Home > Regional Missouri Bank > Performance and Condition Ratios
Regional Missouri Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 1,537 |
| Cost of funding earning assets | 2.0802% | 1,708 |
| Net interest margin | 3.6927% | 1,897 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 2.1791% | 3,165 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.5998% | 907 |
| Return on assets (ROA) | 1.5998% | 899 |
| Pretax return on assets | 1.5998% | 1,304 |
| Return on Equity (ROE) | 16.2700% | 860 |
| Retained earnings to average equity (ytd only) | 8.7755% | 1,485 |
| Net charge-offs to loans | 0.0057% | 2,038 |
| Credit loss provision to net charge-offs | 200.0000% | 890 |
| Earnings coverage of net charge-offs (x) | 380.3333% | 249 |
| Efficiency ratio | 57.5363% | 3,229 |
| Assets per employee ($millions) | 6.1994% | 2,798 |
| Cash dividends to net income (ytd only)* | 46.0793% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,107 |
| Loan loss allowance to noncurrent loans | 1,101.5424% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,200 |
| Noncurrent loans to loans | 0.0926% | 3,199 |
| Net loans and leases to total assets | 72.8800% | 1,472 |
| Net loans and leases to deposits | 91.1868% | 991 |
| Net loans and leases to core deposits | 101.9930% | 1,253 |
| Total domestic deposits to total assets | 79.9200% | 3,608 |
| Equity capital to assets | 9.9483% | 2,249 |
| Core capital (leverage) ratio | 10.7010% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $567,561,500 | 1,627 |
| Average earning assets | $532,073,500 | 1,606 |
| Average equity | $55,792,000 | 1,633 |
| Average total loans | $420,493,500 | 1,501 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 1,409 |
| Cost of funding earning assets | 2.0662% | 2,059 |
| Net interest margin | 3.8525% | 1,421 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.2702% | 2,943 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.6720% | 691 |
| Return on assets (ROA) | 1.6726% | 684 |
| Pretax return on assets | 1.6726% | 1,016 |
| Return on Equity (ROE) | 16.8100% | 692 |
| Retained earnings to average equity (ytd only) | 8.5763% | 925 |
| Net charge-offs to loans | 0.0018% | 2,977 |
| Credit loss provision to net charge-offs | 5,657.1429% | 91 |
| Earnings coverage of net charge-offs (x) | 1,317.8571% | 91 |
| Efficiency ratio | 56.5064% | 3,507 |
| Assets per employee ($millions) | 5.5918% | 3,217 |
| Cash dividends to net income (ytd only)* | 48.9807% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,131 |
| Loan loss allowance to noncurrent loans | 1,389.2857% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,289 |
| Noncurrent loans to loans | 0.0732% | 3,279 |
| Net loans and leases to total assets | 73.7900% | 1,429 |
| Net loans and leases to deposits | 91.9129% | 1,039 |
| Net loans and leases to core deposits | 104.1126% | 1,226 |
| Total domestic deposits to total assets | 80.2900% | 3,525 |
| Equity capital to assets | 9.7108% | 2,301 |
| Core capital (leverage) ratio | 10.8453% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $527,928,800 | 1,709 |
| Average earning assets | $497,230,200 | 1,683 |
| Average equity | $52,528,200 | 1,670 |
| Average total loans | $399,348,200 | 1,523 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6926% | 1,730 |
| Cost of funding earning assets | 2.0418% | 2,108 |
| Net interest margin | 3.6508% | 1,737 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.2632% | 2,909 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.4669% | 981 |
| Return on assets (ROA) | 1.4669% | 979 |
| Pretax return on assets | 1.4669% | 1,367 |
| Return on Equity (ROE) | 14.6500% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.9348% | 1,764 |
| Net charge-offs to loans | 0.0007% | 2,810 |
| Credit loss provision to net charge-offs | 20,200.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 3,056.0000% | 29 |
| Efficiency ratio | 59.0266% | 3,256 |
| Assets per employee ($millions) | 5.8751% | 2,966 |
| Cash dividends to net income (ytd only)* | 52.6546% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,164 |
| Loan loss allowance to noncurrent loans | 1,285.0299% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,289 |
| Noncurrent loans to loans | 0.0791% | 3,287 |
| Net loans and leases to total assets | 78.1500% | 865 |
| Net loans and leases to deposits | 96.9293% | 656 |
| Net loans and leases to core deposits | 111.0084% | 896 |
| Total domestic deposits to total assets | 80.6200% | 3,372 |
| Equity capital to assets | 10.1698% | 2,180 |
| Core capital (leverage) ratio | 11.0343% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $518,717,500 | 1,720 |
| Average earning assets | $488,907,500 | 1,697 |
| Average equity | $51,949,250 | 1,667 |
| Average total loans | $393,924,000 | 1,531 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 1,726 |
| Cost of funding earning assets | 2.0262% | 2,060 |
| Net interest margin | 3.5985% | 1,792 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.3182% | 2,746 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.4113% | 1,058 |
| Return on assets (ROA) | 1.4125% | 1,062 |
| Pretax return on assets | 1.4125% | 1,453 |
| Return on Equity (ROE) | 14.1800% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.3236% | 1,894 |
| Net charge-offs to loans | -0.0052% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.4265% | 3,057 |
| Assets per employee ($millions) | 5.2564% | 3,401 |
| Cash dividends to net income (ytd only)* | 55.4054% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,153 |
| Loan loss allowance to noncurrent loans | 2,767.5862% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,528 |
| Noncurrent loans to loans | 0.0370% | 3,515 |
| Net loans and leases to total assets | 75.3100% | 1,258 |
| Net loans and leases to deposits | 87.7940% | 1,504 |
| Net loans and leases to core deposits | 100.4495% | 1,459 |
| Total domestic deposits to total assets | 85.7800% | 2,049 |
| Equity capital to assets | 9.9824% | 2,082 |
| Core capital (leverage) ratio | 11.1009% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $513,412,667 | 1,727 |
| Average earning assets | $484,262,667 | 1,705 |
| Average equity | $51,142,000 | 1,666 |
| Average total loans | $384,532,000 | 1,558 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5811% | 1,659 |
| Cost of funding earning assets | 2.0812% | 1,816 |
| Net interest margin | 3.4999% | 1,904 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.3123% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3556% | 1,135 |
| Return on assets (ROA) | 1.3579% | 1,145 |
| Pretax return on assets | 1.3579% | 1,520 |
| Return on Equity (ROE) | 13.6500% | 1,206 |
| Retained earnings to average equity (ytd only) | 5.7017% | 2,194 |
| Net charge-offs to loans | -0.0105% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.0426% | 2,912 |
| Assets per employee ($millions) | 5.4416% | 3,317 |
| Cash dividends to net income (ytd only)* | 58.2184% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,169 |
| Loan loss allowance to noncurrent loans | 928.5714% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,101 |
| Noncurrent loans to loans | 0.1104% | 3,062 |
| Net loans and leases to total assets | 72.8200% | 1,476 |
| Net loans and leases to deposits | 83.1136% | 1,789 |
| Net loans and leases to core deposits | 96.6614% | 1,609 |
| Total domestic deposits to total assets | 87.6100% | 1,569 |
| Equity capital to assets | 9.8964% | 2,070 |
| Core capital (leverage) ratio | 10.7799% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $512,555,500 | 1,728 |
| Average earning assets | $483,563,000 | 1,705 |
| Average equity | $51,002,000 | 1,666 |
| Average total loans | $380,816,000 | 1,568 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 1,841 |
| Cost of funding earning assets | 1.6610% | 1,540 |
| Net interest margin | 3.4476% | 2,305 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.2063% | 3,111 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4179% | 1,186 |
| Return on assets (ROA) | 1.4185% | 1,156 |
| Pretax return on assets | 1.4185% | 1,596 |
| Return on Equity (ROE) | 15.3300% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.3569% | 2,110 |
| Net charge-offs to loans | 0.0032% | 2,654 |
| Credit loss provision to net charge-offs | 1,683.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 630.7500% | 232 |
| Efficiency ratio | 60.2301% | 3,054 |
| Assets per employee ($millions) | 5.2387% | 3,442 |
| Cash dividends to net income (ytd only)* | 58.5346% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,208 |
| Loan loss allowance to noncurrent loans | 504.5396% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,510 |
| Noncurrent loans to loans | 0.2022% | 2,501 |
| Net loans and leases to total assets | 74.2700% | 1,319 |
| Net loans and leases to deposits | 84.9029% | 1,699 |
| Net loans and leases to core deposits | 99.6475% | 1,456 |
| Total domestic deposits to total assets | 87.4700% | 1,532 |
| Equity capital to assets | 10.0056% | 2,005 |
| Core capital (leverage) ratio | 10.9735% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $519,553,000 | 1,691 |
| Average earning assets | $490,174,000 | 1,664 |
| Average equity | $48,074,000 | 1,657 |
| Average total loans | $376,925,000 | 1,526 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 1,768 |
| Cost of funding earning assets | 1.5531% | 1,473 |
| Net interest margin | 3.4785% | 2,256 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.1572% | 3,195 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5130% | 1,093 |
| Return on assets (ROA) | 1.5137% | 1,087 |
| Pretax return on assets | 1.5137% | 1,528 |
| Return on Equity (ROE) | 16.6900% | 1,134 |
| Retained earnings to average equity (ytd only) | 8.0536% | 1,947 |
| Net charge-offs to loans | 0.0046% | 2,315 |
| Credit loss provision to net charge-offs | 700.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 326 |
| Efficiency ratio | 58.4065% | 3,154 |
| Assets per employee ($millions) | 5.0669% | 3,559 |
| Cash dividends to net income (ytd only)* | 51.7451% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,347 |
| Loan loss allowance to noncurrent loans | 485.6041% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 2,533 |
| Noncurrent loans to loans | 0.2065% | 2,529 |
| Net loans and leases to total assets | 75.1200% | 1,225 |
| Net loans and leases to deposits | 83.5744% | 1,774 |
| Net loans and leases to core deposits | 95.6383% | 1,573 |
| Total domestic deposits to total assets | 89.8800% | 973 |
| Equity capital to assets | 9.4485% | 2,129 |
| Core capital (leverage) ratio | 10.6513% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $522,402,000 | 1,680 |
| Average earning assets | $493,189,250 | 1,653 |
| Average equity | $47,381,500 | 1,662 |
| Average total loans | $375,833,250 | 1,532 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 1,929 |
| Cost of funding earning assets | 1.4354% | 1,367 |
| Net interest margin | 3.3937% | 2,537 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1310% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4696% | 1,168 |
| Return on assets (ROA) | 1.4700% | 1,152 |
| Pretax return on assets | 1.4700% | 1,651 |
| Return on Equity (ROE) | 16.4200% | 1,200 |
| Retained earnings to average equity (ytd only) | 7.6994% | 2,067 |
| Net charge-offs to loans | 0.0069% | 1,980 |
| Credit loss provision to net charge-offs | -23.0769% | 4,513 |
| Earnings coverage of net charge-offs (x) | 299.9231% | 450 |
| Efficiency ratio | 59.2027% | 3,054 |
| Assets per employee ($millions) | 5.2066% | 3,406 |
| Cash dividends to net income (ytd only)* | 53.1130% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,574 |
| Loan loss allowance to noncurrent loans | 470.7535% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,483 |
| Noncurrent loans to loans | 0.2039% | 2,448 |
| Net loans and leases to total assets | 73.7800% | 1,321 |
| Net loans and leases to deposits | 82.7962% | 1,776 |
| Net loans and leases to core deposits | 94.9370% | 1,528 |
| Total domestic deposits to total assets | 89.1200% | 1,211 |
| Equity capital to assets | 9.3515% | 2,264 |
| Core capital (leverage) ratio | 10.4721% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $531,018,333 | 1,665 |
| Average earning assets | $502,166,667 | 1,628 |
| Average equity | $47,536,333 | 1,660 |
| Average total loans | $375,520,333 | 1,521 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,809 |
| Cost of funding earning assets | 1.3978% | 1,026 |
| Net interest margin | 3.3165% | 2,839 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9970% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5033% | 1,183 |
| Return on assets (ROA) | 1.5033% | 1,156 |
| Pretax return on assets | 1.5033% | 1,666 |
| Return on Equity (ROE) | 17.1600% | 1,146 |
| Retained earnings to average equity (ytd only) | 8.0334% | 2,207 |
| Net charge-offs to loans | 0.0032% | 1,893 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 172 |
| Efficiency ratio | 57.0157% | 3,304 |
| Assets per employee ($millions) | 5.5462% | 3,174 |
| Cash dividends to net income (ytd only)* | 53.1852% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,548 |
| Loan loss allowance to noncurrent loans | 769.3750% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 2,906 |
| Noncurrent loans to loans | 0.1289% | 2,869 |
| Net loans and leases to total assets | 69.2600% | 1,695 |
| Net loans and leases to deposits | 77.4038% | 2,003 |
| Net loans and leases to core deposits | 87.0572% | 1,801 |
| Total domestic deposits to total assets | 89.4800% | 1,348 |
| Equity capital to assets | 9.0822% | 2,449 |
| Core capital (leverage) ratio | 9.7599% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $538,798,500 | 1,658 |
| Average earning assets | $509,930,500 | 1,621 |
| Average equity | $47,203,000 | 1,681 |
| Average total loans | $371,272,500 | 1,547 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 2,501 |
