Home > Bank of Star Valley > Performance and Condition Ratios
Bank of Star Valley, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 1,853 |
| Cost of funding earning assets | 1.6532% | 2,844 |
| Net interest margin | 3.9586% | 1,369 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 1.8552% | 3,830 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 2.0991% | 392 |
| Return on assets (ROA) | 2.0991% | 399 |
| Pretax return on assets | 2.0991% | 588 |
| Return on Equity (ROE) | 20.1000% | 429 |
| Retained earnings to average equity (ytd only) | 7.6564% | 1,796 |
| Net charge-offs to loans | 0.1135% | 769 |
| Credit loss provision to net charge-offs | 206.4516% | 886 |
| Earnings coverage of net charge-offs (x) | 35.9355% | 1,142 |
| Efficiency ratio | 45.4456% | 4,121 |
| Assets per employee ($millions) | 11.8705% | 463 |
| Cash dividends to net income (ytd only)* | 61.9048% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,495 |
| Loan loss allowance to noncurrent loans | 2,508.4746% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 2,644 |
| Noncurrent loans to loans | 0.0538% | 3,413 |
| Net loans and leases to total assets | 53.6300% | 3,370 |
| Net loans and leases to deposits | 62.6193% | 3,340 |
| Net loans and leases to core deposits | 74.5036% | 3,046 |
| Total domestic deposits to total assets | 85.6400% | 2,431 |
| Equity capital to assets | 10.6185% | 1,860 |
| Core capital (leverage) ratio | 11.2891% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8616% | 776 |
| Memoranda: | ||
| Average total assets | $400,179,000 | 2,072 |
| Average earning assets | $382,764,500 | 2,030 |
| Average equity | $41,795,000 | 1,966 |
| Average total loans | $218,572,000 | 2,293 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 2,455 |
| Cost of funding earning assets | 1.8681% | 2,541 |
| Net interest margin | 3.4718% | 2,136 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 1.6847% | 4,103 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.9032% | 465 |
| Return on assets (ROA) | 1.9032% | 470 |
| Pretax return on assets | 1.9032% | 708 |
| Return on Equity (ROE) | 19.3900% | 445 |
| Retained earnings to average equity (ytd only) | 8.6450% | 902 |
| Net charge-offs to loans | 0.0245% | 2,086 |
| Credit loss provision to net charge-offs | 507.8431% | 622 |
| Earnings coverage of net charge-offs (x) | 152.9412% | 613 |
| Efficiency ratio | 46.1140% | 4,164 |
| Assets per employee ($millions) | 12.0231% | 425 |
| Cash dividends to net income (ytd only)* | 55.4038% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,554 |
| Loan loss allowance to noncurrent loans | 17,023.5294% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,715 |
| Noncurrent loans to loans | 0.0078% | 3,710 |
| Net loans and leases to total assets | 54.1500% | 3,387 |
| Net loans and leases to deposits | 63.1466% | 3,384 |
| Net loans and leases to core deposits | 77.2890% | 2,957 |
| Total domestic deposits to total assets | 85.7500% | 2,301 |
| Equity capital to assets | 10.2666% | 1,987 |
| Core capital (leverage) ratio | 10.9078% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2581% | 740 |
| Memoranda: | ||
| Average total assets | $396,223,800 | 2,056 |
| Average earning assets | $378,999,400 | 2,016 |
| Average equity | $38,901,200 | 2,018 |
| Average total loans | $208,117,200 | 2,311 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 2,672 |
| Cost of funding earning assets | 1.8618% | 2,570 |
| Net interest margin | 3.3303% | 2,386 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 1.6434% | 4,138 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.7410% | 641 |
| Return on assets (ROA) | 1.7410% | 644 |
| Pretax return on assets | 1.7410% | 953 |
| Return on Equity (ROE) | 17.9400% | 591 |
| Retained earnings to average equity (ytd only) | 9.0660% | 1,100 |
| Net charge-offs to loans | 0.0045% | 2,529 |
| Credit loss provision to net charge-offs | 4,571.4286% | 107 |
| Earnings coverage of net charge-offs (x) | 786.5714% | 164 |
| Efficiency ratio | 46.9965% | 4,123 |
| Assets per employee ($millions) | 13.1998% | 323 |
| Cash dividends to net income (ytd only)* | 49.4586% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,419 |
| Loan loss allowance to noncurrent loans | 12,495.8333% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,762 |
| Noncurrent loans to loans | 0.0110% | 3,712 |
| Net loans and leases to total assets | 52.5300% | 3,511 |
| Net loans and leases to deposits | 60.6775% | 3,556 |
| Net loans and leases to core deposits | 70.6213% | 3,360 |
| Total domestic deposits to total assets | 86.5700% | 1,740 |
| Equity capital to assets | 10.2025% | 2,160 |
| Core capital (leverage) ratio | 10.7953% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0394% | 788 |
| Memoranda: | ||
| Average total assets | $396,089,500 | 2,052 |
| Average earning assets | $379,052,250 | 2,018 |
| Average equity | $38,443,000 | 2,038 |
| Average total loans | $205,711,750 | 2,317 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 2,962 |
| Cost of funding earning assets | 1.7987% | 2,621 |
| Net interest margin | 3.1955% | 2,643 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.6502% | 4,144 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.6425% | 748 |
| Return on assets (ROA) | 1.6425% | 745 |
| Pretax return on assets | 1.6425% | 1,065 |
| Return on Equity (ROE) | 17.2300% | 693 |
| Retained earnings to average equity (ytd only) | 9.4212% | 997 |
| Net charge-offs to loans | 0.0040% | 2,325 |
| Credit loss provision to net charge-offs | 2,075.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 133 |
| Efficiency ratio | 49.2984% | 4,051 |
| Assets per employee ($millions) | 12.2085% | 393 |
| Cash dividends to net income (ytd only)* | 45.3217% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,547 |
| Loan loss allowance to noncurrent loans | 25,136.3636% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,800 |
| Noncurrent loans to loans | 0.0054% | 3,750 |
| Net loans and leases to total assets | 51.7400% | 3,556 |
| Net loans and leases to deposits | 60.9158% | 3,529 |
| Net loans and leases to core deposits | 71.6913% | 3,284 |
| Total domestic deposits to total assets | 84.9400% | 2,333 |
| Equity capital to assets | 9.8673% | 2,157 |
| Core capital (leverage) ratio | 11.2363% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2887% | 751 |
| Memoranda: | ||
| Average total assets | $391,721,667 | 2,060 |
| Average earning assets | $374,279,333 | 2,026 |
| Average equity | $37,341,333 | 2,046 |
| Average total loans | $201,636,667 | 2,336 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 3,203 |
| Cost of funding earning assets | 1.7679% | 2,593 |
| Net interest margin | 3.0007% | 2,994 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.6061% | 4,186 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.3583% | 1,131 |
| Return on assets (ROA) | 1.3583% | 1,144 |
| Pretax return on assets | 1.3583% | 1,517 |
| Return on Equity (ROE) | 14.5000% | 1,059 |
| Retained earnings to average equity (ytd only) | 8.4274% | 1,446 |
| Net charge-offs to loans | 0.0080% | 1,795 |
| Credit loss provision to net charge-offs | 1,275.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 345.7500% | 270 |
| Efficiency ratio | 53.2454% | 3,811 |
| Assets per employee ($millions) | 11.5455% | 484 |
| Cash dividends to net income (ytd only)* | 41.8919% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,476 |
| Loan loss allowance to noncurrent loans | 2,938.7097% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,580 |
| Noncurrent loans to loans | 0.0467% | 3,423 |
| Net loans and leases to total assets | 51.5100% | 3,519 |
| Net loans and leases to deposits | 60.0526% | 3,510 |
| Net loans and leases to core deposits | 70.1980% | 3,330 |
| Total domestic deposits to total assets | 85.7800% | 2,164 |
| Equity capital to assets | 9.7026% | 2,197 |
| Core capital (leverage) ratio | 10.9271% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3732% | 651 |
| Memoranda: | ||
| Average total assets | $392,246,000 | 2,063 |
| Average earning assets | $373,774,500 | 2,032 |
| Average equity | $36,737,500 | 2,071 |
| Average total loans | $200,001,000 | 2,347 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 3,060 |
| Cost of funding earning assets | 1.2904% | 2,549 |
| Net interest margin | 3.2307% | 2,796 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.6637% | 4,178 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6385% | 813 |
| Return on assets (ROA) | 1.5846% | 851 |
| Pretax return on assets | 1.5846% | 1,262 |
| Return on Equity (ROE) | 18.4800% | 761 |
| Retained earnings to average equity (ytd only) | 9.5425% | 1,124 |
| Net charge-offs to loans | 0.0045% | 2,562 |
| Credit loss provision to net charge-offs | 3,944.4444% | 132 |
| Earnings coverage of net charge-offs (x) | 734.2222% | 194 |
| Efficiency ratio | 49.0005% | 4,040 |
| Assets per employee ($millions) | 12.2270% | 392 |
| Cash dividends to net income (ytd only)* | 48.3711% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,621 |
| Loan loss allowance to noncurrent loans | 2,827.3684% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,551 |
| Noncurrent loans to loans | 0.0473% | 3,383 |
| Net loans and leases to total assets | 49.1500% | 3,647 |
| Net loans and leases to deposits | 56.8217% | 3,671 |
| Net loans and leases to core deposits | 65.4246% | 3,520 |
| Total domestic deposits to total assets | 86.5000% | 1,861 |
| Equity capital to assets | 9.0481% | 2,642 |
| Core capital (leverage) ratio | 10.3811% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2032% | 763 |
| Memoranda: | ||
| Average total assets | $381,618,400 | 2,074 |
| Average earning assets | $364,530,400 | 2,027 |
| Average equity | $32,716,800 | 2,156 |
| Average total loans | $199,895,600 | 2,287 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 3,161 |
| Cost of funding earning assets | 1.1452% | 2,604 |
| Net interest margin | 3.2231% | 2,862 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.6443% | 4,194 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.5706% | 981 |
| Return on assets (ROA) | 1.4976% | 1,113 |
| Pretax return on assets | 1.4976% | 1,561 |
| Return on Equity (ROE) | 17.7300% | 979 |
| Retained earnings to average equity (ytd only) | 9.9759% | 1,409 |
| Net charge-offs to loans | 0.0053% | 2,267 |
| Credit loss provision to net charge-offs | 5,800.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 611.8750% | 255 |
| Efficiency ratio | 48.6574% | 4,005 |
| Assets per employee ($millions) | 11.9595% | 380 |
| Cash dividends to net income (ytd only)* | 43.7396% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,585 |
| Loan loss allowance to noncurrent loans | 139,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,886 |
| Noncurrent loans to loans | 0.0010% | 3,829 |
| Net loans and leases to total assets | 52.6400% | 3,451 |
| Net loans and leases to deposits | 60.9472% | 3,452 |
| Net loans and leases to core deposits | 69.7453% | 3,219 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 8.5233% | 2,715 |
| Core capital (leverage) ratio | 10.7164% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1433% | 797 |
| Memoranda: | ||
| Average total assets | $376,150,500 | 2,100 |
| Average earning assets | $359,980,250 | 2,039 |
| Average equity | $31,769,000 | 2,177 |
| Average total loans | $199,619,750 | 2,287 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 3,315 |
| Cost of funding earning assets | 0.9526% | 2,761 |
| Net interest margin | 3.2377% | 2,890 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.6734% | 4,181 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.5574% | 1,010 |
| Return on assets (ROA) | 1.4472% | 1,209 |
| Pretax return on assets | 1.4472% | 1,706 |
| Return on Equity (ROE) | 17.1900% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.6171% | 1,508 |
| Net charge-offs to loans | 0.0061% | 2,023 |
| Credit loss provision to net charge-offs | 4,750.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 532.8333% | 278 |
| Efficiency ratio | 49.4625% | 3,971 |
| Assets per employee ($millions) | 11.9619% | 380 |
| Cash dividends to net income (ytd only)* | 44.0503% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,024 |
| Loan loss allowance to noncurrent loans | 87,300.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,903 |
| Noncurrent loans to loans | 0.0015% | 3,830 |
| Net loans and leases to total assets | 54.5900% | 3,226 |
| Net loans and leases to deposits | 63.9639% | 3,192 |
| Net loans and leases to core deposits | 72.3052% | 2,997 |
| Total domestic deposits to total assets | 85.3500% | 2,443 |
| Equity capital to assets | 8.6821% | 2,728 |
| Core capital (leverage) ratio | 10.5234% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5828% | 867 |
| Memoranda: | ||
| Average total assets | $373,966,333 | 2,109 |
| Average earning assets | $357,969,667 | 2,056 |
| Average equity | $31,485,667 | 2,202 |
| Average total loans | $198,081,333 | 2,304 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,508 |
| Cost of funding earning assets | 0.6590% | 3,194 |
| Net interest margin | 3.3103% | 2,853 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.6254% | 4,276 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.8416% | 628 |
| Return on assets (ROA) | 1.6222% | 944 |
| Pretax return on assets | 1.6222% | 1,411 |
| Return on Equity (ROE) | 19.5700% | 812 |
| Retained earnings to average equity (ytd only) | 16.0612% | 686 |
| Net charge-offs to loans | 0.0021% | 1,959 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1,708.0000% | 50 |
| Efficiency ratio | 47.1861% | 4,143 |
| Assets per employee ($millions) | 11.7157% | 431 |
| Cash dividends to net income (ytd only)* | 17.9251% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,689 |
| Loan loss allowance to noncurrent loans | 1,246.2366% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,289 |
| Noncurrent loans to loans | 0.0943% | 3,076 |
| Net loans and leases to total assets | 51.9900% | 3,346 |
| Net loans and leases to deposits | 59.6128% | 3,356 |
| Net loans and leases to core deposits | 65.1677% | 3,278 |
