Home > Bank of Crockett > Performance and Condition Ratios
Bank of Crockett, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 2,507 |
| Cost of funding earning assets | 1.7417% | 2,609 |
| Net interest margin | 3.5633% | 2,150 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.7209% | 4,012 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.3596% | 1,354 |
| Return on assets (ROA) | 1.0220% | 2,211 |
| Pretax return on assets | 1.3536% | 1,841 |
| Return on Equity (ROE) | 11.1400% | 1,979 |
| Retained earnings to average equity (ytd only) | 11.1431% | 932 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 48.3534% | 3,991 |
| Assets per employee ($millions) | 7.4876% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 989 |
| Loan loss allowance to noncurrent loans | 6,682.0513% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,659 |
| Noncurrent loans to loans | 0.0226% | 3,601 |
| Net loans and leases to total assets | 59.7500% | 2,901 |
| Net loans and leases to deposits | 66.3675% | 3,110 |
| Net loans and leases to core deposits | 74.3661% | 3,056 |
| Total domestic deposits to total assets | 90.0300% | 806 |
| Equity capital to assets | 9.2419% | 2,752 |
| Core capital (leverage) ratio | 10.2668% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8904% | 1,556 |
| Memoranda: | ||
| Average total assets | $279,852,500 | 2,576 |
| Average earning assets | $260,659,000 | 2,576 |
| Average equity | $25,666,000 | 2,659 |
| Average total loans | $168,290,500 | 2,623 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 2,692 |
| Cost of funding earning assets | 1.7407% | 2,869 |
| Net interest margin | 3.4782% | 2,130 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 1.7242% | 4,056 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.2788% | 1,337 |
| Return on assets (ROA) | 1.2544% | 1,394 |
| Pretax return on assets | 1.6648% | 1,032 |
| Return on Equity (ROE) | 13.9700% | 1,133 |
| Retained earnings to average equity (ytd only) | 3.9368% | 2,660 |
| Net charge-offs to loans | 0.0458% | 1,704 |
| Credit loss provision to net charge-offs | 225.3521% | 1,063 |
| Earnings coverage of net charge-offs (x) | 68.5352% | 1,024 |
| Efficiency ratio | 49.5804% | 4,008 |
| Assets per employee ($millions) | 7.2414% | 2,007 |
| Cash dividends to net income (ytd only)* | 71.8184% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 862 |
| Loan loss allowance to noncurrent loans | 17,106.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,742 |
| Noncurrent loans to loans | 0.0091% | 3,693 |
| Net loans and leases to total assets | 58.6500% | 3,053 |
| Net loans and leases to deposits | 65.0470% | 3,283 |
| Net loans and leases to core deposits | 73.5304% | 3,181 |
| Total domestic deposits to total assets | 90.1700% | 770 |
| Equity capital to assets | 9.0982% | 2,753 |
| Core capital (leverage) ratio | 10.1375% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5563% | 1,373 |
| Memoranda: | ||
| Average total assets | $277,513,400 | 2,564 |
| Average earning assets | $257,486,200 | 2,558 |
| Average equity | $24,919,000 | 2,641 |
| Average total loans | $154,865,800 | 2,684 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,718 |
| Cost of funding earning assets | 1.7240% | 2,903 |
| Net interest margin | 3.4491% | 2,136 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.6958% | 4,082 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.2834% | 1,338 |
| Return on assets (ROA) | 1.2508% | 1,423 |
| Pretax return on assets | 1.6588% | 1,078 |
| Return on Equity (ROE) | 13.9800% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.6191% | 1,225 |
| Net charge-offs to loans | 0.0271% | 1,776 |
| Credit loss provision to net charge-offs | 338.7097% | 799 |
| Earnings coverage of net charge-offs (x) | 117.7742% | 721 |
| Efficiency ratio | 49.2070% | 4,029 |
| Assets per employee ($millions) | 7.1057% | 2,068 |
| Cash dividends to net income (ytd only)* | 38.3289% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 994 |
| Loan loss allowance to noncurrent loans | 2,057.2581% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 3,422 |
| Noncurrent loans to loans | 0.0738% | 3,326 |
| Net loans and leases to total assets | 59.6800% | 2,951 |
| Net loans and leases to deposits | 66.5676% | 3,210 |
| Net loans and leases to core deposits | 77.1284% | 3,008 |
| Total domestic deposits to total assets | 89.6500% | 691 |
| Equity capital to assets | 9.5452% | 2,635 |
| Core capital (leverage) ratio | 10.4094% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6632% | 1,366 |
| Memoranda: | ||
| Average total assets | $278,098,000 | 2,555 |
| Average earning assets | $257,918,750 | 2,551 |
| Average equity | $24,889,750 | 2,628 |
| Average total loans | $152,592,250 | 2,696 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 2,749 |
| Cost of funding earning assets | 1.6514% | 2,974 |
| Net interest margin | 3.4539% | 2,065 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.6680% | 4,122 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.3188% | 1,227 |
| Return on assets (ROA) | 1.2700% | 1,329 |
| Pretax return on assets | 1.6795% | 1,010 |
| Return on Equity (ROE) | 14.5100% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.3031% | 1,901 |
| Net charge-offs to loans | 0.0366% | 1,448 |
| Credit loss provision to net charge-offs | 185.1852% | 1,078 |
| Earnings coverage of net charge-offs (x) | 91.6296% | 813 |
| Efficiency ratio | 48.4153% | 4,088 |
| Assets per employee ($millions) | 6.8549% | 2,169 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 892 |
| Loan loss allowance to noncurrent loans | 1,533.7423% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,258 |
| Noncurrent loans to loans | 0.1034% | 3,131 |
| Net loans and leases to total assets | 56.5800% | 3,221 |
| Net loans and leases to deposits | 62.6139% | 3,440 |
| Net loans and leases to core deposits | 72.6656% | 3,228 |
| Total domestic deposits to total assets | 90.3600% | 607 |
| Equity capital to assets | 8.8973% | 2,808 |
| Core capital (leverage) ratio | 10.0932% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5959% | 1,665 |
| Memoranda: | ||
| Average total assets | $278,422,667 | 2,558 |
| Average earning assets | $258,081,333 | 2,549 |
| Average equity | $24,369,000 | 2,631 |
| Average total loans | $147,480,000 | 2,742 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 2,849 |
| Cost of funding earning assets | 1.5691% | 3,044 |
| Net interest margin | 3.3963% | 2,107 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.6526% | 4,146 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.3003% | 1,232 |
| Return on assets (ROA) | 1.2034% | 1,439 |
| Pretax return on assets | 1.5841% | 1,119 |
| Return on Equity (ROE) | 13.8600% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.8613% | 515 |
| Net charge-offs to loans | 0.0449% | 1,085 |
| Credit loss provision to net charge-offs | 125.0000% | 1,028 |
| Earnings coverage of net charge-offs (x) | 76.0625% | 794 |
| Efficiency ratio | 48.7795% | 4,078 |
| Assets per employee ($millions) | 7.1413% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 680 |
| Loan loss allowance to noncurrent loans | 4,962.0000% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,645 |
| Noncurrent loans to loans | 0.0342% | 3,529 |
| Net loans and leases to total assets | 51.6600% | 3,514 |
| Net loans and leases to deposits | 57.1118% | 3,674 |
| Net loans and leases to core deposits | 65.3890% | 3,544 |
| Total domestic deposits to total assets | 90.4500% | 654 |
| Equity capital to assets | 8.8672% | 2,766 |
| Core capital (leverage) ratio | 9.9330% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2629% | 1,217 |
| Memoranda: | ||
| Average total assets | $280,536,000 | 2,552 |
| Average earning assets | $260,279,500 | 2,544 |
| Average equity | $24,355,500 | 2,636 |
| Average total loans | $142,402,000 | 2,788 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 2,988 |
| Cost of funding earning assets | 1.2359% | 2,708 |
| Net interest margin | 3.3278% | 2,563 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.6371% | 4,209 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.2113% | 1,625 |
| Return on assets (ROA) | 1.1646% | 1,717 |
| Pretax return on assets | 1.4946% | 1,437 |
| Return on Equity (ROE) | 14.5400% | 1,377 |
| Retained earnings to average equity (ytd only) | 4.6051% | 2,752 |
| Net charge-offs to loans | 0.0589% | 1,267 |
| Credit loss provision to net charge-offs | 457.3171% | 719 |
| Earnings coverage of net charge-offs (x) | 58.1463% | 1,204 |
| Efficiency ratio | 49.2604% | 4,025 |
| Assets per employee ($millions) | 7.6368% | 1,633 |
| Cash dividends to net income (ytd only)* | 68.3268% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 547 |
| Loan loss allowance to noncurrent loans | 3,538.5714% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,536 |
| Noncurrent loans to loans | 0.0506% | 3,363 |
| Net loans and leases to total assets | 48.1200% | 3,719 |
| Net loans and leases to deposits | 52.9030% | 3,836 |
| Net loans and leases to core deposits | 59.8729% | 3,766 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 8.4990% | 3,054 |
| Core capital (leverage) ratio | 9.8438% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4847% | 1,185 |
| Memoranda: | ||
| Average total assets | $282,751,000 | 2,509 |
| Average earning assets | $260,535,800 | 2,518 |
| Average equity | $22,648,600 | 2,648 |
| Average total loans | $139,260,400 | 2,780 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 2,927 |
| Cost of funding earning assets | 1.1808% | 2,489 |
| Net interest margin | 3.3159% | 2,644 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.6313% | 4,206 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.1938% | 1,814 |
| Return on assets (ROA) | 1.1584% | 1,885 |
| Pretax return on assets | 1.4752% | 1,619 |
| Return on Equity (ROE) | 14.6900% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.7086% | 1,764 |
| Net charge-offs to loans | 0.0488% | 1,193 |
| Credit loss provision to net charge-offs | 674.5098% | 522 |
| Earnings coverage of net charge-offs (x) | 69.9608% | 1,113 |
| Efficiency ratio | 49.2316% | 3,970 |
| Assets per employee ($millions) | 7.1430% | 1,853 |
| Cash dividends to net income (ytd only)* | 40.7000% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 754 |
| Loan loss allowance to noncurrent loans | 783.8608% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,770 |
| Noncurrent loans to loans | 0.2131% | 2,496 |
| Net loans and leases to total assets | 55.1700% | 3,273 |
| Net loans and leases to deposits | 60.6920% | 3,465 |
| Net loans and leases to core deposits | 69.8681% | 3,212 |
| Total domestic deposits to total assets | 90.8900% | 698 |
| Equity capital to assets | 8.4142% | 2,778 |
| Core capital (leverage) ratio | 10.2598% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6832% | 1,385 |
| Memoranda: | ||
| Average total assets | $282,798,500 | 2,509 |
| Average earning assets | $260,275,750 | 2,523 |
| Average equity | $22,307,000 | 2,664 |
| Average total loans | $139,464,750 | 2,780 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 2,468 |
| Cost of funding earning assets | 1.0763% | 2,359 |
| Net interest margin | 3.4992% | 2,265 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.5278% | 4,309 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.3379% | 1,479 |
| Return on assets (ROA) | 1.3471% | 1,449 |
| Pretax return on assets | 1.7466% | 1,122 |
| Return on Equity (ROE) | 18.0200% | 954 |
| Retained earnings to average equity (ytd only) | 6.9312% | 2,306 |
| Net charge-offs to loans | 0.0327% | 1,240 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 119.6500% | 846 |
| Efficiency ratio | 43.5080% | 4,275 |
| Assets per employee ($millions) | 7.7057% | 1,465 |
| Cash dividends to net income (ytd only)* | 61.5385% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 775 |
| Loan loss allowance to noncurrent loans | 2,569.0476% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,423 |
| Noncurrent loans to loans | 0.0656% | 3,232 |
| Net loans and leases to total assets | 54.4600% | 3,238 |
| Net loans and leases to deposits | 59.3807% | 3,460 |
| Net loans and leases to core deposits | 67.5017% | 3,262 |
| Total domestic deposits to total assets | 91.7100% | 472 |
| Equity capital to assets | 7.8842% | 3,287 |
| Core capital (leverage) ratio | 8.9619% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6130% | 1,691 |
| Memoranda: | ||
| Average total assets | $241,263,333 | 2,741 |
| Average earning assets | $222,791,000 | 2,748 |
| Average equity | $18,034,333 | 3,020 |
| Average total loans | $122,456,333 | 2,920 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 2,683 |
| Cost of funding earning assets | 0.9626% | 2,176 |
| Net interest margin | 3.3849% | 2,674 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.4762% | 4,407 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.3027% | 1,655 |
| Return on assets (ROA) | 1.3219% | 1,584 |
| Pretax return on assets | 1.7084% | 1,256 |
| Return on Equity (ROE) | 18.1500% | 1,007 |
| Retained earnings to average equity (ytd only) | 18.1509% | 502 |
| Net charge-offs to loans | 0.0501% | 866 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 79.1333% | 897 |
| Efficiency ratio | 43.3683% | 4,330 |
