Home > Washita State Bank > Performance and Condition Ratios
Washita State Bank, Performance and Condition Ratios
| 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 | 7.0773% | 210 |
| Cost of funding earning assets | 2.3158% | 530 |
| Net interest margin | 4.7615% | 437 |
| Noninterest income to average assets | 3.0800% | 179 |
| Noninterest expense to average assets | 2.8291% | 1,431 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 4.5939% | 82 |
| Return on assets (ROA) | 4.5939% | 84 |
| Pretax return on assets | 4.5939% | 95 |
| Return on Equity (ROE) | 28.2700% | 209 |
| Retained earnings to average equity (ytd only) | 1.5073% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.1953% | 4,418 |
| Assets per employee ($millions) | 5.6063% | 3,154 |
| Cash dividends to net income (ytd only)* | 94.6687% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,370 |
| Loan loss allowance to noncurrent loans | 220.2454% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 1,513 |
| Noncurrent loans to loans | 0.6391% | 1,231 |
| Net loans and leases to total assets | 56.0600% | 3,189 |
| Net loans and leases to deposits | 65.5620% | 3,202 |
| Net loans and leases to core deposits | 69.8686% | 3,314 |
| Total domestic deposits to total assets | 85.5100% | 2,160 |
| Equity capital to assets | 14.2497% | 638 |
| Core capital (leverage) ratio | 14.5397% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,688,400 | 4,365 |
| Average earning assets | $41,541,200 | 4,332 |
| Average equity | $7,098,800 | 4,037 |
| Average total loans | $24,502,600 | 4,226 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4904% | 263 |
| Cost of funding earning assets | 1.9978% | 494 |
| Net interest margin | 4.4926% | 611 |
| Noninterest income to average assets | 4.3600% | 137 |
| Noninterest expense to average assets | 2.6546% | 1,774 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 5.8678% | 57 |
| Return on assets (ROA) | 5.8678% | 57 |
| Pretax return on assets | 5.8678% | 76 |
| Return on Equity (ROE) | 36.3600% | 134 |
| Retained earnings to average equity (ytd only) | 36.3593% | 57 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 30.8146% | 4,539 |
| Assets per employee ($millions) | 5.3320% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,071 |
| Loan loss allowance to noncurrent loans | 182.3171% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 1,381 |
| Noncurrent loans to loans | 0.6966% | 1,074 |
| Net loans and leases to total assets | 54.4900% | 3,236 |
| Net loans and leases to deposits | 66.2581% | 3,042 |
| Net loans and leases to core deposits | 70.4342% | 3,101 |
| Total domestic deposits to total assets | 82.2400% | 3,179 |
| Equity capital to assets | 17.5825% | 359 |
| Core capital (leverage) ratio | 17.8746% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,321,000 | 4,405 |
| Average earning assets | $41,045,333 | 4,379 |
| Average equity | $6,991,333 | 4,079 |
| Average total loans | $24,175,000 | 4,263 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0571% | 297 |
| Cost of funding earning assets | 1.8510% | 407 |
| Net interest margin | 4.2060% | 940 |
| Noninterest income to average assets | 8.4200% | 98 |
| Noninterest expense to average assets | 2.5931% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 9.8045% | 43 |
| Return on assets (ROA) | 9.8045% | 44 |
| Pretax return on assets | 9.8045% | 49 |
| Return on Equity (ROE) | 63.5300% | 54 |
| Retained earnings to average equity (ytd only) | 63.5298% | 30 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 20.9165% | 4,641 |
| Assets per employee ($millions) | 6.1739% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.6900% | 3,151 |
| Net loans and leases to deposits | 65.9395% | 2,938 |
| Net loans and leases to core deposits | 70.5110% | 2,919 |
| Total domestic deposits to total assets | 82.9400% | 3,308 |
| Equity capital to assets | 16.9216% | 349 |
| Core capital (leverage) ratio | 17.2034% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,653,500 | 4,471 |
| Average earning assets | $41,274,000 | 4,442 |
| Average equity | $6,737,000 | 4,153 |
| Average total loans | $24,491,000 | 4,315 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 1,186 |
| Cost of funding earning assets | 0.7908% | 400 |
| Net interest margin | 3.4437% | 2,120 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.4295% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9800% | 2,640 |
| Return on assets (ROA) | 0.9800% | 2,588 |
| Pretax return on assets | 0.9800% | 3,131 |
| Return on Equity (ROE) | 6.9200% | 3,654 |
| Retained earnings to average equity (ytd only) | -12.6349% | 4,656 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.2556% | 1,532 |
| Assets per employee ($millions) | 7.3483% | 1,725 |
| Cash dividends to net income (ytd only)* | 282.7051% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 2,833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.4949% | 77 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.2200% | 3,007 |
| Net loans and leases to deposits | 65.4192% | 2,924 |
| Net loans and leases to core deposits | 70.0800% | 2,862 |
| Total domestic deposits to total assets | 85.9400% | 2,747 |
| Equity capital to assets | 13.9737% | 580 |
| Core capital (leverage) ratio | 14.1843% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,018,400 | 4,476 |
| Average earning assets | $43,122,000 | 4,447 |
| Average equity | $6,521,600 | 4,269 |
| Average total loans | $23,872,600 | 4,349 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 1,706 |
| Cost of funding earning assets | 0.4679% | 889 |
| Net interest margin | 3.3488% | 2,144 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.2852% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0322% | 2,351 |
| Return on assets (ROA) | 1.0322% | 2,322 |
| Pretax return on assets | 1.0322% | 2,922 |
| Return on Equity (ROE) | 7.2600% | 3,531 |
| Retained earnings to average equity (ytd only) | -18.4515% | 4,727 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8850% | 1,899 |
| Assets per employee ($millions) | 6.3091% | 2,483 |
| Cash dividends to net income (ytd only)* | 354.1667% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 2,893 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.4907% | 85 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.3600% | 2,964 |
| Net loans and leases to deposits | 64.4175% | 2,831 |
| Net loans and leases to core deposits | 68.4252% | 2,763 |
| Total domestic deposits to total assets | 85.9400% | 3,077 |
| Equity capital to assets | 13.9276% | 572 |
| Core capital (leverage) ratio | 13.8767% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,500,500 | 4,505 |
| Average earning assets | $43,597,000 | 4,479 |
| Average equity | $6,611,750 | 4,301 |
| Average total loans | $23,574,000 | 4,385 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 2,132 |
| Cost of funding earning assets | 0.4684% | 632 |
| Net interest margin | 3.0353% | 2,782 |
| Noninterest income to average assets | 0.1861% | 4,074 |
| Noninterest expense to average assets | 2.1193% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9179% | 2,504 |
| Return on assets (ROA) | 0.9179% | 2,471 |
| Pretax return on assets | 0.9179% | 3,003 |
| Return on Equity (ROE) | 6.4151% | 3,469 |
| Retained earnings to average equity (ytd only) | -23.1474% | 4,735 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7772% | 1,991 |
| Assets per employee ($millions) | 7.7075% | 1,475 |
| Cash dividends to net income (ytd only)* | 460.8295% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 92 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.6573% | 3,405 |
| Net loans and leases to deposits | 57.7115% | 3,252 |
| Net loans and leases to core deposits | 62.4395% | 3,079 |
| Total domestic deposits to total assets | 86.0439% | 3,233 |
| Equity capital to assets | 13.8242% | 545 |
| Core capital (leverage) ratio | 13.8178% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,279,333 | 4,547 |
| Average earning assets | $44,410,333 | 4,530 |
| Average equity | $6,765,333 | 4,343 |
| Average total loans | $23,189,333 | 4,448 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5371% | 1,677 |
| Cost of funding earning assets | 0.4722% | 575 |
| Net interest margin | 3.0649% | 2,280 |
| Noninterest income to average assets | 0.2092% | 3,906 |
| Noninterest expense to average assets | 1.9667% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1214% | 1,470 |
| Return on assets (ROA) | 1.1214% | 1,462 |
| Pretax return on assets | 1.1214% | 2,075 |
| Return on Equity (ROE) | 7.7106% | 2,802 |
| Retained earnings to average equity (ytd only) | -49.8310% | 4,779 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6856% | 3,068 |
| Assets per employee ($millions) | 7.9627% | 1,395 |
| Cash dividends to net income (ytd only)* | 746.2687% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 113 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.9588% | 3,822 |
| Net loans and leases to deposits | 52.9133% | 3,500 |
| Net loans and leases to core deposits | 57.3633% | 3,359 |
| Total domestic deposits to total assets | 81.1872% | 4,184 |
| Equity capital to assets | 13.4649% | 613 |
| Core capital (leverage) ratio | 13.2485% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,796,500 | 4,564 |
| Average earning assets | $44,895,500 | 4,551 |
| Average equity | $6,951,500 | 4,366 |
| Average total loans | $23,162,500 | 4,461 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 2,925 |
| Cost of funding earning assets | 0.7698% | 234 |
| Net interest margin | 2.6318% | 3,996 |
| Noninterest income to average assets | 1.6266% | 427 |
| Noninterest expense to average assets | 2.4137% | 2,447 |
| Loan and lease loss provision to assets | 0.0064% | 2,947 |
| Net operating income to assets | 1.6855% | 652 |
| Return on assets (ROA) | 1.6855% | 677 |
| Pretax return on assets | 1.6855% | 1,186 |
| Return on Equity (ROE) | 9.6590% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.0141% | 2,354 |
| Net charge-offs to loans | 0.0607% | 1,173 |
| Credit loss provision to net charge-offs | 21.0526% | 2,272 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,227 |
| Efficiency ratio | 58.7916% | 3,315 |
| Assets per employee ($millions) | 6.8310% | 2,047 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3004% | 123 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.7908% | 2,976 |
| Net loans and leases to deposits | 66.8140% | 2,426 |
| Net loans and leases to core deposits | 72.0570% | 2,253 |
| Total domestic deposits to total assets | 79.0116% | 4,316 |
| Equity capital to assets | 15.6221% | 417 |
| Core capital (leverage) ratio | 14.5603% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,890,400 | 4,415 |
| Average earning assets | $59,237,000 | 4,387 |
| Average equity | $10,974,200 | 4,040 |
| Average total loans | $31,284,200 | 4,357 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3807% | 3,158 |
| Cost of funding earning assets | 0.9041% | 141 |
| Net interest margin | 2.4767% | 4,318 |
| Noninterest income to average assets | 2.0122% | 350 |
| Noninterest expense to average assets | 2.4182% | 2,385 |
| Loan and lease loss provision to assets | 0.0075% | 2,832 |
| Net operating income to assets | 1.9202% | 537 |
| Return on assets (ROA) | 1.9202% | 557 |
| Pretax return on assets | 1.9202% | 913 |
| Return on Equity (ROE) | 10.8012% | 2,439 |
| Retained earnings to average equity (ytd only) | 6.3007% | 2,697 |
| Net charge-offs to loans | 0.0774% | 893 |
| Credit loss provision to net charge-offs | 21.0526% | 1,986 |
| Earnings coverage of net charge-offs (x) | 50.7368% | 1,235 |
| Efficiency ratio | 55.6374% | 3,574 |
| Assets per employee ($millions) | 6.7381% | 2,062 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 176 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.8944% | 2,509 |
