Home > Enterprise Bank > Performance and Condition Ratios
Enterprise Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3077% | 806 |
| Cost of funding earning assets | 3.0598% | 283 |
| Net interest margin | 3.2479% | 2,892 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.8220% | 1,476 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.5184% | 3,533 |
| Return on assets (ROA) | 0.5184% | 3,546 |
| Pretax return on assets | 0.6588% | 3,478 |
| Return on Equity (ROE) | 6.4500% | 3,251 |
| Retained earnings to average equity (ytd only) | -13.7870% | 4,320 |
| Net charge-offs to loans | 0.0183% | 1,646 |
| Credit loss provision to net charge-offs | 620.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 56.8667% | 937 |
| Efficiency ratio | 79.3462% | 984 |
| Assets per employee ($millions) | 7.5051% | 1,883 |
| Cash dividends to net income (ytd only)* | 313.7874% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3833% | 4,317 |
| Loan loss allowance to noncurrent loans | 14.2809% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 5.1305% | 23 |
| Noncurrent loans to loans | 2.6841% | 275 |
| Net loans and leases to total assets | 70.4900% | 1,786 |
| Net loans and leases to deposits | 89.1855% | 1,171 |
| Net loans and leases to core deposits | 194.3763% | 50 |
| Total domestic deposits to total assets | 79.0300% | 3,697 |
| Equity capital to assets | 7.8863% | 3,658 |
| Core capital (leverage) ratio | 7.7665% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4437% | 2,629 |
| Memoranda: | ||
| Average total assets | $464,499,500 | 1,882 |
| Average earning assets | $429,444,500 | 1,887 |
| Average equity | $37,339,500 | 2,139 |
| Average total loans | $328,388,000 | 1,773 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3001% | 912 |
| Cost of funding earning assets | 2.9163% | 581 |
| Net interest margin | 3.3838% | 2,320 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 3.0452% | 1,076 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.7635% | 2,795 |
| Return on assets (ROA) | 0.7635% | 2,813 |
| Pretax return on assets | 0.9880% | 2,562 |
| Return on Equity (ROE) | 9.1200% | 2,435 |
| Retained earnings to average equity (ytd only) | 7.1996% | 1,368 |
| Net charge-offs to loans | -0.0049% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.0803% | 1,360 |
| Assets per employee ($millions) | 7.1336% | 2,083 |
| Cash dividends to net income (ytd only)* | 21.0256% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3615% | 4,342 |
| Loan loss allowance to noncurrent loans | 12.3591% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 5.3032% | 19 |
| Noncurrent loans to loans | 2.9249% | 201 |
| Net loans and leases to total assets | 70.3800% | 1,846 |
| Net loans and leases to deposits | 90.7237% | 1,158 |
| Net loans and leases to core deposits | 203.6766% | 39 |
| Total domestic deposits to total assets | 77.5800% | 3,826 |
| Equity capital to assets | 8.1916% | 3,395 |
| Core capital (leverage) ratio | 8.4387% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1165% | 2,496 |
| Memoranda: | ||
| Average total assets | $434,195,600 | 1,951 |
| Average earning assets | $407,500,600 | 1,921 |
| Average equity | $36,363,000 | 2,122 |
| Average total loans | $328,927,600 | 1,755 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1123% | 1,120 |
| Cost of funding earning assets | 2.8855% | 609 |
| Net interest margin | 3.2268% | 2,626 |
| Noninterest income to average assets | 0.8800% | 763 |
| Noninterest expense to average assets | 3.0638% | 1,020 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 0.6910% | 3,005 |
| Return on assets (ROA) | 0.6910% | 3,029 |
| Pretax return on assets | 0.9009% | 2,798 |
| Return on Equity (ROE) | 8.2000% | 2,710 |
| Retained earnings to average equity (ytd only) | 6.2738% | 1,997 |
| Net charge-offs to loans | -0.0053% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 78.1576% | 1,212 |
| Assets per employee ($millions) | 7.0664% | 2,100 |
| Cash dividends to net income (ytd only)* | 23.5081% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3565% | 4,380 |
| Loan loss allowance to noncurrent loans | 7.6983% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 4.3667% | 35 |
| Noncurrent loans to loans | 4.6304% | 84 |
| Net loans and leases to total assets | 74.2200% | 1,334 |
| Net loans and leases to deposits | 96.5866% | 680 |
| Net loans and leases to core deposits | 198.6807% | 45 |
| Total domestic deposits to total assets | 76.8400% | 3,859 |
| Equity capital to assets | 8.3121% | 3,518 |
| Core capital (leverage) ratio | 8.4974% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9907% | 2,553 |
| Memoranda: | ||
| Average total assets | $426,823,250 | 1,964 |
| Average earning assets | $401,998,500 | 1,939 |
| Average equity | $35,958,000 | 2,131 |
| Average total loans | $329,275,250 | 1,750 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0386% | 1,113 |
| Cost of funding earning assets | 2.8234% | 630 |
| Net interest margin | 3.2152% | 2,606 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.8562% | 1,349 |
| Loan and lease loss provision to assets | 0.2000% | 545 |
| Net operating income to assets | 0.4003% | 3,660 |
| Return on assets (ROA) | 0.4003% | 3,698 |
| Pretax return on assets | 0.5168% | 3,596 |
| Return on Equity (ROE) | 4.7300% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.1511% | 3,301 |
| Net charge-offs to loans | -0.0055% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.0213% | 1,122 |
| Assets per employee ($millions) | 6.6776% | 2,277 |
| Cash dividends to net income (ytd only)* | 54.5131% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5251% | 4,312 |
| Loan loss allowance to noncurrent loans | 10.7134% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 5.1211% | 27 |
| Noncurrent loans to loans | 4.9011% | 59 |
| Net loans and leases to total assets | 77.5000% | 963 |
| Net loans and leases to deposits | 99.9871% | 552 |
| Net loans and leases to core deposits | 197.8188% | 43 |
| Total domestic deposits to total assets | 77.5100% | 3,757 |
| Equity capital to assets | 8.4848% | 3,111 |
| Core capital (leverage) ratio | 8.4742% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8068% | 2,620 |
| Memoranda: | ||
| Average total assets | $420,702,667 | 1,979 |
| Average earning assets | $395,556,333 | 1,958 |
| Average equity | $35,609,333 | 2,117 |
| Average total loans | $328,502,333 | 1,752 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1470% | 893 |
| Cost of funding earning assets | 2.7821% | 625 |
| Net interest margin | 3.3649% | 2,198 |
| Noninterest income to average assets | 0.6500% | 1,194 |
| Noninterest expense to average assets | 2.8447% | 1,354 |
| Loan and lease loss provision to assets | 0.2700% | 350 |
| Net operating income to assets | 0.5476% | 3,280 |
| Return on assets (ROA) | 0.5476% | 3,310 |
| Pretax return on assets | 0.7036% | 3,147 |
| Return on Equity (ROE) | 6.4800% | 3,084 |
| Retained earnings to average equity (ytd only) | 5.7245% | 2,184 |
| Net charge-offs to loans | -0.0049% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.5763% | 1,682 |
| Assets per employee ($millions) | 6.9833% | 2,097 |
| Cash dividends to net income (ytd only)* | 11.6319% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4792% | 4,330 |
| Loan loss allowance to noncurrent loans | 16.3962% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.6375% | 56 |
| Noncurrent loans to loans | 2.9225% | 174 |
| Net loans and leases to total assets | 78.6200% | 772 |
| Net loans and leases to deposits | 101.5413% | 418 |
| Net loans and leases to core deposits | 185.2747% | 96 |
| Total domestic deposits to total assets | 77.4200% | 3,856 |
| Equity capital to assets | 8.5493% | 2,988 |
| Core capital (leverage) ratio | 8.3763% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8298% | 2,631 |
| Memoranda: | ||
| Average total assets | $420,708,500 | 1,987 |
| Average earning assets | $395,378,000 | 1,961 |
| Average equity | $35,566,500 | 2,112 |
| Average total loans | $328,870,500 | 1,741 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 873 |
| Cost of funding earning assets | 2.2255% | 615 |
| Net interest margin | 3.5360% | 2,106 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.8920% | 1,292 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.7514% | 3,039 |
| Return on assets (ROA) | 0.7514% | 3,020 |
| Pretax return on assets | 0.9637% | 2,770 |
| Return on Equity (ROE) | 8.7500% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.2614% | 3,203 |
| Net charge-offs to loans | 0.0489% | 1,386 |
| Credit loss provision to net charge-offs | -91.4474% | 4,473 |
| Earnings coverage of net charge-offs (x) | 24.5132% | 1,758 |
| Efficiency ratio | 75.6773% | 1,278 |
| Assets per employee ($millions) | 6.7051% | 2,271 |
| Cash dividends to net income (ytd only)* | 62.7158% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3893% | 4,390 |
| Loan loss allowance to noncurrent loans | 14.8148% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.3448% | 54 |
| Noncurrent loans to loans | 2.6276% | 177 |
| Net loans and leases to total assets | 77.0500% | 971 |
| Net loans and leases to deposits | 101.7856% | 445 |
| Net loans and leases to core deposits | 174.9759% | 113 |
| Total domestic deposits to total assets | 75.7000% | 3,971 |
| Equity capital to assets | 8.3594% | 3,153 |
| Core capital (leverage) ratio | 8.4424% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6127% | 2,685 |
| Memoranda: | ||
| Average total assets | $400,867,400 | 2,009 |
| Average earning assets | $377,403,200 | 1,985 |
| Average equity | $34,432,600 | 2,078 |
| Average total loans | $311,048,800 | 1,751 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 806 |
| Cost of funding earning assets | 2.1061% | 586 |
| Net interest margin | 3.5803% | 2,053 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.8930% | 1,241 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.7734% | 3,100 |
| Return on assets (ROA) | 0.7734% | 3,094 |
| Pretax return on assets | 0.9915% | 2,878 |
| Return on Equity (ROE) | 8.9400% | 2,947 |
| Retained earnings to average equity (ytd only) | 1.8121% | 3,769 |
| Net charge-offs to loans | 0.0669% | 1,004 |
| Credit loss provision to net charge-offs | -148.0519% | 4,539 |
| Earnings coverage of net charge-offs (x) | 17.6818% | 1,894 |
| Efficiency ratio | 75.9112% | 1,178 |
| Assets per employee ($millions) | 6.5474% | 2,294 |
| Cash dividends to net income (ytd only)* | 79.7297% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3709% | 4,421 |
| Loan loss allowance to noncurrent loans | 13.6642% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 3.4716% | 53 |
| Noncurrent loans to loans | 2.7146% | 172 |
| Net loans and leases to total assets | 76.9000% | 1,006 |
| Net loans and leases to deposits | 104.4313% | 340 |
| Net loans and leases to core deposits | 169.5968% | 72 |
| Total domestic deposits to total assets | 73.6400% | 4,182 |
| Equity capital to assets | 8.4013% | 2,791 |
| Core capital (leverage) ratio | 8.4165% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6120% | 2,707 |
| Memoranda: | ||
| Average total assets | $395,478,750 | 2,022 |
| Average earning assets | $372,434,750 | 1,996 |
| Average equity | $34,212,750 | 2,072 |
| Average total loans | $307,121,750 | 1,766 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 906 |
| Cost of funding earning assets | 1.9463% | 557 |
| Net interest margin | 3.4982% | 2,273 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.8311% | 1,355 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6798% | 3,387 |
| Return on assets (ROA) | 0.6798% | 3,389 |
| Pretax return on assets | 0.8708% | 3,234 |
| Return on Equity (ROE) | 7.8900% | 3,265 |
| Retained earnings to average equity (ytd only) | -2.6384% | 4,327 |
| Net charge-offs to loans | -0.0066% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.8676% | 1,269 |
| Assets per employee ($millions) | 6.4523% | 2,329 |
| Cash dividends to net income (ytd only)* | 133.4592% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 4,252 |
| Loan loss allowance to noncurrent loans | 16.9788% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 3.4369% | 50 |
| Noncurrent loans to loans | 3.7896% | 96 |
| Net loans and leases to total assets | 77.1500% | 921 |
| Net loans and leases to deposits | 102.2790% | 421 |
| Net loans and leases to core deposits | 170.7203% | 77 |
| Total domestic deposits to total assets | 75.4300% | 4,090 |
| Equity capital to assets | 8.1846% | 3,095 |
| Core capital (leverage) ratio | 8.4330% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5862% | 2,741 |
| Memoranda: | ||
| Average total assets | $389,535,000 | 2,043 |
| Average earning assets | $367,565,000 | 2,019 |
| Average equity | $33,581,000 | 2,118 |
| Average total loans | $303,366,333 | 1,766 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 899 |
| Cost of funding earning assets | 1.7537% | 493 |
| Net interest margin | 3.4908% | 2,390 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.9540% | 1,142 |
| Loan and lease loss provision to assets | -0.1600% | 4,612 |
| Net operating income to assets | 0.7716% | 3,293 |
| Return on assets (ROA) | 0.7716% | 3,245 |
| Pretax return on assets | 0.9868% | 3,032 |
| Return on Equity (ROE) | 8.7100% | 3,132 |
| Retained earnings to average equity (ytd only) | 3.6507% | 3,360 |
| Net charge-offs to loans | -0.0094% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.0366% | 1,001 |
| Assets per employee ($millions) | 6.1484% | 2,633 |
| Cash dividends to net income (ytd only)* | 58.0952% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5951% | 4,368 |
| Loan loss allowance to noncurrent loans | 19.8545% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 57 |
| Noncurrent loans to loans | 2.9973% | 147 |
| Net loans and leases to total assets | 78.8700% | 664 |
| Net loans and leases to deposits | 102.9766% | 331 |
| Net loans and leases to core deposits | 164.9916% | 75 |
| Total domestic deposits to total assets | 76.5900% | 4,113 |
| Equity capital to assets | 8.7521% | 2,693 |
| Core capital (leverage) ratio | 8.9976% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2680% | 2,644 |
| Memoranda: | ||
| Average total assets | $381,048,000 | 2,098 |
