Home > Flanagan State Bank > Performance and Condition Ratios
Flanagan State 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 | 4.9337% | 3,218 |
| Cost of funding earning assets | 1.7997% | 2,452 |
| Net interest margin | 3.1340% | 3,141 |
| Noninterest income to average assets | 3.1900% | 183 |
| Noninterest expense to average assets | 6.0097% | 177 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.0228% | 4,143 |
| Return on assets (ROA) | 0.0228% | 4,170 |
| Pretax return on assets | 0.0321% | 4,160 |
| Return on Equity (ROE) | 0.4700% | 4,140 |
| Retained earnings to average equity (ytd only) | -2.5277% | 3,954 |
| Net charge-offs to loans | -0.0502% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 97.9601% | 297 |
| Assets per employee ($millions) | 2.2442% | 4,314 |
| Cash dividends to net income (ytd only)* | 635.2941% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 3,608 |
| Loan loss allowance to noncurrent loans | 95.4600% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 1,362 |
| Noncurrent loans to loans | 0.9432% | 1,135 |
| Net loans and leases to total assets | 57.2900% | 3,102 |
| Net loans and leases to deposits | 61.9634% | 3,384 |
| Net loans and leases to core deposits | 72.0204% | 3,191 |
| Total domestic deposits to total assets | 92.4600% | 198 |
| Equity capital to assets | 4.9349% | 4,377 |
| Core capital (leverage) ratio | 8.5831% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8058% | 1,934 |
| Memoranda: | ||
| Average total assets | $298,849,500 | 2,482 |
| Average earning assets | $277,602,500 | 2,487 |
| Average equity | $14,400,500 | 3,426 |
| Average total loans | $175,357,500 | 2,567 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 3,341 |
| Cost of funding earning assets | 2.0046% | 2,205 |
| Net interest margin | 2.8454% | 3,408 |
| Noninterest income to average assets | 4.4000% | 156 |
| Noninterest expense to average assets | 6.6505% | 159 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.3326% | 3,788 |
| Return on assets (ROA) | 0.3167% | 3,847 |
| Pretax return on assets | 0.3170% | 3,908 |
| Return on Equity (ROE) | 6.6000% | 3,126 |
| Retained earnings to average equity (ytd only) | 3.9078% | 2,672 |
| Net charge-offs to loans | 0.0129% | 2,432 |
| Credit loss provision to net charge-offs | 800.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 53.5238% | 1,180 |
| Efficiency ratio | 94.0140% | 386 |
| Assets per employee ($millions) | 2.2672% | 4,339 |
| Cash dividends to net income (ytd only)* | 40.7852% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 3,736 |
| Loan loss allowance to noncurrent loans | 223.3728% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 2,357 |
| Noncurrent loans to loans | 0.3851% | 2,116 |
| Net loans and leases to total assets | 59.0500% | 3,019 |
| Net loans and leases to deposits | 66.0338% | 3,207 |
| Net loans and leases to core deposits | 77.0847% | 2,969 |
| Total domestic deposits to total assets | 89.4300% | 1,014 |
| Equity capital to assets | 4.6991% | 4,379 |
| Core capital (leverage) ratio | 8.6270% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $289,557,800 | 2,508 |
| Average earning assets | $268,329,600 | 2,510 |
| Average equity | $13,895,400 | 3,425 |
| Average total loans | $162,546,400 | 2,638 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 3,417 |
| Cost of funding earning assets | 1.9593% | 2,314 |
| Net interest margin | 2.8213% | 3,418 |
| Noninterest income to average assets | 4.5500% | 141 |
| Noninterest expense to average assets | 6.7811% | 148 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.3289% | 3,814 |
| Return on assets (ROA) | 0.3076% | 3,882 |
| Pretax return on assets | 0.3080% | 3,936 |
| Return on Equity (ROE) | 6.3800% | 3,216 |
| Retained earnings to average equity (ytd only) | 3.7583% | 2,930 |
| Net charge-offs to loans | 0.0084% | 2,346 |
| Credit loss provision to net charge-offs | 1,150.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 81.9000% | 908 |
| Efficiency ratio | 94.2442% | 392 |
| Assets per employee ($millions) | 2.2191% | 4,374 |
| Cash dividends to net income (ytd only)* | 41.0526% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 3,794 |
| Loan loss allowance to noncurrent loans | 143.9216% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,837 |
| Noncurrent loans to loans | 0.5931% | 1,606 |
| Net loans and leases to total assets | 57.3400% | 3,153 |
| Net loans and leases to deposits | 67.3915% | 3,151 |
| Net loans and leases to core deposits | 78.7582% | 2,891 |
| Total domestic deposits to total assets | 85.0900% | 2,264 |
| Equity capital to assets | 5.4624% | 4,413 |
| Core capital (leverage) ratio | 8.6559% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $288,263,000 | 2,508 |
| Average earning assets | $266,682,000 | 2,514 |
| Average equity | $13,906,750 | 3,433 |
| Average total loans | $159,293,500 | 2,656 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 3,508 |
| Cost of funding earning assets | 1.8303% | 2,551 |
| Net interest margin | 2.8487% | 3,336 |
| Noninterest income to average assets | 4.2200% | 152 |
| Noninterest expense to average assets | 6.2581% | 161 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.5448% | 3,315 |
| Return on assets (ROA) | 0.5126% | 3,428 |
| Pretax return on assets | 0.5133% | 3,605 |
| Return on Equity (ROE) | 11.1400% | 1,836 |
| Retained earnings to average equity (ytd only) | 9.4912% | 980 |
| Net charge-offs to loans | 0.0077% | 2,132 |
| Credit loss provision to net charge-offs | 1,166.6667% | 357 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 624 |
| Efficiency ratio | 90.9063% | 521 |
| Assets per employee ($millions) | 2.1735% | 4,392 |
| Cash dividends to net income (ytd only)* | 14.7743% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 3,805 |
| Loan loss allowance to noncurrent loans | 135.7755% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 1,731 |
| Noncurrent loans to loans | 0.6341% | 1,460 |
| Net loans and leases to total assets | 56.0100% | 3,265 |
| Net loans and leases to deposits | 64.1015% | 3,358 |
| Net loans and leases to core deposits | 74.5243% | 3,128 |
| Total domestic deposits to total assets | 87.3700% | 1,517 |
| Equity capital to assets | 4.4612% | 4,425 |
| Core capital (leverage) ratio | 9.0026% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $285,231,333 | 2,523 |
| Average earning assets | $263,347,667 | 2,521 |
| Average equity | $13,128,000 | 3,488 |
| Average total loans | $155,066,667 | 2,673 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 3,504 |
| Cost of funding earning assets | 1.7205% | 2,717 |
| Net interest margin | 2.8889% | 3,216 |
| Noninterest income to average assets | 3.5700% | 154 |
| Noninterest expense to average assets | 5.8776% | 174 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.3244% | 3,772 |
| Return on assets (ROA) | 0.3244% | 3,795 |
| Pretax return on assets | 0.3258% | 3,886 |
| Return on Equity (ROE) | 6.9400% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.9369% | 1,852 |
| Net charge-offs to loans | 0.0053% | 1,924 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 129.5000% | 576 |
| Efficiency ratio | 93.5535% | 459 |
| Assets per employee ($millions) | 2.0713% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 3,672 |
| Loan loss allowance to noncurrent loans | 78.3662% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 1,017 |
| Noncurrent loans to loans | 1.1586% | 726 |
| Net loans and leases to total assets | 53.8900% | 3,357 |
| Net loans and leases to deposits | 58.3144% | 3,608 |
| Net loans and leases to core deposits | 66.7361% | 3,493 |
| Total domestic deposits to total assets | 92.4100% | 266 |
| Equity capital to assets | 4.5830% | 4,427 |
| Core capital (leverage) ratio | 8.9395% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $281,136,000 | 2,548 |
| Average earning assets | $260,858,500 | 2,539 |
| Average equity | $13,147,000 | 3,495 |
| Average total loans | $149,720,500 | 2,710 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,948 |
| Cost of funding earning assets | 1.0681% | 3,149 |
| Net interest margin | 2.9456% | 3,400 |
| Noninterest income to average assets | 3.7300% | 158 |
| Noninterest expense to average assets | 6.4035% | 163 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.0666% | 4,275 |
| Return on assets (ROA) | 0.0666% | 4,304 |
| Pretax return on assets | 0.0173% | 4,325 |
| Return on Equity (ROE) | 1.5600% | 4,203 |
| Retained earnings to average equity (ytd only) | -1.2205% | 4,203 |
| Net charge-offs to loans | 0.0058% | 2,485 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 20.8750% | 1,847 |
| Efficiency ratio | 98.4913% | 212 |
| Assets per employee ($millions) | 2.1920% | 4,437 |
| Cash dividends to net income (ytd only)* | 178.4530% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,601 |
| Loan loss allowance to noncurrent loans | 234.5955% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 2,188 |
| Noncurrent loans to loans | 0.3973% | 1,791 |
| Net loans and leases to total assets | 51.6400% | 3,503 |
| Net loans and leases to deposits | 56.7652% | 3,676 |
| Net loans and leases to core deposits | 64.7087% | 3,553 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 4.7702% | 4,440 |
| Core capital (leverage) ratio | 8.9932% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $271,695,200 | 2,571 |
| Average earning assets | $252,510,400 | 2,557 |
| Average equity | $11,634,600 | 3,565 |
| Average total loans | $137,539,600 | 2,791 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 4,018 |
| Cost of funding earning assets | 0.8873% | 3,307 |
| Net interest margin | 2.9996% | 3,347 |
| Noninterest income to average assets | 3.7800% | 164 |
| Noninterest expense to average assets | 6.4781% | 165 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.1103% | 4,311 |
| Return on assets (ROA) | 0.1103% | 4,330 |
| Pretax return on assets | 0.0440% | 4,362 |
| Return on Equity (ROE) | 2.6600% | 4,136 |
| Retained earnings to average equity (ytd only) | -0.5001% | 4,212 |
| Net charge-offs to loans | -0.0030% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 98.0937% | 200 |
| Assets per employee ($millions) | 1.9572% | 4,475 |
| Cash dividends to net income (ytd only)* | 118.8341% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,622 |
| Loan loss allowance to noncurrent loans | 140.1460% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,627 |
| Noncurrent loans to loans | 0.6654% | 1,239 |
| Net loans and leases to total assets | 52.1100% | 3,487 |
| Net loans and leases to deposits | 57.7997% | 3,617 |
| Net loans and leases to core deposits | 64.9371% | 3,482 |
| Total domestic deposits to total assets | 90.1600% | 900 |
| Equity capital to assets | 3.3791% | 4,465 |
| Core capital (leverage) ratio | 9.1747% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $269,474,750 | 2,584 |
| Average earning assets | $250,778,750 | 2,571 |
| Average equity | $11,197,250 | 3,602 |
| Average total loans | $135,364,000 | 2,817 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6990% | 4,143 |
| Cost of funding earning assets | 0.6388% | 3,663 |
| Net interest margin | 3.0602% | 3,299 |
| Noninterest income to average assets | 3.7400% | 153 |
| Noninterest expense to average assets | 6.3509% | 163 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.1926% | 4,287 |
| Return on assets (ROA) | 0.1926% | 4,309 |
| Pretax return on assets | 0.1933% | 4,328 |
| Return on Equity (ROE) | 4.3600% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.2592% | 3,408 |
| Net charge-offs to loans | -0.0106% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.8314% | 227 |
| Assets per employee ($millions) | 1.8672% | 4,510 |
| Cash dividends to net income (ytd only)* | 25.1938% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,550 |
| Loan loss allowance to noncurrent loans | 161.7178% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 1,665 |
| Noncurrent loans to loans | 0.5971% | 1,248 |
| Net loans and leases to total assets | 50.6200% | 3,516 |
| Net loans and leases to deposits | 56.1746% | 3,636 |
| Net loans and leases to core deposits | 60.4449% | 3,605 |
| Total domestic deposits to total assets | 90.1100% | 898 |
| Equity capital to assets | 4.3278% | 4,471 |
| Core capital (leverage) ratio | 9.5653% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $267,963,000 | 2,597 |
| Average earning assets | $249,201,667 | 2,584 |
| Average equity | $11,843,333 | 3,550 |
| Average total loans | $132,442,333 | 2,839 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,203 |
| Cost of funding earning assets | 0.4888% | 3,733 |
| Net interest margin | 3.0720% | 3,416 |
| Noninterest income to average assets | 2.8700% | 175 |
| Noninterest expense to average assets | 5.9589% | 183 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | -0.2742% | 4,566 |
| Return on assets (ROA) | -0.2742% | 4,553 |
| Pretax return on assets | -0.2727% | 4,539 |
| Return on Equity (ROE) | -6.1400% | 4,566 |
| Retained earnings to average equity (ytd only) | -6.1400% | 4,370 |
| Net charge-offs to loans | -0.0153% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 103.3281% | 140 |
| Assets per employee ($millions) | 1.8890% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,443 |
| Loan loss allowance to noncurrent loans | 290.9502% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,269 |
| Noncurrent loans to loans | 0.3501% | 1,887 |
| Net loans and leases to total assets | 47.5900% | 3,659 |
| Net loans and leases to deposits | 50.2445% | 3,880 |
| Net loans and leases to core deposits | 52.4572% | 3,893 |
| Total domestic deposits to total assets | 94.7100% | 116 |
| Equity capital to assets | 4.6243% | 4,474 |
| Core capital (leverage) ratio | 9.3560% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $268,437,000 | 2,625 |
| Average earning assets | $249,606,500 | 2,621 |
| Average equity | $11,987,000 | 3,572 |
