Home > Apollo Trust Company > Performance and Condition Ratios
Apollo Trust Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 122,770.0000% | 11 |
| Cost of funding earning assets | 213.0000% | 17 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 1.0000% | 617 |
| Noninterest expense to average assets | 0.0002% | 4,475 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.0108% | 2,018 |
| Pretax return on assets | 1.2062% | 1,976 |
| Return on Equity (ROE) | 10.3600% | 2,049 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 30.0000% | 16 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,702 |
| Efficiency ratio | 32,800.0000% | 8 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 958.0000% | 24 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 20.0000% | 5 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 57.0000% | 3,666 |
| Net loans and leases to core deposits | 0.0020% | 4,390 |
| Total domestic deposits to total assets | 0.1109% | 4,436 |
| Equity capital to assets | 347,840.0000% | 8 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $0 | 4,514 |
| Average earning assets | $4,601 | 4,476 |
| Average equity | $0 | 4,450 |
| Average total loans | NA | NA |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,208 |
| Cost of funding earning assets | 1.0880% | 3,953 |
| Net interest margin | 3.8055% | 1,441 |
| Noninterest income to average assets | 0.7300% | 1,048 |
| Noninterest expense to average assets | 3.1379% | 919 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.8431% | 2,546 |
| Return on assets (ROA) | 0.8431% | 2,566 |
| Pretax return on assets | 1.0555% | 2,368 |
| Return on Equity (ROE) | 8.6800% | 2,558 |
| Retained earnings to average equity (ytd only) | 2.6937% | 3,270 |
| Net charge-offs to loans | 0.0062% | 2,439 |
| Credit loss provision to net charge-offs | 1,050.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 209.3750% | 509 |
| Efficiency ratio | 73.7749% | 1,616 |
| Assets per employee ($millions) | 5.3108% | 3,441 |
| Cash dividends to net income (ytd only)* | 68.9573% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,006 |
| Loan loss allowance to noncurrent loans | 365.1811% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,573 |
| Noncurrent loans to loans | 0.2068% | 2,712 |
| Net loans and leases to total assets | 85.3900% | 180 |
| Net loans and leases to deposits | 114.9969% | 113 |
| Net loans and leases to core deposits | 117.7842% | 679 |
| Total domestic deposits to total assets | 74.2500% | 4,047 |
| Equity capital to assets | 9.8172% | 2,417 |
| Core capital (leverage) ratio | 10.4628% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9494% | 930 |
| Memoranda: | ||
| Average total assets | $200,217,000 | 2,993 |
| Average earning assets | $185,412,250 | 2,993 |
| Average equity | $19,452,500 | 3,010 |
| Average total loans | $172,805,250 | 2,546 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 3,215 |
| Cost of funding earning assets | 1.0810% | 3,936 |
| Net interest margin | 3.7553% | 1,509 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 3.1089% | 946 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8313% | 2,527 |
| Return on assets (ROA) | 0.8313% | 2,535 |
| Pretax return on assets | 1.0386% | 2,367 |
| Return on Equity (ROE) | 8.5900% | 2,559 |
| Retained earnings to average equity (ytd only) | 2.5656% | 3,158 |
| Net charge-offs to loans | 0.0035% | 2,356 |
| Credit loss provision to net charge-offs | 233.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 349.3333% | 340 |
| Efficiency ratio | 74.7592% | 1,574 |
| Assets per employee ($millions) | 5.0243% | 3,597 |
| Cash dividends to net income (ytd only)* | 70.1205% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 4,090 |
| Loan loss allowance to noncurrent loans | 724.5614% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,062 |
| Noncurrent loans to loans | 0.0981% | 3,151 |
| Net loans and leases to total assets | 86.1500% | 154 |
| Net loans and leases to deposits | 114.8956% | 141 |
| Net loans and leases to core deposits | 117.2201% | 717 |
| Total domestic deposits to total assets | 74.9800% | 3,983 |
| Equity capital to assets | 9.6825% | 2,280 |
| Core capital (leverage) ratio | 10.4464% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4966% | 1,001 |
| Memoranda: | ||
| Average total assets | $199,686,000 | 3,000 |
| Average earning assets | $185,018,667 | 2,997 |
| Average equity | $19,332,667 | 2,993 |
| Average total loans | $172,531,333 | 2,551 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 3,169 |
| Cost of funding earning assets | 1.0690% | 3,916 |
| Net interest margin | 3.7186% | 1,493 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 3.0848% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7616% | 2,647 |
| Return on assets (ROA) | 0.7616% | 2,660 |
| Pretax return on assets | 0.9505% | 2,524 |
| Return on Equity (ROE) | 7.8700% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.8267% | 3,279 |
| Net charge-offs to loans | 0.0070% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 157.6667% | 494 |
| Efficiency ratio | 76.4442% | 1,504 |
| Assets per employee ($millions) | 5.3788% | 3,364 |
| Cash dividends to net income (ytd only)* | 76.7810% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 4,086 |
| Loan loss allowance to noncurrent loans | 720.4678% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 3,068 |
| Noncurrent loans to loans | 0.0998% | 3,105 |
| Net loans and leases to total assets | 85.4900% | 185 |
| Net loans and leases to deposits | 114.6165% | 125 |
| Net loans and leases to core deposits | 116.1207% | 750 |
| Total domestic deposits to total assets | 74.5900% | 4,088 |
| Equity capital to assets | 9.7238% | 2,188 |
| Core capital (leverage) ratio | 10.4946% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3150% | 1,032 |
| Memoranda: | ||
| Average total assets | $199,043,500 | 3,009 |
| Average earning assets | $184,477,000 | 3,002 |
| Average equity | $19,269,500 | 3,009 |
| Average total loans | $171,614,000 | 2,561 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 2,960 |
| Cost of funding earning assets | 0.5732% | 4,110 |
| Net interest margin | 4.0011% | 1,204 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.2355% | 794 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8972% | 2,555 |
| Return on assets (ROA) | 0.8972% | 2,529 |
| Pretax return on assets | 1.1296% | 2,322 |
| Return on Equity (ROE) | 9.2200% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.0772% | 3,253 |
| Net charge-offs to loans | 0.0061% | 2,473 |
| Credit loss provision to net charge-offs | 1,210.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 227.6000% | 537 |
| Efficiency ratio | 73.2141% | 1,532 |
| Assets per employee ($millions) | 5.2387% | 3,443 |
| Cash dividends to net income (ytd only)* | 66.6087% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,096 |
| Loan loss allowance to noncurrent loans | 656.9149% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 2,890 |
| Noncurrent loans to loans | 0.1094% | 2,986 |
| Net loans and leases to total assets | 85.7100% | 176 |
| Net loans and leases to deposits | 114.6022% | 130 |
| Net loans and leases to core deposits | 115.7804% | 751 |
| Total domestic deposits to total assets | 74.7900% | 4,045 |
| Equity capital to assets | 9.6383% | 2,246 |
| Core capital (leverage) ratio | 10.4915% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6447% | 970 |
| Memoranda: | ||
| Average total assets | $192,274,000 | 3,034 |
| Average earning assets | $179,526,000 | 3,011 |
| Average equity | $18,718,400 | 2,963 |
| Average total loans | $164,081,600 | 2,563 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 2,860 |
| Cost of funding earning assets | 0.4654% | 4,181 |
| Net interest margin | 4.0563% | 1,136 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.2966% | 725 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9081% | 2,649 |
| Return on assets (ROA) | 0.9081% | 2,637 |
| Pretax return on assets | 1.1467% | 2,434 |
| Return on Equity (ROE) | 9.3000% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.1538% | 3,477 |
| Net charge-offs to loans | 0.0066% | 2,200 |
| Credit loss provision to net charge-offs | 1,175.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 214.1250% | 570 |
| Efficiency ratio | 73.3385% | 1,415 |
| Assets per employee ($millions) | 4.9182% | 3,662 |
| Cash dividends to net income (ytd only)* | 66.1017% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 4,108 |
| Loan loss allowance to noncurrent loans | 593.1373% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,881 |
| Noncurrent loans to loans | 0.1207% | 2,956 |
| Net loans and leases to total assets | 85.2900% | 193 |
| Net loans and leases to deposits | 105.4863% | 305 |
| Net loans and leases to core deposits | 106.4959% | 993 |
| Total domestic deposits to total assets | 80.8600% | 3,408 |
| Equity capital to assets | 9.4405% | 2,136 |
| Core capital (leverage) ratio | 10.4821% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8886% | 961 |
| Memoranda: | ||
| Average total assets | $190,575,000 | 3,059 |
| Average earning assets | $178,187,500 | 3,035 |
| Average equity | $18,601,250 | 2,958 |
| Average total loans | $162,139,750 | 2,589 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,801 |
| Cost of funding earning assets | 0.3557% | 4,235 |
| Net interest margin | 4.0808% | 1,112 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.3598% | 636 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8646% | 2,877 |
| Return on assets (ROA) | 0.8646% | 2,873 |
| Pretax return on assets | 1.0969% | 2,655 |
| Return on Equity (ROE) | 8.7600% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.6329% | 3,569 |
| Net charge-offs to loans | 0.0075% | 1,946 |
| Credit loss provision to net charge-offs | 1,566.6667% | 310 |
| Earnings coverage of net charge-offs (x) | 184.6667% | 652 |
| Efficiency ratio | 74.0819% | 1,338 |
| Assets per employee ($millions) | 4.6238% | 3,877 |
| Cash dividends to net income (ytd only)* | 69.9387% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,136 |
| Loan loss allowance to noncurrent loans | 4,325.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,693 |
| Noncurrent loans to loans | 0.0168% | 3,646 |
| Net loans and leases to total assets | 85.0800% | 202 |
| Net loans and leases to deposits | 106.4963% | 292 |
| Net loans and leases to core deposits | 107.5332% | 926 |
| Total domestic deposits to total assets | 79.8900% | 3,594 |
| Equity capital to assets | 9.5856% | 2,100 |
| Core capital (leverage) ratio | 10.6271% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1949% | 1,086 |
| Memoranda: | ||
| Average total assets | $188,524,667 | 3,075 |
| Average earning assets | $176,532,333 | 3,051 |
| Average equity | $18,611,000 | 2,974 |
| Average total loans | $159,850,667 | 2,604 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,666 |
| Cost of funding earning assets | 0.2316% | 4,326 |
| Net interest margin | 4.1213% | 1,065 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.3756% | 625 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8983% | 2,862 |
| Return on assets (ROA) | 0.8983% | 2,821 |
| Pretax return on assets | 1.1568% | 2,544 |
| Return on Equity (ROE) | 8.9600% | 3,060 |
| Retained earnings to average equity (ytd only) | 2.8158% | 3,545 |
| Net charge-offs to loans | 0.0128% | 1,475 |
| Credit loss provision to net charge-offs | 520.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 111.6000% | 733 |
| Efficiency ratio | 73.7412% | 1,369 |
| Assets per employee ($millions) | 4.6970% | 3,892 |
| Cash dividends to net income (ytd only)* | 68.5851% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,212 |
| Loan loss allowance to noncurrent loans | 7,633.3333% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,796 |
| Noncurrent loans to loans | 0.0095% | 3,761 |
| Net loans and leases to total assets | 83.5200% | 271 |
| Net loans and leases to deposits | 98.3966% | 517 |
| Net loans and leases to core deposits | 99.3284% | 1,122 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 10.0060% | 1,820 |
| Core capital (leverage) ratio | 10.8131% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2019% | 965 |
| Memoranda: | ||
| Average total assets | $185,688,000 | 3,131 |
| Average earning assets | $174,410,500 | 3,106 |
| Average equity | $18,609,000 | 3,012 |
| Average total loans | $156,556,500 | 2,651 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 1,760 |
| Cost of funding earning assets | 0.0738% | 4,496 |
| Net interest margin | 3.9088% | 936 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.1086% | 826 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0418% | 2,409 |
| Return on assets (ROA) | 1.0418% | 2,352 |
| Pretax return on assets | 1.3423% | 1,951 |
| Return on Equity (ROE) | 10.4900% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.3615% | 3,283 |
| Net charge-offs to loans | 0.0136% | 1,872 |
| Credit loss provision to net charge-offs | 55.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 124.9500% | 869 |
| Efficiency ratio | 69.7494% | 1,721 |
| Assets per employee ($millions) | 4.4756% | 4,053 |
| Cash dividends to net income (ytd only)* | 58.4153% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,099 |
| Loan loss allowance to noncurrent loans | 313.9842% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,132 |
| Noncurrent loans to loans | 0.2444% | 2,300 |
