Home > HomeBank Texas > Performance and Condition Ratios
HomeBank Texas, 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 | 6.3059% | 812 |
| Cost of funding earning assets | 2.0226% | 1,883 |
| Net interest margin | 4.2833% | 857 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 2.4266% | 2,508 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.7635% | 676 |
| Return on assets (ROA) | 1.7635% | 675 |
| Pretax return on assets | 1.7635% | 1,010 |
| Return on Equity (ROE) | 15.8600% | 927 |
| Retained earnings to average equity (ytd only) | 8.9160% | 1,447 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.9777% | 3,304 |
| Assets per employee ($millions) | 8.6472% | 1,242 |
| Cash dividends to net income (ytd only)* | 43.7662% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,096 |
| Loan loss allowance to noncurrent loans | 122.1550% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 727 |
| Noncurrent loans to loans | 1.2044% | 879 |
| Net loans and leases to total assets | 80.0900% | 588 |
| Net loans and leases to deposits | 92.1261% | 915 |
| Net loans and leases to core deposits | 112.1263% | 788 |
| Total domestic deposits to total assets | 86.9400% | 1,944 |
| Equity capital to assets | 11.0785% | 1,622 |
| Core capital (leverage) ratio | 11.8770% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8599% | 1,096 |
| Memoranda: | ||
| Average total assets | $349,298,000 | 2,266 |
| Average earning assets | $331,056,000 | 2,233 |
| Average equity | $38,851,500 | 2,074 |
| Average total loans | $280,689,000 | 1,961 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2994% | 913 |
| Cost of funding earning assets | 1.9172% | 2,417 |
| Net interest margin | 4.3822% | 752 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.3152% | 2,828 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.9254% | 443 |
| Return on assets (ROA) | 1.9254% | 446 |
| Pretax return on assets | 1.9254% | 671 |
| Return on Equity (ROE) | 17.4400% | 618 |
| Retained earnings to average equity (ytd only) | 11.1578% | 410 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.8018% | 3,813 |
| Assets per employee ($millions) | 8.3918% | 1,320 |
| Cash dividends to net income (ytd only)* | 36.0218% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 927 |
| Loan loss allowance to noncurrent loans | 262.3980% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,514 |
| Noncurrent loans to loans | 0.5831% | 1,630 |
| Net loans and leases to total assets | 78.1800% | 878 |
| Net loans and leases to deposits | 90.1111% | 1,203 |
| Net loans and leases to core deposits | 110.7837% | 900 |
| Total domestic deposits to total assets | 86.7600% | 1,949 |
| Equity capital to assets | 11.1683% | 1,518 |
| Core capital (leverage) ratio | 11.7642% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7262% | 929 |
| Memoranda: | ||
| Average total assets | $332,926,200 | 2,307 |
| Average earning assets | $315,504,000 | 2,274 |
| Average equity | $36,754,400 | 2,103 |
| Average total loans | $272,679,000 | 1,960 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2600% | 939 |
| Cost of funding earning assets | 1.8799% | 2,518 |
| Net interest margin | 4.3801% | 736 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.2075% | 3,065 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 2.0314% | 408 |
| Return on assets (ROA) | 2.0314% | 414 |
| Pretax return on assets | 2.0314% | 617 |
| Return on Equity (ROE) | 18.4600% | 533 |
| Retained earnings to average equity (ytd only) | 13.0517% | 385 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.3500% | 3,968 |
| Assets per employee ($millions) | 8.7453% | 1,161 |
| Cash dividends to net income (ytd only)* | 29.2843% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,058 |
| Loan loss allowance to noncurrent loans | 797.6424% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,709 |
| Noncurrent loans to loans | 0.1875% | 2,791 |
| Net loans and leases to total assets | 78.3900% | 834 |
| Net loans and leases to deposits | 90.5148% | 1,199 |
| Net loans and leases to core deposits | 110.6385% | 916 |
| Total domestic deposits to total assets | 86.6100% | 1,725 |
| Equity capital to assets | 11.2374% | 1,609 |
| Core capital (leverage) ratio | 11.9675% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8595% | 944 |
| Memoranda: | ||
| Average total assets | $330,142,250 | 2,309 |
| Average earning assets | $312,771,750 | 2,284 |
| Average equity | $36,336,500 | 2,117 |
| Average total loans | $272,554,750 | 1,956 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1936% | 921 |
| Cost of funding earning assets | 1.8486% | 2,506 |
| Net interest margin | 4.3450% | 744 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.2113% | 3,043 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.9939% | 436 |
| Return on assets (ROA) | 1.9939% | 436 |
| Pretax return on assets | 1.9939% | 647 |
| Return on Equity (ROE) | 18.2500% | 590 |
| Retained earnings to average equity (ytd only) | 12.9398% | 453 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.8093% | 3,962 |
| Assets per employee ($millions) | 8.6138% | 1,152 |
| Cash dividends to net income (ytd only)* | 29.0937% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,306 |
| Loan loss allowance to noncurrent loans | 266.3962% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 1,443 |
| Noncurrent loans to loans | 0.5330% | 1,676 |
| Net loans and leases to total assets | 83.5700% | 322 |
| Net loans and leases to deposits | 96.4680% | 760 |
| Net loans and leases to core deposits | 117.7900% | 693 |
| Total domestic deposits to total assets | 86.6300% | 1,778 |
| Equity capital to assets | 11.2307% | 1,464 |
| Core capital (leverage) ratio | 11.9651% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1980% | 1,049 |
| Memoranda: | ||
| Average total assets | $326,501,000 | 2,308 |
| Average earning assets | $309,964,333 | 2,282 |
| Average equity | $35,673,000 | 2,113 |
| Average total loans | $272,930,000 | 1,953 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1378% | 902 |
| Cost of funding earning assets | 1.8949% | 2,260 |
| Net interest margin | 4.2429% | 809 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.2031% | 3,058 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.9001% | 502 |
| Return on assets (ROA) | 1.9001% | 509 |
| Pretax return on assets | 1.9001% | 717 |
| Return on Equity (ROE) | 17.6400% | 648 |
| Retained earnings to average equity (ytd only) | 12.3317% | 684 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.8326% | 3,916 |
| Assets per employee ($millions) | 8.0625% | 1,411 |
| Cash dividends to net income (ytd only)* | 30.0839% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,373 |
| Loan loss allowance to noncurrent loans | 263.4483% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,383 |
| Noncurrent loans to loans | 0.5333% | 1,594 |
| Net loans and leases to total assets | 83.1300% | 327 |
| Net loans and leases to deposits | 97.3153% | 639 |
| Net loans and leases to core deposits | 118.5952% | 668 |
| Total domestic deposits to total assets | 85.4200% | 2,281 |
| Equity capital to assets | 11.0388% | 1,488 |
| Core capital (leverage) ratio | 11.5213% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2533% | 1,042 |
| Memoranda: | ||
| Average total assets | $326,088,500 | 2,316 |
| Average earning assets | $309,034,500 | 2,292 |
| Average equity | $35,129,000 | 2,131 |
| Average total loans | $270,658,500 | 1,960 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6088% | 1,023 |
| Cost of funding earning assets | 1.1401% | 2,957 |
| Net interest margin | 4.4686% | 643 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3128% | 2,819 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.1518% | 368 |
| Return on assets (ROA) | 2.1515% | 359 |
| Pretax return on assets | 2.1515% | 526 |
| Return on Equity (ROE) | 21.0600% | 531 |
| Retained earnings to average equity (ytd only) | 13.8539% | 413 |
| Net charge-offs to loans | 0.0016% | 2,774 |
| Credit loss provision to net charge-offs | 4,500.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 1,739.0000% | 94 |
| Efficiency ratio | 51.1483% | 3,899 |
| Assets per employee ($millions) | 8.2420% | 1,311 |
| Cash dividends to net income (ytd only)* | 34.2288% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 1,495 |
| Loan loss allowance to noncurrent loans | 28,461.5385% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,240 |
| Noncurrent loans to loans | 0.0048% | 3,752 |
| Net loans and leases to total assets | 80.6000% | 568 |
| Net loans and leases to deposits | 93.7877% | 954 |
| Net loans and leases to core deposits | 113.0552% | 840 |
| Total domestic deposits to total assets | 85.9400% | 2,041 |
| Equity capital to assets | 10.5127% | 1,716 |
| Core capital (leverage) ratio | 11.3495% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1269% | 1,243 |
| Memoranda: | ||
| Average total assets | $314,897,800 | 2,346 |
| Average earning assets | $300,672,600 | 2,304 |
| Average equity | $32,164,200 | 2,178 |
| Average total loans | $257,527,000 | 1,966 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 1,054 |
| Cost of funding earning assets | 1.0185% | 2,985 |
| Net interest margin | 4.4505% | 662 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.2446% | 2,957 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.2484% | 351 |
| Return on assets (ROA) | 2.2484% | 345 |
| Pretax return on assets | 2.2484% | 522 |
| Return on Equity (ROE) | 22.1800% | 547 |
| Retained earnings to average equity (ytd only) | 15.9113% | 468 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.5789% | 3,943 |
| Assets per employee ($millions) | 7.8985% | 1,396 |
| Cash dividends to net income (ytd only)* | 28.2774% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 1,566 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,112 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.9200% | 441 |
| Net loans and leases to deposits | 95.4401% | 786 |
| Net loans and leases to core deposits | 104.4343% | 1,099 |
| Total domestic deposits to total assets | 85.8300% | 2,250 |
| Equity capital to assets | 10.4742% | 1,564 |
| Core capital (leverage) ratio | 11.2812% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2589% | 1,254 |
| Memoranda: | ||
| Average total assets | $311,202,750 | 2,370 |
| Average earning assets | $298,204,000 | 2,319 |
| Average equity | $31,540,750 | 2,187 |
| Average total loans | $254,556,500 | 1,981 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 1,105 |
| Cost of funding earning assets | 0.8763% | 3,006 |
| Net interest margin | 4.4049% | 703 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2543% | 2,939 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.1749% | 368 |
| Return on assets (ROA) | 2.1749% | 360 |
| Pretax return on assets | 2.1749% | 553 |
| Return on Equity (ROE) | 21.7100% | 564 |
| Retained earnings to average equity (ytd only) | 15.3625% | 531 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3099% | 3,899 |
| Assets per employee ($millions) | 8.1155% | 1,270 |
| Cash dividends to net income (ytd only)* | 29.2248% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 1,500 |
| Loan loss allowance to noncurrent loans | 561.3707% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 1,059 |
| Noncurrent loans to loans | 0.2509% | 2,259 |
| Net loans and leases to total assets | 79.6900% | 669 |
| Net loans and leases to deposits | 92.3491% | 1,003 |
| Net loans and leases to core deposits | 99.8073% | 1,253 |
| Total domestic deposits to total assets | 86.3000% | 2,148 |
| Equity capital to assets | 10.1323% | 1,780 |
| Core capital (leverage) ratio | 11.0442% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9836% | 1,322 |
| Memoranda: | ||
| Average total assets | $309,624,000 | 2,383 |
| Average earning assets | $296,939,333 | 2,332 |
| Average equity | $31,023,667 | 2,218 |
| Average total loans | $251,939,000 | 1,996 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 1,108 |
| Cost of funding earning assets | 0.6482% | 3,227 |
| Net interest margin | 4.4284% | 651 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.2601% | 2,930 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.1464% | 403 |
| Return on assets (ROA) | 2.1464% | 398 |
| Pretax return on assets | 2.1464% | 619 |
| Return on Equity (ROE) | 21.5500% | 619 |
| Retained earnings to average equity (ytd only) | 15.1995% | 778 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1014% | 3,925 |
| Assets per employee ($millions) | 7.6194% | 1,547 |
| Cash dividends to net income (ytd only)* | 29.4583% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,497 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,051 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.5300% | 270 |
| Net loans and leases to deposits | 96.0041% | 652 |
| Net loans and leases to core deposits | 102.8479% | 975 |
| Total domestic deposits to total assets | 87.0000% | 2,261 |
| Equity capital to assets | 10.3972% | 1,614 |
| Core capital (leverage) ratio | 11.0715% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8866% | 1,396 |
| Memoranda: | ||
| Average total assets | $306,184,000 | 2,431 |
| Average earning assets | $294,372,500 | 2,378 |
| Average equity | $30,501,000 | 2,273 |
