Home > The Bank of Charlotte County > Performance and Condition Ratios
The Bank of Charlotte County, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 1,836 |
| Cost of funding earning assets | 1.0376% | 3,955 |
| Net interest margin | 4.5806% | 554 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 3.0746% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3205% | 1,434 |
| Return on assets (ROA) | 1.3205% | 1,432 |
| Pretax return on assets | 1.6413% | 1,216 |
| Return on Equity (ROE) | 12.5900% | 1,591 |
| Retained earnings to average equity (ytd only) | 12.5889% | 692 |
| Net charge-offs to loans | -0.0053% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.1959% | 2,333 |
| Assets per employee ($millions) | 4.6240% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 3,600 |
| Loan loss allowance to noncurrent loans | 211.4374% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,691 |
| Noncurrent loans to loans | 0.4269% | 2,053 |
| Net loans and leases to total assets | 72.1900% | 1,574 |
| Net loans and leases to deposits | 83.3827% | 1,745 |
| Net loans and leases to core deposits | 87.0869% | 2,238 |
| Total domestic deposits to total assets | 86.5700% | 2,101 |
| Equity capital to assets | 10.6186% | 1,859 |
| Core capital (leverage) ratio | 11.7703% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4841% | 964 |
| Memoranda: | ||
| Average total assets | $205,686,500 | 2,981 |
| Average earning assets | $196,217,500 | 2,940 |
| Average equity | $21,574,500 | 2,916 |
| Average total loans | $152,373,500 | 2,748 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 2,057 |
| Cost of funding earning assets | 0.9573% | 4,059 |
| Net interest margin | 4.5814% | 578 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 3.0605% | 1,050 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.3038% | 1,279 |
| Return on assets (ROA) | 1.3038% | 1,286 |
| Pretax return on assets | 1.6579% | 1,042 |
| Return on Equity (ROE) | 11.9300% | 1,632 |
| Retained earnings to average equity (ytd only) | -4.6244% | 4,277 |
| Net charge-offs to loans | -0.0234% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.1595% | 2,708 |
| Assets per employee ($millions) | 4.3254% | 3,991 |
| Cash dividends to net income (ytd only)* | 138.7787% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 3,653 |
| Loan loss allowance to noncurrent loans | 405.3412% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,618 |
| Noncurrent loans to loans | 0.2200% | 2,629 |
| Net loans and leases to total assets | 74.6700% | 1,323 |
| Net loans and leases to deposits | 86.0825% | 1,588 |
| Net loans and leases to core deposits | 90.4115% | 2,085 |
| Total domestic deposits to total assets | 86.7500% | 1,953 |
| Equity capital to assets | 10.3564% | 1,923 |
| Core capital (leverage) ratio | 11.6478% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8533% | 1,084 |
| Memoranda: | ||
| Average total assets | $193,435,400 | 3,040 |
| Average earning assets | $184,792,400 | 2,998 |
| Average equity | $21,148,800 | 2,887 |
| Average total loans | $149,857,600 | 2,733 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4488% | 2,173 |
| Cost of funding earning assets | 0.9292% | 4,101 |
| Net interest margin | 4.5196% | 628 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 3.0510% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3370% | 1,240 |
| Return on assets (ROA) | 1.3370% | 1,240 |
| Pretax return on assets | 1.6707% | 1,059 |
| Return on Equity (ROE) | 12.0600% | 1,601 |
| Retained earnings to average equity (ytd only) | -3.6839% | 4,290 |
| Net charge-offs to loans | -0.0242% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.6163% | 2,641 |
| Assets per employee ($millions) | 4.2718% | 4,019 |
| Cash dividends to net income (ytd only)* | 130.5483% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 3,852 |
| Loan loss allowance to noncurrent loans | 2,937.2093% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,613 |
| Noncurrent loans to loans | 0.0281% | 3,601 |
| Net loans and leases to total assets | 75.5200% | 1,190 |
| Net loans and leases to deposits | 87.7655% | 1,457 |
| Net loans and leases to core deposits | 92.1566% | 2,004 |
| Total domestic deposits to total assets | 86.0500% | 1,913 |
| Equity capital to assets | 10.9849% | 1,739 |
| Core capital (leverage) ratio | 12.2753% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1446% | 1,066 |
| Memoranda: | ||
| Average total assets | $190,970,750 | 3,050 |
| Average earning assets | $182,518,250 | 3,018 |
| Average equity | $21,172,500 | 2,886 |
| Average total loans | $149,028,250 | 2,735 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 2,168 |
| Cost of funding earning assets | 0.8731% | 4,129 |
| Net interest margin | 4.5126% | 613 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 3.0293% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3564% | 1,155 |
| Return on assets (ROA) | 1.3564% | 1,164 |
| Pretax return on assets | 1.7027% | 972 |
| Return on Equity (ROE) | 12.1900% | 1,564 |
| Retained earnings to average equity (ytd only) | -11.7538% | 4,456 |
| Net charge-offs to loans | -0.0366% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.0171% | 2,771 |
| Assets per employee ($millions) | 3.9693% | 4,133 |
| Cash dividends to net income (ytd only)* | 196.3865% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 3,832 |
| Loan loss allowance to noncurrent loans | 971.5385% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,211 |
| Noncurrent loans to loans | 0.0871% | 3,222 |
| Net loans and leases to total assets | 76.0700% | 1,169 |
| Net loans and leases to deposits | 89.6700% | 1,328 |
| Net loans and leases to core deposits | 94.1748% | 1,853 |
| Total domestic deposits to total assets | 84.8300% | 2,356 |
| Equity capital to assets | 10.6348% | 1,732 |
| Core capital (leverage) ratio | 12.2984% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0746% | 1,071 |
| Memoranda: | ||
| Average total assets | $187,702,667 | 3,075 |
| Average earning assets | $179,141,000 | 3,037 |
| Average equity | $20,878,333 | 2,877 |
| Average total loans | $147,740,333 | 2,740 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3005% | 2,189 |
| Cost of funding earning assets | 0.8289% | 4,146 |
| Net interest margin | 4.4716% | 602 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 3.0645% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2913% | 1,253 |
| Return on assets (ROA) | 1.2913% | 1,259 |
| Pretax return on assets | 1.5865% | 1,115 |
| Return on Equity (ROE) | 11.3500% | 1,752 |
| Retained earnings to average equity (ytd only) | -36.3281% | 4,502 |
| Net charge-offs to loans | -0.0163% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.8889% | 2,604 |
| Assets per employee ($millions) | 4.1968% | 4,083 |
| Cash dividends to net income (ytd only)* | 420.1681% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 3,873 |
| Loan loss allowance to noncurrent loans | 920.0000% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,162 |
| Noncurrent loans to loans | 0.0906% | 3,157 |
| Net loans and leases to total assets | 80.0000% | 620 |
| Net loans and leases to deposits | 96.1182% | 709 |
| Net loans and leases to core deposits | 101.4567% | 1,328 |
| Total domestic deposits to total assets | 83.2300% | 2,919 |
| Equity capital to assets | 10.8124% | 1,581 |
| Core capital (leverage) ratio | 12.3991% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7303% | 1,133 |
| Memoranda: | ||
| Average total assets | $184,307,000 | 3,108 |
| Average earning assets | $176,135,500 | 3,059 |
| Average equity | $20,975,500 | 2,884 |
| Average total loans | $147,007,500 | 2,744 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 2,157 |
| Cost of funding earning assets | 0.5717% | 4,111 |
| Net interest margin | 4.3857% | 716 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.9640% | 1,173 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3335% | 1,362 |
| Return on assets (ROA) | 1.2652% | 1,479 |
| Pretax return on assets | 1.4941% | 1,439 |
| Return on Equity (ROE) | 10.8300% | 2,273 |
| Retained earnings to average equity (ytd only) | 5.1776% | 2,542 |
| Net charge-offs to loans | 0.0590% | 1,265 |
| Credit loss provision to net charge-offs | 80.2469% | 2,020 |
| Earnings coverage of net charge-offs (x) | 36.2099% | 1,510 |
| Efficiency ratio | 64.7518% | 2,517 |
| Assets per employee ($millions) | 4.1808% | 4,092 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 3,846 |
| Loan loss allowance to noncurrent loans | 602.9268% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 2,794 |
| Noncurrent loans to loans | 0.1413% | 2,802 |
| Net loans and leases to total assets | 78.1800% | 851 |
| Net loans and leases to deposits | 92.1363% | 1,080 |
| Net loans and leases to core deposits | 97.3143% | 1,576 |
| Total domestic deposits to total assets | 84.8500% | 2,354 |
| Equity capital to assets | 11.9513% | 1,140 |
| Core capital (leverage) ratio | 13.1285% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2505% | 870 |
| Memoranda: | ||
| Average total assets | $181,784,000 | 3,110 |
| Average earning assets | $172,651,600 | 3,074 |
| Average equity | $21,245,200 | 2,753 |
| Average total loans | $137,211,400 | 2,796 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 2,201 |
| Cost of funding earning assets | 0.5252% | 4,094 |
| Net interest margin | 4.3060% | 800 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.9227% | 1,188 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2261% | 1,711 |
| Return on assets (ROA) | 1.2094% | 1,757 |
| Pretax return on assets | 1.4978% | 1,560 |
| Return on Equity (ROE) | 10.4100% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.4080% | 1,296 |
| Net charge-offs to loans | 0.0838% | 886 |
| Credit loss provision to net charge-offs | 76.4706% | 1,774 |
| Earnings coverage of net charge-offs (x) | 25.1176% | 1,693 |
| Efficiency ratio | 65.0458% | 2,382 |
| Assets per employee ($millions) | 4.2094% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 3,811 |
| Loan loss allowance to noncurrent loans | 1,062.0690% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,197 |
| Noncurrent loans to loans | 0.0825% | 3,172 |
| Net loans and leases to total assets | 75.2700% | 1,199 |
| Net loans and leases to deposits | 88.3221% | 1,357 |
| Net loans and leases to core deposits | 92.3931% | 1,769 |
| Total domestic deposits to total assets | 85.2200% | 2,435 |
| Equity capital to assets | 11.5446% | 1,168 |
| Core capital (leverage) ratio | 13.6067% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8594% | 833 |
| Memoranda: | ||
| Average total assets | $181,241,250 | 3,125 |
| Average earning assets | $171,879,250 | 3,085 |
| Average equity | $21,060,250 | 2,756 |
| Average total loans | $135,252,500 | 2,819 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 2,259 |
| Cost of funding earning assets | 0.4368% | 4,105 |
| Net interest margin | 4.2370% | 876 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.9658% | 1,093 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1657% | 1,930 |
| Return on assets (ROA) | 1.1405% | 1,997 |
| Pretax return on assets | 1.4095% | 1,791 |
| Return on Equity (ROE) | 9.7900% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.7933% | 1,471 |
| Net charge-offs to loans | 0.0120% | 1,746 |
| Credit loss provision to net charge-offs | 812.5000% | 474 |
| Earnings coverage of net charge-offs (x) | 170.8750% | 687 |
| Efficiency ratio | 66.1214% | 2,220 |
| Assets per employee ($millions) | 4.1307% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,619 |
| Loan loss allowance to noncurrent loans | 855.5556% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 2,947 |
| Noncurrent loans to loans | 0.1112% | 2,927 |
| Net loans and leases to total assets | 75.0200% | 1,160 |
| Net loans and leases to deposits | 88.2111% | 1,325 |
| Net loans and leases to core deposits | 92.1658% | 1,675 |
| Total domestic deposits to total assets | 85.0400% | 2,534 |
| Equity capital to assets | 11.7799% | 1,110 |
| Core capital (leverage) ratio | 13.5999% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9664% | 820 |
| Memoranda: | ||
| Average total assets | $179,917,667 | 3,137 |
| Average earning assets | $170,782,000 | 3,099 |
| Average equity | $20,953,000 | 2,775 |
| Average total loans | $133,455,333 | 2,832 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 2,133 |
| Cost of funding earning assets | 0.2991% | 4,195 |
| Net interest margin | 4.2813% | 833 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.8737% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3707% | 1,487 |
| Return on assets (ROA) | 1.3207% | 1,587 |
| Pretax return on assets | 1.6424% | 1,381 |
| Return on Equity (ROE) | 11.4100% | 2,371 |
| Retained earnings to average equity (ytd only) | 11.4068% | 1,376 |
| Net charge-offs to loans | 0.0183% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 127.1667% | 679 |
| Efficiency ratio | 62.7623% | 2,601 |
| Assets per employee ($millions) | 4.2472% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 3,757 |
| Loan loss allowance to noncurrent loans | 276.8889% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 1,681 |
| Noncurrent loans to loans | 0.3384% | 1,936 |
| Net loans and leases to total assets | 73.8500% | 1,222 |
| Net loans and leases to deposits | 84.8137% | 1,440 |
| Net loans and leases to core deposits | 87.9928% | 1,744 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 11.9305% | 1,016 |
