Home > Surety Bank > Performance and Condition Ratios
Surety Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 2,602 |
| Cost of funding earning assets | 1.9276% | 2,123 |
| Net interest margin | 3.3337% | 2,700 |
| Noninterest income to average assets | 3.4100% | 170 |
| Noninterest expense to average assets | 3.6622% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.9919% | 467 |
| Return on assets (ROA) | 1.9919% | 467 |
| Pretax return on assets | 1.9919% | 709 |
| Return on Equity (ROE) | 20.7400% | 387 |
| Retained earnings to average equity (ytd only) | 8.3376% | 1,599 |
| Net charge-offs to loans | -0.0056% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.7715% | 2,386 |
| Assets per employee ($millions) | 5.7608% | 3,122 |
| Cash dividends to net income (ytd only)* | 59.8020% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 813 |
| Loan loss allowance to noncurrent loans | 356.9132% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,778 |
| Noncurrent loans to loans | 0.4478% | 2,006 |
| Net loans and leases to total assets | 32.0600% | 4,160 |
| Net loans and leases to deposits | 35.3295% | 4,202 |
| Net loans and leases to core deposits | 35.7205% | 4,214 |
| Total domestic deposits to total assets | 90.7400% | 597 |
| Equity capital to assets | 9.1467% | 2,834 |
| Core capital (leverage) ratio | 13.2848% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0456% | 305 |
| Memoranda: | ||
| Average total assets | $202,826,500 | 2,995 |
| Average earning assets | $136,543,500 | 3,375 |
| Average equity | $19,478,000 | 3,040 |
| Average total loans | $70,824,000 | 3,572 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9479% | 1,360 |
| Cost of funding earning assets | 2.2555% | 1,616 |
| Net interest margin | 3.6924% | 1,703 |
| Noninterest income to average assets | 3.5500% | 168 |
| Noninterest expense to average assets | 3.4702% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.6013% | 200 |
| Return on assets (ROA) | 2.6013% | 202 |
| Pretax return on assets | 2.6013% | 272 |
| Return on Equity (ROE) | 27.3800% | 139 |
| Retained earnings to average equity (ytd only) | 8.5947% | 921 |
| Net charge-offs to loans | -0.0683% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.1556% | 3,438 |
| Assets per employee ($millions) | 5.5001% | 3,294 |
| Cash dividends to net income (ytd only)* | 68.6044% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 916 |
| Loan loss allowance to noncurrent loans | 340.1840% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,597 |
| Noncurrent loans to loans | 0.4515% | 1,942 |
| Net loans and leases to total assets | 36.9300% | 4,089 |
| Net loans and leases to deposits | 41.2545% | 4,127 |
| Net loans and leases to core deposits | 41.7639% | 4,171 |
| Total domestic deposits to total assets | 89.5200% | 975 |
| Equity capital to assets | 10.1088% | 2,063 |
| Core capital (leverage) ratio | 12.6582% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1038% | 270 |
| Memoranda: | ||
| Average total assets | $203,016,000 | 2,982 |
| Average earning assets | $138,905,200 | 3,352 |
| Average equity | $19,291,000 | 3,020 |
| Average total loans | $77,625,800 | 3,450 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9549% | 1,321 |
| Cost of funding earning assets | 2.2579% | 1,614 |
| Net interest margin | 3.6970% | 1,644 |
| Noninterest income to average assets | 3.4400% | 165 |
| Noninterest expense to average assets | 3.3818% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.6194% | 207 |
| Return on assets (ROA) | 2.6194% | 208 |
| Pretax return on assets | 2.6194% | 287 |
| Return on Equity (ROE) | 27.9800% | 140 |
| Retained earnings to average equity (ytd only) | 9.1571% | 1,074 |
| Net charge-offs to loans | -0.0844% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.3526% | 3,524 |
| Assets per employee ($millions) | 5.5612% | 3,214 |
| Cash dividends to net income (ytd only)* | 67.2772% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 1,083 |
| Loan loss allowance to noncurrent loans | 323.3918% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,638 |
| Noncurrent loans to loans | 0.4600% | 1,936 |
| Net loans and leases to total assets | 35.5900% | 4,148 |
| Net loans and leases to deposits | 39.7114% | 4,205 |
| Net loans and leases to core deposits | 40.1651% | 4,223 |
| Total domestic deposits to total assets | 89.6300% | 696 |
| Equity capital to assets | 9.8238% | 2,413 |
| Core capital (leverage) ratio | 12.4841% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5308% | 358 |
| Memoranda: | ||
| Average total assets | $205,643,750 | 2,953 |
| Average earning assets | $142,488,750 | 3,323 |
| Average equity | $19,248,750 | 3,022 |
| Average total loans | $78,981,000 | 3,437 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1310% | 994 |
| Cost of funding earning assets | 2.3027% | 1,436 |
| Net interest margin | 3.8283% | 1,382 |
| Noninterest income to average assets | 3.5000% | 164 |
| Noninterest expense to average assets | 3.3248% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.8015% | 178 |
| Return on assets (ROA) | 2.8015% | 181 |
| Pretax return on assets | 2.8015% | 246 |
| Return on Equity (ROE) | 30.4300% | 124 |
| Retained earnings to average equity (ytd only) | 11.2855% | 651 |
| Net charge-offs to loans | -0.1118% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.2712% | 3,736 |
| Assets per employee ($millions) | 5.5671% | 3,165 |
| Cash dividends to net income (ytd only)* | 62.9167% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,293 |
| Loan loss allowance to noncurrent loans | 306.6852% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,522 |
| Noncurrent loans to loans | 0.4643% | 1,843 |
| Net loans and leases to total assets | 37.0100% | 4,124 |
| Net loans and leases to deposits | 40.8731% | 4,183 |
| Net loans and leases to core deposits | 43.7454% | 4,170 |
| Total domestic deposits to total assets | 90.5400% | 565 |
| Equity capital to assets | 9.3231% | 2,514 |
| Core capital (leverage) ratio | 11.9592% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7661% | 320 |
| Memoranda: | ||
| Average total assets | $205,603,333 | 2,960 |
| Average earning assets | $141,314,333 | 3,341 |
| Average equity | $18,927,000 | 3,019 |
| Average total loans | $80,527,667 | 3,426 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,828.0000% | 45 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 2.7437% | 202 |
| Pretax return on assets | 2.7437% | 276 |
| Return on Equity (ROE) | 30.0000% | 143 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 0.0000% | 4,561 |
| Assets per employee ($millions) | 0.5489% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 157 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 40,998.0000% | 19 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $-587,000 | 4,593 |
| Average earning assets | $31,509 | 4,529 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 1,295 |
| Cost of funding earning assets | 1.3810% | 2,278 |
| Net interest margin | 4.0300% | 1,161 |
| Noninterest income to average assets | 3.6200% | 164 |
| Noninterest expense to average assets | 3.3649% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.9977% | 161 |
| Return on assets (ROA) | 2.9977% | 159 |
| Pretax return on assets | 2.9977% | 206 |
| Return on Equity (ROE) | 36.5900% | 110 |
| Retained earnings to average equity (ytd only) | 11.7391% | 667 |
| Net charge-offs to loans | -0.1013% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.8851% | 3,762 |
| Assets per employee ($millions) | 5.4268% | 3,311 |
| Cash dividends to net income (ytd only)* | 67.9177% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 1,793 |
| Loan loss allowance to noncurrent loans | 270.0767% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,281 |
| Noncurrent loans to loans | 0.4791% | 1,588 |
| Net loans and leases to total assets | 39.0600% | 4,068 |
| Net loans and leases to deposits | 43.0170% | 4,128 |
| Net loans and leases to core deposits | 46.0324% | 4,159 |
| Total domestic deposits to total assets | 90.8000% | 556 |
| Equity capital to assets | 9.0661% | 2,628 |
| Core capital (leverage) ratio | 12.1196% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7787% | 382 |
| Memoranda: | ||
| Average total assets | $202,652,600 | 2,975 |
| Average earning assets | $138,163,000 | 3,364 |
| Average equity | $16,602,600 | 3,128 |
| Average total loans | $77,995,400 | 3,440 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 1,488 |
| Cost of funding earning assets | 1.1756% | 2,508 |
| Net interest margin | 4.0070% | 1,204 |
| Noninterest income to average assets | 3.6200% | 167 |
| Noninterest expense to average assets | 3.3491% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.9770% | 184 |
| Return on assets (ROA) | 2.9770% | 185 |
| Pretax return on assets | 2.9770% | 244 |
| Return on Equity (ROE) | 37.3600% | 138 |
| Retained earnings to average equity (ytd only) | 11.4845% | 1,070 |
| Net charge-offs to loans | -0.0502% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.9406% | 3,685 |
| Assets per employee ($millions) | 5.0879% | 3,536 |
| Cash dividends to net income (ytd only)* | 69.2564% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,694 |
| Loan loss allowance to noncurrent loans | 245.3659% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,174 |
| Noncurrent loans to loans | 0.5466% | 1,457 |
| Net loans and leases to total assets | 39.3100% | 4,083 |
| Net loans and leases to deposits | 43.1634% | 4,129 |
| Net loans and leases to core deposits | 46.2251% | 4,123 |
| Total domestic deposits to total assets | 91.0800% | 651 |
| Equity capital to assets | 8.0004% | 3,060 |
| Core capital (leverage) ratio | 11.8635% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9856% | 351 |
| Memoranda: | ||
| Average total assets | $201,761,250 | 2,982 |
| Average earning assets | $136,323,750 | 3,387 |
| Average equity | $16,079,250 | 3,163 |
| Average total loans | $77,093,250 | 3,453 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 1,878 |
| Cost of funding earning assets | 0.8542% | 3,064 |
| Net interest margin | 3.9989% | 1,243 |
| Noninterest income to average assets | 3.4900% | 160 |
| Noninterest expense to average assets | 3.2463% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.9807% | 156 |
| Return on assets (ROA) | 2.9807% | 153 |
| Pretax return on assets | 2.9807% | 210 |
| Return on Equity (ROE) | 37.4500% | 125 |
| Retained earnings to average equity (ytd only) | 12.9243% | 820 |
| Net charge-offs to loans | -0.0540% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.1333% | 3,762 |
| Assets per employee ($millions) | 5.7475% | 2,926 |
| Cash dividends to net income (ytd only)* | 65.4847% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 1,959 |
| Loan loss allowance to noncurrent loans | 98.2283% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 1,105 |
| Noncurrent loans to loans | 1.3155% | 538 |
| Net loans and leases to total assets | 36.8500% | 4,150 |
| Net loans and leases to deposits | 43.2916% | 4,129 |
| Net loans and leases to core deposits | 46.3343% | 4,121 |
| Total domestic deposits to total assets | 85.1100% | 2,514 |
| Equity capital to assets | 8.2485% | 3,060 |
| Core capital (leverage) ratio | 12.0309% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0583% | 386 |
| Memoranda: | ||
| Average total assets | $206,263,667 | 2,955 |
| Average earning assets | $141,189,333 | 3,351 |
| Average equity | $16,418,667 | 3,151 |
| Average total loans | $77,787,333 | 3,447 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 1,719 |
| Cost of funding earning assets | 0.7974% | 2,750 |
| Net interest margin | 3.9618% | 1,342 |
| Noninterest income to average assets | 3.4700% | 160 |
| Noninterest expense to average assets | 3.1990% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0067% | 153 |
| Return on assets (ROA) | 3.0067% | 154 |
| Pretax return on assets | 3.0067% | 199 |
| Return on Equity (ROE) | 38.4700% | 124 |
| Retained earnings to average equity (ytd only) | 13.4704% | 1,014 |
| Net charge-offs to loans | -0.0359% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5493% | 3,813 |
| Assets per employee ($millions) | 5.2674% | 3,447 |
| Cash dividends to net income (ytd only)* | 64.9871% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,309 |
| Loan loss allowance to noncurrent loans | 95.3488% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 980 |
| Noncurrent loans to loans | 1.3081% | 516 |
| Net loans and leases to total assets | 39.9800% | 4,042 |
| Net loans and leases to deposits | 43.7802% | 4,104 |
| Net loans and leases to core deposits | 44.1669% | 4,164 |
| Total domestic deposits to total assets | 91.3100% | 698 |
| Equity capital to assets | 8.5904% | 2,818 |
| Core capital (leverage) ratio | 11.1813% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5702% | 465 |
| Memoranda: | ||
| Average total assets | $205,940,500 | 2,991 |
| Average earning assets | $141,955,000 | 3,388 |
| Average equity | $16,094,500 | 3,207 |
| Average total loans | $78,063,500 | 3,480 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 1,008 |
| Cost of funding earning assets | 0.3234% | 2,695 |
| Net interest margin | 4.0038% | 784 |
| Noninterest income to average assets | 3.3100% | 167 |
| Noninterest expense to average assets | 2.9023% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.0956% | 105 |
| Return on assets (ROA) | 3.0956% | 104 |
