Home > Pillar Bank > Performance and Condition Ratios
Pillar Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 2,313 |
| Cost of funding earning assets | 1.4682% | 3,287 |
| Net interest margin | 3.9264% | 1,418 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.9454% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8001% | 2,844 |
| Return on assets (ROA) | 0.8001% | 2,847 |
| Pretax return on assets | 0.9844% | 2,758 |
| Return on Equity (ROE) | 12.9200% | 1,507 |
| Retained earnings to average equity (ytd only) | 12.9188% | 641 |
| Net charge-offs to loans | -0.0027% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.9512% | 1,338 |
| Assets per employee ($millions) | 5.3947% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,002 |
| Loan loss allowance to noncurrent loans | 86.2019% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 940 |
| Noncurrent loans to loans | 1.4326% | 700 |
| Net loans and leases to total assets | 55.3800% | 3,251 |
| Net loans and leases to deposits | 73.1379% | 2,636 |
| Net loans and leases to core deposits | 82.0335% | 2,568 |
| Total domestic deposits to total assets | 75.7200% | 3,999 |
| Equity capital to assets | 6.4998% | 4,151 |
| Core capital (leverage) ratio | 9.3010% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0256% | 1,516 |
| Memoranda: | ||
| Average total assets | $260,471,500 | 2,679 |
| Average earning assets | $239,202,500 | 2,691 |
| Average equity | $16,131,500 | 3,275 |
| Average total loans | $146,551,500 | 2,799 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 3,181 |
| Cost of funding earning assets | 1.6197% | 3,140 |
| Net interest margin | 3.3281% | 2,438 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.7753% | 1,565 |
| Loan and lease loss provision to assets | 0.4700% | 224 |
| Net operating income to assets | 0.0772% | 4,113 |
| Return on assets (ROA) | 0.0562% | 4,151 |
| Pretax return on assets | 0.0877% | 4,129 |
| Return on Equity (ROE) | 0.9400% | 4,116 |
| Retained earnings to average equity (ytd only) | 0.9405% | 3,696 |
| Net charge-offs to loans | 1.1262% | 133 |
| Credit loss provision to net charge-offs | 71.5543% | 2,189 |
| Earnings coverage of net charge-offs (x) | 0.8897% | 2,955 |
| Efficiency ratio | 82.6211% | 873 |
| Assets per employee ($millions) | 5.5744% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,066 |
| Loan loss allowance to noncurrent loans | 88.4747% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 939 |
| Noncurrent loans to loans | 1.3785% | 719 |
| Net loans and leases to total assets | 55.7700% | 3,282 |
| Net loans and leases to deposits | 73.7001% | 2,670 |
| Net loans and leases to core deposits | 82.7912% | 2,574 |
| Total domestic deposits to total assets | 75.6700% | 3,974 |
| Equity capital to assets | 5.8902% | 4,230 |
| Core capital (leverage) ratio | 9.1086% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5354% | 1,667 |
| Memoranda: | ||
| Average total assets | $259,862,800 | 2,649 |
| Average earning assets | $240,226,800 | 2,650 |
| Average equity | $15,523,800 | 3,294 |
| Average total loans | $151,387,600 | 2,717 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 3,193 |
| Cost of funding earning assets | 1.6497% | 3,053 |
| Net interest margin | 3.2545% | 2,553 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.6658% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5315% | 3,390 |
| Return on assets (ROA) | 0.5008% | 3,492 |
| Pretax return on assets | 0.6031% | 3,468 |
| Return on Equity (ROE) | 8.3500% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.3531% | 1,283 |
| Net charge-offs to loans | -0.1550% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 80.6376% | 1,039 |
| Assets per employee ($millions) | 5.9402% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 775 |
| Loan loss allowance to noncurrent loans | 62.1785% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 334 |
| Noncurrent loans to loans | 2.6307% | 262 |
| Net loans and leases to total assets | 56.7400% | 3,195 |
| Net loans and leases to deposits | 76.1339% | 2,516 |
| Net loans and leases to core deposits | 85.6194% | 2,445 |
| Total domestic deposits to total assets | 74.5200% | 4,030 |
| Equity capital to assets | 6.8038% | 4,172 |
| Core capital (leverage) ratio | 9.3618% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9927% | 1,537 |
| Memoranda: | ||
| Average total assets | $259,329,500 | 2,649 |
| Average earning assets | $240,359,000 | 2,648 |
| Average equity | $15,546,750 | 3,295 |
| Average total loans | $152,256,250 | 2,701 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 3,217 |
| Cost of funding earning assets | 1.6422% | 2,989 |
| Net interest margin | 3.1927% | 2,648 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.6414% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5145% | 3,399 |
| Return on assets (ROA) | 0.4516% | 3,593 |
| Pretax return on assets | 0.5413% | 3,559 |
| Return on Equity (ROE) | 7.8900% | 2,769 |
| Retained earnings to average equity (ytd only) | 7.8912% | 1,400 |
| Net charge-offs to loans | -0.2291% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.0631% | 1,045 |
| Assets per employee ($millions) | 6.1355% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 814 |
| Loan loss allowance to noncurrent loans | 58.3195% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 282 |
| Noncurrent loans to loans | 2.7836% | 216 |
| Net loans and leases to total assets | 57.9500% | 3,121 |
| Net loans and leases to deposits | 78.9902% | 2,285 |
| Net loans and leases to core deposits | 85.1899% | 2,448 |
| Total domestic deposits to total assets | 73.3600% | 4,108 |
| Equity capital to assets | 5.9117% | 4,229 |
| Core capital (leverage) ratio | 9.5187% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5850% | 1,673 |
| Memoranda: | ||
| Average total assets | $258,649,333 | 2,650 |
| Average earning assets | $239,924,000 | 2,645 |
| Average equity | $14,801,333 | 3,338 |
| Average total loans | $152,755,667 | 2,685 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27,651.0000% | 32 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 0.2825% | 3,887 |
| Pretax return on assets | 0.3226% | 3,888 |
| Return on Equity (ROE) | 5.0200% | 3,443 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 15.5912% | 4,514 |
| Assets per employee ($millions) | 0.4528% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 172.0000% | 2 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 2,743.0000% | 34 |
| Total domestic deposits to total assets | 114.0000% | 19 |
| Equity capital to assets | 15,945.0000% | 30 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,914,000 | 4,561 |
| Average earning assets | $3,165 | 4,565 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 3,116 |
| Cost of funding earning assets | 1.2215% | 2,365 |
| Net interest margin | 3.1730% | 2,980 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 4.4890% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5849% | 3,582 |
| Return on assets (ROA) | 0.5849% | 3,568 |
| Pretax return on assets | -1.1327% | 4,562 |
| Return on Equity (ROE) | 12.5100% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.5288% | 2,770 |
| Net charge-offs to loans | -0.0018% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 133.7482% | 58 |
| Assets per employee ($millions) | 5.9766% | 2,784 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,068 |
| Loan loss allowance to noncurrent loans | 71.5000% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 349 |
| Noncurrent loans to loans | 2.1223% | 270 |
| Net loans and leases to total assets | 57.7800% | 3,046 |
| Net loans and leases to deposits | 72.5054% | 2,681 |
| Net loans and leases to core deposits | 76.9778% | 2,799 |
| Total domestic deposits to total assets | 79.6900% | 3,575 |
| Equity capital to assets | 4.5600% | 4,327 |
| Core capital (leverage) ratio | 9.3428% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4907% | 1,721 |
| Memoranda: | ||
| Average total assets | $255,313,500 | 2,654 |
| Average earning assets | $237,412,500 | 2,650 |
| Average equity | $11,937,250 | 3,527 |
| Average total loans | $146,895,500 | 2,708 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,990 |
| Cost of funding earning assets | 1.1359% | 2,180 |
| Net interest margin | 3.2206% | 2,935 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.6402% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5849% | 3,621 |
| Return on assets (ROA) | 0.5849% | 3,623 |
| Pretax return on assets | 0.8149% | 3,376 |
| Return on Equity (ROE) | 12.4100% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.3289% | 2,852 |
| Net charge-offs to loans | -0.0027% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4145% | 1,138 |
| Assets per employee ($millions) | 6.3611% | 2,419 |
| Cash dividends to net income (ytd only)* | 57.0470% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,062 |
| Loan loss allowance to noncurrent loans | 177.0898% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 1,095 |
| Noncurrent loans to loans | 0.8704% | 872 |
| Net loans and leases to total assets | 56.0400% | 3,121 |
| Net loans and leases to deposits | 71.1456% | 2,704 |
| Net loans and leases to core deposits | 76.8708% | 2,699 |
| Total domestic deposits to total assets | 78.7700% | 3,753 |
| Equity capital to assets | 5.4688% | 4,297 |
| Core capital (leverage) ratio | 9.3254% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5234% | 1,719 |
| Memoranda: | ||
| Average total assets | $254,753,333 | 2,664 |
| Average earning assets | $237,158,667 | 2,660 |
| Average equity | $12,010,000 | 3,536 |
| Average total loans | $145,601,000 | 2,708 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,759 |
| Cost of funding earning assets | 0.9805% | 2,110 |
| Net interest margin | 3.3358% | 2,778 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 9.8821% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7135% | 3,434 |
| Return on assets (ROA) | 0.7135% | 3,387 |
| Pretax return on assets | -6.1273% | 4,670 |
| Return on Equity (ROE) | 16.5000% | 1,261 |
| Retained earnings to average equity (ytd only) | 0.8821% | 3,885 |
| Net charge-offs to loans | -0.0028% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 263.1824% | 15 |
| Assets per employee ($millions) | 6.2430% | 2,545 |
| Cash dividends to net income (ytd only)* | 94.6548% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 1,068 |
| Loan loss allowance to noncurrent loans | 32,671.4286% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,890 |
| Noncurrent loans to loans | 0.0048% | 3,815 |
| Net loans and leases to total assets | 55.9400% | 3,043 |
| Net loans and leases to deposits | 70.1441% | 2,598 |
| Net loans and leases to core deposits | 74.3614% | 2,646 |
| Total domestic deposits to total assets | 79.7600% | 3,792 |
| Equity capital to assets | 5.3871% | 4,359 |
| Core capital (leverage) ratio | 9.2572% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5207% | 1,791 |
| Memoranda: | ||
| Average total assets | $251,727,500 | 2,721 |
| Average earning assets | $235,388,500 | 2,701 |
| Average equity | $10,883,500 | 3,684 |
| Average total loans | $144,181,000 | 2,760 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 2,161 |
| Cost of funding earning assets | 0.4284% | 1,872 |
| Net interest margin | 3.4147% | 2,204 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.6668% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2173% | 1,707 |
| Return on assets (ROA) | 1.2173% | 1,654 |
| Pretax return on assets | 1.2198% | 2,371 |
| Return on Equity (ROE) | 22.4400% | 309 |
| Retained earnings to average equity (ytd only) | 3.3602% | 3,606 |
| Net charge-offs to loans | -0.0037% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6162% | 1,888 |
| Assets per employee ($millions) | 5.8927% | 2,857 |
| Cash dividends to net income (ytd only)* | 85.0283% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 921 |
| Loan loss allowance to noncurrent loans | 978.1513% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 2,871 |
| Noncurrent loans to loans | 0.1666% | 2,652 |
| Net loans and leases to total assets | 56.7900% | 2,938 |
| Net loans and leases to deposits | 69.2085% | 2,650 |
| Net loans and leases to core deposits | 72.4619% | 2,686 |
| Total domestic deposits to total assets | 82.0600% | 3,621 |
| Equity capital to assets | 3.2235% | 4,591 |
| Core capital (leverage) ratio | 9.4310% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0351% | 1,622 |
| Memoranda: | ||
| Average total assets | $246,360,400 | 2,751 |
| Average earning assets | $233,430,400 | 2,713 |
| Average equity | $13,362,400 | 3,538 |
| Average total loans | $136,700,400 | 2,765 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 1,934 |
| Cost of funding earning assets | 0.3160% | 2,004 |
| Net interest margin | 3.4216% | 1,912 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.5867% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4342% | 995 |
| Return on assets (ROA) | 1.4342% | 972 |