| Average earning assets | $359,231,000 | 2,074 |
| Average equity | $33,747,000 | 2,135 |
| Average total loans | $297,224,000 | 1,801 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 672 |
| Cost of funding earning assets | 1.1735% | 78 |
| Net interest margin | 3.3700% | 2,346 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.0276% | 931 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6684% | 3,708 |
| Return on assets (ROA) | 0.6684% | 3,659 |
| Pretax return on assets | 0.8632% | 3,449 |
| Return on Equity (ROE) | 7.5600% | 3,504 |
| Retained earnings to average equity (ytd only) | 1.7705% | 4,025 |
| Net charge-offs to loans | 0.0399% | 1,303 |
| Credit loss provision to net charge-offs | 64.6018% | 1,750 |
| Earnings coverage of net charge-offs (x) | 29.4248% | 1,697 |
| Efficiency ratio | 77.6681% | 871 |
| Assets per employee ($millions) | 5.7654% | 2,978 |
| Cash dividends to net income (ytd only)* | 76.5766% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 4,219 |
| Loan loss allowance to noncurrent loans | 22.0948% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 2.9425% | 47 |
| Noncurrent loans to loans | 3.1291% | 133 |
| Net loans and leases to total assets | 76.0800% | 1,001 |
| Net loans and leases to deposits | 100.3329% | 428 |
| Net loans and leases to core deposits | 150.8337% | 91 |
| Total domestic deposits to total assets | 75.8300% | 4,266 |
| Equity capital to assets | 8.9642% | 2,377 |
| Core capital (leverage) ratio | 8.7102% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0151% | 2,369 |
| Memoranda: | ||
| Average total assets | $381,952,400 | 2,098 |
| Average earning assets | $359,109,200 | 2,071 |
| Average equity | $33,775,800 | 2,166 |
| Average total loans | $283,222,200 | 1,796 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 675 |
| Cost of funding earning assets | 1.0164% | 60 |
| Net interest margin | 3.3196% | 2,239 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.9869% | 919 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.7129% | 3,530 |
| Return on assets (ROA) | 0.7129% | 3,481 |
| Pretax return on assets | 0.9207% | 3,256 |
| Return on Equity (ROE) | 8.0900% | 3,300 |
| Retained earnings to average equity (ytd only) | 0.7293% | 4,255 |
| Net charge-offs to loans | 0.0572% | 909 |
| Credit loss provision to net charge-offs | -29.7521% | 4,623 |
| Earnings coverage of net charge-offs (x) | 21.6033% | 1,685 |
| Efficiency ratio | 76.6836% | 1,022 |
| Assets per employee ($millions) | 6.4062% | 2,404 |
| Cash dividends to net income (ytd only)* | 90.9844% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2295% | 4,613 |
| Loan loss allowance to noncurrent loans | 7.1823% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.6549% | 71 |
| Noncurrent loans to loans | 3.1957% | 142 |
| Net loans and leases to total assets | 67.9600% | 1,680 |
| Net loans and leases to deposits | 87.1097% | 1,094 |
| Net loans and leases to core deposits | 119.7838% | 262 |
| Total domestic deposits to total assets | 78.0200% | 4,256 |
| Equity capital to assets | 8.2445% | 2,720 |
| Core capital (leverage) ratio | 8.7395% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6337% | 2,611 |
| Memoranda: | ||
| Average total assets | $383,753,500 | 2,107 |
| Average earning assets | $360,599,500 | 2,079 |
| Average equity | $33,821,500 | 2,196 |
| Average total loans | $282,250,500 | 1,797 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 528 |
| Cost of funding earning assets | 0.8959% | 64 |
| Net interest margin | 3.4005% | 1,607 |
| Noninterest income to average assets | 0.8067% | 1,026 |
| Noninterest expense to average assets | 2.9898% | 856 |
| Loan and lease loss provision to assets | -0.0365% | 4,484 |
| Net operating income to assets | 0.8072% | 2,928 |
| Return on assets (ROA) | 0.8072% | 2,898 |
| Pretax return on assets | 1.0416% | 2,599 |
| Return on Equity (ROE) | 8.9445% | 2,718 |
| Retained earnings to average equity (ytd only) | -1.6344% | 4,357 |
| Net charge-offs to loans | 0.0035% | 1,919 |
| Credit loss provision to net charge-offs | -1,360.0000% | 3,617 |
| Earnings coverage of net charge-offs (x) | 374.8000% | 336 |
| Efficiency ratio | 74.8389% | 1,410 |
| Assets per employee ($millions) | 5.5342% | 3,190 |
| Cash dividends to net income (ytd only)* | 118.2724% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 4,677 |
| Loan loss allowance to noncurrent loans | 8.0196% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1586% | 51 |
| Noncurrent loans to loans | 3.2481% | 149 |
| Net loans and leases to total assets | 77.0501% | 633 |
| Net loans and leases to deposits | 105.2708% | 144 |
| Net loans and leases to core deposits | 153.0326% | 46 |
| Total domestic deposits to total assets | 73.1922% | 4,556 |
| Equity capital to assets | 9.2729% | 2,188 |
| Core capital (leverage) ratio | 9.1437% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4927% | 2,678 |
| Memoranda: | ||
| Average total assets | $372,871,000 | 2,148 |
| Average earning assets | $349,598,667 | 2,142 |
| Average equity | $33,652,000 | 2,248 |
| Average total loans | $281,789,667 | 1,797 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 620 |
| Cost of funding earning assets | 0.8338% | 71 |
| Net interest margin | 3.2799% | 1,620 |
| Noninterest income to average assets | 0.8506% | 928 |
| Noninterest expense to average assets | 2.9447% | 892 |
| Loan and lease loss provision to assets | -0.0499% | 4,513 |
| Net operating income to assets | 0.7943% | 2,679 |
| Return on assets (ROA) | 0.7943% | 2,673 |
| Pretax return on assets | 1.0343% | 2,342 |
| Return on Equity (ROE) | 8.9199% | 2,346 |
| Retained earnings to average equity (ytd only) | -11.2572% | 4,586 |
| Net charge-offs to loans | -0.0014% | 3,056 |
| Credit loss provision to net charge-offs | 4,700.0000% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9459% | 1,640 |
| Assets per employee ($millions) | 5.7492% | 3,058 |
| Cash dividends to net income (ytd only)* | 226.2032% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2712% | 4,701 |
| Loan loss allowance to noncurrent loans | 8.0533% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 60 |
| Noncurrent loans to loans | 3.3678% | 139 |
| Net loans and leases to total assets | 74.9790% | 581 |
| Net loans and leases to deposits | 101.7906% | 144 |
| Net loans and leases to core deposits | 152.7756% | 42 |
| Total domestic deposits to total assets | 73.6600% | 4,582 |
| Equity capital to assets | 8.8497% | 2,841 |
| Core capital (leverage) ratio | 8.8332% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4332% | 2,793 |
| Memoranda: | ||
| Average total assets | $376,678,500 | 2,146 |
| Average earning assets | $353,547,500 | 2,137 |
| Average equity | $33,543,000 | 2,305 |
| Average total loans | $281,602,000 | 1,783 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 516 |
| Cost of funding earning assets | 0.9062% | 108 |
| Net interest margin | 3.6828% | 1,257 |
| Noninterest income to average assets | 0.8288% | 1,382 |
| Noninterest expense to average assets | 3.1687% | 759 |
| Loan and lease loss provision to assets | 0.0313% | 2,428 |
| Net operating income to assets | 0.8530% | 3,178 |
| Return on assets (ROA) | 0.8530% | 3,245 |
| Pretax return on assets | 1.0978% | 2,977 |
| Return on Equity (ROE) | 10.0900% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.9351% | 1,571 |
| Net charge-offs to loans | 0.0558% | 1,239 |
| Credit loss provision to net charge-offs | 71.0059% | 2,012 |
| Earnings coverage of net charge-offs (x) | 25.6331% | 1,718 |
| Efficiency ratio | 73.7295% | 1,336 |
| Assets per employee ($millions) | 5.5832% | 3,179 |
| Cash dividends to net income (ytd only)* | 21.3566% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 4,735 |
| Loan loss allowance to noncurrent loans | 8.4237% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1081% | 67 |
| Noncurrent loans to loans | 3.3984% | 151 |
| Net loans and leases to total assets | 74.1294% | 655 |
| Net loans and leases to deposits | 100.3301% | 190 |
| Net loans and leases to core deposits | 153.3728% | 49 |
| Total domestic deposits to total assets | 73.8855% | 4,589 |
| Equity capital to assets | 8.9594% | 3,665 |
| Core capital (leverage) ratio | 8.8636% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6315% | 2,742 |
| Memoranda: | ||
| Average total assets | $383,685,000 | 2,050 |
| Average earning assets | $361,414,400 | 2,037 |
| Average equity | $32,438,000 | 2,410 |
| Average total loans | $302,783,800 | 1,697 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 539 |
| Cost of funding earning assets | 0.9256% | 121 |
| Net interest margin | 3.7062% | 1,316 |
| Noninterest income to average assets | 0.7701% | 1,616 |
| Noninterest expense to average assets | 3.1547% | 764 |
| Loan and lease loss provision to assets | 0.0871% | 1,362 |
| Net operating income to assets | 0.7902% | 3,550 |
| Return on assets (ROA) | 0.7902% | 3,619 |
| Pretax return on assets | 1.0214% | 3,391 |
| Return on Equity (ROE) | 9.4868% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.0610% | 2,395 |
| Net charge-offs to loans | 0.0779% | 889 |
| Credit loss provision to net charge-offs | 139.4444% | 1,394 |
| Earnings coverage of net charge-offs (x) | 17.7667% | 1,803 |
| Efficiency ratio | 74.0000% | 1,214 |
| Assets per employee ($millions) | 5.5334% | 3,162 |
| Cash dividends to net income (ytd only)* | 25.5702% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3224% | 4,805 |
| Loan loss allowance to noncurrent loans | 9.5248% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 67 |
| Noncurrent loans to loans | 3.3850% | 171 |
| Net loans and leases to total assets | 76.2479% | 533 |
| Net loans and leases to deposits | 103.9712% | 155 |
| Net loans and leases to core deposits | 160.5266% | 49 |
| Total domestic deposits to total assets | 73.3356% | 4,661 |
| Equity capital to assets | 8.8070% | 3,996 |
| Core capital (leverage) ratio | 8.7938% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2477% | 2,916 |
| Memoranda: | ||
| Average total assets | $384,691,500 | 2,069 |
| Average earning assets | $362,558,000 | 2,050 |
| Average equity | $32,043,750 | 2,456 |
| Average total loans | $307,918,000 | 1,696 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 638 |
| Cost of funding earning assets | 0.9427% | 147 |
| Net interest margin | 3.6483% | 1,473 |
| Noninterest income to average assets | 0.9915% | 1,086 |
| Noninterest expense to average assets | 3.1040% | 837 |
| Loan and lease loss provision to assets | 0.2240% | 470 |
| Net operating income to assets | 0.8485% | 3,371 |
| Return on assets (ROA) | 0.8485% | 3,447 |
| Pretax return on assets | 1.1050% | 3,197 |
| Return on Equity (ROE) | 10.3791% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.4245% | 2,280 |
| Net charge-offs to loans | 0.1151% | 673 |
| Credit loss provision to net charge-offs | 239.7790% | 979 |
| Earnings coverage of net charge-offs (x) | 14.2265% | 1,674 |
| Efficiency ratio | 70.0198% | 1,631 |
| Assets per employee ($millions) | 5.3289% | 3,312 |
| Cash dividends to net income (ytd only)* | 28.4672% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3504% | 4,827 |
| Loan loss allowance to noncurrent loans | 9.3458% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 3.8016% | 59 |
| Noncurrent loans to loans | 3.7495% | 157 |
| Net loans and leases to total assets | 82.2684% | 206 |
| Net loans and leases to deposits | 115.9932% | 69 |
| Net loans and leases to core deposits | 192.2702% | 40 |
| Total domestic deposits to total assets | 70.9252% | 4,736 |
| Equity capital to assets | 8.4166% | 4,268 |
| Core capital (leverage) ratio | 8.6205% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4429% | 3,045 |
| Memoranda: | ||
| Average total assets | $387,498,667 | 2,048 |
| Average earning assets | $365,540,000 | 2,035 |
| Average equity | $31,679,000 | 2,466 |
| Average total loans | $314,615,333 | 1,683 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 641 |
| Cost of funding earning assets | 0.9629% | 165 |
| Net interest margin | 3.6537% | 1,439 |
| Noninterest income to average assets | 0.9111% | 1,297 |
| Noninterest expense to average assets | 3.1504% | 777 |
| Loan and lease loss provision to assets | 0.0781% | 1,633 |
| Net operating income to assets | 0.8865% | 3,161 |
| Return on assets (ROA) | 0.8865% | 3,244 |
| Pretax return on assets | 1.1320% | 3,033 |
| Return on Equity (ROE) | 11.0034% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.5026% | 2,727 |
| Net charge-offs to loans | 0.0013% | 1,897 |
| Credit loss provision to net charge-offs | 7,600.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,178.0000% | 75 |
| Efficiency ratio | 72.2497% | 1,468 |
| Assets per employee ($millions) | 5.5236% | 3,091 |
| Cash dividends to net income (ytd only)* | 40.9038% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2935% | 4,877 |
| Loan loss allowance to noncurrent loans | 7.0297% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 4.2252% | 50 |
| Noncurrent loans to loans | 4.1751% | 127 |
| Net loans and leases to total assets | 81.8874% | 229 |
| Net loans and leases to deposits | 117.9161% | 82 |
| Net loans and leases to core deposits | 185.8655% | 45 |
| Total domestic deposits to total assets | 69.4455% | 4,780 |
| Equity capital to assets | 8.1797% | 4,375 |
| Core capital (leverage) ratio | 8.4711% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3280% | 3,036 |
| Memoranda: | ||
| Average total assets | $389,406,500 | 2,032 |
| Average earning assets | $367,622,500 | 2,011 |
| Average equity | $31,372,000 | 2,473 |
| Average total loans | $313,543,000 | 1,690 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 522 |
| Cost of funding earning assets | 1.2698% | 203 |
| Net interest margin | 3.6971% | 1,810 |
| Noninterest income to average assets | 0.9312% | 1,192 |
| Noninterest expense to average assets | 3.1611% | 1,124 |
| Loan and lease loss provision to assets | 0.1482% | 2,521 |
| Net operating income to assets | 0.8586% | 2,865 |
| Return on assets (ROA) | 0.8586% | 3,004 |
| Pretax return on assets | 1.0964% | 2,708 |
| Return on Equity (ROE) | 10.7428% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.3808% | 944 |
| Net charge-offs to loans | 0.0908% | 1,548 |
