Home > Bank of Clarkson > Performance and Condition Ratios
Bank of Clarkson, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 2,024 |
| Cost of funding earning assets | 1.7944% | 2,738 |
| Net interest margin | 3.7646% | 1,567 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.3593% | 2,691 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.3525% | 1,173 |
| Return on assets (ROA) | 1.3525% | 1,164 |
| Pretax return on assets | 1.6852% | 995 |
| Return on Equity (ROE) | 15.2900% | 889 |
| Retained earnings to average equity (ytd only) | 6.9137% | 1,457 |
| Net charge-offs to loans | 0.0247% | 2,081 |
| Credit loss provision to net charge-offs | 470.8333% | 667 |
| Earnings coverage of net charge-offs (x) | 118.3750% | 729 |
| Efficiency ratio | 57.3615% | 3,420 |
| Assets per employee ($millions) | 7.3240% | 1,948 |
| Cash dividends to net income (ytd only)* | 54.7695% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 4,213 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,654 |
| Noncurrent loans to loans | 0.0201% | 3,608 |
| Net loans and leases to total assets | 64.4600% | 2,529 |
| Net loans and leases to deposits | 77.6344% | 2,318 |
| Net loans and leases to core deposits | 87.7511% | 2,279 |
| Total domestic deposits to total assets | 83.0400% | 3,024 |
| Equity capital to assets | 8.9680% | 2,833 |
| Core capital (leverage) ratio | 12.3365% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5430% | 709 |
| Memoranda: | ||
| Average total assets | $161,997,800 | 3,269 |
| Average earning assets | $149,576,600 | 3,258 |
| Average equity | $14,333,800 | 3,383 |
| Average total loans | $97,112,600 | 3,234 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 2,086 |
| Cost of funding earning assets | 1.7181% | 2,915 |
| Net interest margin | 3.7804% | 1,490 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 2.3894% | 2,554 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.2937% | 1,316 |
| Return on assets (ROA) | 1.2937% | 1,314 |
| Pretax return on assets | 1.6546% | 1,084 |
| Return on Equity (ROE) | 14.6700% | 1,005 |
| Retained earnings to average equity (ytd only) | 6.2821% | 1,995 |
| Net charge-offs to loans | 0.0140% | 2,138 |
| Credit loss provision to net charge-offs | 940.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 211.2000% | 501 |
| Efficiency ratio | 57.9199% | 3,364 |
| Assets per employee ($millions) | 7.2027% | 2,002 |
| Cash dividends to net income (ytd only)* | 57.1792% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 4,234 |
| Loan loss allowance to noncurrent loans | 1,510.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,579 |
| Noncurrent loans to loans | 0.0395% | 3,526 |
| Net loans and leases to total assets | 63.4500% | 2,589 |
| Net loans and leases to deposits | 74.8416% | 2,621 |
| Net loans and leases to core deposits | 84.2643% | 2,549 |
| Total domestic deposits to total assets | 84.7800% | 2,368 |
| Equity capital to assets | 9.6826% | 2,513 |
| Core capital (leverage) ratio | 11.8747% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8869% | 696 |
| Memoranda: | ||
| Average total assets | $162,215,000 | 3,260 |
| Average earning assets | $149,855,000 | 3,258 |
| Average equity | $14,304,750 | 3,389 |
| Average total loans | $95,270,750 | 3,254 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 2,189 |
| Cost of funding earning assets | 1.5909% | 3,101 |
| Net interest margin | 3.7872% | 1,444 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.3222% | 2,733 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.3214% | 1,222 |
| Return on assets (ROA) | 1.3214% | 1,234 |
| Pretax return on assets | 1.6921% | 990 |
| Return on Equity (ROE) | 15.4700% | 918 |
| Retained earnings to average equity (ytd only) | 6.8774% | 1,690 |
| Net charge-offs to loans | 0.0214% | 1,728 |
| Credit loss provision to net charge-offs | 730.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 145.8000% | 612 |
| Efficiency ratio | 56.5554% | 3,530 |
| Assets per employee ($millions) | 7.8780% | 1,522 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6159% | 4,220 |
| Loan loss allowance to noncurrent loans | 3,886.6667% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,728 |
| Noncurrent loans to loans | 0.0158% | 3,669 |
| Net loans and leases to total assets | 56.8600% | 3,196 |
| Net loans and leases to deposits | 65.8030% | 3,269 |
| Net loans and leases to core deposits | 77.1850% | 2,968 |
| Total domestic deposits to total assets | 86.4100% | 1,853 |
| Equity capital to assets | 8.3869% | 3,176 |
| Core capital (leverage) ratio | 11.7326% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8255% | 601 |
| Memoranda: | ||
| Average total assets | $163,466,667 | 3,259 |
| Average earning assets | $150,983,333 | 3,253 |
| Average equity | $13,958,667 | 3,404 |
| Average total loans | $93,313,000 | 3,279 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 2,122 |
| Cost of funding earning assets | 1.5701% | 3,042 |
| Net interest margin | 3.7721% | 1,407 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.1639% | 3,156 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.4328% | 999 |
| Return on assets (ROA) | 1.4328% | 1,009 |
| Pretax return on assets | 1.8636% | 754 |
| Return on Equity (ROE) | 16.6300% | 764 |
| Retained earnings to average equity (ytd only) | 8.0569% | 1,534 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.8563% | 3,836 |
| Assets per employee ($millions) | 8.1249% | 1,375 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 4,250 |
| Loan loss allowance to noncurrent loans | 1,486.4865% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,590 |
| Noncurrent loans to loans | 0.0396% | 3,486 |
| Net loans and leases to total assets | 57.2200% | 3,108 |
| Net loans and leases to deposits | 64.8687% | 3,241 |
| Net loans and leases to core deposits | 75.0587% | 3,043 |
| Total domestic deposits to total assets | 88.2000% | 1,359 |
| Equity capital to assets | 8.6039% | 2,949 |
| Core capital (leverage) ratio | 12.4222% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9576% | 612 |
| Memoranda: | ||
| Average total assets | $162,481,500 | 3,274 |
| Average earning assets | $150,049,500 | 3,272 |
| Average equity | $14,000,500 | 3,403 |
| Average total loans | $92,643,000 | 3,293 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 2,506 |
| Cost of funding earning assets | 1.0482% | 3,199 |
| Net interest margin | 3.7363% | 1,684 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.4959% | 2,308 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3091% | 1,419 |
| Return on assets (ROA) | 1.3424% | 1,314 |
| Pretax return on assets | 1.7122% | 1,044 |
| Return on Equity (ROE) | 15.8700% | 1,122 |
| Retained earnings to average equity (ytd only) | 6.5351% | 2,047 |
| Net charge-offs to loans | 0.0147% | 2,110 |
| Credit loss provision to net charge-offs | 1,323.0769% | 322 |
| Earnings coverage of net charge-offs (x) | 209.3846% | 569 |
| Efficiency ratio | 58.2195% | 3,274 |
| Assets per employee ($millions) | 8.1233% | 1,374 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 4,282 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.1600% | 3,180 |
| Net loans and leases to deposits | 63.4937% | 3,315 |
| Net loans and leases to core deposits | 73.1823% | 3,115 |
| Total domestic deposits to total assets | 88.4500% | 1,218 |
| Equity capital to assets | 8.6295% | 2,946 |
| Core capital (leverage) ratio | 12.5036% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3837% | 748 |
| Memoranda: | ||
| Average total assets | $151,971,000 | 3,341 |
| Average earning assets | $139,951,200 | 3,345 |
| Average equity | $12,853,600 | 3,441 |
| Average total loans | $88,456,400 | 3,309 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 2,649 |
| Cost of funding earning assets | 0.8840% | 3,313 |
| Net interest margin | 3.7281% | 1,723 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.5515% | 2,079 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.2192% | 1,738 |
| Return on assets (ROA) | 1.2650% | 1,608 |
| Pretax return on assets | 1.7203% | 1,132 |
| Return on Equity (ROE) | 15.0400% | 1,435 |
| Retained earnings to average equity (ytd only) | 5.4873% | 2,780 |
| Net charge-offs to loans | 0.0015% | 2,544 |
| Credit loss provision to net charge-offs | 15,100.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 2,025.0000% | 68 |
| Efficiency ratio | 58.5296% | 3,140 |
| Assets per employee ($millions) | 6.2414% | 2,534 |
| Cash dividends to net income (ytd only)* | 63.5145% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 4,317 |
| Loan loss allowance to noncurrent loans | 337.7483% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,932 |
| Noncurrent loans to loans | 0.1641% | 2,727 |
| Net loans and leases to total assets | 58.6600% | 2,973 |
| Net loans and leases to deposits | 65.5986% | 3,163 |
| Net loans and leases to core deposits | 74.4275% | 2,966 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 7.2086% | 3,511 |
| Core capital (leverage) ratio | 13.0230% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0080% | 698 |
| Memoranda: | ||
| Average total assets | $149,347,250 | 3,378 |
| Average earning assets | $137,404,000 | 3,378 |
| Average equity | $12,562,000 | 3,466 |
| Average total loans | $87,629,750 | 3,326 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 2,632 |
| Cost of funding earning assets | 0.7737% | 3,287 |
| Net interest margin | 3.7327% | 1,751 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.5898% | 1,954 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9962% | 2,430 |
| Return on assets (ROA) | 1.0563% | 2,243 |
| Pretax return on assets | 1.4641% | 1,663 |
| Return on Equity (ROE) | 11.9500% | 2,173 |
| Retained earnings to average equity (ytd only) | 2.7231% | 3,550 |
| Net charge-offs to loans | 0.0046% | 2,112 |
| Credit loss provision to net charge-offs | 2,200.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 271 |
| Efficiency ratio | 63.8191% | 2,509 |
| Assets per employee ($millions) | 5.9323% | 2,768 |
| Cash dividends to net income (ytd only)* | 77.2201% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 4,410 |
| Loan loss allowance to noncurrent loans | 394.1176% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,080 |
| Noncurrent loans to loans | 0.1169% | 2,893 |
| Net loans and leases to total assets | 58.5900% | 2,911 |
| Net loans and leases to deposits | 65.0286% | 3,124 |
| Net loans and leases to core deposits | 69.5856% | 3,153 |
| Total domestic deposits to total assets | 90.0900% | 905 |
| Equity capital to assets | 8.5552% | 2,817 |
| Core capital (leverage) ratio | 13.0412% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0338% | 635 |
| Memoranda: | ||
| Average total assets | $147,118,000 | 3,408 |
| Average earning assets | $135,451,667 | 3,407 |
| Average equity | $13,000,000 | 3,434 |
| Average total loans | $86,159,333 | 3,349 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 2,418 |
| Cost of funding earning assets | 0.6455% | 3,239 |
| Net interest margin | 3.8079% | 1,673 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.5252% | 2,181 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1132% | 2,183 |
| Return on assets (ROA) | 1.2339% | 1,811 |
| Pretax return on assets | 1.6161% | 1,424 |
| Return on Equity (ROE) | 13.7400% | 1,827 |
| Retained earnings to average equity (ytd only) | 4.6215% | 3,110 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0158% | 2,821 |
| Assets per employee ($millions) | 5.8769% | 2,872 |
| Cash dividends to net income (ytd only)* | 66.3717% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4655% | 4,462 |
| Loan loss allowance to noncurrent loans | 423.1579% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,148 |
| Noncurrent loans to loans | 0.1100% | 2,973 |
| Net loans and leases to total assets | 58.5000% | 2,822 |
| Net loans and leases to deposits | 65.3389% | 2,990 |
| Net loans and leases to core deposits | 69.3977% | 2,992 |
| Total domestic deposits to total assets | 89.5400% | 1,327 |
| Equity capital to assets | 9.2572% | 2,313 |
| Core capital (leverage) ratio | 13.0516% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1783% | 640 |
| Memoranda: | ||
| Average total assets | $146,523,000 | 3,459 |
| Average earning assets | $135,088,500 | 3,460 |
| Average equity | $13,156,000 | 3,462 |
| Average total loans | $85,594,000 | 3,394 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,908 |
| Cost of funding earning assets | 0.3429% | 2,538 |
| Net interest margin | 3.5886% | 1,678 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.2898% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3162% | 1,373 |
| Return on assets (ROA) | 1.3617% | 1,197 |
| Pretax return on assets | 1.7114% | 895 |
| Return on Equity (ROE) | 14.4500% | 1,420 |
| Retained earnings to average equity (ytd only) | 6.0333% | 2,635 |
| Net charge-offs to loans | 0.0063% | 2,182 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 501.6000% | 330 |
| Efficiency ratio | 58.0040% | 3,341 |
| Assets per employee ($millions) | 6.3532% | 2,462 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4244% | 4,487 |
| Loan loss allowance to noncurrent loans | 216.8675% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,731 |
| Noncurrent loans to loans | 0.1957% | 2,500 |
| Net loans and leases to total assets | 57.8100% | 2,839 |
| Net loans and leases to deposits | 64.0852% | 3,035 |
| Net loans and leases to core deposits | 67.2928% | 3,050 |
| Total domestic deposits to total assets | 90.2000% | 1,272 |
| Equity capital to assets | 8.6988% | 2,562 |
| Core capital (leverage) ratio | 12.8274% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1527% | 617 |