| Average total loans | $130,422,000 | 2,887 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 3,950 |
| Cost of funding earning assets | 0.2646% | 3,211 |
| Net interest margin | 2.8630% | 3,764 |
| Noninterest income to average assets | 5.3100% | 126 |
| Noninterest expense to average assets | 7.9663% | 135 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 0.1615% | 4,474 |
| Return on assets (ROA) | 0.1615% | 4,458 |
| Pretax return on assets | 0.2244% | 4,424 |
| Return on Equity (ROE) | 2.7800% | 4,318 |
| Retained earnings to average equity (ytd only) | -0.0194% | 4,361 |
| Net charge-offs to loans | -0.5427% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.2365% | 155 |
| Assets per employee ($millions) | 1.9454% | 4,608 |
| Cash dividends to net income (ytd only)* | 100.6993% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,674 |
| Loan loss allowance to noncurrent loans | 276.1589% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,387 |
| Noncurrent loans to loans | 0.3365% | 1,946 |
| Net loans and leases to total assets | 48.6200% | 3,621 |
| Net loans and leases to deposits | 54.0015% | 3,678 |
| Net loans and leases to core deposits | 55.2946% | 3,752 |
| Total domestic deposits to total assets | 90.0300% | 1,352 |
| Equity capital to assets | 4.3135% | 4,484 |
| Core capital (leverage) ratio | 9.2137% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $265,643,600 | 2,634 |
| Average earning assets | $248,686,800 | 2,622 |
| Average equity | $15,445,000 | 3,331 |
| Average total loans | $121,625,000 | 2,902 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 3,872 |
| Cost of funding earning assets | 0.1980% | 3,302 |
| Net interest margin | 2.8113% | 3,714 |
| Noninterest income to average assets | 5.6900% | 126 |
| Noninterest expense to average assets | 8.5500% | 128 |
| Loan and lease loss provision to assets | -0.2800% | 4,703 |
| Net operating income to assets | -0.0025% | 4,604 |
| Return on assets (ROA) | -0.0025% | 4,577 |
| Pretax return on assets | 0.0612% | 4,535 |
| Return on Equity (ROE) | -0.0400% | 4,560 |
| Retained earnings to average equity (ytd only) | -3.5640% | 4,559 |
| Net charge-offs to loans | -0.7186% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 102.1383% | 141 |
| Assets per employee ($millions) | 1.8808% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 3,759 |
| Loan loss allowance to noncurrent loans | 136.4045% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 1,601 |
| Noncurrent loans to loans | 0.6856% | 1,191 |
| Net loans and leases to total assets | 48.5000% | 3,582 |
| Net loans and leases to deposits | 53.8750% | 3,610 |
| Net loans and leases to core deposits | 54.6433% | 3,711 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 3.3836% | 4,556 |
| Core capital (leverage) ratio | 9.2793% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $263,478,500 | 2,663 |
| Average earning assets | $247,138,750 | 2,649 |
| Average equity | $16,348,250 | 3,283 |
| Average total loans | $118,380,000 | 2,944 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8953% | 3,796 |
| Cost of funding earning assets | 0.1750% | 3,250 |
| Net interest margin | 2.7203% | 3,665 |
| Noninterest income to average assets | 5.6613% | 87 |
| Noninterest expense to average assets | 8.6487% | 85 |
| Loan and lease loss provision to assets | -0.4336% | 4,744 |
| Net operating income to assets | -0.0647% | 4,604 |
| Return on assets (ROA) | -0.0647% | 4,575 |
| Pretax return on assets | 0.0008% | 4,539 |
| Return on Equity (ROE) | -0.9039% | 4,589 |
| Retained earnings to average equity (ytd only) | -4.9663% | 4,539 |
| Net charge-offs to loans | -1.1103% | 4,721 |
| Credit loss provision to net charge-offs | 89.6226% | 1,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7407% | 143 |
| Assets per employee ($millions) | 1.5612% | 4,714 |
| Cash dividends to net income (ytd only)* | -449.4118% | 4,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,674 |
| Loan loss allowance to noncurrent loans | 140.9894% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,696 |
| Noncurrent loans to loans | 0.6973% | 1,238 |
| Net loans and leases to total assets | 46.2390% | 3,698 |
| Net loans and leases to deposits | 49.0855% | 3,861 |
| Net loans and leases to core deposits | 49.5282% | 3,956 |
| Total domestic deposits to total assets | 94.2009% | 253 |
| Equity capital to assets | 4.0713% | 4,615 |
| Core capital (leverage) ratio | 9.3553% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,908,000 | 2,691 |
| Average earning assets | $246,884,333 | 2,687 |
| Average equity | $18,806,667 | 3,162 |
| Average total loans | $114,567,333 | 3,010 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7995% | 3,746 |
| Cost of funding earning assets | 0.1705% | 3,212 |
| Net interest margin | 2.6290% | 3,591 |
| Noninterest income to average assets | 5.8470% | 88 |
| Noninterest expense to average assets | 8.6531% | 84 |
| Loan and lease loss provision to assets | -0.8788% | 4,779 |
| Net operating income to assets | 0.5091% | 3,686 |
| Return on assets (ROA) | 0.5091% | 3,654 |
| Pretax return on assets | 0.5258% | 3,820 |
| Return on Equity (ROE) | 5.8684% | 3,379 |
| Retained earnings to average equity (ytd only) | 1.5020% | 3,693 |
| Net charge-offs to loans | -2.2816% | 4,757 |
| Credit loss provision to net charge-offs | 91.6272% | 1,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7422% | 192 |
| Assets per employee ($millions) | 1.4427% | 4,745 |
| Cash dividends to net income (ytd only)* | 74.4048% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,539 |
| Loan loss allowance to noncurrent loans | 161.9699% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 2,026 |
| Noncurrent loans to loans | 0.6466% | 1,456 |
| Net loans and leases to total assets | 42.1435% | 3,872 |
| Net loans and leases to deposits | 45.7809% | 3,990 |
| Net loans and leases to core deposits | 46.0369% | 4,070 |
| Total domestic deposits to total assets | 92.0548% | 556 |
| Equity capital to assets | 7.1651% | 4,117 |
| Core capital (leverage) ratio | 9.7239% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,998,000 | 2,697 |
| Average earning assets | $246,333,500 | 2,700 |
| Average equity | $22,902,500 | 2,914 |
| Average total loans | $110,973,500 | 3,048 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 3,680 |
| Cost of funding earning assets | 0.2648% | 2,758 |
| Net interest margin | 2.8371% | 3,591 |
| Noninterest income to average assets | 10.4717% | 60 |
| Noninterest expense to average assets | 11.1141% | 65 |
| Loan and lease loss provision to assets | 0.0970% | 1,282 |
| Net operating income to assets | 1.7621% | 555 |
| Return on assets (ROA) | 1.7621% | 581 |
| Pretax return on assets | 1.8935% | 732 |
| Return on Equity (ROE) | 15.9872% | 765 |
| Retained earnings to average equity (ytd only) | 6.0846% | 2,328 |
| Net charge-offs to loans | 0.0749% | 1,044 |
| Credit loss provision to net charge-offs | 285.7143% | 1,093 |
| Earnings coverage of net charge-offs (x) | 58.6190% | 1,196 |
| Efficiency ratio | 84.4433% | 552 |
| Assets per employee ($millions) | 1.4347% | 4,788 |
| Cash dividends to net income (ytd only)* | 61.9408% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,605 |
| Loan loss allowance to noncurrent loans | 107.7143% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 1,633 |
| Noncurrent loans to loans | 0.9643% | 1,040 |
| Net loans and leases to total assets | 41.0450% | 4,028 |
| Net loans and leases to deposits | 46.0859% | 4,086 |
| Net loans and leases to core deposits | 46.3062% | 4,171 |
| Total domestic deposits to total assets | 89.0619% | 1,480 |
| Equity capital to assets | 10.2022% | 2,470 |
| Core capital (leverage) ratio | 10.2852% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,371,400 | 2,744 |
| Average earning assets | $229,569,400 | 2,751 |
| Average equity | $27,265,600 | 2,702 |
| Average total loans | $112,139,200 | 3,043 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 3,530 |
| Cost of funding earning assets | 0.2869% | 2,727 |
| Net interest margin | 2.9536% | 3,432 |
| Noninterest income to average assets | 11.3433% | 60 |
| Noninterest expense to average assets | 11.4298% | 61 |
| Loan and lease loss provision to assets | 0.0985% | 1,212 |
| Net operating income to assets | 2.4780% | 219 |
| Return on assets (ROA) | 2.4780% | 224 |
| Pretax return on assets | 2.5590% | 307 |
| Return on Equity (ROE) | 22.0401% | 303 |
| Retained earnings to average equity (ytd only) | 11.3292% | 986 |
| Net charge-offs to loans | 0.0590% | 1,051 |
| Credit loss provision to net charge-offs | 360.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 97.1000% | 885 |
| Efficiency ratio | 80.7896% | 706 |
| Assets per employee ($millions) | 1.3665% | 4,864 |
| Cash dividends to net income (ytd only)* | 48.5973% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,770 |
| Loan loss allowance to noncurrent loans | 101.2832% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 1,710 |
| Noncurrent loans to loans | 1.0089% | 1,140 |
| Net loans and leases to total assets | 43.2739% | 4,003 |
| Net loans and leases to deposits | 49.3135% | 4,042 |
| Net loans and leases to core deposits | 49.7529% | 4,156 |
| Total domestic deposits to total assets | 87.7528% | 1,973 |
| Equity capital to assets | 11.4815% | 1,696 |
| Core capital (leverage) ratio | 10.9145% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,579,000 | 2,792 |
| Average earning assets | $226,291,500 | 2,791 |
| Average equity | $27,385,750 | 2,713 |
| Average total loans | $112,951,250 | 3,069 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 3,984 |
| Cost of funding earning assets | 0.3100% | 2,676 |
| Net interest margin | 2.7211% | 3,940 |
| Noninterest income to average assets | 11.6362% | 57 |
| Noninterest expense to average assets | 11.5108% | 60 |
| Loan and lease loss provision to assets | 0.0990% | 1,278 |
| Net operating income to assets | 2.4397% | 239 |
| Return on assets (ROA) | 2.4397% | 256 |
| Pretax return on assets | 2.5544% | 325 |
| Return on Equity (ROE) | 21.8569% | 329 |
| Retained earnings to average equity (ytd only) | 10.0264% | 1,384 |
| Net charge-offs to loans | 0.0559% | 1,062 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 100.4688% | 748 |
| Efficiency ratio | 80.9171% | 730 |
| Assets per employee ($millions) | 1.3704% | 4,903 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,944 |
| Loan loss allowance to noncurrent loans | 86.2125% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,690 |
| Noncurrent loans to loans | 1.1206% | 1,075 |
| Net loans and leases to total assets | 43.6871% | 4,059 |
| Net loans and leases to deposits | 49.4572% | 4,138 |
| Net loans and leases to core deposits | 49.8798% | 4,239 |
| Total domestic deposits to total assets | 88.3333% | 1,655 |
| Equity capital to assets | 10.8292% | 2,122 |
| Core capital (leverage) ratio | 10.4102% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,329,000 | 2,797 |
| Average earning assets | $225,130,000 | 2,794 |
| Average equity | $27,048,667 | 2,732 |
| Average total loans | $114,557,000 | 3,061 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 3,832 |
| Cost of funding earning assets | 0.3481% | 2,538 |
| Net interest margin | 2.7809% | 3,807 |
| Noninterest income to average assets | 13.1114% | 56 |
| Noninterest expense to average assets | 12.0980% | 57 |
| Loan and lease loss provision to assets | 0.1005% | 1,343 |
| Net operating income to assets | 3.2783% | 123 |
| Return on assets (ROA) | 3.2783% | 134 |
| Pretax return on assets | 3.4826% | 148 |
| Return on Equity (ROE) | 28.9198% | 160 |
| Retained earnings to average equity (ytd only) | 23.0087% | 182 |
| Net charge-offs to loans | -0.0068% | 3,518 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8294% | 1,053 |
| Assets per employee ($millions) | 1.3869% | 4,931 |
| Cash dividends to net income (ytd only)* | 20.4394% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,053 |
| Loan loss allowance to noncurrent loans | 78.5606% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 1,714 |
| Noncurrent loans to loans | 1.1949% | 1,102 |
| Net loans and leases to total assets | 44.0805% | 4,106 |
| Net loans and leases to deposits | 49.8819% | 4,164 |
| Net loans and leases to core deposits | 50.3775% | 4,282 |
| Total domestic deposits to total assets | 88.3697% | 1,668 |
| Equity capital to assets | 10.9161% | 1,928 |
| Core capital (leverage) ratio | 10.6591% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,784,000 | 2,809 |
| Average earning assets | $220,651,000 | 2,815 |
| Average equity | $27,068,000 | 2,730 |
| Average total loans | $116,822,000 | 3,042 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 3,818 |
| Cost of funding earning assets | 0.6122% | 2,226 |
| Net interest margin | 2.9866% | 3,917 |
| Noninterest income to average assets | 16.2982% | 48 |
| Noninterest expense to average assets | 14.4774% | 50 |
| Loan and lease loss provision to assets | 0.3359% | 1,047 |
| Net operating income to assets | 4.1824% | 53 |
| Return on assets (ROA) | 4.1824% | 54 |
| Pretax return on assets | 4.2073% | 68 |
| Return on Equity (ROE) | 37.4474% | 39 |
| Retained earnings to average equity (ytd only) | 22.3473% | 51 |
| Net charge-offs to loans | 0.2191% | 793 |
| Credit loss provision to net charge-offs | 253.6232% | 1,922 |
| Earnings coverage of net charge-offs (x) | 34.3080% | 1,495 |
| Efficiency ratio | 75.8141% | 1,254 |
| Assets per employee ($millions) | 1.3411% | 4,955 |
| Cash dividends to net income (ytd only)* | 40.3235% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 4,441 |
| Loan loss allowance to noncurrent loans | 46.8300% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 1,033 |
| Noncurrent loans to loans | 1.6902% | 762 |
| Net loans and leases to total assets | 53.2893% | 3,549 |
| Net loans and leases to deposits | 61.8198% | 3,618 |
| Net loans and leases to core deposits | 62.7551% | 3,787 |
