Home > Bank of Grandin > Performance and Condition Ratios
Bank of Grandin, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 965 |
| Cost of funding earning assets | 2.6470% | 660 |
| Net interest margin | 3.5356% | 2,222 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.0559% | 3,440 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.4975% | 1,099 |
| Return on assets (ROA) | 1.4975% | 1,098 |
| Pretax return on assets | 1.4975% | 1,517 |
| Return on Equity (ROE) | 10.7200% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.2115% | 2,218 |
| Net charge-offs to loans | -0.2054% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.5835% | 3,348 |
| Assets per employee ($millions) | 6.8627% | 2,316 |
| Cash dividends to net income (ytd only)* | 42.0428% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,197 |
| Loan loss allowance to noncurrent loans | 32.8513% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9358% | 249 |
| Noncurrent loans to loans | 3.0607% | 217 |
| Net loans and leases to total assets | 59.2600% | 2,942 |
| Net loans and leases to deposits | 69.3763% | 2,903 |
| Net loans and leases to core deposits | 80.8512% | 2,635 |
| Total domestic deposits to total assets | 85.4100% | 2,512 |
| Equity capital to assets | 14.0046% | 698 |
| Core capital (leverage) ratio | 14.2696% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $224,911,500 | 2,868 |
| Average earning assets | $214,277,000 | 2,827 |
| Average equity | $31,425,500 | 2,365 |
| Average total loans | $132,428,500 | 2,918 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 1,484 |
| Cost of funding earning assets | 2.9246% | 570 |
| Net interest margin | 2.9415% | 3,249 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.0036% | 3,599 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.0101% | 2,019 |
| Return on assets (ROA) | 1.0101% | 2,020 |
| Pretax return on assets | 1.0101% | 2,504 |
| Return on Equity (ROE) | 7.2200% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.3721% | 2,886 |
| Net charge-offs to loans | 0.1794% | 767 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 2,228 |
| Efficiency ratio | 64.3573% | 2,693 |
| Assets per employee ($millions) | 6.7683% | 2,319 |
| Cash dividends to net income (ytd only)* | 53.2940% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,391 |
| Loan loss allowance to noncurrent loans | 39.5319% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 381 |
| Noncurrent loans to loans | 2.4455% | 283 |
| Net loans and leases to total assets | 57.3300% | 3,164 |
| Net loans and leases to deposits | 67.0717% | 3,130 |
| Net loans and leases to core deposits | 77.4453% | 2,947 |
| Total domestic deposits to total assets | 85.4800% | 2,377 |
| Equity capital to assets | 13.9398% | 691 |
| Core capital (leverage) ratio | 14.1392% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $217,909,800 | 2,885 |
| Average earning assets | $207,136,600 | 2,842 |
| Average equity | $30,485,600 | 2,359 |
| Average total loans | $120,926,200 | 2,987 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8161% | 1,531 |
| Cost of funding earning assets | 2.9385% | 562 |
| Net interest margin | 2.8776% | 3,320 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.0411% | 3,466 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.9346% | 2,265 |
| Return on assets (ROA) | 0.9346% | 2,280 |
| Pretax return on assets | 0.9346% | 2,729 |
| Return on Equity (ROE) | 6.6700% | 3,127 |
| Retained earnings to average equity (ytd only) | 2.7965% | 3,246 |
| Net charge-offs to loans | 0.1144% | 899 |
| Credit loss provision to net charge-offs | 132.3529% | 1,399 |
| Earnings coverage of net charge-offs (x) | 16.2059% | 1,892 |
| Efficiency ratio | 66.7271% | 2,396 |
| Assets per employee ($millions) | 6.7142% | 2,338 |
| Cash dividends to net income (ytd only)* | 58.1028% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,142 |
| Loan loss allowance to noncurrent loans | 48.1607% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 419 |
| Noncurrent loans to loans | 2.1190% | 355 |
| Net loans and leases to total assets | 56.1600% | 3,250 |
| Net loans and leases to deposits | 65.8148% | 3,256 |
| Net loans and leases to core deposits | 76.3702% | 3,045 |
| Total domestic deposits to total assets | 85.3300% | 2,191 |
| Equity capital to assets | 13.9005% | 757 |
| Core capital (leverage) ratio | 14.2582% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $216,548,750 | 2,889 |
| Average earning assets | $205,813,750 | 2,847 |
| Average equity | $30,323,250 | 2,365 |
| Average total loans | $118,833,250 | 2,999 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8325% | 1,409 |
| Cost of funding earning assets | 2.8991% | 547 |
| Net interest margin | 2.9334% | 3,188 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 1.9816% | 3,597 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.0369% | 1,875 |
| Return on assets (ROA) | 1.0369% | 1,886 |
| Pretax return on assets | 1.0369% | 2,371 |
| Return on Equity (ROE) | 7.3900% | 2,908 |
| Retained earnings to average equity (ytd only) | 3.5273% | 2,880 |
| Net charge-offs to loans | 0.1716% | 612 |
| Credit loss provision to net charge-offs | 90.0000% | 1,583 |
| Earnings coverage of net charge-offs (x) | 12.0400% | 1,908 |
| Efficiency ratio | 63.8764% | 2,792 |
| Assets per employee ($millions) | 6.5594% | 2,363 |
| Cash dividends to net income (ytd only)* | 52.2442% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,191 |
| Loan loss allowance to noncurrent loans | 195.5836% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 1,492 |
| Noncurrent loans to loans | 0.5200% | 1,706 |
| Net loans and leases to total assets | 55.7500% | 3,284 |
| Net loans and leases to deposits | 65.4126% | 3,288 |
| Net loans and leases to core deposits | 74.9947% | 3,101 |
| Total domestic deposits to total assets | 85.2300% | 2,251 |
| Equity capital to assets | 14.0817% | 663 |
| Core capital (leverage) ratio | 14.4909% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $214,875,667 | 2,903 |
| Average earning assets | $203,857,000 | 2,860 |
| Average equity | $30,164,667 | 2,343 |
| Average total loans | $116,538,000 | 3,026 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7644% | 1,379 |
| Cost of funding earning assets | 2.8586% | 544 |
| Net interest margin | 2.9058% | 3,184 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 1.9787% | 3,632 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.9996% | 1,935 |
| Return on assets (ROA) | 0.9996% | 1,943 |
| Pretax return on assets | 0.9996% | 2,376 |
| Return on Equity (ROE) | 7.1300% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.3726% | 2,879 |
| Net charge-offs to loans | 0.1651% | 519 |
| Credit loss provision to net charge-offs | 95.7447% | 1,195 |
| Earnings coverage of net charge-offs (x) | 12.3404% | 1,554 |
| Efficiency ratio | 64.6126% | 2,740 |
| Assets per employee ($millions) | 5.9336% | 2,898 |
| Cash dividends to net income (ytd only)* | 52.7103% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 2,970 |
| Loan loss allowance to noncurrent loans | 111.2299% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 1,031 |
| Noncurrent loans to loans | 0.9587% | 904 |
| Net loans and leases to total assets | 54.2000% | 3,323 |
| Net loans and leases to deposits | 63.5557% | 3,326 |
| Net loans and leases to core deposits | 71.8589% | 3,229 |
| Total domestic deposits to total assets | 85.2800% | 2,332 |
| Equity capital to assets | 14.1043% | 664 |
| Core capital (leverage) ratio | 14.4165% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $214,084,000 | 2,911 |
| Average earning assets | $203,040,000 | 2,874 |
| Average equity | $30,006,500 | 2,354 |
| Average total loans | $113,848,500 | 3,067 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,773 |
| Cost of funding earning assets | 2.4372% | 418 |
| Net interest margin | 2.7026% | 3,816 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.1339% | 3,313 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6059% | 3,431 |
| Return on assets (ROA) | 0.6059% | 3,419 |
| Pretax return on assets | 0.6059% | 3,621 |
| Return on Equity (ROE) | 4.2800% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.2924% | 3,761 |
| Net charge-offs to loans | 0.2272% | 480 |
| Credit loss provision to net charge-offs | 94.2387% | 1,909 |
| Earnings coverage of net charge-offs (x) | 6.1975% | 2,487 |
| Efficiency ratio | 74.7061% | 1,378 |
| Assets per employee ($millions) | 5.9600% | 2,856 |
| Cash dividends to net income (ytd only)* | 69.8337% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,664 |
| Loan loss allowance to noncurrent loans | 185.4599% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 1,333 |
| Noncurrent loans to loans | 0.6090% | 1,296 |
| Net loans and leases to total assets | 51.0000% | 3,540 |
| Net loans and leases to deposits | 59.5963% | 3,550 |
| Net loans and leases to core deposits | 67.3775% | 3,439 |
| Total domestic deposits to total assets | 85.5700% | 2,142 |
| Equity capital to assets | 13.9286% | 695 |
| Core capital (leverage) ratio | 14.4734% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,443,400 | 2,928 |
| Average earning assets | $197,033,200 | 2,896 |
| Average equity | $29,481,000 | 2,289 |
| Average total loans | $106,962,600 | 3,107 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 1,774 |
| Cost of funding earning assets | 2.3267% | 386 |
| Net interest margin | 2.7030% | 3,876 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1516% | 3,209 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.5754% | 3,614 |
| Return on assets (ROA) | 0.5754% | 3,597 |
| Pretax return on assets | 0.5754% | 3,780 |
| Return on Equity (ROE) | 4.0500% | 3,973 |
| Retained earnings to average equity (ytd only) | 1.0438% | 3,943 |
| Net charge-offs to loans | 0.2188% | 403 |
| Credit loss provision to net charge-offs | 95.4023% | 1,661 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,310 |
| Efficiency ratio | 75.6800% | 1,203 |
| Assets per employee ($millions) | 6.0101% | 2,750 |
| Cash dividends to net income (ytd only)* | 74.2441% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,475 |
| Loan loss allowance to noncurrent loans | 171.3506% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 1,266 |
| Noncurrent loans to loans | 0.6889% | 1,197 |
| Net loans and leases to total assets | 49.9900% | 3,617 |
| Net loans and leases to deposits | 58.5545% | 3,578 |
| Net loans and leases to core deposits | 65.5911% | 3,452 |
| Total domestic deposits to total assets | 85.3700% | 2,392 |
| Equity capital to assets | 14.0045% | 651 |
| Core capital (leverage) ratio | 14.4272% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $206,914,500 | 2,948 |
| Average earning assets | $195,580,000 | 2,914 |
| Average equity | $29,380,000 | 2,279 |
| Average total loans | $106,036,500 | 3,113 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 1,874 |
| Cost of funding earning assets | 2.1660% | 362 |
| Net interest margin | 2.6885% | 3,989 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1101% | 3,319 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.5939% | 3,585 |
| Return on assets (ROA) | 0.5939% | 3,593 |
| Pretax return on assets | 0.5939% | 3,814 |
| Return on Equity (ROE) | 4.1600% | 4,007 |
| Retained earnings to average equity (ytd only) | 1.2196% | 3,872 |
| Net charge-offs to loans | 0.2493% | 332 |
| Credit loss provision to net charge-offs | 91.6667% | 1,497 |
| Earnings coverage of net charge-offs (x) | 5.6515% | 2,160 |
| Efficiency ratio | 74.4258% | 1,307 |
| Assets per employee ($millions) | 6.0285% | 2,687 |
| Cash dividends to net income (ytd only)* | 70.7038% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,653 |
| Loan loss allowance to noncurrent loans | 201.7713% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 1,668 |
| Noncurrent loans to loans | 0.5754% | 1,300 |
| Net loans and leases to total assets | 50.5500% | 3,520 |
| Net loans and leases to deposits | 59.1217% | 3,475 |
| Net loans and leases to core deposits | 65.7381% | 3,360 |
| Total domestic deposits to total assets | 85.5100% | 2,389 |
| Equity capital to assets | 13.9632% | 651 |
| Core capital (leverage) ratio | 14.5621% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,768,000 | 2,962 |
| Average earning assets | $194,461,333 | 2,934 |
| Average equity | $29,353,667 | 2,289 |
| Average total loans | $105,913,000 | 3,111 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 1,858 |
| Cost of funding earning assets | 1.9862% | 305 |
| Net interest margin | 2.7109% | 4,059 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.1206% | 3,330 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.5651% | 3,760 |
| Return on assets (ROA) | 0.5651% | 3,728 |
| Pretax return on assets | 0.5651% | 3,896 |
| Return on Equity (ROE) | 3.9200% | 4,048 |
| Retained earnings to average equity (ytd only) | 0.3958% | 3,961 |
| Net charge-offs to loans | 0.2669% | 285 |
| Credit loss provision to net charge-offs | 107.1429% | 1,076 |
| Earnings coverage of net charge-offs (x) | 5.1714% | 1,826 |
| Efficiency ratio | 74.8436% | 1,258 |
| Assets per employee ($millions) | 5.9482% | 2,807 |
| Cash dividends to net income (ytd only)* | 89.8955% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,693 |
| Loan loss allowance to noncurrent loans | 95.3647% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 742 |
| Noncurrent loans to loans | 1.2320% | 557 |
| Net loans and leases to total assets | 50.7000% | 3,441 |
| Net loans and leases to deposits | 59.3145% | 3,382 |
| Net loans and leases to core deposits | 65.9649% | 3,232 |
| Total domestic deposits to total assets | 85.4800% | 2,731 |
| Equity capital to assets | 14.1196% | 580 |
| Core capital (leverage) ratio | 14.8598% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,153,500 | 3,020 |
| Average earning assets | $191,524,500 | 2,992 |
| Average equity | $29,306,500 | 2,318 |
| Average total loans | $104,909,000 | 3,150 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 944 |
