Home > Premier Bank > Performance and Condition Ratios
Premier 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 | 5.9584% | 1,238 |
| Cost of funding earning assets | 1.4119% | 3,390 |
| Net interest margin | 4.5465% | 578 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 2.5045% | 2,295 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.5876% | 928 |
| Return on assets (ROA) | 1.5876% | 921 |
| Pretax return on assets | 2.0336% | 649 |
| Return on Equity (ROE) | 12.1500% | 1,711 |
| Retained earnings to average equity (ytd only) | 12.1533% | 771 |
| Net charge-offs to loans | -0.0015% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 53.5769% | 3,631 |
| Assets per employee ($millions) | 7.7558% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,449 |
| Loan loss allowance to noncurrent loans | 4,017.5824% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,525 |
| Noncurrent loans to loans | 0.0338% | 3,531 |
| Net loans and leases to total assets | 77.7500% | 865 |
| Net loans and leases to deposits | 90.2564% | 1,080 |
| Net loans and leases to core deposits | 95.6571% | 1,657 |
| Total domestic deposits to total assets | 86.1400% | 2,253 |
| Equity capital to assets | 13.1676% | 880 |
| Core capital (leverage) ratio | 13.5840% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $338,111,500 | 2,307 |
| Average earning assets | $321,832,500 | 2,268 |
| Average equity | $44,169,000 | 1,899 |
| Average total loans | $266,765,500 | 2,020 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1640% | 1,088 |
| Cost of funding earning assets | 1.5696% | 3,233 |
| Net interest margin | 4.5944% | 563 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.5519% | 2,156 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.6414% | 725 |
| Return on assets (ROA) | 1.6414% | 716 |
| Pretax return on assets | 2.0665% | 535 |
| Return on Equity (ROE) | 12.1200% | 1,584 |
| Retained earnings to average equity (ytd only) | -3.0948% | 4,216 |
| Net charge-offs to loans | -0.0122% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.2036% | 3,780 |
| Assets per employee ($millions) | 7.2819% | 1,973 |
| Cash dividends to net income (ytd only)* | 125.5380% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,427 |
| Loan loss allowance to noncurrent loans | 2,556.7376% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,369 |
| Noncurrent loans to loans | 0.0533% | 3,376 |
| Net loans and leases to total assets | 77.9000% | 914 |
| Net loans and leases to deposits | 92.1894% | 1,024 |
| Net loans and leases to core deposits | 97.1258% | 1,647 |
| Total domestic deposits to total assets | 84.5000% | 2,660 |
| Equity capital to assets | 12.9573% | 895 |
| Core capital (leverage) ratio | 12.8846% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $339,703,800 | 2,278 |
| Average earning assets | $322,177,800 | 2,248 |
| Average equity | $46,012,200 | 1,811 |
| Average total loans | $262,460,400 | 2,009 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1609% | 1,039 |
| Cost of funding earning assets | 1.6087% | 3,155 |
| Net interest margin | 4.5522% | 602 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.6033% | 1,950 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.5696% | 850 |
| Return on assets (ROA) | 1.5696% | 845 |
| Pretax return on assets | 1.9990% | 643 |
| Return on Equity (ROE) | 11.4700% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.4660% | 581 |
| Net charge-offs to loans | -0.0046% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.4156% | 3,690 |
| Assets per employee ($millions) | 7.2159% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,465 |
| Loan loss allowance to noncurrent loans | 7,024.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,668 |
| Noncurrent loans to loans | 0.0194% | 3,669 |
| Net loans and leases to total assets | 76.4400% | 1,064 |
| Net loans and leases to deposits | 90.6079% | 1,185 |
| Net loans and leases to core deposits | 95.7080% | 1,774 |
| Total domestic deposits to total assets | 84.3600% | 2,494 |
| Equity capital to assets | 14.8295% | 599 |
| Core capital (leverage) ratio | 14.0663% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $340,887,500 | 2,263 |
| Average earning assets | $322,912,500 | 2,243 |
| Average equity | $46,664,500 | 1,795 |
| Average total loans | $261,938,000 | 2,002 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 1,123 |
| Cost of funding earning assets | 1.5225% | 3,243 |
| Net interest margin | 4.5098% | 616 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.5760% | 2,022 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.4976% | 913 |
| Return on assets (ROA) | 1.4976% | 914 |
| Pretax return on assets | 1.9135% | 729 |
| Return on Equity (ROE) | 11.2400% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.2418% | 655 |
| Net charge-offs to loans | -0.0038% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.1842% | 3,644 |
| Assets per employee ($millions) | 7.4800% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 1,954 |
| Loan loss allowance to noncurrent loans | 10,906.4516% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,731 |
| Noncurrent loans to loans | 0.0115% | 3,703 |
| Net loans and leases to total assets | 75.6400% | 1,216 |
| Net loans and leases to deposits | 92.0837% | 1,114 |
| Net loans and leases to core deposits | 96.0047% | 1,737 |
| Total domestic deposits to total assets | 82.1400% | 3,054 |
| Equity capital to assets | 13.3902% | 787 |
| Core capital (leverage) ratio | 14.0675% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $343,872,333 | 2,238 |
| Average earning assets | $326,048,667 | 2,209 |
| Average equity | $45,811,333 | 1,798 |
| Average total loans | $263,506,000 | 1,992 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0300% | 1,019 |
| Cost of funding earning assets | 1.4408% | 3,330 |
| Net interest margin | 4.5892% | 534 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.5492% | 2,107 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.5222% | 862 |
| Return on assets (ROA) | 1.5222% | 875 |
| Pretax return on assets | 1.9645% | 662 |
| Return on Equity (ROE) | 11.4600% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.4565% | 836 |
| Net charge-offs to loans | -0.0031% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.2908% | 3,737 |
| Assets per employee ($millions) | 7.0559% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,276 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 75.9200% | 1,080 |
| Net loans and leases to deposits | 92.9075% | 955 |
| Net loans and leases to core deposits | 96.9860% | 1,584 |
| Total domestic deposits to total assets | 81.7200% | 3,235 |
| Equity capital to assets | 13.5183% | 754 |
| Core capital (leverage) ratio | 13.6563% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $340,027,500 | 2,257 |
| Average earning assets | $323,716,000 | 2,222 |
| Average equity | $45,179,500 | 1,801 |
| Average total loans | $260,613,000 | 2,001 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 1,108 |
| Cost of funding earning assets | 1.0994% | 3,071 |
| Net interest margin | 4.4424% | 667 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.4445% | 2,460 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4700% | 1,078 |
| Return on assets (ROA) | 1.4593% | 1,069 |
| Pretax return on assets | 1.8999% | 774 |
| Return on Equity (ROE) | 11.6500% | 2,052 |
| Retained earnings to average equity (ytd only) | -0.0821% | 4,090 |
| Net charge-offs to loans | -0.0028% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.0491% | 3,676 |
| Assets per employee ($millions) | 6.8275% | 2,187 |
| Cash dividends to net income (ytd only)* | 100.7049% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,618 |
| Loan loss allowance to noncurrent loans | 43,637.5000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,826 |
| Noncurrent loans to loans | 0.0031% | 3,772 |
| Net loans and leases to total assets | 75.4200% | 1,185 |
| Net loans and leases to deposits | 91.7421% | 1,116 |
| Net loans and leases to core deposits | 96.1544% | 1,647 |
| Total domestic deposits to total assets | 82.2100% | 3,088 |
| Equity capital to assets | 13.0575% | 853 |
| Core capital (leverage) ratio | 13.2409% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $340,236,200 | 2,231 |
| Average earning assets | $320,436,600 | 2,203 |
| Average equity | $42,615,200 | 1,799 |
| Average total loans | $247,917,600 | 2,012 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 21,463.0000% | 5 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 90,300.0000% | 14 |
| Cost of funding earning assets | 225.0000% | 16 |
| Net interest margin | 21.0000% | 9 |
| Noninterest income to average assets | 0.0007% | 4,560 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.4206% | 1,256 |
| Pretax return on assets | 1.8461% | 932 |
| Return on Equity (ROE) | 11.4600% | 2,265 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,553 |
| Efficiency ratio | 4.3872% | 4,591 |
| Assets per employee ($millions) | 0.4849% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.1682% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0000% | 12 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 69 |
| Noncurrent loans to loans | 0.0013% | 3,820 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0003% | 4,489 |
| Total domestic deposits to total assets | 64.0000% | 4,433 |
| Equity capital to assets | 195,077.0000% | 3 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,353,000 | 4,606 |
| Average earning assets | $17,107 | 4,578 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 1,180 |
| Cost of funding earning assets | 0.9008% | 2,927 |
| Net interest margin | 4.3232% | 782 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3896% | 2,526 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3966% | 1,344 |
| Return on assets (ROA) | 1.3752% | 1,373 |
| Pretax return on assets | 1.7907% | 1,030 |
| Return on Equity (ROE) | 11.1000% | 2,392 |
| Retained earnings to average equity (ytd only) | -12.6872% | 4,543 |
| Net charge-offs to loans | -0.0017% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.6652% | 3,556 |
| Assets per employee ($millions) | 7.4872% | 1,615 |
| Cash dividends to net income (ytd only)* | 214.3163% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 1,790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.6900% | 1,567 |
| Net loans and leases to deposits | 86.1739% | 1,490 |
| Net loans and leases to core deposits | 89.8093% | 1,812 |
| Total domestic deposits to total assets | 83.2000% | 3,000 |
| Equity capital to assets | 12.0060% | 1,047 |
| Core capital (leverage) ratio | 12.6469% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $339,301,333 | 2,243 |
| Average earning assets | $317,497,667 | 2,230 |
| Average equity | $42,042,333 | 1,811 |
| Average total loans | $239,763,333 | 2,055 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 1,132 |
| Cost of funding earning assets | 0.6923% | 3,075 |
| Net interest margin | 4.3653% | 724 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.3127% | 2,782 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.4484% | 1,289 |
| Return on assets (ROA) | 1.4052% | 1,366 |
| Pretax return on assets | 1.8316% | 1,017 |
| Return on Equity (ROE) | 11.1600% | 2,450 |
| Retained earnings to average equity (ytd only) | -36.0192% | 4,650 |
| Net charge-offs to loans | -0.0017% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.9640% | 3,709 |
| Assets per employee ($millions) | 6.8228% | 2,101 |
| Cash dividends to net income (ytd only)* | 422.6543% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,645 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.0000% | 1,729 |
| Net loans and leases to deposits | 83.0409% | 1,572 |
| Net loans and leases to core deposits | 87.0897% | 1,799 |
| Total domestic deposits to total assets | 83.1000% | 3,278 |
| Equity capital to assets | 12.1172% | 967 |
| Core capital (leverage) ratio | 12.7121% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $336,746,500 | 2,282 |
| Average earning assets | $313,745,500 | 2,279 |
| Average equity | $42,388,500 | 1,823 |
| Average total loans | $234,517,000 | 2,100 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 2,889 |
| Cost of funding earning assets | 0.2572% | 3,269 |
| Net interest margin | 3.3107% | 2,536 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8725% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1345% | 2,034 |
| Return on assets (ROA) | 1.1345% | 1,979 |
| Pretax return on assets | 1.4568% | 1,589 |
| Return on Equity (ROE) | 9.6300% | 2,933 |
| Retained earnings to average equity (ytd only) | 9.6259% | 1,269 |
| Net charge-offs to loans | -0.0098% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.7866% | 3,709 |