| Total domestic deposits to total assets | 86.2009% | 2,275 |
| Equity capital to assets | 11.7901% | 1,686 |
| Core capital (leverage) ratio | 11.0278% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,422,000 | 2,875 |
| Average earning assets | $189,984,400 | 2,910 |
| Average equity | $23,278,000 | 2,920 |
| Average total loans | $125,986,800 | 2,910 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 3,723 |
| Cost of funding earning assets | 0.6713% | 2,194 |
| Net interest margin | 3.0603% | 3,841 |
| Noninterest income to average assets | 15.8246% | 47 |
| Noninterest expense to average assets | 14.2091% | 53 |
| Loan and lease loss provision to assets | 0.3214% | 1,231 |
| Net operating income to assets | 4.0452% | 51 |
| Return on assets (ROA) | 4.0452% | 52 |
| Pretax return on assets | 4.0787% | 63 |
| Return on Equity (ROE) | 36.7969% | 39 |
| Retained earnings to average equity (ytd only) | 29.4853% | 35 |
| Net charge-offs to loans | 0.1179% | 1,184 |
| Credit loss provision to net charge-offs | 437.5000% | 1,389 |
| Earnings coverage of net charge-offs (x) | 59.8750% | 1,101 |
| Efficiency ratio | 76.0410% | 1,202 |
| Assets per employee ($millions) | 1.2662% | 4,989 |
| Cash dividends to net income (ytd only)* | 19.8702% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,567 |
| Loan loss allowance to noncurrent loans | 42.4977% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 1,039 |
| Noncurrent loans to loans | 1.6659% | 831 |
| Net loans and leases to total assets | 60.5297% | 3,161 |
| Net loans and leases to deposits | 70.0462% | 3,313 |
| Net loans and leases to core deposits | 71.0961% | 3,550 |
| Total domestic deposits to total assets | 86.4140% | 1,891 |
| Equity capital to assets | 12.3563% | 1,486 |
| Core capital (leverage) ratio | 11.4766% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,197,500 | 2,892 |
| Average earning assets | $184,899,750 | 2,935 |
| Average equity | $22,338,250 | 2,983 |
| Average total loans | $126,689,000 | 2,911 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,741 |
| Cost of funding earning assets | 0.7233% | 2,270 |
| Net interest margin | 3.1272% | 3,843 |
| Noninterest income to average assets | 12.9975% | 52 |
| Noninterest expense to average assets | 13.4373% | 53 |
| Loan and lease loss provision to assets | 0.1807% | 2,218 |
| Net operating income to assets | 2.1609% | 234 |
| Return on assets (ROA) | 2.1609% | 259 |
| Pretax return on assets | 2.2101% | 358 |
| Return on Equity (ROE) | 20.5753% | 220 |
| Retained earnings to average equity (ytd only) | 16.5118% | 153 |
| Net charge-offs to loans | 0.1278% | 1,072 |
| Credit loss provision to net charge-offs | 225.0000% | 1,820 |
| Earnings coverage of net charge-offs (x) | 29.7625% | 1,442 |
| Efficiency ratio | 84.5207% | 608 |
| Assets per employee ($millions) | 1.3010% | 5,018 |
| Cash dividends to net income (ytd only)* | 19.7491% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6126% | 4,727 |
| Loan loss allowance to noncurrent loans | 47.1722% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,518 |
| Noncurrent loans to loans | 1.2987% | 1,197 |
| Net loans and leases to total assets | 58.7898% | 3,442 |
| Net loans and leases to deposits | 66.8823% | 3,653 |
| Net loans and leases to core deposits | 68.5912% | 3,825 |
| Total domestic deposits to total assets | 87.9004% | 1,234 |
| Equity capital to assets | 11.1051% | 2,245 |
| Core capital (leverage) ratio | 10.2554% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,177,333 | 2,910 |
| Average earning assets | $180,290,667 | 2,954 |
| Average equity | $20,918,333 | 3,085 |
| Average total loans | $125,213,333 | 2,916 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,747 |
| Cost of funding earning assets | 0.7645% | 2,585 |
| Net interest margin | 3.2514% | 3,723 |
| Noninterest income to average assets | 8.2343% | 67 |
| Noninterest expense to average assets | 11.3425% | 69 |
| Loan and lease loss provision to assets | 0.1237% | 2,148 |
| Net operating income to assets | -0.3772% | 4,905 |
| Return on assets (ROA) | -0.3772% | 4,878 |
| Pretax return on assets | -0.2865% | 4,844 |
| Return on Equity (ROE) | -3.7016% | 4,893 |
| Retained earnings to average equity (ytd only) | -3.7016% | 4,416 |
| Net charge-offs to loans | 0.0698% | 1,332 |
| Credit loss provision to net charge-offs | 272.7273% | 1,240 |
| Earnings coverage of net charge-offs (x) | -3.5909% | 2,511 |
| Efficiency ratio | 100.9034% | 224 |
| Assets per employee ($millions) | 1.2163% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 4,570 |
| Loan loss allowance to noncurrent loans | 57.6005% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 1,502 |
| Noncurrent loans to loans | 1.2548% | 1,301 |
| Net loans and leases to total assets | 63.9274% | 3,075 |
| Net loans and leases to deposits | 72.2616% | 3,412 |
| Net loans and leases to core deposits | 73.9705% | 3,635 |
| Total domestic deposits to total assets | 88.4666% | 901 |
| Equity capital to assets | 9.7089% | 4,032 |
| Core capital (leverage) ratio | 9.8868% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,067,000 | 2,916 |
| Average earning assets | $175,801,500 | 2,961 |
| Average equity | $19,775,000 | 3,190 |
| Average total loans | $126,009,500 | 2,888 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 3,694 |
| Cost of funding earning assets | 0.6807% | 3,259 |
| Net interest margin | 3.5656% | 3,243 |
| Noninterest income to average assets | 10.1940% | 56 |
| Noninterest expense to average assets | 11.5059% | 59 |
| Loan and lease loss provision to assets | 0.1815% | 1,139 |
| Net operating income to assets | 1.7338% | 614 |
| Return on assets (ROA) | 1.7100% | 689 |
| Pretax return on assets | 1.7202% | 1,137 |
| Return on Equity (ROE) | 16.7782% | 444 |
| Retained earnings to average equity (ytd only) | 8.3996% | 857 |
| Net charge-offs to loans | 0.1942% | 1,042 |
| Credit loss provision to net charge-offs | 147.8261% | 1,743 |
| Earnings coverage of net charge-offs (x) | 15.6870% | 2,215 |
| Efficiency ratio | 85.2142% | 591 |
| Assets per employee ($millions) | 1.1869% | 5,126 |
| Cash dividends to net income (ytd only)* | 49.9376% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,568 |
| Loan loss allowance to noncurrent loans | 49.2713% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 1,222 |
| Noncurrent loans to loans | 1.4256% | 1,028 |
| Net loans and leases to total assets | 65.0258% | 3,069 |
| Net loans and leases to deposits | 73.8329% | 3,369 |
| Net loans and leases to core deposits | 75.1606% | 3,639 |
| Total domestic deposits to total assets | 88.0716% | 1,101 |
| Equity capital to assets | 10.6856% | 3,269 |
| Core capital (leverage) ratio | 10.1443% | 3,362 |
| Tier 1 risk-based capital ratio | 13.8526% | 3,338 |
| Total risk-based capital ratio | 14.6558% | 3,458 |
| Memoranda: | ||
| Average total assets | $187,365,400 | 2,942 |
| Average earning assets | $170,123,800 | 2,985 |
| Average equity | $19,096,200 | 3,215 |
| Average total loans | $118,413,600 | 2,961 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 3,876 |
| Cost of funding earning assets | 0.6521% | 3,444 |
| Net interest margin | 3.5695% | 3,334 |
| Noninterest income to average assets | 9.9522% | 57 |
| Noninterest expense to average assets | 11.1780% | 62 |
| Loan and lease loss provision to assets | 0.2002% | 877 |
| Net operating income to assets | 1.8098% | 601 |
| Return on assets (ROA) | 1.7808% | 671 |
| Pretax return on assets | 1.7936% | 1,109 |
| Return on Equity (ROE) | 17.6919% | 421 |
| Retained earnings to average equity (ytd only) | 11.2972% | 471 |
| Net charge-offs to loans | 0.1885% | 910 |
| Credit loss provision to net charge-offs | 169.6970% | 1,493 |
| Earnings coverage of net charge-offs (x) | 17.1458% | 2,109 |
| Efficiency ratio | 84.1866% | 605 |
| Assets per employee ($millions) | 1.1309% | 5,208 |
| Cash dividends to net income (ytd only)* | 36.1445% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 4,670 |
| Loan loss allowance to noncurrent loans | 42.7466% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 998 |
| Noncurrent loans to loans | 1.6306% | 905 |
| Net loans and leases to total assets | 67.0834% | 2,916 |
| Net loans and leases to deposits | 76.1482% | 3,280 |
| Net loans and leases to core deposits | 77.4235% | 3,596 |
| Total domestic deposits to total assets | 88.0958% | 998 |
| Equity capital to assets | 10.8197% | 3,276 |
| Core capital (leverage) ratio | 10.4064% | 3,188 |
| Tier 1 risk-based capital ratio | 14.7969% | 2,956 |
| Total risk-based capital ratio | 15.7198% | 3,010 |
| Memoranda: | ||
| Average total assets | $186,432,250 | 2,976 |
| Average earning assets | $169,691,250 | 3,014 |
| Average equity | $18,765,250 | 3,274 |
| Average total loans | $116,731,500 | 3,006 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 4,021 |
| Cost of funding earning assets | 0.6204% | 3,549 |
| Net interest margin | 3.5393% | 3,472 |
| Noninterest income to average assets | 8.9130% | 60 |
| Noninterest expense to average assets | 10.4882% | 66 |
| Loan and lease loss provision to assets | 0.1290% | 1,446 |
| Net operating income to assets | 1.4977% | 1,158 |
| Return on assets (ROA) | 1.4807% | 1,250 |
| Pretax return on assets | 1.4989% | 1,864 |
| Return on Equity (ROE) | 15.0907% | 740 |
| Retained earnings to average equity (ytd only) | 9.6111% | 879 |
| Net charge-offs to loans | 0.1182% | 1,246 |
| Credit loss provision to net charge-offs | 179.1045% | 1,318 |
| Earnings coverage of net charge-offs (x) | 22.8358% | 1,675 |
| Efficiency ratio | 85.9713% | 550 |
| Assets per employee ($millions) | 1.1210% | 5,255 |
| Cash dividends to net income (ytd only)* | 36.3108% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,683 |
| Loan loss allowance to noncurrent loans | 37.2283% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 827 |
| Noncurrent loans to loans | 1.9154% | 764 |
| Net loans and leases to total assets | 63.0267% | 3,445 |
| Net loans and leases to deposits | 71.3830% | 3,730 |
| Net loans and leases to core deposits | 72.5113% | 3,975 |
| Total domestic deposits to total assets | 88.2938% | 970 |
| Equity capital to assets | 10.7177% | 3,328 |
| Core capital (leverage) ratio | 10.0412% | 3,544 |
| Tier 1 risk-based capital ratio | 15.1305% | 2,777 |
| Total risk-based capital ratio | 16.0669% | 2,836 |
| Memoranda: | ||
| Average total assets | $185,999,000 | 2,989 |
| Average earning assets | $169,243,670 | 3,033 |
| Average equity | $18,249,670 | 3,326 |
| Average total loans | $113,368,330 | 3,081 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 4,294 |
| Cost of funding earning assets | 0.5752% | 3,701 |
| Net interest margin | 3.4584% | 3,719 |
| Noninterest income to average assets | 7.6344% | 64 |
| Noninterest expense to average assets | 9.6195% | 66 |
| Loan and lease loss provision to assets | 0.1275% | 1,370 |
| Net operating income to assets | 0.9968% | 2,854 |
| Return on assets (ROA) | 0.9968% | 2,893 |
| Pretax return on assets | 1.0308% | 3,342 |
| Return on Equity (ROE) | 10.6331% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.6331% | 895 |
| Net charge-offs to loans | -0.0036% | 3,947 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7202% | 449 |
| Assets per employee ($millions) | 1.1888% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 4,687 |
| Loan loss allowance to noncurrent loans | 51.7134% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 1,332 |
| Noncurrent loans to loans | 1.4331% | 1,132 |
| Net loans and leases to total assets | 58.8120% | 3,803 |
| Net loans and leases to deposits | 67.7464% | 3,946 |
| Net loans and leases to core deposits | 68.7894% | 4,143 |
| Total domestic deposits to total assets | 86.8121% | 1,905 |
| Equity capital to assets | 9.6390% | 4,140 |
| Core capital (leverage) ratio | 9.7053% | 3,912 |
| Tier 1 risk-based capital ratio | 14.7858% | 2,971 |
| Total risk-based capital ratio | 15.7014% | 3,048 |
| Memoranda: | ||
| Average total assets | $188,200,500 | 3,008 |
| Average earning assets | $171,060,500 | 3,041 |
| Average equity | $17,643,000 | 3,390 |
| Average total loans | $112,414,500 | 3,127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 4,165 |
| Cost of funding earning assets | 0.4996% | 3,363 |
| Net interest margin | 3.4518% | 3,852 |
| Noninterest income to average assets | 6.9705% | 70 |
| Noninterest expense to average assets | 9.3312% | 70 |
| Loan and lease loss provision to assets | 0.1112% | 1,984 |
| Net operating income to assets | 0.6598% | 4,259 |
| Return on assets (ROA) | 0.6713% | 4,237 |
| Pretax return on assets | 0.6825% | 4,451 |
| Return on Equity (ROE) | 7.5343% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.0353% | 3,880 |
| Net charge-offs to loans | 0.4399% | 414 |
| Credit loss provision to net charge-offs | 43.9746% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.0930% | 3,449 |
| Efficiency ratio | 92.2313% | 274 |
| Assets per employee ($millions) | 1.1496% | 5,357 |
| Cash dividends to net income (ytd only)* | 59.7134% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,840 |
| Loan loss allowance to noncurrent loans | 37.4391% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 952 |
| Noncurrent loans to loans | 1.8203% | 777 |
| Net loans and leases to total assets | 59.8051% | 3,800 |
| Net loans and leases to deposits | 68.7388% | 3,920 |
| Net loans and leases to core deposits | 69.6315% | 4,133 |
| Total domestic deposits to total assets | 87.0034% | 1,785 |
| Equity capital to assets | 9.1079% | 4,481 |
| Core capital (leverage) ratio | 9.4412% | 4,183 |
| Tier 1 risk-based capital ratio | 14.4745% | 3,074 |
| Total risk-based capital ratio | 15.3267% | 3,190 |
| Memoranda: | ||
| Average total assets | $187,103,800 | 2,986 |
| Average earning assets | $170,346,000 | 3,021 |
| Average equity | $16,670,400 | 3,441 |
