Home > The Farmers State Bank of Aliceville, Kansas > Performance and Condition Ratios
The Farmers State Bank of Aliceville, Kansas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3974% | 719 |
| Cost of funding earning assets | 1.9707% | 2,011 |
| Net interest margin | 4.4267% | 711 |
| Noninterest income to average assets | 0.0600% | 4,268 |
| Noninterest expense to average assets | 2.1718% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6230% | 865 |
| Return on assets (ROA) | 1.6230% | 860 |
| Pretax return on assets | 2.1461% | 548 |
| Return on Equity (ROE) | 8.5800% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.5788% | 1,539 |
| Net charge-offs to loans | -0.0065% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50.2975% | 3,875 |
| Assets per employee ($millions) | 7.8742% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 963 |
| Loan loss allowance to noncurrent loans | 210.6195% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 1,422 |
| Noncurrent loans to loans | 0.7228% | 1,425 |
| Net loans and leases to total assets | 71.1000% | 1,717 |
| Net loans and leases to deposits | 88.3797% | 1,267 |
| Net loans and leases to core deposits | 108.8957% | 893 |
| Total domestic deposits to total assets | 80.4500% | 3,552 |
| Equity capital to assets | 18.9069% | 315 |
| Core capital (leverage) ratio | 18.6099% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $171,286,000 | 3,222 |
| Average earning assets | $164,818,000 | 3,170 |
| Average equity | $32,405,500 | 2,332 |
| Average total loans | $123,190,500 | 2,996 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6566% | 584 |
| Cost of funding earning assets | 2.1272% | 1,922 |
| Net interest margin | 4.5293% | 617 |
| Noninterest income to average assets | 0.0600% | 4,337 |
| Noninterest expense to average assets | 2.9101% | 1,297 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.0558% | 1,887 |
| Return on assets (ROA) | 1.0558% | 1,891 |
| Pretax return on assets | 1.3649% | 1,599 |
| Return on Equity (ROE) | 5.6700% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.6662% | 1,954 |
| Net charge-offs to loans | 0.2614% | 570 |
| Credit loss provision to net charge-offs | 70.3125% | 2,199 |
| Earnings coverage of net charge-offs (x) | 7.8500% | 2,406 |
| Efficiency ratio | 65.9989% | 2,491 |
| Assets per employee ($millions) | 7.6972% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 854 |
| Loan loss allowance to noncurrent loans | 305.2970% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 1,818 |
| Noncurrent loans to loans | 0.5136% | 1,787 |
| Net loans and leases to total assets | 70.5100% | 1,833 |
| Net loans and leases to deposits | 87.6332% | 1,433 |
| Net loans and leases to core deposits | 108.2815% | 1,013 |
| Total domestic deposits to total assets | 80.4600% | 3,497 |
| Equity capital to assets | 18.9313% | 310 |
| Core capital (leverage) ratio | 18.4669% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $167,552,600 | 3,218 |
| Average earning assets | $160,819,000 | 3,168 |
| Average equity | $31,220,200 | 2,327 |
| Average total loans | $122,410,800 | 2,970 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6880% | 548 |
| Cost of funding earning assets | 2.1261% | 1,911 |
| Net interest margin | 4.5619% | 594 |
| Noninterest income to average assets | 0.0600% | 4,350 |
| Noninterest expense to average assets | 2.7359% | 1,597 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 1.2247% | 1,468 |
| Return on assets (ROA) | 1.2247% | 1,477 |
| Pretax return on assets | 1.5790% | 1,190 |
| Return on Equity (ROE) | 6.6000% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.5997% | 1,873 |
| Net charge-offs to loans | -0.0033% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.6949% | 2,975 |
| Assets per employee ($millions) | 7.4944% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 505 |
| Loan loss allowance to noncurrent loans | 298.1969% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 1,566 |
| Noncurrent loans to loans | 0.6187% | 1,549 |
| Net loans and leases to total assets | 69.3800% | 1,925 |
| Net loans and leases to deposits | 86.8192% | 1,559 |
| Net loans and leases to core deposits | 108.1409% | 1,025 |
| Total domestic deposits to total assets | 79.9100% | 3,473 |
| Equity capital to assets | 19.3024% | 294 |
| Core capital (leverage) ratio | 19.0738% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $167,106,000 | 3,219 |
| Average earning assets | $160,162,500 | 3,171 |
| Average equity | $31,010,750 | 2,336 |
| Average total loans | $122,687,500 | 2,968 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6873% | 507 |
| Cost of funding earning assets | 2.0932% | 1,889 |
| Net interest margin | 4.5941% | 550 |
| Noninterest income to average assets | 0.0600% | 4,367 |
| Noninterest expense to average assets | 3.2160% | 806 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8972% | 2,324 |
| Return on assets (ROA) | 0.8972% | 2,327 |
| Pretax return on assets | 1.1332% | 2,119 |
| Return on Equity (ROE) | 4.9000% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.8993% | 2,371 |
| Net charge-offs to loans | -0.0048% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.9733% | 1,863 |
| Assets per employee ($millions) | 7.5603% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 749 |
| Loan loss allowance to noncurrent loans | 285.3261% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 1,468 |
| Noncurrent loans to loans | 0.5799% | 1,573 |
| Net loans and leases to total assets | 75.0400% | 1,289 |
| Net loans and leases to deposits | 95.8023% | 815 |
| Net loans and leases to core deposits | 119.3610% | 654 |
| Total domestic deposits to total assets | 78.3300% | 3,667 |
| Equity capital to assets | 18.6632% | 315 |
| Core capital (leverage) ratio | 18.2758% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $167,849,333 | 3,225 |
| Average earning assets | $160,903,000 | 3,173 |
| Average equity | $30,739,333 | 2,316 |
| Average total loans | $124,738,000 | 2,949 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6167% | 506 |
| Cost of funding earning assets | 2.0184% | 1,949 |
| Net interest margin | 4.5983% | 526 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 2.7234% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4187% | 1,028 |
| Return on assets (ROA) | 1.4187% | 1,035 |
| Pretax return on assets | 1.7532% | 886 |
| Return on Equity (ROE) | 7.8200% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.8201% | 1,594 |
| Net charge-offs to loans | -0.0065% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.8373% | 3,168 |
| Assets per employee ($millions) | 7.6730% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 836 |
| Loan loss allowance to noncurrent loans | 255.9539% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,362 |
| Noncurrent loans to loans | 0.6277% | 1,398 |
| Net loans and leases to total assets | 72.5200% | 1,502 |
| Net loans and leases to deposits | 89.3363% | 1,246 |
| Net loans and leases to core deposits | 110.3594% | 923 |
| Total domestic deposits to total assets | 81.1700% | 3,337 |
| Equity capital to assets | 18.2972% | 333 |
| Core capital (leverage) ratio | 17.8411% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $168,610,500 | 3,223 |
| Average earning assets | $161,713,000 | 3,175 |
| Average equity | $30,588,000 | 2,330 |
| Average total loans | $123,648,500 | 2,965 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 891 |
| Cost of funding earning assets | 1.5178% | 1,901 |
| Net interest margin | 4.2182% | 908 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.8095% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9763% | 2,288 |
| Return on assets (ROA) | 0.9763% | 2,276 |
| Pretax return on assets | 1.3054% | 1,858 |
| Return on Equity (ROE) | 5.6400% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.6406% | 2,370 |
| Net charge-offs to loans | -0.0041% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.2758% | 2,081 |
| Assets per employee ($millions) | 7.6552% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 796 |
| Loan loss allowance to noncurrent loans | 263.4565% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,233 |
| Noncurrent loans to loans | 0.6168% | 1,281 |
| Net loans and leases to total assets | 71.7800% | 1,609 |
| Net loans and leases to deposits | 87.9850% | 1,435 |
| Net loans and leases to core deposits | 108.3732% | 1,022 |
| Total domestic deposits to total assets | 81.5800% | 3,205 |
| Equity capital to assets | 17.9848% | 352 |
| Core capital (leverage) ratio | 17.3111% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $171,665,800 | 3,184 |
| Average earning assets | $165,045,800 | 3,138 |
| Average equity | $29,713,400 | 2,271 |
| Average total loans | $120,664,800 | 2,947 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 1,004 |
| Cost of funding earning assets | 1.3986% | 1,871 |
| Net interest margin | 4.1105% | 1,046 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.1266% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4417% | 1,233 |
| Return on assets (ROA) | 1.4417% | 1,214 |
| Pretax return on assets | 1.8900% | 873 |
| Return on Equity (ROE) | 8.4100% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.4094% | 1,836 |
| Net charge-offs to loans | -0.0044% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.9446% | 3,684 |
| Assets per employee ($millions) | 8.6309% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 730 |
| Loan loss allowance to noncurrent loans | 249.5000% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 1,254 |
| Noncurrent loans to loans | 0.6746% | 1,226 |
| Net loans and leases to total assets | 67.5400% | 2,102 |
| Net loans and leases to deposits | 82.4979% | 1,867 |
| Net loans and leases to core deposits | 103.0721% | 1,163 |
| Total domestic deposits to total assets | 81.8700% | 3,237 |
| Equity capital to assets | 17.6564% | 364 |
| Core capital (leverage) ratio | 17.7750% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $172,478,750 | 3,190 |
| Average earning assets | $165,977,250 | 3,138 |
| Average equity | $29,569,500 | 2,266 |
| Average total loans | $120,110,000 | 2,955 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 1,022 |
| Cost of funding earning assets | 1.2670% | 1,802 |
| Net interest margin | 4.0769% | 1,116 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.4682% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1668% | 1,920 |
| Return on assets (ROA) | 1.1668% | 1,917 |
| Pretax return on assets | 1.5194% | 1,558 |
| Return on Equity (ROE) | 6.8700% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.8747% | 2,327 |
| Net charge-offs to loans | -0.0050% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8965% | 2,725 |
| Assets per employee ($millions) | 8.4242% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 853 |
| Loan loss allowance to noncurrent loans | 264.9402% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 1,195 |
| Noncurrent loans to loans | 0.6196% | 1,205 |
| Net loans and leases to total assets | 70.9500% | 1,641 |
| Net loans and leases to deposits | 86.4903% | 1,464 |
| Net loans and leases to core deposits | 108.6708% | 881 |
| Total domestic deposits to total assets | 82.0300% | 3,226 |
| Equity capital to assets | 17.5804% | 360 |
| Core capital (leverage) ratio | 17.0046% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $172,432,667 | 3,198 |
| Average earning assets | $165,909,333 | 3,147 |
| Average equity | $29,266,667 | 2,292 |
| Average total loans | $120,617,667 | 2,939 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 1,186 |
| Cost of funding earning assets | 1.1147% | 1,718 |
| Net interest margin | 3.9086% | 1,465 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 0.9954% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1880% | 381 |
| Return on assets (ROA) | 2.1880% | 376 |
| Pretax return on assets | 2.8531% | 236 |
| Return on Equity (ROE) | 13.1200% | 1,962 |
| Retained earnings to average equity (ytd only) | 13.1179% | 1,071 |
| Net charge-offs to loans | -0.0033% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 25.8641% | 4,629 |
| Assets per employee ($millions) | 8.6833% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 886 |
| Loan loss allowance to noncurrent loans | 261.3368% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 1,168 |
| Noncurrent loans to loans | 0.6358% | 1,181 |
| Net loans and leases to total assets | 67.9600% | 1,837 |
| Net loans and leases to deposits | 82.3357% | 1,623 |
| Net loans and leases to core deposits | 102.5289% | 983 |
| Total domestic deposits to total assets | 82.5400% | 3,398 |
| Equity capital to assets | 17.0253% | 340 |
| Core capital (leverage) ratio | 16.4119% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,407,500 | 3,229 |
