Home > American Bank and Trust Company > Performance and Condition Ratios
American Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7400% | 467 |
| Cost of funding earning assets | 2.0262% | 1,869 |
| Net interest margin | 4.7138% | 456 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.1398% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0130% | 454 |
| Return on assets (ROA) | 2.0130% | 453 |
| Pretax return on assets | 2.6770% | 260 |
| Return on Equity (ROE) | 13.6900% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.6908% | 670 |
| Net charge-offs to loans | 0.1225% | 742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 35.3103% | 1,151 |
| Efficiency ratio | 44.4233% | 4,156 |
| Assets per employee ($millions) | 7.4778% | 1,903 |
| Cash dividends to net income (ytd only)* | 7.2727% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5459% | 4,221 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 63.1100% | 2,597 |
| Net loans and leases to deposits | 75.9554% | 2,407 |
| Net loans and leases to core deposits | 90.7751% | 1,995 |
| Total domestic deposits to total assets | 83.0800% | 3,101 |
| Equity capital to assets | 15.0099% | 563 |
| Core capital (leverage) ratio | 14.7022% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $306,011,000 | 2,455 |
| Average earning assets | $283,086,500 | 2,462 |
| Average equity | $45,009,000 | 1,881 |
| Average total loans | $189,387,500 | 2,481 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6148% | 613 |
| Cost of funding earning assets | 2.1950% | 1,750 |
| Net interest margin | 4.4198% | 722 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.2761% | 2,927 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.6438% | 721 |
| Return on assets (ROA) | 1.6444% | 712 |
| Pretax return on assets | 2.1805% | 444 |
| Return on Equity (ROE) | 12.2100% | 1,561 |
| Retained earnings to average equity (ytd only) | 11.1061% | 421 |
| Net charge-offs to loans | -0.0043% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 50.4827% | 3,964 |
| Assets per employee ($millions) | 7.2722% | 1,987 |
| Cash dividends to net income (ytd only)* | 9.0235% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 4,178 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,583 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 59.9500% | 2,941 |
| Net loans and leases to deposits | 71.5310% | 2,824 |
| Net loans and leases to core deposits | 86.0740% | 2,390 |
| Total domestic deposits to total assets | 83.8100% | 2,830 |
| Equity capital to assets | 14.4137% | 622 |
| Core capital (leverage) ratio | 14.3273% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $303,280,000 | 2,446 |
| Average earning assets | $281,368,200 | 2,450 |
| Average equity | $40,851,400 | 1,952 |
| Average total loans | $164,603,200 | 2,615 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3538% | 831 |
| Cost of funding earning assets | 2.1773% | 1,793 |
| Net interest margin | 4.1765% | 926 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.2690% | 2,893 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.4582% | 993 |
| Return on assets (ROA) | 1.4582% | 992 |
| Pretax return on assets | 1.9329% | 713 |
| Return on Equity (ROE) | 11.0200% | 1,889 |
| Retained earnings to average equity (ytd only) | 9.8987% | 878 |
| Net charge-offs to loans | 0.0476% | 1,433 |
| Credit loss provision to net charge-offs | 210.5263% | 1,056 |
| Earnings coverage of net charge-offs (x) | 79.1053% | 929 |
| Efficiency ratio | 53.3278% | 3,783 |
| Assets per employee ($millions) | 7.1423% | 2,039 |
| Cash dividends to net income (ytd only)* | 10.1782% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 4,243 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 53.5800% | 3,446 |
| Net loans and leases to deposits | 63.1548% | 3,413 |
| Net loans and leases to core deposits | 75.8436% | 3,074 |
| Total domestic deposits to total assets | 84.8400% | 2,352 |
| Equity capital to assets | 13.3346% | 874 |
| Core capital (leverage) ratio | 14.1714% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $302,742,250 | 2,445 |
| Average earning assets | $280,895,250 | 2,449 |
| Average equity | $40,058,250 | 1,979 |
| Average total loans | $159,695,500 | 2,653 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 796 |
| Cost of funding earning assets | 2.1556% | 1,753 |
| Net interest margin | 4.1637% | 938 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.3047% | 2,781 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.4400% | 1,013 |
| Return on assets (ROA) | 1.4400% | 1,014 |
| Pretax return on assets | 1.9095% | 732 |
| Return on Equity (ROE) | 10.9100% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.7738% | 928 |
| Net charge-offs to loans | 0.0760% | 1,030 |
| Credit loss provision to net charge-offs | 50.8475% | 1,816 |
| Earnings coverage of net charge-offs (x) | 48.4915% | 1,137 |
| Efficiency ratio | 54.4282% | 3,714 |
| Assets per employee ($millions) | 6.8962% | 2,143 |
| Cash dividends to net income (ytd only)* | 10.4450% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5547% | 4,286 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.8600% | 3,276 |
| Net loans and leases to deposits | 66.0857% | 3,251 |
| Net loans and leases to core deposits | 79.2689% | 2,843 |
| Total domestic deposits to total assets | 84.5300% | 2,451 |
| Equity capital to assets | 13.6277% | 746 |
| Core capital (leverage) ratio | 14.2462% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $296,521,333 | 2,469 |
| Average earning assets | $275,187,333 | 2,473 |
| Average equity | $39,125,000 | 1,988 |
| Average total loans | $155,186,667 | 2,672 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 966 |
| Cost of funding earning assets | 2.1357% | 1,694 |
| Net interest margin | 3.9384% | 1,166 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.1908% | 3,095 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.3692% | 1,112 |
| Return on assets (ROA) | 1.3692% | 1,121 |
| Pretax return on assets | 1.8185% | 821 |
| Return on Equity (ROE) | 10.5500% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.3862% | 1,230 |
| Net charge-offs to loans | 0.0107% | 1,693 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 271 |
| Efficiency ratio | 54.0973% | 3,755 |
| Assets per employee ($millions) | 6.8405% | 2,178 |
| Cash dividends to net income (ytd only)* | 11.0345% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 49.6300% | 3,627 |
| Net loans and leases to deposits | 58.2854% | 3,610 |
| Net loans and leases to core deposits | 69.2324% | 3,368 |
| Total domestic deposits to total assets | 85.1500% | 2,367 |
| Equity capital to assets | 12.9532% | 868 |
| Core capital (leverage) ratio | 13.8987% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $296,514,500 | 2,482 |
| Average earning assets | $275,138,000 | 2,483 |
| Average equity | $38,482,000 | 2,004 |
| Average total loans | $149,489,500 | 2,715 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9945% | 639 |
| Cost of funding earning assets | 1.7631% | 1,315 |
| Net interest margin | 4.2314% | 891 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.2585% | 2,961 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.4763% | 1,064 |
| Return on assets (ROA) | 1.4282% | 1,132 |
| Pretax return on assets | 1.8523% | 819 |
| Return on Equity (ROE) | 11.9000% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.6123% | 874 |
| Net charge-offs to loans | 0.2618% | 407 |
| Credit loss provision to net charge-offs | 199.2105% | 1,229 |
| Earnings coverage of net charge-offs (x) | 16.6289% | 2,000 |
| Efficiency ratio | 50.9585% | 3,914 |
| Assets per employee ($millions) | 7.4883% | 1,737 |
| Cash dividends to net income (ytd only)* | 10.8382% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6419% | 4,197 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.5600% | 3,562 |
| Net loans and leases to deposits | 59.5142% | 3,554 |
| Net loans and leases to core deposits | 71.3303% | 3,230 |
| Total domestic deposits to total assets | 84.9600% | 2,326 |
| Equity capital to assets | 13.0038% | 861 |
| Core capital (leverage) ratio | 13.6149% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $290,724,400 | 2,468 |
| Average earning assets | $267,593,400 | 2,477 |
| Average equity | $34,884,200 | 2,057 |
| Average total loans | $145,126,000 | 2,712 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7711% | 714 |
| Cost of funding earning assets | 1.6622% | 1,253 |
| Net interest margin | 4.1090% | 1,053 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.2117% | 3,049 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.3681% | 1,387 |
| Return on assets (ROA) | 1.3039% | 1,524 |
| Pretax return on assets | 1.7231% | 1,128 |
| Return on Equity (ROE) | 11.1000% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.7835% | 1,463 |
| Net charge-offs to loans | 0.3457% | 253 |
| Credit loss provision to net charge-offs | 202.4064% | 1,111 |
| Earnings coverage of net charge-offs (x) | 12.5321% | 2,065 |
| Efficiency ratio | 50.6839% | 3,862 |
| Assets per employee ($millions) | 7.0143% | 1,950 |
| Cash dividends to net income (ytd only)* | 11.8662% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 4,171 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.2800% | 3,598 |
| Net loans and leases to deposits | 58.9017% | 3,562 |
| Net loans and leases to core deposits | 69.6411% | 3,223 |
| Total domestic deposits to total assets | 85.3700% | 2,392 |
| Equity capital to assets | 12.6199% | 887 |
| Core capital (leverage) ratio | 14.0095% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $290,394,250 | 2,476 |
| Average earning assets | $266,954,000 | 2,482 |
| Average equity | $34,111,000 | 2,078 |
| Average total loans | $144,253,250 | 2,725 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7683% | 578 |
| Cost of funding earning assets | 1.6236% | 1,011 |
| Net interest margin | 4.1447% | 1,011 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.1712% | 3,163 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.4471% | 1,221 |
| Return on assets (ROA) | 1.3519% | 1,434 |
| Pretax return on assets | 1.7864% | 1,039 |
| Return on Equity (ROE) | 11.7900% | 2,219 |
| Retained earnings to average equity (ytd only) | 10.4517% | 1,293 |
| Net charge-offs to loans | 0.5159% | 161 |
| Credit loss provision to net charge-offs | 148.6631% | 1,207 |
| Earnings coverage of net charge-offs (x) | 8.9733% | 2,038 |
| Efficiency ratio | 48.7164% | 4,021 |
| Assets per employee ($millions) | 7.0103% | 1,919 |
| Cash dividends to net income (ytd only)* | 11.3350% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 4,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.0200% | 3,488 |
| Net loans and leases to deposits | 59.4963% | 3,454 |
| Net loans and leases to core deposits | 73.3007% | 2,941 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 12.3088% | 970 |
| Core capital (leverage) ratio | 12.7301% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $293,668,333 | 2,462 |
| Average earning assets | $269,405,667 | 2,477 |
| Average equity | $33,678,667 | 2,112 |
| Average total loans | $144,991,333 | 2,714 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 575 |
| Cost of funding earning assets | 1.3974% | 1,029 |
| Net interest margin | 4.1488% | 1,031 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.1299% | 3,304 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.4681% | 1,244 |
| Return on assets (ROA) | 1.4039% | 1,372 |
| Pretax return on assets | 1.8555% | 981 |
| Return on Equity (ROE) | 12.6800% | 2,057 |
| Retained earnings to average equity (ytd only) | 11.3288% | 1,392 |
| Net charge-offs to loans | -0.0275% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5814% | 3,975 |
| Assets per employee ($millions) | 7.5360% | 1,599 |
| Cash dividends to net income (ytd only)* | 10.6262% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5148% | 4,426 |
| 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 | 47.4700% | 3,668 |
| Net loans and leases to deposits | 57.1496% | 3,500 |
| Net loans and leases to core deposits | 71.5935% | 2,844 |
| Total domestic deposits to total assets | 83.0700% | 3,281 |
| Equity capital to assets | 11.0581% | 1,323 |
| Core capital (leverage) ratio | 12.0438% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $300,297,500 | 2,470 |
| Average earning assets | $276,514,500 | 2,470 |
| Average equity | $33,260,500 | 2,154 |
| Average total loans | $145,581,000 | 2,745 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 726 |
| Cost of funding earning assets | 0.4262% | 1,892 |
| Net interest margin | 4.0691% | 705 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1431% | 3,184 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.3170% | 1,371 |
| Return on assets (ROA) | 1.3264% | 1,308 |
| Pretax return on assets | 1.7614% | 799 |
| Return on Equity (ROE) | 12.1000% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.7055% | 960 |
