Home > Sundown State Bank > Performance and Condition Ratios
Sundown State 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 | 6.5774% | 558 |
| Cost of funding earning assets | 1.9852% | 1,968 |
| Net interest margin | 4.5922% | 547 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.3491% | 2,723 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.8648% | 558 |
| Return on assets (ROA) | 1.8648% | 557 |
| Pretax return on assets | 2.3669% | 390 |
| Return on Equity (ROE) | 17.3000% | 716 |
| Retained earnings to average equity (ytd only) | 17.3026% | 258 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.3466% | 3,931 |
| Assets per employee ($millions) | 7.9942% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 3,815 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 75.2900% | 1,175 |
| Net loans and leases to deposits | 85.0068% | 1,593 |
| Net loans and leases to core deposits | 98.2590% | 1,483 |
| Total domestic deposits to total assets | 88.5700% | 1,352 |
| Equity capital to assets | 10.9399% | 1,696 |
| Core capital (leverage) ratio | 10.9022% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8150% | 1,930 |
| Memoranda: | ||
| Average total assets | $270,061,000 | 2,623 |
| Average earning assets | $253,473,500 | 2,608 |
| Average equity | $29,105,500 | 2,468 |
| Average total loans | $210,452,000 | 2,340 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7297% | 539 |
| Cost of funding earning assets | 2.2980% | 1,538 |
| Net interest margin | 4.4317% | 707 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.4360% | 2,491 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.6966% | 659 |
| Return on assets (ROA) | 1.6966% | 656 |
| Pretax return on assets | 2.1341% | 475 |
| Return on Equity (ROE) | 16.6300% | 711 |
| Retained earnings to average equity (ytd only) | 12.0219% | 293 |
| Net charge-offs to loans | -0.0005% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.9119% | 3,802 |
| Assets per employee ($millions) | 8.6554% | 1,198 |
| Cash dividends to net income (ytd only)* | 27.6892% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 3,883 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.3300% | 741 |
| Net loans and leases to deposits | 89.0251% | 1,294 |
| Net loans and leases to core deposits | 102.4914% | 1,303 |
| Total domestic deposits to total assets | 89.1100% | 1,122 |
| Equity capital to assets | 10.6128% | 1,769 |
| Core capital (leverage) ratio | 10.5542% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6873% | 2,322 |
| Memoranda: | ||
| Average total assets | $266,296,600 | 2,619 |
| Average earning assets | $250,650,000 | 2,589 |
| Average equity | $27,175,400 | 2,508 |
| Average total loans | $210,248,600 | 2,292 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5815% | 576 |
| Cost of funding earning assets | 2.2853% | 1,472 |
| Net interest margin | 4.2962% | 792 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 2.4014% | 2,524 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.6257% | 766 |
| Return on assets (ROA) | 1.6257% | 767 |
| Pretax return on assets | 2.0613% | 588 |
| Return on Equity (ROE) | 16.4800% | 767 |
| Retained earnings to average equity (ytd only) | 16.4752% | 218 |
| Net charge-offs to loans | -0.0010% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 53.5409% | 3,788 |
| Assets per employee ($millions) | 7.9705% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 3,752 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.1800% | 361 |
| Net loans and leases to deposits | 93.5845% | 974 |
| Net loans and leases to core deposits | 110.7297% | 946 |
| Total domestic deposits to total assets | 88.8800% | 1,042 |
| Equity capital to assets | 10.7326% | 1,688 |
| Core capital (leverage) ratio | 10.5682% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3285% | 2,482 |
| Memoranda: | ||
| Average total assets | $266,340,000 | 2,605 |
| Average earning assets | $251,432,667 | 2,585 |
| Average equity | $26,282,000 | 2,532 |
| Average total loans | $207,383,667 | 2,301 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4676% | 598 |
| Cost of funding earning assets | 2.3104% | 1,318 |
| Net interest margin | 4.1572% | 906 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 2.3784% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5479% | 830 |
| Return on assets (ROA) | 1.5479% | 841 |
| Pretax return on assets | 1.9653% | 661 |
| Return on Equity (ROE) | 16.3700% | 792 |
| Retained earnings to average equity (ytd only) | 16.3662% | 340 |
| Net charge-offs to loans | -0.0020% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.7547% | 3,702 |
| Assets per employee ($millions) | 7.8757% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 3,970 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 74.2800% | 1,302 |
| Net loans and leases to deposits | 82.8145% | 1,813 |
| Net loans and leases to core deposits | 97.6663% | 1,542 |
| Total domestic deposits to total assets | 89.7000% | 889 |
| Equity capital to assets | 9.8079% | 2,127 |
| Core capital (leverage) ratio | 9.4900% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3362% | 2,475 |
| Memoranda: | ||
| Average total assets | $272,118,000 | 2,584 |
| Average earning assets | $257,096,500 | 2,563 |
| Average equity | $25,736,000 | 2,567 |
| Average total loans | $204,056,000 | 2,314 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2189% | 479 |
| Cost of funding earning assets | 1.7165% | 1,415 |
| Net interest margin | 4.5024% | 615 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4501% | 2,447 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7085% | 725 |
| Return on assets (ROA) | 1.7085% | 691 |
| Pretax return on assets | 2.1351% | 537 |
| Return on Equity (ROE) | 17.9200% | 827 |
| Retained earnings to average equity (ytd only) | 13.3353% | 467 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.7299% | 3,773 |
| Assets per employee ($millions) | 8.6395% | 1,134 |
| Cash dividends to net income (ytd only)* | 25.5711% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 3,742 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.4300% | 1,300 |
| Net loans and leases to deposits | 82.0862% | 1,941 |
| Net loans and leases to core deposits | 95.8795% | 1,659 |
| Total domestic deposits to total assets | 90.6700% | 586 |
| Equity capital to assets | 9.1184% | 2,595 |
| Core capital (leverage) ratio | 9.1688% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1972% | 2,791 |
| Memoranda: | ||
| Average total assets | $251,091,800 | 2,676 |
| Average earning assets | $234,606,800 | 2,657 |
| Average equity | $23,944,000 | 2,578 |
| Average total loans | $200,748,600 | 2,284 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0381% | 507 |
| Cost of funding earning assets | 1.4521% | 1,731 |
| Net interest margin | 4.5860% | 543 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.4585% | 2,350 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.7106% | 782 |
| Return on assets (ROA) | 1.7106% | 771 |
| Pretax return on assets | 2.1807% | 576 |
| Return on Equity (ROE) | 17.7200% | 981 |
| Retained earnings to average equity (ytd only) | 17.7188% | 353 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.0531% | 3,752 |
| Assets per employee ($millions) | 7.9738% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 3,877 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.8400% | 663 |
| Net loans and leases to deposits | 88.4569% | 1,345 |
| Net loans and leases to core deposits | 114.4096% | 714 |
| Total domestic deposits to total assets | 90.2600% | 873 |
| Equity capital to assets | 9.2793% | 2,236 |
| Core capital (leverage) ratio | 9.5565% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0832% | 2,812 |
| Memoranda: | ||
| Average total assets | $244,749,000 | 2,720 |
| Average earning assets | $228,079,000 | 2,701 |
| Average equity | $23,627,750 | 2,591 |
| Average total loans | $199,031,250 | 2,294 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7184% | 621 |
| Cost of funding earning assets | 1.0084% | 2,577 |
| Net interest margin | 4.7100% | 449 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.5140% | 2,165 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.7164% | 761 |
| Return on assets (ROA) | 1.7164% | 759 |
| Pretax return on assets | 2.1987% | 536 |
| Return on Equity (ROE) | 17.5200% | 1,018 |
| Retained earnings to average equity (ytd only) | 17.5188% | 370 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.9076% | 3,779 |
| Assets per employee ($millions) | 7.8418% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 3,818 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.7400% | 664 |
| Net loans and leases to deposits | 88.2680% | 1,319 |
| Net loans and leases to core deposits | 112.9366% | 715 |
| Total domestic deposits to total assets | 90.3400% | 831 |
| Equity capital to assets | 9.2906% | 2,318 |
| Core capital (leverage) ratio | 9.9672% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8043% | 2,869 |
| Memoranda: | ||
| Average total assets | $235,962,667 | 2,780 |
| Average earning assets | $219,151,000 | 2,765 |
| Average equity | $23,118,000 | 2,619 |
| Average total loans | $192,606,667 | 2,336 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 620 |
| Cost of funding earning assets | 0.4253% | 3,897 |
| Net interest margin | 5.0827% | 264 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.6381% | 1,848 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.8526% | 614 |
| Return on assets (ROA) | 1.8526% | 604 |
| Pretax return on assets | 2.3798% | 425 |
| Return on Equity (ROE) | 18.3600% | 978 |
| Retained earnings to average equity (ytd only) | 18.3616% | 487 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.5116% | 3,892 |
| Assets per employee ($millions) | 6.6901% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 84.6400% | 198 |
| Net loans and leases to deposits | 99.2347% | 477 |
| Net loans and leases to core deposits | 105.8127% | 843 |
| Total domestic deposits to total assets | 85.2900% | 2,782 |
| Equity capital to assets | 10.4429% | 1,594 |
| Core capital (leverage) ratio | 10.2398% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2176% | 2,916 |
| Memoranda: | ||
| Average total assets | $224,555,000 | 2,881 |
| Average earning assets | $209,731,500 | 2,861 |
| Average equity | $22,656,000 | 2,673 |
| Average total loans | $184,804,500 | 2,410 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 1,030 |
| Cost of funding earning assets | 0.1480% | 4,135 |
| Net interest margin | 4.1627% | 589 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3958% | 2,435 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.4267% | 1,058 |
| Return on assets (ROA) | 1.4267% | 1,023 |
| Pretax return on assets | 1.7980% | 739 |
| Return on Equity (ROE) | 15.7600% | 1,094 |
| Retained earnings to average equity (ytd only) | 10.7163% | 955 |
| Net charge-offs to loans | -0.0141% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.3269% | 3,651 |
| Assets per employee ($millions) | 7.3657% | 1,708 |
| Cash dividends to net income (ytd only)* | 32.0084% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 3,972 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.5900% | 743 |
| Net loans and leases to deposits | 87.1796% | 1,235 |
| Net loans and leases to core deposits | 92.0281% | 1,389 |
| Total domestic deposits to total assets | 90.1400% | 1,300 |
| Equity capital to assets | 9.7474% | 1,857 |
| Core capital (leverage) ratio | 9.4435% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4611% | 2,874 |
| Memoranda: | ||
| Average total assets | $234,533,400 | 2,826 |
| Average earning assets | $220,266,800 | 2,800 |
| Average equity | $21,229,400 | 2,840 |
| Average total loans | $163,684,200 | 2,514 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 1,303 |
| Cost of funding earning assets | 0.1389% | 3,950 |
| Net interest margin | 3.8428% | 886 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3342% | 2,527 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2797% | 1,427 |
| Return on assets (ROA) | 1.2797% | 1,392 |
| Pretax return on assets | 1.6259% | 1,056 |
| Return on Equity (ROE) | 14.4100% | 1,320 |
| Retained earnings to average equity (ytd only) | 14.4058% | 417 |
| Net charge-offs to loans | -0.0033% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.9095% | 3,393 |
| Assets per employee ($millions) | 7.2170% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 4,252 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.4800% | 1,058 |
| Net loans and leases to deposits | 82.1895% | 1,432 |
