655 |
| Credit loss provision to net charge-offs | 191.2046% | 2,203 |
| Earnings coverage of net charge-offs (x) | 8.6654% | 2,584 |
| Efficiency ratio | 64.2107% | 2,788 |
| Assets per employee ($millions) | 7.1742% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,765 |
| Loan loss allowance to noncurrent loans | 168.5627% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 1,345 |
| Noncurrent loans to loans | 0.7336% | 1,870 |
| Net loans and leases to total assets | 82.9192% | 235 |
| Net loans and leases to deposits | 101.0546% | 332 |
| Net loans and leases to core deposits | 1,005.3165% | 11 |
| Total domestic deposits to total assets | 82.0538% | 3,649 |
| Equity capital to assets | 11.0065% | 2,248 |
| Core capital (leverage) ratio | 10.9413% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9359% | 588 |
| Memoranda: | ||
| Average total assets | $231,612,400 | 2,705 |
| Average earning assets | $226,401,000 | 2,626 |
| Average equity | $26,625,600 | 2,700 |
| Average total loans | $198,029,400 | 2,253 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0469% | 102 |
| Cost of funding earning assets | 1.2210% | 346 |
| Net interest margin | 4.8259% | 192 |
| Noninterest income to average assets | 0.2958% | 3,711 |
| Noninterest expense to average assets | 3.7540% | 484 |
| Loan and lease loss provision to assets | 0.5973% | 426 |
| Net operating income to assets | 0.6554% | 3,608 |
| Return on assets (ROA) | 0.6811% | 3,625 |
| Pretax return on assets | 0.6811% | 3,942 |
| Return on Equity (ROE) | 5.8510% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,170 |
| Net charge-offs to loans | 0.4970% | 299 |
| Credit loss provision to net charge-offs | 139.8601% | 2,385 |
| Earnings coverage of net charge-offs (x) | 2.9329% | 2,950 |
| Efficiency ratio | 74.9761% | 1,302 |
| Assets per employee ($millions) | 7.8969% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,686 |
| Loan loss allowance to noncurrent loans | 258.8889% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 2,184 |
| Noncurrent loans to loans | 0.3887% | 2,899 |
| Net loans and leases to total assets | 86.2819% | 140 |
| Net loans and leases to deposits | 132.1670% | 48 |
| Net loans and leases to core deposits | 843.0377% | 11 |
| Total domestic deposits to total assets | 65.2825% | 4,863 |
| Equity capital to assets | 9.1350% | 4,012 |
| Core capital (leverage) ratio | 13.7604% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1747% | 767 |
| Memoranda: | ||
| Average total assets | $223,154,500 | 2,751 |
| Average earning assets | $217,848,500 | 2,671 |
| Average equity | $25,978,000 | 2,735 |
| Average total loans | $191,821,750 | 2,308 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5103% | 86 |
| Cost of funding earning assets | 1.3707% | 252 |
| Net interest margin | 5.1397% | 154 |
| Noninterest income to average assets | 0.1579% | 4,506 |
| Noninterest expense to average assets | 3.6993% | 576 |
| Loan and lease loss provision to assets | 0.9993% | 207 |
| Net operating income to assets | 0.4617% | 4,107 |
| Return on assets (ROA) | 0.5196% | 4,045 |
| Pretax return on assets | 0.5196% | 4,219 |
| Return on Equity (ROE) | 4.0404% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.0404% | 2,884 |
| Net charge-offs to loans | 0.8287% | 186 |
| Credit loss provision to net charge-offs | 141.2429% | 2,169 |
| Earnings coverage of net charge-offs (x) | 2.0650% | 2,806 |
| Efficiency ratio | 71.6886% | 1,733 |
| Assets per employee ($millions) | 8.8059% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 3,507 |
| Loan loss allowance to noncurrent loans | 206.8383% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 1,950 |
| Noncurrent loans to loans | 0.4899% | 2,683 |
| Net loans and leases to total assets | 86.4237% | 119 |
| Net loans and leases to deposits | 203.4931% | 10 |
| Net loans and leases to core deposits | 882.0391% | 10 |
| Total domestic deposits to total assets | 42.4701% | 5,022 |
| Equity capital to assets | 8.9719% | 4,115 |
| Core capital (leverage) ratio | 13.7263% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6796% | 814 |
| Memoranda: | ||
| Average total assets | $200,144,667 | 2,900 |
| Average earning assets | $194,798,000 | 2,834 |
| Average equity | $25,740,333 | 2,737 |
| Average total loans | $170,874,000 | 2,462 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3905% | 51 |
| Cost of funding earning assets | 1.8223% | 74 |
| Net interest margin | 5.5682% | 80 |
| Noninterest income to average assets | 0.2556% | 4,010 |
| Noninterest expense to average assets | 4.7379% | 257 |
| Loan and lease loss provision to assets | 0.9037% | 257 |
| Net operating income to assets | 0.0103% | 4,743 |
| Return on assets (ROA) | 0.0103% | 4,731 |
| Pretax return on assets | 0.0103% | 4,726 |
| Return on Equity (ROE) | 0.0626% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.0626% | 3,973 |
| Net charge-offs to loans | 1.0444% | 149 |
| Credit loss provision to net charge-offs | 103.5503% | 1,791 |
| Earnings coverage of net charge-offs (x) | 1.0473% | 2,422 |
| Efficiency ratio | 83.8282% | 839 |
| Assets per employee ($millions) | 4.3946% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 813 |
| Loan loss allowance to noncurrent loans | 169.4527% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2149% | 1,011 |
| Noncurrent loans to loans | 1.0247% | 1,618 |
| Net loans and leases to total assets | 81.9532% | 439 |
| Net loans and leases to deposits | 111.6792% | 164 |
| Net loans and leases to core deposits | 553.2494% | 8 |
| Total domestic deposits to total assets | 73.3826% | 4,698 |
| Equity capital to assets | 16.1676% | 553 |
| Core capital (leverage) ratio | 16.6280% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5581% | 794 |
| Memoranda: | ||
| Average total assets | $154,919,500 | 3,266 |
| Average earning assets | $150,138,500 | 3,193 |
| Average equity | $25,574,500 | 2,739 |
| Average total loans | $129,454,000 | 2,840 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8893% | 46 |
| Cost of funding earning assets | 2.0101% | 56 |
| Net interest margin | 5.8791% | 72 |
| Noninterest income to average assets | 1.0663% | 836 |
| Noninterest expense to average assets | 4.3705% | 345 |
| Loan and lease loss provision to assets | 1.2198% | 74 |
| Net operating income to assets | 1.1938% | 2,082 |
| Return on assets (ROA) | 1.1938% | 2,178 |
| Pretax return on assets | 1.1938% | 2,865 |
| Return on Equity (ROE) | 7.0910% | 3,526 |
| Retained earnings to average equity (ytd only) | -4.8642% | 4,978 |
| Net charge-offs to loans | 1.3492% | 109 |
| Credit loss provision to net charge-offs | 107.6105% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.1293% | 3,454 |
| Efficiency ratio | 64.4226% | 3,014 |
| Assets per employee ($millions) | 3.9904% | 3,907 |
| Cash dividends to net income (ytd only)* | 168.5972% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 668 |
| Loan loss allowance to noncurrent loans | 251.2679% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 1,243 |
| Noncurrent loans to loans | 0.7144% | 2,091 |
| Net loans and leases to total assets | 82.2269% | 531 |
| Net loans and leases to deposits | 107.0295% | 260 |
| Net loans and leases to core deposits | 721.1336% | 9 |
| Total domestic deposits to total assets | 76.8264% | 4,512 |
| Equity capital to assets | 16.8636% | 486 |
| Core capital (leverage) ratio | 16.7385% | 441 |
| Tier 1 risk-based capital ratio | 18.8947% | 1,538 |
| Total risk-based capital ratio | 20.1502% | 1,506 |
| Memoranda: | ||
| Average total assets | $157,647,000 | 3,222 |
| Average earning assets | $153,322,200 | 3,151 |
| Average equity | $26,540,600 | 2,590 |
| Average total loans | $132,453,200 | 2,795 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9581% | 45 |
| Cost of funding earning assets | 2.0175% | 63 |
| Net interest margin | 5.9406% | 69 |
| Noninterest income to average assets | 1.3446% | 519 |
| Noninterest expense to average assets | 4.2382% | 393 |
| Loan and lease loss provision to assets | 0.8403% | 123 |
| Net operating income to assets | 2.0483% | 365 |
| Return on assets (ROA) | 2.0483% | 378 |
| Pretax return on assets | 2.0483% | 619 |
| Return on Equity (ROE) | 12.1716% | 1,555 |
| Retained earnings to average equity (ytd only) | -0.8861% | 4,851 |
| Net charge-offs to loans | 1.1906% | 122 |
| Credit loss provision to net charge-offs | 83.9331% | 2,455 |
| Earnings coverage of net charge-offs (x) | 2.8854% | 3,159 |
| Efficiency ratio | 59.4687% | 3,737 |
| Assets per employee ($millions) | 4.4985% | 3,208 |
| Cash dividends to net income (ytd only)* | 107.2802% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 1,260 |
| Loan loss allowance to noncurrent loans | 119.5466% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 742 |
| Noncurrent loans to loans | 1.2507% | 1,248 |
| Net loans and leases to total assets | 84.0404% | 351 |
| Net loans and leases to deposits | 103.6062% | 430 |
| Net loans and leases to core deposits | 682.1940% | 10 |
| Total domestic deposits to total assets | 81.1153% | 3,721 |
| Equity capital to assets | 17.4431% | 446 |
| Core capital (leverage) ratio | 17.1899% | 412 |
| Tier 1 risk-based capital ratio | 19.6557% | 1,427 |
| Total risk-based capital ratio | 20.9080% | 1,392 |
| Memoranda: | ||
| Average total assets | $159,150,250 | 3,239 |
| Average earning assets | $154,906,750 | 3,174 |
| Average equity | $26,783,000 | 2,591 |
| Average total loans | $133,825,750 | 2,816 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0285% | 48 |
| Cost of funding earning assets | 2.0221% | 55 |
| Net interest margin | 6.0064% | 65 |
| Noninterest income to average assets | 1.1773% | 620 |
| Noninterest expense to average assets | 4.1708% | 429 |
| Loan and lease loss provision to assets | 0.4379% | 278 |
| Net operating income to assets | 2.4203% | 169 |
| Return on assets (ROA) | 2.4203% | 175 |
| Pretax return on assets | 2.4203% | 275 |
| Return on Equity (ROE) | 14.5501% | 862 |
| Retained earnings to average equity (ytd only) | 1.5587% | 4,270 |
| Net charge-offs to loans | 0.9100% | 158 |
| Credit loss provision to net charge-offs | 57.4919% | 2,420 |
| Earnings coverage of net charge-offs (x) | 3.7524% | 2,801 |
| Efficiency ratio | 59.3364% | 3,822 |
| Assets per employee ($millions) | 5.0074% | 2,469 |
| Cash dividends to net income (ytd only)* | 89.2875% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,545 |
