Home > First Oklahoma Bank > Performance and Condition Ratios
First Oklahoma Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3352% | 780 |
| Cost of funding earning assets | 2.9873% | 336 |
| Net interest margin | 3.3479% | 2,669 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 2.6530% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7186% | 3,060 |
| Return on assets (ROA) | 0.7186% | 3,070 |
| Pretax return on assets | 0.9130% | 2,927 |
| Return on Equity (ROE) | 7.8300% | 2,902 |
| Retained earnings to average equity (ytd only) | 4.3747% | 2,747 |
| Net charge-offs to loans | -0.0004% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.3977% | 1,400 |
| Assets per employee ($millions) | 9.9864% | 798 |
| Cash dividends to net income (ytd only)* | 44.0960% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,055 |
| Loan loss allowance to noncurrent loans | 182.5851% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 1,503 |
| Noncurrent loans to loans | 0.5660% | 1,725 |
| Net loans and leases to total assets | 85.5900% | 160 |
| Net loans and leases to deposits | 97.2365% | 543 |
| Net loans and leases to core deposits | 141.6444% | 205 |
| Total domestic deposits to total assets | 88.0200% | 1,547 |
| Equity capital to assets | 9.3013% | 2,712 |
| Core capital (leverage) ratio | 9.1014% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,136,072,500 | 923 |
| Average earning assets | $1,079,373,500 | 892 |
| Average equity | $104,327,500 | 1,010 |
| Average total loans | $978,229,500 | 783 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4558% | 752 |
| Cost of funding earning assets | 3.0572% | 442 |
| Net interest margin | 3.3986% | 2,290 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.4602% | 2,416 |
| Loan and lease loss provision to assets | 0.4200% | 267 |
| Net operating income to assets | 0.6962% | 2,987 |
| Return on assets (ROA) | 0.7610% | 2,817 |
| Pretax return on assets | 0.9283% | 2,727 |
| Return on Equity (ROE) | 8.3100% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.3808% | 2,879 |
| Net charge-offs to loans | 0.5758% | 262 |
| Credit loss provision to net charge-offs | 83.7184% | 2,096 |
| Earnings coverage of net charge-offs (x) | 2.5955% | 2,810 |
| Efficiency ratio | 65.9910% | 2,493 |
| Assets per employee ($millions) | 9.8567% | 811 |
| Cash dividends to net income (ytd only)* | 59.3120% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,064 |
| Loan loss allowance to noncurrent loans | 190.5878% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 1,525 |
| Noncurrent loans to loans | 0.5396% | 1,724 |
| Net loans and leases to total assets | 84.8700% | 222 |
| Net loans and leases to deposits | 98.1228% | 578 |
| Net loans and leases to core deposits | 144.5323% | 201 |
| Total domestic deposits to total assets | 86.5000% | 2,036 |
| Equity capital to assets | 9.0690% | 2,769 |
| Core capital (leverage) ratio | 9.2151% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,107,688,800 | 933 |
| Average earning assets | $1,048,917,800 | 906 |
| Average equity | $101,454,400 | 1,005 |
| Average total loans | $939,815,800 | 798 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4483% | 735 |
| Cost of funding earning assets | 3.0616% | 457 |
| Net interest margin | 3.3867% | 2,255 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.4762% | 2,329 |
| Loan and lease loss provision to assets | 0.5000% | 178 |
| Net operating income to assets | 0.6195% | 3,169 |
| Return on assets (ROA) | 0.7034% | 3,002 |
| Pretax return on assets | 0.8975% | 2,808 |
| Return on Equity (ROE) | 7.6600% | 2,848 |
| Retained earnings to average equity (ytd only) | 2.7051% | 3,269 |
| Net charge-offs to loans | 0.7763% | 180 |
| Credit loss provision to net charge-offs | 76.4271% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.9688% | 2,616 |
| Efficiency ratio | 65.6923% | 2,519 |
| Assets per employee ($millions) | 9.8594% | 810 |
| Cash dividends to net income (ytd only)* | 64.6886% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,118 |
| Loan loss allowance to noncurrent loans | 288.3631% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 2,016 |
| Noncurrent loans to loans | 0.3553% | 2,210 |
| Net loans and leases to total assets | 83.2600% | 312 |
| Net loans and leases to deposits | 96.4600% | 691 |
| Net loans and leases to core deposits | 140.6295% | 252 |
| Total domestic deposits to total assets | 86.3200% | 1,818 |
| Equity capital to assets | 9.1058% | 2,955 |
| Core capital (leverage) ratio | 9.3025% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,098,766,000 | 931 |
| Average earning assets | $1,039,563,250 | 911 |
| Average equity | $100,894,750 | 1,001 |
| Average total loans | $929,647,000 | 802 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3867% | 725 |
| Cost of funding earning assets | 3.0435% | 443 |
| Net interest margin | 3.3432% | 2,311 |
| Noninterest income to average assets | 0.6900% | 1,121 |
| Noninterest expense to average assets | 2.4054% | 2,508 |
| Loan and lease loss provision to assets | 0.7600% | 102 |
| Net operating income to assets | 0.5545% | 3,298 |
| Return on assets (ROA) | 0.5545% | 3,331 |
| Pretax return on assets | 0.6849% | 3,263 |
| Return on Equity (ROE) | 6.0200% | 3,278 |
| Retained earnings to average equity (ytd only) | 1.0417% | 3,590 |
| Net charge-offs to loans | 1.1450% | 115 |
| Credit loss provision to net charge-offs | 78.1746% | 1,665 |
| Earnings coverage of net charge-offs (x) | 1.4873% | 2,465 |
| Efficiency ratio | 62.4923% | 2,944 |
| Assets per employee ($millions) | 9.6422% | 809 |
| Cash dividends to net income (ytd only)* | 82.6993% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,003 |
| Loan loss allowance to noncurrent loans | 319.7523% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 2,049 |
| Noncurrent loans to loans | 0.3304% | 2,204 |
| Net loans and leases to total assets | 83.5800% | 321 |
| Net loans and leases to deposits | 94.8637% | 876 |
| Net loans and leases to core deposits | 139.0146% | 273 |
| Total domestic deposits to total assets | 88.1100% | 1,292 |
| Equity capital to assets | 9.2025% | 2,609 |
| Core capital (leverage) ratio | 9.2485% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,090,366,000 | 934 |
| Average earning assets | $1,030,982,000 | 914 |
| Average equity | $100,411,000 | 1,000 |
| Average total loans | $924,344,000 | 804 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2506% | 799 |
| Cost of funding earning assets | 2.9694% | 448 |
| Net interest margin | 3.2812% | 2,380 |
| Noninterest income to average assets | 0.8200% | 788 |
| Noninterest expense to average assets | 2.4053% | 2,502 |
| Loan and lease loss provision to assets | 1.3300% | 53 |
| Net operating income to assets | 0.1473% | 4,046 |
| Return on assets (ROA) | 0.1473% | 4,085 |
| Pretax return on assets | 0.1960% | 4,040 |
| Return on Equity (ROE) | 1.6000% | 4,061 |
| Retained earnings to average equity (ytd only) | -3.3987% | 4,033 |
| Net charge-offs to loans | 2.0628% | 46 |
| Credit loss provision to net charge-offs | 75.6939% | 1,307 |
| Earnings coverage of net charge-offs (x) | 0.8688% | 2,090 |
| Efficiency ratio | 61.2455% | 3,126 |
| Assets per employee ($millions) | 9.4888% | 862 |
| Cash dividends to net income (ytd only)* | 312.5000% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 2,987 |
| Loan loss allowance to noncurrent loans | 239.8875% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 1,603 |
| Noncurrent loans to loans | 0.4433% | 1,817 |
| Net loans and leases to total assets | 85.1000% | 205 |
| Net loans and leases to deposits | 96.7568% | 662 |
| Net loans and leases to core deposits | 143.7937% | 244 |
| Total domestic deposits to total assets | 87.9600% | 1,435 |
| Equity capital to assets | 9.2988% | 2,471 |
| Core capital (leverage) ratio | 9.3941% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,085,941,500 | 942 |
| Average earning assets | $1,028,762,500 | 918 |
| Average equity | $100,039,000 | 998 |
| Average total loans | $922,222,500 | 807 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 727 |
| Cost of funding earning assets | 2.2480% | 593 |
| Net interest margin | 3.6539% | 1,848 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.6292% | 1,927 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8615% | 2,669 |
| Return on assets (ROA) | 0.8589% | 2,652 |
| Pretax return on assets | 1.1359% | 2,299 |
| Return on Equity (ROE) | 9.3100% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.7436% | 2,341 |
| Net charge-offs to loans | 0.0283% | 1,740 |
| Credit loss provision to net charge-offs | 40.1606% | 2,238 |
| Earnings coverage of net charge-offs (x) | 49.0361% | 1,303 |
| Efficiency ratio | 69.5934% | 1,932 |
| Assets per employee ($millions) | 9.4797% | 833 |
| Cash dividends to net income (ytd only)* | 38.3352% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,118.8776% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,925 |
| Noncurrent loans to loans | 0.1063% | 3,005 |
| Net loans and leases to total assets | 82.8600% | 358 |
| Net loans and leases to deposits | 95.2306% | 847 |
| Net loans and leases to core deposits | 140.1395% | 278 |
| Total domestic deposits to total assets | 87.0100% | 1,677 |
| Equity capital to assets | 9.1277% | 2,593 |
| Core capital (leverage) ratio | 9.3042% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,063,014,400 | 931 |
| Average earning assets | $1,004,461,200 | 904 |
| Average equity | $98,022,800 | 959 |
| Average total loans | $878,657,000 | 804 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8092% | 677 |
| Cost of funding earning assets | 2.0989% | 595 |
| Net interest margin | 3.7103% | 1,756 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5911% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9121% | 2,637 |
| Return on assets (ROA) | 0.9121% | 2,622 |
| Pretax return on assets | 1.2139% | 2,263 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.1280% | 2,243 |
| Net charge-offs to loans | 0.0195% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 75.5512% | 1,079 |
| Efficiency ratio | 68.0931% | 2,002 |
| Assets per employee ($millions) | 9.4348% | 800 |
| Cash dividends to net income (ytd only)* | 27.7431% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,192 |
| Loan loss allowance to noncurrent loans | 27,607.3171% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,813 |
| Noncurrent loans to loans | 0.0045% | 3,782 |
| Net loans and leases to total assets | 84.1700% | 264 |
| Net loans and leases to deposits | 94.0882% | 888 |
| Net loans and leases to core deposits | 137.8326% | 247 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 9.1525% | 2,323 |
| Core capital (leverage) ratio | 9.4711% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,053,856,250 | 936 |
| Average earning assets | $995,362,750 | 910 |
| Average equity | $97,435,250 | 960 |
| Average total loans | $867,788,500 | 813 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5610% | 766 |
| Cost of funding earning assets | 1.9730% | 521 |
| Net interest margin | 3.5880% | 2,065 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5834% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9264% | 2,665 |
| Return on assets (ROA) | 0.9264% | 2,651 |
| Pretax return on assets | 1.2345% | 2,273 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.9258% | 1,986 |
| Net charge-offs to loans | 0.0303% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 50.0775% | 1,284 |
| Efficiency ratio | 67.6660% | 2,021 |
| Assets per employee ($millions) | 9.1923% | 855 |
| Cash dividends to net income (ytd only)* | 20.6271% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,105 |
| Loan loss allowance to noncurrent loans | 6,322.3464% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,646 |
| Noncurrent loans to loans | 0.0200% | 3,616 |
| Net loans and leases to total assets | 83.6000% | 299 |
| Net loans and leases to deposits | 93.3649% | 919 |
| Net loans and leases to core deposits | 133.0916% | 284 |
| Total domestic deposits to total assets | 89.5400% | 1,072 |
| Equity capital to assets | 9.1944% | 2,380 |
| Core capital (leverage) ratio | 9.2362% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,046,619,667 | 931 |
| Average earning assets | $986,733,333 | 907 |
| Average equity | $97,100,000 | 959 |
| Average total loans | $851,525,000 | 812 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 736 |
| Cost of funding earning assets | 1.7168% | 550 |
| Net interest margin | 3.6731% | 1,958 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5501% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8516% | 3,016 |
| Return on assets (ROA) | 0.8516% | 2,967 |
| Pretax return on assets | 1.1385% | 2,601 |
| Return on Equity (ROE) | 9.1400% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.1373% | 1,903 |
| Net charge-offs to loans | 0.0053% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 269.4545% | 402 |
| Efficiency ratio | 69.1346% | 1,842 |
| Assets per employee ($millions) | 8.8769% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,818 |
| Loan loss allowance to noncurrent loans | 3,403.2738% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,067 |
| Noncurrent loans to loans | 0.0397% | 3,458 |
| Net loans and leases to total assets | 79.7400% | 566 |
| Net loans and leases to deposits | 89.8929% | 1,055 |
| Net loans and leases to core deposits | 128.5331% | 292 |
