Home > Redwood Capital Bank > Performance and Condition Ratios
Redwood Capital Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 3,238 |
| Cost of funding earning assets | 0.9942% | 3,954 |
| Net interest margin | 3.9699% | 1,478 |
| Noninterest income to average assets | 0.5200% | 1,734 |
| Noninterest expense to average assets | 2.7666% | 1,597 |
| Loan and lease loss provision to assets | -0.0400% | 4,240 |
| Net operating income to assets | 1.0393% | 2,324 |
| Return on assets (ROA) | 1.0393% | 2,316 |
| Pretax return on assets | 1.4402% | 1,767 |
| Return on Equity (ROE) | 9.8200% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.6764% | 3,290 |
| Net charge-offs to loans | 0.0125% | 2,120 |
| Credit loss provision to net charge-offs | -454.1667% | 4,395 |
| Earnings coverage of net charge-offs (x) | 156.2917% | 689 |
| Efficiency ratio | 66.3949% | 1,995 |
| Assets per employee ($millions) | 6.9110% | 2,237 |
| Cash dividends to net income (ytd only)* | 72.7371% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 698 |
| Loan loss allowance to noncurrent loans | 411.5741% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 2,289 |
| Noncurrent loans to loans | 0.3956% | 2,193 |
| Net loans and leases to total assets | 68.0100% | 2,156 |
| Net loans and leases to deposits | 76.5883% | 2,441 |
| Net loans and leases to core deposits | 82.1966% | 2,666 |
| Total domestic deposits to total assets | 88.8000% | 1,126 |
| Equity capital to assets | 10.3896% | 2,047 |
| Core capital (leverage) ratio | 11.7380% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6143% | 1,120 |
| Memoranda: | ||
| Average total assets | $535,755,000 | 1,692 |
| Average earning assets | $491,647,000 | 1,704 |
| Average equity | $56,717,333 | 1,625 |
| Average total loans | $382,647,333 | 1,611 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 3,122 |
| Cost of funding earning assets | 0.9945% | 3,999 |
| Net interest margin | 4.0043% | 1,278 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.7747% | 1,564 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.0637% | 2,107 |
| Return on assets (ROA) | 1.0637% | 2,104 |
| Pretax return on assets | 1.4742% | 1,571 |
| Return on Equity (ROE) | 9.9500% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.5797% | 2,119 |
| Net charge-offs to loans | 0.0282% | 1,436 |
| Credit loss provision to net charge-offs | -81.4815% | 4,372 |
| Earnings coverage of net charge-offs (x) | 71.2963% | 837 |
| Efficiency ratio | 65.5142% | 2,309 |
| Assets per employee ($millions) | 6.4526% | 2,594 |
| Cash dividends to net income (ytd only)* | 33.8802% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 735 |
| Loan loss allowance to noncurrent loans | 473.1433% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 2,259 |
| Noncurrent loans to loans | 0.3480% | 2,259 |
| Net loans and leases to total assets | 72.0800% | 1,596 |
| Net loans and leases to deposits | 81.6626% | 1,912 |
| Net loans and leases to core deposits | 88.2514% | 2,164 |
| Total domestic deposits to total assets | 88.2700% | 1,461 |
| Equity capital to assets | 10.9471% | 1,688 |
| Core capital (leverage) ratio | 11.7498% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0517% | 1,055 |
| Memoranda: | ||
| Average total assets | $527,192,500 | 1,721 |
| Average earning assets | $484,682,500 | 1,720 |
| Average equity | $56,355,000 | 1,617 |
| Average total loans | $382,845,500 | 1,611 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 3,250 |
| Cost of funding earning assets | 0.9483% | 4,067 |
| Net interest margin | 3.9542% | 1,252 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 2.5432% | 2,186 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.1861% | 1,534 |
| Return on assets (ROA) | 1.1861% | 1,533 |
| Pretax return on assets | 1.6438% | 1,059 |
| Return on Equity (ROE) | 10.8300% | 1,936 |
| Retained earnings to average equity (ytd only) | -1.7713% | 4,150 |
| Net charge-offs to loans | -0.0031% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.1072% | 3,152 |
| Assets per employee ($millions) | 6.6466% | 2,409 |
| Cash dividends to net income (ytd only)* | 116.3532% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 702 |
| Loan loss allowance to noncurrent loans | 397.3125% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,037 |
| Noncurrent loans to loans | 0.4182% | 2,023 |
| Net loans and leases to total assets | 70.7700% | 1,805 |
| Net loans and leases to deposits | 79.7563% | 2,151 |
| Net loans and leases to core deposits | 85.5192% | 2,419 |
| Total domestic deposits to total assets | 88.7300% | 1,251 |
| Equity capital to assets | 10.4366% | 1,864 |
| Core capital (leverage) ratio | 11.4906% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6069% | 1,131 |
| Memoranda: | ||
| Average total assets | $528,943,200 | 1,704 |
| Average earning assets | $484,948,800 | 1,708 |
| Average equity | $57,922,000 | 1,537 |
| Average total loans | $384,325,400 | 1,586 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 3,243 |
| Cost of funding earning assets | 0.9385% | 4,094 |
| Net interest margin | 3.9358% | 1,243 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 2.4945% | 2,267 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.2095% | 1,493 |
| Return on assets (ROA) | 1.2095% | 1,501 |
| Pretax return on assets | 1.6759% | 1,051 |
| Return on Equity (ROE) | 10.9200% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.9548% | 1,409 |
| Net charge-offs to loans | -0.0031% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.8484% | 3,272 |
| Assets per employee ($millions) | 6.7976% | 2,275 |
| Cash dividends to net income (ytd only)* | 27.1285% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 692 |
| Loan loss allowance to noncurrent loans | 857.8523% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,787 |
| Noncurrent loans to loans | 0.1956% | 2,760 |
| Net loans and leases to total assets | 69.7400% | 1,883 |
| Net loans and leases to deposits | 79.5303% | 2,228 |
| Net loans and leases to core deposits | 84.8726% | 2,499 |
| Total domestic deposits to total assets | 87.6900% | 1,341 |
| Equity capital to assets | 11.4472% | 1,504 |
| Core capital (leverage) ratio | 12.3620% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7141% | 967 |
| Memoranda: | ||
| Average total assets | $528,247,500 | 1,702 |
| Average earning assets | $483,882,000 | 1,708 |
| Average equity | $58,529,000 | 1,513 |
| Average total loans | $384,747,500 | 1,570 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 3,258 |
| Cost of funding earning assets | 0.8945% | 4,112 |
| Net interest margin | 3.9179% | 1,241 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.5310% | 2,155 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.1974% | 1,477 |
| Return on assets (ROA) | 1.1974% | 1,477 |
| Pretax return on assets | 1.6576% | 1,043 |
| Return on Equity (ROE) | 10.9300% | 1,908 |
| Retained earnings to average equity (ytd only) | 7.6285% | 1,477 |
| Net charge-offs to loans | -0.0031% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.7734% | 3,227 |
| Assets per employee ($millions) | 6.6313% | 2,311 |
| Cash dividends to net income (ytd only)* | 30.2067% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 806 |
| Loan loss allowance to noncurrent loans | 1,301.0438% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,016 |
| Noncurrent loans to loans | 0.1250% | 3,027 |
| Net loans and leases to total assets | 71.9400% | 1,657 |
| Net loans and leases to deposits | 81.7455% | 2,042 |
| Net loans and leases to core deposits | 86.2212% | 2,397 |
| Total domestic deposits to total assets | 88.0100% | 1,326 |
| Equity capital to assets | 11.1752% | 1,493 |
| Core capital (leverage) ratio | 12.3420% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2882% | 1,034 |
| Memoranda: | ||
| Average total assets | $525,325,333 | 1,705 |
| Average earning assets | $480,467,000 | 1,714 |
| Average equity | $57,547,667 | 1,519 |
| Average total loans | $386,021,333 | 1,551 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 3,102 |
| Cost of funding earning assets | 0.7893% | 4,179 |
| Net interest margin | 4.0402% | 1,035 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.6210% | 1,900 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.2235% | 1,385 |
| Return on assets (ROA) | 1.2235% | 1,392 |
| Pretax return on assets | 1.6896% | 969 |
| Return on Equity (ROE) | 11.2800% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.8274% | 1,357 |
| Net charge-offs to loans | -0.0031% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.0313% | 3,262 |
| Assets per employee ($millions) | 6.6342% | 2,349 |
| Cash dividends to net income (ytd only)* | 21.7526% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 847 |
| Loan loss allowance to noncurrent loans | 1,217.7165% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,992 |
| Noncurrent loans to loans | 0.1314% | 2,954 |
| Net loans and leases to total assets | 71.6600% | 1,602 |
| Net loans and leases to deposits | 81.2178% | 1,952 |
| Net loans and leases to core deposits | 85.0601% | 2,374 |
| Total domestic deposits to total assets | 88.2300% | 1,341 |
| Equity capital to assets | 10.8199% | 1,577 |
| Core capital (leverage) ratio | 12.1882% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1328% | 1,065 |
| Memoranda: | ||
| Average total assets | $526,050,000 | 1,707 |
| Average earning assets | $481,456,500 | 1,714 |
| Average equity | $57,049,500 | 1,514 |
| Average total loans | $387,470,500 | 1,546 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 3,075 |
| Cost of funding earning assets | 0.3181% | 4,366 |
| Net interest margin | 4.1963% | 939 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.5266% | 2,230 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5261% | 969 |
| Return on assets (ROA) | 1.5261% | 940 |
| Pretax return on assets | 2.1217% | 550 |
| Return on Equity (ROE) | 15.1100% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.8798% | 819 |
| Net charge-offs to loans | -0.0229% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.2256% | 3,660 |
| Assets per employee ($millions) | 6.5170% | 2,406 |
| Cash dividends to net income (ytd only)* | 28.0151% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 881 |
| Loan loss allowance to noncurrent loans | 1,769.3642% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,129 |
| Noncurrent loans to loans | 0.0891% | 3,099 |
| Net loans and leases to total assets | 73.3300% | 1,436 |
| Net loans and leases to deposits | 83.0212% | 1,858 |
| Net loans and leases to core deposits | 83.5956% | 2,485 |
| Total domestic deposits to total assets | 88.3200% | 1,249 |
| Equity capital to assets | 10.8704% | 1,543 |
| Core capital (leverage) ratio | 12.0943% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6947% | 1,139 |
| Memoranda: | ||
| Average total assets | $521,602,600 | 1,685 |
| Average earning assets | $479,395,400 | 1,689 |
| Average equity | $52,666,200 | 1,538 |
| Average total loans | $383,832,800 | 1,516 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,068 |
| Cost of funding earning assets | 0.2670% | 4,389 |
| Net interest margin | 4.1535% | 985 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.5111% | 2,207 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5713% | 980 |
| Return on assets (ROA) | 1.5713% | 972 |
| Pretax return on assets | 2.1822% | 575 |
| Return on Equity (ROE) | 15.8700% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.8854% | 1,177 |
| Net charge-offs to loans | -0.0063% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3359% | 3,646 |
| Assets per employee ($millions) | 6.4577% | 2,354 |
| Cash dividends to net income (ytd only)* | 31.3923% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 950 |
| Loan loss allowance to noncurrent loans | 1,084.5878% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,857 |
| Noncurrent loans to loans | 0.1444% | 2,827 |
| Net loans and leases to total assets | 73.6500% | 1,380 |
| Net loans and leases to deposits | 82.8071% | 1,843 |
| Net loans and leases to core deposits | 83.3588% | 2,369 |
| Total domestic deposits to total assets | 88.9400% | 1,277 |
| Equity capital to assets | 10.2250% | 1,689 |
| Core capital (leverage) ratio | 11.6936% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7158% | 1,155 |
| Memoranda: | ||
| Average total assets | $521,662,500 | 1,682 |
| Average earning assets | $479,806,000 | 1,687 |
| Average equity | $51,664,250 | 1,555 |
| Average total loans | $382,685,000 | 1,519 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 3,119 |
| Cost of funding earning assets | 0.2211% | 4,405 |
| Net interest margin | 4.0679% | 1,134 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.4955% | 2,218 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5206% | 1,068 |
| Return on assets (ROA) | 1.5206% | 1,063 |
| Pretax return on assets | 2.1038% | 622 |
| Return on Equity (ROE) | 15.5200% | 1,356 |
| Retained earnings to average equity (ytd only) | 7.9918% | 1,966 |
| Net charge-offs to loans | -0.0079% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.0295% | 3,607 |
| Assets per employee ($millions) | 6.7943% | 2,070 |
| Cash dividends to net income (ytd only)* | 48.5046% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 996 |
| Loan loss allowance to noncurrent loans | 1,077.0053% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,799 |
| Noncurrent loans to loans | 0.1457% | 2,736 |
| Net loans and leases to total assets | 71.5000% | 1,585 |
| Net loans and leases to deposits | 79.9694% | 1,984 |
| Net loans and leases to core deposits | 80.4422% | 2,437 |
| Total domestic deposits to total assets | 89.4100% | 1,108 |
| Equity capital to assets | 9.8354% | 1,954 |
| Core capital (leverage) ratio | 11.4853% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8919% | 1,340 |
| Memoranda: | ||
| Average total assets | $523,345,333 | 1,681 |
| Average earning assets | $482,165,333 | 1,681 |