| Cost of funding earning assets | 0.5984% | 908 |
| Net interest margin | 3.1116% | 3,147 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.8949% | 3,837 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3809% | 1,174 |
| Return on assets (ROA) | 1.3720% | 1,166 |
| Pretax return on assets | 1.3720% | 1,858 |
| Return on Equity (ROE) | 16.5600% | 949 |
| Retained earnings to average equity (ytd only) | 7.5820% | 1,994 |
| Net charge-offs to loans | 0.0028% | 2,399 |
| Credit loss provision to net charge-offs | 4,920.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 823.0000% | 222 |
| Efficiency ratio | 56.3349% | 3,551 |
| Assets per employee ($millions) | 5.5629% | 3,156 |
| Cash dividends to net income (ytd only)* | 54.2274% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,353 |
| Loan loss allowance to noncurrent loans | 713.0518% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,877 |
| Noncurrent loans to loans | 0.1408% | 2,806 |
| Net loans and leases to total assets | 67.2000% | 1,910 |
| Net loans and leases to deposits | 74.5361% | 2,212 |
| Net loans and leases to core deposits | 83.8791% | 1,885 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 8.4468% | 2,740 |
| Core capital (leverage) ratio | 9.4469% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $560,341,600 | 1,585 |
| Average earning assets | $529,918,000 | 1,551 |
| Average equity | $46,412,600 | 1,720 |
| Average total loans | $360,648,400 | 1,512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 2,703 |
| Cost of funding earning assets | 0.4423% | 1,018 |
| Net interest margin | 3.0296% | 3,144 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8449% | 3,888 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3812% | 1,140 |
| Return on assets (ROA) | 1.3696% | 1,142 |
| Pretax return on assets | 1.3696% | 1,817 |
| Return on Equity (ROE) | 16.6100% | 873 |
| Retained earnings to average equity (ytd only) | 8.0479% | 1,983 |
| Net charge-offs to loans | 0.0004% | 2,335 |
| Credit loss provision to net charge-offs | 36,900.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 6,213.0000% | 14 |
| Efficiency ratio | 55.6816% | 3,652 |
| Assets per employee ($millions) | 5.3516% | 3,372 |
| Cash dividends to net income (ytd only)* | 51.5617% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 3,658 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,568 |
| Noncurrent loans to loans | 0.0479% | 3,536 |
| Net loans and leases to total assets | 70.9300% | 1,398 |
| Net loans and leases to deposits | 86.9608% | 1,106 |
| Net loans and leases to core deposits | 100.6352% | 788 |
| Total domestic deposits to total assets | 81.5600% | 3,897 |
| Equity capital to assets | 8.2692% | 2,709 |
| Core capital (leverage) ratio | 10.3831% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $564,136,500 | 1,583 |
| Average earning assets | $533,522,750 | 1,558 |
| Average equity | $46,503,500 | 1,735 |
| Average total loans | $358,289,500 | 1,513 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 2,803 |
| Cost of funding earning assets | 0.3537% | 1,229 |
| Net interest margin | 2.9252% | 3,100 |
| Noninterest income to average assets | 0.2795% | 3,494 |
| Noninterest expense to average assets | 1.7330% | 4,088 |
| Loan and lease loss provision to assets | 0.0852% | 1,162 |
| Net operating income to assets | 1.2342% | 1,317 |
| Return on assets (ROA) | 1.2283% | 1,320 |
| Pretax return on assets | 1.2283% | 1,969 |
| Return on Equity (ROE) | 14.9152% | 913 |
| Retained earnings to average equity (ytd only) | 6.5365% | 2,162 |
| Net charge-offs to loans | 0.0011% | 2,105 |
| Credit loss provision to net charge-offs | 12,300.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,904.5000% | 51 |
| Efficiency ratio | 56.7749% | 3,701 |
| Assets per employee ($millions) | 5.2550% | 3,470 |
| Cash dividends to net income (ytd only)* | 56.1760% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 3,818 |
| Loan loss allowance to noncurrent loans | 1,738.5000% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,579 |
| Noncurrent loans to loans | 0.0543% | 3,541 |
| Net loans and leases to total assets | 74.6459% | 846 |
| Net loans and leases to deposits | 87.6712% | 861 |
| Net loans and leases to core deposits | 93.4640% | 944 |
| Total domestic deposits to total assets | 85.1429% | 3,453 |
| Equity capital to assets | 9.1280% | 2,301 |
| Core capital (leverage) ratio | 9.2162% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,364,667 | 1,553 |
| Average earning assets | $547,321,667 | 1,530 |
| Average equity | $47,548,667 | 1,745 |
| Average total loans | $352,523,333 | 1,524 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9987% | 3,263 |
| Cost of funding earning assets | 0.3047% | 1,612 |
| Net interest margin | 2.6940% | 3,416 |
| Noninterest income to average assets | 0.2484% | 3,660 |
| Noninterest expense to average assets | 1.6137% | 4,273 |
| Loan and lease loss provision to assets | 0.0791% | 1,038 |
| Net operating income to assets | 1.1150% | 1,490 |
| Return on assets (ROA) | 1.1150% | 1,482 |
| Pretax return on assets | 1.1150% | 2,089 |
| Return on Equity (ROE) | 14.1417% | 809 |
| Retained earnings to average equity (ytd only) | 6.0141% | 2,249 |
| Net charge-offs to loans | -0.0012% | 3,029 |
| Credit loss provision to net charge-offs | -12,300.0000% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4702% | 3,738 |
| Assets per employee ($millions) | 8.1119% | 1,305 |
| Cash dividends to net income (ytd only)* | 57.4726% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,870 |
| Loan loss allowance to noncurrent loans | 1,590.5213% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,764 |
| Noncurrent loans to loans | 0.0605% | 3,553 |
| Net loans and leases to total assets | 46.2611% | 3,552 |
| Net loans and leases to deposits | 49.9245% | 3,735 |
| Net loans and leases to core deposits | 51.6464% | 3,759 |
| Total domestic deposits to total assets | 92.6622% | 361 |
| Equity capital to assets | 6.2886% | 4,500 |
| Core capital (leverage) ratio | 7.5549% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,688,500 | 1,456 |
| Average earning assets | $590,649,500 | 1,432 |
| Average equity | $49,018,000 | 1,763 |
| Average total loans | $344,643,000 | 1,534 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 1,148 |
| Cost of funding earning assets | 0.4369% | 1,276 |
| Net interest margin | 3.6697% | 1,290 |
| Noninterest income to average assets | 0.3619% | 3,263 |
| Noninterest expense to average assets | 1.9885% | 3,708 |
| Loan and lease loss provision to assets | 0.0774% | 1,578 |
| Net operating income to assets | 1.7429% | 578 |
| Return on assets (ROA) | 1.7265% | 620 |
| Pretax return on assets | 1.7265% | 1,079 |
| Return on Equity (ROE) | 16.5428% | 668 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,158 |
| Net charge-offs to loans | -0.0070% | 3,636 |
| Credit loss provision to net charge-offs | -1,690.9091% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0924% | 4,111 |
| Assets per employee ($millions) | 5.4030% | 3,352 |
| Cash dividends to net income (ytd only)* | 61.0221% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,940 |
| Loan loss allowance to noncurrent loans | 857.2944% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,419 |
| Noncurrent loans to loans | 0.1107% | 3,377 |
| Net loans and leases to total assets | 67.8870% | 1,280 |
| Net loans and leases to deposits | 77.0342% | 1,485 |
| Net loans and leases to core deposits | 81.6968% | 1,484 |
| Total domestic deposits to total assets | 88.1258% | 1,977 |
| Equity capital to assets | 10.2809% | 2,390 |
| Core capital (leverage) ratio | 9.9079% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,565,000 | 1,745 |
| Average earning assets | $451,404,400 | 1,735 |
| Average equity | $50,154,800 | 1,759 |
| Average total loans | $313,091,600 | 1,654 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 1,332 |
| Cost of funding earning assets | 0.4551% | 1,319 |
| Net interest margin | 3.6334% | 1,510 |
| Noninterest income to average assets | 0.3674% | 3,258 |
| Noninterest expense to average assets | 1.9699% | 3,761 |
| Loan and lease loss provision to assets | 0.0781% | 1,507 |
| Net operating income to assets | 1.7331% | 767 |
| Return on assets (ROA) | 1.7339% | 798 |
| Pretax return on assets | 1.7339% | 1,320 |
| Return on Equity (ROE) | 16.5496% | 840 |
| Retained earnings to average equity (ytd only) | 8.5686% | 1,852 |
| Net charge-offs to loans | -0.0109% | 3,709 |
| Credit loss provision to net charge-offs | -1,116.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9429% | 4,030 |
| Assets per employee ($millions) | 5.3032% | 3,403 |
| Cash dividends to net income (ytd only)* | 48.2247% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,934 |
| Loan loss allowance to noncurrent loans | 991.4826% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,668 |
| Noncurrent loans to loans | 0.0981% | 3,591 |
| Net loans and leases to total assets | 66.3339% | 1,504 |
| Net loans and leases to deposits | 75.8607% | 1,684 |
| Net loans and leases to core deposits | 80.6717% | 1,682 |
| Total domestic deposits to total assets | 87.4416% | 2,138 |
| Equity capital to assets | 10.6696% | 2,295 |
| Core capital (leverage) ratio | 9.8589% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,436,500 | 1,775 |
| Average earning assets | $447,618,000 | 1,768 |
| Average equity | $49,917,500 | 1,782 |
| Average total loans | $306,193,500 | 1,706 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 1,635 |
| Cost of funding earning assets | 0.4610% | 1,442 |
| Net interest margin | 3.5114% | 1,827 |
| Noninterest income to average assets | 0.3803% | 3,212 |
| Noninterest expense to average assets | 1.9326% | 3,883 |
| Loan and lease loss provision to assets | 0.0784% | 1,537 |
| Net operating income to assets | 1.6670% | 924 |
| Return on assets (ROA) | 1.6683% | 975 |
| Pretax return on assets | 1.6683% | 1,564 |
| Return on Equity (ROE) | 16.0225% | 952 |
| Retained earnings to average equity (ytd only) | 7.9566% | 2,091 |
| Net charge-offs to loans | -0.0013% | 3,121 |
| Credit loss provision to net charge-offs | -9,300.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3040% | 4,013 |
| Assets per employee ($millions) | 5.5942% | 3,025 |
| Cash dividends to net income (ytd only)* | 50.3412% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,860 |
| Loan loss allowance to noncurrent loans | 253.2218% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,732 |
| Noncurrent loans to loans | 0.3909% | 2,503 |
| Net loans and leases to total assets | 60.8006% | 2,327 |
| Net loans and leases to deposits | 69.0924% | 2,504 |
| Net loans and leases to core deposits | 73.3866% | 2,472 |
| Total domestic deposits to total assets | 87.9989% | 1,819 |
| Equity capital to assets | 10.1022% | 2,762 |
| Core capital (leverage) ratio | 9.5196% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,383,667 | 1,774 |
| Average earning assets | $445,522,000 | 1,773 |
| Average equity | $49,393,000 | 1,786 |
| Average total loans | $300,502,333 | 1,741 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 1,585 |
| Cost of funding earning assets | 0.4822% | 1,500 |
| Net interest margin | 3.5295% | 1,748 |
| Noninterest income to average assets | 0.4020% | 3,077 |
| Noninterest expense to average assets | 2.0111% | 3,683 |
| Loan and lease loss provision to assets | 0.0804% | 1,611 |
| Net operating income to assets | 1.6203% | 1,087 |
| Return on assets (ROA) | 1.6211% | 1,136 |
| Pretax return on assets | 1.6211% | 1,668 |
| Return on Equity (ROE) | 15.3246% | 1,150 |
| Retained earnings to average equity (ytd only) | 7.1842% | 2,514 |
| Net charge-offs to loans | 0.0040% | 1,773 |
| Credit loss provision to net charge-offs | 3,100.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 655.6667% | 151 |
| Efficiency ratio | 53.8784% | 3,800 |
| Assets per employee ($millions) | 5.3188% | 3,307 |
| Cash dividends to net income (ytd only)* | 53.1200% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,848 |
| Loan loss allowance to noncurrent loans | 236.4003% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,851 |
| Noncurrent loans to loans | 0.4217% | 2,592 |
| Net loans and leases to total assets | 60.7713% | 2,433 |
| Net loans and leases to deposits | 69.1821% | 2,584 |
| Net loans and leases to core deposits | 73.7615% | 2,534 |
| Total domestic deposits to total assets | 87.8426% | 1,922 |
| Equity capital to assets | 10.2559% | 2,473 |
| Core capital (leverage) ratio | 9.8323% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,635,500 | 1,800 |
| Average earning assets | $433,832,000 | 1,795 |
| Average equity | $48,941,000 | 1,792 |
| Average total loans | $297,883,500 | 1,761 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,091 |
| Cost of funding earning assets | 0.6608% | 1,928 |
| Net interest margin | 3.9420% | 1,110 |
| Noninterest income to average assets | 0.5103% | 2,585 |
| Noninterest expense to average assets | 2.1137% | 3,905 |
| Loan and lease loss provision to assets | 0.0666% | 3,543 |
| Net operating income to assets | 1.9959% | 265 |
| Return on assets (ROA) | 1.9969% | 282 |
| Pretax return on assets | 1.9969% | 457 |
| Return on Equity (ROE) | 17.1551% | 393 |
| Retained earnings to average equity (ytd only) | 5.5606% | 2,019 |
| Net charge-offs to loans | 0.0014% | 3,372 |
| Credit loss provision to net charge-offs | 6,775.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 2,096.7500% | 50 |
| Efficiency ratio | 50.3121% | 4,511 |
| Assets per employee ($millions) | 5.1331% | 3,255 |
| Cash dividends to net income (ytd only)* | 67.5862% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,073 |
| Loan loss allowance to noncurrent loans | 165.2503% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,445 |
| Noncurrent loans to loans | 0.5690% | 2,276 |
