Home > Northwest Bank & Trust Company > Performance and Condition Ratios
Northwest Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.9875% | 1,268 |
| Cost of funding earning assets | 2.0555% | 2,077 |
| Net interest margin | 3.9320% | 1,255 |
| Noninterest income to average assets | 4.7600% | 136 |
| Noninterest expense to average assets | 5.3206% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.8317% | 163 |
| Return on assets (ROA) | 2.8317% | 166 |
| Pretax return on assets | 3.0217% | 193 |
| Return on Equity (ROE) | 30.5300% | 104 |
| Retained earnings to average equity (ytd only) | 1.6490% | 3,551 |
| Net charge-offs to loans | -0.0060% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.7784% | 2,738 |
| Assets per employee ($millions) | 3.0057% | 4,315 |
| Cash dividends to net income (ytd only)* | 94.5983% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 853 |
| Loan loss allowance to noncurrent loans | 18,766.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,790 |
| Noncurrent loans to loans | 0.0085% | 3,737 |
| Net loans and leases to total assets | 43.9800% | 3,900 |
| Net loans and leases to deposits | 50.2638% | 3,944 |
| Net loans and leases to core deposits | 52.1441% | 3,997 |
| Total domestic deposits to total assets | 87.5000% | 1,424 |
| Equity capital to assets | 9.3928% | 2,752 |
| Core capital (leverage) ratio | 9.4393% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $241,447,500 | 2,747 |
| Average earning assets | $219,897,250 | 2,766 |
| Average equity | $22,397,250 | 2,800 |
| Average total loans | $111,910,250 | 3,084 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9962% | 1,170 |
| Cost of funding earning assets | 2.0675% | 1,962 |
| Net interest margin | 3.9287% | 1,219 |
| Noninterest income to average assets | 4.8900% | 141 |
| Noninterest expense to average assets | 5.4625% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.8001% | 179 |
| Return on assets (ROA) | 2.8001% | 182 |
| Pretax return on assets | 3.0085% | 203 |
| Return on Equity (ROE) | 30.3100% | 126 |
| Retained earnings to average equity (ytd only) | -3.5134% | 4,245 |
| Net charge-offs to loans | -0.0053% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.4851% | 2,709 |
| Assets per employee ($millions) | 2.9382% | 4,346 |
| Cash dividends to net income (ytd only)* | 111.5916% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,151 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 47.5000% | 3,770 |
| Net loans and leases to deposits | 54.1688% | 3,806 |
| Net loans and leases to core deposits | 56.0298% | 3,902 |
| Total domestic deposits to total assets | 87.6900% | 1,429 |
| Equity capital to assets | 9.2035% | 2,607 |
| Core capital (leverage) ratio | 9.0559% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $242,781,000 | 2,736 |
| Average earning assets | $221,141,000 | 2,757 |
| Average equity | $22,428,667 | 2,756 |
| Average total loans | $113,840,333 | 3,063 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 1,016 |
| Cost of funding earning assets | 2.1311% | 1,707 |
| Net interest margin | 3.9022% | 1,223 |
| Noninterest income to average assets | 5.0400% | 133 |
| Noninterest expense to average assets | 5.5399% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.9013% | 177 |
| Return on assets (ROA) | 2.9013% | 177 |
| Pretax return on assets | 3.0538% | 212 |
| Return on Equity (ROE) | 31.3500% | 122 |
| Retained earnings to average equity (ytd only) | 28.0376% | 70 |
| Net charge-offs to loans | 0.0035% | 2,027 |
| Credit loss provision to net charge-offs | -900.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | 1,883.0000% | 33 |
| Efficiency ratio | 64.4650% | 2,761 |
| Assets per employee ($millions) | 2.5578% | 4,401 |
| Cash dividends to net income (ytd only)* | 10.5646% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 1,241 |
| Loan loss allowance to noncurrent loans | 94.6459% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 870 |
| Noncurrent loans to loans | 1.5239% | 529 |
| Net loans and leases to total assets | 45.7500% | 3,819 |
| Net loans and leases to deposits | 53.0050% | 3,815 |
| Net loans and leases to core deposits | 55.7730% | 3,910 |
| Total domestic deposits to total assets | 86.3200% | 1,988 |
| Equity capital to assets | 9.6221% | 2,245 |
| Core capital (leverage) ratio | 9.4118% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $246,645,500 | 2,720 |
| Average earning assets | $224,490,000 | 2,742 |
| Average equity | $22,826,500 | 2,742 |
| Average total loans | $114,101,000 | 3,063 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 915 |
| Cost of funding earning assets | 1.5690% | 1,774 |
| Net interest margin | 4.1411% | 1,020 |
| Noninterest income to average assets | 4.4200% | 135 |
| Noninterest expense to average assets | 5.6138% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.4387% | 255 |
| Return on assets (ROA) | 2.4387% | 247 |
| Pretax return on assets | 2.5740% | 315 |
| Return on Equity (ROE) | 27.0400% | 252 |
| Retained earnings to average equity (ytd only) | 8.6148% | 1,361 |
| Net charge-offs to loans | -0.0098% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.5632% | 2,049 |
| Assets per employee ($millions) | 3.0968% | 4,367 |
| Cash dividends to net income (ytd only)* | 68.1408% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,209 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 45.4300% | 3,839 |
| Net loans and leases to deposits | 52.7769% | 3,841 |
| Net loans and leases to core deposits | 55.6456% | 3,926 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 8.8907% | 2,753 |
| Core capital (leverage) ratio | 9.0163% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $241,066,200 | 2,729 |
| Average earning assets | $219,118,000 | 2,746 |
| Average equity | $21,741,600 | 2,716 |
| Average total loans | $112,224,000 | 3,028 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6499% | 852 |
| Cost of funding earning assets | 1.4592% | 1,713 |
| Net interest margin | 4.1907% | 935 |
| Noninterest income to average assets | 4.5900% | 134 |
| Noninterest expense to average assets | 5.4569% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.7841% | 206 |
| Return on assets (ROA) | 2.7841% | 206 |
| Pretax return on assets | 2.9401% | 247 |
| Return on Equity (ROE) | 30.7600% | 209 |
| Retained earnings to average equity (ytd only) | 16.6243% | 413 |
| Net charge-offs to loans | -0.0072% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9864% | 2,392 |
| Assets per employee ($millions) | 3.0870% | 4,383 |
| Cash dividends to net income (ytd only)* | 45.9492% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.5100% | 3,808 |
| Net loans and leases to deposits | 54.4191% | 3,773 |
| Net loans and leases to core deposits | 57.2357% | 3,806 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 9.4919% | 2,101 |
| Core capital (leverage) ratio | 9.4678% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,397,250 | 2,751 |
| Average earning assets | $217,460,250 | 2,769 |
| Average equity | $21,670,500 | 2,710 |
| Average total loans | $111,726,250 | 3,039 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 871 |
| Cost of funding earning assets | 1.3318% | 1,628 |
| Net interest margin | 4.1426% | 1,015 |
| Noninterest income to average assets | 4.7900% | 125 |
| Noninterest expense to average assets | 5.6191% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7907% | 175 |
| Return on assets (ROA) | 2.7907% | 174 |
| Pretax return on assets | 2.9372% | 218 |
| Return on Equity (ROE) | 31.3400% | 193 |
| Retained earnings to average equity (ytd only) | 16.2345% | 445 |
| Net charge-offs to loans | -0.0072% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6721% | 2,286 |
| Assets per employee ($millions) | 3.0340% | 4,428 |
| Cash dividends to net income (ytd only)* | 48.2004% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,127 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.8700% | 3,799 |
| Net loans and leases to deposits | 53.6999% | 3,765 |
| Net loans and leases to core deposits | 56.1010% | 3,812 |
| Total domestic deposits to total assets | 85.4100% | 2,424 |
| Equity capital to assets | 9.1290% | 2,423 |
| Core capital (leverage) ratio | 9.1385% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $238,935,000 | 2,757 |
| Average earning assets | $217,157,667 | 2,778 |
| Average equity | $21,275,667 | 2,752 |
| Average total loans | $111,105,333 | 3,044 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 738 |
| Cost of funding earning assets | 1.1617% | 1,554 |
| Net interest margin | 4.2277% | 903 |
| Noninterest income to average assets | 4.7800% | 130 |
| Noninterest expense to average assets | 5.7277% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7498% | 194 |
| Return on assets (ROA) | 2.7498% | 189 |
| Pretax return on assets | 2.8940% | 225 |
| Return on Equity (ROE) | 31.2800% | 212 |
| Retained earnings to average equity (ytd only) | 31.2783% | 104 |
| Net charge-offs to loans | -0.0036% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.4333% | 2,163 |
| Assets per employee ($millions) | 2.7313% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,011.9760% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,114 |
| Noncurrent loans to loans | 0.1496% | 2,745 |
| Net loans and leases to total assets | 45.2300% | 3,813 |
| Net loans and leases to deposits | 52.6294% | 3,759 |
| Net loans and leases to core deposits | 54.9426% | 3,795 |
| Total domestic deposits to total assets | 85.9300% | 2,614 |
| Equity capital to assets | 8.9653% | 2,552 |
| Core capital (leverage) ratio | 9.1764% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $238,559,000 | 2,804 |
| Average earning assets | $216,573,500 | 2,821 |
| Average equity | $20,973,000 | 2,798 |
| Average total loans | $110,844,000 | 3,091 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 1,793 |
| Cost of funding earning assets | 0.3954% | 2,145 |
| Net interest margin | 3.5748% | 1,717 |
| Noninterest income to average assets | 3.5200% | 156 |
| Noninterest expense to average assets | 4.7279% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9021% | 353 |
| Return on assets (ROA) | 1.9021% | 343 |
| Pretax return on assets | 2.0025% | 478 |
| Return on Equity (ROE) | 20.4300% | 438 |
| Retained earnings to average equity (ytd only) | -0.0439% | 4,365 |
| Net charge-offs to loans | 0.0172% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 607 |
| Efficiency ratio | 70.2469% | 1,647 |
| Assets per employee ($millions) | 3.0794% | 4,516 |
| Cash dividends to net income (ytd only)* | 100.2148% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,108 |
| Loan loss allowance to noncurrent loans | 1,835.8696% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,408 |
| Noncurrent loans to loans | 0.0836% | 3,158 |
| Net loans and leases to total assets | 46.3100% | 3,781 |
| Net loans and leases to deposits | 54.4094% | 3,657 |
| Net loans and leases to core deposits | 56.1811% | 3,712 |
| Total domestic deposits to total assets | 85.1100% | 2,966 |
| Equity capital to assets | 8.6111% | 2,625 |
| Core capital (leverage) ratio | 9.3991% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $220,226,400 | 2,902 |
| Average earning assets | $198,024,400 | 2,953 |
| Average equity | $20,501,000 | 2,908 |
| Average total loans | $115,947,200 | 2,962 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 1,974 |
| Cost of funding earning assets | 0.3418% | 1,771 |
| Net interest margin | 3.3787% | 2,041 |
| Noninterest income to average assets | 3.8000% | 154 |
| Noninterest expense to average assets | 4.7815% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9491% | 312 |
| Return on assets (ROA) | 1.9491% | 306 |
| Pretax return on assets | 2.0519% | 418 |
| Return on Equity (ROE) | 20.5200% | 394 |
| Retained earnings to average equity (ytd only) | 1.3082% | 4,173 |
| Net charge-offs to loans | 0.0238% | 1,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 158.8571% | 722 |
| Efficiency ratio | 69.9730% | 1,765 |
| Assets per employee ($millions) | 2.9824% | 4,573 |
| Cash dividends to net income (ytd only)* | 93.6257% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,200 |
| Loan loss allowance to noncurrent loans | 164.0428% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 709 |
| Noncurrent loans to loans | 0.9369% | 832 |
| Net loans and leases to total assets | 51.0700% | 3,380 |
| Net loans and leases to deposits | 60.3700% | 3,165 |
| Net loans and leases to core deposits | 61.3313% | 3,277 |
| Total domestic deposits to total assets | 84.6000% | 3,366 |
| Equity capital to assets | 9.6175% | 1,818 |
| Core capital (leverage) ratio | 9.4141% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,774,000 | 2,952 |
| Average earning assets | $194,626,000 | 2,987 |
| Average equity | $20,588,000 | 2,938 |
| Average total loans | $117,419,000 | 2,955 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 2,220 |
| Cost of funding earning assets | 0.3131% | 1,592 |
| Net interest margin | 3.1587% | 2,335 |
| Noninterest income to average assets | 3.9762% | 116 |
| Noninterest expense to average assets | 4.7819% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9190% | 263 |
| Return on assets (ROA) | 1.9190% | 263 |
| Pretax return on assets | 2.0206% | 363 |
| Return on Equity (ROE) | 20.2881% | 290 |
| Retained earnings to average equity (ytd only) | 8.8567% | 1,329 |
| Net charge-offs to loans | 0.0367% | 1,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 100.3182% | 811 |