| Total domestic deposits to total assets | 87.2100% | 2,184 |
| Equity capital to assets | 8.7129% | 2,726 |
| Core capital (leverage) ratio | 10.4776% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7453% | 874 |
| Memoranda: | ||
| Average total assets | $375,539,500 | 2,126 |
| Average earning assets | $359,966,000 | 2,071 |
| Average equity | $31,131,000 | 2,245 |
| Average total loans | $194,592,500 | 2,344 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 3,310 |
| Cost of funding earning assets | 0.2479% | 3,341 |
| Net interest margin | 3.1658% | 2,968 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.5450% | 4,377 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7723% | 464 |
| Return on assets (ROA) | 1.7814% | 443 |
| Pretax return on assets | 1.7814% | 772 |
| Return on Equity (ROE) | 21.8100% | 347 |
| Retained earnings to average equity (ytd only) | 13.8224% | 409 |
| Net charge-offs to loans | 0.0235% | 1,591 |
| Credit loss provision to net charge-offs | 628.5714% | 581 |
| Earnings coverage of net charge-offs (x) | 162.8095% | 747 |
| Efficiency ratio | 45.5963% | 4,368 |
| Assets per employee ($millions) | 11.7555% | 420 |
| Cash dividends to net income (ytd only)* | 36.6223% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,093 |
| Loan loss allowance to noncurrent loans | 1,337.5691% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,325 |
| Noncurrent loans to loans | 0.0943% | 3,090 |
| Net loans and leases to total assets | 50.3900% | 3,476 |
| Net loans and leases to deposits | 56.0131% | 3,579 |
| Net loans and leases to core deposits | 59.0872% | 3,550 |
| Total domestic deposits to total assets | 89.9600% | 1,384 |
| Equity capital to assets | 7.8679% | 3,143 |
| Core capital (leverage) ratio | 9.8960% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0093% | 977 |
| Memoranda: | ||
| Average total assets | $370,935,800 | 2,140 |
| Average earning assets | $356,594,600 | 2,082 |
| Average equity | $30,298,600 | 2,323 |
| Average total loans | $178,847,600 | 2,387 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2318% | 3,356 |
| Cost of funding earning assets | 0.2024% | 3,244 |
| Net interest margin | 3.0294% | 3,145 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.5222% | 4,396 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.6669% | 574 |
| Return on assets (ROA) | 1.6791% | 542 |
| Pretax return on assets | 1.6791% | 943 |
| Return on Equity (ROE) | 20.3700% | 402 |
| Retained earnings to average equity (ytd only) | 16.5339% | 241 |
| Net charge-offs to loans | 0.0304% | 1,230 |
| Credit loss provision to net charge-offs | 547.5000% | 578 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 840 |
| Efficiency ratio | 46.5784% | 4,348 |
| Assets per employee ($millions) | 11.3829% | 459 |
| Cash dividends to net income (ytd only)* | 18.8185% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,574.8344% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,501 |
| Noncurrent loans to loans | 0.0798% | 3,306 |
| Net loans and leases to total assets | 49.7400% | 3,482 |
| Net loans and leases to deposits | 55.0567% | 3,543 |
| Net loans and leases to core deposits | 57.8756% | 3,511 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 7.5695% | 3,171 |
| Core capital (leverage) ratio | 9.8397% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0136% | 987 |
| Memoranda: | ||
| Average total assets | $369,625,750 | 2,157 |
| Average earning assets | $355,791,250 | 2,099 |
| Average equity | $30,474,000 | 2,345 |
| Average total loans | $175,566,500 | 2,417 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 3,480 |
| Cost of funding earning assets | 0.1940% | 2,987 |
| Net interest margin | 2.8348% | 3,330 |
| Noninterest income to average assets | 0.3650% | 2,958 |
| Noninterest expense to average assets | 1.5157% | 4,402 |
| Loan and lease loss provision to assets | 0.0702% | 1,361 |
| Net operating income to assets | 1.5054% | 699 |
| Return on assets (ROA) | 1.5238% | 645 |
| Pretax return on assets | 1.5238% | 1,113 |
| Return on Equity (ROE) | 17.9816% | 474 |
| Retained earnings to average equity (ytd only) | 14.1170% | 349 |
| Net charge-offs to loans | -0.0281% | 4,018 |
| Credit loss provision to net charge-offs | -537.5000% | 3,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0320% | 4,308 |
| Assets per employee ($millions) | 11.3145% | 456 |
| Cash dividends to net income (ytd only)* | 21.4923% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,507.6923% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,570 |
| Noncurrent loans to loans | 0.0894% | 3,327 |
| Net loans and leases to total assets | 46.1022% | 3,705 |
| Net loans and leases to deposits | 51.0459% | 3,757 |
| Net loans and leases to core deposits | 53.5797% | 3,722 |
| Total domestic deposits to total assets | 90.3152% | 1,573 |
| Equity capital to assets | 7.7402% | 3,312 |
| Core capital (leverage) ratio | 9.3934% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8920% | 1,007 |
| Memoranda: | ||
| Average total assets | $367,622,000 | 2,168 |
| Average earning assets | $353,540,000 | 2,125 |
| Average equity | $31,154,000 | 2,360 |
| Average total loans | $171,013,333 | 2,454 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8787% | 3,584 |
| Cost of funding earning assets | 0.1938% | 2,877 |
| Net interest margin | 2.6849% | 3,438 |
| Noninterest income to average assets | 0.4288% | 2,503 |
| Noninterest expense to average assets | 1.5156% | 4,404 |
| Loan and lease loss provision to assets | 0.0987% | 846 |
| Net operating income to assets | 1.3971% | 806 |
| Return on assets (ROA) | 1.4344% | 734 |
| Pretax return on assets | 1.4344% | 1,166 |
| Return on Equity (ROE) | 16.2077% | 512 |
| Retained earnings to average equity (ytd only) | 12.1434% | 583 |
| Net charge-offs to loans | 0.0307% | 998 |
| Credit loss provision to net charge-offs | 692.3077% | 428 |
| Earnings coverage of net charge-offs (x) | 104.9231% | 660 |
| Efficiency ratio | 50.3277% | 4,299 |
| Assets per employee ($millions) | 11.0949% | 492 |
| Cash dividends to net income (ytd only)* | 25.0765% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,149 |
| Loan loss allowance to noncurrent loans | 1,422.5000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,598 |
| Noncurrent loans to loans | 0.0943% | 3,370 |
| Net loans and leases to total assets | 45.7022% | 3,609 |
| Net loans and leases to deposits | 50.8317% | 3,657 |
| Net loans and leases to core deposits | 53.5799% | 3,627 |
| Total domestic deposits to total assets | 89.9089% | 1,615 |
| Equity capital to assets | 8.3202% | 3,308 |
| Core capital (leverage) ratio | 9.5681% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2271% | 1,448 |
| Memoranda: | ||
| Average total assets | $364,744,500 | 2,185 |
| Average earning assets | $350,854,000 | 2,141 |
| Average equity | $32,281,000 | 2,374 |
| Average total loans | $169,276,500 | 2,463 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 3,833 |
| Cost of funding earning assets | 0.2653% | 2,754 |
| Net interest margin | 2.7564% | 3,765 |
| Noninterest income to average assets | 0.4135% | 2,981 |
| Noninterest expense to average assets | 1.6078% | 4,416 |
| Loan and lease loss provision to assets | 0.0788% | 1,552 |
| Net operating income to assets | 1.3682% | 1,381 |
| Return on assets (ROA) | 1.5825% | 886 |
| Pretax return on assets | 1.5825% | 1,473 |
| Return on Equity (ROE) | 16.9152% | 604 |
| Retained earnings to average equity (ytd only) | 12.5235% | 466 |
| Net charge-offs to loans | 0.0242% | 1,760 |
| Credit loss provision to net charge-offs | 736.1111% | 643 |
| Earnings coverage of net charge-offs (x) | 135.1944% | 724 |
| Efficiency ratio | 52.6326% | 4,072 |
| Assets per employee ($millions) | 11.7212% | 427 |
| Cash dividends to net income (ytd only)* | 25.9628% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,353 |
| Loan loss allowance to noncurrent loans | 1,324.6988% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,676 |
| Noncurrent loans to loans | 0.0983% | 3,438 |
| Net loans and leases to total assets | 45.8908% | 3,700 |
| Net loans and leases to deposits | 51.7669% | 3,751 |
| Net loans and leases to core deposits | 54.7701% | 3,705 |
| Total domestic deposits to total assets | 88.6489% | 1,702 |
| Equity capital to assets | 9.3845% | 3,243 |
| Core capital (leverage) ratio | 9.0989% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8195% | 1,309 |
| Memoranda: | ||
| Average total assets | $336,364,800 | 2,268 |
| Average earning assets | $322,306,200 | 2,221 |
| Average equity | $31,468,800 | 2,445 |
| Average total loans | $148,737,400 | 2,643 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0166% | 3,972 |
| Cost of funding earning assets | 0.2812% | 2,782 |
| Net interest margin | 2.7354% | 3,907 |
| Noninterest income to average assets | 0.4102% | 3,033 |
| Noninterest expense to average assets | 1.6176% | 4,447 |
| Loan and lease loss provision to assets | 0.0667% | 1,665 |
| Net operating income to assets | 1.3429% | 1,708 |
| Return on assets (ROA) | 1.6346% | 997 |
| Pretax return on assets | 1.6346% | 1,595 |
| Return on Equity (ROE) | 17.4867% | 691 |
| Retained earnings to average equity (ytd only) | 14.0854% | 502 |
| Net charge-offs to loans | -0.0139% | 3,812 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4340% | 3,879 |
| Assets per employee ($millions) | 11.0736% | 473 |
| Cash dividends to net income (ytd only)* | 19.4506% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,137 |
| Loan loss allowance to noncurrent loans | 1,194.4444% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,801 |
| Noncurrent loans to loans | 0.1149% | 3,515 |
| Net loans and leases to total assets | 43.5966% | 3,989 |
| Net loans and leases to deposits | 49.1355% | 4,059 |
| Net loans and leases to core deposits | 51.9315% | 4,043 |
| Total domestic deposits to total assets | 88.7272% | 1,444 |
| Equity capital to assets | 9.0392% | 3,792 |
| Core capital (leverage) ratio | 8.9790% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5741% | 1,458 |
| Memoranda: | ||
| Average total assets | $329,617,000 | 2,322 |
| Average earning assets | $315,361,500 | 2,273 |
| Average equity | $30,811,250 | 2,508 |
| Average total loans | $143,685,250 | 2,728 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0125% | 4,021 |
| Cost of funding earning assets | 0.2996% | 2,780 |
| Net interest margin | 2.7129% | 3,953 |
| Noninterest income to average assets | 0.4406% | 2,899 |
| Noninterest expense to average assets | 1.6598% | 4,430 |
| Loan and lease loss provision to assets | 0.0685% | 1,681 |
| Net operating income to assets | 1.3050% | 1,854 |
| Return on assets (ROA) | 1.7537% | 837 |
| Pretax return on assets | 1.7537% | 1,346 |
| Return on Equity (ROE) | 18.5366% | 591 |
| Retained earnings to average equity (ytd only) | 15.0898% | 417 |
| Net charge-offs to loans | -0.0258% | 4,096 |
| Credit loss provision to net charge-offs | -611.1111% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7189% | 3,712 |
| Assets per employee ($millions) | 10.7293% | 492 |
| Cash dividends to net income (ytd only)* | 18.5947% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,791 |
| Loan loss allowance to noncurrent loans | 12,341.1765% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,284 |
| Noncurrent loans to loans | 0.0117% | 4,184 |
| Net loans and leases to total assets | 43.0224% | 4,113 |
| Net loans and leases to deposits | 48.9465% | 4,164 |
| Net loans and leases to core deposits | 52.1966% | 4,125 |
| Total domestic deposits to total assets | 87.8969% | 1,887 |
| Equity capital to assets | 9.3945% | 3,427 |
| Core capital (leverage) ratio | 9.0553% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1522% | 1,297 |
| Memoranda: | ||
| Average total assets | $321,370,667 | 2,355 |
| Average earning assets | $307,124,000 | 2,304 |
| Average equity | $30,404,667 | 2,519 |
| Average total loans | $139,368,000 | 2,786 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9115% | 4,238 |
| Cost of funding earning assets | 0.3238% | 2,764 |
| Net interest margin | 2.5877% | 4,170 |
| Noninterest income to average assets | 0.4320% | 2,918 |
| Noninterest expense to average assets | 1.7026% | 4,375 |
| Loan and lease loss provision to assets | 0.0760% | 1,671 |
| Net operating income to assets | 1.1237% | 2,405 |
| Return on assets (ROA) | 2.0345% | 589 |
| Pretax return on assets | 2.0345% | 899 |
| Return on Equity (ROE) | 21.4251% | 435 |
| Retained earnings to average equity (ytd only) | 17.9299% | 371 |
| Net charge-offs to loans | 0.0469% | 1,017 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 59.1875% | 828 |
| Efficiency ratio | 58.6643% | 3,208 |
| Assets per employee ($millions) | 10.2958% | 545 |
| Cash dividends to net income (ytd only)* | 16.3138% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,786 |
| Loan loss allowance to noncurrent loans | 16,783.3333% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,375 |
| Noncurrent loans to loans | 0.0086% | 4,275 |
| Net loans and leases to total assets | 42.9768% | 4,178 |
| Net loans and leases to deposits | 48.7917% | 4,229 |
| Net loans and leases to core deposits | 53.1661% | 4,136 |
| Total domestic deposits to total assets | 88.0822% | 1,810 |
| Equity capital to assets | 9.3756% | 3,308 |
| Core capital (leverage) ratio | 9.2894% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4780% | 1,175 |
| Memoranda: | ||
| Average total assets | $315,752,000 | 2,371 |
| Average earning assets | $301,427,000 | 2,319 |
| Average equity | $29,983,500 | 2,546 |
| Average total loans | $136,455,000 | 2,823 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 3,601 |
| Cost of funding earning assets | 0.4834% | 3,059 |
| Net interest margin | 3.2070% | 3,337 |
| Noninterest income to average assets | 0.3145% | 3,586 |
| Noninterest expense to average assets | 1.8076% | 4,463 |
| Loan and lease loss provision to assets | 0.1173% | 2,889 |
| Net operating income to assets | 1.4704% | 875 |
| Return on assets (ROA) | 1.4891% | 906 |
| Pretax return on assets | 1.4891% | 1,366 |