| Assets per employee ($millions) | 7.0662% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 1,666 |
| Loan loss allowance to noncurrent loans | 21,226.6667% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,883 |
| Noncurrent loans to loans | 0.0064% | 3,820 |
| Net loans and leases to total assets | 68.3700% | 1,798 |
| Net loans and leases to deposits | 82.6440% | 1,567 |
| Net loans and leases to core deposits | 85.7520% | 1,772 |
| Total domestic deposits to total assets | 82.7300% | 3,482 |
| Equity capital to assets | 13.0513% | 695 |
| Core capital (leverage) ratio | 13.3512% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $358,932,400 | 2,184 |
| Average earning assets | $337,902,200 | 2,164 |
| Average equity | $42,302,400 | 1,846 |
| Average total loans | $223,395,800 | 2,089 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2016% | 3,432 |
| Cost of funding earning assets | 0.2242% | 2,996 |
| Net interest margin | 2.9775% | 3,279 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6976% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0344% | 2,343 |
| Return on assets (ROA) | 1.0344% | 2,313 |
| Pretax return on assets | 1.3510% | 1,884 |
| Return on Equity (ROE) | 9.0000% | 3,030 |
| Retained earnings to average equity (ytd only) | 9.0021% | 1,650 |
| Net charge-offs to loans | -0.0103% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.0144% | 3,820 |
| Assets per employee ($millions) | 7.8751% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,624 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.8600% | 1,995 |
| Net loans and leases to deposits | 74.3476% | 2,019 |
| Net loans and leases to core deposits | 76.9015% | 2,120 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 12.2801% | 826 |
| Core capital (leverage) ratio | 12.2187% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $363,871,500 | 2,175 |
| Average earning assets | $344,981,750 | 2,146 |
| Average equity | $41,811,250 | 1,890 |
| Average total loans | $220,474,000 | 2,106 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8785% | 3,832 |
| Cost of funding earning assets | 0.2307% | 2,494 |
| Net interest margin | 2.6478% | 3,817 |
| Noninterest income to average assets | 0.2656% | 3,584 |
| Noninterest expense to average assets | 1.5268% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9695% | 2,270 |
| Return on assets (ROA) | 0.9695% | 2,245 |
| Pretax return on assets | 1.2720% | 1,836 |
| Return on Equity (ROE) | 8.6227% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.6227% | 1,392 |
| Net charge-offs to loans | -0.0119% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5614% | 4,085 |
| Assets per employee ($millions) | 8.1122% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,584 |
| Loan loss allowance to noncurrent loans | 10,241.9355% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,945 |
| Noncurrent loans to loans | 0.0141% | 3,864 |
| Net loans and leases to total assets | 59.4122% | 2,392 |
| Net loans and leases to deposits | 68.5493% | 2,343 |
| Net loans and leases to core deposits | 70.7660% | 2,427 |
| Total domestic deposits to total assets | 86.6708% | 3,047 |
| Equity capital to assets | 11.5530% | 1,014 |
| Core capital (leverage) ratio | 11.6542% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,660,667 | 2,158 |
| Average earning assets | $353,656,667 | 2,124 |
| Average equity | $41,564,667 | 1,938 |
| Average total loans | $217,991,000 | 2,123 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7096% | 3,936 |
| Cost of funding earning assets | 0.2392% | 2,276 |
| Net interest margin | 2.4704% | 3,954 |
| Noninterest income to average assets | 0.2463% | 3,669 |
| Noninterest expense to average assets | 1.7636% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6463% | 3,241 |
| Return on assets (ROA) | 0.6463% | 3,221 |
| Pretax return on assets | 0.8485% | 2,949 |
| Return on Equity (ROE) | 5.8265% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.8265% | 2,305 |
| Net charge-offs to loans | -0.0147% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7180% | 2,943 |
| Assets per employee ($millions) | 9.0027% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.6618% | 1,993 |
| Net loans and leases to deposits | 69.6432% | 1,994 |
| Net loans and leases to core deposits | 72.4030% | 2,076 |
| Total domestic deposits to total assets | 87.1036% | 2,890 |
| Equity capital to assets | 11.1592% | 1,260 |
| Core capital (leverage) ratio | 11.1616% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,967,000 | 2,163 |
| Average earning assets | $356,213,000 | 2,125 |
| Average equity | $41,260,000 | 2,006 |
| Average total loans | $216,957,500 | 2,120 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 3,597 |
| Cost of funding earning assets | 0.3058% | 2,353 |
| Net interest margin | 2.8393% | 3,587 |
| Noninterest income to average assets | 0.5361% | 2,413 |
| Noninterest expense to average assets | 2.3710% | 2,583 |
| Loan and lease loss provision to assets | -0.0658% | 4,423 |
| Net operating income to assets | 0.7103% | 3,600 |
| Return on assets (ROA) | 0.7103% | 3,654 |
| Pretax return on assets | 0.9400% | 3,395 |
| Return on Equity (ROE) | 6.6033% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.6033% | 2,078 |
| Net charge-offs to loans | -0.0025% | 3,409 |
| Credit loss provision to net charge-offs | 4,116.6667% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8128% | 1,642 |
| Assets per employee ($millions) | 8.3294% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.3386% | 2,809 |
| Net loans and leases to deposits | 62.3710% | 2,848 |
| Net loans and leases to core deposits | 64.9569% | 2,903 |
| Total domestic deposits to total assets | 87.1216% | 2,463 |
| Equity capital to assets | 11.0266% | 1,774 |
| Core capital (leverage) ratio | 10.1565% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,329,400 | 2,088 |
| Average earning assets | $358,117,000 | 2,048 |
| Average equity | $40,373,600 | 2,072 |
| Average total loans | $236,710,400 | 2,010 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,520 |
| Cost of funding earning assets | 0.3174% | 2,434 |
| Net interest margin | 2.9311% | 3,479 |
| Noninterest income to average assets | 0.5849% | 2,274 |
| Noninterest expense to average assets | 2.2639% | 2,854 |
| Loan and lease loss provision to assets | -0.0876% | 4,575 |
| Net operating income to assets | 0.9329% | 3,140 |
| Return on assets (ROA) | 0.9329% | 3,219 |
| Pretax return on assets | 1.1999% | 2,932 |
| Return on Equity (ROE) | 8.7271% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.7271% | 1,794 |
| Net charge-offs to loans | -0.0022% | 3,237 |
| Credit loss provision to net charge-offs | 6,175.0000% | 128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8890% | 2,259 |
| Assets per employee ($millions) | 8.5875% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.0893% | 2,601 |
| Net loans and leases to deposits | 64.9795% | 2,738 |
| Net loans and leases to core deposits | 67.7866% | 2,798 |
| Total domestic deposits to total assets | 87.8573% | 1,932 |
| Equity capital to assets | 10.4783% | 2,470 |
| Core capital (leverage) ratio | 10.4713% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,456,250 | 2,107 |
| Average earning assets | $357,533,750 | 2,065 |
| Average equity | $40,134,500 | 2,106 |
| Average total loans | $244,179,250 | 1,990 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 2,957 |
| Cost of funding earning assets | 0.3340% | 2,453 |
| Net interest margin | 3.1413% | 2,923 |
| Noninterest income to average assets | 0.6690% | 1,933 |
| Noninterest expense to average assets | 2.4227% | 2,388 |
| Loan and lease loss provision to assets | 0.0678% | 1,696 |
| Net operating income to assets | 0.8728% | 3,293 |
| Return on assets (ROA) | 0.8728% | 3,368 |
| Pretax return on assets | 1.1612% | 3,022 |
| Return on Equity (ROE) | 8.1077% | 3,378 |
| Retained earnings to average equity (ytd only) | 8.1077% | 2,037 |
| Net charge-offs to loans | -0.0032% | 3,306 |
| Credit loss provision to net charge-offs | -3,125.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3112% | 2,383 |
| Assets per employee ($millions) | 8.2378% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.4650% | 2,018 |
| Net loans and leases to deposits | 73.5672% | 2,040 |
| Net loans and leases to core deposits | 77.0760% | 2,127 |
| Total domestic deposits to total assets | 86.2680% | 2,640 |
| Equity capital to assets | 10.6600% | 2,260 |
| Core capital (leverage) ratio | 10.3816% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,932,667 | 2,121 |
| Average earning assets | $350,296,667 | 2,090 |
| Average equity | $39,715,333 | 2,111 |
| Average total loans | $249,346,333 | 1,965 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 1,894 |
| Cost of funding earning assets | 0.3481% | 2,537 |
| Net interest margin | 3.5263% | 1,758 |
| Noninterest income to average assets | 0.8079% | 1,563 |
| Noninterest expense to average assets | 2.6687% | 1,690 |
| Loan and lease loss provision to assets | 0.0824% | 1,572 |
| Net operating income to assets | 1.0793% | 2,541 |
| Return on assets (ROA) | 1.0793% | 2,623 |
| Pretax return on assets | 1.4080% | 2,259 |
| Return on Equity (ROE) | 9.9757% | 2,693 |
| Retained earnings to average equity (ytd only) | 9.9757% | 1,649 |
| Net charge-offs to loans | -0.0016% | 3,092 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3679% | 2,689 |
| Assets per employee ($millions) | 7.6660% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.7008% | 2,087 |
| Net loans and leases to deposits | 73.5571% | 2,149 |
| Net loans and leases to core deposits | 77.2578% | 2,237 |
| Total domestic deposits to total assets | 86.6005% | 2,482 |
| Equity capital to assets | 10.3830% | 2,367 |
| Core capital (leverage) ratio | 10.7827% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,928,500 | 2,129 |
| Average earning assets | $345,855,500 | 2,101 |
| Average equity | $39,375,500 | 2,110 |
| Average total loans | $252,006,000 | 1,950 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,600 |
| Cost of funding earning assets | 0.5146% | 2,853 |
| Net interest margin | 3.8827% | 1,267 |
| Noninterest income to average assets | 0.6483% | 2,035 |
| Noninterest expense to average assets | 2.6466% | 2,398 |
| Loan and lease loss provision to assets | 0.0912% | 3,222 |
| Net operating income to assets | 1.2240% | 1,467 |
| Return on assets (ROA) | 1.2261% | 1,571 |
| Pretax return on assets | 1.5917% | 1,093 |
| Return on Equity (ROE) | 10.8978% | 1,672 |
| Retained earnings to average equity (ytd only) | 10.8978% | 445 |
| Net charge-offs to loans | -0.0163% | 4,376 |
| Credit loss provision to net charge-offs | -714.2857% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2353% | 3,563 |
| Assets per employee ($millions) | 6.7561% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 2,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.4170% | 1,101 |
| Net loans and leases to deposits | 85.9753% | 1,255 |
| Net loans and leases to core deposits | 91.1779% | 1,447 |
| Total domestic deposits to total assets | 85.3932% | 2,617 |
| Equity capital to assets | 11.3052% | 2,014 |
| Core capital (leverage) ratio | 11.0694% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,841,000 | 2,141 |
| Average earning assets | $311,534,000 | 2,106 |
| Average equity | $36,998,200 | 2,130 |
| Average total loans | $257,267,400 | 1,882 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,226 |
| Cost of funding earning assets | 0.5566% | 2,889 |
| Net interest margin | 4.0746% | 940 |
| Noninterest income to average assets | 0.6533% | 1,974 |
| Noninterest expense to average assets | 2.7363% | 2,157 |
| Loan and lease loss provision to assets | 0.0923% | 3,159 |
| Net operating income to assets | 1.2909% | 1,378 |
| Return on assets (ROA) | 1.2939% | 1,469 |
| Pretax return on assets | 1.6915% | 981 |
| Return on Equity (ROE) | 11.5145% | 1,508 |
| Retained earnings to average equity (ytd only) | 11.5145% | 495 |
| Net charge-offs to loans | 0.0026% | 3,088 |
| Credit loss provision to net charge-offs | 4,500.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 867.6000% | 140 |
| Efficiency ratio | 58.7134% | 3,565 |
| Assets per employee ($millions) | 6.3102% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,531 |
| Loan loss allowance to noncurrent loans | 109,366.6667% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,535 |
| Noncurrent loans to loans | 0.0011% | 4,466 |
| Net loans and leases to total assets | 77.6488% | 872 |
| Net loans and leases to deposits | 90.8379% | 1,177 |
| Net loans and leases to core deposits | 96.7115% | 1,402 |
| Total domestic deposits to total assets | 85.4806% | 2,253 |
| Equity capital to assets | 11.1829% | 2,249 |