| Efficiency ratio | 70.2961% | 1,918 |
| Assets per employee ($millions) | 3.1440% | 4,610 |
| Cash dividends to net income (ytd only)* | 56.3454% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,429 |
| Loan loss allowance to noncurrent loans | 1,060.3774% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 1,703 |
| Noncurrent loans to loans | 0.1407% | 3,003 |
| Net loans and leases to total assets | 52.0660% | 3,148 |
| Net loans and leases to deposits | 61.4491% | 2,931 |
| Net loans and leases to core deposits | 62.4156% | 3,081 |
| Total domestic deposits to total assets | 84.7303% | 3,544 |
| Equity capital to assets | 9.8592% | 1,796 |
| Core capital (leverage) ratio | 9.6003% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,449,000 | 2,961 |
| Average earning assets | $195,459,333 | 3,024 |
| Average equity | $20,662,333 | 3,002 |
| Average total loans | $119,946,667 | 2,946 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 2,298 |
| Cost of funding earning assets | 0.2777% | 1,846 |
| Net interest margin | 3.0511% | 2,323 |
| Noninterest income to average assets | 3.8772% | 126 |
| Noninterest expense to average assets | 4.8429% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6723% | 434 |
| Return on assets (ROA) | 1.6723% | 436 |
| Pretax return on assets | 1.7610% | 605 |
| Return on Equity (ROE) | 18.0498% | 335 |
| Retained earnings to average equity (ytd only) | 11.4009% | 707 |
| Net charge-offs to loans | -0.0065% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 1,820 |
| Assets per employee ($millions) | 2.7284% | 4,680 |
| Cash dividends to net income (ytd only)* | 36.8364% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,836 |
| Loan loss allowance to noncurrent loans | 855.0000% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 1,779 |
| Noncurrent loans to loans | 0.1659% | 2,982 |
| Net loans and leases to total assets | 53.7645% | 2,789 |
| Net loans and leases to deposits | 63.4952% | 2,574 |
| Net loans and leases to core deposits | 65.1325% | 2,707 |
| Total domestic deposits to total assets | 84.6749% | 3,620 |
| Equity capital to assets | 9.3875% | 2,374 |
| Core capital (leverage) ratio | 9.5402% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0869% | 1,489 |
| Memoranda: | ||
| Average total assets | $220,778,500 | 2,958 |
| Average earning assets | $197,306,000 | 3,022 |
| Average equity | $20,454,500 | 3,109 |
| Average total loans | $123,421,000 | 2,915 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 1,263 |
| Cost of funding earning assets | 0.3273% | 2,140 |
| Net interest margin | 3.7139% | 1,180 |
| Noninterest income to average assets | 2.9009% | 193 |
| Noninterest expense to average assets | 4.3795% | 227 |
| Loan and lease loss provision to assets | 0.0083% | 2,916 |
| Net operating income to assets | 1.7372% | 587 |
| Return on assets (ROA) | 1.7372% | 607 |
| Pretax return on assets | 1.8288% | 859 |
| Return on Equity (ROE) | 19.7182% | 323 |
| Retained earnings to average equity (ytd only) | 6.7576% | 2,017 |
| Net charge-offs to loans | 0.0179% | 1,925 |
| Credit loss provision to net charge-offs | 79.1667% | 1,956 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 589 |
| Efficiency ratio | 70.4483% | 1,686 |
| Assets per employee ($millions) | 3.0633% | 4,679 |
| Cash dividends to net income (ytd only)* | 65.7293% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,121 |
| Loan loss allowance to noncurrent loans | 762.5000% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 1,851 |
| Noncurrent loans to loans | 0.1773% | 3,056 |
| Net loans and leases to total assets | 56.4953% | 2,541 |
| Net loans and leases to deposits | 66.6171% | 2,450 |
| Net loans and leases to core deposits | 68.3308% | 2,618 |
| Total domestic deposits to total assets | 84.8059% | 3,325 |
| Equity capital to assets | 9.1417% | 3,467 |
| Core capital (leverage) ratio | 9.2603% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2311% | 1,764 |
| Memoranda: | ||
| Average total assets | $229,270,600 | 2,850 |
| Average earning assets | $204,688,400 | 2,919 |
| Average equity | $20,199,600 | 3,200 |
| Average total loans | $134,166,200 | 2,796 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 1,331 |
| Cost of funding earning assets | 0.3375% | 2,226 |
| Net interest margin | 3.7510% | 1,223 |
| Noninterest income to average assets | 2.9581% | 199 |
| Noninterest expense to average assets | 4.2214% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9869% | 478 |
| Return on assets (ROA) | 1.9869% | 503 |
| Pretax return on assets | 2.0911% | 683 |
| Return on Equity (ROE) | 22.7553% | 262 |
| Retained earnings to average equity (ytd only) | 13.0501% | 630 |
| Net charge-offs to loans | -0.0118% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8735% | 1,987 |
| Assets per employee ($millions) | 2.8456% | 4,778 |
| Cash dividends to net income (ytd only)* | 42.6500% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,370 |
| Loan loss allowance to noncurrent loans | 400.4640% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 538 |
| Noncurrent loans to loans | 0.3310% | 2,596 |
| Net loans and leases to total assets | 60.1969% | 2,231 |
| Net loans and leases to deposits | 71.7711% | 2,072 |
| Net loans and leases to core deposits | 73.7005% | 2,268 |
| Total domestic deposits to total assets | 83.8734% | 3,491 |
| Equity capital to assets | 9.7344% | 3,166 |
| Core capital (leverage) ratio | 9.4753% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4473% | 1,504 |
| Memoranda: | ||
| Average total assets | $231,448,250 | 2,867 |
| Average earning assets | $206,979,000 | 2,927 |
| Average equity | $20,208,750 | 3,229 |
| Average total loans | $136,129,250 | 2,810 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 1,215 |
| Cost of funding earning assets | 0.3458% | 2,352 |
| Net interest margin | 3.8403% | 1,082 |
| Noninterest income to average assets | 2.9900% | 185 |
| Noninterest expense to average assets | 4.0445% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2682% | 298 |
| Return on assets (ROA) | 2.2682% | 316 |
| Pretax return on assets | 2.3878% | 418 |
| Return on Equity (ROE) | 26.9031% | 150 |
| Retained earnings to average equity (ytd only) | 26.2238% | 61 |
| Net charge-offs to loans | -0.0145% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8781% | 2,601 |
| Assets per employee ($millions) | 2.9886% | 4,785 |
| Cash dividends to net income (ytd only)* | 2.5251% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,392 |
| Loan loss allowance to noncurrent loans | 103.4835% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 315 |
| Noncurrent loans to loans | 1.2642% | 937 |
| Net loans and leases to total assets | 58.7738% | 2,572 |
| Net loans and leases to deposits | 69.3253% | 2,486 |
| Net loans and leases to core deposits | 71.9939% | 2,606 |
| Total domestic deposits to total assets | 84.7798% | 3,186 |
| Equity capital to assets | 9.6870% | 3,163 |
| Core capital (leverage) ratio | 8.9421% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6665% | 1,427 |
| Memoranda: | ||
| Average total assets | $237,458,333 | 2,824 |
| Average earning assets | $212,849,333 | 2,883 |
| Average equity | $20,020,000 | 3,235 |
| Average total loans | $138,106,667 | 2,800 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 2,404 |
| Cost of funding earning assets | 0.3516% | 2,505 |
| Net interest margin | 3.3318% | 2,295 |
| Noninterest income to average assets | 2.6758% | 241 |
| Noninterest expense to average assets | 3.8988% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6970% | 941 |
| Return on assets (ROA) | 1.6970% | 988 |
| Pretax return on assets | 1.7866% | 1,316 |
| Return on Equity (ROE) | 21.5752% | 424 |
| Retained earnings to average equity (ytd only) | 21.5752% | 222 |
| Net charge-offs to loans | -0.0226% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5763% | 1,865 |
| Assets per employee ($millions) | 3.2011% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,953 |
| Loan loss allowance to noncurrent loans | 83.6249% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 356 |
| Noncurrent loans to loans | 1.4304% | 883 |
| Net loans and leases to total assets | 57.6721% | 2,835 |
| Net loans and leases to deposits | 66.4953% | 2,865 |
| Net loans and leases to core deposits | 67.9872% | 3,061 |
| Total domestic deposits to total assets | 86.7310% | 2,426 |
| Equity capital to assets | 8.0488% | 4,463 |
| Core capital (leverage) ratio | 8.1305% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5948% | 1,708 |
| Memoranda: | ||
| Average total assets | $245,611,000 | 2,754 |
| Average earning assets | $221,862,500 | 2,803 |
| Average equity | $19,318,500 | 3,299 |
| Average total loans | $141,308,500 | 2,769 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 3,369 |
| Cost of funding earning assets | 0.5073% | 2,908 |
| Net interest margin | 3.2694% | 3,160 |
| Noninterest income to average assets | 2.7734% | 219 |
| Noninterest expense to average assets | 4.0178% | 377 |
| Loan and lease loss provision to assets | 0.1341% | 2,684 |
| Net operating income to assets | 1.4940% | 822 |
| Return on assets (ROA) | 1.4940% | 900 |
| Pretax return on assets | 1.5725% | 1,128 |
| Return on Equity (ROE) | 17.5994% | 361 |
| Retained earnings to average equity (ytd only) | 9.5530% | 673 |
| Net charge-offs to loans | 0.0438% | 2,186 |
| Credit loss provision to net charge-offs | 491.2281% | 1,268 |
| Earnings coverage of net charge-offs (x) | 62.5088% | 1,051 |
| Efficiency ratio | 70.1866% | 1,926 |
| Assets per employee ($millions) | 3.5469% | 4,633 |
| Cash dividends to net income (ytd only)* | 45.7198% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,775 |
| Loan loss allowance to noncurrent loans | 79.3056% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.6998% | 388 |
| Noncurrent loans to loans | 1.5568% | 851 |
| Net loans and leases to total assets | 55.9907% | 3,304 |
| Net loans and leases to deposits | 64.1715% | 3,426 |
| Net loans and leases to core deposits | 65.4459% | 3,589 |
| Total domestic deposits to total assets | 87.2516% | 1,820 |
| Equity capital to assets | 7.6809% | 4,806 |
| Core capital (leverage) ratio | 7.6198% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8667% | 2,684 |
| Memoranda: | ||
| Average total assets | $208,771,000 | 2,870 |
| Average earning assets | $188,446,200 | 2,923 |
| Average equity | $17,722,200 | 3,396 |
| Average total loans | $130,178,600 | 2,867 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,503 |
| Cost of funding earning assets | 0.5427% | 2,972 |
| Net interest margin | 3.2785% | 3,252 |
| Noninterest income to average assets | 2.8798% | 197 |
| Noninterest expense to average assets | 4.0550% | 366 |
| Loan and lease loss provision to assets | 0.1842% | 2,142 |
| Net operating income to assets | 1.5083% | 887 |
| Return on assets (ROA) | 1.5083% | 967 |
| Pretax return on assets | 1.5877% | 1,219 |
| Return on Equity (ROE) | 17.2647% | 419 |
| Retained earnings to average equity (ytd only) | 9.2741% | 920 |
| Net charge-offs to loans | 0.0594% | 1,758 |
| Credit loss provision to net charge-offs | 484.2105% | 1,312 |
| Earnings coverage of net charge-offs (x) | 46.5789% | 1,245 |
| Efficiency ratio | 69.5911% | 1,948 |
| Assets per employee ($millions) | 4.1681% | 4,172 |
| Cash dividends to net income (ytd only)* | 46.2832% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,559 |
| Loan loss allowance to noncurrent loans | 70.6320% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 351 |
| Noncurrent loans to loans | 1.7262% | 784 |
| Net loans and leases to total assets | 60.4331% | 3,177 |
| Net loans and leases to deposits | 69.6669% | 3,338 |
| Net loans and leases to core deposits | 71.1521% | 3,548 |
| Total domestic deposits to total assets | 86.7457% | 1,751 |
| Equity capital to assets | 7.9905% | 4,715 |
| Core capital (leverage) ratio | 7.8750% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5540% | 1,636 |
| Memoranda: | ||
| Average total assets | $199,779,500 | 2,922 |
| Average earning assets | $179,590,500 | 2,985 |
| Average equity | $17,453,250 | 3,424 |
| Average total loans | $128,037,500 | 2,892 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,205 |
| Cost of funding earning assets | 0.5741% | 3,111 |
| Net interest margin | 3.4714% | 2,877 |
| Noninterest income to average assets | 2.7796% | 185 |
| Noninterest expense to average assets | 4.3705% | 284 |
| Loan and lease loss provision to assets | 0.2316% | 1,815 |
| Net operating income to assets | 1.2203% | 1,582 |
| Return on assets (ROA) | 1.2203% | 1,705 |
| Pretax return on assets | 1.2845% | 2,089 |
| Return on Equity (ROE) | 13.5042% | 977 |
| Retained earnings to average equity (ytd only) | 1.3166% | 4,003 |
| Net charge-offs to loans | -0.0048% | 4,008 |
| Credit loss provision to net charge-offs | -7,333.3333% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2443% | 1,439 |
| Assets per employee ($millions) | 3.9553% | 4,354 |
| Cash dividends to net income (ytd only)* | 90.2502% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,409 |
| Loan loss allowance to noncurrent loans | 66.0756% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.0462% | 340 |
| Noncurrent loans to loans | 1.8482% | 752 |
| Net loans and leases to total assets | 60.4337% | 3,274 |
| Net loans and leases to deposits | 69.1810% | 3,484 |
| Net loans and leases to core deposits | 69.8530% | 3,719 |
