Home > Marion State Bank > Performance and Condition Ratios
Marion State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3068% | 808 |
| Cost of funding earning assets | 2.1182% | 1,610 |
| Net interest margin | 4.1887% | 986 |
| Noninterest income to average assets | 0.6200% | 1,271 |
| Noninterest expense to average assets | 3.7545% | 449 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.5356% | 3,504 |
| Return on assets (ROA) | 0.5356% | 3,519 |
| Pretax return on assets | 0.6629% | 3,464 |
| Return on Equity (ROE) | 4.8300% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.8262% | 2,614 |
| Net charge-offs to loans | 0.0475% | 1,189 |
| Credit loss provision to net charge-offs | 250.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,368 |
| Efficiency ratio | 83.4906% | 755 |
| Assets per employee ($millions) | 3.7550% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 2,714 |
| Loan loss allowance to noncurrent loans | 84.0199% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 850 |
| Noncurrent loans to loans | 1.3101% | 790 |
| Net loans and leases to total assets | 66.4100% | 2,245 |
| Net loans and leases to deposits | 75.7886% | 2,418 |
| Net loans and leases to core deposits | 80.2885% | 2,673 |
| Total domestic deposits to total assets | 87.6200% | 1,685 |
| Equity capital to assets | 11.1100% | 1,608 |
| Core capital (leverage) ratio | 11.6573% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2256% | 1,021 |
| Memoranda: | ||
| Average total assets | $226,286,000 | 2,859 |
| Average earning assets | $209,613,500 | 2,849 |
| Average equity | $25,113,000 | 2,679 |
| Average total loans | $151,597,500 | 2,756 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 1,075 |
| Cost of funding earning assets | 2.3336% | 1,476 |
| Net interest margin | 3.8352% | 1,437 |
| Noninterest income to average assets | 0.8800% | 786 |
| Noninterest expense to average assets | 3.8878% | 406 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.4217% | 3,647 |
| Return on assets (ROA) | 0.4217% | 3,669 |
| Pretax return on assets | 0.4984% | 3,651 |
| Return on Equity (ROE) | 3.9200% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.9771% | 3,049 |
| Net charge-offs to loans | 0.0527% | 1,610 |
| Credit loss provision to net charge-offs | 106.5789% | 1,793 |
| Earnings coverage of net charge-offs (x) | 15.6711% | 2,011 |
| Efficiency ratio | 87.9074% | 593 |
| Assets per employee ($millions) | 3.7884% | 4,143 |
| Cash dividends to net income (ytd only)* | 24.0682% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 2,617 |
| Loan loss allowance to noncurrent loans | 87.7766% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 833 |
| Noncurrent loans to loans | 1.2705% | 788 |
| Net loans and leases to total assets | 66.0900% | 2,349 |
| Net loans and leases to deposits | 75.6925% | 2,492 |
| Net loans and leases to core deposits | 80.8781% | 2,722 |
| Total domestic deposits to total assets | 87.3100% | 1,771 |
| Equity capital to assets | 11.0855% | 1,550 |
| Core capital (leverage) ratio | 11.7275% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3515% | 993 |
| Memoranda: | ||
| Average total assets | $222,695,600 | 2,861 |
| Average earning assets | $205,858,200 | 2,852 |
| Average equity | $23,949,200 | 2,699 |
| Average total loans | $144,153,200 | 2,782 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 1,163 |
| Cost of funding earning assets | 2.3155% | 1,511 |
| Net interest margin | 3.7589% | 1,527 |
| Noninterest income to average assets | 0.9300% | 691 |
| Noninterest expense to average assets | 3.7831% | 430 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.4980% | 3,473 |
| Return on assets (ROA) | 0.4980% | 3,505 |
| Pretax return on assets | 0.5957% | 3,477 |
| Return on Equity (ROE) | 4.6700% | 3,600 |
| Retained earnings to average equity (ytd only) | 4.6667% | 2,596 |
| Net charge-offs to loans | 0.0504% | 1,396 |
| Credit loss provision to net charge-offs | 75.9259% | 1,883 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,782 |
| Efficiency ratio | 85.9145% | 712 |
| Assets per employee ($millions) | 3.8853% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,694 |
| Loan loss allowance to noncurrent loans | 87.2419% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 749 |
| Noncurrent loans to loans | 1.2754% | 780 |
| Net loans and leases to total assets | 65.0000% | 2,418 |
| Net loans and leases to deposits | 74.5825% | 2,637 |
| Net loans and leases to core deposits | 79.4045% | 2,851 |
| Total domestic deposits to total assets | 87.1500% | 1,542 |
| Equity capital to assets | 11.1893% | 1,629 |
| Core capital (leverage) ratio | 11.7290% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4665% | 1,008 |
| Memoranda: | ||
| Average total assets | $222,490,250 | 2,855 |
| Average earning assets | $205,624,250 | 2,850 |
| Average equity | $23,742,000 | 2,702 |
| Average total loans | $142,844,250 | 2,790 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9985% | 1,167 |
| Cost of funding earning assets | 2.2959% | 1,449 |
| Net interest margin | 3.7025% | 1,590 |
| Noninterest income to average assets | 1.0400% | 554 |
| Noninterest expense to average assets | 3.8079% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5642% | 3,275 |
| Return on assets (ROA) | 0.5642% | 3,309 |
| Pretax return on assets | 0.6536% | 3,325 |
| Return on Equity (ROE) | 5.3800% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,219 |
| Net charge-offs to loans | 0.0765% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 13.4074% | 1,848 |
| Efficiency ratio | 85.3501% | 777 |
| Assets per employee ($millions) | 4.0678% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,528 |
| Loan loss allowance to noncurrent loans | 79.8311% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 486 |
| Noncurrent loans to loans | 1.4359% | 606 |
| Net loans and leases to total assets | 63.0900% | 2,644 |
| Net loans and leases to deposits | 72.4863% | 2,809 |
| Net loans and leases to core deposits | 76.7030% | 2,997 |
| Total domestic deposits to total assets | 87.0300% | 1,648 |
| Equity capital to assets | 10.9149% | 1,608 |
| Core capital (leverage) ratio | 11.7116% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $221,537,333 | 2,857 |
| Average earning assets | $204,886,000 | 2,852 |
| Average equity | $23,251,000 | 2,698 |
| Average total loans | $141,087,000 | 2,799 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 1,117 |
| Cost of funding earning assets | 2.2474% | 1,453 |
| Net interest margin | 3.7125% | 1,507 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 3.5797% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3614% | 3,696 |
| Return on assets (ROA) | 0.3614% | 3,718 |
| Pretax return on assets | 0.4315% | 3,698 |
| Return on Equity (ROE) | 3.5100% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.5127% | 2,845 |
| Net charge-offs to loans | 0.0820% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.2759% | 1,722 |
| Efficiency ratio | 89.2425% | 622 |
| Assets per employee ($millions) | 4.1523% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,502 |
| Loan loss allowance to noncurrent loans | 240.5007% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,670 |
| Noncurrent loans to loans | 0.4816% | 1,723 |
| Net loans and leases to total assets | 61.0200% | 2,760 |
| Net loans and leases to deposits | 69.7198% | 2,915 |
| Net loans and leases to core deposits | 73.7264% | 3,125 |
| Total domestic deposits to total assets | 87.5300% | 1,596 |
| Equity capital to assets | 10.1903% | 1,897 |
| Core capital (leverage) ratio | 11.6448% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $222,474,500 | 2,857 |
| Average earning assets | $205,575,000 | 2,853 |
| Average equity | $22,888,500 | 2,733 |
| Average total loans | $141,537,000 | 2,796 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 1,321 |
| Cost of funding earning assets | 1.6397% | 1,594 |
| Net interest margin | 3.7557% | 1,638 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 3.5902% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5604% | 3,536 |
| Return on assets (ROA) | 0.5604% | 3,525 |
| Pretax return on assets | 0.6928% | 3,454 |
| Return on Equity (ROE) | 5.7600% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.8401% | 2,655 |
| Net charge-offs to loans | 0.0359% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 1,609 |
| Efficiency ratio | 83.8240% | 669 |
| Assets per employee ($millions) | 3.9377% | 4,180 |
| Cash dividends to net income (ytd only)* | 15.9677% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,462 |
| Loan loss allowance to noncurrent loans | 239.6825% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 1,426 |
| Noncurrent loans to loans | 0.4878% | 1,566 |
| Net loans and leases to total assets | 64.8300% | 2,382 |
| Net loans and leases to deposits | 74.2336% | 2,598 |
| Net loans and leases to core deposits | 78.1160% | 2,830 |
| Total domestic deposits to total assets | 87.3400% | 1,576 |
| Equity capital to assets | 10.3914% | 1,787 |
| Core capital (leverage) ratio | 11.8114% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $221,266,000 | 2,842 |
| Average earning assets | $204,673,200 | 2,830 |
| Average equity | $21,528,600 | 2,730 |
| Average total loans | $136,671,200 | 2,801 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 1,379 |
| Cost of funding earning assets | 1.4897% | 1,637 |
| Net interest margin | 3.7484% | 1,692 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.2098% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5796% | 3,599 |
| Return on assets (ROA) | 0.5796% | 3,583 |
| Pretax return on assets | 0.7319% | 3,486 |
| Return on Equity (ROE) | 6.0600% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,608 |
| Net charge-offs to loans | 0.0374% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 32.1316% | 1,560 |
| Efficiency ratio | 81.4325% | 766 |
| Assets per employee ($millions) | 4.1416% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,379 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,238 |
| Noncurrent loans to loans | 0.2178% | 2,480 |
| Net loans and leases to total assets | 62.8400% | 2,579 |
| Net loans and leases to deposits | 71.4662% | 2,743 |
| Net loans and leases to core deposits | 74.9173% | 2,933 |
| Total domestic deposits to total assets | 87.9300% | 1,599 |
| Equity capital to assets | 9.7516% | 1,959 |
| Core capital (leverage) ratio | 11.7625% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1101% | 1,078 |
| Memoranda: | ||
| Average total assets | $222,439,000 | 2,845 |
| Average earning assets | $205,947,250 | 2,837 |
| Average equity | $21,284,500 | 2,739 |
| Average total loans | $135,320,000 | 2,818 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,498 |
| Cost of funding earning assets | 1.4101% | 1,422 |
| Net interest margin | 3.6271% | 1,975 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 3.1681% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5693% | 3,659 |
| Return on assets (ROA) | 0.5693% | 3,665 |
| Pretax return on assets | 0.7206% | 3,563 |
| Return on Equity (ROE) | 5.9900% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.9875% | 2,626 |
| Net charge-offs to loans | 0.0075% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 714 |
| Efficiency ratio | 81.4687% | 747 |
| Assets per employee ($millions) | 4.1568% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,159 |
| Loan loss allowance to noncurrent loans | 704.5455% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,318 |
| Noncurrent loans to loans | 0.1779% | 2,589 |
| Net loans and leases to total assets | 60.9700% | 2,678 |
| Net loans and leases to deposits | 68.0772% | 2,918 |
| Net loans and leases to core deposits | 70.7599% | 3,082 |
| Total domestic deposits to total assets | 89.5500% | 1,069 |
| Equity capital to assets | 9.6622% | 2,054 |
| Core capital (leverage) ratio | 11.2288% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $223,417,667 | 2,844 |
| Average earning assets | $206,940,000 | 2,844 |
| Average equity | $21,244,333 | 2,756 |
| Average total loans | $133,891,333 | 2,831 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,550 |
| Cost of funding earning assets | 1.3296% | 1,169 |
| Net interest margin | 3.5020% | 2,356 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 3.2627% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4587% | 3,986 |
| Return on assets (ROA) | 0.4587% | 3,934 |
| Pretax return on assets | 0.5779% | 3,882 |
| Return on Equity (ROE) | 4.8600% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.8626% | 3,047 |
| Net charge-offs to loans | 0.0753% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,599 |
| Efficiency ratio | 84.9537% | 548 |
| Assets per employee ($millions) | 4.3477% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,238 |
| Loan loss allowance to noncurrent loans | 682.1862% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,311 |
| Noncurrent loans to loans | 0.1848% | 2,553 |
| Net loans and leases to total assets | 57.2600% | 2,935 |
| Net loans and leases to deposits | 63.6038% | 3,121 |
| Net loans and leases to core deposits | 65.8141% | 3,239 |
| Total domestic deposits to total assets | 90.0300% | 1,146 |
| Equity capital to assets | 9.2228% | 2,344 |
| Core capital (leverage) ratio | 11.1611% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1780% | 1,131 |
| Memoranda: | ||
| Average total assets | $224,970,000 | 2,878 |
| Average earning assets | $208,792,000 | 2,870 |
| Average equity | $21,223,000 | 2,779 |
| Average total loans | $132,827,000 | 2,872 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 1,105 |
