Home > RNB STATE BANK > Performance and Condition Ratios
RNB STATE BANK, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 3,244 |
| Cost of funding earning assets | 1.3644% | 3,576 |
| Net interest margin | 3.5448% | 1,986 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 3.2244% | 849 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.3823% | 3,707 |
| Return on assets (ROA) | 0.0575% | 4,150 |
| Pretax return on assets | 0.0575% | 4,142 |
| Return on Equity (ROE) | 1.1200% | 4,094 |
| Retained earnings to average equity (ytd only) | 1.1160% | 3,649 |
| Net charge-offs to loans | -0.0007% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 88.9657% | 552 |
| Assets per employee ($millions) | 5.1378% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,109 |
| Loan loss allowance to noncurrent loans | 1,455.3333% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,263 |
| Noncurrent loans to loans | 0.1006% | 3,129 |
| Net loans and leases to total assets | 56.0700% | 3,265 |
| Net loans and leases to deposits | 59.2203% | 3,565 |
| Net loans and leases to core deposits | 63.6342% | 3,620 |
| Total domestic deposits to total assets | 94.6700% | 73 |
| Equity capital to assets | 4.9464% | 4,357 |
| Core capital (leverage) ratio | 8.6448% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6101% | 1,362 |
| Memoranda: | ||
| Average total assets | $255,553,000 | 2,672 |
| Average earning assets | $239,080,200 | 2,656 |
| Average equity | $13,172,000 | 3,496 |
| Average total loans | $148,658,400 | 2,745 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8171% | 3,346 |
| Cost of funding earning assets | 1.3596% | 3,579 |
| Net interest margin | 3.4576% | 2,118 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 3.2459% | 786 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.2715% | 3,903 |
| Return on assets (ROA) | 0.2111% | 4,016 |
| Pretax return on assets | 0.2111% | 4,050 |
| Return on Equity (ROE) | 4.0500% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.0529% | 2,836 |
| Net charge-offs to loans | -0.0090% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 91.6667% | 473 |
| Assets per employee ($millions) | 5.0917% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,423.3766% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,301 |
| Noncurrent loans to loans | 0.1012% | 3,179 |
| Net loans and leases to total assets | 58.9400% | 3,021 |
| Net loans and leases to deposits | 62.9498% | 3,430 |
| Net loans and leases to core deposits | 67.8496% | 3,496 |
| Total domestic deposits to total assets | 93.6300% | 55 |
| Equity capital to assets | 5.9529% | 4,350 |
| Core capital (leverage) ratio | 8.9727% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6928% | 1,359 |
| Memoranda: | ||
| Average total assets | $253,934,500 | 2,672 |
| Average earning assets | $237,424,000 | 2,664 |
| Average equity | $13,224,750 | 3,503 |
| Average total loans | $148,550,000 | 2,739 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 3,400 |
| Cost of funding earning assets | 1.3238% | 3,587 |
| Net interest margin | 3.4113% | 2,147 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 3.2800% | 743 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.1986% | 4,007 |
| Return on assets (ROA) | 0.2452% | 3,969 |
| Pretax return on assets | 0.2452% | 4,009 |
| Return on Equity (ROE) | 4.9400% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.9438% | 2,345 |
| Net charge-offs to loans | -0.0122% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 93.6529% | 442 |
| Assets per employee ($millions) | 4.8679% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,368.5535% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,231 |
| Noncurrent loans to loans | 0.1089% | 3,111 |
| Net loans and leases to total assets | 56.8400% | 3,199 |
| Net loans and leases to deposits | 60.1301% | 3,568 |
| Net loans and leases to core deposits | 64.7652% | 3,594 |
| Total domestic deposits to total assets | 94.5300% | 61 |
| Equity capital to assets | 5.0670% | 4,365 |
| Core capital (leverage) ratio | 8.9701% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6902% | 1,345 |
| Memoranda: | ||
| Average total assets | $253,718,333 | 2,674 |
| Average earning assets | $236,744,333 | 2,668 |
| Average equity | $12,581,333 | 3,544 |
| Average total loans | $147,321,333 | 2,746 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,546 |
| Cost of funding earning assets | 1.2605% | 3,622 |
| Net interest margin | 3.3261% | 2,287 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 3.3148% | 711 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.0961% | 4,116 |
| Return on assets (ROA) | 0.1575% | 4,072 |
| Pretax return on assets | 0.1575% | 4,096 |
| Return on Equity (ROE) | 3.2100% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.2105% | 2,922 |
| Net charge-offs to loans | -0.0135% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.5154% | 378 |
| Assets per employee ($millions) | 4.5017% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,121 |
| Loan loss allowance to noncurrent loans | 1,327.6074% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,220 |
| Noncurrent loans to loans | 0.1117% | 3,051 |
| Net loans and leases to total assets | 57.0300% | 3,119 |
| Net loans and leases to deposits | 60.2235% | 3,501 |
| Net loans and leases to core deposits | 64.3215% | 3,580 |
| Total domestic deposits to total assets | 94.6900% | 79 |
| Equity capital to assets | 4.8870% | 4,384 |
| Core capital (leverage) ratio | 8.9860% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4550% | 1,411 |
| Memoranda: | ||
| Average total assets | $254,013,000 | 2,677 |
| Average earning assets | $237,996,000 | 2,665 |
| Average equity | $12,459,000 | 3,561 |
| Average total loans | $147,953,500 | 2,730 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 3,173 |
| Cost of funding earning assets | 1.0597% | 3,172 |
| Net interest margin | 3.3981% | 2,408 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 3.2778% | 758 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.1994% | 4,167 |
| Return on assets (ROA) | 0.2538% | 4,098 |
| Pretax return on assets | 0.2538% | 4,137 |
| Return on Equity (ROE) | 5.8000% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.7985% | 2,320 |
| Net charge-offs to loans | 0.0013% | 2,805 |
| Credit loss provision to net charge-offs | 3,250.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 457 |
| Efficiency ratio | 93.5617% | 311 |
| Assets per employee ($millions) | 4.5702% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,278 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.7600% | 3,062 |
| Net loans and leases to deposits | 61.0279% | 3,470 |
| Net loans and leases to core deposits | 64.5834% | 3,561 |
| Total domestic deposits to total assets | 94.6500% | 72 |
| Equity capital to assets | 4.9225% | 4,427 |
| Core capital (leverage) ratio | 8.9617% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1862% | 1,480 |
| Memoranda: | ||
| Average total assets | $248,273,200 | 2,695 |
| Average earning assets | $231,950,200 | 2,672 |
| Average equity | $10,864,800 | 3,633 |
| Average total loans | $153,881,800 | 2,645 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 3,083 |
| Cost of funding earning assets | 0.9883% | 3,072 |
| Net interest margin | 3.4198% | 2,412 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 3.2266% | 786 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2679% | 4,155 |
| Return on assets (ROA) | 0.2105% | 4,235 |
| Pretax return on assets | 0.2105% | 4,251 |
| Return on Equity (ROE) | 4.9700% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.9720% | 2,940 |
| Net charge-offs to loans | 0.0060% | 2,227 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 78.7143% | 1,057 |
| Efficiency ratio | 91.5400% | 330 |
| Assets per employee ($millions) | 4.6499% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.9300% | 2,570 |
| Net loans and leases to deposits | 67.6796% | 2,999 |
| Net loans and leases to core deposits | 71.2215% | 3,152 |
| Total domestic deposits to total assets | 92.9800% | 305 |
| Equity capital to assets | 3.7379% | 4,428 |
| Core capital (leverage) ratio | 8.9307% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6602% | 1,670 |
| Memoranda: | ||
| Average total assets | $246,359,250 | 2,711 |
| Average earning assets | $230,028,500 | 2,690 |
| Average equity | $10,431,500 | 3,676 |
| Average total loans | $154,857,750 | 2,643 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 3,074 |
| Cost of funding earning assets | 0.8693% | 3,029 |
| Net interest margin | 3.4434% | 2,409 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 3.2006% | 790 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.2964% | 4,161 |
| Return on assets (ROA) | 0.3532% | 4,107 |
| Pretax return on assets | 0.3532% | 4,177 |
| Return on Equity (ROE) | 8.0300% | 3,224 |
| Retained earnings to average equity (ytd only) | 8.0273% | 1,950 |
| Net charge-offs to loans | -0.0026% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.5166% | 340 |
| Assets per employee ($millions) | 4.7520% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,613 |
| Loan loss allowance to noncurrent loans | 784.6154% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,770 |
| Noncurrent loans to loans | 0.1757% | 2,602 |
| Net loans and leases to total assets | 62.0100% | 2,573 |
| Net loans and leases to deposits | 66.8401% | 3,009 |
| Net loans and leases to core deposits | 69.2844% | 3,171 |
| Total domestic deposits to total assets | 92.7800% | 285 |
| Equity capital to assets | 4.3727% | 4,463 |
| Core capital (leverage) ratio | 8.9795% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7968% | 1,625 |
| Memoranda: | ||
| Average total assets | $246,330,333 | 2,714 |
| Average earning assets | $229,828,667 | 2,702 |
| Average equity | $10,838,000 | 3,646 |
| Average total loans | $154,074,667 | 2,639 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,034 |
| Cost of funding earning assets | 0.6536% | 3,207 |
| Net interest margin | 3.5503% | 2,241 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1763% | 832 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.4180% | 4,060 |
| Return on assets (ROA) | 0.5172% | 3,816 |
| Pretax return on assets | 0.5172% | 3,969 |
| Return on Equity (ROE) | 11.7200% | 2,291 |
| Retained earnings to average equity (ytd only) | 11.7186% | 1,316 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.2654% | 455 |
| Assets per employee ($millions) | 4.7520% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,691 |
| Loan loss allowance to noncurrent loans | 806.0837% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 2,781 |
| Noncurrent loans to loans | 0.1714% | 2,625 |
| Net loans and leases to total assets | 61.2500% | 2,536 |
| Net loans and leases to deposits | 64.4011% | 3,054 |
| Net loans and leases to core deposits | 66.0428% | 3,222 |
| Total domestic deposits to total assets | 95.1100% | 85 |
| Equity capital to assets | 4.5086% | 4,491 |
| Core capital (leverage) ratio | 8.9688% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7294% | 1,708 |
| Memoranda: | ||
| Average total assets | $245,944,500 | 2,748 |
| Average earning assets | $230,739,500 | 2,733 |
| Average equity | $10,854,500 | 3,689 |
| Average total loans | $153,422,500 | 2,675 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 2,628 |
| Cost of funding earning assets | 0.1991% | 3,763 |
| Net interest margin | 3.4648% | 2,052 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.9756% | 1,005 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5425% | 4,011 |
| Return on assets (ROA) | 0.3394% | 4,294 |
| Pretax return on assets | 0.3394% | 4,341 |
| Return on Equity (ROE) | 6.3500% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.3452% | 2,513 |
| Net charge-offs to loans | -0.0714% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.2075% | 528 |
| Assets per employee ($millions) | 4.7074% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,629 |
| Loan loss allowance to noncurrent loans | 26,162.5000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,909 |
| Noncurrent loans to loans | 0.0052% | 3,834 |
| Net loans and leases to total assets | 61.8000% | 2,459 |
| Net loans and leases to deposits | 64.8276% | 2,971 |
| Net loans and leases to core deposits | 66.4910% | 3,096 |
| Total domestic deposits to total assets | 95.3300% | 119 |
| Equity capital to assets | 4.3173% | 4,482 |
| Core capital (leverage) ratio | 8.8345% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6078% | 1,761 |
| Memoranda: | ||
| Average total assets | $248,115,000 | 2,741 |
| Average earning assets | $233,056,000 | 2,717 |
| Average equity | $13,269,800 | 3,548 |
| Average total loans | $145,705,800 | 2,671 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 2,552 |
