Home > PromiseOne Bank > Performance and Condition Ratios
PromiseOne Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6646% | 579 |
| Cost of funding earning assets | 3.6097% | 154 |
| Net interest margin | 3.0550% | 3,050 |
| Noninterest income to average assets | 0.7300% | 1,087 |
| Noninterest expense to average assets | 2.0475% | 3,504 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.5083% | 897 |
| Return on assets (ROA) | 1.5083% | 894 |
| Pretax return on assets | 1.5083% | 1,257 |
| Return on Equity (ROE) | 17.9400% | 576 |
| Retained earnings to average equity (ytd only) | 6.0683% | 1,802 |
| Net charge-offs to loans | 0.0443% | 1,725 |
| Credit loss provision to net charge-offs | 219.1235% | 1,079 |
| Earnings coverage of net charge-offs (x) | 46.6255% | 1,258 |
| Efficiency ratio | 56.3370% | 3,526 |
| Assets per employee ($millions) | 8.1965% | 1,424 |
| Cash dividends to net income (ytd only)* | 66.1692% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,549 |
| Loan loss allowance to noncurrent loans | 101.2147% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 1,097 |
| Noncurrent loans to loans | 0.9156% | 1,086 |
| Net loans and leases to total assets | 71.3500% | 1,745 |
| Net loans and leases to deposits | 78.3822% | 2,259 |
| Net loans and leases to core deposits | 109.6162% | 953 |
| Total domestic deposits to total assets | 91.0300% | 507 |
| Equity capital to assets | 7.7013% | 3,670 |
| Core capital (leverage) ratio | 9.6421% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3546% | 990 |
| Memoranda: | ||
| Average total assets | $737,476,800 | 1,303 |
| Average earning assets | $701,088,000 | 1,276 |
| Average equity | $62,010,600 | 1,453 |
| Average total loans | $566,333,000 | 1,178 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6127% | 593 |
| Cost of funding earning assets | 3.6298% | 160 |
| Net interest margin | 2.9829% | 3,134 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 1.9674% | 3,633 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.5516% | 872 |
| Return on assets (ROA) | 1.5516% | 872 |
| Pretax return on assets | 1.5516% | 1,232 |
| Return on Equity (ROE) | 18.0300% | 578 |
| Retained earnings to average equity (ytd only) | 5.3405% | 2,328 |
| Net charge-offs to loans | 0.0610% | 1,297 |
| Credit loss provision to net charge-offs | 116.7315% | 1,521 |
| Earnings coverage of net charge-offs (x) | 33.8405% | 1,439 |
| Efficiency ratio | 54.9518% | 3,639 |
| Assets per employee ($millions) | 8.4020% | 1,302 |
| Cash dividends to net income (ytd only)* | 70.3717% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 3,674 |
| Loan loss allowance to noncurrent loans | 101.9561% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,012 |
| Noncurrent loans to loans | 0.8802% | 1,139 |
| Net loans and leases to total assets | 78.8600% | 785 |
| Net loans and leases to deposits | 90.5866% | 1,189 |
| Net loans and leases to core deposits | 130.0728% | 390 |
| Total domestic deposits to total assets | 87.0600% | 1,577 |
| Equity capital to assets | 9.0978% | 2,965 |
| Core capital (leverage) ratio | 11.1304% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1377% | 906 |
| Memoranda: | ||
| Average total assets | $718,983,500 | 1,312 |
| Average earning assets | $682,371,250 | 1,293 |
| Average equity | $61,890,250 | 1,438 |
| Average total loans | $561,816,500 | 1,175 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6565% | 535 |
| Cost of funding earning assets | 3.6487% | 137 |
| Net interest margin | 3.0078% | 3,034 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 1.9474% | 3,662 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.5428% | 852 |
| Return on assets (ROA) | 1.5428% | 861 |
| Pretax return on assets | 1.5428% | 1,201 |
| Return on Equity (ROE) | 18.2700% | 589 |
| Retained earnings to average equity (ytd only) | 3.6992% | 2,821 |
| Net charge-offs to loans | 0.0929% | 903 |
| Credit loss provision to net charge-offs | 115.8301% | 1,375 |
| Earnings coverage of net charge-offs (x) | 22.6525% | 1,560 |
| Efficiency ratio | 54.3637% | 3,724 |
| Assets per employee ($millions) | 8.6130% | 1,153 |
| Cash dividends to net income (ytd only)* | 79.7544% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 3,660 |
| Loan loss allowance to noncurrent loans | 217.0875% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 1,806 |
| Noncurrent loans to loans | 0.4203% | 1,942 |
| Net loans and leases to total assets | 78.3500% | 868 |
| Net loans and leases to deposits | 92.9323% | 1,042 |
| Net loans and leases to core deposits | 136.0385% | 317 |
| Total domestic deposits to total assets | 84.3100% | 2,523 |
| Equity capital to assets | 8.5226% | 3,088 |
| Core capital (leverage) ratio | 10.8988% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0913% | 905 |
| Memoranda: | ||
| Average total assets | $717,787,333 | 1,318 |
| Average earning assets | $680,359,667 | 1,291 |
| Average equity | $60,607,667 | 1,455 |
| Average total loans | $557,420,333 | 1,183 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6347% | 497 |
| Cost of funding earning assets | 3.6525% | 124 |
| Net interest margin | 2.9822% | 3,025 |
| Noninterest income to average assets | 0.7700% | 891 |
| Noninterest expense to average assets | 1.9398% | 3,696 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.5405% | 841 |
| Return on assets (ROA) | 1.5405% | 850 |
| Pretax return on assets | 1.5405% | 1,194 |
| Return on Equity (ROE) | 18.3300% | 577 |
| Retained earnings to average equity (ytd only) | 7.3186% | 1,735 |
| Net charge-offs to loans | 0.0846% | 802 |
| Credit loss provision to net charge-offs | 158.1197% | 917 |
| Earnings coverage of net charge-offs (x) | 25.3846% | 1,238 |
| Efficiency ratio | 54.0105% | 3,762 |
| Assets per employee ($millions) | 8.8197% | 1,095 |
| Cash dividends to net income (ytd only)* | 60.0722% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,603 |
| Loan loss allowance to noncurrent loans | 1,525.0000% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 2,990 |
| Noncurrent loans to loans | 0.0609% | 3,329 |
| Net loans and leases to total assets | 76.4400% | 1,018 |
| Net loans and leases to deposits | 90.0194% | 1,200 |
| Net loans and leases to core deposits | 130.8553% | 404 |
| Total domestic deposits to total assets | 84.9200% | 2,438 |
| Equity capital to assets | 8.3228% | 3,138 |
| Core capital (leverage) ratio | 11.0121% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2830% | 883 |
| Memoranda: | ||
| Average total assets | $719,243,000 | 1,318 |
| Average earning assets | $680,848,000 | 1,292 |
| Average equity | $60,448,500 | 1,447 |
| Average total loans | $553,507,500 | 1,183 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3670% | 398 |
| Cost of funding earning assets | 3.2140% | 111 |
| Net interest margin | 3.1529% | 2,976 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 1.9735% | 3,697 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7411% | 677 |
| Return on assets (ROA) | 1.7394% | 650 |
| Pretax return on assets | 1.7394% | 988 |
| Return on Equity (ROE) | 21.3900% | 508 |
| Retained earnings to average equity (ytd only) | 9.6737% | 1,097 |
| Net charge-offs to loans | 0.0171% | 2,028 |
| Credit loss provision to net charge-offs | 303.2967% | 954 |
| Earnings coverage of net charge-offs (x) | 138.1319% | 750 |
| Efficiency ratio | 52.5463% | 3,783 |
| Assets per employee ($millions) | 8.3171% | 1,270 |
| Cash dividends to net income (ytd only)* | 54.7848% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,600 |
| Loan loss allowance to noncurrent loans | 685.0067% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,717 |
| Noncurrent loans to loans | 0.1361% | 2,827 |
| Net loans and leases to total assets | 76.0400% | 1,111 |
| Net loans and leases to deposits | 89.6445% | 1,301 |
| Net loans and leases to core deposits | 133.0345% | 356 |
| Total domestic deposits to total assets | 84.8200% | 2,364 |
| Equity capital to assets | 8.4870% | 3,066 |
| Core capital (leverage) ratio | 10.9838% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3545% | 858 |
| Memoranda: | ||
| Average total assets | $705,294,400 | 1,305 |
| Average earning assets | $664,774,600 | 1,289 |
| Average equity | $57,341,200 | 1,436 |
| Average total loans | $530,614,000 | 1,176 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2781% | 374 |
| Cost of funding earning assets | 3.1090% | 102 |
| Net interest margin | 3.1691% | 2,984 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 1.9569% | 3,692 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7827% | 691 |
| Return on assets (ROA) | 1.7805% | 681 |
| Pretax return on assets | 1.7805% | 1,036 |
| Return on Equity (ROE) | 22.1500% | 548 |
| Retained earnings to average equity (ytd only) | 10.0622% | 1,382 |
| Net charge-offs to loans | 0.0233% | 1,625 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 105.2935% | 897 |
| Efficiency ratio | 51.5698% | 3,789 |
| Assets per employee ($millions) | 8.4064% | 1,158 |
| Cash dividends to net income (ytd only)* | 54.5658% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,603 |
| Loan loss allowance to noncurrent loans | 674.0448% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,712 |
| Noncurrent loans to loans | 0.1393% | 2,857 |
| Net loans and leases to total assets | 76.4500% | 1,070 |
| Net loans and leases to deposits | 90.7218% | 1,175 |
| Net loans and leases to core deposits | 133.8058% | 296 |
| Total domestic deposits to total assets | 84.2700% | 2,696 |
| Equity capital to assets | 7.8252% | 3,165 |
| Core capital (leverage) ratio | 10.8650% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1946% | 919 |
| Memoranda: | ||
| Average total assets | $702,800,000 | 1,303 |
| Average earning assets | $661,504,250 | 1,285 |
| Average equity | $56,500,250 | 1,440 |
| Average total loans | $526,020,000 | 1,181 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1322% | 381 |
| Cost of funding earning assets | 2.9695% | 91 |
| Net interest margin | 3.1627% | 3,071 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 1.9675% | 3,666 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7686% | 692 |
| Return on assets (ROA) | 1.7652% | 701 |
| Pretax return on assets | 1.7652% | 1,085 |
| Return on Equity (ROE) | 21.7600% | 559 |
| Retained earnings to average equity (ytd only) | 8.2685% | 1,885 |
| Net charge-offs to loans | 0.0527% | 991 |
| Credit loss provision to net charge-offs | 194.1606% | 1,062 |
| Earnings coverage of net charge-offs (x) | 47.3577% | 1,314 |
| Efficiency ratio | 51.5495% | 3,811 |
| Assets per employee ($millions) | 8.7325% | 991 |
| Cash dividends to net income (ytd only)* | 62.0055% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,612 |
| Loan loss allowance to noncurrent loans | 1,961.6279% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 1,153 |
| Noncurrent loans to loans | 0.0485% | 3,366 |
| Net loans and leases to total assets | 74.4900% | 1,226 |
| Net loans and leases to deposits | 86.8917% | 1,435 |
| Net loans and leases to core deposits | 124.8022% | 416 |
| Total domestic deposits to total assets | 85.7300% | 2,321 |
| Equity capital to assets | 8.0968% | 3,152 |
| Core capital (leverage) ratio | 10.8834% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9633% | 964 |
| Memoranda: | ||
| Average total assets | $701,686,667 | 1,296 |
| Average earning assets | $659,241,333 | 1,282 |
| Average equity | $56,914,667 | 1,439 |
| Average total loans | $519,708,667 | 1,177 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9386% | 335 |
| Cost of funding earning assets | 2.7411% | 64 |
| Net interest margin | 3.1974% | 3,123 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 1.9723% | 3,684 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.7268% | 780 |
| Return on assets (ROA) | 1.7228% | 779 |
| Pretax return on assets | 1.7228% | 1,229 |
| Return on Equity (ROE) | 21.2200% | 645 |
| Retained earnings to average equity (ytd only) | 5.4286% | 2,912 |
| Net charge-offs to loans | 0.1254% | 521 |
| Credit loss provision to net charge-offs | 100.6211% | 1,106 |
| Earnings coverage of net charge-offs (x) | 19.8882% | 1,454 |
| Efficiency ratio | 51.8351% | 3,794 |
| Assets per employee ($millions) | 8.1117% | 1,286 |
| Cash dividends to net income (ytd only)* | 74.4186% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,709 |
| Loan loss allowance to noncurrent loans | 209.2027% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 1,507 |
| Noncurrent loans to loans | 0.4554% | 1,580 |
| Net loans and leases to total assets | 73.5200% | 1,262 |
| Net loans and leases to deposits | 86.3738% | 1,324 |
| Net loans and leases to core deposits | 125.1504% | 345 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 8.2901% | 3,045 |
| Core capital (leverage) ratio | 10.9175% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3973% | 929 |
| Memoranda: | ||
| Average total assets | $698,864,500 | 1,316 |
| Average earning assets | $657,399,500 | 1,301 |
| Average equity | $56,736,500 | 1,457 |
| Average total loans | $513,587,000 | 1,204 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 309 |
