Home > Canton Co-operative Bank > Performance and Condition Ratios
Canton Co-operative Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 3,773 |
| Cost of funding earning assets | 2.0432% | 1,810 |
| Net interest margin | 2.5407% | 3,996 |
| Noninterest income to average assets | -0.0100% | 4,449 |
| Noninterest expense to average assets | 2.5334% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.1025% | 4,231 |
| Return on assets (ROA) | -0.1025% | 4,258 |
| Pretax return on assets | -0.1526% | 4,266 |
| Return on Equity (ROE) | -0.8200% | 4,229 |
| Retained earnings to average equity (ytd only) | -0.8208% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 106.4076% | 204 |
| Assets per employee ($millions) | 9.4324% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6805% | 4,059 |
| Loan loss allowance to noncurrent loans | 13,440.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,765 |
| Noncurrent loans to loans | 0.0051% | 3,731 |
| Net loans and leases to total assets | 61.1700% | 2,775 |
| Net loans and leases to deposits | 73.0052% | 2,651 |
| Net loans and leases to core deposits | 99.5949% | 1,403 |
| Total domestic deposits to total assets | 83.7900% | 2,949 |
| Equity capital to assets | 12.5663% | 1,043 |
| Core capital (leverage) ratio | 14.3866% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4666% | 391 |
| Memoranda: | ||
| Average total assets | $159,942,000 | 3,294 |
| Average earning assets | $150,352,000 | 3,271 |
| Average equity | $19,981,500 | 3,005 |
| Average total loans | $97,112,500 | 3,245 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 3,220 |
| Cost of funding earning assets | 2.0738% | 2,038 |
| Net interest margin | 2.8518% | 3,397 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.5349% | 2,205 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.2502% | 3,915 |
| Return on assets (ROA) | 0.2502% | 3,942 |
| Pretax return on assets | 0.3187% | 3,907 |
| Return on Equity (ROE) | 1.9800% | 3,989 |
| Retained earnings to average equity (ytd only) | 1.9804% | 3,379 |
| Net charge-offs to loans | 0.0106% | 2,523 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 1,204 |
| Efficiency ratio | 88.6328% | 564 |
| Assets per employee ($millions) | 9.9709% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 4,054 |
| Loan loss allowance to noncurrent loans | 255.5133% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 2,624 |
| Noncurrent loans to loans | 0.2755% | 2,437 |
| Net loans and leases to total assets | 59.4200% | 2,995 |
| Net loans and leases to deposits | 70.7895% | 2,894 |
| Net loans and leases to core deposits | 97.3775% | 1,630 |
| Total domestic deposits to total assets | 83.9400% | 2,801 |
| Equity capital to assets | 12.4193% | 1,044 |
| Core capital (leverage) ratio | 14.5622% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0101% | 374 |
| Memoranda: | ||
| Average total assets | $156,260,600 | 3,306 |
| Average earning assets | $146,014,800 | 3,293 |
| Average equity | $19,743,600 | 2,991 |
| Average total loans | $93,947,800 | 3,265 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 3,096 |
| Cost of funding earning assets | 2.0698% | 2,050 |
| Net interest margin | 2.8879% | 3,306 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.5621% | 2,055 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.2505% | 3,928 |
| Return on assets (ROA) | 0.2505% | 3,958 |
| Pretax return on assets | 0.3199% | 3,924 |
| Return on Equity (ROE) | 1.9700% | 4,028 |
| Retained earnings to average equity (ytd only) | 1.9736% | 3,471 |
| Net charge-offs to loans | 0.0142% | 2,132 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 38.3000% | 1,365 |
| Efficiency ratio | 88.6350% | 599 |
| Assets per employee ($millions) | 9.2619% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 4,064 |
| Loan loss allowance to noncurrent loans | 72.1805% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 1,214 |
| Noncurrent loans to loans | 0.9924% | 1,007 |
| Net loans and leases to total assets | 59.1500% | 2,997 |
| Net loans and leases to deposits | 70.9909% | 2,903 |
| Net loans and leases to core deposits | 98.1765% | 1,608 |
| Total domestic deposits to total assets | 83.3300% | 2,754 |
| Equity capital to assets | 13.0268% | 962 |
| Core capital (leverage) ratio | 14.4430% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0281% | 341 |
| Memoranda: | ||
| Average total assets | $155,442,250 | 3,316 |
| Average earning assets | $145,197,750 | 3,299 |
| Average equity | $19,726,250 | 2,986 |
| Average total loans | $93,567,500 | 3,278 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 3,153 |
| Cost of funding earning assets | 1.9954% | 2,126 |
| Net interest margin | 2.8777% | 3,288 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.5857% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2274% | 3,962 |
| Return on assets (ROA) | 0.2274% | 3,999 |
| Pretax return on assets | 0.2920% | 3,948 |
| Return on Equity (ROE) | 1.8100% | 4,045 |
| Retained earnings to average equity (ytd only) | 1.8084% | 3,403 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.8518% | 569 |
| Assets per employee ($millions) | 8.6382% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 4,089 |
| Loan loss allowance to noncurrent loans | 71.7949% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 1,131 |
| Noncurrent loans to loans | 0.9897% | 942 |
| Net loans and leases to total assets | 60.3900% | 2,918 |
| Net loans and leases to deposits | 72.1388% | 2,831 |
| Net loans and leases to core deposits | 99.8469% | 1,495 |
| Total domestic deposits to total assets | 83.7100% | 2,683 |
| Equity capital to assets | 12.5219% | 1,005 |
| Core capital (leverage) ratio | 14.6350% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6952% | 388 |
| Memoranda: | ||
| Average total assets | $154,772,333 | 3,325 |
| Average earning assets | $144,629,333 | 3,309 |
| Average equity | $19,464,667 | 2,983 |
| Average total loans | $93,486,000 | 3,277 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 3,521 |
| Cost of funding earning assets | 1.9128% | 2,217 |
| Net interest margin | 2.6890% | 3,586 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.5075% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1166% | 4,088 |
| Return on assets (ROA) | 0.1166% | 4,129 |
| Pretax return on assets | 0.1502% | 4,106 |