| Net loans and leases to core deposits | 86.8971% | 1,474 |
| Total domestic deposits to total assets | 90.6300% | 1,394 |
| Equity capital to assets | 9.0672% | 2,165 |
| Core capital (leverage) ratio | 9.2766% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5725% | 2,923 |
| Memoranda: | ||
| Average total assets | $236,082,250 | 2,829 |
| Average earning assets | $221,813,000 | 2,814 |
| Average equity | $20,972,500 | 2,903 |
| Average total loans | $159,371,250 | 2,552 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 1,864 |
| Cost of funding earning assets | 0.1408% | 3,700 |
| Net interest margin | 3.4523% | 1,446 |
| Noninterest income to average assets | 0.4232% | 2,609 |
| Noninterest expense to average assets | 2.3083% | 2,525 |
| Loan and lease loss provision to assets | 0.0687% | 1,384 |
| Net operating income to assets | 1.0275% | 2,057 |
| Return on assets (ROA) | 1.0275% | 2,030 |
| Pretax return on assets | 1.2876% | 1,785 |
| Return on Equity (ROE) | 11.6513% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.6513% | 668 |
| Net charge-offs to loans | -0.0053% | 3,362 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9890% | 2,923 |
| Assets per employee ($millions) | 7.1936% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.4711% | 1,256 |
| Net loans and leases to deposits | 77.5733% | 1,569 |
| Net loans and leases to core deposits | 82.1906% | 1,584 |
| Total domestic deposits to total assets | 90.8445% | 1,311 |
| Equity capital to assets | 8.9221% | 2,429 |
| Core capital (leverage) ratio | 8.9505% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1274% | 2,998 |
| Memoranda: | ||
| Average total assets | $232,983,667 | 2,868 |
| Average earning assets | $218,749,667 | 2,859 |
| Average equity | $20,547,000 | 3,012 |
| Average total loans | $151,144,333 | 2,630 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 2,445 |
| Cost of funding earning assets | 0.1418% | 3,601 |
| Net interest margin | 3.1383% | 2,059 |
| Noninterest income to average assets | 0.4316% | 2,489 |
| Noninterest expense to average assets | 2.2879% | 2,545 |
| Loan and lease loss provision to assets | 0.0347% | 1,743 |
| Net operating income to assets | 0.8580% | 2,461 |
| Return on assets (ROA) | 0.8580% | 2,451 |
| Pretax return on assets | 1.0625% | 2,255 |
| Return on Equity (ROE) | 9.7872% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.7872% | 1,074 |
| Net charge-offs to loans | -0.0028% | 3,171 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5883% | 2,555 |
| Assets per employee ($millions) | 7.2057% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.2575% | 2,269 |
| Net loans and leases to deposits | 63.8891% | 2,538 |
| Net loans and leases to core deposits | 67.5384% | 2,491 |
| Total domestic deposits to total assets | 91.1855% | 940 |
| Equity capital to assets | 8.6118% | 3,063 |
| Core capital (leverage) ratio | 8.5777% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9279% | 2,904 |
| Memoranda: | ||
| Average total assets | $230,781,500 | 2,895 |
| Average earning assets | $217,188,000 | 2,882 |
| Average equity | $20,230,500 | 3,128 |
| Average total loans | $142,452,500 | 2,722 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 1,205 |
| Cost of funding earning assets | 0.1752% | 3,710 |
| Net interest margin | 3.8988% | 856 |
| Noninterest income to average assets | 0.4809% | 2,676 |
| Noninterest expense to average assets | 2.5678% | 1,965 |
| Loan and lease loss provision to assets | 0.0428% | 2,196 |
| Net operating income to assets | 1.2165% | 1,869 |
| Return on assets (ROA) | 1.2165% | 1,918 |
| Pretax return on assets | 1.5140% | 1,673 |
| Return on Equity (ROE) | 12.6977% | 1,571 |
| Retained earnings to average equity (ytd only) | 6.9545% | 1,932 |
| Net charge-offs to loans | -0.0029% | 3,435 |
| Credit loss provision to net charge-offs | -2,175.0000% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2556% | 2,833 |
| Assets per employee ($millions) | 6.7810% | 2,085 |
| Cash dividends to net income (ytd only)* | 45.2304% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,276 |
| 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 | 64.3712% | 1,659 |
| Net loans and leases to deposits | 70.7738% | 2,041 |
| Net loans and leases to core deposits | 75.0721% | 1,995 |
| Total domestic deposits to total assets | 90.9534% | 511 |
| Equity capital to assets | 8.9300% | 3,701 |
| Core capital (leverage) ratio | 9.3091% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0925% | 2,868 |
| Memoranda: | ||
| Average total assets | $203,366,200 | 3,041 |
| Average earning assets | $190,059,600 | 3,030 |
| Average equity | $19,483,800 | 3,253 |
| Average total loans | $135,746,200 | 2,774 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 1,543 |
| Cost of funding earning assets | 0.1850% | 3,763 |
| Net interest margin | 3.8099% | 1,095 |
| Noninterest income to average assets | 0.4849% | 2,692 |
| Noninterest expense to average assets | 2.6079% | 1,814 |
| Loan and lease loss provision to assets | 0.0227% | 2,540 |
| Net operating income to assets | 1.1654% | 2,303 |
| Return on assets (ROA) | 1.1654% | 2,363 |
| Pretax return on assets | 1.4129% | 2,283 |
| Return on Equity (ROE) | 11.9356% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.9356% | 848 |
| Net charge-offs to loans | -0.0040% | 3,369 |
| Credit loss provision to net charge-offs | -850.0000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4936% | 2,318 |
| Assets per employee ($millions) | 6.2258% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 4,470 |
| Loan loss allowance to noncurrent loans | 318.2081% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 2,964 |
| Noncurrent loans to loans | 0.2264% | 3,041 |
| Net loans and leases to total assets | 76.1576% | 540 |
| Net loans and leases to deposits | 85.2416% | 871 |
| Net loans and leases to core deposits | 90.6053% | 1,001 |
| Total domestic deposits to total assets | 89.3432% | 1,101 |
| Equity capital to assets | 10.2206% | 2,690 |
| Core capital (leverage) ratio | 10.0891% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6185% | 2,823 |
| Memoranda: | ||
| Average total assets | $198,264,250 | 3,114 |
| Average earning assets | $185,198,000 | 3,099 |
| Average equity | $19,359,000 | 3,305 |
| Average total loans | $133,382,750 | 2,841 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,999 |
| Cost of funding earning assets | 0.1923% | 3,830 |
| Net interest margin | 3.2698% | 2,553 |
| Noninterest income to average assets | 0.4769% | 2,725 |
| Noninterest expense to average assets | 2.5492% | 2,000 |
| Loan and lease loss provision to assets | 0.0192% | 2,572 |
| Net operating income to assets | 0.8093% | 3,479 |
| Return on assets (ROA) | 0.8093% | 3,554 |
| Pretax return on assets | 0.9669% | 3,505 |
| Return on Equity (ROE) | 8.4206% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.4206% | 1,924 |
| Net charge-offs to loans | -0.0047% | 3,418 |
| Credit loss provision to net charge-offs | -633.3333% | 3,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1063% | 1,426 |
| Assets per employee ($millions) | 6.5390% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 4,436 |
| Loan loss allowance to noncurrent loans | 305.6338% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 3,093 |
| Noncurrent loans to loans | 0.2481% | 3,060 |
| Net loans and leases to total assets | 70.0409% | 1,196 |
| Net loans and leases to deposits | 77.9562% | 1,628 |
| Net loans and leases to core deposits | 82.7360% | 1,659 |
| Total domestic deposits to total assets | 89.8466% | 846 |
| Equity capital to assets | 9.5851% | 3,266 |
| Core capital (leverage) ratio | 9.4950% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4429% | 2,561 |
| Memoranda: | ||
| Average total assets | $197,944,000 | 3,117 |
| Average earning assets | $185,148,667 | 3,102 |
| Average equity | $19,024,667 | 3,338 |
| Average total loans | $126,901,667 | 2,935 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 3,376 |
| Cost of funding earning assets | 0.2117% | 3,809 |
| Net interest margin | 3.1225% | 2,919 |
| Noninterest income to average assets | 0.4827% | 2,691 |
| Noninterest expense to average assets | 2.4586% | 2,299 |
| Loan and lease loss provision to assets | 0.0082% | 2,666 |
| Net operating income to assets | 0.7936% | 3,444 |
| Return on assets (ROA) | 0.7936% | 3,512 |
| Pretax return on assets | 0.9429% | 3,511 |
| Return on Equity (ROE) | 8.2457% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.2457% | 2,164 |
| Net charge-offs to loans | -0.0067% | 3,515 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1056% | 1,484 |
| Assets per employee ($millions) | 6.8177% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,194 |
| Loan loss allowance to noncurrent loans | 290.4891% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,269 |
| Noncurrent loans to loans | 0.3050% | 3,003 |
| Net loans and leases to total assets | 58.4765% | 2,747 |
| Net loans and leases to deposits | 64.8165% | 3,046 |
| Net loans and leases to core deposits | 68.4539% | 3,023 |
| Total domestic deposits to total assets | 90.2185% | 713 |
| Equity capital to assets | 9.2974% | 3,391 |
| Core capital (leverage) ratio | 9.6966% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5764% | 2,052 |
| Memoranda: | ||
| Average total assets | $195,561,000 | 3,120 |
| Average earning assets | $183,316,000 | 3,110 |
| Average equity | $18,822,000 | 3,346 |
| Average total loans | $118,820,000 | 3,025 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 2,342 |
| Cost of funding earning assets | 0.3868% | 3,665 |
| Net interest margin | 3.7414% | 1,664 |
| Noninterest income to average assets | 0.6071% | 2,194 |
| Noninterest expense to average assets | 2.6877% | 2,276 |
| Loan and lease loss provision to assets | 0.0084% | 4,252 |
| Net operating income to assets | 1.1158% | 1,858 |
| Return on assets (ROA) | 1.1158% | 1,978 |
| Pretax return on assets | 1.3824% | 1,715 |
| Return on Equity (ROE) | 10.8909% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.3636% | 2,111 |
| Net charge-offs to loans | -0.0223% | 4,458 |
| Credit loss provision to net charge-offs | -57.6923% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8991% | 2,551 |
| Assets per employee ($millions) | 6.2197% | 2,150 |
| Cash dividends to net income (ytd only)* | 50.7515% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,164 |
| Loan loss allowance to noncurrent loans | 281.6976% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 3,280 |
| Noncurrent loans to loans | 0.3223% | 3,052 |
| Net loans and leases to total assets | 62.1179% | 2,591 |
| Net loans and leases to deposits | 69.2201% | 2,961 |
| Net loans and leases to core deposits | 73.4035% | 2,964 |
| Total domestic deposits to total assets | 89.7396% | 661 |
| Equity capital to assets | 9.9833% | 3,145 |
| Core capital (leverage) ratio | 9.9825% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1466% | 1,806 |
| Memoranda: | ||
| Average total assets | $178,887,400 | 3,113 |
| Average earning assets | $165,981,000 | 3,111 |
| Average equity | $18,327,200 | 3,341 |
| Average total loans | $116,580,400 | 3,019 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 2,848 |
| Cost of funding earning assets | 0.4252% | 3,669 |
| Net interest margin | 3.6179% | 2,212 |
| Noninterest income to average assets | 0.5221% | 2,514 |
| Noninterest expense to average assets | 2.7222% | 2,193 |
| Loan and lease loss provision to assets | 0.0085% | 4,188 |
| Net operating income to assets | 0.9471% | 2,530 |
| Return on assets (ROA) | 0.9471% | 2,665 |
| Pretax return on assets | 1.1385% | 2,609 |
| Return on Equity (ROE) | 9.1823% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.1823% | 939 |
| Net charge-offs to loans | -0.0263% | 4,490 |
| Credit loss provision to net charge-offs | -47.8261% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3603% | 1,835 |
| Assets per employee ($millions) | 6.1776% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,353 |
| Loan loss allowance to noncurrent loans | 277.8947% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 3,382 |
| Noncurrent loans to loans | 0.2899% | 3,236 |
| Net loans and leases to total assets | 72.5851% | 1,575 |
| Net loans and leases to deposits | 81.6318% | 2,137 |
| Net loans and leases to core deposits | 86.3890% | 2,282 |
| Total domestic deposits to total assets | 88.9177% | 804 |
| Equity capital to assets | 10.5514% | 2,750 |
| Core capital (leverage) ratio | 10.4543% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7336% | 1,918 |