| Cost of funding earning assets | 1.1080% | 103 |
| Net interest margin | 3.8762% | 1,011 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.1953% | 3,038 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 2.2546% | 197 |
| Return on assets (ROA) | 2.2548% | 188 |
| Pretax return on assets | 2.2548% | 286 |
| Return on Equity (ROE) | 23.6600% | 257 |
| Retained earnings to average equity (ytd only) | 7.6313% | 1,977 |
| Net charge-offs to loans | 0.0045% | 2,280 |
| Credit loss provision to net charge-offs | 2,528.5714% | 213 |
| Earnings coverage of net charge-offs (x) | 703.7143% | 255 |
| Efficiency ratio | 48.4188% | 4,218 |
| Assets per employee ($millions) | 8.1410% | 1,255 |
| Cash dividends to net income (ytd only)* | 67.7499% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,620 |
| Loan loss allowance to noncurrent loans | 203.0815% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,496 |
| Noncurrent loans to loans | 0.4651% | 1,542 |
| Net loans and leases to total assets | 72.0700% | 1,412 |
| Net loans and leases to deposits | 86.8871% | 1,253 |
| Net loans and leases to core deposits | 123.6730% | 308 |
| Total domestic deposits to total assets | 82.9400% | 3,434 |
| Equity capital to assets | 7.9473% | 3,093 |
| Core capital (leverage) ratio | 10.9035% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2991% | 932 |
| Memoranda: | ||
| Average total assets | $631,898,200 | 1,417 |
| Average earning assets | $586,350,200 | 1,415 |
| Average equity | $60,212,400 | 1,399 |
| Average total loans | $464,816,400 | 1,238 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 345 |
| Cost of funding earning assets | 0.7316% | 222 |
| Net interest margin | 3.9827% | 657 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 2.1659% | 3,021 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.4205% | 164 |
| Return on assets (ROA) | 2.4207% | 162 |
| Pretax return on assets | 2.4207% | 234 |
| Return on Equity (ROE) | 24.2600% | 212 |
| Retained earnings to average equity (ytd only) | 7.4298% | 2,221 |
| Net charge-offs to loans | 0.0068% | 1,905 |
| Credit loss provision to net charge-offs | 2,308.6957% | 220 |
| Earnings coverage of net charge-offs (x) | 508.3913% | 307 |
| Efficiency ratio | 46.0680% | 4,375 |
| Assets per employee ($millions) | 7.3558% | 1,704 |
| Cash dividends to net income (ytd only)* | 69.3720% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,718 |
| Loan loss allowance to noncurrent loans | 199.2955% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,365 |
| Noncurrent loans to loans | 0.4730% | 1,618 |
| Net loans and leases to total assets | 76.3300% | 871 |
| Net loans and leases to deposits | 92.5429% | 734 |
| Net loans and leases to core deposits | 121.1543% | 242 |
| Total domestic deposits to total assets | 82.4800% | 3,758 |
| Equity capital to assets | 8.1899% | 2,768 |
| Core capital (leverage) ratio | 11.5458% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3165% | 946 |
| Memoranda: | ||
| Average total assets | $614,841,750 | 1,454 |
| Average earning assets | $568,953,500 | 1,455 |
| Average equity | $61,355,250 | 1,396 |
| Average total loans | $453,678,750 | 1,256 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 407 |
| Cost of funding earning assets | 0.5108% | 487 |
| Net interest margin | 3.9344% | 572 |
| Noninterest income to average assets | 1.1257% | 528 |
| Noninterest expense to average assets | 2.1315% | 3,060 |
| Loan and lease loss provision to assets | 0.1422% | 669 |
| Net operating income to assets | 2.4803% | 114 |
| Return on assets (ROA) | 2.4807% | 110 |
| Pretax return on assets | 2.4807% | 170 |
| Return on Equity (ROE) | 23.3188% | 154 |
| Retained earnings to average equity (ytd only) | 4.9267% | 2,733 |
| Net charge-offs to loans | 0.0129% | 1,533 |
| Credit loss provision to net charge-offs | 1,521.4286% | 292 |
| Earnings coverage of net charge-offs (x) | 280.5714% | 424 |
| Efficiency ratio | 44.8353% | 4,499 |
| Assets per employee ($millions) | 6.8046% | 2,067 |
| Cash dividends to net income (ytd only)* | 78.8723% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 3,703 |
| Loan loss allowance to noncurrent loans | 193.8531% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 1,267 |
| Noncurrent loans to loans | 0.5035% | 1,619 |
| Net loans and leases to total assets | 76.9895% | 639 |
| Net loans and leases to deposits | 91.5542% | 631 |
| Net loans and leases to core deposits | 118.5765% | 213 |
| Total domestic deposits to total assets | 84.0917% | 3,672 |
| Equity capital to assets | 9.2141% | 2,222 |
| Core capital (leverage) ratio | 12.0816% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6190% | 905 |
| Memoranda: | ||
| Average total assets | $599,113,667 | 1,494 |
| Average earning assets | $552,509,667 | 1,510 |
| Average equity | $63,734,000 | 1,377 |
| Average total loans | $434,867,667 | 1,289 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 440 |
| Cost of funding earning assets | 0.4603% | 618 |
| Net interest margin | 3.8351% | 594 |
| Noninterest income to average assets | 1.2488% | 454 |
| Noninterest expense to average assets | 2.1879% | 2,875 |
| Loan and lease loss provision to assets | 0.1025% | 811 |
| Net operating income to assets | 2.5057% | 122 |
| Return on assets (ROA) | 2.5057% | 117 |
| Pretax return on assets | 2.5057% | 184 |
| Return on Equity (ROE) | 22.0057% | 154 |
| Retained earnings to average equity (ytd only) | -1.7831% | 4,229 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6180% | 4,508 |
| Assets per employee ($millions) | 6.4245% | 2,435 |
| Cash dividends to net income (ytd only)* | 108.1030% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,436 |
| Loan loss allowance to noncurrent loans | 171.0992% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 1,232 |
| Noncurrent loans to loans | 0.6286% | 1,491 |
| Net loans and leases to total assets | 70.0405% | 1,023 |
| Net loans and leases to deposits | 79.0244% | 1,209 |
| Net loans and leases to core deposits | 91.0404% | 874 |
| Total domestic deposits to total assets | 88.6315% | 2,242 |
| Equity capital to assets | 10.8372% | 1,417 |
| Core capital (leverage) ratio | 11.9609% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0453% | 751 |
| Memoranda: | ||
| Average total assets | $589,062,000 | 1,531 |
| Average earning assets | $544,864,000 | 1,549 |
| Average equity | $67,073,500 | 1,370 |
| Average total loans | $411,586,000 | 1,339 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 700 |
| Cost of funding earning assets | 0.6419% | 442 |
| Net interest margin | 3.7707% | 1,068 |
| Noninterest income to average assets | 1.6827% | 404 |
| Noninterest expense to average assets | 2.1372% | 3,280 |
| Loan and lease loss provision to assets | 0.1021% | 1,230 |
| Net operating income to assets | 2.9360% | 105 |
| Return on assets (ROA) | 2.9046% | 107 |
| Pretax return on assets | 2.9046% | 158 |
| Return on Equity (ROE) | 24.8943% | 126 |
| Retained earnings to average equity (ytd only) | 13.9122% | 315 |
| Net charge-offs to loans | 0.1269% | 717 |
| Credit loss provision to net charge-offs | 113.3201% | 1,687 |
| Earnings coverage of net charge-offs (x) | 33.7256% | 1,534 |
| Efficiency ratio | 41.2970% | 4,656 |
| Assets per employee ($millions) | 6.5219% | 2,316 |
| Cash dividends to net income (ytd only)* | 44.1149% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,571 |
| Loan loss allowance to noncurrent loans | 120.7807% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 998 |
| Noncurrent loans to loans | 0.8701% | 1,172 |
| Net loans and leases to total assets | 68.2301% | 1,241 |
| Net loans and leases to deposits | 77.6442% | 1,428 |
| Net loans and leases to core deposits | 91.5108% | 906 |
| Total domestic deposits to total assets | 87.8753% | 2,115 |
| Equity capital to assets | 11.9275% | 1,286 |
| Core capital (leverage) ratio | 12.0335% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3819% | 710 |
| Memoranda: | ||
| Average total assets | $558,385,600 | 1,545 |
| Average earning assets | $517,193,000 | 1,553 |
| Average equity | $65,151,400 | 1,423 |
| Average total loans | $396,283,800 | 1,386 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 781 |
| Cost of funding earning assets | 0.6749% | 442 |
| Net interest margin | 3.7467% | 1,232 |
| Noninterest income to average assets | 1.5945% | 494 |
| Noninterest expense to average assets | 2.0137% | 3,628 |
| Loan and lease loss provision to assets | 0.1194% | 992 |
| Net operating income to assets | 2.9281% | 136 |
| Return on assets (ROA) | 2.8856% | 140 |
| Pretax return on assets | 2.8856% | 201 |
| Return on Equity (ROE) | 24.8809% | 182 |
| Retained earnings to average equity (ytd only) | 13.7886% | 531 |
| Net charge-offs to loans | 0.0801% | 870 |
| Credit loss provision to net charge-offs | 208.4746% | 1,181 |
| Earnings coverage of net charge-offs (x) | 53.2288% | 1,207 |
| Efficiency ratio | 39.7881% | 4,729 |
| Assets per employee ($millions) | 6.1202% | 2,570 |
| Cash dividends to net income (ytd only)* | 44.5818% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,509 |
| Loan loss allowance to noncurrent loans | 60.1796% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 395 |
| Noncurrent loans to loans | 1.8014% | 535 |
| Net loans and leases to total assets | 71.9778% | 878 |
| Net loans and leases to deposits | 82.1401% | 1,110 |
| Net loans and leases to core deposits | 97.1344% | 697 |
| Total domestic deposits to total assets | 87.6281% | 2,047 |
| Equity capital to assets | 12.0418% | 1,379 |
| Core capital (leverage) ratio | 12.1211% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2204% | 778 |
| Memoranda: | ||
| Average total assets | $549,609,000 | 1,583 |
| Average earning assets | $508,524,000 | 1,589 |
| Average equity | $63,742,000 | 1,463 |
| Average total loans | $393,044,500 | 1,427 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 1,046 |
| Cost of funding earning assets | 0.7122% | 437 |
| Net interest margin | 3.5612% | 1,681 |
| Noninterest income to average assets | 1.5537% | 514 |
| Noninterest expense to average assets | 1.8719% | 4,030 |
| Loan and lease loss provision to assets | 0.1024% | 1,236 |
| Net operating income to assets | 2.8736% | 144 |
| Return on assets (ROA) | 2.8345% | 154 |
| Pretax return on assets | 2.8345% | 224 |
| Return on Equity (ROE) | 24.7719% | 201 |
| Retained earnings to average equity (ytd only) | 13.5880% | 619 |
| Net charge-offs to loans | 0.0813% | 860 |
| Credit loss provision to net charge-offs | 177.0701% | 1,100 |
| Earnings coverage of net charge-offs (x) | 51.4713% | 1,054 |
| Efficiency ratio | 38.6129% | 4,786 |
| Assets per employee ($millions) | 6.3096% | 2,321 |
| Cash dividends to net income (ytd only)* | 45.1475% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,542 |
| Loan loss allowance to noncurrent loans | 41.8992% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 242 |
| Noncurrent loans to loans | 2.5546% | 319 |
| Net loans and leases to total assets | 71.6792% | 1,004 |
| Net loans and leases to deposits | 81.1925% | 1,304 |
| Net loans and leases to core deposits | 96.1754% | 796 |
| Total domestic deposits to total assets | 88.2831% | 1,678 |
| Equity capital to assets | 11.4455% | 1,663 |
| Core capital (leverage) ratio | 11.6294% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5490% | 883 |
| Memoranda: | ||
| Average total assets | $543,086,000 | 1,590 |
| Average earning assets | $502,358,667 | 1,598 |
| Average equity | $62,143,000 | 1,482 |
| Average total loans | $386,002,000 | 1,453 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 1,404 |
| Cost of funding earning assets | 0.7662% | 419 |
| Net interest margin | 3.3270% | 2,309 |
| Noninterest income to average assets | 1.4851% | 612 |
| Noninterest expense to average assets | 1.8522% | 4,103 |
| Loan and lease loss provision to assets | 0.0914% | 1,458 |
| Net operating income to assets | 2.6127% | 224 |
| Return on assets (ROA) | 2.6127% | 247 |
| Pretax return on assets | 2.6127% | 369 |
| Return on Equity (ROE) | 22.8364% | 343 |
| Retained earnings to average equity (ytd only) | 9.7253% | 1,734 |
| Net charge-offs to loans | 0.1651% | 488 |
| Credit loss provision to net charge-offs | 78.7097% | 1,215 |
| Earnings coverage of net charge-offs (x) | 23.2839% | 1,194 |
| Efficiency ratio | 40.6512% | 4,728 |
| Assets per employee ($millions) | 6.3348% | 2,306 |
| Cash dividends to net income (ytd only)* | 57.4132% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,521 |
| Loan loss allowance to noncurrent loans | 44.4597% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7344% | 327 |
| Noncurrent loans to loans | 2.4303% | 391 |
| Net loans and leases to total assets | 70.5941% | 1,209 |
| Net loans and leases to deposits | 79.6962% | 1,549 |
| Net loans and leases to core deposits | 96.4799% | 864 |
| Total domestic deposits to total assets | 88.5790% | 1,566 |
| Equity capital to assets | 11.1680% | 1,745 |
| Core capital (leverage) ratio | 11.8168% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8350% | 952 |
| Memoranda: | ||