| Return on Equity (ROE) | 0.9200% | 4,155 |
| Retained earnings to average equity (ytd only) | 0.9249% | 3,517 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 94.3470% | 429 |
| Assets per employee ($millions) | 9.0506% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 4,050 |
| Loan loss allowance to noncurrent loans | 42.7209% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 559 |
| Noncurrent loans to loans | 1.7275% | 422 |
| Net loans and leases to total assets | 58.7500% | 2,986 |
| Net loans and leases to deposits | 70.1888% | 2,865 |
| Net loans and leases to core deposits | 94.8059% | 1,728 |
| Total domestic deposits to total assets | 83.7000% | 2,807 |
| Equity capital to assets | 12.5756% | 965 |
| Core capital (leverage) ratio | 14.7265% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2138% | 420 |
| Memoranda: | ||
| Average total assets | $154,415,000 | 3,338 |
| Average earning assets | $144,291,500 | 3,325 |
| Average equity | $19,462,000 | 2,996 |
| Average total loans | $92,944,000 | 3,289 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 3,273 |
| Cost of funding earning assets | 1.2555% | 2,644 |
| Net interest margin | 3.1438% | 2,994 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.4732% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5089% | 3,652 |
| Return on assets (ROA) | 0.5079% | 3,646 |
| Pretax return on assets | 0.6520% | 3,531 |
| Return on Equity (ROE) | 4.0900% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.0859% | 2,930 |
| Net charge-offs to loans | 0.0079% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 139.8571% | 746 |
| Efficiency ratio | 79.1035% | 978 |
| Assets per employee ($millions) | 9.1158% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 4,109 |
| Loan loss allowance to noncurrent loans | 44.9498% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 520 |
| Noncurrent loans to loans | 1.5765% | 418 |
| Net loans and leases to total assets | 60.7600% | 2,776 |
| Net loans and leases to deposits | 72.6195% | 2,720 |
| Net loans and leases to core deposits | 96.9172% | 1,606 |
| Total domestic deposits to total assets | 83.6700% | 2,716 |
| Equity capital to assets | 12.6316% | 959 |
| Core capital (leverage) ratio | 14.7569% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5142% | 452 |
| Memoranda: | ||
| Average total assets | $149,847,200 | 3,365 |
| Average earning assets | $139,705,200 | 3,348 |
| Average equity | $18,625,000 | 2,967 |
| Average total loans | $89,134,600 | 3,301 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 3,241 |
| Cost of funding earning assets | 1.0605% | 2,858 |
| Net interest margin | 3.2701% | 2,750 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4904% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5901% | 3,568 |
| Return on assets (ROA) | 0.5887% | 3,557 |
| Pretax return on assets | 0.7556% | 3,436 |
| Return on Equity (ROE) | 4.7600% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.7567% | 3,020 |
| Net charge-offs to loans | 0.0106% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 120.5714% | 840 |
| Efficiency ratio | 76.6786% | 1,116 |
| Assets per employee ($millions) | 8.3586% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 4,086 |
| Loan loss allowance to noncurrent loans | 41.5584% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 459 |
| Noncurrent loans to loans | 1.7795% | 367 |
| Net loans and leases to total assets | 59.9500% | 2,852 |
| Net loans and leases to deposits | 69.6814% | 2,862 |
| Net loans and leases to core deposits | 90.7944% | 1,872 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 11.8780% | 1,068 |
| Core capital (leverage) ratio | 14.5801% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3723% | 409 |
| Memoranda: | ||
| Average total assets | $148,566,750 | 3,388 |
| Average earning assets | $138,424,250 | 3,367 |
| Average equity | $18,387,500 | 2,973 |
| Average total loans | $87,711,000 | 3,325 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,324 |
| Cost of funding earning assets | 0.8371% | 3,109 |
| Net interest margin | 3.3483% | 2,649 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.4321% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6781% | 3,392 |
| Return on assets (ROA) | 0.6760% | 3,398 |
| Pretax return on assets | 0.8760% | 3,225 |
| Return on Equity (ROE) | 5.3900% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.3880% | 2,826 |
| Net charge-offs to loans | 0.0162% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 92.8571% | 979 |
| Efficiency ratio | 73.4586% | 1,406 |
| Assets per employee ($millions) | 7.5403% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,071 |
| Loan loss allowance to noncurrent loans | 71.8717% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 811 |
| Noncurrent loans to loans | 1.0743% | 679 |
| Net loans and leases to total assets | 60.2800% | 2,746 |
| Net loans and leases to deposits | 73.1871% | 2,568 |
| Net loans and leases to core deposits | 81.0527% | 2,405 |
| Total domestic deposits to total assets | 82.3600% | 3,163 |
| Equity capital to assets | 13.0554% | 794 |
| Core capital (leverage) ratio | 15.3306% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9159% | 390 |
| Memoranda: | ||
| Average total assets | $147,937,333 | 3,399 |
| Average earning assets | $137,861,333 | 3,383 |
| Average equity | $18,559,667 | 2,981 |
| Average total loans | $86,658,333 | 3,342 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,185 |
| Cost of funding earning assets | 0.5057% | 3,668 |
| Net interest margin | 3.6253% | 2,069 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.4915% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8358% | 3,069 |
| Return on assets (ROA) | 0.8358% | 3,027 |
| Pretax return on assets | 1.0860% | 2,746 |
| Return on Equity (ROE) | 6.7900% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.7938% | 2,552 |
| Net charge-offs to loans | 0.0324% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 58.2857% | 1,039 |
| Efficiency ratio | 69.6429% | 1,785 |
| Assets per employee ($millions) | 8.6300% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,292 |
| Loan loss allowance to noncurrent loans | 60.7864% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 784 |
| Noncurrent loans to loans | 1.0855% | 657 |
| Net loans and leases to total assets | 58.7000% | 2,803 |