| Total domestic deposits to total assets | 88.7100% | 1,654 |
| Equity capital to assets | 9.1381% | 2,415 |
| Core capital (leverage) ratio | 9.1646% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,041,371,500 | 951 |
| Average earning assets | $979,017,000 | 931 |
| Average equity | $97,052,500 | 969 |
| Average total loans | $829,777,000 | 841 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 566 |
| Cost of funding earning assets | 0.8055% | 376 |
| Net interest margin | 3.8407% | 1,083 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.9385% | 1,068 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9236% | 2,871 |
| Return on assets (ROA) | 0.9236% | 2,814 |
| Pretax return on assets | 1.1207% | 2,706 |
| Return on Equity (ROE) | 9.9100% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.0054% | 1,479 |
| Net charge-offs to loans | 0.5708% | 126 |
| Credit loss provision to net charge-offs | 31.6594% | 1,888 |
| Earnings coverage of net charge-offs (x) | 2.7131% | 2,494 |
| Efficiency ratio | 69.8362% | 1,707 |
| Assets per employee ($millions) | 7.9636% | 1,339 |
| Cash dividends to net income (ytd only)* | 9.1201% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 4,048 |
| Loan loss allowance to noncurrent loans | 562.9694% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,208 |
| Noncurrent loans to loans | 0.1409% | 2,805 |
| Net loans and leases to total assets | 77.8900% | 805 |
| Net loans and leases to deposits | 88.3795% | 1,148 |
| Net loans and leases to core deposits | 122.6880% | 324 |
| Total domestic deposits to total assets | 88.1300% | 2,026 |
| Equity capital to assets | 9.5034% | 2,009 |
| Core capital (leverage) ratio | 9.5873% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $979,388,600 | 998 |
| Average earning assets | $918,689,400 | 979 |
| Average equity | $91,289,600 | 1,021 |
| Average total loans | $802,321,800 | 820 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 560 |
| Cost of funding earning assets | 0.6382% | 354 |
| Net interest margin | 3.7809% | 976 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.8850% | 1,085 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.8869% | 2,934 |
| Return on assets (ROA) | 0.8869% | 2,901 |
| Pretax return on assets | 1.1432% | 2,583 |
| Return on Equity (ROE) | 9.5700% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.3365% | 1,872 |
| Net charge-offs to loans | 0.7426% | 72 |
| Credit loss provision to net charge-offs | 32.5550% | 1,596 |
| Earnings coverage of net charge-offs (x) | 2.1841% | 2,252 |
| Efficiency ratio | 68.2213% | 1,986 |
| Assets per employee ($millions) | 7.7219% | 1,468 |
| Cash dividends to net income (ytd only)* | 12.8465% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,077 |
| Loan loss allowance to noncurrent loans | 469.4286% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,539 |
| Noncurrent loans to loans | 0.1719% | 2,734 |
| Net loans and leases to total assets | 78.6600% | 644 |
| Net loans and leases to deposits | 89.0503% | 962 |
| Net loans and leases to core deposits | 125.6315% | 183 |
| Total domestic deposits to total assets | 88.3300% | 2,323 |
| Equity capital to assets | 9.3230% | 2,002 |
| Core capital (leverage) ratio | 9.3238% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $965,419,250 | 1,019 |
| Average earning assets | $905,433,250 | 996 |
| Average equity | $89,515,750 | 1,052 |
| Average total loans | $799,696,000 | 820 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 541 |
| Cost of funding earning assets | 0.5395% | 422 |
| Net interest margin | 3.7395% | 855 |
| Noninterest income to average assets | 0.7639% | 1,142 |
| Noninterest expense to average assets | 2.8204% | 1,137 |
| Loan and lease loss provision to assets | 0.3069% | 213 |
| Net operating income to assets | 0.8934% | 2,608 |
| Return on assets (ROA) | 0.8934% | 2,583 |
| Pretax return on assets | 1.1532% | 2,231 |
| Return on Equity (ROE) | 9.6548% | 2,469 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,705 |
| Net charge-offs to loans | 1.1218% | 54 |
| Credit loss provision to net charge-offs | 32.5258% | 1,561 |
| Earnings coverage of net charge-offs (x) | 1.5473% | 2,067 |
| Efficiency ratio | 65.8854% | 2,529 |
| Assets per employee ($millions) | 7.0052% | 1,934 |
| Cash dividends to net income (ytd only)* | 19.5451% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,111 |
| Loan loss allowance to noncurrent loans | 365.0917% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 2,374 |
| Noncurrent loans to loans | 0.2292% | 2,575 |
| Net loans and leases to total assets | 82.2965% | 272 |
| Net loans and leases to deposits | 92.7916% | 567 |
| Net loans and leases to core deposits | 135.2486% | 94 |
| Total domestic deposits to total assets | 88.6896% | 2,300 |
| Equity capital to assets | 9.3963% | 2,101 |
| Core capital (leverage) ratio | 9.1339% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $944,887,000 | 1,040 |
| Average earning assets | $888,562,000 | 1,023 |
| Average equity | $87,438,000 | 1,079 |
| Average total loans | $794,783,000 | 812 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 573 |
| Cost of funding earning assets | 0.5299% | 423 |
| Net interest margin | 3.6233% | 864 |
| Noninterest income to average assets | 1.0889% | 570 |
| Noninterest expense to average assets | 3.0124% | 802 |
| Loan and lease loss provision to assets | 0.3812% | 146 |
| Net operating income to assets | 0.8479% | 2,492 |
| Return on assets (ROA) | 0.8479% | 2,484 |
| Pretax return on assets | 1.0977% | 2,152 |
| Return on Equity (ROE) | 9.2336% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.2336% | 1,209 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0627% | 2,623 |
| Assets per employee ($millions) | 7.0243% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,393 |
| Loan loss allowance to noncurrent loans | 384.9008% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,950 |
| Noncurrent loans to loans | 0.3363% | 2,280 |
| Net loans and leases to total assets | 84.8847% | 70 |
| Net loans and leases to deposits | 95.6469% | 289 |
| Net loans and leases to core deposits | 135.3472% | 74 |
| Total domestic deposits to total assets | 88.7481% | 2,190 |
| Equity capital to assets | 9.3151% | 2,429 |
| Core capital (leverage) ratio | 9.1719% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $944,482,000 | 1,044 |
| Average earning assets | $886,923,000 | 1,026 |
| Average equity | $86,726,500 | 1,119 |
| Average total loans | $799,752,500 | 801 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 674 |
| Cost of funding earning assets | 0.6880% | 344 |
| Net interest margin | 3.7450% | 1,109 |
| Noninterest income to average assets | 0.9310% | 1,136 |
| Noninterest expense to average assets | 3.1199% | 820 |
| Loan and lease loss provision to assets | 0.0488% | 2,081 |
| Net operating income to assets | 0.9413% | 2,900 |
| Return on assets (ROA) | 0.9464% | 2,954 |
| Pretax return on assets | 1.2673% | 2,464 |
| Return on Equity (ROE) | 10.6404% | 2,295 |
| Retained earnings to average equity (ytd only) | 8.8130% | 1,252 |
| Net charge-offs to loans | 0.0594% | 1,194 |
| Credit loss provision to net charge-offs | 97.8261% | 1,833 |
| Earnings coverage of net charge-offs (x) | 26.2717% | 1,699 |
| Efficiency ratio | 70.4284% | 1,691 |
| Assets per employee ($millions) | 7.4039% | 1,668 |
| Cash dividends to net income (ytd only)* | 17.1743% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,824 |
| Loan loss allowance to noncurrent loans | 331.1203% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,879 |
| Noncurrent loans to loans | 0.3661% | 2,273 |
| Net loans and leases to total assets | 82.3533% | 164 |
| Net loans and leases to deposits | 93.2574% | 408 |
| Net loans and leases to core deposits | 131.7906% | 96 |
| Total domestic deposits to total assets | 88.3075% | 1,869 |
| Equity capital to assets | 9.0507% | 3,570 |
| Core capital (leverage) ratio | 9.2165% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $922,842,800 | 1,024 |
| Average earning assets | $862,087,000 | 1,020 |
| Average equity | $82,083,200 | 1,176 |
| Average total loans | $774,798,400 | 815 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 679 |
| Cost of funding earning assets | 0.7258% | 338 |
| Net interest margin | 3.7740% | 1,170 |
| Noninterest income to average assets | 1.0160% | 1,045 |
| Noninterest expense to average assets | 3.1627% | 758 |
| Loan and lease loss provision to assets | 0.0509% | 1,976 |
| Net operating income to assets | 0.9792% | 2,989 |
| Return on assets (ROA) | 0.9861% | 3,042 |
| Pretax return on assets | 1.3397% | 2,515 |
| Return on Equity (ROE) | 11.1365% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.9044% | 1,354 |
| Net charge-offs to loans | 0.0341% | 1,393 |
| Credit loss provision to net charge-offs | 177.6650% | 1,263 |
| Earnings coverage of net charge-offs (x) | 48.2234% | 1,263 |
| Efficiency ratio | 69.5868% | 1,644 |
| Assets per employee ($millions) | 7.1860% | 1,745 |
| Cash dividends to net income (ytd only)* | 11.0636% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,511 |
| Loan loss allowance to noncurrent loans | 375.6267% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 2,224 |
| Noncurrent loans to loans | 0.3448% | 2,544 |
| Net loans and leases to total assets | 80.6911% | 259 |
| Net loans and leases to deposits | 91.6172% | 514 |
| Net loans and leases to core deposits | 129.0709% | 128 |
| Total domestic deposits to total assets | 88.0742% | 1,797 |
| Equity capital to assets | 9.1966% | 3,657 |
| Core capital (leverage) ratio | 9.0339% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $916,627,750 | 1,042 |
| Average earning assets | $857,004,250 | 1,034 |
| Average equity | $81,160,500 | 1,212 |
| Average total loans | $770,987,750 | 835 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 610 |
| Cost of funding earning assets | 0.7636% | 343 |
| Net interest margin | 3.8498% | 1,067 |
| Noninterest income to average assets | 0.9878% | 1,093 |
| Noninterest expense to average assets | 3.1655% | 761 |
| Loan and lease loss provision to assets | 0.0218% | 2,539 |
| Net operating income to assets | 1.0281% | 2,797 |
| Return on assets (ROA) | 1.0385% | 2,841 |
| Pretax return on assets | 1.4138% | 2,289 |
| Return on Equity (ROE) | 11.8825% | 2,112 |
| Retained earnings to average equity (ytd only) | 11.8825% | 947 |
| Net charge-offs to loans | 0.0605% | 1,008 |
| Credit loss provision to net charge-offs | 42.5532% | 1,647 |
| Earnings coverage of net charge-offs (x) | 27.7106% | 1,355 |
| Efficiency ratio | 68.9901% | 1,762 |
| Assets per employee ($millions) | 7.0693% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,804 |
| Loan loss allowance to noncurrent loans | 356.5447% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 2,359 |
| Noncurrent loans to loans | 0.3431% | 2,678 |
| Net loans and leases to total assets | 81.7858% | 230 |
| Net loans and leases to deposits | 92.5703% | 515 |
| Net loans and leases to core deposits | 138.9093% | 88 |
| Total domestic deposits to total assets | 88.3499% | 1,645 |
| Equity capital to assets | 8.9262% | 3,864 |
| Core capital (leverage) ratio | 8.9621% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $915,569,333 | 1,034 |
| Average earning assets | $856,210,333 | 1,029 |
| Average equity | $80,017,000 | 1,219 |
| Average total loans | $777,337,333 | 833 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 1,337 |
| Cost of funding earning assets | 0.8286% | 308 |
| Net interest margin | 3.2931% | 2,413 |
| Noninterest income to average assets | 1.8143% | 437 |
| Noninterest expense to average assets | 3.2145% | 702 |
| Loan and lease loss provision to assets | 0.0441% | 2,189 |
| Net operating income to assets | 1.2003% | 2,144 |
| Return on assets (ROA) | 1.2003% | 2,222 |
| Pretax return on assets | 1.6397% | 1,623 |
| Return on Equity (ROE) | 13.8865% | 1,455 |
| Retained earnings to average equity (ytd only) | 13.8865% | 768 |
| Net charge-offs to loans | 0.1165% | 606 |
| Credit loss provision to net charge-offs | 44.0529% | 1,338 |
| Earnings coverage of net charge-offs (x) | 16.8150% | 1,309 |
| Efficiency ratio | 65.6160% | 2,284 |
| Assets per employee ($millions) | 6.9480% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,951 |
| Loan loss allowance to noncurrent loans | 310.7424% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 2,326 |
| Noncurrent loans to loans | 0.3852% | 2,716 |
| Net loans and leases to total assets | 84.4969% | 130 |
| Net loans and leases to deposits | 95.3580% | 429 |
| Net loans and leases to core deposits | 136.4267% | 104 |
| Total domestic deposits to total assets | 88.6102% | 1,552 |
| Equity capital to assets | 8.7910% | 3,884 |
| Core capital (leverage) ratio | 8.6298% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,778,000 | 1,030 |
| Average earning assets | $849,180,000 | 1,023 |
| Average equity | $78,378,000 | 1,232 |
| Average total loans | $779,687,000 | 827 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,119 |
| Cost of funding earning assets | 1.2773% | 195 |
| Net interest margin | 3.3088% | 3,049 |
| Noninterest income to average assets | 1.5704% | 497 |
| Noninterest expense to average assets | 3.3017% | 905 |
| Loan and lease loss provision to assets | 0.6331% | 295 |
| Net operating income to assets | 0.6281% | 3,657 |