| Cost of funding earning assets | 0.5773% | 986 |
| Net interest margin | 3.6967% | 1,388 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.2000% | 726 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7119% | 3,581 |
| Return on assets (ROA) | 0.7119% | 3,527 |
| Pretax return on assets | 0.9010% | 3,350 |
| Return on Equity (ROE) | 7.2500% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.3351% | 2,518 |
| Net charge-offs to loans | 0.0554% | 1,107 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 29.5972% | 1,691 |
| Efficiency ratio | 76.8067% | 935 |
| Assets per employee ($millions) | 4.4798% | 4,050 |
| Cash dividends to net income (ytd only)* | 12.6115% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 1,922 |
| Loan loss allowance to noncurrent loans | 483.0508% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 2,006 |
| Noncurrent loans to loans | 0.2681% | 2,192 |
| Net loans and leases to total assets | 59.3600% | 2,694 |
| Net loans and leases to deposits | 66.2536% | 2,877 |
| Net loans and leases to core deposits | 69.1456% | 2,936 |
| Total domestic deposits to total assets | 89.6000% | 1,514 |
| Equity capital to assets | 9.6551% | 1,917 |
| Core capital (leverage) ratio | 11.1826% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $220,534,400 | 2,900 |
| Average earning assets | $204,752,400 | 2,895 |
| Average equity | $21,657,000 | 2,797 |
| Average total loans | $129,973,000 | 2,830 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 1,061 |
| Cost of funding earning assets | 0.4079% | 1,230 |
| Net interest margin | 3.6954% | 1,150 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 3.1625% | 720 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.7615% | 3,381 |
| Return on assets (ROA) | 0.7615% | 3,327 |
| Pretax return on assets | 0.9565% | 3,152 |
| Return on Equity (ROE) | 7.7200% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.7220% | 2,108 |
| Net charge-offs to loans | 0.0546% | 938 |
| Credit loss provision to net charge-offs | 203.7736% | 970 |
| Earnings coverage of net charge-offs (x) | 31.9245% | 1,498 |
| Efficiency ratio | 75.5809% | 1,116 |
| Assets per employee ($millions) | 4.3030% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,000 |
| Loan loss allowance to noncurrent loans | 596.1268% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,297 |
| Noncurrent loans to loans | 0.2191% | 2,517 |
| Net loans and leases to total assets | 58.2900% | 2,665 |
| Net loans and leases to deposits | 65.1097% | 2,783 |
| Net loans and leases to core deposits | 68.0720% | 2,795 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 9.5436% | 1,852 |
| Core capital (leverage) ratio | 11.0410% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5458% | 1,079 |
| Memoranda: | ||
| Average total assets | $220,790,000 | 2,912 |
| Average earning assets | $205,259,750 | 2,915 |
| Average equity | $21,772,750 | 2,841 |
| Average total loans | $129,461,500 | 2,832 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 1,081 |
| Cost of funding earning assets | 0.3653% | 1,150 |
| Net interest margin | 3.5545% | 1,173 |
| Noninterest income to average assets | 0.7006% | 1,336 |
| Noninterest expense to average assets | 3.0140% | 826 |
| Loan and lease loss provision to assets | 0.0651% | 1,439 |
| Net operating income to assets | 0.7395% | 3,180 |
| Return on assets (ROA) | 0.7395% | 3,137 |
| Pretax return on assets | 0.9293% | 2,965 |
| Return on Equity (ROE) | 7.4198% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.4198% | 1,843 |
| Net charge-offs to loans | 0.0108% | 1,579 |
| Credit loss provision to net charge-offs | 1,028.5714% | 392 |
| Earnings coverage of net charge-offs (x) | 157.1429% | 620 |
| Efficiency ratio | 75.1917% | 1,368 |
| Assets per employee ($millions) | 4.5692% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,096 |
| Loan loss allowance to noncurrent loans | 416.3814% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,112 |
| Noncurrent loans to loans | 0.3169% | 2,205 |
| Net loans and leases to total assets | 55.7468% | 2,783 |
| Net loans and leases to deposits | 62.1459% | 2,881 |
| Net loans and leases to core deposits | 65.9479% | 2,821 |
| Total domestic deposits to total assets | 89.7031% | 1,843 |
| Equity capital to assets | 9.2879% | 2,171 |
| Core capital (leverage) ratio | 10.8535% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4348% | 1,090 |
| Memoranda: | ||
| Average total assets | $221,235,000 | 2,936 |
| Average earning assets | $205,882,333 | 2,949 |
| Average equity | $22,049,000 | 2,885 |
| Average total loans | $129,413,667 | 2,850 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 711 |
| Cost of funding earning assets | 0.3747% | 1,028 |
| Net interest margin | 3.6679% | 794 |
| Noninterest income to average assets | 0.8124% | 1,013 |
| Noninterest expense to average assets | 3.2552% | 564 |
| Loan and lease loss provision to assets | 0.0662% | 1,236 |
| Net operating income to assets | 0.7242% | 2,964 |
| Return on assets (ROA) | 0.7242% | 2,955 |
| Pretax return on assets | 0.9098% | 2,738 |
| Return on Equity (ROE) | 7.0157% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.0157% | 1,889 |
| Net charge-offs to loans | 0.0833% | 586 |
| Credit loss provision to net charge-offs | 133.3333% | 891 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,285 |
| Efficiency ratio | 76.9331% | 1,417 |
| Assets per employee ($millions) | 4.0878% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,484 |
| Loan loss allowance to noncurrent loans | 292.5400% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 1,548 |
| Noncurrent loans to loans | 0.4350% | 1,940 |
| Net loans and leases to total assets | 58.9837% | 2,188 |
| Net loans and leases to deposits | 66.5784% | 2,286 |
| Net loans and leases to core deposits | 70.9408% | 2,216 |
| Total domestic deposits to total assets | 88.5928% | 2,259 |
| Equity capital to assets | 10.1148% | 1,816 |
| Core capital (leverage) ratio | 10.8945% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4372% | 1,160 |
| Memoranda: | ||
| Average total assets | $217,623,500 | 2,984 |
| Average earning assets | $202,838,500 | 2,989 |
| Average equity | $22,464,000 | 2,946 |
| Average total loans | $129,590,000 | 2,852 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 654 |
| Cost of funding earning assets | 0.4762% | 1,027 |
| Net interest margin | 3.9697% | 750 |
| Noninterest income to average assets | 0.7476% | 1,603 |
| Noninterest expense to average assets | 3.2866% | 645 |
| Loan and lease loss provision to assets | 0.0800% | 1,534 |
| Net operating income to assets | 0.8514% | 3,182 |
| Return on assets (ROA) | 0.8400% | 3,282 |
| Pretax return on assets | 1.0441% | 3,142 |
| Return on Equity (ROE) | 7.8372% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.9580% | 1,929 |
| Net charge-offs to loans | -0.0276% | 4,090 |
| Credit loss provision to net charge-offs | -466.6667% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2740% | 1,275 |
| Assets per employee ($millions) | 4.2037% | 4,321 |
| Cash dividends to net income (ytd only)* | 11.2181% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,555 |
| Loan loss allowance to noncurrent loans | 253.4056% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 1,634 |
| Noncurrent loans to loans | 0.4979% | 1,880 |
| Net loans and leases to total assets | 58.6045% | 2,314 |
| Net loans and leases to deposits | 66.5019% | 2,463 |
| Net loans and leases to core deposits | 69.8830% | 2,456 |
| Total domestic deposits to total assets | 88.1246% | 1,979 |
| Equity capital to assets | 10.5282% | 2,149 |
| Core capital (leverage) ratio | 10.8180% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3406% | 1,186 |
| Memoranda: | ||
| Average total assets | $210,127,000 | 2,986 |
| Average earning assets | $194,651,200 | 2,999 |
| Average equity | $22,520,800 | 3,016 |
| Average total loans | $130,551,000 | 2,847 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 458 |
| Cost of funding earning assets | 0.5166% | 968 |
| Net interest margin | 4.2156% | 525 |
| Noninterest income to average assets | 0.7378% | 1,705 |
| Noninterest expense to average assets | 3.3421% | 579 |
| Loan and lease loss provision to assets | 0.1077% | 1,121 |
| Net operating income to assets | 0.9440% | 3,108 |
| Return on assets (ROA) | 0.9461% | 3,178 |
| Pretax return on assets | 1.1871% | 2,973 |
| Return on Equity (ROE) | 8.7155% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.7155% | 1,798 |
| Net charge-offs to loans | -0.0826% | 4,543 |
| Credit loss provision to net charge-offs | -207.4074% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1162% | 1,391 |
| Assets per employee ($millions) | 4.0727% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,607 |
| Loan loss allowance to noncurrent loans | 467.5000% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,398 |
| Noncurrent loans to loans | 0.2730% | 2,825 |
| Net loans and leases to total assets | 61.4732% | 2,081 |
| Net loans and leases to deposits | 70.3358% | 2,202 |
| Net loans and leases to core deposits | 75.1212% | 2,130 |
| Total domestic deposits to total assets | 87.3997% | 2,158 |
| Equity capital to assets | 10.9992% | 2,019 |
| Core capital (leverage) ratio | 10.8816% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3999% | 1,269 |
| Memoranda: | ||
| Average total assets | $208,010,250 | 3,032 |
| Average earning assets | $192,265,250 | 3,046 |
| Average equity | $22,580,000 | 3,051 |
| Average total loans | $130,753,000 | 2,882 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 339 |
| Cost of funding earning assets | 0.5489% | 947 |
| Net interest margin | 4.4564% | 387 |
| Noninterest income to average assets | 0.7526% | 1,668 |
| Noninterest expense to average assets | 3.3605% | 566 |
| Loan and lease loss provision to assets | 0.0929% | 1,346 |
| Net operating income to assets | 1.1240% | 2,454 |
| Return on assets (ROA) | 1.1240% | 2,522 |
| Pretax return on assets | 1.4142% | 2,288 |
| Return on Equity (ROE) | 10.4019% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.4019% | 1,285 |
| Net charge-offs to loans | -0.0015% | 3,139 |
| Credit loss provision to net charge-offs | -9,600.0000% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0382% | 1,754 |
| Assets per employee ($millions) | 3.9694% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,236 |
| Loan loss allowance to noncurrent loans | 411.5591% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 2,504 |
| Noncurrent loans to loans | 0.2775% | 2,941 |
| Net loans and leases to total assets | 62.9936% | 2,065 |
| Net loans and leases to deposits | 72.1175% | 2,194 |
| Net loans and leases to core deposits | 77.0478% | 2,132 |
| Total domestic deposits to total assets | 87.3486% | 2,150 |
| Equity capital to assets | 10.9160% | 2,050 |
| Core capital (leverage) ratio | 10.5924% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0808% | 1,320 |
| Memoranda: | ||
| Average total assets | $206,753,667 | 3,043 |
| Average earning assets | $190,916,667 | 3,058 |
| Average equity | $22,342,000 | 3,062 |
| Average total loans | $130,380,333 | 2,899 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 965 |
| Cost of funding earning assets | 0.5604% | 1,048 |
| Net interest margin | 3.7914% | 1,159 |
| Noninterest income to average assets | 0.6734% | 1,947 |
| Noninterest expense to average assets | 3.3200% | 587 |
| Loan and lease loss provision to assets | 0.0468% | 2,143 |
| Net operating income to assets | 0.6402% | 3,837 |
| Return on assets (ROA) | 0.6402% | 3,905 |
| Pretax return on assets | 0.7924% | 3,828 |
| Return on Equity (ROE) | 5.9554% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,916 |
| Net charge-offs to loans | -0.0187% | 3,964 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8217% | 830 |
| Assets per employee ($millions) | 3.9970% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,232 |
| Loan loss allowance to noncurrent loans | 345.2830% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 2,365 |
| Noncurrent loans to loans | 0.3309% | 2,907 |
| Net loans and leases to total assets | 59.7930% | 2,565 |
| Net loans and leases to deposits | 68.1157% | 2,692 |
| Net loans and leases to core deposits | 72.8154% | 2,630 |
| Total domestic deposits to total assets | 87.7814% | 1,961 |
| Equity capital to assets | 10.4276% | 2,341 |
| Core capital (leverage) ratio | 10.7275% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0616% | 1,553 |
| Memoranda: | ||
| Average total assets | $204,940,500 | 3,045 |
| Average earning assets | $188,426,500 | 3,067 |
| Average equity | $22,030,500 | 3,075 |
| Average total loans | $128,542,000 | 2,918 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 487 |
| Cost of funding earning assets | 0.8246% | 1,110 |
| Net interest margin | 4.1765% | 677 |
| Noninterest income to average assets | 0.7523% | 1,680 |
| Noninterest expense to average assets | 3.6371% | 576 |
| Loan and lease loss provision to assets | 0.1557% | 2,422 |
| Net operating income to assets | 0.6638% | 3,544 |
| Return on assets (ROA) | 0.6638% | 3,673 |
| Pretax return on assets | 0.7805% | 3,676 |
| Return on Equity (ROE) | 5.8744% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.4073% | 2,090 |
| Net charge-offs to loans | 0.1041% | 1,429 |
| Credit loss provision to net charge-offs | 216.2963% | 2,086 |
| Earnings coverage of net charge-offs (x) | 13.0074% | 2,305 |
| Efficiency ratio | 79.5290% | 921 |
| Assets per employee ($millions) | 3.7366% | 4,545 |
| Cash dividends to net income (ytd only)* | 7.9518% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,406 |
