Home > Texas Republic Bank > Performance and Condition Ratios
Texas Republic 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 | 7.0233% | 328 |
| Cost of funding earning assets | 2.3127% | 1,197 |
| Net interest margin | 4.7106% | 458 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 2.9686% | 1,185 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.3307% | 1,416 |
| Return on assets (ROA) | 1.3307% | 1,410 |
| Pretax return on assets | 1.6902% | 1,126 |
| Return on Equity (ROE) | 10.4300% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.4263% | 1,093 |
| Net charge-offs to loans | 0.0831% | 927 |
| Credit loss provision to net charge-offs | 117.8571% | 1,165 |
| Earnings coverage of net charge-offs (x) | 25.7024% | 1,320 |
| Efficiency ratio | 63.1003% | 2,587 |
| Assets per employee ($millions) | 6.2488% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 1,510 |
| Loan loss allowance to noncurrent loans | 93.4853% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 575 |
| Noncurrent loans to loans | 1.4390% | 693 |
| Net loans and leases to total assets | 80.6300% | 536 |
| Net loans and leases to deposits | 108.0498% | 191 |
| Net loans and leases to core deposits | 123.1024% | 467 |
| Total domestic deposits to total assets | 74.6200% | 4,047 |
| Equity capital to assets | 12.8668% | 958 |
| Core capital (leverage) ratio | 12.8130% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $497,469,000 | 1,788 |
| Average earning assets | $474,076,000 | 1,751 |
| Average equity | $63,493,500 | 1,480 |
| Average total loans | $404,279,000 | 1,549 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1917% | 318 |
| Cost of funding earning assets | 2.6278% | 928 |
| Net interest margin | 4.5639% | 589 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.8265% | 1,452 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.3283% | 1,221 |
| Return on assets (ROA) | 1.3283% | 1,220 |
| Pretax return on assets | 1.6834% | 1,001 |
| Return on Equity (ROE) | 10.9500% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.9544% | 442 |
| Net charge-offs to loans | 0.0038% | 2,831 |
| Credit loss provision to net charge-offs | 460.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 558.0667% | 235 |
| Efficiency ratio | 62.2469% | 2,916 |
| Assets per employee ($millions) | 6.1116% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,396 |
| Loan loss allowance to noncurrent loans | 93.8527% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 544 |
| Noncurrent loans to loans | 1.4600% | 665 |
| Net loans and leases to total assets | 79.7000% | 689 |
| Net loans and leases to deposits | 106.7250% | 237 |
| Net loans and leases to core deposits | 121.4380% | 557 |
| Total domestic deposits to total assets | 74.6700% | 4,024 |
| Equity capital to assets | 12.6588% | 982 |
| Core capital (leverage) ratio | 12.4815% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8876% | 1,079 |
| Memoranda: | ||
| Average total assets | $488,301,000 | 1,797 |
| Average earning assets | $465,939,000 | 1,762 |
| Average equity | $59,209,000 | 1,510 |
| Average total loans | $396,608,400 | 1,533 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1412% | 333 |
| Cost of funding earning assets | 2.6776% | 870 |
| Net interest margin | 4.4636% | 662 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.8786% | 1,301 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.1984% | 1,523 |
| Return on assets (ROA) | 1.1984% | 1,529 |
| Pretax return on assets | 1.5179% | 1,284 |
| Return on Equity (ROE) | 10.0000% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.9955% | 860 |
| Net charge-offs to loans | 0.0037% | 2,576 |
| Credit loss provision to net charge-offs | 445.4545% | 692 |
| Earnings coverage of net charge-offs (x) | 518.9091% | 233 |
| Efficiency ratio | 64.7959% | 2,622 |
| Assets per employee ($millions) | 6.4654% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,454 |
| Loan loss allowance to noncurrent loans | 94.9444% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 542 |
| Noncurrent loans to loans | 1.4401% | 670 |
| Net loans and leases to total assets | 79.1900% | 735 |
| Net loans and leases to deposits | 105.5150% | 269 |
| Net loans and leases to core deposits | 120.5718% | 603 |
| Total domestic deposits to total assets | 75.0500% | 4,002 |
| Equity capital to assets | 12.1588% | 1,222 |
| Core capital (leverage) ratio | 12.0013% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $486,616,750 | 1,796 |
| Average earning assets | $464,638,000 | 1,763 |
| Average equity | $58,344,750 | 1,517 |
| Average total loans | $395,759,250 | 1,527 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0294% | 354 |
| Cost of funding earning assets | 2.6452% | 850 |
| Net interest margin | 4.3842% | 717 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.8140% | 1,425 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.1999% | 1,473 |
| Return on assets (ROA) | 1.1999% | 1,469 |
| Pretax return on assets | 1.5188% | 1,246 |
| Return on Equity (ROE) | 10.0600% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.0562% | 864 |
| Net charge-offs to loans | -0.0005% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.3615% | 2,726 |
| Assets per employee ($millions) | 6.1517% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,481 |
| Loan loss allowance to noncurrent loans | 87.7881% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2856% | 420 |
| Noncurrent loans to loans | 1.5582% | 544 |
| Net loans and leases to total assets | 81.3800% | 534 |
| Net loans and leases to deposits | 108.7931% | 243 |
| Net loans and leases to core deposits | 124.6304% | 516 |
| Total domestic deposits to total assets | 74.8000% | 3,998 |
| Equity capital to assets | 12.1515% | 1,118 |
| Core capital (leverage) ratio | 11.8401% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $482,877,000 | 1,804 |
| Average earning assets | $461,518,667 | 1,763 |
| Average equity | $57,616,000 | 1,518 |
| Average total loans | $394,449,333 | 1,531 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9319% | 361 |
| Cost of funding earning assets | 2.5674% | 886 |
| Net interest margin | 4.3645% | 706 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.7823% | 1,511 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.2299% | 1,369 |
| Return on assets (ROA) | 1.2299% | 1,377 |
| Pretax return on assets | 1.5574% | 1,163 |
| Return on Equity (ROE) | 10.4000% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.4048% | 1,022 |
| Net charge-offs to loans | -0.0010% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.8688% | 2,837 |
| Assets per employee ($millions) | 6.8435% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 1,411 |
| Loan loss allowance to noncurrent loans | 68.4826% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 244 |
| Noncurrent loans to loans | 2.0366% | 317 |
| Net loans and leases to total assets | 80.3300% | 583 |
| Net loans and leases to deposits | 110.5811% | 178 |
| Net loans and leases to core deposits | 128.5375% | 443 |
| Total domestic deposits to total assets | 72.6400% | 4,199 |
| Equity capital to assets | 12.0316% | 1,112 |
| Core capital (leverage) ratio | 11.8737% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $481,324,000 | 1,809 |
| Average earning assets | $460,535,000 | 1,771 |
| Average equity | $56,897,000 | 1,519 |
| Average total loans | $391,188,000 | 1,536 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7617% | 272 |
| Cost of funding earning assets | 1.9107% | 1,049 |
| Net interest margin | 4.8510% | 390 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8567% | 1,382 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.6020% | 862 |
| Return on assets (ROA) | 1.6020% | 832 |
| Pretax return on assets | 2.0279% | 643 |
| Return on Equity (ROE) | 13.6600% | 1,568 |
| Retained earnings to average equity (ytd only) | 13.6610% | 434 |
| Net charge-offs to loans | -0.0008% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.2291% | 3,272 |
| Assets per employee ($millions) | 6.2805% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,446 |
| Loan loss allowance to noncurrent loans | 154.7918% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 713 |
| Noncurrent loans to loans | 0.8941% | 842 |
| Net loans and leases to total assets | 79.9600% | 643 |
| Net loans and leases to deposits | 109.3257% | 213 |
| Net loans and leases to core deposits | 128.1454% | 432 |
| Total domestic deposits to total assets | 73.1400% | 4,157 |
| Equity capital to assets | 11.6123% | 1,247 |
| Core capital (leverage) ratio | 11.7617% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5727% | 1,378 |
| Memoranda: | ||
| Average total assets | $449,818,000 | 1,861 |
| Average earning assets | $430,900,000 | 1,805 |
| Average equity | $52,748,800 | 1,533 |
| Average total loans | $386,541,200 | 1,510 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6925% | 251 |
| Cost of funding earning assets | 1.7635% | 1,074 |
| Net interest margin | 4.9289% | 342 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.9640% | 1,122 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5956% | 945 |
| Return on assets (ROA) | 1.5956% | 942 |
| Pretax return on assets | 2.0200% | 737 |
| Return on Equity (ROE) | 13.5700% | 1,776 |
| Retained earnings to average equity (ytd only) | 13.5702% | 730 |
| Net charge-offs to loans | -0.0007% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1940% | 3,065 |
| Assets per employee ($millions) | 6.1908% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 1,074 |
| Loan loss allowance to noncurrent loans | 95.3851% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 317 |
| Noncurrent loans to loans | 1.5861% | 443 |
| Net loans and leases to total assets | 81.2200% | 510 |
| Net loans and leases to deposits | 112.0382% | 163 |
| Net loans and leases to core deposits | 130.3071% | 343 |
| Total domestic deposits to total assets | 72.4900% | 4,234 |
| Equity capital to assets | 11.5231% | 1,171 |
| Core capital (leverage) ratio | 11.5767% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $441,372,250 | 1,887 |
| Average earning assets | $423,231,250 | 1,830 |
| Average equity | $51,896,750 | 1,548 |
| Average total loans | $385,145,250 | 1,511 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5545% | 249 |
| Cost of funding earning assets | 1.5686% | 1,127 |
| Net interest margin | 4.9859% | 317 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.9518% | 1,126 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6365% | 894 |
| Return on assets (ROA) | 1.6365% | 898 |
| Pretax return on assets | 2.0720% | 659 |
| Return on Equity (ROE) | 13.8200% | 1,721 |
| Retained earnings to average equity (ytd only) | 13.8175% | 708 |
| Net charge-offs to loans | -0.0005% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.3425% | 3,156 |
| Assets per employee ($millions) | 5.9849% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,090 |
| Loan loss allowance to noncurrent loans | 146.4321% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 534 |
| Noncurrent loans to loans | 1.0450% | 710 |
| Net loans and leases to total assets | 86.4500% | 132 |
| Net loans and leases to deposits | 121.3569% | 82 |
| Net loans and leases to core deposits | 138.2726% | 232 |
| Total domestic deposits to total assets | 71.2300% | 4,320 |
| Equity capital to assets | 12.0088% | 1,046 |
| Core capital (leverage) ratio | 11.8184% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $431,663,333 | 1,914 |
| Average earning assets | $414,892,333 | 1,860 |
| Average equity | $51,123,667 | 1,575 |
| Average total loans | $384,193,000 | 1,499 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4744% | 187 |
| Cost of funding earning assets | 1.3305% | 1,168 |
| Net interest margin | 5.1438% | 237 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8472% | 1,341 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.8003% | 666 |
| Return on assets (ROA) | 1.8003% | 658 |
| Pretax return on assets | 2.2795% | 505 |
| Return on Equity (ROE) | 15.3100% | 1,492 |
| Retained earnings to average equity (ytd only) | 15.3094% | 757 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9182% | 3,513 |
| Assets per employee ($millions) | 6.3646% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,180 |
| Loan loss allowance to noncurrent loans | 195.8835% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 689 |
| Noncurrent loans to loans | 0.7797% | 984 |
| Net loans and leases to total assets | 87.1900% | 99 |
| Net loans and leases to deposits | 124.0353% | 62 |
| Net loans and leases to core deposits | 134.6727% | 233 |
| Total domestic deposits to total assets | 70.3000% | 4,410 |
| Equity capital to assets | 11.7527% | 1,072 |
| Core capital (leverage) ratio | 11.7807% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $429,046,500 | 1,946 |
