Home > Texas National Bank > Performance and Condition Ratios
Texas National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8025% | 422 |
| Cost of funding earning assets | 2.3920% | 1,051 |
| Net interest margin | 4.4104% | 725 |
| Noninterest income to average assets | 0.6800% | 1,103 |
| Noninterest expense to average assets | 2.8898% | 1,343 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 1.2580% | 1,573 |
| Return on assets (ROA) | 1.3308% | 1,408 |
| Pretax return on assets | 1.6733% | 1,157 |
| Return on Equity (ROE) | 13.9900% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.9885% | 535 |
| Net charge-offs to loans | 0.0094% | 1,901 |
| Credit loss provision to net charge-offs | 1,953.3333% | 211 |
| Earnings coverage of net charge-offs (x) | 280.7333% | 324 |
| Efficiency ratio | 62.2805% | 2,682 |
| Assets per employee ($millions) | 6.2947% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,142 |
| Loan loss allowance to noncurrent loans | 1,101.0576% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 1,902 |
| Noncurrent loans to loans | 0.1320% | 3,022 |
| Net loans and leases to total assets | 65.5200% | 2,340 |
| Net loans and leases to deposits | 75.2470% | 2,462 |
| Net loans and leases to core deposits | 91.5917% | 1,942 |
| Total domestic deposits to total assets | 87.0700% | 1,885 |
| Equity capital to assets | 9.6937% | 2,433 |
| Core capital (leverage) ratio | 10.6682% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3855% | 1,176 |
| Memoranda: | ||
| Average total assets | $962,432,500 | 1,067 |
| Average earning assets | $865,037,500 | 1,091 |
| Average equity | $91,561,000 | 1,116 |
| Average total loans | $636,092,000 | 1,109 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8465% | 476 |
| Cost of funding earning assets | 2.5547% | 1,045 |
| Net interest margin | 4.2918% | 839 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 2.9959% | 1,150 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.9752% | 2,137 |
| Return on assets (ROA) | 0.9779% | 2,119 |
| Pretax return on assets | 1.2420% | 1,893 |
| Return on Equity (ROE) | 10.3300% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.3262% | 525 |
| Net charge-offs to loans | 0.0314% | 1,952 |
| Credit loss provision to net charge-offs | 1,158.7571% | 359 |
| Earnings coverage of net charge-offs (x) | 72.5424% | 991 |
| Efficiency ratio | 67.2106% | 2,342 |
| Assets per employee ($millions) | 6.3277% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,156 |
| Loan loss allowance to noncurrent loans | 273.3614% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,592 |
| Noncurrent loans to loans | 0.5299% | 1,751 |
| Net loans and leases to total assets | 64.7400% | 2,495 |
| Net loans and leases to deposits | 76.9606% | 2,366 |
| Net loans and leases to core deposits | 91.7748% | 1,983 |
| Total domestic deposits to total assets | 84.1300% | 2,754 |
| Equity capital to assets | 9.3307% | 2,574 |
| Core capital (leverage) ratio | 10.7475% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3601% | 1,186 |
| Memoranda: | ||
| Average total assets | $878,510,200 | 1,128 |
| Average earning assets | $798,597,200 | 1,146 |
| Average equity | $83,196,400 | 1,166 |
| Average total loans | $564,090,200 | 1,182 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7566% | 508 |
| Cost of funding earning assets | 2.6149% | 958 |
| Net interest margin | 4.1416% | 967 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 2.8607% | 1,350 |
| Loan and lease loss provision to assets | 0.2900% | 363 |
| Net operating income to assets | 0.9449% | 2,232 |
| Return on assets (ROA) | 0.9577% | 2,198 |
| Pretax return on assets | 1.1884% | 2,016 |
| Return on Equity (ROE) | 10.0700% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.0715% | 843 |
| Net charge-offs to loans | 0.0321% | 1,683 |
| Credit loss provision to net charge-offs | 1,390.9091% | 318 |
| Earnings coverage of net charge-offs (x) | 71.1667% | 994 |
| Efficiency ratio | 66.2451% | 2,455 |
| Assets per employee ($millions) | 5.9402% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,210 |
| Loan loss allowance to noncurrent loans | 235.8446% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 1,406 |
| Noncurrent loans to loans | 0.6104% | 1,568 |
| Net loans and leases to total assets | 67.6500% | 2,127 |
| Net loans and leases to deposits | 79.5950% | 2,224 |
| Net loans and leases to core deposits | 97.1773% | 1,686 |
| Total domestic deposits to total assets | 84.9900% | 2,299 |
| Equity capital to assets | 9.8231% | 2,414 |
| Core capital (leverage) ratio | 10.8304% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1994% | 1,253 |
| Memoranda: | ||
| Average total assets | $859,267,750 | 1,141 |
| Average earning assets | $782,053,000 | 1,164 |
| Average equity | $81,707,250 | 1,174 |
| Average total loans | $548,185,500 | 1,205 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6694% | 521 |
| Cost of funding earning assets | 2.6345% | 875 |
| Net interest margin | 4.0349% | 1,074 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.8767% | 1,311 |
| Loan and lease loss provision to assets | 0.2000% | 545 |
| Net operating income to assets | 0.8897% | 2,344 |
| Return on assets (ROA) | 0.8540% | 2,457 |
| Pretax return on assets | 1.0768% | 2,273 |
| Return on Equity (ROE) | 9.0900% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.0881% | 1,082 |
| Net charge-offs to loans | 0.0351% | 1,472 |
| Credit loss provision to net charge-offs | 815.2174% | 462 |
| Earnings coverage of net charge-offs (x) | 60.7391% | 1,007 |
| Efficiency ratio | 68.4970% | 2,277 |
| Assets per employee ($millions) | 5.5706% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,253 |
| Loan loss allowance to noncurrent loans | 224.4514% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 1,332 |
| Noncurrent loans to loans | 0.6410% | 1,444 |
| Net loans and leases to total assets | 64.1500% | 2,543 |
| Net loans and leases to deposits | 74.1363% | 2,685 |
| Net loans and leases to core deposits | 90.8072% | 2,092 |
| Total domestic deposits to total assets | 86.5300% | 1,807 |
| Equity capital to assets | 9.7094% | 2,259 |
| Core capital (leverage) ratio | 10.5808% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2021% | 1,048 |
| Memoranda: | ||
| Average total assets | $844,720,000 | 1,164 |
| Average earning assets | $771,765,333 | 1,177 |
| Average equity | $79,378,333 | 1,191 |
| Average total loans | $524,336,000 | 1,248 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3627% | 681 |
| Cost of funding earning assets | 2.5947% | 844 |
| Net interest margin | 3.7680% | 1,413 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.8517% | 1,337 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.6172% | 3,110 |
| Return on assets (ROA) | 0.5571% | 3,287 |
| Pretax return on assets | 0.7012% | 3,155 |
| Return on Equity (ROE) | 6.0300% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,100 |
| Net charge-offs to loans | 0.0398% | 1,136 |
| Credit loss provision to net charge-offs | 1,049.0196% | 332 |
| Earnings coverage of net charge-offs (x) | 43.7255% | 1,009 |
| Efficiency ratio | 73.0188% | 1,841 |
| Assets per employee ($millions) | 5.9498% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,188 |
| Loan loss allowance to noncurrent loans | 228.1398% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 1,289 |
| Noncurrent loans to loans | 0.6395% | 1,378 |
| Net loans and leases to total assets | 60.3000% | 2,826 |
| Net loans and leases to deposits | 77.0301% | 2,330 |
| Net loans and leases to core deposits | 93.5554% | 1,810 |
| Total domestic deposits to total assets | 78.2700% | 3,760 |
| Equity capital to assets | 9.0938% | 2,619 |
| Core capital (leverage) ratio | 10.3506% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6613% | 978 |
| Memoranda: | ||
| Average total assets | $846,498,500 | 1,165 |
| Average earning assets | $777,279,500 | 1,171 |
| Average equity | $78,231,500 | 1,200 |
| Average total loans | $512,772,500 | 1,260 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 691 |
| Cost of funding earning assets | 1.6901% | 1,472 |
| Net interest margin | 4.2444% | 885 |
| Noninterest income to average assets | 1.4200% | 415 |
| Noninterest expense to average assets | 3.0731% | 1,003 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.6018% | 863 |
| Return on assets (ROA) | 1.5898% | 845 |
| Pretax return on assets | 2.0171% | 652 |
| Return on Equity (ROE) | 17.2700% | 918 |
| Retained earnings to average equity (ytd only) | 17.2745% | 210 |
| Net charge-offs to loans | 0.0407% | 1,499 |
| Credit loss provision to net charge-offs | 893.2584% | 448 |
| Earnings coverage of net charge-offs (x) | 94.1124% | 931 |
| Efficiency ratio | 57.9908% | 3,296 |
| Assets per employee ($millions) | 5.6868% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,201 |
| Loan loss allowance to noncurrent loans | 242.7851% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 1,140 |
| Noncurrent loans to loans | 0.5974% | 1,316 |
| Net loans and leases to total assets | 59.0700% | 2,939 |
| Net loans and leases to deposits | 73.1350% | 2,685 |
| Net loans and leases to core deposits | 86.9470% | 2,247 |
| Total domestic deposits to total assets | 80.7700% | 3,348 |
| Equity capital to assets | 9.3955% | 2,429 |
| Core capital (leverage) ratio | 10.8350% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5756% | 832 |
| Memoranda: | ||
| Average total assets | $752,502,400 | 1,237 |
| Average earning assets | $688,550,200 | 1,257 |
| Average equity | $69,252,400 | 1,259 |
| Average total loans | $437,566,000 | 1,375 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7405% | 742 |
| Cost of funding earning assets | 1.4583% | 1,715 |
| Net interest margin | 4.2822% | 824 |
| Noninterest income to average assets | 1.6700% | 350 |
| Noninterest expense to average assets | 3.0214% | 1,046 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.8904% | 570 |
| Return on assets (ROA) | 1.8739% | 574 |
| Pretax return on assets | 2.3699% | 441 |
| Return on Equity (ROE) | 20.4800% | 679 |
| Retained earnings to average equity (ytd only) | 20.4836% | 242 |
| Net charge-offs to loans | 0.0290% | 1,492 |
| Credit loss provision to net charge-offs | 993.4783% | 409 |
| Earnings coverage of net charge-offs (x) | 152.9674% | 716 |
| Efficiency ratio | 54.1372% | 3,576 |
| Assets per employee ($millions) | 5.5849% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,315 |
| Loan loss allowance to noncurrent loans | 385.3488% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 1,750 |
| Noncurrent loans to loans | 0.3720% | 1,902 |
| Net loans and leases to total assets | 57.8800% | 3,036 |
| Net loans and leases to deposits | 71.8894% | 2,714 |
| Net loans and leases to core deposits | 83.8128% | 2,337 |
| Total domestic deposits to total assets | 80.5100% | 3,457 |
| Equity capital to assets | 9.0890% | 2,372 |
| Core capital (leverage) ratio | 11.1290% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0278% | 814 |
| Memoranda: | ||
| Average total assets | $733,060,750 | 1,261 |
| Average earning assets | $670,267,500 | 1,273 |
| Average equity | $67,063,500 | 1,279 |
| Average total loans | $422,542,500 | 1,407 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 816 |
| Cost of funding earning assets | 1.1996% | 1,994 |
| Net interest margin | 4.3144% | 791 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.9458% | 1,135 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.0252% | 2,338 |
| Return on assets (ROA) | 0.9998% | 2,417 |
| Pretax return on assets | 1.2692% | 2,167 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 10.9029% | 1,203 |
| Net charge-offs to loans | 0.0303% | 1,279 |
| Credit loss provision to net charge-offs | 1,022.5806% | 402 |
| Earnings coverage of net charge-offs (x) | 84.2258% | 1,024 |
| Efficiency ratio | 66.8487% | 2,126 |
| Assets per employee ($millions) | 5.5047% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,210 |
| Loan loss allowance to noncurrent loans | 476.6816% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,713 |
| Noncurrent loans to loans | 0.3126% | 2,020 |
| Net loans and leases to total assets | 55.5100% | 3,153 |
| Net loans and leases to deposits | 66.2179% | 3,045 |
| Net loans and leases to core deposits | 75.1401% | 2,822 |
| Total domestic deposits to total assets | 83.8300% | 2,865 |
| Equity capital to assets | 8.8738% | 2,606 |
| Core capital (leverage) ratio | 10.7877% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7756% | 845 |
| Memoranda: | ||
| Average total assets | $714,925,000 | 1,274 |
| Average earning assets | $655,203,000 | 1,288 |
| Average equity | $65,560,333 | 1,296 |
| Average total loans | $409,252,667 | 1,435 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 749 |
| Cost of funding earning assets | 0.9899% | 2,082 |
| Net interest margin | 4.3913% | 693 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.9883% | 1,081 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1054% | 2,210 |
| Return on assets (ROA) | 1.0529% | 2,338 |
| Pretax return on assets | 1.3307% | 2,084 |
| Return on Equity (ROE) | 11.2800% | 2,415 |
| Retained earnings to average equity (ytd only) | 11.2816% | 1,405 |
| Net charge-offs to loans | 0.0440% | 918 |
| Credit loss provision to net charge-offs | 313.6364% | 676 |
| Earnings coverage of net charge-offs (x) | 58.5682% | 1,036 |
| Efficiency ratio | 66.7527% | 2,118 |
| Assets per employee ($millions) | 5.3092% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,321 |
| Loan loss allowance to noncurrent loans | 442.9429% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 1,560 |
| Noncurrent loans to loans | 0.3353% | 1,951 |
| Net loans and leases to total assets | 55.4200% | 3,077 |
| Net loans and leases to deposits | 62.4766% | 3,198 |
