Home > The Seymour Bank > Performance and Condition Ratios
The Seymour Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 2,545 |
| Cost of funding earning assets | 2.2725% | 1,583 |
| Net interest margin | 3.0219% | 3,112 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 2.8304% | 1,447 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.5039% | 3,463 |
| Return on assets (ROA) | 0.5039% | 3,480 |
| Pretax return on assets | 0.6023% | 3,451 |
| Return on Equity (ROE) | 7.3000% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.2988% | 1,337 |
| Net charge-offs to loans | 0.0527% | 1,611 |
| Credit loss provision to net charge-offs | 46.3768% | 2,353 |
| Earnings coverage of net charge-offs (x) | 20.8406% | 1,803 |
| Efficiency ratio | 81.5428% | 947 |
| Assets per employee ($millions) | 4.9093% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 1,874 |
| Loan loss allowance to noncurrent loans | 6,373.0769% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,676 |
| Noncurrent loans to loans | 0.0197% | 3,614 |
| Net loans and leases to total assets | 54.0800% | 3,396 |
| Net loans and leases to deposits | 63.7268% | 3,353 |
| Net loans and leases to core deposits | 74.5589% | 3,117 |
| Total domestic deposits to total assets | 84.8700% | 2,574 |
| Equity capital to assets | 6.4945% | 4,099 |
| Core capital (leverage) ratio | 10.5306% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $224,459,600 | 2,847 |
| Average earning assets | $213,114,200 | 2,814 |
| Average equity | $15,495,800 | 3,299 |
| Average total loans | $130,952,000 | 2,895 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 2,467 |
| Cost of funding earning assets | 2.2716% | 1,584 |
| Net interest margin | 3.0225% | 3,051 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.8754% | 1,308 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.4850% | 3,502 |
| Return on assets (ROA) | 0.4850% | 3,536 |
| Pretax return on assets | 0.5733% | 3,517 |
| Return on Equity (ROE) | 6.8900% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.8937% | 1,774 |
| Net charge-offs to loans | 0.0316% | 1,689 |
| Credit loss provision to net charge-offs | 154.8387% | 1,258 |
| Earnings coverage of net charge-offs (x) | 32.1290% | 1,469 |
| Efficiency ratio | 82.6813% | 903 |
| Assets per employee ($millions) | 4.6813% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,678 |
| Loan loss allowance to noncurrent loans | 8,147.6190% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,719 |
| Noncurrent loans to loans | 0.0161% | 3,688 |
| Net loans and leases to total assets | 57.4100% | 3,147 |
| Net loans and leases to deposits | 69.2028% | 3,048 |
| Net loans and leases to core deposits | 82.7600% | 2,641 |
| Total domestic deposits to total assets | 82.9600% | 2,861 |
| Equity capital to assets | 7.6947% | 3,877 |
| Core capital (leverage) ratio | 10.8022% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $220,482,750 | 2,872 |
| Average earning assets | $209,182,250 | 2,831 |
| Average equity | $15,511,250 | 3,300 |
| Average total loans | $130,751,500 | 2,898 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 2,527 |
| Cost of funding earning assets | 2.2541% | 1,541 |
| Net interest margin | 2.9579% | 3,141 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.8401% | 1,380 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.4364% | 3,587 |
| Return on assets (ROA) | 0.4364% | 3,624 |
| Pretax return on assets | 0.5021% | 3,631 |
| Return on Equity (ROE) | 6.4100% | 3,160 |
| Retained earnings to average equity (ytd only) | 6.4082% | 1,860 |
| Net charge-offs to loans | 0.0184% | 1,803 |
| Credit loss provision to net charge-offs | 433.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 1,117 |
| Efficiency ratio | 83.7867% | 875 |
| Assets per employee ($millions) | 4.5529% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,678 |
| Loan loss allowance to noncurrent loans | 43,350.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,820 |
| Noncurrent loans to loans | 0.0030% | 3,783 |
| Net loans and leases to total assets | 59.5900% | 2,992 |
| Net loans and leases to deposits | 72.5976% | 2,800 |
| Net loans and leases to core deposits | 84.1768% | 2,517 |
| Total domestic deposits to total assets | 82.0800% | 3,064 |
| Equity capital to assets | 6.8583% | 3,988 |
| Core capital (leverage) ratio | 10.9119% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $219,077,000 | 2,876 |
| Average earning assets | $207,712,000 | 2,835 |
| Average equity | $14,918,333 | 3,328 |
| Average total loans | $130,764,000 | 2,898 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 2,606 |
| Cost of funding earning assets | 2.2758% | 1,393 |
| Net interest margin | 2.8178% | 3,350 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 2.8357% | 1,374 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.2827% | 3,853 |
| Return on assets (ROA) | 0.2827% | 3,886 |
| Pretax return on assets | 0.3264% | 3,883 |
| Return on Equity (ROE) | 4.1700% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.1657% | 2,660 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.6056% | 704 |
| Assets per employee ($millions) | 4.4983% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,652 |
| Loan loss allowance to noncurrent loans | 4,337.5000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,636 |
| Noncurrent loans to loans | 0.0306% | 3,557 |
| Net loans and leases to total assets | 59.6800% | 2,889 |
| Net loans and leases to deposits | 72.3543% | 2,723 |
| Net loans and leases to core deposits | 86.1878% | 2,301 |
| Total domestic deposits to total assets | 82.4900% | 3,089 |
| Equity capital to assets | 6.8165% | 3,976 |
| Core capital (leverage) ratio | 10.5535% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $219,347,000 | 2,879 |
| Average earning assets | $208,103,000 | 2,841 |
| Average equity | $14,883,500 | 3,338 |
| Average total loans | $130,164,000 | 2,898 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 2,856 |
| Cost of funding earning assets | 1.4328% | 2,139 |
| Net interest margin | 3.1863% | 2,913 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.9314% | 1,213 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.4848% | 3,696 |
| Return on assets (ROA) | 0.4315% | 3,804 |
| Pretax return on assets | 0.4888% | 3,832 |
| Return on Equity (ROE) | 6.7300% | 3,351 |
| Retained earnings to average equity (ytd only) | 1.5939% | 3,677 |
| Net charge-offs to loans | 0.0146% | 2,113 |
| Credit loss provision to net charge-offs | 2,061.1111% | 218 |
| Earnings coverage of net charge-offs (x) | 86.6111% | 972 |
| Efficiency ratio | 80.2608% | 898 |
| Assets per employee ($millions) | 4.7399% | 3,811 |
| Cash dividends to net income (ytd only)* | 76.3130% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 1,735 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.4700% | 3,082 |
| Net loans and leases to deposits | 73.2464% | 2,673 |
| Net loans and leases to core deposits | 79.2374% | 2,756 |
| Total domestic deposits to total assets | 78.4600% | 3,676 |
| Equity capital to assets | 6.7552% | 4,029 |
| Core capital (leverage) ratio | 10.8434% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $216,243,600 | 2,866 |
| Average earning assets | $205,191,400 | 2,828 |
| Average equity | $13,865,000 | 3,352 |
| Average total loans | $123,186,400 | 2,922 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,762 |
| Cost of funding earning assets | 1.2271% | 2,346 |
| Net interest margin | 3.3403% | 2,595 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8696% | 1,286 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.6111% | 3,515 |
| Return on assets (ROA) | 0.5411% | 3,664 |
| Pretax return on assets | 0.6318% | 3,678 |
| Return on Equity (ROE) | 8.5600% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.5623% | 3,827 |
| Net charge-offs to loans | 0.0143% | 1,882 |
| Credit loss provision to net charge-offs | 2,484.6154% | 193 |
| Earnings coverage of net charge-offs (x) | 113.1538% | 868 |
| Efficiency ratio | 75.8456% | 1,188 |
| Assets per employee ($millions) | 4.4879% | 3,949 |
| Cash dividends to net income (ytd only)* | 81.7451% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,808 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.8600% | 2,956 |
| Net loans and leases to deposits | 74.6616% | 2,512 |
| Net loans and leases to core deposits | 82.9648% | 2,398 |
| Total domestic deposits to total assets | 78.8300% | 3,723 |
| Equity capital to assets | 5.5165% | 4,138 |
| Core capital (leverage) ratio | 10.8012% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $214,610,250 | 2,887 |
| Average earning assets | $203,610,750 | 2,854 |
| Average equity | $13,569,000 | 3,369 |
| Average total loans | $121,551,750 | 2,932 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,843 |
| Cost of funding earning assets | 1.0083% | 2,578 |
| Net interest margin | 3.4102% | 2,490 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.7827% | 1,454 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.7061% | 3,333 |
| Return on assets (ROA) | 0.7061% | 3,334 |
| Pretax return on assets | 0.8367% | 3,312 |
| Return on Equity (ROE) | 10.7200% | 2,498 |
| Retained earnings to average equity (ytd only) | 10.7223% | 1,244 |
| Net charge-offs to loans | 0.0133% | 1,691 |
| Credit loss provision to net charge-offs | 3,475.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 147.6250% | 758 |
| Efficiency ratio | 71.7734% | 1,579 |
| Assets per employee ($millions) | 4.7185% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 1,967 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.7300% | 3,067 |
| Net loans and leases to deposits | 69.5257% | 2,823 |
| Net loans and leases to core deposits | 73.8450% | 2,898 |
| Total domestic deposits to total assets | 81.6000% | 3,312 |
| Equity capital to assets | 6.7163% | 3,909 |
| Core capital (leverage) ratio | 10.9163% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $215,837,333 | 2,891 |
| Average earning assets | $205,091,667 | 2,856 |
| Average equity | $14,213,333 | 3,335 |
| Average total loans | $120,135,000 | 2,948 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,843 |
| Cost of funding earning assets | 0.8267% | 2,620 |
| Net interest margin | 3.4555% | 2,480 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.7821% | 1,473 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8140% | 3,152 |
| Return on assets (ROA) | 0.8140% | 3,099 |
| Pretax return on assets | 0.9869% | 3,031 |
| Return on Equity (ROE) | 12.4900% | 2,099 |
| Retained earnings to average equity (ytd only) | 12.4866% | 1,178 |
| Net charge-offs to loans | 0.0306% | 1,098 |
| Credit loss provision to net charge-offs | 622.2222% | 491 |
| Earnings coverage of net charge-offs (x) | 65.2222% | 975 |
| Efficiency ratio | 71.8330% | 1,547 |
| Assets per employee ($millions) | 4.3221% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,706 |
| Loan loss allowance to noncurrent loans | 138,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,947 |
| Noncurrent loans to loans | 0.0008% | 3,875 |
| Net loans and leases to total assets | 55.2500% | 3,095 |
| Net loans and leases to deposits | 65.2314% | 2,997 |
| Net loans and leases to core deposits | 67.3570% | 3,144 |
| Total domestic deposits to total assets | 84.7000% | 2,931 |
| Equity capital to assets | 6.9797% | 3,839 |
| Core capital (leverage) ratio | 10.8526% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $215,229,500 | 2,941 |
| Average earning assets | $204,660,000 | 2,898 |
| Average equity | $14,031,000 | 3,384 |
| Average total loans | $117,825,000 | 3,003 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 2,131 |
| Cost of funding earning assets | 0.5342% | 1,198 |
| Net interest margin | 3.3172% | 2,525 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.7604% | 1,417 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.8390% | 3,194 |
| Return on assets (ROA) | 0.8390% | 3,120 |
| Pretax return on assets | 0.9866% | 3,107 |
| Return on Equity (ROE) | 11.6500% | 2,259 |
| Retained earnings to average equity (ytd only) | 11.6519% | 748 |
| Net charge-offs to loans | -0.0308% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.2600% | 1,531 |
| Assets per employee ($millions) | 4.4627% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.0000% | 3,283 |
| Net loans and leases to deposits | 57.9748% | 3,463 |
| Net loans and leases to core deposits | 59.4867% | 3,537 |
| Total domestic deposits to total assets | 91.4200% | 804 |
| Equity capital to assets | 6.0730% | 4,063 |
| Core capital (leverage) ratio | 11.0657% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $210,006,800 | 2,976 |
| Average earning assets | $200,500,800 | 2,933 |
| Average equity | $15,122,000 | 3,360 |
| Average total loans | $110,261,200 | 3,024 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 1,746 |
| Cost of funding earning assets | 0.5114% | 718 |
| Net interest margin | 3.2931% | 2,318 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.7444% | 1,366 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.8166% | 3,183 |
| Return on assets (ROA) | 0.8166% | 3,148 |
| Pretax return on assets | 0.9802% | 3,076 |
| Return on Equity (ROE) | 10.8900% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8923% | 1,082 |
| Net charge-offs to loans | 0.0098% | 1,760 |