| Net loans and leases to deposits | 81.7670% | 1,129 |
| Net loans and leases to core deposits | 88.1010% | 1,145 |
| Total domestic deposits to total assets | 70.8042% | 4,714 |
| Equity capital to assets | 23.0851% | 119 |
| Core capital (leverage) ratio | 21.7962% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,658,750 | 4,431 |
| Average earning assets | $62,824,750 | 4,409 |
| Average equity | $11,850,250 | 3,999 |
| Average total loans | $32,724,750 | 4,379 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 3,406 |
| Cost of funding earning assets | 1.0291% | 94 |
| Net interest margin | 2.2777% | 4,538 |
| Noninterest income to average assets | 0.1128% | 4,637 |
| Noninterest expense to average assets | 2.4002% | 2,463 |
| Loan and lease loss provision to assets | 0.0113% | 2,714 |
| Net operating income to assets | -0.1326% | 4,814 |
| Return on assets (ROA) | -0.1326% | 4,820 |
| Pretax return on assets | -0.1326% | 4,815 |
| Return on Equity (ROE) | -0.8067% | 4,813 |
| Retained earnings to average equity (ytd only) | -7.6723% | 4,838 |
| Net charge-offs to loans | -0.0181% | 3,948 |
| Credit loss provision to net charge-offs | -133.3333% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3218% | 123 |
| Assets per employee ($millions) | 6.6190% | 2,082 |
| Cash dividends to net income (ytd only)* | -851.0638% | 4,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,902 |
| Loan loss allowance to noncurrent loans | 30,100.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 1.8482% | 245 |
| Noncurrent loans to loans | 0.0032% | 4,248 |
| Net loans and leases to total assets | 51.2380% | 3,426 |
| Net loans and leases to deposits | 67.0423% | 2,712 |
| Net loans and leases to core deposits | 73.0425% | 2,516 |
| Total domestic deposits to total assets | 76.4264% | 4,537 |
| Equity capital to assets | 19.2392% | 217 |
| Core capital (leverage) ratio | 17.1383% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,910,000 | 4,413 |
| Average earning assets | $67,437,000 | 4,375 |
| Average equity | $11,652,333 | 4,031 |
| Average total loans | $33,137,333 | 4,408 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2638% | 3,537 |
| Cost of funding earning assets | 0.7679% | 414 |
| Net interest margin | 2.4958% | 4,303 |
| Noninterest income to average assets | 0.1045% | 4,663 |
| Noninterest expense to average assets | 1.5774% | 4,568 |
| Loan and lease loss provision to assets | 0.0104% | 2,637 |
| Net operating income to assets | 0.8932% | 3,140 |
| Return on assets (ROA) | 0.8932% | 3,224 |
| Pretax return on assets | 0.8932% | 3,617 |
| Return on Equity (ROE) | 5.8223% | 3,908 |
| Retained earnings to average equity (ytd only) | -7.7971% | 4,770 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5789% | 2,522 |
| Assets per employee ($millions) | 8.4208% | 1,018 |
| Cash dividends to net income (ytd only)* | 233.9181% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,129 |
| Loan loss allowance to noncurrent loans | 26.8847% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 455 |
| Noncurrent loans to loans | 3.3809% | 210 |
| Net loans and leases to total assets | 42.5785% | 4,195 |
| Net loans and leases to deposits | 69.3182% | 2,569 |
| Net loans and leases to core deposits | 77.1690% | 2,246 |
| Total domestic deposits to total assets | 61.4248% | 4,877 |
| Equity capital to assets | 15.3760% | 455 |
| Core capital (leverage) ratio | 14.7041% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,579,500 | 4,358 |
| Average earning assets | $72,922,000 | 4,316 |
| Average equity | $11,748,000 | 4,023 |
| Average total loans | $34,294,000 | 4,411 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 3,978 |
| Cost of funding earning assets | 1.3806% | 136 |
| Net interest margin | 2.1432% | 4,788 |
| Noninterest income to average assets | 0.0805% | 4,796 |
| Noninterest expense to average assets | 1.4262% | 4,821 |
| Loan and lease loss provision to assets | 0.0680% | 3,528 |
| Net operating income to assets | 0.6383% | 3,631 |
| Return on assets (ROA) | 1.5010% | 884 |
| Pretax return on assets | 1.5010% | 1,326 |
| Return on Equity (ROE) | 11.3961% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.0064% | 1,396 |
| Net charge-offs to loans | 0.0027% | 3,286 |
| Credit loss provision to net charge-offs | 6,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 187 |
| Efficiency ratio | 66.8793% | 2,377 |
| Assets per employee ($millions) | 8.5969% | 867 |
| Cash dividends to net income (ytd only)* | 38.5196% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,391 |
| Loan loss allowance to noncurrent loans | 26.7273% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 533 |
| Noncurrent loans to loans | 3.0536% | 277 |
| Net loans and leases to total assets | 46.1782% | 4,114 |
| Net loans and leases to deposits | 74.5659% | 2,428 |
| Net loans and leases to core deposits | 83.8060% | 2,051 |
| Total domestic deposits to total assets | 61.9294% | 4,898 |
| Equity capital to assets | 15.3066% | 518 |
| Core capital (leverage) ratio | 12.6079% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,207,000 | 4,137 |
| Average earning assets | $84,453,400 | 4,093 |
| Average equity | $11,618,000 | 4,015 |
| Average total loans | $36,471,800 | 4,382 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 4,119 |
| Cost of funding earning assets | 1.3556% | 188 |
| Net interest margin | 2.1987% | 4,821 |
| Noninterest income to average assets | 0.0748% | 4,837 |
| Noninterest expense to average assets | 1.3756% | 4,873 |
| Loan and lease loss provision to assets | 0.0660% | 3,513 |
| Net operating income to assets | 0.7406% | 3,318 |
| Return on assets (ROA) | 1.3551% | 1,320 |
| Pretax return on assets | 1.3551% | 1,866 |
| Return on Equity (ROE) | 10.6556% | 1,798 |
| Retained earnings to average equity (ytd only) | 7.1960% | 1,618 |
| Net charge-offs to loans | -0.0073% | 4,152 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0376% | 2,910 |
| Assets per employee ($millions) | 10.1749% | 482 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,395 |
| Loan loss allowance to noncurrent loans | 25.6364% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 835 |
| Noncurrent loans to loans | 3.0585% | 299 |
| Net loans and leases to total assets | 38.9663% | 4,594 |
| Net loans and leases to deposits | 75.4749% | 2,798 |
| Net loans and leases to core deposits | 84.9615% | 2,383 |
| Total domestic deposits to total assets | 51.6282% | 4,972 |
| Equity capital to assets | 12.9840% | 1,190 |
| Core capital (leverage) ratio | 12.2660% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,915,750 | 4,117 |
| Average earning assets | $87,140,500 | 4,067 |
| Average equity | $11,561,750 | 4,027 |
| Average total loans | $36,584,000 | 4,405 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 3,960 |
| Cost of funding earning assets | 1.5276% | 152 |
| Net interest margin | 2.2362% | 4,862 |
| Noninterest income to average assets | 0.0662% | 4,876 |
| Noninterest expense to average assets | 1.4356% | 4,884 |
| Loan and lease loss provision to assets | 0.0662% | 3,467 |
| Net operating income to assets | 0.7079% | 3,370 |
| Return on assets (ROA) | 1.6318% | 778 |
| Pretax return on assets | 1.6318% | 1,152 |
| Return on Equity (ROE) | 12.9231% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.9231% | 365 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9701% | 2,664 |
| Assets per employee ($millions) | 10.4787% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 4,631 |
| Loan loss allowance to noncurrent loans | 24.0909% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 946 |
| Noncurrent loans to loans | 2.7848% | 382 |
| Net loans and leases to total assets | 41.6030% | 4,542 |
| Net loans and leases to deposits | 83.2184% | 2,076 |
| Net loans and leases to core deposits | 94.3058% | 1,713 |
| Total domestic deposits to total assets | 49.9926% | 5,006 |
| Equity capital to assets | 12.4475% | 1,404 |
| Core capital (leverage) ratio | 12.4085% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,696,333 | 4,120 |
| Average earning assets | $86,934,333 | 4,064 |
| Average equity | $11,452,333 | 4,054 |
| Average total loans | $36,790,333 | 4,411 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,285 |
| Cost of funding earning assets | 1.7924% | 88 |
| Net interest margin | 1.9660% | 5,020 |
| Noninterest income to average assets | 0.0810% | 4,890 |
| Noninterest expense to average assets | 1.4490% | 4,945 |
| Loan and lease loss provision to assets | 0.0675% | 2,915 |
| Net operating income to assets | 0.4500% | 4,016 |
| Return on assets (ROA) | 0.4500% | 4,065 |
| Pretax return on assets | 0.4500% | 4,207 |
| Return on Equity (ROE) | 3.5370% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.5370% | 2,875 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 1,860 |
| Assets per employee ($millions) | 9.8193% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 4,619 |
| Loan loss allowance to noncurrent loans | 22.7273% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 975 |
| Noncurrent loans to loans | 3.0478% | 349 |
| Net loans and leases to total assets | 40.5572% | 4,645 |
| Net loans and leases to deposits | 76.9819% | 2,982 |
| Net loans and leases to core deposits | 88.5491% | 2,480 |
| Total domestic deposits to total assets | 52.6840% | 5,062 |
| Equity capital to assets | 13.2245% | 1,327 |
| Core capital (leverage) ratio | 12.2202% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,890,500 | 4,138 |
| Average earning assets | $85,248,000 | 4,089 |
| Average equity | $11,309,000 | 4,091 |
| Average total loans | $35,435,500 | 4,466 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 4,324 |
| Cost of funding earning assets | 2.1784% | 26 |
| Net interest margin | 1.7922% | 5,112 |
| Noninterest income to average assets | 0.0592% | 5,014 |
| Noninterest expense to average assets | 1.2006% | 5,095 |
| Loan and lease loss provision to assets | 0.7962% | 131 |
| Net operating income to assets | -0.2095% | 5,021 |
| Return on assets (ROA) | -0.2095% | 5,030 |
| Pretax return on assets | -0.2095% | 5,021 |
| Return on Equity (ROE) | -1.6264% | 5,030 |
| Retained earnings to average equity (ytd only) | -5.0146% | 4,984 |
| Net charge-offs to loans | 3.0612% | 35 |
| Credit loss provision to net charge-offs | 70.7149% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.5211% | 3,608 |
| Efficiency ratio | 67.1731% | 2,589 |
| Assets per employee ($millions) | 8.1279% | 679 |
| Cash dividends to net income (ytd only)* | -208.3333% | 5,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 4,616 |
| Loan loss allowance to noncurrent loans | 21.3636% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 938 |
| Noncurrent loans to loans | 3.1628% | 282 |
| Net loans and leases to total assets | 38.6368% | 4,783 |
| Net loans and leases to deposits | 71.4546% | 3,552 |
| Net loans and leases to core deposits | 81.7029% | 3,155 |
| Total domestic deposits to total assets | 54.0718% | 5,114 |
| Equity capital to assets | 12.2261% | 1,996 |
| Core capital (leverage) ratio | 11.0311% | 2,478 |
| Tier 1 risk-based capital ratio | 23.3459% | 882 |
| Total risk-based capital ratio | 23.8575% | 938 |
| Memoranda: | ||
| Average total assets | $103,117,800 | 3,950 |
| Average earning assets | $99,430,200 | 3,882 |
| Average equity | $13,281,200 | 3,860 |
| Average total loans | $37,926,600 | 4,454 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 4,513 |
| Cost of funding earning assets | 2.2284% | 21 |
| Net interest margin | 1.6865% | 5,212 |
| Noninterest income to average assets | 0.0513% | 5,111 |
| Noninterest expense to average assets | 1.1488% | 5,181 |