| Net loans and leases to core deposits | 71.0926% | 2,878 |
| Total domestic deposits to total assets | 88.7000% | 1,658 |
| Equity capital to assets | 9.4993% | 2,144 |
| Core capital (leverage) ratio | 10.9817% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1762% | 822 |
| Memoranda: | ||
| Average total assets | $692,566,000 | 1,325 |
| Average earning assets | $633,974,000 | 1,334 |
| Average equity | $64,636,000 | 1,322 |
| Average total loans | $399,856,000 | 1,471 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 550 |
| Cost of funding earning assets | 0.5621% | 1,057 |
| Net interest margin | 4.0981% | 660 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.9415% | 1,062 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.9814% | 2,636 |
| Return on assets (ROA) | 1.0500% | 2,318 |
| Pretax return on assets | 1.2683% | 2,205 |
| Return on Equity (ROE) | 11.5300% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.8769% | 1,200 |
| Net charge-offs to loans | 0.0316% | 1,439 |
| Credit loss provision to net charge-offs | 1,713.7931% | 290 |
| Earnings coverage of net charge-offs (x) | 84.9138% | 1,060 |
| Efficiency ratio | 66.4441% | 2,156 |
| Assets per employee ($millions) | 5.1053% | 3,592 |
| Cash dividends to net income (ytd only)* | 14.3637% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 838 |
| Loan loss allowance to noncurrent loans | 1,112.2314% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 2,000 |
| Noncurrent loans to loans | 0.1503% | 2,752 |
| Net loans and leases to total assets | 58.2900% | 2,795 |
| Net loans and leases to deposits | 64.9344% | 2,961 |
| Net loans and leases to core deposits | 73.7083% | 2,587 |
| Total domestic deposits to total assets | 89.7600% | 1,465 |
| Equity capital to assets | 9.1597% | 2,255 |
| Core capital (leverage) ratio | 11.2263% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0274% | 826 |
| Memoranda: | ||
| Average total assets | $663,071,600 | 1,354 |
| Average earning assets | $603,130,400 | 1,382 |
| Average equity | $60,362,800 | 1,392 |
| Average total loans | $367,479,800 | 1,491 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 484 |
| Cost of funding earning assets | 0.5057% | 736 |
| Net interest margin | 4.0130% | 625 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.7785% | 1,290 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.1432% | 1,919 |
| Return on assets (ROA) | 1.2352% | 1,548 |
| Pretax return on assets | 1.4875% | 1,450 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3644% | 952 |
| Net charge-offs to loans | 0.0327% | 1,197 |
| Credit loss provision to net charge-offs | 1,527.2727% | 299 |
| Earnings coverage of net charge-offs (x) | 92.6023% | 982 |
| Efficiency ratio | 62.7627% | 2,719 |
| Assets per employee ($millions) | 4.9625% | 3,708 |
| Cash dividends to net income (ytd only)* | 16.3773% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 987 |
| Loan loss allowance to noncurrent loans | 799.0850% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 1,899 |
| Noncurrent loans to loans | 0.2053% | 2,573 |
| Net loans and leases to total assets | 56.3700% | 2,869 |
| Net loans and leases to deposits | 63.1067% | 2,936 |
| Net loans and leases to core deposits | 70.9702% | 2,568 |
| Total domestic deposits to total assets | 89.3200% | 1,951 |
| Equity capital to assets | 9.5902% | 1,835 |
| Core capital (leverage) ratio | 11.0364% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5120% | 787 |
| Memoranda: | ||
| Average total assets | $659,088,250 | 1,367 |
| Average earning assets | $598,802,000 | 1,393 |
| Average equity | $59,904,750 | 1,422 |
| Average total loans | $358,724,250 | 1,511 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 482 |
| Cost of funding earning assets | 0.4677% | 633 |
| Net interest margin | 3.8806% | 636 |
| Noninterest income to average assets | 0.6803% | 1,430 |
| Noninterest expense to average assets | 2.7304% | 1,314 |
| Loan and lease loss provision to assets | 0.2012% | 408 |
| Net operating income to assets | 1.0597% | 1,937 |
| Return on assets (ROA) | 1.0585% | 1,910 |
| Pretax return on assets | 1.2784% | 1,821 |
| Return on Equity (ROE) | 11.8595% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.4750% | 1,450 |
| Net charge-offs to loans | 0.0345% | 1,047 |
| Credit loss provision to net charge-offs | 1,091.8033% | 378 |
| Earnings coverage of net charge-offs (x) | 80.3770% | 931 |
| Efficiency ratio | 64.8329% | 2,660 |
| Assets per employee ($millions) | 5.5204% | 3,207 |
| Cash dividends to net income (ytd only)* | 28.5388% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,297 |
| Loan loss allowance to noncurrent loans | 397.2364% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,704 |
| Noncurrent loans to loans | 0.3884% | 1,971 |
| Net loans and leases to total assets | 48.5677% | 3,502 |
| Net loans and leases to deposits | 56.2038% | 3,359 |
| Net loans and leases to core deposits | 62.7432% | 3,057 |
| Total domestic deposits to total assets | 86.4135% | 3,139 |
| Equity capital to assets | 8.8033% | 2,531 |
| Core capital (leverage) ratio | 11.1455% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5593% | 777 |
| Memoranda: | ||
| Average total assets | $662,090,667 | 1,371 |
| Average earning assets | $602,491,000 | 1,397 |
| Average equity | $59,091,667 | 1,452 |
| Average total loans | $354,116,333 | 1,518 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 140 |
| Cost of funding earning assets | 0.4520% | 646 |
| Net interest margin | 4.6132% | 153 |
| Noninterest income to average assets | 0.8084% | 1,026 |
| Noninterest expense to average assets | 2.8005% | 1,152 |
| Loan and lease loss provision to assets | 0.2176% | 322 |
| Net operating income to assets | 1.5787% | 536 |
| Return on assets (ROA) | 1.5891% | 521 |
| Pretax return on assets | 2.0003% | 359 |
| Return on Equity (ROE) | 17.6690% | 363 |
| Retained earnings to average equity (ytd only) | 17.6690% | 150 |
| Net charge-offs to loans | 0.0474% | 818 |
| Credit loss provision to net charge-offs | 821.4286% | 390 |
| Earnings coverage of net charge-offs (x) | 83.2381% | 732 |
| Efficiency ratio | 55.9531% | 3,885 |
| Assets per employee ($millions) | 5.3602% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,601 |
| Loan loss allowance to noncurrent loans | 310.2826% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 1,565 |
| Noncurrent loans to loans | 0.4785% | 1,829 |
| Net loans and leases to total assets | 50.6992% | 3,102 |
| Net loans and leases to deposits | 58.6668% | 3,016 |
| Net loans and leases to core deposits | 65.7986% | 2,648 |
| Total domestic deposits to total assets | 86.4188% | 3,131 |
| Equity capital to assets | 8.4125% | 3,227 |
| Core capital (leverage) ratio | 9.4991% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0751% | 1,027 |
| Memoranda: | ||
| Average total assets | $634,310,000 | 1,425 |
| Average earning assets | $577,035,500 | 1,454 |
| Average equity | $57,049,000 | 1,545 |
| Average total loans | $354,170,000 | 1,510 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9542% | 27 |
| Cost of funding earning assets | 0.4718% | 1,051 |
| Net interest margin | 7.4824% | 24 |
| Noninterest income to average assets | 0.4387% | 2,862 |
| Noninterest expense to average assets | 3.1680% | 761 |
| Loan and lease loss provision to assets | 0.1174% | 1,069 |
| Net operating income to assets | 3.1146% | 94 |
| Return on assets (ROA) | 3.1096% | 96 |
| Pretax return on assets | 3.9700% | 80 |
| Return on Equity (ROE) | 40.7452% | 29 |
| Retained earnings to average equity (ytd only) | 38.5422% | 10 |
| Net charge-offs to loans | 0.0216% | 1,835 |
| Credit loss provision to net charge-offs | 840.9639% | 586 |
| Earnings coverage of net charge-offs (x) | 293.3373% | 416 |
| Efficiency ratio | 43.6268% | 4,585 |
| Assets per employee ($millions) | 5.1141% | 3,634 |
| Cash dividends to net income (ytd only)* | 5.4069% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,153 |
| Loan loss allowance to noncurrent loans | 320.3826% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,577 |
| Noncurrent loans to loans | 0.4202% | 2,094 |
| Net loans and leases to total assets | 59.9946% | 2,164 |
| Net loans and leases to deposits | 70.6820% | 2,054 |
| Net loans and leases to core deposits | 80.5994% | 1,548 |
| Total domestic deposits to total assets | 84.8796% | 3,310 |
| Equity capital to assets | 9.6558% | 2,992 |
| Core capital (leverage) ratio | 10.5124% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3861% | 839 |
| Memoranda: | ||
| Average total assets | $594,763,800 | 1,464 |
| Average earning assets | $542,340,800 | 1,487 |
| Average equity | $45,391,800 | 1,909 |
| Average total loans | $385,083,200 | 1,413 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6129% | 32 |
| Cost of funding earning assets | 0.4592% | 1,293 |
| Net interest margin | 7.1537% | 33 |
| Noninterest income to average assets | 0.4295% | 2,933 |
| Noninterest expense to average assets | 2.9545% | 1,041 |
| Loan and lease loss provision to assets | 0.0329% | 2,339 |
| Net operating income to assets | 3.1322% | 108 |
| Return on assets (ROA) | 3.1375% | 111 |
| Pretax return on assets | 3.9792% | 87 |
| Return on Equity (ROE) | 44.0195% | 24 |
| Retained earnings to average equity (ytd only) | 44.0195% | 7 |
| Net charge-offs to loans | 0.0147% | 1,797 |
| Credit loss provision to net charge-offs | 341.8605% | 936 |
| Earnings coverage of net charge-offs (x) | 415.7907% | 346 |
| Efficiency ratio | 42.4502% | 4,647 |
| Assets per employee ($millions) | 6.0631% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,809 |
| Loan loss allowance to noncurrent loans | 412.4288% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 2,405 |
| Noncurrent loans to loans | 0.2448% | 2,955 |
| Net loans and leases to total assets | 58.5852% | 2,415 |
| Net loans and leases to deposits | 92.1546% | 486 |
| Net loans and leases to core deposits | 105.6916% | 415 |
| Total domestic deposits to total assets | 63.5728% | 4,814 |
| Equity capital to assets | 7.3631% | 4,740 |
| Core capital (leverage) ratio | 10.0751% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0184% | 810 |
| Memoranda: | ||
| Average total assets | $595,146,750 | 1,476 |
| Average earning assets | $543,291,500 | 1,506 |
| Average equity | $42,419,500 | 2,026 |
| Average total loans | $391,163,000 | 1,434 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 95 |
| Cost of funding earning assets | 0.4506% | 1,515 |
| Net interest margin | 5.5933% | 87 |
| Noninterest income to average assets | 0.4664% | 2,775 |
| Noninterest expense to average assets | 2.9680% | 1,036 |
| Loan and lease loss provision to assets | 0.0465% | 2,091 |
| Net operating income to assets | 2.0124% | 475 |
| Return on assets (ROA) | 2.0101% | 505 |
| Pretax return on assets | 2.5539% | 326 |
| Return on Equity (ROE) | 28.6187% | 114 |
| Retained earnings to average equity (ytd only) | 28.6187% | 45 |
| Net charge-offs to loans | 0.0106% | 1,758 |
| Credit loss provision to net charge-offs | 640.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 358.6000% | 329 |
| Efficiency ratio | 53.2738% | 3,890 |
| Assets per employee ($millions) | 6.7791% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,042 |
| Loan loss allowance to noncurrent loans | 446.6119% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 2,610 |
| Noncurrent loans to loans | 0.2096% | 3,211 |
| Net loans and leases to total assets | 63.4506% | 2,021 |
| Net loans and leases to deposits | 99.8152% | 258 |
| Net loans and leases to core deposits | 112.1770% | 315 |
| Total domestic deposits to total assets | 63.5681% | 4,846 |
| Equity capital to assets | 5.8122% | 4,927 |
| Core capital (leverage) ratio | 9.0117% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0682% | 1,101 |
| Memoranda: | ||
| Average total assets | $551,005,333 | 1,571 |
| Average earning assets | $502,886,000 | 1,597 |
| Average equity | $38,702,000 | 2,146 |
| Average total loans | $378,018,667 | 1,467 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2740% | 42 |
| Cost of funding earning assets | 0.5237% | 1,248 |
| Net interest margin | 6.7502% | 41 |
| Noninterest income to average assets | 0.5028% | 2,598 |
| Noninterest expense to average assets | 3.2202% | 696 |
| Loan and lease loss provision to assets | 0.1078% | 1,279 |
| Net operating income to assets | 2.6070% | 226 |
| Return on assets (ROA) | 2.6070% | 250 |
| Pretax return on assets | 3.2883% | 173 |
| Return on Equity (ROE) | 32.7049% | 101 |
| Retained earnings to average equity (ytd only) | 32.7049% | 64 |
| Net charge-offs to loans | 0.0251% | 1,254 |
| Credit loss provision to net charge-offs | 595.2381% | 558 |
| Earnings coverage of net charge-offs (x) | 187.5238% | 420 |
| Efficiency ratio | 48.6705% | 4,288 |
| Assets per employee ($millions) | 4.5565% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,553 |
| Loan loss allowance to noncurrent loans | 362.4687% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 1,758 |
| Noncurrent loans to loans | 0.3519% | 2,821 |
| Net loans and leases to total assets | 71.6723% | 1,072 |
| Net loans and leases to deposits | 88.2824% | 806 |
| Net loans and leases to core deposits | 98.2214% | 796 |
| Total domestic deposits to total assets | 81.1853% | 4,037 |
| Equity capital to assets | 8.1233% | 4,414 |
| Core capital (leverage) ratio | 9.2819% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0598% | 1,554 |
| Memoranda: | ||
| Average total assets | $463,823,500 | 1,795 |
| Average earning assets | $420,073,500 | 1,838 |
| Average equity | $36,973,000 | 2,206 |
| Average total loans | $334,727,500 | 1,613 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9072% | 106 |
| Cost of funding earning assets | 0.6969% | 1,729 |
