Home > Solutions Bank > Performance and Condition Ratios
Solutions Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 3,010 |
| Cost of funding earning assets | 2.2789% | 1,261 |
| Net interest margin | 2.7810% | 3,738 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 1.9758% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8684% | 2,666 |
| Return on assets (ROA) | 0.8659% | 2,681 |
| Pretax return on assets | 0.8659% | 3,046 |
| Return on Equity (ROE) | 19.2500% | 505 |
| Retained earnings to average equity (ytd only) | 7.9890% | 1,689 |
| Net charge-offs to loans | 0.0172% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 97.0909% | 710 |
| Efficiency ratio | 69.4683% | 1,884 |
| Assets per employee ($millions) | 7.6963% | 1,751 |
| Cash dividends to net income (ytd only)* | 58.4977% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 3,613 |
| Loan loss allowance to noncurrent loans | 49.8469% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 782 |
| Noncurrent loans to loans | 1.8033% | 497 |
| Net loans and leases to total assets | 51.0100% | 3,520 |
| Net loans and leases to deposits | 62.6089% | 3,342 |
| Net loans and leases to core deposits | 71.3896% | 3,222 |
| Total domestic deposits to total assets | 81.4700% | 3,405 |
| Equity capital to assets | 4.7170% | 4,392 |
| Core capital (leverage) ratio | 8.5422% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9948% | 2,210 |
| Memoranda: | ||
| Average total assets | $491,963,000 | 1,800 |
| Average earning assets | $457,243,000 | 1,791 |
| Average equity | $22,130,500 | 2,878 |
| Average total loans | $256,040,000 | 2,090 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 2,930 |
| Cost of funding earning assets | 2.6183% | 943 |
| Net interest margin | 2.4737% | 3,928 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.1433% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4432% | 3,598 |
| Return on assets (ROA) | 0.4373% | 3,626 |
| Pretax return on assets | 0.4373% | 3,748 |
| Return on Equity (ROE) | 9.5600% | 2,284 |
| Retained earnings to average equity (ytd only) | -7.2314% | 4,351 |
| Net charge-offs to loans | 0.0086% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 103.3182% | 791 |
| Efficiency ratio | 82.8660% | 858 |
| Assets per employee ($millions) | 7.7994% | 1,655 |
| Cash dividends to net income (ytd only)* | 175.6576% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 3,666 |
| Loan loss allowance to noncurrent loans | 62.2960% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 990 |
| Noncurrent loans to loans | 1.4218% | 695 |
| Net loans and leases to total assets | 52.1500% | 3,514 |
| Net loans and leases to deposits | 66.9339% | 3,142 |
| Net loans and leases to core deposits | 79.1169% | 2,837 |
| Total domestic deposits to total assets | 77.9200% | 3,787 |
| Equity capital to assets | 4.2793% | 4,409 |
| Core capital (leverage) ratio | 7.9585% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7565% | 2,298 |
| Memoranda: | ||
| Average total assets | $512,906,400 | 1,743 |
| Average earning assets | $478,627,200 | 1,725 |
| Average equity | $23,467,200 | 2,731 |
| Average total loans | $255,556,000 | 2,046 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 3,075 |
| Cost of funding earning assets | 2.5931% | 992 |
| Net interest margin | 2.3841% | 4,016 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.0420% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4466% | 3,593 |
| Return on assets (ROA) | 0.4402% | 3,642 |
| Pretax return on assets | 0.4402% | 3,749 |
| Return on Equity (ROE) | 9.4700% | 2,322 |
| Retained earnings to average equity (ytd only) | -5.6982% | 4,353 |
| Net charge-offs to loans | 0.0115% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 78.9091% | 934 |
| Efficiency ratio | 82.0550% | 949 |
| Assets per employee ($millions) | 8.3254% | 1,336 |
| Cash dividends to net income (ytd only)* | 160.1403% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 3,697 |
| Loan loss allowance to noncurrent loans | 64.1996% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 1,075 |
| Noncurrent loans to loans | 1.3887% | 708 |
| Net loans and leases to total assets | 47.7800% | 3,740 |
| Net loans and leases to deposits | 63.4852% | 3,396 |
| Net loans and leases to core deposits | 74.6812% | 3,143 |
| Total domestic deposits to total assets | 75.2600% | 3,983 |
| Equity capital to assets | 5.2542% | 4,436 |
| Core capital (leverage) ratio | 7.9394% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8108% | 2,315 |
| Memoranda: | ||
| Average total assets | $518,291,750 | 1,722 |
| Average earning assets | $484,307,000 | 1,705 |
| Average equity | $24,077,250 | 2,683 |
| Average total loans | $254,807,750 | 2,038 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 3,143 |
| Cost of funding earning assets | 2.5168% | 1,057 |
| Net interest margin | 2.3669% | 4,027 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 2.0462% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4199% | 3,620 |
| Return on assets (ROA) | 0.4164% | 3,667 |
| Pretax return on assets | 0.4164% | 3,775 |
| Return on Equity (ROE) | 9.3900% | 2,341 |
| Retained earnings to average equity (ytd only) | -7.0089% | 4,373 |
| Net charge-offs to loans | 0.0189% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 44.9167% | 1,189 |
| Efficiency ratio | 82.9727% | 924 |
| Assets per employee ($millions) | 8.3579% | 1,268 |
| Cash dividends to net income (ytd only)* | 174.6492% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 3,705 |
| Loan loss allowance to noncurrent loans | 63.1695% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 993 |
| Noncurrent loans to loans | 1.4198% | 618 |
| Net loans and leases to total assets | 47.2600% | 3,779 |
| Net loans and leases to deposits | 64.0257% | 3,362 |
| Net loans and leases to core deposits | 76.8282% | 2,988 |
| Total domestic deposits to total assets | 73.8200% | 4,077 |
| Equity capital to assets | 4.1624% | 4,453 |
| Core capital (leverage) ratio | 8.0609% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $513,446,667 | 1,726 |
| Average earning assets | $480,291,000 | 1,715 |
| Average equity | $22,771,000 | 2,735 |
| Average total loans | $254,125,333 | 2,037 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 3,266 |
| Cost of funding earning assets | 2.4125% | 1,152 |
| Net interest margin | 2.3198% | 4,083 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.9653% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4535% | 3,499 |
| Return on assets (ROA) | 0.4464% | 3,536 |
| Pretax return on assets | 0.4464% | 3,666 |
| Return on Equity (ROE) | 9.7500% | 2,201 |
| Retained earnings to average equity (ytd only) | -6.4107% | 4,188 |
| Net charge-offs to loans | 0.0394% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,292 |
| Efficiency ratio | 81.2500% | 1,109 |
| Assets per employee ($millions) | 8.2827% | 1,295 |
| Cash dividends to net income (ytd only)* | 165.7754% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 3,686 |
| Loan loss allowance to noncurrent loans | 63.1419% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 891 |
| Noncurrent loans to loans | 1.4346% | 566 |
| Net loans and leases to total assets | 47.9500% | 3,706 |
| Net loans and leases to deposits | 64.0349% | 3,292 |
| Net loans and leases to core deposits | 76.6597% | 2,935 |
| Total domestic deposits to total assets | 74.8800% | 4,066 |
| Equity capital to assets | 4.2282% | 4,460 |
| Core capital (leverage) ratio | 8.7830% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $502,718,000 | 1,754 |
| Average earning assets | $470,391,500 | 1,742 |
| Average equity | $23,024,000 | 2,714 |
| Average total loans | $253,639,000 | 2,032 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 3,020 |
| Cost of funding earning assets | 1.6371% | 1,599 |
| Net interest margin | 2.9091% | 3,462 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2992% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6649% | 3,282 |
| Return on assets (ROA) | 0.6365% | 3,323 |
| Pretax return on assets | 0.6546% | 3,528 |
| Return on Equity (ROE) | 13.6500% | 1,573 |
| Retained earnings to average equity (ytd only) | -2.4486% | 4,299 |
| Net charge-offs to loans | -0.0046% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0755% | 1,152 |
| Assets per employee ($millions) | 7.5567% | 1,694 |
| Cash dividends to net income (ytd only)* | 117.9331% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 3,685 |
| Loan loss allowance to noncurrent loans | 7,972.4138% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,763 |
| Noncurrent loans to loans | 0.0114% | 3,676 |
| Net loans and leases to total assets | 52.2100% | 3,470 |
| Net loans and leases to deposits | 63.2889% | 3,335 |
| Net loans and leases to core deposits | 77.0014% | 2,917 |
| Total domestic deposits to total assets | 82.4900% | 3,030 |
| Equity capital to assets | 4.9594% | 4,422 |
| Core capital (leverage) ratio | 9.2126% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $465,167,000 | 1,812 |
| Average earning assets | $430,024,600 | 1,811 |
| Average equity | $21,686,000 | 2,718 |
| Average total loans | $241,195,400 | 2,053 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,884 |
| Cost of funding earning assets | 1.4937% | 1,628 |
| Net interest margin | 3.0185% | 3,311 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1924% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8593% | 2,833 |
| Return on assets (ROA) | 0.8210% | 2,950 |
| Pretax return on assets | 0.8396% | 3,244 |
| Return on Equity (ROE) | 17.9100% | 962 |
| Retained earnings to average equity (ytd only) | -0.5179% | 4,215 |
| Net charge-offs to loans | -0.0056% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.3895% | 1,630 |
| Assets per employee ($millions) | 6.9139% | 2,027 |
| Cash dividends to net income (ytd only)* | 102.8914% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,502 |
| Loan loss allowance to noncurrent loans | 3,081.3333% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,666 |
| Noncurrent loans to loans | 0.0315% | 3,545 |
| Net loans and leases to total assets | 52.5500% | 3,457 |
| Net loans and leases to deposits | 55.7815% | 3,723 |
| Net loans and leases to core deposits | 66.8268% | 3,387 |
| Total domestic deposits to total assets | 94.2000% | 171 |
| Equity capital to assets | 3.7189% | 4,431 |
| Core capital (leverage) ratio | 9.4572% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $460,552,250 | 1,823 |
| Average earning assets | $424,356,000 | 1,827 |
| Average equity | $21,111,250 | 2,752 |
| Average total loans | $237,793,750 | 2,064 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,846 |
| Cost of funding earning assets | 1.2966% | 1,718 |
| Net interest margin | 3.1189% | 3,175 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2082% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9332% | 2,636 |
| Return on assets (ROA) | 0.8749% | 2,830 |
| Pretax return on assets | 0.8934% | 3,182 |
| Return on Equity (ROE) | 17.9900% | 958 |
| Retained earnings to average equity (ytd only) | -1.0276% | 4,221 |
| Net charge-offs to loans | -0.0034% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8555% | 1,774 |
| Assets per employee ($millions) | 6.7816% | 2,081 |
| Cash dividends to net income (ytd only)* | 105.7115% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,544 |
| Loan loss allowance to noncurrent loans | 3,073.3333% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,672 |
| Noncurrent loans to loans | 0.0315% | 3,515 |
| Net loans and leases to total assets | 51.9300% | 3,416 |
| Net loans and leases to deposits | 56.3981% | 3,618 |
| Net loans and leases to core deposits | 62.6522% | 3,513 |
| Total domestic deposits to total assets | 92.0800% | 396 |
| Equity capital to assets | 4.8316% | 4,402 |
| Core capital (leverage) ratio | 9.5158% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $464,268,333 | 1,816 |
| Average earning assets | $428,029,667 | 1,815 |
| Average equity | $22,577,333 | 2,657 |
| Average total loans | $237,571,333 | 2,065 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,718 |
| Cost of funding earning assets | 1.1564% | 1,572 |
| Net interest margin | 3.1781% | 3,166 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.0238% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1473% | 2,072 |
| Return on assets (ROA) | 1.0324% | 2,394 |
| Pretax return on assets | 1.0656% | 2,809 |
| Return on Equity (ROE) | 21.1600% | 649 |
| Retained earnings to average equity (ytd only) | 0.6815% | 3,912 |
| Net charge-offs to loans | -0.0051% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.0880% | 2,558 |
| Assets per employee ($millions) | 6.7951% | 2,122 |
| Cash dividends to net income (ytd only)* | 96.7795% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,566 |
| Loan loss allowance to noncurrent loans | 5,120.0000% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,767 |
| Noncurrent loans to loans | 0.0193% | 3,643 |
| Net loans and leases to total assets | 50.7800% | 3,435 |
| Net loans and leases to deposits | 55.2655% | 3,615 |
| Net loans and leases to core deposits | 61.1775% | 3,494 |
| Total domestic deposits to total assets | 91.8900% | 542 |
| Equity capital to assets | 5.1455% | 4,394 |
| Core capital (leverage) ratio | 9.2393% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $469,219,500 | 1,820 |
| Average earning assets | $433,086,000 | 1,825 |
| Average equity | $22,889,500 | 2,652 |
| Average total loans | $237,222,000 | 2,085 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 2,756 |