| Credit loss provision to net charge-offs | 202.5926% | 2,148 |
| Earnings coverage of net charge-offs (x) | 17.0185% | 2,101 |
| Efficiency ratio | 71.7509% | 1,709 |
| Assets per employee ($millions) | 5.6835% | 2,646 |
| Cash dividends to net income (ytd only)* | 21.9874% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2769% | 4,910 |
| Loan loss allowance to noncurrent loans | 5.8260% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 4.8164% | 45 |
| Noncurrent loans to loans | 4.7523% | 101 |
| Net loans and leases to total assets | 78.7120% | 525 |
| Net loans and leases to deposits | 119.0879% | 79 |
| Net loans and leases to core deposits | 201.3299% | 40 |
| Total domestic deposits to total assets | 66.0957% | 4,846 |
| Equity capital to assets | 7.9348% | 4,734 |
| Core capital (leverage) ratio | 8.3426% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1786% | 3,063 |
| Memoranda: | ||
| Average total assets | $369,205,400 | 1,959 |
| Average earning assets | $346,975,200 | 1,950 |
| Average equity | $29,508,000 | 2,501 |
| Average total loans | $297,503,000 | 1,692 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 605 |
| Cost of funding earning assets | 1.3298% | 217 |
| Net interest margin | 3.6706% | 2,034 |
| Noninterest income to average assets | 0.7986% | 1,500 |
| Noninterest expense to average assets | 3.0491% | 1,340 |
| Loan and lease loss provision to assets | 0.2971% | 1,359 |
| Net operating income to assets | 0.7014% | 3,455 |
| Return on assets (ROA) | 0.7014% | 3,556 |
| Pretax return on assets | 0.8980% | 3,388 |
| Return on Equity (ROE) | 8.7586% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.0834% | 2,071 |
| Net charge-offs to loans | 0.1028% | 1,284 |
| Credit loss provision to net charge-offs | 356.8282% | 1,589 |
| Earnings coverage of net charge-offs (x) | 14.3524% | 2,159 |
| Efficiency ratio | 71.8410% | 1,664 |
| Assets per employee ($millions) | 6.2937% | 2,007 |
| Cash dividends to net income (ytd only)* | 30.5439% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3521% | 4,910 |
| Loan loss allowance to noncurrent loans | 9.9461% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 3.7334% | 91 |
| Noncurrent loans to loans | 3.5401% | 224 |
| Net loans and leases to total assets | 78.0543% | 826 |
| Net loans and leases to deposits | 128.4247% | 64 |
| Net loans and leases to core deposits | 227.9342% | 29 |
| Total domestic deposits to total assets | 60.7783% | 4,919 |
| Equity capital to assets | 7.1078% | 4,934 |
| Core capital (leverage) ratio | 8.2600% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0983% | 3,084 |
| Memoranda: | ||
| Average total assets | $363,466,750 | 1,966 |
| Average earning assets | $341,191,750 | 1,954 |
| Average equity | $29,105,750 | 2,523 |
| Average total loans | $294,495,250 | 1,701 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 722 |
| Cost of funding earning assets | 1.4592% | 181 |
| Net interest margin | 3.6148% | 2,434 |
| Noninterest income to average assets | 0.5964% | 2,144 |
| Noninterest expense to average assets | 3.0866% | 1,381 |
| Loan and lease loss provision to assets | 0.1401% | 2,613 |
| Net operating income to assets | 0.5883% | 3,778 |
| Return on assets (ROA) | 0.5883% | 3,862 |
| Pretax return on assets | 0.7522% | 3,734 |
| Return on Equity (ROE) | 7.0236% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,032 |
| Net charge-offs to loans | 0.1508% | 964 |
| Credit loss provision to net charge-offs | 113.1455% | 2,320 |
| Earnings coverage of net charge-offs (x) | 7.2066% | 2,384 |
| Efficiency ratio | 77.5749% | 1,092 |
| Assets per employee ($millions) | 6.2061% | 2,019 |
| Cash dividends to net income (ytd only)* | 46.3439% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1875% | 4,996 |
| Loan loss allowance to noncurrent loans | 3.5471% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 5.2983% | 49 |
| Noncurrent loans to loans | 5.2861% | 95 |
| Net loans and leases to total assets | 79.0176% | 720 |
| Net loans and leases to deposits | 132.3806% | 49 |
| Net loans and leases to core deposits | 236.3488% | 26 |
| Total domestic deposits to total assets | 59.6897% | 4,960 |
| Equity capital to assets | 7.1257% | 4,952 |
| Core capital (leverage) ratio | 8.4979% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8756% | 3,174 |
| Memoranda: | ||
| Average total assets | $344,063,333 | 2,029 |
| Average earning assets | $321,956,667 | 2,011 |
| Average equity | $28,817,000 | 2,530 |
| Average total loans | $282,560,333 | 1,737 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 626 |
| Cost of funding earning assets | 1.7013% | 129 |
| Net interest margin | 3.5297% | 2,882 |
| Noninterest income to average assets | 0.7658% | 1,409 |
| Noninterest expense to average assets | 3.3640% | 1,121 |
| Loan and lease loss provision to assets | 0.1362% | 2,019 |
| Net operating income to assets | 0.4240% | 4,080 |
| Return on assets (ROA) | 0.4240% | 4,119 |
| Pretax return on assets | 0.5474% | 4,041 |
| Return on Equity (ROE) | 4.6102% | 3,779 |
| Retained earnings to average equity (ytd only) | -0.3353% | 4,044 |
| Net charge-offs to loans | 0.0749% | 1,274 |
| Credit loss provision to net charge-offs | 216.3265% | 1,374 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,747 |
| Efficiency ratio | 83.1111% | 896 |
| Assets per employee ($millions) | 5.0873% | 2,552 |
| Cash dividends to net income (ytd only)* | 107.2727% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2418% | 5,021 |
| Loan loss allowance to noncurrent loans | 4.1656% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 6.2660% | 44 |
| Noncurrent loans to loans | 5.8055% | 86 |
| Net loans and leases to total assets | 83.3087% | 320 |
| Net loans and leases to deposits | 126.8014% | 50 |
| Net loans and leases to core deposits | 254.1522% | 24 |
| Total domestic deposits to total assets | 65.7001% | 4,966 |
| Equity capital to assets | 9.0738% | 4,558 |
| Core capital (leverage) ratio | 9.1754% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0337% | 3,325 |
| Memoranda: | ||
| Average total assets | $311,295,000 | 2,147 |
| Average earning assets | $289,432,500 | 2,141 |
| Average equity | $28,632,000 | 2,536 |
| Average total loans | $261,708,500 | 1,800 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 918 |
| Cost of funding earning assets | 1.9092% | 88 |
| Net interest margin | 3.3274% | 3,924 |
| Noninterest income to average assets | 0.9889% | 991 |
| Noninterest expense to average assets | 3.4757% | 1,000 |
| Loan and lease loss provision to assets | -0.0768% | 5,046 |
| Net operating income to assets | 0.5107% | 4,386 |
| Return on assets (ROA) | 0.5107% | 4,438 |
| Pretax return on assets | 0.6695% | 4,279 |
| Return on Equity (ROE) | 5.4680% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.0405% | 3,506 |
| Net charge-offs to loans | -0.0052% | 4,354 |
| Credit loss provision to net charge-offs | 1,784.6154% | 210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4307% | 572 |
| Assets per employee ($millions) | 4.8758% | 2,742 |
| Cash dividends to net income (ytd only)* | 44.3940% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2231% | 5,080 |
| Loan loss allowance to noncurrent loans | 4.2488% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 6.2951% | 33 |
| Noncurrent loans to loans | 5.2501% | 92 |
| Net loans and leases to total assets | 84.4574% | 283 |
| Net loans and leases to deposits | 129.5243% | 45 |
| Net loans and leases to core deposits | 265.6346% | 23 |
| Total domestic deposits to total assets | 65.2058% | 5,034 |
| Equity capital to assets | 9.3250% | 4,476 |
| Core capital (leverage) ratio | 9.2941% | 4,289 |
| Tier 1 risk-based capital ratio | 10.8827% | 4,899 |
| Total risk-based capital ratio | 11.1033% | 5,105 |
| Memoranda: | ||
| Average total assets | $302,158,000 | 2,154 |
| Average earning assets | $279,643,800 | 2,148 |
| Average equity | $28,218,600 | 2,484 |
| Average total loans | $251,987,600 | 1,815 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 934 |
| Cost of funding earning assets | 1.9409% | 79 |
| Net interest margin | 3.3189% | 4,061 |
| Noninterest income to average assets | 0.9611% | 1,024 |
| Noninterest expense to average assets | 3.4030% | 1,085 |
| Loan and lease loss provision to assets | -0.1258% | 5,180 |
| Net operating income to assets | 0.5747% | 4,367 |
| Return on assets (ROA) | 0.5747% | 4,410 |
| Pretax return on assets | 0.7533% | 4,235 |
| Return on Equity (ROE) | 6.1514% | 3,995 |
| Retained earnings to average equity (ytd only) | 3.3721% | 3,715 |
| Net charge-offs to loans | -0.0075% | 4,306 |
| Credit loss provision to net charge-offs | 2,028.5714% | 201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4327% | 587 |
| Assets per employee ($millions) | 5.0953% | 2,454 |
| Cash dividends to net income (ytd only)* | 45.1810% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2050% | 5,159 |
| Loan loss allowance to noncurrent loans | 3.9313% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 6.0824% | 49 |
| Noncurrent loans to loans | 5.2153% | 99 |
| Net loans and leases to total assets | 82.8403% | 479 |
| Net loans and leases to deposits | 126.0396% | 61 |
| Net loans and leases to core deposits | 238.3809% | 33 |
| Total domestic deposits to total assets | 65.7256% | 5,104 |
| Equity capital to assets | 9.1685% | 4,686 |
| Core capital (leverage) ratio | 9.2508% | 4,425 |
| Tier 1 risk-based capital ratio | 11.8594% | 4,484 |
| Total risk-based capital ratio | 12.0798% | 4,882 |
| Memoranda: | ||
| Average total assets | $300,903,750 | 2,179 |
| Average earning assets | $278,281,750 | 2,173 |
| Average equity | $28,112,250 | 2,508 |
| Average total loans | $249,981,500 | 1,838 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 852 |
| Cost of funding earning assets | 1.9401% | 73 |
| Net interest margin | 3.3359% | 4,063 |
| Noninterest income to average assets | 0.9476% | 974 |
| Noninterest expense to average assets | 3.2305% | 1,443 |
| Loan and lease loss provision to assets | -0.0376% | 5,160 |
| Net operating income to assets | 0.6391% | 4,196 |
| Return on assets (ROA) | 0.6391% | 4,244 |
| Pretax return on assets | 0.8353% | 4,007 |
| Return on Equity (ROE) | 6.7967% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.4377% | 3,522 |
| Net charge-offs to loans | -0.0121% | 4,379 |
| Credit loss provision to net charge-offs | 373.3333% | 765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1969% | 951 |
| Assets per employee ($millions) | 4.8423% | 2,678 |
| Cash dividends to net income (ytd only)* | 49.4217% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3032% | 5,171 |
| Loan loss allowance to noncurrent loans | 6.9708% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 5.4558% | 62 |
| Noncurrent loans to loans | 4.3502% | 148 |
| Net loans and leases to total assets | 81.6887% | 652 |
| Net loans and leases to deposits | 121.0802% | 78 |
| Net loans and leases to core deposits | 238.2216% | 35 |
| Total domestic deposits to total assets | 67.4666% | 5,123 |
| Equity capital to assets | 9.2658% | 4,600 |
| Core capital (leverage) ratio | 9.3143% | 4,348 |
| Tier 1 risk-based capital ratio | 12.3479% | 4,217 |
| Total risk-based capital ratio | 12.6793% | 4,614 |
| Memoranda: | ||
| Average total assets | $297,600,000 | 2,197 |
| Average earning assets | $274,832,000 | 2,190 |
| Average equity | $27,984,000 | 2,512 |
| Average total loans | $247,305,670 | 1,858 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 851 |
| Cost of funding earning assets | 1.8752% | 78 |
| Net interest margin | 3.3579% | 4,014 |
| Noninterest income to average assets | 0.6289% | 1,919 |
| Noninterest expense to average assets | 3.0231% | 1,925 |
| Loan and lease loss provision to assets | -0.1334% | 5,301 |
| Net operating income to assets | 0.6357% | 4,136 |
| Return on assets (ROA) | 0.6357% | 4,175 |
| Pretax return on assets | 0.8371% | 3,953 |
| Return on Equity (ROE) | 6.7092% | 3,770 |
| Retained earnings to average equity (ytd only) | 1.6234% | 4,162 |
| Net charge-offs to loans | 0.0358% | 1,755 |
| Credit loss provision to net charge-offs | -445.4545% | 3,781 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,469 |
| Efficiency ratio | 81.1176% | 958 |
| Assets per employee ($millions) | 5.1214% | 2,375 |
| Cash dividends to net income (ytd only)* | 75.8030% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2749% | 5,257 |
| Loan loss allowance to noncurrent loans | 7.3804% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 5.0104% | 68 |
| Noncurrent loans to loans | 3.7252% | 230 |
| Net loans and leases to total assets | 82.9131% | 480 |
| Net loans and leases to deposits | 124.4561% | 62 |
| Net loans and leases to core deposits | 248.1686% | 35 |
| Total domestic deposits to total assets | 66.6203% | 5,204 |
| Equity capital to assets | 9.3923% | 4,350 |
| Core capital (leverage) ratio | 9.5418% | 4,084 |
| Tier 1 risk-based capital ratio | 11.7693% | 4,580 |
| Total risk-based capital ratio | 12.0558% | 4,966 |
| Memoranda: | ||
| Average total assets | $293,866,000 | 2,231 |
| Average earning assets | $271,120,500 | 2,231 |
| Average equity | $27,842,500 | 2,530 |
| Average total loans | $245,976,500 | 1,885 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 716 |
| Cost of funding earning assets | 1.5678% | 66 |
| Net interest margin | 3.6197% | 3,309 |
| Noninterest income to average assets | 0.7294% | 1,735 |
| Noninterest expense to average assets | 3.3303% | 1,259 |
| Loan and lease loss provision to assets | -0.1418% | 5,297 |
| Net operating income to assets | 0.6973% | 4,144 |
| Return on assets (ROA) | 0.6973% | 4,148 |
| Pretax return on assets | 0.8772% | 3,960 |
| Return on Equity (ROE) | 7.5479% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.7030% | 2,359 |
| Net charge-offs to loans | 0.0331% | 2,745 |
| Credit loss provision to net charge-offs | -507.5949% | 4,638 |
| Earnings coverage of net charge-offs (x) | 26.3291% | 1,730 |
| Efficiency ratio | 81.9115% | 814 |
| Assets per employee ($millions) | 5.2853% | 2,166 |
| Cash dividends to net income (ytd only)* | 24.4422% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3261% | 5,268 |
