Home > Freedom Bank, Inc. > Performance and Condition Ratios
Freedom Bank, Inc., 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 | 4.5871% | 3,766 |
| Cost of funding earning assets | 0.7265% | 4,184 |
| Net interest margin | 3.8606% | 1,551 |
| Noninterest income to average assets | 0.7200% | 983 |
| Noninterest expense to average assets | 2.9481% | 1,231 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 1.0041% | 2,261 |
| Return on assets (ROA) | 1.0041% | 2,260 |
| Pretax return on assets | 1.2123% | 2,220 |
| Return on Equity (ROE) | 11.2200% | 1,957 |
| Retained earnings to average equity (ytd only) | 11.2229% | 918 |
| Net charge-offs to loans | -0.0244% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.9263% | 1,936 |
| Assets per employee ($millions) | 4.3480% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,505 |
| Loan loss allowance to noncurrent loans | 133.9709% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 1,079 |
| Noncurrent loans to loans | 1.0049% | 1,055 |
| Net loans and leases to total assets | 61.4800% | 2,751 |
| Net loans and leases to deposits | 68.4828% | 2,952 |
| Net loans and leases to core deposits | 72.2075% | 3,184 |
| Total domestic deposits to total assets | 89.7800% | 890 |
| Equity capital to assets | 8.9951% | 2,933 |
| Core capital (leverage) ratio | 11.6752% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $205,558,000 | 2,984 |
| Average earning assets | $189,400,500 | 2,981 |
| Average equity | $18,391,000 | 3,117 |
| Average total loans | $130,899,500 | 2,928 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 3,555 |
| Cost of funding earning assets | 0.8396% | 4,149 |
| Net interest margin | 3.8860% | 1,375 |
| Noninterest income to average assets | 0.7300% | 1,087 |
| Noninterest expense to average assets | 3.0044% | 1,135 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.9779% | 2,129 |
| Return on assets (ROA) | 0.9791% | 2,115 |
| Pretax return on assets | 1.1903% | 2,008 |
| Return on Equity (ROE) | 11.5000% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.2402% | 1,350 |
| Net charge-offs to loans | 0.2570% | 580 |
| Credit loss provision to net charge-offs | 63.2184% | 2,258 |
| Earnings coverage of net charge-offs (x) | 7.6983% | 2,418 |
| Efficiency ratio | 69.8752% | 2,011 |
| Assets per employee ($millions) | 4.3067% | 3,999 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 1,774 |
| Loan loss allowance to noncurrent loans | 245.4810% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 1,523 |
| Noncurrent loans to loans | 0.5208% | 1,773 |
| Net loans and leases to total assets | 64.2500% | 2,553 |
| Net loans and leases to deposits | 71.4375% | 2,837 |
| Net loans and leases to core deposits | 75.4289% | 3,076 |
| Total domestic deposits to total assets | 89.9400% | 835 |
| Equity capital to assets | 8.8971% | 2,900 |
| Core capital (leverage) ratio | 11.3092% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $206,831,600 | 2,954 |
| Average earning assets | $189,964,800 | 2,959 |
| Average equity | $17,610,000 | 3,133 |
| Average total loans | $135,402,200 | 2,863 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 3,683 |
| Cost of funding earning assets | 0.8392% | 4,168 |
| Net interest margin | 3.7698% | 1,504 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 2.9855% | 1,130 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.9121% | 2,340 |
| Return on assets (ROA) | 0.9137% | 2,340 |
| Pretax return on assets | 1.1093% | 2,224 |
| Return on Equity (ROE) | 10.8500% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.1397% | 2,411 |
| Net charge-offs to loans | 0.1144% | 900 |
| Credit loss provision to net charge-offs | 76.9231% | 1,871 |
| Earnings coverage of net charge-offs (x) | 15.5299% | 1,912 |
| Efficiency ratio | 71.9296% | 1,792 |
| Assets per employee ($millions) | 4.1248% | 4,080 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 1,556 |
| Loan loss allowance to noncurrent loans | 153.1330% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 842 |
| Noncurrent loans to loans | 0.8753% | 1,148 |
| Net loans and leases to total assets | 62.4200% | 2,683 |
| Net loans and leases to deposits | 71.5512% | 2,847 |
| Net loans and leases to core deposits | 75.6642% | 3,089 |
| Total domestic deposits to total assets | 87.2400% | 1,509 |
| Equity capital to assets | 8.7965% | 3,179 |
| Core capital (leverage) ratio | 10.7268% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $207,936,000 | 2,940 |
| Average earning assets | $190,808,000 | 2,946 |
| Average equity | $17,510,250 | 3,141 |
| Average total loans | $136,320,000 | 2,856 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 3,713 |
| Cost of funding earning assets | 0.8110% | 4,171 |
| Net interest margin | 3.7316% | 1,541 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.9451% | 1,183 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9062% | 2,287 |
| Return on assets (ROA) | 0.9086% | 2,286 |
| Pretax return on assets | 1.0718% | 2,281 |
| Return on Equity (ROE) | 10.9600% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.2237% | 3,275 |
| Net charge-offs to loans | 0.1004% | 866 |
| Credit loss provision to net charge-offs | 86.9565% | 1,603 |
| Earnings coverage of net charge-offs (x) | 16.9130% | 1,719 |
| Efficiency ratio | 72.3263% | 1,822 |
| Assets per employee ($millions) | 4.2645% | 4,035 |
| Cash dividends to net income (ytd only)* | 79.7024% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,587 |
| Loan loss allowance to noncurrent loans | 207.6037% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 1,145 |
| Noncurrent loans to loans | 0.6440% | 1,434 |
| Net loans and leases to total assets | 62.3700% | 2,721 |
| Net loans and leases to deposits | 70.6828% | 2,943 |
| Net loans and leases to core deposits | 74.3928% | 3,138 |
| Total domestic deposits to total assets | 88.2400% | 1,237 |
| Equity capital to assets | 8.0052% | 3,425 |
| Core capital (leverage) ratio | 10.4774% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $207,125,667 | 2,949 |
| Average earning assets | $189,891,667 | 2,957 |
| Average equity | $17,178,667 | 3,138 |
| Average total loans | $137,394,333 | 2,834 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 3,754 |
| Cost of funding earning assets | 0.7495% | 4,211 |
| Net interest margin | 3.7003% | 1,535 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.8950% | 1,245 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.9260% | 2,162 |
| Return on assets (ROA) | 0.9310% | 2,161 |
| Pretax return on assets | 1.0976% | 2,146 |
| Return on Equity (ROE) | 11.0300% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.0250% | 904 |
| Net charge-offs to loans | 0.1875% | 470 |
| Credit loss provision to net charge-offs | 46.1538% | 1,408 |
| Earnings coverage of net charge-offs (x) | 9.0308% | 1,683 |
| Efficiency ratio | 71.5601% | 1,984 |
| Assets per employee ($millions) | 4.0860% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 1,825 |
| Loan loss allowance to noncurrent loans | 272.3926% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 1,245 |
| Noncurrent loans to loans | 0.4718% | 1,748 |
| Net loans and leases to total assets | 66.7700% | 2,144 |
| Net loans and leases to deposits | 76.6840% | 2,368 |
| Net loans and leases to core deposits | 78.5920% | 2,826 |
| Total domestic deposits to total assets | 87.0800% | 1,748 |
| Equity capital to assets | 8.4782% | 3,040 |
| Core capital (leverage) ratio | 11.0172% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $204,076,000 | 2,978 |
| Average earning assets | $186,797,000 | 2,983 |
| Average equity | $17,233,500 | 3,153 |
| Average total loans | $138,696,000 | 2,820 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,585 |
| Cost of funding earning assets | 0.5698% | 4,113 |
| Net interest margin | 3.6517% | 1,855 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.9065% | 1,262 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9467% | 2,383 |
| Return on assets (ROA) | 0.9467% | 2,371 |
| Pretax return on assets | 1.1214% | 2,348 |
| Return on Equity (ROE) | 12.8400% | 1,773 |
| Retained earnings to average equity (ytd only) | 12.8400% | 523 |
| Net charge-offs to loans | 0.0162% | 2,052 |
| Credit loss provision to net charge-offs | 695.6522% | 532 |
| Earnings coverage of net charge-offs (x) | 106.8261% | 872 |
| Efficiency ratio | 71.1416% | 1,743 |
| Assets per employee ($millions) | 3.8462% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,763 |
| Loan loss allowance to noncurrent loans | 198.7925% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 851 |
| Noncurrent loans to loans | 0.6545% | 1,199 |
| Net loans and leases to total assets | 67.3900% | 2,105 |
| Net loans and leases to deposits | 77.3451% | 2,327 |
| Net loans and leases to core deposits | 78.9501% | 2,767 |
| Total domestic deposits to total assets | 87.1400% | 1,632 |
| Equity capital to assets | 8.4110% | 3,113 |
| Core capital (leverage) ratio | 10.8255% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,397,200 | 2,929 |
| Average earning assets | $190,762,600 | 2,939 |
| Average equity | $15,366,000 | 3,235 |
| Average total loans | $141,697,600 | 2,747 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,566 |
| Cost of funding earning assets | 0.5291% | 4,091 |
| Net interest margin | 3.6157% | 1,960 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.7896% | 1,457 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8488% | 2,866 |
| Return on assets (ROA) | 0.8488% | 2,847 |
| Pretax return on assets | 1.1619% | 2,386 |
| Return on Equity (ROE) | 11.9200% | 2,142 |
| Retained earnings to average equity (ytd only) | 11.9203% | 985 |
| Net charge-offs to loans | 0.0225% | 1,639 |
| Credit loss provision to net charge-offs | 375.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 79.8333% | 1,048 |
| Efficiency ratio | 69.5873% | 1,834 |
| Assets per employee ($millions) | 3.7907% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,203 |
| Loan loss allowance to noncurrent loans | 357.2895% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 1,265 |
| Noncurrent loans to loans | 0.3449% | 1,989 |
| Net loans and leases to total assets | 68.1300% | 2,031 |
| Net loans and leases to deposits | 76.4692% | 2,379 |
| Net loans and leases to core deposits | 78.0991% | 2,737 |
| Total domestic deposits to total assets | 89.0900% | 1,217 |
| Equity capital to assets | 7.0284% | 3,594 |
| Core capital (leverage) ratio | 10.3002% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,533,750 | 2,924 |
| Average earning assets | $191,751,500 | 2,942 |
| Average equity | $14,921,000 | 3,267 |
| Average total loans | $142,323,000 | 2,745 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,674 |
| Cost of funding earning assets | 0.4692% | 4,039 |
| Net interest margin | 3.5376% | 2,183 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.8123% | 1,396 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8165% | 3,034 |
| Return on assets (ROA) | 0.8165% | 3,045 |
| Pretax return on assets | 1.1480% | 2,514 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.4180% | 1,097 |
| Net charge-offs to loans | 0.0280% | 1,328 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 63.6000% | 1,166 |
| Efficiency ratio | 70.0071% | 1,762 |
| Assets per employee ($millions) | 4.2472% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,424 |
| Loan loss allowance to noncurrent loans | 258.1325% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 1,072 |
| Noncurrent loans to loans | 0.4658% | 1,547 |
| Net loans and leases to total assets | 67.6700% | 1,991 |
| Net loans and leases to deposits | 76.5693% | 2,253 |
| Net loans and leases to core deposits | 78.7732% | 2,560 |
| Total domestic deposits to total assets | 88.3800% | 1,466 |
| Equity capital to assets | 7.4646% | 3,539 |
| Core capital (leverage) ratio | 10.1422% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $211,146,000 | 2,926 |
| Average earning assets | $193,521,667 | 2,939 |
| Average equity | $15,099,000 | 3,259 |
| Average total loans | $142,697,333 | 2,745 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,603 |
| Cost of funding earning assets | 0.4173% | 3,916 |
| Net interest margin | 3.5171% | 2,316 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.7161% | 1,630 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8069% | 3,176 |
| Return on assets (ROA) | 0.8069% | 3,129 |
| Pretax return on assets | 1.1154% | 2,668 |
| Return on Equity (ROE) | 11.5300% | 2,345 |
| Retained earnings to average equity (ytd only) | 11.5315% | 1,355 |
| Net charge-offs to loans | 0.0364% | 1,006 |
| Credit loss provision to net charge-offs | 230.7692% | 774 |
| Earnings coverage of net charge-offs (x) | 47.9231% | 1,117 |
| Efficiency ratio | 69.8597% | 1,762 |
| Assets per employee ($millions) | 4.0019% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,627 |
| Loan loss allowance to noncurrent loans | 213.5101% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 450 |
| Noncurrent loans to loans | 0.5560% | 1,330 |
| Net loans and leases to total assets | 66.3600% | 2,020 |
| Net loans and leases to deposits | 74.0975% | 2,287 |
| Net loans and leases to core deposits | 76.2601% | 2,507 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 7.1899% | 3,737 |
| Core capital (leverage) ratio | 9.7903% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $212,661,500 | 2,954 |
| Average earning assets | $194,592,500 | 2,967 |
| Average equity | $14,881,000 | 3,318 |
| Average total loans | $142,774,000 | 2,774 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 2,530 |
| Cost of funding earning assets | 0.2128% | 3,652 |
| Net interest margin | 3.4843% | 1,975 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.7336% | 1,483 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8704% | 3,081 |
