Home > Bank of St. Elizabeth > Performance and Condition Ratios
Bank of St. Elizabeth, Performance and Condition Ratios
| 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 | 4.3786% | 608 |
| Cost of funding earning assets | 0.3933% | 1,336 |
| Net interest margin | 3.9852% | 654 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.1667% | 3,015 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.9795% | 294 |
| Return on assets (ROA) | 1.9795% | 296 |
| Pretax return on assets | 1.9795% | 484 |
| Return on Equity (ROE) | 13.0200% | 1,691 |
| Retained earnings to average equity (ytd only) | 6.4154% | 2,588 |
| Net charge-offs to loans | 0.0035% | 2,092 |
| Credit loss provision to net charge-offs | 2,300.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 185 |
| Efficiency ratio | 50.1898% | 4,146 |
| Assets per employee ($millions) | 6.6395% | 2,205 |
| Cash dividends to net income (ytd only)* | 50.7160% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0531% | 4,647 |
| Loan loss allowance to noncurrent loans | 586.6667% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,938 |
| Noncurrent loans to loans | 0.0091% | 3,884 |
| Net loans and leases to total assets | 73.3700% | 1,147 |
| Net loans and leases to deposits | 90.6604% | 849 |
| Net loans and leases to core deposits | 91.7731% | 1,196 |
| Total domestic deposits to total assets | 80.9300% | 3,992 |
| Equity capital to assets | 15.6076% | 403 |
| Core capital (leverage) ratio | 10.1392% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7163% | 1,501 |
| Memoranda: | ||
| Average total assets | $225,774,750 | 2,886 |
| Average earning assets | $194,579,750 | 2,990 |
| Average equity | $34,333,000 | 2,173 |
| Average total loans | $151,414,250 | 2,625 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 1,088 |
| Cost of funding earning assets | 0.3864% | 1,013 |
| Net interest margin | 3.5281% | 1,240 |
| Noninterest income to average assets | 0.7954% | 1,056 |
| Noninterest expense to average assets | 2.1020% | 3,138 |
| Loan and lease loss provision to assets | 0.0815% | 1,207 |
| Net operating income to assets | 1.7742% | 360 |
| Return on assets (ROA) | 1.7742% | 352 |
| Pretax return on assets | 1.7742% | 635 |
| Return on Equity (ROE) | 11.7709% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.3948% | 2,556 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5667% | 4,161 |
| Assets per employee ($millions) | 6.4984% | 2,317 |
| Cash dividends to net income (ytd only)* | 54.1687% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0607% | 4,713 |
| Loan loss allowance to noncurrent loans | 541.1765% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,969 |
| Noncurrent loans to loans | 0.0112% | 3,898 |
| Net loans and leases to total assets | 64.7425% | 1,828 |
| Net loans and leases to deposits | 79.0192% | 1,463 |
| Net loans and leases to core deposits | 79.9924% | 1,717 |
| Total domestic deposits to total assets | 81.9327% | 4,013 |
| Equity capital to assets | 14.7468% | 432 |
| Core capital (leverage) ratio | 9.5232% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8100% | 1,479 |
| Memoranda: | ||
| Average total assets | $225,785,667 | 2,910 |
| Average earning assets | $202,377,000 | 2,975 |
| Average equity | $34,033,000 | 2,229 |
| Average total loans | $146,645,333 | 2,677 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 1,032 |
| Cost of funding earning assets | 0.4066% | 835 |
| Net interest margin | 3.4227% | 1,252 |
| Noninterest income to average assets | 0.7920% | 1,063 |
| Noninterest expense to average assets | 2.1073% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7374% | 379 |
| Return on assets (ROA) | 1.7374% | 381 |
| Pretax return on assets | 1.7374% | 637 |
| Return on Equity (ROE) | 11.3964% | 1,491 |
| Retained earnings to average equity (ytd only) | 5.1834% | 2,522 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0267% | 4,122 |
| Assets per employee ($millions) | 6.1630% | 2,655 |
| Cash dividends to net income (ytd only)* | 54.5171% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,820 |
| Noncurrent loans to loans | 0.2193% | 2,719 |
| Net loans and leases to total assets | 62.9841% | 1,743 |
| Net loans and leases to deposits | 77.1338% | 1,351 |
| Net loans and leases to core deposits | 78.2308% | 1,597 |
| Total domestic deposits to total assets | 81.6556% | 4,121 |
| Equity capital to assets | 14.9185% | 405 |
| Core capital (leverage) ratio | 10.2394% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3540% | 1,413 |
| Memoranda: | ||
| Average total assets | $221,707,500 | 2,952 |
| Average earning assets | $197,741,000 | 3,020 |
| Average equity | $33,800,000 | 2,294 |
| Average total loans | $144,192,000 | 2,696 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 312 |
| Cost of funding earning assets | 0.4940% | 962 |
| Net interest margin | 4.3940% | 339 |
| Noninterest income to average assets | 1.1183% | 837 |
| Noninterest expense to average assets | 2.8216% | 1,310 |
| Loan and lease loss provision to assets | 0.0154% | 2,772 |
| Net operating income to assets | 2.3419% | 192 |
| Return on assets (ROA) | 2.3419% | 203 |
| Pretax return on assets | 2.3419% | 324 |
| Return on Equity (ROE) | 18.8394% | 394 |
| Retained earnings to average equity (ytd only) | 7.0932% | 1,888 |
| Net charge-offs to loans | 0.0196% | 1,882 |
| Credit loss provision to net charge-offs | 107.1429% | 1,732 |
| Earnings coverage of net charge-offs (x) | 163.7500% | 618 |
| Efficiency ratio | 54.4823% | 3,881 |
| Assets per employee ($millions) | 5.6680% | 3,104 |
| Cash dividends to net income (ytd only)* | 62.3491% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 2,971 |
| Noncurrent loans to loans | 0.2059% | 2,924 |
| Net loans and leases to total assets | 67.2105% | 1,345 |
| Net loans and leases to deposits | 83.1815% | 973 |
| Net loans and leases to core deposits | 84.7427% | 1,281 |
| Total domestic deposits to total assets | 80.7998% | 4,124 |
| Equity capital to assets | 15.5913% | 423 |
| Core capital (leverage) ratio | 10.7282% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1539% | 1,464 |
| Memoranda: | ||
| Average total assets | $194,499,800 | 3,103 |
| Average earning assets | $179,743,200 | 3,093 |
| Average equity | $24,178,000 | 2,903 |
| Average total loans | $142,570,000 | 2,700 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 241 |
| Cost of funding earning assets | 0.5130% | 985 |
| Net interest margin | 4.6217% | 253 |
| Noninterest income to average assets | 1.1566% | 854 |
| Noninterest expense to average assets | 2.7979% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.6866% | 175 |
| Return on assets (ROA) | 2.6866% | 179 |
| Pretax return on assets | 2.6866% | 257 |
| Return on Equity (ROE) | 23.2975% | 241 |
| Retained earnings to average equity (ytd only) | 14.3792% | 472 |
| Net charge-offs to loans | -0.0019% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0146% | 4,121 |
| Assets per employee ($millions) | 5.1011% | 3,604 |
| Cash dividends to net income (ytd only)* | 38.2800% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 4,748 |
| Loan loss allowance to noncurrent loans | 327.8351% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 3,453 |
| Noncurrent loans to loans | 0.1344% | 3,433 |
| Net loans and leases to total assets | 72.2252% | 851 |
| Net loans and leases to deposits | 85.4512% | 863 |
| Net loans and leases to core deposits | 87.3116% | 1,196 |
| Total domestic deposits to total assets | 84.5222% | 3,290 |
| Equity capital to assets | 11.4973% | 1,683 |
| Core capital (leverage) ratio | 10.5624% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2663% | 1,294 |
| Memoranda: | ||
| Average total assets | $189,279,000 | 3,172 |
| Average earning assets | $177,247,500 | 3,150 |
| Average equity | $21,827,250 | 3,107 |
| Average total loans | $142,022,500 | 2,746 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6388% | 144 |
| Cost of funding earning assets | 0.5345% | 1,013 |
| Net interest margin | 5.1044% | 149 |
| Noninterest income to average assets | 1.1921% | 810 |
| Noninterest expense to average assets | 2.9346% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.0313% | 124 |
| Return on assets (ROA) | 3.0313% | 130 |
| Pretax return on assets | 3.0313% | 184 |
| Return on Equity (ROE) | 26.2586% | 163 |
| Retained earnings to average equity (ytd only) | 16.8539% | 281 |
| Net charge-offs to loans | -0.0042% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1892% | 4,306 |
| Assets per employee ($millions) | 5.0897% | 3,571 |
| Cash dividends to net income (ytd only)* | 35.8156% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 4,773 |
| Loan loss allowance to noncurrent loans | 9,100.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,267 |
| Noncurrent loans to loans | 0.0050% | 4,232 |
| Net loans and leases to total assets | 74.6442% | 705 |
| Net loans and leases to deposits | 89.1919% | 702 |
| Net loans and leases to core deposits | 91.2632% | 1,051 |
| Total domestic deposits to total assets | 83.6895% | 3,523 |
| Equity capital to assets | 11.8569% | 1,432 |
| Core capital (leverage) ratio | 10.6134% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4762% | 1,234 |
| Memoranda: | ||
| Average total assets | $186,057,667 | 3,202 |
| Average earning assets | $174,007,333 | 3,183 |
| Average equity | $21,478,667 | 3,131 |
| Average total loans | $141,255,667 | 2,766 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4816% | 66 |
| Cost of funding earning assets | 0.5566% | 1,067 |
| Net interest margin | 5.9251% | 68 |
| Noninterest income to average assets | 1.1724% | 886 |
| Noninterest expense to average assets | 3.1429% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.5560% | 105 |
| Return on assets (ROA) | 3.5560% | 112 |
| Pretax return on assets | 3.5560% | 140 |
| Return on Equity (ROE) | 31.2347% | 119 |
| Retained earnings to average equity (ytd only) | 19.6452% | 282 |
| Net charge-offs to loans | -0.0057% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9164% | 4,412 |
| Assets per employee ($millions) | 5.1497% | 3,487 |
| Cash dividends to net income (ytd only)* | 37.1046% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4458% | 4,804 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,856 |
| Noncurrent loans to loans | 0.3343% | 2,897 |
| Net loans and leases to total assets | 76.6115% | 578 |
| Net loans and leases to deposits | 91.3576% | 626 |
| Net loans and leases to core deposits | 93.5060% | 1,013 |
| Total domestic deposits to total assets | 83.8589% | 3,478 |
| Equity capital to assets | 11.6258% | 1,478 |
| Core capital (leverage) ratio | 10.6715% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2389% | 1,233 |
| Memoranda: | ||
| Average total assets | $184,926,500 | 3,207 |
| Average earning assets | $172,487,000 | 3,188 |
| Average equity | $21,053,500 | 3,154 |
| Average total loans | $141,280,000 | 2,770 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 360 |
| Cost of funding earning assets | 0.8094% | 1,167 |
| Net interest margin | 4.3483% | 459 |
| Noninterest income to average assets | 0.9540% | 1,138 |
| Noninterest expense to average assets | 2.9778% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0226% | 253 |
| Return on assets (ROA) | 2.0226% | 267 |
| Pretax return on assets | 2.0226% | 440 |
| Return on Equity (ROE) | 17.5543% | 364 |
| Retained earnings to average equity (ytd only) | 10.3255% | 527 |
