Home > First Missouri Bank of SEMO > Performance and Condition Ratios
First Missouri Bank of SEMO, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0613% | 1,102 |
| Cost of funding earning assets | 1.5132% | 3,163 |
| Net interest margin | 4.5481% | 575 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.7460% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.9416% | 499 |
| Return on assets (ROA) | 1.9416% | 501 |
| Pretax return on assets | 1.9416% | 772 |
| Return on Equity (ROE) | 19.4800% | 482 |
| Retained earnings to average equity (ytd only) | -10.3359% | 4,258 |
| Net charge-offs to loans | 0.0067% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 326.6667% | 287 |
| Efficiency ratio | 58.5799% | 3,124 |
| Assets per employee ($millions) | 4.7100% | 3,820 |
| Cash dividends to net income (ytd only)* | 153.0612% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 462 |
| Loan loss allowance to noncurrent loans | 724.7881% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,362 |
| Noncurrent loans to loans | 0.2611% | 2,556 |
| Net loans and leases to total assets | 87.5600% | 78 |
| Net loans and leases to deposits | 97.7457% | 513 |
| Net loans and leases to core deposits | 110.2375% | 841 |
| Total domestic deposits to total assets | 89.5800% | 958 |
| Equity capital to assets | 9.8810% | 2,300 |
| Core capital (leverage) ratio | 10.1206% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $201,896,000 | 3,004 |
| Average earning assets | $189,002,500 | 2,987 |
| Average equity | $20,124,000 | 2,998 |
| Average total loans | $179,200,000 | 2,539 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3037% | 910 |
| Cost of funding earning assets | 1.7873% | 2,753 |
| Net interest margin | 4.5164% | 628 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.6073% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.0122% | 382 |
| Return on assets (ROA) | 2.0122% | 384 |
| Pretax return on assets | 2.0122% | 594 |
| Return on Equity (ROE) | 20.8200% | 355 |
| Retained earnings to average equity (ytd only) | -18.7585% | 4,450 |
| Net charge-offs to loans | -0.0211% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 56.4406% | 3,517 |
| Assets per employee ($millions) | 4.6805% | 3,839 |
| Cash dividends to net income (ytd only)* | 190.0866% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 426 |
| Loan loss allowance to noncurrent loans | 48,914.2857% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,764 |
| Noncurrent loans to loans | 0.0039% | 3,746 |
| Net loans and leases to total assets | 86.5600% | 125 |
| Net loans and leases to deposits | 100.2157% | 479 |
| Net loans and leases to core deposits | 109.3133% | 964 |
| Total domestic deposits to total assets | 86.3800% | 2,088 |
| Equity capital to assets | 10.0546% | 2,099 |
| Core capital (leverage) ratio | 9.7260% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $206,536,000 | 2,956 |
| Average earning assets | $193,362,600 | 2,935 |
| Average equity | $19,959,000 | 2,979 |
| Average total loans | $175,100,400 | 2,535 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2002% | 995 |
| Cost of funding earning assets | 1.8213% | 2,658 |
| Net interest margin | 4.3789% | 739 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.5889% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.9090% | 497 |
| Return on assets (ROA) | 1.9090% | 502 |
| Pretax return on assets | 1.9090% | 745 |
| Return on Equity (ROE) | 19.9500% | 433 |
| Retained earnings to average equity (ytd only) | -33.0078% | 4,520 |
| Net charge-offs to loans | -0.0382% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.5585% | 3,397 |
| Assets per employee ($millions) | 5.4299% | 3,337 |
| Cash dividends to net income (ytd only)* | 265.4570% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 479 |
| Loan loss allowance to noncurrent loans | 117,300.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,437 |
| Noncurrent loans to loans | 0.0016% | 3,804 |
| Net loans and leases to total assets | 84.4800% | 230 |
| Net loans and leases to deposits | 103.7171% | 331 |
| Net loans and leases to core deposits | 132.4397% | 358 |
| Total domestic deposits to total assets | 81.4500% | 3,214 |
| Equity capital to assets | 8.7829% | 3,185 |
| Core capital (leverage) ratio | 9.0744% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $207,854,500 | 2,942 |
| Average earning assets | $194,504,500 | 2,923 |
| Average equity | $19,889,750 | 2,975 |
| Average total loans | $174,465,250 | 2,538 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 1,088 |
| Cost of funding earning assets | 1.5138% | 3,256 |
| Net interest margin | 4.5403% | 591 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.6336% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.0387% | 420 |
| Return on assets (ROA) | 2.0387% | 417 |
| Pretax return on assets | 2.0387% | 606 |
| Return on Equity (ROE) | 20.7000% | 411 |
| Retained earnings to average equity (ytd only) | -52.7057% | 4,552 |
| Net charge-offs to loans | -0.0646% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.3663% | 3,545 |
| Assets per employee ($millions) | 4.9160% | 3,681 |
| Cash dividends to net income (ytd only)* | 354.5759% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 405 |
| Loan loss allowance to noncurrent loans | 44,050.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,341 |
| Noncurrent loans to loans | 0.0045% | 3,761 |
| Net loans and leases to total assets | 86.3200% | 142 |
| Net loans and leases to deposits | 98.1219% | 646 |
| Net loans and leases to core deposits | 123.6204% | 537 |
| Total domestic deposits to total assets | 87.9700% | 1,340 |
| Equity capital to assets | 9.0460% | 2,703 |
| Core capital (leverage) ratio | 9.2876% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $204,741,333 | 2,964 |
| Average earning assets | $191,836,333 | 2,941 |
| Average equity | $20,161,000 | 2,932 |
| Average total loans | $170,285,333 | 2,563 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 1,115 |
| Cost of funding earning assets | 1.2204% | 3,690 |
| Net interest margin | 4.7409% | 440 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.6268% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2217% | 337 |
| Return on assets (ROA) | 2.2217% | 340 |
| Pretax return on assets | 2.2217% | 468 |
| Return on Equity (ROE) | 21.7000% | 356 |
| Retained earnings to average equity (ytd only) | -91.9101% | 4,537 |
| Net charge-offs to loans | -0.0408% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.1783% | 3,745 |
| Assets per employee ($millions) | 4.8872% | 3,719 |
| Cash dividends to net income (ytd only)* | 523.5602% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 319 |
| Loan loss allowance to noncurrent loans | 3,486.0000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,980 |
| Noncurrent loans to loans | 0.0606% | 3,331 |
| Net loans and leases to total assets | 82.5800% | 366 |
| Net loans and leases to deposits | 91.7189% | 1,066 |
| Net loans and leases to core deposits | 101.7112% | 1,316 |
| Total domestic deposits to total assets | 90.0400% | 781 |
| Equity capital to assets | 9.5577% | 2,287 |
| Core capital (leverage) ratio | 9.2385% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $206,333,000 | 2,958 |
| Average earning assets | $193,379,500 | 2,935 |
| Average equity | $21,125,000 | 2,872 |
| Average total loans | $166,678,000 | 2,592 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 856 |
| Cost of funding earning assets | 0.9145% | 3,487 |
| Net interest margin | 4.8664% | 384 |
| Noninterest income to average assets | 2.6900% | 200 |
| Noninterest expense to average assets | 2.7071% | 1,718 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 4.3144% | 89 |
| Return on assets (ROA) | 4.3144% | 90 |
| Pretax return on assets | 4.3144% | 105 |
| Return on Equity (ROE) | 42.4000% | 80 |
| Retained earnings to average equity (ytd only) | 16.5452% | 240 |
| Net charge-offs to loans | -0.0273% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.2246% | 4,417 |
| Assets per employee ($millions) | 5.1709% | 3,503 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 341 |
| Loan loss allowance to noncurrent loans | 255.6374% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 872 |
| Noncurrent loans to loans | 0.8057% | 963 |
| Net loans and leases to total assets | 75.9600% | 1,119 |
| Net loans and leases to deposits | 85.4863% | 1,654 |
| Net loans and leases to core deposits | 88.1061% | 2,171 |
| Total domestic deposits to total assets | 88.8500% | 1,105 |
| Equity capital to assets | 10.8510% | 1,562 |
| Core capital (leverage) ratio | 10.7527% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $210,966,600 | 2,904 |
| Average earning assets | $198,584,800 | 2,883 |
| Average equity | $21,468,400 | 2,736 |
| Average total loans | $168,411,800 | 2,536 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 871 |
| Cost of funding earning assets | 0.8177% | 3,479 |
| Net interest margin | 4.8151% | 402 |
| Noninterest income to average assets | 3.1900% | 188 |
| Noninterest expense to average assets | 2.6626% | 1,756 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 4.7229% | 89 |
| Return on assets (ROA) | 4.7229% | 89 |
| Pretax return on assets | 4.7229% | 101 |
| Return on Equity (ROE) | 47.2200% | 78 |
| Retained earnings to average equity (ytd only) | 16.0296% | 453 |
| Net charge-offs to loans | -0.0602% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 34.4793% | 4,470 |
| Assets per employee ($millions) | 4.9852% | 3,616 |
| Cash dividends to net income (ytd only)* | 66.0555% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 504 |
| Loan loss allowance to noncurrent loans | 177.6650% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 583 |
| Noncurrent loans to loans | 1.0519% | 764 |
| Net loans and leases to total assets | 85.7300% | 171 |
| Net loans and leases to deposits | 96.1077% | 750 |
| Net loans and leases to core deposits | 113.7922% | 738 |
| Total domestic deposits to total assets | 89.2100% | 1,186 |
| Equity capital to assets | 10.4221% | 1,591 |
| Core capital (leverage) ratio | 10.8896% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,413,500 | 2,925 |
| Average earning assets | $197,126,750 | 2,895 |
| Average equity | $20,944,000 | 2,768 |
| Average total loans | $168,407,000 | 2,539 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 886 |
| Cost of funding earning assets | 0.5465% | 3,892 |
| Net interest margin | 4.9126% | 345 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.4364% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6492% | 208 |
| Return on assets (ROA) | 2.6492% | 207 |
| Pretax return on assets | 2.6492% | 295 |
| Return on Equity (ROE) | 26.8800% | 296 |
| Retained earnings to average equity (ytd only) | 11.2509% | 1,136 |
| Net charge-offs to loans | -0.0938% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.9084% | 4,070 |
| Assets per employee ($millions) | 4.6850% | 3,833 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 716 |
| Loan loss allowance to noncurrent loans | 1,401.4151% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,801 |
| Noncurrent loans to loans | 0.1228% | 2,863 |
| Net loans and leases to total assets | 84.2300% | 254 |
| Net loans and leases to deposits | 94.4157% | 822 |
| Net loans and leases to core deposits | 102.3939% | 1,115 |
| Total domestic deposits to total assets | 89.2100% | 1,173 |
| Equity capital to assets | 10.4713% | 1,612 |
| Core capital (leverage) ratio | 10.6972% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $207,764,000 | 2,949 |
| Average earning assets | $195,783,667 | 2,922 |
| Average equity | $20,478,333 | 2,821 |
| Average total loans | $162,116,333 | 2,581 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 832 |
| Cost of funding earning assets | 0.4000% | 3,964 |
| Net interest margin | 4.8962% | 328 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3952% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7006% | 204 |
| Return on assets (ROA) | 2.7006% | 201 |
| Pretax return on assets | 2.7006% | 288 |
| Return on Equity (ROE) | 28.2400% | 280 |
| Retained earnings to average equity (ytd only) | 14.3580% | 895 |
| Net charge-offs to loans | -0.1428% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0041% | 4,161 |
| Assets per employee ($millions) | 4.8059% | 3,796 |
| Cash dividends to net income (ytd only)* | 49.1573% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 584 |
| Loan loss allowance to noncurrent loans | 1,239.4958% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,735 |
| Noncurrent loans to loans | 0.1502% | 2,742 |
| Net loans and leases to total assets | 73.5200% | 1,262 |
| Net loans and leases to deposits | 81.6872% | 1,681 |
| Net loans and leases to core deposits | 82.7124% | 2,082 |
| Total domestic deposits to total assets | 90.0100% | 1,151 |
| Equity capital to assets | 9.7333% | 1,975 |
| Core capital (leverage) ratio | 9.4382% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $210,918,500 | 2,965 |
| Average earning assets | $199,010,500 | 2,938 |
| Average equity | $20,170,000 | 2,875 |
| Average total loans | $156,848,000 | 2,648 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 1,474 |
| Cost of funding earning assets | 0.2663% | 3,191 |
| Net interest margin | 3.8360% | 1,090 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.2816% | 2,802 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.8346% | 405 |
| Return on assets (ROA) | 1.8346% | 387 |
| Pretax return on assets | 1.8346% | 672 |
| Return on Equity (ROE) | 19.9700% | 483 |
| Retained earnings to average equity (ytd only) | 0.3096% | 4,298 |
| Net charge-offs to loans | -0.0696% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.1879% | 3,661 |
| Assets per employee ($millions) | 5.2594% | 3,460 |
| Cash dividends to net income (ytd only)* | 98.4494% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 544 |
