Home > OSB Community Bank > Performance and Condition Ratios
OSB Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 3,138 |
| Cost of funding earning assets | 2.1559% | 1,837 |
| Net interest margin | 2.8192% | 3,457 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 2.3272% | 2,789 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | 0.4534% | 3,580 |
| Return on assets (ROA) | 0.3205% | 3,836 |
| Pretax return on assets | 0.4245% | 3,764 |
| Return on Equity (ROE) | 2.7800% | 3,894 |
| Retained earnings to average equity (ytd only) | -4.2250% | 4,258 |
| Net charge-offs to loans | -0.0129% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 80.8633% | 987 |
| Assets per employee ($millions) | 8.2232% | 1,408 |
| Cash dividends to net income (ytd only)* | 251.7060% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,316 |
| Loan loss allowance to noncurrent loans | 88.4568% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3671% | 430 |
| Noncurrent loans to loans | 1.5784% | 586 |
| Net loans and leases to total assets | 85.4000% | 189 |
| Net loans and leases to deposits | 105.7932% | 258 |
| Net loans and leases to core deposits | 126.6181% | 432 |
| Total domestic deposits to total assets | 80.7200% | 3,459 |
| Equity capital to assets | 11.5607% | 1,336 |
| Core capital (leverage) ratio | 12.0556% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1709% | 867 |
| Memoranda: | ||
| Average total assets | $356,616,200 | 2,210 |
| Average earning assets | $331,969,200 | 2,204 |
| Average equity | $41,041,800 | 1,942 |
| Average total loans | $309,856,400 | 1,818 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 3,284 |
| Cost of funding earning assets | 2.1250% | 1,917 |
| Net interest margin | 2.7284% | 3,562 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.3176% | 2,742 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 0.3787% | 3,723 |
| Return on assets (ROA) | 0.2018% | 4,034 |
| Pretax return on assets | 0.2574% | 4,003 |
| Return on Equity (ROE) | 1.7600% | 4,051 |
| Retained earnings to average equity (ytd only) | -6.9873% | 4,384 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 83.7535% | 829 |
| Assets per employee ($millions) | 8.4545% | 1,285 |
| Cash dividends to net income (ytd only)* | 497.9667% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,367 |
| Loan loss allowance to noncurrent loans | 91.4365% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 426 |
| Noncurrent loans to loans | 1.5238% | 609 |
| Net loans and leases to total assets | 85.7600% | 161 |
| Net loans and leases to deposits | 109.3399% | 188 |
| Net loans and leases to core deposits | 129.6516% | 396 |
| Total domestic deposits to total assets | 78.4300% | 3,677 |
| Equity capital to assets | 11.4711% | 1,495 |
| Core capital (leverage) ratio | 11.9370% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4019% | 1,021 |
| Memoranda: | ||
| Average total assets | $357,371,250 | 2,194 |
| Average earning assets | $333,476,750 | 2,189 |
| Average equity | $41,082,750 | 1,946 |
| Average total loans | $310,758,000 | 1,813 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 3,288 |
| Cost of funding earning assets | 2.0635% | 1,971 |
| Net interest margin | 2.7282% | 3,542 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.2997% | 2,797 |
| Loan and lease loss provision to assets | -0.0500% | 4,317 |
| Net operating income to assets | 0.4362% | 3,588 |
| Return on assets (ROA) | 0.1580% | 4,085 |
| Pretax return on assets | 0.1904% | 4,075 |
| Return on Equity (ROE) | 1.3700% | 4,101 |
| Retained earnings to average equity (ytd only) | -11.7041% | 4,455 |
| Net charge-offs to loans | -0.0039% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.8738% | 933 |
| Assets per employee ($millions) | 8.2129% | 1,335 |
| Cash dividends to net income (ytd only)* | 951.9435% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,380 |
| Loan loss allowance to noncurrent loans | 86.3801% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 366 |
| Noncurrent loans to loans | 1.6214% | 513 |
| Net loans and leases to total assets | 85.7200% | 178 |
| Net loans and leases to deposits | 108.3670% | 249 |
| Net loans and leases to core deposits | 129.8002% | 410 |
| Total domestic deposits to total assets | 79.1000% | 3,570 |
| Equity capital to assets | 11.3053% | 1,419 |
| Core capital (leverage) ratio | 11.7848% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6545% | 981 |
| Memoranda: | ||
| Average total assets | $358,131,333 | 2,178 |
| Average earning assets | $334,289,333 | 2,165 |
| Average equity | $41,199,333 | 1,914 |
| Average total loans | $311,400,667 | 1,811 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 3,333 |
| Cost of funding earning assets | 2.0144% | 1,955 |
| Net interest margin | 2.6807% | 3,603 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.2716% | 2,882 |
| Loan and lease loss provision to assets | -0.0400% | 4,323 |
| Net operating income to assets | 0.3749% | 3,673 |
| Return on assets (ROA) | 0.3749% | 3,695 |
| Pretax return on assets | 0.4869% | 3,592 |
| Return on Equity (ROE) | 3.2300% | 3,810 |
| Retained earnings to average equity (ytd only) | -0.4972% | 3,792 |
| Net charge-offs to loans | -0.0064% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.5918% | 940 |
| Assets per employee ($millions) | 8.1223% | 1,378 |
| Cash dividends to net income (ytd only)* | 115.3846% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,404 |
| Loan loss allowance to noncurrent loans | 89.9834% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 355 |
| Noncurrent loans to loans | 1.5523% | 509 |
| Net loans and leases to total assets | 85.7000% | 178 |
| Net loans and leases to deposits | 107.8330% | 232 |
| Net loans and leases to core deposits | 129.0473% | 434 |
| Total domestic deposits to total assets | 79.4800% | 3,601 |
| Equity capital to assets | 11.6789% | 1,234 |
| Core capital (leverage) ratio | 12.3034% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6971% | 833 |
| Memoranda: | ||
| Average total assets | $360,620,000 | 2,176 |
| Average earning assets | $337,376,000 | 2,161 |
| Average equity | $41,836,500 | 1,897 |
| Average total loans | $313,591,000 | 1,797 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 3,001 |
| Cost of funding earning assets | 1.6694% | 1,518 |
| Net interest margin | 2.8868% | 3,517 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2386% | 3,016 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.5723% | 3,509 |
| Return on assets (ROA) | 0.5692% | 3,504 |
| Pretax return on assets | 0.7775% | 3,263 |
| Return on Equity (ROE) | 4.9600% | 3,731 |
| Retained earnings to average equity (ytd only) | 0.4373% | 3,965 |
| Net charge-offs to loans | 0.0667% | 1,182 |
| Credit loss provision to net charge-offs | -91.0377% | 4,472 |
| Earnings coverage of net charge-offs (x) | 12.5236% | 2,144 |
| Efficiency ratio | 75.4508% | 1,298 |
| Assets per employee ($millions) | 7.9100% | 1,484 |
| Cash dividends to net income (ytd only)* | 91.1807% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,457 |
| Loan loss allowance to noncurrent loans | 91.1005% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 313 |
| Noncurrent loans to loans | 1.5157% | 451 |
| Net loans and leases to total assets | 85.8000% | 169 |
| Net loans and leases to deposits | 109.9809% | 199 |
| Net loans and leases to core deposits | 130.6868% | 390 |
| Total domestic deposits to total assets | 78.0100% | 3,724 |
| Equity capital to assets | 11.5251% | 1,277 |
| Core capital (leverage) ratio | 12.2890% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8613% | 949 |
| Memoranda: | ||
| Average total assets | $364,517,800 | 2,140 |
| Average earning assets | $338,509,600 | 2,133 |
| Average equity | $41,848,200 | 1,822 |
| Average total loans | $318,046,000 | 1,732 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,845 |
| Cost of funding earning assets | 1.6027% | 1,366 |
| Net interest margin | 2.9268% | 3,489 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2287% | 3,001 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.6044% | 3,536 |
| Return on assets (ROA) | 0.6003% | 3,529 |
| Pretax return on assets | 0.8215% | 3,286 |
| Return on Equity (ROE) | 5.2300% | 3,773 |
| Retained earnings to average equity (ytd only) | 0.8671% | 3,976 |
| Net charge-offs to loans | 0.0963% | 809 |
| Credit loss provision to net charge-offs | -68.6957% | 4,514 |
| Earnings coverage of net charge-offs (x) | 9.1435% | 2,173 |
| Efficiency ratio | 74.3505% | 1,333 |
| Assets per employee ($millions) | 7.9383% | 1,375 |
| Cash dividends to net income (ytd only)* | 83.4348% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,530 |
| Loan loss allowance to noncurrent loans | 89.9365% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 307 |
| Noncurrent loans to loans | 1.5343% | 466 |
| Net loans and leases to total assets | 85.8800% | 164 |
| Net loans and leases to deposits | 109.3189% | 215 |
| Net loans and leases to core deposits | 127.3381% | 384 |
| Total domestic deposits to total assets | 78.5600% | 3,758 |
| Equity capital to assets | 11.3123% | 1,242 |
| Core capital (leverage) ratio | 12.1340% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2862% | 905 |
| Memoranda: | ||
| Average total assets | $364,682,500 | 2,140 |
| Average earning assets | $337,925,000 | 2,144 |
| Average equity | $41,826,500 | 1,806 |
| Average total loans | $318,419,250 | 1,723 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,643 |
| Cost of funding earning assets | 1.5038% | 1,235 |
| Net interest margin | 2.9963% | 3,441 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2501% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5882% | 3,610 |
| Return on assets (ROA) | 0.5821% | 3,632 |
| Pretax return on assets | 0.7989% | 3,399 |
| Return on Equity (ROE) | 5.0500% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.0524% | 3,900 |
| Net charge-offs to loans | -0.0747% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5473% | 1,398 |
| Assets per employee ($millions) | 7.9717% | 1,336 |
| Cash dividends to net income (ytd only)* | 79.1706% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,119 |
| Loan loss allowance to noncurrent loans | 90.3726% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 243 |
| Noncurrent loans to loans | 1.6809% | 369 |
| Net loans and leases to total assets | 86.6300% | 126 |
| Net loans and leases to deposits | 108.2074% | 245 |
| Net loans and leases to core deposits | 127.0264% | 371 |
| Total domestic deposits to total assets | 80.0600% | 3,574 |
| Equity capital to assets | 11.3723% | 1,239 |
| Core capital (leverage) ratio | 12.0585% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7417% | 996 |
| Memoranda: | ||
| Average total assets | $364,523,333 | 2,148 |
| Average earning assets | $336,748,333 | 2,155 |
| Average equity | $41,999,333 | 1,813 |
| Average total loans | $318,562,333 | 1,712 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,641 |
| Cost of funding earning assets | 1.3226% | 1,182 |
| Net interest margin | 3.0437% | 3,484 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2397% | 2,986 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.5206% | 3,844 |
| Return on assets (ROA) | 0.5206% | 3,803 |
| Pretax return on assets | 0.7165% | 3,625 |
| Return on Equity (ROE) | 4.4900% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.4889% | 3,133 |
| Net charge-offs to loans | -0.0152% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.0609% | 1,528 |
| Assets per employee ($millions) | 7.5323% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,164 |
| Loan loss allowance to noncurrent loans | 203.9752% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 762 |
| Noncurrent loans to loans | 0.7522% | 1,019 |
| Net loans and leases to total assets | 85.6600% | 145 |
| Net loans and leases to deposits | 106.3769% | 242 |
| Net loans and leases to core deposits | 125.1717% | 343 |
| Total domestic deposits to total assets | 80.5200% | 3,705 |
| Equity capital to assets | 11.4232% | 1,181 |
| Core capital (leverage) ratio | 12.3624% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2392% | 957 |
| Memoranda: | ||
| Average total assets | $363,435,500 | 2,184 |
| Average earning assets | $334,198,500 | 2,193 |
| Average equity | $42,148,000 | 1,830 |
| Average total loans | $316,563,500 | 1,736 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 1,219 |
| Cost of funding earning assets | 0.5855% | 961 |
| Net interest margin | 3.6271% | 1,566 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3904% | 2,451 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.7350% | 3,521 |
| Return on assets (ROA) | 0.7321% | 3,471 |
| Pretax return on assets | 1.0110% | 3,047 |
| Return on Equity (ROE) | 5.8300% | 3,859 |
| Retained earnings to average equity (ytd only) | -3.2237% | 4,523 |
| Net charge-offs to loans | 0.1641% | 509 |
| Credit loss provision to net charge-offs | 235.7290% | 1,025 |
| Earnings coverage of net charge-offs (x) | 9.6550% | 2,218 |
| Efficiency ratio | 64.0355% | 2,482 |
| Assets per employee ($millions) | 7.4540% | 1,648 |
| Cash dividends to net income (ytd only)* | 155.2652% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 1,578 |
| Loan loss allowance to noncurrent loans | 188.0630% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 779 |
| Noncurrent loans to loans | 0.7329% | 1,024 |
| Net loans and leases to total assets | 86.0100% | 156 |
| Net loans and leases to deposits | 105.7735% | 248 |
| Net loans and leases to core deposits | 122.5851% | 330 |
