Home > Magnolia Bank, Incorporated > Performance and Condition Ratios
Magnolia Bank, Incorporated, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 1,343 |
| Cost of funding earning assets | 2.4765% | 899 |
| Net interest margin | 3.4145% | 2,535 |
| Noninterest income to average assets | 9.3300% | 100 |
| Noninterest expense to average assets | 12.4201% | 98 |
| Loan and lease loss provision to assets | -0.0300% | 4,225 |
| Net operating income to assets | 0.0249% | 4,140 |
| Return on assets (ROA) | 0.0249% | 4,167 |
| Pretax return on assets | 0.1723% | 4,057 |
| Return on Equity (ROE) | 0.2400% | 4,165 |
| Retained earnings to average equity (ytd only) | -12.6926% | 4,301 |
| 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 | 98.8789% | 283 |
| Assets per employee ($millions) | 1.4576% | 4,350 |
| Cash dividends to net income (ytd only)* | 5,333.3333% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 905 |
| Loan loss allowance to noncurrent loans | 161.3054% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 1,018 |
| Noncurrent loans to loans | 0.9602% | 1,108 |
| Net loans and leases to total assets | 76.7000% | 992 |
| Net loans and leases to deposits | 91.8229% | 945 |
| Net loans and leases to core deposits | 122.8053% | 473 |
| Total domestic deposits to total assets | 83.5300% | 3,026 |
| Equity capital to assets | 10.1035% | 2,153 |
| Core capital (leverage) ratio | 11.0823% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $482,894,000 | 1,820 |
| Average earning assets | $457,104,500 | 1,792 |
| Average equity | $49,477,500 | 1,766 |
| Average total loans | $377,811,000 | 1,622 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9684% | 1,331 |
| Cost of funding earning assets | 2.6476% | 897 |
| Net interest margin | 3.3208% | 2,463 |
| Noninterest income to average assets | 10.7000% | 106 |
| Noninterest expense to average assets | 11.6816% | 104 |
| Loan and lease loss provision to assets | 0.3200% | 373 |
| Net operating income to assets | 1.5509% | 836 |
| Return on assets (ROA) | 0.8934% | 2,413 |
| Pretax return on assets | 1.0507% | 2,389 |
| Return on Equity (ROE) | 9.2500% | 2,389 |
| Retained earnings to average equity (ytd only) | 6.1039% | 1,785 |
| Net charge-offs to loans | 0.0075% | 2,640 |
| Credit loss provision to net charge-offs | 6,442.3077% | 78 |
| Earnings coverage of net charge-offs (x) | 407.6923% | 304 |
| Efficiency ratio | 84.4652% | 766 |
| Assets per employee ($millions) | 1.5855% | 4,368 |
| Cash dividends to net income (ytd only)* | 34.0290% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 872 |
| Loan loss allowance to noncurrent loans | 164.9201% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 999 |
| Noncurrent loans to loans | 0.9455% | 1,058 |
| Net loans and leases to total assets | 77.3500% | 970 |
| Net loans and leases to deposits | 92.5446% | 986 |
| Net loans and leases to core deposits | 133.2064% | 328 |
| Total domestic deposits to total assets | 83.5800% | 2,890 |
| Equity capital to assets | 10.3900% | 1,900 |
| Core capital (leverage) ratio | 10.7667% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $493,375,400 | 1,787 |
| Average earning assets | $464,948,600 | 1,765 |
| Average equity | $47,641,600 | 1,769 |
| Average total loans | $346,662,200 | 1,696 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 1,432 |
| Cost of funding earning assets | 2.6086% | 968 |
| Net interest margin | 3.2646% | 2,528 |
| Noninterest income to average assets | 10.7200% | 93 |
| Noninterest expense to average assets | 11.1970% | 101 |
| Loan and lease loss provision to assets | 0.3200% | 325 |
| Net operating income to assets | 2.1279% | 355 |
| Return on assets (ROA) | 1.9024% | 506 |
| Pretax return on assets | 2.0385% | 610 |
| Return on Equity (ROE) | 20.0700% | 425 |
| Retained earnings to average equity (ytd only) | 15.8217% | 206 |
| Net charge-offs to loans | 0.0004% | 2,832 |
| Credit loss provision to net charge-offs | 122,800.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 9,686.0000% | 4 |
| Efficiency ratio | 81.1527% | 1,006 |
| Assets per employee ($millions) | 1.6671% | 4,397 |
| Cash dividends to net income (ytd only)* | 21.1685% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 944 |
| Loan loss allowance to noncurrent loans | 153.4831% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 984 |
| Noncurrent loans to loans | 1.0076% | 989 |
| Net loans and leases to total assets | 70.7300% | 1,759 |
| Net loans and leases to deposits | 92.3912% | 1,002 |
| Net loans and leases to core deposits | 128.4428% | 418 |
| Total domestic deposits to total assets | 76.5500% | 3,877 |
| Equity capital to assets | 10.3939% | 2,053 |
| Core capital (leverage) ratio | 11.4216% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $496,618,500 | 1,773 |
| Average earning assets | $467,424,750 | 1,755 |
| Average equity | $47,073,500 | 1,782 |
| Average total loans | $338,962,750 | 1,714 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 1,426 |
| Cost of funding earning assets | 2.3624% | 1,323 |
| Net interest margin | 3.4622% | 2,044 |
| Noninterest income to average assets | 10.6600% | 97 |
| Noninterest expense to average assets | 10.6611% | 107 |
| Loan and lease loss provision to assets | 0.3900% | 237 |
| Net operating income to assets | 2.7955% | 181 |
| Return on assets (ROA) | 2.4403% | 248 |
| Pretax return on assets | 2.5005% | 332 |
| Return on Equity (ROE) | 26.5900% | 188 |
| Retained earnings to average equity (ytd only) | 26.5890% | 51 |
| Net charge-offs to loans | 0.0060% | 2,206 |
| Credit loss provision to net charge-offs | 8,160.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 811.1000% | 136 |
| Efficiency ratio | 76.6045% | 1,409 |
| Assets per employee ($millions) | 1.7538% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,467 |
| Loan loss allowance to noncurrent loans | 3,151.8750% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,491 |
| Noncurrent loans to loans | 0.0435% | 3,463 |
| Net loans and leases to total assets | 71.2700% | 1,752 |
| Net loans and leases to deposits | 93.0848% | 1,021 |
| Net loans and leases to core deposits | 132.7736% | 357 |
| Total domestic deposits to total assets | 76.5600% | 3,847 |
| Equity capital to assets | 9.5921% | 2,334 |
| Core capital (leverage) ratio | 11.3613% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $498,224,667 | 1,768 |
| Average earning assets | $468,254,667 | 1,743 |
| Average equity | $45,725,667 | 1,800 |
| Average total loans | $334,179,000 | 1,731 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 1,737 |
| Cost of funding earning assets | 2.3070% | 1,322 |
| Net interest margin | 3.2343% | 2,492 |
| Noninterest income to average assets | 11.2300% | 92 |
| Noninterest expense to average assets | 10.0317% | 112 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 3.8788% | 103 |
| Return on assets (ROA) | 3.1535% | 148 |
| Pretax return on assets | 3.1892% | 185 |
| Return on Equity (ROE) | 35.1800% | 93 |
| Retained earnings to average equity (ytd only) | 35.1797% | 46 |
| Net charge-offs to loans | 0.0063% | 1,865 |
| Credit loss provision to net charge-offs | 6,800.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,042.6000% | 83 |
| Efficiency ratio | 70.3436% | 2,116 |
| Assets per employee ($millions) | 1.8137% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 1,474 |
| Loan loss allowance to noncurrent loans | 2,839.7516% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,500 |
| Noncurrent loans to loans | 0.0484% | 3,404 |
| Net loans and leases to total assets | 64.6500% | 2,406 |
| Net loans and leases to deposits | 79.4794% | 2,110 |
| Net loans and leases to core deposits | 116.9555% | 722 |
| Total domestic deposits to total assets | 81.3400% | 3,310 |
| Equity capital to assets | 9.1331% | 2,583 |
| Core capital (leverage) ratio | 11.2431% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $493,038,000 | 1,782 |
| Average earning assets | $461,555,000 | 1,769 |
| Average equity | $44,196,000 | 1,831 |
| Average total loans | $317,509,000 | 1,778 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 2,535 |
| Cost of funding earning assets | 1.6467% | 1,582 |
| Net interest margin | 3.1244% | 3,037 |
| Noninterest income to average assets | 6.0400% | 115 |
| Noninterest expense to average assets | 8.8770% | 123 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | -0.1064% | 4,430 |
| Return on assets (ROA) | -0.1447% | 4,428 |
| Pretax return on assets | -0.1088% | 4,403 |
| Return on Equity (ROE) | -1.6300% | 4,409 |
| Retained earnings to average equity (ytd only) | -1.6272% | 4,238 |
| Net charge-offs to loans | 0.0047% | 2,552 |
| Credit loss provision to net charge-offs | 4,041.6667% | 128 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 2,093 |
| Efficiency ratio | 99.5848% | 195 |
| Assets per employee ($millions) | 1.8323% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,389 |
| Loan loss allowance to noncurrent loans | 7,703.6364% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,697 |
| Noncurrent loans to loans | 0.0182% | 3,616 |
| Net loans and leases to total assets | 62.2900% | 2,651 |
| Net loans and leases to deposits | 74.7989% | 2,557 |
| Net loans and leases to core deposits | 108.4252% | 1,018 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 8.7845% | 2,840 |
| Core capital (leverage) ratio | 10.6472% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $451,176,000 | 1,855 |
| Average earning assets | $414,642,200 | 1,858 |
| Average equity | $40,131,000 | 1,884 |
| Average total loans | $257,766,600 | 1,965 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 2,607 |
| Cost of funding earning assets | 1.5051% | 1,589 |
| Net interest margin | 3.1250% | 3,092 |
| Noninterest income to average assets | 6.0600% | 113 |
| Noninterest expense to average assets | 9.0764% | 120 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | -0.5228% | 4,537 |
| Return on assets (ROA) | -0.5747% | 4,530 |
| Pretax return on assets | -0.5492% | 4,519 |
| Return on Equity (ROE) | -6.4400% | 4,515 |
| Retained earnings to average equity (ytd only) | -6.4425% | 4,454 |
| Net charge-offs to loans | 0.0043% | 2,329 |
| Credit loss provision to net charge-offs | 14,487.5000% | 28 |
| Earnings coverage of net charge-offs (x) | -62.3750% | 4,622 |
| Efficiency ratio | 101.6767% | 158 |
| Assets per employee ($millions) | 1.8089% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 655 |
| Loan loss allowance to noncurrent loans | 6,301.2821% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,665 |
| Noncurrent loans to loans | 0.0276% | 3,572 |
| Net loans and leases to total assets | 59.5200% | 2,893 |
| Net loans and leases to deposits | 69.0609% | 2,910 |
| Net loans and leases to core deposits | 101.9527% | 1,218 |
| Total domestic deposits to total assets | 86.1800% | 2,141 |
| Equity capital to assets | 7.8949% | 3,124 |
| Core capital (leverage) ratio | 10.9060% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $444,513,000 | 1,876 |
| Average earning assets | $407,837,000 | 1,883 |
| Average equity | $39,652,500 | 1,885 |
| Average total loans | $246,671,750 | 2,017 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 2,774 |
| Cost of funding earning assets | 1.4503% | 1,336 |
| Net interest margin | 2.9992% | 3,432 |
| Noninterest income to average assets | 5.9600% | 110 |
| Noninterest expense to average assets | 9.5089% | 110 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | -0.9127% | 4,596 |
| Return on assets (ROA) | -0.9919% | 4,597 |
| Pretax return on assets | -0.9919% | 4,587 |
| Return on Equity (ROE) | -10.7700% | 4,581 |
| Retained earnings to average equity (ytd only) | -10.7686% | 4,525 |
| Net charge-offs to loans | 0.0060% | 2,034 |
| Credit loss provision to net charge-offs | 3,442.8571% | 154 |
| Earnings coverage of net charge-offs (x) | -250.2857% | 4,663 |
| Efficiency ratio | 109.2147% | 101 |
| Assets per employee ($millions) | 1.7047% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 720 |
| Loan loss allowance to noncurrent loans | 1,480.7407% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,134 |
| Noncurrent loans to loans | 0.1161% | 2,896 |
| Net loans and leases to total assets | 53.4200% | 3,312 |
| Net loans and leases to deposits | 59.6133% | 3,446 |
| Net loans and leases to core deposits | 89.8320% | 1,809 |
| Total domestic deposits to total assets | 89.6100% | 1,048 |
| Equity capital to assets | 8.9348% | 2,560 |
| Core capital (leverage) ratio | 11.2495% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $436,747,667 | 1,893 |
| Average earning assets | $399,644,000 | 1,909 |
| Average equity | $40,228,000 | 1,873 |
| Average total loans | $234,670,333 | 2,078 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,945 |
| Cost of funding earning assets | 1.5748% | 732 |
| Net interest margin | 2.6685% | 4,117 |
| Noninterest income to average assets | 6.3800% | 114 |
| Noninterest expense to average assets | 8.8498% | 123 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.0139% | 4,502 |
| Return on assets (ROA) | -0.1378% | 4,525 |
| Pretax return on assets | -0.1895% | 4,522 |
| Return on Equity (ROE) | -1.4700% | 4,496 |
| Retained earnings to average equity (ytd only) | -1.4748% | 4,166 |
| Net charge-offs to loans | 0.0034% | 1,884 |
| Credit loss provision to net charge-offs | 550.0000% | 527 |
| Earnings coverage of net charge-offs (x) | -12.5000% | 4,666 |
| Efficiency ratio | 100.2568% | 167 |
| Assets per employee ($millions) | 1.7755% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 948 |
| Loan loss allowance to noncurrent loans | 9,432.5000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,780 |
| Noncurrent loans to loans | 0.0173% | 3,671 |
| Net loans and leases to total assets | 52.7800% | 3,291 |
| Net loans and leases to deposits | 59.4509% | 3,370 |