| Loan loss allowance to noncurrent loans | 101.0741% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 695 |
| Noncurrent loans to loans | 1.4004% | 1,109 |
| Net loans and leases to total assets | 81.8031% | 638 |
| Net loans and leases to deposits | 100.2601% | 653 |
| Net loans and leases to core deposits | 706.5057% | 9 |
| Total domestic deposits to total assets | 81.5909% | 3,640 |
| Equity capital to assets | 16.8976% | 480 |
| Core capital (leverage) ratio | 17.1647% | 411 |
| Tier 1 risk-based capital ratio | 19.0217% | 1,553 |
| Total risk-based capital ratio | 20.2725% | 1,514 |
| Memoranda: | ||
| Average total assets | $161,217,330 | 3,249 |
| Average earning assets | $157,065,330 | 3,157 |
| Average equity | $26,817,670 | 2,580 |
| Average total loans | $134,937,670 | 2,817 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2068% | 44 |
| Cost of funding earning assets | 1.9640% | 59 |
| Net interest margin | 6.2427% | 58 |
| Noninterest income to average assets | 0.1830% | 4,656 |
| Noninterest expense to average assets | 4.1606% | 429 |
| Loan and lease loss provision to assets | 0.1286% | 1,358 |
| Net operating income to assets | 1.9715% | 410 |
| Return on assets (ROA) | 1.9715% | 425 |
| Pretax return on assets | 1.9715% | 672 |
| Return on Equity (ROE) | 11.9452% | 1,551 |
| Retained earnings to average equity (ytd only) | -4.2715% | 4,883 |
| Net charge-offs to loans | 0.4385% | 347 |
| Credit loss provision to net charge-offs | 34.8993% | 2,061 |
| Earnings coverage of net charge-offs (x) | 5.6980% | 2,246 |
| Efficiency ratio | 66.4559% | 2,873 |
| Assets per employee ($millions) | 4.7909% | 2,798 |
| Cash dividends to net income (ytd only)* | 135.7591% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,239 |
| Loan loss allowance to noncurrent loans | 112.6582% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 555 |
| Noncurrent loans to loans | 1.3586% | 1,192 |
| Net loans and leases to total assets | 83.2959% | 435 |
| Net loans and leases to deposits | 102.1621% | 489 |
| Net loans and leases to core deposits | 806.7263% | 10 |
| Total domestic deposits to total assets | 81.5331% | 3,846 |
| Equity capital to assets | 16.7882% | 474 |
| Core capital (leverage) ratio | 16.3210% | 493 |
| Tier 1 risk-based capital ratio | 18.6288% | 1,622 |
| Total risk-based capital ratio | 19.8808% | 1,588 |
| Memoranda: | ||
| Average total assets | $161,708,000 | 3,280 |
| Average earning assets | $157,431,000 | 3,190 |
| Average equity | $26,688,500 | 2,594 |
| Average total loans | $135,926,500 | 2,842 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4086% | 37 |
| Cost of funding earning assets | 1.5352% | 75 |
| Net interest margin | 6.8733% | 41 |
| Noninterest income to average assets | 0.3684% | 3,630 |
| Noninterest expense to average assets | 4.2102% | 396 |
| Loan and lease loss provision to assets | 0.3168% | 507 |
| Net operating income to assets | 2.4768% | 156 |
| Return on assets (ROA) | 2.4975% | 149 |
| Pretax return on assets | 2.4975% | 208 |
| Return on Equity (ROE) | 15.6001% | 706 |
| Retained earnings to average equity (ytd only) | 3.9730% | 3,390 |
| Net charge-offs to loans | 0.3148% | 614 |
| Credit loss provision to net charge-offs | 123.1132% | 2,123 |
| Earnings coverage of net charge-offs (x) | 10.8561% | 2,680 |
| Efficiency ratio | 60.1127% | 3,841 |
| Assets per employee ($millions) | 4.2389% | 3,557 |
| Cash dividends to net income (ytd only)* | 74.5322% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,144 |
| Loan loss allowance to noncurrent loans | 172.4055% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 796 |
| Noncurrent loans to loans | 0.9000% | 1,782 |
| Net loans and leases to total assets | 82.2499% | 618 |
| Net loans and leases to deposits | 100.1126% | 737 |
| Net loans and leases to core deposits | 842.1988% | 10 |
| Total domestic deposits to total assets | 82.1573% | 3,602 |
| Equity capital to assets | 16.2325% | 498 |
| Core capital (leverage) ratio | 16.3165% | 478 |
| Tier 1 risk-based capital ratio | 18.4331% | 1,633 |
| Total risk-based capital ratio | 19.6855% | 1,588 |
| Memoranda: | ||
| Average total assets | $164,766,600 | 3,220 |
| Average earning assets | $159,064,200 | 3,153 |
| Average equity | $26,378,000 | 2,548 |
| Average total loans | $134,669,000 | 2,826 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2346% | 38 |
| Cost of funding earning assets | 1.4429% | 80 |
| Net interest margin | 6.7917% | 43 |
| Noninterest income to average assets | 0.2478% | 4,495 |
| Noninterest expense to average assets | 4.0753% | 473 |
| Loan and lease loss provision to assets | 0.3402% | 405 |
| Net operating income to assets | 2.3778% | 193 |
| Return on assets (ROA) | 2.4053% | 185 |
| Pretax return on assets | 2.4053% | 278 |
| Return on Equity (ROE) | 15.0774% | 857 |
| Retained earnings to average equity (ytd only) | 4.3963% | 3,557 |
| Net charge-offs to loans | -0.1186% | 5,207 |
| Credit loss provision to net charge-offs | -352.9412% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9905% | 3,813 |
| Assets per employee ($millions) | 4.2177% | 3,549 |
| Cash dividends to net income (ytd only)* | 70.8417% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 664 |
| Loan loss allowance to noncurrent loans | 121.6675% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9851% | 533 |
| Noncurrent loans to loans | 1.5127% | 1,073 |
| Net loans and leases to total assets | 81.6594% | 769 |
| Net loans and leases to deposits | 98.5063% | 912 |
| Net loans and leases to core deposits | 681.2342% | 10 |
| Total domestic deposits to total assets | 82.8977% | 3,345 |
| Equity capital to assets | 15.7918% | 571 |
| Core capital (leverage) ratio | 15.6194% | 578 |
| Tier 1 risk-based capital ratio | 17.9348% | 1,809 |
| Total risk-based capital ratio | 19.1908% | 1,770 |
| Memoranda: | ||
| Average total assets | $164,629,000 | 3,250 |
| Average earning assets | $158,660,250 | 3,181 |
| Average equity | $26,263,750 | 2,564 |
| Average total loans | $133,807,250 | 2,858 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2074% | 36 |
| Cost of funding earning assets | 1.2902% | 121 |
| Net interest margin | 6.9172% | 36 |
| Noninterest income to average assets | 0.0073% | 5,474 |
| Noninterest expense to average assets | 4.0840% | 483 |
| Loan and lease loss provision to assets | 0.3271% | 417 |
| Net operating income to assets | 2.2490% | 236 |
| Return on assets (ROA) | 2.2907% | 208 |
| Pretax return on assets | 2.2907% | 335 |
| Return on Equity (ROE) | 14.3089% | 1,008 |
| Retained earnings to average equity (ytd only) | 2.3032% | 4,354 |
| Net charge-offs to loans | -0.1459% | 5,265 |
| Credit loss provision to net charge-offs | -278.1250% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3206% | 3,722 |
| Assets per employee ($millions) | 4.5311% | 3,087 |
| Cash dividends to net income (ytd only)* | 83.9037% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 817 |
| Loan loss allowance to noncurrent loans | 166.4133% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 807 |
| Noncurrent loans to loans | 1.0537% | 1,666 |
| Net loans and leases to total assets | 80.4790% | 941 |
| Net loans and leases to deposits | 96.7218% | 1,071 |
| Net loans and leases to core deposits | 1,003.1450% | 9 |
| Total domestic deposits to total assets | 83.2067% | 3,350 |
| Equity capital to assets | 15.5443% | 586 |
| Core capital (leverage) ratio | 16.2218% | 468 |
| Tier 1 risk-based capital ratio | 17.9165% | 1,819 |
| Total risk-based capital ratio | 19.1715% | 1,784 |
| Memoranda: | ||
| Average total assets | $163,269,330 | 3,280 |
| Average earning assets | $157,029,670 | 3,210 |
| Average equity | $26,137,670 | 2,579 |
| Average total loans | $131,626,670 | 2,893 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7440% | 28 |
| Cost of funding earning assets | 1.1738% | 158 |
| Net interest margin | 7.5702% | 29 |
| Noninterest income to average assets | 0.0099% | 5,545 |
| Noninterest expense to average assets | 3.5113% | 981 |
| Loan and lease loss provision to assets | 0.5364% | 195 |
| Net operating income to assets | 3.2332% | 72 |
| Return on assets (ROA) | 3.2332% | 74 |
| Pretax return on assets | 3.2332% | 96 |
| Return on Equity (ROE) | 19.8957% | 253 |
| Retained earnings to average equity (ytd only) | 12.2553% | 639 |
| Net charge-offs to loans | -0.4784% | 5,496 |
| Credit loss provision to net charge-offs | -140.2597% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2265% | 5,186 |
| Assets per employee ($millions) | 4.2345% | 3,591 |
| Cash dividends to net income (ytd only)* | 38.4025% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 685 |
| Loan loss allowance to noncurrent loans | 86.4352% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4342% | 393 |
| Noncurrent loans to loans | 2.1746% | 697 |
| Net loans and leases to total assets | 76.3370% | 1,484 |
| Net loans and leases to deposits | 92.2452% | 1,426 |
| Net loans and leases to core deposits | 882.3208% | 11 |
| Total domestic deposits to total assets | 82.7544% | 3,744 |
| Equity capital to assets | 16.0969% | 478 |
| Core capital (leverage) ratio | 17.1244% | 371 |
| Tier 1 risk-based capital ratio | 19.3797% | 1,459 |
| Total risk-based capital ratio | 20.6360% | 1,424 |
| Memoranda: | ||
| Average total assets | $161,079,000 | 3,342 |
| Average earning assets | $154,711,500 | 3,269 |
| Average equity | $26,176,500 | 2,599 |
| Average total loans | $128,774,500 | 2,948 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5035% | 30 |
| Cost of funding earning assets | 0.9959% | 219 |
| Net interest margin | 7.5075% | 29 |
| Noninterest income to average assets | 0.3969% | 3,657 |
| Noninterest expense to average assets | 3.9199% | 602 |
| Loan and lease loss provision to assets | 0.8282% | 139 |
| Net operating income to assets | 2.8515% | 81 |
| Return on assets (ROA) | 2.8515% | 79 |
| Pretax return on assets | 2.8515% | 109 |
| Return on Equity (ROE) | 17.1967% | 374 |
| Retained earnings to average equity (ytd only) | 1.4792% | 4,413 |
| Net charge-offs to loans | 1.0112% | 173 |
| Credit loss provision to net charge-offs | 100.0754% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.4465% | 3,466 |
| Efficiency ratio | 51.5808% | 5,130 |
| Assets per employee ($millions) | 4.4036% | 3,342 |
| Cash dividends to net income (ytd only)* | 91.3986% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,746 |
| Loan loss allowance to noncurrent loans | 50.0274% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.0732% | 255 |
