Home > Bank of Zumbrota > Performance and Condition Ratios
Bank of Zumbrota, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 3,028 |
| Cost of funding earning assets | 0.2551% | 2,653 |
| Net interest margin | 3.1017% | 2,935 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.0848% | 3,248 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.0600% | 2,253 |
| Return on assets (ROA) | 1.0547% | 2,234 |
| Pretax return on assets | 1.1400% | 2,594 |
| Return on Equity (ROE) | 7.5100% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.2150% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4754% | 3,327 |
| Assets per employee ($millions) | 6.7280% | 2,142 |
| Cash dividends to net income (ytd only)* | 30.5389% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1993% | 4,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.5700% | 2,948 |
| Net loans and leases to deposits | 68.8108% | 2,474 |
| Net loans and leases to core deposits | 76.6095% | 2,154 |
| Total domestic deposits to total assets | 80.7500% | 4,022 |
| Equity capital to assets | 14.3406% | 531 |
| Core capital (leverage) ratio | 9.9696% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3085% | 2,985 |
| Memoranda: | ||
| Average total assets | $211,110,250 | 2,994 |
| Average earning assets | $188,708,500 | 3,026 |
| Average equity | $29,657,250 | 2,386 |
| Average total loans | $111,583,000 | 3,027 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 2,677 |
| Cost of funding earning assets | 0.2468% | 2,313 |
| Net interest margin | 3.0734% | 2,637 |
| Noninterest income to average assets | 0.6237% | 1,641 |
| Noninterest expense to average assets | 2.0775% | 3,214 |
| Loan and lease loss provision to assets | 0.2092% | 388 |
| Net operating income to assets | 1.0303% | 2,041 |
| Return on assets (ROA) | 1.0215% | 2,051 |
| Pretax return on assets | 1.0831% | 2,472 |
| Return on Equity (ROE) | 7.3190% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,534 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1929% | 3,534 |
| Assets per employee ($millions) | 6.7341% | 2,139 |
| Cash dividends to net income (ytd only)* | 25.5027% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 4,690 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,008 |
| Noncurrent loans to loans | 0.1874% | 2,766 |
| Net loans and leases to total assets | 53.0475% | 3,055 |
| Net loans and leases to deposits | 65.3127% | 2,605 |
| Net loans and leases to core deposits | 70.5343% | 2,448 |
| Total domestic deposits to total assets | 81.2208% | 4,099 |
| Equity capital to assets | 13.9937% | 515 |
| Core capital (leverage) ratio | 9.5518% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6647% | 2,893 |
| Memoranda: | ||
| Average total assets | $214,200,333 | 2,995 |
| Average earning assets | $192,037,333 | 3,046 |
| Average equity | $29,894,667 | 2,424 |
| Average total loans | $111,318,000 | 3,050 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7738% | 3,793 |
| Cost of funding earning assets | 0.2168% | 2,569 |
| Net interest margin | 2.5570% | 3,769 |
| Noninterest income to average assets | 0.6638% | 1,435 |
| Noninterest expense to average assets | 2.0431% | 3,318 |
| Loan and lease loss provision to assets | 0.1586% | 490 |
| Net operating income to assets | 0.7671% | 2,788 |
| Return on assets (ROA) | 0.7671% | 2,777 |
| Pretax return on assets | 0.7671% | 3,207 |
| Return on Equity (ROE) | 5.5035% | 3,483 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,411 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0932% | 2,894 |
| Assets per employee ($millions) | 6.8930% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0791% | 4,737 |
| Loan loss allowance to noncurrent loans | 39.8148% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,102 |
| Noncurrent loans to loans | 0.1988% | 2,827 |
| Net loans and leases to total assets | 50.8180% | 3,091 |
| Net loans and leases to deposits | 62.7265% | 2,653 |
| Net loans and leases to core deposits | 66.3840% | 2,601 |
| Total domestic deposits to total assets | 81.0152% | 4,196 |
| Equity capital to assets | 14.2225% | 491 |
| Core capital (leverage) ratio | 8.9833% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0159% | 3,049 |
| Memoranda: | ||
| Average total assets | $216,921,500 | 2,990 |
| Average earning assets | $195,545,000 | 3,036 |
| Average equity | $30,235,500 | 2,474 |
| Average total loans | $111,494,500 | 3,043 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1719% | 4,826 |
| Cost of funding earning assets | 0.0110% | 4,797 |
| Net interest margin | 0.1609% | 4,823 |
| Noninterest income to average assets | 0.0324% | 4,750 |
| Noninterest expense to average assets | 0.1026% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0826% | 4,633 |
| Return on assets (ROA) | 0.0836% | 4,642 |
| Pretax return on assets | 0.0836% | 4,651 |
| Return on Equity (ROE) | 0.6761% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.6761% | 4,342 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3763% | 3,774 |
| Assets per employee ($millions) | 6.4753% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,027 |
| Noncurrent loans to loans | 0.2511% | 2,723 |
| Net loans and leases to total assets | 51.9229% | 3,077 |
| Net loans and leases to deposits | 63.5965% | 2,721 |
| Net loans and leases to core deposits | 68.0842% | 2,644 |
| Total domestic deposits to total assets | 81.6443% | 4,017 |
| Equity capital to assets | 13.6627% | 731 |
| Core capital (leverage) ratio | 8.1643% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1365% | 3,082 |
| Memoranda: | ||
| Average total assets | $200,862,200 | 3,060 |
| Average earning assets | $190,826,600 | 3,023 |
| Average equity | $24,850,200 | 2,861 |
| Average total loans | $119,534,800 | 2,956 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 2,441 |
| Cost of funding earning assets | 0.4430% | 1,400 |
| Net interest margin | 3.2010% | 2,726 |
| Noninterest income to average assets | 0.8366% | 1,424 |
| Noninterest expense to average assets | 2.2682% | 2,840 |
| Loan and lease loss provision to assets | -0.4423% | 4,868 |
| Net operating income to assets | 2.0893% | 400 |
| Return on assets (ROA) | 2.0989% | 418 |
| Pretax return on assets | 2.1016% | 669 |
| Return on Equity (ROE) | 17.4770% | 692 |
| Retained earnings to average equity (ytd only) | 7.1301% | 2,363 |
| Net charge-offs to loans | -0.0463% | 4,324 |
| Credit loss provision to net charge-offs | 1,547.6190% | 392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8893% | 3,277 |
| Assets per employee ($millions) | 5.6567% | 3,035 |
| Cash dividends to net income (ytd only)* | 59.2029% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,915 |
| Loan loss allowance to noncurrent loans | 222.2561% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 2,164 |
| Noncurrent loans to loans | 0.5468% | 1,951 |
| Net loans and leases to total assets | 58.1958% | 2,465 |
| Net loans and leases to deposits | 70.3822% | 2,196 |
| Net loans and leases to core deposits | 75.7002% | 2,080 |
| Total domestic deposits to total assets | 82.6853% | 3,780 |
| Equity capital to assets | 11.8762% | 1,457 |
| Core capital (leverage) ratio | 11.6703% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1068% | 1,931 |
| Memoranda: | ||
| Average total assets | $196,037,500 | 3,132 |
| Average earning assets | $188,725,500 | 3,079 |
| Average equity | $23,542,750 | 2,975 |
| Average total loans | $120,840,000 | 2,986 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 2,732 |
| Cost of funding earning assets | 0.4599% | 1,449 |
| Net interest margin | 3.1046% | 3,022 |
| Noninterest income to average assets | 0.8765% | 1,341 |
| Noninterest expense to average assets | 2.3276% | 2,684 |
| Loan and lease loss provision to assets | -0.6718% | 4,932 |
| Net operating income to assets | 2.2057% | 335 |
| Return on assets (ROA) | 2.2150% | 351 |
| Pretax return on assets | 2.2160% | 561 |
| Return on Equity (ROE) | 18.3722% | 609 |
| Retained earnings to average equity (ytd only) | 5.0067% | 3,180 |
| Net charge-offs to loans | -0.0429% | 4,301 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2622% | 2,983 |
| Assets per employee ($millions) | 5.5713% | 3,040 |
| Cash dividends to net income (ytd only)* | 72.7485% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,084 |
| Loan loss allowance to noncurrent loans | 177.0552% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,987 |
| Noncurrent loans to loans | 0.6628% | 1,764 |
| Net loans and leases to total assets | 60.5854% | 2,350 |
| Net loans and leases to deposits | 72.8315% | 2,131 |
| Net loans and leases to core deposits | 78.8076% | 1,979 |
| Total domestic deposits to total assets | 83.1858% | 3,664 |
| Equity capital to assets | 11.7412% | 1,494 |
| Core capital (leverage) ratio | 11.3504% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4627% | 2,184 |
| Memoranda: | ||
| Average total assets | $193,502,667 | 3,148 |
| Average earning assets | $186,109,000 | 3,099 |
| Average equity | $23,328,667 | 2,984 |
| Average total loans | $121,130,333 | 2,996 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 2,820 |
| Cost of funding earning assets | 0.4647% | 1,624 |
| Net interest margin | 3.0688% | 3,081 |
| Noninterest income to average assets | 0.9833% | 1,162 |
| Noninterest expense to average assets | 2.2825% | 2,846 |
| Loan and lease loss provision to assets | -1.3686% | 4,969 |
| Net operating income to assets | 3.0173% | 152 |
| Return on assets (ROA) | 3.0342% | 167 |
| Pretax return on assets | 3.0342% | 227 |
| Return on Equity (ROE) | 24.8250% | 263 |
| Retained earnings to average equity (ytd only) | 2.6358% | 3,890 |
| Net charge-offs to loans | -0.0532% | 4,420 |
| Credit loss provision to net charge-offs | 4,062.5000% | 136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0611% | 3,293 |
| Assets per employee ($millions) | 4.8358% | 3,824 |
| Cash dividends to net income (ytd only)* | 89.3824% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,968 |
| Loan loss allowance to noncurrent loans | 175.7055% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,868 |
| Noncurrent loans to loans | 0.6792% | 1,888 |
| Net loans and leases to total assets | 61.2972% | 2,364 |
| Net loans and leases to deposits | 73.9632% | 2,124 |
| Net loans and leases to core deposits | 78.6397% | 2,126 |
| Total domestic deposits to total assets | 82.8752% | 3,716 |
| Equity capital to assets | 11.9788% | 1,296 |
| Core capital (leverage) ratio | 11.9045% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1093% | 2,248 |
| Memoranda: | ||
| Average total assets | $189,970,000 | 3,166 |
| Average earning assets | $182,480,500 | 3,116 |
| Average equity | $23,218,500 | 2,977 |
| Average total loans | $120,216,500 | 3,015 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 1,970 |
| Cost of funding earning assets | 0.6511% | 1,985 |
| Net interest margin | 3.6135% | 2,095 |
| Noninterest income to average assets | 1.0944% | 890 |
| Noninterest expense to average assets | 2.6398% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.9021% | 320 |
| Return on assets (ROA) | 1.9089% | 335 |
| Pretax return on assets | 1.9100% | 542 |
| Return on Equity (ROE) | 15.1453% | 618 |
| Retained earnings to average equity (ytd only) | 5.3604% | 2,113 |
| Net charge-offs to loans | -0.3693% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1066% | 3,711 |
| Assets per employee ($millions) | 4.6627% | 3,749 |
| Cash dividends to net income (ytd only)* | 64.6067% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 1,005 |
| Loan loss allowance to noncurrent loans | 239.9535% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 1,905 |
| Noncurrent loans to loans | 0.7149% | 1,913 |
