Home > Gateway Commercial Bank > Performance and Condition Ratios
Gateway Commercial Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 2,488 |
| Cost of funding earning assets | 1.8401% | 2,345 |
| Net interest margin | 3.4746% | 2,376 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 1.8117% | 3,893 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.1233% | 1,942 |
| Return on assets (ROA) | 1.1233% | 1,942 |
| Pretax return on assets | 1.4637% | 1,599 |
| Return on Equity (ROE) | 10.8500% | 2,066 |
| Retained earnings to average equity (ytd only) | 10.8523% | 993 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 53.0160% | 3,675 |
| Assets per employee ($millions) | 11.9061% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 2,846 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 63.1700% | 2,589 |
| Net loans and leases to deposits | 73.8827% | 2,569 |
| Net loans and leases to core deposits | 84.0676% | 2,448 |
| Total domestic deposits to total assets | 85.5100% | 2,475 |
| Equity capital to assets | 10.5585% | 1,883 |
| Core capital (leverage) ratio | 13.0006% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $211,515,000 | 2,941 |
| Average earning assets | $200,425,500 | 2,912 |
| Average equity | $21,894,000 | 2,893 |
| Average total loans | $134,486,500 | 2,894 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 2,923 |
| Cost of funding earning assets | 2.0225% | 2,169 |
| Net interest margin | 3.0737% | 3,008 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 1.7570% | 4,009 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.9713% | 2,153 |
| Return on assets (ROA) | 0.8569% | 2,539 |
| Pretax return on assets | 1.0460% | 2,397 |
| Return on Equity (ROE) | 8.2400% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.6582% | 3,164 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.9974% | 3,365 |
| Assets per employee ($millions) | 12.2776% | 400 |
| Cash dividends to net income (ytd only)* | 67.7289% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 2,922 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.6300% | 2,700 |
| Net loans and leases to deposits | 77.2341% | 2,347 |
| Net loans and leases to core deposits | 84.8521% | 2,451 |
| Total domestic deposits to total assets | 81.0900% | 3,396 |
| Equity capital to assets | 10.1380% | 2,036 |
| Core capital (leverage) ratio | 12.5504% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $201,425,800 | 2,993 |
| Average earning assets | $190,164,400 | 2,957 |
| Average equity | $20,954,200 | 2,903 |
| Average total loans | $121,421,400 | 2,981 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 3,076 |
| Cost of funding earning assets | 2.0230% | 2,151 |
| Net interest margin | 2.9527% | 3,201 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 1.7929% | 3,943 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.9051% | 2,367 |
| Return on assets (ROA) | 0.7475% | 2,860 |
| Pretax return on assets | 0.8897% | 2,828 |
| Return on Equity (ROE) | 7.1400% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.1376% | 1,690 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.5314% | 2,993 |
| Assets per employee ($millions) | 12.7206% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 63.1200% | 2,624 |
| Net loans and leases to deposits | 78.5578% | 2,304 |
| Net loans and leases to core deposits | 84.6067% | 2,518 |
| Total domestic deposits to total assets | 80.3500% | 3,408 |
| Equity capital to assets | 11.2583% | 1,595 |
| Core capital (leverage) ratio | 13.2866% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $199,602,250 | 3,000 |
| Average earning assets | $188,296,250 | 2,965 |
| Average equity | $20,902,750 | 2,903 |
| Average total loans | $118,748,500 | 3,002 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 3,192 |
| Cost of funding earning assets | 2.0023% | 2,111 |
| Net interest margin | 2.8477% | 3,338 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 1.8064% | 3,929 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.8272% | 2,541 |
| Return on assets (ROA) | 0.7191% | 2,898 |
| Pretax return on assets | 0.8442% | 2,887 |
| Return on Equity (ROE) | 7.0500% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.0481% | 1,640 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.2166% | 2,748 |
| Assets per employee ($millions) | 11.7534% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 2,923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.9400% | 3,122 |
| Net loans and leases to deposits | 71.9426% | 2,840 |
| Net loans and leases to core deposits | 77.1479% | 2,975 |
| Total domestic deposits to total assets | 80.5300% | 3,358 |
| Equity capital to assets | 10.4045% | 1,862 |
| Core capital (leverage) ratio | 13.2702% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $198,293,000 | 3,015 |
| Average earning assets | $186,887,000 | 2,980 |
| Average equity | $20,232,333 | 2,924 |
| Average total loans | $115,079,333 | 3,045 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 3,291 |
| Cost of funding earning assets | 1.9744% | 2,061 |
| Net interest margin | 2.7436% | 3,473 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.8083% | 3,939 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.7310% | 2,744 |
| Return on assets (ROA) | 0.7310% | 2,762 |
| Pretax return on assets | 0.8302% | 2,852 |
| Return on Equity (ROE) | 7.2400% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.2366% | 1,758 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.7414% | 2,525 |
| Assets per employee ($millions) | 11.6837% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 2,948 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 58.4200% | 3,015 |
| Net loans and leases to deposits | 71.7980% | 2,756 |
| Net loans and leases to core deposits | 76.6571% | 2,937 |
| Total domestic deposits to total assets | 81.3600% | 3,306 |
| Equity capital to assets | 10.0477% | 1,989 |
| Core capital (leverage) ratio | 13.2407% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $197,536,000 | 3,020 |
| Average earning assets | $186,178,500 | 2,991 |
| Average equity | $19,954,000 | 2,958 |
| Average total loans | $114,109,000 | 3,062 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 3,365 |
| Cost of funding earning assets | 1.4390% | 2,110 |
| Net interest margin | 2.9052% | 3,480 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.6931% | 4,141 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9396% | 2,405 |
| Return on assets (ROA) | 0.9344% | 2,405 |
| Pretax return on assets | 1.1700% | 2,216 |
| Return on Equity (ROE) | 10.0000% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.2329% | 2,882 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.4983% | 3,246 |
| Assets per employee ($millions) | 12.2781% | 383 |
| Cash dividends to net income (ytd only)* | 57.6638% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.8500% | 3,207 |
| Net loans and leases to deposits | 69.1934% | 2,937 |
| Net loans and leases to core deposits | 73.8805% | 3,079 |
| Total domestic deposits to total assets | 80.7100% | 3,355 |
| Equity capital to assets | 10.1558% | 1,915 |
| Core capital (leverage) ratio | 12.9986% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $202,472,600 | 2,976 |
| Average earning assets | $190,831,600 | 2,937 |
| Average equity | $18,923,200 | 2,944 |
| Average total loans | $105,900,400 | 3,117 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 3,400 |
| Cost of funding earning assets | 1.3319% | 2,056 |
| Net interest margin | 2.9080% | 3,526 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.7008% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9094% | 2,647 |
| Return on assets (ROA) | 0.9027% | 2,658 |
| Pretax return on assets | 1.1596% | 2,390 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.8643% | 1,444 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.2846% | 3,049 |
| Assets per employee ($millions) | 12.4821% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,850 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.4100% | 3,659 |
| Net loans and leases to deposits | 60.1336% | 3,499 |
| Net loans and leases to core deposits | 63.6866% | 3,546 |
| Total domestic deposits to total assets | 82.1700% | 3,181 |
| Equity capital to assets | 8.7514% | 2,570 |
| Core capital (leverage) ratio | 13.0183% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $203,978,500 | 2,966 |
| Average earning assets | $192,203,500 | 2,937 |
| Average equity | $18,666,250 | 2,955 |
| Average total loans | $104,642,750 | 3,129 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 3,275 |
| Cost of funding earning assets | 1.2085% | 1,961 |
| Net interest margin | 3.0017% | 3,426 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.7323% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9581% | 2,553 |
| Return on assets (ROA) | 0.9581% | 2,547 |
| Pretax return on assets | 1.2334% | 2,278 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.3111% | 1,328 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.4115% | 3,145 |
| Assets per employee ($millions) | 12.2645% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 52.5900% | 3,363 |
| Net loans and leases to deposits | 65.0583% | 3,123 |
| Net loans and leases to core deposits | 69.0476% | 3,180 |
| Total domestic deposits to total assets | 80.8400% | 3,451 |
| Equity capital to assets | 9.6885% | 2,036 |
| Core capital (leverage) ratio | 12.8863% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $201,239,667 | 2,994 |
| Average earning assets | $189,828,667 | 2,962 |
| Average equity | $18,698,333 | 2,971 |
| Average total loans | $104,185,000 | 3,128 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,105 |
| Cost of funding earning assets | 1.0047% | 2,035 |
| Net interest margin | 3.1638% | 3,201 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.7316% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0641% | 2,338 |
| Return on assets (ROA) | 1.0641% | 2,308 |
| Pretax return on assets | 1.3880% | 1,911 |
| Return on Equity (ROE) | 11.6900% | 2,299 |
| Retained earnings to average equity (ytd only) | 11.6927% | 1,325 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.5066% | 3,456 |
| Assets per employee ($millions) | 12.8468% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.7700% | 3,436 |
| Net loans and leases to deposits | 62.7720% | 3,181 |
| Net loans and leases to core deposits | 65.9759% | 3,230 |
| Total domestic deposits to total assets | 80.8800% | 3,650 |
| Equity capital to assets | 9.4771% | 2,163 |
| Core capital (leverage) ratio | 12.3268% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,743,500 | 3,013 |
| Average earning assets | $192,303,000 | 2,981 |
| Average equity | $18,541,500 | 3,014 |
| Average total loans | $104,091,500 | 3,161 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 2,783 |
| Cost of funding earning assets | 0.3889% | 2,184 |
| Net interest margin | 3.2187% | 2,814 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.5528% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2276% | 1,674 |
| Return on assets (ROA) | 1.2222% | 1,647 |
| Pretax return on assets | 1.6288% | 1,083 |
| Return on Equity (ROE) | 13.9500% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.0584% | 2,218 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.7020% | 4,208 |
| Assets per employee ($millions) | 11.8788% | 400 |
| Cash dividends to net income (ytd only)* | 49.3861% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,044 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.2900% | 3,482 |
| Net loans and leases to deposits | 59.7233% | 3,343 |
| Net loans and leases to core deposits | 62.4892% | 3,364 |