| Credit loss provision to net charge-offs | 3,100.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 588 |
| Efficiency ratio | 70.6640% | 1,687 |
| Assets per employee ($millions) | 4.1613% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,825 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.3500% | 3,065 |
| Net loans and leases to deposits | 59.6293% | 3,229 |
| Net loans and leases to core deposits | 60.9768% | 3,306 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 5.4270% | 4,152 |
| Core capital (leverage) ratio | 10.8857% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $207,840,000 | 3,013 |
| Average earning assets | $198,676,000 | 2,963 |
| Average equity | $15,582,500 | 3,356 |
| Average total loans | $108,516,000 | 3,054 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 1,619 |
| Cost of funding earning assets | 0.5060% | 502 |
| Net interest margin | 3.1648% | 2,308 |
| Noninterest income to average assets | 0.7956% | 1,055 |
| Noninterest expense to average assets | 2.6918% | 1,408 |
| Loan and lease loss provision to assets | 0.0325% | 2,003 |
| Net operating income to assets | 0.9190% | 2,498 |
| Return on assets (ROA) | 0.9190% | 2,464 |
| Pretax return on assets | 1.1035% | 2,397 |
| Return on Equity (ROE) | 11.2477% | 1,907 |
| Retained earnings to average equity (ytd only) | 11.2477% | 748 |
| Net charge-offs to loans | 0.0149% | 1,464 |
| Credit loss provision to net charge-offs | 425.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 649 |
| Efficiency ratio | 70.3223% | 1,913 |
| Assets per employee ($millions) | 4.1773% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,754 |
| Loan loss allowance to noncurrent loans | 106,700.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,081 |
| Noncurrent loans to loans | 0.0009% | 4,009 |
| Net loans and leases to total assets | 53.6741% | 2,999 |
| Net loans and leases to deposits | 57.7459% | 3,247 |
| Net loans and leases to core deposits | 59.4221% | 3,312 |
| Total domestic deposits to total assets | 92.9488% | 530 |
| Equity capital to assets | 6.8396% | 3,848 |
| Core capital (leverage) ratio | 10.6907% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,151,333 | 3,034 |
| Average earning assets | $200,393,333 | 2,988 |
| Average equity | $17,088,000 | 3,317 |
| Average total loans | $107,320,667 | 3,105 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 1,651 |
| Cost of funding earning assets | 0.5280% | 429 |
| Net interest margin | 3.0185% | 2,445 |
| Noninterest income to average assets | 0.6661% | 1,428 |
| Noninterest expense to average assets | 2.6114% | 1,572 |
| Loan and lease loss provision to assets | 0.0265% | 1,887 |
| Net operating income to assets | 0.7740% | 2,752 |
| Return on assets (ROA) | 0.7740% | 2,745 |
| Pretax return on assets | 0.9272% | 2,672 |
| Return on Equity (ROE) | 8.7806% | 2,399 |
| Retained earnings to average equity (ytd only) | 8.7806% | 1,335 |
| Net charge-offs to loans | -0.0076% | 3,490 |
| Credit loss provision to net charge-offs | -700.0000% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2484% | 1,826 |
| Assets per employee ($millions) | 4.2141% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,687 |
| Loan loss allowance to noncurrent loans | 15,114.2857% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 2,181 |
| Noncurrent loans to loans | 0.0067% | 3,980 |
| Net loans and leases to total assets | 50.3085% | 3,141 |
| Net loans and leases to deposits | 56.4186% | 3,225 |
| Net loans and leases to core deposits | 58.1652% | 3,294 |
| Total domestic deposits to total assets | 89.1700% | 1,993 |
| Equity capital to assets | 8.0226% | 3,549 |
| Core capital (leverage) ratio | 10.0499% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,382,500 | 3,031 |
| Average earning assets | $203,017,000 | 2,985 |
| Average equity | $18,632,000 | 3,271 |
| Average total loans | $105,515,000 | 3,119 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 1,412 |
| Cost of funding earning assets | 0.5540% | 695 |
| Net interest margin | 3.4237% | 1,953 |
| Noninterest income to average assets | 0.7103% | 1,729 |
| Noninterest expense to average assets | 2.8712% | 1,218 |
| Loan and lease loss provision to assets | -0.0774% | 4,472 |
| Net operating income to assets | 1.0177% | 2,601 |
| Return on assets (ROA) | 1.0696% | 2,489 |
| Pretax return on assets | 1.2705% | 2,457 |
| Return on Equity (ROE) | 10.1774% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.6952% | 1,282 |
| Net charge-offs to loans | -0.0058% | 3,585 |
| Credit loss provision to net charge-offs | 2,483.3333% | 269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7343% | 1,537 |
| Assets per employee ($millions) | 4.4137% | 4,184 |
| Cash dividends to net income (ytd only)* | 14.5631% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,822 |
| Loan loss allowance to noncurrent loans | 14,871.4286% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,398 |
| Noncurrent loans to loans | 0.0066% | 4,058 |
| Net loans and leases to total assets | 48.5719% | 3,448 |
| Net loans and leases to deposits | 53.8090% | 3,613 |
| Net loans and leases to core deposits | 56.0959% | 3,608 |
| Total domestic deposits to total assets | 90.2674% | 833 |
| Equity capital to assets | 9.5703% | 3,074 |
| Core capital (leverage) ratio | 10.3053% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,604,200 | 3,117 |
| Average earning assets | $185,207,800 | 3,062 |
| Average equity | $20,241,000 | 3,195 |
| Average total loans | $104,221,400 | 3,148 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 1,145 |
| Cost of funding earning assets | 0.5664% | 759 |
| Net interest margin | 3.6059% | 1,585 |
| Noninterest income to average assets | 0.6956% | 1,836 |
| Noninterest expense to average assets | 3.0175% | 940 |
| Loan and lease loss provision to assets | -0.1237% | 4,651 |
| Net operating income to assets | 1.0363% | 2,783 |
| Return on assets (ROA) | 1.0720% | 2,708 |
| Pretax return on assets | 1.3098% | 2,599 |
| Return on Equity (ROE) | 9.9434% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.9560% | 2,066 |
| Net charge-offs to loans | -0.0141% | 3,824 |
| Credit loss provision to net charge-offs | 1,572.7273% | 386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5322% | 1,354 |
| Assets per employee ($millions) | 4.0044% | 4,452 |
| Cash dividends to net income (ytd only)* | 19.9867% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 2,283 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.5718% | 3,241 |
| Net loans and leases to deposits | 57.8618% | 3,419 |
| Net loans and leases to core deposits | 60.7057% | 3,428 |
| Total domestic deposits to total assets | 89.1292% | 1,211 |
| Equity capital to assets | 10.5018% | 2,461 |
| Core capital (leverage) ratio | 10.2022% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,687,000 | 3,188 |
| Average earning assets | $179,367,250 | 3,138 |
| Average equity | $20,126,750 | 3,238 |
| Average total loans | $103,754,500 | 3,190 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 809 |
| Cost of funding earning assets | 0.5756% | 838 |
| Net interest margin | 3.8611% | 1,040 |
| Noninterest income to average assets | 0.6855% | 1,864 |
| Noninterest expense to average assets | 2.9393% | 1,086 |
| Loan and lease loss provision to assets | -0.1275% | 4,678 |
| Net operating income to assets | 1.3078% | 1,844 |
| Return on assets (ROA) | 1.3078% | 1,916 |
| Pretax return on assets | 1.5803% | 1,794 |
| Return on Equity (ROE) | 12.0198% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.0149% | 1,704 |
| Net charge-offs to loans | -0.0173% | 3,919 |
| Credit loss provision to net charge-offs | 1,300.0000% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9231% | 2,025 |
| Assets per employee ($millions) | 3.9586% | 4,473 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 2,672 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.4504% | 3,298 |
| Net loans and leases to deposits | 58.6394% | 3,485 |
| Net loans and leases to core deposits | 61.4771% | 3,508 |
| Total domestic deposits to total assets | 89.4457% | 1,059 |
| Equity capital to assets | 10.2547% | 2,616 |
| Core capital (leverage) ratio | 10.5188% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,511,333 | 3,222 |
| Average earning assets | $176,168,333 | 3,165 |
| Average equity | $19,967,000 | 3,246 |
| Average total loans | $104,268,333 | 3,203 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 438 |
| Cost of funding earning assets | 0.6139% | 827 |
| Net interest margin | 4.2498% | 557 |
| Noninterest income to average assets | 0.6897% | 1,899 |
| Noninterest expense to average assets | 2.8859% | 1,184 |
| Loan and lease loss provision to assets | -0.2337% | 4,831 |
| Net operating income to assets | 1.7788% | 817 |
| Return on assets (ROA) | 1.7788% | 871 |
| Pretax return on assets | 2.1055% | 802 |
| Return on Equity (ROE) | 15.8368% | 1,051 |
| Retained earnings to average equity (ytd only) | 9.7768% | 1,722 |
| Net charge-offs to loans | -0.0308% | 4,184 |
| Credit loss provision to net charge-offs | 1,287.5000% | 352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6581% | 2,958 |
| Assets per employee ($millions) | 3.7241% | 4,612 |
| Cash dividends to net income (ytd only)* | 38.2653% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,642 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 2,562 |
| Noncurrent loans to loans | 0.0106% | 4,259 |
| Net loans and leases to total assets | 57.3297% | 2,874 |
| Net loans and leases to deposits | 64.6456% | 3,069 |
| Net loans and leases to core deposits | 67.9895% | 3,060 |
| Total domestic deposits to total assets | 88.6831% | 1,518 |
| Equity capital to assets | 11.0132% | 1,850 |
| Core capital (leverage) ratio | 11.4772% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,303,000 | 3,275 |
| Average earning assets | $168,762,500 | 3,228 |
| Average equity | $19,802,000 | 3,257 |
| Average total loans | $103,957,500 | 3,207 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,075 |
| Cost of funding earning assets | 0.9164% | 815 |
| Net interest margin | 3.6979% | 1,807 |
| Noninterest income to average assets | 0.2984% | 3,696 |
| Noninterest expense to average assets | 3.0950% | 1,243 |
| Loan and lease loss provision to assets | 0.0950% | 3,157 |
| Net operating income to assets | 0.5230% | 3,978 |
| Return on assets (ROA) | 0.7651% | 3,341 |
| Pretax return on assets | 0.9249% | 3,298 |
| Return on Equity (ROE) | 6.6145% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.6145% | 1,541 |
| Net charge-offs to loans | -0.0163% | 4,374 |
| Credit loss provision to net charge-offs | -923.5294% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9531% | 818 |
| Assets per employee ($millions) | 3.6218% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,286 |
| Loan loss allowance to noncurrent loans | 510.3448% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,227 |
| Noncurrent loans to loans | 0.2223% | 3,404 |
| Net loans and leases to total assets | 59.3395% | 2,943 |
| Net loans and leases to deposits | 67.2609% | 3,156 |
| Net loans and leases to core deposits | 71.5668% | 3,121 |
| Total domestic deposits to total assets | 88.2230% | 1,364 |
| Equity capital to assets | 11.4566% | 1,917 |
| Core capital (leverage) ratio | 11.3333% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,199,600 | 3,236 |
| Average earning assets | $157,468,600 | 3,193 |
| Average equity | $19,109,600 | 3,267 |
| Average total loans | $104,367,400 | 3,175 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 937 |
| Cost of funding earning assets | 0.9758% | 833 |
| Net interest margin | 3.7880% | 1,654 |
| Noninterest income to average assets | 0.6101% | 2,134 |
| Noninterest expense to average assets | 3.1428% | 1,166 |
| Loan and lease loss provision to assets | 0.1595% | 2,403 |
| Net operating income to assets | 0.7475% | 3,295 |
| Return on assets (ROA) | 0.8595% | 2,999 |
| Pretax return on assets | 1.0509% | 2,906 |
| Return on Equity (ROE) | 7.4112% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.4112% | 1,529 |
| Net charge-offs to loans | -0.0153% | 4,340 |
| Credit loss provision to net charge-offs | -1,625.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5345% | 1,353 |
| Assets per employee ($millions) | 3.4274% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,961 |
| Loan loss allowance to noncurrent loans | 511.3445% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,309 |
| Noncurrent loans to loans | 0.2239% | 3,499 |
| Net loans and leases to total assets | 62.5818% | 2,935 |
| Net loans and leases to deposits | 74.2085% | 2,934 |
| Net loans and leases to core deposits | 79.4441% | 2,892 |
| Total domestic deposits to total assets | 84.3324% | 2,696 |
| Equity capital to assets | 11.8372% | 1,774 |
| Core capital (leverage) ratio | 11.1499% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,037,750 | 3,242 |
| Average earning assets | $155,221,250 | 3,193 |
| Average equity | $18,907,750 | 3,289 |
| Average total loans | $104,373,250 | 3,181 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 968 |
| Cost of funding earning assets | 1.0176% | 934 |
| Net interest margin | 3.8867% | 1,603 |
| Noninterest income to average assets | 0.5849% | 2,189 |
| Noninterest expense to average assets | 3.2007% | 1,155 |
| Loan and lease loss provision to assets | 0.2478% | 1,696 |
