Home > United Pacific Bank > Performance and Condition Ratios
United Pacific Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9339% | 365 |
| Cost of funding earning assets | 2.9612% | 354 |
| Net interest margin | 3.9728% | 1,348 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 3.7421% | 457 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 0.1800% | 3,996 |
| Return on assets (ROA) | 0.1800% | 4,028 |
| Pretax return on assets | 0.2588% | 3,983 |
| Return on Equity (ROE) | 0.9300% | 4,101 |
| Retained earnings to average equity (ytd only) | 0.9331% | 3,515 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 93.8195% | 390 |
| Assets per employee ($millions) | 5.6600% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 304 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 76.5300% | 1,017 |
| Net loans and leases to deposits | 95.2631% | 676 |
| Net loans and leases to core deposits | 139.9176% | 220 |
| Total domestic deposits to total assets | 80.3300% | 3,566 |
| Equity capital to assets | 19.1080% | 307 |
| Core capital (leverage) ratio | 19.4261% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $162,263,500 | 3,278 |
| Average earning assets | $157,371,000 | 3,228 |
| Average equity | $31,293,500 | 2,370 |
| Average total loans | $125,948,000 | 2,973 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6370% | 214 |
| Cost of funding earning assets | 3.1392% | 382 |
| Net interest margin | 4.4979% | 649 |
| Noninterest income to average assets | 1.3000% | 412 |
| Noninterest expense to average assets | 3.7717% | 446 |
| Loan and lease loss provision to assets | -0.0500% | 4,268 |
| Net operating income to assets | 1.3386% | 1,199 |
| Return on assets (ROA) | 1.3386% | 1,197 |
| Pretax return on assets | 1.9019% | 709 |
| Return on Equity (ROE) | 6.7900% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.7905% | 1,506 |
| Net charge-offs to loans | -0.0043% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.0396% | 2,367 |
| Assets per employee ($millions) | 5.3462% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 261 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 75.2400% | 1,246 |
| Net loans and leases to deposits | 95.8946% | 720 |
| Net loans and leases to core deposits | 139.4672% | 253 |
| Total domestic deposits to total assets | 78.4600% | 3,723 |
| Equity capital to assets | 19.4674% | 287 |
| Core capital (leverage) ratio | 20.1574% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $155,686,400 | 3,314 |
| Average earning assets | $149,849,200 | 3,255 |
| Average equity | $30,689,800 | 2,354 |
| Average total loans | $116,201,400 | 3,037 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7896% | 194 |
| Cost of funding earning assets | 3.1651% | 382 |
| Net interest margin | 4.6245% | 542 |
| Noninterest income to average assets | 1.7900% | 280 |
| Noninterest expense to average assets | 3.7442% | 449 |
| Loan and lease loss provision to assets | -0.0600% | 4,325 |
| Net operating income to assets | 1.7923% | 605 |
| Return on assets (ROA) | 1.7923% | 607 |
| Pretax return on assets | 2.5456% | 308 |
| Return on Equity (ROE) | 9.0600% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.0628% | 1,101 |
| Net charge-offs to loans | -0.0058% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.1136% | 3,146 |
| Assets per employee ($millions) | 5.7545% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4122% | 242 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 73.1400% | 1,480 |
| Net loans and leases to deposits | 94.4710% | 829 |
| Net loans and leases to core deposits | 129.7135% | 394 |
| Total domestic deposits to total assets | 77.4200% | 3,783 |
| Equity capital to assets | 20.1955% | 271 |
| Core capital (leverage) ratio | 20.1420% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $154,511,500 | 3,323 |
| Average earning assets | $148,365,000 | 3,265 |
| Average equity | $30,556,500 | 2,355 |
| Average total loans | $114,382,750 | 3,055 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6143% | 210 |
| Cost of funding earning assets | 3.1153% | 382 |
| Net interest margin | 4.4990% | 624 |
| Noninterest income to average assets | 2.6400% | 205 |
| Noninterest expense to average assets | 3.7763% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.2370% | 322 |
| Return on assets (ROA) | 2.2370% | 318 |
| Pretax return on assets | 3.1772% | 182 |
| Return on Equity (ROE) | 11.3900% | 1,776 |
| Retained earnings to average equity (ytd only) | 11.3927% | 623 |
| Net charge-offs to loans | -0.0088% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.3284% | 3,729 |
| Assets per employee ($millions) | 5.0208% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4602% | 234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.5500% | 1,721 |
| Net loans and leases to deposits | 92.0413% | 1,116 |
| Net loans and leases to core deposits | 128.9781% | 424 |
| Total domestic deposits to total assets | 77.7400% | 3,738 |
| Equity capital to assets | 19.8649% | 281 |
| Core capital (leverage) ratio | 20.0946% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $154,225,000 | 3,331 |
| Average earning assets | $147,723,000 | 3,279 |
| Average equity | $30,282,667 | 2,337 |
| Average total loans | $113,693,333 | 3,066 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7844% | 188 |
| Cost of funding earning assets | 3.0498% | 394 |
| Net interest margin | 4.7347% | 446 |
| Noninterest income to average assets | 4.9600% | 134 |
| Noninterest expense to average assets | 3.8042% | 424 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 4.0335% | 100 |
| Return on assets (ROA) | 4.0335% | 100 |
| Pretax return on assets | 5.7298% | 80 |
| Return on Equity (ROE) | 20.6600% | 402 |
| Retained earnings to average equity (ytd only) | 20.6645% | 171 |
| Net charge-offs to loans | -0.0176% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 40.1872% | 4,349 |
| Assets per employee ($millions) | 4.8746% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4923% | 201 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 70.4500% | 1,753 |
| Net loans and leases to deposits | 90.6988% | 1,151 |
| Net loans and leases to core deposits | 126.7467% | 468 |
| Total domestic deposits to total assets | 77.6800% | 3,838 |
| Equity capital to assets | 19.7029% | 299 |
| Core capital (leverage) ratio | 20.0141% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $153,514,500 | 3,349 |
| Average earning assets | $146,241,000 | 3,304 |
| Average equity | $29,964,500 | 2,356 |
| Average total loans | $113,450,500 | 3,072 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3456% | 176 |
| Cost of funding earning assets | 2.2938% | 551 |
| Net interest margin | 5.0518% | 296 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.6578% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8958% | 2,560 |
| Return on assets (ROA) | 0.8958% | 2,535 |
| Pretax return on assets | 1.2742% | 1,947 |
| Return on Equity (ROE) | 4.7700% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.7668% | 2,686 |
| Net charge-offs to loans | -0.0264% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1647% | 1,438 |
| Assets per employee ($millions) | 5.2083% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0468% | 70 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.7500% | 1,390 |
| Net loans and leases to deposits | 94.3184% | 916 |
| Net loans and leases to core deposits | 132.4648% | 369 |
| Total domestic deposits to total assets | 78.1900% | 3,703 |
| Equity capital to assets | 19.3291% | 303 |
| Core capital (leverage) ratio | 19.0573% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $151,702,600 | 3,342 |
| Average earning assets | $141,553,600 | 3,332 |
| Average equity | $28,509,800 | 2,344 |
| Average total loans | $113,486,600 | 3,012 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2040% | 173 |
| Cost of funding earning assets | 2.0884% | 608 |
| Net interest margin | 5.1156% | 273 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 3.6461% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9069% | 2,656 |
| Return on assets (ROA) | 0.9069% | 2,639 |
| Pretax return on assets | 1.2914% | 2,063 |
| Return on Equity (ROE) | 4.8600% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.8602% | 2,983 |
| Net charge-offs to loans | -0.0259% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.8442% | 1,377 |
| Assets per employee ($millions) | 5.1420% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 204 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.9833% | 71 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.6300% | 1,621 |
| Net loans and leases to deposits | 91.2665% | 1,119 |
| Net loans and leases to core deposits | 127.7915% | 371 |
| Total domestic deposits to total assets | 78.4900% | 3,764 |
| Equity capital to assets | 18.6892% | 321 |
| Core capital (leverage) ratio | 18.7979% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9608% | 387 |
| Memoranda: | ||
| Average total assets | $151,867,750 | 3,352 |
| Average earning assets | $141,602,250 | 3,334 |
| Average equity | $28,338,500 | 2,333 |
| Average total loans | $113,309,500 | 3,020 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9644% | 181 |
| Cost of funding earning assets | 1.8888% | 626 |
| Net interest margin | 5.0756% | 283 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.6288% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9585% | 2,550 |
| Return on assets (ROA) | 0.9585% | 2,545 |
| Pretax return on assets | 1.3649% | 1,903 |
| Return on Equity (ROE) | 5.1400% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.1394% | 2,911 |
| Net charge-offs to loans | -0.0265% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.6670% | 1,492 |
| Assets per employee ($millions) | 5.8898% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 3.0052% | 66 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.2800% | 1,373 |
| Net loans and leases to deposits | 93.6020% | 902 |
| Net loans and leases to core deposits | 127.5705% | 363 |
| Total domestic deposits to total assets | 78.2800% | 3,812 |
| Equity capital to assets | 18.6240% | 322 |
| Core capital (leverage) ratio | 18.7972% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0598% | 425 |
| Memoranda: | ||
| Average total assets | $151,070,333 | 3,367 |
| Average earning assets | $140,830,000 | 3,356 |
| Average equity | $28,174,667 | 2,346 |
| Average total loans | $113,313,667 | 3,025 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6157% | 159 |
| Cost of funding earning assets | 1.7226% | 540 |
| Net interest margin | 4.8931% | 333 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.4685% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0984% | 2,235 |
| Return on assets (ROA) | 1.0984% | 2,201 |
| Pretax return on assets | 1.5623% | 1,550 |
| Return on Equity (ROE) | 5.8900% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.8853% | 2,792 |
| Net charge-offs to loans | -0.0249% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.9454% | 1,864 |
| Assets per employee ($millions) | 5.0467% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4369% | 236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 3.0396% | 51 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 73.5400% | 1,258 |
| Net loans and leases to deposits | 93.5370% | 814 |
| Net loans and leases to core deposits | 125.7400% | 331 |
| Total domestic deposits to total assets | 78.6200% | 3,931 |
| Equity capital to assets | 18.6354% | 280 |
| Core capital (leverage) ratio | 18.7812% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3409% | 484 |
| Memoranda: | ||
| Average total assets | $150,037,500 | 3,425 |
| Average earning assets | $139,788,500 | 3,409 |
| Average equity | $28,002,000 | 2,383 |
| Average total loans | $112,470,500 | 3,070 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 1,033 |
| Cost of funding earning assets | 0.5867% | 957 |
| Net interest margin | 3.7225% | 1,332 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.1082% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6496% | 3,758 |
| Return on assets (ROA) | 0.6496% | 3,708 |
| Pretax return on assets | 0.9238% | 3,288 |
| Return on Equity (ROE) | 3.8400% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.8369% | 3,452 |
| Net charge-offs to loans | -0.0218% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0891% | 913 |
| Assets per employee ($millions) | 5.5065% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5031% | 211 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0953% | 42 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 72.6700% | 1,349 |