| Cost of funding earning assets | 0.1795% | 3,525 |
| Net interest margin | 3.3405% | 2,169 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.9205% | 1,020 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4820% | 4,112 |
| Return on assets (ROA) | 0.1842% | 4,455 |
| Pretax return on assets | 0.1842% | 4,472 |
| Return on Equity (ROE) | 3.2900% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.2890% | 3,704 |
| Net charge-offs to loans | -0.0955% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3987% | 525 |
| Assets per employee ($millions) | 4.8043% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,774 |
| Loan loss allowance to noncurrent loans | 22,844.4444% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,986 |
| Noncurrent loans to loans | 0.0059% | 3,913 |
| Net loans and leases to total assets | 60.9900% | 2,402 |
| Net loans and leases to deposits | 63.4968% | 2,900 |
| Net loans and leases to core deposits | 65.1567% | 3,013 |
| Total domestic deposits to total assets | 96.0500% | 125 |
| Equity capital to assets | 3.5940% | 4,536 |
| Core capital (leverage) ratio | 8.5678% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2573% | 1,956 |
| Memoranda: | ||
| Average total assets | $248,947,750 | 2,754 |
| Average earning assets | $233,972,750 | 2,730 |
| Average equity | $13,945,250 | 3,520 |
| Average total loans | $143,788,750 | 2,702 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 2,646 |
| Cost of funding earning assets | 0.1528% | 3,532 |
| Net interest margin | 3.1758% | 2,266 |
| Noninterest income to average assets | 0.3013% | 3,353 |
| Noninterest expense to average assets | 2.8874% | 1,014 |
| Loan and lease loss provision to assets | 0.0575% | 1,553 |
| Net operating income to assets | 0.3460% | 4,211 |
| Return on assets (ROA) | 0.0208% | 4,540 |
| Pretax return on assets | 0.0208% | 4,532 |
| Return on Equity (ROE) | 0.3321% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.3321% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7368% | 498 |
| Assets per employee ($millions) | 4.8530% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,325 |
| Loan loss allowance to noncurrent loans | 12,780.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,986 |
| Noncurrent loans to loans | 0.0099% | 3,916 |
| Net loans and leases to total assets | 60.2111% | 2,301 |
| Net loans and leases to deposits | 62.9648% | 2,807 |
| Net loans and leases to core deposits | 67.5088% | 2,697 |
| Total domestic deposits to total assets | 95.6267% | 103 |
| Equity capital to assets | 4.0319% | 4,621 |
| Core capital (leverage) ratio | 8.5251% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,256,667 | 2,777 |
| Average earning assets | $235,591,667 | 2,753 |
| Average equity | $15,658,333 | 3,434 |
| Average total loans | $141,223,333 | 2,741 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1006% | 2,984 |
| Cost of funding earning assets | 0.1366% | 3,681 |
| Net interest margin | 2.9641% | 2,623 |
| Noninterest income to average assets | 0.2909% | 3,383 |
| Noninterest expense to average assets | 2.7898% | 1,177 |
| Loan and lease loss provision to assets | 0.0572% | 1,366 |
| Net operating income to assets | 0.2384% | 4,265 |
| Return on assets (ROA) | -0.1176% | 4,592 |
| Pretax return on assets | -0.1176% | 4,583 |
| Return on Equity (ROE) | -1.6002% | 4,622 |
| Retained earnings to average equity (ytd only) | -1.6002% | 4,212 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4173% | 528 |
| Assets per employee ($millions) | 5.1029% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,040 |
| Loan loss allowance to noncurrent loans | 10,450.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,012 |
| Noncurrent loans to loans | 0.0131% | 3,921 |
| Net loans and leases to total assets | 54.2763% | 2,722 |
| Net loans and leases to deposits | 58.1231% | 3,067 |
| Net loans and leases to core deposits | 59.0541% | 3,233 |
| Total domestic deposits to total assets | 93.3815% | 188 |
| Equity capital to assets | 6.2765% | 4,503 |
| Core capital (leverage) ratio | 8.6151% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,633,000 | 2,776 |
| Average earning assets | $237,242,500 | 2,752 |
| Average equity | $18,498,000 | 3,281 |
| Average total loans | $136,364,000 | 2,779 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 2,635 |
| Cost of funding earning assets | 0.1608% | 3,861 |
| Net interest margin | 3.3482% | 2,174 |
| Noninterest income to average assets | 0.3535% | 3,323 |
| Noninterest expense to average assets | 2.8355% | 1,278 |
| Loan and lease loss provision to assets | 0.0379% | 2,284 |
| Net operating income to assets | 0.6215% | 3,829 |
| Return on assets (ROA) | 0.6536% | 3,796 |
| Pretax return on assets | 0.6536% | 4,026 |
| Return on Equity (ROE) | 7.7311% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.7311% | 1,647 |
| Net charge-offs to loans | -0.0008% | 3,266 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1309% | 740 |
| Assets per employee ($millions) | 5.1678% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,071 |
| Loan loss allowance to noncurrent loans | 7,687.5000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,057 |
| Noncurrent loans to loans | 0.0178% | 3,952 |
| Net loans and leases to total assets | 52.6366% | 2,995 |
| Net loans and leases to deposits | 57.6455% | 3,282 |
| Net loans and leases to core deposits | 58.4614% | 3,438 |
| Total domestic deposits to total assets | 91.3108% | 383 |
| Equity capital to assets | 8.4123% | 4,106 |
| Core capital (leverage) ratio | 8.7001% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,316,800 | 2,808 |
| Average earning assets | $222,657,800 | 2,790 |
| Average equity | $20,061,800 | 3,214 |
| Average total loans | $121,921,600 | 2,938 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 2,642 |
| Cost of funding earning assets | 0.1666% | 3,957 |
| Net interest margin | 3.4005% | 2,152 |
| Noninterest income to average assets | 0.3611% | 3,292 |
| Noninterest expense to average assets | 2.8153% | 1,306 |
| Loan and lease loss provision to assets | 0.0343% | 2,312 |
| Net operating income to assets | 0.6960% | 3,776 |
| Return on assets (ROA) | 0.7394% | 3,738 |
| Pretax return on assets | 0.7394% | 4,002 |
| Return on Equity (ROE) | 8.7349% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.7349% | 1,791 |
| Net charge-offs to loans | -0.0011% | 3,130 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4037% | 783 |
| Assets per employee ($millions) | 5.2208% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,061 |
| Loan loss allowance to noncurrent loans | 6,258.6207% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,146 |
| Noncurrent loans to loans | 0.0222% | 4,036 |
| Net loans and leases to total assets | 52.4118% | 3,157 |
| Net loans and leases to deposits | 57.3658% | 3,458 |
| Net loans and leases to core deposits | 58.3046% | 3,600 |
| Total domestic deposits to total assets | 91.3643% | 268 |
| Equity capital to assets | 8.3187% | 4,326 |
| Core capital (leverage) ratio | 8.4794% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,340,250 | 2,856 |
| Average earning assets | $218,513,000 | 2,846 |
| Average equity | $19,751,750 | 3,274 |
| Average total loans | $118,618,750 | 3,003 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 2,416 |
| Cost of funding earning assets | 0.1715% | 4,030 |
| Net interest margin | 3.5004% | 1,855 |
| Noninterest income to average assets | 0.3602% | 3,299 |
| Noninterest expense to average assets | 2.8387% | 1,271 |
| Loan and lease loss provision to assets | 0.0392% | 2,214 |
| Net operating income to assets | 0.7579% | 3,620 |
| Return on assets (ROA) | 0.8425% | 3,461 |
| Pretax return on assets | 0.8425% | 3,784 |
| Return on Equity (ROE) | 9.8916% | 2,781 |
| Retained earnings to average equity (ytd only) | 9.8916% | 1,428 |
| Net charge-offs to loans | -0.0017% | 3,170 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0763% | 903 |
| Assets per employee ($millions) | 5.1737% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,481 |
| Loan loss allowance to noncurrent loans | 4,864.8649% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,188 |
| Noncurrent loans to loans | 0.0315% | 4,043 |
| Net loans and leases to total assets | 47.5169% | 3,777 |
| Net loans and leases to deposits | 52.0197% | 3,993 |
| Net loans and leases to core deposits | 52.9883% | 4,085 |
| Total domestic deposits to total assets | 91.3440% | 269 |
| Equity capital to assets | 8.2340% | 4,409 |
| Core capital (leverage) ratio | 8.4550% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,328,333 | 2,883 |
| Average earning assets | $214,602,667 | 2,873 |
| Average equity | $19,531,667 | 3,287 |
| Average total loans | $114,684,667 | 3,057 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 2,036 |
| Cost of funding earning assets | 0.1771% | 4,102 |
| Net interest margin | 3.6452% | 1,464 |
| Noninterest income to average assets | 0.3417% | 3,385 |
| Noninterest expense to average assets | 2.8758% | 1,208 |
| Loan and lease loss provision to assets | 0.0540% | 2,028 |
| Net operating income to assets | 0.8183% | 3,361 |
| Return on assets (ROA) | 0.9730% | 2,988 |
| Pretax return on assets | 0.9730% | 3,450 |
| Return on Equity (ROE) | 11.2203% | 2,297 |
| Retained earnings to average equity (ytd only) | 11.2203% | 1,343 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7274% | 1,064 |
| Assets per employee ($millions) | 4.7042% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,520 |
| Loan loss allowance to noncurrent loans | 4,148.8372% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,238 |
| Noncurrent loans to loans | 0.0368% | 4,097 |
| Net loans and leases to total assets | 50.9991% | 3,537 |
| Net loans and leases to deposits | 55.9923% | 3,789 |
| Net loans and leases to core deposits | 57.1885% | 3,894 |
| Total domestic deposits to total assets | 91.0824% | 374 |
| Equity capital to assets | 8.4411% | 4,162 |
| Core capital (leverage) ratio | 8.8695% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,411,500 | 2,911 |
| Average earning assets | $207,835,500 | 2,907 |
| Average equity | $19,286,500 | 3,302 |
| Average total loans | $113,355,500 | 3,081 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 2,472 |
| Cost of funding earning assets | 0.2884% | 4,210 |
| Net interest margin | 3.7947% | 1,513 |
| Noninterest income to average assets | 0.3581% | 3,323 |
| Noninterest expense to average assets | 3.2370% | 994 |
| Loan and lease loss provision to assets | 0.0444% | 3,848 |
| Net operating income to assets | 0.5938% | 3,776 |
| Return on assets (ROA) | 0.6195% | 3,806 |
| Pretax return on assets | 0.6195% | 4,038 |
| Return on Equity (ROE) | 6.6589% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.6708% | 2,436 |
| Net charge-offs to loans | 0.0341% | 2,363 |
| Credit loss provision to net charge-offs | 236.8421% | 1,985 |
| Earnings coverage of net charge-offs (x) | 34.0526% | 1,501 |
| Efficiency ratio | 83.5306% | 667 |
| Assets per employee ($millions) | 4.7614% | 3,643 |
| Cash dividends to net income (ytd only)* | 29.8567% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,301 |
| Loan loss allowance to noncurrent loans | 776.1062% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,790 |
| Noncurrent loans to loans | 0.2059% | 3,467 |
| Net loans and leases to total assets | 49.3177% | 3,876 |
| Net loans and leases to deposits | 54.3887% | 4,092 |
| Net loans and leases to core deposits | 56.2302% | 4,140 |
| Total domestic deposits to total assets | 90.6763% | 310 |
| Equity capital to assets | 8.9091% | 4,136 |
| Core capital (leverage) ratio | 8.6017% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,749,000 | 2,915 |
| Average earning assets | $187,922,200 | 2,929 |
| Average equity | $18,862,000 | 3,292 |
| Average total loans | $111,276,600 | 3,083 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,062 |
| Cost of funding earning assets | 0.3142% | 4,251 |
| Net interest margin | 3.9972% | 1,121 |
| Noninterest income to average assets | 0.3631% | 3,284 |
| Noninterest expense to average assets | 3.3178% | 883 |
| Loan and lease loss provision to assets | 0.0403% | 3,848 |
| Net operating income to assets | 0.7019% | 3,452 |
| Return on assets (ROA) | 0.6932% | 3,580 |
| Pretax return on assets | 0.6932% | 3,918 |
| Return on Equity (ROE) | 7.3655% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.6917% | 2,698 |
| Net charge-offs to loans | 0.0179% | 2,499 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 73.7333% | 963 |
| Efficiency ratio | 81.7190% | 743 |
| Assets per employee ($millions) | 4.6760% | 3,629 |
| Cash dividends to net income (ytd only)* | 36.3020% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,338 |