| Noncurrent loans to loans | 2.8081% | 420 |
| Net loans and leases to total assets | 80.7500% | 869 |
| Net loans and leases to deposits | 99.2695% | 792 |
| Net loans and leases to core deposits | 824.4011% | 12 |
| Total domestic deposits to total assets | 81.3442% | 4,040 |
| Equity capital to assets | 16.9053% | 407 |
| Core capital (leverage) ratio | 16.8799% | 377 |
| Tier 1 risk-based capital ratio | 19.3438% | 1,443 |
| Total risk-based capital ratio | 20.5942% | 1,420 |
| Memoranda: | ||
| Average total assets | $160,231,800 | 3,346 |
| Average earning assets | $153,725,400 | 3,273 |
| Average equity | $26,569,000 | 2,570 |
| Average total loans | $131,136,400 | 2,897 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6856% | 27 |
| Cost of funding earning assets | 0.9499% | 258 |
| Net interest margin | 7.7357% | 29 |
| Noninterest income to average assets | 0.2930% | 4,436 |
| Noninterest expense to average assets | 3.8856% | 606 |
| Loan and lease loss provision to assets | 0.8050% | 134 |
| Net operating income to assets | 3.0300% | 78 |
| Return on assets (ROA) | 2.9852% | 80 |
| Pretax return on assets | 2.9852% | 114 |
| Return on Equity (ROE) | 18.0900% | 325 |
| Retained earnings to average equity (ytd only) | 2.1274% | 4,588 |
| Net charge-offs to loans | 0.7049% | 270 |
| Credit loss provision to net charge-offs | 139.5683% | 1,782 |
| Earnings coverage of net charge-offs (x) | 6.6489% | 2,964 |
| Efficiency ratio | 50.3279% | 5,226 |
| Assets per employee ($millions) | 4.3838% | 3,337 |
| Cash dividends to net income (ytd only)* | 88.2401% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 1,176 |
| Loan loss allowance to noncurrent loans | 82.0172% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.3983% | 475 |
| Noncurrent loans to loans | 1.9859% | 860 |
| Net loans and leases to total assets | 80.2898% | 942 |
| Net loans and leases to deposits | 98.6354% | 854 |
| Net loans and leases to core deposits | 797.5264% | 11 |
| Total domestic deposits to total assets | 81.4006% | 3,947 |
| Equity capital to assets | 17.0064% | 427 |
| Core capital (leverage) ratio | 17.3563% | 352 |
| Tier 1 risk-based capital ratio | 19.5039% | 1,479 |
| Total risk-based capital ratio | 20.7575% | 1,441 |
| Memoranda: | ||
| Average total assets | $160,657,250 | 3,368 |
| Average earning assets | $154,259,250 | 3,296 |
| Average equity | $26,511,250 | 2,598 |
| Average total loans | $131,461,250 | 2,922 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8795% | 28 |
| Cost of funding earning assets | 0.9037% | 296 |
| Net interest margin | 7.9758% | 31 |
| Noninterest income to average assets | -0.0681% | 5,751 |
| Noninterest expense to average assets | 3.9603% | 555 |
| Loan and lease loss provision to assets | 0.6733% | 165 |
| Net operating income to assets | 2.9665% | 83 |
| Return on assets (ROA) | 2.9145% | 87 |
| Pretax return on assets | 2.9145% | 123 |
| Return on Equity (ROE) | 17.8396% | 346 |
| Retained earnings to average equity (ytd only) | 1.8256% | 4,520 |
| Net charge-offs to loans | 0.9959% | 198 |
| Credit loss provision to net charge-offs | 82.5493% | 2,231 |
| Earnings coverage of net charge-offs (x) | 4.4628% | 2,925 |
| Efficiency ratio | 52.1088% | 5,168 |
| Assets per employee ($millions) | 5.1514% | 2,209 |
| Cash dividends to net income (ytd only)* | 89.7665% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,417 |
| Loan loss allowance to noncurrent loans | 195.2000% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5185% | 989 |
| Noncurrent loans to loans | 0.6655% | 2,753 |
| Net loans and leases to total assets | 81.2584% | 779 |
| Net loans and leases to deposits | 99.4688% | 774 |
| Net loans and leases to core deposits | 691.7426% | 14 |
| Total domestic deposits to total assets | 81.6924% | 3,976 |
| Equity capital to assets | 16.7741% | 432 |
| Core capital (leverage) ratio | 16.3669% | 433 |
| Tier 1 risk-based capital ratio | 18.9934% | 1,596 |
| Total risk-based capital ratio | 20.2096% | 1,553 |
| Memoranda: | ||
| Average total assets | $161,604,000 | 3,378 |
| Average earning assets | $155,369,670 | 3,300 |
| Average equity | $26,402,000 | 2,600 |
| Average total loans | $132,345,330 | 2,902 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6550% | 31 |
| Cost of funding earning assets | 0.8556% | 368 |
| Net interest margin | 7.7994% | 32 |
| Noninterest income to average assets | -0.0591% | 5,833 |
| Noninterest expense to average assets | 4.3012% | 382 |
| Loan and lease loss provision to assets | 0.7874% | 125 |
| Net operating income to assets | 2.3893% | 167 |
| Return on assets (ROA) | 2.3376% | 184 |
| Pretax return on assets | 2.3376% | 283 |
| Return on Equity (ROE) | 14.4986% | 727 |
| Retained earnings to average equity (ytd only) | -5.6468% | 5,428 |
| Net charge-offs to loans | -0.1476% | 5,559 |
| Credit loss provision to net charge-offs | -653.0612% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5189% | 4,775 |
| Assets per employee ($millions) | 4.9290% | 2,538 |
| Cash dividends to net income (ytd only)* | 138.9474% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 1,211 |
| Loan loss allowance to noncurrent loans | 128.6385% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 2.1220% | 601 |
| Noncurrent loans to loans | 1.2972% | 1,560 |
| Net loans and leases to total assets | 81.8916% | 579 |
| Net loans and leases to deposits | 100.1667% | 605 |
| Net loans and leases to core deposits | 610.3676% | 16 |
| Total domestic deposits to total assets | 81.7553% | 4,230 |
| Equity capital to assets | 16.5063% | 432 |
| Core capital (leverage) ratio | 15.8599% | 478 |
| Tier 1 risk-based capital ratio | 18.6605% | 1,706 |
| Total risk-based capital ratio | 19.9141% | 1,652 |
| Memoranda: | ||
| Average total assets | $162,559,500 | 3,398 |
| Average earning assets | $157,089,000 | 3,309 |
| Average equity | $26,209,500 | 2,622 |
| Average total loans | $132,782,000 | 2,922 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1201% | 27 |
| Cost of funding earning assets | 0.7127% | 771 |
| Net interest margin | 8.4074% | 26 |
| Noninterest income to average assets | 0.1525% | 5,445 |
| Noninterest expense to average assets | 3.5453% | 1,093 |
| Loan and lease loss provision to assets | 0.8056% | 141 |
| Net operating income to assets | 3.8796% | 51 |
| Return on assets (ROA) | 3.7929% | 55 |
| Pretax return on assets | 3.7929% | 73 |
| Return on Equity (ROE) | 22.3241% | 136 |
| Retained earnings to average equity (ytd only) | -0.5386% | 5,386 |
| Net charge-offs to loans | 1.0426% | 180 |
| Credit loss provision to net charge-offs | 94.1958% | 2,721 |
| Earnings coverage of net charge-offs (x) | 5.4783% | 3,335 |
| Efficiency ratio | 43.0751% | 5,723 |
| Assets per employee ($millions) | 5.4668% | 1,890 |
| Cash dividends to net income (ytd only)* | 102.4125% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,251 |
| Loan loss allowance to noncurrent loans | 55.5594% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6748% | 428 |
| Noncurrent loans to loans | 2.1208% | 824 |
| Net loans and leases to total assets | 79.1315% | 1,022 |
| Net loans and leases to deposits | 96.9808% | 910 |
| Net loans and leases to core deposits | 599.6199% | 17 |
| Total domestic deposits to total assets | 81.5951% | 4,182 |
| Equity capital to assets | 16.7958% | 411 |
| Core capital (leverage) ratio | 16.5433% | 395 |
| Tier 1 risk-based capital ratio | 19.5585% | 1,461 |
| Total risk-based capital ratio | 20.6572% | 1,462 |
| Memoranda: | ||
| Average total assets | $167,209,200 | 3,318 |
| Average earning assets | $160,656,000 | 3,229 |
| Average equity | $28,408,800 | 2,484 |
| Average total loans | $137,158,400 | 2,814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9202% | 27 |
| Cost of funding earning assets | 0.7006% | 812 |
| Net interest margin | 8.2196% | 27 |
| Noninterest income to average assets | 0.2048% | 5,243 |
| Noninterest expense to average assets | 3.5940% | 1,005 |
| Loan and lease loss provision to assets | 0.6249% | 184 |
| Net operating income to assets | 3.8708% | 54 |
| Return on assets (ROA) | 3.8260% | 54 |
| Pretax return on assets | 3.8260% | 76 |
| Return on Equity (ROE) | 22.4541% | 147 |
| Retained earnings to average equity (ytd only) | -1.9392% | 5,591 |
| Net charge-offs to loans | 0.7155% | 261 |
| Credit loss provision to net charge-offs | 105.8266% | 2,271 |
| Earnings coverage of net charge-offs (x) | 7.6138% | 2,863 |
| Efficiency ratio | 44.4269% | 5,731 |
| Assets per employee ($millions) | 5.2015% | 2,145 |
| Cash dividends to net income (ytd only)* | 108.6365% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,888 |
| Loan loss allowance to noncurrent loans | 140.0162% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7904% | 920 |
| Noncurrent loans to loans | 0.9009% | 2,446 |
| Net loans and leases to total assets | 83.7386% | 431 |
| Net loans and leases to deposits | 105.2801% | 401 |
| Net loans and leases to core deposits | 1,015.3094% | 13 |
| Total domestic deposits to total assets | 79.5388% | 4,606 |
| Equity capital to assets | 17.5160% | 392 |
| Core capital (leverage) ratio | 16.6487% | 392 |
| Tier 1 risk-based capital ratio | 19.2164% | 1,625 |
| Total risk-based capital ratio | 20.3887% | 1,600 |
| Memoranda: | ||
| Average total assets | $166,643,750 | 3,341 |
| Average earning assets | $159,858,000 | 3,256 |
| Average equity | $28,395,000 | 2,504 |
| Average total loans | $137,522,000 | 2,819 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9497% | 27 |
| Cost of funding earning assets | 0.6687% | 943 |
| Net interest margin | 8.2810% | 27 |
| Noninterest income to average assets | 0.2814% | 4,775 |
| Noninterest expense to average assets | 3.5229% | 1,125 |
| Loan and lease loss provision to assets | 0.6305% | 175 |
| Net operating income to assets | 4.0679% | 53 |
| Return on assets (ROA) | 4.0227% | 53 |
| Pretax return on assets | 4.0227% | 69 |
| Return on Equity (ROE) | 23.8211% | 112 |
| Retained earnings to average equity (ytd only) | -1.7367% | 5,512 |
| Net charge-offs to loans | 0.5458% | 386 |
| Credit loss provision to net charge-offs | 141.2234% | 1,670 |
| Earnings coverage of net charge-offs (x) | 10.5239% | 2,331 |
| Efficiency ratio | 42.8510% | 5,843 |
| Assets per employee ($millions) | 5.3500% | 1,937 |
| Cash dividends to net income (ytd only)* | 107.2904% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,455 |