| Net loans and leases to total assets | 63.4646% | 2,434 |
| Net loans and leases to deposits | 77.5718% | 2,117 |
| Net loans and leases to core deposits | 81.3685% | 2,244 |
| Total domestic deposits to total assets | 81.8141% | 3,704 |
| Equity capital to assets | 12.4746% | 1,339 |
| Core capital (leverage) ratio | 11.8640% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5062% | 2,051 |
| Memoranda: | ||
| Average total assets | $177,173,400 | 3,125 |
| Average earning assets | $169,090,200 | 3,079 |
| Average equity | $22,330,400 | 2,984 |
| Average total loans | $127,528,600 | 2,894 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 1,979 |
| Cost of funding earning assets | 0.6865% | 2,112 |
| Net interest margin | 3.6588% | 2,070 |
| Noninterest income to average assets | 1.1805% | 763 |
| Noninterest expense to average assets | 2.5669% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1002% | 243 |
| Return on assets (ROA) | 2.1070% | 255 |
| Pretax return on assets | 2.1078% | 406 |
| Return on Equity (ROE) | 16.6719% | 475 |
| Retained earnings to average equity (ytd only) | 5.8530% | 2,168 |
| Net charge-offs to loans | -0.4083% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9910% | 4,039 |
| Assets per employee ($millions) | 4.5346% | 3,804 |
| Cash dividends to net income (ytd only)* | 64.8932% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,298 |
| Loan loss allowance to noncurrent loans | 197.3241% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 1,794 |
| Noncurrent loans to loans | 0.7766% | 1,872 |
| Net loans and leases to total assets | 70.5320% | 1,873 |
| Net loans and leases to deposits | 86.3759% | 1,653 |
| Net loans and leases to core deposits | 91.5756% | 1,833 |
| Total domestic deposits to total assets | 81.6570% | 3,503 |
| Equity capital to assets | 12.7140% | 1,321 |
| Core capital (leverage) ratio | 12.1373% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8087% | 2,286 |
| Memoranda: | ||
| Average total assets | $174,840,000 | 3,135 |
| Average earning assets | $166,643,500 | 3,087 |
| Average equity | $22,096,500 | 2,995 |
| Average total loans | $129,302,750 | 2,878 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,256 |
| Cost of funding earning assets | 0.7359% | 2,196 |
| Net interest margin | 3.6443% | 2,332 |
| Noninterest income to average assets | 1.0750% | 864 |
| Noninterest expense to average assets | 2.7105% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8337% | 471 |
| Return on assets (ROA) | 1.8429% | 506 |
| Pretax return on assets | 1.8441% | 751 |
| Return on Equity (ROE) | 14.6131% | 770 |
| Retained earnings to average equity (ytd only) | 1.9931% | 3,760 |
| Net charge-offs to loans | -0.1875% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6330% | 3,460 |
| Assets per employee ($millions) | 4.5792% | 3,679 |
| Cash dividends to net income (ytd only)* | 86.3608% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,066 |
| Loan loss allowance to noncurrent loans | 256.5022% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 2,492 |
| Noncurrent loans to loans | 0.5019% | 2,643 |
| Net loans and leases to total assets | 71.8332% | 1,743 |
| Net loans and leases to deposits | 87.5875% | 1,602 |
| Net loans and leases to core deposits | 94.6610% | 1,695 |
| Total domestic deposits to total assets | 82.0130% | 3,368 |
| Equity capital to assets | 12.1513% | 1,569 |
| Core capital (leverage) ratio | 11.9006% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8736% | 2,660 |
| Memoranda: | ||
| Average total assets | $172,659,000 | 3,139 |
| Average earning assets | $164,419,333 | 3,093 |
| Average equity | $21,775,000 | 3,005 |
| Average total loans | $129,095,667 | 2,871 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 2,001 |
| Cost of funding earning assets | 0.7981% | 2,409 |
| Net interest margin | 3.8006% | 1,971 |
| Noninterest income to average assets | 0.8220% | 1,249 |
| Noninterest expense to average assets | 2.7335% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7156% | 497 |
| Return on assets (ROA) | 1.7156% | 550 |
| Pretax return on assets | 1.7180% | 832 |
| Return on Equity (ROE) | 13.3370% | 818 |
| Retained earnings to average equity (ytd only) | -3.3807% | 4,394 |
| Net charge-offs to loans | -0.2457% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4063% | 3,564 |
| Assets per employee ($millions) | 4.2039% | 3,657 |
| Cash dividends to net income (ytd only)* | 125.3482% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,118 |
| Loan loss allowance to noncurrent loans | 249.3294% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,502 |
| Noncurrent loans to loans | 0.5238% | 2,690 |
| Net loans and leases to total assets | 75.1806% | 1,429 |
| Net loans and leases to deposits | 92.0141% | 1,282 |
| Net loans and leases to core deposits | 99.8129% | 1,486 |
| Total domestic deposits to total assets | 81.7056% | 3,495 |
| Equity capital to assets | 12.7377% | 1,599 |
| Core capital (leverage) ratio | 12.5571% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0051% | 2,696 |
| Memoranda: | ||
| Average total assets | $167,405,500 | 3,160 |
| Average earning assets | $159,870,000 | 3,113 |
| Average equity | $21,534,000 | 3,022 |
| Average total loans | $126,998,500 | 2,868 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 2,516 |
| Cost of funding earning assets | 0.8350% | 2,510 |
| Net interest margin | 3.7967% | 2,506 |
| Noninterest income to average assets | 0.8363% | 1,341 |
| Noninterest expense to average assets | 2.8188% | 2,544 |
| Loan and lease loss provision to assets | 0.1370% | 1,556 |
| Net operating income to assets | 1.4873% | 1,087 |
| Return on assets (ROA) | 1.4873% | 1,146 |
| Pretax return on assets | 1.4892% | 1,839 |
| Return on Equity (ROE) | 11.4550% | 1,712 |
| Retained earnings to average equity (ytd only) | 0.4269% | 4,569 |
| Net charge-offs to loans | -0.0874% | 4,934 |
| Credit loss provision to net charge-offs | -206.4220% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4146% | 3,161 |
| Assets per employee ($millions) | 4.1664% | 3,675 |
| Cash dividends to net income (ytd only)* | 96.2735% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,079 |
| Loan loss allowance to noncurrent loans | 224.0169% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,309 |
| Noncurrent loans to loans | 0.5655% | 2,485 |
| Net loans and leases to total assets | 74.5902% | 1,655 |
| Net loans and leases to deposits | 92.0330% | 1,366 |
| Net loans and leases to core deposits | 99.9590% | 1,567 |
| Total domestic deposits to total assets | 81.0472% | 3,759 |
| Equity capital to assets | 12.9902% | 1,527 |
| Core capital (leverage) ratio | 12.6358% | 1,414 |
| Tier 1 risk-based capital ratio | 12.4242% | 4,121 |
| Total risk-based capital ratio | 13.3620% | 4,182 |
| Memoranda: | ||
| Average total assets | $164,184,800 | 3,164 |
| Average earning assets | $156,056,000 | 3,123 |
| Average equity | $21,318,200 | 3,016 |
| Average total loans | $124,650,600 | 2,884 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 2,509 |
| Cost of funding earning assets | 0.8166% | 2,629 |
| Net interest margin | 3.8512% | 2,426 |
| Noninterest income to average assets | 0.7891% | 1,449 |
| Noninterest expense to average assets | 2.8310% | 2,465 |
| Loan and lease loss provision to assets | 0.1834% | 986 |
| Net operating income to assets | 1.4281% | 1,391 |
| Return on assets (ROA) | 1.4281% | 1,444 |
| Pretax return on assets | 1.4306% | 2,188 |
| Return on Equity (ROE) | 11.0002% | 2,014 |
| Retained earnings to average equity (ytd only) | 3.2209% | 3,797 |
| Net charge-offs to loans | -0.0847% | 4,962 |
| Credit loss provision to net charge-offs | -284.8101% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6897% | 3,064 |
| Assets per employee ($millions) | 4.1325% | 3,704 |
| Cash dividends to net income (ytd only)* | 70.7193% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,329 |
| Loan loss allowance to noncurrent loans | 217.3611% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 2,400 |
| Noncurrent loans to loans | 0.5664% | 2,599 |
| Net loans and leases to total assets | 75.9540% | 1,491 |
| Net loans and leases to deposits | 93.7949% | 1,239 |
| Net loans and leases to core deposits | 102.3461% | 1,469 |
| Total domestic deposits to total assets | 80.9788% | 3,762 |
| Equity capital to assets | 13.3382% | 1,439 |
| Core capital (leverage) ratio | 13.1521% | 1,277 |
| Tier 1 risk-based capital ratio | 12.7222% | 4,013 |
| Total risk-based capital ratio | 13.6459% | 4,080 |
| Memoranda: | ||
| Average total assets | $163,567,000 | 3,202 |
| Average earning assets | $155,271,000 | 3,163 |
| Average equity | $21,235,500 | 3,046 |
| Average total loans | $124,337,250 | 2,916 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,917 |
| Cost of funding earning assets | 0.8043% | 2,621 |
| Net interest margin | 3.7248% | 2,861 |
| Noninterest income to average assets | 0.7154% | 1,654 |
| Noninterest expense to average assets | 2.8677% | 2,361 |
| Loan and lease loss provision to assets | 0.2761% | 536 |
| Net operating income to assets | 1.1080% | 2,493 |
| Return on assets (ROA) | 1.1080% | 2,564 |
| Pretax return on assets | 1.1117% | 3,198 |
| Return on Equity (ROE) | 8.6145% | 3,020 |
| Retained earnings to average equity (ytd only) | -0.7536% | 4,797 |
| Net charge-offs to loans | -0.0648% | 4,898 |
| Credit loss provision to net charge-offs | -562.5000% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3875% | 2,626 |
| Assets per employee ($millions) | 4.0772% | 3,768 |
| Cash dividends to net income (ytd only)* | 108.7486% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,452 |
| Loan loss allowance to noncurrent loans | 169.7442% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,083 |
| Noncurrent loans to loans | 0.7150% | 2,196 |
| Net loans and leases to total assets | 76.1632% | 1,518 |
| Net loans and leases to deposits | 93.6425% | 1,293 |
| Net loans and leases to core deposits | 104.8034% | 1,313 |
| Total domestic deposits to total assets | 81.3340% | 3,715 |
| Equity capital to assets | 13.1021% | 1,541 |
| Core capital (leverage) ratio | 12.9540% | 1,318 |
| Tier 1 risk-based capital ratio | 12.6336% | 4,054 |
| Total risk-based capital ratio | 13.5533% | 4,107 |
| Memoranda: | ||
| Average total assets | $162,989,330 | 3,224 |
| Average earning assets | $154,908,000 | 3,182 |
| Average equity | $20,964,670 | 3,060 |
| Average total loans | $123,410,670 | 2,943 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,098 |
| Cost of funding earning assets | 0.7505% | 2,790 |
| Net interest margin | 3.6850% | 2,948 |
| Noninterest income to average assets | 0.6800% | 1,687 |
| Noninterest expense to average assets | 2.8845% | 2,317 |
| Loan and lease loss provision to assets | 0.3682% | 316 |
| Net operating income to assets | 0.9157% | 3,177 |
| Return on assets (ROA) | 0.9157% | 3,215 |
| Pretax return on assets | 0.9230% | 3,686 |
| Return on Equity (ROE) | 7.1859% | 3,597 |
| Retained earnings to average equity (ytd only) | -10.1527% | 5,110 |
| Net charge-offs to loans | -0.0393% | 4,758 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0770% | 2,491 |
| Assets per employee ($millions) | 3.9270% | 4,035 |
| Cash dividends to net income (ytd only)* | 241.2869% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,739 |
| Loan loss allowance to noncurrent loans | 141.7331% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,980 |
| Noncurrent loans to loans | 0.8257% | 1,991 |
| Net loans and leases to total assets | 72.8582% | 2,012 |
| Net loans and leases to deposits | 89.2586% | 1,718 |
| Net loans and leases to core deposits | 98.8899% | 1,716 |
| Total domestic deposits to total assets | 81.6260% | 3,823 |
