Home > Sunmark Community Bank > Performance and Condition Ratios
Sunmark Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4303% | 779 |
| Cost of funding earning assets | 0.8646% | 4,131 |
| Net interest margin | 5.5657% | 164 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.8785% | 1,355 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 2.7434% | 176 |
| Return on assets (ROA) | 2.7434% | 177 |
| Pretax return on assets | 2.8843% | 204 |
| Return on Equity (ROE) | 23.3100% | 242 |
| Retained earnings to average equity (ytd only) | 10.4663% | 512 |
| Net charge-offs to loans | 0.0115% | 2,486 |
| Credit loss provision to net charge-offs | 762.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 353.1875% | 338 |
| Efficiency ratio | 49.4046% | 4,016 |
| Assets per employee ($millions) | 6.1007% | 2,802 |
| Cash dividends to net income (ytd only)* | 55.0960% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 228 |
| Loan loss allowance to noncurrent loans | 26,904.1667% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,727 |
| Noncurrent loans to loans | 0.0090% | 3,695 |
| Net loans and leases to total assets | 66.6000% | 2,304 |
| Net loans and leases to deposits | 77.2642% | 2,343 |
| Net loans and leases to core deposits | 80.6223% | 2,736 |
| Total domestic deposits to total assets | 86.1900% | 2,163 |
| Equity capital to assets | 12.1612% | 1,124 |
| Core capital (leverage) ratio | 12.7350% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $383,390,000 | 2,092 |
| Average earning assets | $364,572,200 | 2,053 |
| Average equity | $45,126,000 | 1,839 |
| Average total loans | $277,976,000 | 1,939 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4100% | 776 |
| Cost of funding earning assets | 0.8621% | 4,153 |
| Net interest margin | 5.5479% | 182 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 2.9264% | 1,209 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 2.6944% | 190 |
| Return on assets (ROA) | 2.6944% | 194 |
| Pretax return on assets | 2.8149% | 235 |
| Return on Equity (ROE) | 23.0900% | 262 |
| Retained earnings to average equity (ytd only) | 9.9511% | 868 |
| Net charge-offs to loans | -0.0161% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.2249% | 3,978 |
| Assets per employee ($millions) | 5.8634% | 2,974 |
| Cash dividends to net income (ytd only)* | 56.8983% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3548% | 251 |
| Loan loss allowance to noncurrent loans | 7,765.4762% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,603 |
| Noncurrent loans to loans | 0.0303% | 3,586 |
| Net loans and leases to total assets | 72.0800% | 1,596 |
| Net loans and leases to deposits | 83.8659% | 1,831 |
| Net loans and leases to core deposits | 87.6568% | 2,310 |
| Total domestic deposits to total assets | 85.9500% | 1,951 |
| Equity capital to assets | 12.3745% | 1,144 |
| Core capital (leverage) ratio | 12.6823% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $381,626,000 | 2,094 |
| Average earning assets | $363,276,250 | 2,061 |
| Average equity | $44,536,750 | 1,853 |
| Average total loans | $280,848,750 | 1,918 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 860 |
| Cost of funding earning assets | 0.7914% | 4,192 |
| Net interest margin | 5.4639% | 195 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.8982% | 1,258 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 2.6721% | 203 |
| Return on assets (ROA) | 2.6721% | 205 |
| Pretax return on assets | 2.7502% | 265 |
| Return on Equity (ROE) | 23.3600% | 277 |
| Retained earnings to average equity (ytd only) | 11.1107% | 674 |
| Net charge-offs to loans | -0.0170% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.4582% | 3,988 |
| Assets per employee ($millions) | 5.8148% | 2,956 |
| Cash dividends to net income (ytd only)* | 52.4283% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2790% | 290 |
| Loan loss allowance to noncurrent loans | 4,109.5541% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,399 |
| Noncurrent loans to loans | 0.0555% | 3,383 |
| Net loans and leases to total assets | 73.2000% | 1,511 |
| Net loans and leases to deposits | 84.5396% | 1,787 |
| Net loans and leases to core deposits | 87.9579% | 2,266 |
| Total domestic deposits to total assets | 86.5800% | 1,796 |
| Equity capital to assets | 11.9335% | 1,188 |
| Core capital (leverage) ratio | 12.5032% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $383,749,667 | 2,081 |
| Average earning assets | $365,671,667 | 2,049 |
| Average equity | $43,903,667 | 1,850 |
| Average total loans | $282,128,667 | 1,902 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2182% | 830 |
| Cost of funding earning assets | 0.8056% | 4,166 |
| Net interest margin | 5.4126% | 204 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.9950% | 1,098 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 2.5119% | 243 |
| Return on assets (ROA) | 2.5119% | 243 |
| Pretax return on assets | 2.5895% | 314 |
| Return on Equity (ROE) | 22.4300% | 314 |
| Retained earnings to average equity (ytd only) | 11.9067% | 753 |
| Net charge-offs to loans | -0.0170% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.7322% | 3,847 |
| Assets per employee ($millions) | 5.7593% | 3,029 |
| Cash dividends to net income (ytd only)* | 46.9110% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 259 |
| Loan loss allowance to noncurrent loans | 6,286.1386% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,554 |
| Noncurrent loans to loans | 0.0360% | 3,513 |
| Net loans and leases to total assets | 73.3500% | 1,416 |
| Net loans and leases to deposits | 84.4450% | 1,676 |
| Net loans and leases to core deposits | 87.5627% | 2,202 |
| Total domestic deposits to total assets | 86.8600% | 1,826 |
| Equity capital to assets | 11.7290% | 1,208 |
| Core capital (leverage) ratio | 11.9443% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $386,644,500 | 2,079 |
| Average earning assets | $368,920,000 | 2,046 |
| Average equity | $43,303,500 | 1,856 |
| Average total loans | $281,640,000 | 1,904 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5198% | 1,130 |
| Cost of funding earning assets | 0.6095% | 4,057 |
| Net interest margin | 4.9103% | 356 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.6515% | 1,868 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.3455% | 282 |
| Return on assets (ROA) | 2.3128% | 288 |
| Pretax return on assets | 2.4077% | 375 |
| Return on Equity (ROE) | 23.6500% | 366 |
| Retained earnings to average equity (ytd only) | 10.1695% | 972 |
| Net charge-offs to loans | 0.0043% | 2,578 |
| Credit loss provision to net charge-offs | 6,116.6667% | 86 |
| Earnings coverage of net charge-offs (x) | 904.1667% | 166 |
| Efficiency ratio | 49.9862% | 3,982 |
| Assets per employee ($millions) | 6.1374% | 2,702 |
| Cash dividends to net income (ytd only)* | 56.9933% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 274 |
| Loan loss allowance to noncurrent loans | 5,677.2727% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,495 |
| Noncurrent loans to loans | 0.0390% | 3,445 |
| Net loans and leases to total assets | 69.2100% | 1,899 |
| Net loans and leases to deposits | 78.6629% | 2,216 |
| Net loans and leases to core deposits | 81.3739% | 2,629 |
| Total domestic deposits to total assets | 87.9900% | 1,363 |
| Equity capital to assets | 10.7033% | 1,631 |
| Core capital (leverage) ratio | 11.1928% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $408,980,200 | 1,984 |
| Average earning assets | $391,932,000 | 1,945 |
| Average equity | $40,001,800 | 1,888 |
| Average total loans | $282,248,200 | 1,863 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 1,104 |
| Cost of funding earning assets | 0.5673% | 4,034 |
| Net interest margin | 4.8516% | 382 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.6193% | 1,880 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 2.2366% | 355 |
| Return on assets (ROA) | 2.1942% | 374 |
| Pretax return on assets | 2.3222% | 471 |
| Return on Equity (ROE) | 22.9600% | 493 |
| Retained earnings to average equity (ytd only) | 9.2791% | 1,612 |
| Net charge-offs to loans | -0.0128% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4053% | 3,883 |
| Assets per employee ($millions) | 6.0246% | 2,734 |
| Cash dividends to net income (ytd only)* | 59.5836% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 329 |
| Loan loss allowance to noncurrent loans | 4,018.5430% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,414 |
| Noncurrent loans to loans | 0.0529% | 3,372 |
| Net loans and leases to total assets | 71.2700% | 1,656 |
| Net loans and leases to deposits | 80.7114% | 1,990 |
| Net loans and leases to core deposits | 82.6654% | 2,426 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 10.3461% | 1,618 |
| Core capital (leverage) ratio | 11.0103% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $411,491,750 | 1,981 |
| Average earning assets | $394,578,500 | 1,925 |
| Average equity | $39,327,500 | 1,896 |
| Average total loans | $282,220,750 | 1,864 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 1,309 |
| Cost of funding earning assets | 0.4075% | 4,153 |
| Net interest margin | 4.7281% | 437 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.5251% | 2,134 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.2458% | 332 |
| Return on assets (ROA) | 2.1826% | 356 |
| Pretax return on assets | 2.3046% | 468 |
| Return on Equity (ROE) | 23.4400% | 463 |
| Retained earnings to average equity (ytd only) | 10.1922% | 1,354 |
| Net charge-offs to loans | 0.0014% | 2,348 |
| Credit loss provision to net charge-offs | 15,150.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,695.0000% | 44 |
| Efficiency ratio | 49.4798% | 3,968 |
| Assets per employee ($millions) | 6.1645% | 2,572 |
| Cash dividends to net income (ytd only)* | 56.5198% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 369 |
| Loan loss allowance to noncurrent loans | 8,440.5797% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,667 |
| Noncurrent loans to loans | 0.0246% | 3,582 |
| Net loans and leases to total assets | 67.4400% | 2,017 |
| Net loans and leases to deposits | 75.8322% | 2,327 |
| Net loans and leases to core deposits | 77.6289% | 2,649 |
| Total domestic deposits to total assets | 88.9400% | 1,283 |
| Equity capital to assets | 9.8467% | 1,946 |
| Core capital (leverage) ratio | 10.4280% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $418,123,333 | 1,959 |
| Average earning assets | $400,966,667 | 1,905 |
| Average equity | $38,931,667 | 1,912 |
| Average total loans | $281,235,333 | 1,857 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 1,349 |
| Cost of funding earning assets | 0.2019% | 4,376 |
| Net interest margin | 4.7373% | 416 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.6865% | 1,712 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 2.0710% | 447 |
| Return on assets (ROA) | 2.0710% | 440 |
| Pretax return on assets | 2.1418% | 623 |
| Return on Equity (ROE) | 22.8700% | 517 |
| Retained earnings to average equity (ytd only) | 10.9992% | 1,468 |
| Net charge-offs to loans | -0.0142% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3859% | 3,664 |
| Assets per employee ($millions) | 5.8313% | 2,909 |
| Cash dividends to net income (ytd only)* | 51.9143% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 469 |
| Loan loss allowance to noncurrent loans | 7,492.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,639 |
| Noncurrent loans to loans | 0.0262% | 3,580 |
| Net loans and leases to total assets | 66.7300% | 1,985 |
| Net loans and leases to deposits | 74.4517% | 2,261 |
| Net loans and leases to core deposits | 75.6532% | 2,558 |
| Total domestic deposits to total assets | 89.6200% | 1,292 |
| Equity capital to assets | 9.3214% | 2,281 |
| Core capital (leverage) ratio | 9.9077% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $423,756,000 | 1,962 |
| Average earning assets | $406,051,500 | 1,914 |
| Average equity | $38,366,500 | 1,946 |
| Average total loans | $281,740,500 | 1,875 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 1,409 |
| Cost of funding earning assets | 0.0704% | 4,507 |
| Net interest margin | 4.0585% | 717 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.5341% | 2,013 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.6176% | 660 |
| Return on assets (ROA) | 1.6176% | 633 |
| Pretax return on assets | 1.6930% | 937 |
| Return on Equity (ROE) | 18.2500% | 667 |
| Retained earnings to average equity (ytd only) | 9.2922% | 1,392 |
| Net charge-offs to loans | 0.0216% | 1,640 |
| Credit loss provision to net charge-offs | 1,357.8947% | 349 |
| Earnings coverage of net charge-offs (x) | 138.0351% | 834 |
| Efficiency ratio | 57.4381% | 3,412 |
| Assets per employee ($millions) | 5.4828% | 3,236 |
| Cash dividends to net income (ytd only)* | 49.0705% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 438 |
| Loan loss allowance to noncurrent loans | 8,243.2836% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,698 |
| Noncurrent loans to loans | 0.0241% | 3,621 |
| Net loans and leases to total assets | 63.6500% | 2,275 |
| Net loans and leases to deposits | 70.6681% | 2,525 |
| Net loans and leases to core deposits | 71.4907% | 2,760 |
| Total domestic deposits to total assets | 90.0600% | 1,338 |
| Equity capital to assets | 8.7913% | 2,497 |
| Core capital (leverage) ratio | 9.5158% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $419,012,000 | 1,961 |
| Average earning assets | $402,240,000 | 1,910 |
| Average equity | $37,149,400 | 2,030 |
| Average total loans | $264,338,200 | 1,878 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 1,413 |
| Cost of funding earning assets | 0.0643% | 4,508 |