| Loan and lease loss provision to assets | 1.0261% | 89 |
| Net operating income to assets | -0.4956% | 5,136 |
| Return on assets (ROA) | -0.4956% | 5,144 |
| Pretax return on assets | -0.4956% | 5,138 |
| Return on Equity (ROE) | -3.8070% | 5,143 |
| Retained earnings to average equity (ytd only) | -8.1332% | 5,126 |
| Net charge-offs to loans | 3.9985% | 26 |
| Credit loss provision to net charge-offs | 70.6288% | 2,609 |
| Earnings coverage of net charge-offs (x) | 0.3652% | 3,363 |
| Efficiency ratio | 68.4054% | 2,359 |
| Assets per employee ($millions) | 9.6526% | 389 |
| Cash dividends to net income (ytd only)* | -113.6366% | 5,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,762 |
| Loan loss allowance to noncurrent loans | 21.2727% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 1,289 |
| Noncurrent loans to loans | 2.9748% | 334 |
| Net loans and leases to total assets | 34.6048% | 4,977 |
| Net loans and leases to deposits | 59.1360% | 4,421 |
| Net loans and leases to core deposits | 66.1857% | 4,266 |
| Total domestic deposits to total assets | 58.5172% | 5,172 |
| Equity capital to assets | 13.0920% | 1,570 |
| Core capital (leverage) ratio | 12.7385% | 1,468 |
| Tier 1 risk-based capital ratio | 26.7140% | 665 |
| Total risk-based capital ratio | 27.1755% | 696 |
| Memoranda: | ||
| Average total assets | $106,545,500 | 3,927 |
| Average earning assets | $102,851,500 | 3,862 |
| Average equity | $13,868,750 | 3,803 |
| Average total loans | $38,713,500 | 4,488 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 4,352 |
| Cost of funding earning assets | 2.2747% | 16 |
| Net interest margin | 1.7385% | 5,264 |
| Noninterest income to average assets | 0.0525% | 5,157 |
| Noninterest expense to average assets | 1.1400% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5906% | 4,333 |
| Return on assets (ROA) | 0.5906% | 4,371 |
| Pretax return on assets | 0.5906% | 4,563 |
| Return on Equity (ROE) | 4.5461% | 4,454 |
| Retained earnings to average equity (ytd only) | -1.9483% | 4,902 |
| Net charge-offs to loans | -0.0051% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8722% | 2,821 |
| Assets per employee ($millions) | 10.6081% | 293 |
| Cash dividends to net income (ytd only)* | 142.8571% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,154 |
| Loan loss allowance to noncurrent loans | 25.4642% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.1323% | 412 |
| Noncurrent loans to loans | 6.0561% | 66 |
| Net loans and leases to total assets | 34.6669% | 5,013 |
| Net loans and leases to deposits | 59.7725% | 4,439 |
| Net loans and leases to core deposits | 66.0838% | 4,315 |
| Total domestic deposits to total assets | 57.9981% | 5,223 |
| Equity capital to assets | 13.5877% | 1,288 |
| Core capital (leverage) ratio | 13.3069% | 1,186 |
| Tier 1 risk-based capital ratio | 26.8255% | 636 |
| Total risk-based capital ratio | 27.9095% | 637 |
| Memoranda: | ||
| Average total assets | $106,667,670 | 3,945 |
| Average earning assets | $102,960,330 | 3,886 |
| Average equity | $13,858,000 | 3,806 |
| Average total loans | $39,292,330 | 4,513 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 4,026 |
| Cost of funding earning assets | 2.2589% | 16 |
| Net interest margin | 1.8831% | 5,324 |
| Noninterest income to average assets | 0.0561% | 5,195 |
| Noninterest expense to average assets | 1.0733% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8003% | 3,619 |
| Return on assets (ROA) | 0.8003% | 3,663 |
| Pretax return on assets | 0.8003% | 4,044 |
| Return on Equity (ROE) | 6.3034% | 3,915 |
| Retained earnings to average equity (ytd only) | -1.0604% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2854% | 4,171 |
| Assets per employee ($millions) | 10.7793% | 269 |
| Cash dividends to net income (ytd only)* | 116.8224% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,443 |
| Loan loss allowance to noncurrent loans | 24.6675% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 415 |
| Noncurrent loans to loans | 5.9502% | 76 |
| Net loans and leases to total assets | 35.8094% | 5,023 |
| Net loans and leases to deposits | 60.5880% | 4,383 |
| Net loans and leases to core deposits | 68.2509% | 4,167 |
| Total domestic deposits to total assets | 59.1031% | 5,285 |
| Equity capital to assets | 12.9220% | 1,501 |
| Core capital (leverage) ratio | 13.3315% | 1,139 |
| Tier 1 risk-based capital ratio | 26.0160% | 686 |
| Total risk-based capital ratio | 27.0582% | 684 |
| Memoranda: | ||
| Average total assets | $106,961,000 | 3,985 |
| Average earning assets | $103,235,000 | 3,920 |
| Average equity | $13,580,000 | 3,857 |
| Average total loans | $40,263,000 | 4,531 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,394 |
| Cost of funding earning assets | 1.8134% | 25 |
| Net interest margin | 2.0358% | 5,332 |
| Noninterest income to average assets | 0.1278% | 5,050 |
| Noninterest expense to average assets | 1.1002% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9942% | 3,034 |
| Return on assets (ROA) | 1.0105% | 2,944 |
| Pretax return on assets | 1.0105% | 3,562 |
| Return on Equity (ROE) | 8.3819% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.4274% | 1,961 |
| Net charge-offs to loans | 0.0134% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 219.4000% | 421 |
| Efficiency ratio | 52.5314% | 4,753 |
| Assets per employee ($millions) | 10.6129% | 288 |
| Cash dividends to net income (ytd only)* | 23.3184% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,678 |
| Loan loss allowance to noncurrent loans | 23.7407% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.2821% | 367 |
| Noncurrent loans to loans | 5.8572% | 79 |
| Net loans and leases to total assets | 38.4212% | 5,000 |
| Net loans and leases to deposits | 64.9920% | 4,188 |
| Net loans and leases to core deposits | 73.0151% | 3,921 |
| Total domestic deposits to total assets | 59.1167% | 5,327 |
| Equity capital to assets | 12.4669% | 1,593 |
| Core capital (leverage) ratio | 13.1251% | 1,198 |
| Tier 1 risk-based capital ratio | 28.0690% | 558 |
| Total risk-based capital ratio | 29.1906% | 556 |
| Memoranda: | ||
| Average total assets | $110,343,800 | 3,941 |
| Average earning assets | $106,592,600 | 3,865 |
| Average equity | $13,302,400 | 3,842 |
| Average total loans | $37,324,200 | 4,627 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,475 |
| Cost of funding earning assets | 1.7003% | 31 |
| Net interest margin | 2.0818% | 5,398 |
| Noninterest income to average assets | 0.0862% | 5,256 |
| Noninterest expense to average assets | 1.0868% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0114% | 3,034 |
| Return on assets (ROA) | 1.0329% | 2,961 |
| Pretax return on assets | 1.0329% | 3,626 |
| Return on Equity (ROE) | 8.6383% | 3,272 |
| Retained earnings to average equity (ytd only) | 8.6383% | 1,363 |
| Net charge-offs to loans | 0.0220% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 140.8300% | 576 |
| Efficiency ratio | 51.7969% | 4,828 |
| Assets per employee ($millions) | 11.7777% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,064 |
| Loan loss allowance to noncurrent loans | 22.2308% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4359% | 366 |
| Noncurrent loans to loans | 7.2353% | 55 |
| Net loans and leases to total assets | 33.1248% | 5,219 |
| Net loans and leases to deposits | 55.7360% | 4,763 |
| Net loans and leases to core deposits | 63.1602% | 4,565 |
| Total domestic deposits to total assets | 59.4317% | 5,398 |
| Equity capital to assets | 12.0794% | 1,852 |
| Core capital (leverage) ratio | 13.4514% | 1,121 |
| Tier 1 risk-based capital ratio | 27.2407% | 613 |
| Total risk-based capital ratio | 28.3268% | 613 |
| Memoranda: | ||
| Average total assets | $111,397,500 | 3,958 |
| Average earning assets | $107,661,500 | 3,882 |
| Average equity | $13,320,250 | 3,873 |
| Average total loans | $36,317,500 | 4,696 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 4,529 |
| Cost of funding earning assets | 1.6575% | 23 |
| Net interest margin | 2.0650% | 5,463 |
| Noninterest income to average assets | 0.0813% | 5,319 |
| Noninterest expense to average assets | 1.0654% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0124% | 2,964 |
| Return on assets (ROA) | 1.0442% | 2,828 |
| Pretax return on assets | 1.0442% | 3,530 |
| Return on Equity (ROE) | 8.7605% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.7605% | 1,298 |
| Net charge-offs to loans | 0.0438% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 71.6250% | 895 |
| Efficiency ratio | 51.2755% | 4,947 |
| Assets per employee ($millions) | 10.8084% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,511 |
| Loan loss allowance to noncurrent loans | 21.6503% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.4444% | 362 |
| Noncurrent loans to loans | 6.7574% | 66 |
| Net loans and leases to total assets | 35.6445% | 5,193 |
| Net loans and leases to deposits | 59.4757% | 4,558 |
| Net loans and leases to core deposits | 67.1395% | 4,304 |
| Total domestic deposits to total assets | 59.9312% | 5,452 |
| Equity capital to assets | 12.1424% | 1,748 |
| Core capital (leverage) ratio | 12.8524% | 1,297 |
| Tier 1 risk-based capital ratio | 25.1650% | 716 |
| Total risk-based capital ratio | 26.1663% | 723 |
| Memoranda: | ||
| Average total assets | $113,197,000 | 3,968 |
| Average earning assets | $109,441,000 | 3,883 |
| Average equity | $13,492,330 | 3,869 |
| Average total loans | $36,528,000 | 4,736 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,345 |
| Cost of funding earning assets | 1.5928% | 25 |
| Net interest margin | 2.1606% | 5,515 |
| Noninterest income to average assets | 0.0795% | 5,396 |
| Noninterest expense to average assets | 1.0920% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0782% | 2,532 |
| Return on assets (ROA) | 1.1404% | 2,272 |
| Pretax return on assets | 1.1404% | 3,002 |
| Return on Equity (ROE) | 9.6516% | 2,608 |
| Retained earnings to average equity (ytd only) | 9.6516% | 1,270 |
| Net charge-offs to loans | -0.0113% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3185% | 5,066 |
| Assets per employee ($millions) | 12.4998% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 968 |
| Loan loss allowance to noncurrent loans | 20.6468% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.5014% | 373 |
| Noncurrent loans to loans | 8.1790% | 47 |
| Net loans and leases to total assets | 30.0663% | 5,364 |
| Net loans and leases to deposits | 49.2874% | 4,988 |
| Net loans and leases to core deposits | 56.6652% | 4,815 |
| Total domestic deposits to total assets | 61.0020% | 5,513 |
| Equity capital to assets | 12.1575% | 1,681 |
| Core capital (leverage) ratio | 12.0099% | 1,645 |
| Tier 1 risk-based capital ratio | 26.7253% | 626 |
| Total risk-based capital ratio | 27.8025% | 634 |
| Memoranda: | ||
| Average total assets | $115,753,500 | 3,968 |
| Average earning assets | $112,006,500 | 3,886 |
| Average equity | $13,676,500 | 3,879 |
| Average total loans | $35,243,000 | 4,823 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 4,865 |
| Cost of funding earning assets | 1.3049% | 50 |
| Net interest margin | 2.1439% | 5,549 |
| Noninterest income to average assets | 0.1116% | 5,364 |
| Noninterest expense to average assets | 0.9928% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1897% | 1,552 |
| Return on assets (ROA) | 1.2340% | 1,433 |
| Pretax return on assets | 1.2340% | 2,618 |
| Return on Equity (ROE) | 9.0576% | 2,290 |
| Retained earnings to average equity (ytd only) | -8.4133% | 5,508 |
| Net charge-offs to loans | -0.1921% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4900% | 5,409 |
| Assets per employee ($millions) | 13.3947% | 139 |
| Cash dividends to net income (ytd only)* | 192.8867% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7410% | 187 |