| Loan loss allowance to noncurrent loans | 1,146.6926% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 2,674 |
| Noncurrent loans to loans | 0.1655% | 2,657 |
| Net loans and leases to total assets | 72.4100% | 1,370 |
| Net loans and leases to deposits | 80.0840% | 1,765 |
| Net loans and leases to core deposits | 81.6211% | 2,035 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 9.3917% | 2,082 |
| Core capital (leverage) ratio | 9.3413% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $221,464,200 | 2,895 |
| Average earning assets | $209,565,400 | 2,862 |
| Average equity | $20,347,000 | 2,925 |
| Average total loans | $158,131,800 | 2,553 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 1,712 |
| Cost of funding earning assets | 0.2486% | 2,725 |
| Net interest margin | 3.5662% | 1,475 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2589% | 2,762 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5804% | 686 |
| Return on assets (ROA) | 1.5804% | 668 |
| Pretax return on assets | 1.5804% | 1,171 |
| Return on Equity (ROE) | 17.2900% | 745 |
| Retained earnings to average equity (ytd only) | 4.2808% | 3,353 |
| Net charge-offs to loans | -0.0395% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4731% | 3,328 |
| Assets per employee ($millions) | 4.5479% | 4,018 |
| Cash dividends to net income (ytd only)* | 75.2445% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 860 |
| Loan loss allowance to noncurrent loans | 866.0661% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,477 |
| Noncurrent loans to loans | 0.1972% | 2,614 |
| Net loans and leases to total assets | 81.0900% | 436 |
| Net loans and leases to deposits | 90.2971% | 874 |
| Net loans and leases to core deposits | 92.6182% | 1,159 |
| Total domestic deposits to total assets | 89.8000% | 1,744 |
| Equity capital to assets | 9.9161% | 1,663 |
| Core capital (leverage) ratio | 9.7103% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2474% | 1,960 |
| Memoranda: | ||
| Average total assets | $224,236,000 | 2,895 |
| Average earning assets | $212,356,750 | 2,864 |
| Average equity | $20,494,250 | 2,951 |
| Average total loans | $158,846,250 | 2,555 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 2,243 |
| Cost of funding earning assets | 0.2319% | 2,476 |
| Net interest margin | 3.2305% | 2,105 |
| Noninterest income to average assets | 0.5443% | 1,976 |
| Noninterest expense to average assets | 2.1633% | 2,963 |
| Loan and lease loss provision to assets | 0.0260% | 2,133 |
| Net operating income to assets | 1.4214% | 857 |
| Return on assets (ROA) | 1.4214% | 839 |
| Pretax return on assets | 1.4214% | 1,380 |
| Return on Equity (ROE) | 15.9525% | 710 |
| Retained earnings to average equity (ytd only) | 15.9525% | 193 |
| Net charge-offs to loans | -0.0116% | 3,634 |
| Credit loss provision to net charge-offs | -333.3333% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9136% | 3,306 |
| Assets per employee ($millions) | 4.9035% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 894 |
| Loan loss allowance to noncurrent loans | 628.8248% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,120 |
| Noncurrent loans to loans | 0.2765% | 2,365 |
| Net loans and leases to total assets | 71.0605% | 1,197 |
| Net loans and leases to deposits | 78.6766% | 1,488 |
| Net loans and leases to core deposits | 80.4558% | 1,688 |
| Total domestic deposits to total assets | 90.3196% | 1,569 |
| Equity capital to assets | 9.4782% | 2,033 |
| Core capital (leverage) ratio | 9.5501% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9960% | 1,707 |
| Memoranda: | ||
| Average total assets | $230,762,333 | 2,882 |
| Average earning assets | $219,039,667 | 2,856 |
| Average equity | $20,561,000 | 3,009 |
| Average total loans | $155,514,667 | 2,590 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 2,469 |
| Cost of funding earning assets | 0.2381% | 2,286 |
| Net interest margin | 3.0343% | 2,387 |
| Noninterest income to average assets | 0.3737% | 2,852 |
| Noninterest expense to average assets | 2.1289% | 3,052 |
| Loan and lease loss provision to assets | 0.0257% | 1,902 |
| Net operating income to assets | 1.1021% | 1,526 |
| Return on assets (ROA) | 1.1021% | 1,516 |
| Pretax return on assets | 1.1021% | 2,136 |
| Return on Equity (ROE) | 12.7630% | 1,092 |
| Retained earnings to average equity (ytd only) | 12.7630% | 490 |
| Net charge-offs to loans | -0.0290% | 4,077 |
| Credit loss provision to net charge-offs | -136.3636% | 2,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3684% | 2,851 |
| Assets per employee ($millions) | 4.8741% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 803 |
| Loan loss allowance to noncurrent loans | 910.6452% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,549 |
| Noncurrent loans to loans | 0.2036% | 2,806 |
| Net loans and leases to total assets | 65.2394% | 1,493 |
| Net loans and leases to deposits | 71.7635% | 1,801 |
| Net loans and leases to core deposits | 73.4385% | 1,982 |
| Total domestic deposits to total assets | 90.9089% | 1,081 |
| Equity capital to assets | 8.9130% | 2,792 |
| Core capital (leverage) ratio | 8.5786% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0806% | 1,773 |
| Memoranda: | ||
| Average total assets | $233,363,500 | 2,879 |
| Average earning assets | $221,733,000 | 2,853 |
| Average equity | $20,152,000 | 3,132 |
| Average total loans | $151,712,000 | 2,618 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 1,800 |
| Cost of funding earning assets | 0.3007% | 2,401 |
| Net interest margin | 3.5274% | 1,661 |
| Noninterest income to average assets | 1.2442% | 685 |
| Noninterest expense to average assets | 2.3145% | 2,752 |
| Loan and lease loss provision to assets | 0.3042% | 264 |
| Net operating income to assets | 1.9836% | 347 |
| Return on assets (ROA) | 1.9836% | 372 |
| Pretax return on assets | 1.9836% | 622 |
| Return on Equity (ROE) | 22.6136% | 193 |
| Retained earnings to average equity (ytd only) | 6.8477% | 1,984 |
| Net charge-offs to loans | 0.3090% | 275 |
| Credit loss provision to net charge-offs | 134.6939% | 1,552 |
| Earnings coverage of net charge-offs (x) | 10.1286% | 2,223 |
| Efficiency ratio | 50.2905% | 4,263 |
| Assets per employee ($millions) | 5.0563% | 3,685 |
| Cash dividends to net income (ytd only)* | 69.7188% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 793 |
| Loan loss allowance to noncurrent loans | 839.9399% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,660 |
| Noncurrent loans to loans | 0.2203% | 2,862 |
| Net loans and leases to total assets | 62.4260% | 1,890 |
| Net loans and leases to deposits | 68.2274% | 2,292 |
| Net loans and leases to core deposits | 69.9185% | 2,451 |
| Total domestic deposits to total assets | 91.4970% | 316 |
| Equity capital to assets | 8.3679% | 4,135 |
| Core capital (leverage) ratio | 8.5422% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9943% | 1,844 |
| Memoranda: | ||
| Average total assets | $216,933,200 | 2,934 |
| Average earning assets | $206,528,000 | 2,905 |
| Average equity | $19,028,400 | 3,297 |
| Average total loans | $158,573,800 | 2,560 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 1,898 |
| Cost of funding earning assets | 0.3149% | 2,456 |
| Net interest margin | 3.5412% | 1,757 |
| Noninterest income to average assets | 1.5603% | 513 |
| Noninterest expense to average assets | 2.3183% | 2,696 |
| Loan and lease loss provision to assets | 0.4156% | 149 |
| Net operating income to assets | 2.1968% | 327 |
| Return on assets (ROA) | 2.1968% | 344 |
| Pretax return on assets | 2.1968% | 548 |
| Return on Equity (ROE) | 24.7256% | 185 |
| Retained earnings to average equity (ytd only) | 10.5522% | 1,161 |
| Net charge-offs to loans | 0.3790% | 204 |
| Credit loss provision to net charge-offs | 144.7368% | 1,375 |
| Earnings coverage of net charge-offs (x) | 9.0987% | 2,086 |
| Efficiency ratio | 47.0183% | 4,444 |
| Assets per employee ($millions) | 4.2812% | 4,280 |
| Cash dividends to net income (ytd only)* | 57.3230% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,338 |
| Loan loss allowance to noncurrent loans | 837.5740% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 2,637 |
| Noncurrent loans to loans | 0.1912% | 3,183 |
| Net loans and leases to total assets | 84.6372% | 99 |
| Net loans and leases to deposits | 93.8274% | 423 |
| Net loans and leases to core deposits | 96.7045% | 713 |
| Total domestic deposits to total assets | 90.2052% | 681 |
| Equity capital to assets | 9.5826% | 3,305 |
| Core capital (leverage) ratio | 9.6165% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3238% | 2,607 |
| Memoranda: | ||
| Average total assets | $211,755,000 | 3,001 |
| Average earning assets | $201,548,750 | 2,973 |
| Average equity | $18,814,000 | 3,359 |
| Average total loans | $160,429,750 | 2,579 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 2,461 |
| Cost of funding earning assets | 0.3307% | 2,481 |
| Net interest margin | 3.3213% | 2,378 |
| Noninterest income to average assets | 0.3966% | 3,120 |
| Noninterest expense to average assets | 2.2690% | 2,853 |
| Loan and lease loss provision to assets | 0.0561% | 1,908 |
| Net operating income to assets | 1.2467% | 2,030 |
| Return on assets (ROA) | 1.2467% | 2,095 |
| Pretax return on assets | 1.2467% | 2,779 |
| Return on Equity (ROE) | 14.3942% | 1,309 |
| Retained earnings to average equity (ytd only) | 3.5959% | 3,651 |
| Net charge-offs to loans | 0.0206% | 1,527 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 87.0625% | 803 |
| Efficiency ratio | 63.5245% | 2,496 |
| Assets per employee ($millions) | 3.9470% | 4,481 |
| Cash dividends to net income (ytd only)* | 75.0188% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 1,343 |
| Loan loss allowance to noncurrent loans | 686.6324% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 3,012 |
| Noncurrent loans to loans | 0.2294% | 3,138 |
| Net loans and leases to total assets | 81.3141% | 247 |
| Net loans and leases to deposits | 89.5556% | 674 |
| Net loans and leases to core deposits | 92.4580% | 979 |
| Total domestic deposits to total assets | 90.7974% | 440 |
| Equity capital to assets | 9.0345% | 3,765 |
| Core capital (leverage) ratio | 9.0046% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1553% | 2,664 |
| Memoranda: | ||
| Average total assets | $213,841,000 | 2,984 |
| Average earning assets | $204,438,333 | 2,948 |
| Average equity | $18,521,333 | 3,381 |
| Average total loans | $154,987,000 | 2,636 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 3,097 |
| Cost of funding earning assets | 0.3693% | 2,360 |
| Net interest margin | 3.0676% | 3,085 |
| Noninterest income to average assets | 0.3832% | 3,178 |
| Noninterest expense to average assets | 2.2133% | 3,064 |
| Loan and lease loss provision to assets | 0.0550% | 2,007 |
| Net operating income to assets | 1.0544% | 2,619 |
| Return on assets (ROA) | 1.0544% | 2,701 |
| Pretax return on assets | 1.0544% | 3,226 |
| Return on Equity (ROE) | 12.4254% | 1,864 |
| Retained earnings to average equity (ytd only) | 12.4254% | 1,047 |
| Net charge-offs to loans | 0.0081% | 1,617 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 201.6667% | 394 |
| Efficiency ratio | 66.6115% | 2,146 |
| Assets per employee ($millions) | 4.1703% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 912 |
| Loan loss allowance to noncurrent loans | 569.5279% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 2,456 |
| Noncurrent loans to loans | 0.3115% | 2,986 |
| Net loans and leases to total assets | 70.4822% | 1,231 |
| Net loans and leases to deposits | 77.5935% | 1,754 |
| Net loans and leases to core deposits | 80.2019% | 1,985 |
| Total domestic deposits to total assets | 90.8352% | 457 |
| Equity capital to assets | 9.0123% | 3,666 |
| Core capital (leverage) ratio | 8.9978% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8858% | 1,933 |
| Memoranda: | ||
| Average total assets | $218,138,500 | 2,945 |
| Average earning assets | $209,021,500 | 2,901 |
| Average equity | $18,510,500 | 3,373 |
| Average total loans | $147,698,000 | 2,719 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,611 |
| Cost of funding earning assets | 0.6177% | 2,195 |
| Net interest margin | 3.7742% | 1,577 |
| Noninterest income to average assets | 0.4071% | 3,055 |
| Noninterest expense to average assets | 2.4046% | 3,121 |
| Loan and lease loss provision to assets | 0.5465% | 403 |
| Net operating income to assets | 1.0554% | 2,082 |
| Return on assets (ROA) | 1.0554% | 2,218 |
| Pretax return on assets | 1.0554% | 2,853 |
| Return on Equity (ROE) | 11.5965% | 1,445 |
| Retained earnings to average equity (ytd only) | -9.5251% | 4,908 |
| Net charge-offs to loans | 0.0900% | 1,553 |
| Credit loss provision to net charge-offs | 767.6056% | 938 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,850 |
| Efficiency ratio | 60.0175% | 3,455 |
| Assets per employee ($millions) | 4.4659% | 3,952 |
| Cash dividends to net income (ytd only)* | 182.1378% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 849 |
| Loan loss allowance to noncurrent loans | 925.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,144 |
| Noncurrent loans to loans | 0.1948% | 3,510 |
| Net loans and leases to total assets | 62.8503% | 2,502 |
| Net loans and leases to deposits | 68.4059% | 3,042 |
| Net loans and leases to core deposits | 72.4171% | 3,038 |
| Total domestic deposits to total assets | 91.8784% | 80 |
| Equity capital to assets | 8.0035% | 4,704 |
| Core capital (leverage) ratio | 8.5693% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0566% | 1,834 |
| Memoranda: | ||
| Average total assets | $199,447,600 | 2,948 |
| Average earning assets | $190,213,800 | 2,906 |
| Average equity | $18,152,000 | 3,351 |
| Average total loans | $157,732,600 | 2,581 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 1,341 |
| Cost of funding earning assets | 0.6636% | 2,242 |
| Net interest margin | 3.9250% | 1,294 |