| Average total loans | $249,989,500 | 2,029 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 865 |
| Cost of funding earning assets | 0.2295% | 3,520 |
| Net interest margin | 4.1815% | 563 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.2475% | 2,906 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.9052% | 349 |
| Return on assets (ROA) | 1.9042% | 341 |
| Pretax return on assets | 1.9042% | 581 |
| Return on Equity (ROE) | 19.8400% | 499 |
| Retained earnings to average equity (ytd only) | 13.1686% | 488 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.6878% | 3,919 |
| Assets per employee ($millions) | 7.6881% | 1,496 |
| Cash dividends to net income (ytd only)* | 33.6126% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,724 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,083 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.6800% | 832 |
| Net loans and leases to deposits | 87.8903% | 1,180 |
| Net loans and leases to core deposits | 92.0269% | 1,390 |
| Total domestic deposits to total assets | 88.3800% | 1,939 |
| Equity capital to assets | 9.5511% | 1,969 |
| Core capital (leverage) ratio | 10.4789% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3647% | 1,518 |
| Memoranda: | ||
| Average total assets | $300,918,000 | 2,448 |
| Average earning assets | $288,410,800 | 2,398 |
| Average equity | $28,886,800 | 2,383 |
| Average total loans | $221,529,200 | 2,100 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 868 |
| Cost of funding earning assets | 0.1962% | 3,323 |
| Net interest margin | 4.0161% | 620 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1299% | 3,131 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.8909% | 352 |
| Return on assets (ROA) | 1.8909% | 346 |
| Pretax return on assets | 1.8909% | 594 |
| Return on Equity (ROE) | 19.6700% | 461 |
| Retained earnings to average equity (ytd only) | 14.4096% | 416 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9296% | 4,016 |
| Assets per employee ($millions) | 7.4018% | 1,678 |
| Cash dividends to net income (ytd only)* | 26.7489% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,051 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,155 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.4300% | 578 |
| Net loans and leases to deposits | 88.2979% | 1,011 |
| Net loans and leases to core deposits | 93.0427% | 1,141 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 9.4848% | 1,894 |
| Core capital (leverage) ratio | 10.5094% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1451% | 1,664 |
| Memoranda: | ||
| Average total assets | $297,344,750 | 2,485 |
| Average earning assets | $284,682,750 | 2,436 |
| Average equity | $28,582,000 | 2,430 |
| Average total loans | $214,870,000 | 2,135 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 983 |
| Cost of funding earning assets | 0.1905% | 3,040 |
| Net interest margin | 3.7793% | 787 |
| Noninterest income to average assets | 0.2574% | 3,630 |
| Noninterest expense to average assets | 2.0758% | 3,218 |
| Loan and lease loss provision to assets | 0.0813% | 1,208 |
| Net operating income to assets | 1.7155% | 412 |
| Return on assets (ROA) | 1.7155% | 406 |
| Pretax return on assets | 1.7155% | 726 |
| Return on Equity (ROE) | 17.7663% | 500 |
| Retained earnings to average equity (ytd only) | 12.8495% | 482 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6027% | 4,000 |
| Assets per employee ($millions) | 7.9105% | 1,353 |
| Cash dividends to net income (ytd only)* | 27.6747% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,233 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.7745% | 1,033 |
| Net loans and leases to deposits | 80.5378% | 1,344 |
| Net loans and leases to core deposits | 84.7585% | 1,409 |
| Total domestic deposits to total assets | 90.3606% | 1,540 |
| Equity capital to assets | 9.2904% | 2,167 |
| Core capital (leverage) ratio | 10.2019% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6605% | 1,519 |
| Memoranda: | ||
| Average total assets | $295,301,333 | 2,510 |
| Average earning assets | $282,485,333 | 2,474 |
| Average equity | $28,514,667 | 2,494 |
| Average total loans | $205,087,000 | 2,200 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 1,194 |
| Cost of funding earning assets | 0.1935% | 2,883 |
| Net interest margin | 3.5462% | 992 |
| Noninterest income to average assets | 0.2570% | 3,601 |
| Noninterest expense to average assets | 2.0516% | 3,295 |
| Loan and lease loss provision to assets | 0.0820% | 1,000 |
| Net operating income to assets | 1.5308% | 591 |
| Return on assets (ROA) | 1.5308% | 585 |
| Pretax return on assets | 1.5308% | 961 |
| Return on Equity (ROE) | 15.5510% | 577 |
| Retained earnings to average equity (ytd only) | 10.4830% | 911 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9866% | 3,880 |
| Assets per employee ($millions) | 7.3239% | 1,788 |
| Cash dividends to net income (ytd only)* | 32.5893% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,311 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.5167% | 1,261 |
| Net loans and leases to deposits | 75.0589% | 1,521 |
| Net loans and leases to core deposits | 79.5256% | 1,519 |
| Total domestic deposits to total assets | 89.9517% | 1,589 |
| Equity capital to assets | 9.7493% | 2,091 |
| Core capital (leverage) ratio | 9.7936% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1563% | 1,469 |
| Memoranda: | ||
| Average total assets | $292,652,000 | 2,534 |
| Average earning assets | $281,204,500 | 2,497 |
| Average equity | $28,808,500 | 2,543 |
| Average total loans | $196,699,000 | 2,250 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 952 |
| Cost of funding earning assets | 0.2201% | 3,254 |
| Net interest margin | 4.0058% | 703 |
| Noninterest income to average assets | 0.2949% | 3,635 |
| Noninterest expense to average assets | 2.0569% | 3,512 |
| Loan and lease loss provision to assets | 0.0664% | 1,740 |
| Net operating income to assets | 2.0160% | 330 |
| Return on assets (ROA) | 2.0160% | 346 |
| Pretax return on assets | 2.0160% | 585 |
| Return on Equity (ROE) | 19.9013% | 313 |
| Retained earnings to average equity (ytd only) | 12.7859% | 426 |
| Net charge-offs to loans | -0.0021% | 3,366 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6927% | 4,307 |
| Assets per employee ($millions) | 7.1305% | 1,842 |
| Cash dividends to net income (ytd only)* | 35.7535% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.8466% | 1,601 |
| Net loans and leases to deposits | 72.2773% | 1,884 |
| Net loans and leases to core deposits | 76.5098% | 1,879 |
| Total domestic deposits to total assets | 89.7192% | 1,101 |
| Equity capital to assets | 9.9388% | 2,711 |
| Core capital (leverage) ratio | 10.0378% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4323% | 1,406 |
| Memoranda: | ||
| Average total assets | $271,236,800 | 2,590 |
| Average earning assets | $260,298,600 | 2,549 |
| Average equity | $27,475,600 | 2,683 |
| Average total loans | $194,919,600 | 2,268 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 910 |
| Cost of funding earning assets | 0.2286% | 3,339 |
| Net interest margin | 4.1007% | 655 |
| Noninterest income to average assets | 0.2908% | 3,712 |
| Noninterest expense to average assets | 2.0248% | 3,597 |
| Loan and lease loss provision to assets | 0.0902% | 1,329 |
| Net operating income to assets | 2.1055% | 391 |
| Return on assets (ROA) | 2.1055% | 411 |
| Pretax return on assets | 2.1055% | 667 |
| Return on Equity (ROE) | 20.6786% | 379 |
| Retained earnings to average equity (ytd only) | 14.5045% | 456 |
| Net charge-offs to loans | -0.0027% | 3,276 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9748% | 4,366 |
| Assets per employee ($millions) | 7.3076% | 1,671 |
| Cash dividends to net income (ytd only)* | 29.8571% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,566 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.7359% | 1,232 |
| Net loans and leases to deposits | 76.9965% | 1,575 |
| Net loans and leases to core deposits | 81.8417% | 1,581 |
| Total domestic deposits to total assets | 89.2715% | 1,137 |
| Equity capital to assets | 10.2762% | 2,636 |
| Core capital (leverage) ratio | 10.2442% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8584% | 1,378 |
| Memoranda: | ||
| Average total assets | $265,958,500 | 2,657 |
| Average earning assets | $254,874,750 | 2,608 |
| Average equity | $27,080,500 | 2,747 |
| Average total loans | $195,509,000 | 2,299 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 775 |
| Cost of funding earning assets | 0.2396% | 3,377 |
| Net interest margin | 4.2212% | 561 |
| Noninterest income to average assets | 0.2893% | 3,690 |
| Noninterest expense to average assets | 2.0721% | 3,478 |
| Loan and lease loss provision to assets | 0.0916% | 1,367 |
| Net operating income to assets | 2.1736% | 355 |
| Return on assets (ROA) | 2.1736% | 376 |
| Pretax return on assets | 2.1736% | 605 |
| Return on Equity (ROE) | 21.4173% | 356 |
| Retained earnings to average equity (ytd only) | 15.3636% | 386 |
| Net charge-offs to loans | -0.0041% | 3,370 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7741% | 4,403 |
| Assets per employee ($millions) | 6.9482% | 1,846 |
| Cash dividends to net income (ytd only)* | 28.2654% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,689 |
| Loan loss allowance to noncurrent loans | 1,815.5280% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 3,642 |
| Noncurrent loans to loans | 0.0809% | 3,782 |
| Net loans and leases to total assets | 72.3195% | 927 |
| Net loans and leases to deposits | 80.9103% | 1,336 |
| Net loans and leases to core deposits | 85.8476% | 1,428 |
| Total domestic deposits to total assets | 89.3823% | 1,091 |
| Equity capital to assets | 10.1992% | 2,676 |
| Core capital (leverage) ratio | 10.0098% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0095% | 1,335 |
| Memoranda: | ||
| Average total assets | $262,048,333 | 2,663 |
| Average earning assets | $251,301,000 | 2,625 |
| Average equity | $26,595,333 | 2,773 |
| Average total loans | $196,060,333 | 2,303 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 769 |
| Cost of funding earning assets | 0.2671% | 3,305 |
| Net interest margin | 4.2383% | 569 |
| Noninterest income to average assets | 0.2919% | 3,664 |
| Noninterest expense to average assets | 2.1306% | 3,327 |
| Loan and lease loss provision to assets | 0.0932% | 1,436 |
| Net operating income to assets | 2.1337% | 459 |
| Return on assets (ROA) | 2.1337% | 501 |
| Pretax return on assets | 2.1337% | 762 |
| Return on Equity (ROE) | 21.0785% | 463 |
| Retained earnings to average equity (ytd only) | 15.1569% | 613 |
| Net charge-offs to loans | -0.0082% | 3,596 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8952% | 4,269 |
| Assets per employee ($millions) | 6.8117% | 1,925 |
| Cash dividends to net income (ytd only)* | 28.0932% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,740 |
| Loan loss allowance to noncurrent loans | 136.2684% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,060 |
| Noncurrent loans to loans | 1.0708% | 1,255 |
| Net loans and leases to total assets | 74.6975% | 745 |
| Net loans and leases to deposits | 83.6086% | 1,191 |
| Net loans and leases to core deposits | 88.7582% | 1,309 |
| Total domestic deposits to total assets | 89.3418% | 1,151 |
| Equity capital to assets | 10.2486% | 2,481 |
| Core capital (leverage) ratio | 10.0055% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2097% | 1,244 |
| Memoranda: | ||
| Average total assets | $257,582,000 | 2,684 |
| Average earning assets | $247,081,000 | 2,631 |
| Average equity | $26,074,000 | 2,791 |
| Average total loans | $194,643,000 | 2,316 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 554 |
| Cost of funding earning assets | 0.4745% | 3,119 |
| Net interest margin | 4.4670% | 351 |
| Noninterest income to average assets | 0.3064% | 3,646 |
| Noninterest expense to average assets | 2.3306% | 3,328 |
| Loan and lease loss provision to assets | 0.1350% | 2,674 |
| Net operating income to assets | 2.0837% | 227 |
| Return on assets (ROA) | 2.0837% | 244 |
| Pretax return on assets | 2.0837% | 377 |
| Return on Equity (ROE) | 20.3359% | 216 |
| Retained earnings to average equity (ytd only) | 13.0713% | 237 |
| Net charge-offs to loans | 0.0017% | 3,352 |
| Credit loss provision to net charge-offs | 10,666.6667% | 93 |
| Earnings coverage of net charge-offs (x) | 1,752.6667% | 66 |
| Efficiency ratio | 51.2290% | 4,448 |
| Assets per employee ($millions) | 6.5817% | 1,864 |
| Cash dividends to net income (ytd only)* | 35.7230% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,778 |
| Loan loss allowance to noncurrent loans | 1,853.6424% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 3,902 |
| Noncurrent loans to loans | 0.0782% | 3,979 |
| Net loans and leases to total assets | 74.1266% | 1,008 |
| Net loans and leases to deposits | 82.8604% | 1,563 |
| Net loans and leases to core deposits | 89.0934% | 1,598 |
| Total domestic deposits to total assets | 89.4596% | 785 |
| Equity capital to assets | 10.1244% | 3,005 |
| Core capital (leverage) ratio | 9.7899% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8971% | 1,287 |
| Memoranda: | ||
| Average total assets | $236,980,400 | 2,677 |
