Home > Premier Bank Rochester > Performance and Condition Ratios
Premier Bank Rochester, Performance and Condition Ratios
| 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 | 3.7235% | 1,967 |
| Cost of funding earning assets | 0.2269% | 2,966 |
| Net interest margin | 3.4966% | 1,673 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9924% | 3,502 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.4156% | 1,043 |
| Return on assets (ROA) | 1.4156% | 1,016 |
| Pretax return on assets | 1.4156% | 1,667 |
| Return on Equity (ROE) | 17.4800% | 713 |
| Retained earnings to average equity (ytd only) | 10.7337% | 1,123 |
| Net charge-offs to loans | 0.1966% | 334 |
| Credit loss provision to net charge-offs | 167.9525% | 1,071 |
| Earnings coverage of net charge-offs (x) | 11.2344% | 1,954 |
| Efficiency ratio | 54.4843% | 3,776 |
| Assets per employee ($millions) | 9.1238% | 854 |
| Cash dividends to net income (ytd only)* | 38.6025% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,132 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,180 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 80.1600% | 517 |
| Net loans and leases to deposits | 93.2028% | 685 |
| Net loans and leases to core deposits | 101.8787% | 750 |
| Total domestic deposits to total assets | 86.0100% | 3,067 |
| Equity capital to assets | 8.4960% | 2,550 |
| Core capital (leverage) ratio | 9.2994% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5867% | 2,628 |
| Memoranda: | ||
| Average total assets | $303,271,750 | 2,451 |
| Average earning assets | $291,441,000 | 2,392 |
| Average equity | $24,557,500 | 2,647 |
| Average total loans | $228,511,000 | 2,060 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 2,115 |
| Cost of funding earning assets | 0.1576% | 3,485 |
| Net interest margin | 3.3509% | 1,753 |
| Noninterest income to average assets | 0.3115% | 3,295 |
| Noninterest expense to average assets | 1.9769% | 3,494 |
| Loan and lease loss provision to assets | 0.2935% | 225 |
| Net operating income to assets | 1.2629% | 1,247 |
| Return on assets (ROA) | 1.2629% | 1,227 |
| Pretax return on assets | 1.2629% | 1,860 |
| Return on Equity (ROE) | 15.8329% | 731 |
| Retained earnings to average equity (ytd only) | 9.5418% | 1,132 |
| Net charge-offs to loans | 0.2955% | 235 |
| Credit loss provision to net charge-offs | 135.0148% | 1,137 |
| Earnings coverage of net charge-offs (x) | 7.1602% | 1,864 |
| Efficiency ratio | 55.9511% | 3,781 |
| Assets per employee ($millions) | 9.2770% | 813 |
| Cash dividends to net income (ytd only)* | 39.7344% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,297 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.3579% | 693 |
| Net loans and leases to deposits | 83.4640% | 1,157 |
| Net loans and leases to core deposits | 90.5655% | 1,091 |
| Total domestic deposits to total assets | 91.4860% | 1,033 |
| Equity capital to assets | 8.1431% | 3,012 |
| Core capital (leverage) ratio | 8.9913% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0262% | 2,812 |
| Memoranda: | ||
| Average total assets | $310,083,000 | 2,433 |
| Average earning assets | $298,132,333 | 2,388 |
| Average equity | $24,733,333 | 2,698 |
| Average total loans | $228,126,333 | 2,063 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 2,167 |
| Cost of funding earning assets | 0.1613% | 3,351 |
| Net interest margin | 3.2123% | 1,848 |
| Noninterest income to average assets | 0.3069% | 3,269 |
| Noninterest expense to average assets | 1.8883% | 3,705 |
| Loan and lease loss provision to assets | 0.4560% | 108 |
| Net operating income to assets | 1.0572% | 1,665 |
| Return on assets (ROA) | 1.0572% | 1,657 |
| Pretax return on assets | 1.0572% | 2,274 |
| Return on Equity (ROE) | 13.3850% | 959 |
| Retained earnings to average equity (ytd only) | 10.2187% | 971 |
| Net charge-offs to loans | 0.5927% | 115 |
| Credit loss provision to net charge-offs | 107.1217% | 977 |
| Earnings coverage of net charge-offs (x) | 3.5549% | 1,661 |
| Efficiency ratio | 55.5143% | 3,920 |
| Assets per employee ($millions) | 10.2856% | 633 |
| Cash dividends to net income (ytd only)* | 23.6559% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 2,236 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.4007% | 796 |
| Net loans and leases to deposits | 78.9616% | 1,212 |
| Net loans and leases to core deposits | 85.6641% | 1,151 |
| Total domestic deposits to total assets | 91.6910% | 701 |
| Equity capital to assets | 7.9428% | 3,613 |
| Core capital (leverage) ratio | 8.4872% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0179% | 2,887 |
| Memoranda: | ||
| Average total assets | $316,692,000 | 2,410 |
| Average earning assets | $305,074,500 | 2,364 |
| Average equity | $25,013,000 | 2,775 |
| Average total loans | $227,435,500 | 2,064 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 1,593 |
| Cost of funding earning assets | 0.2827% | 2,574 |
| Net interest margin | 3.6245% | 1,399 |
| Noninterest income to average assets | 0.3880% | 3,117 |
| Noninterest expense to average assets | 2.0374% | 3,560 |
| Loan and lease loss provision to assets | 0.0206% | 2,655 |
| Net operating income to assets | 1.6284% | 743 |
| Return on assets (ROA) | 1.6284% | 783 |
| Pretax return on assets | 1.7994% | 915 |
| Return on Equity (ROE) | 18.6845% | 400 |
| Retained earnings to average equity (ytd only) | 12.2496% | 509 |
| Net charge-offs to loans | -0.0168% | 3,919 |
| Credit loss provision to net charge-offs | -156.7568% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8164% | 4,052 |
| Assets per employee ($millions) | 10.8272% | 532 |
| Cash dividends to net income (ytd only)* | 34.4398% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,953 |
| Loan loss allowance to noncurrent loans | 280.5383% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 1,901 |
| Noncurrent loans to loans | 0.4223% | 2,082 |
| Net loans and leases to total assets | 69.5845% | 1,086 |
| Net loans and leases to deposits | 75.8083% | 1,581 |
| Net loans and leases to core deposits | 82.8368% | 1,398 |
| Total domestic deposits to total assets | 91.7901% | 239 |
| Equity capital to assets | 7.8559% | 4,444 |
| Core capital (leverage) ratio | 8.5287% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6361% | 2,961 |
| Memoranda: | ||
| Average total assets | $281,198,000 | 2,528 |
| Average earning assets | $269,165,200 | 2,495 |
| Average equity | $24,507,000 | 2,881 |
| Average total loans | $220,675,400 | 2,098 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 1,335 |
| Cost of funding earning assets | 0.3221% | 2,384 |
| Net interest margin | 3.7647% | 1,199 |
| Noninterest income to average assets | 0.3073% | 3,590 |
| Noninterest expense to average assets | 2.0456% | 3,536 |
| Loan and lease loss provision to assets | 0.0285% | 2,429 |
| Net operating income to assets | 1.6466% | 927 |
| Return on assets (ROA) | 1.6466% | 967 |
| Pretax return on assets | 1.8187% | 1,119 |
| Return on Equity (ROE) | 18.3494% | 588 |
| Retained earnings to average equity (ytd only) | 12.8083% | 668 |
| Net charge-offs to loans | -0.0226% | 4,013 |
| Credit loss provision to net charge-offs | -156.7568% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5469% | 3,978 |
| Assets per employee ($millions) | 9.6124% | 737 |
| Cash dividends to net income (ytd only)* | 30.1977% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,746 |
| Loan loss allowance to noncurrent loans | 192.1986% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 1,441 |
| Noncurrent loans to loans | 0.6494% | 1,685 |
| Net loans and leases to total assets | 74.3563% | 663 |
| Net loans and leases to deposits | 81.6774% | 1,138 |
| Net loans and leases to core deposits | 89.3094% | 1,074 |
| Total domestic deposits to total assets | 91.0365% | 358 |
| Equity capital to assets | 8.7252% | 4,051 |
| Core capital (leverage) ratio | 8.8036% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5743% | 2,835 |
| Memoranda: | ||
| Average total assets | $270,293,750 | 2,621 |
| Average earning assets | $257,439,750 | 2,585 |
| Average equity | $24,254,500 | 2,925 |
| Average total loans | $218,661,500 | 2,143 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 1,044 |
| Cost of funding earning assets | 0.3510% | 2,311 |
| Net interest margin | 3.9230% | 928 |
| Noninterest income to average assets | 0.3133% | 3,551 |
| Noninterest expense to average assets | 2.0941% | 3,409 |
| Loan and lease loss provision to assets | 0.0439% | 2,138 |
| Net operating income to assets | 1.9306% | 555 |
| Return on assets (ROA) | 1.9306% | 578 |
| Pretax return on assets | 1.9306% | 952 |
| Return on Equity (ROE) | 21.3006% | 366 |
| Retained earnings to average equity (ytd only) | 13.1344% | 693 |
| Net charge-offs to loans | -0.0119% | 3,736 |
| Credit loss provision to net charge-offs | -446.1538% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4695% | 4,097 |
| Assets per employee ($millions) | 9.2993% | 775 |
| Cash dividends to net income (ytd only)* | 38.3379% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,871 |
| Loan loss allowance to noncurrent loans | 591.6300% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,879 |
| Noncurrent loans to loans | 0.2045% | 3,224 |
| Net loans and leases to total assets | 81.3089% | 248 |
| Net loans and leases to deposits | 89.7931% | 665 |
| Net loans and leases to core deposits | 98.2313% | 711 |
| Total domestic deposits to total assets | 90.5514% | 536 |
| Equity capital to assets | 9.0671% | 3,742 |
| Core capital (leverage) ratio | 9.0171% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7057% | 2,807 |
| Memoranda: | ||
| Average total assets | $264,268,000 | 2,654 |
| Average earning assets | $252,971,667 | 2,611 |
| Average equity | $23,952,333 | 2,942 |
| Average total loans | $219,171,333 | 2,150 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 606 |
| Cost of funding earning assets | 0.3858% | 2,211 |
| Net interest margin | 4.2657% | 549 |
| Noninterest income to average assets | 0.2615% | 3,829 |
| Noninterest expense to average assets | 2.0033% | 3,709 |
| Loan and lease loss provision to assets | 0.0734% | 1,710 |
| Net operating income to assets | 2.2771% | 371 |
| Return on assets (ROA) | 2.2771% | 400 |
| Pretax return on assets | 2.2771% | 611 |
| Return on Equity (ROE) | 25.1282% | 255 |
| Retained earnings to average equity (ytd only) | 25.1282% | 140 |
| Net charge-offs to loans | -0.0202% | 4,006 |
| Credit loss provision to net charge-offs | -436.3636% | 3,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0133% | 4,472 |
| Assets per employee ($millions) | 9.5040% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,056 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.9746% | 284 |
| Net loans and leases to deposits | 89.6158% | 719 |
| Net loans and leases to core deposits | 98.6978% | 768 |
| Total domestic deposits to total assets | 90.3574% | 640 |
| Equity capital to assets | 9.1747% | 3,513 |
| Core capital (leverage) ratio | 9.2916% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6458% | 2,781 |
| Memoranda: | ||
| Average total assets | $261,562,500 | 2,659 |
| Average earning assets | $250,932,000 | 2,606 |
| Average equity | $23,702,500 | 2,951 |
| Average total loans | $217,777,500 | 2,155 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 1,152 |
| Cost of funding earning assets | 0.7110% | 1,670 |
| Net interest margin | 3.8601% | 1,330 |
