Home > Farmers and Merchants State Bank, Bloomfield, Nebraska > Performance and Condition Ratios
Farmers and Merchants State Bank, Bloomfield, Nebraska, 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 | 5.6549% | 1,761 |
| Cost of funding earning assets | 1.8174% | 2,408 |
| Net interest margin | 3.8376% | 1,609 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 1.9404% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5907% | 921 |
| Return on assets (ROA) | 1.5828% | 929 |
| Pretax return on assets | 1.9986% | 701 |
| Return on Equity (ROE) | 16.4600% | 830 |
| Retained earnings to average equity (ytd only) | 16.4617% | 310 |
| Net charge-offs to loans | -0.0087% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.1353% | 3,948 |
| Assets per employee ($millions) | 8.2247% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,331.6667% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,266 |
| Noncurrent loans to loans | 0.0891% | 3,218 |
| Net loans and leases to total assets | 64.7200% | 2,422 |
| Net loans and leases to deposits | 72.0412% | 2,734 |
| Net loans and leases to core deposits | 88.2432% | 2,165 |
| Total domestic deposits to total assets | 89.8400% | 866 |
| Equity capital to assets | 9.5371% | 2,539 |
| Core capital (leverage) ratio | 9.6208% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0069% | 1,268 |
| Memoranda: | ||
| Average total assets | $199,139,000 | 3,019 |
| Average earning assets | $189,286,000 | 2,983 |
| Average equity | $19,147,500 | 3,061 |
| Average total loans | $137,487,000 | 2,872 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7318% | 1,698 |
| Cost of funding earning assets | 1.6511% | 3,060 |
| Net interest margin | 4.0807% | 1,075 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.0715% | 3,442 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.5857% | 789 |
| Return on assets (ROA) | 1.5783% | 798 |
| Pretax return on assets | 1.9918% | 610 |
| Return on Equity (ROE) | 12.9100% | 1,376 |
| Retained earnings to average equity (ytd only) | -33.6472% | 4,492 |
| Net charge-offs to loans | 0.0363% | 1,848 |
| Credit loss provision to net charge-offs | 153.0612% | 1,393 |
| Earnings coverage of net charge-offs (x) | 80.4490% | 929 |
| Efficiency ratio | 50.3839% | 3,970 |
| Assets per employee ($millions) | 7.7064% | 1,703 |
| Cash dividends to net income (ytd only)* | 360.5902% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,497 |
| Loan loss allowance to noncurrent loans | 2,380.5970% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,428 |
| Noncurrent loans to loans | 0.0478% | 3,410 |
| Net loans and leases to total assets | 71.9900% | 1,671 |
| Net loans and leases to deposits | 80.5277% | 2,088 |
| Net loans and leases to core deposits | 99.3034% | 1,488 |
| Total domestic deposits to total assets | 89.4000% | 1,022 |
| Equity capital to assets | 9.6984% | 2,307 |
| Core capital (leverage) ratio | 9.9378% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8521% | 1,555 |
| Memoranda: | ||
| Average total assets | $193,241,200 | 3,041 |
| Average earning assets | $182,420,000 | 3,012 |
| Average equity | $23,621,600 | 2,719 |
| Average total loans | $135,112,200 | 2,866 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6928% | 1,728 |
| Cost of funding earning assets | 1.5968% | 3,177 |
| Net interest margin | 4.0960% | 1,021 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.0442% | 3,456 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.6431% | 761 |
| Return on assets (ROA) | 1.6305% | 780 |
| Pretax return on assets | 2.0580% | 583 |
| Return on Equity (ROE) | 12.6900% | 1,442 |
| Retained earnings to average equity (ytd only) | -46.3087% | 4,527 |
| Net charge-offs to loans | 0.0418% | 1,519 |
| Credit loss provision to net charge-offs | 83.3333% | 1,819 |
| Earnings coverage of net charge-offs (x) | 72.4524% | 983 |
| Efficiency ratio | 49.3509% | 4,019 |
| Assets per employee ($millions) | 7.3359% | 1,915 |
| Cash dividends to net income (ytd only)* | 465.0317% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,462 |
| Loan loss allowance to noncurrent loans | 482.0988% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,580 |
| Noncurrent loans to loans | 0.2395% | 2,575 |
| Net loans and leases to total assets | 72.9200% | 1,493 |
| Net loans and leases to deposits | 82.0712% | 1,977 |
| Net loans and leases to core deposits | 101.9088% | 1,371 |
| Total domestic deposits to total assets | 88.8500% | 958 |
| Equity capital to assets | 9.9979% | 2,298 |
| Core capital (leverage) ratio | 9.1758% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0510% | 1,520 |
| Memoranda: | ||
| Average total assets | $193,386,250 | 3,036 |
| Average earning assets | $182,612,000 | 3,015 |
| Average equity | $24,855,750 | 2,630 |
| Average total loans | $133,815,250 | 2,877 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 2,096 |
| Cost of funding earning assets | 1.5241% | 3,240 |
| Net interest margin | 3.9064% | 1,264 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.0232% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5408% | 855 |
| Return on assets (ROA) | 1.5352% | 871 |
| Pretax return on assets | 1.9378% | 703 |
| Return on Equity (ROE) | 11.1700% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.1732% | 667 |
| Net charge-offs to loans | -0.0060% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.9864% | 3,958 |
| Assets per employee ($millions) | 8.5210% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,318 |
| Loan loss allowance to noncurrent loans | 3,146.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,569 |
| Noncurrent loans to loans | 0.0377% | 3,511 |
| Net loans and leases to total assets | 64.0900% | 2,551 |
| Net loans and leases to deposits | 74.7828% | 2,636 |
| Net loans and leases to core deposits | 90.8633% | 2,090 |
| Total domestic deposits to total assets | 85.7100% | 2,072 |
| Equity capital to assets | 13.6419% | 744 |
| Core capital (leverage) ratio | 14.0195% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5299% | 500 |
| Memoranda: | ||
| Average total assets | $196,715,667 | 3,025 |
| Average earning assets | $185,284,667 | 2,994 |
| Average equity | $27,029,000 | 2,481 |
| Average total loans | $133,319,667 | 2,877 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 2,421 |
| Cost of funding earning assets | 1.4887% | 3,212 |
| Net interest margin | 3.7018% | 1,530 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.1595% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2974% | 1,240 |
| Return on assets (ROA) | 1.3007% | 1,240 |
| Pretax return on assets | 1.6409% | 1,032 |
| Return on Equity (ROE) | 9.4300% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.4305% | 1,223 |
| Net charge-offs to loans | -0.0150% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.8852% | 3,535 |
| Assets per employee ($millions) | 8.4283% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,306 |
| Loan loss allowance to noncurrent loans | 4,918.7500% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,662 |
| Noncurrent loans to loans | 0.0243% | 3,607 |
| Net loans and leases to total assets | 67.0800% | 2,111 |
| Net loans and leases to deposits | 78.4027% | 2,201 |
| Net loans and leases to core deposits | 95.5626% | 1,673 |
| Total domestic deposits to total assets | 85.5600% | 2,237 |
| Equity capital to assets | 13.9004% | 687 |
| Core capital (leverage) ratio | 13.9474% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2457% | 529 |
| Memoranda: | ||
| Average total assets | $192,822,000 | 3,047 |
| Average earning assets | $181,641,000 | 3,024 |
| Average equity | $26,594,500 | 2,510 |
| Average total loans | $133,656,000 | 2,867 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 2,834 |
| Cost of funding earning assets | 1.0917% | 3,089 |
| Net interest margin | 3.5364% | 2,102 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.8524% | 3,916 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3409% | 1,346 |
| Return on assets (ROA) | 1.3275% | 1,341 |
| Pretax return on assets | 1.6754% | 1,110 |
| Return on Equity (ROE) | 10.5900% | 2,339 |
| Retained earnings to average equity (ytd only) | 10.5915% | 881 |
| Net charge-offs to loans | 0.0008% | 2,857 |
| Credit loss provision to net charge-offs | 14,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 3,448.0000% | 34 |
| Efficiency ratio | 51.2237% | 3,889 |
| Assets per employee ($millions) | 8.3388% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 2,520 |
| Loan loss allowance to noncurrent loans | 8,257.8947% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,714 |
| Noncurrent loans to loans | 0.0140% | 3,650 |
| Net loans and leases to total assets | 69.9400% | 1,814 |
| Net loans and leases to deposits | 82.8224% | 1,884 |
| Net loans and leases to core deposits | 100.0477% | 1,432 |
| Total domestic deposits to total assets | 84.4400% | 2,492 |
| Equity capital to assets | 13.6830% | 735 |
| Core capital (leverage) ratio | 13.9906% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7613% | 556 |
| Memoranda: | ||
| Average total assets | $195,476,600 | 3,013 |
| Average earning assets | $184,399,000 | 2,976 |
| Average equity | $24,500,800 | 2,548 |
| Average total loans | $128,742,600 | 2,863 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 2,949 |
| Cost of funding earning assets | 1.0267% | 2,961 |
| Net interest margin | 3.4522% | 2,330 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.8194% | 3,940 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3410% | 1,442 |
| Return on assets (ROA) | 1.3136% | 1,501 |
| Pretax return on assets | 1.6578% | 1,245 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.7206% | 1,208 |
| Net charge-offs to loans | 0.0021% | 2,486 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 1,269.0000% | 126 |
| Efficiency ratio | 51.3607% | 3,804 |
| Assets per employee ($millions) | 9.4537% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,764 |
| Loan loss allowance to noncurrent loans | 2,301.5625% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,461 |
| Noncurrent loans to loans | 0.0486% | 3,407 |
| Net loans and leases to total assets | 68.8000% | 1,967 |
| Net loans and leases to deposits | 81.9087% | 1,906 |
| Net loans and leases to core deposits | 95.2649% | 1,596 |
| Total domestic deposits to total assets | 84.0000% | 2,773 |
| Equity capital to assets | 13.3578% | 750 |
| Core capital (leverage) ratio | 13.1653% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9469% | 556 |
| Memoranda: | ||
| Average total assets | $196,397,500 | 3,018 |
| Average earning assets | $185,305,750 | 2,987 |
| Average equity | $24,065,250 | 2,561 |
| Average total loans | $127,002,250 | 2,883 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 3,256 |
| Cost of funding earning assets | 0.9292% | 2,834 |
| Net interest margin | 3.2908% | 2,774 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.8326% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2351% | 1,733 |
| Return on assets (ROA) | 1.2462% | 1,699 |
| Pretax return on assets | 1.5721% | 1,463 |
| Return on Equity (ROE) | 10.4700% | 2,567 |
| Retained earnings to average equity (ytd only) | 10.4697% | 1,287 |
| Net charge-offs to loans | 0.0032% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 774.5000% | 191 |
| Efficiency ratio | 54.0492% | 3,604 |
| Assets per employee ($millions) | 9.7610% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,750 |
| Loan loss allowance to noncurrent loans | 1,762.9630% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,359 |
| Noncurrent loans to loans | 0.0647% | 3,242 |
| Net loans and leases to total assets | 63.3900% | 2,442 |
| Net loans and leases to deposits | 73.9366% | 2,501 |
| Net loans and leases to core deposits | 84.8849% | 2,150 |
| Total domestic deposits to total assets | 85.7400% | 2,318 |
| Equity capital to assets | 12.4522% | 941 |
| Core capital (leverage) ratio | 12.8438% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7449% | 501 |
| Memoranda: | ||
| Average total assets | $198,839,000 | 3,011 |
| Average earning assets | $187,251,667 | 2,981 |
| Average equity | $23,668,333 | 2,589 |
| Average total loans | $125,482,333 | 2,893 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 3,673 |
| Cost of funding earning assets | 0.8415% | 2,566 |
| Net interest margin | 3.0585% | 3,442 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8759% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0165% | 2,481 |
| Return on assets (ROA) | 1.0307% | 2,404 |
| Pretax return on assets | 1.2998% | 2,171 |
| Return on Equity (ROE) | 8.8600% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.8573% | 1,991 |
| Net charge-offs to loans | 0.0032% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 643.0000% | 178 |
| Efficiency ratio | 59.4066% | 3,036 |
| Assets per employee ($millions) | 9.9831% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,752 |
| Loan loss allowance to noncurrent loans | 4,330.3030% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,661 |
| Noncurrent loans to loans | 0.0269% | 3,575 |
| Net loans and leases to total assets | 60.8200% | 2,571 |
| Net loans and leases to deposits | 69.3908% | 2,663 |
| Net loans and leases to core deposits | 78.5678% | 2,350 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 11.8941% | 1,031 |
| Core capital (leverage) ratio | 12.2958% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4240% | 544 |
| Memoranda: | ||
| Average total assets | $200,649,000 | 3,035 |
| Average earning assets | $187,283,000 | 3,015 |
| Average equity | $23,348,000 | 2,634 |