| Net operating income to assets | 0.6882% | 3,433 |
| Return on assets (ROA) | 0.8600% | 2,958 |
| Pretax return on assets | 1.0396% | 2,900 |
| Return on Equity (ROE) | 7.3894% | 2,970 |
| Retained earnings to average equity (ytd only) | 1.0009% | 4,100 |
| Net charge-offs to loans | -0.0096% | 4,201 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7612% | 1,396 |
| Assets per employee ($millions) | 3.4526% | 4,689 |
| Cash dividends to net income (ytd only)* | 86.4553% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,780 |
| Loan loss allowance to noncurrent loans | 372.6994% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 2,238 |
| Noncurrent loans to loans | 0.3086% | 3,280 |
| Net loans and leases to total assets | 61.7214% | 3,151 |
| Net loans and leases to deposits | 74.5089% | 3,027 |
| Net loans and leases to core deposits | 79.8103% | 2,967 |
| Total domestic deposits to total assets | 82.8376% | 3,131 |
| Equity capital to assets | 11.4849% | 1,984 |
| Core capital (leverage) ratio | 11.3623% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,402,000 | 3,232 |
| Average earning assets | $153,497,000 | 3,191 |
| Average equity | $18,783,667 | 3,287 |
| Average total loans | $103,724,333 | 3,181 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 932 |
| Cost of funding earning assets | 1.1159% | 1,003 |
| Net interest margin | 3.9018% | 1,669 |
| Noninterest income to average assets | 0.5180% | 2,453 |
| Noninterest expense to average assets | 3.3597% | 1,126 |
| Loan and lease loss provision to assets | 0.4698% | 629 |
| Net operating income to assets | 0.3581% | 4,223 |
| Return on assets (ROA) | 0.7441% | 3,191 |
| Pretax return on assets | 0.8152% | 3,375 |
| Return on Equity (ROE) | 6.3487% | 3,192 |
| Retained earnings to average equity (ytd only) | -6.6520% | 4,625 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6029% | 1,181 |
| Assets per employee ($millions) | 3.1030% | 4,748 |
| Cash dividends to net income (ytd only)* | 204.7782% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,995 |
| Loan loss allowance to noncurrent loans | 399.6656% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 2,210 |
| Noncurrent loans to loans | 0.2850% | 3,471 |
| Net loans and leases to total assets | 68.2030% | 2,511 |
| Net loans and leases to deposits | 83.1779% | 2,315 |
| Net loans and leases to core deposits | 90.0527% | 2,335 |
| Total domestic deposits to total assets | 81.9966% | 3,422 |
| Equity capital to assets | 11.9008% | 2,143 |
| Core capital (leverage) ratio | 13.3769% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,514,000 | 3,237 |
| Average earning assets | $149,469,500 | 3,203 |
| Average equity | $18,460,500 | 3,326 |
| Average total loans | $102,769,500 | 3,186 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 1,438 |
| Cost of funding earning assets | 1.0807% | 1,400 |
| Net interest margin | 3.9340% | 2,053 |
| Noninterest income to average assets | 0.7364% | 1,676 |
| Noninterest expense to average assets | 3.6054% | 848 |
| Loan and lease loss provision to assets | -0.0747% | 5,042 |
| Net operating income to assets | 0.7971% | 3,566 |
| Return on assets (ROA) | 0.8152% | 3,604 |
| Pretax return on assets | 0.9511% | 3,601 |
| Return on Equity (ROE) | 6.6007% | 3,710 |
| Retained earnings to average equity (ytd only) | 0.8251% | 4,450 |
| Net charge-offs to loans | -0.2683% | 5,080 |
| Credit loss provision to net charge-offs | 42.3077% | 3,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8255% | 878 |
| Assets per employee ($millions) | 3.3261% | 4,624 |
| Cash dividends to net income (ytd only)* | 87.5000% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,484 |
| Loan loss allowance to noncurrent loans | 437.2294% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 1,942 |
| Noncurrent loans to loans | 0.2295% | 3,623 |
| Net loans and leases to total assets | 61.1318% | 3,489 |
| Net loans and leases to deposits | 74.0445% | 3,349 |
| Net loans and leases to core deposits | 78.0638% | 3,445 |
| Total domestic deposits to total assets | 82.5609% | 3,343 |
| Equity capital to assets | 11.5512% | 2,483 |
| Core capital (leverage) ratio | 13.6028% | 1,022 |
| Tier 1 risk-based capital ratio | 16.4579% | 2,231 |
| Total risk-based capital ratio | 17.3603% | 2,314 |
| Memoranda: | ||
| Average total assets | $147,194,600 | 3,334 |
| Average earning assets | $139,350,200 | 3,285 |
| Average equity | $18,180,000 | 3,323 |
| Average total loans | $96,899,000 | 3,267 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 1,300 |
| Cost of funding earning assets | 1.0588% | 1,506 |
| Net interest margin | 4.0325% | 1,827 |
| Noninterest income to average assets | 0.7623% | 1,550 |
| Noninterest expense to average assets | 3.6793% | 770 |
| Loan and lease loss provision to assets | -0.1778% | 5,202 |
| Net operating income to assets | 0.8709% | 3,448 |
| Return on assets (ROA) | 0.8814% | 3,495 |
| Pretax return on assets | 1.0881% | 3,328 |
| Return on Equity (ROE) | 7.0075% | 3,679 |
| Retained earnings to average equity (ytd only) | -0.7622% | 4,839 |
| Net charge-offs to loans | -0.3557% | 5,167 |
| Credit loss provision to net charge-offs | 74.6094% | 2,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3945% | 889 |
| Assets per employee ($millions) | 3.1594% | 4,785 |
| Cash dividends to net income (ytd only)* | 110.8764% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 3,864 |
| Loan loss allowance to noncurrent loans | 540.9357% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 2,220 |
| Noncurrent loans to loans | 0.1740% | 3,916 |
| Net loans and leases to total assets | 65.5454% | 3,109 |
| Net loans and leases to deposits | 81.4953% | 2,746 |
| Net loans and leases to core deposits | 85.6996% | 2,935 |
| Total domestic deposits to total assets | 80.4284% | 3,883 |
| Equity capital to assets | 12.5873% | 1,849 |
| Core capital (leverage) ratio | 13.4153% | 1,161 |
| Tier 1 risk-based capital ratio | 15.7982% | 2,516 |
| Total risk-based capital ratio | 16.6026% | 2,623 |
| Memoranda: | ||
| Average total assets | $143,248,500 | 3,424 |
| Average earning assets | $135,496,000 | 3,379 |
| Average equity | $18,018,500 | 3,359 |
| Average total loans | $95,963,250 | 3,325 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 1,370 |
| Cost of funding earning assets | 1.0075% | 1,661 |
| Net interest margin | 4.0329% | 1,824 |
| Noninterest income to average assets | 0.7675% | 1,449 |
| Noninterest expense to average assets | 3.6509% | 799 |
| Loan and lease loss provision to assets | -0.2629% | 5,266 |
| Net operating income to assets | 0.9495% | 3,093 |
| Return on assets (ROA) | 0.9654% | 3,115 |
| Pretax return on assets | 1.2127% | 2,870 |
| Return on Equity (ROE) | 7.6766% | 3,426 |
| Retained earnings to average equity (ytd only) | -4.1249% | 5,022 |
| Net charge-offs to loans | -0.5231% | 5,227 |
| Credit loss provision to net charge-offs | 74.6988% | 2,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6976% | 992 |
| Assets per employee ($millions) | 3.0350% | 4,881 |
| Cash dividends to net income (ytd only)* | 153.7335% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,838 |
| Loan loss allowance to noncurrent loans | 7,691.6667% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,417 |
| Noncurrent loans to loans | 0.0125% | 4,662 |
| Net loans and leases to total assets | 65.4293% | 3,176 |
| Net loans and leases to deposits | 81.4190% | 2,796 |
| Net loans and leases to core deposits | 85.3385% | 3,010 |
| Total domestic deposits to total assets | 80.3612% | 3,964 |
| Equity capital to assets | 12.5274% | 1,839 |
| Core capital (leverage) ratio | 12.5382% | 1,517 |
| Tier 1 risk-based capital ratio | 15.8533% | 2,476 |
| Total risk-based capital ratio | 16.6707% | 2,579 |
| Memoranda: | ||
| Average total assets | $141,501,000 | 3,475 |
| Average earning assets | $133,800,670 | 3,428 |
| Average equity | $17,794,330 | 3,383 |
| Average total loans | $95,199,670 | 3,352 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,510 |
| Cost of funding earning assets | 0.9640% | 1,727 |
| Net interest margin | 3.9712% | 1,944 |
| Noninterest income to average assets | 0.7230% | 1,536 |
| Noninterest expense to average assets | 3.7845% | 664 |
| Loan and lease loss provision to assets | -0.0402% | 5,247 |
| Net operating income to assets | 0.6012% | 4,244 |
| Return on assets (ROA) | 0.6341% | 4,180 |
| Pretax return on assets | 0.7776% | 4,103 |
| Return on Equity (ROE) | 5.0323% | 4,316 |
| Retained earnings to average equity (ytd only) | -18.8768% | 5,248 |
| Net charge-offs to loans | 0.0042% | 2,562 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 330 |
| Efficiency ratio | 84.4430% | 676 |
| Assets per employee ($millions) | 3.0353% | 4,953 |
| Cash dividends to net income (ytd only)* | 475.1131% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,205 |
| Loan loss allowance to noncurrent loans | 244.2197% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 1,907 |
| Noncurrent loans to loans | 0.3644% | 3,275 |
| Net loans and leases to total assets | 65.9690% | 3,054 |
| Net loans and leases to deposits | 81.7864% | 2,630 |
| Net loans and leases to core deposits | 85.7721% | 2,888 |
| Total domestic deposits to total assets | 80.6600% | 4,032 |
| Equity capital to assets | 12.1760% | 1,917 |
| Core capital (leverage) ratio | 12.6135% | 1,451 |
| Tier 1 risk-based capital ratio | 16.3781% | 2,310 |
| Total risk-based capital ratio | 17.1716% | 2,410 |
| Memoranda: | ||
| Average total assets | $139,411,000 | 3,538 |
| Average earning assets | $131,949,000 | 3,489 |
| Average equity | $17,566,500 | 3,403 |
| Average total loans | $94,679,000 | 3,395 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,164 |
| Cost of funding earning assets | 0.7686% | 1,694 |
| Net interest margin | 4.1788% | 1,454 |
| Noninterest income to average assets | 0.7341% | 1,714 |
| Noninterest expense to average assets | 3.6692% | 807 |
| Loan and lease loss provision to assets | 0.0141% | 3,862 |
| Net operating income to assets | 0.8075% | 3,776 |
| Return on assets (ROA) | 0.8008% | 3,806 |
| Pretax return on assets | 0.9816% | 3,672 |
| Return on Equity (ROE) | 6.2344% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.7740% | 4,011 |
| Net charge-offs to loans | 0.0733% | 2,071 |
| Credit loss provision to net charge-offs | 28.3582% | 3,355 |
| Earnings coverage of net charge-offs (x) | 20.2239% | 2,012 |
| Efficiency ratio | 78.5193% | 1,087 |
| Assets per employee ($millions) | 2.7789% | 5,104 |
| Cash dividends to net income (ytd only)* | 55.5042% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,110 |
| Loan loss allowance to noncurrent loans | 1,178.0822% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 2,403 |
| Noncurrent loans to loans | 0.0773% | 4,407 |
| Net loans and leases to total assets | 68.6988% | 2,779 |
| Net loans and leases to deposits | 87.5920% | 2,105 |
| Net loans and leases to core deposits | 90.8723% | 2,501 |
| Total domestic deposits to total assets | 78.4304% | 4,418 |
| Equity capital to assets | 13.0453% | 1,324 |
| Core capital (leverage) ratio | 13.5745% | 1,051 |
| Tier 1 risk-based capital ratio | 17.4554% | 1,909 |
| Total risk-based capital ratio | 18.2771% | 2,001 |
| Memoranda: | ||
| Average total assets | $134,987,600 | 3,577 |
| Average earning assets | $127,238,000 | 3,537 |
| Average equity | $17,339,400 | 3,357 |
| Average total loans | $91,372,400 | 3,455 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 1,154 |
| Cost of funding earning assets | 0.7486% | 1,589 |
| Net interest margin | 4.1525% | 1,491 |
| Noninterest income to average assets | 0.7800% | 1,540 |
| Noninterest expense to average assets | 3.4844% | 998 |
| Loan and lease loss provision to assets | 0.0455% | 3,079 |
| Net operating income to assets | 0.9441% | 3,330 |
| Return on assets (ROA) | 0.9344% | 3,377 |
| Pretax return on assets | 1.1532% | 3,184 |
| Return on Equity (ROE) | 7.3034% | 3,818 |
| Retained earnings to average equity (ytd only) | 2.6614% | 4,349 |
| Net charge-offs to loans | 0.0633% | 1,923 |
| Credit loss provision to net charge-offs | 106.9767% | 2,158 |
| Earnings coverage of net charge-offs (x) | 28.4429% | 1,663 |
| Efficiency ratio | 74.2146% | 1,559 |
| Assets per employee ($millions) | 2.7986% | 5,155 |
| Cash dividends to net income (ytd only)* | 63.5591% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,914 |
| Loan loss allowance to noncurrent loans | 520.5714% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 2,486 |
| Noncurrent loans to loans | 0.1874% | 4,045 |
| Net loans and leases to total assets | 67.4236% | 3,018 |
| Net loans and leases to deposits | 85.6275% | 2,406 |
| Net loans and leases to core deposits | 88.5503% | 2,792 |
| Total domestic deposits to total assets | 78.7406% | 4,372 |
| Equity capital to assets | 12.6026% | 1,520 |
| Core capital (leverage) ratio | 13.4064% | 1,138 |
| Tier 1 risk-based capital ratio | 17.3378% | 1,986 |
| Total risk-based capital ratio | 18.2089% | 2,072 |
| Memoranda: | ||
| Average total assets | $134,693,500 | 3,617 |
| Average earning assets | $126,989,000 | 3,577 |
| Average equity | $17,233,500 | 3,399 |
| Average total loans | $90,614,750 | 3,492 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 1,095 |