| Core capital (leverage) ratio | 13.5306% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9885% | 848 |
| Memoranda: | ||
| Average total assets | $179,001,500 | 3,186 |
| Average earning assets | $169,853,500 | 3,145 |
| Average equity | $20,724,500 | 2,823 |
| Average total loans | $131,358,500 | 2,884 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 1,797 |
| Cost of funding earning assets | 0.1933% | 3,813 |
| Net interest margin | 3.7762% | 1,209 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.7712% | 1,377 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9318% | 2,840 |
| Return on assets (ROA) | 0.9304% | 2,789 |
| Pretax return on assets | 1.1339% | 2,659 |
| Return on Equity (ROE) | 8.1600% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.8316% | 3,125 |
| Net charge-offs to loans | 0.0853% | 813 |
| Credit loss provision to net charge-offs | 169.9029% | 1,215 |
| Earnings coverage of net charge-offs (x) | 22.0194% | 1,849 |
| Efficiency ratio | 69.2516% | 1,792 |
| Assets per employee ($millions) | 3.9916% | 4,286 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,161 |
| Loan loss allowance to noncurrent loans | 202.8614% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 1,243 |
| Noncurrent loans to loans | 0.5118% | 1,424 |
| Net loans and leases to total assets | 71.4700% | 1,474 |
| Net loans and leases to deposits | 80.8823% | 1,703 |
| Net loans and leases to core deposits | 82.6182% | 1,960 |
| Total domestic deposits to total assets | 88.3700% | 1,940 |
| Equity capital to assets | 11.2276% | 1,171 |
| Core capital (leverage) ratio | 12.7326% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7105% | 869 |
| Memoranda: | ||
| Average total assets | $184,324,200 | 3,151 |
| Average earning assets | $175,891,400 | 3,100 |
| Average equity | $21,007,600 | 2,857 |
| Average total loans | $120,781,000 | 2,910 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 1,758 |
| Cost of funding earning assets | 0.1942% | 3,343 |
| Net interest margin | 3.6076% | 1,372 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.7550% | 1,335 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8517% | 3,058 |
| Return on assets (ROA) | 0.8517% | 3,035 |
| Pretax return on assets | 1.0343% | 2,915 |
| Return on Equity (ROE) | 7.4500% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.4464% | 2,213 |
| Net charge-offs to loans | 0.0112% | 1,696 |
| Credit loss provision to net charge-offs | 750.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 151.4000% | 746 |
| Efficiency ratio | 71.6851% | 1,558 |
| Assets per employee ($millions) | 4.2296% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,189 |
| Loan loss allowance to noncurrent loans | 223.7062% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 1,477 |
| Noncurrent loans to loans | 0.4749% | 1,612 |
| Net loans and leases to total assets | 67.0600% | 1,775 |
| Net loans and leases to deposits | 75.2843% | 1,936 |
| Net loans and leases to core deposits | 76.9579% | 2,115 |
| Total domestic deposits to total assets | 89.0700% | 2,062 |
| Equity capital to assets | 10.6827% | 1,297 |
| Core capital (leverage) ratio | 12.5391% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8625% | 876 |
| Memoranda: | ||
| Average total assets | $185,500,250 | 3,171 |
| Average earning assets | $177,104,750 | 3,108 |
| Average equity | $21,217,750 | 2,876 |
| Average total loans | $118,544,000 | 2,942 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 1,865 |
| Cost of funding earning assets | 0.1940% | 2,988 |
| Net interest margin | 3.3991% | 1,609 |
| Noninterest income to average assets | 0.4069% | 2,710 |
| Noninterest expense to average assets | 2.7404% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7760% | 3,044 |
| Return on assets (ROA) | 0.7760% | 3,007 |
| Pretax return on assets | 0.9379% | 2,937 |
| Return on Equity (ROE) | 6.6379% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.6379% | 2,121 |
| Net charge-offs to loans | 0.0138% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 108.6250% | 781 |
| Efficiency ratio | 74.5012% | 1,456 |
| Assets per employee ($millions) | 4.3987% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,300 |
| Loan loss allowance to noncurrent loans | 235.0649% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,873 |
| Noncurrent loans to loans | 0.4531% | 1,761 |
| Net loans and leases to total assets | 62.2247% | 2,101 |
| Net loans and leases to deposits | 69.8694% | 2,217 |
| Net loans and leases to core deposits | 71.6534% | 2,368 |
| Total domestic deposits to total assets | 89.0587% | 2,158 |
| Equity capital to assets | 10.8266% | 1,295 |
| Core capital (leverage) ratio | 12.5379% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0841% | 837 |
| Memoranda: | ||
| Average total assets | $185,299,000 | 3,197 |
| Average earning assets | $178,341,000 | 3,145 |
| Average equity | $21,663,333 | 2,930 |
| Average total loans | $116,012,667 | 2,989 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 1,758 |
| Cost of funding earning assets | 0.2006% | 2,796 |
| Net interest margin | 3.3150% | 1,536 |
| Noninterest income to average assets | 0.3446% | 3,032 |
| Noninterest expense to average assets | 2.7136% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6980% | 3,063 |
| Return on assets (ROA) | 0.6980% | 3,053 |
| Pretax return on assets | 0.8398% | 2,976 |
| Return on Equity (ROE) | 5.7513% | 3,416 |
| Retained earnings to average equity (ytd only) | 5.7513% | 2,335 |
| Net charge-offs to loans | -0.0175% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3659% | 1,481 |
| Assets per employee ($millions) | 4.2866% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,239 |
| Loan loss allowance to noncurrent loans | 216.5821% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 1,835 |
| Noncurrent loans to loans | 0.5171% | 1,732 |
| Net loans and leases to total assets | 61.3114% | 1,932 |
| Net loans and leases to deposits | 69.4691% | 2,010 |
| Net loans and leases to core deposits | 71.4617% | 2,160 |
| Total domestic deposits to total assets | 88.2570% | 2,404 |
| Equity capital to assets | 11.6285% | 1,083 |
| Core capital (leverage) ratio | 12.5502% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1383% | 737 |
| Memoranda: | ||
| Average total assets | $183,376,000 | 3,223 |
| Average earning assets | $177,497,000 | 3,162 |
| Average equity | $22,256,000 | 2,966 |
| Average total loans | $114,538,000 | 3,006 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 1,903 |
| Cost of funding earning assets | 0.3160% | 2,236 |
| Net interest margin | 3.4728% | 1,817 |
| Noninterest income to average assets | 0.5278% | 2,455 |
| Noninterest expense to average assets | 2.7235% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9294% | 2,942 |
| Return on assets (ROA) | 0.9294% | 3,005 |
| Pretax return on assets | 1.1301% | 2,882 |
| Return on Equity (ROE) | 7.0968% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.0968% | 1,886 |
| Net charge-offs to loans | 0.0009% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,942.0000% | 69 |
| Efficiency ratio | 70.6735% | 1,660 |
| Assets per employee ($millions) | 4.6777% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,314 |
| Loan loss allowance to noncurrent loans | 242.3954% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 2,092 |
| Noncurrent loans to loans | 0.4582% | 1,987 |
| Net loans and leases to total assets | 62.2215% | 1,910 |
| Net loans and leases to deposits | 71.3442% | 1,976 |
| Net loans and leases to core deposits | 73.3354% | 2,131 |
| Total domestic deposits to total assets | 87.2131% | 2,429 |
| Equity capital to assets | 12.6504% | 1,016 |
| Core capital (leverage) ratio | 12.2013% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5586% | 812 |
| Memoranda: | ||
| Average total assets | $171,835,600 | 3,282 |
| Average earning assets | $164,563,800 | 3,232 |
| Average equity | $22,503,000 | 3,017 |
| Average total loans | $111,772,800 | 3,050 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 1,965 |
| Cost of funding earning assets | 0.3475% | 2,141 |
| Net interest margin | 3.4778% | 1,933 |
| Noninterest income to average assets | 0.5784% | 2,306 |
| Noninterest expense to average assets | 2.7559% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9449% | 3,105 |
| Return on assets (ROA) | 0.9449% | 3,184 |
| Pretax return on assets | 1.1506% | 3,077 |
| Return on Equity (ROE) | 7.1497% | 3,630 |
| Retained earnings to average equity (ytd only) | 7.1497% | 2,355 |
| Net charge-offs to loans | 0.0108% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 162.2222% | 637 |
| Efficiency ratio | 70.5467% | 1,546 |
| Assets per employee ($millions) | 4.4850% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,346 |
| Loan loss allowance to noncurrent loans | 302.3866% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,639 |
| Noncurrent loans to loans | 0.3704% | 2,454 |
| Net loans and leases to total assets | 60.8223% | 2,158 |
| Net loans and leases to deposits | 69.6963% | 2,272 |
| Net loans and leases to core deposits | 71.6322% | 2,456 |
| Total domestic deposits to total assets | 87.2676% | 2,236 |
| Equity capital to assets | 12.4627% | 1,191 |
| Core capital (leverage) ratio | 12.5305% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2585% | 919 |
| Memoranda: | ||
| Average total assets | $169,187,250 | 3,345 |
| Average earning assets | $161,898,000 | 3,286 |
| Average equity | $22,359,250 | 3,061 |
| Average total loans | $111,019,750 | 3,101 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 1,717 |
| Cost of funding earning assets | 0.4065% | 1,830 |
| Net interest margin | 3.5314% | 1,764 |
| Noninterest income to average assets | 0.4431% | 2,885 |
| Noninterest expense to average assets | 2.7561% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8631% | 3,321 |
| Return on assets (ROA) | 0.8631% | 3,399 |
| Pretax return on assets | 1.0396% | 3,355 |
| Return on Equity (ROE) | 6.3951% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.3951% | 2,661 |
| Net charge-offs to loans | 0.0218% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 71.1667% | 894 |
| Efficiency ratio | 72.6106% | 1,367 |
| Assets per employee ($millions) | 4.4226% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,323 |
| Loan loss allowance to noncurrent loans | 319.1919% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,780 |
| Noncurrent loans to loans | 0.3513% | 2,647 |
| Net loans and leases to total assets | 64.6144% | 1,878 |
| Net loans and leases to deposits | 74.4563% | 1,960 |
| Net loans and leases to core deposits | 76.7779% | 2,161 |
| Total domestic deposits to total assets | 86.7817% | 2,434 |
| Equity capital to assets | 13.0380% | 932 |
| Core capital (leverage) ratio | 12.9381% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0795% | 945 |
| Memoranda: | ||
| Average total assets | $164,288,000 | 3,392 |
| Average earning assets | $155,974,000 | 3,357 |
| Average equity | $22,173,333 | 3,073 |
| Average total loans | $110,323,000 | 3,122 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 1,634 |
| Cost of funding earning assets | 0.4214% | 1,928 |
| Net interest margin | 3.5653% | 1,667 |
| Noninterest income to average assets | 0.4320% | 2,919 |
| Noninterest expense to average assets | 2.7991% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8590% | 3,238 |
| Return on assets (ROA) | 0.8590% | 3,320 |
| Pretax return on assets | 1.0338% | 3,280 |
| Return on Equity (ROE) | 6.2500% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.2500% | 2,810 |
| Net charge-offs to loans | 0.0513% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.5714% | 1,100 |
| Efficiency ratio | 73.0293% | 1,403 |
| Assets per employee ($millions) | 4.0759% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,245 |
| Loan loss allowance to noncurrent loans | 308.5575% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 2,881 |
| Noncurrent loans to loans | 0.3697% | 2,764 |
| Net loans and leases to total assets | 67.0876% | 1,649 |
| Net loans and leases to deposits | 77.7731% | 1,743 |
| Net loans and leases to core deposits | 80.2325% | 1,983 |
| Total domestic deposits to total assets | 86.2607% | 2,643 |
| Equity capital to assets | 13.5326% | 780 |
| Core capital (leverage) ratio | 13.5096% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8652% | 806 |
| Memoranda: | ||
| Average total assets | $160,192,000 | 3,431 |
| Average earning assets | $152,807,500 | 3,388 |
| Average equity | $22,016,000 | 3,077 |
| Average total loans | $109,129,000 | 3,142 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 1,461 |
| Cost of funding earning assets | 0.5060% | 2,915 |
| Net interest margin | 3.9338% | 1,130 |
| Noninterest income to average assets | 0.3984% | 3,098 |
| Noninterest expense to average assets | 2.9823% | 1,472 |
| Loan and lease loss provision to assets | 0.0133% | 4,205 |
| Net operating income to assets | 0.9660% | 2,415 |
| Return on assets (ROA) | 0.9857% | 2,486 |
| Pretax return on assets | 1.1985% | 2,329 |
| Return on Equity (ROE) | 6.7721% | 3,294 |
| Retained earnings to average equity (ytd only) | -2.3980% | 4,735 |
| Net charge-offs to loans | 0.0019% | 3,340 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 890.0000% | 135 |
| Efficiency ratio | 71.5154% | 1,744 |
| Assets per employee ($millions) | 4.9171% | 3,486 |
| Cash dividends to net income (ytd only)* | 135.4096% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,025 |