| Cost of funding earning assets | 0.8510% | 321 |
| Net interest margin | 3.5152% | 1,881 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.1881% | 3,061 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3003% | 1,425 |
| Return on assets (ROA) | 1.3003% | 1,389 |
| Pretax return on assets | 1.3003% | 2,086 |
| Return on Equity (ROE) | 8.8900% | 3,154 |
| Retained earnings to average equity (ytd only) | 3.8401% | 3,448 |
| Net charge-offs to loans | 0.3006% | 257 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 9.2229% | 2,232 |
| Efficiency ratio | 60.0055% | 3,058 |
| Assets per employee ($millions) | 5.3546% | 3,365 |
| Cash dividends to net income (ytd only)* | 56.8164% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,325 |
| Loan loss allowance to noncurrent loans | 107.3883% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 767 |
| Noncurrent loans to loans | 1.1301% | 635 |
| Net loans and leases to total assets | 51.3600% | 3,407 |
| Net loans and leases to deposits | 60.3985% | 3,307 |
| Net loans and leases to core deposits | 65.7861% | 3,143 |
| Total domestic deposits to total assets | 85.0300% | 2,988 |
| Equity capital to assets | 14.7476% | 499 |
| Core capital (leverage) ratio | 15.2321% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $198,573,800 | 3,052 |
| Average earning assets | $186,844,200 | 3,022 |
| Average equity | $29,036,000 | 2,377 |
| Average total loans | $104,443,200 | 3,090 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 726 |
| Cost of funding earning assets | 0.7175% | 242 |
| Net interest margin | 3.5883% | 1,418 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1413% | 3,097 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4468% | 963 |
| Return on assets (ROA) | 1.4468% | 939 |
| Pretax return on assets | 1.4468% | 1,568 |
| Return on Equity (ROE) | 9.9200% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,252 |
| Net charge-offs to loans | 0.3473% | 181 |
| Credit loss provision to net charge-offs | 82.4176% | 1,412 |
| Earnings coverage of net charge-offs (x) | 8.7216% | 2,036 |
| Efficiency ratio | 57.2685% | 3,480 |
| Assets per employee ($millions) | 5.3739% | 3,352 |
| Cash dividends to net income (ytd only)* | 53.8497% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,779 |
| Loan loss allowance to noncurrent loans | 120.2000% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 716 |
| Noncurrent loans to loans | 0.9595% | 815 |
| Net loans and leases to total assets | 51.8100% | 3,293 |
| Net loans and leases to deposits | 60.9112% | 3,118 |
| Net loans and leases to core deposits | 65.7712% | 2,964 |
| Total domestic deposits to total assets | 85.0600% | 3,269 |
| Equity capital to assets | 14.6025% | 491 |
| Core capital (leverage) ratio | 15.1976% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $198,687,000 | 3,076 |
| Average earning assets | $187,121,000 | 3,039 |
| Average equity | $28,990,500 | 2,411 |
| Average total loans | $104,803,000 | 3,099 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 547 |
| Cost of funding earning assets | 0.6659% | 188 |
| Net interest margin | 3.6007% | 1,067 |
| Noninterest income to average assets | 0.3665% | 2,947 |
| Noninterest expense to average assets | 2.0681% | 3,241 |
| Loan and lease loss provision to assets | 0.1510% | 630 |
| Net operating income to assets | 1.5395% | 635 |
| Return on assets (ROA) | 1.5395% | 619 |
| Pretax return on assets | 1.5395% | 1,077 |
| Return on Equity (ROE) | 10.5537% | 2,148 |
| Retained earnings to average equity (ytd only) | 5.1284% | 2,659 |
| Net charge-offs to loans | 0.4591% | 151 |
| Credit loss provision to net charge-offs | 62.2407% | 1,452 |
| Earnings coverage of net charge-offs (x) | 6.9668% | 1,872 |
| Efficiency ratio | 55.0228% | 3,866 |
| Assets per employee ($millions) | 5.5272% | 3,200 |
| Cash dividends to net income (ytd only)* | 51.4061% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,098 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 506 |
| Noncurrent loans to loans | 1.4697% | 506 |
| Net loans and leases to total assets | 51.5652% | 3,208 |
| Net loans and leases to deposits | 60.5641% | 3,017 |
| Net loans and leases to core deposits | 65.0809% | 2,892 |
| Total domestic deposits to total assets | 85.1416% | 3,455 |
| Equity capital to assets | 14.6111% | 453 |
| Core capital (leverage) ratio | 14.9223% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,637,333 | 3,107 |
| Average earning assets | $187,128,333 | 3,085 |
| Average equity | $28,975,667 | 2,464 |
| Average total loans | $104,995,333 | 3,124 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 472 |
| Cost of funding earning assets | 0.6825% | 167 |
| Net interest margin | 3.5793% | 930 |
| Noninterest income to average assets | 0.4112% | 2,609 |
| Noninterest expense to average assets | 2.1182% | 3,083 |
| Loan and lease loss provision to assets | 0.1512% | 520 |
| Net operating income to assets | 1.5136% | 612 |
| Return on assets (ROA) | 1.5136% | 602 |
| Pretax return on assets | 1.5136% | 992 |
| Return on Equity (ROE) | 10.3848% | 1,827 |
| Retained earnings to average equity (ytd only) | 4.9089% | 2,619 |
| Net charge-offs to loans | 0.3977% | 169 |
| Credit loss provision to net charge-offs | 71.4286% | 1,134 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 1,529 |
| Efficiency ratio | 55.9936% | 3,878 |
| Assets per employee ($millions) | 5.5482% | 3,279 |
| Cash dividends to net income (ytd only)* | 52.7297% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,946 |
| Loan loss allowance to noncurrent loans | 80.1577% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 678 |
| Noncurrent loans to loans | 1.4768% | 565 |
| Net loans and leases to total assets | 50.9888% | 3,070 |
| Net loans and leases to deposits | 59.7547% | 2,925 |
| Net loans and leases to core deposits | 64.1967% | 2,782 |
| Total domestic deposits to total assets | 85.3301% | 3,461 |
| Equity capital to assets | 14.4596% | 453 |
| Core capital (leverage) ratio | 14.7924% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,466,500 | 3,113 |
| Average earning assets | $186,961,500 | 3,098 |
| Average equity | $28,927,000 | 2,539 |
| Average total loans | $105,611,500 | 3,117 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 421 |
| Cost of funding earning assets | 0.7884% | 218 |
| Net interest margin | 3.9100% | 838 |
| Noninterest income to average assets | 0.2869% | 3,674 |
| Noninterest expense to average assets | 2.1168% | 3,348 |
| Loan and lease loss provision to assets | 0.1693% | 685 |
| Net operating income to assets | 1.6523% | 702 |
| Return on assets (ROA) | 1.6523% | 741 |
| Pretax return on assets | 1.6523% | 1,266 |
| Return on Equity (ROE) | 11.2544% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.5831% | 2,527 |
| Net charge-offs to loans | 0.3036% | 283 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 10.7584% | 2,194 |
| Efficiency ratio | 53.7470% | 3,960 |
| Assets per employee ($millions) | 5.3296% | 3,439 |
| Cash dividends to net income (ytd only)* | 50.3917% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,100 |
| Loan loss allowance to noncurrent loans | 121.3592% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 1,190 |
| Noncurrent loans to loans | 0.9523% | 1,060 |
| Net loans and leases to total assets | 54.2148% | 2,820 |
| Net loans and leases to deposits | 63.6858% | 2,712 |
| Net loans and leases to core deposits | 68.6399% | 2,594 |
| Total domestic deposits to total assets | 85.1286% | 3,229 |
| Equity capital to assets | 14.6924% | 541 |
| Core capital (leverage) ratio | 14.8362% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,121,000 | 3,112 |
| Average earning assets | $180,355,800 | 3,091 |
| Average equity | $28,353,400 | 2,624 |
| Average total loans | $107,702,600 | 3,108 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 420 |
| Cost of funding earning assets | 0.8123% | 231 |
| Net interest margin | 3.9746% | 830 |
| Noninterest income to average assets | 0.2936% | 3,690 |
| Noninterest expense to average assets | 2.1127% | 3,325 |
| Loan and lease loss provision to assets | 0.1562% | 709 |
| Net operating income to assets | 1.7296% | 776 |
| Return on assets (ROA) | 1.7296% | 810 |
| Pretax return on assets | 1.7296% | 1,336 |
| Return on Equity (ROE) | 11.7828% | 2,123 |
| Retained earnings to average equity (ytd only) | 6.3359% | 2,678 |
| Net charge-offs to loans | 0.2999% | 264 |
| Credit loss provision to net charge-offs | 92.9752% | 1,644 |
| Earnings coverage of net charge-offs (x) | 11.2273% | 2,010 |
| Efficiency ratio | 52.8380% | 3,939 |
| Assets per employee ($millions) | 5.1129% | 3,587 |
| Cash dividends to net income (ytd only)* | 46.2279% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 3,113 |
| Loan loss allowance to noncurrent loans | 97.6247% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 1,063 |
| Noncurrent loans to loans | 1.1999% | 928 |
| Net loans and leases to total assets | 53.5411% | 3,022 |
| Net loans and leases to deposits | 63.1047% | 2,945 |
| Net loans and leases to core deposits | 68.0418% | 2,770 |
| Total domestic deposits to total assets | 84.8448% | 3,167 |
| Equity capital to assets | 14.8392% | 564 |
| Core capital (leverage) ratio | 14.7777% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,102,000 | 3,157 |
| Average earning assets | $179,065,250 | 3,142 |
| Average equity | $28,198,500 | 2,666 |
| Average total loans | $107,588,250 | 3,148 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 354 |
| Cost of funding earning assets | 0.8405% | 239 |
| Net interest margin | 4.1336% | 652 |
| Noninterest income to average assets | 0.2843% | 3,723 |
| Noninterest expense to average assets | 2.0975% | 3,400 |
| Loan and lease loss provision to assets | 0.1568% | 749 |
| Net operating income to assets | 1.8697% | 623 |
| Return on assets (ROA) | 1.8697% | 652 |
| Pretax return on assets | 1.8697% | 1,076 |
| Return on Equity (ROE) | 12.7842% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.8106% | 2,146 |
| Net charge-offs to loans | 0.3156% | 271 |
| Credit loss provision to net charge-offs | 87.7193% | 1,447 |
| Earnings coverage of net charge-offs (x) | 11.3392% | 1,767 |
| Efficiency ratio | 50.8616% | 4,153 |
| Assets per employee ($millions) | 5.2627% | 3,396 |
| Cash dividends to net income (ytd only)* | 38.9044% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,224 |
| Loan loss allowance to noncurrent loans | 78.6812% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 922 |
| Noncurrent loans to loans | 1.4540% | 790 |
| Net loans and leases to total assets | 54.5401% | 3,075 |
| Net loans and leases to deposits | 64.1492% | 2,988 |
| Net loans and leases to core deposits | 69.1395% | 2,853 |
| Total domestic deposits to total assets | 85.0206% | 3,085 |
| Equity capital to assets | 14.6805% | 584 |
| Core capital (leverage) ratio | 14.7565% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,372,667 | 3,166 |
| Average earning assets | $177,761,667 | 3,153 |
| Average equity | $27,987,667 | 2,676 |
| Average total loans | $108,365,000 | 3,145 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 626 |
| Cost of funding earning assets | 0.8878% | 237 |
| Net interest margin | 3.7412% | 1,249 |
| Noninterest income to average assets | 0.2678% | 3,794 |
| Noninterest expense to average assets | 2.1086% | 3,396 |
| Loan and lease loss provision to assets | 0.1581% | 807 |
| Net operating income to assets | 1.4486% | 1,449 |
| Return on assets (ROA) | 1.4486% | 1,515 |
| Pretax return on assets | 1.4486% | 2,143 |
| Return on Equity (ROE) | 9.9247% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.9407% | 3,234 |
| Net charge-offs to loans | -0.1617% | 4,752 |
| Credit loss provision to net charge-offs | -170.4545% | 2,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7537% | 3,459 |
| Assets per employee ($millions) | 5.5055% | 3,112 |
| Cash dividends to net income (ytd only)* | 50.2183% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,668 |
| Loan loss allowance to noncurrent loans | 36.0738% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.0629% | 239 |
| Noncurrent loans to loans | 3.4638% | 197 |
| Net loans and leases to total assets | 56.1481% | 3,015 |
| Net loans and leases to deposits | 65.8403% | 2,935 |
| Net loans and leases to core deposits | 72.0621% | 2,699 |
| Total domestic deposits to total assets | 85.2793% | 3,001 |
| Equity capital to assets | 14.4421% | 587 |
| Core capital (leverage) ratio | 14.8310% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,698,500 | 3,167 |
| Average earning assets | $174,808,000 | 3,169 |
| Average equity | $27,688,500 | 2,694 |
| Average total loans | $108,832,500 | 3,145 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 526 |
| Cost of funding earning assets | 1.2375% | 235 |
| Net interest margin | 3.7238% | 1,727 |
| Noninterest income to average assets | 0.3060% | 3,649 |
| Noninterest expense to average assets | 2.2349% | 3,576 |
| Loan and lease loss provision to assets | 0.3266% | 1,108 |
| Net operating income to assets | 1.2091% | 1,522 |
| Return on assets (ROA) | 1.2091% | 1,629 |
| Pretax return on assets | 1.2091% | 2,295 |
| Return on Equity (ROE) | 8.0541% | 2,798 |
| Retained earnings to average equity (ytd only) | 3.7810% | 2,927 |
| Net charge-offs to loans | 0.4102% | 416 |
| Credit loss provision to net charge-offs | 134.2466% | 2,523 |
| Earnings coverage of net charge-offs (x) | 6.3128% | 2,793 |
| Efficiency ratio | 59.2724% | 3,557 |
| Assets per employee ($millions) | 5.1862% | 3,181 |
| Cash dividends to net income (ytd only)* | 53.0547% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,182 |
| Loan loss allowance to noncurrent loans | 46.5896% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 468 |
| Noncurrent loans to loans | 2.4819% | 409 |
| Net loans and leases to total assets | 57.2310% | 3,174 |
| Net loans and leases to deposits | 67.3359% | 3,152 |
| Net loans and leases to core deposits | 73.7938% | 2,928 |
