Home > Calhoun County Bank, Inc. > Performance and Condition Ratios
Calhoun County Bank, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 2,830 |
| Cost of funding earning assets | 1.1633% | 3,797 |
| Net interest margin | 3.9868% | 1,316 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 3.3934% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6115% | 3,323 |
| Return on assets (ROA) | 0.6115% | 3,340 |
| Pretax return on assets | 0.8086% | 3,175 |
| Return on Equity (ROE) | 6.4700% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.4691% | 2,150 |
| Net charge-offs to loans | -0.0214% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.7563% | 903 |
| Assets per employee ($millions) | 4.6370% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 942 |
| Loan loss allowance to noncurrent loans | 297.1726% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,962 |
| Noncurrent loans to loans | 0.5151% | 1,835 |
| Net loans and leases to total assets | 64.4300% | 2,453 |
| Net loans and leases to deposits | 71.9128% | 2,744 |
| Net loans and leases to core deposits | 77.3724% | 2,864 |
| Total domestic deposits to total assets | 89.6000% | 949 |
| Equity capital to assets | 9.5871% | 2,506 |
| Core capital (leverage) ratio | 10.1939% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5844% | 609 |
| Memoranda: | ||
| Average total assets | $198,856,000 | 3,022 |
| Average earning assets | $186,716,000 | 3,003 |
| Average equity | $18,797,000 | 3,093 |
| Average total loans | $130,834,500 | 2,929 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 2,860 |
| Cost of funding earning assets | 1.1516% | 3,873 |
| Net interest margin | 3.9876% | 1,201 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 3.4970% | 593 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.7264% | 2,894 |
| Return on assets (ROA) | 0.7302% | 2,906 |
| Pretax return on assets | 0.9273% | 2,729 |
| Return on Equity (ROE) | 7.5900% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.1156% | 2,198 |
| Net charge-offs to loans | 0.0084% | 2,606 |
| Credit loss provision to net charge-offs | -309.0909% | 4,409 |
| Earnings coverage of net charge-offs (x) | 153.0909% | 612 |
| Efficiency ratio | 79.4559% | 1,084 |
| Assets per employee ($millions) | 4.6121% | 3,873 |
| Cash dividends to net income (ytd only)* | 32.5735% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 962 |
| Loan loss allowance to noncurrent loans | 302.4316% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,928 |
| Noncurrent loans to loans | 0.5015% | 1,826 |
| Net loans and leases to total assets | 65.1500% | 2,451 |
| Net loans and leases to deposits | 72.4749% | 2,763 |
| Net loans and leases to core deposits | 77.5969% | 2,937 |
| Total domestic deposits to total assets | 89.9000% | 853 |
| Equity capital to assets | 9.3173% | 2,583 |
| Core capital (leverage) ratio | 10.5812% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4570% | 621 |
| Memoranda: | ||
| Average total assets | $186,247,000 | 3,085 |
| Average earning assets | $174,367,000 | 3,059 |
| Average equity | $17,925,400 | 3,103 |
| Average total loans | $130,492,600 | 2,900 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 2,800 |
| Cost of funding earning assets | 1.1580% | 3,871 |
| Net interest margin | 3.9705% | 1,188 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 3.5699% | 526 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 0.5282% | 3,397 |
| Return on assets (ROA) | 0.5334% | 3,407 |
| Pretax return on assets | 0.7058% | 3,252 |
| Return on Equity (ROE) | 5.4900% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.2501% | 2,746 |
| Net charge-offs to loans | 0.0041% | 2,558 |
| Credit loss provision to net charge-offs | -875.0000% | 4,489 |
| Earnings coverage of net charge-offs (x) | 231.5000% | 469 |
| Efficiency ratio | 84.1221% | 811 |
| Assets per employee ($millions) | 4.4667% | 3,947 |
| Cash dividends to net income (ytd only)* | 22.6467% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,014 |
| Loan loss allowance to noncurrent loans | 488.0196% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,374 |
| Noncurrent loans to loans | 0.3099% | 2,356 |
| Net loans and leases to total assets | 69.2800% | 1,936 |
| Net loans and leases to deposits | 77.5911% | 2,378 |
| Net loans and leases to core deposits | 83.4985% | 2,604 |
| Total domestic deposits to total assets | 89.2800% | 809 |
| Equity capital to assets | 9.8843% | 2,369 |
| Core capital (leverage) ratio | 10.9320% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9600% | 687 |
| Memoranda: | ||
| Average total assets | $183,228,750 | 3,106 |
| Average earning assets | $171,325,500 | 3,088 |
| Average equity | $17,787,250 | 3,112 |
| Average total loans | $130,316,000 | 2,904 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 2,728 |
| Cost of funding earning assets | 1.1667% | 3,830 |
| Net interest margin | 3.9475% | 1,183 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 3.6419% | 490 |
| Loan and lease loss provision to assets | -0.0400% | 4,291 |
| Net operating income to assets | 0.4499% | 3,565 |
| Return on assets (ROA) | 0.4577% | 3,579 |
| Pretax return on assets | 0.6063% | 3,434 |
| Return on Equity (ROE) | 4.7400% | 3,578 |
| Retained earnings to average equity (ytd only) | 2.8514% | 3,075 |
| Net charge-offs to loans | -0.0123% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 86.7173% | 722 |
| Assets per employee ($millions) | 4.3208% | 4,001 |
| Cash dividends to net income (ytd only)* | 39.9038% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,018 |
| Loan loss allowance to noncurrent loans | 368.4404% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 1,960 |
| Noncurrent loans to loans | 0.4117% | 1,960 |
| Net loans and leases to total assets | 71.8400% | 1,668 |
| Net loans and leases to deposits | 80.3809% | 2,176 |
| Net loans and leases to core deposits | 86.2037% | 2,399 |
| Total domestic deposits to total assets | 89.3700% | 888 |
| Equity capital to assets | 9.7353% | 2,244 |
| Core capital (leverage) ratio | 10.6564% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6317% | 714 |
| Memoranda: | ||
| Average total assets | $181,771,667 | 3,119 |
| Average earning assets | $169,880,333 | 3,104 |
| Average equity | $17,535,333 | 3,115 |
| Average total loans | $129,768,667 | 2,905 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 2,838 |
| Cost of funding earning assets | 1.1233% | 3,840 |
| Net interest margin | 3.8470% | 1,293 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 3.6741% | 473 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.3518% | 3,724 |
| Return on assets (ROA) | 0.3518% | 3,741 |
| Pretax return on assets | 0.4661% | 3,626 |
| Return on Equity (ROE) | 3.6600% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.6635% | 2,805 |
| Net charge-offs to loans | -0.0841% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.3732% | 574 |
| Assets per employee ($millions) | 4.2329% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 889 |
| Loan loss allowance to noncurrent loans | 257.0342% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 1,434 |
| Noncurrent loans to loans | 0.6149% | 1,422 |
| Net loans and leases to total assets | 69.3800% | 1,875 |
| Net loans and leases to deposits | 77.4843% | 2,288 |
| Net loans and leases to core deposits | 82.6767% | 2,529 |
| Total domestic deposits to total assets | 89.5400% | 946 |
| Equity capital to assets | 9.6239% | 2,242 |
| Core capital (leverage) ratio | 10.7682% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1685% | 676 |
| Memoranda: | ||
| Average total assets | $181,921,000 | 3,127 |
| Average earning assets | $170,210,000 | 3,111 |
| Average equity | $17,469,500 | 3,128 |
| Average total loans | $128,466,500 | 2,919 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 2,590 |
| Cost of funding earning assets | 0.7641% | 3,825 |
| Net interest margin | 3.9783% | 1,243 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 3.5847% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6541% | 3,303 |
| Return on assets (ROA) | 0.6537% | 3,283 |
| Pretax return on assets | 0.8535% | 3,085 |
| Return on Equity (ROE) | 7.1500% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.9189% | 2,989 |
| Net charge-offs to loans | 0.0905% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 13.2966% | 2,113 |
| Efficiency ratio | 80.7603% | 866 |
| Assets per employee ($millions) | 4.3292% | 4,033 |
| Cash dividends to net income (ytd only)* | 45.2123% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 867 |
| Loan loss allowance to noncurrent loans | 281.0773% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,392 |
| Noncurrent loans to loans | 0.5629% | 1,389 |
| Net loans and leases to total assets | 69.6200% | 1,851 |
| Net loans and leases to deposits | 77.6464% | 2,303 |
| Net loans and leases to core deposits | 82.5705% | 2,546 |
| Total domestic deposits to total assets | 89.6600% | 855 |
| Equity capital to assets | 9.5816% | 2,284 |
| Core capital (leverage) ratio | 10.5464% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9433% | 697 |
| Memoranda: | ||
| Average total assets | $183,724,000 | 3,097 |
| Average earning assets | $171,581,000 | 3,080 |
| Average equity | $16,790,400 | 3,112 |
| Average total loans | $130,447,600 | 2,854 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 2,536 |
| Cost of funding earning assets | 0.6808% | 3,812 |
| Net interest margin | 3.9894% | 1,236 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.2457% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7295% | 3,233 |
| Return on assets (ROA) | 0.7289% | 3,218 |
| Pretax return on assets | 0.9656% | 2,945 |
| Return on Equity (ROE) | 8.0700% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.0042% | 2,634 |
| Net charge-offs to loans | 0.1100% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 12.3611% | 2,072 |
| Efficiency ratio | 77.0579% | 1,086 |
| Assets per employee ($millions) | 4.3559% | 4,021 |
| Cash dividends to net income (ytd only)* | 25.6207% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 921 |
| Loan loss allowance to noncurrent loans | 230.2928% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,190 |
| Noncurrent loans to loans | 0.6878% | 1,199 |
| Net loans and leases to total assets | 69.4500% | 1,893 |
| Net loans and leases to deposits | 77.0844% | 2,323 |
| Net loans and leases to core deposits | 81.9014% | 2,478 |
| Total domestic deposits to total assets | 90.1000% | 918 |
| Equity capital to assets | 9.2026% | 2,290 |
| Core capital (leverage) ratio | 10.6266% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7993% | 722 |
| Memoranda: | ||
| Average total assets | $184,198,250 | 3,099 |
| Average earning assets | $171,950,750 | 3,083 |
| Average equity | $16,632,500 | 3,108 |
| Average total loans | $130,905,000 | 2,856 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 2,387 |
| Cost of funding earning assets | 0.6040% | 3,738 |
| Net interest margin | 4.0106% | 1,223 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.2153% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7624% | 3,183 |
| Return on assets (ROA) | 0.7616% | 3,208 |
| Pretax return on assets | 1.0086% | 2,889 |
| Return on Equity (ROE) | 8.4900% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.3729% | 2,833 |
| Net charge-offs to loans | 0.1004% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 14.1212% | 1,883 |
| Efficiency ratio | 76.1026% | 1,169 |
| Assets per employee ($millions) | 4.3542% | 4,033 |
| Cash dividends to net income (ytd only)* | 36.6999% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 932 |
| Loan loss allowance to noncurrent loans | 285.8904% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 1,333 |
| Noncurrent loans to loans | 0.5603% | 1,338 |
| Net loans and leases to total assets | 70.1100% | 1,730 |
| Net loans and leases to deposits | 77.8414% | 2,147 |
| Net loans and leases to core deposits | 82.8263% | 2,276 |
| Total domestic deposits to total assets | 90.0700% | 908 |
| Equity capital to assets | 9.1548% | 2,409 |
| Core capital (leverage) ratio | 10.3055% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4463% | 766 |
| Memoranda: | ||
| Average total assets | $184,615,000 | 3,103 |
| Average earning assets | $172,193,000 | 3,089 |
| Average equity | $16,564,667 | 3,137 |
| Average total loans | $131,503,000 | 2,850 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 2,398 |
| Cost of funding earning assets | 0.4877% | 3,736 |
| Net interest margin | 3.9800% | 1,301 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.2801% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6616% | 3,547 |
| Return on assets (ROA) | 0.6599% | 3,510 |
| Pretax return on assets | 0.8734% | 3,304 |
| Return on Equity (ROE) | 7.4300% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.4290% | 2,383 |
| Net charge-offs to loans | 0.0636% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,470 |
| Efficiency ratio | 78.9310% | 915 |
| Assets per employee ($millions) | 4.3191% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 951 |
| Loan loss allowance to noncurrent loans | 262.5616% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,182 |
| Noncurrent loans to loans | 0.6206% | 1,209 |
| Net loans and leases to total assets | 69.3000% | 1,692 |
| Net loans and leases to deposits | 76.7768% | 2,058 |
| Net loans and leases to core deposits | 81.3429% | 2,156 |
| Total domestic deposits to total assets | 90.2600% | 1,066 |
| Equity capital to assets | 9.0049% | 2,514 |
| Core capital (leverage) ratio | 10.3385% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2338% | 815 |
| Memoranda: | ||
| Average total assets | $185,484,500 | 3,133 |
| Average earning assets | $173,067,000 | 3,120 |
| Average equity | $16,476,000 | 3,176 |
| Average total loans | $132,105,500 | 2,878 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 772 |