| Pretax return on assets | 1.4347% | 1,617 |
| Return on Equity (ROE) | 23.9900% | 218 |
| Retained earnings to average equity (ytd only) | 0.8793% | 4,232 |
| Net charge-offs to loans | -0.0039% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3223% | 2,501 |
| Assets per employee ($millions) | 5.7999% | 2,927 |
| Cash dividends to net income (ytd only)* | 96.3355% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 944 |
| Loan loss allowance to noncurrent loans | 116,350.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,036 |
| Noncurrent loans to loans | 0.0014% | 3,969 |
| Net loans and leases to total assets | 56.5800% | 2,844 |
| Net loans and leases to deposits | 69.9224% | 2,370 |
| Net loans and leases to core deposits | 70.1412% | 2,631 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 3.1253% | 4,583 |
| Core capital (leverage) ratio | 9.3217% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4623% | 1,581 |
| Memoranda: | ||
| Average total assets | $246,077,500 | 2,769 |
| Average earning assets | $233,338,500 | 2,734 |
| Average equity | $14,708,500 | 3,437 |
| Average total loans | $135,156,000 | 2,780 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 1,699 |
| Cost of funding earning assets | 0.2803% | 1,904 |
| Net interest margin | 3.3658% | 1,698 |
| Noninterest income to average assets | 1.0150% | 643 |
| Noninterest expense to average assets | 2.5184% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6865% | 440 |
| Return on assets (ROA) | 1.6865% | 434 |
| Pretax return on assets | 1.6873% | 776 |
| Return on Equity (ROE) | 24.3884% | 131 |
| Retained earnings to average equity (ytd only) | 7.4032% | 1,849 |
| Net charge-offs to loans | -0.0030% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8806% | 3,312 |
| Assets per employee ($millions) | 5.9413% | 2,795 |
| Cash dividends to net income (ytd only)* | 69.6446% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.1793% | 2,838 |
| Net loans and leases to deposits | 72.2445% | 2,006 |
| Net loans and leases to core deposits | 72.4829% | 2,285 |
| Total domestic deposits to total assets | 76.3786% | 4,442 |
| Equity capital to assets | 4.2140% | 4,598 |
| Core capital (leverage) ratio | 9.5071% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1091% | 1,409 |
| Memoranda: | ||
| Average total assets | $246,904,667 | 2,790 |
| Average earning assets | $234,063,000 | 2,762 |
| Average equity | $17,073,667 | 3,318 |
| Average total loans | $133,488,667 | 2,815 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 1,706 |
| Cost of funding earning assets | 0.2494% | 2,169 |
| Net interest margin | 3.2792% | 1,622 |
| Noninterest income to average assets | 0.3235% | 3,166 |
| Noninterest expense to average assets | 2.4026% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0299% | 1,761 |
| Return on assets (ROA) | 1.0299% | 1,750 |
| Pretax return on assets | 1.0315% | 2,348 |
| Return on Equity (ROE) | 12.5012% | 1,161 |
| Retained earnings to average equity (ytd only) | -15.8219% | 4,652 |
| Net charge-offs to loans | -0.0030% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9625% | 2,238 |
| Assets per employee ($millions) | 6.1141% | 2,695 |
| Cash dividends to net income (ytd only)* | 226.5625% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 960 |
| Loan loss allowance to noncurrent loans | 3,183.5616% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,743 |
| Noncurrent loans to loans | 0.0551% | 3,590 |
| Net loans and leases to total assets | 53.2687% | 2,847 |
| Net loans and leases to deposits | 70.5009% | 1,917 |
| Net loans and leases to core deposits | 70.5009% | 2,248 |
| Total domestic deposits to total assets | 75.5575% | 4,519 |
| Equity capital to assets | 6.6327% | 4,374 |
| Core capital (leverage) ratio | 8.6941% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8512% | 1,547 |
| Memoranda: | ||
| Average total assets | $248,560,500 | 2,793 |
| Average earning assets | $235,788,500 | 2,761 |
| Average equity | $20,478,000 | 3,105 |
| Average total loans | $131,864,000 | 2,829 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 2,264 |
| Cost of funding earning assets | 0.2734% | 2,674 |
| Net interest margin | 3.3722% | 2,107 |
| Noninterest income to average assets | 0.4238% | 2,931 |
| Noninterest expense to average assets | 2.4462% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1794% | 1,998 |
| Return on assets (ROA) | 1.2440% | 1,821 |
| Pretax return on assets | 1.2477% | 2,526 |
| Return on Equity (ROE) | 12.2415% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.5176% | 1,714 |
| Net charge-offs to loans | -0.0024% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4002% | 2,070 |
| Assets per employee ($millions) | 6.1600% | 2,599 |
| Cash dividends to net income (ytd only)* | 38.5895% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 918 |
| Loan loss allowance to noncurrent loans | 3,097.3333% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,828 |
| Noncurrent loans to loans | 0.0572% | 3,666 |
| Net loans and leases to total assets | 51.0004% | 3,175 |
| Net loans and leases to deposits | 70.5864% | 2,064 |
| Net loans and leases to core deposits | 70.5864% | 2,394 |
| Total domestic deposits to total assets | 72.2524% | 4,638 |
| Equity capital to assets | 9.7938% | 2,857 |
| Core capital (leverage) ratio | 9.0970% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5176% | 1,383 |
| Memoranda: | ||
| Average total assets | $241,643,400 | 2,782 |
| Average earning assets | $229,699,800 | 2,749 |
| Average equity | $24,555,800 | 2,878 |
| Average total loans | $123,808,400 | 2,916 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 2,486 |
| Cost of funding earning assets | 0.2805% | 2,795 |
| Net interest margin | 3.3439% | 2,307 |
| Noninterest income to average assets | 0.4794% | 2,714 |
| Noninterest expense to average assets | 2.3589% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3031% | 1,821 |
| Return on assets (ROA) | 1.3879% | 1,645 |
| Pretax return on assets | 1.3918% | 2,373 |
| Return on Equity (ROE) | 13.5283% | 1,543 |
| Retained earnings to average equity (ytd only) | 7.2183% | 2,337 |
| Net charge-offs to loans | -0.0022% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3477% | 2,341 |
| Assets per employee ($millions) | 6.1063% | 2,582 |
| Cash dividends to net income (ytd only)* | 46.6425% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 915 |
| Loan loss allowance to noncurrent loans | 592.3469% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 3,048 |
| Noncurrent loans to loans | 0.3046% | 2,703 |
| Net loans and leases to total assets | 51.7390% | 3,216 |
| Net loans and leases to deposits | 71.8381% | 2,066 |
| Net loans and leases to core deposits | 71.8381% | 2,437 |
| Total domestic deposits to total assets | 72.0216% | 4,683 |
| Equity capital to assets | 10.1735% | 2,737 |
| Core capital (leverage) ratio | 9.0232% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7878% | 1,394 |
| Memoranda: | ||
| Average total assets | $238,914,500 | 2,827 |
| Average earning assets | $227,673,750 | 2,779 |
| Average equity | $24,511,000 | 2,910 |
| Average total loans | $121,978,250 | 2,978 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 2,508 |
| Cost of funding earning assets | 0.2906% | 2,869 |
| Net interest margin | 3.3463% | 2,311 |
| Noninterest income to average assets | 0.5870% | 2,272 |
| Noninterest expense to average assets | 2.3320% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4363% | 1,461 |
| Return on assets (ROA) | 1.5493% | 1,233 |
| Pretax return on assets | 1.5535% | 1,863 |
| Return on Equity (ROE) | 15.0584% | 1,143 |
| Retained earnings to average equity (ytd only) | 5.5496% | 2,978 |
| Net charge-offs to loans | -0.0017% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8153% | 2,755 |
| Assets per employee ($millions) | 5.9712% | 2,643 |
| Cash dividends to net income (ytd only)* | 63.1464% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 797 |
| Loan loss allowance to noncurrent loans | 589.0863% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,187 |
| Noncurrent loans to loans | 0.3153% | 2,790 |
| Net loans and leases to total assets | 50.0886% | 3,550 |
| Net loans and leases to deposits | 73.3064% | 2,068 |
| Net loans and leases to core deposits | 73.3064% | 2,482 |
| Total domestic deposits to total assets | 68.3278% | 4,785 |
| Equity capital to assets | 10.1323% | 2,741 |
| Core capital (leverage) ratio | 8.8831% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6068% | 1,444 |
| Memoranda: | ||
| Average total assets | $237,135,000 | 2,827 |
| Average earning assets | $225,745,000 | 2,787 |
| Average equity | $24,398,333 | 2,913 |
| Average total loans | $119,739,000 | 3,008 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 2,606 |
| Cost of funding earning assets | 0.2957% | 3,040 |
| Net interest margin | 3.3153% | 2,346 |
| Noninterest income to average assets | 0.6773% | 1,936 |
| Noninterest expense to average assets | 2.3884% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4420% | 1,463 |
| Return on assets (ROA) | 1.5466% | 1,289 |
| Pretax return on assets | 1.5466% | 1,862 |
| Return on Equity (ROE) | 14.9125% | 1,233 |
| Retained earnings to average equity (ytd only) | -4.2654% | 4,670 |
| Net charge-offs to loans | -0.0034% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3545% | 2,692 |
| Assets per employee ($millions) | 5.9261% | 2,668 |
| Cash dividends to net income (ytd only)* | 128.6031% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 672 |
| Loan loss allowance to noncurrent loans | 581.7043% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 3,322 |
| Noncurrent loans to loans | 0.3348% | 2,894 |
| Net loans and leases to total assets | 49.2980% | 3,688 |
| Net loans and leases to deposits | 71.3759% | 2,377 |
| Net loans and leases to core deposits | 71.3759% | 2,758 |
| Total domestic deposits to total assets | 69.0682% | 4,784 |
| Equity capital to assets | 9.2683% | 3,427 |
| Core capital (leverage) ratio | 8.7873% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7011% | 1,386 |
| Memoranda: | ||
| Average total assets | $233,292,500 | 2,841 |
| Average earning assets | $221,881,500 | 2,802 |
| Average equity | $24,194,500 | 2,913 |
| Average total loans | $117,134,500 | 3,039 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 2,574 |
| Cost of funding earning assets | 0.4101% | 3,519 |
| Net interest margin | 3.6427% | 2,002 |
| Noninterest income to average assets | 0.5344% | 2,489 |
| Noninterest expense to average assets | 2.5123% | 2,810 |
| Loan and lease loss provision to assets | 0.1862% | 2,090 |
| Net operating income to assets | 1.2841% | 1,295 |
| Return on assets (ROA) | 1.4718% | 951 |
| Pretax return on assets | 1.4765% | 1,418 |
| Return on Equity (ROE) | 13.1559% | 1,000 |
| Retained earnings to average equity (ytd only) | 11.3631% | 390 |
| Net charge-offs to loans | -0.0843% | 4,776 |
| Credit loss provision to net charge-offs | -402.0619% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0060% | 2,974 |
| Assets per employee ($millions) | 5.5986% | 2,745 |
| Cash dividends to net income (ytd only)* | 13.6275% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 568 |
| Loan loss allowance to noncurrent loans | 568.6275% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,391 |
| Noncurrent loans to loans | 0.3545% | 2,931 |
| Net loans and leases to total assets | 49.1285% | 3,895 |
| Net loans and leases to deposits | 69.0122% | 2,978 |
| Net loans and leases to core deposits | 69.1391% | 3,325 |
| Total domestic deposits to total assets | 71.1882% | 4,746 |
| Equity capital to assets | 11.5095% | 1,876 |
| Core capital (leverage) ratio | 9.2534% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8535% | 1,084 |
| Memoranda: | ||
| Average total assets | $209,408,600 | 2,865 |
| Average earning assets | $198,504,200 | 2,840 |
| Average equity | $23,426,800 | 2,910 |
| Average total loans | $115,125,800 | 3,031 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,479 |
| Cost of funding earning assets | 0.4393% | 3,586 |
| Net interest margin | 3.7260% | 1,854 |
| Noninterest income to average assets | 0.6302% | 2,065 |
| Noninterest expense to average assets | 2.5169% | 2,787 |
| Loan and lease loss provision to assets | 0.2544% | 1,597 |
| Net operating income to assets | 1.3837% | 1,138 |
| Return on assets (ROA) | 1.4261% | 1,129 |
| Pretax return on assets | 1.4313% | 1,631 |
| Return on Equity (ROE) | 12.8517% | 1,153 |
| Retained earnings to average equity (ytd only) | 10.3824% | 692 |
| Net charge-offs to loans | -0.1112% | 4,841 |
| Credit loss provision to net charge-offs | -406.2500% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4987% | 3,308 |
| Assets per employee ($millions) | 5.6769% | 2,558 |
| Cash dividends to net income (ytd only)* | 19.2132% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 556 |