| Total domestic deposits to total assets | 84.2100% | 3,158 |
| Equity capital to assets | 8.7170% | 2,552 |
| Core capital (leverage) ratio | 12.2694% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $206,594,800 | 3,001 |
| Average earning assets | $197,472,400 | 2,957 |
| Average equity | $18,106,000 | 3,115 |
| Average total loans | $105,236,400 | 3,081 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 2,672 |
| Cost of funding earning assets | 0.3112% | 2,047 |
| Net interest margin | 3.1719% | 2,705 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.5126% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2271% | 1,601 |
| Return on assets (ROA) | 1.2200% | 1,607 |
| Pretax return on assets | 1.6256% | 1,057 |
| Return on Equity (ROE) | 13.9000% | 1,456 |
| Retained earnings to average equity (ytd only) | 13.9021% | 475 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.0628% | 4,268 |
| Assets per employee ($millions) | 11.7839% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,301 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 52.1100% | 3,265 |
| Net loans and leases to deposits | 61.4407% | 3,074 |
| Net loans and leases to core deposits | 64.0726% | 3,109 |
| Total domestic deposits to total assets | 84.8100% | 3,332 |
| Equity capital to assets | 8.7522% | 2,372 |
| Core capital (leverage) ratio | 12.2073% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $207,758,750 | 3,014 |
| Average earning assets | $199,242,000 | 2,958 |
| Average equity | $18,231,750 | 3,144 |
| Average total loans | $105,881,250 | 3,083 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 2,634 |
| Cost of funding earning assets | 0.2772% | 1,936 |
| Net interest margin | 3.0553% | 2,698 |
| Noninterest income to average assets | 0.0913% | 4,522 |
| Noninterest expense to average assets | 1.4831% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1683% | 1,545 |
| Return on assets (ROA) | 1.1577% | 1,558 |
| Pretax return on assets | 1.5411% | 1,069 |
| Return on Equity (ROE) | 13.1819% | 1,333 |
| Retained earnings to average equity (ytd only) | 13.1819% | 444 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8256% | 4,319 |
| Assets per employee ($millions) | 12.1507% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.3845% | 3,022 |
| Net loans and leases to deposits | 62.1966% | 2,874 |
| Net loans and leases to core deposits | 64.9083% | 2,901 |
| Total domestic deposits to total assets | 85.8319% | 3,289 |
| Equity capital to assets | 8.1569% | 3,004 |
| Core capital (leverage) ratio | 10.6976% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,236,000 | 3,029 |
| Average earning assets | $202,730,333 | 2,973 |
| Average equity | $18,464,667 | 3,191 |
| Average total loans | $106,013,000 | 3,110 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 2,929 |
| Cost of funding earning assets | 0.2833% | 1,785 |
| Net interest margin | 2.8330% | 3,030 |
| Noninterest income to average assets | 0.0830% | 4,564 |
| Noninterest expense to average assets | 1.4712% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0091% | 1,843 |
| Return on assets (ROA) | 1.0091% | 1,838 |
| Pretax return on assets | 1.3467% | 1,388 |
| Return on Equity (ROE) | 11.1039% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.1039% | 769 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2088% | 4,187 |
| Assets per employee ($millions) | 12.6070% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.4941% | 3,333 |
| Net loans and leases to deposits | 56.5029% | 3,218 |
| Net loans and leases to core deposits | 58.7021% | 3,258 |
| Total domestic deposits to total assets | 85.8258% | 3,316 |
| Equity capital to assets | 8.5550% | 3,113 |
| Core capital (leverage) ratio | 10.3279% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,073,000 | 3,026 |
| Average earning assets | $204,730,000 | 2,968 |
| Average equity | $19,272,500 | 3,213 |
| Average total loans | $103,335,000 | 3,145 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 3,258 |
| Cost of funding earning assets | 0.3524% | 1,916 |
| Net interest margin | 2.9318% | 3,368 |
| Noninterest income to average assets | 0.9264% | 1,142 |
| Noninterest expense to average assets | 1.3742% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9864% | 345 |
| Return on assets (ROA) | 1.9948% | 361 |
| Pretax return on assets | 2.3674% | 315 |
| Return on Equity (ROE) | 20.7545% | 274 |
| Retained earnings to average equity (ytd only) | 15.6864% | 188 |
| Net charge-offs to loans | -0.0988% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8259% | 4,741 |
| Assets per employee ($millions) | 13.1142% | 307 |
| Cash dividends to net income (ytd only)* | 24.4195% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.9176% | 3,504 |
| Net loans and leases to deposits | 57.1046% | 3,328 |
| Net loans and leases to core deposits | 59.8836% | 3,319 |
| Total domestic deposits to total assets | 83.9120% | 3,586 |
| Equity capital to assets | 9.6317% | 3,014 |
| Core capital (leverage) ratio | 9.6517% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,770,800 | 3,062 |
| Average earning assets | $192,097,200 | 3,013 |
| Average equity | $19,297,000 | 3,275 |
| Average total loans | $93,090,200 | 3,289 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 3,436 |
| Cost of funding earning assets | 0.3684% | 1,952 |
| Net interest margin | 2.9145% | 3,521 |
| Noninterest income to average assets | 1.2117% | 775 |
| Noninterest expense to average assets | 1.3689% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2635% | 286 |
| Return on assets (ROA) | 2.2635% | 302 |
| Pretax return on assets | 2.6222% | 277 |
| Return on Equity (ROE) | 23.5633% | 227 |
| Retained earnings to average equity (ytd only) | 23.5633% | 68 |
| Net charge-offs to loans | -0.1349% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2982% | 4,834 |
| Assets per employee ($millions) | 12.9099% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,523 |
| Loan loss allowance to noncurrent loans | 1,246.5909% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,869 |
| Noncurrent loans to loans | 0.0868% | 3,651 |
| Net loans and leases to total assets | 48.5767% | 3,564 |
| Net loans and leases to deposits | 57.4794% | 3,449 |
| Net loans and leases to core deposits | 60.1964% | 3,459 |
| Total domestic deposits to total assets | 84.5114% | 3,296 |
| Equity capital to assets | 10.2034% | 2,705 |
| Core capital (leverage) ratio | 10.1114% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,506,750 | 3,111 |
| Average earning assets | $189,299,750 | 3,073 |
| Average equity | $19,068,750 | 3,339 |
| Average total loans | $90,952,500 | 3,364 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 3,623 |
| Cost of funding earning assets | 0.3868% | 1,994 |
| Net interest margin | 2.8381% | 3,705 |
| Noninterest income to average assets | 0.1072% | 4,665 |
| Noninterest expense to average assets | 1.3768% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0990% | 2,555 |
| Return on assets (ROA) | 1.0990% | 2,622 |
| Pretax return on assets | 1.4431% | 2,204 |
| Return on Equity (ROE) | 11.6959% | 2,164 |
| Retained earnings to average equity (ytd only) | 11.6959% | 977 |
| Net charge-offs to loans | -0.0229% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8229% | 4,336 |
| Assets per employee ($millions) | 12.6256% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.5356% | 3,935 |
| Net loans and leases to deposits | 53.3726% | 3,900 |
| Net loans and leases to core deposits | 55.8330% | 3,898 |
| Total domestic deposits to total assets | 85.3165% | 2,980 |
| Equity capital to assets | 9.3080% | 3,502 |
| Core capital (leverage) ratio | 9.2567% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,823,000 | 3,132 |
| Average earning assets | $187,167,000 | 3,089 |
| Average equity | $18,399,667 | 3,391 |
| Average total loans | $87,458,000 | 3,435 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 3,392 |
| Cost of funding earning assets | 0.4271% | 1,882 |
| Net interest margin | 2.8984% | 3,531 |
| Noninterest income to average assets | 0.0913% | 4,722 |
| Noninterest expense to average assets | 1.3802% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1311% | 2,383 |
| Return on assets (ROA) | 1.1311% | 2,457 |
| Pretax return on assets | 1.4860% | 2,039 |
| Return on Equity (ROE) | 11.9793% | 2,021 |
| Retained earnings to average equity (ytd only) | 11.9793% | 1,151 |
| Net charge-offs to loans | -0.0236% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1535% | 4,330 |
| Assets per employee ($millions) | 14.5160% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 3,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.5458% | 4,263 |
| Net loans and leases to deposits | 48.4665% | 4,245 |
| Net loans and leases to core deposits | 50.7679% | 4,256 |
| Total domestic deposits to total assets | 85.7207% | 2,852 |
| Equity capital to assets | 8.8853% | 3,801 |
| Core capital (leverage) ratio | 9.4891% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,730,000 | 3,143 |
| Average earning assets | $184,517,500 | 3,099 |
| Average equity | $18,198,000 | 3,405 |
| Average total loans | $84,686,500 | 3,487 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 2,478 |
| Cost of funding earning assets | 0.6511% | 1,986 |
| Net interest margin | 3.4305% | 2,671 |
| Noninterest income to average assets | 0.1223% | 4,662 |
| Noninterest expense to average assets | 1.6527% | 4,663 |
| Loan and lease loss provision to assets | 0.1411% | 2,592 |
| Net operating income to assets | 1.2236% | 1,468 |
| Return on assets (ROA) | 1.2226% | 1,585 |
| Pretax return on assets | 1.5844% | 1,108 |
| Return on Equity (ROE) | 10.8964% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.4314% | 2,076 |
| Net charge-offs to loans | -0.0240% | 4,475 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9054% | 4,587 |
| Assets per employee ($millions) | 13.0169% | 264 |
| Cash dividends to net income (ytd only)* | 50.1538% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.5053% | 4,161 |
| Net loans and leases to deposits | 54.9848% | 4,072 |
| Net loans and leases to core deposits | 58.0201% | 4,052 |
| Total domestic deposits to total assets | 82.7597% | 3,477 |
| Equity capital to assets | 10.0633% | 3,073 |
| Core capital (leverage) ratio | 9.8585% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,497,200 | 3,290 |
| Average earning assets | $151,437,000 | 3,253 |
| Average equity | $17,895,800 | 3,374 |
| Average total loans | $87,420,000 | 3,447 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 3,081 |
| Cost of funding earning assets | 0.6975% | 2,033 |
| Net interest margin | 3.2649% | 3,297 |
| Noninterest income to average assets | 0.1318% | 4,631 |
| Noninterest expense to average assets | 1.7033% | 4,622 |
| Loan and lease loss provision to assets | 0.1300% | 2,722 |
| Net operating income to assets | 1.0866% | 2,032 |
| Return on assets (ROA) | 1.0818% | 2,172 |
| Pretax return on assets | 1.3843% | 1,784 |
| Return on Equity (ROE) | 9.3560% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.3560% | 888 |
| Net charge-offs to loans | -0.0242% | 4,467 |
| Credit loss provision to net charge-offs | -937.5000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8368% | 4,268 |
| Assets per employee ($millions) | 12.4039% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.9428% | 3,423 |
| Net loans and leases to deposits | 70.5991% | 3,255 |
| Net loans and leases to core deposits | 75.0963% | 3,233 |
| Total domestic deposits to total assets | 82.0730% | 3,401 |
| Equity capital to assets | 10.6948% | 2,626 |