| Cost of funding earning assets | 0.2700% | 3,156 |
| Net interest margin | 4.1944% | 543 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.1168% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0289% | 2,462 |
| Return on assets (ROA) | 1.0289% | 2,402 |
| Pretax return on assets | 1.3104% | 2,057 |
| Return on Equity (ROE) | 11.7000% | 2,240 |
| Retained earnings to average equity (ytd only) | 7.7826% | 1,921 |
| Net charge-offs to loans | -0.0031% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.4020% | 1,630 |
| Assets per employee ($millions) | 4.3081% | 4,140 |
| Cash dividends to net income (ytd only)* | 33.4753% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 951 |
| Loan loss allowance to noncurrent loans | 347.8191% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 1,515 |
| Noncurrent loans to loans | 0.4641% | 1,545 |
| Net loans and leases to total assets | 70.8400% | 1,542 |
| Net loans and leases to deposits | 78.2084% | 1,923 |
| Net loans and leases to core deposits | 82.7382% | 1,951 |
| Total domestic deposits to total assets | 90.5700% | 1,125 |
| Equity capital to assets | 8.7601% | 2,525 |
| Core capital (leverage) ratio | 9.8855% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5082% | 895 |
| Memoranda: | ||
| Average total assets | $182,622,600 | 3,163 |
| Average earning assets | $171,108,400 | 3,137 |
| Average equity | $16,061,400 | 3,269 |
| Average total loans | $130,819,000 | 2,819 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 580 |
| Cost of funding earning assets | 0.2391% | 2,829 |
| Net interest margin | 4.1663% | 453 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.0344% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0523% | 2,278 |
| Return on assets (ROA) | 1.0523% | 2,241 |
| Pretax return on assets | 1.3935% | 1,735 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.3466% | 1,540 |
| Net charge-offs to loans | -0.0031% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5283% | 1,952 |
| Assets per employee ($millions) | 4.5273% | 4,034 |
| Cash dividends to net income (ytd only)* | 21.6876% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,061 |
| Loan loss allowance to noncurrent loans | 366.6099% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 1,678 |
| Noncurrent loans to loans | 0.4369% | 1,715 |
| Net loans and leases to total assets | 71.2200% | 1,375 |
| Net loans and leases to deposits | 77.8126% | 1,730 |
| Net loans and leases to core deposits | 82.3206% | 1,742 |
| Total domestic deposits to total assets | 91.5200% | 1,044 |
| Equity capital to assets | 8.2869% | 2,691 |
| Core capital (leverage) ratio | 9.9885% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0728% | 850 |
| Memoranda: | ||
| Average total assets | $181,690,500 | 3,193 |
| Average earning assets | $170,668,750 | 3,170 |
| Average equity | $16,019,750 | 3,314 |
| Average total loans | $130,180,000 | 2,825 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 467 |
| Cost of funding earning assets | 0.2257% | 2,573 |
| Net interest margin | 4.1398% | 375 |
| Noninterest income to average assets | 0.4890% | 2,262 |
| Noninterest expense to average assets | 2.9249% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0932% | 1,798 |
| Return on assets (ROA) | 1.0932% | 1,784 |
| Pretax return on assets | 1.4480% | 1,314 |
| Return on Equity (ROE) | 12.1486% | 1,630 |
| Retained earnings to average equity (ytd only) | 8.3167% | 1,505 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8864% | 2,394 |
| Assets per employee ($millions) | 4.5346% | 4,047 |
| Cash dividends to net income (ytd only)* | 31.5416% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 1,082 |
| Loan loss allowance to noncurrent loans | 401.6822% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 1,823 |
| Noncurrent loans to loans | 0.4065% | 1,909 |
| Net loans and leases to total assets | 71.3730% | 1,173 |
| Net loans and leases to deposits | 78.6155% | 1,494 |
| Net loans and leases to core deposits | 83.3612% | 1,489 |
| Total domestic deposits to total assets | 90.7876% | 1,346 |
| Equity capital to assets | 8.7267% | 2,594 |
| Core capital (leverage) ratio | 9.8718% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0302% | 848 |
| Memoranda: | ||
| Average total assets | $180,381,000 | 3,242 |
| Average earning assets | $169,234,000 | 3,225 |
| Average equity | $16,232,333 | 3,388 |
| Average total loans | $128,792,000 | 2,857 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 329 |
| Cost of funding earning assets | 0.2302% | 2,396 |
| Net interest margin | 4.2439% | 267 |
| Noninterest income to average assets | 0.4425% | 2,429 |
| Noninterest expense to average assets | 2.7307% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2742% | 1,061 |
| Return on assets (ROA) | 1.2742% | 1,054 |
| Pretax return on assets | 1.6878% | 699 |
| Return on Equity (ROE) | 13.9467% | 844 |
| Retained earnings to average equity (ytd only) | 13.9467% | 383 |
| Net charge-offs to loans | -0.0094% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8017% | 3,288 |
| Assets per employee ($millions) | 4.5160% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 1,067 |
| Loan loss allowance to noncurrent loans | 475.0552% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 2,142 |
| Noncurrent loans to loans | 0.3565% | 2,203 |
| Net loans and leases to total assets | 69.1576% | 1,101 |
| Net loans and leases to deposits | 76.4365% | 1,405 |
| Net loans and leases to core deposits | 80.9076% | 1,430 |
| Total domestic deposits to total assets | 90.4772% | 1,309 |
| Equity capital to assets | 8.9653% | 2,740 |
| Core capital (leverage) ratio | 9.9367% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4742% | 830 |
| Memoranda: | ||
| Average total assets | $179,879,000 | 3,257 |
| Average earning assets | $168,523,000 | 3,240 |
| Average equity | $16,434,000 | 3,438 |
| Average total loans | $127,383,500 | 2,876 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 958 |
| Cost of funding earning assets | 0.4027% | 1,527 |
| Net interest margin | 3.8211% | 965 |
| Noninterest income to average assets | 0.4717% | 2,715 |
| Noninterest expense to average assets | 2.9660% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8475% | 3,196 |
| Return on assets (ROA) | 0.8475% | 3,261 |
| Pretax return on assets | 1.0770% | 3,040 |
| Return on Equity (ROE) | 9.2143% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.3072% | 2,227 |
| Net charge-offs to loans | -0.3738% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3608% | 1,382 |
| Assets per employee ($millions) | 4.3687% | 4,219 |
| Cash dividends to net income (ytd only)* | 31.5504% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,083 |
| Loan loss allowance to noncurrent loans | 361.7845% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 1,910 |
| Noncurrent loans to loans | 0.4652% | 1,969 |
| Net loans and leases to total assets | 70.0877% | 1,033 |
| Net loans and leases to deposits | 77.8633% | 1,408 |
| Net loans and leases to core deposits | 82.6572% | 1,410 |
| Total domestic deposits to total assets | 90.0138% | 949 |
| Equity capital to assets | 9.3084% | 3,314 |
| Core capital (leverage) ratio | 9.6803% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5727% | 954 |
| Memoranda: | ||
| Average total assets | $174,275,200 | 3,257 |
| Average earning assets | $162,887,000 | 3,244 |
| Average equity | $16,029,400 | 3,540 |
| Average total loans | $126,549,600 | 2,896 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 1,080 |
| Cost of funding earning assets | 0.4341% | 1,459 |
| Net interest margin | 3.7853% | 1,144 |
| Noninterest income to average assets | 0.4692% | 2,756 |
| Noninterest expense to average assets | 2.8852% | 1,159 |
| Loan and lease loss provision to assets | 0.1156% | 1,039 |
| Net operating income to assets | 0.7565% | 3,637 |
| Return on assets (ROA) | 0.7565% | 3,700 |
| Pretax return on assets | 1.0023% | 3,449 |
| Return on Equity (ROE) | 8.2509% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.4025% | 2,648 |
| Net charge-offs to loans | 0.0063% | 2,084 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 241.8333% | 493 |
| Efficiency ratio | 72.0747% | 1,396 |
| Assets per employee ($millions) | 4.2901% | 4,273 |
| Cash dividends to net income (ytd only)* | 22.4033% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,833 |
| Loan loss allowance to noncurrent loans | 385.5932% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,429 |
| Noncurrent loans to loans | 0.3748% | 2,437 |
| Net loans and leases to total assets | 70.5588% | 1,032 |
| Net loans and leases to deposits | 78.6210% | 1,423 |
| Net loans and leases to core deposits | 83.7419% | 1,444 |
| Total domestic deposits to total assets | 89.7455% | 898 |
| Equity capital to assets | 9.2613% | 3,598 |
| Core capital (leverage) ratio | 9.7255% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3824% | 1,068 |
| Memoranda: | ||
| Average total assets | $173,064,750 | 3,298 |
| Average earning assets | $161,566,500 | 3,290 |
| Average equity | $15,868,500 | 3,596 |
| Average total loans | $126,265,000 | 2,931 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 1,174 |
| Cost of funding earning assets | 0.4674% | 1,402 |
| Net interest margin | 3.7419% | 1,236 |
| Noninterest income to average assets | 0.4450% | 2,873 |
| Noninterest expense to average assets | 2.9363% | 1,090 |
| Loan and lease loss provision to assets | 0.1394% | 869 |
| Net operating income to assets | 0.6472% | 3,881 |
| Return on assets (ROA) | 0.6472% | 3,943 |
| Pretax return on assets | 0.8575% | 3,755 |
| Return on Equity (ROE) | 7.0829% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.2854% | 3,430 |
| Net charge-offs to loans | 0.0174% | 1,600 |
| Credit loss provision to net charge-offs | 1,090.9091% | 449 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 849 |
| Efficiency ratio | 74.6529% | 1,192 |
| Assets per employee ($millions) | 4.2851% | 4,265 |
| Cash dividends to net income (ytd only)* | 39.4973% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,917 |
| Loan loss allowance to noncurrent loans | 418.0328% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,719 |
| Noncurrent loans to loans | 0.3378% | 2,699 |
| Net loans and leases to total assets | 70.9244% | 1,096 |
| Net loans and leases to deposits | 78.8592% | 1,537 |
| Net loans and leases to core deposits | 84.3741% | 1,532 |
| Total domestic deposits to total assets | 89.9380% | 812 |
| Equity capital to assets | 9.0119% | 3,784 |
| Core capital (leverage) ratio | 9.4394% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0314% | 1,112 |
| Memoranda: | ||
| Average total assets | $172,122,000 | 3,316 |
| Average earning assets | $160,454,333 | 3,304 |
| Average equity | $15,728,000 | 3,611 |
| Average total loans | $126,377,333 | 2,943 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 1,237 |
| Cost of funding earning assets | 0.4757% | 1,551 |
| Net interest margin | 3.7024% | 1,326 |
| Noninterest income to average assets | 0.4203% | 2,989 |
| Noninterest expense to average assets | 2.9353% | 1,099 |
| Loan and lease loss provision to assets | 0.1409% | 949 |
| Net operating income to assets | 0.6035% | 3,932 |
| Return on assets (ROA) | 0.6035% | 3,995 |
| Pretax return on assets | 0.7984% | 3,816 |
| Return on Equity (ROE) | 6.5580% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.5580% | 2,707 |
| Net charge-offs to loans | -0.0380% | 4,283 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7576% | 1,159 |
| Assets per employee ($millions) | 4.1157% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 2,002 |
| Loan loss allowance to noncurrent loans | 428.4314% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,961 |
| Noncurrent loans to loans | 0.3246% | 2,939 |
| Net loans and leases to total assets | 71.6924% | 1,070 |
| Net loans and leases to deposits | 80.6385% | 1,458 |
| Net loans and leases to core deposits | 85.5175% | 1,552 |
| Total domestic deposits to total assets | 88.9059% | 1,386 |
| Equity capital to assets | 9.1208% | 3,572 |
| Core capital (leverage) ratio | 9.7740% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9978% | 1,072 |
| Memoranda: | ||
| Average total assets | $170,338,000 | 3,331 |
| Average earning assets | $158,924,500 | 3,315 |
| Average equity | $15,675,500 | 3,618 |
| Average total loans | $126,370,000 | 2,942 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,045 |
| Cost of funding earning assets | 0.6756% | 1,846 |
| Net interest margin | 3.9532% | 1,082 |
| Noninterest income to average assets | 0.4872% | 2,686 |
| Noninterest expense to average assets | 3.0605% | 1,304 |
| Loan and lease loss provision to assets | 0.1495% | 2,502 |
| Net operating income to assets | 0.8062% | 3,068 |
| Return on assets (ROA) | 0.8062% | 3,184 |
| Pretax return on assets | 0.9558% | 3,197 |
| Return on Equity (ROE) | 8.3898% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.6343% | 1,977 |
| Net charge-offs to loans | 0.0897% | 1,559 |
| Credit loss provision to net charge-offs | 212.3894% | 2,101 |
| Earnings coverage of net charge-offs (x) | 15.6991% | 2,163 |
| Efficiency ratio | 73.4669% | 1,511 |
| Assets per employee ($millions) | 3.9957% | 4,382 |
| Cash dividends to net income (ytd only)* | 32.8439% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,321 |
| Loan loss allowance to noncurrent loans | 333.8645% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 2,760 |
| Noncurrent loans to loans | 0.3951% | 2,795 |
| Net loans and leases to total assets | 74.7178% | 936 |
| Net loans and leases to deposits | 84.1900% | 1,438 |
| Net loans and leases to core deposits | 89.0288% | 1,608 |
| Total domestic deposits to total assets | 88.7491% | 1,091 |
| Equity capital to assets | 9.4209% | 3,682 |
| Core capital (leverage) ratio | 9.8347% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1259% | 1,034 |
| Memoranda: | ||