| Cost of funding earning assets | 0.7310% | 1,464 |
| Net interest margin | 4.1332% | 1,462 |
| Noninterest income to average assets | 0.8620% | 1,286 |
| Noninterest expense to average assets | 3.4254% | 1,102 |
| Loan and lease loss provision to assets | 0.0224% | 3,468 |
| Net operating income to assets | 1.0771% | 2,678 |
| Return on assets (ROA) | 1.0771% | 2,683 |
| Pretax return on assets | 1.3251% | 2,417 |
| Return on Equity (ROE) | 8.3753% | 3,329 |
| Retained earnings to average equity (ytd only) | 1.4056% | 4,662 |
| Net charge-offs to loans | -0.0022% | 3,959 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7684% | 2,037 |
| Assets per employee ($millions) | 2.7948% | 5,221 |
| Cash dividends to net income (ytd only)* | 83.2178% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,766 |
| Loan loss allowance to noncurrent loans | 346.0674% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 2,249 |
| Noncurrent loans to loans | 0.2921% | 3,656 |
| Net loans and leases to total assets | 66.0823% | 3,138 |
| Net loans and leases to deposits | 81.7631% | 2,789 |
| Net loans and leases to core deposits | 84.1974% | 3,066 |
| Total domestic deposits to total assets | 80.8216% | 4,050 |
| Equity capital to assets | 12.6093% | 1,483 |
| Core capital (leverage) ratio | 13.2594% | 1,143 |
| Tier 1 risk-based capital ratio | 17.4419% | 1,957 |
| Total risk-based capital ratio | 18.3418% | 2,017 |
| Memoranda: | ||
| Average total assets | $133,881,330 | 3,644 |
| Average earning assets | $126,682,670 | 3,609 |
| Average equity | $17,217,330 | 3,422 |
| Average total loans | $89,696,670 | 3,525 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 1,047 |
| Cost of funding earning assets | 0.7403% | 1,236 |
| Net interest margin | 4.0749% | 1,500 |
| Noninterest income to average assets | 0.5803% | 2,364 |
| Noninterest expense to average assets | 3.4545% | 1,075 |
| Loan and lease loss provision to assets | -0.0060% | 5,401 |
| Net operating income to assets | 0.8251% | 3,610 |
| Return on assets (ROA) | 0.8251% | 3,620 |
| Pretax return on assets | 0.9913% | 3,568 |
| Return on Equity (ROE) | 6.3518% | 4,035 |
| Retained earnings to average equity (ytd only) | -7.6082% | 5,296 |
| Net charge-offs to loans | -0.0270% | 4,693 |
| Credit loss provision to net charge-offs | 33.3333% | 2,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8080% | 1,372 |
| Assets per employee ($millions) | 2.7339% | 5,318 |
| Cash dividends to net income (ytd only)* | 219.7802% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,828 |
| Loan loss allowance to noncurrent loans | 363.3466% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 1,625 |
| Noncurrent loans to loans | 0.2816% | 3,762 |
| Net loans and leases to total assets | 65.8585% | 3,053 |
| Net loans and leases to deposits | 79.7462% | 2,838 |
| Net loans and leases to core deposits | 82.1116% | 3,131 |
| Total domestic deposits to total assets | 82.5851% | 3,793 |
| Equity capital to assets | 12.5590% | 1,445 |
| Core capital (leverage) ratio | 13.3242% | 1,061 |
| Tier 1 risk-based capital ratio | 18.1510% | 1,787 |
| Total risk-based capital ratio | 19.0991% | 1,827 |
| Memoranda: | ||
| Average total assets | $132,349,000 | 3,707 |
| Average earning assets | $125,353,000 | 3,661 |
| Average equity | $17,192,000 | 3,447 |
| Average total loans | $88,834,500 | 3,572 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 1,000 |
| Cost of funding earning assets | 0.6938% | 1,061 |
| Net interest margin | 4.0936% | 1,464 |
| Noninterest income to average assets | 0.4926% | 3,044 |
| Noninterest expense to average assets | 3.3739% | 1,242 |
| Loan and lease loss provision to assets | 0.0446% | 3,350 |
| Net operating income to assets | 0.7075% | 3,572 |
| Return on assets (ROA) | 0.7293% | 3,513 |
| Pretax return on assets | 0.9991% | 3,575 |
| Return on Equity (ROE) | 5.4268% | 3,995 |
| Retained earnings to average equity (ytd only) | -3.1508% | 5,351 |
| Net charge-offs to loans | 0.0982% | 2,098 |
| Credit loss provision to net charge-offs | 68.2353% | 3,112 |
| Earnings coverage of net charge-offs (x) | 15.5176% | 2,242 |
| Efficiency ratio | 76.8961% | 1,498 |
| Assets per employee ($millions) | 2.9713% | 5,213 |
| Cash dividends to net income (ytd only)* | 158.0611% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,768 |
| Loan loss allowance to noncurrent loans | 563.9752% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 1,670 |
| Noncurrent loans to loans | 0.1819% | 4,192 |
| Net loans and leases to total assets | 67.0234% | 2,962 |
| Net loans and leases to deposits | 84.5654% | 2,428 |
| Net loans and leases to core deposits | 86.6888% | 2,859 |
| Total domestic deposits to total assets | 79.2562% | 4,491 |
| Equity capital to assets | 13.4314% | 1,088 |
| Core capital (leverage) ratio | 13.6593% | 920 |
| Tier 1 risk-based capital ratio | 18.3874% | 1,683 |
| Total risk-based capital ratio | 19.3260% | 1,732 |
| Memoranda: | ||
| Average total assets | $130,116,400 | 3,744 |
| Average earning assets | $123,802,000 | 3,687 |
| Average equity | $17,487,400 | 3,433 |
| Average total loans | $86,601,400 | 3,596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 967 |
| Cost of funding earning assets | 0.6925% | 998 |
| Net interest margin | 4.0839% | 1,429 |
| Noninterest income to average assets | 0.4965% | 3,048 |
| Noninterest expense to average assets | 3.2973% | 1,352 |
| Loan and lease loss provision to assets | 0.0595% | 2,889 |
| Net operating income to assets | 0.7500% | 3,738 |
| Return on assets (ROA) | 0.7694% | 3,704 |
| Pretax return on assets | 1.0567% | 3,469 |
| Return on Equity (ROE) | 5.7242% | 4,234 |
| Retained earnings to average equity (ytd only) | -5.7242% | 5,559 |
| Net charge-offs to loans | 0.1146% | 1,645 |
| Credit loss provision to net charge-offs | 78.3784% | 2,609 |
| Earnings coverage of net charge-offs (x) | 14.3519% | 2,293 |
| Efficiency ratio | 75.1637% | 1,712 |
| Assets per employee ($millions) | 3.0993% | 5,175 |
| Cash dividends to net income (ytd only)* | 199.9990% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,808 |
| Loan loss allowance to noncurrent loans | 437.6190% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9575% | 1,777 |
| Noncurrent loans to loans | 0.2393% | 4,097 |
| Net loans and leases to total assets | 65.1694% | 3,221 |
| Net loans and leases to deposits | 81.1083% | 2,865 |
| Net loans and leases to core deposits | 83.0711% | 3,207 |
| Total domestic deposits to total assets | 80.3486% | 4,242 |
| Equity capital to assets | 13.2290% | 1,281 |
| Core capital (leverage) ratio | 13.4254% | 1,053 |
| Tier 1 risk-based capital ratio | 17.8122% | 1,908 |
| Total risk-based capital ratio | 18.7428% | 1,959 |
| Memoranda: | ||
| Average total assets | $129,961,000 | 3,784 |
| Average earning assets | $123,799,250 | 3,714 |
| Average equity | $17,469,250 | 3,466 |
| Average total loans | $86,118,500 | 3,636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 861 |
| Cost of funding earning assets | 0.6950% | 917 |
| Net interest margin | 4.1031% | 1,319 |
| Noninterest income to average assets | 0.5168% | 2,918 |
| Noninterest expense to average assets | 3.3370% | 1,299 |
| Loan and lease loss provision to assets | 0.0621% | 2,724 |
| Net operating income to assets | 0.7408% | 3,667 |
| Return on assets (ROA) | 0.7698% | 3,596 |
| Pretax return on assets | 1.0709% | 3,297 |
| Return on Equity (ROE) | 5.6960% | 4,185 |
| Retained earnings to average equity (ytd only) | -11.5298% | 5,672 |
| Net charge-offs to loans | 0.2010% | 1,004 |
| Credit loss provision to net charge-offs | 46.5116% | 2,595 |
| Earnings coverage of net charge-offs (x) | 8.1860% | 2,529 |
| Efficiency ratio | 75.3329% | 1,815 |
| Assets per employee ($millions) | 2.9910% | 5,274 |
| Cash dividends to net income (ytd only)* | 302.4194% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,865 |
| Loan loss allowance to noncurrent loans | 177.8000% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,042 |
| Noncurrent loans to loans | 0.5889% | 2,963 |
| Net loans and leases to total assets | 63.8390% | 3,409 |
| Net loans and leases to deposits | 76.5748% | 3,273 |
| Net loans and leases to core deposits | 78.7326% | 3,527 |
| Total domestic deposits to total assets | 83.3682% | 3,442 |
| Equity capital to assets | 13.2239% | 1,266 |
| Core capital (leverage) ratio | 13.2729% | 1,065 |
| Tier 1 risk-based capital ratio | 17.9977% | 1,854 |
| Total risk-based capital ratio | 18.9207% | 1,911 |
| Memoranda: | ||
| Average total assets | $128,858,670 | 3,828 |
| Average earning assets | $122,883,670 | 3,751 |
| Average equity | $17,415,670 | 3,479 |
| Average total loans | $85,568,330 | 3,664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 687 |
| Cost of funding earning assets | 0.6841% | 911 |
| Net interest margin | 4.1636% | 1,063 |
| Noninterest income to average assets | 0.5491% | 2,669 |
| Noninterest expense to average assets | 3.3635% | 1,263 |
| Loan and lease loss provision to assets | 0.0188% | 3,328 |
| Net operating income to assets | 0.7791% | 3,317 |
| Return on assets (ROA) | 0.7813% | 3,358 |
| Pretax return on assets | 1.1421% | 2,814 |
| Return on Equity (ROE) | 5.7169% | 4,036 |
| Retained earnings to average equity (ytd only) | -28.7223% | 5,788 |
| Net charge-offs to loans | 0.0140% | 2,523 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 448 |
| Efficiency ratio | 74.3928% | 2,164 |
| Assets per employee ($millions) | 3.0319% | 5,324 |
| Cash dividends to net income (ytd only)* | 602.4096% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,746 |
| Loan loss allowance to noncurrent loans | 244.2708% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 2,504 |
| Noncurrent loans to loans | 0.4475% | 3,490 |
| Net loans and leases to total assets | 65.0993% | 3,104 |
| Net loans and leases to deposits | 77.7924% | 3,000 |
| Net loans and leases to core deposits | 79.9921% | 3,297 |
| Total domestic deposits to total assets | 83.6834% | 3,589 |
| Equity capital to assets | 12.9409% | 1,279 |
| Core capital (leverage) ratio | 13.4385% | 995 |
| Tier 1 risk-based capital ratio | 17.9762% | 1,884 |
| Total risk-based capital ratio | 18.9630% | 1,928 |
| Memoranda: | ||
| Average total assets | $127,486,500 | 3,885 |
| Average earning assets | $121,625,500 | 3,819 |
| Average equity | $17,422,000 | 3,492 |
| Average total loans | $85,901,000 | 3,689 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 959 |
| Cost of funding earning assets | 0.6910% | 850 |
| Net interest margin | 4.0613% | 1,469 |
| Noninterest income to average assets | 0.4802% | 3,350 |
| Noninterest expense to average assets | 3.3273% | 1,521 |
| Loan and lease loss provision to assets | 0.0650% | 3,071 |
| Net operating income to assets | 0.6698% | 3,912 |
| Return on assets (ROA) | 0.7802% | 3,505 |
| Pretax return on assets | 1.1289% | 2,973 |
| Return on Equity (ROE) | 5.5950% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.5950% | 1,950 |
| Net charge-offs to loans | 0.1809% | 1,531 |
| Credit loss provision to net charge-offs | 54.9020% | 3,319 |
| Earnings coverage of net charge-offs (x) | 8.7386% | 2,841 |
| Efficiency ratio | 76.2943% | 1,938 |
| Assets per employee ($millions) | 2.8319% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,780 |
| Loan loss allowance to noncurrent loans | 174.1155% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,454 |
| Noncurrent loans to loans | 0.6245% | 2,975 |
| Net loans and leases to total assets | 68.2640% | 2,730 |
| Net loans and leases to deposits | 82.4847% | 2,608 |
| Net loans and leases to core deposits | 84.9630% | 2,932 |
| Total domestic deposits to total assets | 82.7596% | 3,841 |
| Equity capital to assets | 14.4242% | 756 |
| Core capital (leverage) ratio | 14.6794% | 656 |
| Tier 1 risk-based capital ratio | 19.4602% | 1,492 |
| Total risk-based capital ratio | 20.4522% | 1,507 |
| Memoranda: | ||
| Average total assets | $129,325,600 | 3,845 |
| Average earning assets | $123,582,200 | 3,756 |
| Average equity | $18,034,000 | 3,402 |
| Average total loans | $84,565,600 | 3,695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 961 |
| Cost of funding earning assets | 0.7120% | 769 |
| Net interest margin | 4.0517% | 1,523 |
| Noninterest income to average assets | 0.4679% | 3,438 |
| Noninterest expense to average assets | 3.2672% | 1,635 |
| Loan and lease loss provision to assets | -0.0082% | 5,642 |
| Net operating income to assets | 0.7622% | 3,547 |
| Return on assets (ROA) | 0.9123% | 2,970 |
| Pretax return on assets | 1.2924% | 2,458 |
| Return on Equity (ROE) | 6.5966% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.5966% | 1,848 |
| Net charge-offs to loans | -0.0016% | 4,468 |
| Credit loss provision to net charge-offs | 800.0000% | 505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2825% | 2,063 |
| Assets per employee ($millions) | 2.8434% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,994.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,280 |
| Noncurrent loans to loans | 0.0591% | 5,122 |
| Net loans and leases to total assets | 66.7959% | 2,991 |
| Net loans and leases to deposits | 79.0867% | 3,067 |
| Net loans and leases to core deposits | 81.2126% | 3,339 |
| Total domestic deposits to total assets | 84.4590% | 3,038 |
| Equity capital to assets | 14.8208% | 782 |