| Total domestic deposits to total assets | 84.9933% | 2,762 |
| Equity capital to assets | 14.7550% | 614 |
| Core capital (leverage) ratio | 14.8848% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,052,800 | 3,103 |
| Average earning assets | $167,515,000 | 3,094 |
| Average equity | $27,029,600 | 2,676 |
| Average total loans | $106,777,200 | 3,142 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0519% | 557 |
| Cost of funding earning assets | 1.3145% | 232 |
| Net interest margin | 3.7374% | 1,808 |
| Noninterest income to average assets | 0.2616% | 3,906 |
| Noninterest expense to average assets | 2.2714% | 3,494 |
| Loan and lease loss provision to assets | 0.2842% | 1,417 |
| Net operating income to assets | 1.1891% | 1,674 |
| Return on assets (ROA) | 1.1891% | 1,797 |
| Pretax return on assets | 1.1891% | 2,425 |
| Return on Equity (ROE) | 7.8858% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.7075% | 3,189 |
| Net charge-offs to loans | 0.2054% | 745 |
| Credit loss provision to net charge-offs | 231.7073% | 1,992 |
| Earnings coverage of net charge-offs (x) | 12.0183% | 2,269 |
| Efficiency ratio | 60.6587% | 3,282 |
| Assets per employee ($millions) | 5.0719% | 3,154 |
| Cash dividends to net income (ytd only)* | 52.9855% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,504 |
| Loan loss allowance to noncurrent loans | 44.3546% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 448 |
| Noncurrent loans to loans | 2.7726% | 357 |
| Net loans and leases to total assets | 57.8875% | 3,429 |
| Net loans and leases to deposits | 68.3796% | 3,441 |
| Net loans and leases to core deposits | 75.0915% | 3,235 |
| Total domestic deposits to total assets | 84.6561% | 2,569 |
| Equity capital to assets | 14.9353% | 650 |
| Core capital (leverage) ratio | 14.7799% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4671% | 976 |
| Memoranda: | ||
| Average total assets | $178,390,250 | 3,105 |
| Average earning assets | $166,244,250 | 3,093 |
| Average equity | $26,900,000 | 2,675 |
| Average total loans | $106,446,000 | 3,148 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 653 |
| Cost of funding earning assets | 1.4007% | 228 |
| Net interest margin | 3.7282% | 2,057 |
| Noninterest income to average assets | 0.3164% | 3,569 |
| Noninterest expense to average assets | 2.2125% | 3,742 |
| Loan and lease loss provision to assets | 0.3220% | 1,327 |
| Net operating income to assets | 1.2498% | 1,492 |
| Return on assets (ROA) | 1.2498% | 1,611 |
| Pretax return on assets | 1.2498% | 2,184 |
| Return on Equity (ROE) | 8.2609% | 2,642 |
| Retained earnings to average equity (ytd only) | 4.0483% | 2,877 |
| Net charge-offs to loans | 0.2805% | 567 |
| Credit loss provision to net charge-offs | 191.2752% | 1,955 |
| Earnings coverage of net charge-offs (x) | 9.3356% | 2,229 |
| Efficiency ratio | 58.4652% | 3,634 |
| Assets per employee ($millions) | 5.2433% | 2,894 |
| Cash dividends to net income (ytd only)* | 50.9946% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,817 |
| Loan loss allowance to noncurrent loans | 45.4078% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 432 |
| Noncurrent loans to loans | 2.5152% | 463 |
| Net loans and leases to total assets | 58.2965% | 3,490 |
| Net loans and leases to deposits | 68.6878% | 3,509 |
| Net loans and leases to core deposits | 75.8520% | 3,295 |
| Total domestic deposits to total assets | 84.8717% | 2,446 |
| Equity capital to assets | 14.7539% | 676 |
| Core capital (leverage) ratio | 14.8714% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7736% | 800 |
| Memoranda: | ||
| Average total assets | $176,991,333 | 3,100 |
| Average earning assets | $164,637,667 | 3,091 |
| Average equity | $26,776,667 | 2,665 |
| Average total loans | $106,257,667 | 3,147 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 679 |
| Cost of funding earning assets | 1.5302% | 231 |
| Net interest margin | 3.6552% | 2,491 |
| Noninterest income to average assets | 0.4075% | 3,044 |
| Noninterest expense to average assets | 2.2541% | 3,877 |
| Loan and lease loss provision to assets | 0.2533% | 1,225 |
| Net operating income to assets | 1.3101% | 1,214 |
| Return on assets (ROA) | 1.3101% | 1,311 |
| Pretax return on assets | 1.3101% | 1,844 |
| Return on Equity (ROE) | 8.5477% | 2,293 |
| Retained earnings to average equity (ytd only) | 3.9959% | 2,683 |
| Net charge-offs to loans | 0.1900% | 715 |
| Credit loss provision to net charge-offs | 220.0000% | 1,365 |
| Earnings coverage of net charge-offs (x) | 13.5800% | 1,643 |
| Efficiency ratio | 59.0470% | 3,862 |
| Assets per employee ($millions) | 5.0055% | 2,643 |
| Cash dividends to net income (ytd only)* | 53.2513% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,265 |
| Loan loss allowance to noncurrent loans | 35.9801% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.9778% | 428 |
| Noncurrent loans to loans | 3.0285% | 353 |
| Net loans and leases to total assets | 60.1024% | 3,480 |
| Net loans and leases to deposits | 71.2645% | 3,500 |
| Net loans and leases to core deposits | 79.2405% | 3,265 |
| Total domestic deposits to total assets | 84.3371% | 2,655 |
| Equity capital to assets | 15.2890% | 713 |
| Core capital (leverage) ratio | 15.4665% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1378% | 1,571 |
| Memoranda: | ||
| Average total assets | $173,728,500 | 3,099 |
| Average earning assets | $162,069,500 | 3,088 |
| Average equity | $26,627,000 | 2,661 |
| Average total loans | $105,276,500 | 3,150 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 759 |
| Cost of funding earning assets | 1.6631% | 226 |
| Net interest margin | 3.6786% | 2,877 |
| Noninterest income to average assets | 0.3802% | 3,422 |
| Noninterest expense to average assets | 2.3016% | 3,942 |
| Loan and lease loss provision to assets | 0.2613% | 691 |
| Net operating income to assets | 1.2371% | 1,918 |
| Return on assets (ROA) | 1.2371% | 2,004 |
| Pretax return on assets | 1.2371% | 2,714 |
| Return on Equity (ROE) | 7.8266% | 3,235 |
| Retained earnings to average equity (ytd only) | 2.0998% | 3,946 |
| Net charge-offs to loans | 0.5362% | 345 |
| Credit loss provision to net charge-offs | 81.2383% | 2,779 |
| Earnings coverage of net charge-offs (x) | 4.6585% | 3,186 |
| Efficiency ratio | 60.5685% | 3,612 |
| Assets per employee ($millions) | 4.7852% | 2,857 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,183 |
| Loan loss allowance to noncurrent loans | 72.0839% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 1,181 |
| Noncurrent loans to loans | 1.4659% | 993 |
| Net loans and leases to total assets | 59.7907% | 3,605 |
| Net loans and leases to deposits | 70.9233% | 3,597 |
| Net loans and leases to core deposits | 78.6889% | 3,397 |
| Total domestic deposits to total assets | 84.3033% | 2,751 |
| Equity capital to assets | 15.3652% | 716 |
| Core capital (leverage) ratio | 15.5122% | 589 |
| Tier 1 risk-based capital ratio | 20.5535% | 1,244 |
| Total risk-based capital ratio | 21.4078% | 1,279 |
| Memoranda: | ||
| Average total assets | $165,711,800 | 3,146 |
| Average earning assets | $154,051,200 | 3,145 |
| Average equity | $26,192,600 | 2,620 |
| Average total loans | $99,399,000 | 3,235 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 817 |
| Cost of funding earning assets | 1.6632% | 230 |
| Net interest margin | 3.6620% | 3,055 |
| Noninterest income to average assets | 0.3917% | 3,372 |
| Noninterest expense to average assets | 2.3590% | 3,800 |
| Loan and lease loss provision to assets | 0.1991% | 887 |
| Net operating income to assets | 1.2384% | 2,059 |
| Return on assets (ROA) | 1.2384% | 2,139 |
| Pretax return on assets | 1.2384% | 2,859 |
| Return on Equity (ROE) | 7.7782% | 3,400 |
| Retained earnings to average equity (ytd only) | 1.5618% | 4,410 |
| Net charge-offs to loans | 0.6285% | 257 |
| Credit loss provision to net charge-offs | 52.9158% | 2,765 |
| Earnings coverage of net charge-offs (x) | 3.8207% | 3,072 |
| Efficiency ratio | 62.1361% | 3,305 |
| Assets per employee ($millions) | 4.6911% | 2,927 |
| Cash dividends to net income (ytd only)* | 79.9213% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,707 |
| Loan loss allowance to noncurrent loans | 79.6431% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 1,424 |
| Noncurrent loans to loans | 1.2242% | 1,279 |
| Net loans and leases to total assets | 59.0564% | 3,766 |
| Net loans and leases to deposits | 70.3593% | 3,747 |
| Net loans and leases to core deposits | 78.2106% | 3,535 |
| Total domestic deposits to total assets | 83.9354% | 2,847 |
| Equity capital to assets | 15.5216% | 724 |
| Core capital (leverage) ratio | 15.6497% | 617 |
| Tier 1 risk-based capital ratio | 21.1357% | 1,175 |
| Total risk-based capital ratio | 21.9273% | 1,208 |
| Memoranda: | ||
| Average total assets | $164,073,250 | 3,195 |
| Average earning assets | $152,555,500 | 3,189 |
| Average equity | $26,123,500 | 2,632 |
| Average total loans | $98,224,000 | 3,295 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 892 |
| Cost of funding earning assets | 1.6303% | 243 |
| Net interest margin | 3.6222% | 3,184 |
| Noninterest income to average assets | 0.3631% | 3,502 |
| Noninterest expense to average assets | 2.2416% | 4,145 |
| Loan and lease loss provision to assets | 0.1970% | 880 |
| Net operating income to assets | 1.2913% | 1,813 |
| Return on assets (ROA) | 1.2913% | 1,868 |
| Pretax return on assets | 1.2913% | 2,589 |
| Return on Equity (ROE) | 8.0403% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.9473% | 3,273 |
| Net charge-offs to loans | 0.5668% | 271 |
| Credit loss provision to net charge-offs | 57.9710% | 2,417 |
| Earnings coverage of net charge-offs (x) | 4.3804% | 2,741 |
| Efficiency ratio | 60.0990% | 3,714 |
| Assets per employee ($millions) | 4.7583% | 2,796 |
| Cash dividends to net income (ytd only)* | 50.9056% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,038 |
| Loan loss allowance to noncurrent loans | 51.9157% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 834 |
| Noncurrent loans to loans | 2.1309% | 643 |
| Net loans and leases to total assets | 58.1872% | 3,898 |
| Net loans and leases to deposits | 69.4978% | 3,880 |
| Net loans and leases to core deposits | 76.9020% | 3,653 |
| Total domestic deposits to total assets | 83.7252% | 2,975 |
| Equity capital to assets | 15.8575% | 636 |
| Core capital (leverage) ratio | 15.9971% | 541 |
| Tier 1 risk-based capital ratio | 19.8562% | 1,376 |
| Total risk-based capital ratio | 20.6706% | 1,424 |
| Memoranda: | ||
| Average total assets | $162,470,670 | 3,232 |
| Average earning assets | $151,014,670 | 3,216 |
| Average equity | $26,093,670 | 2,628 |
| Average total loans | $97,393,000 | 3,321 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 889 |
| Cost of funding earning assets | 1.5465% | 277 |
| Net interest margin | 3.6650% | 3,026 |
| Noninterest income to average assets | 0.3565% | 3,467 |
| Noninterest expense to average assets | 2.2239% | 4,204 |
| Loan and lease loss provision to assets | 0.2119% | 738 |
| Net operating income to assets | 1.3239% | 1,616 |
| Return on assets (ROA) | 1.3239% | 1,659 |
| Pretax return on assets | 1.3239% | 2,364 |
| Return on Equity (ROE) | 8.1894% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.0716% | 3,287 |
| Net charge-offs to loans | 0.8528% | 172 |
| Credit loss provision to net charge-offs | 41.0628% | 2,025 |
| Earnings coverage of net charge-offs (x) | 2.9758% | 2,441 |
| Efficiency ratio | 59.1512% | 3,931 |
| Assets per employee ($millions) | 4.3656% | 3,387 |
| Cash dividends to net income (ytd only)* | 50.2825% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,079 |
| Loan loss allowance to noncurrent loans | 65.4921% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 1,159 |
| Noncurrent loans to loans | 1.6920% | 911 |
| Net loans and leases to total assets | 59.5569% | 3,750 |
| Net loans and leases to deposits | 71.3403% | 3,655 |
| Net loans and leases to core deposits | 77.2842% | 3,575 |
| Total domestic deposits to total assets | 83.4827% | 3,224 |
| Equity capital to assets | 16.1607% | 548 |
| Core capital (leverage) ratio | 16.3630% | 485 |
| Tier 1 risk-based capital ratio | 20.5610% | 1,237 |
| Total risk-based capital ratio | 21.4077% | 1,279 |
| Memoranda: | ||
| Average total assets | $160,436,000 | 3,295 |
| Average earning assets | $148,978,500 | 3,277 |
| Average equity | $25,936,000 | 2,647 |
| Average total loans | $97,095,000 | 3,364 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 767 |
| Cost of funding earning assets | 1.1527% | 409 |
| Net interest margin | 3.9985% | 1,988 |
| Noninterest income to average assets | 0.3485% | 3,779 |
| Noninterest expense to average assets | 2.4555% | 3,738 |
| Loan and lease loss provision to assets | 0.2392% | 739 |
| Net operating income to assets | 1.3745% | 1,514 |
| Return on assets (ROA) | 1.3745% | 1,508 |
| Pretax return on assets | 1.3745% | 2,226 |
| Return on Equity (ROE) | 8.4203% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.0834% | 3,311 |
| Net charge-offs to loans | 0.3916% | 479 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 6.7459% | 3,057 |
| Efficiency ratio | 60.3432% | 3,797 |
| Assets per employee ($millions) | 4.4262% | 3,277 |
| Cash dividends to net income (ytd only)* | 51.5052% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,360 |
| Loan loss allowance to noncurrent loans | 51.9481% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.6223% | 693 |
| Noncurrent loans to loans | 2.3836% | 529 |
| Net loans and leases to total assets | 60.0656% | 3,766 |
| Net loans and leases to deposits | 71.9129% | 3,679 |
| Net loans and leases to core deposits | 77.6270% | 3,611 |
| Total domestic deposits to total assets | 83.5256% | 3,154 |
| Equity capital to assets | 16.1713% | 512 |
| Core capital (leverage) ratio | 16.5151% | 456 |
| Tier 1 risk-based capital ratio | 20.8789% | 1,167 |
| Total risk-based capital ratio | 21.8458% | 1,183 |
| Memoranda: | ||
| Average total assets | $154,671,600 | 3,336 |