| Loan loss allowance to noncurrent loans | 344.8649% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,113 |
| Noncurrent loans to loans | 0.3438% | 2,974 |
| Net loans and leases to total assets | 67.5846% | 1,876 |
| Net loans and leases to deposits | 78.8059% | 1,994 |
| Net loans and leases to core deposits | 81.1903% | 2,258 |
| Total domestic deposits to total assets | 85.7609% | 2,470 |
| Equity capital to assets | 13.9620% | 812 |
| Core capital (leverage) ratio | 13.3558% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5506% | 708 |
| Memoranda: | ||
| Average total assets | $149,849,400 | 3,407 |
| Average earning assets | $143,678,400 | 3,339 |
| Average equity | $21,810,000 | 3,027 |
| Average total loans | $106,930,200 | 3,141 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 1,538 |
| Cost of funding earning assets | 0.5214% | 3,102 |
| Net interest margin | 3.9905% | 1,135 |
| Noninterest income to average assets | 0.3226% | 3,554 |
| Noninterest expense to average assets | 3.0040% | 1,439 |
| Loan and lease loss provision to assets | 0.0182% | 4,104 |
| Net operating income to assets | 0.9399% | 2,563 |
| Return on assets (ROA) | 0.9668% | 2,596 |
| Pretax return on assets | 1.1668% | 2,501 |
| Return on Equity (ROE) | 6.5715% | 3,354 |
| Retained earnings to average equity (ytd only) | -5.6773% | 4,858 |
| Net charge-offs to loans | 0.0037% | 3,028 |
| Credit loss provision to net charge-offs | 666.6667% | 1,100 |
| Earnings coverage of net charge-offs (x) | 426.3333% | 269 |
| Efficiency ratio | 72.2740% | 1,613 |
| Assets per employee ($millions) | 4.9913% | 3,260 |
| Cash dividends to net income (ytd only)* | 186.3933% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,700 |
| Loan loss allowance to noncurrent loans | 439.6552% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,495 |
| Noncurrent loans to loans | 0.2715% | 3,321 |
| Net loans and leases to total assets | 68.2003% | 2,210 |
| Net loans and leases to deposits | 79.5302% | 2,370 |
| Net loans and leases to core deposits | 81.9748% | 2,666 |
| Total domestic deposits to total assets | 85.7540% | 2,162 |
| Equity capital to assets | 13.9384% | 874 |
| Core capital (leverage) ratio | 13.5262% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3473% | 750 |
| Memoranda: | ||
| Average total assets | $147,974,750 | 3,417 |
| Average earning assets | $142,167,500 | 3,343 |
| Average equity | $21,770,250 | 3,020 |
| Average total loans | $106,758,000 | 3,143 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,552 |
| Cost of funding earning assets | 0.5425% | 3,280 |
| Net interest margin | 4.1014% | 1,110 |
| Noninterest income to average assets | 0.3006% | 3,668 |
| Noninterest expense to average assets | 3.1169% | 1,319 |
| Loan and lease loss provision to assets | 0.0274% | 3,909 |
| Net operating income to assets | 0.9156% | 2,636 |
| Return on assets (ROA) | 0.9566% | 2,598 |
| Pretax return on assets | 1.1488% | 2,553 |
| Return on Equity (ROE) | 6.3834% | 3,368 |
| Retained earnings to average equity (ytd only) | -11.9333% | 4,946 |
| Net charge-offs to loans | -0.0037% | 3,927 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4476% | 1,514 |
| Assets per employee ($millions) | 4.7617% | 3,455 |
| Cash dividends to net income (ytd only)* | 286.9440% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,519 |
| Loan loss allowance to noncurrent loans | 315.2709% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,001 |
| Noncurrent loans to loans | 0.3806% | 3,049 |
| Net loans and leases to total assets | 69.1728% | 2,162 |
| Net loans and leases to deposits | 80.4989% | 2,368 |
| Net loans and leases to core deposits | 82.9930% | 2,692 |
| Total domestic deposits to total assets | 85.9301% | 2,039 |
| Equity capital to assets | 13.8454% | 891 |
| Core capital (leverage) ratio | 13.7531% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4216% | 725 |
| Memoranda: | ||
| Average total assets | $145,722,667 | 3,422 |
| Average earning assets | $140,097,333 | 3,344 |
| Average equity | $21,838,000 | 3,003 |
| Average total loans | $106,743,333 | 3,143 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,255 |
| Cost of funding earning assets | 0.5592% | 3,646 |
| Net interest margin | 4.3165% | 735 |
| Noninterest income to average assets | 0.3062% | 3,683 |
| Noninterest expense to average assets | 3.1068% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1240% | 1,772 |
| Return on assets (ROA) | 1.2079% | 1,603 |
| Pretax return on assets | 1.4635% | 1,403 |
| Return on Equity (ROE) | 7.7448% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.7448% | 1,308 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5160% | 2,422 |
| Assets per employee ($millions) | 4.5008% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,789 |
| Loan loss allowance to noncurrent loans | 459.1241% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,434 |
| Noncurrent loans to loans | 0.2564% | 3,575 |
| Net loans and leases to total assets | 73.3317% | 1,722 |
| Net loans and leases to deposits | 87.0636% | 1,861 |
| Net loans and leases to core deposits | 89.9687% | 2,349 |
| Total domestic deposits to total assets | 84.2277% | 2,702 |
| Equity capital to assets | 15.6105% | 652 |
| Core capital (leverage) ratio | 15.5267% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5839% | 592 |
| Memoranda: | ||
| Average total assets | $142,396,500 | 3,433 |
| Average earning assets | $137,334,500 | 3,351 |
| Average equity | $22,208,500 | 2,983 |
| Average total loans | $106,774,000 | 3,126 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0695% | 1,291 |
| Cost of funding earning assets | 0.5060% | 4,065 |
| Net interest margin | 4.5635% | 619 |
| Noninterest income to average assets | 0.3976% | 3,306 |
| Noninterest expense to average assets | 3.3497% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1792% | 2,135 |
| Return on assets (ROA) | 1.2014% | 2,153 |
| Pretax return on assets | 1.4610% | 1,930 |
| Return on Equity (ROE) | 7.7900% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.5442% | 2,686 |
| Net charge-offs to loans | 0.0467% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 40.9184% | 1,298 |
| Efficiency ratio | 70.0254% | 2,169 |
| Assets per employee ($millions) | 4.3990% | 3,371 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,553 |
| Loan loss allowance to noncurrent loans | 474.7170% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,414 |
| Noncurrent loans to loans | 0.2484% | 3,561 |
| Net loans and leases to total assets | 74.8863% | 1,606 |
| Net loans and leases to deposits | 88.8267% | 1,729 |
| Net loans and leases to core deposits | 91.9018% | 2,239 |
| Total domestic deposits to total assets | 84.3061% | 2,749 |
| Equity capital to assets | 15.5817% | 676 |
| Core capital (leverage) ratio | 15.3319% | 618 |
| Tier 1 risk-based capital ratio | 21.1214% | 1,146 |
| Total risk-based capital ratio | 22.3521% | 1,122 |
| Memoranda: | ||
| Average total assets | $139,832,600 | 3,436 |
| Average earning assets | $134,392,800 | 3,361 |
| Average equity | $21,566,000 | 2,998 |
| Average total loans | $104,915,600 | 3,154 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 1,265 |
| Cost of funding earning assets | 0.4962% | 4,154 |
| Net interest margin | 4.6148% | 600 |
| Noninterest income to average assets | 0.3333% | 3,748 |
| Noninterest expense to average assets | 3.3600% | 1,159 |
| Loan and lease loss provision to assets | 0.0287% | 3,332 |
| Net operating income to assets | 1.1355% | 2,431 |
| Return on assets (ROA) | 1.1652% | 2,407 |
| Pretax return on assets | 1.4135% | 2,252 |
| Return on Equity (ROE) | 7.5749% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.5749% | 1,588 |
| Net charge-offs to loans | 0.0600% | 1,960 |
| Credit loss provision to net charge-offs | 63.8298% | 2,678 |
| Earnings coverage of net charge-offs (x) | 31.3167% | 1,585 |
| Efficiency ratio | 70.5010% | 2,052 |
| Assets per employee ($millions) | 4.3674% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,368 |
| Loan loss allowance to noncurrent loans | 204.9206% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 2,462 |
| Noncurrent loans to loans | 0.5981% | 2,489 |
| Net loans and leases to total assets | 74.4469% | 1,723 |
| Net loans and leases to deposits | 88.7066% | 1,839 |
| Net loans and leases to core deposits | 91.1763% | 2,446 |
| Total domestic deposits to total assets | 83.9248% | 2,850 |
| Equity capital to assets | 15.8906% | 655 |
| Core capital (leverage) ratio | 15.4402% | 655 |
| Tier 1 risk-based capital ratio | 21.7598% | 1,100 |
| Total risk-based capital ratio | 23.0098% | 1,073 |
| Memoranda: | ||
| Average total assets | $139,598,750 | 3,477 |
| Average earning assets | $134,085,750 | 3,398 |
| Average equity | $21,474,000 | 3,026 |
| Average total loans | $104,476,000 | 3,199 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 1,322 |
| Cost of funding earning assets | 0.4832% | 4,192 |
| Net interest margin | 4.5758% | 651 |
| Noninterest income to average assets | 0.3354% | 3,692 |
| Noninterest expense to average assets | 2.9625% | 2,103 |
| Loan and lease loss provision to assets | 0.0430% | 2,962 |
| Net operating income to assets | 1.4263% | 1,354 |
| Return on assets (ROA) | 1.4275% | 1,403 |
| Pretax return on assets | 1.7285% | 1,218 |
| Return on Equity (ROE) | 9.3832% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.3832% | 941 |
| Net charge-offs to loans | 0.0864% | 1,500 |
| Credit loss provision to net charge-offs | 66.6667% | 2,348 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,540 |
| Efficiency ratio | 62.5984% | 3,339 |
| Assets per employee ($millions) | 4.6005% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,348 |
| Loan loss allowance to noncurrent loans | 339.3701% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,492 |
| Noncurrent loans to loans | 0.3632% | 3,227 |
| Net loans and leases to total assets | 72.6414% | 2,126 |
| Net loans and leases to deposits | 85.9030% | 2,264 |
| Net loans and leases to core deposits | 88.2941% | 2,767 |
| Total domestic deposits to total assets | 84.5621% | 2,662 |
| Equity capital to assets | 15.3761% | 731 |
| Core capital (leverage) ratio | 15.2057% | 667 |
| Tier 1 risk-based capital ratio | 21.6887% | 1,094 |
| Total risk-based capital ratio | 22.9385% | 1,071 |
| Memoranda: | ||
| Average total assets | $139,546,330 | 3,499 |
| Average earning assets | $134,098,000 | 3,422 |
| Average equity | $21,229,330 | 3,044 |
| Average total loans | $104,189,670 | 3,223 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 1,259 |
| Cost of funding earning assets | 0.4802% | 4,152 |
| Net interest margin | 4.5516% | 673 |
| Noninterest income to average assets | 0.2811% | 4,002 |
| Noninterest expense to average assets | 2.8375% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4526% | 1,223 |
| Return on assets (ROA) | 1.4550% | 1,247 |
| Pretax return on assets | 1.8143% | 953 |
| Return on Equity (ROE) | 9.6171% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.6171% | 1,129 |
| Net charge-offs to loans | 0.0462% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 52.0833% | 998 |
| Efficiency ratio | 61.0349% | 3,677 |
| Assets per employee ($millions) | 4.5367% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,305 |
| Loan loss allowance to noncurrent loans | 353.8251% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 3,573 |
| Noncurrent loans to loans | 0.3541% | 3,311 |
| Net loans and leases to total assets | 72.5757% | 2,062 |
| Net loans and leases to deposits | 85.6700% | 2,172 |
| Net loans and leases to core deposits | 87.8867% | 2,700 |
| Total domestic deposits to total assets | 84.7154% | 2,780 |
| Equity capital to assets | 15.1104% | 735 |
| Core capital (leverage) ratio | 15.2346% | 649 |
| Tier 1 risk-based capital ratio | 21.4855% | 1,110 |
| Total risk-based capital ratio | 22.7363% | 1,090 |
| Memoranda: | ||
| Average total assets | $138,011,000 | 3,560 |
| Average earning assets | $132,436,500 | 3,477 |
| Average equity | $20,879,500 | 3,079 |
| Average total loans | $103,838,500 | 3,257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 1,223 |
| Cost of funding earning assets | 0.4442% | 3,714 |
| Net interest margin | 4.4792% | 796 |
| Noninterest income to average assets | 0.3520% | 3,750 |
| Noninterest expense to average assets | 2.7272% | 2,938 |
| Loan and lease loss provision to assets | 0.1058% | 2,084 |
| Net operating income to assets | 1.4658% | 1,216 |
| Return on assets (ROA) | 1.4652% | 1,213 |
| Pretax return on assets | 1.8003% | 918 |
| Return on Equity (ROE) | 10.3641% | 2,363 |
| Retained earnings to average equity (ytd only) | 6.8711% | 1,726 |
| Net charge-offs to loans | 0.0135% | 3,227 |
| Credit loss provision to net charge-offs | 1,071.4286% | 363 |
| Earnings coverage of net charge-offs (x) | 193.0714% | 466 |
| Efficiency ratio | 58.8522% | 4,030 |
| Assets per employee ($millions) | 4.3672% | 3,353 |
| Cash dividends to net income (ytd only)* | 33.7025% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,282 |
| Loan loss allowance to noncurrent loans | 643.8424% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,082 |
| Noncurrent loans to loans | 0.1946% | 3,880 |
| Net loans and leases to total assets | 76.0843% | 1,598 |
| Net loans and leases to deposits | 89.7554% | 1,830 |
| Net loans and leases to core deposits | 92.0847% | 2,397 |
| Total domestic deposits to total assets | 84.7685% | 2,740 |
| Equity capital to assets | 15.1480% | 680 |