| Core capital (leverage) ratio | 14.3309% | 767 |
| Tier 1 risk-based capital ratio | 21.1380% | 1,243 |
| Total risk-based capital ratio | 22.2943% | 1,242 |
| Memoranda: | ||
| Average total assets | $130,506,250 | 3,843 |
| Average earning assets | $124,717,250 | 3,762 |
| Average equity | $18,049,250 | 3,420 |
| Average total loans | $84,208,500 | 3,725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,071 |
| Cost of funding earning assets | 0.7247% | 702 |
| Net interest margin | 3.9637% | 1,760 |
| Noninterest income to average assets | 0.4731% | 3,386 |
| Noninterest expense to average assets | 3.1714% | 1,883 |
| Loan and lease loss provision to assets | 0.0393% | 3,369 |
| Net operating income to assets | 0.7658% | 3,474 |
| Return on assets (ROA) | 0.9644% | 2,697 |
| Pretax return on assets | 1.3212% | 2,319 |
| Return on Equity (ROE) | 7.1345% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.1345% | 1,536 |
| Net charge-offs to loans | -0.0071% | 4,614 |
| Credit loss provision to net charge-offs | -866.6667% | 5,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4500% | 2,299 |
| Assets per employee ($millions) | 2.9159% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,299 |
| Loan loss allowance to noncurrent loans | 12,912.5000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,188 |
| Noncurrent loans to loans | 0.0094% | 5,465 |
| Net loans and leases to total assets | 65.6776% | 3,123 |
| Net loans and leases to deposits | 77.2467% | 3,236 |
| Net loans and leases to core deposits | 79.2422% | 3,528 |
| Total domestic deposits to total assets | 85.0231% | 2,873 |
| Equity capital to assets | 14.3556% | 914 |
| Core capital (leverage) ratio | 13.7046% | 905 |
| Tier 1 risk-based capital ratio | 19.0876% | 1,672 |
| Total risk-based capital ratio | 20.1848% | 1,674 |
| Memoranda: | ||
| Average total assets | $132,305,670 | 3,840 |
| Average earning assets | $126,396,000 | 3,754 |
| Average equity | $17,885,000 | 3,456 |
| Average total loans | $84,090,000 | 3,741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,212 |
| Cost of funding earning assets | 0.7478% | 642 |
| Net interest margin | 3.8731% | 2,019 |
| Noninterest income to average assets | 0.4646% | 3,383 |
| Noninterest expense to average assets | 3.1331% | 2,012 |
| Loan and lease loss provision to assets | 0.1906% | 1,038 |
| Net operating income to assets | 0.6629% | 3,915 |
| Return on assets (ROA) | 0.9649% | 2,548 |
| Pretax return on assets | 1.2300% | 2,580 |
| Return on Equity (ROE) | 7.3559% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.3559% | 1,728 |
| Net charge-offs to loans | 0.0096% | 2,805 |
| Credit loss provision to net charge-offs | 3,200.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 349 |
| Efficiency ratio | 75.1966% | 2,297 |
| Assets per employee ($millions) | 3.0874% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 3,069 |
| Loan loss allowance to noncurrent loans | 646.0606% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 4,755 |
| Noncurrent loans to loans | 0.1962% | 4,715 |
| Net loans and leases to total assets | 62.5404% | 3,449 |
| Net loans and leases to deposits | 72.5712% | 3,595 |
| Net loans and leases to core deposits | 74.5783% | 3,830 |
| Total domestic deposits to total assets | 86.1780% | 2,597 |
| Equity capital to assets | 13.4168% | 1,215 |
| Core capital (leverage) ratio | 13.2225% | 1,073 |
| Tier 1 risk-based capital ratio | 18.1697% | 1,940 |
| Total risk-based capital ratio | 19.2668% | 1,949 |
| Memoranda: | ||
| Average total assets | $134,309,500 | 3,827 |
| Average earning assets | $128,372,500 | 3,745 |
| Average equity | $17,618,500 | 3,488 |
| Average total loans | $83,487,000 | 3,770 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,201 |
| Cost of funding earning assets | 0.7599% | 607 |
| Net interest margin | 3.8976% | 2,038 |
| Noninterest income to average assets | 0.4723% | 3,516 |
| Noninterest expense to average assets | 3.1330% | 2,140 |
| Loan and lease loss provision to assets | 0.1136% | 2,108 |
| Net operating income to assets | 0.6890% | 3,869 |
| Return on assets (ROA) | 0.7589% | 3,629 |
| Pretax return on assets | 1.0426% | 3,297 |
| Return on Equity (ROE) | 5.7384% | 4,162 |
| Retained earnings to average equity (ytd only) | -0.5783% | 5,607 |
| Net charge-offs to loans | 0.1137% | 2,242 |
| Credit loss provision to net charge-offs | 166.3043% | 1,626 |
| Earnings coverage of net charge-offs (x) | 15.5217% | 2,196 |
| Efficiency ratio | 74.7122% | 2,477 |
| Assets per employee ($millions) | 3.0877% | 5,433 |
| Cash dividends to net income (ytd only)* | 110.0783% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 3,409 |
| Loan loss allowance to noncurrent loans | 366.4234% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,414 |
| Noncurrent loans to loans | 0.3306% | 4,276 |
| Net loans and leases to total assets | 60.2650% | 3,796 |
| Net loans and leases to deposits | 71.5462% | 3,763 |
| Net loans and leases to core deposits | 73.5211% | 3,990 |
| Total domestic deposits to total assets | 84.2323% | 3,389 |
| Equity capital to assets | 12.8257% | 1,447 |
| Core capital (leverage) ratio | 12.7994% | 1,228 |
| Tier 1 risk-based capital ratio | 17.7022% | 2,053 |
| Total risk-based capital ratio | 18.7276% | 2,079 |
| Memoranda: | ||
| Average total assets | $134,664,800 | 3,804 |
| Average earning assets | $128,567,000 | 3,731 |
| Average equity | $17,809,800 | 3,408 |
| Average total loans | $80,931,200 | 3,795 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,177 |
| Cost of funding earning assets | 0.7622% | 614 |
| Net interest margin | 3.8993% | 2,033 |
| Noninterest income to average assets | 0.4813% | 3,495 |
| Noninterest expense to average assets | 3.0811% | 2,268 |
| Loan and lease loss provision to assets | 0.1379% | 1,614 |
| Net operating income to assets | 0.7219% | 3,808 |
| Return on assets (ROA) | 0.7690% | 3,678 |
| Pretax return on assets | 1.0479% | 3,424 |
| Return on Equity (ROE) | 5.7707% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.7707% | 2,385 |
| Net charge-offs to loans | 0.0680% | 2,592 |
| Credit loss provision to net charge-offs | 339.0244% | 864 |
| Earnings coverage of net charge-offs (x) | 27.5586% | 1,578 |
| Efficiency ratio | 73.3176% | 2,663 |
| Assets per employee ($millions) | 3.0655% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 3,167 |
| Loan loss allowance to noncurrent loans | 257.0370% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 4,141 |
| Noncurrent loans to loans | 0.5009% | 3,850 |
| Net loans and leases to total assets | 59.1735% | 3,986 |
| Net loans and leases to deposits | 69.9009% | 3,998 |
| Net loans and leases to core deposits | 71.8278% | 4,203 |
| Total domestic deposits to total assets | 84.6534% | 3,150 |
| Equity capital to assets | 13.6162% | 1,171 |
| Core capital (leverage) ratio | 13.4202% | 1,050 |
| Tier 1 risk-based capital ratio | 18.7402% | 1,839 |
| Total risk-based capital ratio | 19.8115% | 1,848 |
| Memoranda: | ||
| Average total assets | $134,366,000 | 3,856 |
| Average earning assets | $128,226,250 | 3,767 |
| Average equity | $17,906,000 | 3,419 |
| Average total loans | $80,444,000 | 3,844 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,139 |
| Cost of funding earning assets | 0.7595% | 612 |
| Net interest margin | 3.9053% | 1,957 |
| Noninterest income to average assets | 0.4158% | 3,963 |
| Noninterest expense to average assets | 3.0404% | 2,425 |
| Loan and lease loss provision to assets | 0.1490% | 1,432 |
| Net operating income to assets | 0.7051% | 3,867 |
| Return on assets (ROA) | 0.7690% | 3,643 |
| Pretax return on assets | 1.0373% | 3,429 |
| Return on Equity (ROE) | 5.8132% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.8132% | 2,350 |
| Net charge-offs to loans | 0.0174% | 3,356 |
| Credit loss provision to net charge-offs | 1,428.5714% | 258 |
| Earnings coverage of net charge-offs (x) | 105.4286% | 578 |
| Efficiency ratio | 73.4341% | 2,762 |
| Assets per employee ($millions) | 2.9328% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,406 |
| Loan loss allowance to noncurrent loans | 149.4949% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 3,461 |
| Noncurrent loans to loans | 0.8486% | 3,005 |
| Net loans and leases to total assets | 61.0917% | 3,681 |
| Net loans and leases to deposits | 72.4249% | 3,678 |
| Net loans and leases to core deposits | 74.4650% | 3,910 |
| Total domestic deposits to total assets | 84.3518% | 3,421 |
| Equity capital to assets | 13.5660% | 1,146 |
| Core capital (leverage) ratio | 13.4417% | 1,004 |
| Tier 1 risk-based capital ratio | 19.5801% | 1,647 |
| Total risk-based capital ratio | 20.7101% | 1,649 |
| Memoranda: | ||
| Average total assets | $134,193,670 | 3,888 |
| Average earning assets | $127,978,330 | 3,798 |
| Average equity | $17,752,670 | 3,460 |
| Average total loans | $80,306,670 | 3,867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,203 |
| Cost of funding earning assets | 0.7600% | 622 |
| Net interest margin | 3.8467% | 2,085 |
| Noninterest income to average assets | 0.4168% | 3,867 |
| Noninterest expense to average assets | 2.9593% | 2,710 |
| Loan and lease loss provision to assets | 0.0473% | 2,984 |
| Net operating income to assets | 0.7765% | 3,384 |
| Return on assets (ROA) | 0.8041% | 3,361 |
| Pretax return on assets | 1.1145% | 3,020 |
| Return on Equity (ROE) | 6.1549% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.1549% | 2,399 |
| Net charge-offs to loans | -0.0050% | 4,493 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4837% | 3,090 |
| Assets per employee ($millions) | 2.9424% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 4,039 |
| Loan loss allowance to noncurrent loans | 857.1429% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 5,069 |
| Noncurrent loans to loans | 0.1388% | 5,278 |
| Net loans and leases to total assets | 58.9088% | 3,812 |
| Net loans and leases to deposits | 69.6388% | 3,791 |
| Net loans and leases to core deposits | 71.3712% | 4,027 |
| Total domestic deposits to total assets | 84.5918% | 3,584 |
| Equity capital to assets | 13.2560% | 1,280 |
| Core capital (leverage) ratio | 13.2308% | 1,076 |
| Tier 1 risk-based capital ratio | 15.2902% | 3,271 |
| Total risk-based capital ratio | 16.1089% | 3,446 |
| Memoranda: | ||
| Average total assets | $135,302,000 | 3,898 |
| Average earning assets | $128,940,500 | 3,807 |
| Average equity | $17,677,000 | 3,499 |
| Average total loans | $79,628,500 | 3,906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 1,081 |
| Cost of funding earning assets | 0.8603% | 479 |
| Net interest margin | 3.9576% | 2,019 |
| Noninterest income to average assets | 0.4023% | 4,162 |
| Noninterest expense to average assets | 3.1756% | 2,274 |
| Loan and lease loss provision to assets | 0.0946% | 2,573 |
| Net operating income to assets | 0.6760% | 4,010 |
| Return on assets (ROA) | 0.8298% | 3,314 |
| Pretax return on assets | 1.0602% | 3,257 |
| Return on Equity (ROE) | 6.6684% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.3156% | 4,580 |
| Net charge-offs to loans | 0.4151% | 1,029 |
| Credit loss provision to net charge-offs | 39.4578% | 3,686 |
| Earnings coverage of net charge-offs (x) | 3.9940% | 3,765 |
| Efficiency ratio | 76.8303% | 2,386 |
| Assets per employee ($millions) | 2.8777% | 5,852 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,992 |
| Loan loss allowance to noncurrent loans | 841.9643% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,922 |
| Noncurrent loans to loans | 0.1426% | 5,323 |
| Net loans and leases to total assets | 57.3891% | 4,137 |
| Net loans and leases to deposits | 67.4736% | 4,177 |
| Net loans and leases to core deposits | 69.1298% | 4,400 |
| Total domestic deposits to total assets | 85.0540% | 3,262 |
| Equity capital to assets | 12.8736% | 1,428 |
| Core capital (leverage) ratio | 12.8476% | 1,199 |
| Tier 1 risk-based capital ratio | 19.3617% | 1,756 |
| Total risk-based capital ratio | 20.4089% | 1,768 |
| Memoranda: | ||
| Average total assets | $138,463,000 | 3,832 |
| Average earning assets | $130,534,600 | 3,756 |
| Average equity | $17,230,600 | 3,495 |
| Average total loans | $79,979,000 | 3,876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 999 |
| Cost of funding earning assets | 1.0997% | 143 |
| Net interest margin | 3.7674% | 2,747 |
| Noninterest income to average assets | 0.3858% | 4,346 |
| Noninterest expense to average assets | 2.9708% | 2,901 |
| Loan and lease loss provision to assets | 0.1637% | 1,515 |
| Net operating income to assets | 0.5884% | 4,490 |
| Return on assets (ROA) | 0.7755% | 3,641 |
| Pretax return on assets | 1.0464% | 3,399 |
| Return on Equity (ROE) | 6.2843% | 4,090 |
| Retained earnings to average equity (ytd only) | 6.2843% | 2,230 |
| Net charge-offs to loans | 0.5610% | 677 |
| Credit loss provision to net charge-offs | 50.5917% | 3,090 |
| Earnings coverage of net charge-offs (x) | 2.9585% | 3,784 |
| Efficiency ratio | 75.6276% | 2,552 |
| Assets per employee ($millions) | 2.9527% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 3,935 |
| Loan loss allowance to noncurrent loans | 1,136.0465% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,194 |
| Noncurrent loans to loans | 0.1102% | 5,601 |
| Net loans and leases to total assets | 56.7440% | 4,235 |