| Loan loss allowance to noncurrent loans | 740.4255% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,548 |
| Noncurrent loans to loans | 0.3702% | 3,434 |
| Net loans and leases to total assets | 30.7286% | 5,424 |
| Net loans and leases to deposits | 56.8517% | 4,754 |
| Net loans and leases to core deposits | 62.5447% | 4,629 |
| Total domestic deposits to total assets | 54.0505% | 5,613 |
| Equity capital to assets | 12.6244% | 1,444 |
| Core capital (leverage) ratio | 13.0857% | 1,116 |
| Tier 1 risk-based capital ratio | 27.5307% | 568 |
| Total risk-based capital ratio | 28.7869% | 558 |
| Memoranda: | ||
| Average total assets | $117,341,400 | 3,938 |
| Average earning assets | $113,345,800 | 3,854 |
| Average equity | $15,986,600 | 3,595 |
| Average total loans | $33,844,400 | 4,903 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 4,940 |
| Cost of funding earning assets | 1.2640% | 54 |
| Net interest margin | 2.1549% | 5,613 |
| Noninterest income to average assets | 0.1247% | 5,382 |
| Noninterest expense to average assets | 0.9873% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2184% | 1,617 |
| Return on assets (ROA) | 1.2779% | 1,437 |
| Pretax return on assets | 1.2779% | 2,598 |
| Return on Equity (ROE) | 9.2054% | 2,494 |
| Retained earnings to average equity (ytd only) | -10.2685% | 5,609 |
| Net charge-offs to loans | -0.2603% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7614% | 5,460 |
| Assets per employee ($millions) | 13.2382% | 136 |
| Cash dividends to net income (ytd only)* | 211.5484% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8884% | 177 |
| Loan loss allowance to noncurrent loans | 714.3836% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,630 |
| Noncurrent loans to loans | 0.4043% | 3,492 |
| Net loans and leases to total assets | 29.4325% | 5,512 |
| Net loans and leases to deposits | 55.4875% | 4,895 |
| Net loans and leases to core deposits | 62.6510% | 4,670 |
| Total domestic deposits to total assets | 53.0434% | 5,683 |
| Equity capital to assets | 13.1975% | 1,295 |
| Core capital (leverage) ratio | 13.3366% | 1,086 |
| Tier 1 risk-based capital ratio | 27.4690% | 594 |
| Total risk-based capital ratio | 28.7249% | 586 |
| Memoranda: | ||
| Average total assets | $116,538,750 | 3,988 |
| Average earning assets | $112,548,500 | 3,912 |
| Average equity | $16,178,500 | 3,606 |
| Average total loans | $32,783,500 | 4,980 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 5,040 |
| Cost of funding earning assets | 1.2214% | 57 |
| Net interest margin | 2.1204% | 5,667 |
| Noninterest income to average assets | 0.1573% | 5,266 |
| Noninterest expense to average assets | 1.0167% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1879% | 1,635 |
| Return on assets (ROA) | 1.1879% | 1,669 |
| Pretax return on assets | 1.1879% | 2,812 |
| Return on Equity (ROE) | 8.4140% | 2,820 |
| Retained earnings to average equity (ytd only) | -3.4905% | 5,466 |
| Net charge-offs to loans | -0.4041% | 5,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1176% | 5,457 |
| Assets per employee ($millions) | 13.0734% | 134 |
| Cash dividends to net income (ytd only)* | 141.4847% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8738% | 181 |
| Loan loss allowance to noncurrent loans | 677.2727% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 4,661 |
| Noncurrent loans to loans | 0.4243% | 3,498 |
| Net loans and leases to total assets | 29.9598% | 5,546 |
| Net loans and leases to deposits | 57.8369% | 4,757 |
| Net loans and leases to core deposits | 65.3026% | 4,519 |
| Total domestic deposits to total assets | 51.8005% | 5,733 |
| Equity capital to assets | 14.0539% | 945 |
| Core capital (leverage) ratio | 13.8789% | 892 |
| Tier 1 risk-based capital ratio | 28.4329% | 526 |
| Total risk-based capital ratio | 29.6887% | 512 |
| Memoranda: | ||
| Average total assets | $115,670,330 | 4,030 |
| Average earning assets | $111,676,330 | 3,949 |
| Average equity | $16,330,000 | 3,599 |
| Average total loans | $31,674,670 | 5,059 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2135% | 5,226 |
| Cost of funding earning assets | 1.1567% | 69 |
| Net interest margin | 2.0568% | 5,748 |
| Noninterest income to average assets | 0.0942% | 5,612 |
| Noninterest expense to average assets | 1.0464% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0325% | 2,157 |
| Return on assets (ROA) | 1.0325% | 2,206 |
| Pretax return on assets | 1.0325% | 3,227 |
| Return on Equity (ROE) | 7.2965% | 3,269 |
| Retained earnings to average equity (ytd only) | -9.3671% | 5,563 |
| Net charge-offs to loans | -0.8582% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3356% | 5,359 |
| Assets per employee ($millions) | 12.6176% | 154 |
| Cash dividends to net income (ytd only)* | 228.3784% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7596% | 95 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 23.4893% | 5,704 |
| Net loans and leases to deposits | 46.7768% | 5,275 |
| Net loans and leases to core deposits | 54.3082% | 5,048 |
| Total domestic deposits to total assets | 50.2157% | 5,802 |
| Equity capital to assets | 14.4103% | 785 |
| Core capital (leverage) ratio | 14.4391% | 730 |
| Tier 1 risk-based capital ratio | 35.9352% | 302 |
| Total risk-based capital ratio | 37.1957% | 296 |
| Memoranda: | ||
| Average total assets | $114,675,000 | 4,085 |
| Average earning assets | $110,657,500 | 4,003 |
| Average equity | $16,227,000 | 3,635 |
| Average total loans | $29,365,000 | 5,179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,589 |
| Cost of funding earning assets | 1.4262% | 22 |
| Net interest margin | 2.1441% | 5,775 |
| Noninterest income to average assets | 0.0824% | 5,689 |
| Noninterest expense to average assets | 0.9606% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2053% | 1,491 |
| Return on assets (ROA) | 1.2489% | 1,441 |
| Pretax return on assets | 1.2489% | 2,477 |
| Return on Equity (ROE) | 9.7068% | 2,101 |
| Retained earnings to average equity (ytd only) | 4.1301% | 2,965 |
| Net charge-offs to loans | 0.0158% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 253.6667% | 283 |
| Efficiency ratio | 44.3510% | 5,684 |
| Assets per employee ($millions) | 12.8658% | 137 |
| Cash dividends to net income (ytd only)* | 57.4509% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1566% | 148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 25.9388% | 5,731 |
| Net loans and leases to deposits | 50.3765% | 5,194 |
| Net loans and leases to core deposits | 60.4144% | 4,843 |
| Total domestic deposits to total assets | 51.4897% | 5,860 |
| Equity capital to assets | 13.8956% | 922 |
| Core capital (leverage) ratio | 14.1562% | 778 |
| Tier 1 risk-based capital ratio | 33.8371% | 352 |
| Total risk-based capital ratio | 35.0951% | 344 |
| Memoranda: | ||
| Average total assets | $126,274,400 | 3,890 |
| Average earning assets | $122,706,800 | 3,781 |
| Average equity | $16,246,400 | 3,659 |
| Average total loans | $38,079,400 | 4,941 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 4,507 |
| Cost of funding earning assets | 1.5050% | 16 |
| Net interest margin | 2.1098% | 5,848 |
| Noninterest income to average assets | 0.0765% | 5,773 |
| Noninterest expense to average assets | 0.9651% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1647% | 1,752 |
| Return on assets (ROA) | 1.2216% | 1,656 |
| Pretax return on assets | 1.2216% | 2,746 |
| Return on Equity (ROE) | 9.6689% | 2,197 |
| Retained earnings to average equity (ytd only) | 2.2515% | 4,569 |
| Net charge-offs to loans | 0.0201% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 187.6625% | 390 |
| Efficiency ratio | 45.3133% | 5,698 |
| Assets per employee ($millions) | 13.6838% | 106 |
| Cash dividends to net income (ytd only)* | 76.7145% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5935% | 297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 29.8561% | 5,716 |
| Net loans and leases to deposits | 55.5213% | 5,023 |
| Net loans and leases to core deposits | 66.6371% | 4,563 |
| Total domestic deposits to total assets | 53.7741% | 5,920 |
| Equity capital to assets | 13.6488% | 1,179 |
| Core capital (leverage) ratio | 13.3104% | 1,066 |
| Tier 1 risk-based capital ratio | 28.9704% | 528 |
| Total risk-based capital ratio | 30.2251% | 520 |
| Memoranda: | ||
| Average total assets | $128,895,000 | 3,874 |
| Average earning assets | $125,442,500 | 3,744 |
| Average equity | $16,285,500 | 3,687 |
| Average total loans | $39,845,750 | 4,927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,198 |
| Cost of funding earning assets | 1.6049% | 10 |
| Net interest margin | 2.1222% | 5,924 |
| Noninterest income to average assets | 0.0673% | 5,865 |
| Noninterest expense to average assets | 1.0198% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1177% | 1,898 |
| Return on assets (ROA) | 1.1146% | 2,025 |
| Pretax return on assets | 1.1146% | 3,140 |
| Return on Equity (ROE) | 9.0497% | 2,479 |
| Retained earnings to average equity (ytd only) | 1.5269% | 4,768 |
| Net charge-offs to loans | 0.0296% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 121.8333% | 482 |
| Efficiency ratio | 47.7110% | 5,682 |
| Assets per employee ($millions) | 13.8449% | 98 |
| Cash dividends to net income (ytd only)* | 83.1276% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4681% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 31.0480% | 5,761 |
| Net loans and leases to deposits | 57.1253% | 4,945 |
| Net loans and leases to core deposits | 68.2599% | 4,454 |
| Total domestic deposits to total assets | 54.3506% | 5,999 |
| Equity capital to assets | 13.4169% | 1,276 |
| Core capital (leverage) ratio | 12.1585% | 1,533 |
| Tier 1 risk-based capital ratio | 27.5233% | 617 |
| Total risk-based capital ratio | 28.7768% | 606 |
| Memoranda: | ||
| Average total assets | $130,808,670 | 3,862 |
| Average earning assets | $127,606,000 | 3,730 |
| Average equity | $16,111,000 | 3,715 |
| Average total loans | $40,545,000 | 4,955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,529 |
| Cost of funding earning assets | 1.5454% | 13 |
| Net interest margin | 2.0870% | 5,998 |
| Noninterest income to average assets | 0.0836% | 5,876 |
| Noninterest expense to average assets | 1.0395% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0813% | 1,982 |
| Return on assets (ROA) | 1.0694% | 2,133 |
| Pretax return on assets | 1.0694% | 3,206 |
| Return on Equity (ROE) | 9.0590% | 2,401 |
| Retained earnings to average equity (ytd only) | 2.7835% | 4,121 |
| Net charge-offs to loans | 0.0683% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 868 |
| Efficiency ratio | 49.0141% | 5,678 |
| Assets per employee ($millions) | 15.1852% | 83 |
| Cash dividends to net income (ytd only)* | 69.2737% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,544 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 28.5892% | 5,861 |
| Net loans and leases to deposits | 49.1602% | 5,380 |
| Net loans and leases to core deposits | 58.8088% | 5,006 |
| Total domestic deposits to total assets | 58.1552% | 6,049 |
| Equity capital to assets | 12.1441% | 1,925 |
| Core capital (leverage) ratio | 13.2258% | 1,072 |
| Tier 1 risk-based capital ratio | 26.2958% | 718 |
| Total risk-based capital ratio | 27.5487% | 699 |
| Memoranda: | ||
| Average total assets | $133,911,000 | 3,835 |
| Average earning assets | $130,713,000 | 3,703 |
| Average equity | $15,807,500 | 3,760 |
| Average total loans | $40,984,500 | 4,975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 5,340 |
| Cost of funding earning assets | 1.6799% | 10 |
| Net interest margin | 1.6256% | 6,101 |
| Noninterest income to average assets | 0.0562% | 5,989 |