| Pretax return on assets | 3.0956% | 124 |
| Return on Equity (ROE) | 40.8300% | 56 |
| Retained earnings to average equity (ytd only) | 16.7566% | 189 |
| Net charge-offs to loans | -0.0130% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.3891% | 4,219 |
| Assets per employee ($millions) | 5.7102% | 3,023 |
| Cash dividends to net income (ytd only)* | 58.9550% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,069 |
| Loan loss allowance to noncurrent loans | 88.0974% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 997 |
| Noncurrent loans to loans | 1.4359% | 463 |
| Net loans and leases to total assets | 35.1400% | 4,254 |
| Net loans and leases to deposits | 40.2836% | 4,237 |
| Net loans and leases to core deposits | 44.1447% | 4,174 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 7.1188% | 3,608 |
| Core capital (leverage) ratio | 10.7729% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3549% | 454 |
| Memoranda: | ||
| Average total assets | $209,591,000 | 2,979 |
| Average earning assets | $140,691,000 | 3,412 |
| Average equity | $15,892,200 | 3,284 |
| Average total loans | $76,674,800 | 3,461 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 857 |
| Cost of funding earning assets | 0.3025% | 2,135 |
| Net interest margin | 3.9156% | 775 |
| Noninterest income to average assets | 3.3000% | 172 |
| Noninterest expense to average assets | 2.8567% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.0608% | 103 |
| Return on assets (ROA) | 3.0608% | 99 |
| Pretax return on assets | 3.0608% | 127 |
| Return on Equity (ROE) | 39.7300% | 45 |
| Retained earnings to average equity (ytd only) | 19.6036% | 116 |
| Net charge-offs to loans | -0.0017% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.2755% | 4,257 |
| Assets per employee ($millions) | 6.0155% | 2,750 |
| Cash dividends to net income (ytd only)* | 50.6605% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,540 |
| Loan loss allowance to noncurrent loans | 131.8801% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,554 |
| Noncurrent loans to loans | 0.9086% | 861 |
| Net loans and leases to total assets | 37.9100% | 4,151 |
| Net loans and leases to deposits | 43.1878% | 4,143 |
| Net loans and leases to core deposits | 43.6188% | 4,177 |
| Total domestic deposits to total assets | 87.7800% | 2,493 |
| Equity capital to assets | 6.3778% | 3,804 |
| Core capital (leverage) ratio | 9.7401% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0341% | 564 |
| Memoranda: | ||
| Average total assets | $207,741,500 | 3,016 |
| Average earning assets | $138,825,500 | 3,456 |
| Average equity | $16,003,500 | 3,318 |
| Average total loans | $76,535,250 | 3,477 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 1,063 |
| Cost of funding earning assets | 0.3025% | 1,690 |
| Net interest margin | 3.6247% | 1,034 |
| Noninterest income to average assets | 3.1952% | 144 |
| Noninterest expense to average assets | 2.8074% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.8790% | 76 |
| Return on assets (ROA) | 2.8790% | 71 |
| Pretax return on assets | 2.8790% | 114 |
| Return on Equity (ROE) | 35.3102% | 40 |
| Retained earnings to average equity (ytd only) | 20.9821% | 62 |
| Net charge-offs to loans | 0.0053% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,488.5000% | 77 |
| Efficiency ratio | 49.3707% | 4,291 |
| Assets per employee ($millions) | 5.6798% | 3,047 |
| Cash dividends to net income (ytd only)* | 40.5778% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,968 |
| Loan loss allowance to noncurrent loans | 197.3415% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,187 |
| Noncurrent loans to loans | 0.6828% | 1,263 |
| Net loans and leases to total assets | 32.7341% | 4,378 |
| Net loans and leases to deposits | 35.2355% | 4,419 |
| Net loans and leases to core deposits | 35.5591% | 4,448 |
| Total domestic deposits to total assets | 92.9010% | 539 |
| Equity capital to assets | 6.9285% | 3,806 |
| Core capital (leverage) ratio | 10.0709% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9491% | 538 |
| Memoranda: | ||
| Average total assets | $206,807,333 | 3,051 |
| Average earning assets | $142,134,000 | 3,474 |
| Average equity | $16,862,000 | 3,332 |
| Average total loans | $75,118,333 | 3,529 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 438 |
| Cost of funding earning assets | 0.3235% | 1,428 |
| Net interest margin | 3.9740% | 436 |
| Noninterest income to average assets | 2.9126% | 164 |
| Noninterest expense to average assets | 2.8295% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.7307% | 98 |
| Return on assets (ROA) | 2.7307% | 95 |
| Pretax return on assets | 2.7307% | 131 |
| Return on Equity (ROE) | 31.0058% | 55 |
| Retained earnings to average equity (ytd only) | 17.4450% | 158 |
| Net charge-offs to loans | -0.0156% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8890% | 4,264 |
| Assets per employee ($millions) | 5.8544% | 2,940 |
| Cash dividends to net income (ytd only)* | 43.7364% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,236 |
| Loan loss allowance to noncurrent loans | 192.4603% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,163 |
| Noncurrent loans to loans | 0.6888% | 1,378 |
| Net loans and leases to total assets | 35.2368% | 4,253 |
| Net loans and leases to deposits | 38.5414% | 4,303 |
| Net loans and leases to core deposits | 39.9484% | 4,316 |
| Total domestic deposits to total assets | 91.4258% | 844 |
| Equity capital to assets | 7.9954% | 3,573 |
| Core capital (leverage) ratio | 9.7710% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5631% | 458 |
| Memoranda: | ||
| Average total assets | $202,294,500 | 3,086 |
| Average earning assets | $134,775,500 | 3,571 |
| Average equity | $17,816,000 | 3,341 |
| Average total loans | $76,869,500 | 3,513 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 1,362 |
| Cost of funding earning assets | 0.4743% | 1,036 |
| Net interest margin | 3.5227% | 1,673 |
| Noninterest income to average assets | 3.1887% | 170 |
| Noninterest expense to average assets | 2.8996% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.7085% | 127 |
| Return on assets (ROA) | 2.7425% | 125 |
| Pretax return on assets | 2.7425% | 189 |
| Return on Equity (ROE) | 28.0095% | 87 |
| Retained earnings to average equity (ytd only) | 16.7532% | 136 |
| Net charge-offs to loans | -0.0026% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7036% | 4,140 |
| Assets per employee ($millions) | 6.0510% | 2,716 |
| Cash dividends to net income (ytd only)* | 40.1877% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,885 |
| Loan loss allowance to noncurrent loans | 185.6046% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 2,249 |
| Noncurrent loans to loans | 0.6467% | 1,541 |
| Net loans and leases to total assets | 39.8630% | 4,099 |
| Net loans and leases to deposits | 44.4941% | 4,152 |
| Net loans and leases to core deposits | 45.2522% | 4,218 |
| Total domestic deposits to total assets | 89.5916% | 1,181 |
| Equity capital to assets | 9.6397% | 3,004 |
| Core capital (leverage) ratio | 9.8734% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1693% | 632 |
| Memoranda: | ||
| Average total assets | $182,646,600 | 3,192 |
| Average earning assets | $125,443,400 | 3,626 |
| Average equity | $17,883,200 | 3,397 |
| Average total loans | $76,627,200 | 3,530 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 1,535 |
| Cost of funding earning assets | 0.5041% | 1,026 |
| Net interest margin | 3.4928% | 1,882 |
| Noninterest income to average assets | 3.2296% | 179 |
| Noninterest expense to average assets | 2.9538% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7303% | 163 |
| Return on assets (ROA) | 2.7303% | 165 |
| Pretax return on assets | 2.7303% | 244 |
| Return on Equity (ROE) | 27.7654% | 115 |
| Retained earnings to average equity (ytd only) | 18.5838% | 177 |
| Net charge-offs to loans | 0.0035% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,826.5000% | 79 |
| Efficiency ratio | 51.9658% | 4,028 |
| Assets per employee ($millions) | 5.6011% | 3,099 |
| Cash dividends to net income (ytd only)* | 33.0687% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,813 |
| Loan loss allowance to noncurrent loans | 166.0345% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 2,203 |
| Noncurrent loans to loans | 0.7451% | 1,506 |
| Net loans and leases to total assets | 41.5947% | 4,118 |
| Net loans and leases to deposits | 46.8213% | 4,194 |
| Net loans and leases to core deposits | 47.8431% | 4,247 |
| Total domestic deposits to total assets | 88.8371% | 1,379 |
| Equity capital to assets | 10.1625% | 2,746 |
| Core capital (leverage) ratio | 9.8793% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0089% | 603 |
| Memoranda: | ||
| Average total assets | $178,387,250 | 3,255 |
| Average earning assets | $125,358,250 | 3,660 |
| Average equity | $17,541,750 | 3,465 |
| Average total loans | $75,642,250 | 3,605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 1,572 |
| Cost of funding earning assets | 0.5312% | 1,028 |
| Net interest margin | 3.4647% | 1,963 |
| Noninterest income to average assets | 2.8518% | 205 |
| Noninterest expense to average assets | 2.9948% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3366% | 271 |
| Return on assets (ROA) | 2.4070% | 261 |
| Pretax return on assets | 2.4070% | 409 |
| Return on Equity (ROE) | 24.7669% | 202 |
| Retained earnings to average equity (ytd only) | 15.3670% | 385 |
| Net charge-offs to loans | 0.0240% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 228.7778% | 461 |
| Efficiency ratio | 56.1728% | 3,520 |
| Assets per employee ($millions) | 5.5320% | 3,091 |
| Cash dividends to net income (ytd only)* | 37.9538% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,674 |
| Loan loss allowance to noncurrent loans | 163.6986% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 2,322 |
| Noncurrent loans to loans | 0.7641% | 1,580 |
| Net loans and leases to total assets | 41.3437% | 4,219 |
| Net loans and leases to deposits | 46.3497% | 4,296 |
| Net loans and leases to core deposits | 47.2209% | 4,358 |
| Total domestic deposits to total assets | 89.1994% | 1,184 |
| Equity capital to assets | 9.7932% | 3,065 |
| Core capital (leverage) ratio | 9.1126% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3270% | 523 |
| Memoranda: | ||
| Average total assets | $176,237,667 | 3,276 |
| Average earning assets | $126,128,333 | 3,666 |
| Average equity | $17,127,667 | 3,500 |
| Average total loans | $74,908,000 | 3,634 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 1,754 |
| Cost of funding earning assets | 0.5446% | 1,136 |
| Net interest margin | 3.3862% | 2,149 |
| Noninterest income to average assets | 2.6762% | 240 |
| Noninterest expense to average assets | 3.0345% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0846% | 504 |
| Return on assets (ROA) | 2.2279% | 430 |
| Pretax return on assets | 2.2279% | 656 |
| Return on Equity (ROE) | 23.0175% | 335 |
| Retained earnings to average equity (ytd only) | 13.3950% | 836 |
| Net charge-offs to loans | -0.0162% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2777% | 3,117 |
| Assets per employee ($millions) | 5.3478% | 3,278 |
| Cash dividends to net income (ytd only)* | 41.8050% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,517 |
| Loan loss allowance to noncurrent loans | 122.2222% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,128 |
| Noncurrent loans to loans | 1.0487% | 1,282 |
| Net loans and leases to total assets | 39.8330% | 4,356 |
| Net loans and leases to deposits | 44.2569% | 4,409 |
| Net loans and leases to core deposits | 45.1998% | 4,465 |
| Total domestic deposits to total assets | 90.0040% | 817 |
| Equity capital to assets | 8.9569% | 3,728 |
| Core capital (leverage) ratio | 9.9033% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6843% | 714 |
| Memoranda: | ||
| Average total assets | $173,079,000 | 3,300 |
| Average earning assets | $124,858,500 | 3,679 |
| Average equity | $16,752,500 | 3,535 |
| Average total loans | $74,146,500 | 3,666 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 873 |
| Cost of funding earning assets | 0.7897% | 1,252 |
| Net interest margin | 3.9223% | 1,157 |
| Noninterest income to average assets | 2.8776% | 210 |
| Noninterest expense to average assets | 3.5746% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.2773% | 170 |
| Return on assets (ROA) | 2.4827% | 142 |
| Pretax return on assets | 2.4827% | 192 |
| Return on Equity (ROE) | 23.2925% | 136 |
| Retained earnings to average equity (ytd only) | 10.3222% | 529 |
| Net charge-offs to loans | -0.0122% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0844% | 3,293 |
| Assets per employee ($millions) | 4.8177% | 3,589 |
| Cash dividends to net income (ytd only)* | 55.6846% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,282 |
| Loan loss allowance to noncurrent loans | 107.3415% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 1,864 |
| Noncurrent loans to loans | 1.2354% | 1,124 |
| Net loans and leases to total assets | 45.1637% | 4,184 |
| Net loans and leases to deposits | 50.9191% | 4,269 |
| Net loans and leases to core deposits | 52.4190% | 4,321 |
| Total domestic deposits to total assets | 88.6970% | 1,124 |
| Equity capital to assets | 10.5294% | 2,646 |
| Core capital (leverage) ratio | 10.0689% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1821% | 647 |