| Return on assets (ROA) | 0.7712% | 3,365 |
| Pretax return on assets | 0.9198% | 3,296 |
| Return on Equity (ROE) | 10.5800% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.0644% | 2,619 |
| Net charge-offs to loans | 0.0530% | 1,138 |
| Credit loss provision to net charge-offs | 84.5070% | 1,660 |
| Earnings coverage of net charge-offs (x) | 31.9296% | 1,653 |
| Efficiency ratio | 71.9431% | 1,451 |
| Assets per employee ($millions) | 4.0230% | 4,277 |
| Cash dividends to net income (ytd only)* | 42.6829% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,531 |
| Loan loss allowance to noncurrent loans | 278.5358% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 415 |
| Noncurrent loans to loans | 0.4200% | 1,670 |
| Net loans and leases to total assets | 66.3300% | 1,998 |
| Net loans and leases to deposits | 72.3418% | 2,382 |
| Net loans and leases to core deposits | 77.4165% | 2,323 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 6.8061% | 3,767 |
| Core capital (leverage) ratio | 9.6295% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $212,651,200 | 2,961 |
| Average earning assets | $195,045,800 | 2,971 |
| Average equity | $15,500,200 | 3,326 |
| Average total loans | $134,045,200 | 2,787 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 2,265 |
| Cost of funding earning assets | 0.1976% | 3,310 |
| Net interest margin | 3.4295% | 1,866 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.7568% | 1,331 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7212% | 3,505 |
| Return on assets (ROA) | 0.6964% | 3,538 |
| Pretax return on assets | 0.9493% | 3,187 |
| Return on Equity (ROE) | 9.4000% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.4714% | 3,639 |
| Net charge-offs to loans | 0.0637% | 854 |
| Credit loss provision to net charge-offs | 71.4286% | 1,449 |
| Earnings coverage of net charge-offs (x) | 25.5238% | 1,604 |
| Efficiency ratio | 73.2089% | 1,359 |
| Assets per employee ($millions) | 4.0400% | 4,300 |
| Cash dividends to net income (ytd only)* | 63.0631% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,559 |
| Loan loss allowance to noncurrent loans | 179.4403% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 243 |
| Noncurrent loans to loans | 0.6656% | 1,226 |
| Net loans and leases to total assets | 64.4100% | 2,050 |
| Net loans and leases to deposits | 69.4633% | 2,413 |
| Net loans and leases to core deposits | 71.4069% | 2,537 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 6.0280% | 3,952 |
| Core capital (leverage) ratio | 9.1749% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $212,509,000 | 2,985 |
| Average earning assets | $194,969,000 | 2,984 |
| Average equity | $15,747,250 | 3,341 |
| Average total loans | $131,781,500 | 2,811 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 2,060 |
| Cost of funding earning assets | 0.1951% | 2,978 |
| Net interest margin | 3.3287% | 1,824 |
| Noninterest income to average assets | 0.6661% | 1,475 |
| Noninterest expense to average assets | 2.7768% | 1,211 |
| Loan and lease loss provision to assets | 0.0283% | 2,080 |
| Net operating income to assets | 0.6770% | 3,388 |
| Return on assets (ROA) | 0.6397% | 3,459 |
| Pretax return on assets | 0.8728% | 3,141 |
| Return on Equity (ROE) | 8.1227% | 2,987 |
| Retained earnings to average equity (ytd only) | -0.2636% | 4,211 |
| Net charge-offs to loans | 0.0604% | 802 |
| Credit loss provision to net charge-offs | 76.9231% | 1,402 |
| Earnings coverage of net charge-offs (x) | 25.7692% | 1,458 |
| Efficiency ratio | 74.5441% | 1,449 |
| Assets per employee ($millions) | 4.0939% | 4,318 |
| Cash dividends to net income (ytd only)* | 103.2448% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,391 |
| Loan loss allowance to noncurrent loans | 169.1221% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 229 |
| Noncurrent loans to loans | 0.7437% | 1,157 |
| Net loans and leases to total assets | 63.0199% | 2,012 |
| Net loans and leases to deposits | 68.3764% | 2,354 |
| Net loans and leases to core deposits | 70.3494% | 2,467 |
| Total domestic deposits to total assets | 92.1662% | 775 |
| Equity capital to assets | 6.5751% | 3,988 |
| Core capital (leverage) ratio | 9.0470% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,972,667 | 3,015 |
| Average earning assets | $194,791,667 | 3,028 |
| Average equity | $16,694,000 | 3,341 |
| Average total loans | $129,182,667 | 2,855 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 2,204 |
| Cost of funding earning assets | 0.1929% | 2,895 |
| Net interest margin | 3.1684% | 1,975 |
| Noninterest income to average assets | 0.6143% | 1,631 |
| Noninterest expense to average assets | 2.6971% | 1,372 |
| Loan and lease loss provision to assets | 0.0281% | 1,861 |
| Net operating income to assets | 0.6068% | 3,373 |
| Return on assets (ROA) | 0.6068% | 3,353 |
| Pretax return on assets | 0.8110% | 3,083 |
| Return on Equity (ROE) | 7.1299% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.1299% | 1,847 |
| Net charge-offs to loans | 0.1447% | 396 |
| Credit loss provision to net charge-offs | 32.6087% | 1,255 |
| Earnings coverage of net charge-offs (x) | 9.7391% | 1,477 |
| Efficiency ratio | 76.2712% | 1,491 |
| Assets per employee ($millions) | 3.8204% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,418 |
| Loan loss allowance to noncurrent loans | 159.0385% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 238 |
| Noncurrent loans to loans | 0.8107% | 1,167 |
| Net loans and leases to total assets | 59.1916% | 2,165 |
| Net loans and leases to deposits | 65.1033% | 2,422 |
| Net loans and leases to core deposits | 66.9594% | 2,539 |
| Total domestic deposits to total assets | 90.9195% | 1,076 |
| Equity capital to assets | 7.9335% | 3,620 |
| Core capital (leverage) ratio | 9.2090% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,565,000 | 3,014 |
| Average earning assets | $196,945,000 | 3,028 |
| Average equity | $18,177,000 | 3,311 |
| Average total loans | $127,147,000 | 2,881 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 2,034 |
| Cost of funding earning assets | 0.2121% | 3,345 |
| Net interest margin | 3.5172% | 1,681 |
| Noninterest income to average assets | 0.4845% | 2,651 |
| Noninterest expense to average assets | 2.7582% | 1,464 |
| Loan and lease loss provision to assets | 0.1187% | 1,056 |
| Net operating income to assets | 0.6798% | 3,674 |
| Return on assets (ROA) | 0.6798% | 3,725 |
| Pretax return on assets | 0.8538% | 3,615 |
| Return on Equity (ROE) | 7.1774% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.7844% | 3,300 |
| Net charge-offs to loans | 0.0334% | 1,567 |
| Credit loss provision to net charge-offs | 571.4286% | 745 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 1,337 |
| Efficiency ratio | 73.9332% | 1,314 |
| Assets per employee ($millions) | 3.9479% | 4,442 |
| Cash dividends to net income (ytd only)* | 47.2727% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,195 |
| Loan loss allowance to noncurrent loans | 176.2552% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 278 |
| Noncurrent loans to loans | 0.7587% | 1,337 |
| Net loans and leases to total assets | 58.3145% | 2,342 |
| Net loans and leases to deposits | 64.9472% | 2,600 |
| Net loans and leases to core deposits | 66.9939% | 2,733 |
| Total domestic deposits to total assets | 89.7875% | 1,069 |
| Equity capital to assets | 9.0910% | 3,525 |
| Core capital (leverage) ratio | 9.0410% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,272,000 | 3,048 |
| Average earning assets | $186,680,600 | 3,050 |
| Average equity | $19,157,400 | 3,288 |
| Average total loans | $125,863,600 | 2,902 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 2,071 |
| Cost of funding earning assets | 0.2176% | 3,444 |
| Net interest margin | 3.5585% | 1,701 |
| Noninterest income to average assets | 0.5606% | 2,371 |
| Noninterest expense to average assets | 2.7830% | 1,382 |
| Loan and lease loss provision to assets | 0.1203% | 983 |
| Net operating income to assets | 0.7036% | 3,757 |
| Return on assets (ROA) | 0.7036% | 3,827 |
| Pretax return on assets | 0.9361% | 3,615 |
| Return on Equity (ROE) | 7.3500% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.8130% | 3,960 |
| Net charge-offs to loans | 0.0424% | 1,252 |
| Credit loss provision to net charge-offs | 450.0000% | 810 |
| Earnings coverage of net charge-offs (x) | 39.5250% | 1,376 |
| Efficiency ratio | 72.4852% | 1,361 |
| Assets per employee ($millions) | 3.8011% | 4,545 |
| Cash dividends to net income (ytd only)* | 61.7284% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,300 |
| Loan loss allowance to noncurrent loans | 170.5451% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 299 |
| Noncurrent loans to loans | 0.7833% | 1,443 |
| Net loans and leases to total assets | 57.4769% | 2,562 |
| Net loans and leases to deposits | 64.1417% | 2,838 |
| Net loans and leases to core deposits | 66.0828% | 2,946 |
| Total domestic deposits to total assets | 89.6094% | 962 |
| Equity capital to assets | 9.2254% | 3,629 |
| Core capital (leverage) ratio | 9.2063% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,542,750 | 3,104 |
| Average earning assets | $183,853,750 | 3,108 |
| Average equity | $19,101,500 | 3,334 |
| Average total loans | $125,828,250 | 2,937 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 2,130 |
| Cost of funding earning assets | 0.2236% | 3,525 |
| Net interest margin | 3.5523% | 1,705 |
| Noninterest income to average assets | 0.6722% | 1,919 |
| Noninterest expense to average assets | 2.7550% | 1,455 |
| Loan and lease loss provision to assets | 0.1222% | 1,029 |
| Net operating income to assets | 0.7710% | 3,591 |
| Return on assets (ROA) | 0.7710% | 3,654 |
| Pretax return on assets | 1.0633% | 3,305 |
| Return on Equity (ROE) | 7.9518% | 3,419 |
| Retained earnings to average equity (ytd only) | 1.1240% | 4,314 |
| Net charge-offs to loans | 0.0818% | 852 |
| Credit loss provision to net charge-offs | 230.7692% | 990 |
| Earnings coverage of net charge-offs (x) | 22.3846% | 1,487 |
| Efficiency ratio | 69.9147% | 1,649 |
| Assets per employee ($millions) | 3.9312% | 4,487 |
| Cash dividends to net income (ytd only)* | 85.8653% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,765 |
| Loan loss allowance to noncurrent loans | 73.7666% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.4246% | 151 |
| Noncurrent loans to loans | 1.6699% | 639 |
| Net loans and leases to total assets | 62.1876% | 2,156 |
| Net loans and leases to deposits | 69.5945% | 2,456 |
| Net loans and leases to core deposits | 71.4012% | 2,657 |
| Total domestic deposits to total assets | 89.3571% | 1,103 |
| Equity capital to assets | 9.4917% | 3,334 |
| Core capital (leverage) ratio | 9.2120% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,369,333 | 3,131 |
| Average earning assets | $180,671,000 | 3,128 |
| Average equity | $19,039,667 | 3,334 |
| Average total loans | $127,174,333 | 2,931 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 1,907 |
| Cost of funding earning assets | 0.2240% | 3,689 |
| Net interest margin | 3.6462% | 1,457 |
| Noninterest income to average assets | 0.6485% | 2,032 |
| Noninterest expense to average assets | 2.8038% | 1,359 |
| Loan and lease loss provision to assets | 0.1235% | 1,110 |
| Net operating income to assets | 0.8028% | 3,416 |
| Return on assets (ROA) | 0.8028% | 3,486 |
| Pretax return on assets | 1.0725% | 3,186 |
| Return on Equity (ROE) | 8.1913% | 3,272 |
| Retained earnings to average equity (ytd only) | 8.1913% | 2,178 |
| Net charge-offs to loans | 0.0157% | 1,427 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 116.2000% | 559 |
| Efficiency ratio | 70.0978% | 1,684 |
| Assets per employee ($millions) | 3.7121% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,767 |
| Loan loss allowance to noncurrent loans | 84.4932% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.7184% | 130 |
| Noncurrent loans to loans | 1.4550% | 863 |
| Net loans and leases to total assets | 61.8056% | 2,306 |
| Net loans and leases to deposits | 69.1208% | 2,591 |
| Net loans and leases to core deposits | 70.7502% | 2,806 |
| Total domestic deposits to total assets | 89.4169% | 1,117 |
| Equity capital to assets | 9.5215% | 3,179 |
| Core capital (leverage) ratio | 9.8800% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,309,000 | 3,131 |
| Average earning assets | $178,594,500 | 3,138 |
| Average equity | $19,044,500 | 3,325 |
| Average total loans | $127,644,000 | 2,931 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 2,247 |
| Cost of funding earning assets | 0.3371% | 3,938 |
| Net interest margin | 3.8272% | 1,428 |
| Noninterest income to average assets | 0.5788% | 2,311 |
| Noninterest expense to average assets | 2.8370% | 1,844 |
| Loan and lease loss provision to assets | 0.1342% | 2,680 |
| Net operating income to assets | 0.9249% | 2,587 |
| Return on assets (ROA) | 0.7220% | 3,492 |
| Pretax return on assets | 0.8931% | 3,384 |
| Return on Equity (ROE) | 7.1084% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.4282% | 3,646 |
| Net charge-offs to loans | 0.3361% | 524 |
| Credit loss provision to net charge-offs | 53.9326% | 3,124 |
| Earnings coverage of net charge-offs (x) | 5.1348% | 2,893 |
| Efficiency ratio | 68.9454% | 2,107 |
| Assets per employee ($millions) | 3.5503% | 4,631 |
| Cash dividends to net income (ytd only)* | 65.8404% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,229 |
| Loan loss allowance to noncurrent loans | 74.9118% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 2.9543% | 129 |
| Noncurrent loans to loans | 1.5286% | 867 |
| Net loans and leases to total assets | 68.2208% | 1,799 |
| Net loans and leases to deposits | 76.7844% | 2,199 |
| Net loans and leases to core deposits | 78.6050% | 2,498 |
| Total domestic deposits to total assets | 88.8471% | 1,051 |