| Noninterest income to average assets | 0.2693% | 3,866 |
| Noninterest expense to average assets | 2.1034% | 3,928 |
| Loan and lease loss provision to assets | 0.4676% | 578 |
| Net operating income to assets | 1.3939% | 1,031 |
| Return on assets (ROA) | 1.3939% | 1,124 |
| Pretax return on assets | 1.3939% | 1,677 |
| Return on Equity (ROE) | 15.0913% | 630 |
| Retained earnings to average equity (ytd only) | 1.3036% | 4,104 |
| Net charge-offs to loans | 0.1518% | 1,071 |
| Credit loss provision to net charge-offs | 373.3974% | 1,513 |
| Earnings coverage of net charge-offs (x) | 14.8654% | 2,192 |
| Efficiency ratio | 53.0519% | 4,306 |
| Assets per employee ($millions) | 8.8625% | 776 |
| Cash dividends to net income (ytd only)* | 91.3619% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,927 |
| Loan loss allowance to noncurrent loans | 1,013.5659% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,555 |
| Noncurrent loans to loans | 0.1187% | 3,811 |
| Net loans and leases to total assets | 83.5689% | 199 |
| Net loans and leases to deposits | 92.1768% | 765 |
| Net loans and leases to core deposits | 101.3558% | 841 |
| Total domestic deposits to total assets | 90.6616% | 317 |
| Equity capital to assets | 8.9451% | 4,107 |
| Core capital (leverage) ratio | 8.8373% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1295% | 2,889 |
| Memoranda: | ||
| Average total assets | $249,165,200 | 2,584 |
| Average earning assets | $238,542,600 | 2,534 |
| Average equity | $23,013,200 | 2,938 |
| Average total loans | $205,518,600 | 2,192 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,118 |
| Cost of funding earning assets | 0.7910% | 1,548 |
| Net interest margin | 3.8849% | 1,389 |
| Noninterest income to average assets | 0.2389% | 4,058 |
| Noninterest expense to average assets | 2.0846% | 3,978 |
| Loan and lease loss provision to assets | 0.5890% | 433 |
| Net operating income to assets | 1.2820% | 1,393 |
| Return on assets (ROA) | 1.2820% | 1,501 |
| Pretax return on assets | 1.2820% | 2,126 |
| Return on Equity (ROE) | 13.7680% | 923 |
| Retained earnings to average equity (ytd only) | -0.4692% | 4,552 |
| Net charge-offs to loans | 0.2436% | 630 |
| Credit loss provision to net charge-offs | 295.1351% | 1,778 |
| Earnings coverage of net charge-offs (x) | 9.3757% | 2,430 |
| Efficiency ratio | 52.6998% | 4,283 |
| Assets per employee ($millions) | 8.8567% | 731 |
| Cash dividends to net income (ytd only)* | 103.4077% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,211 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.0193% | 518 |
| Net loans and leases to deposits | 89.3529% | 1,335 |
| Net loans and leases to core deposits | 99.8733% | 1,171 |
| Total domestic deposits to total assets | 90.6734% | 238 |
| Equity capital to assets | 8.8166% | 4,243 |
| Core capital (leverage) ratio | 8.5568% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2643% | 2,852 |
| Memoranda: | ||
| Average total assets | $247,203,250 | 2,581 |
| Average earning assets | $236,496,500 | 2,532 |
| Average equity | $23,019,000 | 2,936 |
| Average total loans | $202,548,750 | 2,210 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 958 |
| Cost of funding earning assets | 0.8646% | 1,523 |
| Net interest margin | 4.0454% | 1,231 |
| Noninterest income to average assets | 0.2139% | 4,206 |
| Noninterest expense to average assets | 2.1944% | 3,805 |
| Loan and lease loss provision to assets | 0.4746% | 787 |
| Net operating income to assets | 1.4189% | 1,070 |
| Return on assets (ROA) | 1.4189% | 1,160 |
| Pretax return on assets | 1.4189% | 1,679 |
| Return on Equity (ROE) | 14.9587% | 712 |
| Retained earnings to average equity (ytd only) | 7.4146% | 1,498 |
| Net charge-offs to loans | 0.2412% | 650 |
| Credit loss provision to net charge-offs | 240.2490% | 1,773 |
| Earnings coverage of net charge-offs (x) | 9.5851% | 2,210 |
| Efficiency ratio | 53.6796% | 4,215 |
| Assets per employee ($millions) | 8.9838% | 680 |
| Cash dividends to net income (ytd only)* | 50.4333% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,508 |
| Loan loss allowance to noncurrent loans | 1,567.1642% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,047 |
| Noncurrent loans to loans | 0.0647% | 4,218 |
| Net loans and leases to total assets | 78.7446% | 750 |
| Net loans and leases to deposits | 87.2777% | 1,632 |
| Net loans and leases to core deposits | 100.3311% | 1,237 |
| Total domestic deposits to total assets | 90.2230% | 340 |
| Equity capital to assets | 9.0565% | 4,035 |
| Core capital (leverage) ratio | 9.0704% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5341% | 2,803 |
| Memoranda: | ||
| Average total assets | $243,989,333 | 2,580 |
| Average earning assets | $233,647,333 | 2,528 |
| Average equity | $23,143,667 | 2,919 |
| Average total loans | $199,872,333 | 2,222 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,721 |
| Cost of funding earning assets | 0.9300% | 1,740 |
| Net interest margin | 3.7660% | 2,097 |
| Noninterest income to average assets | 0.2630% | 3,965 |
| Noninterest expense to average assets | 2.2841% | 3,805 |
| Loan and lease loss provision to assets | 0.1782% | 1,669 |
| Net operating income to assets | 1.4017% | 969 |
| Return on assets (ROA) | 1.4017% | 1,052 |
| Pretax return on assets | 1.4017% | 1,560 |
| Return on Equity (ROE) | 14.4166% | 624 |
| Retained earnings to average equity (ytd only) | 14.4166% | 226 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1129% | 3,852 |
| Assets per employee ($millions) | 8.4296% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,961 |
| Loan loss allowance to noncurrent loans | 497.8667% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 3,595 |
| Noncurrent loans to loans | 0.1893% | 3,795 |
| Net loans and leases to total assets | 83.1317% | 342 |
| Net loans and leases to deposits | 92.9132% | 1,190 |
| Net loans and leases to core deposits | 107.1985% | 984 |
| Total domestic deposits to total assets | 89.4724% | 482 |
| Equity capital to assets | 9.9564% | 3,829 |
| Core capital (leverage) ratio | 9.9394% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1903% | 3,044 |
| Memoranda: | ||
| Average total assets | $235,718,500 | 2,591 |
| Average earning assets | $225,385,000 | 2,532 |
| Average equity | $22,918,000 | 2,930 |
| Average total loans | $196,181,500 | 2,213 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,690 |
| Cost of funding earning assets | 0.9767% | 1,826 |
| Net interest margin | 3.9457% | 2,014 |
| Noninterest income to average assets | 0.3508% | 3,602 |
| Noninterest expense to average assets | 2.3541% | 3,816 |
| Loan and lease loss provision to assets | 0.5723% | 214 |
| Net operating income to assets | 1.1877% | 2,102 |
| Return on assets (ROA) | 1.2219% | 2,064 |
| Pretax return on assets | 1.2219% | 2,761 |
| Return on Equity (ROE) | 12.6021% | 1,298 |
| Retained earnings to average equity (ytd only) | 3.3337% | 3,343 |
| Net charge-offs to loans | 0.5490% | 335 |
| Credit loss provision to net charge-offs | 123.5858% | 2,056 |
| Earnings coverage of net charge-offs (x) | 3.8006% | 3,285 |
| Efficiency ratio | 57.2199% | 4,058 |
| Assets per employee ($millions) | 8.4075% | 618 |
| Cash dividends to net income (ytd only)* | 73.5465% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 3,929 |
| Loan loss allowance to noncurrent loans | 448.3461% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 3,545 |
| Noncurrent loans to loans | 0.2023% | 3,731 |
| Net loans and leases to total assets | 81.7811% | 577 |
| Net loans and leases to deposits | 91.1480% | 1,469 |
| Net loans and leases to core deposits | 105.2822% | 1,152 |
| Total domestic deposits to total assets | 89.7234% | 416 |
| Equity capital to assets | 9.4882% | 4,363 |
| Core capital (leverage) ratio | 9.5250% | 4,034 |
| Tier 1 risk-based capital ratio | 11.1372% | 4,803 |
| Total risk-based capital ratio | 12.0144% | 4,848 |
| Memoranda: | ||
| Average total assets | $225,220,200 | 2,619 |
| Average earning assets | $214,814,800 | 2,569 |
| Average equity | $21,837,600 | 2,975 |
| Average total loans | $189,987,000 | 2,233 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 1,697 |
| Cost of funding earning assets | 0.9648% | 1,912 |
| Net interest margin | 3.9785% | 2,026 |
| Noninterest income to average assets | 0.3389% | 3,702 |
| Noninterest expense to average assets | 2.3454% | 3,829 |
| Loan and lease loss provision to assets | 0.3539% | 379 |
| Net operating income to assets | 1.4347% | 1,374 |
| Return on assets (ROA) | 1.4808% | 1,303 |
| Pretax return on assets | 1.4808% | 2,019 |
| Return on Equity (ROE) | 15.1856% | 743 |
| Retained earnings to average equity (ytd only) | 3.3835% | 3,711 |
| Net charge-offs to loans | 0.3021% | 579 |
| Credit loss provision to net charge-offs | 138.0841% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.9790% | 2,789 |
| Efficiency ratio | 56.7352% | 4,093 |
| Assets per employee ($millions) | 8.1328% | 661 |
| Cash dividends to net income (ytd only)* | 77.7193% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,239 |
| Loan loss allowance to noncurrent loans | 166.5675% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 2,569 |
| Noncurrent loans to loans | 0.5093% | 2,768 |
| Net loans and leases to total assets | 83.2077% | 429 |
| Net loans and leases to deposits | 92.5667% | 1,365 |
| Net loans and leases to core deposits | 104.8922% | 1,267 |
| Total domestic deposits to total assets | 89.8894% | 314 |
| Equity capital to assets | 9.4101% | 4,522 |
| Core capital (leverage) ratio | 9.6138% | 4,054 |
| Tier 1 risk-based capital ratio | 11.2678% | 4,781 |
| Total risk-based capital ratio | 12.1203% | 4,860 |
| Memoranda: | ||
| Average total assets | $222,673,000 | 2,656 |
| Average earning assets | $212,403,500 | 2,611 |
| Average equity | $21,713,000 | 3,002 |
| Average total loans | $188,913,250 | 2,268 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 1,779 |
| Cost of funding earning assets | 0.9221% | 2,043 |
| Net interest margin | 3.9671% | 2,025 |
| Noninterest income to average assets | 0.3390% | 3,665 |
| Noninterest expense to average assets | 2.4061% | 3,720 |
| Loan and lease loss provision to assets | 0.2162% | 777 |
| Net operating income to assets | 1.5008% | 1,147 |
| Return on assets (ROA) | 1.5714% | 1,007 |
| Pretax return on assets | 1.5714% | 1,632 |
| Return on Equity (ROE) | 15.9145% | 599 |
| Retained earnings to average equity (ytd only) | 3.1458% | 3,647 |
| Net charge-offs to loans | 0.1000% | 1,377 |
| Credit loss provision to net charge-offs | 253.7634% | 1,001 |
| Earnings coverage of net charge-offs (x) | 20.1505% | 1,786 |
| Efficiency ratio | 58.3556% | 3,961 |
| Assets per employee ($millions) | 7.2354% | 912 |
| Cash dividends to net income (ytd only)* | 80.2332% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 4,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,424 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 84.9450% | 291 |
| Net loans and leases to deposits | 94.8585% | 1,168 |
| Net loans and leases to core deposits | 105.8018% | 1,259 |
| Total domestic deposits to total assets | 89.5492% | 465 |
| Equity capital to assets | 9.7691% | 4,169 |
| Core capital (leverage) ratio | 9.9070% | 3,694 |
| Tier 1 risk-based capital ratio | 11.2003% | 4,833 |
| Total risk-based capital ratio | 12.0457% | 4,906 |
| Memoranda: | ||
| Average total assets | $218,280,000 | 2,704 |
| Average earning assets | $208,210,670 | 2,657 |