| Net charge-offs to loans | 0.0051% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 489.1429% | 240 |
| Efficiency ratio | 59.5511% | 3,513 |
| Assets per employee ($millions) | 5.1240% | 3,261 |
| Cash dividends to net income (ytd only)* | 41.1799% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4532% | 4,820 |
| Loan loss allowance to noncurrent loans | 364.3678% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,842 |
| Noncurrent loans to loans | 0.1244% | 3,783 |
| Net loans and leases to total assets | 75.4948% | 846 |
| Net loans and leases to deposits | 89.4924% | 960 |
| Net loans and leases to core deposits | 92.1446% | 1,374 |
| Total domestic deposits to total assets | 84.3589% | 2,997 |
| Equity capital to assets | 11.1426% | 2,139 |
| Core capital (leverage) ratio | 9.8605% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1980% | 1,471 |
| Memoranda: | ||
| Average total assets | $169,286,200 | 3,199 |
| Average earning assets | $157,533,400 | 3,190 |
| Average equity | $19,505,200 | 3,230 |
| Average total loans | $138,048,000 | 2,770 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 308 |
| Cost of funding earning assets | 0.8498% | 1,260 |
| Net interest margin | 4.5089% | 366 |
| Noninterest income to average assets | 0.9209% | 1,169 |
| Noninterest expense to average assets | 2.9310% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1833% | 210 |
| Return on assets (ROA) | 2.1833% | 229 |
| Pretax return on assets | 2.1833% | 355 |
| Return on Equity (ROE) | 18.7769% | 307 |
| Retained earnings to average equity (ytd only) | 11.1553% | 544 |
| Net charge-offs to loans | 0.0078% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 338.7500% | 324 |
| Efficiency ratio | 57.3094% | 3,761 |
| Assets per employee ($millions) | 5.0463% | 3,190 |
| Cash dividends to net income (ytd only)* | 40.5904% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 4,854 |
| Loan loss allowance to noncurrent loans | 240.6844% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 3,691 |
| Noncurrent loans to loans | 0.1854% | 3,648 |
| Net loans and leases to total assets | 77.7522% | 864 |
| Net loans and leases to deposits | 92.2214% | 1,055 |
| Net loans and leases to core deposits | 95.3149% | 1,522 |
| Total domestic deposits to total assets | 84.3103% | 2,705 |
| Equity capital to assets | 11.0917% | 2,327 |
| Core capital (leverage) ratio | 9.8856% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7131% | 1,586 |
| Memoranda: | ||
| Average total assets | $165,492,000 | 3,213 |
| Average earning assets | $153,915,250 | 3,204 |
| Average equity | $19,243,000 | 3,255 |
| Average total loans | $137,586,500 | 2,779 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 240 |
| Cost of funding earning assets | 0.8926% | 1,408 |
| Net interest margin | 4.7851% | 292 |
| Noninterest income to average assets | 0.9194% | 1,125 |
| Noninterest expense to average assets | 3.0831% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2898% | 197 |
| Return on assets (ROA) | 2.2898% | 212 |
| Pretax return on assets | 2.2898% | 309 |
| Return on Equity (ROE) | 19.3552% | 275 |
| Retained earnings to average equity (ytd only) | 10.9077% | 614 |
| Net charge-offs to loans | 0.0132% | 2,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 203.6667% | 437 |
| Efficiency ratio | 57.3820% | 3,767 |
| Assets per employee ($millions) | 5.1808% | 2,962 |
| Cash dividends to net income (ytd only)* | 43.6443% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 4,883 |
| Loan loss allowance to noncurrent loans | 205.8632% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,609 |
| Noncurrent loans to loans | 0.2159% | 3,603 |
| Net loans and leases to total assets | 80.3745% | 558 |
| Net loans and leases to deposits | 95.5195% | 833 |
| Net loans and leases to core deposits | 98.8149% | 1,347 |
| Total domestic deposits to total assets | 84.1446% | 2,706 |
| Equity capital to assets | 11.1117% | 2,241 |
| Core capital (leverage) ratio | 10.1606% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6464% | 1,586 |
| Memoranda: | ||
| Average total assets | $160,100,333 | 3,248 |
| Average earning assets | $149,005,000 | 3,233 |
| Average equity | $18,940,667 | 3,277 |
| Average total loans | $136,154,333 | 2,793 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 365 |
| Cost of funding earning assets | 0.9582% | 1,616 |
| Net interest margin | 4.5615% | 439 |
| Noninterest income to average assets | 0.9863% | 885 |
| Noninterest expense to average assets | 3.4588% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7596% | 444 |
| Return on assets (ROA) | 1.7596% | 493 |
| Pretax return on assets | 1.7596% | 756 |
| Return on Equity (ROE) | 14.3682% | 633 |
| Retained earnings to average equity (ytd only) | 3.6296% | 2,832 |
| Net charge-offs to loans | -0.0030% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2802% | 2,915 |
| Assets per employee ($millions) | 4.4327% | 3,359 |
| Cash dividends to net income (ytd only)* | 74.7384% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 4,891 |
| Loan loss allowance to noncurrent loans | 218.3673% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 3,674 |
| Noncurrent loans to loans | 0.2189% | 3,698 |
| Net loans and leases to total assets | 86.1754% | 130 |
| Net loans and leases to deposits | 102.8510% | 415 |
| Net loans and leases to core deposits | 107.3475% | 973 |
| Total domestic deposits to total assets | 83.7867% | 2,858 |
| Equity capital to assets | 12.0591% | 2,024 |
| Core capital (leverage) ratio | 10.6360% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,076,500 | 3,304 |
| Average earning assets | $141,093,500 | 3,294 |
| Average equity | $18,624,500 | 3,308 |
| Average total loans | $133,126,500 | 2,804 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5740% | 495 |
| Cost of funding earning assets | 0.9702% | 1,859 |
| Net interest margin | 4.6039% | 566 |
| Noninterest income to average assets | 0.8585% | 1,278 |
| Noninterest expense to average assets | 3.1010% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0078% | 343 |
| Return on assets (ROA) | 2.0078% | 357 |
| Pretax return on assets | 2.0078% | 589 |
| Return on Equity (ROE) | 16.5333% | 472 |
| Retained earnings to average equity (ytd only) | 7.6205% | 1,107 |
| Net charge-offs to loans | 0.0240% | 2,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 98.9333% | 686 |
| Efficiency ratio | 60.6992% | 3,587 |
| Assets per employee ($millions) | 4.2574% | 3,571 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4859% | 4,902 |
| Loan loss allowance to noncurrent loans | 330.4124% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 3,919 |
| Noncurrent loans to loans | 0.1471% | 3,938 |
| Net loans and leases to total assets | 88.0980% | 83 |
| Net loans and leases to deposits | 102.7690% | 430 |
| Net loans and leases to core deposits | 108.2904% | 959 |
| Total domestic deposits to total assets | 85.7244% | 2,180 |
| Equity capital to assets | 12.4422% | 1,854 |
| Core capital (leverage) ratio | 10.5440% | 2,906 |
| Tier 1 risk-based capital ratio | 16.1287% | 2,362 |
| Total risk-based capital ratio | 16.7820% | 2,501 |
| Memoranda: | ||
| Average total assets | $147,824,000 | 3,326 |
| Average earning assets | $136,472,400 | 3,335 |
| Average equity | $17,951,600 | 3,346 |
| Average total loans | $124,746,000 | 2,879 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 560 |
| Cost of funding earning assets | 0.9615% | 1,932 |
| Net interest margin | 4.5681% | 663 |
| Noninterest income to average assets | 0.8342% | 1,317 |
| Noninterest expense to average assets | 3.0285% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0181% | 381 |
| Return on assets (ROA) | 2.0181% | 396 |
| Pretax return on assets | 2.0181% | 662 |
| Return on Equity (ROE) | 16.7220% | 515 |
| Retained earnings to average equity (ytd only) | 10.7311% | 575 |
| Net charge-offs to loans | 0.0173% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 139.5809% | 570 |
| Efficiency ratio | 60.0107% | 3,647 |
| Assets per employee ($millions) | 4.3613% | 3,395 |
| Cash dividends to net income (ytd only)* | 35.8262% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,945 |
| Loan loss allowance to noncurrent loans | 496.2121% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,166 |
| Noncurrent loans to loans | 0.1046% | 4,171 |
| Net loans and leases to total assets | 82.2669% | 537 |
| Net loans and leases to deposits | 95.4059% | 1,084 |
| Net loans and leases to core deposits | 100.5605% | 1,620 |
| Total domestic deposits to total assets | 86.2284% | 1,892 |
| Equity capital to assets | 12.1883% | 2,124 |
| Core capital (leverage) ratio | 10.5631% | 3,046 |
| Tier 1 risk-based capital ratio | 16.7910% | 2,152 |
| Total risk-based capital ratio | 17.4831% | 2,283 |
| Memoranda: | ||
| Average total assets | $147,527,750 | 3,367 |
| Average earning assets | $136,040,000 | 3,372 |
| Average equity | $17,804,500 | 3,382 |
| Average total loans | $122,953,750 | 2,939 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5235% | 541 |
| Cost of funding earning assets | 0.9049% | 2,116 |
| Net interest margin | 4.6186% | 595 |
| Noninterest income to average assets | 0.7955% | 1,365 |
| Noninterest expense to average assets | 3.0311% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0066% | 383 |
| Return on assets (ROA) | 2.0066% | 404 |
| Pretax return on assets | 2.0066% | 670 |
| Return on Equity (ROE) | 16.6841% | 500 |
| Retained earnings to average equity (ytd only) | 10.9821% | 544 |
| Net charge-offs to loans | 0.0263% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 91.4375% | 739 |
| Efficiency ratio | 60.1688% | 3,700 |
| Assets per employee ($millions) | 4.3372% | 3,388 |
| Cash dividends to net income (ytd only)* | 34.1763% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5222% | 4,989 |
| Loan loss allowance to noncurrent loans | 808.6420% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,380 |
| Noncurrent loans to loans | 0.0646% | 4,390 |
| Net loans and leases to total assets | 82.2006% | 572 |
| Net loans and leases to deposits | 95.0156% | 1,150 |
| Net loans and leases to core deposits | 99.5556% | 1,762 |
| Total domestic deposits to total assets | 86.5128% | 1,815 |
| Equity capital to assets | 11.9464% | 2,228 |
| Core capital (leverage) ratio | 10.5296% | 3,056 |
| Tier 1 risk-based capital ratio | 16.1348% | 2,353 |
| Total risk-based capital ratio | 16.8201% | 2,527 |
| Memoranda: | ||
| Average total assets | $145,821,330 | 3,406 |
| Average earning assets | $133,937,000 | 3,425 |
| Average equity | $17,537,670 | 3,414 |
| Average total loans | $121,860,670 | 2,963 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 518 |
| Cost of funding earning assets | 0.8891% | 2,054 |
| Net interest margin | 4.6198% | 586 |
| Noninterest income to average assets | 0.7673% | 1,373 |
| Noninterest expense to average assets | 3.2262% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7755% | 613 |
| Return on assets (ROA) | 1.7755% | 629 |
| Pretax return on assets | 1.7755% | 1,033 |
| Return on Equity (ROE) | 14.7108% | 809 |
| Retained earnings to average equity (ytd only) | 3.1092% | 3,694 |
| Net charge-offs to loans | 0.0500% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 42.2667% | 1,119 |
| Efficiency ratio | 64.5017% | 3,161 |
| Assets per employee ($millions) | 4.2823% | 3,508 |