| Net loans and leases to total assets | 66.9739% | 1,956 |
| Net loans and leases to deposits | 76.7906% | 2,197 |
| Net loans and leases to core deposits | 83.3038% | 2,098 |
| Total domestic deposits to total assets | 87.2163% | 1,837 |
| Equity capital to assets | 10.9247% | 2,323 |
| Core capital (leverage) ratio | 10.1503% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,624,600 | 1,841 |
| Average earning assets | $378,161,000 | 1,842 |
| Average equity | $47,333,000 | 1,781 |
| Average total loans | $285,222,800 | 1,743 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,104 |
| Cost of funding earning assets | 0.6973% | 2,037 |
| Net interest margin | 3.9834% | 1,151 |
| Noninterest income to average assets | 0.5429% | 2,409 |
| Noninterest expense to average assets | 2.1443% | 3,836 |
| Loan and lease loss provision to assets | 0.0708% | 3,438 |
| Net operating income to assets | 2.0283% | 275 |
| Return on assets (ROA) | 2.0297% | 299 |
| Pretax return on assets | 2.0297% | 488 |
| Return on Equity (ROE) | 17.1399% | 433 |
| Retained earnings to average equity (ytd only) | 8.6579% | 1,090 |
| Net charge-offs to loans | -0.0062% | 4,104 |
| Credit loss provision to net charge-offs | -1,623.0769% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2297% | 4,476 |
| Assets per employee ($millions) | 4.9400% | 3,329 |
| Cash dividends to net income (ytd only)* | 49.4866% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 3,923 |
| Loan loss allowance to noncurrent loans | 188.9189% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 2,764 |
| Noncurrent loans to loans | 0.4986% | 2,563 |
| Net loans and leases to total assets | 68.4182% | 2,181 |
| Net loans and leases to deposits | 79.1018% | 2,413 |
| Net loans and leases to core deposits | 86.1506% | 2,288 |
| Total domestic deposits to total assets | 86.4939% | 1,865 |
| Equity capital to assets | 11.4571% | 2,045 |
| Core capital (leverage) ratio | 11.0452% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,635,000 | 1,855 |
| Average earning assets | $368,486,000 | 1,850 |
| Average equity | $46,969,250 | 1,778 |
| Average total loans | $281,045,250 | 1,757 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,095 |
| Cost of funding earning assets | 0.7367% | 2,191 |
| Net interest margin | 4.0946% | 1,124 |
| Noninterest income to average assets | 0.5856% | 2,184 |
| Noninterest expense to average assets | 2.1650% | 3,889 |
| Loan and lease loss provision to assets | 0.0783% | 3,316 |
| Net operating income to assets | 2.1360% | 243 |
| Return on assets (ROA) | 2.1360% | 270 |
| Pretax return on assets | 2.1360% | 408 |
| Return on Equity (ROE) | 17.8221% | 383 |
| Retained earnings to average equity (ytd only) | 9.2010% | 956 |
| Net charge-offs to loans | -0.0181% | 4,377 |
| Credit loss provision to net charge-offs | -604.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1413% | 4,553 |
| Assets per employee ($millions) | 4.7798% | 3,435 |
| Cash dividends to net income (ytd only)* | 48.3730% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,755 |
| Loan loss allowance to noncurrent loans | 226.1728% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,102 |
| Noncurrent loans to loans | 0.4245% | 2,889 |
| Net loans and leases to total assets | 70.6048% | 1,937 |
| Net loans and leases to deposits | 82.2770% | 2,177 |
| Net loans and leases to core deposits | 87.4246% | 2,312 |
| Total domestic deposits to total assets | 85.8136% | 2,090 |
| Equity capital to assets | 12.0260% | 1,639 |
| Core capital (leverage) ratio | 11.3703% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,588,000 | 1,864 |
| Average earning assets | $357,252,000 | 1,868 |
| Average equity | $46,212,333 | 1,788 |
| Average total loans | $275,780,000 | 1,762 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,273 |
| Cost of funding earning assets | 0.7967% | 2,415 |
| Net interest margin | 4.0707% | 1,196 |
| Noninterest income to average assets | 0.7764% | 1,377 |
| Noninterest expense to average assets | 2.2964% | 3,779 |
| Loan and lease loss provision to assets | 0.0953% | 2,494 |
| Net operating income to assets | 2.1513% | 204 |
| Return on assets (ROA) | 2.1513% | 222 |
| Pretax return on assets | 2.1513% | 334 |
| Return on Equity (ROE) | 17.9830% | 266 |
| Retained earnings to average equity (ytd only) | 9.1642% | 923 |
| Net charge-offs to loans | -0.0355% | 4,526 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2448% | 4,654 |
| Assets per employee ($millions) | 4.5353% | 3,213 |
| Cash dividends to net income (ytd only)* | 49.0399% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,823 |
| Loan loss allowance to noncurrent loans | 175.7358% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 2,846 |
| Noncurrent loans to loans | 0.5550% | 2,614 |
| Net loans and leases to total assets | 71.6064% | 1,980 |
| Net loans and leases to deposits | 83.2836% | 2,305 |
| Net loans and leases to core deposits | 88.8593% | 2,461 |
| Total domestic deposits to total assets | 85.9789% | 2,009 |
| Equity capital to assets | 11.7663% | 2,239 |
| Core capital (leverage) ratio | 11.4138% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,629,500 | 1,857 |
| Average earning assets | $349,425,500 | 1,853 |
| Average equity | $45,176,000 | 1,812 |
| Average total loans | $270,555,000 | 1,755 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 731 |
| Cost of funding earning assets | 1.0258% | 1,616 |
| Net interest margin | 4.3334% | 1,025 |
| Noninterest income to average assets | 0.4324% | 3,092 |
| Noninterest expense to average assets | 2.6394% | 3,064 |
| Loan and lease loss provision to assets | 0.0450% | 3,111 |
| Net operating income to assets | 1.8081% | 515 |
| Return on assets (ROA) | 1.8081% | 541 |
| Pretax return on assets | 1.8081% | 919 |
| Return on Equity (ROE) | 16.6426% | 461 |
| Retained earnings to average equity (ytd only) | 2.3237% | 3,863 |
| Net charge-offs to loans | 0.0675% | 2,124 |
| Credit loss provision to net charge-offs | 82.8767% | 2,757 |
| Earnings coverage of net charge-offs (x) | 34.1370% | 1,455 |
| Efficiency ratio | 58.3299% | 3,929 |
| Assets per employee ($millions) | 4.4558% | 3,291 |
| Cash dividends to net income (ytd only)* | 86.0374% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,659 |
| Loan loss allowance to noncurrent loans | 251.6634% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,336 |
| Noncurrent loans to loans | 0.3848% | 3,059 |
| Net loans and leases to total assets | 70.2805% | 2,352 |
| Net loans and leases to deposits | 82.1799% | 2,539 |
| Net loans and leases to core deposits | 86.4439% | 2,758 |
| Total domestic deposits to total assets | 85.5203% | 2,276 |
| Equity capital to assets | 12.1633% | 2,037 |
| Core capital (leverage) ratio | 12.0952% | 1,719 |
| Tier 1 risk-based capital ratio | 13.9003% | 3,315 |
| Total risk-based capital ratio | 14.7472% | 3,419 |
| Memoranda: | ||
| Average total assets | $268,962,200 | 2,338 |
| Average earning assets | $251,997,800 | 2,324 |
| Average equity | $29,220,200 | 2,437 |
| Average total loans | $216,267,200 | 2,049 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 933 |
| Cost of funding earning assets | 1.0812% | 1,423 |
| Net interest margin | 4.1791% | 1,418 |
| Noninterest income to average assets | 0.3852% | 3,406 |
| Noninterest expense to average assets | 2.4113% | 3,652 |
| Loan and lease loss provision to assets | 0.0115% | 3,664 |
| Net operating income to assets | 1.9024% | 488 |
| Return on assets (ROA) | 1.9024% | 510 |
| Pretax return on assets | 1.9024% | 860 |
| Return on Equity (ROE) | 18.3580% | 364 |
| Retained earnings to average equity (ytd only) | 11.8887% | 397 |
| Net charge-offs to loans | 0.0065% | 3,148 |
| Credit loss provision to net charge-offs | 210.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 348.3781% | 280 |
| Efficiency ratio | 55.2662% | 4,248 |
| Assets per employee ($millions) | 4.1109% | 3,744 |
| Cash dividends to net income (ytd only)* | 35.2399% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,205 |
| Loan loss allowance to noncurrent loans | 90.8679% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 1,077 |
| Noncurrent loans to loans | 1.3822% | 1,114 |
| Net loans and leases to total assets | 84.5034% | 298 |
| Net loans and leases to deposits | 98.7074% | 750 |
| Net loans and leases to core deposits | 108.1807% | 1,046 |
| Total domestic deposits to total assets | 85.6100% | 2,164 |
| Equity capital to assets | 10.9115% | 3,180 |
| Core capital (leverage) ratio | 10.3730% | 3,232 |
| Tier 1 risk-based capital ratio | 11.6350% | 4,599 |
| Total risk-based capital ratio | 12.8341% | 4,530 |
| Memoranda: | ||
| Average total assets | $242,630,250 | 2,530 |
| Average earning assets | $228,753,000 | 2,499 |
| Average equity | $25,143,750 | 2,721 |
| Average total loans | $203,927,750 | 2,153 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 1,003 |
| Cost of funding earning assets | 1.0642% | 1,434 |
| Net interest margin | 4.1222% | 1,544 |
| Noninterest income to average assets | 0.3544% | 3,568 |
| Noninterest expense to average assets | 2.3688% | 3,820 |
| Loan and lease loss provision to assets | 0.0173% | 3,445 |
| Net operating income to assets | 1.8536% | 535 |
| Return on assets (ROA) | 1.8536% | 559 |
| Pretax return on assets | 1.8536% | 928 |
| Return on Equity (ROE) | 18.2081% | 371 |
| Retained earnings to average equity (ytd only) | 11.5936% | 461 |
| Net charge-offs to loans | 0.0059% | 2,938 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 378.3333% | 209 |
| Efficiency ratio | 55.3849% | 4,328 |
| Assets per employee ($millions) | 4.0227% | 3,837 |
| Cash dividends to net income (ytd only)* | 36.3273% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,132 |
| Loan loss allowance to noncurrent loans | 103.6097% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,316 |
| Noncurrent loans to loans | 1.2276% | 1,297 |
| Net loans and leases to total assets | 83.9984% | 361 |
| Net loans and leases to deposits | 97.7268% | 873 |
| Net loans and leases to core deposits | 108.9776% | 1,036 |
| Total domestic deposits to total assets | 85.9523% | 2,058 |
| Equity capital to assets | 10.6176% | 3,418 |
| Core capital (leverage) ratio | 10.1169% | 3,488 |
| Tier 1 risk-based capital ratio | 11.4967% | 4,688 |
| Total risk-based capital ratio | 12.7238% | 4,590 |
| Memoranda: | ||
| Average total assets | $242,659,330 | 2,537 |
| Average earning assets | $228,714,670 | 2,511 |
| Average equity | $24,703,330 | 2,751 |
| Average total loans | $202,715,670 | 2,167 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 1,052 |
| Cost of funding earning assets | 1.0405% | 1,408 |
| Net interest margin | 4.0832% | 1,599 |
| Noninterest income to average assets | 0.3239% | 3,693 |
| Noninterest expense to average assets | 2.3526% | 3,890 |
| Loan and lease loss provision to assets | 0.0329% | 2,971 |
| Net operating income to assets | 1.7772% | 609 |
| Return on assets (ROA) | 1.7772% | 626 |
| Pretax return on assets | 1.7772% | 1,026 |
| Return on Equity (ROE) | 17.8372% | 414 |
| Retained earnings to average equity (ytd only) | 11.0554% | 791 |
| Net charge-offs to loans | 0.0060% | 2,488 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 216 |
| Efficiency ratio | 56.0032% | 4,334 |
| Assets per employee ($millions) | 4.1811% | 3,655 |
| Cash dividends to net income (ytd only)* | 38.0204% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,071 |
| Loan loss allowance to noncurrent loans | 102.4295% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 1,319 |
| Noncurrent loans to loans | 1.2738% | 1,290 |
| Net loans and leases to total assets | 81.5403% | 639 |
| Net loans and leases to deposits | 94.2875% | 1,141 |
| Net loans and leases to core deposits | 105.2689% | 1,222 |
| Total domestic deposits to total assets | 86.4805% | 2,083 |
| Equity capital to assets | 10.1806% | 3,641 |
| Core capital (leverage) ratio | 9.7782% | 3,832 |
| Tier 1 risk-based capital ratio | 11.3805% | 4,793 |
| Total risk-based capital ratio | 12.6305% | 4,701 |
| Memoranda: | ||
| Average total assets | $243,307,000 | 2,562 |
| Average earning assets | $228,744,000 | 2,530 |
| Average equity | $24,241,500 | 2,786 |
| Average total loans | $201,396,500 | 2,198 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 1,311 |
| Cost of funding earning assets | 0.7895% | 1,578 |
| Net interest margin | 4.1037% | 1,670 |
| Noninterest income to average assets | 0.4469% | 3,124 |
| Noninterest expense to average assets | 2.2719% | 4,185 |
| Loan and lease loss provision to assets | 0.0990% | 2,206 |
| Net operating income to assets | 1.9535% | 390 |
| Return on assets (ROA) | 1.9535% | 391 |
| Pretax return on assets | 1.9535% | 621 |
| Return on Equity (ROE) | 19.7767% | 261 |
| Retained earnings to average equity (ytd only) | 8.3809% | 1,092 |
| Net charge-offs to loans | -0.0052% | 4,361 |
| Credit loss provision to net charge-offs | -2,310.0000% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0313% | 4,794 |
| Assets per employee ($millions) | 4.2088% | 3,606 |
| Cash dividends to net income (ytd only)* | 57.6223% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,132 |
| Loan loss allowance to noncurrent loans | 120.5759% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 1,583 |
| Noncurrent loans to loans | 1.0635% | 1,537 |
| Net loans and leases to total assets | 81.8666% | 670 |
| Net loans and leases to deposits | 97.8817% | 916 |
| Net loans and leases to core deposits | 108.5576% | 1,083 |
| Total domestic deposits to total assets | 83.6383% | 3,106 |
| Equity capital to assets | 9.7475% | 3,908 |
| Core capital (leverage) ratio | 9.7470% | 3,859 |
| Tier 1 risk-based capital ratio | 9.9337% | 5,322 |
| Total risk-based capital ratio | 11.0542% | 5,305 |
| Memoranda: | ||
| Average total assets | $233,376,800 | 2,594 |
| Average earning assets | $220,510,000 | 2,560 |