| Net interest margin | 5.2103% | 95 |
| Noninterest income to average assets | 0.6477% | 2,038 |
| Noninterest expense to average assets | 3.4626% | 734 |
| Loan and lease loss provision to assets | 0.2495% | 1,545 |
| Net operating income to assets | 1.2580% | 1,362 |
| Return on assets (ROA) | 1.3821% | 1,153 |
| Pretax return on assets | 1.7821% | 716 |
| Return on Equity (ROE) | 17.1244% | 398 |
| Retained earnings to average equity (ytd only) | 17.1244% | 101 |
| Net charge-offs to loans | -0.0120% | 4,303 |
| Credit loss provision to net charge-offs | -2,984.8485% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8773% | 2,694 |
| Assets per employee ($millions) | 4.2834% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,459 |
| Loan loss allowance to noncurrent loans | 321.6073% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 1,825 |
| Noncurrent loans to loans | 0.4012% | 2,772 |
| Net loans and leases to total assets | 70.7998% | 1,457 |
| Net loans and leases to deposits | 92.7967% | 730 |
| Net loans and leases to core deposits | 102.3715% | 795 |
| Total domestic deposits to total assets | 76.2956% | 4,490 |
| Equity capital to assets | 7.8158% | 4,768 |
| Core capital (leverage) ratio | 9.1284% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9901% | 1,852 |
| Memoranda: | ||
| Average total assets | $394,764,000 | 1,877 |
| Average earning assets | $355,294,200 | 1,913 |
| Average equity | $31,861,000 | 2,397 |
| Average total loans | $273,886,600 | 1,809 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4239% | 68 |
| Cost of funding earning assets | 0.7353% | 1,830 |
| Net interest margin | 5.6887% | 63 |
| Noninterest income to average assets | 0.6250% | 2,086 |
| Noninterest expense to average assets | 3.3242% | 875 |
| Loan and lease loss provision to assets | 0.1412% | 2,605 |
| Net operating income to assets | 1.7819% | 470 |
| Return on assets (ROA) | 1.9454% | 364 |
| Pretax return on assets | 2.4771% | 219 |
| Return on Equity (ROE) | 23.8753% | 136 |
| Retained earnings to average equity (ytd only) | 23.8753% | 57 |
| Net charge-offs to loans | -0.0236% | 4,465 |
| Credit loss provision to net charge-offs | -871.7391% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9580% | 3,671 |
| Assets per employee ($millions) | 4.0748% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,716 |
| Loan loss allowance to noncurrent loans | 1,335.2727% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,592 |
| Noncurrent loans to loans | 0.0892% | 4,011 |
| Net loans and leases to total assets | 72.5920% | 1,573 |
| Net loans and leases to deposits | 93.8553% | 934 |
| Net loans and leases to core deposits | 103.7538% | 941 |
| Total domestic deposits to total assets | 77.3446% | 4,280 |
| Equity capital to assets | 8.1598% | 4,651 |
| Core capital (leverage) ratio | 9.0827% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1986% | 1,765 |
| Memoranda: | ||
| Average total assets | $378,872,750 | 1,910 |
| Average earning assets | $340,364,250 | 1,958 |
| Average equity | $30,870,750 | 2,427 |
| Average total loans | $260,173,750 | 1,860 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 421 |
| Cost of funding earning assets | 0.7778% | 1,947 |
| Net interest margin | 4.5974% | 414 |
| Noninterest income to average assets | 0.6538% | 1,924 |
| Noninterest expense to average assets | 3.1545% | 1,237 |
| Loan and lease loss provision to assets | 0.1517% | 2,490 |
| Net operating income to assets | 1.1423% | 1,835 |
| Return on assets (ROA) | 1.3941% | 1,218 |
| Pretax return on assets | 1.7894% | 829 |
| Return on Equity (ROE) | 17.1187% | 439 |
| Retained earnings to average equity (ytd only) | 17.1187% | 137 |
| Net charge-offs to loans | -0.0295% | 4,532 |
| Credit loss provision to net charge-offs | -766.6667% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0362% | 2,514 |
| Assets per employee ($millions) | 4.0830% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,704 |
| Loan loss allowance to noncurrent loans | 357.6340% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 2,315 |
| Noncurrent loans to loans | 0.3257% | 3,219 |
| Net loans and leases to total assets | 71.3581% | 1,824 |
| Net loans and leases to deposits | 93.4885% | 1,008 |
| Net loans and leases to core deposits | 104.0634% | 998 |
| Total domestic deposits to total assets | 76.3282% | 4,395 |
| Equity capital to assets | 7.4295% | 4,899 |
| Core capital (leverage) ratio | 8.4270% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2421% | 2,086 |
| Memoranda: | ||
| Average total assets | $365,261,667 | 1,936 |
| Average earning assets | $327,575,667 | 1,983 |
| Average equity | $29,745,333 | 2,482 |
| Average total loans | $244,116,667 | 1,942 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 360 |
| Cost of funding earning assets | 0.8609% | 2,054 |
| Net interest margin | 4.6653% | 363 |
| Noninterest income to average assets | 0.9573% | 939 |
| Noninterest expense to average assets | 3.6278% | 787 |
| Loan and lease loss provision to assets | 0.1872% | 1,600 |
| Net operating income to assets | 1.0426% | 2,031 |
| Return on assets (ROA) | 1.1540% | 1,787 |
| Pretax return on assets | 1.4632% | 1,404 |
| Return on Equity (ROE) | 13.4366% | 801 |
| Retained earnings to average equity (ytd only) | 13.4366% | 292 |
| Net charge-offs to loans | -0.0653% | 4,710 |
| Credit loss provision to net charge-offs | -451.4286% | 3,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6181% | 2,266 |
| Assets per employee ($millions) | 3.3843% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,190 |
| Loan loss allowance to noncurrent loans | 370.3142% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 2,366 |
| Noncurrent loans to loans | 0.4189% | 2,991 |
| Net loans and leases to total assets | 62.8327% | 3,212 |
| Net loans and leases to deposits | 76.2624% | 3,045 |
| Net loans and leases to core deposits | 86.3877% | 2,648 |
| Total domestic deposits to total assets | 82.3902% | 3,301 |
| Equity capital to assets | 8.6052% | 4,791 |
| Core capital (leverage) ratio | 9.0363% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9479% | 2,311 |
| Memoranda: | ||
| Average total assets | $337,617,000 | 2,008 |
| Average earning assets | $302,485,500 | 2,062 |
| Average equity | $28,995,500 | 2,514 |
| Average total loans | $214,358,000 | 2,085 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 233 |
| Cost of funding earning assets | 0.9728% | 1,843 |
| Net interest margin | 5.0089% | 266 |
| Noninterest income to average assets | 0.7495% | 1,630 |
| Noninterest expense to average assets | 3.8831% | 605 |
| Loan and lease loss provision to assets | 0.1406% | 1,515 |
| Net operating income to assets | 0.9334% | 3,079 |
| Return on assets (ROA) | 1.1033% | 2,528 |
| Pretax return on assets | 1.4001% | 2,160 |
| Return on Equity (ROE) | 12.2207% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.7225% | 1,516 |
| Net charge-offs to loans | -0.0491% | 4,818 |
| Credit loss provision to net charge-offs | -447.3684% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5489% | 1,542 |
| Assets per employee ($millions) | 3.3337% | 4,619 |
| Cash dividends to net income (ytd only)* | 44.9910% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 1,094 |
| Loan loss allowance to noncurrent loans | 356.6372% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 2,177 |
| Noncurrent loans to loans | 0.4338% | 2,890 |
| Net loans and leases to total assets | 62.1680% | 3,382 |
| Net loans and leases to deposits | 71.8522% | 3,530 |
| Net loans and leases to core deposits | 81.5498% | 3,173 |
| Total domestic deposits to total assets | 86.5220% | 1,838 |
| Equity capital to assets | 8.5706% | 4,882 |
| Core capital (leverage) ratio | 9.3807% | 4,188 |
| Tier 1 risk-based capital ratio | 12.8085% | 3,891 |
| Total risk-based capital ratio | 14.0610% | 3,778 |
| Memoranda: | ||
| Average total assets | $302,183,200 | 2,153 |
| Average earning assets | $269,023,400 | 2,216 |
| Average equity | $27,281,600 | 2,541 |
| Average total loans | $193,393,000 | 2,212 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 211 |
| Cost of funding earning assets | 0.9705% | 1,888 |
| Net interest margin | 5.1076% | 229 |
| Noninterest income to average assets | 0.7750% | 1,504 |
| Noninterest expense to average assets | 3.7612% | 691 |
| Loan and lease loss provision to assets | 0.1445% | 1,325 |
| Net operating income to assets | 1.1102% | 2,536 |
| Return on assets (ROA) | 1.3129% | 1,879 |
| Pretax return on assets | 1.6584% | 1,445 |
| Return on Equity (ROE) | 14.3390% | 917 |
| Retained earnings to average equity (ytd only) | 6.9401% | 1,887 |
| Net charge-offs to loans | -0.0675% | 4,902 |
| Credit loss provision to net charge-offs | -333.3333% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8645% | 1,986 |
| Assets per employee ($millions) | 3.1065% | 4,835 |
| Cash dividends to net income (ytd only)* | 51.5996% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,117 |
| Loan loss allowance to noncurrent loans | 394.1919% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 1,807 |
| Noncurrent loans to loans | 0.3931% | 3,133 |
| Net loans and leases to total assets | 67.2076% | 2,897 |
| Net loans and leases to deposits | 77.7017% | 3,133 |
| Net loans and leases to core deposits | 90.9213% | 2,474 |
| Total domestic deposits to total assets | 86.4943% | 1,775 |
| Equity capital to assets | 9.4704% | 4,481 |
| Core capital (leverage) ratio | 9.4294% | 4,251 |
| Tier 1 risk-based capital ratio | 13.2215% | 3,730 |
| Total risk-based capital ratio | 14.4744% | 3,636 |
| Memoranda: | ||
| Average total assets | $295,220,250 | 2,202 |
| Average earning assets | $261,979,750 | 2,276 |
| Average equity | $27,030,500 | 2,571 |
| Average total loans | $189,641,250 | 2,258 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0036% | 232 |
| Cost of funding earning assets | 0.9425% | 1,955 |
| Net interest margin | 5.0611% | 254 |
| Noninterest income to average assets | 0.7275% | 1,611 |
| Noninterest expense to average assets | 3.6511% | 797 |
| Loan and lease loss provision to assets | 0.0975% | 1,917 |
| Net operating income to assets | 1.1662% | 2,273 |
| Return on assets (ROA) | 1.2877% | 1,882 |
| Pretax return on assets | 1.6284% | 1,460 |
| Return on Equity (ROE) | 14.2267% | 928 |
| Retained earnings to average equity (ytd only) | 3.0010% | 3,717 |
| Net charge-offs to loans | 0.0075% | 2,878 |
| Credit loss provision to net charge-offs | 2,057.1429% | 179 |
| Earnings coverage of net charge-offs (x) | 331.5714% | 236 |
| Efficiency ratio | 69.9001% | 2,237 |
| Assets per employee ($millions) | 3.5421% | 4,452 |
| Cash dividends to net income (ytd only)* | 78.9058% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,282 |
| Loan loss allowance to noncurrent loans | 320.8804% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 1,727 |
| Noncurrent loans to loans | 0.4674% | 2,880 |
| Net loans and leases to total assets | 62.7562% | 3,473 |
| Net loans and leases to deposits | 72.1783% | 3,675 |
| Net loans and leases to core deposits | 86.2090% | 2,943 |
| Total domestic deposits to total assets | 86.9460% | 1,621 |
| Equity capital to assets | 9.0685% | 4,759 |
| Core capital (leverage) ratio | 9.4278% | 4,222 |
| Tier 1 risk-based capital ratio | 13.3336% | 3,673 |
| Total risk-based capital ratio | 14.5860% | 3,567 |
| Memoranda: | ||
| Average total assets | $295,253,670 | 2,207 |
| Average earning assets | $262,275,670 | 2,284 |
| Average equity | $26,724,330 | 2,586 |
| Average total loans | $185,700,000 | 2,296 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 205 |
| Cost of funding earning assets | 0.9004% | 2,000 |
| Net interest margin | 5.1584% | 214 |
| Noninterest income to average assets | 0.8895% | 1,066 |
| Noninterest expense to average assets | 3.6571% | 794 |
| Loan and lease loss provision to assets | 0.1333% | 1,304 |
| Net operating income to assets | 1.3346% | 1,581 |
| Return on assets (ROA) | 1.5151% | 1,105 |
| Pretax return on assets | 1.9244% | 752 |
| Return on Equity (ROE) | 16.7547% | 496 |
| Retained earnings to average equity (ytd only) | 16.7547% | 192 |
| Net charge-offs to loans | 0.0131% | 2,235 |
| Credit loss provision to net charge-offs | 1,633.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 224.1667% | 348 |
| Efficiency ratio | 66.6584% | 2,845 |
| Assets per employee ($millions) | 3.4287% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,339 |
| Loan loss allowance to noncurrent loans | 452.7508% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 1,650 |
| Noncurrent loans to loans | 0.3313% | 3,384 |
| Net loans and leases to total assets | 64.5714% | 3,219 |
| Net loans and leases to deposits | 73.5794% | 3,481 |
| Net loans and leases to core deposits | 86.6963% | 2,805 |
| Total domestic deposits to total assets | 87.7574% | 1,454 |
| Equity capital to assets | 9.7252% | 4,064 |
| Core capital (leverage) ratio | 9.4831% | 4,151 |
| Tier 1 risk-based capital ratio | 13.7231% | 3,482 |
| Total risk-based capital ratio | 14.9748% | 3,395 |
| Memoranda: | ||
| Average total assets | $294,113,500 | 2,229 |
| Average earning assets | $262,097,000 | 2,300 |
| Average equity | $26,595,500 | 2,601 |
| Average total loans | $183,768,000 | 2,326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 197 |
| Cost of funding earning assets | 0.8148% | 1,456 |
| Net interest margin | 5.0814% | 226 |
| Noninterest income to average assets | 1.3978% | 466 |
| Noninterest expense to average assets | 3.8530% | 640 |
| Loan and lease loss provision to assets | 0.1202% | 1,842 |
| Net operating income to assets | 1.6014% | 863 |
| Return on assets (ROA) | 1.5995% | 855 |
| Pretax return on assets | 1.9465% | 633 |
| Return on Equity (ROE) | 17.7640% | 416 |
| Retained earnings to average equity (ytd only) | 14.4382% | 142 |