| Average total loans | $107,519,600 | 3,180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 4,231 |
| Cost of funding earning assets | 0.4819% | 3,320 |
| Net interest margin | 3.4108% | 3,973 |
| Noninterest income to average assets | 6.8407% | 74 |
| Noninterest expense to average assets | 9.2509% | 71 |
| Loan and lease loss provision to assets | 0.1055% | 1,901 |
| Net operating income to assets | 0.5777% | 4,559 |
| Return on assets (ROA) | 0.5931% | 4,529 |
| Pretax return on assets | 0.6081% | 4,717 |
| Return on Equity (ROE) | 6.6942% | 4,038 |
| Retained earnings to average equity (ytd only) | 2.8724% | 4,283 |
| Net charge-offs to loans | 0.5612% | 265 |
| Credit loss provision to net charge-offs | 33.1096% | 2,952 |
| Earnings coverage of net charge-offs (x) | 2.1901% | 3,270 |
| Efficiency ratio | 92.9493% | 260 |
| Assets per employee ($millions) | 1.1905% | 5,427 |
| Cash dividends to net income (ytd only)* | 57.0913% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 4,932 |
| Loan loss allowance to noncurrent loans | 46.5190% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 1,353 |
| Noncurrent loans to loans | 1.4398% | 1,146 |
| Net loans and leases to total assets | 58.3174% | 4,005 |
| Net loans and leases to deposits | 66.6139% | 4,155 |
| Net loans and leases to core deposits | 67.6168% | 4,317 |
| Total domestic deposits to total assets | 87.5453% | 1,463 |
| Equity capital to assets | 8.7556% | 4,758 |
| Core capital (leverage) ratio | 9.6214% | 4,027 |
| Tier 1 risk-based capital ratio | 14.6234% | 3,056 |
| Total risk-based capital ratio | 15.4417% | 3,188 |
| Memoranda: | ||
| Average total assets | $187,033,000 | 3,016 |
| Average earning assets | $170,435,250 | 3,047 |
| Average equity | $16,571,250 | 3,475 |
| Average total loans | $106,190,500 | 3,228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 4,260 |
| Cost of funding earning assets | 0.4583% | 3,299 |
| Net interest margin | 3.3752% | 4,035 |
| Noninterest income to average assets | 6.3290% | 79 |
| Noninterest expense to average assets | 9.1130% | 76 |
| Loan and lease loss provision to assets | 0.0855% | 2,203 |
| Net operating income to assets | 0.1948% | 5,236 |
| Return on assets (ROA) | 0.2160% | 5,210 |
| Pretax return on assets | 0.2405% | 5,209 |
| Return on Equity (ROE) | 2.4279% | 5,110 |
| Retained earnings to average equity (ytd only) | -0.8774% | 5,060 |
| Net charge-offs to loans | 0.7866% | 175 |
| Credit loss provision to net charge-offs | 19.3705% | 2,689 |
| Earnings coverage of net charge-offs (x) | 0.6852% | 3,117 |
| Efficiency ratio | 96.7526% | 212 |
| Assets per employee ($millions) | 1.2383% | 5,489 |
| Cash dividends to net income (ytd only)* | 136.1386% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,983 |
| Loan loss allowance to noncurrent loans | 42.6399% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 1,248 |
| Noncurrent loans to loans | 1.5952% | 1,019 |
| Net loans and leases to total assets | 56.2352% | 4,145 |
| Net loans and leases to deposits | 62.3354% | 4,400 |
| Net loans and leases to core deposits | 63.3673% | 4,531 |
| Total domestic deposits to total assets | 90.2139% | 498 |
| Equity capital to assets | 8.8994% | 4,640 |
| Core capital (leverage) ratio | 9.2714% | 4,391 |
| Tier 1 risk-based capital ratio | 14.5955% | 3,072 |
| Total risk-based capital ratio | 15.3890% | 3,209 |
| Memoranda: | ||
| Average total assets | $187,074,000 | 3,027 |
| Average earning assets | $171,072,330 | 3,053 |
| Average equity | $16,640,000 | 3,480 |
| Average total loans | $105,008,670 | 3,249 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,434 |
| Cost of funding earning assets | 0.4456% | 3,235 |
| Net interest margin | 3.2713% | 4,260 |
| Noninterest income to average assets | 5.4114% | 94 |
| Noninterest expense to average assets | 8.5781% | 85 |
| Loan and lease loss provision to assets | 0.0422% | 2,911 |
| Net operating income to assets | -0.2236% | 5,453 |
| Return on assets (ROA) | -0.2236% | 5,447 |
| Pretax return on assets | -0.2194% | 5,444 |
| Return on Equity (ROE) | -2.5148% | 5,458 |
| Retained earnings to average equity (ytd only) | -2.5148% | 5,050 |
| Net charge-offs to loans | 1.5550% | 88 |
| Credit loss provision to net charge-offs | 4.8544% | 2,189 |
| Earnings coverage of net charge-offs (x) | -0.2039% | 2,662 |
| Efficiency ratio | 102.0844% | 155 |
| Assets per employee ($millions) | 1.3610% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 5,135 |
| Loan loss allowance to noncurrent loans | 54.6848% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 1,789 |
| Noncurrent loans to loans | 1.1488% | 1,586 |
| Net loans and leases to total assets | 54.0702% | 4,275 |
| Net loans and leases to deposits | 59.7157% | 4,496 |
| Net loans and leases to core deposits | 61.5239% | 4,580 |
| Total domestic deposits to total assets | 90.5460% | 459 |
| Equity capital to assets | 8.6867% | 4,828 |
| Core capital (leverage) ratio | 9.6236% | 3,935 |
| Tier 1 risk-based capital ratio | 14.8819% | 2,931 |
| Total risk-based capital ratio | 15.5784% | 3,128 |
| Memoranda: | ||
| Average total assets | $189,599,500 | 3,038 |
| Average earning assets | $173,266,500 | 3,059 |
| Average equity | $16,860,500 | 3,491 |
| Average total loans | $105,982,000 | 3,265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,043 |
| Cost of funding earning assets | 0.4465% | 2,810 |
| Net interest margin | 3.3568% | 3,985 |
| Noninterest income to average assets | 6.0757% | 90 |
| Noninterest expense to average assets | 8.2769% | 88 |
| Loan and lease loss provision to assets | 0.1074% | 2,089 |
| Net operating income to assets | 0.7070% | 3,573 |
| Return on assets (ROA) | 0.7641% | 3,362 |
| Pretax return on assets | 0.7935% | 4,262 |
| Return on Equity (ROE) | 8.0174% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.2948% | 3,944 |
| Net charge-offs to loans | 0.2565% | 1,019 |
| Credit loss provision to net charge-offs | 70.8633% | 3,080 |
| Earnings coverage of net charge-offs (x) | 5.5504% | 3,309 |
| Efficiency ratio | 90.7112% | 395 |
| Assets per employee ($millions) | 1.3868% | 5,608 |
| Cash dividends to net income (ytd only)* | 71.3776% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,264 |
| Loan loss allowance to noncurrent loans | 66.2821% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 1,389 |
| Noncurrent loans to loans | 1.4212% | 1,207 |
| Net loans and leases to total assets | 56.8156% | 4,121 |
| Net loans and leases to deposits | 65.8144% | 4,203 |
| Net loans and leases to core deposits | 67.7821% | 4,311 |
| Total domestic deposits to total assets | 86.3270% | 2,306 |
| Equity capital to assets | 9.0948% | 4,620 |
| Core capital (leverage) ratio | 9.8157% | 3,681 |
| Tier 1 risk-based capital ratio | 13.2182% | 3,779 |
| Total risk-based capital ratio | 14.1131% | 3,889 |
| Memoranda: | ||
| Average total assets | $183,353,600 | 3,078 |
| Average earning assets | $166,198,200 | 3,126 |
| Average equity | $17,474,400 | 3,434 |
| Average total loans | $108,379,600 | 3,209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 3,925 |
| Cost of funding earning assets | 0.4424% | 2,785 |
| Net interest margin | 3.3813% | 3,913 |
| Noninterest income to average assets | 6.1060% | 94 |
| Noninterest expense to average assets | 8.2911% | 93 |
| Loan and lease loss provision to assets | 0.0971% | 2,164 |
| Net operating income to assets | 0.7305% | 3,815 |
| Return on assets (ROA) | 0.8051% | 3,548 |
| Pretax return on assets | 0.8661% | 4,152 |
| Return on Equity (ROE) | 8.3467% | 2,957 |
| Retained earnings to average equity (ytd only) | 2.6298% | 4,317 |
| Net charge-offs to loans | 0.2283% | 948 |
| Credit loss provision to net charge-offs | 71.3514% | 2,686 |
| Earnings coverage of net charge-offs (x) | 6.4919% | 2,982 |
| Efficiency ratio | 90.3109% | 401 |
| Assets per employee ($millions) | 1.3158% | 5,676 |
| Cash dividends to net income (ytd only)* | 68.4937% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,188 |
| Loan loss allowance to noncurrent loans | 59.5291% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 1,277 |
| Noncurrent loans to loans | 1.6453% | 1,118 |
| Net loans and leases to total assets | 58.7065% | 3,991 |
| Net loans and leases to deposits | 66.2737% | 4,233 |
| Net loans and leases to core deposits | 68.2842% | 4,348 |
| Total domestic deposits to total assets | 88.5818% | 1,081 |
| Equity capital to assets | 9.7970% | 4,155 |
| Core capital (leverage) ratio | 9.9216% | 3,670 |
| Tier 1 risk-based capital ratio | 13.9380% | 3,474 |
| Total risk-based capital ratio | 14.8777% | 3,552 |
| Memoranda: | ||
| Average total assets | $181,346,000 | 3,122 |
| Average earning assets | $164,546,500 | 3,178 |
| Average equity | $17,491,500 | 3,464 |
| Average total loans | $108,032,000 | 3,239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,933 |
| Cost of funding earning assets | 0.4308% | 2,798 |
| Net interest margin | 3.3573% | 3,922 |
| Noninterest income to average assets | 5.7004% | 104 |
| Noninterest expense to average assets | 7.9765% | 94 |
| Loan and lease loss provision to assets | 0.0741% | 2,490 |
| Net operating income to assets | 0.6238% | 4,189 |
| Return on assets (ROA) | 0.7311% | 3,764 |
| Pretax return on assets | 0.8218% | 4,196 |
| Return on Equity (ROE) | 7.6199% | 3,236 |
| Retained earnings to average equity (ytd only) | 1.8560% | 4,502 |
| Net charge-offs to loans | 0.2558% | 800 |
| Credit loss provision to net charge-offs | 48.5507% | 2,582 |
| Earnings coverage of net charge-offs (x) | 5.0797% | 2,860 |
| Efficiency ratio | 91.0780% | 397 |
| Assets per employee ($millions) | 1.4008% | 5,726 |
| Cash dividends to net income (ytd only)* | 75.6430% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,327 |
| Loan loss allowance to noncurrent loans | 59.0498% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 1,276 |
| Noncurrent loans to loans | 1.6421% | 1,119 |
| Net loans and leases to total assets | 59.0054% | 3,922 |
| Net loans and leases to deposits | 65.8764% | 4,229 |
| Net loans and leases to core deposits | 67.8860% | 4,358 |
| Total domestic deposits to total assets | 89.5698% | 705 |
| Equity capital to assets | 9.8801% | 4,048 |
| Core capital (leverage) ratio | 9.9268% | 3,623 |
| Tier 1 risk-based capital ratio | 13.8972% | 3,476 |
| Total risk-based capital ratio | 14.8157% | 3,578 |
| Memoranda: | ||
| Average total assets | $180,830,330 | 3,145 |
| Average earning assets | $164,358,670 | 3,185 |
| Average equity | $17,349,330 | 3,490 |
| Average total loans | $107,898,670 | 3,252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 3,911 |
| Cost of funding earning assets | 0.4215% | 2,802 |
| Net interest margin | 3.3356% | 3,902 |
| Noninterest income to average assets | 5.2516% | 107 |
| Noninterest expense to average assets | 7.9360% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2449% | 5,313 |
| Return on assets (ROA) | 0.2720% | 5,274 |
| Pretax return on assets | 0.3803% | 5,196 |
| Return on Equity (ROE) | 2.8776% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.8776% | 3,977 |
| Net charge-offs to loans | 0.1370% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.1892% | 2,409 |
| Efficiency ratio | 95.7799% | 325 |
| Assets per employee ($millions) | 1.4296% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,842 |
| Loan loss allowance to noncurrent loans | 68.6624% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 1,476 |
| Noncurrent loans to loans | 1.5686% | 1,252 |
| Net loans and leases to total assets | 54.9643% | 4,255 |
| Net loans and leases to deposits | 61.2208% | 4,480 |
| Net loans and leases to core deposits | 63.2333% | 4,581 |
| Total domestic deposits to total assets | 89.7804% | 760 |
| Equity capital to assets | 9.5562% | 4,226 |
| Core capital (leverage) ratio | 9.8109% | 3,744 |
| Tier 1 risk-based capital ratio | 13.8987% | 3,542 |
| Total risk-based capital ratio | 14.8106% | 3,655 |
| Memoranda: | ||
| Average total assets | $180,897,000 | 3,179 |
| Average earning assets | $164,167,000 | 3,214 |
| Average equity | $17,097,500 | 3,537 |
| Average total loans | $108,015,500 | 3,276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,480 |
| Cost of funding earning assets | 0.4033% | 2,971 |
| Net interest margin | 3.5217% | 3,347 |
| Noninterest income to average assets | 5.8227% | 107 |
| Noninterest expense to average assets | 7.4280% | 119 |
| Loan and lease loss provision to assets | 0.1364% | 1,833 |
| Net operating income to assets | 1.4566% | 905 |
| Return on assets (ROA) | 1.4780% | 895 |
| Pretax return on assets | 1.4905% | 1,610 |
| Return on Equity (ROE) | 14.8378% | 648 |
| Retained earnings to average equity (ytd only) | 7.1365% | 1,172 |
| Net charge-offs to loans | 0.2504% | 1,108 |
| Credit loss provision to net charge-offs | 87.9121% | 2,841 |
| Earnings coverage of net charge-offs (x) | 10.3480% | 2,652 |
| Efficiency ratio | 82.1476% | 1,188 |
| Assets per employee ($millions) | 1.4533% | 5,847 |
| Cash dividends to net income (ytd only)* | 51.9031% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,518 |
| Loan loss allowance to noncurrent loans | 82.6538% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 1,335 |
| Noncurrent loans to loans | 1.1635% | 1,764 |
| Net loans and leases to total assets | 63.2107% | 3,446 |
| Net loans and leases to deposits | 73.5022% | 3,565 |
| Net loans and leases to core deposits | 75.6787% | 3,774 |
| Total domestic deposits to total assets | 85.9985% | 2,584 |
| Equity capital to assets | 9.3477% | 4,429 |
| Core capital (leverage) ratio | 9.9036% | 3,619 |
| Tier 1 risk-based capital ratio | 12.9183% | 4,121 |
| Total risk-based capital ratio | 13.7799% | 4,252 |
| Memoranda: | ||
| Average total assets | $175,983,400 | 3,208 |
| Average earning assets | $160,434,800 | 3,233 |
| Average equity | $17,529,600 | 3,485 |
| Average total loans | $109,029,200 | 3,222 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,470 |
