Home > Miami Savings Bank > Performance and Condition Ratios
Miami Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 3,150 |
| Cost of funding earning assets | 1.4040% | 3,404 |
| Net interest margin | 3.5731% | 2,130 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.4540% | 2,444 |
| Loan and lease loss provision to assets | 0.5500% | 167 |
| Net operating income to assets | 0.4070% | 3,720 |
| Return on assets (ROA) | 0.4070% | 3,746 |
| Pretax return on assets | 0.4896% | 3,727 |
| Return on Equity (ROE) | 1.9800% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.9818% | 3,322 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.2703% | 1,778 |
| Assets per employee ($millions) | 5.8277% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,381 |
| Loan loss allowance to noncurrent loans | 232.4185% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 1,628 |
| Noncurrent loans to loans | 0.5923% | 1,663 |
| Net loans and leases to total assets | 72.4300% | 1,537 |
| Net loans and leases to deposits | 92.8061% | 853 |
| Net loans and leases to core deposits | 107.7483% | 949 |
| Total domestic deposits to total assets | 78.0400% | 3,813 |
| Equity capital to assets | 20.8314% | 262 |
| Core capital (leverage) ratio | 20.9302% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $135,617,500 | 3,494 |
| Average earning assets | $127,061,500 | 3,478 |
| Average equity | $27,853,000 | 2,543 |
| Average total loans | $97,493,500 | 3,240 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 2,864 |
| Cost of funding earning assets | 1.4533% | 3,440 |
| Net interest margin | 3.6835% | 1,721 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.7553% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7105% | 2,946 |
| Return on assets (ROA) | 0.7105% | 2,974 |
| Pretax return on assets | 0.8686% | 2,890 |
| Return on Equity (ROE) | 3.5400% | 3,776 |
| Retained earnings to average equity (ytd only) | 3.5439% | 2,812 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.9684% | 1,375 |
| Assets per employee ($millions) | 5.7165% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,105 |
| Loan loss allowance to noncurrent loans | 112.6204% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 980 |
| Noncurrent loans to loans | 1.0750% | 941 |
| Net loans and leases to total assets | 69.5200% | 1,965 |
| Net loans and leases to deposits | 88.4439% | 1,356 |
| Net loans and leases to core deposits | 102.0302% | 1,332 |
| Total domestic deposits to total assets | 78.6100% | 3,708 |
| Equity capital to assets | 20.2512% | 268 |
| Core capital (leverage) ratio | 20.4640% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $135,958,400 | 3,488 |
| Average earning assets | $127,297,200 | 3,465 |
| Average equity | $27,258,200 | 2,505 |
| Average total loans | $101,882,800 | 3,196 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 2,767 |
| Cost of funding earning assets | 1.4444% | 3,453 |
| Net interest margin | 3.7049% | 1,631 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.8141% | 1,431 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.6979% | 2,985 |
| Return on assets (ROA) | 0.6979% | 3,012 |
| Pretax return on assets | 0.8522% | 2,920 |
| Return on Equity (ROE) | 3.4900% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.4897% | 3,018 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.0659% | 1,306 |
| Assets per employee ($millions) | 5.2009% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,498 |
| Loan loss allowance to noncurrent loans | 202.8219% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 1,610 |
| Noncurrent loans to loans | 0.5652% | 1,675 |
| Net loans and leases to total assets | 73.3300% | 1,456 |
| Net loans and leases to deposits | 93.5305% | 898 |
| Net loans and leases to core deposits | 109.3744% | 967 |
| Total domestic deposits to total assets | 78.4000% | 3,680 |
| Equity capital to assets | 20.3573% | 264 |
| Core capital (leverage) ratio | 20.3733% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $135,648,750 | 3,492 |
| Average earning assets | $126,926,500 | 3,476 |
| Average equity | $27,126,750 | 2,511 |
| Average total loans | $103,215,000 | 3,182 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 2,764 |
| Cost of funding earning assets | 1.4047% | 3,463 |
| Net interest margin | 3.6929% | 1,608 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 3.0253% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4448% | 3,573 |
| Return on assets (ROA) | 0.4448% | 3,608 |
| Pretax return on assets | 0.5376% | 3,566 |
| Return on Equity (ROE) | 2.2400% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.2376% | 3,271 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.9111% | 802 |
| Assets per employee ($millions) | 5.3749% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,737 |
| Loan loss allowance to noncurrent loans | 1,325.2874% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,220 |
| Noncurrent loans to loans | 0.0837% | 3,240 |
| Net loans and leases to total assets | 76.4800% | 1,121 |
| Net loans and leases to deposits | 97.2397% | 705 |
| Net loans and leases to core deposits | 113.6988% | 836 |
| Total domestic deposits to total assets | 78.6500% | 3,629 |
| Equity capital to assets | 20.1835% | 272 |
| Core capital (leverage) ratio | 19.7140% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $135,790,333 | 3,499 |
| Average earning assets | $126,999,667 | 3,474 |
| Average equity | $26,993,000 | 2,485 |
| Average total loans | $104,183,000 | 3,171 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 2,948 |
| Cost of funding earning assets | 1.3227% | 3,523 |
| Net interest margin | 3.5952% | 1,743 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.6637% | 1,783 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.6535% | 3,001 |
| Return on assets (ROA) | 0.6535% | 3,029 |
| Pretax return on assets | 0.8029% | 2,915 |
| Return on Equity (ROE) | 3.3100% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.3124% | 2,896 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 75.6240% | 1,582 |
| Assets per employee ($millions) | 5.6418% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,711 |
| Loan loss allowance to noncurrent loans | 182.6833% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 1,330 |
| Noncurrent loans to loans | 0.6134% | 1,423 |
| Net loans and leases to total assets | 76.3100% | 1,031 |
| Net loans and leases to deposits | 96.4742% | 681 |
| Net loans and leases to core deposits | 112.6926% | 851 |
| Total domestic deposits to total assets | 79.0900% | 3,659 |
| Equity capital to assets | 19.9709% | 285 |
| Core capital (leverage) ratio | 19.6559% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $136,499,500 | 3,506 |
| Average earning assets | $127,613,000 | 3,484 |
| Average equity | $26,929,000 | 2,496 |
| Average total loans | $104,317,500 | 3,171 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 2,709 |
| Cost of funding earning assets | 0.6910% | 3,943 |
| Net interest margin | 3.9975% | 1,213 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3052% | 2,841 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.4438% | 1,128 |
| Return on assets (ROA) | 1.4438% | 1,099 |
| Pretax return on assets | 1.8022% | 885 |
| Return on Equity (ROE) | 7.7300% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7268% | 1,617 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4602% | 3,448 |
| Assets per employee ($millions) | 5.7332% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 2,832 |
| Loan loss allowance to noncurrent loans | 1,509.2105% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,217 |
| Noncurrent loans to loans | 0.0730% | 3,193 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 94.1962% | 924 |
| Net loans and leases to core deposits | 108.2959% | 1,025 |
| Total domestic deposits to total assets | 79.4700% | 3,546 |
| Equity capital to assets | 19.4895% | 297 |
| Core capital (leverage) ratio | 19.4931% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $138,385,400 | 3,477 |
| Average earning assets | $129,082,000 | 3,455 |
| Average equity | $25,858,200 | 2,471 |
| Average total loans | $99,115,200 | 3,186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 2,671 |
| Cost of funding earning assets | 0.5696% | 4,028 |
| Net interest margin | 4.0333% | 1,171 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2946% | 2,810 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.5086% | 1,100 |
| Return on assets (ROA) | 1.5086% | 1,092 |
| Pretax return on assets | 1.8848% | 881 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.1606% | 1,902 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.0554% | 3,483 |
| Assets per employee ($millions) | 5.7351% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,404.8193% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,216 |
| Noncurrent loans to loans | 0.0810% | 3,183 |
| Net loans and leases to total assets | 73.6100% | 1,386 |
| Net loans and leases to deposits | 92.2705% | 1,028 |
| Net loans and leases to core deposits | 103.7975% | 1,130 |
| Total domestic deposits to total assets | 79.7800% | 3,563 |
| Equity capital to assets | 19.1715% | 307 |
| Core capital (leverage) ratio | 19.2484% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $138,582,500 | 3,479 |
| Average earning assets | $129,220,750 | 3,461 |
| Average equity | $25,618,500 | 2,473 |
| Average total loans | $97,858,000 | 3,201 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 2,599 |
| Cost of funding earning assets | 0.4400% | 4,099 |
| Net interest margin | 4.0789% | 1,115 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2512% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6016% | 944 |
| Return on assets (ROA) | 1.6016% | 946 |
| Pretax return on assets | 2.0020% | 749 |
| Return on Equity (ROE) | 8.7700% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.7690% | 1,743 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.9292% | 3,705 |
| Assets per employee ($millions) | 5.7221% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,450 |
| Loan loss allowance to noncurrent loans | 1,305.4348% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,097 |
| Noncurrent loans to loans | 0.0919% | 3,044 |
| Net loans and leases to total assets | 72.0500% | 1,525 |
| Net loans and leases to deposits | 89.8382% | 1,202 |
| Net loans and leases to core deposits | 100.5886% | 1,204 |
| Total domestic deposits to total assets | 80.2000% | 3,543 |
| Equity capital to assets | 18.8814% | 309 |
| Core capital (leverage) ratio | 18.9631% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $138,858,333 | 3,486 |
| Average earning assets | $129,543,667 | 3,466 |
| Average equity | $25,362,000 | 2,503 |
| Average total loans | $96,313,667 | 3,216 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,509 |
| Cost of funding earning assets | 0.2888% | 4,224 |
| Net interest margin | 4.1291% | 1,057 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.1658% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4897% | 1,207 |
| Return on assets (ROA) | 1.4897% | 1,186 |
| Pretax return on assets | 1.8593% | 974 |
| Return on Equity (ROE) | 8.2900% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.2941% | 2,141 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8078% | 3,621 |
| Assets per employee ($millions) | 6.6676% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,258 |
| Loan loss allowance to noncurrent loans | 1,277.6596% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,129 |
| Noncurrent loans to loans | 0.0983% | 3,052 |
| Net loans and leases to total assets | 67.4500% | 1,904 |
| Net loans and leases to deposits | 83.2900% | 1,549 |
| Net loans and leases to core deposits | 93.4041% | 1,428 |
| Total domestic deposits to total assets | 80.9800% | 3,643 |
| Equity capital to assets | 18.0961% | 296 |
| Core capital (leverage) ratio | 18.2818% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $139,622,000 | 3,522 |
| Average earning assets | $130,198,500 | 3,501 |
| Average equity | $25,078,000 | 2,543 |
| Average total loans | $94,397,000 | 3,274 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2542% | 3,700 |
| Cost of funding earning assets | 0.2359% | 3,451 |
| Net interest margin | 3.0182% | 3,404 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1829% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8259% | 3,233 |
| Return on assets (ROA) | 0.8259% | 3,167 |
| Pretax return on assets | 1.0203% | 3,018 |
| Return on Equity (ROE) | 4.9900% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.9869% | 3,062 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.1467% | 1,945 |
| Assets per employee ($millions) | 6.0533% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 1,953 |
| Loan loss allowance to noncurrent loans | 1,062.8319% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 2,989 |
| Noncurrent loans to loans | 0.1213% | 2,914 |
| Net loans and leases to total assets | 66.0500% | 2,039 |
| Net loans and leases to deposits | 81.2555% | 1,673 |
| Net loans and leases to core deposits | 87.6226% | 1,639 |