| Core capital (leverage) ratio | 10.8991% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,911,500 | 2,145 |
| Average earning assets | $308,047,500 | 2,110 |
| Average equity | $36,509,500 | 2,138 |
| Average total loans | $257,492,000 | 1,874 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 709 |
| Cost of funding earning assets | 0.6056% | 2,934 |
| Net interest margin | 4.4770% | 531 |
| Noninterest income to average assets | 0.6946% | 1,756 |
| Noninterest expense to average assets | 2.8539% | 1,965 |
| Loan and lease loss provision to assets | 0.0939% | 3,099 |
| Net operating income to assets | 1.5323% | 874 |
| Return on assets (ROA) | 1.5368% | 941 |
| Pretax return on assets | 1.9848% | 565 |
| Return on Equity (ROE) | 13.6530% | 945 |
| Retained earnings to average equity (ytd only) | 13.6530% | 297 |
| Net charge-offs to loans | 0.0047% | 2,806 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 552.1667% | 187 |
| Efficiency ratio | 56.1849% | 3,920 |
| Assets per employee ($millions) | 6.5794% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.5548% | 911 |
| Net loans and leases to deposits | 90.4248% | 1,316 |
| Net loans and leases to core deposits | 98.3954% | 1,381 |
| Total domestic deposits to total assets | 85.7671% | 2,107 |
| Equity capital to assets | 10.9432% | 2,396 |
| Core capital (leverage) ratio | 11.7807% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,631,333 | 2,149 |
| Average earning assets | $302,165,333 | 2,120 |
| Average equity | $35,977,333 | 2,164 |
| Average total loans | $254,032,333 | 1,873 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,564 |
| Cost of funding earning assets | 0.7122% | 2,879 |
| Net interest margin | 4.0348% | 1,302 |
| Noninterest income to average assets | 0.5565% | 2,241 |
| Noninterest expense to average assets | 2.5631% | 3,092 |
| Loan and lease loss provision to assets | 0.0973% | 2,470 |
| Net operating income to assets | 1.3282% | 1,164 |
| Return on assets (ROA) | 1.3282% | 1,259 |
| Pretax return on assets | 1.7174% | 833 |
| Return on Equity (ROE) | 11.6212% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.6212% | 468 |
| Net charge-offs to loans | -0.0065% | 3,930 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5037% | 4,161 |
| Assets per employee ($millions) | 6.0276% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.3026% | 779 |
| Net loans and leases to deposits | 93.5676% | 1,118 |
| Net loans and leases to core deposits | 100.0472% | 1,467 |
| Total domestic deposits to total assets | 84.7544% | 2,507 |
| Equity capital to assets | 11.6689% | 2,313 |
| Core capital (leverage) ratio | 11.3739% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,381,500 | 2,156 |
| Average earning assets | $292,058,000 | 2,123 |
| Average equity | $35,246,000 | 2,193 |
| Average total loans | $246,776,500 | 1,886 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 1,372 |
| Cost of funding earning assets | 0.8188% | 2,589 |
| Net interest margin | 4.2191% | 1,284 |
| Noninterest income to average assets | 0.6653% | 1,944 |
| Noninterest expense to average assets | 2.6605% | 2,993 |
| Loan and lease loss provision to assets | 0.1231% | 1,723 |
| Net operating income to assets | 1.4592% | 1,161 |
| Return on assets (ROA) | 1.4592% | 1,221 |
| Pretax return on assets | 1.8686% | 795 |
| Return on Equity (ROE) | 13.1968% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.1968% | 159 |
| Net charge-offs to loans | -0.0095% | 4,457 |
| Credit loss provision to net charge-offs | -1,636.3636% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1651% | 4,306 |
| Assets per employee ($millions) | 6.3134% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.7346% | 974 |
| Net loans and leases to deposits | 92.2313% | 1,342 |
| Net loans and leases to core deposits | 98.6641% | 1,680 |
| Total domestic deposits to total assets | 85.3664% | 2,361 |
| Equity capital to assets | 11.1913% | 2,823 |
| Core capital (leverage) ratio | 10.8908% | 2,599 |
| Tier 1 risk-based capital ratio | 11.0080% | 4,856 |
| Total risk-based capital ratio | 12.0136% | 4,850 |
| Memoranda: | ||
| Average total assets | $292,353,200 | 2,208 |
| Average earning assets | $276,265,200 | 2,170 |
| Average equity | $32,326,000 | 2,286 |
| Average total loans | $232,637,000 | 1,940 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 1,369 |
| Cost of funding earning assets | 0.8249% | 2,596 |
| Net interest margin | 4.2405% | 1,280 |
| Noninterest income to average assets | 0.6322% | 2,065 |
| Noninterest expense to average assets | 2.6184% | 3,113 |
| Loan and lease loss provision to assets | 0.1250% | 1,557 |
| Net operating income to assets | 1.4930% | 1,204 |
| Return on assets (ROA) | 1.4930% | 1,263 |
| Pretax return on assets | 1.8951% | 877 |
| Return on Equity (ROE) | 13.5462% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.5462% | 230 |
| Net charge-offs to loans | 0.0035% | 3,288 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 727.4813% | 131 |
| Efficiency ratio | 54.3949% | 4,347 |
| Assets per employee ($millions) | 6.0067% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.3178% | 1,751 |
| Net loans and leases to deposits | 87.1338% | 2,043 |
| Net loans and leases to core deposits | 93.7252% | 2,205 |
| Total domestic deposits to total assets | 85.2915% | 2,303 |
| Equity capital to assets | 10.9666% | 3,123 |
| Core capital (leverage) ratio | 10.9858% | 2,652 |
| Tier 1 risk-based capital ratio | 11.6418% | 4,595 |
| Total risk-based capital ratio | 12.6993% | 4,592 |
| Memoranda: | ||
| Average total assets | $288,102,250 | 2,245 |
| Average earning assets | $272,194,750 | 2,215 |
| Average equity | $31,752,250 | 2,327 |
| Average total loans | $229,138,250 | 1,980 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 1,161 |
| Cost of funding earning assets | 0.8119% | 2,589 |
| Net interest margin | 4.3129% | 1,114 |
| Noninterest income to average assets | 0.5007% | 2,676 |
| Noninterest expense to average assets | 2.6360% | 3,095 |
| Loan and lease loss provision to assets | 0.1276% | 1,460 |
| Net operating income to assets | 1.4091% | 1,414 |
| Return on assets (ROA) | 1.4091% | 1,465 |
| Pretax return on assets | 1.8133% | 1,003 |
| Return on Equity (ROE) | 12.7625% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.7625% | 323 |
| Net charge-offs to loans | 0.0096% | 2,790 |
| Credit loss provision to net charge-offs | 1,636.3636% | 226 |
| Earnings coverage of net charge-offs (x) | 248.8182% | 326 |
| Efficiency ratio | 55.4695% | 4,312 |
| Assets per employee ($millions) | 5.8810% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.2546% | 1,172 |
| Net loans and leases to deposits | 89.9773% | 1,744 |
| Net loans and leases to core deposits | 97.3882% | 1,942 |
| Total domestic deposits to total assets | 86.9716% | 1,605 |
| Equity capital to assets | 10.9914% | 3,065 |
| Core capital (leverage) ratio | 10.9228% | 2,668 |
| Tier 1 risk-based capital ratio | 11.3507% | 4,769 |
| Total risk-based capital ratio | 12.3905% | 4,752 |
| Memoranda: | ||
| Average total assets | $282,023,000 | 2,285 |
| Average earning assets | $266,548,000 | 2,252 |
| Average equity | $31,138,000 | 2,348 |
| Average total loans | $228,648,330 | 1,988 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 993 |
| Cost of funding earning assets | 0.7795% | 2,640 |
| Net interest margin | 4.3747% | 955 |
| Noninterest income to average assets | 0.4072% | 3,142 |
| Noninterest expense to average assets | 2.6376% | 3,096 |
| Loan and lease loss provision to assets | 0.1304% | 1,339 |
| Net operating income to assets | 1.3710% | 1,451 |
| Return on assets (ROA) | 1.3710% | 1,493 |
| Pretax return on assets | 1.7710% | 1,047 |
| Return on Equity (ROE) | 12.3875% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.3875% | 551 |
| Net charge-offs to loans | -0.0053% | 4,040 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9387% | 4,344 |
| Assets per employee ($millions) | 5.8602% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,548 |
| Loan loss allowance to noncurrent loans | 13,860.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,846 |
| Noncurrent loans to loans | 0.0087% | 4,751 |
| Net loans and leases to total assets | 80.7926% | 740 |
| Net loans and leases to deposits | 93.0844% | 1,274 |
| Net loans and leases to core deposits | 100.4691% | 1,577 |
| Total domestic deposits to total assets | 86.7950% | 1,915 |
| Equity capital to assets | 11.0662% | 2,782 |
| Core capital (leverage) ratio | 10.8910% | 2,672 |
| Tier 1 risk-based capital ratio | 11.2120% | 4,875 |
| Total risk-based capital ratio | 12.2487% | 4,879 |
| Memoranda: | ||
| Average total assets | $276,010,000 | 2,333 |
| Average earning assets | $260,681,500 | 2,310 |
| Average equity | $30,547,000 | 2,382 |
| Average total loans | $226,495,000 | 2,015 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 1,393 |
| Cost of funding earning assets | 0.6224% | 2,572 |
| Net interest margin | 4.2381% | 1,303 |
| Noninterest income to average assets | 0.7983% | 1,452 |
| Noninterest expense to average assets | 2.8373% | 2,558 |
| Loan and lease loss provision to assets | 0.1488% | 1,428 |
| Net operating income to assets | 1.4197% | 1,364 |
| Return on assets (ROA) | 1.4190% | 1,364 |
| Pretax return on assets | 1.8057% | 901 |
| Return on Equity (ROE) | 12.7738% | 1,434 |
| Retained earnings to average equity (ytd only) | 9.3205% | 777 |
| Net charge-offs to loans | 0.0160% | 3,149 |
| Credit loss provision to net charge-offs | 1,141.1765% | 346 |
| Earnings coverage of net charge-offs (x) | 149.9118% | 564 |
| Efficiency ratio | 56.9039% | 4,293 |
| Assets per employee ($millions) | 5.5251% | 1,931 |
| Cash dividends to net income (ytd only)* | 27.0343% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.3642% | 756 |
| Net loans and leases to deposits | 93.7178% | 1,313 |
| Net loans and leases to core deposits | 103.3237% | 1,474 |
| Total domestic deposits to total assets | 86.8183% | 1,866 |
| Equity capital to assets | 11.0685% | 2,622 |
| Core capital (leverage) ratio | 10.7523% | 2,786 |
| Tier 1 risk-based capital ratio | 11.1582% | 4,887 |
| Total risk-based capital ratio | 12.1902% | 4,890 |
| Memoranda: | ||
| Average total assets | $260,668,000 | 2,397 |
| Average earning assets | $245,676,200 | 2,369 |
| Average equity | $28,957,600 | 2,397 |
| Average total loans | $212,541,000 | 2,078 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,476 |
| Cost of funding earning assets | 0.5768% | 2,657 |
| Net interest margin | 4.2020% | 1,353 |
| Noninterest income to average assets | 0.9137% | 1,160 |
| Noninterest expense to average assets | 2.8804% | 2,368 |
| Loan and lease loss provision to assets | 0.1394% | 1,436 |
| Net operating income to assets | 1.4613% | 1,298 |
| Return on assets (ROA) | 1.4601% | 1,301 |
| Pretax return on assets | 1.8505% | 902 |
| Return on Equity (ROE) | 13.1307% | 1,377 |
| Retained earnings to average equity (ytd only) | 13.1307% | 345 |
| Net charge-offs to loans | -0.0089% | 4,362 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8006% | 4,277 |
| Assets per employee ($millions) | 5.4918% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,651 |
| Loan loss allowance to noncurrent loans | 11,343.4783% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,974 |
| Noncurrent loans to loans | 0.0105% | 4,874 |
| Net loans and leases to total assets | 80.1759% | 992 |
| Net loans and leases to deposits | 92.6197% | 1,549 |
| Net loans and leases to core deposits | 101.1078% | 1,689 |
| Total domestic deposits to total assets | 86.5647% | 1,939 |
| Equity capital to assets | 11.1395% | 2,526 |
| Core capital (leverage) ratio | 11.0821% | 2,503 |
| Tier 1 risk-based capital ratio | 11.3626% | 4,866 |
| Total risk-based capital ratio | 12.3839% | 4,875 |
| Memoranda: | ||
| Average total assets | $258,152,000 | 2,427 |
| Average earning assets | $243,177,000 | 2,405 |
| Average equity | $28,705,500 | 2,421 |
| Average total loans | $209,936,750 | 2,096 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 1,436 |
| Cost of funding earning assets | 0.5381% | 2,704 |
| Net interest margin | 4.1890% | 1,313 |
| Noninterest income to average assets | 1.0020% | 960 |
| Noninterest expense to average assets | 2.9021% | 2,350 |
| Loan and lease loss provision to assets | 0.1415% | 1,382 |
| Net operating income to assets | 1.5151% | 1,116 |
| Return on assets (ROA) | 1.5151% | 1,116 |
| Pretax return on assets | 1.9041% | 765 |
| Return on Equity (ROE) | 13.6341% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.6341% | 312 |
| Net charge-offs to loans | -0.0097% | 4,310 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2897% | 4,443 |
| Assets per employee ($millions) | 5.2517% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,823 |