| Memoranda: | ||
| Average total assets | $151,279,600 | 3,432 |
| Average earning assets | $139,970,800 | 3,417 |
| Average equity | $14,254,200 | 3,433 |
| Average total loans | $79,032,600 | 3,427 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 1,748 |
| Cost of funding earning assets | 0.3188% | 1,973 |
| Net interest margin | 3.4856% | 1,704 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.3359% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1779% | 1,783 |
| Return on assets (ROA) | 1.2366% | 1,541 |
| Pretax return on assets | 1.5721% | 1,194 |
| Return on Equity (ROE) | 12.8900% | 1,736 |
| Retained earnings to average equity (ytd only) | 4.6902% | 3,201 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8607% | 3,003 |
| Assets per employee ($millions) | 6.1905% | 2,584 |
| Cash dividends to net income (ytd only)* | 63.6042% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3998% | 4,542 |
| Loan loss allowance to noncurrent loans | 496.9231% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,464 |
| Noncurrent loans to loans | 0.0805% | 3,302 |
| Net loans and leases to total assets | 54.1600% | 3,084 |
| Net loans and leases to deposits | 60.2298% | 3,181 |
| Net loans and leases to core deposits | 63.0272% | 3,189 |
| Total domestic deposits to total assets | 89.9300% | 1,695 |
| Equity capital to assets | 8.3764% | 2,620 |
| Core capital (leverage) ratio | 12.2625% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6692% | 588 |
| Memoranda: | ||
| Average total assets | $152,568,750 | 3,445 |
| Average earning assets | $141,377,000 | 3,432 |
| Average equity | $14,640,000 | 3,453 |
| Average total loans | $77,583,250 | 3,462 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 1,602 |
| Cost of funding earning assets | 0.3244% | 1,487 |
| Net interest margin | 3.3519% | 1,751 |
| Noninterest income to average assets | 0.6199% | 1,655 |
| Noninterest expense to average assets | 2.3730% | 2,328 |
| Loan and lease loss provision to assets | 0.0065% | 2,482 |
| Net operating income to assets | 1.0786% | 1,863 |
| Return on assets (ROA) | 1.0786% | 1,841 |
| Pretax return on assets | 1.3554% | 1,571 |
| Return on Equity (ROE) | 10.7991% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.9925% | 3,446 |
| Net charge-offs to loans | 0.0026% | 1,994 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 1,048.0000% | 125 |
| Efficiency ratio | 63.5351% | 2,836 |
| Assets per employee ($millions) | 5.7769% | 2,951 |
| Cash dividends to net income (ytd only)* | 72.2892% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 4,609 |
| Loan loss allowance to noncurrent loans | 219.0476% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,022 |
| Noncurrent loans to loans | 0.1909% | 2,751 |
| Net loans and leases to total assets | 51.0569% | 3,258 |
| Net loans and leases to deposits | 56.6386% | 3,331 |
| Net loans and leases to core deposits | 59.2438% | 3,326 |
| Total domestic deposits to total assets | 90.1451% | 1,652 |
| Equity capital to assets | 8.5260% | 2,740 |
| Core capital (leverage) ratio | 11.8896% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3971% | 511 |
| Memoranda: | ||
| Average total assets | $153,901,000 | 3,462 |
| Average earning assets | $143,023,333 | 3,465 |
| Average equity | $15,371,667 | 3,465 |
| Average total loans | $76,513,333 | 3,510 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 1,414 |
| Cost of funding earning assets | 0.3191% | 1,474 |
| Net interest margin | 3.3151% | 1,535 |
| Noninterest income to average assets | 0.5855% | 1,755 |
| Noninterest expense to average assets | 2.2009% | 2,836 |
| Loan and lease loss provision to assets | 0.0128% | 2,110 |
| Net operating income to assets | 1.1583% | 1,356 |
| Return on assets (ROA) | 1.1583% | 1,356 |
| Pretax return on assets | 1.4664% | 1,086 |
| Return on Equity (ROE) | 10.8319% | 1,668 |
| Retained earnings to average equity (ytd only) | 3.6266% | 3,063 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8046% | 3,503 |
| Assets per employee ($millions) | 5.9908% | 2,824 |
| Cash dividends to net income (ytd only)* | 66.5188% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4351% | 4,630 |
| Loan loss allowance to noncurrent loans | 237.5000% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 3,201 |
| Noncurrent loans to loans | 0.1832% | 2,898 |
| Net loans and leases to total assets | 47.4480% | 3,441 |
| Net loans and leases to deposits | 53.4733% | 3,461 |
| Net loans and leases to core deposits | 55.9907% | 3,446 |
| Total domestic deposits to total assets | 88.7322% | 2,196 |
| Equity capital to assets | 9.9954% | 1,890 |
| Core capital (leverage) ratio | 11.7009% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1646% | 422 |
| Memoranda: | ||
| Average total assets | $155,752,000 | 3,465 |
| Average earning assets | $145,394,500 | 3,458 |
| Average equity | $16,654,500 | 3,424 |
| Average total loans | $76,265,500 | 3,522 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 2,215 |
| Cost of funding earning assets | 0.3893% | 1,615 |
| Net interest margin | 3.2725% | 2,400 |
| Noninterest income to average assets | 0.6528% | 1,932 |
| Noninterest expense to average assets | 2.3196% | 2,737 |
| Loan and lease loss provision to assets | 0.0352% | 2,349 |
| Net operating income to assets | 1.1061% | 2,276 |
| Return on assets (ROA) | 1.1056% | 2,336 |
| Pretax return on assets | 1.3625% | 2,167 |
| Return on Equity (ROE) | 9.0929% | 2,877 |
| Retained earnings to average equity (ytd only) | 2.4029% | 3,859 |
| Net charge-offs to loans | 0.0051% | 2,407 |
| Credit loss provision to net charge-offs | 1,300.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 515.7500% | 269 |
| Efficiency ratio | 62.3883% | 2,803 |
| Assets per employee ($millions) | 5.9901% | 2,784 |
| Cash dividends to net income (ytd only)* | 73.5745% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 4,679 |
| Loan loss allowance to noncurrent loans | 13.2225% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5442% | 261 |
| Noncurrent loans to loans | 3.0714% | 190 |
| Net loans and leases to total assets | 50.0726% | 3,265 |
| Net loans and leases to deposits | 57.2456% | 3,315 |
| Net loans and leases to core deposits | 60.2123% | 3,300 |
| Total domestic deposits to total assets | 87.4697% | 2,297 |
| Equity capital to assets | 11.3906% | 1,561 |
| Core capital (leverage) ratio | 11.6453% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7418% | 511 |
| Memoranda: | ||
| Average total assets | $147,526,800 | 3,509 |
| Average earning assets | $138,181,200 | 3,497 |
| Average equity | $17,937,000 | 3,391 |
| Average total loans | $78,176,800 | 3,511 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 2,190 |
| Cost of funding earning assets | 0.3982% | 1,706 |
| Net interest margin | 3.3344% | 2,324 |
| Noninterest income to average assets | 0.6535% | 1,992 |
| Noninterest expense to average assets | 2.3243% | 2,679 |
| Loan and lease loss provision to assets | 0.0296% | 2,408 |
| Net operating income to assets | 1.1299% | 2,436 |
| Return on assets (ROA) | 1.1292% | 2,501 |
| Pretax return on assets | 1.4225% | 2,243 |
| Return on Equity (ROE) | 9.1327% | 3,068 |
| Retained earnings to average equity (ytd only) | 2.4611% | 4,067 |
| Net charge-offs to loans | 0.0068% | 2,065 |
| Credit loss provision to net charge-offs | 800.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 396.2500% | 355 |
| Efficiency ratio | 61.5385% | 2,762 |
| Assets per employee ($millions) | 6.0668% | 2,627 |
| Cash dividends to net income (ytd only)* | 73.0519% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3942% | 4,768 |
| Loan loss allowance to noncurrent loans | 12.2684% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6015% | 296 |
| Noncurrent loans to loans | 3.2128% | 192 |
| Net loans and leases to total assets | 49.6515% | 3,447 |
| Net loans and leases to deposits | 57.4363% | 3,451 |
| Net loans and leases to core deposits | 60.7599% | 3,420 |
| Total domestic deposits to total assets | 86.4463% | 2,584 |
| Equity capital to assets | 11.9772% | 1,416 |
| Core capital (leverage) ratio | 11.9666% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2360% | 520 |
| Memoranda: | ||
| Average total assets | $145,473,000 | 3,564 |
| Average earning assets | $136,273,000 | 3,551 |
| Average equity | $17,986,250 | 3,429 |
| Average total loans | $78,145,500 | 3,555 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 1,932 |
| Cost of funding earning assets | 0.4048% | 1,846 |
| Net interest margin | 3.4513% | 2,003 |
| Noninterest income to average assets | 0.6387% | 2,050 |
| Noninterest expense to average assets | 2.3011% | 2,772 |
| Loan and lease loss provision to assets | 0.0446% | 2,120 |
| Net operating income to assets | 1.2075% | 2,169 |
| Return on assets (ROA) | 1.2064% | 2,240 |
| Pretax return on assets | 1.5257% | 1,938 |
| Return on Equity (ROE) | 9.6506% | 2,887 |
| Retained earnings to average equity (ytd only) | 2.9565% | 3,853 |
| Net charge-offs to loans | 0.0101% | 1,771 |
| Credit loss provision to net charge-offs | 800.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 281.7500% | 387 |
| Efficiency ratio | 59.4166% | 3,093 |
| Assets per employee ($millions) | 5.7043% | 2,892 |
| Cash dividends to net income (ytd only)* | 69.3642% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3918% | 4,804 |
| Loan loss allowance to noncurrent loans | 141.2322% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,300 |
| Noncurrent loans to loans | 0.2774% | 2,942 |
| Net loans and leases to total assets | 51.0758% | 3,443 |
| Net loans and leases to deposits | 59.2474% | 3,449 |
| Net loans and leases to core deposits | 62.3668% | 3,432 |
| Total domestic deposits to total assets | 86.2075% | 2,660 |
| Equity capital to assets | 12.1716% | 1,284 |
| Core capital (leverage) ratio | 12.1739% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6558% | 503 |
| Memoranda: | ||
| Average total assets | $143,407,000 | 3,595 |
| Average earning assets | $134,382,667 | 3,578 |
| Average equity | $17,926,333 | 3,435 |
| Average total loans | $78,992,333 | 3,564 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 1,831 |
| Cost of funding earning assets | 0.4165% | 1,960 |
| Net interest margin | 3.4831% | 1,869 |
| Noninterest income to average assets | 0.6243% | 2,114 |
| Noninterest expense to average assets | 2.1596% | 3,238 |
| Loan and lease loss provision to assets | 0.0341% | 2,323 |
| Net operating income to assets | 1.3394% | 1,712 |
| Return on assets (ROA) | 1.3394% | 1,799 |
| Pretax return on assets | 1.7055% | 1,474 |
| Return on Equity (ROE) | 10.5690% | 2,505 |
| Retained earnings to average equity (ytd only) | 3.8514% | 3,547 |
| Net charge-offs to loans | 0.0050% | 1,733 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 613.0000% | 164 |
| Efficiency ratio | 55.3857% | 3,621 |
| Assets per employee ($millions) | 6.0987% | 2,496 |
| Cash dividends to net income (ytd only)* | 63.5593% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3543% | 4,849 |
| Loan loss allowance to noncurrent loans | 133.8095% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,454 |
| Noncurrent loans to loans | 0.2648% | 3,159 |
| Net loans and leases to total assets | 53.9882% | 3,240 |
| Net loans and leases to deposits | 62.5263% | 3,271 |
| Net loans and leases to core deposits | 65.7711% | 3,263 |
| Total domestic deposits to total assets | 86.3448% | 2,606 |
| Equity capital to assets | 12.1166% | 1,236 |
| Core capital (leverage) ratio | 12.7524% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2428% | 500 |
| Memoranda: | ||
| Average total assets | $140,954,000 | 3,628 |
| Average earning assets | $132,524,500 | 3,603 |
| Average equity | $17,863,500 | 3,435 |
| Average total loans | $80,463,500 | 3,554 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 1,331 |
| Cost of funding earning assets | 0.5244% | 2,783 |
| Net interest margin | 3.9682% | 1,045 |
| Noninterest income to average assets | 0.7292% | 1,746 |
| Noninterest expense to average assets | 2.6945% | 2,254 |
| Loan and lease loss provision to assets | 0.0157% | 4,181 |
| Net operating income to assets | 1.5516% | 710 |
| Return on assets (ROA) | 1.5509% | 773 |
| Pretax return on assets | 1.7350% | 793 |
| Return on Equity (ROE) | 11.3584% | 1,507 |
| Retained earnings to average equity (ytd only) | 4.4745% | 2,549 |
| Net charge-offs to loans | 0.0285% | 2,469 |
| Credit loss provision to net charge-offs | 83.3333% | 2,965 |
| Earnings coverage of net charge-offs (x) | 93.1667% | 825 |
| Efficiency ratio | 60.6061% | 3,373 |
| Assets per employee ($millions) | 5.6475% | 2,690 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3308% | 4,889 |
| Loan loss allowance to noncurrent loans | 108.4337% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,365 |
| Noncurrent loans to loans | 0.3051% | 3,108 |
| Net loans and leases to total assets | 60.0226% | 2,858 |
| Net loans and leases to deposits | 70.5359% | 2,823 |
| Net loans and leases to core deposits | 74.7238% | 2,844 |
| Total domestic deposits to total assets | 85.0951% | 2,724 |
| Equity capital to assets | 13.2744% | 1,009 |
| Core capital (leverage) ratio | 13.1864% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6490% | 615 |
| Memoranda: | ||
| Average total assets | $127,668,000 | 3,659 |
| Average earning assets | $119,575,000 | 3,624 |
| Average equity | $17,432,000 | 3,426 |
| Average total loans | $84,233,800 | 3,494 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,291 |
| Cost of funding earning assets | 0.5472% | 2,951 |
| Net interest margin | 4.0571% | 985 |
| Noninterest income to average assets | 0.7489% | 1,646 |