| Noninterest income to average assets | 0.4055% | 3,054 |
| Noninterest expense to average assets | 2.5263% | 2,755 |
| Loan and lease loss provision to assets | 0.7033% | 300 |
| Net operating income to assets | 0.9100% | 2,654 |
| Return on assets (ROA) | 0.9100% | 2,789 |
| Pretax return on assets | 0.9100% | 3,353 |
| Return on Equity (ROE) | 9.6545% | 2,150 |
| Retained earnings to average equity (ytd only) | -14.8604% | 4,969 |
| Net charge-offs to loans | 0.0498% | 1,899 |
| Credit loss provision to net charge-offs | 1,691.6667% | 559 |
| Earnings coverage of net charge-offs (x) | 38.8000% | 1,385 |
| Efficiency ratio | 61.0246% | 3,211 |
| Assets per employee ($millions) | 3.9331% | 4,372 |
| Cash dividends to net income (ytd only)* | 253.9223% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,174 |
| Loan loss allowance to noncurrent loans | 1,186.4865% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,219 |
| Noncurrent loans to loans | 0.1327% | 3,848 |
| Net loans and leases to total assets | 85.4671% | 176 |
| Net loans and leases to deposits | 94.0518% | 920 |
| Net loans and leases to core deposits | 100.7548% | 1,108 |
| Total domestic deposits to total assets | 90.8723% | 198 |
| Equity capital to assets | 8.9222% | 4,167 |
| Core capital (leverage) ratio | 8.9519% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8885% | 2,656 |
| Memoranda: | ||
| Average total assets | $192,369,000 | 2,986 |
| Average earning assets | $183,029,250 | 2,952 |
| Average equity | $18,132,750 | 3,356 |
| Average total loans | $160,721,750 | 2,566 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,712 |
| Cost of funding earning assets | 0.6960% | 2,409 |
| Net interest margin | 3.8785% | 1,623 |
| Noninterest income to average assets | 0.4182% | 2,983 |
| Noninterest expense to average assets | 2.5352% | 2,866 |
| Loan and lease loss provision to assets | 0.5878% | 548 |
| Net operating income to assets | 0.9883% | 2,369 |
| Return on assets (ROA) | 0.9883% | 2,502 |
| Pretax return on assets | 0.9883% | 3,066 |
| Return on Equity (ROE) | 10.3007% | 1,884 |
| Retained earnings to average equity (ytd only) | -25.8494% | 5,024 |
| Net charge-offs to loans | 0.0732% | 1,515 |
| Credit loss provision to net charge-offs | 974.1379% | 808 |
| Earnings coverage of net charge-offs (x) | 26.1207% | 1,534 |
| Efficiency ratio | 61.6650% | 3,174 |
| Assets per employee ($millions) | 3.7132% | 4,539 |
| Cash dividends to net income (ytd only)* | 350.9474% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 1,850 |
| Loan loss allowance to noncurrent loans | 837.5479% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 3,342 |
| Noncurrent loans to loans | 0.1595% | 3,818 |
| Net loans and leases to total assets | 83.6327% | 281 |
| Net loans and leases to deposits | 91.7877% | 1,181 |
| Net loans and leases to core deposits | 97.9219% | 1,417 |
| Total domestic deposits to total assets | 91.1154% | 130 |
| Equity capital to assets | 8.7143% | 4,340 |
| Core capital (leverage) ratio | 8.7322% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6602% | 2,751 |
| Memoranda: | ||
| Average total assets | $192,251,667 | 2,968 |
| Average earning assets | $183,059,000 | 2,928 |
| Average equity | $18,445,333 | 3,326 |
| Average total loans | $158,513,333 | 2,579 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,771 |
| Cost of funding earning assets | 0.7714% | 2,537 |
| Net interest margin | 3.9097% | 1,650 |
| Noninterest income to average assets | 0.4400% | 2,848 |
| Noninterest expense to average assets | 2.5605% | 3,099 |
| Loan and lease loss provision to assets | 0.2606% | 1,196 |
| Net operating income to assets | 1.3387% | 1,137 |
| Return on assets (ROA) | 1.3387% | 1,226 |
| Pretax return on assets | 1.3387% | 1,756 |
| Return on Equity (ROE) | 13.3368% | 819 |
| Retained earnings to average equity (ytd only) | 2.9499% | 3,104 |
| Net charge-offs to loans | 0.1052% | 1,053 |
| Credit loss provision to net charge-offs | 304.8780% | 1,166 |
| Earnings coverage of net charge-offs (x) | 18.7073% | 1,460 |
| Efficiency ratio | 61.5539% | 3,547 |
| Assets per employee ($millions) | 3.4413% | 4,532 |
| Cash dividends to net income (ytd only)* | 77.8816% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,002 |
| Loan loss allowance to noncurrent loans | 1,617.4312% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,761 |
| Noncurrent loans to loans | 0.0704% | 4,242 |
| Net loans and leases to total assets | 83.9515% | 265 |
| Net loans and leases to deposits | 94.0760% | 1,071 |
| Net loans and leases to core deposits | 100.7223% | 1,417 |
| Total domestic deposits to total assets | 89.2380% | 572 |
| Equity capital to assets | 10.5915% | 3,237 |
| Core capital (leverage) ratio | 10.0880% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2512% | 2,177 |
| Memoranda: | ||
| Average total assets | $191,834,500 | 2,937 |
| Average earning assets | $182,522,500 | 2,896 |
| Average equity | $19,255,000 | 3,247 |
| Average total loans | $155,935,500 | 2,580 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 1,927 |
| Cost of funding earning assets | 0.8066% | 2,651 |
| Net interest margin | 4.0318% | 1,743 |
| Noninterest income to average assets | 0.3598% | 3,546 |
| Noninterest expense to average assets | 2.4959% | 3,460 |
| Loan and lease loss provision to assets | 0.3628% | 413 |
| Net operating income to assets | 1.3449% | 1,524 |
| Return on assets (ROA) | 1.3449% | 1,603 |
| Pretax return on assets | 1.3449% | 2,348 |
| Return on Equity (ROE) | 14.8845% | 709 |
| Retained earnings to average equity (ytd only) | -9.3746% | 5,058 |
| Net charge-offs to loans | 0.6039% | 309 |
| Credit loss provision to net charge-offs | 73.5444% | 2,870 |
| Earnings coverage of net charge-offs (x) | 3.4617% | 3,319 |
| Efficiency ratio | 59.3743% | 3,782 |
| Assets per employee ($millions) | 3.8707% | 4,060 |
| Cash dividends to net income (ytd only)* | 162.9824% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,109 |
| Loan loss allowance to noncurrent loans | 152.4977% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 1,858 |
| Noncurrent loans to loans | 0.7013% | 2,123 |
| Net loans and leases to total assets | 77.1614% | 1,232 |
| Net loans and leases to deposits | 85.4285% | 2,161 |
| Net loans and leases to core deposits | 91.1390% | 2,309 |
| Total domestic deposits to total assets | 90.3228% | 232 |
| Equity capital to assets | 9.5351% | 4,323 |
| Core capital (leverage) ratio | 8.5432% | 4,821 |
| Tier 1 risk-based capital ratio | 12.7235% | 3,932 |
| Total risk-based capital ratio | 13.8402% | 3,900 |
| Memoranda: | ||
| Average total assets | $198,449,400 | 2,853 |
| Average earning assets | $189,194,000 | 2,808 |
| Average equity | $17,931,400 | 3,348 |
| Average total loans | $162,099,600 | 2,487 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 2,129 |
| Cost of funding earning assets | 0.7736% | 2,850 |
| Net interest margin | 4.0221% | 1,861 |
| Noninterest income to average assets | 0.3540% | 3,610 |
| Noninterest expense to average assets | 2.5089% | 3,412 |
| Loan and lease loss provision to assets | 0.1821% | 1,000 |
| Net operating income to assets | 1.4982% | 1,187 |
| Return on assets (ROA) | 1.4982% | 1,249 |
| Pretax return on assets | 1.4982% | 1,961 |
| Return on Equity (ROE) | 16.8174% | 501 |
| Retained earnings to average equity (ytd only) | -16.1059% | 5,189 |
| Net charge-offs to loans | 0.0906% | 1,564 |
| Credit loss provision to net charge-offs | 243.2432% | 1,118 |
| Earnings coverage of net charge-offs (x) | 22.4499% | 1,870 |
| Efficiency ratio | 59.8906% | 3,671 |
| Assets per employee ($millions) | 4.2842% | 3,506 |
| Cash dividends to net income (ytd only)* | 195.7699% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,387 |
| Loan loss allowance to noncurrent loans | 103.6067% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 1,459 |
| Noncurrent loans to loans | 1.1802% | 1,337 |
| Net loans and leases to total assets | 77.5331% | 1,221 |
| Net loans and leases to deposits | 84.6256% | 2,365 |
| Net loans and leases to core deposits | 97.3240% | 1,871 |
| Total domestic deposits to total assets | 91.6190% | 53 |
| Equity capital to assets | 8.1219% | 5,108 |
| Core capital (leverage) ratio | 8.5680% | 4,909 |
| Tier 1 risk-based capital ratio | 10.8304% | 4,980 |
| Total risk-based capital ratio | 12.0811% | 4,881 |
| Memoranda: | ||
| Average total assets | $197,742,250 | 2,884 |
| Average earning assets | $188,552,000 | 2,832 |
| Average equity | $17,616,250 | 3,397 |
| Average total loans | $163,377,500 | 2,497 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 2,078 |
| Cost of funding earning assets | 0.7120% | 3,104 |
| Net interest margin | 4.0815% | 1,665 |
| Noninterest income to average assets | 0.3490% | 3,603 |
| Noninterest expense to average assets | 2.5489% | 3,331 |
| Loan and lease loss provision to assets | 0.1258% | 1,482 |
| Net operating income to assets | 1.5616% | 985 |
| Return on assets (ROA) | 1.5616% | 1,029 |
| Pretax return on assets | 1.5616% | 1,662 |
| Return on Equity (ROE) | 16.9578% | 468 |
| Retained earnings to average equity (ytd only) | -21.1688% | 5,254 |
| Net charge-offs to loans | 0.0336% | 2,190 |
| Credit loss provision to net charge-offs | 444.4444% | 658 |
| Earnings coverage of net charge-offs (x) | 59.6296% | 985 |
| Efficiency ratio | 60.1682% | 3,701 |
| Assets per employee ($millions) | 3.5662% | 4,420 |
| Cash dividends to net income (ytd only)* | 224.8322% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,476 |
| Loan loss allowance to noncurrent loans | 105.0155% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 1,360 |
| Noncurrent loans to loans | 1.1514% | 1,408 |
| Net loans and leases to total assets | 87.7930% | 123 |
| Net loans and leases to deposits | 96.4884% | 984 |
| Net loans and leases to core deposits | 113.3367% | 801 |
| Total domestic deposits to total assets | 90.9881% | 107 |
| Equity capital to assets | 8.7801% | 4,911 |
| Core capital (leverage) ratio | 9.0679% | 4,578 |
| Tier 1 risk-based capital ratio | 10.2639% | 5,181 |
| Total risk-based capital ratio | 11.5140% | 5,106 |
| Memoranda: | ||
| Average total assets | $190,824,670 | 2,952 |
| Average earning assets | $181,749,000 | 2,898 |
| Average equity | $17,573,000 | 3,410 |
| Average total loans | $160,669,000 | 2,531 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 2,213 |
| Cost of funding earning assets | 0.6327% | 3,389 |
| Net interest margin | 4.0700% | 1,640 |
| Noninterest income to average assets | 0.3567% | 3,466 |
| Noninterest expense to average assets | 2.4179% | 3,724 |
| Loan and lease loss provision to assets | 0.1252% | 1,404 |
| Net operating income to assets | 1.6919% | 741 |
| Return on assets (ROA) | 1.6919% | 767 |
| Pretax return on assets | 1.6919% | 1,233 |
| Return on Equity (ROE) | 17.9604% | 404 |
| Retained earnings to average equity (ytd only) | -15.2586% | 5,207 |
| Net charge-offs to loans | 0.0662% | 1,387 |
| Credit loss provision to net charge-offs | 230.7692% | 964 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,261 |
| Efficiency ratio | 57.0936% | 4,205 |
| Assets per employee ($millions) | 3.3804% | 4,677 |
| Cash dividends to net income (ytd only)* | 184.9568% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,297 |
| Loan loss allowance to noncurrent loans | 9,860.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,704 |
| Noncurrent loans to loans | 0.0127% | 4,730 |
| Net loans and leases to total assets | 84.9871% | 283 |
| Net loans and leases to deposits | 94.9199% | 1,069 |
| Net loans and leases to core deposits | 101.4498% | 1,505 |
| Total domestic deposits to total assets | 89.5356% | 626 |
| Equity capital to assets | 9.7166% | 4,073 |
| Core capital (leverage) ratio | 9.7208% | 3,895 |
| Tier 1 risk-based capital ratio | 12.3357% | 4,278 |
| Total risk-based capital ratio | 13.5873% | 4,140 |
| Memoranda: | ||
| Average total assets | $191,734,000 | 2,980 |
| Average earning assets | $182,701,500 | 2,922 |
| Average equity | $18,062,000 | 3,346 |
| Average total loans | $157,021,000 | 2,608 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 1,630 |
| Cost of funding earning assets | 0.6066% | 2,671 |
| Net interest margin | 4.1556% | 1,515 |
| Noninterest income to average assets | 0.3376% | 3,858 |
| Noninterest expense to average assets | 2.6471% | 3,189 |
| Loan and lease loss provision to assets | 0.1258% | 1,744 |
| Net operating income to assets | 1.5120% | 1,089 |
| Return on assets (ROA) | 1.5120% | 1,071 |
| Pretax return on assets | 1.5120% | 1,739 |
| Return on Equity (ROE) | 15.5254% | 716 |
| Retained earnings to average equity (ytd only) | -2.2933% | 5,144 |
| Net charge-offs to loans | 0.1516% | 1,265 |
| Credit loss provision to net charge-offs | 98.3607% | 2,591 |
| Earnings coverage of net charge-offs (x) | 12.8033% | 2,504 |
| Efficiency ratio | 61.7766% | 3,568 |
| Assets per employee ($millions) | 3.8639% | 4,085 |
| Cash dividends to net income (ytd only)* | 114.7712% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,382 |
| Loan loss allowance to noncurrent loans | 4,506.9767% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,511 |
| Noncurrent loans to loans | 0.0274% | 4,648 |
| Net loans and leases to total assets | 77.1402% | 1,418 |
| Net loans and leases to deposits | 85.4503% | 2,355 |
| Net loans and leases to core deposits | 88.2372% | 2,735 |
| Total domestic deposits to total assets | 90.2750% | 391 |
| Equity capital to assets | 9.1512% | 4,447 |
| Core capital (leverage) ratio | 9.5164% | 4,096 |
| Tier 1 risk-based capital ratio | 12.7288% | 3,999 |
| Total risk-based capital ratio | 13.9802% | 3,883 |
| Memoranda: | ||
| Average total assets | $190,735,400 | 2,955 |
| Average earning assets | $181,178,000 | 2,906 |
| Average equity | $18,576,000 | 3,233 |
| Average total loans | $160,986,600 | 2,516 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 1,578 |