| Equity capital to assets | 12.5226% | 1,727 |
| Core capital (leverage) ratio | 12.7056% | 1,398 |
| Tier 1 risk-based capital ratio | 12.7425% | 4,013 |
| Total risk-based capital ratio | 13.6264% | 4,114 |
| Memoranda: | ||
| Average total assets | $162,940,000 | 3,263 |
| Average earning assets | $154,571,500 | 3,218 |
| Average equity | $20,763,000 | 3,088 |
| Average total loans | $122,246,500 | 2,991 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,923 |
| Cost of funding earning assets | 0.6425% | 2,445 |
| Net interest margin | 3.7094% | 2,999 |
| Noninterest income to average assets | 0.8683% | 1,269 |
| Noninterest expense to average assets | 2.7770% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6037% | 859 |
| Return on assets (ROA) | 1.6037% | 849 |
| Pretax return on assets | 1.6062% | 1,454 |
| Return on Equity (ROE) | 12.8079% | 1,422 |
| Retained earnings to average equity (ytd only) | 6.5260% | 1,911 |
| Net charge-offs to loans | 0.1407% | 1,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.0585% | 2,346 |
| Efficiency ratio | 63.3556% | 3,280 |
| Assets per employee ($millions) | 3.9255% | 4,001 |
| Cash dividends to net income (ytd only)* | 49.0471% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,520 |
| Loan loss allowance to noncurrent loans | 140.7366% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,072 |
| Noncurrent loans to loans | 0.7290% | 2,167 |
| Net loans and leases to total assets | 75.5788% | 1,677 |
| Net loans and leases to deposits | 93.8212% | 1,306 |
| Net loans and leases to core deposits | 103.1582% | 1,494 |
| Total domestic deposits to total assets | 80.5562% | 3,985 |
| Equity capital to assets | 12.9683% | 1,357 |
| Core capital (leverage) ratio | 13.1790% | 1,182 |
| Tier 1 risk-based capital ratio | 13.0824% | 3,797 |
| Total risk-based capital ratio | 13.8664% | 3,948 |
| Memoranda: | ||
| Average total assets | $160,318,800 | 3,276 |
| Average earning assets | $151,913,000 | 3,224 |
| Average equity | $20,073,600 | 3,082 |
| Average total loans | $121,562,600 | 2,975 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,970 |
| Cost of funding earning assets | 0.6164% | 2,363 |
| Net interest margin | 3.6816% | 3,081 |
| Noninterest income to average assets | 0.8999% | 1,202 |
| Noninterest expense to average assets | 2.7863% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5958% | 969 |
| Return on assets (ROA) | 1.5958% | 974 |
| Pretax return on assets | 1.5992% | 1,582 |
| Return on Equity (ROE) | 12.8607% | 1,482 |
| Retained earnings to average equity (ytd only) | 5.5951% | 2,890 |
| Net charge-offs to loans | -0.0110% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5345% | 3,265 |
| Assets per employee ($millions) | 3.8920% | 4,052 |
| Cash dividends to net income (ytd only)* | 56.4943% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,714 |
| Loan loss allowance to noncurrent loans | 103.0000% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 1,590 |
| Noncurrent loans to loans | 1.1501% | 1,473 |
| Net loans and leases to total assets | 75.3815% | 1,754 |
| Net loans and leases to deposits | 92.5100% | 1,561 |
| Net loans and leases to core deposits | 101.9580% | 1,617 |
| Total domestic deposits to total assets | 81.4847% | 3,742 |
| Equity capital to assets | 12.6627% | 1,489 |
| Core capital (leverage) ratio | 13.0400% | 1,266 |
| Tier 1 risk-based capital ratio | 12.9970% | 3,909 |
| Total risk-based capital ratio | 13.9083% | 4,007 |
| Memoranda: | ||
| Average total assets | $160,162,000 | 3,300 |
| Average earning assets | $151,632,000 | 3,254 |
| Average equity | $19,874,000 | 3,124 |
| Average total loans | $121,227,750 | 3,009 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,861 |
| Cost of funding earning assets | 0.6043% | 2,201 |
| Net interest margin | 3.6680% | 3,052 |
| Noninterest income to average assets | 0.8755% | 1,253 |
| Noninterest expense to average assets | 2.6877% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6688% | 772 |
| Return on assets (ROA) | 1.6688% | 781 |
| Pretax return on assets | 1.6700% | 1,299 |
| Return on Equity (ROE) | 13.5402% | 1,194 |
| Retained earnings to average equity (ytd only) | 7.0737% | 2,042 |
| Net charge-offs to loans | -0.0330% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6772% | 3,668 |
| Assets per employee ($millions) | 3.9584% | 3,973 |
| Cash dividends to net income (ytd only)* | 47.7578% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,676 |
| Loan loss allowance to noncurrent loans | 98.2409% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 1,614 |
| Noncurrent loans to loans | 1.2272% | 1,410 |
| Net loans and leases to total assets | 75.1446% | 1,769 |
| Net loans and leases to deposits | 92.4160% | 1,530 |
| Net loans and leases to core deposits | 104.0799% | 1,394 |
| Total domestic deposits to total assets | 81.3113% | 3,909 |
| Equity capital to assets | 12.7570% | 1,418 |
| Core capital (leverage) ratio | 12.8852% | 1,279 |
| Tier 1 risk-based capital ratio | 13.2569% | 3,756 |
| Total risk-based capital ratio | 14.1991% | 3,841 |
| Memoranda: | ||
| Average total assets | $160,359,000 | 3,319 |
| Average earning assets | $152,233,670 | 3,261 |
| Average equity | $19,763,330 | 3,151 |
| Average total loans | $121,060,670 | 3,025 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 3,111 |
| Cost of funding earning assets | 0.5890% | 2,121 |
| Net interest margin | 3.5445% | 3,367 |
| Noninterest income to average assets | 0.7982% | 1,459 |
| Noninterest expense to average assets | 2.7861% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3658% | 1,439 |
| Return on assets (ROA) | 1.3658% | 1,452 |
| Pretax return on assets | 1.3683% | 2,111 |
| Return on Equity (ROE) | 11.2763% | 1,860 |
| Retained earnings to average equity (ytd only) | -1.8009% | 4,993 |
| Net charge-offs to loans | -0.0198% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0644% | 2,994 |
| Assets per employee ($millions) | 4.0127% | 3,954 |
| Cash dividends to net income (ytd only)* | 115.9710% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,784 |
| Loan loss allowance to noncurrent loans | 92.2386% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 1,624 |
| Noncurrent loans to loans | 1.3048% | 1,369 |
| Net loans and leases to total assets | 73.5443% | 1,936 |
| Net loans and leases to deposits | 90.5752% | 1,620 |
| Net loans and leases to core deposits | 101.6184% | 1,566 |
| Total domestic deposits to total assets | 81.1970% | 4,155 |
| Equity capital to assets | 12.0824% | 1,724 |
| Core capital (leverage) ratio | 12.2692% | 1,493 |
| Tier 1 risk-based capital ratio | 12.9176% | 3,995 |
| Total risk-based capital ratio | 13.8632% | 4,071 |
| Memoranda: | ||
| Average total assets | $161,370,500 | 3,336 |
| Average earning assets | $152,799,500 | 3,289 |
| Average equity | $19,545,500 | 3,195 |
| Average total loans | $121,374,500 | 3,043 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,226 |
| Cost of funding earning assets | 0.5482% | 1,965 |
| Net interest margin | 3.5067% | 3,504 |
| Noninterest income to average assets | 0.7430% | 1,797 |
| Noninterest expense to average assets | 2.7539% | 2,941 |
| Loan and lease loss provision to assets | 0.0158% | 3,975 |
| Net operating income to assets | 1.3111% | 1,201 |
| Return on assets (ROA) | 1.3111% | 1,216 |
| Pretax return on assets | 1.3117% | 2,304 |
| Return on Equity (ROE) | 10.8167% | 1,547 |
| Retained earnings to average equity (ytd only) | 4.6245% | 2,375 |
| Net charge-offs to loans | -0.0091% | 4,767 |
| Credit loss provision to net charge-offs | -227.2727% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4736% | 3,003 |
| Assets per employee ($millions) | 3.9570% | 4,037 |
| Cash dividends to net income (ytd only)* | 57.2464% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,999 |
| Loan loss allowance to noncurrent loans | 99.8605% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 1,761 |
| Noncurrent loans to loans | 1.1633% | 1,526 |
| Net loans and leases to total assets | 75.0985% | 1,737 |
| Net loans and leases to deposits | 92.5651% | 1,438 |
| Net loans and leases to core deposits | 103.2981% | 1,463 |
| Total domestic deposits to total assets | 81.1305% | 4,091 |
| Equity capital to assets | 12.1416% | 1,736 |
| Core capital (leverage) ratio | 12.3688% | 1,413 |
| Tier 1 risk-based capital ratio | 13.1112% | 3,843 |
| Total risk-based capital ratio | 14.0627% | 3,924 |
| Memoranda: | ||
| Average total assets | $157,883,400 | 3,380 |
| Average earning assets | $150,311,200 | 3,320 |
| Average equity | $19,137,000 | 3,227 |
| Average total loans | $120,758,400 | 3,051 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,217 |
| Cost of funding earning assets | 0.5275% | 2,057 |
| Net interest margin | 3.5113% | 3,465 |
| Noninterest income to average assets | 0.7185% | 1,917 |
| Noninterest expense to average assets | 2.8129% | 2,686 |
| Loan and lease loss provision to assets | 0.0213% | 3,724 |
| Net operating income to assets | 1.2347% | 1,562 |
| Return on assets (ROA) | 1.2347% | 1,589 |
| Pretax return on assets | 1.2355% | 2,764 |
| Return on Equity (ROE) | 10.1910% | 2,040 |
| Retained earnings to average equity (ytd only) | 3.4742% | 3,854 |
| Net charge-offs to loans | -0.0011% | 4,277 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1183% | 2,686 |
| Assets per employee ($millions) | 3.7945% | 4,313 |
| Cash dividends to net income (ytd only)* | 65.9092% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,095 |
| Loan loss allowance to noncurrent loans | 84.3416% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 1,541 |
| Noncurrent loans to loans | 1.3856% | 1,353 |
| Net loans and leases to total assets | 77.2986% | 1,383 |
| Net loans and leases to deposits | 96.0274% | 1,111 |
| Net loans and leases to core deposits | 107.0702% | 1,197 |
| Total domestic deposits to total assets | 80.4963% | 4,213 |
| Equity capital to assets | 12.5334% | 1,645 |
| Core capital (leverage) ratio | 12.4045% | 1,455 |
| Tier 1 risk-based capital ratio | 13.3137% | 3,813 |
| Total risk-based capital ratio | 14.2926% | 3,892 |
| Memoranda: | ||
| Average total assets | $156,795,500 | 3,419 |
| Average earning assets | $149,645,750 | 3,356 |
| Average equity | $18,996,750 | 3,275 |
| Average total loans | $120,131,000 | 3,081 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,264 |
| Cost of funding earning assets | 0.5185% | 2,025 |
| Net interest margin | 3.4648% | 3,524 |
| Noninterest income to average assets | 0.6387% | 2,264 |
| Noninterest expense to average assets | 2.7519% | 2,924 |
| Loan and lease loss provision to assets | 0.0318% | 3,361 |
| Net operating income to assets | 1.1692% | 1,706 |
| Return on assets (ROA) | 1.1692% | 1,746 |
| Pretax return on assets | 1.1705% | 2,893 |
| Return on Equity (ROE) | 9.7614% | 2,144 |
| Retained earnings to average equity (ytd only) | 1.5508% | 4,627 |
| Net charge-offs to loans | 0.0234% | 2,758 |
| Credit loss provision to net charge-offs | 178.5714% | 1,362 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 865 |
| Efficiency ratio | 69.5946% | 2,752 |
| Assets per employee ($millions) | 3.8799% | 4,159 |
| Cash dividends to net income (ytd only)* | 84.1132% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,219 |
| Loan loss allowance to noncurrent loans | 87.7182% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 1,695 |
| Noncurrent loans to loans | 1.3275% | 1,460 |
| Net loans and leases to total assets | 76.9509% | 1,386 |
| Net loans and leases to deposits | 96.1120% | 1,068 |
| Net loans and leases to core deposits | 104.6092% | 1,317 |
| Total domestic deposits to total assets | 80.0638% | 4,394 |