| Average earning assets | $413,076,000 | 1,889 |
| Average equity | $50,452,500 | 1,604 |
| Average total loans | $384,514,000 | 1,514 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 228 |
| Cost of funding earning assets | 0.4528% | 1,704 |
| Net interest margin | 4.7393% | 192 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.8909% | 1,137 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4772% | 939 |
| Return on assets (ROA) | 1.4772% | 902 |
| Pretax return on assets | 1.8703% | 625 |
| Return on Equity (ROE) | 13.1700% | 1,753 |
| Retained earnings to average equity (ytd only) | 13.1689% | 487 |
| Net charge-offs to loans | 0.0132% | 1,885 |
| Credit loss provision to net charge-offs | 1,850.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 187.7826% | 683 |
| Efficiency ratio | 58.2181% | 3,311 |
| Assets per employee ($millions) | 5.9901% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,706 |
| Loan loss allowance to noncurrent loans | 145.7351% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 678 |
| Noncurrent loans to loans | 0.7810% | 952 |
| Net loans and leases to total assets | 89.6800% | 40 |
| Net loans and leases to deposits | 128.8325% | 43 |
| Net loans and leases to core deposits | 136.3842% | 165 |
| Total domestic deposits to total assets | 69.6100% | 4,479 |
| Equity capital to assets | 11.7659% | 1,003 |
| Core capital (leverage) ratio | 11.5952% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8749% | 2,022 |
| Memoranda: | ||
| Average total assets | $416,342,000 | 1,968 |
| Average earning assets | $401,519,200 | 1,916 |
| Average equity | $46,700,800 | 1,715 |
| Average total loans | $347,713,800 | 1,553 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 273 |
| Cost of funding earning assets | 0.3520% | 1,684 |
| Net interest margin | 4.4762% | 250 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.8202% | 1,208 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.3945% | 1,110 |
| Return on assets (ROA) | 1.3945% | 1,080 |
| Pretax return on assets | 1.7657% | 791 |
| Return on Equity (ROE) | 12.5900% | 1,839 |
| Retained earnings to average equity (ytd only) | 12.5900% | 679 |
| Net charge-offs to loans | 0.0004% | 2,331 |
| Credit loss provision to net charge-offs | 48,300.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 5,967.0000% | 17 |
| Efficiency ratio | 59.4798% | 3,187 |
| Assets per employee ($millions) | 6.1433% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,119 |
| Loan loss allowance to noncurrent loans | 5,811.4286% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,799 |
| Noncurrent loans to loans | 0.0185% | 3,790 |
| Net loans and leases to total assets | 86.9400% | 91 |
| Net loans and leases to deposits | 107.9531% | 154 |
| Net loans and leases to core deposits | 111.8748% | 413 |
| Total domestic deposits to total assets | 80.5400% | 4,051 |
| Equity capital to assets | 11.2085% | 1,094 |
| Core capital (leverage) ratio | 11.5677% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $414,103,000 | 1,985 |
| Average earning assets | $399,642,750 | 1,930 |
| Average equity | $45,866,000 | 1,752 |
| Average total loans | $338,189,750 | 1,576 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 341 |
| Cost of funding earning assets | 0.3318% | 1,426 |
| Net interest margin | 4.2268% | 316 |
| Noninterest income to average assets | 0.4672% | 2,361 |
| Noninterest expense to average assets | 2.8518% | 1,072 |
| Loan and lease loss provision to assets | 0.1419% | 671 |
| Net operating income to assets | 1.2290% | 1,330 |
| Return on assets (ROA) | 1.2290% | 1,315 |
| Pretax return on assets | 1.5563% | 1,035 |
| Return on Equity (ROE) | 11.1427% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.1427% | 762 |
| Net charge-offs to loans | 0.0006% | 2,136 |
| Credit loss provision to net charge-offs | 29,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 3,471.0000% | 21 |
| Efficiency ratio | 62.6774% | 2,956 |
| Assets per employee ($millions) | 5.6848% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,045 |
| Loan loss allowance to noncurrent loans | 4,783.9506% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,808 |
| Noncurrent loans to loans | 0.0236% | 3,785 |
| Net loans and leases to total assets | 82.9107% | 244 |
| Net loans and leases to deposits | 103.5815% | 178 |
| Net loans and leases to core deposits | 107.1402% | 415 |
| Total domestic deposits to total assets | 80.0439% | 4,223 |
| Equity capital to assets | 11.3316% | 1,088 |
| Core capital (leverage) ratio | 11.6413% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,793,333 | 2,018 |
| Average earning assets | $394,861,333 | 1,961 |
| Average equity | $45,088,000 | 1,827 |
| Average total loans | $324,933,667 | 1,614 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 411 |
| Cost of funding earning assets | 0.3319% | 1,354 |
| Net interest margin | 4.0105% | 408 |
| Noninterest income to average assets | 0.5483% | 1,909 |
| Noninterest expense to average assets | 2.8658% | 1,029 |
| Loan and lease loss provision to assets | 0.1312% | 624 |
| Net operating income to assets | 1.1211% | 1,471 |
| Return on assets (ROA) | 1.1211% | 1,463 |
| Pretax return on assets | 1.4197% | 1,204 |
| Return on Equity (ROE) | 10.3057% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.3057% | 948 |
| Net charge-offs to loans | 0.0025% | 1,715 |
| Credit loss provision to net charge-offs | 6,700.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 792.0000% | 119 |
| Efficiency ratio | 64.8858% | 2,926 |
| Assets per employee ($millions) | 6.2350% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,165.5172% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,266 |
| Noncurrent loans to loans | 0.0994% | 3,347 |
| Net loans and leases to total assets | 80.7714% | 213 |
| Net loans and leases to deposits | 101.5956% | 147 |
| Net loans and leases to core deposits | 103.8863% | 403 |
| Total domestic deposits to total assets | 79.5028% | 4,314 |
| Equity capital to assets | 11.4596% | 1,138 |
| Core capital (leverage) ratio | 11.1482% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,536,000 | 2,026 |
| Average earning assets | $394,062,500 | 1,975 |
| Average equity | $44,441,500 | 1,906 |
| Average total loans | $315,783,000 | 1,637 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 564 |
| Cost of funding earning assets | 0.4804% | 1,007 |
| Net interest margin | 4.0624% | 632 |
| Noninterest income to average assets | 0.5157% | 2,500 |
| Noninterest expense to average assets | 2.6691% | 1,715 |
| Loan and lease loss provision to assets | 0.0412% | 2,223 |
| Net operating income to assets | 1.3679% | 1,384 |
| Return on assets (ROA) | 1.3679% | 1,434 |
| Pretax return on assets | 1.7314% | 1,065 |
| Return on Equity (ROE) | 12.6187% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.8997% | 1,580 |
| Net charge-offs to loans | -0.0072% | 3,643 |
| Credit loss provision to net charge-offs | -766.6667% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9424% | 3,157 |
| Assets per employee ($millions) | 6.6292% | 2,216 |
| Cash dividends to net income (ytd only)* | 37.3972% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.3573% | 821 |
| Net loans and leases to deposits | 88.6124% | 624 |
| Net loans and leases to core deposits | 92.8913% | 833 |
| Total domestic deposits to total assets | 81.6559% | 4,013 |
| Equity capital to assets | 10.3400% | 2,327 |
| Core capital (leverage) ratio | 10.6907% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8976% | 1,890 |
| Memoranda: | ||
| Average total assets | $390,958,000 | 2,022 |
| Average earning assets | $377,829,800 | 1,979 |
| Average equity | $42,381,400 | 2,003 |
| Average total loans | $292,945,400 | 1,732 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 551 |
| Cost of funding earning assets | 0.5138% | 982 |
| Net interest margin | 4.1026% | 652 |
| Noninterest income to average assets | 0.5213% | 2,535 |
| Noninterest expense to average assets | 2.6389% | 1,728 |
| Loan and lease loss provision to assets | 0.0562% | 1,861 |
| Net operating income to assets | 1.4172% | 1,487 |
| Return on assets (ROA) | 1.4172% | 1,550 |
| Pretax return on assets | 1.7939% | 1,177 |
| Return on Equity (ROE) | 12.9079% | 1,721 |
| Retained earnings to average equity (ytd only) | 6.5603% | 2,594 |
| Net charge-offs to loans | -0.0032% | 3,322 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6400% | 3,173 |
| Assets per employee ($millions) | 6.8378% | 1,991 |
| Cash dividends to net income (ytd only)* | 49.1763% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.7383% | 803 |
| Net loans and leases to deposits | 90.1701% | 597 |
| Net loans and leases to core deposits | 96.5345% | 725 |
| Total domestic deposits to total assets | 80.6679% | 4,136 |
| Equity capital to assets | 10.7358% | 2,230 |
| Core capital (leverage) ratio | 10.4046% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,630,750 | 2,071 |
| Average earning assets | $370,033,750 | 2,023 |
| Average equity | $42,009,500 | 2,041 |
| Average total loans | $288,538,250 | 1,777 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 543 |
| Cost of funding earning assets | 0.5469% | 955 |
| Net interest margin | 4.1360% | 647 |
| Noninterest income to average assets | 0.5021% | 2,616 |
| Noninterest expense to average assets | 2.6621% | 1,681 |
| Loan and lease loss provision to assets | 0.0852% | 1,439 |
| Net operating income to assets | 1.3879% | 1,591 |
| Return on assets (ROA) | 1.3879% | 1,666 |
| Pretax return on assets | 1.7567% | 1,338 |
| Return on Equity (ROE) | 12.5441% | 1,871 |
| Retained earnings to average equity (ytd only) | 12.5441% | 805 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9521% | 3,159 |
| Assets per employee ($millions) | 7.0121% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.0362% | 960 |
| Net loans and leases to deposits | 89.2261% | 700 |
| Net loans and leases to core deposits | 96.2164% | 792 |
| Total domestic deposits to total assets | 80.7345% | 4,122 |
| Equity capital to assets | 10.7917% | 2,155 |
| Core capital (leverage) ratio | 10.8241% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2148% | 1,287 |
| Memoranda: | ||
| Average total assets | $377,977,667 | 2,085 |
| Average earning assets | $365,719,667 | 2,034 |
| Average equity | $41,820,333 | 2,042 |
| Average total loans | $287,369,333 | 1,796 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 422 |
| Cost of funding earning assets | 0.5879% | 925 |
| Net interest margin | 4.2958% | 520 |
| Noninterest income to average assets | 0.3617% | 3,277 |
| Noninterest expense to average assets | 2.6356% | 1,780 |
| Loan and lease loss provision to assets | 0.0774% | 1,646 |
| Net operating income to assets | 1.4251% | 1,510 |
| Return on assets (ROA) | 1.4251% | 1,581 |
| Pretax return on assets | 1.8043% | 1,282 |
| Return on Equity (ROE) | 12.7101% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.7101% | 978 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2007% | 3,272 |
| Assets per employee ($millions) | 6.7054% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 77.4143% | 503 |
| Net loans and leases to deposits | 97.4766% | 359 |
| Net loans and leases to core deposits | 106.0935% | 507 |
| Total domestic deposits to total assets | 79.4183% | 4,279 |
| Equity capital to assets | 11.3390% | 1,632 |
| Core capital (leverage) ratio | 11.3557% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,122,500 | 2,112 |
| Average earning assets | $355,140,500 | 2,058 |
| Average equity | $41,164,000 | 2,046 |
| Average total loans | $285,311,500 | 1,805 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 207 |
| Cost of funding earning assets | 0.9110% | 829 |
| Net interest margin | 4.5255% | 315 |
| Noninterest income to average assets | 0.3206% | 3,539 |
| Noninterest expense to average assets | 2.5761% | 2,624 |
| Loan and lease loss provision to assets | 0.1695% | 2,265 |
| Net operating income to assets | 1.5209% | 767 |
| Return on assets (ROA) | 1.5209% | 833 |
| Pretax return on assets | 1.9261% | 529 |
| Return on Equity (ROE) | 13.8247% | 854 |
| Retained earnings to average equity (ytd only) | 13.8247% | 197 |
| Net charge-offs to loans | -0.0010% | 3,945 |
| Credit loss provision to net charge-offs | -19,433.3333% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9810% | 4,092 |
| Assets per employee ($millions) | 6.8952% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,896 |
| Loan loss allowance to noncurrent loans | 848.8778% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,747 |
| Noncurrent loans to loans | 0.1424% | 3,714 |
| Net loans and leases to total assets | 76.1374% | 771 |
| Net loans and leases to deposits | 96.7058% | 517 |
| Net loans and leases to core deposits | 108.0715% | 570 |
| Total domestic deposits to total assets | 78.7309% | 4,229 |
| Equity capital to assets | 11.0851% | 2,187 |
