Home > Grand Savings Bank > Performance and Condition Ratios
Grand Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8353% | 407 |
| Cost of funding earning assets | 1.9456% | 2,078 |
| Net interest margin | 4.8898% | 358 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.4167% | 2,536 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 2.0690% | 413 |
| Return on assets (ROA) | 2.0690% | 418 |
| Pretax return on assets | 2.6978% | 252 |
| Return on Equity (ROE) | 18.9700% | 539 |
| Retained earnings to average equity (ytd only) | 3.8992% | 2,876 |
| Net charge-offs to loans | -0.0016% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.4104% | 4,083 |
| Assets per employee ($millions) | 5.2725% | 3,486 |
| Cash dividends to net income (ytd only)* | 79.4459% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,024 |
| Loan loss allowance to noncurrent loans | 88.7526% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 730 |
| Noncurrent loans to loans | 1.1724% | 907 |
| Net loans and leases to total assets | 78.4400% | 777 |
| Net loans and leases to deposits | 88.8654% | 1,217 |
| Net loans and leases to core deposits | 97.7786% | 1,514 |
| Total domestic deposits to total assets | 88.2700% | 1,461 |
| Equity capital to assets | 11.1159% | 1,603 |
| Core capital (leverage) ratio | 11.2161% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $949,066,000 | 1,089 |
| Average earning assets | $904,420,500 | 1,051 |
| Average equity | $103,509,500 | 1,015 |
| Average total loans | $738,748,500 | 981 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9802% | 406 |
| Cost of funding earning assets | 2.2710% | 1,584 |
| Net interest margin | 4.7093% | 489 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.4075% | 2,555 |
| Loan and lease loss provision to assets | 0.1800% | 759 |
| Net operating income to assets | 1.9502% | 430 |
| Return on assets (ROA) | 1.9502% | 434 |
| Pretax return on assets | 2.5514% | 282 |
| Return on Equity (ROE) | 18.9100% | 487 |
| Retained earnings to average equity (ytd only) | 12.0600% | 288 |
| Net charge-offs to loans | 0.0129% | 2,431 |
| Credit loss provision to net charge-offs | 1,192.4731% | 353 |
| Earnings coverage of net charge-offs (x) | 273.5161% | 406 |
| Efficiency ratio | 46.8201% | 4,145 |
| Assets per employee ($millions) | 5.2154% | 3,496 |
| Cash dividends to net income (ytd only)* | 36.2163% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,087 |
| Loan loss allowance to noncurrent loans | 89.1088% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 751 |
| Noncurrent loans to loans | 1.1503% | 876 |
| Net loans and leases to total assets | 75.6600% | 1,191 |
| Net loans and leases to deposits | 85.3606% | 1,654 |
| Net loans and leases to core deposits | 93.7146% | 1,862 |
| Total domestic deposits to total assets | 88.6400% | 1,285 |
| Equity capital to assets | 10.7016% | 1,722 |
| Core capital (leverage) ratio | 11.1633% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $930,200,600 | 1,077 |
| Average earning assets | $883,364,400 | 1,043 |
| Average equity | $95,945,600 | 1,055 |
| Average total loans | $719,186,000 | 988 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 409 |
| Cost of funding earning assets | 2.2977% | 1,540 |
| Net interest margin | 4.6649% | 510 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 2.4061% | 2,503 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 1.9278% | 480 |
| Return on assets (ROA) | 1.9278% | 486 |
| Pretax return on assets | 2.5301% | 314 |
| Return on Equity (ROE) | 18.8700% | 503 |
| Retained earnings to average equity (ytd only) | 9.5806% | 938 |
| Net charge-offs to loans | 0.0149% | 2,111 |
| Credit loss provision to net charge-offs | 1,172.5000% | 357 |
| Earnings coverage of net charge-offs (x) | 236.8125% | 463 |
| Efficiency ratio | 46.7822% | 4,134 |
| Assets per employee ($millions) | 4.9930% | 3,653 |
| Cash dividends to net income (ytd only)* | 49.2393% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,122 |
| Loan loss allowance to noncurrent loans | 71.7614% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 561 |
| Noncurrent loans to loans | 1.4262% | 685 |
| Net loans and leases to total assets | 75.4500% | 1,199 |
| Net loans and leases to deposits | 84.8324% | 1,745 |
| Net loans and leases to core deposits | 94.4927% | 1,843 |
| Total domestic deposits to total assets | 88.9400% | 933 |
| Equity capital to assets | 10.4820% | 1,985 |
| Core capital (leverage) ratio | 10.7437% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $922,843,750 | 1,076 |
| Average earning assets | $878,367,500 | 1,050 |
| Average equity | $94,258,000 | 1,059 |
| Average total loans | $715,590,000 | 988 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9611% | 383 |
| Cost of funding earning assets | 2.2935% | 1,454 |
| Net interest margin | 4.6676% | 513 |
| Noninterest income to average assets | 0.7600% | 952 |
| Noninterest expense to average assets | 2.3924% | 2,543 |
| Loan and lease loss provision to assets | 0.2500% | 416 |
| Net operating income to assets | 1.9410% | 475 |
| Return on assets (ROA) | 1.9410% | 477 |
| Pretax return on assets | 2.5442% | 315 |
| Return on Equity (ROE) | 19.1800% | 504 |
| Retained earnings to average equity (ytd only) | 11.4751% | 611 |
| Net charge-offs to loans | 0.0199% | 1,769 |
| Credit loss provision to net charge-offs | 1,005.6338% | 393 |
| Earnings coverage of net charge-offs (x) | 180.4225% | 532 |
| Efficiency ratio | 46.0995% | 4,180 |
| Assets per employee ($millions) | 5.0824% | 3,561 |
| Cash dividends to net income (ytd only)* | 40.1620% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,282 |
| Loan loss allowance to noncurrent loans | 90.3185% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 678 |
| Noncurrent loans to loans | 1.1077% | 823 |
| Net loans and leases to total assets | 76.8700% | 1,057 |
| Net loans and leases to deposits | 86.4432% | 1,608 |
| Net loans and leases to core deposits | 96.0578% | 1,731 |
| Total domestic deposits to total assets | 88.9200% | 1,033 |
| Equity capital to assets | 10.4584% | 1,828 |
| Core capital (leverage) ratio | 10.8408% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $915,898,000 | 1,087 |
| Average earning assets | $869,747,667 | 1,060 |
| Average equity | $92,705,000 | 1,067 |
| Average total loans | $714,340,000 | 988 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9313% | 363 |
| Cost of funding earning assets | 2.2933% | 1,351 |
| Net interest margin | 4.6380% | 507 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 2.6060% | 1,948 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.7013% | 664 |
| Return on assets (ROA) | 1.7013% | 670 |
| Pretax return on assets | 2.2489% | 456 |
| Return on Equity (ROE) | 17.0900% | 710 |
| Retained earnings to average equity (ytd only) | 1.3941% | 3,395 |
| Net charge-offs to loans | 0.0062% | 1,875 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 497.0909% | 199 |
| Efficiency ratio | 52.1275% | 3,895 |
| Assets per employee ($millions) | 4.9114% | 3,710 |
| Cash dividends to net income (ytd only)* | 91.8446% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,578 |
| Loan loss allowance to noncurrent loans | 357.1728% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,057 |
| Noncurrent loans to loans | 0.2620% | 2,380 |
| Net loans and leases to total assets | 79.0700% | 721 |
| Net loans and leases to deposits | 88.5764% | 1,315 |
| Net loans and leases to core deposits | 98.3764% | 1,497 |
| Total domestic deposits to total assets | 89.2700% | 1,028 |
| Equity capital to assets | 9.9718% | 2,034 |
| Core capital (leverage) ratio | 10.3047% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $913,888,500 | 1,094 |
| Average earning assets | $870,540,500 | 1,065 |
| Average equity | $90,953,000 | 1,075 |
| Average total loans | $714,377,500 | 987 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2568% | 457 |
| Cost of funding earning assets | 1.7424% | 1,371 |
| Net interest margin | 4.5144% | 603 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.3622% | 2,689 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9140% | 520 |
| Return on assets (ROA) | 1.9140% | 500 |
| Pretax return on assets | 2.5233% | 330 |
| Return on Equity (ROE) | 20.6000% | 564 |
| Retained earnings to average equity (ytd only) | 16.8335% | 228 |
| Net charge-offs to loans | 0.0106% | 2,250 |
| Credit loss provision to net charge-offs | 661.6438% | 550 |
| Earnings coverage of net charge-offs (x) | 314.1918% | 418 |
| Efficiency ratio | 47.8194% | 4,097 |
| Assets per employee ($millions) | 5.4420% | 3,299 |
| Cash dividends to net income (ytd only)* | 18.2902% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,610 |
| Loan loss allowance to noncurrent loans | 550.7197% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,318 |
| Noncurrent loans to loans | 0.1688% | 2,676 |
| Net loans and leases to total assets | 75.8100% | 1,143 |
| Net loans and leases to deposits | 84.6851% | 1,718 |
| Net loans and leases to core deposits | 93.9964% | 1,775 |
| Total domestic deposits to total assets | 89.5200% | 900 |
| Equity capital to assets | 9.9328% | 2,046 |
| Core capital (leverage) ratio | 10.4889% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $889,818,200 | 1,097 |
| Average earning assets | $839,939,800 | 1,072 |
| Average equity | $82,668,600 | 1,105 |
| Average total loans | $687,842,200 | 978 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 476 |
| Cost of funding earning assets | 1.6290% | 1,319 |
| Net interest margin | 4.4620% | 654 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.3517% | 2,649 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.8483% | 600 |
| Return on assets (ROA) | 1.8483% | 590 |
| Pretax return on assets | 2.4844% | 384 |
| Return on Equity (ROE) | 20.2800% | 700 |
| Retained earnings to average equity (ytd only) | 15.2049% | 531 |
| Net charge-offs to loans | 0.0202% | 1,713 |
| Credit loss provision to net charge-offs | 348.0769% | 801 |
| Earnings coverage of net charge-offs (x) | 161.6635% | 698 |
| Efficiency ratio | 48.0840% | 4,037 |
| Assets per employee ($millions) | 5.3555% | 3,295 |
| Cash dividends to net income (ytd only)* | 25.0429% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,121 |
| Loan loss allowance to noncurrent loans | 586.3747% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,646 |
| Noncurrent loans to loans | 0.1788% | 2,653 |
| Net loans and leases to total assets | 76.3100% | 1,083 |
| Net loans and leases to deposits | 84.8169% | 1,666 |
| Net loans and leases to core deposits | 94.4868% | 1,649 |
| Total domestic deposits to total assets | 89.9700% | 946 |
| Equity capital to assets | 9.4903% | 2,103 |
| Core capital (leverage) ratio | 9.7749% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $882,862,250 | 1,103 |
| Average earning assets | $832,169,000 | 1,081 |
| Average equity | $80,445,500 | 1,122 |
| Average total loans | $684,900,250 | 980 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7871% | 564 |
| Cost of funding earning assets | 1.4881% | 1,265 |
| Net interest margin | 4.2990% | 805 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.3219% | 2,736 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.7237% | 751 |
| Return on assets (ROA) | 1.7237% | 751 |
| Pretax return on assets | 2.3146% | 457 |
| Return on Equity (ROE) | 19.1900% | 807 |
| Retained earnings to average equity (ytd only) | 15.7051% | 502 |
| Net charge-offs to loans | 0.0231% | 1,419 |
| Credit loss provision to net charge-offs | 322.7848% | 825 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 800 |
| Efficiency ratio | 49.4596% | 3,972 |
| Assets per employee ($millions) | 5.4087% | 3,229 |
| Cash dividends to net income (ytd only)* | 18.1494% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,140 |
| Loan loss allowance to noncurrent loans | 568.2830% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 2,481 |
| Noncurrent loans to loans | 0.1865% | 2,535 |
| Net loans and leases to total assets | 73.8900% | 1,309 |
| Net loans and leases to deposits | 81.6844% | 1,854 |
| Net loans and leases to core deposits | 90.0861% | 1,791 |
| Total domestic deposits to total assets | 90.4500% | 798 |
| Equity capital to assets | 9.0843% | 2,452 |
| Core capital (leverage) ratio | 9.6250% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $879,027,000 | 1,098 |
| Average earning assets | $826,560,667 | 1,082 |
| Average equity | $78,968,000 | 1,133 |
| Average total loans | $683,291,333 | 971 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4631% | 654 |
| Cost of funding earning assets | 1.2493% | 1,343 |
| Net interest margin | 4.2138% | 929 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.3126% | 2,783 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6569% | 892 |
| Return on assets (ROA) | 1.6569% | 894 |
| Pretax return on assets | 2.2281% | 547 |
| Return on Equity (ROE) | 18.5500% | 957 |
| Retained earnings to average equity (ytd only) | 11.4485% | 1,369 |
| Net charge-offs to loans | -0.0012% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1802% | 3,918 |
| Assets per employee ($millions) | 5.4621% | 3,256 |
| Cash dividends to net income (ytd only)* | 38.2902% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,386 |
| Loan loss allowance to noncurrent loans | 724.4151% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 2,520 |
| Noncurrent loans to loans | 0.1422% | 2,786 |
| Net loans and leases to total assets | 77.3200% | 843 |
| Net loans and leases to deposits | 85.3617% | 1,401 |
| Net loans and leases to core deposits | 93.7547% | 1,404 |
| Total domestic deposits to total assets | 90.5800% | 951 |
| Equity capital to assets | 8.8631% | 2,621 |
| Core capital (leverage) ratio | 9.5292% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $866,913,000 | 1,122 |
| Average earning assets | $815,800,500 | 1,108 |
| Average equity | $77,425,000 | 1,158 |