| Core capital (leverage) ratio | 10.6590% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,812,500 | 3,335 |
| Average earning assets | $145,666,750 | 3,298 |
| Average equity | $17,785,000 | 3,384 |
| Average total loans | $88,292,000 | 3,447 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 3,058 |
| Cost of funding earning assets | 0.7603% | 2,053 |
| Net interest margin | 3.3374% | 3,284 |
| Noninterest income to average assets | 0.1508% | 4,547 |
| Noninterest expense to average assets | 1.7813% | 4,584 |
| Loan and lease loss provision to assets | 0.0815% | 3,265 |
| Net operating income to assets | 1.1284% | 1,880 |
| Return on assets (ROA) | 1.1209% | 2,018 |
| Pretax return on assets | 1.4334% | 1,630 |
| Return on Equity (ROE) | 9.4164% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.4164% | 907 |
| Net charge-offs to loans | -0.0238% | 4,464 |
| Credit loss provision to net charge-offs | -600.0000% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8841% | 4,192 |
| Assets per employee ($millions) | 10.9328% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.0334% | 3,327 |
| Net loans and leases to deposits | 73.9281% | 3,081 |
| Net loans and leases to core deposits | 79.9003% | 2,955 |
| Total domestic deposits to total assets | 81.2052% | 3,561 |
| Equity capital to assets | 11.0566% | 2,291 |
| Core capital (leverage) ratio | 11.0471% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,198,667 | 3,399 |
| Average earning assets | $139,149,667 | 3,359 |
| Average equity | $17,522,667 | 3,414 |
| Average total loans | $83,874,333 | 3,520 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,846 |
| Cost of funding earning assets | 0.8184% | 2,288 |
| Net interest margin | 3.5057% | 2,958 |
| Noninterest income to average assets | 0.2017% | 4,343 |
| Noninterest expense to average assets | 1.8357% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3041% | 1,237 |
| Return on assets (ROA) | 1.2882% | 1,366 |
| Pretax return on assets | 1.6542% | 938 |
| Return on Equity (ROE) | 10.3845% | 1,617 |
| Retained earnings to average equity (ytd only) | 10.3845% | 667 |
| Net charge-offs to loans | -0.0158% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2989% | 4,532 |
| Assets per employee ($millions) | 10.1309% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 52.9588% | 4,059 |
| Net loans and leases to deposits | 65.9540% | 3,867 |
| Net loans and leases to core deposits | 72.8100% | 3,710 |
| Total domestic deposits to total assets | 80.2965% | 3,800 |
| Equity capital to assets | 12.3356% | 1,838 |
| Core capital (leverage) ratio | 12.3789% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,802,000 | 3,470 |
| Average earning assets | $130,987,500 | 3,434 |
| Average equity | $17,218,000 | 3,450 |
| Average total loans | $76,172,000 | 3,640 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 3,537 |
| Cost of funding earning assets | 0.8540% | 2,408 |
| Net interest margin | 3.4493% | 3,592 |
| Noninterest income to average assets | 0.1536% | 4,723 |
| Noninterest expense to average assets | 1.9238% | 4,635 |
| Loan and lease loss provision to assets | 0.0640% | 2,750 |
| Net operating income to assets | 1.0558% | 2,635 |
| Return on assets (ROA) | 1.0703% | 2,670 |
| Pretax return on assets | 1.4087% | 2,128 |
| Return on Equity (ROE) | 7.9759% | 3,170 |
| Retained earnings to average equity (ytd only) | 2.5632% | 3,752 |
| Net charge-offs to loans | -0.0305% | 4,713 |
| Credit loss provision to net charge-offs | -380.9524% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9500% | 4,096 |
| Assets per employee ($millions) | 9.0514% | 497 |
| Cash dividends to net income (ytd only)* | 67.8625% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.7630% | 3,936 |
| Net loans and leases to deposits | 70.4390% | 3,633 |
| Net loans and leases to core deposits | 77.7558% | 3,459 |
| Total domestic deposits to total assets | 79.1649% | 4,156 |
| Equity capital to assets | 12.4769% | 1,830 |
| Core capital (leverage) ratio | 12.8438% | 1,315 |
| Tier 1 risk-based capital ratio | 17.3750% | 1,930 |
| Total risk-based capital ratio | 18.1697% | 2,025 |
| Memoranda: | ||
| Average total assets | $125,010,200 | 3,630 |
| Average earning assets | $116,864,200 | 3,605 |
| Average equity | $16,775,600 | 3,462 |
| Average total loans | $68,784,200 | 3,798 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 3,609 |
| Cost of funding earning assets | 0.8549% | 2,443 |
| Net interest margin | 3.4617% | 3,690 |
| Noninterest income to average assets | 0.1439% | 4,821 |
| Noninterest expense to average assets | 1.9555% | 4,636 |
| Loan and lease loss provision to assets | 0.0599% | 2,695 |
| Net operating income to assets | 1.0299% | 2,860 |
| Return on assets (ROA) | 1.0497% | 2,877 |
| Pretax return on assets | 1.3800% | 2,388 |
| Return on Equity (ROE) | 7.6726% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.6726% | 1,552 |
| Net charge-offs to loans | -0.0319% | 4,715 |
| Credit loss provision to net charge-offs | -343.7500% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0207% | 3,937 |
| Assets per employee ($millions) | 8.3399% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.0948% | 3,878 |
| Net loans and leases to deposits | 74.8011% | 3,407 |
| Net loans and leases to core deposits | 82.2443% | 3,233 |
| Total domestic deposits to total assets | 77.6657% | 4,416 |
| Equity capital to assets | 13.9761% | 1,167 |
| Core capital (leverage) ratio | 14.1115% | 957 |
| Tier 1 risk-based capital ratio | 18.5763% | 1,670 |
| Total risk-based capital ratio | 19.3679% | 1,744 |
| Memoranda: | ||
| Average total assets | $122,320,000 | 3,696 |
| Average earning assets | $114,007,750 | 3,678 |
| Average equity | $16,734,500 | 3,492 |
| Average total loans | $66,863,000 | 3,880 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 3,770 |
| Cost of funding earning assets | 0.8301% | 2,499 |
| Net interest margin | 3.4265% | 3,810 |
| Noninterest income to average assets | 0.1433% | 4,851 |
| Noninterest expense to average assets | 1.9886% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0314% | 2,798 |
| Return on assets (ROA) | 1.0314% | 2,880 |
| Pretax return on assets | 1.3510% | 2,377 |
| Return on Equity (ROE) | 7.5949% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.5949% | 1,562 |
| Net charge-offs to loans | -0.0309% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5461% | 3,792 |
| Assets per employee ($millions) | 8.5106% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 55.2993% | 4,119 |
| Net loans and leases to deposits | 71.8110% | 3,706 |
| Net loans and leases to core deposits | 78.5794% | 3,533 |
| Total domestic deposits to total assets | 77.0067% | 4,555 |
| Equity capital to assets | 14.3754% | 992 |
| Core capital (leverage) ratio | 13.8965% | 999 |
| Tier 1 risk-based capital ratio | 19.6648% | 1,410 |
| Total risk-based capital ratio | 20.4504% | 1,472 |
| Memoranda: | ||
| Average total assets | $121,393,670 | 3,739 |
| Average earning assets | $113,235,670 | 3,720 |
| Average equity | $16,484,670 | 3,515 |
| Average total loans | $64,682,330 | 3,963 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 3,935 |
| Cost of funding earning assets | 0.7655% | 2,707 |
| Net interest margin | 3.4115% | 3,860 |
| Noninterest income to average assets | 0.1371% | 4,912 |
| Noninterest expense to average assets | 1.9165% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0676% | 2,586 |
| Return on assets (ROA) | 1.0676% | 2,638 |
| Pretax return on assets | 1.4072% | 2,057 |
| Return on Equity (ROE) | 8.0926% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.0926% | 1,621 |
| Net charge-offs to loans | -0.0314% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6621% | 4,126 |
| Assets per employee ($millions) | 8.2253% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 51.4731% | 4,380 |
| Net loans and leases to deposits | 65.9060% | 4,058 |
| Net loans and leases to core deposits | 70.7772% | 4,027 |
| Total domestic deposits to total assets | 78.1008% | 4,498 |
| Equity capital to assets | 13.3094% | 1,291 |
| Core capital (leverage) ratio | 13.7416% | 1,014 |
| Tier 1 risk-based capital ratio | 19.6668% | 1,405 |
| Total risk-based capital ratio | 20.4606% | 1,472 |
| Memoranda: | ||
| Average total assets | $122,516,500 | 3,757 |
| Average earning assets | $114,435,500 | 3,741 |
| Average equity | $16,163,000 | 3,559 |
| Average total loans | $63,745,000 | 4,015 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 3,784 |
| Cost of funding earning assets | 0.6670% | 2,288 |
| Net interest margin | 3.4178% | 3,952 |
| Noninterest income to average assets | 0.2101% | 4,657 |
| Noninterest expense to average assets | 1.9892% | 4,776 |
| Loan and lease loss provision to assets | 0.0041% | 4,028 |
| Net operating income to assets | 1.0763% | 2,691 |
| Return on assets (ROA) | 1.0594% | 2,748 |
| Pretax return on assets | 1.3786% | 2,211 |
| Return on Equity (ROE) | 8.1715% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.8673% | 3,968 |
| Net charge-offs to loans | -0.0784% | 5,094 |
| Credit loss provision to net charge-offs | -9.6154% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6215% | 4,060 |
| Assets per employee ($millions) | 9.3580% | 413 |
| Cash dividends to net income (ytd only)* | 64.9109% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.5067% | 4,432 |
| Net loans and leases to deposits | 65.0648% | 4,180 |
| Net loans and leases to core deposits | 69.7975% | 4,125 |
| Total domestic deposits to total assets | 79.1622% | 4,277 |
| Equity capital to assets | 13.0740% | 1,312 |
| Core capital (leverage) ratio | 13.5582% | 1,059 |
| Tier 1 risk-based capital ratio | 19.6074% | 1,385 |
| Total risk-based capital ratio | 20.4086% | 1,448 |
| Memoranda: | ||
| Average total assets | $121,858,400 | 3,759 |
| Average earning assets | $113,492,600 | 3,746 |
| Average equity | $15,798,800 | 3,532 |
| Average total loans | $66,287,800 | 3,959 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,693 |
| Cost of funding earning assets | 0.6475% | 2,166 |
| Net interest margin | 3.4339% | 3,910 |
| Noninterest income to average assets | 0.1794% | 4,888 |
| Noninterest expense to average assets | 1.9380% | 4,842 |
| Loan and lease loss provision to assets | 0.0055% | 3,866 |
| Net operating income to assets | 1.1008% | 2,664 |
| Return on assets (ROA) | 1.0784% | 2,764 |
| Pretax return on assets | 1.4032% | 2,215 |
| Return on Equity (ROE) | 8.3351% | 3,404 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,501 |
| Net charge-offs to loans | -0.0935% | 5,146 |
| Credit loss provision to net charge-offs | -10.6383% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4206% | 4,195 |
| Assets per employee ($millions) | 7.9061% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,820 |
| Loan loss allowance to noncurrent loans | 403.0864% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 4,266 |
| Noncurrent loans to loans | 0.2461% | 3,810 |
| Net loans and leases to total assets | 54.9548% | 4,297 |
| Net loans and leases to deposits | 69.1553% | 3,982 |
| Net loans and leases to core deposits | 74.2811% | 3,930 |
| Total domestic deposits to total assets | 79.4657% | 4,221 |
| Equity capital to assets | 13.5043% | 1,132 |
| Core capital (leverage) ratio | 13.7572% | 1,008 |
| Tier 1 risk-based capital ratio | 20.1074% | 1,316 |
| Total risk-based capital ratio | 20.8961% | 1,374 |
| Memoranda: | ||
| Average total assets | $121,909,500 | 3,800 |
| Average earning assets | $113,455,500 | 3,792 |
| Average equity | $15,772,250 | 3,560 |
| Average total loans | $67,030,000 | 3,969 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,838 |