| Loan loss allowance to noncurrent loans | 449.1003% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 3,550 |
| Noncurrent loans to loans | 0.3376% | 3,070 |
| Net loans and leases to total assets | 51.6283% | 3,988 |
| Net loans and leases to deposits | 56.8685% | 4,217 |
| Net loans and leases to core deposits | 59.0881% | 4,250 |
| Total domestic deposits to total assets | 90.7854% | 213 |
| Equity capital to assets | 8.7709% | 4,274 |
| Core capital (leverage) ratio | 8.6402% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,680,500 | 2,937 |
| Average earning assets | $183,756,750 | 2,944 |
| Average equity | $18,699,250 | 3,307 |
| Average total loans | $111,653,000 | 3,085 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 1,441 |
| Cost of funding earning assets | 0.3461% | 4,288 |
| Net interest margin | 4.3395% | 692 |
| Noninterest income to average assets | 0.3621% | 3,316 |
| Noninterest expense to average assets | 3.4302% | 817 |
| Loan and lease loss provision to assets | 0.0313% | 3,868 |
| Net operating income to assets | 0.9048% | 2,671 |
| Return on assets (ROA) | 0.8234% | 3,081 |
| Pretax return on assets | 0.8234% | 3,525 |
| Return on Equity (ROE) | 8.5265% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.8248% | 2,147 |
| Net charge-offs to loans | -0.0036% | 3,920 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5612% | 1,000 |
| Assets per employee ($millions) | 4.5213% | 3,757 |
| Cash dividends to net income (ytd only)* | 31.6857% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 1,330 |
| Loan loss allowance to noncurrent loans | 466.1290% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,673 |
| Noncurrent loans to loans | 0.3177% | 3,247 |
| Net loans and leases to total assets | 53.1580% | 3,946 |
| Net loans and leases to deposits | 58.5937% | 4,187 |
| Net loans and leases to core deposits | 61.1252% | 4,207 |
| Total domestic deposits to total assets | 90.7230% | 216 |
| Equity capital to assets | 8.8369% | 4,225 |
| Core capital (leverage) ratio | 9.1128% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,650,333 | 2,971 |
| Average earning assets | $176,842,000 | 2,990 |
| Average equity | $18,507,000 | 3,321 |
| Average total loans | $110,467,000 | 3,094 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 2,197 |
| Cost of funding earning assets | 0.3576% | 4,496 |
| Net interest margin | 4.1797% | 965 |
| Noninterest income to average assets | 0.4202% | 2,968 |
| Noninterest expense to average assets | 3.6856% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5744% | 3,675 |
| Return on assets (ROA) | 0.0067% | 4,735 |
| Pretax return on assets | 0.0067% | 4,729 |
| Return on Equity (ROE) | 0.0660% | 4,732 |
| Retained earnings to average equity (ytd only) | -2.6855% | 4,322 |
| Net charge-offs to loans | -0.0037% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5163% | 664 |
| Assets per employee ($millions) | 3.8103% | 4,159 |
| Cash dividends to net income (ytd only)* | 4,166.6667% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 1,124 |
| Loan loss allowance to noncurrent loans | 402.6005% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,514 |
| Noncurrent loans to loans | 0.3920% | 3,080 |
| Net loans and leases to total assets | 59.3017% | 3,563 |
| Net loans and leases to deposits | 66.2721% | 3,848 |
| Net loans and leases to core deposits | 69.6871% | 3,897 |
| Total domestic deposits to total assets | 89.4821% | 479 |
| Equity capital to assets | 10.0254% | 3,760 |
| Core capital (leverage) ratio | 10.2956% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,965,000 | 3,054 |
| Average earning assets | $164,412,000 | 3,069 |
| Average equity | $18,171,500 | 3,353 |
| Average total loans | $107,151,500 | 3,117 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 2,618 |
| Cost of funding earning assets | 0.4276% | 4,349 |
| Net interest margin | 4.1721% | 1,370 |
| Noninterest income to average assets | 0.4267% | 3,125 |
| Noninterest expense to average assets | 3.5734% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6903% | 3,899 |
| Return on assets (ROA) | 0.7605% | 3,751 |
| Pretax return on assets | 0.7605% | 4,057 |
| Return on Equity (ROE) | 7.5968% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.3359% | 2,258 |
| Net charge-offs to loans | 0.0067% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 174.2857% | 435 |
| Efficiency ratio | 83.8089% | 666 |
| Assets per employee ($millions) | 3.5769% | 4,393 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 980 |
| Loan loss allowance to noncurrent loans | 384.1986% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,451 |
| Noncurrent loans to loans | 0.4164% | 2,953 |
| Net loans and leases to total assets | 58.5410% | 3,714 |
| Net loans and leases to deposits | 65.6058% | 3,974 |
| Net loans and leases to core deposits | 69.1215% | 4,010 |
| Total domestic deposits to total assets | 89.2314% | 581 |
| Equity capital to assets | 10.2821% | 3,640 |
| Core capital (leverage) ratio | 9.8522% | 3,673 |
| Tier 1 risk-based capital ratio | 14.5591% | 2,985 |
| Total risk-based capital ratio | 15.8105% | 2,893 |
| Memoranda: | ||
| Average total assets | $176,724,200 | 3,050 |
| Average earning assets | $162,531,400 | 3,061 |
| Average equity | $17,691,600 | 3,371 |
| Average total loans | $104,871,200 | 3,155 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 2,854 |
| Cost of funding earning assets | 0.4253% | 4,417 |
| Net interest margin | 4.1361% | 1,537 |
| Noninterest income to average assets | 0.4268% | 3,164 |
| Noninterest expense to average assets | 3.6005% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6311% | 4,211 |
| Return on assets (ROA) | 0.7295% | 3,982 |
| Pretax return on assets | 0.7295% | 4,279 |
| Return on Equity (ROE) | 7.3373% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.0539% | 2,867 |
| Net charge-offs to loans | 0.0115% | 2,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 92.6642% | 789 |
| Efficiency ratio | 85.0858% | 546 |
| Assets per employee ($millions) | 3.6714% | 4,311 |
| Cash dividends to net income (ytd only)* | 31.1204% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 991 |
| Loan loss allowance to noncurrent loans | 391.7051% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,604 |
| Noncurrent loans to loans | 0.4091% | 3,083 |
| Net loans and leases to total assets | 58.0219% | 3,879 |
| Net loans and leases to deposits | 64.9360% | 4,129 |
| Net loans and leases to core deposits | 70.0922% | 4,050 |
| Total domestic deposits to total assets | 89.3525% | 496 |
| Equity capital to assets | 10.0894% | 3,930 |
| Core capital (leverage) ratio | 10.1766% | 3,449 |
| Tier 1 risk-based capital ratio | 14.3917% | 3,140 |
| Total risk-based capital ratio | 15.6432% | 3,040 |
| Memoranda: | ||
| Average total assets | $176,194,250 | 3,092 |
| Average earning assets | $162,080,000 | 3,097 |
| Average equity | $17,517,250 | 3,413 |
| Average total loans | $104,489,250 | 3,198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,888 |
| Cost of funding earning assets | 0.4115% | 4,463 |
| Net interest margin | 4.1271% | 1,531 |
| Noninterest income to average assets | 0.4207% | 3,132 |
| Noninterest expense to average assets | 3.5768% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6390% | 4,197 |
| Return on assets (ROA) | 0.7659% | 3,833 |
| Pretax return on assets | 0.7659% | 4,180 |
| Return on Equity (ROE) | 7.7430% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.4316% | 2,552 |
| Net charge-offs to loans | -0.0154% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8427% | 601 |
| Assets per employee ($millions) | 3.5487% | 4,438 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,019 |
| Loan loss allowance to noncurrent loans | 370.8423% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 3,499 |
| Noncurrent loans to loans | 0.4323% | 2,984 |
| Net loans and leases to total assets | 60.6005% | 3,686 |
| Net loans and leases to deposits | 68.4089% | 3,943 |
| Net loans and leases to core deposits | 75.4309% | 3,777 |
| Total domestic deposits to total assets | 88.5858% | 839 |
| Equity capital to assets | 10.2911% | 3,707 |
| Core capital (leverage) ratio | 10.2803% | 3,306 |
| Tier 1 risk-based capital ratio | 14.1518% | 3,241 |
| Total risk-based capital ratio | 15.4031% | 3,158 |
| Memoranda: | ||
| Average total assets | $174,958,670 | 3,111 |
| Average earning assets | $160,886,000 | 3,123 |
| Average equity | $17,306,000 | 3,433 |
| Average total loans | $103,958,330 | 3,226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 3,151 |
| Cost of funding earning assets | 0.3889% | 4,535 |
| Net interest margin | 4.0304% | 1,760 |
| Noninterest income to average assets | 0.4103% | 3,110 |
| Noninterest expense to average assets | 3.4827% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6359% | 4,134 |
| Return on assets (ROA) | 0.7977% | 3,674 |
| Pretax return on assets | 0.7977% | 4,050 |
| Return on Equity (ROE) | 8.2297% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.8784% | 2,505 |
| Net charge-offs to loans | -0.0234% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5600% | 668 |
| Assets per employee ($millions) | 3.7614% | 4,257 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 883 |
| Loan loss allowance to noncurrent loans | 355.8091% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 3,490 |
| Noncurrent loans to loans | 0.4744% | 2,893 |
| Net loans and leases to total assets | 57.7351% | 3,918 |
| Net loans and leases to deposits | 64.5634% | 4,149 |
| Net loans and leases to core deposits | 68.6422% | 4,148 |
| Total domestic deposits to total assets | 89.4239% | 678 |
| Equity capital to assets | 10.0016% | 3,827 |
| Core capital (leverage) ratio | 10.0417% | 3,561 |
| Tier 1 risk-based capital ratio | 14.6501% | 3,033 |
| Total risk-based capital ratio | 15.9024% | 2,957 |
| Memoranda: | ||
| Average total assets | $175,494,000 | 3,133 |
| Average earning assets | $161,474,500 | 3,152 |
| Average equity | $17,011,500 | 3,475 |
| Average total loans | $102,390,500 | 3,283 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 3,331 |
| Cost of funding earning assets | 0.2818% | 4,653 |
| Net interest margin | 3.9547% | 2,145 |
| Noninterest income to average assets | 0.4210% | 3,306 |
| Noninterest expense to average assets | 3.3959% | 1,160 |
| Loan and lease loss provision to assets | 0.0783% | 2,562 |
| Net operating income to assets | 0.5949% | 4,432 |
| Return on assets (ROA) | 0.5949% | 4,443 |
| Pretax return on assets | 0.5949% | 4,638 |
| Return on Equity (ROE) | 6.5384% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.0804% | 3,312 |
| Net charge-offs to loans | 0.2345% | 828 |
| Credit loss provision to net charge-offs | 58.8235% | 3,115 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 3,225 |
| Efficiency ratio | 83.4570% | 687 |
| Assets per employee ($millions) | 3.8688% | 4,074 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 913 |
| Loan loss allowance to noncurrent loans | 637.6866% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 4,078 |
| Noncurrent loans to loans | 0.2598% | 3,648 |
| Net loans and leases to total assets | 57.0123% | 4,045 |
| Net loans and leases to deposits | 63.2856% | 4,295 |
| Net loans and leases to core deposits | 67.2473% | 4,283 |
| Total domestic deposits to total assets | 90.0874% | 445 |
| Equity capital to assets | 9.3940% | 4,223 |
| Core capital (leverage) ratio | 9.5831% | 4,023 |
| Tier 1 risk-based capital ratio | 14.4459% | 3,090 |
| Total risk-based capital ratio | 15.6990% | 2,994 |
| Memoranda: | ||
| Average total assets | $178,864,400 | 3,067 |
| Average earning assets | $164,994,600 | 3,081 |
| Average equity | $16,273,000 | 3,491 |
| Average total loans | $101,471,200 | 3,268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,504 |
| Cost of funding earning assets | 0.2689% | 4,681 |
| Net interest margin | 3.8680% | 2,408 |
| Noninterest income to average assets | 0.4303% | 3,284 |
| Noninterest expense to average assets | 3.3569% | 1,186 |
| Loan and lease loss provision to assets | 0.0938% | 2,101 |
| Net operating income to assets | 0.5457% | 4,652 |
| Return on assets (ROA) | 0.5457% | 4,659 |
| Pretax return on assets | 0.5457% | 4,824 |
| Return on Equity (ROE) | 6.0471% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,982 |
| Net charge-offs to loans | -0.0224% | 4,664 |
| Credit loss provision to net charge-offs | -741.1765% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9978% | 639 |
| Assets per employee ($millions) | 3.7646% | 4,221 |
| Cash dividends to net income (ytd only)* | 40.9276% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8455% | 658 |
| Loan loss allowance to noncurrent loans | 332.1976% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 3,386 |
| Noncurrent loans to loans | 0.5555% | 2,716 |