| Equity capital to assets | 10.0990% | 3,033 |
| Core capital (leverage) ratio | 10.0269% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,814,400 | 3,114 |
| Average earning assets | $165,212,000 | 3,119 |
| Average equity | $18,161,600 | 3,350 |
| Average total loans | $132,384,600 | 2,837 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 2,459 |
| Cost of funding earning assets | 0.3644% | 3,980 |
| Net interest margin | 3.8083% | 1,599 |
| Noninterest income to average assets | 0.5417% | 2,418 |
| Noninterest expense to average assets | 2.8490% | 1,826 |
| Loan and lease loss provision to assets | 0.1360% | 2,656 |
| Net operating income to assets | 0.8121% | 3,046 |
| Return on assets (ROA) | 0.5447% | 4,013 |
| Pretax return on assets | 0.7396% | 3,799 |
| Return on Equity (ROE) | 5.3551% | 3,771 |
| Retained earnings to average equity (ytd only) | -0.9581% | 4,612 |
| Net charge-offs to loans | 0.2065% | 739 |
| Credit loss provision to net charge-offs | 87.3786% | 2,715 |
| Earnings coverage of net charge-offs (x) | 7.8010% | 2,547 |
| Efficiency ratio | 70.1190% | 1,869 |
| Assets per employee ($millions) | 3.6320% | 4,592 |
| Cash dividends to net income (ytd only)* | 117.8918% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,491 |
| Loan loss allowance to noncurrent loans | 39.4413% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 3.0432% | 147 |
| Noncurrent loans to loans | 3.1219% | 289 |
| Net loans and leases to total assets | 72.1443% | 1,642 |
| Net loans and leases to deposits | 81.2124% | 2,179 |
| Net loans and leases to core deposits | 83.5381% | 2,520 |
| Total domestic deposits to total assets | 88.8341% | 845 |
| Equity capital to assets | 9.9064% | 3,318 |
| Core capital (leverage) ratio | 9.7074% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,476,250 | 3,120 |
| Average earning assets | $163,184,750 | 3,124 |
| Average equity | $17,951,250 | 3,375 |
| Average total loans | $133,016,750 | 2,840 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,705 |
| Cost of funding earning assets | 0.3868% | 4,098 |
| Net interest margin | 3.8293% | 1,743 |
| Noninterest income to average assets | 0.6949% | 1,754 |
| Noninterest expense to average assets | 2.7795% | 2,137 |
| Loan and lease loss provision to assets | 0.1383% | 2,634 |
| Net operating income to assets | 1.0290% | 2,221 |
| Return on assets (ROA) | 0.6211% | 3,747 |
| Pretax return on assets | 0.7974% | 3,592 |
| Return on Equity (ROE) | 6.0499% | 3,490 |
| Retained earnings to average equity (ytd only) | -3.4908% | 4,691 |
| Net charge-offs to loans | 0.0681% | 1,563 |
| Credit loss provision to net charge-offs | 266.6667% | 1,702 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,476 |
| Efficiency ratio | 65.6863% | 2,566 |
| Assets per employee ($millions) | 3.5521% | 4,630 |
| Cash dividends to net income (ytd only)* | 157.6994% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,981 |
| Loan loss allowance to noncurrent loans | 35.7692% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.5488% | 108 |
| Noncurrent loans to loans | 3.6466% | 209 |
| Net loans and leases to total assets | 72.3852% | 1,637 |
| Net loans and leases to deposits | 81.3193% | 2,273 |
| Net loans and leases to core deposits | 83.6165% | 2,640 |
| Total domestic deposits to total assets | 89.0135% | 735 |
| Equity capital to assets | 9.8209% | 3,350 |
| Core capital (leverage) ratio | 9.6634% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,557,333 | 3,131 |
| Average earning assets | $160,291,333 | 3,128 |
| Average equity | $17,818,333 | 3,383 |
| Average total loans | $132,255,333 | 2,837 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,609 |
| Cost of funding earning assets | 0.4115% | 4,322 |
| Net interest margin | 3.9904% | 1,416 |
| Noninterest income to average assets | 0.7429% | 1,486 |
| Noninterest expense to average assets | 3.2480% | 1,320 |
| Loan and lease loss provision to assets | 0.1429% | 1,958 |
| Net operating income to assets | 0.8029% | 2,898 |
| Return on assets (ROA) | 0.6525% | 3,501 |
| Pretax return on assets | 0.8334% | 3,322 |
| Return on Equity (ROE) | 6.2070% | 3,234 |
| Retained earnings to average equity (ytd only) | -13.0483% | 4,853 |
| Net charge-offs to loans | 0.1408% | 893 |
| Credit loss provision to net charge-offs | 130.4348% | 1,665 |
| Earnings coverage of net charge-offs (x) | 10.6522% | 1,759 |
| Efficiency ratio | 73.5707% | 1,877 |
| Assets per employee ($millions) | 3.2066% | 4,687 |
| Cash dividends to net income (ytd only)* | 310.2190% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,137 |
| Loan loss allowance to noncurrent loans | 36.8307% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.9435% | 102 |
| Noncurrent loans to loans | 3.5384% | 264 |
| Net loans and leases to total assets | 76.0235% | 1,301 |
| Net loans and leases to deposits | 85.9279% | 2,010 |
| Net loans and leases to core deposits | 88.5819% | 2,477 |
| Total domestic deposits to total assets | 88.4737% | 898 |
| Equity capital to assets | 10.0388% | 3,748 |
| Core capital (leverage) ratio | 10.4667% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,981,500 | 3,153 |
| Average earning assets | $154,569,500 | 3,149 |
| Average equity | $17,657,500 | 3,408 |
| Average total loans | $130,648,500 | 2,825 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 2,984 |
| Cost of funding earning assets | 0.4007% | 4,440 |
| Net interest margin | 4.0884% | 1,575 |
| Noninterest income to average assets | 0.8880% | 1,196 |
| Noninterest expense to average assets | 3.1556% | 1,628 |
| Loan and lease loss provision to assets | 0.2127% | 941 |
| Net operating income to assets | 1.0220% | 2,761 |
| Return on assets (ROA) | 0.8776% | 3,375 |
| Pretax return on assets | 1.0910% | 3,192 |
| Return on Equity (ROE) | 8.2701% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.2611% | 2,829 |
| Net charge-offs to loans | 0.1877% | 1,079 |
| Credit loss provision to net charge-offs | 141.7004% | 1,823 |
| Earnings coverage of net charge-offs (x) | 9.8866% | 2,618 |
| Efficiency ratio | 68.0115% | 2,457 |
| Assets per employee ($millions) | 3.0743% | 4,786 |
| Cash dividends to net income (ytd only)* | 48.4765% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 1,934 |
| Loan loss allowance to noncurrent loans | 39.7743% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 3.8117% | 110 |
| Noncurrent loans to loans | 3.2625% | 264 |
| Net loans and leases to total assets | 77.5222% | 1,156 |
| Net loans and leases to deposits | 88.4655% | 1,776 |
| Net loans and leases to core deposits | 91.2848% | 2,298 |
| Total domestic deposits to total assets | 87.6299% | 1,301 |
| Equity capital to assets | 10.9955% | 3,005 |
| Core capital (leverage) ratio | 10.8649% | 2,625 |
| Tier 1 risk-based capital ratio | 16.0819% | 2,377 |
| Total risk-based capital ratio | 17.3355% | 2,322 |
| Memoranda: | ||
| Average total assets | $164,533,600 | 3,161 |
| Average earning assets | $150,987,200 | 3,166 |
| Average equity | $17,460,400 | 3,393 |
| Average total loans | $131,624,200 | 2,804 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 3,152 |
| Cost of funding earning assets | 0.3966% | 4,516 |
| Net interest margin | 4.0735% | 1,690 |
| Noninterest income to average assets | 0.9405% | 1,060 |
| Noninterest expense to average assets | 3.1220% | 1,664 |
| Loan and lease loss provision to assets | 0.2193% | 784 |
| Net operating income to assets | 0.9865% | 3,029 |
| Return on assets (ROA) | 0.7959% | 3,761 |
| Pretax return on assets | 1.0948% | 3,308 |
| Return on Equity (ROE) | 7.5694% | 3,483 |
| Retained earnings to average equity (ytd only) | 2.1627% | 4,216 |
| Net charge-offs to loans | 0.2203% | 803 |
| Credit loss provision to net charge-offs | 123.8532% | 1,901 |
| Earnings coverage of net charge-offs (x) | 8.7844% | 2,626 |
| Efficiency ratio | 66.7477% | 2,628 |
| Assets per employee ($millions) | 3.1026% | 4,836 |
| Cash dividends to net income (ytd only)* | 71.4288% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,209 |
| Loan loss allowance to noncurrent loans | 41.7409% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.6159% | 133 |
| Noncurrent loans to loans | 3.0066% | 322 |
| Net loans and leases to total assets | 77.0219% | 1,312 |
| Net loans and leases to deposits | 89.2647% | 1,784 |
| Net loans and leases to core deposits | 92.1202% | 2,351 |
| Total domestic deposits to total assets | 86.2849% | 1,873 |
| Equity capital to assets | 10.6203% | 3,446 |
| Core capital (leverage) ratio | 10.6736% | 2,953 |
| Tier 1 risk-based capital ratio | 15.8147% | 2,510 |
| Total risk-based capital ratio | 17.0677% | 2,448 |
| Memoranda: | ||
| Average total assets | $164,163,750 | 3,194 |
| Average earning assets | $150,597,250 | 3,204 |
| Average equity | $17,262,000 | 3,436 |
| Average total loans | $131,933,000 | 2,834 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 3,329 |
| Cost of funding earning assets | 0.3802% | 4,584 |
| Net interest margin | 4.0203% | 1,855 |
| Noninterest income to average assets | 0.9605% | 952 |
| Noninterest expense to average assets | 3.1342% | 1,652 |
| Loan and lease loss provision to assets | 0.2208% | 751 |
| Net operating income to assets | 0.9858% | 2,973 |
| Return on assets (ROA) | 0.6980% | 4,071 |
| Pretax return on assets | 0.9249% | 3,774 |
| Return on Equity (ROE) | 6.6608% | 3,812 |
| Retained earnings to average equity (ytd only) | -1.5335% | 4,880 |
| Net charge-offs to loans | 0.2493% | 675 |
| Credit loss provision to net charge-offs | 109.0909% | 1,853 |
| Earnings coverage of net charge-offs (x) | 7.4606% | 2,488 |
| Efficiency ratio | 67.4855% | 2,615 |
| Assets per employee ($millions) | 2.9932% | 4,917 |
| Cash dividends to net income (ytd only)* | 123.0228% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,470 |
| Loan loss allowance to noncurrent loans | 50.1093% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9382% | 210 |
| Noncurrent loans to loans | 2.4153% | 502 |
| Net loans and leases to total assets | 79.5295% | 960 |
| Net loans and leases to deposits | 92.0265% | 1,485 |
| Net loans and leases to core deposits | 93.6718% | 2,267 |
| Total domestic deposits to total assets | 86.4202% | 1,845 |
| Equity capital to assets | 10.5019% | 3,515 |
| Core capital (leverage) ratio | 10.4904% | 3,105 |
| Tier 1 risk-based capital ratio | 15.2814% | 2,723 |
| Total risk-based capital ratio | 16.5336% | 2,655 |
| Memoranda: | ||
| Average total assets | $163,039,000 | 3,223 |
| Average earning assets | $149,391,670 | 3,230 |
| Average equity | $17,085,000 | 3,457 |
| Average total loans | $132,350,330 | 2,842 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 3,274 |
| Cost of funding earning assets | 0.3816% | 4,566 |
| Net interest margin | 4.0071% | 1,838 |
| Noninterest income to average assets | 0.8629% | 1,134 |
| Noninterest expense to average assets | 3.0620% | 1,827 |
| Loan and lease loss provision to assets | 0.2958% | 441 |
| Net operating income to assets | 0.8875% | 3,282 |
| Return on assets (ROA) | 0.8875% | 3,335 |
| Pretax return on assets | 1.1809% | 2,874 |
| Return on Equity (ROE) | 8.4791% | 3,050 |
| Retained earnings to average equity (ytd only) | -8.0080% | 5,029 |
| Net charge-offs to loans | 0.4174% | 369 |
| Credit loss provision to net charge-offs | 86.9565% | 1,736 |
| Earnings coverage of net charge-offs (x) | 4.3406% | 2,329 |
| Efficiency ratio | 67.4633% | 2,719 |
| Assets per employee ($millions) | 2.9133% | 5,017 |
| Cash dividends to net income (ytd only)* | 194.4444% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,659 |
| Loan loss allowance to noncurrent loans | 50.0478% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.9293% | 214 |
| Noncurrent loans to loans | 2.3688% | 566 |
| Net loans and leases to total assets | 80.2628% | 800 |
| Net loans and leases to deposits | 90.7877% | 1,530 |
| Net loans and leases to core deposits | 92.5517% | 2,252 |
| Total domestic deposits to total assets | 88.4072% | 1,127 |
| Equity capital to assets | 10.3510% | 3,473 |
| Core capital (leverage) ratio | 10.3776% | 3,188 |
| Tier 1 risk-based capital ratio | 15.0562% | 2,871 |
| Total risk-based capital ratio | 16.3079% | 2,783 |
| Memoranda: | ||
| Average total assets | $162,245,000 | 3,273 |
| Average earning assets | $148,835,500 | 3,278 |
| Average equity | $16,983,000 | 3,477 |
| Average total loans | $132,260,000 | 2,879 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,558 |
| Cost of funding earning assets | 0.3061% | 4,545 |
| Net interest margin | 3.8522% | 2,491 |
| Noninterest income to average assets | 0.9853% | 971 |
| Noninterest expense to average assets | 3.1316% | 1,723 |
| Loan and lease loss provision to assets | 0.1500% | 1,414 |
| Net operating income to assets | 0.9443% | 3,265 |
| Return on assets (ROA) | 0.8746% | 3,513 |
| Pretax return on assets | 1.1241% | 3,190 |
| Return on Equity (ROE) | 8.5050% | 3,215 |
| Retained earnings to average equity (ytd only) | 5.8179% | 2,287 |
| Net charge-offs to loans | 0.3006% | 644 |
| Credit loss provision to net charge-offs | 61.3811% | 3,087 |
| Earnings coverage of net charge-offs (x) | 5.5729% | 3,180 |
| Efficiency ratio | 69.6856% | 2,242 |
| Assets per employee ($millions) | 2.9879% | 4,999 |
| Cash dividends to net income (ytd only)* | 31.5940% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,551 |
| Loan loss allowance to noncurrent loans | 42.8186% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 3.4113% | 160 |
| Noncurrent loans to loans | 2.8113% | 388 |
| Net loans and leases to total assets | 80.8300% | 822 |
| Net loans and leases to deposits | 94.9205% | 1,178 |
| Net loans and leases to core deposits | 96.8534% | 1,977 |
| Total domestic deposits to total assets | 85.1555% | 2,585 |
| Equity capital to assets | 10.5853% | 3,094 |