| Cost of funding earning assets | 0.4574% | 1,665 |
| Net interest margin | 3.1590% | 2,990 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.3007% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8750% | 3,065 |
| Return on assets (ROA) | 0.8549% | 3,066 |
| Pretax return on assets | 0.8851% | 3,406 |
| Return on Equity (ROE) | 12.0900% | 2,108 |
| Retained earnings to average equity (ytd only) | 2.9714% | 3,728 |
| Net charge-offs to loans | -0.0050% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7493% | 1,472 |
| Assets per employee ($millions) | 7.4333% | 1,664 |
| Cash dividends to net income (ytd only)* | 75.4327% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 4,059 |
| Loan loss allowance to noncurrent loans | 4,044.6809% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,797 |
| Noncurrent loans to loans | 0.0195% | 3,674 |
| Net loans and leases to total assets | 49.4700% | 3,547 |
| Net loans and leases to deposits | 60.6592% | 3,291 |
| Net loans and leases to core deposits | 67.3933% | 3,044 |
| Total domestic deposits to total assets | 81.5600% | 3,683 |
| Equity capital to assets | 4.6344% | 4,446 |
| Core capital (leverage) ratio | 8.8848% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $452,809,600 | 1,848 |
| Average earning assets | $415,790,600 | 1,857 |
| Average equity | $32,005,400 | 2,241 |
| Average total loans | $217,864,000 | 2,118 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4156% | 2,872 |
| Cost of funding earning assets | 0.2439% | 2,771 |
| Net interest margin | 3.1717% | 2,706 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1295% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0470% | 2,290 |
| Return on assets (ROA) | 1.0580% | 2,223 |
| Pretax return on assets | 1.0901% | 2,756 |
| Return on Equity (ROE) | 13.6900% | 1,514 |
| Retained earnings to average equity (ytd only) | 2.6465% | 3,875 |
| Net charge-offs to loans | -0.0031% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.3773% | 2,230 |
| Assets per employee ($millions) | 7.3289% | 1,724 |
| Cash dividends to net income (ytd only)* | 80.6680% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 3,914 |
| Loan loss allowance to noncurrent loans | 3,867.3469% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,865 |
| Noncurrent loans to loans | 0.0228% | 3,739 |
| Net loans and leases to total assets | 48.5000% | 3,582 |
| Net loans and leases to deposits | 51.7336% | 3,748 |
| Net loans and leases to core deposits | 57.8532% | 3,513 |
| Total domestic deposits to total assets | 93.7500% | 408 |
| Equity capital to assets | 4.6317% | 4,368 |
| Core capital (leverage) ratio | 9.8419% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $445,220,250 | 1,879 |
| Average earning assets | $408,356,500 | 1,896 |
| Average equity | $34,408,750 | 2,169 |
| Average total loans | $212,094,250 | 2,154 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 2,853 |
| Cost of funding earning assets | 0.1690% | 3,330 |
| Net interest margin | 3.0975% | 2,544 |
| Noninterest income to average assets | 0.2948% | 3,400 |
| Noninterest expense to average assets | 2.1376% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9607% | 2,310 |
| Return on assets (ROA) | 0.9672% | 2,256 |
| Pretax return on assets | 1.0017% | 2,725 |
| Return on Equity (ROE) | 11.0618% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.4917% | 3,619 |
| Net charge-offs to loans | -0.0028% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2376% | 2,204 |
| Assets per employee ($millions) | 7.4258% | 1,661 |
| Cash dividends to net income (ytd only)* | 77.4746% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 3,949 |
| Loan loss allowance to noncurrent loans | 3,004.7619% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,878 |
| Noncurrent loans to loans | 0.0300% | 3,730 |
| Net loans and leases to total assets | 47.5128% | 3,593 |
| Net loans and leases to deposits | 51.0278% | 3,759 |
| Net loans and leases to core deposits | 55.1096% | 3,638 |
| Total domestic deposits to total assets | 93.1115% | 491 |
| Equity capital to assets | 5.4928% | 4,365 |
| Core capital (leverage) ratio | 9.9446% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,050,000 | 1,882 |
| Average earning assets | $409,550,333 | 1,915 |
| Average equity | $39,089,333 | 2,040 |
| Average total loans | $211,068,667 | 2,162 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0921% | 2,998 |
| Cost of funding earning assets | 0.0920% | 4,238 |
| Net interest margin | 3.0002% | 2,503 |
| Noninterest income to average assets | 0.2808% | 3,452 |
| Noninterest expense to average assets | 2.0810% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9305% | 2,152 |
| Return on assets (ROA) | 0.9435% | 2,085 |
| Pretax return on assets | 0.9586% | 2,580 |
| Return on Equity (ROE) | 9.1413% | 2,271 |
| Retained earnings to average equity (ytd only) | 2.3175% | 3,458 |
| Net charge-offs to loans | -0.0038% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7646% | 2,400 |
| Assets per employee ($millions) | 7.3770% | 1,757 |
| Cash dividends to net income (ytd only)* | 74.6479% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,060 |
| Loan loss allowance to noncurrent loans | 1,323.0769% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,714 |
| Noncurrent loans to loans | 0.0675% | 3,511 |
| Net loans and leases to total assets | 47.4631% | 3,439 |
| Net loans and leases to deposits | 52.5740% | 3,530 |
| Net loans and leases to core deposits | 58.4305% | 3,276 |
| Total domestic deposits to total assets | 90.2786% | 1,398 |
| Equity capital to assets | 8.9953% | 2,712 |
| Core capital (leverage) ratio | 9.8772% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,514,000 | 1,877 |
| Average earning assets | $413,179,000 | 1,906 |
| Average equity | $46,601,500 | 1,835 |
| Average total loans | $211,574,500 | 2,161 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 3,460 |
| Cost of funding earning assets | 0.3275% | 2,137 |
| Net interest margin | 2.8767% | 3,498 |
| Noninterest income to average assets | 0.3580% | 3,292 |
| Noninterest expense to average assets | 2.2078% | 3,055 |
| Loan and lease loss provision to assets | -0.2142% | 4,716 |
| Net operating income to assets | 0.9798% | 2,752 |
| Return on assets (ROA) | 1.3208% | 1,591 |
| Pretax return on assets | 1.3805% | 2,111 |
| Return on Equity (ROE) | 11.6975% | 1,919 |
| Retained earnings to average equity (ytd only) | -9.8766% | 4,765 |
| Net charge-offs to loans | -0.0300% | 4,124 |
| Credit loss provision to net charge-offs | 1,555.5556% | 371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1327% | 1,399 |
| Assets per employee ($millions) | 7.5483% | 1,589 |
| Cash dividends to net income (ytd only)* | 184.4336% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.2550% | 3,668 |
| Net loans and leases to deposits | 55.0006% | 3,519 |
| Net loans and leases to core deposits | 60.6744% | 3,268 |
| Total domestic deposits to total assets | 84.0991% | 3,531 |
| Equity capital to assets | 11.3076% | 1,599 |
| Core capital (leverage) ratio | 10.1629% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,839,800 | 2,308 |
| Average earning assets | $302,321,800 | 2,323 |
| Average equity | $36,905,400 | 2,206 |
| Average total loans | $150,192,800 | 2,630 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 3,475 |
| Cost of funding earning assets | 0.3556% | 2,058 |
| Net interest margin | 2.9081% | 3,534 |
| Noninterest income to average assets | 0.3633% | 3,280 |
| Noninterest expense to average assets | 1.8936% | 3,960 |
| Loan and lease loss provision to assets | -0.4887% | 4,881 |
| Net operating income to assets | 1.6460% | 928 |
| Return on assets (ROA) | 2.0557% | 447 |
| Pretax return on assets | 2.0557% | 724 |
| Return on Equity (ROE) | 18.2121% | 602 |
| Retained earnings to average equity (ytd only) | -9.3225% | 4,841 |
| Net charge-offs to loans | -0.0392% | 4,247 |
| Credit loss provision to net charge-offs | 2,727.2727% | 254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0662% | 2,688 |
| Assets per employee ($millions) | 7.4251% | 1,609 |
| Cash dividends to net income (ytd only)* | 151.1886% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.2577% | 3,932 |
| Net loans and leases to deposits | 49.5833% | 4,023 |
| Net loans and leases to core deposits | 55.2523% | 3,831 |
| Total domestic deposits to total assets | 89.2593% | 1,142 |
| Equity capital to assets | 10.7069% | 2,256 |
| Core capital (leverage) ratio | 9.0744% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,405,000 | 2,333 |
| Average earning assets | $302,598,750 | 2,346 |
| Average equity | $36,956,250 | 2,234 |
| Average total loans | $149,785,750 | 2,672 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 3,180 |
| Cost of funding earning assets | 0.3899% | 1,969 |
| Net interest margin | 3.0121% | 3,288 |
| Noninterest income to average assets | 0.3926% | 3,139 |
| Noninterest expense to average assets | 1.8170% | 4,151 |
| Loan and lease loss provision to assets | -0.6059% | 4,924 |
| Net operating income to assets | 1.9666% | 517 |
| Return on assets (ROA) | 2.4416% | 255 |
| Pretax return on assets | 2.4416% | 390 |
| Return on Equity (ROE) | 21.2777% | 367 |
| Retained earnings to average equity (ytd only) | 12.6452% | 784 |
| Net charge-offs to loans | -0.0552% | 4,422 |
| Credit loss provision to net charge-offs | 2,380.9524% | 258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1783% | 3,378 |
| Assets per employee ($millions) | 7.3481% | 1,566 |
| Cash dividends to net income (ytd only)* | 40.5707% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.6568% | 3,926 |
| Net loans and leases to deposits | 52.1349% | 3,986 |
| Net loans and leases to core deposits | 58.7301% | 3,707 |
| Total domestic deposits to total assets | 87.5744% | 2,056 |
| Equity capital to assets | 12.3636% | 1,195 |
| Core capital (leverage) ratio | 10.5105% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,113,333 | 2,307 |
| Average earning assets | $305,235,667 | 2,320 |
| Average equity | $37,880,000 | 2,183 |
| Average total loans | $152,217,000 | 2,661 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 2,770 |
| Cost of funding earning assets | 0.4237% | 1,909 |
| Net interest margin | 3.1336% | 2,895 |
| Noninterest income to average assets | 0.5030% | 2,597 |
| Noninterest expense to average assets | 1.7830% | 4,243 |
| Loan and lease loss provision to assets | -1.1863% | 4,963 |
| Net operating income to assets | 2.8103% | 179 |
| Return on assets (ROA) | 3.5162% | 118 |
| Pretax return on assets | 3.5162% | 146 |
| Return on Equity (ROE) | 31.7962% | 113 |
| Retained earnings to average equity (ytd only) | 23.3751% | 170 |
| Net charge-offs to loans | -0.0797% | 4,566 |
| Credit loss provision to net charge-offs | 3,225.8065% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3329% | 3,967 |
| Assets per employee ($millions) | 7.5636% | 1,417 |
| Cash dividends to net income (ytd only)* | 26.4845% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 4,204 |
| Loan loss allowance to noncurrent loans | 1,933.8028% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,214 |
| Noncurrent loans to loans | 0.0456% | 4,059 |
| Net loans and leases to total assets | 47.4382% | 3,864 |
| Net loans and leases to deposits | 55.3088% | 3,840 |
| Net loans and leases to core deposits | 62.9798% | 3,498 |
| Total domestic deposits to total assets | 85.7697% | 2,825 |
| Equity capital to assets | 11.6894% | 1,446 |
| Core capital (leverage) ratio | 10.2641% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,186,000 | 2,250 |
| Average earning assets | $312,482,500 | 2,257 |
| Average equity | $37,287,500 | 2,192 |
| Average total loans | $155,502,500 | 2,641 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 3,739 |
| Cost of funding earning assets | 0.6937% | 1,745 |
| Net interest margin | 2.9346% | 4,050 |
| Noninterest income to average assets | 0.2745% | 3,835 |
| Noninterest expense to average assets | 2.1816% | 3,713 |
| Loan and lease loss provision to assets | 0.3295% | 1,093 |
| Net operating income to assets | 0.4600% | 4,117 |
| Return on assets (ROA) | 1.4051% | 1,094 |
| Pretax return on assets | 1.4244% | 1,583 |
| Return on Equity (ROE) | 13.2484% | 982 |
| Retained earnings to average equity (ytd only) | 7.7849% | 1,121 |
| Net charge-offs to loans | -0.0481% | 4,658 |
| Credit loss provision to net charge-offs | -1,341.7722% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1880% | 1,545 |
| Assets per employee ($millions) | 8.1194% | 993 |
| Cash dividends to net income (ytd only)* | 41.2389% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,552 |
| Loan loss allowance to noncurrent loans | 7,554.8387% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,396 |
| Noncurrent loans to loans | 0.0200% | 4,261 |
| Net loans and leases to total assets | 43.8236% | 4,257 |
| Net loans and leases to deposits | 56.2196% | 3,978 |
| Net loans and leases to core deposits | 64.1024% | 3,683 |
| Total domestic deposits to total assets | 77.9507% | 4,326 |
| Equity capital to assets | 10.4707% | 2,697 |
| Core capital (leverage) ratio | 8.6954% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,686,400 | 2,182 |
| Average earning assets | $296,669,800 | 2,203 |
| Average equity | $34,117,200 | 2,279 |
| Average total loans | $164,109,200 | 2,533 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 3,680 |
| Cost of funding earning assets | 0.7554% | 1,703 |
| Net interest margin | 2.9964% | 3,986 |