| Net loans and leases to deposits | 72.2509% | 2,451 |
| Net loans and leases to core deposits | 85.6222% | 1,887 |
| Total domestic deposits to total assets | 81.2400% | 3,599 |
| Equity capital to assets | 12.9337% | 769 |
| Core capital (leverage) ratio | 14.4599% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6700% | 368 |
| Memoranda: | ||
| Average total assets | $150,273,000 | 3,422 |
| Average earning assets | $140,016,500 | 3,408 |
| Average equity | $18,487,500 | 3,018 |
| Average total loans | $86,471,500 | 3,380 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 3,963 |
| Cost of funding earning assets | 0.2816% | 3,025 |
| Net interest margin | 2.8344% | 3,823 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.0995% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5647% | 3,957 |
| Return on assets (ROA) | 0.5647% | 3,923 |
| Pretax return on assets | 0.7295% | 3,795 |
| Return on Equity (ROE) | 4.7500% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.7527% | 3,155 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.2130% | 1,197 |
| Assets per employee ($millions) | 9.6148% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 4,251 |
| Loan loss allowance to noncurrent loans | 46.4687% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 580 |
| Noncurrent loans to loans | 1.4446% | 460 |
| Net loans and leases to total assets | 55.6900% | 3,064 |
| Net loans and leases to deposits | 63.2645% | 3,097 |
| Net loans and leases to core deposits | 68.2879% | 2,993 |
| Total domestic deposits to total assets | 88.0300% | 2,068 |
| Equity capital to assets | 11.7008% | 1,021 |
| Core capital (leverage) ratio | 14.1319% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,326,200 | 3,364 |
| Average earning assets | $149,169,600 | 3,335 |
| Average equity | $18,810,200 | 3,054 |
| Average total loans | $80,931,000 | 3,403 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8628% | 4,109 |
| Cost of funding earning assets | 0.2677% | 2,511 |
| Net interest margin | 2.5951% | 4,109 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.0278% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4649% | 4,139 |
| Return on assets (ROA) | 0.4649% | 4,086 |
| Pretax return on assets | 0.5996% | 3,994 |
| Return on Equity (ROE) | 3.9000% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.8990% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1801% | 981 |
| Assets per employee ($millions) | 9.7811% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 4,264 |
| Loan loss allowance to noncurrent loans | 65.1294% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 936 |
| Noncurrent loans to loans | 1.0627% | 710 |
| Net loans and leases to total assets | 53.0900% | 3,182 |
| Net loans and leases to deposits | 60.7485% | 3,132 |
| Net loans and leases to core deposits | 64.1339% | 3,101 |
| Total domestic deposits to total assets | 87.3900% | 2,626 |
| Equity capital to assets | 11.1114% | 1,139 |
| Core capital (leverage) ratio | 13.6448% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9884% | 379 |
| Memoranda: | ||
| Average total assets | $159,448,750 | 3,371 |
| Average earning assets | $150,432,250 | 3,346 |
| Average equity | $19,012,750 | 3,076 |
| Average total loans | $79,600,500 | 3,428 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 4,161 |
| Cost of funding earning assets | 0.2693% | 2,034 |
| Net interest margin | 2.4148% | 4,209 |
| Noninterest income to average assets | 0.1695% | 4,163 |
| Noninterest expense to average assets | 1.9896% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3665% | 4,175 |
| Return on assets (ROA) | 0.3665% | 4,133 |
| Pretax return on assets | 0.4600% | 4,062 |
| Return on Equity (ROE) | 3.0071% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.0071% | 3,442 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2214% | 857 |
| Assets per employee ($millions) | 9.8792% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,259 |
| Loan loss allowance to noncurrent loans | 49.8279% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 726 |
| Noncurrent loans to loans | 1.5082% | 494 |
| Net loans and leases to total assets | 48.3757% | 3,521 |
| Net loans and leases to deposits | 55.6667% | 3,409 |
| Net loans and leases to core deposits | 59.1293% | 3,337 |
| Total domestic deposits to total assets | 86.9024% | 2,970 |
| Equity capital to assets | 11.5084% | 1,030 |
| Core capital (leverage) ratio | 13.1881% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9846% | 323 |
| Memoranda: | ||
| Average total assets | $160,432,667 | 3,407 |
| Average earning assets | $151,484,000 | 3,383 |
| Average equity | $19,554,000 | 3,106 |
| Average total loans | $78,248,000 | 3,479 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5733% | 4,169 |
| Cost of funding earning assets | 0.2667% | 1,959 |
| Net interest margin | 2.3066% | 4,227 |
| Noninterest income to average assets | 0.1609% | 4,191 |
| Noninterest expense to average assets | 2.0642% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2401% | 4,259 |
| Return on assets (ROA) | 0.2401% | 4,232 |
| Pretax return on assets | 0.2797% | 4,214 |
| Return on Equity (ROE) | 1.9174% | 4,269 |
| Retained earnings to average equity (ytd only) | 1.9174% | 3,565 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0676% | 634 |
| Assets per employee ($millions) | 10.9155% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,319 |
| Loan loss allowance to noncurrent loans | 51.4210% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 827 |
| Noncurrent loans to loans | 1.4466% | 579 |
| Net loans and leases to total assets | 47.1860% | 3,471 |
| Net loans and leases to deposits | 54.4607% | 3,383 |
| Net loans and leases to core deposits | 57.6100% | 3,332 |
| Total domestic deposits to total assets | 86.6423% | 3,052 |
| Equity capital to assets | 11.8699% | 1,001 |
| Core capital (leverage) ratio | 12.7809% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5909% | 313 |
| Memoranda: | ||
| Average total assets | $161,615,500 | 3,409 |
| Average earning assets | $152,954,000 | 3,381 |
| Average equity | $20,235,500 | 3,127 |
| Average total loans | $78,849,500 | 3,474 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8648% | 4,111 |
| Cost of funding earning assets | 0.3170% | 2,229 |
| Net interest margin | 2.5478% | 4,126 |