| Net loans and leases to deposits | 92.6361% | 881 |
| Net loans and leases to core deposits | 122.7124% | 323 |
| Total domestic deposits to total assets | 78.4500% | 4,049 |
| Equity capital to assets | 18.6918% | 266 |
| Core capital (leverage) ratio | 18.5985% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9369% | 375 |
| Memoranda: | ||
| Average total assets | $160,863,000 | 3,338 |
| Average earning assets | $154,412,400 | 3,282 |
| Average equity | $27,235,400 | 2,466 |
| Average total loans | $114,750,800 | 2,979 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 1,584 |
| Cost of funding earning assets | 0.4326% | 1,088 |
| Net interest margin | 3.4276% | 1,875 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.9951% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6166% | 3,798 |
| Return on assets (ROA) | 0.6166% | 3,752 |
| Pretax return on assets | 0.8769% | 3,390 |
| Return on Equity (ROE) | 3.7300% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.7298% | 3,539 |
| Net charge-offs to loans | -0.0207% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.3529% | 965 |
| Assets per employee ($millions) | 5.6292% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4550% | 244 |
| Loan loss allowance to noncurrent loans | 276,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 3.0285% | 49 |
| Noncurrent loans to loans | 0.0009% | 3,979 |
| Net loans and leases to total assets | 72.3400% | 1,250 |
| Net loans and leases to deposits | 90.3393% | 869 |
| Net loans and leases to core deposits | 114.9516% | 346 |
| Total domestic deposits to total assets | 80.0700% | 4,090 |
| Equity capital to assets | 18.0962% | 269 |
| Core capital (leverage) ratio | 17.7780% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4732% | 409 |
| Memoranda: | ||
| Average total assets | $163,910,000 | 3,342 |
| Average earning assets | $158,435,500 | 3,283 |
| Average equity | $27,096,750 | 2,510 |
| Average total loans | $115,733,250 | 2,971 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 2,278 |
| Cost of funding earning assets | 0.3890% | 991 |
| Net interest margin | 3.0667% | 2,661 |
| Noninterest income to average assets | 0.6564% | 1,513 |
| Noninterest expense to average assets | 2.8972% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5242% | 3,832 |
| Return on assets (ROA) | 0.5242% | 3,785 |
| Pretax return on assets | 0.7458% | 3,460 |
| Return on Equity (ROE) | 3.2640% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.2640% | 3,365 |
| Net charge-offs to loans | -0.0206% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5291% | 982 |
| Assets per employee ($millions) | 5.3784% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3306% | 314 |
| Loan loss allowance to noncurrent loans | 58.0652% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.9470% | 63 |
| Noncurrent loans to loans | 4.0138% | 92 |
| Net loans and leases to total assets | 71.7095% | 1,135 |
| Net loans and leases to deposits | 88.0092% | 827 |
| Net loans and leases to core deposits | 104.0288% | 513 |
| Total domestic deposits to total assets | 81.4795% | 4,071 |
| Equity capital to assets | 16.8570% | 290 |
| Core capital (leverage) ratio | 16.5463% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6397% | 440 |
| Memoranda: | ||
| Average total assets | $167,884,000 | 3,349 |
| Average earning assets | $163,500,667 | 3,286 |
| Average equity | $26,961,000 | 2,584 |
| Average total loans | $116,741,333 | 2,978 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 2,799 |
| Cost of funding earning assets | 0.4285% | 732 |
| Net interest margin | 2.7314% | 3,336 |
| Noninterest income to average assets | 0.4651% | 2,331 |
| Noninterest expense to average assets | 2.7555% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2641% | 4,214 |
| Return on assets (ROA) | 0.2641% | 4,182 |
| Pretax return on assets | 0.3763% | 4,077 |
| Return on Equity (ROE) | 1.6839% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.6839% | 3,635 |
| Net charge-offs to loans | -0.0207% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9851% | 639 |
| Assets per employee ($millions) | 5.7833% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4323% | 303 |
| Loan loss allowance to noncurrent loans | 57.9147% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 70 |
| Noncurrent loans to loans | 4.1998% | 89 |
| Net loans and leases to total assets | 65.8914% | 1,422 |
| Net loans and leases to deposits | 79.8109% | 1,158 |
| Net loans and leases to core deposits | 95.0011% | 691 |
| Total domestic deposits to total assets | 82.5593% | 4,008 |
| Equity capital to assets | 16.0294% | 316 |
| Core capital (leverage) ratio | 15.5211% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6601% | 392 |
| Memoranda: | ||
| Average total assets | $171,150,500 | 3,334 |
| Average earning assets | $167,096,500 | 3,258 |
| Average equity | $26,842,000 | 2,660 |
| Average total loans | $115,879,500 | 2,984 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 1,921 |
| Cost of funding earning assets | 0.6273% | 478 |
| Net interest margin | 3.1528% | 2,732 |
| Noninterest income to average assets | 0.4231% | 2,932 |
| Noninterest expense to average assets | 2.5275% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7069% | 3,608 |
| Return on assets (ROA) | 0.7069% | 3,662 |
| Pretax return on assets | 0.9766% | 3,327 |
| Return on Equity (ROE) | 4.7957% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.7957% | 2,868 |
| Net charge-offs to loans | -0.0201% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1296% | 1,499 |
| Assets per employee ($millions) | 6.2351% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 374 |
| Loan loss allowance to noncurrent loans | 57.7642% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.7259% | 89 |
| Noncurrent loans to loans | 4.0163% | 102 |
| Net loans and leases to total assets | 66.2970% | 1,438 |
| Net loans and leases to deposits | 83.7341% | 922 |
| Net loans and leases to core deposits | 100.0363% | 535 |
| Total domestic deposits to total assets | 79.1756% | 4,299 |
| Equity capital to assets | 15.3508% | 451 |
| Core capital (leverage) ratio | 15.4606% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2250% | 427 |
| Memoranda: | ||
| Average total assets | $177,961,800 | 3,225 |
| Average earning assets | $173,909,400 | 3,141 |
| Average equity | $26,232,000 | 2,767 |
| Average total loans | $124,599,800 | 2,906 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 1,738 |
| Cost of funding earning assets | 0.6704% | 450 |
| Net interest margin | 3.2367% | 2,619 |
| Noninterest income to average assets | 0.5153% | 2,559 |
| Noninterest expense to average assets | 2.4458% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8948% | 3,264 |
| Return on assets (ROA) | 0.8948% | 3,339 |
| Pretax return on assets | 1.2341% | 2,824 |
| Return on Equity (ROE) | 6.1325% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.1325% | 2,767 |
| Net charge-offs to loans | -0.0201% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4640% | 2,038 |
| Assets per employee ($millions) | 6.2842% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3356% | 369 |
| Loan loss allowance to noncurrent loans | 34,287.5000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,227 |
| Noncurrent loans to loans | 0.0068% | 4,155 |
| Net loans and leases to total assets | 65.1864% | 1,637 |
| Net loans and leases to deposits | 82.8249% | 1,040 |
| Net loans and leases to core deposits | 99.1031% | 623 |
| Total domestic deposits to total assets | 78.7039% | 4,355 |
| Equity capital to assets | 15.2026% | 510 |
| Core capital (leverage) ratio | 15.0476% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2462% | 413 |
| Memoranda: | ||
| Average total assets | $178,806,250 | 3,252 |
| Average earning assets | $174,824,250 | 3,170 |
| Average equity | $26,090,000 | 2,811 |
| Average total loans | $126,126,500 | 2,933 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 1,927 |
| Cost of funding earning assets | 0.7217% | 415 |
| Net interest margin | 3.1359% | 2,938 |
| Noninterest income to average assets | 0.2348% | 3,997 |
| Noninterest expense to average assets | 2.3098% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7065% | 3,748 |
| Return on assets (ROA) | 0.7065% | 3,813 |
| Pretax return on assets | 0.9902% | 3,463 |
| Return on Equity (ROE) | 4.9092% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.9092% | 3,217 |
| Net charge-offs to loans | -0.0186% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9933% | 1,639 |
| Assets per employee ($millions) | 6.3240% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 495 |
| Loan loss allowance to noncurrent loans | 27,360.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,277 |
| Noncurrent loans to loans | 0.0077% | 4,205 |
| Net loans and leases to total assets | 71.6780% | 1,005 |
| Net loans and leases to deposits | 90.3622% | 629 |
| Net loans and leases to core deposits | 109.1409% | 387 |
| Total domestic deposits to total assets | 79.3230% | 4,311 |
| Equity capital to assets | 14.7884% | 566 |
| Core capital (leverage) ratio | 14.3759% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4399% | 514 |
| Memoranda: | ||
| Average total assets | $179,756,000 | 3,252 |
| Average earning assets | $175,704,333 | 3,169 |
| Average equity | $25,870,000 | 2,820 |
| Average total loans | $129,021,000 | 2,914 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 1,868 |
| Cost of funding earning assets | 0.7502% | 450 |
| Net interest margin | 3.1343% | 2,893 |
| Noninterest income to average assets | 0.0861% | 4,741 |
| Noninterest expense to average assets | 2.1491% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7046% | 3,692 |
| Return on assets (ROA) | 0.7046% | 3,754 |
| Pretax return on assets | 1.0006% | 3,367 |
| Return on Equity (ROE) | 4.9627% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.9627% | 3,231 |
| Net charge-offs to loans | -0.0186% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2328% | 1,904 |
| Assets per employee ($millions) | 7.0495% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 452 |
| Loan loss allowance to noncurrent loans | 22,750.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,343 |
| Noncurrent loans to loans | 0.0095% | 4,267 |
| Net loans and leases to total assets | 67.4587% | 1,602 |
| Net loans and leases to deposits | 88.3751% | 799 |
| Net loans and leases to core deposits | 106.0012% | 513 |
| Total domestic deposits to total assets | 76.3322% | 4,564 |
| Equity capital to assets | 14.1150% | 648 |
| Core capital (leverage) ratio | 14.4354% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6344% | 471 |
| Memoranda: | ||
| Average total assets | $181,098,500 | 3,245 |
| Average earning assets | $177,010,000 | 3,151 |
| Average equity | $25,712,000 | 2,823 |
| Average total loans | $128,703,000 | 2,915 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,030 |
| Cost of funding earning assets | 1.3111% | 170 |
| Net interest margin | 2.9287% | 4,058 |
| Noninterest income to average assets | 0.4001% | 3,086 |
| Noninterest expense to average assets | 2.6144% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4533% | 4,131 |
| Return on assets (ROA) | 0.4533% | 4,212 |
| Pretax return on assets | 0.6436% | 3,988 |
| Return on Equity (ROE) | 2.9823% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,366 |
| Net charge-offs to loans | -0.0008% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2449% | 870 |
| Assets per employee ($millions) | 6.6263% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 505 |
| Loan loss allowance to noncurrent loans | 19,457.1429% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,403 |
| Noncurrent loans to loans | 0.0107% | 4,335 |
| Net loans and leases to total assets | 71.7171% | 1,324 |
| Net loans and leases to deposits | 94.5325% | 626 |
| Net loans and leases to core deposits | 113.8521% | 411 |
| Total domestic deposits to total assets | 75.8650% | 4,517 |
| Equity capital to assets | 14.2826% | 736 |
| Core capital (leverage) ratio | 14.4229% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6240% | 531 |
| Memoranda: | ||
| Average total assets | $165,468,000 | 3,233 |
| Average earning assets | $161,473,000 | 3,155 |
| Average equity | $25,148,400 | 2,794 |
| Average total loans | $125,725,800 | 2,914 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 1,983 |
| Cost of funding earning assets | 1.4441% | 146 |
| Net interest margin | 2.9000% | 4,184 |