| Net loans and leases to core deposits | 90.3882% | 1,596 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 9.6341% | 2,044 |
| Core capital (leverage) ratio | 11.4770% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $441,183,000 | 1,903 |
| Average earning assets | $404,876,500 | 1,920 |
| Average equity | $41,227,000 | 1,860 |
| Average total loans | $235,724,500 | 2,092 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0856% | 4,016 |
| Cost of funding earning assets | 0.5884% | 945 |
| Net interest margin | 2.4973% | 4,292 |
| Noninterest income to average assets | 9.9600% | 99 |
| Noninterest expense to average assets | 12.5630% | 95 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | -0.3608% | 4,631 |
| Return on assets (ROA) | -0.3608% | 4,620 |
| Pretax return on assets | -0.3242% | 4,605 |
| Return on Equity (ROE) | -3.3600% | 4,608 |
| Retained earnings to average equity (ytd only) | -13.5794% | 4,665 |
| Net charge-offs to loans | -0.0037% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 102.5640% | 132 |
| Assets per employee ($millions) | 1.8106% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,683 |
| Loan loss allowance to noncurrent loans | 1,125.3472% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,163 |
| Noncurrent loans to loans | 0.1200% | 2,922 |
| Net loans and leases to total assets | 52.7200% | 3,306 |
| Net loans and leases to deposits | 63.4759% | 3,083 |
| Net loans and leases to core deposits | 94.2711% | 1,281 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 8.9426% | 2,395 |
| Core capital (leverage) ratio | 11.0239% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $453,412,200 | 1,846 |
| Average earning assets | $415,731,400 | 1,858 |
| Average equity | $48,684,200 | 1,656 |
| Average total loans | $218,979,200 | 2,113 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7687% | 4,224 |
| Cost of funding earning assets | 0.4121% | 1,213 |
| Net interest margin | 2.3566% | 4,367 |
| Noninterest income to average assets | 11.3900% | 96 |
| Noninterest expense to average assets | 13.5859% | 89 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.1038% | 4,624 |
| Return on assets (ROA) | -0.1038% | 4,602 |
| Pretax return on assets | -0.0531% | 4,584 |
| Return on Equity (ROE) | -0.9300% | 4,588 |
| Retained earnings to average equity (ytd only) | -3.4870% | 4,556 |
| Net charge-offs to loans | -0.0062% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.2923% | 154 |
| Assets per employee ($millions) | 1.5616% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,182 |
| Loan loss allowance to noncurrent loans | 1,672.1649% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,481 |
| Noncurrent loans to loans | 0.0922% | 3,222 |
| Net loans and leases to total assets | 45.4200% | 3,796 |
| Net loans and leases to deposits | 53.6048% | 3,625 |
| Net loans and leases to core deposits | 80.6423% | 1,859 |
| Total domestic deposits to total assets | 84.7300% | 3,347 |
| Equity capital to assets | 9.5549% | 1,846 |
| Core capital (leverage) ratio | 12.0146% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $454,507,750 | 1,854 |
| Average earning assets | $416,062,500 | 1,873 |
| Average equity | $50,816,500 | 1,630 |
| Average total loans | $213,736,250 | 2,143 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6145% | 4,264 |
| Cost of funding earning assets | 0.3265% | 1,469 |
| Net interest margin | 2.2881% | 4,344 |
| Noninterest income to average assets | 12.9639% | 48 |
| Noninterest expense to average assets | 14.6700% | 48 |
| Loan and lease loss provision to assets | 0.0097% | 2,417 |
| Net operating income to assets | 0.2978% | 4,292 |
| Return on assets (ROA) | 0.2978% | 4,241 |
| Pretax return on assets | 0.3775% | 4,189 |
| Return on Equity (ROE) | 2.5398% | 4,288 |
| Retained earnings to average equity (ytd only) | -1.1234% | 4,304 |
| Net charge-offs to loans | -0.0140% | 3,734 |
| Credit loss provision to net charge-offs | -146.6667% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4284% | 226 |
| Assets per employee ($millions) | 1.4644% | 4,718 |
| Cash dividends to net income (ytd only)* | 144.2308% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,644.8980% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,550 |
| Noncurrent loans to loans | 0.0977% | 3,272 |
| Net loans and leases to total assets | 43.6208% | 3,861 |
| Net loans and leases to deposits | 52.4332% | 3,652 |
| Net loans and leases to core deposits | 77.3736% | 1,899 |
| Total domestic deposits to total assets | 83.1930% | 3,840 |
| Equity capital to assets | 10.8624% | 1,276 |
| Core capital (leverage) ratio | 12.3815% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,015,667 | 1,864 |
| Average earning assets | $415,368,333 | 1,899 |
| Average equity | $53,232,333 | 1,603 |
| Average total loans | $214,867,000 | 2,146 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6216% | 4,089 |
| Cost of funding earning assets | 0.2940% | 1,710 |
| Net interest margin | 2.3277% | 4,192 |
| Noninterest income to average assets | 13.9684% | 45 |
| Noninterest expense to average assets | 14.6923% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3079% | 987 |
| Return on assets (ROA) | 1.3079% | 976 |
| Pretax return on assets | 1.4073% | 1,234 |
| Return on Equity (ROE) | 10.7613% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.7613% | 829 |
| Net charge-offs to loans | -0.0288% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2587% | 495 |
| Assets per employee ($millions) | 1.2109% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,650 |
| Loan loss allowance to noncurrent loans | 655.0102% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 3,053 |
| Noncurrent loans to loans | 0.2245% | 2,699 |
| Net loans and leases to total assets | 47.3974% | 3,452 |
| Net loans and leases to deposits | 57.7558% | 3,099 |
| Net loans and leases to core deposits | 87.4099% | 1,056 |
| Total domestic deposits to total assets | 82.0651% | 4,066 |
| Equity capital to assets | 11.7674% | 1,032 |
| Core capital (leverage) ratio | 12.8014% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,770,000 | 1,868 |
| Average earning assets | $416,385,000 | 1,901 |
| Average equity | $55,272,000 | 1,591 |
| Average total loans | $221,995,000 | 2,092 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6806% | 4,332 |
| Cost of funding earning assets | 0.3345% | 2,071 |
| Net interest margin | 2.3461% | 4,375 |
| Noninterest income to average assets | 19.1785% | 40 |
| Noninterest expense to average assets | 19.0939% | 38 |
| Loan and lease loss provision to assets | 0.1078% | 1,173 |
| Net operating income to assets | 1.9492% | 375 |
| Return on assets (ROA) | 1.9573% | 392 |
| Pretax return on assets | 2.1387% | 462 |
| Return on Equity (ROE) | 16.5112% | 675 |
| Retained earnings to average equity (ytd only) | 3.8888% | 3,264 |
| Net charge-offs to loans | 0.0041% | 2,456 |
| Credit loss provision to net charge-offs | 4,772.7273% | 154 |
| Earnings coverage of net charge-offs (x) | 990.6364% | 149 |
| Efficiency ratio | 89.4823% | 346 |
| Assets per employee ($millions) | 1.2145% | 4,798 |
| Cash dividends to net income (ytd only)* | 76.4478% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,889 |
| Loan loss allowance to noncurrent loans | 940.4130% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,432 |
| Noncurrent loans to loans | 0.1499% | 3,186 |
| Net loans and leases to total assets | 48.8209% | 3,426 |
| Net loans and leases to deposits | 60.1499% | 3,057 |
| Net loans and leases to core deposits | 91.2589% | 913 |
| Total domestic deposits to total assets | 81.1654% | 4,085 |
| Equity capital to assets | 12.5371% | 1,047 |
| Core capital (leverage) ratio | 12.4904% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,989,000 | 1,727 |
| Average earning assets | $446,920,400 | 1,740 |
| Average equity | $57,730,400 | 1,569 |
| Average total loans | $266,239,800 | 1,853 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 4,335 |
| Cost of funding earning assets | 0.3502% | 2,113 |
| Net interest margin | 2.4173% | 4,381 |
| Noninterest income to average assets | 19.8129% | 40 |
| Noninterest expense to average assets | 19.1373% | 38 |
| Loan and lease loss provision to assets | 0.1415% | 800 |
| Net operating income to assets | 2.3718% | 251 |
| Return on assets (ROA) | 2.3818% | 260 |
| Pretax return on assets | 2.7635% | 241 |
| Return on Equity (ROE) | 20.3626% | 401 |
| Retained earnings to average equity (ytd only) | 4.6925% | 3,337 |
| Net charge-offs to loans | 0.0029% | 2,252 |
| Credit loss provision to net charge-offs | 8,750.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,788.8333% | 81 |
| Efficiency ratio | 86.8306% | 406 |
| Assets per employee ($millions) | 1.2284% | 4,873 |
| Cash dividends to net income (ytd only)* | 76.9553% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,193 |
| Loan loss allowance to noncurrent loans | 4,145.4545% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,100 |
| Noncurrent loans to loans | 0.0327% | 3,970 |
| Net loans and leases to total assets | 50.2502% | 3,387 |
| Net loans and leases to deposits | 61.9279% | 3,050 |
| Net loans and leases to core deposits | 94.6561% | 803 |
| Total domestic deposits to total assets | 81.1431% | 4,070 |
| Equity capital to assets | 12.4896% | 1,173 |
| Core capital (leverage) ratio | 12.2560% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $494,569,000 | 1,728 |
| Average earning assets | $453,770,750 | 1,746 |
| Average equity | $57,849,750 | 1,587 |
| Average total loans | $276,265,250 | 1,843 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 4,176 |
| Cost of funding earning assets | 0.3672% | 2,159 |
| Net interest margin | 2.5627% | 4,228 |
| Noninterest income to average assets | 21.8930% | 39 |
| Noninterest expense to average assets | 20.7827% | 38 |
| Loan and lease loss provision to assets | 0.2077% | 531 |
| Net operating income to assets | 2.8556% | 147 |
| Return on assets (ROA) | 2.8556% | 148 |
| Pretax return on assets | 3.2524% | 142 |
| Return on Equity (ROE) | 24.9273% | 195 |
| Retained earnings to average equity (ytd only) | 2.6216% | 3,967 |
| Net charge-offs to loans | 0.0028% | 2,096 |
| Credit loss provision to net charge-offs | 13,125.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 2,186.2500% | 46 |
| Efficiency ratio | 85.6798% | 488 |
| Assets per employee ($millions) | 1.2610% | 4,907 |
| Cash dividends to net income (ytd only)* | 89.4832% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,353 |
| Loan loss allowance to noncurrent loans | 1,438.7387% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,942 |
| Noncurrent loans to loans | 0.0916% | 3,716 |
| Net loans and leases to total assets | 50.4561% | 3,508 |
| Net loans and leases to deposits | 61.5519% | 3,242 |
| Net loans and leases to core deposits | 101.9610% | 591 |
| Total domestic deposits to total assets | 81.9733% | 3,926 |
| Equity capital to assets | 11.9204% | 1,405 |
| Core capital (leverage) ratio | 11.5703% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,467,667 | 1,696 |
| Average earning assets | $463,494,667 | 1,716 |
| Average equity | $57,904,333 | 1,573 |
| Average total loans | $289,925,667 | 1,784 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1095% | 3,864 |
| Cost of funding earning assets | 0.3834% | 2,232 |
| Net interest margin | 2.7260% | 3,911 |
| Noninterest income to average assets | 27.2383% | 31 |
| Noninterest expense to average assets | 23.6116% | 31 |
| Loan and lease loss provision to assets | 0.2418% | 444 |
| Net operating income to assets | 5.5042% | 52 |
| Return on assets (ROA) | 5.5042% | 52 |
| Pretax return on assets | 5.8787% | 61 |
| Return on Equity (ROE) | 48.9513% | 34 |
| Retained earnings to average equity (ytd only) | 36.4319% | 48 |
| Net charge-offs to loans | 0.0026% | 1,834 |
| Credit loss provision to net charge-offs | 15,750.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 3,987.0000% | 11 |
| Efficiency ratio | 79.3706% | 860 |
| Assets per employee ($millions) | 1.3502% | 4,932 |
| Cash dividends to net income (ytd only)* | 25.5752% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,547 |
| Loan loss allowance to noncurrent loans | 1,339.0135% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,073 |
| Noncurrent loans to loans | 0.0802% | 3,896 |
| Net loans and leases to total assets | 52.6326% | 3,383 |
| Net loans and leases to deposits | 64.1462% | 3,109 |
| Net loans and leases to core deposits | 120.0135% | 242 |
| Total domestic deposits to total assets | 82.0509% | 3,883 |
| Equity capital to assets | 11.6943% | 1,440 |
| Core capital (leverage) ratio | 11.6922% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,134,000 | 1,634 |
| Average earning assets | $476,740,000 | 1,656 |
| Average equity | $58,597,000 | 1,547 |
| Average total loans | $313,676,500 | 1,689 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 3,802 |
| Cost of funding earning assets | 0.7194% | 1,620 |
| Net interest margin | 2.8847% | 4,136 |
| Noninterest income to average assets | 33.9179% | 29 |
| Noninterest expense to average assets | 23.9478% | 31 |
| Loan and lease loss provision to assets | 0.2754% | 1,397 |
| Net operating income to assets | 11.9794% | 17 |
| Return on assets (ROA) | 11.9794% | 17 |
| Pretax return on assets | 12.2777% | 20 |
| Return on Equity (ROE) | 110.1563% | 3 |
| Retained earnings to average equity (ytd only) | 63.7281% | 3 |
| Net charge-offs to loans | 0.0290% | 2,450 |
| Credit loss provision to net charge-offs | 1,272.6190% | 652 |
| Earnings coverage of net charge-offs (x) | 580.1786% | 209 |
| Efficiency ratio | 65.5595% | 2,598 |
| Assets per employee ($millions) | 1.4124% | 4,952 |
| Cash dividends to net income (ytd only)* | 42.1476% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,488 |
| Loan loss allowance to noncurrent loans | 1,147.2103% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,123 |