| Noninterest income to average assets | 0.2719% | 3,842 |
| Noninterest expense to average assets | 1.9117% | 4,310 |
| Loan and lease loss provision to assets | 0.4488% | 721 |
| Net operating income to assets | 0.6696% | 3,566 |
| Return on assets (ROA) | 1.8774% | 426 |
| Pretax return on assets | 1.8774% | 669 |
| Return on Equity (ROE) | 17.6395% | 388 |
| Retained earnings to average equity (ytd only) | 10.3418% | 696 |
| Net charge-offs to loans | 0.0128% | 2,646 |
| Credit loss provision to net charge-offs | 6,625.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 165.0625% | 563 |
| Efficiency ratio | 63.0887% | 2,902 |
| Assets per employee ($millions) | 7.8057% | 1,074 |
| Cash dividends to net income (ytd only)* | 41.3715% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,971.0526% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,286 |
| Noncurrent loans to loans | 0.0729% | 4,082 |
| Net loans and leases to total assets | 45.9381% | 4,317 |
| Net loans and leases to deposits | 59.2966% | 4,110 |
| Net loans and leases to core deposits | 66.8075% | 3,839 |
| Total domestic deposits to total assets | 77.4717% | 4,266 |
| Equity capital to assets | 10.5555% | 2,742 |
| Core capital (leverage) ratio | 10.3526% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,824,000 | 2,198 |
| Average earning assets | $289,805,250 | 2,218 |
| Average equity | $33,507,250 | 2,304 |
| Average total loans | $166,300,000 | 2,523 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,405 |
| Cost of funding earning assets | 1.0487% | 843 |
| Net interest margin | 2.9207% | 4,276 |
| Noninterest income to average assets | 0.2339% | 4,079 |
| Noninterest expense to average assets | 1.8750% | 4,452 |
| Loan and lease loss provision to assets | 0.8761% | 257 |
| Net operating income to assets | 0.2059% | 4,571 |
| Return on assets (ROA) | 1.9932% | 376 |
| Pretax return on assets | 1.9932% | 552 |
| Return on Equity (ROE) | 21.8341% | 172 |
| Retained earnings to average equity (ytd only) | 8.0714% | 1,281 |
| Net charge-offs to loans | -0.0257% | 4,486 |
| Credit loss provision to net charge-offs | -5,555.5556% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4074% | 2,896 |
| Assets per employee ($millions) | 7.5724% | 1,142 |
| Cash dividends to net income (ytd only)* | 63.0330% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 867 |
| Loan loss allowance to noncurrent loans | 6,532.3529% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,498 |
| Noncurrent loans to loans | 0.0256% | 4,382 |
| Net loans and leases to total assets | 53.8000% | 3,890 |
| Net loans and leases to deposits | 70.6420% | 3,375 |
| Net loans and leases to core deposits | 79.2047% | 3,010 |
| Total domestic deposits to total assets | 76.1586% | 4,411 |
| Equity capital to assets | 9.0286% | 4,068 |
| Core capital (leverage) ratio | 8.5913% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,272,333 | 2,693 |
| Average earning assets | $212,825,333 | 2,691 |
| Average equity | $20,839,000 | 3,094 |
| Average total loans | $139,998,000 | 2,746 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,759 |
| Cost of funding earning assets | 1.2080% | 755 |
| Net interest margin | 2.8013% | 4,563 |
| Noninterest income to average assets | 0.2332% | 4,152 |
| Noninterest expense to average assets | 2.0393% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8099% | 2,871 |
| Return on assets (ROA) | 1.1806% | 1,701 |
| Pretax return on assets | 1.1806% | 2,265 |
| Return on Equity (ROE) | 12.8546% | 903 |
| Retained earnings to average equity (ytd only) | 0.0591% | 3,975 |
| Net charge-offs to loans | -0.0334% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5736% | 2,148 |
| Assets per employee ($millions) | 6.9988% | 1,089 |
| Cash dividends to net income (ytd only)* | 99.5406% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,198 |
| Loan loss allowance to noncurrent loans | 3,197.3684% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,554 |
| Noncurrent loans to loans | 0.0274% | 4,455 |
| Net loans and leases to total assets | 61.3212% | 3,371 |
| Net loans and leases to deposits | 80.0241% | 2,676 |
| Net loans and leases to core deposits | 90.2125% | 2,321 |
| Total domestic deposits to total assets | 76.6284% | 4,408 |
| Equity capital to assets | 9.0797% | 4,553 |
| Core capital (leverage) ratio | 8.9158% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9480% | 2,728 |
| Memoranda: | ||
| Average total assets | $221,249,500 | 2,703 |
| Average earning assets | $206,620,000 | 2,691 |
| Average equity | $20,319,500 | 3,145 |
| Average total loans | $143,703,000 | 2,698 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 3,469 |
| Cost of funding earning assets | 1.2856% | 793 |
| Net interest margin | 3.0403% | 4,466 |
| Noninterest income to average assets | 0.2667% | 4,084 |
| Noninterest expense to average assets | 2.0558% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0253% | 2,748 |
| Return on assets (ROA) | 1.0785% | 2,629 |
| Pretax return on assets | 1.0973% | 3,176 |
| Return on Equity (ROE) | 9.9063% | 2,340 |
| Retained earnings to average equity (ytd only) | -17.1935% | 5,127 |
| Net charge-offs to loans | 0.0309% | 2,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 52.7442% | 1,084 |
| Efficiency ratio | 66.3402% | 2,717 |
| Assets per employee ($millions) | 6.8293% | 1,118 |
| Cash dividends to net income (ytd only)* | 273.5608% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,281 |
| Loan loss allowance to noncurrent loans | 3,084.6154% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,567 |
| Noncurrent loans to loans | 0.0262% | 4,460 |
| Net loans and leases to total assets | 67.5637% | 2,744 |
| Net loans and leases to deposits | 86.4074% | 2,036 |
| Net loans and leases to core deposits | 97.1561% | 1,801 |
| Total domestic deposits to total assets | 78.1920% | 4,330 |
| Equity capital to assets | 9.2908% | 4,496 |
| Core capital (leverage) ratio | 8.7830% | 4,675 |
| Tier 1 risk-based capital ratio | 11.8209% | 4,463 |
| Total risk-based capital ratio | 12.5545% | 4,618 |
| Memoranda: | ||
| Average total assets | $217,434,800 | 2,684 |
| Average earning assets | $202,544,000 | 2,686 |
| Average equity | $23,671,800 | 2,826 |
| Average total loans | $139,111,600 | 2,733 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 3,491 |
| Cost of funding earning assets | 1.2733% | 852 |
| Net interest margin | 3.0844% | 4,502 |
| Noninterest income to average assets | 0.2542% | 4,217 |
| Noninterest expense to average assets | 1.9144% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2101% | 2,162 |
| Return on assets (ROA) | 1.2187% | 2,205 |
| Pretax return on assets | 1.2187% | 2,923 |
| Return on Equity (ROE) | 10.7964% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.2129% | 1,312 |
| Net charge-offs to loans | 0.0068% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 281.6645% | 324 |
| Efficiency ratio | 61.2694% | 3,442 |
| Assets per employee ($millions) | 6.9186% | 1,057 |
| Cash dividends to net income (ytd only)* | 23.9296% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,169 |
| Loan loss allowance to noncurrent loans | 960.4651% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,417 |
| Noncurrent loans to loans | 0.0903% | 4,244 |
| Net loans and leases to total assets | 63.9554% | 3,292 |
| Net loans and leases to deposits | 83.8912% | 2,470 |
| Net loans and leases to core deposits | 94.1199% | 2,168 |
| Total domestic deposits to total assets | 76.2361% | 4,617 |
| Equity capital to assets | 11.7369% | 2,473 |
| Core capital (leverage) ratio | 11.5147% | 2,205 |
| Tier 1 risk-based capital ratio | 15.4477% | 2,654 |
| Total risk-based capital ratio | 16.2144% | 2,796 |
| Memoranda: | ||
| Average total assets | $217,158,750 | 2,708 |
| Average earning assets | $202,090,000 | 2,710 |
| Average equity | $24,513,750 | 2,770 |
| Average total loans | $136,675,500 | 2,783 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 3,449 |
| Cost of funding earning assets | 1.2428% | 889 |
| Net interest margin | 3.1200% | 4,500 |
| Noninterest income to average assets | 0.2382% | 4,330 |
| Noninterest expense to average assets | 1.9013% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2413% | 2,003 |
| Return on assets (ROA) | 1.2505% | 2,013 |
| Pretax return on assets | 1.2505% | 2,747 |
| Return on Equity (ROE) | 11.2307% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.3150% | 671 |
| Net charge-offs to loans | 0.0134% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 148.7778% | 503 |
| Efficiency ratio | 60.5015% | 3,651 |
| Assets per employee ($millions) | 6.6825% | 1,143 |
| Cash dividends to net income (ytd only)* | 8.1542% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 4,067 |
| Loan loss allowance to noncurrent loans | 1,421.8391% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,566 |
| Noncurrent loans to loans | 0.0637% | 4,398 |
| Net loans and leases to total assets | 63.2934% | 3,418 |
| Net loans and leases to deposits | 81.7297% | 2,756 |
| Net loans and leases to core deposits | 92.5804% | 2,359 |
| Total domestic deposits to total assets | 77.4424% | 4,494 |
| Equity capital to assets | 12.0146% | 2,172 |
| Core capital (leverage) ratio | 11.4422% | 2,215 |
| Tier 1 risk-based capital ratio | 16.1270% | 2,357 |
| Total risk-based capital ratio | 16.9349% | 2,486 |
| Memoranda: | ||
| Average total assets | $215,746,670 | 2,727 |
| Average earning assets | $200,834,670 | 2,728 |
| Average equity | $24,023,330 | 2,797 |
| Average total loans | $134,623,000 | 2,821 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 3,681 |
| Cost of funding earning assets | 1.1249% | 1,106 |
| Net interest margin | 3.1327% | 4,525 |
| Noninterest income to average assets | 0.2086% | 4,499 |
| Noninterest expense to average assets | 1.9123% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2109% | 2,016 |
| Return on assets (ROA) | 1.2423% | 1,961 |
| Pretax return on assets | 1.2423% | 2,657 |
| Return on Equity (ROE) | 11.6090% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.6090% | 683 |
| Net charge-offs to loans | 0.0269% | 1,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 72.8889% | 825 |
| Efficiency ratio | 61.2293% | 3,646 |
| Assets per employee ($millions) | 6.7887% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,838 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 61.5265% | 3,547 |
| Net loans and leases to deposits | 80.1611% | 2,823 |
| Net loans and leases to core deposits | 90.1986% | 2,482 |
| Total domestic deposits to total assets | 76.7536% | 4,680 |
| Equity capital to assets | 11.0653% | 2,783 |
| Core capital (leverage) ratio | 11.4611% | 2,157 |
| Tier 1 risk-based capital ratio | 15.8359% | 2,513 |
| Total risk-based capital ratio | 16.6477% | 2,620 |
| Memoranda: | ||
| Average total assets | $216,700,500 | 2,746 |
| Average earning assets | $201,613,500 | 2,746 |
| Average equity | $23,189,000 | 2,869 |
| Average total loans | $133,643,000 | 2,862 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 4,001 |
| Cost of funding earning assets | 0.9368% | 975 |
| Net interest margin | 3.0737% | 4,688 |
| Noninterest income to average assets | 0.2744% | 4,271 |
| Noninterest expense to average assets | 2.0506% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0772% | 2,686 |
| Return on assets (ROA) | 1.0684% | 2,706 |
| Pretax return on assets | 1.0773% | 3,358 |
| Return on Equity (ROE) | 9.7988% | 2,604 |
| Retained earnings to average equity (ytd only) | -3.6638% | 5,208 |
| Net charge-offs to loans | -0.0146% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3737% | 2,974 |
| Assets per employee ($millions) | 6.7551% | 1,090 |
| Cash dividends to net income (ytd only)* | 137.3905% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 3,988 |
| Loan loss allowance to noncurrent loans | 8,306.6667% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,817 |
| Noncurrent loans to loans | 0.0113% | 4,754 |
| Net loans and leases to total assets | 60.6690% | 3,696 |
| Net loans and leases to deposits | 80.9651% | 2,855 |
| Net loans and leases to core deposits | 90.1953% | 2,561 |
| Total domestic deposits to total assets | 74.9323% | 4,879 |
| Equity capital to assets | 10.3348% | 3,342 |
| Core capital (leverage) ratio | 11.7515% | 1,915 |
| Tier 1 risk-based capital ratio | 15.8221% | 2,489 |
| Total risk-based capital ratio | 16.6626% | 2,578 |
| Memoranda: | ||
| Average total assets | $203,009,000 | 2,830 |
| Average earning assets | $189,055,800 | 2,837 |
| Average equity | $22,135,400 | 2,889 |
| Average total loans | $123,121,200 | 2,963 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,929 |
| Cost of funding earning assets | 0.8717% | 1,031 |
| Net interest margin | 3.1289% | 4,658 |
| Noninterest income to average assets | 0.2757% | 4,310 |
| Noninterest expense to average assets | 1.9760% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2063% | 2,216 |
| Return on assets (ROA) | 1.2016% | 2,231 |
| Pretax return on assets | 1.2137% | 2,935 |
| Return on Equity (ROE) | 10.8672% | 2,231 |
| Retained earnings to average equity (ytd only) | -0.7245% | 5,115 |
| Net charge-offs to loans | -0.0177% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8600% | 3,532 |
| Assets per employee ($millions) | 6.2140% | 1,342 |
| Cash dividends to net income (ytd only)* | 106.6668% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,347 |
| Loan loss allowance to noncurrent loans | 625.1256% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,423 |