| Noninterest income to average assets | 0.2722% | 3,836 |
| Noninterest expense to average assets | 2.4855% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4343% | 4,195 |
| Return on assets (ROA) | 0.4343% | 4,262 |
| Pretax return on assets | 0.6160% | 4,077 |
| Return on Equity (ROE) | 2.8106% | 4,430 |
| Retained earnings to average equity (ytd only) | 2.8106% | 3,602 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1379% | 861 |
| Assets per employee ($millions) | 6.1905% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 517 |
| Loan loss allowance to noncurrent loans | 12,966.6667% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,437 |
| Noncurrent loans to loans | 0.0152% | 4,377 |
| Net loans and leases to total assets | 77.9887% | 832 |
| Net loans and leases to deposits | 103.6672% | 396 |
| Net loans and leases to core deposits | 126.1017% | 301 |
| Total domestic deposits to total assets | 75.2299% | 4,485 |
| Equity capital to assets | 14.6146% | 708 |
| Core capital (leverage) ratio | 14.6012% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0972% | 665 |
| Memoranda: | ||
| Average total assets | $162,107,500 | 3,253 |
| Average earning assets | $158,156,500 | 3,168 |
| Average equity | $25,047,250 | 2,787 |
| Average total loans | $124,399,000 | 2,938 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 2,100 |
| Cost of funding earning assets | 1.5594% | 138 |
| Net interest margin | 2.8804% | 4,340 |
| Noninterest income to average assets | 0.1377% | 4,615 |
| Noninterest expense to average assets | 2.5018% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3132% | 4,394 |
| Return on assets (ROA) | 0.3132% | 4,442 |
| Pretax return on assets | 0.4445% | 4,341 |
| Return on Equity (ROE) | 1.9878% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.9878% | 3,761 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9121% | 588 |
| Assets per employee ($millions) | 5.8213% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 362 |
| Loan loss allowance to noncurrent loans | 9,389.6552% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,470 |
| Noncurrent loans to loans | 0.0227% | 4,393 |
| Net loans and leases to total assets | 73.9495% | 1,418 |
| Net loans and leases to deposits | 98.8808% | 611 |
| Net loans and leases to core deposits | 117.5761% | 484 |
| Total domestic deposits to total assets | 74.7865% | 4,535 |
| Equity capital to assets | 14.8414% | 651 |
| Core capital (leverage) ratio | 15.2967% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2098% | 560 |
| Memoranda: | ||
| Average total assets | $158,365,333 | 3,265 |
| Average earning assets | $154,421,333 | 3,183 |
| Average equity | $24,952,333 | 2,781 |
| Average total loans | $119,897,333 | 2,984 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 1,119 |
| Cost of funding earning assets | 1.6602% | 150 |
| Net interest margin | 3.2694% | 3,668 |
| Noninterest income to average assets | 0.0862% | 4,876 |
| Noninterest expense to average assets | 2.5807% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4858% | 3,928 |
| Return on assets (ROA) | 0.4858% | 3,985 |
| Pretax return on assets | 0.6896% | 3,714 |
| Return on Equity (ROE) | 2.9878% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.9878% | 3,088 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9137% | 1,244 |
| Assets per employee ($millions) | 5.2305% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3761% | 295 |
| Loan loss allowance to noncurrent loans | 7,359.4595% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,512 |
| Noncurrent loans to loans | 0.0323% | 4,433 |
| Net loans and leases to total assets | 71.2970% | 2,039 |
| Net loans and leases to deposits | 94.4228% | 1,041 |
| Net loans and leases to core deposits | 110.5965% | 824 |
| Total domestic deposits to total assets | 75.5082% | 4,535 |
| Equity capital to assets | 15.9297% | 597 |
| Core capital (leverage) ratio | 16.1587% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1172% | 630 |
| Memoranda: | ||
| Average total assets | $153,139,000 | 3,291 |
| Average earning assets | $149,142,500 | 3,205 |
| Average equity | $24,901,000 | 2,782 |
| Average total loans | $116,064,500 | 3,000 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 1,107 |
| Cost of funding earning assets | 1.6357% | 263 |
| Net interest margin | 3.5151% | 3,404 |
| Noninterest income to average assets | 0.2497% | 4,184 |
| Noninterest expense to average assets | 2.8409% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6725% | 3,946 |
| Return on assets (ROA) | 0.6725% | 4,017 |
| Pretax return on assets | 0.8163% | 3,939 |
| Return on Equity (ROE) | 3.9435% | 4,472 |
| Retained earnings to average equity (ytd only) | 3.9435% | 2,990 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6798% | 1,185 |
| Assets per employee ($millions) | 5.1505% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3168% | 279 |
| Loan loss allowance to noncurrent loans | 5,919.5652% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,490 |
| Noncurrent loans to loans | 0.0391% | 4,408 |
| Net loans and leases to total assets | 76.8646% | 1,282 |
| Net loans and leases to deposits | 102.5007% | 443 |
| Net loans and leases to core deposits | 119.6353% | 487 |
| Total domestic deposits to total assets | 74.9893% | 4,705 |
| Equity capital to assets | 16.6078% | 515 |
| Core capital (leverage) ratio | 16.7454% | 438 |
| Tier 1 risk-based capital ratio | 20.6454% | 1,232 |
| Total risk-based capital ratio | 21.9088% | 1,192 |
| Memoranda: | ||
| Average total assets | $142,597,000 | 3,400 |
| Average earning assets | $138,231,600 | 3,308 |
| Average equity | $24,318,600 | 2,767 |
| Average total loans | $108,299,200 | 3,111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 1,244 |
| Cost of funding earning assets | 1.6127% | 279 |
| Net interest margin | 3.5077% | 3,540 |
| Noninterest income to average assets | 0.1486% | 4,805 |
| Noninterest expense to average assets | 2.7308% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6557% | 4,148 |
| Return on assets (ROA) | 0.6557% | 4,197 |
| Pretax return on assets | 0.8157% | 4,086 |
| Return on Equity (ROE) | 3.8186% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.8186% | 3,486 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0011% | 1,219 |
| Assets per employee ($millions) | 4.9524% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2864% | 293 |
| Loan loss allowance to noncurrent loans | 4,950.9091% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,530 |
| Noncurrent loans to loans | 0.0462% | 4,440 |
| Net loans and leases to total assets | 81.0276% | 705 |
| Net loans and leases to deposits | 111.2885% | 200 |
| Net loans and leases to core deposits | 132.0912% | 270 |
| Total domestic deposits to total assets | 72.8086% | 4,879 |
| Equity capital to assets | 17.0931% | 475 |
| Core capital (leverage) ratio | 17.0169% | 442 |
| Tier 1 risk-based capital ratio | 20.5803% | 1,263 |
| Total risk-based capital ratio | 21.8441% | 1,233 |
| Memoranda: | ||
| Average total assets | $140,905,250 | 3,456 |
| Average earning assets | $136,496,500 | 3,367 |
| Average equity | $24,196,750 | 2,790 |
| Average total loans | $105,991,250 | 3,182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 1,427 |
| Cost of funding earning assets | 1.5590% | 313 |
| Net interest margin | 3.4605% | 3,715 |
| Noninterest income to average assets | 0.1814% | 4,660 |
| Noninterest expense to average assets | 2.7343% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6429% | 4,188 |
| Return on assets (ROA) | 0.6429% | 4,236 |
| Pretax return on assets | 0.7957% | 4,106 |
| Return on Equity (ROE) | 3.7376% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.7376% | 3,389 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4585% | 1,221 |
| Assets per employee ($millions) | 4.7281% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5448% | 211 |
| Loan loss allowance to noncurrent loans | 4,322.2222% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 4,548 |
| Noncurrent loans to loans | 0.0589% | 4,419 |
| Net loans and leases to total assets | 73.5186% | 1,959 |
| Net loans and leases to deposits | 101.1092% | 602 |
| Net loans and leases to core deposits | 116.1388% | 682 |
| Total domestic deposits to total assets | 72.7121% | 4,926 |
| Equity capital to assets | 17.1351% | 453 |
| Core capital (leverage) ratio | 17.0781% | 421 |
| Tier 1 risk-based capital ratio | 21.7486% | 1,087 |
| Total risk-based capital ratio | 23.0142% | 1,059 |
| Memoranda: | ||
| Average total assets | $140,000,670 | 3,492 |
| Average earning assets | $135,472,670 | 3,402 |
| Average equity | $24,079,330 | 2,791 |
| Average total loans | $101,623,670 | 3,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,482 |
| Cost of funding earning assets | 1.4798% | 348 |
| Net interest margin | 3.4676% | 3,690 |
| Noninterest income to average assets | 0.2042% | 4,526 |
| Noninterest expense to average assets | 2.7696% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6471% | 4,106 |
| Return on assets (ROA) | 0.6471% | 4,139 |
| Pretax return on assets | 0.7909% | 4,064 |
| Return on Equity (ROE) | 3.7552% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.7552% | 3,423 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7868% | 1,292 |
| Assets per employee ($millions) | 4.4661% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 199 |
| Loan loss allowance to noncurrent loans | 3,781.9444% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,569 |
| Noncurrent loans to loans | 0.0709% | 4,443 |
| Net loans and leases to total assets | 71.4169% | 2,272 |
| Net loans and leases to deposits | 98.8592% | 713 |
| Net loans and leases to core deposits | 111.9038% | 835 |
| Total domestic deposits to total assets | 72.2410% | 5,034 |
| Equity capital to assets | 17.3927% | 406 |
| Core capital (leverage) ratio | 17.2235% | 402 |
| Tier 1 risk-based capital ratio | 22.4417% | 993 |
| Total risk-based capital ratio | 23.7089% | 970 |
| Memoranda: | ||
| Average total assets | $139,079,500 | 3,544 |
| Average earning assets | $134,616,500 | 3,447 |
| Average equity | $23,966,500 | 2,809 |
| Average total loans | $98,933,500 | 3,337 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 1,965 |
| Cost of funding earning assets | 1.0788% | 532 |
| Net interest margin | 3.5786% | 3,457 |
| Noninterest income to average assets | 0.3273% | 3,915 |
| Noninterest expense to average assets | 2.9004% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7840% | 3,864 |
| Return on assets (ROA) | 0.7840% | 3,866 |
| Pretax return on assets | 0.8793% | 3,951 |
| Return on Equity (ROE) | 4.6100% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.6100% | 2,992 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7366% | 1,263 |
| Assets per employee ($millions) | 4.5068% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8276% | 157 |
| Loan loss allowance to noncurrent loans | 3,402.5000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,559 |
| Noncurrent loans to loans | 0.0831% | 4,379 |
| Net loans and leases to total assets | 66.9566% | 3,009 |
| Net loans and leases to deposits | 93.2689% | 1,364 |
| Net loans and leases to core deposits | 104.2052% | 1,395 |
| Total domestic deposits to total assets | 71.7887% | 5,084 |
| Equity capital to assets | 17.0732% | 412 |
| Core capital (leverage) ratio | 17.2951% | 380 |
| Tier 1 risk-based capital ratio | 23.2518% | 889 |
| Total risk-based capital ratio | 24.5197% | 862 |
| Memoranda: | ||
| Average total assets | $137,498,200 | 3,540 |
| Average earning assets | $132,647,800 | 3,457 |
| Average equity | $23,384,000 | 2,784 |
| Average total loans | $99,941,400 | 3,291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,165 |
| Cost of funding earning assets | 1.0017% | 591 |
| Net interest margin | 3.5361% | 3,575 |
| Noninterest income to average assets | 0.3408% | 3,867 |
| Noninterest expense to average assets | 2.7397% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9006% | 3,529 |
| Return on assets (ROA) | 0.9006% | 3,532 |
| Pretax return on assets | 1.0106% | 3,689 |
| Return on Equity (ROE) | 5.3007% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.3007% | 3,057 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0530% | 1,725 |
| Assets per employee ($millions) | 4.6988% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7235% | 186 |
| Loan loss allowance to noncurrent loans | 3,058.4270% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,656 |
| Noncurrent loans to loans | 0.0890% | 4,487 |