| Noncurrent loans to loans | 0.0667% | 4,026 |
| Net loans and leases to total assets | 66.7010% | 1,994 |
| Net loans and leases to deposits | 80.4028% | 1,817 |
| Net loans and leases to core deposits | 161.5214% | 69 |
| Total domestic deposits to total assets | 82.9586% | 3,422 |
| Equity capital to assets | 10.7916% | 2,440 |
| Core capital (leverage) ratio | 12.1317% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,232,000 | 1,896 |
| Average earning assets | $347,632,600 | 1,945 |
| Average equity | $42,220,000 | 1,936 |
| Average total loans | $289,486,000 | 1,730 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,296 |
| Cost of funding earning assets | 0.8122% | 1,435 |
| Net interest margin | 3.0736% | 3,801 |
| Noninterest income to average assets | 35.3366% | 28 |
| Noninterest expense to average assets | 23.4771% | 31 |
| Loan and lease loss provision to assets | 0.2828% | 1,427 |
| Net operating income to assets | 14.1475% | 14 |
| Return on assets (ROA) | 14.1475% | 14 |
| Pretax return on assets | 14.3213% | 19 |
| Return on Equity (ROE) | 129.7295% | 3 |
| Retained earnings to average equity (ytd only) | 78.5788% | 3 |
| Net charge-offs to loans | 0.0495% | 1,903 |
| Credit loss provision to net charge-offs | 739.2157% | 1,035 |
| Earnings coverage of net charge-offs (x) | 381.5980% | 299 |
| Efficiency ratio | 61.5987% | 3,136 |
| Assets per employee ($millions) | 1.0942% | 4,993 |
| Cash dividends to net income (ytd only)* | 39.4287% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 4,461 |
| Loan loss allowance to noncurrent loans | 530.6122% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,885 |
| Noncurrent loans to loans | 0.1428% | 3,814 |
| Net loans and leases to total assets | 76.5477% | 1,028 |
| Net loans and leases to deposits | 97.5975% | 651 |
| Net loans and leases to core deposits | 145.9430% | 135 |
| Total domestic deposits to total assets | 78.4321% | 4,133 |
| Equity capital to assets | 13.0100% | 1,179 |
| Core capital (leverage) ratio | 13.2027% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,350,750 | 2,008 |
| Average earning assets | $317,318,750 | 2,066 |
| Average equity | $38,752,500 | 2,056 |
| Average total loans | $274,518,500 | 1,797 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,191 |
| Cost of funding earning assets | 0.9291% | 1,241 |
| Net interest margin | 3.1233% | 3,854 |
| Noninterest income to average assets | 31.5085% | 30 |
| Noninterest expense to average assets | 22.2065% | 32 |
| Loan and lease loss provision to assets | 0.3556% | 1,184 |
| Net operating income to assets | 11.7074% | 14 |
| Return on assets (ROA) | 11.7074% | 14 |
| Pretax return on assets | 11.7421% | 20 |
| Return on Equity (ROE) | 116.1461% | 2 |
| Retained earnings to average equity (ytd only) | 84.7731% | 4 |
| Net charge-offs to loans | -0.0091% | 4,184 |
| Credit loss provision to net charge-offs | -5,041.6667% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6742% | 2,721 |
| Assets per employee ($millions) | 1.0320% | 5,024 |
| Cash dividends to net income (ytd only)* | 27.0117% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,362 |
| Loan loss allowance to noncurrent loans | 600.2604% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,013 |
| Noncurrent loans to loans | 0.1317% | 3,931 |
| Net loans and leases to total assets | 78.7267% | 751 |
| Net loans and leases to deposits | 96.1917% | 783 |
| Net loans and leases to core deposits | 131.3524% | 243 |
| Total domestic deposits to total assets | 81.8435% | 3,411 |
| Equity capital to assets | 11.9343% | 1,704 |
| Core capital (leverage) ratio | 12.1809% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,314,333 | 2,048 |
| Average earning assets | $304,611,000 | 2,106 |
| Average equity | $34,303,333 | 2,249 |
| Average total loans | $263,063,667 | 1,830 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 4,014 |
| Cost of funding earning assets | 1.0154% | 1,357 |
| Net interest margin | 2.8947% | 4,437 |
| Noninterest income to average assets | 26.3069% | 31 |
| Noninterest expense to average assets | 26.2787% | 31 |
| Loan and lease loss provision to assets | 0.6610% | 401 |
| Net operating income to assets | 1.9341% | 306 |
| Return on assets (ROA) | 1.9341% | 334 |
| Pretax return on assets | 1.9842% | 463 |
| Return on Equity (ROE) | 21.4005% | 126 |
| Retained earnings to average equity (ytd only) | 14.3167% | 233 |
| Net charge-offs to loans | -0.0209% | 4,348 |
| Credit loss provision to net charge-offs | -4,153.8462% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7825% | 470 |
| Assets per employee ($millions) | 0.9348% | 5,075 |
| Cash dividends to net income (ytd only)* | 33.1013% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,177 |
| Loan loss allowance to noncurrent loans | 811.9565% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,205 |
| Noncurrent loans to loans | 0.1086% | 4,082 |
| Net loans and leases to total assets | 74.0093% | 1,599 |
| Net loans and leases to deposits | 103.2267% | 400 |
| Net loans and leases to core deposits | 119.8654% | 471 |
| Total domestic deposits to total assets | 71.6959% | 4,784 |
| Equity capital to assets | 8.8234% | 4,681 |
| Core capital (leverage) ratio | 10.2472% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,774,000 | 2,052 |
| Average earning assets | $295,436,000 | 2,104 |
| Average equity | $29,532,000 | 2,490 |
| Average total loans | $248,824,000 | 1,868 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 3,104 |
| Cost of funding earning assets | 1.3392% | 685 |
| Net interest margin | 3.1155% | 4,342 |
| Noninterest income to average assets | 20.4384% | 35 |
| Noninterest expense to average assets | 20.1985% | 39 |
| Loan and lease loss provision to assets | 0.0749% | 2,497 |
| Net operating income to assets | 2.9541% | 83 |
| Return on assets (ROA) | 2.9701% | 84 |
| Pretax return on assets | 3.0071% | 99 |
| Return on Equity (ROE) | 30.7336% | 38 |
| Retained earnings to average equity (ytd only) | 18.7072% | 43 |
| Net charge-offs to loans | -0.0111% | 4,499 |
| Credit loss provision to net charge-offs | -868.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7272% | 497 |
| Assets per employee ($millions) | 0.8900% | 5,132 |
| Cash dividends to net income (ytd only)* | 39.1309% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 4,590 |
| Loan loss allowance to noncurrent loans | 584.0830% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,167 |
| Noncurrent loans to loans | 0.1187% | 4,061 |
| Net loans and leases to total assets | 77.2118% | 1,224 |
| Net loans and leases to deposits | 101.5730% | 495 |
| Net loans and leases to core deposits | 122.3516% | 418 |
| Total domestic deposits to total assets | 76.0160% | 4,597 |
| Equity capital to assets | 9.7487% | 4,155 |
| Core capital (leverage) ratio | 9.7674% | 3,769 |
| Tier 1 risk-based capital ratio | 16.2177% | 2,325 |
| Total risk-based capital ratio | 17.1289% | 2,391 |
| Memoranda: | ||
| Average total assets | $289,783,400 | 2,222 |
| Average earning assets | $262,850,600 | 2,258 |
| Average equity | $28,005,200 | 2,494 |
| Average total loans | $224,507,800 | 1,993 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 3,139 |
| Cost of funding earning assets | 1.3384% | 699 |
| Net interest margin | 3.1360% | 4,422 |
| Noninterest income to average assets | 19.8808% | 35 |
| Noninterest expense to average assets | 18.8773% | 40 |
| Loan and lease loss provision to assets | 0.0714% | 2,449 |
| Net operating income to assets | 3.7358% | 55 |
| Return on assets (ROA) | 3.7358% | 58 |
| Pretax return on assets | 3.7734% | 73 |
| Return on Equity (ROE) | 38.7498% | 21 |
| Retained earnings to average equity (ytd only) | 31.9741% | 10 |
| Net charge-offs to loans | -0.0188% | 4,572 |
| Credit loss provision to net charge-offs | -490.3226% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9820% | 691 |
| Assets per employee ($millions) | 0.9668% | 5,210 |
| Cash dividends to net income (ytd only)* | 17.4859% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 4,753 |
| Loan loss allowance to noncurrent loans | 612.4060% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,305 |
| Noncurrent loans to loans | 0.1044% | 4,173 |
| Net loans and leases to total assets | 78.8875% | 1,007 |
| Net loans and leases to deposits | 94.8377% | 1,145 |
| Net loans and leases to core deposits | 122.3402% | 464 |
| Total domestic deposits to total assets | 83.1816% | 3,100 |
| Equity capital to assets | 9.9406% | 4,081 |
| Core capital (leverage) ratio | 10.7622% | 2,878 |
| Tier 1 risk-based capital ratio | 16.9179% | 2,109 |
| Total risk-based capital ratio | 17.7906% | 2,185 |
| Memoranda: | ||
| Average total assets | $283,911,250 | 2,272 |
| Average earning assets | $257,222,750 | 2,304 |
| Average equity | $27,371,500 | 2,551 |
| Average total loans | $219,742,000 | 2,045 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 3,001 |
| Cost of funding earning assets | 1.3350% | 670 |
| Net interest margin | 3.1692% | 4,419 |
| Noninterest income to average assets | 16.5277% | 39 |
| Noninterest expense to average assets | 17.0219% | 42 |
| Loan and lease loss provision to assets | 0.0479% | 2,858 |
| Net operating income to assets | 2.2625% | 229 |
| Return on assets (ROA) | 2.2625% | 237 |
| Pretax return on assets | 2.3148% | 351 |
| Return on Equity (ROE) | 23.7590% | 122 |
| Retained earnings to average equity (ytd only) | 16.5895% | 114 |
| Net charge-offs to loans | 0.0010% | 3,150 |
| Credit loss provision to net charge-offs | 6,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 3,208.0000% | 10 |
| Efficiency ratio | 87.7014% | 453 |
| Assets per employee ($millions) | 0.9262% | 5,261 |
| Cash dividends to net income (ytd only)* | 30.1758% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 4,739 |
| Loan loss allowance to noncurrent loans | 380.3526% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 4,055 |
| Noncurrent loans to loans | 0.1800% | 3,914 |
| Net loans and leases to total assets | 78.3275% | 1,161 |
| Net loans and leases to deposits | 92.2520% | 1,465 |
| Net loans and leases to core deposits | 112.9446% | 823 |
| Total domestic deposits to total assets | 84.9060% | 2,520 |
| Equity capital to assets | 9.8241% | 4,116 |
| Core capital (leverage) ratio | 9.4680% | 4,177 |
| Tier 1 risk-based capital ratio | 13.7542% | 3,450 |
| Total risk-based capital ratio | 14.5842% | 3,569 |
| Memoranda: | ||
| Average total assets | $271,556,330 | 2,348 |
| Average earning assets | $244,792,330 | 2,394 |
| Average equity | $25,859,670 | 2,646 |
| Average total loans | $208,043,000 | 2,131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 3,109 |
| Cost of funding earning assets | 1.3479% | 560 |
| Net interest margin | 3.0842% | 4,614 |
| Noninterest income to average assets | 13.9298% | 47 |
| Noninterest expense to average assets | 15.6600% | 44 |
| Loan and lease loss provision to assets | 0.0643% | 2,379 |
| Net operating income to assets | 0.9660% | 2,988 |
| Return on assets (ROA) | 0.9660% | 3,026 |
| Pretax return on assets | 0.9840% | 3,496 |
| Return on Equity (ROE) | 10.3152% | 2,235 |
| Retained earnings to average equity (ytd only) | 6.4190% | 2,274 |
| Net charge-offs to loans | -0.0020% | 3,855 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5738% | 288 |
| Assets per employee ($millions) | 0.8885% | 5,317 |
| Cash dividends to net income (ytd only)* | 37.7709% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 4,679 |
| Loan loss allowance to noncurrent loans | 575.2896% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,325 |
| Noncurrent loans to loans | 0.1291% | 4,158 |
| Net loans and leases to total assets | 74.7044% | 1,689 |
| Net loans and leases to deposits | 90.2722% | 1,593 |
| Net loans and leases to core deposits | 103.5991% | 1,344 |
| Total domestic deposits to total assets | 82.7546% | 3,484 |
| Equity capital to assets | 9.5440% | 4,219 |
| Core capital (leverage) ratio | 8.9094% | 4,712 |
| Tier 1 risk-based capital ratio | 12.6461% | 4,073 |
| Total risk-based capital ratio | 13.4730% | 4,209 |
| Memoranda: | ||
| Average total assets | $267,484,500 | 2,390 |
| Average earning assets | $240,970,500 | 2,442 |
| Average equity | $25,050,500 | 2,710 |
| Average total loans | $201,768,500 | 2,196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 2,255 |
| Cost of funding earning assets | 1.1570% | 403 |
| Net interest margin | 3.4034% | 3,991 |
| Noninterest income to average assets | 16.0732% | 43 |
| Noninterest expense to average assets | 17.7884% | 39 |
| Loan and lease loss provision to assets | -0.0633% | 5,222 |
| Net operating income to assets | 1.4049% | 1,418 |
| Return on assets (ROA) | 1.4049% | 1,403 |
| Pretax return on assets | 1.4090% | 2,103 |
| Return on Equity (ROE) | 14.1239% | 1,020 |
| Retained earnings to average equity (ytd only) | 3.9169% | 3,425 |
| Net charge-offs to loans | -0.0281% | 4,794 |
| Credit loss provision to net charge-offs | 292.4528% | 1,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8178% | 263 |
| Assets per employee ($millions) | 0.8947% | 5,364 |
| Cash dividends to net income (ytd only)* | 72.2674% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 4,779 |
| Loan loss allowance to noncurrent loans | 545.6604% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 4,332 |
| Noncurrent loans to loans | 0.1306% | 4,151 |
| Net loans and leases to total assets | 75.0604% | 1,762 |
| Net loans and leases to deposits | 87.1615% | 2,150 |
| Net loans and leases to core deposits | 107.8321% | 1,127 |
| Total domestic deposits to total assets | 86.1165% | 2,173 |
| Equity capital to assets | 9.1876% | 4,418 |
| Core capital (leverage) ratio | 8.7362% | 4,853 |
| Tier 1 risk-based capital ratio | 12.8862% | 3,911 |
| Total risk-based capital ratio | 13.7350% | 4,013 |
| Memoranda: | ||
| Average total assets | $244,861,200 | 2,507 |