| Loan loss allowance to noncurrent loans | 10,479.1667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,003 |
| Noncurrent loans to loans | 0.0113% | 4,902 |
| Net loans and leases to total assets | 80.0364% | 1,012 |
| Net loans and leases to deposits | 92.3663% | 1,535 |
| Net loans and leases to core deposits | 99.8831% | 1,747 |
| Total domestic deposits to total assets | 86.6511% | 1,994 |
| Equity capital to assets | 11.0853% | 2,554 |
| Core capital (leverage) ratio | 10.7453% | 2,761 |
| Tier 1 risk-based capital ratio | 11.1128% | 4,994 |
| Total risk-based capital ratio | 12.1089% | 5,016 |
| Memoranda: | ||
| Average total assets | $254,503,670 | 2,472 |
| Average earning assets | $239,723,000 | 2,432 |
| Average equity | $28,282,000 | 2,457 |
| Average total loans | $207,129,000 | 2,129 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,612 |
| Cost of funding earning assets | 0.4858% | 2,901 |
| Net interest margin | 4.1008% | 1,438 |
| Noninterest income to average assets | 1.4278% | 464 |
| Noninterest expense to average assets | 2.9529% | 2,196 |
| Loan and lease loss provision to assets | 0.1437% | 1,310 |
| Net operating income to assets | 1.7056% | 681 |
| Return on assets (ROA) | 1.7056% | 691 |
| Pretax return on assets | 2.1863% | 391 |
| Return on Equity (ROE) | 15.3289% | 745 |
| Retained earnings to average equity (ytd only) | 15.3289% | 303 |
| Net charge-offs to loans | -0.0117% | 4,317 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4462% | 4,848 |
| Assets per employee ($millions) | 5.4260% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,153 |
| Loan loss allowance to noncurrent loans | 9,311.5385% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,080 |
| Noncurrent loans to loans | 0.0122% | 4,950 |
| Net loans and leases to total assets | 80.6937% | 836 |
| Net loans and leases to deposits | 92.9946% | 1,334 |
| Net loans and leases to core deposits | 100.3165% | 1,661 |
| Total domestic deposits to total assets | 86.7724% | 2,215 |
| Equity capital to assets | 10.8667% | 2,705 |
| Core capital (leverage) ratio | 10.9140% | 2,530 |
| Tier 1 risk-based capital ratio | 10.7403% | 5,267 |
| Total risk-based capital ratio | 11.6988% | 5,284 |
| Memoranda: | ||
| Average total assets | $250,464,000 | 2,508 |
| Average earning assets | $235,467,500 | 2,487 |
| Average equity | $27,869,000 | 2,506 |
| Average total loans | $204,355,000 | 2,162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,236 |
| Cost of funding earning assets | 0.3854% | 3,381 |
| Net interest margin | 3.9438% | 1,941 |
| Noninterest income to average assets | 0.6167% | 2,372 |
| Noninterest expense to average assets | 2.8497% | 2,609 |
| Loan and lease loss provision to assets | 0.1269% | 1,802 |
| Net operating income to assets | 0.7531% | 3,379 |
| Return on assets (ROA) | 0.7533% | 3,415 |
| Pretax return on assets | 1.3245% | 2,267 |
| Return on Equity (ROE) | 6.6900% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.6900% | 1,199 |
| Net charge-offs to loans | 0.0339% | 3,112 |
| Credit loss provision to net charge-offs | 485.4839% | 640 |
| Earnings coverage of net charge-offs (x) | 55.5161% | 1,012 |
| Efficiency ratio | 62.9975% | 3,775 |
| Assets per employee ($millions) | 5.2278% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,859 |
| Loan loss allowance to noncurrent loans | 8,611.1111% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,112 |
| Noncurrent loans to loans | 0.0138% | 4,971 |
| Net loans and leases to total assets | 80.5884% | 884 |
| Net loans and leases to deposits | 93.4295% | 1,335 |
| Net loans and leases to core deposits | 97.7775% | 1,875 |
| Total domestic deposits to total assets | 86.2558% | 2,328 |
| Equity capital to assets | 11.4088% | 2,273 |
| Core capital (leverage) ratio | 10.8055% | 2,534 |
| Tier 1 risk-based capital ratio | 11.2813% | 4,998 |
| Total risk-based capital ratio | 12.2864% | 5,007 |
| Memoranda: | ||
| Average total assets | $237,215,800 | 2,587 |
| Average earning assets | $221,586,000 | 2,569 |
| Average equity | $26,711,400 | 2,561 |
| Average total loans | $182,815,800 | 2,297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,483 |
| Cost of funding earning assets | 0.3770% | 3,406 |
| Net interest margin | 3.8607% | 2,184 |
| Noninterest income to average assets | 0.6345% | 2,287 |
| Noninterest expense to average assets | 2.8234% | 2,649 |
| Loan and lease loss provision to assets | 0.1275% | 1,696 |
| Net operating income to assets | 0.8372% | 3,342 |
| Return on assets (ROA) | 0.8375% | 3,383 |
| Pretax return on assets | 1.2820% | 2,579 |
| Return on Equity (ROE) | 7.4630% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.4630% | 1,450 |
| Net charge-offs to loans | 0.0082% | 3,436 |
| Credit loss provision to net charge-offs | 2,054.5455% | 200 |
| Earnings coverage of net charge-offs (x) | 227.0334% | 384 |
| Efficiency ratio | 63.3529% | 3,661 |
| Assets per employee ($millions) | 5.1778% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,800 |
| Loan loss allowance to noncurrent loans | 3,152.0548% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,091 |
| Noncurrent loans to loans | 0.0387% | 4,943 |
| Net loans and leases to total assets | 76.5079% | 1,496 |
| Net loans and leases to deposits | 88.5787% | 1,975 |
| Net loans and leases to core deposits | 91.9347% | 2,449 |
| Total domestic deposits to total assets | 86.3728% | 2,147 |
| Equity capital to assets | 11.2320% | 2,637 |
| Core capital (leverage) ratio | 10.9532% | 2,504 |
| Tier 1 risk-based capital ratio | 11.4070% | 5,009 |
| Total risk-based capital ratio | 12.4274% | 5,044 |
| Memoranda: | ||
| Average total assets | $236,399,750 | 2,613 |
| Average earning assets | $220,302,750 | 2,600 |
| Average equity | $26,530,250 | 2,593 |
| Average total loans | $179,488,750 | 2,346 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 2,681 |
| Cost of funding earning assets | 0.3762% | 3,322 |
| Net interest margin | 3.7715% | 2,400 |
| Noninterest income to average assets | 0.6374% | 2,273 |
| Noninterest expense to average assets | 2.8375% | 2,627 |
| Loan and lease loss provision to assets | 0.1367% | 1,515 |
| Net operating income to assets | 0.7599% | 3,590 |
| Return on assets (ROA) | 0.7604% | 3,640 |
| Pretax return on assets | 1.1671% | 2,909 |
| Return on Equity (ROE) | 6.7778% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.7778% | 1,698 |
| Net charge-offs to loans | 0.0125% | 3,018 |
| Credit loss provision to net charge-offs | 1,454.5455% | 299 |
| Earnings coverage of net charge-offs (x) | 138.6364% | 532 |
| Efficiency ratio | 65.0227% | 3,500 |
| Assets per employee ($millions) | 5.1827% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,759 |
| Loan loss allowance to noncurrent loans | 2,940.7895% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,138 |
| Noncurrent loans to loans | 0.0421% | 4,989 |
| Net loans and leases to total assets | 74.7135% | 1,748 |
| Net loans and leases to deposits | 86.4652% | 2,172 |
| Net loans and leases to core deposits | 90.0305% | 2,524 |
| Total domestic deposits to total assets | 86.4088% | 2,193 |
| Equity capital to assets | 11.2246% | 2,565 |
| Core capital (leverage) ratio | 10.7116% | 2,690 |
| Tier 1 risk-based capital ratio | 11.5392% | 4,933 |
| Total risk-based capital ratio | 12.5686% | 4,964 |
| Memoranda: | ||
| Average total assets | $234,080,330 | 2,646 |
| Average earning assets | $217,422,000 | 2,634 |
| Average equity | $26,262,330 | 2,611 |
| Average total loans | $176,488,670 | 2,374 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 2,795 |
| Cost of funding earning assets | 0.3714% | 3,295 |
| Net interest margin | 3.6898% | 2,521 |
| Noninterest income to average assets | 0.6019% | 2,404 |
| Noninterest expense to average assets | 2.7665% | 2,900 |
| Loan and lease loss provision to assets | 0.1380% | 1,378 |
| Net operating income to assets | 0.7370% | 3,531 |
| Return on assets (ROA) | 0.7382% | 3,576 |
| Pretax return on assets | 1.1090% | 2,943 |
| Return on Equity (ROE) | 6.5812% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.5812% | 2,040 |
| Net charge-offs to loans | 0.0183% | 2,422 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 590 |
| Efficiency ratio | 65.1333% | 3,643 |
| Assets per employee ($millions) | 5.2193% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,929 |
| Loan loss allowance to noncurrent loans | 4,495.8333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,257 |
| Noncurrent loans to loans | 0.0274% | 5,111 |
| Net loans and leases to total assets | 73.6585% | 1,795 |
| Net loans and leases to deposits | 85.2301% | 2,125 |
| Net loans and leases to core deposits | 89.4552% | 2,403 |
| Total domestic deposits to total assets | 86.4231% | 2,484 |
| Equity capital to assets | 11.1756% | 2,452 |
| Core capital (leverage) ratio | 10.6553% | 2,732 |
| Tier 1 risk-based capital ratio | 12.3933% | 4,452 |
| Total risk-based capital ratio | 13.4840% | 4,461 |
| Memoranda: | ||
| Average total assets | $231,918,500 | 2,694 |
| Average earning assets | $214,319,500 | 2,684 |
| Average equity | $26,013,500 | 2,638 |
| Average total loans | $174,555,500 | 2,412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 2,581 |
| Cost of funding earning assets | 0.3163% | 3,888 |
| Net interest margin | 3.8548% | 2,117 |
| Noninterest income to average assets | 0.8672% | 1,517 |
| Noninterest expense to average assets | 3.1914% | 1,811 |
| Loan and lease loss provision to assets | 0.1621% | 1,526 |
| Net operating income to assets | 0.7239% | 3,675 |
| Return on assets (ROA) | 0.7271% | 3,765 |
| Pretax return on assets | 1.0700% | 3,218 |
| Return on Equity (ROE) | 6.1641% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.1641% | 1,622 |
| Net charge-offs to loans | 0.0078% | 3,998 |
| Credit loss provision to net charge-offs | 2,661.5385% | 154 |
| Earnings coverage of net charge-offs (x) | 201.5385% | 338 |
| Efficiency ratio | 65.5958% | 3,664 |
| Assets per employee ($millions) | 5.0882% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,128 |
| Loan loss allowance to noncurrent loans | 4,013.4615% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,296 |
| Noncurrent loans to loans | 0.0299% | 5,148 |
| Net loans and leases to total assets | 75.0607% | 1,684 |
| Net loans and leases to deposits | 87.0423% | 2,044 |
| Net loans and leases to core deposits | 92.1345% | 2,290 |
| Total domestic deposits to total assets | 86.2348% | 2,481 |
| Equity capital to assets | 11.2588% | 2,364 |
| Core capital (leverage) ratio | 10.6529% | 2,719 |
| Tier 1 risk-based capital ratio | 12.3206% | 4,494 |
| Total risk-based capital ratio | 13.3875% | 4,508 |
| Memoranda: | ||
| Average total assets | $213,450,400 | 2,818 |
| Average earning assets | $196,662,400 | 2,826 |
| Average equity | $25,178,000 | 2,702 |
| Average total loans | $167,375,400 | 2,440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,551 |
| Cost of funding earning assets | 0.2956% | 4,149 |
| Net interest margin | 3.8933% | 1,997 |
| Noninterest income to average assets | 0.9365% | 1,288 |
| Noninterest expense to average assets | 3.1715% | 1,848 |
| Loan and lease loss provision to assets | 0.1699% | 1,338 |
| Net operating income to assets | 0.7872% | 3,426 |
| Return on assets (ROA) | 0.7914% | 3,547 |
| Pretax return on assets | 1.1967% | 2,852 |
| Return on Equity (ROE) | 6.6272% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.6272% | 1,833 |
| Net charge-offs to loans | 0.0072% | 3,664 |
| Credit loss provision to net charge-offs | 2,966.6667% | 170 |
| Earnings coverage of net charge-offs (x) | 237.5500% | 330 |
| Efficiency ratio | 63.2177% | 4,035 |
| Assets per employee ($millions) | 5.3261% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,480 |
| Loan loss allowance to noncurrent loans | 3,792.4528% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,414 |
| Noncurrent loans to loans | 0.0306% | 5,261 |
| Net loans and leases to total assets | 76.4972% | 1,438 |
| Net loans and leases to deposits | 88.9685% | 1,890 |
| Net loans and leases to core deposits | 92.8603% | 2,295 |
| Total domestic deposits to total assets | 85.9824% | 2,364 |
| Equity capital to assets | 11.4999% | 2,516 |
| Core capital (leverage) ratio | 11.1688% | 2,297 |
| Tier 1 risk-based capital ratio | 10.9954% | 5,371 |
| Total risk-based capital ratio | 11.9250% | 5,451 |
| Memoranda: | ||
| Average total assets | $209,571,000 | 2,874 |
| Average earning assets | $193,525,000 | 2,873 |
| Average equity | $25,027,750 | 2,730 |
| Average total loans | $165,731,250 | 2,461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,653 |
| Cost of funding earning assets | 0.2718% | 4,421 |
| Net interest margin | 3.8851% | 2,030 |