| Noninterest income to average assets | 0.2042% | 4,144 |
| Noninterest expense to average assets | 2.1923% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3334% | 4,380 |
| Return on assets (ROA) | 0.3334% | 4,400 |
| Pretax return on assets | 0.4199% | 4,370 |
| Return on Equity (ROE) | 2.3576% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.3576% | 3,870 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9244% | 576 |
| Assets per employee ($millions) | 9.9686% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,384 |
| Loan loss allowance to noncurrent loans | 34.8375% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 516 |
| Noncurrent loans to loans | 2.0811% | 373 |
| Net loans and leases to total assets | 49.7072% | 3,321 |
| Net loans and leases to deposits | 58.3059% | 3,227 |
| Net loans and leases to core deposits | 61.9652% | 3,167 |
| Total domestic deposits to total assets | 85.2525% | 3,188 |
| Equity capital to assets | 13.1889% | 848 |
| Core capital (leverage) ratio | 13.2754% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6766% | 324 |
| Memoranda: | ||
| Average total assets | $147,880,400 | 3,503 |
| Average earning assets | $139,767,200 | 3,477 |
| Average equity | $20,911,400 | 3,134 |
| Average total loans | $80,374,400 | 3,479 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9866% | 4,028 |
| Cost of funding earning assets | 0.3322% | 2,275 |
| Net interest margin | 2.6544% | 4,049 |
| Noninterest income to average assets | 0.2088% | 4,154 |
| Noninterest expense to average assets | 2.2357% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3780% | 4,406 |
| Return on assets (ROA) | 0.3780% | 4,440 |
| Pretax return on assets | 0.4791% | 4,396 |
| Return on Equity (ROE) | 2.6244% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.6244% | 4,025 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3509% | 616 |
| Assets per employee ($millions) | 9.5398% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 4,440 |
| Loan loss allowance to noncurrent loans | 56.0503% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 1,112 |
| Noncurrent loans to loans | 1.3166% | 816 |
| Net loans and leases to total assets | 51.0250% | 3,298 |
| Net loans and leases to deposits | 60.2572% | 3,209 |
| Net loans and leases to core deposits | 64.3922% | 3,096 |
| Total domestic deposits to total assets | 84.6787% | 3,234 |
| Equity capital to assets | 13.8695% | 763 |
| Core capital (leverage) ratio | 13.7135% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1798% | 330 |
| Memoranda: | ||
| Average total assets | $144,976,000 | 3,568 |
| Average earning assets | $136,875,500 | 3,542 |
| Average equity | $20,880,250 | 3,173 |
| Average total loans | $80,502,750 | 3,517 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0013% | 4,043 |
| Cost of funding earning assets | 0.3638% | 2,192 |
| Net interest margin | 2.6375% | 4,104 |
| Noninterest income to average assets | 0.2247% | 4,055 |
| Noninterest expense to average assets | 2.2904% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3328% | 4,485 |
| Return on assets (ROA) | 0.3328% | 4,510 |
| Pretax return on assets | 0.4185% | 4,485 |
| Return on Equity (ROE) | 2.2806% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.2806% | 4,052 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5516% | 528 |
| Assets per employee ($millions) | 9.0961% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,503 |
| Loan loss allowance to noncurrent loans | 56.1591% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 1,159 |
| Noncurrent loans to loans | 1.2784% | 924 |
| Net loans and leases to total assets | 55.0156% | 3,016 |
| Net loans and leases to deposits | 65.4632% | 2,868 |
| Net loans and leases to core deposits | 69.9687% | 2,785 |
| Total domestic deposits to total assets | 84.0405% | 3,427 |
| Equity capital to assets | 14.3805% | 644 |
| Core capital (leverage) ratio | 14.2003% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3139% | 365 |
| Memoranda: | ||
| Average total assets | $142,422,333 | 3,607 |
| Average earning assets | $134,143,667 | 3,581 |
| Average equity | $20,783,667 | 3,177 |
| Average total loans | $81,183,000 | 3,528 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9955% | 4,093 |
| Cost of funding earning assets | 0.4032% | 2,069 |
| Net interest margin | 2.5923% | 4,166 |
| Noninterest income to average assets | 0.2186% | 4,079 |
| Noninterest expense to average assets | 2.3029% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2754% | 4,550 |
| Return on assets (ROA) | 0.2754% | 4,578 |
| Pretax return on assets | 0.3436% | 4,555 |
| Return on Equity (ROE) | 1.8734% | 4,618 |
| Retained earnings to average equity (ytd only) | 1.8734% | 4,036 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0172% | 478 |
| Assets per employee ($millions) | 8.9015% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,567 |
| Loan loss allowance to noncurrent loans | 72.2846% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 1,688 |
| Noncurrent loans to loans | 0.9721% | 1,393 |
| Net loans and leases to total assets | 57.4482% | 2,862 |
| Net loans and leases to deposits | 68.5323% | 2,647 |
| Net loans and leases to core deposits | 72.8779% | 2,626 |
| Total domestic deposits to total assets | 83.8265% | 3,492 |
| Equity capital to assets | 14.4905% | 571 |
| Core capital (leverage) ratio | 14.4134% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9266% | 357 |
| Memoranda: | ||
| Average total assets | $140,865,000 | 3,630 |
| Average earning assets | $131,931,000 | 3,609 |
| Average equity | $20,711,000 | 3,179 |
| Average total loans | $81,451,000 | 3,534 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 4,127 |
| Cost of funding earning assets | 0.4865% | 3,036 |
| Net interest margin | 2.9607% | 3,984 |
| Noninterest income to average assets | 0.1633% | 4,477 |
| Noninterest expense to average assets | 2.4139% | 3,102 |
| Loan and lease loss provision to assets | 0.0278% | 4,050 |
| Net operating income to assets | 0.4117% | 4,222 |
| Return on assets (ROA) | 0.4117% | 4,301 |
| Pretax return on assets | 0.5201% | 4,237 |
| Return on Equity (ROE) | 2.7191% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.7191% | 3,502 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4994% | 778 |
| Assets per employee ($millions) | 8.7066% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 4,558 |