| Return on Equity (ROE) | 14.9866% | 647 |
| Retained earnings to average equity (ytd only) | 9.9628% | 589 |
| Net charge-offs to loans | 0.0514% | 2,056 |
| Credit loss provision to net charge-offs | 477.6119% | 1,295 |
| Earnings coverage of net charge-offs (x) | 64.6567% | 1,033 |
| Efficiency ratio | 53.2383% | 4,288 |
| Assets per employee ($millions) | 10.0753% | 516 |
| Cash dividends to net income (ytd only)* | 33.5220% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,680 |
| Loan loss allowance to noncurrent loans | 16,416.6667% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,444 |
| Noncurrent loans to loans | 0.0090% | 4,347 |
| Net loans and leases to total assets | 42.1846% | 4,344 |
| Net loans and leases to deposits | 48.5491% | 4,373 |
| Net loans and leases to core deposits | 52.5961% | 4,310 |
| Total domestic deposits to total assets | 86.8906% | 1,991 |
| Equity capital to assets | 9.6189% | 3,486 |
| Core capital (leverage) ratio | 8.9354% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7670% | 1,322 |
| Memoranda: | ||
| Average total assets | $272,846,600 | 2,445 |
| Average earning assets | $262,111,600 | 2,388 |
| Average equity | $27,110,800 | 2,669 |
| Average total loans | $130,315,800 | 2,863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,380 |
| Cost of funding earning assets | 0.5185% | 3,119 |
| Net interest margin | 3.3438% | 3,057 |
| Noninterest income to average assets | 0.2799% | 3,809 |
| Noninterest expense to average assets | 1.8541% | 4,404 |
| Loan and lease loss provision to assets | 0.1396% | 2,622 |
| Net operating income to assets | 1.5038% | 900 |
| Return on assets (ROA) | 1.5281% | 932 |
| Pretax return on assets | 1.5281% | 1,384 |
| Return on Equity (ROE) | 15.2347% | 656 |
| Retained earnings to average equity (ytd only) | 10.9231% | 593 |
| Net charge-offs to loans | 0.0731% | 1,577 |
| Credit loss provision to net charge-offs | 387.3239% | 1,500 |
| Earnings coverage of net charge-offs (x) | 45.6479% | 1,259 |
| Efficiency ratio | 53.0154% | 4,249 |
| Assets per employee ($millions) | 9.3484% | 626 |
| Cash dividends to net income (ytd only)* | 28.3013% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,722 |
| Loan loss allowance to noncurrent loans | 589.2638% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 3,872 |
| Noncurrent loans to loans | 0.2382% | 3,454 |
| Net loans and leases to total assets | 46.5574% | 4,286 |
| Net loans and leases to deposits | 53.7167% | 4,344 |
| Net loans and leases to core deposits | 58.6851% | 4,270 |
| Total domestic deposits to total assets | 86.6721% | 1,787 |
| Equity capital to assets | 9.8482% | 3,382 |
| Core capital (leverage) ratio | 9.3529% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6818% | 2,330 |
| Memoranda: | ||
| Average total assets | $262,974,750 | 2,491 |
| Average earning assets | $253,041,250 | 2,430 |
| Average equity | $26,377,750 | 2,703 |
| Average total loans | $129,463,000 | 2,875 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 3,029 |
| Cost of funding earning assets | 0.5497% | 3,236 |
| Net interest margin | 3.5606% | 2,608 |
| Noninterest income to average assets | 0.2795% | 3,795 |
| Noninterest expense to average assets | 1.9084% | 4,403 |
| Loan and lease loss provision to assets | 0.1811% | 2,214 |
| Net operating income to assets | 1.6069% | 751 |
| Return on assets (ROA) | 1.6423% | 751 |
| Pretax return on assets | 1.6423% | 1,123 |
| Return on Equity (ROE) | 16.2607% | 525 |
| Retained earnings to average equity (ytd only) | 11.6771% | 500 |
| Net charge-offs to loans | 0.0142% | 2,469 |
| Credit loss provision to net charge-offs | 2,555.5556% | 400 |
| Earnings coverage of net charge-offs (x) | 252.3333% | 368 |
| Efficiency ratio | 51.6294% | 4,386 |
| Assets per employee ($millions) | 8.2796% | 874 |
| Cash dividends to net income (ytd only)* | 28.1879% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,356 |
| Loan loss allowance to noncurrent loans | 519.5710% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,862 |
| Noncurrent loans to loans | 0.2828% | 3,366 |
| Net loans and leases to total assets | 46.1679% | 4,355 |
| Net loans and leases to deposits | 54.0678% | 4,377 |
| Net loans and leases to core deposits | 59.4800% | 4,289 |
| Total domestic deposits to total assets | 85.3889% | 2,243 |
| Equity capital to assets | 9.8087% | 3,357 |
| Core capital (leverage) ratio | 9.5560% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2639% | 2,081 |
| Memoranda: | ||
| Average total assets | $254,033,333 | 2,519 |
| Average earning assets | $243,779,667 | 2,464 |
| Average equity | $25,657,000 | 2,742 |
| Average total loans | $127,002,667 | 2,892 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,581 |
| Cost of funding earning assets | 0.5992% | 3,441 |
| Net interest margin | 3.4788% | 3,050 |
| Noninterest income to average assets | 0.3113% | 3,650 |
| Noninterest expense to average assets | 1.9393% | 4,505 |
| Loan and lease loss provision to assets | 0.0749% | 2,795 |
| Net operating income to assets | 1.6213% | 595 |
| Return on assets (ROA) | 1.6363% | 639 |
| Pretax return on assets | 1.6363% | 979 |
| Return on Equity (ROE) | 15.9323% | 432 |
| Retained earnings to average equity (ytd only) | 10.8754% | 583 |
| Net charge-offs to loans | 0.0225% | 1,916 |
| Credit loss provision to net charge-offs | 642.8571% | 756 |
| Earnings coverage of net charge-offs (x) | 145.5714% | 442 |
| Efficiency ratio | 53.3425% | 4,446 |
| Assets per employee ($millions) | 8.6952% | 589 |
| Cash dividends to net income (ytd only)* | 31.7396% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,547 |
| Loan loss allowance to noncurrent loans | 558.9172% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 3,992 |
| Noncurrent loans to loans | 0.2579% | 3,569 |
| Net loans and leases to total assets | 49.2905% | 4,272 |
| Net loans and leases to deposits | 56.8380% | 4,336 |
| Net loans and leases to core deposits | 62.5371% | 4,256 |
| Total domestic deposits to total assets | 86.7209% | 1,681 |
| Equity capital to assets | 10.1456% | 3,657 |
| Core capital (leverage) ratio | 10.5107% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2211% | 1,296 |
| Memoranda: | ||
| Average total assets | $240,297,500 | 2,557 |
| Average earning assets | $229,620,500 | 2,500 |
| Average equity | $24,679,500 | 2,799 |
| Average total loans | $124,552,500 | 2,907 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,775 |
| Cost of funding earning assets | 0.5150% | 4,024 |
| Net interest margin | 4.0371% | 1,723 |
| Noninterest income to average assets | 0.3590% | 3,552 |
| Noninterest expense to average assets | 2.0056% | 4,522 |
| Loan and lease loss provision to assets | 0.1249% | 1,703 |
| Net operating income to assets | 2.0743% | 290 |
| Return on assets (ROA) | 2.0743% | 299 |
| Pretax return on assets | 2.0743% | 506 |
| Return on Equity (ROE) | 20.2249% | 204 |
| Retained earnings to average equity (ytd only) | 12.0236% | 238 |
| Net charge-offs to loans | 0.0182% | 3,067 |
| Credit loss provision to net charge-offs | 1,272.7273% | 271 |
| Earnings coverage of net charge-offs (x) | 224.1364% | 363 |
| Efficiency ratio | 47.6983% | 4,845 |
| Assets per employee ($millions) | 8.4689% | 600 |
| Cash dividends to net income (ytd only)* | 40.5504% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,719 |
| Loan loss allowance to noncurrent loans | 509.4955% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 3,926 |
| Noncurrent loans to loans | 0.2646% | 3,496 |
| Net loans and leases to total assets | 52.9785% | 4,149 |
| Net loans and leases to deposits | 61.6370% | 4,207 |
| Net loans and leases to core deposits | 67.6172% | 4,102 |
| Total domestic deposits to total assets | 85.9524% | 2,085 |
| Equity capital to assets | 10.3985% | 3,544 |
| Core capital (leverage) ratio | 9.9255% | 3,598 |
| Tier 1 risk-based capital ratio | 15.5305% | 2,571 |
| Total risk-based capital ratio | 16.6630% | 2,543 |
| Memoranda: | ||
| Average total assets | $224,219,200 | 2,626 |
| Average earning assets | $213,592,400 | 2,574 |
| Average equity | $22,996,400 | 2,868 |
| Average total loans | $120,629,200 | 2,939 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,811 |
| Cost of funding earning assets | 0.4875% | 4,192 |
| Net interest margin | 4.0873% | 1,650 |
| Noninterest income to average assets | 0.3505% | 3,630 |
| Noninterest expense to average assets | 2.0006% | 4,552 |
| Loan and lease loss provision to assets | 0.1418% | 1,358 |
| Net operating income to assets | 2.0984% | 320 |
| Return on assets (ROA) | 2.0984% | 331 |
| Pretax return on assets | 2.0984% | 551 |
| Return on Equity (ROE) | 20.5359% | 222 |
| Retained earnings to average equity (ytd only) | 14.6846% | 171 |
| Net charge-offs to loans | -0.0034% | 4,128 |
| Credit loss provision to net charge-offs | -7,833.3333% | 4,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1760% | 4,892 |
| Assets per employee ($millions) | 8.1481% | 656 |
| Cash dividends to net income (ytd only)* | 28.4934% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,829 |
| Loan loss allowance to noncurrent loans | 528.6604% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,031 |
| Noncurrent loans to loans | 0.2522% | 3,635 |
| Net loans and leases to total assets | 55.0358% | 4,101 |
| Net loans and leases to deposits | 64.4152% | 4,151 |
| Net loans and leases to core deposits | 70.0755% | 4,052 |
| Total domestic deposits to total assets | 85.4391% | 2,237 |
| Equity capital to assets | 10.6892% | 3,389 |
| Core capital (leverage) ratio | 10.6664% | 2,960 |
| Tier 1 risk-based capital ratio | 15.8613% | 2,492 |
| Total risk-based capital ratio | 17.0178% | 2,468 |
| Memoranda: | ||
| Average total assets | $220,991,500 | 2,674 |
| Average earning assets | $210,336,750 | 2,628 |
| Average equity | $22,581,000 | 2,929 |
| Average total loans | $118,950,250 | 2,980 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 2,764 |
| Cost of funding earning assets | 0.4580% | 4,296 |
| Net interest margin | 4.1144% | 1,571 |
| Noninterest income to average assets | 0.3284% | 3,746 |
| Noninterest expense to average assets | 1.9908% | 4,612 |
| Loan and lease loss provision to assets | 0.0503% | 2,812 |
| Net operating income to assets | 2.2076% | 265 |
| Return on assets (ROA) | 2.2076% | 276 |
| Pretax return on assets | 2.2076% | 437 |
| Return on Equity (ROE) | 21.9573% | 166 |
| Retained earnings to average equity (ytd only) | 15.8060% | 135 |
| Net charge-offs to loans | -0.0017% | 3,934 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8562% | 4,946 |
| Assets per employee ($millions) | 8.0492% | 657 |
| Cash dividends to net income (ytd only)* | 28.0149% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,346 |
| Loan loss allowance to noncurrent loans | 12,625.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,787 |
| Noncurrent loans to loans | 0.0098% | 4,678 |
| Net loans and leases to total assets | 53.8469% | 4,221 |
| Net loans and leases to deposits | 64.8878% | 4,172 |
| Net loans and leases to core deposits | 70.5518% | 4,090 |
| Total domestic deposits to total assets | 82.9846% | 3,210 |
| Equity capital to assets | 10.3923% | 3,611 |
| Core capital (leverage) ratio | 10.4521% | 3,141 |
| Tier 1 risk-based capital ratio | 16.1149% | 2,363 |
| Total risk-based capital ratio | 17.2015% | 2,381 |
| Memoranda: | ||
| Average total assets | $218,606,670 | 2,701 |
| Average earning assets | $208,290,670 | 2,656 |
| Average equity | $21,979,000 | 2,975 |
| Average total loans | $116,180,670 | 3,024 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,816 |
| Cost of funding earning assets | 0.4052% | 4,460 |
| Net interest margin | 4.1088% | 1,527 |
| Noninterest income to average assets | 0.3661% | 3,403 |
| Noninterest expense to average assets | 1.9533% | 4,725 |
| Loan and lease loss provision to assets | 0.0372% | 2,878 |
| Net operating income to assets | 2.2953% | 222 |
| Return on assets (ROA) | 2.2953% | 233 |
| Pretax return on assets | 2.2953% | 361 |
| Return on Equity (ROE) | 23.2389% | 141 |
| Retained earnings to average equity (ytd only) | 18.3465% | 133 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5768% | 5,045 |
| Assets per employee ($millions) | 7.7631% | 735 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,037 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,734 |
| Noncurrent loans to loans | 0.0452% | 4,559 |
| Net loans and leases to total assets | 51.2049% | 4,391 |
| Net loans and leases to deposits | 59.6672% | 4,430 |
| Net loans and leases to core deposits | 64.3082% | 4,363 |
| Total domestic deposits to total assets | 85.8175% | 2,352 |
| Equity capital to assets | 10.0830% | 3,735 |
| Core capital (leverage) ratio | 10.2615% | 3,316 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,621 |
| Total risk-based capital ratio | 16.6304% | 2,626 |
| Memoranda: | ||
| Average total assets | $215,221,000 | 2,763 |
| Average earning assets | $205,314,000 | 2,715 |
| Average equity | $21,257,500 | 3,046 |
| Average total loans | $112,834,000 | 3,116 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 3,575 |
| Cost of funding earning assets | 0.3527% | 4,268 |
| Net interest margin | 3.8001% | 2,655 |
| Noninterest income to average assets | 0.4107% | 3,377 |
| Noninterest expense to average assets | 2.0716% | 4,617 |
| Loan and lease loss provision to assets | 0.0124% | 3,895 |
| Net operating income to assets | 1.9448% | 399 |
| Return on assets (ROA) | 1.9448% | 399 |
| Pretax return on assets | 1.9448% | 639 |
| Return on Equity (ROE) | 20.0257% | 250 |
| Retained earnings to average equity (ytd only) | 10.8851% | 462 |
| Net charge-offs to loans | 0.0059% | 3,492 |
| Credit loss provision to net charge-offs | 416.6667% | 799 |
| Earnings coverage of net charge-offs (x) | 658.5000% | 167 |
| Efficiency ratio | 51.4201% | 4,849 |
| Assets per employee ($millions) | 8.1952% | 619 |
| Cash dividends to net income (ytd only)* | 45.6444% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,082 |