| Average equity | $51,277,667 | 1,572 |
| Average total loans | $381,405,333 | 1,508 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,815 |
| Cost of funding earning assets | 0.1448% | 4,468 |
| Net interest margin | 4.1485% | 1,032 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.5113% | 2,215 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.5730% | 1,031 |
| Return on assets (ROA) | 1.5730% | 1,028 |
| Pretax return on assets | 2.1583% | 605 |
| Return on Equity (ROE) | 16.0800% | 1,341 |
| Retained earnings to average equity (ytd only) | 13.3320% | 1,038 |
| Net charge-offs to loans | -0.0116% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.4720% | 3,656 |
| Assets per employee ($millions) | 6.5191% | 2,325 |
| Cash dividends to net income (ytd only)* | 17.1149% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,036 |
| Loan loss allowance to noncurrent loans | 1,054.6410% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,750 |
| Noncurrent loans to loans | 0.1504% | 2,741 |
| Net loans and leases to total assets | 72.5700% | 1,365 |
| Net loans and leases to deposits | 81.3792% | 1,717 |
| Net loans and leases to core deposits | 81.9581% | 2,117 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 10.1183% | 1,758 |
| Core capital (leverage) ratio | 11.1794% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3557% | 1,298 |
| Memoranda: | ||
| Average total assets | $520,040,500 | 1,702 |
| Average earning assets | $480,654,000 | 1,703 |
| Average equity | $50,855,000 | 1,592 |
| Average total loans | $379,624,000 | 1,525 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 3,050 |
| Cost of funding earning assets | 0.0849% | 4,459 |
| Net interest margin | 3.4247% | 2,170 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1412% | 3,191 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2377% | 1,633 |
| Return on assets (ROA) | 1.2377% | 1,589 |
| Pretax return on assets | 1.7269% | 866 |
| Return on Equity (ROE) | 14.2900% | 1,466 |
| Retained earnings to average equity (ytd only) | 13.0545% | 504 |
| Net charge-offs to loans | -0.0370% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.7482% | 3,713 |
| Assets per employee ($millions) | 6.6465% | 2,222 |
| Cash dividends to net income (ytd only)* | 8.6643% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,025 |
| Loan loss allowance to noncurrent loans | 1,422.8571% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 2,999 |
| Noncurrent loans to loans | 0.1107% | 2,979 |
| Net loans and leases to total assets | 71.1400% | 1,509 |
| Net loans and leases to deposits | 79.2088% | 1,828 |
| Net loans and leases to core deposits | 79.9488% | 2,139 |
| Total domestic deposits to total assets | 89.8100% | 1,442 |
| Equity capital to assets | 9.4463% | 2,050 |
| Core capital (leverage) ratio | 10.6207% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6286% | 1,448 |
| Memoranda: | ||
| Average total assets | $559,507,800 | 1,588 |
| Average earning assets | $520,682,800 | 1,578 |
| Average equity | $48,450,800 | 1,663 |
| Average total loans | $351,789,200 | 1,540 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 3,225 |
| Cost of funding earning assets | 0.0858% | 4,381 |
| Net interest margin | 3.1972% | 2,635 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.0601% | 3,319 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1134% | 2,038 |
| Return on assets (ROA) | 1.1134% | 2,006 |
| Pretax return on assets | 1.5499% | 1,268 |
| Return on Equity (ROE) | 13.1300% | 1,661 |
| Retained earnings to average equity (ytd only) | 12.0254% | 786 |
| Net charge-offs to loans | -0.0723% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.7347% | 3,545 |
| Assets per employee ($millions) | 7.0608% | 1,901 |
| Cash dividends to net income (ytd only)* | 8.4317% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 996 |
| Loan loss allowance to noncurrent loans | 974.0066% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 2,881 |
| Noncurrent loans to loans | 0.1681% | 2,752 |
| Net loans and leases to total assets | 63.3400% | 2,157 |
| Net loans and leases to deposits | 69.6235% | 2,398 |
| Net loans and leases to core deposits | 70.3656% | 2,617 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 8.3679% | 2,626 |
| Core capital (leverage) ratio | 9.9003% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0233% | 1,418 |
| Memoranda: | ||
| Average total assets | $568,116,750 | 1,573 |
| Average earning assets | $529,822,000 | 1,568 |
| Average equity | $48,163,500 | 1,689 |
| Average total loans | $344,863,250 | 1,555 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0518% | 3,424 |
| Cost of funding earning assets | 0.1060% | 4,129 |
| Net interest margin | 2.9458% | 3,046 |
| Noninterest income to average assets | 0.6243% | 1,637 |
| Noninterest expense to average assets | 2.0226% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9752% | 2,243 |
| Return on assets (ROA) | 0.9752% | 2,217 |
| Pretax return on assets | 1.3542% | 1,572 |
| Return on Equity (ROE) | 11.4552% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.6331% | 864 |
| Net charge-offs to loans | -0.1082% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8964% | 3,310 |
| Assets per employee ($millions) | 7.0658% | 1,896 |
| Cash dividends to net income (ytd only)* | 7.1762% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,048 |
| Loan loss allowance to noncurrent loans | 939.9351% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,925 |
| Noncurrent loans to loans | 0.1756% | 2,815 |
| Net loans and leases to total assets | 62.5929% | 2,056 |
| Net loans and leases to deposits | 68.9419% | 2,309 |
| Net loans and leases to core deposits | 71.5364% | 2,373 |
| Total domestic deposits to total assets | 90.7907% | 1,343 |
| Equity capital to assets | 8.6099% | 2,685 |
| Core capital (leverage) ratio | 9.5524% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8789% | 1,464 |
| Memoranda: | ||
| Average total assets | $571,555,667 | 1,570 |
| Average earning assets | $534,045,667 | 1,570 |
| Average equity | $48,659,333 | 1,714 |
| Average total loans | $340,081,333 | 1,564 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8647% | 3,620 |
| Cost of funding earning assets | 0.1078% | 4,044 |
| Net interest margin | 2.7568% | 3,261 |
| Noninterest income to average assets | 0.4270% | 2,514 |
| Noninterest expense to average assets | 2.0214% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7171% | 2,993 |
| Return on assets (ROA) | 0.7171% | 2,982 |
| Pretax return on assets | 0.9894% | 2,467 |
| Return on Equity (ROE) | 8.4688% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.4688% | 1,436 |
| Net charge-offs to loans | -0.0036% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1386% | 2,612 |
| Assets per employee ($millions) | 7.0943% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,119 |
| Loan loss allowance to noncurrent loans | 885.9400% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 3,026 |
| Noncurrent loans to loans | 0.1877% | 2,879 |
| Net loans and leases to total assets | 58.4197% | 2,254 |
| Net loans and leases to deposits | 64.1759% | 2,512 |
| Net loans and leases to core deposits | 66.5332% | 2,580 |
| Total domestic deposits to total assets | 91.0306% | 1,019 |
| Equity capital to assets | 8.4506% | 3,208 |
| Core capital (leverage) ratio | 8.9736% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2923% | 1,426 |
| Memoranda: | ||
| Average total assets | $581,768,500 | 1,553 |
| Average earning assets | $545,266,500 | 1,548 |
| Average equity | $49,263,000 | 1,755 |
| Average total loans | $334,743,000 | 1,576 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 3,235 |
| Cost of funding earning assets | 0.1395% | 4,072 |
| Net interest margin | 3.1525% | 2,733 |
| Noninterest income to average assets | 0.6787% | 1,840 |
| Noninterest expense to average assets | 1.9894% | 3,704 |
| Loan and lease loss provision to assets | 0.0249% | 2,566 |
| Net operating income to assets | 1.1607% | 2,057 |
| Return on assets (ROA) | 1.1607% | 2,119 |
| Pretax return on assets | 1.6143% | 1,386 |
| Return on Equity (ROE) | 13.9010% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.9010% | 317 |
| Net charge-offs to loans | -0.0058% | 3,591 |
| Credit loss provision to net charge-offs | -700.0000% | 3,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8248% | 3,839 |
| Assets per employee ($millions) | 7.5442% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 1,079 |
| Loan loss allowance to noncurrent loans | 404.7653% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 2,399 |
| Noncurrent loans to loans | 0.4168% | 2,107 |
| Net loans and leases to total assets | 54.8185% | 2,749 |
| Net loans and leases to deposits | 60.2512% | 3,051 |
| Net loans and leases to core deposits | 62.3954% | 3,126 |
| Total domestic deposits to total assets | 90.9833% | 496 |
| Equity capital to assets | 8.4841% | 4,056 |
| Core capital (leverage) ratio | 8.5689% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8770% | 1,555 |
| Memoranda: | ||
| Average total assets | $561,477,000 | 1,537 |
| Average earning assets | $525,388,600 | 1,533 |
| Average equity | $46,881,400 | 1,861 |
| Average total loans | $344,321,400 | 1,538 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 3,192 |
| Cost of funding earning assets | 0.1500% | 4,108 |
| Net interest margin | 3.2204% | 2,671 |
| Noninterest income to average assets | 0.6948% | 1,838 |
| Noninterest expense to average assets | 1.9950% | 3,691 |
| Loan and lease loss provision to assets | 0.0338% | 2,324 |
| Net operating income to assets | 1.2049% | 2,152 |
| Return on assets (ROA) | 1.2049% | 2,212 |
| Pretax return on assets | 1.6752% | 1,473 |
| Return on Equity (ROE) | 14.4932% | 1,261 |
| Retained earnings to average equity (ytd only) | 14.4932% | 461 |
| Net charge-offs to loans | -0.0069% | 3,538 |
| Credit loss provision to net charge-offs | -777.7778% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8612% | 3,832 |
| Assets per employee ($millions) | 7.7623% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 1,216 |
| Loan loss allowance to noncurrent loans | 831.4540% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 3,346 |
| Noncurrent loans to loans | 0.1989% | 3,156 |
| Net loans and leases to total assets | 56.5050% | 2,672 |
| Net loans and leases to deposits | 62.0277% | 3,036 |
| Net loans and leases to core deposits | 64.0948% | 3,133 |
| Total domestic deposits to total assets | 91.0965% | 338 |
| Equity capital to assets | 8.3614% | 4,300 |
| Core capital (leverage) ratio | 8.4588% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6370% | 1,744 |
| Memoranda: | ||
| Average total assets | $552,847,750 | 1,577 |
| Average earning assets | $516,563,250 | 1,564 |
| Average equity | $45,960,500 | 1,914 |
| Average total loans | $347,321,500 | 1,557 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 3,224 |
| Cost of funding earning assets | 0.1598% | 4,123 |
| Net interest margin | 3.2228% | 2,690 |
| Noninterest income to average assets | 0.7789% | 1,587 |
| Noninterest expense to average assets | 2.0152% | 3,658 |
| Loan and lease loss provision to assets | 0.0518% | 1,999 |
| Net operating income to assets | 1.2430% | 2,047 |
| Return on assets (ROA) | 1.2430% | 2,109 |
| Pretax return on assets | 1.7262% | 1,418 |
| Return on Equity (ROE) | 14.9827% | 1,163 |
| Retained earnings to average equity (ytd only) | 14.9827% | 432 |
| Net charge-offs to loans | -0.0034% | 3,321 |
| Credit loss provision to net charge-offs | -2,333.3333% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1265% | 3,914 |
| Assets per employee ($millions) | 7.4178% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,209 |
| Loan loss allowance to noncurrent loans | 805.7637% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 3,438 |
| Noncurrent loans to loans | 0.2023% | 3,234 |
| Net loans and leases to total assets | 58.3172% | 2,625 |
| Net loans and leases to deposits | 63.9122% | 3,006 |
| Net loans and leases to core deposits | 66.1032% | 3,101 |
| Total domestic deposits to total assets | 91.2457% | 297 |
| Equity capital to assets | 8.2448% | 4,402 |
| Core capital (leverage) ratio | 8.3745% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6025% | 1,764 |
| Memoranda: | ||
| Average total assets | $540,485,333 | 1,597 |
| Average earning assets | $505,525,000 | 1,591 |
| Average equity | $44,838,333 | 1,937 |
| Average total loans | $350,113,000 | 1,558 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 2,863 |
| Cost of funding earning assets | 0.1748% | 4,122 |
| Net interest margin | 3.3441% | 2,265 |
| Noninterest income to average assets | 0.7479% | 1,724 |
| Noninterest expense to average assets | 2.0359% | 3,602 |
| Loan and lease loss provision to assets | 0.0805% | 1,608 |
| Net operating income to assets | 1.2726% | 1,915 |
| Return on assets (ROA) | 1.2726% | 1,993 |
| Pretax return on assets | 1.7582% | 1,383 |
| Return on Equity (ROE) | 15.2882% | 1,155 |
| Retained earnings to average equity (ytd only) | 15.2882% | 597 |
| Net charge-offs to loans | -0.0034% | 3,255 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5441% | 3,950 |
| Assets per employee ($millions) | 7.2932% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,492 |
| Loan loss allowance to noncurrent loans | 598.4914% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,318 |
| Noncurrent loans to loans | 0.2562% | 3,188 |
| Net loans and leases to total assets | 65.2040% | 1,900 |
| Net loans and leases to deposits | 71.2687% | 2,392 |
| Net loans and leases to core deposits | 73.8864% | 2,526 |
| Total domestic deposits to total assets | 91.4904% | 244 |
| Equity capital to assets | 8.0350% | 4,469 |
| Core capital (leverage) ratio | 8.4414% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9554% | 1,908 |
| Memoranda: | ||
| Average total assets | $521,435,000 | 1,633 |