| Core capital (leverage) ratio | 10.6538% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8020% | 1,309 |
| Memoranda: | ||
| Average total assets | $344,014,600 | 2,083 |
| Average earning assets | $330,746,800 | 2,019 |
| Average equity | $37,845,400 | 2,097 |
| Average total loans | $286,302,600 | 1,740 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 216 |
| Cost of funding earning assets | 0.9626% | 869 |
| Net interest margin | 4.5709% | 331 |
| Noninterest income to average assets | 0.2898% | 3,750 |
| Noninterest expense to average assets | 2.5803% | 2,596 |
| Loan and lease loss provision to assets | 0.1775% | 2,212 |
| Net operating income to assets | 1.5169% | 878 |
| Return on assets (ROA) | 1.5169% | 951 |
| Pretax return on assets | 1.9213% | 604 |
| Return on Equity (ROE) | 13.8174% | 911 |
| Retained earnings to average equity (ytd only) | 13.8174% | 264 |
| Net charge-offs to loans | -0.0009% | 3,809 |
| Credit loss provision to net charge-offs | -22,550.0000% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9853% | 4,040 |
| Assets per employee ($millions) | 7.8891% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 2,379 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 78.8431% | 735 |
| Net loans and leases to deposits | 99.4814% | 557 |
| Net loans and leases to core deposits | 112.8796% | 597 |
| Total domestic deposits to total assets | 79.2541% | 4,010 |
| Equity capital to assets | 10.5522% | 2,747 |
| Core capital (leverage) ratio | 10.4565% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,656,750 | 2,084 |
| Average earning assets | $325,205,500 | 2,030 |
| Average equity | $37,179,250 | 2,113 |
| Average total loans | $287,467,000 | 1,734 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7741% | 197 |
| Cost of funding earning assets | 1.0509% | 835 |
| Net interest margin | 4.7232% | 321 |
| Noninterest income to average assets | 0.2482% | 3,984 |
| Noninterest expense to average assets | 2.6523% | 2,517 |
| Loan and lease loss provision to assets | 0.1378% | 2,642 |
| Net operating income to assets | 1.5679% | 812 |
| Return on assets (ROA) | 1.5679% | 882 |
| Pretax return on assets | 1.9863% | 559 |
| Return on Equity (ROE) | 14.0760% | 875 |
| Retained earnings to average equity (ytd only) | 14.0760% | 273 |
| Net charge-offs to loans | -0.0007% | 3,734 |
| Credit loss provision to net charge-offs | -22,600.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3626% | 4,021 |
| Assets per employee ($millions) | 7.2173% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 2,469 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 84.8301% | 195 |
| Net loans and leases to deposits | 107.0850% | 289 |
| Net loans and leases to core deposits | 119.4085% | 438 |
| Total domestic deposits to total assets | 79.2176% | 3,995 |
| Equity capital to assets | 10.4870% | 2,750 |
| Core capital (leverage) ratio | 10.1779% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4619% | 1,643 |
| Memoranda: | ||
| Average total assets | $327,947,000 | 2,099 |
| Average earning assets | $314,403,333 | 2,052 |
| Average equity | $36,530,333 | 2,128 |
| Average total loans | $284,752,667 | 1,727 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8648% | 198 |
| Cost of funding earning assets | 1.1588% | 884 |
| Net interest margin | 4.7060% | 324 |
| Noninterest income to average assets | 0.2645% | 3,951 |
| Noninterest expense to average assets | 2.7674% | 2,523 |
| Loan and lease loss provision to assets | 0.0655% | 2,944 |
| Net operating income to assets | 1.5423% | 709 |
| Return on assets (ROA) | 1.5423% | 780 |
| Pretax return on assets | 1.9532% | 505 |
| Return on Equity (ROE) | 13.3915% | 807 |
| Retained earnings to average equity (ytd only) | 13.3915% | 294 |
| Net charge-offs to loans | -0.0015% | 3,625 |
| Credit loss provision to net charge-offs | -5,100.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6603% | 4,047 |
| Assets per employee ($millions) | 6.3686% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,588 |
| Loan loss allowance to noncurrent loans | 701.7115% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,467 |
| Noncurrent loans to loans | 0.1456% | 3,938 |
| Net loans and leases to total assets | 87.2981% | 84 |
| Net loans and leases to deposits | 114.1580% | 131 |
| Net loans and leases to core deposits | 129.3296% | 279 |
| Total domestic deposits to total assets | 76.4713% | 4,426 |
| Equity capital to assets | 11.4543% | 2,482 |
| Core capital (leverage) ratio | 11.4918% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,487,000 | 2,145 |
| Average earning assets | $299,276,500 | 2,081 |
| Average equity | $35,873,500 | 2,147 |
| Average total loans | $272,544,500 | 1,747 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 162 |
| Cost of funding earning assets | 1.2143% | 995 |
| Net interest margin | 5.0059% | 267 |
| Noninterest income to average assets | 0.2951% | 3,917 |
| Noninterest expense to average assets | 2.8607% | 2,408 |
| Loan and lease loss provision to assets | 0.1295% | 1,656 |
| Net operating income to assets | 1.6855% | 682 |
| Return on assets (ROA) | 1.6855% | 728 |
| Pretax return on assets | 2.1350% | 437 |
| Return on Equity (ROE) | 14.6801% | 755 |
| Retained earnings to average equity (ytd only) | 14.6801% | 100 |
| Net charge-offs to loans | 0.0260% | 2,875 |
| Credit loss provision to net charge-offs | 569.2308% | 534 |
| Earnings coverage of net charge-offs (x) | 99.5231% | 679 |
| Efficiency ratio | 55.6383% | 4,248 |
| Assets per employee ($millions) | 6.0908% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,128 |
| Loan loss allowance to noncurrent loans | 231.9342% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,802 |
| Noncurrent loans to loans | 0.4598% | 2,801 |
| Net loans and leases to total assets | 85.8391% | 173 |
| Net loans and leases to deposits | 108.6860% | 212 |
| Net loans and leases to core deposits | 128.5933% | 295 |
| Total domestic deposits to total assets | 78.9789% | 4,192 |
| Equity capital to assets | 11.5823% | 2,453 |
| Core capital (leverage) ratio | 11.3081% | 2,241 |
| Tier 1 risk-based capital ratio | 14.6725% | 2,921 |
| Total risk-based capital ratio | 15.8840% | 2,849 |
| Memoranda: | ||
| Average total assets | $285,667,200 | 2,246 |
| Average earning assets | $275,636,600 | 2,173 |
| Average equity | $32,799,600 | 2,254 |
| Average total loans | $250,132,000 | 1,829 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2668% | 155 |
| Cost of funding earning assets | 1.2127% | 1,006 |
| Net interest margin | 5.0541% | 257 |
| Noninterest income to average assets | 0.3165% | 3,860 |
| Noninterest expense to average assets | 2.8863% | 2,302 |
| Loan and lease loss provision to assets | 0.1471% | 1,295 |
| Net operating income to assets | 1.7042% | 738 |
| Return on assets (ROA) | 1.7042% | 776 |
| Pretax return on assets | 2.1583% | 491 |
| Return on Equity (ROE) | 14.8779% | 800 |
| Retained earnings to average equity (ytd only) | 14.8779% | 155 |
| Net charge-offs to loans | 0.0351% | 2,377 |
| Credit loss provision to net charge-offs | 476.9231% | 656 |
| Earnings coverage of net charge-offs (x) | 74.7423% | 902 |
| Efficiency ratio | 55.4205% | 4,227 |
| Assets per employee ($millions) | 5.7226% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.7714% | 488 |
| Net loans and leases to deposits | 104.9419% | 360 |
| Net loans and leases to core deposits | 122.2810% | 466 |
| Total domestic deposits to total assets | 78.8736% | 4,209 |
| Equity capital to assets | 11.4375% | 2,707 |
| Core capital (leverage) ratio | 11.0642% | 2,591 |
| Tier 1 risk-based capital ratio | 14.9046% | 2,898 |
| Total risk-based capital ratio | 16.1542% | 2,825 |
| Memoranda: | ||
| Average total assets | $280,948,500 | 2,287 |
| Average earning assets | $271,009,500 | 2,220 |
| Average equity | $32,181,250 | 2,303 |
| Average total loans | $246,606,500 | 1,857 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 172 |
| Cost of funding earning assets | 1.1790% | 1,052 |
| Net interest margin | 5.0136% | 284 |
| Noninterest income to average assets | 0.3348% | 3,698 |
| Noninterest expense to average assets | 2.9121% | 2,252 |
| Loan and lease loss provision to assets | 0.1525% | 1,195 |
| Net operating income to assets | 1.6681% | 773 |
| Return on assets (ROA) | 1.6681% | 804 |
| Pretax return on assets | 2.1125% | 535 |
| Return on Equity (ROE) | 14.5549% | 859 |
| Retained earnings to average equity (ytd only) | 14.5549% | 195 |
| Net charge-offs to loans | 0.0065% | 2,920 |
| Credit loss provision to net charge-offs | 2,625.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 389.8750% | 203 |
| Efficiency ratio | 56.0668% | 4,240 |
| Assets per employee ($millions) | 5.6267% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.9872% | 155 |
| Net loans and leases to deposits | 110.2226% | 211 |
| Net loans and leases to core deposits | 130.6352% | 314 |
| Total domestic deposits to total assets | 78.9195% | 4,236 |
| Equity capital to assets | 11.1901% | 2,869 |
| Core capital (leverage) ratio | 10.9809% | 2,620 |
| Tier 1 risk-based capital ratio | 14.1307% | 3,249 |
| Total risk-based capital ratio | 15.3454% | 3,187 |
| Memoranda: | ||
| Average total assets | $275,406,330 | 2,326 |
| Average earning assets | $265,996,330 | 2,260 |
| Average equity | $31,563,330 | 2,332 |
| Average total loans | $245,787,000 | 1,870 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1035% | 187 |
| Cost of funding earning assets | 1.0993% | 1,190 |
| Net interest margin | 5.0042% | 279 |
| Noninterest income to average assets | 0.2414% | 4,279 |
| Noninterest expense to average assets | 2.9384% | 2,164 |
| Loan and lease loss provision to assets | 0.1349% | 1,287 |
| Net operating income to assets | 1.5891% | 917 |
| Return on assets (ROA) | 1.5891% | 945 |
| Pretax return on assets | 2.0134% | 626 |
| Return on Equity (ROE) | 13.6887% | 1,037 |
| Retained earnings to average equity (ytd only) | 13.6887% | 379 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5892% | 4,135 |
| Assets per employee ($millions) | 5.8971% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,324 |
| Loan loss allowance to noncurrent loans | 148.7429% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 2,192 |
| Noncurrent loans to loans | 0.7170% | 2,229 |
| Net loans and leases to total assets | 87.1191% | 143 |
| Net loans and leases to deposits | 106.5441% | 306 |
| Net loans and leases to core deposits | 127.9947% | 335 |
| Total domestic deposits to total assets | 81.7681% | 3,787 |
| Equity capital to assets | 11.3670% | 2,509 |
| Core capital (leverage) ratio | 11.5512% | 2,103 |
| Tier 1 risk-based capital ratio | 14.5884% | 3,065 |
| Total risk-based capital ratio | 15.8380% | 2,988 |
| Memoranda: | ||
| Average total assets | $266,815,500 | 2,392 |
| Average earning assets | $258,344,000 | 2,328 |
| Average equity | $30,974,500 | 2,359 |
| Average total loans | $240,066,000 | 1,913 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 177 |
| Cost of funding earning assets | 0.8658% | 1,238 |
| Net interest margin | 5.0786% | 229 |
| Noninterest income to average assets | 0.2443% | 4,457 |
| Noninterest expense to average assets | 2.9674% | 2,144 |
| Loan and lease loss provision to assets | 0.1096% | 2,007 |
| Net operating income to assets | 1.6300% | 815 |
| Return on assets (ROA) | 1.6300% | 808 |
| Pretax return on assets | 2.0634% | 481 |
| Return on Equity (ROE) | 14.1467% | 1,011 |
| Retained earnings to average equity (ytd only) | 14.1467% | 160 |
| Net charge-offs to loans | -0.0014% | 4,204 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5229% | 4,213 |
| Assets per employee ($millions) | 5.4568% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,299 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 2,370 |
| Noncurrent loans to loans | 0.6083% | 2,454 |
| Net loans and leases to total assets | 91.0656% | 40 |
| Net loans and leases to deposits | 113.4892% | 172 |
| Net loans and leases to core deposits | 128.8396% | 342 |
| Total domestic deposits to total assets | 80.2416% | 4,056 |
| Equity capital to assets | 11.8705% | 1,989 |
| Core capital (leverage) ratio | 11.2502% | 2,306 |
| Tier 1 risk-based capital ratio | 14.9237% | 2,861 |
| Total risk-based capital ratio | 16.1737% | 2,792 |
| Memoranda: | ||
| Average total assets | $246,442,400 | 2,495 |
| Average earning assets | $237,583,000 | 2,430 |
| Average equity | $28,395,400 | 2,435 |
| Average total loans | $216,955,000 | 2,049 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 194 |
| Cost of funding earning assets | 0.8200% | 1,243 |
| Net interest margin | 5.0329% | 253 |
| Noninterest income to average assets | 0.2481% | 4,493 |
| Noninterest expense to average assets | 2.9685% | 2,119 |
| Loan and lease loss provision to assets | 0.0984% | 2,024 |