| Total domestic deposits to total assets | 87.3560% | 1,470 |
| Equity capital to assets | 7.5051% | 4,872 |
| Core capital (leverage) ratio | 8.4774% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3885% | 2,034 |
| Memoranda: | ||
| Average total assets | $189,957,000 | 2,986 |
| Average earning assets | $170,016,000 | 3,047 |
| Average equity | $17,165,000 | 3,454 |
| Average total loans | $123,966,333 | 2,931 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,166 |
| Cost of funding earning assets | 0.6413% | 3,217 |
| Net interest margin | 3.9059% | 1,658 |
| Noninterest income to average assets | 3.1533% | 143 |
| Noninterest expense to average assets | 5.1600% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3840% | 1,028 |
| Return on assets (ROA) | 1.3840% | 1,104 |
| Pretax return on assets | 1.4568% | 1,422 |
| Return on Equity (ROE) | 13.7464% | 749 |
| Retained earnings to average equity (ytd only) | 1.6337% | 3,566 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9830% | 1,336 |
| Assets per employee ($millions) | 2.7935% | 4,870 |
| Cash dividends to net income (ytd only)* | 88.1154% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,183 |
| Loan loss allowance to noncurrent loans | 50.4398% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.9232% | 205 |
| Noncurrent loans to loans | 2.5606% | 457 |
| Net loans and leases to total assets | 65.7910% | 2,841 |
| Net loans and leases to deposits | 78.7317% | 2,809 |
| Net loans and leases to core deposits | 79.9357% | 3,201 |
| Total domestic deposits to total assets | 83.5635% | 2,928 |
| Equity capital to assets | 9.9157% | 3,870 |
| Core capital (leverage) ratio | 10.4209% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1272% | 2,224 |
| Memoranda: | ||
| Average total assets | $170,233,000 | 3,131 |
| Average earning assets | $150,952,500 | 3,183 |
| Average equity | $17,139,000 | 3,457 |
| Average total loans | $115,773,500 | 3,004 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,161 |
| Cost of funding earning assets | 0.6761% | 3,279 |
| Net interest margin | 4.4494% | 801 |
| Noninterest income to average assets | 3.7651% | 118 |
| Noninterest expense to average assets | 5.0701% | 203 |
| Loan and lease loss provision to assets | 1.0400% | 90 |
| Net operating income to assets | 1.4177% | 1,284 |
| Return on assets (ROA) | 1.4177% | 1,358 |
| Pretax return on assets | 1.4360% | 2,028 |
| Return on Equity (ROE) | 13.7396% | 952 |
| Retained earnings to average equity (ytd only) | 1.1927% | 4,312 |
| Net charge-offs to loans | 1.3849% | 106 |
| Credit loss provision to net charge-offs | 108.5878% | 2,295 |
| Earnings coverage of net charge-offs (x) | 2.5852% | 3,399 |
| Efficiency ratio | 67.1888% | 2,583 |
| Assets per employee ($millions) | 2.5733% | 4,979 |
| Cash dividends to net income (ytd only)* | 91.3193% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,007 |
| Loan loss allowance to noncurrent loans | 51.4493% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.0287% | 177 |
| Noncurrent loans to loans | 2.4960% | 433 |
| Net loans and leases to total assets | 68.5226% | 2,608 |
| Net loans and leases to deposits | 77.4934% | 3,063 |
| Net loans and leases to core deposits | 78.6370% | 3,402 |
| Total domestic deposits to total assets | 88.4238% | 930 |
| Equity capital to assets | 10.2256% | 3,704 |
| Core capital (leverage) ratio | 10.4335% | 3,028 |
| Tier 1 risk-based capital ratio | 12.9113% | 3,836 |
| Total risk-based capital ratio | 14.0368% | 3,797 |
| Memoranda: | ||
| Average total assets | $164,138,800 | 3,166 |
| Average earning assets | $139,479,400 | 3,284 |
| Average equity | $16,936,400 | 3,444 |
| Average total loans | $113,510,200 | 3,026 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 1,107 |
| Cost of funding earning assets | 0.6742% | 3,336 |
| Net interest margin | 4.4958% | 775 |
| Noninterest income to average assets | 4.0654% | 115 |
| Noninterest expense to average assets | 5.1428% | 192 |
| Loan and lease loss provision to assets | 1.3638% | 63 |
| Net operating income to assets | 1.3296% | 1,730 |
| Return on assets (ROA) | 1.3296% | 1,800 |
| Pretax return on assets | 1.3361% | 2,542 |
| Return on Equity (ROE) | 12.8560% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.8186% | 1,940 |
| Net charge-offs to loans | 1.8217% | 66 |
| Credit loss provision to net charge-offs | 108.3658% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.1453% | 3,217 |
| Efficiency ratio | 65.5739% | 2,786 |
| Assets per employee ($millions) | 2.5838% | 5,053 |
| Cash dividends to net income (ytd only)* | 46.9610% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,225 |
| Loan loss allowance to noncurrent loans | 43.7666% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.4701% | 143 |
| Noncurrent loans to loans | 2.8610% | 361 |
| Net loans and leases to total assets | 73.1036% | 1,978 |
| Net loans and leases to deposits | 83.2959% | 2,530 |
| Net loans and leases to core deposits | 84.5870% | 3,038 |
| Total domestic deposits to total assets | 87.7637% | 1,140 |
| Equity capital to assets | 11.0895% | 3,023 |
| Core capital (leverage) ratio | 10.9254% | 2,714 |
| Tier 1 risk-based capital ratio | 12.3629% | 4,215 |
| Total risk-based capital ratio | 13.3963% | 4,232 |
| Memoranda: | ||
| Average total assets | $163,357,000 | 3,206 |
| Average earning assets | $137,250,000 | 3,354 |
| Average equity | $16,894,500 | 3,469 |
| Average total loans | $112,861,250 | 3,075 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 1,216 |
| Cost of funding earning assets | 0.6433% | 3,444 |
| Net interest margin | 4.4583% | 837 |
| Noninterest income to average assets | 3.4487% | 132 |
| Noninterest expense to average assets | 5.2381% | 184 |
| Loan and lease loss provision to assets | 1.6739% | 48 |
| Net operating income to assets | 0.2737% | 4,908 |
| Return on assets (ROA) | 0.2737% | 4,919 |
| Pretax return on assets | 0.2883% | 4,942 |
| Return on Equity (ROE) | 2.7101% | 4,835 |
| Retained earnings to average equity (ytd only) | -3.9387% | 5,012 |
| Net charge-offs to loans | 1.0960% | 122 |
| Credit loss provision to net charge-offs | 226.3158% | 1,108 |
| Earnings coverage of net charge-offs (x) | 2.6530% | 2,918 |
| Efficiency ratio | 72.7488% | 1,809 |
| Assets per employee ($millions) | 2.7304% | 5,051 |
| Cash dividends to net income (ytd only)* | 245.3333% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 612 |
| Loan loss allowance to noncurrent loans | 45.9045% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 4.4127% | 92 |
| Noncurrent loans to loans | 4.0504% | 178 |
| Net loans and leases to total assets | 68.4359% | 2,761 |
| Net loans and leases to deposits | 76.9352% | 3,250 |
| Net loans and leases to core deposits | 77.9477% | 3,583 |
| Total domestic deposits to total assets | 88.9526% | 680 |
| Equity capital to assets | 10.1177% | 3,869 |
| Core capital (leverage) ratio | 10.1255% | 3,477 |
| Tier 1 risk-based capital ratio | 11.9394% | 4,454 |
| Total risk-based capital ratio | 13.1928% | 4,335 |
| Memoranda: | ||
| Average total assets | $164,410,670 | 3,201 |
| Average earning assets | $138,350,000 | 3,354 |
| Average equity | $16,604,330 | 3,505 |
| Average total loans | $110,950,330 | 3,117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 1,563 |
| Cost of funding earning assets | 0.6149% | 3,494 |
| Net interest margin | 4.2958% | 1,101 |
| Noninterest income to average assets | 3.4389% | 120 |
| Noninterest expense to average assets | 5.3065% | 178 |
| Loan and lease loss provision to assets | 1.7972% | 43 |
| Net operating income to assets | -0.0340% | 5,159 |
| Return on assets (ROA) | -0.0340% | 5,163 |
| Pretax return on assets | -0.0510% | 5,158 |
| Return on Equity (ROE) | -0.3370% | 5,163 |
| Retained earnings to average equity (ytd only) | -13.6470% | 5,188 |
| Net charge-offs to loans | 0.0366% | 1,747 |
| Credit loss provision to net charge-offs | 7,400.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 71.9000% | 830 |
| Efficiency ratio | 75.2410% | 1,583 |
| Assets per employee ($millions) | 2.6812% | 5,121 |
| Cash dividends to net income (ytd only)* | -3,950.0000% | 5,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 600 |
| Loan loss allowance to noncurrent loans | 31.9742% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 5.7119% | 55 |
| Noncurrent loans to loans | 5.9194% | 77 |
| Net loans and leases to total assets | 66.1119% | 3,037 |
| Net loans and leases to deposits | 74.9022% | 3,367 |
| Net loans and leases to core deposits | 76.0319% | 3,659 |
| Total domestic deposits to total assets | 88.2644% | 1,212 |
| Equity capital to assets | 9.9882% | 3,841 |
| Core capital (leverage) ratio | 9.9604% | 3,646 |
| Tier 1 risk-based capital ratio | 11.9895% | 4,467 |
| Total risk-based capital ratio | 13.2431% | 4,353 |
| Memoranda: | ||
| Average total assets | $164,705,000 | 3,239 |
| Average earning assets | $138,554,000 | 3,388 |
| Average equity | $16,619,000 | 3,513 |
| Average total loans | $109,307,000 | 3,182 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,937 |
| Cost of funding earning assets | 0.5544% | 3,020 |
| Net interest margin | 4.1118% | 1,648 |
| Noninterest income to average assets | 2.7271% | 174 |
| Noninterest expense to average assets | 4.2077% | 397 |
| Loan and lease loss provision to assets | 0.3552% | 425 |
| Net operating income to assets | 1.6175% | 835 |
| Return on assets (ROA) | 1.6175% | 829 |
| Pretax return on assets | 1.6955% | 1,177 |
| Return on Equity (ROE) | 16.3498% | 560 |
| Retained earnings to average equity (ytd only) | 0.7596% | 4,787 |
| Net charge-offs to loans | 0.4751% | 386 |
| Credit loss provision to net charge-offs | 128.9979% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.4478% | 2,994 |
| Efficiency ratio | 67.2326% | 2,670 |
| Assets per employee ($millions) | 3.0714% | 4,950 |
| Cash dividends to net income (ytd only)* | 95.3539% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,291 |
| Loan loss allowance to noncurrent loans | 54.8544% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.9767% | 215 |
| Noncurrent loans to loans | 2.2804% | 559 |
| Net loans and leases to total assets | 64.5399% | 3,294 |
| Net loans and leases to deposits | 73.1340% | 3,575 |
| Net loans and leases to core deposits | 74.3397% | 3,827 |
| Total domestic deposits to total assets | 88.2489% | 1,182 |
| Equity capital to assets | 10.1907% | 3,480 |
| Core capital (leverage) ratio | 10.2352% | 3,321 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,003 |
| Total risk-based capital ratio | 13.7361% | 4,010 |
| Memoranda: | ||
| Average total assets | $170,329,200 | 3,163 |
| Average earning assets | $146,285,600 | 3,298 |
| Average equity | $16,850,400 | 3,415 |
| Average total loans | $98,722,200 | 3,330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 2,181 |
| Cost of funding earning assets | 0.5496% | 2,859 |
| Net interest margin | 3.9826% | 2,004 |
| Noninterest income to average assets | 2.7514% | 180 |
| Noninterest expense to average assets | 4.0602% | 486 |
| Loan and lease loss provision to assets | 0.3694% | 357 |
| Net operating income to assets | 1.6658% | 808 |
| Return on assets (ROA) | 1.6658% | 814 |
| Pretax return on assets | 1.7537% | 1,129 |
| Return on Equity (ROE) | 16.9617% | 545 |
| Retained earnings to average equity (ytd only) | 1.8529% | 4,623 |
| Net charge-offs to loans | 0.6106% | 239 |
| Credit loss provision to net charge-offs | 107.7098% | 2,142 |
| Earnings coverage of net charge-offs (x) | 6.1904% | 2,902 |
| Efficiency ratio | 65.6647% | 2,928 |
| Assets per employee ($millions) | 2.9232% | 5,090 |
| Cash dividends to net income (ytd only)* | 89.0757% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,363 |
| Loan loss allowance to noncurrent loans | 88.5593% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 2.3555% | 391 |
| Noncurrent loans to loans | 1.4123% | 1,175 |
| Net loans and leases to total assets | 60.4830% | 3,796 |
| Net loans and leases to deposits | 68.4593% | 4,028 |
| Net loans and leases to core deposits | 69.1739% | 4,238 |
| Total domestic deposits to total assets | 88.3487% | 1,100 |
| Equity capital to assets | 10.3898% | 3,245 |
| Core capital (leverage) ratio | 10.0970% | 3,526 |
| Tier 1 risk-based capital ratio | 13.8194% | 3,457 |
| Total risk-based capital ratio | 14.8383% | 3,484 |
| Memoranda: | ||
| Average total assets | $171,447,250 | 3,179 |
| Average earning assets | $147,739,250 | 3,301 |
| Average equity | $16,837,500 | 3,437 |
| Average total loans | $96,302,750 | 3,401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,656 |
| Cost of funding earning assets | 0.5597% | 2,523 |
| Net interest margin | 3.7723% | 2,658 |
| Noninterest income to average assets | 2.7731% | 181 |
| Noninterest expense to average assets | 3.9579% | 566 |
| Loan and lease loss provision to assets | 0.4597% | 253 |
| Net operating income to assets | 1.5423% | 1,050 |
| Return on assets (ROA) | 1.5423% | 1,055 |
| Pretax return on assets | 1.6239% | 1,426 |
| Return on Equity (ROE) | 15.9946% | 675 |
| Retained earnings to average equity (ytd only) | -0.9296% | 5,063 |
| Net charge-offs to loans | 0.8170% | 164 |
| Credit loss provision to net charge-offs | 103.0928% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.6727% | 2,774 |
| Efficiency ratio | 65.5126% | 3,059 |
| Assets per employee ($millions) | 3.2626% | 4,862 |