| Average equity | $21,552,670 | 3,012 |
| Average total loans | $185,909,000 | 2,293 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 1,947 |
| Cost of funding earning assets | 0.8561% | 2,241 |
| Net interest margin | 3.9283% | 2,101 |
| Noninterest income to average assets | 0.2546% | 4,187 |
| Noninterest expense to average assets | 2.3542% | 3,884 |
| Loan and lease loss provision to assets | 0.2434% | 602 |
| Net operating income to assets | 1.4085% | 1,352 |
| Return on assets (ROA) | 1.4085% | 1,378 |
| Pretax return on assets | 1.4085% | 2,053 |
| Return on Equity (ROE) | 14.1861% | 926 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,665 |
| Net charge-offs to loans | 0.2035% | 687 |
| Credit loss provision to net charge-offs | 140.8602% | 1,291 |
| Earnings coverage of net charge-offs (x) | 9.5591% | 2,013 |
| Efficiency ratio | 58.7662% | 3,984 |
| Assets per employee ($millions) | 7.8833% | 700 |
| Cash dividends to net income (ytd only)* | 60.8179% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 4,131 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.9045% | 380 |
| Net loans and leases to deposits | 93.4741% | 1,231 |
| Net loans and leases to core deposits | 103.3926% | 1,358 |
| Total domestic deposits to total assets | 89.7622% | 540 |
| Equity capital to assets | 9.8164% | 3,998 |
| Core capital (leverage) ratio | 10.7539% | 2,799 |
| Tier 1 risk-based capital ratio | 11.3027% | 4,842 |
| Total risk-based capital ratio | 12.1033% | 4,942 |
| Memoranda: | ||
| Average total assets | $215,271,000 | 2,761 |
| Average earning assets | $205,587,000 | 2,712 |
| Average equity | $21,373,000 | 3,036 |
| Average total loans | $182,769,000 | 2,338 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 2,499 |
| Cost of funding earning assets | 0.4171% | 3,882 |
| Net interest margin | 4.0687% | 1,776 |
| Noninterest income to average assets | 0.3811% | 3,548 |
| Noninterest expense to average assets | 2.4361% | 3,783 |
| Loan and lease loss provision to assets | 0.0448% | 3,285 |
| Net operating income to assets | 1.7783% | 583 |
| Return on assets (ROA) | 1.7783% | 579 |
| Pretax return on assets | 1.7783% | 977 |
| Return on Equity (ROE) | 18.2345% | 370 |
| Retained earnings to average equity (ytd only) | 13.2907% | 210 |
| Net charge-offs to loans | -0.0049% | 4,349 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1963% | 4,265 |
| Assets per employee ($millions) | 7.4932% | 796 |
| Cash dividends to net income (ytd only)* | 27.1125% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,361 |
| Loan loss allowance to noncurrent loans | 279.1897% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 2,862 |
| Noncurrent loans to loans | 0.3037% | 3,463 |
| Net loans and leases to total assets | 84.4879% | 370 |
| Net loans and leases to deposits | 94.2838% | 1,246 |
| Net loans and leases to core deposits | 102.5199% | 1,542 |
| Total domestic deposits to total assets | 89.6101% | 618 |
| Equity capital to assets | 10.0462% | 3,638 |
| Core capital (leverage) ratio | 10.6056% | 2,924 |
| Tier 1 risk-based capital ratio | 11.8165% | 4,559 |
| Total risk-based capital ratio | 12.6443% | 4,681 |
| Memoranda: | ||
| Average total assets | $200,980,200 | 2,859 |
| Average earning assets | $191,559,600 | 2,812 |
| Average equity | $19,600,200 | 3,124 |
| Average total loans | $163,691,600 | 2,490 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 2,716 |
| Cost of funding earning assets | 0.3457% | 4,210 |
| Net interest margin | 4.0275% | 1,862 |
| Noninterest income to average assets | 0.3924% | 3,530 |
| Noninterest expense to average assets | 2.4523% | 3,724 |
| Loan and lease loss provision to assets | 0.0302% | 3,414 |
| Net operating income to assets | 1.7467% | 669 |
| Return on assets (ROA) | 1.7467% | 674 |
| Pretax return on assets | 1.7467% | 1,156 |
| Return on Equity (ROE) | 18.0540% | 422 |
| Retained earnings to average equity (ytd only) | 11.3358% | 583 |
| Net charge-offs to loans | -0.0033% | 4,151 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9857% | 4,125 |
| Assets per employee ($millions) | 7.4334% | 799 |
| Cash dividends to net income (ytd only)* | 37.2121% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,412 |
| Loan loss allowance to noncurrent loans | 997.9592% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 3,626 |
| Noncurrent loans to loans | 0.0863% | 4,493 |
| Net loans and leases to total assets | 84.1258% | 445 |
| Net loans and leases to deposits | 96.3155% | 1,116 |
| Net loans and leases to core deposits | 101.6465% | 1,639 |
| Total domestic deposits to total assets | 87.3440% | 1,577 |
| Equity capital to assets | 9.9092% | 3,728 |
| Core capital (leverage) ratio | 10.6025% | 2,977 |
| Tier 1 risk-based capital ratio | 11.7094% | 4,665 |
| Total risk-based capital ratio | 12.5404% | 4,800 |
| Memoranda: | ||
| Average total assets | $198,772,750 | 2,903 |
| Average earning assets | $189,358,750 | 2,855 |
| Average equity | $19,230,750 | 3,183 |
| Average total loans | $159,919,500 | 2,534 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 2,880 |
| Cost of funding earning assets | 0.3266% | 4,227 |
| Net interest margin | 3.9420% | 2,059 |
| Noninterest income to average assets | 0.4098% | 3,424 |
| Noninterest expense to average assets | 2.4590% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7029% | 715 |
| Return on assets (ROA) | 1.7029% | 722 |
| Pretax return on assets | 1.7029% | 1,203 |
| Return on Equity (ROE) | 17.7470% | 446 |
| Retained earnings to average equity (ytd only) | 11.0353% | 663 |
| Net charge-offs to loans | -0.0038% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0832% | 4,071 |
| Assets per employee ($millions) | 6.5281% | 1,168 |
| Cash dividends to net income (ytd only)* | 37.8186% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,406 |
| Loan loss allowance to noncurrent loans | 3,157.7778% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,871 |
| Noncurrent loans to loans | 0.0280% | 4,801 |
| Net loans and leases to total assets | 81.4080% | 788 |
| Net loans and leases to deposits | 91.0946% | 1,692 |
| Net loans and leases to core deposits | 96.8856% | 1,973 |
| Total domestic deposits to total assets | 89.3664% | 782 |
| Equity capital to assets | 9.8876% | 3,732 |
| Core capital (leverage) ratio | 10.4988% | 3,031 |
| Tier 1 risk-based capital ratio | 12.0803% | 4,454 |
| Total risk-based capital ratio | 12.9349% | 4,576 |
| Memoranda: | ||
| Average total assets | $198,129,330 | 2,917 |
| Average earning assets | $188,584,000 | 2,869 |
| Average equity | $19,011,670 | 3,218 |
| Average total loans | $156,456,000 | 2,594 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 3,340 |
| Cost of funding earning assets | 0.3248% | 4,171 |
| Net interest margin | 3.7438% | 2,637 |
| Noninterest income to average assets | 0.3091% | 4,094 |
| Noninterest expense to average assets | 2.4007% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4713% | 1,145 |
| Return on assets (ROA) | 1.4713% | 1,145 |
| Pretax return on assets | 1.4713% | 1,761 |
| Return on Equity (ROE) | 15.5664% | 694 |
| Retained earnings to average equity (ytd only) | 15.5664% | 280 |
| Net charge-offs to loans | 0.0026% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 87 |
| Efficiency ratio | 62.0010% | 3,784 |
| Assets per employee ($millions) | 7.1720% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 3,729 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.5468% | 1,154 |
| Net loans and leases to deposits | 87.5397% | 1,992 |
| Net loans and leases to core deposits | 92.8805% | 2,223 |
| Total domestic deposits to total assets | 89.7271% | 771 |
| Equity capital to assets | 9.8644% | 3,739 |
| Core capital (leverage) ratio | 10.2839% | 3,205 |
| Tier 1 risk-based capital ratio | 12.3428% | 4,348 |
| Total risk-based capital ratio | 13.2274% | 4,455 |
| Memoranda: | ||
| Average total assets | $199,273,000 | 2,937 |
| Average earning assets | $189,646,500 | 2,886 |
| Average equity | $18,835,500 | 3,265 |
| Average total loans | $154,258,000 | 2,641 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,643 |
| Cost of funding earning assets | 0.2871% | 4,257 |
| Net interest margin | 3.9247% | 2,011 |
| Noninterest income to average assets | 0.4504% | 3,307 |
| Noninterest expense to average assets | 2.4689% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6982% | 527 |
| Return on assets (ROA) | 1.6987% | 545 |
| Pretax return on assets | 1.6987% | 1,010 |
| Return on Equity (ROE) | 17.9174% | 314 |
| Retained earnings to average equity (ytd only) | 10.0466% | 341 |
| Net charge-offs to loans | -0.0075% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2479% | 4,382 |
| Assets per employee ($millions) | 7.0656% | 943 |
| Cash dividends to net income (ytd only)* | 43.9285% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,823 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.9528% | 1,758 |
| Net loans and leases to deposits | 84.0552% | 2,483 |
| Net loans and leases to core deposits | 90.1804% | 2,552 |
| Total domestic deposits to total assets | 89.1709% | 917 |
| Equity capital to assets | 9.0624% | 4,653 |
| Core capital (leverage) ratio | 9.9653% | 3,499 |
| Tier 1 risk-based capital ratio | 11.6283% | 4,768 |
| Total risk-based capital ratio | 12.4945% | 4,894 |
| Memoranda: | ||
| Average total assets | $187,612,400 | 3,046 |
| Average earning assets | $177,669,000 | 2,987 |
| Average equity | $17,787,200 | 3,396 |
| Average total loans | $147,577,200 | 2,679 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,456 |
| Cost of funding earning assets | 0.2806% | 4,308 |
| Net interest margin | 3.9629% | 1,824 |
| Noninterest income to average assets | 0.4830% | 3,130 |
| Noninterest expense to average assets | 2.5263% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7065% | 574 |
| Return on assets (ROA) | 1.7073% | 584 |
| Pretax return on assets | 1.7073% | 1,104 |
| Return on Equity (ROE) | 17.7882% | 350 |
| Retained earnings to average equity (ytd only) | 9.8680% | 612 |
| Net charge-offs to loans | -0.0101% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6838% | 4,267 |
| Assets per employee ($millions) | 6.4249% | 1,230 |
| Cash dividends to net income (ytd only)* | 44.5249% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,317 |
| Loan loss allowance to noncurrent loans | 146.4876% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,044 |
| Noncurrent loans to loans | 0.6491% | 2,765 |
| Net loans and leases to total assets | 79.2750% | 1,087 |
| Net loans and leases to deposits | 88.3827% | 2,003 |
| Net loans and leases to core deposits | 92.2932% | 2,409 |
| Total domestic deposits to total assets | 89.6952% | 576 |
| Equity capital to assets | 9.8218% | 4,121 |
| Core capital (leverage) ratio | 10.0798% | 3,470 |
| Tier 1 risk-based capital ratio | 11.7878% | 4,779 |
| Total risk-based capital ratio | 12.6887% | 4,885 |
| Memoranda: | ||
| Average total assets | $183,290,250 | 3,108 |
| Average earning assets | $173,435,750 | 3,059 |
| Average equity | $17,591,750 | 3,447 |
| Average total loans | $145,722,250 | 2,720 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 2,519 |
| Cost of funding earning assets | 0.2810% | 4,275 |
| Net interest margin | 3.9074% | 1,903 |
| Noninterest income to average assets | 0.5201% | 2,897 |
| Noninterest expense to average assets | 2.5730% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6392% | 638 |