| Return on assets (ROA) | 0.6281% | 3,783 |
| Pretax return on assets | 0.7308% | 3,815 |
| Return on Equity (ROE) | 7.3685% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.3685% | 1,250 |
| Net charge-offs to loans | 0.2415% | 720 |
| Credit loss provision to net charge-offs | 303.8991% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.5470% | 2,772 |
| Efficiency ratio | 70.7596% | 1,843 |
| Assets per employee ($millions) | 6.9490% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,756 |
| Loan loss allowance to noncurrent loans | 285.1576% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,285 |
| Noncurrent loans to loans | 0.4343% | 2,672 |
| Net loans and leases to total assets | 85.9505% | 98 |
| Net loans and leases to deposits | 96.7805% | 511 |
| Net loans and leases to core deposits | 146.4941% | 99 |
| Total domestic deposits to total assets | 88.8097% | 1,067 |
| Equity capital to assets | 8.4904% | 4,446 |
| Core capital (leverage) ratio | 8.5190% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $837,171,600 | 1,018 |
| Average earning assets | $783,122,000 | 1,006 |
| Average equity | $71,357,600 | 1,276 |
| Average total loans | $722,151,200 | 855 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 1,249 |
| Cost of funding earning assets | 1.3692% | 183 |
| Net interest margin | 3.2524% | 3,325 |
| Noninterest income to average assets | 1.7201% | 397 |
| Noninterest expense to average assets | 3.2261% | 1,027 |
| Loan and lease loss provision to assets | 0.7483% | 263 |
| Net operating income to assets | 0.5998% | 3,768 |
| Return on assets (ROA) | 0.5998% | 3,868 |
| Pretax return on assets | 0.7929% | 3,664 |
| Return on Equity (ROE) | 7.0289% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.0289% | 1,675 |
| Net charge-offs to loans | 0.2410% | 635 |
| Credit loss provision to net charge-offs | 360.7644% | 1,574 |
| Earnings coverage of net charge-offs (x) | 7.4306% | 2,576 |
| Efficiency ratio | 67.6644% | 2,230 |
| Assets per employee ($millions) | 7.2213% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,899 |
| Loan loss allowance to noncurrent loans | 210.4401% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,177 |
| Noncurrent loans to loans | 0.5501% | 2,420 |
| Net loans and leases to total assets | 87.2674% | 100 |
| Net loans and leases to deposits | 106.5638% | 310 |
| Net loans and leases to core deposits | 157.7228% | 90 |
| Total domestic deposits to total assets | 81.8922% | 3,450 |
| Equity capital to assets | 7.9019% | 4,745 |
| Core capital (leverage) ratio | 8.5116% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $824,095,250 | 1,021 |
| Average earning assets | $772,088,500 | 1,008 |
| Average equity | $70,317,000 | 1,278 |
| Average total loans | $709,164,750 | 860 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,236 |
| Cost of funding earning assets | 1.5209% | 155 |
| Net interest margin | 3.2509% | 3,521 |
| Noninterest income to average assets | 1.8303% | 329 |
| Noninterest expense to average assets | 3.3151% | 968 |
| Loan and lease loss provision to assets | 0.9268% | 239 |
| Net operating income to assets | 0.4968% | 4,031 |
| Return on assets (ROA) | 0.4968% | 4,104 |
| Pretax return on assets | 0.6340% | 3,995 |
| Return on Equity (ROE) | 5.6609% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.6609% | 2,207 |
| Net charge-offs to loans | 0.1258% | 1,090 |
| Credit loss provision to net charge-offs | 864.7059% | 869 |
| Earnings coverage of net charge-offs (x) | 14.5624% | 1,942 |
| Efficiency ratio | 67.9855% | 2,234 |
| Assets per employee ($millions) | 7.1683% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,540 |
| Loan loss allowance to noncurrent loans | 212.0174% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,261 |
| Noncurrent loans to loans | 0.5639% | 2,471 |
| Net loans and leases to total assets | 86.9750% | 96 |
| Net loans and leases to deposits | 105.9444% | 317 |
| Net loans and leases to core deposits | 151.9537% | 98 |
| Total domestic deposits to total assets | 82.0949% | 3,347 |
| Equity capital to assets | 8.0222% | 4,705 |
| Core capital (leverage) ratio | 8.6656% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $793,090,000 | 1,034 |
| Average earning assets | $742,984,333 | 1,024 |
| Average equity | $69,599,667 | 1,275 |
| Average total loans | $675,649,000 | 875 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 691 |
| Cost of funding earning assets | 1.7775% | 95 |
| Net interest margin | 3.3984% | 3,302 |
| Noninterest income to average assets | 0.8910% | 1,086 |
| Noninterest expense to average assets | 3.2089% | 1,406 |
| Loan and lease loss provision to assets | 0.4674% | 631 |
| Net operating income to assets | 0.3018% | 4,340 |
| Return on assets (ROA) | 0.3018% | 4,361 |
| Pretax return on assets | 0.3809% | 4,329 |
| Return on Equity (ROE) | 3.2738% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.2738% | 2,971 |
| Net charge-offs to loans | 0.1746% | 764 |
| Credit loss provision to net charge-offs | 320.5128% | 1,128 |
| Earnings coverage of net charge-offs (x) | 5.8168% | 2,023 |
| Efficiency ratio | 79.0783% | 1,229 |
| Assets per employee ($millions) | 6.0293% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,439 |
| Loan loss allowance to noncurrent loans | 164.4433% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,281 |
| Noncurrent loans to loans | 0.6400% | 2,390 |
| Net loans and leases to total assets | 83.4014% | 310 |
| Net loans and leases to deposits | 93.5152% | 1,121 |
| Net loans and leases to core deposits | 140.5729% | 163 |
| Total domestic deposits to total assets | 89.1848% | 591 |
| Equity capital to assets | 9.2719% | 4,414 |
| Core capital (leverage) ratio | 9.2847% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $748,782,500 | 1,047 |
| Average earning assets | $697,613,000 | 1,035 |
| Average equity | $69,033,500 | 1,275 |
| Average total loans | $625,402,000 | 907 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 600 |
| Cost of funding earning assets | 1.8397% | 121 |
| Net interest margin | 3.6250% | 3,060 |
| Noninterest income to average assets | 0.9338% | 1,109 |
| Noninterest expense to average assets | 3.2362% | 1,433 |
| Loan and lease loss provision to assets | 0.2859% | 604 |
| Net operating income to assets | 0.6384% | 4,046 |
| Return on assets (ROA) | 0.6384% | 4,113 |
| Pretax return on assets | 0.8101% | 3,957 |
| Return on Equity (ROE) | 7.0920% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.0920% | 1,357 |
| Net charge-offs to loans | 0.2226% | 916 |
| Credit loss provision to net charge-offs | 155.3159% | 1,652 |
| Earnings coverage of net charge-offs (x) | 5.9545% | 3,026 |
| Efficiency ratio | 74.6907% | 1,526 |
| Assets per employee ($millions) | 6.1470% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,641 |
| Loan loss allowance to noncurrent loans | 138.0179% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 2,051 |
| Noncurrent loans to loans | 0.7040% | 2,117 |
| Net loans and leases to total assets | 81.9548% | 564 |
| Net loans and leases to deposits | 92.5929% | 1,299 |
| Net loans and leases to core deposits | 135.0680% | 222 |
| Total domestic deposits to total assets | 88.5109% | 879 |
| Equity capital to assets | 9.1671% | 4,597 |
| Core capital (leverage) ratio | 9.1815% | 4,374 |
| Tier 1 risk-based capital ratio | 10.1744% | 5,098 |
| Total risk-based capital ratio | 11.0777% | 5,109 |
| Memoranda: | ||
| Average total assets | $705,179,600 | 1,062 |
| Average earning assets | $661,095,800 | 1,047 |
| Average equity | $63,479,600 | 1,325 |
| Average total loans | $583,223,800 | 931 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 600 |
| Cost of funding earning assets | 1.8290% | 125 |
| Net interest margin | 3.6549% | 3,073 |
| Noninterest income to average assets | 0.8511% | 1,270 |
| Noninterest expense to average assets | 3.1535% | 1,571 |
| Loan and lease loss provision to assets | 0.3374% | 405 |
| Net operating income to assets | 0.6096% | 4,273 |
| Return on assets (ROA) | 0.6096% | 4,322 |
| Pretax return on assets | 0.7902% | 4,144 |
| Return on Equity (ROE) | 6.8056% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.8056% | 1,948 |
| Net charge-offs to loans | 0.2514% | 700 |
| Credit loss provision to net charge-offs | 162.2921% | 1,540 |
| Earnings coverage of net charge-offs (x) | 5.4242% | 2,924 |
| Efficiency ratio | 73.6526% | 1,620 |
| Assets per employee ($millions) | 6.0636% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,570 |
| Loan loss allowance to noncurrent loans | 123.4275% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,891 |
| Noncurrent loans to loans | 0.8103% | 1,944 |
| Net loans and leases to total assets | 80.0868% | 834 |
| Net loans and leases to deposits | 89.5888% | 1,748 |
| Net loans and leases to core deposits | 130.3338% | 289 |
| Total domestic deposits to total assets | 89.3938% | 480 |
| Equity capital to assets | 8.9784% | 4,789 |
| Core capital (leverage) ratio | 9.0301% | 4,616 |
| Tier 1 risk-based capital ratio | 10.3907% | 5,110 |
| Total risk-based capital ratio | 11.3383% | 5,112 |
| Memoranda: | ||
| Average total assets | $693,992,000 | 1,077 |
| Average earning assets | $651,274,500 | 1,061 |
| Average equity | $62,162,750 | 1,348 |
| Average total loans | $573,871,250 | 947 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 592 |
| Cost of funding earning assets | 1.7914% | 134 |
| Net interest margin | 3.6827% | 2,984 |
| Noninterest income to average assets | 0.8557% | 1,191 |
| Noninterest expense to average assets | 3.1980% | 1,510 |
| Loan and lease loss provision to assets | 0.3330% | 392 |
| Net operating income to assets | 0.5908% | 4,330 |
| Return on assets (ROA) | 0.5908% | 4,370 |
| Pretax return on assets | 0.7741% | 4,151 |
| Return on Equity (ROE) | 6.6014% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.6014% | 2,006 |
| Net charge-offs to loans | 0.2468% | 685 |
| Credit loss provision to net charge-offs | 161.8911% | 1,412 |
| Earnings coverage of net charge-offs (x) | 5.3825% | 2,662 |
| Efficiency ratio | 74.2779% | 1,611 |
| Assets per employee ($millions) | 5.9081% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,728 |
| Loan loss allowance to noncurrent loans | 187.4062% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 2,363 |
| Noncurrent loans to loans | 0.5242% | 2,706 |
| Net loans and leases to total assets | 81.6536% | 658 |
| Net loans and leases to deposits | 91.3125% | 1,585 |
| Net loans and leases to core deposits | 136.7673% | 227 |
| Total domestic deposits to total assets | 89.4222% | 499 |
| Equity capital to assets | 8.9209% | 4,840 |
| Core capital (leverage) ratio | 9.0248% | 4,610 |
| Tier 1 risk-based capital ratio | 10.3781% | 5,145 |
| Total risk-based capital ratio | 11.3328% | 5,156 |
| Memoranda: | ||
| Average total assets | $678,737,000 | 1,096 |
| Average earning assets | $635,720,670 | 1,087 |
| Average equity | $60,744,330 | 1,366 |
| Average total loans | $565,684,000 | 954 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 612 |
| Cost of funding earning assets | 1.6714% | 173 |
| Net interest margin | 3.7437% | 2,732 |
| Noninterest income to average assets | 0.9180% | 1,001 |
| Noninterest expense to average assets | 3.2898% | 1,305 |
| Loan and lease loss provision to assets | 0.3466% | 346 |
| Net operating income to assets | 0.6040% | 4,229 |
| Return on assets (ROA) | 0.6040% | 4,268 |
| Pretax return on assets | 0.7836% | 4,083 |
| Return on Equity (ROE) | 6.7369% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.7369% | 2,141 |
| Net charge-offs to loans | 0.2222% | 636 |
| Credit loss provision to net charge-offs | 186.0841% | 1,098 |
| Earnings coverage of net charge-offs (x) | 6.0680% | 2,220 |
| Efficiency ratio | 74.4307% | 1,692 |
| Assets per employee ($millions) | 5.7157% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,734 |
| Loan loss allowance to noncurrent loans | 144.9324% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 2,268 |
| Noncurrent loans to loans | 0.6873% | 2,301 |
| Net loans and leases to total assets | 80.8149% | 733 |
| Net loans and leases to deposits | 90.3372% | 1,585 |
| Net loans and leases to core deposits | 132.5112% | 277 |
| Total domestic deposits to total assets | 89.4591% | 661 |
| Equity capital to assets | 8.8564% | 4,776 |
| Core capital (leverage) ratio | 9.1237% | 4,550 |
| Tier 1 risk-based capital ratio | 10.2730% | 5,230 |
| Total risk-based capital ratio | 11.2282% | 5,241 |
| Memoranda: | ||
| Average total assets | $663,618,500 | 1,127 |
| Average earning assets | $620,778,500 | 1,116 |
| Average equity | $59,493,000 | 1,385 |
| Average total loans | $556,202,500 | 969 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 676 |
| Cost of funding earning assets | 1.3646% | 162 |
| Net interest margin | 3.8552% | 2,481 |
| Noninterest income to average assets | 0.8966% | 1,182 |
| Noninterest expense to average assets | 3.5644% | 912 |
| Loan and lease loss provision to assets | 0.2389% | 741 |
| Net operating income to assets | 0.5855% | 4,461 |
| Return on assets (ROA) | 0.5855% | 4,466 |
| Pretax return on assets | 0.6778% | 4,468 |
| Return on Equity (ROE) | 6.7123% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.7123% | 1,812 |
| Net charge-offs to loans | 0.1854% | 1,034 |
| Credit loss provision to net charge-offs | 152.4262% | 1,805 |
| Earnings coverage of net charge-offs (x) | 5.8481% | 3,146 |