| Cost of funding earning assets | 0.5891% | 2,300 |
| Net interest margin | 3.3912% | 3,981 |
| Noninterest income to average assets | 0.1951% | 4,849 |
| Noninterest expense to average assets | 1.9461% | 4,891 |
| Loan and lease loss provision to assets | 0.0081% | 3,681 |
| Net operating income to assets | 1.0772% | 2,677 |
| Return on assets (ROA) | 1.0438% | 2,832 |
| Pretax return on assets | 1.3527% | 2,316 |
| Return on Equity (ROE) | 8.1829% | 3,426 |
| Retained earnings to average equity (ytd only) | 8.1829% | 1,544 |
| Net charge-offs to loans | -0.0178% | 4,516 |
| Credit loss provision to net charge-offs | -83.3333% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1068% | 4,214 |
| Assets per employee ($millions) | 10.1257% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,214 |
| Loan loss allowance to noncurrent loans | 377.7778% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,331 |
| Noncurrent loans to loans | 0.2457% | 3,822 |
| Net loans and leases to total assets | 53.7701% | 4,360 |
| Net loans and leases to deposits | 69.0375% | 3,947 |
| Net loans and leases to core deposits | 73.8607% | 3,888 |
| Total domestic deposits to total assets | 77.8854% | 4,605 |
| Equity capital to assets | 13.0000% | 1,293 |
| Core capital (leverage) ratio | 13.6939% | 995 |
| Tier 1 risk-based capital ratio | 19.5602% | 1,417 |
| Total risk-based capital ratio | 20.2951% | 1,505 |
| Memoranda: | ||
| Average total assets | $123,015,330 | 3,809 |
| Average earning assets | $114,415,000 | 3,801 |
| Average equity | $15,691,330 | 3,588 |
| Average total loans | $67,431,670 | 3,987 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,891 |
| Cost of funding earning assets | 0.5287% | 2,550 |
| Net interest margin | 3.3846% | 3,932 |
| Noninterest income to average assets | 0.2392% | 4,567 |
| Noninterest expense to average assets | 1.9197% | 4,993 |
| Loan and lease loss provision to assets | 0.0162% | 3,323 |
| Net operating income to assets | 1.1117% | 2,372 |
| Return on assets (ROA) | 1.1117% | 2,391 |
| Pretax return on assets | 1.4479% | 1,847 |
| Return on Equity (ROE) | 8.7985% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.7985% | 1,541 |
| Net charge-offs to loans | -0.0117% | 4,316 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7335% | 4,492 |
| Assets per employee ($millions) | 10.3354% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,451 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,475 |
| Noncurrent loans to loans | 0.2249% | 3,976 |
| Net loans and leases to total assets | 54.0141% | 4,280 |
| Net loans and leases to deposits | 67.7162% | 3,965 |
| Net loans and leases to core deposits | 71.2496% | 4,015 |
| Total domestic deposits to total assets | 79.7654% | 4,453 |
| Equity capital to assets | 12.5459% | 1,458 |
| Core capital (leverage) ratio | 13.1213% | 1,130 |
| Tier 1 risk-based capital ratio | 18.8733% | 1,582 |
| Total risk-based capital ratio | 19.5908% | 1,702 |
| Memoranda: | ||
| Average total assets | $123,769,000 | 3,835 |
| Average earning assets | $114,991,000 | 3,831 |
| Average equity | $15,639,000 | 3,631 |
| Average total loans | $68,174,000 | 4,006 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 3,555 |
| Cost of funding earning assets | 0.4913% | 2,414 |
| Net interest margin | 3.4630% | 3,647 |
| Noninterest income to average assets | 0.2173% | 4,854 |
| Noninterest expense to average assets | 2.1670% | 4,607 |
| Loan and lease loss provision to assets | 0.0549% | 3,129 |
| Net operating income to assets | 0.7958% | 3,180 |
| Return on assets (ROA) | 0.7953% | 3,227 |
| Pretax return on assets | 1.2020% | 2,763 |
| Return on Equity (ROE) | 6.3167% | 3,617 |
| Retained earnings to average equity (ytd only) | 1.7648% | 4,257 |
| Net charge-offs to loans | 0.3704% | 688 |
| Credit loss provision to net charge-offs | 26.6932% | 3,565 |
| Earnings coverage of net charge-offs (x) | 6.1116% | 3,226 |
| Efficiency ratio | 63.2751% | 3,720 |
| Assets per employee ($millions) | 9.5070% | 374 |
| Cash dividends to net income (ytd only)* | 72.0619% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 5,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 1,449 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.2370% | 4,254 |
| Net loans and leases to deposits | 70.9905% | 3,791 |
| Net loans and leases to core deposits | 75.0825% | 3,807 |
| Total domestic deposits to total assets | 77.8091% | 4,745 |
| Equity capital to assets | 12.7809% | 1,365 |
| Core capital (leverage) ratio | 12.4923% | 1,362 |
| Tier 1 risk-based capital ratio | 18.2656% | 1,722 |
| Total risk-based capital ratio | 18.8277% | 1,876 |
| Memoranda: | ||
| Average total assets | $121,965,400 | 3,858 |
| Average earning assets | $112,966,200 | 3,865 |
| Average equity | $15,356,000 | 3,674 |
| Average total loans | $67,766,800 | 4,011 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,618 |
| Cost of funding earning assets | 0.4723% | 2,497 |
| Net interest margin | 3.4495% | 3,676 |
| Noninterest income to average assets | 0.1898% | 5,066 |
| Noninterest expense to average assets | 2.0138% | 4,923 |
| Loan and lease loss provision to assets | 0.0494% | 3,106 |
| Net operating income to assets | 0.8826% | 3,117 |
| Return on assets (ROA) | 0.8819% | 3,164 |
| Pretax return on assets | 1.3217% | 2,389 |
| Return on Equity (ROE) | 7.0312% | 3,645 |
| Retained earnings to average equity (ytd only) | 7.0312% | 1,676 |
| Net charge-offs to loans | 0.4976% | 411 |
| Credit loss provision to net charge-offs | 17.8571% | 3,175 |
| Earnings coverage of net charge-offs (x) | 4.9643% | 3,165 |
| Efficiency ratio | 59.4752% | 4,293 |
| Assets per employee ($millions) | 9.5489% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 5,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 1,360 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.4317% | 4,461 |
| Net loans and leases to deposits | 68.7372% | 4,062 |
| Net loans and leases to core deposits | 72.8751% | 4,077 |
| Total domestic deposits to total assets | 77.7333% | 4,765 |
| Equity capital to assets | 13.0196% | 1,383 |
| Core capital (leverage) ratio | 12.9450% | 1,230 |
| Tier 1 risk-based capital ratio | 18.7716% | 1,653 |
| Total risk-based capital ratio | 19.3154% | 1,792 |
| Memoranda: | ||
| Average total assets | $121,559,000 | 3,909 |
| Average earning assets | $112,630,750 | 3,911 |
| Average equity | $15,246,000 | 3,722 |
| Average total loans | $67,521,250 | 4,052 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,651 |
| Cost of funding earning assets | 0.4507% | 2,595 |
| Net interest margin | 3.4201% | 3,702 |
| Noninterest income to average assets | 0.1392% | 5,357 |
| Noninterest expense to average assets | 2.0149% | 4,947 |
| Loan and lease loss provision to assets | 0.0381% | 3,250 |
| Net operating income to assets | 0.8595% | 3,117 |
| Return on assets (ROA) | 0.8583% | 3,172 |
| Pretax return on assets | 1.2659% | 2,512 |
| Return on Equity (ROE) | 6.9341% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.9341% | 1,625 |
| Net charge-offs to loans | 0.7142% | 270 |
| Credit loss provision to net charge-offs | 9.5041% | 2,858 |
| Earnings coverage of net charge-offs (x) | 3.2562% | 3,074 |
| Efficiency ratio | 60.6786% | 4,215 |
| Assets per employee ($millions) | 8.6215% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 1,479 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.7977% | 4,499 |
| Net loans and leases to deposits | 66.7132% | 4,170 |
| Net loans and leases to core deposits | 74.2381% | 3,922 |
| Total domestic deposits to total assets | 79.1412% | 4,592 |
| Equity capital to assets | 11.9616% | 1,957 |
| Core capital (leverage) ratio | 12.7821% | 1,262 |
| Tier 1 risk-based capital ratio | 17.3168% | 2,060 |
| Total risk-based capital ratio | 17.8305% | 2,240 |
| Memoranda: | ||
| Average total assets | $120,700,000 | 3,950 |
| Average earning assets | $112,278,670 | 3,939 |
| Average equity | $14,940,670 | 3,770 |
| Average total loans | $67,766,330 | 4,068 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,532 |
| Cost of funding earning assets | 0.4318% | 2,700 |
| Net interest margin | 3.4323% | 3,517 |
| Noninterest income to average assets | 0.1409% | 5,405 |
| Noninterest expense to average assets | 2.0792% | 4,891 |
| Loan and lease loss provision to assets | 0.0516% | 2,779 |
| Net operating income to assets | 0.8661% | 2,920 |
| Return on assets (ROA) | 0.8661% | 2,971 |
| Pretax return on assets | 1.2063% | 2,569 |
| Return on Equity (ROE) | 6.8681% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.8681% | 1,901 |
| Net charge-offs to loans | -0.1665% | 5,586 |
| Credit loss provision to net charge-offs | -53.5714% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3069% | 4,105 |
| Assets per employee ($millions) | 8.0357% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 57.3394% | 4,034 |
| Net loans and leases to deposits | 73.3632% | 3,465 |
| Net loans and leases to core deposits | 82.4641% | 3,045 |
| Total domestic deposits to total assets | 78.1582% | 4,951 |
| Equity capital to assets | 12.3002% | 1,659 |
| Core capital (leverage) ratio | 13.1726% | 1,074 |
| Tier 1 risk-based capital ratio | 17.1863% | 2,123 |
| Total risk-based capital ratio | 18.0090% | 2,231 |
| Memoranda: | ||
| Average total assets | $116,389,000 | 4,054 |
| Average earning assets | $108,382,500 | 4,040 |
| Average equity | $14,676,500 | 3,818 |
| Average total loans | $67,287,000 | 4,106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,656 |
| Cost of funding earning assets | 0.4533% | 2,508 |
| Net interest margin | 3.4238% | 3,735 |
| Noninterest income to average assets | 0.1704% | 5,370 |
| Noninterest expense to average assets | 1.9728% | 5,249 |
| Loan and lease loss provision to assets | 0.1985% | 1,174 |
| Net operating income to assets | 0.7676% | 3,462 |
| Return on assets (ROA) | 0.7947% | 3,432 |
| Pretax return on assets | 1.2233% | 2,577 |
| Return on Equity (ROE) | 6.0198% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.4642% | 4,118 |
| Net charge-offs to loans | 0.4961% | 498 |
| Credit loss provision to net charge-offs | 70.8738% | 3,122 |
| Earnings coverage of net charge-offs (x) | 4.9288% | 3,418 |
| Efficiency ratio | 58.8378% | 4,741 |
| Assets per employee ($millions) | 7.4829% | 737 |
| Cash dividends to net income (ytd only)* | 59.0650% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.0967% | 4,152 |
| Net loans and leases to deposits | 71.7708% | 3,734 |
| Net loans and leases to core deposits | 80.6227% | 3,340 |
| Total domestic deposits to total assets | 79.5542% | 4,669 |
| Equity capital to assets | 12.9425% | 1,280 |
| Core capital (leverage) ratio | 13.1286% | 1,092 |
| Tier 1 risk-based capital ratio | 18.1152% | 1,822 |
| Total risk-based capital ratio | 18.9462% | 1,913 |
| Memoranda: | ||
| Average total assets | $110,352,800 | 4,153 |
| Average earning assets | $102,577,400 | 4,151 |
| Average equity | $14,568,600 | 3,863 |
| Average total loans | $62,283,000 | 4,219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,858 |
| Cost of funding earning assets | 0.4551% | 2,507 |
| Net interest margin | 3.3680% | 3,962 |
| Noninterest income to average assets | 0.1699% | 5,418 |
| Noninterest expense to average assets | 1.9597% | 5,280 |
| Loan and lease loss provision to assets | 0.0121% | 4,005 |
| Net operating income to assets | 0.8689% | 3,053 |
| Return on assets (ROA) | 0.9052% | 3,015 |
| Pretax return on assets | 1.3881% | 2,076 |
| Return on Equity (ROE) | 6.8224% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.8224% | 1,712 |