| Net interest margin | 3.8639% | 862 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5521% | 1,855 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.4838% | 886 |
| Return on assets (ROA) | 1.4838% | 870 |
| Pretax return on assets | 1.4838% | 1,461 |
| Return on Equity (ROE) | 16.7000% | 856 |
| Retained earnings to average equity (ytd only) | 13.6759% | 513 |
| Net charge-offs to loans | -0.0194% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.4515% | 3,060 |
| Assets per employee ($millions) | 5.2377% | 3,469 |
| Cash dividends to net income (ytd only)* | 18.1074% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 554 |
| Loan loss allowance to noncurrent loans | 2,840.3141% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,435 |
| Noncurrent loans to loans | 0.0684% | 3,386 |
| Net loans and leases to total assets | 67.0000% | 1,787 |
| Net loans and leases to deposits | 74.8189% | 1,971 |
| Net loans and leases to core deposits | 75.5973% | 2,230 |
| Total domestic deposits to total assets | 89.5500% | 1,851 |
| Equity capital to assets | 9.1810% | 2,099 |
| Core capital (leverage) ratio | 9.9314% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $416,849,500 | 1,972 |
| Average earning assets | $400,314,750 | 1,926 |
| Average equity | $37,037,500 | 2,065 |
| Average total loans | $260,995,500 | 1,892 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 1,452 |
| Cost of funding earning assets | 0.0695% | 4,460 |
| Net interest margin | 3.6667% | 966 |
| Noninterest income to average assets | 0.5124% | 2,132 |
| Noninterest expense to average assets | 2.5294% | 1,838 |
| Loan and lease loss provision to assets | 0.1845% | 475 |
| Net operating income to assets | 1.3188% | 1,091 |
| Return on assets (ROA) | 1.3188% | 1,071 |
| Pretax return on assets | 1.3188% | 1,687 |
| Return on Equity (ROE) | 15.0052% | 891 |
| Retained earnings to average equity (ytd only) | 10.4499% | 914 |
| Net charge-offs to loans | -0.0243% | 3,964 |
| Credit loss provision to net charge-offs | -1,248.3871% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7231% | 2,952 |
| Assets per employee ($millions) | 5.4376% | 3,283 |
| Cash dividends to net income (ytd only)* | 30.3578% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 614 |
| Loan loss allowance to noncurrent loans | 1,435.1648% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,123 |
| Noncurrent loans to loans | 0.1352% | 3,031 |
| Net loans and leases to total assets | 62.2250% | 2,100 |
| Net loans and leases to deposits | 68.9221% | 2,310 |
| Net loans and leases to core deposits | 69.3884% | 2,535 |
| Total domestic deposits to total assets | 90.2830% | 1,586 |
| Equity capital to assets | 8.6119% | 2,683 |
| Core capital (leverage) ratio | 9.0871% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,619,667 | 1,979 |
| Average earning assets | $402,868,000 | 1,934 |
| Average equity | $36,880,667 | 2,119 |
| Average total loans | $254,942,000 | 1,923 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 1,644 |
| Cost of funding earning assets | 0.0739% | 4,415 |
| Net interest margin | 3.4754% | 1,136 |
| Noninterest income to average assets | 0.5185% | 2,051 |
| Noninterest expense to average assets | 2.4842% | 1,917 |
| Loan and lease loss provision to assets | 0.1859% | 406 |
| Net operating income to assets | 1.1846% | 1,286 |
| Return on assets (ROA) | 1.1846% | 1,285 |
| Pretax return on assets | 1.1846% | 1,862 |
| Return on Equity (ROE) | 13.3412% | 967 |
| Retained earnings to average equity (ytd only) | 9.8116% | 1,070 |
| Net charge-offs to loans | -0.0420% | 4,200 |
| Credit loss provision to net charge-offs | -746.1538% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4455% | 2,973 |
| Assets per employee ($millions) | 5.3152% | 3,473 |
| Cash dividends to net income (ytd only)* | 26.4563% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 633 |
| Loan loss allowance to noncurrent loans | 475.0473% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,122 |
| Noncurrent loans to loans | 0.4174% | 1,996 |
| Net loans and leases to total assets | 59.9287% | 2,078 |
| Net loans and leases to deposits | 66.4755% | 2,298 |
| Net loans and leases to core deposits | 66.9902% | 2,536 |
| Total domestic deposits to total assets | 90.1515% | 1,480 |
| Equity capital to assets | 8.8836% | 2,811 |
| Core capital (leverage) ratio | 9.1567% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,363,500 | 1,989 |
| Average earning assets | $400,639,000 | 1,953 |
| Average equity | $37,058,000 | 2,172 |
| Average total loans | $247,843,000 | 1,951 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 1,478 |
| Cost of funding earning assets | 0.1182% | 4,243 |
| Net interest margin | 3.8354% | 944 |
| Noninterest income to average assets | 0.6418% | 1,982 |
| Noninterest expense to average assets | 2.6225% | 1,818 |
| Loan and lease loss provision to assets | 0.2003% | 539 |
| Net operating income to assets | 1.4894% | 1,040 |
| Return on assets (ROA) | 1.4894% | 1,096 |
| Pretax return on assets | 1.4894% | 1,759 |
| Return on Equity (ROE) | 15.9775% | 768 |
| Retained earnings to average equity (ytd only) | 8.3205% | 1,419 |
| Net charge-offs to loans | -0.0098% | 3,738 |
| Credit loss provision to net charge-offs | -3,096.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8150% | 3,023 |
| Assets per employee ($millions) | 5.3865% | 3,374 |
| Cash dividends to net income (ytd only)* | 47.9235% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 619 |
| Loan loss allowance to noncurrent loans | 1,373.1429% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,359 |
| Noncurrent loans to loans | 0.1445% | 3,218 |
| Net loans and leases to total assets | 56.5044% | 2,539 |
| Net loans and leases to deposits | 62.8052% | 2,795 |
| Net loans and leases to core deposits | 63.4408% | 3,034 |
| Total domestic deposits to total assets | 89.9677% | 980 |
| Equity capital to assets | 8.8746% | 3,742 |
| Core capital (leverage) ratio | 9.4691% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,393,200 | 2,033 |
| Average earning assets | $369,763,800 | 2,004 |
| Average equity | $36,019,400 | 2,240 |
| Average total loans | $255,056,600 | 1,901 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 1,325 |
| Cost of funding earning assets | 0.1310% | 4,257 |
| Net interest margin | 3.9604% | 847 |
| Noninterest income to average assets | 0.6703% | 1,933 |
| Noninterest expense to average assets | 2.6828% | 1,633 |
| Loan and lease loss provision to assets | 0.2051% | 496 |
| Net operating income to assets | 1.5677% | 1,110 |
| Return on assets (ROA) | 1.5677% | 1,158 |
| Pretax return on assets | 1.5677% | 1,800 |
| Return on Equity (ROE) | 16.5959% | 834 |
| Retained earnings to average equity (ytd only) | 9.2764% | 1,583 |
| Net charge-offs to loans | -0.0124% | 3,763 |
| Credit loss provision to net charge-offs | -2,420.8333% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2138% | 2,955 |
| Assets per employee ($millions) | 4.9181% | 3,775 |
| Cash dividends to net income (ytd only)* | 44.1044% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 898 |
| Loan loss allowance to noncurrent loans | 659.9428% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,893 |
| Noncurrent loans to loans | 0.2752% | 2,813 |
| Net loans and leases to total assets | 65.0122% | 1,652 |
| Net loans and leases to deposits | 72.9512% | 1,966 |
| Net loans and leases to core deposits | 73.8812% | 2,253 |
| Total domestic deposits to total assets | 89.1174% | 1,220 |
| Equity capital to assets | 9.5620% | 3,320 |
| Core capital (leverage) ratio | 9.5217% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,955,500 | 2,095 |
| Average earning assets | $361,235,750 | 2,055 |
| Average equity | $35,702,750 | 2,287 |
| Average total loans | $258,269,250 | 1,919 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 1,450 |
| Cost of funding earning assets | 0.1414% | 4,270 |
| Net interest margin | 3.9095% | 955 |
| Noninterest income to average assets | 0.6829% | 1,880 |
| Noninterest expense to average assets | 2.6750% | 1,651 |
| Loan and lease loss provision to assets | 0.2058% | 538 |
| Net operating income to assets | 1.5380% | 1,196 |
| Return on assets (ROA) | 1.5380% | 1,261 |
| Pretax return on assets | 1.5380% | 1,906 |
| Return on Equity (ROE) | 16.3498% | 890 |
| Retained earnings to average equity (ytd only) | 10.4928% | 1,255 |
| Net charge-offs to loans | -0.0824% | 4,564 |
| Credit loss provision to net charge-offs | -361.6822% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5368% | 2,938 |
| Assets per employee ($millions) | 4.5663% | 4,056 |
| Cash dividends to net income (ytd only)* | 35.8230% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,070 |
| Loan loss allowance to noncurrent loans | 377.3680% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,343 |
| Noncurrent loans to loans | 0.4492% | 2,326 |
| Net loans and leases to total assets | 68.8844% | 1,341 |
| Net loans and leases to deposits | 77.2803% | 1,701 |
| Net loans and leases to core deposits | 78.3967% | 2,012 |
| Total domestic deposits to total assets | 89.1358% | 1,208 |
| Equity capital to assets | 9.5162% | 3,316 |
| Core capital (leverage) ratio | 9.5899% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,070,333 | 2,089 |
| Average earning assets | $359,379,667 | 2,059 |
| Average equity | $35,376,667 | 2,295 |
| Average total loans | $259,690,000 | 1,914 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 1,345 |
| Cost of funding earning assets | 0.1564% | 4,260 |
| Net interest margin | 3.9625% | 894 |
| Noninterest income to average assets | 0.6887% | 1,901 |
| Noninterest expense to average assets | 2.5328% | 2,079 |
| Loan and lease loss provision to assets | 0.2072% | 581 |
| Net operating income to assets | 1.7352% | 889 |
| Return on assets (ROA) | 1.7352% | 939 |
| Pretax return on assets | 1.7352% | 1,423 |
| Return on Equity (ROE) | 18.5547% | 665 |
| Retained earnings to average equity (ytd only) | 13.9646% | 759 |
| Net charge-offs to loans | -0.0561% | 4,439 |
| Credit loss provision to net charge-offs | -538.8889% | 3,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5975% | 3,477 |
| Assets per employee ($millions) | 4.6036% | 4,013 |
| Cash dividends to net income (ytd only)* | 24.7385% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,240 |
| Loan loss allowance to noncurrent loans | 372.7353% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 2,634 |
| Noncurrent loans to loans | 0.4344% | 2,557 |
| Net loans and leases to total assets | 68.2104% | 1,502 |
| Net loans and leases to deposits | 76.4285% | 1,858 |
| Net loans and leases to core deposits | 77.6281% | 2,216 |
| Total domestic deposits to total assets | 89.2472% | 1,204 |
| Equity capital to assets | 9.3914% | 3,296 |
| Core capital (leverage) ratio | 9.4982% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,602,500 | 2,083 |
| Average earning assets | $357,956,500 | 2,049 |
| Average equity | $35,031,500 | 2,302 |
| Average total loans | $256,746,000 | 1,929 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 1,081 |
| Cost of funding earning assets | 0.3377% | 3,934 |
| Net interest margin | 4.2736% | 539 |
| Noninterest income to average assets | 1.3424% | 647 |
| Noninterest expense to average assets | 3.5746% | 625 |
| Loan and lease loss provision to assets | 0.1691% | 2,272 |
| Net operating income to assets | 1.6230% | 612 |
| Return on assets (ROA) | 1.6407% | 630 |
| Pretax return on assets | 1.6407% | 979 |
| Return on Equity (ROE) | 15.8849% | 514 |
| Retained earnings to average equity (ytd only) | 8.3862% | 941 |
| Net charge-offs to loans | 0.0219% | 2,618 |
| Credit loss provision to net charge-offs | 1,092.0000% | 736 |
| Earnings coverage of net charge-offs (x) | 115.7400% | 721 |
| Efficiency ratio | 66.6070% | 2,429 |
| Assets per employee ($millions) | 4.8909% | 3,514 |
| Cash dividends to net income (ytd only)* | 47.2065% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 1,319 |
| Loan loss allowance to noncurrent loans | 485.2300% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,178 |
| Noncurrent loans to loans | 0.3281% | 3,028 |
| Net loans and leases to total assets | 66.6529% | 1,997 |
| Net loans and leases to deposits | 74.5548% | 2,431 |
| Net loans and leases to core deposits | 75.6239% | 2,760 |
| Total domestic deposits to total assets | 89.4012% | 808 |
| Equity capital to assets | 9.3113% | 3,777 |
| Core capital (leverage) ratio | 9.8347% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,918,200 | 2,173 |
| Average earning assets | $304,079,200 | 2,154 |
| Average equity | $33,352,400 | 2,322 |
| Average total loans | $228,497,000 | 2,043 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,041 |
| Cost of funding earning assets | 0.3438% | 4,091 |
| Net interest margin | 4.3670% | 502 |
| Noninterest income to average assets | 1.5774% | 480 |
| Noninterest expense to average assets | 3.7924% | 461 |
| Loan and lease loss provision to assets | 0.1699% | 2,297 |
| Net operating income to assets | 1.7087% | 563 |
| Return on assets (ROA) | 1.7314% | 600 |
| Pretax return on assets | 1.7314% | 905 |
| Return on Equity (ROE) | 16.2840% | 514 |
| Retained earnings to average equity (ytd only) | 9.2458% | 924 |
| Net charge-offs to loans | -0.0174% | 4,377 |
| Credit loss provision to net charge-offs | -1,365.5172% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8735% | 2,336 |
| Assets per employee ($millions) | 3.9130% | 4,393 |
| Cash dividends to net income (ytd only)* | 43.2218% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 1,161 |
| Loan loss allowance to noncurrent loans | 191.8616% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 1,832 |
| Noncurrent loans to loans | 0.8236% | 1,778 |