| Average earning assets | $168,653,000 | 3,164 |
| Average equity | $29,090,000 | 2,328 |
| Average total loans | $120,159,000 | 2,975 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 2,582 |
| Cost of funding earning assets | 0.3759% | 2,289 |
| Net interest margin | 3.3056% | 2,552 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.9810% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9497% | 2,772 |
| Return on assets (ROA) | 0.9497% | 2,719 |
| Pretax return on assets | 1.2689% | 2,204 |
| Return on Equity (ROE) | 5.9700% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.9726% | 2,657 |
| Net charge-offs to loans | -0.0639% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9559% | 2,915 |
| Assets per employee ($millions) | 8.7575% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 866 |
| Loan loss allowance to noncurrent loans | 263.1440% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 1,185 |
| Noncurrent loans to loans | 0.6292% | 1,177 |
| Net loans and leases to total assets | 67.5500% | 1,879 |
| Net loans and leases to deposits | 80.9624% | 1,697 |
| Net loans and leases to core deposits | 100.3486% | 985 |
| Total domestic deposits to total assets | 83.4300% | 3,327 |
| Equity capital to assets | 16.3363% | 365 |
| Core capital (leverage) ratio | 15.9496% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,113,200 | 3,234 |
| Average earning assets | $168,684,200 | 3,171 |
| Average equity | $27,843,800 | 2,435 |
| Average total loans | $115,835,200 | 2,964 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4804% | 2,681 |
| Cost of funding earning assets | 0.2629% | 2,571 |
| Net interest margin | 3.2175% | 2,574 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.7848% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0439% | 2,304 |
| Return on assets (ROA) | 1.0439% | 2,271 |
| Pretax return on assets | 1.3774% | 1,790 |
| Return on Equity (ROE) | 6.6100% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.6107% | 2,513 |
| Net charge-offs to loans | -0.0256% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4411% | 3,578 |
| Assets per employee ($millions) | 8.8716% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 861 |
| Loan loss allowance to noncurrent loans | 190.9449% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 924 |
| Noncurrent loans to loans | 0.8944% | 876 |
| Net loans and leases to total assets | 62.9300% | 2,201 |
| Net loans and leases to deposits | 75.0400% | 1,956 |
| Net loans and leases to core deposits | 91.0535% | 1,233 |
| Total domestic deposits to total assets | 83.8600% | 3,531 |
| Equity capital to assets | 15.9617% | 375 |
| Core capital (leverage) ratio | 15.9913% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $175,104,000 | 3,256 |
| Average earning assets | $168,405,750 | 3,193 |
| Average equity | $27,651,500 | 2,482 |
| Average total loans | $114,718,000 | 2,988 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 2,430 |
| Cost of funding earning assets | 0.2011% | 2,897 |
| Net interest margin | 3.1996% | 2,189 |
| Noninterest income to average assets | 0.0711% | 4,579 |
| Noninterest expense to average assets | 2.0295% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8604% | 2,731 |
| Return on assets (ROA) | 0.8604% | 2,708 |
| Pretax return on assets | 1.1266% | 2,317 |
| Return on Equity (ROE) | 5.4688% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.4688% | 2,531 |
| Net charge-offs to loans | -0.0052% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3039% | 2,736 |
| Assets per employee ($millions) | 7.9302% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 1,067 |
| Loan loss allowance to noncurrent loans | 233.4143% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 1,207 |
| Noncurrent loans to loans | 0.7033% | 1,226 |
| Net loans and leases to total assets | 65.9714% | 1,698 |
| Net loans and leases to deposits | 78.5313% | 1,497 |
| Net loans and leases to core deposits | 95.6011% | 846 |
| Total domestic deposits to total assets | 84.0065% | 3,683 |
| Equity capital to assets | 15.8771% | 343 |
| Core capital (leverage) ratio | 15.4377% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,328,333 | 3,294 |
| Average earning assets | $168,083,000 | 3,236 |
| Average equity | $27,428,333 | 2,556 |
| Average total loans | $115,091,333 | 3,002 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3020% | 2,384 |
| Cost of funding earning assets | 0.1948% | 2,868 |
| Net interest margin | 3.1072% | 2,148 |
| Noninterest income to average assets | 0.0780% | 4,583 |
| Noninterest expense to average assets | 1.0123% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5724% | 551 |
| Return on assets (ROA) | 1.5724% | 542 |
| Pretax return on assets | 2.0682% | 315 |
| Return on Equity (ROE) | 10.0394% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.0394% | 1,008 |
| Net charge-offs to loans | -0.0035% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8614% | 4,720 |
| Assets per employee ($millions) | 8.0970% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,135 |
| Loan loss allowance to noncurrent loans | 159.3854% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 857 |
| Noncurrent loans to loans | 1.0402% | 868 |
| Net loans and leases to total assets | 63.9021% | 1,634 |
| Net loans and leases to deposits | 75.8137% | 1,467 |
| Net loans and leases to core deposits | 92.0368% | 812 |
| Total domestic deposits to total assets | 84.2883% | 3,709 |
| Equity capital to assets | 15.5135% | 352 |
| Core capital (leverage) ratio | 15.2655% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,260,000 | 3,313 |
| Average earning assets | $168,383,500 | 3,243 |
| Average equity | $27,292,500 | 2,645 |
| Average total loans | $114,128,000 | 3,012 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 3,145 |
| Cost of funding earning assets | 0.2420% | 3,031 |
| Net interest margin | 3.0785% | 2,969 |
| Noninterest income to average assets | 0.0649% | 4,691 |
| Noninterest expense to average assets | 1.7337% | 4,250 |
| Loan and lease loss provision to assets | 0.0877% | 1,410 |
| Net operating income to assets | 0.8996% | 3,047 |
| Return on assets (ROA) | 0.8996% | 3,105 |
| Pretax return on assets | 1.2176% | 2,604 |
| Return on Equity (ROE) | 5.8559% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.8559% | 2,419 |
| Net charge-offs to loans | -0.0100% | 3,740 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0494% | 3,571 |
| Assets per employee ($millions) | 8.1136% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 1,037 |
| Loan loss allowance to noncurrent loans | 5,641.1765% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,936 |
| Noncurrent loans to loans | 0.0302% | 3,856 |
| Net loans and leases to total assets | 64.9042% | 1,593 |
| Net loans and leases to deposits | 77.1878% | 1,478 |
| Net loans and leases to core deposits | 94.6774% | 748 |
| Total domestic deposits to total assets | 84.0860% | 3,536 |
| Equity capital to assets | 15.8171% | 400 |
| Core capital (leverage) ratio | 15.3371% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,076,600 | 3,292 |
| Average earning assets | $165,273,200 | 3,228 |
| Average equity | $26,281,000 | 2,763 |
| Average total loans | $110,513,800 | 3,074 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 3,373 |
| Cost of funding earning assets | 0.2562% | 3,059 |
| Net interest margin | 3.0517% | 3,175 |
| Noninterest income to average assets | 0.0662% | 4,763 |
| Noninterest expense to average assets | 1.6381% | 4,416 |
| Loan and lease loss provision to assets | 0.0777% | 1,516 |
| Net operating income to assets | 0.9865% | 2,962 |
| Return on assets (ROA) | 0.9865% | 3,039 |
| Pretax return on assets | 1.2994% | 2,628 |
| Return on Equity (ROE) | 6.4690% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.4690% | 2,629 |
| Net charge-offs to loans | -0.0085% | 3,608 |
| Credit loss provision to net charge-offs | -1,428.5714% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3248% | 3,764 |
| Assets per employee ($millions) | 8.4791% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,136 |
| Loan loss allowance to noncurrent loans | 8,876.1905% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,142 |
| Noncurrent loans to loans | 0.0190% | 4,056 |
| Net loans and leases to total assets | 64.1412% | 1,753 |
| Net loans and leases to deposits | 76.2040% | 1,651 |
| Net loans and leases to core deposits | 93.2665% | 860 |
| Total domestic deposits to total assets | 84.1705% | 3,415 |
| Equity capital to assets | 15.7316% | 445 |
| Core capital (leverage) ratio | 15.4445% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,249,500 | 3,322 |
| Average earning assets | $165,501,250 | 3,260 |
| Average equity | $26,113,750 | 2,809 |
| Average total loans | $110,016,000 | 3,115 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 3,541 |
| Cost of funding earning assets | 0.2766% | 3,026 |
| Net interest margin | 2.9812% | 3,372 |
| Noninterest income to average assets | 0.0675% | 4,796 |
| Noninterest expense to average assets | 1.4831% | 4,636 |
| Loan and lease loss provision to assets | 0.0582% | 1,869 |
| Net operating income to assets | 1.0721% | 2,639 |
| Return on assets (ROA) | 1.0721% | 2,716 |
| Pretax return on assets | 1.4121% | 2,294 |
| Return on Equity (ROE) | 7.1049% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.1049% | 2,391 |
| Net charge-offs to loans | -0.0036% | 3,338 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2168% | 4,224 |
| Assets per employee ($millions) | 8.1750% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,243 |
| Loan loss allowance to noncurrent loans | 6,957.6923% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,190 |
| Noncurrent loans to loans | 0.0232% | 4,106 |
| Net loans and leases to total assets | 64.2883% | 1,915 |
| Net loans and leases to deposits | 76.0208% | 1,817 |
| Net loans and leases to core deposits | 92.9187% | 955 |
| Total domestic deposits to total assets | 84.5668% | 3,264 |
| Equity capital to assets | 15.3383% | 481 |
| Core capital (leverage) ratio | 14.9292% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,805,333 | 3,320 |
| Average earning assets | $166,309,333 | 3,260 |
| Average equity | $25,925,667 | 2,815 |
| Average total loans | $109,809,333 | 3,133 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1912% | 3,710 |
| Cost of funding earning assets | 0.3100% | 2,884 |
| Net interest margin | 2.8812% | 3,573 |
| Noninterest income to average assets | 0.0675% | 4,803 |
| Noninterest expense to average assets | 0.9472% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4523% | 1,439 |
| Return on assets (ROA) | 1.4523% | 1,506 |
| Pretax return on assets | 1.9107% | 1,097 |
| Return on Equity (ROE) | 9.7036% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.7036% | 1,740 |
| Net charge-offs to loans | -0.0037% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1433% | 4,884 |
| Assets per employee ($millions) | 8.7167% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 1,222 |
| Loan loss allowance to noncurrent loans | 5,670.9677% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,247 |
| Noncurrent loans to loans | 0.0287% | 4,145 |
| Net loans and leases to total assets | 60.9449% | 2,413 |
| Net loans and leases to deposits | 71.8176% | 2,331 |
| Net loans and leases to core deposits | 87.4173% | 1,422 |
| Total domestic deposits to total assets | 84.8606% | 3,160 |
| Equity capital to assets | 14.9335% | 504 |
| Core capital (leverage) ratio | 14.6848% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,870,500 | 3,315 |
| Average earning assets | $166,460,000 | 3,244 |
| Average equity | $25,722,500 | 2,819 |
| Average total loans | $108,626,000 | 3,148 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 2,780 |
| Cost of funding earning assets | 0.7096% | 1,675 |
| Net interest margin | 3.2742% | 3,146 |
| Noninterest income to average assets | 0.0694% | 4,824 |
| Noninterest expense to average assets | 1.7104% | 4,608 |
| Loan and lease loss provision to assets | 0.0938% | 3,179 |
| Net operating income to assets | 1.0478% | 2,109 |
| Return on assets (ROA) | 1.0478% | 2,251 |
| Pretax return on assets | 1.4178% | 1,601 |
| Return on Equity (ROE) | 6.7729% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.7729% | 1,475 |
| Net charge-offs to loans | 0.0129% | 2,872 |
| Credit loss provision to net charge-offs | 1,071.4286% | 749 |
| Earnings coverage of net charge-offs (x) | 172.7143% | 515 |
| Efficiency ratio | 53.0850% | 4,300 |
| Assets per employee ($millions) | 7.7004% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,274 |
| Loan loss allowance to noncurrent loans | 2,019.5402% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,084 |