| Average earning assets | $225,096,800 | 2,635 |
| Average equity | $24,282,200 | 2,857 |
| Average total loans | $180,510,200 | 2,410 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 630 |
| Cost of funding earning assets | 0.5152% | 3,137 |
| Net interest margin | 4.4629% | 415 |
| Noninterest income to average assets | 0.3057% | 3,661 |
| Noninterest expense to average assets | 2.2747% | 3,485 |
| Loan and lease loss provision to assets | 0.1495% | 2,530 |
| Net operating income to assets | 2.1075% | 241 |
| Return on assets (ROA) | 2.1075% | 254 |
| Pretax return on assets | 2.1075% | 407 |
| Return on Equity (ROE) | 20.5005% | 224 |
| Retained earnings to average equity (ytd only) | 14.5482% | 222 |
| Net charge-offs to loans | 0.0023% | 3,103 |
| Credit loss provision to net charge-offs | 8,666.6667% | 141 |
| Earnings coverage of net charge-offs (x) | 1,309.3333% | 89 |
| Efficiency ratio | 50.1965% | 4,478 |
| Assets per employee ($millions) | 6.5635% | 1,778 |
| Cash dividends to net income (ytd only)* | 29.0349% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,331 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.9582% | 1,103 |
| Net loans and leases to deposits | 88.6745% | 1,409 |
| Net loans and leases to core deposits | 96.5479% | 1,410 |
| Total domestic deposits to total assets | 85.6595% | 2,196 |
| Equity capital to assets | 9.9119% | 3,311 |
| Core capital (leverage) ratio | 9.7445% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9327% | 1,265 |
| Memoranda: | ||
| Average total assets | $232,053,500 | 2,689 |
| Average earning assets | $219,733,000 | 2,659 |
| Average equity | $23,855,750 | 2,878 |
| Average total loans | $177,369,500 | 2,428 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 629 |
| Cost of funding earning assets | 0.5607% | 3,176 |
| Net interest margin | 4.5855% | 424 |
| Noninterest income to average assets | 0.3035% | 3,647 |
| Noninterest expense to average assets | 2.3706% | 3,344 |
| Loan and lease loss provision to assets | 0.1785% | 2,230 |
| Net operating income to assets | 2.0832% | 276 |
| Return on assets (ROA) | 2.0832% | 311 |
| Pretax return on assets | 2.0832% | 462 |
| Return on Equity (ROE) | 19.9911% | 246 |
| Retained earnings to average equity (ytd only) | 14.5523% | 245 |
| Net charge-offs to loans | 0.0035% | 2,857 |
| Credit loss provision to net charge-offs | 6,666.6667% | 175 |
| Earnings coverage of net charge-offs (x) | 844.6667% | 113 |
| Efficiency ratio | 51.1753% | 4,418 |
| Assets per employee ($millions) | 6.4989% | 1,776 |
| Cash dividends to net income (ytd only)* | 27.2065% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,419 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.8674% | 1,294 |
| Net loans and leases to deposits | 87.1388% | 1,648 |
| Net loans and leases to core deposits | 94.6641% | 1,694 |
| Total domestic deposits to total assets | 85.9175% | 2,046 |
| Equity capital to assets | 9.6360% | 3,536 |
| Core capital (leverage) ratio | 9.5051% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2986% | 1,413 |
| Memoranda: | ||
| Average total assets | $224,079,667 | 2,725 |
| Average earning assets | $211,536,333 | 2,702 |
| Average equity | $23,350,333 | 2,902 |
| Average total loans | $170,768,333 | 2,464 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1403% | 737 |
| Cost of funding earning assets | 0.6311% | 3,265 |
| Net interest margin | 4.5092% | 493 |
| Noninterest income to average assets | 0.3343% | 3,525 |
| Noninterest expense to average assets | 2.5331% | 3,175 |
| Loan and lease loss provision to assets | 0.1910% | 1,570 |
| Net operating income to assets | 1.8549% | 368 |
| Return on assets (ROA) | 1.8549% | 407 |
| Pretax return on assets | 1.8549% | 619 |
| Return on Equity (ROE) | 17.0246% | 336 |
| Retained earnings to average equity (ytd only) | 11.4491% | 494 |
| Net charge-offs to loans | 0.0075% | 2,296 |
| Credit loss provision to net charge-offs | 3,333.3333% | 238 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 195 |
| Efficiency ratio | 55.3191% | 4,279 |
| Assets per employee ($millions) | 5.5731% | 2,050 |
| Cash dividends to net income (ytd only)* | 32.7497% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,463 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.3797% | 1,716 |
| Net loans and leases to deposits | 82.3153% | 2,416 |
| Net loans and leases to core deposits | 93.0367% | 2,066 |
| Total domestic deposits to total assets | 89.1446% | 604 |
| Equity capital to assets | 10.5922% | 3,235 |
| Core capital (leverage) ratio | 10.7557% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1539% | 1,566 |
| Memoranda: | ||
| Average total assets | $209,391,500 | 2,794 |
| Average earning assets | $197,109,500 | 2,764 |
| Average equity | $22,814,000 | 2,937 |
| Average total loans | $159,935,000 | 2,541 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3815% | 695 |
| Cost of funding earning assets | 0.5978% | 3,645 |
| Net interest margin | 4.7837% | 406 |
| Noninterest income to average assets | 0.3767% | 3,444 |
| Noninterest expense to average assets | 2.6466% | 3,040 |
| Loan and lease loss provision to assets | 0.1218% | 1,737 |
| Net operating income to assets | 2.1054% | 271 |
| Return on assets (ROA) | 2.1054% | 283 |
| Pretax return on assets | 2.1054% | 473 |
| Return on Equity (ROE) | 19.3187% | 248 |
| Retained earnings to average equity (ytd only) | 7.5887% | 1,126 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3021% | 4,393 |
| Assets per employee ($millions) | 5.0359% | 2,548 |
| Cash dividends to net income (ytd only)* | 60.7186% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 1,040 |
| Loan loss allowance to noncurrent loans | 2,158.2609% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,340 |
| Noncurrent loans to loans | 0.0729% | 4,237 |
| Net loans and leases to total assets | 77.1066% | 1,244 |
| Net loans and leases to deposits | 89.1864% | 1,676 |
| Net loans and leases to core deposits | 96.3356% | 1,874 |
| Total domestic deposits to total assets | 86.4556% | 1,864 |
| Equity capital to assets | 11.2225% | 2,791 |
| Core capital (leverage) ratio | 10.8177% | 2,665 |
| Tier 1 risk-based capital ratio | 14.9526% | 2,794 |
| Total risk-based capital ratio | 16.2075% | 2,736 |
| Memoranda: | ||
| Average total assets | $196,973,000 | 2,866 |
| Average earning assets | $185,170,000 | 2,837 |
| Average equity | $21,466,200 | 3,009 |
| Average total loans | $159,248,800 | 2,518 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4022% | 690 |
| Cost of funding earning assets | 0.5979% | 3,710 |
| Net interest margin | 4.8042% | 414 |
| Noninterest income to average assets | 0.3880% | 3,389 |
| Noninterest expense to average assets | 2.6468% | 3,020 |
| Loan and lease loss provision to assets | 0.1225% | 1,595 |
| Net operating income to assets | 2.1369% | 301 |
| Return on assets (ROA) | 2.1369% | 315 |
| Pretax return on assets | 2.1369% | 509 |
| Return on Equity (ROE) | 19.7591% | 266 |
| Retained earnings to average equity (ytd only) | 7.9439% | 1,428 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9476% | 4,400 |
| Assets per employee ($millions) | 5.1319% | 2,414 |
| Cash dividends to net income (ytd only)* | 59.7960% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,228 |
| Loan loss allowance to noncurrent loans | 3,561.7647% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,559 |
| Noncurrent loans to loans | 0.0423% | 4,460 |
| Net loans and leases to total assets | 77.0841% | 1,300 |
| Net loans and leases to deposits | 90.2586% | 1,669 |
| Net loans and leases to core deposits | 103.7770% | 1,340 |
| Total domestic deposits to total assets | 85.4036% | 2,254 |
| Equity capital to assets | 10.8205% | 3,274 |
| Core capital (leverage) ratio | 10.8848% | 2,752 |
| Tier 1 risk-based capital ratio | 14.3270% | 3,165 |
| Total risk-based capital ratio | 15.5813% | 3,069 |
| Memoranda: | ||
| Average total assets | $195,857,750 | 2,899 |
| Average earning assets | $184,193,500 | 2,872 |
| Average equity | $21,181,250 | 3,050 |
| Average total loans | $159,610,750 | 2,541 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 676 |
| Cost of funding earning assets | 0.5904% | 3,702 |
| Net interest margin | 4.8107% | 397 |
| Noninterest income to average assets | 0.3923% | 3,323 |
| Noninterest expense to average assets | 2.6723% | 2,999 |
| Loan and lease loss provision to assets | 0.1245% | 1,494 |
| Net operating income to assets | 2.1109% | 315 |
| Return on assets (ROA) | 2.1109% | 329 |
| Pretax return on assets | 2.1109% | 537 |
| Return on Equity (ROE) | 19.5223% | 285 |
| Retained earnings to average equity (ytd only) | 4.6742% | 2,936 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4513% | 4,418 |
| Assets per employee ($millions) | 5.0308% | 2,439 |
| Cash dividends to net income (ytd only)* | 76.0570% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,350 |
| Loan loss allowance to noncurrent loans | 3,473.5294% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,595 |
| Noncurrent loans to loans | 0.0424% | 4,495 |
| Net loans and leases to total assets | 80.4789% | 810 |
| Net loans and leases to deposits | 95.0198% | 1,149 |
| Net loans and leases to core deposits | 104.8702% | 1,310 |
| Total domestic deposits to total assets | 84.6970% | 2,599 |
| Equity capital to assets | 10.8918% | 3,185 |
| Core capital (leverage) ratio | 10.7685% | 2,818 |
| Tier 1 risk-based capital ratio | 14.3848% | 3,126 |
| Total risk-based capital ratio | 15.6391% | 3,040 |
| Memoranda: | ||
| Average total assets | $192,718,000 | 2,936 |
| Average earning assets | $180,888,330 | 2,911 |
| Average equity | $20,837,670 | 3,067 |
| Average total loans | $159,261,670 | 2,545 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4023% | 630 |
| Cost of funding earning assets | 0.5784% | 3,685 |
| Net interest margin | 4.8239% | 387 |
| Noninterest income to average assets | 0.3728% | 3,366 |
| Noninterest expense to average assets | 2.6684% | 3,003 |
| Loan and lease loss provision to assets | 0.1257% | 1,398 |
| Net operating income to assets | 2.1029% | 319 |
| Return on assets (ROA) | 2.1029% | 334 |
| Pretax return on assets | 2.1029% | 522 |
| Return on Equity (ROE) | 19.5222% | 292 |
| Retained earnings to average equity (ytd only) | -4.2778% | 4,884 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4910% | 4,485 |
| Assets per employee ($millions) | 4.7038% | 2,912 |
| Cash dividends to net income (ytd only)* | 121.9124% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,505 |
| Loan loss allowance to noncurrent loans | 3,336.2319% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,660 |
| Noncurrent loans to loans | 0.0435% | 4,569 |
| Net loans and leases to total assets | 81.0531% | 706 |
| Net loans and leases to deposits | 95.4013% | 1,026 |
| Net loans and leases to core deposits | 105.0193% | 1,244 |
| Total domestic deposits to total assets | 84.9602% | 2,692 |
| Equity capital to assets | 10.6422% | 3,211 |
| Core capital (leverage) ratio | 10.4208% | 3,143 |
| Tier 1 risk-based capital ratio | 13.9560% | 3,359 |
| Total risk-based capital ratio | 15.2104% | 3,277 |
| Memoranda: | ||
| Average total assets | $190,975,500 | 2,988 |
| Average earning assets | $179,107,500 | 2,959 |
| Average equity | $20,571,500 | 3,109 |
| Average total loans | $158,760,500 | 2,573 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4075% | 475 |
| Cost of funding earning assets | 0.4030% | 3,970 |
| Net interest margin | 5.0045% | 261 |
| Noninterest income to average assets | 0.4048% | 3,413 |
| Noninterest expense to average assets | 2.7656% | 2,806 |
| Loan and lease loss provision to assets | 0.1601% | 1,285 |
| Net operating income to assets | 2.1753% | 262 |
| Return on assets (ROA) | 2.1753% | 255 |
| Pretax return on assets | 2.1753% | 375 |
| Return on Equity (ROE) | 21.5684% | 173 |
| Retained earnings to average equity (ytd only) | 15.5266% | 95 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2176% | 4,598 |
| Assets per employee ($millions) | 4.6121% | 3,003 |
| Cash dividends to net income (ytd only)* | 28.0120% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,594 |
| Loan loss allowance to noncurrent loans | 3,503.1250% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,681 |
| Noncurrent loans to loans | 0.0403% | 4,575 |
| Net loans and leases to total assets | 82.8479% | 535 |
| Net loans and leases to deposits | 97.9989% | 905 |
| Net loans and leases to core deposits | 107.0264% | 1,192 |
| Total domestic deposits to total assets | 84.5396% | 2,818 |
| Equity capital to assets | 10.9040% | 2,790 |
| Core capital (leverage) ratio | 10.3658% | 3,182 |
| Tier 1 risk-based capital ratio | 14.1146% | 3,238 |
| Total risk-based capital ratio | 15.3681% | 3,171 |
| Memoranda: | ||
| Average total assets | $184,297,200 | 3,015 |
| Average earning assets | $172,944,000 | 2,994 |
| Average equity | $18,587,400 | 3,230 |
| Average total loans | $152,015,600 | 2,620 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 529 |
| Cost of funding earning assets | 0.3666% | 4,074 |
| Net interest margin | 4.9281% | 299 |
| Noninterest income to average assets | 0.4012% | 3,477 |
| Noninterest expense to average assets | 2.7212% | 2,914 |
| Loan and lease loss provision to assets | 0.1711% | 1,089 |