| Loan loss allowance to noncurrent loans | 156.8745% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 991 |
| Noncurrent loans to loans | 0.8716% | 2,561 |
| Net loans and leases to total assets | 79.9029% | 929 |
| Net loans and leases to deposits | 98.4547% | 841 |
| Net loans and leases to core deposits | 1,401.5759% | 13 |
| Total domestic deposits to total assets | 81.1571% | 4,228 |
| Equity capital to assets | 17.1299% | 415 |
| Core capital (leverage) ratio | 17.3533% | 339 |
| Tier 1 risk-based capital ratio | 19.2252% | 1,645 |
| Total risk-based capital ratio | 20.4683% | 1,608 |
| Memoranda: | ||
| Average total assets | $168,442,670 | 3,336 |
| Average earning assets | $161,502,000 | 3,250 |
| Average equity | $28,445,330 | 2,499 |
| Average total loans | $137,779,000 | 2,825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4508% | 28 |
| Cost of funding earning assets | 0.6609% | 990 |
| Net interest margin | 8.7899% | 27 |
| Noninterest income to average assets | -0.1225% | 6,103 |
| Noninterest expense to average assets | 3.6126% | 1,001 |
| Loan and lease loss provision to assets | 0.7070% | 151 |
| Net operating income to assets | 4.0203% | 55 |
| Return on assets (ROA) | 3.9755% | 55 |
| Pretax return on assets | 3.9755% | 77 |
| Return on Equity (ROE) | 23.7080% | 118 |
| Retained earnings to average equity (ytd only) | -5.4527% | 5,625 |
| Net charge-offs to loans | 0.3011% | 715 |
| Credit loss provision to net charge-offs | 285.7143% | 877 |
| Earnings coverage of net charge-offs (x) | 19.1048% | 1,523 |
| Efficiency ratio | 43.3173% | 5,889 |
| Assets per employee ($millions) | 5.9236% | 1,463 |
| Cash dividends to net income (ytd only)* | 122.9994% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,589 |
| Loan loss allowance to noncurrent loans | 96.1578% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1585% | 774 |
| Noncurrent loans to loans | 1.4181% | 1,681 |
| Net loans and leases to total assets | 79.0393% | 944 |
| Net loans and leases to deposits | 96.4626% | 896 |
| Net loans and leases to core deposits | 923.6463% | 12 |
| Total domestic deposits to total assets | 81.9377% | 4,247 |
| Equity capital to assets | 16.4562% | 484 |
| Core capital (leverage) ratio | 17.4646% | 334 |
| Tier 1 risk-based capital ratio | 19.0613% | 1,723 |
| Total risk-based capital ratio | 20.3114% | 1,683 |
| Memoranda: | ||
| Average total assets | $169,739,000 | 3,331 |
| Average earning assets | $163,415,000 | 3,234 |
| Average equity | $28,463,000 | 2,486 |
| Average total loans | $139,490,500 | 2,795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3038% | 17 |
| Cost of funding earning assets | 0.5666% | 1,619 |
| Net interest margin | 9.7372% | 17 |
| Noninterest income to average assets | 0.2997% | 4,739 |
| Noninterest expense to average assets | 3.3249% | 1,659 |
| Loan and lease loss provision to assets | 1.3712% | 57 |
| Net operating income to assets | 4.9868% | 46 |
| Return on assets (ROA) | 5.0755% | 44 |
| Pretax return on assets | 5.0755% | 53 |
| Return on Equity (ROE) | 30.4719% | 55 |
| Retained earnings to average equity (ytd only) | 4.6559% | 2,675 |
| Net charge-offs to loans | 1.4722% | 105 |
| Credit loss provision to net charge-offs | 103.5763% | 2,422 |
| Earnings coverage of net charge-offs (x) | 4.8026% | 3,488 |
| Efficiency ratio | 34.3381% | 6,119 |
| Assets per employee ($millions) | 6.4498% | 1,120 |
| Cash dividends to net income (ytd only)* | 84.7207% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,542 |
| Loan loss allowance to noncurrent loans | 1,184.5070% | 518 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 1,938 |
| Noncurrent loans to loans | 0.1005% | 5,099 |
| Net loans and leases to total assets | 83.2738% | 459 |
| Net loans and leases to deposits | 102.5685% | 511 |
| Net loans and leases to core deposits | 684.7742% | 12 |
| Total domestic deposits to total assets | 81.1885% | 4,430 |
| Equity capital to assets | 17.0888% | 399 |
| Core capital (leverage) ratio | 17.6544% | 301 |
| Tier 1 risk-based capital ratio | 18.9690% | 1,707 |
| Total risk-based capital ratio | 20.0823% | 1,702 |
| Memoranda: | ||
| Average total assets | $166,860,000 | 3,353 |
| Average earning assets | $160,795,800 | 3,244 |
| Average equity | $27,792,800 | 2,482 |
| Average total loans | $150,052,200 | 2,597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2488% | 18 |
| Cost of funding earning assets | 0.5665% | 1,657 |
| Net interest margin | 9.6823% | 18 |
| Noninterest income to average assets | 0.1056% | 5,938 |
| Noninterest expense to average assets | 3.3218% | 1,645 |
| Loan and lease loss provision to assets | 1.3897% | 42 |
| Net operating income to assets | 4.7339% | 48 |
| Return on assets (ROA) | 4.8683% | 47 |
| Pretax return on assets | 4.8683% | 56 |
| Return on Equity (ROE) | 29.4202% | 60 |
| Retained earnings to average equity (ytd only) | 8.3401% | 1,116 |
| Net charge-offs to loans | 1.6063% | 85 |
| Credit loss provision to net charge-offs | 94.7110% | 2,396 |
| Earnings coverage of net charge-offs (x) | 4.1734% | 3,389 |
| Efficiency ratio | 35.1686% | 6,191 |
| Assets per employee ($millions) | 7.4058% | 720 |
| Cash dividends to net income (ytd only)* | 71.6516% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,580 |
| Loan loss allowance to noncurrent loans | 233.8509% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 1,205 |
| Noncurrent loans to loans | 0.4407% | 4,024 |
| Net loans and leases to total assets | 88.7582% | 103 |
| Net loans and leases to deposits | 110.4465% | 245 |
| Net loans and leases to core deposits | 638.1537% | 15 |
| Total domestic deposits to total assets | 80.3631% | 4,650 |
| Equity capital to assets | 17.8478% | 350 |
| Core capital (leverage) ratio | 18.3696% | 279 |
| Tier 1 risk-based capital ratio | 18.7682% | 1,832 |
| Total risk-based capital ratio | 19.7402% | 1,864 |
| Memoranda: | ||
| Average total assets | $166,651,250 | 3,388 |
| Average earning assets | $160,756,500 | 3,273 |
| Average equity | $27,576,750 | 2,509 |
| Average total loans | $152,233,250 | 2,577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4229% | 23 |
| Cost of funding earning assets | 0.5743% | 1,612 |
| Net interest margin | 8.8485% | 23 |
| Noninterest income to average assets | -0.0083% | 6,274 |
| Noninterest expense to average assets | 3.4117% | 1,453 |
| Loan and lease loss provision to assets | 1.9501% | 25 |
| Net operating income to assets | 3.1639% | 86 |
| Return on assets (ROA) | 3.3962% | 76 |
| Pretax return on assets | 3.3962% | 103 |
| Return on Equity (ROE) | 21.0592% | 229 |
| Retained earnings to average equity (ytd only) | -5.3479% | 6,035 |
| Net charge-offs to loans | 1.9031% | 78 |
| Credit loss provision to net charge-offs | 111.5123% | 1,908 |
| Earnings coverage of net charge-offs (x) | 2.9244% | 3,273 |
| Efficiency ratio | 40.0168% | 6,204 |
| Assets per employee ($millions) | 6.5276% | 1,039 |
| Cash dividends to net income (ytd only)* | 125.3946% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 3,822 |
| Loan loss allowance to noncurrent loans | 628.3688% | 840 |
| Noncurrent assets plus other real estate owned to assets | 1.5626% | 1,560 |
| Noncurrent loans to loans | 0.1902% | 5,018 |
| Net loans and leases to total assets | 89.7715% | 75 |
| Net loans and leases to deposits | 109.6049% | 267 |
| Net loans and leases to core deposits | 565.3713% | 18 |
| Total domestic deposits to total assets | 81.9046% | 4,320 |
| Equity capital to assets | 16.3183% | 489 |
| Core capital (leverage) ratio | 16.2067% | 443 |
| Tier 1 risk-based capital ratio | 17.1235% | 2,360 |
| Total risk-based capital ratio | 18.2630% | 2,343 |
| Memoranda: | ||
| Average total assets | $167,892,330 | 3,387 |
| Average earning assets | $161,925,330 | 3,278 |
| Average equity | $27,076,000 | 2,562 |
| Average total loans | $154,271,670 | 2,564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3539% | 24 |
| Cost of funding earning assets | 0.5750% | 1,617 |
| Net interest margin | 8.7789% | 23 |
| Noninterest income to average assets | 0.0117% | 6,308 |
| Noninterest expense to average assets | 3.1508% | 2,130 |
| Loan and lease loss provision to assets | 0.9939% | 81 |
| Net operating income to assets | 4.3326% | 55 |
| Return on assets (ROA) | 4.4407% | 54 |
| Pretax return on assets | 4.4407% | 73 |
| Return on Equity (ROE) | 27.6933% | 74 |
| Retained earnings to average equity (ytd only) | -1.6118% | 5,636 |
| Net charge-offs to loans | 1.1928% | 182 |
| Credit loss provision to net charge-offs | 90.1919% | 1,740 |
| Earnings coverage of net charge-offs (x) | 4.8337% | 2,448 |
| Efficiency ratio | 37.1674% | 6,319 |
| Assets per employee ($millions) | 6.7095% | 970 |
| Cash dividends to net income (ytd only)* | 105.8201% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 5,035 |
| Loan loss allowance to noncurrent loans | 94.6505% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.3441% | 939 |
| Noncurrent loans to loans | 1.0549% | 2,656 |
| Net loans and leases to total assets | 92.0375% | 24 |
| Net loans and leases to deposits | 111.2672% | 195 |
| Net loans and leases to core deposits | 592.8610% | 20 |
| Total domestic deposits to total assets | 82.7176% | 4,267 |
| Equity capital to assets | 16.2421% | 518 |
| Core capital (leverage) ratio | 16.3439% | 427 |
| Tier 1 risk-based capital ratio | 16.7483% | 2,580 |
| Total risk-based capital ratio | 17.7055% | 2,642 |
| Memoranda: | ||
| Average total assets | $170,243,000 | 3,361 |
| Average earning assets | $164,166,500 | 3,266 |
| Average equity | $27,299,000 | 2,553 |
| Average total loans | $157,272,000 | 2,524 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8771% | 17 |
| Cost of funding earning assets | 0.7572% | 811 |
| Net interest margin | 11.1198% | 17 |
| Noninterest income to average assets | -0.0905% | 6,447 |
| Noninterest expense to average assets | 3.5348% | 1,410 |
| Loan and lease loss provision to assets | 0.3840% | 479 |
| Net operating income to assets | 6.6793% | 30 |
| Return on assets (ROA) | 6.6793% | 30 |
| Pretax return on assets | 6.7312% | 38 |
| Return on Equity (ROE) | 37.7162% | 27 |
| Retained earnings to average equity (ytd only) | -0.7967% | 5,894 |
| Net charge-offs to loans | 0.4122% | 1,037 |
| Credit loss provision to net charge-offs | 103.0560% | 2,321 |
| Earnings coverage of net charge-offs (x) | 19.0934% | 1,800 |
| Efficiency ratio | 33.1908% | 6,454 |
| Assets per employee ($millions) | 6.9064% | 887 |