| Core capital (leverage) ratio | 15.1693% | 657 |
| Tier 1 risk-based capital ratio | 21.1264% | 1,141 |
| Total risk-based capital ratio | 22.3770% | 1,127 |
| Memoranda: | ||
| Average total assets | $141,755,600 | 3,479 |
| Average earning assets | $135,514,000 | 3,419 |
| Average equity | $20,040,400 | 3,088 |
| Average total loans | $103,897,800 | 3,232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 1,193 |
| Cost of funding earning assets | 0.4495% | 3,526 |
| Net interest margin | 4.4374% | 833 |
| Noninterest income to average assets | 0.2976% | 4,161 |
| Noninterest expense to average assets | 2.6397% | 3,158 |
| Loan and lease loss provision to assets | 0.0698% | 2,573 |
| Net operating income to assets | 1.4763% | 1,256 |
| Return on assets (ROA) | 1.4770% | 1,254 |
| Pretax return on assets | 1.8221% | 960 |
| Return on Equity (ROE) | 10.6270% | 2,337 |
| Retained earnings to average equity (ytd only) | 10.6270% | 740 |
| Net charge-offs to loans | 0.0128% | 2,965 |
| Credit loss provision to net charge-offs | 750.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 203.3458% | 435 |
| Efficiency ratio | 58.2632% | 4,077 |
| Assets per employee ($millions) | 4.3421% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,696 |
| Loan loss allowance to noncurrent loans | 382.6625% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,758 |
| Noncurrent loans to loans | 0.3103% | 3,558 |
| Net loans and leases to total assets | 76.4242% | 1,597 |
| Net loans and leases to deposits | 90.3407% | 1,849 |
| Net loans and leases to core deposits | 93.1473% | 2,380 |
| Total domestic deposits to total assets | 84.5956% | 2,762 |
| Equity capital to assets | 15.2811% | 663 |
| Core capital (leverage) ratio | 15.1597% | 665 |
| Tier 1 risk-based capital ratio | 21.4400% | 1,125 |
| Total risk-based capital ratio | 22.6902% | 1,109 |
| Memoranda: | ||
| Average total assets | $143,348,500 | 3,501 |
| Average earning assets | $136,744,500 | 3,443 |
| Average equity | $19,923,500 | 3,116 |
| Average total loans | $103,794,000 | 3,262 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,260 |
| Cost of funding earning assets | 0.4476% | 3,374 |
| Net interest margin | 4.3486% | 940 |
| Noninterest income to average assets | 0.2913% | 4,230 |
| Noninterest expense to average assets | 2.6076% | 3,303 |
| Loan and lease loss provision to assets | 0.1026% | 1,893 |
| Net operating income to assets | 1.4141% | 1,382 |
| Return on assets (ROA) | 1.4153% | 1,383 |
| Pretax return on assets | 1.7270% | 1,149 |
| Return on Equity (ROE) | 10.5032% | 2,329 |
| Retained earnings to average equity (ytd only) | 10.5032% | 791 |
| Net charge-offs to loans | 0.0039% | 3,041 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 668.5000% | 123 |
| Efficiency ratio | 58.7855% | 4,118 |
| Assets per employee ($millions) | 4.5549% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,776 |
| Loan loss allowance to noncurrent loans | 416.0535% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,944 |
| Noncurrent loans to loans | 0.2865% | 3,674 |
| Net loans and leases to total assets | 73.0193% | 2,109 |
| Net loans and leases to deposits | 85.1789% | 2,411 |
| Net loans and leases to core deposits | 87.6563% | 2,752 |
| Total domestic deposits to total assets | 85.7246% | 2,402 |
| Equity capital to assets | 14.2407% | 871 |
| Core capital (leverage) ratio | 14.5949% | 753 |
| Tier 1 risk-based capital ratio | 20.6730% | 1,223 |
| Total risk-based capital ratio | 21.9226% | 1,197 |
| Memoranda: | ||
| Average total assets | $146,263,330 | 3,486 |
| Average earning assets | $139,400,000 | 3,416 |
| Average equity | $19,708,330 | 3,155 |
| Average total loans | $103,690,000 | 3,270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 1,132 |
| Cost of funding earning assets | 0.4569% | 3,150 |
| Net interest margin | 4.3183% | 924 |
| Noninterest income to average assets | 0.2742% | 4,338 |
| Noninterest expense to average assets | 2.5539% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5135% | 1,052 |
| Return on assets (ROA) | 1.5135% | 1,051 |
| Pretax return on assets | 1.8361% | 845 |
| Return on Equity (ROE) | 11.5437% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.5437% | 780 |
| Net charge-offs to loans | 0.0851% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 31.0455% | 1,218 |
| Efficiency ratio | 58.1751% | 4,315 |
| Assets per employee ($millions) | 4.5297% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,289 |
| Loan loss allowance to noncurrent loans | 433.5849% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,141 |
| Noncurrent loans to loans | 0.2573% | 3,835 |
| Net loans and leases to total assets | 72.5399% | 2,084 |
| Net loans and leases to deposits | 84.5847% | 2,332 |
| Net loans and leases to core deposits | 87.0526% | 2,713 |
| Total domestic deposits to total assets | 85.7601% | 2,650 |
| Equity capital to assets | 14.0327% | 885 |
| Core capital (leverage) ratio | 12.7717% | 1,261 |
| Tier 1 risk-based capital ratio | 20.6637% | 1,250 |
| Total risk-based capital ratio | 21.8631% | 1,234 |
| Memoranda: | ||
| Average total assets | $148,794,500 | 3,483 |
| Average earning assets | $141,813,500 | 3,428 |
| Average equity | $19,508,500 | 3,199 |
| Average total loans | $103,361,000 | 3,300 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,297 |
| Cost of funding earning assets | 0.5428% | 2,008 |
| Net interest margin | 4.1112% | 1,401 |
| Noninterest income to average assets | 0.3171% | 4,194 |
| Noninterest expense to average assets | 2.7053% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0195% | 2,158 |
| Return on assets (ROA) | 1.0195% | 2,194 |
| Pretax return on assets | 1.5473% | 1,460 |
| Return on Equity (ROE) | 7.7066% | 2,946 |
| Retained earnings to average equity (ytd only) | 3.0672% | 3,464 |
| Net charge-offs to loans | 0.0788% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 28.3625% | 1,605 |
| Efficiency ratio | 63.6145% | 3,662 |
| Assets per employee ($millions) | 5.0699% | 2,397 |
| Cash dividends to net income (ytd only)* | 60.2007% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,192 |
| Loan loss allowance to noncurrent loans | 313.9410% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 3,956 |
| Noncurrent loans to loans | 0.3597% | 3,482 |
| Net loans and leases to total assets | 65.2427% | 3,195 |
| Net loans and leases to deposits | 74.4149% | 3,487 |
| Net loans and leases to core deposits | 76.4545% | 3,705 |
| Total domestic deposits to total assets | 87.6743% | 1,667 |
| Equity capital to assets | 12.2876% | 1,646 |
| Core capital (leverage) ratio | 12.2458% | 1,473 |
| Tier 1 risk-based capital ratio | 19.4145% | 1,433 |
| Total risk-based capital ratio | 20.5966% | 1,417 |
| Memoranda: | ||
| Average total assets | $146,638,800 | 3,513 |
| Average earning assets | $140,374,200 | 3,446 |
| Average equity | $19,399,000 | 3,206 |
| Average total loans | $101,474,000 | 3,326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,190 |
| Cost of funding earning assets | 0.5657% | 1,771 |
| Net interest margin | 4.1111% | 1,367 |
| Noninterest income to average assets | 0.2852% | 4,488 |
| Noninterest expense to average assets | 2.6683% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0851% | 2,150 |
| Return on assets (ROA) | 1.0851% | 2,210 |
| Pretax return on assets | 1.5462% | 1,593 |
| Return on Equity (ROE) | 8.0462% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.0462% | 1,204 |
| Net charge-offs to loans | 0.0595% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.1102% | 1,378 |
| Efficiency ratio | 63.3128% | 3,667 |
| Assets per employee ($millions) | 5.1249% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,025 |
| Loan loss allowance to noncurrent loans | 358.9286% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,036 |
| Noncurrent loans to loans | 0.3297% | 3,769 |
| Net loans and leases to total assets | 63.3917% | 3,507 |
| Net loans and leases to deposits | 72.6091% | 3,710 |
| Net loans and leases to core deposits | 74.8736% | 3,898 |
| Total domestic deposits to total assets | 87.3054% | 1,727 |
| Equity capital to assets | 12.6127% | 1,601 |
| Core capital (leverage) ratio | 13.4523% | 1,038 |
| Tier 1 risk-based capital ratio | 19.9178% | 1,372 |
| Total risk-based capital ratio | 21.1296% | 1,349 |
| Memoranda: | ||
| Average total assets | $144,006,750 | 3,582 |
| Average earning assets | $137,640,500 | 3,514 |
| Average equity | $19,420,750 | 3,233 |
| Average total loans | $100,914,750 | 3,367 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 938 |
| Cost of funding earning assets | 0.6010% | 1,443 |
| Net interest margin | 4.1632% | 1,161 |
| Noninterest income to average assets | 0.2949% | 4,432 |
| Noninterest expense to average assets | 2.7227% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0817% | 2,077 |
| Return on assets (ROA) | 1.0787% | 2,135 |
| Pretax return on assets | 1.5534% | 1,485 |
| Return on Equity (ROE) | 7.8064% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.8064% | 1,236 |
| Net charge-offs to loans | 0.0199% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 108.3000% | 618 |
| Efficiency ratio | 63.6089% | 3,740 |
| Assets per employee ($millions) | 4.9134% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,917 |
| Loan loss allowance to noncurrent loans | 399.0354% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,060 |
| Noncurrent loans to loans | 0.3049% | 3,947 |
| Net loans and leases to total assets | 70.7130% | 2,412 |
| Net loans and leases to deposits | 85.6598% | 2,264 |
| Net loans and leases to core deposits | 89.2969% | 2,587 |
| Total domestic deposits to total assets | 82.5511% | 3,703 |
| Equity capital to assets | 13.8017% | 1,041 |
| Core capital (leverage) ratio | 13.8948% | 890 |
| Tier 1 risk-based capital ratio | 20.1113% | 1,349 |
| Total risk-based capital ratio | 21.3615% | 1,315 |
| Memoranda: | ||
| Average total assets | $139,052,000 | 3,682 |
| Average earning assets | $133,117,670 | 3,605 |
| Average equity | $19,215,000 | 3,251 |
| Average total loans | $100,580,670 | 3,389 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 831 |
| Cost of funding earning assets | 0.6068% | 1,329 |
| Net interest margin | 4.1504% | 1,094 |
| Noninterest income to average assets | 0.2825% | 4,527 |
| Noninterest expense to average assets | 2.7903% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0981% | 1,882 |
| Return on assets (ROA) | 1.0981% | 1,923 |
| Pretax return on assets | 1.4767% | 1,617 |
| Return on Equity (ROE) | 7.9412% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.9412% | 1,487 |
| Net charge-offs to loans | 0.0040% | 2,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 110 |
| Efficiency ratio | 65.3925% | 3,593 |
| Assets per employee ($millions) | 4.7971% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,854 |
| Loan loss allowance to noncurrent loans | 302.6634% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 4,008 |
| Noncurrent loans to loans | 0.4116% | 3,617 |
| Net loans and leases to total assets | 71.2249% | 2,181 |
| Net loans and leases to deposits | 86.5357% | 1,971 |
| Net loans and leases to core deposits | 90.0364% | 2,339 |
| Total domestic deposits to total assets | 82.3070% | 4,083 |
| Equity capital to assets | 13.8035% | 972 |
| Core capital (leverage) ratio | 13.9226% | 868 |
| Tier 1 risk-based capital ratio | 19.9876% | 1,394 |
| Total risk-based capital ratio | 21.2376% | 1,365 |
| Memoranda: | ||
| Average total assets | $137,333,000 | 3,732 |
| Average earning assets | $131,841,500 | 3,648 |
| Average equity | $18,989,500 | 3,291 |
| Average total loans | $99,871,000 | 3,421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 676 |
| Cost of funding earning assets | 0.6397% | 1,112 |
| Net interest margin | 4.2966% | 937 |
| Noninterest income to average assets | 0.4124% | 3,793 |
| Noninterest expense to average assets | 2.9276% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1432% | 1,720 |
| Return on assets (ROA) | 1.1437% | 1,810 |
| Pretax return on assets | 1.6074% | 1,258 |
| Return on Equity (ROE) | 8.0527% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.0715% | 3,021 |
| Net charge-offs to loans | -0.0481% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5660% | 3,843 |
| Assets per employee ($millions) | 4.6741% | 2,837 |
| Cash dividends to net income (ytd only)* | 49.4397% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,766 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 4,043 |
| Noncurrent loans to loans | 0.4195% | 3,640 |
| Net loans and leases to total assets | 72.4129% | 2,109 |
| Net loans and leases to deposits | 87.9675% | 1,931 |
| Net loans and leases to core deposits | 92.0779% | 2,294 |
| Total domestic deposits to total assets | 82.3178% | 3,985 |
| Equity capital to assets | 13.8518% | 938 |
| Core capital (leverage) ratio | 13.9541% | 827 |
| Tier 1 risk-based capital ratio | 19.4876% | 1,480 |
| Total risk-based capital ratio | 20.7373% | 1,443 |
| Memoranda: | ||
| Average total assets | $132,634,000 | 3,790 |
| Average earning assets | $127,241,000 | 3,697 |
| Average equity | $18,838,400 | 3,291 |
| Average total loans | $97,781,400 | 3,427 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 665 |
| Cost of funding earning assets | 0.6438% | 1,083 |
| Net interest margin | 4.3004% | 927 |
| Noninterest income to average assets | 0.3720% | 4,116 |
| Noninterest expense to average assets | 2.9071% | 2,624 |
| Loan and lease loss provision to assets | 0.0606% | 3,034 |