| Loan loss allowance to noncurrent loans | 240.9563% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 2,439 |
| Noncurrent loans to loans | 0.8020% | 1,818 |
| Net loans and leases to total assets | 53.1285% | 3,881 |
| Net loans and leases to deposits | 76.5037% | 2,700 |
| Net loans and leases to core deposits | 76.6533% | 3,118 |
| Total domestic deposits to total assets | 69.4457% | 4,776 |
| Equity capital to assets | 11.6247% | 1,920 |
| Core capital (leverage) ratio | 9.1144% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7404% | 1,093 |
| Memoranda: | ||
| Average total assets | $204,375,500 | 2,885 |
| Average earning assets | $193,625,000 | 2,866 |
| Average equity | $22,678,750 | 2,961 |
| Average total loans | $115,134,750 | 3,041 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,828 |
| Cost of funding earning assets | 0.4796% | 3,660 |
| Net interest margin | 3.6986% | 2,167 |
| Noninterest income to average assets | 0.7650% | 1,539 |
| Noninterest expense to average assets | 2.5898% | 2,695 |
| Loan and lease loss provision to assets | 0.3925% | 1,041 |
| Net operating income to assets | 1.2692% | 1,437 |
| Return on assets (ROA) | 1.3135% | 1,435 |
| Pretax return on assets | 1.3196% | 1,968 |
| Return on Equity (ROE) | 12.0502% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.1720% | 1,254 |
| Net charge-offs to loans | -0.0035% | 3,912 |
| Credit loss provision to net charge-offs | -19,500.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8274% | 3,301 |
| Assets per employee ($millions) | 5.5362% | 2,601 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 615 |
| Loan loss allowance to noncurrent loans | 91.4509% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 1,007 |
| Noncurrent loans to loans | 1.9996% | 677 |
| Net loans and leases to total assets | 55.3246% | 3,746 |
| Net loans and leases to deposits | 78.6805% | 2,581 |
| Net loans and leases to core deposits | 78.8363% | 3,039 |
| Total domestic deposits to total assets | 70.3155% | 4,777 |
| Equity capital to assets | 11.0282% | 2,317 |
| Core capital (leverage) ratio | 9.1996% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6531% | 1,329 |
| Memoranda: | ||
| Average total assets | $198,701,000 | 2,913 |
| Average earning assets | $187,639,000 | 2,891 |
| Average equity | $21,659,333 | 3,018 |
| Average total loans | $113,531,667 | 3,048 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 2,988 |
| Cost of funding earning assets | 0.5498% | 3,696 |
| Net interest margin | 3.7299% | 2,217 |
| Noninterest income to average assets | 0.4040% | 3,066 |
| Noninterest expense to average assets | 2.7502% | 2,578 |
| Loan and lease loss provision to assets | 0.6207% | 438 |
| Net operating income to assets | 0.5411% | 3,772 |
| Return on assets (ROA) | 0.5723% | 3,743 |
| Pretax return on assets | 0.5766% | 3,965 |
| Return on Equity (ROE) | 5.2858% | 3,543 |
| Retained earnings to average equity (ytd only) | -2.8761% | 4,340 |
| Net charge-offs to loans | -0.0037% | 3,765 |
| Credit loss provision to net charge-offs | -29,500.0000% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2311% | 2,317 |
| Assets per employee ($millions) | 4.6820% | 3,012 |
| Cash dividends to net income (ytd only)* | 154.4118% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 550 |
| Loan loss allowance to noncurrent loans | 134.7468% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 1,181 |
| Noncurrent loans to loans | 1.4498% | 1,102 |
| Net loans and leases to total assets | 55.6632% | 3,865 |
| Net loans and leases to deposits | 77.9616% | 2,892 |
| Net loans and leases to core deposits | 78.2763% | 3,336 |
| Total domestic deposits to total assets | 71.3982% | 4,800 |
| Equity capital to assets | 10.9393% | 2,912 |
| Core capital (leverage) ratio | 9.4513% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5126% | 1,465 |
| Memoranda: | ||
| Average total assets | $190,096,000 | 2,953 |
| Average earning assets | $178,988,000 | 2,933 |
| Average equity | $20,583,500 | 3,110 |
| Average total loans | $109,459,000 | 3,087 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 2,665 |
| Cost of funding earning assets | 0.5829% | 3,708 |
| Net interest margin | 4.0041% | 1,847 |
| Noninterest income to average assets | 0.4943% | 2,771 |
| Noninterest expense to average assets | 3.1165% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1225% | 2,361 |
| Return on assets (ROA) | 1.1740% | 2,257 |
| Pretax return on assets | 1.1745% | 2,931 |
| Return on Equity (ROE) | 11.4978% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.8624% | 2,492 |
| Net charge-offs to loans | -0.0106% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5106% | 1,665 |
| Assets per employee ($millions) | 4.4817% | 3,251 |
| Cash dividends to net income (ytd only)* | 57.7101% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 855 |
| Loan loss allowance to noncurrent loans | 111.2257% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 1,022 |
| Noncurrent loans to loans | 1.4990% | 965 |
| Net loans and leases to total assets | 57.4318% | 3,813 |
| Net loans and leases to deposits | 79.5340% | 2,828 |
| Net loans and leases to core deposits | 80.0404% | 3,291 |
| Total domestic deposits to total assets | 72.2104% | 4,862 |
| Equity capital to assets | 10.7144% | 3,244 |
| Core capital (leverage) ratio | 9.6734% | 3,874 |
| Tier 1 risk-based capital ratio | 15.3276% | 2,646 |
| Total risk-based capital ratio | 16.5813% | 2,578 |
| Memoranda: | ||
| Average total assets | $184,499,600 | 2,966 |
| Average earning assets | $172,575,000 | 2,955 |
| Average equity | $18,838,400 | 3,242 |
| Average total loans | $112,957,800 | 3,040 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 2,839 |
| Cost of funding earning assets | 0.5794% | 3,776 |
| Net interest margin | 3.9893% | 1,977 |
| Noninterest income to average assets | 0.5266% | 2,571 |
| Noninterest expense to average assets | 3.0208% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2355% | 2,080 |
| Return on assets (ROA) | 1.3045% | 1,922 |
| Pretax return on assets | 1.3052% | 2,652 |
| Return on Equity (ROE) | 12.9396% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.1946% | 2,799 |
| Net charge-offs to loans | -0.0117% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9606% | 1,974 |
| Assets per employee ($millions) | 4.2447% | 3,557 |
| Cash dividends to net income (ytd only)* | 59.8553% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,022 |
| Loan loss allowance to noncurrent loans | 76.2281% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 666 |
| Noncurrent loans to loans | 2.0798% | 639 |
| Net loans and leases to total assets | 60.8572% | 3,610 |
| Net loans and leases to deposits | 84.3619% | 2,410 |
| Net loans and leases to core deposits | 85.0946% | 2,981 |
| Total domestic deposits to total assets | 72.1382% | 4,910 |
| Equity capital to assets | 10.9308% | 3,159 |
| Core capital (leverage) ratio | 9.6427% | 4,033 |
| Tier 1 risk-based capital ratio | 14.8323% | 2,933 |
| Total risk-based capital ratio | 16.0853% | 2,858 |
| Memoranda: | ||
| Average total assets | $183,566,500 | 3,005 |
| Average earning assets | $171,656,750 | 2,991 |
| Average equity | $18,506,000 | 3,300 |
| Average total loans | $113,712,750 | 3,065 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 2,944 |
| Cost of funding earning assets | 0.5608% | 3,833 |
| Net interest margin | 3.9608% | 2,055 |
| Noninterest income to average assets | 0.3507% | 3,592 |
| Noninterest expense to average assets | 2.9962% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0531% | 2,711 |
| Return on assets (ROA) | 1.1573% | 2,370 |
| Pretax return on assets | 1.1584% | 3,045 |
| Return on Equity (ROE) | 11.8189% | 1,654 |
| Retained earnings to average equity (ytd only) | 4.8238% | 2,851 |
| Net charge-offs to loans | -0.0018% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9719% | 1,652 |
| Assets per employee ($millions) | 4.4412% | 3,231 |
| Cash dividends to net income (ytd only)* | 59.1856% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,163 |
| Loan loss allowance to noncurrent loans | 82.9313% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 743 |
| Noncurrent loans to loans | 1.8555% | 807 |
| Net loans and leases to total assets | 62.4997% | 3,494 |
| Net loans and leases to deposits | 86.0286% | 2,251 |
| Net loans and leases to core deposits | 86.6096% | 2,916 |
| Total domestic deposits to total assets | 72.6498% | 4,930 |
| Equity capital to assets | 10.3324% | 3,665 |
| Core capital (leverage) ratio | 9.7218% | 3,909 |
| Tier 1 risk-based capital ratio | 14.2020% | 3,210 |
| Total risk-based capital ratio | 15.4548% | 3,123 |
| Memoranda: | ||
| Average total assets | $182,500,330 | 3,024 |
| Average earning assets | $170,468,670 | 3,013 |
| Average equity | $17,869,670 | 3,370 |
| Average total loans | $113,120,000 | 3,088 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 2,946 |
| Cost of funding earning assets | 0.5258% | 3,942 |
| Net interest margin | 3.9521% | 2,015 |
| Noninterest income to average assets | 0.3347% | 3,625 |
| Noninterest expense to average assets | 2.9986% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0150% | 2,789 |
| Return on assets (ROA) | 1.0926% | 2,544 |
| Pretax return on assets | 1.0948% | 3,168 |
| Return on Equity (ROE) | 11.4865% | 1,741 |
| Retained earnings to average equity (ytd only) | 8.3411% | 1,535 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6689% | 1,656 |
| Assets per employee ($millions) | 4.8356% | 2,735 |
| Cash dividends to net income (ytd only)* | 27.3834% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,033 |
| Loan loss allowance to noncurrent loans | 94.4964% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 903 |
| Noncurrent loans to loans | 1.7077% | 902 |
| Net loans and leases to total assets | 60.3860% | 3,667 |
| Net loans and leases to deposits | 82.8271% | 2,526 |
| Net loans and leases to core deposits | 84.0270% | 3,026 |
| Total domestic deposits to total assets | 72.9060% | 5,005 |
| Equity capital to assets | 9.8768% | 3,938 |
| Core capital (leverage) ratio | 9.8998% | 3,714 |
| Tier 1 risk-based capital ratio | 14.4585% | 3,113 |
| Total risk-based capital ratio | 15.7120% | 3,043 |
| Memoranda: | ||
| Average total assets | $180,486,000 | 3,081 |
| Average earning assets | $168,114,000 | 3,074 |
| Average equity | $17,168,000 | 3,463 |
| Average total loans | $110,479,000 | 3,159 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 3,087 |
| Cost of funding earning assets | 0.4596% | 3,610 |
| Net interest margin | 3.8471% | 2,511 |
| Noninterest income to average assets | 0.4751% | 2,970 |
| Noninterest expense to average assets | 2.9011% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1684% | 2,321 |
| Return on assets (ROA) | 1.1684% | 2,313 |
| Pretax return on assets | 1.1696% | 3,017 |
| Return on Equity (ROE) | 12.2472% | 1,632 |
| Retained earnings to average equity (ytd only) | 1.8291% | 4,415 |
| Net charge-offs to loans | -0.0578% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2688% | 2,007 |
| Assets per employee ($millions) | 4.5441% | 3,099 |
| Cash dividends to net income (ytd only)* | 85.0649% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 860 |
| Loan loss allowance to noncurrent loans | 69.9731% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 527 |
| Noncurrent loans to loans | 2.4044% | 522 |
| Net loans and leases to total assets | 60.0144% | 3,775 |
| Net loans and leases to deposits | 77.4378% | 3,234 |
| Net loans and leases to core deposits | 78.5299% | 3,536 |
| Total domestic deposits to total assets | 77.5002% | 4,564 |
| Equity capital to assets | 9.1339% | 4,461 |
| Core capital (leverage) ratio | 9.9940% | 3,582 |
| Tier 1 risk-based capital ratio | 14.8699% | 2,894 |
| Total risk-based capital ratio | 16.1243% | 2,822 |
| Memoranda: | ||
| Average total assets | $171,347,200 | 3,157 |
| Average earning assets | $160,147,400 | 3,137 |
| Average equity | $16,346,600 | 3,482 |
| Average total loans | $108,923,600 | 3,149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,108 |
| Cost of funding earning assets | 0.4341% | 3,637 |
| Net interest margin | 3.8286% | 2,534 |
| Noninterest income to average assets | 0.4505% | 3,169 |
| Noninterest expense to average assets | 2.9087% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1302% | 2,530 |
| Return on assets (ROA) | 1.1302% | 2,542 |
| Pretax return on assets | 1.1341% | 3,265 |
| Return on Equity (ROE) | 11.7167% | 1,900 |
| Retained earnings to average equity (ytd only) | 4.6134% | 3,445 |
| Net charge-offs to loans | -0.1075% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9472% | 1,887 |
| Assets per employee ($millions) | 4.6344% | 2,940 |
| Cash dividends to net income (ytd only)* | 60.6250% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 899 |
| Loan loss allowance to noncurrent loans | 67.9176% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0237% | 522 |
| Noncurrent loans to loans | 2.4831% | 525 |