| Return on assets (ROA) | 1.6403% | 659 |
| Pretax return on assets | 1.6403% | 1,225 |
| Return on Equity (ROE) | 17.2278% | 394 |
| Retained earnings to average equity (ytd only) | 10.4865% | 508 |
| Net charge-offs to loans | -0.0111% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0836% | 4,151 |
| Assets per employee ($millions) | 6.5447% | 1,127 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,815 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.1312% | 933 |
| Net loans and leases to deposits | 89.5558% | 1,793 |
| Net loans and leases to core deposits | 91.2425% | 2,402 |
| Total domestic deposits to total assets | 89.4762% | 734 |
| Equity capital to assets | 9.7685% | 4,154 |
| Core capital (leverage) ratio | 10.0189% | 3,517 |
| Tier 1 risk-based capital ratio | 11.6044% | 4,892 |
| Total risk-based capital ratio | 12.5085% | 4,997 |
| Memoranda: | ||
| Average total assets | $182,280,000 | 3,130 |
| Average earning assets | $172,239,000 | 3,084 |
| Average equity | $17,355,670 | 3,489 |
| Average total loans | $144,588,330 | 2,735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,717 |
| Cost of funding earning assets | 0.2755% | 4,292 |
| Net interest margin | 3.8062% | 2,093 |
| Noninterest income to average assets | 0.4181% | 3,537 |
| Noninterest expense to average assets | 2.6404% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3642% | 1,079 |
| Return on assets (ROA) | 1.3664% | 1,107 |
| Pretax return on assets | 1.3664% | 2,002 |
| Return on Equity (ROE) | 14.5408% | 719 |
| Retained earnings to average equity (ytd only) | 14.5408% | 263 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9341% | 3,507 |
| Assets per employee ($millions) | 6.7201% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,804 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.0879% | 818 |
| Net loans and leases to deposits | 89.0251% | 1,664 |
| Net loans and leases to core deposits | 93.2306% | 2,042 |
| Total domestic deposits to total assets | 89.9610% | 677 |
| Equity capital to assets | 9.6146% | 4,169 |
| Core capital (leverage) ratio | 9.8499% | 3,691 |
| Tier 1 risk-based capital ratio | 11.6566% | 4,941 |
| Total risk-based capital ratio | 12.5744% | 5,035 |
| Memoranda: | ||
| Average total assets | $181,794,000 | 3,166 |
| Average earning assets | $171,300,500 | 3,117 |
| Average equity | $17,083,000 | 3,538 |
| Average total loans | $142,754,000 | 2,774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,437 |
| Cost of funding earning assets | 0.2788% | 4,265 |
| Net interest margin | 3.9372% | 1,826 |
| Noninterest income to average assets | 0.4696% | 3,411 |
| Noninterest expense to average assets | 2.7822% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3932% | 1,020 |
| Return on assets (ROA) | 1.4111% | 1,011 |
| Pretax return on assets | 1.4111% | 1,899 |
| Return on Equity (ROE) | 14.3130% | 726 |
| Retained earnings to average equity (ytd only) | 7.0991% | 1,188 |
| Net charge-offs to loans | -0.1244% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6334% | 3,493 |
| Assets per employee ($millions) | 6.5052% | 1,150 |
| Cash dividends to net income (ytd only)* | 50.4007% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,231 |
| Loan loss allowance to noncurrent loans | 315.4709% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 2,882 |
| Noncurrent loans to loans | 0.3214% | 3,994 |
| Net loans and leases to total assets | 75.4236% | 1,612 |
| Net loans and leases to deposits | 83.4777% | 2,480 |
| Net loans and leases to core deposits | 87.1027% | 2,761 |
| Total domestic deposits to total assets | 90.3517% | 493 |
| Equity capital to assets | 9.1800% | 4,601 |
| Core capital (leverage) ratio | 9.7182% | 3,832 |
| Tier 1 risk-based capital ratio | 11.9055% | 4,791 |
| Total risk-based capital ratio | 12.8765% | 4,877 |
| Memoranda: | ||
| Average total assets | $168,030,000 | 3,309 |
| Average earning assets | $158,157,200 | 3,269 |
| Average equity | $16,565,400 | 3,617 |
| Average total loans | $134,999,000 | 2,844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,316 |
| Cost of funding earning assets | 0.2745% | 4,344 |
| Net interest margin | 3.9816% | 1,709 |
| Noninterest income to average assets | 0.3445% | 4,320 |
| Noninterest expense to average assets | 2.8546% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2401% | 1,489 |
| Return on assets (ROA) | 1.2644% | 1,495 |
| Pretax return on assets | 1.2644% | 2,558 |
| Return on Equity (ROE) | 12.5855% | 1,152 |
| Retained earnings to average equity (ytd only) | 5.8813% | 2,251 |
| Net charge-offs to loans | -0.1064% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7150% | 2,934 |
| Assets per employee ($millions) | 6.2924% | 1,240 |
| Cash dividends to net income (ytd only)* | 53.2691% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,391 |
| Loan loss allowance to noncurrent loans | 295.1754% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 2,973 |
| Noncurrent loans to loans | 0.3396% | 4,040 |
| Net loans and leases to total assets | 75.4578% | 1,623 |
| Net loans and leases to deposits | 83.9025% | 2,495 |
| Net loans and leases to core deposits | 87.8442% | 2,777 |
| Total domestic deposits to total assets | 89.9351% | 509 |
| Equity capital to assets | 9.5507% | 4,609 |
| Core capital (leverage) ratio | 9.9414% | 3,643 |
| Tier 1 risk-based capital ratio | 11.6764% | 4,993 |
| Total risk-based capital ratio | 12.6117% | 5,075 |
| Memoranda: | ||
| Average total assets | $164,501,000 | 3,367 |
| Average earning assets | $154,941,250 | 3,325 |
| Average equity | $16,526,500 | 3,652 |
| Average total loans | $134,051,750 | 2,863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,172 |
| Cost of funding earning assets | 0.2796% | 4,350 |
| Net interest margin | 4.0160% | 1,594 |
| Noninterest income to average assets | 0.3175% | 4,508 |
| Noninterest expense to average assets | 2.8965% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1955% | 1,620 |
| Return on assets (ROA) | 1.2328% | 1,587 |
| Pretax return on assets | 1.2328% | 2,655 |
| Return on Equity (ROE) | 12.0538% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,175 |
| Net charge-offs to loans | -0.1508% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7851% | 2,863 |
| Assets per employee ($millions) | 5.8507% | 1,510 |
| Cash dividends to net income (ytd only)* | 51.0101% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,531 |
| Loan loss allowance to noncurrent loans | 126.2959% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 1,740 |
| Noncurrent loans to loans | 0.7914% | 2,769 |
| Net loans and leases to total assets | 81.0169% | 747 |
| Net loans and leases to deposits | 90.6069% | 1,685 |
| Net loans and leases to core deposits | 91.5071% | 2,389 |
| Total domestic deposits to total assets | 89.4158% | 722 |
| Equity capital to assets | 10.1344% | 4,048 |
| Core capital (leverage) ratio | 10.1762% | 3,355 |
| Tier 1 risk-based capital ratio | 11.3809% | 5,229 |
| Total risk-based capital ratio | 12.3018% | 5,314 |
| Memoranda: | ||
| Average total assets | $160,606,000 | 3,427 |
| Average earning assets | $150,946,670 | 3,393 |
| Average equity | $16,426,330 | 3,678 |
| Average total loans | $133,971,670 | 2,868 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,154 |
| Cost of funding earning assets | 0.2768% | 4,425 |
| Net interest margin | 4.0182% | 1,559 |
| Noninterest income to average assets | 0.4101% | 3,749 |
| Noninterest expense to average assets | 2.8528% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3182% | 1,212 |
| Return on assets (ROA) | 1.3182% | 1,292 |
| Pretax return on assets | 1.3182% | 2,232 |
| Return on Equity (ROE) | 12.8286% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.8286% | 411 |
| Net charge-offs to loans | -0.0687% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3957% | 3,399 |
| Assets per employee ($millions) | 5.9224% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,927 |
| Loan loss allowance to noncurrent loans | 118.2755% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 1,501 |
| Noncurrent loans to loans | 0.7913% | 2,854 |
| Net loans and leases to total assets | 83.5320% | 410 |
| Net loans and leases to deposits | 95.5526% | 984 |
| Net loans and leases to core deposits | 96.5527% | 1,743 |
| Total domestic deposits to total assets | 87.4200% | 1,978 |
| Equity capital to assets | 10.4000% | 3,617 |
| Core capital (leverage) ratio | 10.6319% | 2,817 |
| Tier 1 risk-based capital ratio | 11.5010% | 5,232 |
| Total risk-based capital ratio | 12.3754% | 5,345 |
| Memoranda: | ||
| Average total assets | $158,999,500 | 3,464 |
| Average earning assets | $148,823,500 | 3,436 |
| Average equity | $16,338,500 | 3,689 |
| Average total loans | $133,927,000 | 2,876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 2,297 |
| Cost of funding earning assets | 0.2748% | 4,539 |
| Net interest margin | 3.9995% | 1,720 |
| Noninterest income to average assets | 0.5398% | 3,077 |
| Noninterest expense to average assets | 2.8409% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4108% | 1,023 |
| Return on assets (ROA) | 1.5050% | 889 |
| Pretax return on assets | 1.5050% | 1,540 |
| Return on Equity (ROE) | 14.9723% | 688 |
| Retained earnings to average equity (ytd only) | 6.3011% | 1,654 |
| Net charge-offs to loans | 0.0008% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2,185.0000% | 18 |
| Efficiency ratio | 66.8185% | 3,776 |
| Assets per employee ($millions) | 5.8554% | 1,493 |
| Cash dividends to net income (ytd only)* | 57.9151% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,962 |
| Loan loss allowance to noncurrent loans | 115.0418% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 1,443 |
| Noncurrent loans to loans | 0.8096% | 2,761 |
| Net loans and leases to total assets | 83.3562% | 443 |
| Net loans and leases to deposits | 95.3760% | 1,082 |
| Net loans and leases to core deposits | 96.5662% | 1,789 |
| Total domestic deposits to total assets | 87.3975% | 1,929 |
| Equity capital to assets | 10.1502% | 3,806 |
| Core capital (leverage) ratio | 10.3198% | 3,134 |
| Tier 1 risk-based capital ratio | 11.3180% | 5,368 |
| Total risk-based capital ratio | 12.1903% | 5,461 |
| Memoranda: | ||
| Average total assets | $154,881,800 | 3,496 |
| Average earning assets | $143,741,600 | 3,490 |
| Average equity | $15,568,800 | 3,751 |
| Average total loans | $127,353,400 | 2,926 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,433 |
| Cost of funding earning assets | 0.2772% | 4,593 |
| Net interest margin | 3.9660% | 1,822 |
| Noninterest income to average assets | 0.5183% | 3,237 |
| Noninterest expense to average assets | 2.8037% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3915% | 1,126 |
| Return on assets (ROA) | 1.5178% | 930 |
| Pretax return on assets | 1.5178% | 1,636 |
| Return on Equity (ROE) | 15.1374% | 709 |
| Retained earnings to average equity (ytd only) | 5.6442% | 2,493 |
| Net charge-offs to loans | 0.0064% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 267.9938% | 265 |
| Efficiency ratio | 66.8317% | 3,748 |
| Assets per employee ($millions) | 6.1762% | 1,257 |
| Cash dividends to net income (ytd only)* | 62.7137% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 4,970 |
| Loan loss allowance to noncurrent loans | 114.5775% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5252% | 1,472 |