| Cost of funding earning assets | 0.5885% | 2,557 |
| Net interest margin | 4.1489% | 1,495 |
| Noninterest income to average assets | 0.3535% | 3,768 |
| Noninterest expense to average assets | 2.7263% | 2,893 |
| Loan and lease loss provision to assets | 0.1275% | 1,576 |
| Net operating income to assets | 1.4354% | 1,375 |
| Return on assets (ROA) | 1.4354% | 1,375 |
| Pretax return on assets | 1.4354% | 2,104 |
| Return on Equity (ROE) | 14.5048% | 982 |
| Retained earnings to average equity (ytd only) | -4.1811% | 5,290 |
| Net charge-offs to loans | 0.0914% | 1,591 |
| Credit loss provision to net charge-offs | 162.1622% | 1,620 |
| Earnings coverage of net charge-offs (x) | 19.8734% | 1,978 |
| Efficiency ratio | 63.5613% | 3,259 |
| Assets per employee ($millions) | 3.6315% | 4,393 |
| Cash dividends to net income (ytd only)* | 128.8250% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,875 |
| Loan loss allowance to noncurrent loans | 935.3488% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 4,056 |
| Noncurrent loans to loans | 0.1235% | 4,335 |
| Net loans and leases to total assets | 89.3833% | 95 |
| Net loans and leases to deposits | 112.4976% | 223 |
| Net loans and leases to core deposits | 116.6337% | 689 |
| Total domestic deposits to total assets | 79.4535% | 4,224 |
| Equity capital to assets | 9.4544% | 4,121 |
| Core capital (leverage) ratio | 9.6329% | 4,010 |
| Tier 1 risk-based capital ratio | 11.3795% | 4,855 |
| Total risk-based capital ratio | 12.6294% | 4,747 |
| Memoranda: | ||
| Average total assets | $188,188,000 | 3,001 |
| Average earning assets | $178,514,750 | 2,962 |
| Average equity | $18,623,250 | 3,244 |
| Average total loans | $162,000,250 | 2,517 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 1,898 |
| Cost of funding earning assets | 0.5457% | 2,645 |
| Net interest margin | 4.0148% | 1,812 |
| Noninterest income to average assets | 0.3609% | 3,738 |
| Noninterest expense to average assets | 2.7233% | 2,927 |
| Loan and lease loss provision to assets | 0.1285% | 1,545 |
| Net operating income to assets | 1.3226% | 1,691 |
| Return on assets (ROA) | 1.3226% | 1,692 |
| Pretax return on assets | 1.3226% | 2,424 |
| Return on Equity (ROE) | 13.1626% | 1,316 |
| Retained earnings to average equity (ytd only) | -2.1529% | 5,162 |
| Net charge-offs to loans | 0.1228% | 1,194 |
| Credit loss provision to net charge-offs | 123.7113% | 1,769 |
| Earnings coverage of net charge-offs (x) | 13.9691% | 2,126 |
| Efficiency ratio | 65.2386% | 3,110 |
| Assets per employee ($millions) | 3.2864% | 4,832 |
| Cash dividends to net income (ytd only)* | 116.3563% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,837 |
| Loan loss allowance to noncurrent loans | 1,023.4375% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,136 |
| Noncurrent loans to loans | 0.1152% | 4,393 |
| Net loans and leases to total assets | 89.4614% | 84 |
| Net loans and leases to deposits | 114.2870% | 191 |
| Net loans and leases to core deposits | 118.4968% | 611 |
| Total domestic deposits to total assets | 78.2779% | 4,542 |
| Equity capital to assets | 10.1072% | 3,537 |
| Core capital (leverage) ratio | 10.5059% | 3,023 |
| Tier 1 risk-based capital ratio | 12.1515% | 4,403 |
| Total risk-based capital ratio | 13.4022% | 4,281 |
| Memoranda: | ||
| Average total assets | $186,760,330 | 3,030 |
| Average earning assets | $177,392,330 | 2,988 |
| Average equity | $18,765,330 | 3,246 |
| Average total loans | $157,984,330 | 2,569 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 2,144 |
| Cost of funding earning assets | 0.5064% | 2,748 |
| Net interest margin | 3.9087% | 2,016 |
| Noninterest income to average assets | 0.3572% | 3,756 |
| Noninterest expense to average assets | 2.6600% | 3,161 |
| Loan and lease loss provision to assets | 0.1276% | 1,476 |
| Net operating income to assets | 1.2949% | 1,658 |
| Return on assets (ROA) | 1.2949% | 1,662 |
| Pretax return on assets | 1.2949% | 2,386 |
| Return on Equity (ROE) | 12.9248% | 1,287 |
| Retained earnings to average equity (ytd only) | 1.7615% | 4,427 |
| Net charge-offs to loans | 0.2473% | 623 |
| Credit loss provision to net charge-offs | 63.1579% | 1,878 |
| Earnings coverage of net charge-offs (x) | 7.0421% | 2,124 |
| Efficiency ratio | 65.1563% | 3,295 |
| Assets per employee ($millions) | 3.1897% | 5,013 |
| Cash dividends to net income (ytd only)* | 86.3711% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,633 |
| Loan loss allowance to noncurrent loans | 862.8959% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,126 |
| Noncurrent loans to loans | 0.1425% | 4,328 |
| Net loans and leases to total assets | 85.7672% | 280 |
| Net loans and leases to deposits | 97.2600% | 919 |
| Net loans and leases to core deposits | 109.0679% | 1,056 |
| Total domestic deposits to total assets | 88.1835% | 1,516 |
| Equity capital to assets | 10.5692% | 3,005 |
| Core capital (leverage) ratio | 10.4103% | 3,052 |
| Tier 1 risk-based capital ratio | 13.1853% | 3,860 |
| Total risk-based capital ratio | 14.4362% | 3,755 |
| Memoranda: | ||
| Average total assets | $188,121,500 | 3,054 |
| Average earning assets | $179,291,500 | 3,002 |
| Average equity | $18,847,500 | 3,261 |
| Average total loans | $153,672,500 | 2,647 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 1,011 |
| Cost of funding earning assets | 0.5898% | 1,675 |
| Net interest margin | 4.1902% | 1,209 |
| Noninterest income to average assets | 0.3341% | 4,075 |
| Noninterest expense to average assets | 2.6600% | 3,256 |
| Loan and lease loss provision to assets | 0.0329% | 3,604 |
| Net operating income to assets | 1.6479% | 588 |
| Return on assets (ROA) | 1.6479% | 605 |
| Pretax return on assets | 1.6479% | 1,166 |
| Return on Equity (ROE) | 16.4119% | 437 |
| Retained earnings to average equity (ytd only) | 5.2776% | 1,948 |
| Net charge-offs to loans | 0.2071% | 1,253 |
| Credit loss provision to net charge-offs | 18.2371% | 3,623 |
| Earnings coverage of net charge-offs (x) | 9.3131% | 2,805 |
| Efficiency ratio | 61.2789% | 4,056 |
| Assets per employee ($millions) | 3.5931% | 4,581 |
| Cash dividends to net income (ytd only)* | 67.8429% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,340 |
| Loan loss allowance to noncurrent loans | 643.0464% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,864 |
| Noncurrent loans to loans | 0.1984% | 4,120 |
| Net loans and leases to total assets | 76.0530% | 1,584 |
| Net loans and leases to deposits | 85.0812% | 2,362 |
| Net loans and leases to core deposits | 91.9124% | 2,386 |
| Total domestic deposits to total assets | 89.3887% | 828 |
| Equity capital to assets | 9.5213% | 4,218 |
| Core capital (leverage) ratio | 9.3687% | 4,205 |
| Tier 1 risk-based capital ratio | 13.2361% | 3,767 |
| Total risk-based capital ratio | 14.4876% | 3,697 |
| Memoranda: | ||
| Average total assets | $182,294,200 | 3,086 |
| Average earning assets | $174,311,000 | 3,019 |
| Average equity | $18,303,800 | 3,328 |
| Average total loans | $158,874,600 | 2,559 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 919 |
| Cost of funding earning assets | 0.6035% | 1,509 |
| Net interest margin | 4.2013% | 1,154 |
| Noninterest income to average assets | 0.3317% | 4,163 |
| Noninterest expense to average assets | 2.6776% | 3,133 |
| Loan and lease loss provision to assets | 0.0448% | 3,201 |
| Net operating income to assets | 1.6294% | 666 |
| Return on assets (ROA) | 1.6616% | 645 |
| Pretax return on assets | 1.6616% | 1,211 |
| Return on Equity (ROE) | 16.3144% | 492 |
| Retained earnings to average equity (ytd only) | 5.5237% | 2,526 |
| Net charge-offs to loans | 0.1312% | 1,472 |
| Credit loss provision to net charge-offs | 37.9747% | 3,011 |
| Earnings coverage of net charge-offs (x) | 14.1837% | 2,310 |
| Efficiency ratio | 61.5279% | 3,952 |
| Assets per employee ($millions) | 3.3161% | 4,954 |
| Cash dividends to net income (ytd only)* | 66.1419% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,676 |
| Loan loss allowance to noncurrent loans | 324.5776% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 3,111 |
| Noncurrent loans to loans | 0.3832% | 3,576 |
| Net loans and leases to total assets | 90.3425% | 69 |
| Net loans and leases to deposits | 108.0465% | 337 |
| Net loans and leases to core deposits | 112.6718% | 899 |
| Total domestic deposits to total assets | 83.6144% | 3,253 |
| Equity capital to assets | 10.0280% | 3,879 |
| Core capital (leverage) ratio | 10.0821% | 3,464 |
| Tier 1 risk-based capital ratio | 11.8795% | 4,711 |
| Total risk-based capital ratio | 13.1309% | 4,588 |
| Memoranda: | ||
| Average total assets | $178,462,750 | 3,164 |
| Average earning assets | $170,770,250 | 3,089 |
| Average equity | $18,175,750 | 3,370 |
| Average total loans | $160,533,750 | 2,561 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 1,103 |
| Cost of funding earning assets | 0.5854% | 1,540 |
| Net interest margin | 4.0904% | 1,351 |
| Noninterest income to average assets | 0.3329% | 4,163 |
| Noninterest expense to average assets | 2.6720% | 3,191 |
| Loan and lease loss provision to assets | 0.0682% | 2,605 |
| Net operating income to assets | 1.5223% | 827 |
| Return on assets (ROA) | 1.5711% | 773 |
| Pretax return on assets | 1.5711% | 1,428 |
| Return on Equity (ROE) | 15.3437% | 616 |
| Retained earnings to average equity (ytd only) | 4.8039% | 2,845 |
| Net charge-offs to loans | 0.1499% | 1,253 |
| Credit loss provision to net charge-offs | 50.8475% | 2,552 |
| Earnings coverage of net charge-offs (x) | 11.8644% | 2,236 |
| Efficiency ratio | 62.6866% | 3,867 |
| Assets per employee ($millions) | 3.0319% | 5,239 |
| Cash dividends to net income (ytd only)* | 68.6913% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,381 |
| Loan loss allowance to noncurrent loans | 242.7283% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 2,726 |
| Noncurrent loans to loans | 0.5380% | 3,141 |
| Net loans and leases to total assets | 90.9661% | 57 |
| Net loans and leases to deposits | 117.1370% | 135 |
| Net loans and leases to core deposits | 123.3163% | 455 |
| Total domestic deposits to total assets | 77.6579% | 4,872 |
| Equity capital to assets | 10.2324% | 3,640 |
| Core capital (leverage) ratio | 10.6733% | 2,734 |
| Tier 1 risk-based capital ratio | 12.3308% | 4,401 |
| Total risk-based capital ratio | 13.5831% | 4,292 |
| Memoranda: | ||
| Average total assets | $176,050,330 | 3,209 |
| Average earning assets | $169,129,330 | 3,122 |
| Average equity | $18,027,000 | 3,389 |
| Average total loans | $157,418,670 | 2,598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 1,111 |
| Cost of funding earning assets | 0.5741% | 1,547 |
| Net interest margin | 4.0379% | 1,377 |
| Noninterest income to average assets | 0.3436% | 4,097 |
| Noninterest expense to average assets | 2.6868% | 3,192 |
| Loan and lease loss provision to assets | 0.1374% | 1,386 |
| Net operating income to assets | 1.4018% | 998 |
| Return on assets (ROA) | 1.4018% | 1,030 |
| Pretax return on assets | 1.4018% | 1,884 |
| Return on Equity (ROE) | 13.6848% | 864 |
| Retained earnings to average equity (ytd only) | 1.6771% | 4,437 |
| Net charge-offs to loans | 0.1952% | 885 |
| Credit loss provision to net charge-offs | 80.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 8.9600% | 2,024 |
| Efficiency ratio | 63.5772% | 3,906 |
| Assets per employee ($millions) | 3.1117% | 5,258 |
| Cash dividends to net income (ytd only)* | 87.7451% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,934 |
| Loan loss allowance to noncurrent loans | 176.2440% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 2,142 |
| Noncurrent loans to loans | 0.8131% | 2,416 |
| Net loans and leases to total assets | 89.8876% | 59 |
| Net loans and leases to deposits | 104.2317% | 392 |
| Net loans and leases to core deposits | 109.4771% | 902 |
| Total domestic deposits to total assets | 86.2383% | 2,561 |
| Equity capital to assets | 10.6736% | 2,988 |
| Core capital (leverage) ratio | 10.6138% | 2,776 |
| Tier 1 risk-based capital ratio | 12.8890% | 4,150 |
| Total risk-based capital ratio | 14.1429% | 4,046 |
| Memoranda: | ||
| Average total assets | $174,634,500 | 3,260 |
| Average earning assets | $167,908,000 | 3,161 |
| Average equity | $17,888,500 | 3,423 |
| Average total loans | $153,690,500 | 2,655 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 964 |
| Cost of funding earning assets | 0.5994% | 1,333 |
| Net interest margin | 4.1512% | 1,237 |
| Noninterest income to average assets | 0.3590% | 4,169 |
| Noninterest expense to average assets | 2.5367% | 3,893 |
| Loan and lease loss provision to assets | 0.2419% | 876 |
| Net operating income to assets | 1.5669% | 733 |
| Return on assets (ROA) | 1.5669% | 760 |
| Pretax return on assets | 1.5669% | 1,377 |
| Return on Equity (ROE) | 16.2906% | 480 |
| Retained earnings to average equity (ytd only) | 4.7157% | 2,542 |
| Net charge-offs to loans | 0.0693% | 2,704 |
| Credit loss provision to net charge-offs | 403.6697% | 788 |
| Earnings coverage of net charge-offs (x) | 30.1835% | 1,427 |
| Efficiency ratio | 58.3755% | 4,808 |
| Assets per employee ($millions) | 3.4196% | 4,870 |
| Cash dividends to net income (ytd only)* | 71.0526% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,940 |
| Loan loss allowance to noncurrent loans | 656.0831% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,361 |
| Noncurrent loans to loans | 0.2186% | 4,368 |
| Net loans and leases to total assets | 83.8318% | 396 |
| Net loans and leases to deposits | 96.0034% | 993 |
| Net loans and leases to core deposits | 100.5659% | 1,574 |
| Total domestic deposits to total assets | 87.3216% | 1,976 |
| Equity capital to assets | 9.8445% | 3,890 |
| Core capital (leverage) ratio | 9.4522% | 4,150 |
| Tier 1 risk-based capital ratio | 12.7482% | 4,241 |
| Total risk-based capital ratio | 14.0023% | 4,124 |