| Net loans and leases to total assets | 71.2104% | 1,786 |
| Net loans and leases to deposits | 80.4633% | 2,271 |
| Net loans and leases to core deposits | 81.7199% | 2,681 |
| Total domestic deposits to total assets | 88.5004% | 975 |
| Equity capital to assets | 9.9235% | 3,294 |
| Core capital (leverage) ratio | 10.0140% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,720,000 | 2,215 |
| Average earning assets | $291,270,750 | 2,211 |
| Average equity | $33,037,750 | 2,323 |
| Average total loans | $222,680,250 | 2,088 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 918 |
| Cost of funding earning assets | 0.3822% | 4,117 |
| Net interest margin | 4.5532% | 449 |
| Noninterest income to average assets | 1.6193% | 397 |
| Noninterest expense to average assets | 3.9825% | 410 |
| Loan and lease loss provision to assets | 0.1643% | 2,360 |
| Net operating income to assets | 1.7201% | 602 |
| Return on assets (ROA) | 1.7555% | 604 |
| Pretax return on assets | 1.7555% | 881 |
| Return on Equity (ROE) | 16.0992% | 548 |
| Retained earnings to average equity (ytd only) | 11.2676% | 570 |
| Net charge-offs to loans | -0.0664% | 4,753 |
| Credit loss provision to net charge-offs | -346.4789% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8807% | 2,248 |
| Assets per employee ($millions) | 3.6370% | 4,583 |
| Cash dividends to net income (ytd only)* | 30.0114% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,057 |
| Loan loss allowance to noncurrent loans | 260.1223% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 2,365 |
| Noncurrent loans to loans | 0.6071% | 2,332 |
| Net loans and leases to total assets | 72.9054% | 1,569 |
| Net loans and leases to deposits | 82.7315% | 2,118 |
| Net loans and leases to core deposits | 84.7120% | 2,556 |
| Total domestic deposits to total assets | 88.1228% | 1,116 |
| Equity capital to assets | 10.3118% | 2,917 |
| Core capital (leverage) ratio | 10.7734% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5879% | 1,344 |
| Memoranda: | ||
| Average total assets | $299,512,333 | 2,260 |
| Average earning assets | $279,409,000 | 2,254 |
| Average equity | $32,660,000 | 2,330 |
| Average total loans | $213,858,667 | 2,132 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 887 |
| Cost of funding earning assets | 0.4292% | 4,240 |
| Net interest margin | 4.6150% | 399 |
| Noninterest income to average assets | 1.7535% | 310 |
| Noninterest expense to average assets | 3.8753% | 574 |
| Loan and lease loss provision to assets | 0.1345% | 2,049 |
| Net operating income to assets | 2.0056% | 263 |
| Return on assets (ROA) | 2.0154% | 288 |
| Pretax return on assets | 2.0154% | 433 |
| Return on Equity (ROE) | 17.9242% | 273 |
| Retained earnings to average equity (ytd only) | 12.9916% | 324 |
| Net charge-offs to loans | 0.0682% | 1,344 |
| Credit loss provision to net charge-offs | 282.3529% | 1,219 |
| Earnings coverage of net charge-offs (x) | 44.9412% | 967 |
| Efficiency ratio | 64.4237% | 3,170 |
| Assets per employee ($millions) | 3.3288% | 4,621 |
| Cash dividends to net income (ytd only)* | 27.5191% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 781 |
| Loan loss allowance to noncurrent loans | 236.5983% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 2,268 |
| Noncurrent loans to loans | 0.7408% | 2,152 |
| Net loans and leases to total assets | 69.1911% | 2,371 |
| Net loans and leases to deposits | 79.6815% | 2,713 |
| Net loans and leases to core deposits | 82.7028% | 2,960 |
| Total domestic deposits to total assets | 86.8346% | 1,631 |
| Equity capital to assets | 11.3077% | 2,587 |
| Core capital (leverage) ratio | 11.4157% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1203% | 1,322 |
| Memoranda: | ||
| Average total assets | $285,601,500 | 2,286 |
| Average earning assets | $263,750,500 | 2,299 |
| Average equity | $32,113,000 | 2,348 |
| Average total loans | $199,551,500 | 2,188 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 1,005 |
| Cost of funding earning assets | 0.4833% | 4,159 |
| Net interest margin | 4.7122% | 458 |
| Noninterest income to average assets | 1.2745% | 582 |
| Noninterest expense to average assets | 4.1012% | 470 |
| Loan and lease loss provision to assets | 0.0925% | 2,184 |
| Net operating income to assets | 1.4507% | 1,187 |
| Return on assets (ROA) | 1.4522% | 1,242 |
| Pretax return on assets | 1.4522% | 1,974 |
| Return on Equity (ROE) | 13.2214% | 1,105 |
| Retained earnings to average equity (ytd only) | 6.8590% | 1,450 |
| Net charge-offs to loans | 0.3260% | 636 |
| Credit loss provision to net charge-offs | 40.3785% | 3,199 |
| Earnings coverage of net charge-offs (x) | 6.7397% | 2,940 |
| Efficiency ratio | 72.6598% | 1,778 |
| Assets per employee ($millions) | 3.1999% | 4,701 |
| Cash dividends to net income (ytd only)* | 48.1224% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 661 |
| Loan loss allowance to noncurrent loans | 275.6672% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 1,996 |
| Noncurrent loans to loans | 0.6528% | 2,258 |
| Net loans and leases to total assets | 68.0527% | 2,673 |
| Net loans and leases to deposits | 77.9728% | 3,007 |
| Net loans and leases to core deposits | 81.0007% | 3,211 |
| Total domestic deposits to total assets | 87.2775% | 1,467 |
| Equity capital to assets | 11.1785% | 2,834 |
| Core capital (leverage) ratio | 11.6600% | 1,992 |
| Tier 1 risk-based capital ratio | 16.3483% | 2,272 |
| Total risk-based capital ratio | 17.6054% | 2,216 |
| Memoranda: | ||
| Average total assets | $276,896,600 | 2,293 |
| Average earning assets | $256,779,000 | 2,294 |
| Average equity | $30,412,800 | 2,368 |
| Average total loans | $194,502,800 | 2,203 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 1,015 |
| Cost of funding earning assets | 0.4944% | 4,160 |
| Net interest margin | 4.7200% | 476 |
| Noninterest income to average assets | 1.3753% | 489 |
| Noninterest expense to average assets | 4.1050% | 471 |
| Loan and lease loss provision to assets | 0.0774% | 2,357 |
| Net operating income to assets | 1.5832% | 973 |
| Return on assets (ROA) | 1.5837% | 1,019 |
| Pretax return on assets | 1.5837% | 1,688 |
| Return on Equity (ROE) | 14.4845% | 892 |
| Retained earnings to average equity (ytd only) | 9.1064% | 1,015 |
| Net charge-offs to loans | 0.2909% | 604 |
| Credit loss provision to net charge-offs | 37.7358% | 2,869 |
| Earnings coverage of net charge-offs (x) | 8.0990% | 2,687 |
| Efficiency ratio | 71.1985% | 1,940 |
| Assets per employee ($millions) | 2.8783% | 4,946 |
| Cash dividends to net income (ytd only)* | 37.1297% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 620 |
| Loan loss allowance to noncurrent loans | 184.0609% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 1,287 |
| Noncurrent loans to loans | 1.0019% | 1,591 |
| Net loans and leases to total assets | 72.1022% | 2,161 |
| Net loans and leases to deposits | 83.3262% | 2,527 |
| Net loans and leases to core deposits | 86.8891% | 2,830 |
| Total domestic deposits to total assets | 86.5300% | 1,755 |
| Equity capital to assets | 11.7530% | 2,456 |
| Core capital (leverage) ratio | 11.5666% | 2,171 |
| Tier 1 risk-based capital ratio | 16.5556% | 2,248 |
| Total risk-based capital ratio | 17.8139% | 2,172 |
| Memoranda: | ||
| Average total assets | $275,722,000 | 2,315 |
| Average earning assets | $256,464,500 | 2,306 |
| Average equity | $30,146,500 | 2,401 |
| Average total loans | $194,342,250 | 2,225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,159 |
| Cost of funding earning assets | 0.5337% | 3,960 |
| Net interest margin | 4.5917% | 631 |
| Noninterest income to average assets | 1.1918% | 602 |
| Noninterest expense to average assets | 3.9583% | 566 |
| Loan and lease loss provision to assets | 0.0460% | 2,898 |
| Net operating income to assets | 1.4583% | 1,268 |
| Return on assets (ROA) | 1.4583% | 1,324 |
| Pretax return on assets | 1.4583% | 2,003 |
| Return on Equity (ROE) | 13.6662% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.6777% | 1,133 |
| Net charge-offs to loans | -0.0754% | 4,946 |
| Credit loss provision to net charge-offs | -87.6712% | 3,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4619% | 1,852 |
| Assets per employee ($millions) | 3.2606% | 4,729 |
| Cash dividends to net income (ytd only)* | 36.5025% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 437 |
| Loan loss allowance to noncurrent loans | 178.2994% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 1,447 |
| Noncurrent loans to loans | 1.1446% | 1,421 |
| Net loans and leases to total assets | 66.5951% | 3,028 |
| Net loans and leases to deposits | 75.6938% | 3,361 |
| Net loans and leases to core deposits | 78.4347% | 3,546 |
| Total domestic deposits to total assets | 87.9796% | 1,110 |
| Equity capital to assets | 10.5744% | 3,453 |
| Core capital (leverage) ratio | 10.9117% | 2,678 |
| Tier 1 risk-based capital ratio | 15.9577% | 2,432 |
| Total risk-based capital ratio | 17.2184% | 2,370 |
| Memoranda: | ||
| Average total assets | $278,401,330 | 2,305 |
| Average earning assets | $258,943,000 | 2,303 |
| Average equity | $29,708,330 | 2,418 |
| Average total loans | $193,579,000 | 2,238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 1,318 |
| Cost of funding earning assets | 0.4897% | 4,109 |
| Net interest margin | 4.5210% | 710 |
| Noninterest income to average assets | 1.0598% | 716 |
| Noninterest expense to average assets | 3.9456% | 572 |
| Loan and lease loss provision to assets | 0.0470% | 2,707 |
| Net operating income to assets | 1.2550% | 1,865 |
| Return on assets (ROA) | 1.2550% | 1,913 |
| Pretax return on assets | 1.2550% | 2,607 |
| Return on Equity (ROE) | 11.7045% | 1,651 |
| Retained earnings to average equity (ytd only) | 8.1726% | 1,600 |
| Net charge-offs to loans | -0.0042% | 3,977 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1888% | 1,591 |
| Assets per employee ($millions) | 3.0962% | 4,916 |
| Cash dividends to net income (ytd only)* | 30.1754% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 447 |
| Loan loss allowance to noncurrent loans | 114.4982% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 744 |
| Noncurrent loans to loans | 1.7987% | 858 |
| Net loans and leases to total assets | 67.7367% | 2,791 |
| Net loans and leases to deposits | 77.1764% | 3,148 |
| Net loans and leases to core deposits | 80.2078% | 3,351 |
| Total domestic deposits to total assets | 87.7687% | 1,450 |
| Equity capital to assets | 10.7467% | 3,109 |
| Core capital (leverage) ratio | 10.9389% | 2,623 |
| Tier 1 risk-based capital ratio | 16.1791% | 2,366 |
| Total risk-based capital ratio | 17.4400% | 2,318 |
| Memoranda: | ||
| Average total assets | $272,506,500 | 2,360 |
| Average earning assets | $252,423,000 | 2,362 |
| Average equity | $29,219,500 | 2,453 |
| Average total loans | $191,729,000 | 2,272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 699 |
| Cost of funding earning assets | 0.3951% | 4,007 |
| Net interest margin | 4.8063% | 394 |
| Noninterest income to average assets | 0.9853% | 972 |
| Noninterest expense to average assets | 3.9850% | 543 |
| Loan and lease loss provision to assets | 0.1381% | 1,561 |
| Net operating income to assets | 1.2946% | 1,827 |
| Return on assets (ROA) | 1.2950% | 1,808 |
| Pretax return on assets | 1.2950% | 2,515 |
| Return on Equity (ROE) | 11.9643% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.1030% | 2,143 |
| Net charge-offs to loans | 0.0415% | 2,582 |
| Credit loss provision to net charge-offs | 454.4304% | 754 |
| Earnings coverage of net charge-offs (x) | 47.1392% | 1,175 |
| Efficiency ratio | 73.5549% | 1,697 |
| Assets per employee ($millions) | 3.0619% | 4,957 |
| Cash dividends to net income (ytd only)* | 48.9899% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 457 |
| Loan loss allowance to noncurrent loans | 161.8810% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1212% | 1,191 |
| Noncurrent loans to loans | 1.2459% | 1,276 |
| Net loans and leases to total assets | 70.1376% | 2,546 |
| Net loans and leases to deposits | 79.8699% | 2,968 |
| Net loans and leases to core deposits | 82.9307% | 3,186 |
| Total domestic deposits to total assets | 87.8148% | 1,384 |
| Equity capital to assets | 10.6978% | 2,988 |
| Core capital (leverage) ratio | 11.1812% | 2,371 |
| Tier 1 risk-based capital ratio | 15.8276% | 2,482 |
| Total risk-based capital ratio | 17.0878% | 2,401 |
| Memoranda: | ||
| Average total assets | $259,924,600 | 2,400 |
| Average earning assets | $239,704,200 | 2,411 |
| Average equity | $28,133,600 | 2,450 |
| Average total loans | $190,337,600 | 2,245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 649 |
| Cost of funding earning assets | 0.3414% | 4,240 |
| Net interest margin | 4.8408% | 345 |
| Noninterest income to average assets | 1.0359% | 890 |
| Noninterest expense to average assets | 3.8108% | 663 |
| Loan and lease loss provision to assets | 0.1398% | 1,430 |
| Net operating income to assets | 1.5479% | 1,069 |
| Return on assets (ROA) | 1.5484% | 1,072 |
| Pretax return on assets | 1.5484% | 1,736 |
| Return on Equity (ROE) | 14.2625% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.7406% | 1,326 |
| Net charge-offs to loans | 0.0583% | 1,987 |
| Credit loss provision to net charge-offs | 325.3012% | 965 |
| Earnings coverage of net charge-offs (x) | 39.2785% | 1,374 |
| Efficiency ratio | 69.3061% | 2,303 |
| Assets per employee ($millions) | 3.1046% | 4,962 |
| Cash dividends to net income (ytd only)* | 38.7161% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 539 |
| Loan loss allowance to noncurrent loans | 189.4711% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 1,363 |
| Noncurrent loans to loans | 1.0281% | 1,669 |