| Loan loss allowance to noncurrent loans | 292.3848% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,663 |
| Noncurrent loans to loans | 0.4420% | 2,955 |
| Net loans and leases to total assets | 52.2950% | 4,393 |
| Net loans and leases to deposits | 60.4473% | 4,455 |
| Net loans and leases to core deposits | 64.5402% | 4,429 |
| Total domestic deposits to total assets | 86.5133% | 2,010 |
| Equity capital to assets | 9.6670% | 3,985 |
| Core capital (leverage) ratio | 10.1098% | 3,449 |
| Tier 1 risk-based capital ratio | 15.7439% | 2,515 |
| Total risk-based capital ratio | 16.8608% | 2,492 |
| Memoranda: | ||
| Average total assets | $201,873,400 | 2,848 |
| Average earning assets | $192,207,400 | 2,796 |
| Average equity | $19,604,800 | 3,123 |
| Average total loans | $100,896,000 | 3,275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,814 |
| Cost of funding earning assets | 0.3366% | 4,265 |
| Net interest margin | 3.7046% | 3,004 |
| Noninterest income to average assets | 0.4112% | 3,415 |
| Noninterest expense to average assets | 2.0977% | 4,560 |
| Loan and lease loss provision to assets | 0.0167% | 3,680 |
| Net operating income to assets | 1.8278% | 574 |
| Return on assets (ROA) | 1.8278% | 576 |
| Pretax return on assets | 1.8278% | 949 |
| Return on Equity (ROE) | 18.7977% | 359 |
| Retained earnings to average equity (ytd only) | 13.5489% | 297 |
| Net charge-offs to loans | -0.0027% | 4,126 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2110% | 4,687 |
| Assets per employee ($millions) | 8.0835% | 629 |
| Cash dividends to net income (ytd only)* | 27.9222% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,761 |
| Loan loss allowance to noncurrent loans | 353.4940% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,401 |
| Noncurrent loans to loans | 0.3917% | 3,249 |
| Net loans and leases to total assets | 49.7143% | 4,617 |
| Net loans and leases to deposits | 57.1803% | 4,691 |
| Net loans and leases to core deposits | 61.2241% | 4,649 |
| Total domestic deposits to total assets | 86.9430% | 1,758 |
| Equity capital to assets | 9.5541% | 4,029 |
| Core capital (leverage) ratio | 10.3311% | 3,250 |
| Tier 1 risk-based capital ratio | 15.4446% | 2,674 |
| Total risk-based capital ratio | 16.5555% | 2,664 |
| Memoranda: | ||
| Average total assets | $199,072,750 | 2,899 |
| Average earning assets | $189,743,250 | 2,846 |
| Average equity | $19,356,500 | 3,169 |
| Average total loans | $97,898,250 | 3,365 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,878 |
| Cost of funding earning assets | 0.3278% | 4,218 |
| Net interest margin | 3.6398% | 3,159 |
| Noninterest income to average assets | 0.4320% | 3,280 |
| Noninterest expense to average assets | 2.0924% | 4,627 |
| Loan and lease loss provision to assets | 0.0154% | 3,573 |
| Net operating income to assets | 1.7914% | 587 |
| Return on assets (ROA) | 1.7914% | 592 |
| Pretax return on assets | 1.7914% | 981 |
| Return on Equity (ROE) | 18.3099% | 390 |
| Retained earnings to average equity (ytd only) | 12.5868% | 437 |
| Net charge-offs to loans | -0.0021% | 3,953 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6624% | 4,726 |
| Assets per employee ($millions) | 7.4917% | 766 |
| Cash dividends to net income (ytd only)* | 31.2571% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,515 |
| Loan loss allowance to noncurrent loans | 877.1084% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,945 |
| Noncurrent loans to loans | 0.1667% | 4,158 |
| Net loans and leases to total assets | 48.4964% | 4,693 |
| Net loans and leases to deposits | 55.8534% | 4,761 |
| Net loans and leases to core deposits | 60.5066% | 4,680 |
| Total domestic deposits to total assets | 86.8280% | 1,919 |
| Equity capital to assets | 9.6343% | 3,977 |
| Core capital (leverage) ratio | 10.3298% | 3,209 |
| Tier 1 risk-based capital ratio | 15.7366% | 2,541 |
| Total risk-based capital ratio | 16.9027% | 2,515 |
| Memoranda: | ||
| Average total assets | $195,373,330 | 2,949 |
| Average earning assets | $186,106,670 | 2,905 |
| Average equity | $19,115,330 | 3,211 |
| Average total loans | $95,213,670 | 3,425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 4,020 |
| Cost of funding earning assets | 0.3191% | 4,203 |
| Net interest margin | 3.5499% | 3,345 |
| Noninterest income to average assets | 0.5231% | 2,666 |
| Noninterest expense to average assets | 2.1113% | 4,635 |
| Loan and lease loss provision to assets | -0.0104% | 5,411 |
| Net operating income to assets | 1.8070% | 559 |
| Return on assets (ROA) | 1.8070% | 563 |
| Pretax return on assets | 1.8070% | 900 |
| Return on Equity (ROE) | 18.3211% | 378 |
| Retained earnings to average equity (ytd only) | 13.8201% | 418 |
| Net charge-offs to loans | -0.0129% | 4,360 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0267% | 4,793 |
| Assets per employee ($millions) | 7.8324% | 666 |
| Cash dividends to net income (ytd only)* | 24.5675% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,391 |
| Loan loss allowance to noncurrent loans | 244.9744% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,650 |
| Noncurrent loans to loans | 0.6207% | 2,679 |
| Net loans and leases to total assets | 47.5617% | 4,716 |
| Net loans and leases to deposits | 54.0548% | 4,792 |
| Net loans and leases to core deposits | 58.1735% | 4,742 |
| Total domestic deposits to total assets | 87.9878% | 1,627 |
| Equity capital to assets | 9.6952% | 3,887 |
| Core capital (leverage) ratio | 10.5044% | 2,933 |
| Tier 1 risk-based capital ratio | 16.2208% | 2,382 |
| Total risk-based capital ratio | 17.4367% | 2,349 |
| Memoranda: | ||
| Average total assets | $191,921,500 | 3,016 |
| Average earning assets | $182,989,000 | 2,966 |
| Average equity | $18,929,000 | 3,252 |
| Average total loans | $93,044,000 | 3,484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,666 |
| Cost of funding earning assets | 0.3264% | 3,907 |
| Net interest margin | 3.5907% | 3,202 |
| Noninterest income to average assets | 0.4204% | 3,502 |
| Noninterest expense to average assets | 2.2346% | 4,464 |
| Loan and lease loss provision to assets | -0.0176% | 5,328 |
| Net operating income to assets | 1.6265% | 620 |
| Return on assets (ROA) | 1.6265% | 637 |
| Pretax return on assets | 1.6265% | 1,222 |
| Return on Equity (ROE) | 15.6052% | 528 |
| Retained earnings to average equity (ytd only) | 8.6459% | 575 |
| Net charge-offs to loans | 0.0380% | 3,033 |
| Credit loss provision to net charge-offs | -88.5714% | 4,699 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 769 |
| Efficiency ratio | 58.1409% | 4,509 |
| Assets per employee ($millions) | 7.5214% | 758 |
| Cash dividends to net income (ytd only)* | 44.5960% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,204 |
| Loan loss allowance to noncurrent loans | 286.2823% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,816 |
| Noncurrent loans to loans | 0.5496% | 2,849 |
| Net loans and leases to total assets | 47.9062% | 4,771 |
| Net loans and leases to deposits | 54.4698% | 4,873 |
| Net loans and leases to core deposits | 58.7618% | 4,817 |
| Total domestic deposits to total assets | 87.9501% | 1,532 |
| Equity capital to assets | 10.0375% | 3,666 |
| Core capital (leverage) ratio | 10.2400% | 3,138 |
| Tier 1 risk-based capital ratio | 16.1056% | 2,393 |
| Total risk-based capital ratio | 17.3457% | 2,338 |
| Memoranda: | ||
| Average total assets | $175,777,800 | 3,169 |
| Average earning assets | $167,572,000 | 3,107 |
| Average equity | $18,320,800 | 3,323 |
| Average total loans | $92,140,200 | 3,488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,562 |
| Cost of funding earning assets | 0.3265% | 3,876 |
| Net interest margin | 3.6127% | 3,101 |
| Noninterest income to average assets | 0.4346% | 3,440 |
| Noninterest expense to average assets | 2.2410% | 4,444 |
| Loan and lease loss provision to assets | -0.0162% | 5,473 |
| Net operating income to assets | 1.6520% | 638 |
| Return on assets (ROA) | 1.6520% | 656 |
| Pretax return on assets | 1.6520% | 1,237 |
| Return on Equity (ROE) | 15.6923% | 559 |
| Retained earnings to average equity (ytd only) | 10.5080% | 490 |
| Net charge-offs to loans | 0.0491% | 2,449 |
| Credit loss provision to net charge-offs | -61.7647% | 4,462 |
| Earnings coverage of net charge-offs (x) | 62.3265% | 969 |
| Efficiency ratio | 57.8057% | 4,532 |
| Assets per employee ($millions) | 7.2516% | 848 |
| Cash dividends to net income (ytd only)* | 33.0373% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 1,095 |
| Loan loss allowance to noncurrent loans | 190.6702% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 3,345 |
| Noncurrent loans to loans | 0.8748% | 2,188 |
| Net loans and leases to total assets | 47.1843% | 4,872 |
| Net loans and leases to deposits | 54.0831% | 4,963 |
| Net loans and leases to core deposits | 58.2107% | 4,908 |
| Total domestic deposits to total assets | 87.2441% | 1,756 |
| Equity capital to assets | 10.4871% | 3,391 |
| Core capital (leverage) ratio | 10.4908% | 3,000 |
| Tier 1 risk-based capital ratio | 16.8271% | 2,211 |
| Total risk-based capital ratio | 18.0776% | 2,166 |
| Memoranda: | ||
| Average total assets | $172,713,750 | 3,235 |
| Average earning assets | $164,563,250 | 3,177 |
| Average equity | $18,182,500 | 3,368 |
| Average total loans | $92,295,250 | 3,517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 3,541 |
| Cost of funding earning assets | 0.3277% | 3,822 |
| Net interest margin | 3.5734% | 3,135 |
| Noninterest income to average assets | 0.4427% | 3,399 |
| Noninterest expense to average assets | 2.2242% | 4,520 |
| Loan and lease loss provision to assets | 0.0165% | 3,626 |
| Net operating income to assets | 1.6049% | 701 |
| Return on assets (ROA) | 1.6049% | 722 |
| Pretax return on assets | 1.6049% | 1,329 |
| Return on Equity (ROE) | 15.2239% | 630 |
| Retained earnings to average equity (ytd only) | 9.6951% | 646 |
| Net charge-offs to loans | 0.0468% | 2,281 |
| Credit loss provision to net charge-offs | 63.6364% | 2,435 |
| Earnings coverage of net charge-offs (x) | 62.5909% | 925 |
| Efficiency ratio | 57.8383% | 4,616 |
| Assets per employee ($millions) | 7.1638% | 862 |
| Cash dividends to net income (ytd only)* | 36.3169% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,176 |
| Loan loss allowance to noncurrent loans | 261.8881% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 3,846 |
| Noncurrent loans to loans | 0.6263% | 2,855 |
| Net loans and leases to total assets | 50.1586% | 4,701 |
| Net loans and leases to deposits | 57.0757% | 4,798 |
| Net loans and leases to core deposits | 61.4702% | 4,743 |
| Total domestic deposits to total assets | 87.8808% | 1,518 |
| Equity capital to assets | 10.3230% | 3,547 |
| Core capital (leverage) ratio | 10.7945% | 2,604 |
| Tier 1 risk-based capital ratio | 14.3753% | 3,230 |
| Total risk-based capital ratio | 15.5338% | 3,195 |
| Memoranda: | ||
| Average total assets | $169,855,330 | 3,281 |
| Average earning assets | $161,751,000 | 3,216 |
| Average equity | $17,906,000 | 3,406 |
| Average total loans | $94,063,330 | 3,497 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,141 |
| Cost of funding earning assets | 0.3363% | 3,683 |
| Net interest margin | 3.6354% | 2,755 |
| Noninterest income to average assets | 0.4793% | 3,123 |
| Noninterest expense to average assets | 2.3046% | 4,397 |
| Loan and lease loss provision to assets | 0.0339% | 3,108 |
| Net operating income to assets | 1.5953% | 682 |
| Return on assets (ROA) | 1.5953% | 699 |
| Pretax return on assets | 1.5953% | 1,250 |
| Return on Equity (ROE) | 14.9645% | 652 |
| Retained earnings to average equity (ytd only) | 10.4911% | 707 |
| Net charge-offs to loans | 0.0168% | 2,456 |
| Credit loss provision to net charge-offs | 350.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 168.2500% | 324 |
| Efficiency ratio | 58.5846% | 4,650 |
| Assets per employee ($millions) | 6.7218% | 1,071 |
| Cash dividends to net income (ytd only)* | 29.8938% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,370 |
| Loan loss allowance to noncurrent loans | 271.6846% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,870 |
| Noncurrent loans to loans | 0.5903% | 3,042 |
| Net loans and leases to total assets | 55.3485% | 4,220 |
| Net loans and leases to deposits | 62.8440% | 4,378 |
| Net loans and leases to core deposits | 67.6532% | 4,317 |
| Total domestic deposits to total assets | 88.0729% | 1,679 |
| Equity capital to assets | 10.6340% | 3,034 |
| Core capital (leverage) ratio | 10.9370% | 2,428 |
| Tier 1 risk-based capital ratio | 16.2644% | 2,452 |
| Total risk-based capital ratio | 17.5158% | 2,394 |
| Memoranda: | ||
| Average total assets | $165,235,000 | 3,365 |
| Average earning assets | $157,011,500 | 3,312 |
| Average equity | $17,615,000 | 3,466 |
| Average total loans | $95,430,000 | 3,487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,756 |
| Cost of funding earning assets | 0.2889% | 4,183 |
| Net interest margin | 3.8355% | 2,186 |
| Noninterest income to average assets | 0.4627% | 3,463 |
| Noninterest expense to average assets | 2.4084% | 4,286 |
| Loan and lease loss provision to assets | 0.0932% | 2,494 |
| Net operating income to assets | 1.5877% | 700 |
| Return on assets (ROA) | 1.5934% | 715 |
| Pretax return on assets | 1.5934% | 1,307 |
| Return on Equity (ROE) | 15.0719% | 618 |
| Retained earnings to average equity (ytd only) | 8.0815% | 832 |
| Net charge-offs to loans | 0.0257% | 3,524 |
| Credit loss provision to net charge-offs | 588.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 106.0800% | 572 |
| Efficiency ratio | 58.8965% | 4,735 |
| Assets per employee ($millions) | 6.4970% | 1,158 |
| Cash dividends to net income (ytd only)* | 46.3803% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,455 |
| Loan loss allowance to noncurrent loans | 267.0213% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 3,896 |
| Noncurrent loans to loans | 0.5855% | 3,091 |
| Net loans and leases to total assets | 58.3824% | 4,031 |
| Net loans and leases to deposits | 66.6482% | 4,195 |
| Net loans and leases to core deposits | 70.8177% | 4,170 |