| Efficiency ratio | 79.5306% | 998 |
| Assets per employee ($millions) | 5.4817% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,908 |
| Loan loss allowance to noncurrent loans | 121.3894% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,770 |
| Noncurrent loans to loans | 0.7920% | 2,025 |
| Net loans and leases to total assets | 85.3227% | 283 |
| Net loans and leases to deposits | 95.8542% | 1,083 |
| Net loans and leases to core deposits | 138.1060% | 216 |
| Total domestic deposits to total assets | 89.0130% | 848 |
| Equity capital to assets | 9.0811% | 4,509 |
| Core capital (leverage) ratio | 9.1197% | 4,542 |
| Tier 1 risk-based capital ratio | 9.9953% | 5,306 |
| Total risk-based capital ratio | 10.9193% | 5,329 |
| Memoranda: | ||
| Average total assets | $604,738,000 | 1,192 |
| Average earning assets | $562,281,800 | 1,201 |
| Average equity | $52,753,800 | 1,446 |
| Average total loans | $511,441,400 | 1,026 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 797 |
| Cost of funding earning assets | 1.2982% | 161 |
| Net interest margin | 3.7798% | 2,715 |
| Noninterest income to average assets | 0.9111% | 1,166 |
| Noninterest expense to average assets | 3.5077% | 975 |
| Loan and lease loss provision to assets | 0.1556% | 1,256 |
| Net operating income to assets | 0.5641% | 4,606 |
| Return on assets (ROA) | 0.5641% | 4,611 |
| Pretax return on assets | 0.7582% | 4,406 |
| Return on Equity (ROE) | 6.5391% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.5391% | 2,367 |
| Net charge-offs to loans | 0.0907% | 1,596 |
| Credit loss provision to net charge-offs | 203.8123% | 1,361 |
| Earnings coverage of net charge-offs (x) | 11.9705% | 2,481 |
| Efficiency ratio | 79.3226% | 1,011 |
| Assets per employee ($millions) | 5.2428% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,777 |
| Loan loss allowance to noncurrent loans | 133.5572% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 2,185 |
| Noncurrent loans to loans | 0.7477% | 2,220 |
| Net loans and leases to total assets | 82.1474% | 689 |
| Net loans and leases to deposits | 92.7611% | 1,524 |
| Net loans and leases to core deposits | 132.9414% | 284 |
| Total domestic deposits to total assets | 88.5581% | 1,021 |
| Equity capital to assets | 8.9311% | 4,608 |
| Core capital (leverage) ratio | 9.0407% | 4,669 |
| Tier 1 risk-based capital ratio | 10.1313% | 5,355 |
| Total risk-based capital ratio | 11.0846% | 5,369 |
| Memoranda: | ||
| Average total assets | $595,583,250 | 1,209 |
| Average earning assets | $553,144,000 | 1,213 |
| Average equity | $51,381,750 | 1,476 |
| Average total loans | $501,168,000 | 1,044 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 838 |
| Cost of funding earning assets | 1.2386% | 157 |
| Net interest margin | 3.7559% | 2,727 |
| Noninterest income to average assets | 0.9353% | 1,088 |
| Noninterest expense to average assets | 3.5408% | 945 |
| Loan and lease loss provision to assets | 0.1553% | 1,215 |
| Net operating income to assets | 0.5466% | 4,634 |
| Return on assets (ROA) | 0.5466% | 4,638 |
| Pretax return on assets | 0.7200% | 4,458 |
| Return on Equity (ROE) | 6.4163% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.4163% | 2,354 |
| Net charge-offs to loans | 0.0024% | 3,115 |
| Credit loss provision to net charge-offs | 7,583.3333% | 57 |
| Earnings coverage of net charge-offs (x) | 427.5000% | 215 |
| Efficiency ratio | 80.1731% | 1,004 |
| Assets per employee ($millions) | 5.1498% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,709 |
| Loan loss allowance to noncurrent loans | 181.9910% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 2,644 |
| Noncurrent loans to loans | 0.5612% | 2,736 |
| Net loans and leases to total assets | 83.9620% | 463 |
| Net loans and leases to deposits | 95.8053% | 1,165 |
| Net loans and leases to core deposits | 135.9718% | 239 |
| Total domestic deposits to total assets | 87.6381% | 1,570 |
| Equity capital to assets | 9.0185% | 4,545 |
| Core capital (leverage) ratio | 9.0691% | 4,621 |
| Tier 1 risk-based capital ratio | 10.0600% | 5,418 |
| Total risk-based capital ratio | 11.0399% | 5,427 |
| Memoranda: | ||
| Average total assets | $586,144,670 | 1,234 |
| Average earning assets | $543,201,000 | 1,234 |
| Average equity | $49,935,330 | 1,527 |
| Average total loans | $495,661,670 | 1,059 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 779 |
| Cost of funding earning assets | 1.1651% | 164 |
| Net interest margin | 3.7842% | 2,486 |
| Noninterest income to average assets | 0.8189% | 1,393 |
| Noninterest expense to average assets | 3.6199% | 850 |
| Loan and lease loss provision to assets | 0.1634% | 1,100 |
| Net operating income to assets | 0.4178% | 4,893 |
| Return on assets (ROA) | 0.4178% | 4,897 |
| Pretax return on assets | 0.5311% | 4,825 |
| Return on Equity (ROE) | 5.0609% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.0609% | 3,145 |
| Net charge-offs to loans | -0.0066% | 4,102 |
| Credit loss provision to net charge-offs | -2,937.5000% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8866% | 805 |
| Assets per employee ($millions) | 4.8819% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,823 |
| Loan loss allowance to noncurrent loans | 173.2534% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,857 |
| Noncurrent loans to loans | 0.5910% | 2,766 |
| Net loans and leases to total assets | 83.4787% | 493 |
| Net loans and leases to deposits | 95.5600% | 1,078 |
| Net loans and leases to core deposits | 135.1514% | 270 |
| Total domestic deposits to total assets | 87.3573% | 1,980 |
| Equity capital to assets | 8.3305% | 5,092 |
| Core capital (leverage) ratio | 8.3590% | 5,223 |
| Tier 1 risk-based capital ratio | 9.4008% | 5,565 |
| Total risk-based capital ratio | 10.3910% | 5,573 |
| Memoranda: | ||
| Average total assets | $575,380,000 | 1,259 |
| Average earning assets | $531,469,500 | 1,262 |
| Average equity | $47,501,500 | 1,596 |
| Average total loans | $485,752,500 | 1,085 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 870 |
| Cost of funding earning assets | 1.0248% | 187 |
| Net interest margin | 3.8360% | 2,304 |
| Noninterest income to average assets | 1.3727% | 556 |
| Noninterest expense to average assets | 3.9560% | 568 |
| Loan and lease loss provision to assets | 0.3215% | 524 |
| Net operating income to assets | 0.5045% | 4,363 |
| Return on assets (ROA) | 0.5045% | 4,397 |
| Pretax return on assets | 0.6292% | 4,678 |
| Return on Equity (ROE) | 6.1735% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.1735% | 1,452 |
| Net charge-offs to loans | 0.3433% | 741 |
| Credit loss provision to net charge-offs | 111.8069% | 2,328 |
| Earnings coverage of net charge-offs (x) | 3.3066% | 3,628 |
| Efficiency ratio | 80.6207% | 1,051 |
| Assets per employee ($millions) | 4.6698% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,882 |
| Loan loss allowance to noncurrent loans | 172.8023% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,913 |
| Noncurrent loans to loans | 0.5838% | 2,757 |
| Net loans and leases to total assets | 83.6379% | 486 |
| Net loans and leases to deposits | 96.4483% | 1,043 |
| Net loans and leases to core deposits | 139.5343% | 217 |
| Total domestic deposits to total assets | 86.7178% | 2,137 |
| Equity capital to assets | 8.2077% | 5,295 |
| Core capital (leverage) ratio | 8.1437% | 5,381 |
| Tier 1 risk-based capital ratio | 9.2954% | 5,619 |
| Total risk-based capital ratio | 10.2747% | 5,624 |
| Memoranda: | ||
| Average total assets | $533,196,400 | 1,325 |
| Average earning assets | $491,215,600 | 1,325 |
| Average equity | $43,573,600 | 1,704 |
| Average total loans | $446,524,000 | 1,135 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 916 |
| Cost of funding earning assets | 0.9864% | 209 |
| Net interest margin | 3.8190% | 2,324 |
| Noninterest income to average assets | 1.3743% | 559 |
| Noninterest expense to average assets | 3.8247% | 654 |
| Loan and lease loss provision to assets | 0.2269% | 809 |
| Net operating income to assets | 0.5346% | 4,637 |
| Return on assets (ROA) | 0.5346% | 4,669 |
| Pretax return on assets | 0.8423% | 4,233 |
| Return on Equity (ROE) | 6.5495% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.5495% | 1,940 |
| Net charge-offs to loans | 0.2355% | 911 |
| Credit loss provision to net charge-offs | 115.3548% | 2,075 |
| Earnings coverage of net charge-offs (x) | 5.4348% | 3,111 |
| Efficiency ratio | 78.1524% | 1,316 |
| Assets per employee ($millions) | 4.6584% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,944 |
| Loan loss allowance to noncurrent loans | 112.9040% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 2,244 |
| Noncurrent loans to loans | 0.9048% | 2,120 |
| Net loans and leases to total assets | 82.3480% | 627 |
| Net loans and leases to deposits | 92.8602% | 1,437 |
| Net loans and leases to core deposits | 137.9974% | 230 |
| Total domestic deposits to total assets | 88.6795% | 1,022 |
| Equity capital to assets | 8.0129% | 5,518 |
| Core capital (leverage) ratio | 8.0458% | 5,501 |
| Tier 1 risk-based capital ratio | 9.3336% | 5,687 |
| Total risk-based capital ratio | 10.3392% | 5,696 |
| Memoranda: | ||
| Average total assets | $525,234,750 | 1,348 |
| Average earning assets | $484,055,500 | 1,355 |
| Average equity | $42,872,750 | 1,748 |
| Average total loans | $438,803,500 | 1,159 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 873 |
| Cost of funding earning assets | 0.9577% | 215 |
| Net interest margin | 3.8338% | 2,160 |
| Noninterest income to average assets | 1.3861% | 559 |
| Noninterest expense to average assets | 3.8508% | 629 |
| Loan and lease loss provision to assets | 0.2175% | 814 |
| Net operating income to assets | 0.5428% | 4,556 |
| Return on assets (ROA) | 0.5428% | 4,594 |
| Pretax return on assets | 0.8444% | 4,114 |
| Return on Equity (ROE) | 6.6063% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.6063% | 1,791 |
| Net charge-offs to loans | 0.0126% | 3,014 |
| Credit loss provision to net charge-offs | 2,070.3704% | 206 |
| Earnings coverage of net charge-offs (x) | 101.0741% | 650 |
| Efficiency ratio | 78.3842% | 1,410 |
| Assets per employee ($millions) | 4.6032% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,332 |
| Loan loss allowance to noncurrent loans | 145.1124% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 2,566 |
| Noncurrent loans to loans | 0.7906% | 2,426 |
| Net loans and leases to total assets | 82.6524% | 586 |
| Net loans and leases to deposits | 93.3377% | 1,327 |
| Net loans and leases to core deposits | 134.2488% | 247 |
| Total domestic deposits to total assets | 88.5520% | 1,174 |
| Equity capital to assets | 8.0921% | 5,495 |
| Core capital (leverage) ratio | 8.0911% | 5,492 |
| Tier 1 risk-based capital ratio | 9.2486% | 5,728 |
| Total risk-based capital ratio | 10.3629% | 5,730 |
| Memoranda: | ||
| Average total assets | $513,975,330 | 1,377 |
| Average earning assets | $472,795,000 | 1,391 |
| Average equity | $42,232,670 | 1,766 |
| Average total loans | $430,042,330 | 1,180 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 987 |
| Cost of funding earning assets | 0.9020% | 278 |
| Net interest margin | 3.7703% | 2,220 |
| Noninterest income to average assets | 1.6146% | 427 |
| Noninterest expense to average assets | 3.9898% | 548 |
| Loan and lease loss provision to assets | 0.1866% | 905 |
| Net operating income to assets | 0.5916% | 4,199 |
| Return on assets (ROA) | 0.5916% | 4,243 |
| Pretax return on assets | 0.8978% | 3,781 |
| Return on Equity (ROE) | 7.1418% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,803 |
| Net charge-offs to loans | -0.0076% | 4,316 |
| Credit loss provision to net charge-offs | -2,925.0000% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6298% | 1,546 |
| Assets per employee ($millions) | 4.3558% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,733 |
| Loan loss allowance to noncurrent loans | 230.9806% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,579 |
| Noncurrent loans to loans | 0.4748% | 3,388 |
| Net loans and leases to total assets | 84.1267% | 355 |
| Net loans and leases to deposits | 99.4387% | 649 |
| Net loans and leases to core deposits | 145.1686% | 131 |
| Total domestic deposits to total assets | 84.6015% | 3,262 |
| Equity capital to assets | 8.0217% | 5,509 |
| Core capital (leverage) ratio | 8.2195% | 5,431 |
| Tier 1 risk-based capital ratio | 9.2745% | 5,792 |
| Total risk-based capital ratio | 10.3728% | 5,798 |
| Memoranda: | ||
| Average total assets | $501,675,500 | 1,418 |
| Average earning assets | $460,333,500 | 1,428 |
| Average equity | $41,558,000 | 1,793 |
| Average total loans | $419,908,000 | 1,199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 815 |
| Cost of funding earning assets | 0.9157% | 272 |
| Net interest margin | 3.9250% | 1,880 |
| Noninterest income to average assets | 1.5105% | 520 |
| Noninterest expense to average assets | 4.1301% | 512 |
| Loan and lease loss provision to assets | 0.2737% | 733 |
| Net operating income to assets | 0.5124% | 4,581 |
| Return on assets (ROA) | 0.5033% | 4,691 |
| Pretax return on assets | 0.6716% | 4,580 |
| Return on Equity (ROE) | 5.8953% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.8953% | 1,772 |
| Net charge-offs to loans | 0.1039% | 2,235 |
| Credit loss provision to net charge-offs | 314.5038% | 946 |