| Average earning assets | $487,550,500 | 1,624 |
| Average equity | $43,406,000 | 1,969 |
| Average total loans | $353,666,000 | 1,549 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 2,698 |
| Cost of funding earning assets | 0.2555% | 4,356 |
| Net interest margin | 3.7524% | 1,637 |
| Noninterest income to average assets | 0.8443% | 1,405 |
| Noninterest expense to average assets | 2.3274% | 3,335 |
| Loan and lease loss provision to assets | 0.2841% | 1,339 |
| Net operating income to assets | 1.2210% | 1,475 |
| Return on assets (ROA) | 1.2210% | 1,591 |
| Pretax return on assets | 1.7030% | 852 |
| Return on Equity (ROE) | 13.7363% | 874 |
| Retained earnings to average equity (ytd only) | 13.7363% | 201 |
| Net charge-offs to loans | 0.0006% | 3,413 |
| Credit loss provision to net charge-offs | 62,150.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 4,347.0000% | 21 |
| Efficiency ratio | 53.9440% | 4,218 |
| Assets per employee ($millions) | 6.5566% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,377 |
| Loan loss allowance to noncurrent loans | 494.1924% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,185 |
| Noncurrent loans to loans | 0.3171% | 3,065 |
| Net loans and leases to total assets | 68.6489% | 1,744 |
| Net loans and leases to deposits | 75.9945% | 2,282 |
| Net loans and leases to core deposits | 79.1164% | 2,442 |
| Total domestic deposits to total assets | 90.3340% | 438 |
| Equity capital to assets | 8.6014% | 4,373 |
| Core capital (leverage) ratio | 8.4928% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1801% | 1,787 |
| Memoranda: | ||
| Average total assets | $437,521,400 | 1,739 |
| Average earning assets | $404,621,400 | 1,754 |
| Average equity | $38,889,600 | 2,060 |
| Average total loans | $321,230,200 | 1,604 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 2,883 |
| Cost of funding earning assets | 0.2750% | 4,414 |
| Net interest margin | 3.7569% | 1,740 |
| Noninterest income to average assets | 0.7009% | 1,801 |
| Noninterest expense to average assets | 2.4069% | 3,114 |
| Loan and lease loss provision to assets | 0.1920% | 2,069 |
| Net operating income to assets | 1.1252% | 1,896 |
| Return on assets (ROA) | 1.1252% | 2,015 |
| Pretax return on assets | 1.5694% | 1,274 |
| Return on Equity (ROE) | 12.5390% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.5390% | 369 |
| Net charge-offs to loans | -0.0038% | 3,995 |
| Credit loss provision to net charge-offs | -6,755.5556% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7445% | 3,700 |
| Assets per employee ($millions) | 7.0313% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,913 |
| Loan loss allowance to noncurrent loans | 382.3949% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,148 |
| Noncurrent loans to loans | 0.3557% | 3,015 |
| Net loans and leases to total assets | 71.0543% | 1,808 |
| Net loans and leases to deposits | 78.0225% | 2,534 |
| Net loans and leases to core deposits | 81.3352% | 2,719 |
| Total domestic deposits to total assets | 91.0690% | 159 |
| Equity capital to assets | 8.3347% | 4,556 |
| Core capital (leverage) ratio | 8.5326% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3201% | 1,725 |
| Memoranda: | ||
| Average total assets | $422,325,500 | 1,768 |
| Average earning assets | $389,781,750 | 1,779 |
| Average equity | $37,896,750 | 2,091 |
| Average total loans | $314,656,000 | 1,630 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 2,877 |
| Cost of funding earning assets | 0.3053% | 4,462 |
| Net interest margin | 3.8556% | 1,678 |
| Noninterest income to average assets | 0.5974% | 2,142 |
| Noninterest expense to average assets | 2.5516% | 2,822 |
| Loan and lease loss provision to assets | 0.1238% | 2,792 |
| Net operating income to assets | 1.0565% | 2,119 |
| Return on assets (ROA) | 1.0565% | 2,251 |
| Pretax return on assets | 1.4670% | 1,536 |
| Return on Equity (ROE) | 11.4395% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.4395% | 545 |
| Net charge-offs to loans | -0.0040% | 3,946 |
| Credit loss provision to net charge-offs | -4,116.6667% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5971% | 3,185 |
| Assets per employee ($millions) | 6.3938% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,132 |
| Loan loss allowance to noncurrent loans | 445.8000% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,465 |
| Noncurrent loans to loans | 0.2859% | 3,357 |
| Net loans and leases to total assets | 75.0226% | 1,278 |
| Net loans and leases to deposits | 82.5824% | 2,140 |
| Net loans and leases to core deposits | 86.3295% | 2,409 |
| Total domestic deposits to total assets | 90.8457% | 191 |
| Equity capital to assets | 8.5834% | 4,427 |
| Core capital (leverage) ratio | 8.8913% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2473% | 1,715 |
| Memoranda: | ||
| Average total assets | $399,036,000 | 1,817 |
| Average earning assets | $366,894,000 | 1,828 |
| Average equity | $36,854,667 | 2,122 |
| Average total loans | $301,359,000 | 1,659 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,711 |
| Cost of funding earning assets | 0.3498% | 4,517 |
| Net interest margin | 4.0225% | 1,329 |
| Noninterest income to average assets | 0.6102% | 2,000 |
| Noninterest expense to average assets | 2.8536% | 2,264 |
| Loan and lease loss provision to assets | 0.2682% | 1,162 |
| Net operating income to assets | 0.8524% | 2,700 |
| Return on assets (ROA) | 0.8524% | 2,800 |
| Pretax return on assets | 1.1716% | 2,297 |
| Return on Equity (ROE) | 8.8388% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.8388% | 1,016 |
| Net charge-offs to loans | -0.0043% | 3,817 |
| Credit loss provision to net charge-offs | -8,233.3333% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4643% | 2,890 |
| Assets per employee ($millions) | 5.1170% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 1,041 |
| Loan loss allowance to noncurrent loans | 2,784.3750% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,389 |
| Noncurrent loans to loans | 0.0579% | 4,322 |
| Net loans and leases to total assets | 73.8103% | 1,645 |
| Net loans and leases to deposits | 82.3705% | 2,408 |
| Net loans and leases to core deposits | 86.8060% | 2,612 |
| Total domestic deposits to total assets | 89.6077% | 443 |
| Equity capital to assets | 9.7547% | 3,991 |
| Core capital (leverage) ratio | 9.7421% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0890% | 2,246 |
| Memoranda: | ||
| Average total assets | $368,378,000 | 1,891 |
| Average earning assets | $337,305,000 | 1,906 |
| Average equity | $35,525,000 | 2,172 |
| Average total loans | $277,125,500 | 1,728 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 2,645 |
| Cost of funding earning assets | 0.3192% | 4,685 |
| Net interest margin | 4.2736% | 1,154 |
| Noninterest income to average assets | 0.5530% | 2,456 |
| Noninterest expense to average assets | 2.7344% | 2,788 |
| Loan and lease loss provision to assets | -0.1366% | 5,097 |
| Net operating income to assets | 1.3366% | 1,559 |
| Return on assets (ROA) | 1.3366% | 1,632 |
| Pretax return on assets | 1.8661% | 804 |
| Return on Equity (ROE) | 14.6595% | 759 |
| Retained earnings to average equity (ytd only) | 8.8161% | 759 |
| Net charge-offs to loans | -0.2382% | 5,071 |
| Credit loss provision to net charge-offs | 75.6430% | 2,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2560% | 3,502 |
| Assets per employee ($millions) | 5.0456% | 2,536 |
| Cash dividends to net income (ytd only)* | 39.8610% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,184 |
| Loan loss allowance to noncurrent loans | 2,533.1325% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,418 |
| Noncurrent loans to loans | 0.0597% | 4,304 |
| Net loans and leases to total assets | 74.2961% | 1,704 |
| Net loans and leases to deposits | 82.7735% | 2,472 |
| Net loans and leases to core deposits | 86.5914% | 2,744 |
| Total domestic deposits to total assets | 89.7583% | 404 |
| Equity capital to assets | 9.5325% | 4,327 |
| Core capital (leverage) ratio | 9.4169% | 4,146 |
| Tier 1 risk-based capital ratio | 12.6074% | 4,007 |
| Total risk-based capital ratio | 13.8611% | 3,888 |
| Memoranda: | ||
| Average total assets | $365,999,000 | 1,857 |
| Average earning assets | $334,942,800 | 1,862 |
| Average equity | $33,370,800 | 2,217 |
| Average total loans | $277,545,600 | 1,701 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 2,636 |
| Cost of funding earning assets | 0.3002% | 4,797 |
| Net interest margin | 4.3271% | 1,111 |
| Noninterest income to average assets | 0.5469% | 2,476 |
| Noninterest expense to average assets | 2.7256% | 2,790 |
| Loan and lease loss provision to assets | -0.1824% | 5,204 |
| Net operating income to assets | 1.4095% | 1,438 |
| Return on assets (ROA) | 1.4095% | 1,500 |
| Pretax return on assets | 1.9688% | 736 |
| Return on Equity (ROE) | 15.6381% | 668 |
| Retained earnings to average equity (ytd only) | 7.7442% | 1,517 |
| Net charge-offs to loans | -0.3162% | 5,159 |
| Credit loss provision to net charge-offs | 75.9878% | 2,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4076% | 3,560 |
| Assets per employee ($millions) | 5.2065% | 2,334 |
| Cash dividends to net income (ytd only)* | 50.4790% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,148 |
| Loan loss allowance to noncurrent loans | 4,668.8889% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,623 |
| Noncurrent loans to loans | 0.0329% | 4,517 |
| Net loans and leases to total assets | 71.8435% | 2,200 |
| Net loans and leases to deposits | 79.5992% | 2,940 |
| Net loans and leases to core deposits | 83.3802% | 3,142 |
| Total domestic deposits to total assets | 90.2566% | 228 |
| Equity capital to assets | 9.1034% | 4,725 |
| Core capital (leverage) ratio | 9.2074% | 4,471 |
| Tier 1 risk-based capital ratio | 12.3631% | 4,214 |
| Total risk-based capital ratio | 13.6168% | 4,096 |
| Memoranda: | ||
| Average total assets | $365,416,500 | 1,878 |
| Average earning assets | $334,841,750 | 1,878 |
| Average equity | $32,935,750 | 2,259 |
| Average total loans | $277,467,250 | 1,713 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,479 |
| Cost of funding earning assets | 0.2666% | 4,910 |
| Net interest margin | 4.3944% | 953 |
| Noninterest income to average assets | 0.5333% | 2,480 |
| Noninterest expense to average assets | 2.7924% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2720% | 1,876 |
| Return on assets (ROA) | 1.2720% | 1,940 |
| Pretax return on assets | 1.7727% | 1,105 |
| Return on Equity (ROE) | 14.1615% | 942 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,643 |
| Net charge-offs to loans | -0.0373% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1682% | 3,562 |
| Assets per employee ($millions) | 5.0143% | 2,460 |
| Cash dividends to net income (ytd only)* | 62.9340% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,332 |
| Loan loss allowance to noncurrent loans | 4,404.3011% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,652 |
| Noncurrent loans to loans | 0.0336% | 4,548 |
| Net loans and leases to total assets | 75.4296% | 1,641 |
| Net loans and leases to deposits | 83.5853% | 2,535 |
| Net loans and leases to core deposits | 85.1708% | 3,018 |
| Total domestic deposits to total assets | 90.2427% | 262 |
| Equity capital to assets | 9.1568% | 4,692 |
| Core capital (leverage) ratio | 9.1004% | 4,549 |
| Tier 1 risk-based capital ratio | 11.9459% | 4,449 |
| Total risk-based capital ratio | 13.1992% | 4,331 |
| Memoranda: | ||
| Average total assets | $362,265,670 | 1,895 |
| Average earning assets | $332,374,670 | 1,899 |
| Average equity | $32,539,000 | 2,270 |
| Average total loans | $278,782,670 | 1,717 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 2,459 |
| Cost of funding earning assets | 0.2499% | 4,982 |
| Net interest margin | 4.3731% | 959 |
| Noninterest income to average assets | 0.5269% | 2,397 |
| Noninterest expense to average assets | 2.8042% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2467% | 1,903 |
| Return on assets (ROA) | 1.2467% | 1,947 |
| Pretax return on assets | 1.7350% | 1,127 |
| Return on Equity (ROE) | 14.0153% | 967 |
| Retained earnings to average equity (ytd only) | 9.6781% | 1,114 |
| Net charge-offs to loans | -0.0700% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7776% | 3,572 |
| Assets per employee ($millions) | 4.9598% | 2,576 |
| Cash dividends to net income (ytd only)* | 30.9461% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,492 |
| Loan loss allowance to noncurrent loans | 947.4537% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 4,199 |
| Noncurrent loans to loans | 0.1536% | 4,049 |
| Net loans and leases to total assets | 77.6022% | 1,218 |
| Net loans and leases to deposits | 85.9257% | 2,138 |
| Net loans and leases to core deposits | 88.1669% | 2,662 |
| Total domestic deposits to total assets | 90.3131% | 350 |
| Equity capital to assets | 9.1775% | 4,552 |
| Core capital (leverage) ratio | 9.0335% | 4,631 |
| Tier 1 risk-based capital ratio | 11.8254% | 4,551 |
| Total risk-based capital ratio | 13.0784% | 4,452 |
| Memoranda: | ||
| Average total assets | $362,882,500 | 1,905 |
| Average earning assets | $332,948,000 | 1,910 |
| Average equity | $32,279,000 | 2,284 |
| Average total loans | $279,963,500 | 1,720 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 2,717 |
| Cost of funding earning assets | 0.1891% | 5,044 |
| Net interest margin | 4.2249% | 1,338 |
| Noninterest income to average assets | 0.6732% | 1,953 |
| Noninterest expense to average assets | 2.6471% | 3,190 |
| Loan and lease loss provision to assets | 0.0904% | 2,339 |
| Net operating income to assets | 1.2737% | 1,899 |
| Return on assets (ROA) | 1.2737% | 1,899 |
| Pretax return on assets | 1.8303% | 849 |
| Return on Equity (ROE) | 14.9959% | 830 |
| Retained earnings to average equity (ytd only) | 10.3553% | 556 |
| Net charge-offs to loans | -0.0250% | 4,758 |