| Noninterest income to average assets | 0.9606% | 1,214 |
| Noninterest expense to average assets | 3.2353% | 1,727 |
| Loan and lease loss provision to assets | 0.1826% | 1,192 |
| Net operating income to assets | 0.7492% | 3,551 |
| Return on assets (ROA) | 0.7556% | 3,674 |
| Pretax return on assets | 1.1393% | 3,044 |
| Return on Equity (ROE) | 6.2431% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.2431% | 1,994 |
| Net charge-offs to loans | 0.0086% | 3,404 |
| Credit loss provision to net charge-offs | 2,671.4286% | 167 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 339 |
| Efficiency ratio | 64.2765% | 3,967 |
| Assets per employee ($millions) | 5.0837% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,890 |
| Loan loss allowance to noncurrent loans | 3,451.7857% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,485 |
| Noncurrent loans to loans | 0.0322% | 5,336 |
| Net loans and leases to total assets | 82.5659% | 566 |
| Net loans and leases to deposits | 95.3218% | 1,156 |
| Net loans and leases to core deposits | 98.3214% | 1,778 |
| Total domestic deposits to total assets | 86.6181% | 2,102 |
| Equity capital to assets | 12.1326% | 2,029 |
| Core capital (leverage) ratio | 11.3184% | 2,131 |
| Tier 1 risk-based capital ratio | 10.4117% | 5,713 |
| Total risk-based capital ratio | 11.2792% | 5,793 |
| Memoranda: | ||
| Average total assets | $204,862,330 | 2,934 |
| Average earning assets | $189,134,330 | 2,937 |
| Average equity | $24,795,330 | 2,763 |
| Average total loans | $163,264,330 | 2,493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 2,758 |
| Cost of funding earning assets | 0.2705% | 4,493 |
| Net interest margin | 3.8532% | 2,087 |
| Noninterest income to average assets | 1.0380% | 1,007 |
| Noninterest expense to average assets | 3.1732% | 1,898 |
| Loan and lease loss provision to assets | 0.1576% | 1,327 |
| Net operating income to assets | 0.8312% | 3,091 |
| Return on assets (ROA) | 0.8312% | 3,219 |
| Pretax return on assets | 1.2429% | 2,533 |
| Return on Equity (ROE) | 6.8760% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.8760% | 1,952 |
| Net charge-offs to loans | 0.0051% | 2,940 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 166 |
| Efficiency ratio | 62.4892% | 4,374 |
| Assets per employee ($millions) | 5.0382% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,790 |
| Loan loss allowance to noncurrent loans | 3,103.3898% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,527 |
| Noncurrent loans to loans | 0.0370% | 5,347 |
| Net loans and leases to total assets | 76.4023% | 1,331 |
| Net loans and leases to deposits | 87.1632% | 1,922 |
| Net loans and leases to core deposits | 88.9153% | 2,466 |
| Total domestic deposits to total assets | 87.6544% | 1,825 |
| Equity capital to assets | 12.0218% | 2,026 |
| Core capital (leverage) ratio | 11.3351% | 2,109 |
| Tier 1 risk-based capital ratio | 10.6585% | 5,679 |
| Total risk-based capital ratio | 11.5161% | 5,767 |
| Memoranda: | ||
| Average total assets | $203,078,000 | 2,953 |
| Average earning assets | $186,340,000 | 2,980 |
| Average equity | $24,549,000 | 2,784 |
| Average total loans | $157,883,500 | 2,550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,422 |
| Cost of funding earning assets | 0.2791% | 4,494 |
| Net interest margin | 3.9599% | 1,844 |
| Noninterest income to average assets | 1.3949% | 621 |
| Noninterest expense to average assets | 3.7240% | 951 |
| Loan and lease loss provision to assets | 0.3000% | 575 |
| Net operating income to assets | 0.6798% | 3,904 |
| Return on assets (ROA) | 0.6547% | 4,111 |
| Pretax return on assets | 0.9871% | 3,520 |
| Return on Equity (ROE) | 5.0681% | 4,470 |
| Retained earnings to average equity (ytd only) | -14.7849% | 6,087 |
| Net charge-offs to loans | 0.0257% | 3,720 |
| Credit loss provision to net charge-offs | 1,534.2857% | 225 |
| Earnings coverage of net charge-offs (x) | 67.7714% | 792 |
| Efficiency ratio | 67.6366% | 3,640 |
| Assets per employee ($millions) | 4.8680% | 2,504 |
| Cash dividends to net income (ytd only)* | 391.7235% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,912 |
| Loan loss allowance to noncurrent loans | 2,873.7705% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,567 |
| Noncurrent loans to loans | 0.0391% | 5,363 |
| Net loans and leases to total assets | 77.3394% | 1,204 |
| Net loans and leases to deposits | 88.2315% | 1,851 |
| Net loans and leases to core deposits | 89.6296% | 2,442 |
| Total domestic deposits to total assets | 87.6551% | 1,814 |
| Equity capital to assets | 12.1575% | 1,843 |
| Core capital (leverage) ratio | 11.3624% | 2,076 |
| Tier 1 risk-based capital ratio | 10.5954% | 5,732 |
| Total risk-based capital ratio | 11.4225% | 5,831 |
| Memoranda: | ||
| Average total assets | $179,003,200 | 3,183 |
| Average earning assets | $165,180,800 | 3,188 |
| Average equity | $23,125,000 | 2,869 |
| Average total loans | $136,104,800 | 2,781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,470 |
| Cost of funding earning assets | 0.2817% | 4,538 |
| Net interest margin | 3.9509% | 1,873 |
| Noninterest income to average assets | 1.1795% | 869 |
| Noninterest expense to average assets | 3.7892% | 864 |
| Loan and lease loss provision to assets | 0.2316% | 784 |
| Net operating income to assets | 0.5306% | 4,675 |
| Return on assets (ROA) | 0.4977% | 4,887 |
| Pretax return on assets | 0.7546% | 4,473 |
| Return on Equity (ROE) | 3.7886% | 5,106 |
| Retained earnings to average equity (ytd only) | -23.0117% | 6,212 |
| Net charge-offs to loans | -0.0010% | 4,663 |
| Credit loss provision to net charge-offs | -30,200.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2823% | 2,830 |
| Assets per employee ($millions) | 4.8286% | 2,519 |
| Cash dividends to net income (ytd only)* | 707.3973% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 4,513 |
| Loan loss allowance to noncurrent loans | 224.5665% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,379 |
| Noncurrent loans to loans | 0.4642% | 3,965 |
| Net loans and leases to total assets | 74.5146% | 1,637 |
| Net loans and leases to deposits | 85.0822% | 2,270 |
| Net loans and leases to core deposits | 86.1132% | 2,842 |
| Total domestic deposits to total assets | 87.5796% | 1,757 |
| Equity capital to assets | 12.0502% | 2,061 |
| Core capital (leverage) ratio | 10.8174% | 2,692 |
| Tier 1 risk-based capital ratio | 10.7161% | 5,794 |
| Total risk-based capital ratio | 11.4782% | 5,913 |
| Memoranda: | ||
| Average total assets | $173,856,750 | 3,277 |
| Average earning assets | $160,432,500 | 3,279 |
| Average equity | $22,840,000 | 2,915 |
| Average total loans | $131,102,500 | 2,884 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,582 |
| Cost of funding earning assets | 0.2816% | 4,594 |
| Net interest margin | 3.9078% | 1,948 |
| Noninterest income to average assets | 1.2098% | 831 |
| Noninterest expense to average assets | 3.8946% | 769 |
| Loan and lease loss provision to assets | 0.2316% | 796 |
| Net operating income to assets | 0.4619% | 4,937 |
| Return on assets (ROA) | 0.4547% | 5,058 |
| Pretax return on assets | 0.6887% | 4,694 |
| Return on Equity (ROE) | 3.3509% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.3509% | 3,911 |
| Net charge-offs to loans | -0.0048% | 4,727 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9563% | 2,544 |
| Assets per employee ($millions) | 4.4185% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 4,854 |
| Loan loss allowance to noncurrent loans | 227.3585% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 4,626 |
| Noncurrent loans to loans | 0.4414% | 4,159 |
| Net loans and leases to total assets | 70.1752% | 2,287 |
| Net loans and leases to deposits | 81.7595% | 2,589 |
| Net loans and leases to core deposits | 82.6947% | 3,113 |
| Total domestic deposits to total assets | 85.8312% | 2,781 |
| Equity capital to assets | 13.8204% | 1,044 |
| Core capital (leverage) ratio | 12.9793% | 1,178 |
| Tier 1 risk-based capital ratio | 12.6263% | 4,722 |
| Total risk-based capital ratio | 13.3260% | 4,985 |
| Memoranda: | ||
| Average total assets | $165,818,330 | 3,410 |
| Average earning assets | $153,435,670 | 3,394 |
| Average equity | $22,501,330 | 2,953 |
| Average total loans | $125,112,670 | 2,997 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,638 |
| Cost of funding earning assets | 0.3016% | 4,425 |
| Net interest margin | 3.8473% | 2,083 |
| Noninterest income to average assets | 1.3977% | 596 |
| Noninterest expense to average assets | 3.9374% | 735 |
| Loan and lease loss provision to assets | 0.2801% | 541 |
| Net operating income to assets | 0.5139% | 4,608 |
| Return on assets (ROA) | 0.5139% | 4,730 |
| Pretax return on assets | 0.7532% | 4,414 |
| Return on Equity (ROE) | 3.8362% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,701 |
| Net charge-offs to loans | 0.0035% | 3,202 |
| Credit loss provision to net charge-offs | 10,300.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 147 |
| Efficiency ratio | 75.4923% | 2,585 |
| Assets per employee ($millions) | 4.1137% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 4,330 |
| Loan loss allowance to noncurrent loans | 10,407.6923% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,919 |
| Noncurrent loans to loans | 0.0109% | 5,760 |
| Net loans and leases to total assets | 79.4006% | 755 |
| Net loans and leases to deposits | 92.3627% | 1,145 |
| Net loans and leases to core deposits | 94.1125% | 1,757 |
| Total domestic deposits to total assets | 85.9662% | 2,959 |
| Equity capital to assets | 13.3964% | 1,221 |
| Core capital (leverage) ratio | 13.4606% | 986 |
| Tier 1 risk-based capital ratio | 11.0875% | 5,764 |
| Total risk-based capital ratio | 11.8549% | 5,907 |
| Memoranda: | ||
| Average total assets | $147,102,500 | 3,695 |
| Average earning assets | $136,617,000 | 3,674 |
| Average equity | $19,707,000 | 3,262 |
| Average total loans | $115,630,500 | 3,168 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,846 |
| Cost of funding earning assets | 0.3206% | 4,576 |
| Net interest margin | 3.9100% | 2,202 |
| Noninterest income to average assets | 2.0753% | 320 |
| Noninterest expense to average assets | 4.0463% | 714 |
| Loan and lease loss provision to assets | 0.3388% | 572 |
| Net operating income to assets | 0.8923% | 2,917 |
| Return on assets (ROA) | 0.9057% | 2,930 |
| Pretax return on assets | 1.3071% | 2,219 |
| Return on Equity (ROE) | 6.7025% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.7025% | 1,546 |
| Net charge-offs to loans | 0.4329% | 978 |
| Credit loss provision to net charge-offs | 106.3205% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.1038% | 3,497 |
| Efficiency ratio | 66.6624% | 4,120 |
| Assets per employee ($millions) | 3.8451% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 4,473 |
| Loan loss allowance to noncurrent loans | 2,156.8966% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,877 |
| Noncurrent loans to loans | 0.0516% | 5,668 |
| Net loans and leases to total assets | 76.0172% | 1,261 |
| Net loans and leases to deposits | 88.3346% | 1,699 |
| Net loans and leases to core deposits | 89.9929% | 2,287 |
| Total domestic deposits to total assets | 86.0560% | 2,806 |
| Equity capital to assets | 13.3972% | 1,196 |
| Core capital (leverage) ratio | 13.3664% | 1,008 |
| Tier 1 risk-based capital ratio | 11.9809% | 5,380 |
| Total risk-based capital ratio | 12.7687% | 5,571 |
| Memoranda: | ||
| Average total assets | $139,014,200 | 3,820 |
| Average earning assets | $127,902,000 | 3,810 |
| Average equity | $18,784,000 | 3,311 |
| Average total loans | $102,334,000 | 3,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 2,856 |
| Cost of funding earning assets | 0.3248% | 4,618 |
| Net interest margin | 3.9119% | 2,191 |
| Noninterest income to average assets | 1.5573% | 521 |
| Noninterest expense to average assets | 3.9560% | 794 |
| Loan and lease loss provision to assets | 0.4556% | 341 |
| Net operating income to assets | 0.5375% | 4,723 |
| Return on assets (ROA) | 0.5567% | 4,724 |
| Pretax return on assets | 0.7646% | 4,487 |
| Return on Equity (ROE) | 4.1105% | 5,129 |
| Retained earnings to average equity (ytd only) | 4.1105% | 3,728 |
| Net charge-offs to loans | 0.4100% | 965 |
| Credit loss provision to net charge-offs | 152.7687% | 1,559 |
| Earnings coverage of net charge-offs (x) | 4.0033% | 3,550 |
| Efficiency ratio | 72.4769% | 3,091 |
| Assets per employee ($millions) | 3.8205% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 3,696 |
| Loan loss allowance to noncurrent loans | 1,689.0244% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 5,555 |
| Noncurrent loans to loans | 0.0764% | 5,718 |