| Average total loans | $125,630,500 | 2,926 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3454% | 3,483 |
| Cost of funding earning assets | 0.2914% | 2,951 |
| Net interest margin | 3.0540% | 3,304 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.6188% | 4,284 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9748% | 2,655 |
| Return on assets (ROA) | 0.9728% | 2,608 |
| Pretax return on assets | 1.2266% | 2,351 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.4004% | 1,680 |
| Net charge-offs to loans | 0.0196% | 1,702 |
| Credit loss provision to net charge-offs | 1,559.0909% | 312 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 878 |
| Efficiency ratio | 53.4892% | 3,835 |
| Assets per employee ($millions) | 9.6017% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,829 |
| Loan loss allowance to noncurrent loans | 2,648.1481% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,552 |
| Noncurrent loans to loans | 0.0421% | 3,465 |
| Net loans and leases to total assets | 62.9600% | 2,336 |
| Net loans and leases to deposits | 75.4254% | 2,139 |
| Net loans and leases to core deposits | 85.2629% | 1,802 |
| Total domestic deposits to total assets | 83.4800% | 3,315 |
| Equity capital to assets | 11.3809% | 1,119 |
| Core capital (leverage) ratio | 12.3683% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9941% | 629 |
| Memoranda: | ||
| Average total assets | $192,235,600 | 3,086 |
| Average earning assets | $172,623,600 | 3,128 |
| Average equity | $22,260,800 | 2,750 |
| Average total loans | $112,191,000 | 3,003 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 3,561 |
| Cost of funding earning assets | 0.2862% | 2,320 |
| Net interest margin | 2.8619% | 3,593 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.5883% | 4,313 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.8638% | 3,023 |
| Return on assets (ROA) | 0.8566% | 3,017 |
| Pretax return on assets | 1.0806% | 2,775 |
| Return on Equity (ROE) | 7.3600% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.3640% | 2,244 |
| Net charge-offs to loans | 0.0086% | 1,814 |
| Credit loss provision to net charge-offs | 3,471.4286% | 162 |
| Earnings coverage of net charge-offs (x) | 256.4286% | 527 |
| Efficiency ratio | 55.7555% | 3,643 |
| Assets per employee ($millions) | 9.1980% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,963 |
| Loan loss allowance to noncurrent loans | 1,245.3704% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,334 |
| Noncurrent loans to loans | 0.0893% | 3,241 |
| Net loans and leases to total assets | 61.9500% | 2,298 |
| Net loans and leases to deposits | 70.3679% | 2,332 |
| Net loans and leases to core deposits | 78.9025% | 1,979 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 11.5103% | 1,010 |
| Core capital (leverage) ratio | 11.7241% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2853% | 1,345 |
| Memoranda: | ||
| Average total assets | $189,885,500 | 3,127 |
| Average earning assets | $169,113,750 | 3,186 |
| Average equity | $22,089,000 | 2,812 |
| Average total loans | $108,141,500 | 3,060 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8724% | 3,847 |
| Cost of funding earning assets | 0.2846% | 1,853 |
| Net interest margin | 2.5878% | 3,933 |
| Noninterest income to average assets | 0.3051% | 3,337 |
| Noninterest expense to average assets | 1.4481% | 4,474 |
| Loan and lease loss provision to assets | 0.1801% | 487 |
| Net operating income to assets | 0.7533% | 3,131 |
| Return on assets (ROA) | 0.7415% | 3,130 |
| Pretax return on assets | 0.9354% | 2,948 |
| Return on Equity (ROE) | 6.3518% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.3518% | 2,220 |
| Net charge-offs to loans | 0.0154% | 1,448 |
| Credit loss provision to net charge-offs | 2,125.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 133.3750% | 697 |
| Efficiency ratio | 56.1627% | 3,756 |
| Assets per employee ($millions) | 9.9620% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,163 |
| Loan loss allowance to noncurrent loans | 1,134.8214% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,420 |
| Noncurrent loans to loans | 0.0969% | 3,280 |
| Net loans and leases to total assets | 57.3509% | 2,593 |
| Net loans and leases to deposits | 64.7656% | 2,662 |
| Net loans and leases to core deposits | 72.4684% | 2,290 |
| Total domestic deposits to total assets | 88.5515% | 2,357 |
| Equity capital to assets | 11.1223% | 1,159 |
| Core capital (leverage) ratio | 11.5781% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1018% | 2,014 |
| Memoranda: | ||
| Average total assets | $188,795,000 | 3,171 |
| Average earning assets | $165,855,333 | 3,262 |
| Average equity | $22,041,000 | 2,887 |
| Average total loans | $103,853,000 | 3,136 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 3,908 |
| Cost of funding earning assets | 0.2849% | 1,775 |
| Net interest margin | 2.4330% | 4,012 |
| Noninterest income to average assets | 0.2920% | 3,376 |
| Noninterest expense to average assets | 1.5209% | 4,396 |
| Loan and lease loss provision to assets | 0.1525% | 517 |
| Net operating income to assets | 0.5725% | 3,488 |
| Return on assets (ROA) | 0.5622% | 3,492 |
| Pretax return on assets | 0.7082% | 3,372 |
| Return on Equity (ROE) | 4.6949% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.6949% | 2,708 |
| Net charge-offs to loans | 0.0326% | 978 |
| Credit loss provision to net charge-offs | 875.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 50.1250% | 927 |
| Efficiency ratio | 63.5123% | 3,084 |
| Assets per employee ($millions) | 9.9326% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,846 |
| Loan loss allowance to noncurrent loans | 1,045.5357% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,462 |
| Noncurrent loans to loans | 0.1151% | 3,251 |
| Net loans and leases to total assets | 50.9596% | 3,073 |
| Net loans and leases to deposits | 57.8754% | 3,089 |
| Net loans and leases to core deposits | 65.3704% | 2,682 |
| Total domestic deposits to total assets | 88.0506% | 2,497 |
| Equity capital to assets | 11.6326% | 1,079 |
| Core capital (leverage) ratio | 12.0057% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7760% | 1,316 |
| Memoranda: | ||
| Average total assets | $183,572,500 | 3,220 |
| Average earning assets | $158,653,000 | 3,342 |
| Average equity | $21,981,500 | 2,994 |
| Average total loans | $98,011,000 | 3,214 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 1,531 |
| Cost of funding earning assets | 0.2885% | 2,520 |
| Net interest margin | 3.6455% | 1,351 |
| Noninterest income to average assets | 0.3240% | 3,466 |
| Noninterest expense to average assets | 1.8210% | 4,106 |
| Loan and lease loss provision to assets | 0.0352% | 2,350 |
| Net operating income to assets | 1.2897% | 1,628 |
| Return on assets (ROA) | 1.3013% | 1,640 |
| Pretax return on assets | 1.6434% | 1,299 |
| Return on Equity (ROE) | 10.5589% | 2,320 |
| Retained earnings to average equity (ytd only) | 10.5589% | 789 |
| Net charge-offs to loans | 0.0464% | 1,359 |
| Credit loss provision to net charge-offs | 133.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 63.1111% | 1,142 |
| Efficiency ratio | 52.2529% | 4,092 |
| Assets per employee ($millions) | 8.1102% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,260 |
| Loan loss allowance to noncurrent loans | 1,218.6813% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,629 |
| Noncurrent loans to loans | 0.0922% | 3,461 |
| Net loans and leases to total assets | 54.6846% | 2,770 |
| Net loans and leases to deposits | 62.7345% | 2,803 |
| Net loans and leases to core deposits | 71.2015% | 2,332 |
| Total domestic deposits to total assets | 87.1683% | 2,444 |
| Equity capital to assets | 12.3357% | 1,115 |
| Core capital (leverage) ratio | 12.4202% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2719% | 1,441 |
| Memoranda: | ||
| Average total assets | $170,678,000 | 3,294 |
| Average earning assets | $147,989,600 | 3,394 |
| Average equity | $21,034,400 | 3,131 |
| Average total loans | $96,984,400 | 3,238 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 988 |
| Cost of funding earning assets | 0.2880% | 2,708 |
| Net interest margin | 3.9865% | 815 |
| Noninterest income to average assets | 0.3366% | 3,421 |
| Noninterest expense to average assets | 1.8363% | 4,092 |
| Loan and lease loss provision to assets | 0.0474% | 2,050 |
| Net operating income to assets | 1.5118% | 1,242 |
| Return on assets (ROA) | 1.5218% | 1,265 |
| Pretax return on assets | 1.9216% | 910 |
| Return on Equity (ROE) | 12.3515% | 1,916 |
| Retained earnings to average equity (ytd only) | 12.3515% | 760 |
| Net charge-offs to loans | 0.0539% | 1,116 |
| Credit loss provision to net charge-offs | 153.8462% | 1,344 |
| Earnings coverage of net charge-offs (x) | 63.4872% | 1,110 |
| Efficiency ratio | 48.4167% | 4,336 |
| Assets per employee ($millions) | 7.1976% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,959 |
| Loan loss allowance to noncurrent loans | 622.9050% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,413 |
| Noncurrent loans to loans | 0.1937% | 3,171 |
| Net loans and leases to total assets | 52.8380% | 3,104 |
| Net loans and leases to deposits | 60.8672% | 3,151 |
| Net loans and leases to core deposits | 67.8814% | 2,788 |
| Total domestic deposits to total assets | 86.8087% | 2,426 |
| Equity capital to assets | 12.6321% | 1,116 |
| Core capital (leverage) ratio | 12.6754% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5611% | 1,035 |
| Memoranda: | ||
| Average total assets | $168,741,250 | 3,347 |
| Average earning assets | $146,291,750 | 3,445 |
| Average equity | $20,790,500 | 3,183 |
| Average total loans | $96,560,500 | 3,284 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 1,771 |
| Cost of funding earning assets | 0.2922% | 2,851 |
| Net interest margin | 3.6267% | 1,527 |
| Noninterest income to average assets | 0.3178% | 3,522 |
| Noninterest expense to average assets | 1.9581% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1913% | 2,218 |
| Return on assets (ROA) | 1.2054% | 2,243 |
| Pretax return on assets | 1.5208% | 1,958 |
| Return on Equity (ROE) | 9.8694% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.8694% | 1,437 |
| Net charge-offs to loans | 0.0143% | 1,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 179.7143% | 530 |
| Efficiency ratio | 56.5758% | 3,464 |
| Assets per employee ($millions) | 7.2585% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,246 |
| Loan loss allowance to noncurrent loans | 184.2373% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,236 |
| Noncurrent loans to loans | 0.6190% | 1,863 |
| Net loans and leases to total assets | 54.0946% | 3,121 |
| Net loans and leases to deposits | 61.8178% | 3,223 |
| Net loans and leases to core deposits | 68.8842% | 2,874 |
| Total domestic deposits to total assets | 87.5066% | 2,090 |
| Equity capital to assets | 12.0198% | 1,352 |
| Core capital (leverage) ratio | 12.2704% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4083% | 1,049 |
| Memoranda: | ||
| Average total assets | $167,407,333 | 3,363 |
| Average earning assets | $145,091,667 | 3,466 |
| Average equity | $20,447,000 | 3,210 |
| Average total loans | $97,951,000 | 3,286 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 3,057 |
| Cost of funding earning assets | 0.2991% | 3,002 |
| Net interest margin | 3.1549% | 2,826 |
| Noninterest income to average assets | 0.3561% | 3,302 |
| Noninterest expense to average assets | 2.0170% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8478% | 3,275 |
| Return on assets (ROA) | 0.8731% | 3,283 |
| Pretax return on assets | 1.0975% | 3,119 |
| Return on Equity (ROE) | 7.0888% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.0888% | 2,551 |
| Net charge-offs to loans | 0.0040% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 215 |
| Efficiency ratio | 65.4272% | 2,311 |
| Assets per employee ($millions) | 7.1794% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,470 |
| Loan loss allowance to noncurrent loans | 764.3357% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,786 |
| Noncurrent loans to loans | 0.1431% | 3,602 |
| Net loans and leases to total assets | 57.3646% | 2,869 |
| Net loans and leases to deposits | 65.4774% | 2,978 |
| Net loans and leases to core deposits | 73.3070% | 2,580 |
| Total domestic deposits to total assets | 87.6098% | 2,043 |
| Equity capital to assets | 11.8139% | 1,382 |
| Core capital (leverage) ratio | 12.5020% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4491% | 1,181 |
| Memoranda: | ||
| Average total assets | $164,009,000 | 3,392 |
| Average earning assets | $141,746,500 | 3,498 |
| Average equity | $20,201,000 | 3,227 |
| Average total loans | $99,265,500 | 3,272 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,333 |
| Cost of funding earning assets | 0.2894% | 4,202 |
| Net interest margin | 3.8411% | 1,392 |
| Noninterest income to average assets | 0.5396% | 2,468 |
| Noninterest expense to average assets | 2.2306% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4435% | 929 |
| Return on assets (ROA) | 1.4407% | 1,018 |
| Pretax return on assets | 1.8157% | 665 |
| Return on Equity (ROE) | 10.5857% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.5857% | 482 |
| Net charge-offs to loans | 0.0302% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 91.1429% | 833 |
| Efficiency ratio | 55.0783% | 4,085 |
| Assets per employee ($millions) | 6.7701% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,417 |