| Average earning assets | $220,221,200 | 2,563 |
| Average equity | $24,355,800 | 2,693 |
| Average total loans | $188,705,800 | 2,257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,252 |
| Cost of funding earning assets | 1.1059% | 388 |
| Net interest margin | 3.4077% | 3,984 |
| Noninterest income to average assets | 16.1212% | 44 |
| Noninterest expense to average assets | 17.8290% | 39 |
| Loan and lease loss provision to assets | -0.0988% | 5,348 |
| Net operating income to assets | 1.4495% | 1,325 |
| Return on assets (ROA) | 1.4495% | 1,330 |
| Pretax return on assets | 1.4562% | 2,040 |
| Return on Equity (ROE) | 14.2667% | 1,045 |
| Retained earnings to average equity (ytd only) | 7.3091% | 1,968 |
| Net charge-offs to loans | 0.0158% | 2,863 |
| Credit loss provision to net charge-offs | -804.5455% | 4,594 |
| Earnings coverage of net charge-offs (x) | 110.6008% | 701 |
| Efficiency ratio | 92.7739% | 265 |
| Assets per employee ($millions) | 0.7862% | 5,436 |
| Cash dividends to net income (ytd only)* | 48.7683% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 4,868 |
| Loan loss allowance to noncurrent loans | 201.3433% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,551 |
| Noncurrent loans to loans | 0.3499% | 3,399 |
| Net loans and leases to total assets | 80.6114% | 928 |
| Net loans and leases to deposits | 95.0708% | 1,263 |
| Net loans and leases to core deposits | 104.6008% | 1,413 |
| Total domestic deposits to total assets | 84.7909% | 2,689 |
| Equity capital to assets | 10.4754% | 3,168 |
| Core capital (leverage) ratio | 9.4570% | 4,227 |
| Tier 1 risk-based capital ratio | 13.8480% | 3,445 |
| Total risk-based capital ratio | 14.6717% | 3,589 |
| Memoranda: | ||
| Average total assets | $238,975,250 | 2,566 |
| Average earning assets | $214,957,750 | 2,610 |
| Average equity | $24,279,750 | 2,712 |
| Average total loans | $185,154,250 | 2,304 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,681 |
| Cost of funding earning assets | 1.0701% | 334 |
| Net interest margin | 3.2558% | 4,371 |
| Noninterest income to average assets | 15.8359% | 43 |
| Noninterest expense to average assets | 17.7091% | 39 |
| Loan and lease loss provision to assets | -0.1833% | 5,468 |
| Net operating income to assets | 1.2208% | 2,097 |
| Return on assets (ROA) | 1.2208% | 2,095 |
| Pretax return on assets | 1.2333% | 2,803 |
| Return on Equity (ROE) | 12.1390% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.4025% | 2,873 |
| Net charge-offs to loans | 0.0076% | 2,854 |
| Credit loss provision to net charge-offs | -3,142.8571% | 4,699 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 455 |
| Efficiency ratio | 94.2475% | 257 |
| Assets per employee ($millions) | 0.7734% | 5,501 |
| Cash dividends to net income (ytd only)* | 55.4949% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 4,937 |
| Loan loss allowance to noncurrent loans | 441.8060% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,378 |
| Noncurrent loans to loans | 0.1594% | 4,190 |
| Net loans and leases to total assets | 77.4130% | 1,407 |
| Net loans and leases to deposits | 88.1935% | 2,087 |
| Net loans and leases to core deposits | 100.0806% | 1,735 |
| Total domestic deposits to total assets | 87.7763% | 1,483 |
| Equity capital to assets | 10.0544% | 3,572 |
| Core capital (leverage) ratio | 8.5425% | 5,077 |
| Tier 1 risk-based capital ratio | 12.4737% | 4,202 |
| Total risk-based capital ratio | 13.3070% | 4,334 |
| Memoranda: | ||
| Average total assets | $240,011,670 | 2,562 |
| Average earning assets | $215,492,670 | 2,622 |
| Average equity | $24,137,000 | 2,742 |
| Average total loans | $183,044,330 | 2,328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,732 |
| Cost of funding earning assets | 1.0415% | 305 |
| Net interest margin | 3.2020% | 4,447 |
| Noninterest income to average assets | 17.3863% | 40 |
| Noninterest expense to average assets | 18.8011% | 40 |
| Loan and lease loss provision to assets | 0.1084% | 1,722 |
| Net operating income to assets | 1.3514% | 1,475 |
| Return on assets (ROA) | 1.3514% | 1,487 |
| Pretax return on assets | 1.3698% | 2,105 |
| Return on Equity (ROE) | 13.4365% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.4365% | 461 |
| Net charge-offs to loans | -0.0199% | 4,556 |
| Credit loss provision to net charge-offs | -722.2222% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5710% | 347 |
| Assets per employee ($millions) | 0.7736% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,158 |
| Loan loss allowance to noncurrent loans | 366.1400% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 4,161 |
| Noncurrent loans to loans | 0.2628% | 3,823 |
| Net loans and leases to total assets | 69.8317% | 2,516 |
| Net loans and leases to deposits | 79.6244% | 2,853 |
| Net loans and leases to core deposits | 89.6159% | 2,480 |
| Total domestic deposits to total assets | 87.7014% | 1,787 |
| Equity capital to assets | 10.2006% | 3,391 |
| Core capital (leverage) ratio | 8.8582% | 4,841 |
| Tier 1 risk-based capital ratio | 13.1983% | 3,848 |
| Total risk-based capital ratio | 14.2284% | 3,862 |
| Memoranda: | ||
| Average total assets | $239,751,500 | 2,588 |
| Average earning assets | $216,613,500 | 2,635 |
| Average equity | $24,113,500 | 2,762 |
| Average total loans | $180,804,500 | 2,355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,352 |
| Cost of funding earning assets | 0.7667% | 752 |
| Net interest margin | 3.5256% | 3,445 |
| Noninterest income to average assets | 10.4580% | 54 |
| Noninterest expense to average assets | 11.7481% | 54 |
| Loan and lease loss provision to assets | 0.1235% | 1,856 |
| Net operating income to assets | 1.7939% | 426 |
| Return on assets (ROA) | 1.7953% | 434 |
| Pretax return on assets | 1.8195% | 757 |
| Return on Equity (ROE) | 16.2407% | 453 |
| Retained earnings to average equity (ytd only) | 5.4852% | 1,825 |
| Net charge-offs to loans | 0.0117% | 3,674 |
| Credit loss provision to net charge-offs | 1,368.4211% | 285 |
| Earnings coverage of net charge-offs (x) | 215.2105% | 373 |
| Efficiency ratio | 85.5746% | 666 |
| Assets per employee ($millions) | 0.6950% | 5,631 |
| Cash dividends to net income (ytd only)* | 66.2259% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 4,822 |
| Loan loss allowance to noncurrent loans | 339.4737% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,182 |
| Noncurrent loans to loans | 0.2362% | 3,959 |
| Net loans and leases to total assets | 79.6434% | 1,011 |
| Net loans and leases to deposits | 96.7834% | 1,015 |
| Net loans and leases to core deposits | 108.3670% | 1,106 |
| Total domestic deposits to total assets | 82.2903% | 3,788 |
| Equity capital to assets | 9.9157% | 3,796 |
| Core capital (leverage) ratio | 9.6039% | 3,913 |
| Tier 1 risk-based capital ratio | 13.8419% | 3,450 |
| Total risk-based capital ratio | 14.8495% | 3,491 |
| Memoranda: | ||
| Average total assets | $210,603,600 | 2,820 |
| Average earning assets | $193,047,400 | 2,834 |
| Average equity | $23,281,000 | 2,827 |
| Average total loans | $161,907,000 | 2,525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,338 |
| Cost of funding earning assets | 0.7338% | 830 |
| Net interest margin | 3.5414% | 3,346 |
| Noninterest income to average assets | 8.3068% | 75 |
| Noninterest expense to average assets | 9.3635% | 79 |
| Loan and lease loss provision to assets | 0.1280% | 1,693 |
| Net operating income to assets | 2.0373% | 300 |
| Return on assets (ROA) | 2.0373% | 306 |
| Pretax return on assets | 2.0747% | 471 |
| Return on Equity (ROE) | 17.8847% | 341 |
| Retained earnings to average equity (ytd only) | 6.3380% | 2,037 |
| Net charge-offs to loans | -0.0164% | 4,781 |
| Credit loss provision to net charge-offs | -1,026.3158% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6605% | 1,029 |
| Assets per employee ($millions) | 0.7966% | 5,693 |
| Cash dividends to net income (ytd only)* | 64.5618% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,333 |
| Loan loss allowance to noncurrent loans | 727.7512% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,741 |
| Noncurrent loans to loans | 0.1303% | 4,537 |
| Net loans and leases to total assets | 75.5579% | 1,673 |
| Net loans and leases to deposits | 89.0701% | 1,917 |
| Net loans and leases to core deposits | 98.0302% | 1,883 |
| Total domestic deposits to total assets | 84.8297% | 2,787 |
| Equity capital to assets | 11.4068% | 2,458 |
| Core capital (leverage) ratio | 10.4572% | 3,035 |
| Tier 1 risk-based capital ratio | 14.7631% | 3,030 |
| Total risk-based capital ratio | 15.8001% | 3,070 |
| Memoranda: | ||
| Average total assets | $203,137,750 | 2,919 |
| Average earning assets | $186,964,000 | 2,921 |
| Average equity | $23,140,250 | 2,864 |
| Average total loans | $154,117,750 | 2,626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 2,648 |
| Cost of funding earning assets | 0.7059% | 869 |
| Net interest margin | 3.4484% | 3,595 |
| Noninterest income to average assets | 7.3684% | 81 |
| Noninterest expense to average assets | 8.5799% | 89 |
| Loan and lease loss provision to assets | 0.1295% | 1,606 |
| Net operating income to assets | 1.7783% | 469 |
| Return on assets (ROA) | 1.7783% | 480 |
| Pretax return on assets | 1.8272% | 787 |
| Return on Equity (ROE) | 15.6186% | 581 |
| Retained earnings to average equity (ytd only) | -0.1662% | 5,099 |
| Net charge-offs to loans | -0.0039% | 4,282 |
| Credit loss provision to net charge-offs | -4,333.3333% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0987% | 1,096 |
| Assets per employee ($millions) | 1.3902% | 5,727 |
| Cash dividends to net income (ytd only)* | 101.0644% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,715 |
| Loan loss allowance to noncurrent loans | 529.4118% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,674 |
| Noncurrent loans to loans | 0.1665% | 4,446 |
| Net loans and leases to total assets | 76.6467% | 1,439 |
| Net loans and leases to deposits | 90.7606% | 1,635 |
| Net loans and leases to core deposits | 99.4431% | 1,689 |
| Total domestic deposits to total assets | 84.4493% | 3,031 |
| Equity capital to assets | 10.8412% | 2,979 |
| Core capital (leverage) ratio | 10.5845% | 2,830 |
| Tier 1 risk-based capital ratio | 15.0309% | 2,910 |
| Total risk-based capital ratio | 16.0554% | 2,938 |
| Memoranda: | ||
| Average total assets | $200,748,670 | 2,962 |
| Average earning assets | $184,435,330 | 2,965 |
| Average equity | $22,857,330 | 2,894 |
| Average total loans | $152,016,000 | 2,661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 3,238 |
| Cost of funding earning assets | 0.7029% | 833 |
| Net interest margin | 3.2380% | 4,218 |
| Noninterest income to average assets | 7.3957% | 83 |
| Noninterest expense to average assets | 8.7975% | 85 |
| Loan and lease loss provision to assets | 0.1330% | 1,436 |
| Net operating income to assets | 1.3854% | 1,027 |
| Return on assets (ROA) | 1.3854% | 1,060 |
| Pretax return on assets | 1.4345% | 1,751 |
| Return on Equity (ROE) | 11.8608% | 1,282 |
| Retained earnings to average equity (ytd only) | 9.2329% | 1,005 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5410% | 924 |
| Assets per employee ($millions) | 1.3867% | 5,795 |
| Cash dividends to net income (ytd only)* | 22.1566% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,576 |
| Loan loss allowance to noncurrent loans | 204.7761% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,825 |
| Noncurrent loans to loans | 0.4620% | 3,443 |
| Net loans and leases to total assets | 73.4632% | 1,827 |
| Net loans and leases to deposits | 88.3525% | 1,752 |
| Net loans and leases to core deposits | 91.2463% | 2,236 |
| Total domestic deposits to total assets | 83.1479% | 3,784 |
| Equity capital to assets | 11.8711% | 1,927 |
| Core capital (leverage) ratio | 11.5901% | 1,886 |
| Tier 1 risk-based capital ratio | 16.3534% | 2,412 |
| Total risk-based capital ratio | 17.3616% | 2,452 |
| Memoranda: | ||
| Average total assets | $195,465,500 | 3,040 |
| Average earning assets | $179,248,000 | 3,044 |
| Average equity | $22,831,500 | 2,914 |
| Average total loans | $146,321,000 | 2,742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 2,222 |
| Cost of funding earning assets | 0.6965% | 821 |
| Net interest margin | 3.5807% | 3,133 |
| Noninterest income to average assets | 9.4927% | 66 |
| Noninterest expense to average assets | 9.8431% | 77 |
| Loan and lease loss provision to assets | 0.0262% | 3,825 |
| Net operating income to assets | 2.8764% | 88 |
| Return on assets (ROA) | 2.8764% | 91 |
| Pretax return on assets | 2.8943% | 123 |
| Return on Equity (ROE) | 26.2455% | 64 |
| Retained earnings to average equity (ytd only) | 12.1799% | 209 |
| Net charge-offs to loans | 0.0393% | 3,241 |
| Credit loss provision to net charge-offs | 86.2069% | 2,869 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 622 |
| Efficiency ratio | 76.9499% | 1,856 |
| Assets per employee ($millions) | 1.6017% | 5,833 |
| Cash dividends to net income (ytd only)* | 53.5923% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,839 |
| Loan loss allowance to noncurrent loans | 570.7424% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 4,263 |
| Noncurrent loans to loans | 0.1551% | 4,618 |
| Net loans and leases to total assets | 74.8820% | 1,709 |
| Net loans and leases to deposits | 90.3486% | 1,643 |
| Net loans and leases to core deposits | 93.1567% | 2,195 |
| Total domestic deposits to total assets | 82.8813% | 3,807 |
| Equity capital to assets | 11.4899% | 2,179 |
| Core capital (leverage) ratio | 11.3428% | 2,044 |
| Tier 1 risk-based capital ratio | 16.9106% | 2,183 |
| Total risk-based capital ratio | 17.8972% | 2,234 |
| Memoranda: | ||
| Average total assets | $190,651,800 | 3,053 |
| Average earning assets | $174,156,200 | 3,064 |
| Average equity | $20,895,000 | 3,077 |
| Average total loans | $147,725,600 | 2,671 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,263 |