| Noncurrent loans to loans | 0.0796% | 3,971 |
| Net loans and leases to total assets | 63.4504% | 2,437 |
| Net loans and leases to deposits | 74.7720% | 2,402 |
| Net loans and leases to core deposits | 91.3580% | 1,433 |
| Total domestic deposits to total assets | 84.8584% | 2,821 |
| Equity capital to assets | 14.9999% | 572 |
| Core capital (leverage) ratio | 14.5552% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,961,400 | 3,286 |
| Average earning assets | $154,021,800 | 3,224 |
| Average equity | $24,745,600 | 2,823 |
| Average total loans | $108,236,600 | 3,116 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 2,647 |
| Cost of funding earning assets | 0.7937% | 1,530 |
| Net interest margin | 3.3175% | 3,134 |
| Noninterest income to average assets | 0.0719% | 4,847 |
| Noninterest expense to average assets | 1.5600% | 4,760 |
| Loan and lease loss provision to assets | 0.0844% | 3,257 |
| Net operating income to assets | 1.2267% | 1,558 |
| Return on assets (ROA) | 1.2267% | 1,676 |
| Pretax return on assets | 1.6167% | 1,143 |
| Return on Equity (ROE) | 7.8655% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.8655% | 1,350 |
| Net charge-offs to loans | -0.0025% | 3,914 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8340% | 4,618 |
| Assets per employee ($millions) | 7.4895% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,109 |
| Loan loss allowance to noncurrent loans | 2,267.1053% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,209 |
| Noncurrent loans to loans | 0.0705% | 4,091 |
| Net loans and leases to total assets | 64.3776% | 2,724 |
| Net loans and leases to deposits | 76.1748% | 2,734 |
| Net loans and leases to core deposits | 93.7406% | 1,666 |
| Total domestic deposits to total assets | 84.5130% | 2,628 |
| Equity capital to assets | 15.2843% | 569 |
| Core capital (leverage) ratio | 15.0202% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,599,750 | 3,295 |
| Average earning assets | $151,514,000 | 3,226 |
| Average equity | $24,579,250 | 2,820 |
| Average total loans | $107,984,000 | 3,128 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,766 |
| Cost of funding earning assets | 0.8886% | 1,428 |
| Net interest margin | 3.3107% | 3,356 |
| Noninterest income to average assets | 0.0734% | 4,857 |
| Noninterest expense to average assets | 0.9664% | 5,013 |
| Loan and lease loss provision to assets | 0.1289% | 2,734 |
| Net operating income to assets | 1.6417% | 689 |
| Return on assets (ROA) | 1.6417% | 753 |
| Pretax return on assets | 2.1661% | 382 |
| Return on Equity (ROE) | 10.4522% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.4522% | 698 |
| Net charge-offs to loans | -0.0056% | 4,044 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6326% | 5,018 |
| Assets per employee ($millions) | 7.3611% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,140 |
| Loan loss allowance to noncurrent loans | 2,210.2564% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,290 |
| Noncurrent loans to loans | 0.0698% | 4,186 |
| Net loans and leases to total assets | 67.9496% | 2,362 |
| Net loans and leases to deposits | 80.6232% | 2,360 |
| Net loans and leases to core deposits | 99.6775% | 1,280 |
| Total domestic deposits to total assets | 84.2805% | 2,644 |
| Equity capital to assets | 15.4423% | 544 |
| Core capital (leverage) ratio | 15.4880% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,209,667 | 3,302 |
| Average earning assets | $149,456,667 | 3,227 |
| Average equity | $24,377,667 | 2,826 |
| Average total loans | $108,046,000 | 3,126 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,932 |
| Cost of funding earning assets | 0.9933% | 1,445 |
| Net interest margin | 3.3038% | 3,581 |
| Noninterest income to average assets | 0.0896% | 4,865 |
| Noninterest expense to average assets | 0.9747% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7307% | 477 |
| Return on assets (ROA) | 1.7307% | 528 |
| Pretax return on assets | 2.2866% | 242 |
| Return on Equity (ROE) | 10.9216% | 1,438 |
| Retained earnings to average equity (ytd only) | 10.9216% | 575 |
| Net charge-offs to loans | -0.0038% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8869% | 5,066 |
| Assets per employee ($millions) | 6.9635% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,399 |
| Loan loss allowance to noncurrent loans | 1,060.1307% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 4,114 |
| Noncurrent loans to loans | 0.1398% | 3,966 |
| Net loans and leases to total assets | 70.3571% | 2,194 |
| Net loans and leases to deposits | 84.0835% | 2,215 |
| Net loans and leases to core deposits | 103.8872% | 1,194 |
| Total domestic deposits to total assets | 83.6753% | 2,897 |
| Equity capital to assets | 15.9213% | 600 |
| Core capital (leverage) ratio | 15.6083% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,842,000 | 3,306 |
| Average earning assets | $145,772,000 | 3,229 |
| Average equity | $24,062,500 | 2,845 |
| Average total loans | $106,186,500 | 3,137 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 2,513 |
| Cost of funding earning assets | 1.0732% | 1,423 |
| Net interest margin | 3.5592% | 3,255 |
| Noninterest income to average assets | 0.0846% | 4,961 |
| Noninterest expense to average assets | 1.7794% | 4,794 |
| Loan and lease loss provision to assets | 0.0672% | 2,673 |
| Net operating income to assets | 1.2353% | 1,926 |
| Return on assets (ROA) | 1.2353% | 2,010 |
| Pretax return on assets | 1.6531% | 1,328 |
| Return on Equity (ROE) | 8.0426% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.0426% | 964 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8445% | 4,684 |
| Assets per employee ($millions) | 6.8403% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,036 |
| Loan loss allowance to noncurrent loans | 2,794.8276% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,444 |
| Noncurrent loans to loans | 0.0563% | 4,314 |
| Net loans and leases to total assets | 67.3447% | 2,780 |
| Net loans and leases to deposits | 80.1837% | 2,760 |
| Net loans and leases to core deposits | 99.3997% | 1,617 |
| Total domestic deposits to total assets | 83.9880% | 2,848 |
| Equity capital to assets | 15.7715% | 644 |
| Core capital (leverage) ratio | 15.6008% | 574 |
| Tier 1 risk-based capital ratio | 24.5695% | 783 |
| Total risk-based capital ratio | 25.8252% | 765 |
| Memoranda: | ||
| Average total assets | $148,869,200 | 3,316 |
| Average earning assets | $142,842,200 | 3,245 |
| Average equity | $22,865,600 | 2,877 |
| Average total loans | $106,333,800 | 3,138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 2,455 |
| Cost of funding earning assets | 1.0804% | 1,427 |
| Net interest margin | 3.6080% | 3,227 |
| Noninterest income to average assets | 0.0871% | 5,027 |
| Noninterest expense to average assets | 1.7000% | 4,924 |
| Loan and lease loss provision to assets | 0.0898% | 2,107 |
| Net operating income to assets | 1.3345% | 1,705 |
| Return on assets (ROA) | 1.3345% | 1,779 |
| Pretax return on assets | 1.7611% | 1,180 |
| Return on Equity (ROE) | 8.7480% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.7480% | 1,118 |
| Net charge-offs to loans | 0.0025% | 3,343 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 1,029.1873% | 89 |
| Efficiency ratio | 47.8756% | 4,859 |
| Assets per employee ($millions) | 6.9081% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,103 |
| Loan loss allowance to noncurrent loans | 3,444.6809% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,567 |
| Noncurrent loans to loans | 0.0451% | 4,449 |
| Net loans and leases to total assets | 70.6721% | 2,380 |
| Net loans and leases to deposits | 84.5775% | 2,370 |
| Net loans and leases to core deposits | 103.7367% | 1,343 |
| Total domestic deposits to total assets | 83.5590% | 2,974 |
| Equity capital to assets | 16.1170% | 612 |
| Core capital (leverage) ratio | 15.5898% | 625 |
| Tier 1 risk-based capital ratio | 23.8959% | 854 |
| Total risk-based capital ratio | 25.1508% | 838 |
| Memoranda: | ||
| Average total assets | $148,464,750 | 3,355 |
| Average earning assets | $142,529,750 | 3,280 |
| Average equity | $22,648,500 | 2,922 |
| Average total loans | $107,175,750 | 3,165 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,528 |
| Cost of funding earning assets | 1.0585% | 1,459 |
| Net interest margin | 3.5872% | 3,307 |
| Noninterest income to average assets | 0.0882% | 5,083 |
| Noninterest expense to average assets | 1.8236% | 4,848 |
| Loan and lease loss provision to assets | 0.1337% | 1,387 |
| Net operating income to assets | 1.1966% | 2,162 |
| Return on assets (ROA) | 1.1966% | 2,222 |
| Pretax return on assets | 1.5789% | 1,610 |
| Return on Equity (ROE) | 7.9895% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,401 |
| Net charge-offs to loans | 0.0074% | 2,885 |
| Credit loss provision to net charge-offs | 2,500.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 320.2500% | 248 |
| Efficiency ratio | 51.5690% | 4,683 |
| Assets per employee ($millions) | 6.7592% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,313 |
| Loan loss allowance to noncurrent loans | 2,277.4648% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,527 |
| Noncurrent loans to loans | 0.0653% | 4,387 |
| Net loans and leases to total assets | 72.0481% | 2,212 |
| Net loans and leases to deposits | 85.3695% | 2,326 |
| Net loans and leases to core deposits | 107.0663% | 1,171 |
| Total domestic deposits to total assets | 84.3956% | 2,726 |
| Equity capital to assets | 15.3260% | 741 |
| Core capital (leverage) ratio | 14.9025% | 728 |
| Tier 1 risk-based capital ratio | 22.3154% | 1,021 |
| Total risk-based capital ratio | 23.5689% | 1,003 |
| Memoranda: | ||
| Average total assets | $149,596,330 | 3,356 |
| Average earning assets | $143,791,000 | 3,286 |
| Average equity | $22,404,330 | 2,935 |
| Average total loans | $108,186,670 | 3,167 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 2,644 |
| Cost of funding earning assets | 1.0309% | 1,447 |
| Net interest margin | 3.5361% | 3,476 |
| Noninterest income to average assets | 0.0933% | 5,105 |
| Noninterest expense to average assets | 1.1303% | 5,298 |
| Loan and lease loss provision to assets | 0.1333% | 1,303 |
| Net operating income to assets | 1.6902% | 745 |
| Return on assets (ROA) | 1.6902% | 772 |
| Pretax return on assets | 2.2314% | 414 |
| Return on Equity (ROE) | 11.4175% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.4175% | 719 |
| Net charge-offs to loans | 0.0297% | 1,863 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 110.8750% | 622 |
| Efficiency ratio | 32.3417% | 5,301 |
| Assets per employee ($millions) | 6.7683% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.9608% | 2,168 |
| Net loans and leases to deposits | 85.1797% | 2,229 |
| Net loans and leases to core deposits | 105.6789% | 1,196 |
| Total domestic deposits to total assets | 84.4811% | 2,857 |
| Equity capital to assets | 15.1301% | 730 |
| Core capital (leverage) ratio | 14.5061% | 815 |
| Tier 1 risk-based capital ratio | 22.1846% | 1,031 |
| Total risk-based capital ratio | 23.4384% | 1,008 |
| Memoranda: | ||
| Average total assets | $150,043,500 | 3,386 |
| Average earning assets | $144,341,000 | 3,317 |
| Average equity | $22,211,500 | 2,956 |
| Average total loans | $107,903,000 | 3,197 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,428 |
| Cost of funding earning assets | 0.8062% | 1,492 |
| Net interest margin | 3.4015% | 3,997 |
| Noninterest income to average assets | 0.0937% | 5,171 |
| Noninterest expense to average assets | 1.6188% | 5,159 |
| Loan and lease loss provision to assets | 0.0270% | 3,638 |
| Net operating income to assets | 1.2825% | 1,870 |
| Return on assets (ROA) | 1.2825% | 1,865 |
| Pretax return on assets | 1.7010% | 1,168 |
| Return on Equity (ROE) | 9.0775% | 2,956 |
| Retained earnings to average equity (ytd only) | 9.0775% | 831 |
| Net charge-offs to loans | -0.0420% | 4,919 |
| Credit loss provision to net charge-offs | -88.8889% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3689% | 5,028 |
| Assets per employee ($millions) | 6.8720% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,558 |
| Loan loss allowance to noncurrent loans | 15,210.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,882 |
| Noncurrent loans to loans | 0.0093% | 4,768 |
| Net loans and leases to total assets | 69.8290% | 2,589 |
| Net loans and leases to deposits | 81.8240% | 2,757 |
| Net loans and leases to core deposits | 100.9023% | 1,655 |
| Total domestic deposits to total assets | 85.3405% | 2,490 |
| Equity capital to assets | 14.4816% | 845 |
| Core capital (leverage) ratio | 14.3363% | 835 |
| Tier 1 risk-based capital ratio | 21.1275% | 1,140 |