| Noninterest expense to average assets | 2.6677% | 2,346 |
| Loan and lease loss provision to assets | 0.0215% | 4,067 |
| Net operating income to assets | 1.5177% | 871 |
| Return on assets (ROA) | 1.5168% | 952 |
| Pretax return on assets | 1.8573% | 703 |
| Return on Equity (ROE) | 11.0260% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.0866% | 3,005 |
| Net charge-offs to loans | -0.0016% | 3,861 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6657% | 3,574 |
| Assets per employee ($millions) | 5.4688% | 2,738 |
| Cash dividends to net income (ytd only)* | 62.9371% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3593% | 4,905 |
| Loan loss allowance to noncurrent loans | 797.2973% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,323 |
| Noncurrent loans to loans | 0.0451% | 4,203 |
| Net loans and leases to total assets | 62.3375% | 2,963 |
| Net loans and leases to deposits | 73.7923% | 2,980 |
| Net loans and leases to core deposits | 78.1094% | 2,995 |
| Total domestic deposits to total assets | 84.4770% | 2,642 |
| Equity capital to assets | 13.5185% | 998 |
| Core capital (leverage) ratio | 13.3306% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6938% | 607 |
| Memoranda: | ||
| Average total assets | $125,700,250 | 3,670 |
| Average earning assets | $117,682,750 | 3,636 |
| Average equity | $17,292,000 | 3,440 |
| Average total loans | $84,886,250 | 3,502 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 1,235 |
| Cost of funding earning assets | 0.5759% | 3,103 |
| Net interest margin | 4.1966% | 932 |
| Noninterest income to average assets | 0.7541% | 1,567 |
| Noninterest expense to average assets | 2.6532% | 2,512 |
| Loan and lease loss provision to assets | 0.0323% | 3,861 |
| Net operating income to assets | 1.6294% | 716 |
| Return on assets (ROA) | 1.6294% | 785 |
| Pretax return on assets | 1.9992% | 546 |
| Return on Equity (ROE) | 11.7725% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.7720% | 2,578 |
| Net charge-offs to loans | -0.0093% | 4,192 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6356% | 3,871 |
| Assets per employee ($millions) | 5.5972% | 2,547 |
| Cash dividends to net income (ytd only)* | 59.4648% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3587% | 4,932 |
| Loan loss allowance to noncurrent loans | 323.9130% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 4,170 |
| Noncurrent loans to loans | 0.1107% | 4,012 |
| Net loans and leases to total assets | 64.3003% | 2,845 |
| Net loans and leases to deposits | 76.3287% | 2,823 |
| Net loans and leases to core deposits | 80.9017% | 2,879 |
| Total domestic deposits to total assets | 84.2413% | 2,666 |
| Equity capital to assets | 13.6762% | 938 |
| Core capital (leverage) ratio | 13.7663% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5352% | 840 |
| Memoranda: | ||
| Average total assets | $123,850,333 | 3,674 |
| Average earning assets | $116,000,000 | 3,649 |
| Average equity | $17,141,667 | 3,458 |
| Average total loans | $85,810,667 | 3,484 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 963 |
| Cost of funding earning assets | 0.6047% | 3,409 |
| Net interest margin | 4.3984% | 629 |
| Noninterest income to average assets | 0.8303% | 1,226 |
| Noninterest expense to average assets | 2.6061% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9070% | 333 |
| Return on assets (ROA) | 1.9043% | 368 |
| Pretax return on assets | 2.3425% | 223 |
| Return on Equity (ROE) | 13.6728% | 767 |
| Retained earnings to average equity (ytd only) | 6.5762% | 1,687 |
| Net charge-offs to loans | -0.0229% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6281% | 4,497 |
| Assets per employee ($millions) | 4.6680% | 3,039 |
| Cash dividends to net income (ytd only)* | 51.9031% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3218% | 4,981 |
| Loan loss allowance to noncurrent loans | 457.3770% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,289 |
| Noncurrent loans to loans | 0.0704% | 4,244 |
| Net loans and leases to total assets | 71.1950% | 2,051 |
| Net loans and leases to deposits | 84.6150% | 2,153 |
| Net loans and leases to core deposits | 89.7578% | 2,370 |
| Total domestic deposits to total assets | 84.1400% | 2,742 |
| Equity capital to assets | 13.8702% | 1,105 |
| Core capital (leverage) ratio | 14.0821% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7337% | 1,023 |
| Memoranda: | ||
| Average total assets | $121,408,000 | 3,685 |
| Average earning assets | $113,769,000 | 3,650 |
| Average equity | $16,909,500 | 3,481 |
| Average total loans | $87,178,500 | 3,457 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,777 |
| Cost of funding earning assets | 0.5738% | 3,747 |
| Net interest margin | 4.3175% | 1,056 |
| Noninterest income to average assets | 0.8492% | 1,302 |
| Noninterest expense to average assets | 2.8895% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7140% | 639 |
| Return on assets (ROA) | 1.7133% | 683 |
| Pretax return on assets | 2.0196% | 576 |
| Return on Equity (ROE) | 12.6719% | 1,283 |
| Retained earnings to average equity (ytd only) | 5.3259% | 2,264 |
| Net charge-offs to loans | 0.0117% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 244.1000% | 339 |
| Efficiency ratio | 58.8503% | 3,857 |
| Assets per employee ($millions) | 4.6711% | 2,986 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3137% | 5,037 |
| Loan loss allowance to noncurrent loans | 1,309.5238% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,503 |
| Noncurrent loans to loans | 0.0240% | 4,470 |
| Net loans and leases to total assets | 71.9608% | 2,095 |
| Net loans and leases to deposits | 88.1282% | 1,827 |
| Net loans and leases to core deposits | 93.0358% | 2,156 |
| Total domestic deposits to total assets | 81.6547% | 3,601 |
| Equity capital to assets | 13.9854% | 1,106 |
| Core capital (leverage) ratio | 13.8457% | 968 |
| Tier 1 risk-based capital ratio | 17.6016% | 1,864 |
| Total risk-based capital ratio | 17.8882% | 2,107 |
| Memoranda: | ||
| Average total assets | $120,817,800 | 3,687 |
| Average earning assets | $113,629,400 | 3,655 |
| Average equity | $16,335,400 | 3,517 |
| Average total loans | $85,115,800 | 3,499 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 2,009 |
| Cost of funding earning assets | 0.5531% | 3,909 |
| Net interest margin | 4.2836% | 1,191 |
| Noninterest income to average assets | 0.8442% | 1,293 |
| Noninterest expense to average assets | 2.8266% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6728% | 784 |
| Return on assets (ROA) | 1.6719% | 833 |
| Pretax return on assets | 2.0476% | 620 |
| Return on Equity (ROE) | 12.4731% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.0535% | 2,869 |
| Net charge-offs to loans | 0.0142% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 205.9950% | 434 |
| Efficiency ratio | 57.9782% | 3,942 |
| Assets per employee ($millions) | 5.2439% | 2,293 |
| Cash dividends to net income (ytd only)* | 59.4846% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3227% | 5,107 |
| Loan loss allowance to noncurrent loans | 225.4098% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 4,150 |
| Noncurrent loans to loans | 0.1432% | 4,027 |
| Net loans and leases to total assets | 70.4193% | 2,409 |
| Net loans and leases to deposits | 86.6565% | 2,113 |
| Net loans and leases to core deposits | 91.5166% | 2,416 |
| Total domestic deposits to total assets | 81.2626% | 3,674 |
| Equity capital to assets | 13.8273% | 1,220 |
| Core capital (leverage) ratio | 13.8935% | 1,013 |
| Tier 1 risk-based capital ratio | 17.6544% | 1,908 |
| Total risk-based capital ratio | 17.9462% | 2,126 |
| Memoranda: | ||
| Average total assets | $120,660,250 | 3,729 |
| Average earning assets | $113,545,500 | 3,689 |
| Average equity | $16,173,000 | 3,558 |
| Average total loans | $84,477,250 | 3,556 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 2,122 |
| Cost of funding earning assets | 0.5387% | 3,938 |
| Net interest margin | 4.2424% | 1,261 |
| Noninterest income to average assets | 0.8005% | 1,347 |
| Noninterest expense to average assets | 2.7611% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6623% | 783 |
| Return on assets (ROA) | 1.6623% | 819 |
| Pretax return on assets | 2.0335% | 637 |
| Return on Equity (ROE) | 12.5336% | 1,395 |
| Retained earnings to average equity (ytd only) | 5.0359% | 2,753 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5873% | 4,060 |
| Assets per employee ($millions) | 5.2484% | 2,205 |
| Cash dividends to net income (ytd only)* | 59.8205% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3357% | 5,151 |
| Loan loss allowance to noncurrent loans | 359.4937% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,428 |
| Noncurrent loans to loans | 0.0934% | 4,266 |
| Net loans and leases to total assets | 69.8467% | 2,549 |
| Net loans and leases to deposits | 83.3999% | 2,557 |
| Net loans and leases to core deposits | 87.0302% | 2,884 |
| Total domestic deposits to total assets | 83.7491% | 2,966 |
| Equity capital to assets | 13.6091% | 1,278 |
| Core capital (leverage) ratio | 13.6080% | 1,076 |
| Tier 1 risk-based capital ratio | 17.6343% | 1,902 |
| Total risk-based capital ratio | 17.9392% | 2,124 |
| Memoranda: | ||
| Average total assets | $120,677,330 | 3,749 |
| Average earning assets | $113,614,670 | 3,715 |
| Average equity | $16,005,000 | 3,577 |
| Average total loans | $84,234,000 | 3,578 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,106 |
| Cost of funding earning assets | 0.5246% | 3,947 |
| Net interest margin | 4.2076% | 1,288 |
| Noninterest income to average assets | 0.7426% | 1,453 |
| Noninterest expense to average assets | 2.8709% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5051% | 1,103 |
| Return on assets (ROA) | 1.5051% | 1,132 |
| Pretax return on assets | 1.8333% | 906 |
| Return on Equity (ROE) | 11.4984% | 1,737 |
| Retained earnings to average equity (ytd only) | 3.9003% | 3,352 |
| Net charge-offs to loans | -0.0095% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0289% | 3,678 |
| Assets per employee ($millions) | 5.3021% | 2,170 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3338% | 5,221 |
| Loan loss allowance to noncurrent loans | 794.4444% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,598 |
| Noncurrent loans to loans | 0.0420% | 4,575 |
| Net loans and leases to total assets | 70.0331% | 2,471 |
| Net loans and leases to deposits | 85.1214% | 2,238 |
| Net loans and leases to core deposits | 89.0757% | 2,594 |
| Total domestic deposits to total assets | 82.2744% | 3,653 |
| Equity capital to assets | 13.0982% | 1,396 |
| Core capital (leverage) ratio | 13.4670% | 1,096 |
| Tier 1 risk-based capital ratio | 17.2521% | 2,036 |
| Total risk-based capital ratio | 17.5571% | 2,280 |
| Memoranda: | ||
| Average total assets | $120,659,500 | 3,793 |
| Average earning assets | $113,605,000 | 3,752 |
| Average equity | $15,793,500 | 3,605 |
| Average total loans | $84,052,000 | 3,609 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 2,475 |
| Cost of funding earning assets | 0.4033% | 3,969 |
| Net interest margin | 4.0912% | 1,707 |
| Noninterest income to average assets | 0.9113% | 1,154 |
| Noninterest expense to average assets | 2.8388% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5773% | 932 |
| Return on assets (ROA) | 1.5759% | 924 |
| Pretax return on assets | 1.9183% | 684 |
| Return on Equity (ROE) | 12.3368% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.4538% | 3,076 |
| Net charge-offs to loans | 0.0228% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 134.5882% | 602 |
| Efficiency ratio | 59.6544% | 3,923 |
| Assets per employee ($millions) | 4.7748% | 2,782 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3446% | 5,259 |
| Loan loss allowance to noncurrent loans | 443.7500% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,470 |
| Noncurrent loans to loans | 0.0777% | 4,402 |
| Net loans and leases to total assets | 68.8023% | 2,764 |
| Net loans and leases to deposits | 82.8851% | 2,633 |
| Net loans and leases to core deposits | 87.2304% | 2,817 |
| Total domestic deposits to total assets | 83.0093% | 3,322 |
| Equity capital to assets | 13.0802% | 1,307 |
| Core capital (leverage) ratio | 13.5539% | 1,060 |
| Tier 1 risk-based capital ratio | 17.7378% | 1,832 |
| Total risk-based capital ratio | 18.0522% | 2,073 |
| Memoranda: | ||
| Average total assets | $119,168,600 | 3,803 |
| Average earning assets | $112,070,000 | 3,777 |
| Average equity | $15,222,800 | 3,610 |
| Average total loans | $74,653,400 | 3,780 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,599 |
| Cost of funding earning assets | 0.3759% | 4,014 |
| Net interest margin | 4.0328% | 1,849 |
| Noninterest income to average assets | 0.9234% | 1,129 |
| Noninterest expense to average assets | 2.9505% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4549% | 1,314 |
| Return on assets (ROA) | 1.4540% | 1,314 |
| Pretax return on assets | 1.7663% | 1,096 |
| Return on Equity (ROE) | 11.4510% | 1,999 |
| Retained earnings to average equity (ytd only) | 3.5173% | 4,016 |
| Net charge-offs to loans | 0.0165% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 175.4400% | 483 |
| Efficiency ratio | 62.5386% | 3,422 |
| Assets per employee ($millions) | 4.6847% | 2,861 |
| Cash dividends to net income (ytd only)* | 69.2839% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3738% | 5,312 |
| Loan loss allowance to noncurrent loans | 297.9592% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,458 |
| Noncurrent loans to loans | 0.1254% | 4,323 |
| Net loans and leases to total assets | 66.4586% | 3,130 |