| Cost of funding earning assets | 0.3985% | 3,036 |
| Net interest margin | 3.5383% | 3,326 |
| Noninterest income to average assets | 5.5634% | 113 |
| Noninterest expense to average assets | 6.9978% | 134 |
| Loan and lease loss provision to assets | 0.1375% | 1,708 |
| Net operating income to assets | 1.6463% | 664 |
| Return on assets (ROA) | 1.6750% | 666 |
| Pretax return on assets | 1.6918% | 1,133 |
| Return on Equity (ROE) | 16.5505% | 487 |
| Retained earnings to average equity (ytd only) | 10.8902% | 440 |
| Net charge-offs to loans | 0.2945% | 780 |
| Credit loss provision to net charge-offs | 75.9494% | 2,714 |
| Earnings coverage of net charge-offs (x) | 9.9452% | 2,631 |
| Efficiency ratio | 79.4513% | 1,503 |
| Assets per employee ($millions) | 1.4681% | 5,912 |
| Cash dividends to net income (ytd only)* | 34.1999% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,462 |
| Loan loss allowance to noncurrent loans | 111.5542% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 1,558 |
| Noncurrent loans to loans | 0.8883% | 2,482 |
| Net loans and leases to total assets | 61.3669% | 3,703 |
| Net loans and leases to deposits | 69.6654% | 4,016 |
| Net loans and leases to core deposits | 71.4643% | 4,207 |
| Total domestic deposits to total assets | 88.0881% | 1,357 |
| Equity capital to assets | 10.5084% | 3,555 |
| Core capital (leverage) ratio | 10.1019% | 3,441 |
| Tier 1 risk-based capital ratio | 13.4493% | 3,891 |
| Total risk-based capital ratio | 14.2899% | 4,050 |
| Memoranda: | ||
| Average total assets | $174,564,500 | 3,235 |
| Average earning assets | $159,584,500 | 3,259 |
| Average equity | $17,666,750 | 3,485 |
| Average total loans | $107,300,750 | 3,269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,445 |
| Cost of funding earning assets | 0.3895% | 3,155 |
| Net interest margin | 3.5566% | 3,272 |
| Noninterest income to average assets | 4.4797% | 141 |
| Noninterest expense to average assets | 6.4227% | 154 |
| Loan and lease loss provision to assets | 0.1383% | 1,638 |
| Net operating income to assets | 1.1566% | 1,748 |
| Return on assets (ROA) | 1.1870% | 1,750 |
| Pretax return on assets | 1.2124% | 2,737 |
| Return on Equity (ROE) | 11.8846% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.1154% | 2,060 |
| Net charge-offs to loans | 0.4475% | 507 |
| Credit loss provision to net charge-offs | 50.4202% | 2,665 |
| Earnings coverage of net charge-offs (x) | 4.8109% | 2,939 |
| Efficiency ratio | 82.8520% | 1,169 |
| Assets per employee ($millions) | 1.5374% | 5,984 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 4,566 |
| Loan loss allowance to noncurrent loans | 176.9759% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 2,362 |
| Noncurrent loans to loans | 0.5621% | 3,380 |
| Net loans and leases to total assets | 59.0078% | 4,012 |
| Net loans and leases to deposits | 66.3463% | 4,320 |
| Net loans and leases to core deposits | 68.2038% | 4,458 |
| Total domestic deposits to total assets | 88.9392% | 947 |
| Equity capital to assets | 10.3125% | 3,843 |
| Core capital (leverage) ratio | 9.7750% | 3,838 |
| Tier 1 risk-based capital ratio | 13.6919% | 3,775 |
| Total risk-based capital ratio | 14.6157% | 3,895 |
| Memoranda: | ||
| Average total assets | $173,540,000 | 3,272 |
| Average earning assets | $159,196,670 | 3,279 |
| Average equity | $17,333,330 | 3,537 |
| Average total loans | $106,367,000 | 3,300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,348 |
| Cost of funding earning assets | 0.3815% | 3,277 |
| Net interest margin | 3.5837% | 3,151 |
| Noninterest income to average assets | 3.2863% | 181 |
| Noninterest expense to average assets | 5.8069% | 188 |
| Loan and lease loss provision to assets | 0.1384% | 1,513 |
| Net operating income to assets | 0.5895% | 4,229 |
| Return on assets (ROA) | 0.6388% | 4,146 |
| Pretax return on assets | 0.6872% | 4,567 |
| Return on Equity (ROE) | 6.5014% | 3,725 |
| Retained earnings to average equity (ytd only) | 0.6337% | 4,961 |
| Net charge-offs to loans | 0.4082% | 552 |
| Credit loss provision to net charge-offs | 54.5455% | 2,015 |
| Earnings coverage of net charge-offs (x) | 3.0455% | 2,596 |
| Efficiency ratio | 88.1178% | 805 |
| Assets per employee ($millions) | 1.7296% | 6,022 |
| Cash dividends to net income (ytd only)* | 90.2527% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 4,368 |
| Loan loss allowance to noncurrent loans | 86.7984% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 1,908 |
| Noncurrent loans to loans | 1.2021% | 2,023 |
| Net loans and leases to total assets | 60.8175% | 3,673 |
| Net loans and leases to deposits | 68.3711% | 4,021 |
| Net loans and leases to core deposits | 70.2814% | 4,223 |
| Total domestic deposits to total assets | 88.9521% | 1,127 |
| Equity capital to assets | 10.0265% | 4,043 |
| Core capital (leverage) ratio | 9.6102% | 4,024 |
| Tier 1 risk-based capital ratio | 13.2866% | 4,103 |
| Total risk-based capital ratio | 14.2526% | 4,179 |
| Memoranda: | ||
| Average total assets | $173,449,500 | 3,291 |
| Average earning assets | $159,390,000 | 3,292 |
| Average equity | $17,042,500 | 3,580 |
| Average total loans | $107,781,000 | 3,282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,366 |
| Cost of funding earning assets | 0.3916% | 3,248 |
| Net interest margin | 3.5922% | 3,170 |
| Noninterest income to average assets | 3.8439% | 164 |
| Noninterest expense to average assets | 5.9405% | 184 |
| Loan and lease loss provision to assets | 0.1297% | 1,847 |
| Net operating income to assets | 1.0311% | 2,206 |
| Return on assets (ROA) | 1.0574% | 2,179 |
| Pretax return on assets | 1.0680% | 3,196 |
| Return on Equity (ROE) | 10.8963% | 1,649 |
| Retained earnings to average equity (ytd only) | 5.4269% | 2,120 |
| Net charge-offs to loans | 0.2115% | 1,390 |
| Credit loss provision to net charge-offs | 101.3825% | 2,470 |
| Earnings coverage of net charge-offs (x) | 9.1521% | 2,855 |
| Efficiency ratio | 83.4066% | 1,235 |
| Assets per employee ($millions) | 1.7745% | 6,081 |
| Cash dividends to net income (ytd only)* | 50.1952% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,382 |
| Loan loss allowance to noncurrent loans | 90.3226% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 2,081 |
| Noncurrent loans to loans | 1.1520% | 2,044 |
| Net loans and leases to total assets | 62.1499% | 3,541 |
| Net loans and leases to deposits | 72.0337% | 3,714 |
| Net loans and leases to core deposits | 74.0264% | 3,941 |
| Total domestic deposits to total assets | 86.2790% | 2,498 |
| Equity capital to assets | 9.6299% | 4,398 |
| Core capital (leverage) ratio | 9.6218% | 4,019 |
| Tier 1 risk-based capital ratio | 12.6680% | 4,529 |
| Total risk-based capital ratio | 13.6145% | 4,613 |
| Memoranda: | ||
| Average total assets | $169,565,400 | 3,312 |
| Average earning assets | $154,252,800 | 3,340 |
| Average equity | $16,455,200 | 3,609 |
| Average total loans | $102,592,400 | 3,344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,391 |
| Cost of funding earning assets | 0.3956% | 3,266 |
| Net interest margin | 3.5910% | 3,198 |
| Noninterest income to average assets | 3.6261% | 174 |
| Noninterest expense to average assets | 5.6660% | 200 |
| Loan and lease loss provision to assets | 0.1428% | 1,544 |
| Net operating income to assets | 1.0658% | 2,146 |
| Return on assets (ROA) | 1.0902% | 2,136 |
| Pretax return on assets | 1.1045% | 3,209 |
| Return on Equity (ROE) | 11.2116% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.9077% | 2,304 |
| Net charge-offs to loans | 0.1484% | 1,650 |
| Credit loss provision to net charge-offs | 160.7143% | 1,595 |
| Earnings coverage of net charge-offs (x) | 13.7589% | 2,297 |
| Efficiency ratio | 82.1355% | 1,377 |
| Assets per employee ($millions) | 1.6811% | 6,175 |
| Cash dividends to net income (ytd only)* | 47.3075% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,838 |
| Loan loss allowance to noncurrent loans | 112.0037% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 2,396 |
| Noncurrent loans to loans | 1.0410% | 2,393 |
| Net loans and leases to total assets | 60.5575% | 3,802 |
| Net loans and leases to deposits | 69.7951% | 4,009 |
| Net loans and leases to core deposits | 71.9650% | 4,195 |
| Total domestic deposits to total assets | 86.7647% | 2,158 |
| Equity capital to assets | 9.8028% | 4,390 |
| Core capital (leverage) ratio | 9.7031% | 4,031 |
| Tier 1 risk-based capital ratio | 14.3437% | 3,659 |
| Total risk-based capital ratio | 15.4470% | 3,669 |
| Memoranda: | ||
| Average total assets | $168,038,750 | 3,363 |
| Average earning assets | $152,674,750 | 3,385 |
| Average equity | $16,339,750 | 3,656 |
| Average total loans | $100,658,500 | 3,410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,512 |
| Cost of funding earning assets | 0.3974% | 3,303 |
| Net interest margin | 3.5478% | 3,300 |
| Noninterest income to average assets | 3.1782% | 202 |
| Noninterest expense to average assets | 5.2587% | 245 |
| Loan and lease loss provision to assets | 0.1433% | 1,522 |
| Net operating income to assets | 0.9861% | 2,469 |
| Return on assets (ROA) | 1.0224% | 2,393 |
| Pretax return on assets | 1.0439% | 3,399 |
| Return on Equity (ROE) | 10.5430% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.6163% | 2,457 |
| Net charge-offs to loans | 0.1728% | 1,430 |
| Credit loss provision to net charge-offs | 139.5349% | 1,610 |
| Earnings coverage of net charge-offs (x) | 11.1977% | 2,317 |
| Efficiency ratio | 81.9046% | 1,503 |
| Assets per employee ($millions) | 2.2030% | 6,169 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,941 |
| Loan loss allowance to noncurrent loans | 204.3328% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 3,329 |
| Noncurrent loans to loans | 0.5749% | 3,727 |
| Net loans and leases to total assets | 59.2424% | 3,938 |
| Net loans and leases to deposits | 66.8007% | 4,250 |
| Net loans and leases to core deposits | 69.0073% | 4,414 |
| Total domestic deposits to total assets | 88.6854% | 1,307 |
| Equity capital to assets | 9.7008% | 4,396 |
| Core capital (leverage) ratio | 9.4884% | 4,302 |
| Tier 1 risk-based capital ratio | 14.9312% | 3,395 |
| Total risk-based capital ratio | 16.1410% | 3,351 |
| Memoranda: | ||
| Average total assets | $167,455,330 | 3,395 |
| Average earning assets | $152,489,670 | 3,409 |
| Average equity | $16,238,330 | 3,689 |
| Average total loans | $99,533,670 | 3,447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 3,830 |
| Cost of funding earning assets | 0.3964% | 3,346 |
| Net interest margin | 3.4529% | 3,618 |
| Noninterest income to average assets | 2.4984% | 275 |
| Noninterest expense to average assets | 4.8105% | 341 |
| Loan and lease loss provision to assets | 0.1433% | 1,425 |
| Net operating income to assets | 0.6673% | 3,966 |
| Return on assets (ROA) | 0.7189% | 3,836 |
| Pretax return on assets | 0.7619% | 4,383 |
| Return on Equity (ROE) | 7.4154% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.4882% | 4,439 |
| Net charge-offs to loans | 0.0969% | 1,750 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,656 |
| Efficiency ratio | 84.6835% | 1,299 |
| Assets per employee ($millions) | 2.1837% | 6,236 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,886 |
| Loan loss allowance to noncurrent loans | 174.1888% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 3,305 |
| Noncurrent loans to loans | 0.6970% | 3,533 |
| Net loans and leases to total assets | 57.1469% | 4,069 |
| Net loans and leases to deposits | 63.7952% | 4,392 |
| Net loans and leases to core deposits | 66.1556% | 4,504 |
| Total domestic deposits to total assets | 89.5786% | 953 |
| Equity capital to assets | 9.7238% | 4,474 |
| Core capital (leverage) ratio | 9.2499% | 4,651 |
| Tier 1 risk-based capital ratio | 14.7906% | 3,547 |
| Total risk-based capital ratio | 15.9159% | 3,543 |
| Memoranda: | ||
| Average total assets | $167,468,500 | 3,410 |
| Average earning assets | $153,378,000 | 3,412 |
| Average equity | $16,236,500 | 3,710 |
| Average total loans | $99,116,500 | 3,472 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,969 |
| Cost of funding earning assets | 0.4147% | 3,546 |
| Net interest margin | 3.5253% | 3,699 |
| Noninterest income to average assets | 1.2473% | 784 |
| Noninterest expense to average assets | 3.6017% | 1,303 |
| Loan and lease loss provision to assets | 0.1142% | 2,266 |
| Net operating income to assets | 0.7670% | 3,532 |
| Return on assets (ROA) | 0.8406% | 3,262 |
| Pretax return on assets | 0.8527% | 4,063 |
| Return on Equity (ROE) | 9.0609% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.1984% | 3,960 |
| Net charge-offs to loans | 0.0523% | 3,790 |
| Credit loss provision to net charge-offs | 378.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 29.5400% | 1,358 |
| Efficiency ratio | 79.8440% | 1,954 |
| Assets per employee ($millions) | 2.1946% | 6,312 |
| Cash dividends to net income (ytd only)* | 64.7017% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,302 |
| Loan loss allowance to noncurrent loans | 206.9767% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,585 |
| Noncurrent loans to loans | 0.5537% | 4,004 |
| Net loans and leases to total assets | 59.8382% | 3,810 |
| Net loans and leases to deposits | 67.7602% | 4,149 |
| Net loans and leases to core deposits | 70.1816% | 4,314 |
| Total domestic deposits to total assets | 88.3089% | 1,614 |
| Equity capital to assets | 9.6665% | 4,515 |
| Core capital (leverage) ratio | 9.2608% | 4,587 |
| Tier 1 risk-based capital ratio | 13.8465% | 4,209 |
| Total risk-based capital ratio | 14.8809% | 4,270 |
| Memoranda: | ||
| Average total assets | $165,478,000 | 3,405 |
| Average earning assets | $152,413,600 | 3,402 |
| Average equity | $15,351,600 | 3,771 |
| Average total loans | $95,642,800 | 3,513 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 4,128 |
| Cost of funding earning assets | 0.4148% | 3,630 |