| Noninterest expense to average assets | 1.0511% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5942% | 4,296 |
| Return on assets (ROA) | 0.5942% | 4,400 |
| Pretax return on assets | 0.5942% | 4,855 |
| Return on Equity (ROE) | 4.8598% | 4,573 |
| Retained earnings to average equity (ytd only) | 1.2836% | 4,987 |
| Net charge-offs to loans | 0.1324% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.1207% | 2,398 |
| Efficiency ratio | 63.8823% | 4,297 |
| Assets per employee ($millions) | 14.5728% | 89 |
| Cash dividends to net income (ytd only)* | 73.5874% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3522% | 482 |
| Loan loss allowance to noncurrent loans | 2,347.6190% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,562 |
| Noncurrent loans to loans | 0.1002% | 5,101 |
| Net loans and leases to total assets | 31.2096% | 5,857 |
| Net loans and leases to deposits | 52.6226% | 5,251 |
| Net loans and leases to core deposits | 64.7101% | 4,691 |
| Total domestic deposits to total assets | 59.3085% | 6,097 |
| Equity capital to assets | 11.4506% | 2,399 |
| Core capital (leverage) ratio | 12.6222% | 1,297 |
| Tier 1 risk-based capital ratio | 27.1615% | 652 |
| Total risk-based capital ratio | 28.4162% | 639 |
| Memoranda: | ||
| Average total assets | $128,060,800 | 3,931 |
| Average earning assets | $125,183,800 | 3,785 |
| Average equity | $15,659,200 | 3,737 |
| Average total loans | $43,797,200 | 4,864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 5,568 |
| Cost of funding earning assets | 1.6959% | 11 |
| Net interest margin | 1.5180% | 6,203 |
| Noninterest income to average assets | 0.0576% | 6,073 |
| Noninterest expense to average assets | 1.0045% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5374% | 4,642 |
| Return on assets (ROA) | 0.5374% | 4,741 |
| Pretax return on assets | 0.5374% | 5,130 |
| Return on Equity (ROE) | 4.3237% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.0029% | 5,315 |
| Net charge-offs to loans | -0.0120% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1495% | 4,041 |
| Assets per employee ($millions) | 14.8089% | 84 |
| Cash dividends to net income (ytd only)* | 76.8034% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 31.7182% | 5,931 |
| Net loans and leases to deposits | 48.5601% | 5,534 |
| Net loans and leases to core deposits | 58.2607% | 5,173 |
| Total domestic deposits to total assets | 65.3174% | 6,109 |
| Equity capital to assets | 12.0708% | 2,052 |
| Core capital (leverage) ratio | 12.9081% | 1,234 |
| Tier 1 risk-based capital ratio | 26.7542% | 709 |
| Total risk-based capital ratio | 28.0094% | 687 |
| Memoranda: | ||
| Average total assets | $127,287,250 | 3,988 |
| Average earning assets | $124,457,000 | 3,842 |
| Average equity | $15,819,500 | 3,741 |
| Average total loans | $44,266,750 | 4,904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 5,435 |
| Cost of funding earning assets | 1.7272% | 10 |
| Net interest margin | 1.5737% | 6,272 |
| Noninterest income to average assets | 0.0591% | 6,144 |
| Noninterest expense to average assets | 1.0440% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5539% | 4,542 |
| Return on assets (ROA) | 0.5539% | 4,651 |
| Pretax return on assets | 0.5539% | 5,091 |
| Return on Equity (ROE) | 4.4120% | 4,857 |
| Retained earnings to average equity (ytd only) | 1.7800% | 4,810 |
| Net charge-offs to loans | -0.0135% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3347% | 4,124 |
| Assets per employee ($millions) | 13.9019% | 96 |
| Cash dividends to net income (ytd only)* | 59.6542% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.6755% | 5,878 |
| Net loans and leases to deposits | 54.2781% | 5,235 |
| Net loans and leases to core deposits | 66.3014% | 4,626 |
| Total domestic deposits to total assets | 63.8850% | 6,207 |
| Equity capital to assets | 12.0343% | 2,001 |
| Core capital (leverage) ratio | 12.8665% | 1,231 |
| Tier 1 risk-based capital ratio | 29.7652% | 557 |
| Total risk-based capital ratio | 31.0224% | 548 |
| Memoranda: | ||
| Average total assets | $125,289,670 | 4,052 |
| Average earning assets | $122,511,000 | 3,901 |
| Average equity | $15,730,000 | 3,771 |
| Average total loans | $44,582,000 | 4,927 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2668% | 5,523 |
| Cost of funding earning assets | 1.7395% | 11 |
| Net interest margin | 1.5273% | 6,340 |
| Noninterest income to average assets | 0.0606% | 6,205 |
| Noninterest expense to average assets | 1.0433% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5105% | 4,627 |
| Return on assets (ROA) | 0.5105% | 4,749 |
| Pretax return on assets | 0.5105% | 5,153 |
| Return on Equity (ROE) | 3.9834% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.8133% | 4,277 |
| Net charge-offs to loans | -0.0090% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1458% | 3,967 |
| Assets per employee ($millions) | 14.3100% | 91 |
| Cash dividends to net income (ytd only)* | 29.3750% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2998% | 702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.4375% | 5,909 |
| Net loans and leases to deposits | 53.7509% | 5,210 |
| Net loans and leases to core deposits | 67.1807% | 4,410 |
| Total domestic deposits to total assets | 64.0686% | 6,278 |
| Equity capital to assets | 12.5359% | 1,673 |
| Core capital (leverage) ratio | 13.1865% | 1,096 |
| Tier 1 risk-based capital ratio | 27.7803% | 663 |
| Total risk-based capital ratio | 29.0362% | 648 |
| Memoranda: | ||
| Average total assets | $125,376,000 | 4,078 |
| Average earning assets | $122,567,000 | 3,932 |
| Average equity | $16,066,500 | 3,738 |
| Average total loans | $44,657,500 | 4,962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,435 |
| Cost of funding earning assets | 1.9734% | 7 |
| Net interest margin | 2.0986% | 6,340 |
| Noninterest income to average assets | 0.0718% | 6,236 |
| Noninterest expense to average assets | 1.0916% | 6,434 |
| Loan and lease loss provision to assets | -0.0072% | 5,906 |
| Net operating income to assets | 1.0326% | 2,253 |
| Return on assets (ROA) | 1.0326% | 2,324 |
| Pretax return on assets | 1.0326% | 3,379 |
| Return on Equity (ROE) | 8.5317% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.9266% | 3,420 |
| Net charge-offs to loans | 0.0245% | 4,345 |
| Credit loss provision to net charge-offs | -64.2857% | 5,450 |
| Earnings coverage of net charge-offs (x) | 91.8571% | 565 |
| Efficiency ratio | 51.5631% | 6,011 |
| Assets per employee ($millions) | 13.5513% | 98 |
| Cash dividends to net income (ytd only)* | 53.9768% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.1552% | 5,989 |
| Net loans and leases to deposits | 56.5960% | 5,143 |
| Net loans and leases to core deposits | 70.8086% | 4,238 |
| Total domestic deposits to total assets | 62.1161% | 6,385 |
| Equity capital to assets | 13.1090% | 1,312 |
| Core capital (leverage) ratio | 12.9556% | 1,160 |
| Tier 1 risk-based capital ratio | 30.8479% | 479 |
| Total risk-based capital ratio | 32.1066% | 468 |
| Memoranda: | ||
| Average total assets | $125,415,400 | 4,075 |
| Average earning assets | $122,226,800 | 3,914 |
| Average equity | $15,178,600 | 3,803 |
| Average total loans | $57,052,800 | 4,581 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,738 |
| Cost of funding earning assets | 2.0062% | 6 |
| Net interest margin | 2.2663% | 6,352 |
| Noninterest income to average assets | 0.0634% | 6,350 |
| Noninterest expense to average assets | 1.0284% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2427% | 1,546 |
| Return on assets (ROA) | 1.2427% | 1,601 |
| Pretax return on assets | 1.2427% | 2,599 |
| Return on Equity (ROE) | 10.4785% | 2,014 |
| Retained earnings to average equity (ytd only) | 5.2170% | 2,940 |
| Net charge-offs to loans | 0.0575% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 45.2636% | 1,039 |
| Efficiency ratio | 45.2813% | 6,317 |
| Assets per employee ($millions) | 15.7480% | 72 |
| Cash dividends to net income (ytd only)* | 50.2125% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 1,110 |
| Loan loss allowance to noncurrent loans | 500.0000% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 5,533 |
| Noncurrent loans to loans | 0.4168% | 4,658 |
| Net loans and leases to total assets | 38.7898% | 5,899 |
| Net loans and leases to deposits | 60.8982% | 4,859 |
| Net loans and leases to core deposits | 78.0019% | 3,535 |
| Total domestic deposits to total assets | 63.6962% | 6,441 |
| Equity capital to assets | 12.4159% | 1,759 |
| Core capital (leverage) ratio | 12.5796% | 1,363 |
| Tier 1 risk-based capital ratio | 27.4961% | 674 |
| Total risk-based capital ratio | 28.7521% | 660 |
| Memoranda: | ||
| Average total assets | $126,278,750 | 4,080 |
| Average earning assets | $123,016,250 | 3,929 |
| Average equity | $14,976,250 | 3,861 |
| Average total loans | $60,336,250 | 4,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,135 |
| Cost of funding earning assets | 2.0385% | 6 |
| Net interest margin | 2.3734% | 6,372 |
| Noninterest income to average assets | 0.0665% | 6,387 |
| Noninterest expense to average assets | 1.0049% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3721% | 1,129 |
| Return on assets (ROA) | 1.3721% | 1,168 |
| Pretax return on assets | 1.3721% | 1,993 |
| Return on Equity (ROE) | 11.7525% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.2053% | 2,829 |
| Net charge-offs to loans | 0.0721% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 37.6957% | 1,102 |
| Efficiency ratio | 42.2770% | 6,473 |
| Assets per employee ($millions) | 18.4274% | 53 |
| Cash dividends to net income (ytd only)* | 55.7093% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 2,042 |
| Loan loss allowance to noncurrent loans | 501.4423% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 5,669 |
| Noncurrent loans to loans | 0.3446% | 4,975 |
| Net loans and leases to total assets | 45.9866% | 5,361 |
| Net loans and leases to deposits | 71.3320% | 3,665 |
| Net loans and leases to core deposits | 93.5587% | 1,810 |
| Total domestic deposits to total assets | 64.4683% | 6,505 |
| Equity capital to assets | 12.2194% | 1,841 |
| Core capital (leverage) ratio | 12.5971% | 1,348 |
| Tier 1 risk-based capital ratio | 23.5285% | 1,042 |
| Total risk-based capital ratio | 24.7827% | 1,023 |
| Memoranda: | ||
| Average total assets | $126,377,000 | 4,108 |
| Average earning assets | $123,029,000 | 3,952 |
| Average equity | $14,754,330 | 3,901 |
| Average total loans | $63,812,000 | 4,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 891 |
| Cost of funding earning assets | 2.0626% | 6 |
| Net interest margin | 2.8258% | 5,886 |
| Noninterest income to average assets | 0.0672% | 6,433 |
| Noninterest expense to average assets | 1.0234% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7910% | 493 |
| Return on assets (ROA) | 1.7910% | 509 |
| Pretax return on assets | 1.7910% | 811 |
| Return on Equity (ROE) | 15.7187% | 678 |
| Retained earnings to average equity (ytd only) | 15.7187% | 288 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3636% | 6,637 |
| Assets per employee ($millions) | 13.9739% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 2,202 |
| Loan loss allowance to noncurrent loans | 192.5993% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 4,815 |
| Noncurrent loans to loans | 0.9075% | 3,613 |
| Net loans and leases to total assets | 47.6929% | 5,168 |
| Net loans and leases to deposits | 74.4560% | 3,015 |
| Net loans and leases to core deposits | 102.6070% | 949 |
| Total domestic deposits to total assets | 64.0552% | 6,585 |
| Equity capital to assets | 12.0288% | 1,847 |
| Core capital (leverage) ratio | 12.8014% | 1,245 |
| Tier 1 risk-based capital ratio | 24.2743% | 965 |
| Total risk-based capital ratio | 25.5285% | 949 |