| Average total assets | $160,497,600 | 3,279 |
| Average earning assets | $149,347,400 | 3,271 |
| Average equity | $15,423,400 | 3,620 |
| Average total loans | $125,974,800 | 2,911 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,099 |
| Cost of funding earning assets | 0.7221% | 1,891 |
| Net interest margin | 3.9601% | 1,214 |
| Noninterest income to average assets | 0.5033% | 2,606 |
| Noninterest expense to average assets | 3.0352% | 1,362 |
| Loan and lease loss provision to assets | 0.1513% | 2,505 |
| Net operating income to assets | 0.7546% | 3,270 |
| Return on assets (ROA) | 0.7546% | 3,377 |
| Pretax return on assets | 0.9991% | 3,072 |
| Return on Equity (ROE) | 7.8119% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.0285% | 2,095 |
| Net charge-offs to loans | 0.0605% | 1,739 |
| Credit loss provision to net charge-offs | 315.7895% | 1,715 |
| Earnings coverage of net charge-offs (x) | 24.0175% | 1,771 |
| Efficiency ratio | 72.5156% | 1,580 |
| Assets per employee ($millions) | 4.0240% | 4,292 |
| Cash dividends to net income (ytd only)* | 22.8285% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,094 |
| Loan loss allowance to noncurrent loans | 173.6241% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,978 |
| Noncurrent loans to loans | 0.7583% | 1,912 |
| Net loans and leases to total assets | 75.9574% | 1,104 |
| Net loans and leases to deposits | 85.7284% | 1,738 |
| Net loans and leases to core deposits | 91.2929% | 1,857 |
| Total domestic deposits to total assets | 88.6024% | 939 |
| Equity capital to assets | 9.5253% | 3,666 |
| Core capital (leverage) ratio | 10.0153% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8563% | 1,076 |
| Memoranda: | ||
| Average total assets | $158,667,500 | 3,285 |
| Average earning assets | $147,535,750 | 3,271 |
| Average equity | $15,326,750 | 3,623 |
| Average total loans | $125,702,000 | 2,919 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 1,331 |
| Cost of funding earning assets | 0.7710% | 1,992 |
| Net interest margin | 3.9595% | 1,423 |
| Noninterest income to average assets | 0.4790% | 2,657 |
| Noninterest expense to average assets | 3.1323% | 1,280 |
| Loan and lease loss provision to assets | 0.1533% | 2,470 |
| Net operating income to assets | 0.6553% | 3,562 |
| Return on assets (ROA) | 0.6553% | 3,655 |
| Pretax return on assets | 0.8674% | 3,408 |
| Return on Equity (ROE) | 6.7512% | 3,229 |
| Retained earnings to average equity (ytd only) | 4.0533% | 2,874 |
| Net charge-offs to loans | 0.0942% | 1,319 |
| Credit loss provision to net charge-offs | 203.3898% | 1,893 |
| Earnings coverage of net charge-offs (x) | 13.5424% | 1,991 |
| Efficiency ratio | 75.4229% | 1,316 |
| Assets per employee ($millions) | 3.9236% | 4,379 |
| Cash dividends to net income (ytd only)* | 39.9610% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,131 |
| Loan loss allowance to noncurrent loans | 193.9759% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,290 |
| Noncurrent loans to loans | 0.6571% | 2,219 |
| Net loans and leases to total assets | 77.5254% | 915 |
| Net loans and leases to deposits | 88.2280% | 1,532 |
| Net loans and leases to core deposits | 93.9783% | 1,740 |
| Total domestic deposits to total assets | 87.8694% | 1,245 |
| Equity capital to assets | 9.5409% | 3,623 |
| Core capital (leverage) ratio | 9.8759% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3605% | 1,169 |
| Memoranda: | ||
| Average total assets | $156,562,667 | 3,288 |
| Average earning assets | $145,271,667 | 3,274 |
| Average equity | $15,197,333 | 3,640 |
| Average total loans | $125,273,333 | 2,915 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 1,411 |
| Cost of funding earning assets | 0.7926% | 2,439 |
| Net interest margin | 4.0104% | 1,365 |
| Noninterest income to average assets | 0.5129% | 2,485 |
| Noninterest expense to average assets | 3.0930% | 1,658 |
| Loan and lease loss provision to assets | 0.1554% | 1,848 |
| Net operating income to assets | 0.7461% | 3,108 |
| Return on assets (ROA) | 0.7461% | 3,180 |
| Pretax return on assets | 0.9870% | 2,878 |
| Return on Equity (ROE) | 7.6180% | 2,672 |
| Retained earnings to average equity (ytd only) | 7.6180% | 1,340 |
| Net charge-offs to loans | 0.2020% | 683 |
| Credit loss provision to net charge-offs | 95.2381% | 1,876 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 1,952 |
| Efficiency ratio | 73.0275% | 1,933 |
| Assets per employee ($millions) | 3.7112% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,475 |
| Loan loss allowance to noncurrent loans | 155.5332% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 2,088 |
| Noncurrent loans to loans | 0.7947% | 2,021 |
| Net loans and leases to total assets | 79.2518% | 786 |
| Net loans and leases to deposits | 91.9128% | 1,290 |
| Net loans and leases to core deposits | 98.2080% | 1,606 |
| Total domestic deposits to total assets | 86.2250% | 1,906 |
| Equity capital to assets | 9.8256% | 3,936 |
| Core capital (leverage) ratio | 10.3317% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5608% | 1,222 |
| Memoranda: | ||
| Average total assets | $154,411,000 | 3,270 |
| Average earning assets | $143,327,000 | 3,261 |
| Average equity | $15,122,000 | 3,648 |
| Average total loans | $124,749,000 | 2,901 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 1,371 |
| Cost of funding earning assets | 0.7752% | 2,799 |
| Net interest margin | 4.2630% | 1,178 |
| Noninterest income to average assets | 0.5528% | 2,458 |
| Noninterest expense to average assets | 3.5226% | 935 |
| Loan and lease loss provision to assets | 0.1604% | 1,307 |
| Net operating income to assets | 0.6337% | 4,062 |
| Return on assets (ROA) | 0.6337% | 4,129 |
| Pretax return on assets | 0.8215% | 3,930 |
| Return on Equity (ROE) | 6.4684% | 3,750 |
| Retained earnings to average equity (ytd only) | 3.9302% | 2,999 |
| Net charge-offs to loans | 0.0441% | 2,508 |
| Credit loss provision to net charge-offs | 452.8302% | 643 |
| Earnings coverage of net charge-offs (x) | 27.7170% | 1,653 |
| Efficiency ratio | 78.2015% | 1,128 |
| Assets per employee ($millions) | 3.6417% | 4,336 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,197 |
| Loan loss allowance to noncurrent loans | 207.6408% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,091 |
| Noncurrent loans to loans | 0.5996% | 2,386 |
| Net loans and leases to total assets | 80.3345% | 742 |
| Net loans and leases to deposits | 93.0131% | 1,255 |
| Net loans and leases to core deposits | 99.4255% | 1,614 |
| Total domestic deposits to total assets | 86.3690% | 1,901 |
| Equity capital to assets | 9.7605% | 4,142 |
| Core capital (leverage) ratio | 10.0315% | 3,480 |
| Tier 1 risk-based capital ratio | 15.8654% | 2,452 |
| Total risk-based capital ratio | 17.1193% | 2,398 |
| Memoranda: | ||
| Average total assets | $149,607,200 | 3,304 |
| Average earning assets | $138,681,800 | 3,297 |
| Average equity | $14,655,800 | 3,670 |
| Average total loans | $120,250,400 | 2,944 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 1,443 |
| Cost of funding earning assets | 0.7485% | 2,976 |
| Net interest margin | 4.2919% | 1,180 |
| Noninterest income to average assets | 0.5655% | 2,383 |
| Noninterest expense to average assets | 3.5338% | 912 |
| Loan and lease loss provision to assets | 0.1210% | 1,619 |
| Net operating income to assets | 0.7412% | 3,878 |
| Return on assets (ROA) | 0.7412% | 3,942 |
| Pretax return on assets | 0.8881% | 3,916 |
| Return on Equity (ROE) | 7.5588% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,552 |
| Net charge-offs to loans | 0.0693% | 1,838 |
| Credit loss provision to net charge-offs | 217.7419% | 1,230 |
| Earnings coverage of net charge-offs (x) | 18.1624% | 2,063 |
| Efficiency ratio | 77.7865% | 1,125 |
| Assets per employee ($millions) | 3.6784% | 4,303 |
| Cash dividends to net income (ytd only)* | 25.5142% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,754 |
| Loan loss allowance to noncurrent loans | 181.4159% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,302 |
| Noncurrent loans to loans | 0.6359% | 2,382 |
| Net loans and leases to total assets | 79.5901% | 903 |
| Net loans and leases to deposits | 92.1761% | 1,414 |
| Net loans and leases to core deposits | 98.1866% | 1,814 |
| Total domestic deposits to total assets | 86.3457% | 1,846 |
| Equity capital to assets | 9.7318% | 4,261 |
| Core capital (leverage) ratio | 10.1933% | 3,431 |
| Tier 1 risk-based capital ratio | 15.7757% | 2,528 |
| Total risk-based capital ratio | 17.0285% | 2,466 |
| Memoranda: | ||
| Average total assets | $148,770,750 | 3,349 |
| Average earning assets | $137,870,250 | 3,345 |
| Average equity | $14,587,500 | 3,708 |
| Average total loans | $119,207,250 | 2,978 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,586 |
| Cost of funding earning assets | 0.6783% | 3,283 |
| Net interest margin | 4.2816% | 1,182 |
| Noninterest income to average assets | 0.5461% | 2,409 |
| Noninterest expense to average assets | 3.7763% | 680 |
| Loan and lease loss provision to assets | 0.1021% | 1,830 |
| Net operating income to assets | 0.5829% | 4,352 |
| Return on assets (ROA) | 0.5829% | 4,390 |
| Pretax return on assets | 0.6305% | 4,488 |
| Return on Equity (ROE) | 5.9287% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.0059% | 3,713 |
| Net charge-offs to loans | 0.0749% | 1,617 |
| Credit loss provision to net charge-offs | 170.4545% | 1,362 |
| Earnings coverage of net charge-offs (x) | 12.2273% | 2,166 |
| Efficiency ratio | 83.7511% | 672 |
| Assets per employee ($millions) | 3.6515% | 4,311 |
| Cash dividends to net income (ytd only)* | 49.2991% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 2,820 |
| Loan loss allowance to noncurrent loans | 81.5574% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 1,102 |
| Noncurrent loans to loans | 1.4030% | 1,107 |
| Net loans and leases to total assets | 78.4703% | 1,130 |
| Net loans and leases to deposits | 92.0569% | 1,483 |
| Net loans and leases to core deposits | 97.9641% | 1,891 |
| Total domestic deposits to total assets | 85.2411% | 2,367 |
| Equity capital to assets | 9.5354% | 4,370 |
| Core capital (leverage) ratio | 10.2989% | 3,287 |
| Tier 1 risk-based capital ratio | 15.5498% | 2,608 |
| Total risk-based capital ratio | 16.8017% | 2,535 |
| Memoranda: | ||
| Average total assets | $146,863,000 | 3,389 |
| Average earning assets | $135,932,000 | 3,395 |
| Average equity | $14,438,330 | 3,729 |
| Average total loans | $117,477,330 | 3,012 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 1,533 |
| Cost of funding earning assets | 0.6689% | 3,210 |
| Net interest margin | 4.2542% | 1,185 |
| Noninterest income to average assets | 0.4902% | 2,615 |
| Noninterest expense to average assets | 4.0414% | 509 |
| Loan and lease loss provision to assets | 0.0836% | 2,032 |
| Net operating income to assets | 0.4429% | 4,649 |
| Return on assets (ROA) | 0.4429% | 4,668 |
| Pretax return on assets | 0.2980% | 4,961 |
| Return on Equity (ROE) | 4.4334% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.4334% | 3,155 |
| Net charge-offs to loans | 0.0312% | 1,825 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 15.2222% | 1,753 |
| Efficiency ratio | 91.3728% | 347 |
| Assets per employee ($millions) | 3.5439% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,678 |
| Loan loss allowance to noncurrent loans | 74.6357% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 955 |
| Noncurrent loans to loans | 1.5846% | 1,001 |
| Net loans and leases to total assets | 79.5276% | 904 |
| Net loans and leases to deposits | 91.4459% | 1,461 |
| Net loans and leases to core deposits | 97.4662% | 1,821 |
| Total domestic deposits to total assets | 86.9668% | 1,833 |
| Equity capital to assets | 9.9609% | 3,862 |
| Core capital (leverage) ratio | 10.5670% | 2,978 |
| Tier 1 risk-based capital ratio | 16.1764% | 2,369 |
| Total risk-based capital ratio | 17.4293% | 2,319 |
| Memoranda: | ||
| Average total assets | $143,612,000 | 3,471 |
| Average earning assets | $132,764,000 | 3,473 |
| Average equity | $14,345,500 | 3,752 |
| Average total loans | $115,346,500 | 3,072 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,214 |
| Cost of funding earning assets | 0.4254% | 3,826 |
| Net interest margin | 4.5002% | 761 |
| Noninterest income to average assets | 0.6238% | 2,177 |
| Noninterest expense to average assets | 3.5139% | 978 |
| Loan and lease loss provision to assets | 0.1031% | 2,132 |
| Net operating income to assets | 0.9199% | 3,366 |
| Return on assets (ROA) | 0.9199% | 3,355 |
| Pretax return on assets | 1.2064% | 2,855 |
| Return on Equity (ROE) | 9.1327% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.7765% | 2,307 |
| Net charge-offs to loans | 0.0393% | 2,617 |
| Credit loss provision to net charge-offs | 325.5814% | 962 |
| Earnings coverage of net charge-offs (x) | 41.3488% | 1,280 |
| Efficiency ratio | 72.8508% | 1,787 |
| Assets per employee ($millions) | 3.4616% | 4,591 |
| Cash dividends to net income (ytd only)* | 36.7494% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,587 |
| Loan loss allowance to noncurrent loans | 71.6842% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.4888% | 793 |
| Noncurrent loans to loans | 1.6702% | 871 |
| Net loans and leases to total assets | 79.1934% | 1,063 |
| Net loans and leases to deposits | 91.3841% | 1,617 |
| Net loans and leases to core deposits | 97.2864% | 1,944 |
| Total domestic deposits to total assets | 86.6599% | 1,939 |
| Equity capital to assets | 10.0179% | 3,668 |
| Core capital (leverage) ratio | 10.7470% | 2,792 |
| Tier 1 risk-based capital ratio | 16.3277% | 2,294 |
| Total risk-based capital ratio | 17.5805% | 2,239 |
| Memoranda: | ||
| Average total assets | $135,773,200 | 3,568 |
| Average earning assets | $126,704,800 | 3,552 |
| Average equity | $13,676,200 | 3,789 |
| Average total loans | $109,391,600 | 3,139 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 1,124 |