| Net operating income to assets | 1.5998% | 963 |
| Return on assets (ROA) | 1.5998% | 968 |
| Pretax return on assets | 2.0256% | 585 |
| Return on Equity (ROE) | 13.9961% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.9961% | 249 |
| Net charge-offs to loans | -0.0019% | 4,081 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0874% | 4,110 |
| Assets per employee ($millions) | 5.7042% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.7369% | 755 |
| Net loans and leases to deposits | 100.2107% | 767 |
| Net loans and leases to core deposits | 112.6926% | 883 |
| Total domestic deposits to total assets | 81.5651% | 3,717 |
| Equity capital to assets | 11.1870% | 2,490 |
| Core capital (leverage) ratio | 10.9760% | 2,606 |
| Tier 1 risk-based capital ratio | 15.2332% | 2,768 |
| Total risk-based capital ratio | 16.4836% | 2,692 |
| Memoranda: | ||
| Average total assets | $243,936,000 | 2,523 |
| Average earning assets | $234,795,750 | 2,467 |
| Average equity | $27,883,250 | 2,468 |
| Average total loans | $212,177,000 | 2,089 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 183 |
| Cost of funding earning assets | 0.7621% | 1,317 |
| Net interest margin | 5.0894% | 209 |
| Noninterest income to average assets | 0.2540% | 4,492 |
| Noninterest expense to average assets | 2.9666% | 2,144 |
| Loan and lease loss provision to assets | 0.1346% | 1,463 |
| Net operating income to assets | 1.6200% | 879 |
| Return on assets (ROA) | 1.6200% | 881 |
| Pretax return on assets | 2.0506% | 543 |
| Return on Equity (ROE) | 14.0620% | 1,064 |
| Retained earnings to average equity (ytd only) | 14.0620% | 278 |
| Net charge-offs to loans | -0.0019% | 3,940 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3714% | 4,316 |
| Assets per employee ($millions) | 4.9699% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 88.6050% | 119 |
| Net loans and leases to deposits | 110.4700% | 268 |
| Net loans and leases to core deposits | 116.8442% | 672 |
| Total domestic deposits to total assets | 80.2073% | 4,193 |
| Equity capital to assets | 11.8854% | 1,936 |
| Core capital (leverage) ratio | 11.5990% | 1,983 |
| Tier 1 risk-based capital ratio | 15.3510% | 2,708 |
| Total risk-based capital ratio | 16.6019% | 2,642 |
| Memoranda: | ||
| Average total assets | $237,783,670 | 2,581 |
| Average earning assets | $228,827,000 | 2,520 |
| Average equity | $27,393,000 | 2,508 |
| Average total loans | $210,604,330 | 2,101 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7883% | 185 |
| Cost of funding earning assets | 0.7216% | 1,334 |
| Net interest margin | 5.0668% | 206 |
| Noninterest income to average assets | 0.2376% | 4,584 |
| Noninterest expense to average assets | 2.8829% | 2,434 |
| Loan and lease loss provision to assets | 0.1685% | 1,055 |
| Net operating income to assets | 1.6377% | 785 |
| Return on assets (ROA) | 1.6377% | 786 |
| Pretax return on assets | 2.0725% | 497 |
| Return on Equity (ROE) | 14.4465% | 915 |
| Retained earnings to average equity (ytd only) | 14.4465% | 368 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0671% | 4,568 |
| Assets per employee ($millions) | 5.9037% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.5338% | 385 |
| Net loans and leases to deposits | 102.0081% | 576 |
| Net loans and leases to core deposits | 104.8335% | 1,321 |
| Total domestic deposits to total assets | 82.8697% | 3,709 |
| Equity capital to assets | 11.3196% | 2,287 |
| Core capital (leverage) ratio | 11.2343% | 2,219 |
| Tier 1 risk-based capital ratio | 15.2122% | 2,784 |
| Total risk-based capital ratio | 16.4635% | 2,717 |
| Memoranda: | ||
| Average total assets | $237,399,000 | 2,608 |
| Average earning assets | $228,943,000 | 2,541 |
| Average equity | $26,913,000 | 2,560 |
| Average total loans | $209,020,500 | 2,126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1443% | 111 |
| Cost of funding earning assets | 0.6939% | 1,060 |
| Net interest margin | 5.4504% | 113 |
| Noninterest income to average assets | 0.2664% | 4,533 |
| Noninterest expense to average assets | 2.9808% | 2,216 |
| Loan and lease loss provision to assets | 0.1488% | 1,525 |
| Net operating income to assets | 1.3982% | 1,023 |
| Return on assets (ROA) | 1.3982% | 1,041 |
| Pretax return on assets | 2.3513% | 242 |
| Return on Equity (ROE) | 13.2096% | 903 |
| Retained earnings to average equity (ytd only) | 13.2096% | 124 |
| Net charge-offs to loans | 0.0377% | 3,040 |
| Credit loss provision to net charge-offs | 439.1892% | 710 |
| Earnings coverage of net charge-offs (x) | 73.7973% | 815 |
| Efficiency ratio | 54.1681% | 4,939 |
| Assets per employee ($millions) | 5.4127% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 89.7310% | 85 |
| Net loans and leases to deposits | 105.7951% | 407 |
| Net loans and leases to core deposits | 107.7303% | 1,151 |
| Total domestic deposits to total assets | 84.8158% | 2,904 |
| Equity capital to assets | 11.3543% | 2,324 |
| Core capital (leverage) ratio | 10.6090% | 2,731 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,099 |
| Total risk-based capital ratio | 15.7292% | 3,019 |
| Memoranda: | ||
| Average total assets | $218,428,600 | 2,738 |
| Average earning assets | $208,975,200 | 2,677 |
| Average equity | $23,119,600 | 2,849 |
| Average total loans | $196,313,200 | 2,187 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1456% | 111 |
| Cost of funding earning assets | 0.6826% | 1,060 |
| Net interest margin | 5.4630% | 109 |
| Noninterest income to average assets | 0.2774% | 4,529 |
| Noninterest expense to average assets | 3.0073% | 2,090 |
| Loan and lease loss provision to assets | 0.1862% | 1,056 |
| Net operating income to assets | 1.5123% | 867 |
| Return on assets (ROA) | 1.5123% | 893 |
| Pretax return on assets | 2.3042% | 295 |
| Return on Equity (ROE) | 14.5754% | 724 |
| Retained earnings to average equity (ytd only) | 14.5754% | 133 |
| Net charge-offs to loans | 0.0588% | 2,283 |
| Credit loss provision to net charge-offs | 352.9412% | 860 |
| Earnings coverage of net charge-offs (x) | 47.2119% | 1,158 |
| Efficiency ratio | 54.4870% | 4,900 |
| Assets per employee ($millions) | 5.6942% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.2386% | 187 |
| Net loans and leases to deposits | 101.4796% | 648 |
| Net loans and leases to core deposits | 103.2555% | 1,447 |
| Total domestic deposits to total assets | 85.9666% | 2,329 |
| Equity capital to assets | 10.1648% | 3,737 |
| Core capital (leverage) ratio | 9.9162% | 3,677 |
| Tier 1 risk-based capital ratio | 13.1387% | 3,914 |
| Total risk-based capital ratio | 14.3884% | 3,820 |
| Memoranda: | ||
| Average total assets | $214,848,750 | 2,792 |
| Average earning assets | $205,302,750 | 2,735 |
| Average equity | $22,292,750 | 2,946 |
| Average total loans | $192,619,750 | 2,236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 115 |
| Cost of funding earning assets | 0.6639% | 1,071 |
| Net interest margin | 5.4000% | 121 |
| Noninterest income to average assets | 0.2970% | 4,413 |
| Noninterest expense to average assets | 3.0975% | 1,844 |
| Loan and lease loss provision to assets | 0.1354% | 1,533 |
| Net operating income to assets | 1.4549% | 941 |
| Return on assets (ROA) | 1.4549% | 966 |
| Pretax return on assets | 2.2182% | 344 |
| Return on Equity (ROE) | 13.9128% | 824 |
| Retained earnings to average equity (ytd only) | 13.9128% | 185 |
| Net charge-offs to loans | -0.0075% | 4,442 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5927% | 4,757 |
| Assets per employee ($millions) | 5.0557% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,162 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.6742% | 168 |
| Net loans and leases to deposits | 102.3244% | 593 |
| Net loans and leases to core deposits | 104.0522% | 1,346 |
| Total domestic deposits to total assets | 85.6826% | 2,529 |
| Equity capital to assets | 10.2753% | 3,600 |
| Core capital (leverage) ratio | 10.2621% | 3,183 |
| Tier 1 risk-based capital ratio | 13.2536% | 3,835 |
| Total risk-based capital ratio | 14.5036% | 3,750 |
| Memoranda: | ||
| Average total assets | $206,745,670 | 2,886 |
| Average earning assets | $197,332,330 | 2,836 |
| Average equity | $21,620,330 | 3,020 |
| Average total loans | $186,545,670 | 2,290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1793% | 103 |
| Cost of funding earning assets | 0.6256% | 1,212 |
| Net interest margin | 5.5537% | 103 |
| Noninterest income to average assets | 0.3544% | 4,004 |
| Noninterest expense to average assets | 3.2205% | 1,552 |
| Loan and lease loss provision to assets | 0.1222% | 1,570 |
| Net operating income to assets | 1.5054% | 800 |
| Return on assets (ROA) | 1.5054% | 829 |
| Pretax return on assets | 2.2916% | 309 |
| Return on Equity (ROE) | 14.2513% | 760 |
| Retained earnings to average equity (ytd only) | 14.2513% | 281 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9414% | 4,840 |
| Assets per employee ($millions) | 4.8631% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,200 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 90.6459% | 41 |
| Net loans and leases to deposits | 106.6651% | 300 |
| Net loans and leases to core deposits | 108.4641% | 949 |
| Total domestic deposits to total assets | 84.9818% | 3,099 |
| Equity capital to assets | 10.3363% | 3,367 |
| Core capital (leverage) ratio | 10.1316% | 3,337 |
| Tier 1 risk-based capital ratio | 12.8413% | 4,173 |
| Total risk-based capital ratio | 14.0918% | 4,075 |
| Memoranda: | ||
| Average total assets | $196,365,500 | 3,032 |
| Average earning assets | $186,687,500 | 2,977 |
| Average equity | $20,742,000 | 3,100 |
| Average total loans | $179,018,500 | 2,369 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0082% | 127 |
| Cost of funding earning assets | 0.5499% | 1,690 |
| Net interest margin | 5.4583% | 117 |
| Noninterest income to average assets | 0.2928% | 4,647 |
| Noninterest expense to average assets | 3.4840% | 1,197 |
| Loan and lease loss provision to assets | 0.1201% | 2,061 |
| Net operating income to assets | 1.2537% | 1,348 |
| Return on assets (ROA) | 1.2537% | 1,429 |
| Pretax return on assets | 1.8763% | 655 |
| Return on Equity (ROE) | 11.2926% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.2926% | 276 |
| Net charge-offs to loans | -0.0067% | 4,857 |
| Credit loss provision to net charge-offs | -2,080.0000% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2982% | 4,060 |
| Assets per employee ($millions) | 4.2836% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,980 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 89.5872% | 78 |
| Net loans and leases to deposits | 106.2898% | 332 |
| Net loans and leases to core deposits | 107.9002% | 1,025 |
| Total domestic deposits to total assets | 84.2858% | 3,326 |
| Equity capital to assets | 10.8086% | 2,806 |
| Core capital (leverage) ratio | 10.2809% | 3,131 |
| Tier 1 risk-based capital ratio | 13.5367% | 3,750 |
| Total risk-based capital ratio | 14.7879% | 3,655 |
| Memoranda: | ||
| Average total assets | $173,162,400 | 3,243 |
| Average earning assets | $164,574,000 | 3,176 |
| Average equity | $19,225,000 | 3,246 |
| Average total loans | $149,998,800 | 2,644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9743% | 125 |
| Cost of funding earning assets | 0.5490% | 1,702 |
| Net interest margin | 5.4253% | 126 |
| Noninterest income to average assets | 0.3102% | 4,548 |
| Noninterest expense to average assets | 3.4251% | 1,302 |
| Loan and lease loss provision to assets | 0.1638% | 1,397 |
| Net operating income to assets | 1.2614% | 1,416 |
| Return on assets (ROA) | 1.2614% | 1,515 |
| Pretax return on assets | 1.8803% | 743 |
| Return on Equity (ROE) | 11.2785% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.2785% | 393 |
| Net charge-offs to loans | -0.0083% | 4,722 |
| Credit loss provision to net charge-offs | -2,311.1111% | 5,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3524% | 4,168 |
| Assets per employee ($millions) | 4.1892% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,796 |
| Loan loss allowance to noncurrent loans | 933.3333% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,562 |
| Noncurrent loans to loans | 0.1372% | 4,793 |
| Net loans and leases to total assets | 85.0603% | 321 |
| Net loans and leases to deposits | 101.4836% | 610 |
| Net loans and leases to core deposits | 102.9095% | 1,423 |
| Total domestic deposits to total assets | 83.8168% | 3,266 |
| Equity capital to assets | 10.9933% | 3,017 |
| Core capital (leverage) ratio | 10.4952% | 3,003 |
| Tier 1 risk-based capital ratio | 13.9810% | 3,568 |
| Total risk-based capital ratio | 15.2335% | 3,488 |
| Memoranda: | ||
| Average total assets | $169,333,250 | 3,309 |
| Average earning assets | $161,019,500 | 3,234 |
| Average equity | $18,938,250 | 3,304 |
| Average total loans | $144,788,000 | 2,713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8829% | 139 |