| Total risk-based capital ratio | 22.3801% | 1,126 |
| Memoranda: | ||
| Average total assets | $148,383,800 | 3,407 |
| Average earning assets | $141,908,200 | 3,340 |
| Average equity | $20,964,000 | 2,999 |
| Average total loans | $107,222,600 | 3,184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 3,450 |
| Cost of funding earning assets | 0.7768% | 1,438 |
| Net interest margin | 3.3756% | 4,079 |
| Noninterest income to average assets | 0.0939% | 5,231 |
| Noninterest expense to average assets | 1.4987% | 5,277 |
| Loan and lease loss provision to assets | 0.0361% | 3,284 |
| Net operating income to assets | 1.3524% | 1,656 |
| Return on assets (ROA) | 1.3524% | 1,664 |
| Pretax return on assets | 1.7840% | 1,048 |
| Return on Equity (ROE) | 9.6340% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.6340% | 1,016 |
| Net charge-offs to loans | -0.0535% | 4,953 |
| Credit loss provision to net charge-offs | -93.0233% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1578% | 5,181 |
| Assets per employee ($millions) | 6.7565% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,642 |
| Loan loss allowance to noncurrent loans | 427.8873% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,771 |
| Noncurrent loans to loans | 0.3308% | 3,485 |
| Net loans and leases to total assets | 71.1804% | 2,466 |
| Net loans and leases to deposits | 83.4239% | 2,663 |
| Net loans and leases to core deposits | 100.3138% | 1,763 |
| Total domestic deposits to total assets | 85.3238% | 2,479 |
| Equity capital to assets | 14.4569% | 835 |
| Core capital (leverage) ratio | 14.2833% | 866 |
| Tier 1 risk-based capital ratio | 20.7800% | 1,214 |
| Total risk-based capital ratio | 22.0329% | 1,186 |
| Memoranda: | ||
| Average total assets | $147,683,500 | 3,448 |
| Average earning assets | $141,085,750 | 3,381 |
| Average equity | $20,731,500 | 3,045 |
| Average total loans | $107,255,250 | 3,207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 3,539 |
| Cost of funding earning assets | 0.7466% | 1,385 |
| Net interest margin | 3.3283% | 4,170 |
| Noninterest income to average assets | 0.0964% | 5,279 |
| Noninterest expense to average assets | 1.6639% | 5,224 |
| Loan and lease loss provision to assets | 0.0543% | 2,824 |
| Net operating income to assets | 1.1835% | 2,264 |
| Return on assets (ROA) | 1.1835% | 2,266 |
| Pretax return on assets | 1.5608% | 1,632 |
| Return on Equity (ROE) | 8.5160% | 3,256 |
| Retained earnings to average equity (ytd only) | 8.5160% | 1,400 |
| Net charge-offs to loans | -0.0168% | 4,495 |
| Credit loss provision to net charge-offs | -444.4444% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7450% | 4,979 |
| Assets per employee ($millions) | 6.6821% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,965 |
| Loan loss allowance to noncurrent loans | 1,879.7468% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,761 |
| Noncurrent loans to loans | 0.0716% | 4,602 |
| Net loans and leases to total assets | 74.0378% | 1,942 |
| Net loans and leases to deposits | 86.4709% | 2,270 |
| Net loans and leases to core deposits | 104.1332% | 1,387 |
| Total domestic deposits to total assets | 85.6217% | 2,443 |
| Equity capital to assets | 14.1919% | 881 |
| Core capital (leverage) ratio | 13.8130% | 958 |
| Tier 1 risk-based capital ratio | 19.5657% | 1,415 |
| Total risk-based capital ratio | 20.8166% | 1,377 |
| Memoranda: | ||
| Average total assets | $147,364,000 | 3,472 |
| Average earning assets | $140,913,670 | 3,398 |
| Average equity | $20,479,000 | 3,082 |
| Average total loans | $107,232,670 | 3,218 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,752 |
| Cost of funding earning assets | 0.7272% | 1,305 |
| Net interest margin | 3.2340% | 4,358 |
| Noninterest income to average assets | 0.1030% | 5,316 |
| Noninterest expense to average assets | 1.0871% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6022% | 856 |
| Return on assets (ROA) | 1.6022% | 858 |
| Pretax return on assets | 2.1146% | 446 |
| Return on Equity (ROE) | 11.6528% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.6528% | 751 |
| Net charge-offs to loans | -0.0189% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9543% | 5,536 |
| Assets per employee ($millions) | 6.7195% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 2,052 |
| Loan loss allowance to noncurrent loans | 4,503.1250% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,005 |
| Noncurrent loans to loans | 0.0298% | 4,846 |
| Net loans and leases to total assets | 71.7158% | 2,221 |
| Net loans and leases to deposits | 83.5831% | 2,441 |
| Net loans and leases to core deposits | 98.6241% | 1,794 |
| Total domestic deposits to total assets | 85.8017% | 2,633 |
| Equity capital to assets | 13.9236% | 911 |
| Core capital (leverage) ratio | 13.5041% | 1,010 |
| Tier 1 risk-based capital ratio | 19.8578% | 1,371 |
| Total risk-based capital ratio | 21.1095% | 1,340 |
| Memoranda: | ||
| Average total assets | $147,543,000 | 3,503 |
| Average earning assets | $141,371,000 | 3,436 |
| Average equity | $20,287,000 | 3,134 |
| Average total loans | $105,686,500 | 3,268 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 3,755 |
| Cost of funding earning assets | 0.6714% | 1,177 |
| Net interest margin | 3.2201% | 4,392 |
| Noninterest income to average assets | 0.0969% | 5,422 |
| Noninterest expense to average assets | 1.3391% | 5,549 |
| Loan and lease loss provision to assets | 0.1092% | 2,062 |
| Net operating income to assets | 1.0764% | 1,956 |
| Return on assets (ROA) | 1.0764% | 1,973 |
| Pretax return on assets | 1.7254% | 948 |
| Return on Equity (ROE) | 8.1856% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.1856% | 697 |
| Net charge-offs to loans | 0.0648% | 2,546 |
| Credit loss provision to net charge-offs | 235.2941% | 1,181 |
| Earnings coverage of net charge-offs (x) | 39.5294% | 1,270 |
| Efficiency ratio | 42.1935% | 5,492 |
| Assets per employee ($millions) | 6.4025% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,835 |
| Loan loss allowance to noncurrent loans | 3,778.9474% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,026 |
| Noncurrent loans to loans | 0.0366% | 4,849 |
| Net loans and leases to total assets | 69.5921% | 2,590 |
| Net loans and leases to deposits | 80.6408% | 2,850 |
| Net loans and leases to core deposits | 95.1152% | 2,108 |
| Total domestic deposits to total assets | 86.2989% | 2,315 |
| Equity capital to assets | 13.5755% | 1,033 |
| Core capital (leverage) ratio | 13.2000% | 1,074 |
| Tier 1 risk-based capital ratio | 19.8971% | 1,343 |
| Total risk-based capital ratio | 21.1495% | 1,309 |
| Memoranda: | ||
| Average total assets | $146,513,000 | 3,516 |
| Average earning assets | $139,995,600 | 3,452 |
| Average equity | $19,265,600 | 3,219 |
| Average total loans | $104,949,200 | 3,264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,727 |
| Cost of funding earning assets | 0.6615% | 1,174 |
| Net interest margin | 3.2223% | 4,396 |
| Noninterest income to average assets | 0.0984% | 5,480 |
| Noninterest expense to average assets | 1.1581% | 5,656 |
| Loan and lease loss provision to assets | 0.0683% | 2,705 |
| Net operating income to assets | 1.2356% | 1,558 |
| Return on assets (ROA) | 1.2356% | 1,587 |
| Pretax return on assets | 1.9481% | 611 |
| Return on Equity (ROE) | 9.4735% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.4735% | 717 |
| Net charge-offs to loans | 0.0900% | 1,898 |
| Credit loss provision to net charge-offs | 105.6338% | 2,199 |
| Earnings coverage of net charge-offs (x) | 31.1704% | 1,519 |
| Efficiency ratio | 36.4811% | 5,634 |
| Assets per employee ($millions) | 7.0208% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,434.0426% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,915 |
| Noncurrent loans to loans | 0.0913% | 4,704 |
| Net loans and leases to total assets | 68.9149% | 2,708 |
| Net loans and leases to deposits | 79.7642% | 2,995 |
| Net loans and leases to core deposits | 91.8472% | 2,453 |
| Total domestic deposits to total assets | 86.3983% | 2,133 |
| Equity capital to assets | 13.4098% | 1,197 |
| Core capital (leverage) ratio | 13.3832% | 1,067 |
| Tier 1 risk-based capital ratio | 20.0410% | 1,355 |
| Total risk-based capital ratio | 21.2928% | 1,320 |
| Memoranda: | ||
| Average total assets | $146,326,750 | 3,544 |
| Average earning assets | $139,687,500 | 3,488 |
| Average equity | $19,084,250 | 3,263 |
| Average total loans | $105,207,500 | 3,287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 3,677 |
| Cost of funding earning assets | 0.6493% | 1,147 |
| Net interest margin | 3.2123% | 4,381 |
| Noninterest income to average assets | 0.1028% | 5,504 |
| Noninterest expense to average assets | 1.2387% | 5,695 |
| Loan and lease loss provision to assets | 0.0685% | 2,597 |
| Net operating income to assets | 1.1839% | 1,653 |
| Return on assets (ROA) | 1.1839% | 1,687 |
| Pretax return on assets | 1.8663% | 717 |
| Return on Equity (ROE) | 9.1645% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.1645% | 791 |
| Net charge-offs to loans | 0.0019% | 3,452 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 1,412.0000% | 39 |
| Efficiency ratio | 39.0328% | 5,645 |
| Assets per employee ($millions) | 6.9517% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,455 |
| Loan loss allowance to noncurrent loans | 149.7849% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 2,648 |
| Noncurrent loans to loans | 0.8621% | 2,259 |
| Net loans and leases to total assets | 72.9376% | 2,053 |
| Net loans and leases to deposits | 84.1870% | 2,446 |
| Net loans and leases to core deposits | 100.7866% | 1,596 |
| Total domestic deposits to total assets | 86.6377% | 2,116 |
| Equity capital to assets | 13.2062% | 1,276 |
| Core capital (leverage) ratio | 12.8613% | 1,236 |
| Tier 1 risk-based capital ratio | 18.7247% | 1,659 |
| Total risk-based capital ratio | 19.9763% | 1,624 |
| Memoranda: | ||
| Average total assets | $145,956,670 | 3,571 |
| Average earning assets | $139,527,670 | 3,503 |
| Average equity | $18,855,330 | 3,297 |
| Average total loans | $105,958,670 | 3,280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 3,769 |
| Cost of funding earning assets | 0.6429% | 1,109 |
| Net interest margin | 3.1542% | 4,488 |
| Noninterest income to average assets | 0.1124% | 5,546 |
| Noninterest expense to average assets | 1.0114% | 5,802 |
| Loan and lease loss provision to assets | 0.1370% | 1,388 |
| Net operating income to assets | 1.2525% | 1,370 |
| Return on assets (ROA) | 1.2525% | 1,403 |
| Pretax return on assets | 1.9761% | 529 |
| Return on Equity (ROE) | 9.8050% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.8050% | 857 |
| Net charge-offs to loans | -0.0686% | 5,316 |
| Credit loss provision to net charge-offs | -277.7778% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3684% | 5,790 |
| Assets per employee ($millions) | 7.3417% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,394 |
| Loan loss allowance to noncurrent loans | 157.9418% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,815 |
| Noncurrent loans to loans | 0.8417% | 2,353 |
| Net loans and leases to total assets | 71.3752% | 2,156 |
| Net loans and leases to deposits | 82.1830% | 2,485 |
| Net loans and leases to core deposits | 96.4167% | 1,789 |
| Total domestic deposits to total assets | 86.8491% | 2,288 |
| Equity capital to assets | 12.8526% | 1,324 |
| Core capital (leverage) ratio | 12.4209% | 1,376 |
| Tier 1 risk-based capital ratio | 18.6227% | 1,715 |
| Total risk-based capital ratio | 19.8748% | 1,669 |
| Memoranda: | ||
| Average total assets | $145,942,500 | 3,603 |
| Average earning assets | $139,369,000 | 3,538 |
| Average equity | $18,643,500 | 3,328 |
| Average total loans | $105,002,500 | 3,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,084 |
| Cost of funding earning assets | 0.6413% | 1,094 |
| Net interest margin | 3.3918% | 3,846 |
| Noninterest income to average assets | 0.1059% | 5,629 |
| Noninterest expense to average assets | 1.3806% | 5,784 |
| Loan and lease loss provision to assets | 0.1813% | 1,316 |
| Net operating income to assets | 1.0877% | 1,945 |
| Return on assets (ROA) | 1.0877% | 2,052 |
| Pretax return on assets | 1.7809% | 838 |
| Return on Equity (ROE) | 8.4542% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.4542% | 715 |
| Net charge-offs to loans | 0.0497% | 3,053 |
| Credit loss provision to net charge-offs | 480.7692% | 683 |
| Earnings coverage of net charge-offs (x) | 52.0385% | 988 |
| Efficiency ratio | 41.3015% | 5,765 |
| Assets per employee ($millions) | 7.2526% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,574 |
| Loan loss allowance to noncurrent loans | 155.9165% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,947 |