| Cash dividends to net income (ytd only)* | 78.8644% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 5,033 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,420 |
| Noncurrent loans to loans | 0.0132% | 4,724 |
| Net loans and leases to total assets | 82.8843% | 483 |
| Net loans and leases to deposits | 95.8119% | 986 |
| Net loans and leases to core deposits | 99.7528% | 1,645 |
| Total domestic deposits to total assets | 86.5073% | 2,065 |
| Equity capital to assets | 11.8862% | 2,097 |
| Core capital (leverage) ratio | 10.2790% | 3,297 |
| Tier 1 risk-based capital ratio | 15.6868% | 2,573 |
| Total risk-based capital ratio | 16.3920% | 2,732 |
| Memoranda: | ||
| Average total assets | $142,830,500 | 3,492 |
| Average earning assets | $130,916,000 | 3,502 |
| Average equity | $17,239,000 | 3,454 |
| Average total loans | $120,072,000 | 3,018 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 478 |
| Cost of funding earning assets | 0.4968% | 3,382 |
| Net interest margin | 4.9013% | 322 |
| Noninterest income to average assets | 0.8825% | 1,223 |
| Noninterest expense to average assets | 3.2469% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1366% | 279 |
| Return on assets (ROA) | 2.1366% | 272 |
| Pretax return on assets | 2.1366% | 406 |
| Return on Equity (ROE) | 17.0346% | 492 |
| Retained earnings to average equity (ytd only) | 5.3278% | 2,580 |
| Net charge-offs to loans | 0.0072% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 356.5000% | 291 |
| Efficiency ratio | 60.3117% | 3,803 |
| Assets per employee ($millions) | 4.1195% | 3,720 |
| Cash dividends to net income (ytd only)* | 68.7237% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 5,027 |
| Loan loss allowance to noncurrent loans | 1,458.6957% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 4,691 |
| Noncurrent loans to loans | 0.0387% | 4,587 |
| Net loans and leases to total assets | 84.3472% | 386 |
| Net loans and leases to deposits | 101.2843% | 642 |
| Net loans and leases to core deposits | 103.2575% | 1,482 |
| Total domestic deposits to total assets | 83.2776% | 3,231 |
| Equity capital to assets | 12.2601% | 1,721 |
| Core capital (leverage) ratio | 10.5420% | 2,971 |
| Tier 1 risk-based capital ratio | 15.6262% | 2,567 |
| Total risk-based capital ratio | 16.3514% | 2,719 |
| Memoranda: | ||
| Average total assets | $133,481,400 | 3,600 |
| Average earning assets | $122,579,600 | 3,610 |
| Average equity | $16,742,400 | 3,430 |
| Average total loans | $111,666,200 | 3,109 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 507 |
| Cost of funding earning assets | 0.4248% | 3,694 |
| Net interest margin | 4.8938% | 318 |
| Noninterest income to average assets | 0.9031% | 1,191 |
| Noninterest expense to average assets | 3.1008% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2998% | 229 |
| Return on assets (ROA) | 2.2998% | 223 |
| Pretax return on assets | 2.2998% | 340 |
| Return on Equity (ROE) | 18.2261% | 405 |
| Retained earnings to average equity (ytd only) | 5.7228% | 2,812 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4157% | 4,198 |
| Assets per employee ($millions) | 4.1991% | 3,574 |
| Cash dividends to net income (ytd only)* | 68.6017% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 5,072 |
| Loan loss allowance to noncurrent loans | 278.2787% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 4,073 |
| Noncurrent loans to loans | 0.2084% | 3,966 |
| Net loans and leases to total assets | 83.9892% | 455 |
| Net loans and leases to deposits | 100.9244% | 708 |
| Net loans and leases to core deposits | 102.4561% | 1,570 |
| Total domestic deposits to total assets | 83.2199% | 3,225 |
| Equity capital to assets | 12.2639% | 1,732 |
| Core capital (leverage) ratio | 10.9855% | 2,592 |
| Tier 1 risk-based capital ratio | 16.2417% | 2,358 |
| Total risk-based capital ratio | 17.0139% | 2,479 |
| Memoranda: | ||
| Average total assets | $131,835,750 | 3,660 |
| Average earning assets | $121,157,500 | 3,661 |
| Average equity | $16,635,000 | 3,462 |
| Average total loans | $109,880,000 | 3,159 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 492 |
| Cost of funding earning assets | 0.3966% | 3,746 |
| Net interest margin | 4.8829% | 316 |
| Noninterest income to average assets | 0.9291% | 1,110 |
| Noninterest expense to average assets | 3.1638% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2687% | 228 |
| Return on assets (ROA) | 2.2687% | 221 |
| Pretax return on assets | 2.2687% | 350 |
| Return on Equity (ROE) | 17.8016% | 434 |
| Retained earnings to average equity (ytd only) | 3.7541% | 3,722 |
| Net charge-offs to loans | -0.0112% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2386% | 4,193 |
| Assets per employee ($millions) | 4.0097% | 3,877 |
| Cash dividends to net income (ytd only)* | 78.9116% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 5,061 |
| Loan loss allowance to noncurrent loans | 3,605.2632% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,963 |
| Noncurrent loans to loans | 0.0173% | 4,866 |
| Net loans and leases to total assets | 82.5281% | 646 |
| Net loans and leases to deposits | 94.5218% | 1,300 |
| Net loans and leases to core deposits | 95.9528% | 2,060 |
| Total domestic deposits to total assets | 87.3112% | 1,720 |
| Equity capital to assets | 12.5377% | 1,516 |
| Core capital (leverage) ratio | 10.8781% | 2,634 |
| Tier 1 risk-based capital ratio | 16.5856% | 2,231 |
| Total risk-based capital ratio | 17.4043% | 2,319 |
| Memoranda: | ||
| Average total assets | $129,591,330 | 3,710 |
| Average earning assets | $119,520,330 | 3,719 |
| Average equity | $16,515,330 | 3,498 |
| Average total loans | $107,486,000 | 3,213 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 467 |
| Cost of funding earning assets | 0.3727% | 3,802 |
| Net interest margin | 4.8521% | 309 |
| Noninterest income to average assets | 0.8235% | 1,381 |
| Noninterest expense to average assets | 3.2411% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0495% | 328 |
| Return on assets (ROA) | 2.0495% | 331 |
| Pretax return on assets | 2.0495% | 521 |
| Return on Equity (ROE) | 15.9485% | 631 |
| Retained earnings to average equity (ytd only) | 8.6661% | 1,595 |
| Net charge-offs to loans | -0.0151% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2618% | 3,906 |
| Assets per employee ($millions) | 3.9268% | 4,109 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 5,128 |
| Loan loss allowance to noncurrent loans | 988.4058% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,903 |
| Noncurrent loans to loans | 0.0641% | 4,687 |
| Net loans and leases to total assets | 82.5443% | 596 |
| Net loans and leases to deposits | 94.8768% | 1,149 |
| Net loans and leases to core deposits | 96.5815% | 1,936 |
| Total domestic deposits to total assets | 87.0016% | 2,123 |
| Equity capital to assets | 12.8387% | 1,324 |
| Core capital (leverage) ratio | 11.0785% | 2,350 |
| Tier 1 risk-based capital ratio | 17.1554% | 2,071 |
| Total risk-based capital ratio | 17.9958% | 2,143 |
| Memoranda: | ||
| Average total assets | $128,226,500 | 3,771 |
| Average earning assets | $118,052,500 | 3,780 |
| Average equity | $16,478,000 | 3,529 |
| Average total loans | $106,285,500 | 3,257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 433 |
| Cost of funding earning assets | 0.3676% | 3,545 |
| Net interest margin | 4.8491% | 312 |
| Noninterest income to average assets | 0.8637% | 1,371 |
| Noninterest expense to average assets | 3.1736% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1037% | 231 |
| Return on assets (ROA) | 2.1037% | 237 |
| Pretax return on assets | 2.1037% | 394 |
| Return on Equity (ROE) | 17.3567% | 361 |
| Retained earnings to average equity (ytd only) | 11.2507% | 224 |
| Net charge-offs to loans | 0.0821% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.8095% | 1,485 |
| Efficiency ratio | 60.1373% | 4,243 |
| Assets per employee ($millions) | 3.7314% | 4,387 |
| Cash dividends to net income (ytd only)* | 35.1796% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 5,161 |
| Loan loss allowance to noncurrent loans | 411.5152% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,588 |
| Noncurrent loans to loans | 0.1573% | 4,301 |
| Net loans and leases to total assets | 82.1681% | 657 |
| Net loans and leases to deposits | 94.4419% | 1,228 |
| Net loans and leases to core deposits | 96.1741% | 2,007 |
| Total domestic deposits to total assets | 87.0038% | 1,996 |
| Equity capital to assets | 12.8630% | 1,332 |
| Core capital (leverage) ratio | 10.8456% | 2,475 |
| Tier 1 risk-based capital ratio | 17.2374% | 2,017 |
| Total risk-based capital ratio | 18.0977% | 2,091 |
| Memoranda: | ||
| Average total assets | $127,015,200 | 3,794 |
| Average earning assets | $115,609,200 | 3,824 |
| Average equity | $15,394,600 | 3,670 |
| Average total loans | $102,370,400 | 3,309 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 436 |
| Cost of funding earning assets | 0.3723% | 3,444 |
| Net interest margin | 4.8053% | 328 |
| Noninterest income to average assets | 0.8416% | 1,442 |
| Noninterest expense to average assets | 3.0129% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1901% | 216 |
| Return on assets (ROA) | 2.1901% | 223 |
| Pretax return on assets | 2.1901% | 373 |
| Return on Equity (ROE) | 18.3506% | 309 |
| Retained earnings to average equity (ytd only) | 10.4371% | 502 |
| Net charge-offs to loans | 0.0681% | 2,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 40.1356% | 1,293 |
| Efficiency ratio | 57.9064% | 4,513 |
| Assets per employee ($millions) | 3.9988% | 3,996 |
| Cash dividends to net income (ytd only)* | 43.1241% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 5,158 |
| Loan loss allowance to noncurrent loans | 3,385.7143% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,037 |
| Noncurrent loans to loans | 0.0203% | 5,039 |
| Net loans and leases to total assets | 80.1872% | 959 |
| Net loans and leases to deposits | 91.6382% | 1,609 |
| Net loans and leases to core deposits | 93.2928% | 2,321 |
| Total domestic deposits to total assets | 87.5042% | 1,624 |
| Equity capital to assets | 12.3270% | 1,763 |
| Core capital (leverage) ratio | 10.4007% | 3,084 |
| Tier 1 risk-based capital ratio | 16.4762% | 2,331 |
| Total risk-based capital ratio | 17.3731% | 2,394 |
| Memoranda: | ||
| Average total assets | $127,052,000 | 3,828 |
| Average earning assets | $115,314,250 | 3,864 |
| Average equity | $15,163,500 | 3,733 |
| Average total loans | $101,732,000 | 3,353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 458 |
| Cost of funding earning assets | 0.3784% | 3,302 |
| Net interest margin | 4.7323% | 367 |
| Noninterest income to average assets | 0.8489% | 1,419 |
| Noninterest expense to average assets | 2.9539% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1965% | 214 |
| Return on assets (ROA) | 2.1965% | 218 |
| Pretax return on assets | 2.1965% | 357 |
| Return on Equity (ROE) | 18.6096% | 288 |
| Retained earnings to average equity (ytd only) | 10.5882% | 497 |
| Net charge-offs to loans | 0.0336% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 81.8824% | 752 |
| Efficiency ratio | 57.3529% | 4,669 |
| Assets per employee ($millions) | 4.1523% | 3,711 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 5,146 |
| Loan loss allowance to noncurrent loans | 793.6170% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,357 |