| Core capital (leverage) ratio | 10.9380% | 2,587 |
| Tier 1 risk-based capital ratio | 15.4635% | 2,641 |
| Total risk-based capital ratio | 16.7157% | 2,558 |
| Memoranda: | ||
| Average total assets | $159,952,400 | 3,283 |
| Average earning assets | $145,683,200 | 3,304 |
| Average equity | $16,449,200 | 3,465 |
| Average total loans | $130,066,600 | 2,876 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,624 |
| Cost of funding earning assets | 0.3014% | 4,501 |
| Net interest margin | 3.8001% | 2,644 |
| Noninterest income to average assets | 0.8688% | 1,288 |
| Noninterest expense to average assets | 3.1343% | 1,679 |
| Loan and lease loss provision to assets | 0.0501% | 2,983 |
| Net operating income to assets | 0.7978% | 3,908 |
| Return on assets (ROA) | 0.7978% | 3,917 |
| Pretax return on assets | 1.1395% | 3,246 |
| Return on Equity (ROE) | 7.8156% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,675 |
| Net charge-offs to loans | 0.0628% | 1,930 |
| Credit loss provision to net charge-offs | 98.3607% | 2,315 |
| Earnings coverage of net charge-offs (x) | 23.3446% | 1,846 |
| Efficiency ratio | 72.4884% | 1,810 |
| Assets per employee ($millions) | 2.8857% | 5,116 |
| Cash dividends to net income (ytd only)* | 46.2829% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 1,956 |
| Loan loss allowance to noncurrent loans | 44.1483% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 3.7528% | 142 |
| Noncurrent loans to loans | 3.0169% | 360 |
| Net loans and leases to total assets | 82.6714% | 608 |
| Net loans and leases to deposits | 95.8926% | 1,170 |
| Net loans and leases to core deposits | 97.8847% | 1,944 |
| Total domestic deposits to total assets | 86.2125% | 2,094 |
| Equity capital to assets | 10.6379% | 3,004 |
| Core capital (leverage) ratio | 10.6831% | 2,901 |
| Tier 1 risk-based capital ratio | 15.1932% | 2,794 |
| Total risk-based capital ratio | 16.4473% | 2,714 |
| Memoranda: | ||
| Average total assets | $159,604,000 | 3,309 |
| Average earning assets | $145,113,500 | 3,340 |
| Average equity | $16,291,750 | 3,509 |
| Average total loans | $129,582,000 | 2,904 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 3,828 |
| Cost of funding earning assets | 0.2910% | 4,484 |
| Net interest margin | 3.6938% | 2,953 |
| Noninterest income to average assets | 0.7883% | 1,505 |
| Noninterest expense to average assets | 3.0772% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7584% | 4,003 |
| Return on assets (ROA) | 0.7584% | 4,004 |
| Pretax return on assets | 1.0730% | 3,423 |
| Return on Equity (ROE) | 7.5324% | 3,704 |
| Retained earnings to average equity (ytd only) | 2.0745% | 4,431 |
| Net charge-offs to loans | 0.0712% | 1,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.7609% | 1,881 |
| Efficiency ratio | 74.1462% | 1,689 |
| Assets per employee ($millions) | 3.0841% | 5,038 |
| Cash dividends to net income (ytd only)* | 72.4590% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,114 |
| Loan loss allowance to noncurrent loans | 52.9872% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.2244% | 216 |
| Noncurrent loans to loans | 2.4727% | 528 |
| Net loans and leases to total assets | 79.5638% | 1,089 |
| Net loans and leases to deposits | 91.7001% | 1,621 |
| Net loans and leases to core deposits | 93.5325% | 2,263 |
| Total domestic deposits to total assets | 86.7651% | 1,943 |
| Equity capital to assets | 10.1738% | 3,461 |
| Core capital (leverage) ratio | 10.3103% | 3,228 |
| Tier 1 risk-based capital ratio | 14.7674% | 2,982 |
| Total risk-based capital ratio | 16.0208% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,862,330 | 3,312 |
| Average earning assets | $146,406,000 | 3,341 |
| Average equity | $16,196,670 | 3,533 |
| Average total loans | $129,254,330 | 2,916 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,780 |
| Cost of funding earning assets | 0.2864% | 4,446 |
| Net interest margin | 3.6654% | 2,938 |
| Noninterest income to average assets | 0.7175% | 1,754 |
| Noninterest expense to average assets | 2.9545% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7945% | 3,727 |
| Return on assets (ROA) | 0.7945% | 3,732 |
| Pretax return on assets | 1.0999% | 3,176 |
| Return on Equity (ROE) | 7.9321% | 3,406 |
| Retained earnings to average equity (ytd only) | -3.0241% | 5,086 |
| Net charge-offs to loans | 0.1300% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.5476% | 1,895 |
| Efficiency ratio | 72.8720% | 2,060 |
| Assets per employee ($millions) | 3.0515% | 5,117 |
| Cash dividends to net income (ytd only)* | 138.1250% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,169 |
| Loan loss allowance to noncurrent loans | 42.1549% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 3.7390% | 181 |
| Noncurrent loans to loans | 3.1210% | 369 |
| Net loans and leases to total assets | 78.7503% | 1,121 |
| Net loans and leases to deposits | 90.6678% | 1,605 |
| Net loans and leases to core deposits | 93.0988% | 2,202 |
| Total domestic deposits to total assets | 86.8558% | 2,182 |
| Equity capital to assets | 9.9123% | 3,684 |
| Core capital (leverage) ratio | 10.1744% | 3,335 |
| Tier 1 risk-based capital ratio | 14.4533% | 3,143 |
| Total risk-based capital ratio | 15.7065% | 3,054 |
| Memoranda: | ||
| Average total assets | $161,107,500 | 3,340 |
| Average earning assets | $146,667,000 | 3,377 |
| Average equity | $16,137,000 | 3,568 |
| Average total loans | $129,235,500 | 2,943 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,446 |
| Cost of funding earning assets | 0.2983% | 4,162 |
| Net interest margin | 3.6883% | 2,842 |
| Noninterest income to average assets | 0.8616% | 1,379 |
| Noninterest expense to average assets | 3.0146% | 2,134 |
| Loan and lease loss provision to assets | 0.0745% | 2,712 |
| Net operating income to assets | 0.5797% | 4,100 |
| Return on assets (ROA) | 0.5491% | 4,257 |
| Pretax return on assets | 1.0809% | 3,263 |
| Return on Equity (ROE) | 5.5486% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.5044% | 3,827 |
| Net charge-offs to loans | 0.6655% | 324 |
| Credit loss provision to net charge-offs | 13.9697% | 3,645 |
| Earnings coverage of net charge-offs (x) | 2.2549% | 3,772 |
| Efficiency ratio | 71.4728% | 2,304 |
| Assets per employee ($millions) | 3.0280% | 5,177 |
| Cash dividends to net income (ytd only)* | 54.8643% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,003 |
| Loan loss allowance to noncurrent loans | 41.9682% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.7791% | 164 |
| Noncurrent loans to loans | 3.2037% | 334 |
| Net loans and leases to total assets | 79.5527% | 1,024 |
| Net loans and leases to deposits | 91.7322% | 1,564 |
| Net loans and leases to core deposits | 94.3956% | 2,159 |
| Total domestic deposits to total assets | 86.7228% | 2,131 |
| Equity capital to assets | 10.1211% | 3,574 |
| Core capital (leverage) ratio | 10.1350% | 3,261 |
| Tier 1 risk-based capital ratio | 14.7155% | 2,983 |
| Total risk-based capital ratio | 15.9700% | 2,912 |
| Memoranda: | ||
| Average total assets | $160,982,800 | 3,334 |
| Average earning assets | $146,490,000 | 3,365 |
| Average equity | $15,932,000 | 3,603 |
| Average total loans | $129,071,400 | 2,927 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,311 |
| Cost of funding earning assets | 0.2983% | 4,152 |
| Net interest margin | 3.7140% | 2,699 |
| Noninterest income to average assets | 0.8574% | 1,405 |
| Noninterest expense to average assets | 3.0232% | 2,051 |
| Loan and lease loss provision to assets | 0.0497% | 3,101 |
| Net operating income to assets | 0.7531% | 3,719 |
| Return on assets (ROA) | 0.7531% | 3,780 |
| Pretax return on assets | 1.1644% | 3,045 |
| Return on Equity (ROE) | 7.6528% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.5741% | 3,789 |
| Net charge-offs to loans | 0.5499% | 364 |
| Credit loss provision to net charge-offs | 11.2782% | 3,215 |
| Earnings coverage of net charge-offs (x) | 2.7575% | 3,426 |
| Efficiency ratio | 71.3477% | 2,312 |
| Assets per employee ($millions) | 2.9802% | 5,277 |
| Cash dividends to net income (ytd only)* | 53.2968% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,379 |
| Loan loss allowance to noncurrent loans | 45.7384% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.9874% | 168 |
| Noncurrent loans to loans | 3.3783% | 330 |
| Net loans and leases to total assets | 79.4620% | 1,059 |
| Net loans and leases to deposits | 91.5967% | 1,613 |
| Net loans and leases to core deposits | 94.2442% | 2,255 |
| Total domestic deposits to total assets | 86.7521% | 1,975 |
| Equity capital to assets | 10.1099% | 3,790 |
| Core capital (leverage) ratio | 10.0495% | 3,510 |
| Tier 1 risk-based capital ratio | 14.6182% | 3,120 |
| Total risk-based capital ratio | 15.8762% | 3,035 |
| Memoranda: | ||
| Average total assets | $161,107,000 | 3,361 |
| Average earning assets | $146,612,750 | 3,391 |
| Average equity | $15,854,250 | 3,647 |
| Average total loans | $128,986,500 | 2,951 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 3,512 |
| Cost of funding earning assets | 0.2960% | 4,123 |
| Net interest margin | 3.6169% | 2,966 |
| Noninterest income to average assets | 0.9320% | 1,179 |
| Noninterest expense to average assets | 3.0441% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7644% | 3,571 |
| Return on assets (ROA) | 0.7644% | 3,617 |
| Pretax return on assets | 1.1789% | 2,859 |
| Return on Equity (ROE) | 7.8393% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.6671% | 4,590 |
| Net charge-offs to loans | 0.0420% | 2,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 35.1852% | 1,355 |
| Efficiency ratio | 72.0835% | 2,327 |
| Assets per employee ($millions) | 3.0506% | 5,220 |
| Cash dividends to net income (ytd only)* | 78.7338% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 733 |
| Loan loss allowance to noncurrent loans | 51.5126% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 3.4803% | 234 |
| Noncurrent loans to loans | 3.6720% | 291 |
| Net loans and leases to total assets | 78.6582% | 1,145 |
| Net loans and leases to deposits | 91.6413% | 1,545 |
| Net loans and leases to core deposits | 94.3023% | 2,126 |
| Total domestic deposits to total assets | 85.8328% | 2,459 |
| Equity capital to assets | 9.8866% | 4,042 |
| Core capital (leverage) ratio | 9.7786% | 3,804 |
| Tier 1 risk-based capital ratio | 14.5305% | 3,148 |
| Total risk-based capital ratio | 15.7930% | 3,065 |
| Memoranda: | ||
| Average total assets | $161,165,670 | 3,385 |
| Average earning assets | $146,645,330 | 3,406 |
| Average equity | $15,715,670 | 3,674 |
| Average total loans | $128,686,670 | 2,966 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 3,609 |
| Cost of funding earning assets | 0.2985% | 4,060 |
| Net interest margin | 3.5441% | 3,104 |
| Noninterest income to average assets | 0.8527% | 1,387 |
| Noninterest expense to average assets | 2.9756% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7010% | 3,696 |
| Return on assets (ROA) | 0.7010% | 3,737 |
| Pretax return on assets | 1.0938% | 3,014 |
| Return on Equity (ROE) | 7.2396% | 3,300 |
| Retained earnings to average equity (ytd only) | -5.2115% | 5,399 |
| Net charge-offs to loans | 0.0967% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.1935% | 1,738 |
| Efficiency ratio | 73.1216% | 2,386 |
| Assets per employee ($millions) | 3.0072% | 5,347 |
| Cash dividends to net income (ytd only)* | 171.9858% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 777 |
| Loan loss allowance to noncurrent loans | 52.8383% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.8417% | 200 |
| Noncurrent loans to loans | 3.6147% | 323 |
| Net loans and leases to total assets | 76.0144% | 1,418 |
| Net loans and leases to deposits | 87.9275% | 1,808 |
| Net loans and leases to core deposits | 90.4535% | 2,316 |
| Total domestic deposits to total assets | 86.4512% | 2,466 |
| Equity capital to assets | 9.3673% | 4,425 |
| Core capital (leverage) ratio | 9.9052% | 3,617 |
| Tier 1 risk-based capital ratio | 13.8898% | 3,548 |
| Total risk-based capital ratio | 15.1520% | 3,451 |
| Memoranda: | ||
| Average total assets | $160,907,000 | 3,413 |
| Average earning assets | $146,047,000 | 3,448 |
| Average equity | $15,581,000 | 3,712 |
| Average total loans | $128,215,500 | 2,989 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,229 |
| Cost of funding earning assets | 0.3364% | 3,676 |
| Net interest margin | 3.6527% | 2,878 |
| Noninterest income to average assets | 0.7440% | 1,980 |
| Noninterest expense to average assets | 3.1870% | 1,823 |
| Loan and lease loss provision to assets | 0.1539% | 1,625 |
| Net operating income to assets | 0.5019% | 4,626 |
| Return on assets (ROA) | 0.6241% | 4,227 |
| Pretax return on assets | 0.8857% | 3,891 |
| Return on Equity (ROE) | 6.3141% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.3141% | 1,558 |
| Net charge-offs to loans | 0.4991% | 494 |
| Credit loss provision to net charge-offs | 38.8979% | 3,505 |
| Earnings coverage of net charge-offs (x) | 2.1864% | 3,869 |
| Efficiency ratio | 78.6483% | 1,601 |
| Assets per employee ($millions) | 2.8966% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 754 |
| Loan loss allowance to noncurrent loans | 81.1988% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.0406% | 329 |
| Noncurrent loans to loans | 2.3803% | 678 |
| Net loans and leases to total assets | 80.4122% | 827 |
| Net loans and leases to deposits | 96.6037% | 942 |
| Net loans and leases to core deposits | 98.8922% | 1,717 |
| Total domestic deposits to total assets | 83.2392% | 3,680 |
| Equity capital to assets | 10.0173% | 3,704 |
| Core capital (leverage) ratio | 10.1311% | 3,327 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,247 |
| Total risk-based capital ratio | 15.6394% | 3,176 |
| Memoranda: | ||
| Average total assets | $155,914,000 | 3,439 |