| Noncurrent loans to loans | 0.8313% | 2,889 |
| Net loans and leases to total assets | 83.1107% | 461 |
| Net loans and leases to deposits | 93.1303% | 1,288 |
| Net loans and leases to core deposits | 94.1200% | 2,065 |
| Total domestic deposits to total assets | 89.2413% | 903 |
| Equity capital to assets | 10.2108% | 3,917 |
| Core capital (leverage) ratio | 10.1923% | 3,382 |
| Tier 1 risk-based capital ratio | 11.2983% | 5,489 |
| Total risk-based capital ratio | 12.1826% | 5,601 |
| Memoranda: | ||
| Average total assets | $154,078,500 | 3,537 |
| Average earning assets | $142,842,750 | 3,534 |
| Average equity | $15,449,250 | 3,803 |
| Average total loans | $125,936,500 | 2,978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 2,500 |
| Cost of funding earning assets | 0.2812% | 4,600 |
| Net interest margin | 3.9328% | 1,879 |
| Noninterest income to average assets | 0.5586% | 2,984 |
| Noninterest expense to average assets | 2.8019% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3899% | 1,113 |
| Return on assets (ROA) | 1.5795% | 810 |
| Pretax return on assets | 1.5795% | 1,392 |
| Return on Equity (ROE) | 15.8502% | 625 |
| Retained earnings to average equity (ytd only) | 4.4448% | 3,181 |
| Net charge-offs to loans | 0.0241% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 765 |
| Efficiency ratio | 66.8423% | 3,859 |
| Assets per employee ($millions) | 6.4134% | 1,099 |
| Cash dividends to net income (ytd only)* | 71.9572% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 4,997 |
| Loan loss allowance to noncurrent loans | 252.5773% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 2,181 |
| Noncurrent loans to loans | 0.3845% | 4,327 |
| Net loans and leases to total assets | 77.9056% | 1,076 |
| Net loans and leases to deposits | 86.5531% | 1,995 |
| Net loans and leases to core deposits | 87.4310% | 2,617 |
| Total domestic deposits to total assets | 90.0090% | 662 |
| Equity capital to assets | 9.6118% | 4,514 |
| Core capital (leverage) ratio | 10.1534% | 3,394 |
| Tier 1 risk-based capital ratio | 10.9757% | 5,719 |
| Total risk-based capital ratio | 11.8467% | 5,830 |
| Memoranda: | ||
| Average total assets | $153,969,670 | 3,562 |
| Average earning assets | $142,239,670 | 3,564 |
| Average equity | $15,343,670 | 3,839 |
| Average total loans | $124,728,330 | 3,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 2,508 |
| Cost of funding earning assets | 0.2892% | 4,559 |
| Net interest margin | 3.8987% | 1,899 |
| Noninterest income to average assets | 0.4722% | 3,489 |
| Noninterest expense to average assets | 2.6819% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4378% | 966 |
| Return on assets (ROA) | 1.8251% | 490 |
| Pretax return on assets | 1.8251% | 833 |
| Return on Equity (ROE) | 17.9752% | 386 |
| Retained earnings to average equity (ytd only) | 9.3534% | 1,081 |
| Net charge-offs to loans | -0.1258% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0998% | 4,301 |
| Assets per employee ($millions) | 6.3194% | 1,178 |
| Cash dividends to net income (ytd only)* | 47.9651% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 4,888 |
| Loan loss allowance to noncurrent loans | 219.3825% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 1,900 |
| Noncurrent loans to loans | 0.4681% | 4,178 |
| Net loans and leases to total assets | 81.2752% | 541 |
| Net loans and leases to deposits | 90.9169% | 1,303 |
| Net loans and leases to core deposits | 92.1739% | 1,930 |
| Total domestic deposits to total assets | 89.3950% | 1,049 |
| Equity capital to assets | 10.1988% | 3,884 |
| Core capital (leverage) ratio | 10.1510% | 3,405 |
| Tier 1 risk-based capital ratio | 11.6203% | 5,484 |
| Total risk-based capital ratio | 12.5822% | 5,553 |
| Memoranda: | ||
| Average total assets | $150,787,000 | 3,639 |
| Average earning assets | $141,073,500 | 3,606 |
| Average equity | $15,310,000 | 3,871 |
| Average total loans | $124,025,000 | 3,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 2,702 |
| Cost of funding earning assets | 0.3246% | 4,543 |
| Net interest margin | 3.9476% | 2,059 |
| Noninterest income to average assets | 0.7777% | 1,958 |
| Noninterest expense to average assets | 2.8582% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5313% | 825 |
| Return on assets (ROA) | 1.5313% | 856 |
| Pretax return on assets | 1.5313% | 1,438 |
| Return on Equity (ROE) | 15.9915% | 623 |
| Retained earnings to average equity (ytd only) | 12.1406% | 288 |
| Net charge-offs to loans | 0.0658% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.6623% | 1,349 |
| Efficiency ratio | 65.1138% | 4,389 |
| Assets per employee ($millions) | 5.9964% | 1,379 |
| Cash dividends to net income (ytd only)* | 24.0806% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 5,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 2,476 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 81.5595% | 567 |
| Net loans and leases to deposits | 91.1895% | 1,382 |
| Net loans and leases to core deposits | 92.1816% | 2,070 |
| Total domestic deposits to total assets | 89.4396% | 996 |
| Equity capital to assets | 10.1075% | 3,976 |
| Core capital (leverage) ratio | 10.3801% | 3,075 |
| Tier 1 risk-based capital ratio | 11.5622% | 5,624 |
| Total risk-based capital ratio | 12.5121% | 5,712 |
| Memoranda: | ||
| Average total assets | $149,150,000 | 3,643 |
| Average earning assets | $136,461,600 | 3,649 |
| Average equity | $14,282,600 | 3,983 |
| Average total loans | $117,045,600 | 3,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 2,798 |
| Cost of funding earning assets | 0.3357% | 4,515 |
| Net interest margin | 3.9177% | 2,167 |
| Noninterest income to average assets | 0.8816% | 1,585 |
| Noninterest expense to average assets | 2.7711% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6827% | 634 |
| Return on assets (ROA) | 1.6827% | 661 |
| Pretax return on assets | 1.6827% | 1,107 |
| Return on Equity (ROE) | 17.8212% | 460 |
| Retained earnings to average equity (ytd only) | 12.6076% | 368 |
| Net charge-offs to loans | 0.0716% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 30.3242% | 1,361 |
| Efficiency ratio | 62.2186% | 4,857 |
| Assets per employee ($millions) | 5.9907% | 1,344 |
| Cash dividends to net income (ytd only)* | 29.2556% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 4,894 |
| Loan loss allowance to noncurrent loans | 701.1173% | 754 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 2,362 |
| Noncurrent loans to loans | 0.1523% | 5,451 |
| Net loans and leases to total assets | 77.6293% | 999 |
| Net loans and leases to deposits | 86.5451% | 1,849 |
| Net loans and leases to core deposits | 87.4908% | 2,482 |
| Total domestic deposits to total assets | 89.6980% | 877 |
| Equity capital to assets | 9.8139% | 4,403 |
| Core capital (leverage) ratio | 9.9168% | 3,791 |
| Tier 1 risk-based capital ratio | 11.5016% | 5,790 |
| Total risk-based capital ratio | 12.4842% | 5,845 |
| Memoranda: | ||
| Average total assets | $148,960,250 | 3,676 |
| Average earning assets | $135,823,000 | 3,690 |
| Average equity | $14,065,250 | 4,034 |
| Average total loans | $115,430,750 | 3,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,062 |
| Cost of funding earning assets | 0.3490% | 4,447 |
| Net interest margin | 3.8242% | 2,470 |
| Noninterest income to average assets | 1.1958% | 818 |
| Noninterest expense to average assets | 2.7776% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8965% | 414 |
| Return on assets (ROA) | 1.8965% | 426 |
| Pretax return on assets | 1.8965% | 692 |
| Return on Equity (ROE) | 20.3546% | 276 |
| Retained earnings to average equity (ytd only) | 15.3021% | 201 |
| Net charge-offs to loans | 0.2789% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,439 |
| Efficiency ratio | 59.4245% | 5,367 |
| Assets per employee ($millions) | 6.0630% | 1,245 |
| Cash dividends to net income (ytd only)* | 24.8227% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,408 |
| Loan loss allowance to noncurrent loans | 225.0973% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 2,012 |
| Noncurrent loans to loans | 0.4377% | 4,676 |
| Net loans and leases to total assets | 76.7105% | 1,085 |
| Net loans and leases to deposits | 85.1818% | 1,903 |
| Net loans and leases to core deposits | 86.2746% | 2,487 |
| Total domestic deposits to total assets | 90.0551% | 778 |
| Equity capital to assets | 9.5405% | 4,702 |
| Core capital (leverage) ratio | 9.7475% | 3,968 |
| Tier 1 risk-based capital ratio | 11.3628% | 5,872 |
| Total risk-based capital ratio | 12.2746% | 5,982 |
| Memoranda: | ||
| Average total assets | $148,691,330 | 3,698 |
| Average earning assets | $135,245,670 | 3,723 |
| Average equity | $13,854,330 | 4,070 |
| Average total loans | $114,735,000 | 3,162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,098 |
| Cost of funding earning assets | 0.3624% | 4,415 |
| Net interest margin | 3.7835% | 2,534 |
| Noninterest income to average assets | 0.2961% | 4,993 |
| Noninterest expense to average assets | 2.5698% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1301% | 1,698 |
| Return on assets (ROA) | 1.1301% | 1,762 |
| Pretax return on assets | 1.1301% | 2,771 |
| Return on Equity (ROE) | 12.2795% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.2795% | 573 |
| Net charge-offs to loans | 0.5680% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5839% | 2,847 |
| Efficiency ratio | 69.4567% | 3,923 |
| Assets per employee ($millions) | 6.2179% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,473 |
| Loan loss allowance to noncurrent loans | 345.0746% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 3.1227% | 888 |
| Noncurrent loans to loans | 0.2930% | 5,240 |
| Net loans and leases to total assets | 75.8286% | 1,019 |
| Net loans and leases to deposits | 83.8967% | 1,833 |
| Net loans and leases to core deposits | 85.1492% | 2,403 |
| Total domestic deposits to total assets | 90.3833% | 870 |
| Equity capital to assets | 9.2207% | 4,850 |
| Core capital (leverage) ratio | 9.5455% | 4,219 |
| Tier 1 risk-based capital ratio | 10.8219% | 6,232 |
| Total risk-based capital ratio | 11.7300% | 6,302 |
| Memoranda: | ||
| Average total assets | $147,249,500 | 3,747 |
| Average earning assets | $132,468,500 | 3,794 |
| Average equity | $13,551,000 | 4,143 |
| Average total loans | $113,387,000 | 3,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,049 |
| Cost of funding earning assets | 0.5857% | 2,785 |
| Net interest margin | 3.9593% | 2,074 |
| Noninterest income to average assets | 0.6442% | 2,839 |
| Noninterest expense to average assets | 3.0552% | 2,883 |
| Loan and lease loss provision to assets | -0.2266% | 6,618 |
| Net operating income to assets | 1.2801% | 1,307 |
| Return on assets (ROA) | 1.2843% | 1,347 |
| Pretax return on assets | 1.2843% | 2,217 |
| Return on Equity (ROE) | 14.0435% | 943 |
| Retained earnings to average equity (ytd only) | 6.4194% | 1,730 |
| Net charge-offs to loans | 0.0989% | 3,852 |
| Credit loss provision to net charge-offs | -298.1651% | 6,050 |
| Earnings coverage of net charge-offs (x) | 13.8624% | 1,982 |
| Efficiency ratio | 74.3594% | 3,071 |
| Assets per employee ($millions) | 5.8108% | 1,398 |
| Cash dividends to net income (ytd only)* | 54.2888% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 4,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0041% | 1,050 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.5077% | 1,003 |