| Net charge-offs to loans | -0.0086% | 4,733 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3096% | 4,646 |
| Assets per employee ($millions) | 7.8787% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 3,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.5946% | 4,040 |
| Net loans and leases to deposits | 74.0994% | 3,587 |
| Net loans and leases to core deposits | 83.1984% | 3,197 |
| Total domestic deposits to total assets | 79.0756% | 4,704 |
| Equity capital to assets | 13.4531% | 1,269 |
| Core capital (leverage) ratio | 13.4503% | 1,018 |
| Tier 1 risk-based capital ratio | 18.0952% | 1,886 |
| Total risk-based capital ratio | 19.0592% | 1,933 |
| Memoranda: | ||
| Average total assets | $109,880,250 | 4,195 |
| Average earning assets | $102,253,750 | 4,185 |
| Average equity | $14,579,000 | 3,901 |
| Average total loans | $61,665,750 | 4,269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,057 |
| Cost of funding earning assets | 0.4480% | 2,589 |
| Net interest margin | 3.3221% | 4,153 |
| Noninterest income to average assets | 0.1695% | 5,471 |
| Noninterest expense to average assets | 1.9592% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8596% | 3,051 |
| Return on assets (ROA) | 0.9149% | 2,925 |
| Pretax return on assets | 1.3887% | 2,069 |
| Return on Equity (ROE) | 6.9278% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.9278% | 1,641 |
| Net charge-offs to loans | -0.0099% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0223% | 4,638 |
| Assets per employee ($millions) | 7.7909% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.5138% | 4,168 |
| Net loans and leases to deposits | 74.0603% | 3,584 |
| Net loans and leases to core deposits | 83.4302% | 3,132 |
| Total domestic deposits to total assets | 77.6581% | 5,059 |
| Equity capital to assets | 13.4396% | 1,264 |
| Core capital (leverage) ratio | 13.3011% | 1,056 |
| Tier 1 risk-based capital ratio | 18.3122% | 1,846 |
| Total risk-based capital ratio | 19.2879% | 1,890 |
| Memoranda: | ||
| Average total assets | $109,739,670 | 4,232 |
| Average earning assets | $102,223,000 | 4,216 |
| Average equity | $14,492,330 | 3,932 |
| Average total loans | $60,421,000 | 4,331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,167 |
| Cost of funding earning assets | 0.4417% | 2,671 |
| Net interest margin | 3.2991% | 4,221 |
| Noninterest income to average assets | 0.1708% | 5,468 |
| Noninterest expense to average assets | 1.9224% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8963% | 2,772 |
| Return on assets (ROA) | 0.9012% | 2,876 |
| Pretax return on assets | 1.3228% | 2,206 |
| Return on Equity (ROE) | 6.8846% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.8846% | 1,944 |
| Net charge-offs to loans | -0.0068% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3715% | 4,826 |
| Assets per employee ($millions) | 8.4502% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.0509% | 4,448 |
| Net loans and leases to deposits | 69.1697% | 3,936 |
| Net loans and leases to core deposits | 78.0308% | 3,488 |
| Total domestic deposits to total assets | 78.1424% | 5,118 |
| Equity capital to assets | 13.2979% | 1,272 |
| Core capital (leverage) ratio | 13.1034% | 1,122 |
| Tier 1 risk-based capital ratio | 19.0881% | 1,711 |
| Total risk-based capital ratio | 20.0967% | 1,732 |
| Memoranda: | ||
| Average total assets | $110,073,000 | 4,260 |
| Average earning assets | $102,331,000 | 4,245 |
| Average equity | $14,409,000 | 3,950 |
| Average total loans | $58,886,500 | 4,415 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,492 |
| Cost of funding earning assets | 0.4545% | 2,584 |
| Net interest margin | 3.7660% | 2,497 |
| Noninterest income to average assets | 0.2214% | 5,274 |
| Noninterest expense to average assets | 2.1599% | 5,134 |
| Loan and lease loss provision to assets | 0.3301% | 482 |
| Net operating income to assets | 0.7999% | 3,342 |
| Return on assets (ROA) | 0.8485% | 3,191 |
| Pretax return on assets | 1.2118% | 2,613 |
| Return on Equity (ROE) | 5.9927% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.8293% | 4,055 |
| Net charge-offs to loans | 0.2184% | 1,352 |
| Credit loss provision to net charge-offs | 254.2636% | 1,133 |
| Earnings coverage of net charge-offs (x) | 11.3411% | 2,593 |
| Efficiency ratio | 59.4625% | 4,978 |
| Assets per employee ($millions) | 7.8781% | 592 |
| Cash dividends to net income (ytd only)* | 52.7877% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.5767% | 4,730 |
| Net loans and leases to deposits | 64.9517% | 4,405 |
| Net loans and leases to core deposits | 72.1473% | 4,119 |
| Total domestic deposits to total assets | 79.4078% | 4,885 |
| Equity capital to assets | 12.8837% | 1,409 |
| Core capital (leverage) ratio | 12.9651% | 1,157 |
| Tier 1 risk-based capital ratio | 19.5745% | 1,569 |
| Total risk-based capital ratio | 20.6253% | 1,577 |
| Memoranda: | ||
| Average total assets | $99,354,200 | 4,471 |
| Average earning assets | $89,988,400 | 4,506 |
| Average equity | $14,067,000 | 3,960 |
| Average total loans | $59,075,000 | 4,400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,071 |
| Cost of funding earning assets | 0.4543% | 2,642 |
| Net interest margin | 3.8971% | 2,043 |
| Noninterest income to average assets | 0.2305% | 5,275 |
| Noninterest expense to average assets | 2.2162% | 5,010 |
| Loan and lease loss provision to assets | 0.2470% | 696 |
| Net operating income to assets | 0.8847% | 3,020 |
| Return on assets (ROA) | 0.9011% | 3,042 |
| Pretax return on assets | 1.2944% | 2,422 |
| Return on Equity (ROE) | 6.2050% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.2050% | 2,115 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3496% | 4,964 |
| Assets per employee ($millions) | 8.6093% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 4,178 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.1057% | 4,234 |
| Net loans and leases to deposits | 66.8855% | 4,289 |
| Net loans and leases to core deposits | 74.2278% | 3,995 |
| Total domestic deposits to total assets | 85.3783% | 2,839 |
| Equity capital to assets | 13.9780% | 1,032 |
| Core capital (leverage) ratio | 14.2525% | 798 |
| Tier 1 risk-based capital ratio | 18.9813% | 1,780 |
| Total risk-based capital ratio | 19.9694% | 1,808 |
| Memoranda: | ||
| Average total assets | $96,619,250 | 4,573 |
| Average earning assets | $86,865,750 | 4,611 |
| Average equity | $14,031,250 | 4,009 |
| Average total loans | $59,433,500 | 4,439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 1,412 |
| Cost of funding earning assets | 0.4665% | 2,547 |
| Net interest margin | 4.0793% | 1,414 |
| Noninterest income to average assets | 0.2267% | 5,343 |
| Noninterest expense to average assets | 2.2672% | 4,935 |
| Loan and lease loss provision to assets | 0.3793% | 331 |
| Net operating income to assets | 0.8463% | 3,140 |
| Return on assets (ROA) | 0.8582% | 3,196 |
| Pretax return on assets | 1.2290% | 2,656 |
| Return on Equity (ROE) | 5.8296% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.8296% | 2,339 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7589% | 5,140 |
| Assets per employee ($millions) | 6.7466% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 4,179 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.6186% | 4,026 |
| Net loans and leases to deposits | 69.6318% | 3,969 |
| Net loans and leases to core deposits | 74.0379% | 3,957 |
| Total domestic deposits to total assets | 84.1837% | 3,490 |
| Equity capital to assets | 14.8847% | 722 |
| Core capital (leverage) ratio | 14.8703% | 642 |
| Tier 1 risk-based capital ratio | 19.2814% | 1,721 |
| Total risk-based capital ratio | 20.3058% | 1,752 |
| Memoranda: | ||
| Average total assets | $94,388,330 | 4,672 |
| Average earning assets | $84,033,670 | 4,729 |
| Average equity | $13,894,670 | 4,059 |
| Average total loans | $59,334,000 | 4,484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 1,879 |
| Cost of funding earning assets | 0.4554% | 2,716 |
| Net interest margin | 3.9127% | 1,850 |
| Noninterest income to average assets | 0.2160% | 5,407 |
| Noninterest expense to average assets | 2.2407% | 5,038 |
| Loan and lease loss provision to assets | 0.0890% | 2,211 |
| Net operating income to assets | 1.0720% | 1,967 |
| Return on assets (ROA) | 1.0971% | 1,993 |
| Pretax return on assets | 1.4867% | 1,607 |
| Return on Equity (ROE) | 7.4726% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.4726% | 1,778 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2385% | 5,191 |
| Assets per employee ($millions) | 6.2550% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 5,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 4,278 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.1772% | 2,583 |
| Net loans and leases to deposits | 79.9881% | 2,561 |
| Net loans and leases to core deposits | 85.0881% | 2,644 |
| Total domestic deposits to total assets | 83.9840% | 3,823 |
| Equity capital to assets | 14.9779% | 723 |
| Core capital (leverage) ratio | 14.6263% | 664 |
| Tier 1 risk-based capital ratio | 17.8074% | 2,197 |
| Total risk-based capital ratio | 18.5622% | 2,330 |
| Memoranda: | ||
| Average total assets | $94,435,000 | 4,707 |
| Average earning assets | $86,079,000 | 4,716 |
| Average equity | $13,864,000 | 4,090 |
| Average total loans | $60,950,000 | 4,465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 3,033 |
| Cost of funding earning assets | 0.4770% | 2,914 |
| Net interest margin | 3.6969% | 3,019 |
| Noninterest income to average assets | 0.1842% | 5,755 |
| Noninterest expense to average assets | 2.1627% | 5,426 |
| Loan and lease loss provision to assets | 0.0463% | 3,645 |
| Net operating income to assets | 0.8990% | 2,876 |
| Return on assets (ROA) | 0.9144% | 2,899 |
| Pretax return on assets | 1.4045% | 1,870 |
| Return on Equity (ROE) | 6.4396% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.0807% | 3,303 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2460% | 5,187 |
| Assets per employee ($millions) | 7.3112% | 716 |
| Cash dividends to net income (ytd only)* | 36.6313% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,278 |
| Loan loss allowance to noncurrent loans | 3,270.5882% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 4,308 |
| Noncurrent loans to loans | 0.0292% | 5,772 |
| Net loans and leases to total assets | 60.7481% | 3,684 |
| Net loans and leases to deposits | 72.2330% | 3,656 |
| Net loans and leases to core deposits | 76.7599% | 3,629 |
| Total domestic deposits to total assets | 84.1002% | 3,665 |
| Equity capital to assets | 14.3879% | 846 |
| Core capital (leverage) ratio | 14.1106% | 786 |
| Tier 1 risk-based capital ratio | 18.6099% | 1,956 |
| Total risk-based capital ratio | 19.3853% | 2,057 |
| Memoranda: | ||
| Average total assets | $92,847,000 | 4,775 |
| Average earning assets | $85,531,600 | 4,747 |
| Average equity | $13,184,000 | 4,158 |
| Average total loans | $53,043,200 | 4,724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,332 |
| Cost of funding earning assets | 0.4793% | 2,963 |
| Net interest margin | 3.6316% | 3,303 |
| Noninterest income to average assets | 0.1719% | 5,895 |
| Noninterest expense to average assets | 2.1726% | 5,403 |
| Loan and lease loss provision to assets | 0.0173% | 4,069 |
| Net operating income to assets | 0.8306% | 3,287 |
| Return on assets (ROA) | 0.8306% | 3,372 |
| Pretax return on assets | 1.3203% | 2,306 |
| Return on Equity (ROE) | 5.8697% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.8697% | 2,487 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8930% | 4,901 |
| Assets per employee ($millions) | 6.8929% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 5,337 |