| Average total loans | $687,674,000 | 968 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 644 |
| Cost of funding earning assets | 0.3912% | 2,166 |
| Net interest margin | 4.1716% | 574 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.4633% | 2,229 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.5002% | 877 |
| Return on assets (ROA) | 1.5002% | 846 |
| Pretax return on assets | 2.0165% | 465 |
| Return on Equity (ROE) | 16.6600% | 925 |
| Retained earnings to average equity (ytd only) | 12.3838% | 609 |
| Net charge-offs to loans | 0.1958% | 418 |
| Credit loss provision to net charge-offs | 156.3255% | 1,275 |
| Earnings coverage of net charge-offs (x) | 14.6567% | 2,021 |
| Efficiency ratio | 52.1820% | 3,965 |
| Assets per employee ($millions) | 5.1452% | 3,563 |
| Cash dividends to net income (ytd only)* | 25.6784% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 3,859 |
| Loan loss allowance to noncurrent loans | 787.9947% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,684 |
| Noncurrent loans to loans | 0.1108% | 2,977 |
| Net loans and leases to total assets | 79.8700% | 608 |
| Net loans and leases to deposits | 90.3945% | 1,028 |
| Net loans and leases to core deposits | 97.6561% | 1,117 |
| Total domestic deposits to total assets | 88.3500% | 1,950 |
| Equity capital to assets | 9.0020% | 2,357 |
| Core capital (leverage) ratio | 9.7027% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $805,786,000 | 1,178 |
| Average earning assets | $768,102,800 | 1,149 |
| Average equity | $72,546,600 | 1,219 |
| Average total loans | $633,742,200 | 995 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 622 |
| Cost of funding earning assets | 0.2693% | 2,496 |
| Net interest margin | 4.0994% | 522 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.4826% | 2,063 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.4908% | 870 |
| Return on assets (ROA) | 1.4908% | 854 |
| Pretax return on assets | 2.0043% | 464 |
| Return on Equity (ROE) | 16.5600% | 881 |
| Retained earnings to average equity (ytd only) | 10.7759% | 1,110 |
| Net charge-offs to loans | 0.1447% | 457 |
| Credit loss provision to net charge-offs | 185.3116% | 1,019 |
| Earnings coverage of net charge-offs (x) | 19.5846% | 1,722 |
| Efficiency ratio | 52.8622% | 3,929 |
| Assets per employee ($millions) | 4.7907% | 3,850 |
| Cash dividends to net income (ytd only)* | 34.9196% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 3,942 |
| Loan loss allowance to noncurrent loans | 148.6404% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 1,090 |
| Noncurrent loans to loans | 0.5859% | 1,371 |
| Net loans and leases to total assets | 79.8700% | 539 |
| Net loans and leases to deposits | 89.5734% | 918 |
| Net loans and leases to core deposits | 95.8224% | 1,009 |
| Total domestic deposits to total assets | 89.1600% | 2,026 |
| Equity capital to assets | 8.7506% | 2,374 |
| Core capital (leverage) ratio | 9.5881% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $794,992,500 | 1,196 |
| Average earning assets | $761,938,250 | 1,164 |
| Average equity | $71,577,500 | 1,243 |
| Average total loans | $621,175,000 | 1,005 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 575 |
| Cost of funding earning assets | 0.2173% | 2,672 |
| Net interest margin | 4.0246% | 470 |
| Noninterest income to average assets | 0.7802% | 1,098 |
| Noninterest expense to average assets | 2.4888% | 1,966 |
| Loan and lease loss provision to assets | 0.0982% | 1,019 |
| Net operating income to assets | 1.5228% | 668 |
| Return on assets (ROA) | 1.5228% | 648 |
| Pretax return on assets | 2.0477% | 341 |
| Return on Equity (ROE) | 16.7458% | 598 |
| Retained earnings to average equity (ytd only) | 12.4462% | 540 |
| Net charge-offs to loans | 0.0308% | 1,107 |
| Credit loss provision to net charge-offs | 412.9032% | 693 |
| Earnings coverage of net charge-offs (x) | 90.2366% | 866 |
| Efficiency ratio | 53.6993% | 3,992 |
| Assets per employee ($millions) | 4.2689% | 4,226 |
| Cash dividends to net income (ytd only)* | 25.6759% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,068 |
| Loan loss allowance to noncurrent loans | 372.9893% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,404 |
| Noncurrent loans to loans | 0.2302% | 2,569 |
| Net loans and leases to total assets | 81.3763% | 322 |
| Net loans and leases to deposits | 89.9337% | 725 |
| Net loans and leases to core deposits | 94.8102% | 878 |
| Total domestic deposits to total assets | 90.4848% | 1,475 |
| Equity capital to assets | 9.1770% | 2,253 |
| Core capital (leverage) ratio | 9.6420% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,130,333 | 1,209 |
| Average earning assets | $749,091,000 | 1,188 |
| Average equity | $71,122,333 | 1,277 |
| Average total loans | $604,364,333 | 1,017 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 695 |
| Cost of funding earning assets | 0.2197% | 2,533 |
| Net interest margin | 3.8325% | 598 |
| Noninterest income to average assets | 0.7365% | 1,202 |
| Noninterest expense to average assets | 2.4715% | 1,953 |
| Loan and lease loss provision to assets | 0.0971% | 852 |
| Net operating income to assets | 1.3742% | 845 |
| Return on assets (ROA) | 1.3742% | 839 |
| Pretax return on assets | 1.8435% | 500 |
| Return on Equity (ROE) | 15.1833% | 621 |
| Retained earnings to average equity (ytd only) | 6.5014% | 2,073 |
| Net charge-offs to loans | -0.0034% | 3,232 |
| Credit loss provision to net charge-offs | -3,780.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0163% | 3,876 |
| Assets per employee ($millions) | 4.3919% | 4,203 |
| Cash dividends to net income (ytd only)* | 57.1803% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,018 |
| Loan loss allowance to noncurrent loans | 319.0198% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,335 |
| Noncurrent loans to loans | 0.2853% | 2,450 |
| Net loans and leases to total assets | 75.7314% | 524 |
| Net loans and leases to deposits | 83.5610% | 913 |
| Net loans and leases to core deposits | 88.4147% | 998 |
| Total domestic deposits to total assets | 90.6301% | 1,228 |
| Equity capital to assets | 8.9449% | 2,760 |
| Core capital (leverage) ratio | 9.4390% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $778,321,500 | 1,219 |
| Average earning assets | $746,451,500 | 1,195 |
| Average equity | $70,446,000 | 1,326 |
| Average total loans | $582,430,000 | 1,041 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 587 |
| Cost of funding earning assets | 0.3730% | 1,734 |
| Net interest margin | 4.1476% | 540 |
| Noninterest income to average assets | 0.7651% | 1,549 |
| Noninterest expense to average assets | 2.5547% | 2,009 |
| Loan and lease loss provision to assets | 0.1263% | 974 |
| Net operating income to assets | 1.5267% | 967 |
| Return on assets (ROA) | 1.5365% | 982 |
| Pretax return on assets | 2.0645% | 539 |
| Return on Equity (ROE) | 17.8164% | 484 |
| Retained earnings to average equity (ytd only) | 15.8718% | 182 |
| Net charge-offs to loans | -0.0655% | 4,436 |
| Credit loss provision to net charge-offs | -265.3959% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9765% | 3,930 |
| Assets per employee ($millions) | 4.3044% | 4,271 |
| Cash dividends to net income (ytd only)* | 10.9144% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 3,979 |
| Loan loss allowance to noncurrent loans | 304.8555% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,433 |
| Noncurrent loans to loans | 0.3067% | 2,493 |
| Net loans and leases to total assets | 72.5192% | 802 |
| Net loans and leases to deposits | 80.2847% | 1,191 |
| Net loans and leases to core deposits | 85.4550% | 1,235 |
| Total domestic deposits to total assets | 90.3275% | 795 |
| Equity capital to assets | 9.1593% | 3,452 |
| Core capital (leverage) ratio | 9.5501% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $716,746,600 | 1,267 |
| Average earning assets | $685,699,800 | 1,239 |
| Average equity | $61,814,000 | 1,480 |
| Average total loans | $520,329,200 | 1,130 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 647 |
| Cost of funding earning assets | 0.4098% | 1,624 |
| Net interest margin | 4.1145% | 636 |
| Noninterest income to average assets | 0.7659% | 1,633 |
| Noninterest expense to average assets | 2.5534% | 1,971 |
| Loan and lease loss provision to assets | 0.1456% | 775 |
| Net operating income to assets | 1.4892% | 1,300 |
| Return on assets (ROA) | 1.5026% | 1,315 |
| Pretax return on assets | 2.0163% | 775 |
| Return on Equity (ROE) | 17.7237% | 660 |
| Retained earnings to average equity (ytd only) | 15.1007% | 384 |
| Net charge-offs to loans | -0.0586% | 4,419 |
| Credit loss provision to net charge-offs | -342.8571% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3455% | 3,760 |
| Assets per employee ($millions) | 4.2151% | 4,323 |
| Cash dividends to net income (ytd only)* | 14.7994% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,064 |
| Loan loss allowance to noncurrent loans | 499.8008% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 3,202 |
| Noncurrent loans to loans | 0.1864% | 3,201 |
| Net loans and leases to total assets | 72.7421% | 802 |
| Net loans and leases to deposits | 80.8634% | 1,203 |
| Net loans and leases to core deposits | 86.1659% | 1,278 |
| Total domestic deposits to total assets | 89.9567% | 791 |
| Equity capital to assets | 9.2837% | 3,575 |
| Core capital (leverage) ratio | 9.3958% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,311,750 | 1,301 |
| Average earning assets | $672,199,500 | 1,277 |
| Average equity | $59,624,750 | 1,544 |
| Average total loans | $509,405,500 | 1,168 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 824 |
| Cost of funding earning assets | 0.4508% | 1,513 |
| Net interest margin | 3.9747% | 858 |
| Noninterest income to average assets | 0.7449% | 1,682 |
| Noninterest expense to average assets | 2.5367% | 2,032 |
| Loan and lease loss provision to assets | 0.1942% | 573 |
| Net operating income to assets | 1.3580% | 1,681 |
| Return on assets (ROA) | 1.3582% | 1,764 |
| Pretax return on assets | 1.8120% | 1,207 |
| Return on Equity (ROE) | 16.5766% | 844 |
| Retained earnings to average equity (ytd only) | 14.7422% | 469 |
| Net charge-offs to loans | -0.0504% | 4,377 |
| Credit loss provision to net charge-offs | -534.1270% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8428% | 3,565 |
| Assets per employee ($millions) | 4.2574% | 4,292 |
| Cash dividends to net income (ytd only)* | 11.0663% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,063 |
| Loan loss allowance to noncurrent loans | 919.2381% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,722 |
| Noncurrent loans to loans | 0.1013% | 3,676 |
| Net loans and leases to total assets | 70.9325% | 1,094 |
| Net loans and leases to deposits | 78.1541% | 1,606 |
| Net loans and leases to core deposits | 83.3041% | 1,618 |
| Total domestic deposits to total assets | 90.7599% | 455 |
| Equity capital to assets | 8.2876% | 4,361 |
| Core capital (leverage) ratio | 8.5355% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $693,271,000 | 1,309 |
| Average earning assets | $662,382,333 | 1,285 |
| Average equity | $56,803,000 | 1,601 |
| Average total loans | $499,696,333 | 1,188 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 791 |
| Cost of funding earning assets | 0.5045% | 1,364 |
| Net interest margin | 3.9833% | 864 |
| Noninterest income to average assets | 0.6967% | 1,877 |
| Noninterest expense to average assets | 2.5704% | 1,955 |
| Loan and lease loss provision to assets | 0.1906% | 643 |
| Net operating income to assets | 1.3150% | 1,779 |
| Return on assets (ROA) | 1.3150% | 1,862 |
| Pretax return on assets | 1.7415% | 1,411 |
| Return on Equity (ROE) | 16.1482% | 987 |
| Retained earnings to average equity (ytd only) | 12.3738% | 1,057 |
| Net charge-offs to loans | -0.0391% | 4,299 |
| Credit loss provision to net charge-offs | -672.9167% | 3,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0886% | 3,416 |
| Assets per employee ($millions) | 4.1481% | 4,386 |
| Cash dividends to net income (ytd only)* | 23.3737% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,185 |
| Loan loss allowance to noncurrent loans | 250.7982% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,872 |
| Noncurrent loans to loans | 0.3545% | 2,808 |
| Net loans and leases to total assets | 70.7932% | 1,179 |
| Net loans and leases to deposits | 77.9980% | 1,714 |
| Net loans and leases to core deposits | 83.7600% | 1,697 |
| Total domestic deposits to total assets | 90.7628% | 488 |
| Equity capital to assets | 8.2688% | 4,311 |
| Core capital (leverage) ratio | 8.5212% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $678,027,500 | 1,321 |
| Average earning assets | $647,808,500 | 1,295 |
| Average equity | $55,213,500 | 1,627 |
| Average total loans | $490,441,500 | 1,202 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 291 |
| Cost of funding earning assets | 0.8746% | 929 |
| Net interest margin | 4.3850% | 418 |
| Noninterest income to average assets | 0.7690% | 1,631 |
| Noninterest expense to average assets | 2.8254% | 1,882 |
| Loan and lease loss provision to assets | 0.1879% | 2,073 |
| Net operating income to assets | 1.3736% | 1,077 |
| Return on assets (ROA) | 1.3736% | 1,168 |
| Pretax return on assets | 1.9182% | 532 |
| Return on Equity (ROE) | 15.7085% | 538 |
| Retained earnings to average equity (ytd only) | 2.9986% | 3,355 |
| Net charge-offs to loans | 0.0405% | 2,251 |
| Credit loss provision to net charge-offs | 598.9189% | 1,109 |
| Earnings coverage of net charge-offs (x) | 67.1243% | 1,001 |
| Efficiency ratio | 57.2927% | 3,816 |
| Assets per employee ($millions) | 3.9019% | 4,442 |
| Cash dividends to net income (ytd only)* | 80.9112% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,360 |
| Loan loss allowance to noncurrent loans | 199.6529% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 2,762 |
| Noncurrent loans to loans | 0.4150% | 2,738 |