| Noncurrent loans to loans | 0.0915% | 4,758 |
| Net loans and leases to total assets | 79.2379% | 1,057 |
| Net loans and leases to deposits | 90.1183% | 1,710 |
| Net loans and leases to core deposits | 91.7271% | 2,362 |
| Total domestic deposits to total assets | 87.9265% | 1,494 |
| Equity capital to assets | 11.9476% | 1,967 |
| Core capital (leverage) ratio | 10.1224% | 3,376 |
| Tier 1 risk-based capital ratio | 15.7568% | 2,598 |
| Total risk-based capital ratio | 16.6849% | 2,671 |
| Memoranda: | ||
| Average total assets | $126,748,330 | 3,858 |
| Average earning assets | $115,207,670 | 3,892 |
| Average equity | $14,960,000 | 3,766 |
| Average total loans | $101,202,330 | 3,376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 487 |
| Cost of funding earning assets | 0.3753% | 3,250 |
| Net interest margin | 4.6649% | 396 |
| Noninterest income to average assets | 0.8079% | 1,523 |
| Noninterest expense to average assets | 3.0438% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9942% | 305 |
| Return on assets (ROA) | 1.9942% | 317 |
| Pretax return on assets | 1.9942% | 510 |
| Return on Equity (ROE) | 17.0028% | 411 |
| Retained earnings to average equity (ytd only) | 8.8675% | 1,123 |
| Net charge-offs to loans | -0.0080% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 4,408 |
| Assets per employee ($millions) | 4.2433% | 3,600 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 5,182 |
| Loan loss allowance to noncurrent loans | 369.0821% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 3,310 |
| Noncurrent loans to loans | 0.2050% | 4,383 |
| Net loans and leases to total assets | 78.7243% | 1,023 |
| Net loans and leases to deposits | 89.3215% | 1,630 |
| Net loans and leases to core deposits | 91.1643% | 2,246 |
| Total domestic deposits to total assets | 88.1359% | 1,637 |
| Equity capital to assets | 11.7156% | 2,023 |
| Core capital (leverage) ratio | 10.0390% | 3,445 |
| Tier 1 risk-based capital ratio | 15.3386% | 2,818 |
| Total risk-based capital ratio | 16.2991% | 2,874 |
| Memoranda: | ||
| Average total assets | $125,762,500 | 3,905 |
| Average earning assets | $114,042,000 | 3,944 |
| Average equity | $14,750,500 | 3,808 |
| Average total loans | $100,433,000 | 3,414 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 473 |
| Cost of funding earning assets | 0.4126% | 2,886 |
| Net interest margin | 4.7165% | 415 |
| Noninterest income to average assets | 0.7919% | 1,773 |
| Noninterest expense to average assets | 3.3283% | 1,519 |
| Loan and lease loss provision to assets | 0.1834% | 1,292 |
| Net operating income to assets | 1.5587% | 746 |
| Return on assets (ROA) | 1.5587% | 772 |
| Pretax return on assets | 1.5587% | 1,406 |
| Return on Equity (ROE) | 13.0760% | 975 |
| Retained earnings to average equity (ytd only) | 5.3143% | 2,120 |
| Net charge-offs to loans | 0.2489% | 1,116 |
| Credit loss provision to net charge-offs | 94.4206% | 2,716 |
| Earnings coverage of net charge-offs (x) | 8.9700% | 2,807 |
| Efficiency ratio | 64.1624% | 3,913 |
| Assets per employee ($millions) | 4.0073% | 3,951 |
| Cash dividends to net income (ytd only)* | 59.3583% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 5,203 |
| Loan loss allowance to noncurrent loans | 492.2581% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 3,351 |
| Noncurrent loans to loans | 0.1552% | 4,617 |
| Net loans and leases to total assets | 79.7931% | 923 |
| Net loans and leases to deposits | 90.5440% | 1,626 |
| Net loans and leases to core deposits | 93.8221% | 2,124 |
| Total domestic deposits to total assets | 88.1264% | 1,578 |
| Equity capital to assets | 11.7424% | 1,975 |
| Core capital (leverage) ratio | 9.8924% | 3,640 |
| Tier 1 risk-based capital ratio | 15.5932% | 2,708 |
| Total risk-based capital ratio | 16.5953% | 2,747 |
| Memoranda: | ||
| Average total assets | $119,972,000 | 3,998 |
| Average earning assets | $108,830,800 | 4,026 |
| Average equity | $14,301,000 | 3,906 |
| Average total loans | $93,623,200 | 3,506 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 504 |
| Cost of funding earning assets | 0.4184% | 2,856 |
| Net interest margin | 4.6754% | 450 |
| Noninterest income to average assets | 0.7838% | 1,833 |
| Noninterest expense to average assets | 2.9736% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0576% | 313 |
| Return on assets (ROA) | 2.0576% | 326 |
| Pretax return on assets | 2.0576% | 503 |
| Return on Equity (ROE) | 17.1939% | 428 |
| Retained earnings to average equity (ytd only) | 8.6672% | 921 |
| Net charge-offs to loans | 0.2578% | 910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.3089% | 2,583 |
| Efficiency ratio | 57.3880% | 4,906 |
| Assets per employee ($millions) | 4.1064% | 3,776 |
| Cash dividends to net income (ytd only)* | 49.5911% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 5,580 |
| Loan loss allowance to noncurrent loans | 553.7037% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 3,286 |
| Noncurrent loans to loans | 0.1111% | 4,893 |
| Net loans and leases to total assets | 81.1085% | 742 |
| Net loans and leases to deposits | 92.6672% | 1,414 |
| Net loans and leases to core deposits | 95.1091% | 2,090 |
| Total domestic deposits to total assets | 87.5266% | 1,648 |
| Equity capital to assets | 12.3878% | 1,846 |
| Core capital (leverage) ratio | 10.2493% | 3,282 |
| Tier 1 risk-based capital ratio | 16.3966% | 2,455 |
| Total risk-based capital ratio | 17.2116% | 2,579 |
| Memoranda: | ||
| Average total assets | $118,908,750 | 4,042 |
| Average earning assets | $108,023,250 | 4,067 |
| Average equity | $14,229,500 | 3,949 |
| Average total loans | $92,057,500 | 3,549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 558 |
| Cost of funding earning assets | 0.4235% | 2,796 |
| Net interest margin | 4.6013% | 507 |
| Noninterest income to average assets | 0.8094% | 1,674 |
| Noninterest expense to average assets | 3.0105% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9672% | 352 |
| Return on assets (ROA) | 1.9672% | 370 |
| Pretax return on assets | 1.9672% | 606 |
| Return on Equity (ROE) | 16.6343% | 465 |
| Retained earnings to average equity (ytd only) | 7.2428% | 1,490 |
| Net charge-offs to loans | 0.1395% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,816 |
| Efficiency ratio | 58.7221% | 4,808 |
| Assets per employee ($millions) | 4.4356% | 3,145 |
| Cash dividends to net income (ytd only)* | 56.4585% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 5,337 |
| Loan loss allowance to noncurrent loans | 1,584.4444% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,599 |
| Noncurrent loans to loans | 0.0488% | 5,267 |
| Net loans and leases to total assets | 76.3896% | 1,430 |
| Net loans and leases to deposits | 86.8399% | 2,151 |
| Net loans and leases to core deposits | 89.1024% | 2,631 |
| Total domestic deposits to total assets | 87.9660% | 1,449 |
| Equity capital to assets | 11.9705% | 2,147 |
| Core capital (leverage) ratio | 9.8786% | 3,714 |
| Tier 1 risk-based capital ratio | 16.4831% | 2,439 |
| Total risk-based capital ratio | 17.4963% | 2,473 |
| Memoranda: | ||
| Average total assets | $118,850,000 | 4,066 |
| Average earning assets | $107,664,330 | 4,104 |
| Average equity | $14,055,330 | 3,991 |
| Average total loans | $90,348,000 | 3,603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 626 |
| Cost of funding earning assets | 0.4251% | 2,812 |
| Net interest margin | 4.5339% | 572 |
| Noninterest income to average assets | 0.8210% | 1,554 |
| Noninterest expense to average assets | 3.0508% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8785% | 414 |
| Return on assets (ROA) | 1.8785% | 440 |
| Pretax return on assets | 1.8785% | 723 |
| Return on Equity (ROE) | 15.9828% | 535 |
| Retained earnings to average equity (ytd only) | 5.0593% | 2,902 |
| Net charge-offs to loans | 0.0671% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 37.0667% | 1,058 |
| Efficiency ratio | 60.1097% | 4,729 |
| Assets per employee ($millions) | 4.1048% | 3,759 |
| Cash dividends to net income (ytd only)* | 68.3453% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 3,673 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.2784% | 1,690 |
| Net loans and leases to deposits | 84.2755% | 2,278 |
| Net loans and leases to core deposits | 86.2198% | 2,729 |
| Total domestic deposits to total assets | 88.1376% | 1,568 |
| Equity capital to assets | 11.7633% | 2,187 |
| Core capital (leverage) ratio | 9.7633% | 3,829 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,441 |
| Total risk-based capital ratio | 17.7187% | 2,444 |
| Memoranda: | ||
| Average total assets | $118,394,500 | 4,109 |
| Average earning assets | $107,281,000 | 4,143 |
| Average equity | $13,915,000 | 4,013 |
| Average total loans | $89,423,000 | 3,629 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 714 |
| Cost of funding earning assets | 0.4758% | 2,391 |
| Net interest margin | 4.4582% | 706 |
| Noninterest income to average assets | 0.5560% | 2,985 |
| Noninterest expense to average assets | 3.0123% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6163% | 677 |
| Return on assets (ROA) | 1.6163% | 702 |
| Pretax return on assets | 1.6163% | 1,207 |
| Return on Equity (ROE) | 13.9830% | 844 |
| Retained earnings to average equity (ytd only) | 5.7555% | 1,922 |
| Net charge-offs to loans | -0.0581% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1462% | 4,419 |
| Assets per employee ($millions) | 4.2053% | 3,559 |
| Cash dividends to net income (ytd only)* | 58.8392% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 5,212 |
| Loan loss allowance to noncurrent loans | 1,021.0526% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 3,643 |
| Noncurrent loans to loans | 0.0848% | 5,160 |
| Net loans and leases to total assets | 75.4894% | 1,496 |
| Net loans and leases to deposits | 86.4947% | 2,062 |
| Net loans and leases to core deposits | 88.8374% | 2,519 |
| Total domestic deposits to total assets | 87.2763% | 1,998 |
| Equity capital to assets | 11.7428% | 2,155 |
| Core capital (leverage) ratio | 9.5843% | 4,066 |
| Tier 1 risk-based capital ratio | 16.4520% | 2,505 |
| Total risk-based capital ratio | 17.6046% | 2,504 |
| Memoranda: | ||
| Average total assets | $116,188,400 | 4,132 |
| Average earning assets | $106,142,000 | 4,140 |
| Average equity | $13,430,600 | 4,059 |
| Average total loans | $87,799,600 | 3,635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 738 |
| Cost of funding earning assets | 0.4799% | 2,411 |
| Net interest margin | 4.4392% | 737 |
| Noninterest income to average assets | 0.5584% | 2,995 |
| Noninterest expense to average assets | 2.8244% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7916% | 530 |
| Return on assets (ROA) | 1.7916% | 549 |
| Pretax return on assets | 1.7916% | 915 |
| Return on Equity (ROE) | 15.5617% | 657 |
| Retained earnings to average equity (ytd only) | 4.5105% | 3,262 |
| Net charge-offs to loans | -0.0840% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2417% | 4,975 |
| Assets per employee ($millions) | 4.1970% | 3,522 |
| Cash dividends to net income (ytd only)* | 71.0158% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,250 |
| Loan loss allowance to noncurrent loans | 1,392.8571% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 3,620 |
| Noncurrent loans to loans | 0.0636% | 5,363 |
| Net loans and leases to total assets | 74.2488% | 1,695 |
| Net loans and leases to deposits | 85.6827% | 2,179 |