| Memoranda: | ||
| Average total assets | $176,961,250 | 3,118 |
| Average earning assets | $163,701,250 | 3,115 |
| Average equity | $18,252,000 | 3,345 |
| Average total loans | $116,483,250 | 3,024 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,223 |
| Cost of funding earning assets | 0.4698% | 3,704 |
| Net interest margin | 3.5708% | 2,575 |
| Noninterest income to average assets | 0.5311% | 2,433 |
| Noninterest expense to average assets | 2.7725% | 2,155 |
| Loan and lease loss provision to assets | 0.0068% | 4,100 |
| Net operating income to assets | 0.8693% | 2,809 |
| Return on assets (ROA) | 0.8693% | 2,929 |
| Pretax return on assets | 1.0554% | 2,856 |
| Return on Equity (ROE) | 8.4946% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.4946% | 1,160 |
| Net charge-offs to loans | -0.0376% | 4,605 |
| Credit loss provision to net charge-offs | -28.5714% | 3,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2995% | 1,640 |
| Assets per employee ($millions) | 5.9344% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 4,252 |
| Loan loss allowance to noncurrent loans | 273.8903% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 3,497 |
| Noncurrent loans to loans | 0.3037% | 3,299 |
| Net loans and leases to total assets | 67.9765% | 2,358 |
| Net loans and leases to deposits | 76.0358% | 2,861 |
| Net loans and leases to core deposits | 80.3120% | 2,921 |
| Total domestic deposits to total assets | 89.4007% | 611 |
| Equity capital to assets | 10.0084% | 3,197 |
| Core capital (leverage) ratio | 9.6131% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4477% | 2,019 |
| Memoranda: | ||
| Average total assets | $176,231,333 | 3,108 |
| Average earning assets | $163,045,333 | 3,109 |
| Average equity | $18,035,000 | 3,356 |
| Average total loans | $111,613,333 | 3,078 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 3,251 |
| Cost of funding earning assets | 0.5679% | 3,601 |
| Net interest margin | 3.6211% | 2,600 |
| Noninterest income to average assets | 0.6011% | 2,040 |
| Noninterest expense to average assets | 2.7894% | 2,459 |
| Loan and lease loss provision to assets | 0.0023% | 3,703 |
| Net operating income to assets | 0.9352% | 2,398 |
| Return on assets (ROA) | 0.9352% | 2,509 |
| Pretax return on assets | 1.1534% | 2,356 |
| Return on Equity (ROE) | 9.0326% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.0326% | 968 |
| Net charge-offs to loans | -0.0690% | 4,726 |
| Credit loss provision to net charge-offs | -5.5556% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7059% | 2,258 |
| Assets per employee ($millions) | 5.3458% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.9590% | 3,674 |
| Net loans and leases to deposits | 64.9442% | 3,926 |
| Net loans and leases to core deposits | 68.7633% | 3,949 |
| Total domestic deposits to total assets | 89.2444% | 569 |
| Equity capital to assets | 10.5504% | 3,275 |
| Core capital (leverage) ratio | 10.5515% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7166% | 1,999 |
| Memoranda: | ||
| Average total assets | $172,364,500 | 3,112 |
| Average earning assets | $159,180,000 | 3,118 |
| Average equity | $17,846,500 | 3,386 |
| Average total loans | $104,369,000 | 3,166 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 843 |
| Cost of funding earning assets | 0.6600% | 3,361 |
| Net interest margin | 4.6261% | 541 |
| Noninterest income to average assets | 0.6403% | 2,043 |
| Noninterest expense to average assets | 3.0309% | 1,935 |
| Loan and lease loss provision to assets | 0.1558% | 1,355 |
| Net operating income to assets | 1.4092% | 1,316 |
| Return on assets (ROA) | 1.4092% | 1,393 |
| Pretax return on assets | 1.7171% | 1,146 |
| Return on Equity (ROE) | 13.2262% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.0262% | 1,377 |
| Net charge-offs to loans | -0.0080% | 4,413 |
| Credit loss provision to net charge-offs | -2,811.1111% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8079% | 3,414 |
| Assets per employee ($millions) | 5.4270% | 2,132 |
| Cash dividends to net income (ytd only)* | 46.8764% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.9169% | 3,407 |
| Net loans and leases to deposits | 69.1209% | 3,733 |
| Net loans and leases to core deposits | 73.6170% | 3,749 |
| Total domestic deposits to total assets | 89.5776% | 464 |
| Equity capital to assets | 10.1604% | 3,775 |
| Core capital (leverage) ratio | 10.5437% | 2,907 |
| Tier 1 risk-based capital ratio | 13.5627% | 3,480 |
| Total risk-based capital ratio | 14.3483% | 3,629 |
| Memoranda: | ||
| Average total assets | $162,429,400 | 3,181 |
| Average earning assets | $149,692,600 | 3,177 |
| Average equity | $17,306,600 | 3,403 |
| Average total loans | $113,066,600 | 3,037 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 692 |
| Cost of funding earning assets | 0.6646% | 3,375 |
| Net interest margin | 4.7368% | 465 |
| Noninterest income to average assets | 0.6616% | 1,942 |
| Noninterest expense to average assets | 3.1106% | 1,692 |
| Loan and lease loss provision to assets | 0.2080% | 847 |
| Net operating income to assets | 1.4409% | 1,351 |
| Return on assets (ROA) | 1.4409% | 1,409 |
| Pretax return on assets | 1.7065% | 1,322 |
| Return on Equity (ROE) | 13.3547% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.3547% | 245 |
| Net charge-offs to loans | -0.0093% | 4,355 |
| Credit loss provision to net charge-offs | -3,112.5000% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9016% | 3,342 |
| Assets per employee ($millions) | 4.9789% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 78.4743% | 1,060 |
| Net loans and leases to deposits | 89.0033% | 1,813 |
| Net loans and leases to core deposits | 95.9879% | 1,994 |
| Total domestic deposits to total assets | 88.1702% | 963 |
| Equity capital to assets | 11.3942% | 2,743 |
| Core capital (leverage) ratio | 11.3664% | 2,329 |
| Tier 1 risk-based capital ratio | 12.8728% | 3,920 |
| Total risk-based capital ratio | 13.5939% | 4,112 |
| Memoranda: | ||
| Average total assets | $159,620,500 | 3,236 |
| Average earning assets | $147,044,500 | 3,236 |
| Average equity | $17,222,000 | 3,441 |
| Average total loans | $114,195,750 | 3,057 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 939 |
| Cost of funding earning assets | 0.6425% | 3,450 |
| Net interest margin | 4.5790% | 646 |
| Noninterest income to average assets | 0.6274% | 2,031 |
| Noninterest expense to average assets | 3.0879% | 1,766 |
| Loan and lease loss provision to assets | 0.2529% | 603 |
| Net operating income to assets | 1.2447% | 1,983 |
| Return on assets (ROA) | 1.2447% | 2,036 |
| Pretax return on assets | 1.5164% | 1,809 |
| Return on Equity (ROE) | 11.7554% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.7554% | 438 |
| Net charge-offs to loans | -0.0109% | 4,350 |
| Credit loss provision to net charge-offs | -3,366.6667% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5731% | 3,202 |
| Assets per employee ($millions) | 4.5503% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.9985% | 1,891 |
| Net loans and leases to deposits | 83.3840% | 2,562 |
| Net loans and leases to core deposits | 89.3859% | 2,648 |
| Total domestic deposits to total assets | 88.7442% | 766 |
| Equity capital to assets | 10.9400% | 3,137 |
| Core capital (leverage) ratio | 10.7999% | 2,790 |
| Tier 1 risk-based capital ratio | 12.7112% | 4,005 |
| Total risk-based capital ratio | 13.4174% | 4,208 |
| Memoranda: | ||
| Average total assets | $159,718,670 | 3,256 |
| Average earning assets | $147,544,330 | 3,247 |
| Average equity | $16,911,330 | 3,471 |
| Average total loans | $110,245,330 | 3,133 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 1,145 |
| Cost of funding earning assets | 0.6219% | 3,451 |
| Net interest margin | 4.4566% | 806 |
| Noninterest income to average assets | 0.6527% | 1,815 |
| Noninterest expense to average assets | 3.0785% | 1,781 |
| Loan and lease loss provision to assets | 0.2751% | 493 |
| Net operating income to assets | 1.1329% | 2,338 |
| Return on assets (ROA) | 1.1329% | 2,388 |
| Pretax return on assets | 1.4030% | 2,072 |
| Return on Equity (ROE) | 10.8793% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.8793% | 827 |
| Net charge-offs to loans | -0.0113% | 4,271 |
| Credit loss provision to net charge-offs | -3,666.6667% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7213% | 3,129 |
| Assets per employee ($millions) | 5.1214% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,627 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 60.1699% | 3,691 |
| Net loans and leases to deposits | 67.2413% | 3,965 |
| Net loans and leases to core deposits | 70.7653% | 4,029 |
| Total domestic deposits to total assets | 89.4835% | 650 |
| Equity capital to assets | 10.3011% | 3,521 |
| Core capital (leverage) ratio | 10.7880% | 2,775 |
| Tier 1 risk-based capital ratio | 13.2293% | 3,753 |
| Total risk-based capital ratio | 13.9134% | 3,949 |
| Memoranda: | ||
| Average total assets | $159,948,000 | 3,300 |
| Average earning assets | $147,286,000 | 3,294 |
| Average equity | $16,655,500 | 3,512 |
| Average total loans | $105,959,000 | 3,227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 1,148 |
| Cost of funding earning assets | 0.5972% | 2,743 |
| Net interest margin | 4.3573% | 1,020 |
| Noninterest income to average assets | 0.6250% | 2,167 |
| Noninterest expense to average assets | 3.1099% | 1,778 |
| Loan and lease loss provision to assets | 0.3720% | 394 |
| Net operating income to assets | 1.0762% | 2,692 |
| Return on assets (ROA) | 1.0828% | 2,666 |
| Pretax return on assets | 1.1739% | 2,994 |
| Return on Equity (ROE) | 10.2071% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.6476% | 3,574 |
| Net charge-offs to loans | 0.5227% | 340 |
| Credit loss provision to net charge-offs | 110.2119% | 2,334 |
| Earnings coverage of net charge-offs (x) | 4.5588% | 3,283 |
| Efficiency ratio | 66.8998% | 2,729 |
| Assets per employee ($millions) | 4.8753% | 2,647 |
| Cash dividends to net income (ytd only)* | 64.2643% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.5819% | 2,331 |
| Net loans and leases to deposits | 80.0911% | 2,947 |
| Net loans and leases to core deposits | 84.8311% | 3,013 |
| Total domestic deposits to total assets | 89.3757% | 707 |
| Equity capital to assets | 10.5307% | 3,149 |
| Core capital (leverage) ratio | 10.4959% | 3,030 |
| Tier 1 risk-based capital ratio | 12.7444% | 3,994 |
| Total risk-based capital ratio | 13.3339% | 4,261 |
| Memoranda: | ||
| Average total assets | $153,766,000 | 3,348 |
| Average earning assets | $141,992,000 | 3,339 |
| Average equity | $16,312,200 | 3,487 |
| Average total loans | $99,294,000 | 3,305 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,582 |
| Cost of funding earning assets | 0.5736% | 2,673 |
| Net interest margin | 4.1625% | 1,459 |
| Noninterest income to average assets | 0.6266% | 2,182 |
| Noninterest expense to average assets | 3.0181% | 1,964 |
| Loan and lease loss provision to assets | 0.4917% | 232 |
| Net operating income to assets | 0.8937% | 3,564 |
| Return on assets (ROA) | 0.9025% | 3,520 |
| Pretax return on assets | 0.9791% | 3,781 |
| Return on Equity (ROE) | 8.4912% | 3,333 |
| Retained earnings to average equity (ytd only) | 8.4912% | 1,424 |
| Net charge-offs to loans | 0.7152% | 200 |
| Credit loss provision to net charge-offs | 109.7087% | 2,114 |
| Earnings coverage of net charge-offs (x) | 3.2602% | 3,178 |
| Efficiency ratio | 67.3791% | 2,647 |
| Assets per employee ($millions) | 4.6503% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 4,972 |
| Loan loss allowance to noncurrent loans | 688.1818% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,616 |
| Noncurrent loans to loans | 0.0944% | 4,466 |
| Net loans and leases to total assets | 75.4203% | 1,747 |
| Net loans and leases to deposits | 87.8595% | 2,173 |
| Net loans and leases to core deposits | 93.1757% | 2,377 |
| Total domestic deposits to total assets | 85.8419% | 2,262 |
| Equity capital to assets | 10.9937% | 2,673 |
| Core capital (leverage) ratio | 11.1100% | 2,482 |
| Tier 1 risk-based capital ratio | 12.8356% | 3,996 |
| Total risk-based capital ratio | 13.4115% | 4,301 |
| Memoranda: | ||
| Average total assets | $153,205,000 | 3,378 |
| Average earning assets | $141,802,500 | 3,371 |
| Average equity | $16,283,000 | 3,510 |
| Average total loans | $96,008,750 | 3,407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,319 |
| Cost of funding earning assets | 0.5600% | 2,517 |
| Net interest margin | 3.8706% | 2,310 |