| Net loans and leases to total assets | 71.3485% | 2,434 |
| Net loans and leases to deposits | 100.0751% | 778 |
| Net loans and leases to core deposits | 109.5039% | 1,066 |
| Total domestic deposits to total assets | 71.2949% | 5,169 |
| Equity capital to assets | 17.3926% | 393 |
| Core capital (leverage) ratio | 16.9402% | 426 |
| Tier 1 risk-based capital ratio | 23.0777% | 930 |
| Total risk-based capital ratio | 24.3462% | 904 |
| Memoranda: | ||
| Average total assets | $136,945,250 | 3,584 |
| Average earning assets | $132,043,000 | 3,503 |
| Average equity | $23,266,750 | 2,803 |
| Average total loans | $100,860,000 | 3,312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 2,454 |
| Cost of funding earning assets | 0.8931% | 757 |
| Net interest margin | 3.4968% | 3,636 |
| Noninterest income to average assets | 0.3193% | 4,043 |
| Noninterest expense to average assets | 2.6755% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9025% | 3,443 |
| Return on assets (ROA) | 0.9025% | 3,449 |
| Pretax return on assets | 1.0119% | 3,628 |
| Return on Equity (ROE) | 5.3541% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.3541% | 2,903 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5583% | 1,908 |
| Assets per employee ($millions) | 4.7929% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7577% | 188 |
| Loan loss allowance to noncurrent loans | 2,777.5510% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,662 |
| Noncurrent loans to loans | 0.0993% | 4,462 |
| Net loans and leases to total assets | 69.0550% | 2,712 |
| Net loans and leases to deposits | 95.7140% | 1,176 |
| Net loans and leases to core deposits | 103.6343% | 1,425 |
| Total domestic deposits to total assets | 72.1472% | 5,175 |
| Equity capital to assets | 16.8423% | 412 |
| Core capital (leverage) ratio | 16.9978% | 395 |
| Tier 1 risk-based capital ratio | 23.0537% | 930 |
| Total risk-based capital ratio | 24.3228% | 913 |
| Memoranda: | ||
| Average total assets | $137,172,000 | 3,610 |
| Average earning assets | $132,120,000 | 3,527 |
| Average equity | $23,122,330 | 2,835 |
| Average total loans | $101,165,000 | 3,317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 1,635 |
| Cost of funding earning assets | 0.8492% | 770 |
| Net interest margin | 3.7298% | 2,693 |
| Noninterest income to average assets | 0.2613% | 4,432 |
| Noninterest expense to average assets | 2.6479% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0685% | 2,569 |
| Return on assets (ROA) | 1.0685% | 2,580 |
| Pretax return on assets | 1.1977% | 2,756 |
| Return on Equity (ROE) | 6.3364% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.3364% | 2,570 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8550% | 2,691 |
| Assets per employee ($millions) | 4.6279% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 217 |
| Loan loss allowance to noncurrent loans | 2,592.3810% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,696 |
| Noncurrent loans to loans | 0.1021% | 4,512 |
| Net loans and leases to total assets | 74.6256% | 1,768 |
| Net loans and leases to deposits | 101.4084% | 620 |
| Net loans and leases to core deposits | 109.3574% | 1,040 |
| Total domestic deposits to total assets | 73.5892% | 5,188 |
| Equity capital to assets | 17.2558% | 382 |
| Core capital (leverage) ratio | 16.9523% | 388 |
| Tier 1 risk-based capital ratio | 22.1589% | 1,030 |
| Total risk-based capital ratio | 23.4262% | 1,010 |
| Memoranda: | ||
| Average total assets | $136,260,500 | 3,656 |
| Average earning assets | $130,946,500 | 3,576 |
| Average equity | $22,978,500 | 2,865 |
| Average total loans | $102,395,000 | 3,315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,456 |
| Cost of funding earning assets | 0.7871% | 671 |
| Net interest margin | 3.4761% | 3,604 |
| Noninterest income to average assets | 0.6531% | 2,183 |
| Noninterest expense to average assets | 3.0892% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8142% | 3,100 |
| Return on assets (ROA) | 0.7829% | 3,276 |
| Pretax return on assets | 0.8741% | 3,995 |
| Return on Equity (ROE) | 4.5610% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,421 |
| Net charge-offs to loans | 0.0030% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 392.0000% | 223 |
| Efficiency ratio | 77.2666% | 1,450 |
| Assets per employee ($millions) | 4.6104% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6709% | 203 |
| Loan loss allowance to noncurrent loans | 2,387.7193% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,708 |
| Noncurrent loans to loans | 0.1119% | 4,482 |
| Net loans and leases to total assets | 71.7159% | 2,276 |
| Net loans and leases to deposits | 96.2739% | 1,065 |
| Net loans and leases to core deposits | 104.2470% | 1,398 |
| Total domestic deposits to total assets | 74.4915% | 5,140 |
| Equity capital to assets | 16.4831% | 458 |
| Core capital (leverage) ratio | 16.7302% | 389 |
| Tier 1 risk-based capital ratio | 22.9413% | 916 |
| Total risk-based capital ratio | 24.2104% | 899 |
| Memoranda: | ||
| Average total assets | $129,388,000 | 3,759 |
| Average earning assets | $124,508,200 | 3,678 |
| Average equity | $22,209,800 | 2,936 |
| Average total loans | $99,629,000 | 3,356 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,639 |
| Cost of funding earning assets | 0.7774% | 661 |
| Net interest margin | 3.4162% | 3,791 |
| Noninterest income to average assets | 0.5253% | 2,866 |
| Noninterest expense to average assets | 2.9957% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7351% | 3,796 |
| Return on assets (ROA) | 0.6931% | 4,085 |
| Pretax return on assets | 0.7770% | 4,411 |
| Return on Equity (ROE) | 3.9946% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.9946% | 3,549 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4244% | 1,273 |
| Assets per employee ($millions) | 4.3513% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 216 |
| Loan loss allowance to noncurrent loans | 2,162.6984% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,754 |
| Noncurrent loans to loans | 0.1234% | 4,565 |
| Net loans and leases to total assets | 76.1588% | 1,566 |
| Net loans and leases to deposits | 107.2818% | 363 |
| Net loans and leases to core deposits | 117.5614% | 680 |
| Total domestic deposits to total assets | 70.9895% | 5,440 |
| Equity capital to assets | 17.2033% | 408 |
| Core capital (leverage) ratio | 17.2766% | 356 |
| Tier 1 risk-based capital ratio | 23.5808% | 886 |
| Total risk-based capital ratio | 24.8511% | 872 |
| Memoranda: | ||
| Average total assets | $127,157,250 | 3,826 |
| Average earning assets | $122,628,000 | 3,741 |
| Average equity | $22,062,750 | 2,974 |
| Average total loans | $99,058,000 | 3,393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 2,911 |
| Cost of funding earning assets | 0.7643% | 637 |
| Net interest margin | 3.3109% | 4,069 |
| Noninterest income to average assets | 0.3824% | 3,810 |
| Noninterest expense to average assets | 2.9136% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5872% | 4,359 |
| Return on assets (ROA) | 0.5872% | 4,413 |
| Pretax return on assets | 0.6586% | 4,662 |
| Return on Equity (ROE) | 3.3742% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.3742% | 3,704 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5637% | 1,045 |
| Assets per employee ($millions) | 4.5043% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6670% | 231 |
| Loan loss allowance to noncurrent loans | 2,048.8722% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,790 |
| Noncurrent loans to loans | 0.1302% | 4,602 |
| Net loans and leases to total assets | 76.1340% | 1,528 |
| Net loans and leases to deposits | 106.6648% | 375 |
| Net loans and leases to core deposits | 117.8276% | 643 |
| Total domestic deposits to total assets | 71.3768% | 5,489 |
| Equity capital to assets | 16.9393% | 411 |
| Core capital (leverage) ratio | 17.1515% | 360 |
| Tier 1 risk-based capital ratio | 21.9290% | 1,059 |
| Total risk-based capital ratio | 23.1973% | 1,037 |
| Memoranda: | ||
| Average total assets | $126,030,000 | 3,868 |
| Average earning assets | $121,418,000 | 3,780 |
| Average equity | $21,931,330 | 2,980 |
| Average total loans | $98,030,000 | 3,428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 2,908 |
| Cost of funding earning assets | 0.7425% | 683 |
| Net interest margin | 3.2959% | 4,021 |
| Noninterest income to average assets | 0.5043% | 2,955 |
| Noninterest expense to average assets | 2.8772% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7241% | 3,600 |
| Return on assets (ROA) | 0.7241% | 3,650 |
| Pretax return on assets | 0.7985% | 4,115 |
| Return on Equity (ROE) | 4.1038% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,407 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2762% | 1,593 |
| Assets per employee ($millions) | 4.1676% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7539% | 236 |
| Loan loss allowance to noncurrent loans | 1,919.0141% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,813 |
| Noncurrent loans to loans | 0.1435% | 4,615 |
| Net loans and leases to total assets | 76.9650% | 1,268 |
| Net loans and leases to deposits | 109.5930% | 225 |
| Net loans and leases to core deposits | 120.4961% | 450 |
| Total domestic deposits to total assets | 70.2280% | 5,620 |
| Equity capital to assets | 17.5666% | 334 |
| Core capital (leverage) ratio | 17.9220% | 290 |
| Tier 1 risk-based capital ratio | 23.1496% | 957 |
| Total risk-based capital ratio | 24.4194% | 943 |
| Memoranda: | ||
| Average total assets | $123,732,500 | 3,935 |
| Average earning assets | $119,056,500 | 3,850 |
| Average equity | $21,833,500 | 3,000 |
| Average total loans | $95,957,500 | 3,483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 3,112 |
| Cost of funding earning assets | 0.7165% | 757 |
| Net interest margin | 3.3079% | 4,117 |
| Noninterest income to average assets | 0.7909% | 1,778 |
| Noninterest expense to average assets | 3.3356% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9491% | 2,592 |
| Return on assets (ROA) | 0.9491% | 2,699 |
| Pretax return on assets | 0.6542% | 4,640 |
| Return on Equity (ROE) | 5.2554% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,160 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6027% | 1,048 |
| Assets per employee ($millions) | 4.3728% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9313% | 190 |
| Loan loss allowance to noncurrent loans | 1,804.6358% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,821 |
| Noncurrent loans to loans | 0.1624% | 4,582 |
| Net loans and leases to total assets | 73.7010% | 1,897 |
| Net loans and leases to deposits | 104.6226% | 409 |
| Net loans and leases to core deposits | 114.5588% | 677 |
| Total domestic deposits to total assets | 70.4446% | 5,646 |
| Equity capital to assets | 17.7265% | 321 |
| Core capital (leverage) ratio | 18.0238% | 283 |
| Tier 1 risk-based capital ratio | 24.2985% | 842 |
| Total risk-based capital ratio | 25.5713% | 811 |
| Memoranda: | ||
| Average total assets | $116,319,600 | 4,057 |
| Average earning assets | $112,487,200 | 3,961 |
| Average equity | $21,007,000 | 3,065 |
| Average total loans | $88,866,800 | 3,598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,293 |
| Cost of funding earning assets | 0.7088% | 780 |
| Net interest margin | 3.2740% | 4,272 |
| Noninterest income to average assets | 0.6853% | 2,239 |
| Noninterest expense to average assets | 3.2197% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6365% | 4,136 |
| Return on assets (ROA) | 0.6365% | 4,266 |
| Pretax return on assets | 0.6365% | 4,771 |
| Return on Equity (ROE) | 3.5072% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.5072% | 3,791 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4940% | 1,026 |
| Assets per employee ($millions) | 4.0977% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9971% | 188 |
| Loan loss allowance to noncurrent loans | 186.1339% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 1,601 |
| Noncurrent loans to loans | 1.6102% | 1,335 |
| Net loans and leases to total assets | 74.2170% | 1,833 |
| Net loans and leases to deposits | 107.0432% | 340 |
| Net loans and leases to core deposits | 117.8258% | 579 |
| Total domestic deposits to total assets | 69.3337% | 5,729 |
| Equity capital to assets | 17.7702% | 364 |
| Core capital (leverage) ratio | 18.1601% | 292 |
| Tier 1 risk-based capital ratio | 23.3740% | 961 |
| Total risk-based capital ratio | 24.6459% | 941 |
| Memoranda: | ||
| Average total assets | $114,790,000 | 4,113 |
| Average earning assets | $111,176,500 | 4,011 |