| Total domestic deposits to total assets | 81.2800% | 3,725 |
| Equity capital to assets | 17.8258% | 303 |
| Core capital (leverage) ratio | 17.2797% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,540,800 | 3,485 |
| Average earning assets | $136,471,000 | 3,454 |
| Average equity | $24,103,200 | 2,629 |
| Average total loans | $90,270,800 | 3,288 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9493% | 3,984 |
| Cost of funding earning assets | 0.2486% | 2,726 |
| Net interest margin | 2.7007% | 3,924 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.1034% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6860% | 3,601 |
| Return on assets (ROA) | 0.6860% | 3,562 |
| Pretax return on assets | 0.8428% | 3,487 |
| Return on Equity (ROE) | 4.2200% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,370 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.3934% | 1,604 |
| Assets per employee ($millions) | 6.1852% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,925 |
| Loan loss allowance to noncurrent loans | 649.1892% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,735 |
| Noncurrent loans to loans | 0.2038% | 2,583 |
| Net loans and leases to total assets | 60.3500% | 2,465 |
| Net loans and leases to deposits | 72.9597% | 2,130 |
| Net loans and leases to core deposits | 78.2019% | 2,022 |
| Total domestic deposits to total assets | 82.7200% | 3,726 |
| Equity capital to assets | 16.4182% | 351 |
| Core capital (leverage) ratio | 16.4566% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $147,119,750 | 3,497 |
| Average earning assets | $137,837,500 | 3,464 |
| Average equity | $23,924,500 | 2,692 |
| Average total loans | $89,550,250 | 3,304 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7237% | 4,106 |
| Cost of funding earning assets | 0.2648% | 2,095 |
| Net interest margin | 2.4589% | 4,151 |
| Noninterest income to average assets | 0.4486% | 2,461 |
| Noninterest expense to average assets | 2.1176% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5222% | 3,839 |
| Return on assets (ROA) | 0.5222% | 3,791 |
| Pretax return on assets | 0.6354% | 3,738 |
| Return on Equity (ROE) | 3.2218% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.2218% | 3,379 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9193% | 1,181 |
| Assets per employee ($millions) | 6.7834% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,049 |
| Loan loss allowance to noncurrent loans | 415.5709% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,373 |
| Noncurrent loans to loans | 0.3200% | 2,198 |
| Net loans and leases to total assets | 59.7036% | 2,359 |
| Net loans and leases to deposits | 71.8805% | 2,040 |
| Net loans and leases to core deposits | 78.6675% | 1,806 |
| Total domestic deposits to total assets | 83.0595% | 3,866 |
| Equity capital to assets | 16.0808% | 332 |
| Core capital (leverage) ratio | 16.4019% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,678,000 | 3,536 |
| Average earning assets | $137,459,000 | 3,519 |
| Average equity | $23,775,333 | 2,758 |
| Average total loans | $89,138,333 | 3,336 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5452% | 4,207 |
| Cost of funding earning assets | 0.2776% | 1,849 |
| Net interest margin | 2.2676% | 4,278 |
| Noninterest income to average assets | 0.2558% | 3,612 |
| Noninterest expense to average assets | 2.0743% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2669% | 4,207 |
| Return on assets (ROA) | 0.2669% | 4,175 |
| Pretax return on assets | 0.3164% | 4,163 |
| Return on Equity (ROE) | 1.6396% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.6396% | 3,646 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7664% | 689 |
| Assets per employee ($millions) | 6.3520% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,101 |
| Loan loss allowance to noncurrent loans | 366.1585% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,303 |
| Noncurrent loans to loans | 0.3697% | 2,161 |
| Net loans and leases to total assets | 59.9034% | 2,079 |
| Net loans and leases to deposits | 72.2338% | 1,759 |
| Net loans and leases to core deposits | 79.5269% | 1,518 |
| Total domestic deposits to total assets | 82.9298% | 3,952 |
| Equity capital to assets | 16.2310% | 303 |
| Core capital (leverage) ratio | 16.4401% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,400,000 | 3,561 |
| Average earning assets | $136,887,500 | 3,536 |
| Average equity | $23,664,000 | 2,858 |
| Average total loans | $88,558,000 | 3,347 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5737% | 4,429 |
| Cost of funding earning assets | 0.4150% | 1,440 |
| Net interest margin | 2.1588% | 4,509 |
| Noninterest income to average assets | 0.4669% | 2,744 |
| Noninterest expense to average assets | 1.8702% | 3,997 |
| Loan and lease loss provision to assets | -0.1203% | 4,577 |
| Net operating income to assets | 0.5982% | 3,881 |
| Return on assets (ROA) | 0.5982% | 3,923 |
| Pretax return on assets | 0.7343% | 3,862 |
| Return on Equity (ROE) | 3.7541% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.7541% | 3,316 |
| Net charge-offs to loans | -0.2160% | 4,714 |
| Credit loss provision to net charge-offs | 93.5829% | 1,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2837% | 1,175 |
| Assets per employee ($millions) | 6.5774% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 2,097 |
| Loan loss allowance to noncurrent loans | 282.5882% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 2,072 |
| Noncurrent loans to loans | 0.4808% | 1,928 |
| Net loans and leases to total assets | 60.2593% | 2,136 |
| Net loans and leases to deposits | 72.7351% | 1,834 |
| Net loans and leases to core deposits | 79.9298% | 1,604 |
| Total domestic deposits to total assets | 82.8476% | 3,839 |
| Equity capital to assets | 16.3196% | 347 |
| Core capital (leverage) ratio | 16.0874% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,438,600 | 3,529 |
| Average earning assets | $135,911,200 | 3,523 |
| Average equity | $23,174,600 | 2,967 |
| Average total loans | $86,564,000 | 3,384 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5634% | 4,524 |
| Cost of funding earning assets | 0.4377% | 1,438 |
| Net interest margin | 2.1257% | 4,613 |
| Noninterest income to average assets | 0.5301% | 2,495 |
| Noninterest expense to average assets | 1.8513% | 4,052 |
| Loan and lease loss provision to assets | -0.1600% | 4,698 |
| Net operating income to assets | 0.6675% | 3,845 |
| Return on assets (ROA) | 0.6675% | 3,905 |
| Pretax return on assets | 0.8222% | 3,848 |
| Return on Equity (ROE) | 4.2142% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.2142% | 3,507 |
| Net charge-offs to loans | -0.2896% | 4,802 |
| Credit loss provision to net charge-offs | 93.5829% | 1,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6612% | 1,246 |
| Assets per employee ($millions) | 6.6526% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,093 |
| Loan loss allowance to noncurrent loans | 232.7519% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 2,022 |
| Noncurrent loans to loans | 0.5944% | 1,825 |
| Net loans and leases to total assets | 58.4953% | 2,427 |
| Net loans and leases to deposits | 70.3815% | 2,197 |
| Net loans and leases to core deposits | 77.5956% | 1,919 |
| Total domestic deposits to total assets | 83.1118% | 3,676 |
| Equity capital to assets | 16.0395% | 413 |
| Core capital (leverage) ratio | 16.0185% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,622,500 | 3,563 |
| Average earning assets | $135,855,500 | 3,557 |
| Average equity | $23,064,500 | 3,014 |
| Average total loans | $86,105,500 | 3,434 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4999% | 4,617 |
| Cost of funding earning assets | 0.4555% | 1,483 |
| Net interest margin | 2.0445% | 4,686 |
| Noninterest income to average assets | 0.5833% | 2,285 |
| Noninterest expense to average assets | 1.8146% | 4,155 |
| Loan and lease loss provision to assets | 0.0041% | 2,802 |
| Net operating income to assets | 0.5517% | 4,105 |
| Return on assets (ROA) | 0.5517% | 4,151 |
| Pretax return on assets | 0.6727% | 4,117 |
| Return on Equity (ROE) | 3.4980% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.4980% | 3,690 |
| Net charge-offs to loans | -0.0163% | 3,898 |
| Credit loss provision to net charge-offs | -42.8571% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8327% | 1,350 |
| Assets per employee ($millions) | 6.5593% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,011 |
| Loan loss allowance to noncurrent loans | 224.1121% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 2,121 |
| Noncurrent loans to loans | 0.6213% | 1,851 |
| Net loans and leases to total assets | 58.8379% | 2,563 |
| Net loans and leases to deposits | 70.8028% | 2,329 |
| Net loans and leases to core deposits | 78.0709% | 2,040 |
| Total domestic deposits to total assets | 83.1011% | 3,683 |
| Equity capital to assets | 16.0403% | 409 |
| Core capital (leverage) ratio | 15.7547% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,377,667 | 3,573 |
| Average earning assets | $135,684,333 | 3,563 |
| Average equity | $22,927,667 | 3,017 |
| Average total loans | $85,869,667 | 3,459 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4583% | 4,676 |
| Cost of funding earning assets | 0.4716% | 1,583 |
| Net interest margin | 1.9867% | 4,741 |
| Noninterest income to average assets | 0.4468% | 2,842 |
| Noninterest expense to average assets | 1.8093% | 4,197 |
| Loan and lease loss provision to assets | 0.0082% | 2,664 |
| Net operating income to assets | 0.3948% | 4,366 |
| Return on assets (ROA) | 0.3948% | 4,393 |
| Pretax return on assets | 0.4770% | 4,384 |
| Return on Equity (ROE) | 2.5243% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.5243% | 3,907 |
| Net charge-offs to loans | -0.0140% | 3,827 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8530% | 906 |
| Assets per employee ($millions) | 6.7432% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,870 |
| Loan loss allowance to noncurrent loans | 210.0176% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,265 |
| Noncurrent loans to loans | 0.6770% | 1,893 |
| Net loans and leases to total assets | 55.8459% | 3,060 |
| Net loans and leases to deposits | 66.6887% | 2,839 |
| Net loans and leases to core deposits | 74.2153% | 2,496 |
| Total domestic deposits to total assets | 83.7413% | 3,510 |
| Equity capital to assets | 15.4296% | 449 |
| Core capital (leverage) ratio | 15.7561% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,914,000 | 3,567 |
| Average earning assets | $135,703,000 | 3,566 |
| Average equity | $22,818,000 | 3,011 |
| Average total loans | $85,752,000 | 3,473 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 3,917 |
| Cost of funding earning assets | 0.6806% | 1,818 |
| Net interest margin | 2.8718% | 4,162 |
| Noninterest income to average assets | 0.5698% | 2,336 |
| Noninterest expense to average assets | 2.0734% | 3,990 |
| Loan and lease loss provision to assets | 0.0155% | 4,183 |
| Net operating income to assets | 0.9273% | 2,578 |
| Return on assets (ROA) | 0.9345% | 2,691 |
| Pretax return on assets | 1.1559% | 2,492 |
| Return on Equity (ROE) | 5.7235% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.7235% | 1,946 |
| Net charge-offs to loans | -0.0182% | 4,398 |
| Credit loss provision to net charge-offs | -123.5294% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0739% | 2,808 |
| Assets per employee ($millions) | 6.8322% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,153 |
| Loan loss allowance to noncurrent loans | 226.4762% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 2,516 |
| Noncurrent loans to loans | 0.6003% | 2,192 |
| Net loans and leases to total assets | 60.1295% | 2,850 |
| Net loans and leases to deposits | 72.1833% | 2,664 |
| Net loans and leases to core deposits | 80.5046% | 2,317 |
| Total domestic deposits to total assets | 83.3012% | 3,328 |
| Equity capital to assets | 15.8534% | 444 |
| Core capital (leverage) ratio | 16.3801% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,480,400 | 3,562 |
| Average earning assets | $125,773,200 | 3,559 |
| Average equity | $22,119,400 | 2,995 |
| Average total loans | $93,418,800 | 3,353 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 3,924 |
| Cost of funding earning assets | 0.7222% | 1,888 |
| Net interest margin | 2.9210% | 4,142 |
| Noninterest income to average assets | 0.5843% | 2,232 |
| Noninterest expense to average assets | 2.1266% | 3,880 |
| Loan and lease loss provision to assets | 0.0180% | 4,106 |
| Net operating income to assets | 0.9278% | 2,605 |
| Return on assets (ROA) | 0.9359% | 2,709 |
| Pretax return on assets | 1.1567% | 2,542 |
| Return on Equity (ROE) | 5.6883% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,246 |
| Net charge-offs to loans | -0.0197% | 4,420 |
| Credit loss provision to net charge-offs | -128.5714% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6131% | 2,644 |
| Assets per employee ($millions) | 6.2891% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,027 |