| Loan loss allowance to noncurrent loans | 625.1429% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,731 |
| Noncurrent loans to loans | 0.1775% | 3,576 |
| Net loans and leases to total assets | 62.6165% | 2,528 |
| Net loans and leases to deposits | 72.6792% | 2,620 |
| Net loans and leases to core deposits | 81.0235% | 2,274 |
| Total domestic deposits to total assets | 86.1547% | 2,301 |
| Equity capital to assets | 12.8737% | 1,144 |
| Core capital (leverage) ratio | 13.2998% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9379% | 1,875 |
| Memoranda: | ||
| Average total assets | $140,276,200 | 3,508 |
| Average earning assets | $128,193,800 | 3,531 |
| Average equity | $19,091,800 | 3,273 |
| Average total loans | $92,770,200 | 3,359 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,024 |
| Cost of funding earning assets | 0.3082% | 4,278 |
| Net interest margin | 4.0178% | 1,074 |
| Noninterest income to average assets | 0.4926% | 2,641 |
| Noninterest expense to average assets | 2.2655% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4933% | 922 |
| Return on assets (ROA) | 1.4856% | 1,015 |
| Pretax return on assets | 1.9117% | 614 |
| Return on Equity (ROE) | 10.7494% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.7494% | 618 |
| Net charge-offs to loans | 0.0409% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 70.2143% | 994 |
| Efficiency ratio | 54.1083% | 4,134 |
| Assets per employee ($millions) | 5.9527% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,444 |
| Loan loss allowance to noncurrent loans | 538.9163% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 3,707 |
| Noncurrent loans to loans | 0.2301% | 3,480 |
| Net loans and leases to total assets | 60.9916% | 3,112 |
| Net loans and leases to deposits | 71.6865% | 3,163 |
| Net loans and leases to core deposits | 71.8734% | 3,482 |
| Total domestic deposits to total assets | 85.0809% | 2,404 |
| Equity capital to assets | 13.7277% | 933 |
| Core capital (leverage) ratio | 13.6152% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1305% | 1,786 |
| Memoranda: | ||
| Average total assets | $136,417,000 | 3,547 |
| Average earning assets | $125,440,000 | 3,548 |
| Average equity | $18,853,250 | 3,295 |
| Average total loans | $91,313,750 | 3,395 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,081 |
| Cost of funding earning assets | 0.3212% | 4,393 |
| Net interest margin | 4.1266% | 1,066 |
| Noninterest income to average assets | 0.5690% | 2,257 |
| Noninterest expense to average assets | 2.2924% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6008% | 760 |
| Return on assets (ROA) | 1.5879% | 852 |
| Pretax return on assets | 2.0690% | 481 |
| Return on Equity (ROE) | 11.4622% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.4622% | 539 |
| Net charge-offs to loans | 0.0823% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.8421% | 1,300 |
| Efficiency ratio | 52.3647% | 4,333 |
| Assets per employee ($millions) | 5.6794% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,793 |
| Loan loss allowance to noncurrent loans | 1,052.4272% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,163 |
| Noncurrent loans to loans | 0.1090% | 4,019 |
| Net loans and leases to total assets | 65.8079% | 2,653 |
| Net loans and leases to deposits | 77.2528% | 2,728 |
| Net loans and leases to core deposits | 77.4551% | 3,155 |
| Total domestic deposits to total assets | 85.1852% | 2,319 |
| Equity capital to assets | 13.5358% | 976 |
| Core capital (leverage) ratio | 13.5123% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2668% | 2,080 |
| Memoranda: | ||
| Average total assets | $134,268,000 | 3,551 |
| Average earning assets | $123,927,000 | 3,547 |
| Average equity | $18,600,333 | 3,313 |
| Average total loans | $92,342,000 | 3,366 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,804 |
| Cost of funding earning assets | 0.3242% | 4,582 |
| Net interest margin | 4.0134% | 1,353 |
| Noninterest income to average assets | 0.7699% | 1,394 |
| Noninterest expense to average assets | 2.4385% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6300% | 587 |
| Return on assets (ROA) | 1.5888% | 704 |
| Pretax return on assets | 1.9999% | 447 |
| Return on Equity (ROE) | 11.3280% | 1,315 |
| Retained earnings to average equity (ytd only) | 11.3280% | 514 |
| Net charge-offs to loans | 0.0175% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 167.2500% | 392 |
| Efficiency ratio | 54.3033% | 4,381 |
| Assets per employee ($millions) | 6.0466% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,628 |
| Loan loss allowance to noncurrent loans | 168.3735% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 2,499 |
| Noncurrent loans to loans | 0.7171% | 2,207 |
| Net loans and leases to total assets | 68.7630% | 2,423 |
| Net loans and leases to deposits | 81.1440% | 2,564 |
| Net loans and leases to core deposits | 81.3721% | 3,079 |
| Total domestic deposits to total assets | 84.7420% | 2,516 |
| Equity capital to assets | 14.0545% | 1,038 |
| Core capital (leverage) ratio | 14.1803% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7629% | 1,987 |
| Memoranda: | ||
| Average total assets | $130,409,000 | 3,580 |
| Average earning assets | $120,895,500 | 3,568 |
| Average equity | $18,291,000 | 3,347 |
| Average total loans | $91,252,000 | 3,370 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,961 |
| Cost of funding earning assets | 0.3586% | 4,575 |
| Net interest margin | 4.4688% | 767 |
| Noninterest income to average assets | 0.5514% | 2,468 |
| Noninterest expense to average assets | 2.3828% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7651% | 572 |
| Return on assets (ROA) | 1.7794% | 581 |
| Pretax return on assets | 2.2427% | 351 |
| Return on Equity (ROE) | 14.2130% | 860 |
| Retained earnings to average equity (ytd only) | 14.2130% | 116 |
| Net charge-offs to loans | 0.0100% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 328.1111% | 264 |
| Efficiency ratio | 51.7168% | 4,626 |
| Assets per employee ($millions) | 5.5562% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,183 |
| Loan loss allowance to noncurrent loans | 293.7173% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 3,242 |
| Noncurrent loans to loans | 0.4249% | 2,925 |
| Net loans and leases to total assets | 69.4811% | 2,478 |
| Net loans and leases to deposits | 82.1540% | 2,543 |
| Net loans and leases to core deposits | 82.3941% | 3,088 |
| Total domestic deposits to total assets | 84.5743% | 2,653 |
| Equity capital to assets | 13.9961% | 1,104 |
| Core capital (leverage) ratio | 13.6404% | 1,015 |
| Tier 1 risk-based capital ratio | 14.3116% | 3,112 |
| Total risk-based capital ratio | 15.2147% | 3,190 |
| Memoranda: | ||
| Average total assets | $132,743,200 | 3,528 |
| Average earning assets | $120,480,400 | 3,555 |
| Average equity | $16,618,600 | 3,479 |
| Average total loans | $89,974,800 | 3,398 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 2,057 |
| Cost of funding earning assets | 0.3525% | 4,647 |
| Net interest margin | 4.4685% | 826 |
| Noninterest income to average assets | 0.5304% | 2,559 |
| Noninterest expense to average assets | 2.3187% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7833% | 632 |
| Return on assets (ROA) | 1.8022% | 646 |
| Pretax return on assets | 2.2719% | 393 |
| Return on Equity (ROE) | 14.8120% | 820 |
| Retained earnings to average equity (ytd only) | 14.8120% | 160 |
| Net charge-offs to loans | 0.0104% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 322.8210% | 300 |
| Efficiency ratio | 50.7736% | 4,694 |
| Assets per employee ($millions) | 5.6159% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,539 |
| Loan loss allowance to noncurrent loans | 260.1852% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 3,267 |
| Noncurrent loans to loans | 0.4592% | 2,924 |
| Net loans and leases to total assets | 68.9615% | 2,629 |
| Net loans and leases to deposits | 83.0166% | 2,566 |
| Net loans and leases to core deposits | 83.2500% | 3,159 |
| Total domestic deposits to total assets | 83.0696% | 3,142 |
| Equity capital to assets | 12.8802% | 1,697 |
| Core capital (leverage) ratio | 13.1839% | 1,263 |
| Tier 1 risk-based capital ratio | 12.3584% | 4,219 |
| Total risk-based capital ratio | 13.1646% | 4,346 |
| Memoranda: | ||
| Average total assets | $133,980,750 | 3,552 |
| Average earning assets | $121,023,000 | 3,588 |
| Average equity | $16,301,750 | 3,544 |
| Average total loans | $89,990,000 | 3,440 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,305 |
| Cost of funding earning assets | 0.3590% | 4,659 |
| Net interest margin | 4.3609% | 1,016 |
| Noninterest income to average assets | 0.5983% | 2,163 |
| Noninterest expense to average assets | 2.2944% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7535% | 656 |
| Return on assets (ROA) | 1.7724% | 656 |
| Pretax return on assets | 2.2346% | 416 |
| Return on Equity (ROE) | 14.8599% | 789 |
| Retained earnings to average equity (ytd only) | 14.8599% | 180 |
| Net charge-offs to loans | 0.0158% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 211.1429% | 379 |
| Efficiency ratio | 50.9296% | 4,733 |
| Assets per employee ($millions) | 5.5882% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,155 |
| Loan loss allowance to noncurrent loans | 573.4694% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,030 |
| Noncurrent loans to loans | 0.2209% | 3,749 |
| Net loans and leases to total assets | 65.3308% | 3,187 |
| Net loans and leases to deposits | 75.6543% | 3,367 |
| Net loans and leases to core deposits | 75.8586% | 3,744 |
| Total domestic deposits to total assets | 86.3543% | 1,869 |
| Equity capital to assets | 12.4661% | 1,878 |
| Core capital (leverage) ratio | 12.6286% | 1,470 |
| Tier 1 risk-based capital ratio | 13.1323% | 3,768 |
| Total risk-based capital ratio | 14.0213% | 3,870 |
| Memoranda: | ||
| Average total assets | $133,714,000 | 3,575 |
| Average earning assets | $119,791,330 | 3,624 |
| Average equity | $15,949,000 | 3,582 |
| Average total loans | $88,629,670 | 3,490 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,972 |
| Cost of funding earning assets | 0.3671% | 4,615 |
| Net interest margin | 4.1020% | 1,545 |
| Noninterest income to average assets | 0.7580% | 1,410 |
| Noninterest expense to average assets | 2.3878% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6291% | 839 |
| Return on assets (ROA) | 1.6717% | 805 |
| Pretax return on assets | 2.1062% | 517 |
| Return on Equity (ROE) | 14.3408% | 890 |
| Retained earnings to average equity (ytd only) | 14.3408% | 327 |
| Net charge-offs to loans | -0.0045% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7787% | 4,553 |
| Assets per employee ($millions) | 5.7228% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,210 |
| Loan loss allowance to noncurrent loans | 1,886.6667% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,600 |
| Noncurrent loans to loans | 0.0676% | 4,456 |
| Net loans and leases to total assets | 66.5669% | 2,967 |
| Net loans and leases to deposits | 76.9038% | 3,174 |
| Net loans and leases to core deposits | 77.1143% | 3,588 |
| Total domestic deposits to total assets | 86.5587% | 2,035 |
| Equity capital to assets | 12.0928% | 1,968 |
| Core capital (leverage) ratio | 11.8551% | 1,869 |
| Tier 1 risk-based capital ratio | 15.3717% | 2,716 |
| Total risk-based capital ratio | 16.4609% | 2,695 |
| Memoranda: | ||
| Average total assets | $133,513,000 | 3,612 |
| Average earning assets | $119,843,500 | 3,659 |
| Average equity | $15,564,000 | 3,637 |
| Average total loans | $88,573,000 | 3,523 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,755 |
| Cost of funding earning assets | 0.2714% | 4,701 |
| Net interest margin | 4.1295% | 1,591 |
| Noninterest income to average assets | 0.4369% | 3,192 |
| Noninterest expense to average assets | 2.3905% | 3,908 |
| Loan and lease loss provision to assets | 0.0113% | 3,909 |
| Net operating income to assets | 1.4435% | 1,298 |
| Return on assets (ROA) | 1.4374% | 1,305 |
| Pretax return on assets | 1.8049% | 904 |
| Return on Equity (ROE) | 13.4477% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.4477% | 200 |
| Net charge-offs to loans | 0.0170% | 3,122 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 161.1333% | 532 |
| Efficiency ratio | 56.7234% | 4,318 |
| Assets per employee ($millions) | 6.1546% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,146 |
| Loan loss allowance to noncurrent loans | 1,285.2273% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,508 |
| Noncurrent loans to loans | 0.0996% | 4,284 |
| Net loans and leases to total assets | 64.4488% | 3,307 |
| Net loans and leases to deposits | 73.8095% | 3,516 |
| Net loans and leases to core deposits | 74.0036% | 3,853 |
| Total domestic deposits to total assets | 87.3178% | 1,636 |
| Equity capital to assets | 11.2340% | 2,485 |
| Core capital (leverage) ratio | 11.4870% | 2,115 |
| Tier 1 risk-based capital ratio | 13.4547% | 3,576 |
| Total risk-based capital ratio | 14.4417% | 3,614 |
| Memoranda: | ||
| Average total assets | $132,527,000 | 3,615 |
| Average earning assets | $121,226,600 | 3,625 |
| Average equity | $14,166,000 | 3,730 |
| Average total loans | $88,409,200 | 3,504 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,847 |
| Cost of funding earning assets | 0.2466% | 4,807 |
| Net interest margin | 4.0841% | 1,676 |
| Noninterest income to average assets | 0.4137% | 3,400 |
| Noninterest expense to average assets | 2.3670% | 3,934 |
| Loan and lease loss provision to assets | 0.0152% | 3,708 |