| Total domestic deposits to total assets | 81.3200% | 3,722 |
| Equity capital to assets | 11.7765% | 998 |
| Core capital (leverage) ratio | 12.4720% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6323% | 877 |
| Memoranda: | ||
| Average total assets | $350,233,000 | 2,226 |
| Average earning assets | $323,840,800 | 2,222 |
| Average equity | $43,955,400 | 1,786 |
| Average total loans | $296,855,600 | 1,736 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 989 |
| Cost of funding earning assets | 0.4611% | 928 |
| Net interest margin | 3.6803% | 1,187 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.4003% | 2,327 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.7610% | 3,382 |
| Return on assets (ROA) | 0.7571% | 3,342 |
| Pretax return on assets | 1.0426% | 2,894 |
| Return on Equity (ROE) | 5.9400% | 3,810 |
| Retained earnings to average equity (ytd only) | -0.6095% | 4,395 |
| Net charge-offs to loans | -0.0359% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3972% | 2,492 |
| Assets per employee ($millions) | 6.9058% | 2,015 |
| Cash dividends to net income (ytd only)* | 110.2629% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,414 |
| Loan loss allowance to noncurrent loans | 136.7661% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 525 |
| Noncurrent loans to loans | 1.0692% | 705 |
| Net loans and leases to total assets | 83.4900% | 287 |
| Net loans and leases to deposits | 101.4236% | 321 |
| Net loans and leases to core deposits | 116.6085% | 322 |
| Total domestic deposits to total assets | 82.3100% | 3,790 |
| Equity capital to assets | 11.9963% | 888 |
| Core capital (leverage) ratio | 13.0719% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6488% | 901 |
| Memoranda: | ||
| Average total assets | $348,343,750 | 2,242 |
| Average earning assets | $322,431,750 | 2,243 |
| Average equity | $44,410,500 | 1,791 |
| Average total loans | $293,056,750 | 1,748 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 690 |
| Cost of funding earning assets | 0.4116% | 851 |
| Net interest margin | 3.7491% | 838 |
| Noninterest income to average assets | 0.3289% | 3,196 |
| Noninterest expense to average assets | 2.4910% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9551% | 2,337 |
| Return on assets (ROA) | 0.9537% | 2,316 |
| Pretax return on assets | 1.3128% | 1,699 |
| Return on Equity (ROE) | 7.3304% | 3,209 |
| Retained earnings to average equity (ytd only) | 0.6242% | 4,071 |
| Net charge-offs to loans | 0.0463% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 33.8209% | 1,341 |
| Efficiency ratio | 65.4573% | 2,588 |
| Assets per employee ($millions) | 6.8635% | 2,030 |
| Cash dividends to net income (ytd only)* | 91.4842% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,623 |
| Loan loss allowance to noncurrent loans | 347.4708% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 1,807 |
| Noncurrent loans to loans | 0.3492% | 2,103 |
| Net loans and leases to total assets | 84.7389% | 151 |
| Net loans and leases to deposits | 102.3817% | 199 |
| Net loans and leases to core deposits | 116.7350% | 233 |
| Total domestic deposits to total assets | 82.7676% | 3,907 |
| Equity capital to assets | 12.7585% | 707 |
| Core capital (leverage) ratio | 13.0954% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6103% | 767 |
| Memoranda: | ||
| Average total assets | $344,757,333 | 2,267 |
| Average earning assets | $319,706,333 | 2,272 |
| Average equity | $44,854,333 | 1,835 |
| Average total loans | $289,326,667 | 1,757 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 522 |
| Cost of funding earning assets | 0.3997% | 874 |
| Net interest margin | 3.7937% | 640 |
| Noninterest income to average assets | 0.3716% | 2,861 |
| Noninterest expense to average assets | 2.4575% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0337% | 1,746 |
| Return on assets (ROA) | 1.0337% | 1,738 |
| Pretax return on assets | 1.4296% | 1,181 |
| Return on Equity (ROE) | 7.8697% | 2,732 |
| Retained earnings to average equity (ytd only) | 1.6832% | 3,636 |
| Net charge-offs to loans | 0.0851% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 20.2459% | 1,276 |
| Efficiency ratio | 63.2222% | 3,112 |
| Assets per employee ($millions) | 6.8346% | 2,115 |
| Cash dividends to net income (ytd only)* | 78.6114% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,586 |
| Loan loss allowance to noncurrent loans | 339.2417% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 1,904 |
| Noncurrent loans to loans | 0.3693% | 2,163 |
| Net loans and leases to total assets | 80.9333% | 207 |
| Net loans and leases to deposits | 99.8273% | 181 |
| Net loans and leases to core deposits | 113.8268% | 192 |
| Total domestic deposits to total assets | 81.0733% | 4,192 |
| Equity capital to assets | 12.8983% | 710 |
| Core capital (leverage) ratio | 13.1499% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5774% | 687 |
| Memoranda: | ||
| Average total assets | $345,549,000 | 2,273 |
| Average earning assets | $320,215,000 | 2,283 |
| Average equity | $45,389,500 | 1,874 |
| Average total loans | $286,803,000 | 1,754 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 820 |
| Cost of funding earning assets | 0.5126% | 876 |
| Net interest margin | 3.8100% | 985 |
| Noninterest income to average assets | 0.6242% | 2,054 |
| Noninterest expense to average assets | 2.8846% | 1,186 |
| Loan and lease loss provision to assets | 0.0455% | 2,143 |
| Net operating income to assets | 0.8963% | 3,058 |
| Return on assets (ROA) | 0.8963% | 3,115 |
| Pretax return on assets | 1.2506% | 2,521 |
| Return on Equity (ROE) | 6.4183% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.1655% | 3,934 |
| Net charge-offs to loans | -0.0040% | 3,501 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9978% | 1,860 |
| Assets per employee ($millions) | 6.4629% | 2,359 |
| Cash dividends to net income (ytd only)* | 66.2602% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,538 |
| Loan loss allowance to noncurrent loans | 202.4472% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 1,273 |
| Noncurrent loans to loans | 0.6245% | 1,590 |
| Net loans and leases to total assets | 82.9940% | 148 |
| Net loans and leases to deposits | 103.5255% | 134 |
| Net loans and leases to core deposits | 116.7349% | 195 |
| Total domestic deposits to total assets | 80.1677% | 4,205 |
| Equity capital to assets | 13.3769% | 801 |
| Core capital (leverage) ratio | 13.2660% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5759% | 809 |
| Memoranda: | ||
| Average total assets | $329,371,800 | 2,298 |
| Average earning assets | $307,456,200 | 2,293 |
| Average equity | $45,993,200 | 1,894 |
| Average total loans | $276,151,000 | 1,810 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 872 |
| Cost of funding earning assets | 0.5426% | 862 |
| Net interest margin | 3.8142% | 1,087 |
| Noninterest income to average assets | 0.6084% | 2,183 |
| Noninterest expense to average assets | 2.9051% | 1,120 |
| Loan and lease loss provision to assets | 0.0512% | 1,967 |
| Net operating income to assets | 0.8885% | 3,282 |
| Return on assets (ROA) | 0.8885% | 3,354 |
| Pretax return on assets | 1.2136% | 2,886 |
| Return on Equity (ROE) | 6.2934% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.2934% | 2,700 |
| Net charge-offs to loans | -0.0044% | 3,393 |
| Credit loss provision to net charge-offs | -1,388.8889% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6705% | 1,637 |
| Assets per employee ($millions) | 6.1241% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,433 |
| Loan loss allowance to noncurrent loans | 231.0742% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 1,552 |
| Noncurrent loans to loans | 0.5677% | 1,891 |
| Net loans and leases to total assets | 79.2805% | 330 |
| Net loans and leases to deposits | 99.0568% | 245 |
| Net loans and leases to core deposits | 111.9275% | 288 |
| Total domestic deposits to total assets | 80.0355% | 4,227 |
| Equity capital to assets | 13.7613% | 788 |
| Core capital (leverage) ratio | 13.6481% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6028% | 634 |
| Memoranda: | ||
| Average total assets | $326,081,750 | 2,340 |
| Average earning assets | $304,466,000 | 2,336 |
| Average equity | $46,036,500 | 1,911 |
| Average total loans | $273,208,500 | 1,852 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 905 |
| Cost of funding earning assets | 0.5807% | 817 |
| Net interest margin | 3.7805% | 1,171 |
| Noninterest income to average assets | 0.6085% | 2,179 |
| Noninterest expense to average assets | 2.9071% | 1,133 |
| Loan and lease loss provision to assets | 0.0780% | 1,542 |
| Net operating income to assets | 0.8475% | 3,373 |
| Return on assets (ROA) | 0.8475% | 3,449 |
| Pretax return on assets | 1.1540% | 3,048 |
| Return on Equity (ROE) | 5.9495% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.9495% | 2,823 |
| Net charge-offs to loans | -0.0154% | 3,871 |
| Credit loss provision to net charge-offs | -595.2381% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2352% | 1,607 |
| Assets per employee ($millions) | 5.6932% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,562 |
| Loan loss allowance to noncurrent loans | 237.8609% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 1,730 |
| Noncurrent loans to loans | 0.5358% | 2,064 |
| Net loans and leases to total assets | 85.0345% | 106 |
| Net loans and leases to deposits | 107.6785% | 133 |
| Net loans and leases to core deposits | 122.0163% | 194 |
| Total domestic deposits to total assets | 78.9708% | 4,346 |
| Equity capital to assets | 14.0430% | 708 |
| Core capital (leverage) ratio | 13.7402% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0790% | 694 |
| Memoranda: | ||
| Average total assets | $320,459,667 | 2,357 |
| Average earning assets | $299,269,333 | 2,359 |
| Average equity | $45,650,667 | 1,909 |
| Average total loans | $272,443,000 | 1,872 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 1,056 |
| Cost of funding earning assets | 0.6447% | 718 |
| Net interest margin | 3.6467% | 1,454 |
| Noninterest income to average assets | 0.4766% | 2,722 |
| Noninterest expense to average assets | 2.8227% | 1,320 |
| Loan and lease loss provision to assets | 0.0634% | 1,869 |
| Net operating income to assets | 0.7326% | 3,625 |
| Return on assets (ROA) | 0.7326% | 3,693 |
| Pretax return on assets | 0.9962% | 3,381 |
| Return on Equity (ROE) | 5.1048% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.1048% | 3,192 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7065% | 1,433 |
| Assets per employee ($millions) | 5.7776% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,496 |
| Loan loss allowance to noncurrent loans | 260.6352% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,065 |
| Noncurrent loans to loans | 0.4936% | 2,376 |
| Net loans and leases to total assets | 83.6982% | 161 |
| Net loans and leases to deposits | 105.9965% | 170 |
| Net loans and leases to core deposits | 120.3088% | 236 |
| Total domestic deposits to total assets | 78.9632% | 4,335 |
| Equity capital to assets | 14.0854% | 655 |
| Core capital (leverage) ratio | 14.3772% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9838% | 681 |
| Memoranda: | ||
| Average total assets | $315,586,000 | 2,372 |
| Average earning assets | $294,728,500 | 2,366 |
| Average equity | $45,290,500 | 1,908 |
| Average total loans | $266,457,000 | 1,891 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 984 |
| Cost of funding earning assets | 0.8937% | 875 |
| Net interest margin | 3.7601% | 1,617 |
| Noninterest income to average assets | 0.7463% | 1,702 |
| Noninterest expense to average assets | 2.9504% | 1,544 |
| Loan and lease loss provision to assets | 0.2147% | 1,830 |
| Net operating income to assets | 0.8427% | 2,929 |
| Return on assets (ROA) | 0.8429% | 3,060 |
| Pretax return on assets | 1.0938% | 2,723 |
| Return on Equity (ROE) | 5.7697% | 3,652 |
| Retained earnings to average equity (ytd only) | 0.9553% | 4,240 |
| Net charge-offs to loans | 0.0464% | 2,139 |
| Credit loss provision to net charge-offs | 554.6218% | 1,174 |
| Earnings coverage of net charge-offs (x) | 33.7899% | 1,510 |
| Efficiency ratio | 69.2819% | 2,050 |
| Assets per employee ($millions) | 5.8033% | 2,542 |
| Cash dividends to net income (ytd only)* | 83.4427% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 2,213 |
| Loan loss allowance to noncurrent loans | 264.5627% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 2,175 |
| Noncurrent loans to loans | 0.5085% | 2,447 |
| Net loans and leases to total assets | 82.9396% | 233 |
| Net loans and leases to deposits | 106.9951% | 211 |
| Net loans and leases to core deposits | 115.3936% | 377 |
| Total domestic deposits to total assets | 77.5172% | 4,365 |
| Equity capital to assets | 14.6214% | 649 |
| Core capital (leverage) ratio | 14.2525% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3758% | 732 |
| Memoranda: | ||
| Average total assets | $307,378,400 | 2,264 |
| Average earning assets | $287,123,000 | 2,245 |
| Average equity | $44,907,200 | 1,851 |
| Average total loans | $256,491,600 | 1,889 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,227 |
| Cost of funding earning assets | 0.9418% | 925 |
| Net interest margin | 3.6875% | 1,983 |
| Noninterest income to average assets | 0.7705% | 1,593 |
| Noninterest expense to average assets | 2.9145% | 1,668 |
| Loan and lease loss provision to assets | 0.2863% | 1,408 |
| Net operating income to assets | 0.7498% | 3,286 |
| Return on assets (ROA) | 0.7501% | 3,390 |