| Loan loss allowance to noncurrent loans | 8.1814% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 5.2079% | 68 |
| Noncurrent loans to loans | 3.9863% | 186 |
| Net loans and leases to total assets | 84.0030% | 416 |
| Net loans and leases to deposits | 120.7218% | 93 |
| Net loans and leases to core deposits | 234.0823% | 33 |
| Total domestic deposits to total assets | 69.5840% | 5,170 |
| Equity capital to assets | 9.5586% | 4,078 |
| Core capital (leverage) ratio | 9.5586% | 4,047 |
| Tier 1 risk-based capital ratio | 11.7467% | 4,594 |
| Total risk-based capital ratio | 12.0845% | 4,939 |
| Memoranda: | ||
| Average total assets | $282,824,800 | 2,251 |
| Average earning assets | $260,682,800 | 2,264 |
| Average equity | $26,126,600 | 2,561 |
| Average total loans | $238,838,000 | 1,888 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 691 |
| Cost of funding earning assets | 1.4946% | 69 |
| Net interest margin | 3.6535% | 3,191 |
| Noninterest income to average assets | 0.6760% | 1,954 |
| Noninterest expense to average assets | 3.3340% | 1,230 |
| Loan and lease loss provision to assets | -0.1946% | 5,395 |
| Net operating income to assets | 0.7292% | 4,140 |
| Return on assets (ROA) | 0.7292% | 4,147 |
| Pretax return on assets | 0.9020% | 4,015 |
| Return on Equity (ROE) | 7.9650% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.0671% | 2,623 |
| Net charge-offs to loans | 0.0449% | 2,200 |
| Credit loss provision to net charge-offs | -512.5000% | 4,506 |
| Earnings coverage of net charge-offs (x) | 18.6257% | 2,041 |
| Efficiency ratio | 82.4974% | 743 |
| Assets per employee ($millions) | 5.1844% | 2,237 |
| Cash dividends to net income (ytd only)* | 23.8282% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3252% | 5,341 |
| Loan loss allowance to noncurrent loans | 7.8468% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 5.5152% | 69 |
| Noncurrent loans to loans | 4.1439% | 193 |
| Net loans and leases to total assets | 84.8194% | 374 |
| Net loans and leases to deposits | 117.5771% | 133 |
| Net loans and leases to core deposits | 245.3537% | 30 |
| Total domestic deposits to total assets | 72.1394% | 5,119 |
| Equity capital to assets | 9.6324% | 3,969 |
| Core capital (leverage) ratio | 9.5764% | 4,086 |
| Tier 1 risk-based capital ratio | 11.8257% | 4,588 |
| Total risk-based capital ratio | 12.1655% | 4,975 |
| Memoranda: | ||
| Average total assets | $280,858,000 | 2,275 |
| Average earning assets | $258,707,500 | 2,287 |
| Average equity | $25,711,750 | 2,599 |
| Average total loans | $237,300,250 | 1,908 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 834 |
| Cost of funding earning assets | 1.4176% | 69 |
| Net interest margin | 3.5785% | 3,392 |
| Noninterest income to average assets | 0.5647% | 2,500 |
| Noninterest expense to average assets | 3.3618% | 1,197 |
| Loan and lease loss provision to assets | -0.1746% | 5,463 |
| Net operating income to assets | 0.5712% | 4,588 |
| Return on assets (ROA) | 0.5712% | 4,584 |
| Pretax return on assets | 0.6749% | 4,569 |
| Return on Equity (ROE) | 6.3517% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.0355% | 3,598 |
| Net charge-offs to loans | 0.1350% | 1,113 |
| Credit loss provision to net charge-offs | -153.4591% | 4,143 |
| Earnings coverage of net charge-offs (x) | 4.3962% | 2,794 |
| Efficiency ratio | 87.0460% | 518 |
| Assets per employee ($millions) | 5.0249% | 2,386 |
| Cash dividends to net income (ytd only)* | 36.4662% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3596% | 5,388 |
| Loan loss allowance to noncurrent loans | 8.9708% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 5.8155% | 66 |
| Noncurrent loans to loans | 4.0089% | 217 |
| Net loans and leases to total assets | 84.7376% | 378 |
| Net loans and leases to deposits | 116.4230% | 153 |
| Net loans and leases to core deposits | 237.1946% | 31 |
| Total domestic deposits to total assets | 72.7842% | 5,132 |
| Equity capital to assets | 9.3579% | 4,231 |
| Core capital (leverage) ratio | 9.5174% | 4,099 |
| Tier 1 risk-based capital ratio | 11.4001% | 4,837 |
| Total risk-based capital ratio | 11.7726% | 5,160 |
| Memoranda: | ||
| Average total assets | $279,430,330 | 2,292 |
| Average earning assets | $257,479,330 | 2,301 |
| Average equity | $25,127,000 | 2,658 |
| Average total loans | $235,519,000 | 1,916 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 859 |
| Cost of funding earning assets | 1.3350% | 72 |
| Net interest margin | 3.5715% | 3,277 |
| Noninterest income to average assets | 0.4494% | 3,114 |
| Noninterest expense to average assets | 3.4646% | 1,057 |
| Loan and lease loss provision to assets | -0.2812% | 5,566 |
| Net operating income to assets | 0.4711% | 4,761 |
| Return on assets (ROA) | 0.4711% | 4,763 |
| Pretax return on assets | 0.5625% | 4,762 |
| Return on Equity (ROE) | 5.3522% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.0302% | 3,990 |
| Net charge-offs to loans | 0.2765% | 558 |
| Credit loss provision to net charge-offs | -121.2500% | 3,720 |
| Earnings coverage of net charge-offs (x) | 1.2125% | 2,578 |
| Efficiency ratio | 92.4923% | 351 |
| Assets per employee ($millions) | 5.0129% | 2,482 |
| Cash dividends to net income (ytd only)* | 43.3846% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3984% | 5,429 |
| Loan loss allowance to noncurrent loans | 10.1693% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 5.8315% | 74 |
| Noncurrent loans to loans | 3.9172% | 258 |
| Net loans and leases to total assets | 83.8849% | 448 |
| Net loans and leases to deposits | 115.4335% | 164 |
| Net loans and leases to core deposits | 238.0761% | 34 |
| Total domestic deposits to total assets | 72.6695% | 5,240 |
| Equity capital to assets | 8.8430% | 4,710 |
| Core capital (leverage) ratio | 8.8945% | 4,806 |
| Tier 1 risk-based capital ratio | 10.8672% | 5,210 |
| Total risk-based capital ratio | 11.2795% | 5,433 |
| Memoranda: | ||
| Average total assets | $275,934,500 | 2,333 |
| Average earning assets | $254,681,500 | 2,337 |
| Average equity | $24,289,000 | 2,748 |
| Average total loans | $231,487,000 | 1,953 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 607 |
| Cost of funding earning assets | 1.1323% | 109 |
| Net interest margin | 3.9031% | 2,080 |
| Noninterest income to average assets | 0.7615% | 1,726 |
| Noninterest expense to average assets | 3.5305% | 986 |
| Loan and lease loss provision to assets | 0.0322% | 3,626 |
| Net operating income to assets | 0.4778% | 4,433 |
| Return on assets (ROA) | 0.4778% | 4,471 |
| Pretax return on assets | 0.8322% | 4,152 |
| Return on Equity (ROE) | 5.3960% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.1832% | 3,395 |
| Net charge-offs to loans | 0.0822% | 2,280 |
| Credit loss provision to net charge-offs | 45.5497% | 3,378 |
| Earnings coverage of net charge-offs (x) | 12.2199% | 2,491 |
| Efficiency ratio | 80.3304% | 1,075 |
| Assets per employee ($millions) | 4.6807% | 2,896 |
| Cash dividends to net income (ytd only)* | 41.0078% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 5,320 |
| Loan loss allowance to noncurrent loans | 11.1469% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 5.3991% | 80 |
| Noncurrent loans to loans | 4.9721% | 139 |
| Net loans and leases to total assets | 83.1010% | 543 |
| Net loans and leases to deposits | 114.0521% | 179 |
| Net loans and leases to core deposits | 245.6236% | 32 |
| Total domestic deposits to total assets | 72.8624% | 5,269 |
| Equity capital to assets | 8.7620% | 4,916 |
| Core capital (leverage) ratio | 8.8707% | 4,790 |
| Tier 1 risk-based capital ratio | 11.2328% | 5,022 |
| Total risk-based capital ratio | 11.8264% | 5,246 |
| Memoranda: | ||
| Average total assets | $269,991,200 | 2,349 |
| Average earning assets | $251,341,400 | 2,339 |
| Average equity | $23,906,600 | 2,770 |
| Average total loans | $232,366,400 | 1,922 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 537 |
| Cost of funding earning assets | 1.0970% | 117 |
| Net interest margin | 3.9685% | 1,808 |
| Noninterest income to average assets | 0.7306% | 1,864 |
| Noninterest expense to average assets | 3.5020% | 994 |
| Loan and lease loss provision to assets | -0.0149% | 5,468 |
| Net operating income to assets | 0.5935% | 4,414 |
| Return on assets (ROA) | 0.5935% | 4,452 |
| Pretax return on assets | 0.9377% | 3,911 |
| Return on Equity (ROE) | 6.6849% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.3242% | 3,332 |
| Net charge-offs to loans | 0.1094% | 1,696 |
| Credit loss provision to net charge-offs | -15.7068% | 4,393 |
| Earnings coverage of net charge-offs (x) | 9.7278% | 2,664 |
| Efficiency ratio | 79.1447% | 1,198 |
| Assets per employee ($millions) | 4.8963% | 2,577 |
| Cash dividends to net income (ytd only)* | 35.3137% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 5,465 |
| Loan loss allowance to noncurrent loans | 10.0371% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 5.4583% | 85 |
| Noncurrent loans to loans | 4.9851% | 164 |
| Net loans and leases to total assets | 84.2740% | 408 |
| Net loans and leases to deposits | 116.7969% | 141 |
| Net loans and leases to core deposits | 244.5713% | 35 |
| Total domestic deposits to total assets | 72.1543% | 5,365 |
| Equity capital to assets | 8.8293% | 5,052 |
| Core capital (leverage) ratio | 8.7735% | 5,002 |
| Tier 1 risk-based capital ratio | 11.0829% | 5,196 |
| Total risk-based capital ratio | 11.6148% | 5,430 |
| Memoranda: | ||
| Average total assets | $268,449,250 | 2,371 |
| Average earning assets | $249,895,250 | 2,372 |
| Average equity | $23,834,000 | 2,798 |
| Average total loans | $232,765,500 | 1,928 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 524 |
| Cost of funding earning assets | 1.0410% | 137 |
| Net interest margin | 4.0060% | 1,586 |
| Noninterest income to average assets | 0.6731% | 2,111 |
| Noninterest expense to average assets | 3.5057% | 998 |
| Loan and lease loss provision to assets | -0.1246% | 5,663 |
| Net operating income to assets | 0.6618% | 4,020 |
| Return on assets (ROA) | 0.6618% | 4,076 |
| Pretax return on assets | 1.0228% | 3,470 |
| Return on Equity (ROE) | 7.4402% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.0698% | 2,667 |
| Net charge-offs to loans | 0.0421% | 2,352 |
| Credit loss provision to net charge-offs | -338.7755% | 4,586 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,643 |
| Efficiency ratio | 79.6047% | 1,262 |
| Assets per employee ($millions) | 4.5494% | 3,032 |
| Cash dividends to net income (ytd only)* | 31.8594% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 5,528 |
| Loan loss allowance to noncurrent loans | 9.3560% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 5.9002% | 78 |
| Noncurrent loans to loans | 5.2729% | 133 |
| Net loans and leases to total assets | 87.7715% | 158 |
| Net loans and leases to deposits | 116.8159% | 140 |
| Net loans and leases to core deposits | 244.0483% | 34 |
| Total domestic deposits to total assets | 75.1366% | 5,185 |
| Equity capital to assets | 8.9552% | 4,944 |
| Core capital (leverage) ratio | 8.8907% | 4,854 |
| Tier 1 risk-based capital ratio | 10.9941% | 5,254 |
| Total risk-based capital ratio | 11.5282% | 5,484 |
| Memoranda: | ||
| Average total assets | $266,535,670 | 2,396 |
| Average earning assets | $248,226,000 | 2,392 |
| Average equity | $23,709,000 | 2,809 |
| Average total loans | $232,943,000 | 1,933 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 940 |
| Cost of funding earning assets | 0.9990% | 167 |
| Net interest margin | 3.7002% | 2,482 |
| Noninterest income to average assets | 0.7078% | 1,928 |
| Noninterest expense to average assets | 3.4579% | 1,102 |
| Loan and lease loss provision to assets | -0.1461% | 5,775 |
| Net operating income to assets | 0.5407% | 4,418 |
| Return on assets (ROA) | 0.5407% | 4,462 |
| Pretax return on assets | 0.8434% | 3,959 |
| Return on Equity (ROE) | 6.0990% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.7035% | 3,592 |
| Net charge-offs to loans | 0.0329% | 2,117 |
| Credit loss provision to net charge-offs | -510.5263% | 4,260 |
| Earnings coverage of net charge-offs (x) | 24.3684% | 1,363 |
| Efficiency ratio | 83.2186% | 1,042 |
| Assets per employee ($millions) | 4.7950% | 2,704 |
| Cash dividends to net income (ytd only)* | 39.2758% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 5,547 |
| Loan loss allowance to noncurrent loans | 10.6132% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 5.8330% | 89 |
| Noncurrent loans to loans | 5.1497% | 153 |
| Net loans and leases to total assets | 87.4217% | 136 |
| Net loans and leases to deposits | 111.1421% | 200 |
| Net loans and leases to core deposits | 236.0665% | 35 |
| Total domestic deposits to total assets | 78.6576% | 4,890 |
| Equity capital to assets | 8.9692% | 4,835 |
| Core capital (leverage) ratio | 8.8443% | 4,913 |
| Tier 1 risk-based capital ratio | 11.1964% | 5,208 |
| Total risk-based capital ratio | 11.7958% | 5,444 |
| Memoranda: | ||
| Average total assets | $265,596,000 | 2,426 |
| Average earning assets | $247,445,500 | 2,417 |
| Average equity | $23,545,000 | 2,839 |
| Average total loans | $231,034,500 | 1,951 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 665 |
| Cost of funding earning assets | 0.9744% | 201 |
| Net interest margin | 3.9694% | 1,734 |
| Noninterest income to average assets | 0.6024% | 2,650 |
| Noninterest expense to average assets | 3.4656% | 1,224 |
| Loan and lease loss provision to assets | -0.1867% | 5,774 |
| Net operating income to assets | 0.6511% | 3,994 |
| Return on assets (ROA) | 0.6511% | 4,111 |
| Pretax return on assets | 1.0043% | 3,463 |
| Return on Equity (ROE) | 7.5148% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.5922% | 1,956 |
| Net charge-offs to loans | 0.0927% | 2,385 |
| Credit loss provision to net charge-offs | -234.9282% | 5,025 |
| Earnings coverage of net charge-offs (x) | 10.2871% | 2,656 |
| Efficiency ratio | 80.9109% | 1,313 |
| Assets per employee ($millions) | 4.9531% | 2,442 |
| Cash dividends to net income (ytd only)* | 25.5841% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 5,529 |
| Loan loss allowance to noncurrent loans | 11.2211% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 5.8142% | 92 |