| Net loans and leases to total assets | 62.7587% | 3,571 |
| Net loans and leases to deposits | 81.0760% | 2,915 |
| Net loans and leases to core deposits | 82.2578% | 3,305 |
| Total domestic deposits to total assets | 77.4073% | 4,579 |
| Equity capital to assets | 9.1432% | 4,425 |
| Core capital (leverage) ratio | 10.3778% | 3,204 |
| Tier 1 risk-based capital ratio | 14.7860% | 2,979 |
| Total risk-based capital ratio | 16.0397% | 2,895 |
| Memoranda: | ||
| Average total assets | $169,879,250 | 3,199 |
| Average earning assets | $159,391,000 | 3,174 |
| Average equity | $16,386,500 | 3,493 |
| Average total loans | $109,110,250 | 3,171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 3,046 |
| Cost of funding earning assets | 0.4116% | 3,638 |
| Net interest margin | 3.8106% | 2,535 |
| Noninterest income to average assets | 0.4618% | 3,080 |
| Noninterest expense to average assets | 2.8131% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2176% | 2,113 |
| Return on assets (ROA) | 1.2176% | 2,109 |
| Pretax return on assets | 1.2235% | 2,858 |
| Return on Equity (ROE) | 12.4047% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.7137% | 2,203 |
| Net charge-offs to loans | -0.1578% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6899% | 2,368 |
| Assets per employee ($millions) | 4.8437% | 2,625 |
| Cash dividends to net income (ytd only)* | 45.8778% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 907 |
| Loan loss allowance to noncurrent loans | 73.9671% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 572 |
| Noncurrent loans to loans | 2.2943% | 595 |
| Net loans and leases to total assets | 63.0068% | 3,508 |
| Net loans and leases to deposits | 77.9417% | 3,170 |
| Net loans and leases to core deposits | 79.0404% | 3,497 |
| Total domestic deposits to total assets | 80.8383% | 4,045 |
| Equity capital to assets | 9.6018% | 4,003 |
| Core capital (leverage) ratio | 10.2286% | 3,324 |
| Tier 1 risk-based capital ratio | 14.7866% | 2,972 |
| Total risk-based capital ratio | 16.0409% | 2,901 |
| Memoranda: | ||
| Average total assets | $169,348,670 | 3,224 |
| Average earning assets | $158,874,670 | 3,198 |
| Average equity | $16,622,670 | 3,482 |
| Average total loans | $108,994,000 | 3,188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 3,014 |
| Cost of funding earning assets | 0.3659% | 3,867 |
| Net interest margin | 3.7983% | 2,432 |
| Noninterest income to average assets | 0.4585% | 3,063 |
| Noninterest expense to average assets | 2.7697% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2336% | 1,877 |
| Return on assets (ROA) | 1.2336% | 1,887 |
| Pretax return on assets | 1.2454% | 2,577 |
| Return on Equity (ROE) | 12.4323% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.4323% | 609 |
| Net charge-offs to loans | -0.0257% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9818% | 2,667 |
| Assets per employee ($millions) | 5.0253% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,145 |
| Loan loss allowance to noncurrent loans | 61.5626% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 466 |
| Noncurrent loans to loans | 2.6105% | 502 |
| Net loans and leases to total assets | 63.2444% | 3,404 |
| Net loans and leases to deposits | 78.4539% | 2,964 |
| Net loans and leases to core deposits | 78.7994% | 3,425 |
| Total domestic deposits to total assets | 80.6135% | 4,292 |
| Equity capital to assets | 9.6435% | 3,948 |
| Core capital (leverage) ratio | 10.3424% | 3,131 |
| Tier 1 risk-based capital ratio | 14.6955% | 3,028 |
| Total risk-based capital ratio | 15.9489% | 2,939 |
| Memoranda: | ||
| Average total assets | $169,257,500 | 3,255 |
| Average earning assets | $158,493,000 | 3,233 |
| Average equity | $16,795,000 | 3,500 |
| Average total loans | $109,161,000 | 3,205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,048 |
| Cost of funding earning assets | 0.3658% | 3,555 |
| Net interest margin | 3.7367% | 2,648 |
| Noninterest income to average assets | 0.4555% | 3,274 |
| Noninterest expense to average assets | 2.8082% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1410% | 1,709 |
| Return on assets (ROA) | 1.2143% | 1,501 |
| Pretax return on assets | 1.2221% | 2,677 |
| Return on Equity (ROE) | 11.9892% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.9892% | 179 |
| Net charge-offs to loans | -0.0102% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9796% | 2,404 |
| Assets per employee ($millions) | 4.9482% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 345 |
| Loan loss allowance to noncurrent loans | 72.9130% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.4317% | 394 |
| Noncurrent loans to loans | 3.0769% | 356 |
| Net loans and leases to total assets | 63.7924% | 3,390 |
| Net loans and leases to deposits | 78.4829% | 3,065 |
| Net loans and leases to core deposits | 78.8305% | 3,516 |
| Total domestic deposits to total assets | 81.2819% | 4,057 |
| Equity capital to assets | 10.5196% | 3,151 |
| Core capital (leverage) ratio | 10.4241% | 2,940 |
| Tier 1 risk-based capital ratio | 14.9251% | 2,880 |
| Total risk-based capital ratio | 16.1858% | 2,809 |
| Memoranda: | ||
| Average total assets | $164,874,800 | 3,295 |
| Average earning assets | $154,467,000 | 3,265 |
| Average equity | $16,698,400 | 3,513 |
| Average total loans | $107,677,800 | 3,218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,087 |
| Cost of funding earning assets | 0.3621% | 3,537 |
| Net interest margin | 3.7089% | 2,724 |
| Noninterest income to average assets | 0.4560% | 3,302 |
| Noninterest expense to average assets | 2.7571% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1731% | 1,794 |
| Return on assets (ROA) | 1.2712% | 1,460 |
| Pretax return on assets | 1.2786% | 2,592 |
| Return on Equity (ROE) | 12.6776% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.6776% | 246 |
| Net charge-offs to loans | -0.4915% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0392% | 2,529 |
| Assets per employee ($millions) | 4.7993% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 252 |
| Loan loss allowance to noncurrent loans | 151.5974% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 972 |
| Noncurrent loans to loans | 1.6745% | 1,089 |
| Net loans and leases to total assets | 65.0712% | 3,233 |
| Net loans and leases to deposits | 79.2483% | 3,038 |
| Net loans and leases to core deposits | 79.5963% | 3,477 |
| Total domestic deposits to total assets | 82.1105% | 3,737 |
| Equity capital to assets | 10.3795% | 3,506 |
| Core capital (leverage) ratio | 10.1271% | 3,410 |
| Tier 1 risk-based capital ratio | 14.6578% | 3,096 |
| Total risk-based capital ratio | 15.9228% | 3,006 |
| Memoranda: | ||
| Average total assets | $164,034,000 | 3,333 |
| Average earning assets | $153,933,750 | 3,300 |
| Average equity | $16,448,500 | 3,576 |
| Average total loans | $107,150,750 | 3,253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,050 |
| Cost of funding earning assets | 0.3356% | 3,744 |
| Net interest margin | 3.7030% | 2,649 |
| Noninterest income to average assets | 0.3491% | 4,056 |
| Noninterest expense to average assets | 2.7495% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0669% | 2,133 |
| Return on assets (ROA) | 1.0964% | 2,054 |
| Pretax return on assets | 1.1013% | 3,175 |
| Return on Equity (ROE) | 11.0672% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.0672% | 429 |
| Net charge-offs to loans | -0.7319% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9524% | 2,344 |
| Assets per employee ($millions) | 4.7107% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 267 |
| Loan loss allowance to noncurrent loans | 153.0744% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 997 |
| Noncurrent loans to loans | 1.6695% | 1,094 |
| Net loans and leases to total assets | 63.8093% | 3,411 |
| Net loans and leases to deposits | 78.9423% | 3,026 |
| Net loans and leases to core deposits | 79.2906% | 3,483 |
| Total domestic deposits to total assets | 80.8303% | 4,227 |
| Equity capital to assets | 10.0050% | 3,905 |
| Core capital (leverage) ratio | 9.8776% | 3,680 |
| Tier 1 risk-based capital ratio | 14.3179% | 3,257 |
| Total risk-based capital ratio | 15.5834% | 3,173 |
| Memoranda: | ||
| Average total assets | $162,720,000 | 3,365 |
| Average earning assets | $152,577,000 | 3,335 |
| Average equity | $16,119,670 | 3,626 |
| Average total loans | $105,484,000 | 3,291 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,124 |
| Cost of funding earning assets | 0.3164% | 3,888 |
| Net interest margin | 3.6599% | 2,655 |
| Noninterest income to average assets | 0.3742% | 3,848 |
| Noninterest expense to average assets | 2.7372% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0547% | 2,054 |
| Return on assets (ROA) | 1.0547% | 2,100 |
| Pretax return on assets | 1.0647% | 3,115 |
| Return on Equity (ROE) | 10.7034% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.7034% | 660 |
| Net charge-offs to loans | -1.4878% | 5,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9947% | 2,577 |
| Assets per employee ($millions) | 4.8940% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6983% | 254 |
| Loan loss allowance to noncurrent loans | 146.6874% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 945 |
| Noncurrent loans to loans | 1.8395% | 1,008 |
| Net loans and leases to total assets | 63.2782% | 3,363 |
| Net loans and leases to deposits | 78.5632% | 2,910 |
| Net loans and leases to core deposits | 79.1124% | 3,378 |
| Total domestic deposits to total assets | 80.5444% | 4,514 |
| Equity capital to assets | 9.9498% | 3,813 |
| Core capital (leverage) ratio | 10.0563% | 3,429 |
| Tier 1 risk-based capital ratio | 15.0327% | 2,950 |
| Total risk-based capital ratio | 16.3003% | 2,873 |
| Memoranda: | ||
| Average total assets | $159,287,500 | 3,444 |
| Average earning assets | $149,185,000 | 3,410 |
| Average equity | $15,696,000 | 3,695 |
| Average total loans | $102,701,500 | 3,372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 2,876 |
| Cost of funding earning assets | 0.2679% | 4,390 |
| Net interest margin | 3.8259% | 2,225 |
| Noninterest income to average assets | 0.3758% | 4,059 |
| Noninterest expense to average assets | 3.0966% | 2,050 |
| Loan and lease loss provision to assets | -0.3551% | 5,856 |
| Net operating income to assets | 1.1739% | 1,591 |
| Return on assets (ROA) | 1.3042% | 1,271 |
| Pretax return on assets | 1.3262% | 2,191 |
| Return on Equity (ROE) | 12.3342% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.3342% | 198 |
| Net charge-offs to loans | -0.0273% | 5,207 |
| Credit loss provision to net charge-offs | 1,964.2857% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3548% | 1,795 |
| Assets per employee ($millions) | 4.7598% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4429% | 336 |
| Loan loss allowance to noncurrent loans | 111.0005% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 777 |
| Noncurrent loans to loans | 2.2008% | 777 |
| Net loans and leases to total assets | 62.3413% | 3,565 |
| Net loans and leases to deposits | 75.6382% | 3,359 |
| Net loans and leases to core deposits | 76.3179% | 3,721 |
| Total domestic deposits to total assets | 82.4204% | 3,958 |
| Equity capital to assets | 9.7553% | 4,005 |
| Core capital (leverage) ratio | 9.9946% | 3,485 |
| Tier 1 risk-based capital ratio | 14.9677% | 2,976 |
| Total risk-based capital ratio | 16.2322% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,880,400 | 3,447 |
| Average earning assets | $144,071,400 | 3,445 |
| Average equity | $16,377,200 | 3,642 |
| Average total loans | $102,642,200 | 3,339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,774 |
| Cost of funding earning assets | 0.2660% | 4,430 |
| Net interest margin | 3.8612% | 2,111 |
| Noninterest income to average assets | 0.3810% | 4,061 |
| Noninterest expense to average assets | 2.9684% | 2,403 |
| Loan and lease loss provision to assets | -0.6695% | 5,955 |
| Net operating income to assets | 1.6437% | 668 |
| Return on assets (ROA) | 1.6915% | 640 |
| Pretax return on assets | 1.7166% | 1,069 |
| Return on Equity (ROE) | 15.6880% | 582 |
| Retained earnings to average equity (ytd only) | 15.6880% | 114 |
| Net charge-offs to loans | -0.0207% | 5,013 |
| Credit loss provision to net charge-offs | 4,843.7500% | 111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2143% | 2,403 |
| Assets per employee ($millions) | 4.5176% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1937% | 528 |
| Loan loss allowance to noncurrent loans | 98.6637% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.2218% | 655 |
| Noncurrent loans to loans | 2.2234% | 839 |
| Net loans and leases to total assets | 62.4577% | 3,597 |
| Net loans and leases to deposits | 77.6022% | 3,230 |
| Net loans and leases to core deposits | 78.6347% | 3,597 |
| Total domestic deposits to total assets | 80.4845% | 4,396 |
| Equity capital to assets | 11.0521% | 2,954 |
| Core capital (leverage) ratio | 10.1537% | 3,377 |