| Memoranda: | ||
| Average total assets | $181,893,200 | 3,148 |
| Average earning assets | $174,670,600 | 3,060 |
| Average equity | $17,494,800 | 3,489 |
| Average total loans | $157,201,600 | 2,551 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 1,048 |
| Cost of funding earning assets | 0.5859% | 1,443 |
| Net interest margin | 4.1197% | 1,342 |
| Noninterest income to average assets | 0.3647% | 4,171 |
| Noninterest expense to average assets | 2.5471% | 3,839 |
| Loan and lease loss provision to assets | 0.2673% | 674 |
| Net operating income to assets | 1.5050% | 870 |
| Return on assets (ROA) | 1.5050% | 921 |
| Pretax return on assets | 1.5050% | 1,695 |
| Return on Equity (ROE) | 15.7395% | 576 |
| Retained earnings to average equity (ytd only) | 5.7061% | 2,352 |
| Net charge-offs to loans | 0.0658% | 2,396 |
| Credit loss provision to net charge-offs | 467.9487% | 749 |
| Earnings coverage of net charge-offs (x) | 31.0249% | 1,457 |
| Efficiency ratio | 58.9691% | 4,689 |
| Assets per employee ($millions) | 3.8119% | 4,281 |
| Cash dividends to net income (ytd only)* | 63.7469% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,967 |
| Loan loss allowance to noncurrent loans | 78.6284% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 1,252 |
| Noncurrent loans to loans | 1.5875% | 1,365 |
| Net loans and leases to total assets | 89.9484% | 73 |
| Net loans and leases to deposits | 120.9371% | 105 |
| Net loans and leases to core deposits | 128.2834% | 321 |
| Total domestic deposits to total assets | 74.3762% | 5,395 |
| Equity capital to assets | 9.3501% | 4,820 |
| Core capital (leverage) ratio | 9.4070% | 4,319 |
| Tier 1 risk-based capital ratio | 11.3929% | 5,160 |
| Total risk-based capital ratio | 12.6448% | 5,058 |
| Memoranda: | ||
| Average total assets | $182,057,000 | 3,155 |
| Average earning assets | $174,766,000 | 3,075 |
| Average equity | $17,408,000 | 3,521 |
| Average total loans | $157,965,500 | 2,551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,301 |
| Cost of funding earning assets | 0.5727% | 1,528 |
| Net interest margin | 4.0100% | 1,615 |
| Noninterest income to average assets | 0.3471% | 4,297 |
| Noninterest expense to average assets | 2.5891% | 3,759 |
| Loan and lease loss provision to assets | 0.1674% | 1,334 |
| Net operating income to assets | 1.4430% | 985 |
| Return on assets (ROA) | 1.4430% | 1,034 |
| Pretax return on assets | 1.4430% | 1,866 |
| Return on Equity (ROE) | 14.9737% | 670 |
| Retained earnings to average equity (ytd only) | 5.5934% | 2,367 |
| Net charge-offs to loans | 0.0406% | 2,649 |
| Credit loss provision to net charge-offs | 483.8710% | 675 |
| Earnings coverage of net charge-offs (x) | 46.5484% | 1,043 |
| Efficiency ratio | 61.6529% | 4,396 |
| Assets per employee ($millions) | 3.3711% | 4,972 |
| Cash dividends to net income (ytd only)* | 62.6450% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,335 |
| Loan loss allowance to noncurrent loans | 65.3482% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.7002% | 1,056 |
| Noncurrent loans to loans | 1.8423% | 1,108 |
| Net loans and leases to total assets | 90.1132% | 67 |
| Net loans and leases to deposits | 115.6096% | 153 |
| Net loans and leases to core deposits | 122.2880% | 455 |
| Total domestic deposits to total assets | 77.9461% | 5,012 |
| Equity capital to assets | 9.6539% | 4,609 |
| Core capital (leverage) ratio | 9.9362% | 3,640 |
| Tier 1 risk-based capital ratio | 11.8001% | 4,971 |
| Total risk-based capital ratio | 13.0515% | 4,852 |
| Memoranda: | ||
| Average total assets | $179,210,670 | 3,199 |
| Average earning assets | $172,170,000 | 3,115 |
| Average equity | $17,270,330 | 3,547 |
| Average total loans | $152,752,330 | 2,615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,721 |
| Cost of funding earning assets | 0.5658% | 1,574 |
| Net interest margin | 3.8604% | 2,067 |
| Noninterest income to average assets | 0.3487% | 4,238 |
| Noninterest expense to average assets | 2.6525% | 3,570 |
| Loan and lease loss provision to assets | 0.1687% | 1,221 |
| Net operating income to assets | 1.2419% | 1,425 |
| Return on assets (ROA) | 1.2419% | 1,530 |
| Pretax return on assets | 1.2419% | 2,536 |
| Return on Equity (ROE) | 12.8983% | 1,058 |
| Retained earnings to average equity (ytd only) | 2.6872% | 4,167 |
| Net charge-offs to loans | 0.1013% | 1,517 |
| Credit loss provision to net charge-offs | 202.7027% | 1,070 |
| Earnings coverage of net charge-offs (x) | 16.9459% | 1,595 |
| Efficiency ratio | 65.2824% | 3,929 |
| Assets per employee ($millions) | 3.2987% | 5,128 |
| Cash dividends to net income (ytd only)* | 79.1667% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,907 |
| Loan loss allowance to noncurrent loans | 81.8259% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.4091% | 1,472 |
| Noncurrent loans to loans | 1.5869% | 1,464 |
| Net loans and leases to total assets | 84.9922% | 297 |
| Net loans and leases to deposits | 98.6087% | 715 |
| Net loans and leases to core deposits | 104.2505% | 1,176 |
| Total domestic deposits to total assets | 86.1914% | 2,591 |
| Equity capital to assets | 10.0209% | 4,050 |
| Core capital (leverage) ratio | 9.8064% | 3,764 |
| Tier 1 risk-based capital ratio | 12.9778% | 4,280 |
| Total risk-based capital ratio | 14.2301% | 4,195 |
| Memoranda: | ||
| Average total assets | $177,796,000 | 3,224 |
| Average earning assets | $171,072,500 | 3,141 |
| Average equity | $17,118,500 | 3,565 |
| Average total loans | $146,108,000 | 2,704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,681 |
| Cost of funding earning assets | 0.5942% | 1,403 |
| Net interest margin | 3.8796% | 2,095 |
| Noninterest income to average assets | 0.3665% | 4,285 |
| Noninterest expense to average assets | 2.5253% | 4,145 |
| Loan and lease loss provision to assets | 0.1939% | 1,132 |
| Net operating income to assets | 1.3787% | 1,076 |
| Return on assets (ROA) | 1.3787% | 1,122 |
| Pretax return on assets | 1.3793% | 1,981 |
| Return on Equity (ROE) | 14.7588% | 726 |
| Retained earnings to average equity (ytd only) | 4.7772% | 2,598 |
| Net charge-offs to loans | 0.2492% | 1,208 |
| Credit loss provision to net charge-offs | 96.6387% | 2,624 |
| Earnings coverage of net charge-offs (x) | 7.8403% | 3,030 |
| Efficiency ratio | 61.6155% | 4,673 |
| Assets per employee ($millions) | 3.5396% | 4,748 |
| Cash dividends to net income (ytd only)* | 67.6315% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,895 |
| Loan loss allowance to noncurrent loans | 84.8375% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 1,690 |
| Noncurrent loans to loans | 1.5335% | 1,511 |
| Net loans and leases to total assets | 77.4906% | 1,191 |
| Net loans and leases to deposits | 88.7991% | 1,775 |
| Net loans and leases to core deposits | 93.1857% | 2,119 |
| Total domestic deposits to total assets | 87.2651% | 2,004 |
| Equity capital to assets | 9.2621% | 4,830 |
| Core capital (leverage) ratio | 9.3789% | 4,356 |
| Tier 1 risk-based capital ratio | 13.0318% | 4,285 |
| Total risk-based capital ratio | 14.2840% | 4,200 |
| Memoranda: | ||
| Average total assets | $177,921,400 | 3,202 |
| Average earning assets | $171,150,600 | 3,112 |
| Average equity | $16,620,600 | 3,580 |
| Average total loans | $143,250,800 | 2,690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 1,644 |
| Cost of funding earning assets | 0.5990% | 1,412 |
| Net interest margin | 3.8848% | 2,085 |
| Noninterest income to average assets | 0.3666% | 4,305 |
| Noninterest expense to average assets | 2.5557% | 4,030 |
| Loan and lease loss provision to assets | 0.1814% | 1,144 |
| Net operating income to assets | 1.3644% | 1,196 |
| Return on assets (ROA) | 1.3644% | 1,246 |
| Pretax return on assets | 1.3651% | 2,157 |
| Return on Equity (ROE) | 14.5734% | 798 |
| Retained earnings to average equity (ytd only) | 4.9735% | 2,937 |
| Net charge-offs to loans | 0.0345% | 3,225 |
| Credit loss provision to net charge-offs | 648.6486% | 527 |
| Earnings coverage of net charge-offs (x) | 55.2996% | 973 |
| Efficiency ratio | 62.2996% | 4,524 |
| Assets per employee ($millions) | 3.3633% | 5,039 |
| Cash dividends to net income (ytd only)* | 65.8723% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,725 |
| Loan loss allowance to noncurrent loans | 77.6213% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.5997% | 1,391 |
| Noncurrent loans to loans | 1.7700% | 1,343 |
| Net loans and leases to total assets | 87.6795% | 155 |
| Net loans and leases to deposits | 103.4738% | 473 |
| Net loans and leases to core deposits | 109.6814% | 893 |
| Total domestic deposits to total assets | 84.7359% | 3,118 |
| Equity capital to assets | 9.8492% | 4,344 |
| Core capital (leverage) ratio | 9.8330% | 3,855 |
| Tier 1 risk-based capital ratio | 12.2235% | 4,940 |
| Total risk-based capital ratio | 13.4771% | 4,841 |
| Memoranda: | ||
| Average total assets | $176,386,500 | 3,244 |
| Average earning assets | $169,612,000 | 3,154 |
| Average equity | $16,513,750 | 3,624 |
| Average total loans | $142,936,000 | 2,714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,219 |
| Cost of funding earning assets | 0.5797% | 1,565 |
| Net interest margin | 3.7034% | 2,693 |
| Noninterest income to average assets | 0.3573% | 4,399 |
| Noninterest expense to average assets | 2.5269% | 4,148 |
| Loan and lease loss provision to assets | 0.1517% | 1,404 |
| Net operating income to assets | 1.2449% | 1,477 |
| Return on assets (ROA) | 1.2449% | 1,539 |
| Pretax return on assets | 1.2460% | 2,568 |
| Return on Equity (ROE) | 13.5229% | 1,006 |
| Retained earnings to average equity (ytd only) | 3.6126% | 3,729 |
| Net charge-offs to loans | 0.0143% | 3,432 |
| Credit loss provision to net charge-offs | 1,350.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 124.4000% | 506 |
| Efficiency ratio | 64.3859% | 4,294 |
| Assets per employee ($millions) | 3.0946% | 5,479 |
| Cash dividends to net income (ytd only)* | 73.2852% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,754 |
| Loan loss allowance to noncurrent loans | 127.6582% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 2,678 |
| Noncurrent loans to loans | 1.0973% | 2,458 |
| Net loans and leases to total assets | 83.4132% | 424 |
| Net loans and leases to deposits | 95.6710% | 993 |
| Net loans and leases to core deposits | 101.2935% | 1,376 |
| Total domestic deposits to total assets | 87.1876% | 2,061 |
| Equity capital to assets | 9.7061% | 4,391 |
| Core capital (leverage) ratio | 9.5297% | 4,244 |
| Tier 1 risk-based capital ratio | 12.7613% | 4,650 |
| Total risk-based capital ratio | 14.0153% | 4,560 |
| Memoranda: | ||
| Average total assets | $178,006,330 | 3,242 |
| Average earning assets | $171,463,330 | 3,145 |
| Average equity | $16,387,000 | 3,659 |
| Average total loans | $139,751,670 | 2,752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,493 |
| Cost of funding earning assets | 0.5700% | 1,662 |
| Net interest margin | 3.6209% | 2,922 |
| Noninterest income to average assets | 0.3298% | 4,551 |
| Noninterest expense to average assets | 2.4760% | 4,340 |
| Loan and lease loss provision to assets | 0.1319% | 1,569 |
| Net operating income to assets | 1.2116% | 1,513 |
| Return on assets (ROA) | 1.2116% | 1,607 |
| Pretax return on assets | 1.2138% | 2,614 |
| Return on Equity (ROE) | 13.5045% | 983 |
| Retained earnings to average equity (ytd only) | 2.6960% | 4,330 |
| Net charge-offs to loans | 0.0174% | 2,816 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 487 |
| Efficiency ratio | 64.7871% | 4,349 |
| Assets per employee ($millions) | 3.3429% | 5,174 |
| Cash dividends to net income (ytd only)* | 80.0363% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 2,715 |
| Loan loss allowance to noncurrent loans | 682.8070% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 5,176 |
| Noncurrent loans to loans | 0.2115% | 5,023 |
| Net loans and leases to total assets | 74.9626% | 1,361 |
| Net loans and leases to deposits | 85.4077% | 1,905 |
| Net loans and leases to core deposits | 90.1767% | 2,111 |
| Total domestic deposits to total assets | 87.7703% | 1,949 |
| Equity capital to assets | 9.2558% | 5,018 |
| Core capital (leverage) ratio | 9.1218% | 4,820 |
| Tier 1 risk-based capital ratio | 13.5746% | 4,289 |
| Total risk-based capital ratio | 14.8290% | 4,201 |
| Memoranda: | ||
| Average total assets | $181,908,500 | 3,213 |
| Average earning assets | $175,426,500 | 3,113 |
| Average equity | $16,320,500 | 3,693 |
| Average total loans | $137,633,500 | 2,782 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 1,995 |
| Cost of funding earning assets | 0.6165% | 1,628 |
| Net interest margin | 3.8522% | 2,422 |
| Noninterest income to average assets | 0.3334% | 4,724 |
| Noninterest expense to average assets | 2.4968% | 4,559 |
| Loan and lease loss provision to assets | 0.1558% | 1,684 |
| Net operating income to assets | 1.0665% | 2,102 |
| Return on assets (ROA) | 1.0670% | 2,154 |
| Pretax return on assets | 1.3781% | 1,965 |
| Return on Equity (ROE) | 12.4103% | 1,292 |
| Retained earnings to average equity (ytd only) | 9.0504% | 694 |
| Net charge-offs to loans | 0.0521% | 3,792 |
| Credit loss provision to net charge-offs | 383.5616% | 681 |
| Earnings coverage of net charge-offs (x) | 37.7397% | 1,138 |
| Efficiency ratio | 61.9528% | 4,923 |
| Assets per employee ($millions) | 3.4563% | 4,970 |
| Cash dividends to net income (ytd only)* | 27.0736% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 3,188 |
| Loan loss allowance to noncurrent loans | 990.5759% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 5,266 |
| Noncurrent loans to loans | 0.1359% | 5,347 |
| Net loans and leases to total assets | 74.2673% | 1,543 |
| Net loans and leases to deposits | 83.8824% | 2,229 |
| Net loans and leases to core deposits | 88.4966% | 2,446 |
| Total domestic deposits to total assets | 88.5374% | 1,504 |