| Memoranda: | ||
| Average total assets | $125,069,500 | 4,164 |
| Average earning assets | $121,593,000 | 4,010 |
| Average equity | $14,250,500 | 3,999 |
| Average total loans | $65,537,000 | 4,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,626 |
| Cost of funding earning assets | 2.4342% | 4 |
| Net interest margin | 1.9534% | 6,657 |
| Noninterest income to average assets | 0.0590% | 6,520 |
| Noninterest expense to average assets | 1.0860% | 6,737 |
| Loan and lease loss provision to assets | 0.1911% | 1,933 |
| Net operating income to assets | 0.6822% | 3,890 |
| Return on assets (ROA) | 0.6822% | 3,982 |
| Pretax return on assets | 0.6822% | 4,605 |
| Return on Equity (ROE) | 5.7536% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.7536% | 2,133 |
| Net charge-offs to loans | 0.0351% | 4,744 |
| Credit loss provision to net charge-offs | 958.3333% | 269 |
| Earnings coverage of net charge-offs (x) | 43.7917% | 880 |
| Efficiency ratio | 55.4283% | 6,004 |
| Assets per employee ($millions) | 13.8193% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,084 |
| Loan loss allowance to noncurrent loans | 24.9240% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4388% | 865 |
| Noncurrent loans to loans | 6.1077% | 333 |
| Net loans and leases to total assets | 55.4457% | 4,392 |
| Net loans and leases to deposits | 85.2421% | 1,782 |
| Net loans and leases to core deposits | 120.2630% | 324 |
| Total domestic deposits to total assets | 65.0449% | 6,652 |
| Equity capital to assets | 10.7522% | 2,875 |
| Core capital (leverage) ratio | 12.4904% | 1,368 |
| Tier 1 risk-based capital ratio | 20.6151% | 1,509 |
| Total risk-based capital ratio | 21.8675% | 1,485 |
| Memoranda: | ||
| Average total assets | $120,353,400 | 4,270 |
| Average earning assets | $117,080,600 | 4,107 |
| Average equity | $14,269,400 | 4,011 |
| Average total loans | $68,319,400 | 4,328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,767 |
| Cost of funding earning assets | 2.5087% | 3 |
| Net interest margin | 1.8451% | 6,757 |
| Noninterest income to average assets | 0.0559% | 6,617 |
| Noninterest expense to average assets | 1.0825% | 6,815 |
| Loan and lease loss provision to assets | 0.0335% | 4,352 |
| Net operating income to assets | 0.7351% | 3,674 |
| Return on assets (ROA) | 0.7351% | 3,805 |
| Pretax return on assets | 0.7351% | 4,554 |
| Return on Equity (ROE) | 6.0531% | 4,161 |
| Retained earnings to average equity (ytd only) | 6.0531% | 2,374 |
| Net charge-offs to loans | -0.3515% | 6,741 |
| Credit loss provision to net charge-offs | -16.7598% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4792% | 5,631 |
| Assets per employee ($millions) | 15.2524% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 3,244 |
| Loan loss allowance to noncurrent loans | 26.2977% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 3.3314% | 1,054 |
| Noncurrent loans to loans | 5.8815% | 444 |
| Net loans and leases to total assets | 55.7667% | 4,354 |
| Net loans and leases to deposits | 87.1893% | 1,472 |
| Net loans and leases to core deposits | 135.7228% | 141 |
| Total domestic deposits to total assets | 63.9605% | 6,755 |
| Equity capital to assets | 11.3613% | 2,419 |
| Core capital (leverage) ratio | 12.5543% | 1,392 |
| Tier 1 risk-based capital ratio | 20.6182% | 1,573 |
| Total risk-based capital ratio | 21.8708% | 1,548 |
| Memoranda: | ||
| Average total assets | $119,348,250 | 4,330 |
| Average earning assets | $116,126,750 | 4,173 |
| Average equity | $14,493,500 | 4,016 |
| Average total loans | $67,892,750 | 4,374 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,402 |
| Cost of funding earning assets | 2.5776% | 3 |
| Net interest margin | 1.8677% | 6,800 |
| Noninterest income to average assets | 0.0557% | 6,654 |
| Noninterest expense to average assets | 1.0451% | 6,871 |
| Loan and lease loss provision to assets | 0.0507% | 3,974 |
| Net operating income to assets | 0.7766% | 3,423 |
| Return on assets (ROA) | 0.7766% | 3,579 |
| Pretax return on assets | 0.7766% | 4,404 |
| Return on Equity (ROE) | 6.2569% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.2569% | 2,289 |
| Net charge-offs to loans | -0.5572% | 6,833 |
| Credit loss provision to net charge-offs | -15.9574% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8161% | 5,986 |
| Assets per employee ($millions) | 15.2981% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 3,325 |
| Loan loss allowance to noncurrent loans | 26.4670% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 3.3280% | 1,179 |
| Noncurrent loans to loans | 5.8883% | 499 |
| Net loans and leases to total assets | 55.6384% | 4,353 |
| Net loans and leases to deposits | 87.2529% | 1,435 |
| Net loans and leases to core deposits | 146.3610% | 106 |
| Total domestic deposits to total assets | 63.7668% | 6,800 |
| Equity capital to assets | 11.6223% | 2,196 |
| Core capital (leverage) ratio | 13.3087% | 1,052 |
| Tier 1 risk-based capital ratio | 20.3598% | 1,638 |
| Total risk-based capital ratio | 21.6129% | 1,617 |
| Memoranda: | ||
| Average total assets | $118,458,000 | 4,380 |
| Average earning assets | $115,225,000 | 4,228 |
| Average equity | $14,703,670 | 4,007 |
| Average total loans | $67,485,330 | 4,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,036 |
| Cost of funding earning assets | 2.6525% | 3 |
| Net interest margin | 1.6141% | 6,924 |
| Noninterest income to average assets | 0.0618% | 6,692 |
| Noninterest expense to average assets | 1.0679% | 6,946 |
| Loan and lease loss provision to assets | 0.0618% | 3,602 |
| Net operating income to assets | 0.5013% | 4,650 |
| Return on assets (ROA) | 0.5013% | 4,802 |
| Pretax return on assets | 0.5013% | 5,251 |
| Return on Equity (ROE) | 3.9081% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.9081% | 3,886 |
| Net charge-offs to loans | 0.0240% | 3,701 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 775 |
| Efficiency ratio | 65.4737% | 4,747 |
| Assets per employee ($millions) | 14.5271% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,640 |
| Loan loss allowance to noncurrent loans | 766.6667% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 6,298 |
| Noncurrent loans to loans | 0.1711% | 5,972 |
| Net loans and leases to total assets | 56.5941% | 3,992 |
| Net loans and leases to deposits | 95.1700% | 592 |
| Net loans and leases to core deposits | 200.5427% | 45 |
| Total domestic deposits to total assets | 59.4663% | 6,920 |
| Equity capital to assets | 12.8733% | 1,485 |
| Core capital (leverage) ratio | 12.8514% | 1,176 |
| Tier 1 risk-based capital ratio | 19.3339% | 1,948 |
| Total risk-based capital ratio | 20.4732% | 1,947 |
| Memoranda: | ||
| Average total assets | $116,494,500 | 4,469 |
| Average earning assets | $113,251,500 | 4,305 |
| Average equity | $14,943,500 | 4,008 |
| Average total loans | $66,642,500 | 4,467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 4,340 |
| Cost of funding earning assets | 3.0929% | 5 |
| Net interest margin | 1.1730% | 7,024 |
| Noninterest income to average assets | 0.0825% | 6,573 |
| Noninterest expense to average assets | 3.2932% | 2,361 |
| Loan and lease loss provision to assets | 0.1424% | 3,827 |
| Net operating income to assets | -2.2179% | 6,953 |
| Return on assets (ROA) | -2.1663% | 6,953 |
| Pretax return on assets | -2.1663% | 6,948 |
| Return on Equity (ROE) | -15.1805% | 6,827 |
| Retained earnings to average equity (ytd only) | -41.8821% | 6,992 |
| Net charge-offs to loans | 0.2018% | 3,763 |
| Credit loss provision to net charge-offs | 142.5000% | 1,922 |
| Earnings coverage of net charge-offs (x) | -20.7667% | 5,966 |
| Efficiency ratio | 270.4514% | 19 |
| Assets per employee ($millions) | 14.5965% | 98 |
| Cash dividends to net income (ytd only)* | -175.8939% | 7,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,683 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,572 |
| Noncurrent loans to loans | 0.0600% | 6,338 |
| Net loans and leases to total assets | 56.3311% | 4,230 |
| Net loans and leases to deposits | 91.8034% | 929 |
| Net loans and leases to core deposits | 209.9553% | 49 |
| Total domestic deposits to total assets | 61.3606% | 6,965 |
| Equity capital to assets | 12.7822% | 1,547 |
| Core capital (leverage) ratio | 13.1283% | 1,068 |
| Tier 1 risk-based capital ratio | 19.4415% | 1,830 |
| Total risk-based capital ratio | 20.5802% | 1,835 |
| Memoranda: | ||
| Average total assets | $120,066,600 | 4,362 |
| Average earning assets | $116,202,400 | 4,207 |
| Average equity | $17,133,800 | 3,604 |
| Average total loans | $59,479,000 | 4,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 4,572 |
| Cost of funding earning assets | 3.1639% | 2 |
| Net interest margin | 1.1075% | 7,135 |
| Noninterest income to average assets | 0.0860% | 6,669 |
| Noninterest expense to average assets | 4.0179% | 917 |
| Loan and lease loss provision to assets | 0.1489% | 3,677 |
| Net operating income to assets | -3.0098% | 7,112 |
| Return on assets (ROA) | -2.9414% | 7,114 |
| Pretax return on assets | -2.9414% | 7,109 |
| Return on Equity (ROE) | -20.1061% | 6,992 |
| Retained earnings to average equity (ytd only) | -54.5963% | 7,126 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 347.2831% | 14 |
| Assets per employee ($millions) | 12.3369% | 140 |
| Cash dividends to net income (ytd only)* | -171.5412% | 7,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,905 |
| Loan loss allowance to noncurrent loans | 8,581.8182% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,761 |
| Noncurrent loans to loans | 0.0176% | 6,602 |
| Net loans and leases to total assets | 55.3975% | 4,539 |
| Net loans and leases to deposits | 93.2237% | 850 |
| Net loans and leases to core deposits | 300.4103% | 38 |
| Total domestic deposits to total assets | 59.4243% | 7,070 |
| Equity capital to assets | 13.3610% | 1,407 |
| Core capital (leverage) ratio | 13.1916% | 1,115 |
| Tier 1 risk-based capital ratio | 20.3220% | 1,678 |
| Total risk-based capital ratio | 21.5732% | 1,652 |
| Memoranda: | ||
| Average total assets | $120,890,250 | 4,379 |
| Average earning assets | $116,900,750 | 4,229 |
| Average equity | $17,685,750 | 3,547 |
| Average total loans | $57,689,000 | 4,854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 4,613 |
| Cost of funding earning assets | 3.2214% | 3 |
| Net interest margin | 1.0682% | 7,205 |
| Noninterest income to average assets | 0.0966% | 6,688 |
| Noninterest expense to average assets | 5.3102% | 308 |
| Loan and lease loss provision to assets | 0.1788% | 3,308 |
| Net operating income to assets | -4.3599% | 7,202 |
| Return on assets (ROA) | -4.2601% | 7,201 |
| Pretax return on assets | -4.2601% | 7,199 |
| Return on Equity (ROE) | -28.3859% | 7,088 |
| Retained earnings to average equity (ytd only) | -77.4844% | 7,192 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 470.3281% | 10 |
| Assets per employee ($millions) | 14.1509% | 95 |
| Cash dividends to net income (ytd only)* | -172.9679% | 7,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,872 |
| Loan loss allowance to noncurrent loans | 2,555.5556% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 6,739 |
| Noncurrent loans to loans | 0.0599% | 6,526 |
| Net loans and leases to total assets | 52.3077% | 5,056 |
| Net loans and leases to deposits | 86.9009% | 1,486 |
| Net loans and leases to core deposits | 323.9742% | 34 |
| Total domestic deposits to total assets | 60.1924% | 7,130 |
| Equity capital to assets | 13.1423% | 1,454 |
| Core capital (leverage) ratio | 13.3459% | 1,037 |
| Tier 1 risk-based capital ratio | 21.0494% | 1,472 |
| Total risk-based capital ratio | 22.3003% | 1,446 |
| Memoranda: | ||
| Average total assets | $124,176,330 | 4,326 |