| Net loans and leases to deposits | 66.4540% | 4,284 |
| Net loans and leases to core deposits | 68.7541% | 4,438 |
| Total domestic deposits to total assets | 85.3884% | 3,168 |
| Equity capital to assets | 13.0654% | 1,396 |
| Core capital (leverage) ratio | 12.9506% | 1,202 |
| Tier 1 risk-based capital ratio | 20.0135% | 1,670 |
| Total risk-based capital ratio | 21.1091% | 1,675 |
| Memoranda: | ||
| Average total assets | $139,265,250 | 3,840 |
| Average earning assets | $130,945,250 | 3,771 |
| Average equity | $17,185,250 | 3,518 |
| Average total loans | $80,332,750 | 3,892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 897 |
| Cost of funding earning assets | 1.2431% | 74 |
| Net interest margin | 3.6655% | 3,090 |
| Noninterest income to average assets | 0.4116% | 4,157 |
| Noninterest expense to average assets | 2.9285% | 3,072 |
| Loan and lease loss provision to assets | 0.2080% | 1,146 |
| Net operating income to assets | 0.5698% | 4,498 |
| Return on assets (ROA) | 0.5883% | 4,510 |
| Pretax return on assets | 0.7293% | 4,537 |
| Return on Equity (ROE) | 4.8593% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.8593% | 3,046 |
| Net charge-offs to loans | 0.4513% | 899 |
| Credit loss provision to net charge-offs | 79.7814% | 2,337 |
| Earnings coverage of net charge-offs (x) | 3.5082% | 3,287 |
| Efficiency ratio | 76.2046% | 2,592 |
| Assets per employee ($millions) | 3.0030% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 3,430 |
| Loan loss allowance to noncurrent loans | 297.5806% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 4,266 |
| Noncurrent loans to loans | 0.4654% | 4,603 |
| Net loans and leases to total assets | 55.8463% | 4,305 |
| Net loans and leases to deposits | 66.3055% | 4,242 |
| Net loans and leases to core deposits | 68.3596% | 4,431 |
| Total domestic deposits to total assets | 84.2257% | 3,847 |
| Equity capital to assets | 12.3671% | 1,727 |
| Core capital (leverage) ratio | 12.2565% | 1,520 |
| Tier 1 risk-based capital ratio | 18.7237% | 1,996 |
| Total risk-based capital ratio | 19.9116% | 1,975 |
| Memoranda: | ||
| Average total assets | $140,412,330 | 3,843 |
| Average earning assets | $131,442,000 | 3,774 |
| Average equity | $16,998,330 | 3,543 |
| Average total loans | $81,094,000 | 3,878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 807 |
| Cost of funding earning assets | 0.9324% | 378 |
| Net interest margin | 4.0066% | 1,736 |
| Noninterest income to average assets | 0.3570% | 4,530 |
| Noninterest expense to average assets | 2.9076% | 3,176 |
| Loan and lease loss provision to assets | -0.0685% | 6,469 |
| Net operating income to assets | 0.8997% | 2,655 |
| Return on assets (ROA) | 0.8997% | 2,718 |
| Pretax return on assets | 1.2367% | 2,326 |
| Return on Equity (ROE) | 7.5134% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.5134% | 1,812 |
| Net charge-offs to loans | 0.2498% | 1,327 |
| Credit loss provision to net charge-offs | -47.0588% | 4,744 |
| Earnings coverage of net charge-offs (x) | 8.0196% | 2,064 |
| Efficiency ratio | 71.3385% | 3,602 |
| Assets per employee ($millions) | 3.2536% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,080 |
| Loan loss allowance to noncurrent loans | 172.1417% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 3,937 |
| Noncurrent loans to loans | 0.7608% | 3,963 |
| Net loans and leases to total assets | 56.2718% | 4,112 |
| Net loans and leases to deposits | 66.5282% | 4,020 |
| Net loans and leases to core deposits | 68.5428% | 4,253 |
| Total domestic deposits to total assets | 84.5834% | 4,051 |
| Equity capital to assets | 11.9317% | 1,915 |
| Core capital (leverage) ratio | 12.2681% | 1,498 |
| Tier 1 risk-based capital ratio | 18.3168% | 2,174 |
| Total risk-based capital ratio | 19.4454% | 2,177 |
| Memoranda: | ||
| Average total assets | $140,048,000 | 3,877 |
| Average earning assets | $129,986,500 | 3,832 |
| Average equity | $16,770,000 | 3,582 |
| Average total loans | $81,676,500 | 3,893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 844 |
| Cost of funding earning assets | 0.9850% | 486 |
| Net interest margin | 4.0587% | 1,771 |
| Noninterest income to average assets | 0.5177% | 3,650 |
| Noninterest expense to average assets | 2.9118% | 3,340 |
| Loan and lease loss provision to assets | 0.0455% | 4,209 |
| Net operating income to assets | 0.9564% | 2,534 |
| Return on assets (ROA) | 0.9913% | 2,435 |
| Pretax return on assets | 1.4425% | 1,644 |
| Return on Equity (ROE) | 8.2094% | 2,918 |
| Retained earnings to average equity (ytd only) | 4.3229% | 3,104 |
| Net charge-offs to loans | 0.2772% | 2,315 |
| Credit loss provision to net charge-offs | 27.3913% | 4,302 |
| Earnings coverage of net charge-offs (x) | 8.6565% | 2,632 |
| Efficiency ratio | 66.9489% | 4,378 |
| Assets per employee ($millions) | 3.1123% | 5,649 |
| Cash dividends to net income (ytd only)* | 47.3416% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,660 |
| Loan loss allowance to noncurrent loans | 558.0488% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 4,116 |
| Noncurrent loans to loans | 0.2508% | 5,432 |
| Net loans and leases to total assets | 58.8459% | 3,896 |
| Net loans and leases to deposits | 69.6591% | 3,822 |
| Net loans and leases to core deposits | 72.1831% | 4,046 |
| Total domestic deposits to total assets | 84.4770% | 3,977 |
| Equity capital to assets | 12.0192% | 1,792 |
| Core capital (leverage) ratio | 12.4396% | 1,389 |
| Tier 1 risk-based capital ratio | 18.1562% | 2,197 |
| Total risk-based capital ratio | 19.3759% | 2,170 |
| Memoranda: | ||
| Average total assets | $138,505,200 | 3,911 |
| Average earning assets | $130,756,400 | 3,830 |
| Average equity | $16,724,800 | 3,596 |
| Average total loans | $82,977,800 | 3,850 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 874 |
| Cost of funding earning assets | 0.9993% | 496 |
| Net interest margin | 4.0337% | 1,832 |
| Noninterest income to average assets | 0.5500% | 3,457 |
| Noninterest expense to average assets | 2.8510% | 3,484 |
| Loan and lease loss provision to assets | 0.2189% | 1,662 |
| Net operating income to assets | 0.8930% | 2,867 |
| Return on assets (ROA) | 0.9148% | 2,863 |
| Pretax return on assets | 1.3209% | 2,256 |
| Return on Equity (ROE) | 7.5672% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.5672% | 1,608 |
| Net charge-offs to loans | 0.3714% | 1,711 |
| Credit loss provision to net charge-offs | 98.2759% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.7714% | 2,909 |
| Efficiency ratio | 65.4041% | 4,590 |
| Assets per employee ($millions) | 2.9407% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 3,134 |
| Loan loss allowance to noncurrent loans | 145.2222% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 3,883 |
| Noncurrent loans to loans | 1.0826% | 3,631 |
| Net loans and leases to total assets | 59.2021% | 3,823 |
| Net loans and leases to deposits | 70.7921% | 3,668 |
| Net loans and leases to core deposits | 73.3541% | 3,927 |
| Total domestic deposits to total assets | 83.6282% | 4,334 |
| Equity capital to assets | 12.1928% | 1,787 |
| Core capital (leverage) ratio | 12.5217% | 1,412 |
| Tier 1 risk-based capital ratio | 18.2393% | 2,233 |
| Total risk-based capital ratio | 19.4904% | 2,198 |
| Memoranda: | ||
| Average total assets | $138,896,750 | 3,937 |
| Average earning assets | $131,158,500 | 3,862 |
| Average equity | $16,791,250 | 3,631 |
| Average total loans | $83,290,500 | 3,876 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 907 |
| Cost of funding earning assets | 1.0176% | 498 |
| Net interest margin | 3.9835% | 1,922 |
| Noninterest income to average assets | 0.6124% | 3,118 |
| Noninterest expense to average assets | 2.8651% | 3,455 |
| Loan and lease loss provision to assets | 0.2717% | 1,355 |
| Net operating income to assets | 0.8568% | 3,012 |
| Return on assets (ROA) | 0.8467% | 3,214 |
| Pretax return on assets | 1.2147% | 2,604 |
| Return on Equity (ROE) | 7.0240% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.0240% | 1,884 |
| Net charge-offs to loans | 0.5039% | 1,303 |
| Credit loss provision to net charge-offs | 90.0000% | 2,437 |
| Earnings coverage of net charge-offs (x) | 4.9714% | 2,990 |
| Efficiency ratio | 65.6240% | 4,613 |
| Assets per employee ($millions) | 2.8977% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,311 |
| Loan loss allowance to noncurrent loans | 242.9379% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 4,805 |
| Noncurrent loans to loans | 0.6422% | 4,656 |
| Net loans and leases to total assets | 58.5221% | 3,899 |
| Net loans and leases to deposits | 69.0929% | 3,847 |
| Net loans and leases to core deposits | 71.5369% | 4,105 |
| Total domestic deposits to total assets | 84.7007% | 4,039 |
| Equity capital to assets | 11.7815% | 2,067 |
| Core capital (leverage) ratio | 11.9173% | 1,659 |
| Tier 1 risk-based capital ratio | 18.0436% | 2,303 |
| Total risk-based capital ratio | 19.2952% | 2,265 |
| Memoranda: | ||
| Average total assets | $139,124,670 | 3,969 |
| Average earning assets | $131,092,000 | 3,883 |
| Average equity | $16,771,000 | 3,656 |
| Average total loans | $83,343,330 | 3,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 887 |
| Cost of funding earning assets | 1.0432% | 486 |
| Net interest margin | 3.9564% | 1,930 |
| Noninterest income to average assets | 0.5520% | 3,427 |
| Noninterest expense to average assets | 2.8805% | 3,416 |
| Loan and lease loss provision to assets | 0.2185% | 1,697 |
| Net operating income to assets | 0.8056% | 3,128 |
| Return on assets (ROA) | 0.8193% | 3,192 |
| Pretax return on assets | 1.2017% | 2,567 |
| Return on Equity (ROE) | 6.7205% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,303 |
| Net charge-offs to loans | 0.1243% | 2,680 |
| Credit loss provision to net charge-offs | 292.3077% | 820 |
| Earnings coverage of net charge-offs (x) | 18.7308% | 1,250 |
| Efficiency ratio | 67.2935% | 4,446 |
| Assets per employee ($millions) | 2.9755% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 3,204 |
| Loan loss allowance to noncurrent loans | 231.4626% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 4,779 |
| Noncurrent loans to loans | 0.7118% | 4,701 |
| Net loans and leases to total assets | 56.8874% | 3,947 |
| Net loans and leases to deposits | 67.4896% | 3,839 |
| Net loans and leases to core deposits | 69.8102% | 4,106 |
| Total domestic deposits to total assets | 84.2907% | 4,360 |
| Equity capital to assets | 11.9201% | 2,094 |
| Core capital (leverage) ratio | 11.8036% | 1,677 |
| Tier 1 risk-based capital ratio | 17.6933% | 2,487 |
| Total risk-based capital ratio | 18.9463% | 2,452 |
| Memoranda: | ||
| Average total assets | $139,141,500 | 4,003 |
| Average earning assets | $131,130,500 | 3,917 |
| Average equity | $16,963,000 | 3,680 |
| Average total loans | $83,670,500 | 3,908 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 722 |
| Cost of funding earning assets | 1.2404% | 480 |
| Net interest margin | 4.1870% | 1,691 |
| Noninterest income to average assets | 0.4745% | 4,066 |
| Noninterest expense to average assets | 2.8039% | 4,009 |
| Loan and lease loss provision to assets | 0.2554% | 2,615 |
| Net operating income to assets | 0.9723% | 2,453 |
| Return on assets (ROA) | 1.0305% | 2,413 |
| Pretax return on assets | 1.4409% | 1,891 |
| Return on Equity (ROE) | 7.6901% | 3,238 |
| Retained earnings to average equity (ytd only) | -6.9732% | 6,527 |
| Net charge-offs to loans | 0.2587% | 3,391 |
| Credit loss provision to net charge-offs | 158.8235% | 1,693 |
| Earnings coverage of net charge-offs (x) | 10.0452% | 2,190 |
| Efficiency ratio | 63.4448% | 4,987 |
| Assets per employee ($millions) | 2.9447% | 6,090 |
| Cash dividends to net income (ytd only)* | 190.6780% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,535 |
| Loan loss allowance to noncurrent loans | 257.0588% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 4,883 |
| Noncurrent loans to loans | 0.6019% | 5,015 |
| Net loans and leases to total assets | 61.5834% | 3,323 |
| Net loans and leases to deposits | 73.8208% | 3,121 |
| Net loans and leases to core deposits | 76.5235% | 3,462 |
| Total domestic deposits to total assets | 83.4228% | 4,561 |
| Equity capital to assets | 12.4770% | 1,732 |
| Core capital (leverage) ratio | 11.9742% | 1,578 |
| Tier 1 risk-based capital ratio | 17.4533% | 2,467 |
| Total risk-based capital ratio | 18.7056% | 2,440 |
| Memoranda: | ||
| Average total assets | $137,414,400 | 3,996 |
| Average earning assets | $129,472,800 | 3,912 |
| Average equity | $18,413,400 | 3,420 |
| Average total loans | $85,436,800 | 3,866 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 771 |
| Cost of funding earning assets | 1.2906% | 456 |
| Net interest margin | 4.1456% | 1,918 |
| Noninterest income to average assets | 0.4515% | 4,281 |
| Noninterest expense to average assets | 2.7419% | 4,204 |
| Loan and lease loss provision to assets | 0.0609% | 4,955 |
| Net operating income to assets | 1.0959% | 2,109 |
| Return on assets (ROA) | 1.1602% | 2,061 |
| Pretax return on assets | 1.6475% | 1,422 |
| Return on Equity (ROE) | 8.5143% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.5143% | 1,404 |
| Net charge-offs to loans | 0.0296% | 5,241 |
| Credit loss provision to net charge-offs | 331.5789% | 802 |