| Net charge-offs to loans | 0.4824% | 156 |
| Credit loss provision to net charge-offs | 93.6037% | 1,611 |
| Earnings coverage of net charge-offs (x) | 8.9797% | 2,240 |
| Efficiency ratio | 52.3194% | 3,953 |
| Assets per employee ($millions) | 6.9457% | 2,011 |
| Cash dividends to net income (ytd only)* | 11.5119% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4022% | 4,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.0700% | 3,578 |
| Net loans and leases to deposits | 59.4242% | 3,367 |
| Net loans and leases to core deposits | 73.9812% | 2,563 |
| Total domestic deposits to total assets | 82.5800% | 3,519 |
| Equity capital to assets | 11.1257% | 1,210 |
| Core capital (leverage) ratio | 12.9034% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $294,714,200 | 2,475 |
| Average earning assets | $271,679,800 | 2,482 |
| Average equity | $32,310,400 | 2,229 |
| Average total loans | $132,864,400 | 2,794 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 1,386 |
| Cost of funding earning assets | 0.3258% | 1,903 |
| Net interest margin | 3.6136% | 1,361 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1435% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1251% | 1,984 |
| Return on assets (ROA) | 1.1376% | 1,911 |
| Pretax return on assets | 1.5492% | 1,270 |
| Return on Equity (ROE) | 10.4100% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.0225% | 1,644 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2965% | 3,350 |
| Assets per employee ($millions) | 7.3687% | 1,696 |
| Cash dividends to net income (ytd only)* | 13.3677% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4712% | 4,502 |
| Loan loss allowance to noncurrent loans | 38.4807% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 987 |
| Noncurrent loans to loans | 1.2246% | 599 |
| Net loans and leases to total assets | 44.2800% | 3,859 |
| Net loans and leases to deposits | 50.6928% | 3,810 |
| Net loans and leases to core deposits | 60.5370% | 3,343 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 10.4927% | 1,369 |
| Core capital (leverage) ratio | 12.5295% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $295,462,750 | 2,493 |
| Average earning assets | $272,962,250 | 2,495 |
| Average equity | $32,274,000 | 2,264 |
| Average total loans | $130,149,250 | 2,826 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 1,366 |
| Cost of funding earning assets | 0.2652% | 2,086 |
| Net interest margin | 3.5084% | 1,291 |
| Noninterest income to average assets | 0.3301% | 3,186 |
| Noninterest expense to average assets | 2.0899% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1004% | 1,769 |
| Return on assets (ROA) | 1.1004% | 1,745 |
| Pretax return on assets | 1.4887% | 1,203 |
| Return on Equity (ROE) | 9.9441% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.5689% | 1,408 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4011% | 3,502 |
| Assets per employee ($millions) | 6.5257% | 2,294 |
| Cash dividends to net income (ytd only)* | 13.8291% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4931% | 4,556 |
| Loan loss allowance to noncurrent loans | 64.0415% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 1,595 |
| Noncurrent loans to loans | 0.7700% | 1,114 |
| Net loans and leases to total assets | 45.5006% | 3,736 |
| Net loans and leases to deposits | 51.8104% | 3,702 |
| Net loans and leases to core deposits | 62.8241% | 3,047 |
| Total domestic deposits to total assets | 87.8214% | 2,644 |
| Equity capital to assets | 11.6631% | 976 |
| Core capital (leverage) ratio | 12.7082% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,701,333 | 2,508 |
| Average earning assets | $273,798,333 | 2,517 |
| Average equity | $32,723,000 | 2,288 |
| Average total loans | $129,817,000 | 2,843 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 876 |
| Cost of funding earning assets | 0.2499% | 2,166 |
| Net interest margin | 3.6821% | 772 |
| Noninterest income to average assets | 0.3093% | 3,249 |
| Noninterest expense to average assets | 1.9875% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2841% | 1,036 |
| Return on assets (ROA) | 1.2841% | 1,027 |
| Pretax return on assets | 1.7448% | 626 |
| Return on Equity (ROE) | 11.8907% | 1,351 |
| Retained earnings to average equity (ytd only) | 10.5373% | 895 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2517% | 4,105 |
| Assets per employee ($millions) | 7.5755% | 1,644 |
| Cash dividends to net income (ytd only)* | 11.3821% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 4,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.7753% | 3,895 |
| Net loans and leases to deposits | 47.1337% | 3,922 |
| Net loans and leases to core deposits | 55.7295% | 3,467 |
| Total domestic deposits to total assets | 88.6315% | 2,243 |
| Equity capital to assets | 10.6821% | 1,500 |
| Core capital (leverage) ratio | 11.3905% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,513,000 | 2,468 |
| Average earning assets | $284,945,500 | 2,482 |
| Average equity | $33,101,500 | 2,326 |
| Average total loans | $132,063,000 | 2,827 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 1,976 |
| Cost of funding earning assets | 0.2629% | 2,774 |
| Net interest margin | 3.4898% | 1,767 |
| Noninterest income to average assets | 0.3516% | 3,331 |
| Noninterest expense to average assets | 1.8685% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2950% | 1,613 |
| Return on assets (ROA) | 1.2965% | 1,659 |
| Pretax return on assets | 1.7167% | 1,106 |
| Return on Equity (ROE) | 12.4563% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.0771% | 689 |
| Net charge-offs to loans | -0.0007% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1457% | 4,104 |
| Assets per employee ($millions) | 7.7501% | 1,465 |
| Cash dividends to net income (ytd only)* | 11.0728% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4514% | 4,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.9677% | 3,841 |
| Net loans and leases to deposits | 49.9026% | 3,890 |
| Net loans and leases to core deposits | 58.9682% | 3,393 |
| Total domestic deposits to total assets | 88.1070% | 1,987 |
| Equity capital to assets | 10.9140% | 1,844 |
| Core capital (leverage) ratio | 10.7882% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,456,600 | 2,374 |
| Average earning assets | $290,271,000 | 2,376 |
| Average equity | $32,626,000 | 2,401 |
| Average total loans | $145,131,400 | 2,676 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 1,686 |
| Cost of funding earning assets | 0.2626% | 2,989 |
| Net interest margin | 3.6648% | 1,419 |
| Noninterest income to average assets | 0.3529% | 3,342 |
| Noninterest expense to average assets | 1.8333% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3974% | 1,553 |
| Return on assets (ROA) | 1.3994% | 1,605 |
| Pretax return on assets | 1.9080% | 935 |
| Return on Equity (ROE) | 13.6077% | 1,514 |
| Retained earnings to average equity (ytd only) | 12.2177% | 794 |
| Net charge-offs to loans | -0.0009% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0356% | 4,291 |
| Assets per employee ($millions) | 7.5546% | 1,537 |
| Cash dividends to net income (ytd only)* | 10.2152% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4549% | 4,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.6246% | 4,049 |
| Net loans and leases to deposits | 48.2621% | 4,098 |
| Net loans and leases to core deposits | 56.3775% | 3,744 |
| Total domestic deposits to total assets | 88.3190% | 1,655 |
| Equity capital to assets | 10.5918% | 2,375 |
| Core capital (leverage) ratio | 11.0076% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,319,500 | 2,394 |
| Average earning assets | $290,397,500 | 2,403 |
| Average equity | $32,324,000 | 2,442 |
| Average total loans | $147,184,250 | 2,698 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 1,569 |
| Cost of funding earning assets | 0.2640% | 3,150 |
| Net interest margin | 3.7337% | 1,259 |
| Noninterest income to average assets | 0.3721% | 3,253 |
| Noninterest expense to average assets | 1.8013% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4874% | 1,327 |
| Return on assets (ROA) | 1.4904% | 1,381 |
| Pretax return on assets | 2.0317% | 787 |
| Return on Equity (ROE) | 14.6412% | 1,247 |
| Retained earnings to average equity (ytd only) | 13.2304% | 680 |
| Net charge-offs to loans | -0.0013% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0412% | 4,460 |
| Assets per employee ($millions) | 7.3504% | 1,561 |
| Cash dividends to net income (ytd only)* | 9.6360% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4029% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.9586% | 3,345 |
| Net loans and leases to deposits | 59.2472% | 3,450 |
| Net loans and leases to core deposits | 70.1734% | 2,764 |
| Total domestic deposits to total assets | 87.6979% | 1,986 |
| Equity capital to assets | 11.1926% | 1,838 |
| Core capital (leverage) ratio | 10.5576% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,328,333 | 2,393 |
| Average earning assets | $290,114,000 | 2,405 |
| Average equity | $31,896,333 | 2,453 |
| Average total loans | $150,958,000 | 2,674 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 2,214 |
| Cost of funding earning assets | 0.2633% | 3,342 |
| Net interest margin | 3.4982% | 1,828 |
| Noninterest income to average assets | 0.4013% | 3,082 |
| Noninterest expense to average assets | 1.6855% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4361% | 1,481 |
| Return on assets (ROA) | 1.4391% | 1,544 |
| Pretax return on assets | 1.9605% | 1,016 |
| Return on Equity (ROE) | 14.8070% | 1,255 |
| Retained earnings to average equity (ytd only) | 13.3798% | 842 |
| Net charge-offs to loans | -0.0027% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2768% | 4,448 |
| Assets per employee ($millions) | 8.4577% | 1,006 |
| Cash dividends to net income (ytd only)* | 9.6386% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4035% | 4,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.0906% | 4,034 |
| Net loans and leases to deposits | 50.4363% | 4,136 |
| Net loans and leases to core deposits | 58.5103% | 3,804 |
| Total domestic deposits to total assets | 89.4011% | 1,126 |
| Equity capital to assets | 9.3932% | 3,294 |
| Core capital (leverage) ratio | 9.8283% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,985,000 | 2,327 |
| Average earning assets | $299,236,000 | 2,335 |
| Average equity | $31,390,500 | 2,471 |
| Average total loans | $149,745,000 | 2,691 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 3,088 |
| Cost of funding earning assets | 0.5323% | 2,733 |
| Net interest margin | 3.3456% | 2,940 |
| Noninterest income to average assets | 0.3093% | 3,633 |
| Noninterest expense to average assets | 1.8761% | 4,358 |
| Loan and lease loss provision to assets | 0.2512% | 1,539 |
| Net operating income to assets | 0.9490% | 2,483 |
| Return on assets (ROA) | 1.0057% | 2,414 |
| Pretax return on assets | 1.3318% | 1,875 |
| Return on Equity (ROE) | 9.4310% | 2,226 |
| Retained earnings to average equity (ytd only) | 7.9169% | 1,076 |
| Net charge-offs to loans | 0.4688% | 352 |
| Credit loss provision to net charge-offs | 118.0438% | 2,652 |
| Earnings coverage of net charge-offs (x) | 7.1029% | 2,722 |
| Efficiency ratio | 55.3861% | 4,056 |
| Assets per employee ($millions) | 7.5040% | 1,281 |
| Cash dividends to net income (ytd only)* | 16.0542% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 4,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.3604% | 4,016 |
| Net loans and leases to deposits | 53.5185% | 4,134 |
| Net loans and leases to core deposits | 63.2449% | 3,753 |
| Total domestic deposits to total assets | 88.4935% | 1,233 |
| Equity capital to assets | 10.0770% | 3,054 |
| Core capital (leverage) ratio | 10.0740% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,710,800 | 2,406 |
| Average earning assets | $256,426,400 | 2,431 |
| Average equity | $29,721,200 | 2,488 |
| Average total loans | $126,494,200 | 2,900 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 3,793 |
| Cost of funding earning assets | 0.6109% | 2,546 |
| Net interest margin | 3.0928% | 3,756 |
| Noninterest income to average assets | 0.3099% | 3,638 |
| Noninterest expense to average assets | 1.9351% | 4,279 |
| Loan and lease loss provision to assets | 0.1473% | 2,546 |
| Net operating income to assets | 0.7878% | 3,140 |
| Return on assets (ROA) | 0.8654% | 2,976 |
| Pretax return on assets | 1.1679% | 2,498 |
| Return on Equity (ROE) | 7.9905% | 2,812 |
| Retained earnings to average equity (ytd only) | 6.4623% | 1,897 |
| Net charge-offs to loans | 0.2117% | 722 |
| Credit loss provision to net charge-offs | 155.4404% | 2,297 |
| Earnings coverage of net charge-offs (x) | 12.8394% | 2,228 |
| Efficiency ratio | 61.3898% | 3,161 |
| Assets per employee ($millions) | 7.4839% | 1,226 |