| Noncurrent loans to loans | 5.3529% | 137 |
| Net loans and leases to total assets | 85.5680% | 261 |
| Net loans and leases to deposits | 108.2912% | 267 |
| Net loans and leases to core deposits | 233.8981% | 32 |
| Total domestic deposits to total assets | 79.0166% | 4,789 |
| Equity capital to assets | 8.7622% | 5,054 |
| Core capital (leverage) ratio | 8.6974% | 5,078 |
| Tier 1 risk-based capital ratio | 11.1870% | 5,233 |
| Total risk-based capital ratio | 11.8468% | 5,455 |
| Memoranda: | ||
| Average total assets | $262,958,600 | 2,412 |
| Average earning assets | $243,843,000 | 2,405 |
| Average equity | $22,781,600 | 2,911 |
| Average total loans | $225,549,200 | 1,941 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 592 |
| Cost of funding earning assets | 0.9604% | 213 |
| Net interest margin | 4.0455% | 1,538 |
| Noninterest income to average assets | 0.6187% | 2,572 |
| Noninterest expense to average assets | 3.4958% | 1,156 |
| Loan and lease loss provision to assets | -0.1757% | 5,856 |
| Net operating income to assets | 0.6788% | 3,971 |
| Return on assets (ROA) | 0.6788% | 4,093 |
| Pretax return on assets | 1.0439% | 3,455 |
| Return on Equity (ROE) | 7.8579% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,246 |
| Net charge-offs to loans | 0.1272% | 1,688 |
| Credit loss provision to net charge-offs | -161.2150% | 4,818 |
| Earnings coverage of net charge-offs (x) | 7.9672% | 2,823 |
| Efficiency ratio | 80.1050% | 1,426 |
| Assets per employee ($millions) | 4.9946% | 2,373 |
| Cash dividends to net income (ytd only)* | 25.0561% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 5,512 |
| Loan loss allowance to noncurrent loans | 13.8106% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 5.5875% | 112 |
| Noncurrent loans to loans | 4.7657% | 190 |
| Net loans and leases to total assets | 85.2860% | 305 |
| Net loans and leases to deposits | 107.7461% | 314 |
| Net loans and leases to core deposits | 232.4870% | 36 |
| Total domestic deposits to total assets | 79.1546% | 4,686 |
| Equity capital to assets | 8.5874% | 5,484 |
| Core capital (leverage) ratio | 8.7480% | 5,102 |
| Tier 1 risk-based capital ratio | 11.0128% | 5,362 |
| Total risk-based capital ratio | 11.7371% | 5,549 |
| Memoranda: | ||
| Average total assets | $261,831,250 | 2,430 |
| Average earning assets | $242,400,500 | 2,424 |
| Average equity | $22,618,000 | 2,954 |
| Average total loans | $224,374,000 | 1,954 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 477 |
| Cost of funding earning assets | 0.9452% | 225 |
| Net interest margin | 4.1773% | 1,165 |
| Noninterest income to average assets | 0.6559% | 2,346 |
| Noninterest expense to average assets | 3.3996% | 1,374 |
| Loan and lease loss provision to assets | 0.1103% | 2,029 |
| Net operating income to assets | 0.6574% | 4,009 |
| Return on assets (ROA) | 0.6574% | 4,155 |
| Pretax return on assets | 1.0092% | 3,543 |
| Return on Equity (ROE) | 7.5946% | 3,206 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,221 |
| Net charge-offs to loans | 0.0586% | 2,353 |
| Credit loss provision to net charge-offs | 220.0000% | 1,221 |
| Earnings coverage of net charge-offs (x) | 22.3231% | 1,634 |
| Efficiency ratio | 75.2262% | 2,193 |
| Assets per employee ($millions) | 4.8536% | 2,475 |
| Cash dividends to net income (ytd only)* | 23.1221% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,723 |
| Loan loss allowance to noncurrent loans | 20.2057% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 5.9325% | 107 |
| Noncurrent loans to loans | 4.7487% | 197 |
| Net loans and leases to total assets | 85.1048% | 319 |
| Net loans and leases to deposits | 104.0334% | 459 |
| Net loans and leases to core deposits | 224.8536% | 37 |
| Total domestic deposits to total assets | 81.8052% | 4,053 |
| Equity capital to assets | 8.7056% | 5,479 |
| Core capital (leverage) ratio | 8.7132% | 5,157 |
| Tier 1 risk-based capital ratio | 10.9939% | 5,425 |
| Total risk-based capital ratio | 12.0348% | 5,456 |
| Memoranda: | ||
| Average total assets | $259,205,000 | 2,460 |
| Average earning assets | $239,726,330 | 2,458 |
| Average equity | $22,437,000 | 2,977 |
| Average total loans | $221,982,330 | 1,971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,019 |
| Cost of funding earning assets | 0.8984% | 299 |
| Net interest margin | 3.8151% | 2,237 |
| Noninterest income to average assets | 0.5369% | 2,885 |
| Noninterest expense to average assets | 3.4047% | 1,373 |
| Loan and lease loss provision to assets | 0.0310% | 3,250 |
| Net operating income to assets | 0.4004% | 4,998 |
| Return on assets (ROA) | 0.4004% | 5,073 |
| Pretax return on assets | 0.6269% | 4,738 |
| Return on Equity (ROE) | 4.6388% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.0566% | 3,983 |
| Net charge-offs to loans | 0.1198% | 1,395 |
| Credit loss provision to net charge-offs | 30.3030% | 2,223 |
| Earnings coverage of net charge-offs (x) | 6.4242% | 2,244 |
| Efficiency ratio | 83.8044% | 1,176 |
| Assets per employee ($millions) | 4.8914% | 2,471 |
| Cash dividends to net income (ytd only)* | 34.1085% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 5,062 |
| Loan loss allowance to noncurrent loans | 17.1797% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 5.7797% | 125 |
| Noncurrent loans to loans | 5.2265% | 180 |
| Net loans and leases to total assets | 85.1189% | 284 |
| Net loans and leases to deposits | 103.7863% | 422 |
| Net loans and leases to core deposits | 228.7059% | 34 |
| Total domestic deposits to total assets | 82.0136% | 4,223 |
| Equity capital to assets | 8.4548% | 5,597 |
| Core capital (leverage) ratio | 8.5958% | 5,295 |
| Tier 1 risk-based capital ratio | 10.9059% | 5,548 |
| Total risk-based capital ratio | 11.8999% | 5,597 |
| Memoranda: | ||
| Average total assets | $257,759,000 | 2,481 |
| Average earning assets | $238,212,000 | 2,477 |
| Average equity | $22,247,000 | 2,998 |
| Average total loans | $220,364,500 | 1,981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,123 |
| Cost of funding earning assets | 0.8911% | 302 |
| Net interest margin | 3.8034% | 2,364 |
| Noninterest income to average assets | 0.4895% | 3,400 |
| Noninterest expense to average assets | 3.3253% | 1,656 |
| Loan and lease loss provision to assets | 0.0004% | 4,376 |
| Net operating income to assets | 0.4080% | 5,031 |
| Return on assets (ROA) | 0.3645% | 5,248 |
| Pretax return on assets | 0.5979% | 4,842 |
| Return on Equity (ROE) | 4.2198% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.7903% | 4,086 |
| Net charge-offs to loans | 0.1890% | 1,533 |
| Credit loss provision to net charge-offs | 0.2488% | 3,898 |
| Earnings coverage of net charge-offs (x) | 4.0348% | 3,619 |
| Efficiency ratio | 83.8204% | 1,194 |
| Assets per employee ($millions) | 4.5706% | 2,923 |
| Cash dividends to net income (ytd only)* | 33.8762% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 4,741 |
| Loan loss allowance to noncurrent loans | 15.9153% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 7.4567% | 89 |
| Noncurrent loans to loans | 6.1197% | 136 |
| Net loans and leases to total assets | 84.2461% | 368 |
| Net loans and leases to deposits | 100.9072% | 617 |
| Net loans and leases to core deposits | 220.4524% | 37 |
| Total domestic deposits to total assets | 83.4887% | 3,678 |
| Equity capital to assets | 8.8160% | 5,291 |
| Core capital (leverage) ratio | 8.7973% | 5,112 |
| Tier 1 risk-based capital ratio | 11.0345% | 5,510 |
| Total risk-based capital ratio | 12.0593% | 5,528 |
| Memoranda: | ||
| Average total assets | $252,699,800 | 2,483 |
| Average earning assets | $231,056,000 | 2,506 |
| Average equity | $21,825,600 | 2,992 |
| Average total loans | $212,701,200 | 1,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 768 |
| Cost of funding earning assets | 0.8862% | 307 |
| Net interest margin | 4.0093% | 1,665 |
| Noninterest income to average assets | 0.5286% | 3,177 |
| Noninterest expense to average assets | 3.3833% | 1,502 |
| Loan and lease loss provision to assets | 0.1325% | 1,687 |
| Net operating income to assets | 0.4355% | 5,026 |
| Return on assets (ROA) | 0.4086% | 5,224 |
| Pretax return on assets | 0.6548% | 4,815 |
| Return on Equity (ROE) | 4.6610% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.3053% | 4,117 |
| Net charge-offs to loans | 0.2484% | 1,053 |
| Credit loss provision to net charge-offs | 63.4761% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.8992% | 3,436 |
| Efficiency ratio | 80.6039% | 1,567 |
| Assets per employee ($millions) | 4.9387% | 2,373 |
| Cash dividends to net income (ytd only)* | 29.0867% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,207 |
| Loan loss allowance to noncurrent loans | 16.2975% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 7.1925% | 105 |
| Noncurrent loans to loans | 5.5198% | 165 |
| Net loans and leases to total assets | 85.2874% | 273 |
| Net loans and leases to deposits | 101.2906% | 593 |
| Net loans and leases to core deposits | 222.9736% | 39 |
| Total domestic deposits to total assets | 84.2007% | 3,342 |
| Equity capital to assets | 8.9661% | 5,337 |
| Core capital (leverage) ratio | 8.9592% | 5,041 |
| Tier 1 risk-based capital ratio | 11.1575% | 5,570 |
| Total risk-based capital ratio | 12.1092% | 5,655 |
| Memoranda: | ||
| Average total assets | $253,513,250 | 2,499 |
| Average earning assets | $231,986,500 | 2,508 |
| Average equity | $22,226,250 | 2,963 |
| Average total loans | $213,060,500 | 1,979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 980 |
| Cost of funding earning assets | 0.8889% | 306 |
| Net interest margin | 3.8662% | 2,084 |
| Noninterest income to average assets | 0.4298% | 3,858 |
| Noninterest expense to average assets | 3.3417% | 1,596 |
| Loan and lease loss provision to assets | 0.1504% | 1,420 |
| Net operating income to assets | 0.2984% | 5,439 |
| Return on assets (ROA) | 0.2582% | 5,638 |
| Pretax return on assets | 0.4345% | 5,387 |
| Return on Equity (ROE) | 2.9673% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.3932% | 4,993 |
| Net charge-offs to loans | 0.0567% | 2,596 |
| Credit loss provision to net charge-offs | 318.3333% | 893 |
| Earnings coverage of net charge-offs (x) | 13.2333% | 2,146 |
| Efficiency ratio | 84.2429% | 1,235 |
| Assets per employee ($millions) | 4.3873% | 3,158 |
| Cash dividends to net income (ytd only)* | 53.0488% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,694 |
| Loan loss allowance to noncurrent loans | 17.3838% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 7.7413% | 98 |
| Noncurrent loans to loans | 5.9451% | 162 |
| Net loans and leases to total assets | 85.2396% | 283 |
| Net loans and leases to deposits | 99.0033% | 720 |
| Net loans and leases to core deposits | 229.3728% | 39 |
| Total domestic deposits to total assets | 86.0978% | 2,646 |
| Equity capital to assets | 8.8717% | 5,371 |
| Core capital (leverage) ratio | 8.9713% | 5,009 |
| Tier 1 risk-based capital ratio | 10.9836% | 5,714 |
| Total risk-based capital ratio | 12.0722% | 5,732 |
| Memoranda: | ||
| Average total assets | $254,060,330 | 2,509 |
| Average earning assets | $232,426,670 | 2,522 |
| Average equity | $22,107,330 | 2,984 |
| Average total loans | $211,825,670 | 1,999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 969 |
| Cost of funding earning assets | 0.8909% | 303 |
| Net interest margin | 3.8474% | 2,080 |
| Noninterest income to average assets | 0.3390% | 4,483 |
| Noninterest expense to average assets | 3.4571% | 1,395 |
| Loan and lease loss provision to assets | -0.0031% | 6,079 |
| Net operating income to assets | 0.2484% | 5,568 |
| Return on assets (ROA) | 0.2484% | 5,658 |
| Pretax return on assets | 0.3999% | 5,435 |
| Return on Equity (ROE) | 2.8820% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.3051% | 4,964 |
| Net charge-offs to loans | 0.0876% | 1,843 |
| Credit loss provision to net charge-offs | -4.3478% | 4,293 |
| Earnings coverage of net charge-offs (x) | 5.5217% | 2,381 |
| Efficiency ratio | 89.7041% | 868 |
| Assets per employee ($millions) | 4.3931% | 3,209 |
| Cash dividends to net income (ytd only)* | 54.7170% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 5,172 |
| Loan loss allowance to noncurrent loans | 15.5099% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 8.1468% | 96 |
| Noncurrent loans to loans | 6.2470% | 167 |
| Net loans and leases to total assets | 82.1126% | 449 |
| Net loans and leases to deposits | 96.4103% | 802 |
| Net loans and leases to core deposits | 223.4514% | 42 |
| Total domestic deposits to total assets | 85.1699% | 3,322 |
| Equity capital to assets | 8.6751% | 5,594 |
| Core capital (leverage) ratio | 8.8858% | 5,089 |
| Tier 1 risk-based capital ratio | 11.1533% | 5,738 |
| Total risk-based capital ratio | 12.1750% | 5,766 |
| Memoranda: | ||
| Average total assets | $256,053,000 | 2,500 |
| Average earning assets | $233,921,500 | 2,520 |
| Average equity | $22,068,000 | 3,011 |
| Average total loans | $210,044,000 | 2,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,092 |
| Cost of funding earning assets | 0.9193% | 347 |
| Net interest margin | 3.8920% | 2,272 |
| Noninterest income to average assets | 0.9399% | 1,380 |
| Noninterest expense to average assets | 3.8364% | 936 |
| Loan and lease loss provision to assets | -0.0656% | 6,079 |
| Net operating income to assets | 0.4747% | 4,907 |
| Return on assets (ROA) | 0.4747% | 5,002 |
| Pretax return on assets | 0.7274% | 4,520 |
| Return on Equity (ROE) | 5.7883% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.6362% | 2,870 |
| Net charge-offs to loans | 0.0940% | 3,157 |
| Credit loss provision to net charge-offs | -84.3902% | 5,489 |
| Earnings coverage of net charge-offs (x) | 8.5073% | 2,865 |
| Efficiency ratio | 85.2877% | 1,254 |
| Assets per employee ($millions) | 4.3611% | 3,254 |
| Cash dividends to net income (ytd only)* | 19.9041% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 5,037 |
| Loan loss allowance to noncurrent loans | 15.5427% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 8.2536% | 113 |
| Noncurrent loans to loans | 6.4549% | 166 |
| Net loans and leases to total assets | 80.3414% | 697 |
| Net loans and leases to deposits | 92.3803% | 1,247 |