| Net operating income to assets | 2.1387% | 288 |
| Return on assets (ROA) | 2.1387% | 284 |
| Pretax return on assets | 2.1387% | 442 |
| Return on Equity (ROE) | 21.6593% | 182 |
| Retained earnings to average equity (ytd only) | 13.8127% | 270 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0889% | 4,607 |
| Assets per employee ($millions) | 4.6944% | 2,854 |
| Cash dividends to net income (ytd only)* | 36.2274% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 1,745 |
| Loan loss allowance to noncurrent loans | 3,356.9231% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,813 |
| Noncurrent loans to loans | 0.0414% | 4,713 |
| Net loans and leases to total assets | 80.4979% | 947 |
| Net loans and leases to deposits | 95.4680% | 1,211 |
| Net loans and leases to core deposits | 102.5150% | 1,565 |
| Total domestic deposits to total assets | 84.3193% | 2,848 |
| Equity capital to assets | 10.1298% | 3,512 |
| Core capital (leverage) ratio | 10.1721% | 3,438 |
| Tier 1 risk-based capital ratio | 13.4339% | 3,665 |
| Total risk-based capital ratio | 14.6871% | 3,581 |
| Memoranda: | ||
| Average total assets | $183,097,500 | 3,047 |
| Average earning assets | $172,016,750 | 3,029 |
| Average equity | $18,079,500 | 3,309 |
| Average total loans | $150,293,500 | 2,653 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 537 |
| Cost of funding earning assets | 0.3279% | 4,217 |
| Net interest margin | 4.8919% | 309 |
| Noninterest income to average assets | 0.4045% | 3,450 |
| Noninterest expense to average assets | 2.7738% | 2,747 |
| Loan and lease loss provision to assets | 0.1945% | 884 |
| Net operating income to assets | 2.0125% | 372 |
| Return on assets (ROA) | 2.0125% | 368 |
| Pretax return on assets | 2.0125% | 589 |
| Return on Equity (ROE) | 20.5714% | 228 |
| Retained earnings to average equity (ytd only) | 8.4853% | 1,416 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6894% | 4,518 |
| Assets per employee ($millions) | 4.6294% | 2,925 |
| Cash dividends to net income (ytd only)* | 58.7521% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,912 |
| Loan loss allowance to noncurrent loans | 3,264.6154% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,847 |
| Noncurrent loans to loans | 0.0416% | 4,731 |
| Net loans and leases to total assets | 83.2720% | 548 |
| Net loans and leases to deposits | 98.1297% | 960 |
| Net loans and leases to core deposits | 104.8466% | 1,326 |
| Total domestic deposits to total assets | 84.8592% | 2,723 |
| Equity capital to assets | 9.9533% | 3,673 |
| Core capital (leverage) ratio | 9.9737% | 3,604 |
| Tier 1 risk-based capital ratio | 12.5851% | 4,131 |
| Total risk-based capital ratio | 13.8379% | 4,030 |
| Memoranda: | ||
| Average total assets | $179,972,670 | 3,092 |
| Average earning assets | $168,360,330 | 3,085 |
| Average equity | $17,607,000 | 3,382 |
| Average total loans | $148,018,670 | 2,691 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 631 |
| Cost of funding earning assets | 0.3253% | 4,164 |
| Net interest margin | 4.7211% | 395 |
| Noninterest income to average assets | 0.4127% | 3,375 |
| Noninterest expense to average assets | 2.7738% | 2,791 |
| Loan and lease loss provision to assets | 0.1804% | 949 |
| Net operating income to assets | 1.8763% | 479 |
| Return on assets (ROA) | 1.8763% | 484 |
| Pretax return on assets | 1.8763% | 769 |
| Return on Equity (ROE) | 19.3545% | 293 |
| Retained earnings to average equity (ytd only) | 19.0753% | 125 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4230% | 4,416 |
| Assets per employee ($millions) | 4.5484% | 3,074 |
| Cash dividends to net income (ytd only)* | 1.4423% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,916 |
| Loan loss allowance to noncurrent loans | 2,854.9296% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,919 |
| Noncurrent loans to loans | 0.0483% | 4,761 |
| Net loans and leases to total assets | 79.6127% | 994 |
| Net loans and leases to deposits | 94.1071% | 1,216 |
| Net loans and leases to core deposits | 101.0704% | 1,609 |
| Total domestic deposits to total assets | 84.5980% | 3,075 |
| Equity capital to assets | 9.6270% | 3,965 |
| Core capital (leverage) ratio | 9.8268% | 3,734 |
| Tier 1 risk-based capital ratio | 12.3497% | 4,344 |
| Total risk-based capital ratio | 13.6016% | 4,233 |
| Memoranda: | ||
| Average total assets | $177,371,500 | 3,160 |
| Average earning assets | $165,977,500 | 3,138 |
| Average equity | $17,195,000 | 3,446 |
| Average total loans | $143,867,500 | 2,764 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 846 |
| Cost of funding earning assets | 0.1832% | 5,071 |
| Net interest margin | 4.6915% | 429 |
| Noninterest income to average assets | 0.4824% | 3,113 |
| Noninterest expense to average assets | 3.0262% | 2,081 |
| Loan and lease loss provision to assets | 0.3423% | 474 |
| Net operating income to assets | 1.4957% | 810 |
| Return on assets (ROA) | 1.4970% | 828 |
| Pretax return on assets | 1.4970% | 1,656 |
| Return on Equity (ROE) | 15.4213% | 554 |
| Retained earnings to average equity (ytd only) | 11.3298% | 221 |
| Net charge-offs to loans | 0.0075% | 3,812 |
| Credit loss provision to net charge-offs | 5,888.8889% | 67 |
| Earnings coverage of net charge-offs (x) | 316.2222% | 271 |
| Efficiency ratio | 62.2146% | 3,904 |
| Assets per employee ($millions) | 4.6704% | 2,911 |
| Cash dividends to net income (ytd only)* | 26.5315% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,831 |
| Loan loss allowance to noncurrent loans | 2,781.4286% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,932 |
| Noncurrent loans to loans | 0.0497% | 4,767 |
| Net loans and leases to total assets | 80.3884% | 908 |
| Net loans and leases to deposits | 95.5840% | 1,125 |
| Net loans and leases to core deposits | 102.8520% | 1,500 |
| Total domestic deposits to total assets | 84.1024% | 3,165 |
| Equity capital to assets | 9.7653% | 3,950 |
| Core capital (leverage) ratio | 9.9495% | 3,516 |
| Tier 1 risk-based capital ratio | 12.1840% | 4,406 |
| Total risk-based capital ratio | 13.4364% | 4,302 |
| Memoranda: | ||
| Average total assets | $154,847,000 | 3,417 |
| Average earning assets | $144,623,200 | 3,392 |
| Average equity | $15,031,200 | 3,716 |
| Average total loans | $120,689,000 | 3,052 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 992 |
| Cost of funding earning assets | 0.1663% | 5,216 |
| Net interest margin | 4.6011% | 485 |
| Noninterest income to average assets | 0.4966% | 3,046 |
| Noninterest expense to average assets | 3.0194% | 2,063 |
| Loan and lease loss provision to assets | 0.3015% | 519 |
| Net operating income to assets | 1.4685% | 960 |
| Return on assets (ROA) | 1.4711% | 973 |
| Pretax return on assets | 1.4711% | 1,878 |
| Return on Equity (ROE) | 15.1812% | 630 |
| Retained earnings to average equity (ytd only) | 9.5535% | 691 |
| Net charge-offs to loans | 0.0104% | 3,354 |
| Credit loss provision to net charge-offs | 3,777.7778% | 120 |
| Earnings coverage of net charge-offs (x) | 221.7725% | 392 |
| Efficiency ratio | 63.0439% | 3,703 |
| Assets per employee ($millions) | 4.0918% | 3,838 |
| Cash dividends to net income (ytd only)* | 37.0706% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,107 |
| Loan loss allowance to noncurrent loans | 1,830.2083% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,926 |
| Noncurrent loans to loans | 0.0739% | 4,782 |
| Net loans and leases to total assets | 82.3931% | 617 |
| Net loans and leases to deposits | 92.4623% | 1,502 |
| Net loans and leases to core deposits | 95.0386% | 2,166 |
| Total domestic deposits to total assets | 89.1099% | 825 |
| Equity capital to assets | 9.8630% | 4,071 |
| Core capital (leverage) ratio | 9.5210% | 4,139 |
| Tier 1 risk-based capital ratio | 11.9112% | 4,693 |
| Total risk-based capital ratio | 13.1627% | 4,566 |
| Memoranda: | ||
| Average total assets | $150,357,250 | 3,499 |
| Average earning assets | $140,281,000 | 3,478 |
| Average equity | $14,570,250 | 3,811 |
| Average total loans | $115,645,500 | 3,142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,226 |
| Cost of funding earning assets | 0.1662% | 5,233 |
| Net interest margin | 4.4507% | 636 |
| Noninterest income to average assets | 0.5005% | 3,023 |
| Noninterest expense to average assets | 2.9977% | 2,117 |
| Loan and lease loss provision to assets | 0.2691% | 596 |
| Net operating income to assets | 1.3764% | 1,115 |
| Return on assets (ROA) | 1.3805% | 1,135 |
| Pretax return on assets | 1.3805% | 2,098 |
| Return on Equity (ROE) | 14.3346% | 770 |
| Retained earnings to average equity (ytd only) | 7.2092% | 1,492 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5610% | 3,579 |
| Assets per employee ($millions) | 3.9236% | 4,092 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,096 |
| Loan loss allowance to noncurrent loans | 1,042.3077% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 4,789 |
| Noncurrent loans to loans | 0.1310% | 4,598 |
| Net loans and leases to total assets | 76.7640% | 1,419 |
| Net loans and leases to deposits | 85.2976% | 2,311 |
| Net loans and leases to core deposits | 87.6853% | 2,732 |
| Total domestic deposits to total assets | 89.9955% | 539 |
| Equity capital to assets | 9.6849% | 4,243 |
| Core capital (leverage) ratio | 9.3341% | 4,320 |
| Tier 1 risk-based capital ratio | 11.8515% | 4,729 |
| Total risk-based capital ratio | 13.1023% | 4,618 |
| Memoranda: | ||
| Average total assets | $148,646,330 | 3,540 |
| Average earning assets | $138,359,670 | 3,518 |
| Average equity | $14,315,000 | 3,851 |
| Average total loans | $110,904,000 | 3,211 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,534 |
| Cost of funding earning assets | 0.1639% | 5,280 |
| Net interest margin | 4.2740% | 841 |
| Noninterest income to average assets | 0.5244% | 2,805 |
| Noninterest expense to average assets | 2.9251% | 2,381 |
| Loan and lease loss provision to assets | 0.3550% | 330 |
| Net operating income to assets | 1.2317% | 1,426 |
| Return on assets (ROA) | 1.2317% | 1,465 |
| Pretax return on assets | 1.2317% | 2,470 |
| Return on Equity (ROE) | 12.8284% | 1,034 |
| Retained earnings to average equity (ytd only) | -1.6782% | 5,143 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8305% | 3,692 |
| Assets per employee ($millions) | 4.1626% | 3,738 |
| Cash dividends to net income (ytd only)* | 113.0820% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 2,157 |
| Loan loss allowance to noncurrent loans | 268.7392% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 3,663 |
| Noncurrent loans to loans | 0.5141% | 3,275 |
| Net loans and leases to total assets | 74.1108% | 1,713 |
| Net loans and leases to deposits | 82.0337% | 2,506 |
| Net loans and leases to core deposits | 84.3669% | 2,863 |
| Total domestic deposits to total assets | 90.3419% | 530 |
| Equity capital to assets | 9.3991% | 4,391 |
| Core capital (leverage) ratio | 9.1875% | 4,498 |
| Tier 1 risk-based capital ratio | 12.0270% | 4,697 |
| Total risk-based capital ratio | 13.2783% | 4,592 |
| Memoranda: | ||
| Average total assets | $146,459,000 | 3,597 |
| Average earning assets | $136,639,000 | 3,582 |
| Average equity | $14,062,500 | 3,912 |
| Average total loans | $106,810,500 | 3,289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,192 |
| Cost of funding earning assets | 0.1660% | 5,309 |
| Net interest margin | 4.1184% | 1,337 |
| Noninterest income to average assets | 0.5906% | 2,709 |
| Noninterest expense to average assets | 2.9065% | 2,652 |
| Loan and lease loss provision to assets | 0.3381% | 520 |
| Net operating income to assets | 1.1707% | 1,602 |
| Return on assets (ROA) | 1.1707% | 1,699 |
| Pretax return on assets | 1.1707% | 2,805 |
| Return on Equity (ROE) | 12.0898% | 1,212 |
| Retained earnings to average equity (ytd only) | 11.3520% | 269 |
| Net charge-offs to loans | 0.5132% | 479 |
| Credit loss provision to net charge-offs | 95.6000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 4.2660% | 3,524 |
| Efficiency ratio | 65.8283% | 3,617 |
| Assets per employee ($millions) | 4.2078% | 3,609 |
| Cash dividends to net income (ytd only)* | 6.1027% | 4,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,032 |
| Loan loss allowance to noncurrent loans | 243.7607% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 3,637 |
| Noncurrent loans to loans | 0.5792% | 3,109 |
| Net loans and leases to total assets | 69.6059% | 2,541 |
| Net loans and leases to deposits | 77.4329% | 3,167 |
| Net loans and leases to core deposits | 78.6487% | 3,515 |
| Total domestic deposits to total assets | 89.8919% | 687 |
| Equity capital to assets | 9.8138% | 3,924 |
| Core capital (leverage) ratio | 9.5297% | 4,046 |
| Tier 1 risk-based capital ratio | 12.9445% | 4,108 |
| Total risk-based capital ratio | 14.1952% | 4,009 |
| Memoranda: | ||
| Average total assets | $141,371,400 | 3,649 |
| Average earning assets | $131,289,400 | 3,630 |
| Average equity | $13,689,200 | 3,994 |
| Average total loans | $97,421,400 | 3,435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 2,210 |
| Cost of funding earning assets | 0.1650% | 5,385 |
| Net interest margin | 4.1200% | 1,339 |
| Noninterest income to average assets | 0.6139% | 2,592 |