| Loan loss allowance to noncurrent loans | 2,763.1579% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 4,566 |
| Noncurrent loans to loans | 0.0352% | 5,884 |
| Net loans and leases to total assets | 55.4315% | 4,407 |
| Net loans and leases to deposits | 65.3321% | 4,400 |
| Net loans and leases to core deposits | 69.4232% | 4,378 |
| Total domestic deposits to total assets | 84.8458% | 3,402 |
| Equity capital to assets | 14.0361% | 992 |
| Core capital (leverage) ratio | 14.2889% | 775 |
| Tier 1 risk-based capital ratio | 19.4053% | 1,798 |
| Total risk-based capital ratio | 20.1736% | 1,892 |
| Memoranda: | ||
| Average total assets | $92,297,500 | 4,833 |
| Average earning assets | $84,846,750 | 4,813 |
| Average equity | $13,061,250 | 4,206 |
| Average total loans | $51,730,500 | 4,808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,287 |
| Cost of funding earning assets | 0.4882% | 2,945 |
| Net interest margin | 3.6257% | 3,258 |
| Noninterest income to average assets | 0.1540% | 6,023 |
| Noninterest expense to average assets | 2.1761% | 5,469 |
| Loan and lease loss provision to assets | -0.0088% | 6,227 |
| Net operating income to assets | 0.8273% | 3,191 |
| Return on assets (ROA) | 0.8273% | 3,288 |
| Pretax return on assets | 1.3202% | 2,189 |
| Return on Equity (ROE) | 5.8295% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.8295% | 2,430 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3975% | 4,956 |
| Assets per employee ($millions) | 6.7513% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 5,513 |
| Loan loss allowance to noncurrent loans | 2,120.8333% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 4,686 |
| Noncurrent loans to loans | 0.0454% | 5,915 |
| Net loans and leases to total assets | 55.4254% | 4,355 |
| Net loans and leases to deposits | 65.2562% | 4,356 |
| Net loans and leases to core deposits | 69.4189% | 4,325 |
| Total domestic deposits to total assets | 84.9351% | 3,541 |
| Equity capital to assets | 14.1021% | 931 |
| Core capital (leverage) ratio | 14.6202% | 674 |
| Tier 1 risk-based capital ratio | 19.4839% | 1,802 |
| Total risk-based capital ratio | 20.2429% | 1,887 |
| Memoranda: | ||
| Average total assets | $90,896,330 | 4,909 |
| Average earning assets | $83,570,000 | 4,884 |
| Average equity | $12,900,000 | 4,241 |
| Average total loans | $50,968,330 | 4,859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,144 |
| Cost of funding earning assets | 0.5019% | 2,888 |
| Net interest margin | 3.6353% | 3,118 |
| Noninterest income to average assets | 0.1392% | 6,144 |
| Noninterest expense to average assets | 2.2765% | 5,257 |
| Loan and lease loss provision to assets | -0.0629% | 6,461 |
| Net operating income to assets | 0.7947% | 3,181 |
| Return on assets (ROA) | 0.7947% | 3,256 |
| Pretax return on assets | 1.2752% | 2,198 |
| Return on Equity (ROE) | 5.5812% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.5812% | 2,749 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2510% | 4,650 |
| Assets per employee ($millions) | 7.0345% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,477 |
| Loan loss allowance to noncurrent loans | 1,996.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 4,766 |
| Noncurrent loans to loans | 0.0506% | 5,996 |
| Net loans and leases to total assets | 53.4774% | 4,494 |
| Net loans and leases to deposits | 62.8190% | 4,458 |
| Net loans and leases to core deposits | 66.6767% | 4,426 |
| Total domestic deposits to total assets | 85.1293% | 3,810 |
| Equity capital to assets | 14.1250% | 881 |
| Core capital (leverage) ratio | 14.7270% | 643 |
| Tier 1 risk-based capital ratio | 20.1171% | 1,692 |
| Total risk-based capital ratio | 20.9051% | 1,773 |
| Memoranda: | ||
| Average total assets | $89,085,500 | 4,994 |
| Average earning assets | $82,083,000 | 4,973 |
| Average equity | $12,685,500 | 4,302 |
| Average total loans | $50,004,500 | 4,933 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,258 |
| Cost of funding earning assets | 0.5196% | 3,403 |
| Net interest margin | 3.7033% | 3,039 |
| Noninterest income to average assets | 0.1530% | 6,176 |
| Noninterest expense to average assets | 2.2863% | 5,417 |
| Loan and lease loss provision to assets | 0.0747% | 3,620 |
| Net operating income to assets | 0.7724% | 3,435 |
| Return on assets (ROA) | 0.8028% | 3,377 |
| Pretax return on assets | 1.2451% | 2,390 |
| Return on Equity (ROE) | 5.3887% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,354 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2453% | 4,854 |
| Assets per employee ($millions) | 6.6710% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 5,495 |
| Loan loss allowance to noncurrent loans | 236.4055% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 4,146 |
| Noncurrent loans to loans | 0.4288% | 4,923 |
| Net loans and leases to total assets | 57.7621% | 4,075 |
| Net loans and leases to deposits | 68.2736% | 4,012 |
| Net loans and leases to core deposits | 72.7388% | 3,984 |
| Total domestic deposits to total assets | 84.6039% | 3,923 |
| Equity capital to assets | 14.3607% | 811 |
| Core capital (leverage) ratio | 14.6310% | 660 |
| Tier 1 risk-based capital ratio | 19.4912% | 1,791 |
| Total risk-based capital ratio | 20.2769% | 1,872 |
| Memoranda: | ||
| Average total assets | $84,329,400 | 5,132 |
| Average earning assets | $77,552,600 | 5,101 |
| Average equity | $12,563,400 | 4,340 |
| Average total loans | $47,623,600 | 5,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,521 |
| Cost of funding earning assets | 0.5194% | 3,571 |
| Net interest margin | 3.6426% | 3,268 |
| Noninterest income to average assets | 0.1560% | 6,254 |
| Noninterest expense to average assets | 2.3042% | 5,328 |
| Loan and lease loss provision to assets | 0.0685% | 3,687 |
| Net operating income to assets | 0.7038% | 3,840 |
| Return on assets (ROA) | 0.7038% | 3,974 |
| Pretax return on assets | 1.1338% | 2,968 |
| Return on Equity (ROE) | 4.6806% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.6806% | 3,332 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7130% | 4,540 |
| Assets per employee ($millions) | 6.7342% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 5,898 |
| Loan loss allowance to noncurrent loans | 197.2000% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 4,276 |
| Noncurrent loans to loans | 0.4848% | 4,985 |
| Net loans and leases to total assets | 58.3364% | 3,955 |
| Net loans and leases to deposits | 70.4521% | 3,720 |
| Net loans and leases to core deposits | 75.1085% | 3,719 |
| Total domestic deposits to total assets | 82.8029% | 4,651 |
| Equity capital to assets | 14.0935% | 940 |
| Core capital (leverage) ratio | 14.8000% | 675 |
| Tier 1 risk-based capital ratio | 19.1105% | 1,954 |
| Total risk-based capital ratio | 19.8614% | 2,082 |
| Memoranda: | ||
| Average total assets | $83,731,000 | 5,198 |
| Average earning assets | $77,011,750 | 5,169 |
| Average equity | $12,590,750 | 4,382 |
| Average total loans | $46,878,000 | 5,121 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 3,594 |
| Cost of funding earning assets | 0.5294% | 3,613 |
| Net interest margin | 3.6081% | 3,326 |
| Noninterest income to average assets | 0.1577% | 6,265 |
| Noninterest expense to average assets | 2.2775% | 5,426 |
| Loan and lease loss provision to assets | 0.0243% | 4,432 |
| Net operating income to assets | 0.7325% | 3,660 |
| Return on assets (ROA) | 0.7325% | 3,819 |
| Pretax return on assets | 1.1788% | 2,767 |
| Return on Equity (ROE) | 4.7653% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.7653% | 3,211 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4355% | 4,643 |
| Assets per employee ($millions) | 6.4538% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,106 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 54.5626% | 4,510 |
| Net loans and leases to deposits | 64.8028% | 4,402 |
| Net loans and leases to core deposits | 67.6629% | 4,536 |
| Total domestic deposits to total assets | 84.1979% | 4,239 |
| Equity capital to assets | 14.8129% | 751 |
| Core capital (leverage) ratio | 14.9354% | 622 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,575 |
| Total risk-based capital ratio | 21.4369% | 1,657 |
| Memoranda: | ||
| Average total assets | $82,460,000 | 5,262 |
| Average earning assets | $75,940,330 | 5,227 |
| Average equity | $12,675,000 | 4,401 |
| Average total loans | $45,316,330 | 5,218 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,816 |
| Cost of funding earning assets | 0.5362% | 3,718 |
| Net interest margin | 3.5410% | 3,515 |
| Noninterest income to average assets | 0.1272% | 6,460 |
| Noninterest expense to average assets | 2.2266% | 5,620 |
| Loan and lease loss provision to assets | 0.0245% | 4,162 |
| Net operating income to assets | 0.7096% | 3,645 |
| Return on assets (ROA) | 0.7096% | 3,781 |
| Pretax return on assets | 1.1402% | 2,814 |
| Return on Equity (ROE) | 4.5318% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.5318% | 3,515 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6566% | 4,720 |
| Assets per employee ($millions) | 6.3927% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 6,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,201 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.1219% | 4,393 |
| Net loans and leases to deposits | 64.9708% | 4,190 |
| Net loans and leases to core deposits | 67.3838% | 4,369 |
| Total domestic deposits to total assets | 83.3018% | 4,762 |
| Equity capital to assets | 15.4323% | 653 |
| Core capital (leverage) ratio | 15.3698% | 531 |
| Tier 1 risk-based capital ratio | 21.7904% | 1,375 |
| Total risk-based capital ratio | 22.5784% | 1,439 |
| Memoranda: | ||
| Average total assets | $81,740,000 | 5,326 |
| Average earning assets | $75,346,000 | 5,286 |
| Average equity | $12,798,500 | 4,420 |
| Average total loans | $44,883,000 | 5,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 4,226 |
| Cost of funding earning assets | 0.6382% | 4,021 |
| Net interest margin | 3.6516% | 3,867 |
| Noninterest income to average assets | 0.1078% | 6,475 |
| Noninterest expense to average assets | 2.3700% | 5,497 |
| Loan and lease loss provision to assets | 0.1728% | 3,464 |
| Net operating income to assets | 0.7193% | 3,644 |
| Return on assets (ROA) | 0.7671% | 3,681 |
| Pretax return on assets | 0.9252% | 3,829 |
| Return on Equity (ROE) | 4.9587% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.9587% | 2,731 |
| Net charge-offs to loans | 0.2241% | 3,602 |
| Credit loss provision to net charge-offs | 145.3608% | 1,879 |
| Earnings coverage of net charge-offs (x) | 8.7526% | 2,361 |
| Efficiency ratio | 69.4934% | 3,898 |
| Assets per employee ($millions) | 6.6979% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 5,250 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.7048% | 4,508 |
| Net loans and leases to deposits | 65.1402% | 4,401 |
| Net loans and leases to core deposits | 66.8395% | 4,652 |
| Total domestic deposits to total assets | 83.9801% | 4,323 |
| Equity capital to assets | 15.8905% | 576 |
| Core capital (leverage) ratio | 14.8887% | 592 |
| Tier 1 risk-based capital ratio | 22.3194% | 1,209 |
| Total risk-based capital ratio | 23.1273% | 1,254 |
| Memoranda: | ||
| Average total assets | $81,602,400 | 5,312 |
| Average earning assets | $73,803,600 | 5,318 |
| Average equity | $12,624,400 | 4,438 |
| Average total loans | $43,293,600 | 5,361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 4,401 |
| Cost of funding earning assets | 0.6537% | 4,161 |
| Net interest margin | 3.6604% | 3,965 |