| Cost of funding earning assets | 0.3819% | 3,985 |
| Net interest margin | 4.5342% | 691 |
| Noninterest income to average assets | 0.6506% | 2,066 |
| Noninterest expense to average assets | 3.4158% | 1,095 |
| Loan and lease loss provision to assets | 0.0944% | 2,090 |
| Net operating income to assets | 1.0538% | 2,856 |
| Return on assets (ROA) | 1.0538% | 2,867 |
| Pretax return on assets | 1.3856% | 2,281 |
| Return on Equity (ROE) | 10.4472% | 2,414 |
| Retained earnings to average equity (ytd only) | 8.0151% | 1,644 |
| Net charge-offs to loans | 0.0382% | 2,319 |
| Credit loss provision to net charge-offs | 306.4516% | 1,010 |
| Earnings coverage of net charge-offs (x) | 48.0673% | 1,198 |
| Efficiency ratio | 69.7707% | 2,235 |
| Assets per employee ($millions) | 3.3530% | 4,723 |
| Cash dividends to net income (ytd only)* | 23.2803% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,727 |
| Loan loss allowance to noncurrent loans | 216.4495% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 2,435 |
| Noncurrent loans to loans | 0.5462% | 2,744 |
| Net loans and leases to total assets | 80.8022% | 900 |
| Net loans and leases to deposits | 93.4923% | 1,435 |
| Net loans and leases to core deposits | 100.1885% | 1,776 |
| Total domestic deposits to total assets | 86.4265% | 2,001 |
| Equity capital to assets | 10.1452% | 3,497 |
| Core capital (leverage) ratio | 11.0599% | 2,523 |
| Tier 1 risk-based capital ratio | 17.0352% | 2,096 |
| Total risk-based capital ratio | 18.2882% | 2,038 |
| Memoranda: | ||
| Average total assets | $134,235,000 | 3,618 |
| Average earning assets | $125,679,000 | 3,598 |
| Average equity | $13,540,750 | 3,838 |
| Average total loans | $108,300,000 | 3,186 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,067 |
| Cost of funding earning assets | 0.3702% | 3,934 |
| Net interest margin | 4.5068% | 691 |
| Noninterest income to average assets | 0.6369% | 2,149 |
| Noninterest expense to average assets | 3.4877% | 1,010 |
| Loan and lease loss provision to assets | 0.0976% | 1,986 |
| Net operating income to assets | 0.9703% | 3,143 |
| Return on assets (ROA) | 0.9703% | 3,147 |
| Pretax return on assets | 1.2752% | 2,612 |
| Return on Equity (ROE) | 9.6380% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,584 |
| Net charge-offs to loans | 0.0150% | 2,645 |
| Credit loss provision to net charge-offs | 812.5000% | 494 |
| Earnings coverage of net charge-offs (x) | 114.2500% | 631 |
| Efficiency ratio | 71.7553% | 2,041 |
| Assets per employee ($millions) | 3.1853% | 4,944 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,801 |
| Loan loss allowance to noncurrent loans | 227.5387% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,629 |
| Noncurrent loans to loans | 0.5221% | 2,854 |
| Net loans and leases to total assets | 82.1949% | 689 |
| Net loans and leases to deposits | 93.4614% | 1,423 |
| Net loans and leases to core deposits | 99.8221% | 1,753 |
| Total domestic deposits to total assets | 87.9453% | 1,408 |
| Equity capital to assets | 10.1194% | 3,518 |
| Core capital (leverage) ratio | 10.9801% | 2,540 |
| Tier 1 risk-based capital ratio | 16.7539% | 2,180 |
| Total risk-based capital ratio | 18.0074% | 2,122 |
| Memoranda: | ||
| Average total assets | $133,155,330 | 3,659 |
| Average earning assets | $124,789,670 | 3,634 |
| Average equity | $13,405,330 | 3,884 |
| Average total loans | $106,929,670 | 3,222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,343 |
| Cost of funding earning assets | 0.3628% | 3,895 |
| Net interest margin | 4.3216% | 918 |
| Noninterest income to average assets | 0.6143% | 2,195 |
| Noninterest expense to average assets | 3.3995% | 1,166 |
| Loan and lease loss provision to assets | 0.0903% | 1,999 |
| Net operating income to assets | 0.8973% | 3,303 |
| Return on assets (ROA) | 0.8973% | 3,311 |
| Pretax return on assets | 1.1773% | 2,852 |
| Return on Equity (ROE) | 8.9362% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.9362% | 1,477 |
| Net charge-offs to loans | -0.0305% | 4,749 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8387% | 2,066 |
| Assets per employee ($millions) | 3.0977% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,588 |
| Loan loss allowance to noncurrent loans | 161.6625% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 2,230 |
| Noncurrent loans to loans | 0.7660% | 2,285 |
| Net loans and leases to total assets | 78.0193% | 1,233 |
| Net loans and leases to deposits | 89.2710% | 1,784 |
| Net loans and leases to core deposits | 95.3003% | 2,032 |
| Total domestic deposits to total assets | 87.3959% | 1,955 |
| Equity capital to assets | 10.0951% | 3,506 |
| Core capital (leverage) ratio | 11.0062% | 2,431 |
| Tier 1 risk-based capital ratio | 17.5444% | 1,959 |
| Total risk-based capital ratio | 18.7983% | 1,916 |
| Memoranda: | ||
| Average total assets | $132,842,000 | 3,696 |
| Average earning assets | $124,583,500 | 3,669 |
| Average equity | $13,339,000 | 3,925 |
| Average total loans | $104,752,500 | 3,277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 943 |
| Cost of funding earning assets | 0.3471% | 3,742 |
| Net interest margin | 4.4709% | 663 |
| Noninterest income to average assets | 0.7327% | 1,833 |
| Noninterest expense to average assets | 3.6137% | 886 |
| Loan and lease loss provision to assets | 0.0921% | 2,358 |
| Net operating income to assets | 0.4738% | 4,446 |
| Return on assets (ROA) | 0.4826% | 4,451 |
| Pretax return on assets | 1.2214% | 2,681 |
| Return on Equity (ROE) | 4.6730% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.9836% | 4,132 |
| Net charge-offs to loans | 0.1410% | 1,662 |
| Credit loss provision to net charge-offs | 83.9161% | 2,886 |
| Earnings coverage of net charge-offs (x) | 11.8462% | 2,527 |
| Efficiency ratio | 73.5478% | 1,972 |
| Assets per employee ($millions) | 3.0109% | 5,191 |
| Cash dividends to net income (ytd only)* | 57.5517% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,698 |
| Loan loss allowance to noncurrent loans | 236.8914% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 2,850 |
| Noncurrent loans to loans | 0.5121% | 2,981 |
| Net loans and leases to total assets | 77.7568% | 1,310 |
| Net loans and leases to deposits | 90.0314% | 1,771 |
| Net loans and leases to core deposits | 96.2109% | 2,006 |
| Total domestic deposits to total assets | 86.3663% | 2,287 |
| Equity capital to assets | 9.9871% | 3,724 |
| Core capital (leverage) ratio | 10.7199% | 2,623 |
| Tier 1 risk-based capital ratio | 17.5083% | 1,942 |
| Total risk-based capital ratio | 18.7626% | 1,893 |
| Memoranda: | ||
| Average total assets | $130,338,400 | 3,742 |
| Average earning assets | $121,876,800 | 3,713 |
| Average equity | $13,460,200 | 3,921 |
| Average total loans | $101,449,600 | 3,327 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 905 |
| Cost of funding earning assets | 0.3462% | 3,711 |
| Net interest margin | 4.4672% | 644 |
| Noninterest income to average assets | 0.7622% | 1,728 |
| Noninterest expense to average assets | 3.3753% | 1,195 |
| Loan and lease loss provision to assets | 0.0935% | 2,213 |
| Net operating income to assets | 0.9819% | 2,632 |
| Return on assets (ROA) | 0.9943% | 2,633 |
| Pretax return on assets | 1.4873% | 1,814 |
| Return on Equity (ROE) | 9.5478% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.6639% | 1,362 |
| Net charge-offs to loans | 0.1151% | 1,641 |
| Credit loss provision to net charge-offs | 104.5977% | 2,213 |
| Earnings coverage of net charge-offs (x) | 17.4823% | 2,101 |
| Efficiency ratio | 68.3586% | 2,812 |
| Assets per employee ($millions) | 3.0793% | 5,198 |
| Cash dividends to net income (ytd only)* | 19.7314% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,671 |
| Loan loss allowance to noncurrent loans | 222.3752% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 2,964 |
| Noncurrent loans to loans | 0.5596% | 3,019 |
| Net loans and leases to total assets | 77.4341% | 1,362 |
| Net loans and leases to deposits | 89.8615% | 1,825 |
| Net loans and leases to core deposits | 95.9732% | 2,077 |
| Total domestic deposits to total assets | 86.1704% | 2,243 |
| Equity capital to assets | 10.5202% | 3,352 |
| Core capital (leverage) ratio | 11.1047% | 2,364 |
| Tier 1 risk-based capital ratio | 17.7004% | 1,946 |
| Total risk-based capital ratio | 18.9547% | 1,881 |
| Memoranda: | ||
| Average total assets | $129,802,750 | 3,786 |
| Average earning assets | $121,326,000 | 3,762 |
| Average equity | $13,517,500 | 3,950 |
| Average total loans | $100,742,500 | 3,370 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 811 |
| Cost of funding earning assets | 0.3505% | 3,576 |
| Net interest margin | 4.4772% | 596 |
| Noninterest income to average assets | 0.7585% | 1,732 |
| Noninterest expense to average assets | 3.3676% | 1,237 |
| Loan and lease loss provision to assets | 0.0931% | 2,131 |
| Net operating income to assets | 0.9881% | 2,484 |
| Return on assets (ROA) | 0.9974% | 2,485 |
| Pretax return on assets | 1.4922% | 1,679 |
| Return on Equity (ROE) | 9.6114% | 2,210 |
| Retained earnings to average equity (ytd only) | 7.2347% | 1,481 |
| Net charge-offs to loans | 0.1845% | 1,074 |
| Credit loss provision to net charge-offs | 65.2174% | 2,421 |
| Earnings coverage of net charge-offs (x) | 11.0109% | 2,305 |
| Efficiency ratio | 68.1847% | 2,977 |
| Assets per employee ($millions) | 2.9124% | 5,343 |
| Cash dividends to net income (ytd only)* | 24.7278% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,782 |
| Loan loss allowance to noncurrent loans | 213.9693% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 2,937 |
| Noncurrent loans to loans | 0.5778% | 2,999 |
| Net loans and leases to total assets | 78.2955% | 1,200 |
| Net loans and leases to deposits | 91.1487% | 1,591 |
| Net loans and leases to core deposits | 97.8610% | 1,821 |
| Total domestic deposits to total assets | 85.8987% | 2,416 |
| Equity capital to assets | 10.6529% | 3,171 |
| Core capital (leverage) ratio | 11.0745% | 2,337 |
| Tier 1 risk-based capital ratio | 17.8018% | 1,920 |
| Total risk-based capital ratio | 19.0555% | 1,873 |
| Memoranda: | ||
| Average total assets | $128,933,000 | 3,826 |
| Average earning assets | $120,388,330 | 3,803 |
| Average equity | $13,380,000 | 3,981 |
| Average total loans | $99,715,330 | 3,404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 787 |
| Cost of funding earning assets | 0.3477% | 3,558 |
| Net interest margin | 4.4304% | 605 |
| Noninterest income to average assets | 0.7176% | 1,879 |
| Noninterest expense to average assets | 3.2568% | 1,463 |
| Loan and lease loss provision to assets | 0.0959% | 1,949 |
| Net operating income to assets | 1.0021% | 2,291 |
| Return on assets (ROA) | 1.0021% | 2,342 |
| Pretax return on assets | 1.5032% | 1,522 |
| Return on Equity (ROE) | 9.7852% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.7852% | 864 |
| Net charge-offs to loans | 0.1093% | 1,300 |
| Credit loss provision to net charge-offs | 114.8148% | 1,442 |
| Earnings coverage of net charge-offs (x) | 19.1481% | 1,541 |
| Efficiency ratio | 67.0701% | 3,332 |
| Assets per employee ($millions) | 3.0314% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,525 |
| Loan loss allowance to noncurrent loans | 200.6211% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 2,875 |
| Noncurrent loans to loans | 0.6490% | 2,881 |
| Net loans and leases to total assets | 75.1406% | 1,553 |
| Net loans and leases to deposits | 87.8509% | 1,823 |
| Net loans and leases to core deposits | 94.5981% | 1,923 |
| Total domestic deposits to total assets | 85.5319% | 2,875 |
| Equity capital to assets | 10.3069% | 3,398 |
| Core capital (leverage) ratio | 10.9011% | 2,477 |
| Tier 1 risk-based capital ratio | 18.1132% | 1,832 |
| Total risk-based capital ratio | 19.3687% | 1,798 |
| Memoranda: | ||
| Average total assets | $129,327,500 | 3,854 |
| Average earning assets | $120,803,000 | 3,827 |
| Average equity | $13,244,500 | 4,025 |
| Average total loans | $98,779,500 | 3,442 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 861 |
| Cost of funding earning assets | 0.4210% | 2,799 |
| Net interest margin | 4.3956% | 783 |
| Noninterest income to average assets | 0.7441% | 1,979 |
| Noninterest expense to average assets | 3.5991% | 1,018 |
| Loan and lease loss provision to assets | 0.1708% | 1,426 |
| Net operating income to assets | 0.7479% | 3,547 |
| Return on assets (ROA) | 0.7479% | 3,667 |
| Pretax return on assets | 1.0805% | 3,172 |
| Return on Equity (ROE) | 7.6524% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.5992% | 2,636 |
| Net charge-offs to loans | 0.1483% | 1,781 |
| Credit loss provision to net charge-offs | 154.1096% | 1,780 |
| Earnings coverage of net charge-offs (x) | 11.2877% | 2,554 |
| Efficiency ratio | 74.2016% | 2,262 |
| Assets per employee ($millions) | 2.9839% | 5,365 |
| Cash dividends to net income (ytd only)* | 39.8985% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,492 |
| Loan loss allowance to noncurrent loans | 154.9940% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 2,518 |
| Noncurrent loans to loans | 0.8452% | 2,413 |
| Net loans and leases to total assets | 75.6270% | 1,576 |
| Net loans and leases to deposits | 88.2199% | 1,894 |
| Net loans and leases to core deposits | 95.5520% | 1,963 |
| Total domestic deposits to total assets | 85.7255% | 2,714 |
| Equity capital to assets | 10.1741% | 3,514 |
| Core capital (leverage) ratio | 10.5416% | 2,837 |
| Tier 1 risk-based capital ratio | 17.6697% | 1,956 |
| Total risk-based capital ratio | 18.9245% | 1,917 |
| Memoranda: | ||
| Average total assets | $131,697,800 | 3,801 |
| Average earning assets | $123,032,400 | 3,769 |
| Average equity | $12,871,800 | 4,109 |
| Average total loans | $98,438,800 | 3,415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 893 |
| Cost of funding earning assets | 0.4284% | 2,750 |