| Credit loss provision to net charge-offs | -479.1045% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9512% | 4,171 |
| Assets per employee ($millions) | 5.1924% | 2,273 |
| Cash dividends to net income (ytd only)* | 30.9461% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,443 |
| Loan loss allowance to noncurrent loans | 650.1608% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,977 |
| Noncurrent loans to loans | 0.2232% | 3,779 |
| Net loans and leases to total assets | 74.5046% | 1,839 |
| Net loans and leases to deposits | 82.0403% | 2,724 |
| Net loans and leases to core deposits | 84.1934% | 3,067 |
| Total domestic deposits to total assets | 90.8146% | 246 |
| Equity capital to assets | 8.6217% | 4,859 |
| Core capital (leverage) ratio | 8.6619% | 4,910 |
| Tier 1 risk-based capital ratio | 11.5925% | 4,671 |
| Total risk-based capital ratio | 12.8453% | 4,567 |
| Memoranda: | ||
| Average total assets | $355,187,400 | 1,898 |
| Average earning assets | $327,419,600 | 1,905 |
| Average equity | $30,168,200 | 2,325 |
| Average total loans | $268,160,200 | 1,739 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,903 |
| Cost of funding earning assets | 0.1803% | 5,093 |
| Net interest margin | 4.1368% | 1,529 |
| Noninterest income to average assets | 0.6833% | 1,915 |
| Noninterest expense to average assets | 2.6198% | 3,229 |
| Loan and lease loss provision to assets | 0.1061% | 1,893 |
| Net operating income to assets | 1.2392% | 2,088 |
| Return on assets (ROA) | 1.2392% | 2,090 |
| Pretax return on assets | 1.7740% | 1,075 |
| Return on Equity (ROE) | 14.6482% | 950 |
| Retained earnings to average equity (ytd only) | 9.9447% | 941 |
| Net charge-offs to loans | -0.0296% | 4,747 |
| Credit loss provision to net charge-offs | -474.5763% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2196% | 4,086 |
| Assets per employee ($millions) | 5.7429% | 1,697 |
| Cash dividends to net income (ytd only)* | 32.1102% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,551 |
| Loan loss allowance to noncurrent loans | 621.1509% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,090 |
| Noncurrent loans to loans | 0.2320% | 3,876 |
| Net loans and leases to total assets | 73.1606% | 2,137 |
| Net loans and leases to deposits | 80.2128% | 3,016 |
| Net loans and leases to core deposits | 82.0180% | 3,324 |
| Total domestic deposits to total assets | 91.2082% | 177 |
| Equity capital to assets | 8.2402% | 5,063 |
| Core capital (leverage) ratio | 8.5912% | 5,039 |
| Tier 1 risk-based capital ratio | 11.2945% | 4,898 |
| Total risk-based capital ratio | 12.5473% | 4,793 |
| Memoranda: | ||
| Average total assets | $351,818,500 | 1,925 |
| Average earning assets | $324,589,250 | 1,921 |
| Average equity | $29,764,000 | 2,355 |
| Average total loans | $265,521,500 | 1,761 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,729 |
| Cost of funding earning assets | 0.1713% | 5,147 |
| Net interest margin | 4.1378% | 1,453 |
| Noninterest income to average assets | 0.7613% | 1,605 |
| Noninterest expense to average assets | 2.6983% | 3,024 |
| Loan and lease loss provision to assets | 0.0464% | 2,972 |
| Net operating income to assets | 1.2644% | 1,918 |
| Return on assets (ROA) | 1.2644% | 1,919 |
| Pretax return on assets | 1.8296% | 903 |
| Return on Equity (ROE) | 14.8070% | 890 |
| Retained earnings to average equity (ytd only) | 10.3901% | 820 |
| Net charge-offs to loans | -0.0397% | 4,837 |
| Credit loss provision to net charge-offs | -153.8462% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9877% | 4,085 |
| Assets per employee ($millions) | 5.2239% | 2,172 |
| Cash dividends to net income (ytd only)* | 29.8302% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,738 |
| Loan loss allowance to noncurrent loans | 629.2359% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,125 |
| Noncurrent loans to loans | 0.2226% | 3,924 |
| Net loans and leases to total assets | 76.1930% | 1,605 |
| Net loans and leases to deposits | 83.8331% | 2,554 |
| Net loans and leases to core deposits | 85.8500% | 2,937 |
| Total domestic deposits to total assets | 90.8865% | 279 |
| Equity capital to assets | 8.6126% | 4,865 |
| Core capital (leverage) ratio | 8.8943% | 4,795 |
| Tier 1 risk-based capital ratio | 11.5197% | 4,777 |
| Total risk-based capital ratio | 12.7724% | 4,671 |
| Memoranda: | ||
| Average total assets | $344,661,000 | 1,952 |
| Average earning assets | $317,608,000 | 1,951 |
| Average equity | $29,432,000 | 2,384 |
| Average total loans | $261,663,330 | 1,780 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,877 |
| Cost of funding earning assets | 0.1663% | 5,181 |
| Net interest margin | 4.0346% | 1,611 |
| Noninterest income to average assets | 0.8047% | 1,438 |
| Noninterest expense to average assets | 2.7919% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1521% | 2,208 |
| Return on assets (ROA) | 1.1521% | 2,220 |
| Pretax return on assets | 1.7299% | 1,044 |
| Return on Equity (ROE) | 13.5507% | 1,120 |
| Retained earnings to average equity (ytd only) | 8.7357% | 1,560 |
| Net charge-offs to loans | -0.0047% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7434% | 3,834 |
| Assets per employee ($millions) | 5.0968% | 2,372 |
| Cash dividends to net income (ytd only)* | 35.5330% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,801 |
| Loan loss allowance to noncurrent loans | 800.6565% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 4,423 |
| Noncurrent loans to loans | 0.1761% | 4,187 |
| Net loans and leases to total assets | 74.9339% | 1,716 |
| Net loans and leases to deposits | 82.3646% | 2,563 |
| Net loans and leases to core deposits | 84.4585% | 2,938 |
| Total domestic deposits to total assets | 90.9782% | 330 |
| Equity capital to assets | 8.5837% | 4,911 |
| Core capital (leverage) ratio | 8.7580% | 4,941 |
| Tier 1 risk-based capital ratio | 11.7432% | 4,712 |
| Total risk-based capital ratio | 12.9957% | 4,599 |
| Memoranda: | ||
| Average total assets | $341,992,500 | 1,974 |
| Average earning assets | $315,073,000 | 1,978 |
| Average equity | $29,076,000 | 2,430 |
| Average total loans | $257,264,000 | 1,810 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,615 |
| Cost of funding earning assets | 0.1724% | 5,140 |
| Net interest margin | 4.0468% | 1,597 |
| Noninterest income to average assets | 0.5518% | 2,710 |
| Noninterest expense to average assets | 2.4989% | 3,789 |
| Loan and lease loss provision to assets | 0.0410% | 3,444 |
| Net operating income to assets | 0.9054% | 2,684 |
| Return on assets (ROA) | 0.9054% | 2,707 |
| Pretax return on assets | 1.7127% | 976 |
| Return on Equity (ROE) | 11.0142% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.5586% | 1,254 |
| Net charge-offs to loans | -0.0147% | 4,875 |
| Credit loss provision to net charge-offs | -378.3784% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7611% | 4,439 |
| Assets per employee ($millions) | 5.1119% | 2,348 |
| Cash dividends to net income (ytd only)* | 40.4531% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,640 |
| Loan loss allowance to noncurrent loans | 620.7131% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,268 |
| Noncurrent loans to loans | 0.2310% | 3,980 |
| Net loans and leases to total assets | 73.3796% | 2,029 |
| Net loans and leases to deposits | 80.6185% | 2,853 |
| Net loans and leases to core deposits | 82.7658% | 3,170 |
| Total domestic deposits to total assets | 91.0207% | 236 |
| Equity capital to assets | 8.4204% | 5,174 |
| Core capital (leverage) ratio | 7.9779% | 5,452 |
| Tier 1 risk-based capital ratio | 11.6730% | 4,739 |
| Total risk-based capital ratio | 12.9259% | 4,622 |
| Memoranda: | ||
| Average total assets | $341,266,800 | 1,955 |
| Average earning assets | $312,098,200 | 1,977 |
| Average equity | $28,054,600 | 2,486 |
| Average total loans | $252,030,000 | 1,803 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 2,724 |
| Cost of funding earning assets | 0.1717% | 5,183 |
| Net interest margin | 3.9960% | 1,716 |
| Noninterest income to average assets | 0.5310% | 2,833 |
| Noninterest expense to average assets | 2.5168% | 3,673 |
| Loan and lease loss provision to assets | 0.0469% | 3,168 |
| Net operating income to assets | 0.9819% | 2,631 |
| Return on assets (ROA) | 0.9819% | 2,690 |
| Pretax return on assets | 1.6178% | 1,358 |
| Return on Equity (ROE) | 12.0177% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.4710% | 1,444 |
| Net charge-offs to loans | -0.0154% | 4,761 |
| Credit loss provision to net charge-offs | -413.7931% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1889% | 4,180 |
| Assets per employee ($millions) | 5.9527% | 1,530 |
| Cash dividends to net income (ytd only)* | 37.8336% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,871 |
| Loan loss allowance to noncurrent loans | 608.7248% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,474 |
| Noncurrent loans to loans | 0.2306% | 4,142 |
| Net loans and leases to total assets | 67.9449% | 2,852 |
| Net loans and leases to deposits | 73.9771% | 3,569 |
| Net loans and leases to core deposits | 75.9792% | 3,801 |
| Total domestic deposits to total assets | 91.8458% | 69 |
| Equity capital to assets | 7.6654% | 5,602 |
| Core capital (leverage) ratio | 8.1855% | 5,430 |
| Tier 1 risk-based capital ratio | 10.9454% | 5,276 |
| Total risk-based capital ratio | 12.1972% | 5,168 |
| Memoranda: | ||
| Average total assets | $340,958,500 | 1,975 |
| Average earning assets | $311,467,000 | 1,994 |
| Average equity | $27,858,250 | 2,513 |
| Average total loans | $251,292,250 | 1,816 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,411 |
| Cost of funding earning assets | 0.1678% | 5,219 |
| Net interest margin | 4.0500% | 1,460 |
| Noninterest income to average assets | 0.5516% | 2,708 |
| Noninterest expense to average assets | 2.6250% | 3,354 |
| Loan and lease loss provision to assets | 0.0728% | 2,513 |
| Net operating income to assets | 0.9508% | 2,654 |
| Return on assets (ROA) | 0.9508% | 2,710 |
| Pretax return on assets | 1.5582% | 1,465 |
| Return on Equity (ROE) | 11.3707% | 1,504 |
| Retained earnings to average equity (ytd only) | 6.6541% | 1,768 |
| Net charge-offs to loans | -0.0096% | 4,516 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6766% | 4,052 |
| Assets per employee ($millions) | 5.4316% | 1,938 |
| Cash dividends to net income (ytd only)* | 41.4805% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,853 |
| Loan loss allowance to noncurrent loans | 571.3608% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,416 |
| Noncurrent loans to loans | 0.2489% | 4,142 |
| Net loans and leases to total assets | 75.5368% | 1,606 |
| Net loans and leases to deposits | 82.9947% | 2,600 |
| Net loans and leases to core deposits | 85.9191% | 2,887 |
| Total domestic deposits to total assets | 91.0140% | 218 |
| Equity capital to assets | 8.4859% | 5,313 |
| Core capital (leverage) ratio | 8.5486% | 5,179 |
| Tier 1 risk-based capital ratio | 11.1756% | 5,163 |
| Total risk-based capital ratio | 12.4281% | 5,050 |
| Memoranda: | ||
| Average total assets | $329,603,670 | 2,024 |
| Average earning assets | $301,481,670 | 2,047 |
| Average equity | $27,562,000 | 2,530 |
| Average total loans | $248,910,670 | 1,832 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,462 |
| Cost of funding earning assets | 0.1650% | 5,267 |
| Net interest margin | 3.9881% | 1,497 |
| Noninterest income to average assets | 0.5123% | 2,899 |
| Noninterest expense to average assets | 2.6172% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9466% | 2,537 |
| Return on assets (ROA) | 0.9466% | 2,599 |
| Pretax return on assets | 1.5428% | 1,406 |
| Return on Equity (ROE) | 11.4055% | 1,435 |
| Retained earnings to average equity (ytd only) | 6.2745% | 2,198 |
| Net charge-offs to loans | -0.0162% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9131% | 4,003 |
| Assets per employee ($millions) | 5.3242% | 2,048 |
| Cash dividends to net income (ytd only)* | 44.9871% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,071 |
| Loan loss allowance to noncurrent loans | 349.2492% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,958 |
| Noncurrent loans to loans | 0.4011% | 3,658 |
| Net loans and leases to total assets | 75.6237% | 1,473 |
| Net loans and leases to deposits | 83.0373% | 2,390 |
| Net loans and leases to core deposits | 86.1045% | 2,697 |
| Total domestic deposits to total assets | 91.0720% | 282 |
| Equity capital to assets | 8.4766% | 5,258 |
| Core capital (leverage) ratio | 8.4694% | 5,247 |
| Tier 1 risk-based capital ratio | 11.1778% | 5,215 |
| Total risk-based capital ratio | 12.4300% | 5,111 |
| Memoranda: | ||
| Average total assets | $328,742,500 | 2,052 |
| Average earning assets | $300,692,500 | 2,068 |
| Average equity | $27,285,000 | 2,563 |
| Average total loans | $246,424,000 | 1,855 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 2,411 |
| Cost of funding earning assets | 0.1937% | 5,082 |
| Net interest margin | 4.0291% | 1,558 |
| Noninterest income to average assets | 0.4840% | 3,328 |
| Noninterest expense to average assets | 2.4700% | 4,106 |
| Loan and lease loss provision to assets | 0.0414% | 3,551 |
| Net operating income to assets | 0.9956% | 2,368 |
| Return on assets (ROA) | 0.9956% | 2,472 |
| Pretax return on assets | 1.6632% | 1,102 |
| Return on Equity (ROE) | 12.3709% | 1,153 |
| Retained earnings to average equity (ytd only) | 7.2227% | 1,145 |
| Net charge-offs to loans | -0.0294% | 5,236 |
| Credit loss provision to net charge-offs | -198.5294% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1678% | 4,706 |
| Assets per employee ($millions) | 5.5452% | 1,831 |
| Cash dividends to net income (ytd only)* | 41.6153% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,975 |
| Loan loss allowance to noncurrent loans | 508.6257% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 4,501 |