| Memoranda: | ||
| Average total assets | $145,609,600 | 3,449 |
| Average earning assets | $110,419,400 | 3,762 |
| Average equity | $15,520,000 | 3,607 |
| Average total loans | $73,729,800 | 3,665 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,410 |
| Cost of funding earning assets | 0.8344% | 1,340 |
| Net interest margin | 3.7307% | 1,838 |
| Noninterest income to average assets | 2.8050% | 204 |
| Noninterest expense to average assets | 3.7038% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9925% | 300 |
| Return on assets (ROA) | 2.0065% | 321 |
| Pretax return on assets | 2.0065% | 510 |
| Return on Equity (ROE) | 18.7617% | 308 |
| Retained earnings to average equity (ytd only) | 8.1759% | 1,248 |
| Net charge-offs to loans | -0.0090% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0214% | 2,590 |
| Assets per employee ($millions) | 4.1162% | 4,225 |
| Cash dividends to net income (ytd only)* | 56.4222% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,179 |
| Loan loss allowance to noncurrent loans | 56.6627% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 978 |
| Noncurrent loans to loans | 2.2856% | 492 |
| Net loans and leases to total assets | 46.8261% | 4,274 |
| Net loans and leases to deposits | 52.3725% | 4,397 |
| Net loans and leases to core deposits | 53.8143% | 4,457 |
| Total domestic deposits to total assets | 89.4097% | 611 |
| Equity capital to assets | 10.3416% | 2,925 |
| Core capital (leverage) ratio | 9.9646% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1567% | 571 |
| Memoranda: | ||
| Average total assets | $142,266,000 | 3,470 |
| Average earning assets | $110,255,000 | 3,750 |
| Average equity | $15,215,000 | 3,637 |
| Average total loans | $73,970,250 | 3,676 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 1,288 |
| Cost of funding earning assets | 0.9112% | 1,324 |
| Net interest margin | 3.8346% | 1,730 |
| Noninterest income to average assets | 2.7714% | 188 |
| Noninterest expense to average assets | 3.7209% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0182% | 323 |
| Return on assets (ROA) | 2.0182% | 354 |
| Pretax return on assets | 2.0182% | 527 |
| Return on Equity (ROE) | 18.6375% | 327 |
| Retained earnings to average equity (ytd only) | 7.8149% | 1,366 |
| Net charge-offs to loans | -0.0162% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8341% | 2,686 |
| Assets per employee ($millions) | 4.0074% | 4,307 |
| Cash dividends to net income (ytd only)* | 58.0692% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,297 |
| Loan loss allowance to noncurrent loans | 51.1702% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 873 |
| Noncurrent loans to loans | 2.4273% | 496 |
| Net loans and leases to total assets | 50.2298% | 4,154 |
| Net loans and leases to deposits | 56.0991% | 4,285 |
| Net loans and leases to core deposits | 57.8348% | 4,363 |
| Total domestic deposits to total assets | 89.5377% | 554 |
| Equity capital to assets | 10.3001% | 2,925 |
| Core capital (leverage) ratio | 10.5064% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4509% | 633 |
| Memoranda: | ||
| Average total assets | $137,549,000 | 3,510 |
| Average earning assets | $106,452,333 | 3,801 |
| Average equity | $14,894,667 | 3,668 |
| Average total loans | $73,892,000 | 3,684 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 875 |
| Cost of funding earning assets | 0.9850% | 1,487 |
| Net interest margin | 4.0693% | 1,199 |
| Noninterest income to average assets | 2.7961% | 167 |
| Noninterest expense to average assets | 3.9851% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9972% | 267 |
| Return on assets (ROA) | 1.9972% | 295 |
| Pretax return on assets | 1.9972% | 448 |
| Return on Equity (ROE) | 17.9317% | 272 |
| Retained earnings to average equity (ytd only) | 6.8140% | 1,603 |
| Net charge-offs to loans | -0.0222% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6153% | 2,871 |
| Assets per employee ($millions) | 3.7059% | 4,271 |
| Cash dividends to net income (ytd only)* | 62.0000% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,917 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 2,563 |
| Noncurrent loans to loans | 0.9279% | 1,770 |
| Net loans and leases to total assets | 51.1731% | 4,171 |
| Net loans and leases to deposits | 57.2549% | 4,310 |
| Net loans and leases to core deposits | 60.6126% | 4,330 |
| Total domestic deposits to total assets | 89.3777% | 521 |
| Equity capital to assets | 10.4794% | 3,342 |
| Core capital (leverage) ratio | 11.0430% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0369% | 742 |
| Memoranda: | ||
| Average total assets | $130,183,500 | 3,583 |
| Average earning assets | $101,933,000 | 3,852 |
| Average equity | $14,499,500 | 3,718 |
| Average total loans | $72,112,000 | 3,722 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 1,424 |
| Cost of funding earning assets | 0.9659% | 1,879 |
| Net interest margin | 4.0544% | 1,670 |
| Noninterest income to average assets | 2.3627% | 213 |
| Noninterest expense to average assets | 3.9976% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6822% | 687 |
| Return on assets (ROA) | 1.6822% | 735 |
| Pretax return on assets | 1.6822% | 1,242 |
| Return on Equity (ROE) | 15.1108% | 672 |
| Retained earnings to average equity (ytd only) | 7.8754% | 1,016 |
| Net charge-offs to loans | -0.0287% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3834% | 2,115 |
| Assets per employee ($millions) | 3.2434% | 4,676 |
| Cash dividends to net income (ytd only)* | 47.8820% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,887 |
| Loan loss allowance to noncurrent loans | 143.1138% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 2,266 |
| Noncurrent loans to loans | 0.9139% | 1,679 |
| Net loans and leases to total assets | 58.5323% | 3,717 |
| Net loans and leases to deposits | 68.5705% | 3,772 |
| Net loans and leases to core deposits | 73.6674% | 3,747 |
| Total domestic deposits to total assets | 85.3606% | 2,365 |
| Equity capital to assets | 11.8702% | 2,224 |
| Core capital (leverage) ratio | 11.4258% | 2,168 |
| Tier 1 risk-based capital ratio | 18.5104% | 1,630 |
| Total risk-based capital ratio | 19.7376% | 1,608 |
| Memoranda: | ||
| Average total assets | $124,898,800 | 3,631 |
| Average earning assets | $102,185,800 | 3,830 |
| Average equity | $13,904,000 | 3,766 |
| Average total loans | $73,058,600 | 3,718 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 1,635 |
| Cost of funding earning assets | 0.9448% | 2,012 |
| Net interest margin | 4.0206% | 1,867 |
| Noninterest income to average assets | 2.0705% | 249 |
| Noninterest expense to average assets | 3.9666% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4364% | 1,367 |
| Return on assets (ROA) | 1.4364% | 1,421 |
| Pretax return on assets | 1.4364% | 2,170 |
| Return on Equity (ROE) | 13.1169% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.2482% | 1,739 |
| Net charge-offs to loans | -0.0329% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4147% | 1,651 |
| Assets per employee ($millions) | 3.6483% | 4,337 |
| Cash dividends to net income (ytd only)* | 44.7404% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 1,967 |
| Loan loss allowance to noncurrent loans | 738.7597% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,217 |
| Noncurrent loans to loans | 0.1759% | 3,903 |
| Net loans and leases to total assets | 55.1097% | 4,097 |
| Net loans and leases to deposits | 62.2019% | 4,277 |
| Net loans and leases to core deposits | 66.3270% | 4,255 |
| Total domestic deposits to total assets | 88.5981% | 785 |
| Equity capital to assets | 10.9892% | 3,104 |
| Core capital (leverage) ratio | 11.4177% | 2,289 |
| Tier 1 risk-based capital ratio | 17.7954% | 1,881 |
| Total risk-based capital ratio | 19.0006% | 1,839 |
| Memoranda: | ||
| Average total assets | $125,311,000 | 3,658 |
| Average earning assets | $103,862,250 | 3,850 |
| Average equity | $13,722,500 | 3,827 |
| Average total loans | $73,049,000 | 3,760 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 1,559 |
| Cost of funding earning assets | 0.9807% | 1,789 |
| Net interest margin | 3.9909% | 1,952 |
| Noninterest income to average assets | 2.0129% | 264 |
| Noninterest expense to average assets | 4.0389% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2944% | 1,796 |
| Return on assets (ROA) | 1.2944% | 1,855 |
| Pretax return on assets | 1.2944% | 2,582 |
| Return on Equity (ROE) | 11.8348% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.8729% | 2,339 |
| Net charge-offs to loans | -0.0384% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7299% | 1,432 |
| Assets per employee ($millions) | 3.1476% | 4,810 |
| Cash dividends to net income (ytd only)* | 50.3759% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 1,998 |
| Loan loss allowance to noncurrent loans | 279.9410% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,454 |
| Noncurrent loans to loans | 0.4658% | 2,885 |
| Net loans and leases to total assets | 58.5102% | 3,863 |
| Net loans and leases to deposits | 67.9668% | 3,971 |
| Net loans and leases to core deposits | 75.0776% | 3,810 |
| Total domestic deposits to total assets | 86.0864% | 1,980 |
| Equity capital to assets | 11.4298% | 2,671 |
| Core capital (leverage) ratio | 11.3910% | 2,254 |
| Tier 1 risk-based capital ratio | 17.7551% | 1,867 |
| Total risk-based capital ratio | 18.9832% | 1,827 |
| Memoranda: | ||
| Average total assets | $123,302,000 | 3,706 |
| Average earning assets | $102,583,330 | 3,889 |
| Average equity | $13,485,670 | 3,865 |
| Average total loans | $72,954,330 | 3,783 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 1,235 |
| Cost of funding earning assets | 1.0353% | 1,429 |
| Net interest margin | 4.0050% | 1,844 |
| Noninterest income to average assets | 1.8353% | 278 |
| Noninterest expense to average assets | 3.9426% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2236% | 1,970 |
| Return on assets (ROA) | 1.2236% | 2,016 |
| Pretax return on assets | 1.2236% | 2,721 |
| Return on Equity (ROE) | 11.4433% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.3584% | 2,761 |
| Net charge-offs to loans | -0.0110% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 1,466 |
| Assets per employee ($millions) | 3.1276% | 4,893 |
| Cash dividends to net income (ytd only)* | 53.1746% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,216 |
| Loan loss allowance to noncurrent loans | 628.8591% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,192 |
| Noncurrent loans to loans | 0.2024% | 3,866 |
| Net loans and leases to total assets | 59.5702% | 3,748 |
| Net loans and leases to deposits | 75.1246% | 3,345 |
| Net loans and leases to core deposits | 81.2974% | 3,243 |
| Total domestic deposits to total assets | 79.2953% | 4,300 |
| Equity capital to assets | 11.0308% | 2,819 |
| Core capital (leverage) ratio | 10.9509% | 2,612 |
| Tier 1 risk-based capital ratio | 17.0892% | 2,082 |
| Total risk-based capital ratio | 18.2750% | 2,046 |
| Memoranda: | ||
| Average total assets | $123,574,000 | 3,738 |
| Average earning assets | $102,771,000 | 3,926 |
| Average equity | $13,213,000 | 3,917 |
| Average total loans | $73,044,000 | 3,817 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,493 |
| Cost of funding earning assets | 0.8901% | 1,136 |
| Net interest margin | 3.9328% | 2,217 |
| Noninterest income to average assets | 2.4386% | 205 |
| Noninterest expense to average assets | 3.7169% | 756 |
| Loan and lease loss provision to assets | 0.0424% | 3,339 |
| Net operating income to assets | 1.9114% | 432 |
| Return on assets (ROA) | 1.9114% | 428 |
| Pretax return on assets | 1.9114% | 698 |
| Return on Equity (ROE) | 18.0863% | 381 |
| Retained earnings to average equity (ytd only) | 6.7854% | 1,763 |
| Net charge-offs to loans | -0.0074% | 4,424 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5456% | 2,942 |
| Assets per employee ($millions) | 4.1724% | 3,647 |
| Cash dividends to net income (ytd only)* | 62.4834% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,098 |
| Loan loss allowance to noncurrent loans | 607.1429% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 4,207 |
| Noncurrent loans to loans | 0.2124% | 3,816 |
| Net loans and leases to total assets | 57.1650% | 4,035 |
| Net loans and leases to deposits | 75.5746% | 3,381 |
| Net loans and leases to core deposits | 82.1478% | 3,251 |
| Total domestic deposits to total assets | 75.6405% | 4,789 |
| Equity capital to assets | 10.3626% | 3,316 |
| Core capital (leverage) ratio | 11.0115% | 2,517 |
| Tier 1 risk-based capital ratio | 16.8594% | 2,113 |
| Total risk-based capital ratio | 18.0424% | 2,081 |
| Memoranda: | ||
| Average total assets | $117,976,200 | 3,822 |
| Average earning assets | $96,953,400 | 4,021 |
| Average equity | $12,468,000 | 3,964 |
| Average total loans | $67,470,800 | 3,924 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 1,332 |
| Cost of funding earning assets | 0.8335% | 1,181 |
| Net interest margin | 4.0009% | 1,953 |
| Noninterest income to average assets | 2.6350% | 191 |
| Noninterest expense to average assets | 3.5910% | 864 |
| Loan and lease loss provision to assets | 0.0574% | 2,833 |
| Net operating income to assets | 2.2700% | 239 |
| Return on assets (ROA) | 2.2700% | 239 |
| Pretax return on assets | 2.2700% | 358 |
| Return on Equity (ROE) | 21.3328% | 192 |