| Net operating income to assets | 1.4222% | 1,408 |
| Return on assets (ROA) | 1.4222% | 1,411 |
| Pretax return on assets | 1.7844% | 1,047 |
| Return on Equity (ROE) | 13.4819% | 1,270 |
| Retained earnings to average equity (ytd only) | 13.4819% | 303 |
| Net charge-offs to loans | 0.0226% | 2,688 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 118.5970% | 665 |
| Efficiency ratio | 56.8099% | 4,276 |
| Assets per employee ($millions) | 5.4991% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,321 |
| Loan loss allowance to noncurrent loans | 2,758.5366% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,829 |
| Noncurrent loans to loans | 0.0456% | 4,693 |
| Net loans and leases to total assets | 67.2910% | 3,038 |
| Net loans and leases to deposits | 77.2006% | 3,306 |
| Net loans and leases to core deposits | 77.4085% | 3,702 |
| Total domestic deposits to total assets | 87.1639% | 1,660 |
| Equity capital to assets | 11.0177% | 2,645 |
| Core capital (leverage) ratio | 11.2241% | 2,395 |
| Tier 1 risk-based capital ratio | 12.6848% | 4,084 |
| Total risk-based capital ratio | 13.6464% | 4,149 |
| Memoranda: | ||
| Average total assets | $131,808,250 | 3,661 |
| Average earning assets | $121,118,250 | 3,662 |
| Average equity | $13,904,750 | 3,785 |
| Average total loans | $88,412,500 | 3,539 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,128 |
| Cost of funding earning assets | 0.2211% | 4,912 |
| Net interest margin | 3.9740% | 1,943 |
| Noninterest income to average assets | 0.4129% | 3,405 |
| Noninterest expense to average assets | 2.3393% | 4,049 |
| Loan and lease loss provision to assets | 0.0076% | 3,689 |
| Net operating income to assets | 1.3465% | 1,612 |
| Return on assets (ROA) | 1.3465% | 1,619 |
| Pretax return on assets | 1.6956% | 1,219 |
| Return on Equity (ROE) | 12.9558% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.9558% | 386 |
| Net charge-offs to loans | 0.0341% | 2,166 |
| Credit loss provision to net charge-offs | 33.3333% | 2,610 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 861 |
| Efficiency ratio | 57.8671% | 4,253 |
| Assets per employee ($millions) | 5.7757% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,367 |
| Loan loss allowance to noncurrent loans | 1,648.5294% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,771 |
| Noncurrent loans to loans | 0.0765% | 4,575 |
| Net loans and leases to total assets | 66.0624% | 3,142 |
| Net loans and leases to deposits | 74.9934% | 3,440 |
| Net loans and leases to core deposits | 75.1913% | 3,800 |
| Total domestic deposits to total assets | 88.0910% | 1,327 |
| Equity capital to assets | 10.6195% | 3,008 |
| Core capital (leverage) ratio | 10.7887% | 2,712 |
| Tier 1 risk-based capital ratio | 13.1183% | 3,835 |
| Total risk-based capital ratio | 14.1410% | 3,872 |
| Memoranda: | ||
| Average total assets | $131,751,330 | 3,678 |
| Average earning assets | $120,332,670 | 3,704 |
| Average equity | $13,692,670 | 3,840 |
| Average total loans | $87,903,000 | 3,566 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 4,270 |
| Cost of funding earning assets | 0.2239% | 4,872 |
| Net interest margin | 3.5594% | 3,315 |
| Noninterest income to average assets | 0.7347% | 1,681 |
| Noninterest expense to average assets | 2.4602% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1707% | 2,132 |
| Return on assets (ROA) | 1.1707% | 2,144 |
| Pretax return on assets | 1.4725% | 1,753 |
| Return on Equity (ROE) | 11.3900% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.3900% | 805 |
| Net charge-offs to loans | 0.0503% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.9091% | 1,014 |
| Efficiency ratio | 62.5581% | 3,695 |
| Assets per employee ($millions) | 5.7663% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 2,207 |
| Loan loss allowance to noncurrent loans | 2,382.9787% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,931 |
| Noncurrent loans to loans | 0.0549% | 4,733 |
| Net loans and leases to total assets | 63.6795% | 3,350 |
| Net loans and leases to deposits | 71.9826% | 3,601 |
| Net loans and leases to core deposits | 75.8042% | 3,687 |
| Total domestic deposits to total assets | 88.4652% | 1,372 |
| Equity capital to assets | 10.2748% | 3,309 |
| Core capital (leverage) ratio | 10.6735% | 2,766 |
| Tier 1 risk-based capital ratio | 13.3115% | 3,772 |
| Total risk-based capital ratio | 14.4107% | 3,774 |
| Memoranda: | ||
| Average total assets | $131,206,500 | 3,731 |
| Average earning assets | $117,886,000 | 3,785 |
| Average equity | $13,485,500 | 3,904 |
| Average total loans | $87,415,000 | 3,599 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,133 |
| Cost of funding earning assets | 0.2282% | 4,738 |
| Net interest margin | 3.8509% | 2,246 |
| Noninterest income to average assets | 0.4321% | 3,423 |
| Noninterest expense to average assets | 2.4496% | 3,938 |
| Loan and lease loss provision to assets | 0.0202% | 3,896 |
| Net operating income to assets | 0.8201% | 3,078 |
| Return on assets (ROA) | 0.8222% | 3,109 |
| Pretax return on assets | 1.4348% | 1,871 |
| Return on Equity (ROE) | 7.6425% | 2,980 |
| Retained earnings to average equity (ytd only) | 0.1499% | 4,952 |
| Net charge-offs to loans | 0.0366% | 3,059 |
| Credit loss provision to net charge-offs | 78.1250% | 2,972 |
| Earnings coverage of net charge-offs (x) | 56.2813% | 997 |
| Efficiency ratio | 62.7893% | 3,815 |
| Assets per employee ($millions) | 5.4078% | 2,041 |
| Cash dividends to net income (ytd only)* | 98.0392% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,389 |
| Loan loss allowance to noncurrent loans | 1,767.1875% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,887 |
| Noncurrent loans to loans | 0.0717% | 4,679 |
| Net loans and leases to total assets | 67.8984% | 2,833 |
| Net loans and leases to deposits | 76.8897% | 3,241 |
| Net loans and leases to core deposits | 81.0664% | 3,330 |
| Total domestic deposits to total assets | 88.3063% | 1,343 |
| Equity capital to assets | 10.2814% | 3,404 |
| Core capital (leverage) ratio | 10.7638% | 2,574 |
| Tier 1 risk-based capital ratio | 12.7376% | 4,071 |
| Total risk-based capital ratio | 13.8054% | 4,071 |
| Memoranda: | ||
| Average total assets | $124,059,200 | 3,838 |
| Average earning assets | $111,765,400 | 3,886 |
| Average equity | $13,346,400 | 3,937 |
| Average total loans | $87,382,000 | 3,579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 2,881 |
| Cost of funding earning assets | 0.2272% | 4,761 |
| Net interest margin | 3.9018% | 2,038 |
| Noninterest income to average assets | 0.4056% | 3,649 |
| Noninterest expense to average assets | 2.4670% | 3,833 |
| Loan and lease loss provision to assets | 0.0272% | 3,587 |
| Net operating income to assets | 0.9485% | 2,787 |
| Return on assets (ROA) | 0.9514% | 2,832 |
| Pretax return on assets | 1.4265% | 2,030 |
| Return on Equity (ROE) | 8.7408% | 2,749 |
| Retained earnings to average equity (ytd only) | -1.2487% | 5,373 |
| Net charge-offs to loans | 0.0522% | 2,396 |
| Credit loss provision to net charge-offs | 73.5294% | 2,658 |
| Earnings coverage of net charge-offs (x) | 39.2078% | 1,321 |
| Efficiency ratio | 62.9928% | 3,710 |
| Assets per employee ($millions) | 5.0703% | 2,364 |
| Cash dividends to net income (ytd only)* | 114.2855% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,533 |
| Loan loss allowance to noncurrent loans | 424.4361% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 4,189 |
| Noncurrent loans to loans | 0.2987% | 3,870 |
| Net loans and leases to total assets | 72.2477% | 2,221 |
| Net loans and leases to deposits | 83.3849% | 2,621 |
| Net loans and leases to core deposits | 88.3374% | 2,736 |
| Total domestic deposits to total assets | 86.6436% | 2,022 |
| Equity capital to assets | 10.9428% | 2,922 |
| Core capital (leverage) ratio | 11.0161% | 2,443 |
| Tier 1 risk-based capital ratio | 11.4247% | 4,996 |
| Total risk-based capital ratio | 12.3929% | 5,058 |
| Memoranda: | ||
| Average total assets | $122,627,000 | 3,894 |
| Average earning assets | $110,338,250 | 3,946 |
| Average equity | $13,347,000 | 3,976 |
| Average total loans | $86,913,750 | 3,620 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 2,846 |
| Cost of funding earning assets | 0.2258% | 4,753 |
| Net interest margin | 3.8695% | 2,031 |
| Noninterest income to average assets | 0.4197% | 3,569 |
| Noninterest expense to average assets | 2.5004% | 3,750 |
| Loan and lease loss provision to assets | 0.0163% | 3,630 |
| Net operating income to assets | 0.9067% | 2,882 |
| Return on assets (ROA) | 0.9110% | 2,906 |
| Pretax return on assets | 1.3665% | 2,147 |
| Return on Equity (ROE) | 8.3849% | 2,838 |
| Retained earnings to average equity (ytd only) | -6.5881% | 5,580 |
| Net charge-offs to loans | 0.0325% | 2,549 |
| Credit loss provision to net charge-offs | 71.4286% | 2,364 |
| Earnings coverage of net charge-offs (x) | 60.4286% | 946 |
| Efficiency ratio | 64.4985% | 3,591 |
| Assets per employee ($millions) | 4.7234% | 2,760 |
| Cash dividends to net income (ytd only)* | 178.5714% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,467 |
| Loan loss allowance to noncurrent loans | 439.5349% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,330 |
| Noncurrent loans to loans | 0.2934% | 3,992 |
| Net loans and leases to total assets | 70.6829% | 2,416 |
| Net loans and leases to deposits | 80.3653% | 2,867 |
| Net loans and leases to core deposits | 85.0088% | 2,972 |
| Total domestic deposits to total assets | 87.9520% | 1,477 |
| Equity capital to assets | 10.5880% | 3,243 |
| Core capital (leverage) ratio | 10.5241% | 2,885 |
| Tier 1 risk-based capital ratio | 11.5200% | 4,945 |
| Total risk-based capital ratio | 12.5244% | 4,987 |
| Memoranda: | ||
| Average total assets | $122,940,330 | 3,913 |
| Average earning assets | $109,833,670 | 3,978 |
| Average equity | $13,357,330 | 3,987 |
| Average total loans | $86,203,330 | 3,655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,147 |
| Cost of funding earning assets | 0.2302% | 4,717 |
| Net interest margin | 3.4570% | 3,430 |
| Noninterest income to average assets | 0.6666% | 2,113 |
| Noninterest expense to average assets | 2.5072% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8270% | 3,088 |
| Return on assets (ROA) | 0.8357% | 3,106 |
| Pretax return on assets | 1.2487% | 2,418 |
| Return on Equity (ROE) | 7.5954% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.5954% | 1,614 |
| Net charge-offs to loans | 0.0281% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 63.3333% | 776 |
| Efficiency ratio | 66.9852% | 3,344 |
| Assets per employee ($millions) | 5.0244% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,451 |
| Loan loss allowance to noncurrent loans | 605.3476% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 4,660 |
| Noncurrent loans to loans | 0.2176% | 4,327 |
| Net loans and leases to total assets | 67.5074% | 2,744 |
| Net loans and leases to deposits | 77.0649% | 3,070 |
| Net loans and leases to core deposits | 81.2308% | 3,171 |
| Total domestic deposits to total assets | 87.5981% | 1,944 |
| Equity capital to assets | 10.8909% | 2,753 |
| Core capital (leverage) ratio | 11.1564% | 2,229 |
| Tier 1 risk-based capital ratio | 13.2282% | 3,927 |
| Total risk-based capital ratio | 14.3210% | 3,941 |
| Memoranda: | ||
| Average total assets | $123,006,000 | 3,950 |
| Average earning assets | $109,460,000 | 4,023 |
| Average equity | $13,534,500 | 3,984 |
| Average total loans | $85,335,500 | 3,701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,771 |
| Cost of funding earning assets | 0.2390% | 4,664 |
| Net interest margin | 3.8802% | 2,031 |
| Noninterest income to average assets | 0.4702% | 3,407 |
| Noninterest expense to average assets | 2.4190% | 4,249 |
| Loan and lease loss provision to assets | 0.0041% | 4,276 |
| Net operating income to assets | 0.9888% | 2,398 |
| Return on assets (ROA) | 0.9888% | 2,500 |
| Pretax return on assets | 1.5238% | 1,509 |
| Return on Equity (ROE) | 9.3451% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.3451% | 519 |
| Net charge-offs to loans | 0.0180% | 3,705 |
| Credit loss provision to net charge-offs | 31.2500% | 3,578 |
| Earnings coverage of net charge-offs (x) | 116.3750% | 519 |
| Efficiency ratio | 61.2890% | 4,375 |
| Assets per employee ($millions) | 4.3001% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,329 |
| Loan loss allowance to noncurrent loans | 611.8280% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,705 |
| Noncurrent loans to loans | 0.2195% | 4,365 |
| Net loans and leases to total assets | 69.4382% | 2,558 |
| Net loans and leases to deposits | 79.6375% | 2,924 |
| Net loans and leases to core deposits | 84.1520% | 3,008 |
| Total domestic deposits to total assets | 87.1929% | 2,029 |
| Equity capital to assets | 11.1202% | 2,517 |
| Core capital (leverage) ratio | 11.2170% | 2,158 |
| Tier 1 risk-based capital ratio | 12.5578% | 4,351 |
| Total risk-based capital ratio | 13.6206% | 4,345 |
| Memoranda: | ||
| Average total assets | $121,869,600 | 3,960 |
| Average earning assets | $109,195,200 | 4,018 |
| Average equity | $12,894,400 | 4,105 |
| Average total loans | $88,949,000 | 3,595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,545 |
| Cost of funding earning assets | 0.2353% | 4,749 |
| Net interest margin | 3.9553% | 1,793 |
| Noninterest income to average assets | 0.4047% | 3,888 |
| Noninterest expense to average assets | 2.3844% | 4,325 |
| Loan and lease loss provision to assets | 0.0055% | 4,120 |
| Net operating income to assets | 1.0199% | 2,333 |