| Loan loss allowance to noncurrent loans | 235.1889% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 2,692 |
| Noncurrent loans to loans | 0.5665% | 2,381 |
| Net loans and leases to total assets | 63.3191% | 2,846 |
| Net loans and leases to deposits | 76.3570% | 2,711 |
| Net loans and leases to core deposits | 85.3232% | 2,360 |
| Total domestic deposits to total assets | 82.9251% | 3,161 |
| Equity capital to assets | 16.2018% | 445 |
| Core capital (leverage) ratio | 16.2078% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,481,250 | 3,572 |
| Average earning assets | $123,697,000 | 3,568 |
| Average equity | $21,962,750 | 3,001 |
| Average total loans | $94,908,250 | 3,329 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,123 |
| Cost of funding earning assets | 0.7556% | 2,079 |
| Net interest margin | 2.9251% | 4,267 |
| Noninterest income to average assets | 0.6340% | 2,000 |
| Noninterest expense to average assets | 2.1918% | 3,808 |
| Loan and lease loss provision to assets | 0.0167% | 4,024 |
| Net operating income to assets | 0.9374% | 2,551 |
| Return on assets (ROA) | 0.9374% | 2,680 |
| Pretax return on assets | 1.1619% | 2,490 |
| Return on Equity (ROE) | 5.6668% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.6668% | 2,205 |
| Net charge-offs to loans | -0.0227% | 4,447 |
| Credit loss provision to net charge-offs | -100.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0315% | 2,658 |
| Assets per employee ($millions) | 6.0278% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,347 |
| Loan loss allowance to noncurrent loans | 171.2409% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 2,355 |
| Noncurrent loans to loans | 0.7190% | 2,079 |
| Net loans and leases to total assets | 67.8679% | 2,377 |
| Net loans and leases to deposits | 81.5673% | 2,251 |
| Net loans and leases to core deposits | 91.1453% | 1,975 |
| Total domestic deposits to total assets | 83.2047% | 3,030 |
| Equity capital to assets | 15.9391% | 478 |
| Core capital (leverage) ratio | 16.3228% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,854,667 | 3,579 |
| Average earning assets | $123,344,333 | 3,562 |
| Average equity | $21,811,333 | 3,004 |
| Average total loans | $96,947,000 | 3,285 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,628 |
| Cost of funding earning assets | 0.8206% | 2,276 |
| Net interest margin | 3.2394% | 3,754 |
| Noninterest income to average assets | 0.6165% | 1,966 |
| Noninterest expense to average assets | 2.2045% | 3,997 |
| Loan and lease loss provision to assets | 0.0031% | 3,698 |
| Net operating income to assets | 1.1708% | 1,617 |
| Return on assets (ROA) | 1.1708% | 1,733 |
| Pretax return on assets | 1.4572% | 1,420 |
| Return on Equity (ROE) | 6.9411% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.9411% | 1,560 |
| Net charge-offs to loans | -0.0327% | 4,497 |
| Credit loss provision to net charge-offs | -12.5000% | 3,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1529% | 3,719 |
| Assets per employee ($millions) | 5.5394% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,645 |
| Loan loss allowance to noncurrent loans | 139.7590% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,046 |
| Noncurrent loans to loans | 0.8622% | 1,891 |
| Net loans and leases to total assets | 74.6466% | 1,511 |
| Net loans and leases to deposits | 91.1526% | 1,386 |
| Net loans and leases to core deposits | 103.7268% | 1,207 |
| Total domestic deposits to total assets | 81.8919% | 3,449 |
| Equity capital to assets | 17.1545% | 424 |
| Core capital (leverage) ratio | 17.1527% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,462,000 | 3,600 |
| Average earning assets | $120,885,500 | 3,569 |
| Average equity | $21,668,000 | 3,017 |
| Average total loans | $97,788,000 | 3,252 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 3,363 |
| Cost of funding earning assets | 0.8222% | 2,578 |
| Net interest margin | 3.5393% | 3,317 |
| Noninterest income to average assets | 0.2722% | 4,047 |
| Noninterest expense to average assets | 2.1993% | 4,160 |
| Loan and lease loss provision to assets | 0.0047% | 3,911 |
| Net operating income to assets | 1.1194% | 2,370 |
| Return on assets (ROA) | 1.1194% | 2,468 |
| Pretax return on assets | 1.3892% | 2,199 |
| Return on Equity (ROE) | 6.8358% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.8358% | 1,462 |
| Net charge-offs to loans | 0.0422% | 2,548 |
| Credit loss provision to net charge-offs | 14.6341% | 3,339 |
| Earnings coverage of net charge-offs (x) | 43.0976% | 1,244 |
| Efficiency ratio | 61.2075% | 3,505 |
| Assets per employee ($millions) | 5.6312% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,646 |
| Loan loss allowance to noncurrent loans | 136.0520% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 1,434 |
| Noncurrent loans to loans | 0.8519% | 1,808 |
| Net loans and leases to total assets | 75.7893% | 1,451 |
| Net loans and leases to deposits | 91.9161% | 1,377 |
| Net loans and leases to core deposits | 105.8648% | 1,113 |
| Total domestic deposits to total assets | 82.4548% | 3,378 |
| Equity capital to assets | 16.5847% | 517 |
| Core capital (leverage) ratio | 16.6085% | 458 |
| Tier 1 risk-based capital ratio | 26.8155% | 630 |
| Total risk-based capital ratio | 28.0676% | 613 |
| Memoranda: | ||
| Average total assets | $126,765,200 | 3,605 |
| Average earning assets | $118,950,400 | 3,575 |
| Average equity | $20,758,400 | 3,058 |
| Average total loans | $97,160,200 | 3,265 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 3,461 |
| Cost of funding earning assets | 0.8133% | 2,639 |
| Net interest margin | 3.5520% | 3,399 |
| Noninterest income to average assets | 0.2898% | 4,001 |
| Noninterest expense to average assets | 2.2261% | 4,135 |
| Loan and lease loss provision to assets | 0.0053% | 3,770 |
| Net operating income to assets | 1.1157% | 2,512 |
| Return on assets (ROA) | 1.1157% | 2,600 |
| Pretax return on assets | 1.3885% | 2,353 |
| Return on Equity (ROE) | 6.8356% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.8356% | 1,934 |
| Net charge-offs to loans | -0.0124% | 4,444 |
| Credit loss provision to net charge-offs | -55.5556% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4958% | 3,405 |
| Assets per employee ($millions) | 6.1180% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,518 |
| Loan loss allowance to noncurrent loans | 84.4961% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 1,187 |
| Noncurrent loans to loans | 1.4180% | 1,072 |
| Net loans and leases to total assets | 76.9527% | 1,331 |
| Net loans and leases to deposits | 93.3554% | 1,284 |
| Net loans and leases to core deposits | 107.7627% | 1,069 |
| Total domestic deposits to total assets | 82.4298% | 3,342 |
| Equity capital to assets | 16.4354% | 566 |
| Core capital (leverage) ratio | 16.7152% | 472 |
| Tier 1 risk-based capital ratio | 26.3006% | 687 |
| Total risk-based capital ratio | 27.5537% | 673 |
| Memoranda: | ||
| Average total assets | $126,077,250 | 3,650 |
| Average earning assets | $118,201,250 | 3,621 |
| Average equity | $20,578,000 | 3,100 |
| Average total loans | $96,622,500 | 3,312 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 3,408 |
| Cost of funding earning assets | 0.7943% | 2,675 |
| Net interest margin | 3.5793% | 3,341 |
| Noninterest income to average assets | 0.2842% | 4,042 |
| Noninterest expense to average assets | 2.2766% | 4,066 |
| Loan and lease loss provision to assets | 0.0048% | 3,630 |
| Net operating income to assets | 1.0888% | 2,569 |
| Return on assets (ROA) | 1.0888% | 2,635 |
| Pretax return on assets | 1.3554% | 2,367 |
| Return on Equity (ROE) | 6.6867% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.6867% | 1,959 |
| Net charge-offs to loans | -0.0126% | 4,395 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5988% | 3,338 |
| Assets per employee ($millions) | 5.7081% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,378 |
| Loan loss allowance to noncurrent loans | 212.2558% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,727 |
| Noncurrent loans to loans | 0.5778% | 2,529 |
| Net loans and leases to total assets | 76.6442% | 1,444 |
| Net loans and leases to deposits | 92.8659% | 1,390 |
| Net loans and leases to core deposits | 108.0430% | 1,101 |
| Total domestic deposits to total assets | 82.5321% | 3,364 |
| Equity capital to assets | 16.5171% | 531 |
| Core capital (leverage) ratio | 16.6549% | 468 |
| Tier 1 risk-based capital ratio | 26.8213% | 637 |
| Total risk-based capital ratio | 28.0743% | 624 |
| Memoranda: | ||
| Average total assets | $125,276,670 | 3,686 |
| Average earning assets | $117,341,000 | 3,655 |
| Average equity | $20,398,670 | 3,113 |
| Average total loans | $95,474,330 | 3,348 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 3,364 |
| Cost of funding earning assets | 0.7635% | 2,714 |
| Net interest margin | 3.5994% | 3,250 |
| Noninterest income to average assets | 0.2366% | 4,318 |
| Noninterest expense to average assets | 2.2825% | 4,070 |
| Loan and lease loss provision to assets | 0.0032% | 3,378 |
| Net operating income to assets | 1.0645% | 2,603 |
| Return on assets (ROA) | 1.0645% | 2,654 |
| Pretax return on assets | 1.3267% | 2,348 |
| Return on Equity (ROE) | 6.5853% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.5853% | 2,207 |
| Net charge-offs to loans | -0.0127% | 4,321 |
| Credit loss provision to net charge-offs | -33.3333% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1858% | 3,360 |
| Assets per employee ($millions) | 5.3838% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,232 |
| Loan loss allowance to noncurrent loans | 179.7583% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,498 |
| Noncurrent loans to loans | 0.7058% | 2,261 |
| Net loans and leases to total assets | 74.7803% | 1,675 |
| Net loans and leases to deposits | 90.5516% | 1,561 |
| Net loans and leases to core deposits | 104.8960% | 1,255 |
| Total domestic deposits to total assets | 82.5831% | 3,547 |
| Equity capital to assets | 16.4688% | 504 |
| Core capital (leverage) ratio | 16.3441% | 489 |
| Tier 1 risk-based capital ratio | 27.3985% | 597 |
| Total risk-based capital ratio | 28.6520% | 584 |
| Memoranda: | ||
| Average total assets | $125,125,500 | 3,719 |
| Average earning assets | $117,354,500 | 3,693 |
| Average equity | $20,227,000 | 3,139 |
| Average total loans | $94,489,500 | 3,402 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,712 |
| Cost of funding earning assets | 0.5913% | 2,785 |
| Net interest margin | 3.5183% | 3,641 |
| Noninterest income to average assets | 0.3728% | 3,598 |
| Noninterest expense to average assets | 2.2390% | 4,248 |
| Loan and lease loss provision to assets | 0.0048% | 4,018 |
| Net operating income to assets | 1.1207% | 2,514 |
| Return on assets (ROA) | 1.1207% | 2,510 |
| Pretax return on assets | 1.4344% | 2,013 |
| Return on Equity (ROE) | 7.2535% | 3,746 |
| Retained earnings to average equity (ytd only) | 7.2535% | 1,557 |
| Net charge-offs to loans | -0.0126% | 4,558 |
| Credit loss provision to net charge-offs | -50.0000% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8724% | 3,715 |
| Assets per employee ($millions) | 5.4967% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,323 |
| Loan loss allowance to noncurrent loans | 341.7867% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,481 |
| Noncurrent loans to loans | 0.3645% | 3,228 |
| Net loans and leases to total assets | 74.3567% | 1,875 |
| Net loans and leases to deposits | 89.4084% | 1,877 |
| Net loans and leases to core deposits | 103.2739% | 1,479 |
| Total domestic deposits to total assets | 83.1652% | 3,273 |
| Equity capital to assets | 15.8682% | 556 |
| Core capital (leverage) ratio | 16.0096% | 509 |
| Tier 1 risk-based capital ratio | 26.1303% | 659 |
| Total risk-based capital ratio | 27.3833% | 650 |
| Memoranda: | ||
| Average total assets | $125,279,600 | 3,708 |
| Average earning assets | $117,699,600 | 3,680 |
| Average equity | $19,356,200 | 3,151 |
| Average total loans | $95,441,000 | 3,377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 3,714 |
| Cost of funding earning assets | 0.5492% | 2,863 |
| Net interest margin | 3.5275% | 3,607 |
| Noninterest income to average assets | 0.4299% | 3,286 |
| Noninterest expense to average assets | 2.2635% | 4,187 |
| Loan and lease loss provision to assets | 0.0053% | 3,870 |
| Net operating income to assets | 1.1435% | 2,466 |
| Return on assets (ROA) | 1.1435% | 2,479 |
| Pretax return on assets | 1.4774% | 1,978 |
| Return on Equity (ROE) | 7.4520% | 3,768 |
| Retained earnings to average equity (ytd only) | 7.4520% | 1,900 |
| Net charge-offs to loans | -0.0126% | 4,461 |
| Credit loss provision to net charge-offs | -55.5556% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4214% | 3,751 |
| Assets per employee ($millions) | 5.7495% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,447 |
| Loan loss allowance to noncurrent loans | 391.0596% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,772 |
| Noncurrent loans to loans | 0.3148% | 3,540 |