| Average total assets | $533,851,000 | 1,603 |
| Average earning assets | $492,815,000 | 1,610 |
| Average equity | $61,078,000 | 1,492 |
| Average total loans | $375,566,000 | 1,474 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,514 |
| Cost of funding earning assets | 1.3878% | 130 |
| Net interest margin | 3.0360% | 3,809 |
| Noninterest income to average assets | 1.7385% | 417 |
| Noninterest expense to average assets | 2.5243% | 2,772 |
| Loan and lease loss provision to assets | 0.2542% | 1,526 |
| Net operating income to assets | 1.7537% | 431 |
| Return on assets (ROA) | 1.8339% | 387 |
| Pretax return on assets | 1.8339% | 634 |
| Return on Equity (ROE) | 15.7701% | 532 |
| Retained earnings to average equity (ytd only) | 7.4030% | 1,233 |
| Net charge-offs to loans | 0.1133% | 1,346 |
| Credit loss provision to net charge-offs | 330.7692% | 1,638 |
| Earnings coverage of net charge-offs (x) | 26.1282% | 1,724 |
| Efficiency ratio | 55.6976% | 4,021 |
| Assets per employee ($millions) | 6.3001% | 2,084 |
| Cash dividends to net income (ytd only)* | 53.0568% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 3,112 |
| Loan loss allowance to noncurrent loans | 44.5028% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 336 |
| Noncurrent loans to loans | 2.6257% | 373 |
| Net loans and leases to total assets | 68.4832% | 1,764 |
| Net loans and leases to deposits | 77.8895% | 2,082 |
| Net loans and leases to core deposits | 92.5484% | 1,338 |
| Total domestic deposits to total assets | 87.9236% | 1,510 |
| Equity capital to assets | 11.7254% | 1,714 |
| Core capital (leverage) ratio | 11.3128% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5881% | 964 |
| Memoranda: | ||
| Average total assets | $507,511,000 | 1,531 |
| Average earning assets | $467,003,600 | 1,546 |
| Average equity | $59,016,800 | 1,467 |
| Average total loans | $344,073,000 | 1,522 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,638 |
| Cost of funding earning assets | 1.5002% | 121 |
| Net interest margin | 2.9748% | 4,034 |
| Noninterest income to average assets | 1.7403% | 388 |
| Noninterest expense to average assets | 2.5170% | 2,786 |
| Loan and lease loss provision to assets | 0.2603% | 1,557 |
| Net operating income to assets | 1.6979% | 574 |
| Return on assets (ROA) | 1.8057% | 498 |
| Pretax return on assets | 1.8057% | 768 |
| Return on Equity (ROE) | 15.5613% | 608 |
| Retained earnings to average equity (ytd only) | 7.6107% | 1,455 |
| Net charge-offs to loans | 0.1225% | 1,148 |
| Credit loss provision to net charge-offs | 315.0641% | 1,717 |
| Earnings coverage of net charge-offs (x) | 23.7083% | 1,784 |
| Efficiency ratio | 56.2437% | 3,890 |
| Assets per employee ($millions) | 6.6903% | 1,677 |
| Cash dividends to net income (ytd only)* | 51.0922% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,212 |
| Loan loss allowance to noncurrent loans | 41.6450% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7746% | 430 |
| Noncurrent loans to loans | 2.6416% | 390 |
| Net loans and leases to total assets | 66.4410% | 2,455 |
| Net loans and leases to deposits | 75.2252% | 2,823 |
| Net loans and leases to core deposits | 92.8699% | 1,719 |
| Total domestic deposits to total assets | 88.3228% | 1,050 |
| Equity capital to assets | 11.1786% | 2,254 |
| Core capital (leverage) ratio | 11.0331% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3023% | 1,005 |
| Memoranda: | ||
| Average total assets | $503,662,250 | 1,518 |
| Average earning assets | $463,027,750 | 1,534 |
| Average equity | $58,442,750 | 1,469 |
| Average total loans | $339,507,000 | 1,531 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 1,409 |
| Cost of funding earning assets | 1.6257% | 98 |
| Net interest margin | 3.0738% | 3,959 |
| Noninterest income to average assets | 1.8109% | 335 |
| Noninterest expense to average assets | 2.5231% | 2,903 |
| Loan and lease loss provision to assets | 0.3043% | 1,416 |
| Net operating income to assets | 1.8028% | 496 |
| Return on assets (ROA) | 1.8028% | 548 |
| Pretax return on assets | 1.8028% | 811 |
| Return on Equity (ROE) | 15.3297% | 661 |
| Retained earnings to average equity (ytd only) | 8.4946% | 1,161 |
| Net charge-offs to loans | 0.1805% | 834 |
| Credit loss provision to net charge-offs | 249.8328% | 1,755 |
| Earnings coverage of net charge-offs (x) | 17.2977% | 1,821 |
| Efficiency ratio | 54.4919% | 4,117 |
| Assets per employee ($millions) | 5.7920% | 2,382 |
| Cash dividends to net income (ytd only)* | 44.5876% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,250 |
| Loan loss allowance to noncurrent loans | 39.5524% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 460 |
| Noncurrent loans to loans | 2.6961% | 407 |
| Net loans and leases to total assets | 65.1388% | 2,741 |
| Net loans and leases to deposits | 74.7889% | 2,998 |
| Net loans and leases to core deposits | 94.8075% | 1,682 |
| Total domestic deposits to total assets | 87.0969% | 1,574 |
| Equity capital to assets | 11.1270% | 2,229 |
| Core capital (leverage) ratio | 11.5952% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0749% | 1,044 |
| Memoranda: | ||
| Average total assets | $490,912,333 | 1,525 |
| Average earning assets | $450,259,667 | 1,538 |
| Average equity | $57,731,000 | 1,468 |
| Average total loans | $331,323,667 | 1,551 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 584 |
| Cost of funding earning assets | 1.7929% | 87 |
| Net interest margin | 3.4781% | 3,053 |
| Noninterest income to average assets | 1.3669% | 476 |
| Noninterest expense to average assets | 2.6970% | 2,710 |
| Loan and lease loss provision to assets | 0.4231% | 713 |
| Net operating income to assets | 1.4269% | 930 |
| Return on assets (ROA) | 1.4269% | 1,001 |
| Pretax return on assets | 1.4269% | 1,487 |
| Return on Equity (ROE) | 11.7679% | 1,171 |
| Retained earnings to average equity (ytd only) | -2.1685% | 4,273 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3144% | 3,828 |
| Assets per employee ($millions) | 4.6963% | 2,994 |
| Cash dividends to net income (ytd only)* | 118.4274% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,867 |
| Loan loss allowance to noncurrent loans | 38.8235% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 406 |
| Noncurrent loans to loans | 2.9950% | 359 |
| Net loans and leases to total assets | 67.2667% | 2,653 |
| Net loans and leases to deposits | 77.4758% | 2,936 |
| Net loans and leases to core deposits | 98.4732% | 1,592 |
| Total domestic deposits to total assets | 86.8228% | 1,638 |
| Equity capital to assets | 11.6474% | 2,329 |
| Core capital (leverage) ratio | 11.9226% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7334% | 1,187 |
| Memoranda: | ||
| Average total assets | $467,041,500 | 1,545 |
| Average earning assets | $427,014,500 | 1,570 |
| Average equity | $56,628,500 | 1,486 |
| Average total loans | $319,658,000 | 1,564 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2584% | 149 |
| Cost of funding earning assets | 1.9640% | 72 |
| Net interest margin | 4.2944% | 1,101 |
| Noninterest income to average assets | 2.0142% | 256 |
| Noninterest expense to average assets | 3.1325% | 1,682 |
| Loan and lease loss provision to assets | 0.0741% | 2,512 |
| Net operating income to assets | 2.7197% | 102 |
| Return on assets (ROA) | 2.7461% | 103 |
| Pretax return on assets | 2.7461% | 136 |
| Return on Equity (ROE) | 20.9634% | 166 |
| Retained earnings to average equity (ytd only) | 10.4762% | 406 |
| Net charge-offs to loans | 0.0702% | 2,091 |
| Credit loss provision to net charge-offs | 147.1429% | 1,748 |
| Earnings coverage of net charge-offs (x) | 55.4619% | 1,039 |
| Efficiency ratio | 52.8576% | 4,535 |
| Assets per employee ($millions) | 4.4153% | 3,354 |
| Cash dividends to net income (ytd only)* | 50.0262% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,082 |
| Loan loss allowance to noncurrent loans | 37.8993% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.9533% | 410 |
| Noncurrent loans to loans | 2.8368% | 348 |
| Net loans and leases to total assets | 68.1165% | 2,666 |
| Net loans and leases to deposits | 79.5217% | 2,832 |
| Net loans and leases to core deposits | 97.5750% | 1,764 |
| Total domestic deposits to total assets | 85.6578% | 2,215 |
| Equity capital to assets | 12.6378% | 1,744 |
| Core capital (leverage) ratio | 12.6562% | 1,403 |
| Tier 1 risk-based capital ratio | 17.7706% | 1,817 |
| Total risk-based capital ratio | 18.8529% | 1,820 |
| Memoranda: | ||
| Average total assets | $416,889,600 | 1,683 |
| Average earning assets | $379,777,200 | 1,709 |
| Average equity | $54,609,400 | 1,479 |
| Average total loans | $299,291,000 | 1,607 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4010% | 126 |
| Cost of funding earning assets | 1.9699% | 71 |
| Net interest margin | 4.4311% | 882 |
| Noninterest income to average assets | 2.0506% | 253 |
| Noninterest expense to average assets | 3.0852% | 1,744 |
| Loan and lease loss provision to assets | 0.0369% | 3,161 |
| Net operating income to assets | 2.9648% | 90 |
| Return on assets (ROA) | 2.9670% | 94 |
| Pretax return on assets | 2.9670% | 121 |
| Return on Equity (ROE) | 22.4327% | 148 |
| Retained earnings to average equity (ytd only) | 11.8814% | 401 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6863% | 4,700 |
| Assets per employee ($millions) | 4.5845% | 3,074 |
| Cash dividends to net income (ytd only)* | 47.0355% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,129 |
| Loan loss allowance to noncurrent loans | 47.1882% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 640 |
| Noncurrent loans to loans | 2.2903% | 537 |
| Net loans and leases to total assets | 70.3612% | 2,418 |
| Net loans and leases to deposits | 84.1452% | 2,436 |
| Net loans and leases to core deposits | 101.1293% | 1,571 |
| Total domestic deposits to total assets | 83.6188% | 2,964 |
| Equity capital to assets | 13.0183% | 1,613 |
| Core capital (leverage) ratio | 12.6182% | 1,518 |
| Tier 1 risk-based capital ratio | 17.8347% | 1,866 |
| Total risk-based capital ratio | 18.9375% | 1,864 |
| Memoranda: | ||
| Average total assets | $408,521,500 | 1,729 |
| Average earning assets | $372,118,000 | 1,748 |
| Average equity | $54,032,750 | 1,494 |
| Average total loans | $296,587,500 | 1,630 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4789% | 116 |
| Cost of funding earning assets | 1.9180% | 81 |
| Net interest margin | 4.5609% | 670 |
| Noninterest income to average assets | 2.1596% | 237 |
| Noninterest expense to average assets | 3.1473% | 1,621 |
| Loan and lease loss provision to assets | 0.0330% | 3,167 |
| Net operating income to assets | 3.1112% | 78 |
| Return on assets (ROA) | 3.1117% | 83 |
| Pretax return on assets | 3.1117% | 107 |
| Return on Equity (ROE) | 23.3929% | 129 |
| Retained earnings to average equity (ytd only) | 12.7615% | 325 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0239% | 4,783 |
| Assets per employee ($millions) | 4.5146% | 3,118 |
| Cash dividends to net income (ytd only)* | 45.4472% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,074 |
| Loan loss allowance to noncurrent loans | 144.2114% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 2,232 |
| Noncurrent loans to loans | 0.7619% | 2,077 |
| Net loans and leases to total assets | 70.7675% | 2,429 |
| Net loans and leases to deposits | 84.8661% | 2,384 |
| Net loans and leases to core deposits | 105.8198% | 1,256 |
| Total domestic deposits to total assets | 83.3872% | 3,077 |
| Equity capital to assets | 13.1483% | 1,517 |
| Core capital (leverage) ratio | 12.9296% | 1,333 |
| Tier 1 risk-based capital ratio | 17.5671% | 1,921 |
| Total risk-based capital ratio | 18.6704% | 1,920 |
| Memoranda: | ||
| Average total assets | $399,520,670 | 1,760 |
| Average earning assets | $361,945,670 | 1,793 |
| Average equity | $53,144,330 | 1,506 |
| Average total loans | $292,187,330 | 1,651 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5675% | 111 |
| Cost of funding earning assets | 1.8815% | 75 |
| Net interest margin | 4.6860% | 513 |
| Noninterest income to average assets | 1.7557% | 299 |
| Noninterest expense to average assets | 3.1036% | 1,727 |
| Loan and lease loss provision to assets | 0.0031% | 3,379 |
| Net operating income to assets | 2.8581% | 95 |
| Return on assets (ROA) | 2.8581% | 102 |
| Pretax return on assets | 2.8581% | 148 |
| Return on Equity (ROE) | 21.3530% | 197 |
| Retained earnings to average equity (ytd only) | 10.8070% | 845 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0324% | 4,697 |
| Assets per employee ($millions) | 4.2510% | 3,542 |
| Cash dividends to net income (ytd only)* | 49.3889% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,161 |
| Loan loss allowance to noncurrent loans | 380.4935% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,618 |
| Noncurrent loans to loans | 0.2877% | 3,530 |
| Net loans and leases to total assets | 74.7928% | 1,674 |
| Net loans and leases to deposits | 90.2660% | 1,594 |
| Net loans and leases to core deposits | 109.5618% | 956 |
| Total domestic deposits to total assets | 82.8582% | 3,433 |