| Noncurrent loans to loans | 0.8305% | 2,447 |
| Net loans and leases to total assets | 70.6276% | 2,388 |
| Net loans and leases to deposits | 80.9997% | 2,781 |
| Net loans and leases to core deposits | 95.1596% | 1,996 |
| Total domestic deposits to total assets | 87.1948% | 2,026 |
| Equity capital to assets | 12.6955% | 1,401 |
| Core capital (leverage) ratio | 12.6168% | 1,292 |
| Tier 1 risk-based capital ratio | 18.1971% | 1,800 |
| Total risk-based capital ratio | 19.4480% | 1,761 |
| Memoranda: | ||
| Average total assets | $137,907,600 | 3,705 |
| Average earning assets | $131,611,400 | 3,624 |
| Average equity | $17,742,600 | 3,447 |
| Average total loans | $104,731,800 | 3,303 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 2,886 |
| Cost of funding earning assets | 0.6396% | 1,099 |
| Net interest margin | 3.4584% | 3,637 |
| Noninterest income to average assets | 0.1077% | 5,680 |
| Noninterest expense to average assets | 1.2528% | 5,884 |
| Loan and lease loss provision to assets | 0.1469% | 1,598 |
| Net operating income to assets | 1.2900% | 1,321 |
| Return on assets (ROA) | 1.2900% | 1,425 |
| Pretax return on assets | 2.0129% | 554 |
| Return on Equity (ROE) | 9.9915% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.9915% | 578 |
| Net charge-offs to loans | -0.0191% | 4,987 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7107% | 5,883 |
| Assets per employee ($millions) | 6.8246% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,987 |
| Loan loss allowance to noncurrent loans | 111.7647% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 2,404 |
| Noncurrent loans to loans | 1.1143% | 2,023 |
| Net loans and leases to total assets | 76.1649% | 1,498 |
| Net loans and leases to deposits | 88.0523% | 2,011 |
| Net loans and leases to core deposits | 103.4408% | 1,385 |
| Total domestic deposits to total assets | 86.4996% | 2,126 |
| Equity capital to assets | 13.3576% | 1,318 |
| Core capital (leverage) ratio | 12.9255% | 1,217 |
| Tier 1 risk-based capital ratio | 17.8487% | 1,959 |
| Total risk-based capital ratio | 19.0995% | 1,925 |
| Memoranda: | ||
| Average total assets | $136,121,750 | 3,749 |
| Average earning assets | $130,077,250 | 3,670 |
| Average equity | $17,574,500 | 3,502 |
| Average total loans | $104,967,250 | 3,307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,053 |
| Cost of funding earning assets | 0.6337% | 1,124 |
| Net interest margin | 3.4194% | 3,809 |
| Noninterest income to average assets | 0.1088% | 5,748 |
| Noninterest expense to average assets | 1.2632% | 5,960 |
| Loan and lease loss provision to assets | 0.2206% | 946 |
| Net operating income to assets | 1.2132% | 1,552 |
| Return on assets (ROA) | 1.2132% | 1,647 |
| Pretax return on assets | 1.8941% | 707 |
| Return on Equity (ROE) | 9.5042% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.5042% | 716 |
| Net charge-offs to loans | -0.0229% | 5,000 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3966% | 5,952 |
| Assets per employee ($millions) | 6.8155% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,224 |
| Loan loss allowance to noncurrent loans | 254.4747% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,979 |
| Noncurrent loans to loans | 0.4810% | 3,645 |
| Net loans and leases to total assets | 77.4382% | 1,266 |
| Net loans and leases to deposits | 89.1505% | 1,847 |
| Net loans and leases to core deposits | 103.1012% | 1,391 |
| Total domestic deposits to total assets | 86.8623% | 1,978 |
| Equity capital to assets | 13.0145% | 1,491 |
| Core capital (leverage) ratio | 12.6425% | 1,286 |
| Tier 1 risk-based capital ratio | 17.2745% | 2,137 |
| Total risk-based capital ratio | 18.5248% | 2,099 |
| Memoranda: | ||
| Average total assets | $136,003,670 | 3,781 |
| Average earning assets | $130,024,670 | 3,689 |
| Average equity | $17,360,670 | 3,532 |
| Average total loans | $104,866,330 | 3,324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,006 |
| Cost of funding earning assets | 0.6408% | 1,100 |
| Net interest margin | 3.4167% | 3,814 |
| Noninterest income to average assets | 0.1119% | 5,783 |
| Noninterest expense to average assets | 1.0453% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5075% | 838 |
| Return on assets (ROA) | 1.5075% | 880 |
| Pretax return on assets | 2.3320% | 305 |
| Return on Equity (ROE) | 11.9271% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.9271% | 516 |
| Net charge-offs to loans | -0.0154% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9503% | 6,067 |
| Assets per employee ($millions) | 6.9251% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,223.4043% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,324 |
| Noncurrent loans to loans | 0.0897% | 5,115 |
| Net loans and leases to total assets | 74.8170% | 1,595 |
| Net loans and leases to deposits | 85.8908% | 2,070 |
| Net loans and leases to core deposits | 96.2780% | 1,765 |
| Total domestic deposits to total assets | 87.1070% | 2,152 |
| Equity capital to assets | 12.5825% | 1,631 |
| Core capital (leverage) ratio | 12.3863% | 1,384 |
| Tier 1 risk-based capital ratio | 17.0171% | 2,283 |
| Total risk-based capital ratio | 18.1806% | 2,263 |
| Memoranda: | ||
| Average total assets | $135,850,500 | 3,806 |
| Average earning assets | $129,831,000 | 3,718 |
| Average equity | $17,171,000 | 3,555 |
| Average total loans | $103,867,500 | 3,358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,261 |
| Cost of funding earning assets | 0.6066% | 1,329 |
| Net interest margin | 3.4078% | 3,877 |
| Noninterest income to average assets | 0.1021% | 5,869 |
| Noninterest expense to average assets | 1.3452% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2923% | 1,287 |
| Return on assets (ROA) | 1.2923% | 1,333 |
| Pretax return on assets | 2.0227% | 517 |
| Return on Equity (ROE) | 10.7719% | 1,699 |
| Retained earnings to average equity (ytd only) | 10.7719% | 367 |
| Net charge-offs to loans | -0.0222% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9425% | 6,065 |
| Assets per employee ($millions) | 7.3999% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,976 |
| Loan loss allowance to noncurrent loans | 1,245.6522% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 5,355 |
| Noncurrent loans to loans | 0.0894% | 5,136 |
| Net loans and leases to total assets | 76.4390% | 1,342 |
| Net loans and leases to deposits | 87.6606% | 1,921 |
| Net loans and leases to core deposits | 99.2001% | 1,579 |
| Total domestic deposits to total assets | 87.1989% | 2,035 |
| Equity capital to assets | 12.6990% | 1,509 |
| Core capital (leverage) ratio | 12.3203% | 1,438 |
| Tier 1 risk-based capital ratio | 16.9870% | 2,290 |
| Total risk-based capital ratio | 18.1808% | 2,258 |
| Memoranda: | ||
| Average total assets | $134,176,800 | 3,813 |
| Average earning assets | $128,588,600 | 3,730 |
| Average equity | $16,097,400 | 3,662 |
| Average total loans | $103,595,400 | 3,322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,268 |
| Cost of funding earning assets | 0.6034% | 1,385 |
| Net interest margin | 3.4140% | 3,896 |
| Noninterest income to average assets | 0.1091% | 5,919 |
| Noninterest expense to average assets | 1.1823% | 6,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4065% | 1,094 |
| Return on assets (ROA) | 1.4065% | 1,138 |
| Pretax return on assets | 2.1931% | 422 |
| Return on Equity (ROE) | 11.8959% | 1,401 |
| Retained earnings to average equity (ytd only) | 11.8959% | 378 |
| Net charge-offs to loans | -0.0257% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0279% | 6,193 |
| Assets per employee ($millions) | 8.4499% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 4,144 |
| Loan loss allowance to noncurrent loans | 1,968.9655% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,607 |
| Noncurrent loans to loans | 0.0566% | 5,392 |
| Net loans and leases to total assets | 74.9643% | 1,553 |
| Net loans and leases to deposits | 85.6048% | 2,194 |
| Net loans and leases to core deposits | 95.4889% | 1,934 |
| Total domestic deposits to total assets | 87.5702% | 1,765 |
| Equity capital to assets | 12.2775% | 1,890 |
| Core capital (leverage) ratio | 12.0285% | 1,661 |
| Tier 1 risk-based capital ratio | 16.6076% | 2,520 |
| Total risk-based capital ratio | 17.7937% | 2,513 |
| Memoranda: | ||
| Average total assets | $134,421,250 | 3,855 |
| Average earning assets | $128,605,750 | 3,763 |
| Average equity | $15,893,000 | 3,729 |
| Average total loans | $103,753,750 | 3,347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,291 |
| Cost of funding earning assets | 0.6030% | 1,393 |
| Net interest margin | 3.3959% | 3,923 |
| Noninterest income to average assets | 0.1029% | 6,018 |
| Noninterest expense to average assets | 1.1702% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4117% | 1,067 |
| Return on assets (ROA) | 1.4117% | 1,104 |
| Pretax return on assets | 2.1899% | 425 |
| Return on Equity (ROE) | 12.0963% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.0963% | 384 |
| Net charge-offs to loans | -0.0288% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8270% | 6,268 |
| Assets per employee ($millions) | 7.4338% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 4,430 |
| Loan loss allowance to noncurrent loans | 217.1756% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 4,337 |
| Noncurrent loans to loans | 0.4981% | 3,971 |
| Net loans and leases to total assets | 77.7638% | 1,100 |
| Net loans and leases to deposits | 88.5446% | 1,766 |
| Net loans and leases to core deposits | 97.1814% | 1,708 |
| Total domestic deposits to total assets | 87.8244% | 1,742 |
| Equity capital to assets | 12.0530% | 1,980 |
| Core capital (leverage) ratio | 11.7287% | 1,820 |
| Tier 1 risk-based capital ratio | 15.6523% | 3,022 |
| Total risk-based capital ratio | 16.8000% | 3,023 |
| Memoranda: | ||
| Average total assets | $134,162,000 | 3,889 |
| Average earning assets | $128,683,330 | 3,782 |
| Average equity | $15,657,670 | 3,789 |
| Average total loans | $104,174,000 | 3,356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,476 |
| Cost of funding earning assets | 0.6044% | 1,400 |
| Net interest margin | 3.3319% | 4,088 |
| Noninterest income to average assets | 0.1131% | 6,027 |
| Noninterest expense to average assets | 1.0719% | 6,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4382% | 963 |
| Return on assets (ROA) | 1.4382% | 1,020 |
| Pretax return on assets | 2.2421% | 359 |
| Return on Equity (ROE) | 12.5272% | 1,211 |
| Retained earnings to average equity (ytd only) | 12.5272% | 501 |
| Net charge-offs to loans | -0.0309% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3450% | 6,350 |
| Assets per employee ($millions) | 7.0017% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 4,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.5845% | 983 |
| Net loans and leases to deposits | 88.1612% | 1,596 |
| Net loans and leases to core deposits | 97.5299% | 1,517 |
| Total domestic deposits to total assets | 88.0030% | 1,819 |
| Equity capital to assets | 11.7745% | 2,220 |
| Core capital (leverage) ratio | 11.2238% | 2,213 |
| Tier 1 risk-based capital ratio | 15.2870% | 3,275 |
| Total risk-based capital ratio | 16.4353% | 3,249 |
| Memoranda: | ||
| Average total assets | $134,338,500 | 3,917 |
| Average earning assets | $129,057,000 | 3,806 |
| Average equity | $15,422,500 | 3,850 |
| Average total loans | $103,664,500 | 3,385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 3,115 |
| Cost of funding earning assets | 0.6228% | 1,588 |
| Net interest margin | 3.5285% | 3,690 |
| Noninterest income to average assets | 0.1115% | 6,114 |
| Noninterest expense to average assets | 1.3214% | 6,389 |
| Loan and lease loss provision to assets | 0.0922% | 2,623 |
| Net operating income to assets | 1.3222% | 1,261 |
| Return on assets (ROA) | 1.3222% | 1,301 |
| Pretax return on assets | 2.0601% | 453 |
| Return on Equity (ROE) | 11.9365% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.9365% | 304 |
| Net charge-offs to loans | 0.0976% | 3,112 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,412 |
| Efficiency ratio | 36.3576% | 6,437 |
| Assets per employee ($millions) | 7.5358% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.0951% | 1,405 |
| Net loans and leases to deposits | 84.6501% | 2,145 |
| Net loans and leases to core deposits | 94.4987% | 1,867 |
| Total domestic deposits to total assets | 88.7124% | 1,408 |
| Equity capital to assets | 11.1918% | 2,709 |
| Core capital (leverage) ratio | 10.9068% | 2,489 |
| Tier 1 risk-based capital ratio | 14.7969% | 3,603 |
| Total risk-based capital ratio | 15.9371% | 3,591 |
| Memoranda: | ||
| Average total assets | $130,088,800 | 3,974 |
| Average earning assets | $123,962,400 | 3,884 |