| Net loans and leases to core deposits | 225.1577% | 39 |
| Total domestic deposits to total assets | 86.9681% | 2,307 |
| Equity capital to assets | 8.5625% | 5,681 |
| Core capital (leverage) ratio | 8.4748% | 5,578 |
| Tier 1 risk-based capital ratio | 11.3845% | 5,725 |
| Total risk-based capital ratio | 12.4488% | 5,752 |
| Memoranda: | ||
| Average total assets | $263,527,400 | 2,396 |
| Average earning assets | $240,933,200 | 2,424 |
| Average equity | $21,612,400 | 2,986 |
| Average total loans | $217,974,000 | 1,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,102 |
| Cost of funding earning assets | 0.9166% | 379 |
| Net interest margin | 3.8868% | 2,295 |
| Noninterest income to average assets | 0.9828% | 1,274 |
| Noninterest expense to average assets | 3.8266% | 936 |
| Loan and lease loss provision to assets | -0.0226% | 6,114 |
| Net operating income to assets | 0.4803% | 4,943 |
| Return on assets (ROA) | 0.4803% | 5,025 |
| Pretax return on assets | 0.7323% | 4,586 |
| Return on Equity (ROE) | 5.9203% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.0896% | 3,030 |
| Net charge-offs to loans | 0.0872% | 2,962 |
| Credit loss provision to net charge-offs | -31.2500% | 5,309 |
| Earnings coverage of net charge-offs (x) | 9.7984% | 2,622 |
| Efficiency ratio | 84.3553% | 1,350 |
| Assets per employee ($millions) | 4.4690% | 3,024 |
| Cash dividends to net income (ytd only)* | 14.0313% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,078 |
| Loan loss allowance to noncurrent loans | 15.0550% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 8.7510% | 117 |
| Noncurrent loans to loans | 6.8401% | 177 |
| Net loans and leases to total assets | 81.8633% | 525 |
| Net loans and leases to deposits | 94.2997% | 1,012 |
| Net loans and leases to core deposits | 227.5069% | 39 |
| Total domestic deposits to total assets | 86.8118% | 2,415 |
| Equity capital to assets | 8.1490% | 6,045 |
| Core capital (leverage) ratio | 8.0718% | 6,019 |
| Tier 1 risk-based capital ratio | 10.7039% | 6,128 |
| Total risk-based capital ratio | 11.8270% | 6,126 |
| Memoranda: | ||
| Average total assets | $265,082,500 | 2,412 |
| Average earning assets | $242,349,500 | 2,421 |
| Average equity | $21,507,500 | 3,005 |
| Average total loans | $220,262,750 | 1,912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 1,003 |
| Cost of funding earning assets | 0.9163% | 394 |
| Net interest margin | 3.9260% | 2,063 |
| Noninterest income to average assets | 1.1134% | 958 |
| Noninterest expense to average assets | 3.7196% | 1,102 |
| Loan and lease loss provision to assets | -0.0954% | 6,368 |
| Net operating income to assets | 0.7021% | 3,830 |
| Return on assets (ROA) | 0.7021% | 3,919 |
| Pretax return on assets | 1.0816% | 3,178 |
| Return on Equity (ROE) | 8.6664% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.9091% | 1,359 |
| Net charge-offs to loans | 0.0018% | 4,333 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,930 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 107 |
| Efficiency ratio | 79.0439% | 2,162 |
| Assets per employee ($millions) | 4.0525% | 3,730 |
| Cash dividends to net income (ytd only)* | 8.7379% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 5,054 |
| Loan loss allowance to noncurrent loans | 17.8503% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 7.6313% | 149 |
| Noncurrent loans to loans | 5.9557% | 267 |
| Net loans and leases to total assets | 81.5945% | 507 |
| Net loans and leases to deposits | 93.8391% | 971 |
| Net loans and leases to core deposits | 231.8295% | 39 |
| Total domestic deposits to total assets | 86.9515% | 2,476 |
| Equity capital to assets | 8.1350% | 6,077 |
| Core capital (leverage) ratio | 8.1825% | 5,949 |
| Tier 1 risk-based capital ratio | 10.6761% | 6,189 |
| Total risk-based capital ratio | 11.8312% | 6,165 |
| Memoranda: | ||
| Average total assets | $264,062,670 | 2,420 |
| Average earning assets | $241,623,000 | 2,427 |
| Average equity | $21,393,000 | 3,008 |
| Average total loans | $219,752,330 | 1,905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,348 |
| Cost of funding earning assets | 0.9315% | 382 |
| Net interest margin | 3.7276% | 2,759 |
| Noninterest income to average assets | 1.1206% | 886 |
| Noninterest expense to average assets | 3.6469% | 1,219 |
| Loan and lease loss provision to assets | -0.1525% | 6,534 |
| Net operating income to assets | 0.6739% | 3,823 |
| Return on assets (ROA) | 0.6739% | 3,904 |
| Pretax return on assets | 1.0428% | 3,156 |
| Return on Equity (ROE) | 8.3355% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.8079% | 2,142 |
| Net charge-offs to loans | 0.1039% | 2,137 |
| Credit loss provision to net charge-offs | -175.4386% | 4,942 |
| Earnings coverage of net charge-offs (x) | 10.2456% | 1,875 |
| Efficiency ratio | 80.3763% | 2,149 |
| Assets per employee ($millions) | 4.3871% | 3,173 |
| Cash dividends to net income (ytd only)* | 18.3258% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,293 |
| Loan loss allowance to noncurrent loans | 19.9518% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 7.3906% | 195 |
| Noncurrent loans to loans | 5.2915% | 395 |
| Net loans and leases to total assets | 82.4599% | 330 |
| Net loans and leases to deposits | 94.9406% | 722 |
| Net loans and leases to core deposits | 230.9587% | 40 |
| Total domestic deposits to total assets | 86.8542% | 2,910 |
| Equity capital to assets | 8.1265% | 5,959 |
| Core capital (leverage) ratio | 8.2326% | 5,907 |
| Tier 1 risk-based capital ratio | 10.7093% | 6,273 |
| Total risk-based capital ratio | 11.8733% | 6,265 |
| Memoranda: | ||
| Average total assets | $262,362,500 | 2,440 |
| Average earning assets | $240,475,000 | 2,437 |
| Average equity | $21,210,500 | 3,026 |
| Average total loans | $219,338,500 | 1,901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,163 |
| Cost of funding earning assets | 0.9851% | 485 |
| Net interest margin | 3.8804% | 2,368 |
| Noninterest income to average assets | 0.6351% | 2,887 |
| Noninterest expense to average assets | 3.6259% | 1,407 |
| Loan and lease loss provision to assets | 0.1419% | 2,538 |
| Net operating income to assets | 0.3555% | 5,315 |
| Return on assets (ROA) | 0.3555% | 5,429 |
| Pretax return on assets | 0.4700% | 5,295 |
| Return on Equity (ROE) | 4.5038% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.2396% | 3,926 |
| Net charge-offs to loans | 0.2832% | 2,281 |
| Credit loss provision to net charge-offs | 59.3651% | 3,585 |
| Earnings coverage of net charge-offs (x) | 2.5603% | 4,152 |
| Efficiency ratio | 85.5608% | 1,461 |
| Assets per employee ($millions) | 4.3583% | 3,157 |
| Cash dividends to net income (ytd only)* | 28.0683% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,008 |
| Loan loss allowance to noncurrent loans | 26.6775% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 5.3667% | 411 |
| Noncurrent loans to loans | 4.2270% | 661 |
| Net loans and leases to total assets | 82.9189% | 332 |
| Net loans and leases to deposits | 95.3573% | 781 |
| Net loans and leases to core deposits | 221.7809% | 39 |
| Total domestic deposits to total assets | 86.9560% | 2,746 |
| Equity capital to assets | 8.0421% | 5,987 |
| Core capital (leverage) ratio | 7.9453% | 6,176 |
| Tier 1 risk-based capital ratio | 10.9079% | 6,215 |
| Total risk-based capital ratio | 12.1584% | 6,162 |
| Memoranda: | ||
| Average total assets | $263,601,200 | 2,401 |
| Average earning assets | $244,743,600 | 2,377 |
| Average equity | $20,804,800 | 3,068 |
| Average total loans | $222,481,000 | 1,840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,255 |
| Cost of funding earning assets | 0.9983% | 500 |
| Net interest margin | 3.8448% | 2,484 |
| Noninterest income to average assets | 0.5634% | 3,371 |
| Noninterest expense to average assets | 3.6204% | 1,364 |
| Loan and lease loss provision to assets | 0.1459% | 2,456 |
| Net operating income to assets | 0.3089% | 5,588 |
| Return on assets (ROA) | 0.3089% | 5,704 |
| Pretax return on assets | 0.3705% | 5,703 |
| Return on Equity (ROE) | 3.9327% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.1937% | 4,401 |
| Net charge-offs to loans | 0.3446% | 1,824 |
| Credit loss provision to net charge-offs | 50.0867% | 3,492 |
| Earnings coverage of net charge-offs (x) | 1.7730% | 4,245 |
| Efficiency ratio | 87.5168% | 1,210 |
| Assets per employee ($millions) | 4.0407% | 3,755 |
| Cash dividends to net income (ytd only)* | 18.7909% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,361 |
| Loan loss allowance to noncurrent loans | 24.9949% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 5.2661% | 517 |
| Noncurrent loans to loans | 4.3685% | 762 |
| Net loans and leases to total assets | 82.9119% | 298 |
| Net loans and leases to deposits | 93.4754% | 863 |
| Net loans and leases to core deposits | 208.8404% | 41 |
| Total domestic deposits to total assets | 88.6992% | 1,725 |
| Equity capital to assets | 7.8192% | 6,249 |
| Core capital (leverage) ratio | 7.8371% | 6,310 |
| Tier 1 risk-based capital ratio | 10.6687% | 6,403 |
| Total risk-based capital ratio | 11.9187% | 6,373 |
| Memoranda: | ||
| Average total assets | $264,126,500 | 2,417 |
| Average earning assets | $245,486,000 | 2,387 |
| Average equity | $20,748,500 | 3,104 |
| Average total loans | $223,274,750 | 1,834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,212 |
| Cost of funding earning assets | 1.0202% | 490 |
| Net interest margin | 3.8327% | 2,435 |
| Noninterest income to average assets | 0.7293% | 2,508 |
| Noninterest expense to average assets | 3.5515% | 1,501 |
| Loan and lease loss provision to assets | 0.1823% | 2,083 |
| Net operating income to assets | 0.3601% | 5,360 |
| Return on assets (ROA) | 0.3601% | 5,541 |
| Pretax return on assets | 0.5599% | 5,163 |
| Return on Equity (ROE) | 4.5767% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.4663% | 4,111 |
| Net charge-offs to loans | 0.1864% | 2,630 |
| Credit loss provision to net charge-offs | 115.3846% | 1,917 |
| Earnings coverage of net charge-offs (x) | 4.6971% | 3,062 |
| Efficiency ratio | 82.7141% | 1,795 |
| Assets per employee ($millions) | 3.7958% | 4,215 |
| Cash dividends to net income (ytd only)* | 24.2616% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 4,810 |
| Loan loss allowance to noncurrent loans | 24.3474% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 6.2014% | 429 |
| Noncurrent loans to loans | 5.0733% | 628 |
| Net loans and leases to total assets | 84.2895% | 219 |
| Net loans and leases to deposits | 95.2620% | 721 |
| Net loans and leases to core deposits | 207.3185% | 42 |
| Total domestic deposits to total assets | 88.4818% | 1,926 |
| Equity capital to assets | 7.9093% | 6,262 |
| Core capital (leverage) ratio | 7.7791% | 6,320 |
| Tier 1 risk-based capital ratio | 10.6241% | 6,465 |
| Total risk-based capital ratio | 11.8762% | 6,441 |
| Memoranda: | ||
| Average total assets | $263,272,670 | 2,427 |
| Average earning assets | $244,842,670 | 2,403 |
| Average equity | $20,713,670 | 3,125 |
| Average total loans | $223,180,670 | 1,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 970 |
| Cost of funding earning assets | 1.0406% | 491 |
| Net interest margin | 3.9153% | 2,063 |
| Noninterest income to average assets | 0.5228% | 3,619 |
| Noninterest expense to average assets | 3.4021% | 1,835 |
| Loan and lease loss provision to assets | 0.0833% | 3,261 |
| Net operating income to assets | 0.4546% | 4,895 |
| Return on assets (ROA) | 0.4546% | 5,057 |
| Pretax return on assets | 0.6865% | 4,632 |
| Return on Equity (ROE) | 5.7935% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.5189% | 3,524 |
| Net charge-offs to loans | 0.2332% | 2,041 |
| Credit loss provision to net charge-offs | 42.3077% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.9077% | 2,648 |
| Efficiency ratio | 81.5474% | 2,106 |
| Assets per employee ($millions) | 4.1226% | 3,692 |
| Cash dividends to net income (ytd only)* | 22.0000% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,181 |
| Loan loss allowance to noncurrent loans | 22.5757% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 5.9144% | 541 |
| Noncurrent loans to loans | 5.3108% | 703 |
| Net loans and leases to total assets | 81.6163% | 299 |
| Net loans and leases to deposits | 92.1058% | 795 |
| Net loans and leases to core deposits | 200.9094% | 44 |
| Total domestic deposits to total assets | 88.6115% | 1,924 |
| Equity capital to assets | 7.7732% | 6,486 |
| Core capital (leverage) ratio | 7.7557% | 6,322 |
| Tier 1 risk-based capital ratio | 10.5936% | 6,554 |
| Total risk-based capital ratio | 11.8448% | 6,523 |
| Memoranda: | ||
| Average total assets | $263,955,000 | 2,454 |
| Average earning assets | $246,008,000 | 2,415 |
| Average equity | $20,713,000 | 3,177 |
| Average total loans | $223,010,000 | 1,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,084 |
| Cost of funding earning assets | 1.2812% | 401 |
| Net interest margin | 3.9384% | 2,658 |
| Noninterest income to average assets | 0.4517% | 4,237 |
| Noninterest expense to average assets | 3.3209% | 2,275 |
| Loan and lease loss provision to assets | 0.5082% | 1,156 |
| Net operating income to assets | 0.1648% | 5,855 |
| Return on assets (ROA) | 0.1648% | 6,025 |
| Pretax return on assets | 0.2977% | 5,819 |
| Return on Equity (ROE) | 2.0015% | 5,899 |
| Retained earnings to average equity (ytd only) | -0.8074% | 5,990 |
| Net charge-offs to loans | 0.4217% | 2,548 |
| Credit loss provision to net charge-offs | 142.5223% | 1,920 |
| Earnings coverage of net charge-offs (x) | 2.2600% | 4,288 |
| Efficiency ratio | 80.4706% | 2,089 |
| Assets per employee ($millions) | 3.9991% | 3,950 |
| Cash dividends to net income (ytd only)* | 140.3382% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,047 |
| Loan loss allowance to noncurrent loans | 23.9786% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 6.0664% | 565 |
| Noncurrent loans to loans | 5.0659% | 780 |
| Net loans and leases to total assets | 85.3773% | 156 |
| Net loans and leases to deposits | 96.5992% | 585 |
| Net loans and leases to core deposits | 206.7206% | 52 |
| Total domestic deposits to total assets | 88.3830% | 1,975 |
| Equity capital to assets | 7.9234% | 6,445 |