| Net loans and leases to total assets | 74.9738% | 1,368 |
| Net loans and leases to deposits | 87.0661% | 1,782 |
| Net loans and leases to core deposits | 89.2376% | 2,292 |
| Total domestic deposits to total assets | 86.1113% | 2,797 |
| Equity capital to assets | 13.3482% | 1,256 |
| Core capital (leverage) ratio | 13.2876% | 1,069 |
| Tier 1 risk-based capital ratio | 12.2619% | 5,322 |
| Total risk-based capital ratio | 13.1913% | 5,444 |
| Memoranda: | ||
| Average total assets | $137,239,500 | 3,877 |
| Average earning assets | $126,038,500 | 3,876 |
| Average equity | $18,586,250 | 3,354 |
| Average total loans | $99,837,000 | 3,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,042 |
| Cost of funding earning assets | 0.3265% | 4,679 |
| Net interest margin | 3.8509% | 2,374 |
| Noninterest income to average assets | 1.5736% | 504 |
| Noninterest expense to average assets | 3.9156% | 840 |
| Loan and lease loss provision to assets | 0.6595% | 208 |
| Net operating income to assets | 0.4059% | 5,200 |
| Return on assets (ROA) | 0.4357% | 5,156 |
| Pretax return on assets | 0.5800% | 5,020 |
| Return on Equity (ROE) | 3.2014% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.2014% | 4,162 |
| Net charge-offs to loans | 0.6309% | 615 |
| Credit loss provision to net charge-offs | 145.9283% | 1,484 |
| Earnings coverage of net charge-offs (x) | 2.6547% | 3,497 |
| Efficiency ratio | 72.0863% | 3,318 |
| Assets per employee ($millions) | 3.8054% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 3,839 |
| Loan loss allowance to noncurrent loans | 1,567.8161% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,452 |
| Noncurrent loans to loans | 0.0831% | 5,769 |
| Net loans and leases to total assets | 75.4007% | 1,251 |
| Net loans and leases to deposits | 87.8315% | 1,612 |
| Net loans and leases to core deposits | 89.5741% | 2,165 |
| Total domestic deposits to total assets | 85.8470% | 3,127 |
| Equity capital to assets | 13.5924% | 1,125 |
| Core capital (leverage) ratio | 13.2010% | 1,087 |
| Tier 1 risk-based capital ratio | 12.7289% | 5,072 |
| Total risk-based capital ratio | 13.6972% | 5,183 |
| Memoranda: | ||
| Average total assets | $135,866,000 | 3,924 |
| Average earning assets | $124,957,330 | 3,911 |
| Average equity | $18,492,000 | 3,365 |
| Average total loans | $97,326,670 | 3,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 4,008 |
| Cost of funding earning assets | 0.3220% | 4,834 |
| Net interest margin | 3.5988% | 3,245 |
| Noninterest income to average assets | 1.8477% | 383 |
| Noninterest expense to average assets | 3.8788% | 887 |
| Loan and lease loss provision to assets | 0.6829% | 178 |
| Net operating income to assets | 0.4642% | 4,879 |
| Return on assets (ROA) | 0.4642% | 4,948 |
| Pretax return on assets | 0.6238% | 4,748 |
| Return on Equity (ROE) | 3.4080% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.4080% | 4,087 |
| Net charge-offs to loans | 1.2940% | 256 |
| Credit loss provision to net charge-offs | 76.2376% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.4587% | 3,093 |
| Efficiency ratio | 70.2395% | 3,795 |
| Assets per employee ($millions) | 3.7855% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,651 |
| Loan loss allowance to noncurrent loans | 395.5326% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 5,047 |
| Noncurrent loans to loans | 0.3023% | 5,206 |
| Net loans and leases to total assets | 69.8029% | 1,930 |
| Net loans and leases to deposits | 81.3272% | 2,125 |
| Net loans and leases to core deposits | 82.7694% | 2,663 |
| Total domestic deposits to total assets | 85.8297% | 3,445 |
| Equity capital to assets | 13.5759% | 1,078 |
| Core capital (leverage) ratio | 13.2362% | 1,077 |
| Tier 1 risk-based capital ratio | 14.7853% | 3,824 |
| Total risk-based capital ratio | 15.7454% | 3,967 |
| Memoranda: | ||
| Average total assets | $135,301,000 | 3,972 |
| Average earning assets | $125,485,000 | 3,938 |
| Average equity | $18,427,500 | 3,365 |
| Average total loans | $93,660,000 | 3,617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,407 |
| Cost of funding earning assets | 0.3466% | 5,174 |
| Net interest margin | 3.8366% | 2,515 |
| Noninterest income to average assets | 1.6555% | 525 |
| Noninterest expense to average assets | 4.0648% | 807 |
| Loan and lease loss provision to assets | 0.1917% | 1,928 |
| Net operating income to assets | 0.6648% | 3,961 |
| Return on assets (ROA) | 0.6648% | 4,060 |
| Pretax return on assets | 0.9048% | 3,750 |
| Return on Equity (ROE) | 4.8170% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.8170% | 2,719 |
| Net charge-offs to loans | -0.2007% | 6,612 |
| Credit loss provision to net charge-offs | -148.8095% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5255% | 3,210 |
| Assets per employee ($millions) | 3.6304% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,920 |
| Loan loss allowance to noncurrent loans | 344.5070% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 4,936 |
| Noncurrent loans to loans | 0.3899% | 5,032 |
| Net loans and leases to total assets | 66.8682% | 2,546 |
| Net loans and leases to deposits | 77.9681% | 2,724 |
| Net loans and leases to core deposits | 79.5466% | 3,185 |
| Total domestic deposits to total assets | 85.7635% | 3,382 |
| Equity capital to assets | 13.6640% | 1,003 |
| Core capital (leverage) ratio | 12.9369% | 1,164 |
| Tier 1 risk-based capital ratio | 15.5857% | 3,317 |
| Total risk-based capital ratio | 16.6748% | 3,368 |
| Memoranda: | ||
| Average total assets | $130,413,400 | 4,064 |
| Average earning assets | $119,169,000 | 4,063 |
| Average equity | $17,998,800 | 3,418 |
| Average total loans | $83,701,400 | 3,836 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 3,361 |
| Cost of funding earning assets | 0.3464% | 5,331 |
| Net interest margin | 3.8617% | 2,412 |
| Noninterest income to average assets | 1.7584% | 504 |
| Noninterest expense to average assets | 4.0369% | 817 |
| Loan and lease loss provision to assets | 0.2318% | 1,562 |
| Net operating income to assets | 0.7314% | 3,692 |
| Return on assets (ROA) | 0.7314% | 3,820 |
| Pretax return on assets | 1.0033% | 3,491 |
| Return on Equity (ROE) | 5.2855% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.2855% | 2,881 |
| Net charge-offs to loans | -0.2671% | 6,705 |
| Credit loss provision to net charge-offs | -137.1951% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2583% | 3,559 |
| Assets per employee ($millions) | 3.4614% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 3,849 |
| Loan loss allowance to noncurrent loans | 947.6190% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 5,846 |
| Noncurrent loans to loans | 0.1488% | 5,875 |
| Net loans and leases to total assets | 61.8233% | 3,390 |
| Net loans and leases to deposits | 72.0561% | 3,509 |
| Net loans and leases to core deposits | 73.6678% | 3,888 |
| Total domestic deposits to total assets | 85.7988% | 3,355 |
| Equity capital to assets | 13.4952% | 1,117 |
| Core capital (leverage) ratio | 12.8149% | 1,276 |
| Tier 1 risk-based capital ratio | 16.7295% | 2,849 |
| Total risk-based capital ratio | 17.8860% | 2,842 |
| Memoranda: | ||
| Average total assets | $129,435,750 | 4,129 |
| Average earning assets | $117,768,000 | 4,131 |
| Average equity | $17,910,000 | 3,474 |
| Average total loans | $81,866,000 | 3,920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 3,180 |
| Cost of funding earning assets | 0.3388% | 5,498 |
| Net interest margin | 3.9032% | 2,201 |
| Noninterest income to average assets | 1.7792% | 531 |
| Noninterest expense to average assets | 4.1040% | 768 |
| Loan and lease loss provision to assets | 0.2351% | 1,579 |
| Net operating income to assets | 0.7274% | 3,685 |
| Return on assets (ROA) | 0.7274% | 3,848 |
| Pretax return on assets | 0.9798% | 3,605 |
| Return on Equity (ROE) | 5.2113% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.2113% | 2,919 |
| Net charge-offs to loans | -0.2471% | 6,717 |
| Credit loss provision to net charge-offs | -150.0000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3843% | 3,407 |
| Assets per employee ($millions) | 3.4036% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 4,834 |
| Loan loss allowance to noncurrent loans | 850.8065% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 6,213 |
| Noncurrent loans to loans | 0.1446% | 5,964 |
| Net loans and leases to total assets | 63.8105% | 2,945 |
| Net loans and leases to deposits | 74.3901% | 3,092 |
| Net loans and leases to core deposits | 79.4548% | 3,097 |
| Total domestic deposits to total assets | 85.7782% | 3,487 |
| Equity capital to assets | 13.5197% | 1,127 |
| Core capital (leverage) ratio | 13.2457% | 1,073 |
| Tier 1 risk-based capital ratio | 16.5699% | 2,904 |
| Total risk-based capital ratio | 17.6015% | 2,968 |
| Memoranda: | ||
| Average total assets | $127,582,330 | 4,191 |
| Average earning assets | $115,700,330 | 4,213 |
| Average equity | $17,807,330 | 3,516 |
| Average total loans | $80,937,000 | 3,961 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 3,462 |
| Cost of funding earning assets | 0.3353% | 5,673 |
| Net interest margin | 3.8263% | 2,356 |
| Noninterest income to average assets | 1.6960% | 546 |
| Noninterest expense to average assets | 4.3199% | 615 |
| Loan and lease loss provision to assets | 0.2400% | 1,512 |
| Net operating income to assets | 0.4896% | 4,729 |
| Return on assets (ROA) | 0.4896% | 4,880 |
| Pretax return on assets | 0.6048% | 4,932 |
| Return on Equity (ROE) | 3.4502% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.4502% | 4,182 |
| Net charge-offs to loans | -0.1528% | 6,609 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6245% | 2,513 |
| Assets per employee ($millions) | 3.4126% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,756 |
| Loan loss allowance to noncurrent loans | 358.2677% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 5,721 |
| Noncurrent loans to loans | 0.2957% | 5,665 |
| Net loans and leases to total assets | 67.2979% | 2,142 |
| Net loans and leases to deposits | 78.8565% | 2,234 |
| Net loans and leases to core deposits | 84.1420% | 2,306 |
| Total domestic deposits to total assets | 85.3422% | 3,869 |
| Equity capital to assets | 14.1011% | 998 |
| Core capital (leverage) ratio | 13.5353% | 932 |
| Tier 1 risk-based capital ratio | 16.8206% | 2,849 |
| Total risk-based capital ratio | 17.7453% | 2,962 |
| Memoranda: | ||
| Average total assets | $125,003,500 | 4,283 |
| Average earning assets | $113,320,000 | 4,304 |
| Average equity | $17,738,000 | 3,558 |
| Average total loans | $78,527,000 | 4,051 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 5,072 |
| Cost of funding earning assets | 0.4176% | 5,805 |
| Net interest margin | 3.6491% | 3,882 |
| Noninterest income to average assets | 4.1278% | 180 |
| Noninterest expense to average assets | 5.0106% | 372 |
| Loan and lease loss provision to assets | 0.9367% | 463 |
| Net operating income to assets | 0.8342% | 3,120 |
| Return on assets (ROA) | 0.8492% | 3,301 |
| Pretax return on assets | 1.3444% | 2,232 |
| Return on Equity (ROE) | 6.3296% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.3296% | 1,909 |
| Net charge-offs to loans | 0.6713% | 1,756 |
| Credit loss provision to net charge-offs | 305.8673% | 790 |
| Earnings coverage of net charge-offs (x) | 7.3724% | 2,623 |
| Efficiency ratio | 58.7597% | 5,732 |
| Assets per employee ($millions) | 3.2563% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 5,439 |
| Loan loss allowance to noncurrent loans | 359.3750% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 6,066 |
| Noncurrent loans to loans | 0.3147% | 5,696 |
| Net loans and leases to total assets | 56.8644% | 4,138 |
| Net loans and leases to deposits | 66.7717% | 4,169 |
| Net loans and leases to core deposits | 71.3522% | 4,124 |
| Total domestic deposits to total assets | 85.1624% | 3,783 |
| Equity capital to assets | 14.2807% | 944 |
| Core capital (leverage) ratio | 14.0555% | 784 |
| Tier 1 risk-based capital ratio | 19.2081% | 1,895 |
| Total risk-based capital ratio | 20.1556% | 1,953 |
| Memoranda: | ||
| Average total assets | $128,009,000 | 4,188 |
| Average earning assets | $110,164,200 | 4,335 |
| Average equity | $17,173,400 | 3,593 |
| Average total loans | $58,393,200 | 4,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 4,440 |
| Cost of funding earning assets | 0.4416% | 5,861 |
| Net interest margin | 3.8618% | 3,066 |
| Noninterest income to average assets | 4.0946% | 182 |
| Noninterest expense to average assets | 5.1049% | 341 |
| Loan and lease loss provision to assets | 0.5278% | 1,131 |
| Net operating income to assets | 1.1623% | 1,863 |
| Return on assets (ROA) | 1.1827% | 1,981 |
| Pretax return on assets | 1.7901% | 1,074 |