| Cost of funding earning assets | 0.5457% | 1,728 |
| Net interest margin | 5.3371% | 141 |
| Noninterest income to average assets | 0.2703% | 4,847 |
| Noninterest expense to average assets | 3.4489% | 1,265 |
| Loan and lease loss provision to assets | 0.2510% | 767 |
| Net operating income to assets | 1.1271% | 1,863 |
| Return on assets (ROA) | 1.1271% | 1,974 |
| Pretax return on assets | 1.6569% | 1,204 |
| Return on Equity (ROE) | 10.0161% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.0161% | 596 |
| Net charge-offs to loans | -0.0071% | 4,610 |
| Credit loss provision to net charge-offs | -4,160.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0910% | 3,998 |
| Assets per employee ($millions) | 4.5068% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,752 |
| Loan loss allowance to noncurrent loans | 893.6937% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 4,211 |
| Noncurrent loans to loans | 0.1460% | 4,847 |
| Net loans and leases to total assets | 85.3664% | 302 |
| Net loans and leases to deposits | 99.8729% | 703 |
| Net loans and leases to core deposits | 101.2791% | 1,534 |
| Total domestic deposits to total assets | 85.4751% | 2,657 |
| Equity capital to assets | 10.8866% | 3,184 |
| Core capital (leverage) ratio | 10.4352% | 3,036 |
| Tier 1 risk-based capital ratio | 14.0490% | 3,576 |
| Total risk-based capital ratio | 15.3023% | 3,494 |
| Memoranda: | ||
| Average total assets | $165,732,000 | 3,370 |
| Average earning assets | $157,949,670 | 3,300 |
| Average equity | $18,650,000 | 3,347 |
| Average total loans | $141,313,000 | 2,765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8916% | 138 |
| Cost of funding earning assets | 0.5342% | 1,835 |
| Net interest margin | 5.3574% | 140 |
| Noninterest income to average assets | 0.3310% | 4,363 |
| Noninterest expense to average assets | 3.7084% | 887 |
| Loan and lease loss provision to assets | 0.2265% | 823 |
| Net operating income to assets | 0.9881% | 2,333 |
| Return on assets (ROA) | 0.9881% | 2,447 |
| Pretax return on assets | 1.5132% | 1,542 |
| Return on Equity (ROE) | 8.6269% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.6269% | 1,221 |
| Net charge-offs to loans | -0.0088% | 4,470 |
| Credit loss provision to net charge-offs | -3,033.3333% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7935% | 3,497 |
| Assets per employee ($millions) | 4.0952% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,602 |
| Loan loss allowance to noncurrent loans | 814.4105% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 4,117 |
| Noncurrent loans to loans | 0.1671% | 4,825 |
| Net loans and leases to total assets | 80.5239% | 745 |
| Net loans and leases to deposits | 94.7224% | 1,071 |
| Net loans and leases to core deposits | 96.1231% | 1,782 |
| Total domestic deposits to total assets | 85.0104% | 3,131 |
| Equity capital to assets | 11.0856% | 2,840 |
| Core capital (leverage) ratio | 10.8576% | 2,563 |
| Tier 1 risk-based capital ratio | 15.3591% | 2,990 |
| Total risk-based capital ratio | 16.6138% | 2,927 |
| Memoranda: | ||
| Average total assets | $160,714,500 | 3,436 |
| Average earning assets | $153,506,000 | 3,373 |
| Average equity | $18,407,500 | 3,381 |
| Average total loans | $135,954,500 | 2,852 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 232 |
| Cost of funding earning assets | 0.5463% | 1,797 |
| Net interest margin | 5.0570% | 226 |
| Noninterest income to average assets | 0.2927% | 4,795 |
| Noninterest expense to average assets | 3.3928% | 1,498 |
| Loan and lease loss provision to assets | 0.2637% | 706 |
| Net operating income to assets | 0.9521% | 2,602 |
| Return on assets (ROA) | 0.9521% | 2,684 |
| Pretax return on assets | 1.4696% | 1,648 |
| Return on Equity (ROE) | 8.4677% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.4677% | 786 |
| Net charge-offs to loans | 0.0677% | 2,890 |
| Credit loss provision to net charge-offs | 470.5882% | 662 |
| Earnings coverage of net charge-offs (x) | 30.9294% | 1,423 |
| Efficiency ratio | 65.8521% | 3,927 |
| Assets per employee ($millions) | 3.8382% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,822 |
| Loan loss allowance to noncurrent loans | 737.9167% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,974 |
| Noncurrent loans to loans | 0.1780% | 4,779 |
| Net loans and leases to total assets | 86.6765% | 185 |
| Net loans and leases to deposits | 100.9475% | 614 |
| Net loans and leases to core deposits | 102.4482% | 1,329 |
| Total domestic deposits to total assets | 85.8630% | 2,703 |
| Equity capital to assets | 11.8560% | 2,068 |
| Core capital (leverage) ratio | 10.3591% | 3,095 |
| Tier 1 risk-based capital ratio | 15.9177% | 2,730 |
| Total risk-based capital ratio | 17.1726% | 2,662 |
| Memoranda: | ||
| Average total assets | $151,672,600 | 3,547 |
| Average earning assets | $144,966,600 | 3,473 |
| Average equity | $17,053,000 | 3,524 |
| Average total loans | $125,590,200 | 2,960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 268 |
| Cost of funding earning assets | 0.5409% | 1,879 |
| Net interest margin | 4.9576% | 279 |
| Noninterest income to average assets | 0.3104% | 4,720 |
| Noninterest expense to average assets | 3.3322% | 1,619 |
| Loan and lease loss provision to assets | 0.2495% | 684 |
| Net operating income to assets | 0.9567% | 2,689 |
| Return on assets (ROA) | 0.9567% | 2,776 |
| Pretax return on assets | 1.4725% | 1,758 |
| Return on Equity (ROE) | 8.6285% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.6285% | 1,027 |
| Net charge-offs to loans | 0.0379% | 3,138 |
| Credit loss provision to net charge-offs | 808.5714% | 437 |
| Earnings coverage of net charge-offs (x) | 55.7945% | 965 |
| Efficiency ratio | 65.5967% | 3,960 |
| Assets per employee ($millions) | 4.3561% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,011 |
| Loan loss allowance to noncurrent loans | 573.7374% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 4,827 |
| Noncurrent loans to loans | 0.2292% | 4,743 |
| Net loans and leases to total assets | 77.2511% | 1,214 |
| Net loans and leases to deposits | 88.7941% | 1,798 |
| Net loans and leases to core deposits | 89.9971% | 2,467 |
| Total domestic deposits to total assets | 87.0002% | 2,039 |
| Equity capital to assets | 10.7701% | 3,279 |
| Core capital (leverage) ratio | 10.4193% | 3,144 |
| Tier 1 risk-based capital ratio | 15.1235% | 3,233 |
| Total risk-based capital ratio | 16.3771% | 3,166 |
| Memoranda: | ||
| Average total assets | $151,209,250 | 3,583 |
| Average earning assets | $144,690,000 | 3,511 |
| Average equity | $16,765,750 | 3,592 |
| Average total loans | $123,277,250 | 3,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 249 |
| Cost of funding earning assets | 0.5375% | 1,924 |
| Net interest margin | 4.9979% | 249 |
| Noninterest income to average assets | 0.3032% | 4,785 |
| Noninterest expense to average assets | 3.3298% | 1,630 |
| Loan and lease loss provision to assets | 0.2267% | 831 |
| Net operating income to assets | 0.9861% | 2,468 |
| Return on assets (ROA) | 0.9861% | 2,576 |
| Pretax return on assets | 1.5215% | 1,587 |
| Return on Equity (ROE) | 8.7986% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.7986% | 990 |
| Net charge-offs to loans | 0.0627% | 2,481 |
| Credit loss provision to net charge-offs | 436.8421% | 695 |
| Earnings coverage of net charge-offs (x) | 33.6842% | 1,263 |
| Efficiency ratio | 65.2232% | 4,143 |
| Assets per employee ($millions) | 4.2061% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 3,604 |
| Loan loss allowance to noncurrent loans | 533.3333% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,879 |
| Noncurrent loans to loans | 0.2312% | 4,846 |
| Net loans and leases to total assets | 81.5243% | 602 |
| Net loans and leases to deposits | 94.3511% | 1,121 |
| Net loans and leases to core deposits | 95.5383% | 1,839 |
| Total domestic deposits to total assets | 86.4052% | 2,485 |
| Equity capital to assets | 11.2141% | 2,658 |
| Core capital (leverage) ratio | 10.8074% | 2,607 |
| Tier 1 risk-based capital ratio | 15.3870% | 3,168 |
| Total risk-based capital ratio | 16.6393% | 3,101 |
| Memoranda: | ||
| Average total assets | $146,434,670 | 3,686 |
| Average earning assets | $139,899,000 | 3,605 |
| Average equity | $16,411,670 | 3,654 |
| Average total loans | $121,176,330 | 3,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 229 |
| Cost of funding earning assets | 0.5247% | 2,054 |
| Net interest margin | 5.0556% | 224 |
| Noninterest income to average assets | 0.2848% | 4,895 |
| Noninterest expense to average assets | 3.3334% | 1,642 |
| Loan and lease loss provision to assets | 0.2200% | 805 |
| Net operating income to assets | 1.0181% | 2,177 |
| Return on assets (ROA) | 1.0181% | 2,320 |
| Pretax return on assets | 1.5680% | 1,352 |
| Return on Equity (ROE) | 9.0866% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.0866% | 1,168 |
| Net charge-offs to loans | -0.0204% | 5,059 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7577% | 4,356 |
| Assets per employee ($millions) | 4.2646% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 3,428 |
| Loan loss allowance to noncurrent loans | 518.5185% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 4,874 |
| Noncurrent loans to loans | 0.2498% | 4,890 |
| Net loans and leases to total assets | 80.9479% | 577 |
| Net loans and leases to deposits | 91.4461% | 1,241 |
| Net loans and leases to core deposits | 92.6487% | 1,892 |
| Total domestic deposits to total assets | 88.5198% | 1,539 |
| Equity capital to assets | 11.0885% | 2,878 |
| Core capital (leverage) ratio | 10.5861% | 2,862 |
| Tier 1 risk-based capital ratio | 15.2827% | 3,277 |
| Total risk-based capital ratio | 16.5367% | 3,198 |
| Memoranda: | ||
| Average total assets | $141,839,000 | 3,780 |
| Average earning assets | $135,692,000 | 3,692 |
| Average equity | $15,891,500 | 3,765 |
| Average total loans | $117,536,000 | 3,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 299 |
| Cost of funding earning assets | 0.5346% | 2,337 |
| Net interest margin | 4.9987% | 302 |
| Noninterest income to average assets | 0.4115% | 4,098 |
| Noninterest expense to average assets | 3.3111% | 1,901 |
| Loan and lease loss provision to assets | 0.2892% | 723 |
| Net operating income to assets | 1.0256% | 2,280 |
| Return on assets (ROA) | 1.0256% | 2,353 |
| Pretax return on assets | 1.5650% | 1,334 |
| Return on Equity (ROE) | 8.5850% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.5850% | 803 |
| Net charge-offs to loans | -0.0020% | 5,377 |
| Credit loss provision to net charge-offs | -18,200.0000% | 6,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7035% | 4,628 |
| Assets per employee ($millions) | 4.2025% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,704 |
| Loan loss allowance to noncurrent loans | 490.2357% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 4,874 |
| Noncurrent loans to loans | 0.2557% | 4,921 |
| Net loans and leases to total assets | 82.7107% | 460 |
| Net loans and leases to deposits | 93.6627% | 1,113 |
| Net loans and leases to core deposits | 94.9434% | 1,819 |
| Total domestic deposits to total assets | 88.3070% | 1,615 |
| Equity capital to assets | 11.3246% | 2,585 |
| Core capital (leverage) ratio | 10.3274% | 3,134 |
| Tier 1 risk-based capital ratio | 15.5644% | 3,205 |
| Total risk-based capital ratio | 16.8175% | 3,131 |
| Memoranda: | ||
| Average total assets | $125,878,000 | 4,066 |
| Average earning assets | $119,710,200 | 3,975 |
| Average equity | $15,037,800 | 3,827 |
| Average total loans | $99,155,600 | 3,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 339 |
| Cost of funding earning assets | 0.5240% | 2,531 |
| Net interest margin | 4.9308% | 334 |
| Noninterest income to average assets | 0.4315% | 4,009 |
| Noninterest expense to average assets | 3.3301% | 1,840 |
| Loan and lease loss provision to assets | 0.2402% | 914 |
| Net operating income to assets | 1.0271% | 2,335 |
| Return on assets (ROA) | 1.0271% | 2,393 |
| Pretax return on assets | 1.5455% | 1,495 |
| Return on Equity (ROE) | 8.4727% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.4727% | 1,160 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6909% | 4,434 |
| Assets per employee ($millions) | 4.4037% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,011 |
| Loan loss allowance to noncurrent loans | 435.5482% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 4,666 |
| Noncurrent loans to loans | 0.2850% | 5,058 |
| Net loans and leases to total assets | 74.0202% | 1,522 |
| Net loans and leases to deposits | 83.4783% | 2,227 |
| Net loans and leases to core deposits | 84.2524% | 2,853 |
| Total domestic deposits to total assets | 88.6699% | 1,413 |
| Equity capital to assets | 10.8908% | 3,077 |
| Core capital (leverage) ratio | 10.3577% | 3,202 |