| Net loans and leases to total assets | 72.6720% | 1,205 |
| Net loans and leases to deposits | 80.0445% | 1,861 |
| Net loans and leases to core deposits | 87.0245% | 1,793 |
| Total domestic deposits to total assets | 90.7895% | 282 |
| Equity capital to assets | 8.0122% | 4,701 |
| Core capital (leverage) ratio | 8.3452% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,622,000 | 1,349 |
| Average earning assets | $559,705,800 | 1,320 |
| Average equity | $51,558,000 | 1,644 |
| Average total loans | $457,289,400 | 1,212 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 292 |
| Cost of funding earning assets | 0.9586% | 883 |
| Net interest margin | 4.4192% | 455 |
| Noninterest income to average assets | 0.7771% | 1,580 |
| Noninterest expense to average assets | 2.9248% | 1,633 |
| Loan and lease loss provision to assets | 0.1521% | 2,489 |
| Net operating income to assets | 1.3349% | 1,272 |
| Return on assets (ROA) | 1.3349% | 1,364 |
| Pretax return on assets | 1.8884% | 651 |
| Return on Equity (ROE) | 14.9043% | 704 |
| Retained earnings to average equity (ytd only) | 0.7193% | 4,330 |
| Net charge-offs to loans | 0.0548% | 1,823 |
| Credit loss provision to net charge-offs | 352.4324% | 1,600 |
| Earnings coverage of net charge-offs (x) | 47.2541% | 1,234 |
| Efficiency ratio | 58.9037% | 3,534 |
| Assets per employee ($millions) | 3.7821% | 4,489 |
| Cash dividends to net income (ytd only)* | 95.1740% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,517 |
| Loan loss allowance to noncurrent loans | 485.8503% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,820 |
| Noncurrent loans to loans | 0.1511% | 3,777 |
| Net loans and leases to total assets | 80.2915% | 589 |
| Net loans and leases to deposits | 88.9648% | 1,373 |
| Net loans and leases to core deposits | 98.4018% | 1,279 |
| Total domestic deposits to total assets | 90.2510% | 347 |
| Equity capital to assets | 8.6319% | 4,382 |
| Core capital (leverage) ratio | 8.5338% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,195,750 | 1,369 |
| Average earning assets | $541,357,000 | 1,347 |
| Average equity | $51,160,750 | 1,649 |
| Average total loans | $450,091,750 | 1,221 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 352 |
| Cost of funding earning assets | 1.0457% | 852 |
| Net interest margin | 4.4280% | 584 |
| Noninterest income to average assets | 0.7492% | 1,582 |
| Noninterest expense to average assets | 2.9672% | 1,663 |
| Loan and lease loss provision to assets | 0.0870% | 3,192 |
| Net operating income to assets | 1.2927% | 1,375 |
| Return on assets (ROA) | 1.2927% | 1,486 |
| Pretax return on assets | 1.8815% | 695 |
| Return on Equity (ROE) | 14.2482% | 843 |
| Retained earnings to average equity (ytd only) | 4.6512% | 2,639 |
| Net charge-offs to loans | 0.0292% | 2,131 |
| Credit loss provision to net charge-offs | 381.2500% | 1,444 |
| Earnings coverage of net charge-offs (x) | 86.2969% | 770 |
| Efficiency ratio | 60.1170% | 3,400 |
| Assets per employee ($millions) | 3.6839% | 4,560 |
| Cash dividends to net income (ytd only)* | 67.3559% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 4,586 |
| Loan loss allowance to noncurrent loans | 305.2974% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 3,636 |
| Noncurrent loans to loans | 0.2262% | 3,568 |
| Net loans and leases to total assets | 78.6601% | 760 |
| Net loans and leases to deposits | 87.7121% | 1,586 |
| Net loans and leases to core deposits | 97.4574% | 1,458 |
| Total domestic deposits to total assets | 89.6799% | 500 |
| Equity capital to assets | 8.7893% | 4,275 |
| Core capital (leverage) ratio | 9.0843% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $561,144,000 | 1,373 |
| Average earning assets | $530,533,667 | 1,348 |
| Average equity | $50,911,667 | 1,642 |
| Average total loans | $437,987,333 | 1,234 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 356 |
| Cost of funding earning assets | 1.1618% | 873 |
| Net interest margin | 4.3653% | 670 |
| Noninterest income to average assets | 0.8214% | 1,251 |
| Noninterest expense to average assets | 3.0583% | 1,746 |
| Loan and lease loss provision to assets | 0.0975% | 2,463 |
| Net operating income to assets | 1.0889% | 1,881 |
| Return on assets (ROA) | 1.0889% | 1,978 |
| Pretax return on assets | 1.7847% | 725 |
| Return on Equity (ROE) | 11.7970% | 1,160 |
| Retained earnings to average equity (ytd only) | -7.7553% | 4,679 |
| Net charge-offs to loans | 0.0010% | 2,563 |
| Credit loss provision to net charge-offs | 13,200.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,548.0000% | 8 |
| Efficiency ratio | 61.9019% | 3,508 |
| Assets per employee ($millions) | 3.3633% | 4,591 |
| Cash dividends to net income (ytd only)* | 165.7395% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,494 |
| Loan loss allowance to noncurrent loans | 243.7830% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,480 |
| Noncurrent loans to loans | 0.3112% | 3,379 |
| Net loans and leases to total assets | 78.1465% | 955 |
| Net loans and leases to deposits | 87.5110% | 1,807 |
| Net loans and leases to core deposits | 98.1716% | 1,612 |
| Total domestic deposits to total assets | 89.2991% | 547 |
| Equity capital to assets | 9.2920% | 4,399 |
| Core capital (leverage) ratio | 9.3541% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,482,000 | 1,371 |
| Average earning assets | $510,939,000 | 1,349 |
| Average equity | $49,979,000 | 1,667 |
| Average total loans | $419,174,000 | 1,249 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 396 |
| Cost of funding earning assets | 1.2601% | 862 |
| Net interest margin | 4.4446% | 813 |
| Noninterest income to average assets | 0.8148% | 1,409 |
| Noninterest expense to average assets | 3.1491% | 1,647 |
| Loan and lease loss provision to assets | 0.0484% | 3,058 |
| Net operating income to assets | 1.7648% | 574 |
| Return on assets (ROA) | 1.7648% | 606 |
| Pretax return on assets | 1.8122% | 909 |
| Return on Equity (ROE) | 19.0176% | 268 |
| Retained earnings to average equity (ytd only) | 9.2639% | 652 |
| Net charge-offs to loans | 0.0164% | 3,129 |
| Credit loss provision to net charge-offs | 369.6970% | 751 |
| Earnings coverage of net charge-offs (x) | 142.0303% | 515 |
| Efficiency ratio | 62.8591% | 3,237 |
| Assets per employee ($millions) | 3.4933% | 4,484 |
| Cash dividends to net income (ytd only)* | 51.2878% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 4,440 |
| Loan loss allowance to noncurrent loans | 295.0570% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,685 |
| Noncurrent loans to loans | 0.2554% | 3,533 |
| Net loans and leases to total assets | 75.5075% | 1,502 |
| Net loans and leases to deposits | 84.6038% | 2,264 |
| Net loans and leases to core deposits | 95.2027% | 1,969 |
| Total domestic deposits to total assets | 89.2483% | 575 |
| Equity capital to assets | 9.1681% | 4,596 |
| Core capital (leverage) ratio | 9.4374% | 4,124 |
| Tier 1 risk-based capital ratio | 12.7740% | 3,908 |
| Total risk-based capital ratio | 13.5761% | 4,039 |
| Memoranda: | ||
| Average total assets | $503,802,400 | 1,417 |
| Average earning assets | $475,502,400 | 1,399 |
| Average equity | $46,751,400 | 1,698 |
| Average total loans | $402,532,800 | 1,262 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7212% | 402 |
| Cost of funding earning assets | 1.2528% | 905 |
| Net interest margin | 4.4684% | 827 |
| Noninterest income to average assets | 0.8056% | 1,399 |
| Noninterest expense to average assets | 3.1214% | 1,668 |
| Loan and lease loss provision to assets | 0.0523% | 2,860 |
| Net operating income to assets | 1.8037% | 614 |
| Return on assets (ROA) | 1.8037% | 645 |
| Pretax return on assets | 1.8519% | 977 |
| Return on Equity (ROE) | 19.3729% | 291 |
| Retained earnings to average equity (ytd only) | 6.1641% | 2,294 |
| Net charge-offs to loans | -0.0053% | 4,222 |
| Credit loss provision to net charge-offs | -1,212.5000% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1089% | 3,309 |
| Assets per employee ($millions) | 3.4267% | 4,574 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,489 |
| Loan loss allowance to noncurrent loans | 380.5825% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 3,873 |
| Noncurrent loans to loans | 0.2025% | 3,818 |
| Net loans and leases to total assets | 79.0662% | 981 |
| Net loans and leases to deposits | 88.2214% | 1,906 |
| Net loans and leases to core deposits | 101.2409% | 1,566 |
| Total domestic deposits to total assets | 89.6225% | 405 |
| Equity capital to assets | 9.2805% | 4,609 |
| Core capital (leverage) ratio | 9.4019% | 4,274 |
| Tier 1 risk-based capital ratio | 12.4521% | 4,172 |
| Total risk-based capital ratio | 13.2813% | 4,294 |
| Memoranda: | ||
| Average total assets | $494,386,250 | 1,446 |
| Average earning assets | $466,906,750 | 1,432 |
| Average equity | $46,028,750 | 1,719 |
| Average total loans | $400,178,000 | 1,277 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6346% | 446 |
| Cost of funding earning assets | 1.2293% | 920 |
| Net interest margin | 4.4052% | 933 |
| Noninterest income to average assets | 0.7996% | 1,350 |
| Noninterest expense to average assets | 3.1076% | 1,712 |
| Loan and lease loss provision to assets | 0.0609% | 2,604 |
| Net operating income to assets | 1.7714% | 632 |
| Return on assets (ROA) | 1.7714% | 658 |
| Pretax return on assets | 1.7861% | 1,072 |
| Return on Equity (ROE) | 19.0052% | 316 |
| Retained earnings to average equity (ytd only) | 9.7154% | 836 |
| Net charge-offs to loans | -0.0080% | 4,258 |
| Credit loss provision to net charge-offs | -931.2500% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7208% | 3,327 |
| Assets per employee ($millions) | 3.3226% | 4,682 |
| Cash dividends to net income (ytd only)* | 48.8802% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,537 |
| Loan loss allowance to noncurrent loans | 376.4921% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,942 |
| Noncurrent loans to loans | 0.2052% | 3,813 |
| Net loans and leases to total assets | 79.6601% | 941 |
| Net loans and leases to deposits | 89.9130% | 1,750 |
| Net loans and leases to core deposits | 100.3567% | 1,691 |
| Total domestic deposits to total assets | 88.5969% | 830 |
| Equity capital to assets | 9.5150% | 4,389 |
| Core capital (leverage) ratio | 9.5883% | 4,054 |
| Tier 1 risk-based capital ratio | 12.8026% | 3,947 |
| Total risk-based capital ratio | 13.6420% | 4,066 |
| Memoranda: | ||
| Average total assets | $488,989,330 | 1,462 |
| Average earning assets | $461,224,670 | 1,447 |
| Average equity | $45,577,000 | 1,724 |
| Average total loans | $397,960,670 | 1,282 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 540 |
| Cost of funding earning assets | 1.1748% | 976 |
| Net interest margin | 4.3074% | 1,078 |
| Noninterest income to average assets | 0.7937% | 1,305 |
| Noninterest expense to average assets | 3.1072% | 1,719 |
| Loan and lease loss provision to assets | 0.0892% | 1,927 |
| Net operating income to assets | 1.6676% | 781 |
| Return on assets (ROA) | 1.6676% | 812 |
| Pretax return on assets | 1.6676% | 1,289 |
| Return on Equity (ROE) | 18.0855% | 392 |
| Retained earnings to average equity (ytd only) | -0.8779% | 4,635 |
| Net charge-offs to loans | -0.0081% | 4,146 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8818% | 3,257 |
| Assets per employee ($millions) | 3.3861% | 4,665 |
| Cash dividends to net income (ytd only)* | 104.8539% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,645 |
| Loan loss allowance to noncurrent loans | 354.1327% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,942 |
| Noncurrent loans to loans | 0.2140% | 3,824 |
| Net loans and leases to total assets | 81.1485% | 690 |
| Net loans and leases to deposits | 91.2071% | 1,491 |
| Net loans and leases to core deposits | 101.3201% | 1,515 |
| Total domestic deposits to total assets | 88.9718% | 868 |
| Equity capital to assets | 9.1111% | 4,609 |
| Core capital (leverage) ratio | 9.4636% | 4,173 |
| Tier 1 risk-based capital ratio | 12.1666% | 4,371 |
| Total risk-based capital ratio | 12.9928% | 4,498 |
| Memoranda: | ||
| Average total assets | $484,288,500 | 1,477 |
| Average earning assets | $457,629,000 | 1,458 |
| Average equity | $44,654,500 | 1,747 |
| Average total loans | $396,886,000 | 1,285 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 574 |
| Cost of funding earning assets | 0.8421% | 1,341 |
| Net interest margin | 4.4674% | 811 |
| Noninterest income to average assets | 0.8393% | 1,339 |
| Noninterest expense to average assets | 3.1798% | 1,599 |
| Loan and lease loss provision to assets | 0.1279% | 1,719 |
| Net operating income to assets | 1.7323% | 634 |
| Return on assets (ROA) | 1.7323% | 636 |
| Pretax return on assets | 1.7323% | 1,087 |
| Return on Equity (ROE) | 19.5631% | 273 |
| Retained earnings to average equity (ytd only) | 9.8102% | 651 |
| Net charge-offs to loans | 0.0019% | 3,680 |
| Credit loss provision to net charge-offs | 8,271.4286% | 58 |
| Earnings coverage of net charge-offs (x) | 1,202.8571% | 89 |
| Efficiency ratio | 63.0912% | 3,326 |
| Assets per employee ($millions) | 3.2489% | 4,785 |
| Cash dividends to net income (ytd only)* | 49.8533% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 4,690 |
| Loan loss allowance to noncurrent loans | 776.1273% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,015 |
| Noncurrent loans to loans | 0.0961% | 4,311 |
| Net loans and leases to total assets | 81.5292% | 725 |
| Net loans and leases to deposits | 93.5989% | 1,326 |
| Net loans and leases to core deposits | 103.5382% | 1,452 |
| Total domestic deposits to total assets | 87.1049% | 1,736 |
| Equity capital to assets | 9.3333% | 4,289 |
| Core capital (leverage) ratio | 9.7580% | 3,851 |
| Tier 1 risk-based capital ratio | 11.9343% | 4,471 |
| Total risk-based capital ratio | 12.7127% | 4,646 |
| Memoranda: | ||
| Average total assets | $452,640,800 | 1,529 |
| Average earning assets | $425,615,200 | 1,512 |