| Cash dividends to net income (ytd only)* | 19.1260% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 4,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.6109% | 4,336 |
| Net loans and leases to deposits | 51.5547% | 4,433 |
| Net loans and leases to core deposits | 61.2464% | 4,144 |
| Total domestic deposits to total assets | 88.4709% | 983 |
| Equity capital to assets | 10.0442% | 3,190 |
| Core capital (leverage) ratio | 10.1697% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,473,000 | 2,427 |
| Average earning assets | $249,477,500 | 2,457 |
| Average equity | $29,400,750 | 2,500 |
| Average total loans | $121,536,000 | 2,976 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,218 |
| Cost of funding earning assets | 0.7104% | 2,331 |
| Net interest margin | 3.3312% | 3,306 |
| Noninterest income to average assets | 0.3189% | 3,556 |
| Noninterest expense to average assets | 2.0002% | 4,235 |
| Loan and lease loss provision to assets | 0.2289% | 1,833 |
| Net operating income to assets | 0.8390% | 2,902 |
| Return on assets (ROA) | 0.9589% | 2,588 |
| Pretax return on assets | 1.2930% | 2,049 |
| Return on Equity (ROE) | 8.6160% | 2,526 |
| Retained earnings to average equity (ytd only) | 7.0737% | 1,627 |
| Net charge-offs to loans | 0.3318% | 492 |
| Credit loss provision to net charge-offs | 155.4404% | 2,103 |
| Earnings coverage of net charge-offs (x) | 9.3057% | 2,232 |
| Efficiency ratio | 59.3481% | 3,509 |
| Assets per employee ($millions) | 7.4938% | 1,182 |
| Cash dividends to net income (ytd only)* | 17.8998% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4835% | 4,849 |
| Loan loss allowance to noncurrent loans | 318.0412% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,198 |
| Noncurrent loans to loans | 0.1520% | 3,849 |
| Net loans and leases to total assets | 43.4543% | 4,480 |
| Net loans and leases to deposits | 49.1943% | 4,567 |
| Net loans and leases to core deposits | 58.7618% | 4,316 |
| Total domestic deposits to total assets | 88.3319% | 1,027 |
| Equity capital to assets | 10.1841% | 3,038 |
| Core capital (leverage) ratio | 10.8944% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,178,667 | 2,465 |
| Average earning assets | $240,152,667 | 2,488 |
| Average equity | $29,178,333 | 2,509 |
| Average total loans | $116,329,333 | 3,021 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,591 |
| Cost of funding earning assets | 0.8434% | 2,143 |
| Net interest margin | 3.2317% | 3,780 |
| Noninterest income to average assets | 0.3901% | 3,167 |
| Noninterest expense to average assets | 2.1106% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8989% | 2,527 |
| Return on assets (ROA) | 1.1022% | 1,934 |
| Pretax return on assets | 1.4826% | 1,348 |
| Return on Equity (ROE) | 9.4303% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.8794% | 1,264 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2703% | 3,331 |
| Assets per employee ($millions) | 6.0210% | 1,665 |
| Cash dividends to net income (ytd only)* | 16.4464% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 4,906 |
| Loan loss allowance to noncurrent loans | 127.1820% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,828 |
| Noncurrent loans to loans | 0.3631% | 3,198 |
| Net loans and leases to total assets | 45.6384% | 4,440 |
| Net loans and leases to deposits | 53.2694% | 4,477 |
| Net loans and leases to core deposits | 63.1712% | 4,219 |
| Total domestic deposits to total assets | 85.6748% | 2,142 |
| Equity capital to assets | 12.1935% | 1,927 |
| Core capital (leverage) ratio | 11.5243% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,138,500 | 2,508 |
| Average earning assets | $225,269,000 | 2,534 |
| Average equity | $28,885,500 | 2,523 |
| Average total loans | $110,686,000 | 3,068 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 2,859 |
| Cost of funding earning assets | 0.9221% | 2,101 |
| Net interest margin | 3.6034% | 3,125 |
| Noninterest income to average assets | 0.3988% | 3,298 |
| Noninterest expense to average assets | 2.1460% | 4,277 |
| Loan and lease loss provision to assets | 0.0417% | 3,178 |
| Net operating income to assets | 1.1136% | 2,387 |
| Return on assets (ROA) | 1.1508% | 2,351 |
| Pretax return on assets | 1.5149% | 1,761 |
| Return on Equity (ROE) | 10.2007% | 2,203 |
| Retained earnings to average equity (ytd only) | 8.5369% | 824 |
| Net charge-offs to loans | -0.0051% | 4,351 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7061% | 3,879 |
| Assets per employee ($millions) | 6.4984% | 1,290 |
| Cash dividends to net income (ytd only)* | 16.3103% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4606% | 4,936 |
| Loan loss allowance to noncurrent loans | 194.2966% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,107 |
| Noncurrent loans to loans | 0.2371% | 3,599 |
| Net loans and leases to total assets | 43.5751% | 4,617 |
| Net loans and leases to deposits | 50.5301% | 4,664 |
| Net loans and leases to core deposits | 59.1447% | 4,477 |
| Total domestic deposits to total assets | 86.2360% | 1,964 |
| Equity capital to assets | 11.2076% | 2,807 |
| Core capital (leverage) ratio | 11.6937% | 1,964 |
| Tier 1 risk-based capital ratio | 18.8361% | 1,560 |
| Total risk-based capital ratio | 19.1770% | 1,728 |
| Memoranda: | ||
| Average total assets | $239,744,200 | 2,528 |
| Average earning assets | $216,683,400 | 2,554 |
| Average equity | $27,047,200 | 2,561 |
| Average total loans | $117,048,400 | 2,977 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,444 |
| Cost of funding earning assets | 0.9334% | 2,069 |
| Net interest margin | 3.7580% | 2,724 |
| Noninterest income to average assets | 0.3808% | 3,432 |
| Noninterest expense to average assets | 2.2094% | 4,160 |
| Loan and lease loss provision to assets | 0.0564% | 2,772 |
| Net operating income to assets | 1.1176% | 2,502 |
| Return on assets (ROA) | 1.1408% | 2,492 |
| Pretax return on assets | 1.5335% | 1,858 |
| Return on Equity (ROE) | 10.0941% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.4117% | 1,239 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6052% | 3,849 |
| Assets per employee ($millions) | 5.5625% | 1,973 |
| Cash dividends to net income (ytd only)* | 16.6666% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 5,030 |
| Loan loss allowance to noncurrent loans | 268.6170% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,310 |
| Noncurrent loans to loans | 0.1626% | 3,963 |
| Net loans and leases to total assets | 50.4869% | 4,400 |
| Net loans and leases to deposits | 59.4588% | 4,407 |
| Net loans and leases to core deposits | 70.8762% | 4,006 |
| Total domestic deposits to total assets | 84.9107% | 2,453 |
| Equity capital to assets | 12.1887% | 2,122 |
| Core capital (leverage) ratio | 11.7337% | 2,054 |
| Tier 1 risk-based capital ratio | 17.5262% | 1,939 |
| Total risk-based capital ratio | 17.8468% | 2,160 |
| Memoranda: | ||
| Average total assets | $236,321,250 | 2,565 |
| Average earning assets | $213,124,750 | 2,602 |
| Average equity | $26,708,000 | 2,597 |
| Average total loans | $118,574,000 | 2,985 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 2,535 |
| Cost of funding earning assets | 0.8733% | 2,282 |
| Net interest margin | 3.7689% | 2,698 |
| Noninterest income to average assets | 0.3790% | 3,410 |
| Noninterest expense to average assets | 2.1784% | 4,277 |
| Loan and lease loss provision to assets | 0.0418% | 2,979 |
| Net operating income to assets | 1.1555% | 2,308 |
| Return on assets (ROA) | 1.1561% | 2,376 |
| Pretax return on assets | 1.5568% | 1,675 |
| Return on Equity (ROE) | 10.4917% | 2,178 |
| Retained earnings to average equity (ytd only) | 8.7836% | 1,100 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6872% | 4,049 |
| Assets per employee ($millions) | 5.8800% | 1,632 |
| Cash dividends to net income (ytd only)* | 16.2808% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3711% | 5,131 |
| Loan loss allowance to noncurrent loans | 242.0213% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,362 |
| Noncurrent loans to loans | 0.1533% | 3,995 |
| Net loans and leases to total assets | 51.9354% | 4,358 |
| Net loans and leases to deposits | 61.1540% | 4,369 |
| Net loans and leases to core deposits | 72.3546% | 3,982 |
| Total domestic deposits to total assets | 84.9256% | 2,508 |
| Equity capital to assets | 11.6050% | 2,517 |
| Core capital (leverage) ratio | 11.2271% | 2,397 |
| Tier 1 risk-based capital ratio | 16.3113% | 2,300 |
| Total risk-based capital ratio | 16.5854% | 2,621 |
| Memoranda: | ||
| Average total assets | $239,074,000 | 2,561 |
| Average earning assets | $215,499,670 | 2,597 |
| Average equity | $26,344,670 | 2,610 |
| Average total loans | $119,549,670 | 2,994 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 2,792 |
| Cost of funding earning assets | 0.8143% | 2,452 |
| Net interest margin | 3.7078% | 2,864 |
| Noninterest income to average assets | 0.3817% | 3,313 |
| Noninterest expense to average assets | 2.1526% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1585% | 2,226 |
| Return on assets (ROA) | 1.1585% | 2,280 |
| Pretax return on assets | 1.5618% | 1,567 |
| Return on Equity (ROE) | 10.7926% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.0609% | 1,299 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9535% | 4,083 |
| Assets per employee ($millions) | 5.8863% | 1,633 |
| Cash dividends to net income (ytd only)* | 16.0458% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3402% | 5,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.1603% | 4,518 |
| Net loans and leases to deposits | 57.0196% | 4,547 |
| Net loans and leases to core deposits | 67.7673% | 4,194 |
| Total domestic deposits to total assets | 86.2165% | 2,177 |
| Equity capital to assets | 10.9129% | 2,939 |
| Core capital (leverage) ratio | 10.7428% | 2,809 |
| Tier 1 risk-based capital ratio | 16.0231% | 2,429 |
| Total risk-based capital ratio | 16.2679% | 2,800 |
| Memoranda: | ||
| Average total assets | $241,011,000 | 2,575 |
| Average earning assets | $216,627,000 | 2,612 |
| Average equity | $25,869,500 | 2,653 |
| Average total loans | $118,021,000 | 3,041 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 2,165 |
| Cost of funding earning assets | 0.7679% | 1,697 |
| Net interest margin | 3.8204% | 2,591 |
| Noninterest income to average assets | 0.4955% | 2,852 |
| Noninterest expense to average assets | 2.2993% | 4,124 |
| Loan and lease loss provision to assets | 0.0453% | 3,276 |
| Net operating income to assets | 1.1922% | 2,212 |
| Return on assets (ROA) | 1.1922% | 2,207 |
| Pretax return on assets | 1.5721% | 1,547 |
| Return on Equity (ROE) | 10.8943% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.0303% | 851 |
| Net charge-offs to loans | 0.1292% | 1,462 |
| Credit loss provision to net charge-offs | 71.4286% | 2,971 |
| Earnings coverage of net charge-offs (x) | 25.4857% | 1,769 |
| Efficiency ratio | 58.7037% | 4,049 |
| Assets per employee ($millions) | 6.0171% | 1,507 |
| Cash dividends to net income (ytd only)* | 17.1103% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3462% | 5,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.4409% | 4,606 |
| Net loans and leases to deposits | 56.2794% | 4,651 |
| Net loans and leases to core deposits | 66.7436% | 4,312 |
| Total domestic deposits to total assets | 86.0721% | 2,191 |
| Equity capital to assets | 10.5541% | 3,126 |
| Core capital (leverage) ratio | 11.0178% | 2,508 |
| Tier 1 risk-based capital ratio | 15.6890% | 2,540 |
| Total risk-based capital ratio | 15.9341% | 2,899 |
| Memoranda: | ||
| Average total assets | $220,592,600 | 2,691 |
| Average earning assets | $197,542,400 | 2,740 |
| Average equity | $24,141,000 | 2,710 |
| Average total loans | $108,353,000 | 3,160 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 2,145 |
| Cost of funding earning assets | 0.7168% | 1,762 |
| Net interest margin | 3.8266% | 2,544 |
| Noninterest income to average assets | 0.5653% | 2,494 |
| Noninterest expense to average assets | 2.3002% | 4,098 |
| Loan and lease loss provision to assets | 0.0618% | 2,741 |
| Net operating income to assets | 1.2154% | 2,175 |
| Return on assets (ROA) | 1.2154% | 2,177 |
| Pretax return on assets | 1.6372% | 1,462 |
| Return on Equity (ROE) | 10.9962% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.1104% | 1,178 |
| Net charge-offs to loans | 0.1758% | 946 |
| Credit loss provision to net charge-offs | 71.4286% | 2,620 |
| Earnings coverage of net charge-offs (x) | 19.6217% | 1,995 |
| Efficiency ratio | 57.5162% | 4,184 |
| Assets per employee ($millions) | 5.5925% | 1,833 |
| Cash dividends to net income (ytd only)* | 17.1501% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 5,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 4,012 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.9792% | 4,528 |
| Net loans and leases to deposits | 66.8815% | 4,138 |