| Loan loss allowance to noncurrent loans | 79.0518% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 716 |
| Noncurrent loans to loans | 1.4067% | 966 |
| Net loans and leases to total assets | 64.3910% | 2,313 |
| Net loans and leases to deposits | 73.9589% | 2,487 |
| Net loans and leases to core deposits | 79.4661% | 2,410 |
| Total domestic deposits to total assets | 87.0632% | 1,911 |
| Equity capital to assets | 11.0942% | 2,179 |
| Core capital (leverage) ratio | 10.9685% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8613% | 1,578 |
| Memoranda: | ||
| Average total assets | $187,568,000 | 3,042 |
| Average earning assets | $171,604,800 | 3,058 |
| Average equity | $21,193,600 | 3,082 |
| Average total loans | $129,669,800 | 2,870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 422 |
| Cost of funding earning assets | 0.9007% | 1,069 |
| Net interest margin | 4.2903% | 596 |
| Noninterest income to average assets | 0.7656% | 1,607 |
| Noninterest expense to average assets | 3.6759% | 556 |
| Loan and lease loss provision to assets | 0.2103% | 1,908 |
| Net operating income to assets | 0.6366% | 3,676 |
| Return on assets (ROA) | 0.6366% | 3,767 |
| Pretax return on assets | 0.7937% | 3,663 |
| Return on Equity (ROE) | 5.6064% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.6064% | 2,284 |
| Net charge-offs to loans | 0.1335% | 1,081 |
| Credit loss provision to net charge-offs | 224.6154% | 2,018 |
| Earnings coverage of net charge-offs (x) | 10.7154% | 2,340 |
| Efficiency ratio | 78.5428% | 979 |
| Assets per employee ($millions) | 3.6624% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,181 |
| Loan loss allowance to noncurrent loans | 232.6333% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,175 |
| Noncurrent loans to loans | 0.4750% | 2,632 |
| Net loans and leases to total assets | 66.4000% | 2,465 |
| Net loans and leases to deposits | 77.0832% | 2,642 |
| Net loans and leases to core deposits | 82.8493% | 2,594 |
| Total domestic deposits to total assets | 86.1406% | 2,010 |
| Equity capital to assets | 11.1232% | 2,304 |
| Core capital (leverage) ratio | 10.9837% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7143% | 1,584 |
| Memoranda: | ||
| Average total assets | $184,950,000 | 3,050 |
| Average earning assets | $168,749,750 | 3,068 |
| Average equity | $20,999,250 | 3,093 |
| Average total loans | $129,848,750 | 2,872 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 353 |
| Cost of funding earning assets | 0.9948% | 1,000 |
| Net interest margin | 4.4789% | 525 |
| Noninterest income to average assets | 0.8554% | 1,274 |
| Noninterest expense to average assets | 3.7241% | 554 |
| Loan and lease loss provision to assets | 0.3211% | 1,330 |
| Net operating income to assets | 0.7202% | 3,319 |
| Return on assets (ROA) | 0.7202% | 3,426 |
| Pretax return on assets | 0.8994% | 3,313 |
| Return on Equity (ROE) | 6.2975% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.2975% | 1,940 |
| Net charge-offs to loans | 0.1727% | 863 |
| Credit loss provision to net charge-offs | 260.7143% | 1,724 |
| Earnings coverage of net charge-offs (x) | 9.9107% | 2,188 |
| Efficiency ratio | 75.3169% | 1,334 |
| Assets per employee ($millions) | 3.7120% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,100 |
| Loan loss allowance to noncurrent loans | 262.0504% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,189 |
| Noncurrent loans to loans | 0.4176% | 2,917 |
| Net loans and leases to total assets | 68.2240% | 2,313 |
| Net loans and leases to deposits | 79.3500% | 2,506 |
| Net loans and leases to core deposits | 85.3108% | 2,495 |
| Total domestic deposits to total assets | 85.9786% | 2,017 |
| Equity capital to assets | 11.0203% | 2,325 |
| Core capital (leverage) ratio | 11.1266% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5563% | 1,613 |
| Memoranda: | ||
| Average total assets | $181,897,667 | 3,059 |
| Average earning assets | $166,068,333 | 3,083 |
| Average equity | $20,802,000 | 3,098 |
| Average total loans | $129,689,333 | 2,867 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4291% | 435 |
| Cost of funding earning assets | 1.0853% | 1,092 |
| Net interest margin | 4.3438% | 699 |
| Noninterest income to average assets | 0.6873% | 1,690 |
| Noninterest expense to average assets | 3.7973% | 623 |
| Loan and lease loss provision to assets | 0.1089% | 2,316 |
| Net operating income to assets | 0.5898% | 3,623 |
| Return on assets (ROA) | 0.5898% | 3,681 |
| Pretax return on assets | 0.7304% | 3,595 |
| Return on Equity (ROE) | 5.0566% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.0566% | 2,250 |
| Net charge-offs to loans | 0.2344% | 609 |
| Credit loss provision to net charge-offs | 64.0000% | 2,002 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,097 |
| Efficiency ratio | 81.8982% | 980 |
| Assets per employee ($millions) | 3.3567% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,824 |
| Loan loss allowance to noncurrent loans | 311.1940% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 2,477 |
| Noncurrent loans to loans | 0.3132% | 3,374 |
| Net loans and leases to total assets | 71.4352% | 2,010 |
| Net loans and leases to deposits | 84.4263% | 2,176 |
| Net loans and leases to core deposits | 91.4452% | 2,214 |
| Total domestic deposits to total assets | 84.6125% | 2,562 |
| Equity capital to assets | 11.6501% | 2,328 |
| Core capital (leverage) ratio | 11.7445% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9277% | 1,617 |
| Memoranda: | ||
| Average total assets | $176,333,500 | 3,071 |
| Average earning assets | $160,321,500 | 3,105 |
| Average equity | $20,567,000 | 3,113 |
| Average total loans | $127,960,500 | 2,857 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 444 |
| Cost of funding earning assets | 1.1444% | 1,171 |
| Net interest margin | 4.4914% | 726 |
| Noninterest income to average assets | 0.5960% | 2,241 |
| Noninterest expense to average assets | 3.6813% | 776 |
| Loan and lease loss provision to assets | 0.1514% | 1,403 |
| Net operating income to assets | 0.6694% | 3,954 |
| Return on assets (ROA) | 0.6694% | 4,029 |
| Pretax return on assets | 0.8512% | 3,874 |
| Return on Equity (ROE) | 5.8762% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.3777% | 2,232 |
| Net charge-offs to loans | 0.1656% | 1,220 |
| Credit loss provision to net charge-offs | 123.9437% | 2,053 |
| Earnings coverage of net charge-offs (x) | 8.2066% | 2,795 |
| Efficiency ratio | 78.5942% | 1,083 |
| Assets per employee ($millions) | 3.2974% | 4,643 |
| Cash dividends to net income (ytd only)* | 8.4833% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,502 |
| Loan loss allowance to noncurrent loans | 173.0352% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 2,592 |
| Noncurrent loans to loans | 0.5784% | 2,454 |
| Net loans and leases to total assets | 72.2733% | 2,049 |
| Net loans and leases to deposits | 85.6208% | 2,141 |
| Net loans and leases to core deposits | 92.6847% | 2,187 |
| Total domestic deposits to total assets | 84.4109% | 2,718 |
| Equity capital to assets | 11.6775% | 2,369 |
| Core capital (leverage) ratio | 11.4661% | 2,137 |
| Tier 1 risk-based capital ratio | 14.9586% | 2,793 |
| Total risk-based capital ratio | 15.8932% | 2,848 |
| Memoranda: | ||
| Average total assets | $174,338,600 | 3,070 |
| Average earning assets | $158,679,800 | 3,098 |
| Average equity | $19,859,800 | 3,148 |
| Average total loans | $128,641,800 | 2,837 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 482 |
| Cost of funding earning assets | 1.1439% | 1,195 |
| Net interest margin | 4.4690% | 824 |
| Noninterest income to average assets | 0.5954% | 2,224 |
| Noninterest expense to average assets | 3.6701% | 777 |
| Loan and lease loss provision to assets | 0.1469% | 1,298 |
| Net operating income to assets | 0.6749% | 4,090 |
| Return on assets (ROA) | 0.6749% | 4,153 |
| Pretax return on assets | 0.8471% | 4,014 |
| Return on Equity (ROE) | 5.9625% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9625% | 2,387 |
| Net charge-offs to loans | 0.1427% | 1,137 |
| Credit loss provision to net charge-offs | 139.1304% | 1,728 |
| Earnings coverage of net charge-offs (x) | 9.4128% | 2,574 |
| Efficiency ratio | 78.6874% | 1,039 |
| Assets per employee ($millions) | 3.4083% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,630 |
| Loan loss allowance to noncurrent loans | 147.5806% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 2,488 |
| Noncurrent loans to loans | 0.6701% | 2,279 |
| Net loans and leases to total assets | 71.0007% | 2,322 |
| Net loans and leases to deposits | 84.3713% | 2,407 |
| Net loans and leases to core deposits | 91.0283% | 2,461 |
| Total domestic deposits to total assets | 84.1526% | 2,763 |
| Equity capital to assets | 11.1984% | 2,928 |
| Core capital (leverage) ratio | 11.3433% | 2,347 |
| Tier 1 risk-based capital ratio | 14.7045% | 2,990 |
| Total risk-based capital ratio | 15.6345% | 3,045 |
| Memoranda: | ||
| Average total assets | $174,232,500 | 3,104 |
| Average earning assets | $158,629,000 | 3,124 |
| Average equity | $19,722,750 | 3,178 |
| Average total loans | $128,906,250 | 2,869 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 461 |
| Cost of funding earning assets | 1.1350% | 1,181 |
| Net interest margin | 4.4825% | 803 |
| Noninterest income to average assets | 0.7577% | 1,488 |
| Noninterest expense to average assets | 3.8827% | 610 |
| Loan and lease loss provision to assets | 0.1395% | 1,331 |
| Net operating income to assets | 0.6462% | 4,178 |
| Return on assets (ROA) | 0.6462% | 4,227 |
| Pretax return on assets | 0.8112% | 4,059 |
| Return on Equity (ROE) | 5.6868% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.6868% | 2,427 |
| Net charge-offs to loans | 0.0901% | 1,463 |
| Credit loss provision to net charge-offs | 206.8966% | 1,173 |
| Earnings coverage of net charge-offs (x) | 14.1034% | 2,059 |
| Efficiency ratio | 80.3318% | 944 |
| Assets per employee ($millions) | 3.2223% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,671 |
| Loan loss allowance to noncurrent loans | 184.4063% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 2,497 |
| Noncurrent loans to loans | 0.5376% | 2,663 |
| Net loans and leases to total assets | 73.9842% | 1,894 |
| Net loans and leases to deposits | 89.1037% | 1,847 |
| Net loans and leases to core deposits | 96.7664% | 1,999 |
| Total domestic deposits to total assets | 83.0316% | 3,193 |
| Equity capital to assets | 11.4444% | 2,645 |
| Core capital (leverage) ratio | 11.3961% | 2,246 |
| Tier 1 risk-based capital ratio | 14.5091% | 3,064 |
| Total risk-based capital ratio | 15.4477% | 3,131 |
| Memoranda: | ||
| Average total assets | $172,096,000 | 3,134 |
| Average earning assets | $156,475,000 | 3,165 |
| Average equity | $19,554,000 | 3,192 |
| Average total loans | $128,695,670 | 2,884 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5670% | 461 |
| Cost of funding earning assets | 1.1062% | 1,160 |
| Net interest margin | 4.4608% | 802 |
| Noninterest income to average assets | 0.5726% | 2,172 |
| Noninterest expense to average assets | 3.6952% | 757 |
| Loan and lease loss provision to assets | 0.1683% | 995 |
| Net operating income to assets | 0.6100% | 4,206 |
| Return on assets (ROA) | 0.6100% | 4,247 |
| Pretax return on assets | 0.7713% | 4,114 |
| Return on Equity (ROE) | 5.3887% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,743 |
| Net charge-offs to loans | 0.0281% | 1,895 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,086 |
| Efficiency ratio | 79.7277% | 1,084 |
| Assets per employee ($millions) | 3.3803% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,663 |
| Loan loss allowance to noncurrent loans | 134.1667% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,406 |
| Noncurrent loans to loans | 0.7492% | 2,157 |
| Net loans and leases to total assets | 72.1602% | 2,127 |
| Net loans and leases to deposits | 86.6312% | 2,052 |
| Net loans and leases to core deposits | 93.4489% | 2,175 |
| Total domestic deposits to total assets | 83.2959% | 3,283 |
| Equity capital to assets | 11.1073% | 2,741 |
| Core capital (leverage) ratio | 11.3350% | 2,260 |
| Tier 1 risk-based capital ratio | 14.4774% | 3,108 |
| Total risk-based capital ratio | 15.4272% | 3,178 |
| Memoranda: | ||
| Average total assets | $171,141,000 | 3,181 |
| Average earning assets | $155,846,500 | 3,206 |
| Average equity | $19,374,000 | 3,214 |
| Average total loans | $128,030,500 | 2,925 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 402 |
| Cost of funding earning assets | 0.7923% | 1,562 |
| Net interest margin | 4.7058% | 482 |
| Noninterest income to average assets | 0.6091% | 2,246 |
| Noninterest expense to average assets | 3.8480% | 642 |
| Loan and lease loss provision to assets | 0.1619% | 1,263 |
| Net operating income to assets | 0.6777% | 4,210 |
| Return on assets (ROA) | 0.6723% | 4,235 |
| Pretax return on assets | 0.8441% | 4,055 |
| Return on Equity (ROE) | 5.8586% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.4791% | 2,492 |
| Net charge-offs to loans | 0.0998% | 1,765 |
| Credit loss provision to net charge-offs | 214.6341% | 1,349 |
| Earnings coverage of net charge-offs (x) | 13.4228% | 2,458 |
| Efficiency ratio | 79.1646% | 1,027 |
| Assets per employee ($millions) | 3.2648% | 4,772 |
| Cash dividends to net income (ytd only)* | 6.4781% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,920 |
| Loan loss allowance to noncurrent loans | 97.8469% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,803 |
| Noncurrent loans to loans | 0.9802% | 1,657 |
| Net loans and leases to total assets | 76.0968% | 1,594 |