| Average equity | $23,052,400 | 2,812 |
| Average total loans | $191,269,800 | 2,239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 1,259 |
| Cost of funding earning assets | 0.7369% | 1,642 |
| Net interest margin | 4.1278% | 1,551 |
| Noninterest income to average assets | 0.4624% | 3,085 |
| Noninterest expense to average assets | 2.2893% | 4,125 |
| Loan and lease loss provision to assets | 0.1104% | 1,831 |
| Net operating income to assets | 1.9702% | 409 |
| Return on assets (ROA) | 1.9731% | 401 |
| Pretax return on assets | 1.9731% | 664 |
| Return on Equity (ROE) | 19.9062% | 283 |
| Retained earnings to average equity (ytd only) | 12.6935% | 394 |
| Net charge-offs to loans | -0.0028% | 4,129 |
| Credit loss provision to net charge-offs | -4,775.0000% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8847% | 4,824 |
| Assets per employee ($millions) | 3.9846% | 3,912 |
| Cash dividends to net income (ytd only)* | 36.2331% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,008 |
| Loan loss allowance to noncurrent loans | 103.3212% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 1,380 |
| Noncurrent loans to loans | 1.2762% | 1,323 |
| Net loans and leases to total assets | 81.2074% | 847 |
| Net loans and leases to deposits | 94.7050% | 1,299 |
| Net loans and leases to core deposits | 105.0092% | 1,381 |
| Total domestic deposits to total assets | 85.7478% | 2,301 |
| Equity capital to assets | 10.1513% | 3,492 |
| Core capital (leverage) ratio | 10.0028% | 3,632 |
| Tier 1 risk-based capital ratio | 11.5552% | 4,759 |
| Total risk-based capital ratio | 12.8052% | 4,648 |
| Memoranda: | ||
| Average total assets | $230,692,750 | 2,617 |
| Average earning assets | $218,381,500 | 2,588 |
| Average equity | $22,866,750 | 2,835 |
| Average total loans | $188,476,500 | 2,268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 1,280 |
| Cost of funding earning assets | 0.7075% | 1,581 |
| Net interest margin | 4.0810% | 1,613 |
| Noninterest income to average assets | 0.4712% | 3,027 |
| Noninterest expense to average assets | 2.2423% | 4,274 |
| Loan and lease loss provision to assets | 0.1317% | 1,504 |
| Net operating income to assets | 1.9623% | 409 |
| Return on assets (ROA) | 1.9666% | 405 |
| Pretax return on assets | 1.9666% | 652 |
| Return on Equity (ROE) | 20.0053% | 263 |
| Retained earnings to average equity (ytd only) | 12.6742% | 430 |
| Net charge-offs to loans | -0.0043% | 4,064 |
| Credit loss provision to net charge-offs | -3,775.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2072% | 4,952 |
| Assets per employee ($millions) | 4.0545% | 3,806 |
| Cash dividends to net income (ytd only)* | 36.6460% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,192 |
| Loan loss allowance to noncurrent loans | 97.4389% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 1,323 |
| Noncurrent loans to loans | 1.3294% | 1,277 |
| Net loans and leases to total assets | 82.7945% | 609 |
| Net loans and leases to deposits | 93.6258% | 1,398 |
| Net loans and leases to core deposits | 102.9700% | 1,486 |
| Total domestic deposits to total assets | 88.4313% | 1,171 |
| Equity capital to assets | 10.0460% | 3,576 |
| Core capital (leverage) ratio | 9.7303% | 3,854 |
| Tier 1 risk-based capital ratio | 11.3097% | 4,894 |
| Total risk-based capital ratio | 12.5595% | 4,790 |
| Memoranda: | ||
| Average total assets | $229,226,000 | 2,644 |
| Average earning assets | $217,102,330 | 2,609 |
| Average equity | $22,534,000 | 2,880 |
| Average total loans | $186,814,000 | 2,290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,541 |
| Cost of funding earning assets | 0.6897% | 1,498 |
| Net interest margin | 3.9192% | 1,970 |
| Noninterest income to average assets | 0.4591% | 3,062 |
| Noninterest expense to average assets | 2.3497% | 4,066 |
| Loan and lease loss provision to assets | 0.1577% | 1,145 |
| Net operating income to assets | 1.6558% | 755 |
| Return on assets (ROA) | 1.6558% | 759 |
| Pretax return on assets | 1.6558% | 1,226 |
| Return on Equity (ROE) | 17.0328% | 508 |
| Retained earnings to average equity (ytd only) | 9.5528% | 1,298 |
| Net charge-offs to loans | -0.0175% | 4,488 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8923% | 4,596 |
| Assets per employee ($millions) | 4.2268% | 3,604 |
| Cash dividends to net income (ytd only)* | 43.9153% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 2,099 |
| Loan loss allowance to noncurrent loans | 75.1762% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 1,060 |
| Noncurrent loans to loans | 1.7700% | 964 |
| Net loans and leases to total assets | 76.8484% | 1,407 |
| Net loans and leases to deposits | 86.2622% | 2,134 |
| Net loans and leases to core deposits | 97.6985% | 1,853 |
| Total domestic deposits to total assets | 89.0871% | 1,056 |
| Equity capital to assets | 9.4495% | 4,136 |
| Core capital (leverage) ratio | 9.4169% | 4,164 |
| Tier 1 risk-based capital ratio | 11.2584% | 5,003 |
| Total risk-based capital ratio | 12.5087% | 4,894 |
| Memoranda: | ||
| Average total assets | $228,286,000 | 2,674 |
| Average earning assets | $215,756,000 | 2,640 |
| Average equity | $22,192,500 | 2,940 |
| Average total loans | $183,294,000 | 2,339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 1,550 |
| Cost of funding earning assets | 0.6063% | 1,558 |
| Net interest margin | 3.9479% | 1,924 |
| Noninterest income to average assets | 0.5108% | 2,930 |
| Noninterest expense to average assets | 2.2682% | 4,409 |
| Loan and lease loss provision to assets | 0.1409% | 1,616 |
| Net operating income to assets | 1.8222% | 394 |
| Return on assets (ROA) | 1.8114% | 415 |
| Pretax return on assets | 1.8114% | 772 |
| Return on Equity (ROE) | 17.9525% | 309 |
| Retained earnings to average equity (ytd only) | 6.7706% | 1,164 |
| Net charge-offs to loans | 0.0214% | 3,390 |
| Credit loss provision to net charge-offs | 810.8108% | 424 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 594 |
| Efficiency ratio | 53.0404% | 5,033 |
| Assets per employee ($millions) | 3.9977% | 3,962 |
| Cash dividends to net income (ytd only)* | 62.2862% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,252 |
| Loan loss allowance to noncurrent loans | 73.1450% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 946 |
| Noncurrent loans to loans | 1.7675% | 907 |
| Net loans and leases to total assets | 81.8107% | 705 |
| Net loans and leases to deposits | 92.5565% | 1,440 |
| Net loans and leases to core deposits | 107.3918% | 1,191 |
| Total domestic deposits to total assets | 88.3900% | 1,303 |
| Equity capital to assets | 10.0141% | 3,692 |
| Core capital (leverage) ratio | 9.7162% | 3,793 |
| Tier 1 risk-based capital ratio | 11.2914% | 4,989 |
| Total risk-based capital ratio | 12.5412% | 4,863 |
| Memoranda: | ||
| Average total assets | $212,983,800 | 2,788 |
| Average earning assets | $200,713,600 | 2,763 |
| Average equity | $21,490,000 | 2,993 |
| Average total loans | $173,263,000 | 2,395 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,770 |
| Cost of funding earning assets | 0.5792% | 1,674 |
| Net interest margin | 3.8769% | 2,117 |
| Noninterest income to average assets | 0.4304% | 3,472 |
| Noninterest expense to average assets | 2.2846% | 4,339 |
| Loan and lease loss provision to assets | 0.1704% | 1,184 |
| Net operating income to assets | 1.6295% | 665 |
| Return on assets (ROA) | 1.6377% | 676 |
| Pretax return on assets | 1.6377% | 1,289 |
| Return on Equity (ROE) | 16.1996% | 504 |
| Retained earnings to average equity (ytd only) | 8.5337% | 996 |
| Net charge-offs to loans | 0.0951% | 1,840 |
| Credit loss provision to net charge-offs | 221.3115% | 1,251 |
| Earnings coverage of net charge-offs (x) | 23.3774% | 1,817 |
| Efficiency ratio | 55.3461% | 4,809 |
| Assets per employee ($millions) | 3.9202% | 4,121 |
| Cash dividends to net income (ytd only)* | 47.3218% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,562 |
| Loan loss allowance to noncurrent loans | 41.4156% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.5096% | 427 |
| Noncurrent loans to loans | 3.0497% | 409 |
| Net loans and leases to total assets | 81.2502% | 798 |
| Net loans and leases to deposits | 92.3110% | 1,520 |
| Net loans and leases to core deposits | 108.7578% | 1,110 |
| Total domestic deposits to total assets | 88.0179% | 1,354 |
| Equity capital to assets | 10.3032% | 3,587 |
| Core capital (leverage) ratio | 9.9515% | 3,627 |
| Tier 1 risk-based capital ratio | 11.2997% | 5,073 |
| Total risk-based capital ratio | 12.5073% | 4,999 |
| Memoranda: | ||
| Average total assets | $211,262,000 | 2,831 |
| Average earning assets | $199,122,500 | 2,803 |
| Average equity | $21,358,000 | 3,035 |
| Average total loans | $171,020,250 | 2,424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 1,649 |
| Cost of funding earning assets | 0.5610% | 1,707 |
| Net interest margin | 3.8936% | 1,953 |
| Noninterest income to average assets | 0.4118% | 3,615 |
| Noninterest expense to average assets | 2.2487% | 4,462 |
| Loan and lease loss provision to assets | 0.1716% | 1,133 |
| Net operating income to assets | 1.6634% | 613 |
| Return on assets (ROA) | 1.6748% | 611 |
| Pretax return on assets | 1.6748% | 1,116 |
| Return on Equity (ROE) | 16.6759% | 441 |
| Retained earnings to average equity (ytd only) | 8.9596% | 855 |
| Net charge-offs to loans | 0.0663% | 1,980 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 34.3750% | 1,368 |
| Efficiency ratio | 54.4818% | 4,977 |
| Assets per employee ($millions) | 3.7722% | 4,316 |
| Cash dividends to net income (ytd only)* | 46.2721% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,474 |
| Loan loss allowance to noncurrent loans | 61.9274% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.6947% | 851 |
| Noncurrent loans to loans | 2.0804% | 796 |
| Net loans and leases to total assets | 80.4148% | 886 |
| Net loans and leases to deposits | 89.9525% | 1,733 |
| Net loans and leases to core deposits | 101.6468% | 1,538 |
| Total domestic deposits to total assets | 89.3969% | 761 |
| Equity capital to assets | 10.3706% | 3,490 |
| Core capital (leverage) ratio | 9.8075% | 3,765 |
| Tier 1 risk-based capital ratio | 11.5038% | 4,953 |
| Total risk-based capital ratio | 12.7457% | 4,853 |
| Memoranda: | ||
| Average total assets | $209,811,670 | 2,867 |
| Average earning assets | $197,861,670 | 2,828 |
| Average equity | $21,072,330 | 3,059 |
| Average total loans | $168,884,670 | 2,452 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 1,681 |
| Cost of funding earning assets | 0.5577% | 1,673 |
| Net interest margin | 3.8310% | 2,011 |
| Noninterest income to average assets | 0.3922% | 3,720 |
| Noninterest expense to average assets | 2.3453% | 4,274 |
| Loan and lease loss provision to assets | 0.1722% | 1,026 |
| Net operating income to assets | 1.4883% | 832 |
| Return on assets (ROA) | 1.4883% | 861 |
| Pretax return on assets | 1.4883% | 1,576 |
| Return on Equity (ROE) | 15.0666% | 631 |
| Retained earnings to average equity (ytd only) | 7.1847% | 1,789 |
| Net charge-offs to loans | 0.1196% | 1,212 |
| Credit loss provision to net charge-offs | 180.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 17.3600% | 1,601 |
| Efficiency ratio | 57.9274% | 4,724 |
| Assets per employee ($millions) | 3.9053% | 4,173 |
| Cash dividends to net income (ytd only)* | 52.3136% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,577 |
| Loan loss allowance to noncurrent loans | 60.4935% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6720% | 905 |
| Noncurrent loans to loans | 2.1355% | 811 |
| Net loans and leases to total assets | 77.2837% | 1,232 |
| Net loans and leases to deposits | 85.9152% | 2,044 |
| Net loans and leases to core deposits | 91.8302% | 2,182 |
| Total domestic deposits to total assets | 89.9534% | 680 |
| Equity capital to assets | 9.8597% | 3,921 |
| Core capital (leverage) ratio | 9.5248% | 4,096 |
| Tier 1 risk-based capital ratio | 11.4202% | 5,080 |
| Total risk-based capital ratio | 12.6410% | 4,995 |
| Memoranda: | ||
| Average total assets | $209,097,000 | 2,898 |
| Average earning assets | $197,234,000 | 2,858 |
| Average equity | $20,655,000 | 3,104 |
| Average total loans | $167,284,000 | 2,484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,284 |
| Cost of funding earning assets | 0.5487% | 1,704 |
| Net interest margin | 4.0488% | 1,499 |
| Noninterest income to average assets | 0.4411% | 3,609 |
| Noninterest expense to average assets | 2.2567% | 4,639 |
| Loan and lease loss provision to assets | 0.1790% | 1,341 |
| Net operating income to assets | 1.8082% | 442 |
| Return on assets (ROA) | 1.8082% | 462 |
| Pretax return on assets | 1.8121% | 776 |
| Return on Equity (ROE) | 18.2407% | 314 |
| Retained earnings to average equity (ytd only) | 8.7260% | 644 |
| Net charge-offs to loans | 0.0037% | 4,125 |
| Credit loss provision to net charge-offs | 6,066.6667% | 74 |
| Earnings coverage of net charge-offs (x) | 674.8333% | 117 |
| Efficiency ratio | 52.5353% | 5,347 |
| Assets per employee ($millions) | 3.8390% | 4,237 |
| Cash dividends to net income (ytd only)* | 52.1621% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,905 |
| Loan loss allowance to noncurrent loans | 135.7328% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 2,501 |
| Noncurrent loans to loans | 0.9100% | 2,276 |
| Net loans and leases to total assets | 80.7309% | 778 |
| Net loans and leases to deposits | 89.8172% | 1,709 |
| Net loans and leases to core deposits | 99.5420% | 1,655 |
| Total domestic deposits to total assets | 89.8836% | 690 |
| Equity capital to assets | 9.8970% | 3,822 |
| Core capital (leverage) ratio | 9.5184% | 4,059 |
| Tier 1 risk-based capital ratio | 11.1670% | 5,246 |
| Total risk-based capital ratio | 12.3584% | 5,165 |
| Memoranda: | ||
| Average total assets | $203,352,800 | 2,918 |