| Cash dividends to net income (ytd only)* | 105.8122% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,323 |
| Loan loss allowance to noncurrent loans | 197.4359% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 653 |
| Noncurrent loans to loans | 0.6431% | 2,506 |
| Net loans and leases to total assets | 55.3999% | 4,209 |
| Net loans and leases to deposits | 62.3553% | 4,397 |
| Net loans and leases to core deposits | 62.9672% | 4,556 |
| Total domestic deposits to total assets | 88.8456% | 998 |
| Equity capital to assets | 9.6560% | 3,961 |
| Core capital (leverage) ratio | 9.6561% | 3,936 |
| Tier 1 risk-based capital ratio | 14.1656% | 3,281 |
| Total risk-based capital ratio | 15.2108% | 3,302 |
| Memoranda: | ||
| Average total assets | $174,030,000 | 3,169 |
| Average earning assets | $150,784,670 | 3,285 |
| Average equity | $16,780,670 | 3,465 |
| Average total loans | $94,982,330 | 3,428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 2,867 |
| Cost of funding earning assets | 0.5721% | 2,243 |
| Net interest margin | 3.6321% | 3,063 |
| Noninterest income to average assets | 2.7540% | 173 |
| Noninterest expense to average assets | 4.0003% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8283% | 533 |
| Return on assets (ROA) | 1.8283% | 536 |
| Pretax return on assets | 1.9246% | 683 |
| Return on Equity (ROE) | 18.9746% | 321 |
| Retained earnings to average equity (ytd only) | 2.3064% | 4,241 |
| Net charge-offs to loans | -0.0170% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5174% | 2,913 |
| Assets per employee ($millions) | 3.1839% | 5,020 |
| Cash dividends to net income (ytd only)* | 87.8446% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,361 |
| Loan loss allowance to noncurrent loans | 51.6456% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.1317% | 503 |
| Noncurrent loans to loans | 2.4703% | 556 |
| Net loans and leases to total assets | 55.0884% | 4,200 |
| Net loans and leases to deposits | 62.7528% | 4,287 |
| Net loans and leases to core deposits | 63.2739% | 4,467 |
| Total domestic deposits to total assets | 87.7864% | 1,741 |
| Equity capital to assets | 9.8127% | 3,781 |
| Core capital (leverage) ratio | 9.6988% | 3,847 |
| Tier 1 risk-based capital ratio | 15.0559% | 2,843 |
| Total risk-based capital ratio | 16.1482% | 2,852 |
| Memoranda: | ||
| Average total assets | $174,585,500 | 3,198 |
| Average earning assets | $152,420,500 | 3,291 |
| Average equity | $16,822,500 | 3,493 |
| Average total loans | $93,959,000 | 3,465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 2,895 |
| Cost of funding earning assets | 0.6493% | 1,296 |
| Net interest margin | 3.4981% | 3,539 |
| Noninterest income to average assets | 2.6056% | 212 |
| Noninterest expense to average assets | 3.8669% | 643 |
| Loan and lease loss provision to assets | 0.1010% | 2,207 |
| Net operating income to assets | 1.6203% | 629 |
| Return on assets (ROA) | 1.6203% | 644 |
| Pretax return on assets | 1.6835% | 1,047 |
| Return on Equity (ROE) | 16.7941% | 412 |
| Retained earnings to average equity (ytd only) | -4.4375% | 5,416 |
| Net charge-offs to loans | 0.2545% | 1,029 |
| Credit loss provision to net charge-offs | 74.7967% | 3,018 |
| Earnings coverage of net charge-offs (x) | 13.2154% | 2,416 |
| Efficiency ratio | 68.4246% | 2,814 |
| Assets per employee ($millions) | 3.1095% | 5,116 |
| Cash dividends to net income (ytd only)* | 126.4228% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,085 |
| Loan loss allowance to noncurrent loans | 482.2134% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 1,051 |
| Noncurrent loans to loans | 0.2751% | 3,794 |
| Net loans and leases to total assets | 51.2074% | 4,577 |
| Net loans and leases to deposits | 58.1955% | 4,682 |
| Net loans and leases to core deposits | 58.6544% | 4,821 |
| Total domestic deposits to total assets | 87.9920% | 1,506 |
| Equity capital to assets | 9.4640% | 4,257 |
| Core capital (leverage) ratio | 9.4714% | 4,084 |
| Tier 1 risk-based capital ratio | 15.3897% | 2,665 |
| Total risk-based capital ratio | 16.5090% | 2,655 |
| Memoranda: | ||
| Average total assets | $182,185,200 | 3,088 |
| Average earning assets | $158,628,400 | 3,215 |
| Average equity | $17,577,600 | 3,416 |
| Average total loans | $96,670,600 | 3,400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,932 |
| Cost of funding earning assets | 0.6724% | 1,107 |
| Net interest margin | 3.4440% | 3,698 |
| Noninterest income to average assets | 2.5652% | 222 |
| Noninterest expense to average assets | 3.7894% | 681 |
| Loan and lease loss provision to assets | 0.1338% | 1,622 |
| Net operating income to assets | 1.5570% | 791 |
| Return on assets (ROA) | 1.5570% | 812 |
| Pretax return on assets | 1.6392% | 1,285 |
| Return on Equity (ROE) | 16.0640% | 525 |
| Retained earnings to average equity (ytd only) | 3.6973% | 3,726 |
| Net charge-offs to loans | 0.3339% | 625 |
| Credit loss provision to net charge-offs | 75.1020% | 2,644 |
| Earnings coverage of net charge-offs (x) | 9.9551% | 2,647 |
| Efficiency ratio | 68.1260% | 2,854 |
| Assets per employee ($millions) | 3.2379% | 5,027 |
| Cash dividends to net income (ytd only)* | 76.9840% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,642 |
| Loan loss allowance to noncurrent loans | 208.0068% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 1,023 |
| Noncurrent loans to loans | 0.6013% | 2,903 |
| Net loans and leases to total assets | 54.1366% | 4,404 |
| Net loans and leases to deposits | 61.8254% | 4,520 |
| Net loans and leases to core deposits | 62.3129% | 4,696 |
| Total domestic deposits to total assets | 87.5637% | 1,603 |
| Equity capital to assets | 10.1340% | 3,761 |
| Core capital (leverage) ratio | 9.9295% | 3,650 |
| Tier 1 risk-based capital ratio | 15.7502% | 2,609 |
| Total risk-based capital ratio | 16.8158% | 2,628 |
| Memoranda: | ||
| Average total assets | $183,421,500 | 3,105 |
| Average earning assets | $159,616,500 | 3,231 |
| Average equity | $17,778,500 | 3,428 |
| Average total loans | $97,843,250 | 3,414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,048 |
| Cost of funding earning assets | 0.6582% | 1,100 |
| Net interest margin | 3.3807% | 3,837 |
| Noninterest income to average assets | 2.4913% | 227 |
| Noninterest expense to average assets | 3.7343% | 739 |
| Loan and lease loss provision to assets | 0.1425% | 1,435 |
| Net operating income to assets | 1.4762% | 904 |
| Return on assets (ROA) | 1.4762% | 927 |
| Pretax return on assets | 1.5540% | 1,481 |
| Return on Equity (ROE) | 15.4559% | 603 |
| Retained earnings to average equity (ytd only) | 4.4887% | 3,040 |
| Net charge-offs to loans | 0.4392% | 462 |
| Credit loss provision to net charge-offs | 61.3953% | 2,453 |
| Earnings coverage of net charge-offs (x) | 7.3070% | 2,618 |
| Efficiency ratio | 68.7612% | 2,879 |
| Assets per employee ($millions) | 3.4483% | 4,798 |
| Cash dividends to net income (ytd only)* | 70.9583% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,677 |
| Loan loss allowance to noncurrent loans | 360.0601% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 809 |
| Noncurrent loans to loans | 0.3476% | 3,790 |
| Net loans and leases to total assets | 51.7641% | 4,596 |
| Net loans and leases to deposits | 60.8215% | 4,572 |
| Net loans and leases to core deposits | 61.3023% | 4,752 |
| Total domestic deposits to total assets | 85.1082% | 2,768 |
| Equity capital to assets | 9.8223% | 4,107 |
| Core capital (leverage) ratio | 9.8521% | 3,714 |
| Tier 1 risk-based capital ratio | 15.5952% | 2,669 |
| Total risk-based capital ratio | 16.6368% | 2,698 |
| Memoranda: | ||
| Average total assets | $185,201,000 | 3,105 |
| Average earning assets | $161,034,000 | 3,228 |
| Average equity | $17,689,000 | 3,449 |
| Average total loans | $97,914,670 | 3,430 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,247 |
| Cost of funding earning assets | 0.6175% | 1,255 |
| Net interest margin | 3.3211% | 3,942 |
| Noninterest income to average assets | 2.3538% | 257 |
| Noninterest expense to average assets | 3.8965% | 604 |
| Loan and lease loss provision to assets | 0.1824% | 942 |
| Net operating income to assets | 1.1136% | 1,811 |
| Return on assets (ROA) | 1.1136% | 1,855 |
| Pretax return on assets | 1.1715% | 2,705 |
| Return on Equity (ROE) | 11.8237% | 1,295 |
| Retained earnings to average equity (ytd only) | 0.2050% | 4,868 |
| Net charge-offs to loans | 0.5779% | 307 |
| Credit loss provision to net charge-offs | 59.4406% | 1,911 |
| Earnings coverage of net charge-offs (x) | 4.4126% | 2,390 |
| Efficiency ratio | 74.2133% | 2,199 |
| Assets per employee ($millions) | 3.2527% | 5,102 |
| Cash dividends to net income (ytd only)* | 98.2659% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,806 |
| Loan loss allowance to noncurrent loans | 103.1171% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 2.4099% | 496 |
| Noncurrent loans to loans | 1.2150% | 1,669 |
| Net loans and leases to total assets | 52.0339% | 4,512 |
| Net loans and leases to deposits | 60.9177% | 4,503 |
| Net loans and leases to core deposits | 61.3907% | 4,697 |
| Total domestic deposits to total assets | 85.4167% | 2,914 |
| Equity capital to assets | 9.4728% | 4,302 |
| Core capital (leverage) ratio | 9.4312% | 4,197 |
| Tier 1 risk-based capital ratio | 14.8689% | 3,035 |
| Total risk-based capital ratio | 15.9051% | 3,065 |
| Memoranda: | ||
| Average total assets | $186,422,500 | 3,126 |
| Average earning assets | $162,596,000 | 3,238 |
| Average equity | $17,558,000 | 3,476 |
| Average total loans | $98,971,000 | 3,437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 3,529 |
| Cost of funding earning assets | 0.5485% | 1,706 |
| Net interest margin | 3.3642% | 3,945 |
| Noninterest income to average assets | 2.2853% | 286 |
| Noninterest expense to average assets | 3.7951% | 778 |
| Loan and lease loss provision to assets | 0.1828% | 1,300 |
| Net operating income to assets | 1.1904% | 1,539 |
| Return on assets (ROA) | 1.1904% | 1,630 |
| Pretax return on assets | 1.2401% | 2,513 |
| Return on Equity (ROE) | 12.5230% | 1,108 |
| Retained earnings to average equity (ytd only) | 1.6364% | 4,599 |
| Net charge-offs to loans | 0.4773% | 517 |
| Credit loss provision to net charge-offs | 70.3782% | 3,132 |
| Earnings coverage of net charge-offs (x) | 5.4769% | 3,336 |
| Efficiency ratio | 72.7301% | 2,473 |
| Assets per employee ($millions) | 3.2884% | 5,061 |
| Cash dividends to net income (ytd only)* | 86.9326% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,660 |
| Loan loss allowance to noncurrent loans | 36.2249% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.6510% | 432 |
| Noncurrent loans to loans | 3.5304% | 336 |
| Net loans and leases to total assets | 52.7969% | 4,545 |
| Net loans and leases to deposits | 61.8809% | 4,553 |
| Net loans and leases to core deposits | 62.2338% | 4,743 |
| Total domestic deposits to total assets | 85.3202% | 2,915 |
| Equity capital to assets | 9.3645% | 4,410 |
| Core capital (leverage) ratio | 9.7088% | 3,845 |
| Tier 1 risk-based capital ratio | 14.8286% | 3,038 |
| Total risk-based capital ratio | 15.9116% | 3,062 |
| Memoranda: | ||
| Average total assets | $183,212,000 | 3,132 |
| Average earning assets | $159,711,000 | 3,244 |
| Average equity | $17,416,000 | 3,494 |
| Average total loans | $99,729,000 | 3,388 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,283 |
| Cost of funding earning assets | 0.5483% | 1,713 |
| Net interest margin | 3.4371% | 3,715 |
| Noninterest income to average assets | 2.2610% | 295 |
| Noninterest expense to average assets | 3.8596% | 705 |
| Loan and lease loss provision to assets | 0.1501% | 1,558 |
| Net operating income to assets | 1.1806% | 1,703 |
| Return on assets (ROA) | 1.1806% | 1,808 |
| Pretax return on assets | 1.2429% | 2,641 |
| Return on Equity (ROE) | 12.3728% | 1,210 |
| Retained earnings to average equity (ytd only) | 1.7413% | 4,810 |
| Net charge-offs to loans | 0.5087% | 420 |
| Credit loss provision to net charge-offs | 53.9474% | 2,981 |
| Earnings coverage of net charge-offs (x) | 5.0079% | 3,187 |
| Efficiency ratio | 73.4810% | 2,372 |
| Assets per employee ($millions) | 3.1473% | 5,245 |
| Cash dividends to net income (ytd only)* | 85.9268% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 3,033 |
| Loan loss allowance to noncurrent loans | 84.2674% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 945 |
| Noncurrent loans to loans | 1.4663% | 1,474 |
| Net loans and leases to total assets | 55.6055% | 4,353 |
| Net loans and leases to deposits | 65.9234% | 4,352 |
| Net loans and leases to core deposits | 66.3209% | 4,586 |
| Total domestic deposits to total assets | 84.3486% | 3,080 |
| Equity capital to assets | 9.7522% | 4,417 |
| Core capital (leverage) ratio | 9.6262% | 4,027 |
| Tier 1 risk-based capital ratio | 14.5587% | 3,263 |
| Total risk-based capital ratio | 15.5972% | 3,307 |
| Memoranda: | ||
| Average total assets | $182,154,750 | 3,153 |
| Average earning assets | $158,540,000 | 3,275 |
| Average equity | $17,381,750 | 3,527 |
| Average total loans | $99,600,000 | 3,402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 3,510 |
| Cost of funding earning assets | 0.5445% | 1,742 |
| Net interest margin | 3.3825% | 3,959 |
| Noninterest income to average assets | 2.1718% | 308 |
| Noninterest expense to average assets | 3.8640% | 705 |
| Loan and lease loss provision to assets | 0.0492% | 3,167 |