| Net loans and leases to total assets | 57.3957% | 4,099 |
| Net loans and leases to deposits | 63.4973% | 4,362 |
| Net loans and leases to core deposits | 68.6239% | 4,269 |
| Total domestic deposits to total assets | 90.3907% | 382 |
| Equity capital to assets | 9.0277% | 4,522 |
| Core capital (leverage) ratio | 9.5195% | 4,153 |
| Tier 1 risk-based capital ratio | 13.9859% | 3,379 |
| Total risk-based capital ratio | 15.2399% | 3,284 |
| Memoranda: | ||
| Average total assets | $179,089,250 | 3,082 |
| Average earning assets | $165,110,250 | 3,096 |
| Average equity | $16,161,750 | 3,526 |
| Average total loans | $101,046,250 | 3,309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,638 |
| Cost of funding earning assets | 0.2560% | 4,720 |
| Net interest margin | 3.7872% | 2,606 |
| Noninterest income to average assets | 0.4032% | 3,458 |
| Noninterest expense to average assets | 3.3324% | 1,247 |
| Loan and lease loss provision to assets | 0.0941% | 2,039 |
| Net operating income to assets | 0.4727% | 4,815 |
| Return on assets (ROA) | 0.4727% | 4,819 |
| Pretax return on assets | 0.4727% | 4,951 |
| Return on Equity (ROE) | 5.2385% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.7558% | 4,147 |
| Net charge-offs to loans | -0.0201% | 4,573 |
| Credit loss provision to net charge-offs | -840.0000% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4639% | 599 |
| Assets per employee ($millions) | 3.5918% | 4,480 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 55.7521% | 4,185 |
| Net loans and leases to deposits | 63.5098% | 4,316 |
| Net loans and leases to core deposits | 68.7909% | 4,214 |
| Total domestic deposits to total assets | 87.7850% | 1,480 |
| Equity capital to assets | 9.1496% | 4,434 |
| Core capital (leverage) ratio | 9.5745% | 4,022 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,109 |
| Total risk-based capital ratio | 15.7656% | 3,025 |
| Memoranda: | ||
| Average total assets | $178,552,330 | 3,111 |
| Average earning assets | $164,816,670 | 3,118 |
| Average equity | $16,111,330 | 3,550 |
| Average total loans | $99,507,000 | 3,344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,581 |
| Cost of funding earning assets | 0.2403% | 4,761 |
| Net interest margin | 3.7681% | 2,556 |
| Noninterest income to average assets | 0.3759% | 3,620 |
| Noninterest expense to average assets | 3.2720% | 1,401 |
| Loan and lease loss provision to assets | 0.0934% | 1,955 |
| Net operating income to assets | 0.4982% | 4,697 |
| Return on assets (ROA) | 0.4982% | 4,703 |
| Pretax return on assets | 0.4982% | 4,873 |
| Return on Equity (ROE) | 5.5599% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.0778% | 3,976 |
| Net charge-offs to loans | -0.0161% | 4,448 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6862% | 745 |
| Assets per employee ($millions) | 3.8275% | 4,250 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.0328% | 4,208 |
| Net loans and leases to deposits | 62.4818% | 4,305 |
| Net loans and leases to core deposits | 68.7272% | 4,175 |
| Total domestic deposits to total assets | 88.0782% | 1,577 |
| Equity capital to assets | 9.1018% | 4,454 |
| Core capital (leverage) ratio | 9.3711% | 4,222 |
| Tier 1 risk-based capital ratio | 14.5800% | 3,080 |
| Total risk-based capital ratio | 15.8343% | 2,982 |
| Memoranda: | ||
| Average total assets | $179,830,000 | 3,132 |
| Average earning assets | $166,449,000 | 3,134 |
| Average equity | $16,115,500 | 3,573 |
| Average total loans | $99,249,000 | 3,373 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,373 |
| Cost of funding earning assets | 0.2160% | 4,820 |
| Net interest margin | 3.7937% | 2,450 |
| Noninterest income to average assets | 0.4057% | 3,603 |
| Noninterest expense to average assets | 3.0751% | 1,935 |
| Loan and lease loss provision to assets | 0.0988% | 2,252 |
| Net operating income to assets | 0.7505% | 3,391 |
| Return on assets (ROA) | 0.7633% | 3,367 |
| Pretax return on assets | 0.7633% | 4,354 |
| Return on Equity (ROE) | 8.5917% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.7075% | 1,189 |
| Net charge-offs to loans | -0.0128% | 4,852 |
| Credit loss provision to net charge-offs | -1,475.0000% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3592% | 1,300 |
| Assets per employee ($millions) | 3.9912% | 3,977 |
| Cash dividends to net income (ytd only)* | 21.9298% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.3481% | 4,411 |
| Net loans and leases to deposits | 61.1694% | 4,497 |
| Net loans and leases to core deposits | 66.7860% | 4,375 |
| Total domestic deposits to total assets | 87.2138% | 1,892 |
| Equity capital to assets | 8.8270% | 4,874 |
| Core capital (leverage) ratio | 9.2382% | 4,358 |
| Tier 1 risk-based capital ratio | 14.3618% | 3,163 |
| Total risk-based capital ratio | 15.6150% | 3,069 |
| Memoranda: | ||
| Average total assets | $179,215,200 | 3,127 |
| Average earning assets | $166,224,400 | 3,125 |
| Average equity | $15,922,400 | 3,607 |
| Average total loans | $93,993,200 | 3,452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 3,463 |
| Cost of funding earning assets | 0.2185% | 4,825 |
| Net interest margin | 3.7526% | 2,570 |
| Noninterest income to average assets | 0.4214% | 3,544 |
| Noninterest expense to average assets | 3.0713% | 1,890 |
| Loan and lease loss provision to assets | 0.1011% | 2,094 |
| Net operating income to assets | 0.7336% | 3,803 |
| Return on assets (ROA) | 0.7508% | 3,795 |
| Pretax return on assets | 0.7508% | 4,481 |
| Return on Equity (ROE) | 8.4364% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.7542% | 1,822 |
| Net charge-offs to loans | -0.0086% | 4,592 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6317% | 1,253 |
| Assets per employee ($millions) | 4.1689% | 3,704 |
| Cash dividends to net income (ytd only)* | 19.9402% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 873 |
| Loan loss allowance to noncurrent loans | 175,900.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,284 |
| Noncurrent loans to loans | 0.0010% | 5,166 |
| Net loans and leases to total assets | 53.9194% | 4,422 |
| Net loans and leases to deposits | 61.7296% | 4,536 |
| Net loans and leases to core deposits | 66.7334% | 4,443 |
| Total domestic deposits to total assets | 87.3477% | 1,699 |
| Equity capital to assets | 9.0899% | 4,829 |
| Core capital (leverage) ratio | 9.1448% | 4,576 |
| Tier 1 risk-based capital ratio | 14.1901% | 3,357 |
| Total risk-based capital ratio | 15.4431% | 3,259 |
| Memoranda: | ||
| Average total assets | $178,120,000 | 3,166 |
| Average earning assets | $165,390,250 | 3,162 |
| Average equity | $15,851,500 | 3,649 |
| Average total loans | $92,553,500 | 3,512 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 3,380 |
| Cost of funding earning assets | 0.2169% | 4,824 |
| Net interest margin | 3.7310% | 2,541 |
| Noninterest income to average assets | 0.4220% | 3,547 |
| Noninterest expense to average assets | 2.9920% | 2,136 |
| Loan and lease loss provision to assets | 0.1159% | 1,773 |
| Net operating income to assets | 0.7787% | 3,492 |
| Return on assets (ROA) | 0.8046% | 3,437 |
| Pretax return on assets | 0.8046% | 4,255 |
| Return on Equity (ROE) | 9.1062% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.8326% | 1,229 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9832% | 1,586 |
| Assets per employee ($millions) | 4.1518% | 3,712 |
| Cash dividends to net income (ytd only)* | 13.9860% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 885 |
| Loan loss allowance to noncurrent loans | 86,050.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,327 |
| Noncurrent loans to loans | 0.0021% | 5,203 |
| Net loans and leases to total assets | 52.5618% | 4,521 |
| Net loans and leases to deposits | 60.0572% | 4,620 |
| Net loans and leases to core deposits | 68.1856% | 4,336 |
| Total domestic deposits to total assets | 87.5195% | 1,709 |
| Equity capital to assets | 9.0603% | 4,842 |
| Core capital (leverage) ratio | 9.0483% | 4,670 |
| Tier 1 risk-based capital ratio | 14.2764% | 3,276 |
| Total risk-based capital ratio | 15.5298% | 3,197 |
| Memoranda: | ||
| Average total assets | $177,738,670 | 3,183 |
| Average earning assets | $165,047,670 | 3,175 |
| Average equity | $15,703,670 | 3,678 |
| Average total loans | $90,599,000 | 3,566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,616 |
| Cost of funding earning assets | 0.2036% | 4,947 |
| Net interest margin | 3.6376% | 2,744 |
| Noninterest income to average assets | 0.4015% | 3,652 |
| Noninterest expense to average assets | 3.0269% | 2,090 |
| Loan and lease loss provision to assets | 0.0406% | 2,992 |
| Net operating income to assets | 0.7195% | 3,619 |
| Return on assets (ROA) | 0.7714% | 3,413 |
| Pretax return on assets | 0.7714% | 4,211 |
| Return on Equity (ROE) | 8.8441% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.8441% | 1,134 |
| Net charge-offs to loans | -0.0227% | 4,811 |
| Credit loss provision to net charge-offs | -360.0000% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9285% | 1,390 |
| Assets per employee ($millions) | 4.2351% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 939 |
| Loan loss allowance to noncurrent loans | 13,675.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,344 |
| Noncurrent loans to loans | 0.0132% | 5,189 |
| Net loans and leases to total assets | 50.0576% | 4,666 |
| Net loans and leases to deposits | 56.8903% | 4,764 |
| Net loans and leases to core deposits | 65.3689% | 4,469 |
| Total domestic deposits to total assets | 87.9897% | 1,720 |
| Equity capital to assets | 8.8147% | 4,987 |
| Core capital (leverage) ratio | 9.0800% | 4,649 |
| Tier 1 risk-based capital ratio | 14.9693% | 2,979 |
| Total risk-based capital ratio | 16.2226% | 2,905 |
| Memoranda: | ||
| Average total assets | $177,344,500 | 3,214 |
| Average earning assets | $165,053,500 | 3,204 |
| Average equity | $15,468,000 | 3,731 |
| Average total loans | $88,119,500 | 3,644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,146 |
| Cost of funding earning assets | 0.1742% | 5,255 |
| Net interest margin | 3.5486% | 3,255 |
| Noninterest income to average assets | 0.3966% | 3,915 |
| Noninterest expense to average assets | 3.1716% | 1,859 |
| Loan and lease loss provision to assets | 0.0104% | 4,167 |
| Net operating income to assets | 0.5329% | 4,504 |
| Return on assets (ROA) | 0.5329% | 4,593 |
| Pretax return on assets | 0.5329% | 4,961 |
| Return on Equity (ROE) | 5.9322% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.9322% | 1,747 |
| Net charge-offs to loans | -0.0890% | 5,554 |
| Credit loss provision to net charge-offs | -25.3521% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3754% | 870 |
| Assets per employee ($millions) | 3.9292% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 47.4736% | 4,933 |
| Net loans and leases to deposits | 56.4302% | 4,891 |
| Net loans and leases to core deposits | 62.4728% | 4,727 |
| Total domestic deposits to total assets | 84.1281% | 3,379 |
| Equity capital to assets | 8.6287% | 5,165 |
| Core capital (leverage) ratio | 8.9181% | 4,833 |
| Tier 1 risk-based capital ratio | 15.3959% | 2,794 |
| Total risk-based capital ratio | 16.6501% | 2,726 |
| Memoranda: | ||
| Average total assets | $172,467,400 | 3,256 |
| Average earning assets | $161,276,400 | 3,217 |
| Average equity | $15,491,600 | 3,756 |
| Average total loans | $79,759,600 | 3,800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,181 |
| Cost of funding earning assets | 0.1721% | 5,328 |
| Net interest margin | 3.5479% | 3,283 |
| Noninterest income to average assets | 0.4108% | 3,839 |
| Noninterest expense to average assets | 3.1913% | 1,800 |
| Loan and lease loss provision to assets | 0.0140% | 3,975 |
| Net operating income to assets | 0.5251% | 4,592 |
| Return on assets (ROA) | 0.5251% | 4,698 |
| Pretax return on assets | 0.5251% | 5,066 |
| Return on Equity (ROE) | 5.7876% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.7876% | 2,308 |
| Net charge-offs to loans | -0.1141% | 5,619 |
| Credit loss provision to net charge-offs | -26.8657% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5474% | 862 |
| Assets per employee ($millions) | 3.6903% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,298 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.2369% | 5,173 |
| Net loans and leases to deposits | 50.4559% | 5,275 |
| Net loans and leases to core deposits | 55.3367% | 5,181 |
| Total domestic deposits to total assets | 87.6744% | 1,572 |
| Equity capital to assets | 9.0767% | 5,099 |
| Core capital (leverage) ratio | 8.8699% | 4,981 |
| Tier 1 risk-based capital ratio | 16.2810% | 2,510 |
| Total risk-based capital ratio | 17.5363% | 2,454 |
| Memoranda: | ||
| Average total assets | $171,380,250 | 3,276 |
| Average earning assets | $160,353,750 | 3,248 |