| Total domestic deposits to total assets | 87.5979% | 1,831 |
| Equity capital to assets | 10.6881% | 2,940 |
| Core capital (leverage) ratio | 11.0021% | 2,336 |
| Tier 1 risk-based capital ratio | 16.3115% | 2,424 |
| Total risk-based capital ratio | 17.5633% | 2,359 |
| Memoranda: | ||
| Average total assets | $157,778,400 | 3,421 |
| Average earning assets | $149,187,000 | 3,378 |
| Average equity | $16,680,000 | 3,593 |
| Average total loans | $97,129,200 | 3,439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,649 |
| Cost of funding earning assets | 0.2858% | 4,244 |
| Net interest margin | 3.8728% | 2,075 |
| Noninterest income to average assets | 0.4699% | 3,428 |
| Noninterest expense to average assets | 2.4322% | 4,188 |
| Loan and lease loss provision to assets | 0.0911% | 2,408 |
| Net operating income to assets | 1.6039% | 723 |
| Return on assets (ROA) | 1.6115% | 754 |
| Pretax return on assets | 1.6115% | 1,352 |
| Return on Equity (ROE) | 15.2873% | 636 |
| Retained earnings to average equity (ytd only) | 10.4904% | 489 |
| Net charge-offs to loans | 0.0233% | 3,215 |
| Credit loss provision to net charge-offs | 629.4118% | 597 |
| Earnings coverage of net charge-offs (x) | 117.0975% | 584 |
| Efficiency ratio | 58.9315% | 4,695 |
| Assets per employee ($millions) | 6.4208% | 1,157 |
| Cash dividends to net income (ytd only)* | 31.3787% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,794 |
| Loan loss allowance to noncurrent loans | 210.8727% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 3,683 |
| Noncurrent loans to loans | 0.7068% | 2,917 |
| Net loans and leases to total assets | 60.6944% | 3,784 |
| Net loans and leases to deposits | 69.3157% | 4,040 |
| Net loans and leases to core deposits | 73.5457% | 4,035 |
| Total domestic deposits to total assets | 87.5622% | 1,632 |
| Equity capital to assets | 10.7246% | 3,336 |
| Core capital (leverage) ratio | 10.8506% | 2,625 |
| Tier 1 risk-based capital ratio | 16.2464% | 2,530 |
| Total risk-based capital ratio | 17.4983% | 2,482 |
| Memoranda: | ||
| Average total assets | $156,617,000 | 3,445 |
| Average earning assets | $147,900,000 | 3,412 |
| Average equity | $16,510,000 | 3,656 |
| Average total loans | $97,328,250 | 3,445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 2,807 |
| Cost of funding earning assets | 0.2816% | 4,328 |
| Net interest margin | 3.8324% | 2,204 |
| Noninterest income to average assets | 0.4610% | 3,455 |
| Noninterest expense to average assets | 2.4646% | 4,136 |
| Loan and lease loss provision to assets | 0.0901% | 2,345 |
| Net operating income to assets | 1.5517% | 804 |
| Return on assets (ROA) | 1.5633% | 828 |
| Pretax return on assets | 1.5633% | 1,483 |
| Return on Equity (ROE) | 14.9186% | 680 |
| Retained earnings to average equity (ytd only) | 10.0768% | 579 |
| Net charge-offs to loans | 0.0434% | 2,599 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 60.7143% | 869 |
| Efficiency ratio | 60.0188% | 4,639 |
| Assets per employee ($millions) | 6.3142% | 1,187 |
| Cash dividends to net income (ytd only)* | 32.4547% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,993 |
| Loan loss allowance to noncurrent loans | 184.4273% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,562 |
| Noncurrent loans to loans | 0.7956% | 2,755 |
| Net loans and leases to total assets | 60.9572% | 3,757 |
| Net loans and leases to deposits | 69.6317% | 4,016 |
| Net loans and leases to core deposits | 74.5940% | 3,936 |
| Total domestic deposits to total assets | 87.5424% | 1,652 |
| Equity capital to assets | 10.6338% | 3,489 |
| Core capital (leverage) ratio | 10.6642% | 2,777 |
| Tier 1 risk-based capital ratio | 15.4620% | 2,874 |
| Total risk-based capital ratio | 16.7127% | 2,810 |
| Memoranda: | ||
| Average total assets | $155,316,330 | 3,478 |
| Average earning assets | $147,739,330 | 3,438 |
| Average equity | $16,275,000 | 3,697 |
| Average total loans | $96,804,330 | 3,469 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,071 |
| Cost of funding earning assets | 0.2755% | 4,438 |
| Net interest margin | 3.7643% | 2,424 |
| Noninterest income to average assets | 0.4207% | 3,680 |
| Noninterest expense to average assets | 2.4668% | 4,176 |
| Loan and lease loss provision to assets | 0.0649% | 2,661 |
| Net operating income to assets | 1.4723% | 900 |
| Return on assets (ROA) | 1.4956% | 903 |
| Pretax return on assets | 1.4956% | 1,611 |
| Return on Equity (ROE) | 14.3825% | 767 |
| Retained earnings to average equity (ytd only) | 9.4635% | 984 |
| Net charge-offs to loans | 0.0664% | 1,826 |
| Credit loss provision to net charge-offs | 156.2500% | 1,243 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,062 |
| Efficiency ratio | 61.6083% | 4,508 |
| Assets per employee ($millions) | 6.0587% | 1,369 |
| Cash dividends to net income (ytd only)* | 34.2014% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 2,226 |
| Loan loss allowance to noncurrent loans | 184.9934% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,685 |
| Noncurrent loans to loans | 0.7810% | 2,888 |
| Net loans and leases to total assets | 60.3192% | 3,728 |
| Net loans and leases to deposits | 70.0864% | 3,848 |
| Net loans and leases to core deposits | 74.2684% | 3,864 |
| Total domestic deposits to total assets | 86.0640% | 2,646 |
| Equity capital to assets | 10.3055% | 3,736 |
| Core capital (leverage) ratio | 10.7144% | 2,709 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,985 |
| Total risk-based capital ratio | 16.6210% | 2,923 |
| Memoranda: | ||
| Average total assets | $154,047,000 | 3,518 |
| Average earning assets | $146,639,500 | 3,464 |
| Average equity | $16,019,500 | 3,733 |
| Average total loans | $96,378,000 | 3,486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 2,211 |
| Cost of funding earning assets | 0.2539% | 4,738 |
| Net interest margin | 4.0522% | 1,552 |
| Noninterest income to average assets | 0.4584% | 3,602 |
| Noninterest expense to average assets | 2.4812% | 4,286 |
| Loan and lease loss provision to assets | 0.0645% | 3,005 |
| Net operating income to assets | 1.7578% | 521 |
| Return on assets (ROA) | 1.7592% | 536 |
| Pretax return on assets | 1.7592% | 878 |
| Return on Equity (ROE) | 16.2084% | 535 |
| Retained earnings to average equity (ytd only) | 8.3294% | 817 |
| Net charge-offs to loans | 0.1056% | 2,335 |
| Credit loss provision to net charge-offs | 93.8144% | 2,686 |
| Earnings coverage of net charge-offs (x) | 26.5155% | 1,581 |
| Efficiency ratio | 57.6556% | 5,180 |
| Assets per employee ($millions) | 6.0227% | 1,368 |
| Cash dividends to net income (ytd only)* | 48.6106% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 2,265 |
| Loan loss allowance to noncurrent loans | 216.5884% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 3,908 |
| Noncurrent loans to loans | 0.6632% | 3,202 |
| Net loans and leases to total assets | 63.0683% | 3,398 |
| Net loans and leases to deposits | 72.9160% | 3,626 |
| Net loans and leases to core deposits | 78.0465% | 3,543 |
| Total domestic deposits to total assets | 86.4944% | 2,383 |
| Equity capital to assets | 10.4970% | 3,368 |
| Core capital (leverage) ratio | 10.7206% | 2,689 |
| Tier 1 risk-based capital ratio | 15.7228% | 2,818 |
| Total risk-based capital ratio | 16.9734% | 2,757 |
| Memoranda: | ||
| Average total assets | $141,140,400 | 3,705 |
| Average earning assets | $133,928,800 | 3,628 |
| Average equity | $15,319,200 | 3,781 |
| Average total loans | $91,817,200 | 3,551 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,132 |
| Cost of funding earning assets | 0.2520% | 4,863 |
| Net interest margin | 4.0802% | 1,460 |
| Noninterest income to average assets | 0.4602% | 3,635 |
| Noninterest expense to average assets | 2.5142% | 4,153 |
| Loan and lease loss provision to assets | 0.0778% | 2,625 |
| Net operating income to assets | 1.7408% | 579 |
| Return on assets (ROA) | 1.7408% | 602 |
| Pretax return on assets | 1.7408% | 1,010 |
| Return on Equity (ROE) | 15.8967% | 604 |
| Retained earnings to average equity (ytd only) | 9.5801% | 720 |
| Net charge-offs to loans | 0.1308% | 1,829 |
| Credit loss provision to net charge-offs | 91.0112% | 2,458 |
| Earnings coverage of net charge-offs (x) | 21.2704% | 1,831 |
| Efficiency ratio | 58.0266% | 5,116 |
| Assets per employee ($millions) | 5.8188% | 1,495 |
| Cash dividends to net income (ytd only)* | 39.7353% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 2,193 |
| Loan loss allowance to noncurrent loans | 220.4147% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 4,057 |
| Noncurrent loans to loans | 0.6771% | 3,293 |
| Net loans and leases to total assets | 62.7080% | 3,499 |
| Net loans and leases to deposits | 71.9740% | 3,772 |
| Net loans and leases to core deposits | 74.5156% | 3,963 |
| Total domestic deposits to total assets | 87.1260% | 1,969 |
| Equity capital to assets | 10.8675% | 3,173 |
| Core capital (leverage) ratio | 11.0120% | 2,477 |
| Tier 1 risk-based capital ratio | 16.1746% | 2,723 |
| Total risk-based capital ratio | 17.4265% | 2,678 |
| Memoranda: | ||
| Average total assets | $138,783,750 | 3,773 |
| Average earning assets | $131,723,750 | 3,701 |
| Average equity | $15,197,750 | 3,840 |
| Average total loans | $90,685,500 | 3,607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,071 |
| Cost of funding earning assets | 0.2512% | 4,926 |
| Net interest margin | 4.0831% | 1,399 |
| Noninterest income to average assets | 0.4262% | 3,880 |
| Noninterest expense to average assets | 2.5089% | 4,217 |
| Loan and lease loss provision to assets | 0.1186% | 1,866 |
| Net operating income to assets | 1.6784% | 648 |
| Return on assets (ROA) | 1.6784% | 676 |
| Pretax return on assets | 1.6784% | 1,126 |
| Return on Equity (ROE) | 15.2861% | 699 |
| Retained earnings to average equity (ytd only) | 8.2967% | 1,147 |
| Net charge-offs to loans | 0.1932% | 1,298 |
| Credit loss provision to net charge-offs | 93.1034% | 2,162 |
| Earnings coverage of net charge-offs (x) | 14.1034% | 2,083 |
| Efficiency ratio | 58.2653% | 5,189 |
| Assets per employee ($millions) | 5.4057% | 1,833 |
| Cash dividends to net income (ytd only)* | 45.7243% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 2,325 |
| Loan loss allowance to noncurrent loans | 216.9279% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 4,115 |
| Noncurrent loans to loans | 0.6886% | 3,422 |
| Net loans and leases to total assets | 64.9346% | 3,134 |
| Net loans and leases to deposits | 74.0721% | 3,481 |
| Net loans and leases to core deposits | 76.5518% | 3,714 |
| Total domestic deposits to total assets | 87.6641% | 1,806 |
| Equity capital to assets | 10.8496% | 3,054 |
| Core capital (leverage) ratio | 11.0251% | 2,396 |
| Tier 1 risk-based capital ratio | 15.5720% | 3,061 |
| Total risk-based capital ratio | 16.8244% | 3,006 |
| Memoranda: | ||
| Average total assets | $136,554,670 | 3,842 |
| Average earning assets | $129,753,670 | 3,763 |
| Average equity | $14,994,000 | 3,889 |
| Average total loans | $90,046,000 | 3,640 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,256 |
| Cost of funding earning assets | 0.2470% | 5,053 |
| Net interest margin | 4.0080% | 1,526 |
| Noninterest income to average assets | 0.3775% | 4,181 |
| Noninterest expense to average assets | 2.4971% | 4,269 |
| Loan and lease loss provision to assets | 0.0922% | 2,153 |
| Net operating income to assets | 1.5993% | 706 |
| Return on assets (ROA) | 1.5993% | 742 |
| Pretax return on assets | 1.5993% | 1,269 |
| Return on Equity (ROE) | 14.4755% | 793 |
| Retained earnings to average equity (ytd only) | 9.2019% | 1,129 |
| Net charge-offs to loans | 0.0406% | 2,416 |
| Credit loss provision to net charge-offs | 344.4444% | 735 |
| Earnings coverage of net charge-offs (x) | 63.2222% | 703 |
| Efficiency ratio | 59.6167% | 5,142 |
| Assets per employee ($millions) | 5.4947% | 1,796 |
| Cash dividends to net income (ytd only)* | 36.4312% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 2,169 |
| Loan loss allowance to noncurrent loans | 198.8732% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,917 |
| Noncurrent loans to loans | 0.7878% | 3,285 |
| Net loans and leases to total assets | 64.5817% | 3,011 |
| Net loans and leases to deposits | 73.2248% | 3,399 |
| Net loans and leases to core deposits | 75.9518% | 3,603 |
| Total domestic deposits to total assets | 88.1966% | 1,711 |
| Equity capital to assets | 10.9786% | 2,991 |
| Core capital (leverage) ratio | 11.2027% | 2,229 |
| Tier 1 risk-based capital ratio | 14.0020% | 4,017 |
| Total risk-based capital ratio | 15.2526% | 3,935 |
| Memoranda: | ||
| Average total assets | $134,557,500 | 3,914 |
| Average earning assets | $127,945,500 | 3,831 |
| Average equity | $14,866,500 | 3,935 |
| Average total loans | $88,744,500 | 3,676 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,037 |
| Cost of funding earning assets | 0.2646% | 5,168 |
| Net interest margin | 4.1947% | 1,315 |
| Noninterest income to average assets | 0.4160% | 4,071 |
| Noninterest expense to average assets | 2.6623% | 3,998 |
| Loan and lease loss provision to assets | 0.0475% | 3,621 |
| Net operating income to assets | 1.6758% | 603 |
| Return on assets (ROA) | 1.6877% | 613 |
| Pretax return on assets | 1.6877% | 1,010 |
| Return on Equity (ROE) | 15.1386% | 759 |
| Retained earnings to average equity (ytd only) | 6.6098% | 1,589 |
| Net charge-offs to loans | -0.0012% | 5,353 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7046% | 5,114 |
| Assets per employee ($millions) | 5.2699% | 1,995 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 2,123 |
| Loan loss allowance to noncurrent loans | 192.7878% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 3,828 |
| Noncurrent loans to loans | 0.8253% | 3,249 |
| Net loans and leases to total assets | 65.2556% | 3,007 |
| Net loans and leases to deposits | 74.6067% | 3,362 |
| Net loans and leases to core deposits | 77.3918% | 3,576 |
| Total domestic deposits to total assets | 87.4662% | 2,052 |
| Equity capital to assets | 11.1212% | 2,783 |