| Average equity | $40,080,600 | 1,853 |
| Average total loans | $364,634,600 | 1,349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 585 |
| Cost of funding earning assets | 0.7726% | 1,464 |
| Net interest margin | 4.4622% | 800 |
| Noninterest income to average assets | 0.8587% | 1,308 |
| Noninterest expense to average assets | 3.1537% | 1,631 |
| Loan and lease loss provision to assets | 0.1610% | 1,198 |
| Net operating income to assets | 1.7290% | 703 |
| Return on assets (ROA) | 1.7290% | 710 |
| Pretax return on assets | 1.7290% | 1,209 |
| Return on Equity (ROE) | 19.8128% | 288 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,415 |
| Net charge-offs to loans | 0.0488% | 2,130 |
| Credit loss provision to net charge-offs | 411.4504% | 808 |
| Earnings coverage of net charge-offs (x) | 48.3060% | 1,194 |
| Efficiency ratio | 62.5274% | 3,425 |
| Assets per employee ($millions) | 3.0725% | 4,985 |
| Cash dividends to net income (ytd only)* | 67.5247% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 4,801 |
| Loan loss allowance to noncurrent loans | 595.0431% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,930 |
| Noncurrent loans to loans | 0.1234% | 4,337 |
| Net loans and leases to total assets | 82.1154% | 694 |
| Net loans and leases to deposits | 94.3068% | 1,349 |
| Net loans and leases to core deposits | 104.4992% | 1,419 |
| Total domestic deposits to total assets | 87.0726% | 1,695 |
| Equity capital to assets | 8.7559% | 4,757 |
| Core capital (leverage) ratio | 9.0862% | 4,625 |
| Tier 1 risk-based capital ratio | 11.5497% | 4,764 |
| Total risk-based capital ratio | 12.3397% | 4,890 |
| Memoranda: | ||
| Average total assets | $446,403,250 | 1,552 |
| Average earning assets | $418,674,750 | 1,538 |
| Average equity | $38,957,000 | 1,909 |
| Average total loans | $357,717,750 | 1,374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 614 |
| Cost of funding earning assets | 0.7043% | 1,599 |
| Net interest margin | 4.4379% | 788 |
| Noninterest income to average assets | 0.8872% | 1,217 |
| Noninterest expense to average assets | 3.0900% | 1,813 |
| Loan and lease loss provision to assets | 0.1609% | 1,157 |
| Net operating income to assets | 1.7979% | 582 |
| Return on assets (ROA) | 1.7979% | 586 |
| Pretax return on assets | 1.7979% | 967 |
| Return on Equity (ROE) | 20.6255% | 225 |
| Retained earnings to average equity (ytd only) | 9.6766% | 1,020 |
| Net charge-offs to loans | 0.0512% | 1,869 |
| Credit loss provision to net charge-offs | 396.6667% | 829 |
| Earnings coverage of net charge-offs (x) | 48.2778% | 1,149 |
| Efficiency ratio | 61.2019% | 3,741 |
| Assets per employee ($millions) | 3.3203% | 4,796 |
| Cash dividends to net income (ytd only)* | 53.0843% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 4,925 |
| Loan loss allowance to noncurrent loans | 367.4614% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,828 |
| Noncurrent loans to loans | 0.1934% | 4,033 |
| Net loans and leases to total assets | 78.7332% | 1,199 |
| Net loans and leases to deposits | 91.0339% | 1,707 |
| Net loans and leases to core deposits | 98.3083% | 1,870 |
| Total domestic deposits to total assets | 86.4878% | 2,060 |
| Equity capital to assets | 8.5882% | 4,882 |
| Core capital (leverage) ratio | 9.1944% | 4,469 |
| Tier 1 risk-based capital ratio | 11.4296% | 4,821 |
| Total risk-based capital ratio | 12.1722% | 4,985 |
| Memoranda: | ||
| Average total assets | $443,627,330 | 1,571 |
| Average earning assets | $416,007,000 | 1,557 |
| Average equity | $38,670,670 | 1,920 |
| Average total loans | $351,568,670 | 1,393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 697 |
| Cost of funding earning assets | 0.6547% | 1,697 |
| Net interest margin | 4.3485% | 859 |
| Noninterest income to average assets | 0.8221% | 1,387 |
| Noninterest expense to average assets | 3.1324% | 1,733 |
| Loan and lease loss provision to assets | 0.1386% | 1,361 |
| Net operating income to assets | 1.6249% | 813 |
| Return on assets (ROA) | 1.6249% | 813 |
| Pretax return on assets | 1.6249% | 1,319 |
| Return on Equity (ROE) | 18.4939% | 362 |
| Retained earnings to average equity (ytd only) | -3.7640% | 5,126 |
| Net charge-offs to loans | -0.0268% | 4,690 |
| Credit loss provision to net charge-offs | -652.1739% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9811% | 3,485 |
| Assets per employee ($millions) | 3.1053% | 5,086 |
| Cash dividends to net income (ytd only)* | 120.3525% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,985 |
| Loan loss allowance to noncurrent loans | 204.6154% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 3,128 |
| Noncurrent loans to loans | 0.3518% | 3,510 |
| Net loans and leases to total assets | 79.0465% | 1,072 |
| Net loans and leases to deposits | 88.6543% | 1,848 |
| Net loans and leases to core deposits | 99.2062% | 1,747 |
| Total domestic deposits to total assets | 89.1627% | 1,020 |
| Equity capital to assets | 8.5591% | 4,932 |
| Core capital (leverage) ratio | 8.9463% | 4,739 |
| Tier 1 risk-based capital ratio | 11.8682% | 4,631 |
| Total risk-based capital ratio | 12.6563% | 4,815 |
| Memoranda: | ||
| Average total assets | $433,017,500 | 1,612 |
| Average earning assets | $405,656,000 | 1,598 |
| Average equity | $38,045,000 | 1,950 |
| Average total loans | $343,048,500 | 1,430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 614 |
| Cost of funding earning assets | 0.5619% | 1,874 |
| Net interest margin | 4.4645% | 677 |
| Noninterest income to average assets | 0.8741% | 1,345 |
| Noninterest expense to average assets | 3.2373% | 1,535 |
| Loan and lease loss provision to assets | 0.2721% | 659 |
| Net operating income to assets | 1.4923% | 818 |
| Return on assets (ROA) | 1.4923% | 841 |
| Pretax return on assets | 1.4923% | 1,672 |
| Return on Equity (ROE) | 16.3660% | 441 |
| Retained earnings to average equity (ytd only) | 7.1567% | 1,017 |
| Net charge-offs to loans | 0.1618% | 1,507 |
| Credit loss provision to net charge-offs | 217.7866% | 1,253 |
| Earnings coverage of net charge-offs (x) | 14.1225% | 2,351 |
| Efficiency ratio | 64.7233% | 3,493 |
| Assets per employee ($millions) | 3.0581% | 5,156 |
| Cash dividends to net income (ytd only)* | 56.2707% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 5,068 |
| Loan loss allowance to noncurrent loans | 208.5031% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,861 |
| Noncurrent loans to loans | 0.3370% | 3,555 |
| Net loans and leases to total assets | 78.2574% | 1,255 |
| Net loans and leases to deposits | 87.5343% | 2,075 |
| Net loans and leases to core deposits | 97.0049% | 1,948 |
| Total domestic deposits to total assets | 89.4019% | 819 |
| Equity capital to assets | 9.0214% | 4,693 |
| Core capital (leverage) ratio | 9.2412% | 4,356 |
| Tier 1 risk-based capital ratio | 12.1352% | 4,439 |
| Total risk-based capital ratio | 12.8780% | 4,656 |
| Memoranda: | ||
| Average total assets | $405,000,000 | 1,685 |
| Average earning assets | $374,445,200 | 1,686 |
| Average equity | $36,930,200 | 1,986 |
| Average total loans | $312,765,000 | 1,522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 614 |
| Cost of funding earning assets | 0.5528% | 1,873 |
| Net interest margin | 4.4478% | 668 |
| Noninterest income to average assets | 0.8887% | 1,307 |
| Noninterest expense to average assets | 3.2037% | 1,548 |
| Loan and lease loss provision to assets | 0.1817% | 1,095 |
| Net operating income to assets | 1.6097% | 694 |
| Return on assets (ROA) | 1.6097% | 715 |
| Pretax return on assets | 1.6097% | 1,384 |
| Return on Equity (ROE) | 17.6032% | 368 |
| Retained earnings to average equity (ytd only) | 5.2055% | 2,739 |
| Net charge-offs to loans | 0.0438% | 2,564 |
| Credit loss provision to net charge-offs | 539.6040% | 585 |
| Earnings coverage of net charge-offs (x) | 53.2092% | 1,078 |
| Efficiency ratio | 64.1375% | 3,518 |
| Assets per employee ($millions) | 3.0283% | 5,240 |
| Cash dividends to net income (ytd only)* | 70.4286% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 5,181 |
| Loan loss allowance to noncurrent loans | 175.1790% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 2,842 |
| Noncurrent loans to loans | 0.3887% | 3,562 |
| Net loans and leases to total assets | 77.9914% | 1,273 |
| Net loans and leases to deposits | 87.4898% | 2,129 |
| Net loans and leases to core deposits | 98.6335% | 1,835 |
| Total domestic deposits to total assets | 89.1435% | 808 |
| Equity capital to assets | 9.0736% | 4,846 |
| Core capital (leverage) ratio | 9.1978% | 4,520 |
| Tier 1 risk-based capital ratio | 12.2064% | 4,493 |
| Total risk-based capital ratio | 12.9287% | 4,730 |
| Memoranda: | ||
| Average total assets | $399,980,750 | 1,717 |
| Average earning assets | $369,285,750 | 1,723 |
| Average equity | $36,575,750 | 2,008 |
| Average total loans | $307,204,250 | 1,550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 742 |
| Cost of funding earning assets | 0.5355% | 1,874 |
| Net interest margin | 4.3394% | 781 |
| Noninterest income to average assets | 0.8813% | 1,327 |
| Noninterest expense to average assets | 3.1559% | 1,687 |
| Loan and lease loss provision to assets | 0.1869% | 1,010 |
| Net operating income to assets | 1.5610% | 766 |
| Return on assets (ROA) | 1.5610% | 789 |
| Pretax return on assets | 1.5610% | 1,457 |
| Return on Equity (ROE) | 17.0250% | 406 |
| Retained earnings to average equity (ytd only) | 8.2123% | 1,080 |
| Net charge-offs to loans | 0.0563% | 2,125 |
| Credit loss provision to net charge-offs | 435.2941% | 739 |
| Earnings coverage of net charge-offs (x) | 40.7176% | 1,234 |
| Efficiency ratio | 64.3563% | 3,615 |
| Assets per employee ($millions) | 3.0488% | 5,221 |
| Cash dividends to net income (ytd only)* | 51.7632% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 5,278 |
| Loan loss allowance to noncurrent loans | 209.9692% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,686 |
| Noncurrent loans to loans | 0.3154% | 3,912 |
| Net loans and leases to total assets | 74.4597% | 1,786 |
| Net loans and leases to deposits | 83.4948% | 2,545 |
| Net loans and leases to core deposits | 94.4939% | 2,109 |
| Total domestic deposits to total assets | 89.1789% | 870 |
| Equity capital to assets | 9.1124% | 4,789 |
| Core capital (leverage) ratio | 9.3375% | 4,314 |
| Tier 1 risk-based capital ratio | 12.9473% | 4,035 |
| Total risk-based capital ratio | 13.6575% | 4,241 |
| Memoranda: | ||
| Average total assets | $396,026,330 | 1,738 |
| Average earning assets | $367,103,670 | 1,734 |
| Average equity | $36,311,330 | 2,015 |
| Average total loans | $301,804,000 | 1,569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 776 |
| Cost of funding earning assets | 0.5185% | 1,950 |
| Net interest margin | 4.2653% | 857 |
| Noninterest income to average assets | 0.8634% | 1,349 |
| Noninterest expense to average assets | 3.1001% | 1,862 |
| Loan and lease loss provision to assets | 0.1803% | 965 |
| Net operating income to assets | 1.5660% | 721 |
| Return on assets (ROA) | 1.5660% | 742 |
| Pretax return on assets | 1.5660% | 1,322 |
| Return on Equity (ROE) | 17.0241% | 408 |
| Retained earnings to average equity (ytd only) | -0.8960% | 5,048 |
| Net charge-offs to loans | 0.0268% | 2,220 |
| Credit loss provision to net charge-offs | 875.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 84.7500% | 628 |
| Efficiency ratio | 63.9668% | 3,844 |
| Assets per employee ($millions) | 3.1441% | 5,233 |
| Cash dividends to net income (ytd only)* | 105.2632% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6329% | 5,425 |
| Loan loss allowance to noncurrent loans | 111.4219% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,846 |
| Noncurrent loans to loans | 0.5680% | 3,103 |
| Net loans and leases to total assets | 75.1740% | 1,547 |
| Net loans and leases to deposits | 84.1890% | 2,262 |
| Net loans and leases to core deposits | 94.1389% | 1,979 |
| Total domestic deposits to total assets | 89.2919% | 1,010 |
| Equity capital to assets | 8.9533% | 4,857 |
| Core capital (leverage) ratio | 9.2571% | 4,404 |
| Tier 1 risk-based capital ratio | 12.5133% | 4,381 |
| Total risk-based capital ratio | 13.1845% | 4,662 |
| Memoranda: | ||
| Average total assets | $388,243,000 | 1,781 |
| Average earning assets | $362,557,500 | 1,765 |
| Average equity | $35,714,000 | 2,051 |
| Average total loans | $298,449,000 | 1,587 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 407 |
| Cost of funding earning assets | 0.4940% | 2,135 |
| Net interest margin | 4.7171% | 413 |
| Noninterest income to average assets | 0.9324% | 1,313 |
| Noninterest expense to average assets | 3.2298% | 1,726 |
| Loan and lease loss provision to assets | 0.3638% | 458 |
| Net operating income to assets | 1.9524% | 355 |
| Return on assets (ROA) | 1.9524% | 370 |
| Pretax return on assets | 1.7056% | 989 |
| Return on Equity (ROE) | 20.2617% | 200 |
| Retained earnings to average equity (ytd only) | 14.9981% | 106 |
| Net charge-offs to loans | 0.1020% | 2,256 |
| Credit loss provision to net charge-offs | 461.0714% | 703 |
| Earnings coverage of net charge-offs (x) | 26.2286% | 1,554 |
| Efficiency ratio | 60.9486% | 4,428 |
| Assets per employee ($millions) | 3.0174% | 5,344 |
| Cash dividends to net income (ytd only)* | 25.9778% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 5,542 |
| Loan loss allowance to noncurrent loans | 118.1452% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 2,908 |
| Noncurrent loans to loans | 0.5047% | 3,337 |
| Net loans and leases to total assets | 77.6960% | 1,249 |
| Net loans and leases to deposits | 87.5907% | 1,976 |
| Net loans and leases to core deposits | 96.7590% | 1,856 |
| Total domestic deposits to total assets | 88.7035% | 1,268 |
| Equity capital to assets | 9.4589% | 4,313 |
| Core capital (leverage) ratio | 9.8101% | 3,730 |
| Tier 1 risk-based capital ratio | 12.9621% | 4,102 |
| Total risk-based capital ratio | 13.5985% | 4,366 |