| Core capital (leverage) ratio | 7.9484% | 6,241 |
| Tier 1 risk-based capital ratio | 10.2668% | 6,630 |
| Total risk-based capital ratio | 11.5184% | 6,594 |
| Memoranda: | ||
| Average total assets | $251,256,400 | 2,517 |
| Average earning assets | $234,459,800 | 2,460 |
| Average equity | $20,684,800 | 3,118 |
| Average total loans | $212,448,400 | 1,903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 1,097 |
| Cost of funding earning assets | 1.3359% | 379 |
| Net interest margin | 3.9153% | 2,857 |
| Noninterest income to average assets | 0.2853% | 5,503 |
| Noninterest expense to average assets | 3.2352% | 2,467 |
| Loan and lease loss provision to assets | 0.6803% | 759 |
| Net operating income to assets | -0.0225% | 6,313 |
| Return on assets (ROA) | -0.0225% | 6,431 |
| Pretax return on assets | 0.0236% | 6,371 |
| Return on Equity (ROE) | -0.2704% | 6,438 |
| Retained earnings to average equity (ytd only) | -3.5092% | 6,516 |
| Net charge-offs to loans | 0.4782% | 2,185 |
| Credit loss provision to net charge-offs | 169.2410% | 1,644 |
| Earnings coverage of net charge-offs (x) | 1.7510% | 4,395 |
| Efficiency ratio | 82.1307% | 1,793 |
| Assets per employee ($millions) | 4.1592% | 3,552 |
| Cash dividends to net income (ytd only)* | -1,197.5893% | 7,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,849 |
| Loan loss allowance to noncurrent loans | 31.8172% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 5.0521% | 882 |
| Noncurrent loans to loans | 4.0586% | 1,250 |
| Net loans and leases to total assets | 85.0150% | 184 |
| Net loans and leases to deposits | 95.9603% | 663 |
| Net loans and leases to core deposits | 196.2967% | 55 |
| Total domestic deposits to total assets | 88.5940% | 1,662 |
| Equity capital to assets | 7.8403% | 6,669 |
| Core capital (leverage) ratio | 8.0002% | 6,328 |
| Tier 1 risk-based capital ratio | 10.3062% | 6,728 |
| Total risk-based capital ratio | 11.5590% | 6,700 |
| Memoranda: | ||
| Average total assets | $249,085,750 | 2,563 |
| Average earning assets | $232,450,750 | 2,501 |
| Average equity | $20,707,000 | 3,147 |
| Average total loans | $209,396,000 | 1,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 940 |
| Cost of funding earning assets | 1.3567% | 414 |
| Net interest margin | 4.0047% | 2,485 |
| Noninterest income to average assets | 0.3721% | 4,859 |
| Noninterest expense to average assets | 3.0631% | 3,041 |
| Loan and lease loss provision to assets | 0.3689% | 1,781 |
| Net operating income to assets | 0.4428% | 5,066 |
| Return on assets (ROA) | 0.4428% | 5,295 |
| Pretax return on assets | 0.6719% | 4,905 |
| Return on Equity (ROE) | 5.2228% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.2362% | 5,579 |
| Net charge-offs to loans | 0.4845% | 2,135 |
| Credit loss provision to net charge-offs | 91.3481% | 2,999 |
| Earnings coverage of net charge-offs (x) | 2.5775% | 3,717 |
| Efficiency ratio | 74.6387% | 2,961 |
| Assets per employee ($millions) | 3.8962% | 4,083 |
| Cash dividends to net income (ytd only)* | 76.3303% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,727 |
| Loan loss allowance to noncurrent loans | 27.5751% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 5.0977% | 928 |
| Noncurrent loans to loans | 4.0431% | 1,357 |
| Net loans and leases to total assets | 83.2891% | 248 |
| Net loans and leases to deposits | 94.9136% | 703 |
| Net loans and leases to core deposits | 189.7832% | 59 |
| Total domestic deposits to total assets | 87.7525% | 2,308 |
| Equity capital to assets | 8.5113% | 6,200 |
| Core capital (leverage) ratio | 8.5392% | 5,595 |
| Tier 1 risk-based capital ratio | 11.2975% | 6,336 |
| Total risk-based capital ratio | 12.5474% | 6,315 |
| Memoranda: | ||
| Average total assets | $246,157,000 | 2,589 |
| Average earning assets | $229,382,330 | 2,530 |
| Average equity | $20,870,000 | 3,121 |
| Average total loans | $205,162,000 | 1,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 863 |
| Cost of funding earning assets | 1.3693% | 471 |
| Net interest margin | 4.0662% | 2,226 |
| Noninterest income to average assets | 0.6101% | 3,160 |
| Noninterest expense to average assets | 3.0604% | 3,052 |
| Loan and lease loss provision to assets | 0.0016% | 5,242 |
| Net operating income to assets | 0.8892% | 2,970 |
| Return on assets (ROA) | 0.8892% | 3,193 |
| Pretax return on assets | 1.3403% | 2,391 |
| Return on Equity (ROE) | 10.5087% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.6819% | 4,379 |
| Net charge-offs to loans | 0.0920% | 3,600 |
| Credit loss provision to net charge-offs | 2.1277% | 3,980 |
| Earnings coverage of net charge-offs (x) | 17.5957% | 1,300 |
| Efficiency ratio | 69.5171% | 3,899 |
| Assets per employee ($millions) | 4.1500% | 3,686 |
| Cash dividends to net income (ytd only)* | 64.9635% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,819 |
| Loan loss allowance to noncurrent loans | 50.9067% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 3.7366% | 1,500 |
| Noncurrent loans to loans | 2.2132% | 2,905 |
| Net loans and leases to total assets | 82.5091% | 247 |
| Net loans and leases to deposits | 92.0780% | 793 |
| Net loans and leases to core deposits | 190.0275% | 57 |
| Total domestic deposits to total assets | 89.6078% | 1,295 |
| Equity capital to assets | 8.5584% | 6,031 |
| Core capital (leverage) ratio | 8.5817% | 5,465 |
| Tier 1 risk-based capital ratio | 11.5125% | 6,275 |
| Total risk-based capital ratio | 12.7625% | 6,254 |
| Memoranda: | ||
| Average total assets | $246,504,000 | 2,590 |
| Average earning assets | $229,894,000 | 2,534 |
| Average equity | $20,859,000 | 3,125 |
| Average total loans | $204,368,500 | 1,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 680 |
| Cost of funding earning assets | 1.5301% | 636 |
| Net interest margin | 4.2390% | 1,928 |
| Noninterest income to average assets | 0.7314% | 2,434 |
| Noninterest expense to average assets | 3.2961% | 2,536 |
| Loan and lease loss provision to assets | 0.2475% | 3,735 |
| Net operating income to assets | 0.7563% | 3,234 |
| Return on assets (ROA) | 0.7563% | 3,398 |
| Pretax return on assets | 1.1548% | 2,630 |
| Return on Equity (ROE) | 8.9987% | 2,449 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,633 |
| Net charge-offs to loans | 0.1071% | 5,288 |
| Credit loss provision to net charge-offs | 269.6262% | 891 |
| Earnings coverage of net charge-offs (x) | 15.2757% | 1,404 |
| Efficiency ratio | 70.1543% | 3,915 |
| Assets per employee ($millions) | 4.3537% | 3,152 |
| Cash dividends to net income (ytd only)* | 25.3545% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,631 |
| Loan loss allowance to noncurrent loans | 43.7163% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.1248% | 1,383 |
| Noncurrent loans to loans | 2.6275% | 2,481 |
| Net loans and leases to total assets | 81.4253% | 379 |
| Net loans and leases to deposits | 90.7236% | 1,076 |
| Net loans and leases to core deposits | 186.1441% | 72 |
| Total domestic deposits to total assets | 89.7510% | 1,131 |
| Equity capital to assets | 8.3668% | 6,286 |
| Core capital (leverage) ratio | 8.7467% | 5,179 |
| Tier 1 risk-based capital ratio | 11.4647% | 6,181 |
| Total risk-based capital ratio | 12.7156% | 6,172 |
| Memoranda: | ||
| Average total assets | $233,122,400 | 2,693 |
| Average earning assets | $218,162,600 | 2,632 |
| Average equity | $19,591,800 | 3,201 |
| Average total loans | $199,795,800 | 2,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8464% | 635 |
| Cost of funding earning assets | 1.5693% | 668 |
| Net interest margin | 4.2771% | 1,801 |
| Noninterest income to average assets | 0.7946% | 2,077 |
| Noninterest expense to average assets | 3.3553% | 2,331 |
| Loan and lease loss provision to assets | 0.2680% | 3,363 |
| Net operating income to assets | 0.7737% | 3,285 |
| Return on assets (ROA) | 0.7737% | 3,443 |
| Pretax return on assets | 1.1766% | 2,710 |
| Return on Equity (ROE) | 9.1954% | 2,506 |
| Retained earnings to average equity (ytd only) | 6.3490% | 2,330 |
| Net charge-offs to loans | 0.1470% | 4,597 |
| Credit loss provision to net charge-offs | 210.5023% | 1,378 |
| Earnings coverage of net charge-offs (x) | 11.3471% | 1,814 |
| Efficiency ratio | 69.9043% | 3,972 |
| Assets per employee ($millions) | 4.1996% | 3,444 |
| Cash dividends to net income (ytd only)* | 30.9542% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,906 |
| Loan loss allowance to noncurrent loans | 45.4675% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 4.2539% | 1,437 |
| Noncurrent loans to loans | 2.4118% | 2,873 |
| Net loans and leases to total assets | 83.9083% | 230 |
| Net loans and leases to deposits | 94.5459% | 790 |
| Net loans and leases to core deposits | 206.5293% | 63 |
| Total domestic deposits to total assets | 88.7488% | 1,585 |
| Equity capital to assets | 8.5079% | 6,285 |
| Core capital (leverage) ratio | 8.7772% | 5,301 |
| Tier 1 risk-based capital ratio | 11.1100% | 6,476 |
| Total risk-based capital ratio | 12.3311% | 6,476 |
| Memoranda: | ||
| Average total assets | $229,363,000 | 2,738 |
| Average earning assets | $214,783,500 | 2,687 |
| Average equity | $19,299,000 | 3,242 |
| Average total loans | $198,641,500 | 2,072 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8585% | 640 |
| Cost of funding earning assets | 1.5834% | 751 |
| Net interest margin | 4.2751% | 1,748 |
| Noninterest income to average assets | 0.8247% | 1,910 |
| Noninterest expense to average assets | 3.3076% | 2,531 |
| Loan and lease loss provision to assets | 0.2124% | 3,792 |
| Net operating income to assets | 0.8751% | 2,749 |
| Return on assets (ROA) | 0.8751% | 2,847 |
| Pretax return on assets | 1.3184% | 2,083 |
| Return on Equity (ROE) | 10.4417% | 1,967 |
| Retained earnings to average equity (ytd only) | 6.5564% | 2,110 |
| Net charge-offs to loans | 0.0497% | 5,157 |
| Credit loss provision to net charge-offs | 489.7959% | 632 |
| Earnings coverage of net charge-offs (x) | 35.3061% | 817 |
| Efficiency ratio | 68.3614% | 4,451 |
| Assets per employee ($millions) | 3.8789% | 4,044 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,955 |
| Loan loss allowance to noncurrent loans | 24.3319% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 5.9680% | 942 |
| Noncurrent loans to loans | 4.5234% | 1,460 |
| Net loans and leases to total assets | 85.4379% | 164 |
| Net loans and leases to deposits | 94.2408% | 857 |
| Net loans and leases to core deposits | 217.5749% | 65 |
| Total domestic deposits to total assets | 90.6591% | 655 |
| Equity capital to assets | 8.4237% | 6,275 |
| Core capital (leverage) ratio | 8.4717% | 5,602 |
| Tier 1 risk-based capital ratio | 10.7925% | 6,667 |
| Total risk-based capital ratio | 12.0173% | 6,659 |
| Memoranda: | ||
| Average total assets | $226,024,670 | 2,791 |
| Average earning assets | $212,203,330 | 2,730 |
| Average equity | $18,943,330 | 3,274 |
| Average total loans | $197,160,330 | 2,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 710 |
| Cost of funding earning assets | 1.5512% | 973 |
| Net interest margin | 4.2697% | 1,668 |
| Noninterest income to average assets | 0.7782% | 2,120 |
| Noninterest expense to average assets | 3.3427% | 2,435 |
| Loan and lease loss provision to assets | 0.0053% | 5,803 |
| Net operating income to assets | 0.9385% | 2,409 |
| Return on assets (ROA) | 0.9385% | 2,471 |
| Pretax return on assets | 1.4496% | 1,600 |
| Return on Equity (ROE) | 11.2271% | 1,666 |
| Retained earnings to average equity (ytd only) | 5.0703% | 3,144 |
| Net charge-offs to loans | 0.0081% | 4,998 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 204.2500% | 151 |
| Efficiency ratio | 69.6733% | 4,341 |
| Assets per employee ($millions) | 4.2003% | 3,461 |
| Cash dividends to net income (ytd only)* | 54.8387% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,441 |
| Loan loss allowance to noncurrent loans | 30.8602% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 4.6848% | 1,362 |
| Noncurrent loans to loans | 3.2026% | 2,340 |
| Net loans and leases to total assets | 87.6288% | 89 |
| Net loans and leases to deposits | 96.4292% | 666 |
| Net loans and leases to core deposits | 214.2147% | 64 |
| Total domestic deposits to total assets | 90.8737% | 689 |
| Equity capital to assets | 8.3305% | 6,127 |
| Core capital (leverage) ratio | 8.4297% | 5,573 |
| Tier 1 risk-based capital ratio | 10.5542% | 6,779 |
| Total risk-based capital ratio | 11.6685% | 6,840 |
| Memoranda: | ||
| Average total assets | $224,610,000 | 2,826 |
| Average earning assets | $211,442,500 | 2,762 |
| Average equity | $18,776,000 | 3,286 |
| Average total loans | $196,888,500 | 2,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 1,185 |
| Cost of funding earning assets | 1.7773% | 1,268 |
| Net interest margin | 4.0587% | 2,759 |
| Noninterest income to average assets | 0.7229% | 2,691 |
| Noninterest expense to average assets | 3.1588% | 3,242 |
| Loan and lease loss provision to assets | 0.2898% | 4,482 |
| Net operating income to assets | 0.7176% | 3,157 |
| Return on assets (ROA) | 0.7176% | 3,286 |
| Pretax return on assets | 1.1044% | 2,564 |
| Return on Equity (ROE) | 8.2310% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,029 |
| Net charge-offs to loans | 0.1997% | 5,094 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 8.0194% | 2,027 |
| Efficiency ratio | 69.3784% | 4,302 |
| Assets per employee ($millions) | 4.3608% | 3,098 |
| Cash dividends to net income (ytd only)* | 31.5612% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,243 |
| Loan loss allowance to noncurrent loans | 46.7719% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.7356% | 1,840 |
| Noncurrent loans to loans | 2.1986% | 3,318 |
| Net loans and leases to total assets | 85.9031% | 187 |
| Net loans and leases to deposits | 94.6706% | 994 |
| Net loans and leases to core deposits | 194.7691% | 88 |
| Total domestic deposits to total assets | 90.7389% | 724 |
| Equity capital to assets | 8.3888% | 6,019 |
| Core capital (leverage) ratio | 8.6390% | 5,126 |
| Tier 1 risk-based capital ratio | 10.6905% | 6,574 |
| Total risk-based capital ratio | 11.8343% | 6,617 |
| Memoranda: | ||
| Average total assets | $207,072,200 | 3,015 |