| Core capital (leverage) ratio | 11.1427% | 2,268 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,507 |
| Total risk-based capital ratio | 16.2103% | 3,447 |
| Memoranda: | ||
| Average total assets | $126,205,000 | 4,055 |
| Average earning assets | $119,437,800 | 3,984 |
| Average equity | $14,070,000 | 4,010 |
| Average total loans | $81,232,600 | 3,843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 2,026 |
| Cost of funding earning assets | 0.2668% | 5,239 |
| Net interest margin | 4.1908% | 1,312 |
| Noninterest income to average assets | 0.4486% | 3,903 |
| Noninterest expense to average assets | 2.6886% | 3,862 |
| Loan and lease loss provision to assets | 0.0320% | 3,769 |
| Net operating income to assets | 1.6877% | 629 |
| Return on assets (ROA) | 1.7091% | 628 |
| Pretax return on assets | 1.7091% | 1,047 |
| Return on Equity (ROE) | 15.3203% | 771 |
| Retained earnings to average equity (ytd only) | 7.4112% | 1,613 |
| Net charge-offs to loans | -0.0217% | 5,638 |
| Credit loss provision to net charge-offs | -230.7692% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9886% | 5,041 |
| Assets per employee ($millions) | 5.1580% | 2,070 |
| Cash dividends to net income (ytd only)* | 51.6252% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,279 |
| Loan loss allowance to noncurrent loans | 149.9454% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 3,559 |
| Noncurrent loans to loans | 1.0720% | 2,932 |
| Net loans and leases to total assets | 65.1257% | 3,006 |
| Net loans and leases to deposits | 74.4845% | 3,376 |
| Net loans and leases to core deposits | 77.9120% | 3,548 |
| Total domestic deposits to total assets | 87.4353% | 2,072 |
| Equity capital to assets | 11.2207% | 2,736 |
| Core capital (leverage) ratio | 11.6602% | 1,930 |
| Tier 1 risk-based capital ratio | 15.3922% | 3,376 |
| Total risk-based capital ratio | 16.6443% | 3,313 |
| Memoranda: | ||
| Average total assets | $124,819,250 | 4,124 |
| Average earning assets | $117,939,250 | 4,038 |
| Average equity | $13,924,500 | 4,055 |
| Average total loans | $79,700,000 | 3,915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,233 |
| Cost of funding earning assets | 0.2690% | 5,294 |
| Net interest margin | 4.1158% | 1,461 |
| Noninterest income to average assets | 0.4115% | 4,159 |
| Noninterest expense to average assets | 2.6798% | 3,944 |
| Loan and lease loss provision to assets | 0.0486% | 3,333 |
| Net operating income to assets | 1.5748% | 745 |
| Return on assets (ROA) | 1.6072% | 726 |
| Pretax return on assets | 1.6072% | 1,237 |
| Return on Equity (ROE) | 14.4364% | 884 |
| Retained earnings to average equity (ytd only) | 5.2827% | 2,778 |
| Net charge-offs to loans | -0.0360% | 5,750 |
| Credit loss provision to net charge-offs | -214.2857% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2741% | 4,970 |
| Assets per employee ($millions) | 4.9157% | 2,321 |
| Cash dividends to net income (ytd only)* | 63.4073% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 2,260 |
| Loan loss allowance to noncurrent loans | 196.4235% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 4,029 |
| Noncurrent loans to loans | 0.8446% | 3,595 |
| Net loans and leases to total assets | 66.2267% | 2,720 |
| Net loans and leases to deposits | 75.7704% | 3,085 |
| Net loans and leases to core deposits | 79.6758% | 3,249 |
| Total domestic deposits to total assets | 87.4045% | 2,245 |
| Equity capital to assets | 11.4587% | 2,459 |
| Core capital (leverage) ratio | 11.5041% | 1,996 |
| Tier 1 risk-based capital ratio | 15.4709% | 3,366 |
| Total risk-based capital ratio | 16.7236% | 3,308 |
| Memoranda: | ||
| Average total assets | $123,442,670 | 4,172 |
| Average earning assets | $116,722,000 | 4,093 |
| Average equity | $13,743,000 | 4,095 |
| Average total loans | $77,816,330 | 3,978 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,758 |
| Cost of funding earning assets | 0.2665% | 5,426 |
| Net interest margin | 3.9661% | 1,868 |
| Noninterest income to average assets | 0.3977% | 4,205 |
| Noninterest expense to average assets | 2.6932% | 3,948 |
| Loan and lease loss provision to assets | 0.0647% | 2,831 |
| Net operating income to assets | 1.3935% | 995 |
| Return on assets (ROA) | 1.4323% | 970 |
| Pretax return on assets | 1.4323% | 1,635 |
| Return on Equity (ROE) | 13.0548% | 1,146 |
| Retained earnings to average equity (ytd only) | 7.4557% | 1,839 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8754% | 4,714 |
| Assets per employee ($millions) | 4.9940% | 2,257 |
| Cash dividends to net income (ytd only)* | 42.8894% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 2,147 |
| Loan loss allowance to noncurrent loans | 154.8794% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 3,742 |
| Noncurrent loans to loans | 1.1379% | 3,141 |
| Net loans and leases to total assets | 60.2262% | 3,529 |
| Net loans and leases to deposits | 68.6801% | 3,775 |
| Net loans and leases to core deposits | 72.4207% | 3,827 |
| Total domestic deposits to total assets | 87.6909% | 2,411 |
| Equity capital to assets | 11.0844% | 2,641 |
| Core capital (leverage) ratio | 11.3706% | 2,078 |
| Tier 1 risk-based capital ratio | 16.0480% | 3,150 |
| Total risk-based capital ratio | 17.3018% | 3,099 |
| Memoranda: | ||
| Average total assets | $123,717,500 | 4,199 |
| Average earning assets | $117,092,000 | 4,111 |
| Average equity | $13,573,500 | 4,133 |
| Average total loans | $75,344,000 | 4,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,662 |
| Cost of funding earning assets | 0.3126% | 5,495 |
| Net interest margin | 4.0662% | 1,742 |
| Noninterest income to average assets | 0.4554% | 4,053 |
| Noninterest expense to average assets | 2.9517% | 3,193 |
| Loan and lease loss provision to assets | 0.0792% | 3,521 |
| Net operating income to assets | 1.2436% | 1,413 |
| Return on assets (ROA) | 1.2436% | 1,470 |
| Pretax return on assets | 1.2436% | 2,400 |
| Return on Equity (ROE) | 11.2678% | 1,681 |
| Retained earnings to average equity (ytd only) | 6.8771% | 1,488 |
| Net charge-offs to loans | 0.5327% | 1,247 |
| Credit loss provision to net charge-offs | 25.0660% | 4,346 |
| Earnings coverage of net charge-offs (x) | 4.1847% | 3,646 |
| Efficiency ratio | 69.0537% | 4,004 |
| Assets per employee ($millions) | 5.5720% | 1,589 |
| Cash dividends to net income (ytd only)* | 38.9671% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,085 |
| Loan loss allowance to noncurrent loans | 145.2459% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 3,765 |
| Noncurrent loans to loans | 1.2341% | 3,073 |
| Net loans and leases to total assets | 59.4017% | 3,810 |
| Net loans and leases to deposits | 68.2881% | 4,010 |
| Net loans and leases to core deposits | 71.9528% | 4,079 |
| Total domestic deposits to total assets | 86.9869% | 2,731 |
| Equity capital to assets | 10.8562% | 2,753 |
| Core capital (leverage) ratio | 11.0594% | 2,333 |
| Tier 1 risk-based capital ratio | 16.6033% | 2,795 |
| Total risk-based capital ratio | 17.8580% | 2,761 |
| Memoranda: | ||
| Average total assets | $119,896,200 | 4,280 |
| Average earning assets | $112,610,200 | 4,210 |
| Average equity | $13,232,400 | 4,220 |
| Average total loans | $71,143,600 | 4,220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,807 |
| Cost of funding earning assets | 0.3166% | 5,585 |
| Net interest margin | 4.0295% | 1,845 |
| Noninterest income to average assets | 0.4686% | 4,006 |
| Noninterest expense to average assets | 2.7164% | 3,959 |
| Loan and lease loss provision to assets | 0.0615% | 3,812 |
| Net operating income to assets | 1.4773% | 934 |
| Return on assets (ROA) | 1.4773% | 982 |
| Pretax return on assets | 1.4773% | 1,679 |
| Return on Equity (ROE) | 13.3295% | 1,159 |
| Retained earnings to average equity (ytd only) | 8.2843% | 1,303 |
| Net charge-offs to loans | 0.5076% | 1,267 |
| Credit loss provision to net charge-offs | 20.5224% | 4,070 |
| Earnings coverage of net charge-offs (x) | 5.1344% | 3,273 |
| Efficiency ratio | 63.8371% | 4,824 |
| Assets per employee ($millions) | 5.0894% | 2,060 |
| Cash dividends to net income (ytd only)* | 37.8501% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 1,888 |
| Loan loss allowance to noncurrent loans | 147.6793% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 3,624 |
| Noncurrent loans to loans | 1.3136% | 3,218 |
| Net loans and leases to total assets | 57.9393% | 4,019 |
| Net loans and leases to deposits | 66.6799% | 4,221 |
| Net loans and leases to core deposits | 70.7163% | 4,240 |
| Total domestic deposits to total assets | 86.8918% | 2,751 |
| Equity capital to assets | 10.8781% | 2,887 |
| Core capital (leverage) ratio | 11.4268% | 2,100 |
| Tier 1 risk-based capital ratio | 16.9781% | 2,714 |
| Total risk-based capital ratio | 18.2346% | 2,676 |
| Memoranda: | ||
| Average total assets | $119,224,250 | 4,336 |
| Average earning assets | $112,038,500 | 4,260 |
| Average equity | $13,213,500 | 4,266 |
| Average total loans | $70,393,000 | 4,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,871 |
| Cost of funding earning assets | 0.3239% | 5,629 |
| Net interest margin | 3.9944% | 1,877 |
| Noninterest income to average assets | 0.4414% | 4,235 |
| Noninterest expense to average assets | 2.7129% | 3,985 |
| Loan and lease loss provision to assets | 0.0930% | 3,234 |
| Net operating income to assets | 1.3903% | 1,102 |
| Return on assets (ROA) | 1.3903% | 1,184 |
| Pretax return on assets | 1.3903% | 1,970 |
| Return on Equity (ROE) | 12.4649% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.9763% | 1,497 |
| Net charge-offs to loans | 0.7966% | 787 |
| Credit loss provision to net charge-offs | 19.7842% | 3,738 |
| Earnings coverage of net charge-offs (x) | 3.1547% | 3,471 |
| Efficiency ratio | 64.6514% | 4,766 |
| Assets per employee ($millions) | 4.9735% | 2,142 |
| Cash dividends to net income (ytd only)* | 36.0097% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 1,877 |
| Loan loss allowance to noncurrent loans | 134.6899% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 3,331 |
| Noncurrent loans to loans | 1.4770% | 3,091 |
| Net loans and leases to total assets | 57.3728% | 4,081 |
| Net loans and leases to deposits | 65.7997% | 4,286 |
| Net loans and leases to core deposits | 69.9792% | 4,281 |
| Total domestic deposits to total assets | 87.1931% | 2,712 |
| Equity capital to assets | 11.0786% | 2,679 |
| Core capital (leverage) ratio | 11.4046% | 2,021 |
| Tier 1 risk-based capital ratio | 15.9941% | 3,200 |
| Total risk-based capital ratio | 17.2496% | 3,134 |
| Memoranda: | ||
| Average total assets | $118,250,670 | 4,384 |
| Average earning assets | $111,155,670 | 4,310 |
| Average equity | $13,189,000 | 4,302 |
| Average total loans | $69,800,670 | 4,314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,753 |
| Cost of funding earning assets | 0.3375% | 5,658 |
| Net interest margin | 3.9959% | 1,806 |
| Noninterest income to average assets | 0.4452% | 4,140 |
| Noninterest expense to average assets | 2.6747% | 4,169 |
| Loan and lease loss provision to assets | 0.1359% | 2,547 |
| Net operating income to assets | 1.3765% | 1,080 |
| Return on assets (ROA) | 1.3765% | 1,169 |
| Pretax return on assets | 1.3765% | 1,933 |
| Return on Equity (ROE) | 12.2993% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.7505% | 925 |
| Net charge-offs to loans | 1.0664% | 566 |
| Credit loss provision to net charge-offs | 21.5054% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.3925% | 3,044 |
| Efficiency ratio | 63.8799% | 5,022 |
| Assets per employee ($millions) | 4.8988% | 2,348 |
| Cash dividends to net income (ytd only)* | 12.5926% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,765 |
| Loan loss allowance to noncurrent loans | 105.1613% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 2,956 |
| Noncurrent loans to loans | 2.0103% | 2,607 |
| Net loans and leases to total assets | 57.7741% | 3,804 |
| Net loans and leases to deposits | 66.4882% | 3,993 |
| Net loans and leases to core deposits | 69.9673% | 4,086 |
| Total domestic deposits to total assets | 86.8938% | 3,024 |
| Equity capital to assets | 11.3507% | 2,583 |
| Core capital (leverage) ratio | 11.7437% | 1,711 |
| Tier 1 risk-based capital ratio | 16.5698% | 2,966 |
| Total risk-based capital ratio | 17.8119% | 2,927 |
| Memoranda: | ||
| Average total assets | $117,693,500 | 4,449 |
| Average earning assets | $110,212,500 | 4,367 |
| Average equity | $13,171,500 | 4,356 |
| Average total loans | $69,764,500 | 4,350 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 3,357 |
| Cost of funding earning assets | 0.4404% | 5,648 |
| Net interest margin | 4.0692% | 2,124 |
| Noninterest income to average assets | 0.4952% | 3,934 |
| Noninterest expense to average assets | 2.8077% | 3,996 |
| Loan and lease loss provision to assets | 0.1772% | 3,408 |
| Net operating income to assets | 1.3339% | 1,226 |
| Return on assets (ROA) | 1.3339% | 1,355 |
| Pretax return on assets | 1.3339% | 2,278 |
| Return on Equity (ROE) | 12.6145% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,173 |
| Net charge-offs to loans | 0.2897% | 3,206 |
| Credit loss provision to net charge-offs | 105.0251% | 2,838 |
| Earnings coverage of net charge-offs (x) | 8.9548% | 2,329 |
| Efficiency ratio | 65.0108% | 4,699 |
| Assets per employee ($millions) | 4.9090% | 2,346 |
| Cash dividends to net income (ytd only)* | 37.7622% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2998% | 1,370 |
| Loan loss allowance to noncurrent loans | 85.9808% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0939% | 2,341 |
| Noncurrent loans to loans | 2.6748% | 1,979 |
| Net loans and leases to total assets | 58.1614% | 3,950 |
| Net loans and leases to deposits | 66.8123% | 4,162 |
| Net loans and leases to core deposits | 70.2565% | 4,273 |
| Total domestic deposits to total assets | 87.0520% | 2,817 |
| Equity capital to assets | 11.0324% | 2,910 |
| Core capital (leverage) ratio | 11.1623% | 2,111 |
| Tier 1 risk-based capital ratio | 15.7488% | 3,291 |
| Total risk-based capital ratio | 17.0080% | 3,243 |
| Memoranda: | ||
| Average total assets | $117,924,000 | 4,402 |