| Memoranda: | ||
| Average total assets | $354,887,800 | 1,882 |
| Average earning assets | $328,527,800 | 1,878 |
| Average equity | $34,197,600 | 2,125 |
| Average total loans | $274,617,800 | 1,646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 379 |
| Cost of funding earning assets | 0.4891% | 2,184 |
| Net interest margin | 4.7924% | 370 |
| Noninterest income to average assets | 0.9848% | 1,176 |
| Noninterest expense to average assets | 3.1936% | 1,792 |
| Loan and lease loss provision to assets | 0.3909% | 382 |
| Net operating income to assets | 2.1669% | 264 |
| Return on assets (ROA) | 2.1669% | 275 |
| Pretax return on assets | 1.8325% | 836 |
| Return on Equity (ROE) | 22.3755% | 152 |
| Retained earnings to average equity (ytd only) | 15.2809% | 127 |
| Net charge-offs to loans | 0.1197% | 1,756 |
| Credit loss provision to net charge-offs | 423.1405% | 809 |
| Earnings coverage of net charge-offs (x) | 24.0701% | 1,692 |
| Efficiency ratio | 58.9557% | 4,691 |
| Assets per employee ($millions) | 3.0023% | 5,392 |
| Cash dividends to net income (ytd only)* | 31.7069% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 5,679 |
| Loan loss allowance to noncurrent loans | 108.0622% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 2,842 |
| Noncurrent loans to loans | 0.5040% | 3,487 |
| Net loans and leases to total assets | 76.1727% | 1,495 |
| Net loans and leases to deposits | 88.1482% | 1,996 |
| Net loans and leases to core deposits | 97.7953% | 1,832 |
| Total domestic deposits to total assets | 86.4144% | 2,163 |
| Equity capital to assets | 9.5747% | 4,584 |
| Core capital (leverage) ratio | 9.5454% | 4,123 |
| Tier 1 risk-based capital ratio | 13.0571% | 4,127 |
| Total risk-based capital ratio | 13.6350% | 4,448 |
| Memoranda: | ||
| Average total assets | $349,315,000 | 1,908 |
| Average earning assets | $323,061,500 | 1,911 |
| Average equity | $33,827,750 | 2,155 |
| Average total loans | $269,569,500 | 1,677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 337 |
| Cost of funding earning assets | 0.4820% | 2,253 |
| Net interest margin | 4.8516% | 338 |
| Noninterest income to average assets | 0.9864% | 1,147 |
| Noninterest expense to average assets | 3.1799% | 1,863 |
| Loan and lease loss provision to assets | 0.4254% | 345 |
| Net operating income to assets | 2.3837% | 176 |
| Return on assets (ROA) | 2.3837% | 185 |
| Pretax return on assets | 1.8739% | 739 |
| Return on Equity (ROE) | 24.5169% | 95 |
| Retained earnings to average equity (ytd only) | 24.5169% | 35 |
| Net charge-offs to loans | 0.1369% | 1,507 |
| Credit loss provision to net charge-offs | 401.6484% | 771 |
| Earnings coverage of net charge-offs (x) | 21.7088% | 1,666 |
| Efficiency ratio | 58.0351% | 4,896 |
| Assets per employee ($millions) | 2.9527% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4754% | 5,825 |
| Loan loss allowance to noncurrent loans | 88.2754% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 2,748 |
| Noncurrent loans to loans | 0.5385% | 3,463 |
| Net loans and leases to total assets | 75.2616% | 1,600 |
| Net loans and leases to deposits | 86.3284% | 2,212 |
| Net loans and leases to core deposits | 96.4273% | 1,940 |
| Total domestic deposits to total assets | 87.1805% | 1,820 |
| Equity capital to assets | 9.8058% | 4,442 |
| Core capital (leverage) ratio | 9.9727% | 3,595 |
| Tier 1 risk-based capital ratio | 13.5315% | 3,878 |
| Total risk-based capital ratio | 14.0362% | 4,235 |
| Memoranda: | ||
| Average total assets | $343,660,670 | 1,938 |
| Average earning assets | $318,247,000 | 1,938 |
| Average equity | $33,413,670 | 2,177 |
| Average total loans | $265,915,330 | 1,692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 353 |
| Cost of funding earning assets | 0.4704% | 2,365 |
| Net interest margin | 4.8379% | 338 |
| Noninterest income to average assets | 1.0233% | 1,026 |
| Noninterest expense to average assets | 3.2632% | 1,684 |
| Loan and lease loss provision to assets | 0.3363% | 445 |
| Net operating income to assets | 2.9948% | 96 |
| Return on assets (ROA) | 2.9948% | 95 |
| Pretax return on assets | 1.9500% | 627 |
| Return on Equity (ROE) | 30.9437% | 42 |
| Retained earnings to average equity (ytd only) | 30.9437% | 24 |
| Net charge-offs to loans | 0.0061% | 2,907 |
| Credit loss provision to net charge-offs | 7,050.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 479.2500% | 117 |
| Efficiency ratio | 58.8008% | 4,902 |
| Assets per employee ($millions) | 3.0669% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3808% | 5,961 |
| Loan loss allowance to noncurrent loans | 52.5398% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 2,869 |
| Noncurrent loans to loans | 0.7248% | 3,023 |
| Net loans and leases to total assets | 77.2915% | 1,208 |
| Net loans and leases to deposits | 87.2700% | 1,907 |
| Net loans and leases to core deposits | 96.9180% | 1,713 |
| Total domestic deposits to total assets | 88.5660% | 1,321 |
| Equity capital to assets | 9.7342% | 4,415 |
| Core capital (leverage) ratio | 9.7548% | 3,839 |
| Tier 1 risk-based capital ratio | 13.3503% | 4,065 |
| Total risk-based capital ratio | 13.7630% | 4,480 |
| Memoranda: | ||
| Average total assets | $335,378,500 | 1,998 |
| Average earning assets | $313,774,000 | 1,980 |
| Average equity | $32,459,000 | 2,222 |
| Average total loans | $262,670,000 | 1,710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 765 |
| Cost of funding earning assets | 0.4809% | 2,349 |
| Net interest margin | 4.4207% | 760 |
| Noninterest income to average assets | 1.0121% | 1,151 |
| Noninterest expense to average assets | 3.4065% | 1,471 |
| Loan and lease loss provision to assets | 0.1451% | 1,632 |
| Net operating income to assets | 0.9738% | 2,495 |
| Return on assets (ROA) | 0.9738% | 2,576 |
| Pretax return on assets | 1.5507% | 1,406 |
| Return on Equity (ROE) | 10.1375% | 1,961 |
| Retained earnings to average equity (ytd only) | 6.6311% | 1,476 |
| Net charge-offs to loans | 0.1410% | 1,936 |
| Credit loss provision to net charge-offs | 141.1585% | 1,865 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 2,123 |
| Efficiency ratio | 66.7649% | 3,784 |
| Assets per employee ($millions) | 3.0299% | 5,497 |
| Cash dividends to net income (ytd only)* | 34.5882% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2909% | 6,060 |
| Loan loss allowance to noncurrent loans | 103.7552% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 3,883 |
| Noncurrent loans to loans | 0.2804% | 4,455 |
| Net loans and leases to total assets | 78.8744% | 1,010 |
| Net loans and leases to deposits | 89.9699% | 1,618 |
| Net loans and leases to core deposits | 96.8140% | 1,765 |
| Total domestic deposits to total assets | 87.6676% | 1,808 |
| Equity capital to assets | 9.6186% | 4,412 |
| Core capital (leverage) ratio | 9.6410% | 3,989 |
| Tier 1 risk-based capital ratio | 12.8064% | 4,450 |
| Total risk-based capital ratio | 13.1174% | 4,941 |
| Memoranda: | ||
| Average total assets | $319,152,400 | 2,051 |
| Average earning assets | $295,291,200 | 2,048 |
| Average equity | $30,658,400 | 2,275 |
| Average total loans | $232,639,400 | 1,851 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 911 |
| Cost of funding earning assets | 0.4842% | 2,370 |
| Net interest margin | 4.3294% | 907 |
| Noninterest income to average assets | 1.0087% | 1,166 |
| Noninterest expense to average assets | 3.4195% | 1,439 |
| Loan and lease loss provision to assets | 0.1313% | 1,711 |
| Net operating income to assets | 0.8976% | 2,972 |
| Return on assets (ROA) | 0.8976% | 3,058 |
| Pretax return on assets | 1.4478% | 1,838 |
| Return on Equity (ROE) | 9.3466% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.3466% | 777 |
| Net charge-offs to loans | -0.0129% | 5,066 |
| Credit loss provision to net charge-offs | -1,422.7273% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4091% | 3,467 |
| Assets per employee ($millions) | 2.9338% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3880% | 6,097 |
| Loan loss allowance to noncurrent loans | 102.8261% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 3,867 |
| Noncurrent loans to loans | 0.3774% | 4,261 |
| Net loans and leases to total assets | 77.3635% | 1,199 |
| Net loans and leases to deposits | 90.2875% | 1,604 |
| Net loans and leases to core deposits | 97.5365% | 1,745 |
| Total domestic deposits to total assets | 85.6858% | 2,696 |
| Equity capital to assets | 9.9902% | 4,164 |
| Core capital (leverage) ratio | 9.8314% | 3,858 |
| Tier 1 risk-based capital ratio | 13.9014% | 3,905 |
| Total risk-based capital ratio | 14.3285% | 4,304 |
| Memoranda: | ||
| Average total assets | $317,891,750 | 2,068 |
| Average earning assets | $292,969,000 | 2,073 |
| Average equity | $30,527,250 | 2,297 |
| Average total loans | $226,686,000 | 1,894 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,225 |
| Cost of funding earning assets | 0.4887% | 2,364 |
| Net interest margin | 4.1350% | 1,264 |
| Noninterest income to average assets | 0.9624% | 1,269 |
| Noninterest expense to average assets | 3.4171% | 1,447 |
| Loan and lease loss provision to assets | 0.0564% | 2,973 |
| Net operating income to assets | 0.8020% | 3,375 |
| Return on assets (ROA) | 0.8020% | 3,470 |
| Pretax return on assets | 1.2900% | 2,400 |
| Return on Equity (ROE) | 8.4630% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.4630% | 1,093 |
| Net charge-offs to loans | -0.0226% | 5,213 |
| Credit loss provision to net charge-offs | -360.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7348% | 3,037 |
| Assets per employee ($millions) | 2.7949% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3152% | 6,207 |
| Loan loss allowance to noncurrent loans | 278.1609% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 4,623 |
| Noncurrent loans to loans | 0.1133% | 5,301 |
| Net loans and leases to total assets | 72.0697% | 1,969 |
| Net loans and leases to deposits | 81.2248% | 2,640 |
| Net loans and leases to core deposits | 86.6994% | 2,686 |
| Total domestic deposits to total assets | 88.7287% | 1,282 |
| Equity capital to assets | 9.5542% | 4,592 |
| Core capital (leverage) ratio | 9.2632% | 4,603 |
| Tier 1 risk-based capital ratio | 14.1742% | 3,830 |
| Total risk-based capital ratio | 14.5182% | 4,300 |
| Memoranda: | ||
| Average total assets | $319,216,330 | 2,080 |
| Average earning assets | $293,447,670 | 2,085 |
| Average equity | $30,249,330 | 2,325 |
| Average total loans | $220,980,000 | 1,935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,527 |
| Cost of funding earning assets | 0.4957% | 2,330 |
| Net interest margin | 3.9806% | 1,620 |
| Noninterest income to average assets | 0.8938% | 1,403 |
| Noninterest expense to average assets | 3.3388% | 1,624 |
| Loan and lease loss provision to assets | 0.0563% | 2,809 |
| Net operating income to assets | 0.7273% | 3,658 |
| Return on assets (ROA) | 0.7273% | 3,796 |
| Pretax return on assets | 1.1380% | 2,915 |
| Return on Equity (ROE) | 7.7072% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.7072% | 1,681 |
| Net charge-offs to loans | -0.0518% | 5,535 |
| Credit loss provision to net charge-offs | -160.7143% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6537% | 2,871 |
| Assets per employee ($millions) | 2.9423% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3098% | 6,289 |
| Loan loss allowance to noncurrent loans | 488.5714% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,886 |
| Noncurrent loans to loans | 0.0634% | 5,519 |
| Net loans and leases to total assets | 66.1938% | 2,737 |
| Net loans and leases to deposits | 74.0015% | 3,314 |
| Net loans and leases to core deposits | 81.0921% | 3,048 |
| Total domestic deposits to total assets | 89.4492% | 1,020 |
| Equity capital to assets | 9.1615% | 5,129 |
| Core capital (leverage) ratio | 9.5412% | 4,212 |
| Tier 1 risk-based capital ratio | 14.8507% | 3,509 |
| Total risk-based capital ratio | 15.1909% | 3,983 |
| Memoranda: | ||
| Average total assets | $319,517,000 | 2,091 |
| Average earning assets | $292,115,500 | 2,101 |
| Average equity | $30,153,500 | 2,336 |
| Average total loans | $216,294,500 | 1,968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,406 |
| Cost of funding earning assets | 0.5921% | 1,832 |
| Net interest margin | 4.0636% | 1,699 |
| Noninterest income to average assets | 1.0370% | 1,139 |
| Noninterest expense to average assets | 3.3463% | 1,808 |
| Loan and lease loss provision to assets | 0.1553% | 1,691 |
| Net operating income to assets | 0.8564% | 3,082 |
| Return on assets (ROA) | 0.8564% | 3,183 |
| Pretax return on assets | 1.3381% | 2,113 |
| Return on Equity (ROE) | 8.5854% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.1840% | 960 |
| Net charge-offs to loans | 0.0618% | 3,607 |
| Credit loss provision to net charge-offs | 345.4545% | 763 |
| Earnings coverage of net charge-offs (x) | 33.2273% | 1,244 |
| Efficiency ratio | 69.1431% | 3,680 |
| Assets per employee ($millions) | 2.8124% | 5,916 |
| Cash dividends to net income (ytd only)* | 4.6756% | 4,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2884% | 6,390 |
| Loan loss allowance to noncurrent loans | 1,222.0000% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 5,034 |
| Noncurrent loans to loans | 0.0236% | 5,793 |
| Net loans and leases to total assets | 68.8991% | 2,413 |
| Net loans and leases to deposits | 77.9823% | 2,977 |
| Net loans and leases to core deposits | 85.0552% | 2,778 |
| Total domestic deposits to total assets | 88.3522% | 1,594 |
| Equity capital to assets | 9.6113% | 4,574 |
| Core capital (leverage) ratio | 11.9886% | 1,626 |
| Tier 1 risk-based capital ratio | 13.6699% | 4,312 |
| Total risk-based capital ratio | 13.9614% | 4,823 |
| Memoranda: | ||
| Average total assets | $244,746,400 | 2,577 |
| Average earning assets | $229,034,600 | 2,528 |
| Average equity | $24,413,600 | 2,721 |
| Average total loans | $177,950,200 | 2,252 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 1,074 |