| Earnings coverage of net charge-offs (x) | 11.0025% | 2,574 |
| Efficiency ratio | 81.1290% | 1,288 |
| Assets per employee ($millions) | 4.0391% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,293 |
| Loan loss allowance to noncurrent loans | 556.9712% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 4,567 |
| Noncurrent loans to loans | 0.2105% | 4,399 |
| Net loans and leases to total assets | 81.2598% | 703 |
| Net loans and leases to deposits | 95.2834% | 1,070 |
| Net loans and leases to core deposits | 140.8450% | 164 |
| Total domestic deposits to total assets | 85.2822% | 2,929 |
| Equity capital to assets | 8.5689% | 5,215 |
| Core capital (leverage) ratio | 8.5811% | 5,186 |
| Tier 1 risk-based capital ratio | 10.1495% | 5,699 |
| Total risk-based capital ratio | 11.3053% | 5,680 |
| Memoranda: | ||
| Average total assets | $451,640,200 | 1,506 |
| Average earning assets | $411,594,600 | 1,529 |
| Average equity | $38,556,200 | 1,908 |
| Average total loans | $378,408,600 | 1,252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 785 |
| Cost of funding earning assets | 0.9087% | 276 |
| Net interest margin | 3.9536% | 1,804 |
| Noninterest income to average assets | 1.3933% | 611 |
| Noninterest expense to average assets | 4.0126% | 578 |
| Loan and lease loss provision to assets | 0.2541% | 734 |
| Net operating income to assets | 0.4822% | 4,759 |
| Return on assets (ROA) | 0.4713% | 4,879 |
| Pretax return on assets | 0.7102% | 4,583 |
| Return on Equity (ROE) | 5.5269% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.5269% | 2,469 |
| Net charge-offs to loans | 0.1062% | 1,881 |
| Credit loss provision to net charge-offs | 284.2282% | 1,086 |
| Earnings coverage of net charge-offs (x) | 10.9699% | 2,536 |
| Efficiency ratio | 80.2920% | 1,407 |
| Assets per employee ($millions) | 4.1478% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,875 |
| Loan loss allowance to noncurrent loans | 474.3169% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 4,514 |
| Noncurrent loans to loans | 0.2301% | 4,448 |
| Net loans and leases to total assets | 83.9142% | 416 |
| Net loans and leases to deposits | 98.3863% | 821 |
| Net loans and leases to core deposits | 171.5638% | 65 |
| Total domestic deposits to total assets | 85.2905% | 2,680 |
| Equity capital to assets | 8.4245% | 5,570 |
| Core capital (leverage) ratio | 8.3520% | 5,464 |
| Tier 1 risk-based capital ratio | 9.6898% | 5,855 |
| Total risk-based capital ratio | 10.7811% | 5,861 |
| Memoranda: | ||
| Average total assets | $444,386,250 | 1,529 |
| Average earning assets | $404,648,750 | 1,548 |
| Average equity | $37,898,500 | 1,941 |
| Average total loans | $374,207,250 | 1,257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 802 |
| Cost of funding earning assets | 0.8920% | 305 |
| Net interest margin | 3.9568% | 1,783 |
| Noninterest income to average assets | 1.3152% | 661 |
| Noninterest expense to average assets | 4.0850% | 540 |
| Loan and lease loss provision to assets | 0.2278% | 901 |
| Net operating income to assets | 0.3924% | 5,058 |
| Return on assets (ROA) | 0.3924% | 5,138 |
| Pretax return on assets | 0.6097% | 4,857 |
| Return on Equity (ROE) | 4.5813% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5813% | 2,994 |
| Net charge-offs to loans | 0.1812% | 1,257 |
| Credit loss provision to net charge-offs | 149.6988% | 1,593 |
| Earnings coverage of net charge-offs (x) | 5.5030% | 2,845 |
| Efficiency ratio | 82.9205% | 1,159 |
| Assets per employee ($millions) | 4.1453% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,264 |
| Loan loss allowance to noncurrent loans | 185.4665% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 3,596 |
| Noncurrent loans to loans | 0.5621% | 3,379 |
| Net loans and leases to total assets | 82.3495% | 592 |
| Net loans and leases to deposits | 95.4393% | 1,142 |
| Net loans and leases to core deposits | 143.3165% | 159 |
| Total domestic deposits to total assets | 86.2847% | 2,279 |
| Equity capital to assets | 8.4775% | 5,608 |
| Core capital (leverage) ratio | 8.4305% | 5,420 |
| Tier 1 risk-based capital ratio | 9.8582% | 5,887 |
| Total risk-based capital ratio | 10.8908% | 5,900 |
| Memoranda: | ||
| Average total assets | $436,280,000 | 1,555 |
| Average earning assets | $397,740,670 | 1,582 |
| Average equity | $37,369,330 | 1,971 |
| Average total loans | $366,393,000 | 1,279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 832 |
| Cost of funding earning assets | 0.8680% | 349 |
| Net interest margin | 3.9396% | 1,813 |
| Noninterest income to average assets | 1.2570% | 690 |
| Noninterest expense to average assets | 4.1892% | 497 |
| Loan and lease loss provision to assets | 0.1867% | 1,063 |
| Net operating income to assets | 0.2889% | 5,334 |
| Return on assets (ROA) | 0.2889% | 5,413 |
| Pretax return on assets | 0.4700% | 5,163 |
| Return on Equity (ROE) | 3.3546% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.3546% | 3,820 |
| Net charge-offs to loans | 0.3168% | 688 |
| Credit loss provision to net charge-offs | 69.8246% | 1,907 |
| Earnings coverage of net charge-offs (x) | 2.4561% | 2,677 |
| Efficiency ratio | 86.3724% | 946 |
| Assets per employee ($millions) | 4.0520% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 4,575 |
| Loan loss allowance to noncurrent loans | 119.1257% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 2,910 |
| Noncurrent loans to loans | 0.8438% | 2,736 |
| Net loans and leases to total assets | 82.6346% | 488 |
| Net loans and leases to deposits | 95.7170% | 966 |
| Net loans and leases to core deposits | 141.5508% | 159 |
| Total domestic deposits to total assets | 86.3322% | 2,524 |
| Equity capital to assets | 8.3679% | 5,657 |
| Core capital (leverage) ratio | 8.4714% | 5,418 |
| Tier 1 risk-based capital ratio | 9.6340% | 5,985 |
| Total risk-based capital ratio | 10.6246% | 6,010 |
| Memoranda: | ||
| Average total assets | $426,427,000 | 1,591 |
| Average earning assets | $388,467,000 | 1,613 |
| Average equity | $36,726,000 | 2,003 |
| Average total loans | $359,860,500 | 1,296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 1,012 |
| Cost of funding earning assets | 0.8084% | 472 |
| Net interest margin | 3.9402% | 1,899 |
| Noninterest income to average assets | 1.1361% | 918 |
| Noninterest expense to average assets | 3.8698% | 790 |
| Loan and lease loss provision to assets | 0.2569% | 735 |
| Net operating income to assets | 0.3776% | 5,116 |
| Return on assets (ROA) | 0.3849% | 5,180 |
| Pretax return on assets | 0.6437% | 4,689 |
| Return on Equity (ROE) | 4.2785% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.2785% | 2,930 |
| Net charge-offs to loans | 0.0905% | 2,532 |
| Credit loss provision to net charge-offs | 339.1608% | 886 |
| Earnings coverage of net charge-offs (x) | 11.7378% | 2,533 |
| Efficiency ratio | 81.2368% | 1,504 |
| Assets per employee ($millions) | 4.2355% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,638 |
| Loan loss allowance to noncurrent loans | 97.0613% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 2,382 |
| Noncurrent loans to loans | 1.0275% | 2,281 |
| Net loans and leases to total assets | 84.5923% | 338 |
| Net loans and leases to deposits | 94.3821% | 1,166 |
| Net loans and leases to core deposits | 138.2900% | 186 |
| Total domestic deposits to total assets | 89.6275% | 787 |
| Equity capital to assets | 8.7933% | 5,313 |
| Core capital (leverage) ratio | 8.8576% | 5,053 |
| Tier 1 risk-based capital ratio | 9.9896% | 5,953 |
| Total risk-based capital ratio | 10.9609% | 5,994 |
| Memoranda: | ||
| Average total assets | $377,511,200 | 1,741 |
| Average earning assets | $347,110,000 | 1,751 |
| Average equity | $33,960,800 | 2,096 |
| Average total loans | $316,020,200 | 1,407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,095 |
| Cost of funding earning assets | 0.7977% | 507 |
| Net interest margin | 3.9064% | 2,009 |
| Noninterest income to average assets | 1.1868% | 862 |
| Noninterest expense to average assets | 3.9247% | 722 |
| Loan and lease loss provision to assets | 0.2510% | 679 |
| Net operating income to assets | 0.3729% | 5,253 |
| Return on assets (ROA) | 0.3828% | 5,304 |
| Pretax return on assets | 0.6241% | 4,913 |
| Return on Equity (ROE) | 4.2290% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.2290% | 3,457 |
| Net charge-offs to loans | 0.0378% | 3,142 |
| Credit loss provision to net charge-offs | 798.8506% | 446 |
| Earnings coverage of net charge-offs (x) | 27.3556% | 1,587 |
| Efficiency ratio | 81.9506% | 1,402 |
| Assets per employee ($millions) | 4.0890% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 4,499 |
| Loan loss allowance to noncurrent loans | 63.2482% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 1,671 |
| Noncurrent loans to loans | 1.6527% | 1,484 |
| Net loans and leases to total assets | 82.6656% | 506 |
| Net loans and leases to deposits | 94.3954% | 1,158 |
| Net loans and leases to core deposits | 143.3072% | 148 |
| Total domestic deposits to total assets | 87.5738% | 1,763 |
| Equity capital to assets | 8.7341% | 5,555 |
| Core capital (leverage) ratio | 8.6997% | 5,354 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,015 |
| Total risk-based capital ratio | 11.1130% | 6,044 |
| Memoranda: | ||
| Average total assets | $369,177,250 | 1,788 |
| Average earning assets | $339,977,750 | 1,799 |
| Average equity | $33,419,250 | 2,140 |
| Average total loans | $307,263,750 | 1,447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 1,096 |
| Cost of funding earning assets | 0.7932% | 521 |
| Net interest margin | 3.8947% | 1,997 |
| Noninterest income to average assets | 1.2962% | 726 |
| Noninterest expense to average assets | 4.0347% | 650 |
| Loan and lease loss provision to assets | 0.2707% | 607 |
| Net operating income to assets | 0.3664% | 5,248 |
| Return on assets (ROA) | 0.3815% | 5,313 |
| Pretax return on assets | 0.6203% | 4,929 |
| Return on Equity (ROE) | 4.1624% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.1624% | 3,380 |
| Net charge-offs to loans | 0.0332% | 3,003 |
| Credit loss provision to net charge-offs | 982.0000% | 372 |
| Earnings coverage of net charge-offs (x) | 31.4600% | 1,329 |
| Efficiency ratio | 82.2292% | 1,460 |
| Assets per employee ($millions) | 3.8661% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 4,696 |
| Loan loss allowance to noncurrent loans | 49.5241% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.7193% | 1,379 |
| Noncurrent loans to loans | 2.0865% | 1,154 |
| Net loans and leases to total assets | 81.5495% | 601 |
| Net loans and leases to deposits | 93.0958% | 1,241 |
| Net loans and leases to core deposits | 137.1178% | 189 |
| Total domestic deposits to total assets | 87.5973% | 1,842 |
| Equity capital to assets | 8.8699% | 5,373 |
| Core capital (leverage) ratio | 8.9282% | 5,051 |
| Tier 1 risk-based capital ratio | 10.1871% | 6,033 |
| Total risk-based capital ratio | 11.1718% | 6,064 |
| Memoranda: | ||
| Average total assets | $362,752,000 | 1,824 |
| Average earning assets | $335,842,000 | 1,836 |
| Average equity | $33,249,670 | 2,156 |
| Average total loans | $301,515,330 | 1,470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 1,004 |
| Cost of funding earning assets | 0.7758% | 575 |
| Net interest margin | 3.9417% | 1,737 |
| Noninterest income to average assets | 1.3522% | 630 |
| Noninterest expense to average assets | 4.1467% | 584 |
| Loan and lease loss provision to assets | 0.3586% | 354 |
| Net operating income to assets | 0.3270% | 5,318 |
| Return on assets (ROA) | 0.3530% | 5,359 |
| Pretax return on assets | 0.5774% | 4,975 |
| Return on Equity (ROE) | 3.7857% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.7857% | 3,736 |
| Net charge-offs to loans | -0.0027% | 4,381 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1516% | 1,595 |
| Assets per employee ($millions) | 3.6801% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,946 |
| Loan loss allowance to noncurrent loans | 79.9742% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 2,462 |
| Noncurrent loans to loans | 1.2676% | 2,254 |
| Net loans and leases to total assets | 84.0112% | 305 |
| Net loans and leases to deposits | 93.3266% | 1,053 |
| Net loans and leases to core deposits | 131.0968% | 233 |
| Total domestic deposits to total assets | 90.0185% | 738 |
| Equity capital to assets | 9.2234% | 5,056 |
| Core capital (leverage) ratio | 9.2038% | 4,705 |
| Tier 1 risk-based capital ratio | 10.3438% | 6,063 |
| Total risk-based capital ratio | 11.3275% | 6,099 |
| Memoranda: | ||
| Average total assets | $354,689,000 | 1,875 |
| Average earning assets | $332,043,000 | 1,851 |
| Average equity | $33,071,500 | 2,175 |
| Average total loans | $296,173,500 | 1,496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,395 |
| Cost of funding earning assets | 0.7798% | 720 |
| Net interest margin | 3.8792% | 2,317 |
| Noninterest income to average assets | 0.9957% | 1,225 |
| Noninterest expense to average assets | 3.9722% | 775 |
| Loan and lease loss provision to assets | 0.2455% | 937 |
| Net operating income to assets | 0.2608% | 5,620 |
| Return on assets (ROA) | 0.2732% | 5,661 |
| Pretax return on assets | 0.4052% | 5,472 |
| Return on Equity (ROE) | 2.7770% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.7770% | 4,265 |
| Net charge-offs to loans | 0.0333% | 4,164 |
| Credit loss provision to net charge-offs | 932.5000% | 289 |