| Noninterest expense to average assets | 2.9485% | 2,465 |
| Loan and lease loss provision to assets | 0.1759% | 1,279 |
| Net operating income to assets | 1.3149% | 1,250 |
| Return on assets (ROA) | 1.3149% | 1,330 |
| Pretax return on assets | 1.3149% | 2,369 |
| Return on Equity (ROE) | 13.6256% | 893 |
| Retained earnings to average equity (ytd only) | 12.6355% | 241 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4181% | 3,518 |
| Assets per employee ($millions) | 4.2667% | 3,471 |
| Cash dividends to net income (ytd only)* | 7.2660% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 1,261 |
| Loan loss allowance to noncurrent loans | 92.4731% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 1,560 |
| Noncurrent loans to loans | 1.8195% | 1,128 |
| Net loans and leases to total assets | 67.8101% | 2,820 |
| Net loans and leases to deposits | 75.7936% | 3,420 |
| Net loans and leases to core deposits | 76.4803% | 3,790 |
| Total domestic deposits to total assets | 89.4668% | 684 |
| Equity capital to assets | 10.1533% | 3,979 |
| Core capital (leverage) ratio | 9.4787% | 4,206 |
| Tier 1 risk-based capital ratio | 13.2815% | 3,989 |
| Total risk-based capital ratio | 14.5355% | 3,898 |
| Memoranda: | ||
| Average total assets | $140,948,250 | 3,675 |
| Average earning assets | $130,870,500 | 3,660 |
| Average equity | $13,601,500 | 4,045 |
| Average total loans | $96,525,000 | 3,462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,400 |
| Cost of funding earning assets | 0.1682% | 5,428 |
| Net interest margin | 4.0634% | 1,468 |
| Noninterest income to average assets | 0.6511% | 2,363 |
| Noninterest expense to average assets | 2.9547% | 2,504 |
| Loan and lease loss provision to assets | 0.2043% | 1,049 |
| Net operating income to assets | 1.2624% | 1,384 |
| Return on assets (ROA) | 1.2624% | 1,504 |
| Pretax return on assets | 1.2624% | 2,556 |
| Return on Equity (ROE) | 13.3134% | 955 |
| Retained earnings to average equity (ytd only) | 13.3134% | 222 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8271% | 3,561 |
| Assets per employee ($millions) | 4.0174% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,499 |
| Loan loss allowance to noncurrent loans | 48.7446% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.3227% | 640 |
| Noncurrent loans to loans | 3.3073% | 416 |
| Net loans and leases to total assets | 69.0982% | 2,617 |
| Net loans and leases to deposits | 76.9576% | 3,273 |
| Net loans and leases to core deposits | 77.6520% | 3,672 |
| Total domestic deposits to total assets | 89.7874% | 568 |
| Equity capital to assets | 9.8891% | 4,351 |
| Core capital (leverage) ratio | 9.2549% | 4,515 |
| Tier 1 risk-based capital ratio | 12.4546% | 4,553 |
| Total risk-based capital ratio | 13.7080% | 4,461 |
| Memoranda: | ||
| Average total assets | $140,997,000 | 3,698 |
| Average earning assets | $130,826,330 | 3,678 |
| Average equity | $13,370,000 | 4,095 |
| Average total loans | $96,329,330 | 3,475 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,552 |
| Cost of funding earning assets | 0.1676% | 5,487 |
| Net interest margin | 4.0106% | 1,582 |
| Noninterest income to average assets | 0.7593% | 1,776 |
| Noninterest expense to average assets | 3.0030% | 2,382 |
| Loan and lease loss provision to assets | 0.1190% | 1,770 |
| Net operating income to assets | 1.3655% | 1,103 |
| Return on assets (ROA) | 1.3655% | 1,166 |
| Pretax return on assets | 1.3655% | 2,018 |
| Return on Equity (ROE) | 14.7147% | 717 |
| Retained earnings to average equity (ytd only) | 14.7147% | 270 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9192% | 3,645 |
| Assets per employee ($millions) | 4.4845% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,911 |
| Loan loss allowance to noncurrent loans | 92.5466% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 2,033 |
| Noncurrent loans to loans | 1.6400% | 1,397 |
| Net loans and leases to total assets | 65.3281% | 3,058 |
| Net loans and leases to deposits | 72.0689% | 3,646 |
| Net loans and leases to core deposits | 72.6790% | 4,009 |
| Total domestic deposits to total assets | 90.6467% | 380 |
| Equity capital to assets | 9.0445% | 5,127 |
| Core capital (leverage) ratio | 9.0730% | 4,766 |
| Tier 1 risk-based capital ratio | 12.0170% | 4,903 |
| Total risk-based capital ratio | 13.2688% | 4,820 |
| Memoranda: | ||
| Average total assets | $141,190,500 | 3,719 |
| Average earning assets | $131,252,000 | 3,694 |
| Average equity | $13,102,500 | 4,151 |
| Average total loans | $95,118,500 | 3,511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,469 |
| Cost of funding earning assets | 0.1933% | 5,335 |
| Net interest margin | 4.0325% | 1,614 |
| Noninterest income to average assets | 0.4718% | 3,520 |
| Noninterest expense to average assets | 3.1746% | 2,023 |
| Loan and lease loss provision to assets | 0.1696% | 1,351 |
| Net operating income to assets | 0.8612% | 3,061 |
| Return on assets (ROA) | 0.8863% | 3,031 |
| Pretax return on assets | 0.8863% | 3,902 |
| Return on Equity (ROE) | 9.2099% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.2099% | 605 |
| Net charge-offs to loans | 0.1016% | 2,397 |
| Credit loss provision to net charge-offs | 248.2759% | 1,164 |
| Earnings coverage of net charge-offs (x) | 15.0920% | 2,232 |
| Efficiency ratio | 75.4900% | 2,356 |
| Assets per employee ($millions) | 4.0725% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,714 |
| Loan loss allowance to noncurrent loans | 67.1926% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.3677% | 674 |
| Noncurrent loans to loans | 2.3407% | 814 |
| Net loans and leases to total assets | 67.4301% | 2,796 |
| Net loans and leases to deposits | 74.7807% | 3,400 |
| Net loans and leases to core deposits | 75.4808% | 3,803 |
| Total domestic deposits to total assets | 90.1705% | 558 |
| Equity capital to assets | 9.5393% | 4,507 |
| Core capital (leverage) ratio | 9.2016% | 4,616 |
| Tier 1 risk-based capital ratio | 12.2139% | 4,821 |
| Total risk-based capital ratio | 13.4661% | 4,719 |
| Memoranda: | ||
| Average total assets | $127,384,200 | 3,943 |
| Average earning assets | $117,942,200 | 3,926 |
| Average equity | $12,258,600 | 4,255 |
| Average total loans | $85,606,000 | 3,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,330 |
| Cost of funding earning assets | 0.1971% | 5,401 |
| Net interest margin | 4.0738% | 1,482 |
| Noninterest income to average assets | 0.4680% | 3,582 |
| Noninterest expense to average assets | 3.1594% | 2,062 |
| Loan and lease loss provision to assets | 0.2292% | 804 |
| Net operating income to assets | 0.8522% | 3,163 |
| Return on assets (ROA) | 0.8660% | 3,191 |
| Pretax return on assets | 0.8660% | 4,111 |
| Return on Equity (ROE) | 8.9779% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.9779% | 918 |
| Net charge-offs to loans | 0.1381% | 1,743 |
| Credit loss provision to net charge-offs | 248.2759% | 1,146 |
| Earnings coverage of net charge-offs (x) | 11.7123% | 2,467 |
| Efficiency ratio | 74.4995% | 2,468 |
| Assets per employee ($millions) | 3.6877% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 1,474 |
| Loan loss allowance to noncurrent loans | 71.4709% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.3654% | 761 |
| Noncurrent loans to loans | 2.3739% | 878 |
| Net loans and leases to total assets | 65.0007% | 3,155 |
| Net loans and leases to deposits | 72.3044% | 3,731 |
| Net loans and leases to core deposits | 73.1696% | 4,088 |
| Total domestic deposits to total assets | 89.8986% | 615 |
| Equity capital to assets | 9.7226% | 4,489 |
| Core capital (leverage) ratio | 9.1549% | 4,802 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,687 |
| Total risk-based capital ratio | 13.8459% | 4,591 |
| Memoranda: | ||
| Average total assets | $125,632,500 | 4,010 |
| Average earning assets | $116,350,250 | 3,998 |
| Average equity | $12,118,250 | 4,335 |
| Average total loans | $83,990,500 | 3,757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,160 |
| Cost of funding earning assets | 0.1989% | 5,444 |
| Net interest margin | 4.1033% | 1,343 |
| Noninterest income to average assets | 0.4515% | 3,698 |
| Noninterest expense to average assets | 3.1425% | 2,139 |
| Loan and lease loss provision to assets | 0.3470% | 385 |
| Net operating income to assets | 0.7728% | 3,525 |
| Return on assets (ROA) | 0.7937% | 3,516 |
| Pretax return on assets | 0.7937% | 4,339 |
| Return on Equity (ROE) | 8.2507% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.2507% | 1,167 |
| Net charge-offs to loans | 0.2083% | 1,217 |
| Credit loss provision to net charge-offs | 248.2759% | 1,057 |
| Earnings coverage of net charge-offs (x) | 8.0115% | 2,605 |
| Efficiency ratio | 73.7279% | 2,715 |
| Assets per employee ($millions) | 3.6687% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,641 |
| Loan loss allowance to noncurrent loans | 64.2413% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.8677% | 598 |
| Noncurrent loans to loans | 2.6226% | 838 |
| Net loans and leases to total assets | 67.7404% | 2,682 |
| Net loans and leases to deposits | 75.3682% | 3,333 |
| Net loans and leases to core deposits | 76.2999% | 3,737 |
| Total domestic deposits to total assets | 89.8793% | 710 |
| Equity capital to assets | 9.7711% | 4,316 |
| Core capital (leverage) ratio | 9.1639% | 4,740 |
| Tier 1 risk-based capital ratio | 12.2204% | 4,983 |
| Total risk-based capital ratio | 13.4731% | 4,885 |
| Memoranda: | ||
| Average total assets | $124,486,330 | 4,063 |
| Average earning assets | $115,615,000 | 4,038 |
| Average equity | $11,974,670 | 4,387 |
| Average total loans | $83,539,000 | 3,790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,000 |
| Cost of funding earning assets | 0.2026% | 5,487 |
| Net interest margin | 4.1277% | 1,211 |
| Noninterest income to average assets | 0.3919% | 4,069 |
| Noninterest expense to average assets | 3.1704% | 2,062 |
| Loan and lease loss provision to assets | 0.1542% | 1,317 |
| Net operating income to assets | 0.9283% | 2,616 |
| Return on assets (ROA) | 0.9283% | 2,737 |
| Pretax return on assets | 0.9283% | 3,783 |
| Return on Equity (ROE) | 9.7405% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.7405% | 985 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5468% | 2,726 |
| Assets per employee ($millions) | 3.9141% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 1,965 |
| Loan loss allowance to noncurrent loans | 67.1744% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 1,571 |
| Noncurrent loans to loans | 2.4153% | 1,016 |
| Net loans and leases to total assets | 66.1788% | 2,740 |
| Net loans and leases to deposits | 73.8005% | 3,338 |
| Net loans and leases to core deposits | 74.7098% | 3,716 |
| Total domestic deposits to total assets | 89.6727% | 917 |
| Equity capital to assets | 9.6008% | 4,637 |
| Core capital (leverage) ratio | 8.5579% | 5,464 |
| Tier 1 risk-based capital ratio | 12.2580% | 5,070 |
| Total risk-based capital ratio | 13.5104% | 4,978 |
| Memoranda: | ||
| Average total assets | $124,527,000 | 4,091 |
| Average earning assets | $116,482,500 | 4,054 |
| Average equity | $11,868,000 | 4,434 |
| Average total loans | $82,336,500 | 3,827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,533 |
| Cost of funding earning assets | 0.2195% | 5,598 |
| Net interest margin | 4.0994% | 1,582 |
| Noninterest income to average assets | 0.4592% | 3,783 |
| Noninterest expense to average assets | 3.2676% | 2,015 |
| Loan and lease loss provision to assets | 0.1506% | 1,743 |
| Net operating income to assets | 0.8887% | 2,928 |
| Return on assets (ROA) | 0.8887% | 3,010 |
| Pretax return on assets | 0.8887% | 3,938 |
| Return on Equity (ROE) | 9.8054% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.8054% | 548 |
| Net charge-offs to loans | 0.0185% | 4,483 |
| Credit loss provision to net charge-offs | 1,300.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 89.7143% | 573 |
| Efficiency ratio | 75.8694% | 2,523 |
| Assets per employee ($millions) | 3.7516% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,953 |
| Loan loss allowance to noncurrent loans | 75.9793% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 1,985 |
| Noncurrent loans to loans | 2.1587% | 1,249 |
| Net loans and leases to total assets | 63.8897% | 3,240 |
| Net loans and leases to deposits | 70.7913% | 3,808 |
| Net loans and leases to core deposits | 71.6662% | 4,160 |
| Total domestic deposits to total assets | 90.2507% | 628 |
| Equity capital to assets | 9.4593% | 4,767 |
| Core capital (leverage) ratio | 8.6339% | 5,402 |
| Tier 1 risk-based capital ratio | 13.5726% | 4,368 |
| Total risk-based capital ratio | 14.8271% | 4,301 |
| Memoranda: | ||
| Average total assets | $120,852,800 | 4,162 |
| Average earning assets | $113,432,400 | 4,103 |
| Average equity | $10,953,200 | 4,569 |
| Average total loans | $75,619,200 | 4,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,506 |
| Cost of funding earning assets | 0.2213% | 5,653 |
| Net interest margin | 4.1081% | 1,554 |
| Noninterest income to average assets | 0.4640% | 3,777 |
| Noninterest expense to average assets | 3.2524% | 2,026 |
| Loan and lease loss provision to assets | 0.1598% | 1,560 |
| Net operating income to assets | 0.9058% | 2,888 |
| Return on assets (ROA) | 0.9058% | 2,980 |