| Noncurrent loans to loans | 0.2806% | 4,153 |
| Net loans and leases to total assets | 72.2169% | 2,138 |
| Net loans and leases to deposits | 79.0512% | 2,987 |
| Net loans and leases to core deposits | 82.0372% | 3,207 |
| Total domestic deposits to total assets | 91.3546% | 195 |
| Equity capital to assets | 8.1272% | 5,502 |
| Core capital (leverage) ratio | 7.9678% | 5,631 |
| Tier 1 risk-based capital ratio | 11.0263% | 5,334 |
| Total risk-based capital ratio | 12.2786% | 5,219 |
| Memoranda: | ||
| Average total assets | $325,824,600 | 2,031 |
| Average earning assets | $298,450,600 | 2,053 |
| Average equity | $26,222,800 | 2,617 |
| Average total loans | $231,616,200 | 1,895 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,503 |
| Cost of funding earning assets | 0.1978% | 5,094 |
| Net interest margin | 4.0039% | 1,636 |
| Noninterest income to average assets | 0.4858% | 3,344 |
| Noninterest expense to average assets | 2.4852% | 4,027 |
| Loan and lease loss provision to assets | 0.0555% | 3,139 |
| Net operating income to assets | 0.9655% | 2,589 |
| Return on assets (ROA) | 0.9655% | 2,723 |
| Pretax return on assets | 1.6180% | 1,337 |
| Return on Equity (ROE) | 12.0271% | 1,313 |
| Retained earnings to average equity (ytd only) | 6.9026% | 1,674 |
| Net charge-offs to loans | -0.0443% | 5,328 |
| Credit loss provision to net charge-offs | -177.6316% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7586% | 4,578 |
| Assets per employee ($millions) | 5.6769% | 1,692 |
| Cash dividends to net income (ytd only)* | 42.6075% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,866 |
| Loan loss allowance to noncurrent loans | 492.5141% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 4,591 |
| Noncurrent loans to loans | 0.2993% | 4,179 |
| Net loans and leases to total assets | 69.5820% | 2,556 |
| Net loans and leases to deposits | 76.0387% | 3,395 |
| Net loans and leases to core deposits | 78.7084% | 3,588 |
| Total domestic deposits to total assets | 91.5086% | 116 |
| Equity capital to assets | 7.9919% | 5,739 |
| Core capital (leverage) ratio | 8.0739% | 5,651 |
| Tier 1 risk-based capital ratio | 10.6738% | 5,536 |
| Total risk-based capital ratio | 11.9259% | 5,450 |
| Memoranda: | ||
| Average total assets | $324,103,250 | 2,044 |
| Average earning assets | $297,299,500 | 2,062 |
| Average equity | $26,018,500 | 2,657 |
| Average total loans | $228,582,250 | 1,916 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,399 |
| Cost of funding earning assets | 0.2035% | 5,109 |
| Net interest margin | 4.0281% | 1,560 |
| Noninterest income to average assets | 0.4942% | 3,234 |
| Noninterest expense to average assets | 2.5573% | 3,868 |
| Loan and lease loss provision to assets | 0.0562% | 3,018 |
| Net operating income to assets | 0.9317% | 2,718 |
| Return on assets (ROA) | 0.9317% | 2,852 |
| Pretax return on assets | 1.5745% | 1,444 |
| Return on Equity (ROE) | 11.5877% | 1,450 |
| Retained earnings to average equity (ytd only) | 6.5428% | 1,853 |
| Net charge-offs to loans | -0.0434% | 5,311 |
| Credit loss provision to net charge-offs | -183.6735% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0639% | 4,502 |
| Assets per employee ($millions) | 5.3039% | 1,981 |
| Cash dividends to net income (ytd only)* | 43.5365% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,885 |
| Loan loss allowance to noncurrent loans | 431.3131% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 4,387 |
| Noncurrent loans to loans | 0.3464% | 4,133 |
| Net loans and leases to total assets | 69.6187% | 2,531 |
| Net loans and leases to deposits | 76.1720% | 3,363 |
| Net loans and leases to core deposits | 79.7171% | 3,489 |
| Total domestic deposits to total assets | 91.3967% | 129 |
| Equity capital to assets | 8.1279% | 5,763 |
| Core capital (leverage) ratio | 8.0649% | 5,690 |
| Tier 1 risk-based capital ratio | 10.8397% | 5,509 |
| Total risk-based capital ratio | 12.0922% | 5,426 |
| Memoranda: | ||
| Average total assets | $320,491,000 | 2,073 |
| Average earning assets | $293,882,670 | 2,093 |
| Average equity | $25,768,670 | 2,687 |
| Average total loans | $225,928,000 | 1,945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,476 |
| Cost of funding earning assets | 0.2081% | 5,124 |
| Net interest margin | 3.9911% | 1,636 |
| Noninterest income to average assets | 0.4301% | 3,614 |
| Noninterest expense to average assets | 2.5720% | 3,840 |
| Loan and lease loss provision to assets | 0.1129% | 1,851 |
| Net operating income to assets | 0.8189% | 3,155 |
| Return on assets (ROA) | 0.8189% | 3,281 |
| Pretax return on assets | 1.4246% | 1,827 |
| Return on Equity (ROE) | 10.2413% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,618 |
| Net charge-offs to loans | -0.0178% | 4,803 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5877% | 4,361 |
| Assets per employee ($millions) | 5.5293% | 1,804 |
| Cash dividends to net income (ytd only)* | 45.9418% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 2,014 |
| Loan loss allowance to noncurrent loans | 571.2352% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,527 |
| Noncurrent loans to loans | 0.2617% | 4,498 |
| Net loans and leases to total assets | 69.3739% | 2,446 |
| Net loans and leases to deposits | 75.7674% | 3,246 |
| Net loans and leases to core deposits | 80.1795% | 3,299 |
| Total domestic deposits to total assets | 91.5616% | 147 |
| Equity capital to assets | 8.0184% | 5,820 |
| Core capital (leverage) ratio | 8.1407% | 5,692 |
| Tier 1 risk-based capital ratio | 10.7315% | 5,650 |
| Total risk-based capital ratio | 11.9839% | 5,556 |
| Memoranda: | ||
| Average total assets | $318,967,500 | 2,090 |
| Average earning assets | $294,054,000 | 2,098 |
| Average equity | $25,504,500 | 2,704 |
| Average total loans | $224,562,500 | 1,957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,579 |
| Cost of funding earning assets | 0.2219% | 5,079 |
| Net interest margin | 3.9728% | 1,806 |
| Noninterest income to average assets | 0.4530% | 3,641 |
| Noninterest expense to average assets | 2.5153% | 4,181 |
| Loan and lease loss provision to assets | 0.1351% | 1,766 |
| Net operating income to assets | 0.8998% | 2,868 |
| Return on assets (ROA) | 0.8998% | 2,947 |
| Pretax return on assets | 1.4478% | 1,729 |
| Return on Equity (ROE) | 10.1772% | 1,946 |
| Retained earnings to average equity (ytd only) | -5.1016% | 5,920 |
| Net charge-offs to loans | 0.0625% | 2,978 |
| Credit loss provision to net charge-offs | 308.2707% | 961 |
| Earnings coverage of net charge-offs (x) | 36.1203% | 1,276 |
| Efficiency ratio | 61.3764% | 4,705 |
| Assets per employee ($millions) | 5.5655% | 1,727 |
| Cash dividends to net income (ytd only)* | 150.1282% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 2,144 |
| Loan loss allowance to noncurrent loans | 361.5894% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 4,297 |
| Noncurrent loans to loans | 0.4058% | 4,002 |
| Net loans and leases to total assets | 69.3464% | 2,479 |
| Net loans and leases to deposits | 75.7881% | 3,281 |
| Net loans and leases to core deposits | 81.3293% | 3,216 |
| Total domestic deposits to total assets | 91.5003% | 176 |
| Equity capital to assets | 7.9733% | 5,859 |
| Core capital (leverage) ratio | 7.7888% | 5,914 |
| Tier 1 risk-based capital ratio | 10.5849% | 5,739 |
| Total risk-based capital ratio | 11.8366% | 5,661 |
| Memoranda: | ||
| Average total assets | $303,500,600 | 2,130 |
| Average earning assets | $278,465,200 | 2,149 |
| Average equity | $26,834,600 | 2,563 |
| Average total loans | $212,956,600 | 1,971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,589 |
| Cost of funding earning assets | 0.2231% | 5,153 |
| Net interest margin | 3.9721% | 1,795 |
| Noninterest income to average assets | 0.4554% | 3,675 |
| Noninterest expense to average assets | 2.5416% | 4,076 |
| Loan and lease loss provision to assets | 0.1466% | 1,487 |
| Net operating income to assets | 0.8824% | 3,027 |
| Return on assets (ROA) | 0.8824% | 3,111 |
| Pretax return on assets | 1.4063% | 1,989 |
| Return on Equity (ROE) | 9.7280% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.3195% | 2,705 |
| Net charge-offs to loans | 0.0786% | 2,424 |
| Credit loss provision to net charge-offs | 266.1290% | 1,086 |
| Earnings coverage of net charge-offs (x) | 28.1853% | 1,549 |
| Efficiency ratio | 62.0727% | 4,559 |
| Assets per employee ($millions) | 5.6537% | 1,630 |
| Cash dividends to net income (ytd only)* | 45.3173% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 2,260 |
| Loan loss allowance to noncurrent loans | 313.6008% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 3,992 |
| Noncurrent loans to loans | 0.4703% | 3,947 |
| Net loans and leases to total assets | 66.4444% | 2,942 |
| Net loans and leases to deposits | 73.0979% | 3,638 |
| Net loans and leases to core deposits | 80.2071% | 3,410 |
| Total domestic deposits to total assets | 90.8978% | 273 |
| Equity capital to assets | 8.6349% | 5,617 |
| Core capital (leverage) ratio | 8.7856% | 5,246 |
| Tier 1 risk-based capital ratio | 11.7309% | 5,249 |
| Total risk-based capital ratio | 12.9823% | 5,165 |
| Memoranda: | ||
| Average total assets | $300,067,000 | 2,163 |
| Average earning assets | $274,913,000 | 2,182 |
| Average equity | $27,219,750 | 2,541 |
| Average total loans | $210,379,000 | 2,002 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 2,370 |
| Cost of funding earning assets | 0.2208% | 5,245 |
| Net interest margin | 4.0244% | 1,571 |
| Noninterest income to average assets | 0.4244% | 3,893 |
| Noninterest expense to average assets | 2.6351% | 3,795 |
| Loan and lease loss provision to assets | 0.1435% | 1,517 |
| Net operating income to assets | 0.8508% | 3,125 |
| Return on assets (ROA) | 0.8508% | 3,226 |
| Pretax return on assets | 1.3326% | 2,234 |
| Return on Equity (ROE) | 9.2163% | 2,427 |
| Retained earnings to average equity (ytd only) | 4.7747% | 3,008 |
| Net charge-offs to loans | 0.1115% | 1,887 |
| Credit loss provision to net charge-offs | 181.0345% | 1,338 |
| Earnings coverage of net charge-offs (x) | 18.6207% | 1,798 |
| Efficiency ratio | 64.0957% | 4,343 |
| Assets per employee ($millions) | 5.3385% | 1,891 |
| Cash dividends to net income (ytd only)* | 48.1928% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 2,484 |
| Loan loss allowance to noncurrent loans | 257.1072% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,320 |
| Noncurrent loans to loans | 0.5659% | 3,756 |
| Net loans and leases to total assets | 68.8448% | 2,510 |
| Net loans and leases to deposits | 76.0095% | 3,270 |
| Net loans and leases to core deposits | 82.9514% | 3,088 |
| Total domestic deposits to total assets | 90.5740% | 424 |
| Equity capital to assets | 8.9751% | 5,257 |
| Core capital (leverage) ratio | 9.1655% | 4,738 |
| Tier 1 risk-based capital ratio | 12.0022% | 5,151 |
| Total risk-based capital ratio | 13.2535% | 5,044 |
| Memoranda: | ||
| Average total assets | $292,668,670 | 2,219 |
| Average earning assets | $268,115,330 | 2,248 |
| Average equity | $27,017,330 | 2,567 |
| Average total loans | $208,062,000 | 2,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,299 |
| Cost of funding earning assets | 0.2187% | 5,330 |
| Net interest margin | 4.0256% | 1,474 |
| Noninterest income to average assets | 0.3960% | 4,036 |
| Noninterest expense to average assets | 2.7833% | 3,306 |
| Loan and lease loss provision to assets | 0.1255% | 1,653 |
| Net operating income to assets | 0.7934% | 3,302 |
| Return on assets (ROA) | 0.7934% | 3,431 |
| Pretax return on assets | 1.1839% | 2,732 |
| Return on Equity (ROE) | 8.4703% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.0044% | 3,600 |
| Net charge-offs to loans | 0.2468% | 968 |
| Credit loss provision to net charge-offs | 70.8661% | 1,908 |
| Earnings coverage of net charge-offs (x) | 7.3937% | 2,174 |
| Efficiency ratio | 68.0068% | 3,824 |
| Assets per employee ($millions) | 5.5368% | 1,768 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,771 |
| Loan loss allowance to noncurrent loans | 263.5231% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 4,487 |
| Noncurrent loans to loans | 0.5441% | 3,954 |
| Net loans and leases to total assets | 69.3897% | 2,220 |
| Net loans and leases to deposits | 76.7827% | 2,960 |
| Net loans and leases to core deposits | 83.8687% | 2,787 |
| Total domestic deposits to total assets | 90.3714% | 575 |
| Equity capital to assets | 9.2217% | 5,058 |
| Core capital (leverage) ratio | 9.4561% | 4,343 |
| Tier 1 risk-based capital ratio | 12.2338% | 5,085 |
| Total risk-based capital ratio | 13.4848% | 4,997 |
| Memoranda: | ||
| Average total assets | $286,855,000 | 2,273 |
| Average earning assets | $263,414,000 | 2,290 |
| Average equity | $26,870,500 | 2,595 |
| Average total loans | $205,800,500 | 2,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,511 |
| Cost of funding earning assets | 0.2177% | 5,609 |
| Net interest margin | 4.1089% | 1,552 |
| Noninterest income to average assets | 0.4297% | 3,973 |
| Noninterest expense to average assets | 2.7222% | 3,781 |
| Loan and lease loss provision to assets | 0.1038% | 2,422 |
| Net operating income to assets | 0.9048% | 2,850 |
| Return on assets (ROA) | 0.9163% | 2,891 |
| Pretax return on assets | 1.4132% | 1,841 |
| Return on Equity (ROE) | 9.4975% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.1496% | 1,334 |
| Net charge-offs to loans | 0.0855% | 3,276 |
| Credit loss provision to net charge-offs | 169.7531% | 1,437 |
| Earnings coverage of net charge-offs (x) | 24.5123% | 1,529 |
| Efficiency ratio | 64.4844% | 4,508 |
| Assets per employee ($millions) | 5.3896% | 1,872 |
| Cash dividends to net income (ytd only)* | 24.7219% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 2,636 |
| Loan loss allowance to noncurrent loans | 255.6692% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 4,428 |
| Noncurrent loans to loans | 0.5722% | 3,951 |