| Equity capital to assets | 8.7022% | 5,576 |
| Core capital (leverage) ratio | 8.6171% | 5,429 |
| Tier 1 risk-based capital ratio | 12.6969% | 4,920 |
| Total risk-based capital ratio | 13.9499% | 4,831 |
| Memoranda: | ||
| Average total assets | $179,671,000 | 3,212 |
| Average earning assets | $172,421,600 | 3,128 |
| Average equity | $15,446,800 | 3,757 |
| Average total loans | $140,151,400 | 2,714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,935 |
| Cost of funding earning assets | 0.6169% | 1,704 |
| Net interest margin | 3.8672% | 2,361 |
| Noninterest income to average assets | 0.3589% | 4,565 |
| Noninterest expense to average assets | 2.5163% | 4,474 |
| Loan and lease loss provision to assets | 0.1836% | 1,333 |
| Net operating income to assets | 0.9467% | 2,701 |
| Return on assets (ROA) | 0.9472% | 2,787 |
| Pretax return on assets | 1.3661% | 2,137 |
| Return on Equity (ROE) | 11.0525% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.0525% | 507 |
| Net charge-offs to loans | 0.0438% | 3,624 |
| Credit loss provision to net charge-offs | 532.6087% | 541 |
| Earnings coverage of net charge-offs (x) | 44.9361% | 1,047 |
| Efficiency ratio | 61.8986% | 4,898 |
| Assets per employee ($millions) | 3.2185% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,062 |
| Loan loss allowance to noncurrent loans | 455.0725% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 4,847 |
| Noncurrent loans to loans | 0.2707% | 5,100 |
| Net loans and leases to total assets | 86.9229% | 154 |
| Net loans and leases to deposits | 103.4456% | 431 |
| Net loans and leases to core deposits | 109.7094% | 755 |
| Total domestic deposits to total assets | 84.0276% | 3,746 |
| Equity capital to assets | 9.2583% | 5,071 |
| Core capital (leverage) ratio | 9.4210% | 4,485 |
| Tier 1 risk-based capital ratio | 11.5438% | 5,768 |
| Total risk-based capital ratio | 12.7949% | 5,693 |
| Memoranda: | ||
| Average total assets | $177,928,250 | 3,258 |
| Average earning assets | $170,521,750 | 3,176 |
| Average equity | $15,248,000 | 3,812 |
| Average total loans | $140,062,750 | 2,730 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,610 |
| Cost of funding earning assets | 0.6236% | 1,698 |
| Net interest margin | 3.6670% | 3,084 |
| Noninterest income to average assets | 0.3703% | 4,481 |
| Noninterest expense to average assets | 2.5153% | 4,539 |
| Loan and lease loss provision to assets | 0.1952% | 1,252 |
| Net operating income to assets | 0.5521% | 4,593 |
| Return on assets (ROA) | 0.5521% | 4,692 |
| Pretax return on assets | 1.1757% | 2,778 |
| Return on Equity (ROE) | 6.6146% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.6146% | 1,971 |
| Net charge-offs to loans | 0.0619% | 3,089 |
| Credit loss provision to net charge-offs | 416.6667% | 670 |
| Earnings coverage of net charge-offs (x) | 29.2619% | 1,272 |
| Efficiency ratio | 64.7245% | 4,580 |
| Assets per employee ($millions) | 3.3318% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 4,091 |
| Loan loss allowance to noncurrent loans | 601.9868% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 5,040 |
| Noncurrent loans to loans | 0.2092% | 5,392 |
| Net loans and leases to total assets | 82.2674% | 448 |
| Net loans and leases to deposits | 93.3851% | 1,017 |
| Net loans and leases to core deposits | 99.1796% | 1,346 |
| Total domestic deposits to total assets | 88.0948% | 1,852 |
| Equity capital to assets | 8.8680% | 5,444 |
| Core capital (leverage) ratio | 8.7147% | 5,379 |
| Tier 1 risk-based capital ratio | 11.7230% | 5,679 |
| Total risk-based capital ratio | 12.9747% | 5,627 |
| Memoranda: | ||
| Average total assets | $179,304,330 | 3,259 |
| Average earning assets | $171,913,000 | 3,172 |
| Average equity | $14,967,000 | 3,860 |
| Average total loans | $135,765,000 | 2,780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 3,106 |
| Cost of funding earning assets | 0.6252% | 1,770 |
| Net interest margin | 3.5199% | 3,604 |
| Noninterest income to average assets | 0.3466% | 4,601 |
| Noninterest expense to average assets | 2.4373% | 4,821 |
| Loan and lease loss provision to assets | 0.2304% | 961 |
| Net operating income to assets | -0.1733% | 6,339 |
| Return on assets (ROA) | -0.1733% | 6,342 |
| Pretax return on assets | 1.0508% | 3,131 |
| Return on Equity (ROE) | -2.1397% | 6,361 |
| Retained earnings to average equity (ytd only) | -2.1397% | 5,870 |
| Net charge-offs to loans | 0.1400% | 1,883 |
| Credit loss provision to net charge-offs | 228.2609% | 952 |
| Earnings coverage of net charge-offs (x) | 12.6957% | 1,704 |
| Efficiency ratio | 65.5457% | 4,602 |
| Assets per employee ($millions) | 3.4442% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 3,943 |
| Loan loss allowance to noncurrent loans | 539.9381% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 5,346 |
| Noncurrent loans to loans | 0.2466% | 5,365 |
| Net loans and leases to total assets | 72.1496% | 1,557 |
| Net loans and leases to deposits | 81.2108% | 2,137 |
| Net loans and leases to core deposits | 85.8767% | 2,331 |
| Total domestic deposits to total assets | 88.8423% | 1,757 |
| Equity capital to assets | 8.2252% | 5,888 |
| Core capital (leverage) ratio | 8.1502% | 5,991 |
| Tier 1 risk-based capital ratio | 12.2897% | 5,449 |
| Total risk-based capital ratio | 13.5423% | 5,383 |
| Memoranda: | ||
| Average total assets | $182,330,500 | 3,254 |
| Average earning assets | $174,666,500 | 3,163 |
| Average equity | $14,768,500 | 3,905 |
| Average total loans | $131,473,500 | 2,854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,684 |
| Cost of funding earning assets | 0.7161% | 1,704 |
| Net interest margin | 3.6547% | 3,229 |
| Noninterest income to average assets | 0.3985% | 4,452 |
| Noninterest expense to average assets | 2.2780% | 5,432 |
| Loan and lease loss provision to assets | 0.2007% | 1,856 |
| Net operating income to assets | 0.9208% | 2,674 |
| Return on assets (ROA) | 0.9208% | 2,764 |
| Pretax return on assets | 1.4302% | 1,684 |
| Return on Equity (ROE) | 11.6928% | 1,525 |
| Retained earnings to average equity (ytd only) | 6.8798% | 1,486 |
| Net charge-offs to loans | 0.1362% | 3,440 |
| Credit loss provision to net charge-offs | 201.1173% | 1,137 |
| Earnings coverage of net charge-offs (x) | 16.3464% | 1,807 |
| Efficiency ratio | 58.2775% | 5,701 |
| Assets per employee ($millions) | 3.4364% | 5,012 |
| Cash dividends to net income (ytd only)* | 41.1622% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 4,261 |
| Loan loss allowance to noncurrent loans | 183.5512% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 4,753 |
| Noncurrent loans to loans | 0.6955% | 4,239 |
| Net loans and leases to total assets | 70.2185% | 1,976 |
| Net loans and leases to deposits | 78.6771% | 2,637 |
| Net loans and leases to core deposits | 84.3116% | 2,638 |
| Total domestic deposits to total assets | 89.2491% | 1,455 |
| Equity capital to assets | 7.9789% | 6,036 |
| Core capital (leverage) ratio | 8.0485% | 6,098 |
| Tier 1 risk-based capital ratio | 12.0689% | 5,580 |
| Total risk-based capital ratio | 13.3201% | 5,511 |
| Memoranda: | ||
| Average total assets | $179,411,200 | 3,278 |
| Average earning assets | $172,325,200 | 3,186 |
| Average equity | $14,128,400 | 4,040 |
| Average total loans | $131,440,200 | 2,839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,580 |
| Cost of funding earning assets | 0.7335% | 1,720 |
| Net interest margin | 3.6715% | 3,145 |
| Noninterest income to average assets | 0.4033% | 4,515 |
| Noninterest expense to average assets | 2.2877% | 5,380 |
| Loan and lease loss provision to assets | 0.2024% | 1,793 |
| Net operating income to assets | 0.9280% | 2,697 |
| Return on assets (ROA) | 0.9280% | 2,809 |
| Pretax return on assets | 1.4399% | 1,799 |
| Return on Equity (ROE) | 11.8248% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.3298% | 2,853 |
| Net charge-offs to loans | 0.1178% | 3,371 |
| Credit loss provision to net charge-offs | 232.7586% | 1,042 |
| Earnings coverage of net charge-offs (x) | 18.8883% | 1,654 |
| Efficiency ratio | 58.2109% | 5,659 |
| Assets per employee ($millions) | 3.2499% | 5,385 |
| Cash dividends to net income (ytd only)* | 54.9269% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 4,817 |
| Loan loss allowance to noncurrent loans | 609.5588% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 5,947 |
| Noncurrent loans to loans | 0.1986% | 5,739 |
| Net loans and leases to total assets | 81.6365% | 395 |
| Net loans and leases to deposits | 92.6711% | 929 |
| Net loans and leases to core deposits | 100.6322% | 1,069 |
| Total domestic deposits to total assets | 88.0927% | 2,070 |
| Equity capital to assets | 8.6807% | 5,544 |
| Core capital (leverage) ratio | 8.6653% | 5,585 |
| Tier 1 risk-based capital ratio | 11.4012% | 6,100 |
| Total risk-based capital ratio | 12.6518% | 6,067 |
| Memoranda: | ||
| Average total assets | $177,872,750 | 3,327 |
| Average earning assets | $170,862,000 | 3,231 |
| Average equity | $13,959,000 | 4,123 |
| Average total loans | $131,303,750 | 2,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 3,232 |
| Cost of funding earning assets | 0.7506% | 1,702 |
| Net interest margin | 3.4812% | 3,861 |
| Noninterest income to average assets | 0.3870% | 4,619 |
| Noninterest expense to average assets | 2.2241% | 5,567 |
| Loan and lease loss provision to assets | 0.1979% | 1,918 |
| Net operating income to assets | 0.8498% | 3,042 |
| Return on assets (ROA) | 0.8498% | 3,194 |
| Pretax return on assets | 1.3149% | 2,251 |
| Return on Equity (ROE) | 11.1899% | 1,751 |
| Retained earnings to average equity (ytd only) | 1.3463% | 5,349 |
| Net charge-offs to loans | 0.1839% | 2,656 |
| Credit loss provision to net charge-offs | 151.2605% | 1,524 |
| Earnings coverage of net charge-offs (x) | 11.5630% | 2,043 |
| Efficiency ratio | 59.5175% | 5,540 |
| Assets per employee ($millions) | 3.2872% | 5,297 |
| Cash dividends to net income (ytd only)* | 87.9690% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,101 |
| Loan loss allowance to noncurrent loans | 621.0317% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 6,042 |
| Noncurrent loans to loans | 0.1899% | 5,839 |
| Net loans and leases to total assets | 78.2124% | 722 |
| Net loans and leases to deposits | 88.3064% | 1,306 |
| Net loans and leases to core deposits | 95.8157% | 1,373 |
| Total domestic deposits to total assets | 88.5694% | 1,872 |
| Equity capital to assets | 8.2734% | 5,995 |
| Core capital (leverage) ratio | 8.1696% | 6,038 |
| Tier 1 risk-based capital ratio | 11.3574% | 6,173 |
| Total risk-based capital ratio | 12.6073% | 6,140 |
| Memoranda: | ||
| Average total assets | $181,914,670 | 3,293 |
| Average earning assets | $175,057,000 | 3,190 |
| Average equity | $13,816,000 | 4,188 |
| Average total loans | $129,415,670 | 2,891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,916 |
| Cost of funding earning assets | 0.7436% | 1,899 |
| Net interest margin | 3.3078% | 4,487 |
| Noninterest income to average assets | 0.3597% | 4,791 |
| Noninterest expense to average assets | 2.1032% | 5,907 |
| Loan and lease loss provision to assets | 0.1904% | 1,935 |
| Net operating income to assets | 0.8104% | 3,098 |
| Return on assets (ROA) | 0.8104% | 3,234 |
| Pretax return on assets | 1.2568% | 2,389 |
| Return on Equity (ROE) | 11.1103% | 1,676 |
| Retained earnings to average equity (ytd only) | -8.6156% | 6,559 |
| Net charge-offs to loans | 0.0031% | 4,107 |
| Credit loss provision to net charge-offs | 9,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 684.0000% | 45 |
| Efficiency ratio | 59.2372% | 5,692 |
| Assets per employee ($millions) | 3.8549% | 4,243 |
| Cash dividends to net income (ytd only)* | 177.5457% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,923 |
| Loan loss allowance to noncurrent loans | 456.4470% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 5,995 |
| Noncurrent loans to loans | 0.2748% | 5,717 |
| Net loans and leases to total assets | 69.2241% | 1,795 |
| Net loans and leases to deposits | 77.3607% | 2,440 |
| Net loans and leases to core deposits | 85.5223% | 2,157 |
| Total domestic deposits to total assets | 89.4823% | 1,367 |
| Equity capital to assets | 7.5251% | 6,586 |
| Core capital (leverage) ratio | 7.2823% | 6,552 |
| Tier 1 risk-based capital ratio | 11.6849% | 6,096 |
| Total risk-based capital ratio | 12.9363% | 6,071 |
| Memoranda: | ||
| Average total assets | $189,049,000 | 3,236 |
| Average earning assets | $182,356,000 | 3,110 |
| Average equity | $13,789,000 | 4,233 |
| Average total loans | $127,781,000 | 2,937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 2,874 |
| Cost of funding earning assets | 0.9006% | 1,931 |
| Net interest margin | 3.7311% | 3,515 |
| Noninterest income to average assets | 0.4039% | 4,576 |
| Noninterest expense to average assets | 2.2388% | 5,837 |
| Loan and lease loss provision to assets | 0.1902% | 3,261 |
| Net operating income to assets | 0.9958% | 2,352 |
| Return on assets (ROA) | 0.9958% | 2,574 |
| Pretax return on assets | 1.5647% | 1,477 |
| Return on Equity (ROE) | 13.6688% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.3309% | 237 |
| Net charge-offs to loans | 0.0407% | 5,351 |
| Credit loss provision to net charge-offs | 641.5094% | 379 |
| Earnings coverage of net charge-offs (x) | 59.1887% | 604 |
| Efficiency ratio | 56.0583% | 6,052 |
| Assets per employee ($millions) | 4.1024% | 3,733 |
| Cash dividends to net income (ytd only)* | 2.4719% | 4,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,263 |
| Loan loss allowance to noncurrent loans | 699.5349% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 6,313 |
| Noncurrent loans to loans | 0.1673% | 6,064 |
| Net loans and leases to total assets | 64.5165% | 2,810 |
| Net loans and leases to deposits | 71.8827% | 3,430 |
| Net loans and leases to core deposits | 78.0949% | 3,250 |