| Net loans and leases to core deposits | 80.6234% | 3,445 |
| Total domestic deposits to total assets | 76.2232% | 4,762 |
| Equity capital to assets | 10.9557% | 2,701 |
| Core capital (leverage) ratio | 11.2869% | 2,343 |
| Tier 1 risk-based capital ratio | 15.6683% | 2,577 |
| Total risk-based capital ratio | 15.9184% | 2,961 |
| Memoranda: | ||
| Average total assets | $215,570,000 | 2,741 |
| Average earning assets | $193,446,250 | 2,802 |
| Average equity | $23,825,750 | 2,755 |
| Average total loans | $106,192,750 | 3,227 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,543 |
| Cost of funding earning assets | 0.6671% | 1,830 |
| Net interest margin | 3.6931% | 2,956 |
| Noninterest income to average assets | 0.6361% | 2,152 |
| Noninterest expense to average assets | 2.3001% | 4,143 |
| Loan and lease loss provision to assets | 0.0940% | 2,043 |
| Net operating income to assets | 1.1548% | 2,374 |
| Return on assets (ROA) | 1.1548% | 2,376 |
| Pretax return on assets | 1.5503% | 1,658 |
| Return on Equity (ROE) | 10.4160% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.5091% | 1,405 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3135% | 4,183 |
| Assets per employee ($millions) | 5.1689% | 2,227 |
| Cash dividends to net income (ytd only)* | 18.3076% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 5,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,006 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 47.7511% | 4,735 |
| Net loans and leases to deposits | 56.1205% | 4,747 |
| Net loans and leases to core deposits | 67.2024% | 4,299 |
| Total domestic deposits to total assets | 85.0866% | 2,638 |
| Equity capital to assets | 11.3069% | 2,356 |
| Core capital (leverage) ratio | 11.4238% | 2,139 |
| Tier 1 risk-based capital ratio | 16.1601% | 2,384 |
| Total risk-based capital ratio | 16.5160% | 2,680 |
| Memoranda: | ||
| Average total assets | $212,859,670 | 2,783 |
| Average earning assets | $190,678,000 | 2,846 |
| Average equity | $23,598,330 | 2,787 |
| Average total loans | $103,441,670 | 3,276 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,808 |
| Cost of funding earning assets | 0.6342% | 1,815 |
| Net interest margin | 3.5897% | 3,223 |
| Noninterest income to average assets | 0.5025% | 2,783 |
| Noninterest expense to average assets | 2.2407% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1007% | 2,416 |
| Return on assets (ROA) | 1.1007% | 2,430 |
| Pretax return on assets | 1.4775% | 1,736 |
| Return on Equity (ROE) | 10.0271% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.1139% | 1,795 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2622% | 4,028 |
| Assets per employee ($millions) | 5.3351% | 2,106 |
| Cash dividends to net income (ytd only)* | 19.0801% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4184% | 5,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 4,099 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.6277% | 4,588 |
| Net loans and leases to deposits | 60.3152% | 4,450 |
| Net loans and leases to core deposits | 72.7670% | 3,898 |
| Total domestic deposits to total assets | 82.2806% | 3,876 |
| Equity capital to assets | 11.0147% | 2,560 |
| Core capital (leverage) ratio | 11.3587% | 2,117 |
| Tier 1 risk-based capital ratio | 15.7085% | 2,583 |
| Total risk-based capital ratio | 15.9972% | 2,925 |
| Memoranda: | ||
| Average total assets | $213,327,500 | 2,807 |
| Average earning assets | $191,100,500 | 2,869 |
| Average equity | $23,416,500 | 2,823 |
| Average total loans | $104,292,000 | 3,281 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,498 |
| Cost of funding earning assets | 0.5131% | 2,227 |
| Net interest margin | 3.4605% | 3,654 |
| Noninterest income to average assets | 0.4392% | 3,380 |
| Noninterest expense to average assets | 2.3879% | 4,112 |
| Loan and lease loss provision to assets | 0.0245% | 3,807 |
| Net operating income to assets | 0.8872% | 2,784 |
| Return on assets (ROA) | 0.8139% | 3,141 |
| Pretax return on assets | 1.0007% | 3,565 |
| Return on Equity (ROE) | 7.2600% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.2966% | 1,934 |
| Net charge-offs to loans | 0.0094% | 3,760 |
| Credit loss provision to net charge-offs | 555.5556% | 581 |
| Earnings coverage of net charge-offs (x) | 253.4444% | 330 |
| Efficiency ratio | 68.1558% | 2,865 |
| Assets per employee ($millions) | 5.4679% | 1,970 |
| Cash dividends to net income (ytd only)* | 27.0433% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4353% | 5,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,154 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.7308% | 4,787 |
| Net loans and leases to deposits | 56.4615% | 4,779 |
| Net loans and leases to core deposits | 67.7205% | 4,314 |
| Total domestic deposits to total assets | 84.5369% | 3,025 |
| Equity capital to assets | 10.9388% | 2,691 |
| Core capital (leverage) ratio | 11.0615% | 2,277 |
| Tier 1 risk-based capital ratio | 15.7919% | 2,518 |
| Total risk-based capital ratio | 16.0879% | 2,848 |
| Memoranda: | ||
| Average total assets | $204,447,600 | 2,880 |
| Average earning assets | $181,042,800 | 2,952 |
| Average equity | $22,920,200 | 2,869 |
| Average total loans | $95,439,200 | 3,427 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 3,561 |
| Cost of funding earning assets | 0.4785% | 2,443 |
| Net interest margin | 3.4608% | 3,635 |
| Noninterest income to average assets | 0.9711% | 1,092 |
| Noninterest expense to average assets | 2.8565% | 2,546 |
| Loan and lease loss provision to assets | 0.0330% | 3,465 |
| Net operating income to assets | 0.7060% | 3,950 |
| Return on assets (ROA) | 0.7060% | 4,014 |
| Pretax return on assets | 1.1425% | 3,143 |
| Return on Equity (ROE) | 6.2579% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.2888% | 3,349 |
| Net charge-offs to loans | 0.0142% | 3,237 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 178.3398% | 478 |
| Efficiency ratio | 70.8470% | 2,390 |
| Assets per employee ($millions) | 5.1902% | 2,235 |
| Cash dividends to net income (ytd only)* | 31.4659% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 4,285 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 44.7664% | 4,995 |
| Net loans and leases to deposits | 53.9973% | 4,966 |
| Net loans and leases to core deposits | 62.7030% | 4,665 |
| Total domestic deposits to total assets | 82.9049% | 3,487 |
| Equity capital to assets | 11.1508% | 2,718 |
| Core capital (leverage) ratio | 11.3524% | 2,139 |
| Tier 1 risk-based capital ratio | 16.7366% | 2,237 |
| Total risk-based capital ratio | 17.0561% | 2,523 |
| Memoranda: | ||
| Average total assets | $202,247,000 | 2,932 |
| Average earning assets | $178,875,500 | 3,000 |
| Average equity | $22,818,500 | 2,899 |
| Average total loans | $93,741,250 | 3,488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,613 |
| Cost of funding earning assets | 0.4380% | 2,716 |
| Net interest margin | 3.4455% | 3,609 |
| Noninterest income to average assets | 0.9997% | 1,018 |
| Noninterest expense to average assets | 2.8884% | 2,461 |
| Loan and lease loss provision to assets | 0.0499% | 2,991 |
| Net operating income to assets | 0.6774% | 3,949 |
| Return on assets (ROA) | 0.6774% | 4,014 |
| Pretax return on assets | 1.0985% | 3,186 |
| Return on Equity (ROE) | 5.9803% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.9986% | 3,327 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5522% | 2,425 |
| Assets per employee ($millions) | 5.1183% | 2,250 |
| Cash dividends to net income (ytd only)* | 33.1370% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5108% | 5,508 |
| Loan loss allowance to noncurrent loans | 4,540.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,257 |
| Noncurrent loans to loans | 0.0113% | 5,134 |
| Net loans and leases to total assets | 43.1942% | 5,088 |
| Net loans and leases to deposits | 52.1615% | 5,051 |
| Net loans and leases to core deposits | 58.3051% | 4,908 |
| Total domestic deposits to total assets | 82.8087% | 3,625 |
| Equity capital to assets | 11.2167% | 2,574 |
| Core capital (leverage) ratio | 11.3801% | 2,067 |
| Tier 1 risk-based capital ratio | 17.8069% | 1,917 |
| Total risk-based capital ratio | 18.1581% | 2,137 |
| Memoranda: | ||
| Average total assets | $200,459,670 | 2,966 |
| Average earning assets | $176,694,000 | 3,033 |
| Average equity | $22,708,000 | 2,911 |
| Average total loans | $93,860,670 | 3,501 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 3,380 |
| Cost of funding earning assets | 0.4125% | 2,879 |
| Net interest margin | 3.4927% | 3,298 |
| Noninterest income to average assets | 0.9963% | 1,013 |
| Noninterest expense to average assets | 2.9043% | 2,444 |
| Loan and lease loss provision to assets | 0.1008% | 1,878 |
| Net operating income to assets | 0.6656% | 3,852 |
| Return on assets (ROA) | 0.6656% | 3,893 |
| Pretax return on assets | 1.0649% | 3,110 |
| Return on Equity (ROE) | 5.8459% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.8618% | 3,522 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3578% | 2,685 |
| Assets per employee ($millions) | 4.9738% | 2,481 |
| Cash dividends to net income (ytd only)* | 33.9394% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4856% | 5,608 |
| Loan loss allowance to noncurrent loans | 440.7767% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 4,524 |
| Noncurrent loans to loans | 0.1102% | 4,753 |
| Net loans and leases to total assets | 45.6241% | 4,961 |
| Net loans and leases to deposits | 55.2813% | 4,858 |
| Net loans and leases to core deposits | 61.7723% | 4,673 |
| Total domestic deposits to total assets | 82.5308% | 3,999 |
| Equity capital to assets | 11.1418% | 2,491 |
| Core capital (leverage) ratio | 11.6980% | 1,830 |
| Tier 1 risk-based capital ratio | 17.7274% | 1,970 |
| Total risk-based capital ratio | 18.0806% | 2,207 |
| Memoranda: | ||
| Average total assets | $198,324,000 | 3,013 |
| Average earning assets | $174,537,000 | 3,081 |
| Average equity | $22,580,000 | 2,938 |
| Average total loans | $96,348,000 | 3,475 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 2,821 |
| Cost of funding earning assets | 0.4131% | 2,880 |
| Net interest margin | 3.6939% | 2,717 |
| Noninterest income to average assets | 1.0671% | 992 |
| Noninterest expense to average assets | 3.0526% | 2,170 |
| Loan and lease loss provision to assets | 0.0519% | 3,352 |
| Net operating income to assets | 0.7258% | 3,661 |
| Return on assets (ROA) | 0.8390% | 3,220 |
| Pretax return on assets | 1.3710% | 2,040 |
| Return on Equity (ROE) | 7.2566% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,173 |
| Net charge-offs to loans | -0.0328% | 5,281 |
| Credit loss provision to net charge-offs | -322.5806% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0133% | 2,746 |
| Assets per employee ($millions) | 4.7006% | 2,785 |
| Cash dividends to net income (ytd only)* | 27.8121% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4072% | 5,732 |
| Loan loss allowance to noncurrent loans | 106.3158% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 3,952 |
| Noncurrent loans to loans | 0.3831% | 3,762 |
| Net loans and leases to total assets | 51.2648% | 4,667 |
| Net loans and leases to deposits | 64.5361% | 4,361 |
| Net loans and leases to core deposits | 72.4785% | 4,055 |
| Total domestic deposits to total assets | 79.4358% | 4,688 |
| Equity capital to assets | 11.6431% | 2,050 |
| Core capital (leverage) ratio | 11.7493% | 1,761 |
| Tier 1 risk-based capital ratio | 17.0445% | 2,143 |
| Total risk-based capital ratio | 17.3497% | 2,445 |
| Memoranda: | ||
| Average total assets | $192,850,400 | 3,039 |
| Average earning assets | $168,709,600 | 3,134 |
| Average equity | $22,296,800 | 2,964 |
| Average total loans | $94,511,000 | 3,490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 2,958 |
| Cost of funding earning assets | 0.4069% | 2,959 |
| Net interest margin | 3.6707% | 2,825 |
| Noninterest income to average assets | 1.0873% | 957 |
| Noninterest expense to average assets | 3.1168% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7152% | 3,764 |
| Return on assets (ROA) | 0.8634% | 3,213 |
| Pretax return on assets | 1.4136% | 1,991 |
| Return on Equity (ROE) | 7.4807% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.4623% | 2,511 |
| Net charge-offs to loans | -0.0443% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5036% | 2,497 |
| Assets per employee ($millions) | 4.5746% | 2,965 |
| Cash dividends to net income (ytd only)* | 26.9815% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3005% | 5,860 |
| Loan loss allowance to noncurrent loans | 295.1456% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 4,653 |
| Noncurrent loans to loans | 0.1018% | 4,929 |
| Net loans and leases to total assets | 53.7764% | 4,510 |
| Net loans and leases to deposits | 66.5361% | 4,299 |
| Net loans and leases to core deposits | 75.0634% | 3,913 |