| Average earning assets | $110,808,800 | 4,319 |
| Average equity | $12,469,800 | 4,465 |
| Average total loans | $68,687,400 | 4,402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 3,541 |
| Cost of funding earning assets | 0.4604% | 5,721 |
| Net interest margin | 4.0631% | 2,241 |
| Noninterest income to average assets | 0.4680% | 4,151 |
| Noninterest expense to average assets | 2.8734% | 3,694 |
| Loan and lease loss provision to assets | 0.1797% | 3,341 |
| Net operating income to assets | 1.2355% | 1,616 |
| Return on assets (ROA) | 1.2355% | 1,786 |
| Pretax return on assets | 1.2355% | 2,847 |
| Return on Equity (ROE) | 11.8117% | 1,695 |
| Retained earnings to average equity (ytd only) | 7.5863% | 1,805 |
| Net charge-offs to loans | 0.3025% | 2,927 |
| Credit loss provision to net charge-offs | 102.5806% | 2,869 |
| Earnings coverage of net charge-offs (x) | 8.0775% | 2,508 |
| Efficiency ratio | 67.0005% | 4,246 |
| Assets per employee ($millions) | 4.6333% | 2,695 |
| Cash dividends to net income (ytd only)* | 35.7730% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,555 |
| Loan loss allowance to noncurrent loans | 119.3022% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6032% | 3,192 |
| Noncurrent loans to loans | 1.9137% | 2,942 |
| Net loans and leases to total assets | 59.3791% | 3,894 |
| Net loans and leases to deposits | 68.3351% | 4,127 |
| Net loans and leases to core deposits | 73.1811% | 4,089 |
| Total domestic deposits to total assets | 86.8939% | 2,740 |
| Equity capital to assets | 10.9702% | 3,307 |
| Core capital (leverage) ratio | 11.0040% | 2,377 |
| Tier 1 risk-based capital ratio | 15.4470% | 3,570 |
| Total risk-based capital ratio | 16.7054% | 3,520 |
| Memoranda: | ||
| Average total assets | $117,950,750 | 4,448 |
| Average earning assets | $110,913,250 | 4,368 |
| Average equity | $12,337,750 | 4,532 |
| Average total loans | $68,325,000 | 4,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 3,862 |
| Cost of funding earning assets | 0.4584% | 5,913 |
| Net interest margin | 4.0185% | 2,423 |
| Noninterest income to average assets | 0.4601% | 4,207 |
| Noninterest expense to average assets | 2.8367% | 3,881 |
| Loan and lease loss provision to assets | 0.2680% | 2,441 |
| Net operating income to assets | 1.1377% | 1,921 |
| Return on assets (ROA) | 1.1377% | 2,139 |
| Pretax return on assets | 1.1377% | 3,159 |
| Return on Equity (ROE) | 11.0523% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.5156% | 1,860 |
| Net charge-offs to loans | 0.1331% | 3,863 |
| Credit loss provision to net charge-offs | 353.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 18.5333% | 1,481 |
| Efficiency ratio | 66.8653% | 4,344 |
| Assets per employee ($millions) | 4.6041% | 2,717 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5116% | 1,265 |
| Loan loss allowance to noncurrent loans | 82.1924% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 2,787 |
| Noncurrent loans to loans | 3.0557% | 1,924 |
| Net loans and leases to total assets | 57.9012% | 4,177 |
| Net loans and leases to deposits | 66.3646% | 4,462 |
| Net loans and leases to core deposits | 71.1164% | 4,400 |
| Total domestic deposits to total assets | 87.2471% | 2,621 |
| Equity capital to assets | 10.8668% | 3,271 |
| Core capital (leverage) ratio | 10.7596% | 2,532 |
| Tier 1 risk-based capital ratio | 15.7713% | 3,291 |
| Total risk-based capital ratio | 17.0329% | 3,258 |
| Memoranda: | ||
| Average total assets | $118,657,000 | 4,451 |
| Average earning assets | $111,683,330 | 4,372 |
| Average equity | $12,214,670 | 4,559 |
| Average total loans | $67,637,670 | 4,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 4,473 |
| Cost of funding earning assets | 0.4064% | 6,376 |
| Net interest margin | 3.9548% | 2,693 |
| Noninterest income to average assets | 0.3919% | 4,728 |
| Noninterest expense to average assets | 2.7766% | 4,136 |
| Loan and lease loss provision to assets | 0.3986% | 1,585 |
| Net operating income to assets | 0.9333% | 2,776 |
| Return on assets (ROA) | 0.9333% | 2,978 |
| Pretax return on assets | 0.9333% | 3,919 |
| Return on Equity (ROE) | 9.3139% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.6347% | 3,177 |
| Net charge-offs to loans | 0.2438% | 2,714 |
| Credit loss provision to net charge-offs | 292.6829% | 1,008 |
| Earnings coverage of net charge-offs (x) | 9.7805% | 1,810 |
| Efficiency ratio | 67.5829% | 4,257 |
| Assets per employee ($millions) | 4.6830% | 2,688 |
| Cash dividends to net income (ytd only)* | 39.5018% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5401% | 1,297 |
| Loan loss allowance to noncurrent loans | 81.4922% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 2.1198% | 2,760 |
| Noncurrent loans to loans | 3.1170% | 2,053 |
| Net loans and leases to total assets | 53.0031% | 4,882 |
| Net loans and leases to deposits | 60.0603% | 5,139 |
| Net loans and leases to core deposits | 65.3655% | 4,982 |
| Total domestic deposits to total assets | 88.2497% | 2,162 |
| Equity capital to assets | 9.8752% | 4,289 |
| Core capital (leverage) ratio | 10.0701% | 3,288 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,900 |
| Total risk-based capital ratio | 16.0442% | 3,856 |
| Memoranda: | ||
| Average total assets | $120,434,000 | 4,443 |
| Average earning assets | $113,178,500 | 4,352 |
| Average equity | $12,068,000 | 4,598 |
| Average total loans | $67,275,000 | 4,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 2,766 |
| Cost of funding earning assets | 0.9168% | 3,986 |
| Net interest margin | 4.1110% | 2,387 |
| Noninterest income to average assets | 0.4048% | 4,575 |
| Noninterest expense to average assets | 2.8331% | 4,227 |
| Loan and lease loss provision to assets | 0.5052% | 2,081 |
| Net operating income to assets | 0.9033% | 2,587 |
| Return on assets (ROA) | 0.9033% | 2,721 |
| Pretax return on assets | 0.9033% | 3,598 |
| Return on Equity (ROE) | 8.9767% | 2,459 |
| Retained earnings to average equity (ytd only) | 4.3109% | 3,111 |
| Net charge-offs to loans | 0.4347% | 3,264 |
| Credit loss provision to net charge-offs | 192.8571% | 1,321 |
| Earnings coverage of net charge-offs (x) | 5.3766% | 2,816 |
| Efficiency ratio | 66.7937% | 4,609 |
| Assets per employee ($millions) | 4.5811% | 2,782 |
| Cash dividends to net income (ytd only)* | 51.9774% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3459% | 1,549 |
| Loan loss allowance to noncurrent loans | 208.7240% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 4,641 |
| Noncurrent loans to loans | 1.1239% | 4,476 |
| Net loans and leases to total assets | 56.0235% | 4,701 |
| Net loans and leases to deposits | 63.9210% | 5,025 |
| Net loans and leases to core deposits | 72.8117% | 4,403 |
| Total domestic deposits to total assets | 87.6449% | 2,371 |
| Equity capital to assets | 10.1688% | 3,945 |
| Core capital (leverage) ratio | 10.0428% | 3,287 |
| Tier 1 risk-based capital ratio | 14.4276% | 4,024 |
| Total risk-based capital ratio | 15.6866% | 3,991 |
| Memoranda: | ||
| Average total assets | $117,574,800 | 4,468 |
| Average earning assets | $109,729,200 | 4,400 |
| Average equity | $11,830,600 | 4,589 |
| Average total loans | $70,856,200 | 4,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 2,472 |
| Cost of funding earning assets | 0.9592% | 3,966 |
| Net interest margin | 4.1705% | 2,208 |
| Noninterest income to average assets | 0.5313% | 3,645 |
| Noninterest expense to average assets | 3.0388% | 3,408 |
| Loan and lease loss provision to assets | 0.4960% | 2,002 |
| Net operating income to assets | 0.8795% | 2,823 |
| Return on assets (ROA) | 0.8795% | 2,969 |
| Pretax return on assets | 0.8795% | 3,846 |
| Return on Equity (ROE) | 8.7638% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.2968% | 3,671 |
| Net charge-offs to loans | 0.4066% | 3,099 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.5459% | 2,755 |
| Efficiency ratio | 68.8402% | 4,151 |
| Assets per employee ($millions) | 4.5228% | 2,875 |
| Cash dividends to net income (ytd only)* | 50.9703% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,889 |
| Loan loss allowance to noncurrent loans | 224.0876% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 4,942 |
| Noncurrent loans to loans | 0.9759% | 4,938 |
| Net loans and leases to total assets | 58.3853% | 4,442 |
| Net loans and leases to deposits | 66.1856% | 4,875 |
| Net loans and leases to core deposits | 75.2422% | 4,291 |
| Total domestic deposits to total assets | 88.2144% | 1,916 |
| Equity capital to assets | 10.2115% | 4,067 |
| Core capital (leverage) ratio | 9.9181% | 3,550 |
| Tier 1 risk-based capital ratio | 14.7913% | 3,780 |
| Total risk-based capital ratio | 16.0499% | 3,751 |
| Memoranda: | ||
| Average total assets | $117,191,250 | 4,499 |
| Average earning assets | $109,112,750 | 4,447 |
| Average equity | $11,760,250 | 4,629 |
| Average total loans | $71,487,250 | 4,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 2,183 |
| Cost of funding earning assets | 0.9978% | 3,961 |
| Net interest margin | 4.2221% | 1,947 |
| Noninterest income to average assets | 0.5553% | 3,432 |
| Noninterest expense to average assets | 3.1233% | 3,168 |
| Loan and lease loss provision to assets | 0.4784% | 2,070 |
| Net operating income to assets | 0.8936% | 2,666 |
| Return on assets (ROA) | 0.8936% | 2,775 |
| Pretax return on assets | 0.8936% | 3,638 |
| Return on Equity (ROE) | 8.9573% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.2027% | 4,232 |
| Net charge-offs to loans | 0.1613% | 4,208 |
| Credit loss provision to net charge-offs | 482.7586% | 640 |
| Earnings coverage of net charge-offs (x) | 13.8448% | 1,516 |
| Efficiency ratio | 69.4793% | 4,213 |
| Assets per employee ($millions) | 4.3663% | 3,048 |
| Cash dividends to net income (ytd only)* | 64.2447% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,966 |
| Loan loss allowance to noncurrent loans | 288.2022% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 4,601 |
| Noncurrent loans to loans | 0.7555% | 5,397 |
| Net loans and leases to total assets | 58.6521% | 4,520 |
| Net loans and leases to deposits | 65.9057% | 5,015 |
| Net loans and leases to core deposits | 76.1660% | 4,298 |
| Total domestic deposits to total assets | 88.9940% | 1,533 |
| Equity capital to assets | 10.0331% | 4,102 |
| Core capital (leverage) ratio | 9.7791% | 3,550 |
| Tier 1 risk-based capital ratio | 14.0448% | 4,142 |
| Total risk-based capital ratio | 15.3020% | 4,108 |
| Memoranda: | ||
| Average total assets | $117,057,330 | 4,538 |
| Average earning assets | $109,236,000 | 4,470 |
| Average equity | $11,677,670 | 4,648 |
| Average total loans | $71,919,000 | 4,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 2,426 |
| Cost of funding earning assets | 1.0658% | 3,743 |
| Net interest margin | 4.0861% | 2,320 |
| Noninterest income to average assets | 0.6104% | 3,092 |
| Noninterest expense to average assets | 3.1070% | 3,217 |
| Loan and lease loss provision to assets | 0.4458% | 1,980 |
| Net operating income to assets | 0.8573% | 2,747 |
| Return on assets (ROA) | 0.8573% | 2,812 |
| Pretax return on assets | 0.8573% | 3,672 |
| Return on Equity (ROE) | 8.6188% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.5846% | 1,901 |
| Net charge-offs to loans | 0.2812% | 2,942 |
| Credit loss provision to net charge-offs | 254.9020% | 1,224 |
| Earnings coverage of net charge-offs (x) | 7.4510% | 1,945 |
| Efficiency ratio | 70.4510% | 4,173 |
| Assets per employee ($millions) | 4.5717% | 2,778 |
| Cash dividends to net income (ytd only)* | 12.0000% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 2,556 |
| Loan loss allowance to noncurrent loans | 224.7987% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 4,345 |
| Noncurrent loans to loans | 0.8647% | 5,308 |
| Net loans and leases to total assets | 59.2464% | 4,418 |
| Net loans and leases to deposits | 66.6131% | 4,888 |
| Net loans and leases to core deposits | 77.6282% | 4,072 |
| Total domestic deposits to total assets | 88.9410% | 1,807 |
| Equity capital to assets | 9.8660% | 3,944 |
| Core capital (leverage) ratio | 9.8679% | 3,315 |
| Tier 1 risk-based capital ratio | 13.6037% | 4,357 |
| Total risk-based capital ratio | 14.8588% | 4,322 |
| Memoranda: | ||
| Average total assets | $116,641,000 | 4,575 |
| Average earning assets | $108,464,500 | 4,516 |
| Average equity | $11,602,500 | 4,645 |
| Average total loans | $72,536,500 | 4,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8301% | 1,199 |
| Cost of funding earning assets | 1.3241% | 3,727 |
| Net interest margin | 4.5060% | 1,217 |
| Noninterest income to average assets | 0.4437% | 4,571 |
| Noninterest expense to average assets | 3.1652% | 3,209 |
| Loan and lease loss provision to assets | 0.4304% | 3,538 |
| Net operating income to assets | 1.0276% | 1,944 |
| Return on assets (ROA) | 1.0276% | 2,050 |
| Pretax return on assets | 1.0276% | 2,843 |
| Return on Equity (ROE) | 10.0612% | 1,904 |
| Retained earnings to average equity (ytd only) | 4.7526% | 2,574 |
| Net charge-offs to loans | 0.4557% | 3,796 |
| Credit loss provision to net charge-offs | 142.2287% | 2,631 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,792 |
| Efficiency ratio | 68.4645% | 4,461 |
| Assets per employee ($millions) | 4.5768% | 2,742 |
| Cash dividends to net income (ytd only)* | 52.7634% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 2,872 |
| Loan loss allowance to noncurrent loans | 144.5664% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 3,879 |
| Noncurrent loans to loans | 1.2436% | 4,641 |
| Net loans and leases to total assets | 62.8724% | 4,099 |
| Net loans and leases to deposits | 71.1025% | 4,667 |
| Net loans and leases to core deposits | 83.3494% | 3,697 |
| Total domestic deposits to total assets | 88.4250% | 2,000 |
| Equity capital to assets | 10.0316% | 3,710 |
| Core capital (leverage) ratio | 9.8485% | 3,265 |
| Tier 1 risk-based capital ratio | 14.0463% | 3,840 |
| Total risk-based capital ratio | 15.3009% | 3,805 |
| Memoranda: | ||
| Average total assets | $112,695,200 | 4,643 |