| Retained earnings to average equity (ytd only) | 10.4831% | 769 |
| Net charge-offs to loans | -0.0080% | 4,338 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6748% | 3,707 |
| Assets per employee ($millions) | 3.4367% | 4,639 |
| Cash dividends to net income (ytd only)* | 50.8594% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,017 |
| Loan loss allowance to noncurrent loans | 559.2814% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 4,236 |
| Noncurrent loans to loans | 0.2355% | 3,859 |
| Net loans and leases to total assets | 59.8795% | 3,855 |
| Net loans and leases to deposits | 74.7449% | 3,530 |
| Net loans and leases to core deposits | 81.7202% | 3,350 |
| Total domestic deposits to total assets | 80.1118% | 4,092 |
| Equity capital to assets | 10.8697% | 2,781 |
| Core capital (leverage) ratio | 11.1332% | 2,474 |
| Tier 1 risk-based capital ratio | 17.9151% | 1,815 |
| Total risk-based capital ratio | 19.1654% | 1,779 |
| Memoranda: | ||
| Average total assets | $116,177,500 | 3,891 |
| Average earning assets | $95,343,500 | 4,090 |
| Average equity | $12,362,500 | 4,011 |
| Average total loans | $66,216,250 | 3,990 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,065 |
| Cost of funding earning assets | 0.7812% | 1,212 |
| Net interest margin | 4.0981% | 1,568 |
| Noninterest income to average assets | 3.0305% | 159 |
| Noninterest expense to average assets | 3.7515% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5907% | 133 |
| Return on assets (ROA) | 2.5907% | 134 |
| Pretax return on assets | 2.5907% | 196 |
| Return on Equity (ROE) | 24.5773% | 98 |
| Retained earnings to average equity (ytd only) | 8.1161% | 1,574 |
| Net charge-offs to loans | -0.0124% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1515% | 4,062 |
| Assets per employee ($millions) | 3.6270% | 4,430 |
| Cash dividends to net income (ytd only)* | 66.9774% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,247 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,299 |
| Noncurrent loans to loans | 0.2469% | 3,816 |
| Net loans and leases to total assets | 55.1149% | 4,235 |
| Net loans and leases to deposits | 69.6394% | 3,893 |
| Net loans and leases to core deposits | 75.6102% | 3,770 |
| Total domestic deposits to total assets | 79.1432% | 4,405 |
| Equity capital to assets | 10.1276% | 3,509 |
| Core capital (leverage) ratio | 11.3617% | 2,194 |
| Tier 1 risk-based capital ratio | 16.8919% | 2,132 |
| Total risk-based capital ratio | 18.0429% | 2,111 |
| Memoranda: | ||
| Average total assets | $115,954,000 | 3,929 |
| Average earning assets | $93,701,670 | 4,150 |
| Average equity | $12,222,670 | 4,055 |
| Average total loans | $64,654,330 | 4,055 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 710 |
| Cost of funding earning assets | 0.7633% | 1,131 |
| Net interest margin | 4.2284% | 1,105 |
| Noninterest income to average assets | 1.6959% | 350 |
| Noninterest expense to average assets | 4.0509% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1187% | 2,342 |
| Return on assets (ROA) | 1.1187% | 2,360 |
| Pretax return on assets | 1.1187% | 3,104 |
| Return on Equity (ROE) | 10.3892% | 2,236 |
| Retained earnings to average equity (ytd only) | -9.5951% | 5,357 |
| Net charge-offs to loans | -0.0128% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3598% | 1,319 |
| Assets per employee ($millions) | 3.4217% | 4,766 |
| Cash dividends to net income (ytd only)* | 192.3567% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,793 |
| Loan loss allowance to noncurrent loans | 119.1892% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,353 |
| Noncurrent loans to loans | 1.1848% | 1,546 |
| Net loans and leases to total assets | 54.5313% | 4,241 |
| Net loans and leases to deposits | 63.5268% | 4,236 |
| Net loans and leases to core deposits | 67.6749% | 4,233 |
| Total domestic deposits to total assets | 85.8398% | 2,616 |
| Equity capital to assets | 10.4344% | 3,139 |
| Core capital (leverage) ratio | 10.9395% | 2,501 |
| Tier 1 risk-based capital ratio | 16.9598% | 2,129 |
| Total risk-based capital ratio | 18.1871% | 2,084 |
| Memoranda: | ||
| Average total assets | $112,272,500 | 4,024 |
| Average earning assets | $92,232,500 | 4,226 |
| Average equity | $12,089,500 | 4,108 |
| Average total loans | $62,556,500 | 4,139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 1,061 |
| Cost of funding earning assets | 0.5486% | 1,962 |
| Net interest margin | 4.2093% | 1,174 |
| Noninterest income to average assets | 1.4523% | 503 |
| Noninterest expense to average assets | 3.9680% | 559 |
| Loan and lease loss provision to assets | -0.2954% | 5,612 |
| Net operating income to assets | 1.2928% | 1,243 |
| Return on assets (ROA) | 1.2928% | 1,260 |
| Pretax return on assets | 1.2928% | 2,378 |
| Return on Equity (ROE) | 10.7612% | 1,563 |
| Retained earnings to average equity (ytd only) | 5.8109% | 1,651 |
| Net charge-offs to loans | -0.0421% | 5,140 |
| Credit loss provision to net charge-offs | 1,304.3478% | 297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9128% | 1,114 |
| Assets per employee ($millions) | 3.4884% | 4,713 |
| Cash dividends to net income (ytd only)* | 46.0015% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,747 |
| Loan loss allowance to noncurrent loans | 483.5165% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,328 |
| Noncurrent loans to loans | 0.2905% | 3,740 |
| Net loans and leases to total assets | 55.3409% | 4,246 |
| Net loans and leases to deposits | 70.5233% | 3,833 |
| Net loans and leases to core deposits | 73.5117% | 3,916 |
| Total domestic deposits to total assets | 78.4717% | 4,644 |
| Equity capital to assets | 11.1054% | 2,536 |
| Core capital (leverage) ratio | 11.7369% | 1,771 |
| Tier 1 risk-based capital ratio | 17.9237% | 1,823 |
| Total risk-based capital ratio | 19.1733% | 1,769 |
| Memoranda: | ||
| Average total assets | $101,562,000 | 4,209 |
| Average earning assets | $84,765,600 | 4,383 |
| Average equity | $12,201,200 | 4,108 |
| Average total loans | $54,643,400 | 4,340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 1,012 |
| Cost of funding earning assets | 0.5293% | 2,039 |
| Net interest margin | 4.2267% | 1,096 |
| Noninterest income to average assets | 1.4148% | 534 |
| Noninterest expense to average assets | 3.9590% | 548 |
| Loan and lease loss provision to assets | -0.4038% | 5,703 |
| Net operating income to assets | 1.3960% | 1,098 |
| Return on assets (ROA) | 1.3960% | 1,120 |
| Pretax return on assets | 1.3960% | 2,132 |
| Return on Equity (ROE) | 11.3776% | 1,535 |
| Retained earnings to average equity (ytd only) | 4.7507% | 3,049 |
| Net charge-offs to loans | -0.0431% | 5,117 |
| Credit loss provision to net charge-offs | 1,764.7059% | 225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9619% | 1,110 |
| Assets per employee ($millions) | 3.4321% | 4,824 |
| Cash dividends to net income (ytd only)* | 58.2448% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,492 |
| Loan loss allowance to noncurrent loans | 460.0000% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 4,388 |
| Noncurrent loans to loans | 0.3288% | 3,771 |
| Net loans and leases to total assets | 53.4941% | 4,456 |
| Net loans and leases to deposits | 60.9838% | 4,583 |
| Net loans and leases to core deposits | 63.5695% | 4,623 |
| Total domestic deposits to total assets | 87.7184% | 1,508 |
| Equity capital to assets | 11.6406% | 2,239 |
| Core capital (leverage) ratio | 12.0964% | 1,629 |
| Tier 1 risk-based capital ratio | 18.2780% | 1,783 |
| Total risk-based capital ratio | 19.5287% | 1,745 |
| Memoranda: | ||
| Average total assets | $99,045,000 | 4,297 |
| Average earning assets | $82,868,750 | 4,462 |
| Average equity | $12,152,250 | 4,151 |
| Average total loans | $52,640,000 | 4,430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 636 |
| Cost of funding earning assets | 0.5228% | 1,984 |
| Net interest margin | 4.4170% | 680 |
| Noninterest income to average assets | 1.2133% | 702 |
| Noninterest expense to average assets | 3.8946% | 593 |
| Loan and lease loss provision to assets | -0.6212% | 5,768 |
| Net operating income to assets | 1.6481% | 629 |
| Return on assets (ROA) | 1.6481% | 649 |
| Pretax return on assets | 1.6481% | 1,199 |
| Return on Equity (ROE) | 13.1846% | 985 |
| Retained earnings to average equity (ytd only) | 9.8553% | 614 |
| Net charge-offs to loans | -0.0432% | 5,110 |
| Credit loss provision to net charge-offs | 2,727.2727% | 157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1334% | 1,321 |
| Assets per employee ($millions) | 3.2366% | 5,052 |
| Cash dividends to net income (ytd only)* | 25.2513% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 1,081 |
| Loan loss allowance to noncurrent loans | 425.4902% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,329 |
| Noncurrent loans to loans | 0.3966% | 3,605 |
| Net loans and leases to total assets | 52.0742% | 4,563 |
| Net loans and leases to deposits | 60.0176% | 4,623 |
| Net loans and leases to core deposits | 62.6501% | 4,686 |
| Total domestic deposits to total assets | 86.7649% | 2,059 |
| Equity capital to assets | 13.0198% | 1,370 |
| Core capital (leverage) ratio | 12.8126% | 1,250 |
| Tier 1 risk-based capital ratio | 20.1034% | 1,351 |
| Total risk-based capital ratio | 21.3554% | 1,318 |
| Memoranda: | ||
| Average total assets | $96,595,000 | 4,366 |
| Average earning assets | $81,096,670 | 4,514 |
| Average equity | $12,074,670 | 4,173 |
| Average total loans | $50,923,670 | 4,505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 430 |
| Cost of funding earning assets | 0.5187% | 1,949 |
| Net interest margin | 4.6043% | 442 |
| Noninterest income to average assets | 1.0795% | 858 |
| Noninterest expense to average assets | 3.6245% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3618% | 1,088 |
| Return on assets (ROA) | 1.3618% | 1,125 |
| Pretax return on assets | 1.3618% | 2,023 |
| Return on Equity (ROE) | 11.1271% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.1271% | 586 |
| Net charge-offs to loans | -0.0474% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6894% | 2,455 |
| Assets per employee ($millions) | 3.2420% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 362 |
| Loan loss allowance to noncurrent loans | 556.4593% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,361 |
| Noncurrent loans to loans | 0.4273% | 3,561 |
| Net loans and leases to total assets | 49.0968% | 4,743 |
| Net loans and leases to deposits | 56.1881% | 4,806 |
| Net loans and leases to core deposits | 57.1552% | 4,917 |
| Total domestic deposits to total assets | 87.3793% | 2,043 |
| Equity capital to assets | 12.3955% | 1,597 |
| Core capital (leverage) ratio | 12.5678% | 1,303 |
| Tier 1 risk-based capital ratio | 21.1524% | 1,200 |
| Total risk-based capital ratio | 22.4121% | 1,176 |
| Memoranda: | ||
| Average total assets | $96,343,500 | 4,420 |
| Average earning assets | $81,749,000 | 4,556 |
| Average equity | $11,791,000 | 4,251 |
| Average total loans | $50,670,000 | 4,540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 750 |
| Cost of funding earning assets | 0.6876% | 866 |
| Net interest margin | 4.2046% | 1,104 |
| Noninterest income to average assets | 1.3443% | 633 |
| Noninterest expense to average assets | 3.4167% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6035% | 676 |
| Return on assets (ROA) | 1.6067% | 695 |
| Pretax return on assets | 1.6067% | 1,260 |
| Return on Equity (ROE) | 11.9944% | 1,250 |
| Retained earnings to average equity (ytd only) | 0.6824% | 5,054 |
| Net charge-offs to loans | -0.0058% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0591% | 3,219 |
| Assets per employee ($millions) | 3.4081% | 4,893 |
| Cash dividends to net income (ytd only)* | 94.3106% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 464 |
| Loan loss allowance to noncurrent loans | 318.7328% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 2,207 |
| Noncurrent loans to loans | 0.6924% | 2,807 |
| Net loans and leases to total assets | 53.7254% | 4,459 |
| Net loans and leases to deposits | 62.2079% | 4,526 |
| Net loans and leases to core deposits | 63.5283% | 4,662 |
| Total domestic deposits to total assets | 86.3643% | 2,425 |
| Equity capital to assets | 12.0785% | 1,751 |
| Core capital (leverage) ratio | 12.3384% | 1,415 |
| Tier 1 risk-based capital ratio | 20.4089% | 1,301 |
| Total risk-based capital ratio | 21.6679% | 1,275 |
| Memoranda: | ||
| Average total assets | $92,983,800 | 4,489 |
| Average earning assets | $81,292,400 | 4,560 |
| Average equity | $12,455,800 | 4,179 |
| Average total loans | $51,595,000 | 4,533 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 801 |
| Cost of funding earning assets | 0.7250% | 718 |
| Net interest margin | 4.1307% | 1,310 |
| Noninterest income to average assets | 1.3727% | 625 |
| Noninterest expense to average assets | 3.3602% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6556% | 651 |
| Return on assets (ROA) | 1.6599% | 686 |
| Pretax return on assets | 1.6599% | 1,221 |
| Return on Equity (ROE) | 12.0844% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.8496% | 1,229 |
| Net charge-offs to loans | 0.0234% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 127.4417% | 540 |
| Efficiency ratio | 66.9928% | 3,426 |
| Assets per employee ($millions) | 3.2070% | 5,171 |
| Cash dividends to net income (ytd only)* | 35.0434% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 516 |