| Average equity | $20,832,750 | 3,107 |
| Average total loans | $87,842,750 | 3,634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,174 |
| Cost of funding earning assets | 0.7007% | 805 |
| Net interest margin | 3.3213% | 4,154 |
| Noninterest income to average assets | 0.6699% | 2,279 |
| Noninterest expense to average assets | 3.2792% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6082% | 4,234 |
| Return on assets (ROA) | 0.6082% | 4,358 |
| Pretax return on assets | 0.6082% | 4,862 |
| Return on Equity (ROE) | 3.3272% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.3272% | 3,780 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3537% | 1,014 |
| Assets per employee ($millions) | 3.8246% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2247% | 155 |
| Loan loss allowance to noncurrent loans | 1,612.4260% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,926 |
| Noncurrent loans to loans | 0.2000% | 4,640 |
| Net loans and leases to total assets | 71.2739% | 2,286 |
| Net loans and leases to deposits | 99.0648% | 780 |
| Net loans and leases to core deposits | 105.9451% | 1,186 |
| Total domestic deposits to total assets | 71.9468% | 5,671 |
| Equity capital to assets | 18.2144% | 322 |
| Core capital (leverage) ratio | 18.3889% | 264 |
| Tier 1 risk-based capital ratio | 24.3663% | 868 |
| Total risk-based capital ratio | 25.6400% | 850 |
| Memoranda: | ||
| Average total assets | $113,442,000 | 4,160 |
| Average earning assets | $109,897,000 | 4,058 |
| Average equity | $20,738,000 | 3,125 |
| Average total loans | $86,817,000 | 3,672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 2,980 |
| Cost of funding earning assets | 0.6886% | 853 |
| Net interest margin | 3.3772% | 3,954 |
| Noninterest income to average assets | 0.4965% | 3,145 |
| Noninterest expense to average assets | 3.1349% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6312% | 4,055 |
| Return on assets (ROA) | 0.6312% | 4,169 |
| Pretax return on assets | 0.6312% | 4,726 |
| Return on Equity (ROE) | 3.4467% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.4467% | 3,783 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2392% | 1,233 |
| Assets per employee ($millions) | 4.2267% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2461% | 174 |
| Loan loss allowance to noncurrent loans | 1,548.2955% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,959 |
| Noncurrent loans to loans | 0.2097% | 4,673 |
| Net loans and leases to total assets | 71.1716% | 2,163 |
| Net loans and leases to deposits | 96.4574% | 897 |
| Net loans and leases to core deposits | 102.9965% | 1,265 |
| Total domestic deposits to total assets | 73.7855% | 5,626 |
| Equity capital to assets | 18.1528% | 313 |
| Core capital (leverage) ratio | 18.4223% | 264 |
| Tier 1 risk-based capital ratio | 24.5163% | 862 |
| Total risk-based capital ratio | 25.7905% | 844 |
| Memoranda: | ||
| Average total assets | $112,793,500 | 4,206 |
| Average earning assets | $109,203,500 | 4,103 |
| Average equity | $20,657,500 | 3,134 |
| Average total loans | $87,973,500 | 3,651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,267 |
| Cost of funding earning assets | 0.5889% | 1,442 |
| Net interest margin | 4.0378% | 1,596 |
| Noninterest income to average assets | 0.5704% | 2,898 |
| Noninterest expense to average assets | 3.6890% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1509% | 1,729 |
| Return on assets (ROA) | 1.1509% | 1,800 |
| Pretax return on assets | 0.7985% | 4,192 |
| Return on Equity (ROE) | 6.2489% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.2489% | 1,677 |
| Net charge-offs to loans | -0.2824% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2058% | 1,383 |
| Assets per employee ($millions) | 3.9810% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9619% | 229 |
| Loan loss allowance to noncurrent loans | 1,342.3645% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 4,878 |
| Noncurrent loans to loans | 0.2206% | 4,634 |
| Net loans and leases to total assets | 80.0919% | 835 |
| Net loans and leases to deposits | 112.4015% | 194 |
| Net loans and leases to core deposits | 118.8904% | 509 |
| Total domestic deposits to total assets | 71.2552% | 5,836 |
| Equity capital to assets | 18.4799% | 281 |
| Core capital (leverage) ratio | 19.0015% | 240 |
| Tier 1 risk-based capital ratio | 23.3564% | 969 |
| Total risk-based capital ratio | 24.6294% | 956 |
| Memoranda: | ||
| Average total assets | $108,702,000 | 4,284 |
| Average earning assets | $105,452,400 | 4,156 |
| Average equity | $20,019,600 | 3,164 |
| Average total loans | $86,057,800 | 3,670 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 903 |
| Cost of funding earning assets | 0.5812% | 1,535 |
| Net interest margin | 4.2387% | 1,084 |
| Noninterest income to average assets | 0.6789% | 2,332 |
| Noninterest expense to average assets | 3.7329% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0591% | 2,175 |
| Return on assets (ROA) | 1.0591% | 2,270 |
| Pretax return on assets | 1.0604% | 3,375 |
| Return on Equity (ROE) | 5.7559% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.7559% | 2,399 |
| Net charge-offs to loans | -0.3831% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8779% | 1,961 |
| Assets per employee ($millions) | 3.8231% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2510% | 191 |
| Loan loss allowance to noncurrent loans | 876.2058% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 4,605 |
| Noncurrent loans to loans | 0.3710% | 4,285 |
| Net loans and leases to total assets | 75.7564% | 1,421 |
| Net loans and leases to deposits | 104.8647% | 412 |
| Net loans and leases to core deposits | 111.0769% | 811 |
| Total domestic deposits to total assets | 72.2421% | 5,845 |
| Equity capital to assets | 18.8861% | 283 |
| Core capital (leverage) ratio | 18.5521% | 269 |
| Tier 1 risk-based capital ratio | 24.0207% | 946 |
| Total risk-based capital ratio | 25.2948% | 931 |
| Memoranda: | ||
| Average total assets | $108,010,750 | 4,345 |
| Average earning assets | $104,841,500 | 4,215 |
| Average equity | $19,874,750 | 3,215 |
| Average total loans | $84,572,000 | 3,741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 489 |
| Cost of funding earning assets | 0.5630% | 1,702 |
| Net interest margin | 4.5531% | 571 |
| Noninterest income to average assets | 0.6646% | 2,391 |
| Noninterest expense to average assets | 3.7477% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3348% | 1,228 |
| Return on assets (ROA) | 1.3348% | 1,275 |
| Pretax return on assets | 1.3366% | 2,223 |
| Return on Equity (ROE) | 7.3176% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.3176% | 1,563 |
| Net charge-offs to loans | -0.5730% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7110% | 2,719 |
| Assets per employee ($millions) | 3.8228% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3713% | 181 |
| Loan loss allowance to noncurrent loans | 792.1512% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 4,639 |
| Noncurrent loans to loans | 0.4256% | 4,201 |
| Net loans and leases to total assets | 70.4525% | 2,252 |
| Net loans and leases to deposits | 95.9816% | 967 |
| Net loans and leases to core deposits | 100.5161% | 1,448 |
| Total domestic deposits to total assets | 73.4021% | 5,838 |
| Equity capital to assets | 18.1198% | 326 |
| Core capital (leverage) ratio | 18.2822% | 272 |
| Tier 1 risk-based capital ratio | 24.3260% | 927 |
| Total risk-based capital ratio | 25.6008% | 911 |
| Memoranda: | ||
| Average total assets | $108,332,000 | 4,375 |
| Average earning assets | $105,158,000 | 4,240 |
| Average equity | $19,760,670 | 3,239 |
| Average total loans | $84,822,670 | 3,755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 402 |
| Cost of funding earning assets | 0.5431% | 1,904 |
| Net interest margin | 4.6605% | 446 |
| Noninterest income to average assets | 0.9489% | 1,237 |
| Noninterest expense to average assets | 3.7397% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7260% | 558 |
| Return on assets (ROA) | 1.7260% | 590 |
| Pretax return on assets | 1.7298% | 993 |
| Return on Equity (ROE) | 9.4300% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.4300% | 1,061 |
| Net charge-offs to loans | -1.2532% | 6,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3743% | 3,762 |
| Assets per employee ($millions) | 3.6512% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1193% | 269 |
| Loan loss allowance to noncurrent loans | 711.6279% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 4,548 |
| Noncurrent loans to loans | 0.4383% | 4,285 |
| Net loans and leases to total assets | 80.7818% | 597 |
| Net loans and leases to deposits | 114.3516% | 153 |
| Net loans and leases to core deposits | 120.0272% | 416 |
| Total domestic deposits to total assets | 70.6433% | 6,099 |
| Equity capital to assets | 18.7252% | 279 |
| Core capital (leverage) ratio | 18.5444% | 260 |
| Tier 1 risk-based capital ratio | 22.4443% | 1,175 |
| Total risk-based capital ratio | 23.7174% | 1,158 |
| Memoranda: | ||
| Average total assets | $107,067,000 | 4,435 |
| Average earning assets | $103,851,500 | 4,307 |
| Average equity | $19,597,000 | 3,276 |
| Average total loans | $86,819,000 | 3,730 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,602 |
| Cost of funding earning assets | 0.5489% | 2,212 |
| Net interest margin | 3.4807% | 3,868 |
| Noninterest income to average assets | 0.9054% | 1,487 |
| Noninterest expense to average assets | 3.5546% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1040% | 1,958 |
| Return on assets (ROA) | 1.1040% | 2,014 |
| Pretax return on assets | 0.7372% | 4,487 |
| Return on Equity (ROE) | 6.4295% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.4295% | 1,693 |
| Net charge-offs to loans | 0.1018% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.4353% | 2,747 |
| Efficiency ratio | 82.8229% | 1,552 |
| Assets per employee ($millions) | 3.6083% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9081% | 331 |
| Loan loss allowance to noncurrent loans | 166.9132% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 2,030 |
| Noncurrent loans to loans | 1.7423% | 1,664 |
| Net loans and leases to total assets | 76.5515% | 1,186 |
| Net loans and leases to deposits | 106.8852% | 330 |
| Net loans and leases to core deposits | 112.6354% | 662 |
| Total domestic deposits to total assets | 71.6203% | 6,111 |
| Equity capital to assets | 17.8910% | 326 |
| Core capital (leverage) ratio | 17.7598% | 303 |
| Tier 1 risk-based capital ratio | 23.6072% | 994 |
| Total risk-based capital ratio | 24.8795% | 973 |
| Memoranda: | ||
| Average total assets | $108,790,000 | 4,401 |
| Average earning assets | $105,839,400 | 4,275 |
| Average equity | $18,679,400 | 3,329 |
| Average total loans | $83,457,800 | 3,783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,731 |
| Cost of funding earning assets | 0.5530% | 2,263 |
| Net interest margin | 3.4539% | 4,003 |
| Noninterest income to average assets | 0.9952% | 1,238 |
| Noninterest expense to average assets | 3.5094% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8483% | 3,188 |
| Return on assets (ROA) | 0.8483% | 3,281 |
| Pretax return on assets | 0.8495% | 4,179 |
| Return on Equity (ROE) | 4.9925% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.9925% | 3,084 |
| Net charge-offs to loans | 0.1414% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.8864% | 2,879 |
| Efficiency ratio | 80.5111% | 1,840 |
| Assets per employee ($millions) | 3.9631% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9044% | 395 |
| Loan loss allowance to noncurrent loans | 153.6888% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 2,126 |
| Noncurrent loans to loans | 1.8898% | 1,687 |
| Net loans and leases to total assets | 74.6841% | 1,414 |
| Net loans and leases to deposits | 102.7245% | 466 |
| Net loans and leases to core deposits | 108.1482% | 844 |
| Total domestic deposits to total assets | 72.7034% | 6,115 |
| Equity capital to assets | 17.0367% | 423 |
| Core capital (leverage) ratio | 17.2713% | 344 |
| Tier 1 risk-based capital ratio | 23.4184% | 1,060 |
| Total risk-based capital ratio | 24.6909% | 1,044 |
| Memoranda: | ||
| Average total assets | $108,925,000 | 4,443 |
| Average earning assets | $106,081,750 | 4,300 |
| Average equity | $18,507,500 | 3,367 |
| Average total loans | $82,985,000 | 3,820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,763 |
| Cost of funding earning assets | 0.5673% | 2,190 |
| Net interest margin | 3.4228% | 4,091 |