| Average earning assets | $191,191,200 | 2,883 |
| Average equity | $20,158,200 | 3,156 |
| Average total loans | $163,822,600 | 2,479 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,269 |
| Cost of funding earning assets | 0.5405% | 1,786 |
| Net interest margin | 4.0712% | 1,471 |
| Noninterest income to average assets | 0.4731% | 3,414 |
| Noninterest expense to average assets | 2.2783% | 4,584 |
| Loan and lease loss provision to assets | 0.1805% | 1,228 |
| Net operating income to assets | 1.8349% | 453 |
| Return on assets (ROA) | 1.8349% | 476 |
| Pretax return on assets | 1.8402% | 821 |
| Return on Equity (ROE) | 18.5028% | 328 |
| Retained earnings to average equity (ytd only) | 10.7230% | 454 |
| Net charge-offs to loans | 0.0066% | 3,683 |
| Credit loss provision to net charge-offs | 3,425.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 383.2455% | 235 |
| Efficiency ratio | 52.4138% | 5,356 |
| Assets per employee ($millions) | 3.6626% | 4,552 |
| Cash dividends to net income (ytd only)* | 42.0466% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,228 |
| Loan loss allowance to noncurrent loans | 191.8504% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 3,346 |
| Noncurrent loans to loans | 0.6261% | 3,135 |
| Net loans and leases to total assets | 80.2430% | 856 |
| Net loans and leases to deposits | 90.3771% | 1,706 |
| Net loans and leases to core deposits | 101.4398% | 1,521 |
| Total domestic deposits to total assets | 88.7868% | 1,010 |
| Equity capital to assets | 10.2176% | 3,892 |
| Core capital (leverage) ratio | 9.4998% | 4,183 |
| Tier 1 risk-based capital ratio | 11.2435% | 5,230 |
| Total risk-based capital ratio | 12.3993% | 5,201 |
| Memoranda: | ||
| Average total assets | $202,364,500 | 2,943 |
| Average earning assets | $190,176,750 | 2,907 |
| Average equity | $20,068,500 | 3,185 |
| Average total loans | $162,415,000 | 2,496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 1,297 |
| Cost of funding earning assets | 0.5235% | 1,920 |
| Net interest margin | 4.0615% | 1,472 |
| Noninterest income to average assets | 0.5758% | 2,746 |
| Noninterest expense to average assets | 2.2715% | 4,681 |
| Loan and lease loss provision to assets | 0.1817% | 1,201 |
| Net operating income to assets | 1.9350% | 376 |
| Return on assets (ROA) | 1.9350% | 394 |
| Pretax return on assets | 1.9429% | 642 |
| Return on Equity (ROE) | 19.7144% | 255 |
| Retained earnings to average equity (ytd only) | 11.8550% | 347 |
| Net charge-offs to loans | 0.0099% | 3,362 |
| Credit loss provision to net charge-offs | 2,287.5000% | 190 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 253 |
| Efficiency ratio | 51.1066% | 5,494 |
| Assets per employee ($millions) | 3.8305% | 4,211 |
| Cash dividends to net income (ytd only)* | 39.8666% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,709 |
| Loan loss allowance to noncurrent loans | 182.9502% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 3,220 |
| Noncurrent loans to loans | 0.6239% | 3,200 |
| Net loans and leases to total assets | 79.9726% | 910 |
| Net loans and leases to deposits | 89.0351% | 1,861 |
| Net loans and leases to core deposits | 99.6578% | 1,658 |
| Total domestic deposits to total assets | 89.8215% | 557 |
| Equity capital to assets | 9.9687% | 4,267 |
| Core capital (leverage) ratio | 9.3897% | 4,349 |
| Tier 1 risk-based capital ratio | 10.9868% | 5,428 |
| Total risk-based capital ratio | 12.0904% | 5,428 |
| Memoranda: | ||
| Average total assets | $201,450,330 | 2,967 |
| Average earning assets | $189,488,670 | 2,935 |
| Average equity | $19,772,330 | 3,225 |
| Average total loans | $161,025,000 | 2,520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,253 |
| Cost of funding earning assets | 0.5140% | 1,993 |
| Net interest margin | 4.0905% | 1,366 |
| Noninterest income to average assets | 0.4971% | 3,138 |
| Noninterest expense to average assets | 2.4956% | 4,082 |
| Loan and lease loss provision to assets | 0.1872% | 1,060 |
| Net operating income to assets | 1.6422% | 647 |
| Return on assets (ROA) | 1.6422% | 687 |
| Pretax return on assets | 1.6583% | 1,162 |
| Return on Equity (ROE) | 16.8695% | 453 |
| Retained earnings to average equity (ytd only) | 8.9723% | 1,128 |
| Net charge-offs to loans | 0.0101% | 2,784 |
| Credit loss provision to net charge-offs | 2,325.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 229.2500% | 272 |
| Efficiency ratio | 56.8846% | 5,108 |
| Assets per employee ($millions) | 3.8350% | 4,239 |
| Cash dividends to net income (ytd only)* | 46.8137% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,766 |
| Loan loss allowance to noncurrent loans | 159.7198% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 3,041 |
| Noncurrent loans to loans | 0.7199% | 3,039 |
| Net loans and leases to total assets | 78.6282% | 1,009 |
| Net loans and leases to deposits | 87.3719% | 1,898 |
| Net loans and leases to core deposits | 95.2781% | 1,865 |
| Total domestic deposits to total assets | 89.9926% | 599 |
| Equity capital to assets | 9.8409% | 4,282 |
| Core capital (leverage) ratio | 9.2635% | 4,534 |
| Tier 1 risk-based capital ratio | 11.0766% | 5,468 |
| Total risk-based capital ratio | 12.1824% | 5,446 |
| Memoranda: | ||
| Average total assets | $198,752,000 | 3,000 |
| Average earning assets | $186,773,000 | 2,970 |
| Average equity | $19,348,500 | 3,268 |
| Average total loans | $157,872,000 | 2,551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 1,739 |
| Cost of funding earning assets | 0.5212% | 1,984 |
| Net interest margin | 3.9307% | 1,929 |
| Noninterest income to average assets | 0.5880% | 2,784 |
| Noninterest expense to average assets | 2.2533% | 4,914 |
| Loan and lease loss provision to assets | 0.2096% | 1,002 |
| Net operating income to assets | 1.8192% | 469 |
| Return on assets (ROA) | 1.8192% | 480 |
| Pretax return on assets | 1.8197% | 774 |
| Return on Equity (ROE) | 19.6087% | 267 |
| Retained earnings to average equity (ytd only) | 11.4069% | 300 |
| Net charge-offs to loans | 0.0246% | 3,756 |
| Credit loss provision to net charge-offs | 1,097.2973% | 307 |
| Earnings coverage of net charge-offs (x) | 106.2432% | 548 |
| Efficiency ratio | 52.0010% | 5,634 |
| Assets per employee ($millions) | 3.8093% | 4,273 |
| Cash dividends to net income (ytd only)* | 41.8275% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,029 |
| Loan loss allowance to noncurrent loans | 168.4466% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 3,102 |
| Noncurrent loans to loans | 0.6556% | 3,224 |
| Net loans and leases to total assets | 78.4438% | 1,066 |
| Net loans and leases to deposits | 86.9723% | 2,008 |
| Net loans and leases to core deposits | 95.1559% | 1,928 |
| Total domestic deposits to total assets | 90.1940% | 547 |
| Equity capital to assets | 9.6283% | 4,400 |
| Core capital (leverage) ratio | 9.1881% | 4,633 |
| Tier 1 risk-based capital ratio | 10.9897% | 5,527 |
| Total risk-based capital ratio | 12.0559% | 5,533 |
| Memoranda: | ||
| Average total assets | $193,712,600 | 3,006 |
| Average earning assets | $182,077,600 | 2,979 |
| Average equity | $17,971,600 | 3,386 |
| Average total loans | $150,651,400 | 2,590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 1,809 |
| Cost of funding earning assets | 0.5280% | 1,981 |
| Net interest margin | 3.9019% | 2,026 |
| Noninterest income to average assets | 0.6735% | 2,364 |
| Noninterest expense to average assets | 2.2842% | 4,820 |
| Loan and lease loss provision to assets | 0.2167% | 882 |
| Net operating income to assets | 1.8398% | 474 |
| Return on assets (ROA) | 1.8398% | 497 |
| Pretax return on assets | 1.8405% | 820 |
| Return on Equity (ROE) | 20.0261% | 268 |
| Retained earnings to average equity (ytd only) | 13.3658% | 253 |
| Net charge-offs to loans | 0.0215% | 3,504 |
| Credit loss provision to net charge-offs | 1,304.1667% | 283 |
| Earnings coverage of net charge-offs (x) | 123.8303% | 522 |
| Efficiency ratio | 52.0089% | 5,655 |
| Assets per employee ($millions) | 3.7294% | 4,393 |
| Cash dividends to net income (ytd only)* | 33.2582% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 4,158 |
| Loan loss allowance to noncurrent loans | 135.9901% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 2,615 |
| Noncurrent loans to loans | 0.8176% | 2,923 |
| Net loans and leases to total assets | 77.3858% | 1,195 |
| Net loans and leases to deposits | 86.0632% | 2,130 |
| Net loans and leases to core deposits | 92.9774% | 2,173 |
| Total domestic deposits to total assets | 89.9174% | 606 |
| Equity capital to assets | 9.8402% | 4,352 |
| Core capital (leverage) ratio | 9.1269% | 4,843 |
| Tier 1 risk-based capital ratio | 11.3174% | 5,480 |
| Total risk-based capital ratio | 12.3815% | 5,478 |
| Memoranda: | ||
| Average total assets | $192,620,250 | 3,045 |
| Average earning assets | $181,072,000 | 3,010 |
| Average equity | $17,696,500 | 3,449 |
| Average total loans | $149,034,750 | 2,619 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 1,856 |
| Cost of funding earning assets | 0.5297% | 1,985 |
| Net interest margin | 3.8694% | 2,076 |
| Noninterest income to average assets | 0.7507% | 1,986 |
| Noninterest expense to average assets | 2.2675% | 4,933 |
| Loan and lease loss provision to assets | 0.2295% | 812 |
| Net operating income to assets | 1.8860% | 441 |
| Return on assets (ROA) | 1.8860% | 458 |
| Pretax return on assets | 1.8870% | 751 |
| Return on Equity (ROE) | 21.0179% | 231 |
| Retained earnings to average equity (ytd only) | 14.2308% | 226 |
| Net charge-offs to loans | 0.0268% | 3,142 |
| Credit loss provision to net charge-offs | 1,110.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 102.3500% | 590 |
| Efficiency ratio | 51.1321% | 5,785 |
| Assets per employee ($millions) | 3.8020% | 4,254 |
| Cash dividends to net income (ytd only)* | 32.2917% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,672 |
| Loan loss allowance to noncurrent loans | 162.8245% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 3,120 |
| Noncurrent loans to loans | 0.6369% | 3,563 |
| Net loans and leases to total assets | 77.1650% | 1,187 |
| Net loans and leases to deposits | 85.1999% | 2,149 |
| Net loans and leases to core deposits | 93.7223% | 1,987 |
| Total domestic deposits to total assets | 90.5694% | 426 |
| Equity capital to assets | 9.2414% | 4,967 |
| Core capital (leverage) ratio | 8.7891% | 5,235 |
| Tier 1 risk-based capital ratio | 10.8549% | 5,780 |
| Total risk-based capital ratio | 11.8527% | 5,826 |
| Memoranda: | ||
| Average total assets | $193,427,330 | 3,058 |
| Average earning assets | $181,628,330 | 3,030 |
| Average equity | $17,356,670 | 3,517 |
| Average total loans | $149,099,000 | 2,630 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,090 |
| Cost of funding earning assets | 0.5253% | 2,047 |
| Net interest margin | 3.7789% | 2,303 |
| Noninterest income to average assets | 0.4617% | 3,564 |
| Noninterest expense to average assets | 2.3459% | 4,752 |
| Loan and lease loss provision to assets | 0.2381% | 716 |
| Net operating income to assets | 1.4204% | 991 |
| Return on assets (ROA) | 1.4204% | 1,048 |
| Pretax return on assets | 1.4224% | 1,802 |
| Return on Equity (ROE) | 16.0698% | 562 |
| Retained earnings to average equity (ytd only) | 9.1593% | 1,145 |
| Net charge-offs to loans | 0.0378% | 2,456 |
| Credit loss provision to net charge-offs | 821.4286% | 381 |
| Earnings coverage of net charge-offs (x) | 57.2857% | 766 |
| Efficiency ratio | 57.8811% | 5,350 |
| Assets per employee ($millions) | 3.8068% | 4,323 |
| Cash dividends to net income (ytd only)* | 43.0029% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 5,145 |
| Loan loss allowance to noncurrent loans | 129.4793% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 2,977 |
| Noncurrent loans to loans | 0.7533% | 3,378 |
| Net loans and leases to total assets | 76.7135% | 1,101 |
| Net loans and leases to deposits | 84.4204% | 2,016 |
| Net loans and leases to core deposits | 92.8610% | 1,868 |
| Total domestic deposits to total assets | 90.8708% | 409 |
| Equity capital to assets | 8.9767% | 5,323 |
| Core capital (leverage) ratio | 8.3982% | 5,634 |
| Tier 1 risk-based capital ratio | 10.3137% | 6,070 |
| Total risk-based capital ratio | 11.2471% | 6,120 |
| Memoranda: | ||
| Average total assets | $193,191,000 | 3,077 |
| Average earning assets | $181,216,000 | 3,053 |
| Average equity | $17,075,500 | 3,579 |
| Average total loans | $148,053,000 | 2,650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,012 |
| Cost of funding earning assets | 0.5517% | 2,192 |
| Net interest margin | 3.9128% | 2,191 |
| Noninterest income to average assets | 0.3293% | 4,757 |
| Noninterest expense to average assets | 2.3037% | 5,105 |
| Loan and lease loss provision to assets | 0.1317% | 1,985 |
| Net operating income to assets | 1.5473% | 796 |
| Return on assets (ROA) | 1.5286% | 860 |
| Pretax return on assets | 1.5303% | 1,441 |
| Return on Equity (ROE) | 17.5564% | 439 |
| Retained earnings to average equity (ytd only) | 6.4552% | 1,673 |
| Net charge-offs to loans | 0.0068% | 4,790 |
| Credit loss provision to net charge-offs | 2,666.6667% | 117 |
| Earnings coverage of net charge-offs (x) | 340.2222% | 159 |
| Efficiency ratio | 57.4046% | 5,521 |
| Assets per employee ($millions) | 3.7693% | 4,405 |
| Cash dividends to net income (ytd only)* | 63.2316% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 5,343 |
| Loan loss allowance to noncurrent loans | 127.7830% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 3,162 |
| Noncurrent loans to loans | 0.7337% | 3,484 |
| Net loans and leases to total assets | 75.0831% | 1,406 |
| Net loans and leases to deposits | 82.3789% | 2,425 |
| Net loans and leases to core deposits | 93.5085% | 1,947 |
| Total domestic deposits to total assets | 91.1437% | 325 |
| Equity capital to assets | 8.6992% | 5,579 |