| Pretax return on assets | 1.0182% | 3,001 |
| Return on Equity (ROE) | 5.0578% | 3,880 |
| Retained earnings to average equity (ytd only) | -2.9867% | 4,775 |
| Net charge-offs to loans | 0.0516% | 1,868 |
| Credit loss provision to net charge-offs | 666.6667% | 1,100 |
| Earnings coverage of net charge-offs (x) | 30.3636% | 1,568 |
| Efficiency ratio | 69.0868% | 2,025 |
| Assets per employee ($millions) | 5.9693% | 2,293 |
| Cash dividends to net income (ytd only)* | 159.0515% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 1,981 |
| Loan loss allowance to noncurrent loans | 196.3524% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 1,992 |
| Noncurrent loans to loans | 0.6848% | 2,078 |
| Net loans and leases to total assets | 82.7031% | 385 |
| Net loans and leases to deposits | 105.8231% | 327 |
| Net loans and leases to core deposits | 114.2491% | 543 |
| Total domestic deposits to total assets | 78.1522% | 4,174 |
| Equity capital to assets | 14.8691% | 669 |
| Core capital (leverage) ratio | 14.5493% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9687% | 684 |
| Memoranda: | ||
| Average total assets | $307,328,750 | 2,235 |
| Average earning assets | $287,375,000 | 2,229 |
| Average equity | $45,578,500 | 1,817 |
| Average total loans | $255,969,000 | 1,887 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,649 |
| Cost of funding earning assets | 1.0192% | 929 |
| Net interest margin | 3.5791% | 2,551 |
| Noninterest income to average assets | 0.6680% | 1,869 |
| Noninterest expense to average assets | 2.8338% | 2,010 |
| Loan and lease loss provision to assets | 0.3787% | 1,099 |
| Net operating income to assets | 0.5956% | 3,756 |
| Return on assets (ROA) | 0.5961% | 3,832 |
| Pretax return on assets | 0.8038% | 3,573 |
| Return on Equity (ROE) | 4.0232% | 4,099 |
| Retained earnings to average equity (ytd only) | -8.0949% | 4,883 |
| Net charge-offs to loans | 0.0448% | 1,854 |
| Credit loss provision to net charge-offs | 1,017.5439% | 781 |
| Earnings coverage of net charge-offs (x) | 31.7544% | 1,388 |
| Efficiency ratio | 70.5691% | 1,871 |
| Assets per employee ($millions) | 5.7743% | 2,395 |
| Cash dividends to net income (ytd only)* | 301.2048% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,819 |
| Loan loss allowance to noncurrent loans | 154.7853% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 1,705 |
| Noncurrent loans to loans | 0.8665% | 1,758 |
| Net loans and leases to total assets | 81.6463% | 440 |
| Net loans and leases to deposits | 103.9900% | 378 |
| Net loans and leases to core deposits | 112.3530% | 651 |
| Total domestic deposits to total assets | 78.5137% | 4,111 |
| Equity capital to assets | 14.5306% | 734 |
| Core capital (leverage) ratio | 14.0999% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2921% | 736 |
| Memoranda: | ||
| Average total assets | $306,304,333 | 2,212 |
| Average earning assets | $286,499,667 | 2,213 |
| Average equity | $45,386,667 | 1,815 |
| Average total loans | $254,555,000 | 1,867 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 2,333 |
| Cost of funding earning assets | 1.1367% | 943 |
| Net interest margin | 3.3539% | 3,437 |
| Noninterest income to average assets | 0.4138% | 3,004 |
| Noninterest expense to average assets | 2.8015% | 2,426 |
| Loan and lease loss provision to assets | 0.5930% | 473 |
| Net operating income to assets | 0.1294% | 4,619 |
| Return on assets (ROA) | 0.1305% | 4,624 |
| Pretax return on assets | 0.1581% | 4,612 |
| Return on Equity (ROE) | 0.8717% | 4,644 |
| Retained earnings to average equity (ytd only) | -23.3435% | 4,993 |
| Net charge-offs to loans | 0.0475% | 1,537 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 18.9667% | 1,450 |
| Efficiency ratio | 78.8868% | 1,248 |
| Assets per employee ($millions) | 5.6815% | 1,945 |
| Cash dividends to net income (ytd only)* | 2,777.7778% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,034 |
| Loan loss allowance to noncurrent loans | 121.5786% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 1,487 |
| Noncurrent loans to loans | 1.0888% | 1,528 |
| Net loans and leases to total assets | 81.5917% | 490 |
| Net loans and leases to deposits | 102.0236% | 446 |
| Net loans and leases to core deposits | 110.3678% | 836 |
| Total domestic deposits to total assets | 79.9733% | 3,871 |
| Equity capital to assets | 14.3490% | 943 |
| Core capital (leverage) ratio | 14.1947% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0630% | 738 |
| Memoranda: | ||
| Average total assets | $303,550,500 | 2,189 |
| Average earning assets | $283,968,000 | 2,174 |
| Average equity | $45,426,000 | 1,804 |
| Average total loans | $252,810,500 | 1,844 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,275 |
| Cost of funding earning assets | 1.1417% | 1,187 |
| Net interest margin | 3.5766% | 3,210 |
| Noninterest income to average assets | 0.5513% | 2,469 |
| Noninterest expense to average assets | 2.7654% | 2,706 |
| Loan and lease loss provision to assets | 0.2000% | 1,017 |
| Net operating income to assets | 0.6690% | 3,955 |
| Return on assets (ROA) | 0.6690% | 4,030 |
| Pretax return on assets | 0.9201% | 3,676 |
| Return on Equity (ROE) | 4.3723% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.3723% | 2,778 |
| Net charge-offs to loans | 0.1164% | 1,578 |
| Credit loss provision to net charge-offs | 208.7719% | 1,272 |
| Earnings coverage of net charge-offs (x) | 11.6912% | 2,472 |
| Efficiency ratio | 71.1715% | 1,995 |
| Assets per employee ($millions) | 4.6922% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,610 |
| Loan loss allowance to noncurrent loans | 130.4039% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 1,725 |
| Noncurrent loans to loans | 0.8943% | 1,719 |
| Net loans and leases to total assets | 82.9174% | 438 |
| Net loans and leases to deposits | 104.0009% | 374 |
| Net loans and leases to core deposits | 112.0047% | 757 |
| Total domestic deposits to total assets | 79.7276% | 4,036 |
| Equity capital to assets | 15.5941% | 673 |
| Core capital (leverage) ratio | 14.9971% | 692 |
| Tier 1 risk-based capital ratio | 20.9588% | 1,174 |
| Total risk-based capital ratio | 22.2099% | 1,146 |
| Memoranda: | ||
| Average total assets | $297,464,400 | 2,173 |
| Average earning assets | $277,303,600 | 2,165 |
| Average equity | $45,513,600 | 1,743 |
| Average total loans | $244,927,200 | 1,856 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 2,504 |
| Cost of funding earning assets | 1.1175% | 1,281 |
| Net interest margin | 3.5514% | 3,402 |
| Noninterest income to average assets | 0.5940% | 2,234 |
| Noninterest expense to average assets | 2.8422% | 2,430 |
| Loan and lease loss provision to assets | 0.1820% | 1,002 |
| Net operating income to assets | 0.6398% | 4,183 |
| Return on assets (ROA) | 0.6398% | 4,232 |
| Pretax return on assets | 0.8752% | 3,945 |
| Return on Equity (ROE) | 4.2019% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.2019% | 3,297 |
| Net charge-offs to loans | 0.1420% | 1,141 |
| Credit loss provision to net charge-offs | 156.3707% | 1,583 |
| Earnings coverage of net charge-offs (x) | 9.0851% | 2,599 |
| Efficiency ratio | 72.8886% | 1,718 |
| Assets per employee ($millions) | 4.7506% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 2,932 |
| Loan loss allowance to noncurrent loans | 140.7407% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 1,918 |
| Noncurrent loans to loans | 0.7961% | 1,983 |
| Net loans and leases to total assets | 80.5210% | 777 |
| Net loans and leases to deposits | 100.9530% | 568 |
| Net loans and leases to core deposits | 110.5139% | 928 |
| Total domestic deposits to total assets | 79.7609% | 4,033 |
| Equity capital to assets | 15.1832% | 800 |
| Core capital (leverage) ratio | 15.1428% | 711 |
| Tier 1 risk-based capital ratio | 20.3398% | 1,313 |
| Total risk-based capital ratio | 21.5895% | 1,276 |
| Memoranda: | ||
| Average total assets | $296,755,500 | 2,194 |
| Average earning assets | $276,207,250 | 2,181 |
| Average equity | $45,184,750 | 1,754 |
| Average total loans | $243,174,250 | 1,875 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 2,565 |
| Cost of funding earning assets | 1.0625% | 1,440 |
| Net interest margin | 3.5725% | 3,359 |
| Noninterest income to average assets | 0.4233% | 3,108 |
| Noninterest expense to average assets | 2.7201% | 2,846 |
| Loan and lease loss provision to assets | 0.2039% | 830 |
| Net operating income to assets | 0.5919% | 4,327 |
| Return on assets (ROA) | 0.5919% | 4,364 |
| Pretax return on assets | 0.8236% | 4,040 |
| Return on Equity (ROE) | 3.8833% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,304 |
| Net charge-offs to loans | 0.2317% | 729 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,659 |
| Efficiency ratio | 72.5839% | 1,829 |
| Assets per employee ($millions) | 5.0193% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,247 |
| Loan loss allowance to noncurrent loans | 142.9034% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 2,016 |
| Noncurrent loans to loans | 0.7475% | 2,118 |
| Net loans and leases to total assets | 81.4300% | 682 |
| Net loans and leases to deposits | 105.3284% | 364 |
| Net loans and leases to core deposits | 113.7677% | 787 |
| Total domestic deposits to total assets | 77.3105% | 4,521 |
| Equity capital to assets | 15.1187% | 781 |
| Core capital (leverage) ratio | 15.3708% | 636 |
| Tier 1 risk-based capital ratio | 19.7579% | 1,395 |
| Total risk-based capital ratio | 20.9370% | 1,378 |
| Memoranda: | ||
| Average total assets | $294,327,330 | 2,212 |
| Average earning assets | $273,871,000 | 2,202 |
| Average equity | $44,858,670 | 1,763 |
| Average total loans | $241,702,330 | 1,889 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,339 |
| Cost of funding earning assets | 1.0314% | 1,445 |
| Net interest margin | 3.6306% | 3,132 |
| Noninterest income to average assets | 0.3506% | 3,512 |
| Noninterest expense to average assets | 2.7060% | 2,891 |
| Loan and lease loss provision to assets | 0.1787% | 932 |
| Net operating income to assets | 0.5720% | 4,329 |
| Return on assets (ROA) | 0.5720% | 4,360 |
| Pretax return on assets | 0.8442% | 3,936 |
| Return on Equity (ROE) | 3.7374% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.7374% | 3,429 |
| Net charge-offs to loans | 0.2179% | 647 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 5.7231% | 2,243 |
| Efficiency ratio | 72.5664% | 1,945 |
| Assets per employee ($millions) | 4.9853% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,121 |
| Loan loss allowance to noncurrent loans | 237.1841% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 2,792 |
| Noncurrent loans to loans | 0.4642% | 2,921 |
| Net loans and leases to total assets | 81.6352% | 629 |
| Net loans and leases to deposits | 103.1882% | 434 |
| Net loans and leases to core deposits | 112.0598% | 826 |
| Total domestic deposits to total assets | 79.1130% | 4,333 |
| Equity capital to assets | 15.5140% | 648 |
| Core capital (leverage) ratio | 15.2630% | 644 |
| Tier 1 risk-based capital ratio | 20.3663% | 1,269 |
| Total risk-based capital ratio | 21.5873% | 1,249 |
| Memoranda: | ||
| Average total assets | $290,912,500 | 2,243 |
| Average earning assets | $270,701,500 | 2,235 |
| Average equity | $44,522,500 | 1,758 |
| Average total loans | $238,613,500 | 1,926 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 2,190 |
| Cost of funding earning assets | 0.8077% | 1,486 |
| Net interest margin | 3.7723% | 2,769 |
| Noninterest income to average assets | 0.5300% | 2,659 |
| Noninterest expense to average assets | 2.8229% | 2,607 |
| Loan and lease loss provision to assets | 0.1929% | 986 |
| Net operating income to assets | 0.7551% | 3,951 |
| Return on assets (ROA) | 0.7551% | 3,956 |
| Pretax return on assets | 1.0136% | 3,556 |
| Return on Equity (ROE) | 4.8011% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.8011% | 2,892 |
| Net charge-offs to loans | 0.1653% | 1,168 |
| Credit loss provision to net charge-offs | 142.0485% | 1,909 |
| Earnings coverage of net charge-offs (x) | 8.8841% | 2,854 |
| Efficiency ratio | 70.0581% | 2,179 |
| Assets per employee ($millions) | 5.4200% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,088 |
| Loan loss allowance to noncurrent loans | 174.7340% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 2,535 |
| Noncurrent loans to loans | 0.6305% | 2,405 |
| Net loans and leases to total assets | 80.6091% | 850 |
| Net loans and leases to deposits | 102.0847% | 585 |
| Net loans and leases to core deposits | 110.1989% | 984 |
| Total domestic deposits to total assets | 78.9630% | 4,319 |
| Equity capital to assets | 15.0974% | 689 |
| Core capital (leverage) ratio | 15.1577% | 661 |
| Tier 1 risk-based capital ratio | 19.8754% | 1,326 |
| Total risk-based capital ratio | 21.0806% | 1,307 |
| Memoranda: | ||
| Average total assets | $273,195,800 | 2,307 |
| Average earning assets | $253,425,600 | 2,315 |
| Average equity | $42,969,200 | 1,739 |
| Average total loans | $224,483,000 | 1,995 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 2,082 |
| Cost of funding earning assets | 0.7412% | 1,616 |
| Net interest margin | 3.8254% | 2,545 |
| Noninterest income to average assets | 0.5371% | 2,631 |
| Noninterest expense to average assets | 2.9054% | 2,289 |
| Loan and lease loss provision to assets | 0.1873% | 958 |
| Net operating income to assets | 0.7379% | 4,117 |
| Return on assets (ROA) | 0.7379% | 4,126 |
| Pretax return on assets | 0.9863% | 3,759 |
| Return on Equity (ROE) | 4.6407% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,428 |