| Average earning assets | $141,212,400 | 3,482 |
| Average equity | $15,410,000 | 3,765 |
| Average total loans | $123,628,200 | 3,017 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,273 |
| Cost of funding earning assets | 0.3390% | 3,666 |
| Net interest margin | 3.6475% | 2,900 |
| Noninterest income to average assets | 0.6804% | 2,261 |
| Noninterest expense to average assets | 3.1683% | 1,859 |
| Loan and lease loss provision to assets | 0.2054% | 1,025 |
| Net operating income to assets | 0.3885% | 5,056 |
| Return on assets (ROA) | 0.5375% | 4,652 |
| Pretax return on assets | 0.8456% | 4,169 |
| Return on Equity (ROE) | 5.4565% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4565% | 2,516 |
| Net charge-offs to loans | 0.7447% | 247 |
| Credit loss provision to net charge-offs | 35.0877% | 3,189 |
| Earnings coverage of net charge-offs (x) | 1.3977% | 3,700 |
| Efficiency ratio | 79.4762% | 1,497 |
| Assets per employee ($millions) | 2.8392% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 853 |
| Loan loss allowance to noncurrent loans | 78.0330% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 3.0732% | 364 |
| Noncurrent loans to loans | 2.4343% | 734 |
| Net loans and leases to total assets | 79.7709% | 919 |
| Net loans and leases to deposits | 95.3353% | 1,117 |
| Net loans and leases to core deposits | 98.0549% | 1,807 |
| Total domestic deposits to total assets | 83.6740% | 3,331 |
| Equity capital to assets | 10.0009% | 4,124 |
| Core capital (leverage) ratio | 9.7926% | 3,816 |
| Tier 1 risk-based capital ratio | 14.1253% | 3,490 |
| Total risk-based capital ratio | 15.3901% | 3,413 |
| Memoranda: | ||
| Average total assets | $155,787,750 | 3,454 |
| Average earning assets | $141,205,750 | 3,499 |
| Average equity | $15,345,250 | 3,800 |
| Average total loans | $122,470,500 | 3,031 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 3,415 |
| Cost of funding earning assets | 0.3395% | 3,691 |
| Net interest margin | 3.6128% | 3,045 |
| Noninterest income to average assets | 0.7927% | 1,744 |
| Noninterest expense to average assets | 3.1478% | 1,936 |
| Loan and lease loss provision to assets | 0.3084% | 568 |
| Net operating income to assets | 0.4304% | 4,939 |
| Return on assets (ROA) | 0.4304% | 5,026 |
| Pretax return on assets | 0.6039% | 4,876 |
| Return on Equity (ROE) | 4.3921% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.3921% | 3,121 |
| Net charge-offs to loans | 1.0515% | 167 |
| Credit loss provision to net charge-offs | 37.7358% | 2,794 |
| Earnings coverage of net charge-offs (x) | 1.1164% | 3,453 |
| Efficiency ratio | 77.5316% | 1,857 |
| Assets per employee ($millions) | 2.8249% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 690 |
| Loan loss allowance to noncurrent loans | 76.7072% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 3.1409% | 381 |
| Noncurrent loans to loans | 2.6564% | 629 |
| Net loans and leases to total assets | 76.1209% | 1,473 |
| Net loans and leases to deposits | 88.6461% | 1,904 |
| Net loans and leases to core deposits | 93.0863% | 2,251 |
| Total domestic deposits to total assets | 85.8705% | 2,478 |
| Equity capital to assets | 9.9762% | 4,256 |
| Core capital (leverage) ratio | 9.5612% | 4,114 |
| Tier 1 risk-based capital ratio | 14.3384% | 3,413 |
| Total risk-based capital ratio | 15.6048% | 3,325 |
| Memoranda: | ||
| Average total assets | $155,665,000 | 3,475 |
| Average earning assets | $140,778,670 | 3,527 |
| Average equity | $15,254,670 | 3,830 |
| Average total loans | $120,967,670 | 3,062 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,581 |
| Cost of funding earning assets | 0.3411% | 3,702 |
| Net interest margin | 3.5621% | 3,232 |
| Noninterest income to average assets | 0.7907% | 1,662 |
| Noninterest expense to average assets | 3.0883% | 2,129 |
| Loan and lease loss provision to assets | 0.3081% | 507 |
| Net operating income to assets | 0.4313% | 4,894 |
| Return on assets (ROA) | 0.4313% | 4,973 |
| Pretax return on assets | 0.6110% | 4,788 |
| Return on Equity (ROE) | 4.4409% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.4409% | 3,266 |
| Net charge-offs to loans | 2.0845% | 73 |
| Credit loss provision to net charge-offs | 19.0174% | 2,308 |
| Earnings coverage of net charge-offs (x) | 0.5674% | 2,917 |
| Efficiency ratio | 77.0660% | 2,034 |
| Assets per employee ($millions) | 2.7525% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 884 |
| Loan loss allowance to noncurrent loans | 73.3500% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 3.1002% | 399 |
| Noncurrent loans to loans | 2.6680% | 675 |
| Net loans and leases to total assets | 74.8794% | 1,575 |
| Net loans and leases to deposits | 86.9522% | 1,948 |
| Net loans and leases to core deposits | 91.2446% | 2,253 |
| Total domestic deposits to total assets | 86.1156% | 2,623 |
| Equity capital to assets | 9.7071% | 4,440 |
| Core capital (leverage) ratio | 9.6002% | 4,036 |
| Tier 1 risk-based capital ratio | 14.2383% | 3,543 |
| Total risk-based capital ratio | 15.5033% | 3,462 |
| Memoranda: | ||
| Average total assets | $155,812,500 | 3,496 |
| Average earning assets | $140,704,000 | 3,548 |
| Average equity | $15,132,000 | 3,856 |
| Average total loans | $121,087,000 | 3,069 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 2,855 |
| Cost of funding earning assets | 0.3759% | 3,415 |
| Net interest margin | 3.7412% | 2,600 |
| Noninterest income to average assets | 0.6757% | 2,314 |
| Noninterest expense to average assets | 3.1224% | 2,170 |
| Loan and lease loss provision to assets | 0.2872% | 616 |
| Net operating income to assets | 0.5314% | 4,579 |
| Return on assets (ROA) | 0.5281% | 4,668 |
| Pretax return on assets | 0.6339% | 4,729 |
| Return on Equity (ROE) | 5.4286% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.7445% | 4,118 |
| Net charge-offs to loans | 0.1848% | 1,558 |
| Credit loss provision to net charge-offs | 199.0950% | 1,408 |
| Earnings coverage of net charge-offs (x) | 6.4118% | 3,231 |
| Efficiency ratio | 77.1452% | 2,096 |
| Assets per employee ($millions) | 2.8133% | 5,690 |
| Cash dividends to net income (ytd only)* | 49.4438% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 495 |
| Loan loss allowance to noncurrent loans | 54.6080% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 4.5007% | 213 |
| Noncurrent loans to loans | 4.2747% | 263 |
| Net loans and leases to total assets | 77.2255% | 1,223 |
| Net loans and leases to deposits | 89.7032% | 1,649 |
| Net loans and leases to core deposits | 93.0514% | 2,127 |
| Total domestic deposits to total assets | 86.0900% | 2,596 |
| Equity capital to assets | 9.7163% | 4,278 |
| Core capital (leverage) ratio | 9.3741% | 4,365 |
| Tier 1 risk-based capital ratio | 13.8454% | 3,805 |
| Total risk-based capital ratio | 15.1173% | 3,723 |
| Memoranda: | ||
| Average total assets | $153,181,200 | 3,522 |
| Average earning assets | $138,058,000 | 3,560 |
| Average equity | $14,902,600 | 3,852 |
| Average total loans | $119,604,600 | 3,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,777 |
| Cost of funding earning assets | 0.3786% | 3,456 |
| Net interest margin | 3.7616% | 2,520 |
| Noninterest income to average assets | 0.7915% | 1,834 |
| Noninterest expense to average assets | 3.1222% | 2,163 |
| Loan and lease loss provision to assets | 0.3141% | 451 |
| Net operating income to assets | 0.5405% | 4,629 |
| Return on assets (ROA) | 0.5367% | 4,747 |
| Pretax return on assets | 0.7400% | 4,536 |
| Return on Equity (ROE) | 5.5144% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.5144% | 2,565 |
| Net charge-offs to loans | 0.1592% | 1,552 |
| Credit loss provision to net charge-offs | 253.5211% | 1,126 |
| Earnings coverage of net charge-offs (x) | 8.5493% | 2,802 |
| Efficiency ratio | 74.6661% | 2,447 |
| Assets per employee ($millions) | 2.8734% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 567 |
| Loan loss allowance to noncurrent loans | 54.1027% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 4.4927% | 245 |
| Noncurrent loans to loans | 4.2749% | 272 |
| Net loans and leases to total assets | 77.7162% | 1,148 |
| Net loans and leases to deposits | 90.4221% | 1,590 |
| Net loans and leases to core deposits | 94.2601% | 2,051 |
| Total domestic deposits to total assets | 85.9482% | 2,553 |
| Equity capital to assets | 9.7756% | 4,415 |
| Core capital (leverage) ratio | 9.5230% | 4,273 |
| Tier 1 risk-based capital ratio | 13.6223% | 4,069 |
| Total risk-based capital ratio | 14.8942% | 3,984 |
| Memoranda: | ||
| Average total assets | $152,794,000 | 3,554 |
| Average earning assets | $137,702,500 | 3,604 |
| Average equity | $14,869,750 | 3,895 |
| Average total loans | $118,919,000 | 3,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,885 |
| Cost of funding earning assets | 0.3872% | 3,403 |
| Net interest margin | 3.7169% | 2,640 |
| Noninterest income to average assets | 0.7881% | 1,830 |
| Noninterest expense to average assets | 3.1131% | 2,209 |
| Loan and lease loss provision to assets | 0.3158% | 458 |
| Net operating income to assets | 0.5083% | 4,728 |
| Return on assets (ROA) | 0.5026% | 4,864 |
| Pretax return on assets | 0.6987% | 4,658 |
| Return on Equity (ROE) | 5.1725% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.1725% | 2,749 |
| Net charge-offs to loans | 0.2214% | 1,155 |
| Credit loss provision to net charge-offs | 184.6154% | 1,319 |
| Earnings coverage of net charge-offs (x) | 5.9769% | 2,850 |
| Efficiency ratio | 75.2784% | 2,498 |
| Assets per employee ($millions) | 2.7377% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2381% | 697 |
| Loan loss allowance to noncurrent loans | 49.2029% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.9637% | 225 |
| Noncurrent loans to loans | 4.5487% | 294 |
| Net loans and leases to total assets | 79.6897% | 843 |
| Net loans and leases to deposits | 90.2379% | 1,569 |
| Net loans and leases to core deposits | 92.0558% | 2,154 |
| Total domestic deposits to total assets | 88.3107% | 1,491 |
| Equity capital to assets | 9.8908% | 4,167 |
| Core capital (leverage) ratio | 9.5055% | 4,276 |
| Tier 1 risk-based capital ratio | 13.5308% | 4,199 |
| Total risk-based capital ratio | 14.8023% | 4,117 |
| Memoranda: | ||
| Average total assets | $152,004,670 | 3,599 |
| Average earning assets | $136,890,000 | 3,644 |
| Average equity | $14,770,330 | 3,927 |
| Average total loans | $117,411,670 | 3,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,783 |
| Cost of funding earning assets | 0.3929% | 3,379 |
| Net interest margin | 3.7194% | 2,559 |
| Noninterest income to average assets | 0.7255% | 2,043 |
| Noninterest expense to average assets | 2.9623% | 2,696 |
| Loan and lease loss provision to assets | 0.3143% | 441 |
| Net operating income to assets | 0.5605% | 4,443 |
| Return on assets (ROA) | 0.5605% | 4,549 |
| Pretax return on assets | 0.7962% | 4,255 |
| Return on Equity (ROE) | 5.8196% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.8196% | 2,597 |
| Net charge-offs to loans | 0.0593% | 2,161 |
| Credit loss provision to net charge-offs | 705.8824% | 428 |
| Earnings coverage of net charge-offs (x) | 24.9412% | 1,282 |
| Efficiency ratio | 72.7331% | 3,041 |
| Assets per employee ($millions) | 2.8610% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 608 |
| Loan loss allowance to noncurrent loans | 48.8849% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 4.9923% | 246 |
| Noncurrent loans to loans | 4.9208% | 277 |
| Net loans and leases to total assets | 73.3112% | 1,597 |
| Net loans and leases to deposits | 82.0920% | 2,332 |
| Net loans and leases to core deposits | 83.8385% | 2,792 |
| Total domestic deposits to total assets | 89.3038% | 1,092 |
| Equity capital to assets | 9.7868% | 4,400 |
| Core capital (leverage) ratio | 9.3648% | 4,479 |
| Tier 1 risk-based capital ratio | 13.9969% | 4,019 |
| Total risk-based capital ratio | 15.2647% | 3,925 |
| Memoranda: | ||
| Average total assets | $152,720,000 | 3,612 |
| Average earning assets | $137,440,500 | 3,664 |
| Average equity | $14,709,000 | 3,961 |
| Average total loans | $114,748,000 | 3,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,148 |
| Cost of funding earning assets | 0.4303% | 3,380 |
| Net interest margin | 3.7145% | 2,956 |
| Noninterest income to average assets | 0.6971% | 2,315 |
| Noninterest expense to average assets | 3.0790% | 2,593 |
| Loan and lease loss provision to assets | 0.3832% | 480 |
| Net operating income to assets | 0.4295% | 5,114 |
| Return on assets (ROA) | 0.4419% | 5,144 |
| Pretax return on assets | 0.5765% | 5,010 |
| Return on Equity (ROE) | 4.5808% | 4,850 |
| Retained earnings to average equity (ytd only) | 1.0986% | 5,280 |
| Net charge-offs to loans | 1.1106% | 255 |
| Credit loss provision to net charge-offs | 49.7835% | 3,484 |
| Earnings coverage of net charge-offs (x) | 1.2260% | 4,463 |
| Efficiency ratio | 76.5408% | 2,432 |
| Assets per employee ($millions) | 2.8483% | 5,888 |
| Cash dividends to net income (ytd only)* | 76.0181% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 738 |
| Loan loss allowance to noncurrent loans | 45.5047% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 5.0544% | 272 |
| Noncurrent loans to loans | 5.0133% | 293 |
| Net loans and leases to total assets | 73.4394% | 1,678 |
| Net loans and leases to deposits | 81.8562% | 2,492 |
| Net loans and leases to core deposits | 86.7710% | 2,624 |
| Total domestic deposits to total assets | 89.7176% | 867 |
| Equity capital to assets | 9.4781% | 4,745 |
| Core capital (leverage) ratio | 9.0409% | 4,926 |
| Tier 1 risk-based capital ratio | 13.9213% | 4,152 |
| Total risk-based capital ratio | 15.1902% | 4,067 |
| Memoranda: | ||
| Average total assets | $150,047,800 | 3,635 |
| Average earning assets | $134,337,000 | 3,691 |