| Net loans and leases to core deposits | 88.0670% | 2,656 |
| Total domestic deposits to total assets | 86.6555% | 2,207 |
| Equity capital to assets | 11.4920% | 2,514 |
| Core capital (leverage) ratio | 9.3815% | 4,465 |
| Tier 1 risk-based capital ratio | 15.6059% | 2,995 |
| Total risk-based capital ratio | 16.7388% | 2,983 |
| Memoranda: | ||
| Average total assets | $115,798,250 | 4,184 |
| Average earning assets | $105,843,250 | 4,183 |
| Average equity | $13,331,500 | 4,116 |
| Average total loans | $87,333,500 | 3,687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 694 |
| Cost of funding earning assets | 0.4946% | 2,300 |
| Net interest margin | 4.4283% | 724 |
| Noninterest income to average assets | 0.5797% | 2,859 |
| Noninterest expense to average assets | 2.6626% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9735% | 381 |
| Return on assets (ROA) | 1.9735% | 397 |
| Pretax return on assets | 1.9735% | 626 |
| Return on Equity (ROE) | 17.1317% | 468 |
| Retained earnings to average equity (ytd only) | 4.7010% | 3,052 |
| Net charge-offs to loans | -0.0850% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4848% | 5,477 |
| Assets per employee ($millions) | 4.1812% | 3,503 |
| Cash dividends to net income (ytd only)* | 72.5594% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 5,362 |
| Loan loss allowance to noncurrent loans | 286.4662% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 3,134 |
| Noncurrent loans to loans | 0.3080% | 4,588 |
| Net loans and leases to total assets | 73.1179% | 1,800 |
| Net loans and leases to deposits | 84.3228% | 2,275 |
| Net loans and leases to core deposits | 86.9091% | 2,662 |
| Total domestic deposits to total assets | 86.7118% | 2,314 |
| Equity capital to assets | 11.4167% | 2,485 |
| Core capital (leverage) ratio | 9.3052% | 4,547 |
| Tier 1 risk-based capital ratio | 16.0530% | 2,829 |
| Total risk-based capital ratio | 17.2076% | 2,835 |
| Memoranda: | ||
| Average total assets | $115,225,330 | 4,232 |
| Average earning assets | $105,548,670 | 4,230 |
| Average equity | $13,273,670 | 4,151 |
| Average total loans | $87,099,670 | 3,710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 694 |
| Cost of funding earning assets | 0.4961% | 2,323 |
| Net interest margin | 4.4076% | 721 |
| Noninterest income to average assets | 0.5949% | 2,676 |
| Noninterest expense to average assets | 2.5897% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0472% | 314 |
| Return on assets (ROA) | 2.0472% | 330 |
| Pretax return on assets | 2.0472% | 544 |
| Return on Equity (ROE) | 17.6904% | 418 |
| Retained earnings to average equity (ytd only) | 9.9792% | 934 |
| Net charge-offs to loans | -0.1372% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8868% | 5,688 |
| Assets per employee ($millions) | 4.2940% | 3,384 |
| Cash dividends to net income (ytd only)* | 43.5897% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,546 |
| Loan loss allowance to noncurrent loans | 306.9106% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 3,395 |
| Noncurrent loans to loans | 0.2791% | 4,781 |
| Net loans and leases to total assets | 75.3689% | 1,297 |
| Net loans and leases to deposits | 87.4852% | 1,675 |
| Net loans and leases to core deposits | 89.9195% | 2,139 |
| Total domestic deposits to total assets | 86.1505% | 2,860 |
| Equity capital to assets | 11.5440% | 2,427 |
| Core capital (leverage) ratio | 9.6329% | 4,108 |
| Tier 1 risk-based capital ratio | 15.8329% | 3,001 |
| Total risk-based capital ratio | 16.9603% | 2,993 |
| Memoranda: | ||
| Average total assets | $114,301,000 | 4,283 |
| Average earning assets | $104,819,500 | 4,281 |
| Average equity | $13,227,500 | 4,197 |
| Average total loans | $87,467,500 | 3,713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 494 |
| Cost of funding earning assets | 0.5608% | 2,135 |
| Net interest margin | 4.6683% | 550 |
| Noninterest income to average assets | 0.5868% | 2,939 |
| Noninterest expense to average assets | 2.9258% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9200% | 381 |
| Return on assets (ROA) | 1.9200% | 395 |
| Pretax return on assets | 1.9200% | 609 |
| Return on Equity (ROE) | 16.5667% | 544 |
| Retained earnings to average equity (ytd only) | 7.4526% | 1,215 |
| Net charge-offs to loans | -0.0268% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4106% | 5,420 |
| Assets per employee ($millions) | 4.3332% | 3,297 |
| Cash dividends to net income (ytd only)* | 55.0143% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 5,672 |
| Loan loss allowance to noncurrent loans | 966.6667% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 3,447 |
| Noncurrent loans to loans | 0.0864% | 5,538 |
| Net loans and leases to total assets | 76.3986% | 1,208 |
| Net loans and leases to deposits | 88.8275% | 1,634 |
| Net loans and leases to core deposits | 90.6299% | 2,222 |
| Total domestic deposits to total assets | 86.0078% | 2,837 |
| Equity capital to assets | 11.6019% | 2,341 |
| Core capital (leverage) ratio | 9.2948% | 4,546 |
| Tier 1 risk-based capital ratio | 15.5433% | 3,213 |
| Total risk-based capital ratio | 16.6521% | 3,217 |
| Memoranda: | ||
| Average total assets | $109,064,800 | 4,395 |
| Average earning assets | $99,500,600 | 4,404 |
| Average equity | $12,639,800 | 4,253 |
| Average total loans | $85,728,200 | 3,721 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 472 |
| Cost of funding earning assets | 0.5748% | 2,065 |
| Net interest margin | 4.6766% | 527 |
| Noninterest income to average assets | 0.6015% | 2,857 |
| Noninterest expense to average assets | 2.6009% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2631% | 204 |
| Return on assets (ROA) | 2.2631% | 210 |
| Pretax return on assets | 2.2631% | 320 |
| Return on Equity (ROE) | 19.5335% | 311 |
| Retained earnings to average equity (ytd only) | 9.1071% | 952 |
| Net charge-offs to loans | -0.1030% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4952% | 6,024 |
| Assets per employee ($millions) | 4.5950% | 2,819 |
| Cash dividends to net income (ytd only)* | 53.3767% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 5,632 |
| Loan loss allowance to noncurrent loans | 3,840.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 3,644 |
| Noncurrent loans to loans | 0.0232% | 5,932 |
| Net loans and leases to total assets | 77.5426% | 1,014 |
| Net loans and leases to deposits | 90.3753% | 1,388 |
| Net loans and leases to core deposits | 92.6208% | 1,985 |
| Total domestic deposits to total assets | 85.8007% | 2,961 |
| Equity capital to assets | 11.7746% | 2,245 |
| Core capital (leverage) ratio | 9.4863% | 4,398 |
| Tier 1 risk-based capital ratio | 15.2071% | 3,468 |
| Total risk-based capital ratio | 16.3691% | 3,463 |
| Memoranda: | ||
| Average total assets | $108,165,250 | 4,458 |
| Average earning assets | $98,587,750 | 4,481 |
| Average equity | $12,532,000 | 4,296 |
| Average total loans | $85,460,750 | 3,769 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 481 |
| Cost of funding earning assets | 0.5902% | 1,976 |
| Net interest margin | 4.6421% | 540 |
| Noninterest income to average assets | 0.6049% | 2,794 |
| Noninterest expense to average assets | 2.6670% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1682% | 240 |
| Return on assets (ROA) | 2.1682% | 252 |
| Pretax return on assets | 2.1682% | 389 |
| Return on Equity (ROE) | 18.8192% | 376 |
| Retained earnings to average equity (ytd only) | 7.0269% | 1,760 |
| Net charge-offs to loans | -0.0211% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1563% | 5,984 |
| Assets per employee ($millions) | 4.3283% | 3,214 |
| Cash dividends to net income (ytd only)* | 62.6609% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,800 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 78.1393% | 894 |
| Net loans and leases to deposits | 90.9671% | 1,273 |
| Net loans and leases to core deposits | 93.5300% | 1,814 |
| Total domestic deposits to total assets | 85.8985% | 3,096 |
| Equity capital to assets | 11.6110% | 2,315 |
| Core capital (leverage) ratio | 9.2464% | 4,673 |
| Tier 1 risk-based capital ratio | 12.5895% | 5,166 |
| Total risk-based capital ratio | 13.5215% | 5,295 |
| Memoranda: | ||
| Average total assets | $107,460,330 | 4,502 |
| Average earning assets | $97,930,000 | 4,531 |
| Average equity | $12,381,000 | 4,331 |
| Average total loans | $85,187,000 | 3,788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 461 |
| Cost of funding earning assets | 0.6120% | 1,878 |
| Net interest margin | 4.6206% | 542 |
| Noninterest income to average assets | 0.5864% | 2,814 |
| Noninterest expense to average assets | 2.7305% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0581% | 301 |
| Return on assets (ROA) | 2.0581% | 312 |
| Pretax return on assets | 2.0581% | 466 |
| Return on Equity (ROE) | 17.9340% | 446 |
| Retained earnings to average equity (ytd only) | 10.4479% | 857 |
| Net charge-offs to loans | 0.0141% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 183.6667% | 266 |
| Efficiency ratio | 54.9922% | 5,924 |
| Assets per employee ($millions) | 4.2949% | 3,350 |
| Cash dividends to net income (ytd only)* | 41.7423% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 6,047 |
| Loan loss allowance to noncurrent loans | 984.5070% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 3,688 |
| Noncurrent loans to loans | 0.0839% | 5,885 |
| Net loans and leases to total assets | 78.1966% | 750 |
| Net loans and leases to deposits | 92.1495% | 942 |
| Net loans and leases to core deposits | 94.7920% | 1,485 |
| Total domestic deposits to total assets | 84.8584% | 3,934 |
| Equity capital to assets | 11.5951% | 2,174 |
| Core capital (leverage) ratio | 9.2142% | 4,701 |
| Tier 1 risk-based capital ratio | 11.9861% | 5,655 |
| Total risk-based capital ratio | 12.8714% | 5,796 |
| Memoranda: | ||
| Average total assets | $107,086,500 | 4,556 |
| Average earning assets | $97,389,500 | 4,585 |
| Average equity | $12,289,500 | 4,372 |
| Average total loans | $85,148,500 | 3,823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 416 |
| Cost of funding earning assets | 0.7038% | 1,786 |
| Net interest margin | 4.7187% | 497 |
| Noninterest income to average assets | 0.6421% | 2,849 |
| Noninterest expense to average assets | 2.9067% | 3,356 |
| Loan and lease loss provision to assets | 0.0831% | 3,458 |
| Net operating income to assets | 1.9509% | 365 |
| Return on assets (ROA) | 1.9509% | 367 |
| Pretax return on assets | 1.9509% | 536 |
| Return on Equity (ROE) | 16.9815% | 502 |
| Retained earnings to average equity (ytd only) | -1.5229% | 6,128 |
| Net charge-offs to loans | 0.0163% | 5,117 |
| Credit loss provision to net charge-offs | 653.8462% | 359 |
| Earnings coverage of net charge-offs (x) | 160.0769% | 289 |
| Efficiency ratio | 56.7755% | 5,875 |
| Assets per employee ($millions) | 4.2720% | 3,312 |
| Cash dividends to net income (ytd only)* | 108.9679% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 6,129 |
| Loan loss allowance to noncurrent loans | 95.9016% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 3,853 |
| Noncurrent loans to loans | 0.8548% | 3,840 |
| Net loans and leases to total assets | 79.5262% | 646 |
| Net loans and leases to deposits | 93.4450% | 917 |
| Net loans and leases to core deposits | 96.1303% | 1,451 |
| Total domestic deposits to total assets | 85.1049% | 3,690 |