| Net charge-offs to loans | 0.1539% | 1,068 |
| Credit loss provision to net charge-offs | 147.8431% | 1,727 |
| Earnings coverage of net charge-offs (x) | 9.2628% | 2,652 |
| Efficiency ratio | 71.2267% | 2,004 |
| Assets per employee ($millions) | 5.0419% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,951 |
| Loan loss allowance to noncurrent loans | 178.2818% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 2,641 |
| Noncurrent loans to loans | 0.6403% | 2,483 |
| Net loans and leases to total assets | 81.0060% | 869 |
| Net loans and leases to deposits | 103.8482% | 556 |
| Net loans and leases to core deposits | 111.2325% | 954 |
| Total domestic deposits to total assets | 78.0043% | 4,483 |
| Equity capital to assets | 15.6536% | 590 |
| Core capital (leverage) ratio | 15.7142% | 564 |
| Tier 1 risk-based capital ratio | 19.8419% | 1,366 |
| Total risk-based capital ratio | 21.0498% | 1,345 |
| Memoranda: | ||
| Average total assets | $268,325,000 | 2,355 |
| Average earning assets | $248,435,250 | 2,361 |
| Average equity | $42,664,750 | 1,754 |
| Average total loans | $220,965,250 | 2,020 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 1,999 |
| Cost of funding earning assets | 0.7026% | 1,608 |
| Net interest margin | 3.8278% | 2,469 |
| Noninterest income to average assets | 0.5065% | 2,825 |
| Noninterest expense to average assets | 2.9179% | 2,297 |
| Loan and lease loss provision to assets | 0.2352% | 676 |
| Net operating income to assets | 0.6678% | 4,293 |
| Return on assets (ROA) | 0.6678% | 4,300 |
| Pretax return on assets | 0.8977% | 3,976 |
| Return on Equity (ROE) | 4.1776% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,521 |
| Net charge-offs to loans | 0.2175% | 733 |
| Credit loss provision to net charge-offs | 131.0924% | 1,711 |
| Earnings coverage of net charge-offs (x) | 6.3151% | 2,641 |
| Efficiency ratio | 72.0320% | 2,007 |
| Assets per employee ($millions) | 5.0591% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,047 |
| Loan loss allowance to noncurrent loans | 197.8244% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 2,747 |
| Noncurrent loans to loans | 0.5755% | 2,696 |
| Net loans and leases to total assets | 80.9255% | 868 |
| Net loans and leases to deposits | 102.4581% | 630 |
| Net loans and leases to core deposits | 109.5007% | 1,034 |
| Total domestic deposits to total assets | 78.9840% | 4,428 |
| Equity capital to assets | 15.6725% | 558 |
| Core capital (leverage) ratio | 15.6197% | 551 |
| Tier 1 risk-based capital ratio | 20.2384% | 1,282 |
| Total risk-based capital ratio | 21.4727% | 1,259 |
| Memoranda: | ||
| Average total assets | $265,332,000 | 2,382 |
| Average earning assets | $245,676,330 | 2,391 |
| Average equity | $42,417,000 | 1,769 |
| Average total loans | $218,878,000 | 2,043 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,079 |
| Cost of funding earning assets | 0.6553% | 1,692 |
| Net interest margin | 3.7783% | 2,509 |
| Noninterest income to average assets | 0.4973% | 2,816 |
| Noninterest expense to average assets | 2.7712% | 2,799 |
| Loan and lease loss provision to assets | 0.1913% | 878 |
| Net operating income to assets | 0.7666% | 3,845 |
| Return on assets (ROA) | 0.7666% | 3,844 |
| Pretax return on assets | 1.0375% | 3,401 |
| Return on Equity (ROE) | 4.7468% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.7468% | 3,283 |
| Net charge-offs to loans | 0.0499% | 1,600 |
| Credit loss provision to net charge-offs | 462.9630% | 628 |
| Earnings coverage of net charge-offs (x) | 29.7407% | 1,245 |
| Efficiency ratio | 69.2808% | 2,621 |
| Assets per employee ($millions) | 4.8652% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 3,076 |
| Loan loss allowance to noncurrent loans | 204.2925% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,942 |
| Noncurrent loans to loans | 0.5641% | 2,849 |
| Net loans and leases to total assets | 82.3769% | 616 |
| Net loans and leases to deposits | 106.4165% | 364 |
| Net loans and leases to core deposits | 113.5751% | 826 |
| Total domestic deposits to total assets | 77.4100% | 4,814 |
| Equity capital to assets | 15.8505% | 510 |
| Core capital (leverage) ratio | 16.0842% | 476 |
| Tier 1 risk-based capital ratio | 20.4053% | 1,280 |
| Total risk-based capital ratio | 21.6552% | 1,257 |
| Memoranda: | ||
| Average total assets | $261,402,000 | 2,432 |
| Average earning assets | $242,330,500 | 2,435 |
| Average equity | $42,217,500 | 1,787 |
| Average total loans | $216,503,000 | 2,067 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 1,590 |
| Cost of funding earning assets | 0.5051% | 2,282 |
| Net interest margin | 4.0338% | 1,644 |
| Noninterest income to average assets | 0.5951% | 2,471 |
| Noninterest expense to average assets | 3.0614% | 1,974 |
| Loan and lease loss provision to assets | 0.2383% | 804 |
| Net operating income to assets | 0.3637% | 4,799 |
| Return on assets (ROA) | 0.3560% | 4,836 |
| Pretax return on assets | 0.9872% | 3,627 |
| Return on Equity (ROE) | 2.0565% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.0565% | 4,088 |
| Net charge-offs to loans | 0.1903% | 1,336 |
| Credit loss provision to net charge-offs | 164.2857% | 1,632 |
| Earnings coverage of net charge-offs (x) | 8.5314% | 2,900 |
| Efficiency ratio | 71.2137% | 2,352 |
| Assets per employee ($millions) | 4.8154% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,911 |
| Loan loss allowance to noncurrent loans | 156.4557% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 2,370 |
| Noncurrent loans to loans | 0.7524% | 2,322 |
| Net loans and leases to total assets | 81.3167% | 776 |
| Net loans and leases to deposits | 107.7645% | 331 |
| Net loans and leases to core deposits | 111.8348% | 908 |
| Total domestic deposits to total assets | 75.4577% | 5,036 |
| Equity capital to assets | 16.4648% | 461 |
| Core capital (leverage) ratio | 16.2181% | 447 |
| Tier 1 risk-based capital ratio | 21.2868% | 1,100 |
| Total risk-based capital ratio | 22.5373% | 1,077 |
| Memoranda: | ||
| Average total assets | $241,291,600 | 2,555 |
| Average earning assets | $221,554,800 | 2,570 |
| Average equity | $41,769,400 | 1,786 |
| Average total loans | $183,904,600 | 2,286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 1,586 |
| Cost of funding earning assets | 0.4699% | 2,524 |
| Net interest margin | 4.0502% | 1,541 |
| Noninterest income to average assets | 0.6033% | 2,466 |
| Noninterest expense to average assets | 3.0517% | 1,955 |
| Loan and lease loss provision to assets | 0.2579% | 662 |
| Net operating income to assets | 0.7199% | 3,872 |
| Return on assets (ROA) | 0.7373% | 3,859 |
| Pretax return on assets | 1.0288% | 3,571 |
| Return on Equity (ROE) | 4.2039% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.2039% | 3,395 |
| Net charge-offs to loans | 0.2563% | 844 |
| Credit loss provision to net charge-offs | 134.8974% | 1,823 |
| Earnings coverage of net charge-offs (x) | 6.6040% | 2,970 |
| Efficiency ratio | 70.7342% | 2,413 |
| Assets per employee ($millions) | 4.5497% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,799 |
| Loan loss allowance to noncurrent loans | 118.6560% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 2,038 |
| Noncurrent loans to loans | 1.0290% | 1,884 |
| Net loans and leases to total assets | 77.9096% | 1,285 |
| Net loans and leases to deposits | 101.4388% | 650 |
| Net loans and leases to core deposits | 105.5874% | 1,300 |
| Total domestic deposits to total assets | 76.8045% | 4,920 |
| Equity capital to assets | 17.3136% | 398 |
| Core capital (leverage) ratio | 17.0697% | 377 |
| Tier 1 risk-based capital ratio | 22.8564% | 957 |
| Total risk-based capital ratio | 24.1072% | 945 |
| Memoranda: | ||
| Average total assets | $237,810,250 | 2,598 |
| Average earning assets | $217,895,250 | 2,620 |
| Average equity | $41,706,500 | 1,806 |
| Average total loans | $177,379,250 | 2,367 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 1,495 |
| Cost of funding earning assets | 0.4473% | 2,626 |
| Net interest margin | 4.0602% | 1,430 |
| Noninterest income to average assets | 0.5902% | 2,512 |
| Noninterest expense to average assets | 3.0708% | 1,910 |
| Loan and lease loss provision to assets | 0.2126% | 840 |
| Net operating income to assets | 0.7195% | 3,756 |
| Return on assets (ROA) | 0.7279% | 3,784 |
| Pretax return on assets | 1.0315% | 3,441 |
| Return on Equity (ROE) | 4.1323% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,247 |
| Net charge-offs to loans | 0.2978% | 683 |
| Credit loss provision to net charge-offs | 97.6563% | 2,060 |
| Earnings coverage of net charge-offs (x) | 5.6602% | 2,802 |
| Efficiency ratio | 71.3636% | 2,460 |
| Assets per employee ($millions) | 4.6860% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,852 |
| Loan loss allowance to noncurrent loans | 97.4772% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9620% | 1,821 |
| Noncurrent loans to loans | 1.2589% | 1,530 |
| Net loans and leases to total assets | 75.4797% | 1,616 |
| Net loans and leases to deposits | 94.9280% | 1,182 |
| Net loans and leases to core deposits | 98.6055% | 1,757 |
| Total domestic deposits to total assets | 79.5126% | 4,510 |
| Equity capital to assets | 17.6056% | 352 |
| Core capital (leverage) ratio | 17.1368% | 361 |
| Tier 1 risk-based capital ratio | 24.0423% | 847 |
| Total risk-based capital ratio | 25.2934% | 824 |
| Memoranda: | ||
| Average total assets | $235,185,000 | 2,639 |
| Average earning assets | $215,064,000 | 2,654 |
| Average equity | $41,429,670 | 1,810 |
| Average total loans | $171,912,670 | 2,423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 1,814 |
| Cost of funding earning assets | 0.4339% | 2,673 |
| Net interest margin | 3.9165% | 1,722 |
| Noninterest income to average assets | 0.5333% | 2,749 |
| Noninterest expense to average assets | 3.0161% | 2,127 |
| Loan and lease loss provision to assets | 0.1543% | 1,184 |
| Net operating income to assets | 0.6241% | 4,046 |
| Return on assets (ROA) | 0.6241% | 4,098 |
| Pretax return on assets | 0.9379% | 3,635 |
| Return on Equity (ROE) | 3.5420% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.5420% | 3,673 |
| Net charge-offs to loans | 0.3674% | 504 |
| Credit loss provision to net charge-offs | 58.8235% | 1,915 |
| Earnings coverage of net charge-offs (x) | 4.1634% | 2,415 |
| Efficiency ratio | 73.4140% | 2,340 |
| Assets per employee ($millions) | 4.7282% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,611 |
| Loan loss allowance to noncurrent loans | 77.4743% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 1,478 |
| Noncurrent loans to loans | 1.6585% | 1,168 |
| Net loans and leases to total assets | 70.9739% | 2,223 |
| Net loans and leases to deposits | 88.8863% | 1,677 |
| Net loans and leases to core deposits | 92.2749% | 2,136 |
| Total domestic deposits to total assets | 79.8480% | 4,650 |
| Equity capital to assets | 17.4981% | 339 |
| Core capital (leverage) ratio | 17.4071% | 332 |
| Tier 1 risk-based capital ratio | 25.0316% | 771 |
| Total risk-based capital ratio | 26.2831% | 752 |
| Memoranda: | ||
| Average total assets | $233,284,500 | 2,677 |
| Average earning assets | $212,944,500 | 2,696 |
| Average equity | $41,107,000 | 1,818 |
| Average total loans | $166,555,500 | 2,497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,799 |
| Cost of funding earning assets | 0.4219% | 2,793 |
| Net interest margin | 3.6910% | 2,736 |
| Noninterest income to average assets | 0.5624% | 2,856 |
| Noninterest expense to average assets | 2.9109% | 2,638 |
| Loan and lease loss provision to assets | 0.1917% | 1,223 |
| Net operating income to assets | 0.5691% | 4,352 |
| Return on assets (ROA) | 0.5706% | 4,448 |
| Pretax return on assets | 0.8308% | 4,089 |
| Return on Equity (ROE) | 3.9742% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.9742% | 3,093 |
| Net charge-offs to loans | 0.2744% | 1,006 |
| Credit loss provision to net charge-offs | 105.4893% | 2,461 |
| Earnings coverage of net charge-offs (x) | 5.6158% | 3,313 |
| Efficiency ratio | 74.0459% | 2,285 |
| Assets per employee ($millions) | 4.6972% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,176 |
| Loan loss allowance to noncurrent loans | 45.1024% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.1789% | 602 |
| Noncurrent loans to loans | 3.0538% | 443 |
| Net loans and leases to total assets | 69.9041% | 2,487 |
| Net loans and leases to deposits | 87.8797% | 1,941 |
| Net loans and leases to core deposits | 91.2707% | 2,363 |
| Total domestic deposits to total assets | 79.5452% | 4,670 |
| Equity capital to assets | 17.7471% | 319 |
| Core capital (leverage) ratio | 16.8421% | 371 |
| Tier 1 risk-based capital ratio | 25.5089% | 724 |
| Total risk-based capital ratio | 26.7627% | 714 |
| Memoranda: | ||
| Average total assets | $230,619,600 | 2,663 |
| Average earning assets | $210,487,600 | 2,693 |
| Average equity | $33,113,400 | 2,171 |
| Average total loans | $152,676,400 | 2,608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,984 |
| Cost of funding earning assets | 0.4112% | 2,916 |
| Net interest margin | 3.6592% | 2,860 |
| Noninterest income to average assets | 0.5542% | 2,895 |
| Noninterest expense to average assets | 2.7864% | 3,055 |
| Loan and lease loss provision to assets | 0.1751% | 1,285 |
| Net operating income to assets | 0.6354% | 4,151 |
| Return on assets (ROA) | 0.6374% | 4,258 |
| Pretax return on assets | 0.9379% | 3,854 |
| Return on Equity (ROE) | 4.7166% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.7166% | 3,002 |