| Net interest margin | 3.4970% | 3,845 |
| Noninterest income to average assets | 1.1190% | 971 |
| Noninterest expense to average assets | 3.4134% | 1,629 |
| Loan and lease loss provision to assets | 0.1348% | 1,853 |
| Net operating income to assets | 0.7821% | 3,503 |
| Return on assets (ROA) | 0.8509% | 3,265 |
| Pretax return on assets | 0.8671% | 4,114 |
| Return on Equity (ROE) | 9.2706% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.1136% | 4,406 |
| Net charge-offs to loans | -0.0042% | 5,274 |
| Credit loss provision to net charge-offs | -5,566.6667% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 2,147 |
| Assets per employee ($millions) | 2.3674% | 6,318 |
| Cash dividends to net income (ytd only)* | 66.4136% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,063 |
| Loan loss allowance to noncurrent loans | 260.5263% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 4,095 |
| Noncurrent loans to loans | 0.4728% | 4,488 |
| Net loans and leases to total assets | 57.4878% | 4,136 |
| Net loans and leases to deposits | 65.5910% | 4,379 |
| Net loans and leases to core deposits | 68.1394% | 4,498 |
| Total domestic deposits to total assets | 87.6458% | 1,957 |
| Equity capital to assets | 9.5241% | 4,771 |
| Core capital (leverage) ratio | 9.0914% | 4,940 |
| Tier 1 risk-based capital ratio | 14.0341% | 4,186 |
| Total risk-based capital ratio | 15.1263% | 4,248 |
| Memoranda: | ||
| Average total assets | $165,149,250 | 3,436 |
| Average earning assets | $152,354,250 | 3,425 |
| Average equity | $15,158,750 | 3,827 |
| Average total loans | $94,312,750 | 3,573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 4,275 |
| Cost of funding earning assets | 0.4140% | 3,722 |
| Net interest margin | 3.4529% | 3,971 |
| Noninterest income to average assets | 0.8754% | 1,574 |
| Noninterest expense to average assets | 3.1802% | 2,250 |
| Loan and lease loss provision to assets | 0.1273% | 1,940 |
| Net operating income to assets | 0.7318% | 3,666 |
| Return on assets (ROA) | 0.8341% | 3,247 |
| Pretax return on assets | 0.8584% | 4,047 |
| Return on Equity (ROE) | 9.2036% | 2,503 |
| Retained earnings to average equity (ytd only) | 3.1838% | 4,173 |
| Net charge-offs to loans | 0.0064% | 4,155 |
| Credit loss provision to net charge-offs | 3,500.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 278 |
| Efficiency ratio | 77.9934% | 2,292 |
| Assets per employee ($millions) | 2.9999% | 5,748 |
| Cash dividends to net income (ytd only)* | 65.4070% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,612 |
| Loan loss allowance to noncurrent loans | 131.7647% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 3,536 |
| Noncurrent loans to loans | 0.8811% | 3,494 |
| Net loans and leases to total assets | 56.7575% | 4,146 |
| Net loans and leases to deposits | 64.6142% | 4,428 |
| Net loans and leases to core deposits | 67.0799% | 4,547 |
| Total domestic deposits to total assets | 87.8405% | 2,005 |
| Equity capital to assets | 9.3010% | 4,982 |
| Core capital (leverage) ratio | 9.0737% | 4,903 |
| Tier 1 risk-based capital ratio | 14.1438% | 4,155 |
| Total risk-based capital ratio | 15.1895% | 4,235 |
| Memoranda: | ||
| Average total assets | $164,960,000 | 3,461 |
| Average earning assets | $152,164,000 | 3,441 |
| Average equity | $14,950,670 | 3,865 |
| Average total loans | $93,598,670 | 3,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,538 |
| Cost of funding earning assets | 0.4117% | 3,837 |
| Net interest margin | 3.3757% | 4,239 |
| Noninterest income to average assets | 0.8761% | 1,464 |
| Noninterest expense to average assets | 3.1154% | 2,479 |
| Loan and lease loss provision to assets | 0.1517% | 1,600 |
| Net operating income to assets | 0.6748% | 3,818 |
| Return on assets (ROA) | 0.7415% | 3,558 |
| Pretax return on assets | 0.7905% | 4,143 |
| Return on Equity (ROE) | 8.2937% | 2,802 |
| Retained earnings to average equity (ytd only) | 1.4507% | 5,037 |
| Net charge-offs to loans | -0.0174% | 5,290 |
| Credit loss provision to net charge-offs | -1,550.0000% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8392% | 2,495 |
| Assets per employee ($millions) | 3.0361% | 5,802 |
| Cash dividends to net income (ytd only)* | 82.5083% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,423 |
| Loan loss allowance to noncurrent loans | 137.9135% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 4,400 |
| Noncurrent loans to loans | 0.9011% | 3,629 |
| Net loans and leases to total assets | 52.5419% | 4,605 |
| Net loans and leases to deposits | 58.0808% | 4,932 |
| Net loans and leases to core deposits | 60.2055% | 5,022 |
| Total domestic deposits to total assets | 90.4635% | 819 |
| Equity capital to assets | 9.0235% | 5,095 |
| Core capital (leverage) ratio | 9.1022% | 4,867 |
| Tier 1 risk-based capital ratio | 15.0996% | 3,655 |
| Total risk-based capital ratio | 16.1934% | 3,695 |
| Memoranda: | ||
| Average total assets | $163,444,000 | 3,507 |
| Average earning assets | $150,604,000 | 3,496 |
| Average equity | $14,613,500 | 3,929 |
| Average total loans | $92,164,000 | 3,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 4,538 |
| Cost of funding earning assets | 0.4446% | 4,166 |
| Net interest margin | 3.4349% | 4,148 |
| Noninterest income to average assets | 1.3396% | 772 |
| Noninterest expense to average assets | 3.0617% | 2,858 |
| Loan and lease loss provision to assets | 0.1631% | 2,237 |
| Net operating income to assets | 1.2863% | 1,285 |
| Return on assets (ROA) | 1.2863% | 1,338 |
| Pretax return on assets | 1.3076% | 2,118 |
| Return on Equity (ROE) | 13.8196% | 990 |
| Retained earnings to average equity (ytd only) | 4.7233% | 2,797 |
| Net charge-offs to loans | 0.1838% | 3,000 |
| Credit loss provision to net charge-offs | 149.4253% | 1,554 |
| Earnings coverage of net charge-offs (x) | 13.4770% | 2,021 |
| Efficiency ratio | 67.2893% | 4,329 |
| Assets per employee ($millions) | 3.0174% | 5,804 |
| Cash dividends to net income (ytd only)* | 65.8216% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 5,351 |
| Loan loss allowance to noncurrent loans | 123.5437% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 4,282 |
| Noncurrent loans to loans | 0.8486% | 3,857 |
| Net loans and leases to total assets | 58.9693% | 3,876 |
| Net loans and leases to deposits | 68.0621% | 4,048 |
| Net loans and leases to core deposits | 70.3933% | 4,252 |
| Total domestic deposits to total assets | 86.6404% | 2,918 |
| Equity capital to assets | 8.8579% | 5,193 |
| Core capital (leverage) ratio | 9.2084% | 4,710 |
| Tier 1 risk-based capital ratio | 14.0355% | 4,271 |
| Total risk-based capital ratio | 14.9936% | 4,433 |
| Memoranda: | ||
| Average total assets | $159,455,600 | 3,571 |
| Average earning assets | $148,215,000 | 3,539 |
| Average equity | $14,841,200 | 3,900 |
| Average total loans | $94,672,000 | 3,583 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,773 |
| Cost of funding earning assets | 0.4491% | 4,286 |
| Net interest margin | 3.3718% | 4,393 |
| Noninterest income to average assets | 1.4587% | 689 |
| Noninterest expense to average assets | 3.1116% | 2,616 |
| Loan and lease loss provision to assets | 0.1833% | 1,983 |
| Net operating income to assets | 1.2788% | 1,399 |
| Return on assets (ROA) | 1.2788% | 1,469 |
| Pretax return on assets | 1.3074% | 2,306 |
| Return on Equity (ROE) | 13.5710% | 1,108 |
| Retained earnings to average equity (ytd only) | 5.5408% | 2,705 |
| Net charge-offs to loans | 0.0043% | 5,105 |
| Credit loss provision to net charge-offs | 7,266.6667% | 40 |
| Earnings coverage of net charge-offs (x) | 590.9850% | 96 |
| Efficiency ratio | 67.3548% | 4,219 |
| Assets per employee ($millions) | 3.1721% | 5,557 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,003 |
| Loan loss allowance to noncurrent loans | 186.5041% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 4,809 |
| Noncurrent loans to loans | 0.6286% | 4,625 |
| Net loans and leases to total assets | 59.7705% | 3,731 |
| Net loans and leases to deposits | 69.3124% | 3,887 |
| Net loans and leases to core deposits | 72.0728% | 4,079 |
| Total domestic deposits to total assets | 86.2335% | 3,113 |
| Equity capital to assets | 8.8777% | 5,322 |
| Core capital (leverage) ratio | 9.3638% | 4,589 |
| Tier 1 risk-based capital ratio | 13.6801% | 4,646 |
| Total risk-based capital ratio | 14.7376% | 4,717 |
| Memoranda: | ||
| Average total assets | $158,584,750 | 3,614 |
| Average earning assets | $147,851,250 | 3,578 |
| Average equity | $14,943,250 | 3,927 |
| Average total loans | $94,064,500 | 3,622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,915 |
| Cost of funding earning assets | 0.4581% | 4,338 |
| Net interest margin | 3.3160% | 4,506 |
| Noninterest income to average assets | 1.4969% | 700 |
| Noninterest expense to average assets | 3.1272% | 2,583 |
| Loan and lease loss provision to assets | 0.1968% | 1,931 |
| Net operating income to assets | 1.2176% | 1,544 |
| Return on assets (ROA) | 1.2176% | 1,648 |
| Pretax return on assets | 1.2608% | 2,443 |
| Return on Equity (ROE) | 12.6709% | 1,322 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,694 |
| Net charge-offs to loans | 0.0194% | 4,457 |
| Credit loss provision to net charge-offs | 1,722.2222% | 183 |
| Earnings coverage of net charge-offs (x) | 127.5556% | 381 |
| Efficiency ratio | 67.9313% | 4,194 |
| Assets per employee ($millions) | 2.9775% | 5,887 |
| Cash dividends to net income (ytd only)* | 67.7789% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,855 |
| Loan loss allowance to noncurrent loans | 116.4147% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 3,771 |
| Noncurrent loans to loans | 1.0521% | 3,831 |
| Net loans and leases to total assets | 56.1481% | 4,260 |
| Net loans and leases to deposits | 62.1647% | 4,717 |
| Net loans and leases to core deposits | 64.4421% | 4,848 |
| Total domestic deposits to total assets | 90.3215% | 847 |
| Equity capital to assets | 9.2541% | 4,916 |
| Core capital (leverage) ratio | 9.2797% | 4,579 |
| Tier 1 risk-based capital ratio | 14.4228% | 4,145 |
| Total risk-based capital ratio | 15.4926% | 4,219 |
| Memoranda: | ||
| Average total assets | $157,520,670 | 3,654 |
| Average earning assets | $146,682,000 | 3,617 |
| Average equity | $15,137,000 | 3,917 |
| Average total loans | $92,805,330 | 3,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,903 |
| Cost of funding earning assets | 0.4631% | 4,448 |
| Net interest margin | 3.3122% | 4,473 |
| Noninterest income to average assets | 1.5258% | 662 |
| Noninterest expense to average assets | 2.9987% | 2,996 |
| Loan and lease loss provision to assets | 0.2342% | 1,560 |
| Net operating income to assets | 1.2866% | 1,319 |
| Return on assets (ROA) | 1.2866% | 1,419 |
| Pretax return on assets | 1.3722% | 1,954 |
| Return on Equity (ROE) | 13.1519% | 1,134 |
| Retained earnings to average equity (ytd only) | 2.8569% | 4,565 |
| Net charge-offs to loans | 0.0588% | 3,231 |
| Credit loss provision to net charge-offs | 664.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 45.5714% | 720 |
| Efficiency ratio | 64.8442% | 4,853 |
| Assets per employee ($millions) | 3.1304% | 5,767 |
| Cash dividends to net income (ytd only)* | 78.2779% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,372 |
| Loan loss allowance to noncurrent loans | 144.4286% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 4,223 |
| Noncurrent loans to loans | 0.8023% | 4,520 |
| Net loans and leases to total assets | 54.0150% | 4,415 |
| Net loans and leases to deposits | 60.1132% | 4,782 |
| Net loans and leases to core deposits | 62.1956% | 4,938 |
| Total domestic deposits to total assets | 89.8554% | 1,133 |
| Equity capital to assets | 9.7099% | 4,550 |
| Core capital (leverage) ratio | 9.1652% | 4,619 |
| Tier 1 risk-based capital ratio | 14.1814% | 4,378 |
| Total risk-based capital ratio | 15.1814% | 4,517 |
| Memoranda: | ||
| Average total assets | $158,867,000 | 3,675 |
| Average earning assets | $147,697,500 | 3,629 |
| Average equity | $15,541,500 | 3,900 |
| Average total loans | $95,202,500 | 3,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 4,015 |
| Cost of funding earning assets | 0.5834% | 4,506 |
| Net interest margin | 3.7712% | 3,356 |
| Noninterest income to average assets | 2.0233% | 428 |
| Noninterest expense to average assets | 3.6375% | 1,529 |
| Loan and lease loss provision to assets | 0.3575% | 1,869 |
| Net operating income to assets | 1.4966% | 924 |
| Return on assets (ROA) | 1.7193% | 667 |
| Pretax return on assets | 1.7327% | 1,065 |
| Return on Equity (ROE) | 17.0670% | 529 |
| Retained earnings to average equity (ytd only) | 8.0949% | 1,088 |
| Net charge-offs to loans | 0.6094% | 1,915 |
| Credit loss provision to net charge-offs | 98.5240% | 3,151 |
| Earnings coverage of net charge-offs (x) | 5.1402% | 3,137 |
| Efficiency ratio | 65.7014% | 4,561 |
| Assets per employee ($millions) | 3.0996% | 5,848 |
| Cash dividends to net income (ytd only)* | 52.5701% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,258 |
| Loan loss allowance to noncurrent loans | 159.5890% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 4,438 |
| Noncurrent loans to loans | 0.5661% | 5,118 |
| Net loans and leases to total assets | 64.6664% | 2,783 |
| Net loans and leases to deposits | 77.0203% | 2,654 |
| Net loans and leases to core deposits | 79.5719% | 3,067 |
| Total domestic deposits to total assets | 83.9602% | 4,335 |
| Equity capital to assets | 9.8563% | 4,368 |
| Core capital (leverage) ratio | 9.3138% | 4,393 |
| Tier 1 risk-based capital ratio | 12.9858% | 5,113 |
| Total risk-based capital ratio | 13.8364% | 5,357 |
| Memoranda: | ||
| Average total assets | $149,362,400 | 3,784 |
| Average earning assets | $137,808,200 | 3,759 |
| Average equity | $15,046,600 | 3,956 |
| Average total loans | $88,945,800 | 3,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 4,031 |