| Net loans and leases to deposits | 92.2826% | 1,509 |
| Net loans and leases to core deposits | 99.6516% | 1,741 |
| Total domestic deposits to total assets | 82.4606% | 3,500 |
| Equity capital to assets | 11.5456% | 2,223 |
| Core capital (leverage) ratio | 11.7622% | 1,904 |
| Tier 1 risk-based capital ratio | 14.4885% | 3,065 |
| Total risk-based capital ratio | 15.4062% | 3,149 |
| Memoranda: | ||
| Average total assets | $163,019,000 | 3,239 |
| Average earning assets | $147,286,400 | 3,282 |
| Average equity | $18,707,600 | 3,212 |
| Average total loans | $123,229,200 | 2,961 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 407 |
| Cost of funding earning assets | 0.7348% | 1,651 |
| Net interest margin | 4.7064% | 472 |
| Noninterest income to average assets | 0.7713% | 1,574 |
| Noninterest expense to average assets | 4.0144% | 521 |
| Loan and lease loss provision to assets | 0.1579% | 1,228 |
| Net operating income to assets | 0.6766% | 4,299 |
| Return on assets (ROA) | 0.6693% | 4,335 |
| Pretax return on assets | 0.8404% | 4,193 |
| Return on Equity (ROE) | 5.8418% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,738 |
| Net charge-offs to loans | 0.1267% | 1,250 |
| Credit loss provision to net charge-offs | 165.5172% | 1,603 |
| Earnings coverage of net charge-offs (x) | 10.5605% | 2,578 |
| Efficiency ratio | 79.9411% | 947 |
| Assets per employee ($millions) | 3.0958% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 4,143 |
| Loan loss allowance to noncurrent loans | 298.4576% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,301 |
| Noncurrent loans to loans | 0.3110% | 3,556 |
| Net loans and leases to total assets | 76.9726% | 1,504 |
| Net loans and leases to deposits | 91.3367% | 1,715 |
| Net loans and leases to core deposits | 99.1486% | 1,859 |
| Total domestic deposits to total assets | 84.2734% | 2,862 |
| Equity capital to assets | 11.7976% | 2,033 |
| Core capital (leverage) ratio | 11.8690% | 1,862 |
| Tier 1 risk-based capital ratio | 14.5698% | 3,085 |
| Total risk-based capital ratio | 15.4527% | 3,184 |
| Memoranda: | ||
| Average total assets | $162,147,500 | 3,281 |
| Average earning assets | $146,436,750 | 3,327 |
| Average equity | $18,578,500 | 3,250 |
| Average total loans | $122,053,500 | 2,999 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 407 |
| Cost of funding earning assets | 0.7098% | 1,570 |
| Net interest margin | 4.6696% | 476 |
| Noninterest income to average assets | 0.6054% | 2,295 |
| Noninterest expense to average assets | 3.8662% | 632 |
| Loan and lease loss provision to assets | 0.1477% | 1,285 |
| Net operating income to assets | 0.6396% | 4,378 |
| Return on assets (ROA) | 0.6288% | 4,416 |
| Pretax return on assets | 0.7875% | 4,286 |
| Return on Equity (ROE) | 5.5421% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.5421% | 2,801 |
| Net charge-offs to loans | 0.0810% | 1,518 |
| Credit loss provision to net charge-offs | 244.8980% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.7347% | 2,022 |
| Efficiency ratio | 80.2964% | 980 |
| Assets per employee ($millions) | 3.0838% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,167 |
| Loan loss allowance to noncurrent loans | 234.0081% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,253 |
| Noncurrent loans to loans | 0.4008% | 3,251 |
| Net loans and leases to total assets | 76.1360% | 1,615 |
| Net loans and leases to deposits | 90.5767% | 1,771 |
| Net loans and leases to core deposits | 98.3605% | 1,866 |
| Total domestic deposits to total assets | 84.0570% | 3,047 |
| Equity capital to assets | 11.6476% | 2,091 |
| Core capital (leverage) ratio | 11.4949% | 2,082 |
| Tier 1 risk-based capital ratio | 14.6983% | 3,020 |
| Total risk-based capital ratio | 15.5995% | 3,102 |
| Memoranda: | ||
| Average total assets | $162,536,000 | 3,289 |
| Average earning assets | $146,521,330 | 3,340 |
| Average equity | $18,440,670 | 3,283 |
| Average total loans | $121,047,000 | 3,026 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1651% | 525 |
| Cost of funding earning assets | 0.6641% | 1,633 |
| Net interest margin | 4.5009% | 620 |
| Noninterest income to average assets | 0.5965% | 2,274 |
| Noninterest expense to average assets | 3.8992% | 588 |
| Loan and lease loss provision to assets | 0.0978% | 1,885 |
| Net operating income to assets | 0.5500% | 4,577 |
| Return on assets (ROA) | 0.5500% | 4,580 |
| Pretax return on assets | 0.6918% | 4,463 |
| Return on Equity (ROE) | 4.9121% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.9121% | 3,222 |
| Net charge-offs to loans | 0.0867% | 1,289 |
| Credit loss provision to net charge-offs | 153.8462% | 1,217 |
| Earnings coverage of net charge-offs (x) | 12.4231% | 1,801 |
| Efficiency ratio | 83.1595% | 854 |
| Assets per employee ($millions) | 3.1297% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,418 |
| Loan loss allowance to noncurrent loans | 181.6529% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 3,028 |
| Noncurrent loans to loans | 0.4993% | 3,020 |
| Net loans and leases to total assets | 73.7712% | 1,900 |
| Net loans and leases to deposits | 87.6452% | 1,974 |
| Net loans and leases to core deposits | 94.2904% | 2,113 |
| Total domestic deposits to total assets | 84.1703% | 3,258 |
| Equity capital to assets | 11.3036% | 2,295 |
| Core capital (leverage) ratio | 11.2852% | 2,180 |
| Tier 1 risk-based capital ratio | 14.7203% | 3,019 |
| Total risk-based capital ratio | 15.5915% | 3,117 |
| Memoranda: | ||
| Average total assets | $163,624,500 | 3,318 |
| Average earning assets | $148,769,000 | 3,353 |
| Average equity | $18,322,000 | 3,324 |
| Average total loans | $119,947,000 | 3,067 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 892 |
| Cost of funding earning assets | 0.5623% | 1,873 |
| Net interest margin | 4.2881% | 987 |
| Noninterest income to average assets | 0.5561% | 2,673 |
| Noninterest expense to average assets | 3.6607% | 837 |
| Loan and lease loss provision to assets | 0.1221% | 1,873 |
| Net operating income to assets | 0.4775% | 4,435 |
| Return on assets (ROA) | 0.4859% | 4,441 |
| Pretax return on assets | 0.7229% | 4,455 |
| Return on Equity (ROE) | 4.5481% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.1524% | 2,681 |
| Net charge-offs to loans | 0.2660% | 979 |
| Credit loss provision to net charge-offs | 69.2568% | 3,095 |
| Earnings coverage of net charge-offs (x) | 4.7230% | 3,420 |
| Efficiency ratio | 81.4736% | 969 |
| Assets per employee ($millions) | 3.1038% | 5,121 |
| Cash dividends to net income (ytd only)* | 8.7010% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,398 |
| Loan loss allowance to noncurrent loans | 112.7859% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 2,107 |
| Noncurrent loans to loans | 0.8102% | 2,186 |
| Net loans and leases to total assets | 71.5186% | 2,292 |
| Net loans and leases to deposits | 84.8290% | 2,395 |
| Net loans and leases to core deposits | 90.9837% | 2,466 |
| Total domestic deposits to total assets | 84.3092% | 3,095 |
| Equity capital to assets | 11.0927% | 2,545 |
| Core capital (leverage) ratio | 11.0543% | 2,283 |
| Tier 1 risk-based capital ratio | 14.7760% | 2,947 |
| Total risk-based capital ratio | 15.6499% | 3,050 |
| Memoranda: | ||
| Average total assets | $167,944,400 | 3,268 |
| Average earning assets | $154,194,800 | 3,269 |
| Average equity | $17,941,400 | 3,372 |
| Average total loans | $111,260,600 | 3,160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 1,038 |
| Cost of funding earning assets | 0.5456% | 1,929 |
| Net interest margin | 4.2016% | 1,151 |
| Noninterest income to average assets | 0.5647% | 2,646 |
| Noninterest expense to average assets | 3.6388% | 828 |
| Loan and lease loss provision to assets | 0.0592% | 2,894 |
| Net operating income to assets | 0.5318% | 4,645 |
| Return on assets (ROA) | 0.5387% | 4,653 |
| Pretax return on assets | 0.7385% | 4,516 |
| Return on Equity (ROE) | 5.0900% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.0900% | 2,821 |
| Net charge-offs to loans | 0.2876% | 747 |
| Credit loss provision to net charge-offs | 31.7797% | 3,070 |
| Earnings coverage of net charge-offs (x) | 4.2288% | 3,252 |
| Efficiency ratio | 82.1945% | 898 |
| Assets per employee ($millions) | 3.1071% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,709 |
| Loan loss allowance to noncurrent loans | 186.2385% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 3,279 |
| Noncurrent loans to loans | 0.4632% | 3,314 |
| Net loans and leases to total assets | 70.8373% | 2,436 |
| Net loans and leases to deposits | 81.4558% | 2,835 |
| Net loans and leases to core deposits | 87.1930% | 2,856 |
| Total domestic deposits to total assets | 86.9641% | 1,884 |
| Equity capital to assets | 11.0599% | 2,808 |
| Core capital (leverage) ratio | 11.0475% | 2,408 |
| Tier 1 risk-based capital ratio | 14.7056% | 3,063 |
| Total risk-based capital ratio | 15.5221% | 3,216 |
| Memoranda: | ||
| Average total assets | $168,804,500 | 3,289 |
| Average earning assets | $155,174,500 | 3,288 |
| Average equity | $17,864,750 | 3,418 |
| Average total loans | $109,391,750 | 3,219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,250 |
| Cost of funding earning assets | 0.5438% | 1,812 |
| Net interest margin | 4.0566% | 1,444 |
| Noninterest income to average assets | 0.5618% | 2,647 |
| Noninterest expense to average assets | 3.5386% | 953 |
| Loan and lease loss provision to assets | 0.0588% | 2,792 |
| Net operating income to assets | 0.5092% | 4,680 |
| Return on assets (ROA) | 0.5100% | 4,713 |
| Pretax return on assets | 0.7004% | 4,546 |
| Return on Equity (ROE) | 4.8905% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.8905% | 2,784 |
| Net charge-offs to loans | 0.4670% | 428 |
| Credit loss provision to net charge-offs | 20.0803% | 2,785 |
| Earnings coverage of net charge-offs (x) | 2.5904% | 3,146 |
| Efficiency ratio | 82.3578% | 970 |
| Assets per employee ($millions) | 3.0711% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,748 |
| Loan loss allowance to noncurrent loans | 211.0151% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,728 |
| Noncurrent loans to loans | 0.4126% | 3,548 |
| Net loans and leases to total assets | 67.0789% | 2,940 |
| Net loans and leases to deposits | 76.9499% | 3,224 |
| Net loans and leases to core deposits | 82.1439% | 3,239 |
| Total domestic deposits to total assets | 87.1721% | 1,866 |
| Equity capital to assets | 10.8537% | 2,958 |
| Core capital (leverage) ratio | 10.5574% | 2,855 |
| Tier 1 risk-based capital ratio | 14.9244% | 2,961 |
| Total risk-based capital ratio | 15.7330% | 3,098 |
| Memoranda: | ||
| Average total assets | $170,180,670 | 3,275 |
| Average earning assets | $156,682,670 | 3,285 |
| Average equity | $17,748,670 | 3,440 |
| Average total loans | $106,633,330 | 3,273 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 1,627 |
| Cost of funding earning assets | 0.5443% | 1,752 |
| Net interest margin | 3.8627% | 1,911 |
| Noninterest income to average assets | 0.4270% | 3,463 |
| Noninterest expense to average assets | 3.4813% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3956% | 4,953 |
| Return on assets (ROA) | 0.4062% | 4,952 |
| Pretax return on assets | 0.5338% | 4,891 |
| Return on Equity (ROE) | 3.9721% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.9721% | 3,459 |
| Net charge-offs to loans | 0.2157% | 820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,429 |
| Efficiency ratio | 87.0070% | 735 |
| Assets per employee ($millions) | 3.2805% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,829 |
| Loan loss allowance to noncurrent loans | 166.4190% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 3,566 |
| Noncurrent loans to loans | 0.6482% | 2,886 |
| Net loans and leases to total assets | 59.0739% | 3,877 |
| Net loans and leases to deposits | 67.2652% | 4,064 |
| Net loans and leases to core deposits | 72.5512% | 3,942 |
| Total domestic deposits to total assets | 87.8223% | 1,813 |
| Equity capital to assets | 10.1923% | 3,512 |
| Core capital (leverage) ratio | 10.1680% | 3,291 |
| Tier 1 risk-based capital ratio | 15.5324% | 2,741 |
| Total risk-based capital ratio | 16.5111% | 2,788 |
| Memoranda: | ||
| Average total assets | $172,350,000 | 3,290 |
| Average earning assets | $159,474,000 | 3,277 |
| Average equity | $17,623,000 | 3,464 |
| Average total loans | $103,839,000 | 3,343 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 1,819 |
| Cost of funding earning assets | 0.5669% | 1,557 |
| Net interest margin | 3.8338% | 2,193 |
| Noninterest income to average assets | 0.4880% | 3,311 |
| Noninterest expense to average assets | 3.2360% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5705% | 4,345 |
| Return on assets (ROA) | 0.5717% | 4,443 |
| Pretax return on assets | 0.8117% | 4,158 |
| Return on Equity (ROE) | 5.8328% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.4208% | 2,064 |
| Net charge-offs to loans | 0.0687% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.0563% | 1,877 |
| Efficiency ratio | 79.9803% | 1,422 |
| Assets per employee ($millions) | 3.3497% | 4,979 |
| Cash dividends to net income (ytd only)* | 7.0647% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,535 |
| Loan loss allowance to noncurrent loans | 183.4633% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,691 |
| Noncurrent loans to loans | 0.6172% | 3,001 |
| Net loans and leases to total assets | 60.1008% | 3,837 |
| Net loans and leases to deposits | 68.6122% | 4,040 |
| Net loans and leases to core deposits | 74.1170% | 3,912 |
| Total domestic deposits to total assets | 87.5949% | 1,833 |