| Equity capital to assets | 11.3567% | 2,284 |
| Core capital (leverage) ratio | 9.0158% | 4,975 |
| Tier 1 risk-based capital ratio | 11.3863% | 5,972 |
| Total risk-based capital ratio | 12.2630% | 6,110 |
| Memoranda: | ||
| Average total assets | $102,314,000 | 4,690 |
| Average earning assets | $93,204,200 | 4,696 |
| Average equity | $11,754,000 | 4,497 |
| Average total loans | $79,989,800 | 3,939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 446 |
| Cost of funding earning assets | 0.7276% | 1,751 |
| Net interest margin | 4.6724% | 540 |
| Noninterest income to average assets | 0.6548% | 2,858 |
| Noninterest expense to average assets | 2.6510% | 4,197 |
| Loan and lease loss provision to assets | 0.0725% | 3,612 |
| Net operating income to assets | 2.1872% | 267 |
| Return on assets (ROA) | 2.1872% | 277 |
| Pretax return on assets | 2.1872% | 400 |
| Return on Equity (ROE) | 18.9814% | 372 |
| Retained earnings to average equity (ytd only) | -5.8888% | 6,534 |
| Net charge-offs to loans | -0.1849% | 6,635 |
| Credit loss provision to net charge-offs | -50.4587% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8916% | 6,261 |
| Assets per employee ($millions) | 4.0853% | 3,664 |
| Cash dividends to net income (ytd only)* | 131.0241% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 5,917 |
| Loan loss allowance to noncurrent loans | 58.2966% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 2,949 |
| Noncurrent loans to loans | 1.6312% | 2,732 |
| Net loans and leases to total assets | 80.9776% | 452 |
| Net loans and leases to deposits | 95.6292% | 717 |
| Net loans and leases to core deposits | 98.0800% | 1,237 |
| Total domestic deposits to total assets | 84.6787% | 3,893 |
| Equity capital to assets | 11.5468% | 2,268 |
| Core capital (leverage) ratio | 8.9946% | 5,139 |
| Tier 1 risk-based capital ratio | 11.2946% | 6,149 |
| Total risk-based capital ratio | 12.3189% | 6,214 |
| Memoranda: | ||
| Average total assets | $101,192,500 | 4,757 |
| Average earning assets | $92,170,250 | 4,764 |
| Average equity | $11,660,250 | 4,563 |
| Average total loans | $78,578,250 | 4,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 461 |
| Cost of funding earning assets | 0.7446% | 1,740 |
| Net interest margin | 4.6333% | 569 |
| Noninterest income to average assets | 0.6860% | 2,711 |
| Noninterest expense to average assets | 2.7022% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2026% | 256 |
| Return on assets (ROA) | 2.2026% | 272 |
| Pretax return on assets | 2.2026% | 412 |
| Return on Equity (ROE) | 19.1288% | 372 |
| Retained earnings to average equity (ytd only) | -14.3595% | 6,746 |
| Net charge-offs to loans | 0.0052% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 555.5000% | 71 |
| Efficiency ratio | 52.9911% | 6,219 |
| Assets per employee ($millions) | 4.0070% | 3,782 |
| Cash dividends to net income (ytd only)* | 175.0675% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 6,356 |
| Loan loss allowance to noncurrent loans | 199.3651% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 5,533 |
| Noncurrent loans to loans | 0.4009% | 5,266 |
| Net loans and leases to total assets | 77.7999% | 775 |
| Net loans and leases to deposits | 91.8309% | 979 |
| Net loans and leases to core deposits | 93.9395% | 1,523 |
| Total domestic deposits to total assets | 84.7207% | 4,030 |
| Equity capital to assets | 11.4540% | 2,337 |
| Core capital (leverage) ratio | 8.6005% | 5,559 |
| Tier 1 risk-based capital ratio | 11.3727% | 6,169 |
| Total risk-based capital ratio | 12.2218% | 6,320 |
| Memoranda: | ||
| Average total assets | $100,879,330 | 4,788 |
| Average earning assets | $91,857,330 | 4,800 |
| Average equity | $11,616,000 | 4,608 |
| Average total loans | $76,938,330 | 4,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 437 |
| Cost of funding earning assets | 0.7692% | 1,713 |
| Net interest margin | 4.6193% | 545 |
| Noninterest income to average assets | 0.7349% | 2,404 |
| Noninterest expense to average assets | 2.9793% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9559% | 373 |
| Return on assets (ROA) | 1.9559% | 402 |
| Pretax return on assets | 1.9559% | 645 |
| Return on Equity (ROE) | 16.9419% | 513 |
| Retained earnings to average equity (ytd only) | -37.8198% | 6,926 |
| Net charge-offs to loans | 0.0053% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 66 |
| Efficiency ratio | 58.2866% | 5,813 |
| Assets per employee ($millions) | 4.0480% | 3,852 |
| Cash dividends to net income (ytd only)* | 323.2323% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 6,404 |
| Loan loss allowance to noncurrent loans | 487.5969% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 6,190 |
| Noncurrent loans to loans | 0.1704% | 5,975 |
| Net loans and leases to total assets | 74.1702% | 1,051 |
| Net loans and leases to deposits | 87.5766% | 1,187 |
| Net loans and leases to core deposits | 89.8471% | 1,710 |
| Total domestic deposits to total assets | 84.6919% | 4,183 |
| Equity capital to assets | 11.0700% | 2,880 |
| Core capital (leverage) ratio | 8.3699% | 5,744 |
| Tier 1 risk-based capital ratio | 10.9876% | 6,412 |
| Total risk-based capital ratio | 11.8393% | 6,526 |
| Memoranda: | ||
| Average total assets | $101,231,500 | 4,834 |
| Average earning assets | $92,048,500 | 4,841 |
| Average equity | $11,687,000 | 4,632 |
| Average total loans | $76,125,500 | 4,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 664 |
| Cost of funding earning assets | 0.9015% | 1,925 |
| Net interest margin | 4.5668% | 833 |
| Noninterest income to average assets | 0.8351% | 2,102 |
| Noninterest expense to average assets | 2.7453% | 4,231 |
| Loan and lease loss provision to assets | 0.1890% | 3,274 |
| Net operating income to assets | 2.0452% | 331 |
| Return on assets (ROA) | 2.0472% | 357 |
| Pretax return on assets | 2.0472% | 552 |
| Return on Equity (ROE) | 17.9256% | 451 |
| Retained earnings to average equity (ytd only) | 14.1601% | 196 |
| Net charge-offs to loans | 0.2405% | 3,500 |
| Credit loss provision to net charge-offs | 105.0000% | 2,840 |
| Earnings coverage of net charge-offs (x) | 12.4111% | 1,928 |
| Efficiency ratio | 53.0629% | 6,366 |
| Assets per employee ($millions) | 4.0505% | 3,848 |
| Cash dividends to net income (ytd only)* | 21.0064% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 6,441 |
| Loan loss allowance to noncurrent loans | 340.5405% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,105 |
| Noncurrent loans to loans | 0.2416% | 5,876 |
| Net loans and leases to total assets | 74.9847% | 1,053 |
| Net loans and leases to deposits | 89.6608% | 1,102 |
| Net loans and leases to core deposits | 92.0119% | 1,635 |
| Total domestic deposits to total assets | 83.6316% | 4,484 |
| Equity capital to assets | 12.0193% | 2,033 |
| Core capital (leverage) ratio | 9.2112% | 4,562 |
| Tier 1 risk-based capital ratio | 11.9997% | 5,792 |
| Total risk-based capital ratio | 12.8346% | 6,004 |
| Memoranda: | ||
| Average total assets | $99,988,000 | 4,835 |
| Average earning assets | $90,741,600 | 4,848 |
| Average equity | $11,419,400 | 4,686 |
| Average total loans | $74,830,800 | 4,184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 710 |
| Cost of funding earning assets | 0.9218% | 2,037 |
| Net interest margin | 4.5603% | 888 |
| Noninterest income to average assets | 0.8013% | 2,233 |
| Noninterest expense to average assets | 2.4427% | 5,260 |
| Loan and lease loss provision to assets | 0.1833% | 3,299 |
| Net operating income to assets | 2.3116% | 238 |
| Return on assets (ROA) | 2.3143% | 256 |
| Pretax return on assets | 2.3143% | 396 |
| Return on Equity (ROE) | 20.5370% | 304 |
| Retained earnings to average equity (ytd only) | 15.4324% | 212 |
| Net charge-offs to loans | 0.2294% | 3,346 |
| Credit loss provision to net charge-offs | 107.0313% | 2,745 |
| Earnings coverage of net charge-offs (x) | 14.5705% | 1,826 |
| Efficiency ratio | 47.3584% | 6,755 |
| Assets per employee ($millions) | 4.0342% | 3,802 |
| Cash dividends to net income (ytd only)* | 24.8555% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 6,570 |
| Loan loss allowance to noncurrent loans | 715.9091% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,339 |
| Noncurrent loans to loans | 0.1135% | 6,327 |
| Net loans and leases to total assets | 76.2233% | 942 |
| Net loans and leases to deposits | 91.5724% | 1,011 |
| Net loans and leases to core deposits | 93.9850% | 1,590 |
| Total domestic deposits to total assets | 83.2383% | 4,548 |
| Equity capital to assets | 11.7565% | 2,479 |
| Core capital (leverage) ratio | 8.8522% | 5,262 |
| Tier 1 risk-based capital ratio | 11.5601% | 6,194 |
| Total risk-based capital ratio | 12.3960% | 6,394 |
| Memoranda: | ||
| Average total assets | $99,669,500 | 4,887 |
| Average earning assets | $90,400,250 | 4,898 |
| Average equity | $11,231,500 | 4,761 |
| Average total loans | $74,398,250 | 4,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 751 |
| Cost of funding earning assets | 0.9365% | 2,142 |
| Net interest margin | 4.5422% | 922 |
| Noninterest income to average assets | 0.7837% | 2,272 |
| Noninterest expense to average assets | 2.4135% | 5,408 |
| Loan and lease loss provision to assets | 0.2418% | 2,645 |
| Net operating income to assets | 2.2423% | 266 |
| Return on assets (ROA) | 2.2463% | 301 |
| Pretax return on assets | 2.2463% | 454 |
| Return on Equity (ROE) | 20.2304% | 341 |
| Retained earnings to average equity (ytd only) | 12.4286% | 518 |
| Net charge-offs to loans | 0.3271% | 2,726 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 10.2750% | 2,071 |
| Efficiency ratio | 47.1411% | 6,826 |
| Assets per employee ($millions) | 4.2228% | 3,415 |
| Cash dividends to net income (ytd only)* | 38.5650% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 6,596 |
| Loan loss allowance to noncurrent loans | 900.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,501 |
| Noncurrent loans to loans | 0.0928% | 6,431 |
| Net loans and leases to total assets | 72.7392% | 1,433 |
| Net loans and leases to deposits | 86.7405% | 1,513 |
| Net loans and leases to core deposits | 89.0014% | 2,099 |
| Total domestic deposits to total assets | 83.8584% | 4,372 |
| Equity capital to assets | 11.2001% | 2,896 |
| Core capital (leverage) ratio | 8.4398% | 5,732 |
| Tier 1 risk-based capital ratio | 11.1426% | 6,433 |
| Total risk-based capital ratio | 11.9888% | 6,589 |
| Memoranda: | ||
| Average total assets | $99,274,330 | 4,915 |
| Average earning assets | $89,912,670 | 4,939 |
| Average equity | $11,023,000 | 4,804 |
| Average total loans | $73,362,670 | 4,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 720 |
| Cost of funding earning assets | 0.9655% | 2,191 |
| Net interest margin | 4.5627% | 887 |
| Noninterest income to average assets | 0.8225% | 2,055 |
| Noninterest expense to average assets | 2.5611% | 4,955 |
| Loan and lease loss provision to assets | 0.1262% | 3,769 |
| Net operating income to assets | 2.2720% | 246 |
| Return on assets (ROA) | 2.2720% | 298 |
| Pretax return on assets | 2.2720% | 476 |
| Return on Equity (ROE) | 20.5544% | 351 |
| Retained earnings to average equity (ytd only) | 14.2923% | 534 |
| Net charge-offs to loans | 0.1702% | 3,067 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,240 |
| Efficiency ratio | 49.5074% | 6,706 |
| Assets per employee ($millions) | 4.1733% | 3,637 |