| Net interest margin | 4.3719% | 815 |
| Noninterest income to average assets | 0.7615% | 1,923 |
| Noninterest expense to average assets | 3.6002% | 998 |
| Loan and lease loss provision to assets | 0.1962% | 1,091 |
| Net operating income to assets | 0.7021% | 3,839 |
| Return on assets (ROA) | 0.7021% | 3,968 |
| Pretax return on assets | 1.0512% | 3,424 |
| Return on Equity (ROE) | 7.2557% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.0520% | 2,790 |
| Net charge-offs to loans | 0.0745% | 2,256 |
| Credit loss provision to net charge-offs | 354.5455% | 921 |
| Earnings coverage of net charge-offs (x) | 22.5459% | 1,750 |
| Efficiency ratio | 74.2685% | 2,232 |
| Assets per employee ($millions) | 3.1292% | 5,263 |
| Cash dividends to net income (ytd only)* | 30.3726% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,430 |
| Loan loss allowance to noncurrent loans | 150.5580% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 2,185 |
| Noncurrent loans to loans | 0.8981% | 2,456 |
| Net loans and leases to total assets | 74.8847% | 1,727 |
| Net loans and leases to deposits | 87.4236% | 2,092 |
| Net loans and leases to core deposits | 94.9962% | 2,103 |
| Total domestic deposits to total assets | 85.6573% | 2,534 |
| Equity capital to assets | 9.9508% | 4,174 |
| Core capital (leverage) ratio | 10.4168% | 3,090 |
| Tier 1 risk-based capital ratio | 17.2747% | 2,140 |
| Total risk-based capital ratio | 18.5300% | 2,097 |
| Memoranda: | ||
| Average total assets | $132,545,750 | 3,814 |
| Average earning assets | $123,877,750 | 3,780 |
| Average equity | $12,826,250 | 4,152 |
| Average total loans | $98,468,000 | 3,418 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 931 |
| Cost of funding earning assets | 0.4298% | 2,738 |
| Net interest margin | 4.3458% | 858 |
| Noninterest income to average assets | 0.7283% | 2,015 |
| Noninterest expense to average assets | 3.4216% | 1,334 |
| Loan and lease loss provision to assets | 0.2332% | 860 |
| Net operating income to assets | 0.7584% | 3,511 |
| Return on assets (ROA) | 0.7584% | 3,652 |
| Pretax return on assets | 1.1360% | 3,054 |
| Return on Equity (ROE) | 7.9106% | 3,026 |
| Retained earnings to average equity (ytd only) | 4.5831% | 2,992 |
| Net charge-offs to loans | 0.2142% | 1,097 |
| Credit loss provision to net charge-offs | 147.6190% | 1,610 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,500 |
| Efficiency ratio | 71.4196% | 2,756 |
| Assets per employee ($millions) | 3.0772% | 5,346 |
| Cash dividends to net income (ytd only)* | 42.0635% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,985 |
| Loan loss allowance to noncurrent loans | 88.5373% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 1,543 |
| Noncurrent loans to loans | 1.4294% | 1,549 |
| Net loans and leases to total assets | 74.2318% | 1,797 |
| Net loans and leases to deposits | 88.0228% | 1,995 |
| Net loans and leases to core deposits | 95.8778% | 1,988 |
| Total domestic deposits to total assets | 84.3324% | 3,147 |
| Equity capital to assets | 9.7371% | 4,524 |
| Core capital (leverage) ratio | 10.1215% | 3,423 |
| Tier 1 risk-based capital ratio | 16.7668% | 2,326 |
| Total risk-based capital ratio | 18.0201% | 2,270 |
| Memoranda: | ||
| Average total assets | $132,919,000 | 3,828 |
| Average earning assets | $124,257,330 | 3,794 |
| Average equity | $12,742,330 | 4,194 |
| Average total loans | $98,035,000 | 3,440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 930 |
| Cost of funding earning assets | 0.4337% | 2,738 |
| Net interest margin | 4.3238% | 882 |
| Noninterest income to average assets | 0.7506% | 1,819 |
| Noninterest expense to average assets | 3.2818% | 1,649 |
| Loan and lease loss provision to assets | 0.1952% | 1,015 |
| Net operating income to assets | 0.8767% | 2,868 |
| Return on assets (ROA) | 0.8767% | 2,982 |
| Pretax return on assets | 1.3151% | 2,239 |
| Return on Equity (ROE) | 9.2175% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.2175% | 1,047 |
| Net charge-offs to loans | 0.1685% | 1,129 |
| Credit loss provision to net charge-offs | 158.5366% | 1,235 |
| Earnings coverage of net charge-offs (x) | 12.2683% | 1,806 |
| Efficiency ratio | 68.4837% | 3,377 |
| Assets per employee ($millions) | 3.0969% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 3,093 |
| Loan loss allowance to noncurrent loans | 87.1378% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 1,571 |
| Noncurrent loans to loans | 1.4498% | 1,631 |
| Net loans and leases to total assets | 72.3633% | 1,975 |
| Net loans and leases to deposits | 82.7521% | 2,461 |
| Net loans and leases to core deposits | 89.7988% | 2,395 |
| Total domestic deposits to total assets | 87.4458% | 1,963 |
| Equity capital to assets | 9.6473% | 4,504 |
| Core capital (leverage) ratio | 10.1136% | 3,409 |
| Tier 1 risk-based capital ratio | 17.2031% | 2,214 |
| Total risk-based capital ratio | 18.4571% | 2,182 |
| Memoranda: | ||
| Average total assets | $133,219,500 | 3,856 |
| Average earning assets | $124,521,000 | 3,819 |
| Average equity | $12,671,500 | 4,213 |
| Average total loans | $97,312,000 | 3,464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 896 |
| Cost of funding earning assets | 0.4824% | 2,335 |
| Net interest margin | 4.3375% | 891 |
| Noninterest income to average assets | 0.6654% | 2,375 |
| Noninterest expense to average assets | 3.6185% | 1,094 |
| Loan and lease loss provision to assets | 0.1825% | 1,236 |
| Net operating income to assets | 0.6357% | 4,108 |
| Return on assets (ROA) | 0.6540% | 4,115 |
| Pretax return on assets | 0.9179% | 3,776 |
| Return on Equity (ROE) | 7.0108% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.3614% | 2,877 |
| Net charge-offs to loans | 0.1311% | 2,058 |
| Credit loss provision to net charge-offs | 193.5484% | 1,432 |
| Earnings coverage of net charge-offs (x) | 11.3952% | 2,583 |
| Efficiency ratio | 77.1026% | 2,105 |
| Assets per employee ($millions) | 3.2505% | 5,226 |
| Cash dividends to net income (ytd only)* | 37.7907% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 3,199 |
| Loan loss allowance to noncurrent loans | 75.7519% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4354% | 1,447 |
| Noncurrent loans to loans | 1.6449% | 1,385 |
| Net loans and leases to total assets | 71.8966% | 2,074 |
| Net loans and leases to deposits | 81.7888% | 2,616 |
| Net loans and leases to core deposits | 89.3333% | 2,462 |
| Total domestic deposits to total assets | 87.9052% | 1,681 |
| Equity capital to assets | 9.3763% | 4,702 |
| Core capital (leverage) ratio | 9.8090% | 3,756 |
| Tier 1 risk-based capital ratio | 16.9388% | 2,302 |
| Total risk-based capital ratio | 18.1932% | 2,251 |
| Memoranda: | ||
| Average total assets | $131,491,200 | 3,861 |
| Average earning assets | $122,098,000 | 3,837 |
| Average equity | $12,266,800 | 4,252 |
| Average total loans | $94,592,000 | 3,488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 910 |
| Cost of funding earning assets | 0.4943% | 2,274 |
| Net interest margin | 4.3203% | 923 |
| Noninterest income to average assets | 0.6339% | 2,564 |
| Noninterest expense to average assets | 3.5518% | 1,199 |
| Loan and lease loss provision to assets | 0.1831% | 1,134 |
| Net operating income to assets | 0.6005% | 4,384 |
| Return on assets (ROA) | 0.6237% | 4,378 |
| Pretax return on assets | 0.9350% | 3,869 |
| Return on Equity (ROE) | 6.6940% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.9141% | 2,977 |
| Net charge-offs to loans | 0.1376% | 1,750 |
| Credit loss provision to net charge-offs | 185.5670% | 1,428 |
| Earnings coverage of net charge-offs (x) | 10.9794% | 2,542 |
| Efficiency ratio | 76.6242% | 2,142 |
| Assets per employee ($millions) | 3.1296% | 5,390 |
| Cash dividends to net income (ytd only)* | 26.5909% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,432 |
| Loan loss allowance to noncurrent loans | 88.2221% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 1,895 |
| Noncurrent loans to loans | 1.4051% | 1,809 |
| Net loans and leases to total assets | 69.6197% | 2,447 |
| Net loans and leases to deposits | 79.1488% | 2,973 |
| Net loans and leases to core deposits | 85.8423% | 2,868 |
| Total domestic deposits to total assets | 87.9605% | 1,587 |
| Equity capital to assets | 9.2990% | 5,007 |
| Core capital (leverage) ratio | 10.1077% | 3,493 |
| Tier 1 risk-based capital ratio | 16.9683% | 2,390 |
| Total risk-based capital ratio | 18.2213% | 2,335 |
| Memoranda: | ||
| Average total assets | $131,046,000 | 3,913 |
| Average earning assets | $121,377,750 | 3,895 |
| Average equity | $12,209,500 | 4,316 |
| Average total loans | $93,983,250 | 3,532 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 838 |
| Cost of funding earning assets | 0.5119% | 2,147 |
| Net interest margin | 4.3206% | 883 |
| Noninterest income to average assets | 0.5313% | 3,161 |
| Noninterest expense to average assets | 3.5466% | 1,223 |
| Loan and lease loss provision to assets | 0.1848% | 1,098 |
| Net operating income to assets | 0.5266% | 4,660 |
| Return on assets (ROA) | 0.5482% | 4,674 |
| Pretax return on assets | 0.8224% | 4,242 |
| Return on Equity (ROE) | 5.8804% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.2045% | 4,007 |
| Net charge-offs to loans | 0.1665% | 1,468 |
| Credit loss provision to net charge-offs | 153.8462% | 1,512 |
| Earnings coverage of net charge-offs (x) | 8.1154% | 2,595 |
| Efficiency ratio | 78.4401% | 1,996 |
| Assets per employee ($millions) | 2.9650% | 5,633 |
| Cash dividends to net income (ytd only)* | 45.5056% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,801 |
| Loan loss allowance to noncurrent loans | 84.7647% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 1,911 |
| Noncurrent loans to loans | 1.4138% | 1,903 |
| Net loans and leases to total assets | 73.3964% | 1,758 |
| Net loans and leases to deposits | 82.3341% | 2,515 |
| Net loans and leases to core deposits | 89.0140% | 2,449 |
| Total domestic deposits to total assets | 89.1446% | 1,074 |
| Equity capital to assets | 9.5479% | 4,596 |
| Core capital (leverage) ratio | 9.8665% | 3,779 |
| Tier 1 risk-based capital ratio | 17.2553% | 2,304 |
| Total risk-based capital ratio | 18.5092% | 2,262 |
| Memoranda: | ||
| Average total assets | $129,870,000 | 3,963 |
| Average earning assets | $119,938,000 | 3,944 |
| Average equity | $12,108,000 | 4,361 |
| Average total loans | $93,689,000 | 3,561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 907 |
| Cost of funding earning assets | 0.5333% | 1,981 |
| Net interest margin | 4.2368% | 999 |
| Noninterest income to average assets | 0.6165% | 2,569 |
| Noninterest expense to average assets | 3.4153% | 1,463 |
| Loan and lease loss provision to assets | 0.1831% | 1,041 |
| Net operating income to assets | 0.6133% | 4,229 |
| Return on assets (ROA) | 0.6562% | 4,141 |
| Pretax return on assets | 0.9858% | 3,554 |
| Return on Equity (ROE) | 7.1219% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.1219% | 1,966 |
| Net charge-offs to loans | 0.0472% | 2,321 |
| Credit loss provision to net charge-offs | 545.4545% | 507 |
| Earnings coverage of net charge-offs (x) | 32.9091% | 1,089 |
| Efficiency ratio | 75.5571% | 2,573 |
| Assets per employee ($millions) | 2.9794% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 3,795 |
| Loan loss allowance to noncurrent loans | 92.6948% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 2,132 |
| Noncurrent loans to loans | 1.3253% | 2,174 |
| Net loans and leases to total assets | 70.0386% | 2,137 |
| Net loans and leases to deposits | 78.5536% | 2,732 |
| Net loans and leases to core deposits | 84.6799% | 2,696 |
| Total domestic deposits to total assets | 89.1603% | 1,167 |
| Equity capital to assets | 9.3568% | 4,901 |
| Core capital (leverage) ratio | 9.7754% | 3,922 |
| Tier 1 risk-based capital ratio | 17.4812% | 2,308 |
| Total risk-based capital ratio | 18.7344% | 2,264 |
| Memoranda: | ||
| Average total assets | $131,058,000 | 3,969 |
| Average earning assets | $120,750,500 | 3,958 |
| Average equity | $12,075,500 | 4,404 |
| Average total loans | $93,178,000 | 3,590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 827 |
| Cost of funding earning assets | 0.6323% | 1,538 |
| Net interest margin | 4.3345% | 989 |
| Noninterest income to average assets | 0.6771% | 2,422 |
| Noninterest expense to average assets | 3.4939% | 1,497 |
| Loan and lease loss provision to assets | 0.0819% | 2,843 |
| Net operating income to assets | 0.7372% | 3,697 |
| Return on assets (ROA) | 0.7372% | 3,804 |
| Pretax return on assets | 1.1014% | 3,080 |
| Return on Equity (ROE) | 8.0671% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.7366% | 2,112 |
| Net charge-offs to loans | 0.1968% | 2,090 |
| Credit loss provision to net charge-offs | 57.6923% | 3,328 |
| Earnings coverage of net charge-offs (x) | 8.3352% | 2,899 |
| Efficiency ratio | 74.6998% | 2,717 |
| Assets per employee ($millions) | 2.9778% | 5,727 |
| Cash dividends to net income (ytd only)* | 28.8889% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,168 |
| Loan loss allowance to noncurrent loans | 93.3390% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 2,289 |
| Noncurrent loans to loans | 1.2538% | 2,356 |
| Net loans and leases to total assets | 70.4497% | 2,165 |
| Net loans and leases to deposits | 78.5830% | 2,899 |
| Net loans and leases to core deposits | 86.9859% | 2,609 |
| Total domestic deposits to total assets | 89.6500% | 901 |
| Equity capital to assets | 9.0709% | 5,213 |
| Core capital (leverage) ratio | 9.6643% | 4,023 |
| Tier 1 risk-based capital ratio | 15.9943% | 2,963 |
| Total risk-based capital ratio | 17.2454% | 2,905 |
| Memoranda: | ||
| Average total assets | $128,195,600 | 4,010 |
| Average earning assets | $118,306,200 | 4,001 |
| Average equity | $11,714,200 | 4,415 |
| Average total loans | $92,476,000 | 3,574 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 842 |