| Loan loss allowance to noncurrent loans | 74.7097% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 1,899 |
| Noncurrent loans to loans | 0.9627% | 1,470 |
| Net loans and leases to total assets | 57.3730% | 3,155 |
| Net loans and leases to deposits | 68.7276% | 3,008 |
| Net loans and leases to core deposits | 73.2979% | 2,971 |
| Total domestic deposits to total assets | 83.4788% | 3,270 |
| Equity capital to assets | 14.9197% | 586 |
| Core capital (leverage) ratio | 14.4996% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5628% | 333 |
| Memoranda: | ||
| Average total assets | $132,855,600 | 3,592 |
| Average earning assets | $125,580,400 | 3,563 |
| Average equity | $20,116,600 | 3,181 |
| Average total loans | $77,500,600 | 3,602 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,210 |
| Cost of funding earning assets | 0.5047% | 3,190 |
| Net interest margin | 2.9970% | 3,985 |
| Noninterest income to average assets | 0.1646% | 4,477 |
| Noninterest expense to average assets | 2.4290% | 3,055 |
| Loan and lease loss provision to assets | 0.0221% | 4,052 |
| Net operating income to assets | 0.4287% | 4,208 |
| Return on assets (ROA) | 0.4287% | 4,272 |
| Pretax return on assets | 0.5425% | 4,201 |
| Return on Equity (ROE) | 2.8203% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.8203% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1334% | 784 |
| Assets per employee ($millions) | 8.6783% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 4,546 |
| Loan loss allowance to noncurrent loans | 29.3597% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.3835% | 654 |
| Noncurrent loans to loans | 2.4383% | 435 |
| Net loans and leases to total assets | 56.3330% | 3,590 |
| Net loans and leases to deposits | 67.4793% | 3,516 |
| Net loans and leases to core deposits | 72.6709% | 3,418 |
| Total domestic deposits to total assets | 83.4818% | 2,996 |
| Equity capital to assets | 14.8610% | 671 |
| Core capital (leverage) ratio | 14.7493% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9348% | 332 |
| Memoranda: | ||
| Average total assets | $131,243,000 | 3,597 |
| Average earning assets | $123,897,750 | 3,565 |
| Average equity | $19,949,750 | 3,190 |
| Average total loans | $76,750,000 | 3,631 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,194 |
| Cost of funding earning assets | 0.5303% | 3,350 |
| Net interest margin | 3.1092% | 3,884 |
| Noninterest income to average assets | 0.1818% | 4,371 |
| Noninterest expense to average assets | 2.4925% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4910% | 4,043 |
| Return on assets (ROA) | 0.4910% | 4,116 |
| Pretax return on assets | 0.6231% | 4,015 |
| Return on Equity (ROE) | 3.2047% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.2047% | 3,303 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 895 |
| Assets per employee ($millions) | 8.3821% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6915% | 4,582 |
| Loan loss allowance to noncurrent loans | 19.8172% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.0393% | 343 |
| Noncurrent loans to loans | 3.4891% | 227 |
| Net loans and leases to total assets | 58.0436% | 3,509 |
| Net loans and leases to deposits | 70.0282% | 3,418 |
| Net loans and leases to core deposits | 75.4171% | 3,336 |
| Total domestic deposits to total assets | 82.8861% | 3,116 |
| Equity capital to assets | 15.1984% | 589 |
| Core capital (leverage) ratio | 15.4535% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0367% | 365 |
| Memoranda: | ||
| Average total assets | $128,706,333 | 3,612 |
| Average earning assets | $121,447,333 | 3,584 |
| Average equity | $19,721,333 | 3,204 |
| Average total loans | $76,072,000 | 3,645 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 4,023 |
| Cost of funding earning assets | 0.5504% | 3,689 |
| Net interest margin | 3.3531% | 3,440 |
| Noninterest income to average assets | 0.1492% | 4,622 |
| Noninterest expense to average assets | 2.5904% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5619% | 3,703 |
| Return on assets (ROA) | 0.5619% | 3,770 |
| Pretax return on assets | 0.7111% | 3,648 |
| Return on Equity (ROE) | 3.6513% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.6513% | 2,821 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4615% | 1,284 |
| Assets per employee ($millions) | 7.9516% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,589 |
| Loan loss allowance to noncurrent loans | 29.1241% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 747 |
| Noncurrent loans to loans | 2.4415% | 501 |
| Net loans and leases to total assets | 59.4860% | 3,546 |
| Net loans and leases to deposits | 71.7934% | 3,448 |
| Net loans and leases to core deposits | 76.8897% | 3,437 |
| Total domestic deposits to total assets | 82.8571% | 3,152 |
| Equity capital to assets | 14.9845% | 763 |
| Core capital (leverage) ratio | 15.6862% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1477% | 355 |
| Memoranda: | ||
| Average total assets | $126,003,000 | 3,626 |
| Average earning assets | $118,458,000 | 3,597 |
| Average equity | $19,390,500 | 3,223 |
| Average total loans | $74,915,000 | 3,664 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 4,328 |
| Cost of funding earning assets | 0.5733% | 3,752 |
| Net interest margin | 3.3938% | 3,769 |
| Noninterest income to average assets | 0.2017% | 4,452 |
| Noninterest expense to average assets | 2.6027% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5618% | 4,265 |
| Return on assets (ROA) | 0.5586% | 4,325 |
| Pretax return on assets | 0.7276% | 4,144 |
| Return on Equity (ROE) | 3.6186% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.6186% | 3,189 |
| Net charge-offs to loans | 0.0014% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 896.0000% | 115 |
| Efficiency ratio | 78.0554% | 1,145 |
| Assets per employee ($millions) | 7.7988% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,493 |
| Loan loss allowance to noncurrent loans | 28.3770% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.5307% | 657 |
| Noncurrent loans to loans | 2.5949% | 407 |
| Net loans and leases to total assets | 58.5546% | 3,713 |
| Net loans and leases to deposits | 71.4390% | 3,555 |
| Net loans and leases to core deposits | 77.0947% | 3,507 |
| Total domestic deposits to total assets | 81.9644% | 3,519 |