| Average earning assets | $143,929,200 | 3,323 |
| Average equity | $25,248,400 | 2,632 |
| Average total loans | $94,486,600 | 3,401 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 776 |
| Cost of funding earning assets | 1.0637% | 458 |
| Net interest margin | 4.0256% | 1,871 |
| Noninterest income to average assets | 0.3344% | 3,924 |
| Noninterest expense to average assets | 2.5067% | 3,573 |
| Loan and lease loss provision to assets | 0.2215% | 748 |
| Net operating income to assets | 1.3567% | 1,633 |
| Return on assets (ROA) | 1.3567% | 1,643 |
| Pretax return on assets | 1.3567% | 2,397 |
| Return on Equity (ROE) | 8.2911% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.9598% | 3,793 |
| Net charge-offs to loans | 0.3082% | 539 |
| Credit loss provision to net charge-offs | 117.5115% | 2,012 |
| Earnings coverage of net charge-offs (x) | 8.3732% | 2,717 |
| Efficiency ratio | 61.3651% | 3,608 |
| Assets per employee ($millions) | 4.3201% | 3,400 |
| Cash dividends to net income (ytd only)* | 52.2407% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,171 |
| Loan loss allowance to noncurrent loans | 50.5306% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 680 |
| Noncurrent loans to loans | 2.5409% | 509 |
| Net loans and leases to total assets | 61.2011% | 3,729 |
| Net loans and leases to deposits | 73.5526% | 3,637 |
| Net loans and leases to core deposits | 79.2683% | 3,551 |
| Total domestic deposits to total assets | 83.2072% | 3,229 |
| Equity capital to assets | 16.3459% | 482 |
| Core capital (leverage) ratio | 16.5563% | 453 |
| Tier 1 risk-based capital ratio | 21.3286% | 1,137 |
| Total risk-based capital ratio | 22.3589% | 1,148 |
| Memoranda: | ||
| Average total assets | $153,503,500 | 3,375 |
| Average earning assets | $143,015,250 | 3,360 |
| Average equity | $25,118,500 | 2,651 |
| Average total loans | $93,880,500 | 3,431 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 839 |
| Cost of funding earning assets | 0.9551% | 570 |
| Net interest margin | 4.0391% | 1,731 |
| Noninterest income to average assets | 0.3219% | 4,032 |
| Noninterest expense to average assets | 2.4014% | 3,898 |
| Loan and lease loss provision to assets | 0.2290% | 701 |
| Net operating income to assets | 1.4604% | 1,252 |
| Return on assets (ROA) | 1.4604% | 1,250 |
| Pretax return on assets | 1.4604% | 1,956 |
| Return on Equity (ROE) | 8.9218% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.4129% | 3,395 |
| Net charge-offs to loans | 0.1548% | 1,000 |
| Credit loss provision to net charge-offs | 243.0556% | 1,164 |
| Earnings coverage of net charge-offs (x) | 17.9306% | 1,931 |
| Efficiency ratio | 58.7012% | 4,126 |
| Assets per employee ($millions) | 4.2855% | 3,444 |
| Cash dividends to net income (ytd only)* | 50.5376% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,979 |
| Loan loss allowance to noncurrent loans | 64.4730% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 947 |
| Noncurrent loans to loans | 2.0826% | 698 |
| Net loans and leases to total assets | 62.0555% | 3,595 |
| Net loans and leases to deposits | 76.0320% | 3,327 |
| Net loans and leases to core deposits | 81.9135% | 3,249 |
| Total domestic deposits to total assets | 81.6176% | 3,836 |
| Equity capital to assets | 16.3679% | 458 |
| Core capital (leverage) ratio | 16.6470% | 432 |
| Tier 1 risk-based capital ratio | 21.2767% | 1,129 |
| Total risk-based capital ratio | 22.3668% | 1,128 |
| Memoranda: | ||
| Average total assets | $152,829,670 | 3,401 |
| Average earning assets | $142,605,670 | 3,382 |
| Average equity | $25,017,330 | 2,663 |
| Average total loans | $93,033,670 | 3,461 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 814 |
| Cost of funding earning assets | 0.8308% | 830 |
| Net interest margin | 4.1003% | 1,440 |
| Noninterest income to average assets | 0.3655% | 3,698 |
| Noninterest expense to average assets | 2.3878% | 3,979 |
| Loan and lease loss provision to assets | 0.2367% | 650 |
| Net operating income to assets | 1.5568% | 943 |
| Return on assets (ROA) | 1.5568% | 950 |
| Pretax return on assets | 1.5568% | 1,508 |
| Return on Equity (ROE) | 9.5100% | 2,672 |
| Retained earnings to average equity (ytd only) | 4.7871% | 3,263 |
| Net charge-offs to loans | 0.3164% | 480 |
| Credit loss provision to net charge-offs | 125.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 9.4722% | 1,964 |
| Efficiency ratio | 57.1069% | 4,450 |
| Assets per employee ($millions) | 4.3239% | 3,445 |
| Cash dividends to net income (ytd only)* | 49.6622% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,171 |
| Loan loss allowance to noncurrent loans | 87.1245% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 1,187 |
| Noncurrent loans to loans | 1.5100% | 1,169 |
| Net loans and leases to total assets | 60.3723% | 3,714 |
| Net loans and leases to deposits | 73.5741% | 3,461 |
| Net loans and leases to core deposits | 79.3540% | 3,378 |
| Total domestic deposits to total assets | 82.0565% | 3,944 |
| Equity capital to assets | 16.5308% | 436 |
| Core capital (leverage) ratio | 16.6454% | 418 |
| Tier 1 risk-based capital ratio | 22.4927% | 992 |
| Total risk-based capital ratio | 23.5806% | 992 |
| Memoranda: | ||
| Average total assets | $152,105,500 | 3,440 |
| Average earning assets | $141,551,500 | 3,433 |
| Average equity | $24,900,000 | 2,694 |
| Average total loans | $91,030,000 | 3,524 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 938 |
| Cost of funding earning assets | 0.6930% | 1,067 |
| Net interest margin | 4.1273% | 1,355 |
| Noninterest income to average assets | 0.3026% | 4,289 |
| Noninterest expense to average assets | 2.5953% | 3,463 |
| Loan and lease loss provision to assets | 0.3961% | 375 |
| Net operating income to assets | 1.1490% | 1,682 |
| Return on assets (ROA) | 1.1490% | 1,716 |
| Pretax return on assets | 1.1490% | 2,987 |
| Return on Equity (ROE) | 7.1900% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.4232% | 3,236 |
| Net charge-offs to loans | 0.6975% | 307 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.9010% | 3,538 |
| Efficiency ratio | 62.6835% | 3,835 |
| Assets per employee ($millions) | 4.4963% | 3,194 |
| Cash dividends to net income (ytd only)* | 52.3891% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,017 |
| Loan loss allowance to noncurrent loans | 81.1908% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 961 |
| Noncurrent loans to loans | 1.6518% | 998 |
| Net loans and leases to total assets | 57.7446% | 4,025 |
| Net loans and leases to deposits | 69.0873% | 3,944 |
| Net loans and leases to core deposits | 76.1462% | 3,731 |
| Total domestic deposits to total assets | 83.5820% | 3,363 |
| Equity capital to assets | 16.2113% | 487 |
| Core capital (leverage) ratio | 16.4688% | 423 |
| Tier 1 risk-based capital ratio | 22.7597% | 940 |
| Total risk-based capital ratio | 23.8573% | 932 |
| Memoranda: | ||
| Average total assets | $153,008,400 | 3,430 |
| Average earning assets | $142,271,400 | 3,424 |
| Average equity | $24,450,600 | 2,718 |
| Average total loans | $86,877,800 | 3,590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 956 |
| Cost of funding earning assets | 0.6694% | 1,127 |
| Net interest margin | 4.1135% | 1,358 |
| Noninterest income to average assets | 0.3520% | 4,013 |
| Noninterest expense to average assets | 2.5683% | 3,505 |
| Loan and lease loss provision to assets | 0.4138% | 321 |
| Net operating income to assets | 1.1979% | 1,703 |
| Return on assets (ROA) | 1.1979% | 1,735 |
| Pretax return on assets | 1.1979% | 2,916 |
| Return on Equity (ROE) | 7.5235% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.5018% | 3,831 |
| Net charge-offs to loans | 0.8845% | 205 |
| Credit loss provision to net charge-offs | 83.0420% | 2,542 |
| Earnings coverage of net charge-offs (x) | 3.2343% | 3,364 |
| Efficiency ratio | 61.4423% | 3,966 |
| Assets per employee ($millions) | 4.5034% | 3,138 |
| Cash dividends to net income (ytd only)* | 53.4547% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,545 |
| Loan loss allowance to noncurrent loans | 40.2702% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2303% | 538 |
| Noncurrent loans to loans | 3.1432% | 383 |
| Net loans and leases to total assets | 56.1904% | 4,219 |
| Net loans and leases to deposits | 67.2574% | 4,165 |
| Net loans and leases to core deposits | 74.2710% | 3,952 |
| Total domestic deposits to total assets | 83.5453% | 3,276 |
| Equity capital to assets | 16.0949% | 525 |
| Core capital (leverage) ratio | 16.0726% | 485 |
| Tier 1 risk-based capital ratio | 21.9606% | 1,047 |
| Total risk-based capital ratio | 22.9418% | 1,062 |
| Memoranda: | ||
| Average total assets | $153,041,750 | 3,462 |
| Average earning assets | $142,421,000 | 3,445 |
| Average equity | $24,367,500 | 2,745 |
| Average total loans | $86,228,000 | 3,630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 976 |
| Cost of funding earning assets | 0.6501% | 1,140 |
| Net interest margin | 4.0927% | 1,343 |
| Noninterest income to average assets | 0.3647% | 3,946 |
| Noninterest expense to average assets | 2.3475% | 4,216 |
| Loan and lease loss provision to assets | 0.3660% | 384 |
| Net operating income to assets | 1.4691% | 921 |
| Return on assets (ROA) | 1.4691% | 941 |
| Pretax return on assets | 1.4691% | 1,762 |
| Return on Equity (ROE) | 9.2604% | 2,386 |
| Retained earnings to average equity (ytd only) | 4.8856% | 2,788 |
| Net charge-offs to loans | 0.6494% | 301 |
| Credit loss provision to net charge-offs | 100.3584% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,865 |
| Efficiency ratio | 56.1250% | 4,818 |
| Assets per employee ($millions) | 4.3988% | 3,272 |
| Cash dividends to net income (ytd only)* | 47.2420% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 2,014 |
| Loan loss allowance to noncurrent loans | 62.3572% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.7115% | 832 |
| Noncurrent loans to loans | 2.2209% | 726 |
| Net loans and leases to total assets | 55.5473% | 4,265 |
| Net loans and leases to deposits | 66.3355% | 4,197 |
| Net loans and leases to core deposits | 73.1613% | 4,006 |
| Total domestic deposits to total assets | 83.7370% | 3,310 |
| Equity capital to assets | 15.9778% | 533 |
| Core capital (leverage) ratio | 16.0916% | 467 |
| Tier 1 risk-based capital ratio | 21.8794% | 1,065 |
| Total risk-based capital ratio | 22.9460% | 1,064 |
| Memoranda: | ||
| Average total assets | $153,016,670 | 3,480 |
| Average earning assets | $142,741,000 | 3,453 |
| Average equity | $24,275,330 | 2,751 |
| Average total loans | $85,924,000 | 3,659 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 968 |
| Cost of funding earning assets | 0.6410% | 1,127 |
| Net interest margin | 4.0399% | 1,370 |
| Noninterest income to average assets | 0.3802% | 3,806 |
| Noninterest expense to average assets | 2.0400% | 4,958 |
| Loan and lease loss provision to assets | 0.4458% | 239 |
| Net operating income to assets | 1.6624% | 593 |
| Return on assets (ROA) | 1.6624% | 606 |
| Pretax return on assets | 1.6624% | 1,087 |
| Return on Equity (ROE) | 10.5169% | 1,734 |
| Retained earnings to average equity (ytd only) | 5.7893% | 2,446 |
| Net charge-offs to loans | 1.2581% | 137 |
| Credit loss provision to net charge-offs | 63.1970% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.9888% | 2,526 |
| Efficiency ratio | 49.1783% | 5,414 |
| Assets per employee ($millions) | 4.2346% | 3,611 |
| Cash dividends to net income (ytd only)* | 44.9527% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,645 |
| Loan loss allowance to noncurrent loans | 43.2953% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 595 |
| Noncurrent loans to loans | 2.9506% | 471 |
| Net loans and leases to total assets | 55.8128% | 4,196 |
| Net loans and leases to deposits | 66.5611% | 4,125 |
| Net loans and leases to core deposits | 72.2333% | 3,967 |
| Total domestic deposits to total assets | 83.8521% | 3,532 |
| Equity capital to assets | 15.9459% | 508 |
| Core capital (leverage) ratio | 16.0108% | 457 |
| Tier 1 risk-based capital ratio | 22.1277% | 1,071 |
| Total risk-based capital ratio | 23.1264% | 1,074 |
| Memoranda: | ||
| Average total assets | $152,546,500 | 3,520 |
| Average earning assets | $142,280,500 | 3,490 |
| Average equity | $24,113,500 | 2,782 |
| Average total loans | $85,526,000 | 3,697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,171 |
| Cost of funding earning assets | 0.6680% | 962 |
| Net interest margin | 3.9810% | 1,692 |
| Noninterest income to average assets | 0.3219% | 4,437 |
| Noninterest expense to average assets | 2.1701% | 4,842 |
| Loan and lease loss provision to assets | 0.2129% | 1,062 |
| Net operating income to assets | 1.6750% | 581 |
| Return on assets (ROA) | 1.6750% | 606 |
| Pretax return on assets | 1.6750% | 1,064 |
| Return on Equity (ROE) | 11.0175% | 1,572 |
| Retained earnings to average equity (ytd only) | 3.7821% | 3,224 |
| Net charge-offs to loans | 0.5138% | 478 |
| Credit loss provision to net charge-offs | 76.6355% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.7967% | 3,123 |
| Efficiency ratio | 53.4783% | 5,286 |
| Assets per employee ($millions) | 4.3613% | 3,342 |
| Cash dividends to net income (ytd only)* | 65.6722% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,020 |
| Loan loss allowance to noncurrent loans | 46.8567% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9090% | 750 |
| Noncurrent loans to loans | 3.0177% | 449 |
| Net loans and leases to total assets | 54.8105% | 4,362 |
| Net loans and leases to deposits | 65.1549% | 4,318 |
| Net loans and leases to core deposits | 70.8374% | 4,166 |
| Total domestic deposits to total assets | 84.1234% | 3,381 |
| Equity capital to assets | 15.6689% | 541 |
| Core capital (leverage) ratio | 15.7576% | 490 |
| Tier 1 risk-based capital ratio | 22.0694% | 1,069 |
| Total risk-based capital ratio | 23.1708% | 1,068 |
| Memoranda: | ||
| Average total assets | $154,091,000 | 3,456 |
| Average earning assets | $144,610,800 | 3,436 |