| Average equity | $14,409,600 | 3,958 |
| Average total loans | $102,444,800 | 3,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,937 |
| Cost of funding earning assets | 0.6236% | 1,652 |
| Net interest margin | 3.5924% | 3,456 |
| Noninterest income to average assets | 0.1088% | 6,212 |
| Noninterest expense to average assets | 1.0940% | 6,508 |
| Loan and lease loss provision to assets | 0.0363% | 3,682 |
| Net operating income to assets | 1.5363% | 869 |
| Return on assets (ROA) | 1.5363% | 905 |
| Pretax return on assets | 2.3921% | 260 |
| Return on Equity (ROE) | 13.9081% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.9081% | 260 |
| Net charge-offs to loans | -0.0443% | 5,865 |
| Credit loss provision to net charge-offs | -102.9412% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0588% | 6,535 |
| Assets per employee ($millions) | 7.2179% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,447 |
| Loan loss allowance to noncurrent loans | 714.6341% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 5,607 |
| Noncurrent loans to loans | 0.1622% | 5,426 |
| Net loans and leases to total assets | 76.9100% | 1,104 |
| Net loans and leases to deposits | 87.0106% | 1,789 |
| Net loans and leases to core deposits | 95.0887% | 1,749 |
| Total domestic deposits to total assets | 88.3915% | 1,558 |
| Equity capital to assets | 11.5023% | 2,484 |
| Core capital (leverage) ratio | 11.1102% | 2,387 |
| Tier 1 risk-based capital ratio | 14.8539% | 3,678 |
| Total risk-based capital ratio | 16.0747% | 3,626 |
| Memoranda: | ||
| Average total assets | $128,700,000 | 4,032 |
| Average earning assets | $122,292,750 | 3,941 |
| Average equity | $14,216,750 | 4,015 |
| Average total loans | $102,309,750 | 3,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,927 |
| Cost of funding earning assets | 0.6192% | 1,739 |
| Net interest margin | 3.5877% | 3,415 |
| Noninterest income to average assets | 0.1107% | 6,239 |
| Noninterest expense to average assets | 1.0133% | 6,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6104% | 689 |
| Return on assets (ROA) | 1.6104% | 717 |
| Pretax return on assets | 2.5114% | 203 |
| Return on Equity (ROE) | 14.7843% | 828 |
| Retained earnings to average equity (ytd only) | 14.7843% | 224 |
| Net charge-offs to loans | -0.0292% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7483% | 6,613 |
| Assets per employee ($millions) | 7.0973% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 5,057 |
| Loan loss allowance to noncurrent loans | 5,323.8095% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 6,098 |
| Noncurrent loans to loans | 0.0200% | 6,010 |
| Net loans and leases to total assets | 81.4790% | 522 |
| Net loans and leases to deposits | 92.0255% | 1,148 |
| Net loans and leases to core deposits | 101.2105% | 1,188 |
| Total domestic deposits to total assets | 88.5395% | 1,611 |
| Equity capital to assets | 11.3454% | 2,559 |
| Core capital (leverage) ratio | 10.9282% | 2,500 |
| Tier 1 risk-based capital ratio | 13.9047% | 4,320 |
| Total risk-based capital ratio | 15.0304% | 4,353 |
| Memoranda: | ||
| Average total assets | $128,292,670 | 4,067 |
| Average earning assets | $122,083,670 | 3,969 |
| Average equity | $13,974,330 | 4,050 |
| Average total loans | $102,714,670 | 3,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 3,257 |
| Cost of funding earning assets | 0.6144% | 1,860 |
| Net interest margin | 3.4912% | 3,736 |
| Noninterest income to average assets | 0.1213% | 6,243 |
| Noninterest expense to average assets | 1.0018% | 6,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5743% | 699 |
| Return on assets (ROA) | 1.5743% | 726 |
| Pretax return on assets | 2.4611% | 238 |
| Return on Equity (ROE) | 14.7581% | 816 |
| Retained earnings to average equity (ytd only) | 14.7581% | 340 |
| Net charge-offs to loans | -0.0355% | 5,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.9308% | 6,681 |
| Assets per employee ($millions) | 7.1781% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,175 |
| Loan loss allowance to noncurrent loans | 2,527.2727% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 6,116 |
| Noncurrent loans to loans | 0.0430% | 6,020 |
| Net loans and leases to total assets | 78.3840% | 723 |
| Net loans and leases to deposits | 88.2041% | 1,334 |
| Net loans and leases to core deposits | 95.7150% | 1,405 |
| Total domestic deposits to total assets | 88.8665% | 1,742 |
| Equity capital to assets | 10.8107% | 2,927 |
| Core capital (leverage) ratio | 10.2958% | 3,177 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,587 |
| Total risk-based capital ratio | 14.7807% | 4,598 |
| Memoranda: | ||
| Average total assets | $128,563,000 | 4,092 |
| Average earning assets | $123,051,000 | 3,983 |
| Average equity | $13,714,500 | 4,102 |
| Average total loans | $101,467,500 | 3,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 3,459 |
| Cost of funding earning assets | 0.6271% | 2,413 |
| Net interest margin | 3.5421% | 3,722 |
| Noninterest income to average assets | 0.2818% | 5,343 |
| Noninterest expense to average assets | 1.2934% | 6,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5013% | 823 |
| Return on assets (ROA) | 1.5013% | 862 |
| Pretax return on assets | 2.3756% | 239 |
| Return on Equity (ROE) | 14.8498% | 794 |
| Retained earnings to average equity (ytd only) | 14.8498% | 173 |
| Net charge-offs to loans | -0.1147% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2516% | 6,737 |
| Assets per employee ($millions) | 7.1067% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,166 |
| Loan loss allowance to noncurrent loans | 430.8594% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,627 |
| Noncurrent loans to loans | 0.2546% | 5,415 |
| Net loans and leases to total assets | 77.7386% | 854 |
| Net loans and leases to deposits | 87.0796% | 1,564 |
| Net loans and leases to core deposits | 99.1288% | 1,226 |
| Total domestic deposits to total assets | 89.2731% | 1,446 |
| Equity capital to assets | 10.5229% | 3,125 |
| Core capital (leverage) ratio | 10.1180% | 3,402 |
| Tier 1 risk-based capital ratio | 13.3479% | 4,748 |
| Total risk-based capital ratio | 14.5002% | 4,764 |
| Memoranda: | ||
| Average total assets | $124,556,600 | 4,168 |
| Average earning assets | $119,110,400 | 4,064 |
| Average equity | $12,592,800 | 4,334 |
| Average total loans | $95,924,000 | 3,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,445 |
| Cost of funding earning assets | 0.6265% | 2,587 |
| Net interest margin | 3.5572% | 3,624 |
| Noninterest income to average assets | 0.3513% | 4,880 |
| Noninterest expense to average assets | 1.0971% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7082% | 623 |
| Return on assets (ROA) | 1.7082% | 649 |
| Pretax return on assets | 2.6501% | 200 |
| Return on Equity (ROE) | 17.0760% | 532 |
| Retained earnings to average equity (ytd only) | 17.0760% | 130 |
| Net charge-offs to loans | -0.2068% | 6,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2781% | 6,840 |
| Assets per employee ($millions) | 6.8926% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,291 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.6279% | 593 |
| Net loans and leases to deposits | 89.3536% | 1,238 |
| Net loans and leases to core deposits | 100.2018% | 1,102 |
| Total domestic deposits to total assets | 89.1156% | 1,499 |
| Equity capital to assets | 10.6201% | 3,143 |
| Core capital (leverage) ratio | 10.2310% | 3,358 |
| Tier 1 risk-based capital ratio | 13.1672% | 5,002 |
| Total risk-based capital ratio | 14.3688% | 4,988 |
| Memoranda: | ||
| Average total assets | $123,715,500 | 4,231 |
| Average earning assets | $118,104,250 | 4,126 |
| Average equity | $12,375,750 | 4,420 |
| Average total loans | $94,768,250 | 3,604 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,833 |
| Cost of funding earning assets | 0.6221% | 2,753 |
| Net interest margin | 3.4520% | 3,997 |
| Noninterest income to average assets | 0.4579% | 4,110 |
| Noninterest expense to average assets | 1.0372% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7605% | 559 |
| Return on assets (ROA) | 1.7605% | 602 |
| Pretax return on assets | 2.7428% | 198 |
| Return on Equity (ROE) | 17.9701% | 462 |
| Retained earnings to average equity (ytd only) | 17.9701% | 126 |
| Net charge-offs to loans | -0.3095% | 6,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4401% | 6,894 |
| Assets per employee ($millions) | 6.8161% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,224 |
| Loan loss allowance to noncurrent loans | 4,060.7143% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 6,261 |
| Noncurrent loans to loans | 0.0284% | 6,324 |
| Net loans and leases to total assets | 79.4213% | 591 |
| Net loans and leases to deposits | 88.8186% | 1,252 |
| Net loans and leases to core deposits | 102.5511% | 913 |
| Total domestic deposits to total assets | 89.4197% | 1,368 |
| Equity capital to assets | 10.3342% | 3,511 |
| Core capital (leverage) ratio | 9.7881% | 3,811 |
| Tier 1 risk-based capital ratio | 12.8562% | 5,253 |
| Total risk-based capital ratio | 14.0749% | 5,202 |
| Memoranda: | ||
| Average total assets | $123,598,330 | 4,262 |
| Average earning assets | $118,946,000 | 4,142 |
| Average equity | $12,109,000 | 4,508 |
| Average total loans | $93,047,000 | 3,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,380 |
| Cost of funding earning assets | 0.6219% | 2,905 |
| Net interest margin | 3.3036% | 4,504 |
| Noninterest income to average assets | 0.0935% | 6,597 |
| Noninterest expense to average assets | 0.9706% | 6,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5026% | 849 |
| Return on assets (ROA) | 1.5026% | 927 |
| Pretax return on assets | 2.3087% | 353 |
| Return on Equity (ROE) | 15.7645% | 643 |
| Retained earnings to average equity (ytd only) | 15.7645% | 298 |
| Net charge-offs to loans | -0.3412% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5969% | 6,962 |
| Assets per employee ($millions) | 6.9587% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,284 |
| Loan loss allowance to noncurrent loans | 2,891.8919% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,335 |
| Noncurrent loans to loans | 0.0407% | 6,363 |
| Net loans and leases to total assets | 71.7834% | 1,389 |
| Net loans and leases to deposits | 79.6903% | 2,116 |
| Net loans and leases to core deposits | 88.8995% | 1,816 |
| Total domestic deposits to total assets | 90.0779% | 997 |
| Equity capital to assets | 9.6259% | 4,671 |
| Core capital (leverage) ratio | 9.1633% | 4,623 |
| Tier 1 risk-based capital ratio | 13.0166% | 5,203 |
| Total risk-based capital ratio | 14.2412% | 5,173 |
| Memoranda: | ||
| Average total assets | $124,052,500 | 4,305 |
| Average earning assets | $119,628,000 | 4,160 |
| Average equity | $11,824,000 | 4,610 |
| Average total loans | $90,281,000 | 3,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 4,512 |
| Cost of funding earning assets | 0.6930% | 3,551 |
| Net interest margin | 3.5264% | 4,389 |
| Noninterest income to average assets | 0.1431% | 6,320 |
| Noninterest expense to average assets | 1.9411% | 6,435 |
| Loan and lease loss provision to assets | 0.1235% | 4,076 |
| Net operating income to assets | 0.9028% | 2,803 |
| Return on assets (ROA) | 0.9028% | 3,039 |
| Pretax return on assets | 1.4462% | 1,872 |
| Return on Equity (ROE) | 9.3890% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.3890% | 724 |
| Net charge-offs to loans | 0.1298% | 4,382 |
| Credit loss provision to net charge-offs | 128.3186% | 2,193 |
| Earnings coverage of net charge-offs (x) | 16.3097% | 1,584 |
| Efficiency ratio | 39.2528% | 6,944 |
| Assets per employee ($millions) | 6.8249% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,525 |
| Loan loss allowance to noncurrent loans | 1,379.1667% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 6,076 |
| Noncurrent loans to loans | 0.0804% | 6,282 |
| Net loans and leases to total assets | 72.1097% | 1,471 |
| Net loans and leases to deposits | 79.7174% | 2,326 |
| Net loans and leases to core deposits | 90.1217% | 1,821 |
| Total domestic deposits to total assets | 90.4566% | 724 |
| Equity capital to assets | 9.4352% | 4,955 |
| Core capital (leverage) ratio | 9.2170% | 4,550 |
| Tier 1 risk-based capital ratio | 12.9932% | 5,110 |
| Total risk-based capital ratio | 14.1130% | 5,147 |
| Memoranda: | ||
| Average total assets | $117,408,200 | 4,413 |
| Average earning assets | $112,124,200 | 4,289 |
| Average equity | $11,289,800 | 4,708 |
| Average total loans | $87,082,600 | 3,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 4,517 |
| Cost of funding earning assets | 0.7168% | 3,620 |
| Net interest margin | 3.5661% | 4,370 |