| Core capital (leverage) ratio | 8.2012% | 5,854 |
| Tier 1 risk-based capital ratio | 9.8718% | 6,290 |
| Total risk-based capital ratio | 10.7351% | 6,331 |
| Memoranda: | ||
| Average total assets | $182,188,000 | 3,184 |
| Average earning assets | $170,186,600 | 3,152 |
| Average equity | $15,863,200 | 3,690 |
| Average total loans | $133,134,400 | 2,805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 2,134 |
| Cost of funding earning assets | 0.5698% | 2,107 |
| Net interest margin | 3.8576% | 2,402 |
| Noninterest income to average assets | 0.3057% | 4,996 |
| Noninterest expense to average assets | 2.3553% | 4,955 |
| Loan and lease loss provision to assets | 0.1336% | 1,874 |
| Net operating income to assets | 1.4166% | 1,096 |
| Return on assets (ROA) | 1.3832% | 1,206 |
| Pretax return on assets | 1.3854% | 2,065 |
| Return on Equity (ROE) | 15.8821% | 686 |
| Retained earnings to average equity (ytd only) | 8.4182% | 1,183 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9506% | 5,188 |
| Assets per employee ($millions) | 3.7594% | 4,377 |
| Cash dividends to net income (ytd only)* | 46.9957% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 5,482 |
| Loan loss allowance to noncurrent loans | 122.6468% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 3,368 |
| Noncurrent loans to loans | 0.7619% | 3,692 |
| Net loans and leases to total assets | 72.7633% | 1,724 |
| Net loans and leases to deposits | 83.4534% | 2,229 |
| Net loans and leases to core deposits | 93.7724% | 1,894 |
| Total domestic deposits to total assets | 87.1903% | 2,206 |
| Equity capital to assets | 8.6700% | 5,667 |
| Core capital (leverage) ratio | 8.1912% | 5,944 |
| Tier 1 risk-based capital ratio | 10.1114% | 6,320 |
| Total risk-based capital ratio | 10.9661% | 6,373 |
| Memoranda: | ||
| Average total assets | $179,676,250 | 3,237 |
| Average earning assets | $167,770,500 | 3,208 |
| Average equity | $15,648,250 | 3,745 |
| Average total loans | $129,992,500 | 2,874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,482 |
| Cost of funding earning assets | 0.5843% | 2,030 |
| Net interest margin | 3.7445% | 2,782 |
| Noninterest income to average assets | 0.2801% | 5,186 |
| Noninterest expense to average assets | 2.3455% | 5,040 |
| Loan and lease loss provision to assets | 0.1366% | 1,811 |
| Net operating income to assets | 1.2968% | 1,319 |
| Return on assets (ROA) | 1.2968% | 1,368 |
| Pretax return on assets | 1.3003% | 2,247 |
| Return on Equity (ROE) | 14.8662% | 810 |
| Retained earnings to average equity (ytd only) | 7.2830% | 1,625 |
| Net charge-offs to loans | 0.0016% | 4,344 |
| Credit loss provision to net charge-offs | 12,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,262.0000% | 42 |
| Efficiency ratio | 61.8904% | 5,031 |
| Assets per employee ($millions) | 3.7429% | 4,363 |
| Cash dividends to net income (ytd only)* | 51.0097% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 5,576 |
| Loan loss allowance to noncurrent loans | 106.7234% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 2,988 |
| Noncurrent loans to loans | 0.8880% | 3,482 |
| Net loans and leases to total assets | 68.6587% | 2,297 |
| Net loans and leases to deposits | 76.8196% | 2,950 |
| Net loans and leases to core deposits | 87.2136% | 2,393 |
| Total domestic deposits to total assets | 89.3765% | 1,168 |
| Equity capital to assets | 8.3551% | 5,909 |
| Core capital (leverage) ratio | 8.2641% | 5,878 |
| Tier 1 risk-based capital ratio | 10.2376% | 6,326 |
| Total risk-based capital ratio | 11.0864% | 6,411 |
| Memoranda: | ||
| Average total assets | $175,658,330 | 3,300 |
| Average earning assets | $164,294,000 | 3,264 |
| Average equity | $15,323,330 | 3,798 |
| Average total loans | $126,381,670 | 2,940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 2,301 |
| Cost of funding earning assets | 0.6076% | 1,915 |
| Net interest margin | 3.7502% | 2,675 |
| Noninterest income to average assets | 0.6594% | 2,406 |
| Noninterest expense to average assets | 2.3018% | 5,190 |
| Loan and lease loss provision to assets | 0.1428% | 1,706 |
| Net operating income to assets | 1.7043% | 573 |
| Return on assets (ROA) | 1.7043% | 588 |
| Pretax return on assets | 1.7115% | 956 |
| Return on Equity (ROE) | 19.0800% | 352 |
| Retained earnings to average equity (ytd only) | 11.3521% | 696 |
| Net charge-offs to loans | 0.0097% | 3,429 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 259.6667% | 182 |
| Efficiency ratio | 55.3837% | 5,888 |
| Assets per employee ($millions) | 3.7986% | 4,329 |
| Cash dividends to net income (ytd only)* | 40.5028% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 5,660 |
| Loan loss allowance to noncurrent loans | 43.9852% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1487% | 1,560 |
| Noncurrent loans to loans | 2.1847% | 1,669 |
| Net loans and leases to total assets | 71.8703% | 1,594 |
| Net loans and leases to deposits | 80.1724% | 2,271 |
| Net loans and leases to core deposits | 91.9194% | 1,740 |
| Total domestic deposits to total assets | 89.6447% | 1,282 |
| Equity capital to assets | 9.0367% | 5,076 |
| Core capital (leverage) ratio | 9.2440% | 4,656 |
| Tier 1 risk-based capital ratio | 11.8521% | 5,726 |
| Total risk-based capital ratio | 12.7727% | 5,855 |
| Memoranda: | ||
| Average total assets | $168,043,000 | 3,436 |
| Average earning assets | $156,687,000 | 3,395 |
| Average equity | $15,010,500 | 3,862 |
| Average total loans | $123,414,500 | 3,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,822 |
| Cost of funding earning assets | 0.7652% | 1,410 |
| Net interest margin | 3.8500% | 2,469 |
| Noninterest income to average assets | 0.4699% | 3,962 |
| Noninterest expense to average assets | 2.2177% | 5,585 |
| Loan and lease loss provision to assets | 0.1486% | 2,421 |
| Net operating income to assets | 1.6673% | 616 |
| Return on assets (ROA) | 1.6741% | 623 |
| Pretax return on assets | 1.6741% | 1,005 |
| Return on Equity (ROE) | 18.6113% | 368 |
| Retained earnings to average equity (ytd only) | 7.0963% | 1,401 |
| Net charge-offs to loans | 0.1272% | 3,547 |
| Credit loss provision to net charge-offs | 164.3836% | 1,385 |
| Earnings coverage of net charge-offs (x) | 20.0890% | 1,568 |
| Efficiency ratio | 53.7068% | 6,165 |
| Assets per employee ($millions) | 3.5902% | 4,705 |
| Cash dividends to net income (ytd only)* | 61.8713% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 5,844 |
| Loan loss allowance to noncurrent loans | 38.3835% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 2.3736% | 1,458 |
| Noncurrent loans to loans | 2.4083% | 1,589 |
| Net loans and leases to total assets | 73.6601% | 1,406 |
| Net loans and leases to deposits | 84.3286% | 1,886 |
| Net loans and leases to core deposits | 97.1513% | 1,372 |
| Total domestic deposits to total assets | 87.3490% | 2,554 |
| Equity capital to assets | 8.8248% | 5,230 |
| Core capital (leverage) ratio | 9.2261% | 4,680 |
| Tier 1 risk-based capital ratio | 11.7191% | 5,794 |
| Total risk-based capital ratio | 12.6106% | 5,917 |
| Memoranda: | ||
| Average total assets | $161,516,800 | 3,537 |
| Average earning assets | $149,506,400 | 3,510 |
| Average equity | $14,528,800 | 3,959 |
| Average total loans | $114,807,800 | 3,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,724 |
| Cost of funding earning assets | 0.8126% | 1,261 |
| Net interest margin | 3.8465% | 2,479 |
| Noninterest income to average assets | 0.4582% | 4,095 |
| Noninterest expense to average assets | 2.1642% | 5,692 |
| Loan and lease loss provision to assets | 0.1494% | 2,398 |
| Net operating income to assets | 1.6968% | 628 |
| Return on assets (ROA) | 1.7060% | 650 |
| Pretax return on assets | 1.7060% | 1,080 |
| Return on Equity (ROE) | 18.8733% | 379 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,295 |
| Net charge-offs to loans | 0.1442% | 3,102 |
| Credit loss provision to net charge-offs | 147.5410% | 1,595 |
| Earnings coverage of net charge-offs (x) | 18.2298% | 1,696 |
| Efficiency ratio | 52.4115% | 6,227 |
| Assets per employee ($millions) | 3.8221% | 4,186 |
| Cash dividends to net income (ytd only)* | 67.2506% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,012 |
| Loan loss allowance to noncurrent loans | 37.0246% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 1,614 |
| Noncurrent loans to loans | 2.4805% | 1,752 |
| Net loans and leases to total assets | 72.2081% | 1,570 |
| Net loans and leases to deposits | 81.1807% | 2,245 |
| Net loans and leases to core deposits | 90.3254% | 1,937 |
| Total domestic deposits to total assets | 88.9474% | 1,581 |
| Equity capital to assets | 8.7867% | 5,431 |
| Core capital (leverage) ratio | 9.0569% | 5,037 |
| Tier 1 risk-based capital ratio | 11.3249% | 6,139 |
| Total risk-based capital ratio | 12.1808% | 6,276 |
| Memoranda: | ||
| Average total assets | $160,608,750 | 3,588 |
| Average earning assets | $148,322,250 | 3,570 |
| Average equity | $14,517,500 | 4,009 |
| Average total loans | $112,813,750 | 3,210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 1,602 |
| Cost of funding earning assets | 0.8697% | 1,031 |
| Net interest margin | 3.8183% | 2,482 |
| Noninterest income to average assets | 0.4393% | 4,256 |
| Noninterest expense to average assets | 2.2753% | 5,432 |
| Loan and lease loss provision to assets | 0.1506% | 2,439 |
| Net operating income to assets | 1.5286% | 856 |
| Return on assets (ROA) | 1.5286% | 923 |
| Pretax return on assets | 1.5286% | 1,538 |
| Return on Equity (ROE) | 16.7503% | 577 |
| Retained earnings to average equity (ytd only) | 1.7328% | 5,146 |
| Net charge-offs to loans | 0.2226% | 2,401 |
| Credit loss provision to net charge-offs | 97.5610% | 2,293 |
| Earnings coverage of net charge-offs (x) | 10.8780% | 2,111 |
| Efficiency ratio | 55.9505% | 5,970 |
| Assets per employee ($millions) | 3.6779% | 4,449 |
| Cash dividends to net income (ytd only)* | 89.6552% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,110 |
| Loan loss allowance to noncurrent loans | 28.7216% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 3.1225% | 1,280 |
| Noncurrent loans to loans | 3.1612% | 1,389 |
| Net loans and leases to total assets | 70.0046% | 1,885 |
| Net loans and leases to deposits | 77.5827% | 2,623 |
| Net loans and leases to core deposits | 84.7639% | 2,457 |
| Total domestic deposits to total assets | 90.2322% | 896 |
| Equity capital to assets | 8.5745% | 5,692 |
| Core capital (leverage) ratio | 8.7174% | 5,394 |
| Tier 1 risk-based capital ratio | 11.4882% | 6,116 |
| Total risk-based capital ratio | 12.3411% | 6,272 |
| Memoranda: | ||
| Average total assets | $159,361,670 | 3,625 |
| Average earning assets | $146,716,000 | 3,615 |
| Average equity | $14,543,000 | 4,037 |
| Average total loans | $110,493,670 | 3,263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,697 |
| Cost of funding earning assets | 0.9137% | 924 |
| Net interest margin | 3.7298% | 2,734 |
| Noninterest income to average assets | 0.2732% | 5,494 |
| Noninterest expense to average assets | 2.1527% | 5,797 |
| Loan and lease loss provision to assets | 0.1518% | 2,351 |
| Net operating income to assets | 1.3761% | 1,082 |
| Return on assets (ROA) | 1.3761% | 1,171 |
| Pretax return on assets | 1.3761% | 1,935 |
| Return on Equity (ROE) | 14.6271% | 836 |
| Retained earnings to average equity (ytd only) | -6.9102% | 6,468 |
| Net charge-offs to loans | 0.4531% | 1,317 |
| Credit loss provision to net charge-offs | 48.7805% | 2,619 |
| Earnings coverage of net charge-offs (x) | 4.9106% | 2,451 |
| Efficiency ratio | 56.7698% | 5,989 |
| Assets per employee ($millions) | 3.9267% | 4,110 |
| Cash dividends to net income (ytd only)* | 147.2426% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 6,254 |
| Loan loss allowance to noncurrent loans | 25.2844% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 3.3057% | 1,324 |
| Noncurrent loans to loans | 3.5713% | 1,340 |
| Net loans and leases to total assets | 66.6669% | 2,251 |
| Net loans and leases to deposits | 73.5266% | 2,984 |
| Net loans and leases to core deposits | 79.5554% | 2,861 |
| Total domestic deposits to total assets | 90.6704% | 685 |
| Equity capital to assets | 9.1321% | 5,330 |
| Core capital (leverage) ratio | 8.5395% | 5,530 |
| Tier 1 risk-based capital ratio | 11.5780% | 6,138 |
| Total risk-based capital ratio | 12.4122% | 6,315 |
| Memoranda: | ||
| Average total assets | $158,128,500 | 3,683 |
| Average earning assets | $144,460,000 | 3,685 |
| Average equity | $14,876,500 | 4,020 |
| Average total loans | $108,578,000 | 3,321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 1,886 |
| Cost of funding earning assets | 1.1157% | 852 |
| Net interest margin | 3.7697% | 3,361 |
| Noninterest income to average assets | 1.7541% | 531 |
| Noninterest expense to average assets | 2.3572% | 5,540 |
| Loan and lease loss provision to assets | 0.1205% | 4,112 |
| Net operating income to assets | 2.7895% | 111 |
| Return on assets (ROA) | 2.7909% | 119 |
| Pretax return on assets | 2.8001% | 173 |
| Return on Equity (ROE) | 29.1216% | 75 |
| Retained earnings to average equity (ytd only) | 14.3981% | 185 |
| Net charge-offs to loans | 0.0663% | 5,020 |
| Credit loss provision to net charge-offs | 246.3768% | 999 |
| Earnings coverage of net charge-offs (x) | 59.6957% | 599 |
| Efficiency ratio | 43.3311% | 6,869 |
| Assets per employee ($millions) | 3.9811% | 3,992 |
| Cash dividends to net income (ytd only)* | 50.5587% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,109 |
| Loan loss allowance to noncurrent loans | 37.3386% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 1,767 |
| Noncurrent loans to loans | 2.5613% | 2,062 |
| Net loans and leases to total assets | 69.4353% | 1,956 |
| Net loans and leases to deposits | 77.2042% | 2,628 |
| Net loans and leases to core deposits | 83.1897% | 2,644 |