| Cash dividends to net income (ytd only)* | 102.1123% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 2,605 |
| Loan loss allowance to noncurrent loans | 189.1041% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.9871% | 1,285 |
| Noncurrent loans to loans | 0.7776% | 3,371 |
| Net loans and leases to total assets | 90.9319% | 49 |
| Net loans and leases to deposits | 109.9061% | 237 |
| Net loans and leases to core deposits | 628.6910% | 17 |
| Total domestic deposits to total assets | 82.7360% | 4,171 |
| Equity capital to assets | 15.8427% | 559 |
| Core capital (leverage) ratio | 16.7591% | 392 |
| Tier 1 risk-based capital ratio | 16.8527% | 2,575 |
| Total risk-based capital ratio | 18.1053% | 2,517 |
| Memoranda: | ||
| Average total assets | $158,054,800 | 3,518 |
| Average earning assets | $152,664,000 | 3,399 |
| Average equity | $27,990,600 | 2,415 |
| Average total loans | $142,895,200 | 2,670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7944% | 17 |
| Cost of funding earning assets | 0.7908% | 721 |
| Net interest margin | 11.0036% | 17 |
| Noninterest income to average assets | 0.0242% | 6,433 |
| Noninterest expense to average assets | 3.4403% | 1,580 |
| Loan and lease loss provision to assets | 0.5544% | 260 |
| Net operating income to assets | 6.5930% | 29 |
| Return on assets (ROA) | 6.5930% | 29 |
| Pretax return on assets | 6.6638% | 42 |
| Return on Equity (ROE) | 36.1628% | 35 |
| Retained earnings to average equity (ytd only) | 4.5944% | 3,367 |
| Net charge-offs to loans | 0.3363% | 1,194 |
| Credit loss provision to net charge-offs | 183.4286% | 1,365 |
| Earnings coverage of net charge-offs (x) | 23.8826% | 1,566 |
| Efficiency ratio | 32.2774% | 6,529 |
| Assets per employee ($millions) | 6.6759% | 928 |
| Cash dividends to net income (ytd only)* | 87.2953% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 2,161 |
| Loan loss allowance to noncurrent loans | 313.7303% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 1,685 |
| Noncurrent loans to loans | 0.5231% | 4,362 |
| Net loans and leases to total assets | 92.7237% | 20 |
| Net loans and leases to deposits | 113.7346% | 157 |
| Net loans and leases to core deposits | 590.3674% | 19 |
| Total domestic deposits to total assets | 81.5263% | 4,650 |
| Equity capital to assets | 17.1010% | 415 |
| Core capital (leverage) ratio | 17.2556% | 346 |
| Tier 1 risk-based capital ratio | 18.0116% | 2,206 |
| Total risk-based capital ratio | 19.2662% | 2,162 |
| Memoranda: | ||
| Average total assets | $154,403,500 | 3,600 |
| Average earning assets | $149,219,750 | 3,482 |
| Average equity | $28,149,750 | 2,409 |
| Average total loans | $138,782,500 | 2,749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5300% | 17 |
| Cost of funding earning assets | 0.7970% | 721 |
| Net interest margin | 10.7330% | 17 |
| Noninterest income to average assets | 0.1211% | 6,195 |
| Noninterest expense to average assets | 3.3387% | 1,824 |
| Loan and lease loss provision to assets | 0.3474% | 519 |
| Net operating income to assets | 6.7972% | 31 |
| Return on assets (ROA) | 6.7972% | 31 |
| Pretax return on assets | 6.7972% | 41 |
| Return on Equity (ROE) | 36.4463% | 37 |
| Retained earnings to average equity (ytd only) | 8.9581% | 997 |
| Net charge-offs to loans | 0.2956% | 1,358 |
| Credit loss provision to net charge-offs | 133.1633% | 1,587 |
| Earnings coverage of net charge-offs (x) | 27.3827% | 1,346 |
| Efficiency ratio | 31.8476% | 6,595 |
| Assets per employee ($millions) | 7.0389% | 786 |
| Cash dividends to net income (ytd only)* | 75.4211% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,110 |
| Loan loss allowance to noncurrent loans | 164.4603% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.9363% | 1,666 |
| Noncurrent loans to loans | 0.6391% | 4,108 |
| Net loans and leases to total assets | 89.9943% | 51 |
| Net loans and leases to deposits | 109.9014% | 209 |
| Net loans and leases to core deposits | 529.6140% | 22 |
| Total domestic deposits to total assets | 81.8864% | 4,683 |
| Equity capital to assets | 17.0629% | 410 |
| Core capital (leverage) ratio | 18.1761% | 286 |
| Tier 1 risk-based capital ratio | 18.4079% | 2,099 |
| Total risk-based capital ratio | 19.4393% | 2,140 |
| Memoranda: | ||
| Average total assets | $150,239,000 | 3,675 |
| Average earning assets | $145,048,330 | 3,581 |
| Average equity | $28,019,330 | 2,410 |
| Average total loans | $132,598,330 | 2,823 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6853% | 24 |
| Cost of funding earning assets | 0.8196% | 672 |
| Net interest margin | 8.8657% | 26 |
| Noninterest income to average assets | 0.1561% | 6,035 |
| Noninterest expense to average assets | 2.8220% | 3,482 |
| Loan and lease loss provision to assets | 0.4968% | 302 |
| Net operating income to assets | 5.3743% | 44 |
| Return on assets (ROA) | 5.3743% | 44 |
| Pretax return on assets | 5.3743% | 58 |
| Return on Equity (ROE) | 27.4184% | 88 |
| Retained earnings to average equity (ytd only) | 1.3470% | 5,074 |
| Net charge-offs to loans | 0.6029% | 617 |
| Credit loss provision to net charge-offs | 95.1087% | 1,750 |
| Earnings coverage of net charge-offs (x) | 11.2391% | 1,793 |
| Efficiency ratio | 32.4624% | 6,660 |
| Assets per employee ($millions) | 9.5027% | 281 |
| Cash dividends to net income (ytd only)* | 95.0872% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,189 |
| Loan loss allowance to noncurrent loans | 234.5510% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 2.1418% | 1,564 |
| Noncurrent loans to loans | 0.5488% | 4,516 |
| Net loans and leases to total assets | 82.9039% | 300 |
| Net loans and leases to deposits | 104.4467% | 277 |
| Net loans and leases to core deposits | 407.2930% | 25 |
| Total domestic deposits to total assets | 79.3744% | 5,616 |
| Equity capital to assets | 19.4070% | 242 |
| Core capital (leverage) ratio | 19.9171% | 207 |
| Tier 1 risk-based capital ratio | 22.6353% | 1,186 |
| Total risk-based capital ratio | 23.8855% | 1,170 |
| Memoranda: | ||
| Average total assets | $140,891,500 | 3,864 |
| Average earning assets | $135,669,500 | 3,736 |
| Average equity | $27,616,500 | 2,431 |
| Average total loans | $122,074,500 | 3,030 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6215% | 20 |
| Cost of funding earning assets | 0.8665% | 878 |
| Net interest margin | 9.7550% | 21 |
| Noninterest income to average assets | 0.3978% | 4,461 |
| Noninterest expense to average assets | 2.8545% | 3,516 |
| Loan and lease loss provision to assets | 0.0733% | 3,652 |
| Net operating income to assets | 6.8344% | 34 |
| Return on assets (ROA) | 6.8344% | 34 |
| Pretax return on assets | 6.8404% | 42 |
| Return on Equity (ROE) | 32.5086% | 55 |
| Retained earnings to average equity (ytd only) | -6.7158% | 6,444 |
| Net charge-offs to loans | 0.4042% | 1,669 |
| Credit loss provision to net charge-offs | 19.7581% | 4,448 |
| Earnings coverage of net charge-offs (x) | 18.6391% | 1,643 |
| Efficiency ratio | 29.2222% | 6,767 |
| Assets per employee ($millions) | 9.9459% | 237 |
| Cash dividends to net income (ytd only)* | 120.6587% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,408 |
| Loan loss allowance to noncurrent loans | 833.3333% | 605 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 1,972 |
| Noncurrent loans to loans | 0.1495% | 5,749 |
| Net loans and leases to total assets | 88.2535% | 78 |
| Net loans and leases to deposits | 111.1990% | 155 |
| Net loans and leases to core deposits | 481.0758% | 21 |
| Total domestic deposits to total assets | 79.3654% | 5,585 |
| Equity capital to assets | 19.8001% | 223 |
| Core capital (leverage) ratio | 20.1203% | 194 |
| Tier 1 risk-based capital ratio | 21.7874% | 1,294 |
| Total risk-based capital ratio | 23.0123% | 1,276 |
| Memoranda: | ||
| Average total assets | $133,720,800 | 4,001 |
| Average earning assets | $128,447,200 | 3,878 |
| Average equity | $28,112,600 | 2,373 |
| Average total loans | $122,706,800 | 2,990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4344% | 23 |
| Cost of funding earning assets | 0.8849% | 883 |
| Net interest margin | 9.5495% | 23 |
| Noninterest income to average assets | 0.2035% | 5,965 |
| Noninterest expense to average assets | 2.6487% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 6.5970% | 33 |
| Return on assets (ROA) | 6.5970% | 32 |
| Pretax return on assets | 6.7199% | 42 |
| Return on Equity (ROE) | 30.9062% | 64 |
| Retained earnings to average equity (ytd only) | -10.4027% | 6,647 |
| Net charge-offs to loans | 0.1428% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 50.9167% | 855 |
| Efficiency ratio | 28.2719% | 6,846 |
| Assets per employee ($millions) | 10.0399% | 230 |
| Cash dividends to net income (ytd only)* | 133.6591% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 3,698 |
| Loan loss allowance to noncurrent loans | 1,121.6049% | 423 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 1,534 |
| Noncurrent loans to loans | 0.1290% | 5,931 |
| Net loans and leases to total assets | 88.0782% | 86 |
| Net loans and leases to deposits | 110.3406% | 145 |
| Net loans and leases to core deposits | 428.5551% | 23 |
| Total domestic deposits to total assets | 79.8240% | 5,553 |
| Equity capital to assets | 19.3856% | 234 |
| Core capital (leverage) ratio | 20.8288% | 167 |
| Tier 1 risk-based capital ratio | 21.5696% | 1,390 |
| Total risk-based capital ratio | 22.8211% | 1,364 |
| Memoranda: | ||
| Average total assets | $132,340,500 | 4,063 |
| Average earning assets | $127,012,250 | 3,939 |
| Average equity | $28,248,250 | 2,387 |
| Average total loans | $122,274,500 | 3,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6582% | 29 |
| Cost of funding earning assets | 0.9258% | 791 |
| Net interest margin | 8.7324% | 27 |
| Noninterest income to average assets | 0.2500% | 5,658 |
| Noninterest expense to average assets | 2.4845% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 6.0138% | 34 |
| Return on assets (ROA) | 6.0138% | 34 |
| Pretax return on assets | 6.1496% | 46 |
| Return on Equity (ROE) | 27.2692% | 94 |
| Retained earnings to average equity (ytd only) | -25.1560% | 6,827 |
| Net charge-offs to loans | -0.2443% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7757% | 6,887 |
| Assets per employee ($millions) | 8.6213% | 354 |
| Cash dividends to net income (ytd only)* | 192.2504% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,653 |