| Average equity | $15,550,250 | 3,780 |
| Average total loans | $78,309,750 | 3,869 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,216 |
| Cost of funding earning assets | 0.1767% | 5,358 |
| Net interest margin | 3.5469% | 3,301 |
| Noninterest income to average assets | 0.4060% | 3,831 |
| Noninterest expense to average assets | 3.2231% | 1,755 |
| Loan and lease loss provision to assets | 0.0212% | 3,709 |
| Net operating income to assets | 0.4780% | 4,774 |
| Return on assets (ROA) | 0.4780% | 4,873 |
| Pretax return on assets | 0.4780% | 5,180 |
| Return on Equity (ROE) | 5.2685% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.2685% | 2,574 |
| Net charge-offs to loans | -0.1595% | 5,760 |
| Credit loss provision to net charge-offs | -29.0323% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5885% | 826 |
| Assets per employee ($millions) | 3.3478% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,387 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 45.7663% | 5,143 |
| Net loans and leases to deposits | 53.0820% | 5,192 |
| Net loans and leases to core deposits | 58.0901% | 5,065 |
| Total domestic deposits to total assets | 86.2181% | 2,319 |
| Equity capital to assets | 9.2551% | 5,018 |
| Core capital (leverage) ratio | 8.9958% | 4,836 |
| Tier 1 risk-based capital ratio | 16.0764% | 2,607 |
| Total risk-based capital ratio | 17.3327% | 2,550 |
| Memoranda: | ||
| Average total assets | $169,462,000 | 3,312 |
| Average earning assets | $158,447,000 | 3,289 |
| Average equity | $15,374,330 | 3,815 |
| Average total loans | $77,755,330 | 3,912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,418 |
| Cost of funding earning assets | 0.1800% | 5,376 |
| Net interest margin | 3.4904% | 3,507 |
| Noninterest income to average assets | 0.3909% | 3,898 |
| Noninterest expense to average assets | 3.2247% | 1,777 |
| Loan and lease loss provision to assets | 0.0426% | 3,068 |
| Net operating income to assets | 0.3862% | 5,037 |
| Return on assets (ROA) | 0.3862% | 5,113 |
| Pretax return on assets | 0.3862% | 5,336 |
| Return on Equity (ROE) | 4.3006% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.3006% | 3,331 |
| Net charge-offs to loans | -0.0261% | 4,998 |
| Credit loss provision to net charge-offs | -360.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2620% | 791 |
| Assets per employee ($millions) | 3.3694% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 796 |
| Loan loss allowance to noncurrent loans | 155,200.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,383 |
| Noncurrent loans to loans | 0.0013% | 5,536 |
| Net loans and leases to total assets | 44.7632% | 5,206 |
| Net loans and leases to deposits | 51.1729% | 5,266 |
| Net loans and leases to core deposits | 56.4858% | 5,113 |
| Total domestic deposits to total assets | 87.4744% | 1,947 |
| Equity capital to assets | 9.1719% | 5,018 |
| Core capital (leverage) ratio | 8.8601% | 5,014 |
| Tier 1 risk-based capital ratio | 16.5049% | 2,477 |
| Total risk-based capital ratio | 17.7614% | 2,427 |
| Memoranda: | ||
| Average total assets | $168,823,500 | 3,342 |
| Average earning assets | $157,804,000 | 3,314 |
| Average equity | $15,160,500 | 3,853 |
| Average total loans | $76,758,000 | 3,948 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 5,146 |
| Cost of funding earning assets | 0.1741% | 5,508 |
| Net interest margin | 3.2311% | 4,529 |
| Noninterest income to average assets | 0.4401% | 3,744 |
| Noninterest expense to average assets | 3.1446% | 2,102 |
| Loan and lease loss provision to assets | 0.1900% | 1,167 |
| Net operating income to assets | 0.1280% | 5,716 |
| Return on assets (ROA) | 0.1091% | 5,786 |
| Pretax return on assets | 0.1091% | 5,789 |
| Return on Equity (ROE) | 1.2342% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.2342% | 5,011 |
| Net charge-offs to loans | -0.0522% | 5,566 |
| Credit loss provision to net charge-offs | -847.3684% | 5,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8162% | 643 |
| Assets per employee ($millions) | 3.3835% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,441 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.3455% | 5,260 |
| Net loans and leases to deposits | 50.1383% | 5,385 |
| Net loans and leases to core deposits | 55.0936% | 5,250 |
| Total domestic deposits to total assets | 88.4464% | 1,406 |
| Equity capital to assets | 8.7891% | 5,320 |
| Core capital (leverage) ratio | 8.5723% | 5,354 |
| Tier 1 risk-based capital ratio | 16.5168% | 2,472 |
| Total risk-based capital ratio | 17.7724% | 2,425 |
| Memoranda: | ||
| Average total assets | $169,494,400 | 3,313 |
| Average earning assets | $158,553,800 | 3,271 |
| Average equity | $14,989,400 | 3,837 |
| Average total loans | $72,777,600 | 4,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 5,388 |
| Cost of funding earning assets | 0.1724% | 5,610 |
| Net interest margin | 3.1380% | 4,855 |
| Noninterest income to average assets | 0.4474% | 3,734 |
| Noninterest expense to average assets | 3.0837% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2980% | 5,455 |
| Return on assets (ROA) | 0.2752% | 5,602 |
| Pretax return on assets | 0.2752% | 5,679 |
| Return on Equity (ROE) | 3.1070% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.1070% | 4,243 |
| Net charge-offs to loans | -0.0613% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1881% | 616 |
| Assets per employee ($millions) | 3.6107% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,559 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.7252% | 5,605 |
| Net loans and leases to deposits | 44.8082% | 5,694 |
| Net loans and leases to core deposits | 48.6613% | 5,623 |
| Total domestic deposits to total assets | 88.6561% | 1,200 |
| Equity capital to assets | 8.6885% | 5,581 |
| Core capital (leverage) ratio | 8.6486% | 5,413 |
| Tier 1 risk-based capital ratio | 17.5869% | 2,162 |
| Total risk-based capital ratio | 18.8395% | 2,118 |
| Memoranda: | ||
| Average total assets | $169,574,000 | 3,338 |
| Average earning assets | $158,571,000 | 3,300 |
| Average equity | $15,019,500 | 3,871 |
| Average total loans | $71,834,250 | 4,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 5,464 |
| Cost of funding earning assets | 0.1730% | 5,668 |
| Net interest margin | 3.1120% | 4,942 |
| Noninterest income to average assets | 0.4308% | 3,848 |
| Noninterest expense to average assets | 3.1222% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2142% | 5,661 |
| Return on assets (ROA) | 0.2094% | 5,739 |
| Pretax return on assets | 0.2094% | 5,799 |
| Return on Equity (ROE) | 2.3487% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.3487% | 4,560 |
| Net charge-offs to loans | -0.0695% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5796% | 545 |
| Assets per employee ($millions) | 3.6849% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 1,662 |
| Loan loss allowance to noncurrent loans | 5,690.4762% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,592 |
| Noncurrent loans to loans | 0.0295% | 5,639 |
| Net loans and leases to total assets | 41.2793% | 5,552 |
| Net loans and leases to deposits | 46.4238% | 5,654 |
| Net loans and leases to core deposits | 50.3755% | 5,597 |
| Total domestic deposits to total assets | 88.9183% | 1,178 |
| Equity capital to assets | 8.8358% | 5,398 |
| Core capital (leverage) ratio | 8.7807% | 5,248 |
| Tier 1 risk-based capital ratio | 17.9645% | 2,070 |
| Total risk-based capital ratio | 19.2176% | 2,025 |
| Memoranda: | ||
| Average total assets | $167,124,330 | 3,402 |
| Average earning assets | $156,043,330 | 3,363 |
| Average equity | $14,902,000 | 3,909 |
| Average total loans | $71,950,670 | 4,112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 5,582 |
| Cost of funding earning assets | 0.1730% | 5,748 |
| Net interest margin | 3.0642% | 5,047 |
| Noninterest income to average assets | 0.3953% | 4,045 |
| Noninterest expense to average assets | 3.1579% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0988% | 5,878 |
| Return on assets (ROA) | 0.0916% | 5,948 |
| Pretax return on assets | 0.0916% | 5,957 |
| Return on Equity (ROE) | 1.0226% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.0226% | 5,060 |
| Net charge-offs to loans | -0.0829% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9652% | 467 |
| Assets per employee ($millions) | 3.3333% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 1,971 |
| Loan loss allowance to noncurrent loans | 5,638.0952% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,631 |
| Noncurrent loans to loans | 0.0287% | 5,690 |
| Net loans and leases to total assets | 43.1265% | 5,414 |
| Net loans and leases to deposits | 48.5390% | 5,542 |
| Net loans and leases to core deposits | 52.7654% | 5,442 |
| Total domestic deposits to total assets | 88.8494% | 1,365 |
| Equity capital to assets | 9.0134% | 5,272 |
| Core capital (leverage) ratio | 8.7727% | 5,236 |
| Tier 1 risk-based capital ratio | 17.2257% | 2,398 |
| Total risk-based capital ratio | 18.4776% | 2,354 |
| Memoranda: | ||
| Average total assets | $165,934,500 | 3,427 |
| Average earning assets | $154,951,000 | 3,392 |
| Average equity | $14,864,500 | 3,936 |
| Average total loans | $72,343,500 | 4,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,727 |
| Cost of funding earning assets | 0.1919% | 5,818 |
| Net interest margin | 3.0900% | 5,233 |
| Noninterest income to average assets | 0.5132% | 3,398 |
| Noninterest expense to average assets | 3.3043% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0727% | 5,988 |
| Return on assets (ROA) | 0.0727% | 6,015 |
| Pretax return on assets | 0.0727% | 6,019 |
| Return on Equity (ROE) | 0.7873% | 5,988 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,411 |
| Net charge-offs to loans | -0.0418% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8478% | 431 |
| Assets per employee ($millions) | 3.3041% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,982 |
| Loan loss allowance to noncurrent loans | 5,566.6667% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 5,683 |
| Noncurrent loans to loans | 0.0293% | 5,771 |
| Net loans and leases to total assets | 42.6486% | 5,570 |
| Net loans and leases to deposits | 47.8850% | 5,693 |
| Net loans and leases to core deposits | 52.5022% | 5,590 |
| Total domestic deposits to total assets | 89.0646% | 1,207 |
| Equity capital to assets | 8.9022% | 5,377 |
| Core capital (leverage) ratio | 8.9298% | 5,085 |
| Tier 1 risk-based capital ratio | 17.8228% | 2,195 |
| Total risk-based capital ratio | 19.0760% | 2,162 |
| Memoranda: | ||
| Average total assets | $156,857,800 | 3,536 |
| Average earning assets | $145,370,600 | 3,517 |
| Average equity | $14,479,000 | 3,940 |
| Average total loans | $64,518,400 | 4,348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 5,816 |
| Cost of funding earning assets | 0.1946% | 5,877 |
| Net interest margin | 3.0723% | 5,330 |
| Noninterest income to average assets | 0.5255% | 3,354 |
| Noninterest expense to average assets | 3.3701% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0026% | 6,145 |
| Return on assets (ROA) | -0.0026% | 6,158 |
| Pretax return on assets | -0.0026% | 6,148 |
| Return on Equity (ROE) | -0.0277% | 6,157 |
| Retained earnings to average equity (ytd only) | -0.0277% | 5,798 |
| Net charge-offs to loans | -0.0446% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0767% | 359 |
| Assets per employee ($millions) | 3.1625% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,943 |
| Loan loss allowance to noncurrent loans | 5,056.5217% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 5,764 |
| Noncurrent loans to loans | 0.0338% | 5,891 |
| Net loans and leases to total assets | 42.3131% | 5,648 |
| Net loans and leases to deposits | 47.8444% | 5,772 |
| Net loans and leases to core deposits | 52.6478% | 5,645 |
| Total domestic deposits to total assets | 88.4390% | 1,536 |
| Equity capital to assets | 9.1592% | 5,202 |
| Core capital (leverage) ratio | 9.2832% | 4,660 |
| Tier 1 risk-based capital ratio | 18.3996% | 2,086 |
| Total risk-based capital ratio | 19.6517% | 2,049 |
| Memoranda: | ||
| Average total assets | $154,770,750 | 3,592 |
| Average earning assets | $143,167,250 | 3,587 |
| Average equity | $14,422,000 | 3,977 |
| Average total loans | $62,741,250 | 4,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 5,992 |
| Cost of funding earning assets | 0.1973% | 5,936 |
| Net interest margin | 2.9656% | 5,599 |
| Noninterest income to average assets | 0.4881% | 3,569 |
| Noninterest expense to average assets | 3.3244% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0976% | 6,254 |
| Return on assets (ROA) | -0.0976% | 6,270 |
| Pretax return on assets | -0.0976% | 6,253 |
| Return on Equity (ROE) | -1.0415% | 6,274 |
| Retained earnings to average equity (ytd only) | -1.0415% | 5,859 |