| Net loans and leases to total assets | 83.8500% | 267 |
| Net loans and leases to deposits | 95.7608% | 662 |
| Net loans and leases to core deposits | 96.3624% | 1,185 |
| Total domestic deposits to total assets | 87.5600% | 2,215 |
| Equity capital to assets | 10.0377% | 1,689 |
| Core capital (leverage) ratio | 10.9013% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8199% | 855 |
| Memoranda: | ||
| Average total assets | $185,354,200 | 3,142 |
| Average earning assets | $176,114,200 | 3,098 |
| Average equity | $18,411,000 | 3,089 |
| Average total loans | $146,602,400 | 2,662 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 1,554 |
| Cost of funding earning assets | 0.0679% | 4,488 |
| Net interest margin | 3.8006% | 955 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9942% | 912 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0454% | 2,300 |
| Return on assets (ROA) | 1.0454% | 2,266 |
| Pretax return on assets | 1.3475% | 1,896 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 4.4542% | 3,309 |
| Net charge-offs to loans | 0.0138% | 1,604 |
| Credit loss provision to net charge-offs | 60.0000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 125.8000% | 827 |
| Efficiency ratio | 68.8614% | 1,901 |
| Assets per employee ($millions) | 4.5234% | 4,035 |
| Cash dividends to net income (ytd only)* | 57.7900% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 4,109 |
| Loan loss allowance to noncurrent loans | 315.6085% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 2,275 |
| Noncurrent loans to loans | 0.2511% | 2,374 |
| Net loans and leases to total assets | 78.6100% | 656 |
| Net loans and leases to deposits | 88.2442% | 1,018 |
| Net loans and leases to core deposits | 88.7713% | 1,374 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 9.5345% | 1,858 |
| Core capital (leverage) ratio | 10.6550% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0208% | 862 |
| Memoranda: | ||
| Average total assets | $185,818,250 | 3,165 |
| Average earning assets | $176,671,250 | 3,114 |
| Average equity | $18,409,000 | 3,119 |
| Average total loans | $144,491,000 | 2,693 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 1,297 |
| Cost of funding earning assets | 0.0673% | 4,475 |
| Net interest margin | 3.7401% | 853 |
| Noninterest income to average assets | 0.7320% | 1,228 |
| Noninterest expense to average assets | 3.0082% | 830 |
| Loan and lease loss provision to assets | 0.0043% | 2,529 |
| Net operating income to assets | 0.9901% | 2,193 |
| Return on assets (ROA) | 0.9901% | 2,162 |
| Pretax return on assets | 1.2753% | 1,828 |
| Return on Equity (ROE) | 9.8664% | 2,380 |
| Retained earnings to average equity (ytd only) | 3.8039% | 3,157 |
| Net charge-offs to loans | 0.0140% | 1,491 |
| Credit loss provision to net charge-offs | 40.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 747 |
| Efficiency ratio | 70.1568% | 1,938 |
| Assets per employee ($millions) | 4.7206% | 3,917 |
| Cash dividends to net income (ytd only)* | 61.4458% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,129 |
| Loan loss allowance to noncurrent loans | 29,825.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,047 |
| Noncurrent loans to loans | 0.0028% | 3,992 |
| Net loans and leases to total assets | 77.6375% | 582 |
| Net loans and leases to deposits | 87.5386% | 871 |
| Net loans and leases to core deposits | 88.0845% | 1,218 |
| Total domestic deposits to total assets | 88.6895% | 2,301 |
| Equity capital to assets | 9.8820% | 1,782 |
| Core capital (leverage) ratio | 10.4941% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0517% | 845 |
| Memoranda: | ||
| Average total assets | $184,430,000 | 3,201 |
| Average earning assets | $175,342,667 | 3,167 |
| Average equity | $18,507,333 | 3,187 |
| Average total loans | $142,472,000 | 2,729 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 1,226 |
| Cost of funding earning assets | 0.0683% | 4,468 |
| Net interest margin | 3.6598% | 806 |
| Noninterest income to average assets | 0.6761% | 1,393 |
| Noninterest expense to average assets | 2.9969% | 817 |
| Loan and lease loss provision to assets | 0.0043% | 2,231 |
| Net operating income to assets | 0.8971% | 2,278 |
| Return on assets (ROA) | 0.8971% | 2,279 |
| Pretax return on assets | 1.1571% | 1,961 |
| Return on Equity (ROE) | 8.8725% | 2,363 |
| Retained earnings to average equity (ytd only) | 2.8503% | 3,314 |
| Net charge-offs to loans | 0.0056% | 1,550 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 349 |
| Efficiency ratio | 72.0688% | 1,964 |
| Assets per employee ($millions) | 4.3738% | 4,214 |
| Cash dividends to net income (ytd only)* | 67.8744% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 4,169 |
| Loan loss allowance to noncurrent loans | 29,975.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,093 |
| Noncurrent loans to loans | 0.0028% | 4,031 |
| Net loans and leases to total assets | 75.1470% | 565 |
| Net loans and leases to deposits | 84.4974% | 855 |
| Net loans and leases to core deposits | 85.0138% | 1,187 |
| Total domestic deposits to total assets | 88.9341% | 2,115 |
| Equity capital to assets | 9.8445% | 2,008 |
| Core capital (leverage) ratio | 10.5241% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8665% | 921 |
| Memoranda: | ||
| Average total assets | $184,593,500 | 3,206 |
| Average earning assets | $175,639,000 | 3,179 |
| Average equity | $18,664,500 | 3,265 |
| Average total loans | $141,645,000 | 2,736 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 1,393 |
| Cost of funding earning assets | 0.0805% | 4,527 |
| Net interest margin | 3.9038% | 849 |
| Noninterest income to average assets | 0.7048% | 1,754 |
| Noninterest expense to average assets | 3.0245% | 945 |
| Loan and lease loss provision to assets | 0.0023% | 3,029 |
| Net operating income to assets | 1.0881% | 2,344 |
| Return on assets (ROA) | 1.0881% | 2,413 |
| Pretax return on assets | 1.3892% | 2,088 |
| Return on Equity (ROE) | 10.3381% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.3744% | 3,064 |
| Net charge-offs to loans | -0.0007% | 3,254 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4900% | 1,923 |
| Assets per employee ($millions) | 4.3122% | 4,263 |
| Cash dividends to net income (ytd only)* | 57.6863% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,174 |
| Loan loss allowance to noncurrent loans | 4,611.5385% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,993 |
| Noncurrent loans to loans | 0.0185% | 3,944 |
| Net loans and leases to total assets | 77.0569% | 440 |
| Net loans and leases to deposits | 87.1069% | 707 |
| Net loans and leases to core deposits | 87.6650% | 1,095 |
| Total domestic deposits to total assets | 88.4625% | 1,804 |
| Equity capital to assets | 10.3880% | 2,284 |
| Core capital (leverage) ratio | 10.6049% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2079% | 863 |
| Memoranda: | ||
| Average total assets | $176,362,400 | 3,238 |
| Average earning assets | $167,659,200 | 3,208 |
| Average equity | $18,562,400 | 3,341 |
| Average total loans | $137,880,200 | 2,749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 1,536 |
| Cost of funding earning assets | 0.0817% | 4,627 |
| Net interest margin | 3.9153% | 910 |
| Noninterest income to average assets | 0.7018% | 1,814 |
| Noninterest expense to average assets | 3.0042% | 965 |
| Loan and lease loss provision to assets | 0.0023% | 2,926 |
| Net operating income to assets | 1.1105% | 2,514 |
| Return on assets (ROA) | 1.1105% | 2,569 |
| Pretax return on assets | 1.4157% | 2,271 |
| Return on Equity (ROE) | 10.5153% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.5622% | 3,385 |
| Net charge-offs to loans | -0.0068% | 3,533 |
| Credit loss provision to net charge-offs | -42.8571% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9346% | 1,843 |
| Assets per employee ($millions) | 4.3049% | 4,261 |
| Cash dividends to net income (ytd only)* | 56.6141% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,255 |
| Loan loss allowance to noncurrent loans | 20,066.6667% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,247 |
| Noncurrent loans to loans | 0.0043% | 4,188 |
| Net loans and leases to total assets | 76.9483% | 477 |
| Net loans and leases to deposits | 87.0949% | 759 |
| Net loans and leases to core deposits | 87.6574% | 1,175 |
| Total domestic deposits to total assets | 88.3500% | 1,644 |
| Equity capital to assets | 10.3862% | 2,540 |
| Core capital (leverage) ratio | 10.5636% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6544% | 869 |
| Memoranda: | ||
| Average total assets | $175,174,750 | 3,284 |
| Average earning assets | $166,455,500 | 3,251 |
| Average equity | $18,499,500 | 3,387 |
| Average total loans | $137,160,500 | 2,793 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 1,488 |
| Cost of funding earning assets | 0.0839% | 4,676 |
| Net interest margin | 3.9486% | 896 |
| Noninterest income to average assets | 0.6878% | 1,854 |
| Noninterest expense to average assets | 3.0214% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1102% | 2,507 |
| Return on assets (ROA) | 1.1102% | 2,567 |
| Pretax return on assets | 1.4149% | 2,285 |
| Return on Equity (ROE) | 10.4529% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.4767% | 3,369 |
| Net charge-offs to loans | -0.0118% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1061% | 1,870 |
| Assets per employee ($millions) | 4.1531% | 4,362 |
| Cash dividends to net income (ytd only)* | 57.1726% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 4,233 |
| Loan loss allowance to noncurrent loans | 20,033.3333% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,306 |
| Noncurrent loans to loans | 0.0043% | 4,236 |
| Net loans and leases to total assets | 76.6043% | 535 |
| Net loans and leases to deposits | 86.8094% | 858 |
| Net loans and leases to core deposits | 87.1268% | 1,337 |
| Total domestic deposits to total assets | 88.2442% | 1,699 |
| Equity capital to assets | 10.4231% | 2,465 |
| Core capital (leverage) ratio | 10.6094% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7734% | 997 |
| Memoranda: | ||
| Average total assets | $173,297,333 | 3,307 |
| Average earning assets | $164,513,667 | 3,270 |
| Average equity | $18,406,333 | 3,390 |
| Average total loans | $136,103,333 | 2,821 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 1,457 |
| Cost of funding earning assets | 0.0914% | 4,695 |
| Net interest margin | 3.9777% | 873 |
| Noninterest income to average assets | 0.6961% | 1,880 |
| Noninterest expense to average assets | 3.1010% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0735% | 2,555 |
| Return on assets (ROA) | 1.0735% | 2,642 |
| Pretax return on assets | 1.3689% | 2,373 |
| Return on Equity (ROE) | 10.0096% | 2,681 |
| Retained earnings to average equity (ytd only) | 3.9995% | 3,502 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3760% | 1,775 |
| Assets per employee ($millions) | 4.0583% | 4,441 |
| Cash dividends to net income (ytd only)* | 60.0437% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,279 |
| Loan loss allowance to noncurrent loans | 1,283.8710% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,909 |
| Noncurrent loans to loans | 0.0668% | 3,956 |
| Net loans and leases to total assets | 79.0666% | 395 |
| Net loans and leases to deposits | 89.6962% | 717 |
| Net loans and leases to core deposits | 90.6211% | 1,188 |
| Total domestic deposits to total assets | 88.1494% | 1,766 |
| Equity capital to assets | 10.4867% | 2,284 |
| Core capital (leverage) ratio | 10.8208% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7464% | 962 |
| Memoranda: | ||
| Average total assets | $170,654,000 | 3,326 |
| Average earning assets | $161,904,000 | 3,291 |
| Average equity | $18,302,500 | 3,396 |
| Average total loans | $135,152,500 | 2,833 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 1,650 |
| Cost of funding earning assets | 0.1485% | 4,732 |
| Net interest margin | 4.2281% | 599 |
| Noninterest income to average assets | 0.6580% | 1,992 |
| Noninterest expense to average assets | 3.2035% | 1,052 |
| Loan and lease loss provision to assets | 0.0178% | 4,158 |
| Net operating income to assets | 1.1346% | 1,785 |
| Return on assets (ROA) | 1.1346% | 1,908 |
| Pretax return on assets | 1.4477% | 1,520 |
| Return on Equity (ROE) | 10.4786% | 1,817 |
| Retained earnings to average equity (ytd only) | 4.3453% | 2,629 |
| Net charge-offs to loans | 0.0346% | 2,356 |
| Credit loss provision to net charge-offs | 67.4419% | 3,058 |
| Earnings coverage of net charge-offs (x) | 55.6279% | 1,113 |
| Efficiency ratio | 68.6130% | 2,150 |
| Assets per employee ($millions) | 3.7067% | 4,562 |
| Cash dividends to net income (ytd only)* | 58.5313% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,160 |
| Loan loss allowance to noncurrent loans | 1,270.2128% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,999 |
| Noncurrent loans to loans | 0.0717% | 4,011 |
| Net loans and leases to total assets | 77.9013% | 612 |
| Net loans and leases to deposits | 90.7092% | 870 |
| Net loans and leases to core deposits | 91.7125% | 1,407 |
| Total domestic deposits to total assets | 85.8803% | 2,412 |
| Equity capital to assets | 10.9741% | 2,270 |
| Core capital (leverage) ratio | 11.0040% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8919% | 914 |
| Memoranda: | ||
| Average total assets | $163,228,600 | 3,259 |
| Average earning assets | $154,846,200 | 3,216 |