| Net loans and leases to total assets | 73.2889% | 2,116 |
| Net loans and leases to deposits | 83.7300% | 2,631 |
| Net loans and leases to core deposits | 87.1541% | 2,905 |
| Total domestic deposits to total assets | 87.5301% | 1,472 |
| Equity capital to assets | 11.0205% | 2,641 |
| Core capital (leverage) ratio | 11.0386% | 2,544 |
| Tier 1 risk-based capital ratio | 15.1907% | 2,795 |
| Total risk-based capital ratio | 16.4496% | 2,712 |
| Memoranda: | ||
| Average total assets | $257,543,500 | 2,434 |
| Average earning assets | $237,420,750 | 2,445 |
| Average equity | $27,960,750 | 2,458 |
| Average total loans | $189,703,250 | 2,258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 655 |
| Cost of funding earning assets | 0.2858% | 4,529 |
| Net interest margin | 4.8177% | 355 |
| Noninterest income to average assets | 0.9600% | 1,028 |
| Noninterest expense to average assets | 3.7596% | 699 |
| Loan and lease loss provision to assets | 0.1412% | 1,384 |
| Net operating income to assets | 1.5020% | 1,161 |
| Return on assets (ROA) | 1.5028% | 1,153 |
| Pretax return on assets | 1.5028% | 1,805 |
| Return on Equity (ROE) | 13.9129% | 1,094 |
| Retained earnings to average equity (ytd only) | 8.6639% | 1,334 |
| Net charge-offs to loans | -0.0085% | 4,270 |
| Credit loss provision to net charge-offs | -2,262.5000% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5872% | 2,382 |
| Assets per employee ($millions) | 3.2410% | 4,890 |
| Cash dividends to net income (ytd only)* | 37.7270% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 526 |
| Loan loss allowance to noncurrent loans | 174.4261% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,306 |
| Noncurrent loans to loans | 1.1434% | 1,534 |
| Net loans and leases to total assets | 70.2457% | 2,543 |
| Net loans and leases to deposits | 79.7549% | 2,977 |
| Net loans and leases to core deposits | 82.1107% | 3,231 |
| Total domestic deposits to total assets | 88.0770% | 1,337 |
| Equity capital to assets | 10.6083% | 3,021 |
| Core capital (leverage) ratio | 10.6790% | 2,835 |
| Tier 1 risk-based capital ratio | 15.3286% | 2,714 |
| Total risk-based capital ratio | 16.5882% | 2,646 |
| Memoranda: | ||
| Average total assets | $256,462,330 | 2,455 |
| Average earning assets | $236,503,330 | 2,459 |
| Average equity | $27,701,000 | 2,488 |
| Average total loans | $187,962,670 | 2,280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 658 |
| Cost of funding earning assets | 0.2617% | 4,639 |
| Net interest margin | 4.7689% | 364 |
| Noninterest income to average assets | 0.9166% | 1,108 |
| Noninterest expense to average assets | 3.6980% | 761 |
| Loan and lease loss provision to assets | 0.1461% | 1,271 |
| Net operating income to assets | 1.4725% | 1,140 |
| Return on assets (ROA) | 1.4741% | 1,137 |
| Pretax return on assets | 1.4741% | 1,747 |
| Return on Equity (ROE) | 13.5203% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.4065% | 1,686 |
| Net charge-offs to loans | -0.0150% | 4,417 |
| Credit loss provision to net charge-offs | -1,314.2857% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5548% | 2,562 |
| Assets per employee ($millions) | 3.3321% | 4,862 |
| Cash dividends to net income (ytd only)* | 37.8233% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 602 |
| Loan loss allowance to noncurrent loans | 141.7112% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 1,023 |
| Noncurrent loans to loans | 1.3767% | 1,302 |
| Net loans and leases to total assets | 72.6731% | 2,063 |
| Net loans and leases to deposits | 82.6678% | 2,529 |
| Net loans and leases to core deposits | 84.3373% | 2,947 |
| Total domestic deposits to total assets | 87.9098% | 1,673 |
| Equity capital to assets | 10.7666% | 2,808 |
| Core capital (leverage) ratio | 10.9627% | 2,480 |
| Tier 1 risk-based capital ratio | 14.9851% | 2,871 |
| Total risk-based capital ratio | 16.2443% | 2,798 |
| Memoranda: | ||
| Average total assets | $251,812,000 | 2,499 |
| Average earning assets | $232,338,500 | 2,514 |
| Average equity | $27,455,000 | 2,526 |
| Average total loans | $186,701,000 | 2,307 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 712 |
| Cost of funding earning assets | 0.2416% | 4,632 |
| Net interest margin | 4.7074% | 415 |
| Noninterest income to average assets | 0.8125% | 1,523 |
| Noninterest expense to average assets | 3.7919% | 701 |
| Loan and lease loss provision to assets | 0.1509% | 1,494 |
| Net operating income to assets | 1.1667% | 1,629 |
| Return on assets (ROA) | 1.1667% | 1,657 |
| Pretax return on assets | 1.1667% | 2,911 |
| Return on Equity (ROE) | 10.4842% | 1,682 |
| Retained earnings to average equity (ytd only) | 5.8920% | 1,601 |
| Net charge-offs to loans | 0.1129% | 1,930 |
| Credit loss provision to net charge-offs | 192.5134% | 1,411 |
| Earnings coverage of net charge-offs (x) | 16.8075% | 2,155 |
| Efficiency ratio | 74.2123% | 1,867 |
| Assets per employee ($millions) | 3.1273% | 5,103 |
| Cash dividends to net income (ytd only)* | 43.8017% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 565 |
| Loan loss allowance to noncurrent loans | 138.7779% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 770 |
| Noncurrent loans to loans | 1.4200% | 1,208 |
| Net loans and leases to total assets | 72.7063% | 2,133 |
| Net loans and leases to deposits | 83.0151% | 2,611 |
| Net loans and leases to core deposits | 85.1645% | 2,973 |
| Total domestic deposits to total assets | 87.5820% | 1,715 |
| Equity capital to assets | 11.0446% | 2,587 |
| Core capital (leverage) ratio | 11.4558% | 1,970 |
| Tier 1 risk-based capital ratio | 15.1499% | 2,771 |
| Total risk-based capital ratio | 16.4090% | 2,698 |
| Memoranda: | ||
| Average total assets | $238,535,800 | 2,572 |
| Average earning assets | $217,740,600 | 2,600 |
| Average equity | $26,544,600 | 2,572 |
| Average total loans | $165,595,600 | 2,469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 747 |
| Cost of funding earning assets | 0.2420% | 4,648 |
| Net interest margin | 4.6682% | 430 |
| Noninterest income to average assets | 0.8488% | 1,425 |
| Noninterest expense to average assets | 3.7223% | 749 |
| Loan and lease loss provision to assets | 0.1523% | 1,363 |
| Net operating income to assets | 1.2278% | 1,586 |
| Return on assets (ROA) | 1.2278% | 1,617 |
| Pretax return on assets | 1.2278% | 2,793 |
| Return on Equity (ROE) | 11.0117% | 1,693 |
| Retained earnings to average equity (ytd only) | 7.6632% | 1,363 |
| Net charge-offs to loans | 0.1770% | 1,190 |
| Credit loss provision to net charge-offs | 126.1682% | 1,926 |
| Earnings coverage of net charge-offs (x) | 11.4344% | 2,502 |
| Efficiency ratio | 72.9524% | 2,052 |
| Assets per employee ($millions) | 2.9578% | 5,292 |
| Cash dividends to net income (ytd only)* | 30.4087% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 609 |
| Loan loss allowance to noncurrent loans | 171.2396% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 874 |
| Noncurrent loans to loans | 1.1467% | 1,670 |
| Net loans and leases to total assets | 74.6769% | 1,808 |
| Net loans and leases to deposits | 86.0241% | 2,288 |
| Net loans and leases to core deposits | 88.2749% | 2,743 |
| Total domestic deposits to total assets | 86.8093% | 1,954 |
| Equity capital to assets | 11.7113% | 2,179 |
| Core capital (leverage) ratio | 10.2167% | 3,294 |
| Tier 1 risk-based capital ratio | 15.5586% | 2,686 |
| Total risk-based capital ratio | 16.8176% | 2,627 |
| Memoranda: | ||
| Average total assets | $236,406,500 | 2,612 |
| Average earning assets | $215,411,500 | 2,638 |
| Average equity | $26,359,250 | 2,607 |
| Average total loans | $161,186,000 | 2,549 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 1,014 |
| Cost of funding earning assets | 0.2406% | 4,634 |
| Net interest margin | 4.4813% | 590 |
| Noninterest income to average assets | 0.7627% | 1,715 |
| Noninterest expense to average assets | 3.6878% | 783 |
| Loan and lease loss provision to assets | 0.1517% | 1,326 |
| Net operating income to assets | 1.0045% | 2,408 |
| Return on assets (ROA) | 1.0045% | 2,447 |
| Pretax return on assets | 1.0045% | 3,554 |
| Return on Equity (ROE) | 9.1608% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.9032% | 2,775 |
| Net charge-offs to loans | 0.2854% | 711 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 6.1802% | 2,735 |
| Efficiency ratio | 76.1308% | 1,704 |
| Assets per employee ($millions) | 3.4021% | 4,857 |
| Cash dividends to net income (ytd only)* | 46.4765% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 500 |
| Loan loss allowance to noncurrent loans | 223.6340% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 775 |
| Noncurrent loans to loans | 0.9441% | 2,077 |
| Net loans and leases to total assets | 65.2055% | 3,230 |
| Net loans and leases to deposits | 74.3660% | 3,508 |
| Net loans and leases to core deposits | 75.8589% | 3,786 |
| Total domestic deposits to total assets | 87.6819% | 1,625 |
| Equity capital to assets | 10.9726% | 2,837 |
| Core capital (leverage) ratio | 10.8286% | 2,575 |
| Tier 1 risk-based capital ratio | 16.6044% | 2,279 |
| Total risk-based capital ratio | 17.8654% | 2,225 |
| Memoranda: | ||
| Average total assets | $237,320,670 | 2,621 |
| Average earning assets | $216,143,670 | 2,647 |
| Average equity | $26,024,000 | 2,631 |
| Average total loans | $155,585,330 | 2,626 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,165 |
| Cost of funding earning assets | 0.2315% | 4,700 |
| Net interest margin | 4.3577% | 691 |
| Noninterest income to average assets | 0.6105% | 2,369 |
| Noninterest expense to average assets | 3.6291% | 856 |
| Loan and lease loss provision to assets | 0.1531% | 1,206 |
| Net operating income to assets | 0.7976% | 3,230 |
| Return on assets (ROA) | 0.7976% | 3,285 |
| Pretax return on assets | 0.7976% | 4,118 |
| Return on Equity (ROE) | 7.2758% | 3,280 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,202 |
| Net charge-offs to loans | 0.0549% | 1,790 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 26.6190% | 1,297 |
| Efficiency ratio | 79.2425% | 1,457 |
| Assets per employee ($millions) | 3.5511% | 4,717 |
| Cash dividends to net income (ytd only)* | 67.8038% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 441 |
| Loan loss allowance to noncurrent loans | 130.2265% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 2.0369% | 646 |
| Noncurrent loans to loans | 1.7264% | 1,111 |
| Net loans and leases to total assets | 62.2316% | 3,507 |
| Net loans and leases to deposits | 70.6054% | 3,734 |
| Net loans and leases to core deposits | 71.7989% | 4,001 |
| Total domestic deposits to total assets | 88.1400% | 1,634 |
| Equity capital to assets | 10.5785% | 3,095 |
| Core capital (leverage) ratio | 11.0244% | 2,339 |
| Tier 1 risk-based capital ratio | 16.4992% | 2,362 |
| Total risk-based capital ratio | 17.7610% | 2,301 |
| Memoranda: | ||
| Average total assets | $235,207,500 | 2,655 |
| Average earning assets | $214,243,500 | 2,685 |
| Average equity | $25,784,000 | 2,665 |
| Average total loans | $152,928,500 | 2,661 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,133 |
| Cost of funding earning assets | 0.2478% | 4,588 |
| Net interest margin | 4.4170% | 747 |
| Noninterest income to average assets | 0.9688% | 1,216 |
| Noninterest expense to average assets | 3.5695% | 1,054 |
| Loan and lease loss provision to assets | 0.1325% | 1,881 |
| Net operating income to assets | 1.2361% | 1,392 |
| Return on assets (ROA) | 1.2599% | 1,408 |
| Pretax return on assets | 1.2599% | 2,437 |
| Return on Equity (ROE) | 11.3543% | 1,448 |
| Retained earnings to average equity (ytd only) | 6.6764% | 1,368 |
| Net charge-offs to loans | 0.5451% | 439 |
| Credit loss provision to net charge-offs | 36.5854% | 3,528 |
| Earnings coverage of net charge-offs (x) | 3.7780% | 3,610 |
| Efficiency ratio | 72.2848% | 2,552 |
| Assets per employee ($millions) | 3.2199% | 5,131 |
| Cash dividends to net income (ytd only)* | 41.1992% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 408 |
| Loan loss allowance to noncurrent loans | 135.2340% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2641% | 561 |
| Noncurrent loans to loans | 1.6968% | 1,141 |
| Net loans and leases to total assets | 64.9665% | 3,220 |
| Net loans and leases to deposits | 74.5086% | 3,466 |
| Net loans and leases to core deposits | 75.9131% | 3,755 |
| Total domestic deposits to total assets | 87.1933% | 2,028 |
| Equity capital to assets | 11.3794% | 2,261 |
| Core capital (leverage) ratio | 11.6194% | 1,846 |
| Tier 1 risk-based capital ratio | 16.8423% | 2,216 |
| Total risk-based capital ratio | 18.1047% | 2,158 |
| Memoranda: | ||
| Average total assets | $226,362,600 | 2,695 |
| Average earning assets | $203,419,800 | 2,757 |
| Average equity | $25,118,200 | 2,707 |
| Average total loans | $150,429,000 | 2,639 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,155 |
| Cost of funding earning assets | 0.2522% | 4,585 |
| Net interest margin | 4.4103% | 760 |
| Noninterest income to average assets | 0.9102% | 1,375 |
| Noninterest expense to average assets | 3.4656% | 1,210 |
| Loan and lease loss provision to assets | 0.1324% | 1,772 |
| Net operating income to assets | 1.2733% | 1,372 |
| Return on assets (ROA) | 1.3050% | 1,367 |
| Pretax return on assets | 1.3050% | 2,410 |
| Return on Equity (ROE) | 11.8358% | 1,378 |
| Retained earnings to average equity (ytd only) | 6.8731% | 1,689 |
| Net charge-offs to loans | 0.5083% | 421 |
| Credit loss provision to net charge-offs | 39.1986% | 3,155 |
| Earnings coverage of net charge-offs (x) | 4.1620% | 3,308 |
| Efficiency ratio | 71.1439% | 2,712 |
| Assets per employee ($millions) | 3.2273% | 5,134 |