| Noncurrent loans to loans | 0.1714% | 4,122 |
| Net loans and leases to total assets | 57.7635% | 4,064 |
| Net loans and leases to deposits | 75.4994% | 3,456 |
| Net loans and leases to core deposits | 83.1422% | 3,235 |
| Total domestic deposits to total assets | 76.5086% | 4,726 |
| Equity capital to assets | 10.7646% | 2,881 |
| Core capital (leverage) ratio | 11.6411% | 2,054 |
| Tier 1 risk-based capital ratio | 16.7213% | 2,199 |
| Total risk-based capital ratio | 17.6278% | 2,254 |
| Memoranda: | ||
| Average total assets | $199,720,500 | 2,888 |
| Average earning assets | $186,299,500 | 2,885 |
| Average equity | $22,084,250 | 2,909 |
| Average total loans | $120,804,000 | 3,011 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,816 |
| Cost of funding earning assets | 0.8165% | 1,059 |
| Net interest margin | 3.1730% | 4,569 |
| Noninterest income to average assets | 0.2720% | 4,372 |
| Noninterest expense to average assets | 1.9289% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2899% | 1,812 |
| Return on assets (ROA) | 1.2829% | 1,853 |
| Pretax return on assets | 1.3009% | 2,509 |
| Return on Equity (ROE) | 11.5012% | 1,907 |
| Retained earnings to average equity (ytd only) | -2.9313% | 5,206 |
| Net charge-offs to loans | -0.0262% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5922% | 3,993 |
| Assets per employee ($millions) | 6.1744% | 1,347 |
| Cash dividends to net income (ytd only)* | 125.4871% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,467 |
| Loan loss allowance to noncurrent loans | 3,273.6842% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,936 |
| Noncurrent loans to loans | 0.0325% | 4,773 |
| Net loans and leases to total assets | 58.6157% | 3,938 |
| Net loans and leases to deposits | 76.4530% | 3,292 |
| Net loans and leases to core deposits | 84.0999% | 3,071 |
| Total domestic deposits to total assets | 76.6689% | 4,772 |
| Equity capital to assets | 10.9059% | 2,725 |
| Core capital (leverage) ratio | 11.4714% | 2,095 |
| Tier 1 risk-based capital ratio | 17.2104% | 2,027 |
| Total risk-based capital ratio | 18.1519% | 2,075 |
| Memoranda: | ||
| Average total assets | $200,011,670 | 2,896 |
| Average earning assets | $186,891,670 | 2,892 |
| Average equity | $22,310,670 | 2,904 |
| Average total loans | $122,370,330 | 3,010 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 3,730 |
| Cost of funding earning assets | 0.7718% | 1,094 |
| Net interest margin | 3.1952% | 4,476 |
| Noninterest income to average assets | 0.2703% | 4,361 |
| Noninterest expense to average assets | 1.8606% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4054% | 1,326 |
| Return on assets (ROA) | 1.3875% | 1,389 |
| Pretax return on assets | 1.3875% | 2,057 |
| Return on Equity (ROE) | 12.3039% | 1,474 |
| Retained earnings to average equity (ytd only) | -7.0862% | 5,287 |
| Net charge-offs to loans | -0.0064% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9690% | 4,469 |
| Assets per employee ($millions) | 6.2798% | 1,322 |
| Cash dividends to net income (ytd only)* | 157.5931% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,958 |
| Loan loss allowance to noncurrent loans | 3,075.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,013 |
| Noncurrent loans to loans | 0.0325% | 4,830 |
| Net loans and leases to total assets | 60.5930% | 3,693 |
| Net loans and leases to deposits | 78.9747% | 2,921 |
| Net loans and leases to core deposits | 87.1710% | 2,703 |
| Total domestic deposits to total assets | 76.7245% | 4,893 |
| Equity capital to assets | 10.9100% | 2,669 |
| Core capital (leverage) ratio | 11.3504% | 2,124 |
| Tier 1 risk-based capital ratio | 16.4603% | 2,286 |
| Total risk-based capital ratio | 17.3536% | 2,377 |
| Memoranda: | ||
| Average total assets | $201,226,500 | 2,921 |
| Average earning assets | $188,656,000 | 2,895 |
| Average equity | $22,692,000 | 2,896 |
| Average total loans | $125,026,500 | 2,998 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,821 |
| Cost of funding earning assets | 0.5858% | 1,706 |
| Net interest margin | 3.2847% | 4,203 |
| Noninterest income to average assets | 0.2973% | 4,320 |
| Noninterest expense to average assets | 2.1464% | 4,662 |
| Loan and lease loss provision to assets | 0.1535% | 1,472 |
| Net operating income to assets | 1.0437% | 2,077 |
| Return on assets (ROA) | 1.1430% | 1,740 |
| Pretax return on assets | 1.1589% | 2,950 |
| Return on Equity (ROE) | 9.5801% | 2,061 |
| Retained earnings to average equity (ytd only) | -2.2985% | 5,305 |
| Net charge-offs to loans | 0.2617% | 997 |
| Credit loss provision to net charge-offs | 91.1854% | 2,761 |
| Earnings coverage of net charge-offs (x) | 7.2006% | 3,074 |
| Efficiency ratio | 63.9092% | 3,617 |
| Assets per employee ($millions) | 6.2968% | 1,319 |
| Cash dividends to net income (ytd only)* | 123.9928% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 4,120 |
| Loan loss allowance to noncurrent loans | 2,923.8095% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,048 |
| Noncurrent loans to loans | 0.0331% | 4,863 |
| Net loans and leases to total assets | 62.4475% | 3,562 |
| Net loans and leases to deposits | 83.1594% | 2,588 |
| Net loans and leases to core deposits | 90.9065% | 2,473 |
| Total domestic deposits to total assets | 75.0937% | 5,085 |
| Equity capital to assets | 11.6427% | 2,082 |
| Core capital (leverage) ratio | 11.7992% | 1,725 |
| Tier 1 risk-based capital ratio | 16.5811% | 2,234 |
| Total risk-based capital ratio | 17.4638% | 2,294 |
| Memoranda: | ||
| Average total assets | $195,446,000 | 2,965 |
| Average earning assets | $182,145,000 | 2,940 |
| Average equity | $23,319,200 | 2,820 |
| Average total loans | $125,739,400 | 2,982 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 3,972 |
| Cost of funding earning assets | 0.5611% | 1,801 |
| Net interest margin | 3.2489% | 4,329 |
| Noninterest income to average assets | 0.2963% | 4,413 |
| Noninterest expense to average assets | 2.0187% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2798% | 1,403 |
| Return on assets (ROA) | 1.3573% | 1,208 |
| Pretax return on assets | 1.3786% | 2,180 |
| Return on Equity (ROE) | 11.3137% | 1,563 |
| Retained earnings to average equity (ytd only) | -0.9800% | 5,349 |
| Net charge-offs to loans | 0.0106% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 189.0428% | 457 |
| Efficiency ratio | 60.8371% | 4,069 |
| Assets per employee ($millions) | 6.0532% | 1,456 |
| Cash dividends to net income (ytd only)* | 108.6628% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,979 |
| Loan loss allowance to noncurrent loans | 127.3749% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 3,048 |
| Noncurrent loans to loans | 0.7968% | 2,363 |
| Net loans and leases to total assets | 62.7901% | 3,568 |
| Net loans and leases to deposits | 82.8316% | 2,680 |
| Net loans and leases to core deposits | 89.9547% | 2,615 |
| Total domestic deposits to total assets | 75.8045% | 5,042 |
| Equity capital to assets | 12.2467% | 1,812 |
| Core capital (leverage) ratio | 12.2339% | 1,551 |
| Tier 1 risk-based capital ratio | 15.9103% | 2,546 |
| Total risk-based capital ratio | 16.7570% | 2,658 |
| Memoranda: | ||
| Average total assets | $193,912,000 | 3,005 |
| Average earning assets | $180,366,750 | 2,987 |
| Average equity | $23,263,250 | 2,855 |
| Average total loans | $125,409,500 | 3,007 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,047 |
| Cost of funding earning assets | 0.5305% | 1,908 |
| Net interest margin | 3.2264% | 4,333 |
| Noninterest income to average assets | 0.2846% | 4,519 |
| Noninterest expense to average assets | 1.9827% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2742% | 1,368 |
| Return on assets (ROA) | 1.3197% | 1,277 |
| Pretax return on assets | 1.3517% | 2,205 |
| Return on Equity (ROE) | 11.0773% | 1,616 |
| Retained earnings to average equity (ytd only) | -5.4088% | 5,549 |
| Net charge-offs to loans | 0.0111% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 180.8571% | 442 |
| Efficiency ratio | 60.3010% | 4,275 |
| Assets per employee ($millions) | 6.0298% | 1,440 |
| Cash dividends to net income (ytd only)* | 148.8281% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,178 |
| Loan loss allowance to noncurrent loans | 132.1353% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,126 |
| Noncurrent loans to loans | 0.7535% | 2,508 |
| Net loans and leases to total assets | 64.4221% | 3,327 |
| Net loans and leases to deposits | 84.5722% | 2,396 |
| Net loans and leases to core deposits | 90.9926% | 2,431 |
| Total domestic deposits to total assets | 76.1741% | 5,070 |
| Equity capital to assets | 12.0894% | 1,870 |
| Core capital (leverage) ratio | 11.8998% | 1,692 |
| Tier 1 risk-based capital ratio | 16.5399% | 2,307 |
| Total risk-based capital ratio | 17.4397% | 2,375 |
| Memoranda: | ||
| Average total assets | $193,982,330 | 3,021 |
| Average earning assets | $180,570,670 | 2,994 |
| Average equity | $23,110,330 | 2,874 |
| Average total loans | $126,255,330 | 3,001 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,179 |
| Cost of funding earning assets | 0.4950% | 2,128 |
| Net interest margin | 3.1824% | 4,400 |
| Noninterest income to average assets | 0.2530% | 4,730 |
| Noninterest expense to average assets | 2.0463% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1438% | 1,698 |
| Return on assets (ROA) | 1.1620% | 1,661 |
| Pretax return on assets | 1.1867% | 2,644 |
| Return on Equity (ROE) | 9.8252% | 2,039 |
| Retained earnings to average equity (ytd only) | -8.2602% | 5,531 |
| Net charge-offs to loans | 0.0411% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 43.6923% | 972 |
| Efficiency ratio | 63.6596% | 3,895 |
| Assets per employee ($millions) | 6.0799% | 1,443 |
| Cash dividends to net income (ytd only)* | 184.0708% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,372 |
| Loan loss allowance to noncurrent loans | 130.9148% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,270 |
| Noncurrent loans to loans | 0.7517% | 2,607 |
| Net loans and leases to total assets | 64.3863% | 3,221 |
| Net loans and leases to deposits | 86.8355% | 1,933 |
| Net loans and leases to core deposits | 92.5908% | 2,112 |
| Total domestic deposits to total assets | 74.1474% | 5,406 |
| Equity capital to assets | 11.7688% | 1,988 |
| Core capital (leverage) ratio | 12.1807% | 1,512 |
| Tier 1 risk-based capital ratio | 16.5734% | 2,328 |
| Total risk-based capital ratio | 17.4652% | 2,408 |
| Memoranda: | ||
| Average total assets | $194,496,500 | 3,048 |
| Average earning assets | $180,994,000 | 3,020 |
| Average equity | $23,002,000 | 2,889 |
| Average total loans | $126,605,500 | 3,018 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,099 |
| Cost of funding earning assets | 0.4274% | 2,732 |
| Net interest margin | 3.3106% | 4,107 |
| Noninterest income to average assets | 0.4492% | 3,550 |
| Noninterest expense to average assets | 2.2124% | 4,747 |
| Loan and lease loss provision to assets | 0.1864% | 1,264 |
| Net operating income to assets | 1.1026% | 1,897 |
| Return on assets (ROA) | 1.2120% | 1,551 |
| Pretax return on assets | 1.2317% | 2,546 |
| Return on Equity (ROE) | 9.6984% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.6289% | 3,340 |
| Net charge-offs to loans | -0.0412% | 5,343 |
| Credit loss provision to net charge-offs | -698.0000% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8719% | 4,125 |
| Assets per employee ($millions) | 6.0761% | 1,422 |
| Cash dividends to net income (ytd only)* | 62.5826% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 4,384 |
| Loan loss allowance to noncurrent loans | 135.8919% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 3,355 |
| Noncurrent loans to loans | 0.7301% | 2,703 |
| Net loans and leases to total assets | 64.5153% | 3,285 |
| Net loans and leases to deposits | 85.2604% | 2,271 |
| Net loans and leases to core deposits | 91.5401% | 2,345 |
| Total domestic deposits to total assets | 75.6686% | 5,276 |
| Equity capital to assets | 11.8841% | 1,891 |
| Core capital (leverage) ratio | 12.8180% | 1,203 |
| Tier 1 risk-based capital ratio | 16.6571% | 2,289 |
| Total risk-based capital ratio | 17.5442% | 2,367 |
| Memoranda: | ||
| Average total assets | $187,215,800 | 3,087 |
| Average earning assets | $173,594,200 | 3,074 |
| Average equity | $23,395,600 | 2,861 |
| Average total loans | $121,479,200 | 3,045 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,018 |
| Cost of funding earning assets | 0.4223% | 2,819 |
| Net interest margin | 3.3483% | 4,034 |
| Noninterest income to average assets | 0.5012% | 3,238 |
| Noninterest expense to average assets | 2.0933% | 5,016 |
| Loan and lease loss provision to assets | 0.2510% | 754 |
| Net operating income to assets | 1.2396% | 1,492 |
| Return on assets (ROA) | 1.3670% | 1,201 |
| Pretax return on assets | 1.3872% | 2,083 |
| Return on Equity (ROE) | 10.8004% | 1,750 |
| Retained earnings to average equity (ytd only) | 3.1873% | 4,001 |
| Net charge-offs to loans | -0.1764% | 5,730 |
| Credit loss provision to net charge-offs | -219.4969% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1038% | 4,799 |
| Assets per employee ($millions) | 5.9960% | 1,436 |
| Cash dividends to net income (ytd only)* | 70.4892% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,748 |
| Loan loss allowance to noncurrent loans | 134.4488% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,968 |
| Noncurrent loans to loans | 0.8310% | 2,602 |
| Net loans and leases to total assets | 65.0383% | 3,266 |