| Equity capital to assets | 12.3548% | 1,700 |
| Core capital (leverage) ratio | 12.2069% | 1,530 |
| Tier 1 risk-based capital ratio | 13.6798% | 3,600 |
| Total risk-based capital ratio | 14.6933% | 3,641 |
| Memoranda: | ||
| Average total assets | $157,202,000 | 3,428 |
| Average earning assets | $150,425,330 | 3,363 |
| Average equity | $18,829,330 | 3,299 |
| Average total loans | $119,614,670 | 3,102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 3,437 |
| Cost of funding earning assets | 0.4969% | 2,113 |
| Net interest margin | 3.3913% | 3,678 |
| Noninterest income to average assets | 0.5916% | 2,454 |
| Noninterest expense to average assets | 2.8115% | 2,750 |
| Loan and lease loss provision to assets | 0.0632% | 2,541 |
| Net operating income to assets | 0.9582% | 2,488 |
| Return on assets (ROA) | 0.9582% | 2,546 |
| Pretax return on assets | 0.9608% | 3,541 |
| Return on Equity (ROE) | 8.1256% | 2,855 |
| Retained earnings to average equity (ytd only) | -5.3599% | 5,406 |
| Net charge-offs to loans | 0.0034% | 2,855 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 142 |
| Efficiency ratio | 73.3026% | 2,356 |
| Assets per employee ($millions) | 3.9330% | 4,124 |
| Cash dividends to net income (ytd only)* | 165.9631% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,139 |
| Loan loss allowance to noncurrent loans | 71.1067% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 1,347 |
| Noncurrent loans to loans | 1.6873% | 1,141 |
| Net loans and leases to total assets | 74.3308% | 1,687 |
| Net loans and leases to deposits | 91.8356% | 1,346 |
| Net loans and leases to core deposits | 103.1099% | 1,284 |
| Total domestic deposits to total assets | 80.9390% | 4,424 |
| Equity capital to assets | 11.8293% | 1,957 |
| Core capital (leverage) ratio | 11.8453% | 1,721 |
| Tier 1 risk-based capital ratio | 13.5256% | 3,765 |
| Total risk-based capital ratio | 14.5585% | 3,802 |
| Memoranda: | ||
| Average total assets | $158,205,500 | 3,450 |
| Average earning assets | $151,328,000 | 3,385 |
| Average equity | $18,657,000 | 3,326 |
| Average total loans | $119,006,500 | 3,121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,101 |
| Cost of funding earning assets | 0.5378% | 1,806 |
| Net interest margin | 3.4904% | 3,468 |
| Noninterest income to average assets | 0.6668% | 2,336 |
| Noninterest expense to average assets | 2.7915% | 3,052 |
| Loan and lease loss provision to assets | 0.0321% | 3,712 |
| Net operating income to assets | 1.1945% | 1,532 |
| Return on assets (ROA) | 1.1945% | 1,617 |
| Pretax return on assets | 1.1970% | 2,686 |
| Return on Equity (ROE) | 10.0024% | 1,955 |
| Retained earnings to average equity (ytd only) | 3.8979% | 3,151 |
| Net charge-offs to loans | 0.0379% | 3,271 |
| Credit loss provision to net charge-offs | 113.6364% | 2,314 |
| Earnings coverage of net charge-offs (x) | 43.5682% | 1,107 |
| Efficiency ratio | 69.4307% | 3,003 |
| Assets per employee ($millions) | 3.9773% | 4,011 |
| Cash dividends to net income (ytd only)* | 61.0306% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,326 |
| Loan loss allowance to noncurrent loans | 66.3183% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3269% | 1,315 |
| Noncurrent loans to loans | 1.7592% | 1,084 |
| Net loans and leases to total assets | 74.3347% | 1,790 |
| Net loans and leases to deposits | 91.8231% | 1,475 |
| Net loans and leases to core deposits | 102.9010% | 1,369 |
| Total domestic deposits to total assets | 80.9542% | 4,348 |
| Equity capital to assets | 11.7569% | 1,964 |
| Core capital (leverage) ratio | 12.0045% | 1,597 |
| Tier 1 risk-based capital ratio | 13.7188% | 3,639 |
| Total risk-based capital ratio | 14.7350% | 3,676 |
| Memoranda: | ||
| Average total assets | $155,970,800 | 3,438 |
| Average earning assets | $149,868,200 | 3,371 |
| Average equity | $18,625,600 | 3,324 |
| Average total loans | $116,206,800 | 3,124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,006 |
| Cost of funding earning assets | 0.5393% | 1,798 |
| Net interest margin | 3.5199% | 3,394 |
| Noninterest income to average assets | 0.6478% | 2,432 |
| Noninterest expense to average assets | 2.7759% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2561% | 1,432 |
| Return on assets (ROA) | 1.2561% | 1,538 |
| Pretax return on assets | 1.2586% | 2,582 |
| Return on Equity (ROE) | 10.4766% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.2677% | 3,946 |
| Net charge-offs to loans | -0.0046% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8032% | 3,079 |
| Assets per employee ($millions) | 3.7277% | 4,424 |
| Cash dividends to net income (ytd only)* | 68.8100% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,149 |
| Loan loss allowance to noncurrent loans | 64.3286% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 1,335 |
| Noncurrent loans to loans | 1.8875% | 1,064 |
| Net loans and leases to total assets | 72.4370% | 2,125 |
| Net loans and leases to deposits | 90.3299% | 1,710 |
| Net loans and leases to core deposits | 103.1544% | 1,405 |
| Total domestic deposits to total assets | 80.1916% | 4,471 |
| Equity capital to assets | 12.1036% | 2,037 |
| Core capital (leverage) ratio | 11.8585% | 1,779 |
| Tier 1 risk-based capital ratio | 13.8183% | 3,657 |
| Total risk-based capital ratio | 14.8553% | 3,710 |
| Memoranda: | ||
| Average total assets | $155,191,000 | 3,463 |
| Average earning assets | $149,316,750 | 3,395 |
| Average equity | $18,606,000 | 3,356 |
| Average total loans | $115,344,750 | 3,145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,052 |
| Cost of funding earning assets | 0.5437% | 1,750 |
| Net interest margin | 3.5096% | 3,456 |
| Noninterest income to average assets | 0.5842% | 2,700 |
| Noninterest expense to average assets | 2.7389% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2150% | 1,546 |
| Return on assets (ROA) | 1.2150% | 1,642 |
| Pretax return on assets | 1.2163% | 2,716 |
| Return on Equity (ROE) | 10.1669% | 1,974 |
| Retained earnings to average equity (ytd only) | 1.3952% | 4,820 |
| Net charge-offs to loans | -0.0035% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2484% | 3,105 |
| Assets per employee ($millions) | 3.8542% | 4,161 |
| Cash dividends to net income (ytd only)* | 86.2766% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,357 |
| Loan loss allowance to noncurrent loans | 59.4110% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 1,232 |
| Noncurrent loans to loans | 2.0207% | 983 |
| Net loans and leases to total assets | 74.3055% | 1,779 |
| Net loans and leases to deposits | 93.2563% | 1,370 |
| Net loans and leases to core deposits | 108.2330% | 1,027 |
| Total domestic deposits to total assets | 79.6788% | 4,633 |
| Equity capital to assets | 12.1652% | 2,001 |
| Core capital (leverage) ratio | 11.7936% | 1,780 |
| Tier 1 risk-based capital ratio | 13.7171% | 3,760 |
| Total risk-based capital ratio | 14.7642% | 3,802 |
| Memoranda: | ||
| Average total assets | $154,733,000 | 3,489 |
| Average earning assets | $148,621,000 | 3,423 |
| Average equity | $18,491,330 | 3,376 |
| Average total loans | $115,524,670 | 3,152 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,351 |
| Cost of funding earning assets | 0.5227% | 1,920 |
| Net interest margin | 3.4416% | 3,706 |
| Noninterest income to average assets | 0.5728% | 2,664 |
| Noninterest expense to average assets | 2.8978% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9857% | 2,345 |
| Return on assets (ROA) | 0.9857% | 2,459 |
| Pretax return on assets | 0.9883% | 3,521 |
| Return on Equity (ROE) | 8.3227% | 2,750 |
| Retained earnings to average equity (ytd only) | -6.6015% | 5,699 |
| Net charge-offs to loans | -0.0069% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5684% | 2,392 |
| Assets per employee ($millions) | 3.8027% | 4,293 |
| Cash dividends to net income (ytd only)* | 179.3194% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,365 |
| Loan loss allowance to noncurrent loans | 55.6355% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6599% | 1,181 |
| Noncurrent loans to loans | 2.1910% | 936 |
| Net loans and leases to total assets | 72.3507% | 1,976 |
| Net loans and leases to deposits | 90.4768% | 1,519 |
| Net loans and leases to core deposits | 105.1453% | 1,131 |
| Total domestic deposits to total assets | 79.9660% | 4,752 |
| Equity capital to assets | 11.6888% | 2,255 |
| Core capital (leverage) ratio | 11.6967% | 1,831 |
| Tier 1 risk-based capital ratio | 13.6732% | 3,886 |
| Total risk-based capital ratio | 14.7415% | 3,912 |
| Memoranda: | ||
| Average total assets | $155,015,000 | 3,506 |
| Average earning assets | $149,232,000 | 3,429 |
| Average equity | $18,359,500 | 3,390 |
| Average total loans | $115,313,000 | 3,154 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,017 |
| Cost of funding earning assets | 0.5494% | 1,762 |
| Net interest margin | 3.5276% | 3,422 |
| Noninterest income to average assets | 0.6292% | 2,563 |
| Noninterest expense to average assets | 2.7181% | 3,523 |
| Loan and lease loss provision to assets | 0.0164% | 4,083 |
| Net operating income to assets | 1.2734% | 1,336 |
| Return on assets (ROA) | 1.2734% | 1,386 |
| Pretax return on assets | 1.2753% | 2,380 |
| Return on Equity (ROE) | 10.8470% | 1,664 |
| Retained earnings to average equity (ytd only) | 4.3399% | 2,892 |
| Net charge-offs to loans | 0.0062% | 4,236 |
| Credit loss provision to net charge-offs | 357.1429% | 831 |
| Earnings coverage of net charge-offs (x) | 282.1429% | 255 |
| Efficiency ratio | 67.7867% | 3,602 |
| Assets per employee ($millions) | 3.8530% | 4,205 |
| Cash dividends to net income (ytd only)* | 59.9897% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 3,524 |
| Loan loss allowance to noncurrent loans | 54.4244% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7305% | 1,107 |
| Noncurrent loans to loans | 2.1936% | 905 |
| Net loans and leases to total assets | 74.6444% | 1,622 |
| Net loans and leases to deposits | 92.5519% | 1,343 |
| Net loans and leases to core deposits | 107.4787% | 1,001 |
| Total domestic deposits to total assets | 80.6514% | 4,579 |
| Equity capital to assets | 12.0004% | 1,950 |
| Core capital (leverage) ratio | 11.7547% | 1,778 |
| Tier 1 risk-based capital ratio | 13.7178% | 3,879 |
| Total risk-based capital ratio | 14.7701% | 3,932 |
| Memoranda: | ||
| Average total assets | $152,901,800 | 3,529 |
| Average earning assets | $146,528,200 | 3,450 |
| Average equity | $17,949,600 | 3,388 |
| Average total loans | $113,213,600 | 3,145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,013 |
| Cost of funding earning assets | 0.5487% | 1,815 |
| Net interest margin | 3.5331% | 3,418 |
| Noninterest income to average assets | 0.6300% | 2,586 |
| Noninterest expense to average assets | 2.7444% | 3,409 |
| Loan and lease loss provision to assets | 0.0218% | 3,837 |
| Net operating income to assets | 1.2433% | 1,517 |
| Return on assets (ROA) | 1.2433% | 1,570 |
| Pretax return on assets | 1.2451% | 2,629 |
| Return on Equity (ROE) | 10.6510% | 1,842 |
| Retained earnings to average equity (ytd only) | 2.9490% | 4,351 |
| Net charge-offs to loans | -0.0047% | 4,821 |
| Credit loss provision to net charge-offs | -625.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4165% | 3,465 |
| Assets per employee ($millions) | 3.9376% | 3,998 |
| Cash dividends to net income (ytd only)* | 72.3121% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 3,536 |
| Loan loss allowance to noncurrent loans | 53.0079% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 1,221 |
| Noncurrent loans to loans | 2.3059% | 926 |
| Net loans and leases to total assets | 73.7268% | 1,784 |
| Net loans and leases to deposits | 91.3610% | 1,482 |