| Net operating income to assets | 1.1438% | 1,797 |
| Return on assets (ROA) | 1.1438% | 1,914 |
| Pretax return on assets | 1.2039% | 2,769 |
| Return on Equity (ROE) | 12.0733% | 1,289 |
| Retained earnings to average equity (ytd only) | 0.7957% | 5,062 |
| Net charge-offs to loans | 0.7364% | 278 |
| Credit loss provision to net charge-offs | 12.3288% | 2,981 |
| Earnings coverage of net charge-offs (x) | 3.1425% | 3,162 |
| Efficiency ratio | 75.5124% | 2,145 |
| Assets per employee ($millions) | 3.3510% | 4,997 |
| Cash dividends to net income (ytd only)* | 93.4097% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,854 |
| Loan loss allowance to noncurrent loans | 78.3937% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 1,012 |
| Noncurrent loans to loans | 1.4257% | 1,556 |
| Net loans and leases to total assets | 53.9294% | 4,517 |
| Net loans and leases to deposits | 63.2366% | 4,550 |
| Net loans and leases to core deposits | 63.7189% | 4,763 |
| Total domestic deposits to total assets | 85.2820% | 2,743 |
| Equity capital to assets | 9.5819% | 4,691 |
| Core capital (leverage) ratio | 9.4581% | 4,255 |
| Tier 1 risk-based capital ratio | 14.4900% | 3,325 |
| Total risk-based capital ratio | 15.4117% | 3,433 |
| Memoranda: | ||
| Average total assets | $183,074,330 | 3,155 |
| Average earning assets | $159,409,670 | 3,274 |
| Average equity | $17,344,000 | 3,534 |
| Average total loans | $99,132,670 | 3,422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,526 |
| Cost of funding earning assets | 0.5388% | 1,799 |
| Net interest margin | 3.3777% | 3,950 |
| Noninterest income to average assets | 2.2027% | 300 |
| Noninterest expense to average assets | 3.7820% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2947% | 1,271 |
| Return on assets (ROA) | 1.2947% | 1,352 |
| Pretax return on assets | 1.3621% | 2,034 |
| Return on Equity (ROE) | 13.7434% | 889 |
| Retained earnings to average equity (ytd only) | 3.5511% | 3,719 |
| Net charge-offs to loans | 0.3865% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.5313% | 2,238 |
| Efficiency ratio | 73.5220% | 2,553 |
| Assets per employee ($millions) | 3.3893% | 4,994 |
| Cash dividends to net income (ytd only)* | 74.1611% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,755 |
| Loan loss allowance to noncurrent loans | 83.1975% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 1,046 |
| Noncurrent loans to loans | 1.5999% | 1,446 |
| Net loans and leases to total assets | 53.7447% | 4,474 |
| Net loans and leases to deposits | 63.1076% | 4,497 |
| Net loans and leases to core deposits | 63.5841% | 4,720 |
| Total domestic deposits to total assets | 85.1635% | 3,058 |
| Equity capital to assets | 9.5202% | 4,649 |
| Core capital (leverage) ratio | 9.4813% | 4,229 |
| Tier 1 risk-based capital ratio | 14.4755% | 3,405 |
| Total risk-based capital ratio | 15.5779% | 3,409 |
| Memoranda: | ||
| Average total assets | $184,134,000 | 3,158 |
| Average earning assets | $160,345,000 | 3,276 |
| Average equity | $17,346,500 | 3,535 |
| Average total loans | $99,353,500 | 3,434 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,543 |
| Cost of funding earning assets | 0.5580% | 1,693 |
| Net interest margin | 3.3874% | 3,955 |
| Noninterest income to average assets | 2.1046% | 335 |
| Noninterest expense to average assets | 3.6109% | 1,111 |
| Loan and lease loss provision to assets | 0.2557% | 742 |
| Net operating income to assets | 1.1353% | 1,789 |
| Return on assets (ROA) | 1.1353% | 1,851 |
| Pretax return on assets | 1.1802% | 2,731 |
| Return on Equity (ROE) | 12.0363% | 1,290 |
| Retained earnings to average equity (ytd only) | -4.3177% | 5,880 |
| Net charge-offs to loans | 0.2251% | 1,316 |
| Credit loss provision to net charge-offs | 205.5794% | 1,362 |
| Earnings coverage of net charge-offs (x) | 11.5451% | 2,562 |
| Efficiency ratio | 71.5494% | 2,970 |
| Assets per employee ($millions) | 3.4952% | 4,846 |
| Cash dividends to net income (ytd only)* | 135.8721% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 2,257 |
| Loan loss allowance to noncurrent loans | 51.1494% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.6791% | 548 |
| Noncurrent loans to loans | 2.8117% | 604 |
| Net loans and leases to total assets | 52.6821% | 4,639 |
| Net loans and leases to deposits | 62.0526% | 4,635 |
| Net loans and leases to core deposits | 62.7097% | 4,825 |
| Total domestic deposits to total assets | 84.8991% | 3,140 |
| Equity capital to assets | 9.3221% | 4,764 |
| Core capital (leverage) ratio | 9.3808% | 4,354 |
| Tier 1 risk-based capital ratio | 14.3441% | 3,526 |
| Total risk-based capital ratio | 15.5269% | 3,481 |
| Memoranda: | ||
| Average total assets | $187,348,800 | 3,086 |
| Average earning assets | $162,723,000 | 3,216 |
| Average equity | $17,671,600 | 3,431 |
| Average total loans | $103,486,600 | 3,323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,487 |
| Cost of funding earning assets | 0.5606% | 1,708 |
| Net interest margin | 3.4020% | 3,953 |
| Noninterest income to average assets | 2.1681% | 321 |
| Noninterest expense to average assets | 3.6201% | 1,082 |
| Loan and lease loss provision to assets | 0.2796% | 559 |
| Net operating income to assets | 1.1617% | 1,787 |
| Return on assets (ROA) | 1.1617% | 1,856 |
| Pretax return on assets | 1.2228% | 2,720 |
| Return on Equity (ROE) | 12.2810% | 1,298 |
| Retained earnings to average equity (ytd only) | -3.9761% | 5,989 |
| Net charge-offs to loans | -0.0166% | 5,138 |
| Credit loss provision to net charge-offs | -3,030.7692% | 5,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6705% | 3,102 |
| Assets per employee ($millions) | 3.4344% | 4,917 |
| Cash dividends to net income (ytd only)* | 132.3764% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,915 |
| Loan loss allowance to noncurrent loans | 61.4192% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.9508% | 523 |
| Noncurrent loans to loans | 2.5464% | 794 |
| Net loans and leases to total assets | 54.7728% | 4,484 |
| Net loans and leases to deposits | 64.9355% | 4,473 |
| Net loans and leases to core deposits | 65.6400% | 4,717 |
| Total domestic deposits to total assets | 84.3496% | 3,284 |
| Equity capital to assets | 9.6154% | 4,617 |
| Core capital (leverage) ratio | 9.3197% | 4,558 |
| Tier 1 risk-based capital ratio | 14.1978% | 3,728 |
| Total risk-based capital ratio | 15.4478% | 3,668 |
| Memoranda: | ||
| Average total assets | $187,874,250 | 3,100 |
| Average earning assets | $163,155,000 | 3,239 |
| Average equity | $17,772,250 | 3,440 |
| Average total loans | $104,604,250 | 3,329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 3,763 |
| Cost of funding earning assets | 0.5599% | 1,738 |
| Net interest margin | 3.3220% | 4,205 |
| Noninterest income to average assets | 2.1262% | 339 |
| Noninterest expense to average assets | 3.6950% | 990 |
| Loan and lease loss provision to assets | 0.0948% | 2,231 |
| Net operating income to assets | 1.1632% | 1,736 |
| Return on assets (ROA) | 1.1632% | 1,807 |
| Pretax return on assets | 1.2243% | 2,677 |
| Return on Equity (ROE) | 12.3612% | 1,269 |
| Retained earnings to average equity (ytd only) | -3.8181% | 5,965 |
| Net charge-offs to loans | -0.0473% | 5,528 |
| Credit loss provision to net charge-offs | -360.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6920% | 2,721 |
| Assets per employee ($millions) | 3.4903% | 4,816 |
| Cash dividends to net income (ytd only)* | 130.8877% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,656 |
| Loan loss allowance to noncurrent loans | 34.6010% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 3.3787% | 436 |
| Noncurrent loans to loans | 3.5332% | 493 |
| Net loans and leases to total assets | 55.3875% | 4,398 |
| Net loans and leases to deposits | 65.2995% | 4,404 |
| Net loans and leases to core deposits | 65.9788% | 4,657 |
| Total domestic deposits to total assets | 84.8207% | 3,202 |
| Equity capital to assets | 9.3864% | 4,798 |
| Core capital (leverage) ratio | 9.3588% | 4,476 |
| Tier 1 risk-based capital ratio | 13.8437% | 4,014 |
| Total risk-based capital ratio | 14.8547% | 4,088 |
| Memoranda: | ||
| Average total assets | $189,825,330 | 3,100 |
| Average earning assets | $165,021,670 | 3,239 |
| Average equity | $17,862,330 | 3,440 |
| Average total loans | $105,711,670 | 3,331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 3,755 |
| Cost of funding earning assets | 0.5605% | 1,749 |
| Net interest margin | 3.3073% | 4,187 |
| Noninterest income to average assets | 2.2467% | 311 |
| Noninterest expense to average assets | 3.8047% | 873 |
| Loan and lease loss provision to assets | 0.0945% | 2,105 |
| Net operating income to assets | 1.1611% | 1,662 |
| Return on assets (ROA) | 1.1611% | 1,768 |
| Pretax return on assets | 1.2220% | 2,579 |
| Return on Equity (ROE) | 12.3245% | 1,265 |
| Retained earnings to average equity (ytd only) | -3.7664% | 5,847 |
| Net charge-offs to loans | -0.0114% | 4,772 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2927% | 2,768 |
| Assets per employee ($millions) | 3.5316% | 4,840 |
| Cash dividends to net income (ytd only)* | 130.5606% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 4,161 |
| Loan loss allowance to noncurrent loans | 30.8564% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 3.4529% | 486 |
| Noncurrent loans to loans | 3.7838% | 478 |
| Net loans and leases to total assets | 54.3734% | 4,397 |
| Net loans and leases to deposits | 64.2576% | 4,346 |
| Net loans and leases to core deposits | 65.0305% | 4,609 |
| Total domestic deposits to total assets | 84.6179% | 3,577 |
| Equity capital to assets | 9.3666% | 4,892 |
| Core capital (leverage) ratio | 9.2829% | 4,604 |
| Tier 1 risk-based capital ratio | 13.8076% | 4,144 |
| Total risk-based capital ratio | 14.7545% | 4,235 |
| Memoranda: | ||
| Average total assets | $190,501,000 | 3,116 |
| Average earning assets | $165,571,000 | 3,245 |
| Average equity | $17,948,000 | 3,456 |
| Average total loans | $105,726,000 | 3,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,528 |
| Cost of funding earning assets | 0.6092% | 1,687 |
| Net interest margin | 3.7106% | 2,973 |
| Noninterest income to average assets | 2.4878% | 241 |
| Noninterest expense to average assets | 3.8296% | 945 |
| Loan and lease loss provision to assets | 0.1240% | 2,114 |
| Net operating income to assets | 1.6625% | 621 |
| Return on assets (ROA) | 1.6625% | 650 |
| Pretax return on assets | 1.7524% | 888 |
| Return on Equity (ROE) | 17.9913% | 395 |
| Retained earnings to average equity (ytd only) | 1.8388% | 4,884 |
| Net charge-offs to loans | 0.6748% | 557 |
| Credit loss provision to net charge-offs | 32.6975% | 3,798 |
| Earnings coverage of net charge-offs (x) | 4.9496% | 3,534 |
| Efficiency ratio | 67.1162% | 4,038 |
| Assets per employee ($millions) | 3.3981% | 5,063 |
| Cash dividends to net income (ytd only)* | 89.7794% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,518 |
| Loan loss allowance to noncurrent loans | 27.3657% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 3.6754% | 490 |
| Noncurrent loans to loans | 4.0373% | 452 |
| Net loans and leases to total assets | 55.3646% | 4,403 |
| Net loans and leases to deposits | 65.1562% | 4,416 |
| Net loans and leases to core deposits | 65.9124% | 4,675 |
| Total domestic deposits to total assets | 84.9721% | 3,294 |
| Equity capital to assets | 9.4764% | 4,746 |
| Core capital (leverage) ratio | 9.4316% | 4,336 |
| Tier 1 risk-based capital ratio | 13.8779% | 4,185 |
| Total risk-based capital ratio | 14.7837% | 4,331 |
| Memoranda: | ||
| Average total assets | $193,621,200 | 3,063 |
| Average earning assets | $167,924,200 | 3,182 |
| Average equity | $17,892,000 | 3,415 |
| Average total loans | $108,767,400 | 3,247 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,922 |
| Cost of funding earning assets | 0.6126% | 1,739 |
| Net interest margin | 3.6074% | 3,399 |
| Noninterest income to average assets | 2.4595% | 251 |
| Noninterest expense to average assets | 3.8658% | 891 |
| Loan and lease loss provision to assets | 0.0411% | 3,582 |
| Net operating income to assets | 1.6017% | 754 |
| Return on assets (ROA) | 1.6017% | 782 |
| Pretax return on assets | 1.6861% | 1,095 |
| Return on Equity (ROE) | 17.4421% | 500 |
| Retained earnings to average equity (ytd only) | 1.2544% | 5,394 |
| Net charge-offs to loans | 0.0719% | 3,170 |
| Credit loss provision to net charge-offs | 101.6949% | 2,169 |
| Earnings coverage of net charge-offs (x) | 42.6974% | 1,082 |
| Efficiency ratio | 69.1185% | 3,656 |
| Assets per employee ($millions) | 3.2432% | 5,345 |
| Cash dividends to net income (ytd only)* | 92.8080% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 2,590 |
| Loan loss allowance to noncurrent loans | 36.0949% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.9018% | 522 |
| Noncurrent loans to loans | 4.2285% | 477 |
| Net loans and leases to total assets | 56.4105% | 4,279 |
| Net loans and leases to deposits | 66.6356% | 4,266 |
| Net loans and leases to core deposits | 67.4071% | 4,569 |
| Total domestic deposits to total assets | 84.6553% | 3,476 |
| Equity capital to assets | 9.3400% | 4,992 |
| Core capital (leverage) ratio | 9.1557% | 4,843 |
| Tier 1 risk-based capital ratio | 13.3688% | 4,625 |
| Total risk-based capital ratio | 14.6188% | 4,560 |
| Memoranda: | ||
| Average total assets | $194,453,250 | 3,075 |
| Average earning assets | $168,907,000 | 3,197 |