| Cost of funding earning assets | 0.6874% | 868 |
| Net interest margin | 3.5809% | 3,157 |
| Noninterest income to average assets | 8.3870% | 74 |
| Noninterest expense to average assets | 9.4630% | 78 |
| Loan and lease loss provision to assets | 0.0267% | 3,708 |
| Net operating income to assets | 2.1428% | 271 |
| Return on assets (ROA) | 2.1428% | 284 |
| Pretax return on assets | 2.1675% | 412 |
| Return on Equity (ROE) | 19.7988% | 253 |
| Retained earnings to average equity (ytd only) | 8.5762% | 949 |
| Net charge-offs to loans | 0.0289% | 3,081 |
| Credit loss provision to net charge-offs | 118.7500% | 2,105 |
| Earnings coverage of net charge-offs (x) | 97.4275% | 674 |
| Efficiency ratio | 81.0383% | 1,293 |
| Assets per employee ($millions) | 1.6410% | 5,897 |
| Cash dividends to net income (ytd only)* | 56.6832% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,988 |
| Loan loss allowance to noncurrent loans | 437.4172% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,377 |
| Noncurrent loans to loans | 0.1976% | 4,560 |
| Net loans and leases to total assets | 76.2984% | 1,479 |
| Net loans and leases to deposits | 93.4263% | 1,329 |
| Net loans and leases to core deposits | 97.8354% | 1,829 |
| Total domestic deposits to total assets | 81.6670% | 4,051 |
| Equity capital to assets | 11.0100% | 3,000 |
| Core capital (leverage) ratio | 9.5619% | 4,102 |
| Tier 1 risk-based capital ratio | 14.4442% | 3,312 |
| Total risk-based capital ratio | 15.4371% | 3,391 |
| Memoranda: | ||
| Average total assets | $189,463,250 | 3,077 |
| Average earning assets | $173,023,250 | 3,089 |
| Average equity | $20,505,750 | 3,146 |
| Average total loans | $147,749,250 | 2,677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 2,512 |
| Cost of funding earning assets | 0.6754% | 919 |
| Net interest margin | 3.5239% | 3,396 |
| Noninterest income to average assets | 7.3111% | 81 |
| Noninterest expense to average assets | 9.9448% | 73 |
| Loan and lease loss provision to assets | 0.0268% | 3,592 |
| Net operating income to assets | 0.5235% | 4,591 |
| Return on assets (ROA) | 0.5235% | 4,716 |
| Pretax return on assets | 0.5525% | 5,016 |
| Return on Equity (ROE) | 4.8669% | 4,570 |
| Retained earnings to average equity (ytd only) | -9.2352% | 5,867 |
| Net charge-offs to loans | 0.0014% | 3,660 |
| Credit loss provision to net charge-offs | 2,500.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 125 |
| Efficiency ratio | 94.4343% | 398 |
| Assets per employee ($millions) | 1.7594% | 5,962 |
| Cash dividends to net income (ytd only)* | 289.7541% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 5,127 |
| Loan loss allowance to noncurrent loans | 351.4436% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,292 |
| Noncurrent loans to loans | 0.2420% | 4,484 |
| Net loans and leases to total assets | 77.8248% | 1,229 |
| Net loans and leases to deposits | 94.8900% | 1,203 |
| Net loans and leases to core deposits | 101.4164% | 1,515 |
| Total domestic deposits to total assets | 82.0158% | 3,989 |
| Equity capital to assets | 9.8000% | 4,450 |
| Core capital (leverage) ratio | 9.2875% | 4,473 |
| Tier 1 risk-based capital ratio | 10.9246% | 5,463 |
| Total risk-based capital ratio | 11.7604% | 5,581 |
| Memoranda: | ||
| Average total assets | $186,429,330 | 3,120 |
| Average earning assets | $169,980,330 | 3,142 |
| Average equity | $20,053,670 | 3,190 |
| Average total loans | $146,058,000 | 2,700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,680 |
| Cost of funding earning assets | 0.6850% | 869 |
| Net interest margin | 3.4568% | 3,638 |
| Noninterest income to average assets | 7.2436% | 85 |
| Noninterest expense to average assets | 9.4180% | 78 |
| Loan and lease loss provision to assets | 0.0290% | 3,273 |
| Net operating income to assets | 0.9188% | 2,658 |
| Return on assets (ROA) | 0.9188% | 2,768 |
| Pretax return on assets | 0.9367% | 3,706 |
| Return on Equity (ROE) | 8.1373% | 2,836 |
| Retained earnings to average equity (ytd only) | -8.6705% | 5,771 |
| Net charge-offs to loans | -0.0399% | 5,212 |
| Credit loss provision to net charge-offs | -92.8571% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7002% | 625 |
| Assets per employee ($millions) | 1.6389% | 6,036 |
| Cash dividends to net income (ytd only)* | 206.5534% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 4,764 |
| Loan loss allowance to noncurrent loans | 383.4286% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 4,195 |
| Noncurrent loans to loans | 0.2530% | 4,527 |
| Net loans and leases to total assets | 76.7005% | 1,292 |
| Net loans and leases to deposits | 96.5574% | 885 |
| Net loans and leases to core deposits | 99.1411% | 1,551 |
| Total domestic deposits to total assets | 79.4352% | 4,871 |
| Equity capital to assets | 11.2218% | 2,709 |
| Core capital (leverage) ratio | 10.3663% | 3,109 |
| Tier 1 risk-based capital ratio | 12.1502% | 4,814 |
| Total risk-based capital ratio | 13.0409% | 4,959 |
| Memoranda: | ||
| Average total assets | $179,358,500 | 3,210 |
| Average earning assets | $162,926,500 | 3,244 |
| Average equity | $20,252,500 | 3,173 |
| Average total loans | $140,370,500 | 2,779 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,041 |
| Cost of funding earning assets | 0.6540% | 1,051 |
| Net interest margin | 3.7009% | 2,744 |
| Noninterest income to average assets | 8.0438% | 78 |
| Noninterest expense to average assets | 8.6972% | 95 |
| Loan and lease loss provision to assets | 0.0496% | 3,330 |
| Net operating income to assets | 2.7005% | 121 |
| Return on assets (ROA) | 2.7355% | 116 |
| Pretax return on assets | 2.7455% | 149 |
| Return on Equity (ROE) | 26.0494% | 88 |
| Retained earnings to average equity (ytd only) | 18.1274% | 74 |
| Net charge-offs to loans | 0.0390% | 3,446 |
| Credit loss provision to net charge-offs | 160.3774% | 1,677 |
| Earnings coverage of net charge-offs (x) | 89.2642% | 637 |
| Efficiency ratio | 75.9102% | 2,289 |
| Assets per employee ($millions) | 1.7484% | 6,082 |
| Cash dividends to net income (ytd only)* | 30.4116% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,998 |
| Loan loss allowance to noncurrent loans | 218.8020% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 4,173 |
| Noncurrent loans to loans | 0.4221% | 3,944 |
| Net loans and leases to total assets | 78.3365% | 1,075 |
| Net loans and leases to deposits | 101.1748% | 594 |
| Net loans and leases to core deposits | 103.8975% | 1,227 |
| Total domestic deposits to total assets | 77.4269% | 5,254 |
| Equity capital to assets | 11.3609% | 2,484 |
| Core capital (leverage) ratio | 11.4200% | 2,023 |
| Tier 1 risk-based capital ratio | 12.9205% | 4,374 |
| Total risk-based capital ratio | 13.7980% | 4,500 |
| Memoranda: | ||
| Average total assets | $171,410,600 | 3,283 |
| Average earning assets | $158,096,200 | 3,278 |
| Average equity | $18,000,400 | 3,383 |
| Average total loans | $135,773,000 | 2,787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,822 |
| Cost of funding earning assets | 0.6500% | 1,092 |
| Net interest margin | 3.7776% | 2,469 |
| Noninterest income to average assets | 8.8100% | 77 |
| Noninterest expense to average assets | 9.2480% | 89 |
| Loan and lease loss provision to assets | 0.0299% | 3,635 |
| Net operating income to assets | 3.0220% | 86 |
| Return on assets (ROA) | 3.0527% | 85 |
| Pretax return on assets | 3.0653% | 116 |
| Return on Equity (ROE) | 29.7171% | 55 |
| Retained earnings to average equity (ytd only) | 19.5481% | 69 |
| Net charge-offs to loans | 0.0119% | 3,755 |
| Credit loss provision to net charge-offs | 316.6667% | 918 |
| Earnings coverage of net charge-offs (x) | 324.1588% | 227 |
| Efficiency ratio | 75.1104% | 2,389 |
| Assets per employee ($millions) | 1.5418% | 6,194 |
| Cash dividends to net income (ytd only)* | 34.2194% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,789 |
| Loan loss allowance to noncurrent loans | 195.0820% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 3,952 |
| Noncurrent loans to loans | 0.5087% | 3,821 |
| Net loans and leases to total assets | 78.4342% | 1,032 |
| Net loans and leases to deposits | 97.5573% | 856 |
| Net loans and leases to core deposits | 102.0847% | 1,381 |
| Total domestic deposits to total assets | 80.3981% | 4,635 |
| Equity capital to assets | 11.2811% | 2,722 |
| Core capital (leverage) ratio | 10.3225% | 3,230 |
| Tier 1 risk-based capital ratio | 12.0604% | 5,044 |
| Total risk-based capital ratio | 12.9462% | 5,189 |
| Memoranda: | ||
| Average total assets | $169,242,750 | 3,345 |
| Average earning assets | $156,920,000 | 3,331 |
| Average equity | $17,385,750 | 3,505 |
| Average total loans | $134,120,000 | 2,833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 1,852 |
| Cost of funding earning assets | 0.6337% | 1,209 |
| Net interest margin | 3.7667% | 2,452 |
| Noninterest income to average assets | 8.1926% | 89 |
| Noninterest expense to average assets | 8.4218% | 104 |
| Loan and lease loss provision to assets | 0.0294% | 3,542 |
| Net operating income to assets | 3.2371% | 82 |
| Return on assets (ROA) | 3.2618% | 84 |
| Pretax return on assets | 3.2735% | 114 |
| Return on Equity (ROE) | 32.8021% | 44 |
| Retained earnings to average equity (ytd only) | 20.5441% | 73 |
| Net charge-offs to loans | 0.0178% | 3,342 |
| Credit loss provision to net charge-offs | 208.3333% | 1,192 |
| Earnings coverage of net charge-offs (x) | 232.4167% | 300 |
| Efficiency ratio | 71.9811% | 3,001 |
| Assets per employee ($millions) | 1.6072% | 6,267 |
| Cash dividends to net income (ytd only)* | 37.3694% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,144 |
| Loan loss allowance to noncurrent loans | 192.5706% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 4,159 |
| Noncurrent loans to loans | 0.4882% | 4,010 |
| Net loans and leases to total assets | 78.6669% | 984 |
| Net loans and leases to deposits | 100.7281% | 608 |
| Net loans and leases to core deposits | 106.5382% | 1,045 |
| Total domestic deposits to total assets | 78.0983% | 5,265 |
| Equity capital to assets | 10.2990% | 3,693 |
| Core capital (leverage) ratio | 9.8739% | 3,772 |
| Tier 1 risk-based capital ratio | 11.5102% | 5,459 |
| Total risk-based capital ratio | 12.3736% | 5,580 |
| Memoranda: | ||
| Average total assets | $170,154,000 | 3,342 |
| Average earning assets | $158,443,000 | 3,321 |
| Average equity | $16,919,670 | 3,577 |
| Average total loans | $134,857,000 | 2,830 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,246 |
| Cost of funding earning assets | 0.6042% | 1,401 |
| Net interest margin | 3.6529% | 2,802 |
| Noninterest income to average assets | 7.5492% | 93 |
| Noninterest expense to average assets | 8.9764% | 96 |
| Loan and lease loss provision to assets | 0.0285% | 3,304 |
| Net operating income to assets | 1.9520% | 367 |
| Return on assets (ROA) | 1.9520% | 387 |
| Pretax return on assets | 1.9615% | 627 |
| Return on Equity (ROE) | 19.9988% | 265 |
| Retained earnings to average equity (ytd only) | 10.0481% | 912 |
| Net charge-offs to loans | -0.0030% | 4,394 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8536% | 1,639 |
| Assets per employee ($millions) | 1.6091% | 6,328 |
| Cash dividends to net income (ytd only)* | 49.7567% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,205 |
| Loan loss allowance to noncurrent loans | 188.9213% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 4,225 |
| Noncurrent loans to loans | 0.5076% | 4,062 |
| Net loans and leases to total assets | 77.7356% | 967 |
| Net loans and leases to deposits | 101.1808% | 498 |
| Net loans and leases to core deposits | 104.6245% | 1,026 |
| Total domestic deposits to total assets | 76.8284% | 5,639 |
| Equity capital to assets | 9.7203% | 4,479 |
| Core capital (leverage) ratio | 9.8895% | 3,762 |
| Tier 1 risk-based capital ratio | 10.1015% | 6,141 |
| Total risk-based capital ratio | 10.8979% | 6,217 |
| Memoranda: | ||
| Average total assets | $168,441,000 | 3,393 |
| Average earning assets | $157,574,000 | 3,355 |
| Average equity | $16,441,000 | 3,670 |
| Average total loans | $133,362,500 | 2,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 2,072 |
| Cost of funding earning assets | 0.7183% | 1,018 |
| Net interest margin | 3.7317% | 2,873 |
| Noninterest income to average assets | 5.5442% | 112 |
| Noninterest expense to average assets | 7.8733% | 109 |
| Loan and lease loss provision to assets | 0.0331% | 3,934 |
| Net operating income to assets | 1.1318% | 1,853 |
| Return on assets (ROA) | 1.1418% | 1,873 |
| Pretax return on assets | 1.1444% | 2,900 |
| Return on Equity (ROE) | 11.1363% | 1,680 |
| Retained earnings to average equity (ytd only) | 4.7267% | 2,813 |
| Net charge-offs to loans | 0.1204% | 2,831 |
| Credit loss provision to net charge-offs | 35.2113% | 3,764 |
| Earnings coverage of net charge-offs (x) | 12.4366% | 2,375 |
| Efficiency ratio | 87.0859% | 1,066 |
| Assets per employee ($millions) | 1.6637% | 6,414 |
| Cash dividends to net income (ytd only)* | 57.5565% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,175 |
| Loan loss allowance to noncurrent loans | 344.8925% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 4,904 |
| Noncurrent loans to loans | 0.2827% | 4,839 |
| Net loans and leases to total assets | 79.1131% | 868 |
| Net loans and leases to deposits | 99.9180% | 628 |
| Net loans and leases to core deposits | 109.3999% | 806 |
| Total domestic deposits to total assets | 79.1781% | 5,211 |
| Equity capital to assets | 9.8029% | 4,350 |
| Core capital (leverage) ratio | 10.0312% | 3,533 |
| Tier 1 risk-based capital ratio | 10.8209% | 5,979 |
| Total risk-based capital ratio | 11.6871% | 6,070 |
| Memoranda: | ||
| Average total assets | $151,258,000 | 3,611 |
| Average earning assets | $141,731,600 | 3,572 |
| Average equity | $15,507,800 | 3,746 |