| Earnings coverage of net charge-offs (x) | 24.0125% | 1,558 |
| Efficiency ratio | 86.1677% | 1,152 |
| Assets per employee ($millions) | 3.6338% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 5,192 |
| Loan loss allowance to noncurrent loans | 87.4607% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 2,937 |
| Noncurrent loans to loans | 1.1116% | 2,612 |
| Net loans and leases to total assets | 81.2626% | 598 |
| Net loans and leases to deposits | 91.9675% | 1,292 |
| Net loans and leases to core deposits | 123.6184% | 327 |
| Total domestic deposits to total assets | 88.3601% | 1,590 |
| Equity capital to assets | 9.4564% | 4,771 |
| Core capital (leverage) ratio | 9.6345% | 4,051 |
| Tier 1 risk-based capital ratio | 11.4587% | 5,683 |
| Total risk-based capital ratio | 12.4356% | 5,760 |
| Memoranda: | ||
| Average total assets | $303,812,600 | 2,141 |
| Average earning assets | $282,637,800 | 2,104 |
| Average equity | $29,888,600 | 2,275 |
| Average total loans | $240,452,600 | 1,760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,394 |
| Cost of funding earning assets | 0.7913% | 716 |
| Net interest margin | 3.8734% | 2,339 |
| Noninterest income to average assets | 0.9858% | 1,266 |
| Noninterest expense to average assets | 3.9581% | 790 |
| Loan and lease loss provision to assets | 0.2028% | 1,165 |
| Net operating income to assets | 0.2774% | 5,662 |
| Return on assets (ROA) | 0.2894% | 5,691 |
| Pretax return on assets | 0.4416% | 5,493 |
| Return on Equity (ROE) | 2.9081% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.9081% | 4,526 |
| Net charge-offs to loans | 0.0425% | 3,652 |
| Credit loss provision to net charge-offs | 609.5890% | 488 |
| Earnings coverage of net charge-offs (x) | 18.8220% | 1,814 |
| Efficiency ratio | 86.2312% | 1,162 |
| Assets per employee ($millions) | 3.3379% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 5,357 |
| Loan loss allowance to noncurrent loans | 94.0704% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 3,357 |
| Noncurrent loans to loans | 1.0276% | 3,017 |
| Net loans and leases to total assets | 79.4429% | 780 |
| Net loans and leases to deposits | 88.7997% | 1,575 |
| Net loans and leases to core deposits | 119.5355% | 409 |
| Total domestic deposits to total assets | 89.4630% | 1,001 |
| Equity capital to assets | 9.7338% | 4,508 |
| Core capital (leverage) ratio | 9.7761% | 3,958 |
| Tier 1 risk-based capital ratio | 11.5304% | 5,777 |
| Total risk-based capital ratio | 12.4629% | 5,854 |
| Memoranda: | ||
| Average total assets | $292,555,250 | 2,212 |
| Average earning assets | $271,795,500 | 2,198 |
| Average equity | $29,113,750 | 2,343 |
| Average total loans | $229,000,500 | 1,840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,492 |
| Cost of funding earning assets | 0.8051% | 683 |
| Net interest margin | 3.8101% | 2,532 |
| Noninterest income to average assets | 0.9354% | 1,382 |
| Noninterest expense to average assets | 3.8435% | 918 |
| Loan and lease loss provision to assets | 0.1667% | 1,469 |
| Net operating income to assets | 0.2947% | 5,581 |
| Return on assets (ROA) | 0.3059% | 5,619 |
| Pretax return on assets | 0.4775% | 5,341 |
| Return on Equity (ROE) | 3.0495% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.0495% | 4,267 |
| Net charge-offs to loans | 0.0535% | 3,201 |
| Credit loss provision to net charge-offs | 401.6949% | 692 |
| Earnings coverage of net charge-offs (x) | 15.1017% | 1,874 |
| Efficiency ratio | 85.8716% | 1,283 |
| Assets per employee ($millions) | 3.2630% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 5,457 |
| Loan loss allowance to noncurrent loans | 149.3738% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 4,544 |
| Noncurrent loans to loans | 0.6532% | 4,071 |
| Net loans and leases to total assets | 74.1939% | 1,415 |
| Net loans and leases to deposits | 82.6393% | 2,176 |
| Net loans and leases to core deposits | 111.7617% | 610 |
| Total domestic deposits to total assets | 89.7805% | 916 |
| Equity capital to assets | 9.9202% | 4,218 |
| Core capital (leverage) ratio | 9.9969% | 3,613 |
| Tier 1 risk-based capital ratio | 13.2131% | 4,777 |
| Total risk-based capital ratio | 14.2120% | 4,871 |
| Memoranda: | ||
| Average total assets | $284,373,000 | 2,259 |
| Average earning assets | $263,822,330 | 2,252 |
| Average equity | $28,529,670 | 2,372 |
| Average total loans | $220,542,670 | 1,903 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,449 |
| Cost of funding earning assets | 0.7987% | 752 |
| Net interest margin | 3.8233% | 2,374 |
| Noninterest income to average assets | 1.1548% | 832 |
| Noninterest expense to average assets | 3.9180% | 836 |
| Loan and lease loss provision to assets | 0.1576% | 1,544 |
| Net operating income to assets | 0.3815% | 5,183 |
| Return on assets (ROA) | 0.3815% | 5,257 |
| Pretax return on assets | 0.6186% | 4,772 |
| Return on Equity (ROE) | 3.7784% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.7784% | 3,861 |
| Net charge-offs to loans | 0.0652% | 2,501 |
| Credit loss provision to net charge-offs | 305.7143% | 786 |
| Earnings coverage of net charge-offs (x) | 15.0571% | 1,569 |
| Efficiency ratio | 83.3386% | 1,750 |
| Assets per employee ($millions) | 3.3238% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 5,555 |
| Loan loss allowance to noncurrent loans | 139.8058% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 4,527 |
| Noncurrent loans to loans | 0.7102% | 4,093 |
| Net loans and leases to total assets | 75.3508% | 1,082 |
| Net loans and leases to deposits | 83.8260% | 1,839 |
| Net loans and leases to core deposits | 114.5586% | 446 |
| Total domestic deposits to total assets | 89.8896% | 1,132 |
| Equity capital to assets | 9.6427% | 4,303 |
| Core capital (leverage) ratio | 9.8896% | 3,731 |
| Tier 1 risk-based capital ratio | 12.2189% | 5,496 |
| Total risk-based capital ratio | 13.2214% | 5,595 |
| Memoranda: | ||
| Average total assets | $271,567,000 | 2,364 |
| Average earning assets | $251,406,500 | 2,346 |
| Average equity | $27,419,000 | 2,446 |
| Average total loans | $214,686,000 | 1,939 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 987 |
| Cost of funding earning assets | 0.8978% | 747 |
| Net interest margin | 4.0661% | 1,743 |
| Noninterest income to average assets | 1.6483% | 529 |
| Noninterest expense to average assets | 4.4247% | 562 |
| Loan and lease loss provision to assets | 0.4632% | 615 |
| Net operating income to assets | 0.3455% | 5,352 |
| Return on assets (ROA) | 0.3518% | 5,439 |
| Pretax return on assets | 0.5152% | 5,162 |
| Return on Equity (ROE) | 3.3709% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.3709% | 3,828 |
| Net charge-offs to loans | 0.3537% | 1,909 |
| Credit loss provision to net charge-offs | 165.8015% | 1,375 |
| Earnings coverage of net charge-offs (x) | 3.4687% | 3,844 |
| Efficiency ratio | 81.9246% | 1,886 |
| Assets per employee ($millions) | 3.3854% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 5,636 |
| Loan loss allowance to noncurrent loans | 122.7513% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 4,260 |
| Noncurrent loans to loans | 0.8030% | 3,967 |
| Net loans and leases to total assets | 81.5182% | 453 |
| Net loans and leases to deposits | 92.0203% | 1,047 |
| Net loans and leases to core deposits | 123.4470% | 279 |
| Total domestic deposits to total assets | 88.5872% | 1,862 |
| Equity capital to assets | 10.6008% | 3,045 |
| Core capital (leverage) ratio | 10.4875% | 2,934 |
| Tier 1 risk-based capital ratio | 12.8022% | 5,111 |
| Total risk-based capital ratio | 13.8114% | 5,202 |
| Memoranda: | ||
| Average total assets | $234,479,600 | 2,673 |
| Average earning assets | $215,979,400 | 2,663 |
| Average equity | $24,474,400 | 2,682 |
| Average total loans | $185,163,600 | 2,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 1,088 |
| Cost of funding earning assets | 0.9124% | 767 |
| Net interest margin | 4.0048% | 1,929 |
| Noninterest income to average assets | 1.9378% | 437 |
| Noninterest expense to average assets | 4.5895% | 476 |
| Loan and lease loss provision to assets | 0.4190% | 703 |
| Net operating income to assets | 0.3817% | 5,326 |
| Return on assets (ROA) | 0.3631% | 5,527 |
| Pretax return on assets | 0.5915% | 5,050 |
| Return on Equity (ROE) | 3.4939% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.4939% | 4,203 |
| Net charge-offs to loans | 0.1912% | 2,695 |
| Credit loss provision to net charge-offs | 280.8594% | 905 |
| Earnings coverage of net charge-offs (x) | 6.9689% | 2,873 |
| Efficiency ratio | 81.4266% | 1,909 |
| Assets per employee ($millions) | 3.3277% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,509 |
| Loan loss allowance to noncurrent loans | 105.6594% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 4,119 |
| Noncurrent loans to loans | 0.9979% | 3,814 |
| Net loans and leases to total assets | 78.6242% | 689 |
| Net loans and leases to deposits | 88.4342% | 1,318 |
| Net loans and leases to core deposits | 114.9553% | 422 |
| Total domestic deposits to total assets | 88.9070% | 1,613 |
| Equity capital to assets | 10.8562% | 2,909 |
| Core capital (leverage) ratio | 10.7913% | 2,682 |
| Tier 1 risk-based capital ratio | 12.9717% | 5,144 |
| Total risk-based capital ratio | 14.0066% | 5,229 |
| Memoranda: | ||
| Average total assets | $228,776,750 | 2,750 |
| Average earning assets | $210,874,000 | 2,729 |
| Average equity | $23,774,250 | 2,781 |
| Average total loans | $178,497,750 | 2,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 1,110 |
| Cost of funding earning assets | 0.9341% | 766 |
| Net interest margin | 3.9627% | 1,996 |
| Noninterest income to average assets | 2.0799% | 421 |
| Noninterest expense to average assets | 4.6997% | 447 |
| Loan and lease loss provision to assets | 0.4048% | 762 |
| Net operating income to assets | 0.3823% | 5,284 |
| Return on assets (ROA) | 0.3534% | 5,573 |
| Pretax return on assets | 0.5752% | 5,112 |
| Return on Equity (ROE) | 3.4587% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.4587% | 4,121 |
| Net charge-offs to loans | 0.0419% | 4,092 |
| Credit loss provision to net charge-offs | 1,247.2222% | 252 |
| Earnings coverage of net charge-offs (x) | 31.5833% | 1,106 |
| Efficiency ratio | 81.9843% | 1,889 |
| Assets per employee ($millions) | 3.0608% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,484 |
| Loan loss allowance to noncurrent loans | 99.8045% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 4,003 |
| Noncurrent loans to loans | 1.0924% | 3,746 |
| Net loans and leases to total assets | 80.6959% | 469 |
| Net loans and leases to deposits | 90.5681% | 1,091 |
| Net loans and leases to core deposits | 119.7141% | 321 |
| Total domestic deposits to total assets | 89.0997% | 1,571 |
| Equity capital to assets | 10.8358% | 2,911 |
| Core capital (leverage) ratio | 10.4306% | 2,958 |
| Tier 1 risk-based capital ratio | 12.4823% | 5,519 |
| Total risk-based capital ratio | 13.5551% | 5,568 |
| Memoranda: | ||
| Average total assets | $221,842,000 | 2,818 |
| Average earning assets | $204,051,670 | 2,823 |
| Average equity | $22,667,330 | 2,906 |
| Average total loans | $171,889,670 | 2,295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,399 |
| Cost of funding earning assets | 0.9608% | 742 |
| Net interest margin | 3.7912% | 2,482 |
| Noninterest income to average assets | 1.7157% | 537 |
| Noninterest expense to average assets | 4.6628% | 468 |
| Loan and lease loss provision to assets | 0.2367% | 1,536 |
| Net operating income to assets | 0.1835% | 5,939 |
| Return on assets (ROA) | 0.1835% | 6,051 |
| Pretax return on assets | 0.2991% | 5,854 |
| Return on Equity (ROE) | 1.8550% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.8550% | 5,069 |
| Net charge-offs to loans | 0.0901% | 2,940 |
| Credit loss provision to net charge-offs | 348.6486% | 706 |
| Earnings coverage of net charge-offs (x) | 7.8919% | 2,006 |
| Efficiency ratio | 89.5517% | 1,182 |
| Assets per employee ($millions) | 3.0061% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 5,917 |
| Loan loss allowance to noncurrent loans | 84.8201% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 4,083 |
| Noncurrent loans to loans | 1.2041% | 3,760 |
| Net loans and leases to total assets | 76.0029% | 842 |
| Net loans and leases to deposits | 84.4685% | 1,538 |
| Net loans and leases to core deposits | 109.6384% | 506 |
| Total domestic deposits to total assets | 89.9778% | 1,068 |
| Equity capital to assets | 9.8490% | 4,351 |
| Core capital (leverage) ratio | 9.2554% | 4,471 |
| Tier 1 risk-based capital ratio | 11.3063% | 6,272 |
| Total risk-based capital ratio | 12.2681% | 6,372 |
| Memoranda: | ||
| Average total assets | $217,981,500 | 2,898 |
| Average earning assets | $200,251,500 | 2,898 |
| Average equity | $21,563,500 | 3,075 |
| Average total loans | $164,189,500 | 2,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,589 |
| Cost of funding earning assets | 1.0888% | 944 |
| Net interest margin | 3.8996% | 2,830 |
| Noninterest income to average assets | 1.9929% | 440 |
| Noninterest expense to average assets | 5.0292% | 365 |
| Loan and lease loss provision to assets | 0.2966% | 2,307 |
| Net operating income to assets | 0.1720% | 5,837 |
| Return on assets (ROA) | 0.2737% | 5,774 |
| Pretax return on assets | 0.3771% | 5,635 |
| Return on Equity (ROE) | 2.8499% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.8499% | 4,234 |