| Net operating income to assets | 1.0697% | 2,124 |
| Return on assets (ROA) | 1.0704% | 2,229 |
| Pretax return on assets | 1.5303% | 1,609 |
| Return on Equity (ROE) | 7.4889% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,409 |
| Net charge-offs to loans | -0.0945% | 5,554 |
| Credit loss provision to net charge-offs | -86.9565% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6437% | 3,831 |
| Assets per employee ($millions) | 4.5331% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,386 |
| Loan loss allowance to noncurrent loans | 249.1589% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 3,717 |
| Noncurrent loans to loans | 0.5460% | 3,359 |
| Net loans and leases to total assets | 73.5241% | 1,947 |
| Net loans and leases to deposits | 90.4915% | 1,695 |
| Net loans and leases to core deposits | 94.4809% | 2,150 |
| Total domestic deposits to total assets | 81.2497% | 4,182 |
| Equity capital to assets | 14.7582% | 798 |
| Core capital (leverage) ratio | 14.3434% | 765 |
| Tier 1 risk-based capital ratio | 20.1068% | 1,428 |
| Total risk-based capital ratio | 21.3583% | 1,387 |
| Memoranda: | ||
| Average total assets | $131,905,250 | 3,822 |
| Average earning assets | $126,529,000 | 3,730 |
| Average equity | $18,854,000 | 3,313 |
| Average total loans | $97,375,250 | 3,443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 661 |
| Cost of funding earning assets | 0.6468% | 1,064 |
| Net interest margin | 4.2892% | 941 |
| Noninterest income to average assets | 0.3756% | 4,063 |
| Noninterest expense to average assets | 2.9367% | 2,561 |
| Loan and lease loss provision to assets | 0.0909% | 2,330 |
| Net operating income to assets | 0.9668% | 2,540 |
| Return on assets (ROA) | 0.9678% | 2,680 |
| Pretax return on assets | 1.4676% | 1,782 |
| Return on Equity (ROE) | 6.8446% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.8446% | 1,694 |
| Net charge-offs to loans | -0.0370% | 5,235 |
| Credit loss provision to net charge-offs | -333.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3522% | 3,784 |
| Assets per employee ($millions) | 4.2742% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,659 |
| Loan loss allowance to noncurrent loans | 179.8036% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 3,191 |
| Noncurrent loans to loans | 0.7356% | 2,900 |
| Net loans and leases to total assets | 72.1859% | 2,135 |
| Net loans and leases to deposits | 88.2605% | 1,957 |
| Net loans and leases to core deposits | 92.0825% | 2,346 |
| Total domestic deposits to total assets | 81.7873% | 4,062 |
| Equity capital to assets | 14.3531% | 915 |
| Core capital (leverage) ratio | 14.0525% | 808 |
| Tier 1 risk-based capital ratio | 19.5787% | 1,545 |
| Total risk-based capital ratio | 20.8291% | 1,507 |
| Memoranda: | ||
| Average total assets | $132,054,000 | 3,845 |
| Average earning assets | $126,783,670 | 3,744 |
| Average equity | $18,671,670 | 3,342 |
| Average total loans | $97,171,330 | 3,456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 648 |
| Cost of funding earning assets | 0.6539% | 1,031 |
| Net interest margin | 4.2883% | 949 |
| Noninterest income to average assets | 0.4187% | 3,691 |
| Noninterest expense to average assets | 2.7854% | 3,130 |
| Loan and lease loss provision to assets | 0.1821% | 1,105 |
| Net operating income to assets | 1.1560% | 1,688 |
| Return on assets (ROA) | 1.1560% | 1,807 |
| Pretax return on assets | 1.5505% | 1,435 |
| Return on Equity (ROE) | 8.2385% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.2385% | 1,360 |
| Net charge-offs to loans | -0.0041% | 4,238 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6521% | 4,496 |
| Assets per employee ($millions) | 4.3960% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,982 |
| Loan loss allowance to noncurrent loans | 281.7372% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 3,457 |
| Noncurrent loans to loans | 0.4562% | 3,810 |
| Net loans and leases to total assets | 73.6766% | 1,781 |
| Net loans and leases to deposits | 90.1378% | 1,563 |
| Net loans and leases to core deposits | 94.6381% | 1,929 |
| Total domestic deposits to total assets | 81.7378% | 4,299 |
| Equity capital to assets | 14.2009% | 916 |
| Core capital (leverage) ratio | 13.8022% | 863 |
| Tier 1 risk-based capital ratio | 18.9821% | 1,742 |
| Total risk-based capital ratio | 20.2324% | 1,702 |
| Memoranda: | ||
| Average total assets | $131,830,500 | 3,886 |
| Average earning assets | $126,017,000 | 3,789 |
| Average equity | $18,498,500 | 3,364 |
| Average total loans | $97,292,500 | 3,465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 798 |
| Cost of funding earning assets | 0.7688% | 586 |
| Net interest margin | 4.1128% | 1,381 |
| Noninterest income to average assets | 0.3551% | 4,364 |
| Noninterest expense to average assets | 2.7674% | 3,358 |
| Loan and lease loss provision to assets | 0.1029% | 2,267 |
| Net operating income to assets | 1.0184% | 2,271 |
| Return on assets (ROA) | 1.0157% | 2,360 |
| Pretax return on assets | 1.4225% | 1,814 |
| Return on Equity (ROE) | 7.3626% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.0486% | 3,134 |
| Net charge-offs to loans | 0.2012% | 1,451 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 10.6190% | 2,669 |
| Efficiency ratio | 64.4086% | 4,185 |
| Assets per employee ($millions) | 4.3927% | 3,228 |
| Cash dividends to net income (ytd only)* | 45.0113% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 3,158 |
| Loan loss allowance to noncurrent loans | 181.5988% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 2,638 |
| Noncurrent loans to loans | 0.6895% | 3,126 |
| Net loans and leases to total assets | 72.0523% | 2,042 |
| Net loans and leases to deposits | 87.6378% | 1,925 |
| Net loans and leases to core deposits | 91.9819% | 2,224 |
| Total domestic deposits to total assets | 82.2161% | 4,107 |
| Equity capital to assets | 13.8630% | 979 |
| Core capital (leverage) ratio | 13.5481% | 948 |
| Tier 1 risk-based capital ratio | 18.9601% | 1,708 |
| Total risk-based capital ratio | 20.2101% | 1,670 |
| Memoranda: | ||
| Average total assets | $131,244,200 | 3,867 |
| Average earning assets | $125,777,400 | 3,779 |
| Average equity | $18,105,000 | 3,368 |
| Average total loans | $93,933,800 | 3,505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 838 |
| Cost of funding earning assets | 0.8003% | 497 |
| Net interest margin | 4.0580% | 1,536 |
| Noninterest income to average assets | 0.3112% | 4,718 |
| Noninterest expense to average assets | 2.7467% | 3,397 |
| Loan and lease loss provision to assets | 0.0966% | 2,240 |
| Net operating income to assets | 0.9884% | 2,522 |
| Return on assets (ROA) | 1.0129% | 2,504 |
| Pretax return on assets | 1.3891% | 2,059 |
| Return on Equity (ROE) | 7.3515% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.3515% | 1,522 |
| Net charge-offs to loans | 0.1771% | 1,417 |
| Credit loss provision to net charge-offs | 76.6129% | 2,665 |
| Earnings coverage of net charge-offs (x) | 11.5161% | 2,477 |
| Efficiency ratio | 65.4154% | 3,986 |
| Assets per employee ($millions) | 4.3521% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 3,043 |
| Loan loss allowance to noncurrent loans | 199.5130% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 3,140 |
| Noncurrent loans to loans | 0.6560% | 3,359 |
| Net loans and leases to total assets | 70.9759% | 2,238 |
| Net loans and leases to deposits | 86.8273% | 2,049 |
| Net loans and leases to core deposits | 91.7388% | 2,291 |
| Total domestic deposits to total assets | 81.7438% | 4,242 |
| Equity capital to assets | 14.1877% | 948 |
| Core capital (leverage) ratio | 13.7731% | 919 |
| Tier 1 risk-based capital ratio | 19.6713% | 1,629 |
| Total risk-based capital ratio | 20.9223% | 1,593 |
| Memoranda: | ||
| Average total assets | $131,109,750 | 3,910 |
| Average earning assets | $125,609,750 | 3,817 |
| Average equity | $18,064,000 | 3,400 |
| Average total loans | $93,378,250 | 3,548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 836 |
| Cost of funding earning assets | 0.8600% | 363 |
| Net interest margin | 3.9736% | 1,724 |
| Noninterest income to average assets | 0.1798% | 5,621 |
| Noninterest expense to average assets | 2.7877% | 3,282 |
| Loan and lease loss provision to assets | 0.0990% | 2,172 |
| Net operating income to assets | 0.7786% | 3,493 |
| Return on assets (ROA) | 0.8089% | 3,434 |
| Pretax return on assets | 1.1364% | 3,022 |
| Return on Equity (ROE) | 5.9294% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9294% | 2,288 |
| Net charge-offs to loans | 0.0386% | 2,908 |
| Credit loss provision to net charge-offs | 361.1111% | 810 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,063 |
| Efficiency ratio | 70.0344% | 3,320 |
| Assets per employee ($millions) | 4.4305% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,808 |
| Loan loss allowance to noncurrent loans | 122.6504% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 1,937 |
| Noncurrent loans to loans | 1.1333% | 2,385 |
| Net loans and leases to total assets | 69.6563% | 2,369 |
| Net loans and leases to deposits | 84.3665% | 2,268 |
| Net loans and leases to core deposits | 86.6168% | 2,692 |
| Total domestic deposits to total assets | 82.5639% | 4,102 |
| Equity capital to assets | 13.5697% | 1,143 |
| Core capital (leverage) ratio | 13.4518% | 1,003 |
| Tier 1 risk-based capital ratio | 19.2386% | 1,734 |
| Total risk-based capital ratio | 20.4898% | 1,702 |
| Memoranda: | ||
| Average total assets | $131,291,670 | 3,942 |
| Average earning assets | $125,580,000 | 3,852 |
| Average equity | $17,910,670 | 3,433 |
| Average total loans | $93,205,000 | 3,571 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 801 |
| Cost of funding earning assets | 0.8723% | 329 |
| Net interest margin | 3.9607% | 1,685 |
| Noninterest income to average assets | 0.3004% | 4,771 |
| Noninterest expense to average assets | 2.7744% | 3,330 |
| Loan and lease loss provision to assets | 0.1073% | 1,917 |
| Net operating income to assets | 0.9758% | 2,360 |
| Return on assets (ROA) | 1.0454% | 2,199 |
| Pretax return on assets | 1.2906% | 2,324 |
| Return on Equity (ROE) | 7.6423% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.6423% | 1,705 |
| Net charge-offs to loans | 0.0689% | 2,046 |
| Credit loss provision to net charge-offs | 218.7500% | 996 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,232 |
| Efficiency ratio | 67.8920% | 3,844 |
| Assets per employee ($millions) | 4.3599% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,979 |
| Loan loss allowance to noncurrent loans | 168.9153% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 2,263 |
| Noncurrent loans to loans | 0.8205% | 3,192 |
| Net loans and leases to total assets | 69.4636% | 2,208 |
| Net loans and leases to deposits | 84.6102% | 1,995 |
| Net loans and leases to core deposits | 86.5593% | 2,490 |
| Total domestic deposits to total assets | 82.0984% | 4,485 |
| Equity capital to assets | 13.8014% | 1,057 |
| Core capital (leverage) ratio | 13.4294% | 998 |
| Tier 1 risk-based capital ratio | 21.3061% | 1,367 |
| Total risk-based capital ratio | 22.5595% | 1,341 |
| Memoranda: | ||
| Average total assets | $130,480,500 | 3,981 |
| Average earning assets | $124,727,000 | 3,896 |
| Average equity | $17,848,000 | 3,473 |
| Average total loans | $92,863,500 | 3,594 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 534 |
| Cost of funding earning assets | 0.9303% | 327 |
| Net interest margin | 4.2549% | 1,155 |
| Noninterest income to average assets | 0.3265% | 4,782 |
| Noninterest expense to average assets | 2.8133% | 3,426 |
| Loan and lease loss provision to assets | 0.1253% | 2,089 |
| Net operating income to assets | 1.0196% | 2,299 |
| Return on assets (ROA) | 1.0524% | 2,217 |
| Pretax return on assets | 1.4736% | 1,640 |
| Return on Equity (ROE) | 7.8512% | 3,209 |
| Retained earnings to average equity (ytd only) | 6.9750% | 1,424 |
| Net charge-offs to loans | 0.2217% | 1,896 |
| Credit loss provision to net charge-offs | 75.4717% | 2,958 |
| Earnings coverage of net charge-offs (x) | 9.3538% | 2,760 |
| Efficiency ratio | 64.4369% | 4,524 |
| Assets per employee ($millions) | 4.4884% | 3,062 |
| Cash dividends to net income (ytd only)* | 11.1607% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,208 |
| Loan loss allowance to noncurrent loans | 143.6073% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 2,197 |
| Noncurrent loans to loans | 0.9360% | 2,980 |
| Net loans and leases to total assets | 70.9380% | 2,088 |
| Net loans and leases to deposits | 86.0154% | 1,986 |
| Net loans and leases to core deposits | 87.9842% | 2,503 |
| Total domestic deposits to total assets | 82.4712% | 4,263 |
| Equity capital to assets | 13.5553% | 1,137 |
| Core capital (leverage) ratio | 13.3001% | 1,025 |
| Tier 1 risk-based capital ratio | 19.0389% | 1,838 |
| Total risk-based capital ratio | 20.2911% | 1,801 |
| Memoranda: | ||
| Average total assets | $127,713,000 | 4,020 |
| Average earning assets | $121,247,800 | 3,932 |
| Average equity | $17,118,400 | 3,511 |
| Average total loans | $95,633,800 | 3,515 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 465 |
| Cost of funding earning assets | 0.9349% | 332 |
| Net interest margin | 4.3246% | 999 |
| Noninterest income to average assets | 0.3315% | 4,788 |
| Noninterest expense to average assets | 2.7956% | 3,477 |
| Loan and lease loss provision to assets | 0.1678% | 1,472 |