| Net charge-offs to loans | 0.1946% | 1,208 |
| Credit loss provision to net charge-offs | 138.3562% | 1,884 |
| Earnings coverage of net charge-offs (x) | 8.7718% | 2,735 |
| Efficiency ratio | 71.5112% | 2,649 |
| Assets per employee ($millions) | 5.8742% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,928 |
| Loan loss allowance to noncurrent loans | 54.9132% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 1,157 |
| Noncurrent loans to loans | 2.6607% | 626 |
| Net loans and leases to total assets | 56.3792% | 4,267 |
| Net loans and leases to deposits | 66.9688% | 4,251 |
| Net loans and leases to core deposits | 68.8407% | 4,411 |
| Total domestic deposits to total assets | 84.1872% | 3,150 |
| Equity capital to assets | 11.5446% | 2,475 |
| Core capital (leverage) ratio | 13.0247% | 1,187 |
| Tier 1 risk-based capital ratio | 18.4682% | 1,796 |
| Total risk-based capital ratio | 19.7220% | 1,758 |
| Memoranda: | ||
| Average total assets | $230,734,250 | 2,666 |
| Average earning assets | $210,753,750 | 2,697 |
| Average equity | $31,180,000 | 2,295 |
| Average total loans | $150,060,750 | 2,643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,056 |
| Cost of funding earning assets | 0.4352% | 2,694 |
| Net interest margin | 3.8944% | 1,995 |
| Noninterest income to average assets | 0.4860% | 3,290 |
| Noninterest expense to average assets | 2.8699% | 2,776 |
| Loan and lease loss provision to assets | 0.2579% | 740 |
| Net operating income to assets | 0.6201% | 4,186 |
| Return on assets (ROA) | 0.6233% | 4,302 |
| Pretax return on assets | 0.8988% | 3,958 |
| Return on Equity (ROE) | 4.3426% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,155 |
| Net charge-offs to loans | 0.2903% | 820 |
| Credit loss provision to net charge-offs | 129.9065% | 1,771 |
| Earnings coverage of net charge-offs (x) | 5.8037% | 2,816 |
| Efficiency ratio | 71.3561% | 2,768 |
| Assets per employee ($millions) | 4.6111% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,877 |
| Loan loss allowance to noncurrent loans | 52.7189% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.1479% | 733 |
| Noncurrent loans to loans | 2.8383% | 545 |
| Net loans and leases to total assets | 69.5002% | 2,554 |
| Net loans and leases to deposits | 85.0003% | 2,351 |
| Net loans and leases to core deposits | 87.9468% | 2,733 |
| Total domestic deposits to total assets | 81.7647% | 4,068 |
| Equity capital to assets | 14.5218% | 864 |
| Core capital (leverage) ratio | 13.5724% | 955 |
| Tier 1 risk-based capital ratio | 20.3873% | 1,364 |
| Total risk-based capital ratio | 21.6442% | 1,346 |
| Memoranda: | ||
| Average total assets | $215,617,000 | 2,819 |
| Average earning assets | $195,766,330 | 2,862 |
| Average equity | $30,949,000 | 2,313 |
| Average total loans | $147,426,670 | 2,683 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,845 |
| Cost of funding earning assets | 0.4327% | 2,745 |
| Net interest margin | 3.6666% | 2,822 |
| Noninterest income to average assets | 0.4036% | 3,803 |
| Noninterest expense to average assets | 2.7899% | 3,109 |
| Loan and lease loss provision to assets | 0.2232% | 849 |
| Net operating income to assets | 0.5022% | 4,623 |
| Return on assets (ROA) | 0.5022% | 4,721 |
| Pretax return on assets | 0.7161% | 4,473 |
| Return on Equity (ROE) | 3.5193% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.5193% | 3,735 |
| Net charge-offs to loans | 0.4202% | 534 |
| Credit loss provision to net charge-offs | 78.9474% | 1,842 |
| Earnings coverage of net charge-offs (x) | 3.3224% | 2,555 |
| Efficiency ratio | 74.8130% | 2,352 |
| Assets per employee ($millions) | 4.6078% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 2,031 |
| Loan loss allowance to noncurrent loans | 43.7089% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.4630% | 610 |
| Noncurrent loans to loans | 3.4108% | 414 |
| Net loans and leases to total assets | 66.8820% | 2,830 |
| Net loans and leases to deposits | 79.8587% | 2,810 |
| Net loans and leases to core deposits | 83.0231% | 3,042 |
| Total domestic deposits to total assets | 83.7504% | 3,618 |
| Equity capital to assets | 14.2590% | 896 |
| Core capital (leverage) ratio | 13.3725% | 1,032 |
| Tier 1 risk-based capital ratio | 20.3765% | 1,426 |
| Total risk-based capital ratio | 21.6344% | 1,402 |
| Memoranda: | ||
| Average total assets | $215,064,000 | 2,834 |
| Average earning assets | $195,055,500 | 2,874 |
| Average equity | $30,687,500 | 2,326 |
| Average total loans | $144,684,500 | 2,721 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,219 |
| Cost of funding earning assets | 0.4702% | 2,440 |
| Net interest margin | 3.5535% | 3,309 |
| Noninterest income to average assets | 0.4657% | 3,556 |
| Noninterest expense to average assets | 3.0650% | 2,336 |
| Loan and lease loss provision to assets | 0.1238% | 1,943 |
| Net operating income to assets | 0.3790% | 5,112 |
| Return on assets (ROA) | 0.3804% | 5,193 |
| Pretax return on assets | 0.4932% | 5,130 |
| Return on Equity (ROE) | 2.7730% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.7730% | 4,100 |
| Net charge-offs to loans | 0.2527% | 1,191 |
| Credit loss provision to net charge-offs | 74.7922% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.7175% | 3,675 |
| Efficiency ratio | 83.2856% | 1,249 |
| Assets per employee ($millions) | 4.5439% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,744 |
| Loan loss allowance to noncurrent loans | 43.9960% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.5135% | 617 |
| Noncurrent loans to loans | 3.5515% | 382 |
| Net loans and leases to total assets | 65.6059% | 3,041 |
| Net loans and leases to deposits | 78.8726% | 2,954 |
| Net loans and leases to core deposits | 82.2049% | 3,124 |
| Total domestic deposits to total assets | 83.1797% | 3,782 |
| Equity capital to assets | 14.2792% | 845 |
| Core capital (leverage) ratio | 13.1780% | 1,079 |
| Tier 1 risk-based capital ratio | 21.0966% | 1,279 |
| Total risk-based capital ratio | 22.3585% | 1,256 |
| Memoranda: | ||
| Average total assets | $218,172,400 | 2,763 |
| Average earning assets | $197,355,200 | 2,809 |
| Average equity | $29,931,600 | 2,323 |
| Average total loans | $142,854,400 | 2,694 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,310 |
| Cost of funding earning assets | 0.4850% | 2,366 |
| Net interest margin | 3.5217% | 3,458 |
| Noninterest income to average assets | 0.4371% | 3,820 |
| Noninterest expense to average assets | 3.0858% | 2,259 |
| Loan and lease loss provision to assets | 0.1337% | 1,676 |
| Net operating income to assets | 0.3380% | 5,350 |
| Return on assets (ROA) | 0.3483% | 5,406 |
| Pretax return on assets | 0.4122% | 5,444 |
| Return on Equity (ROE) | 2.5645% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.5645% | 4,595 |
| Net charge-offs to loans | 0.1958% | 1,306 |
| Credit loss provision to net charge-offs | 104.7619% | 2,189 |
| Earnings coverage of net charge-offs (x) | 4.1810% | 3,386 |
| Efficiency ratio | 85.2536% | 1,062 |
| Assets per employee ($millions) | 4.7453% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 1,636 |
| Loan loss allowance to noncurrent loans | 44.3935% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 709 |
| Noncurrent loans to loans | 3.6949% | 395 |
| Net loans and leases to total assets | 63.8424% | 3,330 |
| Net loans and leases to deposits | 76.4180% | 3,255 |
| Net loans and leases to core deposits | 79.6783% | 3,451 |
| Total domestic deposits to total assets | 83.5436% | 3,596 |
| Equity capital to assets | 13.8241% | 1,093 |
| Core capital (leverage) ratio | 12.9551% | 1,218 |
| Tier 1 risk-based capital ratio | 20.6363% | 1,415 |
| Total risk-based capital ratio | 21.8987% | 1,379 |
| Memoranda: | ||
| Average total assets | $219,324,750 | 2,778 |
| Average earning assets | $198,197,000 | 2,822 |
| Average equity | $29,790,750 | 2,339 |
| Average total loans | $142,984,500 | 2,712 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,106 |
| Cost of funding earning assets | 0.4894% | 2,358 |
| Net interest margin | 3.5547% | 3,267 |
| Noninterest income to average assets | 0.3205% | 4,662 |
| Noninterest expense to average assets | 3.3450% | 1,588 |
| Loan and lease loss provision to assets | 0.2003% | 980 |
| Net operating income to assets | 0.0792% | 5,906 |
| Return on assets (ROA) | 0.0974% | 5,926 |
| Pretax return on assets | 0.0009% | 6,016 |
| Return on Equity (ROE) | 0.7215% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.7215% | 5,269 |
| Net charge-offs to loans | 0.0098% | 3,564 |
| Credit loss provision to net charge-offs | 3,142.8571% | 131 |
| Earnings coverage of net charge-offs (x) | 28.7143% | 1,403 |
| Efficiency ratio | 94.8129% | 485 |
| Assets per employee ($millions) | 5.7031% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 1,370 |
| Loan loss allowance to noncurrent loans | 40.2036% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.0755% | 529 |
| Noncurrent loans to loans | 4.4818% | 302 |
| Net loans and leases to total assets | 63.5735% | 3,332 |
| Net loans and leases to deposits | 75.9646% | 3,278 |
| Net loans and leases to core deposits | 79.0800% | 3,480 |
| Total domestic deposits to total assets | 83.6883% | 3,697 |
| Equity capital to assets | 13.6640% | 1,104 |
| Core capital (leverage) ratio | 12.5063% | 1,380 |
| Tier 1 risk-based capital ratio | 21.6876% | 1,250 |
| Total risk-based capital ratio | 22.9555% | 1,231 |
| Memoranda: | ||
| Average total assets | $219,671,000 | 2,792 |
| Average earning assets | $198,215,000 | 2,838 |
| Average equity | $29,662,330 | 2,361 |
| Average total loans | $143,418,330 | 2,709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 2,905 |
| Cost of funding earning assets | 0.4958% | 2,326 |
| Net interest margin | 3.5870% | 3,059 |
| Noninterest income to average assets | 0.2840% | 4,904 |
| Noninterest expense to average assets | 2.9374% | 2,782 |
| Loan and lease loss provision to assets | 0.2984% | 491 |
| Net operating income to assets | 0.2547% | 5,549 |
| Return on assets (ROA) | 0.2876% | 5,550 |
| Pretax return on assets | 0.3165% | 5,614 |
| Return on Equity (ROE) | 2.1423% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.1423% | 4,604 |
| Net charge-offs to loans | -0.0193% | 5,035 |
| Credit loss provision to net charge-offs | -2,357.1429% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5391% | 1,427 |
| Assets per employee ($millions) | 5.8045% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 1,701 |
| Loan loss allowance to noncurrent loans | 41.9818% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.9174% | 663 |
| Noncurrent loans to loans | 4.0817% | 421 |
| Net loans and leases to total assets | 64.6728% | 2,992 |
| Net loans and leases to deposits | 77.3485% | 2,899 |
| Net loans and leases to core deposits | 80.3590% | 3,121 |
| Total domestic deposits to total assets | 83.6122% | 3,970 |
| Equity capital to assets | 13.5534% | 1,150 |
| Core capital (leverage) ratio | 12.8737% | 1,204 |
| Tier 1 risk-based capital ratio | 20.7401% | 1,470 |
| Total risk-based capital ratio | 22.0051% | 1,436 |
| Memoranda: | ||
| Average total assets | $221,148,500 | 2,799 |
| Average earning assets | $199,272,500 | 2,845 |
| Average equity | $29,687,500 | 2,373 |
| Average total loans | $144,976,500 | 2,692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,409 |
| Cost of funding earning assets | 0.6122% | 1,661 |
| Net interest margin | 3.4655% | 3,919 |
| Noninterest income to average assets | 0.3158% | 4,861 |
| Noninterest expense to average assets | 2.2648% | 5,207 |
| Loan and lease loss provision to assets | 0.5081% | 299 |
| Net operating income to assets | 0.4648% | 4,945 |
| Return on assets (ROA) | 0.4748% | 5,001 |
| Pretax return on assets | 0.6728% | 4,714 |
| Return on Equity (ROE) | 3.6277% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.6277% | 3,640 |
| Net charge-offs to loans | 1.2469% | 213 |
| Credit loss provision to net charge-offs | 60.2273% | 3,282 |
| Earnings coverage of net charge-offs (x) | 1.3830% | 4,434 |
| Efficiency ratio | 65.9984% | 4,252 |
| Assets per employee ($millions) | 5.5571% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 2,097 |
| Loan loss allowance to noncurrent loans | 38.5512% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.8063% | 763 |
| Noncurrent loans to loans | 4.1440% | 429 |
| Net loans and leases to total assets | 64.1489% | 3,206 |
| Net loans and leases to deposits | 77.9916% | 2,974 |
| Net loans and leases to core deposits | 80.6908% | 3,217 |
| Total domestic deposits to total assets | 82.2510% | 4,327 |
| Equity capital to assets | 13.2624% | 1,243 |
| Core capital (leverage) ratio | 12.0622% | 1,584 |
| Tier 1 risk-based capital ratio | 20.2053% | 1,555 |
| Total risk-based capital ratio | 21.4609% | 1,529 |
| Memoranda: | ||
| Average total assets | $177,320,400 | 3,238 |
| Average earning assets | $159,430,600 | 3,293 |
| Average equity | $23,210,600 | 2,828 |
| Average total loans | $119,976,800 | 3,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,304 |
| Cost of funding earning assets | 0.6775% | 1,273 |
| Net interest margin | 3.7000% | 3,023 |
| Noninterest income to average assets | 0.3227% | 4,855 |
| Noninterest expense to average assets | 2.3249% | 5,038 |
| Loan and lease loss provision to assets | 0.5579% | 254 |
| Net operating income to assets | 0.5343% | 4,743 |
| Return on assets (ROA) | 0.5483% | 4,757 |
| Pretax return on assets | 0.7875% | 4,403 |
| Return on Equity (ROE) | 4.2075% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.2075% | 3,656 |