| Cash dividends to net income (ytd only)* | 41.9297% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3559% | 402 |
| Loan loss allowance to noncurrent loans | 123.2503% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 2.6661% | 487 |
| Noncurrent loans to loans | 1.9115% | 1,041 |
| Net loans and leases to total assets | 68.1792% | 2,775 |
| Net loans and leases to deposits | 78.6253% | 3,117 |
| Net loans and leases to core deposits | 80.3959% | 3,408 |
| Total domestic deposits to total assets | 86.7140% | 2,025 |
| Equity capital to assets | 11.7226% | 2,323 |
| Core capital (leverage) ratio | 11.4040% | 2,110 |
| Tier 1 risk-based capital ratio | 16.1946% | 2,544 |
| Total risk-based capital ratio | 17.4574% | 2,494 |
| Memoranda: | ||
| Average total assets | $226,605,750 | 2,705 |
| Average earning assets | $203,518,250 | 2,765 |
| Average equity | $24,985,750 | 2,738 |
| Average total loans | $150,569,500 | 2,634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,361 |
| Cost of funding earning assets | 0.2547% | 4,611 |
| Net interest margin | 4.3041% | 917 |
| Noninterest income to average assets | 0.9223% | 1,308 |
| Noninterest expense to average assets | 3.3303% | 1,533 |
| Loan and lease loss provision to assets | 0.1310% | 1,742 |
| Net operating income to assets | 1.3136% | 1,240 |
| Return on assets (ROA) | 1.3608% | 1,211 |
| Pretax return on assets | 1.3608% | 2,160 |
| Return on Equity (ROE) | 12.5955% | 1,135 |
| Retained earnings to average equity (ytd only) | 7.2760% | 1,481 |
| Net charge-offs to loans | 0.7269% | 283 |
| Credit loss provision to net charge-offs | 27.5735% | 2,878 |
| Earnings coverage of net charge-offs (x) | 3.0404% | 3,174 |
| Efficiency ratio | 69.7457% | 3,022 |
| Assets per employee ($millions) | 3.4694% | 4,801 |
| Cash dividends to net income (ytd only)* | 42.2336% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 432 |
| Loan loss allowance to noncurrent loans | 119.7178% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.6230% | 505 |
| Noncurrent loans to loans | 1.9630% | 1,016 |
| Net loans and leases to total assets | 65.6704% | 3,125 |
| Net loans and leases to deposits | 75.1477% | 3,468 |
| Net loans and leases to core deposits | 76.6796% | 3,765 |
| Total domestic deposits to total assets | 87.3885% | 1,719 |
| Equity capital to assets | 11.1925% | 2,853 |
| Core capital (leverage) ratio | 11.1065% | 2,322 |
| Tier 1 risk-based capital ratio | 16.0382% | 2,623 |
| Total risk-based capital ratio | 17.3011% | 2,560 |
| Memoranda: | ||
| Average total assets | $228,988,670 | 2,686 |
| Average earning assets | $204,967,670 | 2,763 |
| Average equity | $24,739,000 | 2,769 |
| Average total loans | $149,681,330 | 2,652 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,205 |
| Cost of funding earning assets | 0.2561% | 4,640 |
| Net interest margin | 4.3671% | 800 |
| Noninterest income to average assets | 0.8287% | 1,521 |
| Noninterest expense to average assets | 3.2228% | 1,786 |
| Loan and lease loss provision to assets | 0.1300% | 1,625 |
| Net operating income to assets | 1.3782% | 1,082 |
| Return on assets (ROA) | 1.3782% | 1,140 |
| Pretax return on assets | 1.3782% | 1,971 |
| Return on Equity (ROE) | 12.9857% | 1,042 |
| Retained earnings to average equity (ytd only) | 7.2687% | 1,762 |
| Net charge-offs to loans | 1.4634% | 128 |
| Credit loss provision to net charge-offs | 13.7868% | 2,339 |
| Earnings coverage of net charge-offs (x) | 1.5993% | 2,796 |
| Efficiency ratio | 68.1202% | 3,448 |
| Assets per employee ($millions) | 3.7317% | 4,421 |
| Cash dividends to net income (ytd only)* | 44.0252% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3447% | 478 |
| Loan loss allowance to noncurrent loans | 100.2298% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.7904% | 484 |
| Noncurrent loans to loans | 2.3394% | 845 |
| Net loans and leases to total assets | 62.8069% | 3,414 |
| Net loans and leases to deposits | 71.3927% | 3,707 |
| Net loans and leases to core deposits | 72.6153% | 4,018 |
| Total domestic deposits to total assets | 87.9739% | 1,655 |
| Equity capital to assets | 10.7260% | 3,223 |
| Core capital (leverage) ratio | 10.6052% | 2,844 |
| Tier 1 risk-based capital ratio | 15.6100% | 2,855 |
| Total risk-based capital ratio | 16.8720% | 2,784 |
| Memoranda: | ||
| Average total assets | $230,729,000 | 2,687 |
| Average earning assets | $206,179,500 | 2,759 |
| Average equity | $24,488,500 | 2,790 |
| Average total loans | $148,694,000 | 2,672 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 1,536 |
| Cost of funding earning assets | 0.2833% | 4,440 |
| Net interest margin | 4.2361% | 1,087 |
| Noninterest income to average assets | 0.8870% | 1,475 |
| Noninterest expense to average assets | 3.2228% | 1,908 |
| Loan and lease loss provision to assets | 0.2215% | 925 |
| Net operating income to assets | 1.2654% | 1,352 |
| Return on assets (ROA) | 1.2663% | 1,398 |
| Pretax return on assets | 1.2663% | 2,412 |
| Return on Equity (ROE) | 12.0969% | 1,276 |
| Retained earnings to average equity (ytd only) | 5.0030% | 2,415 |
| Net charge-offs to loans | 0.0530% | 3,141 |
| Credit loss provision to net charge-offs | 649.3506% | 518 |
| Earnings coverage of net charge-offs (x) | 43.5844% | 1,093 |
| Efficiency ratio | 68.4290% | 3,487 |
| Assets per employee ($millions) | 3.7112% | 4,456 |
| Cash dividends to net income (ytd only)* | 58.6424% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6638% | 333 |
| Loan loss allowance to noncurrent loans | 112.2200% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.9171% | 459 |
| Noncurrent loans to loans | 2.3737% | 799 |
| Net loans and leases to total assets | 62.8562% | 3,439 |
| Net loans and leases to deposits | 71.3386% | 3,778 |
| Net loans and leases to core deposits | 72.3301% | 4,102 |
| Total domestic deposits to total assets | 88.1097% | 1,572 |
| Equity capital to assets | 10.5004% | 3,361 |
| Core capital (leverage) ratio | 10.7024% | 2,706 |
| Tier 1 risk-based capital ratio | 15.7013% | 2,829 |
| Total risk-based capital ratio | 16.9675% | 2,760 |
| Memoranda: | ||
| Average total assets | $225,703,200 | 2,700 |
| Average earning assets | $203,678,400 | 2,743 |
| Average equity | $23,625,800 | 2,820 |
| Average total loans | $145,334,200 | 2,663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 1,597 |
| Cost of funding earning assets | 0.2901% | 4,454 |
| Net interest margin | 4.2080% | 1,147 |
| Noninterest income to average assets | 0.9522% | 1,310 |
| Noninterest expense to average assets | 3.2524% | 1,816 |
| Loan and lease loss provision to assets | 0.2671% | 612 |
| Net operating income to assets | 1.2383% | 1,532 |
| Return on assets (ROA) | 1.2383% | 1,588 |
| Pretax return on assets | 1.2383% | 2,661 |
| Return on Equity (ROE) | 11.8392% | 1,419 |
| Retained earnings to average equity (ytd only) | 5.5393% | 2,554 |
| Net charge-offs to loans | 0.0498% | 2,904 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 46.9618% | 1,103 |
| Efficiency ratio | 68.3593% | 3,474 |
| Assets per employee ($millions) | 3.5853% | 4,636 |
| Cash dividends to net income (ytd only)* | 53.2119% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5992% | 380 |
| Loan loss allowance to noncurrent loans | 92.9331% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 3.3407% | 404 |
| Noncurrent loans to loans | 2.7969% | 667 |
| Net loans and leases to total assets | 66.2853% | 2,965 |
| Net loans and leases to deposits | 75.5783% | 3,355 |
| Net loans and leases to core deposits | 76.4715% | 3,746 |
| Total domestic deposits to total assets | 87.7041% | 1,704 |
| Equity capital to assets | 10.8437% | 3,199 |
| Core capital (leverage) ratio | 10.4470% | 3,107 |
| Tier 1 risk-based capital ratio | 15.3871% | 3,099 |
| Total risk-based capital ratio | 16.6528% | 3,017 |
| Memoranda: | ||
| Average total assets | $224,605,250 | 2,729 |
| Average earning assets | $203,130,000 | 2,767 |
| Average equity | $23,492,000 | 2,857 |
| Average total loans | $144,521,000 | 2,688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 1,896 |
| Cost of funding earning assets | 0.2939% | 4,456 |
| Net interest margin | 4.0934% | 1,369 |
| Noninterest income to average assets | 0.8404% | 1,633 |
| Noninterest expense to average assets | 3.2053% | 1,970 |
| Loan and lease loss provision to assets | 0.2662% | 627 |
| Net operating income to assets | 1.0773% | 2,024 |
| Return on assets (ROA) | 1.0773% | 2,129 |
| Pretax return on assets | 1.0773% | 3,273 |
| Return on Equity (ROE) | 10.4260% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.5651% | 2,496 |
| Net charge-offs to loans | 0.0759% | 2,305 |
| Credit loss provision to net charge-offs | 555.5556% | 583 |
| Earnings coverage of net charge-offs (x) | 28.0370% | 1,433 |
| Efficiency ratio | 70.4643% | 3,264 |
| Assets per employee ($millions) | 3.5775% | 4,661 |
| Cash dividends to net income (ytd only)* | 46.6227% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5422% | 465 |
| Loan loss allowance to noncurrent loans | 92.5147% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.1931% | 488 |
| Noncurrent loans to loans | 2.7479% | 774 |
| Net loans and leases to total assets | 63.3229% | 3,366 |
| Net loans and leases to deposits | 71.6639% | 3,749 |
| Net loans and leases to core deposits | 73.1747% | 4,027 |
| Total domestic deposits to total assets | 88.3608% | 1,460 |
| Equity capital to assets | 10.2795% | 3,710 |
| Core capital (leverage) ratio | 10.2273% | 3,302 |
| Tier 1 risk-based capital ratio | 14.9523% | 3,381 |
| Total risk-based capital ratio | 16.2162% | 3,313 |
| Memoranda: | ||
| Average total assets | $225,378,330 | 2,747 |
| Average earning assets | $204,182,670 | 2,766 |
| Average equity | $23,288,000 | 2,888 |
| Average total loans | $142,269,670 | 2,726 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,366 |
| Cost of funding earning assets | 0.2884% | 4,566 |
| Net interest margin | 3.9369% | 1,763 |
| Noninterest income to average assets | 0.7836% | 1,767 |
| Noninterest expense to average assets | 3.2721% | 1,787 |
| Loan and lease loss provision to assets | 0.2684% | 586 |
| Net operating income to assets | 0.8086% | 3,216 |
| Return on assets (ROA) | 0.8086% | 3,337 |
| Pretax return on assets | 0.8086% | 4,206 |
| Return on Equity (ROE) | 7.8052% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.0926% | 3,549 |
| Net charge-offs to loans | 0.1208% | 1,541 |
| Credit loss provision to net charge-offs | 357.1429% | 718 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,676 |
| Efficiency ratio | 75.2365% | 2,623 |
| Assets per employee ($millions) | 3.6469% | 4,611 |
| Cash dividends to net income (ytd only)* | 47.5664% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6234% | 449 |
| Loan loss allowance to noncurrent loans | 87.0698% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 3.6195% | 447 |
| Noncurrent loans to loans | 3.0130% | 719 |
| Net loans and leases to total assets | 59.8039% | 3,681 |
| Net loans and leases to deposits | 67.6682% | 3,987 |
| Net loans and leases to core deposits | 69.0218% | 4,240 |
| Total domestic deposits to total assets | 88.3782% | 1,607 |
| Equity capital to assets | 10.3450% | 3,727 |
| Core capital (leverage) ratio | 10.5061% | 2,954 |
| Tier 1 risk-based capital ratio | 15.4128% | 3,191 |
| Total risk-based capital ratio | 16.6771% | 3,120 |
| Memoranda: | ||
| Average total assets | $223,587,500 | 2,774 |
| Average earning assets | $202,496,000 | 2,806 |
| Average equity | $23,164,000 | 2,918 |
| Average total loans | $139,021,500 | 2,766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 1,442 |
| Cost of funding earning assets | 0.3099% | 4,686 |
| Net interest margin | 4.3308% | 1,003 |
| Noninterest income to average assets | 0.7993% | 1,880 |
| Noninterest expense to average assets | 3.2332% | 2,118 |
| Loan and lease loss provision to assets | 0.2849% | 739 |
| Net operating income to assets | 1.1635% | 1,700 |
| Return on assets (ROA) | 1.2490% | 1,500 |
| Pretax return on assets | 1.2490% | 2,443 |
| Return on Equity (ROE) | 11.7082% | 1,492 |
| Retained earnings to average equity (ytd only) | 4.6477% | 2,862 |
| Net charge-offs to loans | 0.0436% | 3,953 |
| Credit loss provision to net charge-offs | 1,016.9492% | 266 |
| Earnings coverage of net charge-offs (x) | 51.6949% | 909 |
| Efficiency ratio | 69.0607% | 3,698 |
| Assets per employee ($millions) | 3.6240% | 4,678 |
| Cash dividends to net income (ytd only)* | 60.3042% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 525 |
| Loan loss allowance to noncurrent loans | 79.9774% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 475 |
| Noncurrent loans to loans | 3.1758% | 689 |
| Net loans and leases to total assets | 61.3586% | 3,590 |
| Net loans and leases to deposits | 69.5584% | 3,971 |
| Net loans and leases to core deposits | 70.9667% | 4,222 |
| Total domestic deposits to total assets | 88.2117% | 1,655 |
| Equity capital to assets | 10.3756% | 3,634 |
| Core capital (leverage) ratio | 11.2442% | 2,179 |
| Tier 1 risk-based capital ratio | 16.3241% | 2,801 |
| Total risk-based capital ratio | 17.5897% | 2,735 |
| Memoranda: | ||
| Average total assets | $210,566,000 | 2,873 |
| Average earning assets | $188,763,000 | 2,920 |
| Average equity | $22,462,800 | 2,905 |
| Average total loans | $135,298,200 | 2,772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 1,434 |
| Cost of funding earning assets | 0.3199% | 4,672 |
| Net interest margin | 4.3283% | 993 |
| Noninterest income to average assets | 0.9246% | 1,439 |
| Noninterest expense to average assets | 3.2861% | 1,934 |
| Loan and lease loss provision to assets | 0.2885% | 694 |
| Net operating income to assets | 1.2189% | 1,612 |