| Average equity | $14,473,400 | 3,942 |
| Average total loans | $104,001,200 | 3,343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,391 |
| Cost of funding earning assets | 0.4350% | 3,418 |
| Net interest margin | 3.6619% | 3,183 |
| Noninterest income to average assets | 0.7726% | 2,005 |
| Noninterest expense to average assets | 3.0867% | 2,504 |
| Loan and lease loss provision to assets | 0.4069% | 413 |
| Net operating income to assets | 0.3883% | 5,290 |
| Return on assets (ROA) | 0.4033% | 5,314 |
| Pretax return on assets | 0.5750% | 5,111 |
| Return on Equity (ROE) | 4.1622% | 5,106 |
| Retained earnings to average equity (ytd only) | -0.4891% | 5,874 |
| Net charge-offs to loans | 0.6211% | 581 |
| Credit loss provision to net charge-offs | 96.6030% | 2,311 |
| Earnings coverage of net charge-offs (x) | 2.2803% | 3,954 |
| Efficiency ratio | 76.2704% | 2,449 |
| Assets per employee ($millions) | 2.8942% | 5,859 |
| Cash dividends to net income (ytd only)* | 111.7508% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7736% | 455 |
| Loan loss allowance to noncurrent loans | 47.9910% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 5.7206% | 252 |
| Noncurrent loans to loans | 5.7793% | 257 |
| Net loans and leases to total assets | 73.1524% | 1,655 |
| Net loans and leases to deposits | 81.5029% | 2,486 |
| Net loans and leases to core deposits | 86.4051% | 2,623 |
| Total domestic deposits to total assets | 89.7544% | 846 |
| Equity capital to assets | 9.3362% | 4,997 |
| Core capital (leverage) ratio | 9.2105% | 4,767 |
| Tier 1 risk-based capital ratio | 13.7083% | 4,412 |
| Total risk-based capital ratio | 14.9834% | 4,331 |
| Memoranda: | ||
| Average total assets | $149,108,000 | 3,670 |
| Average earning assets | $133,335,250 | 3,733 |
| Average equity | $14,447,250 | 3,967 |
| Average total loans | $101,103,500 | 3,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,580 |
| Cost of funding earning assets | 0.4446% | 3,391 |
| Net interest margin | 3.5976% | 3,365 |
| Noninterest income to average assets | 0.7692% | 1,964 |
| Noninterest expense to average assets | 3.0390% | 2,694 |
| Loan and lease loss provision to assets | 0.3250% | 575 |
| Net operating income to assets | 0.4767% | 4,907 |
| Return on assets (ROA) | 0.4767% | 4,977 |
| Pretax return on assets | 0.6162% | 4,906 |
| Return on Equity (ROE) | 4.8587% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.8587% | 3,047 |
| Net charge-offs to loans | 0.9654% | 366 |
| Credit loss provision to net charge-offs | 51.6129% | 2,773 |
| Earnings coverage of net charge-offs (x) | 1.4946% | 3,794 |
| Efficiency ratio | 76.3525% | 2,564 |
| Assets per employee ($millions) | 2.8348% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9281% | 413 |
| Loan loss allowance to noncurrent loans | 46.1017% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 5.9344% | 254 |
| Noncurrent loans to loans | 6.3515% | 229 |
| Net loans and leases to total assets | 67.2869% | 2,535 |
| Net loans and leases to deposits | 75.4840% | 3,126 |
| Net loans and leases to core deposits | 77.1527% | 3,523 |
| Total domestic deposits to total assets | 89.1406% | 1,283 |
| Equity capital to assets | 9.9870% | 4,122 |
| Core capital (leverage) ratio | 9.5046% | 4,326 |
| Tier 1 risk-based capital ratio | 15.0515% | 3,609 |
| Total risk-based capital ratio | 16.3269% | 3,534 |
| Memoranda: | ||
| Average total assets | $147,680,000 | 3,716 |
| Average earning assets | $131,810,670 | 3,771 |
| Average equity | $14,489,330 | 3,950 |
| Average total loans | $96,334,330 | 3,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,477 |
| Cost of funding earning assets | 0.4463% | 3,469 |
| Net interest margin | 3.6034% | 3,235 |
| Noninterest income to average assets | 0.7334% | 2,023 |
| Noninterest expense to average assets | 3.0633% | 2,646 |
| Loan and lease loss provision to assets | 0.3247% | 562 |
| Net operating income to assets | 0.4357% | 4,994 |
| Return on assets (ROA) | 0.4357% | 5,051 |
| Pretax return on assets | 0.5791% | 4,899 |
| Return on Equity (ROE) | 4.4806% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.4806% | 3,432 |
| Net charge-offs to loans | 0.0514% | 2,668 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,098 |
| Efficiency ratio | 77.2169% | 2,606 |
| Assets per employee ($millions) | 2.9447% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5849% | 250 |
| Loan loss allowance to noncurrent loans | 63.0451% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 4.9686% | 410 |
| Noncurrent loans to loans | 5.6862% | 345 |
| Net loans and leases to total assets | 59.5451% | 3,628 |
| Net loans and leases to deposits | 66.4818% | 4,029 |
| Net loans and leases to core deposits | 67.9147% | 4,325 |
| Total domestic deposits to total assets | 89.5660% | 1,332 |
| Equity capital to assets | 9.6296% | 4,315 |
| Core capital (leverage) ratio | 9.3901% | 4,435 |
| Tier 1 risk-based capital ratio | 15.6667% | 3,351 |
| Total risk-based capital ratio | 16.9483% | 3,293 |
| Memoranda: | ||
| Average total assets | $147,814,000 | 3,738 |
| Average earning assets | $132,653,000 | 3,791 |
| Average equity | $14,373,000 | 3,977 |
| Average total loans | $93,411,000 | 3,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 2,911 |
| Cost of funding earning assets | 0.4937% | 3,667 |
| Net interest margin | 3.8185% | 2,578 |
| Noninterest income to average assets | 0.8956% | 1,692 |
| Noninterest expense to average assets | 2.9987% | 3,060 |
| Loan and lease loss provision to assets | 0.5391% | 497 |
| Net operating income to assets | 0.6604% | 3,985 |
| Return on assets (ROA) | 0.6604% | 4,086 |
| Pretax return on assets | 0.7817% | 4,216 |
| Return on Equity (ROE) | 7.0933% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.0933% | 1,402 |
| Net charge-offs to loans | 0.3271% | 2,042 |
| Credit loss provision to net charge-offs | 256.4103% | 882 |
| Earnings coverage of net charge-offs (x) | 6.2821% | 3,095 |
| Efficiency ratio | 69.4228% | 3,935 |
| Assets per employee ($millions) | 2.8519% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4208% | 309 |
| Loan loss allowance to noncurrent loans | 67.3786% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 4.8472% | 495 |
| Noncurrent loans to loans | 5.0770% | 483 |
| Net loans and leases to total assets | 62.4651% | 3,303 |
| Net loans and leases to deposits | 69.8772% | 3,798 |
| Net loans and leases to core deposits | 71.4337% | 4,137 |
| Total domestic deposits to total assets | 89.3926% | 1,387 |
| Equity capital to assets | 9.8208% | 4,001 |
| Core capital (leverage) ratio | 9.2776% | 4,592 |
| Tier 1 risk-based capital ratio | 15.2980% | 3,481 |
| Total risk-based capital ratio | 16.5776% | 3,419 |
| Memoranda: | ||
| Average total assets | $148,399,400 | 3,735 |
| Average earning assets | $133,064,200 | 3,774 |
| Average equity | $13,815,800 | 4,098 |
| Average total loans | $95,389,200 | 3,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 2,750 |
| Cost of funding earning assets | 0.5011% | 3,759 |
| Net interest margin | 3.8553% | 2,440 |
| Noninterest income to average assets | 0.9485% | 1,608 |
| Noninterest expense to average assets | 3.0557% | 2,802 |
| Loan and lease loss provision to assets | 0.6553% | 340 |
| Net operating income to assets | 0.4542% | 5,013 |
| Return on assets (ROA) | 0.4542% | 5,149 |
| Pretax return on assets | 0.6902% | 4,719 |
| Return on Equity (ROE) | 4.9444% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.9444% | 3,123 |
| Net charge-offs to loans | 0.4276% | 1,496 |
| Credit loss provision to net charge-offs | 238.7622% | 1,025 |
| Earnings coverage of net charge-offs (x) | 4.9023% | 3,331 |
| Efficiency ratio | 69.4292% | 3,847 |
| Assets per employee ($millions) | 2.9478% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3442% | 393 |
| Loan loss allowance to noncurrent loans | 47.5437% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 6.0417% | 397 |
| Noncurrent loans to loans | 7.0339% | 294 |
| Net loans and leases to total assets | 60.6549% | 3,586 |
| Net loans and leases to deposits | 67.3830% | 4,131 |
| Net loans and leases to core deposits | 68.8632% | 4,445 |
| Total domestic deposits to total assets | 90.0152% | 989 |
| Equity capital to assets | 9.1626% | 4,983 |
| Core capital (leverage) ratio | 8.8978% | 5,262 |
| Tier 1 risk-based capital ratio | 14.6861% | 3,958 |
| Total risk-based capital ratio | 15.9657% | 3,902 |
| Memoranda: | ||
| Average total assets | $149,137,750 | 3,761 |
| Average earning assets | $133,560,000 | 3,803 |
| Average equity | $13,698,750 | 4,179 |
| Average total loans | $95,718,750 | 3,584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 2,539 |
| Cost of funding earning assets | 0.5151% | 3,753 |
| Net interest margin | 3.8913% | 2,237 |
| Noninterest income to average assets | 1.0381% | 1,415 |
| Noninterest expense to average assets | 3.0483% | 2,843 |
| Loan and lease loss provision to assets | 0.7154% | 316 |
| Net operating income to assets | 0.5473% | 4,568 |
| Return on assets (ROA) | 0.5473% | 4,733 |
| Pretax return on assets | 0.7584% | 4,474 |
| Return on Equity (ROE) | 5.9532% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.9532% | 2,468 |
| Net charge-offs to loans | 0.6072% | 1,088 |
| Credit loss provision to net charge-offs | 182.1918% | 1,304 |
| Earnings coverage of net charge-offs (x) | 3.7534% | 3,309 |
| Efficiency ratio | 67.4101% | 4,282 |
| Assets per employee ($millions) | 2.8590% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1327% | 507 |
| Loan loss allowance to noncurrent loans | 58.5025% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 4.9903% | 617 |
| Noncurrent loans to loans | 5.3548% | 579 |
| Net loans and leases to total assets | 61.7528% | 3,338 |
| Net loans and leases to deposits | 68.7268% | 3,903 |
| Net loans and leases to core deposits | 70.2547% | 4,243 |
| Total domestic deposits to total assets | 89.8525% | 1,118 |
| Equity capital to assets | 9.2415% | 4,932 |
| Core capital (leverage) ratio | 8.7198% | 5,390 |
| Tier 1 risk-based capital ratio | 14.1981% | 4,293 |
| Total risk-based capital ratio | 15.4744% | 4,231 |
| Memoranda: | ||
| Average total assets | $148,737,330 | 3,793 |
| Average earning assets | $133,169,330 | 3,840 |
| Average equity | $13,673,330 | 4,211 |
| Average total loans | $96,177,330 | 3,583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,520 |
| Cost of funding earning assets | 0.5277% | 3,805 |
| Net interest margin | 3.8735% | 2,204 |
| Noninterest income to average assets | 0.7367% | 2,393 |
| Noninterest expense to average assets | 2.9844% | 3,035 |
| Loan and lease loss provision to assets | 0.5404% | 492 |
| Net operating income to assets | 0.4759% | 4,793 |
| Return on assets (ROA) | 0.4759% | 4,958 |
| Pretax return on assets | 0.6856% | 4,635 |
| Return on Equity (ROE) | 5.1904% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1904% | 3,119 |
| Net charge-offs to loans | 0.7556% | 804 |
| Credit loss provision to net charge-offs | 109.8361% | 1,695 |
| Earnings coverage of net charge-offs (x) | 2.4918% | 3,018 |
| Efficiency ratio | 70.8812% | 3,811 |
| Assets per employee ($millions) | 2.9094% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8799% | 748 |
| Loan loss allowance to noncurrent loans | 60.8012% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 4.3810% | 857 |
| Noncurrent loans to loans | 4.7366% | 840 |
| Net loans and leases to total assets | 61.2318% | 3,218 |
| Net loans and leases to deposits | 67.9905% | 3,778 |
| Net loans and leases to core deposits | 69.5269% | 4,136 |
| Total domestic deposits to total assets | 90.0594% | 1,010 |
| Equity capital to assets | 9.0668% | 5,411 |
| Core capital (leverage) ratio | 8.6685% | 5,366 |
| Tier 1 risk-based capital ratio | 13.8041% | 4,648 |
| Total risk-based capital ratio | 15.0771% | 4,591 |
| Memoranda: | ||
| Average total assets | $148,772,500 | 3,837 |
| Average earning assets | $133,420,500 | 3,870 |
| Average equity | $13,640,500 | 4,260 |
| Average total loans | $96,878,500 | 3,594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 2,645 |
| Cost of funding earning assets | 0.7068% | 3,444 |
| Net interest margin | 3.9802% | 2,477 |
| Noninterest income to average assets | 0.7593% | 2,452 |
| Noninterest expense to average assets | 2.8711% | 3,759 |
| Loan and lease loss provision to assets | 1.0237% | 391 |
| Net operating income to assets | 0.3410% | 5,324 |
| Return on assets (ROA) | 0.3410% | 5,546 |
| Pretax return on assets | 0.4588% | 5,403 |
| Return on Equity (ROE) | 4.3082% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.3082% | 3,191 |
| Net charge-offs to loans | 2.2991% | 286 |
| Credit loss provision to net charge-offs | 63.0598% | 4,373 |
| Earnings coverage of net charge-offs (x) | 0.9132% | 5,017 |
| Efficiency ratio | 65.9474% | 4,517 |
| Assets per employee ($millions) | 2.8126% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7741% | 845 |
| Loan loss allowance to noncurrent loans | 55.3101% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 4.8265% | 819 |
| Noncurrent loans to loans | 5.0156% | 795 |
| Net loans and leases to total assets | 65.3949% | 2,635 |
| Net loans and leases to deposits | 72.7530% | 3,292 |
| Net loans and leases to core deposits | 74.5181% | 3,718 |
| Total domestic deposits to total assets | 89.8862% | 1,019 |
| Equity capital to assets | 9.2741% | 5,180 |
| Core capital (leverage) ratio | 8.5311% | 5,565 |
| Tier 1 risk-based capital ratio | 13.2916% | 4,905 |
| Total risk-based capital ratio | 14.5640% | 4,831 |
| Memoranda: | ||
| Average total assets | $155,411,000 | 3,696 |
| Average earning assets | $140,344,000 | 3,721 |
| Average equity | $12,302,000 | 4,503 |
| Average total loans | $109,739,600 | 3,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,660 |
| Cost of funding earning assets | 0.7395% | 3,437 |