| Noninterest income to average assets | 1.0310% | 1,118 |
| Noninterest expense to average assets | 3.6011% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7612% | 3,508 |
| Return on assets (ROA) | 0.7612% | 3,615 |
| Pretax return on assets | 0.7631% | 4,404 |
| Return on Equity (ROE) | 4.4844% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.4844% | 3,322 |
| Net charge-offs to loans | -0.0049% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5148% | 1,687 |
| Assets per employee ($millions) | 4.0712% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1283% | 329 |
| Loan loss allowance to noncurrent loans | 101.2613% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 1,202 |
| Noncurrent loans to loans | 3.0893% | 923 |
| Net loans and leases to total assets | 75.1547% | 1,286 |
| Net loans and leases to deposits | 99.5856% | 579 |
| Net loans and leases to core deposits | 104.5320% | 985 |
| Total domestic deposits to total assets | 75.4674% | 5,971 |
| Equity capital to assets | 17.5936% | 356 |
| Core capital (leverage) ratio | 17.3284% | 345 |
| Tier 1 risk-based capital ratio | 24.6560% | 909 |
| Total risk-based capital ratio | 25.9325% | 891 |
| Memoranda: | ||
| Average total assets | $108,244,670 | 4,484 |
| Average earning assets | $105,411,330 | 4,341 |
| Average equity | $18,375,000 | 3,378 |
| Average total loans | $82,195,670 | 3,850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 4,005 |
| Cost of funding earning assets | 0.5818% | 2,142 |
| Net interest margin | 3.3409% | 4,368 |
| Noninterest income to average assets | 1.3743% | 614 |
| Noninterest expense to average assets | 3.8888% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7346% | 3,521 |
| Return on assets (ROA) | 0.7346% | 3,599 |
| Pretax return on assets | 0.7383% | 4,361 |
| Return on Equity (ROE) | 4.4052% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.4052% | 3,482 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0442% | 1,666 |
| Assets per employee ($millions) | 4.1703% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1652% | 368 |
| Loan loss allowance to noncurrent loans | 84.5520% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8000% | 1,064 |
| Noncurrent loans to loans | 3.7435% | 750 |
| Net loans and leases to total assets | 72.4294% | 1,510 |
| Net loans and leases to deposits | 94.8787% | 724 |
| Net loans and leases to core deposits | 99.7282% | 1,121 |
| Total domestic deposits to total assets | 76.3389% | 6,045 |
| Equity capital to assets | 16.9340% | 402 |
| Core capital (leverage) ratio | 16.9139% | 375 |
| Tier 1 risk-based capital ratio | 24.3258% | 958 |
| Total risk-based capital ratio | 25.6022% | 941 |
| Memoranda: | ||
| Average total assets | $109,441,500 | 4,495 |
| Average earning assets | $106,558,000 | 4,352 |
| Average equity | $18,251,000 | 3,391 |
| Average total loans | $82,233,000 | 3,881 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,797 |
| Cost of funding earning assets | 0.7135% | 1,721 |
| Net interest margin | 3.0929% | 5,330 |
| Noninterest income to average assets | 0.7865% | 2,135 |
| Noninterest expense to average assets | 3.3965% | 1,889 |
| Loan and lease loss provision to assets | -0.5438% | 6,754 |
| Net operating income to assets | 0.9361% | 2,618 |
| Return on assets (ROA) | 0.9361% | 2,698 |
| Pretax return on assets | 0.9396% | 3,600 |
| Return on Equity (ROE) | 6.1548% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.1548% | 1,882 |
| Net charge-offs to loans | -0.0209% | 6,150 |
| Credit loss provision to net charge-offs | 3,676.4706% | 57 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5618% | 1,062 |
| Assets per employee ($millions) | 4.8024% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0792% | 429 |
| Loan loss allowance to noncurrent loans | 83.4525% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.7848% | 1,179 |
| Noncurrent loans to loans | 3.6898% | 820 |
| Net loans and leases to total assets | 73.1504% | 1,496 |
| Net loans and leases to deposits | 96.2844% | 709 |
| Net loans and leases to core deposits | 101.5076% | 1,060 |
| Total domestic deposits to total assets | 75.9732% | 6,096 |
| Equity capital to assets | 16.4237% | 457 |
| Core capital (leverage) ratio | 16.1597% | 455 |
| Tier 1 risk-based capital ratio | 23.4003% | 1,035 |
| Total risk-based capital ratio | 24.6752% | 1,009 |
| Memoranda: | ||
| Average total assets | $114,940,600 | 4,388 |
| Average earning assets | $111,709,200 | 4,228 |
| Average equity | $17,482,200 | 3,498 |
| Average total loans | $81,290,800 | 3,896 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,812 |
| Cost of funding earning assets | 0.7272% | 1,755 |
| Net interest margin | 3.0850% | 5,361 |
| Noninterest income to average assets | 0.7008% | 2,605 |
| Noninterest expense to average assets | 3.2361% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4607% | 4,972 |
| Return on assets (ROA) | 0.4607% | 5,118 |
| Pretax return on assets | 0.4618% | 5,471 |
| Return on Equity (ROE) | 3.0873% | 5,574 |
| Retained earnings to average equity (ytd only) | 3.0873% | 4,472 |
| Net charge-offs to loans | -0.0281% | 6,149 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5116% | 1,211 |
| Assets per employee ($millions) | 4.5738% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9704% | 244 |
| Loan loss allowance to noncurrent loans | 123.6730% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 2.2572% | 1,759 |
| Noncurrent loans to loans | 3.2104% | 1,224 |
| Net loans and leases to total assets | 67.5176% | 2,369 |
| Net loans and leases to deposits | 89.1191% | 1,256 |
| Net loans and leases to core deposits | 94.1110% | 1,562 |
| Total domestic deposits to total assets | 75.7611% | 6,198 |
| Equity capital to assets | 15.2722% | 669 |
| Core capital (leverage) ratio | 15.3230% | 588 |
| Tier 1 risk-based capital ratio | 22.7888% | 1,180 |
| Total risk-based capital ratio | 24.0743% | 1,157 |
| Memoranda: | ||
| Average total assets | $116,061,750 | 4,408 |
| Average earning assets | $112,757,750 | 4,246 |
| Average equity | $17,317,500 | 3,560 |
| Average total loans | $80,772,000 | 3,950 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6744% | 5,222 |
| Cost of funding earning assets | 0.7427% | 1,748 |
| Net interest margin | 2.9318% | 5,721 |
| Noninterest income to average assets | 0.7819% | 2,268 |
| Noninterest expense to average assets | 3.1586% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4647% | 4,956 |
| Return on assets (ROA) | 0.4647% | 5,128 |
| Pretax return on assets | 0.4664% | 5,476 |
| Return on Equity (ROE) | 3.1386% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.1386% | 4,327 |
| Net charge-offs to loans | -0.0025% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1334% | 1,311 |
| Assets per employee ($millions) | 4.3418% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2869% | 203 |
| Loan loss allowance to noncurrent loans | 121.4996% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3156% | 1,869 |
| Noncurrent loans to loans | 3.5283% | 1,192 |
| Net loans and leases to total assets | 62.8156% | 3,136 |
| Net loans and leases to deposits | 80.2658% | 2,286 |
| Net loans and leases to core deposits | 84.6444% | 2,471 |
| Total domestic deposits to total assets | 78.2595% | 5,933 |
| Equity capital to assets | 15.3686% | 644 |
| Core capital (leverage) ratio | 15.0475% | 603 |
| Tier 1 risk-based capital ratio | 23.0677% | 1,124 |
| Total risk-based capital ratio | 24.3575% | 1,106 |
| Memoranda: | ||
| Average total assets | $116,634,000 | 4,428 |
| Average earning assets | $113,106,330 | 4,268 |
| Average equity | $17,269,000 | 3,585 |
| Average total loans | $80,897,670 | 3,963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 4,188 |
| Cost of funding earning assets | 0.7539% | 1,815 |
| Net interest margin | 3.2285% | 4,811 |
| Noninterest income to average assets | 0.7527% | 2,326 |
| Noninterest expense to average assets | 3.1795% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6919% | 3,731 |
| Return on assets (ROA) | 0.6919% | 3,876 |
| Pretax return on assets | 0.6953% | 4,597 |
| Return on Equity (ROE) | 4.7594% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,383 |
| Net charge-offs to loans | -0.0047% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0557% | 2,029 |
| Assets per employee ($millions) | 4.3611% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8374% | 324 |
| Loan loss allowance to noncurrent loans | 117.8916% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 2.5800% | 1,777 |
| Noncurrent loans to loans | 3.2550% | 1,496 |
| Net loans and leases to total assets | 67.5909% | 2,093 |
| Net loans and leases to deposits | 88.2635% | 1,118 |
| Net loans and leases to core deposits | 92.3724% | 1,470 |
| Total domestic deposits to total assets | 76.5785% | 6,298 |
| Equity capital to assets | 14.7166% | 822 |
| Core capital (leverage) ratio | 14.6528% | 642 |
| Tier 1 risk-based capital ratio | 21.4825% | 1,432 |
| Total risk-based capital ratio | 22.7663% | 1,395 |
| Memoranda: | ||
| Average total assets | $118,508,000 | 4,427 |
| Average earning assets | $114,606,000 | 4,271 |
| Average equity | $17,229,000 | 3,623 |
| Average total loans | $84,303,500 | 3,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 3,784 |
| Cost of funding earning assets | 0.9126% | 1,866 |
| Net interest margin | 3.4947% | 4,523 |
| Noninterest income to average assets | 0.7705% | 2,389 |
| Noninterest expense to average assets | 3.3290% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8142% | 3,224 |
| Return on assets (ROA) | 0.8142% | 3,470 |
| Pretax return on assets | 0.8199% | 4,223 |
| Return on Equity (ROE) | 6.1093% | 4,111 |
| Retained earnings to average equity (ytd only) | 6.1093% | 2,013 |
| Net charge-offs to loans | 0.0561% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 20.2600% | 1,361 |
| Efficiency ratio | 80.2380% | 2,115 |
| Assets per employee ($millions) | 4.5871% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6987% | 357 |
| Loan loss allowance to noncurrent loans | 104.0984% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 2.8458% | 1,682 |
| Noncurrent loans to loans | 3.5530% | 1,393 |
| Net loans and leases to total assets | 69.3137% | 1,971 |
| Net loans and leases to deposits | 90.0610% | 1,069 |
| Net loans and leases to core deposits | 94.1656% | 1,455 |
| Total domestic deposits to total assets | 76.9631% | 6,231 |
| Equity capital to assets | 14.3621% | 918 |
| Core capital (leverage) ratio | 14.2432% | 733 |
| Tier 1 risk-based capital ratio | 20.6260% | 1,542 |
| Total risk-based capital ratio | 21.9095% | 1,503 |
| Memoranda: | ||
| Average total assets | $123,552,400 | 4,281 |
| Average earning assets | $119,436,800 | 4,120 |
| Average equity | $16,466,800 | 3,709 |
| Average total loans | $89,099,200 | 3,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 3,965 |
| Cost of funding earning assets | 0.9541% | 1,831 |
| Net interest margin | 3.4659% | 4,779 |
| Noninterest income to average assets | 0.8035% | 2,224 |
| Noninterest expense to average assets | 3.3968% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7596% | 3,653 |
| Return on assets (ROA) | 0.7596% | 3,903 |
| Pretax return on assets | 0.7607% | 4,628 |
| Return on Equity (ROE) | 5.8072% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.8072% | 2,831 |
| Net charge-offs to loans | 0.4360% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.4184% | 4,072 |
| Efficiency ratio | 81.7036% | 1,842 |
| Assets per employee ($millions) | 4.6708% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2780% | 561 |
| Loan loss allowance to noncurrent loans | 102.0188% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 2.9900% | 1,747 |
| Noncurrent loans to loans | 3.2131% | 1,715 |
| Net loans and leases to total assets | 71.2154% | 1,692 |
| Net loans and leases to deposits | 91.8304% | 988 |
| Net loans and leases to core deposits | 96.2238% | 1,397 |
| Total domestic deposits to total assets | 77.5511% | 6,155 |
| Equity capital to assets | 13.8389% | 1,219 |
| Core capital (leverage) ratio | 13.7151% | 939 |
| Tier 1 risk-based capital ratio | 19.5654% | 1,863 |
| Total risk-based capital ratio | 20.8427% | 1,828 |
| Memoranda: | ||
| Average total assets | $124,624,250 | 4,300 |
| Average earning assets | $120,600,250 | 4,140 |
| Average equity | $16,301,250 | 3,771 |
| Average total loans | $89,913,500 | 3,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 4,157 |
| Cost of funding earning assets | 0.9874% | 1,842 |