| Total domestic deposits to total assets | 80.8230% | 4,294 |
| Equity capital to assets | 12.1019% | 2,040 |
| Core capital (leverage) ratio | 11.7382% | 1,852 |
| Tier 1 risk-based capital ratio | 16.9585% | 2,239 |
| Total risk-based capital ratio | 17.1896% | 2,587 |
| Memoranda: | ||
| Average total assets | $192,882,250 | 3,041 |
| Average earning assets | $168,757,500 | 3,141 |
| Average equity | $22,261,250 | 2,992 |
| Average total loans | $93,338,000 | 3,526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,263 |
| Cost of funding earning assets | 0.4003% | 3,044 |
| Net interest margin | 3.5934% | 3,121 |
| Noninterest income to average assets | 1.1127% | 905 |
| Noninterest expense to average assets | 3.1121% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6857% | 3,867 |
| Return on assets (ROA) | 0.8271% | 3,320 |
| Pretax return on assets | 1.3573% | 2,181 |
| Return on Equity (ROE) | 7.2799% | 3,378 |
| Retained earnings to average equity (ytd only) | 5.2451% | 2,584 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2527% | 2,475 |
| Assets per employee ($millions) | 4.5304% | 2,966 |
| Cash dividends to net income (ytd only)* | 27.9503% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2980% | 5,941 |
| Loan loss allowance to noncurrent loans | 58.8362% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 4,496 |
| Noncurrent loans to loans | 0.5064% | 3,566 |
| Net loans and leases to total assets | 49.1790% | 4,898 |
| Net loans and leases to deposits | 60.6253% | 4,759 |
| Net loans and leases to core deposits | 68.4083% | 4,444 |
| Total domestic deposits to total assets | 81.1196% | 4,236 |
| Equity capital to assets | 12.1611% | 2,003 |
| Core capital (leverage) ratio | 11.3547% | 2,097 |
| Tier 1 risk-based capital ratio | 17.6967% | 2,017 |
| Total risk-based capital ratio | 17.9165% | 2,318 |
| Memoranda: | ||
| Average total assets | $194,657,000 | 3,044 |
| Average earning assets | $169,864,670 | 3,144 |
| Average equity | $22,115,670 | 3,011 |
| Average total loans | $90,728,670 | 3,592 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,281 |
| Cost of funding earning assets | 0.3926% | 3,163 |
| Net interest margin | 3.5890% | 3,127 |
| Noninterest income to average assets | 1.0487% | 987 |
| Noninterest expense to average assets | 3.0074% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6993% | 3,719 |
| Return on assets (ROA) | 0.8638% | 3,040 |
| Pretax return on assets | 1.4203% | 1,843 |
| Return on Equity (ROE) | 7.8614% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.8138% | 2,463 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1098% | 2,785 |
| Assets per employee ($millions) | 4.9481% | 2,398 |
| Cash dividends to net income (ytd only)* | 26.0465% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2972% | 6,006 |
| Loan loss allowance to noncurrent loans | 58.2090% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 4,609 |
| Noncurrent loans to loans | 0.5105% | 3,649 |
| Net loans and leases to total assets | 46.2793% | 5,095 |
| Net loans and leases to deposits | 56.2784% | 4,964 |
| Net loans and leases to core deposits | 62.8884% | 4,762 |
| Total domestic deposits to total assets | 82.2329% | 4,139 |
| Equity capital to assets | 11.2580% | 2,668 |
| Core capital (leverage) ratio | 10.7935% | 2,629 |
| Tier 1 risk-based capital ratio | 16.5738% | 2,447 |
| Total risk-based capital ratio | 16.7822% | 2,832 |
| Memoranda: | ||
| Average total assets | $199,111,500 | 2,996 |
| Average earning assets | $173,194,500 | 3,118 |
| Average equity | $21,879,000 | 3,032 |
| Average total loans | $90,282,000 | 3,613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,594 |
| Cost of funding earning assets | 0.3865% | 3,303 |
| Net interest margin | 3.2421% | 4,498 |
| Noninterest income to average assets | 1.7583% | 432 |
| Noninterest expense to average assets | 2.7369% | 3,462 |
| Loan and lease loss provision to assets | 0.2351% | 830 |
| Net operating income to assets | 0.9942% | 2,394 |
| Return on assets (ROA) | 1.0186% | 2,345 |
| Pretax return on assets | 1.6882% | 1,029 |
| Return on Equity (ROE) | 10.3443% | 1,866 |
| Retained earnings to average equity (ytd only) | 8.1952% | 854 |
| Net charge-offs to loans | 1.0241% | 197 |
| Credit loss provision to net charge-offs | 55.9284% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.4843% | 3,552 |
| Efficiency ratio | 59.2125% | 5,006 |
| Assets per employee ($millions) | 5.0075% | 2,356 |
| Cash dividends to net income (ytd only)* | 20.7756% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3078% | 6,052 |
| Loan loss allowance to noncurrent loans | 57.7167% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,648 |
| Noncurrent loans to loans | 0.5333% | 3,571 |
| Net loans and leases to total assets | 44.1441% | 5,275 |
| Net loans and leases to deposits | 53.6073% | 5,184 |
| Net loans and leases to core deposits | 59.7048% | 4,998 |
| Total domestic deposits to total assets | 82.3471% | 4,074 |
| Equity capital to assets | 10.7219% | 3,103 |
| Core capital (leverage) ratio | 10.0326% | 3,465 |
| Tier 1 risk-based capital ratio | 16.7365% | 2,383 |
| Total risk-based capital ratio | 16.9501% | 2,767 |
| Memoranda: | ||
| Average total assets | $212,647,800 | 2,812 |
| Average earning assets | $187,838,800 | 2,915 |
| Average equity | $20,939,000 | 3,078 |
| Average total loans | $87,292,000 | 3,646 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,937 |
| Cost of funding earning assets | 0.3893% | 3,332 |
| Net interest margin | 3.1300% | 4,882 |
| Noninterest income to average assets | 1.9907% | 363 |
| Noninterest expense to average assets | 2.6569% | 3,697 |
| Loan and lease loss provision to assets | 0.3090% | 461 |
| Net operating income to assets | 1.0848% | 2,076 |
| Return on assets (ROA) | 1.0995% | 2,091 |
| Pretax return on assets | 1.8250% | 850 |
| Return on Equity (ROE) | 11.4010% | 1,574 |
| Retained earnings to average equity (ytd only) | 9.2413% | 812 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7226% | 5,384 |
| Assets per employee ($millions) | 5.4979% | 1,788 |
| Cash dividends to net income (ytd only)* | 18.9431% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,072 |
| Loan loss allowance to noncurrent loans | 83.2976% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 3,351 |
| Noncurrent loans to loans | 1.5645% | 1,594 |
| Net loans and leases to total assets | 40.1883% | 5,581 |
| Net loans and leases to deposits | 48.0969% | 5,555 |
| Net loans and leases to core deposits | 53.1044% | 5,454 |
| Total domestic deposits to total assets | 83.5568% | 3,587 |
| Equity capital to assets | 9.8793% | 4,305 |
| Core capital (leverage) ratio | 9.6904% | 4,042 |
| Tier 1 risk-based capital ratio | 16.3652% | 2,643 |
| Total risk-based capital ratio | 17.2692% | 2,733 |
| Memoranda: | ||
| Average total assets | $215,734,500 | 2,808 |
| Average earning assets | $191,434,750 | 2,902 |
| Average equity | $20,804,750 | 3,119 |
| Average total loans | $86,941,500 | 3,700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 4,935 |
| Cost of funding earning assets | 0.3979% | 3,297 |
| Net interest margin | 3.1211% | 4,914 |
| Noninterest income to average assets | 2.5324% | 268 |
| Noninterest expense to average assets | 2.7162% | 3,539 |
| Loan and lease loss provision to assets | 0.4665% | 224 |
| Net operating income to assets | 1.2730% | 1,395 |
| Return on assets (ROA) | 1.2783% | 1,446 |
| Pretax return on assets | 2.1247% | 476 |
| Return on Equity (ROE) | 13.3674% | 1,043 |
| Retained earnings to average equity (ytd only) | 11.1720% | 482 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2590% | 5,774 |
| Assets per employee ($millions) | 5.1290% | 2,120 |
| Cash dividends to net income (ytd only)* | 16.4234% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 3,387 |
| Loan loss allowance to noncurrent loans | 82.1253% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 3,376 |
| Noncurrent loans to loans | 1.5481% | 1,711 |
| Net loans and leases to total assets | 43.0940% | 5,432 |
| Net loans and leases to deposits | 51.8326% | 5,393 |
| Net loans and leases to core deposits | 57.4238% | 5,225 |
| Total domestic deposits to total assets | 83.1407% | 3,893 |
| Equity capital to assets | 10.0463% | 3,984 |
| Core capital (leverage) ratio | 9.9756% | 3,639 |
| Tier 1 risk-based capital ratio | 16.2194% | 2,749 |
| Total risk-based capital ratio | 17.1282% | 2,872 |
| Memoranda: | ||
| Average total assets | $214,341,000 | 2,844 |
| Average earning assets | $190,000,000 | 2,935 |
| Average equity | $20,497,670 | 3,164 |
| Average total loans | $86,073,000 | 3,729 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 5,431 |
| Cost of funding earning assets | 0.4180% | 3,101 |
| Net interest margin | 2.8904% | 5,478 |
| Noninterest income to average assets | 1.0612% | 1,002 |
| Noninterest expense to average assets | 2.5956% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6146% | 4,222 |
| Return on assets (ROA) | 0.6193% | 4,293 |
| Pretax return on assets | 1.0297% | 3,378 |
| Return on Equity (ROE) | 6.6391% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.4195% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7425% | 3,213 |
| Assets per employee ($millions) | 5.2133% | 2,092 |
| Cash dividends to net income (ytd only)* | 33.4328% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 5,677 |
| Loan loss allowance to noncurrent loans | 39.0058% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 3,110 |
| Noncurrent loans to loans | 2.0737% | 1,246 |
| Net loans and leases to total assets | 38.2680% | 5,712 |
| Net loans and leases to deposits | 47.1183% | 5,615 |
| Net loans and leases to core deposits | 52.2278% | 5,473 |
| Total domestic deposits to total assets | 81.2169% | 4,760 |
| Equity capital to assets | 9.5651% | 4,674 |
| Core capital (leverage) ratio | 9.1563% | 4,781 |
| Tier 1 risk-based capital ratio | 16.1580% | 2,844 |
| Total risk-based capital ratio | 16.6994% | 3,113 |
| Memoranda: | ||
| Average total assets | $216,368,000 | 2,840 |
| Average earning assets | $191,394,500 | 2,932 |
| Average equity | $20,183,500 | 3,220 |
| Average total loans | $83,215,500 | 3,814 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 5,804 |
| Cost of funding earning assets | 0.4215% | 3,465 |
| Net interest margin | 2.8046% | 5,797 |
| Noninterest income to average assets | 0.7127% | 2,243 |
| Noninterest expense to average assets | 2.5809% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3647% | 5,339 |
| Return on assets (ROA) | 0.3721% | 5,383 |
| Pretax return on assets | 0.6163% | 4,890 |
| Return on Equity (ROE) | 3.9609% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.6401% | 4,995 |
| Net charge-offs to loans | 0.0201% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 640 |
| Efficiency ratio | 81.0190% | 1,768 |
| Assets per employee ($millions) | 5.3412% | 1,909 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 5,789 |
| Loan loss allowance to noncurrent loans | 32.5525% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 2,875 |
| Noncurrent loans to loans | 2.4402% | 1,055 |
| Net loans and leases to total assets | 38.0385% | 5,849 |
| Net loans and leases to deposits | 45.2447% | 5,827 |
| Net loans and leases to core deposits | 50.1798% | 5,706 |
| Total domestic deposits to total assets | 84.0729% | 3,684 |
| Equity capital to assets | 9.0972% | 5,181 |
| Core capital (leverage) ratio | 9.3351% | 4,485 |
| Tier 1 risk-based capital ratio | 17.2116% | 2,422 |
| Total risk-based capital ratio | 17.7948% | 2,641 |
| Memoranda: | ||
| Average total assets | $206,400,400 | 2,919 |
| Average earning assets | $181,985,800 | 3,013 |
| Average equity | $19,389,400 | 3,232 |
| Average total loans | $79,503,600 | 3,886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1236% | 5,998 |
| Cost of funding earning assets | 0.4243% | 3,529 |
| Net interest margin | 2.6993% | 6,005 |
| Noninterest income to average assets | 0.6488% | 2,580 |
| Noninterest expense to average assets | 2.5846% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2688% | 5,683 |
| Return on assets (ROA) | 0.2755% | 5,728 |
| Pretax return on assets | 0.4533% | 5,459 |
| Return on Equity (ROE) | 2.9081% | 5,567 |
| Retained earnings to average equity (ytd only) | 0.5747% | 5,638 |
| Net charge-offs to loans | 0.0272% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 42.1932% | 1,088 |
| Efficiency ratio | 85.3738% | 1,248 |
| Assets per employee ($millions) | 4.8278% | 2,483 |
| Cash dividends to net income (ytd only)* | 80.2371% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,840 |
| Loan loss allowance to noncurrent loans | 26.1261% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 2,305 |
| Noncurrent loans to loans | 3.1112% | 833 |
| Net loans and leases to total assets | 42.1468% | 5,656 |
| Net loans and leases to deposits | 51.2405% | 5,572 |