| Average earning assets | $120,010,000 | 4,172 |
| Average equity | $18,636,000 | 3,410 |
| Average total loans | $56,101,000 | 4,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 4,925 |
| Cost of funding earning assets | 3.4049% | 1 |
| Net interest margin | 0.8448% | 7,279 |
| Noninterest income to average assets | 0.0679% | 6,864 |
| Noninterest expense to average assets | 9.1192% | 94 |
| Loan and lease loss provision to assets | 0.0463% | 4,823 |
| Net operating income to assets | -8.2831% | 7,293 |
| Return on assets (ROA) | -8.2831% | 7,294 |
| Pretax return on assets | -8.2831% | 7,294 |
| Return on Equity (ROE) | -52.3519% | 7,232 |
| Retained earnings to average equity (ytd only) | -52.3519% | 7,222 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,033.5664% | 3 |
| Assets per employee ($millions) | 16.3726% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,297 |
| Loan loss allowance to noncurrent loans | 792.3077% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,565 |
| Noncurrent loans to loans | 0.1854% | 6,313 |
| Net loans and leases to total assets | 48.2270% | 5,525 |
| Net loans and leases to deposits | 84.8811% | 1,548 |
| Net loans and leases to core deposits | 491.0884% | 30 |
| Total domestic deposits to total assets | 56.8172% | 7,218 |
| Equity capital to assets | 16.8435% | 453 |
| Core capital (leverage) ratio | 13.6164% | 902 |
| Tier 1 risk-based capital ratio | 28.7017% | 589 |
| Total risk-based capital ratio | 29.9350% | 582 |
| Memoranda: | ||
| Average total assets | $129,661,000 | 4,239 |
| Average earning assets | $124,996,000 | 4,088 |
| Average equity | $20,515,000 | 3,160 |
| Average total loans | $54,083,500 | 5,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 5,378 |
| Cost of funding earning assets | 3.2011% | 6 |
| Net interest margin | 1.2099% | 7,309 |
| Noninterest income to average assets | 0.0607% | 6,793 |
| Noninterest expense to average assets | 0.9600% | 7,298 |
| Loan and lease loss provision to assets | 0.1897% | 4,284 |
| Net operating income to assets | 0.0779% | 5,906 |
| Return on assets (ROA) | 2.9241% | 93 |
| Pretax return on assets | 2.9241% | 131 |
| Return on Equity (ROE) | 21.3963% | 206 |
| Retained earnings to average equity (ytd only) | 21.3963% | 39 |
| Net charge-offs to loans | 0.2375% | 4,294 |
| Credit loss provision to net charge-offs | 303.0612% | 771 |
| Earnings coverage of net charge-offs (x) | 4.2755% | 3,186 |
| Efficiency ratio | 78.1998% | 2,563 |
| Assets per employee ($millions) | 20.6734% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,786 |
| Loan loss allowance to noncurrent loans | 2,074.3590% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,836 |
| Noncurrent loans to loans | 0.0749% | 6,629 |
| Net loans and leases to total assets | 35.4230% | 6,791 |
| Net loans and leases to deposits | 74.6096% | 3,399 |
| Net loans and leases to core deposits | 461.9030% | 35 |
| Total domestic deposits to total assets | 47.4778% | 7,293 |
| Equity capital to assets | 15.0131% | 781 |
| Core capital (leverage) ratio | 14.8730% | 627 |
| Tier 1 risk-based capital ratio | 32.2348% | 421 |
| Total risk-based capital ratio | 33.4277% | 411 |
| Memoranda: | ||
| Average total assets | $156,561,400 | 3,688 |
| Average earning assets | $151,010,000 | 3,568 |
| Average equity | $21,396,200 | 2,965 |
| Average total loans | $41,263,600 | 5,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 4,625 |
| Cost of funding earning assets | 3.2062% | 8 |
| Net interest margin | 1.4561% | 7,368 |
| Noninterest income to average assets | 0.0736% | 6,869 |
| Noninterest expense to average assets | 0.9637% | 7,377 |
| Loan and lease loss provision to assets | 0.0376% | 5,967 |
| Net operating income to assets | 0.4756% | 4,656 |
| Return on assets (ROA) | 4.1991% | 57 |
| Pretax return on assets | 4.1991% | 79 |
| Return on Equity (ROE) | 31.4281% | 44 |
| Retained earnings to average equity (ytd only) | 31.4281% | 21 |
| Net charge-offs to loans | -0.0726% | 7,116 |
| Credit loss provision to net charge-offs | -214.2857% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2518% | 4,858 |
| Assets per employee ($millions) | 25.0970% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 3,620 |
| Loan loss allowance to noncurrent loans | 441.8301% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 6,737 |
| Noncurrent loans to loans | 0.3642% | 6,126 |
| Net loans and leases to total assets | 27.4502% | 7,165 |
| Net loans and leases to deposits | 56.5211% | 5,981 |
| Net loans and leases to core deposits | 368.0438% | 37 |
| Total domestic deposits to total assets | 48.5662% | 7,362 |
| Equity capital to assets | 15.3949% | 747 |
| Core capital (leverage) ratio | 14.6108% | 746 |
| Tier 1 risk-based capital ratio | 40.3484% | 242 |
| Total risk-based capital ratio | 41.5711% | 238 |
| Memoranda: | ||
| Average total assets | $159,523,250 | 3,660 |
| Average earning assets | $153,740,250 | 3,537 |
| Average equity | $21,313,750 | 2,970 |
| Average total loans | $38,561,750 | 5,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 3,560 |
| Cost of funding earning assets | 3.1955% | 9 |
| Net interest margin | 1.7171% | 7,422 |
| Noninterest income to average assets | 0.0825% | 6,916 |
| Noninterest expense to average assets | 0.9957% | 7,456 |
| Loan and lease loss provision to assets | 0.0369% | 5,851 |
| Net operating income to assets | 0.7138% | 3,474 |
| Return on assets (ROA) | 4.9894% | 52 |
| Pretax return on assets | 4.9894% | 71 |
| Return on Equity (ROE) | 39.1861% | 37 |
| Retained earnings to average equity (ytd only) | 39.1861% | 23 |
| Net charge-offs to loans | -0.1123% | 7,192 |
| Credit loss provision to net charge-offs | -142.8571% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0120% | 6,295 |
| Assets per employee ($millions) | 26.1687% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 2,762 |
| Loan loss allowance to noncurrent loans | 429.2208% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 6,799 |
| Noncurrent loans to loans | 0.4358% | 6,034 |
| Net loans and leases to total assets | 22.0868% | 7,344 |
| Net loans and leases to deposits | 43.5989% | 6,934 |
| Net loans and leases to core deposits | 255.0114% | 56 |
| Total domestic deposits to total assets | 50.6592% | 7,423 |
| Equity capital to assets | 14.7307% | 883 |
| Core capital (leverage) ratio | 13.2375% | 1,077 |
| Tier 1 risk-based capital ratio | 40.1234% | 246 |
| Total risk-based capital ratio | 41.3664% | 239 |
| Memoranda: | ||
| Average total assets | $162,503,670 | 3,642 |
| Average earning assets | $157,470,670 | 3,498 |
| Average equity | $20,691,000 | 3,037 |
| Average total loans | $37,412,000 | 5,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 2,001 |
| Cost of funding earning assets | 3.2106% | 8 |
| Net interest margin | 2.0515% | 7,402 |
| Noninterest income to average assets | 0.0629% | 7,079 |
| Noninterest expense to average assets | 0.8932% | 7,524 |
| Loan and lease loss provision to assets | 0.0363% | 5,531 |
| Net operating income to assets | 1.1256% | 1,751 |
| Return on assets (ROA) | 7.5183% | 34 |
| Pretax return on assets | 7.5183% | 43 |
| Return on Equity (ROE) | 63.8044% | 21 |
| Retained earnings to average equity (ytd only) | 63.8044% | 15 |
| Net charge-offs to loans | -0.0312% | 6,721 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4629% | 7,301 |
| Assets per employee ($millions) | 20.4714% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 3,541 |
| Loan loss allowance to noncurrent loans | 236.9811% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 6,757 |
| Noncurrent loans to loans | 0.6948% | 5,629 |
| Net loans and leases to total assets | 22.9064% | 7,389 |
| Net loans and leases to deposits | 42.0146% | 7,021 |
| Net loans and leases to core deposits | 205.2974% | 73 |
| Total domestic deposits to total assets | 54.5200% | 7,469 |
| Equity capital to assets | 12.2946% | 1,741 |
| Core capital (leverage) ratio | 12.2681% | 1,421 |
| Tier 1 risk-based capital ratio | 37.0388% | 301 |
| Total risk-based capital ratio | 38.1797% | 294 |
| Memoranda: | ||
| Average total assets | $165,249,500 | 3,631 |
| Average earning assets | $160,468,500 | 3,451 |
| Average equity | $19,472,000 | 3,192 |
| Average total loans | $38,448,000 | 5,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9637% | 919 |
| Cost of funding earning assets | 3.3897% | 11 |
| Net interest margin | 2.5741% | 7,228 |
| Noninterest income to average assets | 0.3521% | 5,289 |
| Noninterest expense to average assets | 1.0872% | 7,569 |
| Loan and lease loss provision to assets | 0.3053% | 4,358 |
| Net operating income to assets | 1.3732% | 1,002 |
| Return on assets (ROA) | -0.4919% | 6,411 |
| Pretax return on assets | -0.4919% | 6,315 |
| Return on Equity (ROE) | -4.7539% | 6,415 |
| Retained earnings to average equity (ytd only) | -4.7539% | 6,277 |
| Net charge-offs to loans | 0.6340% | 3,122 |
| Credit loss provision to net charge-offs | 318.9655% | 817 |
| Earnings coverage of net charge-offs (x) | 17.5345% | 1,145 |
| Efficiency ratio | 39.3077% | 7,515 |
| Assets per employee ($millions) | 20.8410% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,682 |
| Loan loss allowance to noncurrent loans | 233.7165% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 6,843 |
| Noncurrent loans to loans | 0.6735% | 5,697 |
| Net loans and leases to total assets | 22.8780% | 7,488 |
| Net loans and leases to deposits | 40.7892% | 7,227 |
| Net loans and leases to core deposits | 291.4425% | 48 |
| Total domestic deposits to total assets | 56.0884% | 7,536 |
| Equity capital to assets | 11.2812% | 2,428 |
| Core capital (leverage) ratio | 10.0295% | 3,061 |
| Tier 1 risk-based capital ratio | 16.1298% | 2,682 |
| Total risk-based capital ratio | 16.6992% | 2,981 |
| Memoranda: | ||
| Average total assets | $181,758,800 | 3,349 |
| Average earning assets | $170,429,800 | 3,272 |
| Average equity | $18,805,800 | 3,302 |
| Average total loans | $27,442,800 | 6,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2856% | 524 |
| Cost of funding earning assets | 3.4065% | 13 |
| Net interest margin | 2.8791% | 7,039 |
| Noninterest income to average assets | 0.4434% | 4,611 |
| Noninterest expense to average assets | 1.0141% | 7,692 |
| Loan and lease loss provision to assets | 0.0323% | 6,749 |
| Net operating income to assets | 2.0763% | 299 |
| Return on assets (ROA) | 0.1962% | 5,678 |
| Pretax return on assets | 0.1962% | 5,740 |
| Return on Equity (ROE) | 1.9356% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.9356% | 4,989 |
| Net charge-offs to loans | 0.3900% | 3,728 |
| Credit loss provision to net charge-offs | 62.5000% | 5,627 |
| Earnings coverage of net charge-offs (x) | 40.7490% | 674 |
| Efficiency ratio | 32.4741% | 7,665 |
| Assets per employee ($millions) | 21.8248% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5093% | 7,445 |
| Loan loss allowance to noncurrent loans | 32.0635% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,497 |
| Noncurrent loans to loans | 1.5885% | 4,259 |
| Net loans and leases to total assets | 22.5988% | 7,583 |
| Net loans and leases to deposits | 39.8133% | 7,376 |
| Net loans and leases to core deposits | 229.6549% | 67 |
| Total domestic deposits to total assets | 56.7618% | 7,633 |
| Equity capital to assets | 12.1966% | 2,035 |
| Core capital (leverage) ratio | 10.4431% | 2,750 |
| Tier 1 risk-based capital ratio | 14.3055% | 3,629 |
| Total risk-based capital ratio | 14.4622% | 4,390 |
| Memoranda: | ||
| Average total assets | $185,516,500 | 3,336 |
| Average earning assets | $172,644,250 | 3,273 |
| Average equity | $18,805,000 | 3,346 |
| Average total loans | $24,615,000 | 6,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3598% | 445 |