| Cost of funding earning assets | 0.6346% | 1,564 |
| Net interest margin | 4.1850% | 1,336 |
| Noninterest income to average assets | 0.9589% | 1,342 |
| Noninterest expense to average assets | 3.3993% | 1,671 |
| Loan and lease loss provision to assets | 0.1018% | 2,333 |
| Net operating income to assets | 0.8664% | 3,093 |
| Return on assets (ROA) | 0.8664% | 3,178 |
| Pretax return on assets | 1.3961% | 2,023 |
| Return on Equity (ROE) | 8.5811% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.0167% | 1,353 |
| Net charge-offs to loans | 0.0165% | 4,209 |
| Credit loss provision to net charge-offs | 833.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 122.6636% | 485 |
| Efficiency ratio | 69.4134% | 3,609 |
| Assets per employee ($millions) | 3.0645% | 5,659 |
| Cash dividends to net income (ytd only)* | 6.5770% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2883% | 6,471 |
| Loan loss allowance to noncurrent loans | 485.2941% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 4,574 |
| Noncurrent loans to loans | 0.0594% | 5,778 |
| Net loans and leases to total assets | 72.5413% | 1,757 |
| Net loans and leases to deposits | 83.2650% | 2,259 |
| Net loans and leases to core deposits | 91.9923% | 2,036 |
| Total domestic deposits to total assets | 87.1210% | 2,250 |
| Equity capital to assets | 10.1214% | 4,027 |
| Core capital (leverage) ratio | 10.1051% | 3,525 |
| Tier 1 risk-based capital ratio | 14.6865% | 3,762 |
| Total risk-based capital ratio | 15.0017% | 4,320 |
| Memoranda: | ||
| Average total assets | $229,293,750 | 2,725 |
| Average earning assets | $215,780,750 | 2,670 |
| Average equity | $23,151,000 | 2,840 |
| Average total loans | $169,481,250 | 2,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 983 |
| Cost of funding earning assets | 0.6419% | 1,577 |
| Net interest margin | 4.2123% | 1,211 |
| Noninterest income to average assets | 0.9143% | 1,448 |
| Noninterest expense to average assets | 3.3655% | 1,770 |
| Loan and lease loss provision to assets | 0.1145% | 2,123 |
| Net operating income to assets | 0.8596% | 3,015 |
| Return on assets (ROA) | 0.8596% | 3,116 |
| Pretax return on assets | 1.3934% | 1,912 |
| Return on Equity (ROE) | 8.5214% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.6658% | 1,450 |
| Net charge-offs to loans | -0.0296% | 5,680 |
| Credit loss provision to net charge-offs | -520.0000% | 5,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0584% | 3,825 |
| Assets per employee ($millions) | 3.0484% | 5,688 |
| Cash dividends to net income (ytd only)* | 10.0410% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2936% | 6,538 |
| Loan loss allowance to noncurrent loans | 190.0383% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 3,197 |
| Noncurrent loans to loans | 0.1545% | 5,550 |
| Net loans and leases to total assets | 70.8287% | 1,941 |
| Net loans and leases to deposits | 81.4335% | 2,324 |
| Net loans and leases to core deposits | 91.1914% | 2,010 |
| Total domestic deposits to total assets | 86.9773% | 2,465 |
| Equity capital to assets | 9.8285% | 4,313 |
| Core capital (leverage) ratio | 9.8048% | 3,878 |
| Tier 1 risk-based capital ratio | 14.3359% | 4,039 |
| Total risk-based capital ratio | 14.6485% | 4,599 |
| Memoranda: | ||
| Average total assets | $227,070,000 | 2,757 |
| Average earning assets | $213,421,000 | 2,702 |
| Average equity | $22,907,000 | 2,858 |
| Average total loans | $168,752,670 | 2,346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 985 |
| Cost of funding earning assets | 0.6582% | 1,532 |
| Net interest margin | 4.1735% | 1,283 |
| Noninterest income to average assets | 1.0013% | 1,127 |
| Noninterest expense to average assets | 3.3304% | 1,876 |
| Loan and lease loss provision to assets | 0.0812% | 2,533 |
| Net operating income to assets | 0.9273% | 2,515 |
| Return on assets (ROA) | 0.9273% | 2,589 |
| Pretax return on assets | 1.5136% | 1,394 |
| Return on Equity (ROE) | 9.0671% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.3383% | 1,887 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6190% | 4,246 |
| Assets per employee ($millions) | 3.3187% | 5,314 |
| Cash dividends to net income (ytd only)* | 19.0661% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2282% | 6,630 |
| Loan loss allowance to noncurrent loans | 24.8072% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 2,939 |
| Noncurrent loans to loans | 0.9200% | 3,580 |
| Net loans and leases to total assets | 73.6923% | 1,313 |
| Net loans and leases to deposits | 84.9341% | 1,732 |
| Net loans and leases to core deposits | 95.2604% | 1,448 |
| Total domestic deposits to total assets | 86.7641% | 2,959 |
| Equity capital to assets | 9.9948% | 3,850 |
| Core capital (leverage) ratio | 10.0851% | 3,446 |
| Tier 1 risk-based capital ratio | 13.9568% | 4,360 |
| Total risk-based capital ratio | 14.1988% | 4,971 |
| Memoranda: | ||
| Average total assets | $221,716,000 | 2,813 |
| Average earning assets | $208,460,000 | 2,764 |
| Average equity | $22,675,500 | 2,869 |
| Average total loans | $168,673,500 | 2,357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 5,114 |
| Cost of funding earning assets | 0.5763% | 2,873 |
| Net interest margin | 3.1299% | 5,225 |
| Noninterest income to average assets | 0.8906% | 1,713 |
| Noninterest expense to average assets | 2.5542% | 4,602 |
| Loan and lease loss provision to assets | 0.0763% | 3,581 |
| Net operating income to assets | 0.7559% | 3,514 |
| Return on assets (ROA) | 0.7559% | 3,605 |
| Pretax return on assets | 1.2026% | 2,570 |
| Return on Equity (ROE) | 7.4089% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.1105% | 4,023 |
| Net charge-offs to loans | 0.1747% | 3,084 |
| Credit loss provision to net charge-offs | 59.2334% | 3,589 |
| Earnings coverage of net charge-offs (x) | 9.9268% | 2,448 |
| Efficiency ratio | 66.6354% | 4,448 |
| Assets per employee ($millions) | 3.1079% | 5,657 |
| Cash dividends to net income (ytd only)* | 58.0166% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 6,712 |
| Loan loss allowance to noncurrent loans | 17.6227% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 2,607 |
| Noncurrent loans to loans | 1.1503% | 3,237 |
| Net loans and leases to total assets | 78.2832% | 788 |
| Net loans and leases to deposits | 91.8071% | 1,077 |
| Net loans and leases to core deposits | 102.6734% | 993 |
| Total domestic deposits to total assets | 85.2692% | 3,613 |
| Equity capital to assets | 10.4756% | 3,195 |
| Core capital (leverage) ratio | 10.2371% | 3,239 |
| Tier 1 risk-based capital ratio | 13.8297% | 4,411 |
| Total risk-based capital ratio | 14.0459% | 5,064 |
| Memoranda: | ||
| Average total assets | $222,766,400 | 2,784 |
| Average earning assets | $209,428,600 | 2,728 |
| Average equity | $22,729,400 | 2,855 |
| Average total loans | $164,238,800 | 2,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 6,079 |
| Cost of funding earning assets | 0.5156% | 3,617 |
| Net interest margin | 2.7697% | 6,062 |
| Noninterest income to average assets | 0.8646% | 1,878 |
| Noninterest expense to average assets | 2.2598% | 5,457 |
| Loan and lease loss provision to assets | 0.0741% | 3,572 |
| Net operating income to assets | 1.1361% | 1,865 |
| Return on assets (ROA) | 1.1361% | 1,938 |
| Pretax return on assets | 1.1361% | 2,962 |
| Return on Equity (ROE) | 11.2065% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.2065% | 535 |
| Net charge-offs to loans | -0.0057% | 5,797 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1230% | 4,628 |
| Assets per employee ($millions) | 3.2181% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0805% | 6,817 |
| Loan loss allowance to noncurrent loans | 4.2335% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7880% | 2,292 |
| Noncurrent loans to loans | 1.9008% | 2,368 |
| Net loans and leases to total assets | 76.0192% | 1,003 |
| Net loans and leases to deposits | 89.4522% | 1,222 |
| Net loans and leases to core deposits | 99.5681% | 1,151 |
| Total domestic deposits to total assets | 84.9831% | 3,759 |
| Equity capital to assets | 10.9698% | 2,782 |
| Core capital (leverage) ratio | 10.6277% | 2,862 |
| Tier 1 risk-based capital ratio | 12.2831% | 5,583 |
| Total risk-based capital ratio | 12.3543% | 6,197 |
| Memoranda: | ||
| Average total assets | $224,847,500 | 2,788 |
| Average earning assets | $211,523,250 | 2,716 |
| Average equity | $22,795,750 | 2,873 |
| Average total loans | $163,245,250 | 2,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4239% | 6,758 |
| Cost of funding earning assets | 0.3891% | 5,041 |
| Net interest margin | 2.0348% | 6,750 |
| Noninterest income to average assets | 0.8196% | 2,109 |
| Noninterest expense to average assets | 1.6742% | 6,529 |
| Loan and lease loss provision to assets | 0.0702% | 3,632 |
| Net operating income to assets | 0.9933% | 2,355 |
| Return on assets (ROA) | 0.9933% | 2,496 |
| Pretax return on assets | 0.9933% | 3,535 |
| Return on Equity (ROE) | 10.0576% | 2,176 |
| Retained earnings to average equity (ytd only) | 10.0576% | 831 |
| Net charge-offs to loans | -0.0098% | 5,765 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1538% | 5,301 |
| Assets per employee ($millions) | 3.4110% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0536% | 6,872 |
| Loan loss allowance to noncurrent loans | 6.0815% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 4,359 |
| Noncurrent loans to loans | 0.8808% | 4,161 |
| Net loans and leases to total assets | 70.7863% | 1,752 |
| Net loans and leases to deposits | 82.5288% | 1,986 |
| Net loans and leases to core deposits | 92.4627% | 1,659 |
| Total domestic deposits to total assets | 85.7717% | 3,492 |
| Equity capital to assets | 9.8687% | 4,099 |
| Core capital (leverage) ratio | 10.1938% | 3,244 |
| Tier 1 risk-based capital ratio | 14.2999% | 4,227 |
| Total risk-based capital ratio | 14.3566% | 5,008 |
| Memoranda: | ||
| Average total assets | $227,926,670 | 2,770 |
| Average earning assets | $214,858,000 | 2,693 |
| Average equity | $22,510,330 | 2,929 |
| Average total loans | $162,981,330 | 2,401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 964 |
| Cost of funding earning assets | 0.7853% | 1,614 |
| Net interest margin | 4.1763% | 1,253 |
| Noninterest income to average assets | 0.9065% | 1,739 |
| Noninterest expense to average assets | 3.2047% | 2,339 |
| Loan and lease loss provision to assets | 0.2656% | 1,338 |
| Net operating income to assets | 0.8410% | 2,944 |
| Return on assets (ROA) | 0.8410% | 3,087 |
| Pretax return on assets | 1.3722% | 1,957 |
| Return on Equity (ROE) | 8.5124% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.5124% | 1,558 |
| Net charge-offs to loans | -0.1700% | 6,643 |
| Credit loss provision to net charge-offs | -217.3913% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1792% | 4,634 |
| Assets per employee ($millions) | 3.5276% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2975% | 6,893 |
| Loan loss allowance to noncurrent loans | 59.4096% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,706 |
| Noncurrent loans to loans | 0.5008% | 5,175 |
| Net loans and leases to total assets | 69.5242% | 1,750 |
| Net loans and leases to deposits | 80.8539% | 1,967 |
| Net loans and leases to core deposits | 89.4782% | 1,757 |
| Total domestic deposits to total assets | 85.9875% | 3,530 |
| Equity capital to assets | 9.6886% | 4,579 |
| Core capital (leverage) ratio | 10.0971% | 3,277 |
| Tier 1 risk-based capital ratio | 14.2095% | 4,355 |
| Total risk-based capital ratio | 14.5225% | 4,984 |
| Memoranda: | ||
| Average total assets | $225,917,000 | 2,814 |
| Average earning assets | $212,913,500 | 2,735 |
| Average equity | $22,320,500 | 2,993 |
| Average total loans | $162,335,000 | 2,419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6329% | 7,048 |
| Cost of funding earning assets | 0.0995% | 7,000 |
| Net interest margin | 0.5334% | 7,046 |
| Noninterest income to average assets | 0.1452% | 6,309 |
| Noninterest expense to average assets | 0.3367% | 7,055 |
| Loan and lease loss provision to assets | 0.1208% | 4,106 |
| Net operating income to assets | 0.1135% | 5,988 |
| Return on assets (ROA) | 0.1130% | 6,126 |
| Pretax return on assets | 0.1897% | 6,006 |
| Return on Equity (ROE) | 1.1554% | 6,101 |
| Retained earnings to average equity (ytd only) | -6.8746% | 6,521 |
| Net charge-offs to loans | 0.0073% | 5,849 |
| Credit loss provision to net charge-offs | 2,130.7692% | 110 |
| Earnings coverage of net charge-offs (x) | 54.9231% | 639 |
| Efficiency ratio | 51.9515% | 6,468 |
| Assets per employee ($millions) | 3.3694% | 5,285 |
| Cash dividends to net income (ytd only)* | 694.9807% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1626% | 6,973 |
| Loan loss allowance to noncurrent loans | 55.6962% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 5,028 |
| Noncurrent loans to loans | 0.2920% | 5,749 |
| Net loans and leases to total assets | 73.9938% | 1,196 |
| Net loans and leases to deposits | 87.2498% | 1,358 |
| Net loans and leases to core deposits | 98.5005% | 1,111 |
| Total domestic deposits to total assets | 84.8068% | 3,940 |
| Equity capital to assets | 10.0834% | 4,055 |
| Core capital (leverage) ratio | 9.5368% | 4,058 |
| Tier 1 risk-based capital ratio | 13.7841% | 4,545 |
| Total risk-based capital ratio | 13.9539% | 5,261 |
| Memoranda: | ||
| Average total assets | $229,296,200 | 2,733 |
| Average earning assets | $216,155,800 | 2,658 |
| Average equity | $22,415,800 | 2,927 |
| Average total loans | $178,583,200 | 2,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 699 |
| Cost of funding earning assets | 0.8927% | 2,222 |
| Net interest margin | 4.5939% | 832 |
| Noninterest income to average assets | 0.5457% | 3,636 |
| Noninterest expense to average assets | 3.1989% | 2,573 |
| Loan and lease loss provision to assets | 0.2197% | 2,860 |
| Net operating income to assets | 1.4623% | 1,094 |