| Net loans and leases to deposits | 78.7485% | 3,166 |
| Net loans and leases to core deposits | 81.6677% | 3,355 |
| Total domestic deposits to total assets | 84.3935% | 2,815 |
| Equity capital to assets | 12.9946% | 1,343 |
| Core capital (leverage) ratio | 13.1971% | 1,209 |
| Tier 1 risk-based capital ratio | 18.5333% | 1,652 |
| Total risk-based capital ratio | 18.8770% | 1,849 |
| Memoranda: | ||
| Average total assets | $119,118,000 | 3,841 |
| Average earning assets | $112,078,750 | 3,815 |
| Average equity | $15,125,000 | 3,644 |
| Average total loans | $72,713,250 | 3,852 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,692 |
| Cost of funding earning assets | 0.3543% | 4,046 |
| Net interest margin | 3.9685% | 1,969 |
| Noninterest income to average assets | 0.9684% | 1,015 |
| Noninterest expense to average assets | 2.9737% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4309% | 1,337 |
| Return on assets (ROA) | 1.4309% | 1,337 |
| Pretax return on assets | 1.7348% | 1,127 |
| Return on Equity (ROE) | 11.3558% | 1,971 |
| Retained earnings to average equity (ytd only) | 3.4054% | 3,872 |
| Net charge-offs to loans | 0.0254% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 115.4444% | 626 |
| Efficiency ratio | 63.1560% | 3,445 |
| Assets per employee ($millions) | 4.6072% | 2,957 |
| Cash dividends to net income (ytd only)* | 70.0117% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 5,372 |
| Loan loss allowance to noncurrent loans | 328.0899% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,546 |
| Noncurrent loans to loans | 0.1169% | 4,384 |
| Net loans and leases to total assets | 63.3054% | 3,474 |
| Net loans and leases to deposits | 74.5671% | 3,479 |
| Net loans and leases to core deposits | 76.8531% | 3,672 |
| Total domestic deposits to total assets | 84.8972% | 2,711 |
| Equity capital to assets | 12.6392% | 1,468 |
| Core capital (leverage) ratio | 13.0643% | 1,196 |
| Tier 1 risk-based capital ratio | 19.0189% | 1,546 |
| Total risk-based capital ratio | 19.3749% | 1,725 |
| Memoranda: | ||
| Average total assets | $119,784,670 | 3,864 |
| Average earning assets | $112,888,670 | 3,830 |
| Average equity | $15,093,670 | 3,671 |
| Average total loans | $70,908,670 | 3,911 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,656 |
| Cost of funding earning assets | 0.3326% | 4,116 |
| Net interest margin | 3.9311% | 1,925 |
| Noninterest income to average assets | 1.0552% | 825 |
| Noninterest expense to average assets | 3.1423% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3591% | 1,454 |
| Return on assets (ROA) | 1.3591% | 1,466 |
| Pretax return on assets | 1.6229% | 1,322 |
| Return on Equity (ROE) | 10.8026% | 2,042 |
| Retained earnings to average equity (ytd only) | 2.8400% | 4,057 |
| Net charge-offs to loans | 0.0293% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 97.2000% | 627 |
| Efficiency ratio | 65.9425% | 3,164 |
| Assets per employee ($millions) | 4.8403% | 2,691 |
| Cash dividends to net income (ytd only)* | 73.7101% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4229% | 5,412 |
| Loan loss allowance to noncurrent loans | 528.5714% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,560 |
| Noncurrent loans to loans | 0.0800% | 4,622 |
| Net loans and leases to total assets | 57.5945% | 3,983 |
| Net loans and leases to deposits | 67.4650% | 3,985 |
| Net loans and leases to core deposits | 69.1505% | 4,134 |
| Total domestic deposits to total assets | 85.3696% | 2,799 |
| Equity capital to assets | 12.3975% | 1,551 |
| Core capital (leverage) ratio | 12.9732% | 1,191 |
| Tier 1 risk-based capital ratio | 19.9239% | 1,358 |
| Total risk-based capital ratio | 20.3056% | 1,503 |
| Memoranda: | ||
| Average total assets | $119,784,000 | 3,901 |
| Average earning assets | $113,046,000 | 3,866 |
| Average equity | $15,070,500 | 3,699 |
| Average total loans | $68,301,500 | 4,002 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 2,948 |
| Cost of funding earning assets | 0.3075% | 4,062 |
| Net interest margin | 3.8238% | 2,343 |
| Noninterest income to average assets | 0.7629% | 1,721 |
| Noninterest expense to average assets | 2.6895% | 3,160 |
| Loan and lease loss provision to assets | 0.0388% | 3,497 |
| Net operating income to assets | 1.2152% | 1,468 |
| Return on assets (ROA) | 1.2152% | 1,497 |
| Pretax return on assets | 1.6650% | 1,111 |
| Return on Equity (ROE) | 9.5610% | 2,074 |
| Retained earnings to average equity (ytd only) | 1.5935% | 4,355 |
| Net charge-offs to loans | 0.0655% | 2,538 |
| Credit loss provision to net charge-offs | 104.5455% | 2,457 |
| Earnings coverage of net charge-offs (x) | 45.8864% | 1,163 |
| Efficiency ratio | 61.2178% | 4,073 |
| Assets per employee ($millions) | 4.5600% | 3,096 |
| Cash dividends to net income (ytd only)* | 83.3333% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 5,444 |
| Loan loss allowance to noncurrent loans | 257.2650% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,350 |
| Noncurrent loans to loans | 0.1756% | 4,215 |
| Net loans and leases to total assets | 55.9312% | 4,196 |
| Net loans and leases to deposits | 65.7968% | 4,205 |
| Net loans and leases to core deposits | 66.9014% | 4,369 |
| Total domestic deposits to total assets | 85.0059% | 2,832 |
| Equity capital to assets | 12.7691% | 1,369 |
| Core capital (leverage) ratio | 12.7242% | 1,256 |
| Tier 1 risk-based capital ratio | 20.9316% | 1,155 |
| Total risk-based capital ratio | 21.3422% | 1,258 |
| Memoranda: | ||
| Average total assets | $118,499,600 | 3,924 |
| Average earning assets | $112,505,000 | 3,875 |
| Average equity | $15,061,200 | 3,714 |
| Average total loans | $67,124,400 | 4,028 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,161 |
| Cost of funding earning assets | 0.3400% | 3,771 |
| Net interest margin | 3.7139% | 2,701 |
| Noninterest income to average assets | 0.8226% | 1,508 |
| Noninterest expense to average assets | 2.6534% | 3,236 |
| Loan and lease loss provision to assets | 0.0518% | 3,066 |
| Net operating income to assets | 1.1776% | 1,783 |
| Return on assets (ROA) | 1.1759% | 1,831 |
| Pretax return on assets | 1.6429% | 1,267 |
| Return on Equity (ROE) | 9.2629% | 2,462 |
| Retained earnings to average equity (ytd only) | 1.2853% | 4,891 |
| Net charge-offs to loans | 0.0872% | 1,922 |
| Credit loss provision to net charge-offs | 104.5455% | 2,214 |
| Earnings coverage of net charge-offs (x) | 34.2700% | 1,446 |
| Efficiency ratio | 60.9933% | 4,045 |
| Assets per employee ($millions) | 4.8135% | 2,680 |
| Cash dividends to net income (ytd only)* | 86.1243% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4320% | 5,534 |
| Loan loss allowance to noncurrent loans | 668.8889% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,734 |
| Noncurrent loans to loans | 0.0646% | 4,817 |
| Net loans and leases to total assets | 57.6485% | 4,097 |
| Net loans and leases to deposits | 67.8179% | 4,126 |
| Net loans and leases to core deposits | 68.9051% | 4,307 |
| Total domestic deposits to total assets | 85.0047% | 2,712 |
| Equity capital to assets | 12.7308% | 1,528 |
| Core capital (leverage) ratio | 12.7779% | 1,304 |
| Tier 1 risk-based capital ratio | 20.1206% | 1,337 |
| Total risk-based capital ratio | 20.5177% | 1,482 |
| Memoranda: | ||
| Average total assets | $118,484,500 | 3,957 |
| Average earning assets | $112,547,000 | 3,913 |
| Average equity | $15,041,750 | 3,749 |
| Average total loans | $67,252,250 | 4,055 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,362 |
| Cost of funding earning assets | 0.3424% | 3,660 |
| Net interest margin | 3.6133% | 2,983 |
| Noninterest income to average assets | 0.7907% | 1,604 |
| Noninterest expense to average assets | 2.5622% | 3,541 |
| Loan and lease loss provision to assets | 0.0153% | 3,650 |
| Net operating income to assets | 1.1793% | 1,672 |
| Return on assets (ROA) | 1.1793% | 1,703 |
| Pretax return on assets | 1.6510% | 1,191 |
| Return on Equity (ROE) | 9.2983% | 2,364 |
| Retained earnings to average equity (ytd only) | 1.2710% | 4,741 |
| Net charge-offs to loans | 0.0211% | 2,801 |
| Credit loss provision to net charge-offs | 128.5714% | 1,695 |
| Earnings coverage of net charge-offs (x) | 140.2857% | 527 |
| Efficiency ratio | 60.5939% | 4,225 |
| Assets per employee ($millions) | 4.5679% | 2,993 |
| Cash dividends to net income (ytd only)* | 86.3309% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,568 |
| Loan loss allowance to noncurrent loans | 224.6269% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,642 |
| Noncurrent loans to loans | 0.1993% | 4,320 |
| Net loans and leases to total assets | 56.3701% | 4,188 |
| Net loans and leases to deposits | 66.3679% | 4,194 |
| Net loans and leases to core deposits | 67.4288% | 4,385 |
| Total domestic deposits to total assets | 84.9358% | 2,842 |
| Equity capital to assets | 12.8624% | 1,438 |
| Core capital (leverage) ratio | 12.8546% | 1,241 |
| Tier 1 risk-based capital ratio | 20.9087% | 1,204 |
| Total risk-based capital ratio | 21.3228% | 1,324 |
| Memoranda: | ||
| Average total assets | $117,866,670 | 3,993 |
| Average earning assets | $112,142,670 | 3,943 |
| Average equity | $14,949,000 | 3,768 |
| Average total loans | $66,445,000 | 4,092 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 2,846 |
| Cost of funding earning assets | 0.3493% | 3,539 |
| Net interest margin | 3.7029% | 2,479 |
| Noninterest income to average assets | 0.8081% | 1,521 |
| Noninterest expense to average assets | 2.7278% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1320% | 1,741 |
| Return on assets (ROA) | 1.1320% | 1,776 |
| Pretax return on assets | 1.6230% | 1,177 |
| Return on Equity (ROE) | 9.0141% | 2,414 |
| Retained earnings to average equity (ytd only) | 0.8688% | 4,702 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6959% | 4,040 |
| Assets per employee ($millions) | 4.9521% | 2,504 |
| Cash dividends to net income (ytd only)* | 90.3614% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4551% | 5,641 |
| Loan loss allowance to noncurrent loans | 161.6216% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,262 |
| Noncurrent loans to loans | 0.2816% | 4,108 |
| Net loans and leases to total assets | 55.0341% | 4,254 |
| Net loans and leases to deposits | 64.4338% | 4,288 |
| Net loans and leases to core deposits | 65.4682% | 4,466 |
| Total domestic deposits to total assets | 85.4119% | 2,916 |
| Equity capital to assets | 12.4981% | 1,535 |
| Core capital (leverage) ratio | 12.8290% | 1,206 |
| Tier 1 risk-based capital ratio | 22.1693% | 1,068 |
| Total risk-based capital ratio | 22.6088% | 1,146 |
| Memoranda: | ||
| Average total assets | $117,312,500 | 4,041 |
| Average earning assets | $112,237,000 | 3,975 |
| Average equity | $14,732,500 | 3,810 |
| Average total loans | $66,043,000 | 4,128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,686 |
| Cost of funding earning assets | 0.3398% | 3,634 |
| Net interest margin | 3.8032% | 2,309 |
| Noninterest income to average assets | 0.8304% | 1,648 |
| Noninterest expense to average assets | 2.5145% | 3,964 |
| Loan and lease loss provision to assets | 0.0432% | 3,521 |
| Net operating income to assets | 1.3406% | 1,115 |
| Return on assets (ROA) | 1.3526% | 1,148 |
| Pretax return on assets | 1.9232% | 591 |
| Return on Equity (ROE) | 10.6129% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.4856% | 4,098 |
| Net charge-offs to loans | 0.0773% | 2,582 |
| Credit loss provision to net charge-offs | 108.6957% | 2,415 |
| Earnings coverage of net charge-offs (x) | 49.0870% | 1,019 |
| Efficiency ratio | 56.3334% | 5,035 |
| Assets per employee ($millions) | 4.6310% | 2,918 |
| Cash dividends to net income (ytd only)* | 76.5795% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 5,702 |
| Loan loss allowance to noncurrent loans | 200.6711% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 4,449 |
| Noncurrent loans to loans | 0.2245% | 4,347 |
| Net loans and leases to total assets | 57.0762% | 4,154 |
| Net loans and leases to deposits | 66.8921% | 4,179 |
| Net loans and leases to core deposits | 68.1673% | 4,385 |
| Total domestic deposits to total assets | 85.3258% | 2,911 |
| Equity capital to assets | 12.5070% | 1,523 |
| Core capital (leverage) ratio | 12.7006% | 1,253 |
| Tier 1 risk-based capital ratio | 21.8019% | 1,109 |
| Total risk-based capital ratio | 22.2388% | 1,189 |
| Memoranda: | ||
| Average total assets | $115,847,800 | 4,068 |
| Average earning assets | $110,668,800 | 3,999 |
| Average equity | $14,765,000 | 3,840 |
| Average total loans | $59,473,200 | 4,319 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 2,966 |
| Cost of funding earning assets | 0.3530% | 3,504 |
| Net interest margin | 3.7225% | 2,629 |
| Noninterest income to average assets | 0.8320% | 1,642 |
| Noninterest expense to average assets | 2.6098% | 3,625 |
| Loan and lease loss provision to assets | 0.0276% | 3,685 |
| Net operating income to assets | 1.2451% | 1,473 |
| Return on assets (ROA) | 1.2508% | 1,560 |
| Pretax return on assets | 1.7583% | 981 |
| Return on Equity (ROE) | 9.7686% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.6805% | 4,836 |
| Net charge-offs to loans | 0.0462% | 2,724 |
| Credit loss provision to net charge-offs | 120.0000% | 2,086 |
| Earnings coverage of net charge-offs (x) | 77.2385% | 806 |
| Efficiency ratio | 59.4807% | 4,616 |
| Assets per employee ($millions) | 4.8430% | 2,569 |
| Cash dividends to net income (ytd only)* | 82.7965% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 5,761 |
| Loan loss allowance to noncurrent loans | 189.2405% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,400 |