| Total domestic deposits to total assets | 89.7525% | 1,092 |
| Equity capital to assets | 7.0812% | 6,762 |
| Core capital (leverage) ratio | 6.9385% | 6,721 |
| Tier 1 risk-based capital ratio | 11.8602% | 5,869 |
| Total risk-based capital ratio | 13.1110% | 5,829 |
| Memoranda: | ||
| Average total assets | $178,758,200 | 3,330 |
| Average earning assets | $171,988,200 | 3,202 |
| Average equity | $13,022,400 | 4,354 |
| Average total loans | $130,146,800 | 2,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 2,553 |
| Cost of funding earning assets | 0.9121% | 2,093 |
| Net interest margin | 3.8451% | 3,139 |
| Noninterest income to average assets | 0.4148% | 4,522 |
| Noninterest expense to average assets | 2.2844% | 5,728 |
| Loan and lease loss provision to assets | 0.2143% | 2,927 |
| Net operating income to assets | 1.0263% | 2,382 |
| Return on assets (ROA) | 1.0263% | 2,600 |
| Pretax return on assets | 1.6102% | 1,544 |
| Return on Equity (ROE) | 13.9772% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.5185% | 346 |
| Net charge-offs to loans | 0.0296% | 5,238 |
| Credit loss provision to net charge-offs | 965.5172% | 298 |
| Earnings coverage of net charge-offs (x) | 82.1978% | 502 |
| Efficiency ratio | 55.5969% | 6,096 |
| Assets per employee ($millions) | 3.4750% | 5,023 |
| Cash dividends to net income (ytd only)* | 3.2814% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,003 |
| Loan loss allowance to noncurrent loans | 213.9942% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 5,627 |
| Noncurrent loans to loans | 0.4774% | 5,495 |
| Net loans and leases to total assets | 85.2712% | 175 |
| Net loans and leases to deposits | 98.9048% | 499 |
| Net loans and leases to core deposits | 110.2974% | 557 |
| Total domestic deposits to total assets | 86.2154% | 3,138 |
| Equity capital to assets | 8.1078% | 6,542 |
| Core capital (leverage) ratio | 8.0206% | 6,311 |
| Tier 1 risk-based capital ratio | 10.3409% | 6,717 |
| Total risk-based capital ratio | 11.4701% | 6,727 |
| Memoranda: | ||
| Average total assets | $174,218,500 | 3,426 |
| Average earning assets | $167,376,500 | 3,296 |
| Average equity | $12,792,000 | 4,448 |
| Average total loans | $130,546,500 | 2,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,755 |
| Cost of funding earning assets | 0.9387% | 2,127 |
| Net interest margin | 3.5642% | 4,403 |
| Noninterest income to average assets | 0.4109% | 4,574 |
| Noninterest expense to average assets | 2.2446% | 5,892 |
| Loan and lease loss provision to assets | 0.1924% | 3,166 |
| Net operating income to assets | 0.8976% | 2,919 |
| Return on assets (ROA) | 0.8976% | 3,187 |
| Pretax return on assets | 1.4036% | 2,183 |
| Return on Equity (ROE) | 12.6395% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.9382% | 591 |
| Net charge-offs to loans | 0.0159% | 5,199 |
| Credit loss provision to net charge-offs | 1,700.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 317 |
| Efficiency ratio | 58.4439% | 5,810 |
| Assets per employee ($millions) | 3.3008% | 5,445 |
| Cash dividends to net income (ytd only)* | 5.5485% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,206 |
| Loan loss allowance to noncurrent loans | 559.7561% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 6,279 |
| Noncurrent loans to loans | 0.1764% | 6,233 |
| Net loans and leases to total assets | 83.6500% | 228 |
| Net loans and leases to deposits | 94.6867% | 720 |
| Net loans and leases to core deposits | 104.6299% | 817 |
| Total domestic deposits to total assets | 88.3440% | 1,934 |
| Equity capital to assets | 7.8333% | 6,662 |
| Core capital (leverage) ratio | 7.5820% | 6,577 |
| Tier 1 risk-based capital ratio | 10.1789% | 6,780 |
| Total risk-based capital ratio | 11.2657% | 6,802 |
| Memoranda: | ||
| Average total assets | $176,690,670 | 3,414 |
| Average earning assets | $170,025,000 | 3,268 |
| Average equity | $12,548,000 | 4,490 |
| Average total loans | $126,161,330 | 3,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 5,099 |
| Cost of funding earning assets | 0.9576% | 2,250 |
| Net interest margin | 3.2436% | 5,648 |
| Noninterest income to average assets | 0.3528% | 5,044 |
| Noninterest expense to average assets | 2.1478% | 6,158 |
| Loan and lease loss provision to assets | 0.1753% | 3,210 |
| Net operating income to assets | 0.7364% | 3,706 |
| Return on assets (ROA) | 0.7364% | 3,939 |
| Pretax return on assets | 1.1550% | 3,091 |
| Return on Equity (ROE) | 10.8755% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.8755% | 1,062 |
| Net charge-offs to loans | -0.0167% | 6,117 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7517% | 5,316 |
| Assets per employee ($millions) | 3.5812% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 6,012 |
| Loan loss allowance to noncurrent loans | 374.1379% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 6,278 |
| Noncurrent loans to loans | 0.2857% | 6,104 |
| Net loans and leases to total assets | 67.2881% | 2,232 |
| Net loans and leases to deposits | 75.2257% | 2,940 |
| Net loans and leases to core deposits | 81.3325% | 2,913 |
| Total domestic deposits to total assets | 89.4482% | 1,399 |
| Equity capital to assets | 6.9882% | 6,937 |
| Core capital (leverage) ratio | 6.7321% | 6,923 |
| Tier 1 risk-based capital ratio | 11.2751% | 6,403 |
| Total risk-based capital ratio | 12.4511% | 6,426 |
| Memoranda: | ||
| Average total assets | $182,516,000 | 3,339 |
| Average earning assets | $175,856,500 | 3,212 |
| Average equity | $12,358,000 | 4,540 |
| Average total loans | $119,525,500 | 3,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,336 |
| Cost of funding earning assets | 1.1815% | 2,154 |
| Net interest margin | 3.7221% | 4,195 |
| Noninterest income to average assets | 0.4204% | 4,444 |
| Noninterest expense to average assets | 2.4905% | 5,496 |
| Loan and lease loss provision to assets | 0.1338% | 4,940 |
| Net operating income to assets | 0.8554% | 2,792 |
| Return on assets (ROA) | 0.8554% | 2,947 |
| Pretax return on assets | 1.3478% | 1,957 |
| Return on Equity (ROE) | 11.0937% | 1,669 |
| Retained earnings to average equity (ytd only) | 4.2789% | 3,138 |
| Net charge-offs to loans | 0.1412% | 5,016 |
| Credit loss provision to net charge-offs | 125.7485% | 2,485 |
| Earnings coverage of net charge-offs (x) | 13.9281% | 1,504 |
| Efficiency ratio | 62.7004% | 5,351 |
| Assets per employee ($millions) | 3.8744% | 4,152 |
| Cash dividends to net income (ytd only)* | 61.4296% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 6,042 |
| Loan loss allowance to noncurrent loans | 320.2632% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 5,898 |
| Noncurrent loans to loans | 0.3241% | 6,083 |
| Net loans and leases to total assets | 62.3997% | 3,520 |
| Net loans and leases to deposits | 69.2717% | 4,234 |
| Net loans and leases to core deposits | 74.1783% | 4,214 |
| Total domestic deposits to total assets | 90.0797% | 952 |
| Equity capital to assets | 6.5617% | 7,040 |
| Core capital (leverage) ratio | 6.4600% | 6,988 |
| Tier 1 risk-based capital ratio | 11.5657% | 6,122 |
| Total risk-based capital ratio | 12.7245% | 6,166 |
| Memoranda: | ||
| Average total assets | $156,998,400 | 3,680 |
| Average earning assets | $149,807,000 | 3,581 |
| Average equity | $12,106,000 | 4,529 |
| Average total loans | $118,250,400 | 3,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 2,605 |
| Cost of funding earning assets | 1.1971% | 2,331 |
| Net interest margin | 3.9038% | 3,367 |
| Noninterest income to average assets | 0.4354% | 4,401 |
| Noninterest expense to average assets | 2.6193% | 5,004 |
| Loan and lease loss provision to assets | 0.1870% | 4,161 |
| Net operating income to assets | 0.8529% | 2,928 |
| Return on assets (ROA) | 0.8529% | 3,085 |
| Pretax return on assets | 1.3453% | 2,132 |
| Return on Equity (ROE) | 10.5721% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.5721% | 710 |
| Net charge-offs to loans | 0.1181% | 4,844 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 16.3901% | 1,401 |
| Efficiency ratio | 63.0924% | 5,220 |
| Assets per employee ($millions) | 3.0395% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,367 |
| Loan loss allowance to noncurrent loans | 253.7698% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 5,520 |
| Noncurrent loans to loans | 0.3851% | 6,086 |
| Net loans and leases to total assets | 87.0065% | 105 |
| Net loans and leases to deposits | 101.2280% | 417 |
| Net loans and leases to core deposits | 108.7132% | 737 |
| Total domestic deposits to total assets | 85.9510% | 3,239 |
| Equity capital to assets | 8.4983% | 6,298 |
| Core capital (leverage) ratio | 8.3683% | 5,901 |
| Tier 1 risk-based capital ratio | 10.5844% | 6,742 |
| Total risk-based capital ratio | 11.6599% | 6,799 |
| Memoranda: | ||
| Average total assets | $149,755,000 | 3,826 |
| Average earning assets | $142,559,000 | 3,726 |
| Average equity | $12,081,750 | 4,543 |
| Average total loans | $118,497,250 | 3,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 3,677 |
| Cost of funding earning assets | 1.2182% | 2,454 |
| Net interest margin | 3.6699% | 4,412 |
| Noninterest income to average assets | 0.4039% | 4,651 |
| Noninterest expense to average assets | 2.6235% | 5,097 |
| Loan and lease loss provision to assets | 0.2400% | 3,513 |
| Net operating income to assets | 0.6599% | 3,745 |
| Return on assets (ROA) | 0.6599% | 3,869 |
| Pretax return on assets | 1.0345% | 3,101 |
| Return on Equity (ROE) | 8.3263% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.3263% | 1,332 |
| Net charge-offs to loans | 0.1626% | 4,202 |
| Credit loss provision to net charge-offs | 193.5484% | 1,558 |
| Earnings coverage of net charge-offs (x) | 10.2796% | 1,830 |
| Efficiency ratio | 67.3051% | 4,645 |
| Assets per employee ($millions) | 3.0926% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,238 |
| Loan loss allowance to noncurrent loans | 122.7848% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 4,875 |
| Noncurrent loans to loans | 0.8343% | 5,262 |
| Net loans and leases to total assets | 80.4037% | 496 |
| Net loans and leases to deposits | 92.3039% | 1,017 |
| Net loans and leases to core deposits | 100.2716% | 1,320 |
| Total domestic deposits to total assets | 87.1076% | 2,682 |
| Equity capital to assets | 8.0336% | 6,658 |
| Core capital (leverage) ratio | 7.9007% | 6,409 |
| Tier 1 risk-based capital ratio | 10.9627% | 6,560 |
| Total risk-based capital ratio | 12.1029% | 6,593 |
| Memoranda: | ||
| Average total assets | $150,028,000 | 3,847 |
| Average earning assets | $142,837,330 | 3,746 |
| Average equity | $11,890,000 | 4,582 |
| Average total loans | $114,375,330 | 3,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 4,312 |
| Cost of funding earning assets | 1.2417% | 2,558 |
| Net interest margin | 3.5027% | 5,000 |
| Noninterest income to average assets | 0.4207% | 4,536 |
| Noninterest expense to average assets | 2.6421% | 5,074 |
| Loan and lease loss provision to assets | 0.2412% | 3,266 |
| Net operating income to assets | 0.5600% | 4,232 |
| Return on assets (ROA) | 0.5600% | 4,309 |
| Pretax return on assets | 0.8709% | 3,618 |
| Return on Equity (ROE) | 7.1161% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.1161% | 2,096 |
| Net charge-offs to loans | 0.2327% | 3,146 |
| Credit loss provision to net charge-offs | 140.6250% | 1,996 |
| Earnings coverage of net charge-offs (x) | 6.4844% | 2,094 |
| Efficiency ratio | 70.3783% | 4,182 |
| Assets per employee ($millions) | 3.1618% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 6,104 |
| Loan loss allowance to noncurrent loans | 111.5242% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 4,859 |
| Noncurrent loans to loans | 0.9729% | 5,098 |
| Net loans and leases to total assets | 70.6128% | 2,007 |
| Net loans and leases to deposits | 80.6153% | 2,594 |
| Net loans and leases to core deposits | 87.5444% | 2,661 |
| Total domestic deposits to total assets | 87.5923% | 2,617 |
| Equity capital to assets | 7.6481% | 6,783 |
| Core capital (leverage) ratio | 7.8610% | 6,406 |
| Tier 1 risk-based capital ratio | 12.2379% | 5,486 |
| Total risk-based capital ratio | 13.4785% | 5,498 |
| Memoranda: | ||
| Average total assets | $149,272,500 | 3,889 |
| Average earning assets | $142,063,000 | 3,790 |
| Average equity | $11,748,000 | 4,613 |
| Average total loans | $110,011,000 | 3,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 3,622 |
| Cost of funding earning assets | 1.5466% | 2,366 |
| Net interest margin | 3.6509% | 4,569 |
| Noninterest income to average assets | 0.5172% | 4,043 |
| Noninterest expense to average assets | 2.7991% | 4,610 |
| Loan and lease loss provision to assets | 0.1646% | 5,570 |
| Net operating income to assets | 0.6615% | 3,387 |
| Return on assets (ROA) | 0.7346% | 3,199 |
| Pretax return on assets | 1.1228% | 2,492 |
| Return on Equity (ROE) | 9.4041% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.4099% | 1,613 |
| Net charge-offs to loans | 0.0952% | 5,895 |
| Credit loss provision to net charge-offs | 228.5714% | 1,286 |
| Earnings coverage of net charge-offs (x) | 16.3143% | 1,215 |
| Efficiency ratio | 70.4349% | 4,081 |
| Assets per employee ($millions) | 3.0557% | 5,986 |
| Cash dividends to net income (ytd only)* | 31.8394% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 6,060 |
| Loan loss allowance to noncurrent loans | 60.4843% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6614% | 3,809 |
| Noncurrent loans to loans | 1.7739% | 3,849 |
| Net loans and leases to total assets | 75.3734% | 1,403 |
| Net loans and leases to deposits | 86.8034% | 1,965 |
| Net loans and leases to core deposits | 94.5538% | 2,190 |
| Total domestic deposits to total assets | 86.8323% | 2,917 |
| Equity capital to assets | 8.1098% | 6,372 |
| Core capital (leverage) ratio | 8.0027% | 6,201 |
| Tier 1 risk-based capital ratio | 12.1086% | 5,377 |
| Total risk-based capital ratio | 13.3310% | 5,381 |