| Return on assets (ROA) | 1.4726% | 1,194 |
| Pretax return on assets | 1.4726% | 1,988 |
| Return on Equity (ROE) | 15.1768% | 871 |
| Retained earnings to average equity (ytd only) | 13.4819% | 349 |
| Net charge-offs to loans | 0.6840% | 1,615 |
| Credit loss provision to net charge-offs | 40.7684% | 4,599 |
| Earnings coverage of net charge-offs (x) | 3.1217% | 3,777 |
| Efficiency ratio | 65.5396% | 4,532 |
| Assets per employee ($millions) | 3.6896% | 4,569 |
| Cash dividends to net income (ytd only)* | 11.1674% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 2,773 |
| Loan loss allowance to noncurrent loans | 383.6810% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 4,772 |
| Noncurrent loans to loans | 0.4711% | 5,511 |
| Net loans and leases to total assets | 73.0815% | 1,377 |
| Net loans and leases to deposits | 85.7117% | 1,635 |
| Net loans and leases to core deposits | 96.6071% | 1,365 |
| Total domestic deposits to total assets | 85.2643% | 3,632 |
| Equity capital to assets | 10.1578% | 4,264 |
| Core capital (leverage) ratio | 10.8645% | 2,529 |
| Tier 1 risk-based capital ratio | 13.9185% | 4,590 |
| Total risk-based capital ratio | 15.1758% | 4,544 |
| Memoranda: | ||
| Average total assets | $231,867,000 | 2,732 |
| Average earning assets | $218,807,000 | 2,655 |
| Average equity | $22,498,750 | 2,939 |
| Average total loans | $182,649,000 | 2,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5483% | 647 |
| Cost of funding earning assets | 0.9154% | 2,292 |
| Net interest margin | 4.6328% | 776 |
| Noninterest income to average assets | 0.5637% | 3,497 |
| Noninterest expense to average assets | 3.1907% | 2,620 |
| Loan and lease loss provision to assets | 0.2089% | 2,988 |
| Net operating income to assets | 1.5375% | 939 |
| Return on assets (ROA) | 1.5375% | 1,053 |
| Pretax return on assets | 1.5375% | 1,757 |
| Return on Equity (ROE) | 16.0973% | 757 |
| Retained earnings to average equity (ytd only) | 13.5123% | 390 |
| Net charge-offs to loans | 0.4250% | 2,335 |
| Credit loss provision to net charge-offs | 61.2658% | 3,767 |
| Earnings coverage of net charge-offs (x) | 5.1215% | 2,902 |
| Efficiency ratio | 64.6267% | 4,779 |
| Assets per employee ($millions) | 3.3315% | 5,380 |
| Cash dividends to net income (ytd only)* | 16.0584% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,250 |
| Loan loss allowance to noncurrent loans | 130.4621% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 3,385 |
| Noncurrent loans to loans | 1.5276% | 3,613 |
| Net loans and leases to total assets | 77.7513% | 754 |
| Net loans and leases to deposits | 92.0201% | 951 |
| Net loans and leases to core deposits | 106.2203% | 731 |
| Total domestic deposits to total assets | 84.4939% | 4,105 |
| Equity capital to assets | 10.2326% | 4,019 |
| Core capital (leverage) ratio | 10.0688% | 3,327 |
| Tier 1 risk-based capital ratio | 13.4542% | 4,868 |
| Total risk-based capital ratio | 14.2690% | 5,146 |
| Memoranda: | ||
| Average total assets | $231,675,330 | 2,738 |
| Average earning assets | $218,699,330 | 2,660 |
| Average equity | $22,128,000 | 2,971 |
| Average total loans | $185,865,670 | 2,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 725 |
| Cost of funding earning assets | 0.9193% | 2,525 |
| Net interest margin | 4.6020% | 822 |
| Noninterest income to average assets | 0.5595% | 3,502 |
| Noninterest expense to average assets | 3.1080% | 2,893 |
| Loan and lease loss provision to assets | 0.1814% | 3,159 |
| Net operating income to assets | 1.6159% | 839 |
| Return on assets (ROA) | 1.6159% | 942 |
| Pretax return on assets | 1.6159% | 1,522 |
| Return on Equity (ROE) | 17.5087% | 605 |
| Retained earnings to average equity (ytd only) | 15.2122% | 434 |
| Net charge-offs to loans | 0.2775% | 2,560 |
| Credit loss provision to net charge-offs | 81.0606% | 2,705 |
| Earnings coverage of net charge-offs (x) | 8.0303% | 2,009 |
| Efficiency ratio | 63.3598% | 5,040 |
| Assets per employee ($millions) | 3.5064% | 5,106 |
| Cash dividends to net income (ytd only)* | 13.1165% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 2,462 |
| Loan loss allowance to noncurrent loans | 97.3642% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 2.0802% | 2,798 |
| Noncurrent loans to loans | 2.0203% | 3,129 |
| Net loans and leases to total assets | 76.4379% | 756 |
| Net loans and leases to deposits | 89.1974% | 1,040 |
| Net loans and leases to core deposits | 100.8650% | 933 |
| Total domestic deposits to total assets | 85.6952% | 3,690 |
| Equity capital to assets | 9.3051% | 5,088 |
| Core capital (leverage) ratio | 9.4335% | 4,147 |
| Tier 1 risk-based capital ratio | 12.2626% | 5,785 |
| Total risk-based capital ratio | 13.5219% | 5,742 |
| Memoranda: | ||
| Average total assets | $235,908,500 | 2,713 |
| Average earning assets | $222,775,000 | 2,626 |
| Average equity | $21,772,000 | 3,001 |
| Average total loans | $190,260,000 | 2,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 312 |
| Cost of funding earning assets | 1.2456% | 1,758 |
| Net interest margin | 4.9451% | 465 |
| Noninterest income to average assets | 0.5509% | 3,501 |
| Noninterest expense to average assets | 3.1379% | 3,069 |
| Loan and lease loss provision to assets | 1.2256% | 704 |
| Net operating income to assets | 0.8454% | 2,852 |
| Return on assets (ROA) | 0.8454% | 3,002 |
| Pretax return on assets | 0.8454% | 3,796 |
| Return on Equity (ROE) | 9.3738% | 2,297 |
| Retained earnings to average equity (ytd only) | 0.4028% | 5,646 |
| Net charge-offs to loans | 0.8895% | 1,953 |
| Credit loss provision to net charge-offs | 159.7520% | 1,734 |
| Earnings coverage of net charge-offs (x) | 2.6995% | 3,861 |
| Efficiency ratio | 60.2408% | 5,718 |
| Assets per employee ($millions) | 3.3340% | 5,419 |
| Cash dividends to net income (ytd only)* | 95.7033% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,591 |
| Loan loss allowance to noncurrent loans | 105.4712% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.9770% | 3,003 |
| Noncurrent loans to loans | 1.7939% | 3,477 |
| Net loans and leases to total assets | 81.8086% | 352 |
| Net loans and leases to deposits | 95.9851% | 671 |
| Net loans and leases to core deposits | 113.4022% | 524 |
| Total domestic deposits to total assets | 85.2305% | 3,729 |
| Equity capital to assets | 9.1512% | 5,354 |
| Core capital (leverage) ratio | 9.2387% | 4,411 |
| Tier 1 risk-based capital ratio | 11.4576% | 6,190 |
| Total risk-based capital ratio | 12.7164% | 6,171 |
| Memoranda: | ||
| Average total assets | $231,239,200 | 2,710 |
| Average earning assets | $217,812,000 | 2,639 |
| Average equity | $20,856,000 | 3,024 |
| Average total loans | $199,440,800 | 2,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2373% | 301 |
| Cost of funding earning assets | 1.3157% | 1,618 |
| Net interest margin | 4.9216% | 487 |
| Noninterest income to average assets | 0.4918% | 3,932 |
| Noninterest expense to average assets | 3.0919% | 3,190 |
| Loan and lease loss provision to assets | 1.5003% | 462 |
| Net operating income to assets | 0.5346% | 4,384 |
| Return on assets (ROA) | 0.5346% | 4,576 |
| Pretax return on assets | 0.5346% | 5,025 |
| Return on Equity (ROE) | 5.9491% | 4,040 |
| Retained earnings to average equity (ytd only) | -6.0842% | 6,647 |
| Net charge-offs to loans | 0.8632% | 1,838 |
| Credit loss provision to net charge-offs | 199.8460% | 1,466 |
| Earnings coverage of net charge-offs (x) | 2.7105% | 3,772 |
| Efficiency ratio | 60.3089% | 5,666 |
| Assets per employee ($millions) | 3.2256% | 5,620 |
| Cash dividends to net income (ytd only)* | 202.2703% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 2,355 |
| Loan loss allowance to noncurrent loans | 108.1999% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 2.0575% | 3,066 |
| Noncurrent loans to loans | 1.8423% | 3,576 |
| Net loans and leases to total assets | 84.1328% | 213 |
| Net loans and leases to deposits | 98.6979% | 532 |
| Net loans and leases to core deposits | 129.4110% | 254 |
| Total domestic deposits to total assets | 85.2427% | 3,651 |
| Equity capital to assets | 8.8739% | 5,890 |
| Core capital (leverage) ratio | 8.7099% | 5,396 |
| Tier 1 risk-based capital ratio | 10.8164% | 6,651 |
| Total risk-based capital ratio | 12.0496% | 6,644 |
| Memoranda: | ||
| Average total assets | $230,704,250 | 2,725 |
| Average earning assets | $217,269,500 | 2,659 |
| Average equity | $20,730,750 | 3,047 |
| Average total loans | $200,649,500 | 2,058 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2874% | 282 |
| Cost of funding earning assets | 1.3694% | 1,551 |
| Net interest margin | 4.9179% | 467 |
| Noninterest income to average assets | 0.7541% | 2,244 |
| Noninterest expense to average assets | 3.0830% | 3,320 |
| Loan and lease loss provision to assets | 2.0842% | 288 |
| Net operating income to assets | 0.2145% | 5,689 |
| Return on assets (ROA) | 0.2145% | 5,805 |
| Pretax return on assets | 0.2145% | 5,905 |
| Return on Equity (ROE) | 2.3770% | 5,654 |
| Retained earnings to average equity (ytd only) | -12.3450% | 6,950 |
| Net charge-offs to loans | 0.7327% | 2,042 |
| Credit loss provision to net charge-offs | 325.6757% | 933 |
| Earnings coverage of net charge-offs (x) | 3.5919% | 3,115 |
| Efficiency ratio | 57.2875% | 6,259 |
| Assets per employee ($millions) | 3.2012% | 5,642 |
| Cash dividends to net income (ytd only)* | 619.3548% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 2,059 |
| Loan loss allowance to noncurrent loans | 360.6723% | 887 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,628 |
| Noncurrent loans to loans | 0.5902% | 5,748 |
| Net loans and leases to total assets | 85.6196% | 155 |
| Net loans and leases to deposits | 100.7613% | 457 |
| Net loans and leases to core deposits | 133.5820% | 230 |
| Total domestic deposits to total assets | 84.9727% | 3,892 |
| Equity capital to assets | 8.6673% | 5,982 |
| Core capital (leverage) ratio | 8.5651% | 5,453 |
| Tier 1 risk-based capital ratio | 10.3895% | 6,828 |
| Total risk-based capital ratio | 11.6490% | 6,824 |
| Memoranda: | ||
| Average total assets | $231,266,000 | 2,743 |
| Average earning assets | $217,611,330 | 2,670 |
| Average equity | $20,866,670 | 3,019 |
| Average total loans | $201,999,670 | 2,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2517% | 307 |
| Cost of funding earning assets | 1.4441% | 1,415 |
| Net interest margin | 4.8076% | 564 |
| Noninterest income to average assets | 0.6976% | 2,590 |
| Noninterest expense to average assets | 2.9734% | 3,753 |
| Loan and lease loss provision to assets | 0.4023% | 2,184 |
| Net operating income to assets | 1.8458% | 447 |
| Return on assets (ROA) | 1.8458% | 472 |
| Pretax return on assets | 1.8458% | 744 |
| Return on Equity (ROE) | 20.0643% | 327 |
| Retained earnings to average equity (ytd only) | 2.5902% | 4,610 |
| Net charge-offs to loans | 0.3581% | 2,628 |
| Credit loss provision to net charge-offs | 128.7293% | 2,148 |
| Earnings coverage of net charge-offs (x) | 7.1934% | 1,986 |
| Efficiency ratio | 56.9444% | 6,389 |
| Assets per employee ($millions) | 3.3276% | 5,418 |
| Cash dividends to net income (ytd only)* | 87.0907% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,978 |
| Loan loss allowance to noncurrent loans | 164.1498% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 4,222 |
| Noncurrent loans to loans | 0.8122% | 5,409 |
| Net loans and leases to total assets | 84.9614% | 178 |
| Net loans and leases to deposits | 99.7113% | 480 |
| Net loans and leases to core deposits | 116.4217% | 517 |
| Total domestic deposits to total assets | 85.2074% | 3,943 |
| Equity capital to assets | 9.1786% | 4,906 |
| Core capital (leverage) ratio | 8.9825% | 4,641 |
| Tier 1 risk-based capital ratio | 11.1263% | 6,416 |
| Total risk-based capital ratio | 12.3779% | 6,387 |
| Memoranda: | ||
| Average total assets | $231,655,500 | 2,761 |
| Average earning assets | $217,988,000 | 2,690 |
| Average equity | $21,311,500 | 2,944 |
| Average total loans | $202,182,500 | 2,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4590% | 340 |
| Cost of funding earning assets | 1.7048% | 1,582 |
| Net interest margin | 4.7543% | 725 |
| Noninterest income to average assets | 0.7975% | 2,300 |
| Noninterest expense to average assets | 3.1021% | 3,447 |
| Loan and lease loss provision to assets | 0.6243% | 2,639 |
| Net operating income to assets | 1.5564% | 678 |
| Return on assets (ROA) | 1.5564% | 738 |
| Pretax return on assets | 1.5564% | 1,225 |
| Return on Equity (ROE) | 16.5762% | 517 |
| Retained earnings to average equity (ytd only) | 3.3105% | 3,550 |
| Net charge-offs to loans | 0.5000% | 3,618 |
| Credit loss provision to net charge-offs | 144.0574% | 2,586 |
| Earnings coverage of net charge-offs (x) | 5.0318% | 2,730 |
| Efficiency ratio | 58.7207% | 6,243 |
| Assets per employee ($millions) | 3.3388% | 5,337 |
| Cash dividends to net income (ytd only)* | 80.0285% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 5,070 |
| Loan loss allowance to noncurrent loans | 167.1128% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 4,081 |
| Noncurrent loans to loans | 0.7699% | 5,508 |
| Net loans and leases to total assets | 87.3199% | 122 |
| Net loans and leases to deposits | 102.7857% | 449 |
| Net loans and leases to core deposits | 115.5105% | 660 |
| Total domestic deposits to total assets | 84.9534% | 3,874 |
| Equity capital to assets | 9.2210% | 4,804 |
| Core capital (leverage) ratio | 9.2175% | 4,144 |
| Tier 1 risk-based capital ratio | 10.9680% | 6,347 |
| Total risk-based capital ratio | 12.2191% | 6,323 |
| Memoranda: | ||
| Average total assets | $225,201,200 | 2,812 |
| Average earning assets | $212,461,600 | 2,723 |
| Average equity | $21,144,800 | 2,986 |
| Average total loans | $195,190,600 | 2,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4659% | 365 |
| Cost of funding earning assets | 1.7391% | 1,679 |
| Net interest margin | 4.7268% | 791 |