| Net loans and leases to total assets | 72.0816% | 1,898 |
| Net loans and leases to deposits | 80.1753% | 2,692 |
| Net loans and leases to core deposits | 87.3488% | 2,575 |
| Total domestic deposits to total assets | 89.9051% | 773 |
| Equity capital to assets | 9.5197% | 4,701 |
| Core capital (leverage) ratio | 9.4398% | 4,325 |
| Tier 1 risk-based capital ratio | 12.8513% | 4,822 |
| Total risk-based capital ratio | 14.1038% | 4,735 |
| Memoranda: | ||
| Average total assets | $264,863,400 | 2,388 |
| Average earning assets | $244,419,600 | 2,393 |
| Average equity | $25,554,000 | 2,607 |
| Average total loans | $189,421,200 | 2,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,596 |
| Cost of funding earning assets | 0.2177% | 5,686 |
| Net interest margin | 4.0906% | 1,603 |
| Noninterest income to average assets | 0.4373% | 3,973 |
| Noninterest expense to average assets | 2.6716% | 3,938 |
| Loan and lease loss provision to assets | 0.1277% | 1,961 |
| Net operating income to assets | 0.9327% | 2,766 |
| Return on assets (ROA) | 0.9486% | 2,783 |
| Pretax return on assets | 1.4431% | 1,834 |
| Return on Equity (ROE) | 9.7970% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.6316% | 2,024 |
| Net charge-offs to loans | 0.1186% | 2,622 |
| Credit loss provision to net charge-offs | 151.5152% | 1,567 |
| Earnings coverage of net charge-offs (x) | 18.3519% | 1,848 |
| Efficiency ratio | 63.3325% | 4,654 |
| Assets per employee ($millions) | 5.1649% | 2,057 |
| Cash dividends to net income (ytd only)* | 32.3102% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 2,786 |
| Loan loss allowance to noncurrent loans | 216.3875% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 4,120 |
| Noncurrent loans to loans | 0.6873% | 3,889 |
| Net loans and leases to total assets | 71.8936% | 1,871 |
| Net loans and leases to deposits | 79.9266% | 2,701 |
| Net loans and leases to core deposits | 88.4610% | 2,376 |
| Total domestic deposits to total assets | 89.9495% | 752 |
| Equity capital to assets | 9.5310% | 4,757 |
| Core capital (leverage) ratio | 9.7219% | 4,045 |
| Tier 1 risk-based capital ratio | 12.9996% | 4,866 |
| Total risk-based capital ratio | 14.2513% | 4,790 |
| Memoranda: | ||
| Average total assets | $261,014,250 | 2,443 |
| Average earning assets | $241,265,250 | 2,430 |
| Average equity | $25,272,500 | 2,646 |
| Average total loans | $185,522,750 | 2,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,907 |
| Cost of funding earning assets | 0.2171% | 5,776 |
| Net interest margin | 3.9957% | 1,815 |
| Noninterest income to average assets | 0.4276% | 4,040 |
| Noninterest expense to average assets | 2.6708% | 3,973 |
| Loan and lease loss provision to assets | 0.1947% | 1,255 |
| Net operating income to assets | 0.8739% | 2,942 |
| Return on assets (ROA) | 0.8739% | 3,030 |
| Pretax return on assets | 1.2743% | 2,354 |
| Return on Equity (ROE) | 8.9760% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.5760% | 1,994 |
| Net charge-offs to loans | 0.2003% | 1,827 |
| Credit loss provision to net charge-offs | 138.1215% | 1,538 |
| Earnings coverage of net charge-offs (x) | 10.4199% | 2,250 |
| Efficiency ratio | 64.5155% | 4,611 |
| Assets per employee ($millions) | 4.8498% | 2,407 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 2,574 |
| Loan loss allowance to noncurrent loans | 268.1488% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 4,515 |
| Noncurrent loans to loans | 0.5862% | 4,267 |
| Net loans and leases to total assets | 70.6547% | 1,972 |
| Net loans and leases to deposits | 78.7666% | 2,700 |
| Net loans and leases to core deposits | 88.3940% | 2,274 |
| Total domestic deposits to total assets | 89.7014% | 966 |
| Equity capital to assets | 9.8068% | 4,342 |
| Core capital (leverage) ratio | 10.0285% | 3,572 |
| Tier 1 risk-based capital ratio | 13.7100% | 4,440 |
| Total risk-based capital ratio | 14.9645% | 4,387 |
| Memoranda: | ||
| Average total assets | $256,773,000 | 2,486 |
| Average earning assets | $238,554,330 | 2,460 |
| Average equity | $25,000,000 | 2,660 |
| Average total loans | $180,773,330 | 2,223 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 3,186 |
| Cost of funding earning assets | 0.2230% | 5,817 |
| Net interest margin | 3.9011% | 2,084 |
| Noninterest income to average assets | 0.3572% | 4,527 |
| Noninterest expense to average assets | 2.7378% | 3,806 |
| Loan and lease loss provision to assets | 0.1573% | 1,545 |
| Net operating income to assets | 0.8465% | 2,917 |
| Return on assets (ROA) | 0.8465% | 2,993 |
| Pretax return on assets | 1.0951% | 2,927 |
| Return on Equity (ROE) | 8.7272% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.8607% | 3,806 |
| Net charge-offs to loans | 0.3612% | 995 |
| Credit loss provision to net charge-offs | 62.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 4.9750% | 2,451 |
| Efficiency ratio | 68.6120% | 4,076 |
| Assets per employee ($millions) | 5.0997% | 2,129 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,801 |
| Loan loss allowance to noncurrent loans | 200.5678% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 4,007 |
| Noncurrent loans to loans | 0.7866% | 3,898 |
| Net loans and leases to total assets | 69.1365% | 2,040 |
| Net loans and leases to deposits | 77.0262% | 2,676 |
| Net loans and leases to core deposits | 86.8496% | 2,215 |
| Total domestic deposits to total assets | 89.7571% | 1,204 |
| Equity capital to assets | 9.7519% | 4,163 |
| Core capital (leverage) ratio | 9.8995% | 3,712 |
| Tier 1 risk-based capital ratio | 13.9549% | 4,361 |
| Total risk-based capital ratio | 15.2090% | 4,300 |
| Memoranda: | ||
| Average total assets | $254,215,000 | 2,513 |
| Average earning assets | $236,756,500 | 2,480 |
| Average equity | $24,658,500 | 2,675 |
| Average total loans | $177,164,000 | 2,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,983 |
| Cost of funding earning assets | 0.3095% | 5,521 |
| Net interest margin | 3.9841% | 1,995 |
| Noninterest income to average assets | 0.6153% | 2,996 |
| Noninterest expense to average assets | 2.6983% | 4,099 |
| Loan and lease loss provision to assets | 0.1717% | 2,139 |
| Net operating income to assets | 0.8627% | 2,959 |
| Return on assets (ROA) | 0.8666% | 3,020 |
| Pretax return on assets | 1.4120% | 1,744 |
| Return on Equity (ROE) | 8.8059% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,666 |
| Net charge-offs to loans | 0.1983% | 2,880 |
| Credit loss provision to net charge-offs | 129.5732% | 1,808 |
| Earnings coverage of net charge-offs (x) | 11.9055% | 2,187 |
| Efficiency ratio | 63.1047% | 5,041 |
| Assets per employee ($millions) | 5.0689% | 2,106 |
| Cash dividends to net income (ytd only)* | 59.2075% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 2,580 |
| Loan loss allowance to noncurrent loans | 196.7280% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 4,415 |
| Noncurrent loans to loans | 0.8373% | 3,886 |
| Net loans and leases to total assets | 67.9944% | 2,361 |
| Net loans and leases to deposits | 75.6693% | 3,002 |
| Net loans and leases to core deposits | 86.1385% | 2,431 |
| Total domestic deposits to total assets | 89.8573% | 1,153 |
| Equity capital to assets | 9.6475% | 4,222 |
| Core capital (leverage) ratio | 9.4550% | 4,330 |
| Tier 1 risk-based capital ratio | 13.6793% | 4,530 |
| Total risk-based capital ratio | 14.9341% | 4,477 |
| Memoranda: | ||
| Average total assets | $247,523,600 | 2,551 |
| Average earning assets | $227,427,800 | 2,543 |
| Average equity | $24,358,600 | 2,696 |
| Average total loans | $165,375,800 | 2,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,976 |
| Cost of funding earning assets | 0.3320% | 5,450 |
| Net interest margin | 3.9721% | 2,037 |
| Noninterest income to average assets | 0.6633% | 2,808 |
| Noninterest expense to average assets | 2.7095% | 3,985 |
| Loan and lease loss provision to assets | 0.1490% | 2,408 |
| Net operating income to assets | 0.8865% | 2,902 |
| Return on assets (ROA) | 0.8865% | 3,018 |
| Pretax return on assets | 1.4414% | 1,793 |
| Return on Equity (ROE) | 8.9634% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,797 |
| Net charge-offs to loans | 0.2283% | 2,438 |
| Credit loss provision to net charge-offs | 98.5663% | 2,419 |
| Earnings coverage of net charge-offs (x) | 10.5197% | 2,347 |
| Efficiency ratio | 63.0120% | 4,990 |
| Assets per employee ($millions) | 5.0202% | 2,139 |
| Cash dividends to net income (ytd only)* | 39.7313% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 2,718 |
| Loan loss allowance to noncurrent loans | 171.9136% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 4,286 |
| Noncurrent loans to loans | 0.9735% | 3,862 |
| Net loans and leases to total assets | 65.1877% | 2,769 |
| Net loans and leases to deposits | 72.6933% | 3,433 |
| Net loans and leases to core deposits | 82.4568% | 2,832 |
| Total domestic deposits to total assets | 89.6750% | 1,183 |
| Equity capital to assets | 9.8246% | 4,144 |
| Core capital (leverage) ratio | 9.7902% | 3,974 |
| Tier 1 risk-based capital ratio | 14.2459% | 4,255 |
| Total risk-based capital ratio | 15.5007% | 4,196 |
| Memoranda: | ||
| Average total assets | $246,043,750 | 2,583 |
| Average earning assets | $225,263,000 | 2,573 |
| Average equity | $24,335,500 | 2,726 |
| Average total loans | $162,916,500 | 2,393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,894 |
| Cost of funding earning assets | 0.3624% | 5,298 |
| Net interest margin | 3.9519% | 2,038 |
| Noninterest income to average assets | 0.6547% | 2,887 |
| Noninterest expense to average assets | 2.9527% | 3,153 |
| Loan and lease loss provision to assets | 0.0614% | 3,784 |
| Net operating income to assets | 0.7717% | 3,456 |
| Return on assets (ROA) | 0.7717% | 3,610 |
| Pretax return on assets | 1.2374% | 2,532 |
| Return on Equity (ROE) | 7.7847% | 3,199 |
| Retained earnings to average equity (ytd only) | 2.4188% | 4,761 |
| Net charge-offs to loans | 0.1991% | 2,569 |
| Credit loss provision to net charge-offs | 46.5839% | 3,282 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,226 |
| Efficiency ratio | 69.4514% | 3,932 |
| Assets per employee ($millions) | 5.2618% | 1,834 |
| Cash dividends to net income (ytd only)* | 68.9290% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 3,043 |
| Loan loss allowance to noncurrent loans | 162.5376% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 3,512 |
| Noncurrent loans to loans | 1.0033% | 3,929 |
| Net loans and leases to total assets | 65.9305% | 2,613 |
| Net loans and leases to deposits | 73.3643% | 3,245 |
| Net loans and leases to core deposits | 84.3948% | 2,506 |
| Total domestic deposits to total assets | 89.8672% | 1,103 |
| Equity capital to assets | 9.6819% | 4,335 |
| Core capital (leverage) ratio | 9.8054% | 3,784 |
| Tier 1 risk-based capital ratio | 14.2003% | 4,291 |
| Total risk-based capital ratio | 15.4554% | 4,249 |
| Memoranda: | ||
| Average total assets | $244,387,670 | 2,610 |
| Average earning assets | $222,425,670 | 2,614 |
| Average equity | $24,227,000 | 2,745 |
| Average total loans | $161,750,670 | 2,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 3,004 |
| Cost of funding earning assets | 0.4038% | 5,066 |
| Net interest margin | 3.8722% | 2,211 |
| Noninterest income to average assets | 0.6734% | 2,733 |
| Noninterest expense to average assets | 2.9342% | 3,213 |
| Loan and lease loss provision to assets | 0.0823% | 3,279 |
| Net operating income to assets | 0.7261% | 3,559 |
| Return on assets (ROA) | 0.7261% | 3,695 |
| Pretax return on assets | 1.1460% | 2,785 |
| Return on Equity (ROE) | 7.2389% | 3,357 |
| Retained earnings to average equity (ytd only) | 1.4937% | 5,241 |
| Net charge-offs to loans | 0.0501% | 3,326 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 37.3000% | 837 |
| Efficiency ratio | 70.4905% | 3,894 |
| Assets per employee ($millions) | 5.0900% | 2,110 |
| Cash dividends to net income (ytd only)* | 79.3651% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 2,795 |
| Loan loss allowance to noncurrent loans | 106.0572% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 3,316 |
| Noncurrent loans to loans | 1.6531% | 3,063 |
| Net loans and leases to total assets | 64.6581% | 2,592 |
| Net loans and leases to deposits | 72.1452% | 3,168 |
| Net loans and leases to core deposits | 83.2821% | 2,425 |
| Total domestic deposits to total assets | 89.6222% | 1,281 |
| Equity capital to assets | 9.9759% | 4,177 |
| Core capital (leverage) ratio | 9.8016% | 3,660 |
| Tier 1 risk-based capital ratio | 14.4835% | 4,191 |
| Total risk-based capital ratio | 15.6653% | 4,201 |
| Memoranda: | ||
| Average total assets | $242,928,500 | 2,651 |
| Average earning assets | $218,893,500 | 2,678 |
| Average equity | $24,368,500 | 2,769 |
| Average total loans | $159,749,500 | 2,452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 3,258 |
| Cost of funding earning assets | 0.5229% | 5,046 |
| Net interest margin | 4.0127% | 2,349 |
| Noninterest income to average assets | 0.5296% | 3,714 |
| Noninterest expense to average assets | 2.5754% | 4,840 |
| Loan and lease loss provision to assets | 0.4123% | 1,556 |
| Net operating income to assets | 0.6456% | 4,015 |
| Return on assets (ROA) | 0.6456% | 4,274 |
| Pretax return on assets | 1.0588% | 3,327 |
| Return on Equity (ROE) | 6.5044% | 3,911 |
| Retained earnings to average equity (ytd only) | 3.7907% | 3,543 |
| Net charge-offs to loans | 0.8002% | 1,461 |
| Credit loss provision to net charge-offs | 81.0261% | 3,792 |
| Earnings coverage of net charge-offs (x) | 2.8909% | 3,982 |
| Efficiency ratio | 63.6457% | 4,949 |
| Assets per employee ($millions) | 5.1391% | 2,053 |
| Cash dividends to net income (ytd only)* | 41.7202% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,732 |
| Loan loss allowance to noncurrent loans | 96.3718% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 3,378 |