| Net interest margin | 3.4207% | 5,004 |
| Noninterest income to average assets | 0.2673% | 5,664 |
| Noninterest expense to average assets | 3.3258% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2530% | 5,758 |
| Return on assets (ROA) | 0.2530% | 5,947 |
| Pretax return on assets | 0.2546% | 6,049 |
| Return on Equity (ROE) | 1.9711% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.9711% | 5,210 |
| Net charge-offs to loans | 0.1887% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.8824% | 4,033 |
| Efficiency ratio | 92.8889% | 872 |
| Assets per employee ($millions) | 4.7728% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4006% | 540 |
| Loan loss allowance to noncurrent loans | 85.8627% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 3.5578% | 1,492 |
| Noncurrent loans to loans | 3.9605% | 1,403 |
| Net loans and leases to total assets | 71.8783% | 1,580 |
| Net loans and leases to deposits | 96.8133% | 578 |
| Net loans and leases to core deposits | 101.8022% | 991 |
| Total domestic deposits to total assets | 74.2443% | 6,661 |
| Equity capital to assets | 13.0652% | 1,485 |
| Core capital (leverage) ratio | 13.1895% | 1,095 |
| Tier 1 risk-based capital ratio | 18.6352% | 2,090 |
| Total risk-based capital ratio | 19.9148% | 2,037 |
| Memoranda: | ||
| Average total assets | $125,685,670 | 4,299 |
| Average earning assets | $121,731,000 | 4,129 |
| Average equity | $16,133,000 | 3,785 |
| Average total loans | $90,079,670 | 3,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 4,287 |
| Cost of funding earning assets | 1.0227% | 1,855 |
| Net interest margin | 3.3884% | 5,164 |
| Noninterest income to average assets | 0.2783% | 5,641 |
| Noninterest expense to average assets | 3.3523% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2056% | 5,969 |
| Return on assets (ROA) | 0.2056% | 6,115 |
| Pretax return on assets | 0.2056% | 6,190 |
| Return on Equity (ROE) | 1.6156% | 6,188 |
| Retained earnings to average equity (ytd only) | 1.6156% | 5,432 |
| Net charge-offs to loans | 0.0719% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0625% | 2,672 |
| Efficiency ratio | 94.2222% | 808 |
| Assets per employee ($millions) | 4.8879% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5970% | 500 |
| Loan loss allowance to noncurrent loans | 86.7766% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 3.5063% | 1,639 |
| Noncurrent loans to loans | 4.1451% | 1,458 |
| Net loans and leases to total assets | 67.6752% | 2,172 |
| Net loans and leases to deposits | 89.6306% | 995 |
| Net loans and leases to core deposits | 94.3306% | 1,440 |
| Total domestic deposits to total assets | 75.5046% | 6,591 |
| Equity capital to assets | 12.7253% | 1,584 |
| Core capital (leverage) ratio | 12.8517% | 1,185 |
| Tier 1 risk-based capital ratio | 18.1489% | 2,241 |
| Total risk-based capital ratio | 19.4281% | 2,202 |
| Memoranda: | ||
| Average total assets | $126,482,000 | 4,310 |
| Average earning assets | $122,418,000 | 4,145 |
| Average equity | $16,093,000 | 3,799 |
| Average total loans | $88,951,500 | 3,853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 3,936 |
| Cost of funding earning assets | 1.2806% | 1,575 |
| Net interest margin | 3.4908% | 5,178 |
| Noninterest income to average assets | 0.6177% | 3,073 |
| Noninterest expense to average assets | 3.0080% | 3,560 |
| Loan and lease loss provision to assets | 0.9505% | 1,010 |
| Net operating income to assets | 0.0476% | 5,967 |
| Return on assets (ROA) | 0.0717% | 6,035 |
| Pretax return on assets | 0.0725% | 6,009 |
| Return on Equity (ROE) | 0.6238% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.6238% | 5,557 |
| Net charge-offs to loans | 1.2396% | 1,342 |
| Credit loss provision to net charge-offs | 100.3028% | 3,487 |
| Earnings coverage of net charge-offs (x) | 1.0537% | 4,998 |
| Efficiency ratio | 75.0761% | 3,048 |
| Assets per employee ($millions) | 4.8415% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6363% | 492 |
| Loan loss allowance to noncurrent loans | 73.0630% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.5065% | 1,689 |
| Noncurrent loans to loans | 4.9769% | 1,134 |
| Net loans and leases to total assets | 67.8938% | 2,417 |
| Net loans and leases to deposits | 90.8631% | 1,069 |
| Net loans and leases to core deposits | 95.2787% | 1,564 |
| Total domestic deposits to total assets | 74.7210% | 6,644 |
| Equity capital to assets | 12.7217% | 1,645 |
| Core capital (leverage) ratio | 12.5064% | 1,350 |
| Tier 1 risk-based capital ratio | 17.8855% | 2,233 |
| Total risk-based capital ratio | 19.1646% | 2,195 |
| Memoranda: | ||
| Average total assets | $139,396,200 | 3,985 |
| Average earning assets | $135,326,000 | 3,835 |
| Average equity | $16,030,000 | 3,723 |
| Average total loans | $106,565,000 | 3,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 3,813 |
| Cost of funding earning assets | 1.3303% | 1,549 |
| Net interest margin | 3.5137% | 5,129 |
| Noninterest income to average assets | 0.7564% | 2,281 |
| Noninterest expense to average assets | 2.9566% | 3,719 |
| Loan and lease loss provision to assets | 1.2373% | 620 |
| Net operating income to assets | -0.0217% | 6,184 |
| Return on assets (ROA) | 0.0047% | 6,247 |
| Pretax return on assets | 0.0056% | 6,223 |
| Return on Equity (ROE) | 0.0416% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.0416% | 5,942 |
| Net charge-offs to loans | 1.9045% | 687 |
| Credit loss provision to net charge-offs | 83.5435% | 4,016 |
| Earnings coverage of net charge-offs (x) | 0.8178% | 5,002 |
| Efficiency ratio | 70.9388% | 3,751 |
| Assets per employee ($millions) | 5.2194% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0090% | 856 |
| Loan loss allowance to noncurrent loans | 57.9824% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.9775% | 1,537 |
| Noncurrent loans to loans | 5.1894% | 1,178 |
| Net loans and leases to total assets | 73.1224% | 1,484 |
| Net loans and leases to deposits | 97.6512% | 595 |
| Net loans and leases to core deposits | 102.4844% | 1,073 |
| Total domestic deposits to total assets | 74.8812% | 6,655 |
| Equity capital to assets | 12.2720% | 2,041 |
| Core capital (leverage) ratio | 12.0121% | 1,698 |
| Tier 1 risk-based capital ratio | 16.1421% | 3,043 |
| Total risk-based capital ratio | 17.4134% | 2,994 |
| Memoranda: | ||
| Average total assets | $142,775,500 | 3,949 |
| Average earning assets | $138,614,500 | 3,792 |
| Average equity | $16,034,000 | 3,730 |
| Average total loans | $111,034,000 | 3,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 3,729 |
| Cost of funding earning assets | 1.3950% | 1,443 |
| Net interest margin | 3.4812% | 5,241 |
| Noninterest income to average assets | 1.1575% | 957 |
| Noninterest expense to average assets | 2.9509% | 3,828 |
| Loan and lease loss provision to assets | 1.8043% | 369 |
| Net operating income to assets | -0.2179% | 6,486 |
| Return on assets (ROA) | -0.2179% | 6,525 |
| Pretax return on assets | -0.2165% | 6,469 |
| Return on Equity (ROE) | -1.9949% | 6,514 |
| Retained earnings to average equity (ytd only) | -1.9949% | 6,249 |
| Net charge-offs to loans | 2.6151% | 430 |
| Credit loss provision to net charge-offs | 87.9230% | 3,518 |
| Earnings coverage of net charge-offs (x) | 0.7737% | 4,723 |
| Efficiency ratio | 65.0165% | 5,056 |
| Assets per employee ($millions) | 5.3057% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8252% | 1,057 |
| Loan loss allowance to noncurrent loans | 40.7318% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 5.4701% | 1,083 |
| Noncurrent loans to loans | 6.9361% | 750 |
| Net loans and leases to total assets | 75.7729% | 1,109 |
| Net loans and leases to deposits | 101.2613% | 438 |
| Net loans and leases to core deposits | 106.2309% | 920 |
| Total domestic deposits to total assets | 74.8291% | 6,751 |
| Equity capital to assets | 11.5651% | 2,446 |
| Core capital (leverage) ratio | 11.1510% | 2,141 |
| Tier 1 risk-based capital ratio | 14.3083% | 3,928 |
| Total risk-based capital ratio | 15.5769% | 3,895 |
| Memoranda: | ||
| Average total assets | $146,872,670 | 3,904 |
| Average earning assets | $142,652,330 | 3,752 |
| Average equity | $16,041,000 | 3,728 |
| Average total loans | $115,254,330 | 3,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 3,647 |
| Cost of funding earning assets | 1.4689% | 1,301 |
| Net interest margin | 3.4192% | 5,353 |
| Noninterest income to average assets | 1.0070% | 1,306 |
| Noninterest expense to average assets | 2.6987% | 4,839 |
| Loan and lease loss provision to assets | 1.5198% | 417 |
| Net operating income to assets | 0.1084% | 6,073 |
| Return on assets (ROA) | 0.1084% | 6,127 |
| Pretax return on assets | 0.1110% | 6,144 |
| Return on Equity (ROE) | 1.0196% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.0196% | 5,420 |
| Net charge-offs to loans | 3.1268% | 340 |
| Credit loss provision to net charge-offs | 61.7615% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.6627% | 4,130 |
| Efficiency ratio | 62.3321% | 5,628 |
| Assets per employee ($millions) | 5.7447% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 1,563 |
| Loan loss allowance to noncurrent loans | 46.4569% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.1858% | 1,573 |
| Noncurrent loans to loans | 5.2349% | 1,264 |
| Net loans and leases to total assets | 76.9535% | 878 |
| Net loans and leases to deposits | 107.4698% | 225 |
| Net loans and leases to core deposits | 113.5344% | 613 |
| Total domestic deposits to total assets | 71.6047% | 7,103 |
| Equity capital to assets | 10.8019% | 2,880 |
| Core capital (leverage) ratio | 10.4832% | 2,629 |
| Tier 1 risk-based capital ratio | 13.6846% | 4,298 |
| Total risk-based capital ratio | 14.9491% | 4,259 |
| Memoranda: | ||
| Average total assets | $151,334,500 | 3,859 |
| Average earning assets | $147,052,000 | 3,696 |
| Average equity | $16,084,500 | 3,712 |
| Average total loans | $119,098,000 | 3,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 4,034 |
| Cost of funding earning assets | 1.5438% | 2,384 |
| Net interest margin | 3.5706% | 4,961 |
| Noninterest income to average assets | 0.2886% | 5,723 |
| Noninterest expense to average assets | 2.3611% | 6,192 |
| Loan and lease loss provision to assets | 1.4303% | 1,045 |
| Net operating income to assets | -0.0392% | 5,910 |
| Return on assets (ROA) | -0.0398% | 6,000 |
| Pretax return on assets | -0.0392% | 5,941 |
| Return on Equity (ROE) | -0.4580% | 6,012 |
| Retained earnings to average equity (ytd only) | -0.4580% | 5,699 |
| Net charge-offs to loans | 1.3433% | 1,662 |
| Credit loss provision to net charge-offs | 137.0236% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,772 |
| Efficiency ratio | 62.9144% | 5,537 |
| Assets per employee ($millions) | 5.8964% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6754% | 1,198 |
| Loan loss allowance to noncurrent loans | 43.4566% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 4.9228% | 1,307 |
| Noncurrent loans to loans | 6.1566% | 1,002 |
| Net loans and leases to total assets | 76.4288% | 1,197 |
| Net loans and leases to deposits | 104.9694% | 361 |
| Net loans and leases to core deposits | 110.2123% | 906 |
| Total domestic deposits to total assets | 72.8106% | 7,014 |
| Equity capital to assets | 10.4595% | 3,198 |
| Core capital (leverage) ratio | 10.3784% | 2,697 |
| Tier 1 risk-based capital ratio | 13.3668% | 4,317 |
| Total risk-based capital ratio | 14.6344% | 4,260 |
| Memoranda: | ||
| Average total assets | $158,356,400 | 3,728 |
| Average earning assets | $153,644,600 | 3,578 |
| Average equity | $13,756,400 | 4,197 |
| Average total loans | $123,055,000 | 3,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 4,223 |
| Cost of funding earning assets | 1.5817% | 2,496 |
| Net interest margin | 3.5371% | 5,157 |
| Noninterest income to average assets | 0.3291% | 5,526 |
| Noninterest expense to average assets | 2.3731% | 6,105 |
| Loan and lease loss provision to assets | 1.1694% | 1,229 |
| Net operating income to assets | 0.2172% | 5,456 |
| Return on assets (ROA) | 0.2163% | 5,624 |
| Pretax return on assets | 0.2172% | 5,692 |
| Return on Equity (ROE) | 2.6187% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.6187% | 4,584 |
| Net charge-offs to loans | 0.8869% | 2,226 |
| Credit loss provision to net charge-offs | 170.1094% | 2,187 |
| Earnings coverage of net charge-offs (x) | 2.0182% | 4,208 |
| Efficiency ratio | 63.1053% | 5,416 |
| Assets per employee ($millions) | 5.9465% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5908% | 1,219 |