| Average equity | $17,674,200 | 3,400 |
| Average total loans | $124,180,600 | 2,934 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,846 |
| Cost of funding earning assets | 0.1636% | 4,771 |
| Net interest margin | 4.2391% | 676 |
| Noninterest income to average assets | 0.6653% | 1,925 |
| Noninterest expense to average assets | 3.2368% | 1,007 |
| Loan and lease loss provision to assets | 0.0154% | 4,129 |
| Net operating income to assets | 1.1228% | 1,908 |
| Return on assets (ROA) | 1.1228% | 2,024 |
| Pretax return on assets | 1.4349% | 1,622 |
| Return on Equity (ROE) | 10.4052% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.2473% | 2,928 |
| Net charge-offs to loans | 0.0294% | 2,248 |
| Credit loss provision to net charge-offs | 66.6667% | 2,826 |
| Earnings coverage of net charge-offs (x) | 65.4074% | 1,046 |
| Efficiency ratio | 69.0555% | 2,026 |
| Assets per employee ($millions) | 3.8101% | 4,471 |
| Cash dividends to net income (ytd only)* | 59.1807% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 3,954 |
| Loan loss allowance to noncurrent loans | 1,110.1852% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 4,048 |
| Noncurrent loans to loans | 0.0842% | 4,029 |
| Net loans and leases to total assets | 75.8205% | 1,121 |
| Net loans and leases to deposits | 86.0782% | 1,697 |
| Net loans and leases to core deposits | 87.8529% | 2,162 |
| Total domestic deposits to total assets | 88.0832% | 1,184 |
| Equity capital to assets | 10.8174% | 2,539 |
| Core capital (leverage) ratio | 10.9631% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0737% | 905 |
| Memoranda: | ||
| Average total assets | $162,335,250 | 3,248 |
| Average earning assets | $154,022,500 | 3,201 |
| Average equity | $17,516,500 | 3,418 |
| Average total loans | $122,442,000 | 2,966 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 2,203 |
| Cost of funding earning assets | 0.1891% | 4,787 |
| Net interest margin | 4.2137% | 896 |
| Noninterest income to average assets | 0.6639% | 1,887 |
| Noninterest expense to average assets | 3.2984% | 1,002 |
| Loan and lease loss provision to assets | 0.0174% | 4,017 |
| Net operating income to assets | 1.0563% | 2,121 |
| Return on assets (ROA) | 1.0563% | 2,253 |
| Pretax return on assets | 1.3440% | 1,887 |
| Return on Equity (ROE) | 9.7976% | 2,051 |
| Retained earnings to average equity (ytd only) | 3.5701% | 3,144 |
| Net charge-offs to loans | 0.0415% | 1,911 |
| Credit loss provision to net charge-offs | 52.0000% | 2,615 |
| Earnings coverage of net charge-offs (x) | 43.7200% | 1,185 |
| Efficiency ratio | 70.7832% | 1,850 |
| Assets per employee ($millions) | 3.8175% | 4,448 |
| Cash dividends to net income (ytd only)* | 63.5613% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,740 |
| Loan loss allowance to noncurrent loans | 321.5054% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,362 |
| Noncurrent loans to loans | 0.3000% | 3,314 |
| Net loans and leases to total assets | 74.8119% | 1,302 |
| Net loans and leases to deposits | 90.7724% | 1,283 |
| Net loans and leases to core deposits | 91.4347% | 1,951 |
| Total domestic deposits to total assets | 82.4170% | 3,265 |
| Equity capital to assets | 10.8551% | 2,460 |
| Core capital (leverage) ratio | 11.0895% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0158% | 904 |
| Memoranda: | ||
| Average total assets | $160,565,000 | 3,243 |
| Average earning assets | $152,264,667 | 3,204 |
| Average equity | $17,310,333 | 3,434 |
| Average total loans | $120,486,333 | 2,978 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,434 |
| Cost of funding earning assets | 0.2501% | 4,771 |
| Net interest margin | 4.2035% | 915 |
| Noninterest income to average assets | 0.7432% | 1,483 |
| Noninterest expense to average assets | 3.3835% | 1,093 |
| Loan and lease loss provision to assets | 0.0151% | 3,602 |
| Net operating income to assets | 1.0254% | 2,095 |
| Return on assets (ROA) | 1.0254% | 2,192 |
| Pretax return on assets | 1.3252% | 1,798 |
| Return on Equity (ROE) | 9.5450% | 1,893 |
| Retained earnings to average equity (ytd only) | 3.2364% | 2,984 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6267% | 2,134 |
| Assets per employee ($millions) | 3.5987% | 4,392 |
| Cash dividends to net income (ytd only)* | 66.0934% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,586 |
| Loan loss allowance to noncurrent loans | 299.0172% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,422 |
| Noncurrent loans to loans | 0.3419% | 3,269 |
| Net loans and leases to total assets | 74.4065% | 1,547 |
| Net loans and leases to deposits | 91.8629% | 1,300 |
| Net loans and leases to core deposits | 94.0451% | 1,971 |
| Total domestic deposits to total assets | 80.9973% | 3,662 |
| Equity capital to assets | 10.6801% | 3,163 |
| Core capital (leverage) ratio | 11.2752% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1337% | 848 |
| Memoranda: | ||
| Average total assets | $158,771,000 | 3,225 |
| Average earning assets | $150,349,500 | 3,189 |
| Average equity | $17,056,000 | 3,467 |
| Average total loans | $118,728,500 | 2,971 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 3,072 |
| Cost of funding earning assets | 0.4282% | 4,345 |
| Net interest margin | 4.0358% | 1,727 |
| Noninterest income to average assets | 0.8024% | 1,447 |
| Noninterest expense to average assets | 3.2483% | 1,413 |
| Loan and lease loss provision to assets | 0.0261% | 3,492 |
| Net operating income to assets | 1.0764% | 2,540 |
| Return on assets (ROA) | 1.0774% | 2,632 |
| Pretax return on assets | 1.3573% | 2,305 |
| Return on Equity (ROE) | 10.2935% | 2,162 |
| Retained earnings to average equity (ytd only) | 3.9819% | 2,969 |
| Net charge-offs to loans | 0.0138% | 3,206 |
| Credit loss provision to net charge-offs | 262.5000% | 1,058 |
| Earnings coverage of net charge-offs (x) | 138.8750% | 526 |
| Efficiency ratio | 70.1505% | 2,144 |
| Assets per employee ($millions) | 3.5378% | 4,445 |
| Cash dividends to net income (ytd only)* | 61.3164% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,383 |
| Loan loss allowance to noncurrent loans | 289.6882% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 3,382 |
| Noncurrent loans to loans | 0.3521% | 3,189 |
| Net loans and leases to total assets | 73.6277% | 1,812 |
| Net loans and leases to deposits | 92.7973% | 1,276 |
| Net loans and leases to core deposits | 96.6013% | 1,846 |
| Total domestic deposits to total assets | 79.3425% | 4,112 |
| Equity capital to assets | 10.8046% | 3,177 |
| Core capital (leverage) ratio | 11.1775% | 2,358 |
| Tier 1 risk-based capital ratio | 18.8708% | 1,548 |
| Total risk-based capital ratio | 20.1215% | 1,516 |
| Memoranda: | ||
| Average total assets | $160,762,400 | 3,197 |
| Average earning assets | $152,486,000 | 3,157 |
| Average equity | $16,826,200 | 3,456 |
| Average total loans | $115,726,600 | 2,994 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 3,163 |
| Cost of funding earning assets | 0.4631% | 4,293 |
| Net interest margin | 4.0023% | 1,929 |
| Noninterest income to average assets | 0.7769% | 1,494 |
| Noninterest expense to average assets | 3.3003% | 1,265 |
| Loan and lease loss provision to assets | 0.0265% | 3,369 |
| Net operating income to assets | 1.0609% | 2,734 |
| Return on assets (ROA) | 1.0623% | 2,809 |
| Pretax return on assets | 1.2485% | 2,823 |
| Return on Equity (ROE) | 10.2313% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.9045% | 3,450 |
| Net charge-offs to loans | 0.0151% | 2,859 |
| Credit loss provision to net charge-offs | 246.1538% | 1,110 |
| Earnings coverage of net charge-offs (x) | 118.4045% | 661 |
| Efficiency ratio | 72.1599% | 1,813 |
| Assets per employee ($millions) | 3.6925% | 4,284 |
| Cash dividends to net income (ytd only)* | 61.8379% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,391 |
| Loan loss allowance to noncurrent loans | 2,266.0377% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,557 |
| Noncurrent loans to loans | 0.0455% | 4,447 |
| Net loans and leases to total assets | 72.5938% | 2,068 |
| Net loans and leases to deposits | 87.9736% | 1,938 |
| Net loans and leases to core deposits | 93.1012% | 2,256 |
| Total domestic deposits to total assets | 82.5177% | 3,308 |
| Equity capital to assets | 10.7905% | 3,305 |
| Core capital (leverage) ratio | 10.9389% | 2,703 |
| Tier 1 risk-based capital ratio | 19.2007% | 1,522 |
| Total risk-based capital ratio | 20.4513% | 1,488 |
| Memoranda: | ||
| Average total assets | $161,152,750 | 3,224 |
| Average earning assets | $152,875,750 | 3,186 |
| Average equity | $16,732,500 | 3,493 |
| Average total loans | $115,052,250 | 3,042 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,160 |
| Cost of funding earning assets | 0.4898% | 4,160 |
| Net interest margin | 3.9668% | 2,026 |
| Noninterest income to average assets | 0.7669% | 1,452 |
| Noninterest expense to average assets | 3.2542% | 1,387 |
| Loan and lease loss provision to assets | 0.0259% | 3,301 |
| Net operating income to assets | 1.0625% | 2,671 |
| Return on assets (ROA) | 1.0646% | 2,725 |
| Pretax return on assets | 1.2498% | 2,751 |
| Return on Equity (ROE) | 10.3862% | 2,219 |
| Retained earnings to average equity (ytd only) | 4.0243% | 3,240 |
| Net charge-offs to loans | 0.0105% | 2,758 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 171.8333% | 440 |
| Efficiency ratio | 71.8767% | 1,941 |
| Assets per employee ($millions) | 3.7471% | 4,185 |
| Cash dividends to net income (ytd only)* | 61.2529% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,416 |
| Loan loss allowance to noncurrent loans | 2,301.9231% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,610 |
| Noncurrent loans to loans | 0.0450% | 4,486 |
| Net loans and leases to total assets | 71.0283% | 2,375 |
| Net loans and leases to deposits | 92.3703% | 1,448 |
| Net loans and leases to core deposits | 94.8154% | 2,175 |
| Total domestic deposits to total assets | 76.8951% | 4,576 |
| Equity capital to assets | 10.5632% | 3,462 |
| Core capital (leverage) ratio | 10.8800% | 2,709 |
| Tier 1 risk-based capital ratio | 18.4482% | 1,686 |
| Total risk-based capital ratio | 19.6988% | 1,648 |
| Memoranda: | ||
| Average total assets | $161,944,330 | 3,240 |
| Average earning assets | $153,522,330 | 3,196 |
| Average equity | $16,599,000 | 3,507 |
| Average total loans | $114,581,670 | 3,061 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 3,184 |
| Cost of funding earning assets | 0.5280% | 3,929 |
| Net interest margin | 3.8829% | 2,243 |
| Noninterest income to average assets | 0.7416% | 1,458 |
| Noninterest expense to average assets | 3.2842% | 1,322 |
| Loan and lease loss provision to assets | 0.0271% | 3,064 |
| Net operating income to assets | 0.9535% | 3,035 |
| Return on assets (ROA) | 0.9535% | 3,077 |
| Pretax return on assets | 1.1087% | 3,120 |
| Return on Equity (ROE) | 9.4456% | 2,614 |
| Retained earnings to average equity (ytd only) | 3.0021% | 3,733 |
| Net charge-offs to loans | 0.0035% | 2,607 |
| Credit loss provision to net charge-offs | 1,100.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 166 |
| Efficiency ratio | 74.3032% | 1,715 |
| Assets per employee ($millions) | 3.8483% | 4,123 |
| Cash dividends to net income (ytd only)* | 68.2171% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,488 |
| Loan loss allowance to noncurrent loans | 418.2456% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 3,935 |
| Noncurrent loans to loans | 0.2478% | 3,678 |
| Net loans and leases to total assets | 70.4337% | 2,415 |
| Net loans and leases to deposits | 87.3082% | 1,958 |
| Net loans and leases to core deposits | 94.6207% | 2,070 |
| Total domestic deposits to total assets | 80.6725% | 4,028 |
| Equity capital to assets | 10.2233% | 3,597 |
| Core capital (leverage) ratio | 10.5366% | 3,008 |
| Tier 1 risk-based capital ratio | 18.3063% | 1,714 |
| Total risk-based capital ratio | 19.5561% | 1,664 |
| Memoranda: | ||
| Average total assets | $162,353,500 | 3,272 |
| Average earning assets | $153,801,000 | 3,227 |
| Average equity | $16,388,500 | 3,546 |
| Average total loans | $114,051,500 | 3,097 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 3,005 |
| Cost of funding earning assets | 0.4135% | 3,905 |
| Net interest margin | 3.9166% | 2,276 |
| Noninterest income to average assets | 0.8282% | 1,375 |
| Noninterest expense to average assets | 3.3077% | 1,303 |
| Loan and lease loss provision to assets | 0.0898% | 2,349 |
| Net operating income to assets | 0.9889% | 3,058 |
| Return on assets (ROA) | 0.9820% | 3,088 |
| Pretax return on assets | 1.1290% | 3,174 |
| Return on Equity (ROE) | 9.9532% | 2,536 |
| Retained earnings to average equity (ytd only) | 3.4986% | 3,661 |
| Net charge-offs to loans | 0.0103% | 3,325 |
| Credit loss provision to net charge-offs | 1,327.2727% | 312 |
| Earnings coverage of net charge-offs (x) | 181.2727% | 484 |
| Efficiency ratio | 72.9444% | 1,774 |
| Assets per employee ($millions) | 3.7925% | 4,191 |
| Cash dividends to net income (ytd only)* | 64.8496% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,419 |
| Loan loss allowance to noncurrent loans | 431.3869% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,982 |
| Noncurrent loans to loans | 0.2423% | 3,717 |
| Net loans and leases to total assets | 68.6099% | 2,787 |
| Net loans and leases to deposits | 86.5355% | 2,213 |
| Net loans and leases to core deposits | 92.9850% | 2,317 |