| Assets per employee ($millions) | 7.8922% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 903 |
| Loan loss allowance to noncurrent loans | 509.6203% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 2,378 |
| Noncurrent loans to loans | 0.3244% | 1,987 |
| Net loans and leases to total assets | 48.9400% | 3,572 |
| Net loans and leases to deposits | 53.1838% | 3,727 |
| Net loans and leases to core deposits | 60.8349% | 3,503 |
| Total domestic deposits to total assets | 92.0200% | 510 |
| Equity capital to assets | 7.6082% | 3,502 |
| Core capital (leverage) ratio | 8.7275% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9606% | 1,640 |
| Memoranda: | ||
| Average total assets | $246,309,000 | 2,745 |
| Average earning assets | $226,887,000 | 2,759 |
| Average equity | $17,938,500 | 3,053 |
| Average total loans | $119,662,500 | 2,983 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 2,106 |
| Cost of funding earning assets | 0.4512% | 1,718 |
| Net interest margin | 3.4064% | 2,237 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.4617% | 4,463 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4454% | 1,018 |
| Return on assets (ROA) | 1.3833% | 1,128 |
| Pretax return on assets | 1.7153% | 887 |
| Return on Equity (ROE) | 17.5600% | 770 |
| Retained earnings to average equity (ytd only) | 9.4471% | 1,335 |
| Net charge-offs to loans | -0.0028% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.6087% | 4,471 |
| Assets per employee ($millions) | 7.5139% | 1,607 |
| Cash dividends to net income (ytd only)* | 46.2107% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 986 |
| Loan loss allowance to noncurrent loans | 1,539.3443% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,313 |
| Noncurrent loans to loans | 0.1038% | 3,030 |
| Net loans and leases to total assets | 46.6600% | 3,760 |
| Net loans and leases to deposits | 50.2751% | 3,885 |
| Net loans and leases to core deposits | 57.3373% | 3,654 |
| Total domestic deposits to total assets | 92.8100% | 447 |
| Equity capital to assets | 6.9620% | 3,690 |
| Core capital (leverage) ratio | 8.2153% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1345% | 1,927 |
| Memoranda: | ||
| Average total assets | $234,657,800 | 2,823 |
| Average earning assets | $216,738,200 | 2,818 |
| Average equity | $18,481,800 | 3,080 |
| Average total loans | $108,608,400 | 3,040 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 2,042 |
| Cost of funding earning assets | 0.3003% | 2,163 |
| Net interest margin | 3.4033% | 1,966 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.5844% | 4,319 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4991% | 856 |
| Return on assets (ROA) | 1.4991% | 834 |
| Pretax return on assets | 1.7187% | 871 |
| Return on Equity (ROE) | 18.4600% | 581 |
| Retained earnings to average equity (ytd only) | 13.1368% | 586 |
| Net charge-offs to loans | -0.0038% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.8472% | 4,389 |
| Assets per employee ($millions) | 7.1981% | 1,812 |
| Cash dividends to net income (ytd only)* | 28.8351% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,550 |
| Loan loss allowance to noncurrent loans | 998.8439% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,187 |
| Noncurrent loans to loans | 0.1421% | 2,913 |
| Net loans and leases to total assets | 49.0500% | 3,527 |
| Net loans and leases to deposits | 52.6955% | 3,687 |
| Net loans and leases to core deposits | 65.9873% | 2,953 |
| Total domestic deposits to total assets | 93.0900% | 559 |
| Equity capital to assets | 6.6554% | 3,675 |
| Core capital (leverage) ratio | 8.7081% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8591% | 2,108 |
| Memoranda: | ||
| Average total assets | $231,332,250 | 2,853 |
| Average earning assets | $214,413,000 | 2,854 |
| Average equity | $18,786,500 | 3,086 |
| Average total loans | $106,366,750 | 3,078 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 1,839 |
| Cost of funding earning assets | 0.2263% | 2,567 |
| Net interest margin | 3.3773% | 1,672 |
| Noninterest income to average assets | 0.3130% | 3,291 |
| Noninterest expense to average assets | 1.4784% | 4,445 |
| Loan and lease loss provision to assets | 0.1014% | 984 |
| Net operating income to assets | 1.5216% | 672 |
| Return on assets (ROA) | 1.5216% | 652 |
| Pretax return on assets | 1.8645% | 504 |
| Return on Equity (ROE) | 17.5949% | 517 |
| Retained earnings to average equity (ytd only) | 9.9494% | 1,038 |
| Net charge-offs to loans | 0.0020% | 2,035 |
| Credit loss provision to net charge-offs | 11,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 2,230.0000% | 42 |
| Efficiency ratio | 42.9230% | 4,543 |
| Assets per employee ($millions) | 7.2982% | 1,740 |
| Cash dividends to net income (ytd only)* | 43.4531% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,653 |
| Loan loss allowance to noncurrent loans | 1,873.8095% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,623 |
| Noncurrent loans to loans | 0.0760% | 3,414 |
| Net loans and leases to total assets | 46.6332% | 3,669 |
| Net loans and leases to deposits | 50.3688% | 3,794 |
| Net loans and leases to core deposits | 60.7119% | 3,219 |
| Total domestic deposits to total assets | 92.5833% | 624 |
| Equity capital to assets | 7.2047% | 3,661 |
| Core capital (leverage) ratio | 8.7087% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1185% | 2,007 |
| Memoranda: | ||
| Average total assets | $226,864,667 | 2,905 |
| Average earning assets | $210,343,000 | 2,918 |
| Average equity | $19,619,333 | 3,098 |
| Average total loans | $101,228,333 | 3,168 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 1,917 |
| Cost of funding earning assets | 0.1790% | 3,097 |
| Net interest margin | 3.2806% | 1,618 |
| Noninterest income to average assets | 0.3311% | 3,117 |
| Noninterest expense to average assets | 1.6034% | 4,294 |
| Loan and lease loss provision to assets | 0.0537% | 1,421 |
| Net operating income to assets | 1.5050% | 628 |
| Return on assets (ROA) | 1.5050% | 618 |
| Pretax return on assets | 1.7233% | 652 |
| Return on Equity (ROE) | 16.0069% | 531 |
| Retained earnings to average equity (ytd only) | 16.0069% | 230 |
| Net charge-offs to loans | 0.0041% | 1,620 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 993.0000% | 84 |
| Efficiency ratio | 47.4325% | 4,434 |
| Assets per employee ($millions) | 6.7691% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,665 |
| Loan loss allowance to noncurrent loans | 2,068.0556% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,715 |
| Noncurrent loans to loans | 0.0709% | 3,498 |
| Net loans and leases to total assets | 44.8185% | 3,674 |
| Net loans and leases to deposits | 49.2024% | 3,798 |
| Net loans and leases to core deposits | 51.3550% | 3,777 |
| Total domestic deposits to total assets | 91.0901% | 990 |
| Equity capital to assets | 8.7263% | 2,952 |
| Core capital (leverage) ratio | 9.0244% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9807% | 1,799 |
| Memoranda: | ||
| Average total assets | $223,526,000 | 2,935 |
| Average earning assets | $207,766,000 | 2,942 |
| Average equity | $21,016,000 | 3,054 |
| Average total loans | $96,601,500 | 3,237 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 2,207 |
| Cost of funding earning assets | 0.2360% | 3,075 |
| Net interest margin | 3.4286% | 1,940 |
| Noninterest income to average assets | 0.3120% | 3,537 |
| Noninterest expense to average assets | 1.5091% | 4,537 |
| Loan and lease loss provision to assets | 0.1544% | 771 |
| Net operating income to assets | 1.4935% | 1,033 |
| Return on assets (ROA) | 1.6124% | 810 |
| Pretax return on assets | 1.9675% | 644 |
| Return on Equity (ROE) | 15.0724% | 939 |
| Retained earnings to average equity (ytd only) | 5.2340% | 2,701 |
| Net charge-offs to loans | 0.0285% | 1,668 |
| Credit loss provision to net charge-offs | 1,320.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 169.0400% | 605 |
| Efficiency ratio | 43.2904% | 4,596 |
| Assets per employee ($millions) | 6.7779% | 2,088 |
| Cash dividends to net income (ytd only)* | 65.2742% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,275 |
| Loan loss allowance to noncurrent loans | 1,536.8421% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,706 |
| Noncurrent loans to loans | 0.1037% | 3,408 |
| Net loans and leases to total assets | 40.2994% | 4,076 |
| Net loans and leases to deposits | 45.1761% | 4,133 |
| Net loans and leases to core deposits | 47.5954% | 4,111 |
| Total domestic deposits to total assets | 89.2051% | 1,413 |
| Equity capital to assets | 10.0769% | 2,586 |
| Core capital (leverage) ratio | 8.8710% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0033% | 1,839 |
| Memoranda: | ||
| Average total assets | $213,774,800 | 2,955 |
| Average earning assets | $197,891,800 | 2,970 |
| Average equity | $22,869,600 | 2,996 |
| Average total loans | $87,772,600 | 3,369 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 2,248 |
| Cost of funding earning assets | 0.2543% | 3,080 |
| Net interest margin | 3.4561% | 1,992 |
| Noninterest income to average assets | 0.3205% | 3,513 |
| Noninterest expense to average assets | 1.5157% | 4,578 |
| Loan and lease loss provision to assets | 0.1074% | 1,125 |
| Net operating income to assets | 1.5540% | 1,136 |
| Return on assets (ROA) | 1.5819% | 1,122 |
| Pretax return on assets | 1.9220% | 909 |
| Return on Equity (ROE) | 14.5632% | 1,241 |
| Retained earnings to average equity (ytd only) | 10.2064% | 1,261 |
| Net charge-offs to loans | 0.0200% | 1,650 |
| Credit loss provision to net charge-offs | 1,307.6923% | 445 |
| Earnings coverage of net charge-offs (x) | 243.2308% | 491 |
| Efficiency ratio | 43.1704% | 4,619 |
| Assets per employee ($millions) | 6.6045% | 2,173 |
| Cash dividends to net income (ytd only)* | 29.9162% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,112 |
| Loan loss allowance to noncurrent loans | 493.2331% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,302 |
| Noncurrent loans to loans | 0.2795% | 2,799 |
| Net loans and leases to total assets | 43.0566% | 4,018 |
| Net loans and leases to deposits | 48.6094% | 4,087 |
| Net loans and leases to core deposits | 58.2397% | 3,608 |
| Total domestic deposits to total assets | 88.5766% | 1,526 |
| Equity capital to assets | 10.6457% | 2,325 |
| Core capital (leverage) ratio | 9.1557% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3877% | 1,832 |
| Memoranda: | ||
| Average total assets | $211,300,750 | 3,006 |
| Average earning assets | $195,051,500 | 3,032 |
| Average equity | $22,952,250 | 3,026 |
| Average total loans | $86,816,250 | 3,429 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 2,168 |
| Cost of funding earning assets | 0.2827% | 2,946 |
| Net interest margin | 3.4787% | 1,922 |
| Noninterest income to average assets | 0.3195% | 3,511 |
| Noninterest expense to average assets | 1.5123% | 4,612 |
| Loan and lease loss provision to assets | 0.0957% | 1,313 |
| Net operating income to assets | 1.5811% | 1,089 |
| Return on assets (ROA) | 1.6242% | 1,054 |
| Pretax return on assets | 1.9772% | 871 |
| Return on Equity (ROE) | 14.8498% | 1,202 |
| Retained earnings to average equity (ytd only) | 14.8498% | 454 |
| Net charge-offs to loans | 0.0309% | 1,352 |
| Credit loss provision to net charge-offs | 769.2308% | 551 |
| Earnings coverage of net charge-offs (x) | 162.4615% | 564 |
| Efficiency ratio | 42.8107% | 4,669 |
| Assets per employee ($millions) | 6.2796% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,129 |
| Loan loss allowance to noncurrent loans | 124,200.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,349 |
| Noncurrent loans to loans | 0.0011% | 4,272 |
| Net loans and leases to total assets | 42.0576% | 4,174 |
| Net loans and leases to deposits | 47.8152% | 4,231 |
| Net loans and leases to core deposits | 54.4215% | 4,001 |
| Total domestic deposits to total assets | 87.9586% | 1,849 |
| Equity capital to assets | 11.1337% | 1,890 |
| Core capital (leverage) ratio | 9.7797% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1218% | 1,593 |
| Memoranda: | ||
| Average total assets | $209,085,000 | 3,022 |
| Average earning assets | $193,116,333 | 3,040 |
| Average equity | $22,869,000 | 3,024 |
| Average total loans | $84,037,333 | 3,480 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 2,366 |
| Cost of funding earning assets | 0.3100% | 2,883 |
| Net interest margin | 3.3872% | 2,145 |
| Noninterest income to average assets | 0.3248% | 3,473 |
| Noninterest expense to average assets | 1.5333% | 4,618 |
| Loan and lease loss provision to assets | 0.0773% | 1,647 |
| Net operating income to assets | 1.5176% | 1,288 |
| Return on assets (ROA) | 1.6048% | 1,169 |
| Pretax return on assets | 1.9471% | 1,033 |
| Return on Equity (ROE) | 14.8095% | 1,254 |
| Retained earnings to average equity (ytd only) | 14.8095% | 647 |
| Net charge-offs to loans | 0.0199% | 1,341 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 346 |
| Efficiency ratio | 44.4258% | 4,555 |
| Assets per employee ($millions) | 6.0925% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,885 |
| Loan loss allowance to noncurrent loans | 9,925.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,354 |
| Noncurrent loans to loans | 0.0143% | 4,236 |
| Net loans and leases to total assets | 41.2217% | 4,282 |