| Noninterest income to average assets | 0.8396% | 2,031 |
| Noninterest expense to average assets | 2.9702% | 3,857 |
| Loan and lease loss provision to assets | 0.4615% | 3,167 |
| Net operating income to assets | 1.8716% | 435 |
| Return on assets (ROA) | 1.8716% | 481 |
| Pretax return on assets | 1.8716% | 809 |
| Return on Equity (ROE) | 19.8414% | 316 |
| Retained earnings to average equity (ytd only) | 6.4265% | 2,125 |
| Net charge-offs to loans | 0.4855% | 3,330 |
| Credit loss provision to net charge-offs | 110.2418% | 3,839 |
| Earnings coverage of net charge-offs (x) | 5.5733% | 2,718 |
| Efficiency ratio | 56.0072% | 6,558 |
| Assets per employee ($millions) | 3.3148% | 5,416 |
| Cash dividends to net income (ytd only)* | 67.6105% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,684 |
| Loan loss allowance to noncurrent loans | 117.9167% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 3,753 |
| Noncurrent loans to loans | 0.9805% | 5,272 |
| Net loans and leases to total assets | 84.6246% | 290 |
| Net loans and leases to deposits | 100.2356% | 646 |
| Net loans and leases to core deposits | 113.3856% | 868 |
| Total domestic deposits to total assets | 84.4257% | 3,906 |
| Equity capital to assets | 9.4267% | 4,951 |
| Core capital (leverage) ratio | 9.6268% | 3,720 |
| Tier 1 risk-based capital ratio | 11.5576% | 5,875 |
| Total risk-based capital ratio | 12.7712% | 5,899 |
| Memoranda: | ||
| Average total assets | $223,907,250 | 2,861 |
| Average earning assets | $211,441,000 | 2,775 |
| Average equity | $21,120,250 | 3,032 |
| Average total loans | $193,041,500 | 2,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4035% | 411 |
| Cost of funding earning assets | 1.7692% | 1,775 |
| Net interest margin | 4.6343% | 923 |
| Noninterest income to average assets | 0.8268% | 1,987 |
| Noninterest expense to average assets | 2.8952% | 4,096 |
| Loan and lease loss provision to assets | 0.3716% | 3,482 |
| Net operating income to assets | 1.9505% | 362 |
| Return on assets (ROA) | 1.9505% | 399 |
| Pretax return on assets | 1.9505% | 665 |
| Return on Equity (ROE) | 20.6739% | 276 |
| Retained earnings to average equity (ytd only) | 7.5620% | 1,618 |
| Net charge-offs to loans | 0.2613% | 4,037 |
| Credit loss provision to net charge-offs | 164.5418% | 2,393 |
| Earnings coverage of net charge-offs (x) | 10.2829% | 1,912 |
| Efficiency ratio | 55.4923% | 6,703 |
| Assets per employee ($millions) | 3.3809% | 5,238 |
| Cash dividends to net income (ytd only)* | 63.4225% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 5,331 |
| Loan loss allowance to noncurrent loans | 71.5719% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 3,458 |
| Noncurrent loans to loans | 1.7102% | 4,120 |
| Net loans and leases to total assets | 82.6271% | 476 |
| Net loans and leases to deposits | 97.8529% | 888 |
| Net loans and leases to core deposits | 109.8220% | 1,174 |
| Total domestic deposits to total assets | 84.4401% | 3,898 |
| Equity capital to assets | 9.2811% | 5,029 |
| Core capital (leverage) ratio | 9.6075% | 3,668 |
| Tier 1 risk-based capital ratio | 11.7069% | 5,579 |
| Total risk-based capital ratio | 12.9573% | 5,537 |
| Memoranda: | ||
| Average total assets | $222,302,000 | 2,904 |
| Average earning assets | $210,605,000 | 2,810 |
| Average equity | $20,973,330 | 3,049 |
| Average total loans | $192,115,330 | 2,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4548% | 395 |
| Cost of funding earning assets | 1.8073% | 1,846 |
| Net interest margin | 4.6474% | 874 |
| Noninterest income to average assets | 0.8366% | 1,856 |
| Noninterest expense to average assets | 2.8961% | 4,075 |
| Loan and lease loss provision to assets | 0.3387% | 3,357 |
| Net operating income to assets | 2.0174% | 335 |
| Return on assets (ROA) | 2.0174% | 366 |
| Pretax return on assets | 2.0174% | 585 |
| Return on Equity (ROE) | 21.2010% | 316 |
| Retained earnings to average equity (ytd only) | 9.5616% | 1,255 |
| Net charge-offs to loans | 0.0729% | 4,687 |
| Credit loss provision to net charge-offs | 528.5714% | 801 |
| Earnings coverage of net charge-offs (x) | 36.7714% | 742 |
| Efficiency ratio | 55.1412% | 6,870 |
| Assets per employee ($millions) | 3.1395% | 5,902 |
| Cash dividends to net income (ytd only)* | 54.9002% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,393 |
| Loan loss allowance to noncurrent loans | 75.3055% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 3,658 |
| Noncurrent loans to loans | 1.6205% | 4,318 |
| Net loans and leases to total assets | 86.2595% | 200 |
| Net loans and leases to deposits | 103.0927% | 583 |
| Net loans and leases to core deposits | 117.8428% | 875 |
| Total domestic deposits to total assets | 83.6717% | 4,317 |
| Equity capital to assets | 9.5738% | 4,417 |
| Core capital (leverage) ratio | 9.6785% | 3,547 |
| Tier 1 risk-based capital ratio | 11.8126% | 5,379 |
| Total risk-based capital ratio | 13.0623% | 5,325 |
| Memoranda: | ||
| Average total assets | $218,504,000 | 3,008 |
| Average earning assets | $207,599,000 | 2,907 |
| Average equity | $20,791,500 | 3,087 |
| Average total loans | $192,017,000 | 2,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8798% | 331 |
| Cost of funding earning assets | 2.1405% | 2,274 |
| Net interest margin | 4.7393% | 780 |
| Noninterest income to average assets | 0.7806% | 2,506 |
| Noninterest expense to average assets | 3.1005% | 3,742 |
| Loan and lease loss provision to assets | 0.5182% | 3,780 |
| Net operating income to assets | 1.6900% | 455 |
| Return on assets (ROA) | 1.6900% | 481 |
| Pretax return on assets | 1.6900% | 798 |
| Return on Equity (ROE) | 18.1906% | 350 |
| Retained earnings to average equity (ytd only) | 5.5979% | 1,525 |
| Net charge-offs to loans | 0.5496% | 3,586 |
| Credit loss provision to net charge-offs | 107.5743% | 5,151 |
| Earnings coverage of net charge-offs (x) | 4.5839% | 2,895 |
| Efficiency ratio | 58.4044% | 6,706 |
| Assets per employee ($millions) | 3.1947% | 5,734 |
| Cash dividends to net income (ytd only)* | 69.2266% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,685 |
| Loan loss allowance to noncurrent loans | 108.0868% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4532% | 4,240 |
| Noncurrent loans to loans | 1.0556% | 5,209 |
| Net loans and leases to total assets | 87.4283% | 201 |
| Net loans and leases to deposits | 104.6285% | 619 |
| Net loans and leases to core deposits | 143.6977% | 686 |
| Total domestic deposits to total assets | 83.5607% | 4,253 |
| Equity capital to assets | 9.4563% | 4,481 |
| Core capital (leverage) ratio | 9.3999% | 3,831 |
| Tier 1 risk-based capital ratio | 11.5846% | 5,308 |
| Total risk-based capital ratio | 12.8207% | 5,279 |
| Memoranda: | ||
| Average total assets | $216,510,600 | 2,992 |
| Average earning assets | $206,865,400 | 2,874 |
| Average equity | $20,114,800 | 3,178 |
| Average total loans | $189,767,400 | 2,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9186% | 343 |
| Cost of funding earning assets | 2.2222% | 2,303 |
| Net interest margin | 4.6964% | 831 |
| Noninterest income to average assets | 0.7427% | 2,749 |
| Noninterest expense to average assets | 2.9325% | 4,303 |
| Loan and lease loss provision to assets | 0.5029% | 3,378 |
| Net operating income to assets | 1.7997% | 441 |
| Return on assets (ROA) | 1.7997% | 473 |
| Pretax return on assets | 1.7997% | 800 |
| Return on Equity (ROE) | 19.4587% | 342 |
| Retained earnings to average equity (ytd only) | 7.0771% | 1,473 |
| Net charge-offs to loans | 0.5138% | 3,157 |
| Credit loss provision to net charge-offs | 111.9342% | 4,535 |
| Earnings coverage of net charge-offs (x) | 5.1248% | 2,916 |
| Efficiency ratio | 56.0160% | 6,998 |
| Assets per employee ($millions) | 3.1691% | 5,731 |
| Cash dividends to net income (ytd only)* | 63.6300% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,468 |
| Loan loss allowance to noncurrent loans | 83.7139% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 3,929 |
| Noncurrent loans to loans | 1.3639% | 4,647 |
| Net loans and leases to total assets | 84.6534% | 470 |
| Net loans and leases to deposits | 100.9412% | 1,020 |
| Net loans and leases to core deposits | 135.9882% | 1,098 |
| Total domestic deposits to total assets | 83.8641% | 3,789 |
| Equity capital to assets | 9.0979% | 5,343 |
| Core capital (leverage) ratio | 9.2553% | 4,255 |
| Tier 1 risk-based capital ratio | 11.4712% | 5,460 |
| Total risk-based capital ratio | 12.7034% | 5,420 |
| Memoranda: | ||
| Average total assets | $216,327,750 | 3,005 |
| Average earning assets | $206,934,000 | 2,896 |
| Average equity | $20,007,750 | 3,229 |
| Average total loans | $189,178,500 | 2,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9707% | 336 |
| Cost of funding earning assets | 2.2844% | 2,423 |
| Net interest margin | 4.6863% | 817 |
| Noninterest income to average assets | 0.7899% | 2,463 |
| Noninterest expense to average assets | 2.9424% | 4,323 |
| Loan and lease loss provision to assets | 0.4985% | 3,045 |
| Net operating income to assets | 1.8319% | 429 |
| Return on assets (ROA) | 1.8319% | 469 |
| Pretax return on assets | 1.8319% | 801 |
| Return on Equity (ROE) | 19.6944% | 354 |
| Retained earnings to average equity (ytd only) | 7.1222% | 1,536 |
| Net charge-offs to loans | 0.5372% | 2,720 |
| Credit loss provision to net charge-offs | 105.3465% | 4,364 |
| Earnings coverage of net charge-offs (x) | 4.9248% | 2,955 |
| Efficiency ratio | 55.8024% | 7,139 |
| Assets per employee ($millions) | 3.1860% | 5,620 |
| Cash dividends to net income (ytd only)* | 63.8363% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,507 |
| Loan loss allowance to noncurrent loans | 78.7054% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 3,856 |
| Noncurrent loans to loans | 1.4140% | 4,384 |
| Net loans and leases to total assets | 87.7665% | 250 |
| Net loans and leases to deposits | 105.3137% | 809 |
| Net loans and leases to core deposits | 141.0534% | 969 |
| Total domestic deposits to total assets | 83.3382% | 4,094 |
| Equity capital to assets | 9.2896% | 4,895 |
| Core capital (leverage) ratio | 9.2139% | 4,287 |
| Tier 1 risk-based capital ratio | 11.3246% | 5,568 |
| Total risk-based capital ratio | 12.5286% | 5,521 |
| Memoranda: | ||
| Average total assets | $213,434,670 | 3,067 |
| Average earning assets | $204,168,670 | 2,948 |
| Average equity | $19,853,330 | 3,264 |
| Average total loans | $188,012,670 | 2,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9014% | 405 |
| Cost of funding earning assets | 2.3334% | 2,561 |
| Net interest margin | 4.5680% | 998 |
| Noninterest income to average assets | 0.8214% | 2,222 |
| Noninterest expense to average assets | 2.8042% | 4,543 |
| Loan and lease loss provision to assets | 0.3456% | 3,249 |
| Net operating income to assets | 2.0413% | 329 |
| Return on assets (ROA) | 2.0413% | 372 |
| Pretax return on assets | 2.0413% | 618 |
| Return on Equity (ROE) | 21.9303% | 311 |
| Retained earnings to average equity (ytd only) | 11.9897% | 785 |
| Net charge-offs to loans | 0.7876% | 1,637 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 3.4536% | 3,175 |
| Efficiency ratio | 54.0196% | 7,216 |
| Assets per employee ($millions) | 3.1465% | 5,748 |
| Cash dividends to net income (ytd only)* | 45.3284% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 5,893 |
| Loan loss allowance to noncurrent loans | 59.6356% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.7092% | 3,355 |
| Noncurrent loans to loans | 1.7369% | 3,658 |
| Net loans and leases to total assets | 86.2257% | 415 |
| Net loans and leases to deposits | 103.8643% | 1,016 |
| Net loans and leases to core deposits | 142.3498% | 994 |
| Total domestic deposits to total assets | 83.0176% | 4,136 |
| Equity capital to assets | 9.3530% | 4,860 |
| Core capital (leverage) ratio | 9.4938% | 3,996 |
| Tier 1 risk-based capital ratio | 11.6516% | 5,252 |
| Total risk-based capital ratio | 12.7758% | 5,278 |
| Memoranda: | ||
| Average total assets | $211,826,500 | 3,094 |
| Average earning assets | $202,625,500 | 2,985 |
| Average equity | $19,717,000 | 3,301 |
| Average total loans | $185,875,500 | 2,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2472% | 663 |
| Cost of funding earning assets | 2.8881% | 2,320 |
| Net interest margin | 4.3592% | 1,796 |
| Noninterest income to average assets | 0.9186% | 1,891 |
| Noninterest expense to average assets | 2.9799% | 4,155 |
| Loan and lease loss provision to assets | 0.3107% | 3,890 |
| Net operating income to assets | 1.7817% | 571 |
| Return on assets (ROA) | 1.7889% | 541 |
| Pretax return on assets | 1.7889% | 966 |
| Return on Equity (ROE) | 19.5747% | 409 |
| Retained earnings to average equity (ytd only) | 3.3888% | 3,043 |
| Net charge-offs to loans | 0.1510% | 4,696 |
| Credit loss provision to net charge-offs | 243.4457% | 1,912 |
| Earnings coverage of net charge-offs (x) | 16.3970% | 1,845 |
| Efficiency ratio | 58.7487% | 6,567 |
| Assets per employee ($millions) | 3.1297% | 5,689 |
| Cash dividends to net income (ytd only)* | 82.6877% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 4,992 |
| Loan loss allowance to noncurrent loans | 70.3161% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 3,320 |
| Noncurrent loans to loans | 1.6214% | 3,337 |
| Net loans and leases to total assets | 87.3747% | 429 |
| Net loans and leases to deposits | 105.3323% | 1,184 |
| Net loans and leases to core deposits | 136.6498% | 1,455 |
| Total domestic deposits to total assets | 82.9515% | 3,791 |
| Equity capital to assets | 9.2622% | 4,987 |
| Core capital (leverage) ratio | 9.4463% | 4,095 |
| Tier 1 risk-based capital ratio | 11.4664% | 5,268 |
| Total risk-based capital ratio | 12.7141% | 5,171 |
| Memoranda: | ||
| Average total assets | $209,236,000 | 3,012 |
| Average earning assets | $199,373,000 | 2,898 |
| Average equity | $19,121,600 | 3,377 |
| Average total loans | $176,781,600 | 2,538 |