| Pretax return on assets | 0.9058% | 3,956 |
| Return on Equity (ROE) | 10.1077% | 2,167 |
| Retained earnings to average equity (ytd only) | 10.1077% | 678 |
| Net charge-offs to loans | -0.0090% | 5,406 |
| Credit loss provision to net charge-offs | -2,880.0000% | 6,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3213% | 2,615 |
| Assets per employee ($millions) | 3.6074% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,092 |
| Loan loss allowance to noncurrent loans | 107.2607% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,855 |
| Noncurrent loans to loans | 1.5494% | 2,094 |
| Net loans and leases to total assets | 62.7199% | 3,382 |
| Net loans and leases to deposits | 69.3533% | 3,988 |
| Net loans and leases to core deposits | 70.0569% | 4,315 |
| Total domestic deposits to total assets | 90.4354% | 556 |
| Equity capital to assets | 9.2238% | 5,123 |
| Core capital (leverage) ratio | 8.6780% | 5,468 |
| Tier 1 risk-based capital ratio | 13.3225% | 4,662 |
| Total risk-based capital ratio | 14.5762% | 4,593 |
| Memoranda: | ||
| Average total assets | $120,115,000 | 4,212 |
| Average earning assets | $112,684,000 | 4,153 |
| Average equity | $10,763,750 | 4,635 |
| Average total loans | $74,419,750 | 4,070 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,520 |
| Cost of funding earning assets | 0.2220% | 5,727 |
| Net interest margin | 4.0978% | 1,517 |
| Noninterest income to average assets | 0.4544% | 3,835 |
| Noninterest expense to average assets | 3.2665% | 2,004 |
| Loan and lease loss provision to assets | 0.1610% | 1,543 |
| Net operating income to assets | 0.8653% | 2,980 |
| Return on assets (ROA) | 0.8653% | 3,072 |
| Pretax return on assets | 0.8653% | 4,015 |
| Return on Equity (ROE) | 9.7536% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.7536% | 778 |
| Net charge-offs to loans | -0.0137% | 5,413 |
| Credit loss provision to net charge-offs | -1,920.0000% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0938% | 2,617 |
| Assets per employee ($millions) | 3.8157% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 2,164 |
| Loan loss allowance to noncurrent loans | 207.2848% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 4,316 |
| Noncurrent loans to loans | 0.8148% | 3,674 |
| Net loans and leases to total assets | 59.6849% | 3,773 |
| Net loans and leases to deposits | 65.8400% | 4,282 |
| Net loans and leases to core deposits | 66.5082% | 4,590 |
| Total domestic deposits to total assets | 90.6513% | 526 |
| Equity capital to assets | 9.0596% | 5,237 |
| Core capital (leverage) ratio | 8.6001% | 5,529 |
| Tier 1 risk-based capital ratio | 13.7096% | 4,443 |
| Total risk-based capital ratio | 14.9631% | 4,388 |
| Memoranda: | ||
| Average total assets | $119,270,000 | 4,257 |
| Average earning assets | $111,718,670 | 4,194 |
| Average equity | $10,580,670 | 4,688 |
| Average total loans | $73,151,000 | 4,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 2,029 |
| Cost of funding earning assets | 0.2242% | 5,806 |
| Net interest margin | 4.2052% | 1,203 |
| Noninterest income to average assets | 0.4446% | 3,827 |
| Noninterest expense to average assets | 3.4110% | 1,672 |
| Loan and lease loss provision to assets | 0.1629% | 1,492 |
| Net operating income to assets | 0.8180% | 3,062 |
| Return on assets (ROA) | 0.8180% | 3,134 |
| Pretax return on assets | 0.8180% | 4,038 |
| Return on Equity (ROE) | 9.3230% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.3230% | 1,154 |
| Net charge-offs to loans | -0.0495% | 5,800 |
| Credit loss provision to net charge-offs | -533.3333% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6662% | 2,522 |
| Assets per employee ($millions) | 3.7617% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 2,603 |
| Loan loss allowance to noncurrent loans | 190.2362% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 4,286 |
| Noncurrent loans to loans | 0.8529% | 3,762 |
| Net loans and leases to total assets | 60.8440% | 3,424 |
| Net loans and leases to deposits | 66.8581% | 3,989 |
| Net loans and leases to core deposits | 67.5418% | 4,353 |
| Total domestic deposits to total assets | 91.0048% | 564 |
| Equity capital to assets | 8.7269% | 5,427 |
| Core capital (leverage) ratio | 8.3762% | 5,774 |
| Tier 1 risk-based capital ratio | 13.3674% | 4,788 |
| Total risk-based capital ratio | 14.6213% | 4,721 |
| Memoranda: | ||
| Average total assets | $117,853,500 | 4,319 |
| Average earning assets | $110,624,000 | 4,258 |
| Average equity | $10,340,000 | 4,758 |
| Average total loans | $72,662,000 | 4,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,747 |
| Cost of funding earning assets | 0.2631% | 5,887 |
| Net interest margin | 3.8348% | 2,521 |
| Noninterest income to average assets | 0.3359% | 4,916 |
| Noninterest expense to average assets | 3.4213% | 1,837 |
| Loan and lease loss provision to assets | 0.1869% | 1,973 |
| Net operating income to assets | 0.2808% | 5,587 |
| Return on assets (ROA) | 0.2963% | 5,629 |
| Pretax return on assets | 0.2963% | 5,741 |
| Return on Equity (ROE) | 3.3866% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.3866% | 3,818 |
| Net charge-offs to loans | 0.0271% | 4,878 |
| Credit loss provision to net charge-offs | 1,205.5556% | 205 |
| Earnings coverage of net charge-offs (x) | 30.1667% | 1,186 |
| Efficiency ratio | 87.9734% | 1,219 |
| Assets per employee ($millions) | 3.7204% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 2,669 |
| Loan loss allowance to noncurrent loans | 157.8875% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 3,830 |
| Noncurrent loans to loans | 1.0286% | 3,458 |
| Net loans and leases to total assets | 60.4550% | 3,633 |
| Net loans and leases to deposits | 66.5343% | 4,238 |
| Net loans and leases to core deposits | 67.0836% | 4,608 |
| Total domestic deposits to total assets | 90.8629% | 629 |
| Equity capital to assets | 8.8224% | 5,233 |
| Core capital (leverage) ratio | 8.3142% | 5,859 |
| Tier 1 risk-based capital ratio | 13.2614% | 4,813 |
| Total risk-based capital ratio | 14.5078% | 4,758 |
| Memoranda: | ||
| Average total assets | $116,095,200 | 4,358 |
| Average earning assets | $107,568,000 | 4,322 |
| Average equity | $10,157,600 | 4,809 |
| Average total loans | $66,420,800 | 4,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,896 |
| Cost of funding earning assets | 0.2706% | 5,956 |
| Net interest margin | 3.7893% | 2,679 |
| Noninterest income to average assets | 0.3256% | 5,081 |
| Noninterest expense to average assets | 3.4122% | 1,799 |
| Loan and lease loss provision to assets | 0.1651% | 2,195 |
| Net operating income to assets | 0.2488% | 5,783 |
| Return on assets (ROA) | 0.2694% | 5,822 |
| Pretax return on assets | 0.2694% | 5,936 |
| Return on Equity (ROE) | 3.0860% | 5,575 |
| Retained earnings to average equity (ytd only) | 3.0860% | 4,473 |
| Net charge-offs to loans | -0.0674% | 6,396 |
| Credit loss provision to net charge-offs | -436.3636% | 6,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1819% | 1,067 |
| Assets per employee ($millions) | 3.7889% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 2,910 |
| Loan loss allowance to noncurrent loans | 154.7945% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 4,139 |
| Noncurrent loans to loans | 1.0469% | 3,706 |
| Net loans and leases to total assets | 58.4026% | 3,941 |
| Net loans and leases to deposits | 64.0827% | 4,510 |
| Net loans and leases to core deposits | 64.5993% | 4,833 |
| Total domestic deposits to total assets | 91.1363% | 476 |
| Equity capital to assets | 8.5572% | 5,673 |
| Core capital (leverage) ratio | 8.3957% | 5,862 |
| Tier 1 risk-based capital ratio | 13.3553% | 4,870 |
| Total risk-based capital ratio | 14.6176% | 4,794 |
| Memoranda: | ||
| Average total assets | $116,286,000 | 4,401 |
| Average earning assets | $107,421,500 | 4,370 |
| Average equity | $10,153,250 | 4,857 |
| Average total loans | $65,307,250 | 4,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 4,051 |
| Cost of funding earning assets | 0.2787% | 5,992 |
| Net interest margin | 3.7336% | 2,827 |
| Noninterest income to average assets | 0.2796% | 5,451 |
| Noninterest expense to average assets | 3.3962% | 1,831 |
| Loan and lease loss provision to assets | 0.1657% | 2,254 |
| Net operating income to assets | 0.1622% | 5,998 |
| Return on assets (ROA) | 0.1933% | 6,038 |
| Pretax return on assets | 0.1933% | 6,093 |
| Return on Equity (ROE) | 2.1988% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.1988% | 4,876 |
| Net charge-offs to loans | -0.1598% | 6,609 |
| Credit loss provision to net charge-offs | -188.2353% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1956% | 967 |
| Assets per employee ($millions) | 3.5432% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,051 |
| Loan loss allowance to noncurrent loans | 170.5426% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 3,581 |
| Noncurrent loans to loans | 0.9553% | 4,019 |
| Net loans and leases to total assets | 56.8038% | 4,164 |
| Net loans and leases to deposits | 62.2303% | 4,709 |
| Net loans and leases to core deposits | 62.7328% | 5,032 |
| Total domestic deposits to total assets | 91.2800% | 453 |
| Equity capital to assets | 8.4685% | 5,798 |
| Core capital (leverage) ratio | 8.3335% | 5,844 |
| Tier 1 risk-based capital ratio | 13.5113% | 4,761 |
| Total risk-based capital ratio | 14.7725% | 4,712 |
| Memoranda: | ||
| Average total assets | $115,895,670 | 4,444 |
| Average earning assets | $106,920,000 | 4,412 |
| Average equity | $10,187,330 | 4,894 |
| Average total loans | $63,833,670 | 4,547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 4,037 |
| Cost of funding earning assets | 0.2933% | 6,020 |
| Net interest margin | 3.7264% | 2,749 |
| Noninterest income to average assets | 0.2808% | 5,452 |
| Noninterest expense to average assets | 3.4079% | 1,818 |
| Loan and lease loss provision to assets | 0.1664% | 2,198 |
| Net operating income to assets | 0.1421% | 6,063 |
| Return on assets (ROA) | 0.1421% | 6,159 |
| Pretax return on assets | 0.1421% | 6,187 |
| Return on Equity (ROE) | 1.5876% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.5876% | 5,187 |
| Net charge-offs to loans | -0.1484% | 6,601 |
| Credit loss provision to net charge-offs | -208.6957% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6978% | 1,009 |
| Assets per employee ($millions) | 3.3876% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,413 |
| Loan loss allowance to noncurrent loans | 117.7215% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 3,772 |
| Noncurrent loans to loans | 1.3564% | 3,532 |
| Net loans and leases to total assets | 54.7365% | 4,283 |
| Net loans and leases to deposits | 60.2932% | 4,759 |
| Net loans and leases to core deposits | 60.7885% | 5,068 |
| Total domestic deposits to total assets | 90.7839% | 622 |
| Equity capital to assets | 8.9817% | 5,504 |
| Core capital (leverage) ratio | 8.2001% | 5,930 |
| Tier 1 risk-based capital ratio | 14.1756% | 4,381 |
| Total risk-based capital ratio | 15.4432% | 4,334 |
| Memoranda: | ||
| Average total assets | $115,380,000 | 4,498 |
| Average earning assets | $106,376,000 | 4,465 |
| Average equity | $10,330,000 | 4,925 |
| Average total loans | $61,991,000 | 4,631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 4,455 |
| Cost of funding earning assets | 0.3969% | 5,942 |
| Net interest margin | 3.8374% | 3,072 |
| Noninterest income to average assets | 0.3962% | 4,641 |
| Noninterest expense to average assets | 3.8009% | 1,253 |
| Loan and lease loss provision to assets | 0.8582% | 540 |
| Net operating income to assets | -0.7888% | 6,675 |
| Return on assets (ROA) | -0.6772% | 6,674 |
| Pretax return on assets | -0.6772% | 6,650 |
| Return on Equity (ROE) | -7.1347% | 6,661 |
| Retained earnings to average equity (ytd only) | -7.1347% | 6,536 |
| Net charge-offs to loans | 1.2157% | 830 |
| Credit loss provision to net charge-offs | 132.9149% | 2,111 |
| Earnings coverage of net charge-offs (x) | 0.1074% | 5,437 |
| Efficiency ratio | 98.2085% | 624 |
| Assets per employee ($millions) | 3.3994% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,369 |
| Loan loss allowance to noncurrent loans | 295.6522% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 4,850 |
| Noncurrent loans to loans | 0.5374% | 5,183 |
| Net loans and leases to total assets | 51.0136% | 5,031 |
| Net loans and leases to deposits | 56.1062% | 5,438 |
| Net loans and leases to core deposits | 56.5642% | 5,672 |
| Total domestic deposits to total assets | 90.9232% | 527 |
| Equity capital to assets | 8.9245% | 5,608 |
| Core capital (leverage) ratio | 8.4089% | 5,747 |
| Tier 1 risk-based capital ratio | 14.8010% | 3,834 |
| Total risk-based capital ratio | 16.0665% | 3,777 |
| Memoranda: | ||
| Average total assets | $111,052,200 | 4,572 |
| Average earning assets | $100,535,600 | 4,587 |
| Average equity | $10,540,000 | 4,860 |
| Average total loans | $58,979,200 | 4,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 4,420 |
| Cost of funding earning assets | 0.4212% | 5,977 |
| Net interest margin | 3.8880% | 2,956 |
| Noninterest income to average assets | 0.4221% | 4,463 |
| Noninterest expense to average assets | 3.9883% | 951 |
| Loan and lease loss provision to assets | 0.1031% | 4,290 |