| Noninterest income to average assets | 0.6257% | 2,199 |
| Noninterest expense to average assets | 2.9937% | 2,052 |
| Loan and lease loss provision to assets | 0.6204% | 161 |
| Net operating income to assets | 0.5760% | 4,579 |
| Return on assets (ROA) | 0.5760% | 4,572 |
| Pretax return on assets | 0.6048% | 4,730 |
| Return on Equity (ROE) | 5.4827% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.4827% | 2,834 |
| Net charge-offs to loans | 0.9531% | 142 |
| Credit loss provision to net charge-offs | 111.7647% | 1,872 |
| Earnings coverage of net charge-offs (x) | 2.2071% | 2,994 |
| Efficiency ratio | 70.9598% | 2,170 |
| Assets per employee ($millions) | 4.5738% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,855 |
| Loan loss allowance to noncurrent loans | 388.2051% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,354 |
| Noncurrent loans to loans | 0.1894% | 4,055 |
| Net loans and leases to total assets | 67.7011% | 2,915 |
| Net loans and leases to deposits | 76.0148% | 3,329 |
| Net loans and leases to core deposits | 81.1483% | 3,308 |
| Total domestic deposits to total assets | 89.0630% | 908 |
| Equity capital to assets | 10.7826% | 2,851 |
| Core capital (leverage) ratio | 10.7959% | 2,707 |
| Tier 1 risk-based capital ratio | 13.2773% | 3,744 |
| Total risk-based capital ratio | 13.8948% | 3,997 |
| Memoranda: | ||
| Average total assets | $153,120,000 | 3,397 |
| Average earning assets | $142,148,000 | 3,389 |
| Average equity | $16,087,000 | 3,554 |
| Average total loans | $89,179,330 | 3,539 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,125 |
| Cost of funding earning assets | 0.5449% | 2,444 |
| Net interest margin | 3.5862% | 3,236 |
| Noninterest income to average assets | 0.6407% | 2,071 |
| Noninterest expense to average assets | 2.9181% | 2,295 |
| Loan and lease loss provision to assets | 0.2257% | 699 |
| Net operating income to assets | 0.8248% | 3,612 |
| Return on assets (ROA) | 0.8248% | 3,623 |
| Pretax return on assets | 0.8430% | 4,044 |
| Return on Equity (ROE) | 7.9535% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.9535% | 1,856 |
| Net charge-offs to loans | 2.0705% | 58 |
| Credit loss provision to net charge-offs | 20.4225% | 2,124 |
| Earnings coverage of net charge-offs (x) | 0.9671% | 2,603 |
| Efficiency ratio | 73.1945% | 2,014 |
| Assets per employee ($millions) | 4.6320% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4280% | 5,406 |
| Loan loss allowance to noncurrent loans | 184.0000% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,438 |
| Noncurrent loans to loans | 0.2326% | 3,938 |
| Net loans and leases to total assets | 56.0128% | 4,122 |
| Net loans and leases to deposits | 62.7406% | 4,288 |
| Net loans and leases to core deposits | 66.7059% | 4,270 |
| Total domestic deposits to total assets | 89.2768% | 973 |
| Equity capital to assets | 10.5668% | 3,006 |
| Core capital (leverage) ratio | 10.4796% | 2,968 |
| Tier 1 risk-based capital ratio | 14.3292% | 3,211 |
| Total risk-based capital ratio | 14.6557% | 3,631 |
| Memoranda: | ||
| Average total assets | $154,211,500 | 3,423 |
| Average earning assets | $143,885,500 | 3,409 |
| Average equity | $15,993,000 | 3,594 |
| Average total loans | $82,297,500 | 3,706 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,344 |
| Cost of funding earning assets | 0.4884% | 2,435 |
| Net interest margin | 3.8077% | 2,398 |
| Noninterest income to average assets | 0.6806% | 2,049 |
| Noninterest expense to average assets | 2.9883% | 2,192 |
| Loan and lease loss provision to assets | 0.0254% | 3,790 |
| Net operating income to assets | 1.1444% | 1,698 |
| Return on assets (ROA) | 1.1490% | 1,715 |
| Pretax return on assets | 1.1950% | 2,792 |
| Return on Equity (ROE) | 10.5862% | 1,642 |
| Retained earnings to average equity (ytd only) | 3.9421% | 2,835 |
| Net charge-offs to loans | 0.1318% | 1,734 |
| Credit loss provision to net charge-offs | 34.2593% | 3,500 |
| Earnings coverage of net charge-offs (x) | 16.3889% | 2,182 |
| Efficiency ratio | 71.0832% | 2,383 |
| Assets per employee ($millions) | 4.8615% | 2,656 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,474 |
| Loan loss allowance to noncurrent loans | 96.8493% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,992 |
| Noncurrent loans to loans | 0.9287% | 1,924 |
| Net loans and leases to total assets | 50.0755% | 4,642 |
| Net loans and leases to deposits | 55.8226% | 4,812 |
| Net loans and leases to core deposits | 59.4578% | 4,780 |
| Total domestic deposits to total assets | 89.7048% | 678 |
| Equity capital to assets | 10.1783% | 3,515 |
| Core capital (leverage) ratio | 11.0091% | 2,326 |
| Tier 1 risk-based capital ratio | 15.7477% | 2,536 |
| Total risk-based capital ratio | 16.4508% | 2,678 |
| Memoranda: | ||
| Average total assets | $145,601,000 | 3,530 |
| Average earning assets | $134,725,800 | 3,533 |
| Average equity | $15,803,600 | 3,626 |
| Average total loans | $81,924,400 | 3,707 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,238 |
| Cost of funding earning assets | 0.4671% | 2,548 |
| Net interest margin | 3.8425% | 2,245 |
| Noninterest income to average assets | 0.6736% | 2,112 |
| Noninterest expense to average assets | 2.9543% | 2,236 |
| Loan and lease loss provision to assets | 0.0065% | 3,998 |
| Net operating income to assets | 1.1271% | 1,965 |
| Return on assets (ROA) | 1.1329% | 2,004 |
| Pretax return on assets | 1.2680% | 2,632 |
| Return on Equity (ROE) | 10.2639% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.2639% | 533 |
| Net charge-offs to loans | 0.1096% | 1,693 |
| Credit loss provision to net charge-offs | 10.2941% | 3,222 |
| Earnings coverage of net charge-offs (x) | 20.0157% | 1,975 |
| Efficiency ratio | 69.9691% | 2,542 |
| Assets per employee ($millions) | 4.1959% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,880 |
| Loan loss allowance to noncurrent loans | 92.7555% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,898 |
| Noncurrent loans to loans | 0.8685% | 2,202 |
| Net loans and leases to total assets | 61.8828% | 3,666 |
| Net loans and leases to deposits | 70.2491% | 3,940 |
| Net loans and leases to core deposits | 75.4006% | 3,854 |
| Total domestic deposits to total assets | 88.0906% | 1,318 |
| Equity capital to assets | 11.5148% | 2,353 |
| Core capital (leverage) ratio | 11.6137% | 1,941 |
| Tier 1 risk-based capital ratio | 15.4211% | 2,736 |
| Total risk-based capital ratio | 16.0942% | 2,918 |
| Memoranda: | ||
| Average total assets | $143,109,500 | 3,600 |
| Average earning assets | $132,168,500 | 3,598 |
| Average equity | $15,796,000 | 3,658 |
| Average total loans | $82,753,500 | 3,706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 2,725 |
| Cost of funding earning assets | 0.4184% | 2,905 |
| Net interest margin | 3.7142% | 2,602 |
| Noninterest income to average assets | 0.6855% | 2,057 |
| Noninterest expense to average assets | 2.9806% | 2,171 |
| Loan and lease loss provision to assets | -0.0042% | 5,524 |
| Net operating income to assets | 1.0548% | 2,186 |
| Return on assets (ROA) | 1.0638% | 2,191 |
| Pretax return on assets | 1.1518% | 2,969 |
| Return on Equity (ROE) | 9.7782% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.7782% | 627 |
| Net charge-offs to loans | -0.0074% | 4,441 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3729% | 2,280 |
| Assets per employee ($millions) | 4.1834% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,619 |
| Loan loss allowance to noncurrent loans | 95.6950% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 2,911 |
| Noncurrent loans to loans | 0.9462% | 2,069 |
| Net loans and leases to total assets | 58.1541% | 4,012 |
| Net loans and leases to deposits | 65.5166% | 4,259 |
| Net loans and leases to core deposits | 68.9999% | 4,297 |
| Total domestic deposits to total assets | 88.7623% | 1,074 |
| Equity capital to assets | 10.9092% | 2,916 |
| Core capital (leverage) ratio | 11.1656% | 2,264 |
| Tier 1 risk-based capital ratio | 14.9723% | 2,938 |
| Total risk-based capital ratio | 15.7015% | 3,116 |
| Memoranda: | ||
| Average total assets | $143,259,330 | 3,612 |
| Average earning assets | $132,410,670 | 3,615 |
| Average equity | $15,585,670 | 3,692 |
| Average total loans | $80,671,670 | 3,779 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 2,875 |
| Cost of funding earning assets | 0.3714% | 3,296 |
| Net interest margin | 3.6740% | 2,581 |
| Noninterest income to average assets | 0.6719% | 2,084 |
| Noninterest expense to average assets | 3.0181% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9966% | 2,321 |
| Return on assets (ROA) | 0.9966% | 2,373 |
| Pretax return on assets | 1.0333% | 3,224 |
| Return on Equity (ROE) | 9.1736% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.1736% | 1,025 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4948% | 2,149 |
| Assets per employee ($millions) | 4.1411% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 4,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.3800% | 4,385 |
| Net loans and leases to deposits | 60.2276% | 4,549 |
| Net loans and leases to core deposits | 63.5553% | 4,563 |
| Total domestic deposits to total assets | 88.6305% | 1,357 |
| Equity capital to assets | 11.0563% | 2,578 |
| Core capital (leverage) ratio | 11.1876% | 2,198 |
| Tier 1 risk-based capital ratio | 15.7351% | 2,649 |
| Total risk-based capital ratio | 16.5214% | 2,780 |
| Memoranda: | ||
| Average total assets | $141,680,000 | 3,669 |
| Average earning assets | $130,321,000 | 3,675 |
| Average equity | $15,392,000 | 3,737 |
| Average total loans | $78,044,500 | 3,862 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,332 |
| Cost of funding earning assets | 0.3062% | 4,001 |
| Net interest margin | 3.9386% | 1,823 |
| Noninterest income to average assets | 0.7570% | 1,930 |
| Noninterest expense to average assets | 3.1545% | 1,884 |
| Loan and lease loss provision to assets | 0.0499% | 3,399 |
| Net operating income to assets | 1.0375% | 2,201 |
| Return on assets (ROA) | 1.0375% | 2,296 |
| Pretax return on assets | 1.2047% | 2,650 |
| Return on Equity (ROE) | 9.6188% | 2,139 |
| Retained earnings to average equity (ytd only) | 2.8413% | 3,872 |
| Net charge-offs to loans | 0.2246% | 1,237 |
| Credit loss provision to net charge-offs | 38.1720% | 3,511 |
| Earnings coverage of net charge-offs (x) | 9.5968% | 2,738 |
| Efficiency ratio | 71.5447% | 2,659 |
| Assets per employee ($millions) | 4.1930% | 3,630 |
| Cash dividends to net income (ytd only)* | 70.4607% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.6775% | 4,297 |
| Net loans and leases to deposits | 62.5123% | 4,508 |
| Net loans and leases to core deposits | 65.5829% | 4,549 |
| Total domestic deposits to total assets | 89.0665% | 1,084 |
| Equity capital to assets | 10.6740% | 2,954 |
| Core capital (leverage) ratio | 10.9950% | 2,341 |
| Tier 1 risk-based capital ratio | 15.4846% | 2,754 |
| Total risk-based capital ratio | 16.2763% | 2,889 |
| Memoranda: | ||
| Average total assets | $142,271,600 | 3,636 |
| Average earning assets | $131,925,600 | 3,619 |
| Average equity | $15,345,000 | 3,770 |
| Average total loans | $82,810,400 | 3,746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,431 |
| Cost of funding earning assets | 0.3072% | 4,020 |
| Net interest margin | 3.9195% | 1,908 |
| Noninterest income to average assets | 0.7707% | 1,878 |
| Noninterest expense to average assets | 3.0548% | 2,143 |
| Loan and lease loss provision to assets | 0.0666% | 2,894 |
| Net operating income to assets | 1.1495% | 1,808 |
| Return on assets (ROA) | 1.1495% | 1,910 |
| Pretax return on assets | 1.2864% | 2,483 |
| Return on Equity (ROE) | 10.6304% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.6304% | 469 |
| Net charge-offs to loans | 0.3370% | 683 |
| Credit loss provision to net charge-offs | 33.6493% | 3,196 |
| Earnings coverage of net charge-offs (x) | 6.8388% | 2,953 |
| Efficiency ratio | 69.3044% | 3,001 |
| Assets per employee ($millions) | 3.9825% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.9998% | 3,271 |
| Net loans and leases to deposits | 74.0476% | 3,595 |
| Net loans and leases to core deposits | 77.6314% | 3,696 |
| Total domestic deposits to total assets | 87.7811% | 1,512 |
| Equity capital to assets | 11.8260% | 2,236 |
| Core capital (leverage) ratio | 11.4526% | 2,073 |
| Tier 1 risk-based capital ratio | 15.7266% | 2,738 |
| Total risk-based capital ratio | 16.4662% | 2,885 |
| Memoranda: | ||
| Average total assets | $142,199,000 | 3,649 |