| Return on assets (ROA) | 1.0199% | 2,463 |
| Pretax return on assets | 1.5718% | 1,460 |
| Return on Equity (ROE) | 9.7617% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.7617% | 629 |
| Net charge-offs to loans | 0.0207% | 3,282 |
| Credit loss provision to net charge-offs | 35.7143% | 3,185 |
| Earnings coverage of net charge-offs (x) | 103.2646% | 641 |
| Efficiency ratio | 60.1872% | 4,515 |
| Assets per employee ($millions) | 4.6697% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,835 |
| Loan loss allowance to noncurrent loans | 545.4545% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,750 |
| Noncurrent loans to loans | 0.2331% | 4,437 |
| Net loans and leases to total assets | 72.9088% | 2,035 |
| Net loans and leases to deposits | 86.9215% | 2,150 |
| Net loans and leases to core deposits | 92.0674% | 2,372 |
| Total domestic deposits to total assets | 83.8789% | 3,249 |
| Equity capital to assets | 10.9314% | 3,086 |
| Core capital (leverage) ratio | 10.9404% | 2,521 |
| Tier 1 risk-based capital ratio | 12.0880% | 4,732 |
| Total risk-based capital ratio | 13.1338% | 4,762 |
| Memoranda: | ||
| Average total assets | $122,236,500 | 3,980 |
| Average earning assets | $109,927,000 | 4,027 |
| Average equity | $12,770,750 | 4,165 |
| Average total loans | $90,000,500 | 3,593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 2,613 |
| Cost of funding earning assets | 0.2437% | 4,720 |
| Net interest margin | 3.9229% | 1,905 |
| Noninterest income to average assets | 0.4571% | 3,475 |
| Noninterest expense to average assets | 2.4128% | 4,300 |
| Loan and lease loss provision to assets | 0.0082% | 3,914 |
| Net operating income to assets | 0.9926% | 2,422 |
| Return on assets (ROA) | 0.9926% | 2,563 |
| Pretax return on assets | 1.5313% | 1,584 |
| Return on Equity (ROE) | 9.6480% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.6480% | 670 |
| Net charge-offs to loans | 0.0178% | 3,152 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 117.8750% | 496 |
| Efficiency ratio | 61.0492% | 4,506 |
| Assets per employee ($millions) | 4.3257% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,759 |
| Loan loss allowance to noncurrent loans | 784.9315% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 5,029 |
| Noncurrent loans to loans | 0.1661% | 4,776 |
| Net loans and leases to total assets | 71.6273% | 2,227 |
| Net loans and leases to deposits | 81.7449% | 2,740 |
| Net loans and leases to core deposits | 87.9984% | 2,727 |
| Total domestic deposits to total assets | 87.6230% | 1,615 |
| Equity capital to assets | 10.7208% | 3,377 |
| Core capital (leverage) ratio | 10.3688% | 3,116 |
| Tier 1 risk-based capital ratio | 12.0231% | 4,810 |
| Total risk-based capital ratio | 13.0955% | 4,825 |
| Memoranda: | ||
| Average total assets | $122,511,330 | 4,000 |
| Average earning assets | $109,155,000 | 4,078 |
| Average equity | $12,603,670 | 4,213 |
| Average total loans | $90,114,000 | 3,612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,943 |
| Cost of funding earning assets | 0.2417% | 4,790 |
| Net interest margin | 3.8339% | 2,158 |
| Noninterest income to average assets | 0.5357% | 2,896 |
| Noninterest expense to average assets | 2.4544% | 4,212 |
| Loan and lease loss provision to assets | 0.0162% | 3,478 |
| Net operating income to assets | 0.9480% | 2,516 |
| Return on assets (ROA) | 0.9480% | 2,633 |
| Pretax return on assets | 1.4642% | 1,703 |
| Return on Equity (ROE) | 9.4095% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.4095% | 999 |
| Net charge-offs to loans | -0.0044% | 4,255 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3762% | 4,391 |
| Assets per employee ($millions) | 4.4506% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,185 |
| Loan loss allowance to noncurrent loans | 340.7080% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 4,466 |
| Noncurrent loans to loans | 0.3669% | 4,120 |
| Net loans and leases to total assets | 73.2206% | 1,847 |
| Net loans and leases to deposits | 83.0173% | 2,427 |
| Net loans and leases to core deposits | 89.1640% | 2,447 |
| Total domestic deposits to total assets | 88.1991% | 1,531 |
| Equity capital to assets | 10.1093% | 3,935 |
| Core capital (leverage) ratio | 10.2283% | 3,284 |
| Tier 1 risk-based capital ratio | 10.9588% | 5,527 |
| Total risk-based capital ratio | 11.9687% | 5,562 |
| Memoranda: | ||
| Average total assets | $123,207,000 | 4,023 |
| Average earning assets | $109,235,000 | 4,101 |
| Average equity | $12,413,000 | 4,261 |
| Average total loans | $91,220,500 | 3,593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,983 |
| Cost of funding earning assets | 0.2550% | 4,726 |
| Net interest margin | 3.8288% | 2,272 |
| Noninterest income to average assets | 0.4562% | 3,620 |
| Noninterest expense to average assets | 2.4850% | 4,272 |
| Loan and lease loss provision to assets | 0.0081% | 4,234 |
| Net operating income to assets | 0.8906% | 2,924 |
| Return on assets (ROA) | 0.8906% | 3,005 |
| Pretax return on assets | 1.3760% | 1,994 |
| Return on Equity (ROE) | 9.0995% | 2,412 |
| Retained earnings to average equity (ytd only) | 4.5456% | 2,748 |
| Net charge-offs to loans | 0.0011% | 4,438 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 1,705.0000% | 24 |
| Efficiency ratio | 64.2258% | 4,212 |
| Assets per employee ($millions) | 4.6845% | 2,750 |
| Cash dividends to net income (ytd only)* | 50.0456% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,030 |
| Loan loss allowance to noncurrent loans | 679.8817% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 5,033 |
| Noncurrent loans to loans | 0.1877% | 4,732 |
| Net loans and leases to total assets | 72.9835% | 1,895 |
| Net loans and leases to deposits | 85.2876% | 2,208 |
| Net loans and leases to core deposits | 91.9654% | 2,229 |
| Total domestic deposits to total assets | 85.5734% | 2,831 |
| Equity capital to assets | 10.0397% | 3,914 |
| Core capital (leverage) ratio | 10.0586% | 3,431 |
| Tier 1 risk-based capital ratio | 10.8875% | 5,579 |
| Total risk-based capital ratio | 11.9094% | 5,614 |
| Memoranda: | ||
| Average total assets | $123,181,000 | 4,018 |
| Average earning assets | $109,799,800 | 4,068 |
| Average equity | $12,055,600 | 4,297 |
| Average total loans | $92,130,600 | 3,542 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,885 |
| Cost of funding earning assets | 0.2527% | 4,850 |
| Net interest margin | 3.8610% | 2,154 |
| Noninterest income to average assets | 0.4199% | 3,932 |
| Noninterest expense to average assets | 2.4706% | 4,283 |
| Loan and lease loss provision to assets | 0.0108% | 4,057 |
| Net operating income to assets | 0.8959% | 2,981 |
| Return on assets (ROA) | 0.8959% | 3,070 |
| Pretax return on assets | 1.3848% | 2,080 |
| Return on Equity (ROE) | 9.2124% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.1189% | 4,233 |
| Net charge-offs to loans | -0.0086% | 4,943 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9028% | 4,267 |
| Assets per employee ($millions) | 4.8139% | 2,544 |
| Cash dividends to net income (ytd only)* | 66.1444% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 3,492 |
| Loan loss allowance to noncurrent loans | 404.1958% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,850 |
| Noncurrent loans to loans | 0.3041% | 4,513 |
| Net loans and leases to total assets | 74.2188% | 1,700 |
| Net loans and leases to deposits | 89.2790% | 1,740 |
| Net loans and leases to core deposits | 95.9797% | 1,883 |
| Total domestic deposits to total assets | 83.1313% | 3,764 |
| Equity capital to assets | 9.6316% | 4,599 |
| Core capital (leverage) ratio | 9.9738% | 3,668 |
| Tier 1 risk-based capital ratio | 10.6793% | 5,809 |
| Total risk-based capital ratio | 11.7102% | 5,832 |
| Memoranda: | ||
| Average total assets | $123,527,250 | 4,057 |
| Average earning assets | $110,261,250 | 4,110 |
| Average equity | $12,012,500 | 4,352 |
| Average total loans | $92,653,250 | 3,563 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,146 |
| Cost of funding earning assets | 0.2575% | 4,867 |
| Net interest margin | 3.7760% | 2,421 |
| Noninterest income to average assets | 0.4830% | 3,482 |
| Noninterest expense to average assets | 2.4898% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8765% | 3,007 |
| Return on assets (ROA) | 0.8765% | 3,115 |
| Pretax return on assets | 1.3563% | 2,160 |
| Return on Equity (ROE) | 8.9846% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.9846% | 929 |
| Net charge-offs to loans | -0.0065% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7357% | 4,235 |
| Assets per employee ($millions) | 4.5103% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,432 |
| Loan loss allowance to noncurrent loans | 921.7742% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 5,465 |
| Noncurrent loans to loans | 0.1372% | 5,197 |
| Net loans and leases to total assets | 73.2998% | 1,771 |
| Net loans and leases to deposits | 83.2142% | 2,411 |
| Net loans and leases to core deposits | 89.2514% | 2,426 |
| Total domestic deposits to total assets | 88.0857% | 1,605 |
| Equity capital to assets | 10.0732% | 3,954 |
| Core capital (leverage) ratio | 9.9743% | 3,643 |
| Tier 1 risk-based capital ratio | 11.7060% | 5,336 |
| Total risk-based capital ratio | 12.7998% | 5,351 |
| Memoranda: | ||
| Average total assets | $122,982,670 | 4,094 |
| Average earning assets | $109,532,670 | 4,163 |
| Average equity | $11,998,330 | 4,382 |
| Average total loans | $92,188,000 | 3,591 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,415 |
| Cost of funding earning assets | 0.2573% | 4,935 |
| Net interest margin | 3.6927% | 2,642 |
| Noninterest income to average assets | 0.4887% | 3,356 |
| Noninterest expense to average assets | 2.5278% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8124% | 3,203 |
| Return on assets (ROA) | 0.8124% | 3,325 |
| Pretax return on assets | 1.2591% | 2,431 |
| Return on Equity (ROE) | 8.4626% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.4626% | 1,390 |
| Net charge-offs to loans | -0.0258% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7521% | 4,019 |
| Assets per employee ($millions) | 4.7100% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,716 |
| Loan loss allowance to noncurrent loans | 694.5455% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 5,417 |
| Noncurrent loans to loans | 0.1793% | 5,137 |
| Net loans and leases to total assets | 74.2187% | 1,467 |
| Net loans and leases to deposits | 83.6392% | 2,125 |
| Net loans and leases to core deposits | 89.6377% | 2,164 |
| Total domestic deposits to total assets | 88.7368% | 1,433 |
| Equity capital to assets | 9.8154% | 4,372 |
| Core capital (leverage) ratio | 9.6808% | 4,035 |
| Tier 1 risk-based capital ratio | 11.1659% | 5,727 |
| Total risk-based capital ratio | 12.2372% | 5,744 |
| Memoranda: | ||
| Average total assets | $123,585,000 | 4,112 |
| Average earning assets | $110,379,500 | 4,173 |
| Average equity | $11,864,000 | 4,436 |
| Average total loans | $93,079,000 | 3,592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,114 |
| Cost of funding earning assets | 0.2762% | 5,038 |
| Net interest margin | 3.6272% | 3,304 |
| Noninterest income to average assets | 0.4923% | 3,568 |
| Noninterest expense to average assets | 2.2650% | 5,205 |
| Loan and lease loss provision to assets | 0.0411% | 3,757 |
| Net operating income to assets | 0.9420% | 2,660 |
| Return on assets (ROA) | 0.9420% | 2,754 |
| Pretax return on assets | 1.4549% | 1,709 |
| Return on Equity (ROE) | 10.4503% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.0668% | 1,885 |
| Net charge-offs to loans | -0.0043% | 5,452 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2227% | 5,189 |
| Assets per employee ($millions) | 5.1962% | 2,079 |
| Cash dividends to net income (ytd only)* | 41.9463% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,930 |
| Loan loss allowance to noncurrent loans | 532.7103% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 5,336 |
| Noncurrent loans to loans | 0.2274% | 5,008 |
| Net loans and leases to total assets | 74.5600% | 1,484 |
| Net loans and leases to deposits | 84.5700% | 2,153 |
| Net loans and leases to core deposits | 88.9492% | 2,386 |
| Total domestic deposits to total assets | 88.1636% | 1,677 |
| Equity capital to assets | 9.3883% | 4,859 |
| Core capital (leverage) ratio | 9.6772% | 4,007 |
| Tier 1 risk-based capital ratio | 10.2223% | 6,199 |
| Total risk-based capital ratio | 11.2189% | 6,219 |
| Memoranda: | ||
| Average total assets | $126,536,400 | 4,045 |
| Average earning assets | $114,028,400 | 4,093 |
| Average equity | $11,406,400 | 4,478 |
| Average total loans | $92,027,600 | 3,588 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 4,077 |
| Cost of funding earning assets | 0.2813% | 5,083 |
| Net interest margin | 3.6436% | 3,252 |
| Noninterest income to average assets | 0.4462% | 3,920 |
| Noninterest expense to average assets | 2.2216% | 5,309 |
| Loan and lease loss provision to assets | 0.0441% | 3,514 |
| Net operating income to assets | 0.9533% | 2,670 |
| Return on assets (ROA) | 0.9533% | 2,751 |
| Pretax return on assets | 1.4720% | 1,735 |
| Return on Equity (ROE) | 10.6843% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.8009% | 3,214 |
| Net charge-offs to loans | 0.0015% | 4,664 |
| Credit loss provision to net charge-offs | 4,200.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,447.5865% | 43 |
| Efficiency ratio | 59.4382% | 5,257 |
| Assets per employee ($millions) | 4.8000% | 2,515 |