| Noninterest income to average assets | 0.1482% | 6,407 |
| Noninterest expense to average assets | 1.1730% | 7,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5878% | 869 |
| Return on assets (ROA) | 1.5878% | 968 |
| Pretax return on assets | 2.3702% | 359 |
| Return on Equity (ROE) | 16.4307% | 679 |
| Retained earnings to average equity (ytd only) | 16.4307% | 176 |
| Net charge-offs to loans | -0.0293% | 6,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1064% | 7,104 |
| Assets per employee ($millions) | 6.4855% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,683 |
| Loan loss allowance to noncurrent loans | 208.0679% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 5,180 |
| Noncurrent loans to loans | 0.5325% | 5,378 |
| Net loans and leases to total assets | 74.9218% | 1,121 |
| Net loans and leases to deposits | 83.6742% | 1,907 |
| Net loans and leases to core deposits | 92.3804% | 1,742 |
| Total domestic deposits to total assets | 89.5399% | 1,104 |
| Equity capital to assets | 10.2048% | 4,196 |
| Core capital (leverage) ratio | 9.2057% | 4,752 |
| Tier 1 risk-based capital ratio | 12.9288% | 5,312 |
| Total risk-based capital ratio | 14.0543% | 5,368 |
| Memoranda: | ||
| Average total assets | $116,048,000 | 4,482 |
| Average earning assets | $110,481,250 | 4,377 |
| Average equity | $11,214,500 | 4,767 |
| Average total loans | $86,458,500 | 3,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 4,722 |
| Cost of funding earning assets | 0.7332% | 3,735 |
| Net interest margin | 3.5269% | 4,561 |
| Noninterest income to average assets | 0.1502% | 6,445 |
| Noninterest expense to average assets | 1.1639% | 7,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5835% | 861 |
| Return on assets (ROA) | 1.5835% | 967 |
| Pretax return on assets | 2.3589% | 374 |
| Return on Equity (ROE) | 16.7006% | 680 |
| Retained earnings to average equity (ytd only) | 16.7006% | 196 |
| Net charge-offs to loans | -0.1212% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0392% | 7,151 |
| Assets per employee ($millions) | 6.3266% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,618 |
| Loan loss allowance to noncurrent loans | 180.5704% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 5,160 |
| Noncurrent loans to loans | 0.6294% | 5,247 |
| Net loans and leases to total assets | 77.3802% | 798 |
| Net loans and leases to deposits | 86.2407% | 1,567 |
| Net loans and leases to core deposits | 95.7545% | 1,447 |
| Total domestic deposits to total assets | 89.7258% | 1,093 |
| Equity capital to assets | 10.0529% | 4,253 |
| Core capital (leverage) ratio | 8.8277% | 5,170 |
| Tier 1 risk-based capital ratio | 12.2021% | 5,795 |
| Total risk-based capital ratio | 13.3278% | 5,858 |
| Memoranda: | ||
| Average total assets | $115,817,670 | 4,512 |
| Average earning assets | $110,749,670 | 4,391 |
| Average equity | $10,981,670 | 4,816 |
| Average total loans | $85,797,000 | 3,913 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 5,299 |
| Cost of funding earning assets | 0.7578% | 3,804 |
| Net interest margin | 3.3866% | 5,173 |
| Noninterest income to average assets | 0.1507% | 6,487 |
| Noninterest expense to average assets | 1.1816% | 7,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4899% | 1,039 |
| Return on assets (ROA) | 1.4899% | 1,161 |
| Pretax return on assets | 2.1989% | 540 |
| Return on Equity (ROE) | 16.1883% | 776 |
| Retained earnings to average equity (ytd only) | 16.1883% | 351 |
| Net charge-offs to loans | -0.0143% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9544% | 7,195 |
| Assets per employee ($millions) | 6.4342% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,802 |
| Loan loss allowance to noncurrent loans | 724.8120% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 6,127 |
| Noncurrent loans to loans | 0.1560% | 6,368 |
| Net loans and leases to total assets | 72.7721% | 1,263 |
| Net loans and leases to deposits | 80.6795% | 2,103 |
| Net loans and leases to core deposits | 90.2192% | 1,831 |
| Total domestic deposits to total assets | 90.1990% | 976 |
| Equity capital to assets | 9.4685% | 4,853 |
| Core capital (leverage) ratio | 8.3746% | 5,765 |
| Tier 1 risk-based capital ratio | 11.7930% | 6,091 |
| Total risk-based capital ratio | 12.9073% | 6,166 |
| Memoranda: | ||
| Average total assets | $116,787,500 | 4,523 |
| Average earning assets | $111,381,500 | 4,407 |
| Average equity | $10,748,500 | 4,872 |
| Average total loans | $84,129,500 | 4,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 6,018 |
| Cost of funding earning assets | 1.0568% | 2,974 |
| Net interest margin | 3.1558% | 6,202 |
| Noninterest income to average assets | 0.1566% | 6,369 |
| Noninterest expense to average assets | 1.3008% | 7,241 |
| Loan and lease loss provision to assets | 0.1288% | 5,003 |
| Net operating income to assets | 1.1807% | 1,567 |
| Return on assets (ROA) | 1.1807% | 1,683 |
| Pretax return on assets | 1.7307% | 926 |
| Return on Equity (ROE) | 13.7448% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.7448% | 185 |
| Net charge-offs to loans | 0.1196% | 5,187 |
| Credit loss provision to net charge-offs | 155.7895% | 1,804 |
| Earnings coverage of net charge-offs (x) | 22.4947% | 1,058 |
| Efficiency ratio | 41.1619% | 7,189 |
| Assets per employee ($millions) | 6.5422% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,586 |
| Loan loss allowance to noncurrent loans | 552.2989% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 6,132 |
| Noncurrent loans to loans | 0.2096% | 6,325 |
| Net loans and leases to total assets | 69.6782% | 2,095 |
| Net loans and leases to deposits | 76.7223% | 3,056 |
| Net loans and leases to core deposits | 88.6724% | 2,299 |
| Total domestic deposits to total assets | 90.8186% | 578 |
| Equity capital to assets | 8.9428% | 5,618 |
| Core capital (leverage) ratio | 8.0108% | 6,252 |
| Tier 1 risk-based capital ratio | 11.3878% | 6,230 |
| Total risk-based capital ratio | 12.5135% | 6,282 |
| Memoranda: | ||
| Average total assets | $114,927,200 | 4,527 |
| Average earning assets | $109,386,800 | 4,411 |
| Average equity | $9,872,800 | 5,056 |
| Average total loans | $79,428,800 | 4,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 6,205 |
| Cost of funding earning assets | 1.1054% | 2,944 |
| Net interest margin | 3.0938% | 6,395 |
| Noninterest income to average assets | 0.1599% | 6,448 |
| Noninterest expense to average assets | 1.1533% | 7,354 |
| Loan and lease loss provision to assets | 0.0817% | 5,418 |
| Net operating income to assets | 1.2759% | 1,443 |
| Return on assets (ROA) | 1.2759% | 1,547 |
| Pretax return on assets | 1.8654% | 839 |
| Return on Equity (ROE) | 15.0109% | 837 |
| Retained earnings to average equity (ytd only) | 15.0109% | 229 |
| Net charge-offs to loans | -0.0255% | 6,948 |
| Credit loss provision to net charge-offs | -466.6667% | 6,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1988% | 7,301 |
| Assets per employee ($millions) | 6.4227% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,371 |
| Loan loss allowance to noncurrent loans | 168.0203% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 5,386 |
| Noncurrent loans to loans | 0.7294% | 5,416 |
| Net loans and leases to total assets | 69.2305% | 2,236 |
| Net loans and leases to deposits | 76.2269% | 3,295 |
| Net loans and leases to core deposits | 86.6359% | 2,695 |
| Total domestic deposits to total assets | 90.8216% | 504 |
| Equity capital to assets | 8.8809% | 5,882 |
| Core capital (leverage) ratio | 7.7981% | 6,563 |
| Tier 1 risk-based capital ratio | 11.1545% | 6,455 |
| Total risk-based capital ratio | 12.3959% | 6,444 |
| Memoranda: | ||
| Average total assets | $114,219,000 | 4,572 |
| Average earning assets | $108,558,750 | 4,468 |
| Average equity | $9,708,250 | 5,122 |
| Average total loans | $78,532,500 | 4,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 6,418 |
| Cost of funding earning assets | 1.1464% | 2,923 |
| Net interest margin | 2.9863% | 6,631 |
| Noninterest income to average assets | 0.1459% | 6,595 |
| Noninterest expense to average assets | 1.1446% | 7,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2571% | 1,426 |
| Return on assets (ROA) | 1.2571% | 1,492 |
| Pretax return on assets | 1.8408% | 810 |
| Return on Equity (ROE) | 15.0179% | 801 |
| Retained earnings to average equity (ytd only) | 15.0179% | 250 |
| Net charge-offs to loans | -0.0541% | 7,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3392% | 7,361 |
| Assets per employee ($millions) | 6.5110% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,813 |
| Loan loss allowance to noncurrent loans | 293.0599% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 6,001 |
| Noncurrent loans to loans | 0.3870% | 6,130 |
| Net loans and leases to total assets | 69.0916% | 2,398 |
| Net loans and leases to deposits | 75.6795% | 3,533 |
| Net loans and leases to core deposits | 86.5098% | 2,825 |
| Total domestic deposits to total assets | 91.2951% | 396 |
| Equity capital to assets | 8.4379% | 6,253 |
| Core capital (leverage) ratio | 7.5287% | 6,723 |
| Tier 1 risk-based capital ratio | 10.5699% | 6,765 |
| Total risk-based capital ratio | 11.7192% | 6,803 |
| Memoranda: | ||
| Average total assets | $113,756,000 | 4,615 |
| Average earning assets | $108,161,330 | 4,503 |
| Average equity | $9,522,000 | 5,180 |
| Average total loans | $77,700,330 | 4,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 6,663 |
| Cost of funding earning assets | 1.2028% | 2,799 |
| Net interest margin | 2.8166% | 6,878 |
| Noninterest income to average assets | 0.1678% | 6,527 |
| Noninterest expense to average assets | 1.1318% | 7,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1746% | 1,586 |
| Return on assets (ROA) | 1.1746% | 1,639 |
| Pretax return on assets | 1.7280% | 932 |
| Return on Equity (ROE) | 14.0922% | 975 |
| Retained earnings to average equity (ytd only) | 14.0922% | 467 |
| Net charge-offs to loans | -0.0317% | 6,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5755% | 7,397 |
| Assets per employee ($millions) | 5.9392% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,625 |
| Loan loss allowance to noncurrent loans | 132.0809% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 5,289 |
| Noncurrent loans to loans | 0.9098% | 5,222 |
| Net loans and leases to total assets | 66.5928% | 2,862 |
| Net loans and leases to deposits | 73.0076% | 3,921 |
| Net loans and leases to core deposits | 80.7683% | 3,634 |
| Total domestic deposits to total assets | 91.2135% | 526 |
| Equity capital to assets | 8.4214% | 6,028 |
| Core capital (leverage) ratio | 7.3125% | 6,849 |
| Tier 1 risk-based capital ratio | 10.8202% | 6,630 |
| Total risk-based capital ratio | 12.0325% | 6,630 |
| Memoranda: | ||
| Average total assets | $112,035,000 | 4,685 |
| Average earning assets | $107,080,000 | 4,557 |
| Average equity | $9,338,500 | 5,218 |
| Average total loans | $75,599,000 | 4,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 6,502 |
| Cost of funding earning assets | 1.5689% | 2,247 |
| Net interest margin | 2.8885% | 6,911 |
| Noninterest income to average assets | 0.1707% | 6,515 |
| Noninterest expense to average assets | 1.3305% | 7,513 |
| Loan and lease loss provision to assets | 0.0328% | 6,817 |
| Net operating income to assets | 1.1008% | 1,702 |
| Return on assets (ROA) | 1.1008% | 1,780 |
| Pretax return on assets | 1.5453% | 1,263 |
| Return on Equity (ROE) | 13.6353% | 956 |
| Retained earnings to average equity (ytd only) | 13.6353% | 177 |
| Net charge-offs to loans | 0.0183% | 6,632 |
| Credit loss provision to net charge-offs | 269.2308% | 1,030 |
| Earnings coverage of net charge-offs (x) | 129.4615% | 196 |
| Efficiency ratio | 45.7447% | 7,364 |
| Assets per employee ($millions) | 5.5613% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,468 |
| Loan loss allowance to noncurrent loans | 207.7803% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 5,842 |
| Noncurrent loans to loans | 0.5816% | 5,888 |
| Net loans and leases to total assets | 66.7380% | 3,289 |
| Net loans and leases to deposits | 72.9756% | 4,354 |
| Net loans and leases to core deposits | 82.6146% | 3,804 |
| Total domestic deposits to total assets | 91.4525% | 414 |
| Equity capital to assets | 8.2481% | 6,206 |
| Core capital (leverage) ratio | 7.2251% | 6,894 |
| Tier 1 risk-based capital ratio | 10.5315% | 6,676 |
| Total risk-based capital ratio | 11.7529% | 6,676 |
| Memoranda: | ||
| Average total assets | $106,648,200 | 4,810 |
| Average earning assets | $101,089,800 | 4,698 |
| Average equity | $8,610,000 | 5,525 |
| Average total loans | $71,084,400 | 4,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 6,611 |
| Cost of funding earning assets | 1.6501% | 2,103 |