| Cost of funding earning assets | 0.6366% | 1,551 |
| Net interest margin | 4.3143% | 1,016 |
| Noninterest income to average assets | 0.7091% | 2,284 |
| Noninterest expense to average assets | 3.5673% | 1,353 |
| Loan and lease loss provision to assets | 0.0523% | 3,330 |
| Net operating income to assets | 0.7143% | 3,866 |
| Return on assets (ROA) | 0.7143% | 3,965 |
| Pretax return on assets | 1.0730% | 3,286 |
| Return on Equity (ROE) | 7.8023% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.5343% | 2,080 |
| Net charge-offs to loans | 0.1229% | 2,586 |
| Credit loss provision to net charge-offs | 58.8235% | 2,956 |
| Earnings coverage of net charge-offs (x) | 12.6589% | 2,297 |
| Efficiency ratio | 76.0196% | 2,489 |
| Assets per employee ($millions) | 3.0914% | 5,608 |
| Cash dividends to net income (ytd only)* | 16.2523% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,101 |
| Loan loss allowance to noncurrent loans | 73.6535% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 1,969 |
| Noncurrent loans to loans | 1.6646% | 1,961 |
| Net loans and leases to total assets | 70.4275% | 2,128 |
| Net loans and leases to deposits | 78.4208% | 2,903 |
| Net loans and leases to core deposits | 86.4944% | 2,613 |
| Total domestic deposits to total assets | 89.8072% | 815 |
| Equity capital to assets | 9.2801% | 5,055 |
| Core capital (leverage) ratio | 9.7225% | 4,043 |
| Tier 1 risk-based capital ratio | 16.1251% | 3,001 |
| Total risk-based capital ratio | 17.3772% | 2,949 |
| Memoranda: | ||
| Average total assets | $127,488,500 | 4,055 |
| Average earning assets | $117,713,250 | 4,041 |
| Average equity | $11,671,500 | 4,452 |
| Average total loans | $92,245,250 | 3,616 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 799 |
| Cost of funding earning assets | 0.6388% | 1,598 |
| Net interest margin | 4.3247% | 978 |
| Noninterest income to average assets | 0.6945% | 2,312 |
| Noninterest expense to average assets | 3.4963% | 1,480 |
| Loan and lease loss provision to assets | 0.0789% | 2,710 |
| Net operating income to assets | 0.7435% | 3,604 |
| Return on assets (ROA) | 0.7435% | 3,708 |
| Pretax return on assets | 1.1160% | 3,033 |
| Return on Equity (ROE) | 8.1589% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,268 |
| Net charge-offs to loans | 0.1150% | 2,511 |
| Credit loss provision to net charge-offs | 94.3396% | 2,106 |
| Earnings coverage of net charge-offs (x) | 14.2830% | 1,918 |
| Efficiency ratio | 74.5289% | 2,885 |
| Assets per employee ($millions) | 2.9086% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,060 |
| Loan loss allowance to noncurrent loans | 83.1197% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 2,177 |
| Noncurrent loans to loans | 1.5201% | 2,287 |
| Net loans and leases to total assets | 71.2564% | 1,874 |
| Net loans and leases to deposits | 79.4324% | 2,591 |
| Net loans and leases to core deposits | 88.4417% | 2,268 |
| Total domestic deposits to total assets | 89.7070% | 964 |
| Equity capital to assets | 9.3327% | 4,947 |
| Core capital (leverage) ratio | 9.7682% | 3,935 |
| Tier 1 risk-based capital ratio | 15.9754% | 3,100 |
| Total risk-based capital ratio | 17.2286% | 3,037 |
| Memoranda: | ||
| Average total assets | $126,705,670 | 4,099 |
| Average earning assets | $117,093,670 | 4,078 |
| Average equity | $11,545,670 | 4,487 |
| Average total loans | $92,135,000 | 3,632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 767 |
| Cost of funding earning assets | 0.6390% | 1,656 |
| Net interest margin | 4.3284% | 945 |
| Noninterest income to average assets | 0.6758% | 2,317 |
| Noninterest expense to average assets | 3.7599% | 1,040 |
| Loan and lease loss provision to assets | 0.0635% | 2,853 |
| Net operating income to assets | 0.5659% | 4,378 |
| Return on assets (ROA) | 0.5616% | 4,484 |
| Pretax return on assets | 0.8440% | 3,925 |
| Return on Equity (ROE) | 6.2398% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,414 |
| Net charge-offs to loans | 0.0913% | 2,248 |
| Credit loss provision to net charge-offs | 95.2381% | 1,747 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,656 |
| Efficiency ratio | 80.4481% | 2,142 |
| Assets per employee ($millions) | 2.8860% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,242 |
| Loan loss allowance to noncurrent loans | 110.3872% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 2,764 |
| Noncurrent loans to loans | 1.1568% | 3,115 |
| Net loans and leases to total assets | 71.1735% | 1,698 |
| Net loans and leases to deposits | 79.1341% | 2,414 |
| Net loans and leases to core deposits | 87.9584% | 2,101 |
| Total domestic deposits to total assets | 89.9405% | 1,104 |
| Equity capital to assets | 9.0657% | 5,036 |
| Core capital (leverage) ratio | 9.7169% | 3,975 |
| Tier 1 risk-based capital ratio | 15.5525% | 3,410 |
| Total risk-based capital ratio | 16.8059% | 3,373 |
| Memoranda: | ||
| Average total assets | $126,068,500 | 4,139 |
| Average earning assets | $116,439,500 | 4,130 |
| Average equity | $11,346,500 | 4,532 |
| Average total loans | $92,022,000 | 3,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 544 |
| Cost of funding earning assets | 0.6842% | 1,928 |
| Net interest margin | 4.6040% | 605 |
| Noninterest income to average assets | 0.6744% | 2,674 |
| Noninterest expense to average assets | 3.6524% | 1,370 |
| Loan and lease loss provision to assets | 0.3265% | 998 |
| Net operating income to assets | 0.6238% | 4,148 |
| Return on assets (ROA) | 0.6227% | 4,269 |
| Pretax return on assets | 0.9109% | 3,725 |
| Return on Equity (ROE) | 7.1660% | 3,482 |
| Retained earnings to average equity (ytd only) | 3.7571% | 3,540 |
| Net charge-offs to loans | 0.4180% | 1,602 |
| Credit loss provision to net charge-offs | 106.7708% | 2,257 |
| Earnings coverage of net charge-offs (x) | 4.0521% | 3,687 |
| Efficiency ratio | 74.6704% | 3,016 |
| Assets per employee ($millions) | 2.9105% | 5,974 |
| Cash dividends to net income (ytd only)* | 47.5703% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 4,323 |
| Loan loss allowance to noncurrent loans | 133.7143% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 3,060 |
| Noncurrent loans to loans | 0.9460% | 3,624 |
| Net loans and leases to total assets | 72.9715% | 1,523 |
| Net loans and leases to deposits | 80.8839% | 2,334 |
| Net loans and leases to core deposits | 89.5239% | 2,081 |
| Total domestic deposits to total assets | 90.2176% | 960 |
| Equity capital to assets | 8.9339% | 5,115 |
| Core capital (leverage) ratio | 9.4991% | 4,269 |
| Tier 1 risk-based capital ratio | 15.1347% | 3,588 |
| Total risk-based capital ratio | 16.3876% | 3,528 |
| Memoranda: | ||
| Average total assets | $125,587,600 | 4,150 |
| Average earning assets | $115,030,400 | 4,161 |
| Average equity | $10,912,600 | 4,652 |
| Average total loans | $91,858,400 | 3,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 541 |
| Cost of funding earning assets | 0.6848% | 2,059 |
| Net interest margin | 4.6024% | 617 |
| Noninterest income to average assets | 0.6598% | 2,829 |
| Noninterest expense to average assets | 3.4654% | 1,685 |
| Loan and lease loss provision to assets | 0.4349% | 663 |
| Net operating income to assets | 0.6428% | 4,166 |
| Return on assets (ROA) | 0.6428% | 4,279 |
| Pretax return on assets | 0.9653% | 3,628 |
| Return on Equity (ROE) | 7.4499% | 3,408 |
| Retained earnings to average equity (ytd only) | 3.9216% | 3,901 |
| Net charge-offs to loans | 0.5089% | 1,263 |
| Credit loss provision to net charge-offs | 117.1429% | 2,008 |
| Earnings coverage of net charge-offs (x) | 3.7714% | 3,614 |
| Efficiency ratio | 71.2230% | 3,568 |
| Assets per employee ($millions) | 2.7254% | 6,245 |
| Cash dividends to net income (ytd only)* | 47.3601% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,365 |
| Loan loss allowance to noncurrent loans | 183.5366% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 3,606 |
| Noncurrent loans to loans | 0.7107% | 4,433 |
| Net loans and leases to total assets | 72.6685% | 1,507 |
| Net loans and leases to deposits | 80.7414% | 2,296 |
| Net loans and leases to core deposits | 89.0478% | 2,072 |
| Total domestic deposits to total assets | 90.0014% | 995 |
| Equity capital to assets | 8.6872% | 5,538 |
| Core capital (leverage) ratio | 9.5203% | 4,369 |
| Tier 1 risk-based capital ratio | 14.9034% | 3,813 |
| Total risk-based capital ratio | 16.1566% | 3,761 |
| Memoranda: | ||
| Average total assets | $125,696,250 | 4,194 |
| Average earning assets | $114,865,750 | 4,207 |
| Average equity | $10,845,500 | 4,720 |
| Average total loans | $91,699,000 | 3,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 500 |
| Cost of funding earning assets | 0.6852% | 2,178 |
| Net interest margin | 4.6445% | 560 |
| Noninterest income to average assets | 0.6947% | 2,669 |
| Noninterest expense to average assets | 3.4180% | 1,783 |
| Loan and lease loss provision to assets | 0.6041% | 422 |
| Net operating income to assets | 0.6041% | 4,254 |
| Return on assets (ROA) | 0.6041% | 4,439 |
| Pretax return on assets | 0.9077% | 3,871 |
| Return on Equity (ROE) | 7.0173% | 3,589 |
| Retained earnings to average equity (ytd only) | -2.5484% | 6,259 |
| Net charge-offs to loans | 0.2055% | 2,528 |
| Credit loss provision to net charge-offs | 404.2553% | 649 |
| Earnings coverage of net charge-offs (x) | 10.1170% | 2,190 |
| Efficiency ratio | 69.3325% | 3,955 |
| Assets per employee ($millions) | 2.4907% | 6,508 |
| Cash dividends to net income (ytd only)* | 136.3158% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,361 |
| Loan loss allowance to noncurrent loans | 122.9579% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 2,855 |
| Noncurrent loans to loans | 1.2609% | 3,445 |
| Net loans and leases to total assets | 72.9144% | 1,419 |
| Net loans and leases to deposits | 80.7326% | 2,219 |
| Net loans and leases to core deposits | 88.9302% | 2,010 |
| Total domestic deposits to total assets | 90.3160% | 851 |
| Equity capital to assets | 8.3768% | 5,887 |
| Core capital (leverage) ratio | 9.0710% | 4,876 |
| Tier 1 risk-based capital ratio | 14.3108% | 4,217 |
| Total risk-based capital ratio | 15.5674% | 4,164 |
| Memoranda: | ||
| Average total assets | $125,805,670 | 4,228 |
| Average earning assets | $114,716,670 | 4,240 |
| Average equity | $10,830,330 | 4,760 |
| Average total loans | $91,496,330 | 3,687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 587 |
| Cost of funding earning assets | 0.6958% | 2,256 |
| Net interest margin | 4.5227% | 649 |
| Noninterest income to average assets | 0.7118% | 2,531 |
| Noninterest expense to average assets | 3.7330% | 1,200 |
| Loan and lease loss provision to assets | 0.4429% | 648 |
| Net operating income to assets | 0.4302% | 5,005 |
| Return on assets (ROA) | 0.4302% | 5,164 |
| Pretax return on assets | 0.6485% | 4,782 |
| Return on Equity (ROE) | 4.9322% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.9322% | 3,276 |
| Net charge-offs to loans | 0.2590% | 1,921 |
| Credit loss provision to net charge-offs | 237.2881% | 959 |
| Earnings coverage of net charge-offs (x) | 5.8475% | 2,316 |
| Efficiency ratio | 77.3770% | 2,713 |
| Assets per employee ($millions) | 2.4346% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,529 |
| Loan loss allowance to noncurrent loans | 88.3838% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 2,792 |
| Noncurrent loans to loans | 1.5125% | 3,282 |
| Net loans and leases to total assets | 71.4148% | 1,447 |
| Net loans and leases to deposits | 79.5959% | 2,136 |
| Net loans and leases to core deposits | 87.3829% | 1,971 |
| Total domestic deposits to total assets | 89.7217% | 1,213 |
| Equity capital to assets | 8.7593% | 5,749 |
| Core capital (leverage) ratio | 9.3548% | 4,314 |
| Tier 1 risk-based capital ratio | 14.6564% | 4,061 |
| Total risk-based capital ratio | 15.9095% | 4,025 |
| Memoranda: | ||
| Average total assets | $126,441,000 | 4,254 |
| Average earning assets | $114,976,000 | 4,266 |
| Average equity | $11,029,500 | 4,762 |
| Average total loans | $91,127,500 | 3,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4773% | 652 |
| Cost of funding earning assets | 0.8722% | 2,122 |
| Net interest margin | 4.6051% | 774 |
| Noninterest income to average assets | 0.7846% | 2,332 |
| Noninterest expense to average assets | 3.9231% | 1,076 |
| Loan and lease loss provision to assets | 0.3362% | 1,999 |
| Net operating income to assets | 0.5025% | 4,684 |
| Return on assets (ROA) | 0.5214% | 4,864 |
| Pretax return on assets | 0.7650% | 4,435 |
| Return on Equity (ROE) | 5.9208% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.0961% | 3,330 |
| Net charge-offs to loans | 0.2673% | 3,337 |
| Credit loss provision to net charge-offs | 168.0328% | 1,576 |
| Earnings coverage of net charge-offs (x) | 5.3648% | 3,059 |
| Efficiency ratio | 78.5199% | 2,358 |
| Assets per employee ($millions) | 2.3827% | 6,719 |
| Cash dividends to net income (ytd only)* | 30.8176% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,812 |
| Loan loss allowance to noncurrent loans | 68.3393% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 2,698 |
| Noncurrent loans to loans | 1.8473% | 2,863 |
| Net loans and leases to total assets | 70.8532% | 1,672 |
| Net loans and leases to deposits | 78.8392% | 2,419 |
| Net loans and leases to core deposits | 86.2296% | 2,289 |
| Total domestic deposits to total assets | 89.8705% | 1,028 |
| Equity capital to assets | 8.6867% | 5,858 |
| Core capital (leverage) ratio | 9.1633% | 4,640 |
| Tier 1 risk-based capital ratio | 14.6583% | 3,925 |
| Total risk-based capital ratio | 15.9111% | 3,887 |
| Memoranda: | ||
| Average total assets | $121,968,400 | 4,316 |
| Average earning assets | $111,551,400 | 4,303 |
| Average equity | $10,741,800 | 4,806 |
| Average total loans | $91,270,200 | 3,715 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5294% | 644 |