| Net interest margin | 3.9931% | 2,530 |
| Noninterest income to average assets | 0.7364% | 2,542 |
| Noninterest expense to average assets | 2.7097% | 4,327 |
| Loan and lease loss provision to assets | 1.1465% | 329 |
| Net operating income to assets | 0.2917% | 5,639 |
| Return on assets (ROA) | 0.2917% | 5,842 |
| Pretax return on assets | 0.4912% | 5,491 |
| Return on Equity (ROE) | 3.8376% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.8376% | 4,190 |
| Net charge-offs to loans | 2.8388% | 199 |
| Credit loss provision to net charge-offs | 56.5707% | 4,247 |
| Earnings coverage of net charge-offs (x) | 0.8081% | 4,925 |
| Efficiency ratio | 62.3298% | 5,098 |
| Assets per employee ($millions) | 2.8654% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5109% | 1,196 |
| Loan loss allowance to noncurrent loans | 74.7930% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.2621% | 1,564 |
| Noncurrent loans to loans | 3.3571% | 1,633 |
| Net loans and leases to total assets | 66.9856% | 2,465 |
| Net loans and leases to deposits | 74.6533% | 3,197 |
| Net loans and leases to core deposits | 77.7664% | 3,490 |
| Total domestic deposits to total assets | 89.7290% | 983 |
| Equity capital to assets | 8.8178% | 6,007 |
| Core capital (leverage) ratio | 8.2619% | 6,072 |
| Tier 1 risk-based capital ratio | 12.4902% | 5,653 |
| Total risk-based capital ratio | 13.7667% | 5,587 |
| Memoranda: | ||
| Average total assets | $157,699,750 | 3,691 |
| Average earning assets | $142,608,500 | 3,725 |
| Average equity | $11,986,500 | 4,617 |
| Average total loans | $112,581,250 | 3,266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 2,592 |
| Cost of funding earning assets | 0.7757% | 3,397 |
| Net interest margin | 4.0017% | 2,497 |
| Noninterest income to average assets | 0.7341% | 2,500 |
| Noninterest expense to average assets | 2.4580% | 5,268 |
| Loan and lease loss provision to assets | 1.2478% | 326 |
| Net operating income to assets | 0.3182% | 5,556 |
| Return on assets (ROA) | 0.3182% | 5,759 |
| Pretax return on assets | 0.6477% | 4,972 |
| Return on Equity (ROE) | 4.4104% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.4104% | 3,673 |
| Net charge-offs to loans | 2.9065% | 207 |
| Credit loss provision to net charge-offs | 59.4272% | 3,813 |
| Earnings coverage of net charge-offs (x) | 0.9027% | 4,589 |
| Efficiency ratio | 56.4604% | 6,064 |
| Assets per employee ($millions) | 3.0496% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7593% | 981 |
| Loan loss allowance to noncurrent loans | 68.4658% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 3.9638% | 1,299 |
| Noncurrent loans to loans | 4.0302% | 1,365 |
| Net loans and leases to total assets | 68.8969% | 2,121 |
| Net loans and leases to deposits | 75.5181% | 3,053 |
| Net loans and leases to core deposits | 79.5279% | 3,285 |
| Total domestic deposits to total assets | 91.2323% | 376 |
| Equity capital to assets | 7.8948% | 6,635 |
| Core capital (leverage) ratio | 7.1962% | 6,756 |
| Tier 1 risk-based capital ratio | 10.9702% | 6,514 |
| Total risk-based capital ratio | 12.2514% | 6,477 |
| Memoranda: | ||
| Average total assets | $159,645,000 | 3,669 |
| Average earning assets | $144,389,000 | 3,705 |
| Average equity | $11,518,330 | 4,709 |
| Average total loans | $115,326,000 | 3,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 2,619 |
| Cost of funding earning assets | 0.8144% | 3,352 |
| Net interest margin | 3.9907% | 2,548 |
| Noninterest income to average assets | 0.6592% | 2,874 |
| Noninterest expense to average assets | 2.9162% | 3,554 |
| Loan and lease loss provision to assets | 0.8577% | 533 |
| Net operating income to assets | 0.2475% | 5,832 |
| Return on assets (ROA) | 0.2475% | 5,980 |
| Pretax return on assets | 0.4999% | 5,429 |
| Return on Equity (ROE) | 3.5884% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.5884% | 4,423 |
| Net charge-offs to loans | 2.2795% | 381 |
| Credit loss provision to net charge-offs | 51.6224% | 3,251 |
| Earnings coverage of net charge-offs (x) | 0.8171% | 3,924 |
| Efficiency ratio | 68.2339% | 4,126 |
| Assets per employee ($millions) | 3.1371% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8563% | 952 |
| Loan loss allowance to noncurrent loans | 52.5544% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6233% | 1,153 |
| Noncurrent loans to loans | 5.4349% | 985 |
| Net loans and leases to total assets | 69.4898% | 1,839 |
| Net loans and leases to deposits | 78.2513% | 2,464 |
| Net loans and leases to core deposits | 82.2275% | 2,798 |
| Total domestic deposits to total assets | 88.8033% | 1,815 |
| Equity capital to assets | 7.0637% | 6,923 |
| Core capital (leverage) ratio | 6.7405% | 6,922 |
| Tier 1 risk-based capital ratio | 10.0563% | 6,862 |
| Total risk-based capital ratio | 11.3290% | 6,852 |
| Memoranda: | ||
| Average total assets | $163,227,500 | 3,636 |
| Average earning assets | $147,842,000 | 3,660 |
| Average equity | $11,258,500 | 4,775 |
| Average total loans | $118,971,500 | 3,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 2,462 |
| Cost of funding earning assets | 0.9998% | 3,383 |
| Net interest margin | 4.0990% | 2,432 |
| Noninterest income to average assets | 0.7283% | 2,455 |
| Noninterest expense to average assets | 2.9270% | 3,857 |
| Loan and lease loss provision to assets | 3.5936% | 76 |
| Net operating income to assets | -1.2621% | 6,839 |
| Return on assets (ROA) | -1.2621% | 6,861 |
| Pretax return on assets | -2.0713% | 7,041 |
| Return on Equity (ROE) | -17.2639% | 6,938 |
| Retained earnings to average equity (ytd only) | -17.2639% | 6,920 |
| Net charge-offs to loans | 4.2216% | 131 |
| Credit loss provision to net charge-offs | 109.2327% | 3,072 |
| Earnings coverage of net charge-offs (x) | 0.4627% | 5,473 |
| Efficiency ratio | 65.7845% | 4,816 |
| Assets per employee ($millions) | 3.0816% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0193% | 797 |
| Loan loss allowance to noncurrent loans | 47.8437% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 5.2913% | 981 |
| Noncurrent loans to loans | 6.3108% | 769 |
| Net loans and leases to total assets | 71.9977% | 1,645 |
| Net loans and leases to deposits | 80.7886% | 2,392 |
| Net loans and leases to core deposits | 84.8842% | 2,760 |
| Total domestic deposits to total assets | 89.1187% | 1,469 |
| Equity capital to assets | 6.7313% | 7,018 |
| Core capital (leverage) ratio | 6.6441% | 6,952 |
| Tier 1 risk-based capital ratio | 9.2280% | 7,000 |
| Total risk-based capital ratio | 10.5023% | 6,995 |
| Memoranda: | ||
| Average total assets | $165,598,400 | 3,558 |
| Average earning assets | $150,331,000 | 3,576 |
| Average equity | $12,106,200 | 4,528 |
| Average total loans | $129,049,600 | 2,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 2,217 |
| Cost of funding earning assets | 1.0264% | 3,490 |
| Net interest margin | 4.1719% | 2,203 |
| Noninterest income to average assets | 0.7446% | 2,347 |
| Noninterest expense to average assets | 3.1510% | 2,993 |
| Loan and lease loss provision to assets | 3.7801% | 70 |
| Net operating income to assets | -1.3978% | 7,015 |
| Return on assets (ROA) | -1.3978% | 7,033 |
| Pretax return on assets | -2.3967% | 7,184 |
| Return on Equity (ROE) | -18.7545% | 7,082 |
| Retained earnings to average equity (ytd only) | -18.7545% | 7,065 |
| Net charge-offs to loans | 4.9882% | 97 |
| Credit loss provision to net charge-offs | 96.1232% | 3,571 |
| Earnings coverage of net charge-offs (x) | 0.3518% | 5,346 |
| Efficiency ratio | 69.4921% | 4,040 |
| Assets per employee ($millions) | 3.0991% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 1,607 |
| Loan loss allowance to noncurrent loans | 47.5412% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.3334% | 1,395 |
| Noncurrent loans to loans | 4.9612% | 1,259 |
| Net loans and leases to total assets | 73.4191% | 1,429 |
| Net loans and leases to deposits | 83.5844% | 2,068 |
| Net loans and leases to core deposits | 92.0919% | 1,986 |
| Total domestic deposits to total assets | 87.8383% | 2,141 |
| Equity capital to assets | 6.8060% | 7,088 |
| Core capital (leverage) ratio | 6.4886% | 7,074 |
| Tier 1 risk-based capital ratio | 8.9466% | 7,120 |
| Total risk-based capital ratio | 10.1893% | 7,120 |
| Memoranda: | ||
| Average total assets | $166,166,500 | 3,572 |
| Average earning assets | $150,944,000 | 3,589 |
| Average equity | $12,384,250 | 4,472 |
| Average total loans | $130,999,000 | 2,989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 2,408 |
| Cost of funding earning assets | 1.0503% | 3,600 |
| Net interest margin | 4.1123% | 2,362 |
| Noninterest income to average assets | 0.7637% | 2,186 |
| Noninterest expense to average assets | 3.0367% | 3,497 |
| Loan and lease loss provision to assets | 3.8740% | 83 |
| Net operating income to assets | -1.5226% | 7,101 |
| Return on assets (ROA) | -1.5226% | 7,116 |
| Pretax return on assets | -2.4057% | 7,235 |
| Return on Equity (ROE) | -19.8495% | 7,150 |
| Retained earnings to average equity (ytd only) | -19.8495% | 7,134 |
| Net charge-offs to loans | 4.9654% | 127 |
| Credit loss provision to net charge-offs | 97.4507% | 3,238 |
| Earnings coverage of net charge-offs (x) | 0.3693% | 5,029 |
| Efficiency ratio | 67.4076% | 4,626 |
| Assets per employee ($millions) | 2.9789% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 1,603 |
| Loan loss allowance to noncurrent loans | 40.5648% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 4.6979% | 1,329 |
| Noncurrent loans to loans | 5.9022% | 1,024 |
| Net loans and leases to total assets | 76.4890% | 1,004 |
| Net loans and leases to deposits | 87.5150% | 1,571 |
| Net loans and leases to core deposits | 96.6766% | 1,612 |
| Total domestic deposits to total assets | 87.4010% | 2,520 |
| Equity capital to assets | 7.2444% | 7,046 |
| Core capital (leverage) ratio | 7.0610% | 6,972 |
| Tier 1 risk-based capital ratio | 9.6186% | 7,081 |
| Total risk-based capital ratio | 10.8926% | 7,081 |
| Memoranda: | ||
| Average total assets | $165,771,000 | 3,599 |
| Average earning assets | $150,816,330 | 3,614 |
| Average equity | $12,715,670 | 4,398 |
| Average total loans | $132,719,670 | 2,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 3,009 |
| Cost of funding earning assets | 1.0677% | 3,735 |
| Net interest margin | 3.9524% | 2,904 |
| Noninterest income to average assets | 0.6885% | 2,636 |
| Noninterest expense to average assets | 3.0395% | 3,487 |
| Loan and lease loss provision to assets | 0.5398% | 1,604 |
| Net operating income to assets | 0.4918% | 4,520 |
| Return on assets (ROA) | 0.4918% | 4,604 |
| Pretax return on assets | 0.7149% | 4,246 |
| Return on Equity (ROE) | 6.2410% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.2410% | 2,502 |
| Net charge-offs to loans | 0.1246% | 3,777 |
| Credit loss provision to net charge-offs | 535.7143% | 676 |
| Earnings coverage of net charge-offs (x) | 12.4524% | 1,497 |
| Efficiency ratio | 70.7821% | 4,105 |
| Assets per employee ($millions) | 2.9482% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,456 |
| Loan loss allowance to noncurrent loans | 30.8324% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.7178% | 811 |
| Noncurrent loans to loans | 8.1084% | 604 |
| Net loans and leases to total assets | 77.5377% | 798 |
| Net loans and leases to deposits | 91.0863% | 1,111 |
| Net loans and leases to core deposits | 100.8584% | 1,270 |
| Total domestic deposits to total assets | 85.1255% | 3,978 |
| Equity capital to assets | 7.8764% | 6,615 |
| Core capital (leverage) ratio | 7.9670% | 6,295 |
| Tier 1 risk-based capital ratio | 10.4930% | 6,808 |
| Total risk-based capital ratio | 11.7605% | 6,785 |
| Memoranda: | ||
| Average total assets | $166,737,500 | 3,609 |
| Average earning assets | $152,108,500 | 3,613 |
| Average equity | $13,139,000 | 4,304 |
| Average total loans | $134,883,500 | 2,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 1,677 |
| Cost of funding earning assets | 1.2686% | 4,087 |
| Net interest margin | 4.4030% | 1,460 |
| Noninterest income to average assets | 0.6708% | 3,013 |
| Noninterest expense to average assets | 3.9188% | 1,286 |
| Loan and lease loss provision to assets | 1.4293% | 1,049 |
| Net operating income to assets | -0.3826% | 6,293 |
| Return on assets (ROA) | -0.3826% | 6,323 |
| Pretax return on assets | -0.6696% | 6,440 |
| Return on Equity (ROE) | -4.4117% | 6,384 |
| Retained earnings to average equity (ytd only) | -7.9695% | 6,533 |
| Net charge-offs to loans | 0.3011% | 4,510 |
| Credit loss provision to net charge-offs | 563.5036% | 396 |
| Earnings coverage of net charge-offs (x) | 2.9951% | 3,573 |
| Efficiency ratio | 83.7620% | 1,947 |
| Assets per employee ($millions) | 2.9023% | 6,320 |
| Cash dividends to net income (ytd only)* | -80.6452% | 7,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3199% | 1,666 |
| Loan loss allowance to noncurrent loans | 34.6158% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 5.8569% | 1,033 |
| Noncurrent loans to loans | 6.7018% | 872 |
| Net loans and leases to total assets | 80.3783% | 618 |
| Net loans and leases to deposits | 91.2609% | 1,358 |
| Net loans and leases to core deposits | 104.8246% | 1,262 |
| Total domestic deposits to total assets | 88.0752% | 2,205 |
| Equity capital to assets | 7.8837% | 6,603 |
| Core capital (leverage) ratio | 7.9368% | 6,278 |
| Tier 1 risk-based capital ratio | 10.5594% | 6,660 |
| Total risk-based capital ratio | 11.8258% | 6,624 |
| Memoranda: | ||
| Average total assets | $162,040,800 | 3,659 |
| Average earning assets | $147,489,800 | 3,671 |
| Average equity | $14,053,600 | 4,131 |
| Average total loans | $136,487,600 | 3,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 1,607 |
| Cost of funding earning assets | 1.3069% | 4,169 |
| Net interest margin | 4.4234% | 1,450 |