| Return on assets (ROA) | 1.3343% | 1,334 |
| Pretax return on assets | 1.3343% | 2,259 |
| Return on Equity (ROE) | 12.4175% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.9516% | 1,842 |
| Net charge-offs to loans | 0.0149% | 4,259 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 156.7295% | 396 |
| Efficiency ratio | 68.5527% | 3,755 |
| Assets per employee ($millions) | 3.2693% | 5,287 |
| Cash dividends to net income (ytd only)* | 44.0172% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4188% | 712 |
| Loan loss allowance to noncurrent loans | 79.3247% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 4.3545% | 432 |
| Noncurrent loans to loans | 3.0492% | 869 |
| Net loans and leases to total assets | 69.3868% | 2,292 |
| Net loans and leases to deposits | 79.7267% | 2,733 |
| Net loans and leases to core deposits | 81.5439% | 3,146 |
| Total domestic deposits to total assets | 87.0308% | 2,306 |
| Equity capital to assets | 11.4719% | 2,509 |
| Core capital (leverage) ratio | 11.3556% | 2,171 |
| Tier 1 risk-based capital ratio | 15.9317% | 3,086 |
| Total risk-based capital ratio | 17.1955% | 3,029 |
| Memoranda: | ||
| Average total assets | $207,941,000 | 2,923 |
| Average earning assets | $185,873,500 | 2,985 |
| Average equity | $22,344,250 | 2,918 |
| Average total loans | $134,328,250 | 2,800 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,713 |
| Cost of funding earning assets | 0.3212% | 4,744 |
| Net interest margin | 4.2141% | 1,206 |
| Noninterest income to average assets | 0.8322% | 1,726 |
| Noninterest expense to average assets | 3.1474% | 2,339 |
| Loan and lease loss provision to assets | 0.2847% | 710 |
| Net operating income to assets | 1.1718% | 1,681 |
| Return on assets (ROA) | 1.2876% | 1,401 |
| Pretax return on assets | 1.2876% | 2,306 |
| Return on Equity (ROE) | 12.2438% | 1,358 |
| Retained earnings to average equity (ytd only) | 7.8588% | 1,381 |
| Net charge-offs to loans | 0.0091% | 4,093 |
| Credit loss provision to net charge-offs | 5,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 255.8333% | 263 |
| Efficiency ratio | 68.3636% | 3,943 |
| Assets per employee ($millions) | 3.2387% | 5,360 |
| Cash dividends to net income (ytd only)* | 35.8143% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4438% | 773 |
| Loan loss allowance to noncurrent loans | 295.6835% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 2.6823% | 1,001 |
| Noncurrent loans to loans | 0.8265% | 3,640 |
| Net loans and leases to total assets | 64.3281% | 3,026 |
| Net loans and leases to deposits | 73.5137% | 3,386 |
| Net loans and leases to core deposits | 74.9271% | 3,738 |
| Total domestic deposits to total assets | 87.5049% | 2,196 |
| Equity capital to assets | 11.1037% | 2,783 |
| Core capital (leverage) ratio | 10.8983% | 2,532 |
| Tier 1 risk-based capital ratio | 16.6047% | 2,780 |
| Total risk-based capital ratio | 17.8692% | 2,742 |
| Memoranda: | ||
| Average total assets | $210,779,000 | 2,904 |
| Average earning assets | $188,654,000 | 2,971 |
| Average equity | $22,166,330 | 2,930 |
| Average total loans | $131,835,670 | 2,841 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,319 |
| Cost of funding earning assets | 0.3180% | 4,886 |
| Net interest margin | 4.0341% | 1,648 |
| Noninterest income to average assets | 0.7882% | 1,803 |
| Noninterest expense to average assets | 3.1511% | 2,374 |
| Loan and lease loss provision to assets | 0.2802% | 728 |
| Net operating income to assets | 0.9825% | 2,277 |
| Return on assets (ROA) | 0.9825% | 2,334 |
| Pretax return on assets | 0.9825% | 3,398 |
| Return on Equity (ROE) | 9.5979% | 2,202 |
| Retained earnings to average equity (ytd only) | 6.0580% | 2,507 |
| Net charge-offs to loans | -0.0368% | 5,676 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3923% | 3,594 |
| Assets per employee ($millions) | 3.2987% | 5,345 |
| Cash dividends to net income (ytd only)* | 36.8821% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4308% | 874 |
| Loan loss allowance to noncurrent loans | 249.1713% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6696% | 1,148 |
| Noncurrent loans to loans | 0.9755% | 3,475 |
| Net loans and leases to total assets | 59.0993% | 3,684 |
| Net loans and leases to deposits | 66.8356% | 3,992 |
| Net loans and leases to core deposits | 68.0422% | 4,302 |
| Total domestic deposits to total assets | 88.4249% | 1,980 |
| Equity capital to assets | 10.3252% | 3,431 |
| Core capital (leverage) ratio | 10.4707% | 2,968 |
| Tier 1 risk-based capital ratio | 17.0941% | 2,645 |
| Total risk-based capital ratio | 18.3582% | 2,589 |
| Memoranda: | ||
| Average total assets | $214,148,500 | 2,888 |
| Average earning assets | $192,458,000 | 2,940 |
| Average equity | $21,921,500 | 2,946 |
| Average total loans | $130,482,000 | 2,869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 1,716 |
| Cost of funding earning assets | 0.3418% | 5,226 |
| Net interest margin | 4.3084% | 1,090 |
| Noninterest income to average assets | 0.5009% | 3,751 |
| Noninterest expense to average assets | 3.2681% | 2,227 |
| Loan and lease loss provision to assets | 0.2686% | 1,314 |
| Net operating income to assets | 0.8025% | 3,281 |
| Return on assets (ROA) | 0.8025% | 3,381 |
| Pretax return on assets | 0.8025% | 4,131 |
| Return on Equity (ROE) | 7.6992% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.0845% | 3,274 |
| Net charge-offs to loans | 0.1082% | 3,748 |
| Credit loss provision to net charge-offs | 401.4493% | 564 |
| Earnings coverage of net charge-offs (x) | 16.0072% | 1,831 |
| Efficiency ratio | 75.3157% | 2,894 |
| Assets per employee ($millions) | 3.3949% | 5,103 |
| Cash dividends to net income (ytd only)* | 46.9486% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,059 |
| Loan loss allowance to noncurrent loans | 241.4516% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 2.7207% | 1,224 |
| Noncurrent loans to loans | 0.9459% | 3,625 |
| Net loans and leases to total assets | 59.8906% | 3,740 |
| Net loans and leases to deposits | 67.5833% | 4,111 |
| Net loans and leases to core deposits | 68.8037% | 4,421 |
| Total domestic deposits to total assets | 88.6174% | 1,849 |
| Equity capital to assets | 10.1477% | 3,572 |
| Core capital (leverage) ratio | 10.8619% | 2,516 |
| Tier 1 risk-based capital ratio | 16.6568% | 2,781 |
| Total risk-based capital ratio | 17.9194% | 2,731 |
| Memoranda: | ||
| Average total assets | $206,236,800 | 2,957 |
| Average earning assets | $183,735,600 | 3,031 |
| Average equity | $21,495,800 | 2,986 |
| Average total loans | $127,491,400 | 2,898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,709 |
| Cost of funding earning assets | 0.3533% | 5,263 |
| Net interest margin | 4.3100% | 1,071 |
| Noninterest income to average assets | 0.5762% | 3,295 |
| Noninterest expense to average assets | 3.3142% | 2,041 |
| Loan and lease loss provision to assets | 0.3615% | 879 |
| Net operating income to assets | 0.7295% | 3,707 |
| Return on assets (ROA) | 0.7295% | 3,830 |
| Pretax return on assets | 0.7295% | 4,580 |
| Return on Equity (ROE) | 6.9513% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.2208% | 4,383 |
| Net charge-offs to loans | 0.1548% | 3,002 |
| Credit loss provision to net charge-offs | 376.8707% | 702 |
| Earnings coverage of net charge-offs (x) | 11.3739% | 2,254 |
| Efficiency ratio | 75.2333% | 2,860 |
| Assets per employee ($millions) | 3.0875% | 5,701 |
| Cash dividends to net income (ytd only)* | 53.6672% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 1,201 |
| Loan loss allowance to noncurrent loans | 219.1630% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 3.4757% | 980 |
| Noncurrent loans to loans | 1.0437% | 3,714 |
| Net loans and leases to total assets | 64.5314% | 2,916 |
| Net loans and leases to deposits | 73.5395% | 3,307 |
| Net loans and leases to core deposits | 74.9719% | 3,737 |
| Total domestic deposits to total assets | 87.7507% | 2,272 |
| Equity capital to assets | 10.8470% | 2,920 |
| Core capital (leverage) ratio | 10.7899% | 2,684 |
| Tier 1 risk-based capital ratio | 16.2911% | 3,042 |
| Total risk-based capital ratio | 17.5532% | 2,996 |
| Memoranda: | ||
| Average total assets | $204,326,000 | 3,001 |
| Average earning assets | $181,527,750 | 3,081 |
| Average equity | $21,443,750 | 3,025 |
| Average total loans | $126,592,250 | 2,934 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 1,975 |
| Cost of funding earning assets | 0.3633% | 5,288 |
| Net interest margin | 4.2008% | 1,271 |
| Noninterest income to average assets | 0.4986% | 3,850 |
| Noninterest expense to average assets | 3.1680% | 2,449 |
| Loan and lease loss provision to assets | 0.2972% | 1,219 |
| Net operating income to assets | 0.7610% | 3,511 |
| Return on assets (ROA) | 0.7610% | 3,660 |
| Pretax return on assets | 0.7610% | 4,465 |
| Return on Equity (ROE) | 7.3297% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.4575% | 3,430 |
| Net charge-offs to loans | 0.0303% | 4,264 |
| Credit loss provision to net charge-offs | 1,615.7895% | 198 |
| Earnings coverage of net charge-offs (x) | 57.5263% | 724 |
| Efficiency ratio | 74.9599% | 2,950 |
| Assets per employee ($millions) | 3.1855% | 5,520 |
| Cash dividends to net income (ytd only)* | 39.1858% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2087% | 1,404 |
| Loan loss allowance to noncurrent loans | 117.6446% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 4.0561% | 847 |
| Noncurrent loans to loans | 1.8774% | 2,523 |
| Net loans and leases to total assets | 63.2532% | 3,056 |
| Net loans and leases to deposits | 71.8119% | 3,477 |
| Net loans and leases to core deposits | 73.1839% | 3,905 |
| Total domestic deposits to total assets | 88.0818% | 2,191 |
| Equity capital to assets | 10.6431% | 3,127 |
| Core capital (leverage) ratio | 10.5206% | 2,858 |
| Tier 1 risk-based capital ratio | 16.2786% | 3,051 |
| Total risk-based capital ratio | 17.5399% | 2,995 |
| Memoranda: | ||
| Average total assets | $206,567,000 | 2,983 |
| Average earning assets | $183,298,670 | 3,070 |
| Average equity | $21,447,000 | 3,039 |
| Average total loans | $125,289,330 | 2,966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,563 |
| Cost of funding earning assets | 0.3798% | 5,289 |
| Net interest margin | 4.0081% | 1,748 |
| Noninterest income to average assets | 0.2157% | 5,930 |
| Noninterest expense to average assets | 3.2171% | 2,297 |
| Loan and lease loss provision to assets | 0.2348% | 1,552 |
| Net operating income to assets | 0.2902% | 5,601 |
| Return on assets (ROA) | 0.2902% | 5,721 |
| Pretax return on assets | 0.2902% | 5,878 |
| Return on Equity (ROE) | 2.8291% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,588 |
| Net charge-offs to loans | 0.0975% | 2,881 |
| Credit loss provision to net charge-offs | 410.0000% | 628 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 1,876 |
| Efficiency ratio | 85.9694% | 1,521 |
| Assets per employee ($millions) | 3.2499% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1618% | 1,663 |
| Loan loss allowance to noncurrent loans | 117.5022% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 4.2030% | 911 |
| Noncurrent loans to loans | 1.8398% | 2,813 |
| Net loans and leases to total assets | 58.1419% | 3,768 |
| Net loans and leases to deposits | 65.7355% | 4,092 |
| Net loans and leases to core deposits | 67.2661% | 4,381 |
| Total domestic deposits to total assets | 88.4482% | 2,039 |
| Equity capital to assets | 10.3648% | 3,716 |
| Core capital (leverage) ratio | 10.0209% | 3,350 |
| Tier 1 risk-based capital ratio | 16.8158% | 2,852 |
| Total risk-based capital ratio | 18.0762% | 2,810 |
| Memoranda: | ||
| Average total assets | $209,508,500 | 2,982 |
| Average earning assets | $184,325,000 | 3,094 |
| Average equity | $21,491,000 | 3,080 |
| Average total loans | $123,031,000 | 3,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 2,188 |
| Cost of funding earning assets | 0.5726% | 4,614 |
| Net interest margin | 4.2286% | 1,581 |
| Noninterest income to average assets | 0.8003% | 2,263 |
| Noninterest expense to average assets | 3.3012% | 2,328 |
| Loan and lease loss provision to assets | 0.4898% | 1,233 |
| Net operating income to assets | 0.7420% | 3,546 |
| Return on assets (ROA) | 0.7455% | 3,773 |
| Pretax return on assets | 0.7455% | 4,494 |
| Return on Equity (ROE) | 7.2428% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.6683% | 2,929 |
| Net charge-offs to loans | 0.7577% | 1,545 |
| Credit loss provision to net charge-offs | 102.9866% | 2,915 |
| Earnings coverage of net charge-offs (x) | 2.5901% | 4,125 |
| Efficiency ratio | 72.8255% | 3,270 |
| Assets per employee ($millions) | 3.2465% | 5,523 |
| Cash dividends to net income (ytd only)* | 35.5453% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 1,756 |
| Loan loss allowance to noncurrent loans | 102.5447% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 4.7345% | 847 |
| Noncurrent loans to loans | 2.0537% | 2,638 |
| Net loans and leases to total assets | 56.8087% | 4,143 |
| Net loans and leases to deposits | 64.2788% | 4,499 |
| Net loans and leases to core deposits | 65.7511% | 4,767 |
| Total domestic deposits to total assets | 88.3786% | 1,978 |
| Equity capital to assets | 10.1524% | 3,962 |
| Core capital (leverage) ratio | 10.4952% | 2,775 |
| Tier 1 risk-based capital ratio | 16.5560% | 2,861 |
| Total risk-based capital ratio | 17.8153% | 2,827 |
| Memoranda: | ||
| Average total assets | $204,170,800 | 2,998 |
| Average earning assets | $180,223,600 | 3,086 |
| Average equity | $21,014,000 | 3,090 |
| Average total loans | $128,146,600 | 2,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 2,270 |
| Cost of funding earning assets | 0.6023% | 4,623 |