| Cost of funding earning assets | 3.4375% | 13 |
| Net interest margin | 2.9223% | 6,983 |
| Noninterest income to average assets | 0.6259% | 3,160 |
| Noninterest expense to average assets | 1.0150% | 7,772 |
| Loan and lease loss provision to assets | 0.0317% | 6,626 |
| Net operating income to assets | 2.2659% | 202 |
| Return on assets (ROA) | -0.4398% | 6,638 |
| Pretax return on assets | -0.4398% | 6,544 |
| Return on Equity (ROE) | -4.6287% | 6,663 |
| Retained earnings to average equity (ytd only) | -4.6287% | 6,507 |
| Net charge-offs to loans | 0.1122% | 5,039 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 197.5455% | 170 |
| Efficiency ratio | 30.6416% | 7,743 |
| Assets per employee ($millions) | 19.9950% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,254 |
| Loan loss allowance to noncurrent loans | 34.8870% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,459 |
| Noncurrent loans to loans | 2.9628% | 2,701 |
| Net loans and leases to total assets | 13.1416% | 7,740 |
| Net loans and leases to deposits | 22.4478% | 7,714 |
| Net loans and leases to core deposits | 138.7771% | 298 |
| Total domestic deposits to total assets | 58.5430% | 7,676 |
| Equity capital to assets | 11.3345% | 2,565 |
| Core capital (leverage) ratio | 9.6424% | 3,619 |
| Tier 1 risk-based capital ratio | 12.6145% | 4,764 |
| Total risk-based capital ratio | 12.7899% | 5,703 |
| Memoranda: | ||
| Average total assets | $189,156,000 | 3,318 |
| Average earning assets | $173,905,330 | 3,272 |
| Average equity | $17,975,000 | 3,471 |
| Average total loans | $19,600,330 | 7,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6199% | 300 |
| Cost of funding earning assets | 3.3077% | 25 |
| Net interest margin | 3.3121% | 5,921 |
| Noninterest income to average assets | 0.0640% | 7,401 |
| Noninterest expense to average assets | 1.1127% | 7,852 |
| Loan and lease loss provision to assets | 0.0310% | 6,368 |
| Net operating income to assets | 2.0583% | 314 |
| Return on assets (ROA) | -3.2247% | 7,656 |
| Pretax return on assets | -3.2247% | 7,619 |
| Return on Equity (ROE) | -37.2703% | 7,637 |
| Retained earnings to average equity (ytd only) | -37.2703% | 7,619 |
| Net charge-offs to loans | 0.0688% | 4,722 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 337.3333% | 84 |
| Efficiency ratio | 34.7518% | 7,806 |
| Assets per employee ($millions) | 21.3930% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,902 |
| Loan loss allowance to noncurrent loans | 36.4458% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,615 |
| Noncurrent loans to loans | 3.0795% | 2,601 |
| Net loans and leases to total assets | 11.0732% | 7,857 |
| Net loans and leases to deposits | 17.7944% | 7,845 |
| Net loans and leases to core deposits | 137.6816% | 357 |
| Total domestic deposits to total assets | 62.2286% | 7,713 |
| Equity capital to assets | 9.6013% | 4,378 |
| Core capital (leverage) ratio | 8.5905% | 5,221 |
| Tier 1 risk-based capital ratio | 7.9623% | 7,618 |
| Total risk-based capital ratio | 8.0782% | 7,717 |
| Memoranda: | ||
| Average total assets | $193,756,500 | 3,305 |
| Average earning assets | $183,569,000 | 3,214 |
| Average equity | $16,764,000 | 3,704 |
| Average total loans | $17,452,500 | 7,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2734% | 65 |
| Cost of funding earning assets | 3.2397% | 110 |
| Net interest margin | 5.0336% | 417 |
| Noninterest income to average assets | 0.0763% | 7,369 |
| Noninterest expense to average assets | 0.8672% | 7,957 |
| Loan and lease loss provision to assets | 0.0218% | 7,285 |
| Net operating income to assets | 4.0156% | 38 |
| Return on assets (ROA) | 1.5167% | 695 |
| Pretax return on assets | 1.5167% | 1,147 |
| Return on Equity (ROE) | 24.9071% | 91 |
| Retained earnings to average equity (ytd only) | -11.4055% | 6,630 |
| Net charge-offs to loans | -0.3852% | 7,935 |
| Credit loss provision to net charge-offs | -97.9592% | 7,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6808% | 7,984 |
| Assets per employee ($millions) | 21.6640% | 70 |
| Cash dividends to net income (ytd only)* | 145.7922% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,817 |
| Loan loss allowance to noncurrent loans | 33.0935% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 6,553 |
| Noncurrent loans to loans | 5.2087% | 1,269 |
| Net loans and leases to total assets | 6.7254% | 7,945 |
| Net loans and leases to deposits | 10.4373% | 7,947 |
| Net loans and leases to core deposits | 11.9456% | 7,945 |
| Total domestic deposits to total assets | 64.4366% | 7,693 |
| Equity capital to assets | 7.7148% | 6,844 |
| Core capital (leverage) ratio | 8.7591% | 4,823 |
| Tier 1 risk-based capital ratio | 10.7423% | 6,162 |
| Total risk-based capital ratio | 10.8782% | 7,117 |
| Memoranda: | ||
| Average total assets | $220,143,800 | 2,937 |
| Average earning assets | $211,159,200 | 2,824 |
| Average equity | $13,405,800 | 4,404 |
| Average total loans | $12,722,200 | 7,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5827% | 57 |
| Cost of funding earning assets | 3.1668% | 205 |
| Net interest margin | 5.4159% | 206 |
| Noninterest income to average assets | 0.0742% | 7,536 |
| Noninterest expense to average assets | 0.8385% | 8,050 |
| Loan and lease loss provision to assets | 0.0194% | 7,158 |
| Net operating income to assets | 4.4385% | 33 |
| Return on assets (ROA) | 3.5323% | 47 |
| Pretax return on assets | 3.5323% | 68 |
| Return on Equity (ROE) | 61.5421% | 13 |
| Retained earnings to average equity (ytd only) | 11.6026% | 395 |
| Net charge-offs to loans | -0.5411% | 8,026 |
| Credit loss provision to net charge-offs | -64.7059% | 7,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.8310% | 8,068 |
| Assets per employee ($millions) | 23.4233% | 65 |
| Cash dividends to net income (ytd only)* | 81.1468% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,697 |
| Loan loss allowance to noncurrent loans | 53.5802% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 7,050 |
| Noncurrent loans to loans | 3.1354% | 2,409 |
| Net loans and leases to total assets | 6.0244% | 8,031 |
| Net loans and leases to deposits | 8.9524% | 8,035 |
| Net loans and leases to core deposits | 10.9792% | 8,022 |
| Total domestic deposits to total assets | 67.2938% | 7,620 |
| Equity capital to assets | 6.9736% | 7,606 |
| Core capital (leverage) ratio | 10.0374% | 3,247 |
| Tier 1 risk-based capital ratio | 9.5430% | 7,339 |
| Total risk-based capital ratio | 9.6423% | 7,766 |
| Memoranda: | ||
| Average total assets | $226,435,750 | 2,878 |
| Average earning assets | $218,339,750 | 2,739 |
| Average equity | $12,996,750 | 4,537 |
| Average total loans | $12,567,000 | 7,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5857% | 58 |
| Cost of funding earning assets | 3.1247% | 326 |
| Net interest margin | 5.4610% | 189 |
| Noninterest income to average assets | 0.0717% | 7,626 |
| Noninterest expense to average assets | 0.6415% | 8,158 |
| Loan and lease loss provision to assets | 0.0155% | 7,068 |
| Net operating income to assets | 4.6779% | 27 |
| Return on assets (ROA) | 4.6779% | 30 |
| Pretax return on assets | 4.6779% | 43 |
| Return on Equity (ROE) | 87.1855% | 9 |
| Retained earnings to average equity (ytd only) | 8.8505% | 975 |
| Net charge-offs to loans | -0.8032% | 8,121 |
| Credit loss provision to net charge-offs | -36.0000% | 6,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.0246% | 8,159 |
| Assets per employee ($millions) | 22.8202% | 70 |
| Cash dividends to net income (ytd only)* | 89.8487% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,031 |
| Loan loss allowance to noncurrent loans | 52.8947% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 7,068 |
| Noncurrent loans to loans | 2.8933% | 2,493 |
| Net loans and leases to total assets | 6.2970% | 8,121 |
| Net loans and leases to deposits | 8.8752% | 8,124 |
| Net loans and leases to core deposits | 10.8431% | 8,113 |
| Total domestic deposits to total assets | 70.9512% | 7,373 |
| Equity capital to assets | 2.6307% | 8,127 |
| Core capital (leverage) ratio | 9.2551% | 4,229 |
| Tier 1 risk-based capital ratio | 4.2538% | 8,121 |
| Total risk-based capital ratio | 4.2958% | 8,140 |
| Memoranda: | ||
| Average total assets | $231,644,330 | 2,840 |
| Average earning assets | $223,255,000 | 2,707 |
| Average equity | $12,428,670 | 4,697 |
| Average total loans | $12,450,330 | 7,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5734% | 154 |
| Cost of funding earning assets | 2.9891% | 618 |
| Net interest margin | 4.5844% | 964 |
| Noninterest income to average assets | 0.0654% | 7,742 |
| Noninterest expense to average assets | 0.5638% | 8,213 |
| Loan and lease loss provision to assets | 0.0049% | 6,724 |
| Net operating income to assets | 3.9203% | 36 |
| Return on assets (ROA) | 3.9203% | 40 |
| Pretax return on assets | 3.9203% | 63 |
| Return on Equity (ROE) | 60.1951% | 18 |
| Retained earnings to average equity (ytd only) | -36.8598% | 7,932 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5592% | 8,205 |
| Assets per employee ($millions) | 27.5640% | 61 |
| Cash dividends to net income (ytd only)* | 161.2338% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 5,987 |
| Loan loss allowance to noncurrent loans | 42.2360% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 7,200 |
| Noncurrent loans to loans | 2.4271% | 2,713 |
| Net loans and leases to total assets | 5.2931% | 8,177 |
| Net loans and leases to deposits | 8.9687% | 8,177 |
| Net loans and leases to core deposits | 12.1370% | 8,164 |
| Total domestic deposits to total assets | 59.0178% | 7,989 |
| Equity capital to assets | 5.2222% | 8,100 |
| Core capital (leverage) ratio | 7.4700% | 7,190 |
| Tier 1 risk-based capital ratio | 5.4886% | 8,159 |
| Total risk-based capital ratio | 5.5296% | 8,195 |
| Memoranda: | ||
| Average total assets | $244,775,500 | 2,712 |
| Average earning assets | $236,194,500 | 2,571 |
| Average equity | $15,941,500 | 3,953 |
| Average total loans | $12,108,500 | 7,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 5,476 |
| Cost of funding earning assets | 3.3622% | 783 |
| Net interest margin | 2.6541% | 7,569 |
| Noninterest income to average assets | 0.0695% | 7,797 |
| Noninterest expense to average assets | 0.6190% | 8,250 |
| Loan and lease loss provision to assets | 0.0052% | 7,293 |
| Net operating income to assets | 2.0082% | 348 |
| Return on assets (ROA) | 2.0082% | 329 |
| Pretax return on assets | 2.0082% | 594 |
| Return on Equity (ROE) | 26.9699% | 98 |
| Retained earnings to average equity (ytd only) | 7.6882% | 929 |
| Net charge-offs to loans | 0.4154% | 2,737 |
| Credit loss provision to net charge-offs | 21.4286% | 6,574 |
| Earnings coverage of net charge-offs (x) | 82.7143% | 506 |
| Efficiency ratio | 23.5139% | 8,250 |
| Assets per employee ($millions) | 20.1229% | 76 |
| Cash dividends to net income (ytd only)* | 71.4935% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,423 |
| Loan loss allowance to noncurrent loans | 40.7975% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 7,040 |
| Noncurrent loans to loans | 2.9772% | 1,804 |
| Net loans and leases to total assets | 4.4796% | 8,233 |
| Net loans and leases to deposits | 7.3723% | 8,235 |
| Net loans and leases to core deposits | 8.8342% | 8,227 |
| Total domestic deposits to total assets | 60.7616% | 7,936 |
| Equity capital to assets | 7.8385% | 7,056 |
| Core capital (leverage) ratio | 8.3384% | 5,873 |
| Tier 1 risk-based capital ratio | 9.6352% | 7,166 |
| Total risk-based capital ratio | 9.7002% | 8,056 |
| Memoranda: | ||
| Average total assets | $230,054,000 | 2,763 |
| Average earning assets | $222,146,000 | 2,631 |
| Average equity | $17,130,200 | 3,711 |
| Average total loans | $13,481,400 | 7,738 |