| Net loans and leases to deposits | 46.7991% | 4,312 |
| Net loans and leases to core deposits | 48.8049% | 4,344 |
| Total domestic deposits to total assets | 88.0822% | 1,811 |
| Equity capital to assets | 11.0738% | 1,808 |
| Core capital (leverage) ratio | 9.5004% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3160% | 1,473 |
| Memoranda: | ||
| Average total assets | $206,875,000 | 3,026 |
| Average earning assets | $190,953,500 | 3,050 |
| Average equity | $22,418,000 | 3,050 |
| Average total loans | $80,537,500 | 3,551 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 3,407 |
| Cost of funding earning assets | 0.4746% | 3,118 |
| Net interest margin | 3.2883% | 3,096 |
| Noninterest income to average assets | 0.2992% | 3,685 |
| Noninterest expense to average assets | 1.5794% | 4,721 |
| Loan and lease loss provision to assets | 0.0709% | 3,496 |
| Net operating income to assets | 1.3976% | 1,026 |
| Return on assets (ROA) | 1.4640% | 968 |
| Pretax return on assets | 1.7510% | 762 |
| Return on Equity (ROE) | 13.5638% | 909 |
| Retained earnings to average equity (ytd only) | 3.0111% | 3,344 |
| Net charge-offs to loans | 0.0054% | 3,153 |
| Credit loss provision to net charge-offs | 3,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 860.7500% | 137 |
| Efficiency ratio | 47.5392% | 4,650 |
| Assets per employee ($millions) | 6.6468% | 1,821 |
| Cash dividends to net income (ytd only)* | 77.8008% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,586 |
| Loan loss allowance to noncurrent loans | 8,884.6154% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,420 |
| Noncurrent loans to loans | 0.0169% | 4,292 |
| Net loans and leases to total assets | 35.6618% | 4,601 |
| Net loans and leases to deposits | 40.3339% | 4,652 |
| Net loans and leases to core deposits | 45.0064% | 4,572 |
| Total domestic deposits to total assets | 88.4164% | 1,267 |
| Equity capital to assets | 10.6122% | 2,582 |
| Core capital (leverage) ratio | 9.0206% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,545,600 | 2,963 |
| Average earning assets | $181,616,000 | 2,985 |
| Average equity | $21,321,400 | 3,070 |
| Average total loans | $74,051,200 | 3,658 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,410 |
| Cost of funding earning assets | 0.5244% | 3,085 |
| Net interest margin | 3.3273% | 3,108 |
| Noninterest income to average assets | 0.3000% | 3,687 |
| Noninterest expense to average assets | 1.5978% | 4,731 |
| Loan and lease loss provision to assets | 0.0759% | 3,371 |
| Net operating income to assets | 1.4075% | 1,081 |
| Return on assets (ROA) | 1.4960% | 997 |
| Pretax return on assets | 1.7940% | 788 |
| Return on Equity (ROE) | 13.7971% | 913 |
| Retained earnings to average equity (ytd only) | 4.2775% | 2,912 |
| Net charge-offs to loans | 0.0109% | 2,715 |
| Credit loss provision to net charge-offs | 1,833.3333% | 517 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 267 |
| Efficiency ratio | 47.5430% | 4,637 |
| Assets per employee ($millions) | 5.9084% | 2,342 |
| Cash dividends to net income (ytd only)* | 68.9972% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,933 |
| Loan loss allowance to noncurrent loans | 1,194.6809% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,205 |
| Noncurrent loans to loans | 0.1134% | 3,919 |
| Net loans and leases to total assets | 40.7089% | 4,540 |
| Net loans and leases to deposits | 46.2127% | 4,598 |
| Net loans and leases to core deposits | 57.1574% | 4,333 |
| Total domestic deposits to total assets | 88.0902% | 1,178 |
| Equity capital to assets | 10.9505% | 2,429 |
| Core capital (leverage) ratio | 9.3451% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3115% | 1,417 |
| Memoranda: | ||
| Average total assets | $193,757,500 | 2,973 |
| Average earning assets | $178,239,250 | 3,000 |
| Average equity | $21,008,750 | 3,092 |
| Average total loans | $73,312,250 | 3,681 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,590 |
| Cost of funding earning assets | 0.5835% | 3,054 |
| Net interest margin | 3.3253% | 3,322 |
| Noninterest income to average assets | 0.3062% | 3,629 |
| Noninterest expense to average assets | 1.5843% | 4,788 |
| Loan and lease loss provision to assets | 0.0523% | 3,650 |
| Net operating income to assets | 1.4408% | 1,034 |
| Return on assets (ROA) | 1.4557% | 1,095 |
| Pretax return on assets | 1.7368% | 916 |
| Return on Equity (ROE) | 13.4726% | 984 |
| Retained earnings to average equity (ytd only) | 8.6368% | 1,121 |
| Net charge-offs to loans | 0.0200% | 2,327 |
| Credit loss provision to net charge-offs | 714.2857% | 991 |
| Earnings coverage of net charge-offs (x) | 242.1429% | 380 |
| Efficiency ratio | 47.2127% | 4,670 |
| Assets per employee ($millions) | 5.8246% | 2,344 |
| Cash dividends to net income (ytd only)* | 35.8938% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,593 |
| Loan loss allowance to noncurrent loans | 7,080.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,546 |
| Noncurrent loans to loans | 0.0197% | 4,416 |
| Net loans and leases to total assets | 37.8155% | 4,676 |
| Net loans and leases to deposits | 42.9611% | 4,724 |
| Net loans and leases to core deposits | 50.3842% | 4,612 |
| Total domestic deposits to total assets | 88.0228% | 1,168 |
| Equity capital to assets | 11.0587% | 2,290 |
| Core capital (leverage) ratio | 9.5348% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2458% | 1,194 |
| Memoranda: | ||
| Average total assets | $191,381,667 | 2,973 |
| Average earning assets | $175,500,667 | 3,005 |
| Average equity | $20,679,000 | 3,116 |
| Average total loans | $70,116,000 | 3,754 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,121 |
| Cost of funding earning assets | 0.6570% | 3,137 |
| Net interest margin | 3.1967% | 3,863 |
| Noninterest income to average assets | 0.2574% | 4,000 |
| Noninterest expense to average assets | 1.5868% | 4,864 |
| Loan and lease loss provision to assets | 0.0425% | 3,244 |
| Net operating income to assets | 1.3166% | 1,197 |
| Return on assets (ROA) | 1.3166% | 1,290 |
| Pretax return on assets | 1.5464% | 1,191 |
| Return on Equity (ROE) | 12.3377% | 1,023 |
| Retained earnings to average equity (ytd only) | 12.3377% | 389 |
| Net charge-offs to loans | 0.0536% | 1,474 |
| Credit loss provision to net charge-offs | 222.2222% | 1,358 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 657 |
| Efficiency ratio | 49.9665% | 4,666 |
| Assets per employee ($millions) | 5.4943% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,495 |
| Loan loss allowance to noncurrent loans | 1,980.7692% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 4,484 |
| Noncurrent loans to loans | 0.0736% | 4,227 |
| Net loans and leases to total assets | 37.2458% | 4,747 |
| Net loans and leases to deposits | 42.3318% | 4,795 |
| Net loans and leases to core deposits | 49.4545% | 4,690 |
| Total domestic deposits to total assets | 87.9853% | 1,113 |
| Equity capital to assets | 11.0142% | 2,843 |
| Core capital (leverage) ratio | 9.8511% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,055,000 | 2,972 |
| Average earning assets | $171,678,000 | 3,001 |
| Average equity | $20,068,500 | 3,166 |
| Average total loans | $67,199,000 | 3,817 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 4,098 |
| Cost of funding earning assets | 0.8038% | 2,668 |
| Net interest margin | 3.2678% | 4,049 |
| Noninterest income to average assets | 0.3091% | 3,843 |
| Noninterest expense to average assets | 1.6357% | 4,924 |
| Loan and lease loss provision to assets | 0.0766% | 2,459 |
| Net operating income to assets | 1.3462% | 1,514 |
| Return on assets (ROA) | 1.3862% | 1,470 |
| Pretax return on assets | 1.6420% | 1,358 |
| Return on Equity (ROE) | 12.7850% | 1,242 |
| Retained earnings to average equity (ytd only) | 2.3226% | 3,865 |
| Net charge-offs to loans | 0.0111% | 3,299 |
| Credit loss provision to net charge-offs | 1,928.5714% | 200 |
| Earnings coverage of net charge-offs (x) | 420.8571% | 221 |
| Efficiency ratio | 49.4683% | 4,758 |
| Assets per employee ($millions) | 5.5678% | 2,011 |
| Cash dividends to net income (ytd only)* | 81.8331% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 984 |
| Loan loss allowance to noncurrent loans | 1,543.9394% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,471 |
| Noncurrent loans to loans | 0.1035% | 4,108 |
| Net loans and leases to total assets | 33.1592% | 4,915 |
| Net loans and leases to deposits | 37.2682% | 4,952 |
| Net loans and leases to core deposits | 44.9933% | 4,851 |
| Total domestic deposits to total assets | 88.9744% | 682 |
| Equity capital to assets | 10.3336% | 3,601 |
| Core capital (leverage) ratio | 9.6444% | 3,910 |
| Tier 1 risk-based capital ratio | 16.9174% | 2,075 |
| Total risk-based capital ratio | 17.9202% | 2,098 |
| Memoranda: | ||
| Average total assets | $176,310,800 | 3,053 |
| Average earning assets | $161,728,200 | 3,069 |
| Average equity | $19,116,200 | 3,213 |
| Average total loans | $63,346,000 | 3,922 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 4,115 |
| Cost of funding earning assets | 0.8074% | 2,675 |
| Net interest margin | 3.3100% | 4,075 |
| Noninterest income to average assets | 0.3259% | 3,793 |
| Noninterest expense to average assets | 1.6726% | 4,948 |
| Loan and lease loss provision to assets | 0.0578% | 2,743 |
| Net operating income to assets | 1.3842% | 1,514 |
| Return on assets (ROA) | 1.4006% | 1,524 |
| Pretax return on assets | 1.6564% | 1,452 |
| Return on Equity (ROE) | 12.7544% | 1,371 |
| Retained earnings to average equity (ytd only) | 12.7544% | 307 |
| Net charge-offs to loans | 0.0063% | 3,158 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 733.3150% | 130 |
| Efficiency ratio | 49.6683% | 4,765 |
| Assets per employee ($millions) | 5.3788% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,653 |
| Loan loss allowance to noncurrent loans | 708.0882% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 4,335 |
| Noncurrent loans to loans | 0.1947% | 3,838 |
| Net loans and leases to total assets | 38.8045% | 4,856 |
| Net loans and leases to deposits | 44.4523% | 4,900 |
| Net loans and leases to core deposits | 57.7603% | 4,623 |
| Total domestic deposits to total assets | 87.2946% | 1,377 |
| Equity capital to assets | 11.8997% | 2,324 |
| Core capital (leverage) ratio | 10.7342% | 2,905 |
| Tier 1 risk-based capital ratio | 18.4290% | 1,704 |
| Total risk-based capital ratio | 19.3849% | 1,738 |
| Memoranda: | ||
| Average total assets | $173,062,250 | 3,111 |
| Average earning assets | $159,031,000 | 3,121 |
| Average equity | $19,004,750 | 3,247 |
| Average total loans | $63,234,750 | 3,966 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 4,238 |
| Cost of funding earning assets | 0.7572% | 2,860 |
| Net interest margin | 3.3101% | 4,120 |
| Noninterest income to average assets | 0.3392% | 3,663 |
| Noninterest expense to average assets | 1.6995% | 4,980 |
| Loan and lease loss provision to assets | 0.0350% | 3,127 |
| Net operating income to assets | 1.4004% | 1,437 |
| Return on assets (ROA) | 1.4034% | 1,480 |
| Pretax return on assets | 1.6552% | 1,381 |
| Return on Equity (ROE) | 13.1592% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.1592% | 289 |
| Net charge-offs to loans | 0.0066% | 2,919 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 723.5000% | 111 |
| Efficiency ratio | 50.1893% | 4,771 |
| Assets per employee ($millions) | 5.1996% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 1,860 |
| Loan loss allowance to noncurrent loans | 1,875.5102% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,637 |
| Noncurrent loans to loans | 0.0714% | 4,363 |
| Net loans and leases to total assets | 38.3136% | 4,900 |
| Net loans and leases to deposits | 43.5464% | 4,959 |
| Net loans and leases to core deposits | 56.3638% | 4,703 |
| Total domestic deposits to total assets | 87.9832% | 1,108 |
| Equity capital to assets | 11.3256% | 2,763 |
| Core capital (leverage) ratio | 10.4355% | 3,158 |
| Tier 1 risk-based capital ratio | 18.0061% | 1,806 |
| Total risk-based capital ratio | 18.9279% | 1,842 |
| Memoranda: | ||
| Average total assets | $171,583,000 | 3,139 |
| Average earning assets | $157,942,000 | 3,153 |
| Average equity | $18,299,000 | 3,317 |
| Average total loans | $61,032,670 | 4,026 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,466 |
| Cost of funding earning assets | 0.6683% | 3,214 |
| Net interest margin | 3.2850% | 4,199 |
| Noninterest income to average assets | 0.3290% | 3,656 |
| Noninterest expense to average assets | 1.6854% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4142% | 1,339 |
| Return on assets (ROA) | 1.4203% | 1,350 |
| Pretax return on assets | 1.6759% | 1,270 |
| Return on Equity (ROE) | 13.7634% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.7634% | 374 |
| Net charge-offs to loans | 0.0070% | 2,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 95 |
| Efficiency ratio | 50.2470% | 4,807 |
| Assets per employee ($millions) | 4.8219% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,453 |
| Loan loss allowance to noncurrent loans | 542.6829% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,324 |
| Noncurrent loans to loans | 0.2700% | 3,597 |
| Net loans and leases to total assets | 35.4593% | 5,031 |