| Net charge-offs to loans | -0.0178% | 4,668 |
| Credit loss provision to net charge-offs | -1,003.1250% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0632% | 3,018 |
| Assets per employee ($millions) | 3.7487% | 4,252 |
| Cash dividends to net income (ytd only)* | 18.7222% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,309 |
| Loan loss allowance to noncurrent loans | 267.1273% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 1,399 |
| Noncurrent loans to loans | 0.5597% | 2,597 |
| Net loans and leases to total assets | 58.7111% | 3,901 |
| Net loans and leases to deposits | 67.1139% | 4,040 |
| Net loans and leases to core deposits | 78.3898% | 3,545 |
| Total domestic deposits to total assets | 87.4798% | 1,549 |
| Equity capital to assets | 8.4029% | 4,987 |
| Core capital (leverage) ratio | 9.2110% | 4,444 |
| Tier 1 risk-based capital ratio | 13.0750% | 3,801 |
| Total risk-based capital ratio | 14.3268% | 3,688 |
| Memoranda: | ||
| Average total assets | $267,143,000 | 2,360 |
| Average earning assets | $237,847,400 | 2,427 |
| Average equity | $24,054,200 | 2,723 |
| Average total loans | $180,015,400 | 2,332 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 155 |
| Cost of funding earning assets | 0.7762% | 1,443 |
| Net interest margin | 5.2080% | 179 |
| Noninterest income to average assets | 1.7301% | 347 |
| Noninterest expense to average assets | 3.8679% | 613 |
| Loan and lease loss provision to assets | 0.1566% | 1,247 |
| Net operating income to assets | 1.9039% | 480 |
| Return on assets (ROA) | 1.8603% | 536 |
| Pretax return on assets | 2.2742% | 355 |
| Return on Equity (ROE) | 20.2621% | 258 |
| Retained earnings to average equity (ytd only) | 15.7594% | 148 |
| Net charge-offs to loans | -0.0045% | 4,205 |
| Credit loss provision to net charge-offs | -5,050.0000% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8933% | 3,673 |
| Assets per employee ($millions) | 3.2515% | 4,831 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,525 |
| Loan loss allowance to noncurrent loans | 192.4078% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 1,179 |
| Noncurrent loans to loans | 0.7535% | 2,206 |
| Net loans and leases to total assets | 69.5373% | 2,716 |
| Net loans and leases to deposits | 79.3453% | 3,110 |
| Net loans and leases to core deposits | 95.3767% | 2,175 |
| Total domestic deposits to total assets | 87.6388% | 1,422 |
| Equity capital to assets | 9.4844% | 4,094 |
| Core capital (leverage) ratio | 9.5543% | 4,106 |
| Tier 1 risk-based capital ratio | 12.8210% | 4,006 |
| Total risk-based capital ratio | 14.0736% | 3,906 |
| Memoranda: | ||
| Average total assets | $258,017,250 | 2,429 |
| Average earning assets | $228,974,250 | 2,506 |
| Average equity | $23,689,000 | 2,771 |
| Average total loans | $179,774,250 | 2,344 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9294% | 155 |
| Cost of funding earning assets | 0.6986% | 1,629 |
| Net interest margin | 5.2309% | 158 |
| Noninterest income to average assets | 2.3170% | 228 |
| Noninterest expense to average assets | 3.8342% | 647 |
| Loan and lease loss provision to assets | 0.2207% | 739 |
| Net operating income to assets | 2.3662% | 182 |
| Return on assets (ROA) | 2.3473% | 183 |
| Pretax return on assets | 2.8891% | 127 |
| Return on Equity (ROE) | 25.8543% | 70 |
| Retained earnings to average equity (ytd only) | 19.0055% | 80 |
| Net charge-offs to loans | -0.0022% | 3,961 |
| Credit loss provision to net charge-offs | -14,200.0000% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0312% | 4,579 |
| Assets per employee ($millions) | 3.2547% | 4,875 |
| Cash dividends to net income (ytd only)* | 26.4901% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,560 |
| Loan loss allowance to noncurrent loans | 198.6446% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,692 |
| Noncurrent loans to loans | 0.7298% | 2,280 |
| Net loans and leases to total assets | 68.8736% | 2,743 |
| Net loans and leases to deposits | 78.3365% | 3,121 |
| Net loans and leases to core deposits | 92.0666% | 2,395 |
| Total domestic deposits to total assets | 87.9202% | 1,426 |
| Equity capital to assets | 9.2447% | 4,336 |
| Core capital (leverage) ratio | 9.3744% | 4,276 |
| Tier 1 risk-based capital ratio | 13.1174% | 3,837 |
| Total risk-based capital ratio | 14.3697% | 3,751 |
| Memoranda: | ||
| Average total assets | $257,316,000 | 2,447 |
| Average earning assets | $228,757,330 | 2,521 |
| Average equity | $23,361,670 | 2,811 |
| Average total loans | $178,518,330 | 2,364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 199 |
| Cost of funding earning assets | 0.6463% | 1,739 |
| Net interest margin | 5.1123% | 186 |
| Noninterest income to average assets | 4.1347% | 117 |
| Noninterest expense to average assets | 3.9846% | 543 |
| Loan and lease loss provision to assets | 0.3863% | 297 |
| Net operating income to assets | 3.5336% | 62 |
| Return on assets (ROA) | 3.4951% | 62 |
| Pretax return on assets | 4.2692% | 59 |
| Return on Equity (ROE) | 38.8577% | 20 |
| Retained earnings to average equity (ytd only) | 38.8577% | 8 |
| Net charge-offs to loans | -0.0068% | 4,112 |
| Credit loss provision to net charge-offs | -8,233.3333% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8686% | 5,280 |
| Assets per employee ($millions) | 3.6485% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,653 |
| Loan loss allowance to noncurrent loans | 210.6883% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 1,764 |
| Noncurrent loans to loans | 0.6886% | 2,489 |
| Net loans and leases to total assets | 67.2874% | 2,855 |
| Net loans and leases to deposits | 76.4177% | 3,166 |
| Net loans and leases to core deposits | 84.4964% | 2,933 |
| Total domestic deposits to total assets | 88.0521% | 1,590 |
| Equity capital to assets | 9.1617% | 4,404 |
| Core capital (leverage) ratio | 9.6142% | 3,948 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,210 |
| Total risk-based capital ratio | 13.8048% | 4,111 |
| Memoranda: | ||
| Average total assets | $255,785,500 | 2,476 |
| Average earning assets | $227,763,500 | 2,554 |
| Average equity | $23,007,000 | 2,863 |
| Average total loans | $176,793,000 | 2,395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9174% | 150 |
| Cost of funding earning assets | 0.6778% | 1,145 |
| Net interest margin | 5.2396% | 159 |
| Noninterest income to average assets | 0.4558% | 3,272 |
| Noninterest expense to average assets | 3.8192% | 679 |
| Loan and lease loss provision to assets | 0.1161% | 1,959 |
| Net operating income to assets | 0.6742% | 3,711 |
| Return on assets (ROA) | 0.7316% | 3,507 |
| Pretax return on assets | 1.2724% | 2,460 |
| Return on Equity (ROE) | 8.0569% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.0569% | 744 |
| Net charge-offs to loans | 0.0593% | 2,619 |
| Credit loss provision to net charge-offs | 283.3333% | 992 |
| Earnings coverage of net charge-offs (x) | 31.6979% | 1,490 |
| Efficiency ratio | 74.6226% | 1,804 |
| Assets per employee ($millions) | 3.5054% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,969 |
| Loan loss allowance to noncurrent loans | 270.0344% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 2,801 |
| Noncurrent loans to loans | 0.4999% | 3,028 |
| Net loans and leases to total assets | 69.0590% | 2,674 |
| Net loans and leases to deposits | 78.1079% | 3,102 |
| Net loans and leases to core deposits | 85.0331% | 2,982 |
| Total domestic deposits to total assets | 88.4149% | 1,291 |
| Equity capital to assets | 8.8183% | 4,882 |
| Core capital (leverage) ratio | 9.2954% | 4,300 |
| Tier 1 risk-based capital ratio | 11.6992% | 4,721 |
| Total risk-based capital ratio | 12.9496% | 4,607 |
| Memoranda: | ||
| Average total assets | $234,287,600 | 2,609 |
| Average earning assets | $208,469,800 | 2,683 |
| Average equity | $21,273,600 | 3,013 |
| Average total loans | $161,864,800 | 2,526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 145 |
| Cost of funding earning assets | 0.6974% | 976 |
| Net interest margin | 5.2132% | 163 |
| Noninterest income to average assets | 0.6596% | 2,164 |
| Noninterest expense to average assets | 3.7593% | 713 |
| Loan and lease loss provision to assets | 0.0636% | 2,795 |
| Net operating income to assets | 0.9802% | 2,641 |
| Return on assets (ROA) | 1.0325% | 2,440 |
| Pretax return on assets | 1.5527% | 1,573 |
| Return on Equity (ROE) | 11.2828% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.2828% | 375 |
| Net charge-offs to loans | 0.0101% | 3,371 |
| Credit loss provision to net charge-offs | 916.6667% | 379 |
| Earnings coverage of net charge-offs (x) | 221.5775% | 393 |
| Efficiency ratio | 70.9780% | 2,370 |
| Assets per employee ($millions) | 3.3331% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,872 |
| Loan loss allowance to noncurrent loans | 340.0598% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 1,592 |
| Noncurrent loans to loans | 0.4128% | 3,465 |
| Net loans and leases to total assets | 68.4924% | 2,777 |
| Net loans and leases to deposits | 81.5047% | 2,828 |
| Net loans and leases to core deposits | 88.7903% | 2,704 |
| Total domestic deposits to total assets | 84.0349% | 3,112 |
| Equity capital to assets | 9.4117% | 4,532 |
| Core capital (leverage) ratio | 9.6483% | 3,990 |
| Tier 1 risk-based capital ratio | 12.3726% | 4,398 |
| Total risk-based capital ratio | 13.6238% | 4,299 |
| Memoranda: | ||
| Average total assets | $230,639,500 | 2,657 |
| Average earning assets | $205,142,750 | 2,738 |
| Average equity | $21,105,250 | 3,057 |
| Average total loans | $158,774,500 | 2,580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8452% | 152 |
| Cost of funding earning assets | 0.7118% | 839 |
| Net interest margin | 5.1334% | 177 |
| Noninterest income to average assets | 0.8070% | 1,547 |
| Noninterest expense to average assets | 3.7337% | 741 |
| Loan and lease loss provision to assets | 0.0949% | 2,090 |
| Net operating income to assets | 1.0414% | 2,245 |
| Return on assets (ROA) | 1.0908% | 2,076 |
| Pretax return on assets | 1.6427% | 1,217 |
| Return on Equity (ROE) | 12.0361% | 1,290 |
| Retained earnings to average equity (ytd only) | 12.0361% | 316 |
| Net charge-offs to loans | 0.0939% | 1,680 |
| Credit loss provision to net charge-offs | 147.2973% | 1,542 |
| Earnings coverage of net charge-offs (x) | 25.8108% | 1,595 |
| Efficiency ratio | 69.1886% | 2,817 |
| Assets per employee ($millions) | 3.6258% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,895 |
| Loan loss allowance to noncurrent loans | 198.2960% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 1,683 |
| Noncurrent loans to loans | 0.7126% | 2,615 |
| Net loans and leases to total assets | 66.4806% | 3,033 |
| Net loans and leases to deposits | 81.5048% | 2,744 |
| Net loans and leases to core deposits | 88.9292% | 2,621 |
| Total domestic deposits to total assets | 81.5666% | 4,028 |
| Equity capital to assets | 9.2312% | 4,693 |
| Core capital (leverage) ratio | 9.4770% | 4,149 |
| Tier 1 risk-based capital ratio | 12.4074% | 4,351 |
| Total risk-based capital ratio | 13.6586% | 4,240 |
| Memoranda: | ||
| Average total assets | $229,747,670 | 2,685 |
| Average earning assets | $205,398,670 | 2,752 |
| Average equity | $20,820,670 | 3,081 |
| Average total loans | $157,673,330 | 2,595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 152 |
| Cost of funding earning assets | 0.7122% | 792 |
| Net interest margin | 5.1119% | 181 |
| Noninterest income to average assets | 1.2686% | 629 |
| Noninterest expense to average assets | 3.8513% | 642 |
| Loan and lease loss provision to assets | 0.1785% | 978 |
| Net operating income to assets | 1.2102% | 1,485 |
| Return on assets (ROA) | 1.3211% | 1,223 |
| Pretax return on assets | 1.9913% | 515 |
| Return on Equity (ROE) | 14.7170% | 685 |
| Retained earnings to average equity (ytd only) | 14.7170% | 248 |
| Net charge-offs to loans | 0.1668% | 976 |
| Credit loss provision to net charge-offs | 154.5455% | 1,192 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,603 |
| Efficiency ratio | 65.7997% | 3,533 |
| Assets per employee ($millions) | 3.5521% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,075 |
| Loan loss allowance to noncurrent loans | 138.6834% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 1,341 |
| Noncurrent loans to loans | 1.0096% | 2,032 |
| Net loans and leases to total assets | 68.5168% | 2,602 |
| Net loans and leases to deposits | 81.9328% | 2,519 |
| Net loans and leases to core deposits | 88.8288% | 2,468 |
| Total domestic deposits to total assets | 83.6256% | 3,612 |
| Equity capital to assets | 9.2009% | 4,617 |
| Core capital (leverage) ratio | 9.1907% | 4,491 |
| Tier 1 risk-based capital ratio | 12.0840% | 4,661 |
| Total risk-based capital ratio | 13.3356% | 4,556 |
| Memoranda: | ||
| Average total assets | $228,596,000 | 2,718 |
| Average earning assets | $205,012,500 | 2,778 |
| Average equity | $20,520,500 | 3,123 |
| Average total loans | $158,270,000 | 2,599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 169 |
| Cost of funding earning assets | 0.6475% | 1,071 |
| Net interest margin | 5.1262% | 199 |
| Noninterest income to average assets | 0.4264% | 3,705 |
| Noninterest expense to average assets | 3.5120% | 1,143 |
| Loan and lease loss provision to assets | 0.1882% | 1,249 |
| Net operating income to assets | 0.9213% | 2,715 |
| Return on assets (ROA) | 0.9507% | 2,688 |
| Pretax return on assets | 1.4023% | 1,931 |
| Return on Equity (ROE) | 10.6969% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.6969% | 336 |
| Net charge-offs to loans | 0.0198% | 3,654 |
| Credit loss provision to net charge-offs | 1,414.2857% | 293 |
| Earnings coverage of net charge-offs (x) | 116.2500% | 521 |
| Efficiency ratio | 69.4165% | 3,006 |