| Noncurrent loans to loans | 0.2423% | 4,403 |
| Net loans and leases to total assets | 53.6110% | 4,527 |
| Net loans and leases to deposits | 66.1274% | 4,330 |
| Net loans and leases to core deposits | 67.2176% | 4,531 |
| Total domestic deposits to total assets | 81.0722% | 4,232 |
| Equity capital to assets | 12.4533% | 1,805 |
| Core capital (leverage) ratio | 12.4613% | 1,409 |
| Tier 1 risk-based capital ratio | 21.8813% | 1,155 |
| Total risk-based capital ratio | 22.3251% | 1,235 |
| Memoranda: | ||
| Average total assets | $115,866,000 | 4,092 |
| Average earning assets | $110,677,000 | 4,017 |
| Average equity | $14,836,250 | 3,861 |
| Average total loans | $57,746,750 | 4,388 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 2,864 |
| Cost of funding earning assets | 0.3436% | 3,634 |
| Net interest margin | 3.7553% | 2,499 |
| Noninterest income to average assets | 0.8359% | 1,594 |
| Noninterest expense to average assets | 2.7004% | 3,398 |
| Loan and lease loss provision to assets | 0.0421% | 3,306 |
| Net operating income to assets | 1.1983% | 1,613 |
| Return on assets (ROA) | 1.2109% | 1,655 |
| Pretax return on assets | 1.6928% | 1,109 |
| Return on Equity (ROE) | 9.3659% | 2,327 |
| Retained earnings to average equity (ytd only) | 1.2334% | 4,888 |
| Net charge-offs to loans | 0.0760% | 2,102 |
| Credit loss provision to net charge-offs | 114.2857% | 1,923 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 1,037 |
| Efficiency ratio | 61.1265% | 4,491 |
| Assets per employee ($millions) | 4.8211% | 2,531 |
| Cash dividends to net income (ytd only)* | 86.8307% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 5,814 |
| Loan loss allowance to noncurrent loans | 119.2000% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,517 |
| Noncurrent loans to loans | 0.4079% | 3,896 |
| Net loans and leases to total assets | 52.7125% | 4,615 |
| Net loans and leases to deposits | 62.4106% | 4,623 |
| Net loans and leases to core deposits | 63.4435% | 4,783 |
| Total domestic deposits to total assets | 84.4607% | 3,104 |
| Equity capital to assets | 12.9975% | 1,503 |
| Core capital (leverage) ratio | 12.8204% | 1,223 |
| Tier 1 risk-based capital ratio | 23.4466% | 968 |
| Total risk-based capital ratio | 23.9237% | 1,037 |
| Memoranda: | ||
| Average total assets | $114,129,330 | 4,155 |
| Average earning assets | $108,860,000 | 4,085 |
| Average equity | $14,755,670 | 3,893 |
| Average total loans | $55,259,330 | 4,497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,648 |
| Cost of funding earning assets | 0.3926% | 3,164 |
| Net interest margin | 3.7589% | 2,442 |
| Noninterest income to average assets | 0.8399% | 1,474 |
| Noninterest expense to average assets | 2.8092% | 3,034 |
| Loan and lease loss provision to assets | 0.0529% | 2,879 |
| Net operating income to assets | 1.1328% | 1,777 |
| Return on assets (ROA) | 1.1611% | 1,782 |
| Pretax return on assets | 1.5987% | 1,299 |
| Return on Equity (ROE) | 9.0051% | 2,423 |
| Retained earnings to average equity (ytd only) | 0.7938% | 4,902 |
| Net charge-offs to loans | 0.0919% | 1,592 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 38.0833% | 1,041 |
| Efficiency ratio | 63.5275% | 4,208 |
| Assets per employee ($millions) | 4.4146% | 3,228 |
| Cash dividends to net income (ytd only)* | 91.1854% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 5,781 |
| Loan loss allowance to noncurrent loans | 96.1290% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 4,239 |
| Noncurrent loans to loans | 0.5982% | 3,385 |
| Net loans and leases to total assets | 44.8928% | 5,198 |
| Net loans and leases to deposits | 52.9383% | 5,169 |
| Net loans and leases to core deposits | 53.6733% | 5,274 |
| Total domestic deposits to total assets | 84.8022% | 3,200 |
| Equity capital to assets | 12.8219% | 1,498 |
| Core capital (leverage) ratio | 12.9452% | 1,181 |
| Tier 1 risk-based capital ratio | 27.2112% | 660 |
| Total risk-based capital ratio | 27.7672% | 689 |
| Memoranda: | ||
| Average total assets | $113,340,500 | 4,190 |
| Average earning assets | $108,011,000 | 4,127 |
| Average equity | $14,614,000 | 3,913 |
| Average total loans | $52,244,000 | 4,609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 4,026 |
| Cost of funding earning assets | 0.3588% | 3,602 |
| Net interest margin | 3.4474% | 3,730 |
| Noninterest income to average assets | 0.8219% | 1,700 |
| Noninterest expense to average assets | 2.5068% | 4,205 |
| Loan and lease loss provision to assets | 0.0799% | 2,684 |
| Net operating income to assets | 1.0831% | 1,997 |
| Return on assets (ROA) | 1.1697% | 1,740 |
| Pretax return on assets | 1.6592% | 1,085 |
| Return on Equity (ROE) | 9.9782% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.9782% | 461 |
| Net charge-offs to loans | 0.1642% | 1,728 |
| Credit loss provision to net charge-offs | 106.8966% | 2,355 |
| Earnings coverage of net charge-offs (x) | 21.6207% | 1,807 |
| Efficiency ratio | 60.8125% | 4,784 |
| Assets per employee ($millions) | 4.8628% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,859 |
| Loan loss allowance to noncurrent loans | 47.6575% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 3,295 |
| Noncurrent loans to loans | 1.1754% | 2,010 |
| Net loans and leases to total assets | 46.8210% | 5,108 |
| Net loans and leases to deposits | 55.3013% | 5,089 |
| Net loans and leases to core deposits | 56.1107% | 5,199 |
| Total domestic deposits to total assets | 84.6654% | 3,230 |
| Equity capital to assets | 12.9241% | 1,387 |
| Core capital (leverage) ratio | 12.5139% | 1,345 |
| Tier 1 risk-based capital ratio | 26.3227% | 724 |
| Total risk-based capital ratio | 26.8583% | 749 |
| Memoranda: | ||
| Average total assets | $116,442,800 | 4,122 |
| Average earning assets | $111,476,200 | 4,045 |
| Average equity | $13,649,800 | 4,026 |
| Average total loans | $52,998,600 | 4,580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 4,538 |
| Cost of funding earning assets | 0.3718% | 3,529 |
| Net interest margin | 3.2938% | 4,377 |
| Noninterest income to average assets | 0.8039% | 1,790 |
| Noninterest expense to average assets | 2.5024% | 4,184 |
| Loan and lease loss provision to assets | 0.0533% | 3,129 |
| Net operating income to assets | 0.9878% | 2,527 |
| Return on assets (ROA) | 1.1021% | 2,076 |
| Pretax return on assets | 1.5658% | 1,492 |
| Return on Equity (ROE) | 9.6365% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.6365% | 702 |
| Net charge-offs to loans | 0.1030% | 2,104 |
| Credit loss provision to net charge-offs | 114.6341% | 2,061 |
| Earnings coverage of net charge-offs (x) | 31.3144% | 1,458 |
| Efficiency ratio | 63.2197% | 4,377 |
| Assets per employee ($millions) | 4.8359% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 5,958 |
| Loan loss allowance to noncurrent loans | 54.4280% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 3,599 |
| Noncurrent loans to loans | 1.0175% | 2,441 |
| Net loans and leases to total assets | 45.6437% | 5,254 |
| Net loans and leases to deposits | 53.4858% | 5,285 |
| Net loans and leases to core deposits | 54.2332% | 5,388 |
| Total domestic deposits to total assets | 85.3380% | 2,858 |
| Equity capital to assets | 12.0367% | 2,075 |
| Core capital (leverage) ratio | 12.1086% | 1,614 |
| Tier 1 risk-based capital ratio | 25.1713% | 838 |
| Total risk-based capital ratio | 25.6976% | 890 |
| Memoranda: | ||
| Average total assets | $117,592,250 | 4,150 |
| Average earning assets | $112,613,500 | 4,071 |
| Average equity | $13,448,500 | 4,099 |
| Average total loans | $53,082,750 | 4,629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,912 |
| Cost of funding earning assets | 0.3641% | 3,659 |
| Net interest margin | 3.1655% | 4,767 |
| Noninterest income to average assets | 0.8941% | 1,462 |
| Noninterest expense to average assets | 2.5232% | 4,164 |
| Loan and lease loss provision to assets | 0.0644% | 2,833 |
| Net operating income to assets | 0.9383% | 2,699 |
| Return on assets (ROA) | 1.1126% | 1,987 |
| Pretax return on assets | 1.5885% | 1,363 |
| Return on Equity (ROE) | 9.8986% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.8986% | 685 |
| Net charge-offs to loans | 0.1433% | 1,639 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 21.8158% | 1,662 |
| Efficiency ratio | 64.2518% | 4,315 |
| Assets per employee ($millions) | 4.5184% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 6,048 |
| Loan loss allowance to noncurrent loans | 59.1002% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,795 |
| Noncurrent loans to loans | 0.9272% | 2,814 |
| Net loans and leases to total assets | 44.6475% | 5,341 |
| Net loans and leases to deposits | 51.8906% | 5,390 |
| Net loans and leases to core deposits | 52.7522% | 5,496 |
| Total domestic deposits to total assets | 86.0416% | 2,678 |
| Equity capital to assets | 11.4821% | 2,431 |
| Core capital (leverage) ratio | 11.7275% | 1,821 |
| Tier 1 risk-based capital ratio | 24.9462% | 867 |
| Total risk-based capital ratio | 25.4689% | 924 |
| Memoranda: | ||
| Average total assets | $118,102,330 | 4,184 |
| Average earning assets | $113,157,670 | 4,090 |
| Average equity | $13,274,670 | 4,150 |
| Average total loans | $53,020,330 | 4,672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 5,243 |
| Cost of funding earning assets | 0.3742% | 3,601 |
| Net interest margin | 3.0080% | 5,195 |
| Noninterest income to average assets | 0.6857% | 2,223 |
| Noninterest expense to average assets | 2.4963% | 4,271 |
| Loan and lease loss provision to assets | 0.1047% | 1,957 |
| Net operating income to assets | 0.6787% | 3,896 |
| Return on assets (ROA) | 1.0337% | 2,255 |
| Pretax return on assets | 1.4627% | 1,685 |
| Return on Equity (ROE) | 9.2956% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.2956% | 1,105 |
| Net charge-offs to loans | 0.2408% | 990 |
| Credit loss provision to net charge-offs | 96.8750% | 1,697 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 1,977 |
| Efficiency ratio | 70.0474% | 3,480 |
| Assets per employee ($millions) | 5.1611% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 6,123 |
| Loan loss allowance to noncurrent loans | 44.6512% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 3,343 |
| Noncurrent loans to loans | 1.2168% | 2,339 |
| Net loans and leases to total assets | 44.4114% | 5,324 |
| Net loans and leases to deposits | 51.4457% | 5,365 |
| Net loans and leases to core deposits | 52.1464% | 5,480 |
| Total domestic deposits to total assets | 86.3267% | 2,751 |
| Equity capital to assets | 11.2800% | 2,672 |
| Core capital (leverage) ratio | 11.3842% | 2,097 |
| Tier 1 risk-based capital ratio | 24.4925% | 942 |
| Total risk-based capital ratio | 25.0173% | 1,004 |
| Memoranda: | ||
| Average total assets | $118,414,500 | 4,215 |
| Average earning assets | $113,297,500 | 4,113 |
| Average equity | $13,167,500 | 4,210 |
| Average total loans | $53,160,500 | 4,695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,776 |
| Cost of funding earning assets | 0.4392% | 3,284 |
| Net interest margin | 3.5465% | 3,616 |
| Noninterest income to average assets | 0.7383% | 2,129 |
| Noninterest expense to average assets | 2.3800% | 4,895 |
| Loan and lease loss provision to assets | 0.0550% | 3,451 |
| Net operating income to assets | 1.1713% | 1,667 |
| Return on assets (ROA) | 1.1684% | 1,755 |
| Pretax return on assets | 1.6967% | 993 |
| Return on Equity (ROE) | 11.6582% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.5894% | 1,604 |
| Net charge-offs to loans | 0.1133% | 2,899 |
| Credit loss provision to net charge-offs | 106.5574% | 2,244 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,219 |
| Efficiency ratio | 57.5435% | 5,511 |
| Assets per employee ($millions) | 5.1358% | 2,143 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 6,213 |
| Loan loss allowance to noncurrent loans | 42.5000% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 3,510 |
| Noncurrent loans to loans | 1.2755% | 2,324 |
| Net loans and leases to total assets | 44.8896% | 5,412 |
| Net loans and leases to deposits | 51.7944% | 5,493 |
| Net loans and leases to core deposits | 52.4990% | 5,591 |
| Total domestic deposits to total assets | 86.6690% | 2,473 |
| Equity capital to assets | 10.8878% | 3,028 |
| Core capital (leverage) ratio | 11.1147% | 2,297 |
| Tier 1 risk-based capital ratio | 24.5468% | 887 |
| Total risk-based capital ratio | 25.0903% | 949 |
| Memoranda: | ||
| Average total assets | $118,110,200 | 4,223 |
| Average earning assets | $113,153,600 | 4,108 |
| Average equity | $11,837,200 | 4,390 |
| Average total loans | $53,857,400 | 4,697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,857 |
| Cost of funding earning assets | 0.4488% | 3,265 |
| Net interest margin | 3.5247% | 3,738 |
| Noninterest income to average assets | 0.7202% | 2,225 |
| Noninterest expense to average assets | 2.4802% | 4,591 |
| Loan and lease loss provision to assets | 0.0621% | 3,114 |
| Net operating income to assets | 1.1024% | 2,019 |
| Return on assets (ROA) | 1.0984% | 2,106 |
| Pretax return on assets | 1.5500% | 1,483 |
| Return on Equity (ROE) | 11.2017% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.2942% | 3,593 |
| Net charge-offs to loans | 0.1259% | 2,536 |
| Credit loss provision to net charge-offs | 107.8431% | 2,064 |
| Earnings coverage of net charge-offs (x) | 28.0974% | 1,429 |
| Efficiency ratio | 60.5234% | 5,116 |
| Assets per employee ($millions) | 5.1197% | 2,113 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 6,312 |
| Loan loss allowance to noncurrent loans | 41.8605% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 3,837 |