| Average earning assets | $131,953,250 | 3,638 |
| Average equity | $15,377,000 | 3,798 |
| Average total loans | $83,474,750 | 3,744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 3,016 |
| Cost of funding earning assets | 0.3021% | 4,102 |
| Net interest margin | 3.7606% | 2,473 |
| Noninterest income to average assets | 0.6978% | 2,152 |
| Noninterest expense to average assets | 3.0374% | 2,233 |
| Loan and lease loss provision to assets | -0.0055% | 5,756 |
| Net operating income to assets | 1.0715% | 2,081 |
| Return on assets (ROA) | 1.0715% | 2,201 |
| Pretax return on assets | 1.1643% | 2,928 |
| Return on Equity (ROE) | 10.2077% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.2077% | 560 |
| Net charge-offs to loans | 0.1420% | 1,474 |
| Credit loss provision to net charge-offs | -6.8966% | 4,451 |
| Earnings coverage of net charge-offs (x) | 14.4310% | 2,058 |
| Efficiency ratio | 72.3854% | 2,596 |
| Assets per employee ($millions) | 3.8257% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,509 |
| Loan loss allowance to noncurrent loans | 68.3388% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 2,237 |
| Noncurrent loans to loans | 1.4656% | 1,501 |
| Net loans and leases to total assets | 61.3433% | 3,702 |
| Net loans and leases to deposits | 69.6522% | 4,014 |
| Net loans and leases to core deposits | 72.6769% | 4,116 |
| Total domestic deposits to total assets | 88.0709% | 1,395 |
| Equity capital to assets | 11.6177% | 2,426 |
| Core capital (leverage) ratio | 10.9832% | 2,445 |
| Tier 1 risk-based capital ratio | 16.0595% | 2,615 |
| Total risk-based capital ratio | 16.9174% | 2,728 |
| Memoranda: | ||
| Average total assets | $144,463,670 | 3,637 |
| Average earning assets | $134,393,670 | 3,620 |
| Average equity | $15,165,000 | 3,839 |
| Average total loans | $81,711,000 | 3,804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,702 |
| Cost of funding earning assets | 0.2980% | 4,182 |
| Net interest margin | 3.5703% | 3,204 |
| Noninterest income to average assets | 0.7346% | 1,883 |
| Noninterest expense to average assets | 2.9116% | 2,668 |
| Loan and lease loss provision to assets | -0.0107% | 5,889 |
| Net operating income to assets | 1.0151% | 2,211 |
| Return on assets (ROA) | 1.0151% | 2,328 |
| Pretax return on assets | 1.1940% | 2,729 |
| Return on Equity (ROE) | 10.1540% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.1540% | 818 |
| Net charge-offs to loans | -0.0197% | 4,844 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1024% | 2,936 |
| Assets per employee ($millions) | 4.2208% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,653 |
| Loan loss allowance to noncurrent loans | 378.3898% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,914 |
| Noncurrent loans to loans | 0.3096% | 4,320 |
| Net loans and leases to total assets | 52.4901% | 4,579 |
| Net loans and leases to deposits | 58.8819% | 4,791 |
| Net loans and leases to core deposits | 61.0969% | 4,867 |
| Total domestic deposits to total assets | 89.1448% | 1,021 |
| Equity capital to assets | 10.5646% | 3,412 |
| Core capital (leverage) ratio | 9.8866% | 3,678 |
| Tier 1 risk-based capital ratio | 16.8484% | 2,347 |
| Total risk-based capital ratio | 17.8408% | 2,390 |
| Memoranda: | ||
| Average total assets | $149,746,000 | 3,587 |
| Average earning assets | $140,939,000 | 3,541 |
| Average equity | $14,969,500 | 3,872 |
| Average total loans | $81,082,000 | 3,830 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,707 |
| Cost of funding earning assets | 0.2024% | 5,268 |
| Net interest margin | 3.3844% | 3,968 |
| Noninterest income to average assets | 0.6497% | 2,460 |
| Noninterest expense to average assets | 2.6088% | 3,890 |
| Loan and lease loss provision to assets | 0.0761% | 2,751 |
| Net operating income to assets | 1.0401% | 2,174 |
| Return on assets (ROA) | 1.0608% | 2,162 |
| Pretax return on assets | 1.1926% | 2,686 |
| Return on Equity (ROE) | 12.6729% | 1,134 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,144 |
| Net charge-offs to loans | 0.1032% | 2,380 |
| Credit loss provision to net charge-offs | 145.5556% | 1,821 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,706 |
| Efficiency ratio | 67.6861% | 3,626 |
| Assets per employee ($millions) | 4.4567% | 3,109 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,387 |
| Loan loss allowance to noncurrent loans | 1,240.2778% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 5,492 |
| Noncurrent loans to loans | 0.0838% | 5,165 |
| Net loans and leases to total assets | 54.5251% | 4,448 |
| Net loans and leases to deposits | 60.3815% | 4,744 |
| Net loans and leases to core deposits | 62.3198% | 4,857 |
| Total domestic deposits to total assets | 90.3010% | 501 |
| Equity capital to assets | 9.4740% | 4,582 |
| Core capital (leverage) ratio | 9.1809% | 4,643 |
| Tier 1 risk-based capital ratio | 14.7896% | 3,280 |
| Total risk-based capital ratio | 15.6835% | 3,386 |
| Memoranda: | ||
| Average total assets | $172,226,600 | 3,270 |
| Average earning assets | $163,073,400 | 3,212 |
| Average equity | $14,416,600 | 3,920 |
| Average total loans | $87,239,000 | 3,648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,106 |
| Cost of funding earning assets | 0.1902% | 5,460 |
| Net interest margin | 3.2560% | 4,500 |
| Noninterest income to average assets | 0.6035% | 2,721 |
| Noninterest expense to average assets | 2.4248% | 4,440 |
| Loan and lease loss provision to assets | 0.0484% | 3,239 |
| Net operating income to assets | 1.0598% | 2,170 |
| Return on assets (ROA) | 1.0861% | 2,154 |
| Pretax return on assets | 1.2426% | 2,637 |
| Return on Equity (ROE) | 13.3644% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.3644% | 254 |
| Net charge-offs to loans | 0.0365% | 3,171 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 69.4566% | 820 |
| Efficiency ratio | 65.7911% | 3,930 |
| Assets per employee ($millions) | 4.6762% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,078 |
| Loan loss allowance to noncurrent loans | 12,742.8571% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,801 |
| Noncurrent loans to loans | 0.0073% | 5,621 |
| Net loans and leases to total assets | 59.8480% | 3,901 |
| Net loans and leases to deposits | 66.5461% | 4,331 |
| Net loans and leases to core deposits | 68.8059% | 4,472 |
| Total domestic deposits to total assets | 89.9347% | 597 |
| Equity capital to assets | 9.7100% | 4,506 |
| Core capital (leverage) ratio | 9.3646% | 4,492 |
| Tier 1 risk-based capital ratio | 14.3133% | 3,670 |
| Total risk-based capital ratio | 15.1405% | 3,852 |
| Memoranda: | ||
| Average total assets | $176,287,000 | 3,246 |
| Average earning assets | $166,868,250 | 3,190 |
| Average equity | $14,326,250 | 3,974 |
| Average total loans | $87,562,750 | 3,681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 5,578 |
| Cost of funding earning assets | 0.1694% | 5,698 |
| Net interest margin | 3.0563% | 5,075 |
| Noninterest income to average assets | 0.5910% | 2,788 |
| Noninterest expense to average assets | 2.3026% | 4,840 |
| Loan and lease loss provision to assets | 0.0439% | 3,231 |
| Net operating income to assets | 1.0074% | 2,351 |
| Return on assets (ROA) | 1.0074% | 2,459 |
| Pretax return on assets | 1.1381% | 3,014 |
| Return on Equity (ROE) | 13.1416% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.1416% | 296 |
| Net charge-offs to loans | -0.0024% | 4,605 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0782% | 3,993 |
| Assets per employee ($millions) | 4.7170% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.7887% | 4,677 |
| Net loans and leases to deposits | 58.3912% | 4,963 |
| Net loans and leases to core deposits | 60.3431% | 5,049 |
| Total domestic deposits to total assets | 90.4052% | 496 |
| Equity capital to assets | 9.3061% | 4,891 |
| Core capital (leverage) ratio | 7.9096% | 5,971 |
| Tier 1 risk-based capital ratio | 15.1351% | 3,284 |
| Total risk-based capital ratio | 16.0412% | 3,410 |
| Memoranda: | ||
| Average total assets | $182,052,330 | 3,192 |
| Average earning assets | $172,367,330 | 3,131 |
| Average equity | $13,955,670 | 4,050 |
| Average total loans | $84,735,330 | 3,759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 5,873 |
| Cost of funding earning assets | 0.1553% | 5,888 |
| Net interest margin | 2.8659% | 5,518 |
| Noninterest income to average assets | 0.5889% | 2,705 |
| Noninterest expense to average assets | 2.1505% | 5,275 |
| Loan and lease loss provision to assets | 0.0622% | 2,685 |
| Net operating income to assets | 1.0078% | 2,231 |
| Return on assets (ROA) | 1.0078% | 2,367 |
| Pretax return on assets | 1.0929% | 3,113 |
| Return on Equity (ROE) | 14.4310% | 803 |
| Retained earnings to average equity (ytd only) | 14.4310% | 329 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0565% | 4,309 |
| Assets per employee ($millions) | 5.5321% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 4,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.1259% | 5,594 |
| Net loans and leases to deposits | 43.4717% | 5,779 |
| Net loans and leases to core deposits | 44.6884% | 5,820 |
| Total domestic deposits to total assets | 92.3036% | 114 |
| Equity capital to assets | 7.4852% | 6,184 |
| Core capital (leverage) ratio | 7.5226% | 6,132 |
| Tier 1 risk-based capital ratio | 14.1253% | 3,932 |
| Total risk-based capital ratio | 14.9859% | 4,108 |
| Memoranda: | ||
| Average total assets | $192,889,000 | 3,082 |
| Average earning assets | $182,841,500 | 3,032 |
| Average equity | $13,471,000 | 4,153 |
| Average total loans | $84,325,500 | 3,791 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 4,195 |
| Cost of funding earning assets | 0.1797% | 5,912 |
| Net interest margin | 3.7028% | 2,999 |
| Noninterest income to average assets | 0.6830% | 2,380 |
| Noninterest expense to average assets | 2.6984% | 3,867 |
| Loan and lease loss provision to assets | 0.0177% | 4,257 |
| Net operating income to assets | 1.1206% | 1,902 |
| Return on assets (ROA) | 1.1206% | 1,960 |
| Pretax return on assets | 1.4346% | 1,770 |
| Return on Equity (ROE) | 15.0084% | 779 |
| Retained earnings to average equity (ytd only) | 8.0001% | 1,017 |
| Net charge-offs to loans | -0.0533% | 5,947 |
| Credit loss provision to net charge-offs | -61.7021% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0103% | 4,400 |
| Assets per employee ($millions) | 5.1934% | 2,083 |
| Cash dividends to net income (ytd only)* | 46.6958% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 46.4333% | 5,294 |
| Net loans and leases to deposits | 49.6942% | 5,595 |
| Net loans and leases to core deposits | 50.9784% | 5,668 |
| Total domestic deposits to total assets | 93.4381% | 49 |
| Equity capital to assets | 6.4786% | 6,380 |
| Core capital (leverage) ratio | 6.1700% | 6,397 |
| Tier 1 risk-based capital ratio | 11.2307% | 5,802 |
| Total risk-based capital ratio | 11.9994% | 5,944 |
| Memoranda: | ||
| Average total assets | $163,393,400 | 3,433 |
| Average earning assets | $153,018,400 | 3,393 |
| Average equity | $12,199,800 | 4,321 |
| Average total loans | $88,164,200 | 3,671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,903 |
| Cost of funding earning assets | 0.1881% | 5,937 |
| Net interest margin | 3.7775% | 2,703 |
| Noninterest income to average assets | 0.7033% | 2,314 |
| Noninterest expense to average assets | 2.7033% | 3,813 |
| Loan and lease loss provision to assets | 0.0043% | 4,328 |
| Net operating income to assets | 1.2104% | 1,646 |
| Return on assets (ROA) | 1.2104% | 1,712 |
| Pretax return on assets | 1.5262% | 1,562 |
| Return on Equity (ROE) | 15.5767% | 734 |
| Retained earnings to average equity (ytd only) | 15.5767% | 180 |
| Net charge-offs to loans | -0.1399% | 6,222 |
| Credit loss provision to net charge-offs | -5.4348% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8508% | 4,575 |
| Assets per employee ($millions) | 5.5068% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 5,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.7173% | 5,404 |
| Net loans and leases to deposits | 48.8751% | 5,709 |
| Net loans and leases to core deposits | 50.2414% | 5,775 |
| Total domestic deposits to total assets | 93.5392% | 54 |
| Equity capital to assets | 6.3268% | 6,460 |
| Core capital (leverage) ratio | 6.2309% | 6,462 |
| Tier 1 risk-based capital ratio | 11.6240% | 5,722 |
| Total risk-based capital ratio | 12.4113% | 5,882 |
| Memoranda: | ||
| Average total assets | $156,203,000 | 3,576 |
| Average earning assets | $145,983,750 | 3,539 |
| Average equity | $12,137,500 | 4,360 |