| Loan loss allowance to noncurrent loans | 145.8594% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 2.9624% | 1,376 |
| Noncurrent loans to loans | 1.1888% | 3,574 |
| Net loans and leases to total assets | 91.8488% | 19 |
| Net loans and leases to deposits | 115.4238% | 87 |
| Net loans and leases to core deposits | 376.4396% | 25 |
| Total domestic deposits to total assets | 79.5753% | 5,700 |
| Equity capital to assets | 19.9947% | 210 |
| Core capital (leverage) ratio | 20.0551% | 191 |
| Tier 1 risk-based capital ratio | 21.8890% | 1,306 |
| Total risk-based capital ratio | 23.1461% | 1,281 |
| Memoranda: | ||
| Average total assets | $129,601,330 | 4,150 |
| Average earning assets | $124,433,000 | 4,028 |
| Average equity | $28,581,670 | 2,379 |
| Average total loans | $121,160,000 | 3,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3646% | 23 |
| Cost of funding earning assets | 0.9311% | 844 |
| Net interest margin | 9.4335% | 23 |
| Noninterest income to average assets | 0.2004% | 6,042 |
| Noninterest expense to average assets | 2.2074% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 6.9060% | 34 |
| Return on assets (ROA) | 6.9060% | 36 |
| Pretax return on assets | 7.0509% | 42 |
| Return on Equity (ROE) | 29.9225% | 78 |
| Retained earnings to average equity (ytd only) | 13.1445% | 539 |
| Net charge-offs to loans | 0.1253% | 2,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 60.1842% | 594 |
| Efficiency ratio | 23.8428% | 6,981 |
| Assets per employee ($millions) | 10.1160% | 218 |
| Cash dividends to net income (ytd only)* | 56.0714% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,478 |
| Loan loss allowance to noncurrent loans | 85.9973% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.3390% | 1,304 |
| Noncurrent loans to loans | 1.8386% | 2,814 |
| Net loans and leases to total assets | 90.4044% | 32 |
| Net loans and leases to deposits | 118.9021% | 73 |
| Net loans and leases to core deposits | 371.4817% | 27 |
| Total domestic deposits to total assets | 76.0326% | 6,361 |
| Equity capital to assets | 23.1438% | 125 |
| Core capital (leverage) ratio | 23.6231% | 100 |
| Tier 1 risk-based capital ratio | 25.8177% | 804 |
| Total risk-based capital ratio | 27.0723% | 794 |
| Memoranda: | ||
| Average total assets | $129,742,500 | 4,190 |
| Average earning assets | $124,577,500 | 4,051 |
| Average equity | $29,944,000 | 2,295 |
| Average total loans | $121,303,000 | 3,062 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2343% | 20 |
| Cost of funding earning assets | 1.1506% | 731 |
| Net interest margin | 10.0837% | 20 |
| Noninterest income to average assets | 0.5103% | 3,831 |
| Noninterest expense to average assets | 3.1191% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 6.8100% | 31 |
| Return on assets (ROA) | 6.8100% | 32 |
| Pretax return on assets | 6.9446% | 43 |
| Return on Equity (ROE) | 26.6937% | 93 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,633 |
| Net charge-offs to loans | 0.4502% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.9015% | 1,541 |
| Efficiency ratio | 30.9932% | 7,018 |
| Assets per employee ($millions) | 9.8444% | 254 |
| Cash dividends to net income (ytd only)* | 86.2274% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 3,312 |
| Loan loss allowance to noncurrent loans | 87.0420% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 3.4444% | 1,323 |
| Noncurrent loans to loans | 1.8373% | 2,872 |
| Net loans and leases to total assets | 93.6567% | 10 |
| Net loans and leases to deposits | 123.1496% | 60 |
| Net loans and leases to core deposits | 386.2930% | 30 |
| Total domestic deposits to total assets | 76.0512% | 6,348 |
| Equity capital to assets | 23.0135% | 126 |
| Core capital (leverage) ratio | 24.2254% | 101 |
| Tier 1 risk-based capital ratio | 24.4567% | 911 |
| Total risk-based capital ratio | 25.7114% | 894 |
| Memoranda: | ||
| Average total assets | $113,656,000 | 4,506 |
| Average earning assets | $107,679,000 | 4,403 |
| Average equity | $28,995,600 | 2,324 |
| Average total loans | $103,725,800 | 3,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2219% | 18 |
| Cost of funding earning assets | 1.1854% | 737 |
| Net interest margin | 10.0365% | 19 |
| Noninterest income to average assets | 0.7413% | 2,524 |
| Noninterest expense to average assets | 3.1384% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 6.9381% | 30 |
| Return on assets (ROA) | 6.9381% | 30 |
| Pretax return on assets | 7.0786% | 43 |
| Return on Equity (ROE) | 26.4430% | 119 |
| Retained earnings to average equity (ytd only) | 4.8380% | 3,480 |
| Net charge-offs to loans | 0.3441% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 22.8285% | 1,342 |
| Efficiency ratio | 30.7172% | 7,118 |
| Assets per employee ($millions) | 8.2221% | 439 |
| Cash dividends to net income (ytd only)* | 81.7039% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 1,841 |
| Loan loss allowance to noncurrent loans | 74.6800% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 4.7508% | 952 |
| Noncurrent loans to loans | 2.8607% | 1,967 |
| Net loans and leases to total assets | 92.5267% | 24 |
| Net loans and leases to deposits | 128.8855% | 50 |
| Net loans and leases to core deposits | 331.2312% | 34 |
| Total domestic deposits to total assets | 71.7898% | 6,755 |
| Equity capital to assets | 27.5309% | 78 |
| Core capital (leverage) ratio | 27.2162% | 76 |
| Tier 1 risk-based capital ratio | 27.6866% | 691 |
| Total risk-based capital ratio | 28.9464% | 674 |
| Memoranda: | ||
| Average total assets | $110,075,750 | 4,636 |
| Average earning assets | $103,925,250 | 4,543 |
| Average equity | $28,881,500 | 2,341 |
| Average total loans | $99,205,500 | 3,583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2875% | 19 |
| Cost of funding earning assets | 1.1694% | 946 |
| Net interest margin | 10.1181% | 20 |
| Noninterest income to average assets | 1.0941% | 1,197 |
| Noninterest expense to average assets | 3.2752% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 7.1802% | 29 |
| Return on assets (ROA) | 7.1802% | 29 |
| Pretax return on assets | 7.3638% | 40 |
| Return on Equity (ROE) | 27.8052% | 105 |
| Retained earnings to average equity (ytd only) | 3.5540% | 4,232 |
| Net charge-offs to loans | 0.1420% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 58.4571% | 650 |
| Efficiency ratio | 30.7848% | 7,175 |
| Assets per employee ($millions) | 7.9094% | 488 |
| Cash dividends to net income (ytd only)* | 87.2180% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3339% | 1,531 |
| Loan loss allowance to noncurrent loans | 68.5472% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 5.1142% | 923 |
| Noncurrent loans to loans | 3.4048% | 1,700 |
| Net loans and leases to total assets | 88.6211% | 66 |
| Net loans and leases to deposits | 120.8123% | 70 |
| Net loans and leases to core deposits | 286.4804% | 40 |
| Total domestic deposits to total assets | 73.3543% | 6,726 |
| Equity capital to assets | 26.0894% | 93 |
| Core capital (leverage) ratio | 26.0679% | 88 |
| Tier 1 risk-based capital ratio | 27.2669% | 702 |
| Total risk-based capital ratio | 28.5288% | 685 |
| Memoranda: | ||
| Average total assets | $111,138,670 | 4,639 |
| Average earning assets | $104,842,000 | 4,540 |
| Average equity | $28,699,670 | 2,348 |
| Average total loans | $98,588,000 | 3,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3300% | 16 |
| Cost of funding earning assets | 1.1456% | 1,191 |
| Net interest margin | 11.1845% | 16 |
| Noninterest income to average assets | 2.0729% | 382 |
| Noninterest expense to average assets | 3.5171% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 8.7586% | 26 |
| Return on assets (ROA) | 8.7586% | 26 |
| Pretax return on assets | 9.0783% | 35 |
| Return on Equity (ROE) | 34.0919% | 71 |
| Retained earnings to average equity (ytd only) | 6.3206% | 2,788 |
| Net charge-offs to loans | 0.2212% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 46.7963% | 668 |
| Efficiency ratio | 27.9236% | 7,243 |
| Assets per employee ($millions) | 8.3835% | 412 |
| Cash dividends to net income (ytd only)* | 81.4602% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 1,495 |
| Loan loss allowance to noncurrent loans | 71.7411% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 5.0768% | 1,017 |
| Noncurrent loans to loans | 3.3530% | 1,893 |
| Net loans and leases to total assets | 87.8937% | 73 |
| Net loans and leases to deposits | 120.3178% | 70 |
| Net loans and leases to core deposits | 288.9100% | 39 |
| Total domestic deposits to total assets | 73.0513% | 6,827 |
| Equity capital to assets | 26.4541% | 78 |
| Core capital (leverage) ratio | 25.8834% | 84 |
| Tier 1 risk-based capital ratio | 27.4591% | 689 |
| Total risk-based capital ratio | 28.7211% | 669 |
| Memoranda: | ||
| Average total assets | $111,342,500 | 4,676 |
| Average earning assets | $104,752,500 | 4,583 |
| Average equity | $28,605,000 | 2,352 |
| Average total loans | $97,644,000 | 3,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0369% | 12 |
| Cost of funding earning assets | 1.3234% | 1,372 |
| Net interest margin | 13.7135% | 11 |
| Noninterest income to average assets | 0.7582% | 2,292 |
| Noninterest expense to average assets | 4.0597% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 9.6320% | 19 |
| Return on assets (ROA) | 9.6320% | 21 |
| Pretax return on assets | 9.7796% | 26 |
| Return on Equity (ROE) | 43.8870% | 13 |
| Retained earnings to average equity (ytd only) | 11.0015% | 403 |
| Net charge-offs to loans | 0.8856% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 12.5287% | 1,616 |
| Efficiency ratio | 29.3348% | 7,301 |
| Assets per employee ($millions) | 7.5800% | 555 |
| Cash dividends to net income (ytd only)* | 74.9321% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4862% | 1,337 |
| Loan loss allowance to noncurrent loans | 101.7699% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 4.2929% | 1,298 |
| Noncurrent loans to loans | 2.4430% | 2,690 |
| Net loans and leases to total assets | 83.3078% | 247 |
| Net loans and leases to deposits | 112.7456% | 134 |
| Net loans and leases to core deposits | 287.4078% | 44 |
| Total domestic deposits to total assets | 73.8901% | 6,728 |
| Equity capital to assets | 24.9595% | 106 |
| Core capital (leverage) ratio | 27.4103% | 79 |
| Tier 1 risk-based capital ratio | 26.9614% | 712 |
| Total risk-based capital ratio | 28.2240% | 683 |
| Memoranda: | ||