| Total domestic deposits to total assets | 89.9371% | 978 |
| Equity capital to assets | 9.6938% | 4,596 |
| Core capital (leverage) ratio | 9.0336% | 4,840 |
| Tier 1 risk-based capital ratio | 12.1292% | 5,702 |
| Total risk-based capital ratio | 13.0439% | 5,879 |
| Memoranda: | ||
| Average total assets | $141,100,000 | 3,931 |
| Average earning assets | $131,840,600 | 3,855 |
| Average equity | $13,522,600 | 4,254 |
| Average total loans | $104,145,600 | 3,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 1,568 |
| Cost of funding earning assets | 1.1676% | 805 |
| Net interest margin | 3.8787% | 2,988 |
| Noninterest income to average assets | 1.9211% | 443 |
| Noninterest expense to average assets | 2.1876% | 5,981 |
| Loan and lease loss provision to assets | 0.1163% | 4,108 |
| Net operating income to assets | 3.2460% | 89 |
| Return on assets (ROA) | 3.2460% | 93 |
| Pretax return on assets | 3.2586% | 125 |
| Return on Equity (ROE) | 33.9806% | 44 |
| Retained earnings to average equity (ytd only) | 28.2580% | 38 |
| Net charge-offs to loans | -0.0945% | 6,839 |
| Credit loss provision to net charge-offs | -164.3836% | 6,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0206% | 7,043 |
| Assets per employee ($millions) | 4.2289% | 3,407 |
| Cash dividends to net income (ytd only)* | 16.8408% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,046 |
| Loan loss allowance to noncurrent loans | 36.5720% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 2.3483% | 2,264 |
| Noncurrent loans to loans | 2.7568% | 2,054 |
| Net loans and leases to total assets | 73.0703% | 1,378 |
| Net loans and leases to deposits | 81.9325% | 2,127 |
| Net loans and leases to core deposits | 88.3091% | 2,179 |
| Total domestic deposits to total assets | 89.1836% | 1,322 |
| Equity capital to assets | 10.4873% | 3,859 |
| Core capital (leverage) ratio | 9.7316% | 3,901 |
| Tier 1 risk-based capital ratio | 12.7574% | 5,436 |
| Total risk-based capital ratio | 13.7462% | 5,610 |
| Memoranda: | ||
| Average total assets | $137,559,000 | 4,035 |
| Average earning assets | $129,147,750 | 3,959 |
| Average equity | $13,140,500 | 4,371 |
| Average total loans | $102,969,750 | 3,486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 1,897 |
| Cost of funding earning assets | 1.2419% | 678 |
| Net interest margin | 3.7194% | 3,730 |
| Noninterest income to average assets | 0.9739% | 1,534 |
| Noninterest expense to average assets | 2.1799% | 6,058 |
| Loan and lease loss provision to assets | 0.1357% | 3,830 |
| Net operating income to assets | 2.1287% | 314 |
| Return on assets (ROA) | 2.1287% | 357 |
| Pretax return on assets | 2.1483% | 527 |
| Return on Equity (ROE) | 23.1501% | 201 |
| Retained earnings to average equity (ytd only) | 17.4281% | 165 |
| Net charge-offs to loans | -0.0040% | 6,138 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1462% | 6,825 |
| Assets per employee ($millions) | 4.1570% | 3,553 |
| Cash dividends to net income (ytd only)* | 24.7167% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,041 |
| Loan loss allowance to noncurrent loans | 66.2388% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 3,661 |
| Noncurrent loans to loans | 1.5524% | 3,578 |
| Net loans and leases to total assets | 74.6700% | 1,149 |
| Net loans and leases to deposits | 83.2187% | 1,954 |
| Net loans and leases to core deposits | 92.1163% | 1,768 |
| Total domestic deposits to total assets | 89.7274% | 1,092 |
| Equity capital to assets | 9.5449% | 4,997 |
| Core capital (leverage) ratio | 8.5084% | 5,645 |
| Tier 1 risk-based capital ratio | 11.3724% | 6,297 |
| Total risk-based capital ratio | 12.4045% | 6,405 |
| Memoranda: | ||
| Average total assets | $132,665,000 | 4,147 |
| Average earning assets | $124,482,330 | 4,068 |
| Average equity | $12,198,670 | 4,565 |
| Average total loans | $99,834,330 | 3,578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 1,605 |
| Cost of funding earning assets | 1.2724% | 709 |
| Net interest margin | 3.8171% | 3,304 |
| Noninterest income to average assets | 1.3919% | 749 |
| Noninterest expense to average assets | 2.1708% | 6,113 |
| Loan and lease loss provision to assets | 0.1812% | 3,163 |
| Net operating income to assets | 2.5512% | 170 |
| Return on assets (ROA) | 2.5512% | 204 |
| Pretax return on assets | 2.5905% | 294 |
| Return on Equity (ROE) | 28.2857% | 125 |
| Retained earnings to average equity (ytd only) | 22.4612% | 126 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3946% | 7,044 |
| Assets per employee ($millions) | 4.2436% | 3,504 |
| Cash dividends to net income (ytd only)* | 20.5917% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,225 |
| Loan loss allowance to noncurrent loans | 62.3676% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3749% | 3,820 |
| Noncurrent loans to loans | 1.6115% | 3,700 |
| Net loans and leases to total assets | 72.6078% | 1,296 |
| Net loans and leases to deposits | 80.0391% | 2,197 |
| Net loans and leases to core deposits | 89.6271% | 1,888 |
| Total domestic deposits to total assets | 90.7153% | 681 |
| Equity capital to assets | 9.0195% | 5,466 |
| Core capital (leverage) ratio | 8.2854% | 5,898 |
| Tier 1 risk-based capital ratio | 11.2544% | 6,416 |
| Total risk-based capital ratio | 12.2828% | 6,503 |
| Memoranda: | ||
| Average total assets | $132,485,500 | 4,175 |
| Average earning assets | $123,236,500 | 4,129 |
| Average equity | $11,949,500 | 4,620 |
| Average total loans | $99,571,000 | 3,604 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 2,439 |
| Cost of funding earning assets | 1.3901% | 1,085 |
| Net interest margin | 3.7137% | 4,240 |
| Noninterest income to average assets | 0.5110% | 3,774 |
| Noninterest expense to average assets | 2.2631% | 6,142 |
| Loan and lease loss provision to assets | 0.1419% | 4,841 |
| Net operating income to assets | 1.5873% | 683 |
| Return on assets (ROA) | 1.6393% | 665 |
| Pretax return on assets | 1.6464% | 1,105 |
| Return on Equity (ROE) | 18.7038% | 336 |
| Retained earnings to average equity (ytd only) | 10.3370% | 502 |
| Net charge-offs to loans | 0.0847% | 5,477 |
| Credit loss provision to net charge-offs | 216.8675% | 1,127 |
| Earnings coverage of net charge-offs (x) | 26.5301% | 938 |
| Efficiency ratio | 54.6136% | 6,456 |
| Assets per employee ($millions) | 4.0368% | 3,774 |
| Cash dividends to net income (ytd only)* | 44.7330% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 6,419 |
| Loan loss allowance to noncurrent loans | 40.0853% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 2,947 |
| Noncurrent loans to loans | 2.3557% | 2,784 |
| Net loans and leases to total assets | 76.3325% | 901 |
| Net loans and leases to deposits | 85.6607% | 1,709 |
| Net loans and leases to core deposits | 96.2582% | 1,470 |
| Total domestic deposits to total assets | 89.1103% | 1,474 |
| Equity capital to assets | 9.0194% | 5,531 |
| Core capital (leverage) ratio | 8.1077% | 6,132 |
| Tier 1 risk-based capital ratio | 10.5412% | 6,668 |
| Total risk-based capital ratio | 11.5072% | 6,759 |
| Memoranda: | ||
| Average total assets | $126,819,600 | 4,232 |
| Average earning assets | $119,125,200 | 4,154 |
| Average equity | $11,115,400 | 4,753 |
| Average total loans | $97,968,400 | 3,672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 2,497 |
| Cost of funding earning assets | 1.4212% | 1,145 |
| Net interest margin | 3.7027% | 4,319 |
| Noninterest income to average assets | 0.4299% | 4,441 |
| Noninterest expense to average assets | 2.1864% | 6,309 |
| Loan and lease loss provision to assets | 0.1426% | 4,660 |
| Net operating income to assets | 1.5788% | 804 |
| Return on assets (ROA) | 1.6551% | 765 |
| Pretax return on assets | 1.6646% | 1,219 |
| Return on Equity (ROE) | 19.0255% | 380 |
| Retained earnings to average equity (ytd only) | 15.7473% | 193 |
| Net charge-offs to loans | -0.0014% | 6,663 |
| Credit loss provision to net charge-offs | -13,500.0000% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8026% | 6,509 |
| Assets per employee ($millions) | 3.9891% | 3,877 |
| Cash dividends to net income (ytd only)* | 17.2303% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,384 |
| Loan loss allowance to noncurrent loans | 41.6702% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.0447% | 3,085 |
| Noncurrent loans to loans | 2.3320% | 2,970 |
| Net loans and leases to total assets | 78.0783% | 701 |
| Net loans and leases to deposits | 86.4310% | 1,629 |
| Net loans and leases to core deposits | 99.7019% | 1,272 |
| Total domestic deposits to total assets | 90.3361% | 701 |
| Equity capital to assets | 9.3114% | 5,365 |
| Core capital (leverage) ratio | 8.1143% | 6,263 |
| Tier 1 risk-based capital ratio | 10.6729% | 6,714 |
| Total risk-based capital ratio | 11.6785% | 6,787 |
| Memoranda: | ||
| Average total assets | $126,230,250 | 4,266 |
| Average earning assets | $118,865,750 | 4,184 |
| Average equity | $10,981,500 | 4,809 |
| Average total loans | $97,574,500 | 3,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 2,692 |
| Cost of funding earning assets | 1.4350% | 1,258 |
| Net interest margin | 3.6633% | 4,450 |
| Noninterest income to average assets | 0.3435% | 5,130 |
| Noninterest expense to average assets | 2.1995% | 6,387 |
| Loan and lease loss provision to assets | 0.1431% | 4,516 |
| Net operating income to assets | 1.4467% | 985 |
| Return on assets (ROA) | 1.5554% | 849 |
| Pretax return on assets | 1.5697% | 1,325 |
| Return on Equity (ROE) | 18.3146% | 439 |
| Retained earnings to average equity (ytd only) | 15.8240% | 212 |
| Net charge-offs to loans | 0.0021% | 5,858 |
| Credit loss provision to net charge-offs | 9,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,008.0000% | 21 |
| Efficiency ratio | 55.7507% | 6,445 |
| Assets per employee ($millions) | 4.1865% | 3,374 |
| Cash dividends to net income (ytd only)* | 13.5992% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 6,598 |
| Loan loss allowance to noncurrent loans | 28.1062% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5550% | 2,613 |
| Noncurrent loans to loans | 3.2791% | 2,176 |
| Net loans and leases to total assets | 77.1996% | 886 |
| Net loans and leases to deposits | 87.2684% | 1,613 |
| Net loans and leases to core deposits | 101.0367% | 1,255 |
| Total domestic deposits to total assets | 88.4623% | 1,876 |
| Equity capital to assets | 8.6845% | 5,960 |
| Core capital (leverage) ratio | 7.7840% | 6,525 |
| Tier 1 risk-based capital ratio | 9.9938% | 6,974 |
| Total risk-based capital ratio | 10.9627% | 7,053 |
| Memoranda: | ||
| Average total assets | $125,757,000 | 4,308 |
| Average earning assets | $118,746,000 | 4,215 |
| Average equity | $10,680,000 | 4,875 |
| Average total loans | $96,551,000 | 3,783 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 2,755 |
| Cost of funding earning assets | 1.4820% | 1,248 |
| Net interest margin | 3.5918% | 4,605 |
| Noninterest income to average assets | 0.2942% | 5,562 |
| Noninterest expense to average assets | 2.1625% | 6,507 |
| Loan and lease loss provision to assets | 0.1455% | 4,192 |
| Net operating income to assets | 1.3415% | 1,170 |
| Return on assets (ROA) | 1.3415% | 1,219 |
| Pretax return on assets | 1.3706% | 1,812 |
| Return on Equity (ROE) | 15.9854% | 676 |
| Retained earnings to average equity (ytd only) | 10.8623% | 927 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5905% | 6,433 |
| Assets per employee ($millions) | 4.0585% | 3,722 |
| Cash dividends to net income (ytd only)* | 32.0482% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,588 |
| Loan loss allowance to noncurrent loans | 206.5116% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,347 |
| Noncurrent loans to loans | 0.4549% | 6,102 |
| Net loans and leases to total assets | 74.4188% | 1,283 |
| Net loans and leases to deposits | 81.5003% | 2,443 |
| Net loans and leases to core deposits | 91.4999% | 2,176 |
| Total domestic deposits to total assets | 91.3111% | 479 |
| Equity capital to assets | 8.4020% | 6,047 |
| Core capital (leverage) ratio | 7.4847% | 6,737 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,966 |
| Total risk-based capital ratio | 11.1057% | 7,056 |
| Memoranda: | ||
| Average total assets | $123,744,000 | 4,378 |
| Average earning assets | $116,599,000 | 4,285 |
| Average equity | $10,384,500 | 4,947 |
| Average total loans | $94,264,500 | 3,875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 3,199 |
| Cost of funding earning assets | 1.6370% | 1,878 |
| Net interest margin | 3.6476% | 4,586 |
| Noninterest income to average assets | 0.4293% | 4,680 |
| Noninterest expense to average assets | 2.3803% | 6,138 |
| Loan and lease loss provision to assets | 0.1075% | 6,070 |
| Net operating income to assets | 1.3510% | 1,046 |
| Return on assets (ROA) | 1.3527% | 1,119 |
| Pretax return on assets | 1.3604% | 1,772 |
| Return on Equity (ROE) | 15.8506% | 599 |
| Retained earnings to average equity (ytd only) | 8.1703% | 929 |
| Net charge-offs to loans | 0.1019% | 5,844 |
| Credit loss provision to net charge-offs | 136.9565% | 2,795 |
| Earnings coverage of net charge-offs (x) | 18.6739% | 1,097 |
| Efficiency ratio | 59.6627% | 6,096 |
| Assets per employee ($millions) | 3.8023% | 4,252 |
| Cash dividends to net income (ytd only)* | 48.4543% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,734 |
| Loan loss allowance to noncurrent loans | 187.7506% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 6,348 |
| Noncurrent loans to loans | 0.4776% | 6,081 |
| Net loans and leases to total assets | 76.5725% | 1,166 |
| Net loans and leases to deposits | 85.4713% | 2,189 |
| Net loans and leases to core deposits | 97.9942% | 1,799 |
| Total domestic deposits to total assets | 89.5885% | 1,334 |
| Equity capital to assets | 8.3815% | 6,030 |
| Core capital (leverage) ratio | 7.5034% | 6,702 |
| Tier 1 risk-based capital ratio | 9.8769% | 7,025 |