| Noninterest income to average assets | 0.0960% | 6,629 |
| Noninterest expense to average assets | 2.3586% | 5,520 |
| Loan and lease loss provision to assets | 0.2295% | 2,758 |
| Net operating income to assets | 0.8074% | 3,415 |
| Return on assets (ROA) | 0.8790% | 3,327 |
| Pretax return on assets | 0.8790% | 4,197 |
| Return on Equity (ROE) | 5.7198% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.7198% | 2,884 |
| Net charge-offs to loans | 0.3006% | 2,936 |
| Credit loss provision to net charge-offs | 145.3608% | 1,965 |
| Earnings coverage of net charge-offs (x) | 6.5670% | 2,763 |
| Efficiency ratio | 69.4631% | 3,793 |
| Assets per employee ($millions) | 6.3746% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 5,488 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.5259% | 4,370 |
| Net loans and leases to deposits | 67.1690% | 4,314 |
| Net loans and leases to core deposits | 68.6063% | 4,656 |
| Total domestic deposits to total assets | 84.1547% | 4,148 |
| Equity capital to assets | 15.6607% | 673 |
| Core capital (leverage) ratio | 14.5331% | 699 |
| Tier 1 risk-based capital ratio | 21.4494% | 1,432 |
| Total risk-based capital ratio | 22.2317% | 1,497 |
| Memoranda: | ||
| Average total assets | $81,909,250 | 5,354 |
| Average earning assets | $73,833,250 | 5,378 |
| Average equity | $12,587,500 | 4,482 |
| Average total loans | $43,021,000 | 5,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 4,484 |
| Cost of funding earning assets | 0.6882% | 4,111 |
| Net interest margin | 3.6330% | 4,118 |
| Noninterest income to average assets | 0.0760% | 6,765 |
| Noninterest expense to average assets | 2.3851% | 5,505 |
| Loan and lease loss provision to assets | 0.3064% | 2,155 |
| Net operating income to assets | 0.6324% | 4,211 |
| Return on assets (ROA) | 0.7403% | 3,923 |
| Pretax return on assets | 0.7403% | 4,704 |
| Return on Equity (ROE) | 4.8486% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.8486% | 3,368 |
| Net charge-offs to loans | 0.4662% | 2,202 |
| Credit loss provision to net charge-offs | 128.8660% | 2,133 |
| Earnings coverage of net charge-offs (x) | 3.9485% | 3,225 |
| Efficiency ratio | 71.7552% | 3,472 |
| Assets per employee ($millions) | 6.4313% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,253 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 51.5639% | 5,147 |
| Net loans and leases to deposits | 60.8706% | 5,156 |
| Net loans and leases to core deposits | 62.1312% | 5,375 |
| Total domestic deposits to total assets | 84.7106% | 3,997 |
| Equity capital to assets | 15.1471% | 749 |
| Core capital (leverage) ratio | 14.6434% | 664 |
| Tier 1 risk-based capital ratio | 22.3324% | 1,226 |
| Total risk-based capital ratio | 23.1337% | 1,296 |
| Memoranda: | ||
| Average total assets | $81,589,000 | 5,392 |
| Average earning assets | $72,942,000 | 5,432 |
| Average equity | $12,457,330 | 4,513 |
| Average total loans | $41,609,000 | 5,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 4,054 |
| Cost of funding earning assets | 0.7262% | 4,063 |
| Net interest margin | 3.7381% | 3,648 |
| Noninterest income to average assets | 0.1042% | 6,719 |
| Noninterest expense to average assets | 2.3629% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0375% | 2,336 |
| Return on assets (ROA) | 1.0375% | 2,526 |
| Pretax return on assets | 1.0375% | 3,544 |
| Return on Equity (ROE) | 6.7670% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.7670% | 2,541 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4891% | 3,902 |
| Assets per employee ($millions) | 5.8754% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 6,591 |
| Loan loss allowance to noncurrent loans | 353.8462% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.9038% | 3,038 |
| Noncurrent loans to loans | 0.2483% | 6,188 |
| Net loans and leases to total assets | 50.4766% | 5,238 |
| Net loans and leases to deposits | 59.5730% | 5,203 |
| Net loans and leases to core deposits | 61.0822% | 5,426 |
| Total domestic deposits to total assets | 84.7306% | 4,153 |
| Equity capital to assets | 15.1150% | 729 |
| Core capital (leverage) ratio | 14.7096% | 650 |
| Tier 1 risk-based capital ratio | 21.9446% | 1,297 |
| Total risk-based capital ratio | 22.6854% | 1,366 |
| Memoranda: | ||
| Average total assets | $80,580,000 | 5,455 |
| Average earning assets | $71,052,000 | 5,528 |
| Average equity | $12,354,000 | 4,541 |
| Average total loans | $40,658,000 | 5,613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 4,810 |
| Cost of funding earning assets | 0.9042% | 4,086 |
| Net interest margin | 3.6602% | 4,471 |
| Noninterest income to average assets | 0.0640% | 6,774 |
| Noninterest expense to average assets | 2.3372% | 5,954 |
| Loan and lease loss provision to assets | 0.1373% | 4,901 |
| Net operating income to assets | 0.7519% | 3,252 |
| Return on assets (ROA) | 0.8319% | 3,065 |
| Pretax return on assets | 0.8319% | 3,862 |
| Return on Equity (ROE) | 5.4000% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.4000% | 2,372 |
| Net charge-offs to loans | 0.0975% | 5,370 |
| Credit loss provision to net charge-offs | 286.1111% | 829 |
| Earnings coverage of net charge-offs (x) | 18.5278% | 1,216 |
| Efficiency ratio | 72.4380% | 3,495 |
| Assets per employee ($millions) | 6.5753% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,448 |
| Loan loss allowance to noncurrent loans | 353.8462% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.9847% | 2,990 |
| Noncurrent loans to loans | 0.2638% | 6,197 |
| Net loans and leases to total assets | 49.5032% | 5,658 |
| Net loans and leases to deposits | 58.7307% | 5,629 |
| Net loans and leases to core deposits | 60.6814% | 5,786 |
| Total domestic deposits to total assets | 84.2885% | 4,195 |
| Equity capital to assets | 15.5569% | 661 |
| Core capital (leverage) ratio | 15.2497% | 570 |
| Tier 1 risk-based capital ratio | 23.3611% | 1,056 |
| Total risk-based capital ratio | 24.1662% | 1,090 |
| Memoranda: | ||
| Average total assets | $75,005,000 | 5,609 |
| Average earning assets | $64,806,000 | 5,711 |
| Average equity | $11,555,600 | 4,645 |
| Average total loans | $36,905,200 | 5,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 5,076 |
| Cost of funding earning assets | 0.9402% | 4,110 |
| Net interest margin | 3.6133% | 4,715 |
| Noninterest income to average assets | 0.0558% | 6,935 |
| Noninterest expense to average assets | 2.2585% | 6,153 |
| Loan and lease loss provision to assets | 0.1045% | 5,140 |
| Net operating income to assets | 0.8285% | 3,032 |
| Return on assets (ROA) | 0.9365% | 2,750 |
| Pretax return on assets | 0.9365% | 3,634 |
| Return on Equity (ROE) | 6.0947% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.0947% | 2,503 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7675% | 3,796 |
| Assets per employee ($millions) | 6.8517% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,528 |
| Loan loss allowance to noncurrent loans | 32.7602% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0340% | 3,103 |
| Noncurrent loans to loans | 2.8147% | 2,473 |
| Net loans and leases to total assets | 51.6074% | 5,496 |
| Net loans and leases to deposits | 61.7338% | 5,439 |
| Net loans and leases to core deposits | 63.4809% | 5,674 |
| Total domestic deposits to total assets | 83.5967% | 4,433 |
| Equity capital to assets | 16.2613% | 590 |
| Core capital (leverage) ratio | 15.2694% | 611 |
| Tier 1 risk-based capital ratio | 23.2068% | 1,121 |
| Total risk-based capital ratio | 24.0139% | 1,156 |
| Memoranda: | ||
| Average total assets | $74,030,250 | 5,681 |
| Average earning assets | $64,242,500 | 5,764 |
| Average equity | $11,375,750 | 4,718 |
| Average total loans | $36,274,500 | 5,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 5,457 |
| Cost of funding earning assets | 0.9975% | 3,966 |
| Net interest margin | 3.4711% | 5,286 |
| Noninterest income to average assets | 0.0489% | 7,052 |
| Noninterest expense to average assets | 2.3103% | 6,094 |
| Loan and lease loss provision to assets | 0.0625% | 5,521 |
| Net operating income to assets | 0.6931% | 3,575 |
| Return on assets (ROA) | 0.6931% | 3,694 |
| Pretax return on assets | 0.6931% | 4,408 |
| Return on Equity (ROE) | 4.6019% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.6019% | 3,257 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3546% | 3,127 |
| Assets per employee ($millions) | 6.9592% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 6,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 5,808 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 47.8165% | 6,072 |
| Net loans and leases to deposits | 56.4163% | 6,099 |
| Net loans and leases to core deposits | 59.1341% | 6,180 |
| Total domestic deposits to total assets | 84.7566% | 3,989 |
| Equity capital to assets | 15.0775% | 805 |
| Core capital (leverage) ratio | 14.5954% | 747 |
| Tier 1 risk-based capital ratio | 23.6823% | 1,039 |
| Total risk-based capital ratio | 24.4627% | 1,073 |
| Memoranda: | ||
| Average total assets | $73,584,000 | 5,732 |
| Average earning assets | $63,957,000 | 5,827 |
| Average equity | $11,082,330 | 4,786 |
| Average total loans | $35,280,000 | 6,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 5,910 |
| Cost of funding earning assets | 1.0279% | 4,001 |
| Net interest margin | 3.3043% | 5,760 |
| Noninterest income to average assets | 0.0388% | 7,191 |
| Noninterest expense to average assets | 2.4466% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4993% | 4,494 |
| Return on assets (ROA) | 0.4993% | 4,577 |
| Pretax return on assets | 0.4993% | 5,029 |
| Return on Equity (ROE) | 3.3172% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.3172% | 4,192 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 2,071 |
| Assets per employee ($millions) | 6.6326% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 6,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,798 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.5684% | 6,010 |
| Net loans and leases to deposits | 57.2160% | 6,002 |
| Net loans and leases to core deposits | 60.4136% | 6,065 |
| Total domestic deposits to total assets | 84.8860% | 4,089 |
| Equity capital to assets | 14.9495% | 779 |
| Core capital (leverage) ratio | 15.0496% | 658 |
| Tier 1 risk-based capital ratio | 23.9913% | 973 |
| Total risk-based capital ratio | 24.7435% | 1,009 |
| Memoranda: | ||
| Average total assets | $72,100,500 | 5,814 |
| Average earning assets | $63,432,000 | 5,882 |
| Average equity | $10,852,500 | 4,831 |
| Average total loans | $34,452,000 | 6,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 5,273 |
| Cost of funding earning assets | 1.4653% | 2,853 |
| Net interest margin | 3.3745% | 5,721 |
| Noninterest income to average assets | 0.0648% | 7,045 |
| Noninterest expense to average assets | 2.5778% | 5,511 |
| Loan and lease loss provision to assets | 0.2407% | 4,878 |
| Net operating income to assets | 0.1311% | 5,497 |
| Return on assets (ROA) | 0.1574% | 5,574 |
| Pretax return on assets | 0.1574% | 5,579 |
| Return on Equity (ROE) | 0.9372% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.9372% | 5,087 |
| Net charge-offs to loans | 0.5042% | 3,602 |
| Credit loss provision to net charge-offs | 93.9759% | 4,945 |
| Earnings coverage of net charge-offs (x) | 1.4518% | 4,664 |
| Efficiency ratio | 87.3954% | 1,531 |
| Assets per employee ($millions) | 6.4765% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 6,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,822 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.1245% | 6,548 |
| Net loans and leases to deposits | 54.4725% | 6,572 |