| Loan loss allowance to noncurrent loans | 306.1497% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 2,279 |
| Noncurrent loans to loans | 0.7196% | 2,872 |
| Net loans and leases to total assets | 54.6531% | 4,433 |
| Net loans and leases to deposits | 63.8708% | 4,497 |
| Net loans and leases to core deposits | 65.9500% | 4,610 |
| Total domestic deposits to total assets | 85.5682% | 2,571 |
| Equity capital to assets | 14.1737% | 976 |
| Core capital (leverage) ratio | 13.2838% | 1,075 |
| Tier 1 risk-based capital ratio | 20.7411% | 1,313 |
| Total risk-based capital ratio | 21.9990% | 1,287 |
| Memoranda: | ||
| Average total assets | $92,373,250 | 4,542 |
| Average earning assets | $81,470,000 | 4,592 |
| Average equity | $12,688,250 | 4,177 |
| Average total loans | $51,387,500 | 4,575 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 790 |
| Cost of funding earning assets | 0.7520% | 621 |
| Net interest margin | 4.1028% | 1,360 |
| Noninterest income to average assets | 1.5494% | 509 |
| Noninterest expense to average assets | 3.3658% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8185% | 464 |
| Return on assets (ROA) | 1.8250% | 482 |
| Pretax return on assets | 1.8250% | 835 |
| Return on Equity (ROE) | 13.4306% | 943 |
| Retained earnings to average equity (ytd only) | 6.9948% | 1,603 |
| Net charge-offs to loans | 0.0820% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 39.9048% | 1,162 |
| Efficiency ratio | 64.9226% | 3,857 |
| Assets per employee ($millions) | 3.2813% | 5,099 |
| Cash dividends to net income (ytd only)* | 47.9191% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 505 |
| Loan loss allowance to noncurrent loans | 169.3572% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 1,648 |
| Noncurrent loans to loans | 1.3305% | 1,691 |
| Net loans and leases to total assets | 53.4960% | 4,553 |
| Net loans and leases to deposits | 62.3707% | 4,626 |
| Net loans and leases to core deposits | 64.4126% | 4,715 |
| Total domestic deposits to total assets | 85.7710% | 2,532 |
| Equity capital to assets | 14.0200% | 1,015 |
| Core capital (leverage) ratio | 13.1035% | 1,117 |
| Tier 1 risk-based capital ratio | 21.2834% | 1,229 |
| Total risk-based capital ratio | 22.5421% | 1,208 |
| Memoranda: | ||
| Average total assets | $92,163,330 | 4,576 |
| Average earning assets | $81,652,330 | 4,630 |
| Average equity | $12,523,670 | 4,228 |
| Average total loans | $51,192,000 | 4,607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 694 |
| Cost of funding earning assets | 0.7779% | 552 |
| Net interest margin | 4.1211% | 1,284 |
| Noninterest income to average assets | 2.2577% | 293 |
| Noninterest expense to average assets | 3.3367% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.5480% | 146 |
| Return on assets (ROA) | 2.5524% | 149 |
| Pretax return on assets | 2.5524% | 219 |
| Return on Equity (ROE) | 19.0846% | 289 |
| Retained earnings to average equity (ytd only) | 19.0846% | 110 |
| Net charge-offs to loans | 0.2014% | 990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.6154% | 1,395 |
| Efficiency ratio | 56.7010% | 5,129 |
| Assets per employee ($millions) | 3.3947% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 572 |
| Loan loss allowance to noncurrent loans | 148.4848% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 1,553 |
| Noncurrent loans to loans | 1.4983% | 1,563 |
| Net loans and leases to total assets | 54.0401% | 4,449 |
| Net loans and leases to deposits | 62.9389% | 4,513 |
| Net loans and leases to core deposits | 65.0013% | 4,622 |
| Total domestic deposits to total assets | 85.8613% | 2,727 |
| Equity capital to assets | 13.9216% | 1,016 |
| Core capital (leverage) ratio | 13.0485% | 1,142 |
| Tier 1 risk-based capital ratio | 21.6734% | 1,207 |
| Total risk-based capital ratio | 22.9325% | 1,188 |
| Memoranda: | ||
| Average total assets | $92,307,000 | 4,612 |
| Average earning assets | $81,240,000 | 4,677 |
| Average equity | $12,345,000 | 4,276 |
| Average total loans | $51,646,500 | 4,627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 749 |
| Cost of funding earning assets | 0.8334% | 416 |
| Net interest margin | 4.0772% | 1,468 |
| Noninterest income to average assets | 0.8427% | 1,630 |
| Noninterest expense to average assets | 3.3633% | 1,567 |
| Loan and lease loss provision to assets | -0.1080% | 5,866 |
| Net operating income to assets | 1.2074% | 1,521 |
| Return on assets (ROA) | 1.2074% | 1,591 |
| Pretax return on assets | 1.2074% | 2,633 |
| Return on Equity (ROE) | 9.8996% | 2,045 |
| Retained earnings to average equity (ytd only) | 6.4365% | 1,578 |
| Net charge-offs to loans | -0.3388% | 6,027 |
| Credit loss provision to net charge-offs | 58.5227% | 3,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3640% | 2,374 |
| Assets per employee ($millions) | 3.4429% | 4,917 |
| Cash dividends to net income (ytd only)* | 34.9826% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 601 |
| Loan loss allowance to noncurrent loans | 136.2456% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 1,439 |
| Noncurrent loans to loans | 1.6092% | 1,427 |
| Net loans and leases to total assets | 55.3809% | 4,351 |
| Net loans and leases to deposits | 64.0542% | 4,464 |
| Net loans and leases to core deposits | 66.1030% | 4,583 |
| Total domestic deposits to total assets | 86.4595% | 2,400 |
| Equity capital to assets | 12.8338% | 1,440 |
| Core capital (leverage) ratio | 12.2865% | 1,459 |
| Tier 1 risk-based capital ratio | 20.5307% | 1,372 |
| Total risk-based capital ratio | 21.7905% | 1,348 |
| Memoranda: | ||
| Average total assets | $95,413,200 | 4,555 |
| Average earning assets | $84,714,200 | 4,615 |
| Average equity | $11,636,800 | 4,362 |
| Average total loans | $51,943,400 | 4,611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 814 |
| Cost of funding earning assets | 0.8362% | 409 |
| Net interest margin | 4.0381% | 1,586 |
| Noninterest income to average assets | 0.7248% | 2,129 |
| Noninterest expense to average assets | 3.1990% | 1,969 |
| Loan and lease loss provision to assets | -0.1430% | 6,054 |
| Net operating income to assets | 1.2760% | 1,406 |
| Return on assets (ROA) | 1.2760% | 1,463 |
| Pretax return on assets | 1.2760% | 2,490 |
| Return on Equity (ROE) | 10.5963% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.5963% | 540 |
| Net charge-offs to loans | -0.5074% | 6,156 |
| Credit loss provision to net charge-offs | 52.2843% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8462% | 2,581 |
| Assets per employee ($millions) | 3.5787% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 590 |
| Loan loss allowance to noncurrent loans | 186.2124% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2003% | 870 |
| Noncurrent loans to loans | 1.2197% | 2,096 |
| Net loans and leases to total assets | 52.3250% | 4,724 |
| Net loans and leases to deposits | 59.9907% | 4,859 |
| Net loans and leases to core deposits | 61.8209% | 4,950 |
| Total domestic deposits to total assets | 87.2217% | 1,930 |
| Equity capital to assets | 12.5247% | 1,732 |
| Core capital (leverage) ratio | 12.1307% | 1,601 |
| Tier 1 risk-based capital ratio | 20.7903% | 1,386 |
| Total risk-based capital ratio | 22.0496% | 1,354 |
| Memoranda: | ||
| Average total assets | $96,027,000 | 4,591 |
| Average earning assets | $85,781,000 | 4,643 |
| Average equity | $11,563,500 | 4,430 |
| Average total loans | $51,770,500 | 4,666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 679 |
| Cost of funding earning assets | 0.8603% | 361 |
| Net interest margin | 4.0735% | 1,430 |
| Noninterest income to average assets | 0.7722% | 1,910 |
| Noninterest expense to average assets | 3.2684% | 1,795 |
| Loan and lease loss provision to assets | 0.2024% | 964 |
| Net operating income to assets | 0.9183% | 2,791 |
| Return on assets (ROA) | 0.9183% | 2,918 |
| Pretax return on assets | 0.9183% | 3,890 |
| Return on Equity (ROE) | 7.7301% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.7301% | 1,376 |
| Net charge-offs to loans | 0.1352% | 1,688 |
| Credit loss provision to net charge-offs | 277.1429% | 979 |
| Earnings coverage of net charge-offs (x) | 15.3429% | 1,984 |
| Efficiency ratio | 74.4650% | 2,623 |
| Assets per employee ($millions) | 3.8162% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 685 |
| Loan loss allowance to noncurrent loans | 110.6383% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 730 |
| Noncurrent loans to loans | 2.0320% | 1,190 |
| Net loans and leases to total assets | 50.1340% | 4,921 |
| Net loans and leases to deposits | 56.8043% | 5,075 |
| Net loans and leases to core deposits | 58.4634% | 5,168 |
| Total domestic deposits to total assets | 88.2574% | 1,513 |
| Equity capital to assets | 11.4493% | 2,461 |
| Core capital (leverage) ratio | 11.5976% | 1,924 |
| Tier 1 risk-based capital ratio | 19.8074% | 1,597 |
| Total risk-based capital ratio | 21.0664% | 1,551 |
| Memoranda: | ||
| Average total assets | $95,827,670 | 4,636 |
| Average earning assets | $85,086,000 | 4,704 |
| Average equity | $11,384,000 | 4,489 |
| Average total loans | $51,782,670 | 4,702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 417 |
| Cost of funding earning assets | 0.8712% | 332 |
| Net interest margin | 4.3085% | 860 |
| Noninterest income to average assets | 1.2493% | 733 |
| Noninterest expense to average assets | 3.5015% | 1,304 |
| Loan and lease loss provision to assets | 0.3272% | 417 |
| Net operating income to assets | 1.2663% | 1,365 |
| Return on assets (ROA) | 1.2663% | 1,446 |
| Pretax return on assets | 1.2663% | 2,397 |
| Return on Equity (ROE) | 10.4598% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.4598% | 819 |
| Net charge-offs to loans | 0.2680% | 894 |
| Credit loss provision to net charge-offs | 220.0000% | 989 |
| Earnings coverage of net charge-offs (x) | 10.7143% | 1,915 |
| Efficiency ratio | 68.7239% | 3,707 |
| Assets per employee ($millions) | 3.7100% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2190% | 787 |
| Loan loss allowance to noncurrent loans | 87.2671% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 4.5728% | 289 |
| Noncurrent loans to loans | 2.5428% | 952 |
| Net loans and leases to total assets | 51.3461% | 4,714 |
| Net loans and leases to deposits | 58.5629% | 4,874 |
| Net loans and leases to core deposits | 60.3343% | 4,969 |
| Total domestic deposits to total assets | 87.6769% | 1,999 |
| Equity capital to assets | 12.1064% | 1,953 |
| Core capital (leverage) ratio | 11.8005% | 1,777 |
| Tier 1 risk-based capital ratio | 19.3639% | 1,773 |
| Total risk-based capital ratio | 20.6223% | 1,723 |
| Memoranda: | ||
| Average total assets | $94,131,500 | 4,717 |
| Average earning assets | $84,019,500 | 4,776 |
| Average equity | $11,396,000 | 4,523 |
| Average total loans | $52,230,500 | 4,727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 539 |
| Cost of funding earning assets | 0.9717% | 260 |
| Net interest margin | 4.2096% | 1,271 |
| Noninterest income to average assets | 0.7112% | 2,248 |
| Noninterest expense to average assets | 3.3195% | 1,878 |
| Loan and lease loss provision to assets | 1.1631% | 84 |
| Net operating income to assets | -0.0391% | 6,116 |
| Return on assets (ROA) | 0.2625% | 5,684 |
| Pretax return on assets | 0.2625% | 5,770 |
| Return on Equity (ROE) | 2.4280% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.4280% | 4,503 |
| Net charge-offs to loans | 2.0316% | 94 |
| Credit loss provision to net charge-offs | 98.5179% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.9520% | 4,528 |
| Efficiency ratio | 74.7047% | 2,715 |
| Assets per employee ($millions) | 3.6721% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 1,096 |
| Loan loss allowance to noncurrent loans | 57.5919% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 5.3931% | 238 |
| Noncurrent loans to loans | 3.4883% | 588 |
| Net loans and leases to total assets | 57.4356% | 4,129 |
| Net loans and leases to deposits | 65.5303% | 4,374 |
| Net loans and leases to core deposits | 67.6126% | 4,542 |
| Total domestic deposits to total assets | 87.6473% | 1,958 |
| Equity capital to assets | 12.1065% | 1,943 |
| Core capital (leverage) ratio | 11.5065% | 1,966 |
| Tier 1 risk-based capital ratio | 18.3707% | 2,027 |
| Total risk-based capital ratio | 19.6274% | 1,990 |
| Memoranda: | ||
| Average total assets | $97,154,000 | 4,672 |
| Average earning assets | $86,136,400 | 4,733 |
| Average equity | $10,502,400 | 4,654 |
| Average total loans | $56,458,400 | 4,602 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 543 |
| Cost of funding earning assets | 0.9951% | 255 |
| Net interest margin | 4.1850% | 1,335 |
| Noninterest income to average assets | 0.5496% | 3,205 |
| Noninterest expense to average assets | 3.2841% | 1,939 |
| Loan and lease loss provision to assets | 1.0870% | 102 |
| Net operating income to assets | -0.1097% | 6,224 |
| Return on assets (ROA) | -0.1097% | 6,230 |
| Pretax return on assets | -0.1097% | 6,209 |
| Return on Equity (ROE) | -1.0435% | 6,230 |
| Retained earnings to average equity (ytd only) | -1.0435% | 5,970 |
| Net charge-offs to loans | 2.3015% | 79 |
| Credit loss provision to net charge-offs | 81.4402% | 2,567 |
| Earnings coverage of net charge-offs (x) | 0.7323% | 4,326 |
| Efficiency ratio | 77.0648% | 2,344 |
| Assets per employee ($millions) | 3.8675% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 1,995 |