| Net loans and leases to deposits | 84.6345% | 1,847 |
| Net loans and leases to core deposits | 85.4163% | 2,518 |
| Total domestic deposits to total assets | 90.3978% | 875 |
| Equity capital to assets | 9.1843% | 4,822 |
| Core capital (leverage) ratio | 9.3161% | 4,524 |
| Tier 1 risk-based capital ratio | 10.6810% | 6,307 |
| Total risk-based capital ratio | 11.7339% | 6,330 |
| Memoranda: | ||
| Average total assets | $143,427,200 | 3,823 |
| Average earning assets | $125,501,400 | 3,936 |
| Average equity | $13,116,400 | 4,240 |
| Average total loans | $110,220,600 | 3,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 1,928 |
| Cost of funding earning assets | 0.5970% | 2,833 |
| Net interest margin | 3.9971% | 1,958 |
| Noninterest income to average assets | 0.3712% | 4,741 |
| Noninterest expense to average assets | 2.9908% | 3,025 |
| Loan and lease loss provision to assets | -0.3031% | 6,775 |
| Net operating income to assets | 1.1611% | 1,770 |
| Return on assets (ROA) | 1.1667% | 1,826 |
| Pretax return on assets | 1.1667% | 2,823 |
| Return on Equity (ROE) | 12.7715% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.7715% | 355 |
| Net charge-offs to loans | 0.1350% | 3,188 |
| Credit loss provision to net charge-offs | -292.7928% | 5,962 |
| Earnings coverage of net charge-offs (x) | 8.2881% | 2,644 |
| Efficiency ratio | 77.7078% | 2,461 |
| Assets per employee ($millions) | 5.7110% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0994% | 756 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.1861% | 727 |
| Net loans and leases to deposits | 86.9339% | 1,498 |
| Net loans and leases to core deposits | 87.7554% | 2,218 |
| Total domestic deposits to total assets | 89.9374% | 1,038 |
| Equity capital to assets | 9.6417% | 4,368 |
| Core capital (leverage) ratio | 9.7512% | 4,030 |
| Tier 1 risk-based capital ratio | 10.8629% | 6,341 |
| Total risk-based capital ratio | 11.9005% | 6,377 |
| Memoranda: | ||
| Average total assets | $142,966,750 | 3,869 |
| Average earning assets | $124,388,250 | 3,993 |
| Average equity | $13,060,000 | 4,300 |
| Average total loans | $109,661,000 | 3,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 1,749 |
| Cost of funding earning assets | 0.6151% | 2,804 |
| Net interest margin | 4.0182% | 1,797 |
| Noninterest income to average assets | 0.2867% | 5,401 |
| Noninterest expense to average assets | 3.0371% | 2,883 |
| Loan and lease loss provision to assets | -0.4544% | 6,868 |
| Net operating income to assets | 1.1662% | 1,682 |
| Return on assets (ROA) | 1.1746% | 1,768 |
| Pretax return on assets | 1.1746% | 2,786 |
| Return on Equity (ROE) | 13.0998% | 1,223 |
| Retained earnings to average equity (ytd only) | 13.0998% | 374 |
| Net charge-offs to loans | 0.2247% | 2,391 |
| Credit loss provision to net charge-offs | -266.3934% | 5,794 |
| Earnings coverage of net charge-offs (x) | 4.1721% | 3,200 |
| Efficiency ratio | 81.0145% | 2,025 |
| Assets per employee ($millions) | 6.0192% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.2035% | 575 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.6190% | 1,027 |
| Net loans and leases to deposits | 85.8029% | 1,595 |
| Net loans and leases to core deposits | 86.6200% | 2,271 |
| Total domestic deposits to total assets | 88.1311% | 2,151 |
| Equity capital to assets | 9.2378% | 4,935 |
| Core capital (leverage) ratio | 9.5935% | 4,090 |
| Tier 1 risk-based capital ratio | 10.7266% | 6,436 |
| Total risk-based capital ratio | 11.7737% | 6,471 |
| Memoranda: | ||
| Average total assets | $143,030,330 | 3,894 |
| Average earning assets | $123,238,330 | 4,049 |
| Average equity | $12,824,670 | 4,370 |
| Average total loans | $108,566,000 | 3,310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,854 |
| Cost of funding earning assets | 0.6323% | 2,826 |
| Net interest margin | 3.9580% | 1,926 |
| Noninterest income to average assets | -0.1377% | 6,932 |
| Noninterest expense to average assets | 2.9990% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3120% | 5,529 |
| Return on assets (ROA) | 0.2811% | 5,750 |
| Pretax return on assets | 0.2811% | 5,897 |
| Return on Equity (ROE) | 3.1836% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.1836% | 4,348 |
| Net charge-offs to loans | 0.0149% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,009 |
| Efficiency ratio | 90.5772% | 1,097 |
| Assets per employee ($millions) | 5.5875% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,432 |
| Loan loss allowance to noncurrent loans | 2,646.9697% | 210 |
| Noncurrent assets plus other real estate owned to assets | 6.0893% | 525 |
| Noncurrent loans to loans | 0.0601% | 6,297 |
| Net loans and leases to total assets | 77.3250% | 684 |
| Net loans and leases to deposits | 85.3986% | 1,429 |
| Net loans and leases to core deposits | 86.2145% | 2,087 |
| Total domestic deposits to total assets | 90.5460% | 744 |
| Equity capital to assets | 9.0073% | 5,473 |
| Core capital (leverage) ratio | 9.0846% | 4,741 |
| Tier 1 risk-based capital ratio | 10.2520% | 6,647 |
| Total risk-based capital ratio | 11.5040% | 6,637 |
| Memoranda: | ||
| Average total assets | $142,315,000 | 3,945 |
| Average earning assets | $124,001,500 | 4,065 |
| Average equity | $12,564,500 | 4,460 |
| Average total loans | $107,577,000 | 3,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 2,755 |
| Cost of funding earning assets | 0.7631% | 2,985 |
| Net interest margin | 3.8968% | 2,839 |
| Noninterest income to average assets | 0.1604% | 6,230 |
| Noninterest expense to average assets | 2.8743% | 3,742 |
| Loan and lease loss provision to assets | 0.1166% | 4,169 |
| Net operating income to assets | 0.5136% | 4,627 |
| Return on assets (ROA) | 0.8104% | 3,486 |
| Pretax return on assets | 0.8104% | 4,257 |
| Return on Equity (ROE) | 9.9258% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.9258% | 609 |
| Net charge-offs to loans | 0.3734% | 2,767 |
| Credit loss provision to net charge-offs | 45.0928% | 4,812 |
| Earnings coverage of net charge-offs (x) | 2.4377% | 4,192 |
| Efficiency ratio | 82.0192% | 1,863 |
| Assets per employee ($millions) | 5.7977% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 3,082 |
| Loan loss allowance to noncurrent loans | 670.8812% | 633 |
| Noncurrent assets plus other real estate owned to assets | 6.3632% | 523 |
| Noncurrent loans to loans | 0.2476% | 5,860 |
| Net loans and leases to total assets | 71.5060% | 1,568 |
| Net loans and leases to deposits | 78.6002% | 2,450 |
| Net loans and leases to core deposits | 79.1682% | 3,123 |
| Total domestic deposits to total assets | 90.9744% | 504 |
| Equity capital to assets | 8.6565% | 5,900 |
| Core capital (leverage) ratio | 8.6758% | 5,360 |
| Tier 1 risk-based capital ratio | 10.6588% | 6,497 |
| Total risk-based capital ratio | 11.9122% | 6,453 |
| Memoranda: | ||
| Average total assets | $145,845,400 | 3,846 |
| Average earning assets | $125,153,200 | 3,993 |
| Average equity | $11,908,400 | 4,585 |
| Average total loans | $100,970,800 | 3,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 2,978 |
| Cost of funding earning assets | 0.7875% | 3,050 |
| Net interest margin | 3.8701% | 3,027 |
| Noninterest income to average assets | 0.1068% | 6,596 |
| Noninterest expense to average assets | 2.8597% | 3,747 |
| Loan and lease loss provision to assets | 0.1552% | 3,584 |
| Net operating income to assets | 0.4071% | 5,218 |
| Return on assets (ROA) | 0.7302% | 4,020 |
| Pretax return on assets | 0.7302% | 4,747 |
| Return on Equity (ROE) | 9.0788% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.0788% | 1,198 |
| Net charge-offs to loans | 0.8051% | 1,361 |
| Credit loss provision to net charge-offs | 28.1924% | 4,827 |
| Earnings coverage of net charge-offs (x) | 1.0216% | 4,806 |
| Efficiency ratio | 83.5690% | 1,638 |
| Assets per employee ($millions) | 5.6178% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,969 |
| Loan loss allowance to noncurrent loans | 1,373.8739% | 343 |
| Noncurrent assets plus other real estate owned to assets | 6.5226% | 577 |
| Noncurrent loans to loans | 0.1089% | 6,342 |
| Net loans and leases to total assets | 68.7564% | 2,164 |
| Net loans and leases to deposits | 75.3956% | 3,081 |
| Net loans and leases to core deposits | 76.0788% | 3,715 |
| Total domestic deposits to total assets | 91.1942% | 361 |
| Equity capital to assets | 8.3752% | 6,369 |
| Core capital (leverage) ratio | 8.2833% | 6,044 |
| Tier 1 risk-based capital ratio | 10.4963% | 6,666 |
| Total risk-based capital ratio | 11.7469% | 6,650 |
| Memoranda: | ||
| Average total assets | $146,071,000 | 3,877 |
| Average earning assets | $125,125,750 | 4,038 |
| Average equity | $11,748,750 | 4,665 |
| Average total loans | $99,865,000 | 3,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 3,202 |
| Cost of funding earning assets | 0.8226% | 3,006 |
| Net interest margin | 3.8148% | 3,292 |
| Noninterest income to average assets | -0.0999% | 7,091 |
| Noninterest expense to average assets | 2.7767% | 4,107 |
| Loan and lease loss provision to assets | 0.2328% | 2,742 |
| Net operating income to assets | 0.1479% | 6,047 |
| Return on assets (ROA) | 0.3245% | 5,731 |
| Pretax return on assets | 0.3245% | 5,912 |
| Return on Equity (ROE) | 4.0907% | 5,220 |
| Retained earnings to average equity (ytd only) | 4.0907% | 3,885 |
| Net charge-offs to loans | 0.0504% | 4,696 |
| Credit loss provision to net charge-offs | 680.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 11.1200% | 1,991 |
| Efficiency ratio | 87.9445% | 1,239 |
| Assets per employee ($millions) | 5.8977% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,930 |
| Loan loss allowance to noncurrent loans | 105.4135% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 8.5280% | 383 |
| Noncurrent loans to loans | 2.0187% | 2,929 |
| Net loans and leases to total assets | 65.5989% | 2,753 |
| Net loans and leases to deposits | 71.5858% | 3,675 |
| Net loans and leases to core deposits | 72.2235% | 4,275 |
| Total domestic deposits to total assets | 91.6368% | 290 |
| Equity capital to assets | 7.9929% | 6,569 |
| Core capital (leverage) ratio | 7.9559% | 6,315 |
| Tier 1 risk-based capital ratio | 10.3210% | 6,751 |
| Total risk-based capital ratio | 11.5784% | 6,735 |
| Memoranda: | ||
| Average total assets | $146,074,000 | 3,903 |
| Average earning assets | $124,724,000 | 4,060 |
| Average equity | $11,587,330 | 4,695 |
| Average total loans | $99,169,330 | 3,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 3,094 |
| Cost of funding earning assets | 0.8888% | 2,772 |
| Net interest margin | 3.7994% | 3,397 |
| Noninterest income to average assets | 0.4429% | 4,347 |
| Noninterest expense to average assets | 2.7045% | 4,406 |
| Loan and lease loss provision to assets | 0.2063% | 2,888 |
| Net operating income to assets | 0.7428% | 3,662 |
| Return on assets (ROA) | 0.7428% | 3,897 |
| Pretax return on assets | 0.7428% | 4,635 |
| Return on Equity (ROE) | 9.4007% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.4007% | 1,440 |
| Net charge-offs to loans | 0.0403% | 4,134 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 831 |
| Efficiency ratio | 74.0211% | 3,100 |
| Assets per employee ($millions) | 5.8346% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 2,210 |
| Loan loss allowance to noncurrent loans | 73.8860% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 9.1269% | 383 |
| Noncurrent loans to loans | 2.7789% | 2,334 |