| Average total loans | $87,686,250 | 3,716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,822 |
| Cost of funding earning assets | 0.2089% | 5,841 |
| Net interest margin | 4.0266% | 1,738 |
| Noninterest income to average assets | 0.7795% | 1,918 |
| Noninterest expense to average assets | 2.9867% | 2,880 |
| Loan and lease loss provision to assets | 0.0071% | 4,094 |
| Net operating income to assets | 1.2383% | 1,481 |
| Return on assets (ROA) | 1.2383% | 1,543 |
| Pretax return on assets | 1.5204% | 1,478 |
| Return on Equity (ROE) | 14.6218% | 850 |
| Retained earnings to average equity (ytd only) | 14.6218% | 231 |
| Net charge-offs to loans | -0.3342% | 6,453 |
| Credit loss provision to net charge-offs | -3.4965% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1616% | 4,341 |
| Assets per employee ($millions) | 3.6521% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 5,225 |
| Loan loss allowance to noncurrent loans | 205.7906% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 5,047 |
| Noncurrent loans to loans | 0.4993% | 4,499 |
| Net loans and leases to total assets | 65.8617% | 2,765 |
| Net loans and leases to deposits | 72.7962% | 3,474 |
| Net loans and leases to core deposits | 75.4033% | 3,688 |
| Total domestic deposits to total assets | 90.4741% | 599 |
| Equity capital to assets | 9.1299% | 5,175 |
| Core capital (leverage) ratio | 8.2255% | 5,908 |
| Tier 1 risk-based capital ratio | 11.9130% | 5,588 |
| Total risk-based capital ratio | 12.8051% | 5,724 |
| Memoranda: | ||
| Average total assets | $140,353,330 | 3,844 |
| Average earning assets | $130,185,000 | 3,806 |
| Average equity | $11,886,330 | 4,421 |
| Average total loans | $85,574,000 | 3,779 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,714 |
| Cost of funding earning assets | 0.2192% | 5,855 |
| Net interest margin | 3.7737% | 2,578 |
| Noninterest income to average assets | 0.7834% | 1,825 |
| Noninterest expense to average assets | 2.9685% | 2,987 |
| Loan and lease loss provision to assets | 0.0140% | 3,645 |
| Net operating income to assets | 1.1219% | 1,727 |
| Return on assets (ROA) | 1.1219% | 1,791 |
| Pretax return on assets | 1.3178% | 2,036 |
| Return on Equity (ROE) | 13.7553% | 988 |
| Retained earnings to average equity (ytd only) | 13.7553% | 416 |
| Net charge-offs to loans | -0.6954% | 6,593 |
| Credit loss provision to net charge-offs | -3.4483% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0306% | 3,999 |
| Assets per employee ($millions) | 4.0381% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.4618% | 4,496 |
| Net loans and leases to deposits | 58.2675% | 4,916 |
| Net loans and leases to core deposits | 61.0260% | 4,958 |
| Total domestic deposits to total assets | 91.7523% | 314 |
| Equity capital to assets | 8.1645% | 5,936 |
| Core capital (leverage) ratio | 8.3375% | 5,812 |
| Tier 1 risk-based capital ratio | 12.2013% | 5,505 |
| Total risk-based capital ratio | 13.1530% | 5,628 |
| Memoranda: | ||
| Average total assets | $142,966,500 | 3,826 |
| Average earning assets | $133,236,500 | 3,778 |
| Average equity | $11,661,000 | 4,477 |
| Average total loans | $83,400,500 | 3,850 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,902 |
| Cost of funding earning assets | 0.2262% | 6,137 |
| Net interest margin | 3.8291% | 2,537 |
| Noninterest income to average assets | 0.6674% | 2,721 |
| Noninterest expense to average assets | 2.9332% | 3,267 |
| Loan and lease loss provision to assets | 0.0649% | 3,832 |
| Net operating income to assets | 0.9946% | 2,346 |
| Return on assets (ROA) | 0.9946% | 2,421 |
| Pretax return on assets | 1.2541% | 2,343 |
| Return on Equity (ROE) | 12.9190% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.5988% | 2,219 |
| Net charge-offs to loans | 0.0695% | 4,234 |
| Credit loss provision to net charge-offs | 161.0169% | 1,424 |
| Earnings coverage of net charge-offs (x) | 32.7288% | 1,098 |
| Efficiency ratio | 68.9799% | 4,021 |
| Assets per employee ($millions) | 3.7989% | 4,266 |
| Cash dividends to net income (ytd only)* | 56.6621% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 5,981 |
| Loan loss allowance to noncurrent loans | 87.5847% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 4,343 |
| Noncurrent loans to loans | 1.0050% | 3,501 |
| Net loans and leases to total assets | 62.1656% | 3,332 |
| Net loans and leases to deposits | 67.8590% | 4,076 |
| Net loans and leases to core deposits | 71.0505% | 4,182 |
| Total domestic deposits to total assets | 91.6100% | 374 |
| Equity capital to assets | 8.1481% | 5,903 |
| Core capital (leverage) ratio | 8.0801% | 6,076 |
| Tier 1 risk-based capital ratio | 10.9076% | 6,216 |
| Total risk-based capital ratio | 11.6455% | 6,355 |
| Memoranda: | ||
| Average total assets | $146,395,000 | 3,762 |
| Average earning assets | $137,056,800 | 3,709 |
| Average equity | $11,270,200 | 4,586 |
| Average total loans | $84,906,600 | 3,798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 4,515 |
| Cost of funding earning assets | 0.2215% | 6,285 |
| Net interest margin | 3.6743% | 3,134 |
| Noninterest income to average assets | 0.6529% | 2,871 |
| Noninterest expense to average assets | 2.7215% | 3,940 |
| Loan and lease loss provision to assets | 0.0866% | 3,330 |
| Net operating income to assets | 1.0073% | 2,347 |
| Return on assets (ROA) | 1.0073% | 2,432 |
| Pretax return on assets | 1.2859% | 2,383 |
| Return on Equity (ROE) | 13.2683% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.2683% | 313 |
| Net charge-offs to loans | -0.0048% | 5,777 |
| Credit loss provision to net charge-offs | -3,200.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4758% | 4,402 |
| Assets per employee ($millions) | 3.9579% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,099 |
| Loan loss allowance to noncurrent loans | 87.2141% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 4,375 |
| Noncurrent loans to loans | 1.0128% | 3,781 |
| Net loans and leases to total assets | 67.9608% | 2,302 |
| Net loans and leases to deposits | 74.7169% | 3,127 |
| Net loans and leases to core deposits | 78.7170% | 3,270 |
| Total domestic deposits to total assets | 90.9577% | 551 |
| Equity capital to assets | 8.6452% | 5,573 |
| Core capital (leverage) ratio | 8.4164% | 5,844 |
| Tier 1 risk-based capital ratio | 11.0501% | 6,255 |
| Total risk-based capital ratio | 11.8235% | 6,402 |
| Memoranda: | ||
| Average total assets | $147,853,750 | 3,782 |
| Average earning assets | $138,471,250 | 3,725 |
| Average equity | $11,224,500 | 4,638 |
| Average total loans | $84,094,250 | 3,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 5,349 |
| Cost of funding earning assets | 0.2125% | 6,417 |
| Net interest margin | 3.4190% | 4,119 |
| Noninterest income to average assets | 0.5723% | 3,366 |
| Noninterest expense to average assets | 2.6112% | 4,337 |
| Loan and lease loss provision to assets | 0.1272% | 2,726 |
| Net operating income to assets | 0.7856% | 3,373 |
| Return on assets (ROA) | 0.7856% | 3,536 |
| Pretax return on assets | 1.0532% | 3,283 |
| Return on Equity (ROE) | 10.8074% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.8074% | 680 |
| Net charge-offs to loans | -0.0075% | 5,709 |
| Credit loss provision to net charge-offs | -3,200.0000% | 6,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8679% | 4,031 |
| Assets per employee ($millions) | 3.9437% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 5,984 |
| Loan loss allowance to noncurrent loans | 85.6997% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 4,498 |
| Noncurrent loans to loans | 1.1110% | 3,708 |
| Net loans and leases to total assets | 61.4775% | 3,390 |
| Net loans and leases to deposits | 67.0528% | 4,139 |
| Net loans and leases to core deposits | 70.3354% | 4,231 |
| Total domestic deposits to total assets | 91.6851% | 317 |
| Equity capital to assets | 8.0733% | 6,150 |
| Core capital (leverage) ratio | 7.8092% | 6,303 |
| Tier 1 risk-based capital ratio | 11.0044% | 6,329 |
| Total risk-based capital ratio | 11.8099% | 6,461 |
| Memoranda: | ||
| Average total assets | $150,962,670 | 3,747 |
| Average earning assets | $142,148,330 | 3,689 |
| Average equity | $10,974,000 | 4,728 |
| Average total loans | $80,464,670 | 3,973 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 5,992 |
| Cost of funding earning assets | 0.2039% | 6,558 |
| Net interest margin | 3.1727% | 5,022 |
| Noninterest income to average assets | 0.5609% | 3,364 |
| Noninterest expense to average assets | 2.5087% | 4,721 |
| Loan and lease loss provision to assets | 0.0283% | 4,110 |
| Net operating income to assets | 0.7796% | 3,283 |
| Return on assets (ROA) | 0.7796% | 3,417 |
| Pretax return on assets | 1.0267% | 3,232 |
| Return on Equity (ROE) | 11.2954% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.2954% | 820 |
| Net charge-offs to loans | -0.0052% | 5,278 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3971% | 3,908 |
| Assets per employee ($millions) | 4.2637% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 5,695 |
| Loan loss allowance to noncurrent loans | 76.0364% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 4,760 |
| Noncurrent loans to loans | 1.4141% | 3,447 |
| Net loans and leases to total assets | 45.0741% | 5,537 |
| Net loans and leases to deposits | 48.5792% | 5,880 |
| Net loans and leases to core deposits | 50.1508% | 5,968 |
| Total domestic deposits to total assets | 92.7847% | 147 |
| Equity capital to assets | 7.0882% | 6,696 |
| Core capital (leverage) ratio | 6.7346% | 6,705 |
| Tier 1 risk-based capital ratio | 11.4749% | 6,199 |
| Total risk-based capital ratio | 12.2680% | 6,373 |
| Memoranda: | ||
| Average total assets | $155,457,000 | 3,718 |
| Average earning assets | $147,131,500 | 3,643 |
| Average equity | $10,730,000 | 4,828 |
| Average total loans | $76,636,500 | 4,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 4,486 |
| Cost of funding earning assets | 0.2932% | 6,488 |
| Net interest margin | 3.9340% | 2,675 |
| Noninterest income to average assets | 0.6255% | 3,137 |
| Noninterest expense to average assets | 3.1367% | 2,823 |
| Loan and lease loss provision to assets | -0.0307% | 6,848 |
| Net operating income to assets | 0.9977% | 2,343 |
| Return on assets (ROA) | 1.2010% | 1,767 |
| Pretax return on assets | 1.4188% | 1,967 |
| Return on Equity (ROE) | 16.1560% | 640 |
| Retained earnings to average equity (ytd only) | 8.0876% | 1,093 |
| Net charge-offs to loans | -0.2629% | 6,961 |
| Credit loss provision to net charge-offs | 20.9756% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1923% | 3,211 |
| Assets per employee ($millions) | 4.6300% | 2,733 |
| Cash dividends to net income (ytd only)* | 49.9405% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,290 |
| Loan loss allowance to noncurrent loans | 74.1483% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 4,885 |
| Noncurrent loans to loans | 1.1976% | 3,855 |
| Net loans and leases to total assets | 52.4679% | 4,852 |
| Net loans and leases to deposits | 56.3838% | 5,406 |
| Net loans and leases to core deposits | 58.3475% | 5,507 |
| Total domestic deposits to total assets | 93.0549% | 125 |
| Equity capital to assets | 6.7209% | 6,812 |
| Core capital (leverage) ratio | 7.2069% | 6,629 |
| Tier 1 risk-based capital ratio | 10.4434% | 6,574 |
| Total risk-based capital ratio | 11.1740% | 6,686 |
| Memoranda: | ||
| Average total assets | $140,051,400 | 3,953 |
| Average earning assets | $130,299,000 | 3,887 |
| Average equity | $10,411,000 | 4,889 |
| Average total loans | $77,983,800 | 4,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 4,708 |
| Cost of funding earning assets | 0.3216% | 6,504 |
| Net interest margin | 3.9089% | 2,886 |
| Noninterest income to average assets | 0.6406% | 3,039 |
| Noninterest expense to average assets | 3.0732% | 2,967 |
| Loan and lease loss provision to assets | 0.1562% | 3,570 |
| Net operating income to assets | 0.9547% | 2,724 |
| Return on assets (ROA) | 1.2644% | 1,691 |
| Pretax return on assets | 1.3627% | 2,366 |
| Return on Equity (ROE) | 16.5493% | 662 |
| Retained earnings to average equity (ytd only) | 16.5493% | 170 |
| Net charge-offs to loans | -0.0052% | 6,279 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1569% | 3,296 |
| Assets per employee ($millions) | 3.9503% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,572 |
| Loan loss allowance to noncurrent loans | 73.4127% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 4,858 |
| Noncurrent loans to loans | 1.1062% | 4,207 |