| Cash dividends to net income (ytd only)* | 55.0659% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 3,993 |
| Loan loss allowance to noncurrent loans | 482.8326% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 5,439 |
| Noncurrent loans to loans | 0.2577% | 5,135 |
| Net loans and leases to total assets | 74.4115% | 1,456 |
| Net loans and leases to deposits | 83.8125% | 2,183 |
| Net loans and leases to core deposits | 89.7534% | 2,252 |
| Total domestic deposits to total assets | 88.7832% | 1,362 |
| Equity capital to assets | 9.5292% | 4,763 |
| Core capital (leverage) ratio | 9.2636% | 4,688 |
| Tier 1 risk-based capital ratio | 10.5431% | 6,195 |
| Total risk-based capital ratio | 11.5827% | 6,222 |
| Memoranda: | ||
| Average total assets | $126,993,250 | 4,067 |
| Average earning assets | $114,719,500 | 4,114 |
| Average equity | $11,331,000 | 4,520 |
| Average total loans | $91,503,750 | 3,630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,570 |
| Cost of funding earning assets | 0.2826% | 5,156 |
| Net interest margin | 3.5039% | 3,773 |
| Noninterest income to average assets | 0.4825% | 3,610 |
| Noninterest expense to average assets | 2.1821% | 5,460 |
| Loan and lease loss provision to assets | 0.0650% | 2,968 |
| Net operating income to assets | 0.9047% | 2,778 |
| Return on assets (ROA) | 0.9047% | 2,881 |
| Pretax return on assets | 1.3996% | 1,889 |
| Return on Equity (ROE) | 10.3573% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.3573% | 641 |
| Net charge-offs to loans | 0.0022% | 4,319 |
| Credit loss provision to net charge-offs | 4,200.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 947.0000% | 67 |
| Efficiency ratio | 59.8388% | 5,319 |
| Assets per employee ($millions) | 4.8633% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,377 |
| Loan loss allowance to noncurrent loans | 351.5625% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 5,331 |
| Noncurrent loans to loans | 0.3442% | 4,979 |
| Net loans and leases to total assets | 72.6344% | 1,629 |
| Net loans and leases to deposits | 81.5094% | 2,315 |
| Net loans and leases to core deposits | 87.5430% | 2,362 |
| Total domestic deposits to total assets | 89.1116% | 1,295 |
| Equity capital to assets | 9.2133% | 5,090 |
| Core capital (leverage) ratio | 9.0552% | 4,932 |
| Tier 1 risk-based capital ratio | 10.4942% | 6,253 |
| Total risk-based capital ratio | 11.5131% | 6,276 |
| Memoranda: | ||
| Average total assets | $129,324,670 | 4,046 |
| Average earning assets | $116,782,670 | 4,092 |
| Average equity | $11,296,330 | 4,536 |
| Average total loans | $91,865,670 | 3,640 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 5,017 |
| Cost of funding earning assets | 0.2871% | 5,199 |
| Net interest margin | 3.3601% | 4,290 |
| Noninterest income to average assets | 0.5506% | 3,043 |
| Noninterest expense to average assets | 2.1872% | 5,492 |
| Loan and lease loss provision to assets | 0.0459% | 3,182 |
| Net operating income to assets | 0.8534% | 2,882 |
| Return on assets (ROA) | 0.8534% | 2,952 |
| Pretax return on assets | 1.3245% | 2,010 |
| Return on Equity (ROE) | 10.0364% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.0364% | 953 |
| Net charge-offs to loans | -0.0088% | 5,004 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4789% | 5,203 |
| Assets per employee ($millions) | 5.2598% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,481 |
| Loan loss allowance to noncurrent loans | 1,000.9091% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 6,002 |
| Noncurrent loans to loans | 0.1230% | 5,741 |
| Net loans and leases to total assets | 67.1830% | 2,361 |
| Net loans and leases to deposits | 74.7827% | 2,971 |
| Net loans and leases to core deposits | 79.7838% | 2,991 |
| Total domestic deposits to total assets | 89.8377% | 1,160 |
| Equity capital to assets | 8.5934% | 5,556 |
| Core capital (leverage) ratio | 8.7407% | 5,336 |
| Tier 1 risk-based capital ratio | 10.3615% | 6,375 |
| Total risk-based capital ratio | 11.3728% | 6,410 |
| Memoranda: | ||
| Average total assets | $130,763,500 | 4,053 |
| Average earning assets | $117,019,500 | 4,115 |
| Average equity | $11,119,500 | 4,587 |
| Average total loans | $91,314,000 | 3,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,567 |
| Cost of funding earning assets | 0.3586% | 5,061 |
| Net interest margin | 3.5136% | 3,833 |
| Noninterest income to average assets | 0.4237% | 4,275 |
| Noninterest expense to average assets | 2.1282% | 5,774 |
| Loan and lease loss provision to assets | 0.2306% | 1,570 |
| Net operating income to assets | 0.7688% | 3,452 |
| Return on assets (ROA) | 0.7688% | 3,546 |
| Pretax return on assets | 1.1965% | 2,597 |
| Return on Equity (ROE) | 8.9376% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.7785% | 2,748 |
| Net charge-offs to loans | 0.0843% | 4,031 |
| Credit loss provision to net charge-offs | 408.4507% | 558 |
| Earnings coverage of net charge-offs (x) | 25.2817% | 1,336 |
| Efficiency ratio | 59.8614% | 5,489 |
| Assets per employee ($millions) | 5.2012% | 1,960 |
| Cash dividends to net income (ytd only)* | 46.5357% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,846 |
| Loan loss allowance to noncurrent loans | 612.4294% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 5,916 |
| Noncurrent loans to loans | 0.1899% | 5,625 |
| Net loans and leases to total assets | 70.8293% | 1,874 |
| Net loans and leases to deposits | 78.7752% | 2,621 |
| Net loans and leases to core deposits | 83.9318% | 2,681 |
| Total domestic deposits to total assets | 89.9132% | 1,120 |
| Equity capital to assets | 8.4126% | 5,679 |
| Core capital (leverage) ratio | 8.6054% | 5,535 |
| Tier 1 risk-based capital ratio | 9.7025% | 6,574 |
| Total risk-based capital ratio | 10.6584% | 6,597 |
| Memoranda: | ||
| Average total assets | $125,785,600 | 4,145 |
| Average earning assets | $112,108,400 | 4,219 |
| Average equity | $10,819,400 | 4,673 |
| Average total loans | $84,237,000 | 3,819 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,677 |
| Cost of funding earning assets | 0.3734% | 5,061 |
| Net interest margin | 3.4734% | 3,998 |
| Noninterest income to average assets | 0.4287% | 4,310 |
| Noninterest expense to average assets | 2.1284% | 5,775 |
| Loan and lease loss provision to assets | 0.2886% | 1,192 |
| Net operating income to assets | 0.7013% | 3,854 |
| Return on assets (ROA) | 0.7013% | 3,986 |
| Pretax return on assets | 1.0946% | 3,136 |
| Return on Equity (ROE) | 8.1064% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.3260% | 2,859 |
| Net charge-offs to loans | 0.1024% | 3,515 |
| Credit loss provision to net charge-offs | 428.5714% | 613 |
| Earnings coverage of net charge-offs (x) | 20.5392% | 1,584 |
| Efficiency ratio | 60.6088% | 5,344 |
| Assets per employee ($millions) | 5.0282% | 2,128 |
| Cash dividends to net income (ytd only)* | 34.2987% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,121 |
| Loan loss allowance to noncurrent loans | 729.2517% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,084 |
| Noncurrent loans to loans | 0.1577% | 5,844 |
| Net loans and leases to total assets | 73.3044% | 1,395 |
| Net loans and leases to deposits | 81.8061% | 2,163 |
| Net loans and leases to core deposits | 87.8336% | 2,213 |
| Total domestic deposits to total assets | 89.6075% | 1,220 |
| Equity capital to assets | 8.6830% | 5,540 |
| Core capital (leverage) ratio | 9.1900% | 4,848 |
| Tier 1 risk-based capital ratio | 9.7407% | 6,649 |
| Total risk-based capital ratio | 10.6973% | 6,664 |
| Memoranda: | ||
| Average total assets | $124,724,250 | 4,209 |
| Average earning assets | $110,705,500 | 4,286 |
| Average equity | $10,789,500 | 4,737 |
| Average total loans | $82,000,250 | 3,913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,965 |
| Cost of funding earning assets | 0.3914% | 5,021 |
| Net interest margin | 3.3669% | 4,318 |
| Noninterest income to average assets | 0.4453% | 4,198 |
| Noninterest expense to average assets | 2.1383% | 5,780 |
| Loan and lease loss provision to assets | 0.2974% | 1,218 |
| Net operating income to assets | 0.6206% | 4,195 |
| Return on assets (ROA) | 0.6206% | 4,355 |
| Pretax return on assets | 0.9695% | 3,638 |
| Return on Equity (ROE) | 7.1830% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.1830% | 1,803 |
| Net charge-offs to loans | 0.0997% | 3,368 |
| Credit loss provision to net charge-offs | 474.3590% | 581 |
| Earnings coverage of net charge-offs (x) | 20.2051% | 1,472 |
| Efficiency ratio | 62.7951% | 5,051 |
| Assets per employee ($millions) | 4.3601% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,142 |
| Loan loss allowance to noncurrent loans | 526.5625% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 5,927 |
| Noncurrent loans to loans | 0.2225% | 5,747 |
| Net loans and leases to total assets | 72.4438% | 1,497 |
| Net loans and leases to deposits | 81.3870% | 2,132 |
| Net loans and leases to core deposits | 88.0541% | 2,101 |
| Total domestic deposits to total assets | 89.0115% | 1,628 |
| Equity capital to assets | 9.2081% | 4,984 |
| Core capital (leverage) ratio | 8.9755% | 5,033 |
| Tier 1 risk-based capital ratio | 10.5358% | 6,488 |
| Total risk-based capital ratio | 11.5156% | 6,545 |
| Memoranda: | ||
| Average total assets | $124,397,000 | 4,250 |
| Average earning assets | $109,360,000 | 4,353 |
| Average equity | $10,747,670 | 4,780 |
| Average total loans | $78,260,330 | 4,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 5,452 |
| Cost of funding earning assets | 0.4046% | 5,062 |
| Net interest margin | 3.1963% | 4,946 |
| Noninterest income to average assets | 0.4384% | 4,190 |
| Noninterest expense to average assets | 2.0918% | 5,926 |
| Loan and lease loss provision to assets | 0.0939% | 3,099 |
| Net operating income to assets | 0.6388% | 4,026 |
| Return on assets (ROA) | 0.6388% | 4,190 |
| Pretax return on assets | 0.9990% | 3,357 |
| Return on Equity (ROE) | 7.6251% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.6251% | 1,887 |
| Net charge-offs to loans | 0.1401% | 2,566 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 13.4231% | 1,528 |
| Efficiency ratio | 65.6834% | 4,714 |
| Assets per employee ($millions) | 4.9754% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,410 |
| Loan loss allowance to noncurrent loans | 318.3150% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 5,842 |
| Noncurrent loans to loans | 0.3609% | 5,501 |
| Net loans and leases to total assets | 60.1169% | 3,408 |
| Net loans and leases to deposits | 67.0923% | 3,902 |
| Net loans and leases to core deposits | 72.6343% | 3,745 |
| Total domestic deposits to total assets | 89.6033% | 1,295 |
| Equity capital to assets | 8.6770% | 5,833 |
| Core capital (leverage) ratio | 8.6316% | 5,417 |
| Tier 1 risk-based capital ratio | 10.7719% | 6,499 |
| Total risk-based capital ratio | 11.6477% | 6,590 |
| Memoranda: | ||
| Average total assets | $127,734,000 | 4,229 |
| Average earning assets | $109,751,000 | 4,378 |
| Average equity | $10,701,500 | 4,836 |
| Average total loans | $74,243,500 | 4,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 4,894 |
| Cost of funding earning assets | 0.5465% | 4,846 |
| Net interest margin | 3.5671% | 4,238 |
| Noninterest income to average assets | 0.5108% | 3,825 |
| Noninterest expense to average assets | 2.1224% | 6,077 |
| Loan and lease loss provision to assets | 0.0666% | 4,918 |
| Net operating income to assets | 0.9518% | 2,535 |
| Return on assets (ROA) | 0.9518% | 2,788 |
| Pretax return on assets | 1.4768% | 1,753 |
| Return on Equity (ROE) | 11.3335% | 1,701 |
| Retained earnings to average equity (ytd only) | 8.3614% | 1,011 |
| Net charge-offs to loans | 0.0580% | 5,118 |
| Credit loss provision to net charge-offs | 186.0465% | 1,407 |
| Earnings coverage of net charge-offs (x) | 43.1395% | 751 |
| Efficiency ratio | 57.8983% | 5,846 |
| Assets per employee ($millions) | 5.0416% | 2,178 |
| Cash dividends to net income (ytd only)* | 26.2238% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,170 |
| Loan loss allowance to noncurrent loans | 159.8891% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 5,458 |
| Noncurrent loans to loans | 0.7427% | 4,693 |
| Net loans and leases to total assets | 54.9091% | 4,469 |
| Net loans and leases to deposits | 60.9858% | 4,914 |
| Net loans and leases to core deposits | 66.5305% | 4,685 |
| Total domestic deposits to total assets | 90.0360% | 930 |
| Equity capital to assets | 8.0942% | 6,356 |
| Core capital (leverage) ratio | 8.7769% | 5,213 |
| Tier 1 risk-based capital ratio | 10.2021% | 6,650 |
| Total risk-based capital ratio | 11.0438% | 6,721 |
| Memoranda: | ||
| Average total assets | $120,194,200 | 4,357 |
| Average earning assets | $106,304,200 | 4,439 |
| Average equity | $10,094,000 | 4,965 |
| Average total loans | $74,155,000 | 4,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 4,794 |
| Cost of funding earning assets | 0.5865% | 4,777 |
| Net interest margin | 3.6216% | 4,142 |
| Noninterest income to average assets | 0.5085% | 3,864 |
| Noninterest expense to average assets | 2.1315% | 6,109 |
| Loan and lease loss provision to assets | 0.0908% | 4,464 |
| Net operating income to assets | 0.9920% | 2,548 |
| Return on assets (ROA) | 0.9920% | 2,776 |
| Pretax return on assets | 1.5379% | 1,763 |
| Return on Equity (ROE) | 11.6939% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.6800% | 1,769 |
| Net charge-offs to loans | 0.0662% | 4,758 |
| Credit loss provision to net charge-offs | 216.2162% | 1,286 |
| Earnings coverage of net charge-offs (x) | 38.7855% | 901 |