| Net operating income to assets | 1.1030% | 2,014 |
| Return on assets (ROA) | 1.1078% | 2,060 |
| Pretax return on assets | 1.4749% | 1,725 |
| Return on Equity (ROE) | 8.2885% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.2885% | 1,226 |
| Net charge-offs to loans | 0.1650% | 2,145 |
| Credit loss provision to net charge-offs | 134.4538% | 1,735 |
| Earnings coverage of net charge-offs (x) | 13.1095% | 2,256 |
| Efficiency ratio | 63.0769% | 4,708 |
| Assets per employee ($millions) | 4.4051% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,184 |
| Loan loss allowance to noncurrent loans | 146.4789% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.5256% | 2,016 |
| Noncurrent loans to loans | 0.9550% | 3,174 |
| Net loans and leases to total assets | 74.5994% | 1,426 |
| Net loans and leases to deposits | 90.8848% | 1,341 |
| Net loans and leases to core deposits | 92.5701% | 1,989 |
| Total domestic deposits to total assets | 82.0813% | 4,454 |
| Equity capital to assets | 13.7551% | 1,089 |
| Core capital (leverage) ratio | 13.3159% | 1,054 |
| Tier 1 risk-based capital ratio | 18.4043% | 2,084 |
| Total risk-based capital ratio | 19.6571% | 2,048 |
| Memoranda: | ||
| Average total assets | $127,100,500 | 4,063 |
| Average earning assets | $120,515,500 | 3,974 |
| Average equity | $16,987,000 | 3,546 |
| Average total loans | $96,144,000 | 3,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 502 |
| Cost of funding earning assets | 0.9306% | 356 |
| Net interest margin | 4.2766% | 1,074 |
| Noninterest income to average assets | 0.3310% | 4,769 |
| Noninterest expense to average assets | 2.7269% | 3,768 |
| Loan and lease loss provision to assets | 0.1734% | 1,411 |
| Net operating income to assets | 1.0254% | 2,222 |
| Return on assets (ROA) | 1.0309% | 2,263 |
| Pretax return on assets | 1.4880% | 1,572 |
| Return on Equity (ROE) | 7.7894% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,395 |
| Net charge-offs to loans | 0.3376% | 1,203 |
| Credit loss provision to net charge-offs | 67.9012% | 2,504 |
| Earnings coverage of net charge-offs (x) | 6.4753% | 2,767 |
| Efficiency ratio | 62.2526% | 4,973 |
| Assets per employee ($millions) | 4.2903% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 3,784 |
| Loan loss allowance to noncurrent loans | 136.2947% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 2,130 |
| Noncurrent loans to loans | 0.9633% | 3,315 |
| Net loans and leases to total assets | 73.4657% | 1,511 |
| Net loans and leases to deposits | 88.7709% | 1,503 |
| Net loans and leases to core deposits | 90.6048% | 2,068 |
| Total domestic deposits to total assets | 82.7588% | 4,395 |
| Equity capital to assets | 13.3355% | 1,218 |
| Core capital (leverage) ratio | 13.0887% | 1,127 |
| Tier 1 risk-based capital ratio | 18.0042% | 2,240 |
| Total risk-based capital ratio | 19.2560% | 2,211 |
| Memoranda: | ||
| Average total assets | $126,884,330 | 4,096 |
| Average earning assets | $120,141,670 | 4,004 |
| Average equity | $16,792,000 | 3,566 |
| Average total loans | $95,974,670 | 3,541 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3318% | 392 |
| Cost of funding earning assets | 0.9316% | 381 |
| Net interest margin | 4.4001% | 809 |
| Noninterest income to average assets | 0.3366% | 4,683 |
| Noninterest expense to average assets | 2.7593% | 3,716 |
| Loan and lease loss provision to assets | 0.1905% | 1,241 |
| Net operating income to assets | 1.1158% | 1,751 |
| Return on assets (ROA) | 1.1272% | 1,775 |
| Pretax return on assets | 1.5718% | 1,233 |
| Return on Equity (ROE) | 8.5511% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.5511% | 1,402 |
| Net charge-offs to loans | 0.0042% | 3,589 |
| Credit loss provision to net charge-offs | 6,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 69 |
| Efficiency ratio | 61.2403% | 5,239 |
| Assets per employee ($millions) | 4.2676% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,461 |
| Loan loss allowance to noncurrent loans | 96.5444% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 2,406 |
| Noncurrent loans to loans | 1.4817% | 2,568 |
| Net loans and leases to total assets | 73.6813% | 1,316 |
| Net loans and leases to deposits | 89.1464% | 1,234 |
| Net loans and leases to core deposits | 92.1229% | 1,719 |
| Total domestic deposits to total assets | 82.6521% | 4,735 |
| Equity capital to assets | 13.1418% | 1,237 |
| Core capital (leverage) ratio | 12.9895% | 1,168 |
| Tier 1 risk-based capital ratio | 17.8279% | 2,363 |
| Total risk-based capital ratio | 19.0804% | 2,338 |
| Memoranda: | ||
| Average total assets | $125,972,000 | 4,140 |
| Average earning assets | $119,360,000 | 4,056 |
| Average equity | $16,606,000 | 3,603 |
| Average total loans | $96,054,500 | 3,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 405 |
| Cost of funding earning assets | 0.9999% | 441 |
| Net interest margin | 4.4374% | 845 |
| Noninterest income to average assets | 0.3730% | 4,644 |
| Noninterest expense to average assets | 2.8634% | 3,484 |
| Loan and lease loss provision to assets | 0.3380% | 949 |
| Net operating income to assets | 1.0239% | 2,231 |
| Return on assets (ROA) | 1.0530% | 2,179 |
| Pretax return on assets | 1.4366% | 1,664 |
| Return on Equity (ROE) | 7.7189% | 3,188 |
| Retained earnings to average equity (ytd only) | 1.7491% | 4,986 |
| Net charge-offs to loans | 0.3405% | 1,977 |
| Credit loss provision to net charge-offs | 133.0128% | 1,772 |
| Earnings coverage of net charge-offs (x) | 6.8269% | 2,972 |
| Efficiency ratio | 62.2742% | 5,164 |
| Assets per employee ($millions) | 4.1306% | 3,574 |
| Cash dividends to net income (ytd only)* | 77.3395% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 3,845 |
| Loan loss allowance to noncurrent loans | 83.8132% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 2,080 |
| Noncurrent loans to loans | 1.6212% | 2,472 |
| Net loans and leases to total assets | 76.7433% | 982 |
| Net loans and leases to deposits | 92.8664% | 971 |
| Net loans and leases to core deposits | 93.9379% | 1,607 |
| Total domestic deposits to total assets | 82.6384% | 4,667 |
| Equity capital to assets | 13.2242% | 1,170 |
| Core capital (leverage) ratio | 12.8836% | 1,185 |
| Tier 1 risk-based capital ratio | 17.2618% | 2,508 |
| Total risk-based capital ratio | 18.5134% | 2,479 |
| Memoranda: | ||
| Average total assets | $122,789,400 | 4,218 |
| Average earning assets | $116,914,200 | 4,112 |
| Average equity | $16,751,000 | 3,595 |
| Average total loans | $91,622,800 | 3,651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 441 |
| Cost of funding earning assets | 1.0136% | 460 |
| Net interest margin | 4.3902% | 915 |
| Noninterest income to average assets | 0.3309% | 5,039 |
| Noninterest expense to average assets | 2.8776% | 3,383 |
| Loan and lease loss provision to assets | 0.3483% | 924 |
| Net operating income to assets | 0.8894% | 2,889 |
| Return on assets (ROA) | 0.9262% | 2,820 |
| Pretax return on assets | 1.3397% | 2,168 |
| Return on Equity (ROE) | 6.7370% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.7370% | 2,009 |
| Net charge-offs to loans | 0.4571% | 1,404 |
| Credit loss provision to net charge-offs | 103.2258% | 2,271 |
| Earnings coverage of net charge-offs (x) | 4.8452% | 3,342 |
| Efficiency ratio | 63.7723% | 4,838 |
| Assets per employee ($millions) | 4.1203% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,488 |
| Loan loss allowance to noncurrent loans | 102.0973% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 2,908 |
| Noncurrent loans to loans | 1.2555% | 3,300 |
| Net loans and leases to total assets | 75.8215% | 1,026 |
| Net loans and leases to deposits | 92.5467% | 941 |
| Net loans and leases to core deposits | 94.0003% | 1,577 |
| Total domestic deposits to total assets | 81.9278% | 4,955 |
| Equity capital to assets | 13.7651% | 1,033 |
| Core capital (leverage) ratio | 13.2151% | 1,125 |
| Tier 1 risk-based capital ratio | 17.8492% | 2,380 |
| Total risk-based capital ratio | 19.0997% | 2,343 |
| Memoranda: | ||
| Average total assets | $122,507,500 | 4,264 |
| Average earning assets | $116,682,000 | 4,157 |
| Average equity | $16,842,000 | 3,622 |
| Average total loans | $90,426,500 | 3,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 401 |
| Cost of funding earning assets | 1.0226% | 486 |
| Net interest margin | 4.4358% | 795 |
| Noninterest income to average assets | 0.3635% | 4,791 |
| Noninterest expense to average assets | 2.8672% | 3,445 |
| Loan and lease loss provision to assets | 0.3111% | 1,141 |
| Net operating income to assets | 1.0285% | 2,208 |
| Return on assets (ROA) | 1.0709% | 2,149 |
| Pretax return on assets | 1.4475% | 1,773 |
| Return on Equity (ROE) | 7.7930% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.7930% | 1,569 |
| Net charge-offs to loans | 0.4206% | 1,534 |
| Credit loss provision to net charge-offs | 101.6043% | 2,178 |
| Earnings coverage of net charge-offs (x) | 5.5561% | 2,870 |
| Efficiency ratio | 62.7599% | 5,056 |
| Assets per employee ($millions) | 4.1829% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,459 |
| Loan loss allowance to noncurrent loans | 76.9720% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.8926% | 2,286 |
| Noncurrent loans to loans | 1.7018% | 2,759 |
| Net loans and leases to total assets | 72.6487% | 1,457 |
| Net loans and leases to deposits | 88.0812% | 1,329 |
| Net loans and leases to core deposits | 89.3467% | 1,969 |
| Total domestic deposits to total assets | 82.4793% | 4,888 |
| Equity capital to assets | 13.3864% | 1,189 |
| Core capital (leverage) ratio | 13.4437% | 1,003 |
| Tier 1 risk-based capital ratio | 17.8647% | 2,371 |
| Total risk-based capital ratio | 19.1161% | 2,332 |
| Memoranda: | ||
| Average total assets | $122,140,000 | 4,299 |
| Average earning assets | $115,785,670 | 4,206 |
| Average equity | $16,784,330 | 3,652 |
| Average total loans | $88,922,000 | 3,749 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 396 |
| Cost of funding earning assets | 1.0539% | 465 |
| Net interest margin | 4.3942% | 815 |
| Noninterest income to average assets | 0.3188% | 5,142 |
| Noninterest expense to average assets | 2.9784% | 3,060 |
| Loan and lease loss provision to assets | 0.2988% | 1,168 |
| Net operating income to assets | 0.9729% | 2,341 |
| Return on assets (ROA) | 1.0260% | 2,231 |
| Pretax return on assets | 1.2750% | 2,310 |
| Return on Equity (ROE) | 7.3670% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.3670% | 1,997 |
| Net charge-offs to loans | 0.4404% | 1,351 |
| Credit loss provision to net charge-offs | 93.7500% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.7292% | 2,488 |
| Efficiency ratio | 66.3953% | 4,592 |
| Assets per employee ($millions) | 4.0184% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 4,467 |
| Loan loss allowance to noncurrent loans | 86.4029% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 2,350 |
| Noncurrent loans to loans | 1.5624% | 3,200 |
| Net loans and leases to total assets | 72.8043% | 1,234 |
| Net loans and leases to deposits | 89.4386% | 1,010 |
| Net loans and leases to core deposits | 89.9556% | 1,700 |
| Total domestic deposits to total assets | 81.4014% | 5,391 |
| Equity capital to assets | 14.0363% | 1,014 |
| Core capital (leverage) ratio | 13.4067% | 974 |
| Tier 1 risk-based capital ratio | 18.0856% | 2,324 |
| Total risk-based capital ratio | 19.3367% | 2,294 |
| Memoranda: | ||
| Average total assets | $120,467,000 | 4,391 |
| Average earning assets | $114,242,500 | 4,277 |
| Average equity | $16,777,500 | 3,701 |
| Average total loans | $87,196,000 | 3,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 676 |
| Cost of funding earning assets | 1.1887% | 615 |
| Net interest margin | 4.2711% | 1,470 |
| Noninterest income to average assets | 0.3330% | 5,070 |
| Noninterest expense to average assets | 2.8624% | 3,800 |
| Loan and lease loss provision to assets | 0.3594% | 1,849 |
| Net operating income to assets | 0.8559% | 3,014 |
| Return on assets (ROA) | 0.9470% | 2,819 |
| Pretax return on assets | 1.2453% | 2,619 |
| Return on Equity (ROE) | 6.8421% | 3,736 |
| Retained earnings to average equity (ytd only) | 0.8717% | 5,433 |
| Net charge-offs to loans | 0.7967% | 1,472 |
| Credit loss provision to net charge-offs | 66.8203% | 4,255 |
| Earnings coverage of net charge-offs (x) | 2.7604% | 4,045 |
| Efficiency ratio | 65.8430% | 4,535 |
| Assets per employee ($millions) | 4.1511% | 3,645 |
| Cash dividends to net income (ytd only)* | 87.2600% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,113 |
| Loan loss allowance to noncurrent loans | 132.4918% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 2,540 |
| Noncurrent loans to loans | 1.0664% | 4,070 |
| Net loans and leases to total assets | 69.9581% | 1,848 |
| Net loans and leases to deposits | 85.6116% | 1,560 |
| Net loans and leases to core deposits | 86.7510% | 2,221 |
| Total domestic deposits to total assets | 81.7157% | 5,187 |
| Equity capital to assets | 13.8177% | 1,113 |
| Core capital (leverage) ratio | 13.2372% | 1,036 |
| Tier 1 risk-based capital ratio | 17.8823% | 2,299 |
| Total risk-based capital ratio | 19.1335% | 2,270 |
| Memoranda: | ||
| Average total assets | $121,019,200 | 4,340 |
| Average earning assets | $113,741,800 | 4,257 |
| Average equity | $16,749,200 | 3,665 |
| Average total loans | $81,716,000 | 3,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4784% | 715 |
| Cost of funding earning assets | 1.1925% | 718 |
| Net interest margin | 4.2858% | 1,516 |