| Net operating income to assets | -0.1650% | 6,468 |
| Return on assets (ROA) | -0.0146% | 6,422 |
| Pretax return on assets | -0.0146% | 6,409 |
| Return on Equity (ROE) | -0.1510% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.1510% | 6,109 |
| Net charge-offs to loans | 0.1907% | 3,591 |
| Credit loss provision to net charge-offs | 101.1905% | 2,918 |
| Earnings coverage of net charge-offs (x) | -0.6071% | 5,520 |
| Efficiency ratio | 101.5755% | 497 |
| Assets per employee ($millions) | 3.3381% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,898 |
| Loan loss allowance to noncurrent loans | 168.3099% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 3,795 |
| Noncurrent loans to loans | 0.7610% | 4,896 |
| Net loans and leases to total assets | 48.6938% | 5,467 |
| Net loans and leases to deposits | 53.9308% | 5,816 |
| Net loans and leases to core deposits | 54.3733% | 6,019 |
| Total domestic deposits to total assets | 90.2894% | 685 |
| Equity capital to assets | 9.4559% | 5,257 |
| Core capital (leverage) ratio | 8.9145% | 5,171 |
| Tier 1 risk-based capital ratio | 15.8554% | 3,344 |
| Total risk-based capital ratio | 17.0203% | 3,359 |
| Memoranda: | ||
| Average total assets | $109,920,000 | 4,640 |
| Average earning assets | $99,071,750 | 4,663 |
| Average equity | $10,596,250 | 4,890 |
| Average total loans | $58,745,500 | 4,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 3,731 |
| Cost of funding earning assets | 0.4475% | 5,988 |
| Net interest margin | 4.0607% | 2,245 |
| Noninterest income to average assets | 0.4985% | 3,930 |
| Noninterest expense to average assets | 4.0026% | 938 |
| Loan and lease loss provision to assets | 0.1564% | 3,564 |
| Net operating income to assets | -0.0221% | 6,351 |
| Return on assets (ROA) | 0.0809% | 6,345 |
| Pretax return on assets | 0.0809% | 6,355 |
| Return on Equity (ROE) | 0.8340% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.8340% | 5,729 |
| Net charge-offs to loans | 0.2816% | 2,911 |
| Credit loss provision to net charge-offs | 101.1905% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8690% | 4,617 |
| Efficiency ratio | 96.7541% | 677 |
| Assets per employee ($millions) | 3.1719% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 2,776 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.2880% | 5,060 |
| Net loans and leases to deposits | 58.1396% | 5,431 |
| Net loans and leases to core deposits | 58.6426% | 5,725 |
| Total domestic deposits to total assets | 89.9354% | 963 |
| Equity capital to assets | 9.7827% | 4,653 |
| Core capital (leverage) ratio | 9.1624% | 4,667 |
| Tier 1 risk-based capital ratio | 15.8560% | 3,240 |
| Total risk-based capital ratio | 17.0159% | 3,267 |
| Memoranda: | ||
| Average total assets | $108,728,330 | 4,702 |
| Average earning assets | $97,420,670 | 4,722 |
| Average equity | $10,551,000 | 4,902 |
| Average total loans | $59,666,670 | 4,804 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 3,111 |
| Cost of funding earning assets | 0.4635% | 6,058 |
| Net interest margin | 4.2210% | 1,699 |
| Noninterest income to average assets | 0.3444% | 5,103 |
| Noninterest expense to average assets | 3.7446% | 1,307 |
| Loan and lease loss provision to assets | 0.3114% | 2,017 |
| Net operating income to assets | 0.0586% | 6,320 |
| Return on assets (ROA) | 0.0586% | 6,436 |
| Pretax return on assets | 0.0586% | 6,446 |
| Return on Equity (ROE) | 0.6065% | 6,421 |
| Retained earnings to average equity (ytd only) | 0.6065% | 5,813 |
| Net charge-offs to loans | 0.2100% | 2,868 |
| Credit loss provision to net charge-offs | 265.6250% | 1,092 |
| Earnings coverage of net charge-offs (x) | 3.1563% | 2,940 |
| Efficiency ratio | 91.0062% | 1,017 |
| Assets per employee ($millions) | 3.3850% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 5,035 |
| Loan loss allowance to noncurrent loans | 130.2876% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,731 |
| Noncurrent loans to loans | 0.9960% | 4,684 |
| Net loans and leases to total assets | 52.4327% | 4,956 |
| Net loans and leases to deposits | 58.1219% | 5,358 |
| Net loans and leases to core deposits | 58.6034% | 5,662 |
| Total domestic deposits to total assets | 90.2117% | 964 |
| Equity capital to assets | 9.4660% | 4,857 |
| Core capital (leverage) ratio | 8.8859% | 5,010 |
| Tier 1 risk-based capital ratio | 14.8663% | 3,847 |
| Total risk-based capital ratio | 16.0358% | 3,862 |
| Memoranda: | ||
| Average total assets | $109,171,000 | 4,725 |
| Average earning assets | $97,512,000 | 4,765 |
| Average equity | $10,551,500 | 4,914 |
| Average total loans | $60,946,500 | 4,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 3,746 |
| Cost of funding earning assets | 0.5662% | 6,258 |
| Net interest margin | 4.2477% | 1,892 |
| Noninterest income to average assets | 0.4768% | 4,015 |
| Noninterest expense to average assets | 4.0906% | 920 |
| Loan and lease loss provision to assets | 0.3631% | 2,828 |
| Net operating income to assets | 0.0740% | 5,917 |
| Return on assets (ROA) | 0.0764% | 6,026 |
| Pretax return on assets | -0.1663% | 6,257 |
| Return on Equity (ROE) | 0.7393% | 6,015 |
| Retained earnings to average equity (ytd only) | -1.1090% | 6,023 |
| Net charge-offs to loans | 0.5158% | 2,927 |
| Credit loss provision to net charge-offs | 115.8537% | 2,806 |
| Earnings coverage of net charge-offs (x) | 0.6159% | 5,362 |
| Efficiency ratio | 95.4941% | 847 |
| Assets per employee ($millions) | 3.2314% | 5,650 |
| Cash dividends to net income (ytd only)* | 250.0000% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,642 |
| Loan loss allowance to noncurrent loans | 45.6979% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.5059% | 1,218 |
| Noncurrent loans to loans | 2.5083% | 2,618 |
| Net loans and leases to total assets | 57.9874% | 4,371 |
| Net loans and leases to deposits | 64.5476% | 4,931 |
| Net loans and leases to core deposits | 64.9381% | 5,369 |
| Total domestic deposits to total assets | 89.8365% | 1,080 |
| Equity capital to assets | 9.8737% | 4,337 |
| Core capital (leverage) ratio | 9.2557% | 4,385 |
| Tier 1 risk-based capital ratio | 14.6312% | 3,877 |
| Total risk-based capital ratio | 15.7048% | 3,980 |
| Memoranda: | ||
| Average total assets | $104,653,600 | 4,769 |
| Average earning assets | $93,791,000 | 4,815 |
| Average equity | $10,821,000 | 4,824 |
| Average total loans | $63,589,800 | 4,724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,411 |
| Cost of funding earning assets | 0.5924% | 6,313 |
| Net interest margin | 4.3409% | 1,582 |
| Noninterest income to average assets | 0.5056% | 3,829 |
| Noninterest expense to average assets | 3.7186% | 1,457 |
| Loan and lease loss provision to assets | 0.0768% | 5,483 |
| Net operating income to assets | 0.9281% | 2,633 |
| Return on assets (ROA) | 0.9281% | 2,783 |
| Pretax return on assets | 0.6029% | 4,800 |
| Return on Equity (ROE) | 8.8731% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.8731% | 1,191 |
| Net charge-offs to loans | 0.0292% | 5,736 |
| Credit loss provision to net charge-offs | 428.5714% | 657 |
| Earnings coverage of net charge-offs (x) | 37.9207% | 799 |
| Efficiency ratio | 84.5460% | 1,682 |
| Assets per employee ($millions) | 3.2117% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1108% | 2,056 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.0299% | 4,315 |
| Net loans and leases to deposits | 66.4782% | 4,831 |
| Net loans and leases to core deposits | 66.8855% | 5,324 |
| Total domestic deposits to total assets | 88.7958% | 1,547 |
| Equity capital to assets | 10.7976% | 3,362 |
| Core capital (leverage) ratio | 10.1274% | 3,277 |
| Tier 1 risk-based capital ratio | 15.8448% | 3,194 |
| Total risk-based capital ratio | 16.9059% | 3,273 |
| Memoranda: | ||
| Average total assets | $104,157,750 | 4,813 |
| Average earning assets | $93,404,500 | 4,862 |
| Average equity | $10,894,000 | 4,831 |
| Average total loans | $63,849,000 | 4,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 3,743 |
| Cost of funding earning assets | 0.6204% | 6,364 |
| Net interest margin | 4.2528% | 1,834 |
| Noninterest income to average assets | 0.5176% | 3,730 |
| Noninterest expense to average assets | 3.7606% | 1,423 |
| Loan and lease loss provision to assets | 0.0579% | 5,590 |
| Net operating income to assets | 0.4037% | 4,927 |
| Return on assets (ROA) | 0.4037% | 5,086 |
| Pretax return on assets | 0.5254% | 4,980 |
| Return on Equity (ROE) | 3.9027% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.9027% | 3,711 |
| Net charge-offs to loans | -0.0156% | 6,775 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5718% | 1,542 |
| Assets per employee ($millions) | 3.0591% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 6,075 |
| Loan loss allowance to noncurrent loans | 518.5185% | 644 |
| Noncurrent assets plus other real estate owned to assets | 3.2315% | 2,074 |
| Noncurrent loans to loans | 0.2056% | 6,499 |
| Net loans and leases to total assets | 62.4465% | 3,803 |
| Net loans and leases to deposits | 70.2390% | 4,408 |
| Net loans and leases to core deposits | 70.4837% | 5,011 |
| Total domestic deposits to total assets | 88.9058% | 1,594 |
| Equity capital to assets | 10.4501% | 3,574 |
| Core capital (leverage) ratio | 9.6613% | 3,717 |
| Tier 1 risk-based capital ratio | 15.0634% | 3,461 |
| Total risk-based capital ratio | 16.1074% | 3,546 |
| Memoranda: | ||
| Average total assets | $103,548,000 | 4,870 |
| Average earning assets | $93,162,330 | 4,904 |
| Average equity | $10,710,670 | 4,867 |
| Average total loans | $64,040,330 | 4,793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 3,856 |
| Cost of funding earning assets | 0.6268% | 6,488 |
| Net interest margin | 4.2160% | 1,849 |
| Noninterest income to average assets | 0.5072% | 3,826 |
| Noninterest expense to average assets | 3.7709% | 1,391 |
| Loan and lease loss provision to assets | 0.0581% | 5,273 |
| Net operating income to assets | 0.3755% | 5,047 |
| Return on assets (ROA) | 0.3755% | 5,129 |
| Pretax return on assets | 0.4801% | 5,089 |
| Return on Equity (ROE) | 3.6495% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.6495% | 3,984 |
| Net charge-offs to loans | -0.0190% | 6,551 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5112% | 1,566 |
| Assets per employee ($millions) | 3.0079% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 6,163 |
| Loan loss allowance to noncurrent loans | 153.6036% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 3.5117% | 1,939 |
| Noncurrent loans to loans | 0.6961% | 5,627 |
| Net loans and leases to total assets | 59.9375% | 4,277 |
| Net loans and leases to deposits | 67.1552% | 4,807 |
| Net loans and leases to core deposits | 67.1552% | 5,392 |
| Total domestic deposits to total assets | 89.2523% | 1,613 |
| Equity capital to assets | 10.1674% | 3,572 |
| Core capital (leverage) ratio | 9.5214% | 3,772 |
| Tier 1 risk-based capital ratio | 15.3799% | 3,222 |
| Total risk-based capital ratio | 16.4300% | 3,283 |
| Memoranda: | ||
| Average total assets | $103,317,500 | 4,908 |
| Average earning assets | $93,168,000 | 4,938 |
| Average equity | $10,631,500 | 4,886 |
| Average total loans | $63,235,500 | 4,860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 2,108 |
| Cost of funding earning assets | 0.8016% | 6,566 |
| Net interest margin | 4.7423% | 744 |
| Noninterest income to average assets | 0.3819% | 5,044 |
| Noninterest expense to average assets | 3.9979% | 1,164 |
| Loan and lease loss provision to assets | 0.1781% | 5,438 |
| Net operating income to assets | 0.3149% | 4,885 |
| Return on assets (ROA) | 0.3225% | 5,020 |
| Pretax return on assets | 0.4185% | 4,886 |
| Return on Equity (ROE) | 3.1282% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.1282% | 3,671 |
| Net charge-offs to loans | 0.4273% | 3,912 |
| Credit loss provision to net charge-offs | 62.2837% | 6,047 |
| Earnings coverage of net charge-offs (x) | 2.0519% | 4,192 |
| Efficiency ratio | 87.2033% | 1,550 |
| Assets per employee ($millions) | 2.9811% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 6,104 |
| Loan loss allowance to noncurrent loans | 1,278.8462% | 299 |
| Noncurrent assets plus other real estate owned to assets | 3.4482% | 2,022 |
| Noncurrent loans to loans | 0.0830% | 6,925 |
| Net loans and leases to total assets | 61.1926% | 4,457 |
| Net loans and leases to deposits | 68.7548% | 4,992 |
| Net loans and leases to core deposits | 68.7548% | 5,579 |
| Total domestic deposits to total assets | 89.0013% | 1,660 |
| Equity capital to assets | 10.4176% | 3,255 |
| Core capital (leverage) ratio | 9.7632% | 3,364 |
| Tier 1 risk-based capital ratio | 15.6724% | 2,911 |
| Total risk-based capital ratio | 16.7261% | 2,967 |
| Memoranda: | ||
| Average total assets | $101,077,000 | 4,954 |
| Average earning assets | $89,576,000 | 5,031 |
| Average equity | $10,421,200 | 5,002 |
| Average total loans | $67,629,800 | 4,762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 1,762 |
| Cost of funding earning assets | 0.8485% | 6,584 |
| Net interest margin | 4.8368% | 621 |
| Noninterest income to average assets | 0.3379% | 5,457 |
| Noninterest expense to average assets | 4.0419% | 997 |
| Loan and lease loss provision to assets | 0.2376% | 4,700 |