| Total domestic deposits to total assets | 79.2852% | 4,254 |
| Equity capital to assets | 9.9665% | 3,711 |
| Core capital (leverage) ratio | 10.4903% | 3,037 |
| Tier 1 risk-based capital ratio | 18.3348% | 1,659 |
| Total risk-based capital ratio | 19.5848% | 1,611 |
| Memoranda: | ||
| Average total assets | $162,528,600 | 3,246 |
| Average earning assets | $153,806,400 | 3,198 |
| Average equity | $16,035,000 | 3,507 |
| Average total loans | $106,674,200 | 3,192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,993 |
| Cost of funding earning assets | 0.4078% | 3,805 |
| Net interest margin | 3.8841% | 2,365 |
| Noninterest income to average assets | 0.8260% | 1,391 |
| Noninterest expense to average assets | 3.3810% | 1,149 |
| Loan and lease loss provision to assets | 0.0870% | 2,233 |
| Net operating income to assets | 0.9109% | 3,478 |
| Return on assets (ROA) | 0.9015% | 3,527 |
| Pretax return on assets | 1.0230% | 3,651 |
| Return on Equity (ROE) | 9.1609% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.7283% | 4,333 |
| Net charge-offs to loans | 0.0089% | 3,102 |
| Credit loss provision to net charge-offs | 1,514.2857% | 264 |
| Earnings coverage of net charge-offs (x) | 195.0643% | 446 |
| Efficiency ratio | 75.1049% | 1,446 |
| Assets per employee ($millions) | 3.6003% | 4,437 |
| Cash dividends to net income (ytd only)* | 70.2184% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,584 |
| Loan loss allowance to noncurrent loans | 462.0968% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,189 |
| Noncurrent loans to loans | 0.2229% | 3,910 |
| Net loans and leases to total assets | 67.9750% | 2,944 |
| Net loans and leases to deposits | 82.6180% | 2,757 |
| Net loans and leases to core deposits | 88.7972% | 2,768 |
| Total domestic deposits to total assets | 82.2762% | 3,532 |
| Equity capital to assets | 9.7547% | 3,866 |
| Core capital (leverage) ratio | 10.0971% | 3,525 |
| Tier 1 risk-based capital ratio | 18.3585% | 1,704 |
| Total risk-based capital ratio | 19.6080% | 1,656 |
| Memoranda: | ||
| Average total assets | $162,391,500 | 3,277 |
| Average earning assets | $153,681,000 | 3,226 |
| Average equity | $15,980,500 | 3,542 |
| Average total loans | $105,075,500 | 3,240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,018 |
| Cost of funding earning assets | 0.3694% | 3,941 |
| Net interest margin | 3.8596% | 2,345 |
| Noninterest income to average assets | 0.8135% | 1,436 |
| Noninterest expense to average assets | 3.3978% | 1,136 |
| Loan and lease loss provision to assets | 0.0812% | 2,285 |
| Net operating income to assets | 0.8738% | 3,570 |
| Return on assets (ROA) | 0.8738% | 3,575 |
| Pretax return on assets | 0.9857% | 3,706 |
| Return on Equity (ROE) | 8.8532% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.4689% | 4,277 |
| Net charge-offs to loans | 0.0058% | 2,943 |
| Credit loss provision to net charge-offs | 2,200.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 312 |
| Efficiency ratio | 76.1025% | 1,413 |
| Assets per employee ($millions) | 3.6176% | 4,444 |
| Cash dividends to net income (ytd only)* | 72.1127% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,681 |
| Loan loss allowance to noncurrent loans | 447.5806% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,244 |
| Noncurrent loans to loans | 0.2291% | 3,898 |
| Net loans and leases to total assets | 64.3749% | 3,356 |
| Net loans and leases to deposits | 86.7831% | 2,241 |
| Net loans and leases to core deposits | 90.0369% | 2,563 |
| Total domestic deposits to total assets | 74.1791% | 5,027 |
| Equity capital to assets | 9.5452% | 4,057 |
| Core capital (leverage) ratio | 10.0833% | 3,494 |
| Tier 1 risk-based capital ratio | 17.7913% | 1,861 |
| Total risk-based capital ratio | 18.9730% | 1,836 |
| Memoranda: | ||
| Average total assets | $162,517,330 | 3,291 |
| Average earning assets | $153,746,000 | 3,246 |
| Average equity | $16,039,330 | 3,561 |
| Average total loans | $103,009,000 | 3,286 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,955 |
| Cost of funding earning assets | 0.3133% | 4,243 |
| Net interest margin | 3.8649% | 2,177 |
| Noninterest income to average assets | 0.8420% | 1,325 |
| Noninterest expense to average assets | 3.4302% | 1,111 |
| Loan and lease loss provision to assets | 0.0847% | 2,112 |
| Net operating income to assets | 0.8744% | 3,395 |
| Return on assets (ROA) | 0.8744% | 3,411 |
| Pretax return on assets | 0.9840% | 3,589 |
| Return on Equity (ROE) | 8.7113% | 3,051 |
| Retained earnings to average equity (ytd only) | 2.4322% | 4,197 |
| Net charge-offs to loans | 0.0120% | 2,320 |
| Credit loss provision to net charge-offs | 1,133.3333% | 313 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 450 |
| Efficiency ratio | 76.2458% | 1,560 |
| Assets per employee ($millions) | 3.5370% | 4,625 |
| Cash dividends to net income (ytd only)* | 72.0798% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,708 |
| Loan loss allowance to noncurrent loans | 456.7797% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 4,359 |
| Noncurrent loans to loans | 0.2283% | 3,950 |
| Net loans and leases to total assets | 62.8655% | 3,436 |
| Net loans and leases to deposits | 80.7280% | 2,725 |
| Net loans and leases to core deposits | 84.8281% | 2,907 |
| Total domestic deposits to total assets | 77.8732% | 4,743 |
| Equity capital to assets | 9.7915% | 3,801 |
| Core capital (leverage) ratio | 10.3236% | 3,159 |
| Tier 1 risk-based capital ratio | 18.4843% | 1,700 |
| Total risk-based capital ratio | 19.6840% | 1,677 |
| Memoranda: | ||
| Average total assets | $160,572,000 | 3,348 |
| Average earning assets | $151,930,500 | 3,302 |
| Average equity | $16,117,000 | 3,572 |
| Average total loans | $100,396,000 | 3,354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,141 |
| Cost of funding earning assets | 0.2400% | 4,649 |
| Net interest margin | 3.8368% | 2,297 |
| Noninterest income to average assets | 0.7957% | 1,577 |
| Noninterest expense to average assets | 3.3642% | 1,264 |
| Loan and lease loss provision to assets | 0.1548% | 1,457 |
| Net operating income to assets | 0.7382% | 3,435 |
| Return on assets (ROA) | 0.7751% | 3,315 |
| Pretax return on assets | 0.9535% | 3,724 |
| Return on Equity (ROE) | 7.5640% | 3,009 |
| Retained earnings to average equity (ytd only) | 1.2607% | 4,518 |
| Net charge-offs to loans | 0.0251% | 3,306 |
| Credit loss provision to net charge-offs | 1,078.2609% | 335 |
| Earnings coverage of net charge-offs (x) | 74.0435% | 809 |
| Efficiency ratio | 75.9938% | 1,621 |
| Assets per employee ($millions) | 3.3711% | 4,858 |
| Cash dividends to net income (ytd only)* | 83.3333% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,481 |
| Loan loss allowance to noncurrent loans | 407.3930% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 4,333 |
| Noncurrent loans to loans | 0.2638% | 3,838 |
| Net loans and leases to total assets | 60.8321% | 3,752 |
| Net loans and leases to deposits | 74.9304% | 3,435 |
| Net loans and leases to core deposits | 80.0776% | 3,414 |
| Total domestic deposits to total assets | 81.1848% | 4,076 |
| Equity capital to assets | 10.2896% | 3,394 |
| Core capital (leverage) ratio | 10.2788% | 3,092 |
| Tier 1 risk-based capital ratio | 18.7637% | 1,571 |
| Total risk-based capital ratio | 19.9532% | 1,543 |
| Memoranda: | ||
| Average total assets | $160,245,000 | 3,345 |
| Average earning assets | $151,664,400 | 3,300 |
| Average equity | $16,419,800 | 3,545 |
| Average total loans | $91,690,600 | 3,495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,196 |
| Cost of funding earning assets | 0.2367% | 4,683 |
| Net interest margin | 3.8087% | 2,363 |
| Noninterest income to average assets | 0.7932% | 1,617 |
| Noninterest expense to average assets | 3.3761% | 1,193 |
| Loan and lease loss provision to assets | 0.1029% | 2,056 |
| Net operating income to assets | 0.7587% | 3,700 |
| Return on assets (ROA) | 0.8090% | 3,533 |
| Pretax return on assets | 0.9799% | 3,765 |
| Return on Equity (ROE) | 7.9030% | 3,174 |
| Retained earnings to average equity (ytd only) | 1.6698% | 4,758 |
| Net charge-offs to loans | 0.0177% | 3,147 |
| Credit loss provision to net charge-offs | 1,033.3333% | 346 |
| Earnings coverage of net charge-offs (x) | 102.6644% | 676 |
| Efficiency ratio | 76.7591% | 1,491 |
| Assets per employee ($millions) | 3.3804% | 4,878 |
| Cash dividends to net income (ytd only)* | 78.8718% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 4,201 |
| Loan loss allowance to noncurrent loans | 356.4885% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,454 |
| Noncurrent loans to loans | 0.2740% | 3,969 |
| Net loans and leases to total assets | 59.5973% | 3,912 |
| Net loans and leases to deposits | 71.4037% | 3,836 |
| Net loans and leases to core deposits | 77.8638% | 3,647 |
| Total domestic deposits to total assets | 83.4653% | 3,300 |
| Equity capital to assets | 10.4369% | 3,435 |
| Core capital (leverage) ratio | 10.5451% | 2,937 |
| Tier 1 risk-based capital ratio | 19.3759% | 1,505 |
| Total risk-based capital ratio | 20.4741% | 1,493 |
| Memoranda: | ||
| Average total assets | $160,696,000 | 3,367 |
| Average earning assets | $152,103,000 | 3,325 |
| Average equity | $16,449,000 | 3,575 |
| Average total loans | $90,255,750 | 3,554 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,086 |
| Cost of funding earning assets | 0.2439% | 4,600 |
| Net interest margin | 3.7877% | 2,329 |
| Noninterest income to average assets | 0.7861% | 1,619 |
| Noninterest expense to average assets | 3.3726% | 1,220 |
| Loan and lease loss provision to assets | 0.1104% | 1,850 |
| Net operating income to assets | 0.7306% | 3,703 |
| Return on assets (ROA) | 0.8047% | 3,435 |
| Pretax return on assets | 0.9746% | 3,663 |
| Return on Equity (ROE) | 7.9124% | 3,078 |
| Retained earnings to average equity (ytd only) | 1.6946% | 4,583 |
| Net charge-offs to loans | 0.0113% | 3,066 |
| Credit loss provision to net charge-offs | 1,780.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 160.6000% | 475 |
| Efficiency ratio | 77.2069% | 1,563 |
| Assets per employee ($millions) | 3.3538% | 4,918 |
| Cash dividends to net income (ytd only)* | 78.5824% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,288 |
| Loan loss allowance to noncurrent loans | 204.0541% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,995 |
| Noncurrent loans to loans | 0.4784% | 3,316 |
| Net loans and leases to total assets | 58.3024% | 3,994 |
| Net loans and leases to deposits | 72.3946% | 3,698 |
| Net loans and leases to core deposits | 78.5756% | 3,545 |
| Total domestic deposits to total assets | 80.5342% | 4,303 |
| Equity capital to assets | 10.5576% | 3,273 |
| Core capital (leverage) ratio | 10.1196% | 3,378 |
| Tier 1 risk-based capital ratio | 19.5190% | 1,470 |
| Total risk-based capital ratio | 20.5966% | 1,458 |
| Memoranda: | ||
| Average total assets | $161,302,000 | 3,382 |
| Average earning assets | $152,544,670 | 3,336 |
| Average equity | $16,404,670 | 3,590 |
| Average total loans | $88,467,330 | 3,608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 3,188 |
| Cost of funding earning assets | 0.2203% | 4,800 |
| Net interest margin | 3.7350% | 2,370 |
| Noninterest income to average assets | 0.7478% | 1,754 |
| Noninterest expense to average assets | 3.3493% | 1,291 |
| Loan and lease loss provision to assets | 0.0809% | 2,199 |
| Net operating income to assets | 0.7115% | 3,655 |
| Return on assets (ROA) | 0.7527% | 3,518 |
| Pretax return on assets | 0.8999% | 3,772 |
| Return on Equity (ROE) | 7.5402% | 3,144 |
| Retained earnings to average equity (ytd only) | 1.2772% | 4,573 |
| Net charge-offs to loans | -0.0139% | 4,555 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2360% | 1,597 |
| Assets per employee ($millions) | 3.2852% | 5,060 |
| Cash dividends to net income (ytd only)* | 83.0619% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,480 |
| Loan loss allowance to noncurrent loans | 17,160.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,366 |
| Noncurrent loans to loans | 0.0056% | 5,239 |
| Net loans and leases to total assets | 53.7313% | 4,357 |
| Net loans and leases to deposits | 70.1557% | 3,779 |
| Net loans and leases to core deposits | 75.1733% | 3,726 |
| Total domestic deposits to total assets | 76.5887% | 5,165 |
| Equity capital to assets | 9.9666% | 3,796 |
| Core capital (leverage) ratio | 9.9532% | 3,563 |
| Tier 1 risk-based capital ratio | 18.4991% | 1,743 |
| Total risk-based capital ratio | 19.4713% | 1,769 |
| Memoranda: | ||
| Average total assets | $163,138,000 | 3,391 |
| Average earning assets | $154,324,000 | 3,344 |
| Average equity | $16,286,000 | 3,627 |
| Average total loans | $86,297,000 | 3,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 3,871 |
| Cost of funding earning assets | 0.1678% | 5,299 |
| Net interest margin | 3.6422% | 2,920 |
| Noninterest income to average assets | 0.7471% | 1,966 |
| Noninterest expense to average assets | 3.2763% | 1,629 |
| Loan and lease loss provision to assets | 0.0690% | 2,978 |
| Net operating income to assets | 0.7309% | 3,636 |
| Return on assets (ROA) | 0.8053% | 3,385 |
| Pretax return on assets | 0.9641% | 3,601 |
| Return on Equity (ROE) | 7.5880% | 3,174 |
| Retained earnings to average equity (ytd only) | 1.7644% | 4,522 |
| Net charge-offs to loans | 0.0163% | 3,752 |