| Return on Equity (ROE) | 8.9544% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.9544% | 1,247 |
| Net charge-offs to loans | 0.0918% | 4,457 |
| Credit loss provision to net charge-offs | 1,344.7368% | 208 |
| Earnings coverage of net charge-offs (x) | 58.2579% | 668 |
| Efficiency ratio | 57.3365% | 5,877 |
| Assets per employee ($millions) | 3.4597% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 6,627 |
| Loan loss allowance to noncurrent loans | 263.1285% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 6,332 |
| Noncurrent loans to loans | 0.2991% | 5,894 |
| Net loans and leases to total assets | 50.4731% | 5,255 |
| Net loans and leases to deposits | 62.8129% | 4,874 |
| Net loans and leases to core deposits | 63.8347% | 5,166 |
| Total domestic deposits to total assets | 80.3547% | 5,561 |
| Equity capital to assets | 15.0930% | 800 |
| Core capital (leverage) ratio | 12.8757% | 1,240 |
| Tier 1 risk-based capital ratio | 21.8325% | 1,360 |
| Total risk-based capital ratio | 22.4645% | 1,443 |
| Memoranda: | ||
| Average total assets | $129,076,250 | 4,207 |
| Average earning assets | $110,204,000 | 4,383 |
| Average equity | $17,049,000 | 3,647 |
| Average total loans | $55,199,250 | 4,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 5,332 |
| Cost of funding earning assets | 0.4401% | 6,030 |
| Net interest margin | 3.6550% | 4,013 |
| Noninterest income to average assets | 4.6053% | 148 |
| Noninterest expense to average assets | 4.5105% | 548 |
| Loan and lease loss provision to assets | 0.6125% | 958 |
| Net operating income to assets | 1.2537% | 1,559 |
| Return on assets (ROA) | 1.2537% | 1,722 |
| Pretax return on assets | 2.6443% | 244 |
| Return on Equity (ROE) | 9.9084% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.9084% | 1,000 |
| Net charge-offs to loans | 0.0522% | 4,676 |
| Credit loss provision to net charge-offs | 2,907.1429% | 105 |
| Earnings coverage of net charge-offs (x) | 154.5714% | 292 |
| Efficiency ratio | 53.2455% | 6,392 |
| Assets per employee ($millions) | 3.3377% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 6,635 |
| Loan loss allowance to noncurrent loans | 146.5190% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 3,126 |
| Noncurrent loans to loans | 0.5592% | 5,394 |
| Net loans and leases to total assets | 41.9806% | 6,186 |
| Net loans and leases to deposits | 50.7861% | 6,127 |
| Net loans and leases to core deposits | 51.6110% | 6,264 |
| Total domestic deposits to total assets | 82.6616% | 4,885 |
| Equity capital to assets | 12.9993% | 1,520 |
| Core capital (leverage) ratio | 11.7449% | 1,756 |
| Tier 1 risk-based capital ratio | 21.1546% | 1,453 |
| Total risk-based capital ratio | 21.7932% | 1,547 |
| Memoranda: | ||
| Average total assets | $132,891,330 | 4,143 |
| Average earning assets | $114,966,670 | 4,291 |
| Average equity | $16,814,000 | 3,677 |
| Average total loans | $53,651,330 | 5,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 5,673 |
| Cost of funding earning assets | 0.4571% | 6,102 |
| Net interest margin | 3.5729% | 4,383 |
| Noninterest income to average assets | 4.0277% | 168 |
| Noninterest expense to average assets | 4.5828% | 513 |
| Loan and lease loss provision to assets | 0.3832% | 1,640 |
| Net operating income to assets | 1.4753% | 1,069 |
| Return on assets (ROA) | 1.4753% | 1,195 |
| Pretax return on assets | 2.1511% | 584 |
| Return on Equity (ROE) | 11.8234% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.8234% | 847 |
| Net charge-offs to loans | 0.0996% | 3,539 |
| Credit loss provision to net charge-offs | 976.9231% | 360 |
| Earnings coverage of net charge-offs (x) | 64.6154% | 521 |
| Efficiency ratio | 59.0928% | 5,757 |
| Assets per employee ($millions) | 2.8854% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 7,163 |
| Loan loss allowance to noncurrent loans | 56.2691% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 2,862 |
| Noncurrent loans to loans | 0.5768% | 5,513 |
| Net loans and leases to total assets | 42.5776% | 6,136 |
| Net loans and leases to deposits | 50.8892% | 6,082 |
| Net loans and leases to core deposits | 51.5875% | 6,234 |
| Total domestic deposits to total assets | 83.6672% | 4,647 |
| Equity capital to assets | 12.6425% | 1,634 |
| Core capital (leverage) ratio | 11.5808% | 1,849 |
| Tier 1 risk-based capital ratio | 20.7448% | 1,538 |
| Total risk-based capital ratio | 21.0018% | 1,740 |
| Memoranda: | ||
| Average total assets | $132,583,500 | 4,174 |
| Average earning assets | $114,641,000 | 4,321 |
| Average equity | $16,543,500 | 3,725 |
| Average total loans | $52,222,000 | 5,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1907% | 7,276 |
| Cost of funding earning assets | 0.3437% | 7,027 |
| Net interest margin | 1.8470% | 7,249 |
| Noninterest income to average assets | 5.9605% | 104 |
| Noninterest expense to average assets | 2.9487% | 3,776 |
| Loan and lease loss provision to assets | 0.1520% | 4,720 |
| Net operating income to assets | 3.0095% | 87 |
| Return on assets (ROA) | 3.0095% | 87 |
| Pretax return on assets | 4.5060% | 65 |
| Return on Equity (ROE) | 23.5223% | 148 |
| Retained earnings to average equity (ytd only) | 23.5223% | 29 |
| Net charge-offs to loans | -0.0260% | 6,987 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9053% | 7,255 |
| Assets per employee ($millions) | 2.9431% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1466% | 7,268 |
| Loan loss allowance to noncurrent loans | 17.7665% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 2.6691% | 2,280 |
| Noncurrent loans to loans | 0.8252% | 5,037 |
| Net loans and leases to total assets | 35.9997% | 6,770 |
| Net loans and leases to deposits | 41.7594% | 6,803 |
| Net loans and leases to core deposits | 42.4276% | 6,873 |
| Total domestic deposits to total assets | 86.2073% | 3,194 |
| Equity capital to assets | 12.3127% | 1,902 |
| Core capital (leverage) ratio | 10.7114% | 2,512 |
| Tier 1 risk-based capital ratio | 24.5041% | 923 |
| Total risk-based capital ratio | 24.6245% | 1,032 |
| Memoranda: | ||
| Average total assets | $42,764,800 | 6,577 |
| Average earning assets | $38,115,000 | 6,600 |
| Average equity | $5,471,400 | 6,300 |
| Average total loans | $19,266,200 | 6,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7805% | 7,413 |
| Cost of funding earning assets | 0.1589% | 7,356 |
| Net interest margin | 0.6217% | 7,408 |
| Noninterest income to average assets | 0.1048% | 6,727 |
| Noninterest expense to average assets | 0.6225% | 7,403 |
| Loan and lease loss provision to assets | 0.0262% | 6,123 |
| Net operating income to assets | 0.0393% | 6,094 |
| Return on assets (ROA) | 0.0393% | 6,190 |
| Pretax return on assets | 0.0459% | 6,164 |
| Return on Equity (ROE) | 0.2896% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.2896% | 5,866 |
| Net charge-offs to loans | -0.0110% | 6,793 |
| Credit loss provision to net charge-offs | -400.0000% | 6,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6226% | 1,193 |
| Assets per employee ($millions) | 5.2190% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 7,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 42.5752% | 6,457 |
| Net loans and leases to deposits | 49.5678% | 6,524 |
| Net loans and leases to core deposits | 49.5678% | 6,691 |
| Total domestic deposits to total assets | 85.8929% | 3,271 |
| Equity capital to assets | 11.9324% | 2,304 |
| Core capital (leverage) ratio | 9.8618% | 3,631 |
| Tier 1 risk-based capital ratio | 17.1973% | 2,566 |
| Total risk-based capital ratio | 17.2408% | 3,082 |
| Memoranda: | ||
| Average total assets | $20,346,000 | 7,275 |
| Average earning assets | $19,303,250 | 7,229 |
| Average equity | $2,762,500 | 7,132 |
| Average total loans | $12,145,750 | 7,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 3,079 |
| Cost of funding earning assets | 0.7845% | 5,480 |
| Net interest margin | 4.2323% | 1,906 |
| Noninterest income to average assets | 0.1983% | 6,251 |
| Noninterest expense to average assets | 2.9649% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9916% | 2,266 |
| Return on assets (ROA) | 0.9916% | 2,365 |
| Pretax return on assets | 1.2990% | 2,140 |
| Return on Equity (ROE) | 7.0102% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.0102% | 1,872 |
| Net charge-offs to loans | -0.1814% | 7,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5349% | 4,197 |
| Assets per employee ($millions) | 3.4358% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5535% | 577 |
| Loan loss allowance to noncurrent loans | 187.8378% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 4,727 |
| Noncurrent loans to loans | 1.8918% | 3,617 |
| Net loans and leases to total assets | 54.9018% | 5,163 |
| Net loans and leases to deposits | 65.0422% | 5,144 |
| Net loans and leases to core deposits | 65.0422% | 5,607 |
| Total domestic deposits to total assets | 84.4094% | 4,166 |
| Equity capital to assets | 14.0917% | 1,073 |
| Core capital (leverage) ratio | 13.9858% | 873 |
| Tier 1 risk-based capital ratio | 22.3135% | 1,213 |
| Total risk-based capital ratio | 23.5886% | 1,179 |
| Memoranda: | ||
| Average total assets | $20,169,330 | 7,348 |
| Average earning assets | $19,374,670 | 7,299 |
| Average equity | $2,853,000 | 7,166 |
| Average total loans | $13,230,000 | 7,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 2,764 |
| Cost of funding earning assets | 0.8175% | 5,480 |
| Net interest margin | 4.2552% | 1,721 |
| Noninterest income to average assets | 0.2206% | 6,157 |
| Noninterest expense to average assets | 2.9679% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8824% | 2,651 |
| Return on assets (ROA) | 0.8824% | 2,715 |
| Pretax return on assets | 1.3235% | 1,968 |
| Return on Equity (ROE) | 6.2257% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,509 |
| Net charge-offs to loans | -0.2003% | 7,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1589% | 4,442 |
| Assets per employee ($millions) | 3.3432% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3055% | 707 |
| Loan loss allowance to noncurrent loans | 139.6610% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 4,048 |
| Noncurrent loans to loans | 2.3668% | 3,122 |
| Net loans and leases to total assets | 60.0828% | 4,245 |
| Net loans and leases to deposits | 71.2419% | 4,165 |
| Net loans and leases to core deposits | 71.2419% | 4,897 |
| Total domestic deposits to total assets | 84.3362% | 4,350 |
| Equity capital to assets | 14.2031% | 946 |
| Core capital (leverage) ratio | 14.1390% | 823 |
| Tier 1 risk-based capital ratio | 21.0429% | 1,386 |
| Total risk-based capital ratio | 22.3133% | 1,355 |
| Memoranda: | ||
| Average total assets | $19,946,500 | 7,408 |
| Average earning assets | $19,082,500 | 7,362 |
| Average equity | $2,827,000 | 7,217 |
| Average total loans | $13,977,500 | 7,141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1344% | 647 |
| Cost of funding earning assets | 0.9368% | 6,000 |
| Net interest margin | 5.1976% | 283 |
| Noninterest income to average assets | 0.2184% | 6,242 |
| Noninterest expense to average assets | 3.7687% | 1,543 |
| Loan and lease loss provision to assets | -2.0316% | 7,658 |
| Net operating income to assets | 2.2399% | 174 |
| Return on assets (ROA) | 2.2399% | 180 |
| Pretax return on assets | 3.4690% | 89 |
| Return on Equity (ROE) | 17.1716% | 461 |
| Retained earnings to average equity (ytd only) | 17.1716% | 81 |
| Net charge-offs to loans | -2.0492% | 7,608 |
| Credit loss provision to net charge-offs | 129.8701% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3902% | 3,723 |
| Assets per employee ($millions) | 3.3057% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6144% | 1,279 |
| Loan loss allowance to noncurrent loans | 182.4324% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 4,775 |
| Noncurrent loans to loans | 1.4331% | 4,341 |
| Net loans and leases to total assets | 76.0613% | 1,257 |
| Net loans and leases to deposits | 90.2003% | 1,498 |
| Net loans and leases to core deposits | 90.2003% | 2,739 |
| Total domestic deposits to total assets | 84.3249% | 4,213 |
| Equity capital to assets | 14.1424% | 994 |
| Core capital (leverage) ratio | 13.8123% | 891 |
| Tier 1 risk-based capital ratio | 17.6559% | 2,108 |
| Total risk-based capital ratio | 18.9211% | 2,071 |
| Memoranda: | ||
| Average total assets | $19,688,600 | 7,476 |
| Average earning assets | $18,893,400 | 7,432 |
| Average equity | $2,568,200 | 7,381 |
| Average total loans | $15,030,400 | 7,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3562% | 453 |
| Cost of funding earning assets | 0.9453% | 6,198 |
| Net interest margin | 5.4109% | 200 |
| Noninterest income to average assets | 0.2103% | 6,407 |
| Noninterest expense to average assets | 3.1480% | 3,117 |