| Net loans and leases to core deposits | 58.6032% | 6,509 |
| Total domestic deposits to total assets | 84.6748% | 4,011 |
| Equity capital to assets | 15.1568% | 751 |
| Core capital (leverage) ratio | 14.9494% | 675 |
| Tier 1 risk-based capital ratio | 24.9386% | 854 |
| Total risk-based capital ratio | 25.7291% | 874 |
| Memoranda: | ||
| Average total assets | $64,823,600 | 6,040 |
| Average earning assets | $55,415,600 | 6,157 |
| Average equity | $10,884,000 | 4,893 |
| Average total loans | $32,920,800 | 6,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 5,024 |
| Cost of funding earning assets | 1.5684% | 2,553 |
| Net interest margin | 3.3845% | 5,732 |
| Noninterest income to average assets | 0.0696% | 7,184 |
| Noninterest expense to average assets | 2.6616% | 5,051 |
| Loan and lease loss provision to assets | 0.1582% | 5,463 |
| Net operating income to assets | 0.1308% | 5,687 |
| Return on assets (ROA) | 0.1666% | 5,756 |
| Pretax return on assets | 0.1666% | 5,802 |
| Return on Equity (ROE) | 0.9658% | 5,900 |
| Retained earnings to average equity (ytd only) | 0.9658% | 5,419 |
| Net charge-offs to loans | 0.2921% | 4,199 |
| Credit loss provision to net charge-offs | 104.1667% | 4,116 |
| Earnings coverage of net charge-offs (x) | 1.9027% | 4,282 |
| Efficiency ratio | 90.2073% | 1,271 |
| Assets per employee ($millions) | 6.3168% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 6,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 5,871 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.2207% | 6,404 |
| Net loans and leases to deposits | 58.7303% | 6,407 |
| Net loans and leases to core deposits | 63.3364% | 6,348 |
| Total domestic deposits to total assets | 83.8080% | 4,228 |
| Equity capital to assets | 16.0394% | 666 |
| Core capital (leverage) ratio | 15.8031% | 590 |
| Tier 1 risk-based capital ratio | 24.5213% | 890 |
| Total risk-based capital ratio | 25.3320% | 910 |
| Memoranda: | ||
| Average total assets | $63,219,000 | 6,155 |
| Average earning assets | $53,812,500 | 6,284 |
| Average equity | $10,905,500 | 4,951 |
| Average total loans | $32,860,250 | 6,346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 5,237 |
| Cost of funding earning assets | 1.6446% | 2,415 |
| Net interest margin | 3.2930% | 6,036 |
| Noninterest income to average assets | 0.0752% | 7,213 |
| Noninterest expense to average assets | 2.6893% | 4,953 |
| Loan and lease loss provision to assets | 0.0425% | 6,550 |
| Net operating income to assets | 0.1865% | 5,611 |
| Return on assets (ROA) | 0.2421% | 5,548 |
| Pretax return on assets | 0.2421% | 5,677 |
| Return on Equity (ROE) | 1.3671% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.3671% | 5,196 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1525% | 1,179 |
| Assets per employee ($millions) | 5.6572% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 6,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 48.9144% | 6,554 |
| Net loans and leases to deposits | 58.5520% | 6,535 |
| Net loans and leases to core deposits | 64.4877% | 6,360 |
| Total domestic deposits to total assets | 83.5401% | 4,320 |
| Equity capital to assets | 16.2743% | 630 |
| Core capital (leverage) ratio | 16.5316% | 490 |
| Tier 1 risk-based capital ratio | 25.4044% | 816 |
| Total risk-based capital ratio | 26.2683% | 825 |
| Memoranda: | ||
| Average total assets | $61,130,330 | 6,261 |
| Average earning assets | $52,778,000 | 6,376 |
| Average equity | $10,825,670 | 4,963 |
| Average total loans | $32,305,330 | 6,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 4,833 |
| Cost of funding earning assets | 1.7092% | 2,343 |
| Net interest margin | 3.3309% | 5,855 |
| Noninterest income to average assets | 0.0693% | 7,367 |
| Noninterest expense to average assets | 2.8189% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1524% | 5,849 |
| Return on assets (ROA) | 0.1524% | 5,976 |
| Pretax return on assets | 0.1524% | 6,014 |
| Return on Equity (ROE) | 0.8213% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.8213% | 5,488 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8718% | 1,086 |
| Assets per employee ($millions) | 5.0827% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 51.9216% | 6,280 |
| Net loans and leases to deposits | 63.2437% | 6,143 |
| Net loans and leases to core deposits | 70.1768% | 5,901 |
| Total domestic deposits to total assets | 82.0977% | 5,035 |
| Equity capital to assets | 17.7351% | 445 |
| Core capital (leverage) ratio | 18.0152% | 374 |
| Tier 1 risk-based capital ratio | 26.7061% | 727 |
| Total risk-based capital ratio | 27.5907% | 739 |
| Memoranda: | ||
| Average total assets | $57,752,500 | 6,477 |
| Average earning assets | $50,317,000 | 6,536 |
| Average equity | $10,714,500 | 5,043 |
| Average total loans | $31,690,000 | 6,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 3,314 |
| Cost of funding earning assets | 1.7421% | 4,292 |
| Net interest margin | 3.9153% | 3,207 |
| Noninterest income to average assets | 0.0562% | 7,476 |
| Noninterest expense to average assets | 4.0813% | 1,256 |
| Loan and lease loss provision to assets | 0.4750% | 3,982 |
| Net operating income to assets | -1.1365% | 6,672 |
| Return on assets (ROA) | -1.1365% | 6,676 |
| Pretax return on assets | -1.1365% | 6,497 |
| Return on Equity (ROE) | -4.1065% | 6,121 |
| Retained earnings to average equity (ytd only) | -4.1065% | 5,884 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3428% | 618 |
| Assets per employee ($millions) | 4.5428% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 6,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.0249% | 5,814 |
| Net loans and leases to deposits | 71.0066% | 5,467 |
| Net loans and leases to core deposits | 104.6949% | 3,491 |
| Total domestic deposits to total assets | 80.3093% | 5,584 |
| Equity capital to assets | 19.4669% | 334 |
| Core capital (leverage) ratio | 19.3643% | 316 |
| Tier 1 risk-based capital ratio | 28.0651% | 638 |
| Total risk-based capital ratio | 28.9988% | 642 |
| Memoranda: | ||
| Average total assets | $39,153,800 | 7,130 |
| Average earning assets | $33,637,600 | 7,203 |
| Average equity | $10,836,400 | 5,065 |
| Average total loans | $26,278,000 | 6,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 2,549 |
| Cost of funding earning assets | 1.6748% | 5,036 |
| Net interest margin | 4.2026% | 2,055 |
| Noninterest income to average assets | 0.0491% | 7,654 |
| Noninterest expense to average assets | 4.4325% | 803 |
| Loan and lease loss provision to assets | 0.5135% | 3,333 |
| Net operating income to assets | -1.3630% | 7,041 |
| Return on assets (ROA) | -1.3630% | 7,041 |
| Pretax return on assets | -1.3630% | 6,891 |
| Return on Equity (ROE) | -4.4188% | 6,390 |
| Retained earnings to average equity (ytd only) | -4.4188% | 6,177 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.7092% | 545 |
| Assets per employee ($millions) | 4.3474% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.5623% | 6,085 |
| Net loans and leases to deposits | 74.3481% | 5,320 |
| Net loans and leases to core deposits | 122.5772% | 2,025 |
| Total domestic deposits to total assets | 76.0777% | 6,568 |
| Equity capital to assets | 20.7365% | 291 |
| Core capital (leverage) ratio | 22.1884% | 232 |
| Tier 1 risk-based capital ratio | 27.9615% | 688 |
| Total risk-based capital ratio | 28.7547% | 693 |
| Memoranda: | ||
| Average total assets | $35,314,000 | 7,324 |
| Average earning assets | $29,695,000 | 7,431 |
| Average equity | $10,892,500 | 5,094 |
| Average total loans | $24,998,000 | 6,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8356% | 2,877 |
| Cost of funding earning assets | 1.3392% | 6,675 |
| Net interest margin | 4.4964% | 1,175 |
| Noninterest income to average assets | 0.0606% | 7,685 |
| Noninterest expense to average assets | 5.0445% | 497 |
| Loan and lease loss provision to assets | 0.8419% | 1,991 |
| Net operating income to assets | -1.7780% | 7,355 |
| Return on assets (ROA) | -1.7780% | 7,350 |
| Pretax return on assets | -1.7780% | 7,209 |
| Return on Equity (ROE) | -4.8363% | 6,586 |
| Retained earnings to average equity (ytd only) | -4.8363% | 6,275 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7869% | 619 |
| Assets per employee ($millions) | 3.4508% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.9109% | 2,204 |
| Net loans and leases to deposits | 113.0266% | 446 |
| Net loans and leases to core deposits | 195.9671% | 137 |
| Total domestic deposits to total assets | 67.1619% | 7,670 |
| Equity capital to assets | 28.5334% | 154 |
| Core capital (leverage) ratio | 33.5611% | 117 |
| Tier 1 risk-based capital ratio | 31.5269% | 520 |
| Total risk-based capital ratio | 32.3839% | 523 |
| Memoranda: | ||
| Average total assets | $29,695,670 | 7,615 |
| Average earning assets | $26,732,670 | 7,609 |
| Average equity | $10,917,330 | 5,110 |
| Average total loans | $23,404,000 | 7,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9733% | 2,468 |
| Cost of funding earning assets | 1.3352% | 6,916 |
| Net interest margin | 4.6381% | 881 |
| Noninterest income to average assets | 0.0939% | 7,580 |
| Noninterest expense to average assets | 5.6173% | 343 |
| Loan and lease loss provision to assets | 0.9232% | 1,404 |
| Net operating income to assets | -2.3158% | 7,727 |
| Return on assets (ROA) | -2.3158% | 7,728 |
| Pretax return on assets | -2.3158% | 7,619 |
| Return on Equity (ROE) | -5.4012% | 7,011 |
| Retained earnings to average equity (ytd only) | -5.4012% | 6,611 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.9630% | 477 |
| Assets per employee ($millions) | 2.7937% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.8149% | 883 |
| Net loans and leases to deposits | 150.1071% | 63 |
| Net loans and leases to core deposits | 255.7877% | 57 |
| Total domestic deposits to total assets | 55.1706% | 8,054 |
| Equity capital to assets | 39.0629% | 94 |
| Core capital (leverage) ratio | 42.1777% | 91 |
| Tier 1 risk-based capital ratio | 40.4312% | 320 |
| Total risk-based capital ratio | 41.2677% | 319 |
| Memoranda: | ||
| Average total assets | $25,564,000 | 7,816 |
| Average earning assets | $22,768,000 | 7,813 |
| Average equity | $10,960,500 | 5,120 |
| Average total loans | $20,566,500 | 7,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 7,273 |
| Cost of funding earning assets | 0.9302% | 8,082 |
| Net interest margin | 4.5811% | 1,229 |
| Noninterest income to average assets | 0.0582% | 7,852 |
| Noninterest expense to average assets | 7.5687% | 248 |
| Loan and lease loss provision to assets | 0.8610% | 1,736 |
| Net operating income to assets | -2.7372% | 7,766 |
| Return on assets (ROA) | -2.6994% | 7,734 |
| Pretax return on assets | -4.1305% | 7,916 |
| Return on Equity (ROE) | -4.2011% | 6,774 |
| Retained earnings to average equity (ytd only) | -4.2011% | 6,363 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.4636% | 252 |
| Assets per employee ($millions) | 2.3191% | 7,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 7,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.1287% | 2,587 |
| Net loans and leases to deposits | 194.0750% | 45 |
| Net loans and leases to core deposits | 249.2236% | 71 |
| Total domestic deposits to total assets | 39.2264% | 8,194 |
| Equity capital to assets | 47.4667% | 82 |
| Core capital (leverage) ratio | 48.7737% | 79 |
| Tier 1 risk-based capital ratio | 52.3726% | 196 |
| Total risk-based capital ratio | 53.1626% | 197 |
| Memoranda: | ||
| Average total assets | $17,189,200 | 8,097 |
| Average earning assets | $15,695,000 | 8,088 |
| Average equity | $11,044,600 | 5,106 |
| Average total loans | $8,121,400 | 8,030 |