| Net loans and leases to total assets | 65.3694% | 2,761 |
| Net loans and leases to deposits | 71.1818% | 3,724 |
| Net loans and leases to core deposits | 74.9049% | 3,859 |
| Total domestic deposits to total assets | 91.8343% | 228 |
| Equity capital to assets | 7.9740% | 6,609 |
| Core capital (leverage) ratio | 7.9910% | 6,337 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,618 |
| Total risk-based capital ratio | 11.3586% | 6,749 |
| Memoranda: | ||
| Average total assets | $135,709,250 | 4,067 |
| Average earning assets | $125,626,000 | 4,026 |
| Average equity | $10,368,750 | 4,949 |
| Average total loans | $76,646,000 | 4,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 5,545 |
| Cost of funding earning assets | 0.3471% | 6,520 |
| Net interest margin | 3.6852% | 3,898 |
| Noninterest income to average assets | 0.6407% | 3,000 |
| Noninterest expense to average assets | 3.0387% | 3,129 |
| Loan and lease loss provision to assets | 0.2225% | 2,857 |
| Net operating income to assets | 0.7239% | 3,735 |
| Return on assets (ROA) | 1.1864% | 1,959 |
| Pretax return on assets | 1.2828% | 2,618 |
| Return on Equity (ROE) | 15.7635% | 802 |
| Retained earnings to average equity (ytd only) | 15.7635% | 238 |
| Net charge-offs to loans | -0.0084% | 6,247 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1927% | 2,863 |
| Assets per employee ($millions) | 3.9464% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,455 |
| Loan loss allowance to noncurrent loans | 55.8015% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 4,419 |
| Noncurrent loans to loans | 1.6127% | 3,489 |
| Net loans and leases to total assets | 59.9934% | 3,822 |
| Net loans and leases to deposits | 65.2175% | 4,614 |
| Net loans and leases to core deposits | 68.9502% | 4,675 |
| Total domestic deposits to total assets | 91.9897% | 225 |
| Equity capital to assets | 7.8537% | 6,650 |
| Core capital (leverage) ratio | 7.6953% | 6,520 |
| Tier 1 risk-based capital ratio | 10.9181% | 6,535 |
| Total risk-based capital ratio | 11.6756% | 6,708 |
| Memoranda: | ||
| Average total assets | $134,858,330 | 4,100 |
| Average earning assets | $124,443,670 | 4,069 |
| Average equity | $10,150,000 | 4,996 |
| Average total loans | $71,821,000 | 4,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 6,144 |
| Cost of funding earning assets | 0.3720% | 6,543 |
| Net interest margin | 3.4766% | 4,803 |
| Noninterest income to average assets | 0.6716% | 2,805 |
| Noninterest expense to average assets | 3.0326% | 3,145 |
| Loan and lease loss provision to assets | 0.3580% | 1,761 |
| Net operating income to assets | 0.4539% | 5,017 |
| Return on assets (ROA) | 1.3077% | 1,608 |
| Pretax return on assets | 1.3965% | 2,202 |
| Return on Equity (ROE) | 17.7581% | 574 |
| Retained earnings to average equity (ytd only) | 17.7581% | 267 |
| Net charge-offs to loans | -0.0060% | 5,827 |
| Credit loss provision to net charge-offs | -12,100.0000% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1846% | 2,468 |
| Assets per employee ($millions) | 4.0147% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,037 |
| Loan loss allowance to noncurrent loans | 52.9501% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 4,570 |
| Noncurrent loans to loans | 2.0053% | 3,156 |
| Net loans and leases to total assets | 47.7832% | 5,584 |
| Net loans and leases to deposits | 51.6970% | 6,003 |
| Net loans and leases to core deposits | 54.5155% | 6,021 |
| Total domestic deposits to total assets | 92.4293% | 198 |
| Equity capital to assets | 7.4549% | 6,799 |
| Core capital (leverage) ratio | 7.4998% | 6,633 |
| Tier 1 risk-based capital ratio | 11.3456% | 6,365 |
| Total risk-based capital ratio | 12.1259% | 6,578 |
| Memoranda: | ||
| Average total assets | $135,198,500 | 4,121 |
| Average earning assets | $124,719,000 | 4,094 |
| Average equity | $9,956,000 | 5,055 |
| Average total loans | $67,117,000 | 4,544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 3,459 |
| Cost of funding earning assets | 0.5049% | 6,507 |
| Net interest margin | 4.3740% | 1,469 |
| Noninterest income to average assets | 0.7503% | 2,336 |
| Noninterest expense to average assets | 3.5696% | 1,806 |
| Loan and lease loss provision to assets | -0.0825% | 7,267 |
| Net operating income to assets | 1.1326% | 1,714 |
| Return on assets (ROA) | 1.1326% | 1,835 |
| Pretax return on assets | 1.2606% | 2,271 |
| Return on Equity (ROE) | 13.9633% | 938 |
| Retained earnings to average equity (ytd only) | 6.1771% | 1,917 |
| Net charge-offs to loans | -0.2153% | 7,214 |
| Credit loss provision to net charge-offs | 64.4737% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1862% | 3,036 |
| Assets per employee ($millions) | 3.7194% | 4,511 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 6,651 |
| Loan loss allowance to noncurrent loans | 43.6556% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 4,629 |
| Noncurrent loans to loans | 1.9382% | 3,288 |
| Net loans and leases to total assets | 50.5852% | 5,513 |
| Net loans and leases to deposits | 54.6265% | 6,010 |
| Net loans and leases to core deposits | 57.7086% | 6,020 |
| Total domestic deposits to total assets | 92.6018% | 168 |
| Equity capital to assets | 7.2713% | 6,886 |
| Core capital (leverage) ratio | 7.3726% | 6,713 |
| Tier 1 risk-based capital ratio | 11.9730% | 5,856 |
| Total risk-based capital ratio | 12.6839% | 6,188 |
| Memoranda: | ||
| Average total assets | $118,751,800 | 4,436 |
| Average earning assets | $108,527,800 | 4,434 |
| Average equity | $9,632,400 | 5,111 |
| Average total loans | $70,604,400 | 4,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 3,367 |
| Cost of funding earning assets | 0.5225% | 6,613 |
| Net interest margin | 4.4211% | 1,342 |
| Noninterest income to average assets | 0.7840% | 2,125 |
| Noninterest expense to average assets | 3.5291% | 1,859 |
| Loan and lease loss provision to assets | -0.1125% | 7,362 |
| Net operating income to assets | 1.1887% | 1,681 |
| Return on assets (ROA) | 1.1887% | 1,798 |
| Pretax return on assets | 1.4102% | 1,916 |
| Return on Equity (ROE) | 14.2261% | 994 |
| Retained earnings to average equity (ytd only) | 14.2261% | 285 |
| Net charge-offs to loans | -0.2829% | 7,297 |
| Credit loss provision to net charge-offs | 64.2384% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1139% | 3,345 |
| Assets per employee ($millions) | 3.3818% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 6,910 |
| Loan loss allowance to noncurrent loans | 54.7867% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 5,125 |
| Noncurrent loans to loans | 1.3518% | 4,278 |
| Net loans and leases to total assets | 60.2798% | 4,083 |
| Net loans and leases to deposits | 65.6077% | 4,958 |
| Net loans and leases to core deposits | 68.8670% | 5,078 |
| Total domestic deposits to total assets | 91.8792% | 226 |
| Equity capital to assets | 7.9107% | 6,746 |
| Core capital (leverage) ratio | 8.0443% | 6,352 |
| Tier 1 risk-based capital ratio | 11.4506% | 6,268 |
| Total risk-based capital ratio | 12.1017% | 6,612 |
| Memoranda: | ||
| Average total assets | $114,965,500 | 4,559 |
| Average earning assets | $105,130,500 | 4,546 |
| Average equity | $9,606,500 | 5,155 |
| Average total loans | $71,178,000 | 4,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 3,536 |
| Cost of funding earning assets | 0.5387% | 6,709 |
| Net interest margin | 4.3808% | 1,434 |
| Noninterest income to average assets | 0.8076% | 1,986 |
| Noninterest expense to average assets | 3.5998% | 1,745 |
| Loan and lease loss provision to assets | -0.1756% | 7,446 |
| Net operating income to assets | 1.1535% | 1,709 |
| Return on assets (ROA) | 1.1535% | 1,788 |
| Pretax return on assets | 1.3744% | 1,882 |
| Return on Equity (ROE) | 13.5244% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.5244% | 353 |
| Net charge-offs to loans | -0.4384% | 7,388 |
| Credit loss provision to net charge-offs | 64.2384% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0189% | 3,172 |
| Assets per employee ($millions) | 3.1759% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 6,896 |
| Loan loss allowance to noncurrent loans | 54.6831% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,070 |
| Noncurrent loans to loans | 1.4373% | 4,259 |
| Net loans and leases to total assets | 62.0902% | 3,870 |
| Net loans and leases to deposits | 67.8473% | 4,731 |
| Net loans and leases to core deposits | 71.5669% | 4,872 |
| Total domestic deposits to total assets | 91.5146% | 339 |
| Equity capital to assets | 8.3211% | 6,396 |
| Core capital (leverage) ratio | 8.6382% | 5,329 |
| Tier 1 risk-based capital ratio | 11.5482% | 6,131 |
| Total risk-based capital ratio | 12.2309% | 6,521 |
| Memoranda: | ||
| Average total assets | $110,451,000 | 4,692 |
| Average earning assets | $100,620,000 | 4,695 |
| Average equity | $9,420,000 | 5,209 |
| Average total loans | $68,889,670 | 4,618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 4,310 |
| Cost of funding earning assets | 0.5524% | 6,795 |
| Net interest margin | 4.1926% | 1,912 |
| Noninterest income to average assets | 0.8604% | 1,812 |
| Noninterest expense to average assets | 3.6625% | 1,622 |
| Loan and lease loss provision to assets | 0.0561% | 5,302 |
| Net operating income to assets | 0.7482% | 3,284 |
| Return on assets (ROA) | 0.7482% | 3,348 |
| Pretax return on assets | 0.9465% | 3,332 |
| Return on Equity (ROE) | 8.6571% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.6571% | 1,505 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5084% | 2,767 |
| Assets per employee ($millions) | 2.9388% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,718 |
| Loan loss allowance to noncurrent loans | 46.6263% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 4,802 |
| Noncurrent loans to loans | 1.9125% | 3,682 |
| Net loans and leases to total assets | 55.0912% | 5,146 |
| Net loans and leases to deposits | 60.3597% | 5,688 |
| Net loans and leases to core deposits | 63.2760% | 5,806 |
| Total domestic deposits to total assets | 91.2715% | 499 |
| Equity capital to assets | 8.5905% | 5,780 |
| Core capital (leverage) ratio | 8.2217% | 5,949 |
| Tier 1 risk-based capital ratio | 12.4277% | 5,334 |
| Total risk-based capital ratio | 13.1448% | 5,781 |
| Memoranda: | ||
| Average total assets | $106,922,500 | 4,812 |
| Average earning assets | $97,027,500 | 4,820 |
| Average equity | $9,241,000 | 5,251 |
| Average total loans | $66,565,000 | 4,751 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 1,647 |
| Cost of funding earning assets | 0.6148% | 7,097 |
| Net interest margin | 5.0638% | 378 |
| Noninterest income to average assets | 0.7183% | 2,728 |
| Noninterest expense to average assets | 3.6736% | 1,765 |
| Loan and lease loss provision to assets | 0.1543% | 5,663 |
| Net operating income to assets | 1.2021% | 1,409 |
| Return on assets (ROA) | 1.2029% | 1,484 |
| Pretax return on assets | 1.4104% | 1,633 |
| Return on Equity (ROE) | 14.6127% | 771 |
| Retained earnings to average equity (ytd only) | 5.9744% | 1,836 |
| Net charge-offs to loans | 0.1289% | 5,609 |
| Credit loss provision to net charge-offs | 171.0000% | 1,976 |
| Earnings coverage of net charge-offs (x) | 17.3300% | 1,158 |
| Efficiency ratio | 70.1413% | 4,149 |
| Assets per employee ($millions) | 2.9197% | 6,274 |
| Cash dividends to net income (ytd only)* | 59.1148% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 7,107 |
| Loan loss allowance to noncurrent loans | 44.1077% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 4,749 |
| Noncurrent loans to loans | 1.6344% | 4,050 |
| Net loans and leases to total assets | 68.6554% | 2,825 |
| Net loans and leases to deposits | 76.8779% | 3,708 |
| Net loans and leases to core deposits | 80.5085% | 4,134 |
| Total domestic deposits to total assets | 89.3044% | 1,492 |
| Equity capital to assets | 8.6967% | 5,591 |
| Core capital (leverage) ratio | 7.9014% | 6,316 |
| Tier 1 risk-based capital ratio | 11.6089% | 5,809 |
| Total risk-based capital ratio | 12.2744% | 6,280 |
| Memoranda: | ||
| Average total assets | $110,818,000 | 4,693 |
| Average earning assets | $98,898,200 | 4,749 |
| Average equity | $9,122,200 | 5,387 |
| Average total loans | $77,596,800 | 4,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 2,240 |
| Cost of funding earning assets | 0.6236% | 7,243 |
| Net interest margin | 4.9298% | 525 |
| Noninterest income to average assets | 0.7792% | 2,327 |
| Noninterest expense to average assets | 3.4733% | 2,107 |
| Loan and lease loss provision to assets | 0.2031% | 5,021 |