| Net loans and leases to deposits | 85.3393% | 2,330 |
| Net loans and leases to core deposits | 91.3253% | 2,451 |
| Total domestic deposits to total assets | 76.2114% | 5,206 |
| Equity capital to assets | 12.9549% | 1,507 |
| Core capital (leverage) ratio | 12.7336% | 1,297 |
| Tier 1 risk-based capital ratio | 17.6011% | 2,043 |
| Total risk-based capital ratio | 18.6323% | 2,067 |
| Memoranda: | ||
| Average total assets | $185,410,750 | 3,113 |
| Average earning assets | $171,745,750 | 3,103 |
| Average equity | $23,467,750 | 2,867 |
| Average total loans | $120,174,500 | 3,074 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,830 |
| Cost of funding earning assets | 0.4144% | 2,890 |
| Net interest margin | 3.4203% | 3,802 |
| Noninterest income to average assets | 0.5797% | 2,726 |
| Noninterest expense to average assets | 2.1279% | 5,001 |
| Loan and lease loss provision to assets | 0.3768% | 412 |
| Net operating income to assets | 1.2292% | 1,505 |
| Return on assets (ROA) | 1.3948% | 1,131 |
| Pretax return on assets | 1.4143% | 1,972 |
| Return on Equity (ROE) | 11.1074% | 1,598 |
| Retained earnings to average equity (ytd only) | 1.3927% | 4,821 |
| Net charge-offs to loans | -0.0050% | 4,522 |
| Credit loss provision to net charge-offs | -11,633.3333% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7194% | 5,056 |
| Assets per employee ($millions) | 5.7013% | 1,621 |
| Cash dividends to net income (ytd only)* | 87.4613% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 4,540 |
| Loan loss allowance to noncurrent loans | 107.0796% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 2,812 |
| Noncurrent loans to loans | 0.9322% | 2,410 |
| Net loans and leases to total assets | 65.7804% | 3,110 |
| Net loans and leases to deposits | 83.6384% | 2,507 |
| Net loans and leases to core deposits | 90.0936% | 2,525 |
| Total domestic deposits to total assets | 78.6486% | 4,862 |
| Equity capital to assets | 13.0463% | 1,477 |
| Core capital (leverage) ratio | 12.5799% | 1,313 |
| Tier 1 risk-based capital ratio | 17.5712% | 2,052 |
| Total risk-based capital ratio | 18.4991% | 2,109 |
| Memoranda: | ||
| Average total assets | $185,256,000 | 3,132 |
| Average earning assets | $171,796,330 | 3,123 |
| Average equity | $23,263,670 | 2,893 |
| Average total loans | $119,480,670 | 3,082 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,857 |
| Cost of funding earning assets | 0.4037% | 3,029 |
| Net interest margin | 3.4214% | 3,797 |
| Noninterest income to average assets | 0.9086% | 1,294 |
| Noninterest expense to average assets | 1.9458% | 5,440 |
| Loan and lease loss provision to assets | 0.4286% | 309 |
| Net operating income to assets | 1.6930% | 586 |
| Return on assets (ROA) | 1.9115% | 415 |
| Pretax return on assets | 1.9329% | 653 |
| Return on Equity (ROE) | 15.5168% | 600 |
| Retained earnings to average equity (ytd only) | -1.4438% | 5,331 |
| Net charge-offs to loans | -0.1652% | 5,796 |
| Credit loss provision to net charge-offs | -408.1633% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6141% | 5,740 |
| Assets per employee ($millions) | 5.7864% | 1,592 |
| Cash dividends to net income (ytd only)* | 109.3049% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 5,026 |
| Loan loss allowance to noncurrent loans | 138.0299% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 3,404 |
| Noncurrent loans to loans | 0.6598% | 3,195 |
| Net loans and leases to total assets | 65.0441% | 3,099 |
| Net loans and leases to deposits | 82.8853% | 2,443 |
| Net loans and leases to core deposits | 89.0907% | 2,452 |
| Total domestic deposits to total assets | 78.4749% | 5,063 |
| Equity capital to assets | 12.4289% | 1,725 |
| Core capital (leverage) ratio | 12.3096% | 1,427 |
| Tier 1 risk-based capital ratio | 17.3828% | 2,158 |
| Total risk-based capital ratio | 18.2317% | 2,247 |
| Memoranda: | ||
| Average total assets | $186,663,000 | 3,131 |
| Average earning assets | $173,380,500 | 3,116 |
| Average equity | $22,994,500 | 2,928 |
| Average total loans | $118,610,500 | 3,104 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 4,046 |
| Cost of funding earning assets | 0.3992% | 3,174 |
| Net interest margin | 3.3986% | 3,921 |
| Noninterest income to average assets | 0.3829% | 4,163 |
| Noninterest expense to average assets | 2.3070% | 4,764 |
| Loan and lease loss provision to assets | 0.1224% | 1,958 |
| Net operating income to assets | 1.0864% | 1,982 |
| Return on assets (ROA) | 1.1225% | 1,891 |
| Pretax return on assets | 1.1383% | 2,894 |
| Return on Equity (ROE) | 8.9544% | 2,476 |
| Retained earnings to average equity (ytd only) | 2.1866% | 4,477 |
| Net charge-offs to loans | 0.5127% | 502 |
| Credit loss provision to net charge-offs | 37.8788% | 3,554 |
| Earnings coverage of net charge-offs (x) | 3.7896% | 3,660 |
| Efficiency ratio | 65.3319% | 4,020 |
| Assets per employee ($millions) | 5.0854% | 2,265 |
| Cash dividends to net income (ytd only)* | 75.5814% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 5,555 |
| Loan loss allowance to noncurrent loans | 69.1935% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 2,579 |
| Noncurrent loans to loans | 1.0720% | 2,200 |
| Net loans and leases to total assets | 61.0206% | 3,689 |
| Net loans and leases to deposits | 76.0247% | 3,248 |
| Net loans and leases to core deposits | 81.8852% | 3,162 |
| Total domestic deposits to total assets | 80.2642% | 4,680 |
| Equity capital to assets | 12.2103% | 1,808 |
| Core capital (leverage) ratio | 12.4544% | 1,365 |
| Tier 1 risk-based capital ratio | 17.8626% | 2,006 |
| Total risk-based capital ratio | 18.5362% | 2,140 |
| Memoranda: | ||
| Average total assets | $183,878,000 | 3,121 |
| Average earning assets | $170,334,600 | 3,125 |
| Average equity | $23,050,000 | 2,874 |
| Average total loans | $115,854,200 | 3,111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 3,982 |
| Cost of funding earning assets | 0.3994% | 3,230 |
| Net interest margin | 3.4350% | 3,816 |
| Noninterest income to average assets | 0.3143% | 4,692 |
| Noninterest expense to average assets | 2.1829% | 5,093 |
| Loan and lease loss provision to assets | 0.0365% | 3,488 |
| Net operating income to assets | 1.2571% | 1,460 |
| Return on assets (ROA) | 1.3026% | 1,391 |
| Pretax return on assets | 1.3208% | 2,315 |
| Return on Equity (ROE) | 10.3225% | 1,961 |
| Retained earnings to average equity (ytd only) | 3.5025% | 3,975 |
| Net charge-offs to loans | 0.0610% | 2,724 |
| Credit loss provision to net charge-offs | 94.3396% | 2,405 |
| Earnings coverage of net charge-offs (x) | 33.9268% | 1,380 |
| Efficiency ratio | 62.4713% | 4,499 |
| Assets per employee ($millions) | 4.8538% | 2,480 |
| Cash dividends to net income (ytd only)* | 66.0694% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 4,260 |
| Loan loss allowance to noncurrent loans | 58.4248% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 1,445 |
| Noncurrent loans to loans | 1.8733% | 1,239 |
| Net loans and leases to total assets | 61.5899% | 3,662 |
| Net loans and leases to deposits | 75.2418% | 3,398 |
| Net loans and leases to core deposits | 79.0015% | 3,510 |
| Total domestic deposits to total assets | 81.8560% | 4,210 |
| Equity capital to assets | 12.9633% | 1,466 |
| Core capital (leverage) ratio | 12.5942% | 1,363 |
| Tier 1 risk-based capital ratio | 18.6505% | 1,862 |
| Total risk-based capital ratio | 19.6493% | 1,884 |
| Memoranda: | ||
| Average total assets | $182,807,250 | 3,159 |
| Average earning assets | $169,234,500 | 3,161 |
| Average equity | $23,068,750 | 2,898 |
| Average total loans | $115,899,000 | 3,136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,048 |
| Cost of funding earning assets | 0.3941% | 3,334 |
| Net interest margin | 3.4109% | 3,872 |
| Noninterest income to average assets | 0.2937% | 4,861 |
| Noninterest expense to average assets | 2.2569% | 4,958 |
| Loan and lease loss provision to assets | 0.0544% | 3,026 |
| Net operating income to assets | 1.1282% | 1,841 |
| Return on assets (ROA) | 1.1964% | 1,692 |
| Pretax return on assets | 1.2149% | 2,714 |
| Return on Equity (ROE) | 9.5660% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.3481% | 3,914 |
| Net charge-offs to loans | 0.0904% | 2,128 |
| Credit loss provision to net charge-offs | 94.3396% | 2,151 |
| Earnings coverage of net charge-offs (x) | 20.8113% | 1,703 |
| Efficiency ratio | 65.2926% | 4,131 |
| Assets per employee ($millions) | 4.8932% | 2,406 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 4,533 |
| Loan loss allowance to noncurrent loans | 59.1019% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.5057% | 1,632 |
| Noncurrent loans to loans | 1.7945% | 1,427 |
| Net loans and leases to total assets | 63.0688% | 3,403 |
| Net loans and leases to deposits | 77.2023% | 3,133 |
| Net loans and leases to core deposits | 80.3985% | 3,341 |
| Total domestic deposits to total assets | 81.6929% | 4,390 |
| Equity capital to assets | 12.7136% | 1,537 |
| Core capital (leverage) ratio | 12.3564% | 1,457 |
| Tier 1 risk-based capital ratio | 18.0770% | 2,046 |
| Total risk-based capital ratio | 19.0545% | 2,081 |
| Memoranda: | ||
| Average total assets | $183,879,330 | 3,176 |
| Average earning assets | $170,513,330 | 3,159 |
| Average equity | $22,998,000 | 2,912 |
| Average total loans | $117,254,000 | 3,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,113 |
| Cost of funding earning assets | 0.3807% | 3,519 |
| Net interest margin | 3.3936% | 3,871 |
| Noninterest income to average assets | 0.1705% | 5,699 |
| Noninterest expense to average assets | 2.1890% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1164% | 1,808 |
| Return on assets (ROA) | 1.2391% | 1,519 |
| Pretax return on assets | 1.2629% | 2,412 |
| Return on Equity (ROE) | 9.9878% | 2,014 |
| Retained earnings to average equity (ytd only) | 2.6797% | 4,340 |
| Net charge-offs to loans | 0.1015% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.5667% | 1,518 |
| Efficiency ratio | 65.8014% | 4,192 |
| Assets per employee ($millions) | 4.9707% | 2,396 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,963 |
| Loan loss allowance to noncurrent loans | 76.8144% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 1,987 |
| Noncurrent loans to loans | 1.3149% | 2,184 |
| Net loans and leases to total assets | 63.7356% | 3,124 |
| Net loans and leases to deposits | 79.0745% | 2,675 |
| Net loans and leases to core deposits | 82.3371% | 2,930 |
| Total domestic deposits to total assets | 80.6020% | 4,915 |
| Equity capital to assets | 12.5226% | 1,679 |
| Core capital (leverage) ratio | 12.3448% | 1,430 |
| Tier 1 risk-based capital ratio | 17.3505% | 2,356 |
| Total risk-based capital ratio | 18.2767% | 2,428 |
| Memoranda: | ||
| Average total assets | $185,294,000 | 3,173 |
| Average earning assets | $172,325,500 | 3,148 |
| Average equity | $22,988,000 | 2,932 |
| Average total loans | $118,176,000 | 3,120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9433% | 167 |
| Cost of funding earning assets | 0.6149% | 1,640 |
| Net interest margin | 5.3284% | 174 |
| Noninterest income to average assets | 0.4172% | 4,059 |
| Noninterest expense to average assets | 3.7189% | 1,112 |
| Loan and lease loss provision to assets | 0.0811% | 2,858 |
| Net operating income to assets | 1.5919% | 716 |
| Return on assets (ROA) | 1.6679% | 640 |
| Pretax return on assets | 1.6918% | 1,003 |
| Return on Equity (ROE) | 13.5911% | 1,017 |
| Retained earnings to average equity (ytd only) | 6.2359% | 1,787 |
| Net charge-offs to loans | 0.0317% | 4,194 |
| Credit loss provision to net charge-offs | 365.3846% | 718 |
| Earnings coverage of net charge-offs (x) | 76.4615% | 659 |
| Efficiency ratio | 68.6781% | 3,773 |
| Assets per employee ($millions) | 5.0452% | 2,263 |
| Cash dividends to net income (ytd only)* | 54.1176% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,852 |
| Loan loss allowance to noncurrent loans | 81.0436% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 2,201 |
| Noncurrent loans to loans | 1.2837% | 2,309 |
| Net loans and leases to total assets | 62.5209% | 3,436 |
| Net loans and leases to deposits | 76.4313% | 3,149 |
| Net loans and leases to core deposits | 79.4955% | 3,349 |
| Total domestic deposits to total assets | 81.8002% | 4,493 |
| Equity capital to assets | 12.2916% | 1,789 |
| Core capital (leverage) ratio | 12.0301% | 1,599 |
| Tier 1 risk-based capital ratio | 17.1612% | 2,448 |
| Total risk-based capital ratio | 18.1076% | 2,514 |
| Memoranda: | ||
| Average total assets | $117,211,200 | 4,237 |
| Average earning assets | $109,938,400 | 4,186 |
| Average equity | $14,384,400 | 3,962 |
| Average total loans | $82,039,800 | 3,817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,377 |
| Cost of funding earning assets | 0.3645% | 4,188 |
| Net interest margin | 3.7349% | 2,873 |
| Noninterest income to average assets | 0.6784% | 2,433 |
| Noninterest expense to average assets | 2.1633% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9874% | 350 |
| Return on assets (ROA) | 2.0257% | 344 |
| Pretax return on assets | 2.0565% | 502 |
| Return on Equity (ROE) | 16.5189% | 614 |
| Retained earnings to average equity (ytd only) | 5.8475% | 2,503 |
| Net charge-offs to loans | -0.1496% | 6,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7407% | 6,008 |
| Assets per employee ($millions) | 6.3047% | 1,145 |
| Cash dividends to net income (ytd only)* | 64.6009% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 5,105 |