| Noncurrent loans to loans | 1.2433% | 2,563 |
| Net loans and leases to total assets | 46.7504% | 5,311 |
| Net loans and leases to deposits | 53.9558% | 5,392 |
| Net loans and leases to core deposits | 54.9796% | 5,506 |
| Total domestic deposits to total assets | 86.6458% | 2,502 |
| Equity capital to assets | 10.3641% | 3,719 |
| Core capital (leverage) ratio | 10.8472% | 2,638 |
| Tier 1 risk-based capital ratio | 23.0614% | 1,100 |
| Total risk-based capital ratio | 23.5866% | 1,198 |
| Memoranda: | ||
| Average total assets | $118,107,000 | 4,258 |
| Average earning assets | $113,178,750 | 4,143 |
| Average equity | $11,581,250 | 4,466 |
| Average total loans | $53,993,250 | 4,730 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,106 |
| Cost of funding earning assets | 0.4608% | 3,200 |
| Net interest margin | 3.4481% | 3,986 |
| Noninterest income to average assets | 0.7088% | 2,235 |
| Noninterest expense to average assets | 2.5358% | 4,470 |
| Loan and lease loss provision to assets | 0.0846% | 2,615 |
| Net operating income to assets | 0.9807% | 2,403 |
| Return on assets (ROA) | 0.9795% | 2,487 |
| Pretax return on assets | 1.3906% | 1,928 |
| Return on Equity (ROE) | 10.1814% | 2,065 |
| Retained earnings to average equity (ytd only) | -0.3693% | 5,745 |
| Net charge-offs to loans | 0.1756% | 1,984 |
| Credit loss provision to net charge-offs | 106.3830% | 1,877 |
| Earnings coverage of net charge-offs (x) | 18.5745% | 1,674 |
| Efficiency ratio | 63.1956% | 4,821 |
| Assets per employee ($millions) | 4.6804% | 2,650 |
| Cash dividends to net income (ytd only)* | 103.6269% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5295% | 6,385 |
| Loan loss allowance to noncurrent loans | 37.3057% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 3,816 |
| Noncurrent loans to loans | 1.4194% | 2,431 |
| Net loans and leases to total assets | 46.2358% | 5,339 |
| Net loans and leases to deposits | 53.0355% | 5,419 |
| Net loans and leases to core deposits | 54.0513% | 5,547 |
| Total domestic deposits to total assets | 87.1790% | 2,356 |
| Equity capital to assets | 10.0068% | 4,094 |
| Core capital (leverage) ratio | 10.4941% | 2,959 |
| Tier 1 risk-based capital ratio | 22.8815% | 1,128 |
| Total risk-based capital ratio | 23.4194% | 1,212 |
| Memoranda: | ||
| Average total assets | $118,225,000 | 4,282 |
| Average earning assets | $113,280,670 | 4,159 |
| Average equity | $11,373,670 | 4,526 |
| Average total loans | $53,545,000 | 4,764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,543 |
| Cost of funding earning assets | 0.4786% | 3,127 |
| Net interest margin | 3.3080% | 4,502 |
| Noninterest income to average assets | 0.6800% | 2,286 |
| Noninterest expense to average assets | 2.5111% | 4,586 |
| Loan and lease loss provision to assets | 0.0168% | 3,612 |
| Net operating income to assets | 0.9593% | 2,363 |
| Return on assets (ROA) | 0.9593% | 2,433 |
| Pretax return on assets | 1.3161% | 2,042 |
| Return on Equity (ROE) | 10.1731% | 1,971 |
| Retained earnings to average equity (ytd only) | -0.5354% | 5,650 |
| Net charge-offs to loans | 0.0226% | 3,122 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 373 |
| Efficiency ratio | 65.3240% | 4,640 |
| Assets per employee ($millions) | 4.7790% | 2,549 |
| Cash dividends to net income (ytd only)* | 105.2632% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5436% | 6,464 |
| Loan loss allowance to noncurrent loans | 32.7252% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 3,762 |
| Noncurrent loans to loans | 1.6611% | 2,333 |
| Net loans and leases to total assets | 43.9498% | 5,521 |
| Net loans and leases to deposits | 50.0295% | 5,598 |
| Net loans and leases to core deposits | 50.8271% | 5,701 |
| Total domestic deposits to total assets | 87.8477% | 2,313 |
| Equity capital to assets | 9.5468% | 4,435 |
| Core capital (leverage) ratio | 10.4240% | 3,022 |
| Tier 1 risk-based capital ratio | 23.4463% | 1,081 |
| Total risk-based capital ratio | 23.9953% | 1,159 |
| Memoranda: | ||
| Average total assets | $118,832,000 | 4,303 |
| Average earning assets | $113,664,000 | 4,186 |
| Average equity | $11,206,000 | 4,571 |
| Average total loans | $53,123,000 | 4,819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 4,593 |
| Cost of funding earning assets | 0.5823% | 2,816 |
| Net interest margin | 3.2825% | 4,728 |
| Noninterest income to average assets | 0.9394% | 1,550 |
| Noninterest expense to average assets | 2.4958% | 4,774 |
| Loan and lease loss provision to assets | 0.0746% | 3,625 |
| Net operating income to assets | 1.0080% | 2,290 |
| Return on assets (ROA) | 1.0045% | 2,374 |
| Pretax return on assets | 1.4562% | 1,600 |
| Return on Equity (ROE) | 10.0968% | 2,075 |
| Retained earnings to average equity (ytd only) | -0.2412% | 5,926 |
| Net charge-offs to loans | 0.0975% | 3,865 |
| Credit loss provision to net charge-offs | 164.1509% | 1,388 |
| Earnings coverage of net charge-offs (x) | 33.8113% | 1,075 |
| Efficiency ratio | 61.9048% | 5,233 |
| Assets per employee ($millions) | 4.9245% | 2,280 |
| Cash dividends to net income (ytd only)* | 102.3891% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 6,546 |
| Loan loss allowance to noncurrent loans | 39.2022% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 4,259 |
| Noncurrent loans to loans | 1.3601% | 2,865 |
| Net loans and leases to total assets | 44.9830% | 5,588 |
| Net loans and leases to deposits | 51.0721% | 5,692 |
| Net loans and leases to core deposits | 52.1757% | 5,786 |
| Total domestic deposits to total assets | 88.0776% | 2,131 |
| Equity capital to assets | 9.3122% | 4,679 |
| Core capital (leverage) ratio | 10.3305% | 3,115 |
| Tier 1 risk-based capital ratio | 23.3850% | 1,040 |
| Total risk-based capital ratio | 23.9281% | 1,126 |
| Memoranda: | ||
| Average total assets | $116,675,000 | 4,346 |
| Average earning assets | $109,917,000 | 4,265 |
| Average equity | $11,607,600 | 4,529 |
| Average total loans | $54,350,000 | 4,803 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,876 |
| Cost of funding earning assets | 0.5994% | 2,814 |
| Net interest margin | 3.1946% | 5,019 |
| Noninterest income to average assets | 0.9493% | 1,606 |
| Noninterest expense to average assets | 2.4821% | 4,782 |
| Loan and lease loss provision to assets | 0.0676% | 3,703 |
| Net operating income to assets | 1.0000% | 2,376 |
| Return on assets (ROA) | 0.9951% | 2,479 |
| Pretax return on assets | 1.3930% | 1,953 |
| Return on Equity (ROE) | 9.8427% | 2,249 |
| Retained earnings to average equity (ytd only) | -0.3629% | 6,015 |
| Net charge-offs to loans | 0.0904% | 3,667 |
| Credit loss provision to net charge-offs | 159.4595% | 1,481 |
| Earnings coverage of net charge-offs (x) | 34.5960% | 1,107 |
| Efficiency ratio | 62.8447% | 5,011 |
| Assets per employee ($millions) | 4.9845% | 2,183 |
| Cash dividends to net income (ytd only)* | 103.6870% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 6,654 |
| Loan loss allowance to noncurrent loans | 32.1934% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 4,155 |
| Noncurrent loans to loans | 1.5618% | 2,821 |
| Net loans and leases to total assets | 45.1583% | 5,618 |
| Net loans and leases to deposits | 51.4324% | 5,752 |
| Net loans and leases to core deposits | 52.6612% | 5,855 |
| Total domestic deposits to total assets | 87.8014% | 2,248 |
| Equity capital to assets | 9.1433% | 5,004 |
| Core capital (leverage) ratio | 10.3619% | 3,152 |
| Tier 1 risk-based capital ratio | 22.9966% | 1,147 |
| Total risk-based capital ratio | 23.5084% | 1,245 |
| Memoranda: | ||
| Average total assets | $116,296,500 | 4,399 |
| Average earning assets | $109,223,250 | 4,326 |
| Average equity | $11,758,000 | 4,548 |
| Average total loans | $54,575,000 | 4,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 5,008 |
| Cost of funding earning assets | 0.6141% | 2,812 |
| Net interest margin | 3.1301% | 5,187 |
| Noninterest income to average assets | 0.9046% | 1,801 |
| Noninterest expense to average assets | 2.5090% | 4,690 |
| Loan and lease loss provision to assets | 0.0764% | 3,526 |
| Net operating income to assets | 0.8786% | 2,917 |
| Return on assets (ROA) | 0.8786% | 3,060 |
| Pretax return on assets | 1.2397% | 2,520 |
| Return on Equity (ROE) | 8.4114% | 2,894 |
| Retained earnings to average equity (ytd only) | -1.5626% | 6,133 |
| Net charge-offs to loans | 0.0841% | 3,526 |
| Credit loss provision to net charge-offs | 191.3043% | 1,244 |
| Earnings coverage of net charge-offs (x) | 32.9565% | 1,071 |
| Efficiency ratio | 65.5924% | 4,619 |
| Assets per employee ($millions) | 4.6711% | 2,558 |
| Cash dividends to net income (ytd only)* | 118.5771% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5049% | 6,703 |
| Loan loss allowance to noncurrent loans | 46.2457% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 4,557 |
| Noncurrent loans to loans | 1.0919% | 3,750 |
| Net loans and leases to total assets | 45.7273% | 5,563 |
| Net loans and leases to deposits | 52.4615% | 5,649 |
| Net loans and leases to core deposits | 53.7294% | 5,772 |
| Total domestic deposits to total assets | 87.1636% | 2,726 |
| Equity capital to assets | 9.8418% | 4,137 |
| Core capital (leverage) ratio | 10.4765% | 2,905 |
| Tier 1 risk-based capital ratio | 23.4740% | 1,065 |
| Total risk-based capital ratio | 23.9952% | 1,154 |
| Memoranda: | ||
| Average total assets | $115,186,000 | 4,457 |
| Average earning assets | $107,471,000 | 4,401 |
| Average equity | $12,031,330 | 4,525 |
| Average total loans | $54,668,330 | 4,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 5,859 |
| Cost of funding earning assets | 0.6303% | 2,843 |
| Net interest margin | 2.8080% | 6,015 |
| Noninterest income to average assets | 0.9581% | 1,582 |
| Noninterest expense to average assets | 2.4722% | 4,855 |
| Loan and lease loss provision to assets | 0.1014% | 2,984 |
| Net operating income to assets | 0.7238% | 3,572 |
| Return on assets (ROA) | 0.7238% | 3,708 |
| Pretax return on assets | 0.9861% | 3,420 |
| Return on Equity (ROE) | 6.7314% | 3,637 |
| Retained earnings to average equity (ytd only) | -3.0243% | 6,195 |
| Net charge-offs to loans | 0.1958% | 2,240 |
| Credit loss provision to net charge-offs | 107.4074% | 1,723 |
| Earnings coverage of net charge-offs (x) | 11.5185% | 1,660 |
| Efficiency ratio | 69.4499% | 4,064 |
| Assets per employee ($millions) | 4.5325% | 2,913 |
| Cash dividends to net income (ytd only)* | 144.9275% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 6,816 |
| Loan loss allowance to noncurrent loans | 44.2105% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 4,648 |
| Noncurrent loans to loans | 1.0575% | 4,026 |
| Net loans and leases to total assets | 45.5251% | 5,486 |
| Net loans and leases to deposits | 52.4936% | 5,574 |
| Net loans and leases to core deposits | 53.6190% | 5,696 |
| Total domestic deposits to total assets | 86.7249% | 3,116 |
| Equity capital to assets | 10.4247% | 3,639 |
| Core capital (leverage) ratio | 10.5967% | 2,652 |
| Tier 1 risk-based capital ratio | 23.8353% | 1,040 |
| Total risk-based capital ratio | 24.3273% | 1,124 |
| Memoranda: | ||
| Average total assets | $114,390,500 | 4,517 |
| Average earning assets | $105,982,500 | 4,474 |
| Average equity | $12,300,500 | 4,519 |
| Average total loans | $55,167,500 | 4,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 4,973 |
| Cost of funding earning assets | 0.6724% | 3,717 |
| Net interest margin | 3.4213% | 4,811 |
| Noninterest income to average assets | 0.8081% | 2,229 |
| Noninterest expense to average assets | 2.7797% | 4,108 |
| Loan and lease loss provision to assets | 0.0160% | 5,703 |
| Net operating income to assets | 0.8883% | 2,874 |
| Return on assets (ROA) | 0.8883% | 3,114 |
| Pretax return on assets | 1.2303% | 2,683 |
| Return on Equity (ROE) | 8.4638% | 2,888 |
| Retained earnings to average equity (ytd only) | -1.1907% | 6,043 |
| Net charge-offs to loans | 0.3273% | 3,009 |
| Credit loss provision to net charge-offs | 9.8446% | 5,399 |
| Earnings coverage of net charge-offs (x) | 7.6477% | 2,558 |
| Efficiency ratio | 69.0436% | 3,967 |
| Assets per employee ($millions) | 4.2668% | 3,425 |
| Cash dividends to net income (ytd only)* | 114.0684% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4448% | 6,870 |
| Loan loss allowance to noncurrent loans | 39.4654% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 4,555 |
| Noncurrent loans to loans | 1.1270% | 3,959 |
| Net loans and leases to total assets | 50.6445% | 5,087 |
| Net loans and leases to deposits | 57.0861% | 5,329 |
| Net loans and leases to core deposits | 57.9045% | 5,552 |
| Total domestic deposits to total assets | 88.7160% | 1,758 |
| Equity capital to assets | 11.1019% | 2,831 |
| Core capital (leverage) ratio | 10.4320% | 2,847 |
| Tier 1 risk-based capital ratio | 24.4581% | 910 |
| Total risk-based capital ratio | 24.9572% | 983 |
| Memoranda: | ||
| Average total assets | $118,428,400 | 4,393 |
| Average earning assets | $111,389,800 | 4,305 |
| Average equity | $12,429,400 | 4,474 |
| Average total loans | $58,975,800 | 4,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 5,066 |
| Cost of funding earning assets | 0.6707% | 4,012 |
| Net interest margin | 3.4627% | 4,797 |
| Noninterest income to average assets | 0.7836% | 2,314 |
| Noninterest expense to average assets | 2.6965% | 4,380 |
| Loan and lease loss provision to assets | 0.0133% | 5,648 |
| Net operating income to assets | 0.9221% | 2,868 |
| Return on assets (ROA) | 0.9221% | 3,094 |
| Pretax return on assets | 1.3410% | 2,446 |
| Return on Equity (ROE) | 8.9046% | 2,847 |
| Retained earnings to average equity (ytd only) | -0.7277% | 6,226 |