| Net operating income to assets | 1.3376% | 1,263 |
| Return on assets (ROA) | 1.3387% | 1,333 |
| Pretax return on assets | 1.4991% | 1,622 |
| Return on Equity (ROE) | 16.4807% | 652 |
| Retained earnings to average equity (ytd only) | 16.4807% | 152 |
| Net charge-offs to loans | 0.1438% | 5,151 |
| Credit loss provision to net charge-offs | 201.1765% | 1,770 |
| Earnings coverage of net charge-offs (x) | 16.8472% | 1,358 |
| Efficiency ratio | 67.1258% | 4,636 |
| Assets per employee ($millions) | 3.4423% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 7,323 |
| Loan loss allowance to noncurrent loans | 481.2500% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 7,123 |
| Noncurrent loans to loans | 0.1291% | 6,920 |
| Net loans and leases to total assets | 71.5679% | 2,348 |
| Net loans and leases to deposits | 93.9639% | 1,203 |
| Net loans and leases to core deposits | 98.0978% | 2,030 |
| Total domestic deposits to total assets | 76.1653% | 6,626 |
| Equity capital to assets | 8.0702% | 6,742 |
| Core capital (leverage) ratio | 8.1009% | 6,197 |
| Tier 1 risk-based capital ratio | 10.2839% | 6,904 |
| Total risk-based capital ratio | 10.8540% | 7,218 |
| Memoranda: | ||
| Average total assets | $112,245,250 | 4,709 |
| Average earning assets | $100,068,500 | 4,778 |
| Average equity | $9,117,500 | 5,462 |
| Average total loans | $78,824,250 | 4,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 2,834 |
| Cost of funding earning assets | 0.6515% | 7,291 |
| Net interest margin | 4.7794% | 680 |
| Noninterest income to average assets | 0.7689% | 2,287 |
| Noninterest expense to average assets | 3.5196% | 1,987 |
| Loan and lease loss provision to assets | 0.1151% | 5,751 |
| Net operating income to assets | 1.2017% | 1,557 |
| Return on assets (ROA) | 1.1872% | 1,661 |
| Pretax return on assets | 1.3516% | 1,946 |
| Return on Equity (ROE) | 14.5811% | 928 |
| Retained earnings to average equity (ytd only) | 14.5811% | 272 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3541% | 4,120 |
| Assets per employee ($millions) | 3.1148% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 7,361 |
| Loan loss allowance to noncurrent loans | 460.7143% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 7,144 |
| Noncurrent loans to loans | 0.1385% | 6,981 |
| Net loans and leases to total assets | 71.6762% | 2,493 |
| Net loans and leases to deposits | 93.8333% | 1,297 |
| Net loans and leases to core deposits | 98.6402% | 2,162 |
| Total domestic deposits to total assets | 76.3868% | 6,613 |
| Equity capital to assets | 8.2456% | 6,487 |
| Core capital (leverage) ratio | 8.7221% | 5,043 |
| Tier 1 risk-based capital ratio | 10.3999% | 6,760 |
| Total risk-based capital ratio | 10.9803% | 7,164 |
| Memoranda: | ||
| Average total assets | $109,500,330 | 4,817 |
| Average earning assets | $97,000,000 | 4,904 |
| Average equity | $8,915,670 | 5,525 |
| Average total loans | $76,177,670 | 4,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 2,908 |
| Cost of funding earning assets | 0.6679% | 7,401 |
| Net interest margin | 4.7595% | 691 |
| Noninterest income to average assets | 0.7728% | 2,157 |
| Noninterest expense to average assets | 3.6197% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1714% | 1,613 |
| Return on assets (ROA) | 1.1425% | 1,775 |
| Pretax return on assets | 1.3089% | 2,024 |
| Return on Equity (ROE) | 14.1249% | 1,032 |
| Retained earnings to average equity (ytd only) | 14.1249% | 494 |
| Net charge-offs to loans | 0.8128% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.4200% | 3,334 |
| Efficiency ratio | 72.9508% | 3,768 |
| Assets per employee ($millions) | 2.7413% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 7,647 |
| Loan loss allowance to noncurrent loans | 270.5357% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,194 |
| Noncurrent loans to loans | 0.1654% | 7,005 |
| Net loans and leases to total assets | 68.2991% | 3,308 |
| Net loans and leases to deposits | 79.0618% | 3,829 |
| Net loans and leases to core deposits | 82.5699% | 4,410 |
| Total domestic deposits to total assets | 86.3870% | 2,945 |
| Equity capital to assets | 9.0237% | 5,243 |
| Core capital (leverage) ratio | 8.4209% | 5,523 |
| Tier 1 risk-based capital ratio | 11.3486% | 5,810 |
| Total risk-based capital ratio | 11.7347% | 6,640 |
| Memoranda: | ||
| Average total assets | $108,184,500 | 4,919 |
| Average earning assets | $95,219,500 | 5,012 |
| Average equity | $8,750,500 | 5,610 |
| Average total loans | $73,822,500 | 4,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 3,017 |
| Cost of funding earning assets | 0.6875% | 7,698 |
| Net interest margin | 5.0302% | 419 |
| Noninterest income to average assets | 0.6648% | 3,195 |
| Noninterest expense to average assets | 3.4613% | 2,488 |
| Loan and lease loss provision to assets | 0.5390% | 3,674 |
| Net operating income to assets | 1.0744% | 1,582 |
| Return on assets (ROA) | 1.0807% | 1,615 |
| Pretax return on assets | 1.2334% | 1,861 |
| Return on Equity (ROE) | 14.1940% | 752 |
| Retained earnings to average equity (ytd only) | 8.3182% | 623 |
| Net charge-offs to loans | 0.5534% | 3,571 |
| Credit loss provision to net charge-offs | 137.9310% | 3,560 |
| Earnings coverage of net charge-offs (x) | 4.5172% | 2,919 |
| Efficiency ratio | 66.2255% | 5,351 |
| Assets per employee ($millions) | 3.0969% | 5,996 |
| Cash dividends to net income (ytd only)* | 41.3965% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 7,603 |
| Loan loss allowance to noncurrent loans | 400.8850% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 7,257 |
| Noncurrent loans to loans | 0.1414% | 7,077 |
| Net loans and leases to total assets | 67.5436% | 3,807 |
| Net loans and leases to deposits | 88.3494% | 2,499 |
| Net loans and leases to core deposits | 109.8204% | 2,912 |
| Total domestic deposits to total assets | 76.4505% | 6,598 |
| Equity capital to assets | 7.3043% | 7,197 |
| Core capital (leverage) ratio | 7.0390% | 7,206 |
| Tier 1 risk-based capital ratio | 9.7451% | 7,065 |
| Total risk-based capital ratio | 10.2587% | 7,484 |
| Memoranda: | ||
| Average total assets | $111,317,200 | 4,788 |
| Average earning assets | $100,950,800 | 4,812 |
| Average equity | $8,475,400 | 5,772 |
| Average total loans | $78,601,800 | 4,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 3,826 |
| Cost of funding earning assets | 0.7020% | 7,809 |
| Net interest margin | 4.9048% | 548 |
| Noninterest income to average assets | 0.6671% | 3,242 |
| Noninterest expense to average assets | 3.3951% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4683% | 880 |
| Return on assets (ROA) | 1.4764% | 924 |
| Pretax return on assets | 1.7814% | 836 |
| Return on Equity (ROE) | 19.1819% | 355 |
| Retained earnings to average equity (ytd only) | 19.1819% | 76 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7103% | 5,420 |
| Assets per employee ($millions) | 3.2167% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3209% | 7,894 |
| Loan loss allowance to noncurrent loans | 144.0000% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 7,126 |
| Noncurrent loans to loans | 0.2229% | 6,940 |
| Net loans and leases to total assets | 73.1754% | 2,745 |
| Net loans and leases to deposits | 106.3845% | 633 |
| Net loans and leases to core deposits | 132.8018% | 1,285 |
| Total domestic deposits to total assets | 68.7839% | 7,507 |
| Equity capital to assets | 7.4504% | 7,334 |
| Core capital (leverage) ratio | 7.4939% | 6,981 |
| Tier 1 risk-based capital ratio | 9.4670% | 7,397 |
| Total risk-based capital ratio | 9.7664% | 7,754 |
| Memoranda: | ||
| Average total assets | $109,725,500 | 4,857 |
| Average earning assets | $100,661,000 | 4,845 |
| Average equity | $8,445,250 | 5,838 |
| Average total loans | $78,267,000 | 4,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 4,668 |
| Cost of funding earning assets | 0.7098% | 7,913 |
| Net interest margin | 4.7843% | 671 |
| Noninterest income to average assets | 0.6764% | 3,139 |
| Noninterest expense to average assets | 3.4408% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3253% | 1,175 |
| Return on assets (ROA) | 1.3377% | 1,215 |
| Pretax return on assets | 1.6314% | 1,146 |
| Return on Equity (ROE) | 17.1679% | 563 |
| Retained earnings to average equity (ytd only) | 17.1679% | 128 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0405% | 5,153 |
| Assets per employee ($millions) | 3.3056% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3475% | 7,950 |
| Loan loss allowance to noncurrent loans | 177.7778% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 7,214 |
| Noncurrent loans to loans | 0.1955% | 7,026 |
| Net loans and leases to total assets | 71.3914% | 3,380 |
| Net loans and leases to deposits | 97.8649% | 1,541 |
| Net loans and leases to core deposits | 120.7770% | 2,293 |
| Total domestic deposits to total assets | 72.9489% | 7,115 |
| Equity capital to assets | 7.4307% | 7,324 |
| Core capital (leverage) ratio | 7.9362% | 6,435 |
| Tier 1 risk-based capital ratio | 9.5365% | 7,356 |
| Total risk-based capital ratio | 9.8560% | 7,865 |
| Memoranda: | ||
| Average total assets | $105,555,670 | 4,998 |
| Average earning assets | $96,649,330 | 4,985 |
| Average equity | $8,224,670 | 5,943 |
| Average total loans | $74,444,670 | 4,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 4,999 |
| Cost of funding earning assets | 0.7484% | 7,960 |
| Net interest margin | 4.7342% | 713 |
| Noninterest income to average assets | 0.7086% | 2,836 |
| Noninterest expense to average assets | 3.5707% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1883% | 1,691 |
| Return on assets (ROA) | 1.2141% | 1,725 |
| Pretax return on assets | 1.5007% | 1,667 |
| Return on Equity (ROE) | 15.1770% | 946 |
| Retained earnings to average equity (ytd only) | 15.1770% | 394 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8531% | 4,397 |
| Assets per employee ($millions) | 2.5749% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4176% | 7,925 |
| Loan loss allowance to noncurrent loans | 177.7778% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 7,057 |
| Noncurrent loans to loans | 0.2349% | 6,860 |
| Net loans and leases to total assets | 70.1865% | 3,629 |
| Net loans and leases to deposits | 80.1312% | 4,589 |
| Net loans and leases to core deposits | 97.9728% | 4,749 |
| Total domestic deposits to total assets | 87.5896% | 1,927 |
| Equity capital to assets | 8.3714% | 6,281 |
| Core capital (leverage) ratio | 8.2044% | 6,094 |
| Tier 1 risk-based capital ratio | 10.5149% | 6,381 |
| Total risk-based capital ratio | 10.8844% | 7,238 |
| Memoranda: | ||
| Average total assets | $100,485,500 | 5,167 |
| Average earning assets | $91,926,500 | 5,150 |
| Average equity | $8,038,500 | 6,050 |
| Average total loans | $70,224,500 | 4,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3229% | 3,839 |
| Cost of funding earning assets | 1.3770% | 7,764 |
| Net interest margin | 4.9459% | 575 |
| Noninterest income to average assets | 0.7927% | 2,559 |
| Noninterest expense to average assets | 3.4828% | 2,444 |
| Loan and lease loss provision to assets | 0.0643% | 6,591 |
| Net operating income to assets | 1.4579% | 1,110 |
| Return on assets (ROA) | 1.4629% | 1,057 |
| Pretax return on assets | 1.7771% | 986 |
| Return on Equity (ROE) | 18.4234% | 496 |
| Retained earnings to average equity (ytd only) | 8.4151% | 726 |
| Net charge-offs to loans | 0.0197% | 6,581 |
| Credit loss provision to net charge-offs | 484.6154% | 907 |
| Earnings coverage of net charge-offs (x) | 138.3846% | 327 |
| Efficiency ratio | 65.4901% | 5,224 |
| Assets per employee ($millions) | 2.6443% | 6,903 |
| Cash dividends to net income (ytd only)* | 54.3236% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4029% | 7,970 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 6,702 |
| Noncurrent loans to loans | 0.3133% | 6,437 |
| Net loans and leases to total assets | 69.0408% | 4,247 |
| Net loans and leases to deposits | 78.6747% | 5,248 |
| Net loans and leases to core deposits | 100.5678% | 4,769 |
| Total domestic deposits to total assets | 87.7548% | 1,577 |
| Equity capital to assets | 7.6470% | 7,262 |
| Core capital (leverage) ratio | 7.3228% | 7,390 |
| Tier 1 risk-based capital ratio | 10.1897% | 6,527 |
| Total risk-based capital ratio | 10.5615% | 7,430 |
| Memoranda: | ||
| Average total assets | $98,023,600 | 5,114 |
| Average earning assets | $89,689,800 | 5,094 |
| Average equity | $7,783,600 | 6,176 |
| Average total loans | $65,886,600 | 5,023 |