| Loan loss allowance to noncurrent loans | 82.4340% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.3732% | 1,148 |
| Noncurrent loans to loans | 1.2418% | 2,566 |
| Net loans and leases to total assets | 68.8208% | 2,408 |
| Net loans and leases to deposits | 88.4651% | 1,614 |
| Net loans and leases to core deposits | 95.4977% | 1,717 |
| Total domestic deposits to total assets | 77.7943% | 5,567 |
| Equity capital to assets | 12.5135% | 1,690 |
| Core capital (leverage) ratio | 13.0437% | 1,158 |
| Tier 1 risk-based capital ratio | 17.1128% | 2,569 |
| Total risk-based capital ratio | 18.0479% | 2,635 |
| Memoranda: | ||
| Average total assets | $99,846,000 | 4,645 |
| Average earning assets | $93,636,750 | 4,606 |
| Average equity | $12,244,250 | 4,337 |
| Average total loans | $73,065,750 | 4,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 3,047 |
| Cost of funding earning assets | 0.3610% | 4,312 |
| Net interest margin | 3.8158% | 2,506 |
| Noninterest income to average assets | 0.7618% | 1,998 |
| Noninterest expense to average assets | 2.1949% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1050% | 275 |
| Return on assets (ROA) | 2.1587% | 259 |
| Pretax return on assets | 2.1909% | 373 |
| Return on Equity (ROE) | 17.7257% | 485 |
| Retained earnings to average equity (ytd only) | 1.7165% | 5,043 |
| Net charge-offs to loans | -0.2215% | 6,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6729% | 6,141 |
| Assets per employee ($millions) | 6.1284% | 1,209 |
| Cash dividends to net income (ytd only)* | 90.3166% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,353 |
| Loan loss allowance to noncurrent loans | 118.4818% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3385% | 1,258 |
| Noncurrent loans to loans | 0.8435% | 3,600 |
| Net loans and leases to total assets | 72.5366% | 1,643 |
| Net loans and leases to deposits | 89.8054% | 1,388 |
| Net loans and leases to core deposits | 97.2038% | 1,504 |
| Total domestic deposits to total assets | 80.7708% | 5,047 |
| Equity capital to assets | 12.4625% | 1,671 |
| Core capital (leverage) ratio | 13.0504% | 1,138 |
| Tier 1 risk-based capital ratio | 15.9715% | 3,104 |
| Total risk-based capital ratio | 16.8741% | 3,228 |
| Memoranda: | ||
| Average total assets | $99,503,000 | 4,696 |
| Average earning assets | $93,087,000 | 4,658 |
| Average equity | $12,118,000 | 4,372 |
| Average total loans | $74,040,670 | 4,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,567 |
| Cost of funding earning assets | 0.3573% | 4,469 |
| Net interest margin | 3.9307% | 1,978 |
| Noninterest income to average assets | 1.3489% | 633 |
| Noninterest expense to average assets | 2.1591% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.8375% | 105 |
| Return on assets (ROA) | 2.8375% | 108 |
| Pretax return on assets | 2.8775% | 153 |
| Return on Equity (ROE) | 23.5684% | 158 |
| Retained earnings to average equity (ytd only) | -0.0331% | 5,558 |
| Net charge-offs to loans | -0.0586% | 5,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8685% | 6,527 |
| Assets per employee ($millions) | 6.2308% | 1,161 |
| Cash dividends to net income (ytd only)* | 100.1406% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 5,917 |
| Loan loss allowance to noncurrent loans | 92.9598% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.4906% | 1,285 |
| Noncurrent loans to loans | 0.9495% | 3,516 |
| Net loans and leases to total assets | 72.8787% | 1,438 |
| Net loans and leases to deposits | 95.6264% | 680 |
| Net loans and leases to core deposits | 103.8641% | 866 |
| Total domestic deposits to total assets | 76.2120% | 6,058 |
| Equity capital to assets | 12.1202% | 1,792 |
| Core capital (leverage) ratio | 12.5237% | 1,375 |
| Tier 1 risk-based capital ratio | 15.4813% | 3,443 |
| Total risk-based capital ratio | 16.2762% | 3,646 |
| Memoranda: | ||
| Average total assets | $100,227,500 | 4,732 |
| Average earning assets | $94,029,500 | 4,684 |
| Average equity | $12,067,000 | 4,407 |
| Average total loans | $75,139,500 | 4,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,909 |
| Cost of funding earning assets | 0.3845% | 4,806 |
| Net interest margin | 3.6689% | 3,178 |
| Noninterest income to average assets | 0.8257% | 1,959 |
| Noninterest expense to average assets | 2.3209% | 5,314 |
| Loan and lease loss provision to assets | 0.2519% | 1,432 |
| Net operating income to assets | 1.6533% | 629 |
| Return on assets (ROA) | 1.6319% | 666 |
| Pretax return on assets | 1.6556% | 1,042 |
| Return on Equity (ROE) | 13.4073% | 1,086 |
| Retained earnings to average equity (ytd only) | 3.1596% | 3,989 |
| Net charge-offs to loans | 0.3581% | 1,886 |
| Credit loss provision to net charge-offs | 93.5115% | 2,663 |
| Earnings coverage of net charge-offs (x) | 7.1603% | 2,904 |
| Efficiency ratio | 54.6092% | 6,083 |
| Assets per employee ($millions) | 6.7175% | 891 |
| Cash dividends to net income (ytd only)* | 76.4335% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 6,110 |
| Loan loss allowance to noncurrent loans | 86.4130% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.5188% | 1,357 |
| Noncurrent loans to loans | 0.9561% | 3,601 |
| Net loans and leases to total assets | 75.7637% | 1,110 |
| Net loans and leases to deposits | 103.5090% | 338 |
| Net loans and leases to core deposits | 108.5422% | 669 |
| Total domestic deposits to total assets | 73.1953% | 6,338 |
| Equity capital to assets | 11.9599% | 1,833 |
| Core capital (leverage) ratio | 13.0272% | 1,131 |
| Tier 1 risk-based capital ratio | 14.9986% | 3,669 |
| Total risk-based capital ratio | 15.7556% | 3,886 |
| Memoranda: | ||
| Average total assets | $97,247,400 | 4,806 |
| Average earning assets | $90,764,000 | 4,752 |
| Average equity | $11,836,800 | 4,476 |
| Average total loans | $73,160,400 | 4,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,988 |
| Cost of funding earning assets | 0.4012% | 4,810 |
| Net interest margin | 3.6363% | 3,295 |
| Noninterest income to average assets | 1.0778% | 1,260 |
| Noninterest expense to average assets | 2.3257% | 5,255 |
| Loan and lease loss provision to assets | 0.3390% | 960 |
| Net operating income to assets | 1.7720% | 555 |
| Return on assets (ROA) | 1.7419% | 612 |
| Pretax return on assets | 1.7682% | 965 |
| Return on Equity (ROE) | 14.2458% | 940 |
| Retained earnings to average equity (ytd only) | 4.5148% | 3,463 |
| Net charge-offs to loans | 0.4081% | 1,573 |
| Credit loss provision to net charge-offs | 110.8597% | 2,128 |
| Earnings coverage of net charge-offs (x) | 6.9909% | 2,872 |
| Efficiency ratio | 52.1079% | 6,244 |
| Assets per employee ($millions) | 6.5283% | 924 |
| Cash dividends to net income (ytd only)* | 68.3085% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 5,950 |
| Loan loss allowance to noncurrent loans | 68.3519% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.1841% | 1,129 |
| Noncurrent loans to loans | 1.3734% | 3,120 |
| Net loans and leases to total assets | 72.8445% | 1,476 |
| Net loans and leases to deposits | 94.9676% | 763 |
| Net loans and leases to core deposits | 95.9602% | 1,398 |
| Total domestic deposits to total assets | 76.7046% | 6,087 |
| Equity capital to assets | 12.2339% | 1,757 |
| Core capital (leverage) ratio | 13.3073% | 1,097 |
| Tier 1 risk-based capital ratio | 15.5841% | 3,419 |
| Total risk-based capital ratio | 16.4184% | 3,606 |
| Memoranda: | ||
| Average total assets | $96,368,750 | 4,875 |
| Average earning assets | $89,722,500 | 4,820 |
| Average equity | $11,783,250 | 4,540 |
| Average total loans | $72,206,250 | 4,219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,932 |
| Cost of funding earning assets | 0.4154% | 4,804 |
| Net interest margin | 3.6318% | 3,238 |
| Noninterest income to average assets | 1.5253% | 674 |
| Noninterest expense to average assets | 2.2953% | 5,387 |
| Loan and lease loss provision to assets | 0.5112% | 525 |
| Net operating income to assets | 2.0788% | 314 |
| Return on assets (ROA) | 2.0031% | 381 |
| Pretax return on assets | 2.0344% | 567 |
| Return on Equity (ROE) | 16.3855% | 622 |
| Retained earnings to average equity (ytd only) | 2.3042% | 4,819 |
| Net charge-offs to loans | 0.2186% | 2,438 |
| Credit loss provision to net charge-offs | 310.1266% | 830 |
| Earnings coverage of net charge-offs (x) | 15.9114% | 1,696 |
| Efficiency ratio | 46.6695% | 6,604 |
| Assets per employee ($millions) | 6.3221% | 997 |
| Cash dividends to net income (ytd only)* | 85.9375% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,255 |
| Loan loss allowance to noncurrent loans | 78.6744% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 3.4609% | 1,118 |
| Noncurrent loans to loans | 1.4583% | 3,121 |
| Net loans and leases to total assets | 74.4116% | 1,190 |
| Net loans and leases to deposits | 90.0536% | 1,139 |
| Net loans and leases to core deposits | 91.9008% | 1,720 |
| Total domestic deposits to total assets | 82.6303% | 4,844 |
| Equity capital to assets | 12.5243% | 1,564 |
| Core capital (leverage) ratio | 12.7730% | 1,256 |
| Tier 1 risk-based capital ratio | 15.3256% | 3,581 |
| Total risk-based capital ratio | 16.3408% | 3,681 |
| Memoranda: | ||
| Average total assets | $95,850,000 | 4,915 |
| Average earning assets | $89,542,330 | 4,858 |
| Average equity | $11,717,670 | 4,584 |
| Average total loans | $72,272,000 | 4,232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 4,086 |
| Cost of funding earning assets | 0.4261% | 4,851 |
| Net interest margin | 3.5819% | 3,335 |
| Noninterest income to average assets | 0.1204% | 6,498 |
| Noninterest expense to average assets | 2.0590% | 5,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3909% | 1,050 |
| Return on assets (ROA) | 1.4155% | 1,087 |
| Pretax return on assets | 1.4363% | 1,751 |
| Return on Equity (ROE) | 11.7202% | 1,490 |
| Retained earnings to average equity (ytd only) | -15.4322% | 6,755 |
| Net charge-offs to loans | -0.0110% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3301% | 5,680 |
| Assets per employee ($millions) | 6.4889% | 988 |
| Cash dividends to net income (ytd only)* | 231.6716% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,251 |
| Loan loss allowance to noncurrent loans | 76.6706% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 3.2887% | 1,330 |
| Noncurrent loans to loans | 1.1791% | 3,805 |
| Net loans and leases to total assets | 73.6516% | 1,128 |
| Net loans and leases to deposits | 90.4923% | 920 |
| Net loans and leases to core deposits | 92.6465% | 1,443 |
| Total domestic deposits to total assets | 81.3899% | 5,395 |
| Equity capital to assets | 11.7225% | 2,237 |
| Core capital (leverage) ratio | 12.0926% | 1,513 |
| Tier 1 risk-based capital ratio | 14.2979% | 4,288 |
| Total risk-based capital ratio | 15.0917% | 4,581 |
| Memoranda: | ||
| Average total assets | $96,359,000 | 4,946 |
| Average earning assets | $90,121,000 | 4,886 |
| Average equity | $11,638,000 | 4,643 |
| Average total loans | $72,715,500 | 4,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,568 |
| Cost of funding earning assets | 0.6336% | 4,062 |
| Net interest margin | 3.8266% | 3,119 |
| Noninterest income to average assets | 0.0648% | 6,641 |
| Noninterest expense to average assets | 2.2144% | 5,897 |
| Loan and lease loss provision to assets | 0.0784% | 4,727 |
| Net operating income to assets | 1.3075% | 1,280 |
| Return on assets (ROA) | 1.3655% | 1,288 |
| Pretax return on assets | 1.3853% | 2,089 |
| Return on Equity (ROE) | 10.9380% | 1,823 |
| Retained earnings to average equity (ytd only) | -0.8291% | 5,992 |
| Net charge-offs to loans | 0.1076% | 4,592 |
| Credit loss provision to net charge-offs | 98.6842% | 3,143 |
| Earnings coverage of net charge-offs (x) | 17.6842% | 1,492 |
| Efficiency ratio | 61.1785% | 5,362 |
| Assets per employee ($millions) | 6.3589% | 1,063 |
| Cash dividends to net income (ytd only)* | 107.5804% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,277 |
| Loan loss allowance to noncurrent loans | 89.6978% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 3.3758% | 1,363 |
| Noncurrent loans to loans | 0.9960% | 4,201 |
| Net loans and leases to total assets | 75.9415% | 919 |
| Net loans and leases to deposits | 94.3398% | 730 |
| Net loans and leases to core deposits | 96.9744% | 1,225 |
| Total domestic deposits to total assets | 80.4978% | 5,545 |
| Equity capital to assets | 12.4402% | 1,755 |
| Core capital (leverage) ratio | 12.4324% | 1,350 |
| Tier 1 risk-based capital ratio | 14.6585% | 3,924 |
| Total risk-based capital ratio | 15.4413% | 4,209 |
| Memoranda: | ||
| Average total assets | $95,644,600 | 4,949 |
| Average earning assets | $88,851,600 | 4,902 |
| Average equity | $11,940,000 | 4,582 |
| Average total loans | $70,606,000 | 4,340 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 3,525 |
| Cost of funding earning assets | 0.6677% | 4,036 |
| Net interest margin | 3.8603% | 3,074 |
| Noninterest income to average assets | 0.1184% | 6,547 |
| Noninterest expense to average assets | 2.0617% | 6,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6078% | 822 |
| Return on assets (ROA) | 1.6160% | 902 |
| Pretax return on assets | 1.6410% | 1,449 |
| Return on Equity (ROE) | 12.9333% | 1,355 |
| Retained earnings to average equity (ytd only) | 1.0592% | 5,747 |
| Net charge-offs to loans | 0.1696% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.1690% | 1,938 |
| Efficiency ratio | 55.8069% | 6,076 |
| Assets per employee ($millions) | 6.6205% | 893 |
| Cash dividends to net income (ytd only)* | 91.8099% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 6,643 |