| Net loans and leases to total assets | 74.9115% | 1,831 |
| Net loans and leases to deposits | 89.8270% | 1,929 |
| Net loans and leases to core deposits | 105.2588% | 1,356 |
| Total domestic deposits to total assets | 83.3953% | 3,166 |
| Equity capital to assets | 15.5975% | 601 |
| Core capital (leverage) ratio | 15.7514% | 559 |
| Tier 1 risk-based capital ratio | 25.2483% | 729 |
| Total risk-based capital ratio | 26.5012% | 716 |
| Memoranda: | ||
| Average total assets | $124,993,750 | 3,752 |
| Average earning assets | $117,512,500 | 3,727 |
| Average equity | $19,180,000 | 3,187 |
| Average total loans | $95,503,750 | 3,413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,681 |
| Cost of funding earning assets | 0.5185% | 2,858 |
| Net interest margin | 3.5129% | 3,590 |
| Noninterest income to average assets | 0.5060% | 2,828 |
| Noninterest expense to average assets | 2.2892% | 4,166 |
| Loan and lease loss provision to assets | 0.0048% | 3,729 |
| Net operating income to assets | 1.1486% | 2,396 |
| Return on assets (ROA) | 1.1486% | 2,400 |
| Pretax return on assets | 1.5101% | 1,779 |
| Return on Equity (ROE) | 7.5275% | 3,708 |
| Retained earnings to average equity (ytd only) | 7.5275% | 1,834 |
| Net charge-offs to loans | -0.0126% | 4,391 |
| Credit loss provision to net charge-offs | -50.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1774% | 3,912 |
| Assets per employee ($millions) | 5.5567% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,623 |
| Loan loss allowance to noncurrent loans | 307.8534% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,518 |
| Noncurrent loans to loans | 0.3952% | 3,275 |
| Net loans and leases to total assets | 78.1142% | 1,293 |
| Net loans and leases to deposits | 94.8075% | 1,270 |
| Net loans and leases to core deposits | 108.5505% | 1,084 |
| Total domestic deposits to total assets | 82.3923% | 3,596 |
| Equity capital to assets | 15.8465% | 522 |
| Core capital (leverage) ratio | 15.6910% | 541 |
| Tier 1 risk-based capital ratio | 24.6353% | 772 |
| Total risk-based capital ratio | 25.8880% | 749 |
| Memoranda: | ||
| Average total assets | $124,495,670 | 3,787 |
| Average earning assets | $116,883,000 | 3,761 |
| Average equity | $18,997,000 | 3,220 |
| Average total loans | $95,360,000 | 3,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,681 |
| Cost of funding earning assets | 0.4989% | 2,803 |
| Net interest margin | 3.4823% | 3,597 |
| Noninterest income to average assets | 0.2165% | 4,709 |
| Noninterest expense to average assets | 2.2735% | 4,248 |
| Loan and lease loss provision to assets | 0.0032% | 3,476 |
| Net operating income to assets | 0.9712% | 2,979 |
| Return on assets (ROA) | 0.9712% | 3,009 |
| Pretax return on assets | 1.2068% | 2,723 |
| Return on Equity (ROE) | 6.4861% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.4861% | 2,511 |
| Net charge-offs to loans | -0.0127% | 4,347 |
| Credit loss provision to net charge-offs | -33.3333% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2651% | 3,283 |
| Assets per employee ($millions) | 5.4800% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,654 |
| Loan loss allowance to noncurrent loans | 297.9644% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,589 |
| Noncurrent loans to loans | 0.4114% | 3,305 |
| Net loans and leases to total assets | 74.8532% | 1,736 |
| Net loans and leases to deposits | 89.0837% | 1,801 |
| Net loans and leases to core deposits | 102.5511% | 1,479 |
| Total domestic deposits to total assets | 84.0257% | 3,321 |
| Equity capital to assets | 15.0444% | 660 |
| Core capital (leverage) ratio | 15.2319% | 610 |
| Tier 1 risk-based capital ratio | 24.3230% | 813 |
| Total risk-based capital ratio | 25.5750% | 790 |
| Memoranda: | ||
| Average total assets | $125,619,500 | 3,804 |
| Average earning assets | $117,853,500 | 3,786 |
| Average equity | $18,809,500 | 3,270 |
| Average total loans | $94,705,500 | 3,453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 3,874 |
| Cost of funding earning assets | 0.5146% | 2,214 |
| Net interest margin | 3.3389% | 4,042 |
| Noninterest income to average assets | 0.3673% | 3,840 |
| Noninterest expense to average assets | 2.2294% | 4,474 |
| Loan and lease loss provision to assets | 0.0096% | 4,083 |
| Net operating income to assets | 0.8035% | 3,141 |
| Return on assets (ROA) | 0.7868% | 3,259 |
| Pretax return on assets | 1.2104% | 2,732 |
| Return on Equity (ROE) | 5.3944% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.3944% | 1,870 |
| Net charge-offs to loans | -0.0548% | 5,214 |
| Credit loss provision to net charge-offs | -23.5294% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1536% | 3,582 |
| Assets per employee ($millions) | 5.4434% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,513 |
| Loan loss allowance to noncurrent loans | 429.0441% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,048 |
| Noncurrent loans to loans | 0.2897% | 3,743 |
| Net loans and leases to total assets | 74.0645% | 1,911 |
| Net loans and leases to deposits | 87.9923% | 2,021 |
| Net loans and leases to core deposits | 101.2956% | 1,607 |
| Total domestic deposits to total assets | 84.1716% | 3,136 |
| Equity capital to assets | 14.9019% | 697 |
| Core capital (leverage) ratio | 14.8521% | 646 |
| Tier 1 risk-based capital ratio | 24.3351% | 791 |
| Total risk-based capital ratio | 25.5873% | 769 |
| Memoranda: | ||
| Average total assets | $124,425,800 | 3,831 |
| Average earning assets | $115,815,800 | 3,821 |
| Average equity | $18,148,600 | 3,342 |
| Average total loans | $93,074,000 | 3,467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 3,862 |
| Cost of funding earning assets | 0.5182% | 2,125 |
| Net interest margin | 3.3241% | 4,092 |
| Noninterest income to average assets | 0.3949% | 3,722 |
| Noninterest expense to average assets | 2.2216% | 4,481 |
| Loan and lease loss provision to assets | 0.0386% | 3,335 |
| Net operating income to assets | 0.8361% | 3,349 |
| Return on assets (ROA) | 0.8124% | 3,520 |
| Pretax return on assets | 1.1849% | 2,966 |
| Return on Equity (ROE) | 5.6006% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.6006% | 2,483 |
| Net charge-offs to loans | -0.0330% | 5,030 |
| Credit loss provision to net charge-offs | -156.5217% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8495% | 3,576 |
| Assets per employee ($millions) | 5.4571% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,599 |
| Loan loss allowance to noncurrent loans | 234.4758% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 3,447 |
| Noncurrent loans to loans | 0.5363% | 3,098 |
| Net loans and leases to total assets | 72.7622% | 2,134 |
| Net loans and leases to deposits | 86.2209% | 2,268 |
| Net loans and leases to core deposits | 99.0897% | 1,790 |
| Total domestic deposits to total assets | 84.3905% | 2,962 |
| Equity capital to assets | 14.6877% | 809 |
| Core capital (leverage) ratio | 14.8888% | 683 |
| Tier 1 risk-based capital ratio | 24.5581% | 800 |
| Total risk-based capital ratio | 25.8116% | 779 |
| Memoranda: | ||
| Average total assets | $124,232,500 | 3,874 |
| Average earning assets | $115,276,500 | 3,865 |
| Average equity | $18,021,500 | 3,389 |
| Average total loans | $92,868,750 | 3,503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 3,912 |
| Cost of funding earning assets | 0.5225% | 1,985 |
| Net interest margin | 3.2719% | 4,205 |
| Noninterest income to average assets | 0.4410% | 3,411 |
| Noninterest expense to average assets | 2.3004% | 4,350 |
| Loan and lease loss provision to assets | 0.0485% | 3,022 |
| Net operating income to assets | 0.7836% | 3,472 |
| Return on assets (ROA) | 0.7479% | 3,702 |
| Pretax return on assets | 1.0856% | 3,234 |
| Return on Equity (ROE) | 5.1779% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.1779% | 2,591 |
| Net charge-offs to loans | -0.0108% | 4,561 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9870% | 3,355 |
| Assets per employee ($millions) | 4.7268% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,906 |
| Loan loss allowance to noncurrent loans | 802.1127% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,739 |
| Noncurrent loans to loans | 0.1519% | 4,505 |
| Net loans and leases to total assets | 75.1204% | 1,679 |
| Net loans and leases to deposits | 89.0836% | 1,854 |
| Net loans and leases to core deposits | 101.9705% | 1,509 |
| Total domestic deposits to total assets | 84.3258% | 3,078 |
| Equity capital to assets | 14.7613% | 753 |
| Core capital (leverage) ratio | 14.6828% | 700 |
| Tier 1 risk-based capital ratio | 24.0600% | 846 |
| Total risk-based capital ratio | 25.3120% | 822 |
| Memoranda: | ||
| Average total assets | $123,805,670 | 3,898 |
| Average earning assets | $115,225,330 | 3,891 |
| Average equity | $17,883,670 | 3,413 |
| Average total loans | $92,995,330 | 3,512 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,243 |
| Cost of funding earning assets | 0.5262% | 1,890 |
| Net interest margin | 3.1331% | 4,551 |
| Noninterest income to average assets | 0.2221% | 4,946 |
| Noninterest expense to average assets | 2.2083% | 4,618 |
| Loan and lease loss provision to assets | 0.0483% | 2,847 |
| Net operating income to assets | 0.6245% | 4,045 |
| Return on assets (ROA) | 0.6245% | 4,097 |
| Pretax return on assets | 0.8981% | 3,780 |
| Return on Equity (ROE) | 4.3706% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.3706% | 3,238 |
| Net charge-offs to loans | -0.0086% | 4,361 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 2,891 |
| Assets per employee ($millions) | 4.9525% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,183 |
| Loan loss allowance to noncurrent loans | 778.4722% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,802 |
| Noncurrent loans to loans | 0.1532% | 4,576 |
| Net loans and leases to total assets | 75.0315% | 1,571 |
| Net loans and leases to deposits | 88.5840% | 1,722 |
| Net loans and leases to core deposits | 101.5501% | 1,399 |
| Total domestic deposits to total assets | 84.7010% | 3,218 |
| Equity capital to assets | 14.4178% | 782 |
| Core capital (leverage) ratio | 14.4646% | 720 |
| Tier 1 risk-based capital ratio | 24.4343% | 827 |
| Total risk-based capital ratio | 25.6868% | 802 |
| Memoranda: | ||
| Average total assets | $124,260,500 | 3,928 |
| Average earning assets | $116,306,500 | 3,912 |
| Average equity | $17,755,000 | 3,441 |
| Average total loans | $92,763,500 | 3,540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,020 |
| Cost of funding earning assets | 0.5937% | 1,385 |
| Net interest margin | 3.1680% | 4,541 |
| Noninterest income to average assets | 0.5437% | 2,956 |
| Noninterest expense to average assets | 2.2181% | 4,733 |
| Loan and lease loss provision to assets | 0.0492% | 3,414 |
| Net operating income to assets | 0.8349% | 3,125 |
| Return on assets (ROA) | 0.8061% | 3,382 |
| Pretax return on assets | 1.1750% | 2,778 |
| Return on Equity (ROE) | 5.7295% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.7295% | 1,866 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6620% | 4,003 |
| Assets per employee ($millions) | 4.9884% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 3,082 |
| Loan loss allowance to noncurrent loans | 761.3793% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,850 |
| Noncurrent loans to loans | 0.1585% | 4,605 |
| Net loans and leases to total assets | 72.4920% | 2,094 |
| Net loans and leases to deposits | 85.3142% | 2,264 |
| Net loans and leases to core deposits | 99.1207% | 1,697 |
| Total domestic deposits to total assets | 84.9706% | 3,063 |
| Equity capital to assets | 14.1602% | 839 |
| Core capital (leverage) ratio | 14.2141% | 759 |
| Tier 1 risk-based capital ratio | 24.5673% | 809 |
| Total risk-based capital ratio | 25.8208% | 792 |
| Memoranda: | ||
| Average total assets | $121,952,400 | 3,956 |
| Average earning assets | $113,195,200 | 3,945 |
| Average equity | $17,156,800 | 3,536 |
| Average total loans | $91,903,200 | 3,537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 3,905 |
| Cost of funding earning assets | 0.6004% | 1,327 |
| Net interest margin | 3.2039% | 4,480 |
| Noninterest income to average assets | 0.5827% | 2,749 |
| Noninterest expense to average assets | 2.2606% | 4,625 |
| Loan and lease loss provision to assets | 0.0495% | 3,254 |
| Net operating income to assets | 0.8496% | 3,154 |
| Return on assets (ROA) | 0.8279% | 3,373 |
| Pretax return on assets | 1.2095% | 2,797 |
| Return on Equity (ROE) | 5.8949% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.8949% | 2,243 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6533% | 3,975 |
| Assets per employee ($millions) | 5.3652% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,346 |
| Loan loss allowance to noncurrent loans | 303.3426% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 4,264 |
| Noncurrent loans to loans | 0.3901% | 3,866 |
| Net loans and leases to total assets | 73.6929% | 1,922 |
| Net loans and leases to deposits | 86.6785% | 2,189 |
| Net loans and leases to core deposits | 101.4299% | 1,524 |