| Assets per employee ($millions) | 4.0325% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,211 |
| Loan loss allowance to noncurrent loans | 188.3983% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 2,703 |
| Noncurrent loans to loans | 0.7284% | 2,711 |
| Net loans and leases to total assets | 68.0377% | 2,762 |
| Net loans and leases to deposits | 87.6123% | 1,971 |
| Net loans and leases to core deposits | 95.1809% | 1,990 |
| Total domestic deposits to total assets | 77.6577% | 5,021 |
| Equity capital to assets | 8.7551% | 5,059 |
| Core capital (leverage) ratio | 9.0682% | 4,660 |
| Tier 1 risk-based capital ratio | 11.8471% | 4,824 |
| Total risk-based capital ratio | 13.0972% | 4,727 |
| Memoranda: | ||
| Average total assets | $210,362,200 | 2,848 |
| Average earning assets | $190,120,800 | 2,894 |
| Average equity | $18,697,000 | 3,315 |
| Average total loans | $141,184,800 | 2,765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 171 |
| Cost of funding earning assets | 0.6332% | 1,121 |
| Net interest margin | 5.1529% | 191 |
| Noninterest income to average assets | 0.3926% | 3,973 |
| Noninterest expense to average assets | 3.6309% | 946 |
| Loan and lease loss provision to assets | 0.1966% | 1,085 |
| Net operating income to assets | 0.8372% | 3,204 |
| Return on assets (ROA) | 0.8831% | 3,118 |
| Pretax return on assets | 1.2899% | 2,473 |
| Return on Equity (ROE) | 9.8942% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.8942% | 595 |
| Net charge-offs to loans | 0.0360% | 2,907 |
| Credit loss provision to net charge-offs | 818.9189% | 492 |
| Earnings coverage of net charge-offs (x) | 59.1107% | 972 |
| Efficiency ratio | 71.9003% | 2,594 |
| Assets per employee ($millions) | 3.7448% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 2,200 |
| Loan loss allowance to noncurrent loans | 273.6148% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 3,155 |
| Noncurrent loans to loans | 0.5118% | 3,462 |
| Net loans and leases to total assets | 66.0962% | 3,107 |
| Net loans and leases to deposits | 85.6596% | 2,297 |
| Net loans and leases to core deposits | 92.8161% | 2,301 |
| Total domestic deposits to total assets | 77.1615% | 5,052 |
| Equity capital to assets | 8.6185% | 5,459 |
| Core capital (leverage) ratio | 8.9465% | 4,885 |
| Tier 1 risk-based capital ratio | 11.9011% | 4,849 |
| Total risk-based capital ratio | 13.1520% | 4,743 |
| Memoranda: | ||
| Average total assets | $205,489,000 | 2,911 |
| Average earning assets | $185,727,500 | 2,959 |
| Average equity | $18,340,250 | 3,390 |
| Average total loans | $136,840,000 | 2,827 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 175 |
| Cost of funding earning assets | 0.6114% | 1,238 |
| Net interest margin | 5.1451% | 191 |
| Noninterest income to average assets | 0.3844% | 3,994 |
| Noninterest expense to average assets | 3.7636% | 811 |
| Loan and lease loss provision to assets | 0.2346% | 851 |
| Net operating income to assets | 0.7310% | 3,645 |
| Return on assets (ROA) | 0.8036% | 3,429 |
| Pretax return on assets | 1.1441% | 3,015 |
| Return on Equity (ROE) | 8.8919% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.8919% | 881 |
| Net charge-offs to loans | 0.2254% | 1,036 |
| Credit loss provision to net charge-offs | 156.6667% | 1,544 |
| Earnings coverage of net charge-offs (x) | 8.5133% | 2,513 |
| Efficiency ratio | 74.6978% | 2,259 |
| Assets per employee ($millions) | 3.5749% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 2,289 |
| Loan loss allowance to noncurrent loans | 212.2197% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,721 |
| Noncurrent loans to loans | 0.6604% | 3,092 |
| Net loans and leases to total assets | 64.2305% | 3,334 |
| Net loans and leases to deposits | 84.4274% | 2,415 |
| Net loans and leases to core deposits | 91.0576% | 2,430 |
| Total domestic deposits to total assets | 76.0778% | 5,274 |
| Equity capital to assets | 8.9160% | 5,303 |
| Core capital (leverage) ratio | 9.2299% | 4,546 |
| Tier 1 risk-based capital ratio | 12.8251% | 4,296 |
| Total risk-based capital ratio | 14.0764% | 4,214 |
| Memoranda: | ||
| Average total assets | $200,337,670 | 2,976 |
| Average earning assets | $181,222,670 | 3,032 |
| Average equity | $18,106,330 | 3,427 |
| Average total loans | $133,083,670 | 2,882 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 220 |
| Cost of funding earning assets | 0.5917% | 1,389 |
| Net interest margin | 5.0173% | 242 |
| Noninterest income to average assets | 0.4207% | 3,679 |
| Noninterest expense to average assets | 3.7006% | 893 |
| Loan and lease loss provision to assets | 0.1646% | 1,256 |
| Net operating income to assets | 0.7546% | 3,461 |
| Return on assets (ROA) | 0.8962% | 2,898 |
| Pretax return on assets | 1.3331% | 2,167 |
| Return on Equity (ROE) | 9.8459% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.8459% | 882 |
| Net charge-offs to loans | 0.0121% | 2,721 |
| Credit loss provision to net charge-offs | 2,025.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 158.2500% | 379 |
| Efficiency ratio | 74.2054% | 2,442 |
| Assets per employee ($millions) | 3.4971% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 2,437 |
| Loan loss allowance to noncurrent loans | 114.1732% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 2,185 |
| Noncurrent loans to loans | 1.2240% | 1,975 |
| Net loans and leases to total assets | 65.5712% | 3,016 |
| Net loans and leases to deposits | 81.3404% | 2,624 |
| Net loans and leases to core deposits | 86.7856% | 2,675 |
| Total domestic deposits to total assets | 80.6133% | 4,602 |
| Equity capital to assets | 8.9326% | 5,240 |
| Core capital (leverage) ratio | 9.3521% | 4,422 |
| Tier 1 risk-based capital ratio | 12.4488% | 4,621 |
| Total risk-based capital ratio | 13.6993% | 4,523 |
| Memoranda: | ||
| Average total assets | $196,833,000 | 3,019 |
| Average earning assets | $179,141,000 | 3,060 |
| Average equity | $17,916,000 | 3,453 |
| Average total loans | $132,089,000 | 2,905 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3506% | 88 |
| Cost of funding earning assets | 0.7286% | 706 |
| Net interest margin | 5.6220% | 105 |
| Noninterest income to average assets | 0.5192% | 3,202 |
| Noninterest expense to average assets | 4.0178% | 657 |
| Loan and lease loss provision to assets | 0.2314% | 857 |
| Net operating income to assets | 0.8958% | 2,897 |
| Return on assets (ROA) | 0.9404% | 2,734 |
| Pretax return on assets | 1.4354% | 1,767 |
| Return on Equity (ROE) | 9.8947% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.8947% | 474 |
| Net charge-offs to loans | 0.0724% | 2,799 |
| Credit loss provision to net charge-offs | 438.8235% | 701 |
| Earnings coverage of net charge-offs (x) | 30.3294% | 1,449 |
| Efficiency ratio | 71.5295% | 2,975 |
| Assets per employee ($millions) | 3.6007% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 2,428 |
| Loan loss allowance to noncurrent loans | 163.3243% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 2,587 |
| Noncurrent loans to loans | 0.8562% | 2,640 |
| Net loans and leases to total assets | 66.8045% | 2,876 |
| Net loans and leases to deposits | 80.2754% | 2,792 |
| Net loans and leases to core deposits | 86.1207% | 2,785 |
| Total domestic deposits to total assets | 83.2191% | 3,762 |
| Equity capital to assets | 9.2823% | 4,812 |
| Core capital (leverage) ratio | 9.6288% | 4,005 |
| Tier 1 risk-based capital ratio | 12.9659% | 4,345 |
| Total risk-based capital ratio | 14.2173% | 4,248 |
| Memoranda: | ||
| Average total assets | $161,207,400 | 3,411 |
| Average earning assets | $146,175,600 | 3,456 |
| Average equity | $15,321,400 | 3,780 |
| Average total loans | $117,419,200 | 3,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4582% | 81 |
| Cost of funding earning assets | 0.7765% | 572 |
| Net interest margin | 5.6817% | 95 |
| Noninterest income to average assets | 0.4985% | 3,378 |
| Noninterest expense to average assets | 4.1022% | 593 |
| Loan and lease loss provision to assets | 0.2453% | 709 |
| Net operating income to assets | 0.8351% | 3,252 |
| Return on assets (ROA) | 0.8695% | 3,172 |
| Pretax return on assets | 1.3420% | 2,241 |
| Return on Equity (ROE) | 9.0829% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.0829% | 875 |
| Net charge-offs to loans | 0.0944% | 2,218 |
| Credit loss provision to net charge-offs | 349.3827% | 842 |
| Earnings coverage of net charge-offs (x) | 21.8513% | 1,808 |
| Efficiency ratio | 72.7776% | 2,751 |
| Assets per employee ($millions) | 3.5739% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 2,591 |
| Loan loss allowance to noncurrent loans | 134.1121% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,342 |
| Noncurrent loans to loans | 1.0446% | 2,388 |
| Net loans and leases to total assets | 65.2138% | 3,127 |
| Net loans and leases to deposits | 77.6300% | 3,134 |
| Net loans and leases to core deposits | 82.7175% | 3,174 |
| Total domestic deposits to total assets | 84.0059% | 3,425 |
| Equity capital to assets | 8.2187% | 5,863 |
| Core capital (leverage) ratio | 9.6191% | 4,146 |
| Tier 1 risk-based capital ratio | 11.4120% | 5,420 |
| Total risk-based capital ratio | 12.6627% | 5,334 |
| Memoranda: | ||
| Average total assets | $153,800,250 | 3,543 |
| Average earning assets | $139,086,000 | 3,585 |
| Average equity | $14,723,250 | 3,918 |
| Average total loans | $114,450,250 | 3,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7163% | 69 |
| Cost of funding earning assets | 0.8624% | 348 |
| Net interest margin | 5.8539% | 83 |
| Noninterest income to average assets | 0.5366% | 3,129 |
| Noninterest expense to average assets | 4.3726% | 468 |
| Loan and lease loss provision to assets | 0.2557% | 669 |
| Net operating income to assets | 0.7548% | 3,624 |
| Return on assets (ROA) | 0.7923% | 3,520 |
| Pretax return on assets | 1.2409% | 2,594 |
| Return on Equity (ROE) | 7.7994% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.7994% | 1,347 |
| Net charge-offs to loans | 0.1523% | 1,574 |
| Credit loss provision to net charge-offs | 215.2941% | 1,154 |
| Earnings coverage of net charge-offs (x) | 12.1059% | 2,241 |
| Efficiency ratio | 75.2525% | 2,503 |
| Assets per employee ($millions) | 2.8116% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,755 |
| Loan loss allowance to noncurrent loans | 156.6312% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0377% | 2,433 |
| Noncurrent loans to loans | 0.8943% | 2,893 |
| Net loans and leases to total assets | 79.4259% | 879 |
| Net loans and leases to deposits | 99.8825% | 666 |
| Net loans and leases to core deposits | 109.0669% | 889 |
| Total domestic deposits to total assets | 79.5194% | 4,974 |
| Equity capital to assets | 10.3421% | 3,626 |
| Core capital (leverage) ratio | 10.3754% | 3,110 |
| Tier 1 risk-based capital ratio | 12.8224% | 4,610 |
| Total risk-based capital ratio | 14.0745% | 4,527 |
| Memoranda: | ||
| Average total assets | $143,119,000 | 3,730 |
| Average earning assets | $128,940,000 | 3,774 |
| Average equity | $14,539,670 | 3,958 |
| Average total loans | $111,627,670 | 3,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6095% | 74 |
| Cost of funding earning assets | 0.9229% | 253 |
| Net interest margin | 5.6866% | 94 |
| Noninterest income to average assets | 0.6462% | 2,418 |
| Noninterest expense to average assets | 4.2579% | 520 |
| Loan and lease loss provision to assets | 0.2826% | 534 |
| Net operating income to assets | 0.7740% | 3,393 |
| Return on assets (ROA) | 0.7973% | 3,402 |
| Pretax return on assets | 1.2617% | 2,416 |
| Return on Equity (ROE) | 7.9197% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.9197% | 1,595 |
| Net charge-offs to loans | 0.2553% | 940 |
| Credit loss provision to net charge-offs | 144.2857% | 1,282 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,145 |
| Efficiency ratio | 73.8476% | 2,839 |
| Assets per employee ($millions) | 3.2314% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 2,927 |
| Loan loss allowance to noncurrent loans | 93.3213% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5705% | 1,642 |
| Noncurrent loans to loans | 1.4986% | 1,885 |
| Net loans and leases to total assets | 76.9078% | 1,071 |
| Net loans and leases to deposits | 96.9741% | 766 |
| Net loans and leases to core deposits | 106.1878% | 926 |
| Total domestic deposits to total assets | 79.3075% | 5,213 |
| Equity capital to assets | 10.2383% | 3,844 |
| Core capital (leverage) ratio | 10.1290% | 3,427 |
| Tier 1 risk-based capital ratio | 13.2811% | 4,449 |
| Total risk-based capital ratio | 14.5330% | 4,360 |
| Memoranda: | ||
| Average total assets | $142,981,500 | 3,760 |
| Average earning assets | $128,723,000 | 3,812 |
| Average equity | $14,394,500 | 4,014 |
| Average total loans | $109,686,500 | 3,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1887% | 58 |
| Cost of funding earning assets | 0.8514% | 502 |
| Net interest margin | 6.3373% | 70 |
| Noninterest income to average assets | 0.5065% | 3,458 |
| Noninterest expense to average assets | 4.6625% | 403 |
| Loan and lease loss provision to assets | 0.1966% | 1,299 |
| Net operating income to assets | 0.8801% | 2,975 |
| Return on assets (ROA) | 0.8511% | 3,208 |
| Pretax return on assets | 1.2897% | 2,278 |
| Return on Equity (ROE) | 8.2136% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.2136% | 941 |
| Net charge-offs to loans | 0.0476% | 3,875 |
| Credit loss provision to net charge-offs | 542.5532% | 492 |
| Earnings coverage of net charge-offs (x) | 42.2340% | 1,037 |
| Efficiency ratio | 75.2894% | 2,626 |
| Assets per employee ($millions) | 3.6867% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 2,945 |
| Loan loss allowance to noncurrent loans | 69.6290% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 1,275 |