| Efficiency ratio | 56.6858% | 5,970 |
| Assets per employee ($millions) | 4.9234% | 2,291 |
| Cash dividends to net income (ytd only)* | 34.3251% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,374 |
| Loan loss allowance to noncurrent loans | 232.8877% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 5,933 |
| Noncurrent loans to loans | 0.5065% | 5,429 |
| Net loans and leases to total assets | 59.2888% | 3,910 |
| Net loans and leases to deposits | 66.2073% | 4,443 |
| Net loans and leases to core deposits | 72.8839% | 4,139 |
| Total domestic deposits to total assets | 89.5502% | 1,094 |
| Equity capital to assets | 8.4032% | 6,348 |
| Core capital (leverage) ratio | 8.6192% | 5,596 |
| Tier 1 risk-based capital ratio | 10.1846% | 6,757 |
| Total risk-based capital ratio | 11.0531% | 6,825 |
| Memoranda: | ||
| Average total assets | $117,472,250 | 4,456 |
| Average earning assets | $105,475,750 | 4,501 |
| Average equity | $9,965,000 | 5,030 |
| Average total loans | $74,483,500 | 4,244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 4,833 |
| Cost of funding earning assets | 0.6539% | 4,406 |
| Net interest margin | 3.5810% | 4,343 |
| Noninterest income to average assets | 0.5173% | 3,806 |
| Noninterest expense to average assets | 2.1972% | 6,018 |
| Loan and lease loss provision to assets | 0.0952% | 4,356 |
| Net operating income to assets | 0.9446% | 2,684 |
| Return on assets (ROA) | 0.9446% | 2,942 |
| Pretax return on assets | 1.4654% | 1,970 |
| Return on Equity (ROE) | 11.0987% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.0005% | 3,278 |
| Net charge-offs to loans | 0.0241% | 5,052 |
| Credit loss provision to net charge-offs | 611.1111% | 508 |
| Earnings coverage of net charge-offs (x) | 100.2222% | 428 |
| Efficiency ratio | 58.4715% | 5,808 |
| Assets per employee ($millions) | 3.4990% | 4,987 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,511 |
| Loan loss allowance to noncurrent loans | 348.2072% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,232 |
| Noncurrent loans to loans | 0.3342% | 5,877 |
| Net loans and leases to total assets | 64.2830% | 2,973 |
| Net loans and leases to deposits | 71.9799% | 3,612 |
| Net loans and leases to core deposits | 80.4616% | 3,152 |
| Total domestic deposits to total assets | 89.3068% | 1,327 |
| Equity capital to assets | 8.6536% | 6,071 |
| Core capital (leverage) ratio | 8.3130% | 5,891 |
| Tier 1 risk-based capital ratio | 10.0408% | 6,812 |
| Total risk-based capital ratio | 10.9284% | 6,883 |
| Memoranda: | ||
| Average total assets | $115,601,670 | 4,516 |
| Average earning assets | $104,606,330 | 4,546 |
| Average equity | $9,839,000 | 5,063 |
| Average total loans | $74,696,000 | 4,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 4,733 |
| Cost of funding earning assets | 0.7908% | 3,542 |
| Net interest margin | 3.5103% | 4,642 |
| Noninterest income to average assets | 0.5568% | 3,524 |
| Noninterest expense to average assets | 2.1371% | 6,183 |
| Loan and lease loss provision to assets | 0.1210% | 3,831 |
| Net operating income to assets | 0.9302% | 2,787 |
| Return on assets (ROA) | 0.9302% | 2,991 |
| Pretax return on assets | 1.4455% | 2,036 |
| Return on Equity (ROE) | 11.0218% | 2,008 |
| Retained earnings to average equity (ytd only) | -1.2702% | 6,188 |
| Net charge-offs to loans | 0.0107% | 4,567 |
| Credit loss provision to net charge-offs | 1,750.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 156 |
| Efficiency ratio | 57.7031% | 5,958 |
| Assets per employee ($millions) | 4.7537% | 2,586 |
| Cash dividends to net income (ytd only)* | 111.5242% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,644 |
| Loan loss allowance to noncurrent loans | 320.0743% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 6,317 |
| Noncurrent loans to loans | 0.3648% | 5,941 |
| Net loans and leases to total assets | 61.3238% | 3,387 |
| Net loans and leases to deposits | 68.5636% | 3,959 |
| Net loans and leases to core deposits | 77.0456% | 3,464 |
| Total domestic deposits to total assets | 89.4407% | 1,403 |
| Equity capital to assets | 8.1999% | 6,356 |
| Core capital (leverage) ratio | 8.2293% | 5,981 |
| Tier 1 risk-based capital ratio | 9.7630% | 6,924 |
| Total risk-based capital ratio | 10.6377% | 6,980 |
| Memoranda: | ||
| Average total assets | $115,669,500 | 4,549 |
| Average earning assets | $103,695,500 | 4,610 |
| Average equity | $9,762,500 | 5,100 |
| Average total loans | $74,494,500 | 4,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 3,769 |
| Cost of funding earning assets | 0.8011% | 4,862 |
| Net interest margin | 4.0087% | 2,841 |
| Noninterest income to average assets | 0.6350% | 2,975 |
| Noninterest expense to average assets | 2.2780% | 6,090 |
| Loan and lease loss provision to assets | 0.1250% | 5,048 |
| Net operating income to assets | 1.0880% | 1,873 |
| Return on assets (ROA) | 1.0880% | 1,997 |
| Pretax return on assets | 1.6807% | 1,032 |
| Return on Equity (ROE) | 12.6231% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.2093% | 1,015 |
| Net charge-offs to loans | 0.0531% | 5,788 |
| Credit loss provision to net charge-offs | 348.7179% | 662 |
| Earnings coverage of net charge-offs (x) | 50.3846% | 555 |
| Efficiency ratio | 55.7831% | 6,340 |
| Assets per employee ($millions) | 3.8792% | 4,132 |
| Cash dividends to net income (ytd only)* | 34.9662% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,809 |
| Loan loss allowance to noncurrent loans | 495.8084% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 6,579 |
| Noncurrent loans to loans | 0.2219% | 6,296 |
| Net loans and leases to total assets | 66.1544% | 2,758 |
| Net loans and leases to deposits | 74.8506% | 3,368 |
| Net loans and leases to core deposits | 85.0633% | 2,745 |
| Total domestic deposits to total assets | 88.3818% | 1,919 |
| Equity capital to assets | 8.6936% | 5,907 |
| Core capital (leverage) ratio | 8.6221% | 5,357 |
| Tier 1 risk-based capital ratio | 9.6048% | 6,937 |
| Total risk-based capital ratio | 10.4297% | 7,005 |
| Memoranda: | ||
| Average total assets | $108,822,400 | 4,670 |
| Average earning assets | $93,621,800 | 4,820 |
| Average equity | $9,379,600 | 5,190 |
| Average total loans | $73,398,200 | 4,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 3,539 |
| Cost of funding earning assets | 0.8225% | 4,990 |
| Net interest margin | 4.0806% | 2,549 |
| Noninterest income to average assets | 0.6351% | 2,965 |
| Noninterest expense to average assets | 2.3106% | 6,001 |
| Loan and lease loss provision to assets | 0.1236% | 4,890 |
| Net operating income to assets | 1.0935% | 1,994 |
| Return on assets (ROA) | 1.0935% | 2,142 |
| Pretax return on assets | 1.6891% | 1,166 |
| Return on Equity (ROE) | 12.7159% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.4054% | 1,352 |
| Net charge-offs to loans | 0.0421% | 5,562 |
| Credit loss provision to net charge-offs | 434.7826% | 645 |
| Earnings coverage of net charge-offs (x) | 63.7740% | 518 |
| Efficiency ratio | 56.0384% | 6,283 |
| Assets per employee ($millions) | 4.6078% | 2,743 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 6,091 |
| Loan loss allowance to noncurrent loans | 349.7835% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,541 |
| Noncurrent loans to loans | 0.2970% | 6,255 |
| Net loans and leases to total assets | 69.5965% | 2,160 |
| Net loans and leases to deposits | 78.7855% | 2,847 |
| Net loans and leases to core deposits | 89.8629% | 2,270 |
| Total domestic deposits to total assets | 88.3367% | 1,851 |
| Equity capital to assets | 8.6964% | 6,093 |
| Core capital (leverage) ratio | 8.6018% | 5,549 |
| Tier 1 risk-based capital ratio | 9.5607% | 7,047 |
| Total risk-based capital ratio | 10.3776% | 7,098 |
| Memoranda: | ||
| Average total assets | $107,904,000 | 4,718 |
| Average earning assets | $92,239,250 | 4,892 |
| Average equity | $9,279,500 | 5,237 |
| Average total loans | $72,935,500 | 4,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 3,302 |
| Cost of funding earning assets | 0.8488% | 5,070 |
| Net interest margin | 4.1230% | 2,331 |
| Noninterest income to average assets | 0.6504% | 2,835 |
| Noninterest expense to average assets | 2.3979% | 5,851 |
| Loan and lease loss provision to assets | 0.1121% | 4,894 |
| Net operating income to assets | 1.0223% | 2,130 |
| Return on assets (ROA) | 1.0223% | 2,228 |
| Pretax return on assets | 1.5812% | 1,292 |
| Return on Equity (ROE) | 11.9341% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.3889% | 2,746 |
| Net charge-offs to loans | 0.0308% | 5,413 |
| Credit loss provision to net charge-offs | 545.4545% | 563 |
| Earnings coverage of net charge-offs (x) | 82.3636% | 415 |
| Efficiency ratio | 58.6112% | 6,084 |
| Assets per employee ($millions) | 4.2555% | 3,243 |
| Cash dividends to net income (ytd only)* | 54.8446% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 6,279 |
| Loan loss allowance to noncurrent loans | 661.0169% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 6,829 |
| Noncurrent loans to loans | 0.1533% | 6,600 |
| Net loans and leases to total assets | 68.8789% | 2,439 |
| Net loans and leases to deposits | 77.7024% | 3,179 |
| Net loans and leases to core deposits | 88.8963% | 2,516 |
| Total domestic deposits to total assets | 88.6445% | 1,752 |
| Equity capital to assets | 8.3892% | 6,319 |
| Core capital (leverage) ratio | 8.2790% | 5,907 |
| Tier 1 risk-based capital ratio | 9.3929% | 7,121 |
| Total risk-based capital ratio | 10.1965% | 7,183 |
| Memoranda: | ||
| Average total assets | $107,010,000 | 4,779 |
| Average earning assets | $89,304,670 | 5,016 |
| Average equity | $9,167,000 | 5,279 |
| Average total loans | $71,323,330 | 4,525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 2,332 |
| Cost of funding earning assets | 0.9181% | 4,793 |
| Net interest margin | 4.2556% | 1,718 |
| Noninterest income to average assets | 0.6616% | 2,775 |
| Noninterest expense to average assets | 2.5667% | 5,339 |
| Loan and lease loss provision to assets | 0.1521% | 4,123 |
| Net operating income to assets | 0.8556% | 2,750 |
| Return on assets (ROA) | 0.8556% | 2,814 |
| Pretax return on assets | 1.3271% | 1,955 |
| Return on Equity (ROE) | 9.8798% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.8798% | 1,145 |
| Net charge-offs to loans | 0.0175% | 4,835 |
| Credit loss provision to net charge-offs | 1,333.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 245 |
| Efficiency ratio | 63.4398% | 5,453 |
| Assets per employee ($millions) | 3.9863% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 6,054 |
| Loan loss allowance to noncurrent loans | 362.2642% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 6,664 |
| Noncurrent loans to loans | 0.3031% | 6,383 |
| Net loans and leases to total assets | 64.2724% | 3,391 |
| Net loans and leases to deposits | 72.3283% | 4,014 |
| Net loans and leases to core deposits | 82.0663% | 3,445 |
| Total domestic deposits to total assets | 88.8619% | 1,861 |
| Equity capital to assets | 8.5384% | 5,851 |
| Core capital (leverage) ratio | 8.6682% | 5,143 |
| Tier 1 risk-based capital ratio | 10.0256% | 6,994 |
| Total risk-based capital ratio | 10.8720% | 7,128 |
| Memoranda: | ||
| Average total assets | $105,194,000 | 4,861 |
| Average earning assets | $83,655,000 | 5,244 |
| Average equity | $9,109,500 | 5,284 |
| Average total loans | $68,490,500 | 4,670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 2,436 |
| Cost of funding earning assets | 0.9530% | 5,919 |
| Net interest margin | 4.5069% | 1,215 |
| Noninterest income to average assets | 0.7069% | 2,803 |
| Noninterest expense to average assets | 2.6113% | 5,368 |
| Loan and lease loss provision to assets | 0.0867% | 6,286 |
| Net operating income to assets | 1.3022% | 1,168 |
| Return on assets (ROA) | 1.3022% | 1,227 |
| Pretax return on assets | 1.9931% | 484 |
| Return on Equity (ROE) | 13.7214% | 939 |
| Retained earnings to average equity (ytd only) | -13.6268% | 6,823 |
| Net charge-offs to loans | 0.3987% | 4,049 |
| Credit loss provision to net charge-offs | 30.1038% | 6,493 |
| Earnings coverage of net charge-offs (x) | 7.2180% | 2,175 |
| Efficiency ratio | 55.6642% | 6,637 |
| Assets per employee ($millions) | 3.6699% | 4,525 |
| Cash dividends to net income (ytd only)* | 199.3109% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,981 |
| Loan loss allowance to noncurrent loans | 280.0766% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 6,607 |
| Noncurrent loans to loans | 0.3893% | 6,270 |
| Net loans and leases to total assets | 64.5260% | 3,753 |
| Net loans and leases to deposits | 72.8106% | 4,377 |
| Net loans and leases to core deposits | 82.2133% | 3,879 |
| Total domestic deposits to total assets | 88.6217% | 1,876 |
| Equity capital to assets | 8.7867% | 5,455 |
| Core capital (leverage) ratio | 8.7347% | 4,964 |
| Tier 1 risk-based capital ratio | 10.7820% | 6,505 |
| Total risk-based capital ratio | 11.6705% | 6,727 |
| Memoranda: | ||
| Average total assets | $100,294,400 | 4,980 |
| Average earning assets | $88,664,600 | 5,063 |
| Average equity | $9,518,000 | 5,259 |
| Average total loans | $72,490,800 | 4,592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 2,583 |
| Cost of funding earning assets | 0.9554% | 6,147 |
| Net interest margin | 4.5099% | 1,237 |
| Noninterest income to average assets | 0.6889% | 2,884 |
| Noninterest expense to average assets | 2.6163% | 5,256 |
| Loan and lease loss provision to assets | 0.0655% | 6,408 |
| Net operating income to assets | 1.3724% | 1,162 |