| Net loans and leases to deposits | 40.0361% | 5,076 |
| Net loans and leases to core deposits | 47.0809% | 4,957 |
| Total domestic deposits to total assets | 88.5683% | 1,051 |
| Equity capital to assets | 10.7657% | 3,083 |
| Core capital (leverage) ratio | 10.4204% | 3,144 |
| Tier 1 risk-based capital ratio | 18.5131% | 1,659 |
| Total risk-based capital ratio | 19.4630% | 1,692 |
| Memoranda: | ||
| Average total assets | $168,981,500 | 3,201 |
| Average earning assets | $155,617,500 | 3,208 |
| Average equity | $17,437,500 | 3,429 |
| Average total loans | $57,223,000 | 4,144 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 4,467 |
| Cost of funding earning assets | 0.5319% | 3,167 |
| Net interest margin | 3.2777% | 4,317 |
| Noninterest income to average assets | 0.3653% | 3,655 |
| Noninterest expense to average assets | 1.7569% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3518% | 1,612 |
| Return on assets (ROA) | 1.3523% | 1,596 |
| Pretax return on assets | 1.6026% | 1,462 |
| Return on Equity (ROE) | 13.0756% | 1,313 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,272 |
| Net charge-offs to loans | 0.0131% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 372.1429% | 277 |
| Efficiency ratio | 52.3068% | 4,768 |
| Assets per employee ($millions) | 4.6999% | 2,876 |
| Cash dividends to net income (ytd only)* | 68.2128% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 908 |
| Loan loss allowance to noncurrent loans | 414.4186% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 4,184 |
| Noncurrent loans to loans | 0.4003% | 3,095 |
| Net loans and leases to total assets | 31.2190% | 5,183 |
| Net loans and leases to deposits | 34.7637% | 5,215 |
| Net loans and leases to core deposits | 41.0803% | 5,145 |
| Total domestic deposits to total assets | 89.8035% | 541 |
| Equity capital to assets | 9.8738% | 3,793 |
| Core capital (leverage) ratio | 10.4813% | 3,048 |
| Tier 1 risk-based capital ratio | 18.9304% | 1,532 |
| Total risk-based capital ratio | 19.9376% | 1,534 |
| Memoranda: | ||
| Average total assets | $162,615,600 | 3,244 |
| Average earning assets | $148,517,000 | 3,263 |
| Average equity | $16,817,600 | 3,420 |
| Average total loans | $53,375,800 | 4,235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 4,481 |
| Cost of funding earning assets | 0.4837% | 3,304 |
| Net interest margin | 3.2953% | 4,291 |
| Noninterest income to average assets | 0.3553% | 3,755 |
| Noninterest expense to average assets | 1.7560% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3577% | 1,632 |
| Return on assets (ROA) | 1.3584% | 1,636 |
| Pretax return on assets | 1.6135% | 1,538 |
| Return on Equity (ROE) | 12.9804% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.9804% | 362 |
| Net charge-offs to loans | 0.0175% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 278.2358% | 332 |
| Efficiency ratio | 52.1269% | 4,798 |
| Assets per employee ($millions) | 4.6716% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,130 |
| Loan loss allowance to noncurrent loans | 403.1674% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,251 |
| Noncurrent loans to loans | 0.3910% | 3,251 |
| Net loans and leases to total assets | 35.0212% | 5,170 |
| Net loans and leases to deposits | 39.4108% | 5,219 |
| Net loans and leases to core deposits | 48.6850% | 5,054 |
| Total domestic deposits to total assets | 88.8620% | 891 |
| Equity capital to assets | 10.7671% | 2,878 |
| Core capital (leverage) ratio | 11.3243% | 2,314 |
| Tier 1 risk-based capital ratio | 20.5873% | 1,235 |
| Total risk-based capital ratio | 21.6244% | 1,245 |
| Memoranda: | ||
| Average total assets | $160,970,750 | 3,287 |
| Average earning assets | $147,197,750 | 3,313 |
| Average equity | $16,845,500 | 3,436 |
| Average total loans | $53,291,750 | 4,285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,589 |
| Cost of funding earning assets | 0.4352% | 3,461 |
| Net interest margin | 3.2625% | 4,355 |
| Noninterest income to average assets | 0.3550% | 3,792 |
| Noninterest expense to average assets | 1.7615% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3335% | 1,651 |
| Return on assets (ROA) | 1.3335% | 1,660 |
| Pretax return on assets | 1.5796% | 1,569 |
| Return on Equity (ROE) | 12.8640% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.8640% | 398 |
| Net charge-offs to loans | 0.0268% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 182.4286% | 449 |
| Efficiency ratio | 52.7212% | 4,811 |
| Assets per employee ($millions) | 4.5861% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 986 |
| Loan loss allowance to noncurrent loans | 597.9866% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,550 |
| Noncurrent loans to loans | 0.2764% | 3,718 |
| Net loans and leases to total assets | 33.0314% | 5,267 |
| Net loans and leases to deposits | 37.0839% | 5,305 |
| Net loans and leases to core deposits | 42.0737% | 5,242 |
| Total domestic deposits to total assets | 89.0720% | 905 |
| Equity capital to assets | 10.5947% | 3,032 |
| Core capital (leverage) ratio | 10.8748% | 2,636 |
| Tier 1 risk-based capital ratio | 20.6211% | 1,228 |
| Total risk-based capital ratio | 21.6939% | 1,231 |
| Memoranda: | ||
| Average total assets | $161,682,670 | 3,303 |
| Average earning assets | $147,984,000 | 3,315 |
| Average equity | $16,760,000 | 3,469 |
| Average total loans | $52,216,670 | 4,345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,630 |
| Cost of funding earning assets | 0.4026% | 3,558 |
| Net interest margin | 3.2314% | 4,366 |
| Noninterest income to average assets | 0.3550% | 3,775 |
| Noninterest expense to average assets | 1.7551% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3213% | 1,576 |
| Return on assets (ROA) | 1.3213% | 1,581 |
| Pretax return on assets | 1.5678% | 1,477 |
| Return on Equity (ROE) | 12.8869% | 1,300 |
| Retained earnings to average equity (ytd only) | 11.5646% | 774 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8190% | 4,899 |
| Assets per employee ($millions) | 4.4929% | 3,176 |
| Cash dividends to net income (ytd only)* | 10.2612% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 879 |
| Loan loss allowance to noncurrent loans | 455.8376% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,455 |
| Noncurrent loans to loans | 0.3816% | 3,415 |
| Net loans and leases to total assets | 32.2552% | 5,318 |
| Net loans and leases to deposits | 36.5222% | 5,348 |
| Net loans and leases to core deposits | 38.4333% | 5,345 |
| Total domestic deposits to total assets | 88.3168% | 1,452 |
| Equity capital to assets | 10.5277% | 3,048 |
| Core capital (leverage) ratio | 10.2347% | 3,260 |
| Tier 1 risk-based capital ratio | 20.5660% | 1,254 |
| Total risk-based capital ratio | 21.6796% | 1,255 |
| Memoranda: | ||
| Average total assets | $162,267,000 | 3,328 |
| Average earning assets | $149,035,500 | 3,348 |
| Average equity | $16,637,000 | 3,516 |
| Average total loans | $51,369,500 | 4,413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,448 |
| Cost of funding earning assets | 0.4174% | 3,074 |
| Net interest margin | 3.2340% | 4,348 |
| Noninterest income to average assets | 0.6142% | 2,384 |
| Noninterest expense to average assets | 1.6611% | 5,371 |
| Loan and lease loss provision to assets | 0.1878% | 1,125 |
| Net operating income to assets | 1.4325% | 942 |
| Return on assets (ROA) | 1.4620% | 889 |
| Pretax return on assets | 1.7306% | 938 |
| Return on Equity (ROE) | 13.5630% | 838 |
| Retained earnings to average equity (ytd only) | 3.6884% | 3,021 |
| Net charge-offs to loans | -0.0021% | 4,533 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8645% | 5,366 |
| Assets per employee ($millions) | 5.0692% | 2,399 |
| Cash dividends to net income (ytd only)* | 72.8051% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 847 |
| Loan loss allowance to noncurrent loans | 627.9720% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,697 |
| Noncurrent loans to loans | 0.2797% | 3,782 |
| Net loans and leases to total assets | 30.0218% | 5,437 |
| Net loans and leases to deposits | 33.4860% | 5,468 |
| Net loans and leases to core deposits | 38.1120% | 5,422 |
| Total domestic deposits to total assets | 89.6546% | 706 |
| Equity capital to assets | 9.9945% | 3,715 |
| Core capital (leverage) ratio | 9.9999% | 3,456 |
| Tier 1 risk-based capital ratio | 19.4605% | 1,420 |
| Total risk-based capital ratio | 20.5458% | 1,426 |
| Memoranda: | ||
| Average total assets | $159,716,000 | 3,352 |
| Average earning assets | $144,713,800 | 3,388 |
| Average equity | $17,216,000 | 3,465 |
| Average total loans | $48,583,600 | 4,498 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,459 |
| Cost of funding earning assets | 0.4058% | 3,125 |
| Net interest margin | 3.2371% | 4,368 |
| Noninterest income to average assets | 0.4824% | 3,136 |
| Noninterest expense to average assets | 1.6634% | 5,396 |
| Loan and lease loss provision to assets | 0.0760% | 2,553 |
| Net operating income to assets | 1.3874% | 1,120 |
| Return on assets (ROA) | 1.4091% | 1,092 |
| Pretax return on assets | 1.6938% | 1,145 |
| Return on Equity (ROE) | 12.8253% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.8253% | 233 |
| Net charge-offs to loans | -0.0028% | 4,357 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8222% | 5,304 |
| Assets per employee ($millions) | 4.8227% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,320 |
| Loan loss allowance to noncurrent loans | 329.1866% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 2,908 |
| Noncurrent loans to loans | 0.3975% | 3,531 |
| Net loans and leases to total assets | 32.6080% | 5,441 |
| Net loans and leases to deposits | 37.1906% | 5,476 |
| Net loans and leases to core deposits | 45.0266% | 5,342 |
| Total domestic deposits to total assets | 87.6781% | 1,525 |
| Equity capital to assets | 11.5257% | 2,335 |
| Core capital (leverage) ratio | 10.9226% | 2,529 |
| Tier 1 risk-based capital ratio | 21.2630% | 1,150 |
| Total risk-based capital ratio | 22.1167% | 1,186 |
| Memoranda: | ||
| Average total assets | $157,824,500 | 3,402 |
| Average earning assets | $142,594,500 | 3,442 |
| Average equity | $17,340,250 | 3,486 |
| Average total loans | $47,949,750 | 4,559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 4,588 |
| Cost of funding earning assets | 0.3813% | 3,275 |
| Net interest margin | 3.1905% | 4,448 |
| Noninterest income to average assets | 0.6278% | 2,329 |
| Noninterest expense to average assets | 1.6812% | 5,432 |
| Loan and lease loss provision to assets | 0.0762% | 2,456 |
| Net operating income to assets | 1.4883% | 891 |
| Return on assets (ROA) | 1.4894% | 909 |
| Pretax return on assets | 1.7422% | 960 |
| Return on Equity (ROE) | 13.7834% | 849 |
| Retained earnings to average equity (ytd only) | 13.7834% | 199 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0567% | 5,390 |
| Assets per employee ($millions) | 4.6010% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,487 |
| Loan loss allowance to noncurrent loans | 226.5517% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,743 |
| Noncurrent loans to loans | 0.5672% | 3,033 |
| Net loans and leases to total assets | 31.3398% | 5,517 |
| Net loans and leases to deposits | 35.6985% | 5,545 |
| Net loans and leases to core deposits | 40.6538% | 5,478 |
| Total domestic deposits to total assets | 87.7902% | 1,571 |
| Equity capital to assets | 11.1510% | 2,654 |
| Core capital (leverage) ratio | 10.7678% | 2,630 |
| Tier 1 risk-based capital ratio | 20.6419% | 1,254 |
| Total risk-based capital ratio | 21.4569% | 1,297 |
| Memoranda: | ||
| Average total assets | $157,383,330 | 3,425 |
| Average earning assets | $141,610,000 | 3,469 |
| Average equity | $17,006,000 | 3,533 |
| Average total loans | $46,405,330 | 4,622 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 4,638 |
| Cost of funding earning assets | 0.3784% | 3,217 |
| Net interest margin | 3.1415% | 4,528 |
| Noninterest income to average assets | 1.0388% | 931 |
| Noninterest expense to average assets | 1.7383% | 5,440 |
| Loan and lease loss provision to assets | 0.0771% | 2,268 |
| Net operating income to assets | 1.8331% | 422 |
| Return on assets (ROA) | 1.8308% | 434 |
| Pretax return on assets | 2.0391% | 470 |
| Return on Equity (ROE) | 17.2288% | 392 |
| Retained earnings to average equity (ytd only) | 17.2288% | 161 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0667% | 5,564 |
| Assets per employee ($millions) | 4.7209% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,237 |
| Loan loss allowance to noncurrent loans | 201.6077% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 2,627 |
| Noncurrent loans to loans | 0.6767% | 2,822 |
| Net loans and leases to total assets | 29.0958% | 5,609 |
| Net loans and leases to deposits | 32.9046% | 5,642 |
| Net loans and leases to core deposits | 36.9949% | 5,600 |
| Total domestic deposits to total assets | 88.4247% | 1,470 |
| Equity capital to assets | 10.9282% | 2,715 |
| Core capital (leverage) ratio | 10.4366% | 2,974 |
| Tier 1 risk-based capital ratio | 21.2896% | 1,174 |
| Total risk-based capital ratio | 22.1146% | 1,213 |
| Memoranda: | ||
| Average total assets | $155,557,500 | 3,482 |
| Average earning assets | $139,553,000 | 3,537 |
| Average equity | $16,530,500 | 3,599 |