| Average equity | $23,426,400 | 2,856 |
| Average total loans | $83,298,200 | 3,733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 1,220 |
| Cost of funding earning assets | 0.6701% | 948 |
| Net interest margin | 3.9680% | 1,761 |
| Noninterest income to average assets | 0.3151% | 4,512 |
| Noninterest expense to average assets | 2.1719% | 4,840 |
| Loan and lease loss provision to assets | 0.1985% | 1,067 |
| Net operating income to assets | 1.6712% | 631 |
| Return on assets (ROA) | 1.6712% | 671 |
| Pretax return on assets | 1.6712% | 1,194 |
| Return on Equity (ROE) | 11.0767% | 1,642 |
| Retained earnings to average equity (ytd only) | 2.7864% | 4,223 |
| Net charge-offs to loans | 0.4583% | 461 |
| Credit loss provision to net charge-offs | 80.7018% | 2,653 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 2,864 |
| Efficiency ratio | 53.7377% | 5,258 |
| Assets per employee ($millions) | 4.5133% | 3,066 |
| Cash dividends to net income (ytd only)* | 74.8449% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,896 |
| Loan loss allowance to noncurrent loans | 32.3293% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.7174% | 473 |
| Noncurrent loans to loans | 4.5414% | 210 |
| Net loans and leases to total assets | 54.4479% | 4,454 |
| Net loans and leases to deposits | 64.6427% | 4,438 |
| Net loans and leases to core deposits | 70.3946% | 4,291 |
| Total domestic deposits to total assets | 84.2290% | 3,133 |
| Equity capital to assets | 15.4223% | 643 |
| Core capital (leverage) ratio | 15.4035% | 570 |
| Tier 1 risk-based capital ratio | 22.1751% | 1,118 |
| Total risk-based capital ratio | 23.3427% | 1,109 |
| Memoranda: | ||
| Average total assets | $154,452,250 | 3,471 |
| Average earning assets | $145,058,750 | 3,451 |
| Average equity | $23,303,500 | 2,883 |
| Average total loans | $82,906,250 | 3,761 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 1,171 |
| Cost of funding earning assets | 0.6673% | 951 |
| Net interest margin | 3.9804% | 1,701 |
| Noninterest income to average assets | 0.2998% | 4,643 |
| Noninterest expense to average assets | 2.0622% | 5,141 |
| Loan and lease loss provision to assets | 0.2003% | 1,069 |
| Net operating income to assets | 1.7909% | 481 |
| Return on assets (ROA) | 1.7909% | 510 |
| Pretax return on assets | 1.7909% | 899 |
| Return on Equity (ROE) | 11.9572% | 1,342 |
| Retained earnings to average equity (ytd only) | 1.8893% | 4,611 |
| Net charge-offs to loans | 0.6393% | 323 |
| Credit loss provision to net charge-offs | 58.9354% | 2,592 |
| Earnings coverage of net charge-offs (x) | 5.8593% | 2,805 |
| Efficiency ratio | 50.8766% | 5,513 |
| Assets per employee ($millions) | 4.5414% | 2,948 |
| Cash dividends to net income (ytd only)* | 84.1991% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,106 |
| Loan loss allowance to noncurrent loans | 37.7813% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.1962% | 705 |
| Noncurrent loans to loans | 3.8105% | 329 |
| Net loans and leases to total assets | 52.8516% | 4,605 |
| Net loans and leases to deposits | 62.4979% | 4,613 |
| Net loans and leases to core deposits | 67.8715% | 4,487 |
| Total domestic deposits to total assets | 84.5654% | 3,066 |
| Equity capital to assets | 15.1620% | 703 |
| Core capital (leverage) ratio | 15.0561% | 599 |
| Tier 1 risk-based capital ratio | 21.4893% | 1,202 |
| Total risk-based capital ratio | 22.5850% | 1,200 |
| Memoranda: | ||
| Average total assets | $154,785,330 | 3,488 |
| Average earning assets | $145,966,670 | 3,460 |
| Average equity | $23,182,670 | 2,900 |
| Average total loans | $82,276,000 | 3,789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,233 |
| Cost of funding earning assets | 0.6675% | 959 |
| Net interest margin | 3.9448% | 1,799 |
| Noninterest income to average assets | 0.1936% | 5,349 |
| Noninterest expense to average assets | 1.9616% | 5,410 |
| Loan and lease loss provision to assets | 0.1549% | 1,359 |
| Net operating income to assets | 1.7990% | 465 |
| Return on assets (ROA) | 1.7990% | 497 |
| Pretax return on assets | 1.7990% | 848 |
| Return on Equity (ROE) | 12.0857% | 1,292 |
| Retained earnings to average equity (ytd only) | -3.2599% | 5,495 |
| Net charge-offs to loans | 0.0390% | 2,215 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 94.6250% | 557 |
| Efficiency ratio | 50.0989% | 5,622 |
| Assets per employee ($millions) | 4.5542% | 2,975 |
| Cash dividends to net income (ytd only)* | 126.9727% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,491 |
| Loan loss allowance to noncurrent loans | 40.9201% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.2862% | 698 |
| Noncurrent loans to loans | 4.0233% | 300 |
| Net loans and leases to total assets | 52.1615% | 4,616 |
| Net loans and leases to deposits | 61.4017% | 4,624 |
| Net loans and leases to core deposits | 66.3177% | 4,517 |
| Total domestic deposits to total assets | 84.9513% | 3,149 |
| Equity capital to assets | 14.8420% | 731 |
| Core capital (leverage) ratio | 14.8605% | 627 |
| Tier 1 risk-based capital ratio | 20.6642% | 1,372 |
| Total risk-based capital ratio | 21.8805% | 1,358 |
| Memoranda: | ||
| Average total assets | $154,975,000 | 3,507 |
| Average earning assets | $146,217,500 | 3,474 |
| Average equity | $23,068,500 | 2,915 |
| Average total loans | $82,015,000 | 3,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,387 |
| Cost of funding earning assets | 0.6842% | 889 |
| Net interest margin | 3.8954% | 2,045 |
| Noninterest income to average assets | 0.3597% | 4,326 |
| Noninterest expense to average assets | 2.0482% | 5,358 |
| Loan and lease loss provision to assets | 0.2999% | 576 |
| Net operating income to assets | 1.7165% | 559 |
| Return on assets (ROA) | 1.7165% | 581 |
| Pretax return on assets | 1.7165% | 958 |
| Return on Equity (ROE) | 11.3064% | 1,502 |
| Retained earnings to average equity (ytd only) | -1.4259% | 5,702 |
| Net charge-offs to loans | 0.5950% | 407 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 6.7240% | 3,177 |
| Efficiency ratio | 50.3916% | 5,741 |
| Assets per employee ($millions) | 4.8471% | 2,533 |
| Cash dividends to net income (ytd only)* | 112.6113% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,653 |
| Loan loss allowance to noncurrent loans | 40.7268% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.3423% | 686 |
| Noncurrent loans to loans | 3.8970% | 318 |
| Net loans and leases to total assets | 51.9703% | 4,699 |
| Net loans and leases to deposits | 61.2540% | 4,688 |
| Net loans and leases to core deposits | 65.9362% | 4,598 |
| Total domestic deposits to total assets | 84.8439% | 3,155 |
| Equity capital to assets | 14.9285% | 683 |
| Core capital (leverage) ratio | 15.0043% | 616 |
| Tier 1 risk-based capital ratio | 21.7174% | 1,188 |
| Total risk-based capital ratio | 22.9365% | 1,169 |
| Memoranda: | ||
| Average total assets | $157,064,800 | 3,470 |
| Average earning assets | $149,380,000 | 3,415 |
| Average equity | $23,844,800 | 2,798 |
| Average total loans | $79,157,800 | 3,852 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 1,445 |
| Cost of funding earning assets | 0.6883% | 892 |
| Net interest margin | 3.8640% | 2,147 |
| Noninterest income to average assets | 0.3656% | 4,316 |
| Noninterest expense to average assets | 2.0894% | 5,295 |
| Loan and lease loss provision to assets | 0.1608% | 1,337 |
| Net operating income to assets | 1.8017% | 520 |
| Return on assets (ROA) | 1.8017% | 540 |
| Pretax return on assets | 1.8017% | 900 |
| Return on Equity (ROE) | 11.8190% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.7894% | 1,797 |
| Net charge-offs to loans | 0.3296% | 799 |
| Credit loss provision to net charge-offs | 97.9381% | 2,336 |
| Earnings coverage of net charge-offs (x) | 11.9536% | 2,445 |
| Efficiency ratio | 51.5664% | 5,676 |
| Assets per employee ($millions) | 4.8206% | 2,530 |
| Cash dividends to net income (ytd only)* | 42.5551% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,839 |
| Loan loss allowance to noncurrent loans | 41.1298% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 785 |
| Noncurrent loans to loans | 3.8553% | 357 |
| Net loans and leases to total assets | 52.1431% | 4,745 |
| Net loans and leases to deposits | 62.3414% | 4,697 |
| Net loans and leases to core deposits | 67.3544% | 4,600 |
| Total domestic deposits to total assets | 83.6413% | 3,551 |
| Equity capital to assets | 16.0281% | 561 |
| Core capital (leverage) ratio | 15.8130% | 515 |
| Tier 1 risk-based capital ratio | 23.4592% | 1,004 |
| Total risk-based capital ratio | 24.6890% | 993 |
| Memoranda: | ||
| Average total assets | $157,554,500 | 3,501 |
| Average earning assets | $150,308,250 | 3,428 |
| Average equity | $24,017,250 | 2,801 |
| Average total loans | $78,470,000 | 3,909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,587 |
| Cost of funding earning assets | 0.7002% | 843 |
| Net interest margin | 3.7824% | 2,393 |
| Noninterest income to average assets | 0.3643% | 4,333 |
| Noninterest expense to average assets | 1.9930% | 5,546 |
| Loan and lease loss provision to assets | 0.1702% | 1,225 |
| Net operating income to assets | 1.7964% | 522 |
| Return on assets (ROA) | 1.7964% | 545 |
| Pretax return on assets | 1.7964% | 902 |
| Return on Equity (ROE) | 11.9842% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.1653% | 1,633 |
| Net charge-offs to loans | 0.3050% | 871 |
| Credit loss provision to net charge-offs | 114.4068% | 1,873 |
| Earnings coverage of net charge-offs (x) | 13.2203% | 2,150 |
| Efficiency ratio | 50.3343% | 5,837 |
| Assets per employee ($millions) | 4.8728% | 2,432 |
| Cash dividends to net income (ytd only)* | 40.2105% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,714 |
| Loan loss allowance to noncurrent loans | 42.9410% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.2427% | 917 |
| Noncurrent loans to loans | 3.8656% | 413 |
| Net loans and leases to total assets | 50.0378% | 4,927 |
| Net loans and leases to deposits | 59.6331% | 4,881 |
| Net loans and leases to core deposits | 63.7102% | 4,828 |
| Total domestic deposits to total assets | 83.9094% | 3,608 |
| Equity capital to assets | 15.6064% | 586 |
| Core capital (leverage) ratio | 15.4072% | 556 |
| Tier 1 risk-based capital ratio | 23.1987% | 1,054 |
| Total risk-based capital ratio | 24.4486% | 1,039 |
| Memoranda: | ||
| Average total assets | $158,652,670 | 3,507 |
| Average earning assets | $150,804,330 | 3,442 |
| Average equity | $23,781,330 | 2,834 |
| Average total loans | $77,382,670 | 3,967 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 1,804 |
| Cost of funding earning assets | 0.7060% | 833 |
| Net interest margin | 3.6829% | 2,686 |
| Noninterest income to average assets | 0.2725% | 4,999 |
| Noninterest expense to average assets | 2.7473% | 3,424 |
| Loan and lease loss provision to assets | 0.2250% | 778 |
| Net operating income to assets | 0.7949% | 3,290 |
| Return on assets (ROA) | 0.7949% | 3,418 |
| Pretax return on assets | 0.7949% | 4,265 |
| Return on Equity (ROE) | 5.4117% | 4,327 |
| Retained earnings to average equity (ytd only) | 0.5616% | 5,206 |
| Net charge-offs to loans | 0.1623% | 1,296 |
| Credit loss provision to net charge-offs | 290.3226% | 830 |
| Earnings coverage of net charge-offs (x) | 13.1613% | 1,743 |
| Efficiency ratio | 72.9263% | 3,001 |
| Assets per employee ($millions) | 5.1452% | 2,175 |
| Cash dividends to net income (ytd only)* | 89.6226% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 1,598 |
| Loan loss allowance to noncurrent loans | 45.3756% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1473% | 1,073 |
| Noncurrent loans to loans | 3.8714% | 459 |
| Net loans and leases to total assets | 47.6505% | 5,070 |
| Net loans and leases to deposits | 56.0784% | 5,045 |
| Net loans and leases to core deposits | 60.4326% | 4,959 |
| Total domestic deposits to total assets | 84.9713% | 3,426 |
| Equity capital to assets | 14.7554% | 760 |
| Core capital (leverage) ratio | 14.2759% | 745 |
| Tier 1 risk-based capital ratio | 21.2832% | 1,372 |
| Total risk-based capital ratio | 22.5326% | 1,346 |
| Memoranda: | ||
| Average total assets | $160,014,000 | 3,505 |
| Average earning assets | $151,836,000 | 3,433 |
| Average equity | $23,504,500 | 2,884 |
| Average total loans | $76,403,500 | 4,008 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,111 |
| Cost of funding earning assets | 0.7550% | 826 |
| Net interest margin | 3.6814% | 3,080 |
| Noninterest income to average assets | 0.3105% | 4,901 |
| Noninterest expense to average assets | 1.7924% | 6,074 |
| Loan and lease loss provision to assets | 0.2418% | 971 |
| Net operating income to assets | 1.7837% | 491 |
| Return on assets (ROA) | 1.7757% | 511 |
| Pretax return on assets | 1.7757% | 838 |
| Return on Equity (ROE) | 12.6577% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.1952% | 1,318 |
| Net charge-offs to loans | 0.6282% | 626 |
| Credit loss provision to net charge-offs | 82.6638% | 2,816 |
| Earnings coverage of net charge-offs (x) | 6.9239% | 3,118 |
| Efficiency ratio | 46.9464% | 6,227 |
| Assets per employee ($millions) | 5.3509% | 1,902 |
| Cash dividends to net income (ytd only)* | 43.1557% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 1,717 |
| Loan loss allowance to noncurrent loans | 65.7895% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 1,755 |
| Noncurrent loans to loans | 2.6191% | 947 |
| Net loans and leases to total assets | 46.1885% | 5,309 |
| Net loans and leases to deposits | 54.2352% | 5,317 |
| Net loans and leases to core deposits | 58.5234% | 5,229 |
| Total domestic deposits to total assets | 85.1632% | 3,226 |
| Equity capital to assets | 14.6231% | 777 |
| Core capital (leverage) ratio | 14.5926% | 681 |
| Tier 1 risk-based capital ratio | 22.4037% | 1,164 |
| Total risk-based capital ratio | 23.6431% | 1,149 |
| Memoranda: | ||
| Average total assets | $161,685,800 | 3,466 |
| Average earning assets | $154,043,800 | 3,380 |