| Tier 1 risk-based capital ratio | 16.3007% | 2,904 |
| Total risk-based capital ratio | 17.5532% | 2,852 |
| Memoranda: | ||
| Average total assets | $122,677,250 | 4,165 |
| Average earning assets | $116,542,500 | 4,075 |
| Average equity | $14,871,000 | 3,881 |
| Average total loans | $94,904,500 | 3,561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 358 |
| Cost of funding earning assets | 0.5137% | 2,689 |
| Net interest margin | 4.9074% | 344 |
| Noninterest income to average assets | 0.5712% | 2,983 |
| Noninterest expense to average assets | 3.3946% | 1,690 |
| Loan and lease loss provision to assets | 0.1595% | 1,558 |
| Net operating income to assets | 1.1252% | 1,837 |
| Return on assets (ROA) | 1.1252% | 1,923 |
| Pretax return on assets | 1.6707% | 1,085 |
| Return on Equity (ROE) | 8.9177% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.9177% | 1,016 |
| Net charge-offs to loans | 0.0022% | 4,318 |
| Credit loss provision to net charge-offs | 9,300.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,067.0000% | 58 |
| Efficiency ratio | 64.5437% | 4,607 |
| Assets per employee ($millions) | 4.0944% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,234 |
| Loan loss allowance to noncurrent loans | 397.9798% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 4,666 |
| Noncurrent loans to loans | 0.3108% | 5,085 |
| Net loans and leases to total assets | 72.0447% | 1,739 |
| Net loans and leases to deposits | 81.8900% | 2,262 |
| Net loans and leases to core deposits | 82.7109% | 2,894 |
| Total domestic deposits to total assets | 87.9774% | 1,909 |
| Equity capital to assets | 11.4845% | 2,441 |
| Core capital (leverage) ratio | 11.1863% | 2,257 |
| Tier 1 risk-based capital ratio | 17.8790% | 2,282 |
| Total risk-based capital ratio | 19.1314% | 2,251 |
| Memoranda: | ||
| Average total assets | $116,597,330 | 4,316 |
| Average earning assets | $110,567,000 | 4,230 |
| Average equity | $14,712,330 | 3,909 |
| Average total loans | $91,333,330 | 3,659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 344 |
| Cost of funding earning assets | 0.5141% | 2,767 |
| Net interest margin | 4.8937% | 323 |
| Noninterest income to average assets | 0.6984% | 2,176 |
| Noninterest expense to average assets | 3.4849% | 1,518 |
| Loan and lease loss provision to assets | 0.0512% | 3,078 |
| Net operating income to assets | 1.2543% | 1,335 |
| Return on assets (ROA) | 1.2543% | 1,390 |
| Pretax return on assets | 1.7918% | 809 |
| Return on Equity (ROE) | 9.4328% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.4328% | 1,130 |
| Net charge-offs to loans | -0.0135% | 5,161 |
| Credit loss provision to net charge-offs | -466.6667% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9966% | 4,694 |
| Assets per employee ($millions) | 4.4768% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 4,515 |
| Loan loss allowance to noncurrent loans | 200.7260% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 4,002 |
| Noncurrent loans to loans | 0.6107% | 4,332 |
| Net loans and leases to total assets | 76.5675% | 938 |
| Net loans and leases to deposits | 88.2423% | 1,329 |
| Net loans and leases to core deposits | 89.2506% | 1,980 |
| Total domestic deposits to total assets | 86.7695% | 2,955 |
| Equity capital to assets | 12.6480% | 1,491 |
| Core capital (leverage) ratio | 12.2799% | 1,489 |
| Tier 1 risk-based capital ratio | 18.8614% | 2,010 |
| Total risk-based capital ratio | 20.1140% | 1,968 |
| Memoranda: | ||
| Average total assets | $109,386,000 | 4,498 |
| Average earning assets | $103,479,000 | 4,409 |
| Average equity | $14,545,000 | 3,942 |
| Average total loans | $89,212,500 | 3,713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 208 |
| Cost of funding earning assets | 0.4121% | 4,520 |
| Net interest margin | 5.4635% | 145 |
| Noninterest income to average assets | 0.3560% | 4,755 |
| Noninterest expense to average assets | 3.5523% | 1,546 |
| Loan and lease loss provision to assets | 0.4540% | 634 |
| Net operating income to assets | 1.2247% | 1,471 |
| Return on assets (ROA) | 1.2247% | 1,536 |
| Pretax return on assets | 1.4740% | 1,539 |
| Return on Equity (ROE) | 8.6752% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.6752% | 853 |
| Net charge-offs to loans | 0.0212% | 5,011 |
| Credit loss provision to net charge-offs | 2,606.2500% | 88 |
| Earnings coverage of net charge-offs (x) | 110.6875% | 429 |
| Efficiency ratio | 64.3027% | 4,846 |
| Assets per employee ($millions) | 4.0950% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 4,468 |
| Loan loss allowance to noncurrent loans | 198.9051% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 3,451 |
| Noncurrent loans to loans | 0.6213% | 4,427 |
| Net loans and leases to total assets | 85.0861% | 199 |
| Net loans and leases to deposits | 99.6317% | 500 |
| Net loans and leases to core deposits | 100.9456% | 1,091 |
| Total domestic deposits to total assets | 85.4006% | 3,555 |
| Equity capital to assets | 14.0348% | 887 |
| Core capital (leverage) ratio | 12.9540% | 1,159 |
| Tier 1 risk-based capital ratio | 19.2728% | 1,842 |
| Total risk-based capital ratio | 20.5276% | 1,807 |
| Memoranda: | ||
| Average total assets | $91,857,000 | 4,933 |
| Average earning assets | $86,154,200 | 4,877 |
| Average equity | $12,968,000 | 4,272 |
| Average total loans | $75,537,800 | 4,075 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7797% | 244 |
| Cost of funding earning assets | 0.3845% | 4,956 |
| Net interest margin | 5.3952% | 159 |
| Noninterest income to average assets | 0.4468% | 4,179 |
| Noninterest expense to average assets | 3.5653% | 1,468 |
| Loan and lease loss provision to assets | 0.5006% | 546 |
| Net operating income to assets | 1.2985% | 1,356 |
| Return on assets (ROA) | 1.2985% | 1,418 |
| Pretax return on assets | 1.4345% | 1,819 |
| Return on Equity (ROE) | 9.1824% | 2,554 |
| Retained earnings to average equity (ytd only) | 9.1824% | 1,008 |
| Net charge-offs to loans | 0.0405% | 4,334 |
| Credit loss provision to net charge-offs | 1,522.7273% | 211 |
| Earnings coverage of net charge-offs (x) | 58.8687% | 763 |
| Efficiency ratio | 64.3032% | 4,752 |
| Assets per employee ($millions) | 4.5712% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 4,870 |
| Loan loss allowance to noncurrent loans | 190.8571% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 3,514 |
| Noncurrent loans to loans | 0.6279% | 4,627 |
| Net loans and leases to total assets | 82.1451% | 359 |
| Net loans and leases to deposits | 96.4608% | 658 |
| Net loans and leases to core deposits | 97.7564% | 1,258 |
| Total domestic deposits to total assets | 85.1590% | 3,655 |
| Equity capital to assets | 14.0216% | 960 |
| Core capital (leverage) ratio | 13.4903% | 1,028 |
| Tier 1 risk-based capital ratio | 19.5168% | 1,855 |
| Total risk-based capital ratio | 20.7705% | 1,824 |
| Memoranda: | ||
| Average total assets | $89,227,750 | 5,048 |
| Average earning assets | $83,578,500 | 4,984 |
| Average equity | $12,618,000 | 4,377 |
| Average total loans | $72,373,250 | 4,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 261 |
| Cost of funding earning assets | 0.3530% | 5,378 |
| Net interest margin | 5.3797% | 161 |
| Noninterest income to average assets | 0.4751% | 3,993 |
| Noninterest expense to average assets | 3.6607% | 1,313 |
| Loan and lease loss provision to assets | 0.5664% | 457 |
| Net operating income to assets | 1.2780% | 1,380 |
| Return on assets (ROA) | 1.2780% | 1,471 |
| Pretax return on assets | 1.2780% | 2,376 |
| Return on Equity (ROE) | 9.0072% | 2,603 |
| Retained earnings to average equity (ytd only) | 9.0072% | 1,114 |
| Net charge-offs to loans | 0.0699% | 3,710 |
| Credit loss provision to net charge-offs | 1,008.3333% | 299 |
| Earnings coverage of net charge-offs (x) | 32.8333% | 1,075 |
| Efficiency ratio | 65.9439% | 4,555 |
| Assets per employee ($millions) | 3.9263% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,086 |
| Loan loss allowance to noncurrent loans | 173.7548% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 3,463 |
| Noncurrent loans to loans | 0.6799% | 4,577 |
| Net loans and leases to total assets | 80.5085% | 489 |
| Net loans and leases to deposits | 95.0093% | 736 |
| Net loans and leases to core deposits | 96.3744% | 1,320 |
| Total domestic deposits to total assets | 84.7375% | 4,020 |
| Equity capital to assets | 14.6077% | 794 |
| Core capital (leverage) ratio | 13.9771% | 829 |
| Tier 1 risk-based capital ratio | 20.6852% | 1,573 |
| Total risk-based capital ratio | 21.9375% | 1,541 |
| Memoranda: | ||
| Average total assets | $85,448,330 | 5,174 |
| Average earning assets | $79,893,670 | 5,123 |
| Average equity | $12,123,670 | 4,505 |
| Average total loans | $68,627,000 | 4,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 221 |
| Cost of funding earning assets | 0.3182% | 5,820 |
| Net interest margin | 5.5162% | 120 |
| Noninterest income to average assets | 0.3997% | 4,458 |
| Noninterest expense to average assets | 3.7801% | 1,138 |
| Loan and lease loss provision to assets | 0.7501% | 302 |
| Net operating income to assets | 1.0018% | 2,216 |
| Return on assets (ROA) | 1.0018% | 2,335 |
| Pretax return on assets | 1.0018% | 3,348 |
| Return on Equity (ROE) | 7.1839% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.1839% | 2,074 |
| Net charge-offs to loans | 0.1611% | 2,438 |
| Credit loss provision to net charge-offs | 584.6154% | 465 |
| Earnings coverage of net charge-offs (x) | 13.6538% | 1,513 |
| Efficiency ratio | 67.7966% | 4,345 |
| Assets per employee ($millions) | 3.7220% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,274 |
| Loan loss allowance to noncurrent loans | 1,147.8873% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 4,516 |
| Noncurrent loans to loans | 0.1026% | 6,170 |
| Net loans and leases to total assets | 79.9065% | 432 |
| Net loans and leases to deposits | 92.7826% | 739 |
| Net loans and leases to core deposits | 93.3907% | 1,385 |
| Total domestic deposits to total assets | 86.1223% | 3,464 |
| Equity capital to assets | 13.3287% | 1,284 |
| Core capital (leverage) ratio | 12.9527% | 1,135 |
| Tier 1 risk-based capital ratio | 17.9709% | 2,377 |
| Total risk-based capital ratio | 19.2226% | 2,342 |
| Memoranda: | ||
| Average total assets | $81,057,000 | 5,336 |
| Average earning assets | $75,414,500 | 5,283 |
| Average equity | $11,303,000 | 4,716 |
| Average total loans | $64,555,000 | 4,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9182% | 302 |
| Cost of funding earning assets | 0.3575% | 6,171 |
| Net interest margin | 5.5607% | 155 |
| Noninterest income to average assets | 0.8656% | 1,969 |
| Noninterest expense to average assets | 4.5733% | 535 |
| Loan and lease loss provision to assets | 0.6791% | 779 |
| Net operating income to assets | 0.7205% | 3,637 |
| Return on assets (ROA) | 0.7205% | 3,893 |
| Pretax return on assets | 0.7205% | 4,593 |
| Return on Equity (ROE) | 4.1684% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.1684% | 3,295 |
| Net charge-offs to loans | 0.0662% | 5,021 |
| Credit loss provision to net charge-offs | 1,374.1935% | 186 |
| Earnings coverage of net charge-offs (x) | 28.3226% | 1,046 |
| Efficiency ratio | 75.8740% | 2,768 |
| Assets per employee ($millions) | 3.4777% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,345 |
| Loan loss allowance to noncurrent loans | 412.5749% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 4,119 |
| Noncurrent loans to loans | 0.2788% | 5,785 |
| Net loans and leases to total assets | 77.3791% | 745 |
| Net loans and leases to deposits | 91.3019% | 964 |
| Net loans and leases to core deposits | 91.3019% | 1,696 |
| Total domestic deposits to total assets | 84.7508% | 3,965 |
| Equity capital to assets | 14.6336% | 835 |
| Core capital (leverage) ratio | 13.1183% | 1,072 |
| Tier 1 risk-based capital ratio | 20.4804% | 1,565 |
| Total risk-based capital ratio | 21.7313% | 1,538 |
| Memoranda: | ||
| Average total assets | $62,733,400 | 5,857 |
| Average earning assets | $57,618,400 | 5,822 |
| Average equity | $10,843,400 | 4,793 |
| Average total loans | $46,809,200 | 5,218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8748% | 349 |
| Cost of funding earning assets | 0.3800% | 6,229 |
| Net interest margin | 5.4947% | 174 |
| Noninterest income to average assets | 0.9827% | 1,549 |
| Noninterest expense to average assets | 4.7809% | 430 |
| Loan and lease loss provision to assets | 0.7084% | 718 |
| Net operating income to assets | 0.5330% | 4,692 |
| Return on assets (ROA) | 0.5330% | 4,964 |
| Pretax return on assets | 0.5330% | 5,370 |
| Return on Equity (ROE) | 2.9380% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.9380% | 4,798 |
| Net charge-offs to loans | 0.0092% | 5,586 |
| Credit loss provision to net charge-offs | 10,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 183.9950% | 244 |