| Equity capital to assets | 13.6056% | 1,175 |
| Core capital (leverage) ratio | 13.0116% | 1,272 |
| Tier 1 risk-based capital ratio | 17.3129% | 2,010 |
| Total risk-based capital ratio | 18.4110% | 2,004 |
| Memoranda: | ||
| Average total assets | $389,352,000 | 1,813 |
| Average earning assets | $349,721,500 | 1,851 |
| Average equity | $52,114,500 | 1,524 |
| Average total loans | $288,069,000 | 1,680 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3120% | 113 |
| Cost of funding earning assets | 1.4732% | 99 |
| Net interest margin | 4.8388% | 363 |
| Noninterest income to average assets | 2.2277% | 229 |
| Noninterest expense to average assets | 3.3951% | 1,163 |
| Loan and lease loss provision to assets | 0.3794% | 376 |
| Net operating income to assets | 2.8249% | 100 |
| Return on assets (ROA) | 2.8218% | 99 |
| Pretax return on assets | 2.8218% | 124 |
| Return on Equity (ROE) | 22.5760% | 142 |
| Retained earnings to average equity (ytd only) | 8.7681% | 948 |
| Net charge-offs to loans | 0.2992% | 647 |
| Credit loss provision to net charge-offs | 170.2532% | 1,640 |
| Earnings coverage of net charge-offs (x) | 14.3785% | 2,382 |
| Efficiency ratio | 51.4448% | 4,845 |
| Assets per employee ($millions) | 4.1679% | 3,658 |
| Cash dividends to net income (ytd only)* | 61.1617% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,808 |
| Loan loss allowance to noncurrent loans | 370.1373% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,374 |
| Noncurrent loans to loans | 0.3117% | 3,434 |
| Net loans and leases to total assets | 71.5036% | 2,345 |
| Net loans and leases to deposits | 85.7005% | 2,314 |
| Net loans and leases to core deposits | 107.7438% | 1,136 |
| Total domestic deposits to total assets | 83.4343% | 3,179 |
| Equity capital to assets | 13.1623% | 1,273 |
| Core capital (leverage) ratio | 13.2495% | 1,158 |
| Tier 1 risk-based capital ratio | 17.0736% | 2,042 |
| Total risk-based capital ratio | 18.1879% | 2,035 |
| Memoranda: | ||
| Average total assets | $354,485,200 | 1,903 |
| Average earning assets | $320,264,400 | 1,924 |
| Average equity | $44,308,200 | 1,683 |
| Average total loans | $264,013,200 | 1,763 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1364% | 129 |
| Cost of funding earning assets | 1.3748% | 110 |
| Net interest margin | 4.7616% | 408 |
| Noninterest income to average assets | 2.2522% | 234 |
| Noninterest expense to average assets | 3.2423% | 1,425 |
| Loan and lease loss provision to assets | 0.5191% | 209 |
| Net operating income to assets | 2.8056% | 103 |
| Return on assets (ROA) | 2.8010% | 103 |
| Pretax return on assets | 2.8010% | 144 |
| Return on Equity (ROE) | 22.7468% | 144 |
| Retained earnings to average equity (ytd only) | 8.1505% | 1,579 |
| Net charge-offs to loans | 0.4052% | 400 |
| Credit loss provision to net charge-offs | 170.6329% | 1,562 |
| Earnings coverage of net charge-offs (x) | 10.9278% | 2,557 |
| Efficiency ratio | 49.3725% | 4,978 |
| Assets per employee ($millions) | 4.2458% | 3,510 |
| Cash dividends to net income (ytd only)* | 64.1688% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,704 |
| Loan loss allowance to noncurrent loans | 2,380.8824% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,099 |
| Noncurrent loans to loans | 0.0498% | 4,671 |
| Net loans and leases to total assets | 73.0288% | 2,159 |
| Net loans and leases to deposits | 87.8679% | 2,172 |
| Net loans and leases to core deposits | 110.5113% | 1,003 |
| Total domestic deposits to total assets | 83.1120% | 3,263 |
| Equity capital to assets | 11.9791% | 1,921 |
| Core capital (leverage) ratio | 12.0278% | 1,770 |
| Tier 1 risk-based capital ratio | 14.9365% | 2,911 |
| Total risk-based capital ratio | 16.0650% | 2,883 |
| Memoranda: | ||
| Average total assets | $346,203,000 | 1,940 |
| Average earning assets | $313,725,500 | 1,965 |
| Average equity | $42,630,500 | 1,757 |
| Average total loans | $259,918,250 | 1,786 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9631% | 150 |
| Cost of funding earning assets | 1.2704% | 138 |
| Net interest margin | 4.6927% | 443 |
| Noninterest income to average assets | 2.2436% | 237 |
| Noninterest expense to average assets | 3.2605% | 1,409 |
| Loan and lease loss provision to assets | 0.6990% | 144 |
| Net operating income to assets | 2.5467% | 140 |
| Return on assets (ROA) | 2.5373% | 142 |
| Pretax return on assets | 2.5373% | 213 |
| Return on Equity (ROE) | 20.4034% | 239 |
| Retained earnings to average equity (ytd only) | 5.1222% | 3,015 |
| Net charge-offs to loans | 0.5118% | 297 |
| Credit loss provision to net charge-offs | 180.8869% | 1,402 |
| Earnings coverage of net charge-offs (x) | 8.3991% | 2,480 |
| Efficiency ratio | 50.1135% | 5,021 |
| Assets per employee ($millions) | 4.2922% | 3,434 |
| Cash dividends to net income (ytd only)* | 74.8952% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,854 |
| Loan loss allowance to noncurrent loans | 143.6437% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 2,067 |
| Noncurrent loans to loans | 0.8179% | 2,090 |
| Net loans and leases to total assets | 76.6951% | 1,530 |
| Net loans and leases to deposits | 93.8406% | 1,374 |
| Net loans and leases to core deposits | 114.3567% | 779 |
| Total domestic deposits to total assets | 81.7291% | 3,802 |
| Equity capital to assets | 12.3521% | 1,630 |
| Core capital (leverage) ratio | 12.1919% | 1,596 |
| Tier 1 risk-based capital ratio | 14.5007% | 3,115 |
| Total risk-based capital ratio | 15.6185% | 3,092 |
| Memoranda: | ||
| Average total assets | $338,475,330 | 1,973 |
| Average earning assets | $307,456,330 | 2,005 |
| Average equity | $42,091,000 | 1,785 |
| Average total loans | $255,559,000 | 1,818 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 194 |
| Cost of funding earning assets | 1.1548% | 173 |
| Net interest margin | 4.6101% | 491 |
| Noninterest income to average assets | 1.4240% | 465 |
| Noninterest expense to average assets | 3.2303% | 1,505 |
| Loan and lease loss provision to assets | 0.3557% | 340 |
| Net operating income to assets | 2.0402% | 336 |
| Return on assets (ROA) | 2.0402% | 338 |
| Pretax return on assets | 2.0402% | 527 |
| Return on Equity (ROE) | 16.3482% | 571 |
| Retained earnings to average equity (ytd only) | -1.3237% | 4,943 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4153% | 4,417 |
| Assets per employee ($millions) | 4.4218% | 3,289 |
| Cash dividends to net income (ytd only)* | 108.0969% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,965 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,628 |
| Noncurrent loans to loans | 0.4021% | 3,340 |
| Net loans and leases to total assets | 74.6035% | 1,774 |
| Net loans and leases to deposits | 88.9412% | 1,818 |
| Net loans and leases to core deposits | 105.3819% | 1,285 |
| Total domestic deposits to total assets | 83.8796% | 3,377 |
| Equity capital to assets | 12.1411% | 1,692 |
| Core capital (leverage) ratio | 11.9204% | 1,700 |
| Tier 1 risk-based capital ratio | 14.3483% | 3,200 |
| Total risk-based capital ratio | 15.4466% | 3,200 |
| Memoranda: | ||
| Average total assets | $331,731,000 | 2,011 |
| Average earning assets | $302,379,500 | 2,043 |
| Average equity | $41,399,000 | 1,818 |
| Average total loans | $246,764,500 | 1,869 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 181 |
| Cost of funding earning assets | 1.1395% | 104 |
| Net interest margin | 4.6087% | 493 |
| Noninterest income to average assets | 3.0543% | 172 |
| Noninterest expense to average assets | 3.5980% | 900 |
| Loan and lease loss provision to assets | 0.0789% | 2,615 |
| Net operating income to assets | 3.4654% | 56 |
| Return on assets (ROA) | 3.4690% | 55 |
| Pretax return on assets | 3.4690% | 77 |
| Return on Equity (ROE) | 26.9908% | 52 |
| Retained earnings to average equity (ytd only) | 11.1014% | 236 |
| Net charge-offs to loans | 0.0348% | 3,099 |
| Credit loss provision to net charge-offs | 308.9744% | 919 |
| Earnings coverage of net charge-offs (x) | 138.8205% | 500 |
| Efficiency ratio | 50.3758% | 5,198 |
| Assets per employee ($millions) | 4.4850% | 3,209 |
| Cash dividends to net income (ytd only)* | 58.8696% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,254 |
| Loan loss allowance to noncurrent loans | 2,330.4348% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,502 |
| Noncurrent loans to loans | 0.0479% | 4,779 |
| Net loans and leases to total assets | 72.4374% | 2,161 |
| Net loans and leases to deposits | 86.8014% | 2,159 |
| Net loans and leases to core deposits | 104.7637% | 1,358 |
| Total domestic deposits to total assets | 83.4519% | 3,398 |
| Equity capital to assets | 12.8273% | 1,344 |
| Core capital (leverage) ratio | 12.3593% | 1,419 |
| Tier 1 risk-based capital ratio | 15.0953% | 2,800 |
| Total risk-based capital ratio | 16.1236% | 2,840 |
| Memoranda: | ||
| Average total assets | $305,501,800 | 2,140 |
| Average earning assets | $270,989,800 | 2,201 |
| Average equity | $39,265,200 | 1,888 |
| Average total loans | $224,045,800 | 1,975 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 168 |
| Cost of funding earning assets | 1.1293% | 101 |
| Net interest margin | 4.6359% | 459 |
| Noninterest income to average assets | 3.2961% | 171 |
| Noninterest expense to average assets | 3.7765% | 698 |
| Loan and lease loss provision to assets | 0.0702% | 2,675 |
| Net operating income to assets | 3.5356% | 61 |
| Return on assets (ROA) | 3.5405% | 61 |
| Pretax return on assets | 3.5405% | 82 |
| Return on Equity (ROE) | 27.5318% | 44 |
| Retained earnings to average equity (ytd only) | 11.6873% | 321 |
| Net charge-offs to loans | 0.0236% | 2,979 |
| Credit loss provision to net charge-offs | 405.1282% | 763 |
| Earnings coverage of net charge-offs (x) | 208.0462% | 413 |
| Efficiency ratio | 51.1558% | 5,169 |
| Assets per employee ($millions) | 4.4656% | 3,210 |
| Cash dividends to net income (ytd only)* | 57.5499% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,144 |
| Loan loss allowance to noncurrent loans | 1,700.6452% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 4,043 |
| Noncurrent loans to loans | 0.0682% | 4,803 |
| Net loans and leases to total assets | 70.8237% | 2,439 |
| Net loans and leases to deposits | 84.9195% | 2,445 |
| Net loans and leases to core deposits | 102.3720% | 1,519 |
| Total domestic deposits to total assets | 83.4010% | 3,327 |
| Equity capital to assets | 13.0845% | 1,339 |
| Core capital (leverage) ratio | 12.2687% | 1,532 |
| Tier 1 risk-based capital ratio | 15.1883% | 2,844 |
| Total risk-based capital ratio | 16.2341% | 2,855 |
| Memoranda: | ||
| Average total assets | $300,026,250 | 2,185 |
| Average earning assets | $264,453,250 | 2,267 |
| Average equity | $38,582,250 | 1,929 |
| Average total loans | $220,096,500 | 2,006 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 184 |
| Cost of funding earning assets | 1.0931% | 105 |
| Net interest margin | 4.6178% | 465 |
| Noninterest income to average assets | 3.3722% | 167 |
| Noninterest expense to average assets | 3.9708% | 543 |
| Loan and lease loss provision to assets | 0.0747% | 2,471 |
| Net operating income to assets | 3.3769% | 68 |
| Return on assets (ROA) | 3.3844% | 68 |
| Pretax return on assets | 3.3844% | 97 |
| Return on Equity (ROE) | 26.4843% | 61 |
| Retained earnings to average equity (ytd only) | 10.7830% | 472 |
| Net charge-offs to loans | 0.0358% | 2,477 |
| Credit loss provision to net charge-offs | 282.0513% | 1,000 |
| Earnings coverage of net charge-offs (x) | 130.2564% | 546 |
| Efficiency ratio | 53.4969% | 5,057 |
| Assets per employee ($millions) | 4.4500% | 3,195 |
| Cash dividends to net income (ytd only)* | 59.2853% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,224 |
| Loan loss allowance to noncurrent loans | 2,231.0345% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 4,147 |
| Noncurrent loans to loans | 0.0522% | 4,929 |
| Net loans and leases to total assets | 70.5610% | 2,434 |
| Net loans and leases to deposits | 84.3462% | 2,425 |
| Net loans and leases to core deposits | 104.8155% | 1,304 |
| Total domestic deposits to total assets | 83.6564% | 3,338 |
| Equity capital to assets | 12.9047% | 1,418 |
| Core capital (leverage) ratio | 12.7512% | 1,278 |
| Tier 1 risk-based capital ratio | 15.1091% | 2,881 |
| Total risk-based capital ratio | 16.1564% | 2,902 |
| Memoranda: | ||
| Average total assets | $294,350,000 | 2,225 |
| Average earning assets | $258,173,330 | 2,314 |
| Average equity | $37,614,670 | 1,958 |
| Average total loans | $217,733,330 | 2,024 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 175 |
| Cost of funding earning assets | 1.0958% | 97 |
| Net interest margin | 4.6144% | 432 |
| Noninterest income to average assets | 3.1521% | 190 |
| Noninterest expense to average assets | 3.7610% | 711 |
| Loan and lease loss provision to assets | 0.0336% | 3,113 |
| Net operating income to assets | 3.4069% | 73 |
| Return on assets (ROA) | 3.4069% | 72 |
| Pretax return on assets | 3.4069% | 103 |
| Return on Equity (ROE) | 26.8040% | 65 |
| Retained earnings to average equity (ytd only) | 9.2834% | 987 |