| Average equity | $17,856,750 | 3,435 |
| Average total loans | $109,326,250 | 3,255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,668 |
| Cost of funding earning assets | 0.6148% | 1,770 |
| Net interest margin | 3.6643% | 3,094 |
| Noninterest income to average assets | 2.6375% | 226 |
| Noninterest expense to average assets | 3.9051% | 847 |
| Loan and lease loss provision to assets | 0.0614% | 3,042 |
| Net operating income to assets | 1.7617% | 522 |
| Return on assets (ROA) | 1.7617% | 547 |
| Pretax return on assets | 1.8538% | 752 |
| Return on Equity (ROE) | 19.2923% | 338 |
| Retained earnings to average equity (ytd only) | 3.1034% | 4,228 |
| Net charge-offs to loans | 0.0037% | 4,262 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 936.0000% | 69 |
| Efficiency ratio | 67.0944% | 4,184 |
| Assets per employee ($millions) | 3.2449% | 5,347 |
| Cash dividends to net income (ytd only)* | 83.9141% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 2,527 |
| Loan loss allowance to noncurrent loans | 38.1509% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 573 |
| Noncurrent loans to loans | 4.1526% | 565 |
| Net loans and leases to total assets | 55.1682% | 4,388 |
| Net loans and leases to deposits | 64.5908% | 4,431 |
| Net loans and leases to core deposits | 65.3186% | 4,702 |
| Total domestic deposits to total assets | 85.4118% | 3,323 |
| Equity capital to assets | 9.2351% | 5,063 |
| Core capital (leverage) ratio | 9.2835% | 4,617 |
| Tier 1 risk-based capital ratio | 13.4413% | 4,622 |
| Total risk-based capital ratio | 14.6920% | 4,565 |
| Memoranda: | ||
| Average total assets | $195,488,000 | 3,080 |
| Average earning assets | $169,799,670 | 3,203 |
| Average equity | $17,851,670 | 3,433 |
| Average total loans | $109,230,330 | 3,261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,336 |
| Cost of funding earning assets | 0.6200% | 1,815 |
| Net interest margin | 3.7294% | 2,745 |
| Noninterest income to average assets | 2.5852% | 226 |
| Noninterest expense to average assets | 3.9104% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8215% | 464 |
| Return on assets (ROA) | 1.8215% | 486 |
| Pretax return on assets | 1.9174% | 631 |
| Return on Equity (ROE) | 20.0590% | 279 |
| Retained earnings to average equity (ytd only) | 3.8004% | 3,848 |
| Net charge-offs to loans | -0.3111% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0988% | 4,348 |
| Assets per employee ($millions) | 3.2697% | 5,411 |
| Cash dividends to net income (ytd only)* | 81.0538% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,616 |
| Loan loss allowance to noncurrent loans | 41.9995% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 3.6339% | 707 |
| Noncurrent loans to loans | 3.8561% | 708 |
| Net loans and leases to total assets | 54.3727% | 4,372 |
| Net loans and leases to deposits | 63.3579% | 4,393 |
| Net loans and leases to core deposits | 64.0630% | 4,687 |
| Total domestic deposits to total assets | 85.8183% | 3,451 |
| Equity capital to assets | 9.1099% | 4,988 |
| Core capital (leverage) ratio | 9.1204% | 4,832 |
| Tier 1 risk-based capital ratio | 13.3717% | 4,784 |
| Total risk-based capital ratio | 14.6227% | 4,716 |
| Memoranda: | ||
| Average total assets | $195,886,000 | 3,102 |
| Average earning assets | $170,324,000 | 3,217 |
| Average equity | $17,787,500 | 3,447 |
| Average total loans | $109,277,000 | 3,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 3,118 |
| Cost of funding earning assets | 0.7007% | 1,812 |
| Net interest margin | 3.5576% | 3,645 |
| Noninterest income to average assets | 2.4432% | 290 |
| Noninterest expense to average assets | 4.0433% | 831 |
| Loan and lease loss provision to assets | 0.1868% | 1,974 |
| Net operating income to assets | 1.2688% | 1,337 |
| Return on assets (ROA) | 1.2688% | 1,393 |
| Pretax return on assets | 1.3072% | 2,119 |
| Return on Equity (ROE) | 14.3602% | 877 |
| Retained earnings to average equity (ytd only) | 1.7314% | 5,006 |
| Net charge-offs to loans | 0.1419% | 3,385 |
| Credit loss provision to net charge-offs | 238.7097% | 963 |
| Earnings coverage of net charge-offs (x) | 19.0903% | 1,625 |
| Efficiency ratio | 73.0191% | 3,285 |
| Assets per employee ($millions) | 3.2064% | 5,476 |
| Cash dividends to net income (ytd only)* | 87.9427% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 3,108 |
| Loan loss allowance to noncurrent loans | 41.5568% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 3.5943% | 795 |
| Noncurrent loans to loans | 3.6512% | 828 |
| Net loans and leases to total assets | 55.4515% | 4,391 |
| Net loans and leases to deposits | 64.9008% | 4,425 |
| Net loans and leases to core deposits | 65.6134% | 4,728 |
| Total domestic deposits to total assets | 85.4404% | 3,535 |
| Equity capital to assets | 9.0511% | 4,969 |
| Core capital (leverage) ratio | 8.9547% | 5,071 |
| Tier 1 risk-based capital ratio | 13.1767% | 4,867 |
| Total risk-based capital ratio | 14.4204% | 4,814 |
| Memoranda: | ||
| Average total assets | $198,056,400 | 3,054 |
| Average earning assets | $172,249,800 | 3,188 |
| Average equity | $17,499,800 | 3,496 |
| Average total loans | $109,242,400 | 3,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 3,165 |
| Cost of funding earning assets | 0.7156% | 1,848 |
| Net interest margin | 3.5420% | 3,699 |
| Noninterest income to average assets | 2.4180% | 306 |
| Noninterest expense to average assets | 4.0991% | 768 |
| Loan and lease loss provision to assets | 0.1577% | 2,290 |
| Net operating income to assets | 1.1785% | 1,705 |
| Return on assets (ROA) | 1.1785% | 1,775 |
| Pretax return on assets | 1.2402% | 2,549 |
| Return on Equity (ROE) | 13.4178% | 1,135 |
| Retained earnings to average equity (ytd only) | 0.7488% | 5,674 |
| Net charge-offs to loans | -0.0037% | 5,743 |
| Credit loss provision to net charge-offs | -7,833.3333% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5696% | 2,971 |
| Assets per employee ($millions) | 2.9395% | 5,939 |
| Cash dividends to net income (ytd only)* | 94.4193% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,325 |
| Loan loss allowance to noncurrent loans | 32.1809% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.9376% | 800 |
| Noncurrent loans to loans | 4.7605% | 655 |
| Net loans and leases to total assets | 55.2846% | 4,418 |
| Net loans and leases to deposits | 64.5295% | 4,462 |
| Net loans and leases to core deposits | 65.1259% | 4,790 |
| Total domestic deposits to total assets | 85.6734% | 3,417 |
| Equity capital to assets | 8.8846% | 5,315 |
| Core capital (leverage) ratio | 8.8207% | 5,385 |
| Tier 1 risk-based capital ratio | 13.0424% | 5,093 |
| Total risk-based capital ratio | 14.2924% | 5,047 |
| Memoranda: | ||
| Average total assets | $198,673,250 | 3,074 |
| Average earning assets | $172,706,250 | 3,208 |
| Average equity | $17,449,000 | 3,536 |
| Average total loans | $109,021,000 | 3,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 3,368 |
| Cost of funding earning assets | 0.7341% | 1,811 |
| Net interest margin | 3.4658% | 3,943 |
| Noninterest income to average assets | 2.4502% | 329 |
| Noninterest expense to average assets | 4.1024% | 772 |
| Loan and lease loss provision to assets | 0.1355% | 2,633 |
| Net operating income to assets | 1.1604% | 1,698 |
| Return on assets (ROA) | 1.1604% | 1,814 |
| Pretax return on assets | 1.2216% | 2,584 |
| Return on Equity (ROE) | 13.2625% | 1,177 |
| Retained earnings to average equity (ytd only) | 0.5851% | 5,666 |
| Net charge-offs to loans | 0.2562% | 2,183 |
| Credit loss provision to net charge-offs | 97.1223% | 2,300 |
| Earnings coverage of net charge-offs (x) | 9.7266% | 2,246 |
| Efficiency ratio | 75.1425% | 2,928 |
| Assets per employee ($millions) | 2.9291% | 5,970 |
| Cash dividends to net income (ytd only)* | 95.5882% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,296 |
| Loan loss allowance to noncurrent loans | 40.7522% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 3.4517% | 1,123 |
| Noncurrent loans to loans | 3.2993% | 1,323 |
| Net loans and leases to total assets | 53.4901% | 4,657 |
| Net loans and leases to deposits | 62.5143% | 4,679 |
| Net loans and leases to core deposits | 63.0847% | 4,989 |
| Total domestic deposits to total assets | 85.5646% | 3,605 |
| Equity capital to assets | 8.7611% | 5,482 |
| Core capital (leverage) ratio | 8.7709% | 5,325 |
| Tier 1 risk-based capital ratio | 13.1819% | 5,003 |
| Total risk-based capital ratio | 14.2788% | 5,064 |
| Memoranda: | ||
| Average total assets | $199,248,330 | 3,078 |
| Average earning assets | $173,004,330 | 3,210 |
| Average equity | $17,432,670 | 3,559 |
| Average total loans | $108,502,670 | 3,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,266 |
| Cost of funding earning assets | 0.7515% | 1,838 |
| Net interest margin | 3.4593% | 3,864 |
| Noninterest income to average assets | 2.4628% | 327 |
| Noninterest expense to average assets | 4.1910% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2103% | 1,501 |
| Return on assets (ROA) | 1.2103% | 1,614 |
| Pretax return on assets | 1.2746% | 2,313 |
| Return on Equity (ROE) | 13.8430% | 989 |
| Retained earnings to average equity (ytd only) | 1.1478% | 5,387 |
| Net charge-offs to loans | -0.0147% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6801% | 2,813 |
| Assets per employee ($millions) | 2.9747% | 6,034 |
| Cash dividends to net income (ytd only)* | 91.7081% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,473 |
| Loan loss allowance to noncurrent loans | 30.3345% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 3.8996% | 1,044 |
| Noncurrent loans to loans | 4.4461% | 949 |
| Net loans and leases to total assets | 53.5822% | 4,476 |
| Net loans and leases to deposits | 63.0897% | 4,408 |
| Net loans and leases to core deposits | 63.8658% | 4,753 |
| Total domestic deposits to total assets | 84.9301% | 4,074 |
| Equity capital to assets | 8.7549% | 5,754 |
| Core capital (leverage) ratio | 8.7522% | 5,254 |
| Tier 1 risk-based capital ratio | 13.2104% | 5,064 |
| Total risk-based capital ratio | 14.3158% | 5,122 |
| Memoranda: | ||
| Average total assets | $199,284,000 | 3,104 |
| Average earning assets | $172,984,500 | 3,239 |
| Average equity | $17,424,000 | 3,603 |
| Average total loans | $108,758,000 | 3,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 3,956 |
| Cost of funding earning assets | 0.9253% | 1,785 |
| Net interest margin | 3.4410% | 4,736 |
| Noninterest income to average assets | 2.2776% | 360 |
| Noninterest expense to average assets | 3.9544% | 1,029 |
| Loan and lease loss provision to assets | 0.0941% | 4,492 |
| Net operating income to assets | 1.1588% | 1,744 |
| Return on assets (ROA) | 1.1588% | 1,900 |
| Pretax return on assets | 1.2143% | 2,754 |
| Return on Equity (ROE) | 14.1952% | 957 |
| Retained earnings to average equity (ytd only) | 6.6669% | 1,738 |
| Net charge-offs to loans | 0.8489% | 1,356 |
| Credit loss provision to net charge-offs | 20.5850% | 5,280 |
| Earnings coverage of net charge-offs (x) | 2.8624% | 4,003 |
| Efficiency ratio | 75.1388% | 2,889 |
| Assets per employee ($millions) | 3.0656% | 5,911 |
| Cash dividends to net income (ytd only)* | 53.0342% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 4,483 |
| Loan loss allowance to noncurrent loans | 31.5288% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 3.7905% | 1,158 |
| Noncurrent loans to loans | 4.2265% | 1,064 |
| Net loans and leases to total assets | 54.1034% | 4,606 |
| Net loans and leases to deposits | 63.5436% | 4,592 |
| Net loans and leases to core deposits | 64.1207% | 4,942 |
| Total domestic deposits to total assets | 85.1438% | 3,799 |
| Equity capital to assets | 8.7317% | 5,818 |
| Core capital (leverage) ratio | 8.7542% | 5,252 |
| Tier 1 risk-based capital ratio | 13.1606% | 4,990 |
| Total risk-based capital ratio | 14.2619% | 5,041 |
| Memoranda: | ||
| Average total assets | $201,924,600 | 3,016 |
| Average earning assets | $175,179,600 | 3,161 |
| Average equity | $16,484,400 | 3,706 |
| Average total loans | $108,726,600 | 3,322 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 4,088 |
| Cost of funding earning assets | 0.9601% | 1,786 |
| Net interest margin | 3.4318% | 4,915 |
| Noninterest income to average assets | 2.1652% | 382 |
| Noninterest expense to average assets | 3.9718% | 970 |
| Loan and lease loss provision to assets | 0.1250% | 3,987 |
| Net operating income to assets | 0.9964% | 2,529 |
| Return on assets (ROA) | 0.9964% | 2,751 |
| Pretax return on assets | 1.0491% | 3,536 |
| Return on Equity (ROE) | 12.4179% | 1,491 |
| Retained earnings to average equity (ytd only) | 9.2109% | 1,150 |
| Net charge-offs to loans | 0.8214% | 1,334 |
| Credit loss provision to net charge-offs | 28.4006% | 4,822 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,970 |
| Efficiency ratio | 77.1838% | 2,498 |
| Assets per employee ($millions) | 2.9600% | 6,113 |
| Cash dividends to net income (ytd only)* | 25.8256% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,632 |
| Loan loss allowance to noncurrent loans | 40.2542% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.4787% | 1,443 |
| Noncurrent loans to loans | 3.9075% | 1,325 |
| Net loans and leases to total assets | 53.9544% | 4,754 |
| Net loans and leases to deposits | 63.5065% | 4,775 |
| Net loans and leases to core deposits | 64.1873% | 5,130 |
| Total domestic deposits to total assets | 84.9589% | 3,762 |