| Noncurrent loans to loans | 2.0125% | 1,380 |
| Net loans and leases to total assets | 74.3860% | 1,518 |
| Net loans and leases to deposits | 97.5519% | 789 |
| Net loans and leases to core deposits | 104.2508% | 1,112 |
| Total domestic deposits to total assets | 76.2528% | 5,696 |
| Equity capital to assets | 9.8984% | 4,234 |
| Core capital (leverage) ratio | 10.2069% | 3,301 |
| Tier 1 risk-based capital ratio | 14.5317% | 3,758 |
| Total risk-based capital ratio | 15.7862% | 3,694 |
| Memoranda: | ||
| Average total assets | $129,716,400 | 3,979 |
| Average earning assets | $116,390,200 | 4,044 |
| Average equity | $13,441,200 | 4,114 |
| Average total loans | $98,742,800 | 3,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2016% | 60 |
| Cost of funding earning assets | 0.8120% | 646 |
| Net interest margin | 6.3897% | 67 |
| Noninterest income to average assets | 0.4892% | 3,621 |
| Noninterest expense to average assets | 4.6391% | 403 |
| Loan and lease loss provision to assets | 0.1690% | 1,460 |
| Net operating income to assets | 0.9380% | 2,744 |
| Return on assets (ROA) | 0.9170% | 2,934 |
| Pretax return on assets | 1.3861% | 2,061 |
| Return on Equity (ROE) | 8.7386% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.7386% | 1,081 |
| Net charge-offs to loans | 0.0125% | 4,312 |
| Credit loss provision to net charge-offs | 1,777.7778% | 203 |
| Earnings coverage of net charge-offs (x) | 166.8850% | 375 |
| Efficiency ratio | 74.5121% | 2,735 |
| Assets per employee ($millions) | 3.0182% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 3,162 |
| Loan loss allowance to noncurrent loans | 59.5684% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1303% | 1,313 |
| Noncurrent loans to loans | 2.3543% | 1,267 |
| Net loans and leases to total assets | 77.4531% | 1,033 |
| Net loans and leases to deposits | 102.1278% | 495 |
| Net loans and leases to core deposits | 109.8090% | 751 |
| Total domestic deposits to total assets | 75.8394% | 5,840 |
| Equity capital to assets | 10.4700% | 3,605 |
| Core capital (leverage) ratio | 10.7739% | 2,724 |
| Tier 1 risk-based capital ratio | 15.1193% | 3,520 |
| Total risk-based capital ratio | 16.3744% | 3,458 |
| Memoranda: | ||
| Average total assets | $126,200,250 | 4,081 |
| Average earning assets | $113,305,000 | 4,141 |
| Average equity | $13,243,500 | 4,173 |
| Average total loans | $96,310,250 | 3,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2364% | 58 |
| Cost of funding earning assets | 0.7967% | 723 |
| Net interest margin | 6.4397% | 66 |
| Noninterest income to average assets | 0.4871% | 3,578 |
| Noninterest expense to average assets | 4.7500% | 368 |
| Loan and lease loss provision to assets | 0.2097% | 1,136 |
| Net operating income to assets | 0.8690% | 2,962 |
| Return on assets (ROA) | 0.8371% | 3,233 |
| Pretax return on assets | 1.2677% | 2,379 |
| Return on Equity (ROE) | 7.9703% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.9703% | 1,338 |
| Net charge-offs to loans | 0.0064% | 4,156 |
| Credit loss provision to net charge-offs | 4,333.3333% | 84 |
| Earnings coverage of net charge-offs (x) | 315.3333% | 221 |
| Efficiency ratio | 75.6875% | 2,695 |
| Assets per employee ($millions) | 2.9407% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,336 |
| Loan loss allowance to noncurrent loans | 72.9346% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8824% | 1,725 |
| Noncurrent loans to loans | 1.9234% | 1,772 |
| Net loans and leases to total assets | 76.4286% | 1,113 |
| Net loans and leases to deposits | 102.7679% | 408 |
| Net loans and leases to core deposits | 110.6918% | 667 |
| Total domestic deposits to total assets | 74.3701% | 6,078 |
| Equity capital to assets | 10.2441% | 3,766 |
| Core capital (leverage) ratio | 10.7107% | 2,710 |
| Tier 1 risk-based capital ratio | 14.9759% | 3,654 |
| Total risk-based capital ratio | 16.2288% | 3,593 |
| Memoranda: | ||
| Average total assets | $124,000,670 | 4,156 |
| Average earning assets | $111,464,670 | 4,202 |
| Average equity | $13,023,330 | 4,215 |
| Average total loans | $93,640,330 | 3,598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7181% | 83 |
| Cost of funding earning assets | 0.7762% | 855 |
| Net interest margin | 5.9419% | 87 |
| Noninterest income to average assets | 0.3238% | 4,777 |
| Noninterest expense to average assets | 4.7999% | 358 |
| Loan and lease loss provision to assets | 0.0401% | 3,279 |
| Net operating income to assets | 0.5441% | 4,481 |
| Return on assets (ROA) | 0.5441% | 4,552 |
| Pretax return on assets | 0.8245% | 4,004 |
| Return on Equity (ROE) | 5.1109% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.1109% | 3,052 |
| Net charge-offs to loans | 0.0404% | 2,822 |
| Credit loss provision to net charge-offs | 133.3333% | 1,358 |
| Earnings coverage of net charge-offs (x) | 28.7778% | 1,077 |
| Efficiency ratio | 84.7378% | 1,586 |
| Assets per employee ($millions) | 3.0959% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,402 |
| Loan loss allowance to noncurrent loans | 80.3299% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 2,237 |
| Noncurrent loans to loans | 1.7956% | 2,147 |
| Net loans and leases to total assets | 72.5556% | 1,486 |
| Net loans and leases to deposits | 95.4734% | 687 |
| Net loans and leases to core deposits | 103.1988% | 912 |
| Total domestic deposits to total assets | 75.9957% | 6,077 |
| Equity capital to assets | 10.5010% | 3,244 |
| Core capital (leverage) ratio | 11.4448% | 2,011 |
| Tier 1 risk-based capital ratio | 16.0543% | 3,147 |
| Total risk-based capital ratio | 17.3083% | 3,096 |
| Memoranda: | ||
| Average total assets | $119,836,000 | 4,280 |
| Average earning assets | $107,709,500 | 4,324 |
| Average equity | $12,757,000 | 4,283 |
| Average total loans | $89,172,000 | 3,715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7555% | 75 |
| Cost of funding earning assets | 0.8089% | 1,168 |
| Net interest margin | 5.9466% | 86 |
| Noninterest income to average assets | 0.7420% | 2,326 |
| Noninterest expense to average assets | 4.1771% | 714 |
| Loan and lease loss provision to assets | 0.2098% | 1,765 |
| Net operating income to assets | 1.1730% | 1,674 |
| Return on assets (ROA) | 1.1742% | 1,725 |
| Pretax return on assets | 1.7783% | 796 |
| Return on Equity (ROE) | 10.7020% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.7020% | 463 |
| Net charge-offs to loans | 0.1597% | 3,208 |
| Credit loss provision to net charge-offs | 179.2308% | 1,278 |
| Earnings coverage of net charge-offs (x) | 16.9692% | 1,752 |
| Efficiency ratio | 67.7721% | 4,242 |
| Assets per employee ($millions) | 2.7580% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,156 |
| Loan loss allowance to noncurrent loans | 77.4041% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 1,445 |
| Noncurrent loans to loans | 1.9443% | 2,052 |
| Net loans and leases to total assets | 74.1281% | 1,328 |
| Net loans and leases to deposits | 98.9092% | 544 |
| Net loans and leases to core deposits | 106.6101% | 763 |
| Total domestic deposits to total assets | 74.9456% | 6,204 |
| Equity capital to assets | 10.7998% | 2,816 |
| Core capital (leverage) ratio | 11.1913% | 2,205 |
| Tier 1 risk-based capital ratio | 17.0068% | 2,601 |
| Total risk-based capital ratio | 18.2624% | 2,570 |
| Memoranda: | ||
| Average total assets | $111,058,600 | 4,474 |
| Average earning assets | $101,250,800 | 4,478 |
| Average equity | $12,184,600 | 4,412 |
| Average total loans | $81,378,800 | 3,894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7385% | 78 |
| Cost of funding earning assets | 0.7929% | 1,371 |
| Net interest margin | 5.9456% | 86 |
| Noninterest income to average assets | 0.8204% | 2,055 |
| Noninterest expense to average assets | 4.0813% | 786 |
| Loan and lease loss provision to assets | 0.2512% | 1,418 |
| Net operating income to assets | 1.2739% | 1,418 |
| Return on assets (ROA) | 1.2755% | 1,481 |
| Pretax return on assets | 1.9320% | 671 |
| Return on Equity (ROE) | 11.5779% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.5779% | 490 |
| Net charge-offs to loans | 0.1768% | 2,805 |
| Credit loss provision to net charge-offs | 195.2830% | 1,239 |
| Earnings coverage of net charge-offs (x) | 16.9528% | 1,764 |
| Efficiency ratio | 65.1744% | 4,620 |
| Assets per employee ($millions) | 3.2178% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,220 |
| Loan loss allowance to noncurrent loans | 86.2978% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 2,213 |
| Noncurrent loans to loans | 1.7978% | 2,498 |
| Net loans and leases to total assets | 71.7585% | 1,640 |
| Net loans and leases to deposits | 96.3478% | 664 |
| Net loans and leases to core deposits | 104.7402% | 839 |
| Total domestic deposits to total assets | 74.4786% | 6,335 |
| Equity capital to assets | 10.7338% | 3,031 |
| Core capital (leverage) ratio | 11.1206% | 2,365 |
| Tier 1 risk-based capital ratio | 17.2155% | 2,622 |
| Total risk-based capital ratio | 18.4780% | 2,583 |
| Memoranda: | ||
| Average total assets | $109,864,250 | 4,539 |
| Average earning assets | $100,554,500 | 4,545 |
| Average equity | $12,103,250 | 4,476 |
| Average total loans | $79,928,750 | 3,972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5371% | 96 |
| Cost of funding earning assets | 0.7814% | 1,515 |
| Net interest margin | 5.7557% | 101 |
| Noninterest income to average assets | 0.8566% | 1,979 |
| Noninterest expense to average assets | 4.2217% | 680 |
| Loan and lease loss provision to assets | 0.2280% | 1,650 |
| Net operating income to assets | 1.1248% | 1,838 |
| Return on assets (ROA) | 1.1273% | 1,947 |
| Pretax return on assets | 1.7094% | 1,093 |
| Return on Equity (ROE) | 10.1392% | 2,146 |
| Retained earnings to average equity (ytd only) | 10.1392% | 815 |
| Net charge-offs to loans | 0.1734% | 2,735 |
| Credit loss provision to net charge-offs | 180.8824% | 1,314 |
| Earnings coverage of net charge-offs (x) | 15.3382% | 1,748 |
| Efficiency ratio | 68.5843% | 4,086 |
| Assets per employee ($millions) | 3.7948% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,340 |
| Loan loss allowance to noncurrent loans | 80.1014% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 2,604 |
| Noncurrent loans to loans | 1.9408% | 2,463 |
| Net loans and leases to total assets | 68.0406% | 2,221 |
| Net loans and leases to deposits | 90.2707% | 1,120 |
| Net loans and leases to core deposits | 97.2340% | 1,266 |
| Total domestic deposits to total assets | 75.3740% | 6,320 |
| Equity capital to assets | 10.2678% | 3,579 |
| Core capital (leverage) ratio | 11.0676% | 2,293 |
| Tier 1 risk-based capital ratio | 17.7372% | 2,421 |
| Total risk-based capital ratio | 19.0001% | 2,381 |
| Memoranda: | ||
| Average total assets | $107,872,330 | 4,612 |
| Average earning assets | $99,310,330 | 4,607 |
| Average equity | $11,993,000 | 4,540 |
| Average total loans | $78,426,670 | 4,025 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7093% | 76 |
| Cost of funding earning assets | 0.7549% | 1,807 |
| Net interest margin | 5.9544% | 82 |
| Noninterest income to average assets | 0.7574% | 2,304 |
| Noninterest expense to average assets | 4.6258% | 488 |
| Loan and lease loss provision to assets | 0.3068% | 1,115 |
| Net operating income to assets | 0.8423% | 2,938 |
| Return on assets (ROA) | 0.7884% | 3,361 |
| Pretax return on assets | 1.1963% | 2,588 |
| Return on Equity (ROE) | 6.7950% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.7950% | 2,254 |
| Net charge-offs to loans | 0.2390% | 2,016 |
| Credit loss provision to net charge-offs | 171.7391% | 1,229 |
| Earnings coverage of net charge-offs (x) | 8.8696% | 1,906 |
| Efficiency ratio | 74.4841% | 3,179 |
| Assets per employee ($millions) | 3.5046% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 3,599 |
| Loan loss allowance to noncurrent loans | 58.3921% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2542% | 2,071 |
| Noncurrent loans to loans | 2.6610% | 1,935 |
| Net loans and leases to total assets | 74.8435% | 977 |
| Net loans and leases to deposits | 95.2582% | 583 |
| Net loans and leases to core deposits | 106.1142% | 640 |
| Total domestic deposits to total assets | 78.5691% | 6,035 |
| Equity capital to assets | 11.4592% | 2,450 |
| Core capital (leverage) ratio | 11.7336% | 1,722 |
| Tier 1 risk-based capital ratio | 17.4553% | 2,577 |
| Total risk-based capital ratio | 18.7125% | 2,535 |
| Memoranda: | ||
| Average total assets | $102,988,500 | 4,791 |
| Average earning assets | $94,317,500 | 4,790 |
| Average equity | $11,950,000 | 4,587 |
| Average total loans | $76,986,500 | 4,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6374% | 112 |
| Cost of funding earning assets | 0.8871% | 2,014 |
| Net interest margin | 5.7503% | 118 |
| Noninterest income to average assets | 0.6001% | 3,278 |
| Noninterest expense to average assets | 4.1699% | 804 |
| Loan and lease loss provision to assets | 0.0692% | 4,882 |
| Net operating income to assets | 1.0742% | 2,042 |
| Return on assets (ROA) | 1.1218% | 2,032 |
| Pretax return on assets | 1.6944% | 1,149 |
| Return on Equity (ROE) | 9.7623% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.7623% | 643 |
| Net charge-offs to loans | 0.2465% | 3,463 |
| Credit loss provision to net charge-offs | 40.4762% | 4,929 |
| Earnings coverage of net charge-offs (x) | 9.8988% | 2,204 |
| Efficiency ratio | 71.1435% | 3,600 |
| Assets per employee ($millions) | 3.1512% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,174 |
| Loan loss allowance to noncurrent loans | 67.8071% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.2571% | 2,174 |
| Noncurrent loans to loans | 2.4081% | 2,215 |
| Net loans and leases to total assets | 72.2270% | 1,454 |
| Net loans and leases to deposits | 92.6699% | 855 |