| Average total loans | $44,045,500 | 4,726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 4,759 |
| Cost of funding earning assets | 0.3472% | 3,543 |
| Net interest margin | 3.1611% | 4,561 |
| Noninterest income to average assets | 0.3316% | 4,364 |
| Noninterest expense to average assets | 1.7199% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1786% | 1,574 |
| Return on assets (ROA) | 1.1824% | 1,656 |
| Pretax return on assets | 1.4687% | 1,687 |
| Return on Equity (ROE) | 10.1911% | 1,882 |
| Retained earnings to average equity (ytd only) | 2.6249% | 4,026 |
| Net charge-offs to loans | 0.0070% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 722.6667% | 107 |
| Efficiency ratio | 54.0191% | 5,240 |
| Assets per employee ($millions) | 4.7068% | 2,780 |
| Cash dividends to net income (ytd only)* | 74.2433% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 2,010 |
| Loan loss allowance to noncurrent loans | 173.0435% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 2,578 |
| Noncurrent loans to loans | 0.8188% | 2,474 |
| Net loans and leases to total assets | 26.7431% | 5,713 |
| Net loans and leases to deposits | 29.9914% | 5,737 |
| Net loans and leases to core deposits | 34.1118% | 5,705 |
| Total domestic deposits to total assets | 89.1692% | 1,026 |
| Equity capital to assets | 10.3241% | 3,359 |
| Core capital (leverage) ratio | 10.4219% | 2,959 |
| Tier 1 risk-based capital ratio | 20.8957% | 1,231 |
| Total risk-based capital ratio | 21.7022% | 1,267 |
| Memoranda: | ||
| Average total assets | $148,089,800 | 3,552 |
| Average earning assets | $133,625,800 | 3,596 |
| Average equity | $17,181,600 | 3,531 |
| Average total loans | $42,966,800 | 4,783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 4,739 |
| Cost of funding earning assets | 0.3484% | 3,557 |
| Net interest margin | 3.1778% | 4,555 |
| Noninterest income to average assets | 0.3600% | 4,200 |
| Noninterest expense to average assets | 1.7455% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1917% | 1,664 |
| Return on assets (ROA) | 1.1968% | 1,744 |
| Pretax return on assets | 1.4975% | 1,718 |
| Return on Equity (ROE) | 10.0219% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.0219% | 572 |
| Net charge-offs to loans | 0.0123% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 409.2458% | 219 |
| Efficiency ratio | 53.9285% | 5,246 |
| Assets per employee ($millions) | 4.4481% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 2,479 |
| Loan loss allowance to noncurrent loans | 342.5287% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 2,901 |
| Noncurrent loans to loans | 0.3917% | 3,860 |
| Net loans and leases to total assets | 29.8543% | 5,717 |
| Net loans and leases to deposits | 34.8056% | 5,744 |
| Net loans and leases to core deposits | 40.1495% | 5,674 |
| Total domestic deposits to total assets | 85.7745% | 2,470 |
| Equity capital to assets | 12.4154% | 1,831 |
| Core capital (leverage) ratio | 11.5893% | 1,967 |
| Tier 1 risk-based capital ratio | 22.7417% | 1,037 |
| Total risk-based capital ratio | 23.5718% | 1,072 |
| Memoranda: | ||
| Average total assets | $146,280,750 | 3,589 |
| Average earning assets | $132,415,750 | 3,628 |
| Average equity | $17,468,000 | 3,516 |
| Average total loans | $43,174,500 | 4,820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 4,902 |
| Cost of funding earning assets | 0.3481% | 3,594 |
| Net interest margin | 3.1392% | 4,719 |
| Noninterest income to average assets | 0.3463% | 4,302 |
| Noninterest expense to average assets | 1.7315% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1703% | 1,696 |
| Return on assets (ROA) | 1.1703% | 1,796 |
| Pretax return on assets | 1.4537% | 1,825 |
| Return on Equity (ROE) | 9.9326% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.9326% | 612 |
| Net charge-offs to loans | 0.0187% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 265.5000% | 257 |
| Efficiency ratio | 54.3618% | 5,279 |
| Assets per employee ($millions) | 4.4672% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,453 |
| Loan loss allowance to noncurrent loans | 325.6831% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 2,984 |
| Noncurrent loans to loans | 0.4199% | 3,848 |
| Net loans and leases to total assets | 29.1584% | 5,796 |
| Net loans and leases to deposits | 33.6765% | 5,829 |
| Net loans and leases to core deposits | 38.7657% | 5,775 |
| Total domestic deposits to total assets | 86.5838% | 2,117 |
| Equity capital to assets | 12.1585% | 2,005 |
| Core capital (leverage) ratio | 11.3123% | 2,136 |
| Tier 1 risk-based capital ratio | 22.3405% | 1,100 |
| Total risk-based capital ratio | 23.1793% | 1,126 |
| Memoranda: | ||
| Average total assets | $146,112,330 | 3,613 |
| Average earning assets | $132,137,670 | 3,657 |
| Average equity | $17,216,000 | 3,557 |
| Average total loans | $42,760,000 | 4,869 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 5,027 |
| Cost of funding earning assets | 0.3486% | 3,615 |
| Net interest margin | 3.0915% | 4,887 |
| Noninterest income to average assets | 0.3437% | 4,272 |
| Noninterest expense to average assets | 1.7462% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1440% | 1,736 |
| Return on assets (ROA) | 1.1440% | 1,853 |
| Pretax return on assets | 1.4025% | 1,900 |
| Return on Equity (ROE) | 9.8683% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.8683% | 877 |
| Net charge-offs to loans | 0.0094% | 2,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 510.0000% | 108 |
| Efficiency ratio | 55.4585% | 5,241 |
| Assets per employee ($millions) | 4.4627% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,559 |
| Loan loss allowance to noncurrent loans | 316.9312% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 2,965 |
| Noncurrent loans to loans | 0.4324% | 3,889 |
| Net loans and leases to total assets | 30.1855% | 5,823 |
| Net loans and leases to deposits | 34.7699% | 5,854 |
| Net loans and leases to core deposits | 38.9326% | 5,796 |
| Total domestic deposits to total assets | 86.8151% | 2,289 |
| Equity capital to assets | 12.0316% | 2,017 |
| Core capital (leverage) ratio | 11.0241% | 2,390 |
| Tier 1 risk-based capital ratio | 21.6589% | 1,209 |
| Total risk-based capital ratio | 22.4996% | 1,245 |
| Memoranda: | ||
| Average total assets | $145,459,000 | 3,644 |
| Average earning assets | $131,974,000 | 3,687 |
| Average equity | $16,862,000 | 3,612 |
| Average total loans | $42,349,500 | 4,922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,689 |
| Cost of funding earning assets | 0.3489% | 3,711 |
| Net interest margin | 3.2473% | 4,479 |
| Noninterest income to average assets | 0.3249% | 4,571 |
| Noninterest expense to average assets | 1.8192% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1873% | 1,598 |
| Return on assets (ROA) | 1.1772% | 1,712 |
| Pretax return on assets | 1.4053% | 1,882 |
| Return on Equity (ROE) | 9.9356% | 2,034 |
| Retained earnings to average equity (ytd only) | 2.1874% | 4,474 |
| Net charge-offs to loans | -0.0268% | 5,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2077% | 5,327 |
| Assets per employee ($millions) | 4.2317% | 3,520 |
| Cash dividends to net income (ytd only)* | 77.9844% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 2,162 |
| Loan loss allowance to noncurrent loans | 269.0583% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,958 |
| Noncurrent loans to loans | 0.5440% | 3,532 |
| Net loans and leases to total assets | 27.2721% | 5,954 |
| Net loans and leases to deposits | 31.0658% | 5,980 |
| Net loans and leases to core deposits | 35.4293% | 5,934 |
| Total domestic deposits to total assets | 87.7882% | 1,754 |
| Equity capital to assets | 11.1687% | 2,659 |
| Core capital (leverage) ratio | 10.5668% | 2,865 |
| Tier 1 risk-based capital ratio | 21.8828% | 1,165 |
| Total risk-based capital ratio | 22.7572% | 1,197 |
| Memoranda: | ||
| Average total assets | $141,603,400 | 3,700 |
| Average earning assets | $126,965,600 | 3,758 |
| Average equity | $16,778,000 | 3,564 |
| Average total loans | $41,076,000 | 4,961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,600 |
| Cost of funding earning assets | 0.3545% | 3,700 |
| Net interest margin | 3.2867% | 4,408 |
| Noninterest income to average assets | 0.3124% | 4,712 |
| Noninterest expense to average assets | 1.8555% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1706% | 1,750 |
| Return on assets (ROA) | 1.1706% | 1,822 |
| Pretax return on assets | 1.3973% | 2,023 |
| Return on Equity (ROE) | 9.7323% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.7323% | 682 |
| Net charge-offs to loans | -0.0389% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0425% | 5,225 |
| Assets per employee ($millions) | 3.9969% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,518 |
| Loan loss allowance to noncurrent loans | 362.0482% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 3,036 |
| Noncurrent loans to loans | 0.3914% | 4,212 |
| Net loans and leases to total assets | 29.8871% | 5,977 |
| Net loans and leases to deposits | 34.5420% | 6,010 |
| Net loans and leases to core deposits | 39.7069% | 5,925 |
| Total domestic deposits to total assets | 86.5237% | 2,267 |
| Equity capital to assets | 12.3976% | 1,798 |
| Core capital (leverage) ratio | 11.6455% | 1,922 |
| Tier 1 risk-based capital ratio | 23.3428% | 1,019 |
| Total risk-based capital ratio | 24.2263% | 1,041 |
| Memoranda: | ||
| Average total assets | $139,976,500 | 3,757 |
| Average earning assets | $125,227,750 | 3,824 |
| Average equity | $16,837,000 | 3,581 |
| Average total loans | $41,096,750 | 5,018 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,729 |
| Cost of funding earning assets | 0.3529% | 3,776 |
| Net interest margin | 3.2414% | 4,523 |
| Noninterest income to average assets | 0.3128% | 4,716 |
| Noninterest expense to average assets | 1.8656% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1414% | 1,802 |
| Return on assets (ROA) | 1.1414% | 1,880 |
| Pretax return on assets | 1.3471% | 2,190 |
| Return on Equity (ROE) | 9.5870% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.5870% | 761 |
| Net charge-offs to loans | 0.0246% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 188.6000% | 359 |
| Efficiency ratio | 58.0703% | 5,215 |
| Assets per employee ($millions) | 3.7824% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 2,820 |
| Loan loss allowance to noncurrent loans | 222.0532% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 2,881 |
| Noncurrent loans to loans | 0.6251% | 3,597 |
| Net loans and leases to total assets | 29.6477% | 6,047 |
| Net loans and leases to deposits | 34.3656% | 6,074 |
| Net loans and leases to core deposits | 38.9620% | 5,991 |
| Total domestic deposits to total assets | 86.2712% | 2,546 |
| Equity capital to assets | 11.9831% | 2,042 |
| Core capital (leverage) ratio | 11.3771% | 2,089 |
| Tier 1 risk-based capital ratio | 22.3660% | 1,154 |
| Total risk-based capital ratio | 23.2116% | 1,194 |
| Memoranda: | ||
| Average total assets | $140,005,330 | 3,778 |
| Average earning assets | $125,255,000 | 3,858 |
| Average equity | $16,668,330 | 3,613 |
| Average total loans | $40,659,000 | 5,081 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,745 |
| Cost of funding earning assets | 0.3538% | 3,816 |
| Net interest margin | 3.2293% | 4,488 |
| Noninterest income to average assets | 0.3085% | 4,720 |
| Noninterest expense to average assets | 1.9138% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1054% | 1,852 |
| Return on assets (ROA) | 1.1054% | 1,957 |
| Pretax return on assets | 1.2883% | 2,340 |
| Return on Equity (ROE) | 9.3155% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.3155% | 1,097 |
| Net charge-offs to loans | 0.0701% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 64.4286% | 690 |
| Efficiency ratio | 59.7681% | 5,122 |
| Assets per employee ($millions) | 3.8566% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 2,847 |
| Loan loss allowance to noncurrent loans | 427.9412% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 3,075 |
| Noncurrent loans to loans | 0.3306% | 4,608 |
| Net loans and leases to total assets | 29.2084% | 6,103 |
| Net loans and leases to deposits | 34.1220% | 6,119 |
| Net loans and leases to core deposits | 37.3397% | 6,068 |
| Total domestic deposits to total assets | 85.5997% | 3,136 |
| Equity capital to assets | 12.1963% | 1,894 |
| Core capital (leverage) ratio | 11.0784% | 2,336 |
| Tier 1 risk-based capital ratio | 21.7061% | 1,286 |
| Total risk-based capital ratio | 22.5462% | 1,345 |
| Memoranda: | ||
| Average total assets | $140,034,500 | 3,809 |
| Average earning assets | $125,478,000 | 3,880 |
| Average equity | $16,617,500 | 3,648 |
| Average total loans | $39,951,000 | 5,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 5,106 |
| Cost of funding earning assets | 0.4145% | 3,549 |
| Net interest margin | 3.1767% | 4,997 |
| Noninterest income to average assets | 0.4232% | 4,021 |
| Noninterest expense to average assets | 1.9530% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1137% | 1,929 |
| Return on assets (ROA) | 1.1236% | 1,947 |
| Pretax return on assets | 1.2958% | 2,255 |
| Return on Equity (ROE) | 10.0069% | 2,123 |
| Retained earnings to average equity (ytd only) | 3.0621% | 4,067 |