| Average total assets | $107,100,800 | 4,702 |
| Average earning assets | $102,162,000 | 4,581 |
| Average equity | $23,505,800 | 2,727 |
| Average total loans | $94,394,800 | 3,759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4669% | 11 |
| Cost of funding earning assets | 1.3823% | 1,310 |
| Net interest margin | 14.0845% | 12 |
| Noninterest income to average assets | -0.2086% | 7,272 |
| Noninterest expense to average assets | 3.9689% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 9.2704% | 22 |
| Return on assets (ROA) | 9.2704% | 24 |
| Pretax return on assets | 9.3235% | 30 |
| Return on Equity (ROE) | 43.8621% | 19 |
| Retained earnings to average equity (ytd only) | 7.8547% | 1,563 |
| Net charge-offs to loans | 0.7726% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.5801% | 1,602 |
| Efficiency ratio | 29.8583% | 7,370 |
| Assets per employee ($millions) | 8.2868% | 423 |
| Cash dividends to net income (ytd only)* | 82.0921% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8854% | 948 |
| Loan loss allowance to noncurrent loans | 151.7937% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 4.7267% | 1,244 |
| Noncurrent loans to loans | 1.9009% | 3,503 |
| Net loans and leases to total assets | 84.6057% | 183 |
| Net loans and leases to deposits | 114.1097% | 129 |
| Net loans and leases to core deposits | 243.8831% | 52 |
| Total domestic deposits to total assets | 74.1441% | 6,739 |
| Equity capital to assets | 25.1513% | 118 |
| Core capital (leverage) ratio | 26.2259% | 102 |
| Tier 1 risk-based capital ratio | 26.6875% | 763 |
| Total risk-based capital ratio | 27.9551% | 744 |
| Memoranda: | ||
| Average total assets | $105,451,000 | 4,777 |
| Average earning assets | $101,082,250 | 4,639 |
| Average equity | $22,287,500 | 2,859 |
| Average total loans | $93,709,500 | 3,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5116% | 14 |
| Cost of funding earning assets | 1.4079% | 1,385 |
| Net interest margin | 13.1037% | 13 |
| Noninterest income to average assets | -0.2904% | 7,378 |
| Noninterest expense to average assets | 3.8933% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 8.4113% | 29 |
| Return on assets (ROA) | 8.4113% | 30 |
| Pretax return on assets | 8.4763% | 41 |
| Return on Equity (ROE) | 42.5719% | 29 |
| Retained earnings to average equity (ytd only) | -1.1216% | 6,071 |
| Net charge-offs to loans | 1.2663% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.4823% | 2,217 |
| Efficiency ratio | 31.4749% | 7,429 |
| Assets per employee ($millions) | 7.7360% | 502 |
| Cash dividends to net income (ytd only)* | 102.6346% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6514% | 1,240 |
| Loan loss allowance to noncurrent loans | 74.4538% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 3.8761% | 1,669 |
| Noncurrent loans to loans | 3.5611% | 1,987 |
| Net loans and leases to total assets | 90.1084% | 41 |
| Net loans and leases to deposits | 112.3544% | 149 |
| Net loans and leases to core deposits | 283.3900% | 49 |
| Total domestic deposits to total assets | 80.2002% | 5,770 |
| Equity capital to assets | 19.3363% | 297 |
| Core capital (leverage) ratio | 20.3131% | 209 |
| Tier 1 risk-based capital ratio | 20.0362% | 1,601 |
| Total risk-based capital ratio | 21.3019% | 1,577 |
| Memoranda: | ||
| Average total assets | $104,692,000 | 4,840 |
| Average earning assets | $101,146,670 | 4,679 |
| Average equity | $20,685,000 | 3,038 |
| Average total loans | $93,662,000 | 3,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8096% | 13 |
| Cost of funding earning assets | 1.4355% | 1,451 |
| Net interest margin | 13.3741% | 14 |
| Noninterest income to average assets | -0.5832% | 7,506 |
| Noninterest expense to average assets | 4.3504% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 7.9778% | 31 |
| Return on assets (ROA) | 7.9778% | 31 |
| Pretax return on assets | 7.9972% | 39 |
| Return on Equity (ROE) | 39.9290% | 44 |
| Retained earnings to average equity (ytd only) | -19.5169% | 7,149 |
| Net charge-offs to loans | 2.0804% | 607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.3766% | 2,493 |
| Efficiency ratio | 35.2330% | 7,456 |
| Assets per employee ($millions) | 7.9684% | 474 |
| Cash dividends to net income (ytd only)* | 148.8791% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1301% | 821 |
| Loan loss allowance to noncurrent loans | 107.5406% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 3.1026% | 2,224 |
| Noncurrent loans to loans | 2.9107% | 2,583 |
| Net loans and leases to total assets | 83.0831% | 268 |
| Net loans and leases to deposits | 103.4808% | 328 |
| Net loans and leases to core deposits | 235.1760% | 59 |
| Total domestic deposits to total assets | 80.2884% | 5,876 |
| Equity capital to assets | 19.3602% | 287 |
| Core capital (leverage) ratio | 20.0976% | 225 |
| Tier 1 risk-based capital ratio | 21.2227% | 1,360 |
| Total risk-based capital ratio | 22.4936% | 1,326 |
| Memoranda: | ||
| Average total assets | $102,886,000 | 4,921 |
| Average earning assets | $99,476,000 | 4,755 |
| Average equity | $20,556,500 | 3,047 |
| Average total loans | $90,368,500 | 3,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2303% | 8 |
| Cost of funding earning assets | 1.4730% | 2,802 |
| Net interest margin | 16.7573% | 7 |
| Noninterest income to average assets | -0.2297% | 7,480 |
| Noninterest expense to average assets | 3.1539% | 3,258 |
| Loan and lease loss provision to assets | 2.6451% | 402 |
| Net operating income to assets | 10.0123% | 17 |
| Return on assets (ROA) | 10.2327% | 16 |
| Pretax return on assets | 10.2327% | 21 |
| Return on Equity (ROE) | 66.2819% | 7 |
| Retained earnings to average equity (ytd only) | 50.6784% | 6 |
| Net charge-offs to loans | 0.7703% | 2,714 |
| Credit loss provision to net charge-offs | 390.6593% | 632 |
| Earnings coverage of net charge-offs (x) | 18.6937% | 1,093 |
| Efficiency ratio | 19.9471% | 7,622 |
| Assets per employee ($millions) | 7.8602% | 504 |
| Cash dividends to net income (ytd only)* | 23.5412% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5379% | 585 |
| Loan loss allowance to noncurrent loans | 273.1933% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7792% | 3,646 |
| Noncurrent loans to loans | 1.2950% | 4,550 |
| Net loans and leases to total assets | 86.7463% | 145 |
| Net loans and leases to deposits | 110.5609% | 228 |
| Net loans and leases to core deposits | 286.9723% | 50 |
| Total domestic deposits to total assets | 78.4602% | 6,225 |
| Equity capital to assets | 20.6081% | 227 |
| Core capital (leverage) ratio | 20.5164% | 210 |
| Tier 1 risk-based capital ratio | 21.8517% | 1,197 |
| Total risk-based capital ratio | 23.1311% | 1,172 |
| Memoranda: | ||
| Average total assets | $107,518,000 | 4,786 |
| Average earning assets | $102,922,200 | 4,645 |
| Average equity | $16,598,800 | 3,661 |
| Average total loans | $94,505,600 | 3,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0899% | 7 |
| Cost of funding earning assets | 1.4767% | 3,108 |
| Net interest margin | 17.6131% | 6 |
| Noninterest income to average assets | -0.3038% | 7,632 |
| Noninterest expense to average assets | 2.6176% | 5,251 |
| Loan and lease loss provision to assets | 3.4848% | 212 |
| Net operating income to assets | 10.4237% | 15 |
| Return on assets (ROA) | 10.7140% | 16 |
| Pretax return on assets | 10.7140% | 20 |
| Return on Equity (ROE) | 75.3189% | 7 |
| Retained earnings to average equity (ytd only) | 53.0169% | 7 |
| Net charge-offs to loans | 1.3605% | 1,490 |
| Credit loss provision to net charge-offs | 292.9969% | 1,090 |
| Earnings coverage of net charge-offs (x) | 11.6942% | 1,768 |
| Efficiency ratio | 15.8390% | 7,738 |
| Assets per employee ($millions) | 7.3479% | 668 |
| Cash dividends to net income (ytd only)* | 29.6102% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2371% | 677 |
| Loan loss allowance to noncurrent loans | 204.4158% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 3,407 |
| Noncurrent loans to loans | 1.5836% | 4,266 |
| Net loans and leases to total assets | 87.4356% | 125 |
| Net loans and leases to deposits | 107.4650% | 308 |
| Net loans and leases to core deposits | 264.7466% | 55 |
| Total domestic deposits to total assets | 81.3619% | 5,250 |
| Equity capital to assets | 18.2658% | 392 |
| Core capital (leverage) ratio | 17.6243% | 377 |
| Tier 1 risk-based capital ratio | 19.1672% | 1,714 |
| Total risk-based capital ratio | 20.4433% | 1,679 |
| Memoranda: | ||
| Average total assets | $108,851,750 | 4,809 |
| Average earning assets | $104,010,750 | 4,667 |
| Average equity | $15,484,000 | 3,909 |
| Average total loans | $95,159,250 | 3,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.5702% | 6 |
| Cost of funding earning assets | 1.4171% | 3,767 |
| Net interest margin | 19.1532% | 6 |
| Noninterest income to average assets | -0.3807% | 7,730 |
| Noninterest expense to average assets | 2.5711% | 5,450 |
| Loan and lease loss provision to assets | 5.1333% | 98 |
| Net operating income to assets | 10.1565% | 20 |
| Return on assets (ROA) | 10.5841% | 18 |
| Pretax return on assets | 10.5841% | 23 |
| Return on Equity (ROE) | 81.5742% | 8 |
| Retained earnings to average equity (ytd only) | 63.0788% | 8 |
| Net charge-offs to loans | 0.9823% | 1,883 |
| Credit loss provision to net charge-offs | 604.0340% | 607 |
| Earnings coverage of net charge-offs (x) | 17.9915% | 1,310 |
| Efficiency ratio | 14.3954% | 7,805 |
| Assets per employee ($millions) | 7.4689% | 629 |
| Cash dividends to net income (ytd only)* | 22.6730% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7153% | 467 |
| Loan loss allowance to noncurrent loans | 200.0570% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2904% | 3,143 |
| Noncurrent loans to loans | 1.8571% | 3,924 |
| Net loans and leases to total assets | 86.9689% | 174 |
| Net loans and leases to deposits | 104.4448% | 466 |
| Net loans and leases to core deposits | 210.7118% | 83 |
| Total domestic deposits to total assets | 83.2678% | 4,461 |
| Equity capital to assets | 16.4185% | 608 |
| Core capital (leverage) ratio | 16.1965% | 541 |
| Tier 1 risk-based capital ratio | 16.9504% | 2,299 |
| Total risk-based capital ratio | 18.2309% | 2,239 |
| Memoranda: | ||
| Average total assets | $110,845,670 | 4,776 |
| Average earning assets | $105,570,000 | 4,656 |
| Average equity | $14,382,000 | 4,119 |
| Average total loans | $95,894,330 | 4,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.0168% | 15 |