| Net charge-offs to loans | 0.6916% | 505 |
| Credit loss provision to net charge-offs | 117.7966% | 1,940 |
| Earnings coverage of net charge-offs (x) | 2.7983% | 3,821 |
| Efficiency ratio | 63.6903% | 4,601 |
| Assets per employee ($millions) | 6.1727% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6128% | 561 |
| Loan loss allowance to noncurrent loans | 57.8917% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 3.4519% | 628 |
| Noncurrent loans to loans | 4.5132% | 435 |
| Net loans and leases to total assets | 70.0231% | 2,186 |
| Net loans and leases to deposits | 83.0212% | 2,285 |
| Net loans and leases to core deposits | 87.2265% | 2,512 |
| Total domestic deposits to total assets | 84.3436% | 3,619 |
| Equity capital to assets | 13.7847% | 1,077 |
| Core capital (leverage) ratio | 12.7050% | 1,301 |
| Tier 1 risk-based capital ratio | 19.6292% | 1,750 |
| Total risk-based capital ratio | 20.9003% | 1,716 |
| Memoranda: | ||
| Average total assets | $166,079,750 | 3,423 |
| Average earning assets | $149,364,750 | 3,481 |
| Average equity | $21,643,250 | 2,990 |
| Average total loans | $113,744,250 | 3,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,452 |
| Cost of funding earning assets | 0.6858% | 1,267 |
| Net interest margin | 3.6485% | 3,149 |
| Noninterest income to average assets | 0.2144% | 5,667 |
| Noninterest expense to average assets | 2.1781% | 5,466 |
| Loan and lease loss provision to assets | 0.5597% | 258 |
| Net operating income to assets | 0.5240% | 4,718 |
| Return on assets (ROA) | 0.5240% | 4,810 |
| Pretax return on assets | 0.7586% | 4,427 |
| Return on Equity (ROE) | 4.0962% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.0962% | 3,567 |
| Net charge-offs to loans | 0.7227% | 530 |
| Credit loss provision to net charge-offs | 114.9144% | 1,766 |
| Earnings coverage of net charge-offs (x) | 2.7066% | 3,484 |
| Efficiency ratio | 62.2956% | 4,965 |
| Assets per employee ($millions) | 7.2002% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 589 |
| Loan loss allowance to noncurrent loans | 52.1777% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.8405% | 577 |
| Noncurrent loans to loans | 5.0368% | 394 |
| Net loans and leases to total assets | 66.4696% | 2,676 |
| Net loans and leases to deposits | 78.2225% | 2,769 |
| Net loans and leases to core deposits | 82.1875% | 2,950 |
| Total domestic deposits to total assets | 84.9751% | 3,524 |
| Equity capital to assets | 13.2146% | 1,263 |
| Core capital (leverage) ratio | 12.1746% | 1,561 |
| Tier 1 risk-based capital ratio | 19.7185% | 1,755 |
| Total risk-based capital ratio | 20.9893% | 1,714 |
| Memoranda: | ||
| Average total assets | $167,943,000 | 3,409 |
| Average earning assets | $151,074,000 | 3,465 |
| Average equity | $21,483,330 | 2,999 |
| Average total loans | $113,194,000 | 3,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 2,726 |
| Cost of funding earning assets | 0.7042% | 1,220 |
| Net interest margin | 3.5340% | 3,551 |
| Noninterest income to average assets | 0.1987% | 5,768 |
| Noninterest expense to average assets | 2.0176% | 5,852 |
| Loan and lease loss provision to assets | 0.5322% | 270 |
| Net operating income to assets | 0.5700% | 4,352 |
| Return on assets (ROA) | 0.5700% | 4,428 |
| Pretax return on assets | 0.8302% | 3,976 |
| Return on Equity (ROE) | 4.5294% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.5294% | 3,401 |
| Net charge-offs to loans | 0.5615% | 658 |
| Credit loss provision to net charge-offs | 141.5094% | 1,308 |
| Earnings coverage of net charge-offs (x) | 3.6226% | 2,652 |
| Efficiency ratio | 59.6921% | 5,440 |
| Assets per employee ($millions) | 7.6330% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 686 |
| Loan loss allowance to noncurrent loans | 45.7213% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 4.1548% | 551 |
| Noncurrent loans to loans | 5.7627% | 333 |
| Net loans and leases to total assets | 65.4905% | 2,638 |
| Net loans and leases to deposits | 76.6173% | 2,742 |
| Net loans and leases to core deposits | 80.7743% | 2,878 |
| Total domestic deposits to total assets | 85.4774% | 3,629 |
| Equity capital to assets | 12.7736% | 1,416 |
| Core capital (leverage) ratio | 11.8030% | 1,759 |
| Tier 1 risk-based capital ratio | 19.3703% | 1,864 |
| Total risk-based capital ratio | 20.6411% | 1,834 |
| Memoranda: | ||
| Average total assets | $169,112,000 | 3,422 |
| Average earning assets | $152,235,000 | 3,471 |
| Average equity | $21,283,000 | 3,020 |
| Average total loans | $113,267,000 | 3,198 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,640 |
| Cost of funding earning assets | 0.9331% | 631 |
| Net interest margin | 3.4515% | 4,094 |
| Noninterest income to average assets | 0.1581% | 6,141 |
| Noninterest expense to average assets | 1.9159% | 6,168 |
| Loan and lease loss provision to assets | 0.4976% | 564 |
| Net operating income to assets | 0.5488% | 4,510 |
| Return on assets (ROA) | 0.5488% | 4,640 |
| Pretax return on assets | 0.8559% | 3,937 |
| Return on Equity (ROE) | 4.6458% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.6458% | 2,856 |
| Net charge-offs to loans | 1.1222% | 493 |
| Credit loss provision to net charge-offs | 65.0074% | 3,427 |
| Earnings coverage of net charge-offs (x) | 1.7682% | 4,456 |
| Efficiency ratio | 58.6015% | 5,664 |
| Assets per employee ($millions) | 7.7409% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5620% | 764 |
| Loan loss allowance to noncurrent loans | 49.4730% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.7974% | 725 |
| Noncurrent loans to loans | 5.1786% | 465 |
| Net loans and leases to total assets | 64.9875% | 2,872 |
| Net loans and leases to deposits | 75.7158% | 2,995 |
| Net loans and leases to core deposits | 80.0291% | 3,132 |
| Total domestic deposits to total assets | 85.8308% | 3,347 |
| Equity capital to assets | 12.3994% | 1,568 |
| Core capital (leverage) ratio | 11.3220% | 2,100 |
| Tier 1 risk-based capital ratio | 19.5188% | 1,779 |
| Total risk-based capital ratio | 20.7905% | 1,733 |
| Memoranda: | ||
| Average total assets | $175,845,000 | 3,325 |
| Average earning assets | $158,511,600 | 3,370 |
| Average equity | $20,771,400 | 3,076 |
| Average total loans | $119,939,000 | 3,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 2,537 |
| Cost of funding earning assets | 0.9781% | 558 |
| Net interest margin | 3.4396% | 4,122 |
| Noninterest income to average assets | 0.1527% | 6,274 |
| Noninterest expense to average assets | 1.8935% | 6,194 |
| Loan and lease loss provision to assets | 0.5830% | 425 |
| Net operating income to assets | 0.5033% | 4,776 |
| Return on assets (ROA) | 0.5033% | 4,942 |
| Pretax return on assets | 0.7794% | 4,378 |
| Return on Equity (ROE) | 4.3122% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.3122% | 3,612 |
| Net charge-offs to loans | 1.0335% | 548 |
| Credit loss provision to net charge-offs | 82.2718% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.9225% | 4,183 |
| Efficiency ratio | 58.1562% | 5,665 |
| Assets per employee ($millions) | 8.1721% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 696 |
| Loan loss allowance to noncurrent loans | 57.4955% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 3.7858% | 862 |
| Noncurrent loans to loans | 4.8046% | 649 |
| Net loans and leases to total assets | 65.9235% | 2,655 |
| Net loans and leases to deposits | 76.4744% | 2,885 |
| Net loans and leases to core deposits | 81.2452% | 2,970 |
| Total domestic deposits to total assets | 86.2033% | 3,136 |
| Equity capital to assets | 12.1051% | 1,856 |
| Core capital (leverage) ratio | 11.0094% | 2,468 |
| Tier 1 risk-based capital ratio | 18.0782% | 2,296 |
| Total risk-based capital ratio | 19.3531% | 2,251 |
| Memoranda: | ||
| Average total assets | $177,231,500 | 3,335 |
| Average earning assets | $159,897,250 | 3,373 |
| Average equity | $20,685,250 | 3,117 |
| Average total loans | $121,528,000 | 3,029 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,295 |
| Cost of funding earning assets | 1.0159% | 505 |
| Net interest margin | 3.4569% | 3,971 |
| Noninterest income to average assets | 0.2077% | 5,958 |
| Noninterest expense to average assets | 1.8715% | 6,268 |
| Loan and lease loss provision to assets | 0.6142% | 410 |
| Net operating income to assets | 0.5483% | 4,558 |
| Return on assets (ROA) | 0.5483% | 4,725 |
| Pretax return on assets | 0.8453% | 4,133 |
| Return on Equity (ROE) | 4.7541% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.7541% | 3,223 |
| Net charge-offs to loans | 0.1314% | 3,060 |
| Credit loss provision to net charge-offs | 679.0123% | 435 |
| Earnings coverage of net charge-offs (x) | 16.1358% | 1,683 |
| Efficiency ratio | 56.1850% | 5,943 |
| Assets per employee ($millions) | 8.0323% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2132% | 479 |
| Loan loss allowance to noncurrent loans | 64.1346% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.8289% | 946 |
| Noncurrent loans to loans | 5.0101% | 642 |
| Net loans and leases to total assets | 65.6264% | 2,656 |
| Net loans and leases to deposits | 75.7082% | 2,920 |
| Net loans and leases to core deposits | 80.7657% | 2,944 |
| Total domestic deposits to total assets | 86.6833% | 3,010 |
| Equity capital to assets | 11.6790% | 2,149 |
| Core capital (leverage) ratio | 10.4793% | 2,899 |
| Tier 1 risk-based capital ratio | 17.4950% | 2,516 |
| Total risk-based capital ratio | 18.7753% | 2,474 |
| Memoranda: | ||
| Average total assets | $179,104,000 | 3,324 |
| Average earning assets | $161,819,000 | 3,361 |
| Average equity | $20,655,670 | 3,132 |
| Average total loans | $123,254,670 | 3,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 2,163 |
| Cost of funding earning assets | 1.0541% | 464 |
| Net interest margin | 3.4468% | 3,925 |
| Noninterest income to average assets | 0.1553% | 6,330 |
| Noninterest expense to average assets | 1.8702% | 6,329 |
| Loan and lease loss provision to assets | 0.7321% | 319 |
| Net operating income to assets | 0.6034% | 4,195 |
| Return on assets (ROA) | 0.6034% | 4,353 |
| Pretax return on assets | 0.6722% | 4,698 |
| Return on Equity (ROE) | 5.2651% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.2651% | 3,075 |
| Net charge-offs to loans | 0.3649% | 1,545 |
| Credit loss provision to net charge-offs | 289.4737% | 827 |
| Earnings coverage of net charge-offs (x) | 5.5526% | 2,356 |
| Efficiency ratio | 57.1138% | 5,946 |
| Assets per employee ($millions) | 8.2660% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8915% | 737 |
| Loan loss allowance to noncurrent loans | 55.1433% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 4.0825% | 964 |
| Noncurrent loans to loans | 5.2437% | 718 |
| Net loans and leases to total assets | 66.4286% | 2,296 |
| Net loans and leases to deposits | 76.2999% | 2,592 |
| Net loans and leases to core deposits | 81.0756% | 2,685 |
| Total domestic deposits to total assets | 87.0625% | 2,924 |
| Equity capital to assets | 11.4214% | 2,491 |
| Core capital (leverage) ratio | 10.1842% | 3,165 |
| Tier 1 risk-based capital ratio | 16.8223% | 2,846 |
| Total risk-based capital ratio | 18.0979% | 2,800 |
| Memoranda: | ||
| Average total assets | $180,300,500 | 3,341 |
| Average earning assets | $163,165,500 | 3,385 |
| Average equity | $20,664,500 | 3,185 |
| Average total loans | $124,972,500 | 2,992 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 2,183 |
| Cost of funding earning assets | 1.3338% | 324 |
| Net interest margin | 3.4683% | 4,637 |
| Noninterest income to average assets | 0.2306% | 5,798 |
| Noninterest expense to average assets | 1.7800% | 6,646 |
| Loan and lease loss provision to assets | 1.0450% | 374 |
| Net operating income to assets | 0.3777% | 5,192 |
| Return on assets (ROA) | 0.3831% | 5,399 |
| Pretax return on assets | 0.5383% | 5,169 |
| Return on Equity (ROE) | 3.4681% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.4681% | 3,781 |
| Net charge-offs to loans | 2.5206% | 240 |
| Credit loss provision to net charge-offs | 58.3282% | 4,491 |
| Earnings coverage of net charge-offs (x) | 0.8795% | 5,031 |
| Efficiency ratio | 53.0456% | 6,367 |
| Assets per employee ($millions) | 8.1250% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6930% | 928 |
| Loan loss allowance to noncurrent loans | 53.4715% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 4.2629% | 989 |
| Noncurrent loans to loans | 5.0364% | 787 |
| Net loans and leases to total assets | 68.3446% | 2,131 |
| Net loans and leases to deposits | 78.5785% | 2,453 |
| Net loans and leases to core deposits | 83.7499% | 2,575 |
| Total domestic deposits to total assets | 86.9762% | 2,856 |
| Equity capital to assets | 11.5015% | 2,443 |
| Core capital (leverage) ratio | 10.2157% | 3,118 |
| Tier 1 risk-based capital ratio | 16.7609% | 2,764 |
| Total risk-based capital ratio | 18.0338% | 2,718 |
| Memoranda: | ||
| Average total assets | $182,973,800 | 3,275 |
| Average earning assets | $164,863,200 | 3,308 |
| Average equity | $20,212,600 | 3,180 |
| Average total loans | $130,049,800 | 2,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 2,326 |
| Cost of funding earning assets | 1.3620% | 341 |
| Net interest margin | 3.4549% | 4,829 |
| Noninterest income to average assets | 0.2246% | 5,945 |
| Noninterest expense to average assets | 1.7490% | 6,738 |
| Loan and lease loss provision to assets | 0.9650% | 436 |
| Net operating income to assets | 0.4356% | 5,097 |
| Return on assets (ROA) | 0.4427% | 5,308 |
| Pretax return on assets | 0.6303% | 5,075 |