| Cost of funding earning assets | 0.6091% | 4,545 |
| Net interest margin | 3.7948% | 3,358 |
| Noninterest income to average assets | 1.8081% | 489 |
| Noninterest expense to average assets | 3.5049% | 1,745 |
| Loan and lease loss provision to assets | 0.3361% | 1,945 |
| Net operating income to assets | 1.4558% | 1,113 |
| Return on assets (ROA) | 1.6369% | 861 |
| Pretax return on assets | 1.6550% | 1,399 |
| Return on Equity (ROE) | 16.1555% | 725 |
| Retained earnings to average equity (ytd only) | 9.4501% | 1,079 |
| Net charge-offs to loans | 0.6292% | 1,742 |
| Credit loss provision to net charge-offs | 92.0596% | 3,230 |
| Earnings coverage of net charge-offs (x) | 4.9529% | 3,154 |
| Efficiency ratio | 65.5754% | 4,526 |
| Assets per employee ($millions) | 3.1699% | 5,692 |
| Cash dividends to net income (ytd only)* | 41.5055% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,086 |
| Loan loss allowance to noncurrent loans | 120.2649% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 3,916 |
| Noncurrent loans to loans | 0.8311% | 4,756 |
| Net loans and leases to total assets | 60.3677% | 3,705 |
| Net loans and leases to deposits | 68.5989% | 4,085 |
| Net loans and leases to core deposits | 71.2481% | 4,345 |
| Total domestic deposits to total assets | 88.0010% | 2,042 |
| Equity capital to assets | 10.5586% | 3,774 |
| Core capital (leverage) ratio | 9.4634% | 4,329 |
| Tier 1 risk-based capital ratio | 14.3951% | 4,265 |
| Total risk-based capital ratio | 15.3231% | 4,434 |
| Memoranda: | ||
| Average total assets | $147,182,500 | 3,863 |
| Average earning assets | $135,938,750 | 3,831 |
| Average equity | $14,913,000 | 4,026 |
| Average total loans | $85,392,750 | 3,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 4,171 |
| Cost of funding earning assets | 0.6325% | 4,603 |
| Net interest margin | 3.7716% | 3,491 |
| Noninterest income to average assets | 1.4790% | 667 |
| Noninterest expense to average assets | 3.3483% | 2,161 |
| Loan and lease loss provision to assets | 0.2783% | 2,360 |
| Net operating income to assets | 1.2992% | 1,446 |
| Return on assets (ROA) | 1.3099% | 1,563 |
| Pretax return on assets | 1.3371% | 2,436 |
| Return on Equity (ROE) | 13.1145% | 1,333 |
| Retained earnings to average equity (ytd only) | 6.2840% | 2,511 |
| Net charge-offs to loans | 0.7299% | 1,516 |
| Credit loss provision to net charge-offs | 66.8852% | 3,638 |
| Earnings coverage of net charge-offs (x) | 3.8557% | 3,247 |
| Efficiency ratio | 67.1901% | 4,294 |
| Assets per employee ($millions) | 3.0060% | 6,055 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 6,034 |
| Loan loss allowance to noncurrent loans | 219.6335% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 4,281 |
| Noncurrent loans to loans | 0.4688% | 5,596 |
| Net loans and leases to total assets | 54.7562% | 4,667 |
| Net loans and leases to deposits | 61.3137% | 5,089 |
| Net loans and leases to core deposits | 63.6197% | 5,244 |
| Total domestic deposits to total assets | 89.3050% | 1,329 |
| Equity capital to assets | 10.1498% | 4,123 |
| Core capital (leverage) ratio | 9.2039% | 4,606 |
| Tier 1 risk-based capital ratio | 14.7300% | 3,946 |
| Total risk-based capital ratio | 15.6429% | 4,143 |
| Memoranda: | ||
| Average total assets | $146,581,000 | 3,892 |
| Average earning assets | $135,010,670 | 3,865 |
| Average equity | $14,640,330 | 4,066 |
| Average total loans | $83,574,330 | 3,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 4,190 |
| Cost of funding earning assets | 0.6632% | 4,606 |
| Net interest margin | 3.7688% | 3,524 |
| Noninterest income to average assets | 1.2720% | 874 |
| Noninterest expense to average assets | 3.2525% | 2,429 |
| Loan and lease loss provision to assets | 0.2517% | 2,438 |
| Net operating income to assets | 1.1954% | 1,751 |
| Return on assets (ROA) | 1.1954% | 1,934 |
| Pretax return on assets | 1.2501% | 2,724 |
| Return on Equity (ROE) | 12.0672% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.1638% | 3,464 |
| Net charge-offs to loans | 0.5295% | 1,766 |
| Credit loss provision to net charge-offs | 82.1429% | 2,694 |
| Earnings coverage of net charge-offs (x) | 4.9018% | 2,478 |
| Efficiency ratio | 68.0092% | 4,167 |
| Assets per employee ($millions) | 3.0403% | 6,078 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,609 |
| Loan loss allowance to noncurrent loans | 84.3263% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 3,482 |
| Noncurrent loans to loans | 1.3935% | 4,019 |
| Net loans and leases to total assets | 51.9342% | 5,036 |
| Net loans and leases to deposits | 57.7647% | 5,404 |
| Net loans and leases to core deposits | 60.1408% | 5,514 |
| Total domestic deposits to total assets | 89.9065% | 1,137 |
| Equity capital to assets | 9.7612% | 4,438 |
| Core capital (leverage) ratio | 8.9811% | 4,872 |
| Tier 1 risk-based capital ratio | 15.0019% | 3,762 |
| Total risk-based capital ratio | 16.0432% | 3,857 |
| Memoranda: | ||
| Average total assets | $146,225,000 | 3,934 |
| Average earning assets | $135,108,000 | 3,901 |
| Average equity | $14,485,500 | 4,104 |
| Average total loans | $84,616,000 | 3,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 3,239 |
| Cost of funding earning assets | 0.8338% | 4,600 |
| Net interest margin | 4.0906% | 2,464 |
| Noninterest income to average assets | 1.0716% | 1,164 |
| Noninterest expense to average assets | 3.2113% | 2,827 |
| Loan and lease loss provision to assets | 0.4983% | 2,116 |
| Net operating income to assets | 1.1413% | 1,692 |
| Return on assets (ROA) | 1.3248% | 1,285 |
| Pretax return on assets | 1.3399% | 1,984 |
| Return on Equity (ROE) | 13.3761% | 1,071 |
| Retained earnings to average equity (ytd only) | 6.0946% | 1,962 |
| Net charge-offs to loans | 0.8034% | 2,152 |
| Credit loss provision to net charge-offs | 104.2232% | 3,300 |
| Earnings coverage of net charge-offs (x) | 3.4570% | 3,513 |
| Efficiency ratio | 65.5300% | 4,859 |
| Assets per employee ($millions) | 2.9890% | 6,105 |
| Cash dividends to net income (ytd only)* | 54.4366% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,052 |
| Loan loss allowance to noncurrent loans | 45.0192% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 3,357 |
| Noncurrent loans to loans | 2.2960% | 2,859 |
| Net loans and leases to total assets | 62.7310% | 3,461 |
| Net loans and leases to deposits | 72.2426% | 3,763 |
| Net loans and leases to core deposits | 75.0749% | 4,090 |
| Total domestic deposits to total assets | 86.8338% | 2,856 |
| Equity capital to assets | 10.0569% | 4,094 |
| Core capital (leverage) ratio | 9.1102% | 4,598 |
| Tier 1 risk-based capital ratio | 13.7019% | 4,553 |
| Total risk-based capital ratio | 14.6882% | 4,707 |
| Memoranda: | ||
| Average total assets | $138,665,800 | 3,999 |
| Average earning assets | $128,562,600 | 3,960 |
| Average equity | $13,733,400 | 4,179 |
| Average total loans | $82,525,200 | 4,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 3,379 |
| Cost of funding earning assets | 0.8646% | 4,666 |
| Net interest margin | 4.0768% | 2,569 |
| Noninterest income to average assets | 0.9059% | 1,626 |
| Noninterest expense to average assets | 3.1212% | 3,086 |
| Loan and lease loss provision to assets | 0.3763% | 2,598 |
| Net operating income to assets | 1.1763% | 1,726 |
| Return on assets (ROA) | 1.3424% | 1,374 |
| Pretax return on assets | 1.3627% | 2,075 |
| Return on Equity (ROE) | 13.6088% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.2341% | 2,410 |
| Net charge-offs to loans | 0.6449% | 2,316 |
| Credit loss provision to net charge-offs | 99.7429% | 3,429 |
| Earnings coverage of net charge-offs (x) | 4.1646% | 3,157 |
| Efficiency ratio | 65.9777% | 4,722 |
| Assets per employee ($millions) | 3.0036% | 6,110 |
| Cash dividends to net income (ytd only)* | 54.1909% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,944 |
| Loan loss allowance to noncurrent loans | 45.3911% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9440% | 2,189 |
| Noncurrent loans to loans | 2.3914% | 2,898 |
| Net loans and leases to total assets | 58.8050% | 4,355 |
| Net loans and leases to deposits | 65.7654% | 4,939 |
| Net loans and leases to core deposits | 68.3386% | 5,143 |
| Total domestic deposits to total assets | 89.4163% | 1,183 |
| Equity capital to assets | 10.2316% | 4,045 |
| Core capital (leverage) ratio | 9.2368% | 4,563 |
| Tier 1 risk-based capital ratio | 13.9339% | 4,402 |
| Total risk-based capital ratio | 14.9214% | 4,571 |
| Memoranda: | ||
| Average total assets | $137,464,000 | 4,048 |
| Average earning assets | $127,679,000 | 4,003 |
| Average equity | $13,559,500 | 4,225 |
| Average total loans | $80,421,000 | 4,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 3,296 |
| Cost of funding earning assets | 0.9012% | 4,660 |
| Net interest margin | 4.0719% | 2,523 |
| Noninterest income to average assets | 0.8368% | 1,855 |
| Noninterest expense to average assets | 3.0331% | 3,512 |
| Loan and lease loss provision to assets | 0.3465% | 2,704 |
| Net operating income to assets | 1.2161% | 1,524 |
| Return on assets (ROA) | 1.3140% | 1,356 |
| Pretax return on assets | 1.3448% | 1,982 |
| Return on Equity (ROE) | 13.4945% | 1,088 |
| Retained earnings to average equity (ytd only) | 5.9557% | 2,461 |
| Net charge-offs to loans | 0.6258% | 2,270 |
| Credit loss provision to net charge-offs | 95.1613% | 3,303 |
| Earnings coverage of net charge-offs (x) | 4.3710% | 2,874 |
| Efficiency ratio | 64.9841% | 5,064 |
| Assets per employee ($millions) | 3.1974% | 5,646 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,939 |
| Loan loss allowance to noncurrent loans | 38.3468% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 2.8315% | 2,367 |
| Noncurrent loans to loans | 2.8802% | 2,535 |
| Net loans and leases to total assets | 58.6123% | 4,526 |
| Net loans and leases to deposits | 65.4931% | 5,074 |
| Net loans and leases to core deposits | 68.3065% | 5,259 |
| Total domestic deposits to total assets | 89.4938% | 1,246 |
| Equity capital to assets | 10.1375% | 3,969 |
| Core capital (leverage) ratio | 9.0798% | 4,603 |
| Tier 1 risk-based capital ratio | 13.9480% | 4,202 |
| Total risk-based capital ratio | 14.9432% | 4,360 |
| Memoranda: | ||
| Average total assets | $136,228,670 | 4,102 |
| Average earning assets | $126,723,330 | 4,051 |
| Average equity | $13,264,670 | 4,282 |
| Average total loans | $79,252,670 | 4,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 3,375 |
| Cost of funding earning assets | 0.9381% | 4,666 |
| Net interest margin | 3.9994% | 2,678 |
| Noninterest income to average assets | 0.7699% | 2,158 |
| Noninterest expense to average assets | 2.9853% | 3,703 |
| Loan and lease loss provision to assets | 0.1858% | 3,753 |
| Net operating income to assets | 1.2617% | 1,363 |
| Return on assets (ROA) | 1.3009% | 1,305 |
| Pretax return on assets | 1.3629% | 1,836 |
| Return on Equity (ROE) | 13.6448% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.9097% | 2,694 |
| Net charge-offs to loans | 0.3532% | 2,651 |
| Credit loss provision to net charge-offs | 91.3043% | 2,917 |
| Earnings coverage of net charge-offs (x) | 7.4058% | 1,953 |
| Efficiency ratio | 65.6599% | 5,090 |
| Assets per employee ($millions) | 3.2504% | 5,594 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,773 |
| Loan loss allowance to noncurrent loans | 18.1600% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 3.6146% | 1,882 |
| Noncurrent loans to loans | 6.4383% | 941 |
| Net loans and leases to total assets | 54.7941% | 5,194 |
| Net loans and leases to deposits | 60.7983% | 5,643 |
| Net loans and leases to core deposits | 63.2142% | 5,813 |
| Total domestic deposits to total assets | 90.1243% | 1,082 |
| Equity capital to assets | 9.3627% | 4,634 |
| Core capital (leverage) ratio | 9.0933% | 4,463 |
| Tier 1 risk-based capital ratio | 14.1166% | 3,993 |
| Total risk-based capital ratio | 15.1557% | 4,114 |
| Memoranda: | ||
| Average total assets | $135,598,000 | 4,145 |
| Average earning assets | $126,218,500 | 4,103 |
| Average equity | $12,928,000 | 4,352 |
| Average total loans | $78,136,000 | 4,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 3,250 |
| Cost of funding earning assets | 1.2535% | 4,193 |
| Net interest margin | 4.0196% | 2,926 |
| Noninterest income to average assets | 1.1330% | 1,149 |
| Noninterest expense to average assets | 3.2521% | 2,907 |
| Loan and lease loss provision to assets | 0.3722% | 3,888 |
| Net operating income to assets | 1.2181% | 1,374 |
| Return on assets (ROA) | 1.2573% | 1,347 |
| Pretax return on assets | 1.2737% | 2,005 |
| Return on Equity (ROE) | 12.9124% | 1,108 |
| Retained earnings to average equity (ytd only) | 5.7300% | 1,975 |
| Net charge-offs to loans | 0.5645% | 3,361 |
| Credit loss provision to net charge-offs | 104.8140% | 4,281 |
| Earnings coverage of net charge-offs (x) | 4.5230% | 2,889 |
| Efficiency ratio | 66.4267% | 4,888 |
| Assets per employee ($millions) | 3.1293% | 5,823 |
| Cash dividends to net income (ytd only)* | 55.6242% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,705 |
| Loan loss allowance to noncurrent loans | 24.4046% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 3.0054% | 2,340 |
| Noncurrent loans to loans | 4.7435% | 1,463 |
| Net loans and leases to total assets | 59.2487% | 4,798 |
| Net loans and leases to deposits | 66.0257% | 5,397 |
| Net loans and leases to core deposits | 68.5753% | 5,600 |
| Total domestic deposits to total assets | 89.7359% | 1,248 |
| Equity capital to assets | 9.7163% | 4,099 |
| Core capital (leverage) ratio | 8.9516% | 4,619 |
| Tier 1 risk-based capital ratio | 13.7492% | 4,019 |
| Total risk-based capital ratio | 14.7840% | 4,139 |
| Memoranda: | ||
| Average total assets | $128,685,000 | 4,302 |
| Average earning assets | $119,265,600 | 4,249 |
| Average equity | $12,530,600 | 4,474 |
| Average total loans | $80,953,600 | 4,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 3,202 |