| Average total loans | $117,921,200 | 3,083 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,039 |
| Cost of funding earning assets | 0.7421% | 934 |
| Net interest margin | 3.7115% | 2,979 |
| Noninterest income to average assets | 5.4938% | 112 |
| Noninterest expense to average assets | 7.9387% | 107 |
| Loan and lease loss provision to assets | 0.0343% | 3,718 |
| Net operating income to assets | 0.9890% | 2,505 |
| Return on assets (ROA) | 1.0025% | 2,503 |
| Pretax return on assets | 1.0061% | 3,569 |
| Return on Equity (ROE) | 9.6599% | 2,373 |
| Retained earnings to average equity (ytd only) | 1.8938% | 5,106 |
| Net charge-offs to loans | 0.3202% | 1,246 |
| Credit loss provision to net charge-offs | 13.8182% | 3,654 |
| Earnings coverage of net charge-offs (x) | 4.1418% | 3,531 |
| Efficiency ratio | 88.5470% | 954 |
| Assets per employee ($millions) | 1.5641% | 6,503 |
| Cash dividends to net income (ytd only)* | 80.3956% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 5,434 |
| Loan loss allowance to noncurrent loans | 143.5057% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,127 |
| Noncurrent loans to loans | 0.6610% | 3,960 |
| Net loans and leases to total assets | 76.7440% | 1,136 |
| Net loans and leases to deposits | 98.0107% | 735 |
| Net loans and leases to core deposits | 101.6066% | 1,240 |
| Total domestic deposits to total assets | 78.3017% | 5,465 |
| Equity capital to assets | 10.0997% | 4,052 |
| Core capital (leverage) ratio | 10.0801% | 3,559 |
| Tier 1 risk-based capital ratio | 11.0840% | 5,959 |
| Total risk-based capital ratio | 11.8971% | 6,105 |
| Memoranda: | ||
| Average total assets | $147,896,000 | 3,692 |
| Average earning assets | $138,340,750 | 3,654 |
| Average equity | $15,348,250 | 3,794 |
| Average total loans | $114,504,750 | 3,155 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 2,223 |
| Cost of funding earning assets | 0.7589% | 887 |
| Net interest margin | 3.6276% | 3,246 |
| Noninterest income to average assets | 5.9033% | 102 |
| Noninterest expense to average assets | 8.4751% | 97 |
| Loan and lease loss provision to assets | 0.0343% | 3,603 |
| Net operating income to assets | 0.7954% | 3,359 |
| Return on assets (ROA) | 0.8160% | 3,350 |
| Pretax return on assets | 0.8160% | 4,210 |
| Return on Equity (ROE) | 7.7895% | 3,210 |
| Retained earnings to average equity (ytd only) | -1.7179% | 5,953 |
| Net charge-offs to loans | 0.4171% | 979 |
| Credit loss provision to net charge-offs | 10.6383% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.5702% | 3,523 |
| Efficiency ratio | 91.0822% | 827 |
| Assets per employee ($millions) | 1.5763% | 6,568 |
| Cash dividends to net income (ytd only)* | 122.0539% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 5,448 |
| Loan loss allowance to noncurrent loans | 125.9459% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 4,140 |
| Noncurrent loans to loans | 0.7759% | 3,759 |
| Net loans and leases to total assets | 78.0161% | 906 |
| Net loans and leases to deposits | 93.5926% | 1,000 |
| Net loans and leases to core deposits | 102.8202% | 1,092 |
| Total domestic deposits to total assets | 83.3571% | 4,172 |
| Equity capital to assets | 10.1051% | 3,964 |
| Core capital (leverage) ratio | 10.2415% | 3,279 |
| Tier 1 risk-based capital ratio | 10.7745% | 6,143 |
| Total risk-based capital ratio | 11.6024% | 6,256 |
| Memoranda: | ||
| Average total assets | $145,579,330 | 3,750 |
| Average earning assets | $136,507,330 | 3,701 |
| Average equity | $15,251,330 | 3,812 |
| Average total loans | $112,682,000 | 3,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 2,062 |
| Cost of funding earning assets | 0.7793% | 835 |
| Net interest margin | 3.6409% | 3,095 |
| Noninterest income to average assets | 5.9730% | 99 |
| Noninterest expense to average assets | 8.3611% | 103 |
| Loan and lease loss provision to assets | 0.0364% | 3,331 |
| Net operating income to assets | 1.0062% | 2,192 |
| Return on assets (ROA) | 1.0483% | 2,082 |
| Pretax return on assets | 1.0483% | 3,145 |
| Return on Equity (ROE) | 9.8218% | 2,105 |
| Retained earnings to average equity (ytd only) | 0.9717% | 5,208 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9121% | 1,137 |
| Assets per employee ($millions) | 1.2960% | 6,656 |
| Cash dividends to net income (ytd only)* | 90.1070% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 4,379 |
| Loan loss allowance to noncurrent loans | 169.4750% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 4,412 |
| Noncurrent loans to loans | 0.7372% | 4,018 |
| Net loans and leases to total assets | 77.6621% | 801 |
| Net loans and leases to deposits | 95.2955% | 698 |
| Net loans and leases to core deposits | 97.6041% | 1,266 |
| Total domestic deposits to total assets | 81.4961% | 5,095 |
| Equity capital to assets | 10.8331% | 2,901 |
| Core capital (leverage) ratio | 10.8301% | 2,561 |
| Tier 1 risk-based capital ratio | 12.1215% | 5,557 |
| Total risk-based capital ratio | 13.2188% | 5,597 |
| Memoranda: | ||
| Average total assets | $142,709,000 | 3,833 |
| Average earning assets | $134,472,000 | 3,755 |
| Average equity | $15,231,500 | 3,825 |
| Average total loans | $109,413,500 | 3,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 1,486 |
| Cost of funding earning assets | 0.9049% | 717 |
| Net interest margin | 3.8280% | 2,542 |
| Noninterest income to average assets | 5.9114% | 111 |
| Noninterest expense to average assets | 8.2972% | 108 |
| Loan and lease loss provision to assets | 0.1558% | 2,326 |
| Net operating income to assets | 1.0077% | 2,292 |
| Return on assets (ROA) | 1.0077% | 2,352 |
| Pretax return on assets | 1.0199% | 3,269 |
| Return on Equity (ROE) | 8.9895% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.1769% | 4,699 |
| Net charge-offs to loans | 0.0308% | 4,817 |
| Credit loss provision to net charge-offs | 678.1250% | 354 |
| Earnings coverage of net charge-offs (x) | 51.1875% | 779 |
| Efficiency ratio | 87.5890% | 1,256 |
| Assets per employee ($millions) | 1.2535% | 6,740 |
| Cash dividends to net income (ytd only)* | 75.7835% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,263 |
| Loan loss allowance to noncurrent loans | 93.6649% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 3,388 |
| Noncurrent loans to loans | 1.3626% | 2,859 |
| Net loans and leases to total assets | 73.7791% | 1,383 |
| Net loans and leases to deposits | 89.1008% | 1,335 |
| Net loans and leases to core deposits | 91.7693% | 1,815 |
| Total domestic deposits to total assets | 82.8040% | 4,608 |
| Equity capital to assets | 10.5164% | 3,133 |
| Core capital (leverage) ratio | 10.8440% | 2,533 |
| Tier 1 risk-based capital ratio | 12.8582% | 5,078 |
| Total risk-based capital ratio | 14.0142% | 5,082 |
| Memoranda: | ||
| Average total assets | $139,324,200 | 3,888 |
| Average earning assets | $129,623,400 | 3,851 |
| Average equity | $15,618,200 | 3,760 |
| Average total loans | $103,831,600 | 3,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 1,411 |
| Cost of funding earning assets | 0.9293% | 709 |
| Net interest margin | 3.8433% | 2,491 |
| Noninterest income to average assets | 6.8134% | 101 |
| Noninterest expense to average assets | 8.7258% | 99 |
| Loan and lease loss provision to assets | 0.1931% | 1,887 |
| Net operating income to assets | 1.4422% | 1,001 |
| Return on assets (ROA) | 1.4422% | 1,061 |
| Pretax return on assets | 1.4557% | 1,742 |
| Return on Equity (ROE) | 12.6612% | 1,323 |
| Retained earnings to average equity (ytd only) | 4.3814% | 3,556 |
| Net charge-offs to loans | 0.0415% | 4,322 |
| Credit loss provision to net charge-offs | 625.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 53.3696% | 828 |
| Efficiency ratio | 84.1072% | 1,582 |
| Assets per employee ($millions) | 1.2535% | 6,819 |
| Cash dividends to net income (ytd only)* | 65.3947% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,369 |
| Loan loss allowance to noncurrent loans | 135.3938% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 4,193 |
| Noncurrent loans to loans | 0.9632% | 3,887 |
| Net loans and leases to total assets | 71.2986% | 1,728 |
| Net loans and leases to deposits | 86.4893% | 1,563 |
| Net loans and leases to core deposits | 97.3046% | 1,287 |
| Total domestic deposits to total assets | 82.4364% | 4,784 |
| Equity capital to assets | 10.6708% | 3,101 |
| Core capital (leverage) ratio | 11.1794% | 2,320 |
| Tier 1 risk-based capital ratio | 13.4155% | 4,823 |
| Total risk-based capital ratio | 14.5931% | 4,810 |
| Memoranda: | ||
| Average total assets | $138,116,250 | 3,947 |
| Average earning assets | $127,976,250 | 3,918 |
| Average equity | $15,732,750 | 3,786 |
| Average total loans | $102,856,500 | 3,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,546 |
| Cost of funding earning assets | 0.9744% | 623 |
| Net interest margin | 3.7328% | 2,830 |
| Noninterest income to average assets | 6.6713% | 107 |
| Noninterest expense to average assets | 7.5501% | 130 |
| Loan and lease loss provision to assets | 0.2204% | 1,720 |
| Net operating income to assets | 2.3599% | 200 |
| Return on assets (ROA) | 2.3599% | 212 |
| Pretax return on assets | 2.3629% | 323 |
| Return on Equity (ROE) | 20.2654% | 284 |
| Retained earnings to average equity (ytd only) | 12.4167% | 436 |
| Net charge-offs to loans | 0.0391% | 4,129 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 87.9000% | 516 |
| Efficiency ratio | 74.5070% | 3,027 |
| Assets per employee ($millions) | 1.3592% | 6,858 |
| Cash dividends to net income (ytd only)* | 38.7298% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,517 |
| Loan loss allowance to noncurrent loans | 336.7347% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 5,512 |
| Noncurrent loans to loans | 0.3857% | 5,307 |
| Net loans and leases to total assets | 73.0664% | 1,394 |
| Net loans and leases to deposits | 89.8728% | 1,156 |
| Net loans and leases to core deposits | 97.0096% | 1,280 |
| Total domestic deposits to total assets | 81.2998% | 5,264 |
| Equity capital to assets | 11.5368% | 2,263 |
| Core capital (leverage) ratio | 11.6902% | 1,808 |
| Tier 1 risk-based capital ratio | 13.6931% | 4,645 |
| Total risk-based capital ratio | 14.8272% | 4,686 |
| Memoranda: | ||
| Average total assets | $136,105,000 | 4,021 |
| Average earning assets | $126,233,330 | 3,982 |
| Average equity | $15,849,670 | 3,796 |
| Average total loans | $102,430,330 | 3,428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,673 |
| Cost of funding earning assets | 0.9674% | 717 |
| Net interest margin | 3.6826% | 2,934 |
| Noninterest income to average assets | 7.7039% | 92 |
| Noninterest expense to average assets | 7.8573% | 126 |
| Loan and lease loss provision to assets | 0.1476% | 2,403 |
| Net operating income to assets | 3.1199% | 97 |
| Return on assets (ROA) | 3.1199% | 103 |
| Pretax return on assets | 3.1258% | 145 |
| Return on Equity (ROE) | 26.6658% | 104 |
| Retained earnings to average equity (ytd only) | 24.4458% | 66 |
| Net charge-offs to loans | -0.0078% | 5,364 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5914% | 3,872 |
| Assets per employee ($millions) | 1.4806% | 6,925 |
| Cash dividends to net income (ytd only)* | 8.3254% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,114 |
| Loan loss allowance to noncurrent loans | 418.1818% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 5,487 |
| Noncurrent loans to loans | 0.2905% | 5,683 |
| Net loans and leases to total assets | 75.7992% | 864 |
| Net loans and leases to deposits | 93.9668% | 666 |
| Net loans and leases to core deposits | 96.7555% | 1,157 |
| Total domestic deposits to total assets | 80.6660% | 5,581 |
| Equity capital to assets | 12.2340% | 1,879 |
| Core capital (leverage) ratio | 11.7860% | 1,687 |
| Tier 1 risk-based capital ratio | 14.2956% | 4,292 |
| Total risk-based capital ratio | 15.4107% | 4,350 |
| Memoranda: | ||
| Average total assets | $135,516,500 | 4,078 |
| Average earning assets | $126,107,500 | 4,018 |
| Average equity | $15,855,500 | 3,841 |
| Average total loans | $102,832,000 | 3,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 1,692 |
| Cost of funding earning assets | 1.1116% | 867 |
| Net interest margin | 3.8374% | 3,074 |
| Noninterest income to average assets | 4.1785% | 175 |
| Noninterest expense to average assets | 5.8454% | 235 |
| Loan and lease loss provision to assets | 0.2458% | 2,689 |
| Net operating income to assets | 1.6722% | 653 |
| Return on assets (ROA) | 1.6737% | 730 |
| Pretax return on assets | 1.6813% | 1,181 |
| Return on Equity (ROE) | 14.7325% | 865 |
| Retained earnings to average equity (ytd only) | 4.1541% | 3,302 |
| Net charge-offs to loans | 0.0804% | 4,865 |
| Credit loss provision to net charge-offs | 416.6667% | 579 |
| Earnings coverage of net charge-offs (x) | 32.6410% | 949 |
| Efficiency ratio | 75.2214% | 2,870 |
| Assets per employee ($millions) | 1.4815% | 6,988 |
| Cash dividends to net income (ytd only)* | 71.8030% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,343 |
| Loan loss allowance to noncurrent loans | 636.3636% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 5,463 |
| Noncurrent loans to loans | 0.1808% | 6,021 |
| Net loans and leases to total assets | 74.1960% | 1,169 |
| Net loans and leases to deposits | 90.6936% | 1,008 |
| Net loans and leases to core deposits | 101.8400% | 896 |
| Total domestic deposits to total assets | 81.8095% | 5,161 |
| Equity capital to assets | 11.1837% | 2,755 |
| Core capital (leverage) ratio | 11.0732% | 2,194 |
| Tier 1 risk-based capital ratio | 12.6707% | 5,349 |
| Total risk-based capital ratio | 13.6790% | 5,476 |
| Memoranda: | ||
| Average total assets | $132,223,000 | 4,102 |
| Average earning assets | $123,782,800 | 4,025 |
| Average equity | $15,021,200 | 3,965 |
| Average total loans | $97,039,000 | 3,592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 1,595 |