| Equity capital to assets | 10.2586% | 3,436 |
| Core capital (leverage) ratio | 10.1232% | 3,337 |
| Tier 1 risk-based capital ratio | 15.2735% | 2,849 |
| Total risk-based capital ratio | 16.2941% | 2,878 |
| Memoranda: | ||
| Average total assets | $175,805,800 | 3,212 |
| Average earning assets | $163,155,000 | 3,193 |
| Average equity | $17,230,000 | 3,525 |
| Average total loans | $103,383,600 | 3,325 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,007 |
| Cost of funding earning assets | 0.5682% | 1,556 |
| Net interest margin | 3.7789% | 2,413 |
| Noninterest income to average assets | 0.4692% | 3,432 |
| Noninterest expense to average assets | 3.1727% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5940% | 4,318 |
| Return on assets (ROA) | 0.5957% | 4,420 |
| Pretax return on assets | 0.8095% | 4,280 |
| Return on Equity (ROE) | 6.1473% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.1473% | 2,095 |
| Net charge-offs to loans | 0.0775% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.8663% | 2,032 |
| Efficiency ratio | 79.7162% | 1,469 |
| Assets per employee ($millions) | 3.4195% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,468 |
| Loan loss allowance to noncurrent loans | 278.6385% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 4,391 |
| Noncurrent loans to loans | 0.4171% | 3,786 |
| Net loans and leases to total assets | 57.8826% | 4,110 |
| Net loans and leases to deposits | 65.9564% | 4,350 |
| Net loans and leases to core deposits | 71.4367% | 4,212 |
| Total domestic deposits to total assets | 87.7589% | 1,522 |
| Equity capital to assets | 10.0690% | 4,074 |
| Core capital (leverage) ratio | 9.7681% | 3,849 |
| Tier 1 risk-based capital ratio | 15.5368% | 2,817 |
| Total risk-based capital ratio | 16.5934% | 2,826 |
| Memoranda: | ||
| Average total assets | $177,049,000 | 3,212 |
| Average earning assets | $164,486,500 | 3,192 |
| Average equity | $17,156,250 | 3,562 |
| Average total loans | $103,267,500 | 3,333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 1,946 |
| Cost of funding earning assets | 0.5673% | 1,563 |
| Net interest margin | 3.7934% | 2,346 |
| Noninterest income to average assets | 0.4035% | 3,851 |
| Noninterest expense to average assets | 3.0821% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6107% | 4,220 |
| Return on assets (ROA) | 0.6115% | 4,344 |
| Pretax return on assets | 0.8554% | 4,100 |
| Return on Equity (ROE) | 6.3919% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.3919% | 1,922 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2981% | 1,744 |
| Assets per employee ($millions) | 3.5892% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,319 |
| Loan loss allowance to noncurrent loans | 246.9307% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,388 |
| Noncurrent loans to loans | 0.4888% | 3,619 |
| Net loans and leases to total assets | 55.7635% | 4,342 |
| Net loans and leases to deposits | 63.5138% | 4,529 |
| Net loans and leases to core deposits | 69.0956% | 4,398 |
| Total domestic deposits to total assets | 87.7973% | 1,526 |
| Equity capital to assets | 9.4805% | 4,786 |
| Core capital (leverage) ratio | 9.2377% | 4,532 |
| Tier 1 risk-based capital ratio | 15.0424% | 3,060 |
| Total risk-based capital ratio | 16.1324% | 3,065 |
| Memoranda: | ||
| Average total assets | $177,933,330 | 3,213 |
| Average earning assets | $165,710,330 | 3,202 |
| Average equity | $17,021,670 | 3,587 |
| Average total loans | $103,646,000 | 3,348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 1,861 |
| Cost of funding earning assets | 0.5509% | 1,701 |
| Net interest margin | 3.8294% | 2,186 |
| Noninterest income to average assets | 0.3900% | 3,903 |
| Noninterest expense to average assets | 3.1247% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5885% | 4,231 |
| Return on assets (ROA) | 0.5885% | 4,349 |
| Pretax return on assets | 0.8325% | 4,094 |
| Return on Equity (ROE) | 6.1226% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.1226% | 2,321 |
| Net charge-offs to loans | -0.0154% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9625% | 1,759 |
| Assets per employee ($millions) | 3.8718% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,251 |
| Loan loss allowance to noncurrent loans | 310.6700% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 4,659 |
| Noncurrent loans to loans | 0.3994% | 4,001 |
| Net loans and leases to total assets | 53.6229% | 4,483 |
| Net loans and leases to deposits | 60.4980% | 4,681 |
| Net loans and leases to core deposits | 65.6660% | 4,556 |
| Total domestic deposits to total assets | 88.6358% | 1,290 |
| Equity capital to assets | 9.1490% | 5,041 |
| Core capital (leverage) ratio | 9.9132% | 3,647 |
| Tier 1 risk-based capital ratio | 14.8708% | 3,216 |
| Total risk-based capital ratio | 15.9710% | 3,221 |
| Memoranda: | ||
| Average total assets | $175,375,000 | 3,257 |
| Average earning assets | $163,368,500 | 3,235 |
| Average equity | $16,855,500 | 3,616 |
| Average total loans | $103,808,000 | 3,359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 550 |
| Cost of funding earning assets | 0.5794% | 1,497 |
| Net interest margin | 4.4883% | 673 |
| Noninterest income to average assets | 0.4658% | 3,555 |
| Noninterest expense to average assets | 3.3894% | 1,507 |
| Loan and lease loss provision to assets | 0.0636% | 3,022 |
| Net operating income to assets | 0.8177% | 3,261 |
| Return on assets (ROA) | 0.8207% | 3,323 |
| Pretax return on assets | 1.1738% | 2,756 |
| Return on Equity (ROE) | 8.3756% | 2,769 |
| Retained earnings to average equity (ytd only) | 7.9367% | 937 |
| Net charge-offs to loans | 0.0762% | 2,736 |
| Credit loss provision to net charge-offs | 126.5060% | 2,055 |
| Earnings coverage of net charge-offs (x) | 24.5301% | 1,669 |
| Efficiency ratio | 73.3229% | 2,687 |
| Assets per employee ($millions) | 3.5086% | 4,824 |
| Cash dividends to net income (ytd only)* | 5.2399% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,656 |
| Loan loss allowance to noncurrent loans | 317.3028% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,602 |
| Noncurrent loans to loans | 0.3683% | 4,126 |
| Net loans and leases to total assets | 63.9530% | 3,295 |
| Net loans and leases to deposits | 73.6979% | 3,531 |
| Net loans and leases to core deposits | 81.2038% | 3,228 |
| Total domestic deposits to total assets | 86.7772% | 2,242 |
| Equity capital to assets | 10.1320% | 3,827 |
| Core capital (leverage) ratio | 9.8973% | 3,647 |
| Tier 1 risk-based capital ratio | 14.9164% | 3,215 |
| Total risk-based capital ratio | 16.0326% | 3,219 |
| Memoranda: | ||
| Average total assets | $165,103,800 | 3,375 |
| Average earning assets | $152,909,000 | 3,359 |
| Average equity | $16,178,000 | 3,649 |
| Average total loans | $108,890,600 | 3,220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 562 |
| Cost of funding earning assets | 0.5841% | 1,510 |
| Net interest margin | 4.4683% | 701 |
| Noninterest income to average assets | 0.4723% | 3,555 |
| Noninterest expense to average assets | 3.2559% | 1,808 |
| Loan and lease loss provision to assets | 0.0848% | 2,473 |
| Net operating income to assets | 0.8817% | 3,031 |
| Return on assets (ROA) | 0.8856% | 3,100 |
| Pretax return on assets | 1.2747% | 2,496 |
| Return on Equity (ROE) | 9.1155% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.1155% | 862 |
| Net charge-offs to loans | 0.0609% | 2,729 |
| Credit loss provision to net charge-offs | 210.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 33.5374% | 1,388 |
| Efficiency ratio | 70.6305% | 3,108 |
| Assets per employee ($millions) | 3.6389% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,934 |
| Loan loss allowance to noncurrent loans | 414.2395% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 4,986 |
| Noncurrent loans to loans | 0.2773% | 4,583 |
| Net loans and leases to total assets | 65.8056% | 3,047 |
| Net loans and leases to deposits | 75.7412% | 3,336 |
| Net loans and leases to core deposits | 83.5599% | 3,091 |
| Total domestic deposits to total assets | 86.8821% | 2,102 |
| Equity capital to assets | 9.9199% | 4,262 |
| Core capital (leverage) ratio | 9.5792% | 4,200 |
| Tier 1 risk-based capital ratio | 14.3653% | 3,646 |
| Total risk-based capital ratio | 15.4805% | 3,646 |
| Memoranda: | ||
| Average total assets | $165,153,750 | 3,405 |
| Average earning assets | $152,925,000 | 3,382 |
| Average equity | $16,045,500 | 3,704 |
| Average total loans | $109,436,250 | 3,242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 570 |
| Cost of funding earning assets | 0.5849% | 1,527 |
| Net interest margin | 4.4398% | 706 |
| Noninterest income to average assets | 0.4732% | 3,537 |
| Noninterest expense to average assets | 3.2492% | 1,847 |
| Loan and lease loss provision to assets | 0.0912% | 2,295 |
| Net operating income to assets | 0.8692% | 3,047 |
| Return on assets (ROA) | 0.8734% | 3,133 |
| Pretax return on assets | 1.2481% | 2,559 |
| Return on Equity (ROE) | 9.0548% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.0548% | 901 |
| Net charge-offs to loans | 0.0147% | 3,421 |
| Credit loss provision to net charge-offs | 937.5000% | 382 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 463 |
| Efficiency ratio | 70.9052% | 3,179 |
| Assets per employee ($millions) | 3.7502% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,952 |
| Loan loss allowance to noncurrent loans | 246.3740% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 4,666 |
| Noncurrent loans to loans | 0.4762% | 4,045 |
| Net loans and leases to total assets | 63.0351% | 3,408 |
| Net loans and leases to deposits | 72.5480% | 3,671 |
| Net loans and leases to core deposits | 79.9906% | 3,386 |
| Total domestic deposits to total assets | 86.8875% | 2,225 |
| Equity capital to assets | 9.3631% | 4,828 |
| Core capital (leverage) ratio | 9.2334% | 4,643 |
| Tier 1 risk-based capital ratio | 14.3097% | 3,755 |
| Total risk-based capital ratio | 15.4566% | 3,739 |
| Memoranda: | ||
| Average total assets | $164,408,330 | 3,427 |
| Average earning assets | $152,169,670 | 3,416 |
| Average equity | $15,859,000 | 3,746 |
| Average total loans | $108,771,000 | 3,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 500 |
| Cost of funding earning assets | 0.5758% | 1,613 |
| Net interest margin | 4.5037% | 601 |
| Noninterest income to average assets | 0.4814% | 3,413 |
| Noninterest expense to average assets | 3.3500% | 1,600 |
| Loan and lease loss provision to assets | 0.1122% | 1,840 |
| Net operating income to assets | 0.8331% | 3,098 |
| Return on assets (ROA) | 0.8331% | 3,225 |
| Pretax return on assets | 1.1749% | 2,761 |
| Return on Equity (ROE) | 8.5028% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.5028% | 1,374 |
| Net charge-offs to loans | -0.0370% | 5,372 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2431% | 3,129 |
| Assets per employee ($millions) | 3.7412% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 4,111 |
| Loan loss allowance to noncurrent loans | 208.8091% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 4,512 |
| Noncurrent loans to loans | 0.5634% | 3,898 |
| Net loans and leases to total assets | 62.4800% | 3,289 |
| Net loans and leases to deposits | 72.6005% | 3,480 |
| Net loans and leases to core deposits | 80.1462% | 3,141 |
| Total domestic deposits to total assets | 86.0600% | 2,909 |
| Equity capital to assets | 9.2339% | 5,046 |
| Core capital (leverage) ratio | 10.1575% | 3,390 |
| Tier 1 risk-based capital ratio | 14.0621% | 3,967 |
| Total risk-based capital ratio | 15.2069% | 3,974 |
| Memoranda: | ||
| Average total assets | $160,359,000 | 3,501 |
| Average earning assets | $147,966,500 | 3,501 |
| Average equity | $15,712,500 | 3,797 |
| Average total loans | $108,141,000 | 3,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 229 |
| Cost of funding earning assets | 0.7008% | 1,105 |
| Net interest margin | 4.9890% | 310 |
| Noninterest income to average assets | 0.5910% | 2,909 |
| Noninterest expense to average assets | 3.6001% | 1,305 |
| Loan and lease loss provision to assets | 0.1542% | 1,702 |
| Net operating income to assets | 0.9749% | 2,505 |
| Return on assets (ROA) | 0.9773% | 2,570 |
| Pretax return on assets | 1.4120% | 1,846 |
| Return on Equity (ROE) | 9.5387% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.1486% | 677 |
| Net charge-offs to loans | 0.1887% | 2,162 |
| Credit loss provision to net charge-offs | 112.8205% | 2,105 |
| Earnings coverage of net charge-offs (x) | 11.4308% | 2,487 |
| Efficiency ratio | 69.7311% | 3,575 |
| Assets per employee ($millions) | 3.2309% | 5,387 |
| Cash dividends to net income (ytd only)* | 4.0890% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 4,336 |
| Loan loss allowance to noncurrent loans | 188.4615% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 4,206 |
| Noncurrent loans to loans | 0.6048% | 3,860 |
| Net loans and leases to total assets | 71.4910% | 1,995 |
| Net loans and leases to deposits | 84.9730% | 2,103 |
| Net loans and leases to core deposits | 95.1917% | 1,791 |
| Total domestic deposits to total assets | 84.1337% | 3,653 |
| Equity capital to assets | 10.4519% | 3,543 |
| Core capital (leverage) ratio | 10.2553% | 3,239 |
| Tier 1 risk-based capital ratio | 14.6892% | 3,667 |
| Total risk-based capital ratio | 15.8584% | 3,648 |
| Memoranda: | ||
| Average total assets | $142,636,600 | 3,749 |
| Average earning assets | $130,708,800 | 3,753 |
| Average equity | $14,614,200 | 3,910 |
| Average total loans | $103,319,200 | 3,353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 232 |
| Cost of funding earning assets | 0.7269% | 1,008 |