| Credit loss provision to net charge-offs | 908.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 124.4167% | 490 |
| Efficiency ratio | 77.6229% | 1,754 |
| Assets per employee ($millions) | 3.3065% | 5,034 |
| Cash dividends to net income (ytd only)* | 76.7478% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.0166% | 4,685 |
| Net loans and leases to deposits | 64.0178% | 4,414 |
| Net loans and leases to core deposits | 70.9743% | 4,151 |
| Total domestic deposits to total assets | 79.6911% | 4,636 |
| Equity capital to assets | 9.9995% | 3,726 |
| Core capital (leverage) ratio | 10.1315% | 3,326 |
| Tier 1 risk-based capital ratio | 18.8385% | 1,636 |
| Total risk-based capital ratio | 19.7900% | 1,683 |
| Memoranda: | ||
| Average total assets | $158,075,000 | 3,418 |
| Average earning assets | $150,761,000 | 3,361 |
| Average equity | $16,776,400 | 3,580 |
| Average total loans | $73,466,800 | 3,952 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 3,995 |
| Cost of funding earning assets | 0.1687% | 5,355 |
| Net interest margin | 3.6079% | 3,044 |
| Noninterest income to average assets | 0.7384% | 2,011 |
| Noninterest expense to average assets | 3.3271% | 1,501 |
| Loan and lease loss provision to assets | 0.0433% | 3,364 |
| Net operating income to assets | 0.6887% | 3,914 |
| Return on assets (ROA) | 0.7885% | 3,562 |
| Pretax return on assets | 0.9353% | 3,861 |
| Return on Equity (ROE) | 7.3205% | 3,391 |
| Retained earnings to average equity (ytd only) | 1.6390% | 4,853 |
| Net charge-offs to loans | 0.0169% | 3,383 |
| Credit loss provision to net charge-offs | 566.6667% | 641 |
| Earnings coverage of net charge-offs (x) | 112.5525% | 603 |
| Efficiency ratio | 79.4648% | 1,500 |
| Assets per employee ($millions) | 3.4727% | 4,810 |
| Cash dividends to net income (ytd only)* | 77.6101% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.5440% | 4,852 |
| Net loans and leases to deposits | 62.6164% | 4,590 |
| Net loans and leases to core deposits | 66.6420% | 4,562 |
| Total domestic deposits to total assets | 79.1230% | 4,694 |
| Equity capital to assets | 10.7377% | 3,323 |
| Core capital (leverage) ratio | 10.3503% | 3,157 |
| Tier 1 risk-based capital ratio | 19.3767% | 1,579 |
| Total risk-based capital ratio | 20.2950% | 1,617 |
| Memoranda: | ||
| Average total assets | $157,089,250 | 3,441 |
| Average earning assets | $150,148,500 | 3,384 |
| Average equity | $16,920,250 | 3,593 |
| Average total loans | $70,964,000 | 4,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,048 |
| Cost of funding earning assets | 0.1730% | 5,385 |
| Net interest margin | 3.5994% | 3,102 |
| Noninterest income to average assets | 0.7234% | 2,033 |
| Noninterest expense to average assets | 3.3904% | 1,390 |
| Loan and lease loss provision to assets | 0.0346% | 3,458 |
| Net operating income to assets | 0.6259% | 4,162 |
| Return on assets (ROA) | 0.7772% | 3,563 |
| Pretax return on assets | 0.9129% | 3,905 |
| Return on Equity (ROE) | 7.2079% | 3,419 |
| Retained earnings to average equity (ytd only) | 1.6031% | 4,738 |
| Net charge-offs to loans | 0.0059% | 3,490 |
| Credit loss provision to net charge-offs | 1,350.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 300.5000% | 227 |
| Efficiency ratio | 81.5020% | 1,331 |
| Assets per employee ($millions) | 3.1219% | 5,300 |
| Cash dividends to net income (ytd only)* | 77.7595% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.9781% | 5,068 |
| Net loans and leases to deposits | 59.1527% | 4,846 |
| Net loans and leases to core deposits | 64.4453% | 4,713 |
| Total domestic deposits to total assets | 79.4184% | 4,689 |
| Equity capital to assets | 11.1041% | 2,938 |
| Core capital (leverage) ratio | 10.2850% | 3,222 |
| Tier 1 risk-based capital ratio | 19.8243% | 1,495 |
| Total risk-based capital ratio | 20.7471% | 1,531 |
| Memoranda: | ||
| Average total assets | $156,204,000 | 3,471 |
| Average earning assets | $149,137,330 | 3,414 |
| Average equity | $16,842,670 | 3,609 |
| Average total loans | $67,981,670 | 4,151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,427 |
| Cost of funding earning assets | 0.1743% | 5,426 |
| Net interest margin | 3.4942% | 3,496 |
| Noninterest income to average assets | 0.7091% | 1,997 |
| Noninterest expense to average assets | 3.3585% | 1,468 |
| Loan and lease loss provision to assets | 0.0282% | 3,288 |
| Net operating income to assets | 0.5749% | 4,291 |
| Return on assets (ROA) | 0.7219% | 3,725 |
| Pretax return on assets | 0.8268% | 4,114 |
| Return on Equity (ROE) | 6.7962% | 3,562 |
| Retained earnings to average equity (ytd only) | 1.1809% | 4,773 |
| Net charge-offs to loans | 0.0062% | 2,904 |
| Credit loss provision to net charge-offs | 1,100.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 228 |
| Efficiency ratio | 83.0380% | 1,254 |
| Assets per employee ($millions) | 3.2169% | 5,250 |
| Cash dividends to net income (ytd only)* | 82.6241% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.5973% | 5,320 |
| Net loans and leases to deposits | 54.3259% | 5,083 |
| Net loans and leases to core deposits | 58.0258% | 5,045 |
| Total domestic deposits to total assets | 78.4106% | 5,075 |
| Equity capital to assets | 10.9579% | 2,990 |
| Core capital (leverage) ratio | 10.2826% | 3,220 |
| Tier 1 risk-based capital ratio | 20.1276% | 1,473 |
| Total risk-based capital ratio | 21.0495% | 1,512 |
| Memoranda: | ||
| Average total assets | $156,258,000 | 3,488 |
| Average earning assets | $149,162,000 | 3,431 |
| Average equity | $16,597,500 | 3,646 |
| Average total loans | $64,932,000 | 4,243 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,582 |
| Cost of funding earning assets | 0.1477% | 5,699 |
| Net interest margin | 3.4842% | 3,578 |
| Noninterest income to average assets | 0.8535% | 1,595 |
| Noninterest expense to average assets | 3.2171% | 1,925 |
| Loan and lease loss provision to assets | 0.0761% | 2,749 |
| Net operating income to assets | 0.7660% | 3,486 |
| Return on assets (ROA) | 0.8062% | 3,393 |
| Pretax return on assets | 0.9392% | 3,697 |
| Return on Equity (ROE) | 7.3351% | 3,340 |
| Retained earnings to average equity (ytd only) | -4.0020% | 5,874 |
| Net charge-offs to loans | 0.0209% | 3,849 |
| Credit loss provision to net charge-offs | 991.6667% | 345 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 481 |
| Efficiency ratio | 76.8596% | 2,140 |
| Assets per employee ($millions) | 3.6769% | 4,512 |
| Cash dividends to net income (ytd only)* | 154.5599% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.6130% | 5,537 |
| Net loans and leases to deposits | 51.7048% | 5,299 |
| Net loans and leases to core deposits | 54.1472% | 5,307 |
| Total domestic deposits to total assets | 76.6139% | 5,378 |
| Equity capital to assets | 10.2937% | 3,633 |
| Core capital (leverage) ratio | 10.1852% | 3,279 |
| Tier 1 risk-based capital ratio | 20.4414% | 1,398 |
| Total risk-based capital ratio | 21.3690% | 1,436 |
| Memoranda: | ||
| Average total assets | $156,416,400 | 3,479 |
| Average earning assets | $149,588,000 | 3,412 |
| Average equity | $17,191,200 | 3,505 |
| Average total loans | $57,479,400 | 4,441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,664 |
| Cost of funding earning assets | 0.1474% | 5,799 |
| Net interest margin | 3.4743% | 3,645 |
| Noninterest income to average assets | 0.8684% | 1,553 |
| Noninterest expense to average assets | 3.2710% | 1,777 |
| Loan and lease loss provision to assets | 0.0248% | 3,770 |
| Net operating income to assets | 0.7675% | 3,597 |
| Return on assets (ROA) | 0.8205% | 3,419 |
| Pretax return on assets | 0.9598% | 3,779 |
| Return on Equity (ROE) | 7.3476% | 3,440 |
| Retained earnings to average equity (ytd only) | 1.9211% | 4,923 |
| Net charge-offs to loans | 0.0238% | 3,463 |
| Credit loss provision to net charge-offs | 290.0000% | 992 |
| Earnings coverage of net charge-offs (x) | 107.9242% | 581 |
| Efficiency ratio | 78.0065% | 1,942 |
| Assets per employee ($millions) | 3.6180% | 4,579 |
| Cash dividends to net income (ytd only)* | 73.8541% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.3053% | 5,681 |
| Net loans and leases to deposits | 47.3263% | 5,601 |
| Net loans and leases to core deposits | 51.6946% | 5,517 |
| Total domestic deposits to total assets | 80.9387% | 4,493 |
| Equity capital to assets | 10.9120% | 3,115 |
| Core capital (leverage) ratio | 10.7692% | 2,747 |
| Tier 1 risk-based capital ratio | 22.0322% | 1,193 |
| Total risk-based capital ratio | 22.8619% | 1,230 |
| Memoranda: | ||
| Average total assets | $155,993,750 | 3,516 |
| Average earning assets | $149,284,000 | 3,441 |
| Average equity | $17,420,250 | 3,496 |
| Average total loans | $56,010,250 | 4,537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,658 |
| Cost of funding earning assets | 0.1484% | 5,858 |
| Net interest margin | 3.4739% | 3,608 |
| Noninterest income to average assets | 0.8791% | 1,513 |
| Noninterest expense to average assets | 3.3332% | 1,622 |
| Loan and lease loss provision to assets | 0.0258% | 3,618 |
| Net operating income to assets | 0.7232% | 3,772 |
| Return on assets (ROA) | 0.8042% | 3,459 |
| Pretax return on assets | 0.9385% | 3,816 |
| Return on Equity (ROE) | 7.1459% | 3,530 |
| Retained earnings to average equity (ytd only) | 1.7205% | 4,838 |
| Net charge-offs to loans | 0.0111% | 3,523 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 224.6667% | 308 |
| Efficiency ratio | 79.2998% | 1,868 |
| Assets per employee ($millions) | 3.3563% | 5,060 |
| Cash dividends to net income (ytd only)* | 75.9230% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 4,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,715 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.8219% | 5,784 |
| Net loans and leases to deposits | 45.6370% | 5,698 |
| Net loans and leases to core deposits | 51.1965% | 5,567 |
| Total domestic deposits to total assets | 80.6841% | 4,695 |
| Equity capital to assets | 10.7223% | 3,195 |
| Core capital (leverage) ratio | 10.7942% | 2,618 |
| Tier 1 risk-based capital ratio | 21.7262% | 1,242 |
| Total risk-based capital ratio | 22.5467% | 1,289 |
| Memoranda: | ||
| Average total assets | $154,927,670 | 3,553 |
| Average earning assets | $148,250,000 | 3,482 |
| Average equity | $17,436,670 | 3,506 |
| Average total loans | $54,141,670 | 4,641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,708 |
| Cost of funding earning assets | 0.1526% | 5,914 |
| Net interest margin | 3.4424% | 3,657 |
| Noninterest income to average assets | 0.8755% | 1,476 |
| Noninterest expense to average assets | 3.3507% | 1,596 |
| Loan and lease loss provision to assets | 0.0261% | 3,363 |
| Net operating income to assets | 0.6793% | 3,893 |
| Return on assets (ROA) | 0.8025% | 3,373 |
| Pretax return on assets | 0.9328% | 3,771 |
| Return on Equity (ROE) | 6.9612% | 3,528 |
| Retained earnings to average equity (ytd only) | 1.6273% | 4,826 |
| Net charge-offs to loans | 0.0077% | 3,069 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 177 |
| Efficiency ratio | 80.4253% | 1,842 |
| Assets per employee ($millions) | 3.3606% | 5,150 |
| Cash dividends to net income (ytd only)* | 76.6234% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 4,183 |
| Loan loss allowance to noncurrent loans | 1,227.4510% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,809 |
| Noncurrent loans to loans | 0.0948% | 5,414 |
| Net loans and leases to total assets | 34.4112% | 5,911 |
| Net loans and leases to deposits | 42.3111% | 5,819 |
| Net loans and leases to core deposits | 46.5533% | 5,726 |
| Total domestic deposits to total assets | 81.3292% | 4,726 |
| Equity capital to assets | 11.5610% | 2,409 |
| Core capital (leverage) ratio | 10.9228% | 2,493 |
| Tier 1 risk-based capital ratio | 23.1445% | 1,090 |
| Total risk-based capital ratio | 24.0102% | 1,120 |
| Memoranda: | ||
| Average total assets | $153,518,500 | 3,599 |
| Average earning assets | $146,756,500 | 3,525 |
| Average equity | $17,698,000 | 3,496 |
| Average total loans | $51,852,500 | 4,742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6638% | 4,897 |
| Cost of funding earning assets | 0.1613% | 6,033 |
| Net interest margin | 3.5025% | 3,777 |
| Noninterest income to average assets | 0.9226% | 1,430 |
| Noninterest expense to average assets | 3.2744% | 1,996 |
| Loan and lease loss provision to assets | 0.0242% | 4,123 |
| Net operating income to assets | 0.7895% | 3,430 |
| Return on assets (ROA) | 0.8507% | 3,212 |
| Pretax return on assets | 1.0371% | 3,362 |
| Return on Equity (ROE) | 7.9514% | 3,166 |
| Retained earnings to average equity (ytd only) | 2.3059% | 4,590 |
| Net charge-offs to loans | 0.0228% | 4,384 |
| Credit loss provision to net charge-offs | 336.3636% | 781 |
| Earnings coverage of net charge-offs (x) | 137.0909% | 390 |
| Efficiency ratio | 76.8428% | 2,385 |
| Assets per employee ($millions) | 3.1112% | 5,548 |
| Cash dividends to net income (ytd only)* | 71.0000% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,912 |
| Noncurrent loans to loans | 0.1002% | 5,495 |
| Net loans and leases to total assets | 32.3159% | 6,106 |
| Net loans and leases to deposits | 39.9175% | 6,041 |
| Net loans and leases to core deposits | 43.6391% | 5,969 |
| Total domestic deposits to total assets | 80.9568% | 4,761 |
| Equity capital to assets | 11.4951% | 2,433 |
| Core capital (leverage) ratio | 11.1516% | 2,259 |
| Tier 1 risk-based capital ratio | 23.6911% | 987 |