| Cost of funding earning assets | 1.1591% | 836 |
| Net interest margin | 3.8763% | 3,002 |
| Noninterest income to average assets | 3.1724% | 232 |
| Noninterest expense to average assets | 5.1535% | 333 |
| Loan and lease loss provision to assets | 0.2293% | 2,764 |
| Net operating income to assets | 1.4125% | 1,197 |
| Return on assets (ROA) | 1.4145% | 1,307 |
| Pretax return on assets | 1.4247% | 2,159 |
| Return on Equity (ROE) | 12.4001% | 1,498 |
| Retained earnings to average equity (ytd only) | 3.1179% | 4,678 |
| Net charge-offs to loans | 0.1159% | 4,219 |
| Credit loss provision to net charge-offs | 271.0843% | 1,004 |
| Earnings coverage of net charge-offs (x) | 19.5308% | 1,491 |
| Efficiency ratio | 75.7263% | 2,716 |
| Assets per employee ($millions) | 2.1009% | 6,966 |
| Cash dividends to net income (ytd only)* | 74.8560% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,856 |
| Loan loss allowance to noncurrent loans | 606.1453% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 5,207 |
| Noncurrent loans to loans | 0.1748% | 6,174 |
| Net loans and leases to total assets | 74.1830% | 1,222 |
| Net loans and leases to deposits | 92.2262% | 952 |
| Net loans and leases to core deposits | 106.8629% | 696 |
| Total domestic deposits to total assets | 80.4358% | 5,539 |
| Equity capital to assets | 11.1130% | 3,136 |
| Core capital (leverage) ratio | 11.2001% | 2,211 |
| Tier 1 risk-based capital ratio | 12.5901% | 5,574 |
| Total risk-based capital ratio | 13.5207% | 5,764 |
| Memoranda: | ||
| Average total assets | $130,833,500 | 4,165 |
| Average earning assets | $122,623,500 | 4,089 |
| Average equity | $14,924,250 | 4,024 |
| Average total loans | $95,444,250 | 3,668 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 1,765 |
| Cost of funding earning assets | 1.2390% | 683 |
| Net interest margin | 3.7700% | 3,496 |
| Noninterest income to average assets | 2.7551% | 268 |
| Noninterest expense to average assets | 5.0479% | 363 |
| Loan and lease loss provision to assets | 0.1551% | 3,579 |
| Net operating income to assets | 1.0797% | 2,126 |
| Return on assets (ROA) | 1.0797% | 2,342 |
| Pretax return on assets | 1.0921% | 3,333 |
| Return on Equity (ROE) | 9.3798% | 2,625 |
| Retained earnings to average equity (ytd only) | 3.1805% | 4,497 |
| Net charge-offs to loans | 0.0430% | 4,775 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 873 |
| Efficiency ratio | 80.1873% | 2,142 |
| Assets per employee ($millions) | 2.0422% | 7,040 |
| Cash dividends to net income (ytd only)* | 66.0920% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,726 |
| Loan loss allowance to noncurrent loans | 115.5932% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 4,255 |
| Noncurrent loans to loans | 0.9646% | 4,581 |
| Net loans and leases to total assets | 72.8302% | 1,419 |
| Net loans and leases to deposits | 90.5136% | 1,092 |
| Net loans and leases to core deposits | 92.4316% | 1,739 |
| Total domestic deposits to total assets | 80.4633% | 5,625 |
| Equity capital to assets | 12.0730% | 2,095 |
| Core capital (leverage) ratio | 11.5340% | 1,879 |
| Tier 1 risk-based capital ratio | 14.0891% | 4,375 |
| Total risk-based capital ratio | 15.0786% | 4,553 |
| Memoranda: | ||
| Average total assets | $128,924,330 | 4,231 |
| Average earning assets | $121,061,000 | 4,149 |
| Average equity | $14,840,330 | 4,022 |
| Average total loans | $93,129,000 | 3,729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 1,920 |
| Cost of funding earning assets | 1.2884% | 660 |
| Net interest margin | 3.7031% | 3,813 |
| Noninterest income to average assets | 2.4074% | 315 |
| Noninterest expense to average assets | 4.6164% | 495 |
| Loan and lease loss provision to assets | 0.1526% | 3,466 |
| Net operating income to assets | 1.1198% | 1,992 |
| Return on assets (ROA) | 1.1198% | 2,176 |
| Pretax return on assets | 1.1198% | 3,244 |
| Return on Equity (ROE) | 9.9590% | 2,417 |
| Retained earnings to average equity (ytd only) | -1.1669% | 6,178 |
| Net charge-offs to loans | 0.1194% | 3,395 |
| Credit loss provision to net charge-offs | 178.5714% | 1,441 |
| Earnings coverage of net charge-offs (x) | 14.8929% | 1,448 |
| Efficiency ratio | 78.3938% | 2,442 |
| Assets per employee ($millions) | 2.0744% | 7,093 |
| Cash dividends to net income (ytd only)* | 111.7166% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,929 |
| Loan loss allowance to noncurrent loans | 126.8068% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 4,779 |
| Noncurrent loans to loans | 0.8602% | 4,952 |
| Net loans and leases to total assets | 68.0372% | 2,109 |
| Net loans and leases to deposits | 85.4626% | 1,480 |
| Net loans and leases to core deposits | 87.2277% | 2,144 |
| Total domestic deposits to total assets | 79.6105% | 5,944 |
| Equity capital to assets | 11.4357% | 2,496 |
| Core capital (leverage) ratio | 11.0387% | 2,231 |
| Tier 1 risk-based capital ratio | 13.8745% | 4,552 |
| Total risk-based capital ratio | 14.8116% | 4,768 |
| Memoranda: | ||
| Average total assets | $131,098,500 | 4,211 |
| Average earning assets | $123,249,500 | 4,127 |
| Average equity | $14,740,500 | 4,045 |
| Average total loans | $93,817,500 | 3,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3953% | 1,429 |
| Cost of funding earning assets | 1.4978% | 725 |
| Net interest margin | 3.8975% | 3,350 |
| Noninterest income to average assets | 2.3903% | 286 |
| Noninterest expense to average assets | 4.5838% | 541 |
| Loan and lease loss provision to assets | 0.1595% | 4,632 |
| Net operating income to assets | 1.2999% | 1,250 |
| Return on assets (ROA) | 1.3853% | 1,143 |
| Pretax return on assets | 1.4009% | 1,789 |
| Return on Equity (ROE) | 13.7842% | 985 |
| Retained earnings to average equity (ytd only) | 7.6699% | 1,203 |
| Net charge-offs to loans | 0.1234% | 5,154 |
| Credit loss provision to net charge-offs | 179.8246% | 1,448 |
| Earnings coverage of net charge-offs (x) | 16.6228% | 1,314 |
| Efficiency ratio | 75.6677% | 2,942 |
| Assets per employee ($millions) | 2.2264% | 7,063 |
| Cash dividends to net income (ytd only)* | 44.3571% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 6,395 |
| Loan loss allowance to noncurrent loans | 123.2680% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 4,773 |
| Noncurrent loans to loans | 0.7714% | 5,148 |
| Net loans and leases to total assets | 73.5286% | 1,350 |
| Net loans and leases to deposits | 91.8417% | 982 |
| Net loans and leases to core deposits | 99.8475% | 1,193 |
| Total domestic deposits to total assets | 80.0602% | 5,725 |
| Equity capital to assets | 11.0591% | 2,933 |
| Core capital (leverage) ratio | 10.6296% | 2,583 |
| Tier 1 risk-based capital ratio | 12.7388% | 5,280 |
| Total risk-based capital ratio | 13.5770% | 5,570 |
| Memoranda: | ||
| Average total assets | $128,561,200 | 4,203 |
| Average earning assets | $120,976,000 | 4,113 |
| Average equity | $12,920,600 | 4,350 |
| Average total loans | $92,362,800 | 3,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 1,651 |
| Cost of funding earning assets | 1.5547% | 708 |
| Net interest margin | 3.8034% | 3,865 |
| Noninterest income to average assets | 2.1899% | 328 |
| Noninterest expense to average assets | 4.4731% | 591 |
| Loan and lease loss provision to assets | 0.1288% | 4,820 |
| Net operating income to assets | 1.1553% | 1,796 |
| Return on assets (ROA) | 1.2704% | 1,559 |
| Pretax return on assets | 1.2861% | 2,336 |
| Return on Equity (ROE) | 12.9825% | 1,284 |
| Retained earnings to average equity (ytd only) | 5.5976% | 2,794 |
| Net charge-offs to loans | 0.1235% | 4,804 |
| Credit loss provision to net charge-offs | 146.4286% | 2,153 |
| Earnings coverage of net charge-offs (x) | 14.7615% | 1,512 |
| Efficiency ratio | 77.4995% | 2,608 |
| Assets per employee ($millions) | 2.3451% | 7,036 |
| Cash dividends to net income (ytd only)* | 56.8840% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,468 |
| Loan loss allowance to noncurrent loans | 189.5745% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 5,418 |
| Noncurrent loans to loans | 0.4980% | 5,847 |
| Net loans and leases to total assets | 72.4785% | 1,616 |
| Net loans and leases to deposits | 91.2049% | 1,086 |
| Net loans and leases to core deposits | 97.9578% | 1,426 |
| Total domestic deposits to total assets | 79.4678% | 5,880 |
| Equity capital to assets | 11.0953% | 3,053 |
| Core capital (leverage) ratio | 10.8533% | 2,517 |
| Tier 1 risk-based capital ratio | 15.6821% | 3,289 |
| Total risk-based capital ratio | 16.6900% | 3,391 |
| Memoranda: | ||
| Average total assets | $127,306,000 | 4,249 |
| Average earning assets | $119,888,750 | 4,156 |
| Average equity | $12,457,500 | 4,459 |
| Average total loans | $90,662,500 | 3,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 1,793 |
| Cost of funding earning assets | 1.6212% | 646 |
| Net interest margin | 3.7056% | 4,235 |
| Noninterest income to average assets | 1.6979% | 466 |
| Noninterest expense to average assets | 4.3315% | 719 |
| Loan and lease loss provision to assets | 0.1026% | 5,030 |
| Net operating income to assets | 0.7357% | 3,361 |
| Return on assets (ROA) | 0.9073% | 2,712 |
| Pretax return on assets | 0.9231% | 3,540 |
| Return on Equity (ROE) | 9.7131% | 2,227 |
| Retained earnings to average equity (ytd only) | 0.7433% | 5,561 |
| Net charge-offs to loans | 0.1051% | 4,633 |
| Credit loss provision to net charge-offs | 138.2979% | 2,205 |
| Earnings coverage of net charge-offs (x) | 11.4681% | 1,714 |
| Efficiency ratio | 83.5871% | 1,874 |
| Assets per employee ($millions) | 2.2906% | 7,125 |
| Cash dividends to net income (ytd only)* | 92.3478% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,566 |
| Loan loss allowance to noncurrent loans | 116.4659% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 5,230 |
| Noncurrent loans to loans | 0.8029% | 5,312 |
| Net loans and leases to total assets | 74.5194% | 1,323 |
| Net loans and leases to deposits | 92.6595% | 981 |
| Net loans and leases to core deposits | 94.6480% | 1,830 |
| Total domestic deposits to total assets | 80.4228% | 5,700 |
| Equity capital to assets | 9.7025% | 4,532 |
| Core capital (leverage) ratio | 9.1651% | 4,468 |
| Tier 1 risk-based capital ratio | 13.2409% | 4,735 |
| Total risk-based capital ratio | 14.2354% | 4,908 |
| Memoranda: | ||
| Average total assets | $126,747,000 | 4,293 |
| Average earning assets | $119,172,000 | 4,206 |
| Average equity | $11,839,670 | 4,596 |
| Average total loans | $89,424,670 | 3,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 2,103 |
| Cost of funding earning assets | 1.6464% | 681 |
| Net interest margin | 3.5876% | 4,628 |
| Noninterest income to average assets | 1.3440% | 714 |
| Noninterest expense to average assets | 4.2908% | 731 |
| Loan and lease loss provision to assets | 0.0094% | 5,783 |
| Net operating income to assets | 0.4179% | 4,867 |
| Return on assets (ROA) | 0.4179% | 4,960 |
| Pretax return on assets | 0.4210% | 5,278 |
| Return on Equity (ROE) | 4.5582% | 4,621 |
| Retained earnings to average equity (ytd only) | -6.2931% | 6,615 |
| Net charge-offs to loans | 0.0320% | 4,651 |
| Credit loss provision to net charge-offs | 42.8571% | 3,891 |
| Earnings coverage of net charge-offs (x) | 19.7143% | 1,127 |
| Efficiency ratio | 90.8851% | 1,251 |
| Assets per employee ($millions) | 2.5114% | 6,974 |
| Cash dividends to net income (ytd only)* | 238.0597% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,452 |
| Loan loss allowance to noncurrent loans | 153.6232% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 5,378 |
| Noncurrent loans to loans | 0.6410% | 5,752 |
| Net loans and leases to total assets | 67.9085% | 2,567 |
| Net loans and leases to deposits | 84.0130% | 2,025 |
| Net loans and leases to core deposits | 85.7715% | 2,906 |
| Total domestic deposits to total assets | 80.8309% | 5,712 |
| Equity capital to assets | 9.3094% | 4,710 |
| Core capital (leverage) ratio | 8.9424% | 4,704 |
| Tier 1 risk-based capital ratio | 13.4806% | 4,432 |
| Total risk-based capital ratio | 14.4874% | 4,608 |
| Memoranda: | ||
| Average total assets | $128,275,500 | 4,301 |
| Average earning assets | $120,749,500 | 4,203 |
| Average equity | $11,759,000 | 4,612 |
| Average total loans | $87,615,500 | 4,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 2,115 |
| Cost of funding earning assets | 1.9255% | 773 |
| Net interest margin | 3.6171% | 4,731 |
| Noninterest income to average assets | 1.8020% | 471 |
| Noninterest expense to average assets | 3.8330% | 1,421 |
| Loan and lease loss provision to assets | 0.0792% | 6,367 |
| Net operating income to assets | 1.2822% | 1,221 |
| Return on assets (ROA) | 1.2521% | 1,360 |
| Pretax return on assets | 1.2552% | 2,064 |
| Return on Equity (ROE) | 13.9615% | 884 |
| Retained earnings to average equity (ytd only) | 8.6950% | 788 |
| Net charge-offs to loans | 0.0850% | 5,986 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 22.9600% | 920 |
| Efficiency ratio | 73.7460% | 3,455 |
| Assets per employee ($millions) | 2.6196% | 6,821 |
| Cash dividends to net income (ytd only)* | 37.7215% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,550 |
| Loan loss allowance to noncurrent loans | 204.3165% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 5,779 |
| Noncurrent loans to loans | 0.4680% | 6,108 |
| Net loans and leases to total assets | 67.3826% | 3,130 |
| Net loans and leases to deposits | 85.3681% | 2,213 |
| Net loans and leases to core deposits | 87.1149% | 3,169 |
| Total domestic deposits to total assets | 78.9317% | 6,099 |
| Equity capital to assets | 9.0305% | 5,096 |
| Core capital (leverage) ratio | 9.0160% | 4,520 |
| Tier 1 risk-based capital ratio | 12.8649% | 4,718 |
| Total risk-based capital ratio | 13.8147% | 4,952 |
| Memoranda: | ||
| Average total assets | $126,192,400 | 4,346 |
| Average earning assets | $118,464,000 | 4,265 |