| Average earning assets | $104,526,200 | 4,596 |
| Average equity | $11,509,600 | 4,732 |
| Average total loans | $74,828,400 | 4,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9092% | 1,115 |
| Cost of funding earning assets | 1.3777% | 3,725 |
| Net interest margin | 4.5315% | 1,186 |
| Noninterest income to average assets | 0.4513% | 4,551 |
| Noninterest expense to average assets | 3.1971% | 2,939 |
| Loan and lease loss provision to assets | 0.3563% | 3,765 |
| Net operating income to assets | 1.0974% | 1,894 |
| Return on assets (ROA) | 1.0974% | 2,004 |
| Pretax return on assets | 1.0974% | 2,835 |
| Return on Equity (ROE) | 10.6965% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.6492% | 2,568 |
| Net charge-offs to loans | 0.2552% | 4,414 |
| Credit loss provision to net charge-offs | 208.3333% | 1,694 |
| Earnings coverage of net charge-offs (x) | 8.4998% | 2,152 |
| Efficiency ratio | 68.7436% | 4,324 |
| Assets per employee ($millions) | 4.5986% | 2,748 |
| Cash dividends to net income (ytd only)* | 47.1862% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 2,941 |
| Loan loss allowance to noncurrent loans | 158.2143% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 4,463 |
| Noncurrent loans to loans | 1.1118% | 5,023 |
| Net loans and leases to total assets | 64.5634% | 4,005 |
| Net loans and leases to deposits | 73.1788% | 4,656 |
| Net loans and leases to core deposits | 86.0511% | 3,644 |
| Total domestic deposits to total assets | 88.2270% | 1,842 |
| Equity capital to assets | 10.1891% | 3,894 |
| Core capital (leverage) ratio | 10.0852% | 3,167 |
| Tier 1 risk-based capital ratio | 13.2323% | 4,397 |
| Total risk-based capital ratio | 14.4855% | 4,369 |
| Memoranda: | ||
| Average total assets | $112,264,250 | 4,708 |
| Average earning assets | $104,039,000 | 4,666 |
| Average equity | $11,517,500 | 4,801 |
| Average total loans | $75,221,750 | 4,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9695% | 1,018 |
| Cost of funding earning assets | 1.4481% | 3,567 |
| Net interest margin | 4.5213% | 1,165 |
| Noninterest income to average assets | 0.4508% | 4,502 |
| Noninterest expense to average assets | 3.1626% | 3,041 |
| Loan and lease loss provision to assets | 0.3682% | 3,499 |
| Net operating income to assets | 1.0973% | 1,863 |
| Return on assets (ROA) | 1.0973% | 1,933 |
| Pretax return on assets | 1.0973% | 2,795 |
| Return on Equity (ROE) | 10.6706% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.6105% | 3,139 |
| Net charge-offs to loans | 0.2716% | 3,984 |
| Credit loss provision to net charge-offs | 200.9804% | 1,947 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,207 |
| Efficiency ratio | 68.3353% | 4,510 |
| Assets per employee ($millions) | 4.4188% | 3,023 |
| Cash dividends to net income (ytd only)* | 56.7921% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 3,073 |
| Loan loss allowance to noncurrent loans | 130.8718% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.6756% | 3,924 |
| Noncurrent loans to loans | 1.2998% | 4,781 |
| Net loans and leases to total assets | 66.7451% | 3,679 |
| Net loans and leases to deposits | 75.6572% | 4,391 |
| Net loans and leases to core deposits | 86.7173% | 3,738 |
| Total domestic deposits to total assets | 88.2204% | 1,872 |
| Equity capital to assets | 10.4688% | 3,452 |
| Core capital (leverage) ratio | 9.9901% | 3,174 |
| Tier 1 risk-based capital ratio | 13.2135% | 4,277 |
| Total risk-based capital ratio | 14.4664% | 4,232 |
| Memoranda: | ||
| Average total assets | $111,363,670 | 4,765 |
| Average earning assets | $102,890,330 | 4,726 |
| Average equity | $11,452,000 | 4,815 |
| Average total loans | $75,110,670 | 4,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 1,247 |
| Cost of funding earning assets | 1.5283% | 3,379 |
| Net interest margin | 4.3523% | 1,531 |
| Noninterest income to average assets | 0.5474% | 3,670 |
| Noninterest expense to average assets | 3.0123% | 3,632 |
| Loan and lease loss provision to assets | 0.3756% | 3,115 |
| Net operating income to assets | 1.1734% | 1,609 |
| Return on assets (ROA) | 1.1734% | 1,691 |
| Pretax return on assets | 1.1734% | 2,464 |
| Return on Equity (ROE) | 11.5133% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.9501% | 2,155 |
| Net charge-offs to loans | 0.0585% | 4,827 |
| Credit loss provision to net charge-offs | 954.5455% | 486 |
| Earnings coverage of net charge-offs (x) | 39.3636% | 702 |
| Efficiency ratio | 66.0392% | 5,107 |
| Assets per employee ($millions) | 4.4506% | 3,040 |
| Cash dividends to net income (ytd only)* | 39.6341% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 2,987 |
| Loan loss allowance to noncurrent loans | 237.2659% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 4,464 |
| Noncurrent loans to loans | 0.7251% | 5,870 |
| Net loans and leases to total assets | 65.0480% | 4,087 |
| Net loans and leases to deposits | 75.3867% | 4,515 |
| Net loans and leases to core deposits | 86.0849% | 3,881 |
| Total domestic deposits to total assets | 86.2858% | 2,990 |
| Equity capital to assets | 10.3133% | 3,456 |
| Core capital (leverage) ratio | 10.0022% | 3,159 |
| Tier 1 risk-based capital ratio | 12.3940% | 4,835 |
| Total risk-based capital ratio | 13.6456% | 4,785 |
| Memoranda: | ||
| Average total assets | $111,810,000 | 4,826 |
| Average earning assets | $103,119,000 | 4,780 |
| Average equity | $11,395,500 | 4,872 |
| Average total loans | $75,161,000 | 4,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3571% | 917 |
| Cost of funding earning assets | 1.8498% | 3,735 |
| Net interest margin | 4.5074% | 1,164 |
| Noninterest income to average assets | 0.5627% | 3,919 |
| Noninterest expense to average assets | 2.9976% | 4,152 |
| Loan and lease loss provision to assets | 0.5101% | 3,826 |
| Net operating income to assets | 1.3399% | 958 |
| Return on assets (ROA) | 1.3399% | 1,003 |
| Pretax return on assets | 1.3069% | 1,674 |
| Return on Equity (ROE) | 13.9347% | 795 |
| Retained earnings to average equity (ytd only) | 7.6571% | 789 |
| Net charge-offs to loans | 0.3220% | 4,627 |
| Credit loss provision to net charge-offs | 231.0484% | 1,583 |
| Earnings coverage of net charge-offs (x) | 8.2298% | 1,975 |
| Efficiency ratio | 62.2596% | 6,113 |
| Assets per employee ($millions) | 4.3214% | 3,239 |
| Cash dividends to net income (ytd only)* | 45.0498% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,574 |
| Loan loss allowance to noncurrent loans | 182.1429% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 4,617 |
| Noncurrent loans to loans | 0.8399% | 5,612 |
| Net loans and leases to total assets | 67.2034% | 3,876 |
| Net loans and leases to deposits | 78.7261% | 4,226 |
| Net loans and leases to core deposits | 107.8040% | 3,123 |
| Total domestic deposits to total assets | 85.3635% | 3,380 |
| Equity capital to assets | 10.0716% | 3,661 |
| Core capital (leverage) ratio | 9.5283% | 3,686 |
| Tier 1 risk-based capital ratio | 12.9896% | 4,151 |
| Total risk-based capital ratio | 14.2416% | 4,097 |
| Memoranda: | ||
| Average total assets | $112,323,800 | 4,769 |
| Average earning assets | $105,959,800 | 4,680 |
| Average equity | $10,800,400 | 5,080 |
| Average total loans | $77,028,400 | 4,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4001% | 923 |
| Cost of funding earning assets | 1.9087% | 3,836 |
| Net interest margin | 4.4914% | 1,211 |
| Noninterest income to average assets | 0.5995% | 3,713 |
| Noninterest expense to average assets | 3.0449% | 3,861 |
| Loan and lease loss provision to assets | 0.4428% | 3,693 |
| Net operating income to assets | 1.3960% | 1,039 |
| Return on assets (ROA) | 1.3960% | 1,102 |
| Pretax return on assets | 1.3521% | 1,817 |
| Return on Equity (ROE) | 14.6930% | 814 |
| Retained earnings to average equity (ytd only) | 9.6829% | 693 |
| Net charge-offs to loans | 0.3320% | 3,975 |
| Credit loss provision to net charge-offs | 194.2708% | 2,321 |
| Earnings coverage of net charge-offs (x) | 7.8751% | 2,334 |
| Efficiency ratio | 62.9139% | 5,944 |
| Assets per employee ($millions) | 4.4914% | 2,873 |
| Cash dividends to net income (ytd only)* | 34.0984% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,282 |
| Loan loss allowance to noncurrent loans | 294.8424% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,669 |
| Noncurrent loans to loans | 0.4532% | 6,416 |
| Net loans and leases to total assets | 65.0650% | 4,635 |
| Net loans and leases to deposits | 75.2779% | 5,164 |
| Net loans and leases to core deposits | 102.8229% | 4,072 |
| Total domestic deposits to total assets | 86.4331% | 2,459 |
| Equity capital to assets | 9.9121% | 4,200 |
| Core capital (leverage) ratio | 9.3052% | 4,183 |
| Tier 1 risk-based capital ratio | 12.3597% | 4,660 |
| Total risk-based capital ratio | 13.5338% | 4,663 |
| Memoranda: | ||
| Average total assets | $112,315,750 | 4,799 |
| Average earning assets | $106,037,500 | 4,707 |
| Average equity | $10,671,500 | 5,152 |
| Average total loans | $77,115,500 | 4,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5563% | 720 |
| Cost of funding earning assets | 1.9663% | 3,934 |
| Net interest margin | 4.5900% | 979 |
| Noninterest income to average assets | 0.6280% | 3,479 |
| Noninterest expense to average assets | 3.1508% | 3,500 |
| Loan and lease loss provision to assets | 0.4548% | 3,258 |
| Net operating income to assets | 1.4220% | 972 |
| Return on assets (ROA) | 1.4220% | 1,044 |
| Pretax return on assets | 1.3570% | 1,843 |
| Return on Equity (ROE) | 15.1972% | 800 |
| Retained earnings to average equity (ytd only) | 9.2186% | 889 |
| Net charge-offs to loans | 0.3370% | 3,492 |
| Credit loss provision to net charge-offs | 193.8462% | 2,356 |
| Earnings coverage of net charge-offs (x) | 7.7231% | 2,401 |
| Efficiency ratio | 63.4909% | 6,004 |
| Assets per employee ($millions) | 4.4390% | 2,858 |
| Cash dividends to net income (ytd only)* | 39.3401% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,624 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 4,929 |
| Noncurrent loans to loans | 0.9979% | 5,210 |
| Net loans and leases to total assets | 66.5364% | 4,451 |
| Net loans and leases to deposits | 76.1563% | 5,148 |
| Net loans and leases to core deposits | 102.4030% | 4,244 |
| Total domestic deposits to total assets | 87.3682% | 2,066 |
| Equity capital to assets | 8.9468% | 5,387 |
| Core capital (leverage) ratio | 8.7634% | 4,986 |
| Tier 1 risk-based capital ratio | 10.9871% | 5,884 |
| Total risk-based capital ratio | 12.0704% | 5,996 |
| Memoranda: | ||
| Average total assets | $110,828,670 | 4,863 |
| Average earning assets | $104,662,670 | 4,766 |
| Average equity | $10,370,330 | 5,260 |
| Average total loans | $77,150,670 | 4,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9278% | 388 |
| Cost of funding earning assets | 2.0367% | 3,945 |
| Net interest margin | 4.8911% | 512 |
| Noninterest income to average assets | 0.4680% | 4,608 |
| Noninterest expense to average assets | 2.9741% | 3,879 |
| Loan and lease loss provision to assets | 0.4423% | 2,713 |
| Net operating income to assets | 1.6806% | 673 |
| Return on assets (ROA) | 1.6806% | 741 |
| Pretax return on assets | 1.6806% | 1,215 |
| Return on Equity (ROE) | 17.5511% | 632 |
| Retained earnings to average equity (ytd only) | 17.5511% | 249 |
| Net charge-offs to loans | 0.0833% | 4,335 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 924 |
| Efficiency ratio | 58.3514% | 6,640 |
| Assets per employee ($millions) | 4.1969% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,508 |
| Loan loss allowance to noncurrent loans | 117.9678% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 4,400 |
| Noncurrent loans to loans | 1.0531% | 4,880 |
| Net loans and leases to total assets | 69.3512% | 3,833 |
| Net loans and leases to deposits | 80.9205% | 4,467 |
| Net loans and leases to core deposits | 112.4608% | 3,171 |
| Total domestic deposits to total assets | 85.7029% | 2,870 |
| Equity capital to assets | 9.7654% | 4,287 |
| Core capital (leverage) ratio | 9.0264% | 4,663 |
| Tier 1 risk-based capital ratio | 11.6023% | 5,303 |
| Total risk-based capital ratio | 12.7277% | 5,333 |
| Memoranda: | ||
| Average total assets | $108,535,500 | 4,941 |
| Average earning assets | $102,716,500 | 4,841 |
| Average equity | $10,392,500 | 5,262 |
| Average total loans | $76,844,500 | 4,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1724% | 789 |
| Cost of funding earning assets | 2.3364% | 4,986 |
| Net interest margin | 4.8361% | 725 |
| Noninterest income to average assets | 0.5679% | 4,096 |
| Noninterest expense to average assets | 2.9344% | 4,323 |
| Loan and lease loss provision to assets | 0.3012% | 3,963 |
| Net operating income to assets | 1.8830% | 450 |
| Return on assets (ROA) | 1.8830% | 438 |
| Pretax return on assets | 1.9329% | 718 |
| Return on Equity (ROE) | 20.5554% | 333 |
| Retained earnings to average equity (ytd only) | 1.1937% | 4,514 |
| Net charge-offs to loans | 0.1049% | 5,252 |
| Credit loss provision to net charge-offs | 418.6667% | 1,040 |
| Earnings coverage of net charge-offs (x) | 31.0533% | 1,141 |
| Efficiency ratio | 56.7743% | 6,895 |
| Assets per employee ($millions) | 3.9982% | 3,513 |
| Cash dividends to net income (ytd only)* | 94.1926% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,290 |
| Loan loss allowance to noncurrent loans | 823.3010% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 7,156 |
| Noncurrent loans to loans | 0.1337% | 7,017 |
| Net loans and leases to total assets | 70.5996% | 3,883 |
| Net loans and leases to deposits | 83.4196% | 4,511 |
| Net loans and leases to core deposits | 111.9051% | 3,575 |
| Total domestic deposits to total assets | 84.6319% | 3,012 |
| Equity capital to assets | 9.3830% | 4,841 |
| Core capital (leverage) ratio | 8.5664% | 5,453 |
| Tier 1 risk-based capital ratio | 11.2615% | 5,475 |
| Total risk-based capital ratio | 12.2819% | 5,595 |
| Memoranda: | ||
| Average total assets | $104,247,400 | 4,924 |
| Average earning assets | $99,171,600 | 4,827 |
| Average equity | $9,549,800 | 5,554 |
| Average total loans | $71,463,800 | 4,810 |