| Total risk-based capital ratio | 24.5696% | 1,007 |
| Memoranda: | ||
| Average total assets | $152,822,800 | 3,585 |
| Average earning assets | $145,667,400 | 3,513 |
| Average equity | $16,349,400 | 3,623 |
| Average total loans | $48,326,200 | 4,870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 4,965 |
| Cost of funding earning assets | 0.1647% | 6,095 |
| Net interest margin | 3.4972% | 3,841 |
| Noninterest income to average assets | 0.9356% | 1,408 |
| Noninterest expense to average assets | 3.2365% | 2,068 |
| Loan and lease loss provision to assets | 0.0262% | 3,881 |
| Net operating income to assets | 0.8270% | 3,301 |
| Return on assets (ROA) | 0.8449% | 3,297 |
| Pretax return on assets | 1.0280% | 3,474 |
| Return on Equity (ROE) | 8.0468% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.3335% | 4,885 |
| Net charge-offs to loans | 0.0278% | 3,942 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 118.4269% | 500 |
| Efficiency ratio | 75.8170% | 2,527 |
| Assets per employee ($millions) | 3.1377% | 5,529 |
| Cash dividends to net income (ytd only)* | 71.0009% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 3,764 |
| Loan loss allowance to noncurrent loans | 1,176.9231% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 6,028 |
| Noncurrent loans to loans | 0.1086% | 5,608 |
| Net loans and leases to total assets | 31.3884% | 6,207 |
| Net loans and leases to deposits | 37.7287% | 6,192 |
| Net loans and leases to core deposits | 41.1870% | 6,145 |
| Total domestic deposits to total assets | 83.1950% | 4,066 |
| Equity capital to assets | 11.2151% | 2,744 |
| Core capital (leverage) ratio | 11.0615% | 2,421 |
| Tier 1 risk-based capital ratio | 24.0353% | 986 |
| Total risk-based capital ratio | 24.9231% | 1,006 |
| Memoranda: | ||
| Average total assets | $152,916,500 | 3,616 |
| Average earning assets | $145,751,250 | 3,549 |
| Average equity | $16,055,750 | 3,681 |
| Average total loans | $47,937,000 | 4,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,847 |
| Cost of funding earning assets | 0.1694% | 6,142 |
| Net interest margin | 3.5360% | 3,627 |
| Noninterest income to average assets | 0.9057% | 1,482 |
| Noninterest expense to average assets | 3.1948% | 2,211 |
| Loan and lease loss provision to assets | 0.0299% | 3,672 |
| Net operating income to assets | 0.8645% | 2,985 |
| Return on assets (ROA) | 0.8602% | 3,113 |
| Pretax return on assets | 1.0450% | 3,299 |
| Return on Equity (ROE) | 8.3791% | 2,906 |
| Retained earnings to average equity (ytd only) | 2.5606% | 4,575 |
| Net charge-offs to loans | 0.0167% | 3,891 |
| Credit loss provision to net charge-offs | 575.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 207.5000% | 321 |
| Efficiency ratio | 74.7336% | 2,851 |
| Assets per employee ($millions) | 3.3699% | 5,119 |
| Cash dividends to net income (ytd only)* | 69.4402% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 3,883 |
| Loan loss allowance to noncurrent loans | 1,420.9302% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,128 |
| Noncurrent loans to loans | 0.0910% | 5,742 |
| Net loans and leases to total assets | 30.7508% | 6,281 |
| Net loans and leases to deposits | 36.9772% | 6,267 |
| Net loans and leases to core deposits | 41.5060% | 6,168 |
| Total domestic deposits to total assets | 83.1613% | 4,240 |
| Equity capital to assets | 10.8846% | 2,996 |
| Core capital (leverage) ratio | 10.7932% | 2,629 |
| Tier 1 risk-based capital ratio | 23.6663% | 1,024 |
| Total risk-based capital ratio | 24.5432% | 1,055 |
| Memoranda: | ||
| Average total assets | $153,685,330 | 3,625 |
| Average earning assets | $146,437,330 | 3,553 |
| Average equity | $15,777,330 | 3,725 |
| Average total loans | $47,954,000 | 4,964 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,764 |
| Cost of funding earning assets | 0.1735% | 6,206 |
| Net interest margin | 3.5495% | 3,483 |
| Noninterest income to average assets | 0.9256% | 1,318 |
| Noninterest expense to average assets | 3.2242% | 2,143 |
| Loan and lease loss provision to assets | 0.0310% | 3,415 |
| Net operating income to assets | 0.8687% | 2,802 |
| Return on assets (ROA) | 0.8687% | 2,870 |
| Pretax return on assets | 1.0549% | 3,111 |
| Return on Equity (ROE) | 8.7199% | 2,587 |
| Retained earnings to average equity (ytd only) | 2.7769% | 4,424 |
| Net charge-offs to loans | -0.0083% | 4,974 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8050% | 2,996 |
| Assets per employee ($millions) | 3.4383% | 5,060 |
| Cash dividends to net income (ytd only)* | 68.1548% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,323 |
| Loan loss allowance to noncurrent loans | 1,406.9767% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 6,216 |
| Noncurrent loans to loans | 0.0896% | 5,859 |
| Net loans and leases to total assets | 30.6393% | 6,322 |
| Net loans and leases to deposits | 36.5209% | 6,300 |
| Net loans and leases to core deposits | 41.5321% | 6,177 |
| Total domestic deposits to total assets | 83.8951% | 4,309 |
| Equity capital to assets | 10.1995% | 3,603 |
| Core capital (leverage) ratio | 10.6439% | 2,767 |
| Tier 1 risk-based capital ratio | 22.8289% | 1,160 |
| Total risk-based capital ratio | 23.6713% | 1,198 |
| Memoranda: | ||
| Average total assets | $154,705,500 | 3,638 |
| Average earning assets | $147,512,000 | 3,553 |
| Average equity | $15,413,000 | 3,791 |
| Average total loans | $48,309,500 | 4,994 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 5,310 |
| Cost of funding earning assets | 0.1863% | 6,356 |
| Net interest margin | 3.4513% | 4,095 |
| Noninterest income to average assets | 0.7110% | 2,481 |
| Noninterest expense to average assets | 2.9506% | 3,198 |
| Loan and lease loss provision to assets | 0.0262% | 4,602 |
| Net operating income to assets | 0.8420% | 3,079 |
| Return on assets (ROA) | 0.8780% | 2,979 |
| Pretax return on assets | 1.0681% | 3,080 |
| Return on Equity (ROE) | 8.1645% | 2,949 |
| Retained earnings to average equity (ytd only) | 2.8758% | 4,205 |
| Net charge-offs to loans | 0.0324% | 4,785 |
| Credit loss provision to net charge-offs | 266.6667% | 849 |
| Earnings coverage of net charge-offs (x) | 106.8667% | 443 |
| Efficiency ratio | 73.7471% | 3,170 |
| Assets per employee ($millions) | 3.3628% | 5,173 |
| Cash dividends to net income (ytd only)* | 64.7761% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,548 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,442 |
| Noncurrent loans to loans | 0.0082% | 6,269 |
| Net loans and leases to total assets | 31.0405% | 6,427 |
| Net loans and leases to deposits | 38.0868% | 6,360 |
| Net loans and leases to core deposits | 43.7938% | 6,237 |
| Total domestic deposits to total assets | 81.4995% | 5,035 |
| Equity capital to assets | 9.7260% | 4,140 |
| Core capital (leverage) ratio | 10.5412% | 2,867 |
| Tier 1 risk-based capital ratio | 22.2769% | 1,210 |
| Total risk-based capital ratio | 23.0866% | 1,264 |
| Memoranda: | ||
| Average total assets | $152,612,400 | 3,664 |
| Average earning assets | $145,482,200 | 3,579 |
| Average equity | $16,412,600 | 3,640 |
| Average total loans | $46,227,400 | 5,109 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 5,501 |
| Cost of funding earning assets | 0.1867% | 6,467 |
| Net interest margin | 3.3921% | 4,319 |
| Noninterest income to average assets | 0.6671% | 2,791 |
| Noninterest expense to average assets | 2.9393% | 3,170 |
| Loan and lease loss provision to assets | 0.0070% | 4,838 |
| Net operating income to assets | 0.7937% | 3,384 |
| Return on assets (ROA) | 0.8424% | 3,257 |
| Pretax return on assets | 1.0134% | 3,459 |
| Return on Equity (ROE) | 7.6475% | 3,311 |
| Retained earnings to average equity (ytd only) | 2.5385% | 4,798 |
| Net charge-offs to loans | 0.0146% | 4,839 |
| Credit loss provision to net charge-offs | 160.0000% | 1,476 |
| Earnings coverage of net charge-offs (x) | 219.2849% | 265 |
| Efficiency ratio | 75.3483% | 2,839 |
| Assets per employee ($millions) | 3.5883% | 4,672 |
| Cash dividends to net income (ytd only)* | 66.8056% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 4,721 |
| Loan loss allowance to noncurrent loans | 5,181.8182% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,491 |
| Noncurrent loans to loans | 0.0238% | 6,283 |
| Net loans and leases to total assets | 29.5754% | 6,546 |
| Net loans and leases to deposits | 35.7040% | 6,520 |
| Net loans and leases to core deposits | 40.4334% | 6,433 |
| Total domestic deposits to total assets | 82.8351% | 4,641 |
| Equity capital to assets | 10.0157% | 3,878 |
| Core capital (leverage) ratio | 10.8813% | 2,587 |
| Tier 1 risk-based capital ratio | 22.9693% | 1,153 |
| Total risk-based capital ratio | 23.7692% | 1,200 |
| Memoranda: | ||
| Average total assets | $152,093,500 | 3,705 |
| Average earning assets | $144,998,250 | 3,625 |
| Average equity | $16,754,500 | 3,638 |
| Average total loans | $45,632,250 | 5,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 5,541 |
| Cost of funding earning assets | 0.1899% | 6,524 |
| Net interest margin | 3.3760% | 4,281 |
| Noninterest income to average assets | 0.6409% | 2,961 |
| Noninterest expense to average assets | 2.9625% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7488% | 3,574 |
| Return on assets (ROA) | 0.8232% | 3,339 |
| Pretax return on assets | 0.9844% | 3,577 |
| Return on Equity (ROE) | 7.2492% | 3,467 |
| Retained earnings to average equity (ytd only) | 2.2690% | 4,835 |
| Net charge-offs to loans | 0.0176% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 294 |
| Efficiency ratio | 76.7808% | 2,671 |
| Assets per employee ($millions) | 3.4427% | 4,973 |
| Cash dividends to net income (ytd only)* | 68.6998% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,934 |
| Loan loss allowance to noncurrent loans | 28,150.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,592 |
| Noncurrent loans to loans | 0.0043% | 6,439 |
| Net loans and leases to total assets | 30.3417% | 6,567 |
| Net loans and leases to deposits | 36.1644% | 6,555 |
| Net loans and leases to core deposits | 41.4265% | 6,425 |
| Total domestic deposits to total assets | 83.8993% | 4,366 |
| Equity capital to assets | 10.7091% | 3,045 |
| Core capital (leverage) ratio | 10.7377% | 2,629 |
| Tier 1 risk-based capital ratio | 23.1332% | 1,111 |
| Total risk-based capital ratio | 23.9351% | 1,163 |
| Memoranda: | ||
| Average total assets | $151,359,000 | 3,739 |
| Average earning assets | $144,253,670 | 3,659 |
| Average equity | $17,188,000 | 3,596 |
| Average total loans | $45,441,670 | 5,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 5,495 |
| Cost of funding earning assets | 0.1943% | 6,600 |
| Net interest margin | 3.3886% | 4,162 |
| Noninterest income to average assets | 0.6134% | 3,063 |
| Noninterest expense to average assets | 2.9399% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7534% | 3,420 |
| Return on assets (ROA) | 0.8222% | 3,182 |
| Pretax return on assets | 0.9835% | 3,431 |
| Return on Equity (ROE) | 7.0398% | 3,468 |
| Retained earnings to average equity (ytd only) | 2.1957% | 4,905 |
| Net charge-offs to loans | 0.0356% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 442 |
| Efficiency ratio | 76.5313% | 2,839 |
| Assets per employee ($millions) | 3.5252% | 4,930 |
| Cash dividends to net income (ytd only)* | 68.8103% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,951 |
| Loan loss allowance to noncurrent loans | 28,150.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,655 |
| Noncurrent loans to loans | 0.0044% | 6,504 |
| Net loans and leases to total assets | 29.3663% | 6,629 |
| Net loans and leases to deposits | 35.6594% | 6,587 |
| Net loans and leases to core deposits | 39.8642% | 6,489 |
| Total domestic deposits to total assets | 82.3521% | 5,076 |
| Equity capital to assets | 11.7092% | 2,249 |
| Core capital (leverage) ratio | 10.7444% | 2,501 |
| Tier 1 risk-based capital ratio | 23.3050% | 1,113 |
| Total risk-based capital ratio | 24.1177% | 1,157 |
| Memoranda: | ||
| Average total assets | $151,299,500 | 3,784 |
| Average earning assets | $144,131,000 | 3,697 |
| Average equity | $17,671,000 | 3,567 |
| Average total loans | $44,900,500 | 5,255 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 5,829 |
| Cost of funding earning assets | 0.2284% | 6,755 |
| Net interest margin | 3.5671% | 4,237 |
| Noninterest income to average assets | 0.6819% | 2,824 |
| Noninterest expense to average assets | 3.0362% | 3,144 |
| Loan and lease loss provision to assets | 0.0203% | 5,651 |
| Net operating income to assets | 0.8386% | 3,102 |
| Return on assets (ROA) | 0.8386% | 3,355 |
| Pretax return on assets | 1.0209% | 3,467 |
| Return on Equity (ROE) | 7.2352% | 3,508 |
| Retained earnings to average equity (ytd only) | 2.5050% | 4,467 |
| Net charge-offs to loans | 0.0088% | 5,820 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 385.5000% | 106 |
| Efficiency ratio | 74.4660% | 2,995 |
| Assets per employee ($millions) | 3.3559% | 5,315 |
| Cash dividends to net income (ytd only)* | 65.3784% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 4,803 |
| Loan loss allowance to noncurrent loans | 14,150.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 6,526 |
| Noncurrent loans to loans | 0.0089% | 6,551 |
| Net loans and leases to total assets | 29.2404% | 6,723 |
| Net loans and leases to deposits | 35.4731% | 6,697 |
| Net loans and leases to core deposits | 40.2696% | 6,607 |