| Loan loss allowance to noncurrent loans | 51.6949% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 6.4093% | 200 |
| Noncurrent loans to loans | 3.2740% | 765 |
| Net loans and leases to total assets | 54.9675% | 4,464 |
| Net loans and leases to deposits | 62.1704% | 4,724 |
| Net loans and leases to core deposits | 64.0256% | 4,877 |
| Total domestic deposits to total assets | 88.4143% | 1,546 |
| Equity capital to assets | 11.2093% | 2,749 |
| Core capital (leverage) ratio | 11.0034% | 2,478 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,681 |
| Total risk-based capital ratio | 18.0710% | 2,627 |
| Memoranda: | ||
| Average total assets | $98,492,000 | 4,681 |
| Average earning assets | $87,357,250 | 4,762 |
| Average equity | $10,349,500 | 4,719 |
| Average total loans | $57,121,000 | 4,623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 636 |
| Cost of funding earning assets | 1.0142% | 243 |
| Net interest margin | 4.0703% | 1,605 |
| Noninterest income to average assets | 0.4723% | 3,693 |
| Noninterest expense to average assets | 3.2717% | 1,990 |
| Loan and lease loss provision to assets | 1.4653% | 59 |
| Net operating income to assets | -0.6519% | 6,477 |
| Return on assets (ROA) | -0.6519% | 6,476 |
| Pretax return on assets | -0.6519% | 6,461 |
| Return on Equity (ROE) | -6.3416% | 6,467 |
| Retained earnings to average equity (ytd only) | -6.3416% | 6,313 |
| Net charge-offs to loans | 3.0581% | 50 |
| Credit loss provision to net charge-offs | 81.6648% | 2,308 |
| Earnings coverage of net charge-offs (x) | 0.4533% | 4,039 |
| Efficiency ratio | 80.0889% | 2,012 |
| Assets per employee ($millions) | 3.9081% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,135 |
| Loan loss allowance to noncurrent loans | 38.1477% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 6.4461% | 215 |
| Noncurrent loans to loans | 4.4540% | 501 |
| Net loans and leases to total assets | 55.3658% | 4,370 |
| Net loans and leases to deposits | 62.2622% | 4,668 |
| Net loans and leases to core deposits | 64.3494% | 4,786 |
| Total domestic deposits to total assets | 88.9236% | 1,398 |
| Equity capital to assets | 10.7284% | 3,169 |
| Core capital (leverage) ratio | 10.6574% | 2,765 |
| Tier 1 risk-based capital ratio | 15.8842% | 3,152 |
| Total risk-based capital ratio | 17.1372% | 3,085 |
| Memoranda: | ||
| Average total assets | $99,093,330 | 4,707 |
| Average earning assets | $87,954,670 | 4,777 |
| Average equity | $10,186,670 | 4,763 |
| Average total loans | $58,140,670 | 4,608 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 448 |
| Cost of funding earning assets | 1.0424% | 222 |
| Net interest margin | 4.2057% | 1,201 |
| Noninterest income to average assets | 0.8538% | 1,543 |
| Noninterest expense to average assets | 3.0144% | 2,822 |
| Loan and lease loss provision to assets | 2.7378% | 22 |
| Net operating income to assets | -1.1464% | 6,592 |
| Return on assets (ROA) | -1.1464% | 6,588 |
| Pretax return on assets | -1.1464% | 6,580 |
| Return on Equity (ROE) | -11.3956% | 6,578 |
| Retained earnings to average equity (ytd only) | -11.3956% | 6,400 |
| Net charge-offs to loans | 5.7759% | 18 |
| Credit loss provision to net charge-offs | 79.2343% | 1,905 |
| Earnings coverage of net charge-offs (x) | 0.4606% | 3,342 |
| Efficiency ratio | 65.4482% | 4,618 |
| Assets per employee ($millions) | 3.9968% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,719 |
| Loan loss allowance to noncurrent loans | 17.4094% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 8.1594% | 162 |
| Noncurrent loans to loans | 9.1719% | 122 |
| Net loans and leases to total assets | 56.6177% | 4,063 |
| Net loans and leases to deposits | 63.2136% | 4,406 |
| Net loans and leases to core deposits | 65.4629% | 4,555 |
| Total domestic deposits to total assets | 89.5658% | 1,334 |
| Equity capital to assets | 10.1240% | 3,692 |
| Core capital (leverage) ratio | 10.5376% | 2,882 |
| Tier 1 risk-based capital ratio | 15.8675% | 3,234 |
| Total risk-based capital ratio | 17.1193% | 3,197 |
| Memoranda: | ||
| Average total assets | $99,788,500 | 4,744 |
| Average earning assets | $89,022,000 | 4,798 |
| Average equity | $10,039,000 | 4,807 |
| Average total loans | $59,696,500 | 4,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 708 |
| Cost of funding earning assets | 1.3315% | 97 |
| Net interest margin | 3.8197% | 2,571 |
| Noninterest income to average assets | 0.5651% | 3,296 |
| Noninterest expense to average assets | 3.3257% | 2,065 |
| Loan and lease loss provision to assets | 0.2459% | 1,470 |
| Net operating income to assets | 0.5342% | 4,579 |
| Return on assets (ROA) | 0.5660% | 4,537 |
| Pretax return on assets | 0.5660% | 4,987 |
| Return on Equity (ROE) | 5.3860% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.3860% | 2,360 |
| Net charge-offs to loans | 4.6823% | 27 |
| Credit loss provision to net charge-offs | 8.2232% | 4,604 |
| Earnings coverage of net charge-offs (x) | 0.2609% | 5,000 |
| Efficiency ratio | 81.0005% | 2,025 |
| Assets per employee ($millions) | 4.3329% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,155 |
| Loan loss allowance to noncurrent loans | 14.1130% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 10.4861% | 117 |
| Noncurrent loans to loans | 12.5569% | 60 |
| Net loans and leases to total assets | 61.0149% | 3,538 |
| Net loans and leases to deposits | 68.0716% | 4,044 |
| Net loans and leases to core deposits | 71.0148% | 4,186 |
| Total domestic deposits to total assets | 89.6333% | 1,254 |
| Equity capital to assets | 9.9964% | 3,778 |
| Core capital (leverage) ratio | 10.5753% | 2,815 |
| Tier 1 risk-based capital ratio | 15.5783% | 3,324 |
| Total risk-based capital ratio | 16.8327% | 3,276 |
| Memoranda: | ||
| Average total assets | $103,706,600 | 4,657 |
| Average earning assets | $96,132,000 | 4,615 |
| Average equity | $10,898,600 | 4,654 |
| Average total loans | $66,228,800 | 4,404 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 682 |
| Cost of funding earning assets | 1.3643% | 87 |
| Net interest margin | 3.8132% | 2,596 |
| Noninterest income to average assets | 0.3972% | 4,555 |
| Noninterest expense to average assets | 2.3236% | 5,261 |
| Loan and lease loss provision to assets | 0.1973% | 1,846 |
| Net operating income to assets | 1.4349% | 1,014 |
| Return on assets (ROA) | 1.4578% | 1,021 |
| Pretax return on assets | 1.4578% | 1,735 |
| Return on Equity (ROE) | 13.7130% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.7130% | 277 |
| Net charge-offs to loans | 4.9263% | 22 |
| Credit loss provision to net charge-offs | 6.2324% | 4,267 |
| Earnings coverage of net charge-offs (x) | 0.5155% | 4,694 |
| Efficiency ratio | 58.7383% | 5,596 |
| Assets per employee ($millions) | 4.6747% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 920 |
| Loan loss allowance to noncurrent loans | 20.7764% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 9.6544% | 148 |
| Noncurrent loans to loans | 12.0839% | 83 |
| Net loans and leases to total assets | 60.8271% | 3,557 |
| Net loans and leases to deposits | 68.0700% | 4,055 |
| Net loans and leases to core deposits | 70.9327% | 4,221 |
| Total domestic deposits to total assets | 89.3596% | 1,381 |
| Equity capital to assets | 10.2728% | 3,542 |
| Core capital (leverage) ratio | 10.8433% | 2,627 |
| Tier 1 risk-based capital ratio | 16.0074% | 3,191 |
| Total risk-based capital ratio | 17.2708% | 3,139 |
| Memoranda: | ||
| Average total assets | $104,719,250 | 4,674 |
| Average earning assets | $97,729,000 | 4,618 |
| Average equity | $11,132,750 | 4,663 |
| Average total loans | $67,310,500 | 4,399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 509 |
| Cost of funding earning assets | 1.3940% | 84 |
| Net interest margin | 3.9228% | 2,139 |
| Noninterest income to average assets | 0.2924% | 5,358 |
| Noninterest expense to average assets | 2.1947% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7467% | 576 |
| Return on assets (ROA) | 1.7808% | 580 |
| Pretax return on assets | 1.7808% | 969 |
| Return on Equity (ROE) | 16.5695% | 592 |
| Retained earnings to average equity (ytd only) | 16.5695% | 174 |
| Net charge-offs to loans | 3.9732% | 55 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6775% | 4,294 |
| Efficiency ratio | 55.6840% | 6,000 |
| Assets per employee ($millions) | 6.2019% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9401% | 270 |
| Loan loss allowance to noncurrent loans | 67.5640% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 5.7165% | 496 |
| Noncurrent loans to loans | 5.8317% | 507 |
| Net loans and leases to total assets | 59.7750% | 3,699 |
| Net loans and leases to deposits | 67.0711% | 4,136 |
| Net loans and leases to core deposits | 70.0680% | 4,272 |
| Total domestic deposits to total assets | 89.1219% | 1,555 |
| Equity capital to assets | 10.5035% | 3,303 |
| Core capital (leverage) ratio | 10.3315% | 3,065 |
| Tier 1 risk-based capital ratio | 15.5871% | 3,433 |
| Total risk-based capital ratio | 16.8362% | 3,384 |
| Memoranda: | ||
| Average total assets | $105,344,330 | 4,696 |
| Average earning assets | $97,991,330 | 4,647 |
| Average equity | $11,322,000 | 4,658 |
| Average total loans | $68,358,000 | 4,374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 452 |
| Cost of funding earning assets | 1.4085% | 85 |
| Net interest margin | 3.9569% | 1,927 |
| Noninterest income to average assets | 0.3153% | 5,172 |
| Noninterest expense to average assets | 2.6401% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3675% | 1,108 |
| Return on assets (ROA) | 1.4359% | 1,052 |
| Pretax return on assets | 1.4359% | 1,753 |
| Return on Equity (ROE) | 13.2099% | 1,114 |
| Retained earnings to average equity (ytd only) | 13.2099% | 528 |
| Net charge-offs to loans | -0.6654% | 6,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8768% | 4,685 |
| Assets per employee ($millions) | 6.6114% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8683% | 84 |
| Loan loss allowance to noncurrent loans | 78.5562% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 7.2791% | 379 |
| Noncurrent loans to loans | 7.4702% | 369 |
| Net loans and leases to total assets | 61.5502% | 3,159 |
| Net loans and leases to deposits | 69.2981% | 3,602 |
| Net loans and leases to core deposits | 72.8337% | 3,725 |
| Total domestic deposits to total assets | 88.8195% | 1,784 |
| Equity capital to assets | 10.8714% | 3,111 |
| Core capital (leverage) ratio | 9.9190% | 3,504 |
| Tier 1 risk-based capital ratio | 14.3605% | 4,259 |
| Total risk-based capital ratio | 15.6633% | 4,202 |
| Memoranda: | ||
| Average total assets | $105,300,500 | 4,737 |
| Average earning assets | $98,258,500 | 4,678 |
| Average equity | $11,446,000 | 4,690 |
| Average total loans | $69,733,500 | 4,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 500 |
| Cost of funding earning assets | 1.8399% | 46 |
| Net interest margin | 3.7665% | 3,367 |
| Noninterest income to average assets | 0.1057% | 6,482 |
| Noninterest expense to average assets | 2.2985% | 5,695 |
| Loan and lease loss provision to assets | 2.0677% | 92 |
| Net operating income to assets | -0.7429% | 6,663 |
| Return on assets (ROA) | -0.6721% | 6,672 |
| Pretax return on assets | -0.6721% | 6,648 |
| Return on Equity (ROE) | -6.3259% | 6,637 |
| Retained earnings to average equity (ytd only) | -6.3259% | 6,495 |
| Net charge-offs to loans | 1.7787% | 464 |
| Credit loss provision to net charge-offs | 164.6413% | 1,624 |
| Earnings coverage of net charge-offs (x) | 1.0549% | 4,937 |
| Efficiency ratio | 63.4357% | 4,988 |
| Assets per employee ($millions) | 6.9879% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6075% | 87 |
| Loan loss allowance to noncurrent loans | 95.7726% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 6.4483% | 515 |
| Noncurrent loans to loans | 5.8550% | 616 |
| Net loans and leases to total assets | 63.3063% | 3,009 |
| Net loans and leases to deposits | 71.3079% | 3,519 |
| Net loans and leases to core deposits | 74.7963% | 3,683 |
| Total domestic deposits to total assets | 88.7788% | 1,714 |
| Equity capital to assets | 10.8683% | 3,106 |
| Core capital (leverage) ratio | 9.4744% | 4,143 |
| Tier 1 risk-based capital ratio | 13.6917% | 4,611 |
| Total risk-based capital ratio | 14.9927% | 4,527 |
| Memoranda: | ||
| Average total assets | $108,766,000 | 4,617 |
| Average earning assets | $101,579,000 | 4,559 |
| Average equity | $11,555,600 | 4,659 |
| Average total loans | $76,796,200 | 4,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 462 |
| Cost of funding earning assets | 1.9173% | 40 |
| Net interest margin | 3.7850% | 3,402 |
| Noninterest income to average assets | 0.1288% | 6,490 |
| Noninterest expense to average assets | 2.1976% | 5,958 |
| Loan and lease loss provision to assets | 2.1915% | 88 |
| Net operating income to assets | -0.7325% | 6,791 |
| Return on assets (ROA) | -0.6439% | 6,782 |
| Pretax return on assets | -0.6439% | 6,760 |
| Return on Equity (ROE) | -6.0936% | 6,758 |
| Retained earnings to average equity (ytd only) | -6.0936% | 6,677 |
| Net charge-offs to loans | 1.7563% | 458 |
| Credit loss provision to net charge-offs | 174.6370% | 1,594 |
| Earnings coverage of net charge-offs (x) | 1.1626% | 4,720 |
| Efficiency ratio | 60.0997% | 5,477 |
| Assets per employee ($millions) | 7.1597% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0767% | 139 |