| Cash dividends to net income (ytd only)* | 30.4659% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 6,620 |
| Loan loss allowance to noncurrent loans | 181.0496% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 5,522 |
| Noncurrent loans to loans | 0.4759% | 5,720 |
| Net loans and leases to total assets | 71.3356% | 1,513 |
| Net loans and leases to deposits | 85.1364% | 1,520 |
| Net loans and leases to core deposits | 87.1042% | 2,165 |
| Total domestic deposits to total assets | 83.7898% | 4,599 |
| Equity capital to assets | 11.0325% | 2,863 |
| Core capital (leverage) ratio | 8.3474% | 5,812 |
| Tier 1 risk-based capital ratio | 10.8055% | 6,620 |
| Total risk-based capital ratio | 11.6599% | 6,760 |
| Memoranda: | ||
| Average total assets | $98,238,000 | 4,972 |
| Average earning assets | $89,069,500 | 4,994 |
| Average equity | $10,859,000 | 4,848 |
| Average total loans | $72,874,000 | 4,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7074% | 770 |
| Cost of funding earning assets | 1.1132% | 2,588 |
| Net interest margin | 4.5942% | 936 |
| Noninterest income to average assets | 0.8108% | 1,997 |
| Noninterest expense to average assets | 2.7176% | 4,677 |
| Loan and lease loss provision to assets | 0.4140% | 2,523 |
| Net operating income to assets | 1.8987% | 379 |
| Return on assets (ROA) | 1.8987% | 411 |
| Pretax return on assets | 1.8987% | 665 |
| Return on Equity (ROE) | 17.8656% | 395 |
| Retained earnings to average equity (ytd only) | -0.0284% | 5,846 |
| Net charge-offs to loans | 0.5582% | 2,785 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 5.5864% | 2,746 |
| Efficiency ratio | 51.9423% | 6,704 |
| Assets per employee ($millions) | 4.0132% | 3,821 |
| Cash dividends to net income (ytd only)* | 100.1592% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 6,662 |
| Loan loss allowance to noncurrent loans | 108.9474% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 5,310 |
| Noncurrent loans to loans | 0.7736% | 5,143 |
| Net loans and leases to total assets | 75.8506% | 969 |
| Net loans and leases to deposits | 89.8245% | 1,179 |
| Net loans and leases to core deposits | 91.9662% | 1,889 |
| Total domestic deposits to total assets | 84.4430% | 4,123 |
| Equity capital to assets | 11.0759% | 2,918 |
| Core capital (leverage) ratio | 7.8696% | 6,383 |
| Tier 1 risk-based capital ratio | 10.0409% | 6,848 |
| Total risk-based capital ratio | 10.8790% | 6,929 |
| Memoranda: | ||
| Average total assets | $99,279,800 | 4,904 |
| Average earning assets | $91,180,400 | 4,886 |
| Average equity | $10,551,000 | 4,897 |
| Average total loans | $73,634,600 | 4,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 926 |
| Cost of funding earning assets | 1.1416% | 2,686 |
| Net interest margin | 4.5113% | 1,119 |
| Noninterest income to average assets | 0.7772% | 2,157 |
| Noninterest expense to average assets | 2.5794% | 5,155 |
| Loan and lease loss provision to assets | 0.2413% | 3,596 |
| Net operating income to assets | 2.1128% | 289 |
| Return on assets (ROA) | 2.1128% | 309 |
| Pretax return on assets | 2.1128% | 504 |
| Return on Equity (ROE) | 20.0849% | 308 |
| Retained earnings to average equity (ytd only) | -3.8396% | 6,500 |
| Net charge-offs to loans | 0.3278% | 3,458 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 9.7568% | 2,008 |
| Efficiency ratio | 50.1756% | 6,816 |
| Assets per employee ($millions) | 4.3069% | 3,259 |
| Cash dividends to net income (ytd only)* | 119.1167% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 6,749 |
| Loan loss allowance to noncurrent loans | 95.0995% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 5,396 |
| Noncurrent loans to loans | 0.8773% | 5,104 |
| Net loans and leases to total assets | 74.5139% | 1,232 |
| Net loans and leases to deposits | 87.7200% | 1,463 |
| Net loans and leases to core deposits | 90.2535% | 2,219 |
| Total domestic deposits to total assets | 84.9452% | 3,791 |
| Equity capital to assets | 10.4757% | 3,733 |
| Core capital (leverage) ratio | 7.5244% | 6,754 |
| Tier 1 risk-based capital ratio | 9.8610% | 6,989 |
| Total risk-based capital ratio | 10.7219% | 7,056 |
| Memoranda: | ||
| Average total assets | $100,020,500 | 4,930 |
| Average earning assets | $92,151,750 | 4,894 |
| Average equity | $10,521,750 | 4,916 |
| Average total loans | $73,623,750 | 4,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 994 |
| Cost of funding earning assets | 1.1783% | 2,716 |
| Net interest margin | 4.4603% | 1,224 |
| Noninterest income to average assets | 0.7993% | 2,019 |
| Noninterest expense to average assets | 2.5493% | 5,356 |
| Loan and lease loss provision to assets | 0.3847% | 2,493 |
| Net operating income to assets | 1.9773% | 354 |
| Return on assets (ROA) | 1.9773% | 374 |
| Pretax return on assets | 1.9773% | 614 |
| Return on Equity (ROE) | 18.7701% | 405 |
| Retained earnings to average equity (ytd only) | -7.6254% | 6,750 |
| Net charge-offs to loans | 0.5262% | 2,518 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 6.1399% | 2,457 |
| Efficiency ratio | 49.8377% | 6,949 |
| Assets per employee ($millions) | 4.2771% | 3,203 |
| Cash dividends to net income (ytd only)* | 140.6250% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 6,762 |
| Loan loss allowance to noncurrent loans | 104.7218% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 4,999 |
| Noncurrent loans to loans | 0.8157% | 5,295 |
| Net loans and leases to total assets | 73.2691% | 1,544 |
| Net loans and leases to deposits | 86.4844% | 1,718 |
| Net loans and leases to core deposits | 89.5745% | 2,429 |
| Total domestic deposits to total assets | 84.7194% | 4,007 |
| Equity capital to assets | 10.4521% | 3,570 |
| Core capital (leverage) ratio | 7.2467% | 6,895 |
| Tier 1 risk-based capital ratio | 10.1562% | 6,935 |
| Total risk-based capital ratio | 11.0588% | 7,028 |
| Memoranda: | ||
| Average total assets | $100,341,330 | 4,953 |
| Average earning assets | $92,504,000 | 4,921 |
| Average equity | $10,570,000 | 4,906 |
| Average total loans | $73,354,000 | 4,451 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 1,192 |
| Cost of funding earning assets | 1.2176% | 2,700 |
| Net interest margin | 4.3254% | 1,484 |
| Noninterest income to average assets | 0.6632% | 2,768 |
| Noninterest expense to average assets | 2.1515% | 6,527 |
| Loan and lease loss provision to assets | 0.2961% | 2,790 |
| Net operating income to assets | 2.2265% | 249 |
| Return on assets (ROA) | 2.2265% | 264 |
| Pretax return on assets | 2.2265% | 382 |
| Return on Equity (ROE) | 21.0566% | 289 |
| Retained earnings to average equity (ytd only) | 2.3894% | 4,720 |
| Net charge-offs to loans | 0.4072% | 2,468 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 8.5200% | 1,818 |
| Efficiency ratio | 43.8345% | 7,285 |
| Assets per employee ($millions) | 4.4214% | 3,017 |
| Cash dividends to net income (ytd only)* | 88.6525% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 6,841 |
| Loan loss allowance to noncurrent loans | 105.0761% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 4,138 |
| Noncurrent loans to loans | 0.7987% | 5,435 |
| Net loans and leases to total assets | 72.1505% | 1,690 |
| Net loans and leases to deposits | 85.1055% | 1,862 |
| Net loans and leases to core deposits | 88.3957% | 2,548 |
| Total domestic deposits to total assets | 84.7777% | 4,135 |
| Equity capital to assets | 10.5563% | 3,121 |
| Core capital (leverage) ratio | 7.6844% | 6,572 |
| Tier 1 risk-based capital ratio | 10.3292% | 6,894 |
| Total risk-based capital ratio | 11.1927% | 7,024 |
| Memoranda: | ||
| Average total assets | $101,325,500 | 4,966 |
| Average earning assets | $93,957,500 | 4,916 |
| Average equity | $10,714,000 | 4,866 |
| Average total loans | $73,682,000 | 4,478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 1,153 |
| Cost of funding earning assets | 1.5401% | 2,407 |
| Net interest margin | 4.3079% | 1,793 |
| Noninterest income to average assets | 0.6597% | 3,083 |
| Noninterest expense to average assets | 2.5217% | 5,713 |
| Loan and lease loss provision to assets | 0.1220% | 5,941 |
| Net operating income to assets | 1.9109% | 331 |
| Return on assets (ROA) | 1.9109% | 352 |
| Pretax return on assets | 1.9109% | 594 |
| Return on Equity (ROE) | 18.1804% | 367 |
| Retained earnings to average equity (ytd only) | 2.9978% | 3,749 |
| Net charge-offs to loans | 0.1668% | 5,330 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,195 |
| Efficiency ratio | 53.0685% | 6,886 |
| Assets per employee ($millions) | 4.3895% | 3,050 |
| Cash dividends to net income (ytd only)* | 83.5106% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 6,863 |
| Loan loss allowance to noncurrent loans | 55.6951% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 3,982 |
| Noncurrent loans to loans | 1.5197% | 4,207 |
| Net loans and leases to total assets | 72.0597% | 2,095 |
| Net loans and leases to deposits | 85.4385% | 2,197 |
| Net loans and leases to core deposits | 89.8326% | 2,795 |
| Total domestic deposits to total assets | 84.3410% | 4,204 |
| Equity capital to assets | 10.5915% | 3,075 |
| Core capital (leverage) ratio | 7.5052% | 6,699 |
| Tier 1 risk-based capital ratio | 10.4207% | 6,747 |
| Total risk-based capital ratio | 11.3023% | 6,947 |
| Memoranda: | ||
| Average total assets | $98,385,000 | 5,037 |
| Average earning assets | $88,953,000 | 5,052 |
| Average equity | $10,340,800 | 5,028 |
| Average total loans | $71,921,600 | 4,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9709% | 988 |
| Cost of funding earning assets | 1.5957% | 2,412 |
| Net interest margin | 4.3752% | 1,599 |
| Noninterest income to average assets | 0.6548% | 3,098 |
| Noninterest expense to average assets | 2.2630% | 6,428 |
| Loan and lease loss provision to assets | 0.1023% | 6,002 |
| Net operating income to assets | 2.2167% | 235 |
| Return on assets (ROA) | 2.2167% | 250 |
| Pretax return on assets | 2.2167% | 394 |
| Return on Equity (ROE) | 21.1320% | 250 |
| Retained earnings to average equity (ytd only) | 0.7152% | 5,515 |
| Net charge-offs to loans | 0.1397% | 5,184 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 22.6661% | 1,085 |
| Efficiency ratio | 47.0676% | 7,330 |
| Assets per employee ($millions) | 4.3710% | 3,124 |
| Cash dividends to net income (ytd only)* | 96.6154% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 6,872 |
| Loan loss allowance to noncurrent loans | 104.3697% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 5,089 |
| Noncurrent loans to loans | 0.8224% | 5,573 |
| Net loans and leases to total assets | 71.3484% | 2,394 |
| Net loans and leases to deposits | 84.5112% | 2,615 |
| Net loans and leases to core deposits | 88.8658% | 3,255 |
| Total domestic deposits to total assets | 84.4249% | 3,908 |
| Equity capital to assets | 10.3927% | 3,649 |
| Core capital (leverage) ratio | 7.3312% | 6,986 |
| Tier 1 risk-based capital ratio | 10.1442% | 6,987 |
| Total risk-based capital ratio | 11.0376% | 7,149 |
| Memoranda: | ||
| Average total assets | $97,741,750 | 5,118 |
| Average earning assets | $87,734,250 | 5,152 |
| Average equity | $10,252,750 | 5,123 |
| Average total loans | $71,559,250 | 4,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 1,269 |
| Cost of funding earning assets | 1.6064% | 2,618 |
| Net interest margin | 4.2560% | 1,937 |
| Noninterest income to average assets | 0.6280% | 3,143 |
| Noninterest expense to average assets | 2.2642% | 6,462 |