| Net interest margin | 4.9617% | 321 |
| Noninterest income to average assets | 0.6008% | 2,863 |
| Noninterest expense to average assets | 3.5576% | 1,367 |
| Loan and lease loss provision to assets | 0.1653% | 1,501 |
| Net operating income to assets | 1.0147% | 2,386 |
| Return on assets (ROA) | 1.0174% | 2,432 |
| Pretax return on assets | 1.4274% | 1,895 |
| Return on Equity (ROE) | 9.9829% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.9829% | 714 |
| Net charge-offs to loans | 0.2281% | 1,678 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 9.6113% | 2,648 |
| Efficiency ratio | 69.1263% | 3,655 |
| Assets per employee ($millions) | 3.0862% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 4,572 |
| Loan loss allowance to noncurrent loans | 166.2968% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 3,916 |
| Noncurrent loans to loans | 0.6839% | 3,895 |
| Net loans and leases to total assets | 70.3603% | 2,136 |
| Net loans and leases to deposits | 83.6160% | 2,209 |
| Net loans and leases to core deposits | 93.7353% | 1,896 |
| Total domestic deposits to total assets | 84.1470% | 3,702 |
| Equity capital to assets | 10.1832% | 3,951 |
| Core capital (leverage) ratio | 10.2284% | 3,373 |
| Tier 1 risk-based capital ratio | 14.6792% | 3,770 |
| Total risk-based capital ratio | 15.8426% | 3,759 |
| Memoranda: | ||
| Average total assets | $141,140,000 | 3,804 |
| Average earning assets | $129,307,750 | 3,798 |
| Average equity | $14,384,250 | 3,986 |
| Average total loans | $102,279,750 | 3,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 213 |
| Cost of funding earning assets | 0.7592% | 885 |
| Net interest margin | 4.9566% | 305 |
| Noninterest income to average assets | 0.6253% | 2,678 |
| Noninterest expense to average assets | 3.5546% | 1,379 |
| Loan and lease loss provision to assets | 0.1873% | 1,301 |
| Net operating income to assets | 1.0174% | 2,255 |
| Return on assets (ROA) | 1.0216% | 2,309 |
| Pretax return on assets | 1.4235% | 1,806 |
| Return on Equity (ROE) | 10.0207% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.0207% | 711 |
| Net charge-offs to loans | 0.2430% | 1,588 |
| Credit loss provision to net charge-offs | 105.6911% | 1,893 |
| Earnings coverage of net charge-offs (x) | 9.0569% | 2,404 |
| Efficiency ratio | 68.8914% | 3,849 |
| Assets per employee ($millions) | 2.9922% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 4,582 |
| Loan loss allowance to noncurrent loans | 122.7874% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 3,680 |
| Noncurrent loans to loans | 0.9504% | 3,346 |
| Net loans and leases to total assets | 72.6862% | 1,621 |
| Net loans and leases to deposits | 84.7771% | 1,959 |
| Net loans and leases to core deposits | 95.9713% | 1,601 |
| Total domestic deposits to total assets | 85.7380% | 3,181 |
| Equity capital to assets | 10.4208% | 3,536 |
| Core capital (leverage) ratio | 10.3129% | 3,195 |
| Tier 1 risk-based capital ratio | 14.7270% | 3,789 |
| Total risk-based capital ratio | 15.9312% | 3,776 |
| Memoranda: | ||
| Average total assets | $138,808,000 | 3,868 |
| Average earning assets | $126,983,330 | 3,875 |
| Average equity | $14,150,670 | 4,024 |
| Average total loans | $101,230,330 | 3,433 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6963% | 225 |
| Cost of funding earning assets | 0.7838% | 814 |
| Net interest margin | 4.9124% | 315 |
| Noninterest income to average assets | 0.5395% | 3,112 |
| Noninterest expense to average assets | 3.5708% | 1,359 |
| Loan and lease loss provision to assets | 0.1305% | 1,863 |
| Net operating income to assets | 0.9812% | 2,282 |
| Return on assets (ROA) | 0.9833% | 2,330 |
| Pretax return on assets | 1.3314% | 1,991 |
| Return on Equity (ROE) | 9.7564% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.7564% | 1,029 |
| Net charge-offs to loans | -0.0240% | 5,437 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9919% | 3,651 |
| Assets per employee ($millions) | 3.0913% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,410 |
| Loan loss allowance to noncurrent loans | 136.4231% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 4,058 |
| Noncurrent loans to loans | 0.9123% | 3,603 |
| Net loans and leases to total assets | 69.8034% | 1,929 |
| Net loans and leases to deposits | 81.0092% | 2,162 |
| Net loans and leases to core deposits | 92.0079% | 1,730 |
| Total domestic deposits to total assets | 86.1672% | 3,271 |
| Equity capital to assets | 9.9165% | 3,946 |
| Core capital (leverage) ratio | 10.3592% | 3,106 |
| Tier 1 risk-based capital ratio | 14.5581% | 3,978 |
| Total risk-based capital ratio | 15.8085% | 3,923 |
| Memoranda: | ||
| Average total assets | $137,896,000 | 3,921 |
| Average earning assets | $126,047,500 | 3,925 |
| Average equity | $13,898,500 | 4,063 |
| Average total loans | $100,132,000 | 3,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 199 |
| Cost of funding earning assets | 0.9295% | 635 |
| Net interest margin | 4.9765% | 320 |
| Noninterest income to average assets | 0.6306% | 2,913 |
| Noninterest expense to average assets | 3.7307% | 1,238 |
| Loan and lease loss provision to assets | 0.2618% | 1,359 |
| Net operating income to assets | 0.8264% | 3,151 |
| Return on assets (ROA) | 0.8363% | 3,182 |
| Pretax return on assets | 1.1333% | 2,835 |
| Return on Equity (ROE) | 8.2854% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.8630% | 1,104 |
| Net charge-offs to loans | 0.1780% | 3,048 |
| Credit loss provision to net charge-offs | 208.3333% | 1,107 |
| Earnings coverage of net charge-offs (x) | 10.9940% | 2,289 |
| Efficiency ratio | 72.9734% | 3,294 |
| Assets per employee ($millions) | 2.9688% | 5,877 |
| Cash dividends to net income (ytd only)* | 5.0984% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 4,643 |
| Loan loss allowance to noncurrent loans | 151.1335% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 4,187 |
| Noncurrent loans to loans | 0.7960% | 3,991 |
| Net loans and leases to total assets | 73.7713% | 1,386 |
| Net loans and leases to deposits | 86.1343% | 1,668 |
| Net loans and leases to core deposits | 99.0741% | 1,230 |
| Total domestic deposits to total assets | 85.6468% | 3,431 |
| Equity capital to assets | 10.2520% | 3,442 |
| Core capital (leverage) ratio | 10.2688% | 3,194 |
| Tier 1 risk-based capital ratio | 14.3386% | 4,058 |
| Total risk-based capital ratio | 15.5632% | 4,017 |
| Memoranda: | ||
| Average total assets | $133,676,200 | 4,002 |
| Average earning assets | $120,385,200 | 4,039 |
| Average equity | $13,493,600 | 4,168 |
| Average total loans | $94,401,600 | 3,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7100% | 275 |
| Cost of funding earning assets | 0.9528% | 636 |
| Net interest margin | 4.7572% | 463 |
| Noninterest income to average assets | 0.7549% | 2,345 |
| Noninterest expense to average assets | 3.7248% | 1,213 |
| Loan and lease loss provision to assets | 0.2792% | 1,249 |
| Net operating income to assets | 0.7639% | 3,535 |
| Return on assets (ROA) | 0.7639% | 3,668 |
| Pretax return on assets | 1.0232% | 3,406 |
| Return on Equity (ROE) | 7.5973% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.5973% | 1,590 |
| Net charge-offs to loans | 0.1519% | 3,024 |
| Credit loss provision to net charge-offs | 264.1509% | 953 |
| Earnings coverage of net charge-offs (x) | 12.3207% | 2,146 |
| Efficiency ratio | 74.0924% | 3,049 |
| Assets per employee ($millions) | 3.1584% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 4,722 |
| Loan loss allowance to noncurrent loans | 140.1176% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 4,312 |
| Noncurrent loans to loans | 0.8804% | 4,057 |
| Net loans and leases to total assets | 70.2112% | 1,925 |
| Net loans and leases to deposits | 81.7202% | 2,172 |
| Net loans and leases to core deposits | 94.4128% | 1,533 |
| Total domestic deposits to total assets | 85.9167% | 3,310 |
| Equity capital to assets | 9.8938% | 4,063 |
| Core capital (leverage) ratio | 10.1926% | 3,415 |
| Tier 1 risk-based capital ratio | 14.2862% | 4,228 |
| Total risk-based capital ratio | 15.5229% | 4,176 |
| Memoranda: | ||
| Average total assets | $133,696,750 | 4,040 |
| Average earning assets | $120,066,500 | 4,097 |
| Average equity | $13,443,000 | 4,226 |
| Average total loans | $93,063,500 | 3,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 264 |
| Cost of funding earning assets | 0.9820% | 592 |
| Net interest margin | 4.7468% | 466 |
| Noninterest income to average assets | 0.7519% | 2,402 |
| Noninterest expense to average assets | 3.7506% | 1,163 |
| Loan and lease loss provision to assets | 0.2406% | 1,547 |
| Net operating income to assets | 0.7474% | 3,581 |
| Return on assets (ROA) | 0.7474% | 3,729 |
| Pretax return on assets | 0.9986% | 3,514 |
| Return on Equity (ROE) | 7.3931% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.3931% | 1,715 |
| Net charge-offs to loans | 0.1023% | 3,340 |
| Credit loss provision to net charge-offs | 340.4255% | 765 |
| Earnings coverage of net charge-offs (x) | 17.5319% | 1,601 |
| Efficiency ratio | 75.1658% | 2,925 |
| Assets per employee ($millions) | 3.0029% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 4,982 |
| Loan loss allowance to noncurrent loans | 143.4010% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 4,566 |
| Noncurrent loans to loans | 0.8380% | 4,240 |
| Net loans and leases to total assets | 68.7491% | 2,101 |
| Net loans and leases to deposits | 80.1518% | 2,298 |
| Net loans and leases to core deposits | 91.1508% | 1,793 |
| Total domestic deposits to total assets | 85.7736% | 3,490 |
| Equity capital to assets | 10.0119% | 3,902 |
| Core capital (leverage) ratio | 9.8703% | 3,686 |
| Tier 1 risk-based capital ratio | 14.3645% | 4,183 |
| Total risk-based capital ratio | 15.5680% | 4,163 |
| Memoranda: | ||
| Average total assets | $132,991,330 | 4,078 |
| Average earning assets | $118,733,670 | 4,146 |
| Average equity | $13,445,000 | 4,252 |
| Average total loans | $91,902,330 | 3,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 251 |
| Cost of funding earning assets | 0.9969% | 622 |
| Net interest margin | 4.7617% | 429 |
| Noninterest income to average assets | 0.7611% | 2,289 |
| Noninterest expense to average assets | 3.5021% | 1,617 |
| Loan and lease loss provision to assets | 0.3032% | 1,133 |
| Net operating income to assets | 0.8702% | 2,805 |
| Return on assets (ROA) | 0.8702% | 2,951 |
| Pretax return on assets | 1.1704% | 2,682 |
| Return on Equity (ROE) | 8.5652% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.5652% | 1,534 |
| Net charge-offs to loans | 0.0925% | 2,918 |
| Credit loss provision to net charge-offs | 476.1905% | 552 |
| Earnings coverage of net charge-offs (x) | 23.1429% | 1,115 |
| Efficiency ratio | 70.3839% | 3,912 |
| Assets per employee ($millions) | 3.1268% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,208 |
| Loan loss allowance to noncurrent loans | 169.5518% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 4,301 |
| Noncurrent loans to loans | 0.7044% | 4,722 |
| Net loans and leases to total assets | 67.5041% | 2,107 |
| Net loans and leases to deposits | 79.7673% | 2,105 |
| Net loans and leases to core deposits | 88.7108% | 1,833 |
| Total domestic deposits to total assets | 84.6264% | 4,214 |
| Equity capital to assets | 10.0624% | 4,062 |
| Core capital (leverage) ratio | 10.1315% | 3,240 |
| Tier 1 risk-based capital ratio | 14.5158% | 4,163 |
| Total risk-based capital ratio | 15.7150% | 4,169 |
| Memoranda: | ||
| Average total assets | $131,922,500 | 4,139 |
| Average earning assets | $116,764,500 | 4,223 |
| Average equity | $13,403,000 | 4,308 |
| Average total loans | $90,838,500 | 3,726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 470 |
| Cost of funding earning assets | 1.1093% | 873 |
| Net interest margin | 4.5339% | 883 |
| Noninterest income to average assets | 0.8104% | 2,216 |
| Noninterest expense to average assets | 3.7436% | 1,335 |
| Loan and lease loss provision to assets | 0.3367% | 1,995 |
| Net operating income to assets | 0.6072% | 4,202 |
| Return on assets (ROA) | 0.6290% | 4,362 |
| Pretax return on assets | 0.8150% | 4,240 |
| Return on Equity (ROE) | 6.3839% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.9412% | 2,111 |
| Net charge-offs to loans | 0.4815% | 2,314 |
| Credit loss provision to net charge-offs | 104.7619% | 2,850 |
| Earnings coverage of net charge-offs (x) | 3.4952% | 3,703 |
| Efficiency ratio | 76.9182% | 2,604 |
| Assets per employee ($millions) | 2.9408% | 6,093 |
| Cash dividends to net income (ytd only)* | 6.9343% | 4,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,427 |
| Loan loss allowance to noncurrent loans | 126.1462% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 3,934 |
| Noncurrent loans to loans | 0.8985% | 4,386 |
| Net loans and leases to total assets | 68.6291% | 2,081 |
| Net loans and leases to deposits | 80.7041% | 2,189 |
| Net loans and leases to core deposits | 90.5551% | 1,772 |
| Total domestic deposits to total assets | 85.0379% | 3,847 |
| Equity capital to assets | 10.2609% | 3,809 |
| Core capital (leverage) ratio | 10.1314% | 3,231 |
| Tier 1 risk-based capital ratio | 13.9135% | 4,437 |
| Total risk-based capital ratio | 15.0042% | 4,519 |
| Memoranda: | ||
| Average total assets | $130,677,400 | 4,137 |
| Average earning assets | $116,919,800 | 4,187 |
| Average equity | $12,876,200 | 4,385 |
| Average total loans | $87,226,800 | 3,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 604 |
| Cost of funding earning assets | 1.1287% | 947 |
| Net interest margin | 4.4290% | 1,144 |
| Noninterest income to average assets | 0.7298% | 2,573 |