| Net interest margin | 4.2316% | 1,639 |
| Noninterest income to average assets | 0.8502% | 2,033 |
| Noninterest expense to average assets | 3.2217% | 2,497 |
| Loan and lease loss provision to assets | 0.5927% | 944 |
| Net operating income to assets | 0.7929% | 3,487 |
| Return on assets (ROA) | 0.7949% | 3,714 |
| Pretax return on assets | 0.7949% | 4,500 |
| Return on Equity (ROE) | 7.6957% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.6957% | 1,757 |
| Net charge-offs to loans | 0.1646% | 3,806 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 13.1499% | 1,942 |
| Efficiency ratio | 69.9257% | 3,698 |
| Assets per employee ($millions) | 2.9884% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5462% | 1,152 |
| Loan loss allowance to noncurrent loans | 108.9043% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 5.2676% | 824 |
| Noncurrent loans to loans | 2.3381% | 2,467 |
| Net loans and leases to total assets | 64.8257% | 2,871 |
| Net loans and leases to deposits | 75.5142% | 3,056 |
| Net loans and leases to core deposits | 77.5742% | 3,520 |
| Total domestic deposits to total assets | 85.8456% | 3,334 |
| Equity capital to assets | 11.1633% | 3,080 |
| Core capital (leverage) ratio | 10.6211% | 2,777 |
| Tier 1 risk-based capital ratio | 16.2012% | 3,168 |
| Total risk-based capital ratio | 17.4668% | 3,123 |
| Memoranda: | ||
| Average total assets | $202,457,500 | 3,049 |
| Average earning assets | $179,752,250 | 3,128 |
| Average equity | $20,911,500 | 3,124 |
| Average total loans | $129,568,500 | 2,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 2,633 |
| Cost of funding earning assets | 0.6400% | 4,530 |
| Net interest margin | 4.1315% | 1,963 |
| Noninterest income to average assets | 0.7564% | 2,389 |
| Noninterest expense to average assets | 3.1365% | 2,795 |
| Loan and lease loss provision to assets | 0.5848% | 1,027 |
| Net operating income to assets | 0.7096% | 3,821 |
| Return on assets (ROA) | 0.7115% | 4,074 |
| Pretax return on assets | 0.7115% | 4,797 |
| Return on Equity (ROE) | 7.0688% | 3,744 |
| Retained earnings to average equity (ytd only) | 7.0688% | 2,064 |
| Net charge-offs to loans | 0.0663% | 4,502 |
| Credit loss provision to net charge-offs | 1,395.3488% | 238 |
| Earnings coverage of net charge-offs (x) | 30.8837% | 1,052 |
| Efficiency ratio | 70.7875% | 3,635 |
| Assets per employee ($millions) | 3.1577% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 1,415 |
| Loan loss allowance to noncurrent loans | 93.8671% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 5.0436% | 945 |
| Noncurrent loans to loans | 2.5546% | 2,360 |
| Net loans and leases to total assets | 61.6136% | 3,509 |
| Net loans and leases to deposits | 70.8760% | 3,780 |
| Net loans and leases to core deposits | 72.8711% | 4,184 |
| Total domestic deposits to total assets | 86.9315% | 2,813 |
| Equity capital to assets | 10.2938% | 3,942 |
| Core capital (leverage) ratio | 10.0345% | 3,378 |
| Tier 1 risk-based capital ratio | 15.6977% | 3,333 |
| Total risk-based capital ratio | 16.9611% | 3,289 |
| Memoranda: | ||
| Average total assets | $205,195,330 | 3,028 |
| Average earning assets | $182,498,670 | 3,092 |
| Average equity | $20,654,000 | 3,142 |
| Average total loans | $129,688,000 | 2,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 2,694 |
| Cost of funding earning assets | 0.6690% | 4,546 |
| Net interest margin | 4.1150% | 2,042 |
| Noninterest income to average assets | 0.6648% | 2,840 |
| Noninterest expense to average assets | 3.1311% | 2,815 |
| Loan and lease loss provision to assets | 0.5849% | 982 |
| Net operating income to assets | 0.6063% | 4,319 |
| Return on assets (ROA) | 0.6141% | 4,499 |
| Pretax return on assets | 0.6141% | 5,068 |
| Return on Equity (ROE) | 6.1713% | 4,201 |
| Retained earnings to average equity (ytd only) | 6.1713% | 2,856 |
| Net charge-offs to loans | 0.1326% | 3,311 |
| Credit loss provision to net charge-offs | 697.6744% | 507 |
| Earnings coverage of net charge-offs (x) | 14.2093% | 1,485 |
| Efficiency ratio | 72.4402% | 3,355 |
| Assets per employee ($millions) | 3.5579% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,892 |
| Loan loss allowance to noncurrent loans | 76.1944% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 5.2974% | 959 |
| Noncurrent loans to loans | 2.8799% | 2,241 |
| Net loans and leases to total assets | 59.6029% | 3,754 |
| Net loans and leases to deposits | 68.0537% | 4,049 |
| Net loans and leases to core deposits | 69.7134% | 4,462 |
| Total domestic deposits to total assets | 87.5822% | 2,601 |
| Equity capital to assets | 9.7906% | 4,393 |
| Core capital (leverage) ratio | 9.7730% | 3,679 |
| Tier 1 risk-based capital ratio | 15.3394% | 3,533 |
| Total risk-based capital ratio | 16.5998% | 3,488 |
| Memoranda: | ||
| Average total assets | $205,168,000 | 3,052 |
| Average earning assets | $182,359,000 | 3,118 |
| Average equity | $20,417,000 | 3,176 |
| Average total loans | $129,747,500 | 2,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 1,954 |
| Cost of funding earning assets | 0.9144% | 4,013 |
| Net interest margin | 4.3130% | 1,656 |
| Noninterest income to average assets | 0.5577% | 3,452 |
| Noninterest expense to average assets | 3.4300% | 2,168 |
| Loan and lease loss provision to assets | 0.7623% | 1,314 |
| Net operating income to assets | 0.1857% | 5,634 |
| Return on assets (ROA) | 0.1908% | 5,747 |
| Pretax return on assets | 0.1908% | 5,809 |
| Return on Equity (ROE) | 1.8687% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.8687% | 4,881 |
| Net charge-offs to loans | 1.1667% | 1,455 |
| Credit loss provision to net charge-offs | 92.3745% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.1488% | 4,930 |
| Efficiency ratio | 78.3452% | 2,548 |
| Assets per employee ($millions) | 3.4555% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 2,457 |
| Loan loss allowance to noncurrent loans | 85.0567% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 5.2959% | 978 |
| Noncurrent loans to loans | 2.2786% | 2,873 |
| Net loans and leases to total assets | 64.3758% | 3,100 |
| Net loans and leases to deposits | 75.6417% | 3,233 |
| Net loans and leases to core deposits | 77.2037% | 3,795 |
| Total domestic deposits to total assets | 85.1063% | 3,783 |
| Equity capital to assets | 10.1197% | 4,011 |
| Core capital (leverage) ratio | 10.1495% | 3,168 |
| Tier 1 risk-based capital ratio | 14.7245% | 3,816 |
| Total risk-based capital ratio | 15.9818% | 3,782 |
| Memoranda: | ||
| Average total assets | $195,449,600 | 3,108 |
| Average earning assets | $173,128,200 | 3,187 |
| Average equity | $19,960,800 | 3,153 |
| Average total loans | $138,258,400 | 2,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 1,727 |
| Cost of funding earning assets | 0.9679% | 3,908 |
| Net interest margin | 4.3695% | 1,495 |
| Noninterest income to average assets | 0.4373% | 4,380 |
| Noninterest expense to average assets | 3.5748% | 1,767 |
| Loan and lease loss provision to assets | 0.8273% | 1,124 |
| Net operating income to assets | -0.0968% | 6,282 |
| Return on assets (ROA) | -0.0899% | 6,359 |
| Pretax return on assets | -0.0899% | 6,328 |
| Return on Equity (ROE) | -0.8785% | 6,363 |
| Retained earnings to average equity (ytd only) | -0.8785% | 6,134 |
| Net charge-offs to loans | 0.3897% | 3,164 |
| Credit loss provision to net charge-offs | 294.6210% | 974 |
| Earnings coverage of net charge-offs (x) | 2.6015% | 3,817 |
| Efficiency ratio | 83.0330% | 1,846 |
| Assets per employee ($millions) | 3.0410% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4858% | 1,415 |
| Loan loss allowance to noncurrent loans | 76.6291% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 5.4728% | 1,023 |
| Noncurrent loans to loans | 3.2440% | 2,137 |
| Net loans and leases to total assets | 71.0294% | 1,900 |
| Net loans and leases to deposits | 83.9162% | 2,017 |
| Net loans and leases to core deposits | 86.0390% | 2,765 |
| Total domestic deposits to total assets | 84.6433% | 3,945 |
| Equity capital to assets | 10.3552% | 3,889 |
| Core capital (leverage) ratio | 10.1013% | 3,303 |
| Tier 1 risk-based capital ratio | 14.0483% | 4,322 |
| Total risk-based capital ratio | 15.3132% | 4,282 |
| Memoranda: | ||
| Average total assets | $194,207,000 | 3,143 |
| Average earning assets | $171,913,250 | 3,220 |
| Average equity | $19,880,500 | 3,166 |
| Average total loans | $139,930,000 | 2,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2673% | 1,996 |
| Cost of funding earning assets | 1.0126% | 3,869 |
| Net interest margin | 4.2547% | 1,824 |
| Noninterest income to average assets | 0.7915% | 2,065 |
| Noninterest expense to average assets | 3.3658% | 2,353 |
| Loan and lease loss provision to assets | 1.0406% | 818 |
| Net operating income to assets | 0.1415% | 5,909 |
| Return on assets (ROA) | 0.1497% | 5,978 |
| Pretax return on assets | 0.1497% | 6,020 |
| Return on Equity (ROE) | 1.4678% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.4678% | 5,250 |
| Net charge-offs to loans | 0.5498% | 2,454 |
| Credit loss provision to net charge-offs | 263.6364% | 1,153 |
| Earnings coverage of net charge-offs (x) | 2.9948% | 3,354 |
| Efficiency ratio | 74.0081% | 3,361 |
| Assets per employee ($millions) | 3.0100% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 1,699 |
| Loan loss allowance to noncurrent loans | 79.8598% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 5.3197% | 1,134 |
| Noncurrent loans to loans | 2.9198% | 2,502 |
| Net loans and leases to total assets | 70.7139% | 2,067 |
| Net loans and leases to deposits | 83.3119% | 2,215 |
| Net loans and leases to core deposits | 85.3702% | 3,016 |
| Total domestic deposits to total assets | 84.8785% | 3,930 |
| Equity capital to assets | 10.2515% | 3,814 |
| Core capital (leverage) ratio | 10.0503% | 3,202 |
| Tier 1 risk-based capital ratio | 13.9379% | 4,212 |
| Total risk-based capital ratio | 15.2013% | 4,174 |
| Memoranda: | ||
| Average total assets | $195,081,330 | 3,152 |
| Average earning assets | $172,233,670 | 3,237 |
| Average equity | $19,894,330 | 3,145 |
| Average total loans | $140,056,670 | 2,845 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 2,314 |
| Cost of funding earning assets | 1.0865% | 3,609 |
| Net interest margin | 4.0913% | 2,298 |
| Noninterest income to average assets | 0.9487% | 1,479 |
| Noninterest expense to average assets | 3.2670% | 2,653 |
| Loan and lease loss provision to assets | 1.2505% | 557 |
| Net operating income to assets | 0.0267% | 6,287 |
| Return on assets (ROA) | 0.0308% | 6,313 |
| Pretax return on assets | 0.0308% | 6,303 |
| Return on Equity (ROE) | 0.3028% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.3028% | 5,685 |
| Net charge-offs to loans | 1.1518% | 1,202 |
| Credit loss provision to net charge-offs | 151.8703% | 1,884 |
| Earnings coverage of net charge-offs (x) | 1.5511% | 3,546 |
| Efficiency ratio | 71.8934% | 3,890 |
| Assets per employee ($millions) | 3.1706% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 2,154 |
| Loan loss allowance to noncurrent loans | 67.2659% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 5.3785% | 1,144 |
| Noncurrent loans to loans | 3.1434% | 2,392 |
| Net loans and leases to total assets | 65.7269% | 3,083 |
| Net loans and leases to deposits | 76.7822% | 3,286 |
| Net loans and leases to core deposits | 78.7642% | 3,926 |
| Total domestic deposits to total assets | 85.6017% | 3,732 |
| Equity capital to assets | 9.7625% | 4,085 |
| Core capital (leverage) ratio | 10.0182% | 3,121 |
| Tier 1 risk-based capital ratio | 14.2439% | 3,912 |
| Total risk-based capital ratio | 15.5039% | 3,866 |
| Memoranda: | ||
| Average total assets | $194,797,500 | 3,177 |
| Average earning assets | $171,194,000 | 3,281 |
| Average equity | $19,813,000 | 3,145 |
| Average total loans | $139,258,000 | 2,905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7608% | 1,377 |
| Cost of funding earning assets | 1.3512% | 3,566 |
| Net interest margin | 4.4096% | 1,442 |
| Noninterest income to average assets | 0.5468% | 3,841 |
| Noninterest expense to average assets | 3.2243% | 3,001 |
| Loan and lease loss provision to assets | 1.7072% | 827 |
| Net operating income to assets | -0.5100% | 6,392 |
| Return on assets (ROA) | -0.4997% | 6,417 |
| Pretax return on assets | -0.4997% | 6,320 |
| Return on Equity (ROE) | -4.6960% | 6,408 |
| Retained earnings to average equity (ytd only) | -4.6960% | 6,268 |
| Net charge-offs to loans | 2.2975% | 842 |
| Credit loss provision to net charge-offs | 98.9793% | 4,674 |
| Earnings coverage of net charge-offs (x) | 0.6941% | 5,415 |
| Efficiency ratio | 72.9242% | 3,611 |
| Assets per employee ($millions) | 3.1113% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 2,618 |
| Loan loss allowance to noncurrent loans | 54.6067% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 5.9954% | 993 |
| Noncurrent loans to loans | 3.4408% | 2,206 |
| Net loans and leases to total assets | 74.7765% | 1,525 |
| Net loans and leases to deposits | 88.6769% | 1,697 |
| Net loans and leases to core deposits | 91.5314% | 2,551 |
| Total domestic deposits to total assets | 84.3246% | 4,214 |
| Equity capital to assets | 10.6152% | 3,049 |
| Core capital (leverage) ratio | 10.3881% | 2,685 |
| Tier 1 risk-based capital ratio | 13.4968% | 4,206 |
| Total risk-based capital ratio | 14.7539% | 4,173 |
| Memoranda: | ||
| Average total assets | $193,125,000 | 3,185 |
| Average earning assets | $169,699,000 | 3,283 |
| Average equity | $20,549,400 | 3,070 |
| Average total loans | $144,981,800 | 2,854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6633% | 1,834 |
| Cost of funding earning assets | 1.3871% | 3,654 |
| Net interest margin | 4.2762% | 1,930 |