| Total domestic deposits to total assets | 85.0186% | 2,797 |
| Equity capital to assets | 14.1151% | 997 |
| Core capital (leverage) ratio | 14.2371% | 784 |
| Tier 1 risk-based capital ratio | 24.5490% | 855 |
| Total risk-based capital ratio | 25.8020% | 842 |
| Memoranda: | ||
| Average total assets | $121,263,250 | 3,990 |
| Average earning assets | $112,359,000 | 3,988 |
| Average equity | $17,031,250 | 3,576 |
| Average total loans | $92,002,000 | 3,551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 3,974 |
| Cost of funding earning assets | 0.6040% | 1,286 |
| Net interest margin | 3.1895% | 4,576 |
| Noninterest income to average assets | 0.5624% | 2,835 |
| Noninterest expense to average assets | 2.2862% | 4,646 |
| Loan and lease loss provision to assets | 0.0498% | 3,157 |
| Net operating income to assets | 0.8212% | 3,212 |
| Return on assets (ROA) | 0.8212% | 3,349 |
| Pretax return on assets | 1.1962% | 2,792 |
| Return on Equity (ROE) | 5.8572% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8572% | 2,206 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7252% | 3,894 |
| Assets per employee ($millions) | 4.6990% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,537 |
| Loan loss allowance to noncurrent loans | 340.9524% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,464 |
| Noncurrent loans to loans | 0.3425% | 4,139 |
| Net loans and leases to total assets | 74.3980% | 1,753 |
| Net loans and leases to deposits | 87.3797% | 2,084 |
| Net loans and leases to core deposits | 102.3005% | 1,448 |
| Total domestic deposits to total assets | 85.1433% | 2,802 |
| Equity capital to assets | 14.0382% | 1,009 |
| Core capital (leverage) ratio | 14.2558% | 758 |
| Tier 1 risk-based capital ratio | 23.8679% | 916 |
| Total risk-based capital ratio | 25.1204% | 895 |
| Memoranda: | ||
| Average total assets | $120,551,000 | 4,031 |
| Average earning assets | $112,242,670 | 4,015 |
| Average equity | $16,902,330 | 3,597 |
| Average total loans | $91,994,000 | 3,568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 3,987 |
| Cost of funding earning assets | 0.6033% | 1,310 |
| Net interest margin | 3.1844% | 4,628 |
| Noninterest income to average assets | 0.4343% | 3,584 |
| Noninterest expense to average assets | 2.2482% | 4,786 |
| Loan and lease loss provision to assets | 0.0501% | 2,920 |
| Net operating income to assets | 0.7717% | 3,388 |
| Return on assets (ROA) | 0.7717% | 3,493 |
| Pretax return on assets | 1.1158% | 3,033 |
| Return on Equity (ROE) | 5.5072% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.5072% | 2,643 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8513% | 3,826 |
| Assets per employee ($millions) | 5.0179% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,788 |
| Loan loss allowance to noncurrent loans | 278.6842% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 4,304 |
| Noncurrent loans to loans | 0.4116% | 3,960 |
| Net loans and leases to total assets | 75.7882% | 1,425 |
| Net loans and leases to deposits | 88.9772% | 1,707 |
| Net loans and leases to core deposits | 104.4984% | 1,160 |
| Total domestic deposits to total assets | 85.1772% | 3,051 |
| Equity capital to assets | 14.0257% | 972 |
| Core capital (leverage) ratio | 14.1830% | 768 |
| Tier 1 risk-based capital ratio | 23.2524% | 990 |
| Total risk-based capital ratio | 24.5037% | 978 |
| Memoranda: | ||
| Average total assets | $119,739,500 | 4,076 |
| Average earning assets | $112,045,500 | 4,043 |
| Average equity | $16,778,000 | 3,619 |
| Average total loans | $92,006,500 | 3,575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,571 |
| Cost of funding earning assets | 0.6493% | 1,076 |
| Net interest margin | 3.2894% | 4,330 |
| Noninterest income to average assets | 0.6147% | 2,643 |
| Noninterest expense to average assets | 2.3212% | 4,726 |
| Loan and lease loss provision to assets | 0.1248% | 1,931 |
| Net operating income to assets | 0.8308% | 3,190 |
| Return on assets (ROA) | 0.8308% | 3,264 |
| Pretax return on assets | 1.2088% | 2,626 |
| Return on Equity (ROE) | 5.9593% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.9593% | 1,814 |
| Net charge-offs to loans | 0.2518% | 1,194 |
| Credit loss provision to net charge-offs | 62.7706% | 3,228 |
| Earnings coverage of net charge-offs (x) | 6.7056% | 3,180 |
| Efficiency ratio | 63.5100% | 4,367 |
| Assets per employee ($millions) | 5.4114% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,812 |
| Loan loss allowance to noncurrent loans | 142.6230% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 3,050 |
| Noncurrent loans to loans | 0.7984% | 2,793 |
| Net loans and leases to total assets | 76.1352% | 1,399 |
| Net loans and leases to deposits | 89.4511% | 1,689 |
| Net loans and leases to core deposits | 105.3721% | 1,142 |
| Total domestic deposits to total assets | 85.1138% | 3,038 |
| Equity capital to assets | 13.9983% | 929 |
| Core capital (leverage) ratio | 13.9551% | 838 |
| Tier 1 risk-based capital ratio | 23.2571% | 984 |
| Total risk-based capital ratio | 24.5110% | 973 |
| Memoranda: | ||
| Average total assets | $116,147,200 | 4,133 |
| Average earning assets | $107,345,600 | 4,108 |
| Average equity | $16,193,200 | 3,646 |
| Average total loans | $91,724,200 | 3,555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 3,482 |
| Cost of funding earning assets | 0.6515% | 1,083 |
| Net interest margin | 3.3126% | 4,288 |
| Noninterest income to average assets | 0.6261% | 2,601 |
| Noninterest expense to average assets | 2.3461% | 4,664 |
| Loan and lease loss provision to assets | 0.1502% | 1,451 |
| Net operating income to assets | 0.8109% | 3,381 |
| Return on assets (ROA) | 0.8109% | 3,475 |
| Pretax return on assets | 1.1783% | 2,899 |
| Return on Equity (ROE) | 5.8225% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.8225% | 2,353 |
| Net charge-offs to loans | 0.3357% | 780 |
| Credit loss provision to net charge-offs | 56.2771% | 2,958 |
| Earnings coverage of net charge-offs (x) | 4.9784% | 3,267 |
| Efficiency ratio | 63.8478% | 4,277 |
| Assets per employee ($millions) | 4.7074% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,045 |
| Loan loss allowance to noncurrent loans | 136.4721% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 3,182 |
| Noncurrent loans to loans | 0.8302% | 2,892 |
| Net loans and leases to total assets | 76.3011% | 1,350 |
| Net loans and leases to deposits | 89.7681% | 1,684 |
| Net loans and leases to core deposits | 106.7197% | 1,048 |
| Total domestic deposits to total assets | 84.9981% | 3,004 |
| Equity capital to assets | 13.9500% | 1,044 |
| Core capital (leverage) ratio | 14.0805% | 841 |
| Tier 1 risk-based capital ratio | 22.9950% | 1,054 |
| Total risk-based capital ratio | 24.2482% | 1,039 |
| Memoranda: | ||
| Average total assets | $115,421,500 | 4,187 |
| Average earning assets | $106,217,250 | 4,178 |
| Average equity | $16,075,250 | 3,696 |
| Average total loans | $91,734,500 | 3,584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,379 |
| Cost of funding earning assets | 0.6485% | 1,114 |
| Net interest margin | 3.3294% | 4,175 |
| Noninterest income to average assets | 0.6453% | 2,502 |
| Noninterest expense to average assets | 2.3494% | 4,716 |
| Loan and lease loss provision to assets | 0.1134% | 1,942 |
| Net operating income to assets | 0.8599% | 3,082 |
| Return on assets (ROA) | 0.8599% | 3,187 |
| Pretax return on assets | 1.2541% | 2,531 |
| Return on Equity (ROE) | 6.1774% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.1774% | 2,133 |
| Net charge-offs to loans | 0.2499% | 1,041 |
| Credit loss provision to net charge-offs | 56.5217% | 2,632 |
| Earnings coverage of net charge-offs (x) | 6.8174% | 2,735 |
| Efficiency ratio | 63.2098% | 4,483 |
| Assets per employee ($millions) | 4.4110% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 3,857 |
| Loan loss allowance to noncurrent loans | 95.0704% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 2,239 |
| Noncurrent loans to loans | 1.2495% | 2,160 |
| Net loans and leases to total assets | 78.3321% | 1,025 |
| Net loans and leases to deposits | 92.1055% | 1,361 |
| Net loans and leases to core deposits | 109.5695% | 856 |
| Total domestic deposits to total assets | 85.0461% | 3,104 |
| Equity capital to assets | 14.1351% | 942 |
| Core capital (leverage) ratio | 13.9884% | 840 |
| Tier 1 risk-based capital ratio | 22.4136% | 1,148 |
| Total risk-based capital ratio | 23.6680% | 1,128 |
| Memoranda: | ||
| Average total assets | $114,667,000 | 4,240 |
| Average earning assets | $105,786,000 | 4,222 |
| Average equity | $15,961,330 | 3,732 |
| Average total loans | $92,038,000 | 3,593 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,358 |
| Cost of funding earning assets | 0.6458% | 1,145 |
| Net interest margin | 3.3194% | 4,137 |
| Noninterest income to average assets | 0.5791% | 2,778 |
| Noninterest expense to average assets | 2.3548% | 4,726 |
| Loan and lease loss provision to assets | 0.1744% | 1,120 |
| Net operating income to assets | 0.7710% | 3,419 |
| Return on assets (ROA) | 0.7710% | 3,555 |
| Pretax return on assets | 1.1164% | 3,008 |
| Return on Equity (ROE) | 5.5820% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.5820% | 2,734 |
| Net charge-offs to loans | 0.4968% | 506 |
| Credit loss provision to net charge-offs | 43.4783% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.2174% | 2,636 |
| Efficiency ratio | 64.5933% | 4,381 |
| Assets per employee ($millions) | 4.6603% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 4,260 |
| Loan loss allowance to noncurrent loans | 89.4207% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 2,064 |
| Noncurrent loans to loans | 1.2860% | 2,230 |
| Net loans and leases to total assets | 78.5792% | 856 |
| Net loans and leases to deposits | 92.0916% | 1,172 |
| Net loans and leases to core deposits | 108.8882% | 793 |
| Total domestic deposits to total assets | 85.3272% | 3,257 |
| Equity capital to assets | 13.6866% | 1,098 |
| Core capital (leverage) ratio | 14.0255% | 816 |
| Tier 1 risk-based capital ratio | 21.8912% | 1,260 |
| Total risk-based capital ratio | 23.1441% | 1,236 |
| Memoranda: | ||
| Average total assets | $114,657,500 | 4,276 |
| Average earning assets | $105,923,000 | 4,253 |
| Average equity | $15,836,500 | 3,772 |
| Average total loans | $92,599,000 | 3,598 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,687 |
| Cost of funding earning assets | 0.7334% | 933 |
| Net interest margin | 3.2785% | 4,660 |
| Noninterest income to average assets | 0.4411% | 3,890 |
| Noninterest expense to average assets | 2.4110% | 4,816 |
| Loan and lease loss provision to assets | 0.0531% | 3,495 |
| Net operating income to assets | 0.6980% | 3,900 |
| Return on assets (ROA) | 0.6723% | 4,133 |
| Pretax return on assets | 0.9726% | 3,603 |
| Return on Equity (ROE) | 4.9500% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.9500% | 2,633 |
| Net charge-offs to loans | 0.0240% | 4,356 |
| Credit loss provision to net charge-offs | 272.7273% | 933 |
| Earnings coverage of net charge-offs (x) | 54.5455% | 857 |
| Efficiency ratio | 69.4034% | 3,645 |
| Assets per employee ($millions) | 4.0288% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,878 |
| Loan loss allowance to noncurrent loans | 96.2521% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 2,393 |
| Noncurrent loans to loans | 1.2681% | 2,333 |
| Net loans and leases to total assets | 81.0694% | 623 |
| Net loans and leases to deposits | 95.0230% | 990 |
| Net loans and leases to core deposits | 114.1367% | 597 |
| Total domestic deposits to total assets | 85.3156% | 3,159 |
| Equity capital to assets | 13.9415% | 973 |
| Core capital (leverage) ratio | 13.6721% | 911 |
| Tier 1 risk-based capital ratio | 20.7711% | 1,449 |
| Total risk-based capital ratio | 22.0248% | 1,423 |
| Memoranda: | ||
| Average total assets | $112,897,600 | 4,322 |
| Average earning assets | $104,439,400 | 4,303 |
| Average equity | $15,333,200 | 3,775 |
| Average total loans | $91,632,400 | 3,599 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,626 |
| Cost of funding earning assets | 0.7591% | 856 |
| Net interest margin | 3.2743% | 4,700 |
| Noninterest income to average assets | 0.4487% | 3,902 |
| Noninterest expense to average assets | 2.3721% | 4,908 |
| Loan and lease loss provision to assets | 0.0531% | 3,315 |
| Net operating income to assets | 0.7226% | 3,827 |
| Return on assets (ROA) | 0.6884% | 4,090 |
| Pretax return on assets | 0.9989% | 3,595 |
| Return on Equity (ROE) | 5.1022% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.1022% | 3,019 |
| Net charge-offs to loans | 0.0408% | 3,688 |
| Credit loss provision to net charge-offs | 160.7143% | 1,508 |
| Earnings coverage of net charge-offs (x) | 33.3236% | 1,282 |
| Efficiency ratio | 68.2869% | 3,809 |
| Assets per employee ($millions) | 4.5273% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 4,220 |
| Loan loss allowance to noncurrent loans | 114.3447% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 2,836 |
| Noncurrent loans to loans | 1.0497% | 2,972 |