| Return on Equity (ROE) | 4.0477% | 5,269 |
| Retained earnings to average equity (ytd only) | 4.0477% | 4,041 |
| Net charge-offs to loans | 2.4598% | 256 |
| Credit loss provision to net charge-offs | 55.0413% | 4,276 |
| Earnings coverage of net charge-offs (x) | 0.9041% | 4,877 |
| Efficiency ratio | 52.4555% | 6,413 |
| Assets per employee ($millions) | 8.2738% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7959% | 890 |
| Loan loss allowance to noncurrent loans | 49.5397% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 4.6741% | 977 |
| Noncurrent loans to loans | 5.6438% | 752 |
| Net loans and leases to total assets | 69.8864% | 1,928 |
| Net loans and leases to deposits | 80.1121% | 2,374 |
| Net loans and leases to core deposits | 85.6385% | 2,512 |
| Total domestic deposits to total assets | 87.2357% | 2,537 |
| Equity capital to assets | 11.2798% | 2,959 |
| Core capital (leverage) ratio | 9.9380% | 3,633 |
| Tier 1 risk-based capital ratio | 15.7881% | 3,382 |
| Total risk-based capital ratio | 17.0630% | 3,336 |
| Memoranda: | ||
| Average total assets | $184,029,750 | 3,288 |
| Average earning assets | $165,634,500 | 3,328 |
| Average equity | $20,126,000 | 3,219 |
| Average total loans | $131,175,500 | 2,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 2,112 |
| Cost of funding earning assets | 1.3921% | 359 |
| Net interest margin | 3.5074% | 4,638 |
| Noninterest income to average assets | 0.2566% | 5,743 |
| Noninterest expense to average assets | 1.7185% | 6,824 |
| Loan and lease loss provision to assets | 1.0850% | 398 |
| Net operating income to assets | 0.4521% | 5,031 |
| Return on assets (ROA) | 0.4635% | 5,227 |
| Pretax return on assets | 0.6194% | 5,072 |
| Return on Equity (ROE) | 4.2820% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.2820% | 3,758 |
| Net charge-offs to loans | 2.2319% | 338 |
| Credit loss provision to net charge-offs | 68.3959% | 3,604 |
| Earnings coverage of net charge-offs (x) | 1.0648% | 4,489 |
| Efficiency ratio | 50.4290% | 6,613 |
| Assets per employee ($millions) | 8.4275% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2983% | 592 |
| Loan loss allowance to noncurrent loans | 51.9525% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 5.1201% | 921 |
| Noncurrent loans to loans | 6.3487% | 672 |
| Net loans and leases to total assets | 67.7441% | 2,319 |
| Net loans and leases to deposits | 77.2806% | 2,786 |
| Net loans and leases to core deposits | 82.3343% | 2,921 |
| Total domestic deposits to total assets | 87.6600% | 2,361 |
| Equity capital to assets | 10.8978% | 3,230 |
| Core capital (leverage) ratio | 9.5592% | 4,065 |
| Tier 1 risk-based capital ratio | 15.4338% | 3,488 |
| Total risk-based capital ratio | 16.7154% | 3,432 |
| Memoranda: | ||
| Average total assets | $184,698,330 | 3,283 |
| Average earning assets | $165,935,670 | 3,330 |
| Average equity | $19,990,670 | 3,221 |
| Average total loans | $131,277,670 | 2,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 2,278 |
| Cost of funding earning assets | 1.4342% | 372 |
| Net interest margin | 3.4574% | 4,885 |
| Noninterest income to average assets | 0.3407% | 5,129 |
| Noninterest expense to average assets | 1.7576% | 6,845 |
| Loan and lease loss provision to assets | 0.9526% | 444 |
| Net operating income to assets | 0.5085% | 4,792 |
| Return on assets (ROA) | 0.5294% | 4,902 |
| Pretax return on assets | 0.7681% | 4,539 |
| Return on Equity (ROE) | 4.9086% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.9086% | 3,609 |
| Net charge-offs to loans | 0.9638% | 1,071 |
| Credit loss provision to net charge-offs | 138.0503% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.4497% | 3,200 |
| Efficiency ratio | 50.9755% | 6,613 |
| Assets per employee ($millions) | 8.4555% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7095% | 459 |
| Loan loss allowance to noncurrent loans | 54.9808% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.9500% | 1,060 |
| Noncurrent loans to loans | 6.7470% | 694 |
| Net loans and leases to total assets | 67.9287% | 2,132 |
| Net loans and leases to deposits | 77.3508% | 2,618 |
| Net loans and leases to core deposits | 83.2818% | 2,643 |
| Total domestic deposits to total assets | 87.8191% | 2,444 |
| Equity capital to assets | 10.7499% | 3,212 |
| Core capital (leverage) ratio | 9.3093% | 4,346 |
| Tier 1 risk-based capital ratio | 15.3619% | 3,524 |
| Total risk-based capital ratio | 16.6509% | 3,468 |
| Memoranda: | ||
| Average total assets | $184,345,000 | 3,313 |
| Average earning assets | $165,671,500 | 3,352 |
| Average equity | $19,883,500 | 3,237 |
| Average total loans | $131,974,000 | 2,911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 2,478 |
| Cost of funding earning assets | 1.5471% | 593 |
| Net interest margin | 3.5467% | 4,956 |
| Noninterest income to average assets | 0.0858% | 6,694 |
| Noninterest expense to average assets | 1.8049% | 6,946 |
| Loan and lease loss provision to assets | 2.7606% | 146 |
| Net operating income to assets | -0.7594% | 6,636 |
| Return on assets (ROA) | -0.6652% | 6,624 |
| Pretax return on assets | -1.1530% | 6,796 |
| Return on Equity (ROE) | -6.0679% | 6,585 |
| Retained earnings to average equity (ytd only) | -6.0679% | 6,512 |
| Net charge-offs to loans | 3.7823% | 178 |
| Credit loss provision to net charge-offs | 100.8569% | 3,455 |
| Earnings coverage of net charge-offs (x) | 0.5336% | 5,425 |
| Efficiency ratio | 55.2726% | 6,392 |
| Assets per employee ($millions) | 8.3032% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5767% | 509 |
| Loan loss allowance to noncurrent loans | 72.8962% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 3.8616% | 1,491 |
| Noncurrent loans to loans | 4.9066% | 1,165 |
| Net loans and leases to total assets | 70.0564% | 2,019 |
| Net loans and leases to deposits | 79.8044% | 2,556 |
| Net loans and leases to core deposits | 87.0327% | 2,502 |
| Total domestic deposits to total assets | 87.7851% | 2,287 |
| Equity capital to assets | 10.8228% | 3,167 |
| Core capital (leverage) ratio | 9.3847% | 4,199 |
| Tier 1 risk-based capital ratio | 15.4744% | 3,343 |
| Total risk-based capital ratio | 16.7631% | 3,267 |
| Memoranda: | ||
| Average total assets | $187,602,800 | 3,220 |
| Average earning assets | $168,185,400 | 3,275 |
| Average equity | $20,567,400 | 3,058 |
| Average total loans | $135,763,000 | 2,884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 2,621 |
| Cost of funding earning assets | 1.5638% | 678 |
| Net interest margin | 3.5323% | 5,053 |
| Noninterest income to average assets | 0.1271% | 6,617 |
| Noninterest expense to average assets | 1.8040% | 6,994 |
| Loan and lease loss provision to assets | 3.3121% | 90 |
| Net operating income to assets | -1.0659% | 6,912 |
| Return on assets (ROA) | -0.9412% | 6,897 |
| Pretax return on assets | -1.6268% | 7,044 |
| Return on Equity (ROE) | -8.5583% | 6,843 |
| Retained earnings to average equity (ytd only) | -8.5583% | 6,795 |
| Net charge-offs to loans | 2.3761% | 480 |
| Credit loss provision to net charge-offs | 192.8072% | 1,514 |
| Earnings coverage of net charge-offs (x) | 0.8677% | 4,969 |
| Efficiency ratio | 54.7578% | 6,419 |
| Assets per employee ($millions) | 8.3098% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1931% | 158 |
| Loan loss allowance to noncurrent loans | 94.7204% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 4.6484% | 1,277 |
| Noncurrent loans to loans | 5.4825% | 1,084 |
| Net loans and leases to total assets | 69.5145% | 2,176 |
| Net loans and leases to deposits | 79.1282% | 2,787 |
| Net loans and leases to core deposits | 86.8065% | 2,671 |
| Total domestic deposits to total assets | 87.8506% | 2,130 |
| Equity capital to assets | 10.7874% | 3,379 |
| Core capital (leverage) ratio | 9.0339% | 4,873 |
| Tier 1 risk-based capital ratio | 14.7498% | 3,804 |
| Total risk-based capital ratio | 16.0629% | 3,741 |
| Memoranda: | ||
| Average total assets | $188,836,000 | 3,216 |
| Average earning assets | $169,329,500 | 3,263 |
| Average equity | $20,766,750 | 3,043 |
| Average total loans | $136,524,000 | 2,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 2,243 |
| Cost of funding earning assets | 1.5802% | 760 |
| Net interest margin | 3.6235% | 4,635 |
| Noninterest income to average assets | 0.0796% | 6,927 |
| Noninterest expense to average assets | 1.8507% | 7,013 |
| Loan and lease loss provision to assets | 1.4892% | 477 |
| Net operating income to assets | -0.0043% | 6,234 |
| Return on assets (ROA) | 0.2473% | 5,695 |
| Pretax return on assets | 0.2851% | 5,701 |
| Return on Equity (ROE) | 2.2353% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.2353% | 4,874 |
| Net charge-offs to loans | 3.0972% | 325 |
| Credit loss provision to net charge-offs | 66.8077% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.6662% | 4,793 |
| Efficiency ratio | 55.4822% | 6,463 |
| Assets per employee ($millions) | 8.0920% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9738% | 919 |
| Loan loss allowance to noncurrent loans | 53.4644% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 4.3849% | 1,440 |
| Noncurrent loans to loans | 5.5621% | 1,128 |
| Net loans and leases to total assets | 70.0703% | 2,205 |
| Net loans and leases to deposits | 80.3069% | 2,738 |
| Net loans and leases to core deposits | 87.4573% | 2,712 |
| Total domestic deposits to total assets | 87.2531% | 2,596 |
| Equity capital to assets | 11.3805% | 2,619 |
| Core capital (leverage) ratio | 10.1828% | 3,049 |
| Tier 1 risk-based capital ratio | 16.6592% | 2,667 |
| Total risk-based capital ratio | 17.9377% | 2,616 |
| Memoranda: | ||
| Average total assets | $190,843,000 | 3,214 |
| Average earning assets | $171,493,330 | 3,253 |
| Average equity | $21,115,330 | 2,982 |
| Average total loans | $137,350,670 | 2,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 2,654 |
| Cost of funding earning assets | 1.5970% | 828 |
| Net interest margin | 3.5023% | 5,003 |
| Noninterest income to average assets | 0.1780% | 6,448 |
| Noninterest expense to average assets | 1.8405% | 7,087 |
| Loan and lease loss provision to assets | 0.8033% | 1,050 |
| Net operating income to assets | 0.4417% | 4,759 |
| Return on assets (ROA) | 0.4430% | 4,835 |
| Pretax return on assets | 0.6873% | 4,354 |
| Return on Equity (ROE) | 4.0602% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,720 |
| Net charge-offs to loans | 0.8615% | 1,531 |
| Credit loss provision to net charge-offs | 129.7659% | 2,132 |
| Earnings coverage of net charge-offs (x) | 2.4047% | 3,120 |
| Efficiency ratio | 55.2861% | 6,585 |
| Assets per employee ($millions) | 8.3320% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4828% | 614 |
| Loan loss allowance to noncurrent loans | 61.1849% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 4.5274% | 1,431 |
| Noncurrent loans to loans | 5.6923% | 1,142 |
| Net loans and leases to total assets | 69.2974% | 2,266 |
| Net loans and leases to deposits | 79.0916% | 2,874 |
| Net loans and leases to core deposits | 87.6989% | 2,641 |
| Total domestic deposits to total assets | 87.6166% | 2,597 |
| Equity capital to assets | 11.0627% | 2,624 |
| Core capital (leverage) ratio | 9.8328% | 3,354 |
| Tier 1 risk-based capital ratio | 16.2091% | 2,805 |
| Total risk-based capital ratio | 17.4955% | 2,754 |
| Memoranda: | ||
| Average total assets | $193,206,500 | 3,201 |
| Average earning assets | $173,826,500 | 3,236 |
| Average equity | $21,082,500 | 2,975 |
| Average total loans | $138,821,500 | 2,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 2,744 |
| Cost of funding earning assets | 1.9077% | 815 |
| Net interest margin | 3.4781% | 5,329 |
| Noninterest income to average assets | 0.0015% | 7,275 |
| Noninterest expense to average assets | 1.9160% | 7,134 |
| Loan and lease loss provision to assets | 1.6454% | 871 |
| Net operating income to assets | -0.2407% | 6,153 |
| Return on assets (ROA) | -0.2407% | 6,208 |
| Pretax return on assets | -0.4148% | 6,253 |
| Return on Equity (ROE) | -2.2589% | 6,201 |
| Retained earnings to average equity (ytd only) | -2.2589% | 6,007 |
| Net charge-offs to loans | 1.4511% | 1,528 |
| Credit loss provision to net charge-offs | 156.0377% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.1670% | 4,942 |
| Efficiency ratio | 60.8916% | 5,912 |
| Assets per employee ($millions) | 8.4686% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3580% | 652 |
| Loan loss allowance to noncurrent loans | 88.9036% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 3.4008% | 2,056 |
| Noncurrent loans to loans | 3.7771% | 1,961 |
| Net loans and leases to total assets | 69.4894% | 2,665 |
| Net loans and leases to deposits | 79.0716% | 3,330 |
| Net loans and leases to core deposits | 89.5717% | 2,825 |
| Total domestic deposits to total assets | 87.8816% | 2,319 |
| Equity capital to assets | 10.7635% | 2,893 |
| Core capital (leverage) ratio | 9.5727% | 3,601 |
| Tier 1 risk-based capital ratio | 15.8801% | 2,807 |
| Total risk-based capital ratio | 17.1652% | 2,745 |
| Memoranda: | ||
| Average total assets | $201,048,200 | 3,087 |
| Average earning assets | $181,792,200 | 3,103 |
| Average equity | $21,426,000 | 2,958 |
| Average total loans | $146,094,000 | 2,837 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 2,942 |
| Cost of funding earning assets | 1.9524% | 872 |
| Net interest margin | 3.4331% | 5,561 |
| Noninterest income to average assets | -0.0204% | 7,472 |
| Noninterest expense to average assets | 1.9406% | 7,149 |
| Loan and lease loss provision to assets | 0.7640% | 2,003 |