| Net loans and leases to core deposits | 103.4471% | 816 |
| Total domestic deposits to total assets | 77.9401% | 6,092 |
| Equity capital to assets | 11.7534% | 2,220 |
| Core capital (leverage) ratio | 11.5161% | 1,865 |
| Tier 1 risk-based capital ratio | 18.5616% | 2,085 |
| Total risk-based capital ratio | 19.8197% | 2,047 |
| Memoranda: | ||
| Average total assets | $98,323,000 | 4,878 |
| Average earning assets | $89,960,000 | 4,870 |
| Average equity | $11,298,600 | 4,705 |
| Average total loans | $68,157,800 | 4,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5383% | 135 |
| Cost of funding earning assets | 0.9113% | 2,099 |
| Net interest margin | 5.6270% | 152 |
| Noninterest income to average assets | 0.5746% | 3,445 |
| Noninterest expense to average assets | 4.1243% | 800 |
| Loan and lease loss provision to assets | 0.0682% | 4,827 |
| Net operating income to assets | 1.0170% | 2,419 |
| Return on assets (ROA) | 1.0809% | 2,365 |
| Pretax return on assets | 1.6364% | 1,462 |
| Return on Equity (ROE) | 9.4619% | 2,608 |
| Retained earnings to average equity (ytd only) | 9.4619% | 1,075 |
| Net charge-offs to loans | 0.2159% | 3,432 |
| Credit loss provision to net charge-offs | 46.2963% | 4,488 |
| Earnings coverage of net charge-offs (x) | 10.9072% | 2,133 |
| Efficiency ratio | 71.9524% | 3,340 |
| Assets per employee ($millions) | 3.1805% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 2,747 |
| Loan loss allowance to noncurrent loans | 82.3026% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 2,471 |
| Noncurrent loans to loans | 2.2057% | 2,615 |
| Net loans and leases to total assets | 64.4645% | 2,938 |
| Net loans and leases to deposits | 81.8336% | 2,145 |
| Net loans and leases to core deposits | 91.3596% | 1,842 |
| Total domestic deposits to total assets | 78.7751% | 5,923 |
| Equity capital to assets | 11.0312% | 3,235 |
| Core capital (leverage) ratio | 10.8497% | 2,546 |
| Tier 1 risk-based capital ratio | 18.2848% | 2,238 |
| Total risk-based capital ratio | 19.5441% | 2,207 |
| Memoranda: | ||
| Average total assets | $97,694,000 | 4,940 |
| Average earning assets | $89,542,250 | 4,925 |
| Average equity | $11,160,250 | 4,774 |
| Average total loans | $66,686,750 | 4,516 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7419% | 106 |
| Cost of funding earning assets | 0.9491% | 2,070 |
| Net interest margin | 5.7929% | 116 |
| Noninterest income to average assets | 0.5374% | 3,666 |
| Noninterest expense to average assets | 4.2782% | 663 |
| Loan and lease loss provision to assets | 0.0777% | 4,641 |
| Net operating income to assets | 0.9785% | 2,549 |
| Return on assets (ROA) | 1.0769% | 2,361 |
| Pretax return on assets | 1.6353% | 1,433 |
| Return on Equity (ROE) | 9.3095% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.3095% | 1,171 |
| Net charge-offs to loans | 0.2244% | 3,232 |
| Credit loss provision to net charge-offs | 50.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | 10.0676% | 2,102 |
| Efficiency ratio | 73.2303% | 3,206 |
| Assets per employee ($millions) | 3.2299% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,581 |
| Loan loss allowance to noncurrent loans | 188.1657% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 3,728 |
| Noncurrent loans to loans | 1.0063% | 4,495 |
| Net loans and leases to total assets | 68.0173% | 2,288 |
| Net loans and leases to deposits | 87.7845% | 1,387 |
| Net loans and leases to core deposits | 96.3158% | 1,406 |
| Total domestic deposits to total assets | 77.4820% | 6,251 |
| Equity capital to assets | 11.6486% | 2,455 |
| Core capital (leverage) ratio | 11.1256% | 2,183 |
| Tier 1 risk-based capital ratio | 18.2482% | 2,211 |
| Total risk-based capital ratio | 19.5095% | 2,176 |
| Memoranda: | ||
| Average total assets | $95,273,000 | 5,028 |
| Average earning assets | $87,245,000 | 5,016 |
| Average equity | $11,021,000 | 4,807 |
| Average total loans | $65,945,330 | 4,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8888% | 99 |
| Cost of funding earning assets | 0.9841% | 2,077 |
| Net interest margin | 5.9047% | 111 |
| Noninterest income to average assets | 0.6521% | 2,917 |
| Noninterest expense to average assets | 4.2726% | 689 |
| Loan and lease loss provision to assets | 0.1228% | 3,807 |
| Net operating income to assets | 1.1137% | 2,015 |
| Return on assets (ROA) | 1.1137% | 2,199 |
| Pretax return on assets | 1.6684% | 1,383 |
| Return on Equity (ROE) | 9.6620% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.6620% | 1,362 |
| Net charge-offs to loans | 0.4653% | 1,925 |
| Credit loss provision to net charge-offs | 38.1579% | 3,477 |
| Earnings coverage of net charge-offs (x) | 5.5658% | 2,338 |
| Efficiency ratio | 70.4609% | 3,725 |
| Assets per employee ($millions) | 3.3076% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,595 |
| Loan loss allowance to noncurrent loans | 213.1757% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 3,843 |
| Noncurrent loans to loans | 0.9042% | 4,862 |
| Net loans and leases to total assets | 66.9409% | 2,295 |
| Net loans and leases to deposits | 86.0330% | 1,419 |
| Net loans and leases to core deposits | 96.3882% | 1,266 |
| Total domestic deposits to total assets | 77.8084% | 6,293 |
| Equity capital to assets | 11.4211% | 2,505 |
| Core capital (leverage) ratio | 11.0656% | 2,208 |
| Tier 1 risk-based capital ratio | 18.2800% | 2,210 |
| Total risk-based capital ratio | 19.5395% | 2,179 |
| Memoranda: | ||
| Average total assets | $94,461,500 | 5,084 |
| Average earning assets | $86,575,500 | 5,065 |
| Average equity | $10,888,000 | 4,842 |
| Average total loans | $65,329,000 | 4,604 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4554% | 73 |
| Cost of funding earning assets | 1.1977% | 2,038 |
| Net interest margin | 6.2577% | 74 |
| Noninterest income to average assets | 0.8930% | 1,695 |
| Noninterest expense to average assets | 4.6965% | 491 |
| Loan and lease loss provision to assets | 0.0840% | 5,559 |
| Net operating income to assets | 1.1519% | 1,663 |
| Return on assets (ROA) | 1.2002% | 1,619 |
| Pretax return on assets | 1.8231% | 768 |
| Return on Equity (ROE) | 9.9384% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.9384% | 585 |
| Net charge-offs to loans | 0.2759% | 4,044 |
| Credit loss provision to net charge-offs | 41.4201% | 5,607 |
| Earnings coverage of net charge-offs (x) | 9.0414% | 2,045 |
| Efficiency ratio | 71.9169% | 3,592 |
| Assets per employee ($millions) | 3.1001% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 2,247 |
| Loan loss allowance to noncurrent loans | 150.6329% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 2,978 |
| Noncurrent loans to loans | 1.3331% | 4,146 |
| Net loans and leases to total assets | 68.6831% | 2,270 |
| Net loans and leases to deposits | 88.9022% | 1,277 |
| Net loans and leases to core deposits | 100.5351% | 1,130 |
| Total domestic deposits to total assets | 77.2569% | 6,307 |
| Equity capital to assets | 11.6350% | 2,400 |
| Core capital (leverage) ratio | 10.8596% | 2,387 |
| Tier 1 risk-based capital ratio | 17.6307% | 2,327 |
| Total risk-based capital ratio | 18.8948% | 2,285 |
| Memoranda: | ||
| Average total assets | $83,317,400 | 5,363 |
| Average earning assets | $75,059,400 | 5,372 |
| Average equity | $10,062,000 | 4,995 |
| Average total loans | $61,258,600 | 4,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5916% | 65 |
| Cost of funding earning assets | 1.2267% | 2,147 |
| Net interest margin | 6.3649% | 71 |
| Noninterest income to average assets | 0.9938% | 1,355 |
| Noninterest expense to average assets | 4.6627% | 493 |
| Loan and lease loss provision to assets | 0.1088% | 5,079 |
| Net operating income to assets | 1.2769% | 1,438 |
| Return on assets (ROA) | 1.3433% | 1,372 |
| Pretax return on assets | 2.0355% | 585 |
| Return on Equity (ROE) | 11.0070% | 1,857 |
| Retained earnings to average equity (ytd only) | 11.0070% | 629 |
| Net charge-offs to loans | 0.4579% | 2,899 |
| Credit loss provision to net charge-offs | 31.8841% | 5,384 |
| Earnings coverage of net charge-offs (x) | 5.9904% | 2,648 |
| Efficiency ratio | 69.5257% | 4,034 |
| Assets per employee ($millions) | 2.9725% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 2,127 |
| Loan loss allowance to noncurrent loans | 238.1579% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 2,792 |
| Noncurrent loans to loans | 0.8717% | 5,118 |
| Net loans and leases to total assets | 64.8594% | 3,139 |
| Net loans and leases to deposits | 84.1230% | 1,981 |
| Net loans and leases to core deposits | 95.6531% | 1,640 |
| Total domestic deposits to total assets | 77.1007% | 6,365 |
| Equity capital to assets | 11.4589% | 2,722 |
| Core capital (leverage) ratio | 11.0239% | 2,366 |
| Tier 1 risk-based capital ratio | 17.6374% | 2,384 |
| Total risk-based capital ratio | 18.9005% | 2,346 |
| Memoranda: | ||
| Average total assets | $80,895,750 | 5,480 |
| Average earning assets | $72,604,500 | 5,495 |
| Average equity | $9,872,250 | 5,072 |
| Average total loans | $60,276,500 | 4,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9852% | 57 |
| Cost of funding earning assets | 1.2683% | 2,131 |
| Net interest margin | 6.7169% | 63 |
| Noninterest income to average assets | 1.0681% | 1,154 |
| Noninterest expense to average assets | 4.8247% | 427 |
| Loan and lease loss provision to assets | 0.1478% | 4,464 |
| Net operating income to assets | 1.4015% | 1,080 |
| Return on assets (ROA) | 1.4700% | 1,006 |
| Pretax return on assets | 2.2270% | 393 |
| Return on Equity (ROE) | 11.7594% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.7594% | 555 |
| Net charge-offs to loans | 0.2332% | 3,726 |
| Credit loss provision to net charge-offs | 81.4286% | 3,724 |
| Earnings coverage of net charge-offs (x) | 12.5143% | 1,623 |
| Efficiency ratio | 67.9942% | 4,514 |
| Assets per employee ($millions) | 2.5996% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2409% | 1,838 |
| Loan loss allowance to noncurrent loans | 142.0570% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7497% | 3,576 |
| Noncurrent loans to loans | 1.5775% | 4,033 |
| Net loans and leases to total assets | 75.5159% | 1,152 |
| Net loans and leases to deposits | 86.8714% | 1,665 |
| Net loans and leases to core deposits | 98.6129% | 1,457 |
| Total domestic deposits to total assets | 86.9284% | 2,782 |
| Equity capital to assets | 12.4958% | 1,781 |
| Core capital (leverage) ratio | 12.0196% | 1,586 |
| Tier 1 risk-based capital ratio | 18.3804% | 2,051 |
| Total risk-based capital ratio | 19.6508% | 1,991 |
| Memoranda: | ||
| Average total assets | $77,145,330 | 5,617 |
| Average earning assets | $69,228,330 | 5,651 |
| Average equity | $9,643,330 | 5,140 |
| Average total loans | $60,024,330 | 4,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9458% | 62 |
| Cost of funding earning assets | 1.3630% | 1,817 |
| Net interest margin | 6.5828% | 67 |
| Noninterest income to average assets | 1.0554% | 1,182 |
| Noninterest expense to average assets | 4.8313% | 424 |
| Loan and lease loss provision to assets | 0.2333% | 3,313 |
| Net operating income to assets | 1.2251% | 1,463 |
| Return on assets (ROA) | 1.2251% | 1,519 |
| Pretax return on assets | 1.8562% | 733 |
| Return on Equity (ROE) | 9.7985% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.7985% | 1,158 |
| Net charge-offs to loans | -0.0136% | 6,448 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8084% | 4,316 |
| Assets per employee ($millions) | 2.5403% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4211% | 1,579 |
| Loan loss allowance to noncurrent loans | 112.4517% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 2,706 |
| Noncurrent loans to loans | 2.1530% | 3,380 |
| Net loans and leases to total assets | 76.8964% | 887 |
| Net loans and leases to deposits | 88.3851% | 1,414 |
| Net loans and leases to core deposits | 94.9128% | 1,779 |
| Total domestic deposits to total assets | 87.0015% | 2,936 |
| Equity capital to assets | 12.5274% | 1,619 |
| Core capital (leverage) ratio | 11.7704% | 1,693 |
| Tier 1 risk-based capital ratio | 17.8406% | 2,168 |
| Total risk-based capital ratio | 19.1129% | 2,132 |
| Memoranda: | ||
| Average total assets | $75,424,500 | 5,714 |
| Average earning assets | $67,205,500 | 5,758 |
| Average equity | $9,430,000 | 5,196 |
| Average total loans | $58,911,000 | 5,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3184% | 57 |
| Cost of funding earning assets | 1.6750% | 1,708 |
| Net interest margin | 6.6435% | 63 |
| Noninterest income to average assets | -0.3120% | 7,512 |
| Noninterest expense to average assets | 5.1570% | 379 |
| Loan and lease loss provision to assets | 0.5498% | 2,938 |
| Net operating income to assets | -0.2854% | 6,199 |
| Return on assets (ROA) | 0.2113% | 5,409 |
| Pretax return on assets | 0.3106% | 5,206 |
| Return on Equity (ROE) | 1.7616% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.7616% | 4,623 |
| Net charge-offs to loans | 0.5558% | 3,395 |
| Credit loss provision to net charge-offs | 125.5591% | 3,247 |
| Earnings coverage of net charge-offs (x) | 0.2971% | 5,810 |
| Efficiency ratio | 97.5390% | 891 |
| Assets per employee ($millions) | 2.5738% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 1,500 |
| Loan loss allowance to noncurrent loans | 60.8470% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 4.6490% | 1,426 |
| Noncurrent loans to loans | 4.0058% | 1,810 |
| Net loans and leases to total assets | 75.5064% | 1,374 |
| Net loans and leases to deposits | 86.7620% | 1,970 |
| Net loans and leases to core deposits | 93.5294% | 2,320 |
| Total domestic deposits to total assets | 87.0271% | 2,803 |
| Equity capital to assets | 12.4772% | 1,646 |
| Core capital (leverage) ratio | 11.8440% | 1,647 |
| Tier 1 risk-based capital ratio | 17.5050% | 2,172 |