| Equity capital to assets | 15.8013% | 638 |
| Core capital (leverage) ratio | 15.6597% | 565 |
| Tier 1 risk-based capital ratio | 27.4739% | 590 |
| Total risk-based capital ratio | 28.2375% | 606 |
| Memoranda: | ||
| Average total assets | $122,449,000 | 3,660 |
| Average earning assets | $113,031,200 | 3,662 |
| Average equity | $18,902,200 | 3,233 |
| Average total loans | $73,412,800 | 3,710 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 4,637 |
| Cost of funding earning assets | 0.5772% | 3,785 |
| Net interest margin | 3.2523% | 4,180 |
| Noninterest income to average assets | 0.2199% | 4,413 |
| Noninterest expense to average assets | 2.4223% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6017% | 4,289 |
| Return on assets (ROA) | 0.5974% | 4,348 |
| Pretax return on assets | 0.7823% | 4,168 |
| Return on Equity (ROE) | 3.8933% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.8933% | 3,454 |
| Net charge-offs to loans | 0.0018% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 721.7895% | 132 |
| Efficiency ratio | 75.4601% | 1,392 |
| Assets per employee ($millions) | 7.2238% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,541 |
| Loan loss allowance to noncurrent loans | 51.4720% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 1,595 |
| Noncurrent loans to loans | 1.4618% | 1,041 |
| Net loans and leases to total assets | 58.2180% | 3,862 |
| Net loans and leases to deposits | 71.3399% | 3,657 |
| Net loans and leases to core deposits | 77.7134% | 3,576 |
| Total domestic deposits to total assets | 81.6065% | 3,585 |
| Equity capital to assets | 15.9514% | 639 |
| Core capital (leverage) ratio | 15.5963% | 624 |
| Tier 1 risk-based capital ratio | 26.8655% | 654 |
| Total risk-based capital ratio | 27.6254% | 670 |
| Memoranda: | ||
| Average total assets | $121,866,000 | 3,703 |
| Average earning assets | $112,041,500 | 3,713 |
| Average equity | $18,698,500 | 3,282 |
| Average total loans | $73,364,250 | 3,755 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 4,199 |
| Cost of funding earning assets | 0.5644% | 3,812 |
| Net interest margin | 3.5212% | 3,528 |
| Noninterest income to average assets | 0.2172% | 4,446 |
| Noninterest expense to average assets | 2.6260% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6162% | 4,263 |
| Return on assets (ROA) | 0.6071% | 4,332 |
| Pretax return on assets | 0.8029% | 4,088 |
| Return on Equity (ROE) | 4.0105% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.0105% | 3,247 |
| Net charge-offs to loans | 0.0027% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 155 |
| Efficiency ratio | 76.3271% | 1,351 |
| Assets per employee ($millions) | 7.8330% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,635 |
| Loan loss allowance to noncurrent loans | 131.5534% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,219 |
| Noncurrent loans to loans | 0.5590% | 2,595 |
| Net loans and leases to total assets | 58.3764% | 3,874 |
| Net loans and leases to deposits | 72.5389% | 3,636 |
| Net loans and leases to core deposits | 78.4234% | 3,548 |
| Total domestic deposits to total assets | 80.4760% | 3,945 |
| Equity capital to assets | 14.9536% | 828 |
| Core capital (leverage) ratio | 15.3456% | 641 |
| Tier 1 risk-based capital ratio | 26.4785% | 659 |
| Total risk-based capital ratio | 27.2343% | 674 |
| Memoranda: | ||
| Average total assets | $121,553,330 | 3,733 |
| Average earning assets | $111,268,330 | 3,754 |
| Average equity | $18,401,670 | 3,305 |
| Average total loans | $73,807,000 | 3,767 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 4,265 |
| Cost of funding earning assets | 0.5106% | 4,011 |
| Net interest margin | 3.5375% | 3,473 |
| Noninterest income to average assets | 0.2039% | 4,531 |
| Noninterest expense to average assets | 2.5605% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6636% | 4,048 |
| Return on assets (ROA) | 0.6451% | 4,143 |
| Pretax return on assets | 0.8624% | 3,888 |
| Return on Equity (ROE) | 4.2343% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.2343% | 3,225 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2968% | 1,717 |
| Assets per employee ($millions) | 7.5763% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 4,704 |
| Loan loss allowance to noncurrent loans | 120.1774% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 3,103 |
| Noncurrent loans to loans | 0.6113% | 2,506 |
| Net loans and leases to total assets | 60.4125% | 3,664 |
| Net loans and leases to deposits | 75.7711% | 3,283 |
| Net loans and leases to core deposits | 81.3508% | 3,236 |
| Total domestic deposits to total assets | 79.7302% | 4,218 |
| Equity capital to assets | 15.1906% | 714 |
| Core capital (leverage) ratio | 16.0368% | 526 |
| Tier 1 risk-based capital ratio | 25.5813% | 718 |
| Total risk-based capital ratio | 26.3184% | 741 |
| Memoranda: | ||
| Average total assets | $119,666,000 | 3,811 |
| Average earning assets | $109,683,000 | 3,820 |
| Average equity | $18,232,000 | 3,333 |
| Average total loans | $73,858,500 | 3,806 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 4,132 |
| Cost of funding earning assets | 0.3378% | 4,363 |
| Net interest margin | 3.6259% | 3,295 |
| Noninterest income to average assets | 0.2063% | 4,684 |
| Noninterest expense to average assets | 2.8944% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4840% | 4,692 |
| Return on assets (ROA) | 0.4840% | 4,694 |
| Pretax return on assets | 0.6573% | 4,523 |
| Return on Equity (ROE) | 3.0511% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.0511% | 3,870 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4936% | 846 |
| Assets per employee ($millions) | 7.3820% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 4,723 |
| Loan loss allowance to noncurrent loans | 132.7628% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,164 |
| Noncurrent loans to loans | 0.5531% | 2,613 |
| Net loans and leases to total assets | 62.1444% | 3,551 |
| Net loans and leases to deposits | 78.0801% | 3,158 |
| Net loans and leases to core deposits | 83.7020% | 3,117 |
| Total domestic deposits to total assets | 79.5906% | 4,195 |
| Equity capital to assets | 15.2821% | 650 |
| Core capital (leverage) ratio | 16.2685% | 482 |
| Tier 1 risk-based capital ratio | 27.1541% | 606 |
| Total risk-based capital ratio | 27.9460% | 621 |
| Memoranda: | ||