| Efficiency ratio | 78.6781% | 2,286 |
| Assets per employee ($millions) | 3.6086% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,622 |
| Loan loss allowance to noncurrent loans | 179.8220% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 3,887 |
| Noncurrent loans to loans | 0.6249% | 5,187 |
| Net loans and leases to total assets | 70.3669% | 1,843 |
| Net loans and leases to deposits | 82.9042% | 2,006 |
| Net loans and leases to core deposits | 82.9042% | 2,843 |
| Total domestic deposits to total assets | 84.8773% | 3,801 |
| Equity capital to assets | 14.4748% | 977 |
| Core capital (leverage) ratio | 13.7964% | 902 |
| Tier 1 risk-based capital ratio | 20.8817% | 1,555 |
| Total risk-based capital ratio | 22.1274% | 1,520 |
| Memoranda: | ||
| Average total assets | $59,289,500 | 6,005 |
| Average earning assets | $54,378,250 | 5,981 |
| Average equity | $10,755,250 | 4,859 |
| Average total loans | $43,538,750 | 5,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 280 |
| Cost of funding earning assets | 0.4021% | 6,254 |
| Net interest margin | 5.6374% | 149 |
| Noninterest income to average assets | 0.9258% | 1,683 |
| Noninterest expense to average assets | 5.2572% | 318 |
| Loan and lease loss provision to assets | 0.8774% | 544 |
| Net operating income to assets | -0.0483% | 6,380 |
| Return on assets (ROA) | -0.0483% | 6,498 |
| Pretax return on assets | -0.0483% | 6,484 |
| Return on Equity (ROE) | -0.2434% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.2434% | 6,082 |
| Net charge-offs to loans | 0.0050% | 5,433 |
| Credit loss provision to net charge-offs | 23,600.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 194 |
| Efficiency ratio | 85.5834% | 1,472 |
| Assets per employee ($millions) | 2.9033% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,853 |
| Loan loss allowance to noncurrent loans | 178.7162% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 3,584 |
| Noncurrent loans to loans | 0.6063% | 5,302 |
| Net loans and leases to total assets | 79.2091% | 594 |
| Net loans and leases to deposits | 96.7137% | 586 |
| Net loans and leases to core deposits | 96.7137% | 1,380 |
| Total domestic deposits to total assets | 81.9006% | 5,171 |
| Equity capital to assets | 17.5630% | 381 |
| Core capital (leverage) ratio | 15.5723% | 515 |
| Tier 1 risk-based capital ratio | 23.8190% | 1,039 |
| Total risk-based capital ratio | 25.0935% | 1,017 |
| Memoranda: | ||
| Average total assets | $53,792,670 | 6,196 |
| Average earning assets | $49,242,330 | 6,185 |
| Average equity | $10,684,000 | 4,878 |
| Average total loans | $40,075,000 | 5,600 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0698% | 277 |
| Cost of funding earning assets | 0.3941% | 6,438 |
| Net interest margin | 5.6757% | 146 |
| Noninterest income to average assets | 0.6215% | 3,095 |
| Noninterest expense to average assets | 5.4577% | 275 |
| Loan and lease loss provision to assets | 1.0278% | 398 |
| Net operating income to assets | -0.7011% | 6,913 |
| Return on assets (ROA) | -0.7011% | 6,934 |
| Pretax return on assets | -0.7011% | 6,898 |
| Return on Equity (ROE) | -3.2984% | 6,773 |
| Retained earnings to average equity (ytd only) | -3.2984% | 6,429 |
| Net charge-offs to loans | 0.0112% | 4,555 |
| Credit loss provision to net charge-offs | 12,900.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 736 |
| Efficiency ratio | 94.3526% | 804 |
| Assets per employee ($millions) | 2.8591% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 6,057 |
| Loan loss allowance to noncurrent loans | 230.6011% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 3,626 |
| Noncurrent loans to loans | 0.4585% | 5,763 |
| Net loans and leases to total assets | 72.7022% | 1,275 |
| Net loans and leases to deposits | 90.7866% | 893 |
| Net loans and leases to core deposits | 90.7866% | 1,772 |
| Total domestic deposits to total assets | 80.0803% | 5,836 |
| Equity capital to assets | 19.5755% | 240 |
| Core capital (leverage) ratio | 19.8198% | 213 |
| Tier 1 risk-based capital ratio | 27.3074% | 701 |
| Total risk-based capital ratio | 28.5369% | 687 |
| Memoranda: | ||
| Average total assets | $50,204,500 | 6,366 |
| Average earning assets | $45,668,500 | 6,340 |
| Average equity | $10,672,000 | 4,893 |
| Average total loans | $35,701,500 | 5,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 6,656 |
| Cost of funding earning assets | 0.5001% | 6,537 |
| Net interest margin | 3.3652% | 5,597 |
| Noninterest income to average assets | 0.4295% | 4,376 |
| Noninterest expense to average assets | 5.5973% | 250 |
| Loan and lease loss provision to assets | 0.8362% | 1,166 |
| Net operating income to assets | -3.1144% | 7,189 |
| Return on assets (ROA) | -3.1144% | 7,192 |
| Pretax return on assets | -3.1144% | 7,193 |
| Return on Equity (ROE) | -14.3871% | 6,873 |
| Retained earnings to average equity (ytd only) | -14.3871% | 6,849 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.6375% | 96 |
| Assets per employee ($millions) | 2.5603% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,447 |
| Loan loss allowance to noncurrent loans | 108.8889% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9854% | 2,987 |
| Noncurrent loans to loans | 0.8575% | 4,974 |
| Net loans and leases to total assets | 67.6843% | 2,460 |
| Net loans and leases to deposits | 88.5963% | 1,305 |
| Net loans and leases to core deposits | 88.5963% | 2,306 |
| Total domestic deposits to total assets | 76.3963% | 6,432 |
| Equity capital to assets | 23.2392% | 126 |
| Core capital (leverage) ratio | 20.8073% | 169 |
| Tier 1 risk-based capital ratio | 33.5059% | 376 |
| Total risk-based capital ratio | 34.5484% | 376 |
| Memoranda: | ||
| Average total assets | $35,159,600 | 6,824 |
| Average earning assets | $30,191,800 | 6,866 |
| Average equity | $7,611,000 | 5,686 |
| Average total loans | $19,428,000 | 6,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8358% | 7,298 |
| Cost of funding earning assets | 0.4783% | 6,788 |
| Net interest margin | 2.3575% | 7,196 |
| Noninterest income to average assets | 0.3824% | 4,787 |
| Noninterest expense to average assets | 5.3121% | 284 |
| Loan and lease loss provision to assets | 0.6620% | 1,464 |
| Net operating income to assets | -3.6058% | 7,308 |
| Return on assets (ROA) | -3.6058% | 7,310 |
| Pretax return on assets | -3.6058% | 7,308 |
| Return on Equity (ROE) | -17.1044% | 7,054 |
| Retained earnings to average equity (ytd only) | -17.1044% | 7,034 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.3056% | 35 |
| Assets per employee ($millions) | 2.4092% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 6,897 |
| Loan loss allowance to noncurrent loans | 75.9434% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 3,290 |
| Noncurrent loans to loans | 0.9867% | 4,918 |
| Net loans and leases to total assets | 46.5854% | 6,097 |
| Net loans and leases to deposits | 61.5713% | 5,458 |
| Net loans and leases to core deposits | 62.5796% | 5,762 |
| Total domestic deposits to total assets | 75.6609% | 6,570 |
| Equity capital to assets | 23.8738% | 133 |
| Core capital (leverage) ratio | 24.0395% | 124 |
| Tier 1 risk-based capital ratio | 41.7005% | 218 |
| Total risk-based capital ratio | 42.3950% | 222 |
| Memoranda: | ||
| Average total assets | $32,428,000 | 6,969 |
| Average earning assets | $27,316,500 | 7,011 |
| Average equity | $6,836,250 | 5,953 |
| Average total loans | $16,413,250 | 6,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8320% | 7,455 |
| Cost of funding earning assets | 0.3259% | 7,267 |
| Net interest margin | 1.5061% | 7,442 |
| Noninterest income to average assets | 0.4074% | 4,618 |
| Noninterest expense to average assets | 3.2881% | 2,604 |
| Loan and lease loss provision to assets | 0.0572% | 5,603 |
| Net operating income to assets | -1.7156% | 7,142 |
| Return on assets (ROA) | -1.7156% | 7,153 |
| Pretax return on assets | -1.7156% | 7,117 |
| Return on Equity (ROE) | -8.7714% | 6,897 |
| Retained earnings to average equity (ytd only) | -8.7714% | 6,815 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.7544% | 61 |
| Assets per employee ($millions) | 1.9207% | 7,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0601% | 7,435 |
| Loan loss allowance to noncurrent loans | 1.1765% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 3.5705% | 1,832 |
| Noncurrent loans to loans | 5.1055% | 1,271 |
| Net loans and leases to total assets | 36.4755% | 6,936 |
| Net loans and leases to deposits | 53.8275% | 6,317 |
| Net loans and leases to core deposits | 54.9791% | 6,493 |
| Total domestic deposits to total assets | 67.7637% | 7,201 |
| Equity capital to assets | 31.6910% | 73 |
| Core capital (leverage) ratio | 35.2515% | 60 |
| Tier 1 risk-based capital ratio | 59.7923% | 110 |
| Total risk-based capital ratio | 59.8387% | 110 |
| Memoranda: | ||
| Average total assets | $27,979,330 | 7,163 |
| Average earning assets | $22,707,000 | 7,225 |
| Average equity | $5,472,330 | 6,378 |
| Average total loans | $14,722,670 | 7,050 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4975% | 211 |
| Cost of funding earning assets | 1.1427% | 3,209 |
| Net interest margin | 5.3548% | 205 |
| Noninterest income to average assets | 0.9105% | 1,629 |
| Noninterest expense to average assets | 7.4360% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.4955% | 7,340 |
| Return on assets (ROA) | -2.4955% | 7,339 |
| Pretax return on assets | -2.4955% | 7,324 |
| Return on Equity (ROE) | -24.4023% | 7,271 |
| Retained earnings to average equity (ytd only) | -24.4023% | 7,231 |
| Net charge-offs to loans | 0.0778% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -49.3333% | 5,090 |
| Efficiency ratio | 150.5119% | 163 |
| Assets per employee ($millions) | 1.9435% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5178% | 594 |
| Loan loss allowance to noncurrent loans | 53.1658% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 6.8691% | 789 |
| Noncurrent loans to loans | 6.6166% | 881 |
| Net loans and leases to total assets | 62.2116% | 3,808 |
| Net loans and leases to deposits | 69.6276% | 4,404 |
| Net loans and leases to core deposits | 69.6276% | 5,095 |
| Total domestic deposits to total assets | 89.3491% | 1,567 |
| Equity capital to assets | 10.0849% | 3,667 |
| Core capital (leverage) ratio | 9.3706% | 4,014 |
| Tier 1 risk-based capital ratio | 13.2229% | 4,647 |
| Total risk-based capital ratio | 14.4978% | 4,599 |
| Memoranda: | ||
| Average total assets | $23,722,500 | 7,323 |
| Average earning assets | $17,853,000 | 7,386 |
| Average equity | $2,426,000 | 7,312 |
| Average total loans | $15,424,500 | 7,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1133% | 128 |
| Cost of funding earning assets | 1.5283% | 2,488 |
| Net interest margin | 5.5850% | 151 |
| Noninterest income to average assets | 0.9416% | 1,700 |
| Noninterest expense to average assets | 7.4555% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -2.1762% | 7,099 |
| Return on assets (ROA) | -2.1762% | 7,117 |
| Pretax return on assets | -2.1762% | 7,081 |
| Return on Equity (ROE) | -21.0967% | 7,060 |
| Retained earnings to average equity (ytd only) | -21.0967% | 7,033 |
| Net charge-offs to loans | 0.7722% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -3.8824% | 6,760 |
| Efficiency ratio | 141.2214% | 253 |
| Assets per employee ($millions) | 2.0103% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3647% | 648 |
| Loan loss allowance to noncurrent loans | 63.3333% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 6.0026% | 991 |
| Noncurrent loans to loans | 5.3128% | 1,246 |
| Net loans and leases to total assets | 63.3379% | 3,999 |
| Net loans and leases to deposits | 71.1313% | 4,662 |
| Net loans and leases to core deposits | 71.1313% | 5,317 |
| Total domestic deposits to total assets | 89.0437% | 1,635 |
| Equity capital to assets | 10.3636% | 3,317 |
| Core capital (leverage) ratio | 9.5153% | 3,686 |
| Tier 1 risk-based capital ratio | 13.9999% | 3,873 |
| Total risk-based capital ratio | 15.2748% | 3,821 |
| Memoranda: | ||
| Average total assets | $27,295,200 | 7,286 |
| Average earning assets | $21,199,800 | 7,371 |
| Average equity | $2,815,600 | 7,322 |
| Average total loans | $19,814,200 | 6,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1325% | 122 |
| Cost of funding earning assets | 1.5917% | 2,434 |
| Net interest margin | 5.5408% | 160 |
| Noninterest income to average assets | 0.9968% | 1,475 |
| Noninterest expense to average assets | 7.2057% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.8798% | 7,205 |
| Return on assets (ROA) | -1.8798% | 7,218 |
| Pretax return on assets | -1.8798% | 7,161 |
| Return on Equity (ROE) | -18.2411% | 7,187 |
| Retained earnings to average equity (ytd only) | -18.2411% | 7,167 |