| Noninterest income to average assets | 0.6907% | 2,871 |
| Noninterest expense to average assets | 3.0778% | 3,433 |
| Loan and lease loss provision to assets | 1.1506% | 1,262 |
| Net operating income to assets | 0.3085% | 5,132 |
| Return on assets (ROA) | 0.3085% | 5,304 |
| Pretax return on assets | 0.4880% | 4,967 |
| Return on Equity (ROE) | 3.4762% | 5,014 |
| Retained earnings to average equity (ytd only) | -0.0187% | 5,786 |
| Net charge-offs to loans | 0.3183% | 4,064 |
| Credit loss provision to net charge-offs | 426.6871% | 709 |
| Earnings coverage of net charge-offs (x) | 6.0766% | 2,605 |
| Efficiency ratio | 65.2578% | 5,008 |
| Assets per employee ($millions) | 2.6281% | 6,890 |
| Cash dividends to net income (ytd only)* | 100.5369% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 3,230 |
| Loan loss allowance to noncurrent loans | 25.6814% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 6.0118% | 987 |
| Noncurrent loans to loans | 6.5293% | 914 |
| Net loans and leases to total assets | 84.7826% | 279 |
| Net loans and leases to deposits | 97.4274% | 846 |
| Net loans and leases to core deposits | 107.8652% | 1,172 |
| Total domestic deposits to total assets | 87.0213% | 2,514 |
| Equity capital to assets | 8.8431% | 5,793 |
| Core capital (leverage) ratio | 8.8391% | 4,940 |
| Tier 1 risk-based capital ratio | 10.8991% | 6,461 |
| Total risk-based capital ratio | 12.1631% | 6,431 |
| Memoranda: | ||
| Average total assets | $161,193,750 | 3,734 |
| Average earning assets | $146,700,250 | 3,737 |
| Average equity | $14,306,500 | 4,132 |
| Average total loans | $136,577,750 | 3,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 1,231 |
| Cost of funding earning assets | 1.3445% | 4,222 |
| Net interest margin | 4.5358% | 1,134 |
| Noninterest income to average assets | 0.6787% | 2,826 |
| Noninterest expense to average assets | 3.0950% | 3,349 |
| Loan and lease loss provision to assets | 0.4843% | 2,883 |
| Net operating income to assets | 0.7840% | 3,051 |
| Return on assets (ROA) | 0.7840% | 3,191 |
| Pretax return on assets | 1.2360% | 2,302 |
| Return on Equity (ROE) | 8.8225% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.3381% | 2,705 |
| Net charge-offs to loans | 0.4720% | 3,116 |
| Credit loss provision to net charge-offs | 121.8069% | 3,324 |
| Earnings coverage of net charge-offs (x) | 4.3271% | 2,988 |
| Efficiency ratio | 64.2747% | 5,282 |
| Assets per employee ($millions) | 2.8376% | 6,489 |
| Cash dividends to net income (ytd only)* | 39.4945% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,581 |
| Loan loss allowance to noncurrent loans | 18.3317% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 4.8125% | 1,346 |
| Noncurrent loans to loans | 5.2118% | 1,311 |
| Net loans and leases to total assets | 84.7951% | 297 |
| Net loans and leases to deposits | 107.4489% | 336 |
| Net loans and leases to core deposits | 112.2817% | 1,021 |
| Total domestic deposits to total assets | 78.9167% | 6,062 |
| Equity capital to assets | 8.9951% | 5,455 |
| Core capital (leverage) ratio | 8.9971% | 4,604 |
| Tier 1 risk-based capital ratio | 11.1673% | 6,075 |
| Total risk-based capital ratio | 12.1837% | 6,294 |
| Memoranda: | ||
| Average total assets | $161,486,000 | 3,754 |
| Average earning assets | $147,272,000 | 3,757 |
| Average equity | $14,349,670 | 4,124 |
| Average total loans | $136,024,000 | 3,083 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 1,391 |
| Cost of funding earning assets | 1.3908% | 4,239 |
| Net interest margin | 4.4323% | 1,289 |
| Noninterest income to average assets | 0.6247% | 3,122 |
| Noninterest expense to average assets | 3.0913% | 3,302 |
| Loan and lease loss provision to assets | 0.5231% | 2,407 |
| Net operating income to assets | 0.7239% | 3,337 |
| Return on assets (ROA) | 0.7239% | 3,450 |
| Pretax return on assets | 1.0709% | 2,837 |
| Return on Equity (ROE) | 8.1965% | 2,785 |
| Retained earnings to average equity (ytd only) | 4.6877% | 3,329 |
| Net charge-offs to loans | 0.5727% | 2,374 |
| Credit loss provision to net charge-offs | 109.3264% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.3316% | 2,941 |
| Efficiency ratio | 65.9788% | 5,119 |
| Assets per employee ($millions) | 2.6338% | 6,978 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,717 |
| Loan loss allowance to noncurrent loans | 49.1303% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 3,586 |
| Noncurrent loans to loans | 1.9077% | 3,914 |
| Net loans and leases to total assets | 82.2671% | 558 |
| Net loans and leases to deposits | 103.9229% | 533 |
| Net loans and leases to core deposits | 109.3308% | 1,330 |
| Total domestic deposits to total assets | 79.1616% | 6,037 |
| Equity capital to assets | 8.7780% | 5,592 |
| Core capital (leverage) ratio | 8.8702% | 4,768 |
| Tier 1 risk-based capital ratio | 11.1674% | 5,990 |
| Total risk-based capital ratio | 12.1585% | 6,223 |
| Memoranda: | ||
| Average total assets | $161,357,000 | 3,813 |
| Average earning assets | $147,824,500 | 3,805 |
| Average equity | $14,250,000 | 4,182 |
| Average total loans | $134,799,000 | 3,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1871% | 1,266 |
| Cost of funding earning assets | 1.5912% | 5,068 |
| Net interest margin | 4.5959% | 993 |
| Noninterest income to average assets | 0.6936% | 3,023 |
| Noninterest expense to average assets | 3.1875% | 3,417 |
| Loan and lease loss provision to assets | 0.6278% | 3,295 |
| Net operating income to assets | 0.7569% | 2,688 |
| Return on assets (ROA) | 0.7569% | 2,786 |
| Pretax return on assets | 1.1060% | 2,228 |
| Return on Equity (ROE) | 8.3735% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.7297% | 1,960 |
| Net charge-offs to loans | 0.5430% | 3,618 |
| Credit loss provision to net charge-offs | 137.9161% | 3,563 |
| Earnings coverage of net charge-offs (x) | 3.8090% | 3,186 |
| Efficiency ratio | 64.7704% | 5,631 |
| Assets per employee ($millions) | 2.8468% | 6,569 |
| Cash dividends to net income (ytd only)* | 43.5161% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 6,689 |
| Loan loss allowance to noncurrent loans | 62.4938% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 4,048 |
| Noncurrent loans to loans | 1.4964% | 4,423 |
| Net loans and leases to total assets | 83.2623% | 515 |
| Net loans and leases to deposits | 101.5112% | 788 |
| Net loans and leases to core deposits | 124.2102% | 1,621 |
| Total domestic deposits to total assets | 82.0228% | 4,938 |
| Equity capital to assets | 8.8860% | 5,303 |
| Core capital (leverage) ratio | 8.9600% | 4,491 |
| Tier 1 risk-based capital ratio | 11.1458% | 5,785 |
| Total risk-based capital ratio | 12.1326% | 6,003 |
| Memoranda: | ||
| Average total assets | $151,809,600 | 3,927 |
| Average earning assets | $139,645,000 | 3,914 |
| Average equity | $13,721,800 | 4,332 |
| Average total loans | $127,244,800 | 3,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 1,313 |
| Cost of funding earning assets | 1.6324% | 5,242 |
| Net interest margin | 4.5918% | 1,003 |
| Noninterest income to average assets | 0.7142% | 2,925 |
| Noninterest expense to average assets | 3.2633% | 3,063 |
| Loan and lease loss provision to assets | 0.3157% | 4,454 |
| Net operating income to assets | 0.9134% | 2,374 |
| Return on assets (ROA) | 0.9134% | 2,441 |
| Pretax return on assets | 1.3608% | 1,797 |
| Return on Equity (ROE) | 10.0604% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.1625% | 2,395 |
| Net charge-offs to loans | 0.0722% | 5,963 |
| Credit loss provision to net charge-offs | 522.0588% | 752 |
| Earnings coverage of net charge-offs (x) | 27.7219% | 983 |
| Efficiency ratio | 66.0605% | 5,350 |
| Assets per employee ($millions) | 2.7520% | 6,728 |
| Cash dividends to net income (ytd only)* | 48.6855% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 6,465 |
| Loan loss allowance to noncurrent loans | 46.3379% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 3,604 |
| Noncurrent loans to loans | 2.0834% | 3,520 |
| Net loans and leases to total assets | 83.5764% | 594 |
| Net loans and leases to deposits | 99.7975% | 1,122 |
| Net loans and leases to core deposits | 124.9100% | 1,823 |
| Total domestic deposits to total assets | 83.7460% | 3,839 |
| Equity capital to assets | 8.9490% | 5,556 |
| Core capital (leverage) ratio | 8.9729% | 4,689 |
| Tier 1 risk-based capital ratio | 11.3061% | 5,630 |
| Total risk-based capital ratio | 12.3359% | 5,822 |
| Memoranda: | ||
| Average total assets | $149,907,250 | 3,982 |
| Average earning assets | $137,953,750 | 3,968 |
| Average equity | $13,610,750 | 4,391 |
| Average total loans | $125,558,750 | 3,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2436% | 1,350 |
| Cost of funding earning assets | 1.6977% | 5,282 |
| Net interest margin | 4.5459% | 1,064 |
| Noninterest income to average assets | 0.7155% | 2,897 |
| Noninterest expense to average assets | 3.2808% | 3,046 |
| Loan and lease loss provision to assets | 0.2914% | 4,243 |
| Net operating income to assets | 0.8795% | 2,538 |
| Return on assets (ROA) | 0.8795% | 2,646 |
| Pretax return on assets | 1.3199% | 1,963 |
| Return on Equity (ROE) | 9.6374% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.2126% | 4,109 |
| Net charge-offs to loans | 0.0584% | 5,679 |
| Credit loss provision to net charge-offs | 597.2222% | 780 |
| Earnings coverage of net charge-offs (x) | 33.0278% | 935 |
| Efficiency ratio | 67.0637% | 5,349 |
| Assets per employee ($millions) | 2.6086% | 7,038 |
| Cash dividends to net income (ytd only)* | 77.0416% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,650 |
| Loan loss allowance to noncurrent loans | 50.0214% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 3,774 |
| Noncurrent loans to loans | 1.8582% | 3,721 |
| Net loans and leases to total assets | 82.4198% | 880 |
| Net loans and leases to deposits | 95.0675% | 1,944 |
| Net loans and leases to core deposits | 118.4581% | 2,504 |
| Total domestic deposits to total assets | 86.6961% | 2,408 |
| Equity capital to assets | 9.0145% | 5,292 |
| Core capital (leverage) ratio | 9.1269% | 4,418 |
| Tier 1 risk-based capital ratio | 11.5363% | 5,346 |
| Total risk-based capital ratio | 12.5250% | 5,524 |
| Memoranda: | ||
| Average total assets | $147,587,670 | 4,041 |
| Average earning assets | $135,594,000 | 4,039 |
| Average equity | $13,468,330 | 4,429 |
| Average total loans | $123,284,670 | 3,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2107% | 1,565 |
| Cost of funding earning assets | 1.8554% | 4,851 |
| Net interest margin | 4.3553% | 1,454 |
| Noninterest income to average assets | 0.6725% | 3,054 |
| Noninterest expense to average assets | 3.2114% | 2,936 |
| Loan and lease loss provision to assets | 0.2059% | 4,387 |
| Net operating income to assets | 0.8564% | 2,887 |
| Return on assets (ROA) | 0.8564% | 3,042 |
| Pretax return on assets | 1.2434% | 2,475 |
| Return on Equity (ROE) | 9.3253% | 2,602 |
| Retained earnings to average equity (ytd only) | -5.6191% | 6,638 |
| Net charge-offs to loans | 0.0885% | 4,284 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,416 |
| Efficiency ratio | 68.9046% | 4,792 |
| Assets per employee ($millions) | 2.8911% | 6,433 |
| Cash dividends to net income (ytd only)* | 160.2564% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 6,986 |
| Loan loss allowance to noncurrent loans | 51.5121% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,761 |
| Noncurrent loans to loans | 1.6419% | 3,811 |
| Net loans and leases to total assets | 82.6144% | 914 |
| Net loans and leases to deposits | 95.4280% | 2,048 |
| Net loans and leases to core deposits | 117.9118% | 2,606 |
| Total domestic deposits to total assets | 86.5725% | 2,414 |
| Equity capital to assets | 9.0231% | 5,328 |
| Core capital (leverage) ratio | 8.9784% | 4,743 |
| Tier 1 risk-based capital ratio | 11.5767% | 5,342 |
| Total risk-based capital ratio | 12.4800% | 5,580 |
| Memoranda: | ||
| Average total assets | $145,731,000 | 4,082 |
| Average earning assets | $133,448,000 | 4,082 |
| Average equity | $13,383,000 | 4,481 |
| Average total loans | $121,991,000 | 3,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9532% | 1,254 |
| Cost of funding earning assets | 2.5429% | 3,988 |
| Net interest margin | 4.4103% | 1,662 |
| Noninterest income to average assets | 0.8252% | 2,382 |
| Noninterest expense to average assets | 3.1389% | 3,554 |
| Loan and lease loss provision to assets | 0.3239% | 3,788 |
| Net operating income to assets | 1.0019% | 2,551 |
| Return on assets (ROA) | 1.0019% | 2,429 |
| Pretax return on assets | 1.3716% | 2,053 |
| Return on Equity (ROE) | 11.1257% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.1257% | 312 |
| Net charge-offs to loans | 0.3479% | 3,093 |
| Credit loss provision to net charge-offs | 114.7132% | 4,709 |
| Earnings coverage of net charge-offs (x) | 6.0050% | 3,466 |
| Efficiency ratio | 64.9286% | 5,344 |
| Assets per employee ($millions) | 2.4831% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,033 |
| Loan loss allowance to noncurrent loans | 103.4447% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 5,229 |
| Noncurrent loans to loans | 0.7909% | 5,062 |
| Net loans and leases to total assets | 83.4215% | 972 |
| Net loans and leases to deposits | 97.8658% | 2,144 |
| Net loans and leases to core deposits | 117.9922% | 2,883 |
| Total domestic deposits to total assets | 85.2407% | 2,734 |
| Equity capital to assets | 9.3474% | 4,875 |
| Core capital (leverage) ratio | 9.3028% | 4,294 |
| Tier 1 risk-based capital ratio | 11.7095% | 5,048 |
| Total risk-based capital ratio | 12.5688% | 5,319 |
| Memoranda: | ||
| Average total assets | $142,025,600 | 4,047 |
| Average earning assets | $129,106,400 | 4,060 |
| Average equity | $12,790,200 | 4,623 |
| Average total loans | $115,264,600 | 3,558 |