| Net operating income to assets | 0.2549% | 5,333 |
| Return on assets (ROA) | 0.2653% | 5,460 |
| Pretax return on assets | 0.3379% | 5,406 |
| Return on Equity (ROE) | 2.5801% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.5801% | 4,614 |
| Net charge-offs to loans | 0.5479% | 3,109 |
| Credit loss provision to net charge-offs | 63.6042% | 5,602 |
| Earnings coverage of net charge-offs (x) | 1.5053% | 4,600 |
| Efficiency ratio | 87.7867% | 1,468 |
| Assets per employee ($millions) | 3.0189% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,335 |
| Loan loss allowance to noncurrent loans | 554.5455% | 560 |
| Noncurrent assets plus other real estate owned to assets | 3.5473% | 2,005 |
| Noncurrent loans to loans | 0.1828% | 6,819 |
| Net loans and leases to total assets | 65.7753% | 3,739 |
| Net loans and leases to deposits | 74.0789% | 4,498 |
| Net loans and leases to core deposits | 74.0789% | 5,280 |
| Total domestic deposits to total assets | 88.7909% | 1,512 |
| Equity capital to assets | 10.5326% | 3,482 |
| Core capital (leverage) ratio | 9.6900% | 3,631 |
| Tier 1 risk-based capital ratio | 15.2607% | 3,123 |
| Total risk-based capital ratio | 16.3093% | 3,213 |
| Memoranda: | ||
| Average total assets | $101,007,000 | 5,013 |
| Average earning assets | $89,092,750 | 5,106 |
| Average equity | $10,386,750 | 5,090 |
| Average total loans | $68,865,250 | 4,797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 1,767 |
| Cost of funding earning assets | 0.8845% | 6,646 |
| Net interest margin | 4.8155% | 642 |
| Noninterest income to average assets | 0.4120% | 4,810 |
| Noninterest expense to average assets | 3.8613% | 1,244 |
| Loan and lease loss provision to assets | 0.3154% | 3,856 |
| Net operating income to assets | 0.3404% | 5,021 |
| Return on assets (ROA) | 0.3548% | 5,111 |
| Pretax return on assets | 0.4829% | 4,953 |
| Return on Equity (ROE) | 3.4778% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.4778% | 3,890 |
| Net charge-offs to loans | 0.7598% | 2,337 |
| Credit loss provision to net charge-offs | 60.3774% | 5,198 |
| Earnings coverage of net charge-offs (x) | 1.4906% | 4,367 |
| Efficiency ratio | 83.2201% | 2,013 |
| Assets per employee ($millions) | 3.0559% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 6,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3311% | 1,538 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.7430% | 3,883 |
| Net loans and leases to deposits | 73.6249% | 4,733 |
| Net loans and leases to core deposits | 73.6249% | 5,485 |
| Total domestic deposits to total assets | 89.2945% | 1,284 |
| Equity capital to assets | 10.0789% | 3,910 |
| Core capital (leverage) ratio | 9.5442% | 3,751 |
| Tier 1 risk-based capital ratio | 14.1152% | 3,658 |
| Total risk-based capital ratio | 15.0858% | 3,812 |
| Memoranda: | ||
| Average total assets | $101,468,000 | 5,040 |
| Average earning assets | $89,087,000 | 5,133 |
| Average equity | $10,351,330 | 5,100 |
| Average total loans | $69,754,000 | 4,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 1,419 |
| Cost of funding earning assets | 0.9283% | 6,665 |
| Net interest margin | 4.8837% | 540 |
| Noninterest income to average assets | 0.4030% | 4,894 |
| Noninterest expense to average assets | 4.0139% | 1,012 |
| Loan and lease loss provision to assets | 0.2394% | 4,129 |
| Net operating income to assets | 0.3032% | 5,290 |
| Return on assets (ROA) | 0.3032% | 5,417 |
| Pretax return on assets | 0.4110% | 5,258 |
| Return on Equity (ROE) | 2.9540% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.9540% | 4,354 |
| Net charge-offs to loans | 0.2452% | 3,477 |
| Credit loss provision to net charge-offs | 139.5349% | 2,536 |
| Earnings coverage of net charge-offs (x) | 3.7907% | 2,785 |
| Efficiency ratio | 86.0565% | 1,789 |
| Assets per employee ($millions) | 2.9915% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,767 |
| Loan loss allowance to noncurrent loans | 336.5957% | 914 |
| Noncurrent assets plus other real estate owned to assets | 4.7252% | 1,403 |
| Noncurrent loans to loans | 0.3421% | 6,619 |
| Net loans and leases to total assets | 66.7565% | 3,690 |
| Net loans and leases to deposits | 74.7718% | 4,632 |
| Net loans and leases to core deposits | 74.7718% | 5,420 |
| Total domestic deposits to total assets | 89.2803% | 1,378 |
| Equity capital to assets | 10.1406% | 3,682 |
| Core capital (leverage) ratio | 9.5352% | 3,713 |
| Tier 1 risk-based capital ratio | 14.1567% | 3,562 |
| Total risk-based capital ratio | 15.3183% | 3,574 |
| Memoranda: | ||
| Average total assets | $100,252,000 | 5,139 |
| Average earning assets | $87,475,500 | 5,258 |
| Average equity | $10,291,000 | 5,153 |
| Average total loans | $70,142,500 | 4,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1488% | 1,377 |
| Cost of funding earning assets | 1.1657% | 6,780 |
| Net interest margin | 4.9831% | 465 |
| Noninterest income to average assets | -0.0031% | 7,715 |
| Noninterest expense to average assets | 4.6102% | 711 |
| Loan and lease loss provision to assets | 0.5040% | 3,858 |
| Net operating income to assets | -0.4701% | 6,148 |
| Return on assets (ROA) | -0.4701% | 6,143 |
| Pretax return on assets | -0.7776% | 6,254 |
| Return on Equity (ROE) | -4.3604% | 6,145 |
| Retained earnings to average equity (ytd only) | -4.3604% | 5,920 |
| Net charge-offs to loans | 0.4693% | 3,902 |
| Credit loss provision to net charge-offs | 148.9362% | 3,127 |
| Earnings coverage of net charge-offs (x) | -0.8085% | 6,841 |
| Efficiency ratio | 106.3093% | 900 |
| Assets per employee ($millions) | 2.7443% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,991 |
| Loan loss allowance to noncurrent loans | 175.5102% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 5.0955% | 1,193 |
| Noncurrent loans to loans | 0.6160% | 6,013 |
| Net loans and leases to total assets | 71.6865% | 2,836 |
| Net loans and leases to deposits | 80.3262% | 3,928 |
| Net loans and leases to core deposits | 94.5100% | 4,626 |
| Total domestic deposits to total assets | 89.2443% | 1,364 |
| Equity capital to assets | 10.3933% | 3,291 |
| Core capital (leverage) ratio | 9.5887% | 3,612 |
| Tier 1 risk-based capital ratio | 13.7432% | 3,663 |
| Total risk-based capital ratio | 14.8554% | 3,694 |
| Memoranda: | ||
| Average total assets | $97,218,800 | 5,159 |
| Average earning assets | $84,666,600 | 5,308 |
| Average equity | $10,480,800 | 5,169 |
| Average total loans | $70,102,000 | 4,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1365% | 1,536 |
| Cost of funding earning assets | 1.1991% | 6,889 |
| Net interest margin | 4.9374% | 508 |
| Noninterest income to average assets | -0.1708% | 7,965 |
| Noninterest expense to average assets | 4.7135% | 607 |
| Loan and lease loss provision to assets | 0.5646% | 3,130 |
| Net operating income to assets | -0.7161% | 6,616 |
| Return on assets (ROA) | -0.7161% | 6,636 |
| Pretax return on assets | -1.1567% | 6,793 |
| Return on Equity (ROE) | -6.5817% | 6,621 |
| Retained earnings to average equity (ytd only) | -6.5817% | 6,460 |
| Net charge-offs to loans | 0.3958% | 3,681 |
| Credit loss provision to net charge-offs | 198.0676% | 2,263 |
| Earnings coverage of net charge-offs (x) | -2.0773% | 6,751 |
| Efficiency ratio | 114.3669% | 684 |
| Assets per employee ($millions) | 2.6286% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,532 |
| Loan loss allowance to noncurrent loans | 78.8406% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 4.7955% | 1,237 |
| Noncurrent loans to loans | 1.4343% | 4,519 |
| Net loans and leases to total assets | 73.3585% | 2,698 |
| Net loans and leases to deposits | 82.3650% | 3,944 |
| Net loans and leases to core deposits | 95.2373% | 4,903 |
| Total domestic deposits to total assets | 89.0652% | 1,166 |
| Equity capital to assets | 10.4876% | 3,529 |
| Core capital (leverage) ratio | 9.6364% | 3,731 |
| Tier 1 risk-based capital ratio | 13.5406% | 3,820 |
| Total risk-based capital ratio | 14.7035% | 3,827 |
| Memoranda: | ||
| Average total assets | $96,825,000 | 5,221 |
| Average earning assets | $84,171,500 | 5,370 |
| Average equity | $10,534,000 | 5,187 |
| Average total loans | $69,728,500 | 4,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 1,339 |
| Cost of funding earning assets | 1.2574% | 6,936 |
| Net interest margin | 4.9890% | 443 |
| Noninterest income to average assets | -0.1179% | 8,040 |
| Noninterest expense to average assets | 4.5387% | 749 |
| Loan and lease loss provision to assets | 0.5999% | 2,650 |
| Net operating income to assets | -0.5627% | 6,613 |
| Return on assets (ROA) | -0.5627% | 6,621 |
| Pretax return on assets | -0.9392% | 6,773 |
| Return on Equity (ROE) | -5.1102% | 6,620 |
| Retained earnings to average equity (ytd only) | -5.1102% | 6,317 |
| Net charge-offs to loans | 0.6152% | 2,499 |
| Credit loss provision to net charge-offs | 136.7925% | 3,418 |
| Earnings coverage of net charge-offs (x) | -0.7736% | 6,169 |
| Efficiency ratio | 108.0788% | 907 |
| Assets per employee ($millions) | 2.4782% | 7,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 6,581 |
| Loan loss allowance to noncurrent loans | 60.8811% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 5.6796% | 877 |
| Noncurrent loans to loans | 1.5514% | 4,170 |
| Net loans and leases to total assets | 73.1070% | 2,938 |
| Net loans and leases to deposits | 82.1586% | 4,200 |
| Net loans and leases to core deposits | 93.1082% | 5,227 |
| Total domestic deposits to total assets | 88.9827% | 1,278 |
| Equity capital to assets | 10.5331% | 3,360 |
| Core capital (leverage) ratio | 9.9715% | 3,324 |
| Tier 1 risk-based capital ratio | 13.4755% | 3,826 |
| Total risk-based capital ratio | 14.4307% | 3,937 |
| Memoranda: | ||
| Average total assets | $96,680,670 | 5,261 |
| Average earning assets | $83,664,670 | 5,424 |
| Average equity | $10,645,330 | 5,173 |
| Average total loans | $68,917,000 | 4,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4799% | 903 |
| Cost of funding earning assets | 1.3135% | 6,982 |
| Net interest margin | 5.1664% | 297 |
| Noninterest income to average assets | 0.3143% | 5,931 |
| Noninterest expense to average assets | 4.4878% | 716 |
| Loan and lease loss provision to assets | 0.1257% | 5,348 |
| Net operating income to assets | 0.1592% | 5,791 |
| Return on assets (ROA) | 0.1592% | 5,958 |
| Pretax return on assets | 0.1509% | 6,047 |
| Return on Equity (ROE) | 1.4143% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.4143% | 5,067 |
| Net charge-offs to loans | 0.0419% | 4,896 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 2,063 |
| Efficiency ratio | 94.1953% | 1,420 |
| Assets per employee ($millions) | 2.4474% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,548 |
| Loan loss allowance to noncurrent loans | 25.6452% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 6.8513% | 510 |
| Noncurrent loans to loans | 3.6682% | 1,707 |
| Net loans and leases to total assets | 68.4138% | 4,041 |
| Net loans and leases to deposits | 77.4156% | 5,023 |
| Net loans and leases to core deposits | 88.3817% | 5,698 |
| Total domestic deposits to total assets | 88.3721% | 1,532 |
| Equity capital to assets | 10.9894% | 2,973 |
| Core capital (leverage) ratio | 10.4756% | 2,957 |
| Tier 1 risk-based capital ratio | 14.6720% | 3,217 |
| Total risk-based capital ratio | 15.5997% | 3,320 |
| Memoranda: | ||
| Average total assets | $95,458,000 | 5,317 |
| Average earning assets | $82,224,000 | 5,481 |
| Average equity | $10,747,500 | 5,168 |
| Average total loans | $66,796,000 | 5,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7935% | 1,699 |
| Cost of funding earning assets | 1.6215% | 7,401 |
| Net interest margin | 5.1720% | 358 |
| Noninterest income to average assets | 0.3279% | 6,098 |
| Noninterest expense to average assets | 4.5003% | 880 |
| Loan and lease loss provision to assets | 0.1770% | 5,126 |
| Net operating income to assets | 0.2937% | 5,565 |
| Return on assets (ROA) | 0.5028% | 4,568 |
| Pretax return on assets | 0.6142% | 4,650 |
| Return on Equity (ROE) | 4.6011% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.6011% | 2,264 |
| Net charge-offs to loans | 0.2262% | 3,976 |
| Credit loss provision to net charge-offs | 116.4384% | 4,630 |
| Earnings coverage of net charge-offs (x) | 3.5274% | 4,326 |
| Efficiency ratio | 89.3551% | 1,570 |
| Assets per employee ($millions) | 2.3256% | 7,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,513 |
| Loan loss allowance to noncurrent loans | 398.0519% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 4.9827% | 702 |
| Noncurrent loans to loans | 0.2334% | 6,682 |
| Net loans and leases to total assets | 70.2737% | 3,955 |
| Net loans and leases to deposits | 79.9281% | 5,061 |
| Net loans and leases to core deposits | 92.6065% | 5,579 |
| Total domestic deposits to total assets | 87.9211% | 1,500 |
| Equity capital to assets | 11.5424% | 2,608 |
| Core capital (leverage) ratio | 10.4722% | 2,997 |
| Tier 1 risk-based capital ratio | 14.2305% | 3,428 |
| Total risk-based capital ratio | 15.1010% | 3,538 |
| Memoranda: | ||
| Average total assets | $96,060,600 | 5,168 |
| Average earning assets | $87,451,000 | 5,166 |
| Average equity | $10,497,400 | 5,266 |
| Average total loans | $64,556,200 | 5,076 |