| Net loans and leases to total assets | 80.5835% | 653 |
| Net loans and leases to deposits | 94.3214% | 1,008 |
| Net loans and leases to core deposits | 115.2187% | 541 |
| Total domestic deposits to total assets | 85.4350% | 3,140 |
| Equity capital to assets | 13.7451% | 1,094 |
| Core capital (leverage) ratio | 13.4967% | 998 |
| Tier 1 risk-based capital ratio | 20.5424% | 1,542 |
| Total risk-based capital ratio | 21.7886% | 1,509 |
| Memoranda: | ||
| Average total assets | $112,920,250 | 4,360 |
| Average earning assets | $104,325,250 | 4,344 |
| Average equity | $15,234,750 | 3,814 |
| Average total loans | $91,395,000 | 3,633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,542 |
| Cost of funding earning assets | 0.7643% | 857 |
| Net interest margin | 3.2857% | 4,645 |
| Noninterest income to average assets | 0.4573% | 3,813 |
| Noninterest expense to average assets | 2.3947% | 4,895 |
| Loan and lease loss provision to assets | 0.0532% | 3,237 |
| Net operating income to assets | 0.7230% | 3,714 |
| Return on assets (ROA) | 0.6948% | 3,958 |
| Pretax return on assets | 1.0015% | 3,472 |
| Return on Equity (ROE) | 5.1827% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.1827% | 2,844 |
| Net charge-offs to loans | 0.0615% | 3,099 |
| Credit loss provision to net charge-offs | 107.1429% | 1,867 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,518 |
| Efficiency ratio | 68.6135% | 3,892 |
| Assets per employee ($millions) | 4.8807% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,469 |
| Loan loss allowance to noncurrent loans | 167.6380% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 3,564 |
| Noncurrent loans to loans | 0.7094% | 3,933 |
| Net loans and leases to total assets | 80.9026% | 584 |
| Net loans and leases to deposits | 94.5243% | 921 |
| Net loans and leases to core deposits | 114.9435% | 503 |
| Total domestic deposits to total assets | 85.5892% | 3,251 |
| Equity capital to assets | 13.6759% | 1,094 |
| Core capital (leverage) ratio | 13.4237% | 1,002 |
| Tier 1 risk-based capital ratio | 20.2753% | 1,621 |
| Total risk-based capital ratio | 21.5276% | 1,590 |
| Memoranda: | ||
| Average total assets | $112,833,000 | 4,386 |
| Average earning assets | $104,149,330 | 4,360 |
| Average equity | $15,127,330 | 3,833 |
| Average total loans | $91,088,670 | 3,663 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,521 |
| Cost of funding earning assets | 0.7650% | 903 |
| Net interest margin | 3.2754% | 4,644 |
| Noninterest income to average assets | 0.2122% | 5,656 |
| Noninterest expense to average assets | 2.3833% | 4,978 |
| Loan and lease loss provision to assets | 0.0530% | 3,047 |
| Net operating income to assets | 0.5552% | 4,432 |
| Return on assets (ROA) | 0.5552% | 4,506 |
| Pretax return on assets | 0.7885% | 4,153 |
| Return on Equity (ROE) | 4.1825% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.1825% | 3,619 |
| Net charge-offs to loans | 0.0706% | 2,444 |
| Credit loss provision to net charge-offs | 93.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 14.8750% | 1,579 |
| Efficiency ratio | 73.9035% | 3,159 |
| Assets per employee ($millions) | 4.7104% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 4,627 |
| Loan loss allowance to noncurrent loans | 156.8345% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 3,629 |
| Noncurrent loans to loans | 0.7666% | 3,944 |
| Net loans and leases to total assets | 79.2304% | 634 |
| Net loans and leases to deposits | 92.1682% | 939 |
| Net loans and leases to core deposits | 110.3636% | 576 |
| Total domestic deposits to total assets | 85.9628% | 3,386 |
| Equity capital to assets | 13.3516% | 1,156 |
| Core capital (leverage) ratio | 13.2810% | 1,049 |
| Tier 1 risk-based capital ratio | 20.4568% | 1,599 |
| Total risk-based capital ratio | 21.7100% | 1,568 |
| Memoranda: | ||
| Average total assets | $113,121,500 | 4,426 |
| Average earning assets | $104,049,000 | 4,403 |
| Average equity | $15,015,000 | 3,861 |
| Average total loans | $90,677,500 | 3,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 4,282 |
| Cost of funding earning assets | 0.8222% | 1,083 |
| Net interest margin | 3.1282% | 5,234 |
| Noninterest income to average assets | 0.3844% | 4,558 |
| Noninterest expense to average assets | 2.3099% | 5,352 |
| Loan and lease loss provision to assets | 0.2140% | 1,711 |
| Net operating income to assets | 0.5216% | 4,640 |
| Return on assets (ROA) | 0.5216% | 4,770 |
| Pretax return on assets | 0.7391% | 4,382 |
| Return on Equity (ROE) | 4.0784% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.0784% | 3,280 |
| Net charge-offs to loans | 0.3448% | 1,954 |
| Credit loss provision to net charge-offs | 82.4916% | 2,976 |
| Earnings coverage of net charge-offs (x) | 3.6734% | 3,788 |
| Efficiency ratio | 70.7898% | 3,702 |
| Assets per employee ($millions) | 4.7164% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,639 |
| Loan loss allowance to noncurrent loans | 192.5926% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 3,870 |
| Noncurrent loans to loans | 0.6252% | 4,415 |
| Net loans and leases to total assets | 79.1595% | 689 |
| Net loans and leases to deposits | 91.9128% | 1,060 |
| Net loans and leases to core deposits | 110.6633% | 586 |
| Total domestic deposits to total assets | 86.1246% | 3,186 |
| Equity capital to assets | 13.1952% | 1,186 |
| Core capital (leverage) ratio | 13.1115% | 1,102 |
| Tier 1 risk-based capital ratio | 20.3698% | 1,571 |
| Total risk-based capital ratio | 21.6228% | 1,539 |
| Memoranda: | ||
| Average total assets | $114,464,800 | 4,400 |
| Average earning assets | $105,331,800 | 4,381 |
| Average equity | $14,638,200 | 3,936 |
| Average total loans | $86,138,600 | 3,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,451 |
| Cost of funding earning assets | 0.8324% | 1,141 |
| Net interest margin | 3.0818% | 5,375 |
| Noninterest income to average assets | 0.3613% | 4,807 |
| Noninterest expense to average assets | 2.2779% | 5,412 |
| Loan and lease loss provision to assets | 0.1917% | 1,910 |
| Net operating income to assets | 0.5099% | 4,759 |
| Return on assets (ROA) | 0.5099% | 4,916 |
| Pretax return on assets | 0.7213% | 4,603 |
| Return on Equity (ROE) | 4.0190% | 5,216 |
| Retained earnings to average equity (ytd only) | 4.0190% | 3,835 |
| Net charge-offs to loans | 0.4141% | 1,556 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 2.9773% | 3,848 |
| Efficiency ratio | 71.3870% | 3,536 |
| Assets per employee ($millions) | 4.9537% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 4,988 |
| Loan loss allowance to noncurrent loans | 109.0814% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 3,261 |
| Noncurrent loans to loans | 1.0773% | 3,645 |
| Net loans and leases to total assets | 77.1291% | 858 |
| Net loans and leases to deposits | 89.3349% | 1,240 |
| Net loans and leases to core deposits | 108.1723% | 659 |
| Total domestic deposits to total assets | 86.3369% | 3,053 |
| Equity capital to assets | 12.9820% | 1,339 |
| Core capital (leverage) ratio | 12.8856% | 1,247 |
| Tier 1 risk-based capital ratio | 19.9798% | 1,745 |
| Total risk-based capital ratio | 21.2196% | 1,719 |
| Memoranda: | ||
| Average total assets | $114,782,750 | 4,436 |
| Average earning assets | $105,390,500 | 4,420 |
| Average equity | $14,563,750 | 3,995 |
| Average total loans | $84,999,500 | 3,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 4,526 |
| Cost of funding earning assets | 0.8462% | 1,159 |
| Net interest margin | 3.0418% | 5,458 |
| Noninterest income to average assets | 0.4137% | 4,419 |
| Noninterest expense to average assets | 2.2978% | 5,377 |
| Loan and lease loss provision to assets | 0.2173% | 1,747 |
| Net operating income to assets | 0.4780% | 4,890 |
| Return on assets (ROA) | 0.4780% | 5,071 |
| Pretax return on assets | 0.6727% | 4,769 |
| Return on Equity (ROE) | 3.7962% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.7962% | 3,884 |
| Net charge-offs to loans | 0.6309% | 1,046 |
| Credit loss provision to net charge-offs | 47.3485% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 3,871 |
| Efficiency ratio | 72.0829% | 3,452 |
| Assets per employee ($millions) | 4.9539% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,092 |
| Loan loss allowance to noncurrent loans | 555.2486% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 5,092 |
| Noncurrent loans to loans | 0.2126% | 5,771 |
| Net loans and leases to total assets | 73.8421% | 1,278 |
| Net loans and leases to deposits | 85.2699% | 1,647 |
| Net loans and leases to core deposits | 101.6185% | 968 |
| Total domestic deposits to total assets | 86.5981% | 3,058 |
| Equity capital to assets | 12.8130% | 1,415 |
| Core capital (leverage) ratio | 12.7034% | 1,287 |
| Tier 1 risk-based capital ratio | 20.0053% | 1,717 |
| Total risk-based capital ratio | 21.2563% | 1,686 |
| Memoranda: | ||
| Average total assets | $115,065,330 | 4,463 |
| Average earning assets | $104,939,330 | 4,459 |
| Average equity | $14,488,000 | 4,051 |
| Average total loans | $83,692,000 | 3,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 4,554 |
| Cost of funding earning assets | 0.8617% | 1,196 |
| Net interest margin | 3.0178% | 5,520 |
| Noninterest income to average assets | 0.4636% | 4,029 |
| Noninterest expense to average assets | 2.3247% | 5,354 |
| Loan and lease loss provision to assets | 0.2076% | 1,789 |
| Net operating income to assets | 0.4670% | 4,839 |
| Return on assets (ROA) | 0.4670% | 5,002 |
| Pretax return on assets | 0.6573% | 4,763 |
| Return on Equity (ROE) | 3.7416% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,990 |
| Net charge-offs to loans | 0.2170% | 2,122 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 2,355 |
| Efficiency ratio | 72.8850% | 3,460 |
| Assets per employee ($millions) | 4.5804% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 4,295 |
| Loan loss allowance to noncurrent loans | 172.4702% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 3,973 |
| Noncurrent loans to loans | 0.8059% | 4,514 |
| Net loans and leases to total assets | 71.8062% | 1,386 |
| Net loans and leases to deposits | 82.7365% | 1,740 |
| Net loans and leases to core deposits | 97.7589% | 1,097 |
| Total domestic deposits to total assets | 86.7890% | 3,079 |
| Equity capital to assets | 12.6573% | 1,613 |
| Core capital (leverage) ratio | 12.5412% | 1,319 |
| Tier 1 risk-based capital ratio | 19.9797% | 1,778 |
| Total risk-based capital ratio | 21.1944% | 1,760 |
| Memoranda: | ||
| Average total assets | $115,628,500 | 4,493 |
| Average earning assets | $104,447,000 | 4,506 |
| Average equity | $14,432,500 | 4,105 |
| Average total loans | $82,968,000 | 3,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 5,104 |
| Cost of funding earning assets | 0.9889% | 1,417 |
| Net interest margin | 3.0724% | 5,882 |
| Noninterest income to average assets | 0.6527% | 2,975 |
| Noninterest expense to average assets | 2.3263% | 5,619 |
| Loan and lease loss provision to assets | 0.3839% | 1,701 |
| Net operating income to assets | 0.5218% | 4,592 |
| Return on assets (ROA) | 0.5218% | 4,863 |
| Pretax return on assets | 0.7373% | 4,530 |
| Return on Equity (ROE) | 4.2489% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.2489% | 3,236 |
| Net charge-offs to loans | 0.2262% | 3,582 |
| Credit loss provision to net charge-offs | 231.5789% | 1,067 |
| Earnings coverage of net charge-offs (x) | 6.7632% | 2,743 |
| Efficiency ratio | 67.4766% | 4,236 |
| Assets per employee ($millions) | 5.0759% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,236 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 3,748 |
| Noncurrent loans to loans | 1.0660% | 4,073 |
| Net loans and leases to total assets | 69.7300% | 1,897 |
| Net loans and leases to deposits | 79.9723% | 2,284 |
| Net loans and leases to core deposits | 94.8976% | 1,394 |
| Total domestic deposits to total assets | 87.1927% | 2,709 |
| Equity capital to assets | 12.3096% | 1,851 |
| Core capital (leverage) ratio | 12.2001% | 1,451 |
| Tier 1 risk-based capital ratio | 20.3625% | 1,592 |
| Total risk-based capital ratio | 21.6051% | 1,566 |
| Memoranda: | ||
| Average total assets | $114,602,400 | 4,472 |
| Average earning assets | $104,252,400 | 4,486 |
| Average equity | $14,074,200 | 4,141 |
| Average total loans | $84,009,400 | 3,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 5,216 |
| Cost of funding earning assets | 1.0214% | 1,445 |
| Net interest margin | 3.0705% | 6,012 |
| Noninterest income to average assets | 0.5494% | 3,618 |
| Noninterest expense to average assets | 2.3226% | 5,624 |
| Loan and lease loss provision to assets | 0.3331% | 1,967 |
| Net operating income to assets | 0.4979% | 4,850 |
| Return on assets (ROA) | 0.4979% | 5,116 |
| Pretax return on assets | 0.7013% | 4,858 |
| Return on Equity (ROE) | 4.0571% | 5,264 |
| Retained earnings to average equity (ytd only) | 4.0571% | 4,035 |
| Net charge-offs to loans | 0.3002% | 2,938 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.6578% | 3,239 |
| Efficiency ratio | 69.1852% | 3,848 |