| Net charge-offs to loans | 0.4227% | 2,403 |
| Credit loss provision to net charge-offs | 6.3492% | 5,118 |
| Earnings coverage of net charge-offs (x) | 6.4657% | 2,784 |
| Efficiency ratio | 66.5663% | 4,338 |
| Assets per employee ($millions) | 4.8315% | 2,400 |
| Cash dividends to net income (ytd only)* | 108.1726% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4310% | 6,992 |
| Loan loss allowance to noncurrent loans | 41.4023% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 4,932 |
| Noncurrent loans to loans | 1.0409% | 4,359 |
| Net loans and leases to total assets | 47.4381% | 5,615 |
| Net loans and leases to deposits | 53.2494% | 5,872 |
| Net loans and leases to core deposits | 53.9488% | 6,053 |
| Total domestic deposits to total assets | 89.0866% | 1,380 |
| Equity capital to assets | 10.2238% | 4,173 |
| Core capital (leverage) ratio | 10.2736% | 3,196 |
| Tier 1 risk-based capital ratio | 23.6345% | 1,072 |
| Total risk-based capital ratio | 24.1080% | 1,174 |
| Memoranda: | ||
| Average total assets | $120,301,500 | 4,392 |
| Average earning assets | $113,511,500 | 4,301 |
| Average equity | $12,457,750 | 4,515 |
| Average total loans | $59,611,250 | 4,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 5,044 |
| Cost of funding earning assets | 0.6941% | 4,064 |
| Net interest margin | 3.4793% | 4,765 |
| Noninterest income to average assets | 0.8424% | 1,995 |
| Noninterest expense to average assets | 2.8866% | 3,675 |
| Loan and lease loss provision to assets | 0.0200% | 5,417 |
| Net operating income to assets | 0.8290% | 3,248 |
| Return on assets (ROA) | 0.8290% | 3,513 |
| Pretax return on assets | 1.2153% | 2,860 |
| Return on Equity (ROE) | 7.9718% | 3,277 |
| Retained earnings to average equity (ytd only) | -1.6328% | 6,309 |
| Net charge-offs to loans | 0.3250% | 2,733 |
| Credit loss provision to net charge-offs | 12.2449% | 4,713 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,453 |
| Efficiency ratio | 70.0323% | 3,758 |
| Assets per employee ($millions) | 4.6977% | 2,569 |
| Cash dividends to net income (ytd only)* | 120.4819% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 6,953 |
| Loan loss allowance to noncurrent loans | 39.4186% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 4,656 |
| Noncurrent loans to loans | 1.4607% | 3,715 |
| Net loans and leases to total assets | 47.9249% | 5,621 |
| Net loans and leases to deposits | 53.6802% | 5,904 |
| Net loans and leases to core deposits | 54.3738% | 6,066 |
| Total domestic deposits to total assets | 89.2786% | 1,344 |
| Equity capital to assets | 10.1925% | 4,058 |
| Core capital (leverage) ratio | 10.2979% | 3,050 |
| Tier 1 risk-based capital ratio | 23.3089% | 1,095 |
| Total risk-based capital ratio | 23.9489% | 1,160 |
| Memoranda: | ||
| Average total assets | $120,139,670 | 4,420 |
| Average earning assets | $113,239,670 | 4,332 |
| Average equity | $12,494,000 | 4,500 |
| Average total loans | $60,299,330 | 4,778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 4,334 |
| Cost of funding earning assets | 0.7274% | 4,048 |
| Net interest margin | 3.6728% | 3,948 |
| Noninterest income to average assets | 0.7453% | 2,423 |
| Noninterest expense to average assets | 3.1828% | 2,661 |
| Loan and lease loss provision to assets | 0.0201% | 5,088 |
| Net operating income to assets | 0.7286% | 3,738 |
| Return on assets (ROA) | 0.7286% | 3,971 |
| Pretax return on assets | 1.0005% | 3,672 |
| Return on Equity (ROE) | 6.9348% | 3,818 |
| Retained earnings to average equity (ytd only) | -2.6525% | 6,356 |
| Net charge-offs to loans | 0.1639% | 3,105 |
| Credit loss provision to net charge-offs | 24.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | 12.1600% | 1,622 |
| Efficiency ratio | 75.7188% | 2,823 |
| Assets per employee ($millions) | 4.6188% | 2,778 |
| Cash dividends to net income (ytd only)* | 138.2488% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 6,897 |
| Loan loss allowance to noncurrent loans | 41.0101% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 4,423 |
| Noncurrent loans to loans | 1.6656% | 3,606 |
| Net loans and leases to total assets | 49.1573% | 5,414 |
| Net loans and leases to deposits | 55.1149% | 5,693 |
| Net loans and leases to core deposits | 55.8369% | 5,915 |
| Total domestic deposits to total assets | 89.1906% | 1,567 |
| Equity capital to assets | 10.3780% | 3,637 |
| Core capital (leverage) ratio | 10.5356% | 2,713 |
| Tier 1 risk-based capital ratio | 23.6778% | 1,047 |
| Total risk-based capital ratio | 24.4552% | 1,087 |
| Memoranda: | ||
| Average total assets | $119,140,000 | 4,469 |
| Average earning assets | $112,175,000 | 4,375 |
| Average equity | $12,516,500 | 4,503 |
| Average total loans | $61,012,000 | 4,768 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 3,446 |
| Cost of funding earning assets | 0.8420% | 4,528 |
| Net interest margin | 4.0400% | 2,680 |
| Noninterest income to average assets | 0.7697% | 2,234 |
| Noninterest expense to average assets | 2.6733% | 4,845 |
| Loan and lease loss provision to assets | 0.1113% | 5,198 |
| Net operating income to assets | 1.2106% | 1,485 |
| Return on assets (ROA) | 1.2106% | 1,594 |
| Pretax return on assets | 1.7957% | 805 |
| Return on Equity (ROE) | 11.3701% | 1,594 |
| Retained earnings to average equity (ytd only) | 1.8686% | 4,882 |
| Net charge-offs to loans | 0.1847% | 4,669 |
| Credit loss provision to net charge-offs | 111.8644% | 2,961 |
| Earnings coverage of net charge-offs (x) | 19.1695% | 1,174 |
| Efficiency ratio | 58.3655% | 6,003 |
| Assets per employee ($millions) | 4.5458% | 2,833 |
| Cash dividends to net income (ytd only)* | 83.5655% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 6,933 |
| Loan loss allowance to noncurrent loans | 43.4116% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 4,687 |
| Noncurrent loans to loans | 1.5643% | 3,816 |
| Net loans and leases to total assets | 52.5933% | 5,216 |
| Net loans and leases to deposits | 59.1094% | 5,588 |
| Net loans and leases to core deposits | 59.8954% | 5,856 |
| Total domestic deposits to total assets | 88.9762% | 1,551 |
| Equity capital to assets | 10.6354% | 3,385 |
| Core capital (leverage) ratio | 10.6364% | 2,574 |
| Tier 1 risk-based capital ratio | 23.5793% | 1,016 |
| Total risk-based capital ratio | 24.3844% | 1,068 |
| Memoranda: | ||
| Average total assets | $118,616,400 | 4,441 |
| Average earning assets | $111,880,800 | 4,337 |
| Average equity | $12,629,600 | 4,411 |
| Average total loans | $63,881,800 | 4,716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 3,294 |
| Cost of funding earning assets | 0.8563% | 4,725 |
| Net interest margin | 4.1021% | 2,465 |
| Noninterest income to average assets | 0.7401% | 2,368 |
| Noninterest expense to average assets | 2.3224% | 5,973 |
| Loan and lease loss provision to assets | 0.0562% | 5,740 |
| Net operating income to assets | 1.5183% | 898 |
| Return on assets (ROA) | 1.5183% | 976 |
| Pretax return on assets | 2.2348% | 404 |
| Return on Equity (ROE) | 14.2562% | 987 |
| Retained earnings to average equity (ytd only) | 4.7661% | 3,335 |
| Net charge-offs to loans | 0.0997% | 4,991 |
| Credit loss provision to net charge-offs | 104.1667% | 3,199 |
| Earnings coverage of net charge-offs (x) | 42.4989% | 742 |
| Efficiency ratio | 50.3408% | 6,810 |
| Assets per employee ($millions) | 4.2216% | 3,406 |
| Cash dividends to net income (ytd only)* | 66.5681% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 7,023 |
| Loan loss allowance to noncurrent loans | 72.4561% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,440 |
| Noncurrent loans to loans | 0.9001% | 5,067 |
| Net loans and leases to total assets | 53.2240% | 5,288 |
| Net loans and leases to deposits | 60.2296% | 5,604 |
| Net loans and leases to core deposits | 61.2260% | 5,885 |
| Total domestic deposits to total assets | 88.3686% | 1,825 |
| Equity capital to assets | 10.8438% | 3,296 |
| Core capital (leverage) ratio | 10.8523% | 2,519 |
| Tier 1 risk-based capital ratio | 23.9259% | 1,017 |
| Total risk-based capital ratio | 24.7062% | 1,061 |
| Memoranda: | ||
| Average total assets | $118,723,000 | 4,466 |
| Average earning assets | $112,103,500 | 4,358 |
| Average equity | $12,644,500 | 4,422 |
| Average total loans | $64,206,000 | 4,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 3,724 |
| Cost of funding earning assets | 0.8764% | 4,857 |
| Net interest margin | 4.0008% | 2,834 |
| Noninterest income to average assets | 0.6459% | 2,877 |
| Noninterest expense to average assets | 2.2928% | 6,151 |
| Loan and lease loss provision to assets | 0.0387% | 5,830 |
| Net operating income to assets | 1.4214% | 1,042 |
| Return on assets (ROA) | 1.4214% | 1,103 |
| Pretax return on assets | 2.0926% | 500 |
| Return on Equity (ROE) | 13.4269% | 1,109 |
| Retained earnings to average equity (ytd only) | 3.8930% | 3,716 |
| Net charge-offs to loans | 0.0713% | 4,927 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 55.0870% | 573 |
| Efficiency ratio | 51.8251% | 6,801 |
| Assets per employee ($millions) | 4.2242% | 3,308 |
| Cash dividends to net income (ytd only)* | 71.0059% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 7,092 |
| Loan loss allowance to noncurrent loans | 106.7532% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 5,971 |
| Noncurrent loans to loans | 0.5992% | 5,720 |
| Net loans and leases to total assets | 53.9716% | 5,301 |
| Net loans and leases to deposits | 60.9617% | 5,618 |
| Net loans and leases to core deposits | 61.9635% | 5,900 |
| Total domestic deposits to total assets | 88.5337% | 1,831 |
| Equity capital to assets | 10.7417% | 3,239 |
| Core capital (leverage) ratio | 10.5483% | 2,662 |
| Tier 1 risk-based capital ratio | 23.0813% | 1,104 |
| Total risk-based capital ratio | 23.8429% | 1,159 |
| Memoranda: | ||
| Average total assets | $118,895,330 | 4,490 |
| Average earning assets | $112,277,330 | 4,375 |
| Average equity | $12,586,670 | 4,421 |
| Average total loans | $64,499,000 | 4,769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 5,263 |
| Cost of funding earning assets | 0.8950% | 4,959 |
| Net interest margin | 3.6263% | 4,453 |
| Noninterest income to average assets | 0.6980% | 2,586 |
| Noninterest expense to average assets | 2.3288% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2583% | 1,368 |
| Return on assets (ROA) | 1.2583% | 1,421 |
| Pretax return on assets | 1.7952% | 827 |
| Return on Equity (ROE) | 11.9737% | 1,470 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,715 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4687% | 6,447 |
| Assets per employee ($millions) | 4.7926% | 2,432 |
| Cash dividends to net income (ytd only)* | 80.0000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 7,163 |
| Loan loss allowance to noncurrent loans | 100.7353% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 5,957 |
| Noncurrent loans to loans | 0.6298% | 5,778 |
| Net loans and leases to total assets | 53.7220% | 5,343 |
| Net loans and leases to deposits | 60.5676% | 5,666 |
| Net loans and leases to core deposits | 61.6909% | 5,950 |
| Total domestic deposits to total assets | 88.6976% | 1,960 |
| Equity capital to assets | 10.4628% | 3,223 |
| Core capital (leverage) ratio | 10.4369% | 2,670 |
| Tier 1 risk-based capital ratio | 22.2027% | 1,195 |
| Total risk-based capital ratio | 22.9454% | 1,254 |
| Memoranda: | ||
| Average total assets | $119,204,500 | 4,510 |
| Average earning assets | $112,622,500 | 4,392 |
| Average equity | $12,527,500 | 4,440 |
| Average total loans | $64,625,000 | 4,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 4,006 |
| Cost of funding earning assets | 1.0470% | 5,445 |
| Net interest margin | 4.0727% | 2,694 |
| Noninterest income to average assets | 0.6249% | 3,314 |
| Noninterest expense to average assets | 2.2628% | 6,449 |
| Loan and lease loss provision to assets | 0.0361% | 6,797 |
| Net operating income to assets | 1.4765% | 808 |
| Return on assets (ROA) | 1.4765% | 866 |
| Pretax return on assets | 2.1727% | 343 |
| Return on Equity (ROE) | 14.1310% | 859 |
| Retained earnings to average equity (ytd only) | 4.2722% | 2,851 |
| Net charge-offs to loans | 0.0601% | 6,192 |
| Credit loss provision to net charge-offs | 110.5263% | 3,981 |
| Earnings coverage of net charge-offs (x) | 67.7105% | 356 |
| Efficiency ratio | 50.6047% | 7,079 |
| Assets per employee ($millions) | 4.5613% | 2,772 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 7,216 |
| Loan loss allowance to noncurrent loans | 86.1635% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 5,882 |
| Noncurrent loans to loans | 0.7399% | 5,567 |
| Net loans and leases to total assets | 54.0171% | 5,629 |
| Net loans and leases to deposits | 61.0023% | 5,951 |
| Net loans and leases to core deposits | 62.1415% | 6,226 |
| Total domestic deposits to total assets | 88.5492% | 1,923 |
| Equity capital to assets | 10.5562% | 3,099 |
| Core capital (leverage) ratio | 10.4202% | 2,646 |
| Tier 1 risk-based capital ratio | 22.4634% | 1,112 |
| Total risk-based capital ratio | 23.2194% | 1,149 |
| Memoranda: | ||
| Average total assets | $116,492,400 | 4,564 |
| Average earning assets | $110,024,400 | 4,464 |
| Average equity | $12,171,800 | 4,563 |
| Average total loans | $63,214,400 | 4,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 3,502 |
| Cost of funding earning assets | 1.0667% | 5,611 |
| Net interest margin | 4.2000% | 2,215 |
| Noninterest income to average assets | 0.5714% | 3,640 |
| Noninterest expense to average assets | 2.0936% | 6,858 |
| Loan and lease loss provision to assets | 0.0379% | 6,701 |