| Net operating income to assets | 0.2520% | 5,344 |
| Return on assets (ROA) | 0.2520% | 5,503 |
| Pretax return on assets | 0.3830% | 5,271 |
| Return on Equity (ROE) | 2.3706% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.3706% | 4,749 |
| Net charge-offs to loans | 1.1707% | 1,744 |
| Credit loss provision to net charge-offs | 89.5833% | 4,783 |
| Earnings coverage of net charge-offs (x) | 1.3449% | 4,736 |
| Efficiency ratio | 62.8517% | 5,456 |
| Assets per employee ($millions) | 9.5476% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 1,541 |
| Loan loss allowance to noncurrent loans | 53.1614% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 3.5611% | 1,999 |
| Noncurrent loans to loans | 4.4249% | 1,641 |
| Net loans and leases to total assets | 69.9784% | 2,738 |
| Net loans and leases to deposits | 79.8373% | 3,485 |
| Net loans and leases to core deposits | 92.4227% | 2,740 |
| Total domestic deposits to total assets | 87.6513% | 2,183 |
| Equity capital to assets | 10.8933% | 3,058 |
| Core capital (leverage) ratio | 9.9851% | 3,271 |
| Tier 1 risk-based capital ratio | 16.9502% | 2,358 |
| Total risk-based capital ratio | 18.2203% | 2,312 |
| Memoranda: | ||
| Average total assets | $202,615,750 | 3,107 |
| Average earning assets | $183,426,250 | 3,133 |
| Average equity | $21,541,250 | 2,978 |
| Average total loans | $147,604,250 | 2,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 2,839 |
| Cost of funding earning assets | 1.9890% | 936 |
| Net interest margin | 3.4414% | 5,476 |
| Noninterest income to average assets | 0.1043% | 7,079 |
| Noninterest expense to average assets | 2.0883% | 6,945 |
| Loan and lease loss provision to assets | 1.0624% | 1,359 |
| Net operating income to assets | 0.0551% | 5,981 |
| Return on assets (ROA) | 0.0551% | 6,081 |
| Pretax return on assets | 0.0698% | 6,036 |
| Return on Equity (ROE) | 0.5224% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.5224% | 5,553 |
| Net charge-offs to loans | 0.8300% | 2,178 |
| Credit loss provision to net charge-offs | 174.7573% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.8625% | 4,125 |
| Efficiency ratio | 64.8442% | 5,179 |
| Assets per employee ($millions) | 9.1391% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7293% | 1,056 |
| Loan loss allowance to noncurrent loans | 55.9668% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 4.1321% | 1,644 |
| Noncurrent loans to loans | 4.8767% | 1,438 |
| Net loans and leases to total assets | 70.4944% | 2,795 |
| Net loans and leases to deposits | 80.1321% | 3,574 |
| Net loans and leases to core deposits | 93.9402% | 2,723 |
| Total domestic deposits to total assets | 87.9727% | 2,019 |
| Equity capital to assets | 10.7271% | 3,152 |
| Core capital (leverage) ratio | 9.7050% | 3,531 |
| Tier 1 risk-based capital ratio | 17.6432% | 2,058 |
| Total risk-based capital ratio | 18.8934% | 2,029 |
| Memoranda: | ||
| Average total assets | $203,321,330 | 3,120 |
| Average earning assets | $184,110,670 | 3,144 |
| Average equity | $21,441,330 | 2,984 |
| Average total loans | $148,910,330 | 2,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 3,098 |
| Cost of funding earning assets | 2.0476% | 949 |
| Net interest margin | 3.3400% | 5,817 |
| Noninterest income to average assets | 0.0333% | 7,542 |
| Noninterest expense to average assets | 1.7275% | 7,551 |
| Loan and lease loss provision to assets | 0.4832% | 2,566 |
| Net operating income to assets | 0.5433% | 4,163 |
| Return on assets (ROA) | 0.5458% | 4,288 |
| Pretax return on assets | 0.8550% | 3,643 |
| Return on Equity (ROE) | 5.2203% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.2203% | 3,032 |
| Net charge-offs to loans | 0.6272% | 2,253 |
| Credit loss provision to net charge-offs | 104.6610% | 3,273 |
| Earnings coverage of net charge-offs (x) | 2.8898% | 3,107 |
| Efficiency ratio | 56.4217% | 6,712 |
| Assets per employee ($millions) | 8.3484% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 1,463 |
| Loan loss allowance to noncurrent loans | 46.8509% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.9811% | 1,725 |
| Noncurrent loans to loans | 5.0577% | 1,426 |
| Net loans and leases to total assets | 69.6074% | 3,033 |
| Net loans and leases to deposits | 78.7725% | 3,885 |
| Net loans and leases to core deposits | 94.4719% | 2,772 |
| Total domestic deposits to total assets | 88.3651% | 1,872 |
| Equity capital to assets | 10.3235% | 3,439 |
| Core capital (leverage) ratio | 9.4567% | 3,836 |
| Tier 1 risk-based capital ratio | 16.1571% | 2,581 |
| Total risk-based capital ratio | 17.4275% | 2,534 |
| Memoranda: | ||
| Average total assets | $204,452,000 | 3,161 |
| Average earning assets | $185,389,000 | 3,183 |
| Average equity | $21,378,000 | 3,019 |
| Average total loans | $150,509,000 | 2,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 2,503 |
| Cost of funding earning assets | 2.5784% | 834 |
| Net interest margin | 3.2574% | 5,901 |
| Noninterest income to average assets | 0.5015% | 4,395 |
| Noninterest expense to average assets | 1.8780% | 7,530 |
| Loan and lease loss provision to assets | 1.4361% | 1,605 |
| Net operating income to assets | 0.1143% | 5,169 |
| Return on assets (ROA) | 0.1218% | 5,197 |
| Pretax return on assets | 0.1770% | 5,056 |
| Return on Equity (ROE) | 1.1574% | 5,189 |
| Retained earnings to average equity (ytd only) | -1.1855% | 5,305 |
| Net charge-offs to loans | 0.6472% | 3,252 |
| Credit loss provision to net charge-offs | 290.6188% | 1,149 |
| Earnings coverage of net charge-offs (x) | 3.2425% | 3,436 |
| Efficiency ratio | 53.9606% | 7,234 |
| Assets per employee ($millions) | 8.0078% | 512 |
| Cash dividends to net income (ytd only)* | 202.4291% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 1,467 |
| Loan loss allowance to noncurrent loans | 57.1638% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 3.4876% | 1,930 |
| Noncurrent loans to loans | 4.0397% | 1,840 |
| Net loans and leases to total assets | 74.2776% | 2,206 |
| Net loans and leases to deposits | 84.3568% | 3,197 |
| Net loans and leases to core deposits | 111.5973% | 2,737 |
| Total domestic deposits to total assets | 88.0516% | 1,951 |
| Equity capital to assets | 10.5947% | 3,075 |
| Core capital (leverage) ratio | 9.6998% | 3,452 |
| Tier 1 risk-based capital ratio | 15.8193% | 2,598 |
| Total risk-based capital ratio | 17.0897% | 2,526 |
| Memoranda: | ||
| Average total assets | $202,771,600 | 3,153 |
| Average earning assets | $185,421,600 | 3,151 |
| Average equity | $21,341,600 | 3,037 |
| Average total loans | $154,831,800 | 2,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 2,709 |
| Cost of funding earning assets | 2.6772% | 843 |
| Net interest margin | 3.1611% | 6,139 |
| Noninterest income to average assets | 0.0531% | 7,637 |
| Noninterest expense to average assets | 1.9107% | 7,532 |
| Loan and lease loss provision to assets | 0.9963% | 1,925 |
| Net operating income to assets | 0.0332% | 5,643 |
| Return on assets (ROA) | 0.0439% | 5,651 |
| Pretax return on assets | 0.0590% | 5,602 |
| Return on Equity (ROE) | 0.4179% | 5,660 |
| Retained earnings to average equity (ytd only) | -2.7010% | 5,875 |
| Net charge-offs to loans | 0.8163% | 2,331 |
| Credit loss provision to net charge-offs | 159.6639% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.6681% | 4,546 |
| Efficiency ratio | 64.7346% | 5,606 |
| Assets per employee ($millions) | 8.0481% | 508 |
| Cash dividends to net income (ytd only)* | 746.2778% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,949 |
| Loan loss allowance to noncurrent loans | 56.0485% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 3,100 |
| Noncurrent loans to loans | 2.4973% | 3,015 |
| Net loans and leases to total assets | 76.0799% | 1,983 |
| Net loans and leases to deposits | 86.4801% | 3,231 |
| Net loans and leases to core deposits | 110.8308% | 3,143 |
| Total domestic deposits to total assets | 87.9738% | 1,667 |
| Equity capital to assets | 10.5088% | 3,502 |
| Core capital (leverage) ratio | 9.6792% | 3,677 |
| Tier 1 risk-based capital ratio | 15.5602% | 2,786 |
| Total risk-based capital ratio | 16.8165% | 2,723 |
| Memoranda: | ||
| Average total assets | $203,415,750 | 3,165 |
| Average earning assets | $186,509,750 | 3,159 |
| Average equity | $21,374,500 | 3,047 |
| Average total loans | $155,486,000 | 2,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8549% | 2,780 |
| Cost of funding earning assets | 2.7646% | 866 |
| Net interest margin | 3.0903% | 6,280 |
| Noninterest income to average assets | 0.1842% | 6,976 |
| Noninterest expense to average assets | 1.9681% | 7,517 |
| Loan and lease loss provision to assets | 0.9199% | 1,834 |
| Net operating income to assets | 0.0822% | 5,617 |
| Return on assets (ROA) | 0.0960% | 5,673 |
| Pretax return on assets | 0.1528% | 5,561 |
| Return on Equity (ROE) | 0.9137% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.9137% | 4,815 |
| Net charge-offs to loans | 1.1776% | 1,551 |
| Credit loss provision to net charge-offs | 102.5109% | 4,463 |
| Earnings coverage of net charge-offs (x) | 1.1714% | 4,647 |
| Efficiency ratio | 65.1849% | 5,679 |
| Assets per employee ($millions) | 8.1694% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,787 |
| Loan loss allowance to noncurrent loans | 41.0282% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 2.2792% | 2,859 |
| Noncurrent loans to loans | 2.6070% | 2,777 |
| Net loans and leases to total assets | 73.7272% | 2,776 |
| Net loans and leases to deposits | 84.0048% | 3,874 |
| Net loans and leases to core deposits | 103.9251% | 4,070 |
| Total domestic deposits to total assets | 87.7655% | 1,894 |
| Equity capital to assets | 10.5188% | 3,384 |
| Core capital (leverage) ratio | 9.9283% | 3,372 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,493 |
| Total risk-based capital ratio | 17.6199% | 2,444 |
| Memoranda: | ||
| Average total assets | $204,153,330 | 3,175 |
| Average earning assets | $187,297,330 | 3,180 |
| Average equity | $21,451,330 | 3,041 |
| Average total loans | $155,565,330 | 2,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 2,799 |
| Cost of funding earning assets | 2.8174% | 940 |
| Net interest margin | 3.0819% | 6,250 |
| Noninterest income to average assets | 0.1568% | 7,188 |
| Noninterest expense to average assets | 1.9068% | 7,534 |
| Loan and lease loss provision to assets | 0.5134% | 2,414 |
| Net operating income to assets | 0.3567% | 5,038 |
| Return on assets (ROA) | 0.3567% | 5,224 |
| Pretax return on assets | 0.5683% | 4,851 |
| Return on Equity (ROE) | 3.3962% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.3962% | 3,995 |
| Net charge-offs to loans | 2.0198% | 714 |
| Credit loss provision to net charge-offs | 32.9975% | 4,915 |
| Earnings coverage of net charge-offs (x) | 0.6952% | 4,453 |
| Efficiency ratio | 63.8033% | 5,727 |
| Assets per employee ($millions) | 8.4363% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 7,483 |
| Loan loss allowance to noncurrent loans | 25.6944% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 2,535 |
| Noncurrent loans to loans | 2.6693% | 2,459 |
| Net loans and leases to total assets | 76.7369% | 2,104 |
| Net loans and leases to deposits | 87.3356% | 3,412 |
| Net loans and leases to core deposits | 108.2476% | 3,648 |
| Total domestic deposits to total assets | 87.8644% | 1,813 |
| Equity capital to assets | 10.6850% | 3,304 |
| Core capital (leverage) ratio | 10.1819% | 3,211 |
| Tier 1 risk-based capital ratio | 16.9858% | 2,344 |
| Total risk-based capital ratio | 17.8749% | 2,399 |
| Memoranda: | ||
| Average total assets | $204,113,000 | 3,198 |
| Average earning assets | $187,546,000 | 3,192 |
| Average equity | $21,435,500 | 3,056 |
| Average total loans | $157,246,000 | 2,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0656% | 5,229 |
| Cost of funding earning assets | 3.5547% | 450 |
| Net interest margin | 2.5108% | 7,741 |
| Noninterest income to average assets | 0.1852% | 7,122 |
| Noninterest expense to average assets | 1.5957% | 7,968 |
| Loan and lease loss provision to assets | 0.5613% | 2,571 |
| Net operating income to assets | 0.2163% | 5,802 |
| Return on assets (ROA) | 0.2373% | 5,559 |
| Pretax return on assets | 0.3612% | 5,355 |
| Return on Equity (ROE) | 2.3568% | 5,476 |
| Retained earnings to average equity (ytd only) | -3.3915% | 6,206 |
| Net charge-offs to loans | 0.1037% | 5,273 |
| Credit loss provision to net charge-offs | 709.7561% | 593 |
| Earnings coverage of net charge-offs (x) | 11.2622% | 2,390 |
| Efficiency ratio | 64.1777% | 5,522 |
| Assets per employee ($millions) | 8.5731% | 391 |
| Cash dividends to net income (ytd only)* | 243.9024% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 5,882 |
| Loan loss allowance to noncurrent loans | 30.4035% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 1,834 |
| Noncurrent loans to loans | 3.3401% | 1,549 |
| Net loans and leases to total assets | 76.0341% | 2,613 |
| Net loans and leases to deposits | 89.1663% | 3,606 |
| Net loans and leases to core deposits | 110.5057% | 3,731 |
| Total domestic deposits to total assets | 85.2723% | 2,718 |
| Equity capital to assets | 10.3215% | 3,692 |
| Core capital (leverage) ratio | 9.8073% | 3,637 |
| Tier 1 risk-based capital ratio | 16.3942% | 2,521 |
| Total risk-based capital ratio | 17.6451% | 2,459 |
| Memoranda: | ||
| Average total assets | $207,367,400 | 3,039 |
| Average earning assets | $190,056,000 | 3,039 |
| Average equity | $20,875,800 | 3,111 |
| Average total loans | $158,113,600 | 2,800 |