| Noncurrent loans to loans | 1.8235% | 2,883 |
| Net loans and leases to total assets | 64.5526% | 2,803 |
| Net loans and leases to deposits | 72.4783% | 3,329 |
| Net loans and leases to core deposits | 83.7127% | 2,578 |
| Total domestic deposits to total assets | 89.0647% | 1,519 |
| Equity capital to assets | 10.0870% | 4,051 |
| Core capital (leverage) ratio | 9.6590% | 3,877 |
| Tier 1 risk-based capital ratio | 14.7009% | 3,895 |
| Total risk-based capital ratio | 15.9495% | 3,852 |
| Memoranda: | ||
| Average total assets | $241,322,200 | 2,622 |
| Average earning assets | $211,502,000 | 2,717 |
| Average equity | $23,953,200 | 2,749 |
| Average total loans | $153,460,600 | 2,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 3,580 |
| Cost of funding earning assets | 0.5460% | 5,119 |
| Net interest margin | 3.9678% | 2,636 |
| Noninterest income to average assets | 0.4543% | 4,259 |
| Noninterest expense to average assets | 2.5658% | 4,860 |
| Loan and lease loss provision to assets | 0.4670% | 1,327 |
| Net operating income to assets | 0.5648% | 4,548 |
| Return on assets (ROA) | 0.5648% | 4,818 |
| Pretax return on assets | 0.9035% | 4,084 |
| Return on Equity (ROE) | 5.7132% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.0361% | 4,051 |
| Net charge-offs to loans | 1.0340% | 1,018 |
| Credit loss provision to net charge-offs | 71.6102% | 3,864 |
| Earnings coverage of net charge-offs (x) | 2.1017% | 4,218 |
| Efficiency ratio | 65.1832% | 4,593 |
| Assets per employee ($millions) | 5.2424% | 1,889 |
| Cash dividends to net income (ytd only)* | 29.3543% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,087 |
| Loan loss allowance to noncurrent loans | 80.6907% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5025% | 3,337 |
| Noncurrent loans to loans | 2.1304% | 2,690 |
| Net loans and leases to total assets | 62.3488% | 3,326 |
| Net loans and leases to deposits | 69.4806% | 3,966 |
| Net loans and leases to core deposits | 80.8295% | 3,103 |
| Total domestic deposits to total assets | 89.7355% | 977 |
| Equity capital to assets | 9.8461% | 4,717 |
| Core capital (leverage) ratio | 9.5829% | 4,140 |
| Tier 1 risk-based capital ratio | 14.8262% | 3,960 |
| Total risk-based capital ratio | 16.0821% | 3,916 |
| Memoranda: | ||
| Average total assets | $241,268,250 | 2,638 |
| Average earning assets | $211,730,500 | 2,739 |
| Average equity | $23,850,500 | 2,792 |
| Average total loans | $152,148,750 | 2,573 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 3,424 |
| Cost of funding earning assets | 0.5778% | 5,089 |
| Net interest margin | 4.0093% | 2,463 |
| Noninterest income to average assets | 0.4183% | 4,519 |
| Noninterest expense to average assets | 2.6089% | 4,745 |
| Loan and lease loss provision to assets | 0.4967% | 1,282 |
| Net operating income to assets | 0.5159% | 4,741 |
| Return on assets (ROA) | 0.5159% | 5,008 |
| Pretax return on assets | 0.8290% | 4,364 |
| Return on Equity (ROE) | 5.2121% | 4,698 |
| Retained earnings to average equity (ytd only) | 5.2121% | 3,149 |
| Net charge-offs to loans | 1.3836% | 741 |
| Credit loss provision to net charge-offs | 57.0470% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.5225% | 4,231 |
| Efficiency ratio | 66.3060% | 4,483 |
| Assets per employee ($millions) | 5.1172% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 3,308 |
| Loan loss allowance to noncurrent loans | 84.2778% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 3,509 |
| Noncurrent loans to loans | 1.9946% | 2,952 |
| Net loans and leases to total assets | 62.5708% | 3,320 |
| Net loans and leases to deposits | 69.8011% | 3,926 |
| Net loans and leases to core deposits | 83.2452% | 2,792 |
| Total domestic deposits to total assets | 89.6416% | 1,133 |
| Equity capital to assets | 10.0046% | 4,332 |
| Core capital (leverage) ratio | 9.9617% | 3,469 |
| Tier 1 risk-based capital ratio | 15.0283% | 3,756 |
| Total risk-based capital ratio | 16.2830% | 3,706 |
| Memoranda: | ||
| Average total assets | $239,560,000 | 2,664 |
| Average earning assets | $210,111,330 | 2,759 |
| Average equity | $23,714,000 | 2,791 |
| Average total loans | $150,761,670 | 2,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 3,876 |
| Cost of funding earning assets | 0.6099% | 5,054 |
| Net interest margin | 3.8993% | 2,926 |
| Noninterest income to average assets | 0.3915% | 4,731 |
| Noninterest expense to average assets | 2.6719% | 4,537 |
| Loan and lease loss provision to assets | 0.0837% | 4,338 |
| Net operating income to assets | 0.5956% | 4,363 |
| Return on assets (ROA) | 0.5956% | 4,580 |
| Pretax return on assets | 1.0590% | 3,471 |
| Return on Equity (ROE) | 6.0493% | 4,265 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,930 |
| Net charge-offs to loans | 0.0775% | 3,722 |
| Credit loss provision to net charge-offs | 172.4138% | 1,480 |
| Earnings coverage of net charge-offs (x) | 23.5517% | 1,091 |
| Efficiency ratio | 70.0439% | 3,799 |
| Assets per employee ($millions) | 4.9306% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 2,337 |
| Loan loss allowance to noncurrent loans | 95.4218% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 3,511 |
| Noncurrent loans to loans | 2.1006% | 3,031 |
| Net loans and leases to total assets | 62.8594% | 3,080 |
| Net loans and leases to deposits | 70.1597% | 3,717 |
| Net loans and leases to core deposits | 83.9279% | 2,555 |
| Total domestic deposits to total assets | 89.5947% | 1,308 |
| Equity capital to assets | 10.0098% | 4,115 |
| Core capital (leverage) ratio | 9.7689% | 3,685 |
| Tier 1 risk-based capital ratio | 15.0377% | 3,739 |
| Total risk-based capital ratio | 16.2984% | 3,683 |
| Memoranda: | ||
| Average total assets | $239,085,000 | 2,680 |
| Average earning assets | $209,882,500 | 2,777 |
| Average equity | $23,540,000 | 2,801 |
| Average total loans | $149,611,500 | 2,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 4,216 |
| Cost of funding earning assets | 0.8105% | 4,788 |
| Net interest margin | 3.8959% | 3,355 |
| Noninterest income to average assets | 0.4632% | 4,108 |
| Noninterest expense to average assets | 2.5543% | 5,267 |
| Loan and lease loss provision to assets | 0.1313% | 4,969 |
| Net operating income to assets | 0.7767% | 3,148 |
| Return on assets (ROA) | 0.7767% | 3,312 |
| Pretax return on assets | 1.2229% | 2,379 |
| Return on Equity (ROE) | 8.9059% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.9059% | 833 |
| Net charge-offs to loans | 0.0317% | 6,007 |
| Credit loss provision to net charge-offs | 652.1739% | 345 |
| Earnings coverage of net charge-offs (x) | 67.2391% | 443 |
| Efficiency ratio | 65.3523% | 4,891 |
| Assets per employee ($millions) | 5.4887% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 2,129 |
| Loan loss allowance to noncurrent loans | 356.3679% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 5,553 |
| Noncurrent loans to loans | 0.5753% | 5,562 |
| Net loans and leases to total assets | 59.7883% | 4,028 |
| Net loans and leases to deposits | 66.5726% | 4,655 |
| Net loans and leases to core deposits | 81.4635% | 3,252 |
| Total domestic deposits to total assets | 89.8092% | 1,094 |
| Equity capital to assets | 9.6852% | 4,622 |
| Core capital (leverage) ratio | 9.5180% | 3,996 |
| Tier 1 risk-based capital ratio | 15.1103% | 3,574 |
| Total risk-based capital ratio | 16.3710% | 3,533 |
| Memoranda: | ||
| Average total assets | $228,398,200 | 2,744 |
| Average earning assets | $201,981,000 | 2,826 |
| Average equity | $19,919,400 | 3,165 |
| Average total loans | $145,246,200 | 2,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 4,451 |
| Cost of funding earning assets | 0.8372% | 4,879 |
| Net interest margin | 3.8655% | 3,544 |
| Noninterest income to average assets | 0.4928% | 3,925 |
| Noninterest expense to average assets | 2.5585% | 5,240 |
| Loan and lease loss provision to assets | 0.1777% | 4,258 |
| Net operating income to assets | 0.6918% | 3,667 |
| Return on assets (ROA) | 0.6918% | 3,831 |
| Pretax return on assets | 1.1804% | 2,690 |
| Return on Equity (ROE) | 8.1740% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.1740% | 1,439 |
| Net charge-offs to loans | 0.0479% | 5,510 |
| Credit loss provision to net charge-offs | 576.9231% | 473 |
| Earnings coverage of net charge-offs (x) | 44.0972% | 721 |
| Efficiency ratio | 65.3259% | 4,840 |
| Assets per employee ($millions) | 5.7156% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 2,189 |
| Loan loss allowance to noncurrent loans | 225.5797% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 5,664 |
| Noncurrent loans to loans | 0.9111% | 5,045 |
| Net loans and leases to total assets | 59.8724% | 4,151 |
| Net loans and leases to deposits | 66.5725% | 4,817 |
| Net loans and leases to core deposits | 80.8255% | 3,509 |
| Total domestic deposits to total assets | 89.9357% | 901 |
| Equity capital to assets | 9.4952% | 5,099 |
| Core capital (leverage) ratio | 9.7147% | 3,824 |
| Tier 1 risk-based capital ratio | 14.7083% | 3,830 |
| Total risk-based capital ratio | 15.9681% | 3,802 |
| Memoranda: | ||
| Average total assets | $225,122,250 | 2,789 |
| Average earning assets | $199,401,000 | 2,869 |
| Average equity | $19,051,750 | 3,280 |
| Average total loans | $144,704,750 | 2,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 4,316 |
| Cost of funding earning assets | 0.8685% | 4,919 |
| Net interest margin | 3.8786% | 3,401 |
| Noninterest income to average assets | 0.5587% | 3,412 |
| Noninterest expense to average assets | 2.6982% | 4,830 |
| Loan and lease loss provision to assets | 0.1363% | 4,605 |
| Net operating income to assets | 0.7259% | 3,408 |
| Return on assets (ROA) | 0.7259% | 3,530 |
| Pretax return on assets | 1.1729% | 2,585 |
| Return on Equity (ROE) | 8.9753% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.9753% | 1,114 |
| Net charge-offs to loans | 0.0486% | 5,171 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 41.1714% | 729 |
| Efficiency ratio | 67.3317% | 4,640 |
| Assets per employee ($millions) | 5.5377% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 2,316 |
| Loan loss allowance to noncurrent loans | 195.7230% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 5,609 |
| Noncurrent loans to loans | 1.0318% | 4,935 |
| Net loans and leases to total assets | 61.6067% | 3,969 |
| Net loans and leases to deposits | 67.3463% | 4,807 |
| Net loans and leases to core deposits | 79.5979% | 3,848 |
| Total domestic deposits to total assets | 91.4775% | 346 |
| Equity capital to assets | 8.0799% | 6,619 |
| Core capital (leverage) ratio | 8.1474% | 6,104 |
| Tier 1 risk-based capital ratio | 12.1762% | 5,637 |
| Total risk-based capital ratio | 13.4294% | 5,614 |
| Memoranda: | ||
| Average total assets | $220,144,000 | 2,862 |
| Average earning assets | $195,742,000 | 2,927 |
| Average equity | $17,804,330 | 3,453 |
| Average total loans | $144,025,000 | 2,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 4,351 |
| Cost of funding earning assets | 0.8730% | 5,108 |
| Net interest margin | 3.8626% | 3,329 |
| Noninterest income to average assets | 0.6276% | 2,985 |
| Noninterest expense to average assets | 2.8686% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8270% | 2,895 |
| Return on assets (ROA) | 0.8270% | 2,959 |
| Pretax return on assets | 1.2220% | 2,304 |
| Return on Equity (ROE) | 10.2201% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.2201% | 1,077 |
| Net charge-offs to loans | 0.1134% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.1463% | 1,279 |
| Efficiency ratio | 70.1264% | 4,237 |
| Assets per employee ($millions) | 4.9991% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,772 |
| Loan loss allowance to noncurrent loans | 285.5497% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 6,125 |
| Noncurrent loans to loans | 0.6570% | 5,717 |
| Net loans and leases to total assets | 64.8403% | 3,279 |
| Net loans and leases to deposits | 70.8139% | 4,221 |
| Net loans and leases to core deposits | 83.3369% | 3,253 |
| Total domestic deposits to total assets | 91.5643% | 399 |
| Equity capital to assets | 8.0811% | 6,407 |
| Core capital (leverage) ratio | 8.1771% | 5,999 |
| Tier 1 risk-based capital ratio | 11.7228% | 5,919 |
| Total risk-based capital ratio | 12.9724% | 5,923 |
| Memoranda: | ||
| Average total assets | $216,693,500 | 2,914 |
| Average earning assets | $194,274,500 | 2,954 |
| Average equity | $17,534,000 | 3,482 |
| Average total loans | $144,658,500 | 2,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 3,768 |
| Cost of funding earning assets | 0.9715% | 5,831 |
| Net interest margin | 4.1949% | 2,207 |
| Noninterest income to average assets | 0.4584% | 4,453 |
| Noninterest expense to average assets | 2.6074% | 5,385 |
| Loan and lease loss provision to assets | 0.2183% | 5,080 |
| Net operating income to assets | 1.1291% | 1,613 |
| Return on assets (ROA) | 1.1291% | 1,691 |
| Pretax return on assets | 1.3726% | 1,731 |
| Return on Equity (ROE) | 13.9442% | 890 |
| Retained earnings to average equity (ytd only) | 13.0252% | 209 |
| Net charge-offs to loans | 0.0999% | 5,864 |
| Credit loss provision to net charge-offs | 314.2857% | 835 |
| Earnings coverage of net charge-offs (x) | 22.9071% | 923 |
| Efficiency ratio | 62.1056% | 5,714 |
| Assets per employee ($millions) | 5.0816% | 2,040 |
| Cash dividends to net income (ytd only)* | 6.5905% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,490 |
| Loan loss allowance to noncurrent loans | 426.5023% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,481 |
| Noncurrent loans to loans | 0.4508% | 6,142 |
| Net loans and leases to total assets | 66.1581% | 3,437 |
| Net loans and leases to deposits | 72.6610% | 4,404 |
| Net loans and leases to core deposits | 85.9895% | 3,316 |
| Total domestic deposits to total assets | 91.0504% | 579 |
| Equity capital to assets | 8.1025% | 6,382 |
| Core capital (leverage) ratio | 8.0845% | 6,053 |