| Average equity | $22,681,800 | 2,883 |
| Average total loans | $75,290,400 | 4,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 2,178 |
| Cost of funding earning assets | 0.7588% | 858 |
| Net interest margin | 3.6550% | 3,206 |
| Noninterest income to average assets | 0.3087% | 4,972 |
| Noninterest expense to average assets | 1.7582% | 6,145 |
| Loan and lease loss provision to assets | 0.1111% | 2,190 |
| Net operating income to assets | 1.9286% | 399 |
| Return on assets (ROA) | 1.9179% | 419 |
| Pretax return on assets | 1.9179% | 689 |
| Return on Equity (ROE) | 13.8170% | 1,024 |
| Retained earnings to average equity (ytd only) | 8.3555% | 1,202 |
| Net charge-offs to loans | 0.3012% | 1,313 |
| Credit loss provision to net charge-offs | 79.4118% | 2,606 |
| Earnings coverage of net charge-offs (x) | 14.5765% | 2,132 |
| Efficiency ratio | 46.2939% | 6,286 |
| Assets per employee ($millions) | 5.2092% | 2,002 |
| Cash dividends to net income (ytd only)* | 39.5279% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 1,781 |
| Loan loss allowance to noncurrent loans | 45.5838% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.1098% | 1,331 |
| Noncurrent loans to loans | 3.8689% | 569 |
| Net loans and leases to total assets | 46.4629% | 5,333 |
| Net loans and leases to deposits | 54.4781% | 5,343 |
| Net loans and leases to core deposits | 58.8128% | 5,285 |
| Total domestic deposits to total assets | 85.2873% | 3,224 |
| Equity capital to assets | 14.3833% | 885 |
| Core capital (leverage) ratio | 14.3273% | 761 |
| Tier 1 risk-based capital ratio | 21.7603% | 1,299 |
| Total risk-based capital ratio | 23.0103% | 1,279 |
| Memoranda: | ||
| Average total assets | $161,975,500 | 3,493 |
| Average earning assets | $154,635,000 | 3,389 |
| Average equity | $22,483,750 | 2,905 |
| Average total loans | $75,251,750 | 4,052 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 2,162 |
| Cost of funding earning assets | 0.7617% | 874 |
| Net interest margin | 3.6429% | 3,177 |
| Noninterest income to average assets | 0.3022% | 4,990 |
| Noninterest expense to average assets | 1.7652% | 6,189 |
| Loan and lease loss provision to assets | 0.1110% | 2,174 |
| Net operating income to assets | 1.9008% | 409 |
| Return on assets (ROA) | 1.8848% | 434 |
| Pretax return on assets | 1.8848% | 706 |
| Return on Equity (ROE) | 13.7435% | 1,007 |
| Retained earnings to average equity (ytd only) | 8.3198% | 1,201 |
| Net charge-offs to loans | 0.3606% | 1,134 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 12.0815% | 2,091 |
| Efficiency ratio | 46.7342% | 6,333 |
| Assets per employee ($millions) | 5.4391% | 1,752 |
| Cash dividends to net income (ytd only)* | 39.4634% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 1,938 |
| Loan loss allowance to noncurrent loans | 44.5815% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 1,464 |
| Noncurrent loans to loans | 3.9621% | 603 |
| Net loans and leases to total assets | 45.5691% | 5,408 |
| Net loans and leases to deposits | 53.1171% | 5,414 |
| Net loans and leases to core deposits | 57.6198% | 5,297 |
| Total domestic deposits to total assets | 85.7898% | 3,158 |
| Equity capital to assets | 13.9362% | 996 |
| Core capital (leverage) ratio | 14.0699% | 810 |
| Tier 1 risk-based capital ratio | 21.3076% | 1,381 |
| Total risk-based capital ratio | 22.5575% | 1,360 |
| Memoranda: | ||
| Average total assets | $162,138,670 | 3,508 |
| Average earning assets | $154,655,670 | 3,399 |
| Average equity | $22,236,000 | 2,919 |
| Average total loans | $74,876,330 | 4,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,088 |
| Cost of funding earning assets | 0.7672% | 894 |
| Net interest margin | 3.6466% | 3,074 |
| Noninterest income to average assets | 0.2747% | 5,176 |
| Noninterest expense to average assets | 1.7819% | 6,243 |
| Loan and lease loss provision to assets | 0.1114% | 2,086 |
| Net operating income to assets | 1.8636% | 432 |
| Return on assets (ROA) | 1.8314% | 477 |
| Pretax return on assets | 1.8314% | 766 |
| Return on Equity (ROE) | 13.4643% | 1,046 |
| Retained earnings to average equity (ytd only) | 8.3333% | 1,483 |
| Net charge-offs to loans | 0.2363% | 1,372 |
| Credit loss provision to net charge-offs | 102.2727% | 1,626 |
| Earnings coverage of net charge-offs (x) | 18.1364% | 1,429 |
| Efficiency ratio | 47.4308% | 6,384 |
| Assets per employee ($millions) | 5.5774% | 1,635 |
| Cash dividends to net income (ytd only)* | 38.1081% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,925 |
| Loan loss allowance to noncurrent loans | 43.4087% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 2.2344% | 1,479 |
| Noncurrent loans to loans | 4.2425% | 606 |
| Net loans and leases to total assets | 45.5751% | 5,376 |
| Net loans and leases to deposits | 53.0286% | 5,378 |
| Net loans and leases to core deposits | 57.1851% | 5,269 |
| Total domestic deposits to total assets | 85.9445% | 3,394 |
| Equity capital to assets | 13.7526% | 1,012 |
| Core capital (leverage) ratio | 13.8250% | 880 |
| Tier 1 risk-based capital ratio | 21.1802% | 1,440 |
| Total risk-based capital ratio | 22.4306% | 1,413 |
| Memoranda: | ||
| Average total assets | $161,622,000 | 3,541 |
| Average earning assets | $154,333,500 | 3,432 |
| Average equity | $21,984,000 | 2,938 |
| Average total loans | $74,468,000 | 4,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 1,988 |
| Cost of funding earning assets | 0.9310% | 634 |
| Net interest margin | 3.6319% | 3,324 |
| Noninterest income to average assets | 0.3350% | 4,934 |
| Noninterest expense to average assets | 1.7237% | 6,416 |
| Loan and lease loss provision to assets | 0.1458% | 2,473 |
| Net operating income to assets | 1.9385% | 372 |
| Return on assets (ROA) | 1.9397% | 375 |
| Pretax return on assets | 1.9397% | 554 |
| Return on Equity (ROE) | 15.3103% | 713 |
| Retained earnings to average equity (ytd only) | 10.4990% | 488 |
| Net charge-offs to loans | 1.0301% | 551 |
| Credit loss provision to net charge-offs | 31.9092% | 4,211 |
| Earnings coverage of net charge-offs (x) | 4.5607% | 3,533 |
| Efficiency ratio | 45.2652% | 6,584 |
| Assets per employee ($millions) | 5.3833% | 1,760 |
| Cash dividends to net income (ytd only)* | 31.4250% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,849 |
| Loan loss allowance to noncurrent loans | 42.7864% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 1,507 |
| Noncurrent loans to loans | 4.3744% | 619 |
| Net loans and leases to total assets | 44.8644% | 5,594 |
| Net loans and leases to deposits | 51.9741% | 5,625 |
| Net loans and leases to core deposits | 55.9083% | 5,542 |
| Total domestic deposits to total assets | 86.3207% | 3,102 |
| Equity capital to assets | 13.4514% | 1,086 |
| Core capital (leverage) ratio | 13.4515% | 973 |
| Tier 1 risk-based capital ratio | 20.7147% | 1,484 |
| Total risk-based capital ratio | 21.9652% | 1,458 |
| Memoranda: | ||
| Average total assets | $163,888,200 | 3,501 |
| Average earning assets | $156,721,400 | 3,391 |
| Average equity | $20,763,800 | 3,077 |
| Average total loans | $72,711,800 | 4,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,950 |
| Cost of funding earning assets | 0.9655% | 590 |
| Net interest margin | 3.6197% | 3,362 |
| Noninterest income to average assets | 0.3413% | 4,962 |
| Noninterest expense to average assets | 1.7217% | 6,444 |
| Loan and lease loss provision to assets | 0.1151% | 2,850 |
| Net operating income to assets | 1.9657% | 384 |
| Return on assets (ROA) | 1.9673% | 396 |
| Pretax return on assets | 1.9673% | 619 |
| Return on Equity (ROE) | 15.7667% | 674 |
| Retained earnings to average equity (ytd only) | 11.1673% | 550 |
| Net charge-offs to loans | 1.0990% | 515 |
| Credit loss provision to net charge-offs | 23.7856% | 4,002 |
| Earnings coverage of net charge-offs (x) | 4.2998% | 3,474 |
| Efficiency ratio | 45.2782% | 6,619 |
| Assets per employee ($millions) | 5.2785% | 1,859 |
| Cash dividends to net income (ytd only)* | 29.1719% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,841 |
| Loan loss allowance to noncurrent loans | 43.8779% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3467% | 1,677 |
| Noncurrent loans to loans | 4.4525% | 736 |
| Net loans and leases to total assets | 44.0725% | 5,727 |
| Net loans and leases to deposits | 50.8773% | 5,781 |
| Net loans and leases to core deposits | 55.1829% | 5,687 |
| Total domestic deposits to total assets | 86.6251% | 2,903 |
| Equity capital to assets | 13.0186% | 1,326 |
| Core capital (leverage) ratio | 13.0562% | 1,181 |
| Tier 1 risk-based capital ratio | 19.8395% | 1,772 |
| Total risk-based capital ratio | 21.0907% | 1,741 |
| Memoranda: | ||
| Average total assets | $164,485,250 | 3,526 |
| Average earning assets | $157,282,000 | 3,419 |
| Average equity | $20,523,750 | 3,134 |
| Average total loans | $72,430,250 | 4,210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 1,961 |
| Cost of funding earning assets | 1.0043% | 536 |
| Net interest margin | 3.5644% | 3,505 |
| Noninterest income to average assets | 0.3508% | 4,882 |
| Noninterest expense to average assets | 1.6848% | 6,513 |
| Loan and lease loss provision to assets | 0.0692% | 3,654 |
| Net operating income to assets | 2.0089% | 351 |
| Return on assets (ROA) | 2.0089% | 374 |
| Pretax return on assets | 2.0089% | 598 |
| Return on Equity (ROE) | 16.3344% | 629 |
| Retained earnings to average equity (ytd only) | 11.1232% | 625 |
| Net charge-offs to loans | 1.4933% | 355 |
| Credit loss provision to net charge-offs | 10.5948% | 3,890 |
| Earnings coverage of net charge-offs (x) | 3.1822% | 3,460 |
| Efficiency ratio | 44.7742% | 6,687 |
| Assets per employee ($millions) | 5.3026% | 1,787 |
| Cash dividends to net income (ytd only)* | 31.9033% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 2,080 |
| Loan loss allowance to noncurrent loans | 58.3782% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.7660% | 2,466 |
| Noncurrent loans to loans | 3.2783% | 1,338 |
| Net loans and leases to total assets | 43.9935% | 5,738 |
| Net loans and leases to deposits | 50.7409% | 5,788 |
| Net loans and leases to core deposits | 55.4183% | 5,643 |
| Total domestic deposits to total assets | 86.7022% | 2,996 |
| Equity capital to assets | 12.6140% | 1,512 |
| Core capital (leverage) ratio | 12.6351% | 1,308 |
| Tier 1 risk-based capital ratio | 19.3936% | 1,885 |
| Total risk-based capital ratio | 20.6431% | 1,857 |
| Memoranda: | ||
| Average total assets | $164,768,670 | 3,543 |
| Average earning assets | $157,727,330 | 3,435 |
| Average equity | $20,264,000 | 3,181 |
| Average total loans | $72,055,330 | 4,237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 2,190 |
| Cost of funding earning assets | 1.0481% | 480 |
| Net interest margin | 3.4470% | 3,924 |
| Noninterest income to average assets | 0.3589% | 4,797 |
| Noninterest expense to average assets | 1.6464% | 6,623 |
| Loan and lease loss provision to assets | 0.0485% | 3,809 |
| Net operating income to assets | 1.9495% | 377 |
| Return on assets (ROA) | 1.9495% | 408 |
| Pretax return on assets | 1.9495% | 663 |
| Return on Equity (ROE) | 16.0571% | 601 |
| Retained earnings to average equity (ytd only) | 10.7846% | 919 |
| Net charge-offs to loans | 1.3929% | 394 |
| Credit loss provision to net charge-offs | 8.0645% | 3,166 |
| Earnings coverage of net charge-offs (x) | 3.3226% | 2,788 |
| Efficiency ratio | 45.1763% | 6,725 |
| Assets per employee ($millions) | 5.3724% | 1,777 |
| Cash dividends to net income (ytd only)* | 32.8358% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3229% | 1,373 |
| Loan loss allowance to noncurrent loans | 55.7828% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 2,284 |
| Noncurrent loans to loans | 4.1642% | 1,059 |
| Net loans and leases to total assets | 42.0138% | 5,839 |
| Net loans and leases to deposits | 48.0029% | 5,922 |
| Net loans and leases to core deposits | 51.8780% | 5,834 |
| Total domestic deposits to total assets | 87.5233% | 2,617 |
| Equity capital to assets | 12.1794% | 1,921 |
| Core capital (leverage) ratio | 12.2447% | 1,440 |
| Tier 1 risk-based capital ratio | 18.6308% | 2,145 |
| Total risk-based capital ratio | 19.8845% | 2,118 |
| Memoranda: | ||
| Average total assets | $164,962,500 | 3,581 |
| Average earning assets | $157,237,000 | 3,481 |
| Average equity | $20,028,500 | 3,248 |
| Average total loans | $71,219,000 | 4,300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 1,742 |
| Cost of funding earning assets | 1.2238% | 517 |
| Net interest margin | 3.7080% | 3,614 |
| Noninterest income to average assets | 0.4027% | 4,588 |
| Noninterest expense to average assets | 1.6048% | 6,802 |
| Loan and lease loss provision to assets | 0.3885% | 1,679 |
| Net operating income to assets | 1.9241% | 414 |
| Return on assets (ROA) | 1.9241% | 455 |
| Pretax return on assets | 1.9241% | 709 |
| Return on Equity (ROE) | 15.6350% | 717 |
| Retained earnings to average equity (ytd only) | -11.7501% | 6,691 |
| Net charge-offs to loans | 0.1676% | 4,036 |
| Credit loss provision to net charge-offs | 528.5714% | 458 |
| Earnings coverage of net charge-offs (x) | 31.4622% | 972 |
| Efficiency ratio | 40.9650% | 6,909 |
| Assets per employee ($millions) | 5.4461% | 1,740 |
| Cash dividends to net income (ytd only)* | 175.1525% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 956 |
| Loan loss allowance to noncurrent loans | 81.7632% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 2,871 |
| Noncurrent loans to loans | 3.2682% | 1,570 |
| Net loans and leases to total assets | 42.1778% | 5,990 |
| Net loans and leases to deposits | 48.1367% | 6,100 |
| Net loans and leases to core deposits | 51.9244% | 6,019 |
| Total domestic deposits to total assets | 87.6210% | 2,466 |
| Equity capital to assets | 12.1023% | 1,981 |
| Core capital (leverage) ratio | 12.0995% | 1,515 |
| Tier 1 risk-based capital ratio | 18.5456% | 2,091 |
| Total risk-based capital ratio | 19.8024% | 2,055 |
| Memoranda: | ||
| Average total assets | $161,894,000 | 3,586 |