| Loan and lease loss provision to assets | -1.3569% | 7,760 |
| Net operating income to assets | 2.3610% | 171 |
| Return on assets (ROA) | 2.3610% | 180 |
| Pretax return on assets | 3.6229% | 85 |
| Return on Equity (ROE) | 18.4930% | 434 |
| Retained earnings to average equity (ytd only) | 18.4930% | 103 |
| Net charge-offs to loans | -1.0459% | 7,702 |
| Credit loss provision to net charge-offs | 170.9402% | 2,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1454% | 6,249 |
| Assets per employee ($millions) | 3.2822% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7417% | 1,044 |
| Loan loss allowance to noncurrent loans | 125.0755% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6808% | 3,926 |
| Noncurrent loans to loans | 2.1921% | 3,457 |
| Net loans and leases to total assets | 74.5747% | 1,672 |
| Net loans and leases to deposits | 87.7090% | 2,045 |
| Net loans and leases to core deposits | 89.3309% | 3,198 |
| Total domestic deposits to total assets | 85.0251% | 3,607 |
| Equity capital to assets | 13.7714% | 1,249 |
| Core capital (leverage) ratio | 13.3979% | 1,090 |
| Tier 1 risk-based capital ratio | 16.8238% | 2,401 |
| Total risk-based capital ratio | 18.0893% | 2,359 |
| Memoranda: | ||
| Average total assets | $19,652,250 | 7,574 |
| Average earning assets | $18,899,750 | 7,524 |
| Average equity | $2,509,000 | 7,490 |
| Average total loans | $14,915,250 | 7,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8157% | 1,391 |
| Cost of funding earning assets | 0.9499% | 6,377 |
| Net interest margin | 4.8658% | 582 |
| Noninterest income to average assets | 0.2139% | 6,389 |
| Noninterest expense to average assets | 2.9941% | 3,736 |
| Loan and lease loss provision to assets | -1.0184% | 7,823 |
| Net operating income to assets | 1.8840% | 413 |
| Return on assets (ROA) | 1.8840% | 457 |
| Pretax return on assets | 2.9330% | 136 |
| Return on Equity (ROE) | 15.1557% | 827 |
| Retained earnings to average equity (ytd only) | 15.1557% | 233 |
| Net charge-offs to loans | -0.2558% | 7,674 |
| Credit loss provision to net charge-offs | 526.3158% | 702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9959% | 5,859 |
| Assets per employee ($millions) | 3.5132% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5695% | 1,226 |
| Loan loss allowance to noncurrent loans | 64.7975% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 3.0457% | 2,336 |
| Noncurrent loans to loans | 3.9654% | 1,924 |
| Net loans and leases to total assets | 74.8328% | 1,729 |
| Net loans and leases to deposits | 97.0947% | 949 |
| Net loans and leases to core deposits | 97.0947% | 2,321 |
| Total domestic deposits to total assets | 77.0720% | 6,491 |
| Equity capital to assets | 12.0926% | 2,049 |
| Core capital (leverage) ratio | 12.7132% | 1,323 |
| Tier 1 risk-based capital ratio | 14.8873% | 3,216 |
| Total risk-based capital ratio | 16.1547% | 3,176 |
| Memoranda: | ||
| Average total assets | $19,638,670 | 7,636 |
| Average earning assets | $18,948,670 | 7,585 |
| Average equity | $2,441,330 | 7,562 |
| Average total loans | $14,853,670 | 7,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7276% | 1,676 |
| Cost of funding earning assets | 0.9837% | 6,446 |
| Net interest margin | 4.7438% | 714 |
| Noninterest income to average assets | 0.1903% | 6,605 |
| Noninterest expense to average assets | 3.1715% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9937% | 2,214 |
| Return on assets (ROA) | 0.9937% | 2,279 |
| Pretax return on assets | 1.6069% | 1,251 |
| Return on Equity (ROE) | 7.8743% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.8743% | 1,760 |
| Net charge-offs to loans | -0.5076% | 7,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3717% | 5,039 |
| Assets per employee ($millions) | 3.1588% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4937% | 551 |
| Loan loss allowance to noncurrent loans | 85.5482% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 3.1763% | 2,255 |
| Noncurrent loans to loans | 4.0838% | 1,903 |
| Net loans and leases to total assets | 75.0594% | 1,730 |
| Net loans and leases to deposits | 86.3805% | 2,517 |
| Net loans and leases to core deposits | 86.3805% | 3,840 |
| Total domestic deposits to total assets | 86.8939% | 2,680 |
| Equity capital to assets | 12.7209% | 1,642 |
| Core capital (leverage) ratio | 12.6283% | 1,354 |
| Tier 1 risk-based capital ratio | 15.7079% | 2,778 |
| Total risk-based capital ratio | 16.9848% | 2,709 |
| Memoranda: | ||
| Average total assets | $18,918,500 | 7,750 |
| Average earning assets | $18,297,500 | 7,700 |
| Average equity | $2,387,500 | 7,667 |
| Average total loans | $14,185,500 | 7,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2460% | 1,129 |
| Cost of funding earning assets | 1.3123% | 6,266 |
| Net interest margin | 4.9337% | 514 |
| Noninterest income to average assets | 0.2805% | 6,101 |
| Noninterest expense to average assets | 3.9706% | 1,403 |
| Loan and lease loss provision to assets | -0.8092% | 8,011 |
| Net operating income to assets | 1.1707% | 1,327 |
| Return on assets (ROA) | 1.1707% | 1,368 |
| Pretax return on assets | 1.8450% | 580 |
| Return on Equity (ROE) | 9.6479% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.6479% | 408 |
| Net charge-offs to loans | -2.8267% | 7,961 |
| Credit loss provision to net charge-offs | 39.7878% | 6,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 2,989 |
| Assets per employee ($millions) | 3.1473% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6464% | 468 |
| Loan loss allowance to noncurrent loans | 82.5581% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 3.1879% | 2,160 |
| Noncurrent loans to loans | 4.4167% | 1,620 |
| Net loans and leases to total assets | 69.5456% | 3,350 |
| Net loans and leases to deposits | 79.8456% | 4,023 |
| Net loans and leases to core deposits | 96.3890% | 4,413 |
| Total domestic deposits to total assets | 87.1002% | 2,438 |
| Equity capital to assets | 12.5185% | 1,740 |
| Core capital (leverage) ratio | 12.5053% | 1,454 |
| Tier 1 risk-based capital ratio | 16.2151% | 2,428 |
| Total risk-based capital ratio | 17.4909% | 2,359 |
| Memoranda: | ||
| Average total assets | $18,536,200 | 7,819 |
| Average earning assets | $17,755,400 | 7,768 |
| Average equity | $2,249,200 | 7,792 |
| Average total loans | $13,337,000 | 7,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4230% | 883 |
| Cost of funding earning assets | 1.3828% | 6,295 |
| Net interest margin | 5.0402% | 410 |
| Noninterest income to average assets | 0.2891% | 6,167 |
| Noninterest expense to average assets | 3.3749% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1274% | 1,646 |
| Return on assets (ROA) | 1.1274% | 1,718 |
| Pretax return on assets | 1.7344% | 905 |
| Return on Equity (ROE) | 9.3668% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.3668% | 747 |
| Net charge-offs to loans | -2.2014% | 8,043 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0537% | 5,351 |
| Assets per employee ($millions) | 3.1113% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8748% | 323 |
| Loan loss allowance to noncurrent loans | 82.8814% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 3.1605% | 2,154 |
| Noncurrent loans to loans | 4.6751% | 1,471 |
| Net loans and leases to total assets | 64.9829% | 4,652 |
| Net loans and leases to deposits | 74.3640% | 5,313 |
| Net loans and leases to core deposits | 91.1215% | 5,320 |
| Total domestic deposits to total assets | 87.3848% | 1,954 |
| Equity capital to assets | 12.3366% | 2,044 |
| Core capital (leverage) ratio | 12.3465% | 1,643 |
| Tier 1 risk-based capital ratio | 16.7613% | 2,344 |
| Total risk-based capital ratio | 18.0422% | 2,289 |
| Memoranda: | ||
| Average total assets | $18,449,250 | 7,897 |
| Average earning assets | $17,644,500 | 7,854 |
| Average equity | $2,220,500 | 7,878 |
| Average total loans | $13,263,750 | 7,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5914% | 670 |
| Cost of funding earning assets | 1.4686% | 6,265 |
| Net interest margin | 5.1229% | 343 |
| Noninterest income to average assets | 0.3047% | 6,082 |
| Noninterest expense to average assets | 3.3304% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1754% | 1,548 |
| Return on assets (ROA) | 1.1754% | 1,630 |
| Pretax return on assets | 1.8720% | 738 |
| Return on Equity (ROE) | 9.8495% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.8495% | 762 |
| Net charge-offs to loans | -3.3387% | 8,136 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0167% | 5,914 |
| Assets per employee ($millions) | 3.1510% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7313% | 315 |
| Loan loss allowance to noncurrent loans | 73.1167% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 3.5809% | 1,735 |
| Noncurrent loans to loans | 5.1033% | 1,187 |
| Net loans and leases to total assets | 67.5500% | 4,241 |
| Net loans and leases to deposits | 76.8782% | 5,041 |
| Net loans and leases to core deposits | 88.9469% | 5,638 |
| Total domestic deposits to total assets | 87.8663% | 1,831 |
| Equity capital to assets | 11.9274% | 2,248 |
| Core capital (leverage) ratio | 12.0268% | 1,819 |
| Tier 1 risk-based capital ratio | 15.7106% | 2,726 |
| Total risk-based capital ratio | 16.9854% | 2,650 |
| Memoranda: | ||
| Average total assets | $18,376,330 | 7,981 |
| Average earning assets | $17,568,330 | 7,931 |
| Average equity | $2,193,000 | 7,963 |
| Average total loans | $13,478,330 | 7,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2100% | 1,566 |
| Cost of funding earning assets | 1.6160% | 5,963 |
| Net interest margin | 4.5940% | 950 |
| Noninterest income to average assets | 0.3534% | 5,615 |
| Noninterest expense to average assets | 3.7103% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6626% | 3,748 |
| Return on assets (ROA) | 0.6626% | 3,925 |
| Pretax return on assets | 1.0380% | 3,211 |
| Return on Equity (ROE) | 5.5504% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.5504% | 2,843 |
| Net charge-offs to loans | -1.3545% | 8,167 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1395% | 3,141 |
| Assets per employee ($millions) | 2.9567% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 882 |
| Loan loss allowance to noncurrent loans | 36.0319% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 4.9436% | 918 |
| Noncurrent loans to loans | 6.5836% | 657 |
| Net loans and leases to total assets | 73.3089% | 2,935 |
| Net loans and leases to deposits | 83.9466% | 3,991 |
| Net loans and leases to core deposits | 98.2028% | 4,723 |
| Total domestic deposits to total assets | 87.3281% | 2,048 |
| Equity capital to assets | 12.2717% | 2,096 |
| Core capital (leverage) ratio | 11.7327% | 2,028 |
| Tier 1 risk-based capital ratio | 14.9615% | 3,085 |
| Total risk-based capital ratio | 16.2228% | 3,014 |
| Memoranda: | ||
| Average total assets | $18,111,500 | 8,034 |
| Average earning assets | $17,327,000 | 7,982 |
| Average equity | $2,162,000 | 8,020 |
| Average total loans | $13,584,500 | 7,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7528% | 1,856 |
| Cost of funding earning assets | 2.3395% | 4,972 |
| Net interest margin | 4.4133% | 1,650 |
| Noninterest income to average assets | 0.2688% | 6,533 |
| Noninterest expense to average assets | 3.5599% | 2,240 |
| Loan and lease loss provision to assets | 2.7700% | 345 |
| Net operating income to assets | -1.2397% | 7,364 |
| Return on assets (ROA) | -1.2397% | 7,303 |
| Pretax return on assets | -1.8705% | 7,397 |
| Return on Equity (ROE) | -9.6962% | 7,259 |
| Retained earnings to average equity (ytd only) | -9.6962% | 7,049 |
| Net charge-offs to loans | 4.1833% | 149 |
| Credit loss provision to net charge-offs | 86.9191% | 5,744 |
| Earnings coverage of net charge-offs (x) | 0.2823% | 6,061 |
| Efficiency ratio | 79.8278% | 2,622 |
| Assets per employee ($millions) | 3.0805% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,320 |
| Loan loss allowance to noncurrent loans | 47.6190% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.0677% | 1,497 |
| Noncurrent loans to loans | 4.0945% | 1,189 |
| Net loans and leases to total assets | 73.4621% | 3,246 |
| Net loans and leases to deposits | 83.4799% | 4,501 |
| Net loans and leases to core deposits | 98.5556% | 4,980 |
| Total domestic deposits to total assets | 87.9998% | 1,471 |
| Equity capital to assets | 11.6161% | 2,559 |
| Core capital (leverage) ratio | 11.2137% | 2,422 |
| Tier 1 risk-based capital ratio | 13.9217% | 3,581 |
| Total risk-based capital ratio | 15.1757% | 3,503 |
| Memoranda: | ||
| Average total assets | $18,230,800 | 8,069 |
| Average earning assets | $17,311,400 | 8,028 |
| Average equity | $2,330,800 | 8,041 |
| Average total loans | $13,888,400 | 7,711 |