| Loan loss allowance to noncurrent loans | 59.9362% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 3.4962% | 1,436 |
| Noncurrent loans to loans | 1.2994% | 3,865 |
| Net loans and leases to total assets | 72.3567% | 1,491 |
| Net loans and leases to deposits | 90.0462% | 1,143 |
| Net loans and leases to core deposits | 92.1656% | 1,766 |
| Total domestic deposits to total assets | 80.3551% | 5,559 |
| Equity capital to assets | 12.3021% | 2,040 |
| Core capital (leverage) ratio | 12.5252% | 1,398 |
| Tier 1 risk-based capital ratio | 14.7994% | 3,985 |
| Total risk-based capital ratio | 15.4713% | 4,338 |
| Memoranda: | ||
| Average total assets | $95,709,750 | 4,994 |
| Average earning assets | $88,661,500 | 4,952 |
| Average equity | $11,958,500 | 4,621 |
| Average total loans | $69,985,250 | 4,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 2,641 |
| Cost of funding earning assets | 0.6909% | 4,086 |
| Net interest margin | 4.0793% | 2,171 |
| Noninterest income to average assets | 0.0910% | 6,711 |
| Noninterest expense to average assets | 2.2029% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6357% | 777 |
| Return on assets (ROA) | 1.6316% | 873 |
| Pretax return on assets | 1.6570% | 1,374 |
| Return on Equity (ROE) | 12.9882% | 1,367 |
| Retained earnings to average equity (ytd only) | -4.2789% | 6,573 |
| Net charge-offs to loans | 0.2168% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.4667% | 2,044 |
| Efficiency ratio | 57.0099% | 6,000 |
| Assets per employee ($millions) | 6.3565% | 1,036 |
| Cash dividends to net income (ytd only)* | 132.9442% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 6,602 |
| Loan loss allowance to noncurrent loans | 114.2292% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 3.1076% | 1,752 |
| Noncurrent loans to loans | 0.7294% | 5,043 |
| Net loans and leases to total assets | 72.1470% | 1,532 |
| Net loans and leases to deposits | 88.5739% | 1,308 |
| Net loans and leases to core deposits | 90.6587% | 1,912 |
| Total domestic deposits to total assets | 81.4541% | 5,313 |
| Equity capital to assets | 12.3738% | 1,898 |
| Core capital (leverage) ratio | 12.6638% | 1,285 |
| Tier 1 risk-based capital ratio | 15.0461% | 3,743 |
| Total risk-based capital ratio | 15.7665% | 4,055 |
| Memoranda: | ||
| Average total assets | $94,510,330 | 5,055 |
| Average earning assets | $87,417,670 | 5,010 |
| Average equity | $11,872,330 | 4,635 |
| Average total loans | $69,173,670 | 4,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 2,596 |
| Cost of funding earning assets | 0.7201% | 4,108 |
| Net interest margin | 4.0899% | 2,136 |
| Noninterest income to average assets | 0.1530% | 6,476 |
| Noninterest expense to average assets | 2.3424% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5514% | 940 |
| Return on assets (ROA) | 1.5389% | 1,079 |
| Pretax return on assets | 1.5644% | 1,689 |
| Return on Equity (ROE) | 12.1584% | 1,625 |
| Retained earnings to average equity (ytd only) | -7.9936% | 6,764 |
| Net charge-offs to loans | 0.3069% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 59.7614% | 5,655 |
| Assets per employee ($millions) | 6.2233% | 1,139 |
| Cash dividends to net income (ytd only)* | 165.7459% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,632 |
| Loan loss allowance to noncurrent loans | 67.1892% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.7729% | 1,484 |
| Noncurrent loans to loans | 1.2719% | 4,202 |
| Net loans and leases to total assets | 74.5678% | 979 |
| Net loans and leases to deposits | 89.9515% | 967 |
| Net loans and leases to core deposits | 91.7695% | 1,675 |
| Total domestic deposits to total assets | 82.8977% | 4,975 |
| Equity capital to assets | 12.6331% | 1,639 |
| Core capital (leverage) ratio | 12.9133% | 1,156 |
| Tier 1 risk-based capital ratio | 14.7100% | 3,948 |
| Total risk-based capital ratio | 15.4401% | 4,301 |
| Memoranda: | ||
| Average total assets | $94,092,000 | 5,099 |
| Average earning assets | $86,651,500 | 5,062 |
| Average equity | $11,909,500 | 4,631 |
| Average total loans | $69,076,500 | 4,478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 2,403 |
| Cost of funding earning assets | 0.9602% | 3,642 |
| Net interest margin | 4.1527% | 2,224 |
| Noninterest income to average assets | 0.2444% | 5,794 |
| Noninterest expense to average assets | 2.6639% | 4,874 |
| Loan and lease loss provision to assets | 0.2777% | 3,445 |
| Net operating income to assets | 1.1027% | 1,819 |
| Return on assets (ROA) | 1.0644% | 2,086 |
| Pretax return on assets | 1.0684% | 2,963 |
| Return on Equity (ROE) | 9.1230% | 2,395 |
| Retained earnings to average equity (ytd only) | 8.4306% | 944 |
| Net charge-offs to loans | 0.4990% | 2,996 |
| Credit loss provision to net charge-offs | 76.6017% | 4,616 |
| Earnings coverage of net charge-offs (x) | 3.8189% | 3,375 |
| Efficiency ratio | 65.8019% | 4,811 |
| Assets per employee ($millions) | 6.3223% | 1,045 |
| Cash dividends to net income (ytd only)* | 7.5901% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 6,360 |
| Loan loss allowance to noncurrent loans | 45.3787% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.3181% | 1,290 |
| Noncurrent loans to loans | 2.1179% | 3,045 |
| Net loans and leases to total assets | 70.9566% | 1,827 |
| Net loans and leases to deposits | 81.4089% | 2,291 |
| Net loans and leases to core deposits | 86.3824% | 2,585 |
| Total domestic deposits to total assets | 87.1607% | 2,663 |
| Equity capital to assets | 12.6811% | 1,671 |
| Core capital (leverage) ratio | 12.8333% | 1,205 |
| Tier 1 risk-based capital ratio | 15.1462% | 3,549 |
| Total risk-based capital ratio | 15.9485% | 3,810 |
| Memoranda: | ||
| Average total assets | $99,026,800 | 4,915 |
| Average earning assets | $90,712,400 | 4,906 |
| Average equity | $11,553,200 | 4,647 |
| Average total loans | $71,938,200 | 4,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 2,324 |
| Cost of funding earning assets | 1.0041% | 3,654 |
| Net interest margin | 4.1619% | 2,235 |
| Noninterest income to average assets | 0.2451% | 5,868 |
| Noninterest expense to average assets | 2.7365% | 4,589 |
| Loan and lease loss provision to assets | 0.3664% | 2,659 |
| Net operating income to assets | 0.9382% | 2,578 |
| Return on assets (ROA) | 1.0165% | 2,417 |
| Pretax return on assets | 1.0325% | 3,275 |
| Return on Equity (ROE) | 8.8965% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.0803% | 1,482 |
| Net charge-offs to loans | 0.6087% | 2,422 |
| Credit loss provision to net charge-offs | 82.5826% | 4,053 |
| Earnings coverage of net charge-offs (x) | 2.9730% | 3,654 |
| Efficiency ratio | 67.4770% | 4,424 |
| Assets per employee ($millions) | 6.3949% | 993 |
| Cash dividends to net income (ytd only)* | 9.1742% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 6,513 |
| Loan loss allowance to noncurrent loans | 36.5893% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 4.6902% | 1,259 |
| Noncurrent loans to loans | 2.5411% | 2,729 |
| Net loans and leases to total assets | 75.3117% | 1,093 |
| Net loans and leases to deposits | 86.0864% | 1,682 |
| Net loans and leases to core deposits | 91.8315% | 2,019 |
| Total domestic deposits to total assets | 87.4838% | 2,361 |
| Equity capital to assets | 12.2274% | 2,071 |
| Core capital (leverage) ratio | 12.0957% | 1,654 |
| Tier 1 risk-based capital ratio | 14.3651% | 4,079 |
| Total risk-based capital ratio | 15.1736% | 4,369 |
| Memoranda: | ||
| Average total assets | $100,075,000 | 4,929 |
| Average earning assets | $91,622,500 | 4,905 |
| Average equity | $11,435,000 | 4,711 |
| Average total loans | $72,936,750 | 4,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 2,201 |
| Cost of funding earning assets | 1.0303% | 3,744 |
| Net interest margin | 4.1858% | 2,092 |
| Noninterest income to average assets | 0.2090% | 6,169 |
| Noninterest expense to average assets | 2.3892% | 5,877 |
| Loan and lease loss provision to assets | 0.3942% | 2,442 |
| Net operating income to assets | 1.2340% | 1,478 |
| Return on assets (ROA) | 1.2340% | 1,551 |
| Pretax return on assets | 1.2537% | 2,289 |
| Return on Equity (ROE) | 11.0435% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.8671% | 690 |
| Net charge-offs to loans | 0.4250% | 2,864 |
| Credit loss provision to net charge-offs | 129.0323% | 2,364 |
| Earnings coverage of net charge-offs (x) | 5.3935% | 2,619 |
| Efficiency ratio | 59.1797% | 6,001 |
| Assets per employee ($millions) | 6.6202% | 869 |
| Cash dividends to net income (ytd only)* | 1.5974% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,912 |
| Loan loss allowance to noncurrent loans | 35.6264% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 5.1408% | 1,186 |
| Noncurrent loans to loans | 3.1189% | 2,311 |
| Net loans and leases to total assets | 70.0835% | 2,203 |
| Net loans and leases to deposits | 79.5954% | 2,870 |
| Net loans and leases to core deposits | 79.5954% | 3,849 |
| Total domestic deposits to total assets | 88.0497% | 2,108 |
| Equity capital to assets | 11.8043% | 2,242 |
| Core capital (leverage) ratio | 11.9168% | 1,655 |
| Tier 1 risk-based capital ratio | 14.6611% | 3,692 |
| Total risk-based capital ratio | 15.6191% | 3,857 |
| Memoranda: | ||
| Average total assets | $101,458,670 | 4,917 |
| Average earning assets | $92,789,670 | 4,908 |
| Average equity | $11,337,000 | 4,732 |
| Average total loans | $72,942,330 | 4,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 1,929 |
| Cost of funding earning assets | 1.0836% | 3,636 |
| Net interest margin | 4.1975% | 1,899 |
| Noninterest income to average assets | 0.1482% | 6,666 |
| Noninterest expense to average assets | 2.3211% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6266% | 654 |
| Return on assets (ROA) | 1.6111% | 715 |
| Pretax return on assets | 1.6345% | 1,118 |
| Return on Equity (ROE) | 14.8235% | 850 |
| Retained earnings to average equity (ytd only) | 14.8235% | 409 |
| Net charge-offs to loans | -0.7221% | 7,456 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4479% | 6,211 |
| Assets per employee ($millions) | 6.8039% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,774 |
| Loan loss allowance to noncurrent loans | 26.1326% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 5.8535% | 1,006 |
| Noncurrent loans to loans | 4.4730% | 1,567 |
| Net loans and leases to total assets | 72.1580% | 1,687 |
| Net loans and leases to deposits | 81.2783% | 2,483 |
| Net loans and leases to core deposits | 81.2783% | 3,565 |
| Total domestic deposits to total assets | 88.7789% | 1,913 |
| Equity capital to assets | 11.0957% | 2,592 |
| Core capital (leverage) ratio | 11.4129% | 1,902 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,602 |
| Total risk-based capital ratio | 14.2545% | 4,809 |
| Memoranda: | ||
| Average total assets | $102,536,500 | 4,929 |
| Average earning assets | $93,390,000 | 4,930 |
| Average equity | $11,144,500 | 4,761 |
| Average total loans | $74,225,000 | 4,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 3,265 |
| Cost of funding earning assets | 1.5061% | 2,599 |
| Net interest margin | 3.7652% | 4,085 |
| Noninterest income to average assets | 0.1880% | 6,412 |
| Noninterest expense to average assets | 2.9755% | 3,943 |
| Loan and lease loss provision to assets | 0.6329% | 2,600 |
| Net operating income to assets | 0.0182% | 5,781 |
| Return on assets (ROA) | 0.0642% | 5,811 |
| Pretax return on assets | 0.0661% | 5,766 |
| Return on Equity (ROE) | 0.6987% | 5,782 |
| Retained earnings to average equity (ytd only) | -0.3646% | 5,684 |
| Net charge-offs to loans | 1.5425% | 1,424 |
| Credit loss provision to net charge-offs | 59.7540% | 6,087 |
| Earnings coverage of net charge-offs (x) | 0.6151% | 5,490 |
| Efficiency ratio | 82.0375% | 2,161 |
| Assets per employee ($millions) | 7.3582% | 629 |
| Cash dividends to net income (ytd only)* | 152.1739% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,407 |
| Loan loss allowance to noncurrent loans | 24.5995% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 5.7215% | 1,068 |
| Noncurrent loans to loans | 4.0522% | 1,783 |
| Net loans and leases to total assets | 71.0566% | 2,288 |
| Net loans and leases to deposits | 81.4154% | 2,916 |
| Net loans and leases to core deposits | 90.6108% | 2,679 |
| Total domestic deposits to total assets | 87.2766% | 2,681 |
| Equity capital to assets | 10.6441% | 3,030 |
| Core capital (leverage) ratio | 10.8725% | 2,253 |
| Tier 1 risk-based capital ratio | 12.8236% | 4,755 |
| Total risk-based capital ratio | 13.6561% | 5,084 |
| Memoranda: | ||
| Average total assets | $107,443,800 | 4,789 |
| Average earning assets | $98,135,800 | 4,766 |
| Average equity | $9,875,000 | 5,168 |
| Average total loans | $73,776,600 | 4,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1282% | 4,178 |
| Cost of funding earning assets | 1.5896% | 2,445 |
| Net interest margin | 3.5387% | 5,147 |
| Noninterest income to average assets | 0.1830% | 6,571 |
| Noninterest expense to average assets | 2.6727% | 4,991 |
| Loan and lease loss provision to assets | 0.5896% | 2,576 |
| Net operating income to assets | 0.1505% | 5,638 |
| Return on assets (ROA) | 0.2383% | 5,560 |
| Pretax return on assets | 0.2542% | 5,604 |
| Return on Equity (ROE) | 2.6937% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.2357% | 5,319 |
| Net charge-offs to loans | 1.6708% | 1,181 |
| Credit loss provision to net charge-offs | 51.9481% | 5,854 |
| Earnings coverage of net charge-offs (x) | 0.6613% | 5,383 |