| Net charge-offs to loans | -0.0459% | 5,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0254% | 336 |
| Assets per employee ($millions) | 3.0557% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 1,694 |
| Loan loss allowance to noncurrent loans | 245.2229% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 4,821 |
| Noncurrent loans to loans | 0.7558% | 3,813 |
| Net loans and leases to total assets | 40.0338% | 5,813 |
| Net loans and leases to deposits | 45.4482% | 5,910 |
| Net loans and leases to core deposits | 50.2770% | 5,778 |
| Total domestic deposits to total assets | 88.0866% | 1,858 |
| Equity capital to assets | 9.4681% | 4,780 |
| Core capital (leverage) ratio | 9.4054% | 4,460 |
| Tier 1 risk-based capital ratio | 19.7804% | 1,741 |
| Total risk-based capital ratio | 21.0339% | 1,704 |
| Memoranda: | ||
| Average total assets | $153,652,330 | 3,627 |
| Average earning assets | $141,893,000 | 3,619 |
| Average equity | $14,401,670 | 3,964 |
| Average total loans | $60,964,670 | 4,520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 6,103 |
| Cost of funding earning assets | 0.1966% | 6,029 |
| Net interest margin | 2.9159% | 5,718 |
| Noninterest income to average assets | 0.4387% | 3,878 |
| Noninterest expense to average assets | 3.2683% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1350% | 6,307 |
| Return on assets (ROA) | -0.1350% | 6,314 |
| Pretax return on assets | -0.1350% | 6,304 |
| Return on Equity (ROE) | -1.4475% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.4475% | 5,790 |
| Net charge-offs to loans | -0.1327% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3082% | 364 |
| Assets per employee ($millions) | 3.0602% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 1,648 |
| Loan loss allowance to noncurrent loans | 245.1477% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 4,944 |
| Noncurrent loans to loans | 0.7913% | 3,888 |
| Net loans and leases to total assets | 38.3870% | 5,917 |
| Net loans and leases to deposits | 43.8521% | 5,984 |
| Net loans and leases to core deposits | 48.4824% | 5,847 |
| Total domestic deposits to total assets | 87.5374% | 2,486 |
| Equity capital to assets | 9.4007% | 4,622 |
| Core capital (leverage) ratio | 9.4256% | 4,382 |
| Tier 1 risk-based capital ratio | 20.3858% | 1,622 |
| Total risk-based capital ratio | 21.6403% | 1,587 |
| Memoranda: | ||
| Average total assets | $154,085,500 | 3,646 |
| Average earning assets | $142,394,000 | 3,641 |
| Average equity | $14,369,500 | 3,980 |
| Average total loans | $60,286,500 | 4,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1949% | 6,132 |
| Cost of funding earning assets | 0.2448% | 6,002 |
| Net interest margin | 2.9501% | 5,680 |
| Noninterest income to average assets | 0.6891% | 2,612 |
| Noninterest expense to average assets | 3.4677% | 1,732 |
| Loan and lease loss provision to assets | 0.0393% | 4,334 |
| Net operating income to assets | -0.1186% | 6,320 |
| Return on assets (ROA) | -0.1205% | 6,336 |
| Pretax return on assets | -0.1205% | 6,303 |
| Return on Equity (ROE) | -1.2935% | 6,343 |
| Retained earnings to average equity (ytd only) | -1.2935% | 6,102 |
| Net charge-offs to loans | 0.4079% | 1,652 |
| Credit loss provision to net charge-offs | 24.7934% | 4,355 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,197 |
| Efficiency ratio | 102.3391% | 413 |
| Assets per employee ($millions) | 3.0424% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 1,825 |
| Loan loss allowance to noncurrent loans | 208.0146% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 4,863 |
| Noncurrent loans to loans | 0.9048% | 3,722 |
| Net loans and leases to total assets | 38.3685% | 6,063 |
| Net loans and leases to deposits | 43.8165% | 6,131 |
| Net loans and leases to core deposits | 48.3870% | 6,011 |
| Total domestic deposits to total assets | 87.5665% | 2,440 |
| Equity capital to assets | 9.2517% | 4,745 |
| Core capital (leverage) ratio | 9.2996% | 4,548 |
| Tier 1 risk-based capital ratio | 20.3110% | 1,583 |
| Total risk-based capital ratio | 21.5662% | 1,551 |
| Memoranda: | ||
| Average total assets | $152,667,400 | 3,662 |
| Average earning assets | $139,692,000 | 3,670 |
| Average equity | $14,224,600 | 4,022 |
| Average total loans | $59,327,600 | 4,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 6,198 |
| Cost of funding earning assets | 0.2498% | 6,088 |
| Net interest margin | 2.9471% | 5,704 |
| Noninterest income to average assets | 0.7287% | 2,466 |
| Noninterest expense to average assets | 3.5033% | 1,606 |
| Loan and lease loss provision to assets | 0.0395% | 4,218 |
| Net operating income to assets | -0.1245% | 6,410 |
| Return on assets (ROA) | -0.1272% | 6,440 |
| Pretax return on assets | -0.1272% | 6,420 |
| Return on Equity (ROE) | -1.3622% | 6,447 |
| Retained earnings to average equity (ytd only) | -1.3622% | 6,180 |
| Net charge-offs to loans | 0.5628% | 1,120 |
| Credit loss provision to net charge-offs | 18.0723% | 4,099 |
| Earnings coverage of net charge-offs (x) | -0.3896% | 4,940 |
| Efficiency ratio | 102.4885% | 391 |
| Assets per employee ($millions) | 2.9261% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,012 |
| Loan loss allowance to noncurrent loans | 156.6434% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 4,739 |
| Noncurrent loans to loans | 1.2110% | 3,396 |
| Net loans and leases to total assets | 37.3486% | 6,205 |
| Net loans and leases to deposits | 42.5575% | 6,280 |
| Net loans and leases to core deposits | 47.4362% | 6,149 |
| Total domestic deposits to total assets | 87.7603% | 2,267 |
| Equity capital to assets | 9.1692% | 4,975 |
| Core capital (leverage) ratio | 9.6294% | 4,204 |
| Tier 1 risk-based capital ratio | 20.7996% | 1,533 |
| Total risk-based capital ratio | 22.0541% | 1,505 |
| Memoranda: | ||
| Average total assets | $152,044,000 | 3,706 |
| Average earning assets | $138,753,750 | 3,717 |
| Average equity | $14,192,000 | 4,080 |
| Average total loans | $58,990,750 | 4,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2345% | 6,184 |
| Cost of funding earning assets | 0.2564% | 6,129 |
| Net interest margin | 2.9780% | 5,618 |
| Noninterest income to average assets | 0.6886% | 2,697 |
| Noninterest expense to average assets | 3.6125% | 1,389 |
| Loan and lease loss provision to assets | 0.0596% | 3,812 |
| Net operating income to assets | -0.2768% | 6,539 |
| Return on assets (ROA) | -0.2794% | 6,570 |
| Pretax return on assets | -0.2794% | 6,542 |
| Return on Equity (ROE) | -2.9755% | 6,577 |
| Retained earnings to average equity (ytd only) | -2.9755% | 6,306 |
| Net charge-offs to loans | 0.8817% | 712 |
| Credit loss provision to net charge-offs | 17.3077% | 3,786 |
| Earnings coverage of net charge-offs (x) | -0.6308% | 4,677 |
| Efficiency ratio | 106.3963% | 339 |
| Assets per employee ($millions) | 2.7809% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 2,005 |
| Loan loss allowance to noncurrent loans | 152.5447% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.6317% | 2,661 |
| Noncurrent loans to loans | 1.2680% | 3,436 |
| Net loans and leases to total assets | 38.1484% | 6,171 |
| Net loans and leases to deposits | 43.4655% | 6,255 |
| Net loans and leases to core deposits | 48.6772% | 6,094 |
| Total domestic deposits to total assets | 87.7671% | 2,405 |
| Equity capital to assets | 9.5346% | 4,542 |
| Core capital (leverage) ratio | 9.4535% | 4,314 |
| Tier 1 risk-based capital ratio | 20.1029% | 1,697 |
| Total risk-based capital ratio | 21.3541% | 1,665 |
| Memoranda: | ||
| Average total assets | $151,030,330 | 3,744 |
| Average earning assets | $137,271,670 | 3,772 |
| Average equity | $14,182,670 | 4,114 |
| Average total loans | $58,973,670 | 4,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 6,260 |
| Cost of funding earning assets | 0.2600% | 6,220 |
| Net interest margin | 2.9730% | 5,642 |
| Noninterest income to average assets | 0.7013% | 2,582 |
| Noninterest expense to average assets | 3.6166% | 1,391 |
| Loan and lease loss provision to assets | 0.1178% | 2,764 |
| Net operating income to assets | -0.3402% | 6,600 |
| Return on assets (ROA) | -0.3742% | 6,651 |
| Pretax return on assets | -0.3742% | 6,626 |
| Return on Equity (ROE) | -4.0147% | 6,650 |
| Retained earnings to average equity (ytd only) | -4.0147% | 6,278 |
| Net charge-offs to loans | 0.9566% | 643 |
| Credit loss provision to net charge-offs | 31.4685% | 2,868 |
| Earnings coverage of net charge-offs (x) | -0.5944% | 3,934 |
| Efficiency ratio | 106.5536% | 381 |
| Assets per employee ($millions) | 2.9152% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,781 |
| Loan loss allowance to noncurrent loans | 139.0023% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 2.1195% | 2,217 |
| Noncurrent loans to loans | 1.5144% | 3,280 |
| Net loans and leases to total assets | 37.6111% | 6,172 |
| Net loans and leases to deposits | 42.8008% | 6,280 |
| Net loans and leases to core deposits | 47.5597% | 6,118 |
| Total domestic deposits to total assets | 87.8746% | 2,401 |
| Equity capital to assets | 9.4465% | 4,929 |
| Core capital (leverage) ratio | 9.2714% | 4,454 |
| Tier 1 risk-based capital ratio | 19.4888% | 1,909 |
| Total risk-based capital ratio | 20.7439% | 1,881 |
| Memoranda: | ||
| Average total assets | $152,850,500 | 3,760 |
| Average earning assets | $138,446,000 | 3,785 |
| Average equity | $14,247,500 | 4,150 |
| Average total loans | $59,792,500 | 4,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 6,424 |
| Cost of funding earning assets | 0.3427% | 6,257 |
| Net interest margin | 3.0992% | 5,816 |
| Noninterest income to average assets | 0.0476% | 6,700 |
| Noninterest expense to average assets | 3.6399% | 1,523 |
| Loan and lease loss provision to assets | 0.0205% | 5,646 |
| Net operating income to assets | -0.8190% | 6,681 |
| Return on assets (ROA) | -0.7727% | 6,687 |
| Pretax return on assets | -0.7727% | 6,666 |
| Return on Equity (ROE) | -8.2252% | 6,687 |
| Retained earnings to average equity (ytd only) | -8.2252% | 6,583 |
| Net charge-offs to loans | 0.3247% | 3,024 |
| Credit loss provision to net charge-offs | 15.1961% | 5,343 |
| Earnings coverage of net charge-offs (x) | -5.9167% | 5,917 |
| Efficiency ratio | 128.1024% | 163 |
| Assets per employee ($millions) | 2.8539% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,637 |
| Loan loss allowance to noncurrent loans | 158.6331% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 2.2614% | 2,171 |
| Noncurrent loans to loans | 1.3595% | 3,561 |
| Net loans and leases to total assets | 38.9469% | 6,231 |
| Net loans and leases to deposits | 43.9138% | 6,375 |
| Net loans and leases to core deposits | 48.8699% | 6,219 |
| Total domestic deposits to total assets | 88.6892% | 1,777 |
| Equity capital to assets | 9.1980% | 5,272 |
| Core capital (leverage) ratio | 9.1256% | 4,697 |
| Tier 1 risk-based capital ratio | 18.2853% | 2,174 |
| Total risk-based capital ratio | 19.5292% | 2,134 |
| Memoranda: | ||
| Average total assets | $151,159,800 | 3,753 |
| Average earning assets | $136,259,200 | 3,787 |
| Average equity | $14,200,200 | 4,120 |
| Average total loans | $62,826,000 | 4,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 6,604 |
| Cost of funding earning assets | 0.3545% | 6,355 |
| Net interest margin | 3.0659% | 6,030 |
| Noninterest income to average assets | 0.4591% | 4,219 |
| Noninterest expense to average assets | 3.5730% | 1,608 |
| Loan and lease loss provision to assets | 0.0204% | 5,541 |
| Net operating income to assets | -0.3670% | 6,629 |
| Return on assets (ROA) | -0.3253% | 6,646 |
| Pretax return on assets | -0.3253% | 6,614 |
| Return on Equity (ROE) | -3.4443% | 6,645 |
| Retained earnings to average equity (ytd only) | -3.4443% | 6,512 |
| Net charge-offs to loans | 0.4473% | 2,319 |
| Credit loss provision to net charge-offs | 10.8491% | 5,065 |
| Earnings coverage of net charge-offs (x) | -1.8443% | 5,640 |
| Efficiency ratio | 110.7418% | 294 |
| Assets per employee ($millions) | 3.0317% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 1,671 |
| Loan loss allowance to noncurrent loans | 385.8407% | 972 |
| Noncurrent assets plus other real estate owned to assets | 2.3976% | 2,222 |
| Noncurrent loans to loans | 0.5756% | 5,283 |
| Net loans and leases to total assets | 37.2441% | 6,467 |
| Net loans and leases to deposits | 42.0571% | 6,593 |
| Net loans and leases to core deposits | 46.5386% | 6,486 |
| Total domestic deposits to total assets | 88.5561% | 1,689 |
| Equity capital to assets | 9.4564% | 5,256 |
| Core capital (leverage) ratio | 9.3599% | 4,488 |
| Tier 1 risk-based capital ratio | 18.9596% | 2,024 |
| Total risk-based capital ratio | 20.2165% | 1,990 |
| Memoranda: | ||
| Average total assets | $150,422,250 | 3,814 |