| Net loans and leases to core deposits | 57.8221% | 5,341 |
| Total domestic deposits to total assets | 82.2529% | 4,393 |
| Equity capital to assets | 10.0894% | 4,061 |
| Core capital (leverage) ratio | 9.4954% | 4,381 |
| Tier 1 risk-based capital ratio | 17.2234% | 2,511 |
| Total risk-based capital ratio | 17.8141% | 2,740 |
| Memoranda: | ||
| Average total assets | $203,252,750 | 2,976 |
| Average earning assets | $179,105,000 | 3,076 |
| Average equity | $19,256,250 | 3,260 |
| Average total loans | $78,387,500 | 3,949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9945% | 6,186 |
| Cost of funding earning assets | 0.4143% | 3,716 |
| Net interest margin | 2.5802% | 6,198 |
| Noninterest income to average assets | 0.6195% | 2,718 |
| Noninterest expense to average assets | 2.4769% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2490% | 5,718 |
| Return on assets (ROA) | 0.2546% | 5,775 |
| Pretax return on assets | 0.4239% | 5,491 |
| Return on Equity (ROE) | 2.7424% | 5,610 |
| Retained earnings to average equity (ytd only) | 0.3962% | 5,580 |
| Net charge-offs to loans | 0.0441% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 25.2353% | 1,403 |
| Efficiency ratio | 85.6426% | 1,300 |
| Assets per employee ($millions) | 4.7415% | 2,549 |
| Cash dividends to net income (ytd only)* | 85.5513% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 5,838 |
| Loan loss allowance to noncurrent loans | 25.4393% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 1,873 |
| Noncurrent loans to loans | 3.3888% | 806 |
| Net loans and leases to total assets | 38.4591% | 5,926 |
| Net loans and leases to deposits | 46.4559% | 5,856 |
| Net loans and leases to core deposits | 52.2674% | 5,652 |
| Total domestic deposits to total assets | 82.7863% | 4,389 |
| Equity capital to assets | 9.7864% | 4,378 |
| Core capital (leverage) ratio | 9.5291% | 4,286 |
| Tier 1 risk-based capital ratio | 17.4995% | 2,413 |
| Total risk-based capital ratio | 18.1002% | 2,653 |
| Memoranda: | ||
| Average total assets | $206,632,670 | 2,959 |
| Average earning assets | $182,002,330 | 3,052 |
| Average equity | $19,180,330 | 3,256 |
| Average total loans | $77,164,000 | 3,998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8668% | 6,348 |
| Cost of funding earning assets | 0.4114% | 3,841 |
| Net interest margin | 2.4554% | 6,369 |
| Noninterest income to average assets | 0.5780% | 2,868 |
| Noninterest expense to average assets | 2.3843% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2219% | 5,738 |
| Return on assets (ROA) | 0.2244% | 5,782 |
| Pretax return on assets | 0.3537% | 5,587 |
| Return on Equity (ROE) | 2.4808% | 5,634 |
| Retained earnings to average equity (ytd only) | 0.1261% | 5,510 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2045% | 1,318 |
| Assets per employee ($millions) | 5.0293% | 2,222 |
| Cash dividends to net income (ytd only)* | 94.9153% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 5,871 |
| Loan loss allowance to noncurrent loans | 23.7400% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 1,994 |
| Noncurrent loans to loans | 3.7826% | 743 |
| Net loans and leases to total assets | 35.6837% | 6,081 |
| Net loans and leases to deposits | 42.5638% | 6,045 |
| Net loans and leases to core deposits | 47.3194% | 5,910 |
| Total domestic deposits to total assets | 83.8357% | 4,330 |
| Equity capital to assets | 9.0702% | 5,031 |
| Core capital (leverage) ratio | 9.3967% | 4,425 |
| Tier 1 risk-based capital ratio | 17.8780% | 2,345 |
| Total risk-based capital ratio | 18.5084% | 2,530 |
| Memoranda: | ||
| Average total assets | $210,377,000 | 2,926 |
| Average earning assets | $184,732,500 | 3,039 |
| Average equity | $19,026,000 | 3,276 |
| Average total loans | $77,118,500 | 4,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1527% | 6,189 |
| Cost of funding earning assets | 0.3676% | 4,981 |
| Net interest margin | 2.7851% | 6,005 |
| Noninterest income to average assets | 0.4643% | 3,996 |
| Noninterest expense to average assets | 2.4235% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3597% | 5,297 |
| Return on assets (ROA) | 0.3584% | 5,419 |
| Pretax return on assets | 0.5288% | 5,108 |
| Return on Equity (ROE) | 3.7023% | 5,234 |
| Retained earnings to average equity (ytd only) | 1.3222% | 5,230 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0308% | 1,871 |
| Assets per employee ($millions) | 4.9886% | 2,189 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 5,998 |
| Loan loss allowance to noncurrent loans | 20.6158% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 1,811 |
| Noncurrent loans to loans | 4.2377% | 659 |
| Net loans and leases to total assets | 36.9869% | 6,161 |
| Net loans and leases to deposits | 44.2129% | 6,113 |
| Net loans and leases to core deposits | 49.5644% | 5,963 |
| Total domestic deposits to total assets | 83.6562% | 4,295 |
| Equity capital to assets | 9.0171% | 5,018 |
| Core capital (leverage) ratio | 9.6429% | 4,063 |
| Tier 1 risk-based capital ratio | 17.3769% | 2,461 |
| Total risk-based capital ratio | 17.9897% | 2,693 |
| Memoranda: | ||
| Average total assets | $195,336,800 | 3,081 |
| Average earning assets | $174,645,200 | 3,155 |
| Average equity | $18,907,200 | 3,290 |
| Average total loans | $80,890,400 | 3,909 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 6,279 |
| Cost of funding earning assets | 0.4515% | 4,258 |
| Net interest margin | 2.6819% | 6,205 |
| Noninterest income to average assets | 0.4852% | 3,900 |
| Noninterest expense to average assets | 2.4179% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2875% | 5,658 |
| Return on assets (ROA) | 0.2857% | 5,769 |
| Pretax return on assets | 0.4804% | 5,416 |
| Return on Equity (ROE) | 2.8978% | 5,642 |
| Retained earnings to average equity (ytd only) | 0.5217% | 5,761 |
| Net charge-offs to loans | -0.0016% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3453% | 1,671 |
| Assets per employee ($millions) | 4.8722% | 2,340 |
| Cash dividends to net income (ytd only)* | 81.9942% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 6,243 |
| Loan loss allowance to noncurrent loans | 20.3632% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.1571% | 1,852 |
| Noncurrent loans to loans | 4.0145% | 871 |
| Net loans and leases to total assets | 42.5819% | 5,853 |
| Net loans and leases to deposits | 51.6031% | 5,738 |
| Net loans and leases to core deposits | 58.2676% | 5,429 |
| Total domestic deposits to total assets | 82.5182% | 4,751 |
| Equity capital to assets | 9.6384% | 4,372 |
| Core capital (leverage) ratio | 9.8474% | 3,896 |
| Tier 1 risk-based capital ratio | 16.7477% | 2,841 |
| Total risk-based capital ratio | 17.3447% | 3,102 |
| Memoranda: | ||
| Average total assets | $191,790,250 | 3,155 |
| Average earning assets | $172,757,250 | 3,207 |
| Average equity | $18,910,750 | 3,322 |
| Average total loans | $81,568,250 | 3,926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 6,349 |
| Cost of funding earning assets | 0.4484% | 4,446 |
| Net interest margin | 2.6417% | 6,279 |
| Noninterest income to average assets | 0.5022% | 3,815 |
| Noninterest expense to average assets | 2.3705% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3106% | 5,573 |
| Return on assets (ROA) | 0.3072% | 5,732 |
| Pretax return on assets | 0.5169% | 5,317 |
| Return on Equity (ROE) | 3.0919% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.7176% | 5,610 |
| Net charge-offs to loans | -0.0025% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9500% | 1,893 |
| Assets per employee ($millions) | 4.9091% | 2,216 |
| Cash dividends to net income (ytd only)* | 76.7918% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 6,302 |
| Loan loss allowance to noncurrent loans | 20.5591% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 2.1246% | 2,029 |
| Noncurrent loans to loans | 4.0204% | 960 |
| Net loans and leases to total assets | 41.7943% | 5,912 |
| Net loans and leases to deposits | 50.4670% | 5,806 |
| Net loans and leases to core deposits | 56.8975% | 5,531 |
| Total domestic deposits to total assets | 82.8151% | 4,777 |
| Equity capital to assets | 9.4243% | 4,681 |
| Core capital (leverage) ratio | 10.2778% | 3,126 |
| Tier 1 risk-based capital ratio | 16.5406% | 2,926 |
| Total risk-based capital ratio | 17.1304% | 3,216 |
| Memoranda: | ||
| Average total assets | $190,757,670 | 3,186 |
| Average earning assets | $172,613,000 | 3,219 |
| Average equity | $18,953,000 | 3,336 |
| Average total loans | $80,867,330 | 3,964 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 6,479 |
| Cost of funding earning assets | 0.4566% | 4,519 |
| Net interest margin | 2.5758% | 6,408 |
| Noninterest income to average assets | 0.4937% | 3,813 |
| Noninterest expense to average assets | 2.5581% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1614% | 6,003 |
| Return on assets (ROA) | 0.1532% | 6,129 |
| Pretax return on assets | 0.2639% | 5,922 |
| Return on Equity (ROE) | 1.5018% | 6,087 |
| Retained earnings to average equity (ytd only) | -0.8344% | 5,927 |
| Net charge-offs to loans | -0.0050% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2402% | 1,131 |
| Assets per employee ($millions) | 4.4275% | 3,101 |
| Cash dividends to net income (ytd only)* | 155.5556% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 6,337 |
| Loan loss allowance to noncurrent loans | 21.2093% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 2.1887% | 2,132 |
| Noncurrent loans to loans | 4.0754% | 1,098 |
| Net loans and leases to total assets | 42.1875% | 5,831 |
| Net loans and leases to deposits | 50.0673% | 5,779 |
| Net loans and leases to core deposits | 56.2859% | 5,498 |
| Total domestic deposits to total assets | 84.2616% | 4,369 |
| Equity capital to assets | 10.2972% | 3,801 |
| Core capital (leverage) ratio | 10.0886% | 3,286 |
| Tier 1 risk-based capital ratio | 17.5410% | 2,543 |
| Total risk-based capital ratio | 18.1700% | 2,766 |
| Memoranda: | ||
| Average total assets | $187,954,500 | 3,249 |
| Average earning assets | $170,822,500 | 3,271 |
| Average equity | $19,176,500 | 3,351 |
| Average total loans | $79,924,500 | 4,013 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 6,204 |
| Cost of funding earning assets | 0.4504% | 5,578 |
| Net interest margin | 3.1636% | 5,659 |
| Noninterest income to average assets | 0.5494% | 3,585 |
| Noninterest expense to average assets | 2.8618% | 3,804 |
| Loan and lease loss provision to assets | 0.1085% | 4,276 |
| Net operating income to assets | 0.3575% | 5,261 |
| Return on assets (ROA) | 0.3709% | 5,447 |
| Pretax return on assets | 0.5711% | 5,077 |
| Return on Equity (ROE) | 3.5853% | 5,312 |
| Retained earnings to average equity (ytd only) | 1.2266% | 5,264 |
| Net charge-offs to loans | 0.0271% | 5,519 |
| Credit loss provision to net charge-offs | 909.0909% | 278 |
| Earnings coverage of net charge-offs (x) | 55.2273% | 636 |
| Efficiency ratio | 81.2847% | 1,972 |
| Assets per employee ($millions) | 4.2212% | 3,509 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,401 |
| Loan loss allowance to noncurrent loans | 21.4375% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 2.1221% | 2,306 |
| Noncurrent loans to loans | 3.9472% | 1,202 |
| Net loans and leases to total assets | 42.1324% | 5,997 |
| Net loans and leases to deposits | 48.3612% | 6,087 |
| Net loans and leases to core deposits | 54.0961% | 5,864 |
| Total domestic deposits to total assets | 87.1202% | 2,761 |
| Equity capital to assets | 10.1102% | 4,023 |
| Core capital (leverage) ratio | 9.6001% | 3,964 |
| Tier 1 risk-based capital ratio | 17.7844% | 2,346 |
| Total risk-based capital ratio | 18.4198% | 2,547 |
| Memoranda: | ||
| Average total assets | $184,396,200 | 3,254 |
| Average earning assets | $173,186,800 | 3,190 |
| Average equity | $19,077,800 | 3,325 |
| Average total loans | $81,051,000 | 4,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 6,125 |
| Cost of funding earning assets | 0.4515% | 5,786 |
| Net interest margin | 3.3005% | 5,395 |
| Noninterest income to average assets | 0.5756% | 3,438 |
| Noninterest expense to average assets | 3.0781% | 2,955 |
| Loan and lease loss provision to assets | 0.1457% | 3,716 |
| Net operating income to assets | 0.2840% | 5,668 |
| Return on assets (ROA) | 0.2980% | 5,823 |
| Pretax return on assets | 0.4947% | 5,482 |
| Return on Equity (ROE) | 2.8632% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.5040% | 5,936 |
| Net charge-offs to loans | -0.0181% | 6,480 |
| Credit loss provision to net charge-offs | -1,818.1818% | 6,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2676% | 1,673 |
| Assets per employee ($millions) | 4.0570% | 3,758 |
| Cash dividends to net income (ytd only)* | 82.3957% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,410 |
| Loan loss allowance to noncurrent loans | 14.6842% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 2.6128% | 2,018 |