| Net loans and leases to total assets | 66.1598% | 2,444 |
| Net loans and leases to deposits | 72.2184% | 3,403 |
| Net loans and leases to core deposits | 72.9830% | 4,025 |
| Total domestic deposits to total assets | 91.6107% | 343 |
| Equity capital to assets | 7.9334% | 6,566 |
| Core capital (leverage) ratio | 8.0475% | 6,213 |
| Tier 1 risk-based capital ratio | 10.3402% | 6,781 |
| Total risk-based capital ratio | 11.5974% | 6,779 |
| Memoranda: | ||
| Average total assets | $145,389,500 | 3,947 |
| Average earning assets | $122,860,000 | 4,139 |
| Average equity | $11,488,500 | 4,732 |
| Average total loans | $99,342,000 | 3,611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 2,946 |
| Cost of funding earning assets | 1.2173% | 1,910 |
| Net interest margin | 3.7678% | 3,993 |
| Noninterest income to average assets | 0.3440% | 5,061 |
| Noninterest expense to average assets | 2.7570% | 4,522 |
| Loan and lease loss provision to assets | 1.2455% | 685 |
| Net operating income to assets | -0.4619% | 6,459 |
| Return on assets (ROA) | -0.2552% | 6,363 |
| Pretax return on assets | -0.2552% | 6,324 |
| Return on Equity (ROE) | -3.2283% | 6,429 |
| Retained earnings to average equity (ytd only) | -3.2283% | 6,300 |
| Net charge-offs to loans | 2.7087% | 399 |
| Credit loss provision to net charge-offs | 68.0147% | 4,930 |
| Earnings coverage of net charge-offs (x) | 0.4279% | 5,498 |
| Efficiency ratio | 77.8665% | 2,607 |
| Assets per employee ($millions) | 5.7966% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9549% | 2,407 |
| Loan loss allowance to noncurrent loans | 75.9798% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 8.5285% | 443 |
| Noncurrent loans to loans | 2.5730% | 2,551 |
| Net loans and leases to total assets | 67.7636% | 2,445 |
| Net loans and leases to deposits | 73.8911% | 3,518 |
| Net loans and leases to core deposits | 75.2748% | 4,070 |
| Total domestic deposits to total assets | 91.7075% | 281 |
| Equity capital to assets | 7.8702% | 6,650 |
| Core capital (leverage) ratio | 7.7427% | 6,505 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,852 |
| Total risk-based capital ratio | 11.2787% | 6,836 |
| Memoranda: | ||
| Average total assets | $148,533,000 | 3,829 |
| Average earning assets | $126,015,400 | 4,013 |
| Average equity | $11,739,800 | 4,610 |
| Average total loans | $100,418,600 | 3,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 2,784 |
| Cost of funding earning assets | 1.2839% | 1,788 |
| Net interest margin | 3.7799% | 3,970 |
| Noninterest income to average assets | 0.5639% | 3,415 |
| Noninterest expense to average assets | 2.7891% | 4,383 |
| Loan and lease loss provision to assets | 1.1197% | 726 |
| Net operating income to assets | -0.1535% | 6,334 |
| Return on assets (ROA) | 0.1151% | 6,043 |
| Pretax return on assets | 0.1151% | 6,066 |
| Return on Equity (ROE) | 1.4547% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.4547% | 5,415 |
| Net charge-offs to loans | 1.3362% | 1,134 |
| Credit loss provision to net charge-offs | 124.6276% | 2,581 |
| Earnings coverage of net charge-offs (x) | 1.0755% | 4,828 |
| Efficiency ratio | 74.2694% | 3,130 |
| Assets per employee ($millions) | 5.9541% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1545% | 762 |
| Loan loss allowance to noncurrent loans | 99.5792% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 10.2760% | 343 |
| Noncurrent loans to loans | 3.1679% | 2,192 |
| Net loans and leases to total assets | 63.4415% | 3,424 |
| Net loans and leases to deposits | 69.4067% | 4,401 |
| Net loans and leases to core deposits | 71.4122% | 4,785 |
| Total domestic deposits to total assets | 91.4056% | 317 |
| Equity capital to assets | 7.9918% | 6,697 |
| Core capital (leverage) ratio | 7.7862% | 6,573 |
| Tier 1 risk-based capital ratio | 10.6383% | 6,724 |
| Total risk-based capital ratio | 11.9065% | 6,706 |
| Memoranda: | ||
| Average total assets | $149,437,750 | 3,833 |
| Average earning assets | $126,173,750 | 4,035 |
| Average equity | $11,823,500 | 4,615 |
| Average total loans | $100,484,000 | 3,637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 2,433 |
| Cost of funding earning assets | 1.3155% | 1,849 |
| Net interest margin | 3.8422% | 3,574 |
| Noninterest income to average assets | 0.6322% | 2,935 |
| Noninterest expense to average assets | 2.8550% | 4,211 |
| Loan and lease loss provision to assets | 0.9289% | 956 |
| Net operating income to assets | 0.1002% | 6,019 |
| Return on assets (ROA) | 0.2259% | 5,763 |
| Pretax return on assets | 0.2259% | 5,866 |
| Return on Equity (ROE) | 2.8646% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.8646% | 4,458 |
| Net charge-offs to loans | 1.6004% | 918 |
| Credit loss provision to net charge-offs | 85.5911% | 3,600 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 4,593 |
| Efficiency ratio | 73.5031% | 3,467 |
| Assets per employee ($millions) | 5.2306% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7731% | 1,104 |
| Loan loss allowance to noncurrent loans | 72.8959% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 10.7698% | 332 |
| Noncurrent loans to loans | 3.8042% | 1,836 |
| Net loans and leases to total assets | 64.9000% | 3,274 |
| Net loans and leases to deposits | 71.2294% | 4,254 |
| Net loans and leases to core deposits | 72.4842% | 4,759 |
| Total domestic deposits to total assets | 91.1141% | 462 |
| Equity capital to assets | 8.2393% | 6,481 |
| Core capital (leverage) ratio | 7.9301% | 6,382 |
| Tier 1 risk-based capital ratio | 10.6362% | 6,742 |
| Total risk-based capital ratio | 11.9008% | 6,723 |
| Memoranda: | ||
| Average total assets | $149,633,000 | 3,851 |
| Average earning assets | $126,647,670 | 4,055 |
| Average equity | $11,799,330 | 4,613 |
| Average total loans | $101,475,330 | 3,644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 4,826 |
| Cost of funding earning assets | 1.3539% | 1,864 |
| Net interest margin | 3.2752% | 5,862 |
| Noninterest income to average assets | 0.6031% | 3,137 |
| Noninterest expense to average assets | 2.9176% | 3,989 |
| Loan and lease loss provision to assets | 0.3968% | 2,210 |
| Net operating income to assets | 0.0529% | 6,225 |
| Return on assets (ROA) | 0.0846% | 6,187 |
| Pretax return on assets | 0.0846% | 6,206 |
| Return on Equity (ROE) | 1.0973% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.0973% | 5,389 |
| Net charge-offs to loans | 0.4374% | 2,389 |
| Credit loss provision to net charge-offs | 132.7434% | 2,090 |
| Earnings coverage of net charge-offs (x) | 1.5044% | 3,580 |
| Efficiency ratio | 86.6457% | 1,642 |
| Assets per employee ($millions) | 5.2372% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8428% | 1,065 |
| Loan loss allowance to noncurrent loans | 57.0603% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 12.0411% | 267 |
| Noncurrent loans to loans | 4.9821% | 1,354 |
| Net loans and leases to total assets | 64.4687% | 3,360 |
| Net loans and leases to deposits | 70.4825% | 4,272 |
| Net loans and leases to core deposits | 71.6607% | 4,830 |
| Total domestic deposits to total assets | 91.4676% | 425 |
| Equity capital to assets | 7.6857% | 6,758 |
| Core capital (leverage) ratio | 7.7049% | 6,556 |
| Tier 1 risk-based capital ratio | 10.1460% | 6,951 |
| Total risk-based capital ratio | 11.4113% | 6,945 |
| Memoranda: | ||
| Average total assets | $151,221,500 | 3,861 |
| Average earning assets | $127,627,500 | 4,071 |
| Average equity | $11,665,500 | 4,629 |
| Average total loans | $103,332,500 | 3,635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 4,599 |
| Cost of funding earning assets | 1.6328% | 1,902 |
| Net interest margin | 3.3595% | 5,760 |
| Noninterest income to average assets | 0.7023% | 2,831 |
| Noninterest expense to average assets | 3.0753% | 3,566 |
| Loan and lease loss provision to assets | 2.6372% | 408 |
| Net operating income to assets | -2.1339% | 7,090 |
| Return on assets (ROA) | -1.8967% | 7,042 |
| Pretax return on assets | -1.8967% | 6,991 |
| Return on Equity (ROE) | -24.0639% | 7,111 |
| Retained earnings to average equity (ytd only) | -24.0639% | 7,091 |
| Net charge-offs to loans | 3.3883% | 438 |
| Credit loss provision to net charge-offs | 106.9463% | 4,162 |
| Earnings coverage of net charge-offs (x) | 0.2041% | 5,901 |
| Efficiency ratio | 85.9352% | 1,706 |
| Assets per employee ($millions) | 5.3773% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6708% | 1,203 |
| Loan loss allowance to noncurrent loans | 35.3147% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 11.9492% | 278 |
| Noncurrent loans to loans | 7.5629% | 715 |
| Net loans and leases to total assets | 68.4478% | 2,874 |
| Net loans and leases to deposits | 74.7461% | 4,074 |
| Net loans and leases to core deposits | 75.5356% | 4,781 |
| Total domestic deposits to total assets | 91.5736% | 382 |
| Equity capital to assets | 7.7429% | 6,714 |
| Core capital (leverage) ratio | 7.7589% | 6,486 |
| Tier 1 risk-based capital ratio | 10.0250% | 6,973 |
| Total risk-based capital ratio | 11.2898% | 6,954 |
| Memoranda: | ||
| Average total assets | $151,789,400 | 3,849 |
| Average earning assets | $129,960,200 | 4,018 |
| Average equity | $11,964,000 | 4,619 |
| Average total loans | $110,470,000 | 3,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0821% | 4,416 |
| Cost of funding earning assets | 1.6920% | 1,916 |
| Net interest margin | 3.3901% | 5,714 |
| Noninterest income to average assets | 0.7364% | 2,601 |
| Noninterest expense to average assets | 3.1304% | 3,190 |
| Loan and lease loss provision to assets | 3.3662% | 227 |
| Net operating income to assets | -2.8394% | 7,419 |
| Return on assets (ROA) | -2.5238% | 7,366 |
| Pretax return on assets | -2.5238% | 7,321 |
| Return on Equity (ROE) | -31.8805% | 7,413 |
| Retained earnings to average equity (ytd only) | -31.8805% | 7,406 |
| Net charge-offs to loans | 4.1618% | 283 |
| Credit loss provision to net charge-offs | 110.2181% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.1725% | 5,848 |
| Efficiency ratio | 85.5944% | 1,675 |
| Assets per employee ($millions) | 5.1174% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7344% | 1,054 |
| Loan loss allowance to noncurrent loans | 40.2312% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 13.0103% | 228 |
| Noncurrent loans to loans | 6.7967% | 853 |
| Net loans and leases to total assets | 70.0854% | 2,712 |
| Net loans and leases to deposits | 76.8301% | 4,035 |
| Net loans and leases to core deposits | 77.8537% | 4,817 |
| Total domestic deposits to total assets | 91.2214% | 375 |
| Equity capital to assets | 7.9101% | 6,865 |
| Core capital (leverage) ratio | 7.8212% | 6,554 |
| Tier 1 risk-based capital ratio | 9.6852% | 7,196 |
| Total risk-based capital ratio | 10.9493% | 7,180 |
| Memoranda: | ||
| Average total assets | $152,096,000 | 3,897 |
| Average earning assets | $131,044,750 | 4,046 |
| Average equity | $12,040,500 | 4,667 |
| Average total loans | $111,616,250 | 3,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 4,837 |
| Cost of funding earning assets | 1.7695% | 1,771 |
| Net interest margin | 3.2522% | 6,162 |
| Noninterest income to average assets | 0.6626% | 2,942 |
| Noninterest expense to average assets | 3.1684% | 3,023 |
| Loan and lease loss provision to assets | 4.1806% | 177 |
| Net operating income to assets | -3.8767% | 7,608 |
| Return on assets (ROA) | -3.5623% | 7,589 |