| Total domestic deposits to total assets | 82.4298% | 4,953 |
| Equity capital to assets | 11.6497% | 2,304 |
| Core capital (leverage) ratio | 10.7819% | 2,462 |
| Tier 1 risk-based capital ratio | 23.1289% | 1,093 |
| Total risk-based capital ratio | 23.9447% | 1,135 |
| Memoranda: | ||
| Average total assets | $148,111,400 | 3,807 |
| Average earning assets | $140,982,000 | 3,708 |
| Average equity | $17,166,000 | 3,594 |
| Average total loans | $45,626,200 | 5,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 5,921 |
| Cost of funding earning assets | 0.2338% | 6,869 |
| Net interest margin | 3.6077% | 4,207 |
| Noninterest income to average assets | 0.6830% | 2,798 |
| Noninterest expense to average assets | 3.0532% | 3,047 |
| Loan and lease loss provision to assets | 0.0208% | 5,533 |
| Net operating income to assets | 0.8513% | 3,207 |
| Return on assets (ROA) | 0.8513% | 3,465 |
| Pretax return on assets | 1.0431% | 3,556 |
| Return on Equity (ROE) | 7.3546% | 3,606 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,947 |
| Net charge-offs to loans | 0.0262% | 5,302 |
| Credit loss provision to net charge-offs | 255.5556% | 1,072 |
| Earnings coverage of net charge-offs (x) | 130.6633% | 334 |
| Efficiency ratio | 74.1595% | 2,959 |
| Assets per employee ($millions) | 3.2575% | 5,523 |
| Cash dividends to net income (ytd only)* | 63.4429% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 5,258 |
| Loan loss allowance to noncurrent loans | 3,957.1429% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,623 |
| Noncurrent loans to loans | 0.0304% | 6,546 |
| Net loans and leases to total assets | 30.3335% | 6,805 |
| Net loans and leases to deposits | 36.5125% | 6,800 |
| Net loans and leases to core deposits | 40.9225% | 6,705 |
| Total domestic deposits to total assets | 83.0771% | 4,614 |
| Equity capital to assets | 11.7369% | 2,497 |
| Core capital (leverage) ratio | 10.8801% | 2,508 |
| Tier 1 risk-based capital ratio | 23.3069% | 1,129 |
| Total risk-based capital ratio | 24.1158% | 1,171 |
| Memoranda: | ||
| Average total assets | $147,385,000 | 3,858 |
| Average earning assets | $140,289,250 | 3,760 |
| Average equity | $17,059,250 | 3,642 |
| Average total loans | $45,851,750 | 5,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 5,910 |
| Cost of funding earning assets | 0.2409% | 6,939 |
| Net interest margin | 3.6620% | 3,981 |
| Noninterest income to average assets | 0.7055% | 2,635 |
| Noninterest expense to average assets | 3.0880% | 2,962 |
| Loan and lease loss provision to assets | 0.0205% | 5,410 |
| Net operating income to assets | 0.8761% | 3,011 |
| Return on assets (ROA) | 0.8761% | 3,268 |
| Pretax return on assets | 1.0821% | 3,367 |
| Return on Equity (ROE) | 7.6051% | 3,445 |
| Retained earnings to average equity (ytd only) | 2.8904% | 4,706 |
| Net charge-offs to loans | 0.0175% | 5,169 |
| Credit loss provision to net charge-offs | 375.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 222 |
| Efficiency ratio | 73.6894% | 3,126 |
| Assets per employee ($millions) | 3.1325% | 5,780 |
| Cash dividends to net income (ytd only)* | 61.9938% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,358 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,679 |
| Noncurrent loans to loans | 0.0413% | 6,574 |
| Net loans and leases to total assets | 30.8600% | 6,848 |
| Net loans and leases to deposits | 37.4636% | 6,825 |
| Net loans and leases to core deposits | 41.8546% | 6,740 |
| Total domestic deposits to total assets | 82.3734% | 4,992 |
| Equity capital to assets | 11.7343% | 2,378 |
| Core capital (leverage) ratio | 10.9369% | 2,360 |
| Tier 1 risk-based capital ratio | 23.0168% | 1,130 |
| Total risk-based capital ratio | 23.8163% | 1,174 |
| Memoranda: | ||
| Average total assets | $146,565,330 | 3,893 |
| Average earning assets | $139,486,330 | 3,794 |
| Average equity | $16,883,330 | 3,660 |
| Average total loans | $45,800,000 | 5,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 5,776 |
| Cost of funding earning assets | 0.2442% | 7,017 |
| Net interest margin | 3.7496% | 3,598 |
| Noninterest income to average assets | 0.6975% | 2,673 |
| Noninterest expense to average assets | 3.1155% | 2,863 |
| Loan and lease loss provision to assets | 0.0219% | 5,064 |
| Net operating income to assets | 0.9109% | 2,863 |
| Return on assets (ROA) | 0.9109% | 3,087 |
| Pretax return on assets | 1.1297% | 3,199 |
| Return on Equity (ROE) | 7.9823% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.2121% | 4,639 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0128% | 3,254 |
| Assets per employee ($millions) | 3.0534% | 6,056 |
| Cash dividends to net income (ytd only)* | 59.7598% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,586 |
| Loan loss allowance to noncurrent loans | 761.1111% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 6,778 |
| Noncurrent loans to loans | 0.1552% | 6,372 |
| Net loans and leases to total assets | 31.2871% | 6,863 |
| Net loans and leases to deposits | 37.7659% | 6,832 |
| Net loans and leases to core deposits | 41.4576% | 6,769 |
| Total domestic deposits to total assets | 82.8448% | 4,991 |
| Equity capital to assets | 11.3440% | 2,583 |
| Core capital (leverage) ratio | 10.8309% | 2,410 |
| Tier 1 risk-based capital ratio | 22.8530% | 1,150 |
| Total risk-based capital ratio | 23.6481% | 1,199 |
| Memoranda: | ||
| Average total assets | $146,235,000 | 3,933 |
| Average earning assets | $139,213,500 | 3,832 |
| Average equity | $16,687,000 | 3,693 |
| Average total loans | $45,707,500 | 5,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 6,124 |
| Cost of funding earning assets | 0.3244% | 7,061 |
| Net interest margin | 3.8523% | 3,556 |
| Noninterest income to average assets | 0.6498% | 2,889 |
| Noninterest expense to average assets | 3.0700% | 3,309 |
| Loan and lease loss provision to assets | 0.0318% | 6,167 |
| Net operating income to assets | 0.9588% | 2,368 |
| Return on assets (ROA) | 0.9588% | 2,500 |
| Pretax return on assets | 1.1999% | 2,457 |
| Return on Equity (ROE) | 8.3424% | 2,743 |
| Retained earnings to average equity (ytd only) | -8.1639% | 6,631 |
| Net charge-offs to loans | 0.0242% | 6,098 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 174.2000% | 197 |
| Efficiency ratio | 71.3675% | 3,721 |
| Assets per employee ($millions) | 3.0398% | 6,007 |
| Cash dividends to net income (ytd only)* | 197.8614% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,392 |
| Loan loss allowance to noncurrent loans | 364.8649% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 6,704 |
| Noncurrent loans to loans | 0.3288% | 6,074 |
| Net loans and leases to total assets | 30.4795% | 6,994 |
| Net loans and leases to deposits | 36.8515% | 6,980 |
| Net loans and leases to core deposits | 42.0106% | 6,884 |
| Total domestic deposits to total assets | 82.7090% | 4,875 |
| Equity capital to assets | 11.4785% | 2,522 |
| Core capital (leverage) ratio | 10.8892% | 2,359 |
| Tier 1 risk-based capital ratio | 22.8627% | 1,115 |
| Total risk-based capital ratio | 23.6532% | 1,155 |
| Memoranda: | ||
| Average total assets | $141,432,800 | 3,948 |
| Average earning assets | $134,074,800 | 3,852 |
| Average equity | $16,254,400 | 3,682 |
| Average total loans | $41,303,200 | 5,626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 6,113 |
| Cost of funding earning assets | 0.3442% | 7,136 |
| Net interest margin | 3.8945% | 3,405 |
| Noninterest income to average assets | 0.6557% | 2,848 |
| Noninterest expense to average assets | 3.0702% | 3,282 |
| Loan and lease loss provision to assets | 0.0076% | 6,333 |
| Net operating income to assets | 1.0034% | 2,304 |
| Return on assets (ROA) | 1.0034% | 2,456 |
| Pretax return on assets | 1.2657% | 2,414 |
| Return on Equity (ROE) | 8.7283% | 2,726 |
| Retained earnings to average equity (ytd only) | -11.8031% | 6,912 |
| Net charge-offs to loans | 0.0330% | 5,686 |
| Credit loss provision to net charge-offs | 80.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 134.0300% | 278 |
| Efficiency ratio | 70.6848% | 3,817 |
| Assets per employee ($millions) | 3.1248% | 5,849 |
| Cash dividends to net income (ytd only)* | 235.2283% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,614 |
| Loan loss allowance to noncurrent loans | 4,572.7273% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,054 |
| Noncurrent loans to loans | 0.0255% | 6,878 |
| Net loans and leases to total assets | 29.6698% | 7,097 |
| Net loans and leases to deposits | 36.1819% | 7,075 |
| Net loans and leases to core deposits | 40.4109% | 7,027 |
| Total domestic deposits to total assets | 82.0018% | 5,087 |
| Equity capital to assets | 11.7787% | 2,427 |
| Core capital (leverage) ratio | 10.9789% | 2,403 |
| Tier 1 risk-based capital ratio | 23.0834% | 1,139 |
| Total risk-based capital ratio | 23.8318% | 1,180 |
| Memoranda: | ||
| Average total assets | $140,314,000 | 3,987 |
| Average earning assets | $132,868,250 | 3,896 |
| Average equity | $16,131,000 | 3,713 |
| Average total loans | $40,376,000 | 5,726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 6,155 |
| Cost of funding earning assets | 0.3634% | 7,205 |
| Net interest margin | 3.8891% | 3,371 |
| Noninterest income to average assets | 0.6625% | 2,753 |
| Noninterest expense to average assets | 3.0753% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0031% | 2,218 |
| Return on assets (ROA) | 1.0031% | 2,314 |
| Pretax return on assets | 1.2632% | 2,260 |
| Return on Equity (ROE) | 8.7996% | 2,597 |
| Retained earnings to average equity (ytd only) | -20.0071% | 7,138 |
| Net charge-offs to loans | 0.0101% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 439.5000% | 74 |
| Efficiency ratio | 70.8844% | 3,951 |
| Assets per employee ($millions) | 3.1407% | 5,778 |
| Cash dividends to net income (ytd only)* | 327.3639% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,291 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 7,107 |
| Noncurrent loans to loans | 0.0298% | 6,910 |
| Net loans and leases to total assets | 28.0918% | 7,237 |
| Net loans and leases to deposits | 34.0991% | 7,214 |
| Net loans and leases to core deposits | 37.7872% | 7,178 |
| Total domestic deposits to total assets | 82.3827% | 5,028 |
| Equity capital to assets | 11.0194% | 2,931 |
| Core capital (leverage) ratio | 10.9806% | 2,270 |
| Tier 1 risk-based capital ratio | 23.1361% | 1,098 |
| Total risk-based capital ratio | 23.8954% | 1,153 |
| Memoranda: | ||
| Average total assets | $139,171,330 | 4,037 |
| Average earning assets | $131,546,000 | 3,947 |
| Average equity | $15,864,330 | 3,755 |
| Average total loans | $39,451,000 | 5,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 6,440 |
| Cost of funding earning assets | 0.3831% | 7,257 |
| Net interest margin | 3.7481% | 3,847 |
| Noninterest income to average assets | 0.6402% | 2,896 |
| Noninterest expense to average assets | 3.0907% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8893% | 2,619 |
| Return on assets (ROA) | 0.8893% | 2,682 |
| Pretax return on assets | 1.0920% | 2,785 |
| Return on Equity (ROE) | 7.6704% | 3,060 |
| Retained earnings to average equity (ytd only) | 2.7484% | 4,521 |
| Net charge-offs to loans | -0.0205% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8920% | 3,533 |
| Assets per employee ($millions) | 3.0477% | 6,058 |
| Cash dividends to net income (ytd only)* | 64.1694% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 5,264 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 7,172 |
| Noncurrent loans to loans | 0.0327% | 6,976 |
| Net loans and leases to total assets | 27.9800% | 7,296 |
| Net loans and leases to deposits | 31.8835% | 7,324 |
| Net loans and leases to core deposits | 37.2789% | 7,236 |
| Total domestic deposits to total assets | 87.7569% | 2,514 |
| Equity capital to assets | 11.4842% | 2,290 |
| Core capital (leverage) ratio | 12.5435% | 1,306 |
| Tier 1 risk-based capital ratio | 25.6081% | 821 |
| Total risk-based capital ratio | 26.3694% | 849 |
| Memoranda: | ||
| Average total assets | $138,090,500 | 4,094 |
| Average earning assets | $130,520,000 | 4,015 |
| Average equity | $16,009,500 | 3,726 |
| Average total loans | $39,073,000 | 5,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 7,011 |
| Cost of funding earning assets | 0.4441% | 7,376 |
| Net interest margin | 3.6830% | 4,429 |
| Noninterest income to average assets | 0.5751% | 3,629 |
| Noninterest expense to average assets | 3.2672% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6122% | 3,618 |
| Return on assets (ROA) | 0.7576% | 3,088 |
| Pretax return on assets | 0.9562% | 3,082 |
| Return on Equity (ROE) | 6.0428% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.8153% | 4,595 |
| Net charge-offs to loans | -0.0342% | 7,412 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8849% | 2,295 |
| Assets per employee ($millions) | 2.8331% | 6,468 |
| Cash dividends to net income (ytd only)* | 69.9597% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,913 |
| Loan loss allowance to noncurrent loans | 3,614.2857% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 7,227 |
| Noncurrent loans to loans | 0.0364% | 7,038 |
| Net loans and leases to total assets | 27.8753% | 7,409 |
| Net loans and leases to deposits | 31.8956% | 7,430 |
| Net loans and leases to core deposits | 37.5150% | 7,365 |
| Total domestic deposits to total assets | 87.3952% | 2,614 |
| Equity capital to assets | 11.7062% | 2,120 |