| Net loans and leases to core deposits | 105.9577% | 1,101 |
| Total domestic deposits to total assets | 80.6983% | 4,550 |
| Equity capital to assets | 11.7922% | 2,271 |
| Core capital (leverage) ratio | 11.6585% | 1,916 |
| Tier 1 risk-based capital ratio | 13.6106% | 4,076 |
| Total risk-based capital ratio | 14.6857% | 4,098 |
| Memoranda: | ||
| Average total assets | $152,597,250 | 3,558 |
| Average earning assets | $146,043,500 | 3,489 |
| Average equity | $17,813,250 | 3,434 |
| Average total loans | $112,409,000 | 3,194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,132 |
| Cost of funding earning assets | 0.5504% | 1,807 |
| Net interest margin | 3.4878% | 3,549 |
| Noninterest income to average assets | 0.6331% | 2,563 |
| Noninterest expense to average assets | 2.7293% | 3,495 |
| Loan and lease loss provision to assets | 0.0328% | 3,464 |
| Net operating income to assets | 1.2070% | 1,577 |
| Return on assets (ROA) | 1.2070% | 1,660 |
| Pretax return on assets | 1.2083% | 2,743 |
| Return on Equity (ROE) | 10.3756% | 1,905 |
| Retained earnings to average equity (ytd only) | 1.2306% | 5,067 |
| Net charge-offs to loans | -0.0054% | 4,755 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7397% | 3,547 |
| Assets per employee ($millions) | 3.8930% | 4,087 |
| Cash dividends to net income (ytd only)* | 88.1393% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 3,653 |
| Loan loss allowance to noncurrent loans | 51.6796% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.8337% | 1,249 |
| Noncurrent loans to loans | 2.3663% | 983 |
| Net loans and leases to total assets | 74.4808% | 1,586 |
| Net loans and leases to deposits | 92.2922% | 1,339 |
| Net loans and leases to core deposits | 107.6449% | 979 |
| Total domestic deposits to total assets | 80.7011% | 4,692 |
| Equity capital to assets | 11.6593% | 2,282 |
| Core capital (leverage) ratio | 11.3182% | 2,148 |
| Tier 1 risk-based capital ratio | 13.2876% | 4,355 |
| Total risk-based capital ratio | 14.3690% | 4,361 |
| Memoranda: | ||
| Average total assets | $152,274,000 | 3,594 |
| Average earning assets | $145,706,670 | 3,519 |
| Average equity | $17,714,670 | 3,467 |
| Average total loans | $111,671,670 | 3,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,340 |
| Cost of funding earning assets | 0.5384% | 1,939 |
| Net interest margin | 3.4310% | 3,709 |
| Noninterest income to average assets | 0.6216% | 2,541 |
| Noninterest expense to average assets | 2.6597% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2354% | 1,446 |
| Return on assets (ROA) | 1.2354% | 1,533 |
| Pretax return on assets | 1.2381% | 2,515 |
| Return on Equity (ROE) | 10.6315% | 1,755 |
| Retained earnings to average equity (ytd only) | -3.9275% | 5,854 |
| Net charge-offs to loans | -0.0036% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2369% | 3,785 |
| Assets per employee ($millions) | 3.9254% | 4,112 |
| Cash dividends to net income (ytd only)* | 136.9427% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 3,772 |
| Loan loss allowance to noncurrent loans | 50.6455% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8362% | 1,330 |
| Noncurrent loans to loans | 2.4355% | 1,002 |
| Net loans and leases to total assets | 71.8141% | 1,836 |
| Net loans and leases to deposits | 88.9454% | 1,512 |
| Net loans and leases to core deposits | 103.1177% | 1,112 |
| Total domestic deposits to total assets | 80.7396% | 4,873 |
| Equity capital to assets | 11.5317% | 2,439 |
| Core capital (leverage) ratio | 11.2289% | 2,208 |
| Tier 1 risk-based capital ratio | 13.6842% | 4,235 |
| Total risk-based capital ratio | 14.7943% | 4,218 |
| Memoranda: | ||
| Average total assets | $152,497,500 | 3,616 |
| Average earning assets | $145,615,500 | 3,543 |
| Average equity | $17,721,000 | 3,493 |
| Average total loans | $110,266,500 | 3,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,515 |
| Cost of funding earning assets | 0.6214% | 1,600 |
| Net interest margin | 3.4310% | 4,061 |
| Noninterest income to average assets | 0.6140% | 2,778 |
| Noninterest expense to average assets | 2.7151% | 3,812 |
| Loan and lease loss provision to assets | 0.0339% | 3,913 |
| Net operating income to assets | 1.1522% | 1,766 |
| Return on assets (ROA) | 1.1542% | 1,819 |
| Pretax return on assets | 1.1563% | 2,847 |
| Return on Equity (ROE) | 9.8182% | 2,189 |
| Retained earnings to average equity (ytd only) | 2.5540% | 4,419 |
| Net charge-offs to loans | -0.0047% | 5,459 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5607% | 3,618 |
| Assets per employee ($millions) | 3.9975% | 3,963 |
| Cash dividends to net income (ytd only)* | 73.9871% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,688 |
| Loan loss allowance to noncurrent loans | 50.6647% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 1,405 |
| Noncurrent loans to loans | 2.4794% | 1,032 |
| Net loans and leases to total assets | 70.9968% | 2,076 |
| Net loans and leases to deposits | 87.1864% | 1,829 |
| Net loans and leases to core deposits | 100.3424% | 1,374 |
| Total domestic deposits to total assets | 81.4310% | 4,618 |
| Equity capital to assets | 11.7100% | 2,245 |
| Core capital (leverage) ratio | 11.6103% | 1,892 |
| Tier 1 risk-based capital ratio | 13.0393% | 4,706 |
| Total risk-based capital ratio | 14.0724% | 4,756 |
| Memoranda: | ||
| Average total assets | $147,545,600 | 3,670 |
| Average earning assets | $141,446,000 | 3,578 |
| Average equity | $17,345,400 | 3,480 |
| Average total loans | $107,262,400 | 3,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,484 |
| Cost of funding earning assets | 0.6323% | 1,581 |
| Net interest margin | 3.4378% | 4,081 |
| Noninterest income to average assets | 0.5845% | 2,967 |
| Noninterest expense to average assets | 2.6984% | 3,830 |
| Loan and lease loss provision to assets | 0.0455% | 3,480 |
| Net operating income to assets | 1.1352% | 1,915 |
| Return on assets (ROA) | 1.1380% | 1,969 |
| Pretax return on assets | 1.1398% | 3,032 |
| Return on Equity (ROE) | 9.6702% | 2,362 |
| Retained earnings to average equity (ytd only) | 1.2068% | 5,410 |
| Net charge-offs to loans | -0.0050% | 5,297 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5285% | 3,588 |
| Assets per employee ($millions) | 3.8010% | 4,289 |
| Cash dividends to net income (ytd only)* | 87.5197% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 3,966 |
| Loan loss allowance to noncurrent loans | 49.2103% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 1,483 |
| Noncurrent loans to loans | 2.5360% | 1,150 |
| Net loans and leases to total assets | 73.1830% | 1,650 |
| Net loans and leases to deposits | 90.1398% | 1,413 |
| Net loans and leases to core deposits | 104.4330% | 1,076 |
| Total domestic deposits to total assets | 81.1884% | 4,772 |
| Equity capital to assets | 11.8957% | 2,159 |
| Core capital (leverage) ratio | 11.5503% | 2,024 |
| Tier 1 risk-based capital ratio | 13.2204% | 4,718 |
| Total risk-based capital ratio | 14.2856% | 4,767 |
| Memoranda: | ||
| Average total assets | $146,456,000 | 3,719 |
| Average earning assets | $140,433,500 | 3,623 |
| Average equity | $17,234,750 | 3,507 |
| Average total loans | $106,773,250 | 3,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,708 |
| Cost of funding earning assets | 0.6441% | 1,554 |
| Net interest margin | 3.3623% | 4,345 |
| Noninterest income to average assets | 0.5224% | 3,320 |
| Noninterest expense to average assets | 2.7766% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9653% | 2,475 |
| Return on assets (ROA) | 0.9653% | 2,566 |
| Pretax return on assets | 0.9667% | 3,619 |
| Return on Equity (ROE) | 8.2331% | 2,967 |
| Retained earnings to average equity (ytd only) | -2.5845% | 6,059 |
| Net charge-offs to loans | -0.0057% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1758% | 2,947 |
| Assets per employee ($millions) | 3.7624% | 4,330 |
| Cash dividends to net income (ytd only)* | 131.3920% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,366 |
| Loan loss allowance to noncurrent loans | 45.8493% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.1918% | 1,390 |
| Noncurrent loans to loans | 2.6437% | 1,149 |
| Net loans and leases to total assets | 73.3180% | 1,532 |
| Net loans and leases to deposits | 92.1007% | 1,138 |
| Net loans and leases to core deposits | 105.9964% | 898 |
| Total domestic deposits to total assets | 79.6064% | 5,328 |
| Equity capital to assets | 11.7370% | 2,219 |
| Core capital (leverage) ratio | 11.5208% | 1,983 |
| Tier 1 risk-based capital ratio | 13.2287% | 4,768 |
| Total risk-based capital ratio | 14.2781% | 4,828 |
| Memoranda: | ||
| Average total assets | $145,862,000 | 3,746 |
| Average earning assets | $139,727,330 | 3,656 |
| Average equity | $17,101,670 | 3,533 |
| Average total loans | $105,745,670 | 3,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,800 |
| Cost of funding earning assets | 0.6368% | 1,674 |
| Net interest margin | 3.3359% | 4,393 |
| Noninterest income to average assets | 0.4868% | 3,513 |
| Noninterest expense to average assets | 2.7478% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9352% | 2,481 |
| Return on assets (ROA) | 0.9352% | 2,553 |
| Pretax return on assets | 0.9379% | 3,562 |
| Return on Equity (ROE) | 7.9805% | 2,942 |
| Retained earnings to average equity (ytd only) | -9.6236% | 6,346 |
| Net charge-offs to loans | -0.0077% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5522% | 3,040 |
| Assets per employee ($millions) | 3.6149% | 4,685 |
| Cash dividends to net income (ytd only)* | 220.5882% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,322 |
| Loan loss allowance to noncurrent loans | 47.3458% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 1,697 |
| Noncurrent loans to loans | 2.6618% | 1,280 |
| Net loans and leases to total assets | 71.5248% | 1,649 |
| Net loans and leases to deposits | 88.0607% | 1,356 |
| Net loans and leases to core deposits | 102.8890% | 933 |
| Total domestic deposits to total assets | 81.2222% | 5,174 |
| Equity capital to assets | 11.6691% | 2,124 |
| Core capital (leverage) ratio | 11.4214% | 2,026 |
| Tier 1 risk-based capital ratio | 13.7933% | 4,472 |
| Total risk-based capital ratio | 14.8993% | 4,530 |
| Memoranda: | ||
| Average total assets | $145,427,000 | 3,776 |
| Average earning assets | $139,453,000 | 3,676 |
| Average equity | $17,041,500 | 3,545 |
| Average total loans | $104,168,000 | 3,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 3,416 |
| Cost of funding earning assets | 0.6846% | 1,923 |
| Net interest margin | 3.4951% | 3,931 |
| Noninterest income to average assets | 0.6861% | 2,620 |
| Noninterest expense to average assets | 2.7629% | 3,860 |
| Loan and lease loss provision to assets | 0.0705% | 3,713 |
| Net operating income to assets | 1.1995% | 1,564 |
| Return on assets (ROA) | 1.1995% | 1,634 |
| Pretax return on assets | 1.2009% | 2,580 |
| Return on Equity (ROE) | 9.9772% | 2,124 |
| Retained earnings to average equity (ytd only) | 3.3433% | 3,851 |
| Net charge-offs to loans | 0.2297% | 2,622 |
| Credit loss provision to net charge-offs | 42.9185% | 3,976 |
| Earnings coverage of net charge-offs (x) | 7.7382% | 2,790 |
| Efficiency ratio | 68.4845% | 4,100 |
| Assets per employee ($millions) | 3.6565% | 4,575 |
| Cash dividends to net income (ytd only)* | 66.4903% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,286 |
| Loan loss allowance to noncurrent loans | 43.2797% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2023% | 1,623 |
| Noncurrent loans to loans | 2.9374% | 1,188 |
| Net loans and leases to total assets | 69.9292% | 2,021 |
| Net loans and leases to deposits | 86.2151% | 1,654 |
| Net loans and leases to core deposits | 96.2698% | 1,431 |