| Cost of funding earning assets | 1.3050% | 4,181 |
| Net interest margin | 4.0273% | 2,967 |
| Noninterest income to average assets | 1.0094% | 1,441 |
| Noninterest expense to average assets | 3.2218% | 2,852 |
| Loan and lease loss provision to assets | 0.3812% | 3,601 |
| Net operating income to assets | 1.1219% | 1,820 |
| Return on assets (ROA) | 1.1729% | 1,762 |
| Pretax return on assets | 1.1937% | 2,512 |
| Return on Equity (ROE) | 12.0386% | 1,491 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,922 |
| Net charge-offs to loans | 0.5219% | 3,213 |
| Credit loss provision to net charge-offs | 114.7335% | 3,646 |
| Earnings coverage of net charge-offs (x) | 4.5831% | 2,989 |
| Efficiency ratio | 67.3765% | 4,588 |
| Assets per employee ($millions) | 3.4871% | 5,014 |
| Cash dividends to net income (ytd only)* | 57.7266% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,696 |
| Loan loss allowance to noncurrent loans | 39.7202% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.0346% | 3,424 |
| Noncurrent loans to loans | 2.9028% | 2,752 |
| Net loans and leases to total assets | 59.0667% | 5,094 |
| Net loans and leases to deposits | 65.6309% | 5,705 |
| Net loans and leases to core deposits | 68.5039% | 5,892 |
| Total domestic deposits to total assets | 89.9983% | 881 |
| Equity capital to assets | 9.5627% | 4,750 |
| Core capital (leverage) ratio | 9.0416% | 4,616 |
| Tier 1 risk-based capital ratio | 13.1142% | 4,489 |
| Total risk-based capital ratio | 14.1494% | 4,641 |
| Memoranda: | ||
| Average total assets | $127,999,000 | 4,372 |
| Average earning assets | $118,719,750 | 4,316 |
| Average equity | $12,470,750 | 4,557 |
| Average total loans | $81,496,500 | 4,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5063% | 2,488 |
| Cost of funding earning assets | 1.3355% | 4,294 |
| Net interest margin | 4.1708% | 2,259 |
| Noninterest income to average assets | 0.8250% | 1,996 |
| Noninterest expense to average assets | 3.1867% | 2,953 |
| Loan and lease loss provision to assets | 0.4021% | 3,310 |
| Net operating income to assets | 1.0588% | 1,988 |
| Return on assets (ROA) | 1.1362% | 1,803 |
| Pretax return on assets | 1.1681% | 2,522 |
| Return on Equity (ROE) | 11.5841% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.0762% | 2,863 |
| Net charge-offs to loans | 0.5713% | 2,826 |
| Credit loss provision to net charge-offs | 108.1545% | 3,764 |
| Earnings coverage of net charge-offs (x) | 4.0086% | 3,088 |
| Efficiency ratio | 67.5537% | 4,663 |
| Assets per employee ($millions) | 3.0753% | 5,988 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,893 |
| Loan loss allowance to noncurrent loans | 40.9091% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.0359% | 3,457 |
| Noncurrent loans to loans | 2.7164% | 2,937 |
| Net loans and leases to total assets | 64.1531% | 4,235 |
| Net loans and leases to deposits | 71.7988% | 5,025 |
| Net loans and leases to core deposits | 74.7673% | 5,356 |
| Total domestic deposits to total assets | 89.3512% | 1,254 |
| Equity capital to assets | 10.2031% | 3,764 |
| Core capital (leverage) ratio | 9.3687% | 4,010 |
| Tier 1 risk-based capital ratio | 12.9473% | 4,494 |
| Total risk-based capital ratio | 13.9529% | 4,654 |
| Memoranda: | ||
| Average total assets | $125,333,000 | 4,463 |
| Average earning assets | $115,757,670 | 4,419 |
| Average equity | $12,292,670 | 4,597 |
| Average total loans | $81,573,330 | 4,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 3,294 |
| Cost of funding earning assets | 1.3604% | 4,419 |
| Net interest margin | 3.9911% | 2,906 |
| Noninterest income to average assets | 0.7811% | 2,114 |
| Noninterest expense to average assets | 3.1179% | 3,193 |
| Loan and lease loss provision to assets | 0.2305% | 4,199 |
| Net operating income to assets | 1.0593% | 1,966 |
| Return on assets (ROA) | 1.2356% | 1,518 |
| Pretax return on assets | 1.2997% | 2,049 |
| Return on Equity (ROE) | 12.8597% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.1966% | 2,525 |
| Net charge-offs to loans | 0.5401% | 2,447 |
| Credit loss provision to net charge-offs | 65.4545% | 4,193 |
| Earnings coverage of net charge-offs (x) | 3.8182% | 2,772 |
| Efficiency ratio | 69.0818% | 4,490 |
| Assets per employee ($millions) | 3.0983% | 6,002 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 6,263 |
| Loan loss allowance to noncurrent loans | 32.5688% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 2.5740% | 2,835 |
| Noncurrent loans to loans | 3.2049% | 2,486 |
| Net loans and leases to total assets | 65.1747% | 4,066 |
| Net loans and leases to deposits | 73.8165% | 4,768 |
| Net loans and leases to core deposits | 76.9428% | 5,143 |
| Total domestic deposits to total assets | 88.2929% | 1,907 |
| Equity capital to assets | 9.7698% | 4,149 |
| Core capital (leverage) ratio | 8.8622% | 4,779 |
| Tier 1 risk-based capital ratio | 11.9782% | 5,215 |
| Total risk-based capital ratio | 12.8996% | 5,491 |
| Memoranda: | ||
| Average total assets | $124,955,000 | 4,522 |
| Average earning assets | $115,256,500 | 4,491 |
| Average equity | $12,006,500 | 4,715 |
| Average total loans | $81,460,500 | 4,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 3,101 |
| Cost of funding earning assets | 1.7843% | 4,080 |
| Net interest margin | 3.9176% | 3,201 |
| Noninterest income to average assets | 1.1430% | 1,180 |
| Noninterest expense to average assets | 3.2872% | 3,056 |
| Loan and lease loss provision to assets | 0.2813% | 5,172 |
| Net operating income to assets | 1.1861% | 1,280 |
| Return on assets (ROA) | 1.3354% | 1,013 |
| Pretax return on assets | 1.3485% | 1,562 |
| Return on Equity (ROE) | 14.5002% | 714 |
| Retained earnings to average equity (ytd only) | 7.7724% | 757 |
| Net charge-offs to loans | 0.4348% | 4,063 |
| Credit loss provision to net charge-offs | 98.0114% | 5,684 |
| Earnings coverage of net charge-offs (x) | 5.1534% | 2,673 |
| Efficiency ratio | 68.6452% | 4,896 |
| Assets per employee ($millions) | 3.2302% | 5,651 |
| Cash dividends to net income (ytd only)* | 46.3980% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 5,920 |
| Loan loss allowance to noncurrent loans | 36.3562% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 2,913 |
| Noncurrent loans to loans | 3.0112% | 2,559 |
| Net loans and leases to total assets | 63.8259% | 4,633 |
| Net loans and leases to deposits | 71.9768% | 5,333 |
| Net loans and leases to core deposits | 83.6717% | 5,747 |
| Total domestic deposits to total assets | 88.6757% | 1,641 |
| Equity capital to assets | 9.4501% | 4,487 |
| Core capital (leverage) ratio | 8.7675% | 4,812 |
| Tier 1 risk-based capital ratio | 11.4676% | 5,429 |
| Total risk-based capital ratio | 12.4051% | 5,726 |
| Memoranda: | ||
| Average total assets | $122,656,600 | 4,501 |
| Average earning assets | $113,436,600 | 4,462 |
| Average equity | $11,296,400 | 4,943 |
| Average total loans | $80,962,800 | 4,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 3,238 |
| Cost of funding earning assets | 1.8710% | 4,040 |
| Net interest margin | 3.8495% | 3,435 |
| Noninterest income to average assets | 1.2279% | 1,019 |
| Noninterest expense to average assets | 3.2822% | 2,987 |
| Loan and lease loss provision to assets | 0.2922% | 4,638 |
| Net operating income to assets | 1.2016% | 1,466 |
| Return on assets (ROA) | 1.3046% | 1,280 |
| Pretax return on assets | 1.3221% | 1,901 |
| Return on Equity (ROE) | 14.2611% | 887 |
| Retained earnings to average equity (ytd only) | 7.5613% | 1,285 |
| Net charge-offs to loans | 0.4781% | 3,315 |
| Credit loss provision to net charge-offs | 92.0690% | 5,431 |
| Earnings coverage of net charge-offs (x) | 4.7586% | 3,022 |
| Efficiency ratio | 68.1662% | 4,934 |
| Assets per employee ($millions) | 3.1262% | 5,839 |
| Cash dividends to net income (ytd only)* | 46.9801% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,849 |
| Loan loss allowance to noncurrent loans | 30.4530% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 2,801 |
| Noncurrent loans to loans | 3.5416% | 2,113 |
| Net loans and leases to total assets | 64.1053% | 4,846 |
| Net loans and leases to deposits | 71.1403% | 5,782 |
| Net loans and leases to core deposits | 81.5253% | 6,230 |
| Total domestic deposits to total assets | 90.1111% | 726 |
| Equity capital to assets | 9.3963% | 4,888 |
| Core capital (leverage) ratio | 8.5702% | 5,349 |
| Tier 1 risk-based capital ratio | 11.2996% | 5,637 |
| Total risk-based capital ratio | 12.2276% | 5,942 |
| Memoranda: | ||
| Average total assets | $121,826,500 | 4,547 |
| Average earning assets | $112,808,000 | 4,523 |
| Average equity | $11,144,250 | 5,032 |
| Average total loans | $80,879,500 | 4,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7111% | 3,473 |
| Cost of funding earning assets | 1.9692% | 3,920 |
| Net interest margin | 3.7419% | 3,787 |
| Noninterest income to average assets | 1.3548% | 831 |
| Noninterest expense to average assets | 3.3888% | 2,663 |
| Loan and lease loss provision to assets | 0.3429% | 3,878 |
| Net operating income to assets | 1.0681% | 1,877 |
| Return on assets (ROA) | 1.2223% | 1,493 |
| Pretax return on assets | 1.2488% | 2,166 |
| Return on Equity (ROE) | 13.4889% | 1,076 |
| Retained earnings to average equity (ytd only) | 6.9089% | 1,618 |
| Net charge-offs to loans | 0.7250% | 2,241 |
| Credit loss provision to net charge-offs | 70.6485% | 5,405 |
| Earnings coverage of net charge-offs (x) | 2.9556% | 3,624 |
| Efficiency ratio | 69.9863% | 4,786 |
| Assets per employee ($millions) | 3.0483% | 6,008 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,113 |
| Loan loss allowance to noncurrent loans | 25.3121% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8500% | 2,249 |
| Noncurrent loans to loans | 4.0101% | 1,689 |
| Net loans and leases to total assets | 64.8629% | 4,792 |
| Net loans and leases to deposits | 71.7176% | 5,774 |
| Net loans and leases to core deposits | 82.3344% | 6,212 |
| Total domestic deposits to total assets | 90.4421% | 652 |
| Equity capital to assets | 9.0100% | 5,298 |
| Core capital (leverage) ratio | 8.4598% | 5,510 |
| Tier 1 risk-based capital ratio | 11.2419% | 5,652 |
| Total risk-based capital ratio | 12.1176% | 5,953 |
| Memoranda: | ||
| Average total assets | $120,752,330 | 4,615 |
| Average earning assets | $111,922,330 | 4,576 |
| Average equity | $10,942,330 | 5,105 |
| Average total loans | $80,827,000 | 4,562 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 3,678 |
| Cost of funding earning assets | 2.0664% | 3,804 |
| Net interest margin | 3.6576% | 4,071 |
| Noninterest income to average assets | 1.4347% | 682 |
| Noninterest expense to average assets | 3.2356% | 2,839 |
| Loan and lease loss provision to assets | 0.4893% | 2,520 |
| Net operating income to assets | 1.0434% | 2,153 |
| Return on assets (ROA) | 1.1584% | 1,897 |
| Pretax return on assets | 1.2117% | 2,588 |
| Return on Equity (ROE) | 12.7467% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.7467% | 678 |
| Net charge-offs to loans | 1.3876% | 1,022 |
| Credit loss provision to net charge-offs | 52.1277% | 4,642 |
| Earnings coverage of net charge-offs (x) | 1.6844% | 3,885 |
| Efficiency ratio | 65.9986% | 5,332 |
| Assets per employee ($millions) | 3.1775% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,506 |
| Loan loss allowance to noncurrent loans | 27.1174% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 2,355 |
| Noncurrent loans to loans | 3.4959% | 1,821 |
| Net loans and leases to total assets | 64.2490% | 4,943 |
| Net loans and leases to deposits | 71.7150% | 5,780 |
| Net loans and leases to core deposits | 85.5445% | 5,942 |
| Total domestic deposits to total assets | 89.5893% | 977 |
| Equity capital to assets | 8.9646% | 5,397 |
| Core capital (leverage) ratio | 8.4775% | 5,583 |
| Tier 1 risk-based capital ratio | 11.1429% | 5,766 |
| Total risk-based capital ratio | 11.9615% | 6,082 |
| Memoranda: | ||
| Average total assets | $120,163,000 | 4,649 |
| Average earning assets | $111,112,500 | 4,605 |
| Average equity | $10,920,500 | 5,129 |
| Average total loans | $81,291,000 | 4,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3845% | 3,499 |
| Cost of funding earning assets | 2.6132% | 3,618 |
| Net interest margin | 3.7714% | 4,134 |
| Noninterest income to average assets | 0.8409% | 2,290 |
| Noninterest expense to average assets | 2.8844% | 4,504 |
| Loan and lease loss provision to assets | 0.6864% | 2,127 |
| Net operating income to assets | 0.7414% | 3,712 |
| Return on assets (ROA) | 0.8130% | 3,218 |
| Pretax return on assets | 0.8139% | 4,018 |
| Return on Equity (ROE) | 9.1864% | 2,574 |
| Retained earnings to average equity (ytd only) | 3.7594% | 2,795 |
| Net charge-offs to loans | 0.5412% | 2,203 |
| Credit loss provision to net charge-offs | 176.2332% | 2,878 |
| Earnings coverage of net charge-offs (x) | 3.6682% | 4,260 |
| Efficiency ratio | 66.5722% | 5,010 |
| Assets per employee ($millions) | 3.0633% | 5,884 |
| Cash dividends to net income (ytd only)* | 59.0763% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,343 |
| Loan loss allowance to noncurrent loans | 35.7941% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2817% | 2,132 |
| Noncurrent loans to loans | 3.0486% | 1,752 |
| Net loans and leases to total assets | 69.8467% | 4,052 |
| Net loans and leases to deposits | 78.2471% | 5,303 |
| Net loans and leases to core deposits | 95.1893% | 5,331 |
| Total domestic deposits to total assets | 89.2642% | 937 |
| Equity capital to assets | 9.2195% | 5,046 |
| Core capital (leverage) ratio | 8.4494% | 5,657 |
| Tier 1 risk-based capital ratio | 10.6897% | 6,011 |
| Total risk-based capital ratio | 11.6442% | 6,195 |
| Memoranda: | ||
| Average total assets | $114,513,400 | 4,660 |
| Average earning assets | $105,426,400 | 4,631 |
| Average equity | $10,134,600 | 5,364 |
| Average total loans | $82,407,800 | 4,440 |