| Cost of funding earning assets | 1.3817% | 4,296 |
| Net interest margin | 14.6351% | 13 |
| Noninterest income to average assets | 0.1369% | 6,995 |
| Noninterest expense to average assets | 2.6600% | 5,102 |
| Loan and lease loss provision to assets | 5.0743% | 154 |
| Net operating income to assets | 6.3411% | 31 |
| Return on assets (ROA) | 7.1728% | 26 |
| Pretax return on assets | 7.1728% | 38 |
| Return on Equity (ROE) | 62.9456% | 15 |
| Retained earnings to average equity (ytd only) | 21.9878% | 150 |
| Net charge-offs to loans | 2.3764% | 708 |
| Credit loss provision to net charge-offs | 251.9164% | 1,530 |
| Earnings coverage of net charge-offs (x) | 5.6672% | 2,349 |
| Efficiency ratio | 18.8980% | 7,904 |
| Assets per employee ($millions) | 8.1766% | 482 |
| Cash dividends to net income (ytd only)* | 65.0685% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 1,900 |
| Loan loss allowance to noncurrent loans | 103.0287% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 3,411 |
| Noncurrent loans to loans | 2.0623% | 3,704 |
| Net loans and leases to total assets | 86.9741% | 168 |
| Net loans and leases to deposits | 99.7809% | 769 |
| Net loans and leases to core deposits | 168.6459% | 160 |
| Total domestic deposits to total assets | 87.1651% | 2,540 |
| Equity capital to assets | 12.5555% | 1,726 |
| Core capital (leverage) ratio | 12.1749% | 1,557 |
| Tier 1 risk-based capital ratio | 12.9713% | 4,351 |
| Total risk-based capital ratio | 14.2328% | 4,321 |
| Memoranda: | ||
| Average total assets | $113,986,000 | 4,768 |
| Average earning assets | $108,561,000 | 4,645 |
| Average equity | $12,989,000 | 4,476 |
| Average total loans | $96,617,500 | 4,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4221% | 21 |
| Cost of funding earning assets | 1.7236% | 4,390 |
| Net interest margin | 11.6985% | 18 |
| Noninterest income to average assets | -0.1851% | 7,851 |
| Noninterest expense to average assets | 3.4638% | 2,476 |
| Loan and lease loss provision to assets | 2.5333% | 782 |
| Net operating income to assets | 5.0472% | 27 |
| Return on assets (ROA) | 5.0199% | 26 |
| Pretax return on assets | 5.0199% | 42 |
| Return on Equity (ROE) | 46.9508% | 15 |
| Retained earnings to average equity (ytd only) | 21.5798% | 33 |
| Net charge-offs to loans | 2.7974% | 792 |
| Credit loss provision to net charge-offs | 103.0928% | 5,357 |
| Earnings coverage of net charge-offs (x) | 3.0849% | 3,523 |
| Efficiency ratio | 31.3630% | 7,928 |
| Assets per employee ($millions) | 10.1397% | 251 |
| Cash dividends to net income (ytd only)* | 54.0373% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,646 |
| Loan loss allowance to noncurrent loans | 47.3311% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1894% | 3,146 |
| Noncurrent loans to loans | 2.4277% | 3,126 |
| Net loans and leases to total assets | 80.2484% | 949 |
| Net loans and leases to deposits | 143.3902% | 55 |
| Net loans and leases to core deposits | 282.7118% | 39 |
| Total domestic deposits to total assets | 55.9650% | 7,855 |
| Equity capital to assets | 10.3817% | 3,311 |
| Core capital (leverage) ratio | 11.0652% | 2,192 |
| Tier 1 risk-based capital ratio | 11.2635% | 5,648 |
| Total risk-based capital ratio | 12.2755% | 5,861 |
| Memoranda: | ||
| Average total assets | $102,632,000 | 5,022 |
| Average earning assets | $98,516,600 | 4,879 |
| Average equity | $10,973,200 | 5,030 |
| Average total loans | $90,153,600 | 4,206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7372% | 28 |
| Cost of funding earning assets | 1.9343% | 3,690 |
| Net interest margin | 9.8030% | 26 |
| Noninterest income to average assets | -0.2411% | 7,993 |
| Noninterest expense to average assets | 3.0379% | 3,890 |
| Loan and lease loss provision to assets | 2.0462% | 874 |
| Net operating income to assets | 4.1060% | 39 |
| Return on assets (ROA) | 4.1060% | 37 |
| Pretax return on assets | 4.1060% | 49 |
| Return on Equity (ROE) | 38.0600% | 28 |
| Retained earnings to average equity (ytd only) | 12.4383% | 304 |
| Net charge-offs to loans | 0.5561% | 3,012 |
| Credit loss provision to net charge-offs | 409.2643% | 971 |
| Earnings coverage of net charge-offs (x) | 12.3052% | 1,774 |
| Efficiency ratio | 33.0566% | 7,993 |
| Assets per employee ($millions) | 9.5014% | 308 |
| Cash dividends to net income (ytd only)* | 67.3192% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,621 |
| Loan loss allowance to noncurrent loans | 196.2399% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 5,101 |
| Noncurrent loans to loans | 1.0642% | 5,188 |
| Net loans and leases to total assets | 90.1383% | 111 |
| Net loans and leases to deposits | 182.4934% | 32 |
| Net loans and leases to core deposits | 317.4750% | 32 |
| Total domestic deposits to total assets | 49.3926% | 7,981 |
| Equity capital to assets | 9.8485% | 4,286 |
| Core capital (leverage) ratio | 10.0607% | 3,221 |
| Tier 1 risk-based capital ratio | 9.8270% | 7,108 |
| Total risk-based capital ratio | 11.0881% | 7,069 |
| Memoranda: | ||
| Average total assets | $97,871,000 | 5,175 |
| Average earning assets | $94,159,750 | 5,034 |
| Average equity | $10,558,500 | 5,174 |
| Average total loans | $87,997,500 | 4,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0472% | 33 |
| Cost of funding earning assets | 2.1811% | 2,876 |
| Net interest margin | 8.8661% | 31 |
| Noninterest income to average assets | -0.2379% | 8,079 |
| Noninterest expense to average assets | 3.2696% | 3,086 |
| Loan and lease loss provision to assets | 1.6305% | 1,029 |
| Net operating income to assets | 3.3972% | 44 |
| Return on assets (ROA) | 3.3972% | 48 |
| Pretax return on assets | 3.3972% | 77 |
| Return on Equity (ROE) | 30.4015% | 70 |
| Retained earnings to average equity (ytd only) | 3.9090% | 3,110 |
| Net charge-offs to loans | 0.5708% | 2,622 |
| Credit loss provision to net charge-offs | 320.8511% | 1,453 |
| Earnings coverage of net charge-offs (x) | 9.8936% | 2,058 |
| Efficiency ratio | 39.4058% | 8,030 |
| Assets per employee ($millions) | 8.4482% | 415 |
| Cash dividends to net income (ytd only)* | 87.1419% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 1,680 |
| Loan loss allowance to noncurrent loans | 757.6923% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 5,354 |
| Noncurrent loans to loans | 0.2571% | 6,874 |
| Net loans and leases to total assets | 85.3782% | 454 |
| Net loans and leases to deposits | 152.6806% | 58 |
| Net loans and leases to core deposits | 226.5878% | 75 |
| Total domestic deposits to total assets | 55.9195% | 8,008 |
| Equity capital to assets | 11.2407% | 2,726 |
| Core capital (leverage) ratio | 11.2377% | 2,238 |
| Tier 1 risk-based capital ratio | 11.6758% | 5,219 |
| Total risk-based capital ratio | 12.9299% | 5,146 |
| Memoranda: | ||
| Average total assets | $92,489,000 | 5,384 |
| Average earning assets | $89,036,000 | 5,233 |
| Average equity | $10,335,000 | 5,272 |
| Average total loans | $82,341,670 | 4,516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2794% | 40 |
| Cost of funding earning assets | 2.4524% | 2,095 |
| Net interest margin | 7.8270% | 44 |
| Noninterest income to average assets | 0.1127% | 7,469 |
| Noninterest expense to average assets | 2.9219% | 4,084 |
| Loan and lease loss provision to assets | 1.4306% | 887 |
| Net operating income to assets | 3.2731% | 54 |
| Return on assets (ROA) | 3.2731% | 63 |
| Pretax return on assets | 3.2731% | 95 |
| Return on Equity (ROE) | 29.3789% | 108 |
| Retained earnings to average equity (ytd only) | 2.7628% | 4,339 |
| Net charge-offs to loans | 0.8476% | 1,540 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 6.1648% | 2,534 |
| Efficiency ratio | 38.3172% | 8,080 |
| Assets per employee ($millions) | 8.6806% | 394 |
| Cash dividends to net income (ytd only)* | 90.5960% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 3,170 |
| Loan loss allowance to noncurrent loans | 346.9914% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 4,838 |
| Noncurrent loans to loans | 0.4221% | 6,365 |
| Net loans and leases to total assets | 85.3278% | 514 |
| Net loans and leases to deposits | 136.2970% | 106 |
| Net loans and leases to core deposits | 198.2843% | 148 |
| Total domestic deposits to total assets | 62.6043% | 7,892 |
| Equity capital to assets | 10.8025% | 3,181 |
| Core capital (leverage) ratio | 11.4061% | 2,204 |
| Tier 1 risk-based capital ratio | 11.3102% | 5,585 |
| Total risk-based capital ratio | 12.5657% | 5,494 |
| Memoranda: | ||
| Average total assets | $92,268,500 | 5,413 |
| Average earning assets | $88,565,500 | 5,268 |
| Average equity | $10,279,500 | 5,303 |
| Average total loans | $83,053,500 | 4,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8934% | 48 |
| Cost of funding earning assets | 3.6811% | 286 |
| Net interest margin | 6.2123% | 91 |
| Noninterest income to average assets | 0.0607% | 7,845 |
| Noninterest expense to average assets | 2.6369% | 5,504 |
| Loan and lease loss provision to assets | 0.9409% | 1,572 |
| Net operating income to assets | 2.5564% | 115 |
| Return on assets (ROA) | 2.5564% | 113 |
| Pretax return on assets | 2.5564% | 175 |
| Return on Equity (ROE) | 19.8017% | 395 |
| Retained earnings to average equity (ytd only) | -3.7206% | 6,265 |
| Net charge-offs to loans | 0.8116% | 1,538 |
| Credit loss provision to net charge-offs | 121.2121% | 4,425 |
| Earnings coverage of net charge-offs (x) | 4.5056% | 3,955 |
| Efficiency ratio | 42.9869% | 8,041 |
| Assets per employee ($millions) | 8.0955% | 458 |
| Cash dividends to net income (ytd only)* | 118.7893% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 4,006 |
| Loan loss allowance to noncurrent loans | 271.0256% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 4,173 |
| Noncurrent loans to loans | 0.4675% | 5,945 |
| Net loans and leases to total assets | 92.4896% | 67 |
| Net loans and leases to deposits | 118.4570% | 430 |
| Net loans and leases to core deposits | 156.9488% | 646 |
| Total domestic deposits to total assets | 78.0786% | 5,687 |
| Equity capital to assets | 11.5036% | 2,634 |
| Core capital (leverage) ratio | 11.8239% | 2,068 |
| Tier 1 risk-based capital ratio | 11.3764% | 5,355 |
| Total risk-based capital ratio | 12.5503% | 5,337 |
| Memoranda: | ||
| Average total assets | $80,778,000 | 5,672 |
| Average earning assets | $78,971,800 | 5,464 |
| Average equity | $10,428,400 | 5,287 |
| Average total loans | $77,255,000 | 4,608 |