| Average total assets | $111,974,400 | 3,911 |
| Average earning assets | $103,312,800 | 3,926 |
| Average equity | $17,764,000 | 3,323 |
| Average total loans | $67,922,800 | 3,920 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 4,213 |
| Cost of funding earning assets | 0.3113% | 4,442 |
| Net interest margin | 3.5888% | 3,405 |
| Noninterest income to average assets | 0.2185% | 4,657 |
| Noninterest expense to average assets | 2.8709% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4853% | 4,787 |
| Return on assets (ROA) | 0.4853% | 4,793 |
| Pretax return on assets | 0.6604% | 4,621 |
| Return on Equity (ROE) | 3.0295% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.0295% | 4,224 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2991% | 829 |
| Assets per employee ($millions) | 7.0247% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,744 |
| Loan loss allowance to noncurrent loans | 109.0361% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 2,912 |
| Noncurrent loans to loans | 0.6938% | 2,344 |
| Net loans and leases to total assets | 63.3818% | 3,499 |
| Net loans and leases to deposits | 79.8937% | 3,059 |
| Net loans and leases to core deposits | 84.3572% | 3,131 |
| Total domestic deposits to total assets | 79.3327% | 4,247 |
| Equity capital to assets | 15.6644% | 589 |
| Core capital (leverage) ratio | 16.4717% | 457 |
| Tier 1 risk-based capital ratio | 25.4137% | 716 |
| Total risk-based capital ratio | 26.1607% | 741 |
| Memoranda: | ||
| Average total assets | $110,440,000 | 3,979 |
| Average earning assets | $101,945,250 | 3,987 |
| Average equity | $17,692,500 | 3,355 |
| Average total loans | $66,417,750 | 3,987 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,401 |
| Cost of funding earning assets | 0.2869% | 4,519 |
| Net interest margin | 3.4880% | 3,670 |
| Noninterest income to average assets | 0.2277% | 4,658 |
| Noninterest expense to average assets | 2.9147% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3935% | 4,968 |
| Return on assets (ROA) | 0.3935% | 4,975 |
| Pretax return on assets | 0.5465% | 4,822 |
| Return on Equity (ROE) | 2.4377% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.4377% | 4,288 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 677 |
| Assets per employee ($millions) | 6.9806% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 4,708 |
| Loan loss allowance to noncurrent loans | 100.5556% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 2,828 |
| Noncurrent loans to loans | 0.7932% | 2,147 |
| Net loans and leases to total assets | 60.4692% | 3,765 |
| Net loans and leases to deposits | 74.9340% | 3,443 |
| Net loans and leases to core deposits | 79.0630% | 3,491 |
| Total domestic deposits to total assets | 80.6966% | 4,076 |
| Equity capital to assets | 15.8036% | 537 |
| Core capital (leverage) ratio | 16.4176% | 453 |
| Tier 1 risk-based capital ratio | 24.7869% | 754 |
| Total risk-based capital ratio | 25.5228% | 783 |
| Memoranda: | ||
| Average total assets | $109,788,330 | 4,020 |
| Average earning assets | $101,777,000 | 4,023 |
| Average equity | $17,721,330 | 3,362 |
| Average total loans | $64,630,000 | 4,056 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,335 |
| Cost of funding earning assets | 0.2695% | 4,583 |
| Net interest margin | 3.4878% | 3,574 |
| Noninterest income to average assets | 0.2242% | 4,673 |
| Noninterest expense to average assets | 2.8556% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4263% | 4,870 |
| Return on assets (ROA) | 0.4263% | 4,877 |
| Pretax return on assets | 0.6027% | 4,679 |
| Return on Equity (ROE) | 2.6131% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.6131% | 4,131 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5717% | 898 |
| Assets per employee ($millions) | 7.0049% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,591 |
| Loan loss allowance to noncurrent loans | 317.5439% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,318 |
| Noncurrent loans to loans | 0.2717% | 3,797 |
| Net loans and leases to total assets | 55.6639% | 4,148 |
| Net loans and leases to deposits | 68.9580% | 3,879 |
| Net loans and leases to core deposits | 72.7333% | 3,901 |
| Total domestic deposits to total assets | 80.7215% | 4,269 |
| Equity capital to assets | 15.6570% | 547 |
| Core capital (leverage) ratio | 16.9165% | 394 |
| Tier 1 risk-based capital ratio | 23.3741% | 909 |
| Total risk-based capital ratio | 24.0752% | 939 |
| Memoranda: | ||
| Average total assets | $108,837,500 | 4,084 |
| Average earning assets | $100,924,000 | 4,078 |
| Average equity | $17,756,500 | 3,388 |
| Average total loans | $62,904,500 | 4,132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 4,859 |
| Cost of funding earning assets | 0.2466% | 4,595 |
| Net interest margin | 3.2041% | 4,439 |
| Noninterest income to average assets | 0.2235% | 4,809 |
| Noninterest expense to average assets | 2.6727% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3407% | 4,850 |
| Return on assets (ROA) | 0.3407% | 4,874 |
| Pretax return on assets | 0.5369% | 4,868 |
| Return on Equity (ROE) | 2.1374% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.1374% | 4,037 |
| Net charge-offs to loans | 0.0146% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 893 |
| Efficiency ratio | 83.2720% | 831 |
| Assets per employee ($millions) | 6.5998% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 4,620 |
| Loan loss allowance to noncurrent loans | 132.4390% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,307 |
| Noncurrent loans to loans | 0.6520% | 2,588 |
| Net loans and leases to total assets | 59.0320% | 3,918 |
| Net loans and leases to deposits | 73.5207% | 3,554 |
| Net loans and leases to core deposits | 76.4043% | 3,706 |
| Total domestic deposits to total assets | 80.2930% | 4,283 |
| Equity capital to assets | 17.0128% | 399 |
| Core capital (leverage) ratio | 16.8984% | 376 |
| Tier 1 risk-based capital ratio | 26.3709% | 635 |
| Total risk-based capital ratio | 27.1633% | 659 |
| Memoranda: | ||
| Average total assets | $110,074,800 | 4,060 |
| Average earning assets | $102,586,200 | 4,053 |
| Average equity | $17,544,600 | 3,423 |
| Average total loans | $61,542,000 | 4,164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,914 |
| Cost of funding earning assets | 0.2479% | 4,585 |
| Net interest margin | 3.1886% | 4,477 |