| Total domestic deposits to total assets | 81.1101% | 5,136 |
| Equity capital to assets | 11.7669% | 1,970 |
| Core capital (leverage) ratio | 11.6272% | 1,875 |
| Tier 1 risk-based capital ratio | 13.8316% | 4,409 |
| Total risk-based capital ratio | 14.9114% | 4,490 |
| Memoranda: | ||
| Average total assets | $141,809,400 | 3,848 |
| Average earning assets | $135,845,400 | 3,722 |
| Average equity | $17,048,800 | 3,558 |
| Average total loans | $101,445,200 | 3,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 3,375 |
| Cost of funding earning assets | 0.6882% | 2,030 |
| Net interest margin | 3.5174% | 3,801 |
| Noninterest income to average assets | 0.7145% | 2,534 |
| Noninterest expense to average assets | 2.7083% | 3,991 |
| Loan and lease loss provision to assets | 0.0948% | 3,180 |
| Net operating income to assets | 1.2803% | 1,397 |
| Return on assets (ROA) | 1.2803% | 1,465 |
| Pretax return on assets | 1.2822% | 2,402 |
| Return on Equity (ROE) | 10.5905% | 1,967 |
| Retained earnings to average equity (ytd only) | 2.3987% | 4,899 |
| Net charge-offs to loans | -0.0225% | 6,077 |
| Credit loss provision to net charge-offs | -588.2353% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2955% | 4,434 |
| Assets per employee ($millions) | 3.6282% | 4,604 |
| Cash dividends to net income (ytd only)* | 77.3501% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,282 |
| Loan loss allowance to noncurrent loans | 50.8931% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.2752% | 1,738 |
| Noncurrent loans to loans | 3.0253% | 1,325 |
| Net loans and leases to total assets | 69.0473% | 2,134 |
| Net loans and leases to deposits | 85.0148% | 1,741 |
| Net loans and leases to core deposits | 95.1471% | 1,459 |
| Total domestic deposits to total assets | 81.2180% | 5,163 |
| Equity capital to assets | 11.7462% | 2,092 |
| Core capital (leverage) ratio | 11.5727% | 1,985 |
| Tier 1 risk-based capital ratio | 14.1144% | 4,345 |
| Total risk-based capital ratio | 15.3655% | 4,292 |
| Memoranda: | ||
| Average total assets | $140,697,250 | 3,902 |
| Average earning assets | $134,832,750 | 3,780 |
| Average equity | $17,008,500 | 3,600 |
| Average total loans | $100,908,000 | 3,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 3,298 |
| Cost of funding earning assets | 0.6850% | 2,179 |
| Net interest margin | 3.5314% | 3,650 |
| Noninterest income to average assets | 0.7872% | 2,252 |
| Noninterest expense to average assets | 2.7913% | 3,703 |
| Loan and lease loss provision to assets | 0.1437% | 2,536 |
| Net operating income to assets | 1.2355% | 1,498 |
| Return on assets (ROA) | 1.2355% | 1,597 |
| Pretax return on assets | 1.2369% | 2,533 |
| Return on Equity (ROE) | 10.1202% | 2,155 |
| Retained earnings to average equity (ytd only) | -0.0118% | 5,858 |
| Net charge-offs to loans | -0.0338% | 6,128 |
| Credit loss provision to net charge-offs | -588.2353% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9077% | 4,379 |
| Assets per employee ($millions) | 3.4658% | 4,928 |
| Cash dividends to net income (ytd only)* | 100.1163% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,500 |
| Loan loss allowance to noncurrent loans | 45.2498% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6589% | 1,569 |
| Noncurrent loans to loans | 3.3560% | 1,291 |
| Net loans and leases to total assets | 73.3045% | 1,357 |
| Net loans and leases to deposits | 90.0705% | 1,137 |
| Net loans and leases to core deposits | 97.0083% | 1,281 |
| Total domestic deposits to total assets | 81.3857% | 5,237 |
| Equity capital to assets | 11.9678% | 1,937 |
| Core capital (leverage) ratio | 11.6639% | 1,823 |
| Tier 1 risk-based capital ratio | 13.7955% | 4,569 |
| Total risk-based capital ratio | 15.0499% | 4,530 |
| Memoranda: | ||
| Average total assets | $139,220,330 | 3,967 |
| Average earning assets | $133,432,670 | 3,832 |
| Average equity | $16,995,670 | 3,622 |
| Average total loans | $100,619,330 | 3,468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,239 |
| Cost of funding earning assets | 0.6839% | 2,354 |
| Net interest margin | 3.5305% | 3,569 |
| Noninterest income to average assets | 0.7254% | 2,452 |
| Noninterest expense to average assets | 2.6463% | 4,255 |
| Loan and lease loss provision to assets | 0.2867% | 1,226 |
| Net operating income to assets | 1.1640% | 1,628 |
| Return on assets (ROA) | 1.1640% | 1,735 |
| Pretax return on assets | 1.1669% | 2,694 |
| Return on Equity (ROE) | 9.4430% | 2,298 |
| Retained earnings to average equity (ytd only) | -4.5122% | 6,327 |
| Net charge-offs to loans | -0.1128% | 6,496 |
| Credit loss provision to net charge-offs | -357.1429% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5455% | 4,912 |
| Assets per employee ($millions) | 3.4969% | 4,988 |
| Cash dividends to net income (ytd only)* | 147.7833% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 3,386 |
| Loan loss allowance to noncurrent loans | 48.5837% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6860% | 1,690 |
| Noncurrent loans to loans | 3.2995% | 1,468 |
| Net loans and leases to total assets | 69.2485% | 1,789 |
| Net loans and leases to deposits | 84.8067% | 1,497 |
| Net loans and leases to core deposits | 91.4534% | 1,563 |
| Total domestic deposits to total assets | 81.6545% | 5,309 |
| Equity capital to assets | 12.2244% | 1,892 |
| Core capital (leverage) ratio | 11.7294% | 1,727 |
| Tier 1 risk-based capital ratio | 13.9822% | 4,519 |
| Total risk-based capital ratio | 15.2332% | 4,479 |
| Memoranda: | ||
| Average total assets | $139,515,500 | 3,998 |
| Average earning assets | $133,352,000 | 3,874 |
| Average equity | $17,198,000 | 3,631 |
| Average total loans | $99,334,500 | 3,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 2,140 |
| Cost of funding earning assets | 0.9191% | 1,821 |
| Net interest margin | 3.8961% | 2,843 |
| Noninterest income to average assets | 0.7743% | 2,369 |
| Noninterest expense to average assets | 2.8879% | 3,686 |
| Loan and lease loss provision to assets | 0.1179% | 4,153 |
| Net operating income to assets | 1.4771% | 965 |
| Return on assets (ROA) | 1.4771% | 1,070 |
| Pretax return on assets | 1.4786% | 1,746 |
| Return on Equity (ROE) | 11.9900% | 1,517 |
| Retained earnings to average equity (ytd only) | 5.5017% | 2,384 |
| Net charge-offs to loans | 0.2844% | 3,239 |
| Credit loss provision to net charge-offs | 58.6081% | 4,486 |
| Earnings coverage of net charge-offs (x) | 7.9377% | 2,506 |
| Efficiency ratio | 64.3995% | 4,813 |
| Assets per employee ($millions) | 3.4789% | 5,051 |
| Cash dividends to net income (ytd only)* | 54.1147% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,957 |
| Loan loss allowance to noncurrent loans | 62.8250% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9841% | 2,472 |
| Noncurrent loans to loans | 2.3027% | 2,348 |
| Net loans and leases to total assets | 70.9849% | 1,652 |
| Net loans and leases to deposits | 86.5541% | 1,437 |
| Net loans and leases to core deposits | 91.4807% | 1,677 |
| Total domestic deposits to total assets | 82.0121% | 5,089 |
| Equity capital to assets | 12.4300% | 1,760 |
| Core capital (leverage) ratio | 11.9460% | 1,596 |
| Tier 1 risk-based capital ratio | 14.1209% | 4,299 |
| Total risk-based capital ratio | 15.3710% | 4,255 |
| Memoranda: | ||
| Average total assets | $135,741,000 | 4,028 |
| Average earning assets | $129,256,800 | 3,917 |
| Average equity | $16,722,200 | 3,667 |
| Average total loans | $95,997,600 | 3,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 1,882 |
| Cost of funding earning assets | 0.9828% | 1,661 |
| Net interest margin | 3.9520% | 2,699 |
| Noninterest income to average assets | 0.8175% | 2,165 |
| Noninterest expense to average assets | 2.8774% | 3,680 |
| Loan and lease loss provision to assets | 0.1582% | 3,534 |
| Net operating income to assets | 1.5440% | 953 |
| Return on assets (ROA) | 1.5440% | 1,060 |
| Pretax return on assets | 1.5459% | 1,732 |
| Return on Equity (ROE) | 12.5621% | 1,443 |
| Retained earnings to average equity (ytd only) | 3.8362% | 4,191 |
| Net charge-offs to loans | 0.1924% | 3,577 |
| Credit loss provision to net charge-offs | 116.7883% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.5841% | 1,991 |
| Efficiency ratio | 62.8047% | 5,008 |
| Assets per employee ($millions) | 3.4352% | 5,133 |
| Cash dividends to net income (ytd only)* | 69.4624% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 3,165 |
| Loan loss allowance to noncurrent loans | 68.6283% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.8519% | 2,861 |
| Noncurrent loans to loans | 2.4731% | 2,326 |
| Net loans and leases to total assets | 68.5666% | 2,201 |
| Net loans and leases to deposits | 83.1982% | 1,972 |
| Net loans and leases to core deposits | 88.1870% | 2,198 |
| Total domestic deposits to total assets | 82.4135% | 4,867 |
| Equity capital to assets | 12.6623% | 1,791 |
| Core capital (leverage) ratio | 11.6572% | 1,865 |
| Tier 1 risk-based capital ratio | 14.4796% | 4,198 |
| Total risk-based capital ratio | 15.7317% | 4,169 |
| Memoranda: | ||
| Average total assets | $134,887,500 | 4,082 |
| Average earning assets | $128,471,750 | 3,970 |
| Average equity | $16,578,500 | 3,722 |
| Average total loans | $94,939,750 | 3,681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 1,867 |
| Cost of funding earning assets | 1.0038% | 1,741 |
| Net interest margin | 3.9686% | 2,641 |
| Noninterest income to average assets | 0.7012% | 2,665 |
| Noninterest expense to average assets | 2.7413% | 4,246 |
| Loan and lease loss provision to assets | 0.2367% | 2,704 |
| Net operating income to assets | 1.5001% | 990 |
| Return on assets (ROA) | 1.5001% | 1,110 |
| Pretax return on assets | 1.5016% | 1,843 |
| Return on Equity (ROE) | 12.3283% | 1,566 |
| Retained earnings to average equity (ytd only) | 1.2644% | 5,566 |
| Net charge-offs to loans | 0.2871% | 2,886 |
| Credit loss provision to net charge-offs | 116.7883% | 2,359 |
| Earnings coverage of net charge-offs (x) | 8.5766% | 2,271 |
| Efficiency ratio | 61.1955% | 5,388 |
| Assets per employee ($millions) | 3.4234% | 5,156 |
| Cash dividends to net income (ytd only)* | 89.7436% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 3,381 |
| Loan loss allowance to noncurrent loans | 75.2969% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.8927% | 2,917 |
| Noncurrent loans to loans | 2.2089% | 2,707 |
| Net loans and leases to total assets | 70.1881% | 1,886 |
| Net loans and leases to deposits | 87.2339% | 1,447 |
| Net loans and leases to core deposits | 93.2448% | 1,665 |
| Total domestic deposits to total assets | 80.4597% | 5,626 |
| Equity capital to assets | 12.4249% | 1,865 |
| Core capital (leverage) ratio | 11.5067% | 1,901 |
| Tier 1 risk-based capital ratio | 14.2221% | 4,288 |
| Total risk-based capital ratio | 15.3564% | 4,332 |
| Memoranda: | ||
| Average total assets | $135,192,670 | 4,093 |
| Average earning assets | $128,711,670 | 3,984 |
| Average equity | $16,450,000 | 3,738 |
| Average total loans | $95,437,670 | 3,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,910 |
| Cost of funding earning assets | 1.0352% | 1,770 |
| Net interest margin | 3.9583% | 2,675 |
| Noninterest income to average assets | 0.6910% | 2,704 |
| Noninterest expense to average assets | 2.6435% | 4,652 |
| Loan and lease loss provision to assets | 0.0735% | 4,482 |
| Net operating income to assets | 1.7378% | 677 |
| Return on assets (ROA) | 1.7378% | 755 |
| Pretax return on assets | 1.7408% | 1,218 |
| Return on Equity (ROE) | 14.4318% | 1,096 |
| Retained earnings to average equity (ytd only) | 0.7570% | 5,755 |
| Net charge-offs to loans | -0.1801% | 6,970 |