| Tier 1 risk-based capital ratio | 14.6702% | 3,205 |
| Total risk-based capital ratio | 15.9312% | 3,140 |
| Memoranda: | ||
| Average total assets | $154,332,000 | 3,474 |
| Average earning assets | $143,337,250 | 3,471 |
| Average equity | $16,640,750 | 3,632 |
| Average total loans | $103,209,250 | 3,337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 2,341 |
| Cost of funding earning assets | 0.2733% | 4,409 |
| Net interest margin | 3.9748% | 1,725 |
| Noninterest income to average assets | 0.3515% | 4,263 |
| Noninterest expense to average assets | 3.0287% | 2,255 |
| Loan and lease loss provision to assets | -1.3066% | 6,047 |
| Net operating income to assets | 2.2873% | 201 |
| Return on assets (ROA) | 2.3597% | 193 |
| Pretax return on assets | 2.3897% | 259 |
| Return on Equity (ROE) | 22.0746% | 154 |
| Retained earnings to average equity (ytd only) | 22.0746% | 46 |
| Net charge-offs to loans | -0.0212% | 4,969 |
| Credit loss provision to net charge-offs | 9,090.9091% | 38 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4067% | 2,450 |
| Assets per employee ($millions) | 4.4341% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 959 |
| Loan loss allowance to noncurrent loans | 99.0025% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 716 |
| Noncurrent loans to loans | 1.8785% | 1,083 |
| Net loans and leases to total assets | 69.4813% | 2,557 |
| Net loans and leases to deposits | 80.9574% | 2,821 |
| Net loans and leases to core deposits | 82.0153% | 3,269 |
| Total domestic deposits to total assets | 85.8245% | 2,506 |
| Equity capital to assets | 11.5754% | 2,471 |
| Core capital (leverage) ratio | 10.0499% | 3,513 |
| Tier 1 risk-based capital ratio | 13.7119% | 3,764 |
| Total risk-based capital ratio | 14.9687% | 3,688 |
| Memoranda: | ||
| Average total assets | $153,071,000 | 3,509 |
| Average earning assets | $141,993,330 | 3,510 |
| Average equity | $16,362,670 | 3,686 |
| Average total loans | $103,955,670 | 3,342 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,472 |
| Cost of funding earning assets | 0.2798% | 4,392 |
| Net interest margin | 3.9202% | 1,882 |
| Noninterest income to average assets | 0.3813% | 3,979 |
| Noninterest expense to average assets | 3.1097% | 2,074 |
| Loan and lease loss provision to assets | -2.5936% | 6,117 |
| Net operating income to assets | 3.4551% | 73 |
| Return on assets (ROA) | 3.4988% | 67 |
| Pretax return on assets | 3.5428% | 91 |
| Return on Equity (ROE) | 34.1120% | 34 |
| Retained earnings to average equity (ytd only) | 34.1120% | 18 |
| Net charge-offs to loans | -0.0273% | 5,021 |
| Credit loss provision to net charge-offs | 14,285.7143% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8398% | 2,194 |
| Assets per employee ($millions) | 4.2120% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 977 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 1,199 |
| Noncurrent loans to loans | 1.1374% | 2,125 |
| Net loans and leases to total assets | 67.5790% | 2,718 |
| Net loans and leases to deposits | 79.0179% | 2,894 |
| Net loans and leases to core deposits | 79.8909% | 3,332 |
| Total domestic deposits to total assets | 85.5236% | 2,907 |
| Equity capital to assets | 11.0906% | 2,837 |
| Core capital (leverage) ratio | 9.5290% | 4,135 |
| Tier 1 risk-based capital ratio | 13.4582% | 4,002 |
| Total risk-based capital ratio | 14.7148% | 3,926 |
| Memoranda: | ||
| Average total assets | $154,226,500 | 3,513 |
| Average earning assets | $142,951,000 | 3,511 |
| Average equity | $15,818,500 | 3,757 |
| Average total loans | $102,566,000 | 3,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,126 |
| Cost of funding earning assets | 0.2931% | 4,330 |
| Net interest margin | 3.7550% | 2,537 |
| Noninterest income to average assets | 0.4767% | 3,485 |
| Noninterest expense to average assets | 3.3228% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6039% | 4,252 |
| Return on assets (ROA) | 0.6339% | 4,208 |
| Pretax return on assets | 0.6553% | 4,659 |
| Return on Equity (ROE) | 6.9058% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9058% | 1,320 |
| Net charge-offs to loans | 0.0853% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.3678% | 2,588 |
| Efficiency ratio | 82.6136% | 1,320 |
| Assets per employee ($millions) | 3.9205% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9539% | 231 |
| Loan loss allowance to noncurrent loans | 295.9204% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4705% | 1,391 |
| Noncurrent loans to loans | 0.9982% | 2,340 |
| Net loans and leases to total assets | 62.3046% | 3,513 |
| Net loans and leases to deposits | 72.4199% | 3,673 |
| Net loans and leases to core deposits | 73.7365% | 3,962 |
| Total domestic deposits to total assets | 86.0324% | 2,625 |
| Equity capital to assets | 9.4503% | 4,611 |
| Core capital (leverage) ratio | 8.5086% | 5,419 |
| Tier 1 risk-based capital ratio | 12.5528% | 4,597 |
| Total risk-based capital ratio | 13.8218% | 4,479 |
| Memoranda: | ||
| Average total assets | $158,390,200 | 3,452 |
| Average earning assets | $146,390,800 | 3,452 |
| Average equity | $14,538,600 | 3,900 |
| Average total loans | $102,002,400 | 3,352 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,240 |
| Cost of funding earning assets | 0.2944% | 4,401 |
| Net interest margin | 3.7304% | 2,644 |
| Noninterest income to average assets | 0.4744% | 3,541 |
| Noninterest expense to average assets | 3.2664% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6303% | 4,240 |
| Return on assets (ROA) | 0.6625% | 4,177 |
| Pretax return on assets | 0.6886% | 4,717 |
| Return on Equity (ROE) | 7.2709% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.2709% | 1,559 |
| Net charge-offs to loans | 0.0990% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.2632% | 2,611 |
| Efficiency ratio | 81.7131% | 1,436 |
| Assets per employee ($millions) | 3.8139% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9357% | 266 |
| Loan loss allowance to noncurrent loans | 270.5349% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 1.7497% | 1,237 |
| Noncurrent loans to loans | 1.0851% | 2,315 |
| Net loans and leases to total assets | 63.0956% | 3,438 |
| Net loans and leases to deposits | 73.4491% | 3,601 |
| Net loans and leases to core deposits | 74.7949% | 3,929 |
| Total domestic deposits to total assets | 85.9039% | 2,582 |
| Equity capital to assets | 9.5946% | 4,643 |
| Core capital (leverage) ratio | 8.3136% | 5,709 |
| Tier 1 risk-based capital ratio | 12.4096% | 4,821 |
| Total risk-based capital ratio | 13.6790% | 4,717 |
| Memoranda: | ||
| Average total assets | $158,782,750 | 3,479 |
| Average earning assets | $146,719,500 | 3,480 |
| Average equity | $14,468,250 | 3,952 |
| Average total loans | $102,333,000 | 3,381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,260 |
| Cost of funding earning assets | 0.2958% | 4,439 |
| Net interest margin | 3.7113% | 2,664 |
| Noninterest income to average assets | 0.5063% | 3,332 |
| Noninterest expense to average assets | 3.1920% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7088% | 3,847 |
| Return on assets (ROA) | 0.7269% | 3,878 |
| Pretax return on assets | 0.7607% | 4,452 |
| Return on Equity (ROE) | 8.1176% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.1176% | 1,216 |
| Net charge-offs to loans | -0.0780% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5795% | 1,817 |
| Assets per employee ($millions) | 3.6205% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0433% | 260 |
| Loan loss allowance to noncurrent loans | 220.7977% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.7709% | 1,315 |
| Noncurrent loans to loans | 1.3783% | 1,965 |
| Net loans and leases to total assets | 61.9975% | 3,549 |
| Net loans and leases to deposits | 71.7304% | 3,743 |
| Net loans and leases to core deposits | 73.1484% | 4,028 |
| Total domestic deposits to total assets | 86.4313% | 2,472 |
| Equity capital to assets | 9.0621% | 5,177 |
| Core capital (leverage) ratio | 8.1192% | 5,856 |
| Tier 1 risk-based capital ratio | 11.9467% | 5,184 |
| Total risk-based capital ratio | 13.2171% | 5,075 |
| Memoranda: | ||
| Average total assets | $159,587,330 | 3,492 |
| Average earning assets | $147,386,000 | 3,497 |
| Average equity | $14,290,000 | 4,002 |
| Average total loans | $102,562,000 | 3,389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 3,612 |
| Cost of funding earning assets | 0.3009% | 4,433 |
| Net interest margin | 3.6000% | 3,005 |
| Noninterest income to average assets | 0.6686% | 2,313 |
| Noninterest expense to average assets | 3.2054% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7538% | 3,514 |
| Return on assets (ROA) | 0.7538% | 3,655 |
| Pretax return on assets | 0.7888% | 4,282 |
| Return on Equity (ROE) | 8.4687% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4687% | 1,388 |
| Net charge-offs to loans | -0.0466% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6834% | 2,086 |
| Assets per employee ($millions) | 3.6126% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9597% | 310 |
| Loan loss allowance to noncurrent loans | 188.8752% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9251% | 1,257 |
| Noncurrent loans to loans | 1.5670% | 1,785 |
| Net loans and leases to total assets | 63.3863% | 3,181 |
| Net loans and leases to deposits | 73.3623% | 3,386 |
| Net loans and leases to core deposits | 74.9542% | 3,691 |
| Total domestic deposits to total assets | 86.4017% | 2,710 |
| Equity capital to assets | 9.1341% | 5,154 |
| Core capital (leverage) ratio | 7.9282% | 5,982 |
| Tier 1 risk-based capital ratio | 11.5336% | 5,537 |
| Total risk-based capital ratio | 12.8022% | 5,440 |
| Memoranda: | ||
| Average total assets | $159,731,000 | 3,510 |
| Average earning assets | $147,555,500 | 3,509 |
| Average equity | $14,217,000 | 4,041 |
| Average total loans | $102,912,000 | 3,398 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 4,241 |
| Cost of funding earning assets | 0.3230% | 4,553 |
| Net interest margin | 3.5486% | 3,605 |
| Noninterest income to average assets | 0.2758% | 5,144 |
| Noninterest expense to average assets | 3.2716% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2454% | 5,671 |
| Return on assets (ROA) | 0.2504% | 5,716 |
| Pretax return on assets | 0.2504% | 5,787 |
| Return on Equity (ROE) | 2.9733% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.9733% | 4,127 |
| Net charge-offs to loans | 0.3087% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.3113% | 4,449 |
| Efficiency ratio | 91.2952% | 760 |
| Assets per employee ($millions) | 3.6479% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0011% | 299 |
| Loan loss allowance to noncurrent loans | 309.1919% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 1,732 |
| Noncurrent loans to loans | 0.9706% | 2,895 |
| Net loans and leases to total assets | 61.6387% | 3,551 |
| Net loans and leases to deposits | 69.8985% | 3,925 |
| Net loans and leases to core deposits | 71.1916% | 4,202 |
| Total domestic deposits to total assets | 88.1831% | 1,669 |
| Equity capital to assets | 8.6693% | 5,596 |
| Core capital (leverage) ratio | 7.6624% | 6,145 |
| Tier 1 risk-based capital ratio | 11.9177% | 5,418 |
| Total risk-based capital ratio | 13.1897% | 5,306 |
| Memoranda: | ||
| Average total assets | $161,360,200 | 3,471 |
| Average earning assets | $147,380,600 | 3,488 |
| Average equity | $13,587,400 | 4,093 |
| Average total loans | $97,815,200 | 3,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,318 |
| Cost of funding earning assets | 0.3269% | 4,596 |
| Net interest margin | 3.5356% | 3,694 |
| Noninterest income to average assets | 0.3136% | 4,933 |
| Noninterest expense to average assets | 3.2224% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3127% | 5,544 |
| Return on assets (ROA) | 0.3185% | 5,608 |
| Pretax return on assets | 0.3185% | 5,745 |
| Return on Equity (ROE) | 3.8107% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,943 |
| Net charge-offs to loans | 0.4326% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.2070% | 4,205 |
| Efficiency ratio | 89.4258% | 884 |
| Assets per employee ($millions) | 3.2883% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0236% | 353 |
| Loan loss allowance to noncurrent loans | 717.4118% | 737 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 2,394 |
| Noncurrent loans to loans | 0.4215% | 4,643 |
| Net loans and leases to total assets | 61.9551% | 3,489 |
| Net loans and leases to deposits | 71.8685% | 3,695 |
| Net loans and leases to core deposits | 73.3972% | 4,010 |
| Total domestic deposits to total assets | 86.2063% | 2,752 |
| Equity capital to assets | 8.7202% | 5,627 |
| Core capital (leverage) ratio | 7.5627% | 6,254 |
| Tier 1 risk-based capital ratio | 11.6297% | 5,715 |
| Total risk-based capital ratio | 12.9013% | 5,621 |
| Memoranda: | ||
| Average total assets | $161,573,250 | 3,501 |
| Average earning assets | $147,222,250 | 3,519 |
| Average equity | $13,505,500 | 4,129 |