| Net charge-offs to loans | 1.1525% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.8968% | 3,787 |
| Efficiency ratio | 60.3241% | 5,172 |
| Assets per employee ($millions) | 3.7166% | 4,496 |
| Cash dividends to net income (ytd only)* | 69.4006% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 2,384 |
| Loan loss allowance to noncurrent loans | 239.4309% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 2,735 |
| Noncurrent loans to loans | 0.6345% | 3,781 |
| Net loans and leases to total assets | 27.0328% | 6,258 |
| Net loans and leases to deposits | 31.2178% | 6,275 |
| Net loans and leases to core deposits | 34.3028% | 6,232 |
| Total domestic deposits to total assets | 86.5944% | 2,516 |
| Equity capital to assets | 11.5427% | 2,396 |
| Core capital (leverage) ratio | 10.6081% | 2,827 |
| Tier 1 risk-based capital ratio | 22.5411% | 1,144 |
| Total risk-based capital ratio | 23.4474% | 1,173 |
| Memoranda: | ||
| Average total assets | $141,068,000 | 3,778 |
| Average earning assets | $124,971,000 | 3,862 |
| Average equity | $15,839,000 | 3,696 |
| Average total loans | $40,348,800 | 5,168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 5,148 |
| Cost of funding earning assets | 0.4302% | 3,464 |
| Net interest margin | 3.1663% | 5,075 |
| Noninterest income to average assets | 0.4056% | 4,206 |
| Noninterest expense to average assets | 1.9428% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0950% | 2,055 |
| Return on assets (ROA) | 1.1080% | 2,058 |
| Pretax return on assets | 1.2820% | 2,449 |
| Return on Equity (ROE) | 9.9383% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.5464% | 2,071 |
| Net charge-offs to loans | 1.5249% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.8755% | 3,802 |
| Efficiency ratio | 60.5302% | 5,114 |
| Assets per employee ($millions) | 3.8945% | 4,101 |
| Cash dividends to net income (ytd only)* | 34.1296% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 2,785 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 2,824 |
| Noncurrent loans to loans | 0.6263% | 4,046 |
| Net loans and leases to total assets | 28.6181% | 6,300 |
| Net loans and leases to deposits | 33.2294% | 6,319 |
| Net loans and leases to core deposits | 37.1978% | 6,256 |
| Total domestic deposits to total assets | 86.1227% | 2,790 |
| Equity capital to assets | 12.0843% | 1,986 |
| Core capital (leverage) ratio | 10.9903% | 2,497 |
| Tier 1 risk-based capital ratio | 23.5744% | 1,040 |
| Total risk-based capital ratio | 24.5040% | 1,072 |
| Memoranda: | ||
| Average total assets | $141,027,000 | 3,806 |
| Average earning assets | $124,894,500 | 3,894 |
| Average equity | $15,723,250 | 3,730 |
| Average total loans | $40,744,000 | 5,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 5,267 |
| Cost of funding earning assets | 0.4500% | 3,328 |
| Net interest margin | 3.1072% | 5,231 |
| Noninterest income to average assets | 0.3899% | 4,312 |
| Noninterest expense to average assets | 1.9187% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0575% | 2,092 |
| Return on assets (ROA) | 1.0575% | 2,169 |
| Pretax return on assets | 1.2118% | 2,618 |
| Return on Equity (ROE) | 9.7456% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.7456% | 780 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2903% | 5,104 |
| Assets per employee ($millions) | 4.0490% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 625 |
| Loan loss allowance to noncurrent loans | 458.2609% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 3,024 |
| Noncurrent loans to loans | 0.5651% | 4,321 |
| Net loans and leases to total assets | 27.9752% | 6,364 |
| Net loans and leases to deposits | 32.2333% | 6,380 |
| Net loans and leases to core deposits | 36.2151% | 6,325 |
| Total domestic deposits to total assets | 86.7897% | 2,584 |
| Equity capital to assets | 11.4914% | 2,433 |
| Core capital (leverage) ratio | 10.8489% | 2,582 |
| Tier 1 risk-based capital ratio | 22.3979% | 1,206 |
| Total risk-based capital ratio | 23.6515% | 1,181 |
| Memoranda: | ||
| Average total assets | $142,599,670 | 3,807 |
| Average earning assets | $125,771,670 | 3,894 |
| Average equity | $15,473,670 | 3,774 |
| Average total loans | $41,126,000 | 5,225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 5,477 |
| Cost of funding earning assets | 0.4874% | 3,036 |
| Net interest margin | 2.9942% | 5,538 |
| Noninterest income to average assets | 0.3663% | 4,454 |
| Noninterest expense to average assets | 1.9547% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9508% | 2,402 |
| Return on assets (ROA) | 0.9508% | 2,473 |
| Pretax return on assets | 1.0570% | 3,098 |
| Return on Equity (ROE) | 9.0257% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.0257% | 1,241 |
| Net charge-offs to loans | -0.0097% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9025% | 4,710 |
| Assets per employee ($millions) | 4.0295% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5751% | 739 |
| Loan loss allowance to noncurrent loans | 460.6987% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 3,203 |
| Noncurrent loans to loans | 0.5589% | 4,488 |
| Net loans and leases to total assets | 28.3023% | 6,406 |
| Net loans and leases to deposits | 32.3290% | 6,430 |
| Net loans and leases to core deposits | 32.7890% | 6,440 |
| Total domestic deposits to total assets | 87.5446% | 2,485 |
| Equity capital to assets | 10.9125% | 2,806 |
| Core capital (leverage) ratio | 10.2182% | 3,265 |
| Tier 1 risk-based capital ratio | 22.1988% | 1,259 |
| Total risk-based capital ratio | 23.4536% | 1,241 |
| Memoranda: | ||
| Average total assets | $143,042,000 | 3,825 |
| Average earning assets | $126,376,000 | 3,919 |
| Average equity | $15,068,000 | 3,849 |
| Average total loans | $41,339,500 | 5,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 5,690 |
| Cost of funding earning assets | 0.4925% | 3,679 |
| Net interest margin | 2.9839% | 5,615 |
| Noninterest income to average assets | 0.4125% | 4,358 |
| Noninterest expense to average assets | 1.9250% | 6,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9882% | 2,378 |
| Return on assets (ROA) | 0.9888% | 2,443 |
| Pretax return on assets | 1.1186% | 2,890 |
| Return on Equity (ROE) | 9.0157% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,542 |
| Net charge-offs to loans | 0.0123% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 145 |
| Efficiency ratio | 63.2614% | 5,014 |
| Assets per employee ($millions) | 4.1444% | 3,545 |
| Cash dividends to net income (ytd only)* | 58.3516% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5270% | 804 |
| Loan loss allowance to noncurrent loans | 388.9299% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1479% | 3,102 |
| Noncurrent loans to loans | 0.6497% | 4,345 |
| Net loans and leases to total assets | 28.0277% | 6,525 |
| Net loans and leases to deposits | 31.7176% | 6,545 |
| Net loans and leases to core deposits | 32.8671% | 6,537 |
| Total domestic deposits to total assets | 88.3663% | 1,968 |
| Equity capital to assets | 10.1659% | 3,549 |
| Core capital (leverage) ratio | 10.1431% | 3,373 |
| Tier 1 risk-based capital ratio | 21.2624% | 1,374 |
| Total risk-based capital ratio | 22.5158% | 1,353 |
| Memoranda: | ||
| Average total assets | $138,652,800 | 3,908 |
| Average earning assets | $122,224,000 | 4,009 |
| Average equity | $15,206,800 | 3,828 |
| Average total loans | $40,804,400 | 5,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 5,753 |
| Cost of funding earning assets | 0.4986% | 3,779 |
| Net interest margin | 2.9704% | 5,664 |
| Noninterest income to average assets | 0.4018% | 4,525 |
| Noninterest expense to average assets | 1.9466% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9535% | 2,571 |
| Return on assets (ROA) | 0.9544% | 2,673 |
| Pretax return on assets | 1.0760% | 3,202 |
| Return on Equity (ROE) | 8.5365% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.7962% | 1,977 |
| Net charge-offs to loans | 0.0099% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 368.3250% | 160 |
| Efficiency ratio | 64.4237% | 4,734 |
| Assets per employee ($millions) | 3.7000% | 4,449 |
| Cash dividends to net income (ytd only)* | 20.3873% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 1,022 |
| Loan loss allowance to noncurrent loans | 728.2759% | 647 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 3,403 |
| Noncurrent loans to loans | 0.3329% | 5,389 |
| Net loans and leases to total assets | 31.0429% | 6,489 |
| Net loans and leases to deposits | 35.3567% | 6,533 |
| Net loans and leases to core deposits | 39.3376% | 6,468 |
| Total domestic deposits to total assets | 87.7992% | 2,249 |
| Equity capital to assets | 10.8553% | 2,912 |
| Core capital (leverage) ratio | 10.7099% | 2,778 |
| Tier 1 risk-based capital ratio | 21.6788% | 1,368 |
| Total risk-based capital ratio | 22.9335% | 1,345 |
| Memoranda: | ||
| Average total assets | $137,052,750 | 3,976 |
| Average earning assets | $120,878,750 | 4,080 |
| Average equity | $15,322,000 | 3,855 |
| Average total loans | $40,578,250 | 5,373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 5,724 |
| Cost of funding earning assets | 0.5019% | 3,877 |
| Net interest margin | 2.9851% | 5,597 |
| Noninterest income to average assets | 0.4026% | 4,506 |
| Noninterest expense to average assets | 1.9606% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9511% | 2,567 |
| Return on assets (ROA) | 0.9511% | 2,713 |
| Pretax return on assets | 1.0707% | 3,217 |
| Return on Equity (ROE) | 8.4261% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.8414% | 2,525 |
| Net charge-offs to loans | 0.0152% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 244.6667% | 213 |
| Efficiency ratio | 64.6776% | 4,758 |
| Assets per employee ($millions) | 4.0263% | 3,735 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5134% | 970 |
| Loan loss allowance to noncurrent loans | 872.7273% | 532 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 3,302 |
| Noncurrent loans to loans | 0.2880% | 5,582 |
| Net loans and leases to total assets | 29.9202% | 6,580 |
| Net loans and leases to deposits | 33.9213% | 6,612 |
| Net loans and leases to core deposits | 37.1628% | 6,566 |
| Total domestic deposits to total assets | 88.2047% | 2,108 |
| Equity capital to assets | 11.0816% | 2,675 |
| Core capital (leverage) ratio | 10.5281% | 2,847 |
| Tier 1 risk-based capital ratio | 21.4548% | 1,392 |
| Total risk-based capital ratio | 22.7088% | 1,366 |
| Memoranda: | ||
| Average total assets | $137,103,330 | 3,996 |
| Average earning assets | $120,731,330 | 4,110 |
| Average equity | $15,475,670 | 3,862 |
| Average total loans | $39,586,330 | 5,438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 5,811 |
| Cost of funding earning assets | 0.5104% | 3,967 |
| Net interest margin | 2.9500% | 5,708 |
| Noninterest income to average assets | 0.3965% | 4,482 |
| Noninterest expense to average assets | 1.9620% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9241% | 2,549 |
| Return on assets (ROA) | 0.9241% | 2,690 |
| Pretax return on assets | 1.0291% | 3,226 |
| Return on Equity (ROE) | 8.1134% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.1134% | 1,711 |
| Net charge-offs to loans | 0.0313% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 117.6667% | 330 |
| Efficiency ratio | 65.5945% | 4,730 |
| Assets per employee ($millions) | 3.8669% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7252% | 887 |
| Loan loss allowance to noncurrent loans | 858.5366% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 3,488 |
| Noncurrent loans to loans | 0.3174% | 5,605 |
| Net loans and leases to total assets | 27.8507% | 6,667 |
| Net loans and leases to deposits | 31.8833% | 6,692 |
| Net loans and leases to core deposits | 32.7242% | 6,700 |
| Total domestic deposits to total assets | 87.3521% | 2,724 |
| Equity capital to assets | 11.6105% | 2,321 |
| Core capital (leverage) ratio | 10.4175% | 2,886 |
| Tier 1 risk-based capital ratio | 22.8985% | 1,172 |
| Total risk-based capital ratio | 24.1544% | 1,150 |
| Memoranda: | ||
| Average total assets | $137,208,000 | 4,034 |
| Average earning assets | $120,678,000 | 4,139 |
| Average equity | $15,628,500 | 3,887 |
| Average total loans | $38,372,000 | 5,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 5,983 |
| Cost of funding earning assets | 0.6107% | 4,243 |
| Net interest margin | 3.1232% | 5,757 |
| Noninterest income to average assets | 0.4188% | 4,465 |
| Noninterest expense to average assets | 1.9598% | 6,394 |
| Loan and lease loss provision to assets | 0.0869% | 4,608 |
| Net operating income to assets | 0.9734% | 2,446 |
| Return on assets (ROA) | 1.0339% | 2,396 |
| Pretax return on assets | 1.1947% | 2,828 |
| Return on Equity (ROE) | 9.0593% | 2,614 |
| Retained earnings to average equity (ytd only) | 2.7108% | 4,328 |
| Net charge-offs to loans | 0.0704% | 4,976 |
| Credit loss provision to net charge-offs | 428.5714% | 559 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 597 |
| Efficiency ratio | 61.7862% | 5,269 |
| Assets per employee ($millions) | 3.7587% | 4,450 |
| Cash dividends to net income (ytd only)* | 70.0771% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7873% | 829 |
| Loan loss allowance to noncurrent loans | 92.8947% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.9414% | 2,521 |