| Net charge-offs to loans | 0.0241% | 2,278 |
| Credit loss provision to net charge-offs | 184.6154% | 1,073 |
| Earnings coverage of net charge-offs (x) | 189.0769% | 300 |
| Efficiency ratio | 52.2255% | 5,256 |
| Assets per employee ($millions) | 4.2897% | 3,516 |
| Cash dividends to net income (ytd only)* | 65.3657% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,138.7387% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 4,001 |
| Noncurrent loans to loans | 0.1020% | 4,784 |
| Net loans and leases to total assets | 73.7274% | 1,788 |
| Net loans and leases to deposits | 88.8297% | 1,690 |
| Net loans and leases to core deposits | 115.0353% | 630 |
| Total domestic deposits to total assets | 82.9986% | 3,841 |
| Equity capital to assets | 13.2479% | 1,165 |
| Core capital (leverage) ratio | 12.8169% | 1,210 |
| Tier 1 risk-based capital ratio | 15.1108% | 2,918 |
| Total risk-based capital ratio | 16.1633% | 2,933 |
| Memoranda: | ||
| Average total assets | $285,776,000 | 2,286 |
| Average earning assets | $250,782,500 | 2,392 |
| Average equity | $36,323,000 | 2,015 |
| Average total loans | $215,408,000 | 2,058 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 247 |
| Cost of funding earning assets | 1.0443% | 138 |
| Net interest margin | 4.4701% | 661 |
| Noninterest income to average assets | 2.9609% | 208 |
| Noninterest expense to average assets | 3.6631% | 928 |
| Loan and lease loss provision to assets | 0.1660% | 1,481 |
| Net operating income to assets | 3.0387% | 80 |
| Return on assets (ROA) | 3.1916% | 73 |
| Pretax return on assets | 3.1916% | 100 |
| Return on Equity (ROE) | 24.8765% | 77 |
| Retained earnings to average equity (ytd only) | 8.3151% | 757 |
| Net charge-offs to loans | 0.0286% | 3,449 |
| Credit loss provision to net charge-offs | 787.2727% | 469 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 426 |
| Efficiency ratio | 53.3378% | 5,298 |
| Assets per employee ($millions) | 4.1769% | 3,653 |
| Cash dividends to net income (ytd only)* | 66.5746% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 3,237 |
| Loan loss allowance to noncurrent loans | 1,463.3721% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,457 |
| Noncurrent loans to loans | 0.0807% | 4,917 |
| Net loans and leases to total assets | 75.2927% | 1,636 |
| Net loans and leases to deposits | 90.2827% | 1,652 |
| Net loans and leases to core deposits | 115.2423% | 649 |
| Total domestic deposits to total assets | 83.3966% | 3,629 |
| Equity capital to assets | 12.1500% | 1,706 |
| Core capital (leverage) ratio | 11.7348% | 1,770 |
| Tier 1 risk-based capital ratio | 13.4116% | 3,829 |
| Total risk-based capital ratio | 14.4693% | 3,856 |
| Memoranda: | ||
| Average total assets | $260,870,800 | 2,435 |
| Average earning assets | $228,006,200 | 2,533 |
| Average equity | $33,469,400 | 2,155 |
| Average total loans | $192,361,800 | 2,184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4793% | 255 |
| Cost of funding earning assets | 1.0319% | 142 |
| Net interest margin | 4.4474% | 703 |
| Noninterest income to average assets | 3.2020% | 192 |
| Noninterest expense to average assets | 3.6315% | 943 |
| Loan and lease loss provision to assets | 0.2129% | 986 |
| Net operating income to assets | 3.2390% | 72 |
| Return on assets (ROA) | 3.4467% | 66 |
| Pretax return on assets | 3.4467% | 93 |
| Return on Equity (ROE) | 26.4810% | 66 |
| Retained earnings to average equity (ytd only) | 10.1149% | 555 |
| Net charge-offs to loans | 0.0392% | 2,847 |
| Credit loss provision to net charge-offs | 743.6364% | 539 |
| Earnings coverage of net charge-offs (x) | 120.5661% | 572 |
| Efficiency ratio | 51.2677% | 5,425 |
| Assets per employee ($millions) | 3.8776% | 4,168 |
| Cash dividends to net income (ytd only)* | 61.8033% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 3,145 |
| Loan loss allowance to noncurrent loans | 1,441.0405% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 4,509 |
| Noncurrent loans to loans | 0.0843% | 5,010 |
| Net loans and leases to total assets | 74.6753% | 1,762 |
| Net loans and leases to deposits | 91.2321% | 1,604 |
| Net loans and leases to core deposits | 118.7963% | 544 |
| Total domestic deposits to total assets | 81.8520% | 3,978 |
| Equity capital to assets | 12.7791% | 1,603 |
| Core capital (leverage) ratio | 12.2569% | 1,509 |
| Tier 1 risk-based capital ratio | 13.9731% | 3,571 |
| Total risk-based capital ratio | 15.0601% | 3,589 |
| Memoranda: | ||
| Average total assets | $256,125,250 | 2,465 |
| Average earning assets | $223,528,000 | 2,569 |
| Average equity | $33,336,250 | 2,179 |
| Average total loans | $187,145,750 | 2,238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 256 |
| Cost of funding earning assets | 1.0272% | 146 |
| Net interest margin | 4.4768% | 647 |
| Noninterest income to average assets | 3.3925% | 174 |
| Noninterest expense to average assets | 3.6618% | 928 |
| Loan and lease loss provision to assets | 0.2478% | 785 |
| Net operating income to assets | 3.3790% | 75 |
| Return on assets (ROA) | 3.6969% | 57 |
| Pretax return on assets | 3.6969% | 82 |
| Return on Equity (ROE) | 28.2187% | 55 |
| Retained earnings to average equity (ytd only) | 12.1389% | 306 |
| Net charge-offs to loans | 0.0519% | 2,459 |
| Credit loss provision to net charge-offs | 661.7021% | 527 |
| Earnings coverage of net charge-offs (x) | 96.8511% | 597 |
| Efficiency ratio | 50.2405% | 5,546 |
| Assets per employee ($millions) | 3.8548% | 4,159 |
| Cash dividends to net income (ytd only)* | 56.9828% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 3,117 |
| Loan loss allowance to noncurrent loans | 893.3086% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 4,570 |
| Noncurrent loans to loans | 0.1391% | 4,877 |
| Net loans and leases to total assets | 72.8472% | 2,033 |
| Net loans and leases to deposits | 87.7044% | 2,033 |
| Net loans and leases to core deposits | 111.6347% | 836 |
| Total domestic deposits to total assets | 83.0599% | 3,627 |
| Equity capital to assets | 13.0030% | 1,499 |
| Core capital (leverage) ratio | 12.5286% | 1,339 |
| Tier 1 risk-based capital ratio | 14.4515% | 3,346 |
| Total risk-based capital ratio | 15.5418% | 3,362 |
| Memoranda: | ||
| Average total assets | $251,022,000 | 2,522 |
| Average earning assets | $218,457,330 | 2,630 |
| Average equity | $32,886,000 | 2,202 |
| Average total loans | $181,131,670 | 2,303 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4963% | 259 |
| Cost of funding earning assets | 1.0094% | 159 |
| Net interest margin | 4.4868% | 620 |
| Noninterest income to average assets | 2.9397% | 208 |
| Noninterest expense to average assets | 3.6159% | 997 |
| Loan and lease loss provision to assets | 0.2477% | 714 |
| Net operating income to assets | 3.0162% | 95 |
| Return on assets (ROA) | 3.1955% | 81 |
| Pretax return on assets | 3.1955% | 116 |
| Return on Equity (ROE) | 24.2946% | 110 |
| Retained earnings to average equity (ytd only) | 9.3041% | 1,025 |
| Net charge-offs to loans | 0.1074% | 1,484 |
| Credit loss provision to net charge-offs | 323.4043% | 809 |
| Earnings coverage of net charge-offs (x) | 42.6170% | 975 |
| Efficiency ratio | 52.5580% | 5,481 |
| Assets per employee ($millions) | 4.0300% | 3,896 |
| Cash dividends to net income (ytd only)* | 61.7032% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 3,152 |
| Loan loss allowance to noncurrent loans | 1,289.6552% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,754 |
| Noncurrent loans to loans | 0.0973% | 5,082 |
| Net loans and leases to total assets | 69.5760% | 2,411 |
| Net loans and leases to deposits | 83.6669% | 2,344 |
| Net loans and leases to core deposits | 106.7013% | 1,035 |
| Total domestic deposits to total assets | 83.1583% | 3,836 |
| Equity capital to assets | 12.9037% | 1,457 |
| Core capital (leverage) ratio | 12.7363% | 1,258 |
| Tier 1 risk-based capital ratio | 15.0333% | 3,140 |
| Total risk-based capital ratio | 16.1258% | 3,152 |
| Memoranda: | ||
| Average total assets | $245,471,000 | 2,575 |
| Average earning assets | $215,563,500 | 2,672 |
| Average equity | $32,287,000 | 2,233 |
| Average total loans | $175,021,000 | 2,359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 480 |
| Cost of funding earning assets | 0.9438% | 232 |
| Net interest margin | 4.1966% | 1,183 |
| Noninterest income to average assets | 3.3690% | 181 |
| Noninterest expense to average assets | 3.5840% | 1,163 |
| Loan and lease loss provision to assets | 0.1924% | 1,145 |
| Net operating income to assets | 3.2873% | 75 |
| Return on assets (ROA) | 3.2956% | 75 |
| Pretax return on assets | 3.2956% | 98 |
| Return on Equity (ROE) | 26.8817% | 80 |
| Retained earnings to average equity (ytd only) | 9.6116% | 516 |
| Net charge-offs to loans | 0.0150% | 3,994 |
| Credit loss provision to net charge-offs | 1,813.0435% | 190 |
| Earnings coverage of net charge-offs (x) | 327.9130% | 213 |
| Efficiency ratio | 50.7381% | 5,720 |
| Assets per employee ($millions) | 4.2331% | 3,515 |
| Cash dividends to net income (ytd only)* | 64.2447% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,174 |
| Loan loss allowance to noncurrent loans | 750.5263% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 4,443 |
| Noncurrent loans to loans | 0.1665% | 4,822 |
| Net loans and leases to total assets | 71.2977% | 2,156 |
| Net loans and leases to deposits | 87.9489% | 1,880 |
| Net loans and leases to core deposits | 99.8482% | 1,512 |
| Total domestic deposits to total assets | 81.0672% | 4,463 |
| Equity capital to assets | 13.4201% | 1,152 |
| Core capital (leverage) ratio | 13.2690% | 1,055 |
| Tier 1 risk-based capital ratio | 15.5126% | 2,922 |
| Total risk-based capital ratio | 16.6046% | 2,946 |
| Memoranda: | ||
| Average total assets | $216,741,600 | 2,773 |
| Average earning assets | $190,821,400 | 2,881 |
| Average equity | $26,572,000 | 2,589 |
| Average total loans | $153,841,600 | 2,546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 509 |
| Cost of funding earning assets | 0.9351% | 242 |
| Net interest margin | 4.1733% | 1,228 |
| Noninterest income to average assets | 3.7008% | 170 |
| Noninterest expense to average assets | 3.7241% | 941 |
| Loan and lease loss provision to assets | 0.1789% | 1,170 |
| Net operating income to assets | 3.4664% | 65 |
| Return on assets (ROA) | 3.4746% | 64 |
| Pretax return on assets | 3.4746% | 92 |
| Return on Equity (ROE) | 29.1131% | 62 |
| Retained earnings to average equity (ytd only) | 11.8912% | 379 |
| Net charge-offs to loans | 0.0205% | 3,529 |
| Credit loss provision to net charge-offs | 1,234.7826% | 307 |
| Earnings coverage of net charge-offs (x) | 251.5752% | 278 |
| Efficiency ratio | 50.5342% | 5,750 |
| Assets per employee ($millions) | 3.9749% | 3,924 |
| Cash dividends to net income (ytd only)* | 59.1552% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,249 |
| Loan loss allowance to noncurrent loans | 1,671.6667% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 4,864 |
| Noncurrent loans to loans | 0.0761% | 5,321 |
| Net loans and leases to total assets | 68.7486% | 2,576 |
| Net loans and leases to deposits | 83.0968% | 2,518 |
| Net loans and leases to core deposits | 98.9650% | 1,609 |
| Total domestic deposits to total assets | 82.7331% | 3,907 |
| Equity capital to assets | 11.7437% | 2,311 |
| Core capital (leverage) ratio | 11.5805% | 1,972 |
| Tier 1 risk-based capital ratio | 13.7196% | 4,009 |
| Total risk-based capital ratio | 14.8176% | 4,027 |
| Memoranda: | ||
| Average total assets | $211,663,500 | 2,845 |
| Average earning assets | $186,066,500 | 2,952 |
| Average equity | $25,261,750 | 2,696 |
| Average total loans | $149,513,750 | 2,615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 517 |
| Cost of funding earning assets | 0.9168% | 263 |
| Net interest margin | 4.1744% | 1,163 |
| Noninterest income to average assets | 3.6218% | 175 |
| Noninterest expense to average assets | 3.7940% | 871 |
| Loan and lease loss provision to assets | 0.1490% | 1,433 |
| Net operating income to assets | 3.3663% | 76 |
| Return on assets (ROA) | 3.3663% | 78 |
| Pretax return on assets | 3.3663% | 106 |
| Return on Equity (ROE) | 28.0418% | 82 |
| Retained earnings to average equity (ytd only) | 11.4617% | 447 |
| Net charge-offs to loans | 0.0313% | 3,029 |
| Credit loss provision to net charge-offs | 669.5652% | 500 |
| Earnings coverage of net charge-offs (x) | 157.9565% | 418 |
| Efficiency ratio | 51.9063% | 5,720 |
| Assets per employee ($millions) | 4.0112% | 3,862 |
| Cash dividends to net income (ytd only)* | 59.1262% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,485 |
| Loan loss allowance to noncurrent loans | 1,550.4132% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 4,915 |
| Noncurrent loans to loans | 0.0809% | 5,413 |
| Net loans and leases to total assets | 69.5075% | 2,404 |
| Net loans and leases to deposits | 80.9763% | 2,671 |
| Net loans and leases to core deposits | 99.3686% | 1,545 |
| Total domestic deposits to total assets | 85.8368% | 2,779 |
| Equity capital to assets | 11.9242% | 2,086 |