| Average total loans | $96,770,000 | 3,514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,662 |
| Cost of funding earning assets | 0.3264% | 4,681 |
| Net interest margin | 3.4312% | 4,055 |
| Noninterest income to average assets | 0.2137% | 5,672 |
| Noninterest expense to average assets | 3.1581% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1806% | 5,889 |
| Return on assets (ROA) | 0.1965% | 5,902 |
| Pretax return on assets | 0.1965% | 5,952 |
| Return on Equity (ROE) | 2.3846% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.3846% | 4,691 |
| Net charge-offs to loans | 0.5722% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.5385% | 4,025 |
| Efficiency ratio | 92.7888% | 716 |
| Assets per employee ($millions) | 3.4610% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1851% | 310 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 2,717 |
| Noncurrent loans to loans | 0.3185% | 5,057 |
| Net loans and leases to total assets | 57.7400% | 4,021 |
| Net loans and leases to deposits | 67.9162% | 4,065 |
| Net loans and leases to core deposits | 69.2068% | 4,346 |
| Total domestic deposits to total assets | 85.0166% | 3,500 |
| Equity capital to assets | 8.4326% | 5,855 |
| Core capital (leverage) ratio | 7.4315% | 6,333 |
| Tier 1 risk-based capital ratio | 11.6534% | 5,718 |
| Total risk-based capital ratio | 12.9254% | 5,652 |
| Memoranda: | ||
| Average total assets | $162,817,670 | 3,497 |
| Average earning assets | $148,284,670 | 3,515 |
| Average equity | $13,419,330 | 4,151 |
| Average total loans | $95,413,670 | 3,557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,744 |
| Cost of funding earning assets | 0.3333% | 4,711 |
| Net interest margin | 3.3977% | 4,124 |
| Noninterest income to average assets | 0.1277% | 6,209 |
| Noninterest expense to average assets | 3.1579% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0491% | 6,131 |
| Return on assets (ROA) | 0.0810% | 6,093 |
| Pretax return on assets | 0.0810% | 6,106 |
| Return on Equity (ROE) | 0.9947% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.9947% | 5,200 |
| Net charge-offs to loans | 0.8667% | 404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.0976% | 3,417 |
| Efficiency ratio | 96.5544% | 612 |
| Assets per employee ($millions) | 3.4156% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3168% | 314 |
| Loan loss allowance to noncurrent loans | 896.8750% | 567 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 2,985 |
| Noncurrent loans to loans | 0.3698% | 5,018 |
| Net loans and leases to total assets | 57.3248% | 3,948 |
| Net loans and leases to deposits | 66.5914% | 4,012 |
| Net loans and leases to core deposits | 67.8553% | 4,329 |
| Total domestic deposits to total assets | 86.0843% | 3,321 |
| Equity capital to assets | 8.3367% | 5,794 |
| Core capital (leverage) ratio | 7.2262% | 6,417 |
| Tier 1 risk-based capital ratio | 11.8799% | 5,718 |
| Total risk-based capital ratio | 13.1472% | 5,630 |
| Memoranda: | ||
| Average total assets | $162,893,000 | 3,517 |
| Average earning assets | $147,631,000 | 3,552 |
| Average equity | $13,270,500 | 4,187 |
| Average total loans | $94,613,500 | 3,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 5,413 |
| Cost of funding earning assets | 0.3738% | 4,907 |
| Net interest margin | 3.2221% | 4,923 |
| Noninterest income to average assets | 0.5297% | 3,554 |
| Noninterest expense to average assets | 3.2599% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2155% | 5,785 |
| Return on assets (ROA) | 0.1855% | 5,930 |
| Pretax return on assets | 0.1855% | 5,968 |
| Return on Equity (ROE) | 2.3613% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.3613% | 4,561 |
| Net charge-offs to loans | 0.2582% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.4343% | 4,576 |
| Efficiency ratio | 92.1130% | 870 |
| Assets per employee ($millions) | 3.3726% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5759% | 271 |
| Loan loss allowance to noncurrent loans | 626.2570% | 780 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 2,887 |
| Noncurrent loans to loans | 0.5710% | 4,561 |
| Net loans and leases to total assets | 54.8746% | 4,480 |
| Net loans and leases to deposits | 63.6470% | 4,539 |
| Net loans and leases to core deposits | 64.8060% | 4,796 |
| Total domestic deposits to total assets | 86.2171% | 3,155 |
| Equity capital to assets | 7.9622% | 6,048 |
| Core capital (leverage) ratio | 7.1300% | 6,492 |
| Tier 1 risk-based capital ratio | 11.1907% | 6,079 |
| Total risk-based capital ratio | 12.4593% | 6,017 |
| Memoranda: | ||
| Average total assets | $167,088,600 | 3,459 |
| Average earning assets | $152,757,200 | 3,457 |
| Average equity | $13,128,200 | 4,239 |
| Average total loans | $97,192,800 | 3,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 5,689 |
| Cost of funding earning assets | 0.3820% | 4,980 |
| Net interest margin | 3.1167% | 5,274 |
| Noninterest income to average assets | 0.5777% | 3,283 |
| Noninterest expense to average assets | 3.2579% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1830% | 5,955 |
| Return on assets (ROA) | 0.1798% | 6,031 |
| Pretax return on assets | 0.1798% | 6,070 |
| Return on Equity (ROE) | 2.2966% | 5,852 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,951 |
| Net charge-offs to loans | 0.3729% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.8394% | 4,575 |
| Efficiency ratio | 92.9695% | 793 |
| Assets per employee ($millions) | 3.3332% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4159% | 364 |
| Loan loss allowance to noncurrent loans | 210.7256% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 2.0897% | 1,912 |
| Noncurrent loans to loans | 1.6210% | 2,746 |
| Net loans and leases to total assets | 57.8211% | 4,042 |
| Net loans and leases to deposits | 66.9887% | 4,183 |
| Net loans and leases to core deposits | 68.2193% | 4,507 |
| Total domestic deposits to total assets | 86.3147% | 3,067 |
| Equity capital to assets | 8.0641% | 6,109 |
| Core capital (leverage) ratio | 6.9910% | 6,589 |
| Tier 1 risk-based capital ratio | 11.1853% | 6,198 |
| Total risk-based capital ratio | 12.4509% | 6,154 |
| Memoranda: | ||
| Average total assets | $167,547,000 | 3,487 |
| Average earning assets | $153,917,500 | 3,469 |
| Average equity | $13,120,750 | 4,288 |
| Average total loans | $97,979,500 | 3,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 5,889 |
| Cost of funding earning assets | 0.3922% | 5,010 |
| Net interest margin | 3.0143% | 5,537 |
| Noninterest income to average assets | 0.6025% | 3,175 |
| Noninterest expense to average assets | 3.1784% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1989% | 5,892 |
| Return on assets (ROA) | 0.1989% | 6,019 |
| Pretax return on assets | 0.1989% | 6,084 |
| Return on Equity (ROE) | 2.5641% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,672 |
| Net charge-offs to loans | 0.4059% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8442% | 4,246 |
| Efficiency ratio | 92.3940% | 870 |
| Assets per employee ($millions) | 3.3539% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3475% | 418 |
| Loan loss allowance to noncurrent loans | 145.8155% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 2.5204% | 1,678 |
| Noncurrent loans to loans | 2.2957% | 2,062 |
| Net loans and leases to total assets | 59.9981% | 3,658 |
| Net loans and leases to deposits | 70.0791% | 3,704 |
| Net loans and leases to core deposits | 71.3737% | 4,124 |
| Total domestic deposits to total assets | 85.6148% | 3,572 |
| Equity capital to assets | 7.9401% | 6,238 |
| Core capital (leverage) ratio | 6.8589% | 6,646 |
| Tier 1 risk-based capital ratio | 11.0013% | 6,333 |
| Total risk-based capital ratio | 12.2767% | 6,299 |
| Memoranda: | ||
| Average total assets | $168,953,330 | 3,482 |
| Average earning assets | $155,524,670 | 3,471 |
| Average equity | $13,104,000 | 4,325 |
| Average total loans | $98,046,670 | 3,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 6,228 |
| Cost of funding earning assets | 0.4009% | 5,094 |
| Net interest margin | 2.8567% | 5,896 |
| Noninterest income to average assets | 0.6306% | 2,976 |
| Noninterest expense to average assets | 3.1111% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1495% | 6,043 |
| Return on assets (ROA) | 0.1495% | 6,137 |
| Pretax return on assets | 0.1495% | 6,173 |
| Return on Equity (ROE) | 1.9495% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.9495% | 5,028 |
| Net charge-offs to loans | 0.3789% | 1,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.7033% | 3,595 |
| Efficiency ratio | 93.6246% | 859 |
| Assets per employee ($millions) | 3.4452% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6951% | 362 |
| Loan loss allowance to noncurrent loans | 136.9751% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 2.3547% | 1,975 |
| Noncurrent loans to loans | 2.6977% | 1,899 |
| Net loans and leases to total assets | 54.3910% | 4,347 |
| Net loans and leases to deposits | 63.6099% | 4,366 |
| Net loans and leases to core deposits | 64.7516% | 4,671 |
| Total domestic deposits to total assets | 85.5070% | 3,791 |
| Equity capital to assets | 7.7932% | 6,473 |
| Core capital (leverage) ratio | 6.6161% | 6,727 |
| Tier 1 risk-based capital ratio | 11.2420% | 6,289 |
| Total risk-based capital ratio | 12.4928% | 6,268 |
| Memoranda: | ||
| Average total assets | $171,259,000 | 3,476 |
| Average earning assets | $157,664,500 | 3,477 |
| Average equity | $13,131,500 | 4,359 |
| Average total loans | $96,061,500 | 3,612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 4,936 |
| Cost of funding earning assets | 0.5377% | 4,932 |
| Net interest margin | 3.5662% | 4,243 |
| Noninterest income to average assets | 0.5548% | 3,544 |
| Noninterest expense to average assets | 3.0876% | 2,965 |
| Loan and lease loss provision to assets | 0.7022% | 731 |
| Net operating income to assets | 0.0509% | 6,087 |
| Return on assets (ROA) | 0.0509% | 6,228 |
| Pretax return on assets | 0.0515% | 6,219 |
| Return on Equity (ROE) | 0.6445% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.6445% | 5,540 |
| Net charge-offs to loans | 3.1538% | 146 |
| Credit loss provision to net charge-offs | 33.2027% | 5,059 |
| Earnings coverage of net charge-offs (x) | 0.3564% | 5,300 |
| Efficiency ratio | 78.8687% | 2,295 |
| Assets per employee ($millions) | 3.7762% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7342% | 344 |
| Loan loss allowance to noncurrent loans | 116.5055% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.3431% | 2,096 |
| Noncurrent loans to loans | 3.2052% | 1,614 |
| Net loans and leases to total assets | 53.6352% | 4,668 |
| Net loans and leases to deposits | 62.6691% | 4,702 |
| Net loans and leases to core deposits | 63.9984% | 4,954 |
| Total domestic deposits to total assets | 85.5848% | 3,570 |
| Equity capital to assets | 7.5456% | 6,612 |
| Core capital (leverage) ratio | 6.6203% | 6,773 |
| Tier 1 risk-based capital ratio | 11.5673% | 6,049 |
| Total risk-based capital ratio | 12.7900% | 6,038 |
| Memoranda: | ||
| Average total assets | $168,899,200 | 3,476 |
| Average earning assets | $155,657,000 | 3,454 |
| Average equity | $13,344,600 | 4,284 |
| Average total loans | $113,259,400 | 3,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 4,191 |
| Cost of funding earning assets | 0.5724% | 4,893 |
| Net interest margin | 3.7915% | 3,372 |
| Noninterest income to average assets | 0.8960% | 1,840 |
| Noninterest expense to average assets | 3.0491% | 3,062 |
| Loan and lease loss provision to assets | 0.9429% | 452 |
| Net operating income to assets | 0.4055% | 5,224 |
| Return on assets (ROA) | 0.4055% | 5,452 |
| Pretax return on assets | 0.4063% | 5,704 |
| Return on Equity (ROE) | 5.0730% | 4,789 |
| Retained earnings to average equity (ytd only) | 5.0730% | 3,317 |
| Net charge-offs to loans | 3.7246% | 106 |
| Credit loss provision to net charge-offs | 36.1696% | 4,699 |
| Earnings coverage of net charge-offs (x) | 0.5175% | 5,059 |
| Efficiency ratio | 67.9863% | 4,069 |
| Assets per employee ($millions) | 3.6583% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7256% | 383 |
| Loan loss allowance to noncurrent loans | 87.8965% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 1,745 |
| Noncurrent loans to loans | 4.2386% | 1,156 |
| Net loans and leases to total assets | 59.9957% | 3,786 |
| Net loans and leases to deposits | 70.4742% | 3,833 |
| Net loans and leases to core deposits | 72.2044% | 4,225 |
| Total domestic deposits to total assets | 85.1315% | 3,692 |
| Equity capital to assets | 8.0751% | 6,560 |
| Core capital (leverage) ratio | 6.9312% | 6,811 |
| Tier 1 risk-based capital ratio | 11.3371% | 6,334 |
| Total risk-based capital ratio | 12.6191% | 6,279 |
| Memoranda: | ||
| Average total assets | $167,697,750 | 3,529 |
| Average earning assets | $154,905,500 | 3,501 |
| Average equity | $13,404,000 | 4,315 |
| Average total loans | $117,379,000 | 3,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 4,092 |