| Assets per employee ($millions) | 4.7969% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,393 |
| Loan loss allowance to noncurrent loans | 499.4949% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 4,548 |
| Noncurrent loans to loans | 0.2355% | 6,017 |
| Net loans and leases to total assets | 72.1581% | 1,526 |
| Net loans and leases to deposits | 82.8896% | 2,008 |
| Net loans and leases to core deposits | 96.6785% | 1,353 |
| Total domestic deposits to total assets | 87.0532% | 2,634 |
| Equity capital to assets | 12.3509% | 1,996 |
| Core capital (leverage) ratio | 12.3334% | 1,482 |
| Tier 1 risk-based capital ratio | 18.4234% | 2,190 |
| Total risk-based capital ratio | 19.5603% | 2,201 |
| Memoranda: | ||
| Average total assets | $114,066,500 | 4,538 |
| Average earning assets | $104,303,500 | 4,532 |
| Average equity | $14,000,000 | 4,190 |
| Average total loans | $84,374,000 | 3,943 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 5,121 |
| Cost of funding earning assets | 1.0551% | 1,436 |
| Net interest margin | 3.0982% | 6,013 |
| Noninterest income to average assets | 0.5013% | 3,918 |
| Noninterest expense to average assets | 2.3374% | 5,641 |
| Loan and lease loss provision to assets | 0.2814% | 2,328 |
| Net operating income to assets | 0.5118% | 4,765 |
| Return on assets (ROA) | 0.5118% | 5,030 |
| Pretax return on assets | 0.7229% | 4,762 |
| Return on Equity (ROE) | 4.1789% | 5,188 |
| Retained earnings to average equity (ytd only) | 4.1789% | 3,827 |
| Net charge-offs to loans | 0.4167% | 2,367 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 3.2443% | 3,440 |
| Efficiency ratio | 69.9474% | 3,774 |
| Assets per employee ($millions) | 4.6850% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,982 |
| Loan loss allowance to noncurrent loans | 234.1333% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 4,130 |
| Noncurrent loans to loans | 0.4464% | 5,644 |
| Net loans and leases to total assets | 73.9303% | 1,254 |
| Net loans and leases to deposits | 85.0049% | 1,719 |
| Net loans and leases to core deposits | 99.9387% | 1,103 |
| Total domestic deposits to total assets | 86.9718% | 2,783 |
| Equity capital to assets | 12.5203% | 1,803 |
| Core capital (leverage) ratio | 12.3743% | 1,407 |
| Tier 1 risk-based capital ratio | 20.3156% | 1,635 |
| Total risk-based capital ratio | 21.5690% | 1,602 |
| Memoranda: | ||
| Average total assets | $113,713,670 | 4,573 |
| Average earning assets | $104,255,330 | 4,559 |
| Average equity | $13,927,000 | 4,208 |
| Average total loans | $84,478,330 | 3,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 4,988 |
| Cost of funding earning assets | 1.1144% | 1,324 |
| Net interest margin | 3.1180% | 5,987 |
| Noninterest income to average assets | 0.3323% | 5,199 |
| Noninterest expense to average assets | 2.2632% | 5,870 |
| Loan and lease loss provision to assets | 0.2449% | 2,507 |
| Net operating income to assets | 0.4862% | 4,886 |
| Return on assets (ROA) | 0.4862% | 5,087 |
| Pretax return on assets | 0.6821% | 4,854 |
| Return on Equity (ROE) | 4.0140% | 5,289 |
| Retained earnings to average equity (ytd only) | 4.0140% | 4,178 |
| Net charge-offs to loans | 0.2975% | 2,471 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.2063% | 2,635 |
| Efficiency ratio | 70.9430% | 3,635 |
| Assets per employee ($millions) | 4.7228% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,985 |
| Loan loss allowance to noncurrent loans | 56.8096% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 2,700 |
| Noncurrent loans to loans | 1.8921% | 3,295 |
| Net loans and leases to total assets | 73.1576% | 1,193 |
| Net loans and leases to deposits | 83.8256% | 1,684 |
| Net loans and leases to core deposits | 97.7877% | 1,137 |
| Total domestic deposits to total assets | 87.2736% | 2,784 |
| Equity capital to assets | 12.2809% | 1,865 |
| Core capital (leverage) ratio | 12.1574% | 1,500 |
| Tier 1 risk-based capital ratio | 19.6126% | 1,806 |
| Total risk-based capital ratio | 20.8626% | 1,784 |
| Memoranda: | ||
| Average total assets | $114,350,000 | 4,587 |
| Average earning assets | $104,811,500 | 4,580 |
| Average equity | $13,851,500 | 4,226 |
| Average total loans | $84,714,500 | 3,985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 5,143 |
| Cost of funding earning assets | 1.4100% | 998 |
| Net interest margin | 3.0732% | 6,399 |
| Noninterest income to average assets | 0.2893% | 5,465 |
| Noninterest expense to average assets | 2.1211% | 6,447 |
| Loan and lease loss provision to assets | 0.2661% | 3,558 |
| Net operating income to assets | 0.4515% | 4,635 |
| Return on assets (ROA) | 0.4515% | 4,844 |
| Pretax return on assets | 0.6318% | 4,586 |
| Return on Equity (ROE) | 3.8937% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.8937% | 3,443 |
| Net charge-offs to loans | 0.2856% | 3,988 |
| Credit loss provision to net charge-offs | 125.5061% | 2,494 |
| Earnings coverage of net charge-offs (x) | 4.2348% | 3,208 |
| Efficiency ratio | 70.2587% | 3,894 |
| Assets per employee ($millions) | 5.0153% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,017 |
| Loan loss allowance to noncurrent loans | 72.0387% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.8283% | 3,218 |
| Noncurrent loans to loans | 1.4497% | 3,990 |
| Net loans and leases to total assets | 73.4372% | 1,369 |
| Net loans and leases to deposits | 83.9040% | 1,937 |
| Net loans and leases to core deposits | 98.6848% | 1,287 |
| Total domestic deposits to total assets | 87.5252% | 2,455 |
| Equity capital to assets | 11.9485% | 2,166 |
| Core capital (leverage) ratio | 11.8186% | 1,697 |
| Tier 1 risk-based capital ratio | 18.5721% | 2,024 |
| Total risk-based capital ratio | 19.7918% | 2,000 |
| Memoranda: | ||
| Average total assets | $116,496,600 | 4,494 |
| Average earning assets | $103,476,000 | 4,554 |
| Average equity | $13,509,000 | 4,237 |
| Average total loans | $86,492,000 | 3,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 5,046 |
| Cost of funding earning assets | 1.4803% | 928 |
| Net interest margin | 3.0783% | 6,432 |
| Noninterest income to average assets | 0.3048% | 5,423 |
| Noninterest expense to average assets | 2.1475% | 6,407 |
| Loan and lease loss provision to assets | 0.2854% | 3,233 |
| Net operating income to assets | 0.4224% | 4,897 |
| Return on assets (ROA) | 0.4224% | 5,086 |
| Pretax return on assets | 0.5880% | 4,853 |
| Return on Equity (ROE) | 3.6704% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.6704% | 4,142 |
| Net charge-offs to loans | 0.3813% | 3,206 |
| Credit loss provision to net charge-offs | 100.8065% | 3,335 |
| Earnings coverage of net charge-offs (x) | 3.0846% | 3,593 |
| Efficiency ratio | 71.0884% | 3,725 |
| Assets per employee ($millions) | 4.6320% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 6,378 |
| Loan loss allowance to noncurrent loans | 67.7236% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 3,114 |
| Noncurrent loans to loans | 1.4376% | 4,135 |
| Net loans and leases to total assets | 73.1675% | 1,474 |
| Net loans and leases to deposits | 83.3781% | 2,112 |
| Net loans and leases to core deposits | 98.5565% | 1,384 |
| Total domestic deposits to total assets | 87.7539% | 2,192 |
| Equity capital to assets | 11.7712% | 2,435 |
| Core capital (leverage) ratio | 11.6537% | 1,919 |
| Tier 1 risk-based capital ratio | 18.3731% | 2,126 |
| Total risk-based capital ratio | 19.5087% | 2,136 |
| Memoranda: | ||
| Average total assets | $116,782,500 | 4,513 |
| Average earning assets | $103,041,500 | 4,595 |
| Average equity | $13,440,500 | 4,258 |
| Average total loans | $86,713,500 | 3,983 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 4,758 |
| Cost of funding earning assets | 1.5441% | 854 |
| Net interest margin | 3.1058% | 6,396 |
| Noninterest income to average assets | 0.3040% | 5,464 |
| Noninterest expense to average assets | 2.1706% | 6,453 |
| Loan and lease loss provision to assets | 0.2818% | 3,125 |
| Net operating income to assets | 0.4065% | 4,914 |
| Return on assets (ROA) | 0.4065% | 5,075 |
| Pretax return on assets | 0.5653% | 4,858 |
| Return on Equity (ROE) | 3.5583% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.5583% | 3,973 |
| Net charge-offs to loans | 0.2021% | 3,935 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,571 |
| Efficiency ratio | 71.9298% | 3,747 |
| Assets per employee ($millions) | 4.8159% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,178 |
| Loan loss allowance to noncurrent loans | 79.5793% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8377% | 3,456 |
| Noncurrent loans to loans | 1.3094% | 4,456 |
| Net loans and leases to total assets | 74.6066% | 1,303 |
| Net loans and leases to deposits | 84.8981% | 1,964 |
| Net loans and leases to core deposits | 100.6302% | 1,288 |
| Total domestic deposits to total assets | 87.8778% | 2,225 |
| Equity capital to assets | 11.6793% | 2,342 |
| Core capital (leverage) ratio | 11.5591% | 1,872 |
| Tier 1 risk-based capital ratio | 17.9391% | 2,200 |
| Total risk-based capital ratio | 19.1599% | 2,158 |
| Memoranda: | ||
| Average total assets | $117,110,000 | 4,535 |
| Average earning assets | $102,323,330 | 4,641 |
| Average equity | $13,377,000 | 4,262 |
| Average total loans | $87,097,670 | 4,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 4,531 |
| Cost of funding earning assets | 1.5872% | 857 |
| Net interest margin | 3.1117% | 6,322 |
| Noninterest income to average assets | 0.1527% | 6,627 |
| Noninterest expense to average assets | 2.1277% | 6,574 |
| Loan and lease loss provision to assets | 0.2036% | 3,601 |
| Net operating income to assets | 0.3733% | 5,057 |
| Return on assets (ROA) | 0.3733% | 5,141 |
| Pretax return on assets | 0.5158% | 4,974 |
| Return on Equity (ROE) | 3.3043% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.3043% | 4,204 |
| Net charge-offs to loans | 0.4088% | 2,461 |
| Credit loss provision to net charge-offs | 67.4157% | 3,396 |
| Earnings coverage of net charge-offs (x) | 2.3820% | 3,129 |
| Efficiency ratio | 74.7318% | 3,384 |
| Assets per employee ($millions) | 4.8473% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,611 |
| Loan loss allowance to noncurrent loans | 109.8630% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 4,045 |
| Noncurrent loans to loans | 0.8490% | 5,349 |
| Net loans and leases to total assets | 73.2230% | 1,477 |
| Net loans and leases to deposits | 83.1347% | 2,165 |
| Net loans and leases to core deposits | 98.0231% | 1,524 |
| Total domestic deposits to total assets | 88.0775% | 2,334 |
| Equity capital to assets | 11.4935% | 2,275 |
| Core capital (leverage) ratio | 11.3907% | 1,913 |
| Tier 1 risk-based capital ratio | 17.8205% | 2,177 |
| Total risk-based capital ratio | 18.9003% | 2,206 |
| Memoranda: | ||
| Average total assets | $117,874,500 | 4,541 |
| Average earning assets | $102,067,500 | 4,682 |
| Average equity | $13,316,000 | 4,261 |
| Average total loans | $87,077,000 | 4,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 3,746 |
| Cost of funding earning assets | 1.9250% | 775 |
| Net interest margin | 3.2461% | 6,149 |
| Noninterest income to average assets | 0.4174% | 4,764 |
| Noninterest expense to average assets | 2.1651% | 6,705 |
| Loan and lease loss provision to assets | 0.3135% | 4,292 |
| Net operating income to assets | 0.5454% | 3,906 |
| Return on assets (ROA) | 0.5454% | 4,056 |
| Pretax return on assets | 0.7730% | 3,716 |
| Return on Equity (ROE) | 4.9075% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.9075% | 2,471 |
| Net charge-offs to loans | 0.2497% | 4,794 |
| Credit loss provision to net charge-offs | 162.2222% | 2,142 |
| Earnings coverage of net charge-offs (x) | 5.6222% | 2,578 |
| Efficiency ratio | 66.5874% | 4,846 |
| Assets per employee ($millions) | 5.1919% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,600 |
| Loan loss allowance to noncurrent loans | 81.5505% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 2.1932% | 3,106 |
| Noncurrent loans to loans | 1.1557% | 4,794 |
| Net loans and leases to total assets | 73.1380% | 1,842 |
| Net loans and leases to deposits | 82.6742% | 2,685 |
| Net loans and leases to core deposits | 98.2905% | 1,767 |
| Total domestic deposits to total assets | 88.4653% | 1,967 |
| Equity capital to assets | 11.1051% | 2,593 |
| Core capital (leverage) ratio | 10.9940% | 2,170 |
| Tier 1 risk-based capital ratio | 17.2840% | 2,234 |
| Total risk-based capital ratio | 18.3794% | 2,270 |
| Memoranda: | ||
| Average total assets | $116,437,000 | 4,565 |
| Average earning assets | $101,659,800 | 4,680 |
| Average equity | $12,939,400 | 4,374 |
| Average total loans | $90,111,000 | 4,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 3,371 |
| Cost of funding earning assets | 1.9966% | 759 |
| Net interest margin | 3.3000% | 6,018 |
| Noninterest income to average assets | 0.3630% | 5,253 |
| Noninterest expense to average assets | 2.2000% | 6,604 |
| Loan and lease loss provision to assets | 0.2420% | 4,665 |
| Net operating income to assets | 0.5716% | 4,000 |