| Core capital (leverage) ratio | 11.6339% | 1,901 |
| Tier 1 risk-based capital ratio | 14.4250% | 3,682 |
| Total risk-based capital ratio | 15.5288% | 3,699 |
| Memoranda: | ||
| Average total assets | $206,694,000 | 2,928 |
| Average earning assets | $182,588,670 | 3,021 |
| Average equity | $24,813,000 | 2,738 |
| Average total loans | $146,761,330 | 2,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 600 |
| Cost of funding earning assets | 0.8882% | 305 |
| Net interest margin | 4.0787% | 1,335 |
| Noninterest income to average assets | 3.4396% | 191 |
| Noninterest expense to average assets | 3.7498% | 933 |
| Loan and lease loss provision to assets | 0.1296% | 1,602 |
| Net operating income to assets | 3.1844% | 84 |
| Return on assets (ROA) | 3.1844% | 87 |
| Pretax return on assets | 3.1844% | 122 |
| Return on Equity (ROE) | 26.4336% | 88 |
| Retained earnings to average equity (ytd only) | 10.0063% | 926 |
| Net charge-offs to loans | 0.0633% | 2,114 |
| Credit loss provision to net charge-offs | 286.9565% | 837 |
| Earnings coverage of net charge-offs (x) | 73.3913% | 630 |
| Efficiency ratio | 53.0850% | 5,745 |
| Assets per employee ($millions) | 4.3934% | 3,207 |
| Cash dividends to net income (ytd only)* | 62.1455% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,913 |
| Loan loss allowance to noncurrent loans | 538.5542% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 4,051 |
| Noncurrent loans to loans | 0.2248% | 4,966 |
| Net loans and leases to total assets | 69.1698% | 2,255 |
| Net loans and leases to deposits | 80.4099% | 2,521 |
| Net loans and leases to core deposits | 98.7931% | 1,405 |
| Total domestic deposits to total assets | 86.0215% | 2,926 |
| Equity capital to assets | 11.8982% | 2,109 |
| Core capital (leverage) ratio | 11.9544% | 1,668 |
| Tier 1 risk-based capital ratio | 14.6403% | 3,629 |
| Total risk-based capital ratio | 15.7223% | 3,658 |
| Memoranda: | ||
| Average total assets | $203,744,500 | 2,970 |
| Average earning assets | $181,039,000 | 3,057 |
| Average equity | $24,544,500 | 2,782 |
| Average total loans | $145,320,000 | 2,684 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 570 |
| Cost of funding earning assets | 0.8468% | 519 |
| Net interest margin | 4.3070% | 1,048 |
| Noninterest income to average assets | 3.1085% | 184 |
| Noninterest expense to average assets | 3.4784% | 1,533 |
| Loan and lease loss provision to assets | 0.2812% | 754 |
| Net operating income to assets | 3.3136% | 78 |
| Return on assets (ROA) | 3.3148% | 78 |
| Pretax return on assets | 3.3148% | 88 |
| Return on Equity (ROE) | 26.2381% | 89 |
| Retained earnings to average equity (ytd only) | 8.8105% | 743 |
| Net charge-offs to loans | 0.0801% | 3,344 |
| Credit loss provision to net charge-offs | 480.5825% | 543 |
| Earnings coverage of net charge-offs (x) | 61.4272% | 776 |
| Efficiency ratio | 49.1766% | 6,132 |
| Assets per employee ($millions) | 4.2741% | 3,414 |
| Cash dividends to net income (ytd only)* | 66.4210% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 3,881 |
| Loan loss allowance to noncurrent loans | 779.0179% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 5,575 |
| Noncurrent loans to loans | 0.1567% | 5,271 |
| Net loans and leases to total assets | 71.8389% | 1,935 |
| Net loans and leases to deposits | 83.6711% | 2,251 |
| Net loans and leases to core deposits | 104.4180% | 1,104 |
| Total domestic deposits to total assets | 85.8587% | 2,916 |
| Equity capital to assets | 12.2060% | 1,855 |
| Core capital (leverage) ratio | 12.3806% | 1,405 |
| Tier 1 risk-based capital ratio | 14.4328% | 3,812 |
| Total risk-based capital ratio | 15.4977% | 3,862 |
| Memoranda: | ||
| Average total assets | $176,000,800 | 3,259 |
| Average earning assets | $162,016,400 | 3,251 |
| Average equity | $22,234,800 | 2,923 |
| Average total loans | $128,590,200 | 2,893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 632 |
| Cost of funding earning assets | 0.8325% | 585 |
| Net interest margin | 4.2762% | 1,096 |
| Noninterest income to average assets | 3.1263% | 182 |
| Noninterest expense to average assets | 3.4322% | 1,587 |
| Loan and lease loss provision to assets | 0.3145% | 600 |
| Net operating income to assets | 3.3440% | 79 |
| Return on assets (ROA) | 3.3440% | 78 |
| Pretax return on assets | 3.3440% | 92 |
| Return on Equity (ROE) | 26.2145% | 84 |
| Retained earnings to average equity (ytd only) | 8.8891% | 1,036 |
| Net charge-offs to loans | 0.0267% | 3,967 |
| Credit loss provision to net charge-offs | 1,612.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 187.5341% | 343 |
| Efficiency ratio | 48.4041% | 6,181 |
| Assets per employee ($millions) | 3.9964% | 3,890 |
| Cash dividends to net income (ytd only)* | 66.0911% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 3,857 |
| Loan loss allowance to noncurrent loans | 101.5845% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 3,120 |
| Noncurrent loans to loans | 1.2442% | 2,562 |
| Net loans and leases to total assets | 73.5588% | 1,590 |
| Net loans and leases to deposits | 86.3683% | 1,868 |
| Net loans and leases to core deposits | 111.4026% | 688 |
| Total domestic deposits to total assets | 85.1687% | 3,270 |
| Equity capital to assets | 12.6440% | 1,612 |
| Core capital (leverage) ratio | 12.4697% | 1,418 |
| Tier 1 risk-based capital ratio | 14.9369% | 3,628 |
| Total risk-based capital ratio | 16.0550% | 3,635 |
| Memoranda: | ||
| Average total assets | $170,849,000 | 3,353 |
| Average earning assets | $158,390,250 | 3,327 |
| Average equity | $21,794,000 | 2,971 |
| Average total loans | $124,991,250 | 2,978 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 665 |
| Cost of funding earning assets | 0.8148% | 658 |
| Net interest margin | 4.2476% | 1,140 |
| Noninterest income to average assets | 3.0471% | 186 |
| Noninterest expense to average assets | 3.4194% | 1,633 |
| Loan and lease loss provision to assets | 0.3423% | 527 |
| Net operating income to assets | 3.2176% | 81 |
| Return on assets (ROA) | 3.2176% | 83 |
| Pretax return on assets | 3.2176% | 99 |
| Return on Equity (ROE) | 25.1423% | 105 |
| Retained earnings to average equity (ytd only) | 7.0575% | 1,740 |
| Net charge-offs to loans | 0.0281% | 3,630 |
| Credit loss provision to net charge-offs | 1,676.4706% | 223 |
| Earnings coverage of net charge-offs (x) | 174.3529% | 362 |
| Efficiency ratio | 48.9933% | 6,224 |
| Assets per employee ($millions) | 3.8937% | 4,072 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,068 |
| Loan loss allowance to noncurrent loans | 71.5989% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 2,532 |
| Noncurrent loans to loans | 1.7631% | 1,956 |
| Net loans and leases to total assets | 72.3623% | 1,678 |
| Net loans and leases to deposits | 85.1615% | 1,909 |
| Net loans and leases to core deposits | 110.6949% | 665 |
| Total domestic deposits to total assets | 84.9706% | 3,525 |
| Equity capital to assets | 12.7151% | 1,533 |
| Core capital (leverage) ratio | 13.0900% | 1,126 |
| Tier 1 risk-based capital ratio | 15.4879% | 3,358 |
| Total risk-based capital ratio | 16.6075% | 3,385 |
| Memoranda: | ||
| Average total assets | $166,520,670 | 3,427 |
| Average earning assets | $154,156,330 | 3,409 |
| Average equity | $21,310,670 | 3,022 |
| Average total loans | $121,002,670 | 3,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 793 |
| Cost of funding earning assets | 0.8119% | 705 |
| Net interest margin | 4.1344% | 1,376 |
| Noninterest income to average assets | 2.9894% | 187 |
| Noninterest expense to average assets | 3.5419% | 1,412 |
| Loan and lease loss provision to assets | 0.0789% | 2,572 |
| Net operating income to assets | 3.1867% | 90 |
| Return on assets (ROA) | 3.1867% | 92 |
| Pretax return on assets | 3.1867% | 127 |
| Return on Equity (ROE) | 24.8145% | 124 |
| Retained earnings to average equity (ytd only) | 4.8208% | 3,216 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0290% | 6,136 |
| Assets per employee ($millions) | 4.4513% | 3,055 |
| Cash dividends to net income (ytd only)* | 80.5728% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,727 |
| Loan loss allowance to noncurrent loans | 448.2201% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,659 |
| Noncurrent loans to loans | 0.2636% | 5,311 |
| Net loans and leases to total assets | 70.3360% | 1,831 |
| Net loans and leases to deposits | 81.2875% | 2,131 |
| Net loans and leases to core deposits | 102.4561% | 958 |
| Total domestic deposits to total assets | 86.5275% | 3,095 |
| Equity capital to assets | 12.7949% | 1,400 |
| Core capital (leverage) ratio | 13.4574% | 983 |
| Tier 1 risk-based capital ratio | 16.4546% | 2,915 |
| Total risk-based capital ratio | 17.5061% | 2,991 |
| Memoranda: | ||
| Average total assets | $162,172,500 | 3,530 |
| Average earning assets | $149,766,000 | 3,511 |
| Average equity | $20,826,500 | 3,075 |
| Average total loans | $117,298,000 | 3,133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 833 |
| Cost of funding earning assets | 0.8636% | 892 |
| Net interest margin | 4.1845% | 1,402 |
| Noninterest income to average assets | 3.3808% | 192 |
| Noninterest expense to average assets | 3.9677% | 900 |
| Loan and lease loss provision to assets | 0.1157% | 2,878 |
| Net operating income to assets | 3.2383% | 91 |
| Return on assets (ROA) | 3.2383% | 91 |
| Pretax return on assets | 3.2383% | 96 |
| Return on Equity (ROE) | 24.4572% | 136 |
| Retained earnings to average equity (ytd only) | 11.4268% | 376 |
| Net charge-offs to loans | 0.0230% | 4,970 |
| Credit loss provision to net charge-offs | 656.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 190.2000% | 237 |
| Efficiency ratio | 54.1908% | 6,118 |
| Assets per employee ($millions) | 4.3148% | 3,241 |
| Cash dividends to net income (ytd only)* | 53.2782% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,899 |
| Loan loss allowance to noncurrent loans | 800.5917% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 6,013 |
| Noncurrent loans to loans | 0.1440% | 5,765 |
| Net loans and leases to total assets | 72.6703% | 1,564 |
| Net loans and leases to deposits | 83.8436% | 1,961 |
| Net loans and leases to core deposits | 108.1805% | 687 |
| Total domestic deposits to total assets | 86.6737% | 2,889 |
| Equity capital to assets | 12.8909% | 1,328 |
| Core capital (leverage) ratio | 13.9237% | 848 |
| Tier 1 risk-based capital ratio | 16.4353% | 2,888 |
| Total risk-based capital ratio | 17.4806% | 2,946 |
| Memoranda: | ||
| Average total assets | $141,770,600 | 3,849 |
| Average earning assets | $133,517,600 | 3,765 |
| Average equity | $18,771,600 | 3,304 |
| Average total loans | $108,722,800 | 3,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 818 |
| Cost of funding earning assets | 0.8775% | 915 |
| Net interest margin | 4.1942% | 1,355 |
| Noninterest income to average assets | 2.8161% | 255 |
| Noninterest expense to average assets | 3.8144% | 1,065 |
| Loan and lease loss provision to assets | 0.0961% | 3,155 |
| Net operating income to assets | 2.8831% | 124 |
| Return on assets (ROA) | 2.8831% | 126 |
| Pretax return on assets | 2.8831% | 156 |
| Return on Equity (ROE) | 21.6085% | 220 |
| Retained earnings to average equity (ytd only) | 8.6390% | 1,176 |
| Net charge-offs to loans | 0.0313% | 4,509 |
| Credit loss provision to net charge-offs | 396.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 122.7291% | 425 |
| Efficiency ratio | 56.1464% | 5,884 |
| Assets per employee ($millions) | 4.5746% | 2,761 |
| Cash dividends to net income (ytd only)* | 60.0202% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,006 |
| Loan loss allowance to noncurrent loans | 762.1302% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,090 |
| Noncurrent loans to loans | 0.1538% | 5,854 |
| Net loans and leases to total assets | 74.1997% | 1,263 |
| Net loans and leases to deposits | 85.6548% | 1,655 |
| Net loans and leases to core deposits | 112.5132% | 487 |
| Total domestic deposits to total assets | 86.6265% | 2,901 |
| Equity capital to assets | 12.9001% | 1,376 |
| Core capital (leverage) ratio | 13.5890% | 984 |
| Tier 1 risk-based capital ratio | 16.3005% | 3,035 |
| Total risk-based capital ratio | 17.3800% | 3,078 |
| Memoranda: | ||
| Average total assets | $137,301,500 | 3,970 |
| Average earning assets | $130,209,500 | 3,877 |
| Average equity | $18,319,500 | 3,401 |
| Average total loans | $106,561,250 | 3,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 891 |
| Cost of funding earning assets | 0.8806% | 984 |
| Net interest margin | 4.1340% | 1,451 |
| Noninterest income to average assets | 2.8047% | 278 |
| Noninterest expense to average assets | 3.8623% | 1,023 |
| Loan and lease loss provision to assets | 0.1370% | 2,612 |
| Net operating income to assets | 2.7630% | 134 |
| Return on assets (ROA) | 2.7630% | 140 |
| Pretax return on assets | 2.7630% | 188 |
| Return on Equity (ROE) | 20.4618% | 276 |
| Retained earnings to average equity (ytd only) | 8.4936% | 1,292 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1145% | 5,841 |