| Noninterest income to average assets | 0.3059% | 5,339 |
| Noninterest expense to average assets | 2.8453% | 3,820 |
| Loan and lease loss provision to assets | 0.2311% | 2,735 |
| Net operating income to assets | 0.9069% | 2,954 |
| Return on assets (ROA) | 0.9880% | 2,797 |
| Pretax return on assets | 1.3621% | 2,368 |
| Return on Equity (ROE) | 7.1361% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.5468% | 3,007 |
| Net charge-offs to loans | 1.0397% | 1,011 |
| Credit loss provision to net charge-offs | 33.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | 2.1381% | 4,194 |
| Efficiency ratio | 65.7513% | 4,495 |
| Assets per employee ($millions) | 4.1149% | 3,655 |
| Cash dividends to net income (ytd only)* | 22.2718% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 5,220 |
| Loan loss allowance to noncurrent loans | 144.7330% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 2,683 |
| Noncurrent loans to loans | 0.8391% | 4,739 |
| Net loans and leases to total assets | 68.3683% | 2,237 |
| Net loans and leases to deposits | 84.4768% | 1,806 |
| Net loans and leases to core deposits | 85.5944% | 2,516 |
| Total domestic deposits to total assets | 80.9315% | 5,383 |
| Equity capital to assets | 14.4160% | 995 |
| Core capital (leverage) ratio | 13.5523% | 995 |
| Tier 1 risk-based capital ratio | 18.6208% | 2,126 |
| Total risk-based capital ratio | 19.7724% | 2,125 |
| Memoranda: | ||
| Average total assets | $121,178,500 | 4,369 |
| Average earning assets | $113,705,000 | 4,295 |
| Average equity | $16,778,000 | 3,694 |
| Average total loans | $80,789,000 | 4,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4217% | 833 |
| Cost of funding earning assets | 1.1938% | 842 |
| Net interest margin | 4.2280% | 1,674 |
| Noninterest income to average assets | 0.3153% | 5,299 |
| Noninterest expense to average assets | 2.8507% | 3,829 |
| Loan and lease loss provision to assets | 0.1888% | 3,209 |
| Net operating income to assets | 0.9669% | 2,594 |
| Return on assets (ROA) | 1.0427% | 2,512 |
| Pretax return on assets | 1.3465% | 2,399 |
| Return on Equity (ROE) | 7.6339% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.6339% | 1,797 |
| Net charge-offs to loans | 0.4016% | 2,419 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 5.4348% | 2,839 |
| Efficiency ratio | 66.4879% | 4,434 |
| Assets per employee ($millions) | 4.0961% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,096 |
| Loan loss allowance to noncurrent loans | 108.1697% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 2,740 |
| Noncurrent loans to loans | 1.6033% | 3,504 |
| Net loans and leases to total assets | 63.4924% | 3,148 |
| Net loans and leases to deposits | 77.5929% | 2,734 |
| Net loans and leases to core deposits | 78.5855% | 3,438 |
| Total domestic deposits to total assets | 81.8276% | 5,193 |
| Equity capital to assets | 13.8464% | 1,166 |
| Core capital (leverage) ratio | 13.4529% | 990 |
| Tier 1 risk-based capital ratio | 18.6492% | 2,086 |
| Total risk-based capital ratio | 19.9030% | 2,041 |
| Memoranda: | ||
| Average total assets | $121,793,670 | 4,381 |
| Average earning assets | $114,428,330 | 4,300 |
| Average equity | $16,636,330 | 3,709 |
| Average total loans | $80,189,000 | 4,101 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 799 |
| Cost of funding earning assets | 1.1964% | 1,004 |
| Net interest margin | 4.2715% | 1,558 |
| Noninterest income to average assets | 0.2573% | 5,807 |
| Noninterest expense to average assets | 2.9097% | 3,588 |
| Loan and lease loss provision to assets | 0.2474% | 2,487 |
| Net operating income to assets | 0.8503% | 3,159 |
| Return on assets (ROA) | 0.8577% | 3,353 |
| Pretax return on assets | 1.1382% | 3,171 |
| Return on Equity (ROE) | 6.3233% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.3233% | 2,786 |
| Net charge-offs to loans | 0.6105% | 1,569 |
| Credit loss provision to net charge-offs | 60.9756% | 3,093 |
| Earnings coverage of net charge-offs (x) | 3.3902% | 2,856 |
| Efficiency ratio | 67.8984% | 4,194 |
| Assets per employee ($millions) | 4.1886% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 3,208 |
| Loan loss allowance to noncurrent loans | 113.0757% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.7214% | 3,279 |
| Noncurrent loans to loans | 1.5354% | 3,812 |
| Net loans and leases to total assets | 64.0695% | 2,837 |
| Net loans and leases to deposits | 78.2536% | 2,462 |
| Net loans and leases to core deposits | 79.2578% | 3,144 |
| Total domestic deposits to total assets | 81.8742% | 5,336 |
| Equity capital to assets | 13.6415% | 1,180 |
| Core capital (leverage) ratio | 13.0875% | 1,092 |
| Tier 1 risk-based capital ratio | 18.4189% | 2,167 |
| Total risk-based capital ratio | 19.6738% | 2,136 |
| Memoranda: | ||
| Average total assets | $121,248,500 | 4,424 |
| Average earning assets | $114,339,500 | 4,328 |
| Average equity | $16,447,000 | 3,740 |
| Average total loans | $80,584,000 | 4,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 532 |
| Cost of funding earning assets | 1.4406% | 878 |
| Net interest margin | 4.4529% | 1,254 |
| Noninterest income to average assets | 0.4030% | 4,588 |
| Noninterest expense to average assets | 2.9470% | 3,785 |
| Loan and lease loss provision to assets | 0.2019% | 4,163 |
| Net operating income to assets | 1.0903% | 1,869 |
| Return on assets (ROA) | 1.1155% | 1,897 |
| Pretax return on assets | 1.4899% | 1,504 |
| Return on Equity (ROE) | 8.2200% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.2607% | 3,904 |
| Net charge-offs to loans | 0.3173% | 3,806 |
| Credit loss provision to net charge-offs | 91.9540% | 3,924 |
| Earnings coverage of net charge-offs (x) | 7.5517% | 2,322 |
| Efficiency ratio | 63.9934% | 5,132 |
| Assets per employee ($millions) | 4.0343% | 3,780 |
| Cash dividends to net income (ytd only)* | 60.3318% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 3,071 |
| Loan loss allowance to noncurrent loans | 72.6762% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1590% | 2,779 |
| Noncurrent loans to loans | 2.3887% | 2,735 |
| Net loans and leases to total assets | 66.5510% | 2,674 |
| Net loans and leases to deposits | 80.9630% | 2,367 |
| Net loans and leases to core deposits | 82.0333% | 3,175 |
| Total domestic deposits to total assets | 82.1993% | 5,062 |
| Equity capital to assets | 13.4877% | 1,270 |
| Core capital (leverage) ratio | 13.0873% | 1,108 |
| Tier 1 risk-based capital ratio | 18.0153% | 2,183 |
| Total risk-based capital ratio | 19.2702% | 2,159 |
| Memoranda: | ||
| Average total assets | $118,866,600 | 4,432 |
| Average earning assets | $112,174,800 | 4,328 |
| Average equity | $16,131,400 | 3,704 |
| Average total loans | $82,265,200 | 4,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0150% | 443 |
| Cost of funding earning assets | 1.4894% | 902 |
| Net interest margin | 4.5256% | 1,090 |
| Noninterest income to average assets | 0.3910% | 4,736 |
| Noninterest expense to average assets | 3.0491% | 3,354 |
| Loan and lease loss provision to assets | 0.1408% | 4,678 |
| Net operating income to assets | 1.0811% | 2,040 |
| Return on assets (ROA) | 1.1144% | 2,058 |
| Pretax return on assets | 1.5088% | 1,630 |
| Return on Equity (ROE) | 8.1988% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.1988% | 1,431 |
| Net charge-offs to loans | 0.2429% | 3,906 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 9.4931% | 2,038 |
| Efficiency ratio | 65.5206% | 4,802 |
| Assets per employee ($millions) | 3.9466% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 3,030 |
| Loan loss allowance to noncurrent loans | 60.1017% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.5811% | 2,498 |
| Noncurrent loans to loans | 2.9498% | 2,361 |
| Net loans and leases to total assets | 66.4031% | 2,800 |
| Net loans and leases to deposits | 81.8174% | 2,393 |
| Net loans and leases to core deposits | 82.9290% | 3,201 |
| Total domestic deposits to total assets | 81.1602% | 5,383 |
| Equity capital to assets | 14.1987% | 1,085 |
| Core capital (leverage) ratio | 13.5915% | 1,017 |
| Tier 1 risk-based capital ratio | 19.0848% | 1,905 |
| Total risk-based capital ratio | 20.3399% | 1,880 |
| Memoranda: | ||
| Average total assets | $118,326,000 | 4,477 |
| Average earning assets | $111,451,750 | 4,372 |
| Average equity | $16,083,250 | 3,724 |
| Average total loans | $82,339,250 | 4,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 416 |
| Cost of funding earning assets | 1.5443% | 853 |
| Net interest margin | 4.5220% | 1,082 |
| Noninterest income to average assets | 0.3685% | 4,929 |
| Noninterest expense to average assets | 3.0126% | 3,589 |
| Loan and lease loss provision to assets | 0.1014% | 5,043 |
| Net operating income to assets | 1.1397% | 1,759 |
| Return on assets (ROA) | 1.1547% | 1,782 |
| Pretax return on assets | 1.5520% | 1,376 |
| Return on Equity (ROE) | 8.6234% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.6234% | 1,226 |
| Net charge-offs to loans | 0.1227% | 4,490 |
| Credit loss provision to net charge-offs | 117.6471% | 2,610 |
| Earnings coverage of net charge-offs (x) | 18.9412% | 1,237 |
| Efficiency ratio | 64.8472% | 5,085 |
| Assets per employee ($millions) | 3.9600% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 3,197 |
| Loan loss allowance to noncurrent loans | 518.9286% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,240 |
| Noncurrent loans to loans | 0.3348% | 6,246 |
| Net loans and leases to total assets | 69.1686% | 2,381 |
| Net loans and leases to deposits | 84.5445% | 2,028 |
| Net loans and leases to core deposits | 85.6727% | 2,964 |
| Total domestic deposits to total assets | 81.8133% | 5,229 |
| Equity capital to assets | 13.7684% | 1,174 |
| Core capital (leverage) ratio | 13.2978% | 1,062 |
| Tier 1 risk-based capital ratio | 18.1497% | 2,124 |
| Total risk-based capital ratio | 19.4049% | 2,079 |
| Memoranda: | ||
| Average total assets | $118,302,000 | 4,507 |
| Average earning assets | $111,897,330 | 4,388 |
| Average equity | $15,840,670 | 3,759 |
| Average total loans | $83,106,000 | 4,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0978% | 405 |
| Cost of funding earning assets | 1.5567% | 959 |
| Net interest margin | 4.5411% | 979 |
| Noninterest income to average assets | 0.3592% | 5,035 |
| Noninterest expense to average assets | 3.1511% | 3,065 |
| Loan and lease loss provision to assets | 0.1525% | 4,117 |
| Net operating income to assets | 0.9237% | 2,466 |
| Return on assets (ROA) | 0.9284% | 2,510 |
| Pretax return on assets | 1.3519% | 1,877 |
| Return on Equity (ROE) | 7.0335% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.0335% | 2,133 |
| Net charge-offs to loans | 0.0869% | 4,083 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 24.5556% | 982 |
| Efficiency ratio | 67.7843% | 4,700 |
| Assets per employee ($millions) | 3.9552% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 3,032 |
| Loan loss allowance to noncurrent loans | 259.4356% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 4,850 |
| Noncurrent loans to loans | 0.6916% | 5,641 |
| Net loans and leases to total assets | 67.8564% | 2,579 |
| Net loans and leases to deposits | 82.6855% | 2,235 |
| Net loans and leases to core deposits | 83.7433% | 3,195 |
| Total domestic deposits to total assets | 82.0657% | 5,283 |
| Equity capital to assets | 13.2552% | 1,279 |
| Core capital (leverage) ratio | 12.9843% | 1,124 |
| Tier 1 risk-based capital ratio | 17.7772% | 2,187 |
| Total risk-based capital ratio | 19.0325% | 2,151 |
| Memoranda: | ||
| Average total assets | $118,052,500 | 4,537 |
| Average earning assets | $111,516,000 | 4,417 |
| Average equity | $15,582,500 | 3,798 |
| Average total loans | $82,846,000 | 4,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3521% | 422 |
| Cost of funding earning assets | 1.6887% | 1,654 |
| Net interest margin | 4.6634% | 884 |
| Noninterest income to average assets | 0.4198% | 4,745 |
| Noninterest expense to average assets | 2.9591% | 4,001 |
| Loan and lease loss provision to assets | 0.2565% | 4,739 |
| Net operating income to assets | 1.2282% | 1,349 |
| Return on assets (ROA) | 1.2449% | 1,376 |
| Pretax return on assets | 1.6630% | 1,017 |
| Return on Equity (ROE) | 9.3597% | 2,156 |
| Retained earnings to average equity (ytd only) | 2.9313% | 3,807 |
| Net charge-offs to loans | 0.1684% | 5,321 |
| Credit loss provision to net charge-offs | 211.2676% | 1,449 |
| Earnings coverage of net charge-offs (x) | 15.6268% | 1,270 |
| Efficiency ratio | 60.9331% | 5,904 |
| Assets per employee ($millions) | 3.9150% | 3,977 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 3,124 |
| Loan loss allowance to noncurrent loans | 174.0651% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 4,373 |
| Noncurrent loans to loans | 0.9904% | 5,082 |
| Net loans and leases to total assets | 70.0409% | 2,528 |
| Net loans and leases to deposits | 84.9772% | 2,284 |
| Net loans and leases to core deposits | 85.7701% | 3,353 |
| Total domestic deposits to total assets | 82.4232% | 5,053 |
| Equity capital to assets | 13.1435% | 1,321 |
| Core capital (leverage) ratio | 12.9889% | 1,132 |
| Tier 1 risk-based capital ratio | 17.4883% | 2,179 |
| Total risk-based capital ratio | 18.7434% | 2,143 |
| Memoranda: | ||
| Average total assets | $116,959,600 | 4,555 |
| Average earning assets | $111,270,000 | 4,437 |
| Average equity | $15,556,000 | 3,853 |
| Average total loans | $84,301,000 | 4,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3336% | 473 |