| Pretax return on assets | -3.5623% | 7,553 |
| Return on Equity (ROE) | -44.9881% | 7,574 |
| Retained earnings to average equity (ytd only) | -44.9881% | 7,566 |
| Net charge-offs to loans | 5.5223% | 165 |
| Credit loss provision to net charge-offs | 102.5600% | 3,977 |
| Earnings coverage of net charge-offs (x) | 0.0746% | 5,649 |
| Efficiency ratio | 91.2472% | 1,242 |
| Assets per employee ($millions) | 4.9634% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 1,405 |
| Loan loss allowance to noncurrent loans | 25.1831% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 13.8151% | 186 |
| Noncurrent loans to loans | 9.6229% | 473 |
| Net loans and leases to total assets | 71.6062% | 2,512 |
| Net loans and leases to deposits | 78.5610% | 3,874 |
| Net loans and leases to core deposits | 79.7539% | 4,719 |
| Total domestic deposits to total assets | 91.1472% | 433 |
| Equity capital to assets | 8.0261% | 6,732 |
| Core capital (leverage) ratio | 7.7470% | 6,559 |
| Tier 1 risk-based capital ratio | 9.7232% | 7,177 |
| Total risk-based capital ratio | 10.9839% | 7,160 |
| Memoranda: | ||
| Average total assets | $153,326,000 | 3,895 |
| Average earning assets | $132,464,330 | 4,048 |
| Average equity | $12,141,000 | 4,643 |
| Average total loans | $113,176,670 | 3,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 3,782 |
| Cost of funding earning assets | 1.7611% | 2,062 |
| Net interest margin | 3.4897% | 5,203 |
| Noninterest income to average assets | 0.4501% | 4,463 |
| Noninterest expense to average assets | 3.5464% | 1,858 |
| Loan and lease loss provision to assets | 3.1118% | 314 |
| Net operating income to assets | -3.1812% | 7,656 |
| Return on assets (ROA) | -3.1812% | 7,653 |
| Pretax return on assets | -3.1812% | 7,615 |
| Return on Equity (ROE) | -40.4381% | 7,652 |
| Retained earnings to average equity (ytd only) | -40.4381% | 7,636 |
| Net charge-offs to loans | 3.8392% | 355 |
| Credit loss provision to net charge-offs | 109.5023% | 3,146 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 5,045 |
| Efficiency ratio | 101.9970% | 785 |
| Assets per employee ($millions) | 5.2062% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3384% | 1,520 |
| Loan loss allowance to noncurrent loans | 32.9228% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 11.2277% | 316 |
| Noncurrent loans to loans | 7.1027% | 832 |
| Net loans and leases to total assets | 71.4768% | 2,571 |
| Net loans and leases to deposits | 79.5695% | 3,733 |
| Net loans and leases to core deposits | 81.0784% | 4,609 |
| Total domestic deposits to total assets | 89.8294% | 1,078 |
| Equity capital to assets | 7.4412% | 7,112 |
| Core capital (leverage) ratio | 7.3637% | 6,974 |
| Tier 1 risk-based capital ratio | 9.1692% | 7,439 |
| Total risk-based capital ratio | 10.4301% | 7,438 |
| Memoranda: | ||
| Average total assets | $155,538,000 | 3,916 |
| Average earning assets | $134,912,000 | 4,060 |
| Average equity | $12,236,000 | 4,650 |
| Average total loans | $115,129,500 | 3,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 4,794 |
| Cost of funding earning assets | 2.2717% | 1,761 |
| Net interest margin | 3.1076% | 6,344 |
| Noninterest income to average assets | 0.4370% | 4,904 |
| Noninterest expense to average assets | 2.8041% | 4,961 |
| Loan and lease loss provision to assets | 0.2115% | 5,653 |
| Net operating income to assets | 0.1564% | 5,034 |
| Return on assets (ROA) | 0.1564% | 5,103 |
| Pretax return on assets | 0.1564% | 5,097 |
| Return on Equity (ROE) | 1.9161% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.9161% | 3,755 |
| Net charge-offs to loans | 0.5244% | 3,684 |
| Credit loss provision to net charge-offs | 52.2979% | 6,720 |
| Earnings coverage of net charge-offs (x) | 0.9097% | 5,201 |
| Efficiency ratio | 88.4040% | 1,848 |
| Assets per employee ($millions) | 5.1630% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2147% | 1,626 |
| Loan loss allowance to noncurrent loans | 29.5478% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 11.5436% | 278 |
| Noncurrent loans to loans | 7.4955% | 705 |
| Net loans and leases to total assets | 73.2012% | 2,450 |
| Net loans and leases to deposits | 82.1097% | 3,599 |
| Net loans and leases to core deposits | 92.5295% | 4,827 |
| Total domestic deposits to total assets | 89.1504% | 1,411 |
| Equity capital to assets | 8.2962% | 6,201 |
| Core capital (leverage) ratio | 8.3721% | 5,497 |
| Tier 1 risk-based capital ratio | 9.9516% | 6,916 |
| Total risk-based capital ratio | 11.2106% | 6,886 |
| Memoranda: | ||
| Average total assets | $156,055,400 | 3,858 |
| Average earning assets | $137,340,800 | 3,950 |
| Average equity | $12,734,400 | 4,579 |
| Average total loans | $120,338,400 | 3,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 5,355 |
| Cost of funding earning assets | 2.3953% | 1,652 |
| Net interest margin | 2.9180% | 6,811 |
| Noninterest income to average assets | 0.4068% | 5,232 |
| Noninterest expense to average assets | 2.8500% | 4,671 |
| Loan and lease loss provision to assets | 0.0213% | 7,143 |
| Net operating income to assets | 0.1109% | 5,432 |
| Return on assets (ROA) | 0.1109% | 5,489 |
| Pretax return on assets | 0.1109% | 5,501 |
| Return on Equity (ROE) | 1.3642% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.3642% | 4,554 |
| Net charge-offs to loans | 0.4919% | 3,260 |
| Credit loss provision to net charge-offs | 5.5804% | 6,638 |
| Earnings coverage of net charge-offs (x) | 0.3460% | 5,678 |
| Efficiency ratio | 95.5676% | 1,299 |
| Assets per employee ($millions) | 4.3744% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,685 |
| Loan loss allowance to noncurrent loans | 23.3352% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 12.3368% | 210 |
| Noncurrent loans to loans | 8.7927% | 519 |
| Net loans and leases to total assets | 76.2663% | 1,940 |
| Net loans and leases to deposits | 85.8144% | 3,352 |
| Net loans and leases to core deposits | 98.9291% | 4,493 |
| Total domestic deposits to total assets | 88.8735% | 1,257 |
| Equity capital to assets | 8.3310% | 6,466 |
| Core capital (leverage) ratio | 8.1555% | 6,093 |
| Tier 1 risk-based capital ratio | 9.7458% | 7,192 |
| Total risk-based capital ratio | 11.0036% | 7,149 |
| Memoranda: | ||
| Average total assets | $156,346,500 | 3,867 |
| Average earning assets | $137,988,750 | 3,967 |
| Average equity | $12,705,500 | 4,602 |
| Average total loans | $121,435,500 | 3,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 5,325 |
| Cost of funding earning assets | 2.4976% | 1,619 |
| Net interest margin | 2.8675% | 6,870 |
| Noninterest income to average assets | 0.4599% | 4,778 |
| Noninterest expense to average assets | 2.7657% | 5,111 |
| Loan and lease loss provision to assets | 0.0318% | 6,924 |
| Net operating income to assets | 0.1931% | 5,286 |
| Return on assets (ROA) | 0.1931% | 5,363 |
| Pretax return on assets | 0.1931% | 5,484 |
| Return on Equity (ROE) | 2.3958% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.3958% | 3,998 |
| Net charge-offs to loans | -0.0033% | 7,498 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4809% | 1,605 |
| Assets per employee ($millions) | 4.3803% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4116% | 979 |
| Loan loss allowance to noncurrent loans | 37.9306% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 9.1528% | 366 |
| Noncurrent loans to loans | 6.3579% | 842 |
| Net loans and leases to total assets | 74.3173% | 2,618 |
| Net loans and leases to deposits | 85.3322% | 3,675 |
| Net loans and leases to core deposits | 101.2231% | 4,376 |
| Total domestic deposits to total assets | 87.0918% | 2,207 |
| Equity capital to assets | 8.0982% | 6,632 |
| Core capital (leverage) ratio | 7.8993% | 6,490 |
| Tier 1 risk-based capital ratio | 9.6787% | 7,249 |
| Total risk-based capital ratio | 10.9402% | 7,179 |
| Memoranda: | ||
| Average total assets | $157,427,670 | 3,874 |
| Average earning assets | $138,935,670 | 3,971 |
| Average equity | $12,689,000 | 4,630 |
| Average total loans | $122,176,670 | 3,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 6,201 |
| Cost of funding earning assets | 2.4845% | 1,974 |
| Net interest margin | 2.7418% | 7,115 |
| Noninterest income to average assets | 0.4145% | 5,099 |
| Noninterest expense to average assets | 2.6396% | 5,269 |
| Loan and lease loss provision to assets | 0.0636% | 6,157 |
| Net operating income to assets | 0.1500% | 5,820 |
| Return on assets (ROA) | 0.1500% | 5,990 |
| Pretax return on assets | 0.1500% | 6,050 |
| Return on Equity (ROE) | 1.8658% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.8658% | 4,817 |
| Net charge-offs to loans | -0.0065% | 7,212 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5134% | 1,536 |
| Assets per employee ($millions) | 4.4904% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3733% | 879 |
| Loan loss allowance to noncurrent loans | 25.7560% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 10.0492% | 225 |
| Noncurrent loans to loans | 9.2145% | 342 |
| Net loans and leases to total assets | 73.6938% | 2,833 |
| Net loans and leases to deposits | 86.0442% | 3,622 |
| Net loans and leases to core deposits | 102.9006% | 4,250 |
| Total domestic deposits to total assets | 85.6465% | 2,901 |
| Equity capital to assets | 7.8377% | 7,022 |
| Core capital (leverage) ratio | 8.0682% | 6,350 |
| Tier 1 risk-based capital ratio | 9.4842% | 7,438 |
| Total risk-based capital ratio | 10.7458% | 7,378 |
| Memoranda: | ||
| Average total assets | $157,296,500 | 3,878 |
| Average earning assets | $139,907,000 | 3,957 |
| Average equity | $12,648,500 | 4,666 |
| Average total loans | $123,221,500 | 3,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2613% | 4,177 |
| Cost of funding earning assets | 2.8838% | 2,335 |
| Net interest margin | 3.3775% | 5,754 |
| Noninterest income to average assets | 0.4375% | 5,143 |
| Noninterest expense to average assets | 2.6994% | 5,269 |
| Loan and lease loss provision to assets | 0.7601% | 1,965 |
| Net operating income to assets | 0.0690% | 6,185 |
| Return on assets (ROA) | 0.0861% | 5,981 |
| Pretax return on assets | 0.0861% | 5,973 |
| Return on Equity (ROE) | 0.9965% | 5,916 |
| Retained earnings to average equity (ytd only) | -2.1908% | 5,923 |
| Net charge-offs to loans | 0.2891% | 3,476 |
| Credit loss provision to net charge-offs | 308.8889% | 1,461 |
| Earnings coverage of net charge-offs (x) | 3.3694% | 4,400 |
| Efficiency ratio | 76.5014% | 3,149 |
| Assets per employee ($millions) | 4.4982% | 2,620 |
| Cash dividends to net income (ytd only)* | 319.8413% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 849 |
| Loan loss allowance to noncurrent loans | 40.6432% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 7.8855% | 300 |
| Noncurrent loans to loans | 5.6736% | 678 |
| Net loans and leases to total assets | 79.4755% | 1,778 |
| Net loans and leases to deposits | 93.3951% | 2,877 |
| Net loans and leases to core deposits | 111.6081% | 3,605 |
| Total domestic deposits to total assets | 85.0960% | 2,798 |
| Equity capital to assets | 8.2562% | 6,473 |
| Core capital (leverage) ratio | 8.3028% | 5,945 |
| Tier 1 risk-based capital ratio | 9.3195% | 7,502 |
| Total risk-based capital ratio | 10.5781% | 7,416 |
| Memoranda: | ||
| Average total assets | $146,290,200 | 3,966 |
| Average earning assets | $133,886,800 | 3,973 |
| Average equity | $12,643,800 | 4,661 |
| Average total loans | $124,538,600 | 3,363 |