| Loan loss allowance to noncurrent loans | 105.4806% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 6.4770% | 586 |
| Noncurrent loans to loans | 4.8129% | 957 |
| Net loans and leases to total assets | 66.6819% | 2,525 |
| Net loans and leases to deposits | 75.0267% | 3,141 |
| Net loans and leases to core deposits | 79.3487% | 3,287 |
| Total domestic deposits to total assets | 88.8775% | 1,497 |
| Equity capital to assets | 10.7109% | 3,598 |
| Core capital (leverage) ratio | 9.4668% | 4,320 |
| Tier 1 risk-based capital ratio | 12.9611% | 5,281 |
| Total risk-based capital ratio | 14.2591% | 5,203 |
| Memoranda: | ||
| Average total assets | $109,752,750 | 4,647 |
| Average earning assets | $102,295,500 | 4,590 |
| Average equity | $11,596,500 | 4,695 |
| Average total loans | $78,420,500 | 4,126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 442 |
| Cost of funding earning assets | 1.9851% | 38 |
| Net interest margin | 3.7607% | 3,536 |
| Noninterest income to average assets | 0.1646% | 6,354 |
| Noninterest expense to average assets | 2.1621% | 6,101 |
| Loan and lease loss provision to assets | 2.8859% | 68 |
| Net operating income to assets | -1.3769% | 6,994 |
| Return on assets (ROA) | -1.2448% | 6,982 |
| Pretax return on assets | -1.2448% | 6,953 |
| Return on Equity (ROE) | -11.8338% | 6,938 |
| Retained earnings to average equity (ytd only) | -11.8338% | 6,882 |
| Net charge-offs to loans | 1.9594% | 435 |
| Credit loss provision to net charge-offs | 205.0129% | 1,393 |
| Earnings coverage of net charge-offs (x) | 1.0720% | 4,484 |
| Efficiency ratio | 58.8960% | 5,746 |
| Assets per employee ($millions) | 6.8061% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9986% | 166 |
| Loan loss allowance to noncurrent loans | 106.3083% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 6.0892% | 697 |
| Noncurrent loans to loans | 4.7020% | 1,096 |
| Net loans and leases to total assets | 67.6465% | 2,333 |
| Net loans and leases to deposits | 75.7792% | 3,017 |
| Net loans and leases to core deposits | 79.8069% | 3,247 |
| Total domestic deposits to total assets | 89.2678% | 1,348 |
| Equity capital to assets | 10.2877% | 3,953 |
| Core capital (leverage) ratio | 9.0855% | 4,784 |
| Tier 1 risk-based capital ratio | 12.4368% | 5,617 |
| Total risk-based capital ratio | 13.7299% | 5,562 |
| Memoranda: | ||
| Average total assets | $110,538,670 | 4,651 |
| Average earning assets | $103,065,330 | 4,599 |
| Average equity | $11,627,670 | 4,688 |
| Average total loans | $79,413,000 | 4,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 370 |
| Cost of funding earning assets | 2.0609% | 35 |
| Net interest margin | 3.8131% | 3,331 |
| Noninterest income to average assets | 0.0790% | 6,830 |
| Noninterest expense to average assets | 2.1731% | 6,104 |
| Loan and lease loss provision to assets | 0.4849% | 1,255 |
| Net operating income to assets | 0.9698% | 2,593 |
| Return on assets (ROA) | 1.1602% | 2,034 |
| Pretax return on assets | 1.1602% | 3,068 |
| Return on Equity (ROE) | 10.9122% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.9122% | 1,053 |
| Net charge-offs to loans | 1.2545% | 805 |
| Credit loss provision to net charge-offs | 53.5714% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.6071% | 3,517 |
| Efficiency ratio | 59.9010% | 5,629 |
| Assets per employee ($millions) | 6.9409% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6838% | 471 |
| Loan loss allowance to noncurrent loans | 116.0552% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 4.9732% | 1,048 |
| Noncurrent loans to loans | 3.1741% | 2,026 |
| Net loans and leases to total assets | 69.2648% | 1,896 |
| Net loans and leases to deposits | 78.0308% | 2,500 |
| Net loans and leases to core deposits | 82.4653% | 2,764 |
| Total domestic deposits to total assets | 88.7659% | 1,840 |
| Equity capital to assets | 10.8289% | 3,109 |
| Core capital (leverage) ratio | 10.0254% | 3,338 |
| Tier 1 risk-based capital ratio | 13.1475% | 5,098 |
| Total risk-based capital ratio | 14.4249% | 5,050 |
| Memoranda: | ||
| Average total assets | $111,359,500 | 4,673 |
| Average earning assets | $103,642,000 | 4,612 |
| Average equity | $11,840,000 | 4,649 |
| Average total loans | $80,349,000 | 4,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 491 |
| Cost of funding earning assets | 2.6262% | 20 |
| Net interest margin | 3.3001% | 5,803 |
| Noninterest income to average assets | -0.2008% | 7,158 |
| Noninterest expense to average assets | 3.0597% | 3,357 |
| Loan and lease loss provision to assets | 0.2832% | 3,399 |
| Net operating income to assets | -0.4841% | 6,478 |
| Return on assets (ROA) | -0.4137% | 6,477 |
| Pretax return on assets | -0.4137% | 6,428 |
| Return on Equity (ROE) | -4.3289% | 6,491 |
| Retained earnings to average equity (ytd only) | -4.3289% | 6,397 |
| Net charge-offs to loans | 1.9649% | 709 |
| Credit loss provision to net charge-offs | 19.2982% | 5,925 |
| Earnings coverage of net charge-offs (x) | -0.1368% | 5,914 |
| Efficiency ratio | 107.0249% | 496 |
| Assets per employee ($millions) | 6.9790% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7843% | 440 |
| Loan loss allowance to noncurrent loans | 73.9603% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 6.7605% | 687 |
| Noncurrent loans to loans | 5.1167% | 1,092 |
| Net loans and leases to total assets | 69.6509% | 2,099 |
| Net loans and leases to deposits | 78.1658% | 2,814 |
| Net loans and leases to core deposits | 82.5549% | 3,098 |
| Total domestic deposits to total assets | 89.1066% | 1,477 |
| Equity capital to assets | 10.4367% | 3,601 |
| Core capital (leverage) ratio | 9.5254% | 3,984 |
| Tier 1 risk-based capital ratio | 12.5480% | 5,408 |
| Total risk-based capital ratio | 13.8288% | 5,375 |
| Memoranda: | ||
| Average total assets | $116,513,800 | 4,493 |
| Average earning assets | $108,027,800 | 4,447 |
| Average equity | $11,134,400 | 4,749 |
| Average total loans | $87,027,400 | 3,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9712% | 486 |
| Cost of funding earning assets | 2.6997% | 19 |
| Net interest margin | 3.2714% | 5,949 |
| Noninterest income to average assets | -0.3783% | 7,321 |
| Noninterest expense to average assets | 3.2606% | 2,632 |
| Loan and lease loss provision to assets | 0.3601% | 2,707 |
| Net operating income to assets | -0.9661% | 6,873 |
| Return on assets (ROA) | -0.8732% | 6,869 |
| Pretax return on assets | -0.8732% | 6,818 |
| Return on Equity (ROE) | -9.3414% | 6,873 |
| Retained earnings to average equity (ytd only) | -9.3414% | 6,834 |
| Net charge-offs to loans | 2.4777% | 442 |
| Credit loss provision to net charge-offs | 19.3196% | 5,569 |
| Earnings coverage of net charge-offs (x) | -0.3250% | 5,775 |
| Efficiency ratio | 122.8242% | 281 |
| Assets per employee ($millions) | 7.1143% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7936% | 454 |
| Loan loss allowance to noncurrent loans | 74.2128% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 7.2460% | 664 |
| Noncurrent loans to loans | 5.1118% | 1,200 |
| Net loans and leases to total assets | 69.3101% | 2,215 |
| Net loans and leases to deposits | 77.4597% | 3,089 |
| Net loans and leases to core deposits | 81.1685% | 3,458 |
| Total domestic deposits to total assets | 89.4790% | 1,153 |
| Equity capital to assets | 9.9122% | 4,463 |
| Core capital (leverage) ratio | 9.1228% | 4,764 |
| Tier 1 risk-based capital ratio | 11.9631% | 5,919 |
| Total risk-based capital ratio | 13.2518% | 5,882 |
| Memoranda: | ||
| Average total assets | $117,726,250 | 4,486 |
| Average earning assets | $109,143,750 | 4,446 |
| Average equity | $11,004,500 | 4,803 |
| Average total loans | $88,575,750 | 3,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0141% | 470 |
| Cost of funding earning assets | 2.7390% | 19 |
| Net interest margin | 3.2752% | 5,928 |
| Noninterest income to average assets | -0.1512% | 7,314 |
| Noninterest expense to average assets | 3.6681% | 1,587 |
| Loan and lease loss provision to assets | 0.5343% | 1,821 |
| Net operating income to assets | -1.3157% | 7,041 |
| Return on assets (ROA) | -1.3157% | 7,049 |
| Pretax return on assets | -1.3157% | 7,002 |
| Return on Equity (ROE) | -14.3516% | 7,050 |
| Retained earnings to average equity (ytd only) | -14.3516% | 7,017 |
| Net charge-offs to loans | 3.8296% | 218 |
| Credit loss provision to net charge-offs | 18.2969% | 5,154 |
| Earnings coverage of net charge-offs (x) | -0.2675% | 5,435 |
| Efficiency ratio | 127.0664% | 280 |
| Assets per employee ($millions) | 7.2916% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4597% | 613 |
| Loan loss allowance to noncurrent loans | 77.3904% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 6.9695% | 735 |
| Noncurrent loans to loans | 4.4704% | 1,491 |
| Net loans and leases to total assets | 72.2087% | 1,749 |
| Net loans and leases to deposits | 80.2322% | 2,749 |
| Net loans and leases to core deposits | 84.4355% | 3,143 |
| Total domestic deposits to total assets | 89.9997% | 978 |
| Equity capital to assets | 9.2915% | 5,147 |
| Core capital (leverage) ratio | 8.8706% | 4,929 |
| Tier 1 risk-based capital ratio | 11.2790% | 6,331 |
| Total risk-based capital ratio | 12.5587% | 6,306 |
| Memoranda: | ||
| Average total assets | $119,025,330 | 4,486 |
| Average earning assets | $110,407,000 | 4,433 |
| Average equity | $10,911,670 | 4,821 |
| Average total loans | $90,765,670 | 3,926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0570% | 430 |
| Cost of funding earning assets | 2.7551% | 19 |
| Net interest margin | 3.3018% | 5,770 |
| Noninterest income to average assets | 0.1032% | 6,896 |
| Noninterest expense to average assets | 3.2844% | 2,612 |
| Loan and lease loss provision to assets | 0.2928% | 2,812 |
| Net operating income to assets | -0.4193% | 6,751 |
| Return on assets (ROA) | -0.4193% | 6,762 |
| Pretax return on assets | -0.4193% | 6,700 |
| Return on Equity (ROE) | -4.6038% | 6,785 |
| Retained earnings to average equity (ytd only) | -4.6038% | 6,483 |
| Net charge-offs to loans | 2.5249% | 448 |
| Credit loss provision to net charge-offs | 15.0685% | 4,327 |
| Earnings coverage of net charge-offs (x) | -0.0651% | 4,626 |
| Efficiency ratio | 104.0042% | 629 |
| Assets per employee ($millions) | 7.4504% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3205% | 344 |
| Loan loss allowance to noncurrent loans | 71.5089% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 8.2294% | 564 |
| Noncurrent loans to loans | 6.0419% | 1,045 |
| Net loans and leases to total assets | 73.2507% | 1,470 |
| Net loans and leases to deposits | 81.3816% | 2,467 |
| Net loans and leases to core deposits | 85.7297% | 2,914 |
| Total domestic deposits to total assets | 90.0090% | 1,143 |
| Equity capital to assets | 9.2562% | 4,804 |
| Core capital (leverage) ratio | 9.2553% | 4,200 |
| Tier 1 risk-based capital ratio | 11.5932% | 6,031 |
| Total risk-based capital ratio | 12.8863% | 5,981 |
| Memoranda: | ||
| Average total assets | $120,205,000 | 4,478 |
| Average earning assets | $111,210,500 | 4,429 |
| Average equity | $10,947,500 | 4,813 |
| Average total loans | $92,517,500 | 3,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2033% | 555 |
| Cost of funding earning assets | 3.0102% | 23 |
| Net interest margin | 3.1932% | 6,284 |
| Noninterest income to average assets | 0.1227% | 6,789 |
| Noninterest expense to average assets | 2.2367% | 6,521 |
| Loan and lease loss provision to assets | 3.1493% | 286 |
| Net operating income to assets | -2.3099% | 7,139 |
| Return on assets (ROA) | -2.1826% | 7,118 |
| Pretax return on assets | -2.1826% | 7,085 |
| Return on Equity (ROE) | -26.8670% | 7,176 |
| Retained earnings to average equity (ytd only) | -26.8670% | 7,161 |
| Net charge-offs to loans | 2.3070% | 836 |
| Credit loss provision to net charge-offs | 180.1570% | 1,836 |
| Earnings coverage of net charge-offs (x) | 0.4802% | 5,633 |
| Efficiency ratio | 72.7138% | 3,654 |
| Assets per employee ($millions) | 7.5752% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7338% | 235 |
| Loan loss allowance to noncurrent loans | 53.2063% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 10.4123% | 379 |
| Noncurrent loans to loans | 8.8971% | 532 |
| Net loans and leases to total assets | 73.7053% | 1,718 |
| Net loans and leases to deposits | 81.5238% | 2,904 |
| Net loans and leases to core deposits | 86.0295% | 3,312 |
| Total domestic deposits to total assets | 90.4095% | 881 |
| Equity capital to assets | 8.9610% | 5,197 |
| Core capital (leverage) ratio | 8.9974% | 4,561 |
| Tier 1 risk-based capital ratio | 11.4841% | 5,925 |
| Total risk-based capital ratio | 12.7843% | 5,884 |
| Memoranda: | ||
| Average total assets | $131,172,800 | 4,233 |
| Average earning assets | $121,322,000 | 4,203 |
| Average equity | $10,656,200 | 4,946 |
| Average total loans | $99,391,400 | 3,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2539% | 554 |
| Cost of funding earning assets | 3.0595% | 27 |
| Net interest margin | 3.1944% | 6,362 |
| Noninterest income to average assets | 0.1935% | 6,501 |
| Noninterest expense to average assets | 1.7925% | 7,334 |
| Loan and lease loss provision to assets | 2.5466% | 406 |
| Net operating income to assets | -1.1920% | 6,988 |
| Return on assets (ROA) | -1.1282% | 6,990 |
| Pretax return on assets | -1.1282% | 6,913 |
| Return on Equity (ROE) | -14.2193% | 7,082 |