| Cost of funding earning assets | 0.8808% | 2,307 |
| Net interest margin | 4.6486% | 747 |
| Noninterest income to average assets | 0.8084% | 2,202 |
| Noninterest expense to average assets | 3.9738% | 967 |
| Loan and lease loss provision to assets | 0.3529% | 1,845 |
| Net operating income to assets | 0.4899% | 4,882 |
| Return on assets (ROA) | 0.5151% | 5,041 |
| Pretax return on assets | 0.7742% | 4,580 |
| Return on Equity (ROE) | 5.8275% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.6170% | 3,652 |
| Net charge-offs to loans | 0.2887% | 2,995 |
| Credit loss provision to net charge-offs | 161.6162% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.9900% | 3,144 |
| Efficiency ratio | 78.4796% | 2,320 |
| Assets per employee ($millions) | 2.2713% | 6,878 |
| Cash dividends to net income (ytd only)* | 20.7709% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,284 |
| Loan loss allowance to noncurrent loans | 78.9096% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 3,316 |
| Noncurrent loans to loans | 1.5199% | 3,503 |
| Net loans and leases to total assets | 72.5414% | 1,461 |
| Net loans and leases to deposits | 80.7050% | 2,291 |
| Net loans and leases to core deposits | 88.6032% | 2,149 |
| Total domestic deposits to total assets | 89.8846% | 900 |
| Equity capital to assets | 8.7377% | 6,077 |
| Core capital (leverage) ratio | 9.3224% | 4,544 |
| Tier 1 risk-based capital ratio | 14.4650% | 4,212 |
| Total risk-based capital ratio | 15.7164% | 4,176 |
| Memoranda: | ||
| Average total assets | $120,889,250 | 4,380 |
| Average earning assets | $110,655,000 | 4,374 |
| Average equity | $10,684,750 | 4,869 |
| Average total loans | $91,432,500 | 3,748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 589 |
| Cost of funding earning assets | 0.8861% | 2,517 |
| Net interest margin | 4.7016% | 672 |
| Noninterest income to average assets | 0.8114% | 2,129 |
| Noninterest expense to average assets | 4.1557% | 776 |
| Loan and lease loss provision to assets | 0.3848% | 1,704 |
| Net operating income to assets | 0.3774% | 5,316 |
| Return on assets (ROA) | 0.4149% | 5,391 |
| Pretax return on assets | 0.6240% | 5,056 |
| Return on Equity (ROE) | 4.6757% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,731 |
| Net charge-offs to loans | 0.3876% | 2,472 |
| Credit loss provision to net charge-offs | 129.9435% | 2,117 |
| Earnings coverage of net charge-offs (x) | 3.2147% | 3,456 |
| Efficiency ratio | 81.3626% | 1,982 |
| Assets per employee ($millions) | 2.1609% | 6,995 |
| Cash dividends to net income (ytd only)* | 39.1129% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,706 |
| Loan loss allowance to noncurrent loans | 79.4911% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 3,291 |
| Noncurrent loans to loans | 1.4068% | 3,809 |
| Net loans and leases to total assets | 75.3361% | 1,056 |
| Net loans and leases to deposits | 83.8476% | 1,873 |
| Net loans and leases to core deposits | 92.0115% | 1,776 |
| Total domestic deposits to total assets | 89.8489% | 1,015 |
| Equity capital to assets | 8.8356% | 5,869 |
| Core capital (leverage) ratio | 9.3056% | 4,446 |
| Tier 1 risk-based capital ratio | 13.9761% | 4,466 |
| Total risk-based capital ratio | 15.2260% | 4,435 |
| Memoranda: | ||
| Average total assets | $119,546,000 | 4,433 |
| Average earning assets | $109,238,330 | 4,428 |
| Average equity | $10,608,000 | 4,893 |
| Average total loans | $91,337,330 | 3,771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6142% | 610 |
| Cost of funding earning assets | 0.8969% | 2,719 |
| Net interest margin | 4.7172% | 663 |
| Noninterest income to average assets | 0.8114% | 2,115 |
| Noninterest expense to average assets | 4.3227% | 640 |
| Loan and lease loss provision to assets | 0.4713% | 1,299 |
| Net operating income to assets | 0.2121% | 5,949 |
| Return on assets (ROA) | 0.2121% | 6,095 |
| Pretax return on assets | 0.3198% | 5,931 |
| Return on Equity (ROE) | 2.3850% | 5,949 |
| Retained earnings to average equity (ytd only) | 2.3850% | 5,069 |
| Net charge-offs to loans | 0.5896% | 1,621 |
| Credit loss provision to net charge-offs | 104.4776% | 2,211 |
| Earnings coverage of net charge-offs (x) | 1.7537% | 3,463 |
| Efficiency ratio | 84.5293% | 1,636 |
| Assets per employee ($millions) | 2.1655% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 5,975 |
| Loan loss allowance to noncurrent loans | 81.8636% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 3,492 |
| Noncurrent loans to loans | 1.3153% | 4,143 |
| Net loans and leases to total assets | 74.5477% | 982 |
| Net loans and leases to deposits | 82.7481% | 1,826 |
| Net loans and leases to core deposits | 91.4817% | 1,704 |
| Total domestic deposits to total assets | 90.0899% | 1,036 |
| Equity capital to assets | 8.7384% | 5,825 |
| Core capital (leverage) ratio | 9.4569% | 4,107 |
| Tier 1 risk-based capital ratio | 14.0743% | 4,416 |
| Total risk-based capital ratio | 15.3138% | 4,389 |
| Memoranda: | ||
| Average total assets | $118,813,500 | 4,476 |
| Average earning assets | $108,369,000 | 4,474 |
| Average equity | $10,566,000 | 4,911 |
| Average total loans | $90,908,000 | 3,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9550% | 465 |
| Cost of funding earning assets | 1.0727% | 2,856 |
| Net interest margin | 4.8823% | 529 |
| Noninterest income to average assets | 0.8400% | 1,884 |
| Noninterest expense to average assets | 3.9116% | 1,164 |
| Loan and lease loss provision to assets | 0.3727% | 2,758 |
| Net operating income to assets | 0.6519% | 3,732 |
| Return on assets (ROA) | 0.6859% | 3,740 |
| Pretax return on assets | 1.0414% | 3,072 |
| Return on Equity (ROE) | 7.6379% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.4912% | 2,305 |
| Net charge-offs to loans | 0.6986% | 2,407 |
| Credit loss provision to net charge-offs | 68.8394% | 4,895 |
| Earnings coverage of net charge-offs (x) | 2.5167% | 3,956 |
| Efficiency ratio | 74.1678% | 3,209 |
| Assets per employee ($millions) | 2.1156% | 7,114 |
| Cash dividends to net income (ytd only)* | 28.1054% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,880 |
| Loan loss allowance to noncurrent loans | 66.1258% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9036% | 3,103 |
| Noncurrent loans to loans | 1.6356% | 3,712 |
| Net loans and leases to total assets | 76.8755% | 843 |
| Net loans and leases to deposits | 85.6259% | 1,716 |
| Net loans and leases to core deposits | 94.4173% | 1,647 |
| Total domestic deposits to total assets | 89.7806% | 1,112 |
| Equity capital to assets | 9.0540% | 5,491 |
| Core capital (leverage) ratio | 9.3839% | 4,203 |
| Tier 1 risk-based capital ratio | 14.1500% | 4,220 |
| Total risk-based capital ratio | 15.3957% | 4,174 |
| Memoranda: | ||
| Average total assets | $116,191,400 | 4,496 |
| Average earning assets | $105,524,000 | 4,512 |
| Average equity | $10,434,800 | 4,919 |
| Average total loans | $90,043,200 | 3,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 509 |
| Cost of funding earning assets | 1.0983% | 2,988 |
| Net interest margin | 4.8546% | 561 |
| Noninterest income to average assets | 0.8472% | 1,849 |
| Noninterest expense to average assets | 3.9167% | 1,128 |
| Loan and lease loss provision to assets | 0.3478% | 2,794 |
| Net operating income to assets | 0.6596% | 3,830 |
| Return on assets (ROA) | 0.6819% | 3,877 |
| Pretax return on assets | 1.0251% | 3,311 |
| Return on Equity (ROE) | 7.6081% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.1608% | 2,458 |
| Net charge-offs to loans | 0.7990% | 1,963 |
| Credit loss provision to net charge-offs | 56.2152% | 4,892 |
| Earnings coverage of net charge-offs (x) | 2.1651% | 4,050 |
| Efficiency ratio | 74.5141% | 3,083 |
| Assets per employee ($millions) | 2.1615% | 7,165 |
| Cash dividends to net income (ytd only)* | 19.0232% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,102 |
| Loan loss allowance to noncurrent loans | 101.9565% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5528% | 3,765 |
| Noncurrent loans to loans | 1.0158% | 4,861 |
| Net loans and leases to total assets | 75.3951% | 1,075 |
| Net loans and leases to deposits | 85.1950% | 1,803 |
| Net loans and leases to core deposits | 92.8079% | 1,904 |
| Total domestic deposits to total assets | 88.4971% | 1,763 |
| Equity capital to assets | 9.0560% | 5,682 |
| Core capital (leverage) ratio | 9.3429% | 4,387 |
| Tier 1 risk-based capital ratio | 14.0111% | 4,346 |
| Total risk-based capital ratio | 15.2037% | 4,357 |
| Memoranda: | ||
| Average total assets | $116,150,000 | 4,527 |
| Average earning assets | $105,492,250 | 4,537 |
| Average equity | $10,409,750 | 4,936 |
| Average total loans | $89,947,000 | 3,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9864% | 488 |
| Cost of funding earning assets | 1.1129% | 3,146 |
| Net interest margin | 4.8735% | 518 |
| Noninterest income to average assets | 0.8348% | 1,866 |
| Noninterest expense to average assets | 4.0212% | 1,018 |
| Loan and lease loss provision to assets | 0.3870% | 2,477 |
| Net operating income to assets | 0.5702% | 4,209 |
| Return on assets (ROA) | 0.6040% | 4,185 |
| Pretax return on assets | 0.9077% | 3,585 |
| Return on Equity (ROE) | 6.7632% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.5671% | 3,284 |
| Net charge-offs to loans | 0.5527% | 2,446 |
| Credit loss provision to net charge-offs | 89.9194% | 3,455 |
| Earnings coverage of net charge-offs (x) | 2.8911% | 3,397 |
| Efficiency ratio | 76.3678% | 2,953 |
| Assets per employee ($millions) | 2.0737% | 7,248 |
| Cash dividends to net income (ytd only)* | 32.4713% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 5,156 |
| Loan loss allowance to noncurrent loans | 75.5921% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 3,047 |
| Noncurrent loans to loans | 1.6917% | 3,892 |
| Net loans and leases to total assets | 76.3823% | 1,021 |
| Net loans and leases to deposits | 86.2717% | 1,755 |
| Net loans and leases to core deposits | 93.6307% | 1,945 |
| Total domestic deposits to total assets | 88.5369% | 1,829 |
| Equity capital to assets | 9.0365% | 5,529 |
| Core capital (leverage) ratio | 9.2619% | 4,312 |
| Tier 1 risk-based capital ratio | 13.8572% | 4,262 |
| Total risk-based capital ratio | 15.1100% | 4,231 |
| Memoranda: | ||
| Average total assets | $115,239,000 | 4,579 |
| Average earning assets | $104,771,330 | 4,591 |
| Average equity | $10,291,000 | 4,972 |
| Average total loans | $89,739,330 | 3,944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9937% | 480 |
| Cost of funding earning assets | 1.1420% | 3,213 |
| Net interest margin | 4.8516% | 512 |
| Noninterest income to average assets | 0.8328% | 1,914 |
| Noninterest expense to average assets | 4.0734% | 950 |
| Loan and lease loss provision to assets | 0.7248% | 1,167 |
| Net operating income to assets | 0.2962% | 5,430 |
| Return on assets (ROA) | 0.2962% | 5,497 |
| Pretax return on assets | 0.4460% | 5,204 |
| Return on Equity (ROE) | 3.3368% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.3368% | 4,180 |
| Net charge-offs to loans | 1.0571% | 1,293 |
| Credit loss provision to net charge-offs | 87.7637% | 2,974 |
| Earnings coverage of net charge-offs (x) | 1.4177% | 3,638 |
| Efficiency ratio | 77.6744% | 2,900 |
| Assets per employee ($millions) | 1.9407% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 5,224 |
| Loan loss allowance to noncurrent loans | 59.4188% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.4948% | 2,738 |
| Noncurrent loans to loans | 2.1563% | 3,376 |
| Net loans and leases to total assets | 75.7637% | 1,060 |
| Net loans and leases to deposits | 85.4150% | 1,815 |
| Net loans and leases to core deposits | 92.3692% | 2,083 |
| Total domestic deposits to total assets | 88.7007% | 1,958 |
| Equity capital to assets | 8.7933% | 5,507 |
| Core capital (leverage) ratio | 9.1836% | 4,319 |
| Tier 1 risk-based capital ratio | 14.1228% | 3,988 |
| Total risk-based capital ratio | 15.3764% | 3,955 |
| Memoranda: | ||
| Average total assets | $114,794,000 | 4,626 |
| Average earning assets | $104,377,000 | 4,630 |
| Average equity | $10,189,500 | 4,990 |
| Average total loans | $89,683,500 | 3,984 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0984% | 701 |
| Cost of funding earning assets | 1.2749% | 4,054 |
| Net interest margin | 4.8235% | 642 |
| Noninterest income to average assets | 0.8522% | 2,051 |
| Noninterest expense to average assets | 3.8116% | 1,467 |
| Loan and lease loss provision to assets | 0.2496% | 4,802 |
| Net operating income to assets | 0.7620% | 2,948 |
| Return on assets (ROA) | 0.7620% | 3,073 |
| Pretax return on assets | 1.1219% | 2,499 |
| Return on Equity (ROE) | 8.7229% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.0358% | 1,796 |
| Net charge-offs to loans | 0.2278% | 4,918 |
| Credit loss provision to net charge-offs | 139.7059% | 2,715 |
| Earnings coverage of net charge-offs (x) | 7.6765% | 2,083 |
| Efficiency ratio | 73.5384% | 3,480 |
| Assets per employee ($millions) | 2.0572% | 7,395 |
| Cash dividends to net income (ytd only)* | 30.8046% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,981 |
| Loan loss allowance to noncurrent loans | 59.8064% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.6390% | 2,635 |
| Noncurrent loans to loans | 2.1811% | 3,334 |
| Net loans and leases to total assets | 78.5067% | 874 |
| Net loans and leases to deposits | 88.8031% | 1,675 |
| Net loans and leases to core deposits | 96.1977% | 1,987 |
| Total domestic deposits to total assets | 88.4053% | 2,014 |
| Equity capital to assets | 8.9618% | 5,196 |
| Core capital (leverage) ratio | 8.8482% | 4,779 |
| Tier 1 risk-based capital ratio | 13.9051% | 3,925 |
| Total risk-based capital ratio | 15.1588% | 3,898 |
| Memoranda: | ||
| Average total assets | $114,179,000 | 4,607 |
| Average earning assets | $102,518,000 | 4,655 |
| Average equity | $9,973,800 | 5,144 |