| Core capital (leverage) ratio | 12.6444% | 1,261 |
| Tier 1 risk-based capital ratio | 26.4695% | 710 |
| Total risk-based capital ratio | 27.2599% | 734 |
| Memoranda: | ||
| Average total assets | $130,936,600 | 4,241 |
| Average earning assets | $123,160,200 | 4,164 |
| Average equity | $16,416,200 | 3,686 |
| Average total loans | $40,903,800 | 5,891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 7,140 |
| Cost of funding earning assets | 0.4565% | 7,513 |
| Net interest margin | 3.7059% | 4,373 |
| Noninterest income to average assets | 0.7208% | 2,701 |
| Noninterest expense to average assets | 3.3519% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6724% | 3,535 |
| Return on assets (ROA) | 0.6724% | 3,695 |
| Pretax return on assets | 0.8493% | 3,736 |
| Return on Equity (ROE) | 5.2718% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.2656% | 5,303 |
| Net charge-offs to loans | -0.0514% | 7,474 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7846% | 2,370 |
| Assets per employee ($millions) | 2.8349% | 6,522 |
| Cash dividends to net income (ytd only)* | 75.9937% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 5,576 |
| Loan loss allowance to noncurrent loans | 172.2034% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,822 |
| Noncurrent loans to loans | 0.6869% | 5,830 |
| Net loans and leases to total assets | 31.1860% | 7,436 |
| Net loans and leases to deposits | 38.1073% | 7,420 |
| Net loans and leases to core deposits | 41.9902% | 7,376 |
| Total domestic deposits to total assets | 81.8375% | 5,059 |
| Equity capital to assets | 12.7288% | 1,730 |
| Core capital (leverage) ratio | 12.4758% | 1,417 |
| Tier 1 risk-based capital ratio | 28.0247% | 624 |
| Total risk-based capital ratio | 28.8718% | 641 |
| Memoranda: | ||
| Average total assets | $129,673,750 | 4,333 |
| Average earning assets | $121,785,500 | 4,248 |
| Average equity | $16,540,500 | 3,718 |
| Average total loans | $41,526,500 | 5,943 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 7,233 |
| Cost of funding earning assets | 0.4678% | 7,583 |
| Net interest margin | 3.6790% | 4,456 |
| Noninterest income to average assets | 0.7323% | 2,504 |
| Noninterest expense to average assets | 3.4421% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5912% | 3,916 |
| Return on assets (ROA) | 0.5912% | 4,056 |
| Pretax return on assets | 0.7433% | 4,089 |
| Return on Equity (ROE) | 4.6314% | 4,470 |
| Retained earnings to average equity (ytd only) | 0.5651% | 5,538 |
| Net charge-offs to loans | -0.0438% | 7,426 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2405% | 2,129 |
| Assets per employee ($millions) | 2.9414% | 6,270 |
| Cash dividends to net income (ytd only)* | 87.7984% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,449 |
| Loan loss allowance to noncurrent loans | 205.3279% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 6,938 |
| Noncurrent loans to loans | 0.5855% | 6,078 |
| Net loans and leases to total assets | 30.4318% | 7,524 |
| Net loans and leases to deposits | 40.5539% | 7,433 |
| Net loans and leases to core deposits | 40.6721% | 7,476 |
| Total domestic deposits to total assets | 75.0403% | 6,851 |
| Equity capital to assets | 12.4629% | 1,823 |
| Core capital (leverage) ratio | 12.7938% | 1,284 |
| Tier 1 risk-based capital ratio | 28.4737% | 596 |
| Total risk-based capital ratio | 29.3283% | 608 |
| Memoranda: | ||
| Average total assets | $127,539,330 | 4,414 |
| Average earning assets | $119,706,330 | 4,318 |
| Average equity | $16,280,330 | 3,757 |
| Average total loans | $41,053,670 | 6,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 7,317 |
| Cost of funding earning assets | 0.4757% | 7,705 |
| Net interest margin | 3.6782% | 4,357 |
| Noninterest income to average assets | 0.7472% | 2,313 |
| Noninterest expense to average assets | 3.5712% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5046% | 4,372 |
| Return on assets (ROA) | 0.5046% | 4,512 |
| Pretax return on assets | 0.6275% | 4,498 |
| Return on Equity (ROE) | 3.9027% | 4,935 |
| Retained earnings to average equity (ytd only) | -0.2502% | 5,886 |
| Net charge-offs to loans | -0.1473% | 7,606 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0539% | 1,905 |
| Assets per employee ($millions) | 2.8092% | 6,627 |
| Cash dividends to net income (ytd only)* | 106.4103% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,429 |
| Loan loss allowance to noncurrent loans | 487.5000% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 7,290 |
| Noncurrent loans to loans | 0.2492% | 6,842 |
| Net loans and leases to total assets | 31.9043% | 7,568 |
| Net loans and leases to deposits | 40.9369% | 7,489 |
| Net loans and leases to core deposits | 41.0560% | 7,550 |
| Total domestic deposits to total assets | 77.9352% | 6,329 |
| Equity capital to assets | 12.5371% | 1,736 |
| Core capital (leverage) ratio | 13.3485% | 1,118 |
| Tier 1 risk-based capital ratio | 29.4020% | 558 |
| Total risk-based capital ratio | 30.2979% | 566 |
| Memoranda: | ||
| Average total assets | $123,656,000 | 4,547 |
| Average earning assets | $116,034,000 | 4,472 |
| Average equity | $15,989,000 | 3,827 |
| Average total loans | $40,742,000 | 6,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 7,753 |
| Cost of funding earning assets | 0.5973% | 7,776 |
| Net interest margin | 3.2481% | 5,936 |
| Noninterest income to average assets | 0.8115% | 2,350 |
| Noninterest expense to average assets | 3.8531% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0140% | 5,450 |
| Return on assets (ROA) | 0.2055% | 4,946 |
| Pretax return on assets | 0.1889% | 5,032 |
| Return on Equity (ROE) | 1.4645% | 5,101 |
| Retained earnings to average equity (ytd only) | -3.4775% | 5,785 |
| Net charge-offs to loans | 0.0415% | 6,696 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 6,440 |
| Efficiency ratio | 100.0681% | 1,101 |
| Assets per employee ($millions) | 2.5125% | 7,188 |
| Cash dividends to net income (ytd only)* | 337.4468% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 5,126 |
| Loan loss allowance to noncurrent loans | 487.1287% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 7,118 |
| Noncurrent loans to loans | 0.2541% | 6,789 |
| Net loans and leases to total assets | 33.2439% | 7,623 |
| Net loans and leases to deposits | 40.2991% | 7,619 |
| Net loans and leases to core deposits | 41.1352% | 7,743 |
| Total domestic deposits to total assets | 82.4927% | 4,747 |
| Equity capital to assets | 13.3604% | 1,374 |
| Core capital (leverage) ratio | 14.4267% | 898 |
| Tier 1 risk-based capital ratio | 31.9975% | 444 |
| Total risk-based capital ratio | 32.9431% | 441 |
| Memoranda: | ||
| Average total assets | $114,349,600 | 4,709 |
| Average earning assets | $106,987,000 | 4,655 |
| Average equity | $16,046,000 | 3,864 |
| Average total loans | $36,150,200 | 6,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 7,893 |
| Cost of funding earning assets | 0.6284% | 7,870 |
| Net interest margin | 3.0754% | 6,383 |
| Noninterest income to average assets | 0.7912% | 2,477 |
| Noninterest expense to average assets | 3.9206% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1763% | 6,021 |
| Return on assets (ROA) | 0.0811% | 5,572 |
| Pretax return on assets | 0.0047% | 5,696 |
| Return on Equity (ROE) | 0.5710% | 5,627 |
| Retained earnings to average equity (ytd only) | -4.6172% | 6,204 |
| Net charge-offs to loans | 0.0454% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -17.9163% | 6,935 |
| Efficiency ratio | 106.8910% | 838 |
| Assets per employee ($millions) | 2.4008% | 7,379 |
| Cash dividends to net income (ytd only)* | 908.6739% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,268 |
| Loan loss allowance to noncurrent loans | 298.1928% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 7,002 |
| Noncurrent loans to loans | 0.4489% | 6,426 |
| Net loans and leases to total assets | 31.6614% | 7,764 |
| Net loans and leases to deposits | 37.3361% | 7,796 |
| Net loans and leases to core deposits | 38.1035% | 7,874 |
| Total domestic deposits to total assets | 84.8010% | 3,323 |
| Equity capital to assets | 14.0110% | 1,302 |
| Core capital (leverage) ratio | 14.5570% | 944 |
| Tier 1 risk-based capital ratio | 29.5579% | 597 |
| Total risk-based capital ratio | 30.4368% | 602 |
| Memoranda: | ||
| Average total assets | $113,415,000 | 4,768 |
| Average earning assets | $106,087,000 | 4,705 |
| Average equity | $16,113,250 | 3,887 |
| Average total loans | $35,250,500 | 6,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 8,006 |
| Cost of funding earning assets | 0.6673% | 7,943 |
| Net interest margin | 2.9708% | 6,633 |
| Noninterest income to average assets | 0.7517% | 2,692 |
| Noninterest expense to average assets | 3.9856% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2148% | 6,215 |
| Return on assets (ROA) | 0.0337% | 5,835 |
| Pretax return on assets | -0.0674% | 5,957 |
| Return on Equity (ROE) | 0.2360% | 5,852 |
| Retained earnings to average equity (ytd only) | -5.4650% | 6,368 |
| Net charge-offs to loans | 0.0058% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -257.0000% | 6,622 |
| Efficiency ratio | 112.9081% | 779 |
| Assets per employee ($millions) | 2.4481% | 7,348 |
| Cash dividends to net income (ytd only)* | 2,415.7895% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,125 |
| Loan loss allowance to noncurrent loans | 196.1240% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 6,935 |
| Noncurrent loans to loans | 0.7707% | 5,691 |
| Net loans and leases to total assets | 28.6544% | 7,918 |
| Net loans and leases to deposits | 33.6391% | 7,945 |
| Net loans and leases to core deposits | 34.3319% | 7,999 |
| Total domestic deposits to total assets | 85.1818% | 3,174 |
| Equity capital to assets | 13.5763% | 1,471 |
| Core capital (leverage) ratio | 14.2454% | 1,081 |
| Tier 1 risk-based capital ratio | 27.8794% | 727 |
| Total risk-based capital ratio | 28.7209% | 728 |
| Memoranda: | ||
| Average total assets | $112,807,330 | 4,808 |
| Average earning assets | $105,493,000 | 4,738 |
| Average equity | $16,102,330 | 3,896 |
| Average total loans | $34,673,670 | 6,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 8,073 |
| Cost of funding earning assets | 0.7246% | 7,980 |
| Net interest margin | 2.9177% | 6,705 |
| Noninterest income to average assets | 0.7163% | 2,786 |
| Noninterest expense to average assets | 3.9362% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4370% | 6,817 |
| Return on assets (ROA) | 0.1289% | 6,057 |
| Pretax return on assets | 0.0716% | 6,230 |
| Return on Equity (ROE) | 0.8811% | 6,162 |
| Retained earnings to average equity (ytd only) | -4.7237% | 6,517 |
| Net charge-offs to loans | 0.0454% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -34.5000% | 5,687 |
| Efficiency ratio | 114.3600% | 726 |
| Assets per employee ($millions) | 2.3778% | 7,493 |
| Cash dividends to net income (ytd only)* | 636.1111% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 3,424 |
| Loan loss allowance to noncurrent loans | 448.2143% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 7,293 |
| Noncurrent loans to loans | 0.3155% | 6,652 |
| Net loans and leases to total assets | 30.6672% | 7,901 |
| Net loans and leases to deposits | 36.2014% | 7,937 |
| Net loans and leases to core deposits | 36.8334% | 8,019 |
| Total domestic deposits to total assets | 84.7128% | 3,353 |
| Equity capital to assets | 14.0623% | 1,349 |
| Core capital (leverage) ratio | 15.2205% | 919 |
| Tier 1 risk-based capital ratio | 39.1255% | 339 |
| Total risk-based capital ratio | 40.2801% | 333 |
| Memoranda: | ||
| Average total assets | $111,680,500 | 4,861 |
| Average earning assets | $104,327,000 | 4,797 |
| Average equity | $16,343,000 | 3,876 |
| Average total loans | $35,272,500 | 6,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 7,972 |
| Cost of funding earning assets | 0.8516% | 8,106 |
| Net interest margin | 3.8655% | 3,721 |
| Noninterest income to average assets | 0.9245% | 1,877 |
| Noninterest expense to average assets | 3.8160% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5588% | 4,487 |
| Return on assets (ROA) | 0.5611% | 4,331 |
| Pretax return on assets | 0.6801% | 4,454 |
| Return on Equity (ROE) | 3.5869% | 4,998 |
| Retained earnings to average equity (ytd only) | -3.0017% | 6,107 |
| Net charge-offs to loans | -0.0162% | 7,901 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9256% | 1,958 |
| Assets per employee ($millions) | 2.1845% | 7,736 |
| Cash dividends to net income (ytd only)* | 183.6868% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 2,941 |
| Loan loss allowance to noncurrent loans | 405.6000% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 7,071 |
| Noncurrent loans to loans | 0.3567% | 6,301 |
| Net loans and leases to total assets | 31.6170% | 7,957 |
| Net loans and leases to deposits | 37.7549% | 7,980 |
| Net loans and leases to core deposits | 38.4044% | 8,075 |
| Total domestic deposits to total assets | 83.7429% | 3,464 |
| Equity capital to assets | 15.2308% | 1,105 |
| Core capital (leverage) ratio | 15.8064% | 864 |
| Tier 1 risk-based capital ratio | 38.4547% | 364 |
| Total risk-based capital ratio | 39.5879% | 359 |
| Memoranda: | ||
| Average total assets | $109,250,800 | 4,806 |
| Average earning assets | $100,865,600 | 4,782 |
| Average equity | $17,090,200 | 3,723 |
| Average total loans | $37,135,800 | 6,308 |