| Memoranda: | ||
| Average total assets | $145,795,200 | 3,950 |
| Average earning assets | $138,048,800 | 3,855 |
| Average equity | $11,388,600 | 4,767 |
| Average total loans | $110,272,000 | 3,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 3,861 |
| Cost of funding earning assets | 1.6081% | 2,340 |
| Net interest margin | 3.5859% | 4,942 |
| Noninterest income to average assets | 0.5166% | 4,050 |
| Noninterest expense to average assets | 2.9219% | 4,007 |
| Loan and lease loss provision to assets | 0.2187% | 4,879 |
| Net operating income to assets | 0.5121% | 4,258 |
| Return on assets (ROA) | 0.6123% | 3,994 |
| Pretax return on assets | 0.9184% | 3,502 |
| Return on Equity (ROE) | 7.9122% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9122% | 1,448 |
| Net charge-offs to loans | 0.1002% | 5,526 |
| Credit loss provision to net charge-offs | 289.1566% | 1,113 |
| Earnings coverage of net charge-offs (x) | 13.0607% | 1,623 |
| Efficiency ratio | 74.7378% | 3,191 |
| Assets per employee ($millions) | 2.9558% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,422 |
| Loan loss allowance to noncurrent loans | 360.2410% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 6,051 |
| Noncurrent loans to loans | 0.2757% | 6,636 |
| Net loans and leases to total assets | 85.8366% | 215 |
| Net loans and leases to deposits | 99.4545% | 691 |
| Net loans and leases to core deposits | 109.1158% | 1,088 |
| Total domestic deposits to total assets | 86.3073% | 2,913 |
| Equity capital to assets | 8.3673% | 6,434 |
| Core capital (leverage) ratio | 7.9783% | 6,379 |
| Tier 1 risk-based capital ratio | 10.8843% | 6,477 |
| Total risk-based capital ratio | 12.0093% | 6,568 |
| Memoranda: | ||
| Average total assets | $146,339,750 | 3,996 |
| Average earning assets | $138,465,750 | 3,898 |
| Average equity | $11,324,000 | 4,852 |
| Average total loans | $110,484,250 | 3,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 5,276 |
| Cost of funding earning assets | 1.6101% | 2,599 |
| Net interest margin | 3.3181% | 5,952 |
| Noninterest income to average assets | 0.5080% | 4,045 |
| Noninterest expense to average assets | 2.4608% | 5,873 |
| Loan and lease loss provision to assets | 0.3226% | 3,811 |
| Net operating income to assets | 0.5860% | 3,930 |
| Return on assets (ROA) | 0.5860% | 4,074 |
| Pretax return on assets | 0.8709% | 3,619 |
| Return on Equity (ROE) | 7.7691% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.7691% | 1,523 |
| Net charge-offs to loans | 0.1232% | 4,955 |
| Credit loss provision to net charge-offs | 363.6364% | 1,002 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,590 |
| Efficiency ratio | 67.3409% | 4,706 |
| Assets per employee ($millions) | 3.0561% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 6,066 |
| Loan loss allowance to noncurrent loans | 450.9294% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 6,247 |
| Noncurrent loans to loans | 0.2381% | 6,758 |
| Net loans and leases to total assets | 76.1805% | 1,461 |
| Net loans and leases to deposits | 91.5924% | 1,599 |
| Net loans and leases to core deposits | 100.4034% | 1,971 |
| Total domestic deposits to total assets | 83.1735% | 4,490 |
| Equity capital to assets | 7.8082% | 6,917 |
| Core capital (leverage) ratio | 7.6002% | 6,732 |
| Tier 1 risk-based capital ratio | 11.1735% | 6,069 |
| Total risk-based capital ratio | 12.3692% | 6,106 |
| Memoranda: | ||
| Average total assets | $148,812,670 | 3,974 |
| Average earning assets | $141,105,000 | 3,882 |
| Average equity | $11,224,000 | 4,877 |
| Average total loans | $107,165,330 | 3,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 5,954 |
| Cost of funding earning assets | 1.6215% | 2,826 |
| Net interest margin | 3.1613% | 6,415 |
| Noninterest income to average assets | 0.4964% | 4,070 |
| Noninterest expense to average assets | 2.4207% | 6,013 |
| Loan and lease loss provision to assets | 0.3736% | 3,130 |
| Net operating income to assets | 0.4777% | 4,502 |
| Return on assets (ROA) | 0.4777% | 4,630 |
| Pretax return on assets | 0.6993% | 4,235 |
| Return on Equity (ROE) | 6.4452% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.4452% | 2,378 |
| Net charge-offs to loans | 0.0729% | 4,689 |
| Credit loss provision to net charge-offs | 736.8421% | 617 |
| Earnings coverage of net charge-offs (x) | 21.1579% | 1,132 |
| Efficiency ratio | 69.2895% | 4,450 |
| Assets per employee ($millions) | 3.0339% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,959 |
| Loan loss allowance to noncurrent loans | 408.4507% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 6,195 |
| Noncurrent loans to loans | 0.2719% | 6,778 |
| Net loans and leases to total assets | 68.0816% | 3,368 |
| Net loans and leases to deposits | 81.1419% | 3,436 |
| Net loans and leases to core deposits | 88.1788% | 3,604 |
| Total domestic deposits to total assets | 83.9043% | 4,188 |
| Equity capital to assets | 7.3734% | 7,163 |
| Core capital (leverage) ratio | 7.3496% | 6,986 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,541 |
| Total risk-based capital ratio | 12.8579% | 5,540 |
| Memoranda: | ||
| Average total assets | $149,873,500 | 4,008 |
| Average earning assets | $142,093,000 | 3,917 |
| Average equity | $11,109,000 | 4,950 |
| Average total loans | $104,266,500 | 3,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 2,714 |
| Cost of funding earning assets | 1.7434% | 4,284 |
| Net interest margin | 4.0426% | 2,685 |
| Noninterest income to average assets | 0.4733% | 4,626 |
| Noninterest expense to average assets | 2.7770% | 5,065 |
| Loan and lease loss provision to assets | 0.3321% | 4,820 |
| Net operating income to assets | 0.8053% | 2,519 |
| Return on assets (ROA) | 0.8704% | 2,340 |
| Pretax return on assets | 1.2217% | 1,900 |
| Return on Equity (ROE) | 11.2305% | 1,373 |
| Retained earnings to average equity (ytd only) | 11.2305% | 273 |
| Net charge-offs to loans | 0.2971% | 4,775 |
| Credit loss provision to net charge-offs | 143.4505% | 3,343 |
| Earnings coverage of net charge-offs (x) | 6.3163% | 2,388 |
| Efficiency ratio | 65.5094% | 5,487 |
| Assets per employee ($millions) | 3.0845% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,399 |
| Loan loss allowance to noncurrent loans | 155.5389% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 5,447 |
| Noncurrent loans to loans | 0.6417% | 5,953 |
| Net loans and leases to total assets | 69.6091% | 3,339 |
| Net loans and leases to deposits | 83.2517% | 3,410 |
| Net loans and leases to core deposits | 107.1355% | 3,199 |
| Total domestic deposits to total assets | 83.6127% | 4,228 |
| Equity capital to assets | 7.4520% | 7,075 |
| Core capital (leverage) ratio | 7.6376% | 6,635 |
| Tier 1 risk-based capital ratio | 11.4704% | 5,421 |
| Total risk-based capital ratio | 12.5638% | 5,543 |
| Memoranda: | ||
| Average total assets | $135,218,400 | 4,234 |
| Average earning assets | $125,960,000 | 4,176 |
| Average equity | $10,480,400 | 5,170 |
| Average total loans | $105,346,000 | 3,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 2,314 |
| Cost of funding earning assets | 1.7805% | 4,477 |
| Net interest margin | 4.1505% | 2,213 |
| Noninterest income to average assets | 0.5202% | 4,316 |
| Noninterest expense to average assets | 2.8623% | 4,603 |
| Loan and lease loss provision to assets | 0.3555% | 4,192 |
| Net operating income to assets | 0.8115% | 2,764 |
| Return on assets (ROA) | 0.8100% | 2,833 |
| Pretax return on assets | 1.1474% | 2,423 |
| Return on Equity (ROE) | 10.3392% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.3392% | 573 |
| Net charge-offs to loans | 0.1792% | 4,958 |
| Credit loss provision to net charge-offs | 247.8873% | 1,742 |
| Earnings coverage of net charge-offs (x) | 10.4929% | 1,959 |
| Efficiency ratio | 65.5412% | 5,450 |
| Assets per employee ($millions) | 2.9029% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,538 |
| Loan loss allowance to noncurrent loans | 147.6127% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 5,048 |
| Noncurrent loans to loans | 0.6444% | 6,010 |
| Net loans and leases to total assets | 83.1721% | 649 |
| Net loans and leases to deposits | 107.4945% | 579 |
| Net loans and leases to core deposits | 138.5357% | 985 |
| Total domestic deposits to total assets | 77.3733% | 6,241 |
| Equity capital to assets | 7.7458% | 7,104 |
| Core capital (leverage) ratio | 7.6062% | 6,853 |
| Tier 1 risk-based capital ratio | 9.9484% | 7,023 |
| Total risk-based capital ratio | 11.0005% | 7,156 |
| Memoranda: | ||
| Average total assets | $132,009,500 | 4,321 |
| Average earning assets | $122,361,000 | 4,294 |
| Average equity | $10,342,250 | 5,243 |
| Average total loans | $105,658,000 | 3,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8929% | 2,617 |
| Cost of funding earning assets | 1.8160% | 4,681 |
| Net interest margin | 4.0769% | 2,407 |
| Noninterest income to average assets | 0.5310% | 4,174 |
| Noninterest expense to average assets | 2.9576% | 4,260 |
| Loan and lease loss provision to assets | 0.2377% | 4,683 |
| Net operating income to assets | 0.7755% | 2,954 |
| Return on assets (ROA) | 0.7734% | 3,062 |
| Pretax return on assets | 1.0821% | 2,697 |
| Return on Equity (ROE) | 9.8312% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.8312% | 768 |
| Net charge-offs to loans | 0.1845% | 4,415 |
| Credit loss provision to net charge-offs | 163.8298% | 2,801 |
| Earnings coverage of net charge-offs (x) | 9.1170% | 2,171 |
| Efficiency ratio | 69.0948% | 4,960 |
| Assets per employee ($millions) | 2.8139% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,964 |
| Loan loss allowance to noncurrent loans | 78.6765% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 4,383 |
| Noncurrent loans to loans | 1.0854% | 5,028 |
| Net loans and leases to total assets | 82.7784% | 813 |
| Net loans and leases to deposits | 107.4209% | 683 |
| Net loans and leases to core deposits | 135.7107% | 1,230 |
| Total domestic deposits to total assets | 77.0599% | 6,315 |
| Equity capital to assets | 7.7346% | 7,040 |
| Core capital (leverage) ratio | 7.7325% | 6,701 |
| Tier 1 risk-based capital ratio | 9.8935% | 7,049 |
| Total risk-based capital ratio | 10.8255% | 7,284 |
| Memoranda: | ||
| Average total assets | $129,566,000 | 4,403 |
| Average earning assets | $119,160,000 | 4,391 |
| Average equity | $10,192,000 | 5,307 |
| Average total loans | $101,875,670 | 3,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8712% | 2,934 |
| Cost of funding earning assets | 1.8920% | 4,663 |
| Net interest margin | 3.9792% | 2,730 |
| Noninterest income to average assets | 0.4921% | 4,395 |
| Noninterest expense to average assets | 2.9429% | 4,001 |
| Loan and lease loss provision to assets | 0.2050% | 4,398 |
| Net operating income to assets | 0.6939% | 3,591 |
| Return on assets (ROA) | 0.6939% | 3,776 |
| Pretax return on assets | 0.9463% | 3,545 |
| Return on Equity (ROE) | 8.7436% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.7436% | 1,554 |
| Net charge-offs to loans | 0.0871% | 4,291 |
| Credit loss provision to net charge-offs | 309.5238% | 1,575 |
| Earnings coverage of net charge-offs (x) | 17.3810% | 1,513 |
| Efficiency ratio | 71.8798% | 4,214 |
| Assets per employee ($millions) | 2.7153% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 6,656 |
| Loan loss allowance to noncurrent loans | 60.6274% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 3,513 |
| Noncurrent loans to loans | 1.5168% | 4,011 |
| Net loans and leases to total assets | 78.2878% | 1,752 |
| Net loans and leases to deposits | 96.2930% | 1,901 |
| Net loans and leases to core deposits | 123.0957% | 2,154 |
| Total domestic deposits to total assets | 81.3016% | 4,836 |
| Equity capital to assets | 7.8085% | 7,053 |
| Core capital (leverage) ratio | 7.9685% | 6,515 |
| Tier 1 risk-based capital ratio | 10.6415% | 6,243 |
| Total risk-based capital ratio | 11.6550% | 6,399 |
| Memoranda: | ||
| Average total assets | $126,814,500 | 4,472 |
| Average earning assets | $114,798,000 | 4,509 |
| Average equity | $10,064,500 | 5,364 |
| Average total loans | $96,428,000 | 4,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5628% | 2,654 |
| Cost of funding earning assets | 2.5301% | 4,046 |
| Net interest margin | 4.0328% | 2,967 |
| Noninterest income to average assets | 0.5352% | 4,359 |
| Noninterest expense to average assets | 3.0619% | 3,854 |
| Loan and lease loss provision to assets | 0.2505% | 4,413 |
| Net operating income to assets | 0.6655% | 4,040 |
| Return on assets (ROA) | 0.6655% | 3,889 |
| Pretax return on assets | 0.9135% | 3,680 |
| Return on Equity (ROE) | 7.5830% | 3,249 |
| Retained earnings to average equity (ytd only) | -5.7372% | 6,629 |
| Net charge-offs to loans | 0.5444% | 2,192 |
| Credit loss provision to net charge-offs | 61.9835% | 6,208 |
| Earnings coverage of net charge-offs (x) | 2.8802% | 4,638 |
| Efficiency ratio | 72.4560% | 3,853 |
| Assets per employee ($millions) | 2.4659% | 7,266 |
| Cash dividends to net income (ytd only)* | 175.6587% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,002 |
| Loan loss allowance to noncurrent loans | 66.3483% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 3,183 |
| Noncurrent loans to loans | 1.5143% | 3,520 |
| Net loans and leases to total assets | 72.1607% | 3,546 |
| Net loans and leases to deposits | 86.1664% | 4,097 |
| Net loans and leases to core deposits | 112.4264% | 3,519 |
| Total domestic deposits to total assets | 83.7458% | 3,462 |
| Equity capital to assets | 8.0716% | 6,744 |
| Core capital (leverage) ratio | 8.0179% | 6,458 |
| Tier 1 risk-based capital ratio | 11.6977% | 5,060 |
| Total risk-based capital ratio | 12.7843% | 5,102 |
| Memoranda: | ||
| Average total assets | $119,761,600 | 4,529 |
| Average earning assets | $109,602,200 | 4,520 |
| Average equity | $10,510,400 | 5,258 |
| Average total loans | $88,903,200 | 4,260 |