| Return on assets (ROA) | 0.5716% | 4,167 |
| Pretax return on assets | 0.8125% | 3,858 |
| Return on Equity (ROE) | 5.1429% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.1429% | 2,880 |
| Net charge-offs to loans | 0.3311% | 4,006 |
| Credit loss provision to net charge-offs | 93.3333% | 4,646 |
| Earnings coverage of net charge-offs (x) | 4.0667% | 3,198 |
| Efficiency ratio | 67.5992% | 4,542 |
| Assets per employee ($millions) | 4.9392% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 7,100 |
| Loan loss allowance to noncurrent loans | 71.9915% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1604% | 3,254 |
| Noncurrent loans to loans | 1.0472% | 5,153 |
| Net loans and leases to total assets | 75.0744% | 1,573 |
| Net loans and leases to deposits | 84.8540% | 2,547 |
| Net loans and leases to core deposits | 98.8207% | 1,955 |
| Total domestic deposits to total assets | 88.4749% | 1,684 |
| Equity capital to assets | 11.0696% | 2,889 |
| Core capital (leverage) ratio | 10.9787% | 2,277 |
| Tier 1 risk-based capital ratio | 16.8006% | 2,409 |
| Total risk-based capital ratio | 17.6742% | 2,540 |
| Memoranda: | ||
| Average total assets | $115,692,750 | 4,643 |
| Average earning assets | $101,371,000 | 4,749 |
| Average equity | $12,859,000 | 4,466 |
| Average total loans | $90,596,750 | 4,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 3,101 |
| Cost of funding earning assets | 2.0664% | 741 |
| Net interest margin | 3.3043% | 6,002 |
| Noninterest income to average assets | 0.2649% | 6,020 |
| Noninterest expense to average assets | 2.2363% | 6,550 |
| Loan and lease loss provision to assets | 0.1743% | 5,123 |
| Net operating income to assets | 0.5316% | 4,187 |
| Return on assets (ROA) | 0.5316% | 4,338 |
| Pretax return on assets | 0.7530% | 4,056 |
| Return on Equity (ROE) | 4.7763% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.7763% | 3,029 |
| Net charge-offs to loans | 0.4950% | 3,057 |
| Credit loss provision to net charge-offs | 44.4444% | 5,531 |
| Earnings coverage of net charge-offs (x) | 2.3644% | 3,813 |
| Efficiency ratio | 70.6887% | 4,036 |
| Assets per employee ($millions) | 4.9957% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 7,376 |
| Loan loss allowance to noncurrent loans | 57.4771% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.1845% | 3,278 |
| Noncurrent loans to loans | 1.0903% | 5,140 |
| Net loans and leases to total assets | 77.9758% | 1,116 |
| Net loans and leases to deposits | 88.2396% | 2,135 |
| Net loans and leases to core deposits | 100.7795% | 1,939 |
| Total domestic deposits to total assets | 88.3682% | 1,793 |
| Equity capital to assets | 11.2532% | 2,634 |
| Core capital (leverage) ratio | 11.2006% | 2,107 |
| Tier 1 risk-based capital ratio | 16.9955% | 2,283 |
| Total risk-based capital ratio | 17.7420% | 2,423 |
| Memoranda: | ||
| Average total assets | $114,743,330 | 4,685 |
| Average earning assets | $100,656,330 | 4,789 |
| Average equity | $12,771,330 | 4,490 |
| Average total loans | $90,905,670 | 4,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 2,883 |
| Cost of funding earning assets | 2.1683% | 651 |
| Net interest margin | 3.2664% | 6,079 |
| Noninterest income to average assets | 0.1779% | 6,684 |
| Noninterest expense to average assets | 2.2361% | 6,591 |
| Loan and lease loss provision to assets | 0.1395% | 5,156 |
| Net operating income to assets | 0.4709% | 4,531 |
| Return on assets (ROA) | 0.4709% | 4,662 |
| Pretax return on assets | 0.6558% | 4,387 |
| Return on Equity (ROE) | 4.2546% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.2546% | 3,602 |
| Net charge-offs to loans | -0.0088% | 6,870 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7629% | 3,608 |
| Assets per employee ($millions) | 4.7738% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 7,095 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 2,345 |
| Noncurrent loans to loans | 1.1492% | 5,071 |
| Net loans and leases to total assets | 78.1234% | 1,128 |
| Net loans and leases to deposits | 88.3504% | 2,170 |
| Net loans and leases to core deposits | 101.4152% | 1,981 |
| Total domestic deposits to total assets | 88.4245% | 1,841 |
| Equity capital to assets | 11.1373% | 2,648 |
| Core capital (leverage) ratio | 11.0799% | 2,179 |
| Tier 1 risk-based capital ratio | 16.6557% | 2,388 |
| Total risk-based capital ratio | 17.6168% | 2,454 |
| Memoranda: | ||
| Average total assets | $114,664,500 | 4,752 |
| Average earning assets | $100,172,000 | 4,876 |
| Average equity | $12,692,000 | 4,543 |
| Average total loans | $91,278,500 | 4,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 3,534 |
| Cost of funding earning assets | 2.5843% | 815 |
| Net interest margin | 3.0303% | 6,563 |
| Noninterest income to average assets | 0.3768% | 5,401 |
| Noninterest expense to average assets | 2.2914% | 6,770 |
| Loan and lease loss provision to assets | 0.1792% | 5,913 |
| Net operating income to assets | 0.4444% | 3,953 |
| Return on assets (ROA) | 0.4444% | 4,072 |
| Pretax return on assets | 0.6034% | 3,895 |
| Return on Equity (ROE) | 4.0816% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.0816% | 2,363 |
| Net charge-offs to loans | 0.0331% | 6,796 |
| Credit loss provision to net charge-offs | 658.0645% | 442 |
| Earnings coverage of net charge-offs (x) | 28.7419% | 794 |
| Efficiency ratio | 74.5429% | 3,790 |
| Assets per employee ($millions) | 4.7816% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 7,271 |
| Loan loss allowance to noncurrent loans | 29.4168% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 3.5143% | 1,909 |
| Noncurrent loans to loans | 2.5444% | 3,009 |
| Net loans and leases to total assets | 79.8438% | 1,023 |
| Net loans and leases to deposits | 90.1717% | 2,191 |
| Net loans and leases to core deposits | 135.3982% | 982 |
| Total domestic deposits to total assets | 88.5464% | 1,704 |
| Equity capital to assets | 11.0004% | 2,703 |
| Core capital (leverage) ratio | 10.9710% | 2,241 |
| Tier 1 risk-based capital ratio | 16.4978% | 2,317 |
| Total risk-based capital ratio | 17.4036% | 2,387 |
| Memoranda: | ||
| Average total assets | $113,862,800 | 4,731 |
| Average earning assets | $101,343,600 | 4,803 |
| Average equity | $12,397,200 | 4,656 |
| Average total loans | $93,519,400 | 4,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6512% | 3,569 |
| Cost of funding earning assets | 2.6410% | 929 |
| Net interest margin | 3.0102% | 6,580 |
| Noninterest income to average assets | 0.3661% | 5,576 |
| Noninterest expense to average assets | 2.3055% | 6,690 |
| Loan and lease loss provision to assets | 0.1291% | 6,060 |
| Net operating income to assets | 0.4576% | 4,171 |
| Return on assets (ROA) | 0.4576% | 4,278 |
| Pretax return on assets | 0.6195% | 4,129 |
| Return on Equity (ROE) | 4.2137% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.2137% | 2,919 |
| Net charge-offs to loans | 0.0512% | 6,197 |
| Credit loss provision to net charge-offs | 305.5556% | 1,352 |
| Earnings coverage of net charge-offs (x) | 17.7219% | 1,388 |
| Efficiency ratio | 75.4898% | 3,590 |
| Assets per employee ($millions) | 4.7498% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 7,524 |
| Loan loss allowance to noncurrent loans | 32.2968% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 3.0852% | 2,224 |
| Noncurrent loans to loans | 1.9527% | 3,703 |
| Net loans and leases to total assets | 81.8273% | 838 |
| Net loans and leases to deposits | 92.3372% | 2,183 |
| Net loans and leases to core deposits | 138.3182% | 998 |
| Total domestic deposits to total assets | 88.6179% | 1,381 |
| Equity capital to assets | 10.9715% | 3,039 |
| Core capital (leverage) ratio | 10.9715% | 2,422 |
| Tier 1 risk-based capital ratio | 16.6449% | 2,375 |
| Total risk-based capital ratio | 17.4328% | 2,503 |
| Memoranda: | ||
| Average total assets | $113,638,750 | 4,757 |
| Average earning assets | $101,475,250 | 4,832 |
| Average equity | $12,340,500 | 4,702 |
| Average total loans | $93,819,500 | 4,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 3,419 |
| Cost of funding earning assets | 2.6705% | 1,108 |
| Net interest margin | 3.0523% | 6,394 |
| Noninterest income to average assets | 0.3876% | 5,399 |
| Noninterest expense to average assets | 2.3379% | 6,650 |
| Loan and lease loss provision to assets | 0.0176% | 7,043 |
| Net operating income to assets | 0.5479% | 3,891 |
| Return on assets (ROA) | 0.5479% | 4,011 |
| Pretax return on assets | 0.7505% | 3,827 |
| Return on Equity (ROE) | 5.0631% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.0631% | 2,476 |
| Net charge-offs to loans | 0.0576% | 5,691 |
| Credit loss provision to net charge-offs | 37.0370% | 5,942 |
| Earnings coverage of net charge-offs (x) | 16.1481% | 1,545 |
| Efficiency ratio | 75.2694% | 3,834 |
| Assets per employee ($millions) | 4.8213% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 7,734 |
| Loan loss allowance to noncurrent loans | 20.7711% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 3.3878% | 1,849 |
| Noncurrent loans to loans | 2.6135% | 2,767 |
| Net loans and leases to total assets | 79.3252% | 1,453 |
| Net loans and leases to deposits | 89.2862% | 2,937 |
| Net loans and leases to core deposits | 142.4527% | 916 |
| Total domestic deposits to total assets | 88.8438% | 1,355 |
| Equity capital to assets | 10.7406% | 3,169 |
| Core capital (leverage) ratio | 10.7406% | 2,618 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,466 |
| Total risk-based capital ratio | 17.1007% | 2,618 |
| Memoranda: | ||
| Average total assets | $113,520,000 | 4,786 |
| Average earning assets | $101,105,330 | 4,870 |
| Average equity | $12,285,000 | 4,742 |
| Average total loans | $93,802,330 | 4,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 2,425 |
| Cost of funding earning assets | 2.7152% | 1,226 |
| Net interest margin | 3.2686% | 5,621 |
| Noninterest income to average assets | 0.2633% | 6,349 |
| Noninterest expense to average assets | 2.1134% | 7,084 |
| Loan and lease loss provision to assets | 0.1423% | 5,124 |
| Net operating income to assets | 0.6831% | 3,640 |
| Return on assets (ROA) | 0.6831% | 3,827 |
| Pretax return on assets | 0.9286% | 3,608 |
| Return on Equity (ROE) | 6.2881% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.2881% | 2,505 |
| Net charge-offs to loans | 0.0212% | 5,265 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 646 |
| Efficiency ratio | 66.3687% | 5,252 |
| Assets per employee ($millions) | 4.9086% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 7,741 |
| Loan loss allowance to noncurrent loans | 33.2505% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5909% | 2,209 |
| Noncurrent loans to loans | 1.6736% | 3,750 |
| Net loans and leases to total assets | 84.6834% | 597 |
| Net loans and leases to deposits | 95.4628% | 2,039 |
| Net loans and leases to core deposits | 149.5347% | 723 |
| Total domestic deposits to total assets | 88.7083% | 1,378 |
| Equity capital to assets | 10.9029% | 3,068 |
| Core capital (leverage) ratio | 10.9029% | 2,581 |
| Tier 1 risk-based capital ratio | 16.2091% | 2,610 |
| Total risk-based capital ratio | 16.9136% | 2,731 |
| Memoranda: | ||
| Average total assets | $112,424,500 | 4,838 |
| Average earning assets | $100,471,000 | 4,905 |
| Average equity | $12,213,500 | 4,781 |
| Average total loans | $94,559,000 | 4,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0696% | 5,206 |
| Cost of funding earning assets | 3.2593% | 1,026 |
| Net interest margin | 2.8103% | 7,313 |
| Noninterest income to average assets | 0.2825% | 6,443 |
| Noninterest expense to average assets | 1.9893% | 7,459 |
| Loan and lease loss provision to assets | 0.1160% | 5,893 |
| Net operating income to assets | 0.5385% | 4,586 |
| Return on assets (ROA) | 0.5385% | 4,432 |
| Pretax return on assets | 0.7661% | 4,194 |
| Return on Equity (ROE) | 5.1577% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.1577% | 1,929 |
| Net charge-offs to loans | 0.0197% | 6,582 |
| Credit loss provision to net charge-offs | 727.7778% | 573 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 714 |
| Efficiency ratio | 69.2782% | 4,483 |
| Assets per employee ($millions) | 4.6647% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5367% | 7,789 |
| Loan loss allowance to noncurrent loans | 29.4569% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 1,832 |
| Noncurrent loans to loans | 1.8219% | 3,030 |
| Net loans and leases to total assets | 82.6059% | 1,121 |
| Net loans and leases to deposits | 93.0400% | 2,950 |
| Net loans and leases to core deposits | 133.8936% | 1,602 |
| Total domestic deposits to total assets | 88.7854% | 1,116 |
| Equity capital to assets | 10.8243% | 3,185 |
| Core capital (leverage) ratio | 10.8243% | 2,729 |
| Tier 1 risk-based capital ratio | 16.3300% | 2,547 |
| Total risk-based capital ratio | 17.0024% | 2,696 |
| Memoranda: | ||
| Average total assets | $112,902,200 | 4,697 |
| Average earning assets | $104,009,400 | 4,682 |
| Average equity | $11,788,200 | 4,892 |
| Average total loans | $91,491,200 | 4,176 |