| Retained earnings to average equity (ytd only) | -14.2193% | 7,050 |
| Net charge-offs to loans | 1.0886% | 1,869 |
| Credit loss provision to net charge-offs | 310.2066% | 1,024 |
| Earnings coverage of net charge-offs (x) | 1.6501% | 4,469 |
| Efficiency ratio | 56.9572% | 6,419 |
| Assets per employee ($millions) | 7.5218% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3507% | 272 |
| Loan loss allowance to noncurrent loans | 49.9481% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 9.2617% | 471 |
| Noncurrent loans to loans | 8.7105% | 566 |
| Net loans and leases to total assets | 74.4625% | 1,698 |
| Net loans and leases to deposits | 82.4595% | 3,021 |
| Net loans and leases to core deposits | 87.3629% | 3,465 |
| Total domestic deposits to total assets | 90.3019% | 725 |
| Equity capital to assets | 9.0067% | 5,571 |
| Core capital (leverage) ratio | 8.3599% | 5,773 |
| Tier 1 risk-based capital ratio | 10.5060% | 6,775 |
| Total risk-based capital ratio | 11.7934% | 6,728 |
| Memoranda: | ||
| Average total assets | $133,665,250 | 4,236 |
| Average earning assets | $123,588,250 | 4,208 |
| Average equity | $10,605,000 | 5,023 |
| Average total loans | $100,796,250 | 3,841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4681% | 357 |
| Cost of funding earning assets | 3.1243% | 28 |
| Net interest margin | 3.3438% | 5,857 |
| Noninterest income to average assets | 0.1947% | 6,507 |
| Noninterest expense to average assets | 1.4809% | 7,625 |
| Loan and lease loss provision to assets | 2.1431% | 567 |
| Net operating income to assets | -0.3510% | 6,523 |
| Return on assets (ROA) | -0.2566% | 6,465 |
| Pretax return on assets | -0.2566% | 6,380 |
| Return on Equity (ROE) | -3.3783% | 6,555 |
| Retained earnings to average equity (ytd only) | -3.3783% | 6,351 |
| Net charge-offs to loans | 1.2469% | 1,528 |
| Credit loss provision to net charge-offs | 230.2694% | 1,683 |
| Earnings coverage of net charge-offs (x) | 1.9255% | 4,075 |
| Efficiency ratio | 45.2456% | 7,470 |
| Assets per employee ($millions) | 9.0019% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3825% | 601 |
| Loan loss allowance to noncurrent loans | 54.5324% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 6.3505% | 901 |
| Noncurrent loans to loans | 6.2027% | 1,010 |
| Net loans and leases to total assets | 72.4109% | 2,300 |
| Net loans and leases to deposits | 80.0450% | 3,593 |
| Net loans and leases to core deposits | 84.4752% | 4,070 |
| Total domestic deposits to total assets | 90.4627% | 698 |
| Equity capital to assets | 8.8952% | 5,611 |
| Core capital (leverage) ratio | 8.6417% | 5,172 |
| Tier 1 risk-based capital ratio | 11.0556% | 6,179 |
| Total risk-based capital ratio | 12.3237% | 6,151 |
| Memoranda: | ||
| Average total assets | $135,596,670 | 4,223 |
| Average earning assets | $124,827,330 | 4,214 |
| Average equity | $10,301,000 | 5,117 |
| Average total loans | $101,212,670 | 3,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7572% | 238 |
| Cost of funding earning assets | 3.1886% | 34 |
| Net interest margin | 3.5686% | 4,861 |
| Noninterest income to average assets | 0.1796% | 6,671 |
| Noninterest expense to average assets | 1.6250% | 7,637 |
| Loan and lease loss provision to assets | 0.4416% | 2,757 |
| Net operating income to assets | 1.3747% | 1,135 |
| Return on assets (ROA) | 1.5631% | 864 |
| Pretax return on assets | 1.5631% | 1,355 |
| Return on Equity (ROE) | 22.4857% | 251 |
| Retained earnings to average equity (ytd only) | 22.4857% | 141 |
| Net charge-offs to loans | 0.2648% | 3,350 |
| Credit loss provision to net charge-offs | 223.8806% | 1,686 |
| Earnings coverage of net charge-offs (x) | 9.2090% | 1,884 |
| Efficiency ratio | 47.2198% | 7,490 |
| Assets per employee ($millions) | 9.2399% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 1,126 |
| Loan loss allowance to noncurrent loans | 95.0425% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 4.1227% | 1,660 |
| Noncurrent loans to loans | 2.7895% | 2,868 |
| Net loans and leases to total assets | 71.1078% | 2,673 |
| Net loans and leases to deposits | 78.8300% | 3,876 |
| Net loans and leases to core deposits | 83.3684% | 4,285 |
| Total domestic deposits to total assets | 90.2040% | 886 |
| Equity capital to assets | 7.0015% | 7,370 |
| Core capital (leverage) ratio | 7.1196% | 7,166 |
| Tier 1 risk-based capital ratio | 8.7036% | 7,535 |
| Total risk-based capital ratio | 9.9685% | 7,553 |
| Memoranda: | ||
| Average total assets | $135,881,000 | 4,278 |
| Average earning assets | $124,193,000 | 4,279 |
| Average equity | $9,446,000 | 5,410 |
| Average total loans | $101,220,000 | 3,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5120% | 656 |
| Cost of funding earning assets | 3.6031% | 32 |
| Net interest margin | 2.9089% | 6,848 |
| Noninterest income to average assets | 0.1041% | 7,248 |
| Noninterest expense to average assets | 2.0654% | 7,254 |
| Loan and lease loss provision to assets | 1.7678% | 1,286 |
| Net operating income to assets | -0.9581% | 6,548 |
| Return on assets (ROA) | -0.9581% | 6,550 |
| Pretax return on assets | -0.9581% | 6,385 |
| Return on Equity (ROE) | -12.4676% | 6,797 |
| Retained earnings to average equity (ytd only) | -16.0775% | 6,943 |
| Net charge-offs to loans | 1.6773% | 1,508 |
| Credit loss provision to net charge-offs | 141.2166% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.6468% | 5,448 |
| Efficiency ratio | 71.8378% | 4,286 |
| Assets per employee ($millions) | 8.3228% | 442 |
| Cash dividends to net income (ytd only)* | -28.9538% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 1,149 |
| Loan loss allowance to noncurrent loans | 55.5413% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 5.7884% | 989 |
| Noncurrent loans to loans | 4.6274% | 1,522 |
| Net loans and leases to total assets | 74.0448% | 2,265 |
| Net loans and leases to deposits | 80.0287% | 3,980 |
| Net loans and leases to core deposits | 129.8766% | 1,297 |
| Total domestic deposits to total assets | 92.5228% | 174 |
| Equity capital to assets | 6.8998% | 7,413 |
| Core capital (leverage) ratio | 6.6157% | 7,439 |
| Tier 1 risk-based capital ratio | 8.1573% | 7,630 |
| Total risk-based capital ratio | 9.4210% | 7,645 |
| Memoranda: | ||
| Average total assets | $128,692,400 | 4,367 |
| Average earning assets | $122,590,000 | 4,252 |
| Average equity | $9,889,600 | 5,324 |
| Average total loans | $96,045,200 | 4,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5057% | 735 |
| Cost of funding earning assets | 3.6466% | 37 |
| Net interest margin | 2.8592% | 6,941 |
| Noninterest income to average assets | 0.1024% | 7,392 |
| Noninterest expense to average assets | 1.5363% | 7,872 |
| Loan and lease loss provision to assets | 1.8290% | 1,021 |
| Net operating income to assets | -0.5267% | 6,455 |
| Return on assets (ROA) | -0.5267% | 6,455 |
| Pretax return on assets | -0.5267% | 6,331 |
| Return on Equity (ROE) | -6.6764% | 6,629 |
| Retained earnings to average equity (ytd only) | -11.4056% | 6,907 |
| Net charge-offs to loans | 2.8057% | 628 |
| Credit loss provision to net charge-offs | 87.7633% | 5,545 |
| Earnings coverage of net charge-offs (x) | 0.6249% | 5,402 |
| Efficiency ratio | 54.1237% | 7,220 |
| Assets per employee ($millions) | 8.5953% | 417 |
| Cash dividends to net income (ytd only)* | -70.8340% | 7,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,563 |
| Loan loss allowance to noncurrent loans | 20.1980% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 7.1507% | 656 |
| Noncurrent loans to loans | 8.5020% | 546 |
| Net loans and leases to total assets | 70.4563% | 3,403 |
| Net loans and leases to deposits | 76.6908% | 4,940 |
| Net loans and leases to core deposits | 126.4057% | 1,704 |
| Total domestic deposits to total assets | 91.8706% | 192 |
| Equity capital to assets | 7.4103% | 7,365 |
| Core capital (leverage) ratio | 7.3439% | 7,141 |
| Tier 1 risk-based capital ratio | 8.9531% | 7,638 |
| Total risk-based capital ratio | 10.2066% | 7,658 |
| Memoranda: | ||
| Average total assets | $127,574,500 | 4,414 |
| Average earning assets | $122,084,250 | 4,296 |
| Average equity | $10,065,000 | 5,319 |
| Average total loans | $94,756,000 | 4,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6634% | 580 |
| Cost of funding earning assets | 3.7056% | 57 |
| Net interest margin | 2.9578% | 6,661 |
| Noninterest income to average assets | 0.0982% | 7,492 |
| Noninterest expense to average assets | 1.4663% | 7,986 |
| Loan and lease loss provision to assets | 0.4829% | 3,112 |
| Net operating income to assets | 0.9883% | 2,151 |
| Return on assets (ROA) | 0.9883% | 2,250 |
| Pretax return on assets | 0.9883% | 3,054 |
| Return on Equity (ROE) | 12.2518% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.5027% | 1,386 |
| Net charge-offs to loans | 0.2546% | 3,926 |
| Credit loss provision to net charge-offs | 252.1008% | 1,847 |
| Earnings coverage of net charge-offs (x) | 7.6807% | 2,406 |
| Efficiency ratio | 49.9178% | 7,675 |
| Assets per employee ($millions) | 8.0963% | 482 |
| Cash dividends to net income (ytd only)* | 38.7622% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 1,273 |
| Loan loss allowance to noncurrent loans | 30.8129% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 5.8700% | 833 |
| Noncurrent loans to loans | 7.0752% | 678 |
| Net loans and leases to total assets | 73.3982% | 2,863 |
| Net loans and leases to deposits | 80.3183% | 4,496 |
| Net loans and leases to core deposits | 134.7506% | 1,273 |
| Total domestic deposits to total assets | 91.3841% | 346 |
| Equity capital to assets | 7.9165% | 6,851 |
| Core capital (leverage) ratio | 8.9065% | 4,775 |
| Tier 1 risk-based capital ratio | 10.5400% | 6,337 |
| Total risk-based capital ratio | 11.8062% | 6,275 |
| Memoranda: | ||
| Average total assets | $124,257,670 | 4,524 |
| Average earning assets | $119,278,330 | 4,389 |
| Average equity | $10,023,000 | 5,354 |
| Average total loans | $93,478,670 | 4,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5229% | 829 |
| Cost of funding earning assets | 3.7839% | 70 |
| Net interest margin | 2.7389% | 7,122 |
| Noninterest income to average assets | 0.1085% | 7,489 |
| Noninterest expense to average assets | 1.4538% | 8,017 |
| Loan and lease loss provision to assets | 0.4934% | 2,506 |
| Net operating income to assets | 0.7992% | 3,135 |
| Return on assets (ROA) | 0.7992% | 3,295 |
| Pretax return on assets | 0.7992% | 4,077 |
| Return on Equity (ROE) | 9.8112% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.0066% | 3,127 |
| Net charge-offs to loans | 0.1703% | 3,610 |
| Credit loss provision to net charge-offs | 384.6154% | 1,339 |
| Earnings coverage of net charge-offs (x) | 10.0769% | 1,982 |
| Efficiency ratio | 52.9341% | 7,321 |
| Assets per employee ($millions) | 7.6309% | 589 |
| Cash dividends to net income (ytd only)* | 48.9712% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 1,078 |
| Loan loss allowance to noncurrent loans | 40.0430% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 4.7119% | 996 |
| Noncurrent loans to loans | 5.5040% | 932 |
| Net loans and leases to total assets | 74.4666% | 2,630 |
| Net loans and leases to deposits | 81.9114% | 4,304 |
| Net loans and leases to core deposits | 137.6116% | 1,218 |
| Total domestic deposits to total assets | 90.9112% | 442 |
| Equity capital to assets | 8.2567% | 6,455 |
| Core capital (leverage) ratio | 8.8190% | 4,948 |
| Tier 1 risk-based capital ratio | 10.5442% | 6,350 |
| Total risk-based capital ratio | 11.8033% | 6,249 |
| Memoranda: | ||
| Average total assets | $121,616,500 | 4,602 |
| Average earning assets | $117,126,500 | 4,455 |
| Average equity | $9,907,000 | 5,412 |
| Average total loans | $91,618,500 | 4,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3210% | 572 |
| Cost of funding earning assets | 3.8430% | 172 |
| Net interest margin | 3.4780% | 5,370 |
| Noninterest income to average assets | 0.1202% | 7,519 |
| Noninterest expense to average assets | 1.5614% | 7,998 |
| Loan and lease loss provision to assets | 0.7981% | 1,858 |
| Net operating income to assets | 1.0964% | 2,161 |
| Return on assets (ROA) | 1.0964% | 2,076 |
| Pretax return on assets | 1.0964% | 3,038 |
| Return on Equity (ROE) | 11.3664% | 1,802 |
| Retained earnings to average equity (ytd only) | -1.2742% | 5,673 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1804% | 7,965 |
| Assets per employee ($millions) | 7.5711% | 553 |
| Cash dividends to net income (ytd only)* | 111.2104% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 1,003 |
| Loan loss allowance to noncurrent loans | 35.5988% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 5.0191% | 690 |
| Noncurrent loans to loans | 6.0309% | 588 |
| Net loans and leases to total assets | 72.9168% | 3,380 |
| Net loans and leases to deposits | 79.9287% | 5,060 |
| Net loans and leases to core deposits | 134.7069% | 1,554 |
| Total domestic deposits to total assets | 91.2274% | 266 |
| Equity capital to assets | 8.0346% | 6,796 |
| Core capital (leverage) ratio | 8.9401% | 4,831 |
| Tier 1 risk-based capital ratio | 10.4543% | 6,254 |
| Total risk-based capital ratio | 12.3469% | 5,526 |
| Memoranda: | ||
| Average total assets | $112,273,400 | 4,714 |
| Average earning assets | $107,676,000 | 4,571 |
| Average equity | $10,830,200 | 5,176 |
| Average total loans | $81,538,200 | 4,476 |