| Noninterest income to average assets | 0.5820% | 3,567 |
| Noninterest expense to average assets | 3.1857% | 2,978 |
| Loan and lease loss provision to assets | 1.4193% | 949 |
| Net operating income to assets | -0.2492% | 6,381 |
| Return on assets (ROA) | -0.2362% | 6,416 |
| Pretax return on assets | -0.2362% | 6,348 |
| Return on Equity (ROE) | -2.2187% | 6,423 |
| Retained earnings to average equity (ytd only) | -2.2187% | 6,240 |
| Net charge-offs to loans | 1.7959% | 1,081 |
| Credit loss provision to net charge-offs | 105.6575% | 4,050 |
| Earnings coverage of net charge-offs (x) | 0.8711% | 5,176 |
| Efficiency ratio | 73.1374% | 3,495 |
| Assets per employee ($millions) | 3.0190% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 2,410 |
| Loan loss allowance to noncurrent loans | 28.2676% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 8.9407% | 513 |
| Noncurrent loans to loans | 6.8160% | 846 |
| Net loans and leases to total assets | 75.4165% | 1,511 |
| Net loans and leases to deposits | 89.5884% | 1,773 |
| Net loans and leases to core deposits | 92.2456% | 2,765 |
| Total domestic deposits to total assets | 84.1811% | 4,014 |
| Equity capital to assets | 10.8440% | 3,121 |
| Core capital (leverage) ratio | 10.5862% | 2,607 |
| Tier 1 risk-based capital ratio | 13.5727% | 4,144 |
| Total risk-based capital ratio | 14.8304% | 4,082 |
| Memoranda: | ||
| Average total assets | $194,737,500 | 3,210 |
| Average earning assets | $171,862,250 | 3,289 |
| Average equity | $20,732,750 | 3,082 |
| Average total loans | $145,661,750 | 2,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 1,659 |
| Cost of funding earning assets | 1.4296% | 3,671 |
| Net interest margin | 4.2992% | 1,784 |
| Noninterest income to average assets | 0.4739% | 4,326 |
| Noninterest expense to average assets | 3.0685% | 3,434 |
| Loan and lease loss provision to assets | 1.5134% | 874 |
| Net operating income to assets | -0.3139% | 6,490 |
| Return on assets (ROA) | -0.3118% | 6,529 |
| Pretax return on assets | -0.3118% | 6,442 |
| Return on Equity (ROE) | -2.9467% | 6,513 |
| Retained earnings to average equity (ytd only) | -2.9467% | 6,290 |
| Net charge-offs to loans | 1.5372% | 1,246 |
| Credit loss provision to net charge-offs | 132.8265% | 3,030 |
| Earnings coverage of net charge-offs (x) | 1.0528% | 4,741 |
| Efficiency ratio | 71.8959% | 3,835 |
| Assets per employee ($millions) | 2.9662% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 1,960 |
| Loan loss allowance to noncurrent loans | 28.0106% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 8.6618% | 529 |
| Noncurrent loans to loans | 7.4990% | 716 |
| Net loans and leases to total assets | 73.2076% | 2,108 |
| Net loans and leases to deposits | 86.5054% | 2,433 |
| Net loans and leases to core deposits | 88.8518% | 3,435 |
| Total domestic deposits to total assets | 84.6277% | 3,806 |
| Equity capital to assets | 10.5865% | 3,300 |
| Core capital (leverage) ratio | 10.3852% | 2,731 |
| Tier 1 risk-based capital ratio | 13.7104% | 3,932 |
| Total risk-based capital ratio | 14.9703% | 3,885 |
| Memoranda: | ||
| Average total assets | $196,251,000 | 3,211 |
| Average earning assets | $173,195,000 | 3,290 |
| Average equity | $20,768,670 | 3,069 |
| Average total loans | $145,463,000 | 2,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0193% | 940 |
| Cost of funding earning assets | 1.4915% | 3,614 |
| Net interest margin | 4.5277% | 1,086 |
| Noninterest income to average assets | 0.4682% | 4,317 |
| Noninterest expense to average assets | 2.9355% | 3,928 |
| Loan and lease loss provision to assets | 1.3375% | 896 |
| Net operating income to assets | 0.1873% | 5,727 |
| Return on assets (ROA) | 0.1873% | 5,855 |
| Pretax return on assets | 0.1873% | 5,912 |
| Return on Equity (ROE) | 1.7700% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.7700% | 5,052 |
| Net charge-offs to loans | 0.5269% | 2,487 |
| Credit loss provision to net charge-offs | 343.9791% | 1,171 |
| Earnings coverage of net charge-offs (x) | 3.9215% | 2,749 |
| Efficiency ratio | 65.8147% | 5,161 |
| Assets per employee ($millions) | 3.2338% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 1,762 |
| Loan loss allowance to noncurrent loans | 24.8824% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 9.2020% | 470 |
| Noncurrent loans to loans | 8.8280% | 565 |
| Net loans and leases to total assets | 71.6185% | 2,541 |
| Net loans and leases to deposits | 84.5630% | 2,840 |
| Net loans and leases to core deposits | 85.9568% | 3,903 |
| Total domestic deposits to total assets | 84.6924% | 3,813 |
| Equity capital to assets | 10.6402% | 3,105 |
| Core capital (leverage) ratio | 10.6289% | 2,518 |
| Tier 1 risk-based capital ratio | 14.2417% | 3,517 |
| Total risk-based capital ratio | 15.5028% | 3,480 |
| Memoranda: | ||
| Average total assets | $196,492,500 | 3,267 |
| Average earning assets | $173,244,000 | 3,346 |
| Average equity | $20,790,500 | 3,089 |
| Average total loans | $144,998,500 | 2,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8435% | 2,472 |
| Cost of funding earning assets | 2.0028% | 2,952 |
| Net interest margin | 3.8407% | 3,528 |
| Noninterest income to average assets | 0.4867% | 4,515 |
| Noninterest expense to average assets | 3.2880% | 3,048 |
| Loan and lease loss provision to assets | 1.6268% | 1,406 |
| Net operating income to assets | -1.0535% | 6,614 |
| Return on assets (ROA) | -1.0786% | 6,637 |
| Pretax return on assets | -1.0786% | 6,466 |
| Return on Equity (ROE) | -9.7286% | 6,604 |
| Retained earnings to average equity (ytd only) | -9.7286% | 6,499 |
| Net charge-offs to loans | 1.8009% | 1,389 |
| Credit loss provision to net charge-offs | 118.4994% | 4,548 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,686 |
| Efficiency ratio | 85.1517% | 2,205 |
| Assets per employee ($millions) | 3.1568% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,375 |
| Loan loss allowance to noncurrent loans | 18.8483% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 10.4704% | 337 |
| Noncurrent loans to loans | 9.8675% | 422 |
| Net loans and leases to total assets | 72.9812% | 2,517 |
| Net loans and leases to deposits | 86.1053% | 2,898 |
| Net loans and leases to core deposits | 111.2200% | 2,768 |
| Total domestic deposits to total assets | 84.7581% | 3,681 |
| Equity capital to assets | 10.5210% | 3,155 |
| Core capital (leverage) ratio | 10.7669% | 2,375 |
| Tier 1 risk-based capital ratio | 13.9017% | 3,564 |
| Total risk-based capital ratio | 15.1594% | 3,509 |
| Memoranda: | ||
| Average total assets | $183,486,800 | 3,377 |
| Average earning assets | $161,222,400 | 3,495 |
| Average equity | $20,342,000 | 3,154 |
| Average total loans | $139,873,200 | 3,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8615% | 2,621 |
| Cost of funding earning assets | 2.0924% | 2,922 |
| Net interest margin | 3.7691% | 3,781 |
| Noninterest income to average assets | 0.4101% | 5,211 |
| Noninterest expense to average assets | 3.2847% | 2,978 |
| Loan and lease loss provision to assets | 1.6294% | 1,152 |
| Net operating income to assets | -1.1934% | 6,953 |
| Return on assets (ROA) | -1.2304% | 6,981 |
| Pretax return on assets | -1.2304% | 6,827 |
| Return on Equity (ROE) | -10.9467% | 6,955 |
| Retained earnings to average equity (ytd only) | -10.9467% | 6,882 |
| Net charge-offs to loans | 1.4512% | 1,424 |
| Credit loss provision to net charge-offs | 146.3172% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.3915% | 5,633 |
| Efficiency ratio | 88.2820% | 1,842 |
| Assets per employee ($millions) | 3.0400% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 1,952 |
| Loan loss allowance to noncurrent loans | 24.6333% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 8.9533% | 435 |
| Noncurrent loans to loans | 7.8464% | 629 |
| Net loans and leases to total assets | 79.1173% | 1,365 |
| Net loans and leases to deposits | 93.0121% | 2,060 |
| Net loans and leases to core deposits | 121.0481% | 2,152 |
| Total domestic deposits to total assets | 85.0613% | 3,204 |
| Equity capital to assets | 10.0293% | 4,055 |
| Core capital (leverage) ratio | 10.1432% | 3,124 |
| Tier 1 risk-based capital ratio | 12.2162% | 4,774 |
| Total risk-based capital ratio | 13.4748% | 4,714 |
| Memoranda: | ||
| Average total assets | $180,427,750 | 3,462 |
| Average earning assets | $158,477,250 | 3,569 |
| Average equity | $20,279,500 | 3,196 |
| Average total loans | $138,454,500 | 3,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8230% | 2,943 |
| Cost of funding earning assets | 2.1699% | 2,933 |
| Net interest margin | 3.6531% | 4,150 |
| Noninterest income to average assets | 0.7089% | 2,938 |
| Noninterest expense to average assets | 3.3768% | 2,698 |
| Loan and lease loss provision to assets | 0.3207% | 4,019 |
| Net operating income to assets | 0.2014% | 5,256 |
| Return on assets (ROA) | 0.2037% | 5,329 |
| Pretax return on assets | 0.2037% | 5,459 |
| Return on Equity (ROE) | 1.7456% | 5,392 |
| Retained earnings to average equity (ytd only) | 1.7456% | 4,372 |
| Net charge-offs to loans | 1.7936% | 1,053 |
| Credit loss provision to net charge-offs | 23.7302% | 6,090 |
| Earnings coverage of net charge-offs (x) | 0.3863% | 5,302 |
| Efficiency ratio | 86.6089% | 2,167 |
| Assets per employee ($millions) | 2.9421% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,646 |
| Loan loss allowance to noncurrent loans | 12.3313% | 7,447 |
| Noncurrent assets plus other real estate owned to assets | 8.9649% | 380 |
| Noncurrent loans to loans | 7.5429% | 615 |
| Net loans and leases to total assets | 77.3666% | 1,891 |
| Net loans and leases to deposits | 88.5330% | 3,083 |
| Net loans and leases to core deposits | 113.9887% | 2,909 |
| Total domestic deposits to total assets | 87.3873% | 2,060 |
| Equity capital to assets | 11.3446% | 2,636 |
| Core capital (leverage) ratio | 11.0508% | 2,366 |
| Tier 1 risk-based capital ratio | 14.0017% | 3,519 |
| Total risk-based capital ratio | 14.9084% | 3,646 |
| Memoranda: | ||
| Average total assets | $177,744,670 | 3,516 |
| Average earning assets | $155,211,330 | 3,648 |
| Average equity | $20,738,330 | 3,131 |
| Average total loans | $133,920,330 | 3,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9840% | 2,424 |
| Cost of funding earning assets | 2.2450% | 2,936 |
| Net interest margin | 3.7390% | 3,717 |
| Noninterest income to average assets | 0.7138% | 2,803 |
| Noninterest expense to average assets | 3.2678% | 2,747 |
| Loan and lease loss provision to assets | 0.2736% | 3,774 |
| Net operating income to assets | 0.4196% | 4,780 |
| Return on assets (ROA) | 0.4219% | 4,943 |
| Pretax return on assets | 0.4219% | 5,333 |
| Return on Equity (ROE) | 3.5645% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.5645% | 3,912 |
| Net charge-offs to loans | 0.1635% | 3,661 |
| Credit loss provision to net charge-offs | 226.4151% | 2,016 |
| Earnings coverage of net charge-offs (x) | 5.7358% | 2,614 |
| Efficiency ratio | 82.4986% | 2,477 |
| Assets per employee ($millions) | 2.9430% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 2,018 |
| Loan loss allowance to noncurrent loans | 27.2106% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 7.0967% | 472 |
| Noncurrent loans to loans | 6.3810% | 713 |
| Net loans and leases to total assets | 71.5843% | 3,330 |
| Net loans and leases to deposits | 81.9111% | 4,305 |
| Net loans and leases to core deposits | 106.9273% | 3,804 |
| Total domestic deposits to total assets | 87.3927% | 2,019 |
| Equity capital to assets | 11.4120% | 2,651 |
| Core capital (leverage) ratio | 11.4778% | 2,162 |
| Tier 1 risk-based capital ratio | 14.7819% | 3,165 |
| Total risk-based capital ratio | 16.0372% | 3,092 |
| Memoranda: | ||
| Average total assets | $175,411,000 | 3,572 |
| Average earning assets | $152,338,500 | 3,709 |
| Average equity | $20,760,500 | 3,144 |
| Average total loans | $129,655,000 | 3,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0889% | 935 |
| Cost of funding earning assets | 2.7053% | 3,139 |
| Net interest margin | 4.3836% | 1,739 |
| Noninterest income to average assets | 0.8924% | 1,989 |
| Noninterest expense to average assets | 3.4567% | 2,504 |
| Loan and lease loss provision to assets | 0.1486% | 5,458 |
| Net operating income to assets | 1.1796% | 1,842 |
| Return on assets (ROA) | 1.1974% | 1,706 |
| Pretax return on assets | 1.2313% | 2,542 |
| Return on Equity (ROE) | 10.0705% | 2,235 |
| Retained earnings to average equity (ytd only) | 6.0903% | 1,488 |
| Net charge-offs to loans | 0.4412% | 2,622 |
| Credit loss provision to net charge-offs | 47.3485% | 6,381 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 4,014 |
| Efficiency ratio | 71.7423% | 3,984 |
| Assets per employee ($millions) | 2.6306% | 6,936 |
| Cash dividends to net income (ytd only)* | 39.5233% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 1,696 |
| Loan loss allowance to noncurrent loans | 36.5222% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 5.7485% | 542 |
| Noncurrent loans to loans | 4.8550% | 931 |
| Net loans and leases to total assets | 73.7390% | 3,174 |
| Net loans and leases to deposits | 85.4657% | 4,185 |
| Net loans and leases to core deposits | 112.1050% | 3,550 |
| Total domestic deposits to total assets | 86.2791% | 2,270 |
| Equity capital to assets | 12.2942% | 2,115 |
| Core capital (leverage) ratio | 12.3402% | 1,810 |
| Tier 1 risk-based capital ratio | 15.6604% | 2,795 |
| Total risk-based capital ratio | 16.9167% | 2,718 |
| Memoranda: | ||
| Average total assets | $168,193,800 | 3,581 |
| Average earning assets | $150,630,600 | 3,645 |
| Average equity | $19,999,000 | 3,228 |
| Average total loans | $119,672,600 | 3,465 |