| Earnings coverage of net charge-offs (x) | 88.0095% | 472 |
| Efficiency ratio | 62.9104% | 4,994 |
| Assets per employee ($millions) | 2.9660% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,232 |
| Loan loss allowance to noncurrent loans | 128.1381% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 4,422 |
| Noncurrent loans to loans | 1.1179% | 4,192 |
| Net loans and leases to total assets | 61.7804% | 3,429 |
| Net loans and leases to deposits | 76.6918% | 2,882 |
| Net loans and leases to core deposits | 79.5710% | 3,260 |
| Total domestic deposits to total assets | 80.5567% | 5,493 |
| Equity capital to assets | 14.2937% | 1,042 |
| Core capital (leverage) ratio | 13.7381% | 930 |
| Tier 1 risk-based capital ratio | 20.0388% | 1,745 |
| Total risk-based capital ratio | 21.2897% | 1,717 |
| Memoranda: | ||
| Average total assets | $137,903,750 | 4,027 |
| Average earning assets | $129,966,750 | 3,936 |
| Average equity | $18,791,500 | 3,393 |
| Average total loans | $85,613,500 | 3,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 738 |
| Cost of funding earning assets | 1.3462% | 436 |
| Net interest margin | 4.1414% | 1,936 |
| Noninterest income to average assets | 0.3931% | 4,702 |
| Noninterest expense to average assets | 2.8224% | 3,932 |
| Loan and lease loss provision to assets | 0.0679% | 4,781 |
| Net operating income to assets | 1.0200% | 2,381 |
| Return on assets (ROA) | 1.1012% | 2,264 |
| Pretax return on assets | 1.5131% | 1,813 |
| Return on Equity (ROE) | 8.2136% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.2136% | 1,562 |
| Net charge-offs to loans | 0.0047% | 5,440 |
| Credit loss provision to net charge-offs | 2,350.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 508.5000% | 82 |
| Efficiency ratio | 65.7576% | 4,575 |
| Assets per employee ($millions) | 2.9737% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,304 |
| Loan loss allowance to noncurrent loans | 222.9091% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 5,450 |
| Noncurrent loans to loans | 0.6447% | 5,223 |
| Net loans and leases to total assets | 61.4735% | 3,539 |
| Net loans and leases to deposits | 74.9209% | 3,139 |
| Net loans and leases to core deposits | 78.3251% | 3,464 |
| Total domestic deposits to total assets | 82.0512% | 5,107 |
| Equity capital to assets | 13.8834% | 1,151 |
| Core capital (leverage) ratio | 13.3606% | 1,032 |
| Tier 1 risk-based capital ratio | 19.6457% | 1,802 |
| Total risk-based capital ratio | 20.8960% | 1,769 |
| Memoranda: | ||
| Average total assets | $138,392,330 | 4,041 |
| Average earning assets | $130,295,000 | 3,951 |
| Average equity | $18,554,670 | 3,419 |
| Average total loans | $85,645,670 | 3,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 688 |
| Cost of funding earning assets | 1.3891% | 444 |
| Net interest margin | 4.1641% | 1,872 |
| Noninterest income to average assets | 0.4052% | 4,631 |
| Noninterest expense to average assets | 2.8507% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0737% | 2,192 |
| Return on assets (ROA) | 1.1409% | 2,101 |
| Pretax return on assets | 1.5662% | 1,681 |
| Return on Equity (ROE) | 8.6603% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.6603% | 1,715 |
| Net charge-offs to loans | -0.0093% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9136% | 4,567 |
| Assets per employee ($millions) | 3.0456% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,701 |
| Loan loss allowance to noncurrent loans | 833.0986% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 6,084 |
| Noncurrent loans to loans | 0.1653% | 6,349 |
| Net loans and leases to total assets | 60.4687% | 3,566 |
| Net loans and leases to deposits | 73.4770% | 3,200 |
| Net loans and leases to core deposits | 76.7042% | 3,523 |
| Total domestic deposits to total assets | 82.2961% | 5,202 |
| Equity capital to assets | 13.2328% | 1,344 |
| Core capital (leverage) ratio | 12.7753% | 1,215 |
| Tier 1 risk-based capital ratio | 18.9347% | 2,011 |
| Total risk-based capital ratio | 20.1800% | 1,971 |
| Memoranda: | ||
| Average total assets | $139,194,000 | 4,052 |
| Average earning assets | $131,023,500 | 3,968 |
| Average equity | $18,336,500 | 3,448 |
| Average total loans | $85,811,000 | 3,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 802 |
| Cost of funding earning assets | 1.6568% | 387 |
| Net interest margin | 4.0291% | 2,736 |
| Noninterest income to average assets | 0.2586% | 5,686 |
| Noninterest expense to average assets | 2.9056% | 3,938 |
| Loan and lease loss provision to assets | 0.2225% | 3,975 |
| Net operating income to assets | 0.6296% | 3,832 |
| Return on assets (ROA) | 0.8559% | 2,945 |
| Pretax return on assets | 1.2401% | 2,326 |
| Return on Equity (ROE) | 6.8354% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.8354% | 1,580 |
| Net charge-offs to loans | 0.3392% | 3,704 |
| Credit loss provision to net charge-offs | 105.8419% | 3,226 |
| Earnings coverage of net charge-offs (x) | 5.3986% | 2,804 |
| Efficiency ratio | 71.9163% | 3,593 |
| Assets per employee ($millions) | 3.0063% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,570 |
| Loan loss allowance to noncurrent loans | 208.6572% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 4,998 |
| Noncurrent loans to loans | 0.6603% | 5,385 |
| Net loans and leases to total assets | 61.1343% | 3,748 |
| Net loans and leases to deposits | 73.7830% | 3,533 |
| Net loans and leases to core deposits | 77.2800% | 3,788 |
| Total domestic deposits to total assets | 82.8569% | 4,808 |
| Equity capital to assets | 13.1131% | 1,435 |
| Core capital (leverage) ratio | 12.6629% | 1,282 |
| Tier 1 risk-based capital ratio | 18.4207% | 2,072 |
| Total risk-based capital ratio | 19.6574% | 2,039 |
| Memoranda: | ||
| Average total assets | $138,456,600 | 4,003 |
| Average earning assets | $129,953,000 | 3,932 |
| Average equity | $17,336,200 | 3,526 |
| Average total loans | $85,799,200 | 3,968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7533% | 770 |
| Cost of funding earning assets | 1.7101% | 384 |
| Net interest margin | 4.0432% | 2,722 |
| Noninterest income to average assets | 0.2185% | 6,048 |
| Noninterest expense to average assets | 2.8572% | 4,115 |
| Loan and lease loss provision to assets | 0.1771% | 4,260 |
| Net operating income to assets | 0.7111% | 3,552 |
| Return on assets (ROA) | 0.9261% | 2,789 |
| Pretax return on assets | 1.2707% | 2,397 |
| Return on Equity (ROE) | 7.4847% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.4847% | 1,718 |
| Net charge-offs to loans | 0.3465% | 3,363 |
| Credit loss provision to net charge-offs | 82.5112% | 4,056 |
| Earnings coverage of net charge-offs (x) | 5.3721% | 2,805 |
| Efficiency ratio | 71.2434% | 3,697 |
| Assets per employee ($millions) | 2.9876% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,884 |
| Loan loss allowance to noncurrent loans | 282.6633% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 5,523 |
| Noncurrent loans to loans | 0.4699% | 5,905 |
| Net loans and leases to total assets | 60.8065% | 3,981 |
| Net loans and leases to deposits | 73.6267% | 3,702 |
| Net loans and leases to core deposits | 79.1684% | 3,752 |
| Total domestic deposits to total assets | 82.5876% | 4,841 |
| Equity capital to assets | 13.0669% | 1,587 |
| Core capital (leverage) ratio | 12.4213% | 1,472 |
| Tier 1 risk-based capital ratio | 18.5380% | 2,081 |
| Total risk-based capital ratio | 19.7389% | 2,058 |
| Memoranda: | ||
| Average total assets | $138,498,500 | 4,031 |
| Average earning assets | $129,894,250 | 3,960 |
| Average equity | $17,136,750 | 3,562 |
| Average total loans | $85,818,250 | 4,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 863 |
| Cost of funding earning assets | 1.7146% | 442 |
| Net interest margin | 3.9921% | 2,874 |
| Noninterest income to average assets | 0.0979% | 6,837 |
| Noninterest expense to average assets | 2.8116% | 4,379 |
| Loan and lease loss provision to assets | 0.1872% | 4,040 |
| Net operating income to assets | 0.6165% | 3,975 |
| Return on assets (ROA) | 0.7764% | 3,303 |
| Pretax return on assets | 1.0543% | 3,029 |
| Return on Equity (ROE) | 6.3927% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,194 |
| Net charge-offs to loans | 0.4061% | 2,927 |
| Credit loss provision to net charge-offs | 74.2857% | 3,937 |
| Earnings coverage of net charge-offs (x) | 4.0686% | 2,976 |
| Efficiency ratio | 73.2733% | 3,504 |
| Assets per employee ($millions) | 3.0469% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,975 |
| Loan loss allowance to noncurrent loans | 282.5758% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 5,826 |
| Noncurrent loans to loans | 0.4668% | 5,973 |
| Net loans and leases to total assets | 59.7334% | 4,324 |
| Net loans and leases to deposits | 71.3811% | 4,219 |
| Net loans and leases to core deposits | 76.4217% | 4,257 |
| Total domestic deposits to total assets | 83.6825% | 4,478 |
| Equity capital to assets | 12.3684% | 1,863 |
| Core capital (leverage) ratio | 12.0118% | 1,589 |
| Tier 1 risk-based capital ratio | 17.9441% | 2,196 |
| Total risk-based capital ratio | 19.1291% | 2,167 |
| Memoranda: | ||
| Average total assets | $138,854,330 | 4,048 |
| Average earning assets | $130,057,330 | 3,981 |
| Average equity | $16,863,000 | 3,600 |
| Average total loans | $86,193,670 | 4,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7090% | 864 |
| Cost of funding earning assets | 1.7306% | 495 |
| Net interest margin | 3.9783% | 2,780 |
| Noninterest income to average assets | -0.1679% | 7,416 |
| Noninterest expense to average assets | 2.8480% | 4,272 |
| Loan and lease loss provision to assets | 0.1447% | 4,197 |
| Net operating income to assets | 0.3357% | 5,246 |
| Return on assets (ROA) | 0.3357% | 5,324 |
| Pretax return on assets | 0.5586% | 4,835 |
| Return on Equity (ROE) | 2.7906% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.7906% | 4,497 |
| Net charge-offs to loans | 0.3453% | 2,680 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 2,808 |
| Efficiency ratio | 80.1956% | 2,495 |
| Assets per employee ($millions) | 3.1107% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 5,066 |
| Loan loss allowance to noncurrent loans | 446.6667% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 5,758 |
| Noncurrent loans to loans | 0.2941% | 6,397 |
| Net loans and leases to total assets | 61.1330% | 4,049 |
| Net loans and leases to deposits | 72.6274% | 3,969 |
| Net loans and leases to core deposits | 77.6978% | 4,062 |
| Total domestic deposits to total assets | 84.1735% | 4,421 |
| Equity capital to assets | 11.9331% | 1,957 |
| Core capital (leverage) ratio | 11.9822% | 1,579 |
| Tier 1 risk-based capital ratio | 17.5826% | 2,256 |
| Total risk-based capital ratio | 18.7948% | 2,242 |
| Memoranda: | ||
| Average total assets | $138,203,500 | 4,092 |
| Average earning assets | $129,200,500 | 4,042 |
| Average equity | $16,627,000 | 3,620 |
| Average total loans | $86,871,000 | 4,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9397% | 960 |
| Cost of funding earning assets | 1.9315% | 762 |
| Net interest margin | 4.0082% | 2,989 |
| Noninterest income to average assets | 0.4668% | 4,400 |
| Noninterest expense to average assets | 2.8445% | 4,424 |
| Loan and lease loss provision to assets | 0.2301% | 4,983 |
| Net operating income to assets | 0.8519% | 2,581 |
| Return on assets (ROA) | 0.8976% | 2,531 |
| Pretax return on assets | 1.1548% | 2,378 |
| Return on Equity (ROE) | 7.1553% | 3,047 |
| Retained earnings to average equity (ytd only) | -2.1904% | 5,993 |
| Net charge-offs to loans | 0.3286% | 4,364 |
| Credit loss provision to net charge-offs | 109.7902% | 4,016 |
| Earnings coverage of net charge-offs (x) | 6.3287% | 2,383 |
| Efficiency ratio | 68.2010% | 4,523 |
| Assets per employee ($millions) | 2.9658% | 6,178 |
| Cash dividends to net income (ytd only)* | 130.6122% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,812 |
| Loan loss allowance to noncurrent loans | 191.1330% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 5,273 |
| Noncurrent loans to loans | 0.6998% | 5,650 |
| Net loans and leases to total assets | 62.9384% | 4,085 |
| Net loans and leases to deposits | 75.0319% | 4,019 |
| Net loans and leases to core deposits | 80.6676% | 4,108 |
| Total domestic deposits to total assets | 83.8822% | 4,408 |
| Equity capital to assets | 12.1310% | 1,837 |
| Core capital (leverage) ratio | 11.7744% | 1,689 |
| Tier 1 risk-based capital ratio | 17.4277% | 2,199 |
| Total risk-based capital ratio | 18.6642% | 2,171 |
| Memoranda: | ||
| Average total assets | $136,471,800 | 4,131 |
| Average earning assets | $126,116,600 | 4,100 |
| Average equity | $17,120,200 | 3,574 |
| Average total loans | $87,036,600 | 4,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0473% | 847 |
| Cost of funding earning assets | 1.9450% | 893 |
| Net interest margin | 4.1023% | 2,611 |
| Noninterest income to average assets | 0.4435% | 4,610 |
| Noninterest expense to average assets | 2.7920% | 4,526 |
| Loan and lease loss provision to assets | 0.2735% | 4,397 |
| Net operating income to assets | 0.9027% | 2,596 |
| Return on assets (ROA) | 0.9583% | 2,506 |
| Pretax return on assets | 1.2260% | 2,407 |
| Return on Equity (ROE) | 7.5768% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.9427% | 4,372 |