| Average earning assets | $153,451,200 | 3,493 |
| Average equity | $19,923,200 | 3,210 |
| Average total loans | $70,986,800 | 4,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 1,727 |
| Cost of funding earning assets | 1.2548% | 546 |
| Net interest margin | 3.7296% | 3,658 |
| Noninterest income to average assets | 0.3781% | 4,796 |
| Noninterest expense to average assets | 1.6039% | 6,873 |
| Loan and lease loss provision to assets | 0.0702% | 4,792 |
| Net operating income to assets | 2.2296% | 266 |
| Return on assets (ROA) | 2.2296% | 298 |
| Pretax return on assets | 2.2296% | 457 |
| Return on Equity (ROE) | 18.0416% | 497 |
| Retained earnings to average equity (ytd only) | -15.6570% | 6,918 |
| Net charge-offs to loans | -0.0225% | 6,524 |
| Credit loss provision to net charge-offs | -708.3333% | 6,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0869% | 6,992 |
| Assets per employee ($millions) | 5.3951% | 1,733 |
| Cash dividends to net income (ytd only)* | 186.7829% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1006% | 1,905 |
| Loan loss allowance to noncurrent loans | 65.5295% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 3,324 |
| Noncurrent loans to loans | 3.2056% | 1,720 |
| Net loans and leases to total assets | 42.5871% | 6,077 |
| Net loans and leases to deposits | 48.7341% | 6,216 |
| Net loans and leases to core deposits | 52.7214% | 6,133 |
| Total domestic deposits to total assets | 87.3868% | 2,436 |
| Equity capital to assets | 12.2277% | 2,092 |
| Core capital (leverage) ratio | 12.1037% | 1,595 |
| Tier 1 risk-based capital ratio | 18.8782% | 2,048 |
| Total risk-based capital ratio | 20.1299% | 2,015 |
| Memoranda: | ||
| Average total assets | $161,522,000 | 3,628 |
| Average earning assets | $152,683,750 | 3,536 |
| Average equity | $19,960,750 | 3,245 |
| Average total loans | $71,032,750 | 4,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,688 |
| Cost of funding earning assets | 1.2829% | 565 |
| Net interest margin | 3.7578% | 3,552 |
| Noninterest income to average assets | 0.3854% | 4,756 |
| Noninterest expense to average assets | 1.6021% | 6,921 |
| Loan and lease loss provision to assets | 0.0743% | 4,696 |
| Net operating income to assets | 2.2402% | 267 |
| Return on assets (ROA) | 2.2402% | 303 |
| Pretax return on assets | 2.2402% | 460 |
| Return on Equity (ROE) | 18.0643% | 498 |
| Retained earnings to average equity (ytd only) | -28.8650% | 7,078 |
| Net charge-offs to loans | -0.1291% | 6,910 |
| Credit loss provision to net charge-offs | -130.4348% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9048% | 7,047 |
| Assets per employee ($millions) | 5.4143% | 1,693 |
| Cash dividends to net income (ytd only)* | 259.7898% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 1,987 |
| Loan loss allowance to noncurrent loans | 77.7429% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 3,824 |
| Noncurrent loans to loans | 2.7068% | 2,221 |
| Net loans and leases to total assets | 42.6177% | 6,139 |
| Net loans and leases to deposits | 48.5326% | 6,278 |
| Net loans and leases to core deposits | 52.4635% | 6,205 |
| Total domestic deposits to total assets | 87.8124% | 2,273 |
| Equity capital to assets | 11.8557% | 2,265 |
| Core capital (leverage) ratio | 11.8506% | 1,681 |
| Tier 1 risk-based capital ratio | 17.7277% | 2,388 |
| Total risk-based capital ratio | 18.9791% | 2,353 |
| Memoranda: | ||
| Average total assets | $161,411,330 | 3,637 |
| Average earning assets | $151,682,670 | 3,568 |
| Average equity | $20,017,330 | 3,218 |
| Average total loans | $71,241,000 | 4,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1049% | 1,559 |
| Cost of funding earning assets | 1.3045% | 621 |
| Net interest margin | 3.8004% | 3,392 |
| Noninterest income to average assets | 0.3480% | 5,075 |
| Noninterest expense to average assets | 1.6233% | 6,954 |
| Loan and lease loss provision to assets | 0.0746% | 4,464 |
| Net operating income to assets | 2.2423% | 265 |
| Return on assets (ROA) | 2.2423% | 318 |
| Pretax return on assets | 2.2423% | 501 |
| Return on Equity (ROE) | 17.6884% | 585 |
| Retained earnings to average equity (ytd only) | -67.5769% | 7,241 |
| Net charge-offs to loans | -0.0895% | 6,747 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1987% | 7,075 |
| Assets per employee ($millions) | 5.4042% | 1,780 |
| Cash dividends to net income (ytd only)* | 482.0399% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 2,338 |
| Loan loss allowance to noncurrent loans | 101.6370% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 4,348 |
| Noncurrent loans to loans | 1.9719% | 3,198 |
| Net loans and leases to total assets | 43.0674% | 6,097 |
| Net loans and leases to deposits | 48.8748% | 6,234 |
| Net loans and leases to core deposits | 52.8322% | 6,137 |
| Total domestic deposits to total assets | 88.1178% | 2,235 |
| Equity capital to assets | 11.5201% | 2,425 |
| Core capital (leverage) ratio | 11.4973% | 1,894 |
| Tier 1 risk-based capital ratio | 18.1752% | 2,228 |
| Total risk-based capital ratio | 19.4269% | 2,203 |
| Memoranda: | ||
| Average total assets | $160,903,000 | 3,667 |
| Average earning assets | $152,090,500 | 3,577 |
| Average equity | $20,397,500 | 3,180 |
| Average total loans | $71,506,000 | 4,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 2,173 |
| Cost of funding earning assets | 1.5110% | 685 |
| Net interest margin | 3.6620% | 4,468 |
| Noninterest income to average assets | 0.4225% | 4,431 |
| Noninterest expense to average assets | 1.6303% | 7,094 |
| Loan and lease loss provision to assets | 0.4231% | 2,477 |
| Net operating income to assets | 1.8597% | 414 |
| Return on assets (ROA) | 1.8597% | 448 |
| Pretax return on assets | 1.8597% | 716 |
| Return on Equity (ROE) | 13.7437% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.2217% | 1,399 |
| Net charge-offs to loans | 0.5675% | 2,752 |
| Credit loss provision to net charge-offs | 164.8515% | 1,650 |
| Earnings coverage of net charge-offs (x) | 8.8936% | 2,070 |
| Efficiency ratio | 41.6626% | 7,174 |
| Assets per employee ($millions) | 5.3227% | 1,811 |
| Cash dividends to net income (ytd only)* | 47.4547% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,488 |
| Loan loss allowance to noncurrent loans | 127.0221% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 4,881 |
| Noncurrent loans to loans | 1.5161% | 3,873 |
| Net loans and leases to total assets | 44.0747% | 6,206 |
| Net loans and leases to deposits | 51.3423% | 6,265 |
| Net loans and leases to core deposits | 54.6039% | 6,255 |
| Total domestic deposits to total assets | 85.8449% | 3,405 |
| Equity capital to assets | 13.8514% | 1,125 |
| Core capital (leverage) ratio | 13.7904% | 873 |
| Tier 1 risk-based capital ratio | 21.3112% | 1,357 |
| Total risk-based capital ratio | 22.5621% | 1,330 |
| Memoranda: | ||
| Average total assets | $157,394,400 | 3,670 |
| Average earning assets | $150,029,200 | 3,578 |
| Average equity | $21,297,000 | 2,977 |
| Average total loans | $71,186,400 | 4,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,442 |
| Cost of funding earning assets | 1.5532% | 712 |
| Net interest margin | 3.5839% | 4,835 |
| Noninterest income to average assets | 0.4327% | 4,417 |
| Noninterest expense to average assets | 1.6366% | 7,149 |
| Loan and lease loss provision to assets | 0.5662% | 1,735 |
| Net operating income to assets | 1.6570% | 698 |
| Return on assets (ROA) | 1.6570% | 762 |
| Pretax return on assets | 1.6570% | 1,238 |
| Return on Equity (ROE) | 12.3205% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.7778% | 2,691 |
| Net charge-offs to loans | 0.6587% | 2,277 |
| Credit loss provision to net charge-offs | 189.7436% | 1,535 |
| Earnings coverage of net charge-offs (x) | 7.4501% | 2,362 |
| Efficiency ratio | 42.4009% | 7,196 |
| Assets per employee ($millions) | 5.3283% | 1,777 |
| Cash dividends to net income (ytd only)* | 53.1044% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 2,293 |
| Loan loss allowance to noncurrent loans | 108.0572% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 4,700 |
| Noncurrent loans to loans | 1.8644% | 3,549 |
| Net loans and leases to total assets | 43.6625% | 6,363 |
| Net loans and leases to deposits | 50.7003% | 6,465 |
| Net loans and leases to core deposits | 53.8879% | 6,468 |
| Total domestic deposits to total assets | 86.1188% | 3,156 |
| Equity capital to assets | 13.4646% | 1,386 |
| Core capital (leverage) ratio | 13.3978% | 1,076 |
| Tier 1 risk-based capital ratio | 20.9135% | 1,472 |
| Total risk-based capital ratio | 22.1652% | 1,446 |
| Memoranda: | ||
| Average total assets | $156,822,750 | 3,710 |
| Average earning assets | $149,961,750 | 3,603 |
| Average equity | $21,091,750 | 2,996 |
| Average total loans | $71,042,750 | 4,490 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 2,697 |
| Cost of funding earning assets | 1.5897% | 724 |
| Net interest margin | 3.5070% | 5,126 |
| Noninterest income to average assets | 0.4326% | 4,410 |
| Noninterest expense to average assets | 1.6610% | 7,217 |
| Loan and lease loss provision to assets | 0.3286% | 2,814 |
| Net operating income to assets | 1.8099% | 491 |
| Return on assets (ROA) | 1.8099% | 525 |
| Pretax return on assets | 1.8099% | 864 |
| Return on Equity (ROE) | 13.4619% | 1,096 |
| Retained earnings to average equity (ytd only) | 6.8742% | 1,930 |
| Net charge-offs to loans | 0.0028% | 5,847 |
| Credit loss provision to net charge-offs | 25,600.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,666.0000% | 6 |
| Efficiency ratio | 43.7162% | 7,242 |
| Assets per employee ($millions) | 5.4525% | 1,611 |
| Cash dividends to net income (ytd only)* | 48.9362% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,601 |
| Loan loss allowance to noncurrent loans | 108.7816% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 4,929 |
| Noncurrent loans to loans | 1.7669% | 3,797 |
| Net loans and leases to total assets | 44.3727% | 6,409 |
| Net loans and leases to deposits | 51.5117% | 6,503 |
| Net loans and leases to core deposits | 55.0376% | 6,489 |
| Total domestic deposits to total assets | 86.1411% | 3,247 |
| Equity capital to assets | 13.4940% | 1,300 |
| Core capital (leverage) ratio | 13.5013% | 993 |
| Tier 1 risk-based capital ratio | 21.0904% | 1,403 |
| Total risk-based capital ratio | 22.3423% | 1,382 |
| Memoranda: | ||
| Average total assets | $155,814,000 | 3,751 |
| Average earning assets | $149,586,330 | 3,630 |
| Average equity | $20,948,000 | 3,006 |
| Average total loans | $70,980,670 | 4,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 2,841 |
| Cost of funding earning assets | 1.6280% | 732 |
| Net interest margin | 3.4253% | 5,321 |
| Noninterest income to average assets | 0.4448% | 4,328 |
| Noninterest expense to average assets | 1.6682% | 7,255 |
| Loan and lease loss provision to assets | 0.1164% | 4,557 |
| Net operating income to assets | 1.9578% | 369 |
| Return on assets (ROA) | 1.9578% | 384 |
| Pretax return on assets | 1.9578% | 598 |
| Return on Equity (ROE) | 14.5903% | 887 |
| Retained earnings to average equity (ytd only) | 7.9408% | 1,754 |
| Net charge-offs to loans | -0.1188% | 7,131 |
| Credit loss provision to net charge-offs | -214.2857% | 5,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5750% | 7,264 |
| Assets per employee ($millions) | 5.5826% | 1,505 |
| Cash dividends to net income (ytd only)* | 45.5746% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 3,392 |
| Loan loss allowance to noncurrent loans | 92.8739% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 4,930 |
| Noncurrent loans to loans | 1.8146% | 3,809 |
| Net loans and leases to total assets | 44.2609% | 6,449 |
| Net loans and leases to deposits | 51.3463% | 6,527 |
| Net loans and leases to core deposits | 55.2392% | 6,470 |
| Total domestic deposits to total assets | 86.2009% | 3,399 |
| Equity capital to assets | 13.4108% | 1,216 |
| Core capital (leverage) ratio | 13.5287% | 959 |
| Tier 1 risk-based capital ratio | 21.3966% | 1,327 |
| Total risk-based capital ratio | 22.6108% | 1,308 |
| Memoranda: | ||
| Average total assets | $154,660,000 | 3,799 |
| Average earning assets | $148,891,000 | 3,662 |
| Average equity | $20,753,500 | 3,018 |
| Average total loans | $70,702,000 | 4,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5174% | 2,216 |
| Cost of funding earning assets | 1.9512% | 722 |
| Net interest margin | 3.5662% | 4,977 |
| Noninterest income to average assets | 0.3705% | 5,136 |
| Noninterest expense to average assets | 1.7198% | 7,337 |
| Loan and lease loss provision to assets | 0.4801% | 3,254 |
| Net operating income to assets | 1.5874% | 632 |
| Return on assets (ROA) | 1.5874% | 691 |
| Pretax return on assets | 1.5874% | 1,153 |
| Return on Equity (ROE) | 11.6707% | 1,401 |
| Retained earnings to average equity (ytd only) | 5.7821% | 1,947 |
| Net charge-offs to loans | 0.9738% | 2,230 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.3060% | 2,975 |
| Efficiency ratio | 45.4098% | 7,375 |
| Assets per employee ($millions) | 5.1002% | 2,015 |
| Cash dividends to net income (ytd only)* | 50.4563% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 3,676 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 5,113 |
| Noncurrent loans to loans | 1.7344% | 3,897 |
| Net loans and leases to total assets | 45.6923% | 6,585 |
| Net loans and leases to deposits | 52.9905% | 6,674 |
| Net loans and leases to core deposits | 56.0628% | 6,689 |
| Total domestic deposits to total assets | 86.2273% | 3,240 |
| Equity capital to assets | 13.4269% | 1,202 |
| Core capital (leverage) ratio | 13.6109% | 956 |
| Tier 1 risk-based capital ratio | 21.1559% | 1,293 |
| Total risk-based capital ratio | 22.3124% | 1,288 |
| Memoranda: | ||
| Average total assets | $144,955,400 | 3,969 |
| Average earning assets | $138,887,400 | 3,840 |
| Average equity | $19,716,000 | 3,182 |
| Average total loans | $71,474,200 | 4,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 2,076 |