| Assets per employee ($millions) | 4.4846% | 2,835 |
| Cash dividends to net income (ytd only)* | 58.4906% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 79.5760% | 575 |
| Net loans and leases to deposits | 91.9281% | 971 |
| Net loans and leases to core deposits | 122.8406% | 275 |
| Total domestic deposits to total assets | 86.5634% | 3,086 |
| Equity capital to assets | 13.1439% | 1,287 |
| Core capital (leverage) ratio | 13.3766% | 1,028 |
| Tier 1 risk-based capital ratio | 15.3155% | 3,589 |
| Total risk-based capital ratio | 16.4158% | 3,638 |
| Memoranda: | ||
| Average total assets | $134,273,330 | 4,057 |
| Average earning assets | $128,545,000 | 3,935 |
| Average equity | $18,131,330 | 3,455 |
| Average total loans | $105,446,330 | 3,374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 816 |
| Cost of funding earning assets | 0.8944% | 1,011 |
| Net interest margin | 4.1578% | 1,307 |
| Noninterest income to average assets | 2.3594% | 343 |
| Noninterest expense to average assets | 4.2184% | 697 |
| Loan and lease loss provision to assets | 0.0576% | 3,669 |
| Net operating income to assets | 2.0592% | 312 |
| Return on assets (ROA) | 2.0592% | 342 |
| Pretax return on assets | 2.0592% | 537 |
| Return on Equity (ROE) | 15.0383% | 759 |
| Retained earnings to average equity (ytd only) | -0.3987% | 5,859 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5869% | 4,560 |
| Assets per employee ($millions) | 4.3557% | 3,230 |
| Cash dividends to net income (ytd only)* | 102.6510% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.7810% | 867 |
| Net loans and leases to deposits | 87.6625% | 1,179 |
| Net loans and leases to core deposits | 119.9606% | 285 |
| Total domestic deposits to total assets | 86.4463% | 3,274 |
| Equity capital to assets | 13.3404% | 1,276 |
| Core capital (leverage) ratio | 13.3285% | 1,007 |
| Tier 1 risk-based capital ratio | 15.8127% | 3,368 |
| Total risk-based capital ratio | 16.9285% | 3,402 |
| Memoranda: | ||
| Average total assets | $131,898,500 | 4,140 |
| Average earning assets | $126,124,000 | 4,016 |
| Average equity | $18,060,500 | 3,515 |
| Average total loans | $102,202,000 | 3,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 962 |
| Cost of funding earning assets | 1.0381% | 1,172 |
| Net interest margin | 4.2436% | 1,535 |
| Noninterest income to average assets | 2.5986% | 302 |
| Noninterest expense to average assets | 4.0868% | 873 |
| Loan and lease loss provision to assets | 0.1778% | 3,404 |
| Net operating income to assets | 2.4167% | 173 |
| Return on assets (ROA) | 2.4754% | 170 |
| Pretax return on assets | 2.4754% | 264 |
| Return on Equity (ROE) | 17.5059% | 490 |
| Retained earnings to average equity (ytd only) | 10.7175% | 474 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1682% | 5,367 |
| Assets per employee ($millions) | 4.7693% | 2,546 |
| Cash dividends to net income (ytd only)* | 38.7776% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 5,515 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 77.3722% | 746 |
| Net loans and leases to deposits | 90.4496% | 1,035 |
| Net loans and leases to core deposits | 121.4518% | 264 |
| Total domestic deposits to total assets | 85.5418% | 3,590 |
| Equity capital to assets | 14.0622% | 1,023 |
| Core capital (leverage) ratio | 13.4472% | 964 |
| Tier 1 risk-based capital ratio | 16.2372% | 3,031 |
| Total risk-based capital ratio | 17.3612% | 3,053 |
| Memoranda: | ||
| Average total assets | $120,951,000 | 4,344 |
| Average earning assets | $116,362,400 | 4,203 |
| Average equity | $17,102,800 | 3,612 |
| Average total loans | $90,362,000 | 3,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 1,134 |
| Cost of funding earning assets | 1.0611% | 1,233 |
| Net interest margin | 4.1714% | 1,827 |
| Noninterest income to average assets | 2.2611% | 356 |
| Noninterest expense to average assets | 3.5642% | 1,622 |
| Loan and lease loss provision to assets | 0.1490% | 3,675 |
| Net operating income to assets | 2.1735% | 301 |
| Return on assets (ROA) | 2.1961% | 319 |
| Pretax return on assets | 2.6051% | 256 |
| Return on Equity (ROE) | 15.5076% | 817 |
| Retained earnings to average equity (ytd only) | 10.2382% | 856 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6518% | 5,974 |
| Assets per employee ($millions) | 4.7982% | 2,450 |
| Cash dividends to net income (ytd only)* | 33.9797% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 5,729 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.7138% | 1,600 |
| Net loans and leases to deposits | 83.3185% | 1,955 |
| Net loans and leases to core deposits | 107.3785% | 678 |
| Total domestic deposits to total assets | 86.0719% | 3,213 |
| Equity capital to assets | 13.6139% | 1,298 |
| Core capital (leverage) ratio | 13.4239% | 1,037 |
| Tier 1 risk-based capital ratio | 16.4182% | 3,049 |
| Total risk-based capital ratio | 17.5169% | 3,091 |
| Memoranda: | ||
| Average total assets | $118,996,000 | 4,424 |
| Average earning assets | $114,971,000 | 4,265 |
| Average equity | $16,851,500 | 3,682 |
| Average total loans | $87,740,750 | 3,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 1,150 |
| Cost of funding earning assets | 1.0981% | 1,231 |
| Net interest margin | 4.1483% | 1,913 |
| Noninterest income to average assets | 1.8757% | 435 |
| Noninterest expense to average assets | 3.4310% | 1,955 |
| Loan and lease loss provision to assets | 0.1299% | 3,905 |
| Net operating income to assets | 1.8947% | 466 |
| Return on assets (ROA) | 1.8947% | 530 |
| Pretax return on assets | 2.3191% | 397 |
| Return on Equity (ROE) | 13.1889% | 1,312 |
| Retained earnings to average equity (ytd only) | 10.3920% | 872 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3505% | 5,826 |
| Assets per employee ($millions) | 4.7676% | 2,485 |
| Cash dividends to net income (ytd only)* | 21.2066% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 5,736 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 77.6407% | 768 |
| Net loans and leases to deposits | 91.1347% | 1,032 |
| Net loans and leases to core deposits | 116.6520% | 379 |
| Total domestic deposits to total assets | 85.1934% | 3,771 |
| Equity capital to assets | 14.3687% | 952 |
| Core capital (leverage) ratio | 14.0694% | 788 |
| Tier 1 risk-based capital ratio | 16.2089% | 3,060 |
| Total risk-based capital ratio | 17.2700% | 3,130 |
| Memoranda: | ||
| Average total assets | $115,477,670 | 4,517 |
| Average earning assets | $111,468,000 | 4,375 |
| Average equity | $16,589,670 | 3,716 |
| Average total loans | $85,641,670 | 3,922 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 1,306 |
| Cost of funding earning assets | 1.1294% | 1,257 |
| Net interest margin | 4.0768% | 2,190 |
| Noninterest income to average assets | 1.0984% | 1,176 |
| Noninterest expense to average assets | 3.2142% | 2,558 |
| Loan and lease loss provision to assets | 0.2253% | 2,696 |
| Net operating income to assets | 1.0667% | 2,221 |
| Return on assets (ROA) | 1.0667% | 2,415 |
| Pretax return on assets | 1.5983% | 1,586 |
| Return on Equity (ROE) | 7.4258% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.4258% | 2,217 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8015% | 4,953 |
| Assets per employee ($millions) | 5.2410% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 5,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 70.6807% | 1,636 |
| Net loans and leases to deposits | 82.8811% | 1,810 |
| Net loans and leases to core deposits | 110.4984% | 520 |
| Total domestic deposits to total assets | 85.2797% | 3,889 |
| Equity capital to assets | 14.2789% | 930 |
| Core capital (leverage) ratio | 14.1094% | 775 |
| Tier 1 risk-based capital ratio | 17.4770% | 2,487 |
| Total risk-based capital ratio | 18.6524% | 2,482 |
| Memoranda: | ||
| Average total assets | $113,621,500 | 4,607 |
| Average earning assets | $109,793,000 | 4,440 |
| Average equity | $16,321,500 | 3,760 |
| Average total loans | $81,655,500 | 4,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 1,281 |
| Cost of funding earning assets | 1.3184% | 1,394 |
| Net interest margin | 4.1354% | 2,284 |
| Noninterest income to average assets | 2.9226% | 217 |
| Noninterest expense to average assets | 3.5368% | 1,894 |
| Loan and lease loss provision to assets | 0.2837% | 3,394 |
| Net operating income to assets | 1.9013% | 376 |
| Return on assets (ROA) | 1.9013% | 407 |
| Pretax return on assets | 3.0331% | 121 |
| Return on Equity (ROE) | 12.5312% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.5312% | 264 |
| Net charge-offs to loans | 0.0059% | 6,349 |
| Credit loss provision to net charge-offs | 7,125.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 33 |
| Efficiency ratio | 51.6049% | 6,730 |
| Assets per employee ($millions) | 5.3305% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.2453% | 1,779 |
| Net loans and leases to deposits | 84.4777% | 1,862 |
| Net loans and leases to core deposits | 113.2391% | 531 |
| Total domestic deposits to total assets | 84.3363% | 4,169 |
| Equity capital to assets | 14.4533% | 911 |
| Core capital (leverage) ratio | 13.3534% | 1,023 |
| Tier 1 risk-based capital ratio | 16.3604% | 2,885 |
| Total risk-based capital ratio | 17.4851% | 2,908 |
| Memoranda: | ||
| Average total assets | $100,457,200 | 4,881 |
| Average earning assets | $95,492,600 | 4,770 |
| Average equity | $15,242,000 | 3,859 |
| Average total loans | $67,837,600 | 4,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 1,249 |
| Cost of funding earning assets | 1.3502% | 1,451 |
| Net interest margin | 4.1485% | 2,282 |
| Noninterest income to average assets | 2.4743% | 268 |
| Noninterest expense to average assets | 3.5141% | 1,908 |
| Loan and lease loss provision to assets | 0.2842% | 3,250 |
| Net operating income to assets | 2.2366% | 243 |
| Return on assets (ROA) | 2.2366% | 260 |
| Pretax return on assets | 2.6055% | 205 |
| Return on Equity (ROE) | 14.5432% | 937 |
| Retained earnings to average equity (ytd only) | 14.5432% | 264 |
| Net charge-offs to loans | 0.0082% | 6,048 |
| Credit loss provision to net charge-offs | 5,200.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 529.0675% | 72 |
| Efficiency ratio | 54.8752% | 6,400 |
| Assets per employee ($millions) | 5.2334% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 5,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.0513% | 2,893 |
| Net loans and leases to deposits | 77.8514% | 3,029 |
| Net loans and leases to core deposits | 105.1480% | 910 |
| Total domestic deposits to total assets | 84.8427% | 3,852 |
| Equity capital to assets | 14.6960% | 932 |
| Core capital (leverage) ratio | 13.7571% | 969 |
| Tier 1 risk-based capital ratio | 17.5156% | 2,438 |
| Total risk-based capital ratio | 18.6315% | 2,464 |
| Memoranda: | ||
| Average total assets | $97,586,500 | 4,992 |
| Average earning assets | $92,431,750 | 4,884 |
| Average equity | $15,007,750 | 3,922 |
| Average total loans | $64,609,250 | 4,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 1,718 |
| Cost of funding earning assets | 1.3143% | 1,856 |
| Net interest margin | 4.0358% | 2,669 |
| Noninterest income to average assets | 2.8284% | 235 |
| Noninterest expense to average assets | 3.6242% | 1,690 |
| Loan and lease loss provision to assets | 0.2567% | 3,345 |
| Net operating income to assets | 2.5952% | 150 |
| Return on assets (ROA) | 2.5952% | 155 |
| Pretax return on assets | 2.7578% | 175 |
| Return on Equity (ROE) | 16.5861% | 599 |
| Retained earnings to average equity (ytd only) | 16.5861% | 179 |
| Net charge-offs to loans | 0.0130% | 5,667 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 352.2500% | 91 |
| Efficiency ratio | 54.5923% | 6,561 |
| Assets per employee ($millions) | 5.4873% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 5,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.5343% | 3,782 |
| Net loans and leases to deposits | 74.0034% | 3,808 |
| Net loans and leases to core deposits | 98.6428% | 1,453 |
| Total domestic deposits to total assets | 84.5019% | 4,118 |
| Equity capital to assets | 14.9111% | 840 |
| Core capital (leverage) ratio | 14.2005% | 825 |
| Tier 1 risk-based capital ratio | 18.6986% | 1,935 |
| Total risk-based capital ratio | 19.8088% | 1,945 |
| Memoranda: | ||
| Average total assets | $93,481,670 | 5,153 |
| Average earning assets | $88,259,000 | 5,048 |
| Average equity | $14,626,670 | 3,975 |
| Average total loans | $61,641,330 | 4,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 1,838 |
| Cost of funding earning assets | 1.3529% | 1,870 |
| Net interest margin | 3.9575% | 2,882 |
| Noninterest income to average assets | 2.6199% | 252 |
| Noninterest expense to average assets | 3.6143% | 1,737 |
| Loan and lease loss provision to assets | 0.2951% | 2,798 |
| Net operating income to assets | 2.4429% | 187 |
| Return on assets (ROA) | 2.4429% | 194 |
| Pretax return on assets | 2.4429% | 264 |
| Return on Equity (ROE) | 15.1902% | 796 |
| Retained earnings to average equity (ytd only) | 15.1902% | 378 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8978% | 6,395 |