| Noncurrent loans to loans | 3.0005% | 1,736 |
| Net loans and leases to total assets | 26.5580% | 6,796 |
| Net loans and leases to deposits | 30.4007% | 6,819 |
| Net loans and leases to core deposits | 30.8280% | 6,832 |
| Total domestic deposits to total assets | 87.3599% | 2,611 |
| Equity capital to assets | 11.1761% | 2,761 |
| Core capital (leverage) ratio | 10.2855% | 3,030 |
| Tier 1 risk-based capital ratio | 22.1399% | 1,238 |
| Total risk-based capital ratio | 23.3955% | 1,206 |
| Memoranda: | ||
| Average total assets | $138,025,600 | 3,990 |
| Average earning assets | $121,670,800 | 4,074 |
| Average equity | $15,751,800 | 3,818 |
| Average total loans | $39,746,200 | 5,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 6,104 |
| Cost of funding earning assets | 0.6289% | 4,375 |
| Net interest margin | 3.1337% | 5,856 |
| Noninterest income to average assets | 0.4045% | 4,602 |
| Noninterest expense to average assets | 1.9502% | 6,444 |
| Loan and lease loss provision to assets | 0.0968% | 4,363 |
| Net operating income to assets | 0.9634% | 2,690 |
| Return on assets (ROA) | 1.0423% | 2,526 |
| Pretax return on assets | 1.2233% | 2,900 |
| Return on Equity (ROE) | 9.0861% | 2,755 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,191 |
| Net charge-offs to loans | 0.0232% | 5,342 |
| Credit loss provision to net charge-offs | 1,428.5714% | 194 |
| Earnings coverage of net charge-offs (x) | 181.2026% | 251 |
| Efficiency ratio | 61.3768% | 5,247 |
| Assets per employee ($millions) | 3.7313% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5543% | 1,139 |
| Loan loss allowance to noncurrent loans | 88.8516% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.0495% | 2,584 |
| Noncurrent loans to loans | 2.8748% | 1,953 |
| Net loans and leases to total assets | 30.1053% | 6,814 |
| Net loans and leases to deposits | 35.1384% | 6,832 |
| Net loans and leases to core deposits | 37.7687% | 6,813 |
| Total domestic deposits to total assets | 85.6765% | 3,430 |
| Equity capital to assets | 12.2829% | 2,054 |
| Core capital (leverage) ratio | 10.6335% | 2,768 |
| Tier 1 risk-based capital ratio | 22.4642% | 1,255 |
| Total risk-based capital ratio | 23.7195% | 1,230 |
| Memoranda: | ||
| Average total assets | $137,763,750 | 4,030 |
| Average earning assets | $121,898,500 | 4,109 |
| Average equity | $15,804,000 | 3,847 |
| Average total loans | $40,184,250 | 5,567 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 6,288 |
| Cost of funding earning assets | 0.6469% | 4,470 |
| Net interest margin | 3.0819% | 6,056 |
| Noninterest income to average assets | 0.3887% | 4,735 |
| Noninterest expense to average assets | 1.9696% | 6,493 |
| Loan and lease loss provision to assets | 0.1008% | 4,268 |
| Net operating income to assets | 0.9125% | 2,850 |
| Return on assets (ROA) | 0.9776% | 2,794 |
| Pretax return on assets | 1.1230% | 3,218 |
| Return on Equity (ROE) | 8.7206% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.7206% | 1,366 |
| Net charge-offs to loans | 0.0352% | 4,894 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 379 |
| Efficiency ratio | 63.1579% | 5,058 |
| Assets per employee ($millions) | 3.5856% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5338% | 1,241 |
| Loan loss allowance to noncurrent loans | 92.9603% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 2,832 |
| Noncurrent loans to loans | 2.7256% | 2,206 |
| Net loans and leases to total assets | 29.0792% | 6,894 |
| Net loans and leases to deposits | 33.8190% | 6,927 |
| Net loans and leases to core deposits | 35.3939% | 6,926 |
| Total domestic deposits to total assets | 85.9848% | 3,360 |
| Equity capital to assets | 11.7114% | 2,400 |
| Core capital (leverage) ratio | 10.2497% | 3,097 |
| Tier 1 risk-based capital ratio | 18.7322% | 2,055 |
| Total risk-based capital ratio | 19.9835% | 2,017 |
| Memoranda: | ||
| Average total assets | $138,910,000 | 4,036 |
| Average earning assets | $123,040,670 | 4,099 |
| Average equity | $15,572,330 | 3,870 |
| Average total loans | $39,746,000 | 5,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7424% | 6,364 |
| Cost of funding earning assets | 0.6576% | 4,662 |
| Net interest margin | 3.0848% | 6,099 |
| Noninterest income to average assets | 0.3936% | 4,717 |
| Noninterest expense to average assets | 1.9937% | 6,471 |
| Loan and lease loss provision to assets | 0.1141% | 3,928 |
| Net operating income to assets | 0.8679% | 3,062 |
| Return on assets (ROA) | 0.9954% | 2,689 |
| Pretax return on assets | 1.1637% | 3,053 |
| Return on Equity (ROE) | 9.0767% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.0767% | 1,563 |
| Net charge-offs to loans | 0.0305% | 4,260 |
| Credit loss provision to net charge-offs | 1,333.3333% | 261 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 268 |
| Efficiency ratio | 63.8356% | 4,950 |
| Assets per employee ($millions) | 3.8136% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5551% | 1,281 |
| Loan loss allowance to noncurrent loans | 83.9465% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 2,888 |
| Noncurrent loans to loans | 3.0437% | 2,123 |
| Net loans and leases to total assets | 27.8897% | 6,983 |
| Net loans and leases to deposits | 32.2198% | 7,006 |
| Net loans and leases to core deposits | 32.6905% | 7,020 |
| Total domestic deposits to total assets | 86.5607% | 3,201 |
| Equity capital to assets | 11.2622% | 2,667 |
| Core capital (leverage) ratio | 9.7863% | 3,663 |
| Tier 1 risk-based capital ratio | 18.4162% | 2,168 |
| Total risk-based capital ratio | 19.6670% | 2,138 |
| Memoranda: | ||
| Average total assets | $140,239,000 | 4,027 |
| Average earning assets | $124,091,500 | 4,109 |
| Average equity | $15,380,000 | 3,916 |
| Average total loans | $39,293,500 | 5,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 5,893 |
| Cost of funding earning assets | 0.7370% | 5,294 |
| Net interest margin | 3.5207% | 5,066 |
| Noninterest income to average assets | 0.3985% | 4,627 |
| Noninterest expense to average assets | 1.9580% | 6,750 |
| Loan and lease loss provision to assets | 0.0383% | 6,092 |
| Net operating income to assets | 1.2553% | 1,365 |
| Return on assets (ROA) | 1.2553% | 1,462 |
| Pretax return on assets | 1.5580% | 1,315 |
| Return on Equity (ROE) | 11.2752% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.1451% | 1,432 |
| Net charge-offs to loans | 0.0632% | 5,667 |
| Credit loss provision to net charge-offs | 185.1852% | 1,395 |
| Earnings coverage of net charge-offs (x) | 77.1481% | 383 |
| Efficiency ratio | 55.0884% | 6,409 |
| Assets per employee ($millions) | 3.7681% | 4,391 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4610% | 1,372 |
| Loan loss allowance to noncurrent loans | 81.3973% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9199% | 3,080 |
| Noncurrent loans to loans | 3.0234% | 2,150 |
| Net loans and leases to total assets | 26.7664% | 7,098 |
| Net loans and leases to deposits | 30.7107% | 7,118 |
| Net loans and leases to core deposits | 32.2642% | 7,110 |
| Total domestic deposits to total assets | 87.1567% | 2,665 |
| Equity capital to assets | 10.6839% | 3,318 |
| Core capital (leverage) ratio | 9.5941% | 3,883 |
| Tier 1 risk-based capital ratio | 18.0261% | 2,179 |
| Total risk-based capital ratio | 19.2774% | 2,156 |
| Memoranda: | ||
| Average total assets | $130,488,400 | 4,160 |
| Average earning assets | $116,965,400 | 4,209 |
| Average equity | $14,527,400 | 4,005 |
| Average total loans | $42,736,600 | 5,571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 5,694 |
| Cost of funding earning assets | 0.7667% | 5,355 |
| Net interest margin | 3.6066% | 4,742 |
| Noninterest income to average assets | 0.4084% | 4,607 |
| Noninterest expense to average assets | 1.9688% | 6,755 |
| Loan and lease loss provision to assets | 0.0209% | 6,180 |
| Net operating income to assets | 1.3174% | 1,332 |
| Return on assets (ROA) | 1.3174% | 1,420 |
| Pretax return on assets | 1.6651% | 1,215 |
| Return on Equity (ROE) | 11.7009% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.7009% | 530 |
| Net charge-offs to loans | 0.0795% | 5,180 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 61.9155% | 536 |
| Efficiency ratio | 53.8682% | 6,502 |
| Assets per employee ($millions) | 3.6208% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 2,084 |
| Loan loss allowance to noncurrent loans | 406.0606% | 790 |
| Noncurrent assets plus other real estate owned to assets | 1.3376% | 4,134 |
| Noncurrent loans to loans | 0.5151% | 5,818 |
| Net loans and leases to total assets | 32.7740% | 7,002 |
| Net loans and leases to deposits | 38.0836% | 7,032 |
| Net loans and leases to core deposits | 42.5245% | 6,971 |
| Total domestic deposits to total assets | 86.0580% | 3,189 |
| Equity capital to assets | 11.6146% | 2,571 |
| Core capital (leverage) ratio | 10.2230% | 3,169 |
| Tier 1 risk-based capital ratio | 17.7592% | 2,347 |
| Total risk-based capital ratio | 19.0036% | 2,319 |
| Memoranda: | ||
| Average total assets | $127,313,750 | 4,247 |
| Average earning assets | $114,602,250 | 4,292 |
| Average equity | $14,334,750 | 4,071 |
| Average total loans | $43,597,500 | 5,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 5,830 |
| Cost of funding earning assets | 0.7961% | 5,395 |
| Net interest margin | 3.5614% | 4,875 |
| Noninterest income to average assets | 0.4093% | 4,606 |
| Noninterest expense to average assets | 2.0257% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2918% | 1,341 |
| Return on assets (ROA) | 1.2918% | 1,412 |
| Pretax return on assets | 1.6164% | 1,234 |
| Return on Equity (ROE) | 11.6039% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.6039% | 577 |
| Net charge-offs to loans | 0.0556% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 84.2500% | 412 |
| Efficiency ratio | 55.6190% | 6,453 |
| Assets per employee ($millions) | 3.6832% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 2,332 |
| Loan loss allowance to noncurrent loans | 394.9153% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,641 |
| Noncurrent loans to loans | 0.5097% | 5,880 |
| Net loans and leases to total assets | 35.1933% | 7,000 |
| Net loans and leases to deposits | 40.2010% | 7,059 |
| Net loans and leases to core deposits | 43.9119% | 7,008 |
| Total domestic deposits to total assets | 87.5433% | 2,446 |
| Equity capital to assets | 11.4156% | 2,583 |
| Core capital (leverage) ratio | 10.3850% | 2,848 |
| Tier 1 risk-based capital ratio | 17.6600% | 2,281 |
| Total risk-based capital ratio | 18.9104% | 2,250 |
| Memoranda: | ||
| Average total assets | $125,095,330 | 4,320 |
| Average earning assets | $113,550,330 | 4,345 |
| Average equity | $13,926,330 | 4,136 |
| Average total loans | $43,181,670 | 5,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 5,874 |
| Cost of funding earning assets | 0.8612% | 5,202 |
| Net interest margin | 3.4844% | 5,081 |
| Noninterest income to average assets | 0.4156% | 4,582 |
| Noninterest expense to average assets | 2.0879% | 6,667 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2112% | 1,501 |
| Return on assets (ROA) | 1.2112% | 1,552 |
| Pretax return on assets | 1.4677% | 1,545 |
| Return on Equity (ROE) | 11.0261% | 1,736 |
| Retained earnings to average equity (ytd only) | 11.0261% | 901 |
| Net charge-offs to loans | -0.0096% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7215% | 6,170 |
| Assets per employee ($millions) | 3.4362% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 1,796 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 6,426 |
| Noncurrent loans to loans | 0.8692% | 5,300 |
| Net loans and leases to total assets | 32.7176% | 7,140 |
| Net loans and leases to deposits | 37.1947% | 7,190 |
| Net loans and leases to core deposits | 38.0135% | 7,219 |
| Total domestic deposits to total assets | 87.9632% | 2,391 |
| Equity capital to assets | 11.1928% | 2,507 |
| Core capital (leverage) ratio | 10.1360% | 2,991 |
| Tier 1 risk-based capital ratio | 18.3134% | 2,014 |
| Total risk-based capital ratio | 19.5644% | 1,970 |
| Memoranda: | ||
| Average total assets | $123,187,500 | 4,389 |
| Average earning assets | $111,010,500 | 4,439 |
| Average equity | $13,531,500 | 4,211 |
| Average total loans | $41,622,500 | 5,779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 5,252 |
| Cost of funding earning assets | 1.1103% | 5,083 |
| Net interest margin | 3.7350% | 4,205 |
| Noninterest income to average assets | 0.4079% | 4,842 |
| Noninterest expense to average assets | 2.0831% | 6,883 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2922% | 1,195 |
| Return on assets (ROA) | 1.3651% | 1,095 |
| Pretax return on assets | 1.7435% | 867 |
| Return on Equity (ROE) | 11.6291% | 1,412 |
| Retained earnings to average equity (ytd only) | 1.5793% | 4,737 |
| Net charge-offs to loans | 0.1262% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 34.9643% | 650 |
| Efficiency ratio | 55.8014% | 6,621 |
| Assets per employee ($millions) | 3.4075% | 5,155 |
| Cash dividends to net income (ytd only)* | 86.4198% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2569% | 1,761 |
| Loan loss allowance to noncurrent loans | 530.3371% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 6,824 |
| Noncurrent loans to loans | 0.4256% | 6,196 |
| Net loans and leases to total assets | 33.3274% | 7,250 |