| Average equity | $11,316,800 | 4,786 |
| Average total loans | $88,198,600 | 4,102 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 2,198 |
| Cost of funding earning assets | 1.9841% | 791 |
| Net interest margin | 3.5793% | 4,976 |
| Noninterest income to average assets | 1.5584% | 573 |
| Noninterest expense to average assets | 3.7430% | 1,488 |
| Loan and lease loss provision to assets | 0.0533% | 6,545 |
| Net operating income to assets | 1.1200% | 1,827 |
| Return on assets (ROA) | 1.1563% | 1,811 |
| Pretax return on assets | 1.1563% | 2,651 |
| Return on Equity (ROE) | 12.9172% | 1,277 |
| Retained earnings to average equity (ytd only) | 6.9591% | 1,875 |
| Net charge-offs to loans | 0.0242% | 6,337 |
| Credit loss provision to net charge-offs | 312.5000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 68.7590% | 439 |
| Efficiency ratio | 76.1337% | 2,926 |
| Assets per employee ($millions) | 2.6663% | 6,827 |
| Cash dividends to net income (ytd only)* | 46.1254% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,685 |
| Loan loss allowance to noncurrent loans | 121.4386% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 5,626 |
| Noncurrent loans to loans | 0.7553% | 5,694 |
| Net loans and leases to total assets | 72.6685% | 2,087 |
| Net loans and leases to deposits | 92.8740% | 1,345 |
| Net loans and leases to core deposits | 94.2825% | 2,488 |
| Total domestic deposits to total assets | 78.2442% | 6,209 |
| Equity capital to assets | 9.2340% | 5,255 |
| Core capital (leverage) ratio | 8.9048% | 4,843 |
| Tier 1 risk-based capital ratio | 12.2403% | 5,232 |
| Total risk-based capital ratio | 13.1863% | 5,494 |
| Memoranda: | ||
| Average total assets | $124,995,750 | 4,443 |
| Average earning assets | $117,262,750 | 4,348 |
| Average equity | $11,189,000 | 4,881 |
| Average total loans | $87,971,000 | 4,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 2,423 |
| Cost of funding earning assets | 2.0331% | 815 |
| Net interest margin | 3.4921% | 5,281 |
| Noninterest income to average assets | 1.2597% | 812 |
| Noninterest expense to average assets | 3.6678% | 1,629 |
| Loan and lease loss provision to assets | 0.0806% | 6,128 |
| Net operating income to assets | 0.7887% | 3,018 |
| Return on assets (ROA) | 0.8436% | 2,913 |
| Pretax return on assets | 0.8436% | 3,730 |
| Return on Equity (ROE) | 9.5270% | 2,263 |
| Retained earnings to average equity (ytd only) | 2.6960% | 4,424 |
| Net charge-offs to loans | 0.0047% | 6,310 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 269.5000% | 122 |
| Efficiency ratio | 80.8390% | 2,326 |
| Assets per employee ($millions) | 2.6597% | 6,844 |
| Cash dividends to net income (ytd only)* | 71.7017% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,235 |
| Loan loss allowance to noncurrent loans | 121.6968% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 5,736 |
| Noncurrent loans to loans | 0.8535% | 5,557 |
| Net loans and leases to total assets | 68.1392% | 3,331 |
| Net loans and leases to deposits | 87.6136% | 2,245 |
| Net loans and leases to core deposits | 88.8945% | 3,426 |
| Total domestic deposits to total assets | 77.7724% | 6,320 |
| Equity capital to assets | 9.0471% | 5,372 |
| Core capital (leverage) ratio | 8.5989% | 5,237 |
| Tier 1 risk-based capital ratio | 11.9622% | 5,344 |
| Total risk-based capital ratio | 12.9400% | 5,556 |
| Memoranda: | ||
| Average total assets | $123,999,670 | 4,489 |
| Average earning assets | $116,376,000 | 4,407 |
| Average equity | $10,979,330 | 4,926 |
| Average total loans | $86,006,330 | 4,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 2,494 |
| Cost of funding earning assets | 2.0733% | 879 |
| Net interest margin | 3.4476% | 5,383 |
| Noninterest income to average assets | 1.2690% | 759 |
| Noninterest expense to average assets | 3.5057% | 1,969 |
| Loan and lease loss provision to assets | 0.1602% | 4,928 |
| Net operating income to assets | 0.8428% | 2,782 |
| Return on assets (ROA) | 0.9517% | 2,420 |
| Pretax return on assets | 0.9517% | 3,259 |
| Return on Equity (ROE) | 10.8647% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.2554% | 2,491 |
| Net charge-offs to loans | 0.1427% | 4,079 |
| Credit loss provision to net charge-offs | 161.2903% | 2,237 |
| Earnings coverage of net charge-offs (x) | 10.0968% | 1,781 |
| Efficiency ratio | 77.7541% | 2,937 |
| Assets per employee ($millions) | 2.8838% | 6,474 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,364 |
| Loan loss allowance to noncurrent loans | 89.6186% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 5,628 |
| Noncurrent loans to loans | 1.1373% | 5,093 |
| Net loans and leases to total assets | 66.2538% | 3,793 |
| Net loans and leases to deposits | 85.0186% | 2,760 |
| Net loans and leases to core deposits | 86.9256% | 3,767 |
| Total domestic deposits to total assets | 77.9286% | 6,331 |
| Equity capital to assets | 8.8870% | 5,426 |
| Core capital (leverage) ratio | 8.5751% | 5,247 |
| Tier 1 risk-based capital ratio | 11.9800% | 5,212 |
| Total risk-based capital ratio | 12.9248% | 5,467 |
| Memoranda: | ||
| Average total assets | $124,825,500 | 4,526 |
| Average earning assets | $117,300,000 | 4,442 |
| Average equity | $10,934,500 | 4,996 |
| Average total loans | $86,888,500 | 4,291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 1,254 |
| Cost of funding earning assets | 2.5334% | 939 |
| Net interest margin | 3.6592% | 4,314 |
| Noninterest income to average assets | 1.0384% | 1,444 |
| Noninterest expense to average assets | 3.4071% | 2,655 |
| Loan and lease loss provision to assets | 0.1033% | 6,599 |
| Net operating income to assets | 0.9801% | 1,906 |
| Return on assets (ROA) | 1.0138% | 1,843 |
| Pretax return on assets | 1.0138% | 2,545 |
| Return on Equity (ROE) | 12.1395% | 1,125 |
| Retained earnings to average equity (ytd only) | 9.3502% | 445 |
| Net charge-offs to loans | 0.1423% | 5,811 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 10.4841% | 1,682 |
| Efficiency ratio | 75.8721% | 3,549 |
| Assets per employee ($millions) | 2.9221% | 6,405 |
| Cash dividends to net income (ytd only)* | 22.9773% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,767 |
| Loan loss allowance to noncurrent loans | 113.9118% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 6,018 |
| Noncurrent loans to loans | 0.7998% | 5,683 |
| Net loans and leases to total assets | 71.5867% | 2,864 |
| Net loans and leases to deposits | 92.6735% | 1,790 |
| Net loans and leases to core deposits | 110.1750% | 2,876 |
| Total domestic deposits to total assets | 77.2461% | 6,398 |
| Equity capital to assets | 8.6344% | 5,686 |
| Core capital (leverage) ratio | 8.4661% | 5,332 |
| Tier 1 risk-based capital ratio | 11.3149% | 5,604 |
| Total risk-based capital ratio | 12.2013% | 5,936 |
| Memoranda: | ||
| Average total assets | $121,922,600 | 4,516 |
| Average earning assets | $115,024,800 | 4,419 |
| Average equity | $10,181,600 | 5,247 |
| Average total loans | $88,518,400 | 4,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2952% | 1,145 |
| Cost of funding earning assets | 2.6042% | 1,021 |
| Net interest margin | 3.6910% | 4,109 |
| Noninterest income to average assets | 0.9664% | 1,715 |
| Noninterest expense to average assets | 3.3137% | 2,858 |
| Loan and lease loss provision to assets | 0.1058% | 6,320 |
| Net operating income to assets | 1.0315% | 1,960 |
| Return on assets (ROA) | 1.0766% | 1,860 |
| Pretax return on assets | 1.0766% | 2,648 |
| Return on Equity (ROE) | 13.0071% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.5191% | 727 |
| Net charge-offs to loans | 0.0455% | 6,270 |
| Credit loss provision to net charge-offs | 320.0000% | 1,283 |
| Earnings coverage of net charge-offs (x) | 34.3993% | 838 |
| Efficiency ratio | 74.4491% | 3,792 |
| Assets per employee ($millions) | 2.9845% | 6,201 |
| Cash dividends to net income (ytd only)* | 26.8165% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,518 |
| Loan loss allowance to noncurrent loans | 114.6341% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,877 |
| Noncurrent loans to loans | 0.8322% | 5,634 |
| Net loans and leases to total assets | 73.9641% | 2,533 |
| Net loans and leases to deposits | 95.9435% | 1,586 |
| Net loans and leases to core deposits | 123.8366% | 1,914 |
| Total domestic deposits to total assets | 77.0913% | 6,315 |
| Equity capital to assets | 8.5792% | 6,138 |
| Core capital (leverage) ratio | 8.0553% | 6,261 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,644 |
| Total risk-based capital ratio | 12.2679% | 5,901 |
| Memoranda: | ||
| Average total assets | $120,991,000 | 4,568 |
| Average earning assets | $114,221,500 | 4,472 |
| Average equity | $10,014,750 | 5,331 |
| Average total loans | $87,954,250 | 4,312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2415% | 1,354 |
| Cost of funding earning assets | 2.6544% | 1,150 |
| Net interest margin | 3.5871% | 4,419 |
| Noninterest income to average assets | 1.0423% | 1,454 |
| Noninterest expense to average assets | 3.1789% | 3,397 |
| Loan and lease loss provision to assets | 0.0636% | 6,575 |
| Net operating income to assets | 1.1846% | 1,519 |
| Return on assets (ROA) | 1.1846% | 1,604 |
| Pretax return on assets | 1.1846% | 2,345 |
| Return on Equity (ROE) | 14.4958% | 906 |
| Retained earnings to average equity (ytd only) | 12.9603% | 336 |
| Net charge-offs to loans | 0.0511% | 5,772 |
| Credit loss provision to net charge-offs | 172.7273% | 2,663 |
| Earnings coverage of net charge-offs (x) | 33.9091% | 917 |
| Efficiency ratio | 71.8065% | 4,452 |
| Assets per employee ($millions) | 3.2060% | 5,571 |
| Cash dividends to net income (ytd only)* | 10.5932% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,622 |
| Loan loss allowance to noncurrent loans | 106.7089% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,824 |
| Noncurrent loans to loans | 0.8756% | 5,469 |
| Net loans and leases to total assets | 71.4830% | 3,350 |
| Net loans and leases to deposits | 92.3966% | 2,395 |
| Net loans and leases to core deposits | 118.0547% | 2,540 |
| Total domestic deposits to total assets | 77.3654% | 6,235 |
| Equity capital to assets | 8.0842% | 6,650 |
| Core capital (leverage) ratio | 8.2337% | 5,913 |
| Tier 1 risk-based capital ratio | 11.4151% | 5,475 |
| Total risk-based capital ratio | 12.3552% | 5,690 |
| Memoranda: | ||
| Average total assets | $119,538,000 | 4,646 |
| Average earning assets | $112,793,330 | 4,546 |
| Average equity | $9,768,330 | 5,431 |
| Average total loans | $86,070,000 | 4,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3168% | 1,250 |
| Cost of funding earning assets | 2.7113% | 1,238 |
| Net interest margin | 3.6054% | 4,296 |
| Noninterest income to average assets | 0.8871% | 1,902 |
| Noninterest expense to average assets | 3.1030% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1816% | 1,708 |
| Return on assets (ROA) | 1.1816% | 1,817 |
| Pretax return on assets | 1.1816% | 2,679 |
| Return on Equity (ROE) | 14.3772% | 1,092 |
| Retained earnings to average equity (ytd only) | 14.3772% | 481 |
| Net charge-offs to loans | 0.0619% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 26.5385% | 1,176 |
| Efficiency ratio | 72.4221% | 4,119 |
| Assets per employee ($millions) | 3.1488% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,360 |
| Loan loss allowance to noncurrent loans | 186.6972% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 6,397 |
| Noncurrent loans to loans | 0.5205% | 6,123 |
| Net loans and leases to total assets | 69.3285% | 3,837 |
| Net loans and leases to deposits | 89.2555% | 3,057 |
| Net loans and leases to core deposits | 114.5724% | 2,949 |
| Total domestic deposits to total assets | 77.6741% | 6,111 |
| Equity capital to assets | 8.2496% | 6,464 |
| Core capital (leverage) ratio | 8.3494% | 5,811 |
| Tier 1 risk-based capital ratio | 11.4061% | 5,500 |
| Total risk-based capital ratio | 12.3394% | 5,728 |
| Memoranda: | ||
| Average total assets | $116,790,000 | 4,735 |
| Average earning assets | $110,056,500 | 4,638 |
| Average equity | $9,598,500 | 5,507 |
| Average total loans | $83,994,500 | 4,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0235% | 1,072 |
| Cost of funding earning assets | 2.9436% | 2,078 |
| Net interest margin | 4.0799% | 2,795 |
| Noninterest income to average assets | 0.7616% | 2,715 |
| Noninterest expense to average assets | 3.2240% | 3,242 |
| Loan and lease loss provision to assets | 0.0508% | 6,778 |
| Net operating income to assets | 1.2965% | 1,491 |
| Return on assets (ROA) | 0.7316% | 3,586 |
| Pretax return on assets | 0.7307% | 4,299 |
| Return on Equity (ROE) | 8.9069% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.4744% | 1,775 |
| Net charge-offs to loans | 0.0049% | 6,911 |
| Credit loss provision to net charge-offs | 1,400.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 371.2500% | 132 |
| Efficiency ratio | 70.5416% | 4,241 |
| Assets per employee ($millions) | 2.7787% | 6,615 |
| Cash dividends to net income (ytd only)* | 38.5378% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,197 |
| Loan loss allowance to noncurrent loans | 189.6789% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 6,068 |
| Noncurrent loans to loans | 0.5177% | 5,798 |
| Net loans and leases to total assets | 73.1999% | 3,315 |
| Net loans and leases to deposits | 95.5038% | 2,526 |
| Net loans and leases to core deposits | 117.4235% | 2,956 |
| Total domestic deposits to total assets | 76.6460% | 6,082 |
| Equity capital to assets | 8.1861% | 6,570 |
| Core capital (leverage) ratio | 8.5505% | 5,482 |
| Tier 1 risk-based capital ratio | 11.3378% | 5,402 |
| Total risk-based capital ratio | 12.3141% | 5,556 |
| Memoranda: | ||
| Average total assets | $110,299,200 | 4,769 |
| Average earning assets | $102,968,000 | 4,715 |
| Average equity | $9,060,400 | 5,723 |
| Average total loans | $81,552,200 | 4,475 |