| Noninterest expense to average assets | 3.6783% | 1,401 |
| Loan and lease loss provision to assets | 0.3257% | 2,016 |
| Net operating income to assets | 0.5820% | 4,470 |
| Return on assets (ROA) | 0.6097% | 4,601 |
| Pretax return on assets | 0.7583% | 4,641 |
| Return on Equity (ROE) | 6.2512% | 4,198 |
| Retained earnings to average equity (ytd only) | 6.2512% | 2,523 |
| Net charge-offs to loans | 0.4220% | 2,407 |
| Credit loss provision to net charge-offs | 116.7883% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7628% | 3,521 |
| Efficiency ratio | 77.8041% | 2,419 |
| Assets per employee ($millions) | 2.8818% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,391 |
| Loan loss allowance to noncurrent loans | 110.0105% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 3,977 |
| Noncurrent loans to loans | 1.0699% | 4,304 |
| Net loans and leases to total assets | 67.5943% | 2,353 |
| Net loans and leases to deposits | 79.5840% | 2,462 |
| Net loans and leases to core deposits | 89.2947% | 2,069 |
| Total domestic deposits to total assets | 84.9346% | 3,768 |
| Equity capital to assets | 10.1171% | 4,326 |
| Core capital (leverage) ratio | 9.8968% | 3,693 |
| Tier 1 risk-based capital ratio | 14.2930% | 4,337 |
| Total risk-based capital ratio | 15.4573% | 4,346 |
| Memoranda: | ||
| Average total assets | $130,998,250 | 4,159 |
| Average earning assets | $118,247,250 | 4,193 |
| Average equity | $12,776,000 | 4,453 |
| Average total loans | $86,578,500 | 3,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 740 |
| Cost of funding earning assets | 1.1558% | 998 |
| Net interest margin | 4.3310% | 1,392 |
| Noninterest income to average assets | 0.7593% | 2,375 |
| Noninterest expense to average assets | 3.7448% | 1,302 |
| Loan and lease loss provision to assets | 0.3043% | 2,162 |
| Net operating income to assets | 0.5120% | 4,760 |
| Return on assets (ROA) | 0.5539% | 4,843 |
| Pretax return on assets | 0.6847% | 4,866 |
| Return on Equity (ROE) | 5.7498% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.7498% | 2,853 |
| Net charge-offs to loans | 0.2795% | 2,922 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,899 |
| Efficiency ratio | 79.9805% | 2,182 |
| Assets per employee ($millions) | 2.9805% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,241 |
| Loan loss allowance to noncurrent loans | 80.3279% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 3,724 |
| Noncurrent loans to loans | 1.5252% | 3,618 |
| Net loans and leases to total assets | 66.2727% | 2,616 |
| Net loans and leases to deposits | 78.3718% | 2,621 |
| Net loans and leases to core deposits | 88.3306% | 2,173 |
| Total domestic deposits to total assets | 84.5619% | 4,072 |
| Equity capital to assets | 9.8244% | 4,585 |
| Core capital (leverage) ratio | 9.5568% | 4,068 |
| Tier 1 risk-based capital ratio | 14.1992% | 4,306 |
| Total risk-based capital ratio | 15.4154% | 4,294 |
| Memoranda: | ||
| Average total assets | $131,437,330 | 4,177 |
| Average earning assets | $119,049,330 | 4,201 |
| Average equity | $12,661,330 | 4,469 |
| Average total loans | $85,871,000 | 3,910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 790 |
| Cost of funding earning assets | 1.2031% | 969 |
| Net interest margin | 4.2730% | 1,550 |
| Noninterest income to average assets | 0.7630% | 2,331 |
| Noninterest expense to average assets | 3.6539% | 1,460 |
| Loan and lease loss provision to assets | 0.3648% | 1,729 |
| Net operating income to assets | 0.5115% | 4,778 |
| Return on assets (ROA) | 0.5745% | 4,698 |
| Pretax return on assets | 0.6961% | 4,804 |
| Return on Equity (ROE) | 6.0239% | 4,277 |
| Retained earnings to average equity (ytd only) | 6.0239% | 2,944 |
| Net charge-offs to loans | 0.4575% | 1,952 |
| Credit loss provision to net charge-offs | 123.7113% | 1,930 |
| Earnings coverage of net charge-offs (x) | 3.3402% | 2,874 |
| Efficiency ratio | 78.7680% | 2,383 |
| Assets per employee ($millions) | 2.9845% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,452 |
| Loan loss allowance to noncurrent loans | 78.5385% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4594% | 3,677 |
| Noncurrent loans to loans | 1.5363% | 3,808 |
| Net loans and leases to total assets | 62.2458% | 3,210 |
| Net loans and leases to deposits | 73.5833% | 3,181 |
| Net loans and leases to core deposits | 81.5296% | 2,892 |
| Total domestic deposits to total assets | 84.5923% | 4,226 |
| Equity capital to assets | 9.3915% | 4,974 |
| Core capital (leverage) ratio | 9.3189% | 4,332 |
| Tier 1 risk-based capital ratio | 14.2824% | 4,253 |
| Total risk-based capital ratio | 15.4576% | 4,288 |
| Memoranda: | ||
| Average total assets | $131,584,500 | 4,196 |
| Average earning assets | $119,354,000 | 4,215 |
| Average equity | $12,550,000 | 4,497 |
| Average total loans | $84,811,500 | 3,983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 704 |
| Cost of funding earning assets | 1.4702% | 801 |
| Net interest margin | 4.2804% | 1,769 |
| Noninterest income to average assets | 0.8031% | 2,041 |
| Noninterest expense to average assets | 3.9988% | 1,041 |
| Loan and lease loss provision to assets | 0.2125% | 4,066 |
| Net operating income to assets | 0.3629% | 5,021 |
| Return on assets (ROA) | 0.3780% | 5,132 |
| Pretax return on assets | 0.4554% | 5,113 |
| Return on Equity (ROE) | 4.1025% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.6330% | 3,621 |
| Net charge-offs to loans | 0.3629% | 3,589 |
| Credit loss provision to net charge-offs | 89.1720% | 4,046 |
| Earnings coverage of net charge-offs (x) | 2.7261% | 3,854 |
| Efficiency ratio | 86.0222% | 1,562 |
| Assets per employee ($millions) | 2.8014% | 6,454 |
| Cash dividends to net income (ytd only)* | 11.4458% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,513 |
| Loan loss allowance to noncurrent loans | 79.0182% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.4519% | 3,808 |
| Noncurrent loans to loans | 1.4858% | 3,918 |
| Net loans and leases to total assets | 65.1886% | 2,939 |
| Net loans and leases to deposits | 76.7536% | 3,047 |
| Net loans and leases to core deposits | 85.8246% | 2,655 |
| Total domestic deposits to total assets | 84.9324% | 3,888 |
| Equity capital to assets | 9.6899% | 4,614 |
| Core capital (leverage) ratio | 9.3369% | 4,274 |
| Tier 1 risk-based capital ratio | 14.1765% | 4,194 |
| Total risk-based capital ratio | 15.3344% | 4,216 |
| Memoranda: | ||
| Average total assets | $131,739,400 | 4,133 |
| Average earning assets | $118,354,800 | 4,176 |
| Average equity | $12,138,800 | 4,523 |
| Average total loans | $86,531,800 | 3,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 778 |
| Cost of funding earning assets | 1.5291% | 773 |
| Net interest margin | 4.2179% | 2,031 |
| Noninterest income to average assets | 0.8194% | 1,962 |
| Noninterest expense to average assets | 4.0032% | 997 |
| Loan and lease loss provision to assets | 0.1611% | 4,454 |
| Net operating income to assets | 0.3813% | 5,076 |
| Return on assets (ROA) | 0.3664% | 5,326 |
| Pretax return on assets | 0.4197% | 5,407 |
| Return on Equity (ROE) | 4.0270% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.0270% | 3,853 |
| Net charge-offs to loans | 0.3943% | 3,142 |
| Credit loss provision to net charge-offs | 62.2568% | 4,741 |
| Earnings coverage of net charge-offs (x) | 2.3113% | 3,973 |
| Efficiency ratio | 87.0050% | 1,437 |
| Assets per employee ($millions) | 2.8600% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,886 |
| Loan loss allowance to noncurrent loans | 62.3749% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6114% | 3,664 |
| Noncurrent loans to loans | 1.7650% | 3,684 |
| Net loans and leases to total assets | 63.8452% | 3,341 |
| Net loans and leases to deposits | 75.0930% | 3,494 |
| Net loans and leases to core deposits | 84.6930% | 2,957 |
| Total domestic deposits to total assets | 85.0215% | 3,762 |
| Equity capital to assets | 9.4609% | 5,144 |
| Core capital (leverage) ratio | 9.1325% | 4,738 |
| Tier 1 risk-based capital ratio | 14.0549% | 4,319 |
| Total risk-based capital ratio | 15.1372% | 4,389 |
| Memoranda: | ||
| Average total assets | $132,457,750 | 4,144 |
| Average earning assets | $118,761,500 | 4,188 |
| Average equity | $12,051,750 | 4,560 |
| Average total loans | $86,913,750 | 3,971 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 757 |
| Cost of funding earning assets | 1.5838% | 750 |
| Net interest margin | 4.1893% | 2,077 |
| Noninterest income to average assets | 0.8331% | 1,880 |
| Noninterest expense to average assets | 4.1520% | 872 |
| Loan and lease loss provision to assets | 0.0603% | 5,558 |
| Net operating income to assets | 0.3049% | 5,358 |
| Return on assets (ROA) | 0.2742% | 5,592 |
| Pretax return on assets | 0.3224% | 5,619 |
| Return on Equity (ROE) | 3.0537% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.0537% | 4,335 |
| Net charge-offs to loans | 0.4019% | 2,946 |
| Credit loss provision to net charge-offs | 22.7273% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.5795% | 4,108 |
| Efficiency ratio | 90.8372% | 1,186 |
| Assets per employee ($millions) | 2.8581% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 6,201 |
| Loan loss allowance to noncurrent loans | 95.1116% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2484% | 4,401 |
| Noncurrent loans to loans | 1.0887% | 4,850 |
| Net loans and leases to total assets | 63.6783% | 3,537 |
| Net loans and leases to deposits | 75.1698% | 3,620 |
| Net loans and leases to core deposits | 83.9666% | 3,216 |
| Total domestic deposits to total assets | 84.7126% | 4,010 |
| Equity capital to assets | 9.0678% | 5,488 |
| Core capital (leverage) ratio | 8.8044% | 5,039 |
| Tier 1 risk-based capital ratio | 13.9542% | 4,200 |
| Total risk-based capital ratio | 14.9984% | 4,319 |
| Memoranda: | ||
| Average total assets | $132,756,330 | 4,167 |
| Average earning assets | $118,445,670 | 4,221 |
| Average equity | $11,920,000 | 4,575 |
| Average total loans | $87,574,670 | 3,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8253% | 705 |
| Cost of funding earning assets | 1.6191% | 762 |
| Net interest margin | 4.2062% | 1,876 |
| Noninterest income to average assets | 0.7881% | 2,078 |
| Noninterest expense to average assets | 4.2010% | 817 |
| Loan and lease loss provision to assets | 0.1212% | 4,495 |
| Net operating income to assets | 0.1314% | 6,002 |
| Return on assets (ROA) | 0.0849% | 6,185 |
| Pretax return on assets | 0.1334% | 6,093 |
| Return on Equity (ROE) | 0.9500% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.9500% | 5,451 |
| Net charge-offs to loans | 0.4992% | 2,225 |
| Credit loss provision to net charge-offs | 36.3636% | 4,013 |
| Earnings coverage of net charge-offs (x) | 0.9818% | 3,922 |
| Efficiency ratio | 92.7711% | 1,113 |
| Assets per employee ($millions) | 2.9313% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 6,006 |
| Loan loss allowance to noncurrent loans | 124.7730% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8741% | 3,464 |
| Noncurrent loans to loans | 0.8895% | 5,269 |
| Net loans and leases to total assets | 63.5712% | 3,524 |
| Net loans and leases to deposits | 74.1484% | 3,736 |
| Net loans and leases to core deposits | 82.6575% | 3,360 |
| Total domestic deposits to total assets | 85.7351% | 3,676 |
| Equity capital to assets | 8.8089% | 5,476 |
| Core capital (leverage) ratio | 8.8561% | 4,842 |
| Tier 1 risk-based capital ratio | 13.4468% | 4,462 |
| Total risk-based capital ratio | 14.5425% | 4,566 |
| Memoranda: | ||
| Average total assets | $131,968,000 | 4,211 |
| Average earning assets | $117,350,500 | 4,270 |
| Average equity | $11,789,500 | 4,603 |
| Average total loans | $88,144,000 | 4,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2283% | 533 |
| Cost of funding earning assets | 1.8504% | 998 |
| Net interest margin | 4.3779% | 1,562 |
| Noninterest income to average assets | 1.0891% | 1,264 |
| Noninterest expense to average assets | 3.7500% | 1,591 |
| Loan and lease loss provision to assets | 0.5130% | 3,098 |
| Net operating income to assets | 0.5586% | 3,857 |
| Return on assets (ROA) | 0.5936% | 3,868 |
| Pretax return on assets | 0.7585% | 3,764 |
| Return on Equity (ROE) | 6.7586% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.2654% | 1,686 |
| Net charge-offs to loans | 0.5990% | 3,235 |
| Credit loss provision to net charge-offs | 124.7689% | 3,297 |
| Earnings coverage of net charge-offs (x) | 2.9834% | 3,580 |
| Efficiency ratio | 75.3513% | 3,141 |
| Assets per employee ($millions) | 2.8064% | 6,518 |
| Cash dividends to net income (ytd only)* | 7.2983% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,728 |
| Loan loss allowance to noncurrent loans | 72.7786% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 2,836 |
| Noncurrent loans to loans | 1.5825% | 4,126 |
| Net loans and leases to total assets | 68.6115% | 2,834 |
| Net loans and leases to deposits | 80.5116% | 3,072 |
| Net loans and leases to core deposits | 89.9046% | 2,781 |
| Total domestic deposits to total assets | 85.2194% | 3,743 |
| Equity capital to assets | 9.0639% | 5,054 |
| Core capital (leverage) ratio | 9.0148% | 4,524 |
| Tier 1 risk-based capital ratio | 13.2408% | 4,419 |
| Total risk-based capital ratio | 14.4010% | 4,444 |
| Memoranda: | ||
| Average total assets | $131,572,400 | 4,226 |
| Average earning assets | $116,837,800 | 4,295 |
| Average equity | $11,555,600 | 4,718 |
| Average total loans | $90,322,000 | 4,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2174% | 594 |
| Cost of funding earning assets | 1.8966% | 1,039 |
| Net interest margin | 4.3209% | 1,771 |