| Equity capital to assets | 8.7857% | 6,028 |
| Core capital (leverage) ratio | 8.6331% | 5,574 |
| Tier 1 risk-based capital ratio | 13.3179% | 5,007 |
| Total risk-based capital ratio | 14.5684% | 4,976 |
| Memoranda: | ||
| Average total assets | $202,590,000 | 3,047 |
| Average earning assets | $175,956,750 | 3,181 |
| Average equity | $16,255,750 | 3,778 |
| Average total loans | $108,592,250 | 3,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 4,303 |
| Cost of funding earning assets | 0.9920% | 1,815 |
| Net interest margin | 3.3787% | 5,172 |
| Noninterest income to average assets | 2.0587% | 386 |
| Noninterest expense to average assets | 4.0723% | 861 |
| Loan and lease loss provision to assets | 0.1863% | 3,241 |
| Net operating income to assets | 0.6921% | 3,907 |
| Return on assets (ROA) | 0.6921% | 4,172 |
| Pretax return on assets | 0.7284% | 4,742 |
| Return on Equity (ROE) | 8.8993% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.9707% | 3,969 |
| Net charge-offs to loans | 1.0355% | 1,060 |
| Credit loss provision to net charge-offs | 33.8078% | 4,383 |
| Earnings coverage of net charge-offs (x) | 1.6601% | 4,161 |
| Efficiency ratio | 81.6591% | 1,935 |
| Assets per employee ($millions) | 2.9969% | 6,073 |
| Cash dividends to net income (ytd only)* | 55.3824% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 3,346 |
| Loan loss allowance to noncurrent loans | 35.0975% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 3.9732% | 1,291 |
| Noncurrent loans to loans | 4.7642% | 1,065 |
| Net loans and leases to total assets | 52.4294% | 5,043 |
| Net loans and leases to deposits | 61.4791% | 5,071 |
| Net loans and leases to core deposits | 62.0277% | 5,383 |
| Total domestic deposits to total assets | 85.2801% | 3,721 |
| Equity capital to assets | 8.1534% | 6,485 |
| Core capital (leverage) ratio | 8.1534% | 6,091 |
| Tier 1 risk-based capital ratio | 12.6142% | 5,484 |
| Total risk-based capital ratio | 13.8660% | 5,465 |
| Memoranda: | ||
| Average total assets | $204,012,330 | 3,041 |
| Average earning assets | $176,812,330 | 3,180 |
| Average equity | $15,866,330 | 3,829 |
| Average total loans | $108,551,670 | 3,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 4,174 |
| Cost of funding earning assets | 1.0383% | 1,755 |
| Net interest margin | 3.3976% | 5,134 |
| Noninterest income to average assets | 1.8930% | 448 |
| Noninterest expense to average assets | 3.9035% | 1,060 |
| Loan and lease loss provision to assets | 0.3723% | 1,696 |
| Net operating income to assets | 0.5330% | 4,680 |
| Return on assets (ROA) | 0.5330% | 4,887 |
| Pretax return on assets | 0.5604% | 5,237 |
| Return on Equity (ROE) | 7.0232% | 3,773 |
| Retained earnings to average equity (ytd only) | -3.0727% | 6,403 |
| Net charge-offs to loans | 0.3502% | 2,254 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 5.0105% | 2,457 |
| Efficiency ratio | 80.7131% | 2,115 |
| Assets per employee ($millions) | 2.8804% | 6,386 |
| Cash dividends to net income (ytd only)* | 143.7500% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,154 |
| Loan loss allowance to noncurrent loans | 78.4610% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 2,071 |
| Noncurrent loans to loans | 2.6472% | 2,457 |
| Net loans and leases to total assets | 53.4068% | 4,815 |
| Net loans and leases to deposits | 61.6480% | 4,966 |
| Net loans and leases to core deposits | 62.1953% | 5,300 |
| Total domestic deposits to total assets | 86.6318% | 3,161 |
| Equity capital to assets | 7.6537% | 6,714 |
| Core capital (leverage) ratio | 7.6537% | 6,530 |
| Tier 1 risk-based capital ratio | 11.7814% | 6,101 |
| Total risk-based capital ratio | 13.0373% | 6,078 |
| Memoranda: | ||
| Average total assets | $204,122,500 | 3,059 |
| Average earning assets | $176,829,000 | 3,196 |
| Average equity | $15,491,500 | 3,890 |
| Average total loans | $108,495,500 | 3,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 4,027 |
| Cost of funding earning assets | 1.2820% | 1,571 |
| Net interest margin | 3.4688% | 5,256 |
| Noninterest income to average assets | 1.6321% | 515 |
| Noninterest expense to average assets | 3.6899% | 1,555 |
| Loan and lease loss provision to assets | 0.3883% | 2,663 |
| Net operating income to assets | 0.5203% | 4,339 |
| Return on assets (ROA) | 0.5203% | 4,551 |
| Pretax return on assets | 0.5404% | 4,871 |
| Return on Equity (ROE) | 6.9146% | 3,433 |
| Retained earnings to average equity (ytd only) | -3.7814% | 6,355 |
| Net charge-offs to loans | 0.8286% | 2,093 |
| Credit loss provision to net charge-offs | 86.7521% | 4,166 |
| Earnings coverage of net charge-offs (x) | 2.0748% | 4,225 |
| Efficiency ratio | 79.8923% | 2,316 |
| Assets per employee ($millions) | 3.0385% | 6,012 |
| Cash dividends to net income (ytd only)* | 154.6875% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0463% | 2,138 |
| Loan loss allowance to noncurrent loans | 110.1056% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 2.5187% | 2,410 |
| Noncurrent loans to loans | 1.8585% | 3,402 |
| Net loans and leases to total assets | 50.7383% | 5,493 |
| Net loans and leases to deposits | 58.3848% | 5,664 |
| Net loans and leases to core deposits | 58.8839% | 5,945 |
| Total domestic deposits to total assets | 86.9033% | 2,817 |
| Equity capital to assets | 7.5265% | 6,800 |
| Core capital (leverage) ratio | 7.5265% | 6,635 |
| Tier 1 risk-based capital ratio | 11.9863% | 5,845 |
| Total risk-based capital ratio | 13.2419% | 5,816 |
| Memoranda: | ||
| Average total assets | $209,112,800 | 2,954 |
| Average earning assets | $180,031,200 | 3,088 |
| Average equity | $15,734,800 | 3,765 |
| Average total loans | $112,960,200 | 3,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 3,934 |
| Cost of funding earning assets | 1.3271% | 1,561 |
| Net interest margin | 3.4948% | 5,216 |
| Noninterest income to average assets | 1.7259% | 469 |
| Noninterest expense to average assets | 3.7850% | 1,327 |
| Loan and lease loss provision to assets | 0.3382% | 2,852 |
| Net operating income to assets | 0.5779% | 4,188 |
| Return on assets (ROA) | 0.5779% | 4,368 |
| Pretax return on assets | 0.6077% | 4,782 |
| Return on Equity (ROE) | 7.6801% | 3,186 |
| Retained earnings to average equity (ytd only) | -2.9149% | 6,407 |
| Net charge-offs to loans | 0.8679% | 1,828 |
| Credit loss provision to net charge-offs | 71.4094% | 4,436 |
| Earnings coverage of net charge-offs (x) | 1.9973% | 4,152 |
| Efficiency ratio | 80.0054% | 2,256 |
| Assets per employee ($millions) | 2.9370% | 6,252 |
| Cash dividends to net income (ytd only)* | 137.9539% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9012% | 2,606 |
| Loan loss allowance to noncurrent loans | 81.1751% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0044% | 2,137 |
| Noncurrent loans to loans | 2.3422% | 2,957 |
| Net loans and leases to total assets | 51.9609% | 5,452 |
| Net loans and leases to deposits | 59.9127% | 5,640 |
| Net loans and leases to core deposits | 60.3364% | 5,960 |
| Total domestic deposits to total assets | 86.7276% | 2,805 |
| Equity capital to assets | 7.5773% | 6,907 |
| Core capital (leverage) ratio | 7.5773% | 6,716 |
| Tier 1 risk-based capital ratio | 10.9109% | 6,596 |
| Total risk-based capital ratio | 12.1635% | 6,573 |
| Memoranda: | ||
| Average total assets | $209,736,750 | 2,962 |
| Average earning assets | $180,341,250 | 3,104 |
| Average equity | $15,780,750 | 3,776 |
| Average total loans | $114,444,250 | 3,311 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 3,506 |
| Cost of funding earning assets | 1.3627% | 1,588 |
| Net interest margin | 3.5639% | 4,863 |
| Noninterest income to average assets | 1.7703% | 438 |
| Noninterest expense to average assets | 3.8289% | 1,310 |
| Loan and lease loss provision to assets | 0.4235% | 2,315 |
| Net operating income to assets | 0.5558% | 4,282 |
| Return on assets (ROA) | 0.5558% | 4,408 |
| Pretax return on assets | 0.5844% | 4,795 |
| Return on Equity (ROE) | 7.4046% | 3,237 |
| Retained earnings to average equity (ytd only) | -8.4950% | 6,798 |
| Net charge-offs to loans | 0.7031% | 2,104 |
| Credit loss provision to net charge-offs | 109.3366% | 2,810 |
| Earnings coverage of net charge-offs (x) | 2.6020% | 3,526 |
| Efficiency ratio | 79.1617% | 2,527 |
| Assets per employee ($millions) | 2.9996% | 6,091 |
| Cash dividends to net income (ytd only)* | 214.7260% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 2,219 |
| Loan loss allowance to noncurrent loans | 85.2120% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 3.3136% | 2,007 |
| Noncurrent loans to loans | 2.4129% | 2,977 |
| Net loans and leases to total assets | 52.5865% | 5,488 |
| Net loans and leases to deposits | 60.5527% | 5,667 |
| Net loans and leases to core deposits | 61.0644% | 5,996 |
| Total domestic deposits to total assets | 86.8442% | 2,826 |
| Equity capital to assets | 7.2667% | 7,038 |
| Core capital (leverage) ratio | 7.2667% | 6,884 |
| Tier 1 risk-based capital ratio | 10.9441% | 6,577 |
| Total risk-based capital ratio | 12.1993% | 6,541 |
| Memoranda: | ||
| Average total assets | $210,139,000 | 2,973 |
| Average earning assets | $180,812,670 | 3,122 |
| Average equity | $15,774,000 | 3,771 |
| Average total loans | $115,774,330 | 3,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 2,974 |
| Cost of funding earning assets | 1.3902% | 1,663 |
| Net interest margin | 3.6372% | 4,386 |
| Noninterest income to average assets | 1.7094% | 467 |
| Noninterest expense to average assets | 3.8462% | 1,257 |
| Loan and lease loss provision to assets | 0.1725% | 3,906 |
| Net operating income to assets | 0.7742% | 3,147 |
| Return on assets (ROA) | 0.7742% | 3,221 |
| Pretax return on assets | 0.8145% | 3,851 |
| Return on Equity (ROE) | 10.1488% | 2,047 |
| Retained earnings to average equity (ytd only) | -11.2039% | 6,912 |
| Net charge-offs to loans | 0.7348% | 1,748 |
| Credit loss provision to net charge-offs | 42.0561% | 3,902 |
| Earnings coverage of net charge-offs (x) | 2.4065% | 3,117 |
| Efficiency ratio | 79.5797% | 2,606 |
| Assets per employee ($millions) | 2.9699% | 6,198 |
| Cash dividends to net income (ytd only)* | 210.3960% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 2,714 |
| Loan loss allowance to noncurrent loans | 106.4171% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 3.0665% | 2,249 |
| Noncurrent loans to loans | 1.7792% | 3,850 |
| Net loans and leases to total assets | 53.7907% | 5,331 |
| Net loans and leases to deposits | 62.4789% | 5,444 |
| Net loans and leases to core deposits | 62.9292% | 5,835 |
| Total domestic deposits to total assets | 86.0941% | 3,469 |
| Equity capital to assets | 7.4457% | 6,897 |
| Core capital (leverage) ratio | 7.4457% | 6,761 |
| Tier 1 risk-based capital ratio | 11.1349% | 6,410 |
| Total risk-based capital ratio | 12.3888% | 6,375 |
| Memoranda: | ||
| Average total assets | $208,723,000 | 3,005 |
| Average earning assets | $179,260,500 | 3,158 |
| Average equity | $15,923,000 | 3,739 |
| Average total loans | $116,489,000 | 3,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 2,180 |
| Cost of funding earning assets | 1.5030% | 2,621 |
| Net interest margin | 4.0222% | 2,916 |
| Noninterest income to average assets | 1.7631% | 484 |
| Noninterest expense to average assets | 3.8027% | 1,482 |
| Loan and lease loss provision to assets | 0.3623% | 3,943 |
| Net operating income to assets | 0.9798% | 2,108 |
| Return on assets (ROA) | 0.9798% | 2,222 |
| Pretax return on assets | 1.0305% | 2,837 |
| Return on Equity (ROE) | 12.6771% | 1,167 |
| Retained earnings to average equity (ytd only) | 9.1257% | 673 |
| Net charge-offs to loans | 0.9392% | 2,304 |
| Credit loss provision to net charge-offs | 64.5447% | 5,994 |
| Earnings coverage of net charge-offs (x) | 2.4810% | 3,880 |
| Efficiency ratio | 73.1919% | 3,558 |
| Assets per employee ($millions) | 2.9097% | 6,299 |
| Cash dividends to net income (ytd only)* | 28.0142% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 2,379 |
| Loan loss allowance to noncurrent loans | 100.1732% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 3.4383% | 2,031 |
| Noncurrent loans to loans | 1.9673% | 3,608 |
| Net loans and leases to total assets | 55.6925% | 5,389 |
| Net loans and leases to deposits | 65.2172% | 5,492 |
| Net loans and leases to core deposits | 65.5879% | 5,920 |
| Total domestic deposits to total assets | 85.3954% | 3,663 |
| Equity capital to assets | 7.8156% | 6,663 |
| Core capital (leverage) ratio | 7.8156% | 6,419 |
| Tier 1 risk-based capital ratio | 11.3420% | 6,042 |
| Total risk-based capital ratio | 12.5966% | 6,037 |
| Memoranda: | ||
| Average total assets | $201,463,000 | 3,083 |
| Average earning assets | $171,920,600 | 3,246 |
| Average equity | $15,571,400 | 3,847 |
| Average total loans | $120,422,400 | 3,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 2,005 |
| Cost of funding earning assets | 1.5226% | 2,824 |
| Net interest margin | 4.0944% | 2,647 |
| Noninterest income to average assets | 1.7111% | 487 |
| Noninterest expense to average assets | 3.8304% | 1,321 |
| Loan and lease loss provision to assets | 0.3996% | 3,509 |
| Net operating income to assets | 0.9238% | 2,523 |
| Return on assets (ROA) | 0.9238% | 2,657 |
| Pretax return on assets | 0.9718% | 3,285 |
| Return on Equity (ROE) | 11.9868% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.9868% | 462 |
| Net charge-offs to loans | 0.8241% | 2,394 |