| Average earning assets | $135,770,750 | 3,837 |
| Average equity | $14,206,500 | 4,161 |
| Average total loans | $63,196,500 | 4,637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 6,692 |
| Cost of funding earning assets | 0.3661% | 6,441 |
| Net interest margin | 3.0702% | 6,075 |
| Noninterest income to average assets | 0.7180% | 2,566 |
| Noninterest expense to average assets | 3.9000% | 1,078 |
| Loan and lease loss provision to assets | 0.0107% | 5,526 |
| Net operating income to assets | -0.4241% | 6,698 |
| Return on assets (ROA) | -0.4241% | 6,742 |
| Pretax return on assets | -0.4241% | 6,713 |
| Return on Equity (ROE) | -4.4924% | 6,750 |
| Retained earnings to average equity (ytd only) | -4.4924% | 6,588 |
| Net charge-offs to loans | 0.6622% | 1,664 |
| Credit loss provision to net charge-offs | 3.7383% | 4,793 |
| Earnings coverage of net charge-offs (x) | -1.4393% | 5,349 |
| Efficiency ratio | 111.8553% | 305 |
| Assets per employee ($millions) | 2.9244% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1017% | 1,994 |
| Loan loss allowance to noncurrent loans | 629.7561% | 607 |
| Noncurrent assets plus other real estate owned to assets | 2.4171% | 2,311 |
| Noncurrent loans to loans | 0.3337% | 5,882 |
| Net loans and leases to total assets | 40.3202% | 6,319 |
| Net loans and leases to deposits | 45.7618% | 6,454 |
| Net loans and leases to core deposits | 50.8834% | 6,306 |
| Total domestic deposits to total assets | 88.1090% | 2,071 |
| Equity capital to assets | 9.4632% | 5,113 |
| Core capital (leverage) ratio | 9.2299% | 4,557 |
| Tier 1 risk-based capital ratio | 15.8162% | 3,266 |
| Total risk-based capital ratio | 17.0566% | 3,236 |
| Memoranda: | ||
| Average total assets | $149,024,670 | 3,858 |
| Average earning assets | $134,388,330 | 3,880 |
| Average equity | $14,068,330 | 4,183 |
| Average total loans | $64,631,000 | 4,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 6,708 |
| Cost of funding earning assets | 0.3802% | 6,503 |
| Net interest margin | 3.1126% | 6,005 |
| Noninterest income to average assets | 0.6740% | 2,789 |
| Noninterest expense to average assets | 3.4666% | 1,831 |
| Loan and lease loss provision to assets | 0.0215% | 5,070 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.0302% | 4,265 |
| Credit loss provision to net charge-offs | 160.0000% | 1,582 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 3,524 |
| Efficiency ratio | 99.3841% | 576 |
| Assets per employee ($millions) | 2.9681% | 6,219 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 1,573 |
| Loan loss allowance to noncurrent loans | 80.5153% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.5127% | 2,357 |
| Noncurrent loans to loans | 2.9331% | 2,202 |
| Net loans and leases to total assets | 41.7890% | 6,213 |
| Net loans and leases to deposits | 47.4546% | 6,326 |
| Net loans and leases to core deposits | 53.3365% | 6,110 |
| Total domestic deposits to total assets | 88.0610% | 2,276 |
| Equity capital to assets | 9.5172% | 4,778 |
| Core capital (leverage) ratio | 9.3702% | 4,238 |
| Tier 1 risk-based capital ratio | 15.7653% | 3,307 |
| Total risk-based capital ratio | 17.0152% | 3,278 |
| Memoranda: | ||
| Average total assets | $148,964,000 | 3,890 |
| Average earning assets | $134,677,000 | 3,907 |
| Average equity | $14,045,500 | 4,191 |
| Average total loans | $66,233,000 | 4,578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 6,311 |
| Cost of funding earning assets | 0.4679% | 6,663 |
| Net interest margin | 3.6094% | 4,694 |
| Noninterest income to average assets | 0.5906% | 3,214 |
| Noninterest expense to average assets | 3.7730% | 1,397 |
| Loan and lease loss provision to assets | 0.1547% | 4,691 |
| Net operating income to assets | -0.0746% | 6,138 |
| Return on assets (ROA) | -0.0787% | 6,220 |
| Pretax return on assets | -0.0787% | 6,198 |
| Return on Equity (ROE) | -0.8113% | 6,230 |
| Retained earnings to average equity (ytd only) | -0.8113% | 5,979 |
| Net charge-offs to loans | 0.6553% | 2,513 |
| Credit loss provision to net charge-offs | 44.0546% | 5,552 |
| Earnings coverage of net charge-offs (x) | 0.2281% | 5,655 |
| Efficiency ratio | 97.9218% | 729 |
| Assets per employee ($millions) | 2.9318% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1712% | 1,857 |
| Loan loss allowance to noncurrent loans | 68.4812% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 2.9607% | 2,029 |
| Noncurrent loans to loans | 3.1705% | 2,045 |
| Net loans and leases to total assets | 45.1115% | 6,098 |
| Net loans and leases to deposits | 51.5526% | 6,251 |
| Net loans and leases to core deposits | 58.2824% | 5,983 |
| Total domestic deposits to total assets | 87.5056% | 2,465 |
| Equity capital to assets | 9.3410% | 5,101 |
| Core capital (leverage) ratio | 9.1775% | 4,496 |
| Tier 1 risk-based capital ratio | 14.9618% | 3,662 |
| Total risk-based capital ratio | 16.2112% | 3,622 |
| Memoranda: | ||
| Average total assets | $146,117,800 | 3,874 |
| Average earning assets | $132,071,400 | 3,888 |
| Average equity | $14,174,200 | 4,074 |
| Average total loans | $78,284,800 | 4,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 6,332 |
| Cost of funding earning assets | 0.4892% | 6,745 |
| Net interest margin | 3.6504% | 4,561 |
| Noninterest income to average assets | 0.6223% | 3,044 |
| Noninterest expense to average assets | 3.7310% | 1,436 |
| Loan and lease loss provision to assets | 0.1395% | 4,695 |
| Net operating income to assets | 0.0532% | 6,067 |
| Return on assets (ROA) | 0.0532% | 6,173 |
| Pretax return on assets | 0.0532% | 6,156 |
| Return on Equity (ROE) | 0.5436% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.5436% | 5,793 |
| Net charge-offs to loans | 0.5838% | 2,504 |
| Credit loss provision to net charge-offs | 43.0595% | 5,181 |
| Earnings coverage of net charge-offs (x) | 0.5949% | 5,177 |
| Efficiency ratio | 95.0877% | 865 |
| Assets per employee ($millions) | 2.9702% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 2,014 |
| Loan loss allowance to noncurrent loans | 69.2779% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 3.4119% | 1,853 |
| Noncurrent loans to loans | 3.0638% | 2,263 |
| Net loans and leases to total assets | 49.1543% | 5,816 |
| Net loans and leases to deposits | 56.2102% | 6,013 |
| Net loans and leases to core deposits | 63.8815% | 5,629 |
| Total domestic deposits to total assets | 87.4471% | 2,377 |
| Equity capital to assets | 9.6055% | 4,927 |
| Core capital (leverage) ratio | 9.6577% | 3,906 |
| Tier 1 risk-based capital ratio | 14.4036% | 4,048 |
| Total risk-based capital ratio | 15.6586% | 4,013 |
| Memoranda: | ||
| Average total assets | $145,266,500 | 3,903 |
| Average earning assets | $131,379,250 | 3,928 |
| Average equity | $14,226,000 | 4,084 |
| Average total loans | $80,618,750 | 4,156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 6,378 |
| Cost of funding earning assets | 0.5111% | 6,808 |
| Net interest margin | 3.6421% | 4,552 |
| Noninterest income to average assets | 0.6450% | 2,880 |
| Noninterest expense to average assets | 3.7549% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1914% | 5,764 |
| Return on assets (ROA) | 0.1914% | 5,878 |
| Pretax return on assets | 0.1914% | 5,947 |
| Return on Equity (ROE) | 1.9419% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.9419% | 5,006 |
| Net charge-offs to loans | 0.8689% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.3844% | 5,019 |
| Efficiency ratio | 95.1494% | 918 |
| Assets per employee ($millions) | 2.7543% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,740 |
| Loan loss allowance to noncurrent loans | 40.9666% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 4.1902% | 1,514 |
| Noncurrent loans to loans | 4.5811% | 1,439 |
| Net loans and leases to total assets | 53.0024% | 5,438 |
| Net loans and leases to deposits | 61.1534% | 5,599 |
| Net loans and leases to core deposits | 69.0447% | 5,180 |
| Total domestic deposits to total assets | 86.6713% | 2,945 |
| Equity capital to assets | 10.2085% | 3,871 |
| Core capital (leverage) ratio | 9.8021% | 3,517 |
| Tier 1 risk-based capital ratio | 14.5710% | 3,743 |
| Total risk-based capital ratio | 15.8115% | 3,723 |
| Memoranda: | ||
| Average total assets | $144,186,000 | 3,950 |
| Average earning assets | $130,693,330 | 3,968 |
| Average equity | $14,213,000 | 4,083 |
| Average total loans | $82,631,330 | 4,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 6,493 |
| Cost of funding earning assets | 0.5290% | 6,868 |
| Net interest margin | 3.5737% | 4,700 |
| Noninterest income to average assets | 0.6190% | 3,042 |
| Noninterest expense to average assets | 3.6428% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2328% | 5,670 |
| Return on assets (ROA) | 0.2328% | 5,736 |
| Pretax return on assets | 0.2328% | 5,859 |
| Return on Equity (ROE) | 2.4029% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.4029% | 4,709 |
| Net charge-offs to loans | 0.0326% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,510 |
| Efficiency ratio | 93.9929% | 1,035 |
| Assets per employee ($millions) | 2.7556% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 2,073 |
| Loan loss allowance to noncurrent loans | 35.9151% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 4.1514% | 1,593 |
| Noncurrent loans to loans | 5.9930% | 1,056 |
| Net loans and leases to total assets | 55.2811% | 5,117 |
| Net loans and leases to deposits | 62.9175% | 5,398 |
| Net loans and leases to core deposits | 73.6094% | 4,576 |
| Total domestic deposits to total assets | 87.8629% | 2,453 |
| Equity capital to assets | 9.7187% | 4,153 |
| Core capital (leverage) ratio | 9.4774% | 3,849 |
| Tier 1 risk-based capital ratio | 13.6776% | 4,304 |
| Total risk-based capital ratio | 14.9241% | 4,278 |
| Memoranda: | ||
| Average total assets | $146,043,500 | 3,952 |
| Average earning assets | $133,082,000 | 3,954 |
| Average equity | $14,149,500 | 4,083 |
| Average total loans | $86,008,500 | 4,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 5,601 |
| Cost of funding earning assets | 0.7203% | 6,824 |
| Net interest margin | 4.0356% | 2,861 |
| Noninterest income to average assets | 0.6308% | 3,278 |
| Noninterest expense to average assets | 4.1624% | 949 |
| Loan and lease loss provision to assets | 0.7959% | 2,048 |
| Net operating income to assets | -0.7165% | 6,529 |
| Return on assets (ROA) | -0.7165% | 6,562 |
| Pretax return on assets | -0.7165% | 6,467 |
| Return on Equity (ROE) | -7.1460% | 6,565 |
| Retained earnings to average equity (ytd only) | -7.1460% | 6,465 |
| Net charge-offs to loans | 1.4675% | 1,509 |
| Credit loss provision to net charge-offs | 84.2640% | 5,377 |
| Earnings coverage of net charge-offs (x) | 0.0841% | 6,037 |
| Efficiency ratio | 98.1269% | 865 |
| Assets per employee ($millions) | 2.8635% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 2,323 |
| Loan loss allowance to noncurrent loans | 33.5213% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 4.5878% | 1,457 |
| Noncurrent loans to loans | 5.9428% | 1,056 |
| Net loans and leases to total assets | 60.0668% | 4,669 |
| Net loans and leases to deposits | 68.2813% | 5,067 |
| Net loans and leases to core deposits | 80.0608% | 4,210 |
| Total domestic deposits to total assets | 87.9697% | 2,263 |
| Equity capital to assets | 9.6584% | 4,203 |
| Core capital (leverage) ratio | 9.4155% | 3,822 |
| Tier 1 risk-based capital ratio | 12.8694% | 4,712 |
| Total risk-based capital ratio | 14.1201% | 4,681 |
| Memoranda: | ||
| Average total assets | $145,995,800 | 3,946 |
| Average earning assets | $130,636,800 | 4,000 |
| Average equity | $14,637,600 | 4,008 |
| Average total loans | $93,972,400 | 3,955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 5,579 |
| Cost of funding earning assets | 0.7629% | 6,872 |
| Net interest margin | 4.0565% | 2,826 |
| Noninterest income to average assets | 0.6137% | 3,359 |
| Noninterest expense to average assets | 4.0405% | 1,002 |
| Loan and lease loss provision to assets | 0.3050% | 4,137 |
| Net operating income to assets | -0.1187% | 6,204 |
| Return on assets (ROA) | -0.1187% | 6,292 |
| Pretax return on assets | -0.1187% | 6,242 |
| Return on Equity (ROE) | -1.1735% | 6,302 |
| Retained earnings to average equity (ytd only) | -1.1735% | 6,045 |
| Net charge-offs to loans | 0.8090% | 2,427 |
| Credit loss provision to net charge-offs | 57.8856% | 5,747 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 5,672 |
| Efficiency ratio | 95.5920% | 921 |
| Assets per employee ($millions) | 2.7528% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,440 |
| Loan loss allowance to noncurrent loans | 28.9456% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 5.1790% | 1,219 |
| Noncurrent loans to loans | 6.6066% | 894 |
| Net loans and leases to total assets | 61.7703% | 4,580 |