| Noninterest income to average assets | 1.0479% | 1,312 |
| Noninterest expense to average assets | 3.6270% | 1,724 |
| Loan and lease loss provision to assets | 0.4438% | 3,252 |
| Net operating income to assets | 0.6251% | 3,771 |
| Return on assets (ROA) | 0.6435% | 3,850 |
| Pretax return on assets | 0.8412% | 3,767 |
| Return on Equity (ROE) | 7.3846% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.3846% | 1,653 |
| Net charge-offs to loans | 0.5746% | 3,024 |
| Credit loss provision to net charge-offs | 112.8205% | 3,730 |
| Earnings coverage of net charge-offs (x) | 3.2051% | 3,541 |
| Efficiency ratio | 74.2055% | 3,285 |
| Assets per employee ($millions) | 3.0640% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 6,255 |
| Loan loss allowance to noncurrent loans | 44.3613% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.6770% | 2,695 |
| Noncurrent loans to loans | 2.3278% | 3,308 |
| Net loans and leases to total assets | 68.9606% | 2,998 |
| Net loans and leases to deposits | 81.4423% | 3,193 |
| Net loans and leases to core deposits | 91.3916% | 2,890 |
| Total domestic deposits to total assets | 84.6742% | 3,785 |
| Equity capital to assets | 9.0427% | 5,520 |
| Core capital (leverage) ratio | 8.9276% | 4,807 |
| Tier 1 risk-based capital ratio | 12.8303% | 4,708 |
| Total risk-based capital ratio | 13.8706% | 4,856 |
| Memoranda: | ||
| Average total assets | $132,191,750 | 4,273 |
| Average earning assets | $117,473,250 | 4,346 |
| Average equity | $11,519,250 | 4,800 |
| Average total loans | $90,501,000 | 4,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2439% | 572 |
| Cost of funding earning assets | 1.9416% | 1,070 |
| Net interest margin | 4.3023% | 1,771 |
| Noninterest income to average assets | 0.9884% | 1,411 |
| Noninterest expense to average assets | 3.5696% | 1,857 |
| Loan and lease loss provision to assets | 0.3627% | 3,533 |
| Net operating income to assets | 0.6585% | 3,590 |
| Return on assets (ROA) | 0.6710% | 3,673 |
| Pretax return on assets | 0.8901% | 3,536 |
| Return on Equity (ROE) | 7.7979% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.7979% | 1,511 |
| Net charge-offs to loans | 0.3175% | 3,736 |
| Credit loss provision to net charge-offs | 167.8322% | 2,339 |
| Earnings coverage of net charge-offs (x) | 5.7203% | 2,608 |
| Efficiency ratio | 74.2767% | 3,416 |
| Assets per employee ($millions) | 2.9224% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,925 |
| Loan loss allowance to noncurrent loans | 74.0327% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.0288% | 3,463 |
| Noncurrent loans to loans | 1.4900% | 4,471 |
| Net loans and leases to total assets | 67.8324% | 3,408 |
| Net loans and leases to deposits | 79.8434% | 3,620 |
| Net loans and leases to core deposits | 88.7144% | 3,450 |
| Total domestic deposits to total assets | 84.9568% | 3,655 |
| Equity capital to assets | 8.8497% | 5,668 |
| Core capital (leverage) ratio | 8.6314% | 5,188 |
| Tier 1 risk-based capital ratio | 12.7099% | 4,683 |
| Total risk-based capital ratio | 13.8099% | 4,783 |
| Memoranda: | ||
| Average total assets | $132,338,330 | 4,291 |
| Average earning assets | $117,426,670 | 4,388 |
| Average equity | $11,387,670 | 4,839 |
| Average total loans | $90,066,330 | 4,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1467% | 712 |
| Cost of funding earning assets | 1.9565% | 1,224 |
| Net interest margin | 4.1902% | 2,081 |
| Noninterest income to average assets | 0.9431% | 1,473 |
| Noninterest expense to average assets | 3.4349% | 2,139 |
| Loan and lease loss provision to assets | 0.3586% | 3,223 |
| Net operating income to assets | 0.6477% | 3,673 |
| Return on assets (ROA) | 0.6719% | 3,680 |
| Pretax return on assets | 0.9190% | 3,395 |
| Return on Equity (ROE) | 7.9201% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.9201% | 1,739 |
| Net charge-offs to loans | 0.1911% | 3,773 |
| Credit loss provision to net charge-offs | 276.7442% | 1,433 |
| Earnings coverage of net charge-offs (x) | 9.6047% | 1,830 |
| Efficiency ratio | 73.4063% | 3,689 |
| Assets per employee ($millions) | 3.0733% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 6,087 |
| Loan loss allowance to noncurrent loans | 75.9158% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4421% | 4,343 |
| Noncurrent loans to loans | 1.4278% | 4,592 |
| Net loans and leases to total assets | 65.7295% | 3,926 |
| Net loans and leases to deposits | 76.8809% | 4,241 |
| Net loans and leases to core deposits | 85.5441% | 3,970 |
| Total domestic deposits to total assets | 85.4952% | 3,419 |
| Equity capital to assets | 8.4290% | 6,111 |
| Core capital (leverage) ratio | 8.5030% | 5,367 |
| Tier 1 risk-based capital ratio | 11.7225% | 5,473 |
| Total risk-based capital ratio | 12.7351% | 5,675 |
| Memoranda: | ||
| Average total assets | $132,753,500 | 4,344 |
| Average earning assets | $118,372,000 | 4,416 |
| Average equity | $11,262,500 | 4,905 |
| Average total loans | $89,999,500 | 4,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7280% | 439 |
| Cost of funding earning assets | 2.3314% | 1,528 |
| Net interest margin | 4.3967% | 1,440 |
| Noninterest income to average assets | 0.9135% | 1,892 |
| Noninterest expense to average assets | 3.7211% | 1,860 |
| Loan and lease loss provision to assets | 0.3588% | 4,651 |
| Net operating income to assets | 0.6124% | 3,285 |
| Return on assets (ROA) | 0.6186% | 3,332 |
| Pretax return on assets | 0.7739% | 3,327 |
| Return on Equity (ROE) | 7.4364% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.9019% | 999 |
| Net charge-offs to loans | 0.4112% | 4,170 |
| Credit loss provision to net charge-offs | 124.3243% | 4,224 |
| Earnings coverage of net charge-offs (x) | 3.8973% | 3,149 |
| Efficiency ratio | 76.7869% | 3,391 |
| Assets per employee ($millions) | 3.0298% | 6,145 |
| Cash dividends to net income (ytd only)* | 7.1879% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,416 |
| Loan loss allowance to noncurrent loans | 59.9066% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 3,981 |
| Noncurrent loans to loans | 1.6629% | 4,152 |
| Net loans and leases to total assets | 68.5009% | 3,592 |
| Net loans and leases to deposits | 80.4263% | 3,903 |
| Net loans and leases to core deposits | 118.7590% | 2,058 |
| Total domestic deposits to total assets | 85.1723% | 3,470 |
| Equity capital to assets | 8.5406% | 5,825 |
| Core capital (leverage) ratio | 8.4291% | 5,388 |
| Tier 1 risk-based capital ratio | 12.2728% | 4,707 |
| Total risk-based capital ratio | 13.2698% | 4,882 |
| Memoranda: | ||
| Average total assets | $128,189,600 | 4,377 |
| Average earning assets | $114,654,400 | 4,432 |
| Average equity | $10,663,800 | 5,111 |
| Average total loans | $89,989,400 | 4,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7777% | 440 |
| Cost of funding earning assets | 2.4051% | 1,619 |
| Net interest margin | 4.3726% | 1,519 |
| Noninterest income to average assets | 1.0120% | 1,557 |
| Noninterest expense to average assets | 3.7326% | 1,745 |
| Loan and lease loss provision to assets | 0.3864% | 4,001 |
| Net operating income to assets | 0.6309% | 3,494 |
| Return on assets (ROA) | 0.6423% | 3,504 |
| Pretax return on assets | 0.8209% | 3,474 |
| Return on Equity (ROE) | 7.7738% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.7738% | 1,212 |
| Net charge-offs to loans | 0.5203% | 3,134 |
| Credit loss provision to net charge-offs | 105.4131% | 4,823 |
| Earnings coverage of net charge-offs (x) | 3.2536% | 3,611 |
| Efficiency ratio | 75.7846% | 3,549 |
| Assets per employee ($millions) | 3.1384% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,678 |
| Loan loss allowance to noncurrent loans | 57.6709% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 4,012 |
| Noncurrent loans to loans | 1.5934% | 4,244 |
| Net loans and leases to total assets | 67.6466% | 4,035 |
| Net loans and leases to deposits | 80.1292% | 4,359 |
| Net loans and leases to core deposits | 116.9710% | 2,527 |
| Total domestic deposits to total assets | 84.4219% | 3,520 |
| Equity capital to assets | 8.3581% | 6,432 |
| Core capital (leverage) ratio | 8.4925% | 5,511 |
| Tier 1 risk-based capital ratio | 12.1878% | 4,807 |
| Total risk-based capital ratio | 13.1098% | 5,037 |
| Memoranda: | ||
| Average total assets | $127,666,250 | 4,412 |
| Average earning assets | $114,254,000 | 4,469 |
| Average equity | $10,548,000 | 5,177 |
| Average total loans | $89,951,000 | 4,248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9006% | 381 |
| Cost of funding earning assets | 2.4884% | 1,654 |
| Net interest margin | 4.4122% | 1,385 |
| Noninterest income to average assets | 1.0421% | 1,457 |
| Noninterest expense to average assets | 3.6869% | 1,865 |
| Loan and lease loss provision to assets | 0.4434% | 3,325 |
| Net operating income to assets | 0.6541% | 3,450 |
| Return on assets (ROA) | 0.6541% | 3,559 |
| Pretax return on assets | 0.8600% | 3,473 |
| Return on Equity (ROE) | 7.9487% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.9487% | 1,229 |
| Net charge-offs to loans | 0.5315% | 2,733 |
| Credit loss provision to net charge-offs | 117.1548% | 3,968 |
| Earnings coverage of net charge-offs (x) | 3.4435% | 3,435 |
| Efficiency ratio | 73.8813% | 4,053 |
| Assets per employee ($millions) | 3.0785% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,589 |
| Loan loss allowance to noncurrent loans | 79.4200% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 4,363 |
| Noncurrent loans to loans | 1.1870% | 4,845 |
| Net loans and leases to total assets | 68.9977% | 3,948 |
| Net loans and leases to deposits | 81.0186% | 4,388 |
| Net loans and leases to core deposits | 115.6660% | 2,745 |
| Total domestic deposits to total assets | 85.1628% | 3,183 |
| Equity capital to assets | 8.2616% | 6,399 |
| Core capital (leverage) ratio | 8.2654% | 5,862 |
| Tier 1 risk-based capital ratio | 11.8035% | 5,096 |
| Total risk-based capital ratio | 12.7375% | 5,310 |
| Memoranda: | ||
| Average total assets | $126,284,000 | 4,468 |
| Average earning assets | $113,005,000 | 4,538 |
| Average equity | $10,391,670 | 5,253 |
| Average total loans | $89,936,670 | 4,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9724% | 361 |
| Cost of funding earning assets | 2.5012% | 1,914 |
| Net interest margin | 4.4712% | 1,191 |
| Noninterest income to average assets | 1.0483% | 1,355 |
| Noninterest expense to average assets | 3.7090% | 1,638 |
| Loan and lease loss provision to assets | 0.5450% | 2,293 |
| Net operating income to assets | 0.6315% | 3,877 |
| Return on assets (ROA) | 0.6315% | 4,057 |
| Pretax return on assets | 0.7886% | 4,118 |
| Return on Equity (ROE) | 7.6904% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6904% | 1,934 |
| Net charge-offs to loans | 0.6097% | 1,955 |
| Credit loss provision to net charge-offs | 124.0876% | 3,199 |
| Earnings coverage of net charge-offs (x) | 3.0365% | 3,296 |
| Efficiency ratio | 73.5537% | 3,907 |
| Assets per employee ($millions) | 3.0505% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,567 |
| Loan loss allowance to noncurrent loans | 73.5783% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 3,945 |
| Noncurrent loans to loans | 1.2740% | 4,436 |
| Net loans and leases to total assets | 69.3659% | 3,829 |
| Net loans and leases to deposits | 81.3297% | 4,401 |
| Net loans and leases to core deposits | 116.4936% | 2,744 |
| Total domestic deposits to total assets | 85.2898% | 3,068 |
| Equity capital to assets | 8.1141% | 6,657 |
| Core capital (leverage) ratio | 8.3797% | 5,759 |
| Tier 1 risk-based capital ratio | 11.6864% | 5,220 |
| Total risk-based capital ratio | 12.6212% | 5,436 |
| Memoranda: | ||
| Average total assets | $124,777,500 | 4,523 |
| Average earning assets | $111,468,500 | 4,597 |
| Average equity | $10,246,500 | 5,307 |
| Average total loans | $89,874,500 | 4,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8137% | 244 |
| Cost of funding earning assets | 3.0857% | 1,554 |
| Net interest margin | 4.7280% | 921 |
| Noninterest income to average assets | 1.0778% | 1,358 |
| Noninterest expense to average assets | 3.8484% | 1,664 |
| Loan and lease loss provision to assets | 0.2861% | 4,094 |
| Net operating income to assets | 0.8805% | 3,091 |
| Return on assets (ROA) | 0.8805% | 2,935 |
| Pretax return on assets | 1.1453% | 2,853 |
| Return on Equity (ROE) | 10.6155% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.0286% | 447 |
| Net charge-offs to loans | 0.2808% | 3,526 |
| Credit loss provision to net charge-offs | 139.5833% | 3,802 |
| Earnings coverage of net charge-offs (x) | 6.9833% | 3,222 |
| Efficiency ratio | 72.8890% | 3,772 |
| Assets per employee ($millions) | 2.8240% | 6,507 |
| Cash dividends to net income (ytd only)* | 5.5286% | 4,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 6,689 |
| Loan loss allowance to noncurrent loans | 63.1744% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,188 |
| Noncurrent loans to loans | 1.4206% | 3,677 |
| Net loans and leases to total assets | 73.4784% | 3,234 |
| Net loans and leases to deposits | 86.9049% | 3,970 |
| Net loans and leases to core deposits | 123.0683% | 2,393 |
| Total domestic deposits to total assets | 84.5503% | 3,048 |
| Equity capital to assets | 8.3149% | 6,401 |
| Core capital (leverage) ratio | 8.4267% | 5,700 |
| Tier 1 risk-based capital ratio | 11.4906% | 5,245 |
| Total risk-based capital ratio | 12.3906% | 5,486 |
| Memoranda: | ||
| Average total assets | $117,088,600 | 4,585 |
| Average earning assets | $104,061,400 | 4,680 |
| Average equity | $9,712,200 | 5,505 |
| Average total loans | $85,456,600 | 4,346 |