| Return on assets (ROA) | 1.3724% | 1,244 |
| Pretax return on assets | 2.0987% | 501 |
| Return on Equity (ROE) | 14.1902% | 991 |
| Retained earnings to average equity (ytd only) | -14.0242% | 7,039 |
| Net charge-offs to loans | 0.4279% | 3,580 |
| Credit loss provision to net charge-offs | 20.6751% | 6,243 |
| Earnings coverage of net charge-offs (x) | 6.8271% | 2,444 |
| Efficiency ratio | 54.7286% | 6,718 |
| Assets per employee ($millions) | 3.6810% | 4,547 |
| Cash dividends to net income (ytd only)* | 198.8297% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,172 |
| Loan loss allowance to noncurrent loans | 160.2151% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 6,257 |
| Noncurrent loans to loans | 0.6544% | 5,900 |
| Net loans and leases to total assets | 70.7437% | 2,548 |
| Net loans and leases to deposits | 80.4389% | 3,369 |
| Net loans and leases to core deposits | 91.4685% | 2,882 |
| Total domestic deposits to total assets | 87.9471% | 1,992 |
| Equity capital to assets | 9.3624% | 5,033 |
| Core capital (leverage) ratio | 9.2394% | 4,296 |
| Tier 1 risk-based capital ratio | 11.0191% | 6,365 |
| Total risk-based capital ratio | 11.9158% | 6,651 |
| Memoranda: | ||
| Average total assets | $99,678,750 | 5,060 |
| Average earning assets | $90,435,000 | 5,051 |
| Average equity | $9,640,250 | 5,307 |
| Average total loans | $73,854,500 | 4,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4217% | 2,880 |
| Cost of funding earning assets | 0.9631% | 6,322 |
| Net interest margin | 4.4586% | 1,295 |
| Noninterest income to average assets | 0.6895% | 2,764 |
| Noninterest expense to average assets | 2.5718% | 5,448 |
| Loan and lease loss provision to assets | 0.0341% | 6,613 |
| Net operating income to assets | 1.4192% | 1,061 |
| Return on assets (ROA) | 1.4192% | 1,127 |
| Pretax return on assets | 2.1669% | 431 |
| Return on Equity (ROE) | 14.5201% | 941 |
| Retained earnings to average equity (ytd only) | -10.0902% | 6,921 |
| Net charge-offs to loans | 0.5402% | 2,907 |
| Credit loss provision to net charge-offs | 8.4158% | 5,959 |
| Earnings coverage of net charge-offs (x) | 5.4356% | 2,667 |
| Efficiency ratio | 53.8849% | 6,893 |
| Assets per employee ($millions) | 3.5347% | 4,829 |
| Cash dividends to net income (ytd only)* | 169.4915% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 6,297 |
| Loan loss allowance to noncurrent loans | 215.5620% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 6,549 |
| Noncurrent loans to loans | 0.4750% | 6,301 |
| Net loans and leases to total assets | 73.0578% | 2,154 |
| Net loans and leases to deposits | 83.4962% | 2,974 |
| Net loans and leases to core deposits | 95.5354% | 2,504 |
| Total domestic deposits to total assets | 87.4984% | 2,254 |
| Equity capital to assets | 9.8584% | 4,191 |
| Core capital (leverage) ratio | 9.7026% | 3,534 |
| Tier 1 risk-based capital ratio | 11.5534% | 5,718 |
| Total risk-based capital ratio | 12.4466% | 6,026 |
| Memoranda: | ||
| Average total assets | $99,776,000 | 5,083 |
| Average earning assets | $91,373,670 | 5,050 |
| Average equity | $9,752,000 | 5,273 |
| Average total loans | $74,787,670 | 4,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 3,700 |
| Cost of funding earning assets | 0.9889% | 6,425 |
| Net interest margin | 4.2781% | 1,760 |
| Noninterest income to average assets | 0.6788% | 2,747 |
| Noninterest expense to average assets | 2.5754% | 5,450 |
| Loan and lease loss provision to assets | -0.0120% | 7,840 |
| Net operating income to assets | 1.3336% | 1,216 |
| Return on assets (ROA) | 1.3336% | 1,288 |
| Pretax return on assets | 2.0364% | 573 |
| Return on Equity (ROE) | 13.7033% | 1,105 |
| Retained earnings to average equity (ytd only) | -35.5300% | 7,602 |
| Net charge-offs to loans | 1.0099% | 1,630 |
| Credit loss provision to net charge-offs | -1.5707% | 5,944 |
| Earnings coverage of net charge-offs (x) | 2.6545% | 3,203 |
| Efficiency ratio | 55.9896% | 6,765 |
| Assets per employee ($millions) | 3.5254% | 4,973 |
| Cash dividends to net income (ytd only)* | 359.2814% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,321 |
| Loan loss allowance to noncurrent loans | 192.4479% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 6,497 |
| Noncurrent loans to loans | 0.5350% | 6,223 |
| Net loans and leases to total assets | 71.9603% | 2,460 |
| Net loans and leases to deposits | 81.6178% | 3,347 |
| Net loans and leases to core deposits | 93.3600% | 2,926 |
| Total domestic deposits to total assets | 88.1674% | 1,962 |
| Equity capital to assets | 9.3861% | 4,700 |
| Core capital (leverage) ratio | 9.2828% | 4,083 |
| Tier 1 risk-based capital ratio | 11.1937% | 5,969 |
| Total risk-based capital ratio | 12.0830% | 6,293 |
| Memoranda: | ||
| Average total assets | $100,178,500 | 5,140 |
| Average earning assets | $91,815,500 | 5,108 |
| Average equity | $9,749,500 | 5,312 |
| Average total loans | $75,654,500 | 4,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8211% | 365 |
| Cost of funding earning assets | 1.7040% | 4,485 |
| Net interest margin | 5.1171% | 349 |
| Noninterest income to average assets | 0.6662% | 3,183 |
| Noninterest expense to average assets | 2.4599% | 6,270 |
| Loan and lease loss provision to assets | 1.2786% | 1,808 |
| Net operating income to assets | 1.0905% | 1,537 |
| Return on assets (ROA) | 1.0905% | 1,584 |
| Pretax return on assets | 1.6585% | 854 |
| Return on Equity (ROE) | 11.6705% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.0298% | 691 |
| Net charge-offs to loans | 1.4480% | 1,734 |
| Credit loss provision to net charge-offs | 110.9016% | 4,957 |
| Earnings coverage of net charge-offs (x) | 2.5475% | 3,850 |
| Efficiency ratio | 45.5787% | 7,732 |
| Assets per employee ($millions) | 3.6303% | 4,695 |
| Cash dividends to net income (ytd only)* | 31.1958% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,515 |
| Loan loss allowance to noncurrent loans | 118.2510% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 5,553 |
| Noncurrent loans to loans | 0.9920% | 5,332 |
| Net loans and leases to total assets | 77.3314% | 1,514 |
| Net loans and leases to deposits | 88.4723% | 2,477 |
| Net loans and leases to core deposits | 105.3658% | 3,410 |
| Total domestic deposits to total assets | 87.4074% | 2,261 |
| Equity capital to assets | 10.0682% | 3,668 |
| Core capital (leverage) ratio | 9.8857% | 3,221 |
| Tier 1 risk-based capital ratio | 10.9952% | 5,914 |
| Total risk-based capital ratio | 12.0041% | 6,124 |
| Memoranda: | ||
| Average total assets | $105,818,400 | 4,932 |
| Average earning assets | $97,828,200 | 4,898 |
| Average equity | $9,888,200 | 5,325 |
| Average total loans | $84,255,400 | 4,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7337% | 479 |
| Cost of funding earning assets | 1.8488% | 4,164 |
| Net interest margin | 4.8848% | 572 |
| Noninterest income to average assets | 0.6276% | 3,512 |
| Noninterest expense to average assets | 2.4268% | 6,328 |
| Loan and lease loss provision to assets | 1.1342% | 1,723 |
| Net operating income to assets | 1.0506% | 1,897 |
| Return on assets (ROA) | 1.0506% | 1,961 |
| Pretax return on assets | 1.5896% | 1,194 |
| Return on Equity (ROE) | 11.4535% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.4535% | 421 |
| Net charge-offs to loans | 1.3515% | 1,523 |
| Credit loss provision to net charge-offs | 104.9654% | 4,836 |
| Earnings coverage of net charge-offs (x) | 2.5208% | 3,966 |
| Efficiency ratio | 47.1172% | 7,712 |
| Assets per employee ($millions) | 3.6373% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,457 |
| Loan loss allowance to noncurrent loans | 64.3511% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 4,582 |
| Noncurrent loans to loans | 1.5032% | 4,407 |
| Net loans and leases to total assets | 81.8208% | 841 |
| Net loans and leases to deposits | 95.0319% | 1,708 |
| Net loans and leases to core deposits | 112.5122% | 2,969 |
| Total domestic deposits to total assets | 86.0982% | 2,652 |
| Equity capital to assets | 9.7513% | 4,421 |
| Core capital (leverage) ratio | 9.5990% | 3,791 |
| Tier 1 risk-based capital ratio | 10.3016% | 6,681 |
| Total risk-based capital ratio | 11.1517% | 7,018 |
| Memoranda: | ||
| Average total assets | $106,861,250 | 4,937 |
| Average earning assets | $98,943,250 | 4,892 |
| Average equity | $9,801,750 | 5,398 |
| Average total loans | $85,434,750 | 4,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5480% | 733 |
| Cost of funding earning assets | 1.9670% | 3,929 |
| Net interest margin | 4.5810% | 998 |
| Noninterest income to average assets | 0.6168% | 3,556 |
| Noninterest expense to average assets | 2.3928% | 6,488 |
| Loan and lease loss provision to assets | 1.1088% | 1,548 |
| Net operating income to assets | 0.8889% | 2,497 |
| Return on assets (ROA) | 0.8889% | 2,610 |
| Pretax return on assets | 1.3511% | 1,870 |
| Return on Equity (ROE) | 9.8959% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.8959% | 756 |
| Net charge-offs to loans | 1.1854% | 1,542 |
| Credit loss provision to net charge-offs | 118.2903% | 3,930 |
| Earnings coverage of net charge-offs (x) | 2.6243% | 3,761 |
| Efficiency ratio | 49.3088% | 7,704 |
| Assets per employee ($millions) | 3.8451% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 6,061 |
| Loan loss allowance to noncurrent loans | 64.6846% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 4,376 |
| Noncurrent loans to loans | 1.5810% | 4,126 |
| Net loans and leases to total assets | 80.1852% | 1,281 |
| Net loans and leases to deposits | 90.9665% | 2,662 |
| Net loans and leases to core deposits | 109.5073% | 3,431 |
| Total domestic deposits to total assets | 88.1481% | 1,692 |
| Equity capital to assets | 9.1973% | 5,016 |
| Core capital (leverage) ratio | 9.0824% | 4,493 |
| Tier 1 risk-based capital ratio | 9.9642% | 6,969 |
| Total risk-based capital ratio | 10.8664% | 7,256 |
| Memoranda: | ||
| Average total assets | $107,320,670 | 4,956 |
| Average earning assets | $99,237,000 | 4,916 |
| Average equity | $9,640,330 | 5,478 |
| Average total loans | $84,863,000 | 4,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4172% | 1,032 |
| Cost of funding earning assets | 2.0723% | 3,783 |
| Net interest margin | 4.3449% | 1,476 |
| Noninterest income to average assets | 0.6608% | 3,129 |
| Noninterest expense to average assets | 2.2996% | 6,544 |
| Loan and lease loss provision to assets | 1.1386% | 1,142 |
| Net operating income to assets | 0.7839% | 3,196 |
| Return on assets (ROA) | 0.7839% | 3,361 |
| Pretax return on assets | 1.1909% | 2,658 |
| Return on Equity (ROE) | 8.8333% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.8333% | 1,535 |
| Net charge-offs to loans | 1.2380% | 1,131 |
| Credit loss provision to net charge-offs | 117.7606% | 3,321 |
| Earnings coverage of net charge-offs (x) | 2.4093% | 3,528 |
| Efficiency ratio | 49.6774% | 7,608 |
| Assets per employee ($millions) | 3.8656% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 6,137 |
| Loan loss allowance to noncurrent loans | 121.3773% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,560 |
| Noncurrent loans to loans | 0.8283% | 5,375 |
| Net loans and leases to total assets | 76.9644% | 2,048 |
| Net loans and leases to deposits | 86.7840% | 3,513 |
| Net loans and leases to core deposits | 104.3701% | 4,098 |
| Total domestic deposits to total assets | 88.6850% | 1,388 |
| Equity capital to assets | 8.8999% | 5,478 |
| Core capital (leverage) ratio | 8.9805% | 4,740 |
| Tier 1 risk-based capital ratio | 9.7193% | 7,232 |
| Total risk-based capital ratio | 10.5772% | 7,539 |
| Memoranda: | ||
| Average total assets | $107,150,000 | 4,978 |
| Average earning assets | $97,861,500 | 4,974 |
| Average equity | $9,509,500 | 5,533 |
| Average total loans | $83,684,000 | 4,504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2859% | 611 |
| Cost of funding earning assets | 2.5071% | 4,170 |
| Net interest margin | 4.7788% | 811 |
| Noninterest income to average assets | 0.8013% | 2,506 |
| Noninterest expense to average assets | 2.5493% | 5,831 |
| Loan and lease loss provision to assets | 0.6569% | 2,214 |
| Net operating income to assets | 1.3128% | 1,451 |
| Return on assets (ROA) | 1.3128% | 1,407 |
| Pretax return on assets | 1.9737% | 653 |
| Return on Equity (ROE) | 14.3502% | 1,040 |
| Retained earnings to average equity (ytd only) | 10.6154% | 372 |
| Net charge-offs to loans | 0.7508% | 1,652 |
| Credit loss provision to net charge-offs | 107.3090% | 5,001 |
| Earnings coverage of net charge-offs (x) | 4.2973% | 4,039 |
| Efficiency ratio | 49.2148% | 7,716 |
| Assets per employee ($millions) | 3.6573% | 4,271 |
| Cash dividends to net income (ytd only)* | 26.0263% | 4,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,332 |
| Loan loss allowance to noncurrent loans | 145.1906% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 5,622 |
| Noncurrent loans to loans | 0.6621% | 5,379 |
| Net loans and leases to total assets | 77.7066% | 2,217 |
| Net loans and leases to deposits | 87.6312% | 3,850 |
| Net loans and leases to core deposits | 103.6378% | 4,430 |
| Total domestic deposits to total assets | 88.6747% | 1,169 |
| Equity capital to assets | 8.8495% | 5,564 |
| Core capital (leverage) ratio | 9.1160% | 4,566 |
| Tier 1 risk-based capital ratio | 9.3367% | 7,479 |
| Total risk-based capital ratio | 10.1336% | 7,889 |
| Memoranda: | ||
| Average total assets | $98,341,000 | 5,103 |
| Average earning assets | $90,105,400 | 5,077 |
| Average equity | $8,996,400 | 5,739 |
| Average total loans | $80,178,000 | 4,509 |