| Cost of funding earning assets | 1.7080% | 1,836 |
| Net interest margin | 4.6257% | 993 |
| Noninterest income to average assets | 0.4040% | 4,930 |
| Noninterest expense to average assets | 3.0720% | 3,466 |
| Loan and lease loss provision to assets | 0.1312% | 5,716 |
| Net operating income to assets | 1.1372% | 1,777 |
| Return on assets (ROA) | 1.1583% | 1,806 |
| Pretax return on assets | 1.6376% | 1,254 |
| Return on Equity (ROE) | 8.6829% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.6829% | 1,167 |
| Net charge-offs to loans | 0.0979% | 5,548 |
| Credit loss provision to net charge-offs | 185.4839% | 1,945 |
| Earnings coverage of net charge-offs (x) | 24.5820% | 1,021 |
| Efficiency ratio | 63.8520% | 5,266 |
| Assets per employee ($millions) | 3.8255% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,482 |
| Loan loss allowance to noncurrent loans | 79.9761% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5432% | 4,133 |
| Noncurrent loans to loans | 2.0143% | 3,656 |
| Net loans and leases to total assets | 71.2038% | 2,435 |
| Net loans and leases to deposits | 88.0998% | 1,995 |
| Net loans and leases to core deposits | 89.4245% | 3,179 |
| Total domestic deposits to total assets | 80.8217% | 5,445 |
| Equity capital to assets | 14.2665% | 1,097 |
| Core capital (leverage) ratio | 13.4095% | 1,088 |
| Tier 1 risk-based capital ratio | 18.3586% | 1,916 |
| Total risk-based capital ratio | 19.6123% | 1,874 |
| Memoranda: | ||
| Average total assets | $116,837,000 | 4,614 |
| Average earning assets | $111,318,000 | 4,496 |
| Average equity | $15,585,750 | 3,881 |
| Average total loans | $84,449,750 | 4,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 491 |
| Cost of funding earning assets | 1.7030% | 2,107 |
| Net interest margin | 4.6204% | 952 |
| Noninterest income to average assets | 0.4050% | 4,874 |
| Noninterest expense to average assets | 3.0461% | 3,532 |
| Loan and lease loss provision to assets | 0.1361% | 5,527 |
| Net operating income to assets | 1.1844% | 1,599 |
| Return on assets (ROA) | 1.2167% | 1,583 |
| Pretax return on assets | 1.6762% | 1,101 |
| Return on Equity (ROE) | 9.3322% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.3322% | 998 |
| Net charge-offs to loans | 0.1225% | 4,961 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 19.9808% | 1,236 |
| Efficiency ratio | 63.2732% | 5,471 |
| Assets per employee ($millions) | 3.9421% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,710 |
| Loan loss allowance to noncurrent loans | 78.9663% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 4,249 |
| Noncurrent loans to loans | 1.9505% | 3,792 |
| Net loans and leases to total assets | 71.0279% | 2,646 |
| Net loans and leases to deposits | 86.3787% | 2,452 |
| Net loans and leases to core deposits | 87.3852% | 3,639 |
| Total domestic deposits to total assets | 82.2284% | 4,893 |
| Equity capital to assets | 13.3052% | 1,435 |
| Core capital (leverage) ratio | 12.9396% | 1,230 |
| Tier 1 risk-based capital ratio | 17.5192% | 2,097 |
| Total risk-based capital ratio | 18.7725% | 2,061 |
| Memoranda: | ||
| Average total assets | $117,527,670 | 4,626 |
| Average earning assets | $112,154,330 | 4,502 |
| Average equity | $15,323,330 | 3,931 |
| Average total loans | $84,914,670 | 4,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3729% | 465 |
| Cost of funding earning assets | 1.7348% | 2,209 |
| Net interest margin | 4.6381% | 896 |
| Noninterest income to average assets | 0.3892% | 5,006 |
| Noninterest expense to average assets | 3.0795% | 3,350 |
| Loan and lease loss provision to assets | 0.1536% | 4,996 |
| Net operating income to assets | 1.1359% | 1,727 |
| Return on assets (ROA) | 1.1949% | 1,626 |
| Pretax return on assets | 1.6558% | 1,150 |
| Return on Equity (ROE) | 9.2608% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.2608% | 1,331 |
| Net charge-offs to loans | 0.1983% | 3,719 |
| Credit loss provision to net charge-offs | 107.1429% | 3,206 |
| Earnings coverage of net charge-offs (x) | 12.0476% | 1,593 |
| Efficiency ratio | 64.0625% | 5,482 |
| Assets per employee ($millions) | 3.9029% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,831 |
| Loan loss allowance to noncurrent loans | 87.9263% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 4,676 |
| Noncurrent loans to loans | 1.7234% | 4,156 |
| Net loans and leases to total assets | 71.5485% | 2,562 |
| Net loans and leases to deposits | 87.1031% | 2,394 |
| Net loans and leases to core deposits | 88.3571% | 3,591 |
| Total domestic deposits to total assets | 82.1423% | 5,014 |
| Equity capital to assets | 13.0937% | 1,488 |
| Core capital (leverage) ratio | 12.7118% | 1,321 |
| Tier 1 risk-based capital ratio | 17.3675% | 2,116 |
| Total risk-based capital ratio | 18.6205% | 2,089 |
| Memoranda: | ||
| Average total assets | $117,160,500 | 4,689 |
| Average earning assets | $111,597,500 | 4,572 |
| Average equity | $15,117,500 | 3,996 |
| Average total loans | $84,715,500 | 4,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5977% | 555 |
| Cost of funding earning assets | 2.0368% | 2,790 |
| Net interest margin | 4.5609% | 1,056 |
| Noninterest income to average assets | 0.4530% | 4,782 |
| Noninterest expense to average assets | 2.9345% | 4,411 |
| Loan and lease loss provision to assets | 0.1919% | 5,806 |
| Net operating income to assets | 1.2146% | 1,211 |
| Return on assets (ROA) | 1.2190% | 1,251 |
| Pretax return on assets | 1.6592% | 852 |
| Return on Equity (ROE) | 9.7290% | 1,769 |
| Retained earnings to average equity (ytd only) | 2.9208% | 3,125 |
| Net charge-offs to loans | 0.1202% | 5,973 |
| Credit loss provision to net charge-offs | 218.4466% | 1,734 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,013 |
| Efficiency ratio | 61.3957% | 6,264 |
| Assets per employee ($millions) | 3.9078% | 4,007 |
| Cash dividends to net income (ytd only)* | 69.9790% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 3,601 |
| Loan loss allowance to noncurrent loans | 77.6101% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 4,289 |
| Noncurrent loans to loans | 1.9640% | 3,708 |
| Net loans and leases to total assets | 70.8685% | 3,040 |
| Net loans and leases to deposits | 85.5651% | 2,989 |
| Net loans and leases to core deposits | 97.2664% | 4,318 |
| Total domestic deposits to total assets | 82.8241% | 4,598 |
| Equity capital to assets | 12.7130% | 1,639 |
| Core capital (leverage) ratio | 12.5364% | 1,437 |
| Tier 1 risk-based capital ratio | 16.7433% | 2,223 |
| Total risk-based capital ratio | 17.9965% | 2,190 |
| Memoranda: | ||
| Average total assets | $117,227,800 | 4,654 |
| Average earning assets | $111,205,400 | 4,529 |
| Average equity | $14,688,000 | 4,117 |
| Average total loans | $85,669,200 | 4,341 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6435% | 567 |
| Cost of funding earning assets | 2.1053% | 2,867 |
| Net interest margin | 4.5382% | 1,101 |
| Noninterest income to average assets | 0.4618% | 4,807 |
| Noninterest expense to average assets | 3.0447% | 3,863 |
| Loan and lease loss provision to assets | 0.0682% | 6,683 |
| Net operating income to assets | 1.1761% | 1,526 |
| Return on assets (ROA) | 1.1817% | 1,564 |
| Pretax return on assets | 1.6594% | 1,044 |
| Return on Equity (ROE) | 9.4663% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.7330% | 1,616 |
| Net charge-offs to loans | 0.0062% | 6,873 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 378.2270% | 98 |
| Efficiency ratio | 63.9055% | 5,774 |
| Assets per employee ($millions) | 3.8570% | 4,058 |
| Cash dividends to net income (ytd only)* | 28.8739% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 3,585 |
| Loan loss allowance to noncurrent loans | 61.2757% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 3,791 |
| Noncurrent loans to loans | 2.4022% | 3,134 |
| Net loans and leases to total assets | 70.5764% | 3,370 |
| Net loans and leases to deposits | 86.0772% | 3,303 |
| Net loans and leases to core deposits | 99.1501% | 4,466 |
| Total domestic deposits to total assets | 81.9920% | 4,682 |
| Equity capital to assets | 13.2193% | 1,613 |
| Core capital (leverage) ratio | 12.8042% | 1,445 |
| Tier 1 risk-based capital ratio | 17.5391% | 2,115 |
| Total risk-based capital ratio | 18.7914% | 2,074 |
| Memoranda: | ||
| Average total assets | $117,226,250 | 4,665 |
| Average earning assets | $111,143,250 | 4,552 |
| Average equity | $14,634,000 | 4,159 |
| Average total loans | $85,994,500 | 4,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7318% | 514 |
| Cost of funding earning assets | 2.1696% | 2,937 |
| Net interest margin | 4.5622% | 1,033 |
| Noninterest income to average assets | 0.4672% | 4,728 |
| Noninterest expense to average assets | 3.0357% | 3,944 |
| Loan and lease loss provision to assets | 0.0680% | 6,525 |
| Net operating income to assets | 1.2195% | 1,427 |
| Return on assets (ROA) | 1.2282% | 1,484 |
| Pretax return on assets | 1.6869% | 1,040 |
| Return on Equity (ROE) | 10.0324% | 2,013 |
| Retained earnings to average equity (ytd only) | 5.8696% | 2,088 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5265% | 5,999 |
| Assets per employee ($millions) | 4.1657% | 3,362 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,674 |
| Loan loss allowance to noncurrent loans | 169.8166% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,900 |
| Noncurrent loans to loans | 0.8300% | 5,567 |
| Net loans and leases to total assets | 72.2059% | 3,162 |
| Net loans and leases to deposits | 87.1005% | 3,339 |
| Net loans and leases to core deposits | 100.5324% | 4,454 |
| Total domestic deposits to total assets | 82.8995% | 4,292 |
| Equity capital to assets | 12.5429% | 1,903 |
| Core capital (leverage) ratio | 12.5378% | 1,607 |
| Tier 1 risk-based capital ratio | 16.3947% | 2,482 |
| Total risk-based capital ratio | 17.6337% | 2,435 |
| Memoranda: | ||
| Average total assets | $117,731,670 | 4,694 |
| Average earning assets | $111,263,000 | 4,596 |
| Average equity | $14,413,330 | 4,213 |
| Average total loans | $87,031,330 | 4,363 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7209% | 560 |
| Cost of funding earning assets | 2.2487% | 2,922 |
| Net interest margin | 4.4722% | 1,189 |
| Noninterest income to average assets | 0.4363% | 4,901 |
| Noninterest expense to average assets | 2.8847% | 4,211 |
| Loan and lease loss provision to assets | 0.1015% | 5,669 |
| Net operating income to assets | 1.1966% | 1,663 |
| Return on assets (ROA) | 1.2039% | 1,756 |
| Pretax return on assets | 1.6774% | 1,222 |
| Return on Equity (ROE) | 9.9546% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.9546% | 1,207 |
| Net charge-offs to loans | -0.0364% | 7,613 |
| Credit loss provision to net charge-offs | -375.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9913% | 6,049 |
| Assets per employee ($millions) | 4.2452% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,604 |
| Loan loss allowance to noncurrent loans | 130.6522% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 5,234 |
| Noncurrent loans to loans | 1.0576% | 4,871 |
| Net loans and leases to total assets | 72.1743% | 3,205 |
| Net loans and leases to deposits | 86.9173% | 3,492 |
| Net loans and leases to core deposits | 99.7303% | 4,559 |
| Total domestic deposits to total assets | 83.0379% | 4,131 |
| Equity capital to assets | 12.2122% | 2,128 |
| Core capital (leverage) ratio | 12.2541% | 1,786 |
| Tier 1 risk-based capital ratio | 18.2764% | 1,987 |
| Total risk-based capital ratio | 19.5299% | 1,945 |
| Memoranda: | ||
| Average total assets | $118,277,500 | 4,697 |
| Average earning assets | $111,533,500 | 4,595 |
| Average equity | $14,305,000 | 4,268 |
| Average total loans | $87,834,500 | 4,365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1944% | 755 |
| Cost of funding earning assets | 2.6082% | 3,647 |
| Net interest margin | 4.5862% | 1,219 |
| Noninterest income to average assets | 0.5376% | 4,335 |
| Noninterest expense to average assets | 2.9675% | 4,191 |
| Loan and lease loss provision to assets | 0.1171% | 5,879 |
| Net operating income to assets | 1.2775% | 1,549 |
| Return on assets (ROA) | 1.2990% | 1,438 |
| Pretax return on assets | 1.7855% | 976 |
| Return on Equity (ROE) | 10.4867% | 2,091 |
| Retained earnings to average equity (ytd only) | 2.0861% | 3,938 |
| Net charge-offs to loans | 0.0615% | 5,901 |
| Credit loss provision to net charge-offs | 254.7170% | 1,830 |
| Earnings coverage of net charge-offs (x) | 40.7547% | 909 |
| Efficiency ratio | 61.3042% | 6,107 |
| Assets per employee ($millions) | 3.9230% | 3,671 |
| Cash dividends to net income (ytd only)* | 80.1068% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,692 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 3,747 |
| Noncurrent loans to loans | 1.6408% | 3,311 |
| Net loans and leases to total assets | 74.3589% | 3,018 |
| Net loans and leases to deposits | 89.1334% | 3,615 |
| Net loans and leases to core deposits | 104.7997% | 4,321 |
| Total domestic deposits to total assets | 83.4243% | 3,604 |
| Equity capital to assets | 11.9755% | 2,304 |
| Core capital (leverage) ratio | 12.0038% | 1,959 |
| Tier 1 risk-based capital ratio | 16.0376% | 2,651 |
| Total risk-based capital ratio | 17.2881% | 2,595 |
| Memoranda: | ||
| Average total assets | $115,317,800 | 4,628 |
| Average earning assets | $108,195,200 | 4,555 |
| Average equity | $14,284,800 | 4,271 |
| Average total loans | $86,192,200 | 4,327 |