| Net charge-offs to loans | 0.2657% | 3,349 |
| Credit loss provision to net charge-offs | 148.2667% | 1,836 |
| Earnings coverage of net charge-offs (x) | 2.6720% | 4,095 |
| Efficiency ratio | 90.2589% | 1,044 |
| Assets per employee ($millions) | 3.0496% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 5,902 |
| Loan loss allowance to noncurrent loans | 123.5205% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 4,955 |
| Noncurrent loans to loans | 0.8244% | 4,537 |
| Net loans and leases to total assets | 73.0866% | 1,322 |
| Net loans and leases to deposits | 81.2782% | 2,114 |
| Net loans and leases to core deposits | 101.9574% | 891 |
| Total domestic deposits to total assets | 89.9215% | 988 |
| Equity capital to assets | 9.9363% | 4,258 |
| Core capital (leverage) ratio | 9.9130% | 3,524 |
| Tier 1 risk-based capital ratio | 12.0230% | 5,775 |
| Total risk-based capital ratio | 12.9942% | 5,901 |
| Memoranda: | ||
| Average total assets | $187,465,200 | 3,202 |
| Average earning assets | $171,660,800 | 3,207 |
| Average equity | $18,000,800 | 3,467 |
| Average total loans | $141,158,600 | 2,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 1,717 |
| Cost of funding earning assets | 1.1176% | 992 |
| Net interest margin | 3.8709% | 3,023 |
| Noninterest income to average assets | 2.1472% | 387 |
| Noninterest expense to average assets | 5.1896% | 327 |
| Loan and lease loss provision to assets | 0.2035% | 3,044 |
| Net operating income to assets | 0.1838% | 5,956 |
| Return on assets (ROA) | 0.2686% | 5,920 |
| Pretax return on assets | 0.4306% | 5,647 |
| Return on Equity (ROE) | 2.8266% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.8266% | 4,855 |
| Net charge-offs to loans | 0.0078% | 5,614 |
| Credit loss provision to net charge-offs | 3,437.5000% | 82 |
| Earnings coverage of net charge-offs (x) | 84.7216% | 489 |
| Efficiency ratio | 91.0426% | 959 |
| Assets per employee ($millions) | 2.9251% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,611 |
| Loan loss allowance to noncurrent loans | 303.4234% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 6,004 |
| Noncurrent loans to loans | 0.3710% | 5,738 |
| Net loans and leases to total assets | 74.3697% | 1,193 |
| Net loans and leases to deposits | 83.6268% | 1,912 |
| Net loans and leases to core deposits | 95.3303% | 1,457 |
| Total domestic deposits to total assets | 88.9304% | 1,472 |
| Equity capital to assets | 10.7886% | 3,516 |
| Core capital (leverage) ratio | 10.7832% | 2,627 |
| Tier 1 risk-based capital ratio | 12.9577% | 5,285 |
| Total risk-based capital ratio | 14.0541% | 5,369 |
| Memoranda: | ||
| Average total assets | $180,201,500 | 3,345 |
| Average earning assets | $164,987,750 | 3,342 |
| Average equity | $17,122,500 | 3,633 |
| Average total loans | $136,479,500 | 2,801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 1,637 |
| Cost of funding earning assets | 1.1409% | 1,067 |
| Net interest margin | 3.9171% | 2,834 |
| Noninterest income to average assets | 2.1050% | 374 |
| Noninterest expense to average assets | 5.2608% | 317 |
| Loan and lease loss provision to assets | 0.2242% | 2,839 |
| Net operating income to assets | 0.1212% | 6,111 |
| Return on assets (ROA) | 0.2529% | 5,948 |
| Pretax return on assets | 0.4058% | 5,698 |
| Return on Equity (ROE) | 2.8067% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.8067% | 4,758 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3964% | 903 |
| Assets per employee ($millions) | 2.8656% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,624 |
| Loan loss allowance to noncurrent loans | 447.7778% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,290 |
| Noncurrent loans to loans | 0.2533% | 6,071 |
| Net loans and leases to total assets | 76.6244% | 892 |
| Net loans and leases to deposits | 84.2728% | 1,819 |
| Net loans and leases to core deposits | 99.0331% | 1,172 |
| Total domestic deposits to total assets | 90.9243% | 476 |
| Equity capital to assets | 8.8756% | 5,834 |
| Core capital (leverage) ratio | 8.2583% | 5,983 |
| Tier 1 risk-based capital ratio | 10.0124% | 6,823 |
| Total risk-based capital ratio | 11.1196% | 6,849 |
| Memoranda: | ||
| Average total assets | $173,967,000 | 3,446 |
| Average earning assets | $158,993,330 | 3,445 |
| Average equity | $15,677,000 | 3,854 |
| Average total loans | $132,103,000 | 2,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 1,800 |
| Cost of funding earning assets | 1.1611% | 1,142 |
| Net interest margin | 3.8643% | 3,078 |
| Noninterest income to average assets | 2.1648% | 364 |
| Noninterest expense to average assets | 5.4334% | 278 |
| Loan and lease loss provision to assets | 0.2954% | 2,116 |
| Net operating income to assets | -0.0320% | 6,458 |
| Return on assets (ROA) | 0.2387% | 6,006 |
| Pretax return on assets | 0.3829% | 5,773 |
| Return on Equity (ROE) | 2.6274% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.6274% | 4,945 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3469% | 753 |
| Assets per employee ($millions) | 2.8755% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,637 |
| Loan loss allowance to noncurrent loans | 436.8272% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 6,390 |
| Noncurrent loans to loans | 0.2680% | 6,147 |
| Net loans and leases to total assets | 73.0071% | 1,226 |
| Net loans and leases to deposits | 80.1311% | 2,186 |
| Net loans and leases to core deposits | 93.4814% | 1,505 |
| Total domestic deposits to total assets | 91.1095% | 508 |
| Equity capital to assets | 8.6387% | 5,944 |
| Core capital (leverage) ratio | 8.0713% | 6,191 |
| Tier 1 risk-based capital ratio | 10.0368% | 6,869 |
| Total risk-based capital ratio | 11.1831% | 6,896 |
| Memoranda: | ||
| Average total assets | $169,250,000 | 3,527 |
| Average earning assets | $154,334,500 | 3,544 |
| Average equity | $15,376,500 | 3,918 |
| Average total loans | $127,083,500 | 2,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 1,683 |
| Cost of funding earning assets | 1.3417% | 1,282 |
| Net interest margin | 3.9636% | 3,047 |
| Noninterest income to average assets | 2.0991% | 345 |
| Noninterest expense to average assets | 5.7505% | 237 |
| Loan and lease loss provision to assets | 0.5147% | 2,044 |
| Net operating income to assets | -0.2084% | 6,269 |
| Return on assets (ROA) | -0.1404% | 6,267 |
| Pretax return on assets | -0.4702% | 6,475 |
| Return on Equity (ROE) | -1.4341% | 6,288 |
| Retained earnings to average equity (ytd only) | -1.4341% | 6,079 |
| Net charge-offs to loans | 0.0039% | 6,388 |
| Credit loss provision to net charge-offs | 17,325.0000% | 10 |
| Earnings coverage of net charge-offs (x) | -20.7500% | 6,410 |
| Efficiency ratio | 100.8878% | 643 |
| Assets per employee ($millions) | 2.6703% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,584 |
| Loan loss allowance to noncurrent loans | 358.0808% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 6,351 |
| Noncurrent loans to loans | 0.3233% | 6,085 |
| Net loans and leases to total assets | 75.5524% | 1,015 |
| Net loans and leases to deposits | 83.7432% | 1,958 |
| Net loans and leases to core deposits | 94.7517% | 1,618 |
| Total domestic deposits to total assets | 90.2191% | 868 |
| Equity capital to assets | 9.5818% | 4,768 |
| Core capital (leverage) ratio | 8.9790% | 4,823 |
| Tier 1 risk-based capital ratio | 9.8593% | 6,885 |
| Total risk-based capital ratio | 10.9015% | 6,925 |
| Memoranda: | ||
| Average total assets | $134,631,800 | 4,083 |
| Average earning assets | $121,935,400 | 4,094 |
| Average equity | $13,178,600 | 4,309 |
| Average total loans | $101,491,200 | 3,582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 1,867 |
| Cost of funding earning assets | 1.3838% | 1,302 |
| Net interest margin | 3.9136% | 3,316 |
| Noninterest income to average assets | 2.1845% | 330 |
| Noninterest expense to average assets | 6.0377% | 198 |
| Loan and lease loss provision to assets | 0.4544% | 2,186 |
| Net operating income to assets | -0.4757% | 6,626 |
| Return on assets (ROA) | -0.3805% | 6,614 |
| Pretax return on assets | -0.6186% | 6,690 |
| Return on Equity (ROE) | -3.8621% | 6,621 |
| Retained earnings to average equity (ytd only) | -3.8621% | 6,502 |
| Net charge-offs to loans | 0.0055% | 6,100 |
| Credit loss provision to net charge-offs | 10,925.0000% | 21 |
| Earnings coverage of net charge-offs (x) | -75.2946% | 6,173 |
| Efficiency ratio | 105.2670% | 519 |
| Assets per employee ($millions) | 2.7467% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,274 |
| Loan loss allowance to noncurrent loans | 300.2584% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 6,421 |
| Noncurrent loans to loans | 0.3327% | 6,184 |
| Net loans and leases to total assets | 76.2342% | 948 |
| Net loans and leases to deposits | 84.8745% | 1,863 |
| Net loans and leases to core deposits | 101.7547% | 1,107 |
| Total domestic deposits to total assets | 89.8200% | 964 |
| Equity capital to assets | 10.0371% | 4,287 |
| Core capital (leverage) ratio | 10.4852% | 2,884 |
| Tier 1 risk-based capital ratio | 11.2601% | 6,397 |
| Total risk-based capital ratio | 12.2322% | 6,529 |
| Memoranda: | ||
| Average total assets | $128,234,750 | 4,230 |
| Average earning assets | $116,002,250 | 4,250 |
| Average equity | $12,635,250 | 4,425 |
| Average total loans | $96,247,000 | 3,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 1,465 |
| Cost of funding earning assets | 1.4087% | 1,381 |
| Net interest margin | 4.0249% | 2,714 |
| Noninterest income to average assets | 1.7144% | 457 |
| Noninterest expense to average assets | 5.8049% | 218 |
| Loan and lease loss provision to assets | 0.4460% | 2,198 |
| Net operating income to assets | -0.5640% | 6,740 |
| Return on assets (ROA) | -0.5173% | 6,733 |
| Pretax return on assets | -0.8489% | 6,844 |
| Return on Equity (ROE) | -5.2914% | 6,731 |
| Retained earnings to average equity (ytd only) | -5.2914% | 6,589 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6808% | 504 |
| Assets per employee ($millions) | 3.2960% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,554 |
| Loan loss allowance to noncurrent loans | 257.2165% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,431 |
| Noncurrent loans to loans | 0.3647% | 6,173 |
| Net loans and leases to total assets | 76.1273% | 1,059 |
| Net loans and leases to deposits | 83.5906% | 2,171 |
| Net loans and leases to core deposits | 103.5694% | 1,071 |
| Total domestic deposits to total assets | 91.0716% | 473 |
| Equity capital to assets | 8.7890% | 5,831 |
| Core capital (leverage) ratio | 8.2061% | 6,021 |
| Tier 1 risk-based capital ratio | 9.5901% | 7,084 |
| Total risk-based capital ratio | 10.4998% | 7,142 |
| Memoranda: | ||
| Average total assets | $120,623,000 | 4,436 |
| Average earning assets | $108,325,000 | 4,498 |
| Average equity | $11,792,670 | 4,617 |
| Average total loans | $89,553,000 | 3,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 1,148 |
| Cost of funding earning assets | 1.4550% | 1,358 |
| Net interest margin | 4.1070% | 2,243 |
| Noninterest income to average assets | 0.0573% | 7,106 |
| Noninterest expense to average assets | 4.9446% | 384 |
| Loan and lease loss provision to assets | 0.5156% | 1,686 |
| Net operating income to assets | -1.0711% | 7,061 |
| Return on assets (ROA) | -0.9703% | 7,037 |
| Pretax return on assets | -1.5969% | 7,192 |
| Return on Equity (ROE) | -9.3404% | 7,007 |
| Retained earnings to average equity (ytd only) | -9.3404% | 6,833 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4300% | 240 |
| Assets per employee ($millions) | 2.8849% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,419 |
| Loan loss allowance to noncurrent loans | 210.1205% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 6,330 |
| Noncurrent loans to loans | 0.4735% | 6,073 |
| Net loans and leases to total assets | 73.3564% | 1,447 |
| Net loans and leases to deposits | 81.9204% | 2,379 |
| Net loans and leases to core deposits | 97.9289% | 1,531 |
| Total domestic deposits to total assets | 89.5460% | 1,455 |
| Equity capital to assets | 9.9890% | 3,787 |
| Core capital (leverage) ratio | 9.3212% | 4,091 |
| Tier 1 risk-based capital ratio | 10.2598% | 6,908 |
| Total risk-based capital ratio | 11.1130% | 7,051 |
| Memoranda: | ||
| Average total assets | $111,717,500 | 4,691 |
| Average earning assets | $99,246,000 | 4,760 |
| Average equity | $11,605,500 | 4,644 |
| Average total loans | $81,137,500 | 4,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 4,518 |
| Cost of funding earning assets | 1.4874% | 2,719 |
| Net interest margin | 3.5216% | 5,155 |
| Noninterest income to average assets | 0.2108% | 6,296 |
| Noninterest expense to average assets | 7.1859% | 148 |
| Loan and lease loss provision to assets | 0.9244% | 1,765 |
| Net operating income to assets | -2.9826% | 7,293 |
| Return on assets (ROA) | -2.9826% | 7,314 |
| Pretax return on assets | -4.8542% | 7,529 |
| Return on Equity (ROE) | -16.8934% | 6,974 |
| Retained earnings to average equity (ytd only) | -16.8934% | 6,942 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.6037% | 73 |
| Assets per employee ($millions) | 2.6963% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,472 |
| Loan loss allowance to noncurrent loans | 186.1893% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 6,339 |