| Average earning assets | $195,406,000 | 2,933 |
| Average equity | $18,053,600 | 3,417 |
| Average total loans | $180,268,800 | 2,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 1,337 |
| Cost of funding earning assets | 1.8565% | 1,180 |
| Net interest margin | 3.9641% | 3,269 |
| Noninterest income to average assets | 0.7262% | 2,668 |
| Noninterest expense to average assets | 3.2513% | 2,733 |
| Loan and lease loss provision to assets | 0.1292% | 5,736 |
| Net operating income to assets | 0.7065% | 3,380 |
| Return on assets (ROA) | 0.7065% | 3,532 |
| Pretax return on assets | 1.0857% | 2,871 |
| Return on Equity (ROE) | 8.0209% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.1164% | 2,903 |
| Net charge-offs to loans | 0.0324% | 6,236 |
| Credit loss provision to net charge-offs | 458.1395% | 656 |
| Earnings coverage of net charge-offs (x) | 43.0712% | 646 |
| Efficiency ratio | 72.7967% | 3,557 |
| Assets per employee ($millions) | 4.2541% | 3,346 |
| Cash dividends to net income (ytd only)* | 36.2120% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,364 |
| Loan loss allowance to noncurrent loans | 45.5068% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.8579% | 1,832 |
| Noncurrent loans to loans | 2.2124% | 3,430 |
| Net loans and leases to total assets | 86.0615% | 197 |
| Net loans and leases to deposits | 94.7322% | 1,120 |
| Net loans and leases to core deposits | 195.3577% | 91 |
| Total domestic deposits to total assets | 90.8472% | 502 |
| Equity capital to assets | 8.4472% | 6,338 |
| Core capital (leverage) ratio | 8.8197% | 4,970 |
| Tier 1 risk-based capital ratio | 11.0953% | 6,287 |
| Total risk-based capital ratio | 12.2516% | 6,364 |
| Memoranda: | ||
| Average total assets | $203,239,500 | 3,100 |
| Average earning assets | $191,748,750 | 3,015 |
| Average equity | $17,902,750 | 3,482 |
| Average total loans | $177,077,000 | 2,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 1,327 |
| Cost of funding earning assets | 1.9219% | 1,147 |
| Net interest margin | 3.9155% | 3,375 |
| Noninterest income to average assets | 0.7138% | 2,627 |
| Noninterest expense to average assets | 3.2215% | 2,829 |
| Loan and lease loss provision to assets | 0.0755% | 6,190 |
| Net operating income to assets | 0.7279% | 3,280 |
| Return on assets (ROA) | 0.7279% | 3,438 |
| Pretax return on assets | 1.1024% | 2,779 |
| Return on Equity (ROE) | 8.1413% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.2452% | 3,377 |
| Net charge-offs to loans | 0.0496% | 5,692 |
| Credit loss provision to net charge-offs | 174.4186% | 2,244 |
| Earnings coverage of net charge-offs (x) | 27.2093% | 984 |
| Efficiency ratio | 73.2265% | 3,616 |
| Assets per employee ($millions) | 4.1796% | 3,426 |
| Cash dividends to net income (ytd only)* | 47.8562% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,371 |
| Loan loss allowance to noncurrent loans | 25.4220% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 5.2057% | 1,217 |
| Noncurrent loans to loans | 3.9590% | 1,929 |
| Net loans and leases to total assets | 83.6359% | 382 |
| Net loans and leases to deposits | 92.2012% | 1,495 |
| Net loans and leases to core deposits | 182.4868% | 115 |
| Total domestic deposits to total assets | 90.7102% | 598 |
| Equity capital to assets | 8.6213% | 5,985 |
| Core capital (leverage) ratio | 9.0399% | 4,546 |
| Tier 1 risk-based capital ratio | 11.3135% | 5,930 |
| Total risk-based capital ratio | 12.4358% | 6,049 |
| Memoranda: | ||
| Average total assets | $198,666,000 | 3,185 |
| Average earning assets | $187,000,000 | 3,103 |
| Average equity | $17,761,330 | 3,498 |
| Average total loans | $173,230,000 | 2,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9542% | 1,067 |
| Cost of funding earning assets | 1.9906% | 1,122 |
| Net interest margin | 3.9636% | 3,032 |
| Noninterest income to average assets | 0.7214% | 2,456 |
| Noninterest expense to average assets | 3.3177% | 2,472 |
| Loan and lease loss provision to assets | 0.1385% | 5,169 |
| Net operating income to assets | 0.6305% | 3,756 |
| Return on assets (ROA) | 0.6305% | 3,883 |
| Pretax return on assets | 0.9860% | 3,142 |
| Return on Equity (ROE) | 6.9186% | 3,389 |
| Retained earnings to average equity (ytd only) | -0.2949% | 5,897 |
| Net charge-offs to loans | 0.1072% | 4,354 |
| Credit loss provision to net charge-offs | 145.6522% | 2,439 |
| Earnings coverage of net charge-offs (x) | 11.8261% | 1,617 |
| Efficiency ratio | 74.6859% | 3,454 |
| Assets per employee ($millions) | 3.9420% | 4,011 |
| Cash dividends to net income (ytd only)* | 104.2623% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,347 |
| Loan loss allowance to noncurrent loans | 20.1713% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 6.2679% | 931 |
| Noncurrent loans to loans | 5.0742% | 1,415 |
| Net loans and leases to total assets | 88.4105% | 112 |
| Net loans and leases to deposits | 98.5771% | 858 |
| Net loans and leases to core deposits | 185.1608% | 121 |
| Total domestic deposits to total assets | 89.6867% | 1,142 |
| Equity capital to assets | 9.1257% | 5,096 |
| Core capital (leverage) ratio | 8.8012% | 4,852 |
| Tier 1 risk-based capital ratio | 11.6149% | 5,562 |
| Total risk-based capital ratio | 12.7855% | 5,615 |
| Memoranda: | ||
| Average total assets | $193,508,000 | 3,314 |
| Average earning assets | $181,652,000 | 3,237 |
| Average equity | $17,633,500 | 3,546 |
| Average total loans | $171,564,500 | 2,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0883% | 1,551 |
| Cost of funding earning assets | 2.2416% | 1,863 |
| Net interest margin | 3.8467% | 3,502 |
| Noninterest income to average assets | 0.7131% | 2,880 |
| Noninterest expense to average assets | 3.3011% | 3,004 |
| Loan and lease loss provision to assets | 0.2862% | 5,138 |
| Net operating income to assets | 0.4258% | 4,023 |
| Return on assets (ROA) | 0.4258% | 4,132 |
| Pretax return on assets | 0.6862% | 3,620 |
| Return on Equity (ROE) | 5.0597% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.1409% | 2,318 |
| Net charge-offs to loans | 0.2082% | 5,326 |
| Credit loss provision to net charge-offs | 159.1045% | 2,814 |
| Earnings coverage of net charge-offs (x) | 5.4060% | 2,610 |
| Efficiency ratio | 77.2459% | 3,321 |
| Assets per employee ($millions) | 3.9563% | 3,905 |
| Cash dividends to net income (ytd only)* | 18.1589% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,255 |
| Loan loss allowance to noncurrent loans | 24.6678% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 5.4267% | 1,084 |
| Noncurrent loans to loans | 4.1468% | 1,766 |
| Net loans and leases to total assets | 87.0978% | 216 |
| Net loans and leases to deposits | 96.5612% | 1,262 |
| Net loans and leases to core deposits | 103.7903% | 3,593 |
| Total domestic deposits to total assets | 90.1995% | 884 |
| Equity capital to assets | 9.0994% | 4,988 |
| Core capital (leverage) ratio | 9.2639% | 4,032 |
| Tier 1 risk-based capital ratio | 11.6674% | 5,231 |
| Total risk-based capital ratio | 12.8284% | 5,272 |
| Memoranda: | ||
| Average total assets | $186,242,000 | 3,334 |
| Average earning assets | $172,380,600 | 3,316 |
| Average equity | $15,672,800 | 3,932 |
| Average total loans | $160,924,000 | 2,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0752% | 1,743 |
| Cost of funding earning assets | 2.3291% | 1,879 |
| Net interest margin | 3.7461% | 3,883 |
| Noninterest income to average assets | 0.7197% | 2,886 |
| Noninterest expense to average assets | 3.3069% | 2,892 |
| Loan and lease loss provision to assets | 0.2994% | 4,572 |
| Net operating income to assets | 0.3479% | 4,607 |
| Return on assets (ROA) | 0.3479% | 4,705 |
| Pretax return on assets | 0.5707% | 4,296 |
| Return on Equity (ROE) | 4.2245% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.6536% | 3,244 |
| Net charge-offs to loans | 0.2086% | 4,732 |
| Credit loss provision to net charge-offs | 166.9355% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.8508% | 2,993 |
| Efficiency ratio | 79.1688% | 2,970 |
| Assets per employee ($millions) | 3.9336% | 3,863 |
| Cash dividends to net income (ytd only)* | 13.5128% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 6,155 |
| Loan loss allowance to noncurrent loans | 24.6085% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 5.6262% | 999 |
| Noncurrent loans to loans | 4.1527% | 1,749 |
| Net loans and leases to total assets | 87.8726% | 213 |
| Net loans and leases to deposits | 97.7097% | 1,356 |
| Net loans and leases to core deposits | 104.4996% | 3,875 |
| Total domestic deposits to total assets | 89.9323% | 789 |
| Equity capital to assets | 9.2192% | 5,137 |
| Core capital (leverage) ratio | 9.5035% | 3,904 |
| Tier 1 risk-based capital ratio | 11.8354% | 5,120 |
| Total risk-based capital ratio | 13.0071% | 5,139 |
| Memoranda: | ||
| Average total assets | $184,338,000 | 3,399 |
| Average earning assets | $170,130,250 | 3,371 |
| Average equity | $15,181,000 | 4,063 |
| Average total loans | $158,507,250 | 2,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1075% | 1,767 |
| Cost of funding earning assets | 2.4492% | 1,778 |
| Net interest margin | 3.6583% | 4,127 |
| Noninterest income to average assets | 0.6213% | 3,533 |
| Noninterest expense to average assets | 3.3602% | 2,754 |
| Loan and lease loss provision to assets | 0.1192% | 5,937 |
| Net operating income to assets | 0.3128% | 4,834 |
| Return on assets (ROA) | 0.3128% | 4,950 |
| Pretax return on assets | 0.5207% | 4,552 |
| Return on Equity (ROE) | 3.9615% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.5875% | 3,304 |
| Net charge-offs to loans | 0.2135% | 4,176 |
| Credit loss provision to net charge-offs | 65.6627% | 5,495 |
| Earnings coverage of net charge-offs (x) | 3.5241% | 3,411 |
| Efficiency ratio | 84.0033% | 2,471 |
| Assets per employee ($millions) | 3.6864% | 4,361 |
| Cash dividends to net income (ytd only)* | 9.4406% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,549 |
| Loan loss allowance to noncurrent loans | 20.6686% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 5.7438% | 858 |
| Noncurrent loans to loans | 4.6011% | 1,388 |
| Net loans and leases to total assets | 84.1965% | 608 |
| Net loans and leases to deposits | 93.8078% | 2,117 |
| Net loans and leases to core deposits | 101.1576% | 4,383 |
| Total domestic deposits to total assets | 89.7542% | 932 |
| Equity capital to assets | 9.3587% | 4,795 |
| Core capital (leverage) ratio | 9.6141% | 3,745 |
| Tier 1 risk-based capital ratio | 12.2305% | 4,732 |
| Total risk-based capital ratio | 13.2933% | 4,801 |
| Memoranda: | ||
| Average total assets | $182,846,670 | 3,442 |
| Average earning assets | $168,874,330 | 3,414 |
| Average equity | $14,439,000 | 4,210 |
| Average total loans | $155,467,330 | 2,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1177% | 1,880 |
| Cost of funding earning assets | 2.6358% | 1,464 |
| Net interest margin | 3.4819% | 4,800 |
| Noninterest income to average assets | 0.5667% | 3,779 |
| Noninterest expense to average assets | 3.2354% | 2,840 |
| Loan and lease loss provision to assets | 0.2153% | 4,293 |
| Net operating income to assets | 0.1867% | 5,694 |
| Return on assets (ROA) | 0.1867% | 5,868 |
| Pretax return on assets | 0.3251% | 5,605 |
| Return on Equity (ROE) | 2.6087% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.6087% | 4,433 |
| Net charge-offs to loans | 0.4288% | 2,387 |
| Credit loss provision to net charge-offs | 59.0361% | 4,534 |
| Earnings coverage of net charge-offs (x) | 1.4819% | 3,997 |
| Efficiency ratio | 85.6894% | 2,110 |
| Assets per employee ($millions) | 3.8108% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,399 |
| Loan loss allowance to noncurrent loans | 16.1058% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 7.1856% | 462 |
| Noncurrent loans to loans | 5.9913% | 806 |
| Net loans and leases to total assets | 84.7489% | 586 |
| Net loans and leases to deposits | 92.0923% | 2,583 |
| Net loans and leases to core deposits | 99.6462% | 4,577 |
| Total domestic deposits to total assets | 92.0260% | 183 |
| Equity capital to assets | 7.3006% | 7,492 |
| Core capital (leverage) ratio | 7.3321% | 7,343 |
| Tier 1 risk-based capital ratio | 9.3508% | 7,548 |
| Total risk-based capital ratio | 10.4169% | 7,693 |
| Memoranda: | ||
| Average total assets | $182,110,000 | 3,474 |
| Average earning assets | $167,841,500 | 3,453 |
| Average equity | $13,033,500 | 4,571 |
| Average total loans | $154,860,500 | 2,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9953% | 1,141 |
| Cost of funding earning assets | 3.3373% | 838 |
| Net interest margin | 3.6580% | 4,647 |
| Noninterest income to average assets | 0.7335% | 2,883 |
| Noninterest expense to average assets | 3.1285% | 3,592 |
| Loan and lease loss provision to assets | 0.6502% | 2,239 |
| Net operating income to assets | 0.1805% | 5,906 |
| Return on assets (ROA) | 0.1805% | 5,745 |
| Pretax return on assets | 0.3269% | 5,454 |
| Return on Equity (ROE) | 2.4386% | 5,446 |
| Retained earnings to average equity (ytd only) | 0.7778% | 4,757 |
| Net charge-offs to loans | 0.3249% | 3,228 |
| Credit loss provision to net charge-offs | 226.3048% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.4008% | 4,385 |
| Efficiency ratio | 76.2016% | 3,208 |
| Assets per employee ($millions) | 3.9386% | 3,637 |
| Cash dividends to net income (ytd only)* | 68.1063% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 6,152 |
| Loan loss allowance to noncurrent loans | 18.6746% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 6.6365% | 413 |
| Noncurrent loans to loans | 5.2950% | 798 |
| Net loans and leases to total assets | 83.6807% | 938 |
| Net loans and leases to deposits | 91.1908% | 3,262 |
| Net loans and leases to core deposits | 99.6090% | 4,861 |
| Total domestic deposits to total assets | 91.7644% | 166 |
| Equity capital to assets | 7.0179% | 7,726 |
| Core capital (leverage) ratio | 7.2788% | 7,439 |
| Tier 1 risk-based capital ratio | 8.9674% | 7,807 |
| Total risk-based capital ratio | 10.0438% | 7,974 |
| Memoranda: | ||
| Average total assets | $166,724,200 | 3,603 |
| Average earning assets | $153,689,000 | 3,589 |
| Average equity | $12,343,000 | 4,742 |
| Average total loans | $147,424,400 | 2,971 |