| Cost of funding earning assets | 0.6140% | 4,774 |
| Net interest margin | 3.8096% | 3,316 |
| Noninterest income to average assets | 1.1797% | 1,027 |
| Noninterest expense to average assets | 3.2620% | 2,409 |
| Loan and lease loss provision to assets | 1.1785% | 356 |
| Net operating income to assets | 0.2507% | 5,763 |
| Return on assets (ROA) | 0.2507% | 5,951 |
| Pretax return on assets | 0.2507% | 6,057 |
| Return on Equity (ROE) | 3.1479% | 5,630 |
| Retained earnings to average equity (ytd only) | 3.1479% | 4,530 |
| Net charge-offs to loans | 2.2115% | 352 |
| Credit loss provision to net charge-offs | 73.4375% | 3,491 |
| Earnings coverage of net charge-offs (x) | 0.8906% | 4,600 |
| Efficiency ratio | 68.2871% | 4,068 |
| Assets per employee ($millions) | 3.4490% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8393% | 186 |
| Loan loss allowance to noncurrent loans | 81.6643% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 4.5883% | 1,066 |
| Noncurrent loans to loans | 5.9258% | 752 |
| Net loans and leases to total assets | 67.0277% | 2,457 |
| Net loans and leases to deposits | 77.2500% | 2,793 |
| Net loans and leases to core deposits | 79.4434% | 3,298 |
| Total domestic deposits to total assets | 86.7672% | 2,916 |
| Equity capital to assets | 8.0169% | 6,556 |
| Core capital (leverage) ratio | 6.8385% | 6,858 |
| Tier 1 risk-based capital ratio | 9.9444% | 6,840 |
| Total risk-based capital ratio | 11.2444% | 6,810 |
| Memoranda: | ||
| Average total assets | $167,503,000 | 3,542 |
| Average earning assets | $154,401,330 | 3,528 |
| Average equity | $13,342,330 | 4,329 |
| Average total loans | $121,549,000 | 3,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 3,862 |
| Cost of funding earning assets | 0.6508% | 4,729 |
| Net interest margin | 3.8610% | 3,091 |
| Noninterest income to average assets | 2.3671% | 323 |
| Noninterest expense to average assets | 3.2859% | 2,332 |
| Loan and lease loss provision to assets | 1.2464% | 298 |
| Net operating income to assets | 1.3841% | 1,250 |
| Return on assets (ROA) | 1.3841% | 1,397 |
| Pretax return on assets | 1.3841% | 2,235 |
| Return on Equity (ROE) | 17.4323% | 611 |
| Retained earnings to average equity (ytd only) | 17.4323% | 287 |
| Net charge-offs to loans | 1.7449% | 549 |
| Credit loss provision to net charge-offs | 97.0425% | 2,424 |
| Earnings coverage of net charge-offs (x) | 2.0481% | 3,329 |
| Efficiency ratio | 54.5345% | 6,292 |
| Assets per employee ($millions) | 3.6272% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9860% | 178 |
| Loan loss allowance to noncurrent loans | 74.3631% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 5.2424% | 974 |
| Noncurrent loans to loans | 6.7049% | 700 |
| Net loans and leases to total assets | 68.3446% | 2,052 |
| Net loans and leases to deposits | 78.0962% | 2,487 |
| Net loans and leases to core deposits | 80.6081% | 2,993 |
| Total domestic deposits to total assets | 87.5133% | 2,643 |
| Equity capital to assets | 8.1840% | 6,372 |
| Core capital (leverage) ratio | 6.8234% | 6,899 |
| Tier 1 risk-based capital ratio | 9.9368% | 6,892 |
| Total risk-based capital ratio | 11.2385% | 6,878 |
| Memoranda: | ||
| Average total assets | $168,479,000 | 3,543 |
| Average earning assets | $154,884,000 | 3,536 |
| Average equity | $13,377,500 | 4,333 |
| Average total loans | $124,019,500 | 3,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 3,622 |
| Cost of funding earning assets | 0.8756% | 4,288 |
| Net interest margin | 3.9651% | 3,042 |
| Noninterest income to average assets | 0.4343% | 4,338 |
| Noninterest expense to average assets | 4.5736% | 545 |
| Loan and lease loss provision to assets | 2.8375% | 136 |
| Net operating income to assets | -3.3637% | 7,214 |
| Return on assets (ROA) | -3.3244% | 7,218 |
| Pretax return on assets | -3.3203% | 7,219 |
| Return on Equity (ROE) | -35.2075% | 7,132 |
| Retained earnings to average equity (ytd only) | -35.2075% | 7,125 |
| Net charge-offs to loans | 2.5502% | 451 |
| Credit loss provision to net charge-offs | 141.7893% | 2,055 |
| Earnings coverage of net charge-offs (x) | -0.2609% | 5,989 |
| Efficiency ratio | 88.3393% | 1,333 |
| Assets per employee ($millions) | 3.6193% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6867% | 218 |
| Loan loss allowance to noncurrent loans | 48.5241% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 7.3783% | 603 |
| Noncurrent loans to loans | 9.6585% | 344 |
| Net loans and leases to total assets | 71.7321% | 1,689 |
| Net loans and leases to deposits | 82.3149% | 2,159 |
| Net loans and leases to core deposits | 84.5637% | 2,809 |
| Total domestic deposits to total assets | 87.1435% | 2,675 |
| Equity capital to assets | 7.7010% | 6,725 |
| Core capital (leverage) ratio | 6.4462% | 6,991 |
| Tier 1 risk-based capital ratio | 8.7000% | 7,063 |
| Total risk-based capital ratio | 9.9962% | 7,058 |
| Memoranda: | ||
| Average total assets | $173,145,200 | 3,441 |
| Average earning assets | $157,953,600 | 3,440 |
| Average equity | $16,348,800 | 3,673 |
| Average total loans | $135,873,200 | 2,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 3,621 |
| Cost of funding earning assets | 0.9053% | 4,361 |
| Net interest margin | 3.9820% | 2,996 |
| Noninterest income to average assets | 0.4799% | 4,042 |
| Noninterest expense to average assets | 3.6993% | 1,501 |
| Loan and lease loss provision to assets | 2.9448% | 116 |
| Net operating income to assets | -2.5324% | 7,212 |
| Return on assets (ROA) | -2.4802% | 7,218 |
| Pretax return on assets | -2.4802% | 7,205 |
| Return on Equity (ROE) | -25.1339% | 7,168 |
| Retained earnings to average equity (ytd only) | -25.1339% | 7,158 |
| Net charge-offs to loans | 2.4018% | 467 |
| Credit loss provision to net charge-offs | 154.6919% | 2,007 |
| Earnings coverage of net charge-offs (x) | 0.2167% | 5,435 |
| Efficiency ratio | 88.5885% | 1,284 |
| Assets per employee ($millions) | 3.7756% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3412% | 301 |
| Loan loss allowance to noncurrent loans | 42.1631% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 8.2756% | 522 |
| Noncurrent loans to loans | 10.2963% | 338 |
| Net loans and leases to total assets | 74.9809% | 1,144 |
| Net loans and leases to deposits | 87.3320% | 1,515 |
| Net loans and leases to core deposits | 89.8513% | 2,271 |
| Total domestic deposits to total assets | 85.8572% | 3,299 |
| Equity capital to assets | 9.0166% | 5,738 |
| Core capital (leverage) ratio | 6.9055% | 6,986 |
| Tier 1 risk-based capital ratio | 8.8371% | 7,130 |
| Total risk-based capital ratio | 10.1313% | 7,126 |
| Memoranda: | ||
| Average total assets | $173,904,500 | 3,447 |
| Average earning assets | $158,609,500 | 3,457 |
| Average equity | $17,161,000 | 3,557 |
| Average total loans | $137,836,000 | 2,860 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 3,660 |
| Cost of funding earning assets | 0.9514% | 4,312 |
| Net interest margin | 3.9405% | 3,121 |
| Noninterest income to average assets | 0.4288% | 4,434 |
| Noninterest expense to average assets | 4.0533% | 970 |
| Loan and lease loss provision to assets | 4.4155% | 60 |
| Net operating income to assets | -4.4580% | 7,421 |
| Return on assets (ROA) | -4.4580% | 7,424 |
| Pretax return on assets | -4.4499% | 7,415 |
| Return on Equity (ROE) | -43.9152% | 7,327 |
| Retained earnings to average equity (ytd only) | -43.9152% | 7,324 |
| Net charge-offs to loans | 3.4248% | 265 |
| Credit loss provision to net charge-offs | 162.0675% | 1,870 |
| Earnings coverage of net charge-offs (x) | -0.0127% | 5,294 |
| Efficiency ratio | 99.4565% | 740 |
| Assets per employee ($millions) | 3.7952% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3458% | 321 |
| Loan loss allowance to noncurrent loans | 44.2770% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 8.1647% | 554 |
| Noncurrent loans to loans | 9.8151% | 398 |
| Net loans and leases to total assets | 77.6238% | 826 |
| Net loans and leases to deposits | 90.7702% | 1,185 |
| Net loans and leases to core deposits | 93.1845% | 1,999 |
| Total domestic deposits to total assets | 85.5168% | 3,616 |
| Equity capital to assets | 8.7918% | 5,826 |
| Core capital (leverage) ratio | 6.5394% | 7,118 |
| Tier 1 risk-based capital ratio | 8.2251% | 7,234 |
| Total risk-based capital ratio | 9.5192% | 7,233 |
| Memoranda: | ||
| Average total assets | $173,979,670 | 3,468 |
| Average earning assets | $158,509,000 | 3,467 |
| Average equity | $17,661,330 | 3,471 |
| Average total loans | $138,402,670 | 2,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 3,864 |
| Cost of funding earning assets | 1.0086% | 4,143 |
| Net interest margin | 3.8322% | 3,456 |
| Noninterest income to average assets | 0.4602% | 4,185 |
| Noninterest expense to average assets | 3.0505% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8908% | 2,609 |
| Return on assets (ROA) | 0.8908% | 2,672 |
| Pretax return on assets | 0.9067% | 3,469 |
| Return on Equity (ROE) | 8.2383% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.2383% | 1,643 |
| Net charge-offs to loans | 0.0897% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 12.8387% | 1,476 |
| Efficiency ratio | 75.6477% | 3,214 |
| Assets per employee ($millions) | 3.8880% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2491% | 745 |
| Loan loss allowance to noncurrent loans | 46.6131% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 5.7631% | 1,025 |
| Noncurrent loans to loans | 6.9704% | 798 |
| Net loans and leases to total assets | 76.9466% | 879 |
| Net loans and leases to deposits | 89.9834% | 1,233 |
| Net loans and leases to core deposits | 92.6710% | 2,053 |
| Total domestic deposits to total assets | 85.5120% | 3,778 |
| Equity capital to assets | 10.9586% | 2,729 |
| Core capital (leverage) ratio | 8.9001% | 4,774 |
| Tier 1 risk-based capital ratio | 10.7462% | 6,668 |
| Total risk-based capital ratio | 12.0193% | 6,640 |
| Memoranda: | ||
| Average total assets | $175,577,500 | 3,460 |
| Average earning assets | $160,220,500 | 3,462 |
| Average equity | $18,984,500 | 3,260 |
| Average total loans | $138,308,000 | 2,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 4,118 |
| Cost of funding earning assets | 1.3043% | 3,858 |
| Net interest margin | 3.7905% | 3,985 |
| Noninterest income to average assets | 0.6395% | 3,213 |
| Noninterest expense to average assets | 2.6646% | 5,155 |
| Loan and lease loss provision to assets | 2.1582% | 583 |
| Net operating income to assets | -0.7685% | 6,561 |
| Return on assets (ROA) | -0.7685% | 6,584 |
| Pretax return on assets | -0.7685% | 6,501 |
| Return on Equity (ROE) | -6.5080% | 6,526 |
| Retained earnings to average equity (ytd only) | -11.8749% | 6,755 |
| Net charge-offs to loans | 0.4011% | 4,032 |
| Credit loss provision to net charge-offs | 682.3105% | 309 |
| Earnings coverage of net charge-offs (x) | 4.3935% | 2,943 |
| Efficiency ratio | 64.3431% | 5,292 |
| Assets per employee ($millions) | 3.8303% | 4,178 |
| Cash dividends to net income (ytd only)* | -82.4666% | 7,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3113% | 672 |
| Loan loss allowance to noncurrent loans | 58.3291% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 4.6216% | 1,443 |
| Noncurrent loans to loans | 5.6769% | 1,136 |
| Net loans and leases to total assets | 75.4376% | 1,394 |
| Net loans and leases to deposits | 89.2858% | 1,612 |
| Net loans and leases to core deposits | 91.7676% | 2,526 |
| Total domestic deposits to total assets | 84.4900% | 4,114 |
| Equity capital to assets | 10.6677% | 2,999 |
| Core capital (leverage) ratio | 8.5959% | 5,199 |
| Tier 1 risk-based capital ratio | 10.5694% | 6,655 |
| Total risk-based capital ratio | 11.8437% | 6,611 |
| Memoranda: | ||
| Average total assets | $175,145,800 | 3,453 |
| Average earning assets | $157,787,800 | 3,491 |
| Average equity | $20,682,200 | 3,053 |
| Average total loans | $138,131,200 | 2,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 4,611 |
| Cost of funding earning assets | 1.3552% | 3,864 |
| Net interest margin | 3.6887% | 4,464 |
| Noninterest income to average assets | 0.6297% | 3,258 |
| Noninterest expense to average assets | 2.8521% | 4,273 |
| Loan and lease loss provision to assets | 1.6521% | 776 |
| Net operating income to assets | -0.5604% | 6,637 |
| Return on assets (ROA) | -0.5604% | 6,692 |
| Pretax return on assets | -0.5604% | 6,594 |
| Return on Equity (ROE) | -4.6327% | 6,623 |
| Retained earnings to average equity (ytd only) | -10.0531% | 6,885 |
| Net charge-offs to loans | 0.0694% | 5,818 |
| Credit loss provision to net charge-offs | 3,009.7222% | 97 |
| Earnings coverage of net charge-offs (x) | 19.8884% | 1,189 |
| Efficiency ratio | 70.8873% | 3,902 |
| Assets per employee ($millions) | 3.8773% | 4,083 |
| Cash dividends to net income (ytd only)* | -117.0065% | 7,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4621% | 1,388 |