| Net operating income to assets | 1.6533% | 671 |
| Return on assets (ROA) | 1.6533% | 736 |
| Pretax return on assets | 2.4052% | 267 |
| Return on Equity (ROE) | 15.8650% | 721 |
| Retained earnings to average equity (ytd only) | 5.9356% | 2,396 |
| Net charge-offs to loans | 0.0615% | 5,893 |
| Credit loss provision to net charge-offs | 113.7931% | 3,679 |
| Earnings coverage of net charge-offs (x) | 73.2676% | 412 |
| Efficiency ratio | 46.1480% | 7,379 |
| Assets per employee ($millions) | 4.5059% | 2,900 |
| Cash dividends to net income (ytd only)* | 62.5868% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 7,304 |
| Loan loss allowance to noncurrent loans | 62.8440% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 5,511 |
| Noncurrent loans to loans | 1.0096% | 5,218 |
| Net loans and leases to total assets | 54.9448% | 5,714 |
| Net loans and leases to deposits | 62.4273% | 6,070 |
| Net loans and leases to core deposits | 63.2934% | 6,349 |
| Total domestic deposits to total assets | 88.0141% | 1,950 |
| Equity capital to assets | 10.6629% | 3,336 |
| Core capital (leverage) ratio | 10.5624% | 2,623 |
| Tier 1 risk-based capital ratio | 22.6402% | 1,116 |
| Total risk-based capital ratio | 23.4010% | 1,153 |
| Memoranda: | ||
| Average total assets | $115,967,000 | 4,636 |
| Average earning assets | $109,488,750 | 4,543 |
| Average equity | $12,085,000 | 4,653 |
| Average total loans | $62,900,000 | 5,035 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 3,987 |
| Cost of funding earning assets | 1.0953% | 5,697 |
| Net interest margin | 4.0997% | 2,557 |
| Noninterest income to average assets | 0.4482% | 4,531 |
| Noninterest expense to average assets | 2.1147% | 6,855 |
| Loan and lease loss provision to assets | 0.0519% | 6,446 |
| Net operating income to assets | 1.4675% | 960 |
| Return on assets (ROA) | 1.4675% | 1,027 |
| Pretax return on assets | 2.1614% | 440 |
| Return on Equity (ROE) | 14.1933% | 999 |
| Retained earnings to average equity (ytd only) | 4.1509% | 3,427 |
| Net charge-offs to loans | 0.0867% | 5,273 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 47.3704% | 626 |
| Efficiency ratio | 48.8605% | 7,300 |
| Assets per employee ($millions) | 4.4690% | 2,925 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 7,324 |
| Loan loss allowance to noncurrent loans | 100.9852% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 6,023 |
| Noncurrent loans to loans | 0.6504% | 5,956 |
| Net loans and leases to total assets | 53.3741% | 6,067 |
| Net loans and leases to deposits | 60.4725% | 6,369 |
| Net loans and leases to core deposits | 61.4815% | 6,595 |
| Total domestic deposits to total assets | 88.2618% | 1,845 |
| Equity capital to assets | 10.4937% | 3,422 |
| Core capital (leverage) ratio | 10.4030% | 2,709 |
| Tier 1 risk-based capital ratio | 23.0449% | 1,068 |
| Total risk-based capital ratio | 23.8362% | 1,089 |
| Memoranda: | ||
| Average total assets | $115,571,330 | 4,666 |
| Average earning assets | $109,374,670 | 4,572 |
| Average equity | $11,949,330 | 4,690 |
| Average total loans | $62,273,000 | 5,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 4,583 |
| Cost of funding earning assets | 1.1614% | 5,599 |
| Net interest margin | 3.9274% | 3,210 |
| Noninterest income to average assets | 0.2082% | 6,468 |
| Noninterest expense to average assets | 2.1898% | 6,710 |
| Loan and lease loss provision to assets | 0.0937% | 5,691 |
| Net operating income to assets | 1.1556% | 1,662 |
| Return on assets (ROA) | 1.1556% | 1,741 |
| Pretax return on assets | 1.6450% | 1,172 |
| Return on Equity (ROE) | 11.2619% | 1,701 |
| Retained earnings to average equity (ytd only) | 1.1160% | 5,372 |
| Net charge-offs to loans | 0.1608% | 3,962 |
| Credit loss provision to net charge-offs | 108.0000% | 3,188 |
| Earnings coverage of net charge-offs (x) | 20.0400% | 1,174 |
| Efficiency ratio | 55.7420% | 6,802 |
| Assets per employee ($millions) | 4.4276% | 3,079 |
| Cash dividends to net income (ytd only)* | 90.0901% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 7,415 |
| Loan loss allowance to noncurrent loans | 122.4551% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 6,223 |
| Noncurrent loans to loans | 0.5388% | 6,212 |
| Net loans and leases to total assets | 53.4908% | 6,090 |
| Net loans and leases to deposits | 60.5227% | 6,415 |
| Net loans and leases to core deposits | 61.3286% | 6,652 |
| Total domestic deposits to total assets | 88.3814% | 1,861 |
| Equity capital to assets | 10.3182% | 3,446 |
| Core capital (leverage) ratio | 10.2410% | 2,884 |
| Tier 1 risk-based capital ratio | 22.6185% | 1,130 |
| Total risk-based capital ratio | 23.4075% | 1,164 |
| Memoranda: | ||
| Average total assets | $115,260,500 | 4,735 |
| Average earning assets | $109,182,500 | 4,627 |
| Average equity | $11,827,500 | 4,755 |
| Average total loans | $62,196,000 | 5,171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 6,158 |
| Cost of funding earning assets | 1.5408% | 5,333 |
| Net interest margin | 3.5405% | 4,776 |
| Noninterest income to average assets | 0.6965% | 3,001 |
| Noninterest expense to average assets | 2.1481% | 7,086 |
| Loan and lease loss provision to assets | 0.0710% | 6,869 |
| Net operating income to assets | 1.2405% | 1,154 |
| Return on assets (ROA) | 1.2405% | 1,207 |
| Pretax return on assets | 1.8433% | 582 |
| Return on Equity (ROE) | 12.1769% | 1,117 |
| Retained earnings to average equity (ytd only) | 1.8575% | 3,798 |
| Net charge-offs to loans | 0.0834% | 6,276 |
| Credit loss provision to net charge-offs | 162.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 43.7000% | 572 |
| Efficiency ratio | 52.8790% | 7,330 |
| Assets per employee ($millions) | 4.4386% | 3,034 |
| Cash dividends to net income (ytd only)* | 84.7458% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 7,468 |
| Loan loss allowance to noncurrent loans | 72.5490% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 5,807 |
| Noncurrent loans to loans | 0.8990% | 5,512 |
| Net loans and leases to total assets | 53.7234% | 6,222 |
| Net loans and leases to deposits | 60.6679% | 6,588 |
| Net loans and leases to core deposits | 69.7629% | 6,789 |
| Total domestic deposits to total assets | 88.5533% | 1,699 |
| Equity capital to assets | 10.2050% | 3,506 |
| Core capital (leverage) ratio | 10.1975% | 2,888 |
| Tier 1 risk-based capital ratio | 21.5875% | 1,206 |
| Total risk-based capital ratio | 22.3390% | 1,248 |
| Memoranda: | ||
| Average total assets | $114,145,000 | 4,721 |
| Average earning assets | $108,516,600 | 4,614 |
| Average equity | $11,628,600 | 4,832 |
| Average total loans | $59,919,600 | 5,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 6,290 |
| Cost of funding earning assets | 1.5933% | 5,430 |
| Net interest margin | 3.5008% | 4,864 |
| Noninterest income to average assets | 0.6934% | 3,064 |
| Noninterest expense to average assets | 2.1505% | 7,097 |
| Loan and lease loss provision to assets | 0.0422% | 6,948 |
| Net operating income to assets | 1.2545% | 1,332 |
| Return on assets (ROA) | 1.2545% | 1,396 |
| Pretax return on assets | 1.8284% | 756 |
| Return on Equity (ROE) | 12.3190% | 1,284 |
| Retained earnings to average equity (ytd only) | 1.9669% | 4,226 |
| Net charge-offs to loans | 0.0135% | 6,727 |
| Credit loss provision to net charge-offs | 600.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 266.1600% | 141 |
| Efficiency ratio | 53.4809% | 7,290 |
| Assets per employee ($millions) | 4.4590% | 2,927 |
| Cash dividends to net income (ytd only)* | 84.0339% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 7,454 |
| Loan loss allowance to noncurrent loans | 56.9425% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 5,857 |
| Noncurrent loans to loans | 1.1677% | 4,991 |
| Net loans and leases to total assets | 52.3181% | 6,575 |
| Net loans and leases to deposits | 59.2845% | 6,885 |
| Net loans and leases to core deposits | 68.2303% | 7,062 |
| Total domestic deposits to total assets | 88.2492% | 1,536 |
| Equity capital to assets | 10.1093% | 3,951 |
| Core capital (leverage) ratio | 10.0804% | 3,201 |
| Tier 1 risk-based capital ratio | 21.7872% | 1,248 |
| Total risk-based capital ratio | 22.5467% | 1,302 |
| Memoranda: | ||
| Average total assets | $113,830,250 | 4,749 |
| Average earning assets | $108,202,500 | 4,644 |
| Average equity | $11,591,500 | 4,899 |
| Average total loans | $59,298,000 | 5,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 6,320 |
| Cost of funding earning assets | 1.6787% | 5,374 |
| Net interest margin | 3.4504% | 4,984 |
| Noninterest income to average assets | 0.6612% | 3,257 |
| Noninterest expense to average assets | 2.1727% | 7,115 |
| Loan and lease loss provision to assets | 0.0283% | 6,960 |
| Net operating income to assets | 1.1845% | 1,521 |
| Return on assets (ROA) | 1.1845% | 1,606 |
| Pretax return on assets | 1.7378% | 956 |
| Return on Equity (ROE) | 11.6031% | 1,535 |
| Retained earnings to average equity (ytd only) | 1.2123% | 4,671 |
| Net charge-offs to loans | -0.0341% | 7,795 |
| Credit loss provision to net charge-offs | -160.0000% | 6,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1616% | 7,211 |
| Assets per employee ($millions) | 4.4287% | 2,886 |
| Cash dividends to net income (ytd only)* | 89.5522% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 7,479 |
| Loan loss allowance to noncurrent loans | 58.2609% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 5,815 |
| Noncurrent loans to loans | 1.1547% | 4,906 |
| Net loans and leases to total assets | 51.5459% | 6,735 |
| Net loans and leases to deposits | 58.4206% | 6,994 |
| Net loans and leases to core deposits | 67.0648% | 7,169 |
| Total domestic deposits to total assets | 88.2323% | 1,656 |
| Equity capital to assets | 10.0820% | 3,836 |
| Core capital (leverage) ratio | 10.1384% | 3,152 |
| Tier 1 risk-based capital ratio | 20.7177% | 1,445 |
| Total risk-based capital ratio | 21.4391% | 1,499 |
| Memoranda: | ||
| Average total assets | $113,129,330 | 4,798 |
| Average earning assets | $107,466,000 | 4,692 |
| Average equity | $11,548,670 | 4,935 |
| Average total loans | $58,710,670 | 5,392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 6,083 |
| Cost of funding earning assets | 1.7149% | 5,534 |
| Net interest margin | 3.5425% | 4,556 |
| Noninterest income to average assets | 0.7135% | 2,804 |
| Noninterest expense to average assets | 2.2904% | 6,570 |
| Loan and lease loss provision to assets | 0.0143% | 6,672 |
| Net operating income to assets | 1.2487% | 1,512 |
| Return on assets (ROA) | 1.2487% | 1,618 |
| Pretax return on assets | 1.7767% | 1,025 |
| Return on Equity (ROE) | 12.1544% | 1,612 |
| Retained earnings to average equity (ytd only) | 1.7363% | 4,884 |
| Net charge-offs to loans | -0.1444% | 7,966 |
| Credit loss provision to net charge-offs | -19.0476% | 6,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1189% | 6,960 |
| Assets per employee ($millions) | 4.3865% | 2,911 |
| Cash dividends to net income (ytd only)* | 85.7143% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 7,476 |
| Loan loss allowance to noncurrent loans | 45.6720% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 5,204 |
| Noncurrent loans to loans | 1.5045% | 4,032 |
| Net loans and leases to total assets | 50.8172% | 6,781 |
| Net loans and leases to deposits | 57.6378% | 7,060 |
| Net loans and leases to core deposits | 65.4885% | 7,255 |
| Total domestic deposits to total assets | 88.1664% | 1,669 |
| Equity capital to assets | 10.1238% | 3,863 |
| Core capital (leverage) ratio | 10.4502% | 2,984 |
| Tier 1 risk-based capital ratio | 21.3334% | 1,398 |
| Total risk-based capital ratio | 22.0756% | 1,448 |
| Memoranda: | ||
| Average total assets | $112,121,000 | 4,851 |
| Average earning assets | $106,592,500 | 4,733 |
| Average equity | $11,518,500 | 4,972 |
| Average total loans | $58,188,500 | 5,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2134% | 4,443 |
| Cost of funding earning assets | 2.3110% | 5,100 |
| Net interest margin | 3.9024% | 3,554 |
| Noninterest income to average assets | 0.8116% | 2,449 |
| Noninterest expense to average assets | 2.0054% | 7,429 |
| Loan and lease loss provision to assets | 0.0436% | 6,870 |
| Net operating income to assets | 1.6386% | 774 |
| Return on assets (ROA) | 1.6386% | 736 |
| Pretax return on assets | 2.4447% | 223 |
| Return on Equity (ROE) | 16.1704% | 747 |
| Retained earnings to average equity (ytd only) | 5.4200% | 1,802 |
| Net charge-offs to loans | 0.0715% | 5,744 |
| Credit loss provision to net charge-offs | 114.2857% | 4,724 |
| Earnings coverage of net charge-offs (x) | 65.2619% | 620 |
| Efficiency ratio | 44.6263% | 7,986 |
| Assets per employee ($millions) | 4.0813% | 3,342 |
| Cash dividends to net income (ytd only)* | 66.4820% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 7,549 |
| Loan loss allowance to noncurrent loans | 127.0270% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 6,502 |
| Noncurrent loans to loans | 0.5102% | 5,823 |
| Net loans and leases to total assets | 52.3114% | 6,819 |
| Net loans and leases to deposits | 59.6784% | 7,116 |
| Net loans and leases to core deposits | 67.3380% | 7,315 |
| Total domestic deposits to total assets | 87.6554% | 1,634 |
| Equity capital to assets | 10.4280% | 3,583 |
| Core capital (leverage) ratio | 10.3575% | 3,114 |
| Tier 1 risk-based capital ratio | 21.4971% | 1,389 |
| Total risk-based capital ratio | 22.2014% | 1,432 |
| Memoranda: | ||
| Average total assets | $110,154,600 | 4,777 |
| Average earning assets | $103,936,200 | 4,684 |
| Average equity | $11,162,400 | 5,078 |
| Average total loans | $58,768,200 | 5,329 |