| Noncurrent loans to loans | 6.0533% | 671 |
| Net loans and leases to total assets | 42.7794% | 6,058 |
| Net loans and leases to deposits | 49.2031% | 6,177 |
| Net loans and leases to core deposits | 55.0658% | 5,960 |
| Total domestic deposits to total assets | 86.9446% | 2,701 |
| Equity capital to assets | 10.2095% | 4,190 |
| Core capital (leverage) ratio | 9.8645% | 3,740 |
| Tier 1 risk-based capital ratio | 18.3060% | 2,229 |
| Total risk-based capital ratio | 18.9985% | 2,417 |
| Memoranda: | ||
| Average total assets | $183,006,250 | 3,299 |
| Average earning assets | $173,059,500 | 3,224 |
| Average equity | $19,046,000 | 3,353 |
| Average total loans | $81,134,750 | 4,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 5,713 |
| Cost of funding earning assets | 0.4519% | 5,962 |
| Net interest margin | 3.5266% | 4,564 |
| Noninterest income to average assets | 0.5677% | 3,468 |
| Noninterest expense to average assets | 3.1078% | 2,902 |
| Loan and lease loss provision to assets | 0.2200% | 2,878 |
| Net operating income to assets | 0.3487% | 5,433 |
| Return on assets (ROA) | 0.3564% | 5,619 |
| Pretax return on assets | 0.5919% | 5,167 |
| Return on Equity (ROE) | 3.4027% | 5,525 |
| Retained earnings to average equity (ytd only) | 1.0502% | 5,655 |
| Net charge-offs to loans | -0.0271% | 6,502 |
| Credit loss provision to net charge-offs | -1,818.1818% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5327% | 2,261 |
| Assets per employee ($millions) | 4.2320% | 3,396 |
| Cash dividends to net income (ytd only)* | 69.1358% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 6,502 |
| Loan loss allowance to noncurrent loans | 14.7659% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 2.4908% | 2,245 |
| Noncurrent loans to loans | 5.9715% | 738 |
| Net loans and leases to total assets | 41.3442% | 6,245 |
| Net loans and leases to deposits | 47.2422% | 6,359 |
| Net loans and leases to core deposits | 52.2185% | 6,220 |
| Total domestic deposits to total assets | 87.5155% | 2,459 |
| Equity capital to assets | 9.7975% | 4,631 |
| Core capital (leverage) ratio | 10.2307% | 3,108 |
| Tier 1 risk-based capital ratio | 18.5312% | 2,124 |
| Total risk-based capital ratio | 19.2303% | 2,268 |
| Memoranda: | ||
| Average total assets | $181,801,670 | 3,327 |
| Average earning assets | $172,176,330 | 3,242 |
| Average equity | $19,043,670 | 3,352 |
| Average total loans | $81,329,330 | 4,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 2,563 |
| Cost of funding earning assets | 0.4726% | 5,996 |
| Net interest margin | 4.3453% | 1,343 |
| Noninterest income to average assets | 0.7436% | 2,432 |
| Noninterest expense to average assets | 3.3028% | 2,276 |
| Loan and lease loss provision to assets | 0.4562% | 1,354 |
| Net operating income to assets | 0.6442% | 4,141 |
| Return on assets (ROA) | 0.6501% | 4,332 |
| Pretax return on assets | 1.0834% | 3,390 |
| Return on Equity (ROE) | 5.9909% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.6366% | 4,397 |
| Net charge-offs to loans | -0.0491% | 6,525 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3341% | 4,109 |
| Assets per employee ($millions) | 3.9479% | 4,114 |
| Cash dividends to net income (ytd only)* | 39.2982% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,592 |
| Loan loss allowance to noncurrent loans | 15.0242% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 2.6205% | 2,257 |
| Noncurrent loans to loans | 5.8418% | 878 |
| Net loans and leases to total assets | 44.4649% | 5,960 |
| Net loans and leases to deposits | 51.3762% | 6,039 |
| Net loans and leases to core deposits | 57.3126% | 5,783 |
| Total domestic deposits to total assets | 86.5477% | 3,214 |
| Equity capital to assets | 10.5108% | 3,477 |
| Core capital (leverage) ratio | 11.0310% | 2,239 |
| Tier 1 risk-based capital ratio | 18.4071% | 2,172 |
| Total risk-based capital ratio | 19.0978% | 2,324 |
| Memoranda: | ||
| Average total assets | $175,366,000 | 3,448 |
| Average earning assets | $165,052,500 | 3,363 |
| Average equity | $19,029,000 | 3,345 |
| Average total loans | $81,393,000 | 4,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 6,942 |
| Cost of funding earning assets | 0.5200% | 6,455 |
| Net interest margin | 3.0606% | 6,427 |
| Noninterest income to average assets | 0.5500% | 3,511 |
| Noninterest expense to average assets | 3.1891% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1761% | 5,655 |
| Return on assets (ROA) | 0.2961% | 5,426 |
| Pretax return on assets | 0.4550% | 5,114 |
| Return on Equity (ROE) | 2.6674% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.2905% | 5,696 |
| Net charge-offs to loans | -0.0025% | 6,806 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1864% | 1,033 |
| Assets per employee ($millions) | 3.5985% | 4,775 |
| Cash dividends to net income (ytd only)* | 89.1089% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 6,993 |
| Loan loss allowance to noncurrent loans | 45.2509% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,333 |
| Noncurrent loans to loans | 1.3723% | 4,085 |
| Net loans and leases to total assets | 47.7839% | 5,845 |
| Net loans and leases to deposits | 55.9668% | 5,900 |
| Net loans and leases to core deposits | 63.2165% | 5,541 |
| Total domestic deposits to total assets | 85.3791% | 3,655 |
| Equity capital to assets | 11.2164% | 2,774 |
| Core capital (leverage) ratio | 11.0551% | 2,226 |
| Tier 1 risk-based capital ratio | 19.4095% | 1,790 |
| Total risk-based capital ratio | 19.9287% | 1,960 |
| Memoranda: | ||
| Average total assets | $170,547,600 | 3,482 |
| Average earning assets | $162,125,000 | 3,364 |
| Average equity | $18,932,200 | 3,291 |
| Average total loans | $80,360,600 | 4,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 7,049 |
| Cost of funding earning assets | 0.5252% | 6,600 |
| Net interest margin | 3.0486% | 6,497 |
| Noninterest income to average assets | 0.5414% | 3,576 |
| Noninterest expense to average assets | 3.2353% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1286% | 5,894 |
| Return on assets (ROA) | 0.2504% | 5,714 |
| Pretax return on assets | 0.3994% | 5,476 |
| Return on Equity (ROE) | 2.2618% | 5,692 |
| Retained earnings to average equity (ytd only) | -0.1127% | 5,991 |
| Net charge-offs to loans | -0.0033% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9298% | 924 |
| Assets per employee ($millions) | 3.6702% | 4,597 |
| Cash dividends to net income (ytd only)* | 104.9838% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 7,071 |
| Loan loss allowance to noncurrent loans | 43.9130% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 5,436 |
| Noncurrent loans to loans | 1.3866% | 4,214 |
| Net loans and leases to total assets | 48.8263% | 5,856 |
| Net loans and leases to deposits | 57.1753% | 5,920 |
| Net loans and leases to core deposits | 65.2046% | 5,500 |
| Total domestic deposits to total assets | 85.3977% | 3,557 |
| Equity capital to assets | 11.2054% | 2,959 |
| Core capital (leverage) ratio | 11.2753% | 2,176 |
| Tier 1 risk-based capital ratio | 19.5384% | 1,806 |
| Total risk-based capital ratio | 20.0629% | 1,954 |
| Memoranda: | ||
| Average total assets | $170,902,500 | 3,502 |
| Average earning assets | $162,736,750 | 3,371 |
| Average equity | $18,922,750 | 3,298 |
| Average total loans | $80,120,500 | 4,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 7,121 |
| Cost of funding earning assets | 0.5292% | 6,747 |
| Net interest margin | 3.0355% | 6,538 |
| Noninterest income to average assets | 0.5560% | 3,427 |
| Noninterest expense to average assets | 3.2600% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1129% | 5,982 |
| Return on assets (ROA) | 0.2762% | 5,586 |
| Pretax return on assets | 0.4394% | 5,264 |
| Return on Equity (ROE) | 2.5047% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.1374% | 5,783 |
| Net charge-offs to loans | -0.0025% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6531% | 937 |
| Assets per employee ($millions) | 3.8624% | 4,067 |
| Cash dividends to net income (ytd only)* | 94.5148% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 7,113 |
| Loan loss allowance to noncurrent loans | 56.8849% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 5,919 |
| Noncurrent loans to loans | 1.1001% | 4,831 |
| Net loans and leases to total assets | 45.0450% | 6,350 |
| Net loans and leases to deposits | 52.2191% | 6,455 |
| Net loans and leases to core deposits | 58.7302% | 6,211 |
| Total domestic deposits to total assets | 86.2615% | 3,176 |
| Equity capital to assets | 10.6400% | 3,343 |
| Core capital (leverage) ratio | 11.8443% | 1,694 |
| Tier 1 risk-based capital ratio | 19.9369% | 1,619 |
| Total risk-based capital ratio | 20.4703% | 1,748 |
| Memoranda: | ||
| Average total assets | $171,593,670 | 3,503 |
| Average earning assets | $163,265,670 | 3,383 |
| Average equity | $18,924,330 | 3,275 |
| Average total loans | $79,181,330 | 4,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 7,103 |
| Cost of funding earning assets | 0.5197% | 6,899 |
| Net interest margin | 3.1356% | 6,252 |
| Noninterest income to average assets | 0.6099% | 3,096 |
| Noninterest expense to average assets | 3.3437% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1530% | 5,933 |
| Return on assets (ROA) | 0.3322% | 5,335 |
| Pretax return on assets | 0.5245% | 4,945 |
| Return on Equity (ROE) | 2.9576% | 5,391 |
| Retained earnings to average equity (ytd only) | 0.5915% | 5,594 |
| Net charge-offs to loans | -0.0051% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1878% | 1,083 |
| Assets per employee ($millions) | 3.4311% | 5,164 |
| Cash dividends to net income (ytd only)* | 80.0000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 7,158 |
| Loan loss allowance to noncurrent loans | 56.5657% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 5,883 |
| Noncurrent loans to loans | 1.1282% | 4,818 |
| Net loans and leases to total assets | 47.6456% | 6,116 |
| Net loans and leases to deposits | 55.9980% | 6,124 |
| Net loans and leases to core deposits | 61.4723% | 5,974 |
| Total domestic deposits to total assets | 85.0846% | 3,995 |
| Equity capital to assets | 11.4557% | 2,308 |
| Core capital (leverage) ratio | 11.1139% | 2,106 |
| Tier 1 risk-based capital ratio | 19.8779% | 1,610 |
| Total risk-based capital ratio | 20.4093% | 1,726 |
| Memoranda: | ||
| Average total assets | $168,556,000 | 3,579 |
| Average earning assets | $160,095,500 | 3,464 |
| Average equity | $18,934,500 | 3,265 |
| Average total loans | $78,504,500 | 4,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 7,164 |
| Cost of funding earning assets | 0.5789% | 7,166 |
| Net interest margin | 3.3738% | 5,725 |
| Noninterest income to average assets | 0.5058% | 4,125 |
| Noninterest expense to average assets | 3.2308% | 2,976 |
| Loan and lease loss provision to assets | 0.0172% | 6,938 |
| Net operating income to assets | 0.2908% | 4,964 |
| Return on assets (ROA) | 0.5499% | 4,045 |
| Pretax return on assets | 0.8676% | 3,414 |
| Return on Equity (ROE) | 5.0366% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.6732% | 3,988 |
| Net charge-offs to loans | 0.0468% | 6,335 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 911 |
| Efficiency ratio | 87.0654% | 1,565 |
| Assets per employee ($millions) | 3.5920% | 4,723 |
| Cash dividends to net income (ytd only)* | 46.9239% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6446% | 7,207 |
| Loan loss allowance to noncurrent loans | 249.0099% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 6,944 |
| Noncurrent loans to loans | 0.2589% | 6,546 |
| Net loans and leases to total assets | 44.9677% | 6,639 |
| Net loans and leases to deposits | 52.6290% | 6,701 |
| Net loans and leases to core deposits | 59.4721% | 6,436 |
| Total domestic deposits to total assets | 85.4429% | 3,637 |
| Equity capital to assets | 11.0210% | 2,663 |
| Core capital (leverage) ratio | 10.6293% | 2,435 |
| Tier 1 risk-based capital ratio | 20.6410% | 1,376 |
| Total risk-based capital ratio | 21.1925% | 1,470 |
| Memoranda: | ||
| Average total assets | $174,385,800 | 3,460 |
| Average earning assets | $165,657,000 | 3,355 |
| Average equity | $19,040,600 | 3,275 |
| Average total loans | $76,846,600 | 4,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 7,425 |
| Cost of funding earning assets | 0.5687% | 7,351 |
| Net interest margin | 3.1916% | 6,371 |
| Noninterest income to average assets | 0.5108% | 4,094 |
| Noninterest expense to average assets | 3.1831% | 2,987 |
| Loan and lease loss provision to assets | 0.0229% | 6,834 |
| Net operating income to assets | 0.2030% | 5,503 |
| Return on assets (ROA) | 0.5436% | 4,287 |
| Pretax return on assets | 0.8707% | 3,662 |
| Return on Equity (ROE) | 4.9902% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.6246% | 4,579 |
| Net charge-offs to loans | 0.0557% | 5,958 |