| Loan loss allowance to noncurrent loans | 40.8624% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 5.0975% | 1,256 |
| Noncurrent loans to loans | 6.0253% | 1,032 |
| Net loans and leases to total assets | 77.6747% | 1,094 |
| Net loans and leases to deposits | 93.9613% | 1,204 |
| Net loans and leases to core deposits | 96.3069% | 2,223 |
| Total domestic deposits to total assets | 82.6667% | 4,728 |
| Equity capital to assets | 11.3538% | 2,657 |
| Core capital (leverage) ratio | 9.1619% | 4,441 |
| Tier 1 risk-based capital ratio | 10.9908% | 6,394 |
| Total risk-based capital ratio | 12.2547% | 6,358 |
| Memoranda: | ||
| Average total assets | $174,883,250 | 3,497 |
| Average earning assets | $157,122,750 | 3,548 |
| Average equity | $21,153,750 | 3,028 |
| Average total loans | $138,296,500 | 3,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 2,340 |
| Cost of funding earning assets | 1.4034% | 3,857 |
| Net interest margin | 4.1439% | 2,356 |
| Noninterest income to average assets | 0.5542% | 3,674 |
| Noninterest expense to average assets | 2.8409% | 4,312 |
| Loan and lease loss provision to assets | 0.1371% | 5,520 |
| Net operating income to assets | 1.2947% | 1,322 |
| Return on assets (ROA) | 1.2947% | 1,382 |
| Pretax return on assets | 1.2947% | 2,102 |
| Return on Equity (ROE) | 10.4899% | 1,933 |
| Retained earnings to average equity (ytd only) | 4.1201% | 3,451 |
| Net charge-offs to loans | 0.0695% | 5,445 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 26.1042% | 1,011 |
| Efficiency ratio | 65.1779% | 5,121 |
| Assets per employee ($millions) | 3.9046% | 3,964 |
| Cash dividends to net income (ytd only)* | 60.7237% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,400 |
| Loan loss allowance to noncurrent loans | 43.7833% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.1940% | 3,264 |
| Noncurrent loans to loans | 2.2853% | 3,390 |
| Net loans and leases to total assets | 78.7237% | 1,008 |
| Net loans and leases to deposits | 96.2521% | 1,022 |
| Net loans and leases to core deposits | 99.0292% | 2,119 |
| Total domestic deposits to total assets | 81.7890% | 5,073 |
| Equity capital to assets | 12.4440% | 1,829 |
| Core capital (leverage) ratio | 10.5552% | 2,582 |
| Tier 1 risk-based capital ratio | 12.2220% | 5,101 |
| Total risk-based capital ratio | 13.1772% | 5,351 |
| Memoranda: | ||
| Average total assets | $175,018,000 | 3,517 |
| Average earning assets | $157,048,330 | 3,572 |
| Average equity | $21,601,670 | 2,962 |
| Average total loans | $138,079,670 | 3,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 2,778 |
| Cost of funding earning assets | 1.5077% | 3,503 |
| Net interest margin | 3.9531% | 3,086 |
| Noninterest income to average assets | 0.6206% | 3,139 |
| Noninterest expense to average assets | 2.9564% | 3,830 |
| Loan and lease loss provision to assets | 0.1374% | 5,186 |
| Net operating income to assets | 1.0694% | 1,934 |
| Return on assets (ROA) | 1.0694% | 2,007 |
| Pretax return on assets | 1.0694% | 2,841 |
| Return on Equity (ROE) | 8.7005% | 2,588 |
| Retained earnings to average equity (ytd only) | 4.1733% | 3,644 |
| Net charge-offs to loans | -0.0058% | 6,824 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6370% | 4,387 |
| Assets per employee ($millions) | 3.7813% | 4,353 |
| Cash dividends to net income (ytd only)* | 52.0343% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,455 |
| Loan loss allowance to noncurrent loans | 39.3536% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 2.4284% | 2,989 |
| Noncurrent loans to loans | 2.5472% | 3,127 |
| Net loans and leases to total assets | 78.8079% | 1,007 |
| Net loans and leases to deposits | 96.9167% | 1,008 |
| Net loans and leases to core deposits | 99.9548% | 2,135 |
| Total domestic deposits to total assets | 81.3150% | 5,338 |
| Equity capital to assets | 12.4087% | 1,803 |
| Core capital (leverage) ratio | 10.4402% | 2,682 |
| Tier 1 risk-based capital ratio | 12.1730% | 5,015 |
| Total risk-based capital ratio | 13.1307% | 5,265 |
| Memoranda: | ||
| Average total assets | $174,673,500 | 3,579 |
| Average earning assets | $156,534,500 | 3,636 |
| Average equity | $21,470,000 | 3,006 |
| Average total loans | $137,259,000 | 3,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 2,601 |
| Cost of funding earning assets | 1.7770% | 4,118 |
| Net interest margin | 4.0358% | 2,716 |
| Noninterest income to average assets | 0.8634% | 2,124 |
| Noninterest expense to average assets | 2.8715% | 4,653 |
| Loan and lease loss provision to assets | 0.1406% | 6,235 |
| Net operating income to assets | 1.5008% | 673 |
| Return on assets (ROA) | 1.5008% | 725 |
| Pretax return on assets | 1.5113% | 1,162 |
| Return on Equity (ROE) | 11.8498% | 1,198 |
| Retained earnings to average equity (ytd only) | -2.6410% | 5,639 |
| Net charge-offs to loans | 0.0757% | 6,358 |
| Credit loss provision to net charge-offs | 237.6238% | 1,517 |
| Earnings coverage of net charge-offs (x) | 27.9208% | 816 |
| Efficiency ratio | 62.2119% | 6,119 |
| Assets per employee ($millions) | 3.8132% | 4,257 |
| Cash dividends to net income (ytd only)* | 122.2873% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,512 |
| Loan loss allowance to noncurrent loans | 49.7001% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 3,521 |
| Noncurrent loans to loans | 1.9610% | 3,711 |
| Net loans and leases to total assets | 76.8074% | 1,626 |
| Net loans and leases to deposits | 92.9522% | 1,742 |
| Net loans and leases to core deposits | 110.0479% | 2,889 |
| Total domestic deposits to total assets | 82.6311% | 4,694 |
| Equity capital to assets | 12.1753% | 1,924 |
| Core capital (leverage) ratio | 10.2537% | 2,823 |
| Tier 1 risk-based capital ratio | 12.1966% | 4,776 |
| Total risk-based capital ratio | 13.1265% | 5,016 |
| Memoranda: | ||
| Average total assets | $170,713,200 | 3,601 |
| Average earning assets | $154,814,000 | 3,618 |
| Average equity | $21,620,600 | 2,997 |
| Average total loans | $133,502,200 | 3,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 2,346 |
| Cost of funding earning assets | 1.8229% | 4,269 |
| Net interest margin | 4.0994% | 2,396 |
| Noninterest income to average assets | 1.0113% | 1,562 |
| Noninterest expense to average assets | 2.9381% | 4,282 |
| Loan and lease loss provision to assets | 0.0708% | 6,648 |
| Net operating income to assets | 1.7215% | 536 |
| Return on assets (ROA) | 1.7215% | 567 |
| Pretax return on assets | 1.7270% | 922 |
| Return on Equity (ROE) | 13.4579% | 1,020 |
| Retained earnings to average equity (ytd only) | -4.4143% | 6,175 |
| Net charge-offs to loans | 0.0863% | 5,821 |
| Credit loss provision to net charge-offs | 104.6512% | 4,855 |
| Earnings coverage of net charge-offs (x) | 26.5822% | 1,016 |
| Efficiency ratio | 60.8104% | 6,309 |
| Assets per employee ($millions) | 3.6722% | 4,494 |
| Cash dividends to net income (ytd only)* | 132.8004% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 6,835 |
| Loan loss allowance to noncurrent loans | 74.4375% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 4,252 |
| Noncurrent loans to loans | 1.1858% | 4,963 |
| Net loans and leases to total assets | 77.4853% | 1,669 |
| Net loans and leases to deposits | 95.1377% | 1,693 |
| Net loans and leases to core deposits | 113.5609% | 2,877 |
| Total domestic deposits to total assets | 81.4455% | 4,899 |
| Equity capital to assets | 12.3179% | 2,056 |
| Core capital (leverage) ratio | 10.0931% | 3,184 |
| Tier 1 risk-based capital ratio | 12.1617% | 4,828 |
| Total risk-based capital ratio | 13.0027% | 5,144 |
| Memoranda: | ||
| Average total assets | $169,540,250 | 3,636 |
| Average earning assets | $154,036,000 | 3,652 |
| Average equity | $21,686,750 | 3,013 |
| Average total loans | $132,865,250 | 3,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 2,025 |
| Cost of funding earning assets | 1.8356% | 4,577 |
| Net interest margin | 4.2023% | 1,989 |
| Noninterest income to average assets | 1.2034% | 1,076 |
| Noninterest expense to average assets | 2.9349% | 4,362 |
| Loan and lease loss provision to assets | 0.0712% | 6,484 |
| Net operating income to assets | 2.0152% | 286 |
| Return on assets (ROA) | 2.0152% | 311 |
| Pretax return on assets | 2.0092% | 550 |
| Return on Equity (ROE) | 15.5573% | 752 |
| Retained earnings to average equity (ytd only) | -5.1583% | 6,324 |
| Net charge-offs to loans | 0.0272% | 6,094 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 97.3889% | 391 |
| Efficiency ratio | 57.3592% | 6,953 |
| Assets per employee ($millions) | 3.5893% | 4,600 |
| Cash dividends to net income (ytd only)* | 133.1567% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,754 |
| Loan loss allowance to noncurrent loans | 71.5367% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 4,242 |
| Noncurrent loans to loans | 1.2629% | 4,674 |
| Net loans and leases to total assets | 78.2433% | 1,688 |
| Net loans and leases to deposits | 96.7370% | 1,692 |
| Net loans and leases to core deposits | 114.5378% | 2,852 |
| Total domestic deposits to total assets | 80.8825% | 5,117 |
| Equity capital to assets | 12.4026% | 1,973 |
| Core capital (leverage) ratio | 10.4240% | 2,879 |
| Tier 1 risk-based capital ratio | 12.2500% | 4,720 |
| Total risk-based capital ratio | 13.1174% | 4,945 |
| Memoranda: | ||
| Average total assets | $168,522,330 | 3,671 |
| Average earning assets | $152,867,670 | 3,686 |
| Average equity | $21,829,000 | 2,996 |
| Average total loans | $132,178,330 | 3,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0518% | 2,142 |
| Cost of funding earning assets | 1.8497% | 4,879 |
| Net interest margin | 4.2021% | 1,895 |
| Noninterest income to average assets | 1.1594% | 1,091 |
| Noninterest expense to average assets | 2.7508% | 4,778 |
| Loan and lease loss provision to assets | 0.0504% | 6,340 |
| Net operating income to assets | 2.1916% | 235 |
| Return on assets (ROA) | 2.1916% | 272 |
| Pretax return on assets | 2.1699% | 467 |
| Return on Equity (ROE) | 16.5552% | 747 |
| Retained earnings to average equity (ytd only) | 1.7770% | 4,862 |
| Net charge-offs to loans | 0.0184% | 5,314 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 154.1667% | 285 |
| Efficiency ratio | 54.1284% | 7,205 |
| Assets per employee ($millions) | 3.4720% | 4,889 |
| Cash dividends to net income (ytd only)* | 89.2662% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 6,750 |
| Loan loss allowance to noncurrent loans | 50.8245% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 3,466 |
| Noncurrent loans to loans | 1.7714% | 3,609 |
| Net loans and leases to total assets | 79.3893% | 1,497 |
| Net loans and leases to deposits | 98.3344% | 1,618 |
| Net loans and leases to core deposits | 116.1760% | 2,787 |
| Total domestic deposits to total assets | 80.7340% | 5,077 |
| Equity capital to assets | 13.2242% | 1,644 |
| Core capital (leverage) ratio | 10.9844% | 2,510 |
| Tier 1 risk-based capital ratio | 13.0391% | 4,166 |
| Total risk-based capital ratio | 13.9093% | 4,345 |
| Memoranda: | ||
| Average total assets | $166,640,000 | 3,716 |
| Average earning assets | $151,162,500 | 3,727 |
| Average equity | $22,059,500 | 2,967 |
| Average total loans | $130,251,500 | 3,356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5728% | 2,612 |
| Cost of funding earning assets | 2.5091% | 4,159 |
| Net interest margin | 4.0637% | 2,856 |
| Noninterest income to average assets | 0.5368% | 4,342 |
| Noninterest expense to average assets | 2.5784% | 5,725 |
| Loan and lease loss provision to assets | 0.0116% | 7,224 |
| Net operating income to assets | 1.6190% | 809 |
| Return on assets (ROA) | 1.6190% | 767 |
| Pretax return on assets | 1.6260% | 1,324 |
| Return on Equity (ROE) | 13.0530% | 1,315 |
| Retained earnings to average equity (ytd only) | 3.9070% | 2,698 |
| Net charge-offs to loans | 0.0706% | 5,762 |
| Credit loss provision to net charge-offs | 22.7273% | 6,567 |
| Earnings coverage of net charge-offs (x) | 32.1023% | 1,115 |
| Efficiency ratio | 59.8103% | 6,387 |
| Assets per employee ($millions) | 3.6223% | 4,362 |
| Cash dividends to net income (ytd only)* | 70.0680% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,480 |
| Loan loss allowance to noncurrent loans | 78.4534% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 4,025 |
| Noncurrent loans to loans | 1.1914% | 4,124 |
| Net loans and leases to total assets | 75.5035% | 2,762 |
| Net loans and leases to deposits | 91.0438% | 3,286 |
| Net loans and leases to core deposits | 110.0346% | 3,779 |
| Total domestic deposits to total assets | 82.9310% | 3,799 |
| Equity capital to assets | 13.2514% | 1,687 |
| Core capital (leverage) ratio | 10.7805% | 2,759 |
| Tier 1 risk-based capital ratio | 13.3819% | 3,882 |
| Total risk-based capital ratio | 14.2692% | 4,012 |
| Memoranda: | ||
| Average total assets | $172,513,400 | 3,511 |
| Average earning assets | $156,189,000 | 3,548 |
| Average equity | $21,397,400 | 3,051 |
| Average total loans | $124,577,000 | 3,361 |