| Cost of funding earning assets | 2.0165% | 714 |
| Net interest margin | 3.5798% | 4,974 |
| Noninterest income to average assets | 0.3787% | 5,128 |
| Noninterest expense to average assets | 1.7293% | 7,413 |
| Loan and lease loss provision to assets | 0.6221% | 2,445 |
| Net operating income to assets | 1.4532% | 1,015 |
| Return on assets (ROA) | 1.4532% | 1,090 |
| Pretax return on assets | 1.4532% | 1,740 |
| Return on Equity (ROE) | 10.6478% | 1,889 |
| Retained earnings to average equity (ytd only) | 4.3944% | 3,401 |
| Net charge-offs to loans | 0.6612% | 2,774 |
| Credit loss provision to net charge-offs | 187.8873% | 1,918 |
| Earnings coverage of net charge-offs (x) | 6.2676% | 2,557 |
| Efficiency ratio | 45.4523% | 7,405 |
| Assets per employee ($millions) | 5.0589% | 2,102 |
| Cash dividends to net income (ytd only)* | 58.7292% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0055% | 2,204 |
| Loan loss allowance to noncurrent loans | 95.4031% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,924 |
| Noncurrent loans to loans | 2.1021% | 3,567 |
| Net loans and leases to total assets | 47.6951% | 6,549 |
| Net loans and leases to deposits | 55.5928% | 6,643 |
| Net loans and leases to core deposits | 58.7668% | 6,688 |
| Total domestic deposits to total assets | 85.7936% | 3,190 |
| Equity capital to assets | 13.7449% | 1,259 |
| Core capital (leverage) ratio | 13.6358% | 1,014 |
| Tier 1 risk-based capital ratio | 21.1361% | 1,339 |
| Total risk-based capital ratio | 22.3889% | 1,317 |
| Memoranda: | ||
| Average total assets | $142,942,750 | 4,059 |
| Average earning assets | $136,800,750 | 3,921 |
| Average equity | $19,509,000 | 3,251 |
| Average total loans | $71,584,750 | 4,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6690% | 1,874 |
| Cost of funding earning assets | 2.0784% | 712 |
| Net interest margin | 3.5906% | 4,861 |
| Noninterest income to average assets | 0.3741% | 5,136 |
| Noninterest expense to average assets | 1.7503% | 7,458 |
| Loan and lease loss provision to assets | 0.9203% | 1,583 |
| Net operating income to assets | 1.1321% | 1,747 |
| Return on assets (ROA) | 1.1321% | 1,813 |
| Pretax return on assets | 1.1321% | 2,663 |
| Return on Equity (ROE) | 8.3150% | 2,753 |
| Retained earnings to average equity (ytd only) | 1.0679% | 5,336 |
| Net charge-offs to loans | 0.8096% | 2,227 |
| Credit loss provision to net charge-offs | 224.8276% | 1,726 |
| Earnings coverage of net charge-offs (x) | 5.0138% | 2,779 |
| Efficiency ratio | 46.0282% | 7,440 |
| Assets per employee ($millions) | 5.1862% | 1,942 |
| Cash dividends to net income (ytd only)* | 87.1571% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 2,046 |
| Loan loss allowance to noncurrent loans | 242.1569% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 6,222 |
| Noncurrent loans to loans | 0.8517% | 5,563 |
| Net loans and leases to total assets | 48.4623% | 6,596 |
| Net loans and leases to deposits | 56.2722% | 6,705 |
| Net loans and leases to core deposits | 59.3168% | 6,752 |
| Total domestic deposits to total assets | 86.1212% | 3,018 |
| Equity capital to assets | 13.4519% | 1,364 |
| Core capital (leverage) ratio | 13.5314% | 1,046 |
| Tier 1 risk-based capital ratio | 20.6925% | 1,394 |
| Total risk-based capital ratio | 21.9467% | 1,364 |
| Memoranda: | ||
| Average total assets | $141,687,330 | 4,103 |
| Average earning assets | $135,296,330 | 3,994 |
| Average equity | $19,290,330 | 3,269 |
| Average total loans | $71,644,670 | 4,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7082% | 1,746 |
| Cost of funding earning assets | 2.1267% | 743 |
| Net interest margin | 3.5815% | 4,806 |
| Noninterest income to average assets | 0.4059% | 4,867 |
| Noninterest expense to average assets | 1.7409% | 7,533 |
| Loan and lease loss provision to assets | 1.8639% | 605 |
| Net operating income to assets | 0.2144% | 5,634 |
| Return on assets (ROA) | 0.2144% | 5,753 |
| Pretax return on assets | 0.2144% | 5,835 |
| Return on Equity (ROE) | 1.5651% | 5,937 |
| Retained earnings to average equity (ytd only) | -6.3855% | 6,686 |
| Net charge-offs to loans | 0.3634% | 2,962 |
| Credit loss provision to net charge-offs | 1,003.0769% | 455 |
| Earnings coverage of net charge-offs (x) | 11.1846% | 1,672 |
| Efficiency ratio | 45.5838% | 7,567 |
| Assets per employee ($millions) | 5.0344% | 2,189 |
| Cash dividends to net income (ytd only)* | 508.0000% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3716% | 1,461 |
| Loan loss allowance to noncurrent loans | 168.1773% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 5,309 |
| Noncurrent loans to loans | 1.4102% | 4,621 |
| Net loans and leases to total assets | 49.8500% | 6,476 |
| Net loans and leases to deposits | 57.9174% | 6,628 |
| Net loans and leases to core deposits | 61.1724% | 6,661 |
| Total domestic deposits to total assets | 86.0708% | 3,118 |
| Equity capital to assets | 13.4745% | 1,338 |
| Core capital (leverage) ratio | 13.6626% | 1,039 |
| Tier 1 risk-based capital ratio | 20.7506% | 1,383 |
| Total risk-based capital ratio | 22.0080% | 1,357 |
| Memoranda: | ||
| Average total assets | $139,924,000 | 4,196 |
| Average earning assets | $133,351,000 | 4,093 |
| Average equity | $19,168,500 | 3,309 |
| Average total loans | $71,539,000 | 4,799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 1,412 |
| Cost of funding earning assets | 2.4531% | 1,142 |
| Net interest margin | 3.6840% | 4,202 |
| Noninterest income to average assets | 0.4292% | 4,973 |
| Noninterest expense to average assets | 1.7667% | 7,643 |
| Loan and lease loss provision to assets | 0.2176% | 5,621 |
| Net operating income to assets | 1.9753% | 240 |
| Return on assets (ROA) | 1.9753% | 250 |
| Pretax return on assets | 1.9753% | 426 |
| Return on Equity (ROE) | 14.1509% | 757 |
| Retained earnings to average equity (ytd only) | 7.2009% | 901 |
| Net charge-offs to loans | 0.4210% | 4,115 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 10.0788% | 1,725 |
| Efficiency ratio | 44.6180% | 7,761 |
| Assets per employee ($millions) | 4.9602% | 2,270 |
| Cash dividends to net income (ytd only)* | 49.1135% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,375 |
| Loan loss allowance to noncurrent loans | 96.8858% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 5,104 |
| Noncurrent loans to loans | 1.6259% | 4,205 |
| Net loans and leases to total assets | 50.3877% | 6,594 |
| Net loans and leases to deposits | 58.8189% | 6,718 |
| Net loans and leases to core deposits | 77.7731% | 6,274 |
| Total domestic deposits to total assets | 85.6658% | 3,188 |
| Equity capital to assets | 13.9273% | 1,192 |
| Core capital (leverage) ratio | 14.2102% | 947 |
| Tier 1 risk-based capital ratio | 20.7730% | 1,330 |
| Total risk-based capital ratio | 21.9755% | 1,308 |
| Memoranda: | ||
| Average total assets | $134,206,200 | 4,257 |
| Average earning assets | $128,611,200 | 4,119 |
| Average equity | $18,733,800 | 3,388 |
| Average total loans | $69,365,000 | 4,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1969% | 1,387 |
| Cost of funding earning assets | 2.5261% | 1,217 |
| Net interest margin | 3.6708% | 4,199 |
| Noninterest income to average assets | 0.4400% | 4,965 |
| Noninterest expense to average assets | 1.7779% | 7,681 |
| Loan and lease loss provision to assets | 0.1002% | 6,364 |
| Net operating income to assets | 2.0906% | 240 |
| Return on assets (ROA) | 2.0906% | 265 |
| Pretax return on assets | 2.0906% | 455 |
| Return on Equity (ROE) | 14.9679% | 775 |
| Retained earnings to average equity (ytd only) | 8.0365% | 1,125 |
| Net charge-offs to loans | 0.2398% | 4,552 |
| Credit loss provision to net charge-offs | 80.6452% | 5,743 |
| Earnings coverage of net charge-offs (x) | 17.6289% | 1,394 |
| Efficiency ratio | 44.7980% | 7,812 |
| Assets per employee ($millions) | 4.7946% | 2,405 |
| Cash dividends to net income (ytd only)* | 46.3089% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 3,152 |
| Loan loss allowance to noncurrent loans | 88.2448% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,219 |
| Noncurrent loans to loans | 1.7700% | 3,965 |
| Net loans and leases to total assets | 51.4514% | 6,659 |
| Net loans and leases to deposits | 60.3891% | 6,800 |
| Net loans and leases to core deposits | 79.9891% | 6,353 |
| Total domestic deposits to total assets | 85.1999% | 3,127 |
| Equity capital to assets | 14.2504% | 1,224 |
| Core capital (leverage) ratio | 14.3386% | 999 |
| Tier 1 risk-based capital ratio | 21.5850% | 1,275 |
| Total risk-based capital ratio | 22.8223% | 1,257 |
| Memoranda: | ||
| Average total assets | $133,036,500 | 4,298 |
| Average earning assets | $127,889,750 | 4,153 |
| Average equity | $18,581,500 | 3,439 |
| Average total loans | $68,931,000 | 4,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2022% | 1,444 |
| Cost of funding earning assets | 2.6255% | 1,217 |
| Net interest margin | 3.5767% | 4,460 |
| Noninterest income to average assets | 0.4147% | 5,166 |
| Noninterest expense to average assets | 1.7326% | 7,799 |
| Loan and lease loss provision to assets | 0.0905% | 6,266 |
| Net operating income to assets | 2.0161% | 285 |
| Return on assets (ROA) | 2.0161% | 310 |
| Pretax return on assets | 2.0161% | 541 |
| Return on Equity (ROE) | 14.5339% | 900 |
| Retained earnings to average equity (ytd only) | 7.5550% | 1,374 |
| Net charge-offs to loans | 0.3123% | 3,628 |
| Credit loss provision to net charge-offs | 56.0748% | 5,661 |
| Earnings coverage of net charge-offs (x) | 13.0561% | 1,764 |
| Efficiency ratio | 45.1296% | 7,884 |
| Assets per employee ($millions) | 4.7446% | 2,406 |
| Cash dividends to net income (ytd only)* | 48.0180% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 2,951 |
| Loan loss allowance to noncurrent loans | 98.5308% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 5,347 |
| Noncurrent loans to loans | 1.5736% | 4,140 |
| Net loans and leases to total assets | 51.2853% | 6,756 |
| Net loans and leases to deposits | 60.0340% | 6,886 |
| Net loans and leases to core deposits | 77.8607% | 6,554 |
| Total domestic deposits to total assets | 85.4271% | 3,051 |
| Equity capital to assets | 14.0761% | 1,289 |
| Core capital (leverage) ratio | 14.1049% | 1,116 |
| Tier 1 risk-based capital ratio | 21.3152% | 1,345 |
| Total risk-based capital ratio | 22.5382% | 1,315 |
| Memoranda: | ||
| Average total assets | $132,632,330 | 4,336 |
| Average earning assets | $126,987,670 | 4,202 |
| Average equity | $18,398,330 | 3,490 |
| Average total loans | $68,518,330 | 5,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2218% | 1,528 |
| Cost of funding earning assets | 2.7432% | 1,131 |
| Net interest margin | 3.4787% | 4,809 |
| Noninterest income to average assets | 0.4165% | 5,085 |
| Noninterest expense to average assets | 1.6299% | 7,887 |
| Loan and lease loss provision to assets | 0.0905% | 5,799 |
| Net operating income to assets | 2.0223% | 336 |
| Return on assets (ROA) | 2.0223% | 384 |
| Pretax return on assets | 2.0223% | 643 |
| Return on Equity (ROE) | 14.6869% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.1765% | 1,742 |
| Net charge-offs to loans | 0.3462% | 2,701 |
| Credit loss provision to net charge-offs | 50.8475% | 4,664 |
| Earnings coverage of net charge-offs (x) | 11.8644% | 1,844 |
| Efficiency ratio | 43.5484% | 7,946 |
| Assets per employee ($millions) | 4.7688% | 2,339 |
| Cash dividends to net income (ytd only)* | 44.3284% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,585 |
| Loan loss allowance to noncurrent loans | 107.5937% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 5,108 |
| Noncurrent loans to loans | 1.4717% | 4,091 |
| Net loans and leases to total assets | 50.7819% | 6,785 |
| Net loans and leases to deposits | 59.2812% | 6,950 |
| Net loans and leases to core deposits | 75.6783% | 6,699 |
| Total domestic deposits to total assets | 85.6627% | 2,891 |
| Equity capital to assets | 13.8011% | 1,421 |
| Core capital (leverage) ratio | 13.8545% | 1,219 |
| Tier 1 risk-based capital ratio | 21.0692% | 1,440 |
| Total risk-based capital ratio | 22.3203% | 1,411 |
| Memoranda: | ||
| Average total assets | $132,524,000 | 4,364 |
| Average earning assets | $126,715,000 | 4,227 |
| Average equity | $18,247,500 | 3,525 |
| Average total loans | $68,175,000 | 5,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9050% | 1,377 |
| Cost of funding earning assets | 3.1833% | 1,246 |
| Net interest margin | 3.7217% | 4,375 |
| Noninterest income to average assets | 0.5330% | 4,375 |
| Noninterest expense to average assets | 1.6583% | 7,906 |
| Loan and lease loss provision to assets | 0.0713% | 6,506 |
| Net operating income to assets | 2.3559% | 171 |
| Return on assets (ROA) | 2.3559% | 167 |
| Pretax return on assets | 2.3559% | 267 |
| Return on Equity (ROE) | 17.3245% | 593 |
| Retained earnings to average equity (ytd only) | 9.7076% | 493 |
| Net charge-offs to loans | 0.1395% | 4,830 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 34.0556% | 1,065 |
| Efficiency ratio | 40.5893% | 8,116 |
| Assets per employee ($millions) | 4.8712% | 2,084 |
| Cash dividends to net income (ytd only)* | 43.9664% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 2,031 |
| Loan loss allowance to noncurrent loans | 154.6961% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,640 |
| Noncurrent loans to loans | 1.0734% | 4,420 |
| Net loans and leases to total assets | 50.4341% | 6,988 |
| Net loans and leases to deposits | 58.7971% | 7,158 |
| Net loans and leases to core deposits | 74.3549% | 6,950 |
| Total domestic deposits to total assets | 85.7765% | 2,505 |
| Equity capital to assets | 13.7369% | 1,527 |
| Core capital (leverage) ratio | 14.0965% | 1,239 |
| Tier 1 risk-based capital ratio | 20.7809% | 1,487 |
| Total risk-based capital ratio | 22.0312% | 1,468 |
| Memoranda: | ||
| Average total assets | $126,276,600 | 4,366 |
| Average earning assets | $120,535,000 | 4,246 |
| Average equity | $17,172,200 | 3,706 |
| Average total loans | $64,510,600 | 5,078 |