| Net charge-offs to loans | 0.9096% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -2.7887% | 6,558 |
| Efficiency ratio | 135.2941% | 270 |
| Assets per employee ($millions) | 2.0578% | 7,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0694% | 775 |
| Loan loss allowance to noncurrent loans | 51.9617% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 6.5481% | 864 |
| Noncurrent loans to loans | 5.9070% | 1,076 |
| Net loans and leases to total assets | 69.4420% | 2,871 |
| Net loans and leases to deposits | 78.5993% | 3,711 |
| Net loans and leases to core deposits | 78.5993% | 4,724 |
| Total domestic deposits to total assets | 88.3494% | 1,763 |
| Equity capital to assets | 10.9257% | 3,030 |
| Core capital (leverage) ratio | 9.8103% | 3,473 |
| Tier 1 risk-based capital ratio | 14.2596% | 3,657 |
| Total risk-based capital ratio | 15.5580% | 3,587 |
| Memoranda: | ||
| Average total assets | $28,088,250 | 7,358 |
| Average earning assets | $21,945,750 | 7,446 |
| Average equity | $2,894,500 | 7,397 |
| Average total loans | $20,815,000 | 6,968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0662% | 140 |
| Cost of funding earning assets | 1.6555% | 2,359 |
| Net interest margin | 5.4107% | 195 |
| Noninterest income to average assets | 1.2115% | 880 |
| Noninterest expense to average assets | 7.1869% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.7249% | 7,230 |
| Return on assets (ROA) | -1.7249% | 7,242 |
| Pretax return on assets | -1.7249% | 7,157 |
| Return on Equity (ROE) | -17.0270% | 7,203 |
| Retained earnings to average equity (ytd only) | -17.0270% | 7,170 |
| Net charge-offs to loans | 1.1347% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -2.0323% | 6,209 |
| Efficiency ratio | 131.5789% | 306 |
| Assets per employee ($millions) | 2.4713% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8615% | 944 |
| Loan loss allowance to noncurrent loans | 50.7233% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 7.6258% | 667 |
| Noncurrent loans to loans | 5.6414% | 1,161 |
| Net loans and leases to total assets | 70.0559% | 2,880 |
| Net loans and leases to deposits | 78.7170% | 3,850 |
| Net loans and leases to core deposits | 78.7170% | 4,847 |
| Total domestic deposits to total assets | 88.9972% | 1,443 |
| Equity capital to assets | 10.4547% | 3,473 |
| Core capital (leverage) ratio | 9.3777% | 3,997 |
| Tier 1 risk-based capital ratio | 12.8879% | 4,534 |
| Total risk-based capital ratio | 14.1782% | 4,467 |
| Memoranda: | ||
| Average total assets | $29,219,670 | 7,376 |
| Average earning assets | $22,954,330 | 7,478 |
| Average equity | $2,960,000 | 7,424 |
| Average total loans | $21,856,330 | 6,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0883% | 153 |
| Cost of funding earning assets | 1.7098% | 2,338 |
| Net interest margin | 5.3785% | 216 |
| Noninterest income to average assets | 1.5610% | 504 |
| Noninterest expense to average assets | 7.8313% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.9843% | 7,460 |
| Return on assets (ROA) | -1.9843% | 7,462 |
| Pretax return on assets | -1.9843% | 7,413 |
| Return on Equity (ROE) | -19.8741% | 7,434 |
| Retained earnings to average equity (ytd only) | -19.8741% | 7,365 |
| Net charge-offs to loans | 1.7927% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.4563% | 5,430 |
| Efficiency ratio | 133.9367% | 297 |
| Assets per employee ($millions) | 2.9004% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6724% | 1,104 |
| Loan loss allowance to noncurrent loans | 33.8569% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 8.6298% | 539 |
| Noncurrent loans to loans | 7.8933% | 692 |
| Net loans and leases to total assets | 73.0796% | 2,179 |
| Net loans and leases to deposits | 81.7652% | 3,328 |
| Net loans and leases to core deposits | 81.7652% | 4,529 |
| Total domestic deposits to total assets | 89.3773% | 1,314 |
| Equity capital to assets | 10.1503% | 3,669 |
| Core capital (leverage) ratio | 9.0969% | 4,378 |
| Tier 1 risk-based capital ratio | 12.2304% | 4,967 |
| Total risk-based capital ratio | 13.4985% | 4,918 |
| Memoranda: | ||
| Average total assets | $30,237,500 | 7,434 |
| Average earning assets | $24,096,000 | 7,531 |
| Average equity | $3,019,000 | 7,488 |
| Average total loans | $22,982,000 | 6,994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4945% | 134 |
| Cost of funding earning assets | 2.2983% | 1,668 |
| Net interest margin | 5.1962% | 295 |
| Noninterest income to average assets | 0.5356% | 4,135 |
| Noninterest expense to average assets | 5.9153% | 319 |
| Loan and lease loss provision to assets | 3.5179% | 435 |
| Net operating income to assets | -4.3807% | 7,664 |
| Return on assets (ROA) | -4.3807% | 7,661 |
| Pretax return on assets | -4.3807% | 7,618 |
| Return on Equity (ROE) | -47.7800% | 7,662 |
| Retained earnings to average equity (ytd only) | -47.7800% | 7,655 |
| Net charge-offs to loans | 4.0223% | 408 |
| Credit loss provision to net charge-offs | 105.8362% | 5,238 |
| Earnings coverage of net charge-offs (x) | -0.2596% | 6,506 |
| Efficiency ratio | 117.0774% | 657 |
| Assets per employee ($millions) | 2.4208% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8322% | 900 |
| Loan loss allowance to noncurrent loans | 55.5105% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 6.5775% | 823 |
| Noncurrent loans to loans | 5.1021% | 1,313 |
| Net loans and leases to total assets | 74.6751% | 2,100 |
| Net loans and leases to deposits | 83.4256% | 3,372 |
| Net loans and leases to core deposits | 113.8008% | 2,517 |
| Total domestic deposits to total assets | 89.5110% | 1,203 |
| Equity capital to assets | 9.8313% | 3,969 |
| Core capital (leverage) ratio | 9.1583% | 4,186 |
| Tier 1 risk-based capital ratio | 12.2327% | 4,740 |
| Total risk-based capital ratio | 13.5030% | 4,681 |
| Memoranda: | ||
| Average total assets | $34,537,800 | 7,301 |
| Average earning assets | $30,022,200 | 7,357 |
| Average equity | $3,166,600 | 7,541 |
| Average total loans | $28,541,000 | 6,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3635% | 172 |
| Cost of funding earning assets | 2.4118% | 1,591 |
| Net interest margin | 4.9517% | 492 |
| Noninterest income to average assets | 0.4607% | 4,816 |
| Noninterest expense to average assets | 5.8575% | 324 |
| Loan and lease loss provision to assets | 3.2667% | 420 |
| Net operating income to assets | -4.2826% | 7,777 |
| Return on assets (ROA) | -4.2826% | 7,779 |
| Pretax return on assets | -4.2826% | 7,728 |
| Return on Equity (ROE) | -47.4750% | 7,813 |
| Retained earnings to average equity (ytd only) | -47.4750% | 7,809 |
| Net charge-offs to loans | 4.8644% | 245 |
| Credit loss provision to net charge-offs | 80.0185% | 5,765 |
| Earnings coverage of net charge-offs (x) | -0.2488% | 6,322 |
| Efficiency ratio | 120.9828% | 574 |
| Assets per employee ($millions) | 2.5200% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,331 |
| Loan loss allowance to noncurrent loans | 156.2016% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 3.1044% | 2,207 |
| Noncurrent loans to loans | 0.9726% | 5,355 |
| Net loans and leases to total assets | 79.7436% | 1,224 |
| Net loans and leases to deposits | 90.0486% | 2,573 |
| Net loans and leases to core deposits | 121.8868% | 2,082 |
| Total domestic deposits to total assets | 88.5562% | 1,408 |
| Equity capital to assets | 10.6013% | 3,402 |
| Core capital (leverage) ratio | 9.9169% | 3,383 |
| Tier 1 risk-based capital ratio | 12.1754% | 4,814 |
| Total risk-based capital ratio | 13.4272% | 4,763 |
| Memoranda: | ||
| Average total assets | $35,304,500 | 7,325 |
| Average earning assets | $31,234,250 | 7,361 |
| Average equity | $3,184,750 | 7,607 |
| Average total loans | $29,629,750 | 6,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3336% | 194 |
| Cost of funding earning assets | 2.5825% | 1,337 |
| Net interest margin | 4.7511% | 729 |
| Noninterest income to average assets | 0.1106% | 7,432 |
| Noninterest expense to average assets | 5.6372% | 360 |
| Loan and lease loss provision to assets | 3.9554% | 316 |
| Net operating income to assets | -5.2278% | 7,953 |
| Return on assets (ROA) | -5.2278% | 7,946 |
| Pretax return on assets | -5.2278% | 7,891 |
| Return on Equity (ROE) | -61.1914% | 7,980 |
| Retained earnings to average equity (ytd only) | -61.1914% | 7,975 |
| Net charge-offs to loans | 6.0592% | 182 |
| Credit loss provision to net charge-offs | 76.9645% | 5,282 |
| Earnings coverage of net charge-offs (x) | -0.2476% | 5,919 |
| Efficiency ratio | 129.1508% | 535 |
| Assets per employee ($millions) | 2.6175% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,533 |
| Loan loss allowance to noncurrent loans | 60.4790% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.9975% | 2,121 |
| Noncurrent loans to loans | 2.3767% | 3,038 |
| Net loans and leases to total assets | 81.4094% | 1,069 |
| Net loans and leases to deposits | 88.7060% | 3,054 |
| Net loans and leases to core deposits | 134.6784% | 1,278 |
| Total domestic deposits to total assets | 91.7744% | 252 |
| Equity capital to assets | 7.5732% | 7,207 |
| Core capital (leverage) ratio | 6.7764% | 7,676 |
| Tier 1 risk-based capital ratio | 8.5508% | 7,837 |
| Total risk-based capital ratio | 9.8053% | 7,872 |
| Memoranda: | ||
| Average total assets | $36,152,670 | 7,372 |
| Average earning assets | $32,371,670 | 7,384 |
| Average equity | $3,088,670 | 7,702 |
| Average total loans | $30,664,000 | 6,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5144% | 165 |
| Cost of funding earning assets | 2.7119% | 1,236 |
| Net interest margin | 4.8025% | 605 |
| Noninterest income to average assets | 0.6127% | 3,455 |
| Noninterest expense to average assets | 4.8475% | 537 |
| Loan and lease loss provision to assets | 3.3857% | 311 |
| Net operating income to assets | -3.2997% | 7,886 |
| Return on assets (ROA) | -3.2997% | 7,890 |
| Pretax return on assets | -3.2997% | 7,808 |
| Return on Equity (ROE) | -36.7170% | 7,959 |
| Retained earnings to average equity (ytd only) | -36.7170% | 7,931 |
| Net charge-offs to loans | 3.8569% | 318 |
| Credit loss provision to net charge-offs | 102.2727% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.0260% | 4,957 |
| Efficiency ratio | 98.2571% | 1,202 |
| Assets per employee ($millions) | 2.7587% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 1,343 |
| Loan loss allowance to noncurrent loans | 82.5627% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 3.1146% | 1,810 |
| Noncurrent loans to loans | 2.4676% | 2,671 |
| Net loans and leases to total assets | 83.7967% | 720 |
| Net loans and leases to deposits | 92.4193% | 2,528 |
| Net loans and leases to core deposits | 145.4106% | 890 |
| Total domestic deposits to total assets | 90.6700% | 528 |
| Equity capital to assets | 8.8977% | 5,481 |
| Core capital (leverage) ratio | 7.8978% | 6,625 |
| Tier 1 risk-based capital ratio | 10.0403% | 6,872 |
| Total risk-based capital ratio | 11.3013% | 6,771 |
| Memoranda: | ||
| Average total assets | $37,215,000 | 7,366 |
| Average earning assets | $33,482,500 | 7,379 |
| Average equity | $3,344,500 | 7,676 |
| Average total loans | $31,943,000 | 6,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2597% | 136 |
| Cost of funding earning assets | 3.4675% | 569 |
| Net interest margin | 4.7922% | 790 |
| Noninterest income to average assets | 0.5426% | 4,292 |
| Noninterest expense to average assets | 4.8147% | 702 |
| Loan and lease loss provision to assets | 1.1032% | 1,315 |
| Net operating income to assets | -0.9675% | 7,233 |
| Return on assets (ROA) | -0.9675% | 7,152 |
| Pretax return on assets | -0.9675% | 6,983 |
| Return on Equity (ROE) | -10.8589% | 7,333 |
| Retained earnings to average equity (ytd only) | -10.8589% | 7,148 |
| Net charge-offs to loans | 1.2478% | 962 |
| Credit loss provision to net charge-offs | 99.7685% | 5,382 |
| Earnings coverage of net charge-offs (x) | 0.1227% | 6,173 |
| Efficiency ratio | 97.2596% | 1,089 |
| Assets per employee ($millions) | 2.9667% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 1,505 |
| Loan loss allowance to noncurrent loans | 45.1754% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 3.6223% | 1,213 |
| Noncurrent loans to loans | 4.1194% | 1,181 |
| Net loans and leases to total assets | 84.5049% | 808 |
| Net loans and leases to deposits | 93.3920% | 2,878 |
| Net loans and leases to core deposits | 162.9550% | 521 |
| Total domestic deposits to total assets | 90.4841% | 498 |
| Equity capital to assets | 9.0699% | 5,266 |
| Core capital (leverage) ratio | 8.1643% | 6,232 |
| Tier 1 risk-based capital ratio | 10.1498% | 6,576 |
| Total risk-based capital ratio | 11.4073% | 6,428 |
| Memoranda: | ||
| Average total assets | $39,068,000 | 7,257 |
| Average earning assets | $35,933,400 | 7,243 |
| Average equity | $3,481,000 | 7,689 |
| Average total loans | $34,620,400 | 6,450 |