| Total risk-based capital ratio | 10.8352% | 7,124 |
| Memoranda: | ||
| Average total assets | $117,171,600 | 4,548 |
| Average earning assets | $109,770,800 | 4,468 |
| Average equity | $9,999,600 | 5,137 |
| Average total loans | $90,265,400 | 4,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 3,201 |
| Cost of funding earning assets | 1.6778% | 1,978 |
| Net interest margin | 3.6548% | 4,609 |
| Noninterest income to average assets | 0.4676% | 4,434 |
| Noninterest expense to average assets | 2.3955% | 6,051 |
| Loan and lease loss provision to assets | 0.1275% | 5,747 |
| Net operating income to assets | 1.3454% | 1,236 |
| Return on assets (ROA) | 1.3454% | 1,316 |
| Pretax return on assets | 1.3557% | 2,020 |
| Return on Equity (ROE) | 15.6914% | 749 |
| Retained earnings to average equity (ytd only) | 11.0148% | 603 |
| Net charge-offs to loans | 0.1075% | 5,468 |
| Credit loss provision to net charge-offs | 154.1667% | 2,496 |
| Earnings coverage of net charge-offs (x) | 17.9301% | 1,295 |
| Efficiency ratio | 59.5379% | 6,022 |
| Assets per employee ($millions) | 3.8409% | 4,164 |
| Cash dividends to net income (ytd only)* | 29.8036% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,650 |
| Loan loss allowance to noncurrent loans | 120.4545% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 5,958 |
| Noncurrent loans to loans | 0.7705% | 5,670 |
| Net loans and leases to total assets | 76.0253% | 1,403 |
| Net loans and leases to deposits | 84.3350% | 2,647 |
| Net loans and leases to core deposits | 97.5442% | 2,089 |
| Total domestic deposits to total assets | 90.1467% | 807 |
| Equity capital to assets | 8.8824% | 5,729 |
| Core capital (leverage) ratio | 7.6419% | 6,731 |
| Tier 1 risk-based capital ratio | 10.2270% | 6,946 |
| Total risk-based capital ratio | 11.1918% | 7,085 |
| Memoranda: | ||
| Average total assets | $116,046,250 | 4,635 |
| Average earning assets | $108,312,000 | 4,562 |
| Average equity | $9,950,000 | 5,211 |
| Average total loans | $89,329,000 | 4,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3591% | 3,163 |
| Cost of funding earning assets | 1.6932% | 2,152 |
| Net interest margin | 3.6659% | 4,518 |
| Noninterest income to average assets | 0.4503% | 4,512 |
| Noninterest expense to average assets | 2.2792% | 6,406 |
| Loan and lease loss provision to assets | 0.1669% | 5,213 |
| Net operating income to assets | 1.4100% | 1,078 |
| Return on assets (ROA) | 1.4117% | 1,137 |
| Pretax return on assets | 1.4273% | 1,759 |
| Return on Equity (ROE) | 16.6712% | 612 |
| Retained earnings to average equity (ytd only) | 10.7993% | 694 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6233% | 6,556 |
| Assets per employee ($millions) | 3.7121% | 4,435 |
| Cash dividends to net income (ytd only)* | 35.2217% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,417 |
| Loan loss allowance to noncurrent loans | 222.3587% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 6,565 |
| Noncurrent loans to loans | 0.4484% | 6,351 |
| Net loans and leases to total assets | 75.6549% | 1,556 |
| Net loans and leases to deposits | 83.5260% | 2,971 |
| Net loans and leases to core deposits | 96.3939% | 2,403 |
| Total domestic deposits to total assets | 90.5765% | 654 |
| Equity capital to assets | 8.5135% | 6,149 |
| Core capital (leverage) ratio | 7.4073% | 6,913 |
| Tier 1 risk-based capital ratio | 10.3645% | 6,787 |
| Total risk-based capital ratio | 11.4741% | 6,870 |
| Memoranda: | ||
| Average total assets | $115,039,330 | 4,679 |
| Average earning assets | $107,369,000 | 4,614 |
| Average equity | $9,741,330 | 5,275 |
| Average total loans | $88,649,000 | 4,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 3,009 |
| Cost of funding earning assets | 1.7124% | 2,326 |
| Net interest margin | 3.6939% | 4,277 |
| Noninterest income to average assets | 0.4348% | 4,610 |
| Noninterest expense to average assets | 2.4000% | 6,085 |
| Loan and lease loss provision to assets | 0.2863% | 3,738 |
| Net operating income to assets | 1.1700% | 1,615 |
| Return on assets (ROA) | 1.1735% | 1,688 |
| Pretax return on assets | 1.1983% | 2,366 |
| Return on Equity (ROE) | 13.8978% | 1,071 |
| Retained earnings to average equity (ytd only) | 7.8280% | 1,779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5628% | 6,251 |
| Assets per employee ($millions) | 3.8751% | 4,151 |
| Cash dividends to net income (ytd only)* | 43.6747% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,449 |
| Loan loss allowance to noncurrent loans | 209.4118% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 6,563 |
| Noncurrent loans to loans | 0.4790% | 6,338 |
| Net loans and leases to total assets | 75.5533% | 1,632 |
| Net loans and leases to deposits | 83.2201% | 3,072 |
| Net loans and leases to core deposits | 93.6057% | 2,889 |
| Total domestic deposits to total assets | 90.7873% | 616 |
| Equity capital to assets | 8.3267% | 6,268 |
| Core capital (leverage) ratio | 7.3604% | 6,979 |
| Tier 1 risk-based capital ratio | 10.0187% | 7,023 |
| Total risk-based capital ratio | 11.1240% | 7,105 |
| Memoranda: | ||
| Average total assets | $113,165,000 | 4,794 |
| Average earning assets | $105,580,500 | 4,719 |
| Average equity | $9,555,500 | 5,359 |
| Average total loans | $87,586,500 | 4,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 2,951 |
| Cost of funding earning assets | 2.1205% | 2,363 |
| Net interest margin | 3.6108% | 4,517 |
| Noninterest income to average assets | 0.5688% | 3,875 |
| Noninterest expense to average assets | 2.3408% | 6,628 |
| Loan and lease loss provision to assets | 0.0647% | 6,925 |
| Net operating income to assets | 1.5221% | 645 |
| Return on assets (ROA) | 1.4067% | 896 |
| Pretax return on assets | 1.4169% | 1,390 |
| Return on Equity (ROE) | 16.1034% | 544 |
| Retained earnings to average equity (ytd only) | -2.6574% | 5,640 |
| Net charge-offs to loans | 0.0120% | 7,056 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 172.8000% | 164 |
| Efficiency ratio | 57.0791% | 6,882 |
| Assets per employee ($millions) | 3.6692% | 4,595 |
| Cash dividends to net income (ytd only)* | 116.5023% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 6,687 |
| Loan loss allowance to noncurrent loans | 136.1953% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 6,098 |
| Noncurrent loans to loans | 0.6871% | 5,863 |
| Net loans and leases to total assets | 77.8010% | 1,427 |
| Net loans and leases to deposits | 85.9798% | 2,915 |
| Net loans and leases to core deposits | 106.0609% | 3,327 |
| Total domestic deposits to total assets | 90.4876% | 746 |
| Equity capital to assets | 8.5676% | 5,772 |
| Core capital (leverage) ratio | 7.4105% | 6,875 |
| Tier 1 risk-based capital ratio | 10.3887% | 6,507 |
| Total risk-based capital ratio | 11.4518% | 6,653 |
| Memoranda: | ||
| Average total assets | $108,124,200 | 4,874 |
| Average earning assets | $100,918,800 | 4,816 |
| Average equity | $9,445,200 | 5,465 |
| Average total loans | $83,328,400 | 4,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 2,966 |
| Cost of funding earning assets | 1.9899% | 3,409 |
| Net interest margin | 3.7922% | 3,689 |
| Noninterest income to average assets | 0.5487% | 4,089 |
| Noninterest expense to average assets | 2.4056% | 6,399 |
| Loan and lease loss provision to assets | 0.0867% | 6,499 |
| Net operating income to assets | 1.5749% | 697 |
| Return on assets (ROA) | 1.6252% | 683 |
| Pretax return on assets | 1.6388% | 1,094 |
| Return on Equity (ROE) | 18.5135% | 403 |
| Retained earnings to average equity (ytd only) | 2.8786% | 3,719 |
| Net charge-offs to loans | 0.0048% | 6,901 |
| Credit loss provision to net charge-offs | 2,333.3333% | 170 |
| Earnings coverage of net charge-offs (x) | 450.6550% | 78 |
| Efficiency ratio | 56.6788% | 6,910 |
| Assets per employee ($millions) | 3.7522% | 4,305 |
| Cash dividends to net income (ytd only)* | 84.4514% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,547 |
| Loan loss allowance to noncurrent loans | 570.6294% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 6,501 |
| Noncurrent loans to loans | 0.1665% | 7,072 |
| Net loans and leases to total assets | 78.1873% | 1,532 |
| Net loans and leases to deposits | 89.4080% | 2,693 |
| Net loans and leases to core deposits | 112.0332% | 3,020 |
| Total domestic deposits to total assets | 87.4500% | 1,923 |
| Equity capital to assets | 8.9778% | 5,515 |
| Core capital (leverage) ratio | 7.7626% | 6,652 |
| Tier 1 risk-based capital ratio | 10.9702% | 5,981 |
| Total risk-based capital ratio | 12.0208% | 6,155 |
| Memoranda: | ||
| Average total assets | $107,636,000 | 4,919 |
| Average earning assets | $100,238,750 | 4,858 |
| Average equity | $9,448,750 | 5,504 |
| Average total loans | $82,548,000 | 4,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 3,112 |
| Cost of funding earning assets | 2.0244% | 3,658 |
| Net interest margin | 3.7632% | 3,704 |
| Noninterest income to average assets | 0.5073% | 4,384 |
| Noninterest expense to average assets | 2.4225% | 6,392 |
| Loan and lease loss provision to assets | 0.1119% | 6,024 |
| Net operating income to assets | 1.4434% | 939 |
| Return on assets (ROA) | 1.4434% | 1,003 |
| Pretax return on assets | 1.4640% | 1,550 |
| Return on Equity (ROE) | 16.5703% | 635 |
| Retained earnings to average equity (ytd only) | -4.3031% | 6,188 |
| Net charge-offs to loans | 0.0098% | 6,429 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 211.2500% | 200 |
| Efficiency ratio | 58.2556% | 6,824 |
| Assets per employee ($millions) | 3.6614% | 4,423 |
| Cash dividends to net income (ytd only)* | 125.9690% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 6,497 |
| Loan loss allowance to noncurrent loans | 682.2034% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 6,326 |
| Noncurrent loans to loans | 0.1409% | 7,167 |
| Net loans and leases to total assets | 75.5276% | 2,307 |
| Net loans and leases to deposits | 87.3301% | 3,295 |
| Net loans and leases to core deposits | 107.3623% | 3,683 |
| Total domestic deposits to total assets | 86.4851% | 2,516 |
| Equity capital to assets | 8.2874% | 6,350 |
| Core capital (leverage) ratio | 7.5233% | 6,985 |
| Tier 1 risk-based capital ratio | 10.5291% | 6,352 |
| Total risk-based capital ratio | 11.5767% | 6,504 |
| Memoranda: | ||
| Average total assets | $107,243,670 | 4,958 |
| Average earning assets | $99,488,670 | 4,902 |
| Average equity | $9,342,000 | 5,565 |
| Average total loans | $81,432,670 | 4,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8648% | 2,964 |
| Cost of funding earning assets | 2.0697% | 3,795 |
| Net interest margin | 3.7951% | 3,461 |
| Noninterest income to average assets | 0.4153% | 5,094 |
| Noninterest expense to average assets | 2.3862% | 6,244 |
| Loan and lease loss provision to assets | 0.1133% | 5,516 |
| Net operating income to assets | 1.3705% | 1,207 |
| Return on assets (ROA) | 1.3705% | 1,299 |
| Pretax return on assets | 1.4121% | 1,934 |
| Return on Equity (ROE) | 15.3464% | 912 |
| Retained earnings to average equity (ytd only) | 9.2163% | 1,417 |
| Net charge-offs to loans | 0.0100% | 5,504 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 209 |
| Efficiency ratio | 58.5907% | 6,610 |
| Assets per employee ($millions) | 3.5885% | 4,592 |
| Cash dividends to net income (ytd only)* | 39.9449% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,392 |
| Loan loss allowance to noncurrent loans | 318.4426% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 6,039 |
| Noncurrent loans to loans | 0.3033% | 6,676 |
| Net loans and leases to total assets | 74.0031% | 2,754 |
| Net loans and leases to deposits | 84.8932% | 3,838 |
| Net loans and leases to core deposits | 106.0204% | 3,911 |
| Total domestic deposits to total assets | 87.1720% | 2,137 |
| Equity capital to assets | 8.9239% | 5,442 |
| Core capital (leverage) ratio | 8.0504% | 6,379 |
| Tier 1 risk-based capital ratio | 11.3560% | 5,545 |
| Total risk-based capital ratio | 12.3959% | 5,682 |
| Memoranda: | ||
| Average total assets | $105,944,500 | 5,008 |
| Average earning assets | $97,598,500 | 4,983 |
| Average equity | $9,461,500 | 5,548 |
| Average total loans | $80,266,000 | 4,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5402% | 2,761 |
| Cost of funding earning assets | 2.5850% | 3,760 |
| Net interest margin | 3.9551% | 3,336 |
| Noninterest income to average assets | 0.5501% | 4,227 |
| Noninterest expense to average assets | 2.1868% | 6,997 |
| Loan and lease loss provision to assets | 0.0388% | 6,929 |
| Net operating income to assets | 1.9477% | 396 |
| Return on assets (ROA) | 0.9779% | 2,526 |
| Pretax return on assets | 0.9954% | 3,397 |
| Return on Equity (ROE) | 11.5819% | 1,722 |
| Retained earnings to average equity (ytd only) | 3.1942% | 3,161 |
| Net charge-offs to loans | 0.0051% | 6,906 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 521.5000% | 106 |
| Efficiency ratio | 49.6313% | 7,685 |
| Assets per employee ($millions) | 3.4745% | 4,737 |
| Cash dividends to net income (ytd only)* | 72.4206% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 6,475 |
| Loan loss allowance to noncurrent loans | 589.7638% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 6,022 |
| Noncurrent loans to loans | 0.1586% | 6,934 |
| Net loans and leases to total assets | 76.1153% | 2,590 |
| Net loans and leases to deposits | 91.1638% | 3,268 |
| Net loans and leases to core deposits | 113.5753% | 3,387 |
| Total domestic deposits to total assets | 83.4929% | 3,575 |
| Equity capital to assets | 8.9376% | 5,451 |
| Core capital (leverage) ratio | 8.0805% | 6,355 |
| Tier 1 risk-based capital ratio | 11.3720% | 5,361 |
| Total risk-based capital ratio | 12.4053% | 5,478 |
| Memoranda: | ||
| Average total assets | $103,072,800 | 4,959 |
| Average earning assets | $95,394,800 | 4,940 |
| Average equity | $8,703,200 | 5,840 |
| Average total loans | $77,941,400 | 4,587 |