| Total risk-based capital ratio | 18.7764% | 2,128 |
| Memoranda: | ||
| Average total assets | $71,475,600 | 5,841 |
| Average earning assets | $60,239,600 | 5,988 |
| Average equity | $8,571,600 | 5,534 |
| Average total loans | $56,318,200 | 5,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4145% | 55 |
| Cost of funding earning assets | 1.7451% | 1,649 |
| Net interest margin | 6.6694% | 61 |
| Noninterest income to average assets | -0.5376% | 7,684 |
| Noninterest expense to average assets | 5.2853% | 307 |
| Loan and lease loss provision to assets | 0.7130% | 2,141 |
| Net operating income to assets | -0.6543% | 6,697 |
| Return on assets (ROA) | -0.4414% | 6,591 |
| Pretax return on assets | -0.6696% | 6,658 |
| Return on Equity (ROE) | -3.7203% | 6,551 |
| Retained earnings to average equity (ytd only) | -3.7203% | 6,428 |
| Net charge-offs to loans | 0.4694% | 3,402 |
| Credit loss provision to net charge-offs | 191.8782% | 1,867 |
| Earnings coverage of net charge-offs (x) | -0.7513% | 6,405 |
| Efficiency ratio | 105.5765% | 606 |
| Assets per employee ($millions) | 2.3716% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6143% | 1,186 |
| Loan loss allowance to noncurrent loans | 57.8383% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 5.1330% | 1,248 |
| Noncurrent loans to loans | 4.5199% | 1,598 |
| Net loans and leases to total assets | 79.0085% | 880 |
| Net loans and leases to deposits | 91.5999% | 1,502 |
| Net loans and leases to core deposits | 96.9056% | 2,158 |
| Total domestic deposits to total assets | 86.2540% | 2,949 |
| Equity capital to assets | 13.1739% | 1,501 |
| Core capital (leverage) ratio | 11.2820% | 2,076 |
| Tier 1 risk-based capital ratio | 15.8121% | 2,858 |
| Total risk-based capital ratio | 17.0858% | 2,796 |
| Memoranda: | ||
| Average total assets | $70,684,500 | 5,927 |
| Average earning assets | $58,754,250 | 6,103 |
| Average equity | $8,386,250 | 5,662 |
| Average total loans | $55,956,250 | 5,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2745% | 60 |
| Cost of funding earning assets | 1.8268% | 1,538 |
| Net interest margin | 6.4477% | 70 |
| Noninterest income to average assets | -1.2675% | 7,804 |
| Noninterest expense to average assets | 5.2914% | 308 |
| Loan and lease loss provision to assets | 1.0804% | 1,331 |
| Net operating income to assets | -1.5727% | 7,176 |
| Return on assets (ROA) | -1.4660% | 7,150 |
| Pretax return on assets | -2.2232% | 7,300 |
| Return on Equity (ROE) | -12.8330% | 7,064 |
| Retained earnings to average equity (ytd only) | -12.8330% | 7,025 |
| Net charge-offs to loans | 0.3757% | 3,484 |
| Credit loss provision to net charge-offs | 366.3462% | 994 |
| Earnings coverage of net charge-offs (x) | -4.4231% | 6,284 |
| Efficiency ratio | 132.7169% | 299 |
| Assets per employee ($millions) | 2.2040% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8182% | 984 |
| Loan loss allowance to noncurrent loans | 43.9847% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 7.3276% | 702 |
| Noncurrent loans to loans | 6.4071% | 945 |
| Net loans and leases to total assets | 78.4752% | 1,031 |
| Net loans and leases to deposits | 90.4318% | 1,782 |
| Net loans and leases to core deposits | 96.0802% | 2,428 |
| Total domestic deposits to total assets | 86.7783% | 2,662 |
| Equity capital to assets | 12.7467% | 1,670 |
| Core capital (leverage) ratio | 10.3121% | 2,811 |
| Tier 1 risk-based capital ratio | 14.2621% | 3,567 |
| Total risk-based capital ratio | 15.5377% | 3,520 |
| Memoranda: | ||
| Average total assets | $70,530,000 | 5,961 |
| Average earning assets | $57,477,670 | 6,188 |
| Average equity | $8,057,330 | 5,780 |
| Average total loans | $55,367,670 | 5,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9251% | 78 |
| Cost of funding earning assets | 1.9122% | 1,398 |
| Net interest margin | 6.0129% | 106 |
| Noninterest income to average assets | 0.6409% | 2,990 |
| Noninterest expense to average assets | 5.0588% | 353 |
| Loan and lease loss provision to assets | 0.4083% | 2,918 |
| Net operating income to assets | -0.0113% | 6,318 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.7256% | 2,049 |
| Credit loss provision to net charge-offs | 72.7273% | 4,039 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 4,396 |
| Efficiency ratio | 92.7235% | 1,225 |
| Assets per employee ($millions) | 2.2736% | 7,481 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 1,446 |
| Loan loss allowance to noncurrent loans | 33.2312% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 9.1697% | 481 |
| Noncurrent loans to loans | 7.1593% | 823 |
| Net loans and leases to total assets | 75.7399% | 1,597 |
| Net loans and leases to deposits | 85.2205% | 2,723 |
| Net loans and leases to core deposits | 90.0083% | 3,359 |
| Total domestic deposits to total assets | 88.8752% | 1,584 |
| Equity capital to assets | 10.7843% | 2,966 |
| Core capital (leverage) ratio | 8.6180% | 5,178 |
| Tier 1 risk-based capital ratio | 12.1278% | 5,057 |
| Total risk-based capital ratio | 13.3956% | 5,009 |
| Memoranda: | ||
| Average total assets | $70,531,000 | 6,033 |
| Average earning assets | $56,479,000 | 6,302 |
| Average equity | $7,591,000 | 5,979 |
| Average total loans | $54,575,500 | 5,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0911% | 47 |
| Cost of funding earning assets | 2.8118% | 430 |
| Net interest margin | 6.2793% | 92 |
| Noninterest income to average assets | 0.8871% | 1,997 |
| Noninterest expense to average assets | 5.3300% | 430 |
| Loan and lease loss provision to assets | 0.0393% | 7,154 |
| Net operating income to assets | 0.3069% | 4,508 |
| Return on assets (ROA) | 0.4363% | 4,103 |
| Pretax return on assets | 0.8319% | 3,142 |
| Return on Equity (ROE) | 4.3038% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.3038% | 2,213 |
| Net charge-offs to loans | 1.1316% | 2,162 |
| Credit loss provision to net charge-offs | 4.4046% | 6,997 |
| Earnings coverage of net charge-offs (x) | 0.7504% | 5,347 |
| Efficiency ratio | 88.8485% | 1,812 |
| Assets per employee ($millions) | 2.2056% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,307 |
| Loan loss allowance to noncurrent loans | 32.5810% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 9.7846% | 381 |
| Noncurrent loans to loans | 7.4834% | 710 |
| Net loans and leases to total assets | 75.2890% | 1,967 |
| Net loans and leases to deposits | 84.7647% | 3,126 |
| Net loans and leases to core deposits | 136.5725% | 931 |
| Total domestic deposits to total assets | 88.8212% | 1,560 |
| Equity capital to assets | 10.7410% | 2,936 |
| Core capital (leverage) ratio | 8.5510% | 5,194 |
| Tier 1 risk-based capital ratio | 12.0707% | 4,881 |
| Total risk-based capital ratio | 13.3401% | 4,827 |
| Memoranda: | ||
| Average total assets | $68,762,000 | 6,044 |
| Average earning assets | $55,977,800 | 6,292 |
| Average equity | $6,970,600 | 6,282 |
| Average total loans | $54,169,200 | 5,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2079% | 47 |
| Cost of funding earning assets | 2.9469% | 386 |
| Net interest margin | 6.2610% | 89 |
| Noninterest income to average assets | 0.8100% | 2,379 |
| Noninterest expense to average assets | 5.3404% | 396 |
| Loan and lease loss provision to assets | 0.0293% | 7,055 |
| Net operating income to assets | 0.3519% | 4,594 |
| Return on assets (ROA) | 0.5309% | 3,947 |
| Pretax return on assets | 0.8042% | 3,527 |
| Return on Equity (ROE) | 5.3192% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.3192% | 2,300 |
| Net charge-offs to loans | 1.3753% | 1,496 |
| Credit loss provision to net charge-offs | 2.6882% | 6,650 |
| Earnings coverage of net charge-offs (x) | 0.5161% | 5,512 |
| Efficiency ratio | 90.4762% | 1,647 |
| Assets per employee ($millions) | 2.3354% | 7,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5168% | 1,043 |
| Loan loss allowance to noncurrent loans | 31.2158% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 9.2691% | 406 |
| Noncurrent loans to loans | 8.0626% | 600 |
| Net loans and leases to total assets | 75.7954% | 2,032 |
| Net loans and leases to deposits | 85.5465% | 3,407 |
| Net loans and leases to core deposits | 132.6348% | 1,299 |
| Total domestic deposits to total assets | 88.6014% | 1,390 |
| Equity capital to assets | 10.8363% | 3,181 |
| Core capital (leverage) ratio | 8.9055% | 4,802 |
| Tier 1 risk-based capital ratio | 12.0059% | 4,972 |
| Total risk-based capital ratio | 13.2770% | 4,888 |
| Memoranda: | ||
| Average total assets | $68,307,500 | 6,095 |
| Average earning assets | $55,559,500 | 6,358 |
| Average equity | $6,818,000 | 6,387 |
| Average total loans | $54,094,750 | 5,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1752% | 51 |
| Cost of funding earning assets | 3.0596% | 401 |
| Net interest margin | 6.1156% | 101 |
| Noninterest income to average assets | 0.5700% | 3,894 |
| Noninterest expense to average assets | 5.4959% | 382 |
| Loan and lease loss provision to assets | 0.0207% | 7,022 |
| Net operating income to assets | 0.0827% | 5,615 |
| Return on assets (ROA) | 0.3189% | 4,927 |
| Pretax return on assets | 0.3189% | 5,167 |
| Return on Equity (ROE) | 3.2927% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.2927% | 3,492 |
| Net charge-offs to loans | 1.1785% | 1,550 |
| Credit loss provision to net charge-offs | 2.2013% | 6,232 |
| Earnings coverage of net charge-offs (x) | 0.1101% | 5,563 |
| Efficiency ratio | 98.1540% | 1,261 |
| Assets per employee ($millions) | 2.4313% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8142% | 672 |
| Loan loss allowance to noncurrent loans | 23.4220% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 12.3377% | 169 |
| Noncurrent loans to loans | 12.0150% | 224 |
| Net loans and leases to total assets | 81.3194% | 1,084 |
| Net loans and leases to deposits | 92.8235% | 2,314 |
| Net loans and leases to core deposits | 141.7862% | 942 |
| Total domestic deposits to total assets | 87.6065% | 1,967 |
| Equity capital to assets | 10.6528% | 3,247 |
| Core capital (leverage) ratio | 7.8639% | 6,537 |
| Tier 1 risk-based capital ratio | 10.7962% | 6,087 |
| Total risk-based capital ratio | 12.0715% | 5,993 |
| Memoranda: | ||
| Average total assets | $67,723,000 | 6,162 |
| Average earning assets | $55,693,670 | 6,405 |
| Average equity | $6,560,000 | 6,512 |
| Average total loans | $53,968,330 | 5,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0342% | 53 |
| Cost of funding earning assets | 3.2400% | 306 |
| Net interest margin | 5.7941% | 127 |
| Noninterest income to average assets | 0.6159% | 3,437 |
| Noninterest expense to average assets | 5.4481% | 373 |
| Loan and lease loss provision to assets | 0.0118% | 6,692 |
| Net operating income to assets | -0.1421% | 6,472 |
| Return on assets (ROA) | -0.1421% | 6,575 |
| Pretax return on assets | -0.1421% | 6,515 |
| Return on Equity (ROE) | -1.5449% | 6,613 |
| Retained earnings to average equity (ytd only) | -1.5449% | 6,007 |
| Net charge-offs to loans | 1.3569% | 1,042 |
| Credit loss provision to net charge-offs | 1.1236% | 5,243 |
| Earnings coverage of net charge-offs (x) | -0.1236% | 5,097 |
| Efficiency ratio | 102.3385% | 1,039 |
| Assets per employee ($millions) | 2.2995% | 7,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3020% | 375 |
| Loan loss allowance to noncurrent loans | 25.6949% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 12.7606% | 128 |
| Noncurrent loans to loans | 12.8508% | 153 |
| Net loans and leases to total assets | 73.7787% | 2,815 |
| Net loans and leases to deposits | 82.8213% | 4,159 |
| Net loans and leases to core deposits | 125.4362% | 1,960 |
| Total domestic deposits to total assets | 89.0818% | 1,194 |
| Equity capital to assets | 10.4717% | 3,488 |
| Core capital (leverage) ratio | 8.0098% | 6,432 |
| Tier 1 risk-based capital ratio | 10.7604% | 6,130 |
| Total risk-based capital ratio | 12.0419% | 6,007 |
| Memoranda: | ||
| Average total assets | $67,546,500 | 6,195 |
| Average earning assets | $54,814,000 | 6,469 |
| Average equity | $6,214,000 | 6,685 |
| Average total loans | $52,471,500 | 5,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8698% | 74 |
| Cost of funding earning assets | 3.9034% | 138 |
| Net interest margin | 4.9665% | 551 |
| Noninterest income to average assets | 0.4563% | 4,994 |
| Noninterest expense to average assets | 5.9672% | 405 |
| Loan and lease loss provision to assets | 3.1134% | 286 |
| Net operating income to assets | -2.7220% | 7,765 |
| Return on assets (ROA) | -3.9740% | 7,969 |
| Pretax return on assets | -6.3811% | 8,128 |
| Return on Equity (ROE) | -61.3791% | 8,206 |
| Retained earnings to average equity (ytd only) | -61.3791% | 8,196 |
| Net charge-offs to loans | 2.9109% | 308 |
| Credit loss provision to net charge-offs | 140.8529% | 3,767 |
| Earnings coverage of net charge-offs (x) | -0.5933% | 6,510 |
| Efficiency ratio | 128.1397% | 480 |
| Assets per employee ($millions) | 1.8888% | 7,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6591% | 246 |
| Loan loss allowance to noncurrent loans | 27.3898% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 13.9773% | 71 |
| Noncurrent loans to loans | 13.3593% | 91 |
| Net loans and leases to total assets | 76.2310% | 2,561 |
| Net loans and leases to deposits | 84.0825% | 4,413 |
| Net loans and leases to core deposits | 122.0578% | 2,499 |
| Total domestic deposits to total assets | 90.6621% | 442 |
| Equity capital to assets | 7.8721% | 7,008 |
| Core capital (leverage) ratio | 4.9389% | 8,215 |
| Tier 1 risk-based capital ratio | 6.0775% | 8,229 |
| Total risk-based capital ratio | 7.3594% | 8,229 |
| Memoranda: | ||
| Average total assets | $73,200,000 | 5,931 |
| Average earning assets | $61,895,200 | 6,090 |
| Average equity | $4,739,400 | 7,234 |
| Average total loans | $55,583,800 | 5,466 |