| Net loans and leases to deposits | 37.6875% | 7,308 |
| Net loans and leases to core deposits | 38.4141% | 7,341 |
| Total domestic deposits to total assets | 88.4308% | 1,996 |
| Equity capital to assets | 10.7743% | 2,879 |
| Core capital (leverage) ratio | 9.8915% | 3,220 |
| Tier 1 risk-based capital ratio | 17.8135% | 2,062 |
| Total risk-based capital ratio | 19.0648% | 2,020 |
| Memoranda: | ||
| Average total assets | $118,670,400 | 4,504 |
| Average earning assets | $105,650,000 | 4,574 |
| Average equity | $13,930,600 | 4,158 |
| Average total loans | $44,381,000 | 5,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 4,944 |
| Cost of funding earning assets | 1.1438% | 5,184 |
| Net interest margin | 3.8270% | 3,859 |
| Noninterest income to average assets | 0.3898% | 5,042 |
| Noninterest expense to average assets | 2.0837% | 6,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3007% | 1,339 |
| Return on assets (ROA) | 1.3937% | 1,194 |
| Pretax return on assets | 1.8254% | 883 |
| Return on Equity (ROE) | 11.6235% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.6235% | 509 |
| Net charge-offs to loans | 0.0444% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 100.1975% | 305 |
| Efficiency ratio | 55.0269% | 6,679 |
| Assets per employee ($millions) | 3.3809% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 1,911 |
| Loan loss allowance to noncurrent loans | 529.5699% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,964 |
| Noncurrent loans to loans | 0.4036% | 6,392 |
| Net loans and leases to total assets | 38.1177% | 7,179 |
| Net loans and leases to deposits | 44.1868% | 7,231 |
| Net loans and leases to core deposits | 46.3619% | 7,259 |
| Total domestic deposits to total assets | 86.2648% | 2,938 |
| Equity capital to assets | 12.5360% | 1,836 |
| Core capital (leverage) ratio | 11.2069% | 2,123 |
| Tier 1 risk-based capital ratio | 18.7997% | 1,795 |
| Total risk-based capital ratio | 20.0518% | 1,764 |
| Memoranda: | ||
| Average total assets | $117,670,250 | 4,590 |
| Average earning assets | $104,448,000 | 4,654 |
| Average equity | $14,109,000 | 4,182 |
| Average total loans | $45,019,500 | 5,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 5,189 |
| Cost of funding earning assets | 1.1595% | 5,348 |
| Net interest margin | 3.7881% | 3,945 |
| Noninterest income to average assets | 0.3865% | 5,022 |
| Noninterest expense to average assets | 2.0911% | 6,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2564% | 1,411 |
| Return on assets (ROA) | 1.3418% | 1,279 |
| Pretax return on assets | 1.7625% | 945 |
| Return on Equity (ROE) | 11.3648% | 1,633 |
| Retained earnings to average equity (ytd only) | 11.3648% | 584 |
| Net charge-offs to loans | 0.0582% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 74.5385% | 423 |
| Efficiency ratio | 55.8944% | 6,647 |
| Assets per employee ($millions) | 3.2864% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 1,778 |
| Loan loss allowance to noncurrent loans | 1,827.7778% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 7,275 |
| Noncurrent loans to loans | 0.1198% | 7,031 |
| Net loans and leases to total assets | 37.2648% | 7,303 |
| Net loans and leases to deposits | 42.9565% | 7,357 |
| Net loans and leases to core deposits | 45.1953% | 7,378 |
| Total domestic deposits to total assets | 86.7501% | 2,677 |
| Equity capital to assets | 12.1334% | 2,023 |
| Core capital (leverage) ratio | 10.8947% | 2,329 |
| Tier 1 risk-based capital ratio | 18.7461% | 1,778 |
| Total risk-based capital ratio | 19.9982% | 1,751 |
| Memoranda: | ||
| Average total assets | $117,450,000 | 4,627 |
| Average earning assets | $104,009,330 | 4,695 |
| Average equity | $13,867,330 | 4,226 |
| Average total loans | $44,662,670 | 5,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 4,883 |
| Cost of funding earning assets | 1.1699% | 5,554 |
| Net interest margin | 3.8596% | 3,510 |
| Noninterest income to average assets | 0.3863% | 5,029 |
| Noninterest expense to average assets | 2.1125% | 6,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2425% | 1,422 |
| Return on assets (ROA) | 1.4117% | 1,118 |
| Pretax return on assets | 1.8937% | 738 |
| Return on Equity (ROE) | 12.1261% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.1261% | 726 |
| Net charge-offs to loans | -0.0180% | 7,047 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8770% | 6,783 |
| Assets per employee ($millions) | 3.3766% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 1,575 |
| Loan loss allowance to noncurrent loans | 1,165.1163% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,304 |
| Noncurrent loans to loans | 0.1977% | 6,948 |
| Net loans and leases to total assets | 37.0231% | 7,389 |
| Net loans and leases to deposits | 42.6661% | 7,440 |
| Net loans and leases to core deposits | 44.3438% | 7,474 |
| Total domestic deposits to total assets | 86.7740% | 2,751 |
| Equity capital to assets | 12.0701% | 2,004 |
| Core capital (leverage) ratio | 10.7595% | 2,405 |
| Tier 1 risk-based capital ratio | 19.3842% | 1,642 |
| Total risk-based capital ratio | 20.6381% | 1,617 |
| Memoranda: | ||
| Average total assets | $117,020,000 | 4,693 |
| Average earning assets | $102,911,000 | 4,785 |
| Average equity | $13,623,500 | 4,324 |
| Average total loans | $44,456,500 | 5,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 4,632 |
| Cost of funding earning assets | 1.3589% | 6,097 |
| Net interest margin | 4.0542% | 2,633 |
| Noninterest income to average assets | 0.4351% | 4,914 |
| Noninterest expense to average assets | 2.0650% | 7,255 |
| Loan and lease loss provision to assets | 0.0868% | 6,743 |
| Net operating income to assets | 1.4073% | 837 |
| Return on assets (ROA) | 1.4780% | 767 |
| Pretax return on assets | 1.9930% | 408 |
| Return on Equity (ROE) | 13.0893% | 939 |
| Retained earnings to average equity (ytd only) | 3.4761% | 2,737 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9972% | 7,474 |
| Assets per employee ($millions) | 3.4067% | 5,239 |
| Cash dividends to net income (ytd only)* | 73.4430% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,265.8228% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 7,331 |
| Noncurrent loans to loans | 0.1740% | 6,986 |
| Net loans and leases to total assets | 37.2429% | 7,472 |
| Net loans and leases to deposits | 42.5004% | 7,557 |
| Net loans and leases to core deposits | 50.4946% | 7,576 |
| Total domestic deposits to total assets | 87.6296% | 2,155 |
| Equity capital to assets | 11.2298% | 2,512 |
| Core capital (leverage) ratio | 10.2309% | 2,848 |
| Tier 1 risk-based capital ratio | 18.0775% | 1,872 |
| Total risk-based capital ratio | 19.3314% | 1,831 |
| Memoranda: | ||
| Average total assets | $115,155,200 | 4,695 |
| Average earning assets | $102,659,000 | 4,771 |
| Average equity | $13,003,000 | 4,510 |
| Average total loans | $46,005,200 | 5,835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 4,765 |
| Cost of funding earning assets | 1.4088% | 6,196 |
| Net interest margin | 4.0270% | 2,694 |
| Noninterest income to average assets | 0.4591% | 4,828 |
| Noninterest expense to average assets | 2.1366% | 7,118 |
| Loan and lease loss provision to assets | 0.1051% | 6,325 |
| Net operating income to assets | 1.3525% | 1,117 |
| Return on assets (ROA) | 1.4415% | 996 |
| Pretax return on assets | 1.9474% | 595 |
| Return on Equity (ROE) | 12.7480% | 1,159 |
| Retained earnings to average equity (ytd only) | 5.0001% | 2,492 |
| Net charge-offs to loans | -0.0058% | 7,638 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5122% | 7,372 |
| Assets per employee ($millions) | 3.4579% | 5,033 |
| Cash dividends to net income (ytd only)* | 60.7783% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 1,645 |
| Loan loss allowance to noncurrent loans | 800.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 7,279 |
| Noncurrent loans to loans | 0.2589% | 6,863 |
| Net loans and leases to total assets | 41.0998% | 7,403 |
| Net loans and leases to deposits | 49.3056% | 7,443 |
| Net loans and leases to core deposits | 59.7744% | 7,406 |
| Total domestic deposits to total assets | 83.3573% | 4,038 |
| Equity capital to assets | 11.8149% | 2,345 |
| Core capital (leverage) ratio | 10.5400% | 2,760 |
| Tier 1 risk-based capital ratio | 18.0118% | 1,987 |
| Total risk-based capital ratio | 19.2653% | 1,933 |
| Memoranda: | ||
| Average total assets | $114,135,000 | 4,741 |
| Average earning assets | $102,307,250 | 4,814 |
| Average equity | $12,906,250 | 4,564 |
| Average total loans | $46,154,750 | 5,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 4,805 |
| Cost of funding earning assets | 1.4764% | 6,236 |
| Net interest margin | 3.9901% | 2,738 |
| Noninterest income to average assets | 0.4468% | 4,878 |
| Noninterest expense to average assets | 2.0956% | 7,286 |
| Loan and lease loss provision to assets | 0.1051% | 6,107 |
| Net operating income to assets | 1.3527% | 1,121 |
| Return on assets (ROA) | 1.3947% | 1,105 |
| Pretax return on assets | 1.8678% | 745 |
| Return on Equity (ROE) | 12.5213% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.5213% | 376 |
| Net charge-offs to loans | -0.0044% | 7,517 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2271% | 7,500 |
| Assets per employee ($millions) | 3.5107% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 1,421 |
| Loan loss allowance to noncurrent loans | 546.0227% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 7,182 |
| Noncurrent loans to loans | 0.3820% | 6,553 |
| Net loans and leases to total assets | 38.9402% | 7,598 |
| Net loans and leases to deposits | 46.3944% | 7,622 |
| Net loans and leases to core deposits | 55.3289% | 7,619 |
| Total domestic deposits to total assets | 83.9329% | 3,809 |
| Equity capital to assets | 11.3628% | 2,624 |
| Core capital (leverage) ratio | 10.8124% | 2,559 |
| Tier 1 risk-based capital ratio | 18.5771% | 1,865 |
| Total risk-based capital ratio | 19.8296% | 1,818 |
| Memoranda: | ||
| Average total assets | $114,143,330 | 4,771 |
| Average earning assets | $102,003,330 | 4,841 |
| Average equity | $12,714,330 | 4,622 |
| Average total loans | $45,576,000 | 5,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 4,592 |
| Cost of funding earning assets | 1.5793% | 6,119 |
| Net interest margin | 3.9797% | 2,727 |
| Noninterest income to average assets | 0.4484% | 4,787 |
| Noninterest expense to average assets | 2.0126% | 7,323 |
| Loan and lease loss provision to assets | 0.1059% | 5,614 |
| Net operating income to assets | 1.3958% | 1,147 |
| Return on assets (ROA) | 1.4794% | 1,051 |
| Pretax return on assets | 2.0020% | 667 |
| Return on Equity (ROE) | 13.4193% | 1,287 |
| Retained earnings to average equity (ytd only) | 13.4193% | 578 |
| Net charge-offs to loans | -0.0088% | 7,260 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2203% | 7,577 |
| Assets per employee ($millions) | 3.4203% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 1,267 |
| Loan loss allowance to noncurrent loans | 3,210.3448% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 7,550 |
| Noncurrent loans to loans | 0.0649% | 7,342 |
| Net loans and leases to total assets | 38.7921% | 7,627 |
| Net loans and leases to deposits | 44.1572% | 7,719 |
| Net loans and leases to core deposits | 54.0896% | 7,677 |
| Total domestic deposits to total assets | 87.8498% | 1,821 |
| Equity capital to assets | 11.3324% | 2,699 |
| Core capital (leverage) ratio | 10.4806% | 2,951 |
| Tier 1 risk-based capital ratio | 18.5211% | 1,927 |
| Total risk-based capital ratio | 19.7735% | 1,886 |
| Memoranda: | ||
| Average total assets | $113,289,000 | 4,819 |
| Average earning assets | $101,313,000 | 4,881 |
| Average equity | $12,489,500 | 4,711 |
| Average total loans | $45,327,000 | 5,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7617% | 6,554 |
| Cost of funding earning assets | 2.2512% | 5,363 |
| Net interest margin | 3.5105% | 5,265 |
| Noninterest income to average assets | 0.5159% | 4,503 |
| Noninterest expense to average assets | 2.0105% | 7,418 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3076% | 1,467 |
| Return on assets (ROA) | 1.3244% | 1,367 |
| Pretax return on assets | 1.7071% | 1,127 |
| Return on Equity (ROE) | 12.3911% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.8099% | 2,139 |
| Net charge-offs to loans | -0.0064% | 7,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3971% | 7,232 |
| Assets per employee ($millions) | 3.2488% | 5,334 |
| Cash dividends to net income (ytd only)* | 61.1829% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,422 |
| Noncurrent loans to loans | 0.1045% | 7,101 |
| Net loans and leases to total assets | 39.6088% | 7,692 |
| Net loans and leases to deposits | 44.7427% | 7,827 |
| Net loans and leases to core deposits | 53.6243% | 7,812 |
| Total domestic deposits to total assets | 88.5258% | 1,235 |
| Equity capital to assets | 10.7188% | 3,281 |
| Core capital (leverage) ratio | 10.1839% | 3,286 |
| Tier 1 risk-based capital ratio | 17.4546% | 2,193 |
| Total risk-based capital ratio | 18.7055% | 2,131 |
| Memoranda: | ||
| Average total assets | $111,067,200 | 4,749 |
| Average earning assets | $100,612,600 | 4,790 |
| Average equity | $11,871,400 | 4,861 |
| Average total loans | $46,558,600 | 5,847 |