| Net loans and leases to deposits | 70.9704% | 5,001 |
| Net loans and leases to core deposits | 82.2685% | 4,207 |
| Total domestic deposits to total assets | 87.0367% | 2,507 |
| Equity capital to assets | 10.0496% | 4,096 |
| Core capital (leverage) ratio | 9.9562% | 3,289 |
| Tier 1 risk-based capital ratio | 13.0752% | 4,519 |
| Total risk-based capital ratio | 14.3225% | 4,501 |
| Memoranda: | ||
| Average total assets | $145,985,000 | 4,003 |
| Average earning assets | $130,026,000 | 4,067 |
| Average equity | $14,770,750 | 4,040 |
| Average total loans | $95,089,500 | 3,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 5,535 |
| Cost of funding earning assets | 0.8065% | 6,892 |
| Net interest margin | 4.0633% | 2,731 |
| Noninterest income to average assets | 0.5986% | 3,342 |
| Noninterest expense to average assets | 3.9078% | 1,172 |
| Loan and lease loss provision to assets | 0.1781% | 5,089 |
| Net operating income to assets | 0.1219% | 5,803 |
| Return on assets (ROA) | 0.1219% | 5,909 |
| Pretax return on assets | 0.1219% | 5,934 |
| Return on Equity (ROE) | 1.2021% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.2021% | 5,269 |
| Net charge-offs to loans | 1.0233% | 1,825 |
| Credit loss provision to net charge-offs | 26.4228% | 5,789 |
| Earnings coverage of net charge-offs (x) | 0.4451% | 5,273 |
| Efficiency ratio | 92.8711% | 1,134 |
| Assets per employee ($millions) | 2.6474% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,803 |
| Loan loss allowance to noncurrent loans | 29.5828% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 5.2304% | 1,205 |
| Noncurrent loans to loans | 6.0018% | 1,067 |
| Net loans and leases to total assets | 64.5816% | 4,137 |
| Net loans and leases to deposits | 74.5678% | 4,585 |
| Net loans and leases to core deposits | 85.9891% | 3,840 |
| Total domestic deposits to total assets | 86.6079% | 2,749 |
| Equity capital to assets | 10.5920% | 3,291 |
| Core capital (leverage) ratio | 9.9545% | 3,215 |
| Tier 1 risk-based capital ratio | 13.3267% | 4,186 |
| Total risk-based capital ratio | 14.5724% | 4,147 |
| Memoranda: | ||
| Average total assets | $146,014,330 | 4,030 |
| Average earning assets | $129,697,000 | 4,094 |
| Average equity | $14,807,000 | 4,029 |
| Average total loans | $96,160,000 | 4,012 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 5,042 |
| Cost of funding earning assets | 0.8421% | 6,965 |
| Net interest margin | 4.1530% | 2,214 |
| Noninterest income to average assets | 0.5508% | 3,645 |
| Noninterest expense to average assets | 3.8881% | 1,190 |
| Loan and lease loss provision to assets | 0.0806% | 5,836 |
| Net operating income to assets | 0.2660% | 5,433 |
| Return on assets (ROA) | 0.2660% | 5,554 |
| Pretax return on assets | 0.2660% | 5,697 |
| Return on Equity (ROE) | 2.6794% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.6794% | 4,536 |
| Net charge-offs to loans | -0.0612% | 7,401 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8147% | 1,293 |
| Assets per employee ($millions) | 2.6667% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 1,931 |
| Loan loss allowance to noncurrent loans | 34.0496% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 4.8667% | 1,343 |
| Noncurrent loans to loans | 6.2082% | 1,041 |
| Net loans and leases to total assets | 64.5337% | 4,209 |
| Net loans and leases to deposits | 74.2961% | 4,696 |
| Net loans and leases to core deposits | 88.8375% | 3,515 |
| Total domestic deposits to total assets | 86.8602% | 2,702 |
| Equity capital to assets | 10.1092% | 3,737 |
| Core capital (leverage) ratio | 9.9036% | 3,284 |
| Tier 1 risk-based capital ratio | 12.7900% | 4,491 |
| Total risk-based capital ratio | 14.0410% | 4,455 |
| Memoranda: | ||
| Average total assets | $148,864,500 | 4,031 |
| Average earning assets | $132,049,500 | 4,116 |
| Average equity | $14,779,500 | 4,063 |
| Average total loans | $98,112,500 | 4,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 5,701 |
| Cost of funding earning assets | 1.0123% | 7,185 |
| Net interest margin | 4.1760% | 2,152 |
| Noninterest income to average assets | 0.5313% | 4,168 |
| Noninterest expense to average assets | 3.9966% | 1,367 |
| Loan and lease loss provision to assets | 1.0918% | 2,090 |
| Net operating income to assets | -0.7848% | 6,425 |
| Return on assets (ROA) | -0.6107% | 6,277 |
| Pretax return on assets | -0.6107% | 6,108 |
| Return on Equity (ROE) | -6.1877% | 6,324 |
| Retained earnings to average equity (ytd only) | -6.4558% | 6,189 |
| Net charge-offs to loans | 1.0555% | 2,299 |
| Credit loss provision to net charge-offs | 151.3761% | 3,046 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 5,676 |
| Efficiency ratio | 92.8659% | 1,494 |
| Assets per employee ($millions) | 2.6975% | 6,861 |
| Cash dividends to net income (ytd only)* | -4.3337% | 7,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,000 |
| Loan loss allowance to noncurrent loans | 34.4121% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 4.5968% | 1,397 |
| Noncurrent loans to loans | 5.8364% | 1,078 |
| Net loans and leases to total assets | 64.5644% | 4,478 |
| Net loans and leases to deposits | 74.3813% | 4,972 |
| Net loans and leases to core deposits | 96.1911% | 4,450 |
| Total domestic deposits to total assets | 86.8019% | 2,606 |
| Equity capital to assets | 9.7524% | 4,061 |
| Core capital (leverage) ratio | 9.4716% | 3,752 |
| Tier 1 risk-based capital ratio | 12.6363% | 4,412 |
| Total risk-based capital ratio | 13.8870% | 4,351 |
| Memoranda: | ||
| Average total assets | $151,127,200 | 3,941 |
| Average earning assets | $136,516,600 | 3,970 |
| Average equity | $14,916,800 | 4,074 |
| Average total loans | $103,265,800 | 3,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 5,191 |
| Cost of funding earning assets | 1.0395% | 7,307 |
| Net interest margin | 4.3070% | 1,711 |
| Noninterest income to average assets | 0.5187% | 4,330 |
| Noninterest expense to average assets | 3.9485% | 1,353 |
| Loan and lease loss provision to assets | 0.6219% | 2,906 |
| Net operating income to assets | -0.1261% | 5,935 |
| Return on assets (ROA) | 0.0997% | 5,513 |
| Pretax return on assets | 0.0997% | 5,525 |
| Return on Equity (ROE) | 1.0069% | 5,495 |
| Retained earnings to average equity (ytd only) | 0.6505% | 4,917 |
| Net charge-offs to loans | 0.6846% | 2,644 |
| Credit loss provision to net charge-offs | 131.7757% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.0505% | 5,005 |
| Efficiency ratio | 88.8448% | 1,788 |
| Assets per employee ($millions) | 2.6152% | 7,020 |
| Cash dividends to net income (ytd only)* | 35.3976% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,279 |
| Loan loss allowance to noncurrent loans | 69.3834% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3563% | 2,923 |
| Noncurrent loans to loans | 2.2052% | 3,372 |
| Net loans and leases to total assets | 68.2689% | 3,899 |
| Net loans and leases to deposits | 78.4697% | 4,670 |
| Net loans and leases to core deposits | 101.9705% | 4,160 |
| Total domestic deposits to total assets | 87.0003% | 2,180 |
| Equity capital to assets | 9.7639% | 4,401 |
| Core capital (leverage) ratio | 9.4741% | 3,947 |
| Tier 1 risk-based capital ratio | 12.1336% | 4,850 |
| Total risk-based capital ratio | 13.3802% | 4,803 |
| Memoranda: | ||
| Average total assets | $151,144,000 | 3,962 |
| Average earning assets | $137,758,250 | 3,972 |
| Average equity | $14,963,000 | 4,100 |
| Average total loans | $104,199,750 | 3,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 5,404 |
| Cost of funding earning assets | 1.0741% | 7,428 |
| Net interest margin | 4.2746% | 1,732 |
| Noninterest income to average assets | 0.5008% | 4,438 |
| Noninterest expense to average assets | 3.9731% | 1,363 |
| Loan and lease loss provision to assets | 0.4637% | 3,209 |
| Net operating income to assets | -0.0344% | 5,903 |
| Return on assets (ROA) | -0.0344% | 5,966 |
| Pretax return on assets | -0.0344% | 5,913 |
| Return on Equity (ROE) | -0.3463% | 5,971 |
| Retained earnings to average equity (ytd only) | -0.8792% | 5,450 |
| Net charge-offs to loans | 0.8856% | 1,924 |
| Credit loss provision to net charge-offs | 76.0870% | 5,301 |
| Earnings coverage of net charge-offs (x) | 0.7043% | 5,013 |
| Efficiency ratio | 90.2498% | 1,783 |
| Assets per employee ($millions) | 2.6106% | 7,033 |
| Cash dividends to net income (ytd only)* | -153.8462% | 8,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 4,432 |
| Loan loss allowance to noncurrent loans | 56.5773% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.3802% | 2,723 |
| Noncurrent loans to loans | 2.2524% | 3,184 |
| Net loans and leases to total assets | 67.9977% | 4,151 |
| Net loans and leases to deposits | 78.3248% | 4,814 |
| Net loans and leases to core deposits | 103.9318% | 4,069 |
| Total domestic deposits to total assets | 86.8150% | 2,352 |
| Equity capital to assets | 9.8293% | 4,178 |
| Core capital (leverage) ratio | 9.4057% | 4,021 |
| Tier 1 risk-based capital ratio | 12.0544% | 4,873 |
| Total risk-based capital ratio | 13.1751% | 4,898 |
| Memoranda: | ||
| Average total assets | $150,965,000 | 3,977 |
| Average earning assets | $137,792,000 | 3,992 |
| Average equity | $15,014,000 | 4,111 |
| Average total loans | $103,879,670 | 3,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 5,102 |
| Cost of funding earning assets | 1.1032% | 7,514 |
| Net interest margin | 4.3605% | 1,441 |
| Noninterest income to average assets | 0.5068% | 4,260 |
| Noninterest expense to average assets | 4.0148% | 1,168 |
| Loan and lease loss provision to assets | 0.0796% | 5,957 |
| Net operating income to assets | 0.4086% | 4,822 |
| Return on assets (ROA) | 0.4086% | 5,001 |
| Pretax return on assets | 0.4086% | 5,370 |
| Return on Equity (ROE) | 4.0850% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.0240% | 4,195 |
| Net charge-offs to loans | 0.4861% | 2,241 |
| Credit loss provision to net charge-offs | 23.8095% | 5,028 |
| Earnings coverage of net charge-offs (x) | 1.4603% | 4,002 |
| Efficiency ratio | 89.1573% | 1,794 |
| Assets per employee ($millions) | 2.5592% | 7,165 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,262 |
| Loan loss allowance to noncurrent loans | 64.2105% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.1114% | 2,734 |
| Noncurrent loans to loans | 1.9805% | 3,289 |
| Net loans and leases to total assets | 69.0012% | 3,914 |
| Net loans and leases to deposits | 82.5538% | 4,201 |
| Net loans and leases to core deposits | 110.7053% | 3,344 |
| Total domestic deposits to total assets | 83.5833% | 3,885 |
| Equity capital to assets | 10.0130% | 3,991 |
| Core capital (leverage) ratio | 9.5806% | 3,894 |
| Tier 1 risk-based capital ratio | 12.0664% | 4,907 |
| Total risk-based capital ratio | 13.1851% | 4,923 |
| Memoranda: | ||
| Average total assets | $150,740,500 | 3,998 |
| Average earning assets | $138,149,500 | 3,992 |
| Average equity | $15,079,500 | 4,127 |
| Average total loans | $103,676,000 | 3,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9417% | 5,842 |
| Cost of funding earning assets | 1.7040% | 7,250 |
| Net interest margin | 4.2377% | 2,168 |
| Noninterest income to average assets | 0.5242% | 4,428 |
| Noninterest expense to average assets | 3.5975% | 2,151 |
| Loan and lease loss provision to assets | 0.2415% | 4,492 |
| Net operating income to assets | 0.5829% | 4,378 |
| Return on assets (ROA) | 0.5784% | 4,265 |
| Pretax return on assets | 0.5784% | 4,761 |
| Return on Equity (ROE) | 6.0039% | 3,938 |
| Retained earnings to average equity (ytd only) | 1.9381% | 4,026 |
| Net charge-offs to loans | 0.1513% | 4,692 |
| Credit loss provision to net charge-offs | 232.7044% | 2,045 |
| Earnings coverage of net charge-offs (x) | 7.9434% | 2,981 |
| Efficiency ratio | 81.3552% | 2,394 |
| Assets per employee ($millions) | 2.6401% | 6,918 |
| Cash dividends to net income (ytd only)* | 67.7201% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,117 |
| Loan loss allowance to noncurrent loans | 60.1337% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.2646% | 2,152 |
| Noncurrent loans to loans | 2.3502% | 2,341 |
| Net loans and leases to total assets | 66.7057% | 4,707 |
| Net loans and leases to deposits | 77.6137% | 5,388 |
| Net loans and leases to core deposits | 100.9118% | 4,732 |
| Total domestic deposits to total assets | 85.9457% | 2,425 |
| Equity capital to assets | 9.9942% | 4,043 |
| Core capital (leverage) ratio | 9.4087% | 4,145 |
| Tier 1 risk-based capital ratio | 12.3561% | 4,546 |
| Total risk-based capital ratio | 13.5599% | 4,464 |
| Memoranda: | ||
| Average total assets | $153,189,200 | 3,839 |
| Average earning assets | $140,902,600 | 3,829 |
| Average equity | $14,757,000 | 4,185 |
| Average total loans | $105,112,000 | 3,821 |