| Credit loss provision to net charge-offs | 80.1068% | 5,130 |
| Earnings coverage of net charge-offs (x) | 2.7490% | 3,772 |
| Efficiency ratio | 73.6364% | 3,390 |
| Assets per employee ($millions) | 2.9722% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1604% | 1,872 |
| Loan loss allowance to noncurrent loans | 170.4787% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 3.3620% | 2,120 |
| Noncurrent loans to loans | 1.2673% | 4,737 |
| Net loans and leases to total assets | 57.4519% | 5,345 |
| Net loans and leases to deposits | 67.7539% | 5,453 |
| Net loans and leases to core deposits | 68.1520% | 5,923 |
| Total domestic deposits to total assets | 84.7949% | 3,724 |
| Equity capital to assets | 7.9719% | 6,818 |
| Core capital (leverage) ratio | 7.9719% | 6,387 |
| Tier 1 risk-based capital ratio | 11.1796% | 6,211 |
| Total risk-based capital ratio | 12.4362% | 6,203 |
| Memoranda: | ||
| Average total assets | $200,182,250 | 3,136 |
| Average earning assets | $170,667,250 | 3,313 |
| Average equity | $15,427,750 | 3,917 |
| Average total loans | $121,186,500 | 3,346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 1,746 |
| Cost of funding earning assets | 1.5329% | 3,050 |
| Net interest margin | 4.1708% | 2,258 |
| Noninterest income to average assets | 1.8072% | 412 |
| Noninterest expense to average assets | 3.8258% | 1,315 |
| Loan and lease loss provision to assets | 0.6014% | 2,384 |
| Net operating income to assets | 0.8900% | 2,584 |
| Return on assets (ROA) | 0.8900% | 2,707 |
| Pretax return on assets | 0.9362% | 3,356 |
| Return on Equity (ROE) | 11.6845% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.6845% | 537 |
| Net charge-offs to loans | 1.0015% | 1,858 |
| Credit loss provision to net charge-offs | 98.1997% | 4,176 |
| Earnings coverage of net charge-offs (x) | 2.5106% | 3,746 |
| Efficiency ratio | 71.3325% | 3,934 |
| Assets per employee ($millions) | 2.9868% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 1,636 |
| Loan loss allowance to noncurrent loans | 85.7279% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 4.0418% | 1,703 |
| Noncurrent loans to loans | 2.6480% | 2,990 |
| Net loans and leases to total assets | 57.2938% | 5,521 |
| Net loans and leases to deposits | 67.4664% | 5,617 |
| Net loans and leases to core deposits | 67.7512% | 6,077 |
| Total domestic deposits to total assets | 84.9220% | 3,671 |
| Equity capital to assets | 7.6872% | 7,002 |
| Core capital (leverage) ratio | 7.6872% | 6,626 |
| Tier 1 risk-based capital ratio | 10.9045% | 6,337 |
| Total risk-based capital ratio | 12.1623% | 6,317 |
| Memoranda: | ||
| Average total assets | $199,539,670 | 3,170 |
| Average earning assets | $170,135,000 | 3,341 |
| Average equity | $15,199,670 | 3,952 |
| Average total loans | $122,022,000 | 3,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9458% | 1,087 |
| Cost of funding earning assets | 1.5481% | 3,279 |
| Net interest margin | 4.3977% | 1,397 |
| Noninterest income to average assets | 1.8710% | 373 |
| Noninterest expense to average assets | 3.7743% | 1,363 |
| Loan and lease loss provision to assets | 0.7079% | 1,797 |
| Net operating income to assets | 1.0842% | 1,880 |
| Return on assets (ROA) | 1.0842% | 1,961 |
| Pretax return on assets | 1.1408% | 2,585 |
| Return on Equity (ROE) | 14.3000% | 995 |
| Retained earnings to average equity (ytd only) | 14.3000% | 471 |
| Net charge-offs to loans | 1.0008% | 1,640 |
| Credit loss provision to net charge-offs | 113.2686% | 3,069 |
| Earnings coverage of net charge-offs (x) | 2.9579% | 3,073 |
| Efficiency ratio | 67.1223% | 4,892 |
| Assets per employee ($millions) | 3.0437% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 1,642 |
| Loan loss allowance to noncurrent loans | 226.7490% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 2.6800% | 2,720 |
| Noncurrent loans to loans | 0.9968% | 5,328 |
| Net loans and leases to total assets | 60.2182% | 5,086 |
| Net loans and leases to deposits | 70.4170% | 5,278 |
| Net loans and leases to core deposits | 70.8783% | 5,837 |
| Total domestic deposits to total assets | 85.5165% | 3,408 |
| Equity capital to assets | 7.7138% | 6,920 |
| Core capital (leverage) ratio | 7.7138% | 6,609 |
| Tier 1 risk-based capital ratio | 10.6217% | 6,520 |
| Total risk-based capital ratio | 11.8800% | 6,498 |
| Memoranda: | ||
| Average total assets | $197,757,500 | 3,250 |
| Average earning assets | $168,725,500 | 3,419 |
| Average equity | $14,993,000 | 4,017 |
| Average total loans | $123,498,500 | 3,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2724% | 1,073 |
| Cost of funding earning assets | 1.8815% | 3,554 |
| Net interest margin | 4.3909% | 1,459 |
| Noninterest income to average assets | 1.5942% | 566 |
| Noninterest expense to average assets | 3.4662% | 2,466 |
| Loan and lease loss provision to assets | 1.4543% | 1,584 |
| Net operating income to assets | 0.3730% | 4,235 |
| Return on assets (ROA) | 0.3897% | 4,267 |
| Pretax return on assets | 0.4094% | 4,470 |
| Return on Equity (ROE) | 5.0805% | 3,635 |
| Retained earnings to average equity (ytd only) | 0.3175% | 4,731 |
| Net charge-offs to loans | 1.0963% | 2,226 |
| Credit loss provision to net charge-offs | 204.9671% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.6019% | 3,817 |
| Efficiency ratio | 65.2488% | 5,546 |
| Assets per employee ($millions) | 3.1377% | 5,894 |
| Cash dividends to net income (ytd only)* | 93.7500% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1693% | 1,702 |
| Loan loss allowance to noncurrent loans | 81.6978% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 3.0616% | 2,277 |
| Noncurrent loans to loans | 2.6553% | 2,895 |
| Net loans and leases to total assets | 61.9160% | 5,005 |
| Net loans and leases to deposits | 72.6773% | 5,237 |
| Net loans and leases to core deposits | 80.4244% | 6,048 |
| Total domestic deposits to total assets | 85.1929% | 3,461 |
| Equity capital to assets | 7.4491% | 7,077 |
| Core capital (leverage) ratio | 7.4491% | 6,834 |
| Tier 1 risk-based capital ratio | 10.0754% | 6,810 |
| Total risk-based capital ratio | 11.3330% | 6,761 |
| Memoranda: | ||
| Average total assets | $192,947,000 | 3,260 |
| Average earning assets | $163,381,600 | 3,456 |
| Average equity | $14,801,600 | 4,096 |
| Average total loans | $124,876,800 | 3,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2986% | 1,141 |
| Cost of funding earning assets | 1.9585% | 3,573 |
| Net interest margin | 4.3400% | 1,616 |
| Noninterest income to average assets | 1.5831% | 587 |
| Noninterest expense to average assets | 3.3853% | 2,622 |
| Loan and lease loss provision to assets | 1.2612% | 1,527 |
| Net operating income to assets | 0.5727% | 3,717 |
| Return on assets (ROA) | 0.5952% | 3,682 |
| Pretax return on assets | 0.6271% | 4,099 |
| Return on Equity (ROE) | 7.7007% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.3584% | 4,560 |
| Net charge-offs to loans | 0.8343% | 2,295 |
| Credit loss provision to net charge-offs | 232.2663% | 1,881 |
| Earnings coverage of net charge-offs (x) | 3.4340% | 3,534 |
| Efficiency ratio | 64.4815% | 5,663 |
| Assets per employee ($millions) | 2.9649% | 6,254 |
| Cash dividends to net income (ytd only)* | 82.3605% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,144 |
| Loan loss allowance to noncurrent loans | 73.1013% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 3.9908% | 1,608 |
| Noncurrent loans to loans | 2.5388% | 2,973 |
| Net loans and leases to total assets | 63.3876% | 4,997 |
| Net loans and leases to deposits | 77.1492% | 4,876 |
| Net loans and leases to core deposits | 85.1643% | 5,956 |
| Total domestic deposits to total assets | 82.1624% | 4,607 |
| Equity capital to assets | 7.6947% | 7,153 |
| Core capital (leverage) ratio | 7.6947% | 6,740 |
| Tier 1 risk-based capital ratio | 10.0584% | 6,919 |
| Total risk-based capital ratio | 11.3126% | 6,867 |
| Memoranda: | ||
| Average total assets | $191,764,750 | 3,296 |
| Average earning assets | $162,022,000 | 3,511 |
| Average equity | $14,820,750 | 4,130 |
| Average total loans | $124,819,250 | 3,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2876% | 1,241 |
| Cost of funding earning assets | 2.0232% | 3,661 |
| Net interest margin | 4.2644% | 1,766 |
| Noninterest income to average assets | 1.5712% | 608 |
| Noninterest expense to average assets | 3.3607% | 2,751 |
| Loan and lease loss provision to assets | 1.1899% | 1,449 |
| Net operating income to assets | 0.5847% | 3,748 |
| Return on assets (ROA) | 0.6184% | 3,715 |
| Pretax return on assets | 0.6519% | 4,158 |
| Return on Equity (ROE) | 7.9903% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.3841% | 1,852 |
| Net charge-offs to loans | 0.9461% | 1,833 |
| Credit loss provision to net charge-offs | 192.7242% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.9255% | 3,639 |
| Efficiency ratio | 65.0425% | 5,712 |
| Assets per employee ($millions) | 2.8878% | 6,424 |
| Cash dividends to net income (ytd only)* | 20.1014% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,354 |
| Loan loss allowance to noncurrent loans | 34.1441% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3926% | 1,297 |
| Noncurrent loans to loans | 4.3029% | 1,523 |
| Net loans and leases to total assets | 63.2579% | 5,133 |
| Net loans and leases to deposits | 78.3873% | 4,805 |
| Net loans and leases to core deposits | 86.1147% | 5,889 |
| Total domestic deposits to total assets | 80.6992% | 5,194 |
| Equity capital to assets | 7.8306% | 6,940 |
| Core capital (leverage) ratio | 7.8306% | 6,576 |
| Tier 1 risk-based capital ratio | 10.2979% | 6,596 |
| Total risk-based capital ratio | 11.5383% | 6,544 |
| Memoranda: | ||
| Average total assets | $191,447,670 | 3,325 |
| Average earning assets | $161,429,670 | 3,536 |
| Average equity | $14,818,000 | 4,144 |
| Average total loans | $124,936,330 | 3,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4038% | 1,055 |
| Cost of funding earning assets | 2.1071% | 3,620 |
| Net interest margin | 4.2967% | 1,613 |
| Noninterest income to average assets | 1.7077% | 466 |
| Noninterest expense to average assets | 3.3314% | 2,561 |
| Loan and lease loss provision to assets | 1.9157% | 635 |
| Net operating income to assets | 0.0715% | 6,061 |
| Return on assets (ROA) | 0.1386% | 6,030 |
| Pretax return on assets | 0.1470% | 6,057 |
| Return on Equity (ROE) | 1.8019% | 5,840 |
| Retained earnings to average equity (ytd only) | -1.4470% | 5,989 |
| Net charge-offs to loans | 0.5268% | 2,137 |
| Credit loss provision to net charge-offs | 552.7273% | 1,012 |
| Earnings coverage of net charge-offs (x) | 5.7455% | 2,611 |
| Efficiency ratio | 62.5888% | 5,952 |
| Assets per employee ($millions) | 2.9925% | 6,177 |
| Cash dividends to net income (ytd only)* | 180.3030% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 2,489 |
| Loan loss allowance to noncurrent loans | 46.1468% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.8429% | 1,368 |
| Noncurrent loans to loans | 3.4809% | 1,830 |
| Net loans and leases to total assets | 65.7598% | 4,641 |
| Net loans and leases to deposits | 80.8748% | 4,476 |
| Net loans and leases to core deposits | 88.9081% | 5,657 |
| Total domestic deposits to total assets | 81.3107% | 4,833 |
| Equity capital to assets | 7.7574% | 7,124 |
| Core capital (leverage) ratio | 7.7574% | 6,811 |
| Tier 1 risk-based capital ratio | 9.9217% | 7,011 |
| Total risk-based capital ratio | 11.1734% | 6,904 |
| Memoranda: | ||
| Average total assets | $190,429,500 | 3,354 |
| Average earning assets | $160,217,500 | 3,565 |
| Average equity | $14,651,500 | 4,200 |
| Average total loans | $125,295,000 | 3,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0650% | 982 |
| Cost of funding earning assets | 2.6514% | 3,418 |
| Net interest margin | 4.4136% | 1,647 |
| Noninterest income to average assets | 1.8630% | 389 |
| Noninterest expense to average assets | 3.2865% | 3,013 |
| Loan and lease loss provision to assets | 0.8690% | 1,717 |
| Net operating income to assets | 1.4784% | 1,067 |
| Return on assets (ROA) | 1.3675% | 1,258 |
| Pretax return on assets | 1.3950% | 1,986 |
| Return on Equity (ROE) | 17.6475% | 565 |
| Retained earnings to average equity (ytd only) | -5.8445% | 6,647 |
| Net charge-offs to loans | 1.1860% | 1,019 |
| Credit loss provision to net charge-offs | 109.4056% | 4,918 |
| Earnings coverage of net charge-offs (x) | 2.9928% | 4,591 |
| Efficiency ratio | 58.0288% | 6,693 |
| Assets per employee ($millions) | 3.1021% | 5,760 |
| Cash dividends to net income (ytd only)* | 133.1184% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 5,820 |
| Loan loss allowance to noncurrent loans | 33.6495% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 3.5850% | 1,228 |
| Noncurrent loans to loans | 3.0460% | 1,754 |
| Net loans and leases to total assets | 64.1151% | 5,249 |
| Net loans and leases to deposits | 80.9405% | 4,885 |
| Net loans and leases to core deposits | 88.2679% | 5,948 |
| Total domestic deposits to total assets | 79.2127% | 5,294 |
| Equity capital to assets | 7.6317% | 7,277 |
| Core capital (leverage) ratio | 7.6317% | 7,031 |
| Tier 1 risk-based capital ratio | 9.8982% | 6,851 |
| Total risk-based capital ratio | 10.7593% | 7,218 |
| Memoranda: | ||
| Average total assets | $192,756,800 | 3,232 |
| Average earning assets | $165,986,400 | 3,387 |
| Average equity | $14,937,000 | 4,151 |
| Average total loans | $129,087,000 | 3,286 |