| Tier 1 risk-based capital ratio | 11.6297% | 5,790 |
| Total risk-based capital ratio | 12.8713% | 5,805 |
| Memoranda: | ||
| Average total assets | $201,583,800 | 3,081 |
| Average earning assets | $179,719,600 | 3,126 |
| Average equity | $16,322,200 | 3,701 |
| Average total loans | $140,193,200 | 2,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 3,701 |
| Cost of funding earning assets | 0.9987% | 5,941 |
| Net interest margin | 4.2271% | 2,116 |
| Noninterest income to average assets | 0.4182% | 4,811 |
| Noninterest expense to average assets | 2.6153% | 5,263 |
| Loan and lease loss provision to assets | 0.1947% | 5,094 |
| Net operating income to assets | 1.3459% | 1,233 |
| Return on assets (ROA) | 1.3459% | 1,313 |
| Pretax return on assets | 1.3472% | 2,039 |
| Return on Equity (ROE) | 16.6253% | 635 |
| Retained earnings to average equity (ytd only) | 15.3815% | 194 |
| Net charge-offs to loans | 0.0967% | 5,564 |
| Credit loss provision to net charge-offs | 287.1287% | 1,125 |
| Earnings coverage of net charge-offs (x) | 22.7431% | 1,081 |
| Efficiency ratio | 62.9097% | 5,449 |
| Assets per employee ($millions) | 5.3396% | 1,779 |
| Cash dividends to net income (ytd only)* | 7.4815% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,586 |
| Loan loss allowance to noncurrent loans | 401.9667% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 6,613 |
| Noncurrent loans to loans | 0.4642% | 6,263 |
| Net loans and leases to total assets | 65.4325% | 3,815 |
| Net loans and leases to deposits | 71.5331% | 4,902 |
| Net loans and leases to core deposits | 84.8535% | 3,829 |
| Total domestic deposits to total assets | 91.4717% | 319 |
| Equity capital to assets | 8.1805% | 6,632 |
| Core capital (leverage) ratio | 8.1829% | 6,070 |
| Tier 1 risk-based capital ratio | 11.5103% | 5,923 |
| Total risk-based capital ratio | 12.7615% | 5,911 |
| Memoranda: | ||
| Average total assets | $198,622,750 | 3,160 |
| Average earning assets | $175,688,750 | 3,219 |
| Average equity | $16,079,500 | 3,795 |
| Average total loans | $139,249,500 | 2,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 3,524 |
| Cost of funding earning assets | 1.0273% | 6,013 |
| Net interest margin | 4.2605% | 1,922 |
| Noninterest income to average assets | 0.4162% | 4,788 |
| Noninterest expense to average assets | 2.6483% | 5,133 |
| Loan and lease loss provision to assets | -0.1136% | 7,772 |
| Net operating income to assets | 1.6877% | 601 |
| Return on assets (ROA) | 1.6877% | 647 |
| Pretax return on assets | 1.6898% | 1,071 |
| Return on Equity (ROE) | 20.9282% | 261 |
| Retained earnings to average equity (ytd only) | 19.0070% | 103 |
| Net charge-offs to loans | 0.0695% | 5,446 |
| Credit loss provision to net charge-offs | -229.1667% | 6,738 |
| Earnings coverage of net charge-offs (x) | 31.7917% | 885 |
| Efficiency ratio | 62.6895% | 5,575 |
| Assets per employee ($millions) | 5.1523% | 1,982 |
| Cash dividends to net income (ytd only)* | 9.1799% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 3,197 |
| Loan loss allowance to noncurrent loans | 566.1765% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,892 |
| Noncurrent loans to loans | 0.2946% | 6,641 |
| Net loans and leases to total assets | 67.7751% | 3,432 |
| Net loans and leases to deposits | 74.1389% | 4,655 |
| Net loans and leases to core deposits | 85.8791% | 3,851 |
| Total domestic deposits to total assets | 91.4164% | 356 |
| Equity capital to assets | 8.2671% | 6,465 |
| Core capital (leverage) ratio | 8.3214% | 5,718 |
| Tier 1 risk-based capital ratio | 11.2455% | 6,004 |
| Total risk-based capital ratio | 12.4691% | 6,006 |
| Memoranda: | ||
| Average total assets | $193,636,330 | 3,252 |
| Average earning assets | $173,078,330 | 3,294 |
| Average equity | $15,615,330 | 3,868 |
| Average total loans | $138,196,330 | 3,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 4,025 |
| Cost of funding earning assets | 1.0451% | 6,149 |
| Net interest margin | 4.1532% | 2,211 |
| Noninterest income to average assets | 0.4042% | 4,886 |
| Noninterest expense to average assets | 2.6739% | 5,038 |
| Loan and lease loss provision to assets | 0.6316% | 2,010 |
| Net operating income to assets | 0.9264% | 2,447 |
| Return on assets (ROA) | 0.9264% | 2,510 |
| Pretax return on assets | 0.9306% | 3,344 |
| Return on Equity (ROE) | 11.6425% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.6425% | 807 |
| Net charge-offs to loans | -0.1536% | 7,619 |
| Credit loss provision to net charge-offs | -566.0377% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1213% | 5,639 |
| Assets per employee ($millions) | 5.2344% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 2,119 |
| Loan loss allowance to noncurrent loans | 647.0183% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 6,510 |
| Noncurrent loans to loans | 0.3127% | 6,689 |
| Net loans and leases to total assets | 70.5273% | 2,793 |
| Net loans and leases to deposits | 76.8041% | 4,259 |
| Net loans and leases to core deposits | 88.8849% | 3,514 |
| Total domestic deposits to total assets | 91.8275% | 280 |
| Equity capital to assets | 7.9391% | 6,721 |
| Core capital (leverage) ratio | 7.9033% | 6,379 |
| Tier 1 risk-based capital ratio | 10.5042% | 6,629 |
| Total risk-based capital ratio | 11.7571% | 6,616 |
| Memoranda: | ||
| Average total assets | $189,984,000 | 3,364 |
| Average earning assets | $175,288,500 | 3,318 |
| Average equity | $15,117,000 | 3,998 |
| Average total loans | $138,045,500 | 3,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 3,834 |
| Cost of funding earning assets | 1.3560% | 6,114 |
| Net interest margin | 4.2009% | 2,054 |
| Noninterest income to average assets | 0.5147% | 4,292 |
| Noninterest expense to average assets | 3.0224% | 4,064 |
| Loan and lease loss provision to assets | 0.8851% | 2,532 |
| Net operating income to assets | 0.4517% | 3,920 |
| Return on assets (ROA) | 0.4517% | 4,043 |
| Pretax return on assets | 0.4511% | 4,347 |
| Return on Equity (ROE) | 5.6596% | 3,351 |
| Retained earnings to average equity (ytd only) | 5.6596% | 1,489 |
| Net charge-offs to loans | 0.4674% | 3,909 |
| Credit loss provision to net charge-offs | 246.5190% | 1,442 |
| Earnings coverage of net charge-offs (x) | 3.7215% | 3,231 |
| Efficiency ratio | 69.3431% | 4,762 |
| Assets per employee ($millions) | 5.0350% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,524 |
| Loan loss allowance to noncurrent loans | 351.5670% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 6,070 |
| Noncurrent loans to loans | 0.5136% | 6,225 |
| Net loans and leases to total assets | 72.0415% | 2,746 |
| Net loans and leases to deposits | 78.5349% | 4,270 |
| Net loans and leases to core deposits | 88.4024% | 5,285 |
| Total domestic deposits to total assets | 91.7319% | 321 |
| Equity capital to assets | 7.9756% | 6,608 |
| Core capital (leverage) ratio | 7.6917% | 6,564 |
| Tier 1 risk-based capital ratio | 10.4566% | 6,444 |
| Total risk-based capital ratio | 11.7059% | 6,410 |
| Memoranda: | ||
| Average total assets | $176,020,800 | 3,504 |
| Average earning assets | $161,061,600 | 3,498 |
| Average equity | $14,047,000 | 4,239 |
| Average total loans | $135,206,400 | 3,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 3,879 |
| Cost of funding earning assets | 1.4305% | 6,122 |
| Net interest margin | 4.1666% | 2,163 |
| Noninterest income to average assets | 0.5473% | 4,105 |
| Noninterest expense to average assets | 3.1478% | 3,471 |
| Loan and lease loss provision to assets | 1.0823% | 1,801 |
| Net operating income to assets | 0.1176% | 5,414 |
| Return on assets (ROA) | 0.1176% | 5,472 |
| Pretax return on assets | 0.1168% | 5,491 |
| Return on Equity (ROE) | 1.4735% | 5,342 |
| Retained earnings to average equity (ytd only) | 1.4735% | 4,488 |
| Net charge-offs to loans | 0.6309% | 2,792 |
| Credit loss provision to net charge-offs | 220.6897% | 1,988 |
| Earnings coverage of net charge-offs (x) | 2.4451% | 4,011 |
| Efficiency ratio | 72.4138% | 4,170 |
| Assets per employee ($millions) | 5.1532% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 2,682 |
| Loan loss allowance to noncurrent loans | 313.2791% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 5,517 |
| Noncurrent loans to loans | 0.5383% | 6,231 |
| Net loans and leases to total assets | 70.6853% | 3,340 |
| Net loans and leases to deposits | 76.6599% | 4,946 |
| Net loans and leases to core deposits | 87.2940% | 5,721 |
| Total domestic deposits to total assets | 92.2064% | 148 |
| Equity capital to assets | 7.5083% | 7,288 |
| Core capital (leverage) ratio | 7.5983% | 6,863 |
| Tier 1 risk-based capital ratio | 9.8230% | 7,113 |
| Total risk-based capital ratio | 11.0729% | 7,085 |
| Memoranda: | ||
| Average total assets | $173,452,500 | 3,565 |
| Average earning assets | $158,174,500 | 3,574 |
| Average equity | $13,844,250 | 4,326 |
| Average total loans | $134,838,750 | 3,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6830% | 3,645 |
| Cost of funding earning assets | 1.5156% | 6,076 |
| Net interest margin | 4.1673% | 2,105 |
| Noninterest income to average assets | 0.5223% | 4,253 |
| Noninterest expense to average assets | 3.4249% | 2,553 |
| Loan and lease loss provision to assets | 1.2378% | 1,385 |
| Net operating income to assets | -0.3554% | 6,402 |
| Return on assets (ROA) | -0.3554% | 6,408 |
| Pretax return on assets | -0.3566% | 6,286 |
| Return on Equity (ROE) | -4.3545% | 6,527 |
| Retained earnings to average equity (ytd only) | -4.3545% | 6,196 |
| Net charge-offs to loans | 0.9054% | 1,890 |
| Credit loss provision to net charge-offs | 171.0049% | 2,692 |
| Earnings coverage of net charge-offs (x) | 1.2175% | 4,619 |
| Efficiency ratio | 79.5348% | 3,123 |
| Assets per employee ($millions) | 4.7651% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 3,576 |
| Loan loss allowance to noncurrent loans | 144.2251% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 4,190 |
| Noncurrent loans to loans | 0.9914% | 5,224 |
| Net loans and leases to total assets | 77.1479% | 1,921 |
| Net loans and leases to deposits | 83.9721% | 3,882 |
| Net loans and leases to core deposits | 97.0054% | 4,788 |
| Total domestic deposits to total assets | 91.8733% | 235 |
| Equity capital to assets | 7.8176% | 6,959 |
| Core capital (leverage) ratio | 7.8930% | 6,501 |
| Tier 1 risk-based capital ratio | 9.2992% | 7,537 |
| Total risk-based capital ratio | 10.5263% | 7,545 |
| Memoranda: | ||
| Average total assets | $167,713,670 | 3,681 |
| Average earning assets | $152,279,670 | 3,701 |
| Average equity | $13,687,000 | 4,373 |
| Average total loans | $134,089,330 | 3,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 3,596 |
| Cost of funding earning assets | 1.6311% | 5,900 |
| Net interest margin | 4.1074% | 2,244 |
| Noninterest income to average assets | 0.5287% | 4,070 |
| Noninterest expense to average assets | 2.9128% | 4,118 |
| Loan and lease loss provision to assets | 0.5875% | 2,140 |
| Net operating income to assets | 0.7637% | 3,284 |
| Return on assets (ROA) | 0.7637% | 3,459 |
| Pretax return on assets | 0.7637% | 4,213 |
| Return on Equity (ROE) | 9.1502% | 2,653 |
| Retained earnings to average equity (ytd only) | 9.1502% | 1,431 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3123% | 4,909 |
| Assets per employee ($millions) | 4.3436% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 3,954 |
| Loan loss allowance to noncurrent loans | 76.8103% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4056% | 3,839 |
| Noncurrent loans to loans | 1.7199% | 3,683 |
| Net loans and leases to total assets | 80.6471% | 1,266 |
| Net loans and leases to deposits | 88.2553% | 3,246 |
| Net loans and leases to core deposits | 99.6997% | 4,565 |
| Total domestic deposits to total assets | 91.3792% | 303 |
| Equity capital to assets | 8.3651% | 6,291 |
| Core capital (leverage) ratio | 8.3069% | 5,890 |
| Tier 1 risk-based capital ratio | 9.6871% | 7,269 |
| Total risk-based capital ratio | 10.9449% | 7,171 |
| Memoranda: | ||
| Average total assets | $163,416,500 | 3,771 |
| Average earning assets | $148,611,000 | 3,780 |
| Average equity | $13,639,000 | 4,413 |
| Average total loans | $132,138,500 | 3,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7252% | 1,937 |
| Cost of funding earning assets | 2.1128% | 5,987 |
| Net interest margin | 4.6124% | 1,144 |
| Noninterest income to average assets | 0.5183% | 4,482 |
| Noninterest expense to average assets | 3.2004% | 3,334 |
| Loan and lease loss provision to assets | 1.0533% | 1,383 |
| Net operating income to assets | 0.4470% | 4,961 |
| Return on assets (ROA) | 0.4470% | 4,785 |
| Pretax return on assets | 0.4470% | 5,127 |
| Return on Equity (ROE) | 5.2595% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.2595% | 1,879 |
| Net charge-offs to loans | 1.1323% | 1,072 |
| Credit loss provision to net charge-offs | 114.1559% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.6260% | 5,272 |
| Efficiency ratio | 68.0832% | 4,710 |
| Assets per employee ($millions) | 4.4938% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 4,603 |
| Loan loss allowance to noncurrent loans | 91.8951% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 4,228 |
| Noncurrent loans to loans | 1.2969% | 3,918 |
| Net loans and leases to total assets | 79.0225% | 1,885 |
| Net loans and leases to deposits | 86.4433% | 4,049 |
| Net loans and leases to core deposits | 98.7967% | 4,948 |
| Total domestic deposits to total assets | 91.4154% | 218 |
| Equity capital to assets | 8.3268% | 6,376 |
| Core capital (leverage) ratio | 8.7128% | 5,175 |
| Tier 1 risk-based capital ratio | 9.8236% | 6,928 |
| Total risk-based capital ratio | 11.0081% | 6,906 |
| Memoranda: | ||
| Average total assets | $143,171,600 | 4,020 |
| Average earning assets | $129,824,800 | 4,043 |
| Average equity | $12,168,400 | 4,788 |
| Average total loans | $116,662,000 | 3,530 |