| Loan and lease loss provision to assets | 0.1012% | 5,900 |
| Net operating income to assets | 2.1816% | 240 |
| Return on assets (ROA) | 2.1816% | 263 |
| Pretax return on assets | 2.1816% | 420 |
| Return on Equity (ROE) | 20.7309% | 272 |
| Retained earnings to average equity (ytd only) | -2.2380% | 6,183 |
| Net charge-offs to loans | 0.1375% | 4,846 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 22.5510% | 1,128 |
| Efficiency ratio | 47.4784% | 7,369 |
| Assets per employee ($millions) | 3.7791% | 4,274 |
| Cash dividends to net income (ytd only)* | 110.7955% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 6,856 |
| Loan loss allowance to noncurrent loans | 153.7129% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 5,583 |
| Noncurrent loans to loans | 0.5651% | 6,115 |
| Net loans and leases to total assets | 72.1231% | 2,365 |
| Net loans and leases to deposits | 87.4209% | 2,272 |
| Net loans and leases to core deposits | 91.6481% | 3,036 |
| Total domestic deposits to total assets | 82.5010% | 4,782 |
| Equity capital to assets | 10.4593% | 3,468 |
| Core capital (leverage) ratio | 7.3004% | 6,998 |
| Tier 1 risk-based capital ratio | 10.0130% | 7,018 |
| Total risk-based capital ratio | 10.9189% | 7,188 |
| Memoranda: | ||
| Average total assets | $96,811,670 | 5,170 |
| Average earning assets | $89,145,330 | 5,131 |
| Average equity | $10,187,670 | 5,147 |
| Average total loans | $71,296,000 | 4,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 1,463 |
| Cost of funding earning assets | 1.6315% | 2,765 |
| Net interest margin | 4.1669% | 2,165 |
| Noninterest income to average assets | 0.5911% | 3,337 |
| Noninterest expense to average assets | 2.3936% | 6,111 |
| Loan and lease loss provision to assets | -0.0083% | 7,836 |
| Net operating income to assets | 2.0439% | 326 |
| Return on assets (ROA) | 2.0439% | 355 |
| Pretax return on assets | 2.0439% | 562 |
| Return on Equity (ROE) | 19.3631% | 416 |
| Retained earnings to average equity (ytd only) | -17.3124% | 7,288 |
| Net charge-offs to loans | -0.0112% | 6,917 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5977% | 7,186 |
| Assets per employee ($millions) | 3.7256% | 4,510 |
| Cash dividends to net income (ytd only)* | 189.4094% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,911 |
| Loan loss allowance to noncurrent loans | 174.9296% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 5,624 |
| Noncurrent loans to loans | 0.5002% | 6,297 |
| Net loans and leases to total assets | 72.6199% | 2,296 |
| Net loans and leases to deposits | 88.6302% | 2,108 |
| Net loans and leases to core deposits | 92.9947% | 2,978 |
| Total domestic deposits to total assets | 81.9359% | 5,101 |
| Equity capital to assets | 10.2606% | 3,521 |
| Core capital (leverage) ratio | 7.0901% | 7,184 |
| Tier 1 risk-based capital ratio | 9.5895% | 7,257 |
| Total risk-based capital ratio | 10.5038% | 7,403 |
| Memoranda: | ||
| Average total assets | $96,089,000 | 5,253 |
| Average earning assets | $88,508,000 | 5,214 |
| Average equity | $10,143,000 | 5,200 |
| Average total loans | $71,200,500 | 4,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2554% | 1,105 |
| Cost of funding earning assets | 1.9327% | 3,283 |
| Net interest margin | 4.3227% | 1,651 |
| Noninterest income to average assets | 0.6345% | 3,390 |
| Noninterest expense to average assets | 2.6003% | 5,798 |
| Loan and lease loss provision to assets | 0.1560% | 6,113 |
| Net operating income to assets | 1.8245% | 339 |
| Return on assets (ROA) | 1.8245% | 349 |
| Pretax return on assets | 1.8245% | 602 |
| Return on Equity (ROE) | 17.0552% | 456 |
| Retained earnings to average equity (ytd only) | 3.2613% | 2,875 |
| Net charge-offs to loans | 0.2056% | 5,347 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 12.6959% | 1,485 |
| Efficiency ratio | 54.3948% | 7,186 |
| Assets per employee ($millions) | 3.6658% | 4,605 |
| Cash dividends to net income (ytd only)* | 80.8781% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,923 |
| Loan loss allowance to noncurrent loans | 189.9083% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 5,560 |
| Noncurrent loans to loans | 0.4578% | 6,348 |
| Net loans and leases to total assets | 74.2981% | 2,198 |
| Net loans and leases to deposits | 91.4733% | 1,969 |
| Net loans and leases to core deposits | 104.8692% | 3,463 |
| Total domestic deposits to total assets | 81.2238% | 5,259 |
| Equity capital to assets | 10.8559% | 2,814 |
| Core capital (leverage) ratio | 7.4836% | 6,804 |
| Tier 1 risk-based capital ratio | 10.1995% | 6,685 |
| Total risk-based capital ratio | 11.1141% | 6,953 |
| Memoranda: | ||
| Average total assets | $94,873,000 | 5,245 |
| Average earning assets | $86,612,800 | 5,242 |
| Average equity | $10,149,400 | 5,254 |
| Average total loans | $71,993,200 | 4,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3226% | 1,085 |
| Cost of funding earning assets | 1.9948% | 3,383 |
| Net interest margin | 4.3278% | 1,650 |
| Noninterest income to average assets | 0.6599% | 3,291 |
| Noninterest expense to average assets | 2.4594% | 6,217 |
| Loan and lease loss provision to assets | -0.0028% | 8,036 |
| Net operating income to assets | 2.1471% | 211 |
| Return on assets (ROA) | 2.1471% | 229 |
| Pretax return on assets | 2.1471% | 400 |
| Return on Equity (ROE) | 20.1448% | 301 |
| Retained earnings to average equity (ytd only) | 1.6634% | 4,381 |
| Net charge-offs to loans | -0.0037% | 7,613 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0391% | 7,481 |
| Assets per employee ($millions) | 3.6015% | 4,683 |
| Cash dividends to net income (ytd only)* | 91.7429% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 6,942 |
| Loan loss allowance to noncurrent loans | 98.2595% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3691% | 4,350 |
| Noncurrent loans to loans | 0.8676% | 5,556 |
| Net loans and leases to total assets | 77.1305% | 1,760 |
| Net loans and leases to deposits | 93.6297% | 1,945 |
| Net loans and leases to core deposits | 107.7953% | 3,494 |
| Total domestic deposits to total assets | 82.3783% | 4,509 |
| Equity capital to assets | 10.8586% | 3,153 |
| Core capital (leverage) ratio | 7.3215% | 7,172 |
| Tier 1 risk-based capital ratio | 9.7361% | 7,208 |
| Total risk-based capital ratio | 10.6390% | 7,413 |
| Memoranda: | ||
| Average total assets | $94,763,250 | 5,279 |
| Average earning assets | $86,354,750 | 5,294 |
| Average equity | $10,100,000 | 5,311 |
| Average total loans | $72,132,500 | 4,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 1,191 |
| Cost of funding earning assets | 2.0477% | 3,530 |
| Net interest margin | 4.2594% | 1,783 |
| Noninterest income to average assets | 0.7084% | 2,941 |
| Noninterest expense to average assets | 2.3965% | 6,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1905% | 199 |
| Return on assets (ROA) | 2.1905% | 219 |
| Pretax return on assets | 2.1905% | 367 |
| Return on Equity (ROE) | 20.6801% | 293 |
| Retained earnings to average equity (ytd only) | 1.3297% | 4,602 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9083% | 7,677 |
| Assets per employee ($millions) | 4.1273% | 3,438 |
| Cash dividends to net income (ytd only)* | 93.5701% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,919 |
| Loan loss allowance to noncurrent loans | 128.8382% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2030% | 4,530 |
| Noncurrent loans to loans | 0.6714% | 5,905 |
| Net loans and leases to total assets | 74.9705% | 2,442 |
| Net loans and leases to deposits | 92.4500% | 2,386 |
| Net loans and leases to core deposits | 106.7755% | 3,748 |
| Total domestic deposits to total assets | 81.0930% | 5,043 |
| Equity capital to assets | 10.6312% | 3,269 |
| Core capital (leverage) ratio | 7.0511% | 7,501 |
| Tier 1 risk-based capital ratio | 9.6559% | 7,264 |
| Total risk-based capital ratio | 10.5629% | 7,514 |
| Memoranda: | ||
| Average total assets | $95,137,670 | 5,306 |
| Average earning assets | $86,631,670 | 5,314 |
| Average equity | $10,077,330 | 5,341 |
| Average total loans | $71,894,670 | 4,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3335% | 1,208 |
| Cost of funding earning assets | 2.0709% | 3,791 |
| Net interest margin | 4.2626% | 1,694 |
| Noninterest income to average assets | 0.6720% | 3,059 |
| Noninterest expense to average assets | 2.3897% | 6,230 |
| Loan and lease loss provision to assets | -0.0126% | 8,176 |
| Net operating income to assets | 2.1503% | 255 |
| Return on assets (ROA) | 2.1503% | 297 |
| Pretax return on assets | 2.1503% | 492 |
| Return on Equity (ROE) | 20.3376% | 400 |
| Retained earnings to average equity (ytd only) | 10.4071% | 1,096 |
| Net charge-offs to loans | -0.0167% | 7,388 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3711% | 7,560 |
| Assets per employee ($millions) | 4.2394% | 3,192 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 6,896 |
| Loan loss allowance to noncurrent loans | 225.8182% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 4,016 |
| Noncurrent loans to loans | 0.3828% | 6,463 |
| Net loans and leases to total assets | 73.0488% | 2,997 |
| Net loans and leases to deposits | 93.3965% | 2,372 |
| Net loans and leases to core deposits | 108.6407% | 3,600 |
| Total domestic deposits to total assets | 78.2136% | 5,938 |
| Equity capital to assets | 10.5470% | 3,417 |
| Core capital (leverage) ratio | 7.5364% | 7,110 |
| Tier 1 risk-based capital ratio | 9.9641% | 6,968 |
| Total risk-based capital ratio | 10.8767% | 7,250 |
| Memoranda: | ||
| Average total assets | $95,242,500 | 5,325 |
| Average earning assets | $86,145,000 | 5,350 |
| Average equity | $10,070,000 | 5,363 |
| Average total loans | $71,947,500 | 4,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9180% | 1,353 |
| Cost of funding earning assets | 2.4200% | 4,635 |
| Net interest margin | 4.4980% | 1,427 |
| Noninterest income to average assets | 0.6850% | 3,210 |
| Noninterest expense to average assets | 2.4480% | 6,217 |
| Loan and lease loss provision to assets | 0.0722% | 6,494 |
| Net operating income to assets | 2.2093% | 232 |
| Return on assets (ROA) | 2.2393% | 216 |
| Pretax return on assets | 2.2393% | 365 |
| Return on Equity (ROE) | 20.3688% | 346 |
| Retained earnings to average equity (ytd only) | -7.1094% | 6,795 |
| Net charge-offs to loans | 0.0933% | 5,397 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 31.6154% | 1,130 |
| Efficiency ratio | 49.3192% | 7,709 |
| Assets per employee ($millions) | 4.0426% | 3,428 |
| Cash dividends to net income (ytd only)* | 134.9033% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 6,842 |
| Loan loss allowance to noncurrent loans | 61.6683% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.6864% | 2,882 |
| Noncurrent loans to loans | 1.3977% | 3,722 |
| Net loans and leases to total assets | 76.8195% | 2,422 |
| Net loans and leases to deposits | 97.6726% | 2,175 |
| Net loans and leases to core deposits | 116.2987% | 3,094 |
| Total domestic deposits to total assets | 78.6500% | 5,501 |
| Equity capital to assets | 10.6002% | 3,388 |
| Core capital (leverage) ratio | 7.1668% | 7,554 |
| Tier 1 risk-based capital ratio | 9.3683% | 7,439 |
| Total risk-based capital ratio | 10.3079% | 7,720 |
| Memoranda: | ||
| Average total assets | $90,074,200 | 5,351 |
| Average earning assets | $80,991,600 | 5,404 |
| Average equity | $9,902,400 | 5,441 |
| Average total loans | $69,649,200 | 4,883 |