| Credit loss provision to net charge-offs | -58.1395% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3008% | 5,723 |
| Assets per employee ($millions) | 3.3861% | 5,375 |
| Cash dividends to net income (ytd only)* | 94.7547% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 3,321 |
| Loan loss allowance to noncurrent loans | 62.8131% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.3331% | 2,552 |
| Noncurrent loans to loans | 2.7185% | 2,402 |
| Net loans and leases to total assets | 69.2724% | 1,893 |
| Net loans and leases to deposits | 84.6415% | 1,582 |
| Net loans and leases to core deposits | 90.5621% | 1,796 |
| Total domestic deposits to total assets | 81.8421% | 5,350 |
| Equity capital to assets | 12.1045% | 1,972 |
| Core capital (leverage) ratio | 11.5205% | 1,877 |
| Tier 1 risk-based capital ratio | 14.0321% | 4,453 |
| Total risk-based capital ratio | 15.2849% | 4,415 |
| Memoranda: | ||
| Average total assets | $136,032,000 | 4,108 |
| Average earning assets | $129,449,500 | 3,998 |
| Average equity | $16,380,500 | 3,751 |
| Average total loans | $95,508,500 | 3,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 1,472 |
| Cost of funding earning assets | 1.2771% | 1,586 |
| Net interest margin | 4.1009% | 2,424 |
| Noninterest income to average assets | 0.5664% | 3,383 |
| Noninterest expense to average assets | 2.7910% | 4,383 |
| Loan and lease loss provision to assets | 0.3167% | 3,147 |
| Net operating income to assets | 1.3243% | 1,189 |
| Return on assets (ROA) | 1.3243% | 1,286 |
| Pretax return on assets | 1.3258% | 2,037 |
| Return on Equity (ROE) | 11.4393% | 1,575 |
| Retained earnings to average equity (ytd only) | 5.0791% | 2,581 |
| Net charge-offs to loans | 0.2153% | 4,444 |
| Credit loss provision to net charge-offs | 200.4717% | 1,240 |
| Earnings coverage of net charge-offs (x) | 10.3962% | 1,841 |
| Efficiency ratio | 62.9518% | 5,308 |
| Assets per employee ($millions) | 3.5952% | 4,779 |
| Cash dividends to net income (ytd only)* | 55.5993% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 3,444 |
| Loan loss allowance to noncurrent loans | 78.3350% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 3,144 |
| Noncurrent loans to loans | 2.0866% | 3,082 |
| Net loans and leases to total assets | 68.8038% | 2,246 |
| Net loans and leases to deposits | 84.1177% | 1,911 |
| Net loans and leases to core deposits | 90.9495% | 1,993 |
| Total domestic deposits to total assets | 81.7946% | 5,192 |
| Equity capital to assets | 11.9793% | 2,144 |
| Core capital (leverage) ratio | 11.4022% | 1,967 |
| Tier 1 risk-based capital ratio | 14.0469% | 4,298 |
| Total risk-based capital ratio | 15.2992% | 4,245 |
| Memoranda: | ||
| Average total assets | $134,179,200 | 4,089 |
| Average earning assets | $126,533,400 | 4,006 |
| Average equity | $15,534,200 | 3,807 |
| Average total loans | $98,458,800 | 3,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 1,337 |
| Cost of funding earning assets | 1.3242% | 1,575 |
| Net interest margin | 4.1456% | 2,287 |
| Noninterest income to average assets | 0.5630% | 3,427 |
| Noninterest expense to average assets | 2.7800% | 4,415 |
| Loan and lease loss provision to assets | 0.3494% | 2,777 |
| Net operating income to assets | 1.3346% | 1,296 |
| Return on assets (ROA) | 1.3346% | 1,386 |
| Pretax return on assets | 1.3366% | 2,161 |
| Return on Equity (ROE) | 11.6312% | 1,638 |
| Retained earnings to average equity (ytd only) | 4.5324% | 3,492 |
| Net charge-offs to loans | -0.0430% | 7,025 |
| Credit loss provision to net charge-offs | -1,093.7500% | 6,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2485% | 5,374 |
| Assets per employee ($millions) | 3.6399% | 4,661 |
| Cash dividends to net income (ytd only)* | 61.0321% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,951 |
| Loan loss allowance to noncurrent loans | 68.4731% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 3,123 |
| Noncurrent loans to loans | 2.6272% | 2,644 |
| Net loans and leases to total assets | 70.1629% | 2,056 |
| Net loans and leases to deposits | 85.6778% | 1,721 |
| Net loans and leases to core deposits | 96.2182% | 1,588 |
| Total domestic deposits to total assets | 81.8916% | 5,137 |
| Equity capital to assets | 11.9240% | 2,312 |
| Core capital (leverage) ratio | 11.3159% | 2,152 |
| Tier 1 risk-based capital ratio | 13.7904% | 4,506 |
| Total risk-based capital ratio | 15.0444% | 4,470 |
| Memoranda: | ||
| Average total assets | $133,569,250 | 4,123 |
| Average earning assets | $125,753,500 | 4,046 |
| Average equity | $15,326,250 | 3,857 |
| Average total loans | $99,183,250 | 3,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 1,261 |
| Cost of funding earning assets | 1.3686% | 1,555 |
| Net interest margin | 4.1505% | 2,229 |
| Noninterest income to average assets | 0.4955% | 3,902 |
| Noninterest expense to average assets | 2.8439% | 4,256 |
| Loan and lease loss provision to assets | 0.5255% | 1,863 |
| Net operating income to assets | 1.0180% | 2,147 |
| Return on assets (ROA) | 1.0180% | 2,241 |
| Pretax return on assets | 1.0195% | 3,168 |
| Return on Equity (ROE) | 8.9909% | 2,519 |
| Retained earnings to average equity (ytd only) | -0.2122% | 5,882 |
| Net charge-offs to loans | -0.0559% | 7,046 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7964% | 5,092 |
| Assets per employee ($millions) | 3.6057% | 4,669 |
| Cash dividends to net income (ytd only)* | 102.3599% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 3,273 |
| Loan loss allowance to noncurrent loans | 55.7817% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.4615% | 2,706 |
| Noncurrent loans to loans | 3.0754% | 2,344 |
| Net loans and leases to total assets | 74.1642% | 1,384 |
| Net loans and leases to deposits | 90.9905% | 1,160 |
| Net loans and leases to core deposits | 96.3296% | 1,643 |
| Total domestic deposits to total assets | 81.5077% | 5,348 |
| Equity capital to assets | 11.4885% | 2,513 |
| Core capital (leverage) ratio | 10.9314% | 2,313 |
| Tier 1 risk-based capital ratio | 12.9860% | 4,925 |
| Total risk-based capital ratio | 14.2407% | 4,905 |
| Memoranda: | ||
| Average total assets | $133,199,670 | 4,160 |
| Average earning assets | $124,948,330 | 4,094 |
| Average equity | $15,082,000 | 3,892 |
| Average total loans | $100,169,330 | 3,683 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 1,091 |
| Cost of funding earning assets | 1.4160% | 1,530 |
| Net interest margin | 4.1647% | 2,015 |
| Noninterest income to average assets | 0.4749% | 4,088 |
| Noninterest expense to average assets | 2.6538% | 5,019 |
| Loan and lease loss provision to assets | 0.6011% | 1,431 |
| Net operating income to assets | 1.1240% | 1,755 |
| Return on assets (ROA) | 1.1240% | 1,799 |
| Pretax return on assets | 1.1270% | 2,661 |
| Return on Equity (ROE) | 10.0003% | 2,093 |
| Retained earnings to average equity (ytd only) | -2.0322% | 6,149 |
| Net charge-offs to loans | -0.1121% | 7,116 |
| Credit loss provision to net charge-offs | -714.2857% | 6,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5624% | 5,899 |
| Assets per employee ($millions) | 3.3949% | 5,257 |
| Cash dividends to net income (ytd only)* | 120.3209% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,810 |
| Loan loss allowance to noncurrent loans | 66.8220% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.9275% | 3,400 |
| Noncurrent loans to loans | 2.3669% | 3,121 |
| Net loans and leases to total assets | 74.1167% | 1,324 |
| Net loans and leases to deposits | 91.1863% | 1,096 |
| Net loans and leases to core deposits | 97.8102% | 1,542 |
| Total domestic deposits to total assets | 81.2805% | 5,578 |
| Equity capital to assets | 11.3125% | 2,405 |
| Core capital (leverage) ratio | 10.9350% | 2,237 |
| Tier 1 risk-based capital ratio | 12.9628% | 4,852 |
| Total risk-based capital ratio | 14.2151% | 4,839 |
| Memoranda: | ||
| Average total assets | $133,093,500 | 4,191 |
| Average earning assets | $124,857,500 | 4,123 |
| Average equity | $14,959,500 | 3,908 |
| Average total loans | $99,918,500 | 3,724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9275% | 984 |
| Cost of funding earning assets | 1.7850% | 1,230 |
| Net interest margin | 4.1425% | 2,398 |
| Noninterest income to average assets | 0.4125% | 4,804 |
| Noninterest expense to average assets | 2.7052% | 4,968 |
| Loan and lease loss provision to assets | 0.2304% | 4,974 |
| Net operating income to assets | 1.3434% | 1,071 |
| Return on assets (ROA) | 1.3434% | 1,144 |
| Pretax return on assets | 1.3449% | 1,818 |
| Return on Equity (ROE) | 11.9174% | 1,330 |
| Retained earnings to average equity (ytd only) | 7.1886% | 1,242 |
| Net charge-offs to loans | 0.4428% | 3,848 |
| Credit loss provision to net charge-offs | 66.6667% | 5,941 |
| Earnings coverage of net charge-offs (x) | 4.5578% | 2,878 |
| Efficiency ratio | 63.1976% | 5,483 |
| Assets per employee ($millions) | 3.3446% | 5,322 |
| Cash dividends to net income (ytd only)* | 39.6798% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,763 |
| Loan loss allowance to noncurrent loans | 100.2229% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,664 |
| Noncurrent loans to loans | 1.3443% | 4,471 |
| Net loans and leases to total assets | 73.8341% | 1,692 |
| Net loans and leases to deposits | 90.7087% | 1,437 |
| Net loans and leases to core deposits | 98.3962% | 1,759 |
| Total domestic deposits to total assets | 81.3970% | 5,388 |
| Equity capital to assets | 11.1679% | 2,539 |
| Core capital (leverage) ratio | 10.8797% | 2,244 |
| Tier 1 risk-based capital ratio | 12.8339% | 4,742 |
| Total risk-based capital ratio | 14.0209% | 4,764 |
| Memoranda: | ||
| Average total assets | $130,194,600 | 4,263 |
| Average earning assets | $121,568,800 | 4,194 |
| Average equity | $14,676,000 | 3,998 |
| Average total loans | $101,628,800 | 3,750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 1,057 |
| Cost of funding earning assets | 1.8456% | 1,236 |
| Net interest margin | 4.0924% | 2,658 |
| Noninterest income to average assets | 0.3723% | 5,174 |
| Noninterest expense to average assets | 2.6378% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5509% | 828 |
| Return on assets (ROA) | 1.5509% | 902 |
| Pretax return on assets | 1.5530% | 1,469 |
| Return on Equity (ROE) | 13.7256% | 1,090 |
| Retained earnings to average equity (ytd only) | 8.9983% | 1,054 |
| Net charge-offs to loans | 0.1085% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 18.1452% | 1,282 |
| Efficiency ratio | 62.9429% | 5,443 |
| Assets per employee ($millions) | 3.3121% | 5,425 |
| Cash dividends to net income (ytd only)* | 34.4416% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 4,486 |
| Loan loss allowance to noncurrent loans | 74.9603% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 4,182 |
| Noncurrent loans to loans | 1.8619% | 3,854 |
| Net loans and leases to total assets | 75.5114% | 1,492 |
| Net loans and leases to deposits | 93.2878% | 1,283 |
| Net loans and leases to core deposits | 102.7432% | 1,585 |
| Total domestic deposits to total assets | 80.9446% | 5,394 |
| Equity capital to assets | 11.4876% | 2,540 |
| Core capital (leverage) ratio | 11.0231% | 2,241 |
| Tier 1 risk-based capital ratio | 12.6736% | 4,839 |
| Total risk-based capital ratio | 13.9099% | 4,830 |
| Memoranda: | ||
| Average total assets | $129,297,000 | 4,342 |
| Average earning assets | $120,643,000 | 4,271 |
| Average equity | $14,609,750 | 4,075 |
| Average total loans | $102,004,000 | 3,801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9323% | 1,100 |
| Cost of funding earning assets | 1.8815% | 1,302 |
| Net interest margin | 4.0509% | 2,784 |
| Noninterest income to average assets | 0.3416% | 5,420 |