| Credit loss provision to net charge-offs | 93.7500% | 4,624 |
| Earnings coverage of net charge-offs (x) | 14.8109% | 1,480 |
| Efficiency ratio | 89.8043% | 1,311 |
| Assets per employee ($millions) | 4.2511% | 3,350 |
| Cash dividends to net income (ytd only)* | 47.4060% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 7,254 |
| Loan loss allowance to noncurrent loans | 234.7222% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 7,065 |
| Noncurrent loans to loans | 0.2855% | 6,617 |
| Net loans and leases to total assets | 40.1721% | 7,064 |
| Net loans and leases to deposits | 46.2660% | 7,163 |
| Net loans and leases to core deposits | 51.1041% | 7,081 |
| Total domestic deposits to total assets | 86.8287% | 2,631 |
| Equity capital to assets | 10.2042% | 3,879 |
| Core capital (leverage) ratio | 10.4403% | 2,755 |
| Tier 1 risk-based capital ratio | 20.1984% | 1,512 |
| Total risk-based capital ratio | 20.7463% | 1,614 |
| Memoranda: | ||
| Average total assets | $174,878,000 | 3,498 |
| Average earning assets | $166,222,250 | 3,385 |
| Average equity | $19,050,250 | 3,309 |
| Average total loans | $76,549,500 | 4,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 7,378 |
| Cost of funding earning assets | 0.6179% | 7,372 |
| Net interest margin | 3.3645% | 5,778 |
| Noninterest income to average assets | 0.5409% | 3,782 |
| Noninterest expense to average assets | 3.3310% | 2,457 |
| Loan and lease loss provision to assets | 0.0351% | 6,605 |
| Net operating income to assets | 0.2143% | 5,515 |
| Return on assets (ROA) | 0.6557% | 3,759 |
| Pretax return on assets | 1.0584% | 2,905 |
| Return on Equity (ROE) | 5.8830% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.5193% | 3,869 |
| Net charge-offs to loans | 0.0885% | 5,249 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | 10.1471% | 1,929 |
| Efficiency ratio | 89.1850% | 1,400 |
| Assets per employee ($millions) | 3.6268% | 4,648 |
| Cash dividends to net income (ytd only)* | 40.1786% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 7,273 |
| Loan loss allowance to noncurrent loans | 213.0802% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 7,056 |
| Noncurrent loans to loans | 0.3223% | 6,583 |
| Net loans and leases to total assets | 41.0957% | 7,098 |
| Net loans and leases to deposits | 47.7162% | 7,179 |
| Net loans and leases to core deposits | 55.3999% | 6,973 |
| Total domestic deposits to total assets | 86.1253% | 3,015 |
| Equity capital to assets | 10.7590% | 3,116 |
| Core capital (leverage) ratio | 10.6794% | 2,476 |
| Tier 1 risk-based capital ratio | 21.2275% | 1,306 |
| Total risk-based capital ratio | 21.8022% | 1,388 |
| Memoranda: | ||
| Average total assets | $170,820,670 | 3,589 |
| Average earning assets | $162,165,000 | 3,477 |
| Average equity | $19,038,000 | 3,300 |
| Average total loans | $76,849,670 | 4,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 7,647 |
| Cost of funding earning assets | 0.6013% | 7,535 |
| Net interest margin | 3.0694% | 6,669 |
| Noninterest income to average assets | 0.5664% | 3,514 |
| Noninterest expense to average assets | 3.4820% | 2,030 |
| Loan and lease loss provision to assets | 0.0478% | 6,186 |
| Net operating income to assets | -0.0441% | 6,367 |
| Return on assets (ROA) | 0.6381% | 3,841 |
| Pretax return on assets | 1.0061% | 3,073 |
| Return on Equity (ROE) | 5.6219% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.2637% | 4,187 |
| Net charge-offs to loans | 0.1376% | 4,119 |
| Credit loss provision to net charge-offs | 74.0741% | 4,011 |
| Earnings coverage of net charge-offs (x) | -0.1852% | 5,156 |
| Efficiency ratio | 100.3444% | 824 |
| Assets per employee ($millions) | 3.2770% | 5,591 |
| Cash dividends to net income (ytd only)* | 41.9476% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 7,448 |
| Loan loss allowance to noncurrent loans | 9.9682% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 2.9553% | 2,434 |
| Noncurrent loans to loans | 6.4097% | 982 |
| Net loans and leases to total assets | 45.8126% | 6,841 |
| Net loans and leases to deposits | 51.7130% | 7,058 |
| Net loans and leases to core deposits | 51.7130% | 7,217 |
| Total domestic deposits to total assets | 88.5900% | 1,738 |
| Equity capital to assets | 11.1313% | 2,652 |
| Core capital (leverage) ratio | 10.8425% | 2,342 |
| Tier 1 risk-based capital ratio | 19.4937% | 1,614 |
| Total risk-based capital ratio | 20.0234% | 1,740 |
| Memoranda: | ||
| Average total assets | $167,375,000 | 3,707 |
| Average earning assets | $158,335,000 | 3,601 |
| Average equity | $18,997,000 | 3,322 |
| Average total loans | $78,506,000 | 4,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 7,704 |
| Cost of funding earning assets | 0.7856% | 7,578 |
| Net interest margin | 3.1961% | 6,113 |
| Noninterest income to average assets | 0.5237% | 4,224 |
| Noninterest expense to average assets | 3.1892% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2446% | 4,740 |
| Return on assets (ROA) | 0.2865% | 4,671 |
| Pretax return on assets | 0.4294% | 4,399 |
| Return on Equity (ROE) | 2.5653% | 4,678 |
| Retained earnings to average equity (ytd only) | 0.2332% | 4,774 |
| Net charge-offs to loans | 0.0563% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 15.8500% | 1,283 |
| Efficiency ratio | 89.6827% | 1,730 |
| Assets per employee ($millions) | 3.1605% | 5,826 |
| Cash dividends to net income (ytd only)* | 90.9091% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 7,476 |
| Loan loss allowance to noncurrent loans | 10.1800% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 3.0423% | 2,294 |
| Noncurrent loans to loans | 6.3740% | 955 |
| Net loans and leases to total assets | 47.4210% | 6,857 |
| Net loans and leases to deposits | 53.8255% | 7,059 |
| Net loans and leases to core deposits | 67.4289% | 6,909 |
| Total domestic deposits to total assets | 88.1014% | 1,922 |
| Equity capital to assets | 11.5767% | 2,263 |
| Core capital (leverage) ratio | 10.1943% | 2,892 |
| Tier 1 risk-based capital ratio | 19.4267% | 1,570 |
| Total risk-based capital ratio | 19.9665% | 1,679 |
| Memoranda: | ||
| Average total assets | $172,802,600 | 3,560 |
| Average earning assets | $163,950,000 | 3,444 |
| Average equity | $19,296,000 | 3,304 |
| Average total loans | $71,042,000 | 4,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 7,791 |
| Cost of funding earning assets | 0.8239% | 7,662 |
| Net interest margin | 3.2145% | 5,965 |
| Noninterest income to average assets | 0.5130% | 4,382 |
| Noninterest expense to average assets | 3.1237% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2921% | 4,817 |
| Return on assets (ROA) | 0.3354% | 4,753 |
| Pretax return on assets | 0.5092% | 4,493 |
| Return on Equity (ROE) | 3.0297% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.7092% | 4,888 |
| Net charge-offs to loans | 0.0752% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 14.9227% | 1,565 |
| Efficiency ratio | 87.5641% | 1,914 |
| Assets per employee ($millions) | 3.5128% | 4,896 |
| Cash dividends to net income (ytd only)* | 76.5908% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 7,373 |
| Loan loss allowance to noncurrent loans | 10.2245% | 7,451 |
| Noncurrent assets plus other real estate owned to assets | 2.6295% | 2,647 |
| Noncurrent loans to loans | 6.8450% | 799 |
| Net loans and leases to total assets | 38.1468% | 7,545 |
| Net loans and leases to deposits | 42.6403% | 7,657 |
| Net loans and leases to core deposits | 50.6818% | 7,669 |
| Total domestic deposits to total assets | 89.4618% | 987 |
| Equity capital to assets | 10.1924% | 3,858 |
| Core capital (leverage) ratio | 9.7103% | 3,632 |
| Tier 1 risk-based capital ratio | 19.4306% | 1,659 |
| Total risk-based capital ratio | 19.9700% | 1,771 |
| Memoranda: | ||
| Average total assets | $174,916,500 | 3,534 |
| Average earning assets | $166,199,250 | 3,445 |
| Average equity | $19,363,500 | 3,331 |
| Average total loans | $69,191,500 | 4,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 7,775 |
| Cost of funding earning assets | 0.9257% | 7,662 |
| Net interest margin | 3.3760% | 5,266 |
| Noninterest income to average assets | 0.5541% | 4,001 |
| Noninterest expense to average assets | 3.1766% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3710% | 4,615 |
| Return on assets (ROA) | 0.4483% | 4,402 |
| Pretax return on assets | 0.6930% | 4,025 |
| Return on Equity (ROE) | 3.9332% | 4,521 |
| Retained earnings to average equity (ytd only) | 1.6105% | 4,434 |
| Net charge-offs to loans | 0.1148% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.5128% | 1,814 |
| Efficiency ratio | 84.6926% | 2,399 |
| Assets per employee ($millions) | 3.1725% | 5,649 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 7,349 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 7,633 |
| Noncurrent loans to loans | 0.0173% | 7,511 |
| Net loans and leases to total assets | 40.2592% | 7,536 |
| Net loans and leases to deposits | 45.8852% | 7,638 |
| Net loans and leases to core deposits | 57.7575% | 7,526 |
| Total domestic deposits to total assets | 87.7390% | 1,910 |
| Equity capital to assets | 11.2150% | 2,743 |
| Core capital (leverage) ratio | 10.1123% | 3,175 |
| Tier 1 risk-based capital ratio | 19.7239% | 1,629 |
| Total risk-based capital ratio | 20.2697% | 1,727 |
| Memoranda: | ||
| Average total assets | $169,991,670 | 3,640 |
| Average earning assets | $160,961,330 | 3,541 |
| Average equity | $19,373,330 | 3,344 |
| Average total loans | $67,965,000 | 5,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 7,722 |
| Cost of funding earning assets | 1.0252% | 7,636 |
| Net interest margin | 3.4687% | 4,856 |
| Noninterest income to average assets | 0.5669% | 3,778 |
| Noninterest expense to average assets | 3.1701% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4618% | 4,608 |
| Return on assets (ROA) | 0.5410% | 4,438 |
| Pretax return on assets | 0.8079% | 4,052 |
| Return on Equity (ROE) | 4.7087% | 4,604 |
| Retained earnings to average equity (ytd only) | 2.4057% | 4,542 |
| Net charge-offs to loans | -0.0060% | 7,200 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1297% | 2,513 |
| Assets per employee ($millions) | 3.0862% | 5,926 |
| Cash dividends to net income (ytd only)* | 48.9083% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 7,213 |
| Loan loss allowance to noncurrent loans | 1,037.7358% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 7,522 |
| Noncurrent loans to loans | 0.0755% | 7,310 |
| Net loans and leases to total assets | 41.7766% | 7,477 |
| Net loans and leases to deposits | 47.9279% | 7,578 |
| Net loans and leases to core deposits | 61.0907% | 7,418 |
| Total domestic deposits to total assets | 87.1655% | 2,141 |
| Equity capital to assets | 11.6500% | 2,478 |
| Core capital (leverage) ratio | 10.7927% | 2,658 |
| Tier 1 risk-based capital ratio | 20.3052% | 1,562 |
| Total risk-based capital ratio | 20.9126% | 1,633 |
| Memoranda: | ||
| Average total assets | $169,330,000 | 3,664 |
| Average earning assets | $160,753,000 | 3,555 |
| Average equity | $19,453,500 | 3,355 |
| Average total loans | $67,207,500 | 5,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 7,660 |
| Cost of funding earning assets | 1.6609% | 7,338 |
| Net interest margin | 3.5697% | 5,014 |
| Noninterest income to average assets | 0.7279% | 2,922 |
| Noninterest expense to average assets | 3.0919% | 3,726 |
| Loan and lease loss provision to assets | 0.0285% | 7,046 |
| Net operating income to assets | 0.5620% | 4,472 |
| Return on assets (ROA) | 0.7649% | 3,435 |
| Pretax return on assets | 1.2856% | 2,359 |
| Return on Equity (ROE) | 7.2602% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.8293% | 2,127 |
| Net charge-offs to loans | 0.0016% | 7,012 |
| Credit loss provision to net charge-offs | 5,000.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 1,752.0000% | 15 |
| Efficiency ratio | 75.6159% | 3,302 |
| Assets per employee ($millions) | 3.1274% | 5,695 |
| Cash dividends to net income (ytd only)* | 33.4821% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,879 |
| Loan loss allowance to noncurrent loans | 980.3571% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 7,461 |
| Noncurrent loans to loans | 0.0872% | 7,160 |
| Net loans and leases to total assets | 37.0299% | 7,794 |
| Net loans and leases to deposits | 42.3799% | 7,887 |
| Net loans and leases to core deposits | 50.7138% | 7,871 |
| Total domestic deposits to total assets | 87.3761% | 1,770 |
| Equity capital to assets | 11.3321% | 2,766 |
| Core capital (leverage) ratio | 9.8805% | 3,567 |
| Tier 1 risk-based capital ratio | 20.3002% | 1,571 |
| Total risk-based capital ratio | 20.9101% | 1,631 |
| Memoranda: | ||
| Average total assets | $175,715,000 | 3,465 |
| Average earning assets | $165,448,600 | 3,398 |
| Average equity | $18,512,000 | 3,476 |
| Average total loans | $63,769,200 | 5,109 |