| Efficiency ratio | 78.0768% | 2,613 |
| Assets per employee ($millions) | 7.3646% | 664 |
| Cash dividends to net income (ytd only)* | 54.1251% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,147 |
| Loan loss allowance to noncurrent loans | 23.4468% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 6.2538% | 927 |
| Noncurrent loans to loans | 4.4911% | 1,607 |
| Net loans and leases to total assets | 68.4428% | 3,117 |
| Net loans and leases to deposits | 78.0896% | 3,811 |
| Net loans and leases to core deposits | 90.6193% | 3,008 |
| Total domestic deposits to total assets | 87.6466% | 2,185 |
| Equity capital to assets | 10.1169% | 3,996 |
| Core capital (leverage) ratio | 10.1336% | 3,117 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,882 |
| Total risk-based capital ratio | 13.4878% | 5,200 |
| Memoranda: | ||
| Average total assets | $108,551,000 | 4,819 |
| Average earning assets | $99,395,000 | 4,804 |
| Average equity | $9,602,500 | 5,315 |
| Average total loans | $73,736,750 | 4,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 3,443 |
| Cost of funding earning assets | 1.6703% | 2,283 |
| Net interest margin | 3.6358% | 4,656 |
| Noninterest income to average assets | 0.1740% | 6,663 |
| Noninterest expense to average assets | 2.5406% | 5,565 |
| Loan and lease loss provision to assets | 0.1450% | 5,446 |
| Net operating income to assets | 0.8035% | 2,957 |
| Return on assets (ROA) | 0.8735% | 2,776 |
| Pretax return on assets | 0.8843% | 3,563 |
| Return on Equity (ROE) | 10.3363% | 1,982 |
| Retained earnings to average equity (ytd only) | 8.7280% | 1,195 |
| Net charge-offs to loans | 1.3066% | 1,455 |
| Credit loss provision to net charge-offs | 16.4271% | 5,883 |
| Earnings coverage of net charge-offs (x) | 1.0862% | 4,707 |
| Efficiency ratio | 72.6049% | 3,724 |
| Assets per employee ($millions) | 7.7615% | 553 |
| Cash dividends to net income (ytd only)* | 15.5602% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,973 |
| Loan loss allowance to noncurrent loans | 24.6713% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 5.9331% | 1,000 |
| Noncurrent loans to loans | 4.4333% | 1,646 |
| Net loans and leases to total assets | 65.5773% | 3,922 |
| Net loans and leases to deposits | 75.4505% | 4,429 |
| Net loans and leases to core deposits | 85.5046% | 3,908 |
| Total domestic deposits to total assets | 86.9143% | 2,575 |
| Equity capital to assets | 9.0529% | 5,364 |
| Core capital (leverage) ratio | 9.5439% | 3,753 |
| Tier 1 risk-based capital ratio | 12.3528% | 4,989 |
| Total risk-based capital ratio | 13.2770% | 5,251 |
| Memoranda: | ||
| Average total assets | $110,366,330 | 4,793 |
| Average earning assets | $100,939,670 | 4,780 |
| Average equity | $9,326,330 | 5,406 |
| Average total loans | $74,542,670 | 4,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 4,013 |
| Cost of funding earning assets | 1.7218% | 2,282 |
| Net interest margin | 3.4788% | 5,246 |
| Noninterest income to average assets | 0.1475% | 6,920 |
| Noninterest expense to average assets | 3.1218% | 3,177 |
| Loan and lease loss provision to assets | 0.2877% | 3,722 |
| Net operating income to assets | -0.0542% | 6,374 |
| Return on assets (ROA) | 0.0575% | 6,249 |
| Pretax return on assets | 0.0683% | 6,209 |
| Return on Equity (ROE) | 0.7055% | 6,204 |
| Retained earnings to average equity (ytd only) | -1.0583% | 6,060 |
| Net charge-offs to loans | 0.4169% | 2,792 |
| Credit loss provision to net charge-offs | 101.2658% | 3,353 |
| Earnings coverage of net charge-offs (x) | 0.7848% | 4,338 |
| Efficiency ratio | 93.3333% | 1,177 |
| Assets per employee ($millions) | 7.8025% | 560 |
| Cash dividends to net income (ytd only)* | 250.0000% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,586 |
| Loan loss allowance to noncurrent loans | 31.7747% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 5.9679% | 1,011 |
| Noncurrent loans to loans | 4.9335% | 1,475 |
| Net loans and leases to total assets | 68.7499% | 3,218 |
| Net loans and leases to deposits | 78.3072% | 3,979 |
| Net loans and leases to core deposits | 83.6609% | 4,254 |
| Total domestic deposits to total assets | 87.7951% | 2,182 |
| Equity capital to assets | 8.2208% | 6,405 |
| Core capital (leverage) ratio | 8.5368% | 5,310 |
| Tier 1 risk-based capital ratio | 9.9354% | 7,075 |
| Total risk-based capital ratio | 11.1636% | 7,075 |
| Memoranda: | ||
| Average total assets | $111,219,000 | 4,843 |
| Average earning assets | $102,218,500 | 4,810 |
| Average equity | $9,071,000 | 5,525 |
| Average total loans | $75,791,500 | 4,641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 5,729 |
| Cost of funding earning assets | 2.4101% | 1,269 |
| Net interest margin | 2.7736% | 7,102 |
| Noninterest income to average assets | 0.1448% | 7,015 |
| Noninterest expense to average assets | 3.0260% | 4,046 |
| Loan and lease loss provision to assets | 1.4915% | 1,543 |
| Net operating income to assets | -1.8398% | 7,025 |
| Return on assets (ROA) | -2.2751% | 7,190 |
| Pretax return on assets | -2.2751% | 7,052 |
| Return on Equity (ROE) | -26.0525% | 7,315 |
| Retained earnings to average equity (ytd only) | -30.3557% | 7,395 |
| Net charge-offs to loans | 2.4145% | 946 |
| Credit loss provision to net charge-offs | 98.5005% | 5,657 |
| Earnings coverage of net charge-offs (x) | -0.2301% | 6,490 |
| Efficiency ratio | 113.0117% | 740 |
| Assets per employee ($millions) | 8.0859% | 493 |
| Cash dividends to net income (ytd only)* | -16.5175% | 7,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 3,336 |
| Loan loss allowance to noncurrent loans | 40.2086% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 5.3771% | 1,094 |
| Noncurrent loans to loans | 3.9475% | 1,876 |
| Net loans and leases to total assets | 65.4514% | 4,288 |
| Net loans and leases to deposits | 75.5296% | 4,815 |
| Net loans and leases to core deposits | 103.4284% | 3,636 |
| Total domestic deposits to total assets | 86.6567% | 2,678 |
| Equity capital to assets | 8.0934% | 6,469 |
| Core capital (leverage) ratio | 8.1991% | 5,811 |
| Tier 1 risk-based capital ratio | 10.0393% | 6,837 |
| Total risk-based capital ratio | 11.2763% | 6,818 |
| Memoranda: | ||
| Average total assets | $127,728,000 | 4,386 |
| Average earning assets | $116,635,000 | 4,384 |
| Average equity | $11,154,400 | 4,978 |
| Average total loans | $80,101,000 | 4,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 5,874 |
| Cost of funding earning assets | 2.5260% | 1,219 |
| Net interest margin | 2.6745% | 7,257 |
| Noninterest income to average assets | 0.1462% | 7,126 |
| Noninterest expense to average assets | 2.6207% | 5,638 |
| Loan and lease loss provision to assets | 1.5276% | 1,248 |
| Net operating income to assets | -1.5702% | 7,143 |
| Return on assets (ROA) | -1.7955% | 7,234 |
| Pretax return on assets | -1.7955% | 7,089 |
| Return on Equity (ROE) | -20.2412% | 7,379 |
| Retained earnings to average equity (ytd only) | -25.7334% | 7,499 |
| Net charge-offs to loans | 2.8223% | 623 |
| Credit loss provision to net charge-offs | 87.4492% | 5,554 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 6,098 |
| Efficiency ratio | 101.6535% | 991 |
| Assets per employee ($millions) | 8.8917% | 378 |
| Cash dividends to net income (ytd only)* | -27.1338% | 7,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 4,427 |
| Loan loss allowance to noncurrent loans | 31.4803% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 5.8489% | 939 |
| Noncurrent loans to loans | 4.1650% | 1,740 |
| Net loans and leases to total assets | 60.9476% | 5,435 |
| Net loans and leases to deposits | 70.3555% | 5,867 |
| Net loans and leases to core deposits | 99.3661% | 4,445 |
| Total domestic deposits to total assets | 86.6280% | 2,365 |
| Equity capital to assets | 8.3376% | 6,459 |
| Core capital (leverage) ratio | 8.5656% | 5,360 |
| Tier 1 risk-based capital ratio | 10.4203% | 6,553 |
| Total risk-based capital ratio | 11.3897% | 6,788 |
| Memoranda: | ||
| Average total assets | $131,359,250 | 4,344 |
| Average earning assets | $119,447,500 | 4,360 |
| Average equity | $11,652,500 | 4,882 |
| Average total loans | $81,304,250 | 4,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 5,900 |
| Cost of funding earning assets | 2.6219% | 1,227 |
| Net interest margin | 2.6219% | 7,331 |
| Noninterest income to average assets | 0.1362% | 7,281 |
| Noninterest expense to average assets | 2.0352% | 7,399 |
| Loan and lease loss provision to assets | 1.0550% | 1,616 |
| Net operating income to assets | -0.5776% | 6,630 |
| Return on assets (ROA) | -0.2529% | 6,280 |
| Pretax return on assets | -0.2529% | 6,181 |
| Return on Equity (ROE) | -2.7987% | 6,337 |
| Retained earnings to average equity (ytd only) | -10.7477% | 6,953 |
| Net charge-offs to loans | 3.1119% | 527 |
| Credit loss provision to net charge-offs | 54.7360% | 5,684 |
| Earnings coverage of net charge-offs (x) | 0.2477% | 5,425 |
| Efficiency ratio | 81.0006% | 2,887 |
| Assets per employee ($millions) | 9.0666% | 342 |
| Cash dividends to net income (ytd only)* | -284.0237% | 8,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 7,076 |
| Loan loss allowance to noncurrent loans | 18.9309% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 6.1702% | 776 |
| Noncurrent loans to loans | 4.3464% | 1,496 |
| Net loans and leases to total assets | 60.8696% | 5,540 |
| Net loans and leases to deposits | 71.0164% | 5,865 |
| Net loans and leases to core deposits | 100.7669% | 4,428 |
| Total domestic deposits to total assets | 85.7120% | 2,919 |
| Equity capital to assets | 9.3066% | 4,856 |
| Core capital (leverage) ratio | 8.8919% | 4,798 |
| Tier 1 risk-based capital ratio | 11.7757% | 5,127 |
| Total risk-based capital ratio | 12.3827% | 5,651 |
| Memoranda: | ||
| Average total assets | $133,651,000 | 4,314 |
| Average earning assets | $121,134,330 | 4,339 |
| Average equity | $12,077,000 | 4,793 |
| Average total loans | $82,779,670 | 4,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 6,254 |
| Cost of funding earning assets | 2.7027% | 1,265 |
| Net interest margin | 2.5074% | 7,490 |
| Noninterest income to average assets | 0.1285% | 7,373 |
| Noninterest expense to average assets | 1.3342% | 8,065 |
| Loan and lease loss provision to assets | -0.7153% | 8,232 |
| Net operating income to assets | 1.8123% | 518 |
| Return on assets (ROA) | 2.3239% | 213 |
| Pretax return on assets | 2.3502% | 334 |
| Return on Equity (ROE) | 26.0791% | 164 |
| Retained earnings to average equity (ytd only) | 13.9569% | 520 |
| Net charge-offs to loans | 1.0984% | 1,239 |
| Credit loss provision to net charge-offs | -104.7009% | 6,217 |
| Earnings coverage of net charge-offs (x) | 1.6368% | 3,913 |
| Efficiency ratio | 54.4048% | 7,177 |
| Assets per employee ($millions) | 9.3605% | 325 |
| Cash dividends to net income (ytd only)* | 46.4824% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 6,817 |
| Loan loss allowance to noncurrent loans | 20.3219% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 5.9544% | 675 |
| Noncurrent loans to loans | 4.3492% | 1,342 |
| Net loans and leases to total assets | 63.7535% | 5,033 |
| Net loans and leases to deposits | 74.6836% | 5,401 |
| Net loans and leases to core deposits | 118.9163% | 2,511 |
| Total domestic deposits to total assets | 85.3648% | 3,029 |
| Equity capital to assets | 9.6240% | 4,491 |
| Core capital (leverage) ratio | 9.6612% | 3,803 |
| Tier 1 risk-based capital ratio | 13.4475% | 3,897 |
| Total risk-based capital ratio | 14.1889% | 4,146 |
| Memoranda: | ||
| Average total assets | $137,010,500 | 4,251 |
| Average earning assets | $126,983,500 | 4,221 |
| Average equity | $12,209,000 | 4,783 |
| Average total loans | $85,217,500 | 4,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 5,850 |
| Cost of funding earning assets | 3.2463% | 1,048 |
| Net interest margin | 2.6939% | 7,507 |
| Noninterest income to average assets | 0.2145% | 6,899 |
| Noninterest expense to average assets | 1.4824% | 8,042 |
| Loan and lease loss provision to assets | 1.4436% | 953 |
| Net operating income to assets | -0.1845% | 6,603 |
| Return on assets (ROA) | -0.1049% | 6,354 |
| Pretax return on assets | -0.0981% | 6,267 |
| Return on Equity (ROE) | -1.1769% | 6,386 |
| Retained earnings to average equity (ytd only) | -5.0363% | 6,522 |
| Net charge-offs to loans | 1.6593% | 672 |
| Credit loss provision to net charge-offs | 134.5178% | 3,958 |
| Earnings coverage of net charge-offs (x) | 1.1796% | 5,535 |
| Efficiency ratio | 53.9395% | 7,273 |
| Assets per employee ($millions) | 10.2124% | 244 |
| Cash dividends to net income (ytd only)* | -327.9221% | 8,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,084 |
| Loan loss allowance to noncurrent loans | 29.6296% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 5.2548% | 639 |
| Noncurrent loans to loans | 4.7955% | 949 |
| Net loans and leases to total assets | 59.3947% | 5,997 |
| Net loans and leases to deposits | 69.8721% | 6,281 |
| Net loans and leases to core deposits | 122.7561% | 2,422 |
| Total domestic deposits to total assets | 85.0050% | 2,843 |
| Equity capital to assets | 8.2574% | 6,471 |
| Core capital (leverage) ratio | 9.2661% | 4,345 |
| Tier 1 risk-based capital ratio | 12.4252% | 4,492 |
| Total risk-based capital ratio | 13.5875% | 4,446 |
| Memoranda: | ||
| Average total assets | $146,858,600 | 3,954 |
| Average earning assets | $138,125,000 | 3,889 |
| Average equity | $13,085,000 | 4,545 |
| Average total loans | $94,979,000 | 4,079 |