| Net charge-offs to loans | 0.3646% | 3,844 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 6.1428% | 2,592 |
| Efficiency ratio | 66.1574% | 4,824 |
| Assets per employee ($millions) | 2.9867% | 6,177 |
| Cash dividends to net income (ytd only)* | 61.1620% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,731 |
| Loan loss allowance to noncurrent loans | 146.6999% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 5,065 |
| Noncurrent loans to loans | 0.9171% | 5,410 |
| Net loans and leases to total assets | 62.8738% | 4,355 |
| Net loans and leases to deposits | 75.2107% | 4,314 |
| Net loans and leases to core deposits | 89.1877% | 3,212 |
| Total domestic deposits to total assets | 83.5968% | 4,322 |
| Equity capital to assets | 12.9065% | 1,627 |
| Core capital (leverage) ratio | 12.4537% | 1,437 |
| Tier 1 risk-based capital ratio | 18.2246% | 1,958 |
| Total risk-based capital ratio | 19.4745% | 1,914 |
| Memoranda: | ||
| Average total assets | $136,483,000 | 4,178 |
| Average earning assets | $125,650,250 | 4,167 |
| Average equity | $17,262,750 | 3,597 |
| Average total loans | $87,038,500 | 4,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0306% | 873 |
| Cost of funding earning assets | 1.9337% | 1,096 |
| Net interest margin | 4.0970% | 2,571 |
| Noninterest income to average assets | 0.4479% | 4,535 |
| Noninterest expense to average assets | 2.7772% | 4,588 |
| Loan and lease loss provision to assets | 0.0940% | 5,971 |
| Net operating income to assets | 0.9995% | 2,207 |
| Return on assets (ROA) | 1.0574% | 2,061 |
| Pretax return on assets | 1.4554% | 1,681 |
| Return on Equity (ROE) | 8.4179% | 2,702 |
| Retained earnings to average equity (ytd only) | 1.4030% | 5,177 |
| Net charge-offs to loans | 0.0783% | 5,359 |
| Credit loss provision to net charge-offs | 188.2353% | 2,095 |
| Earnings coverage of net charge-offs (x) | 29.4412% | 931 |
| Efficiency ratio | 65.3873% | 5,082 |
| Assets per employee ($millions) | 2.9749% | 6,185 |
| Cash dividends to net income (ytd only)* | 83.3333% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,770 |
| Loan loss allowance to noncurrent loans | 130.1339% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 4,936 |
| Noncurrent loans to loans | 1.0218% | 5,265 |
| Net loans and leases to total assets | 63.2261% | 4,411 |
| Net loans and leases to deposits | 75.3612% | 4,445 |
| Net loans and leases to core deposits | 88.0274% | 3,544 |
| Total domestic deposits to total assets | 83.8973% | 4,148 |
| Equity capital to assets | 12.6528% | 1,712 |
| Core capital (leverage) ratio | 12.2840% | 1,504 |
| Tier 1 risk-based capital ratio | 17.7960% | 2,010 |
| Total risk-based capital ratio | 19.0237% | 1,980 |
| Memoranda: | ||
| Average total assets | $136,181,330 | 4,205 |
| Average earning assets | $126,289,000 | 4,177 |
| Average equity | $17,106,330 | 3,618 |
| Average total loans | $86,865,000 | 4,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0593% | 862 |
| Cost of funding earning assets | 1.9422% | 1,277 |
| Net interest margin | 4.1172% | 2,367 |
| Noninterest income to average assets | 0.3857% | 5,036 |
| Noninterest expense to average assets | 2.7590% | 4,656 |
| Loan and lease loss provision to assets | 0.1207% | 5,378 |
| Net operating income to assets | 1.0374% | 2,043 |
| Return on assets (ROA) | 1.1631% | 1,717 |
| Pretax return on assets | 1.4663% | 1,604 |
| Return on Equity (ROE) | 9.2930% | 2,380 |
| Retained earnings to average equity (ytd only) | -4.8230% | 6,578 |
| Net charge-offs to loans | 0.0509% | 4,895 |
| Credit loss provision to net charge-offs | 372.7273% | 1,095 |
| Earnings coverage of net charge-offs (x) | 44.0909% | 627 |
| Efficiency ratio | 65.8931% | 5,141 |
| Assets per employee ($millions) | 3.1184% | 5,957 |
| Cash dividends to net income (ytd only)* | 151.8987% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,755 |
| Loan loss allowance to noncurrent loans | 392.5926% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 6,208 |
| Noncurrent loans to loans | 0.3400% | 6,620 |
| Net loans and leases to total assets | 61.4261% | 4,866 |
| Net loans and leases to deposits | 72.5170% | 4,984 |
| Net loans and leases to core deposits | 85.7837% | 3,931 |
| Total domestic deposits to total assets | 84.7058% | 3,807 |
| Equity capital to assets | 12.0126% | 2,035 |
| Core capital (leverage) ratio | 12.2949% | 1,496 |
| Tier 1 risk-based capital ratio | 17.1459% | 2,221 |
| Total risk-based capital ratio | 18.3520% | 2,185 |
| Memoranda: | ||
| Average total assets | $135,848,500 | 4,279 |
| Average earning assets | $125,426,500 | 4,251 |
| Average equity | $17,002,000 | 3,653 |
| Average total loans | $86,453,000 | 4,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3401% | 954 |
| Cost of funding earning assets | 2.4317% | 1,204 |
| Net interest margin | 3.9084% | 3,235 |
| Noninterest income to average assets | 0.4386% | 4,894 |
| Noninterest expense to average assets | 2.8748% | 4,634 |
| Loan and lease loss provision to assets | 0.1779% | 5,917 |
| Net operating income to assets | 0.8493% | 2,351 |
| Return on assets (ROA) | 0.8059% | 2,600 |
| Pretax return on assets | 0.9800% | 2,660 |
| Return on Equity (ROE) | 6.3793% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.3793% | 1,197 |
| Net charge-offs to loans | 0.2354% | 5,152 |
| Credit loss provision to net charge-offs | 117.1717% | 4,627 |
| Earnings coverage of net charge-offs (x) | 7.9747% | 2,026 |
| Efficiency ratio | 70.3641% | 4,544 |
| Assets per employee ($millions) | 2.9857% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,604 |
| Loan loss allowance to noncurrent loans | 351.7028% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 6,042 |
| Noncurrent loans to loans | 0.3776% | 6,523 |
| Net loans and leases to total assets | 64.2511% | 4,546 |
| Net loans and leases to deposits | 76.9321% | 4,583 |
| Net loans and leases to core deposits | 97.7702% | 4,251 |
| Total domestic deposits to total assets | 83.5167% | 4,271 |
| Equity capital to assets | 13.0525% | 1,492 |
| Core capital (leverage) ratio | 12.6926% | 1,357 |
| Tier 1 risk-based capital ratio | 17.6251% | 1,989 |
| Total risk-based capital ratio | 18.8182% | 1,970 |
| Memoranda: | ||
| Average total assets | $130,409,400 | 4,327 |
| Average earning assets | $121,686,400 | 4,268 |
| Average equity | $16,475,200 | 3,782 |
| Average total loans | $84,096,800 | 4,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3371% | 1,053 |
| Cost of funding earning assets | 2.5550% | 1,144 |
| Net interest margin | 3.7821% | 3,727 |
| Noninterest income to average assets | 0.4415% | 4,957 |
| Noninterest expense to average assets | 2.8567% | 4,633 |
| Loan and lease loss provision to assets | 0.2253% | 5,165 |
| Net operating income to assets | 0.8278% | 2,701 |
| Return on assets (ROA) | 0.7621% | 3,038 |
| Pretax return on assets | 0.8215% | 3,469 |
| Return on Equity (ROE) | 6.0831% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.0831% | 1,908 |
| Net charge-offs to loans | 0.2834% | 4,263 |
| Credit loss provision to net charge-offs | 123.5955% | 4,078 |
| Earnings coverage of net charge-offs (x) | 6.1291% | 2,666 |
| Efficiency ratio | 71.8814% | 4,264 |
| Assets per employee ($millions) | 2.9801% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 4,166 |
| Loan loss allowance to noncurrent loans | 334.5029% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 6,212 |
| Noncurrent loans to loans | 0.4062% | 6,522 |
| Net loans and leases to total assets | 63.3306% | 5,011 |
| Net loans and leases to deposits | 75.9010% | 5,067 |
| Net loans and leases to core deposits | 97.7528% | 4,637 |
| Total domestic deposits to total assets | 83.4385% | 4,000 |
| Equity capital to assets | 12.9291% | 1,726 |
| Core capital (leverage) ratio | 12.5720% | 1,549 |
| Tier 1 risk-based capital ratio | 17.5890% | 2,100 |
| Total risk-based capital ratio | 18.8104% | 2,068 |
| Memoranda: | ||
| Average total assets | $130,169,500 | 4,371 |
| Average earning assets | $121,588,250 | 4,308 |
| Average equity | $16,307,250 | 3,852 |
| Average total loans | $83,735,500 | 4,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3579% | 1,084 |
| Cost of funding earning assets | 2.7418% | 926 |
| Net interest margin | 3.6161% | 4,302 |
| Noninterest income to average assets | 0.4128% | 5,179 |
| Noninterest expense to average assets | 2.8787% | 4,584 |
| Loan and lease loss provision to assets | 0.1509% | 5,561 |
| Net operating income to assets | 0.7193% | 3,171 |
| Return on assets (ROA) | 0.7193% | 3,278 |
| Pretax return on assets | 0.7593% | 3,806 |
| Return on Equity (ROE) | 5.8041% | 3,743 |
| Retained earnings to average equity (ytd only) | 5.8041% | 2,112 |
| Net charge-offs to loans | 0.2608% | 3,887 |
| Credit loss provision to net charge-offs | 89.9083% | 4,931 |
| Earnings coverage of net charge-offs (x) | 5.4220% | 2,836 |
| Efficiency ratio | 75.9756% | 3,693 |
| Assets per employee ($millions) | 2.8515% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,304 |
| Loan loss allowance to noncurrent loans | 233.6188% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,673 |
| Noncurrent loans to loans | 0.5541% | 6,160 |
| Net loans and leases to total assets | 66.3006% | 4,508 |
| Net loans and leases to deposits | 87.3020% | 3,302 |
| Net loans and leases to core deposits | 114.4618% | 2,859 |
| Total domestic deposits to total assets | 75.9439% | 6,561 |
| Equity capital to assets | 13.0467% | 1,674 |
| Core capital (leverage) ratio | 12.1126% | 1,787 |
| Tier 1 risk-based capital ratio | 17.3019% | 2,210 |
| Total risk-based capital ratio | 18.4673% | 2,167 |
| Memoranda: | ||
| Average total assets | $129,851,670 | 4,395 |
| Average earning assets | $121,235,670 | 4,333 |
| Average equity | $16,092,000 | 3,901 |
| Average total loans | $83,585,670 | 4,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 1,532 |
| Cost of funding earning assets | 2.5376% | 1,776 |
| Net interest margin | 3.6831% | 3,973 |
| Noninterest income to average assets | 0.3665% | 5,501 |
| Noninterest expense to average assets | 2.7657% | 4,715 |
| Loan and lease loss provision to assets | 0.1424% | 5,122 |
| Net operating income to assets | 0.8118% | 3,080 |
| Return on assets (ROA) | 0.8118% | 3,239 |
| Pretax return on assets | 0.8967% | 3,728 |
| Return on Equity (ROE) | 6.7195% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.7195% | 2,319 |
| Net charge-offs to loans | 0.0913% | 4,259 |
| Credit loss provision to net charge-offs | 247.3684% | 1,896 |
| Earnings coverage of net charge-offs (x) | 18.0526% | 1,477 |
| Efficiency ratio | 72.6911% | 4,065 |
| Assets per employee ($millions) | 2.9637% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 3,786 |
| Loan loss allowance to noncurrent loans | 824.8175% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 5,908 |
| Noncurrent loans to loans | 0.1640% | 7,058 |
| Net loans and leases to total assets | 59.1612% | 5,789 |
| Net loans and leases to deposits | 72.9823% | 5,617 |
| Net loans and leases to core deposits | 91.5248% | 5,399 |
| Total domestic deposits to total assets | 81.0624% | 4,943 |
| Equity capital to assets | 11.4858% | 2,596 |
| Core capital (leverage) ratio | 11.6469% | 2,069 |
| Tier 1 risk-based capital ratio | 16.6465% | 2,463 |
| Total risk-based capital ratio | 17.8224% | 2,418 |
| Memoranda: | ||
| Average total assets | $132,045,000 | 4,372 |
| Average earning assets | $123,265,500 | 4,300 |
| Average equity | $15,953,500 | 3,949 |
| Average total loans | $83,241,000 | 4,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9421% | 1,278 |
| Cost of funding earning assets | 2.9901% | 1,901 |
| Net interest margin | 3.9520% | 3,352 |
| Noninterest income to average assets | 0.4089% | 5,397 |
| Noninterest expense to average assets | 3.0121% | 4,042 |
| Loan and lease loss provision to assets | 0.0416% | 6,893 |
| Net operating income to assets | 0.8371% | 3,276 |
| Return on assets (ROA) | 0.8371% | 3,119 |
| Pretax return on assets | 1.0115% | 3,337 |
| Return on Equity (ROE) | 6.5591% | 3,724 |
| Retained earnings to average equity (ytd only) | 0.2884% | 5,071 |
| Net charge-offs to loans | 0.1456% | 4,759 |
| Credit loss provision to net charge-offs | 43.6975% | 6,422 |
| Earnings coverage of net charge-offs (x) | 11.0588% | 2,418 |
| Efficiency ratio | 74.0945% | 3,555 |
| Assets per employee ($millions) | 2.6552% | 6,876 |
| Cash dividends to net income (ytd only)* | 95.6023% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 3,603 |
| Loan loss allowance to noncurrent loans | 319.4203% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 4,961 |
| Noncurrent loans to loans | 0.4159% | 6,098 |
| Net loans and leases to total assets | 65.5806% | 4,936 |
| Net loans and leases to deposits | 84.2109% | 4,394 |
| Net loans and leases to core deposits | 109.8801% | 3,791 |
| Total domestic deposits to total assets | 77.8767% | 5,756 |
| Equity capital to assets | 12.7472% | 1,894 |
| Core capital (leverage) ratio | 12.5770% | 1,716 |
| Tier 1 risk-based capital ratio | 17.0901% | 2,282 |
| Total risk-based capital ratio | 18.2874% | 2,255 |
| Memoranda: | ||
| Average total assets | $124,960,800 | 4,394 |
| Average earning assets | $115,613,800 | 4,372 |
| Average equity | $15,947,400 | 3,938 |
| Average total loans | $81,704,600 | 4,464 |