| Assets per employee ($millions) | 5.3040% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,512 |
| Loan loss allowance to noncurrent loans | 13,050.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 7,184 |
| Noncurrent loans to loans | 0.0094% | 7,057 |
| Net loans and leases to total assets | 66.2980% | 2,932 |
| Net loans and leases to deposits | 78.5184% | 2,973 |
| Net loans and leases to core deposits | 104.8138% | 1,014 |
| Total domestic deposits to total assets | 84.4363% | 4,306 |
| Equity capital to assets | 15.1468% | 735 |
| Core capital (leverage) ratio | 15.3678% | 593 |
| Tier 1 risk-based capital ratio | 18.6580% | 1,907 |
| Total risk-based capital ratio | 19.7489% | 1,912 |
| Memoranda: | ||
| Average total assets | $88,093,500 | 5,352 |
| Average earning assets | $83,083,500 | 5,270 |
| Average equity | $14,167,000 | 4,081 |
| Average total loans | $59,446,500 | 5,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 1,846 |
| Cost of funding earning assets | 1.6943% | 1,628 |
| Net interest margin | 3.9193% | 3,402 |
| Noninterest income to average assets | 1.0205% | 1,439 |
| Noninterest expense to average assets | 4.5861% | 598 |
| Loan and lease loss provision to assets | 0.4522% | 3,412 |
| Net operating income to assets | -0.3285% | 6,242 |
| Return on assets (ROA) | -0.0901% | 6,041 |
| Pretax return on assets | -0.1085% | 6,007 |
| Return on Equity (ROE) | -0.4182% | 6,010 |
| Retained earnings to average equity (ytd only) | -0.4182% | 5,693 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7825% | 834 |
| Assets per employee ($millions) | 4.4842% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 67.0210% | 3,218 |
| Net loans and leases to deposits | 81.5239% | 2,903 |
| Net loans and leases to core deposits | 105.7843% | 1,206 |
| Total domestic deposits to total assets | 82.2102% | 5,121 |
| Equity capital to assets | 17.1876% | 438 |
| Core capital (leverage) ratio | 16.9960% | 400 |
| Tier 1 risk-based capital ratio | 21.1434% | 1,295 |
| Total risk-based capital ratio | 22.3129% | 1,287 |
| Memoranda: | ||
| Average total assets | $65,459,200 | 6,017 |
| Average earning assets | $60,496,000 | 5,980 |
| Average equity | $14,108,800 | 4,119 |
| Average total loans | $43,494,200 | 5,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8174% | 1,346 |
| Cost of funding earning assets | 1.7753% | 1,530 |
| Net interest margin | 4.0421% | 2,895 |
| Noninterest income to average assets | 1.1225% | 1,111 |
| Noninterest expense to average assets | 4.4663% | 623 |
| Loan and lease loss provision to assets | 0.3958% | 3,528 |
| Net operating income to assets | -0.0216% | 6,032 |
| Return on assets (ROA) | 0.3850% | 5,002 |
| Pretax return on assets | 0.3850% | 5,262 |
| Return on Equity (ROE) | 1.6751% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.6751% | 5,120 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2699% | 1,108 |
| Assets per employee ($millions) | 4.2706% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.5266% | 3,325 |
| Net loans and leases to deposits | 84.4501% | 2,630 |
| Net loans and leases to core deposits | 112.4040% | 912 |
| Total domestic deposits to total assets | 79.9603% | 5,724 |
| Equity capital to assets | 19.5658% | 312 |
| Core capital (leverage) ratio | 19.6501% | 257 |
| Tier 1 risk-based capital ratio | 23.3921% | 1,017 |
| Total risk-based capital ratio | 24.4784% | 1,009 |
| Memoranda: | ||
| Average total assets | $61,645,250 | 6,206 |
| Average earning assets | $56,702,000 | 6,177 |
| Average equity | $14,167,750 | 4,170 |
| Average total loans | $40,664,250 | 5,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 1,146 |
| Cost of funding earning assets | 1.8876% | 1,279 |
| Net interest margin | 4.0281% | 2,883 |
| Noninterest income to average assets | 1.2277% | 859 |
| Noninterest expense to average assets | 4.1936% | 819 |
| Loan and lease loss provision to assets | 0.3621% | 3,536 |
| Net operating income to assets | 0.3518% | 4,964 |
| Return on assets (ROA) | 0.3518% | 5,129 |
| Pretax return on assets | 0.3518% | 5,366 |
| Return on Equity (ROE) | 1.4412% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.4412% | 5,156 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4533% | 1,776 |
| Assets per employee ($millions) | 4.7768% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 68.7531% | 3,185 |
| Net loans and leases to deposits | 90.1366% | 1,832 |
| Net loans and leases to core deposits | 119.8557% | 700 |
| Total domestic deposits to total assets | 76.2766% | 6,634 |
| Equity capital to assets | 23.1131% | 166 |
| Core capital (leverage) ratio | 21.9634% | 181 |
| Tier 1 risk-based capital ratio | 26.8889% | 707 |
| Total risk-based capital ratio | 27.9828% | 707 |
| Memoranda: | ||
| Average total assets | $57,993,330 | 6,390 |
| Average earning assets | $52,978,330 | 6,365 |
| Average equity | $14,155,330 | 4,165 |
| Average total loans | $37,675,670 | 6,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 2,727 |
| Cost of funding earning assets | 1.9278% | 1,331 |
| Net interest margin | 3.5433% | 4,978 |
| Noninterest income to average assets | 1.5588% | 506 |
| Noninterest expense to average assets | 4.2903% | 729 |
| Loan and lease loss provision to assets | 0.2145% | 4,366 |
| Net operating income to assets | 0.3003% | 5,300 |
| Return on assets (ROA) | 0.3003% | 5,431 |
| Pretax return on assets | 0.3003% | 5,603 |
| Return on Equity (ROE) | 1.1952% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.1952% | 5,338 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2857% | 1,485 |
| Assets per employee ($millions) | 4.7539% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,518 |
| Loan loss allowance to noncurrent loans | 146.3333% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 6,187 |
| Noncurrent loans to loans | 0.8185% | 5,677 |
| Net loans and leases to total assets | 63.4792% | 4,432 |
| Net loans and leases to deposits | 85.0130% | 2,761 |
| Net loans and leases to core deposits | 112.9010% | 1,106 |
| Total domestic deposits to total assets | 74.6700% | 6,954 |
| Equity capital to assets | 24.7130% | 148 |
| Core capital (leverage) ratio | 23.1339% | 163 |
| Tier 1 risk-based capital ratio | 30.7657% | 489 |
| Total risk-based capital ratio | 31.8133% | 484 |
| Memoranda: | ||
| Average total assets | $55,940,500 | 6,537 |
| Average earning assets | $51,251,000 | 6,504 |
| Average equity | $14,056,500 | 4,231 |
| Average total loans | $34,902,500 | 6,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 4,462 |
| Cost of funding earning assets | 1.6859% | 4,588 |
| Net interest margin | 3.7595% | 3,877 |
| Noninterest income to average assets | 0.4733% | 4,627 |
| Noninterest expense to average assets | 6.3188% | 276 |
| Loan and lease loss provision to assets | 1.0838% | 2,106 |
| Net operating income to assets | -1.8112% | 7,017 |
| Return on assets (ROA) | -1.8112% | 7,011 |
| Pretax return on assets | -3.5289% | 7,425 |
| Return on Equity (ROE) | -4.3828% | 6,148 |
| Retained earnings to average equity (ytd only) | -4.3828% | 5,925 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.1222% | 239 |
| Assets per employee ($millions) | 4.2180% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.7148% | 5,378 |
| Net loans and leases to deposits | 80.8214% | 3,832 |
| Net loans and leases to core deposits | 248.8524% | 51 |
| Total domestic deposits to total assets | 73.8848% | 7,031 |
| Equity capital to assets | 25.5590% | 148 |
| Core capital (leverage) ratio | 27.7392% | 123 |
| Tier 1 risk-based capital ratio | 33.3783% | 397 |
| Total risk-based capital ratio | 34.4389% | 392 |
| Memoranda: | ||
| Average total assets | $34,231,200 | 7,315 |
| Average earning assets | $30,961,800 | 7,313 |
| Average equity | $14,146,200 | 4,218 |
| Average total loans | $16,849,000 | 7,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 5,871 |
| Cost of funding earning assets | 1.5517% | 5,627 |
| Net interest margin | 3.6496% | 4,275 |
| Noninterest income to average assets | 0.3989% | 5,292 |
| Noninterest expense to average assets | 7.0378% | 201 |
| Loan and lease loss provision to assets | 1.1187% | 1,746 |
| Net operating income to assets | -4.4794% | 7,792 |
| Return on assets (ROA) | -4.4794% | 7,796 |
| Pretax return on assets | -4.4794% | 7,750 |
| Return on Equity (ROE) | -9.1870% | 6,823 |
| Retained earnings to average equity (ytd only) | -9.1870% | 6,719 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.3965% | 169 |
| Assets per employee ($millions) | 3.6308% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.7319% | 6,890 |
| Net loans and leases to deposits | 71.6088% | 5,716 |
| Net loans and leases to core deposits | 196.3018% | 112 |
| Total domestic deposits to total assets | 68.0530% | 7,567 |
| Equity capital to assets | 31.5132% | 100 |
| Core capital (leverage) ratio | 33.8518% | 102 |
| Tier 1 risk-based capital ratio | 49.0272% | 174 |
| Total risk-based capital ratio | 49.9401% | 177 |
| Memoranda: | ||
| Average total assets | $29,080,500 | 7,572 |
| Average earning assets | $26,121,000 | 7,567 |
| Average equity | $14,179,000 | 4,248 |
| Average total loans | $12,773,000 | 7,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 6,055 |
| Cost of funding earning assets | 1.1722% | 7,188 |
| Net interest margin | 4.0335% | 2,570 |
| Noninterest income to average assets | 0.0577% | 7,701 |
| Noninterest expense to average assets | 7.8925% | 168 |
| Loan and lease loss provision to assets | 1.6329% | 1,024 |
| Net operating income to assets | -5.8637% | 7,991 |
| Return on assets (ROA) | -5.8637% | 7,983 |
| Pretax return on assets | -5.8637% | 7,939 |
| Return on Equity (ROE) | -9.9242% | 7,026 |
| Retained earnings to average equity (ytd only) | -9.9242% | 6,867 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.5405% | 168 |
| Assets per employee ($millions) | 2.9767% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 49.8717% | 6,882 |
| Net loans and leases to deposits | 87.0748% | 3,345 |
| Net loans and leases to core deposits | 202.7816% | 115 |
| Total domestic deposits to total assets | 57.2746% | 7,991 |
| Equity capital to assets | 42.5024% | 77 |
| Core capital (leverage) ratio | 46.9483% | 68 |
| Tier 1 risk-based capital ratio | 63.6165% | 122 |
| Total risk-based capital ratio | 64.0067% | 123 |
| Memoranda: | ||
| Average total assets | $24,251,000 | 7,811 |
| Average earning assets | $21,668,670 | 7,802 |
| Average equity | $14,328,670 | 4,233 |
| Average total loans | $9,872,000 | 7,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 7,905 |
| Cost of funding earning assets | 0.6885% | 7,999 |
| Net interest margin | 3.5115% | 4,683 |
| Noninterest income to average assets | 0.0600% | 7,773 |
| Noninterest expense to average assets | 9.1579% | 130 |
| Loan and lease loss provision to assets | 1.4997% | 841 |
| Net operating income to assets | -7.5383% | 8,134 |
| Return on assets (ROA) | -7.5383% | 8,123 |
| Pretax return on assets | -7.5383% | 8,096 |
| Return on Equity (ROE) | -10.3753% | 7,385 |
| Retained earnings to average equity (ytd only) | -10.3753% | 7,145 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 293.5897% | 87 |
| Assets per employee ($millions) | 2.1602% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 7,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.1087% | 7,610 |
| Net loans and leases to deposits | 99.5607% | 1,469 |
| Net loans and leases to core deposits | 276.4951% | 45 |
| Total domestic deposits to total assets | 39.2812% | 8,145 |
| Equity capital to assets | 60.4915% | 50 |
| Core capital (leverage) ratio | 77.4269% | 33 |
| Tier 1 risk-based capital ratio | 353.3498% | 18 |
| Total risk-based capital ratio | 354.7095% | 18 |
| Memoranda: | ||
| Average total assets | $20,004,500 | 7,975 |
| Average earning assets | $17,428,500 | 7,980 |
| Average equity | $14,534,500 | 4,221 |
| Average total loans | $6,544,000 | 8,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9901% | 8,258 |
| Cost of funding earning assets | 0.4805% | 8,194 |
| Net interest margin | 0.5096% | 8,262 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 8.8570% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -5.2564% | 8,103 |
| Return on assets (ROA) | -5.2564% | 8,095 |
| Pretax return on assets | -8.4262% | 8,214 |
| Return on Equity (ROE) | -5.8115% | 6,946 |
| Retained earnings to average equity (ytd only) | -5.8115% | 6,642 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,055.7143% | 6 |
| Assets per employee ($millions) | 1.6247% | 8,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 22.8965% | 8,121 |
| Net loans and leases to deposits | 240.1549% | 29 |
| Net loans and leases to core deposits | 532.1888% | 22 |
| Total domestic deposits to total assets | 9.5341% | 8,267 |
| Equity capital to assets | 90.4475% | 12 |
| Core capital (leverage) ratio | 95.0807% | 8 |
| Tier 1 risk-based capital ratio | 1,016.6320% | 4 |
| Total risk-based capital ratio | 1,016.6320% | 4 |
| Memoranda: | ||
| Average total assets | $16,247,000 | 8,132 |
| Average earning assets | $13,736,000 | 8,148 |
| Average equity | $14,695,000 | 4,193 |
| Average total loans | $3,720,000 | 8,201 |