| Noncurrent loans to loans | 0.5239% | 5,993 |
| Net loans and leases to total assets | 70.2858% | 2,474 |
| Net loans and leases to deposits | 78.9474% | 3,347 |
| Net loans and leases to core deposits | 95.3050% | 2,086 |
| Total domestic deposits to total assets | 89.0286% | 1,649 |
| Equity capital to assets | 10.8373% | 2,825 |
| Core capital (leverage) ratio | 10.5694% | 2,492 |
| Tier 1 risk-based capital ratio | 11.2959% | 6,094 |
| Total risk-based capital ratio | 12.1516% | 6,385 |
| Memoranda: | ||
| Average total assets | $70,206,600 | 5,884 |
| Average earning assets | $60,710,600 | 5,971 |
| Average equity | $12,395,400 | 4,507 |
| Average total loans | $41,664,600 | 5,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 6,203 |
| Cost of funding earning assets | 1.4786% | 3,097 |
| Net interest margin | 3.1684% | 6,434 |
| Noninterest income to average assets | 0.1518% | 6,773 |
| Noninterest expense to average assets | 7.7782% | 117 |
| Loan and lease loss provision to assets | 0.8459% | 1,797 |
| Net operating income to assets | -3.5182% | 7,521 |
| Return on assets (ROA) | -3.5182% | 7,531 |
| Pretax return on assets | -5.7393% | 7,681 |
| Return on Equity (ROE) | -17.1022% | 7,161 |
| Retained earnings to average equity (ytd only) | -17.1022% | 7,138 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.4737% | 36 |
| Assets per employee ($millions) | 2.1619% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 6,610 |
| Loan loss allowance to noncurrent loans | 126.8041% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 6,243 |
| Noncurrent loans to loans | 0.7412% | 5,722 |
| Net loans and leases to total assets | 63.1225% | 4,297 |
| Net loans and leases to deposits | 74.2862% | 4,457 |
| Net loans and leases to core deposits | 90.0811% | 3,079 |
| Total domestic deposits to total assets | 84.9719% | 3,628 |
| Equity capital to assets | 14.8735% | 923 |
| Core capital (leverage) ratio | 15.8355% | 585 |
| Tier 1 risk-based capital ratio | 16.0086% | 2,759 |
| Total risk-based capital ratio | 16.7115% | 2,989 |
| Memoranda: | ||
| Average total assets | $61,469,500 | 6,209 |
| Average earning assets | $53,023,000 | 6,328 |
| Average equity | $12,645,250 | 4,513 |
| Average total loans | $33,421,500 | 6,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 6,855 |
| Cost of funding earning assets | 1.4095% | 3,814 |
| Net interest margin | 3.0105% | 6,806 |
| Noninterest income to average assets | 0.1356% | 6,907 |
| Noninterest expense to average assets | 8.2345% | 108 |
| Loan and lease loss provision to assets | 0.9931% | 1,463 |
| Net operating income to assets | -4.0128% | 7,625 |
| Return on assets (ROA) | -4.0128% | 7,630 |
| Pretax return on assets | -6.5011% | 7,746 |
| Return on Equity (ROE) | -17.1263% | 7,206 |
| Retained earnings to average equity (ytd only) | -17.1263% | 7,172 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 301.7473% | 42 |
| Assets per employee ($millions) | 1.8991% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,675 |
| Loan loss allowance to noncurrent loans | 74.1551% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 5,653 |
| Noncurrent loans to loans | 1.2486% | 4,880 |
| Net loans and leases to total assets | 58.3799% | 5,356 |
| Net loans and leases to deposits | 71.8397% | 5,018 |
| Net loans and leases to core deposits | 94.5939% | 2,636 |
| Total domestic deposits to total assets | 81.2641% | 5,310 |
| Equity capital to assets | 18.5077% | 377 |
| Core capital (leverage) ratio | 19.4703% | 272 |
| Tier 1 risk-based capital ratio | 19.6911% | 1,564 |
| Total risk-based capital ratio | 20.3264% | 1,665 |
| Memoranda: | ||
| Average total assets | $54,575,000 | 6,506 |
| Average earning assets | $46,968,670 | 6,590 |
| Average equity | $12,787,330 | 4,485 |
| Average total loans | $27,112,330 | 6,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 7,525 |
| Cost of funding earning assets | 1.3078% | 4,769 |
| Net interest margin | 2.5864% | 7,403 |
| Noninterest income to average assets | 0.1510% | 6,885 |
| Noninterest expense to average assets | 9.3877% | 84 |
| Loan and lease loss provision to assets | 1.1829% | 1,030 |
| Net operating income to assets | -5.1091% | 7,789 |
| Return on assets (ROA) | -5.1091% | 7,793 |
| Pretax return on assets | -8.1964% | 7,867 |
| Return on Equity (ROE) | -18.9506% | 7,420 |
| Retained earnings to average equity (ytd only) | -18.9506% | 7,348 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 394.6996% | 23 |
| Assets per employee ($millions) | 1.4891% | 7,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,871 |
| Loan loss allowance to noncurrent loans | 79.6721% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 6,082 |
| Noncurrent loans to loans | 1.1148% | 5,131 |
| Net loans and leases to total assets | 50.5820% | 6,416 |
| Net loans and leases to deposits | 67.0508% | 5,705 |
| Net loans and leases to core deposits | 79.7553% | 4,788 |
| Total domestic deposits to total assets | 75.4384% | 6,839 |
| Equity capital to assets | 24.3285% | 158 |
| Core capital (leverage) ratio | 26.4859% | 115 |
| Tier 1 risk-based capital ratio | 25.8517% | 786 |
| Total risk-based capital ratio | 26.3469% | 831 |
| Memoranda: | ||
| Average total assets | $47,679,500 | 6,817 |
| Average earning assets | $40,983,500 | 6,897 |
| Average equity | $12,854,500 | 4,509 |
| Average total loans | $20,526,000 | 7,128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3195% | 7,958 |
| Cost of funding earning assets | 0.2666% | 7,919 |
| Net interest margin | 1.0528% | 7,926 |
| Noninterest income to average assets | 0.0481% | 7,510 |
| Noninterest expense to average assets | 4.6756% | 665 |
| Loan and lease loss provision to assets | 0.6138% | 3,342 |
| Net operating income to assets | -4.3145% | 7,654 |
| Return on assets (ROA) | -2.6898% | 7,327 |
| Pretax return on assets | -2.6898% | 7,204 |
| Return on Equity (ROE) | -11.4662% | 6,730 |
| Retained earnings to average equity (ytd only) | -11.4662% | 6,638 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 479.6296% | 33 |
| Assets per employee ($millions) | 1.1929% | 7,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 7,277 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 5,923 |
| Noncurrent loans to loans | 1.8623% | 3,846 |
| Net loans and leases to total assets | 32.5525% | 7,643 |
| Net loans and leases to deposits | 47.0179% | 7,398 |
| Net loans and leases to core deposits | 78.4111% | 6,232 |
| Total domestic deposits to total assets | 69.2343% | 7,476 |
| Equity capital to assets | 30.3394% | 99 |
| Core capital (leverage) ratio | 71.7314% | 34 |
| Tier 1 risk-based capital ratio | 39.5610% | 261 |
| Total risk-based capital ratio | 39.9061% | 268 |
| Memoranda: | ||
| Average total assets | $16,618,200 | 7,863 |
| Average earning assets | $14,627,000 | 7,856 |
| Average equity | $3,898,400 | 7,330 |
| Average total loans | $6,479,200 | 7,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2279% | 1,303 |
| Cost of funding earning assets | 1.4340% | 6,107 |
| Net interest margin | 4.7940% | 690 |
| Noninterest income to average assets | 1.0450% | 1,459 |
| Noninterest expense to average assets | 3.8831% | 1,453 |
| Loan and lease loss provision to assets | 0.6193% | 2,918 |
| Net operating income to assets | 0.9302% | 2,305 |
| Return on assets (ROA) | 1.0707% | 1,877 |
| Pretax return on assets | 1.0836% | 2,630 |
| Return on Equity (ROE) | 6.4856% | 3,305 |
| Retained earnings to average equity (ytd only) | 6.4856% | 1,714 |
| Net charge-offs to loans | 0.7415% | 2,508 |
| Credit loss provision to net charge-offs | 184.6154% | 2,466 |
| Earnings coverage of net charge-offs (x) | 4.6533% | 3,056 |
| Efficiency ratio | 71.3270% | 4,360 |
| Assets per employee ($millions) | 1.7403% | 7,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3850% | 1,189 |
| Loan loss allowance to noncurrent loans | 78.3217% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 4,348 |
| Noncurrent loans to loans | 3.0451% | 2,486 |
| Net loans and leases to total assets | 43.8996% | 7,251 |
| Net loans and leases to deposits | 53.0433% | 7,257 |
| Net loans and leases to core deposits | 67.2437% | 7,098 |
| Total domestic deposits to total assets | 82.7619% | 4,339 |
| Equity capital to assets | 16.9987% | 636 |
| Core capital (leverage) ratio | 16.8443% | 573 |
| Tier 1 risk-based capital ratio | 23.2367% | 1,078 |
| Total risk-based capital ratio | 24.4909% | 1,050 |
| Memoranda: | ||
| Average total assets | $10,335,000 | 8,051 |
| Average earning assets | $9,484,000 | 8,032 |
| Average equity | $1,706,250 | 7,975 |
| Average total loans | $4,675,750 | 7,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5838% | 681 |
| Cost of funding earning assets | 1.4276% | 6,387 |
| Net interest margin | 5.1562% | 322 |
| Noninterest income to average assets | 1.1069% | 1,298 |
| Noninterest expense to average assets | 3.7284% | 1,780 |
| Loan and lease loss provision to assets | 1.4370% | 1,213 |
| Net operating income to assets | 0.6253% | 3,563 |
| Return on assets (ROA) | 0.8156% | 2,894 |
| Pretax return on assets | 0.8350% | 3,556 |
| Return on Equity (ROE) | 4.9901% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,511 |
| Net charge-offs to loans | -0.0428% | 7,826 |
| Credit loss provision to net charge-offs | -7,400.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2140% | 5,869 |
| Assets per employee ($millions) | 1.7600% | 7,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7406% | 314 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,619 |
| Noncurrent loans to loans | 0.0227% | 7,485 |
| Net loans and leases to total assets | 40.2083% | 7,540 |
| Net loans and leases to deposits | 48.0970% | 7,562 |
| Net loans and leases to core deposits | 58.9477% | 7,487 |
| Total domestic deposits to total assets | 83.5985% | 3,969 |
| Equity capital to assets | 16.0985% | 805 |
| Core capital (leverage) ratio | 16.9914% | 615 |
| Tier 1 risk-based capital ratio | 23.0738% | 1,121 |
| Total risk-based capital ratio | 24.3351% | 1,105 |
| Memoranda: | ||
| Average total assets | $10,299,330 | 8,142 |
| Average earning assets | $9,386,670 | 8,122 |
| Average equity | $1,683,330 | 8,061 |
| Average total loans | $4,669,000 | 8,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1559% | 267 |
| Cost of funding earning assets | 1.7474% | 5,367 |
| Net interest margin | 5.4085% | 198 |
| Noninterest income to average assets | 0.8260% | 2,196 |
| Noninterest expense to average assets | 3.5402% | 2,003 |
| Loan and lease loss provision to assets | 2.9108% | 377 |
| Net operating income to assets | -0.5507% | 6,926 |
| Return on assets (ROA) | -0.1180% | 6,547 |
| Pretax return on assets | -0.0787% | 6,460 |
| Return on Equity (ROE) | -0.7164% | 6,498 |
| Retained earnings to average equity (ytd only) | -0.7164% | 5,817 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6026% | 6,460 |
| Assets per employee ($millions) | 1.4256% | 8,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5831% | 306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.2229% | 7,319 |
| Net loans and leases to deposits | 53.3486% | 7,324 |
| Net loans and leases to core deposits | 67.9237% | 7,137 |
| Total domestic deposits to total assets | 82.8941% | 4,196 |
| Equity capital to assets | 16.7151% | 762 |
| Core capital (leverage) ratio | 14.9248% | 987 |
| Tier 1 risk-based capital ratio | 25.2311% | 963 |
| Total risk-based capital ratio | 26.4941% | 932 |
| Memoranda: | ||
| Average total assets | $10,169,000 | 8,189 |
| Average earning assets | $9,614,500 | 8,169 |
| Average equity | $1,675,000 | 8,118 |
| Average total loans | $4,798,000 | 8,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3666% | 3,597 |
| Cost of funding earning assets | 2.1191% | 5,971 |
| Net interest margin | 4.2475% | 2,123 |
| Noninterest income to average assets | 1.2310% | 982 |
| Noninterest expense to average assets | 4.2393% | 1,109 |
| Loan and lease loss provision to assets | 9.5535% | 11 |
| Net operating income to assets | -8.8687% | 8,240 |
| Return on assets (ROA) | -8.8687% | 8,238 |
| Pretax return on assets | -8.5826% | 8,219 |
| Return on Equity (ROE) | -40.7180% | 8,084 |
| Retained earnings to average equity (ytd only) | -41.1161% | 8,059 |
| Net charge-offs to loans | 18.3964% | 2 |
| Credit loss provision to net charge-offs | 101.8484% | 5,231 |
| Earnings coverage of net charge-offs (x) | 0.1035% | 6,183 |
| Efficiency ratio | 81.3644% | 2,393 |
| Assets per employee ($millions) | 1.4799% | 8,168 |
| Cash dividends to net income (ytd only)* | -0.9775% | 7,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 1,650 |
| Loan loss allowance to noncurrent loans | 169.8113% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 5,645 |
| Noncurrent loans to loans | 1.0560% | 4,463 |
| Net loans and leases to total assets | 47.5818% | 7,216 |
| Net loans and leases to deposits | 57.0883% | 7,256 |
| Net loans and leases to core deposits | 75.1487% | 6,907 |
| Total domestic deposits to total assets | 83.3478% | 3,637 |
| Equity capital to assets | 16.2371% | 892 |
| Core capital (leverage) ratio | 14.0689% | 1,246 |
| Tier 1 risk-based capital ratio | 23.4663% | 1,139 |
| Total risk-based capital ratio | 24.7533% | 1,110 |
| Memoranda: | ||
| Average total assets | $11,535,000 | 8,221 |
| Average earning assets | $10,806,400 | 8,202 |
| Average equity | $2,512,400 | 7,980 |
| Average total loans | $5,881,600 | 8,130 |