| Noninterest expense to average assets | 2.7387% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3756% | 1,137 |
| Return on assets (ROA) | 1.3756% | 1,206 |
| Pretax return on assets | 1.3772% | 1,893 |
| Return on Equity (ROE) | 12.2443% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.0777% | 478 |
| Net charge-offs to loans | 0.1605% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.7683% | 1,844 |
| Efficiency ratio | 66.5404% | 4,875 |
| Assets per employee ($millions) | 3.2670% | 5,514 |
| Cash dividends to net income (ytd only)* | 1.3605% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,486 |
| Loan loss allowance to noncurrent loans | 151.0661% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 5,566 |
| Noncurrent loans to loans | 0.9183% | 5,443 |
| Net loans and leases to total assets | 77.0830% | 1,280 |
| Net loans and leases to deposits | 95.2071% | 1,124 |
| Net loans and leases to core deposits | 107.9067% | 1,305 |
| Total domestic deposits to total assets | 80.9634% | 5,412 |
| Equity capital to assets | 11.3200% | 2,578 |
| Core capital (leverage) ratio | 11.1669% | 2,126 |
| Tier 1 risk-based capital ratio | 12.6192% | 4,757 |
| Total risk-based capital ratio | 13.8610% | 4,729 |
| Memoranda: | ||
| Average total assets | $128,235,330 | 4,396 |
| Average earning assets | $119,480,670 | 4,326 |
| Average equity | $14,406,670 | 4,113 |
| Average total loans | $102,187,000 | 3,828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0852% | 803 |
| Cost of funding earning assets | 1.9200% | 1,374 |
| Net interest margin | 4.1652% | 2,171 |
| Noninterest income to average assets | 0.4755% | 4,241 |
| Noninterest expense to average assets | 2.6202% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7258% | 582 |
| Return on assets (ROA) | 1.7258% | 636 |
| Pretax return on assets | 1.7290% | 1,003 |
| Return on Equity (ROE) | 15.4220% | 811 |
| Retained earnings to average equity (ytd only) | 15.4220% | 380 |
| Net charge-offs to loans | 0.2387% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,905 |
| Efficiency ratio | 60.2462% | 6,118 |
| Assets per employee ($millions) | 3.1609% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,324 |
| Loan loss allowance to noncurrent loans | 207.8035% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 5,994 |
| Noncurrent loans to loans | 0.6833% | 5,965 |
| Net loans and leases to total assets | 78.9562% | 986 |
| Net loans and leases to deposits | 98.0831% | 903 |
| Net loans and leases to core deposits | 109.3429% | 1,328 |
| Total domestic deposits to total assets | 80.4992% | 5,613 |
| Equity capital to assets | 11.4959% | 2,365 |
| Core capital (leverage) ratio | 11.2036% | 2,090 |
| Tier 1 risk-based capital ratio | 12.6803% | 4,575 |
| Total risk-based capital ratio | 13.9307% | 4,544 |
| Memoranda: | ||
| Average total assets | $127,013,000 | 4,480 |
| Average earning assets | $118,122,500 | 4,420 |
| Average equity | $14,213,500 | 4,191 |
| Average total loans | $102,206,000 | 3,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1347% | 1,421 |
| Cost of funding earning assets | 2.3103% | 1,613 |
| Net interest margin | 3.8245% | 3,602 |
| Noninterest income to average assets | 0.6408% | 3,350 |
| Noninterest expense to average assets | 2.7257% | 5,270 |
| Loan and lease loss provision to assets | 0.7882% | 2,769 |
| Net operating income to assets | 0.6850% | 2,996 |
| Return on assets (ROA) | 0.6850% | 3,057 |
| Pretax return on assets | 0.6865% | 3,617 |
| Return on Equity (ROE) | 6.3480% | 3,056 |
| Retained earnings to average equity (ytd only) | 3.6086% | 2,657 |
| Net charge-offs to loans | 0.5120% | 3,730 |
| Credit loss provision to net charge-offs | 195.6947% | 2,023 |
| Earnings coverage of net charge-offs (x) | 3.6614% | 3,253 |
| Efficiency ratio | 64.8902% | 5,602 |
| Assets per employee ($millions) | 3.1898% | 5,749 |
| Cash dividends to net income (ytd only)* | 43.1530% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,949 |
| Loan loss allowance to noncurrent loans | 224.8876% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 5,994 |
| Noncurrent loans to loans | 0.6467% | 5,943 |
| Net loans and leases to total assets | 79.6653% | 1,050 |
| Net loans and leases to deposits | 98.2258% | 1,081 |
| Net loans and leases to core deposits | 121.0924% | 1,874 |
| Total domestic deposits to total assets | 81.1043% | 5,312 |
| Equity capital to assets | 10.8880% | 2,785 |
| Core capital (leverage) ratio | 10.6231% | 2,489 |
| Tier 1 risk-based capital ratio | 11.9486% | 4,989 |
| Total risk-based capital ratio | 13.1994% | 4,941 |
| Memoranda: | ||
| Average total assets | $126,868,800 | 4,404 |
| Average earning assets | $118,082,000 | 4,355 |
| Average equity | $13,689,400 | 4,343 |
| Average total loans | $99,812,400 | 3,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1109% | 1,610 |
| Cost of funding earning assets | 2.3699% | 1,744 |
| Net interest margin | 3.7410% | 3,905 |
| Noninterest income to average assets | 0.6872% | 3,112 |
| Noninterest expense to average assets | 2.6963% | 5,345 |
| Loan and lease loss provision to assets | 0.5262% | 3,281 |
| Net operating income to assets | 0.9514% | 2,230 |
| Return on assets (ROA) | 0.9514% | 2,290 |
| Pretax return on assets | 0.9535% | 3,049 |
| Return on Equity (ROE) | 8.8373% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.1714% | 2,389 |
| Net charge-offs to loans | 0.1145% | 5,535 |
| Credit loss provision to net charge-offs | 588.2353% | 657 |
| Earnings coverage of net charge-offs (x) | 16.5413% | 1,466 |
| Efficiency ratio | 64.5665% | 5,644 |
| Assets per employee ($millions) | 3.1756% | 5,710 |
| Cash dividends to net income (ytd only)* | 41.4826% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 4,031 |
| Loan loss allowance to noncurrent loans | 185.9192% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 5,770 |
| Noncurrent loans to loans | 0.7444% | 5,822 |
| Net loans and leases to total assets | 79.9959% | 1,169 |
| Net loans and leases to deposits | 99.4782% | 1,160 |
| Net loans and leases to core deposits | 124.4431% | 1,860 |
| Total domestic deposits to total assets | 80.4155% | 5,284 |
| Equity capital to assets | 10.9751% | 3,032 |
| Core capital (leverage) ratio | 10.5742% | 2,736 |
| Tier 1 risk-based capital ratio | 10.5639% | 6,397 |
| Total risk-based capital ratio | 11.6815% | 6,490 |
| Memoranda: | ||
| Average total assets | $126,688,500 | 4,431 |
| Average earning assets | $118,147,500 | 4,384 |
| Average equity | $13,638,750 | 4,379 |
| Average total loans | $98,979,250 | 4,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0826% | 1,848 |
| Cost of funding earning assets | 2.4215% | 1,874 |
| Net interest margin | 3.6611% | 4,114 |
| Noninterest income to average assets | 0.7616% | 2,641 |
| Noninterest expense to average assets | 2.6387% | 5,591 |
| Loan and lease loss provision to assets | 0.5135% | 2,967 |
| Net operating income to assets | 1.0191% | 2,039 |
| Return on assets (ROA) | 1.0191% | 2,128 |
| Pretax return on assets | 1.0207% | 2,927 |
| Return on Equity (ROE) | 9.5287% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.8354% | 2,100 |
| Net charge-offs to loans | 0.3421% | 3,469 |
| Credit loss provision to net charge-offs | 194.6108% | 2,350 |
| Earnings coverage of net charge-offs (x) | 5.8144% | 2,753 |
| Efficiency ratio | 63.2336% | 6,050 |
| Assets per employee ($millions) | 3.1893% | 5,609 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,186 |
| Loan loss allowance to noncurrent loans | 253.0303% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 6,312 |
| Noncurrent loans to loans | 0.4588% | 6,377 |
| Net loans and leases to total assets | 78.0217% | 1,736 |
| Net loans and leases to deposits | 95.8375% | 1,821 |
| Net loans and leases to core deposits | 119.7879% | 2,391 |
| Total domestic deposits to total assets | 81.4104% | 4,924 |
| Equity capital to assets | 10.6333% | 3,266 |
| Core capital (leverage) ratio | 10.4614% | 2,848 |
| Tier 1 risk-based capital ratio | 10.6326% | 6,251 |
| Total risk-based capital ratio | 11.5641% | 6,516 |
| Memoranda: | ||
| Average total assets | $126,576,670 | 4,458 |
| Average earning assets | $117,943,000 | 4,414 |
| Average equity | $13,538,000 | 4,413 |
| Average total loans | $97,625,670 | 4,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 2,139 |
| Cost of funding earning assets | 2.4846% | 1,973 |
| Net interest margin | 3.5688% | 4,455 |
| Noninterest income to average assets | 0.8217% | 2,220 |
| Noninterest expense to average assets | 2.4715% | 5,951 |
| Loan and lease loss provision to assets | 0.1586% | 4,901 |
| Net operating income to assets | 1.5197% | 905 |
| Return on assets (ROA) | 1.5197% | 976 |
| Pretax return on assets | 1.5228% | 1,603 |
| Return on Equity (ROE) | 14.1669% | 1,135 |
| Retained earnings to average equity (ytd only) | 14.1669% | 504 |
| Net charge-offs to loans | 0.0500% | 4,776 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 44.1667% | 790 |
| Efficiency ratio | 59.5111% | 6,472 |
| Assets per employee ($millions) | 3.1373% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,459 |
| Loan loss allowance to noncurrent loans | 167.8400% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 5,716 |
| Noncurrent loans to loans | 0.6563% | 5,763 |
| Net loans and leases to total assets | 75.0498% | 2,493 |
| Net loans and leases to deposits | 93.3325% | 2,379 |
| Net loans and leases to core deposits | 118.1355% | 2,584 |
| Total domestic deposits to total assets | 80.4112% | 5,203 |
| Equity capital to assets | 11.0080% | 2,953 |
| Core capital (leverage) ratio | 10.6688% | 2,766 |
| Tier 1 risk-based capital ratio | 11.1736% | 5,727 |
| Total risk-based capital ratio | 12.0463% | 6,000 |
| Memoranda: | ||
| Average total assets | $126,079,500 | 4,492 |
| Average earning assets | $117,687,000 | 4,437 |
| Average equity | $13,524,500 | 4,437 |
| Average total loans | $96,087,500 | 4,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5809% | 2,573 |
| Cost of funding earning assets | 2.8420% | 2,516 |
| Net interest margin | 3.7389% | 4,285 |
| Noninterest income to average assets | 0.5620% | 4,142 |
| Noninterest expense to average assets | 2.4830% | 6,079 |
| Loan and lease loss provision to assets | 0.2770% | 4,174 |
| Net operating income to assets | 1.3203% | 1,429 |
| Return on assets (ROA) | 1.3203% | 1,380 |
| Pretax return on assets | 1.3203% | 2,242 |
| Return on Equity (ROE) | 12.8732% | 1,364 |
| Retained earnings to average equity (ytd only) | 3.0408% | 3,273 |
| Net charge-offs to loans | 0.0649% | 5,846 |
| Credit loss provision to net charge-offs | 573.7705% | 761 |
| Earnings coverage of net charge-offs (x) | 33.0656% | 1,090 |
| Efficiency ratio | 60.8653% | 6,189 |
| Assets per employee ($millions) | 3.2479% | 5,341 |
| Cash dividends to net income (ytd only)* | 76.3789% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 5,694 |
| Loan loss allowance to noncurrent loans | 325.0804% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,202 |
| Noncurrent loans to loans | 0.3208% | 6,411 |
| Net loans and leases to total assets | 75.7368% | 2,698 |
| Net loans and leases to deposits | 93.0838% | 2,943 |
| Net loans and leases to core deposits | 116.6525% | 3,046 |
| Total domestic deposits to total assets | 81.3640% | 4,478 |
| Equity capital to assets | 10.4485% | 3,559 |
| Core capital (leverage) ratio | 10.2983% | 3,175 |
| Tier 1 risk-based capital ratio | 10.8602% | 5,851 |
| Total risk-based capital ratio | 11.7077% | 6,130 |
| Memoranda: | ||
| Average total assets | $126,339,000 | 4,364 |
| Average earning assets | $118,859,000 | 4,291 |
| Average equity | $12,957,200 | 4,590 |
| Average total loans | $94,043,800 | 4,106 |