| Net interest margin | 2.8485% | 7,080 |
| Noninterest income to average assets | 0.1795% | 6,596 |
| Noninterest expense to average assets | 1.1702% | 7,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2031% | 1,587 |
| Return on assets (ROA) | 1.2031% | 1,669 |
| Pretax return on assets | 1.7035% | 1,112 |
| Return on Equity (ROE) | 14.9876% | 860 |
| Retained earnings to average equity (ytd only) | 14.9876% | 210 |
| Net charge-offs to loans | -0.0381% | 7,436 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7212% | 7,564 |
| Assets per employee ($millions) | 5.8801% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,168 |
| Loan loss allowance to noncurrent loans | 237.7953% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 6,057 |
| Noncurrent loans to loans | 0.5294% | 6,143 |
| Net loans and leases to total assets | 67.1451% | 3,425 |
| Net loans and leases to deposits | 73.6812% | 4,567 |
| Net loans and leases to core deposits | 79.0608% | 4,652 |
| Total domestic deposits to total assets | 91.1291% | 403 |
| Equity capital to assets | 8.4580% | 6,328 |
| Core capital (leverage) ratio | 7.3427% | 6,978 |
| Tier 1 risk-based capital ratio | 10.5888% | 6,719 |
| Total risk-based capital ratio | 11.8193% | 6,713 |
| Memoranda: | ||
| Average total assets | $105,503,750 | 4,896 |
| Average earning assets | $99,791,250 | 4,786 |
| Average equity | $8,469,000 | 5,633 |
| Average total loans | $70,071,000 | 4,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 6,578 |
| Cost of funding earning assets | 1.7295% | 1,971 |
| Net interest margin | 2.8257% | 7,110 |
| Noninterest income to average assets | 0.1841% | 6,588 |
| Noninterest expense to average assets | 1.1500% | 7,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2240% | 1,499 |
| Return on assets (ROA) | 1.2240% | 1,561 |
| Pretax return on assets | 1.7098% | 1,043 |
| Return on Equity (ROE) | 15.5272% | 760 |
| Retained earnings to average equity (ytd only) | 15.5272% | 214 |
| Net charge-offs to loans | -0.0403% | 7,411 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2123% | 7,641 |
| Assets per employee ($millions) | 5.7979% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,202 |
| Loan loss allowance to noncurrent loans | 266.2722% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 6,125 |
| Noncurrent loans to loans | 0.4683% | 6,314 |
| Net loans and leases to total assets | 68.3001% | 3,288 |
| Net loans and leases to deposits | 74.7789% | 4,554 |
| Net loans and leases to core deposits | 80.7733% | 4,579 |
| Total domestic deposits to total assets | 91.3360% | 376 |
| Equity capital to assets | 8.2836% | 6,446 |
| Core capital (leverage) ratio | 7.0823% | 7,145 |
| Tier 1 risk-based capital ratio | 10.1129% | 6,962 |
| Total risk-based capital ratio | 11.3597% | 6,936 |
| Memoranda: | ||
| Average total assets | $105,391,330 | 4,935 |
| Average earning assets | $99,799,330 | 4,816 |
| Average equity | $8,308,000 | 5,691 |
| Average total loans | $69,437,000 | 4,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 6,820 |
| Cost of funding earning assets | 1.8363% | 1,713 |
| Net interest margin | 2.6472% | 7,345 |
| Noninterest income to average assets | 0.1888% | 6,610 |
| Noninterest expense to average assets | 1.2048% | 7,829 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0575% | 1,977 |
| Return on assets (ROA) | 1.0575% | 2,043 |
| Pretax return on assets | 1.4994% | 1,518 |
| Return on Equity (ROE) | 13.7601% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.7601% | 536 |
| Net charge-offs to loans | -0.0411% | 7,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5531% | 7,603 |
| Assets per employee ($millions) | 5.8437% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,919 |
| Loan loss allowance to noncurrent loans | 541.2121% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,532 |
| Noncurrent loans to loans | 0.2407% | 6,861 |
| Net loans and leases to total assets | 64.3089% | 4,258 |
| Net loans and leases to deposits | 70.1410% | 5,324 |
| Net loans and leases to core deposits | 75.6044% | 5,308 |
| Total domestic deposits to total assets | 91.6852% | 326 |
| Equity capital to assets | 7.8708% | 6,788 |
| Core capital (leverage) ratio | 6.5369% | 7,451 |
| Tier 1 risk-based capital ratio | 9.8713% | 7,111 |
| Total risk-based capital ratio | 11.1170% | 7,111 |
| Memoranda: | ||
| Average total assets | $105,905,500 | 4,982 |
| Average earning assets | $100,635,500 | 4,858 |
| Average equity | $8,139,500 | 5,795 |
| Average total loans | $68,065,500 | 4,932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 6,314 |
| Cost of funding earning assets | 2.3208% | 1,576 |
| Net interest margin | 2.7165% | 7,193 |
| Noninterest income to average assets | 0.1801% | 6,800 |
| Noninterest expense to average assets | 1.4428% | 7,830 |
| Loan and lease loss provision to assets | 0.0623% | 6,944 |
| Net operating income to assets | 0.8709% | 2,276 |
| Return on assets (ROA) | 0.8709% | 2,339 |
| Pretax return on assets | 1.2016% | 1,948 |
| Return on Equity (ROE) | 10.0339% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.0339% | 370 |
| Net charge-offs to loans | -0.0305% | 7,814 |
| Credit loss provision to net charge-offs | -305.5556% | 7,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3054% | 7,294 |
| Assets per employee ($millions) | 6.2721% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,694 |
| Loan loss allowance to noncurrent loans | 299.3243% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 6,187 |
| Noncurrent loans to loans | 0.4379% | 6,393 |
| Net loans and leases to total assets | 62.5632% | 4,890 |
| Net loans and leases to deposits | 67.9584% | 5,833 |
| Net loans and leases to core deposits | 87.7922% | 5,348 |
| Total domestic deposits to total assets | 92.0610% | 259 |
| Equity capital to assets | 7.5029% | 7,032 |
| Core capital (leverage) ratio | 6.5246% | 7,480 |
| Tier 1 risk-based capital ratio | 9.6907% | 7,105 |
| Total risk-based capital ratio | 10.9415% | 7,077 |
| Memoranda: | ||
| Average total assets | $88,300,600 | 5,436 |
| Average earning assets | $82,126,400 | 5,388 |
| Average equity | $7,664,000 | 6,031 |
| Average total loans | $59,111,600 | 5,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 5,945 |
| Cost of funding earning assets | 2.3771% | 1,713 |
| Net interest margin | 2.8074% | 7,049 |
| Noninterest income to average assets | 0.1831% | 6,915 |
| Noninterest expense to average assets | 1.2709% | 7,975 |
| Loan and lease loss provision to assets | 0.0876% | 6,492 |
| Net operating income to assets | 1.0304% | 1,964 |
| Return on assets (ROA) | 1.0304% | 2,026 |
| Pretax return on assets | 1.4222% | 1,640 |
| Return on Equity (ROE) | 11.3806% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.3806% | 429 |
| Net charge-offs to loans | -0.0164% | 7,740 |
| Credit loss provision to net charge-offs | -785.7143% | 7,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7045% | 7,782 |
| Assets per employee ($millions) | 5.6069% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,467 |
| Loan loss allowance to noncurrent loans | 260.4167% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 6,016 |
| Noncurrent loans to loans | 0.5015% | 6,305 |
| Net loans and leases to total assets | 65.5229% | 4,532 |
| Net loans and leases to deposits | 71.4468% | 5,742 |
| Net loans and leases to core deposits | 89.1671% | 5,516 |
| Total domestic deposits to total assets | 91.7087% | 222 |
| Equity capital to assets | 7.8058% | 7,036 |
| Core capital (leverage) ratio | 6.7472% | 7,560 |
| Tier 1 risk-based capital ratio | 9.5494% | 7,335 |
| Total risk-based capital ratio | 10.7991% | 7,296 |
| Memoranda: | ||
| Average total assets | $83,719,500 | 5,627 |
| Average earning assets | $77,460,500 | 5,575 |
| Average equity | $7,580,000 | 6,120 |
| Average total loans | $56,991,000 | 5,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 6,037 |
| Cost of funding earning assets | 2.3530% | 2,151 |
| Net interest margin | 2.8586% | 6,888 |
| Noninterest income to average assets | 0.1718% | 7,060 |
| Noninterest expense to average assets | 1.0105% | 8,123 |
| Loan and lease loss provision to assets | 0.1411% | 5,664 |
| Net operating income to assets | 1.2156% | 1,438 |
| Return on assets (ROA) | 1.2156% | 1,517 |
| Pretax return on assets | 1.7029% | 1,007 |
| Return on Equity (ROE) | 12.6727% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.6727% | 361 |
| Net charge-offs to loans | -0.0261% | 7,752 |
| Credit loss provision to net charge-offs | -785.7143% | 7,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3998% | 8,072 |
| Assets per employee ($millions) | 6.7865% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,580 |
| Loan loss allowance to noncurrent loans | 123.4982% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 5,669 |
| Noncurrent loans to loans | 1.0150% | 5,177 |
| Net loans and leases to total assets | 67.6146% | 4,231 |
| Net loans and leases to deposits | 75.1132% | 5,302 |
| Net loans and leases to core deposits | 92.6816% | 5,275 |
| Total domestic deposits to total assets | 90.0169% | 823 |
| Equity capital to assets | 9.4612% | 4,657 |
| Core capital (leverage) ratio | 9.6739% | 3,666 |
| Tier 1 risk-based capital ratio | 13.4033% | 3,863 |
| Total risk-based capital ratio | 14.6192% | 3,824 |
| Memoranda: | ||
| Average total assets | $77,984,330 | 5,867 |
| Average earning assets | $73,183,000 | 5,781 |
| Average equity | $7,480,670 | 6,190 |
| Average total loans | $53,653,330 | 5,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 5,851 |
| Cost of funding earning assets | 2.3730% | 2,402 |
| Net interest margin | 2.9383% | 6,645 |
| Noninterest income to average assets | 0.1731% | 7,069 |
| Noninterest expense to average assets | 1.0229% | 8,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4425% | 1,058 |
| Return on assets (ROA) | 1.4425% | 1,135 |
| Pretax return on assets | 1.9041% | 790 |
| Return on Equity (ROE) | 14.9284% | 990 |
| Retained earnings to average equity (ytd only) | 14.9284% | 425 |
| Net charge-offs to loans | -0.0228% | 7,474 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9462% | 8,115 |
| Assets per employee ($millions) | 5.5209% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 4,909 |
| Loan loss allowance to noncurrent loans | 76.7386% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 4,529 |
| Noncurrent loans to loans | 1.5423% | 3,968 |
| Net loans and leases to total assets | 69.1326% | 3,885 |
| Net loans and leases to deposits | 77.0542% | 5,081 |
| Net loans and leases to core deposits | 93.7620% | 5,182 |
| Total domestic deposits to total assets | 89.7195% | 922 |
| Equity capital to assets | 9.7112% | 4,367 |
| Core capital (leverage) ratio | 9.8729% | 3,555 |
| Tier 1 risk-based capital ratio | 13.8605% | 3,660 |
| Total risk-based capital ratio | 15.0423% | 3,622 |
| Memoranda: | ||
| Average total assets | $76,257,500 | 5,939 |
| Average earning assets | $71,469,500 | 5,864 |
| Average equity | $7,368,500 | 6,271 |
| Average total loans | $52,598,500 | 5,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 5,938 |
| Cost of funding earning assets | 3.2881% | 956 |
| Net interest margin | 2.6334% | 7,602 |
| Noninterest income to average assets | 0.1560% | 7,311 |
| Noninterest expense to average assets | 1.2336% | 8,149 |
| Loan and lease loss provision to assets | 0.3625% | 3,512 |
| Net operating income to assets | 0.7661% | 3,588 |
| Return on assets (ROA) | 0.7671% | 3,427 |
| Pretax return on assets | 1.0818% | 3,088 |
| Return on Equity (ROE) | 7.8036% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.8036% | 900 |
| Net charge-offs to loans | 0.1663% | 4,540 |
| Credit loss provision to net charge-offs | 322.5000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 12.8375% | 2,199 |
| Efficiency ratio | 46.0892% | 7,925 |
| Assets per employee ($millions) | 5.3731% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,184 |
| Loan loss allowance to noncurrent loans | 134.3882% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 5,316 |
| Noncurrent loans to loans | 0.9272% | 4,764 |
| Net loans and leases to total assets | 67.1151% | 4,615 |
| Net loans and leases to deposits | 74.8962% | 5,748 |
| Net loans and leases to core deposits | 93.2250% | 5,526 |
| Total domestic deposits to total assets | 89.6109% | 803 |
| Equity capital to assets | 9.6128% | 4,524 |
| Core capital (leverage) ratio | 10.0986% | 3,357 |
| Tier 1 risk-based capital ratio | 13.9210% | 3,583 |
| Total risk-based capital ratio | 15.1474% | 3,517 |
| Memoranda: | ||
| Average total assets | $71,176,000 | 5,992 |
| Average earning assets | $68,125,200 | 5,893 |
| Average equity | $6,996,800 | 6,454 |
| Average total loans | $48,100,400 | 5,783 |