| Loan loss allowance to noncurrent loans | 38.9058% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 5.3839% | 1,161 |
| Noncurrent loans to loans | 6.6591% | 878 |
| Net loans and leases to total assets | 77.4785% | 1,130 |
| Net loans and leases to deposits | 102.4416% | 514 |
| Net loans and leases to core deposits | 108.2037% | 1,148 |
| Total domestic deposits to total assets | 75.6319% | 6,712 |
| Equity capital to assets | 9.9096% | 4,279 |
| Core capital (leverage) ratio | 9.8716% | 3,400 |
| Tier 1 risk-based capital ratio | 12.3691% | 5,102 |
| Total risk-based capital ratio | 13.6351% | 5,064 |
| Memoranda: | ||
| Average total assets | $159,619,000 | 3,761 |
| Average earning assets | $154,851,250 | 3,601 |
| Average equity | $13,186,750 | 4,398 |
| Average total loans | $123,721,000 | 3,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 4,506 |
| Cost of funding earning assets | 1.6418% | 2,424 |
| Net interest margin | 3.4485% | 5,444 |
| Noninterest income to average assets | 0.3931% | 4,962 |
| Noninterest expense to average assets | 2.2481% | 6,509 |
| Loan and lease loss provision to assets | 1.2400% | 1,127 |
| Net operating income to assets | 0.2480% | 5,383 |
| Return on assets (ROA) | 0.2480% | 5,524 |
| Pretax return on assets | 0.2492% | 5,657 |
| Return on Equity (ROE) | 3.2063% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.2063% | 4,068 |
| Net charge-offs to loans | 0.0774% | 5,370 |
| Credit loss provision to net charge-offs | 2,083.3333% | 197 |
| Earnings coverage of net charge-offs (x) | 25.0208% | 1,049 |
| Efficiency ratio | 60.1526% | 6,022 |
| Assets per employee ($millions) | 5.7836% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 871 |
| Loan loss allowance to noncurrent loans | 40.4246% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 5.7596% | 1,046 |
| Noncurrent loans to loans | 7.2806% | 748 |
| Net loans and leases to total assets | 75.2006% | 1,649 |
| Net loans and leases to deposits | 98.9543% | 797 |
| Net loans and leases to core deposits | 106.7720% | 1,382 |
| Total domestic deposits to total assets | 75.9953% | 6,695 |
| Equity capital to assets | 8.4876% | 6,174 |
| Core capital (leverage) ratio | 8.2953% | 5,779 |
| Tier 1 risk-based capital ratio | 10.7543% | 6,480 |
| Total risk-based capital ratio | 12.0243% | 6,455 |
| Memoranda: | ||
| Average total assets | $161,289,330 | 3,760 |
| Average earning assets | $156,414,670 | 3,590 |
| Average equity | $12,475,330 | 4,557 |
| Average total loans | $123,970,000 | 3,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 5,099 |
| Cost of funding earning assets | 1.6962% | 2,411 |
| Net interest margin | 3.2866% | 6,018 |
| Noninterest income to average assets | 0.2148% | 6,425 |
| Noninterest expense to average assets | 2.0701% | 7,014 |
| Loan and lease loss provision to assets | 0.9765% | 1,277 |
| Net operating income to assets | 0.3491% | 5,083 |
| Return on assets (ROA) | 0.3491% | 5,204 |
| Pretax return on assets | 0.3515% | 5,454 |
| Return on Equity (ROE) | 4.7327% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.7327% | 3,307 |
| Net charge-offs to loans | -0.0032% | 6,780 |
| Credit loss provision to net charge-offs | -40,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9195% | 6,015 |
| Assets per employee ($millions) | 6.0332% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 1,490 |
| Loan loss allowance to noncurrent loans | 37.8712% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 4.9927% | 1,289 |
| Noncurrent loans to loans | 6.2135% | 1,040 |
| Net loans and leases to total assets | 76.6767% | 1,395 |
| Net loans and leases to deposits | 100.3181% | 733 |
| Net loans and leases to core deposits | 110.5697% | 1,238 |
| Total domestic deposits to total assets | 76.4336% | 6,673 |
| Equity capital to assets | 7.4691% | 7,096 |
| Core capital (leverage) ratio | 7.4504% | 6,896 |
| Tier 1 risk-based capital ratio | 9.4122% | 7,346 |
| Total risk-based capital ratio | 10.6753% | 7,339 |
| Memoranda: | ||
| Average total assets | $163,855,500 | 3,772 |
| Average earning assets | $158,707,000 | 3,593 |
| Average equity | $12,086,000 | 4,699 |
| Average total loans | $125,459,000 | 3,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 3,880 |
| Cost of funding earning assets | 2.5302% | 948 |
| Net interest margin | 3.0192% | 6,596 |
| Noninterest income to average assets | 0.1427% | 7,024 |
| Noninterest expense to average assets | 2.3505% | 6,602 |
| Loan and lease loss provision to assets | 1.3243% | 1,738 |
| Net operating income to assets | -0.9962% | 6,576 |
| Return on assets (ROA) | -1.0576% | 6,620 |
| Pretax return on assets | -0.6609% | 6,149 |
| Return on Equity (ROE) | -13.2828% | 6,847 |
| Retained earnings to average equity (ytd only) | -13.2828% | 6,775 |
| Net charge-offs to loans | 1.1775% | 2,081 |
| Credit loss provision to net charge-offs | 144.5466% | 3,300 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 5,315 |
| Efficiency ratio | 76.4337% | 3,451 |
| Assets per employee ($millions) | 6.3390% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,790 |
| Loan loss allowance to noncurrent loans | 105.8418% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 3,963 |
| Noncurrent loans to loans | 2.0040% | 3,646 |
| Net loans and leases to total assets | 73.0490% | 2,500 |
| Net loans and leases to deposits | 95.0132% | 1,455 |
| Net loans and leases to core deposits | 153.9165% | 432 |
| Total domestic deposits to total assets | 76.8830% | 6,511 |
| Equity capital to assets | 7.2840% | 7,211 |
| Core capital (leverage) ratio | 7.2499% | 7,030 |
| Tier 1 risk-based capital ratio | 9.3791% | 7,285 |
| Total risk-based capital ratio | 10.6386% | 7,268 |
| Memoranda: | ||
| Average total assets | $166,131,600 | 3,670 |
| Average earning assets | $161,369,800 | 3,491 |
| Average equity | $13,227,600 | 4,448 |
| Average total loans | $129,260,000 | 3,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6058% | 3,833 |
| Cost of funding earning assets | 2.6863% | 819 |
| Net interest margin | 2.9195% | 6,801 |
| Noninterest income to average assets | 0.1458% | 7,131 |
| Noninterest expense to average assets | 2.2467% | 6,848 |
| Loan and lease loss provision to assets | 0.8811% | 2,184 |
| Net operating income to assets | -0.1442% | 5,977 |
| Return on assets (ROA) | -0.2259% | 6,115 |
| Pretax return on assets | -0.2259% | 6,013 |
| Return on Equity (ROE) | -2.7783% | 6,210 |
| Retained earnings to average equity (ytd only) | -2.7783% | 5,893 |
| Net charge-offs to loans | 0.1294% | 5,402 |
| Credit loss provision to net charge-offs | 866.1417% | 439 |
| Earnings coverage of net charge-offs (x) | 7.2441% | 2,442 |
| Efficiency ratio | 75.3020% | 3,638 |
| Assets per employee ($millions) | 6.5924% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 1,346 |
| Loan loss allowance to noncurrent loans | 32.3529% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 5.4463% | 1,056 |
| Noncurrent loans to loans | 6.9663% | 774 |
| Net loans and leases to total assets | 76.4177% | 1,915 |
| Net loans and leases to deposits | 102.0765% | 914 |
| Net loans and leases to core deposits | 166.3791% | 303 |
| Total domestic deposits to total assets | 74.8632% | 6,797 |
| Equity capital to assets | 8.1470% | 6,695 |
| Core capital (leverage) ratio | 7.8776% | 6,533 |
| Tier 1 risk-based capital ratio | 10.1217% | 6,857 |
| Total risk-based capital ratio | 11.3832% | 6,797 |
| Memoranda: | ||
| Average total assets | $166,461,000 | 3,685 |
| Average earning assets | $161,803,250 | 3,515 |
| Average equity | $13,533,250 | 4,408 |
| Average total loans | $130,824,000 | 3,288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 3,863 |
| Cost of funding earning assets | 2.8010% | 790 |
| Net interest margin | 2.8392% | 6,936 |
| Noninterest income to average assets | 0.1162% | 7,406 |
| Noninterest expense to average assets | 2.4082% | 6,434 |
| Loan and lease loss provision to assets | 0.2395% | 4,671 |
| Net operating income to assets | 0.2778% | 4,987 |
| Return on assets (ROA) | 0.1557% | 5,495 |
| Pretax return on assets | 0.1054% | 5,662 |
| Return on Equity (ROE) | 1.9162% | 5,336 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,277 |
| Net charge-offs to loans | 0.0015% | 6,612 |
| Credit loss provision to net charge-offs | 20,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 96 |
| Efficiency ratio | 83.7568% | 2,508 |
| Assets per employee ($millions) | 6.0196% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 2,591 |
| Loan loss allowance to noncurrent loans | 52.9193% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.4765% | 2,607 |
| Noncurrent loans to loans | 3.0918% | 2,321 |
| Net loans and leases to total assets | 78.7867% | 1,576 |
| Net loans and leases to deposits | 105.3614% | 804 |
| Net loans and leases to core deposits | 170.5359% | 316 |
| Total domestic deposits to total assets | 74.7776% | 6,807 |
| Equity capital to assets | 8.4218% | 6,164 |
| Core capital (leverage) ratio | 8.2104% | 5,967 |
| Tier 1 risk-based capital ratio | 10.3621% | 6,520 |
| Total risk-based capital ratio | 11.6173% | 6,447 |
| Memoranda: | ||
| Average total assets | $167,011,330 | 3,689 |
| Average earning assets | $162,299,000 | 3,521 |
| Average equity | $13,568,670 | 4,404 |
| Average total loans | $131,482,670 | 3,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 3,925 |
| Cost of funding earning assets | 2.9085% | 753 |
| Net interest margin | 2.7652% | 7,064 |
| Noninterest income to average assets | 0.1016% | 7,530 |
| Noninterest expense to average assets | 2.1625% | 6,974 |
| Loan and lease loss provision to assets | 0.4041% | 2,901 |
| Net operating income to assets | 0.2370% | 5,542 |
| Return on assets (ROA) | 0.0827% | 6,196 |
| Pretax return on assets | -0.0165% | 6,399 |
| Return on Equity (ROE) | 1.0363% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.0363% | 5,231 |
| Net charge-offs to loans | 0.0030% | 5,688 |
| Credit loss provision to net charge-offs | 17,100.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 155 |
| Efficiency ratio | 77.4767% | 3,256 |
| Assets per employee ($millions) | 6.0401% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 2,455 |
| Loan loss allowance to noncurrent loans | 71.5112% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 3,311 |
| Noncurrent loans to loans | 2.2612% | 2,911 |
| Net loans and leases to total assets | 75.5829% | 2,367 |
| Net loans and leases to deposits | 100.6076% | 1,329 |
| Net loans and leases to core deposits | 155.8897% | 564 |
| Total domestic deposits to total assets | 75.1264% | 6,685 |
| Equity capital to assets | 7.9759% | 6,847 |
| Core capital (leverage) ratio | 7.9832% | 6,479 |
| Tier 1 risk-based capital ratio | 10.1278% | 6,777 |
| Total risk-based capital ratio | 11.3822% | 6,688 |
| Memoranda: | ||
| Average total assets | $169,252,000 | 3,666 |
| Average earning assets | $164,619,500 | 3,501 |
| Average equity | $13,509,000 | 4,441 |
| Average total loans | $132,133,000 | 3,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3238% | 3,833 |
| Cost of funding earning assets | 3.4484% | 605 |
| Net interest margin | 2.8754% | 7,202 |
| Noninterest income to average assets | 0.1315% | 7,451 |
| Noninterest expense to average assets | 2.6147% | 5,593 |
| Loan and lease loss provision to assets | 0.0049% | 7,297 |
| Net operating income to assets | 0.3643% | 5,296 |
| Return on assets (ROA) | 0.0028% | 6,224 |
| Pretax return on assets | -0.2615% | 6,424 |
| Return on Equity (ROE) | 0.0295% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.0295% | 5,221 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4559% | 1,560 |
| Assets per employee ($millions) | 6.2734% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 2,987 |
| Loan loss allowance to noncurrent loans | 158.4085% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 5,066 |
| Noncurrent loans to loans | 0.9074% | 4,810 |
| Net loans and leases to total assets | 78.1705% | 2,093 |
| Net loans and leases to deposits | 106.5736% | 1,078 |
| Net loans and leases to core deposits | 167.9576% | 441 |
| Total domestic deposits to total assets | 73.3488% | 6,764 |
| Equity capital to assets | 7.9873% | 6,859 |
| Core capital (leverage) ratio | 9.5055% | 4,009 |
| Tier 1 risk-based capital ratio | 9.8226% | 6,933 |
| Total risk-based capital ratio | 11.0750% | 6,816 |
| Memoranda: | ||
| Average total assets | $141,472,000 | 4,054 |
| Average earning assets | $137,337,800 | 3,906 |
| Average equity | $13,551,200 | 4,437 |
| Average total loans | $111,630,200 | 3,644 |