| Average total loans | $89,549,600 | 4,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 927 |
| Cost of funding earning assets | 1.2937% | 4,261 |
| Net interest margin | 4.7114% | 823 |
| Noninterest income to average assets | 0.8377% | 2,042 |
| Noninterest expense to average assets | 3.6071% | 1,774 |
| Loan and lease loss provision to assets | 0.2447% | 4,644 |
| Net operating income to assets | 0.8004% | 2,993 |
| Return on assets (ROA) | 0.8004% | 3,152 |
| Pretax return on assets | 1.2035% | 2,471 |
| Return on Equity (ROE) | 9.2223% | 2,421 |
| Retained earnings to average equity (ytd only) | 7.7053% | 1,513 |
| Net charge-offs to loans | 0.2952% | 4,186 |
| Credit loss provision to net charge-offs | 106.0606% | 4,026 |
| Earnings coverage of net charge-offs (x) | 6.2779% | 2,554 |
| Efficiency ratio | 71.3528% | 3,826 |
| Assets per employee ($millions) | 2.1511% | 7,421 |
| Cash dividends to net income (ytd only)* | 16.4480% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,352 |
| Loan loss allowance to noncurrent loans | 81.4897% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 3,551 |
| Noncurrent loans to loans | 1.5073% | 4,376 |
| Net loans and leases to total assets | 72.4704% | 2,137 |
| Net loans and leases to deposits | 81.2725% | 3,224 |
| Net loans and leases to core deposits | 87.2617% | 3,480 |
| Total domestic deposits to total assets | 89.1697% | 1,302 |
| Equity capital to assets | 8.3272% | 6,472 |
| Core capital (leverage) ratio | 8.6761% | 5,225 |
| Tier 1 risk-based capital ratio | 13.9207% | 3,902 |
| Total risk-based capital ratio | 15.1738% | 3,857 |
| Memoranda: | ||
| Average total assets | $114,437,000 | 4,664 |
| Average earning assets | $102,444,500 | 4,710 |
| Average equity | $9,932,250 | 5,220 |
| Average total loans | $89,436,500 | 4,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2382% | 584 |
| Cost of funding earning assets | 1.3515% | 4,186 |
| Net interest margin | 4.8868% | 550 |
| Noninterest income to average assets | 0.8182% | 2,027 |
| Noninterest expense to average assets | 3.5896% | 1,806 |
| Loan and lease loss provision to assets | 0.2417% | 4,496 |
| Net operating income to assets | 0.8773% | 2,631 |
| Return on assets (ROA) | 0.8773% | 2,765 |
| Pretax return on assets | 1.3177% | 2,032 |
| Return on Equity (ROE) | 9.9597% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.6629% | 1,571 |
| Net charge-offs to loans | 0.1792% | 4,535 |
| Credit loss provision to net charge-offs | 168.7500% | 2,323 |
| Earnings coverage of net charge-offs (x) | 10.8875% | 1,830 |
| Efficiency ratio | 69.7149% | 4,241 |
| Assets per employee ($millions) | 2.2271% | 7,414 |
| Cash dividends to net income (ytd only)* | 23.0612% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 5,047 |
| Loan loss allowance to noncurrent loans | 53.9220% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 3,591 |
| Noncurrent loans to loans | 2.3687% | 3,295 |
| Net loans and leases to total assets | 73.7827% | 1,955 |
| Net loans and leases to deposits | 84.3511% | 2,810 |
| Net loans and leases to core deposits | 90.0734% | 3,244 |
| Total domestic deposits to total assets | 87.4709% | 2,271 |
| Equity capital to assets | 8.3200% | 6,403 |
| Core capital (leverage) ratio | 9.0521% | 4,521 |
| Tier 1 risk-based capital ratio | 13.8648% | 3,826 |
| Total risk-based capital ratio | 15.1181% | 3,785 |
| Memoranda: | ||
| Average total assets | $111,712,670 | 4,757 |
| Average earning assets | $99,002,330 | 4,844 |
| Average equity | $9,839,670 | 5,250 |
| Average total loans | $89,261,670 | 4,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5991% | 308 |
| Cost of funding earning assets | 1.4233% | 4,027 |
| Net interest margin | 5.1758% | 308 |
| Noninterest income to average assets | 0.7967% | 2,039 |
| Noninterest expense to average assets | 3.5854% | 1,774 |
| Loan and lease loss provision to assets | 0.2234% | 4,261 |
| Net operating income to assets | 1.0201% | 2,113 |
| Return on assets (ROA) | 1.0201% | 2,172 |
| Pretax return on assets | 1.4967% | 1,532 |
| Return on Equity (ROE) | 11.2335% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.2335% | 874 |
| Net charge-offs to loans | 0.1394% | 4,099 |
| Credit loss provision to net charge-offs | 193.5484% | 1,911 |
| Earnings coverage of net charge-offs (x) | 14.9032% | 1,403 |
| Efficiency ratio | 67.5789% | 4,807 |
| Assets per employee ($millions) | 1.9831% | 7,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 5,124 |
| Loan loss allowance to noncurrent loans | 58.4071% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0207% | 3,475 |
| Noncurrent loans to loans | 2.1658% | 3,573 |
| Net loans and leases to total assets | 80.2901% | 803 |
| Net loans and leases to deposits | 92.9828% | 1,478 |
| Net loans and leases to core deposits | 100.2048% | 2,107 |
| Total domestic deposits to total assets | 86.3494% | 2,962 |
| Equity capital to assets | 9.0674% | 5,179 |
| Core capital (leverage) ratio | 9.5371% | 3,710 |
| Tier 1 risk-based capital ratio | 13.8240% | 3,784 |
| Total risk-based capital ratio | 15.0779% | 3,739 |
| Memoranda: | ||
| Average total assets | $107,437,000 | 4,946 |
| Average earning assets | $93,588,500 | 5,063 |
| Average equity | $9,756,500 | 5,308 |
| Average total loans | $88,951,500 | 4,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8192% | 367 |
| Cost of funding earning assets | 1.5874% | 5,089 |
| Net interest margin | 5.2318% | 273 |
| Noninterest income to average assets | 0.9602% | 1,705 |
| Noninterest expense to average assets | 4.3722% | 905 |
| Loan and lease loss provision to assets | 0.2104% | 5,660 |
| Net operating income to assets | 0.6988% | 2,941 |
| Return on assets (ROA) | 0.6988% | 3,008 |
| Pretax return on assets | 1.0003% | 2,592 |
| Return on Equity (ROE) | 7.5543% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.8457% | 1,903 |
| Net charge-offs to loans | 0.1678% | 5,611 |
| Credit loss provision to net charge-offs | 152.4823% | 3,012 |
| Earnings coverage of net charge-offs (x) | 8.7730% | 1,897 |
| Efficiency ratio | 78.3135% | 3,144 |
| Assets per employee ($millions) | 1.9593% | 7,753 |
| Cash dividends to net income (ytd only)* | 35.8543% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,209 |
| Loan loss allowance to noncurrent loans | 70.1540% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 3,619 |
| Noncurrent loans to loans | 1.7465% | 4,018 |
| Net loans and leases to total assets | 83.2820% | 513 |
| Net loans and leases to deposits | 96.4565% | 1,275 |
| Net loans and leases to core deposits | 127.5333% | 1,415 |
| Total domestic deposits to total assets | 86.3415% | 2,846 |
| Equity capital to assets | 9.0953% | 4,994 |
| Core capital (leverage) ratio | 9.3560% | 3,890 |
| Tier 1 risk-based capital ratio | 13.4475% | 3,851 |
| Total risk-based capital ratio | 14.7009% | 3,800 |
| Memoranda: | ||
| Average total assets | $102,169,000 | 5,037 |
| Average earning assets | $90,274,800 | 5,111 |
| Average equity | $9,451,600 | 5,462 |
| Average total loans | $84,042,600 | 4,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7554% | 457 |
| Cost of funding earning assets | 1.6030% | 5,386 |
| Net interest margin | 5.1523% | 329 |
| Noninterest income to average assets | 0.9533% | 1,768 |
| Noninterest expense to average assets | 4.1687% | 1,067 |
| Loan and lease loss provision to assets | 0.1119% | 6,249 |
| Net operating income to assets | 0.8098% | 2,772 |
| Return on assets (ROA) | 0.8098% | 2,835 |
| Pretax return on assets | 1.2179% | 2,207 |
| Return on Equity (ROE) | 8.7151% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.3911% | 1,772 |
| Net charge-offs to loans | 0.2207% | 4,658 |
| Credit loss provision to net charge-offs | 62.0438% | 6,137 |
| Earnings coverage of net charge-offs (x) | 7.3723% | 2,417 |
| Efficiency ratio | 75.8142% | 3,540 |
| Assets per employee ($millions) | 1.9391% | 7,836 |
| Cash dividends to net income (ytd only)* | 26.6665% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,619 |
| Loan loss allowance to noncurrent loans | 60.3998% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 3,516 |
| Noncurrent loans to loans | 1.8477% | 3,847 |
| Net loans and leases to total assets | 81.8237% | 839 |
| Net loans and leases to deposits | 95.0521% | 1,704 |
| Net loans and leases to core deposits | 123.8186% | 1,918 |
| Total domestic deposits to total assets | 86.0829% | 2,666 |
| Equity capital to assets | 9.1975% | 5,170 |
| Core capital (leverage) ratio | 9.4930% | 3,916 |
| Tier 1 risk-based capital ratio | 13.1832% | 4,064 |
| Total risk-based capital ratio | 14.4334% | 4,002 |
| Memoranda: | ||
| Average total assets | $101,260,750 | 5,092 |
| Average earning assets | $89,329,250 | 5,185 |
| Average equity | $9,408,750 | 5,518 |
| Average total loans | $82,751,500 | 4,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6909% | 550 |
| Cost of funding earning assets | 1.6438% | 5,537 |
| Net interest margin | 5.0471% | 386 |
| Noninterest income to average assets | 0.9030% | 1,977 |
| Noninterest expense to average assets | 4.1095% | 1,179 |
| Loan and lease loss provision to assets | 0.0699% | 6,500 |
| Net operating income to assets | 0.7791% | 2,939 |
| Return on assets (ROA) | 0.7791% | 3,034 |
| Pretax return on assets | 1.1707% | 2,389 |
| Return on Equity (ROE) | 8.3559% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.9134% | 2,064 |
| Net charge-offs to loans | 0.1277% | 4,891 |
| Credit loss provision to net charge-offs | 67.3077% | 5,466 |
| Earnings coverage of net charge-offs (x) | 11.9423% | 1,860 |
| Efficiency ratio | 76.8111% | 3,539 |
| Assets per employee ($millions) | 1.7847% | 7,982 |
| Cash dividends to net income (ytd only)* | 29.2308% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,052 |
| Loan loss allowance to noncurrent loans | 51.5963% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 2,947 |
| Noncurrent loans to loans | 2.2939% | 3,144 |
| Net loans and leases to total assets | 82.2387% | 920 |
| Net loans and leases to deposits | 93.6432% | 2,147 |
| Net loans and leases to core deposits | 121.2484% | 2,258 |
| Total domestic deposits to total assets | 87.8213% | 1,854 |
| Equity capital to assets | 9.2906% | 4,892 |
| Core capital (leverage) ratio | 9.6231% | 3,734 |
| Tier 1 risk-based capital ratio | 13.6900% | 3,694 |
| Total risk-based capital ratio | 14.9423% | 3,625 |
| Memoranda: | ||
| Average total assets | $100,110,000 | 5,158 |
| Average earning assets | $88,209,670 | 5,254 |
| Average equity | $9,334,670 | 5,567 |
| Average total loans | $81,453,000 | 4,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6380% | 655 |
| Cost of funding earning assets | 1.6710% | 5,735 |
| Net interest margin | 4.9670% | 439 |
| Noninterest income to average assets | 0.8419% | 2,116 |
| Noninterest expense to average assets | 3.7905% | 1,490 |
| Loan and lease loss provision to assets | 0.0604% | 6,201 |
| Net operating income to assets | 0.8902% | 2,738 |
| Return on assets (ROA) | 0.8902% | 2,889 |
| Pretax return on assets | 1.3373% | 2,161 |
| Return on Equity (ROE) | 9.5295% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.5295% | 1,328 |
| Net charge-offs to loans | 0.0451% | 4,848 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 38.5556% | 881 |
| Efficiency ratio | 73.0590% | 4,001 |
| Assets per employee ($millions) | 1.9997% | 7,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,222 |
| Loan loss allowance to noncurrent loans | 105.7792% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 4,171 |
| Noncurrent loans to loans | 1.2070% | 4,558 |
| Net loans and leases to total assets | 79.2671% | 1,529 |
| Net loans and leases to deposits | 88.6354% | 3,162 |
| Net loans and leases to core deposits | 113.0726% | 3,093 |
| Total domestic deposits to total assets | 89.4305% | 1,041 |
| Equity capital to assets | 9.3913% | 4,818 |
| Core capital (leverage) ratio | 9.7224% | 3,721 |
| Tier 1 risk-based capital ratio | 14.3237% | 3,417 |
| Total risk-based capital ratio | 15.5728% | 3,340 |
| Memoranda: | ||
| Average total assets | $99,301,500 | 5,198 |
| Average earning assets | $86,894,000 | 5,322 |
| Average equity | $9,276,500 | 5,610 |
| Average total loans | $79,849,000 | 4,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9982% | 1,131 |
| Cost of funding earning assets | 2.0788% | 6,135 |
| Net interest margin | 4.9194% | 612 |
| Noninterest income to average assets | 1.1755% | 1,111 |
| Noninterest expense to average assets | 3.9998% | 1,423 |
| Loan and lease loss provision to assets | 0.0567% | 6,703 |
| Net operating income to assets | 1.1233% | 2,055 |
| Return on assets (ROA) | 1.1322% | 1,938 |
| Pretax return on assets | 1.5797% | 1,447 |
| Return on Equity (ROE) | 12.2912% | 1,520 |
| Retained earnings to average equity (ytd only) | 8.3061% | 753 |
| Net charge-offs to loans | -0.2058% | 8,167 |
| Credit loss provision to net charge-offs | -35.9477% | 7,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1221% | 4,105 |
| Assets per employee ($millions) | 1.9723% | 7,935 |
| Cash dividends to net income (ytd only)* | 32.4226% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 3,904 |
| Loan loss allowance to noncurrent loans | 85.2720% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 3,221 |
| Noncurrent loans to loans | 1.5047% | 3,536 |
| Net loans and leases to total assets | 79.4974% | 1,776 |
| Net loans and leases to deposits | 88.7357% | 3,679 |
| Net loans and leases to core deposits | 112.3728% | 3,524 |
| Total domestic deposits to total assets | 89.5890% | 815 |
| Equity capital to assets | 9.2915% | 4,943 |
| Core capital (leverage) ratio | 9.2421% | 4,375 |
| Tier 1 risk-based capital ratio | 13.5693% | 3,777 |
| Total risk-based capital ratio | 14.8231% | 3,681 |
| Memoranda: | ||
| Average total assets | $96,979,000 | 5,142 |
| Average earning assets | $87,694,400 | 5,162 |
| Average equity | $8,933,200 | 5,761 |
| Average total loans | $74,359,400 | 4,724 |