| Noninterest income to average assets | 0.1883% | 5,073 |
| Noninterest expense to average assets | 2.6488% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3285% | 5,161 |
| Return on assets (ROA) | 0.3285% | 5,186 |
| Pretax return on assets | 0.5156% | 4,995 |
| Return on Equity (ROE) | 2.0948% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.0948% | 4,604 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7059% | 777 |
| Assets per employee ($millions) | 6.7821% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,430 |
| Loan loss allowance to noncurrent loans | 480.0000% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,714 |
| Noncurrent loans to loans | 0.1936% | 4,308 |
| Net loans and leases to total assets | 54.2267% | 4,396 |
| Net loans and leases to deposits | 67.0064% | 4,182 |
| Net loans and leases to core deposits | 69.5634% | 4,266 |
| Total domestic deposits to total assets | 80.9276% | 4,066 |
| Equity capital to assets | 16.4644% | 486 |
| Core capital (leverage) ratio | 16.5415% | 424 |
| Tier 1 risk-based capital ratio | 28.8839% | 525 |
| Total risk-based capital ratio | 29.7711% | 535 |
| Memoranda: | ||
| Average total assets | $111,194,250 | 4,085 |
| Average earning assets | $103,785,000 | 4,070 |
| Average equity | $17,439,500 | 3,473 |
| Average total loans | $61,207,750 | 4,212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 4,951 |
| Cost of funding earning assets | 0.2484% | 4,554 |
| Net interest margin | 3.1659% | 4,504 |
| Noninterest income to average assets | 0.1570% | 5,268 |
| Noninterest expense to average assets | 2.6693% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2801% | 5,270 |
| Return on assets (ROA) | 0.2801% | 5,287 |
| Pretax return on assets | 0.4443% | 5,093 |
| Return on Equity (ROE) | 1.8153% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.8153% | 4,528 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7307% | 714 |
| Assets per employee ($millions) | 6.9100% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,620 |
| Loan loss allowance to noncurrent loans | 124.6050% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,499 |
| Noncurrent loans to loans | 0.7262% | 2,573 |
| Net loans and leases to total assets | 54.6780% | 4,344 |
| Net loans and leases to deposits | 67.1652% | 4,133 |
| Net loans and leases to core deposits | 70.0381% | 4,221 |
| Total domestic deposits to total assets | 81.4083% | 4,073 |
| Equity capital to assets | 15.8864% | 546 |
| Core capital (leverage) ratio | 15.7723% | 505 |
| Tier 1 risk-based capital ratio | 27.4125% | 584 |
| Total risk-based capital ratio | 28.3192% | 594 |
| Memoranda: | ||
| Average total assets | $112,088,000 | 4,097 |
| Average earning assets | $104,677,000 | 4,081 |
| Average equity | $17,297,330 | 3,498 |
| Average total loans | $61,812,000 | 4,208 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2860% | 5,130 |
| Cost of funding earning assets | 0.2504% | 4,534 |
| Net interest margin | 3.0355% | 4,816 |
| Noninterest income to average assets | 0.1595% | 5,321 |
| Noninterest expense to average assets | 2.5768% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2658% | 5,272 |
| Return on assets (ROA) | 0.2658% | 5,289 |
| Pretax return on assets | 0.4182% | 5,127 |
| Return on Equity (ROE) | 1.7478% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.7478% | 4,414 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0355% | 802 |
| Assets per employee ($millions) | 7.0498% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,796 |
| Loan loss allowance to noncurrent loans | 256.7442% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 4,490 |
| Noncurrent loans to loans | 0.3469% | 3,856 |
| Net loans and leases to total assets | 54.4603% | 4,305 |
| Net loans and leases to deposits | 66.7025% | 4,110 |
| Net loans and leases to core deposits | 69.6853% | 4,169 |
| Total domestic deposits to total assets | 81.6465% | 4,264 |
| Equity capital to assets | 15.2771% | 602 |
| Core capital (leverage) ratio | 15.6305% | 509 |
| Tier 1 risk-based capital ratio | 24.0000% | 870 |
| Total risk-based capital ratio | 24.7975% | 897 |
| Memoranda: | ||
| Average total assets | $112,852,000 | 4,113 |
| Average earning assets | $105,418,500 | 4,094 |
| Average equity | $17,164,000 | 3,526 |
| Average total loans | $62,216,000 | 4,236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2792% | 5,191 |
| Cost of funding earning assets | 0.2501% | 4,564 |
| Net interest margin | 3.0291% | 4,900 |
| Noninterest income to average assets | 0.2366% | 5,000 |
| Noninterest expense to average assets | 2.6969% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2329% | 5,344 |
| Return on assets (ROA) | 0.3919% | 5,051 |
| Pretax return on assets | 0.6203% | 4,734 |
| Return on Equity (ROE) | 2.4846% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.4846% | 4,099 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8833% | 688 |
| Assets per employee ($millions) | 7.0568% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,846 |
| Loan loss allowance to noncurrent loans | 201.4599% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 4,336 |
| Noncurrent loans to loans | 0.4387% | 3,574 |
| Net loans and leases to total assets | 54.8225% | 4,360 |
| Net loans and leases to deposits | 67.7358% | 4,101 |
| Net loans and leases to core deposits | 70.7838% | 4,174 |
| Total domestic deposits to total assets | 80.9358% | 4,351 |
| Equity capital to assets | 15.1415% | 622 |
| Core capital (leverage) ratio | 15.6513% | 508 |
| Tier 1 risk-based capital ratio | 23.3870% | 927 |
| Total risk-based capital ratio | 24.1675% | 961 |
| Memoranda: | ||
| Average total assets | $109,457,600 | 4,174 |
| Average earning assets | $102,342,000 | 4,157 |
| Average equity | $17,266,200 | 3,521 |
| Average total loans | $57,767,400 | 4,354 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 5,307 |
| Cost of funding earning assets | 0.2479% | 4,620 |
| Net interest margin | 2.9882% | 5,034 |
| Noninterest income to average assets | 0.2713% | 4,833 |
| Noninterest expense to average assets | 2.7244% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2148% | 5,441 |
| Return on assets (ROA) | 0.4285% | 5,020 |
| Pretax return on assets | 0.6777% | 4,675 |
| Return on Equity (ROE) | 2.6884% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.6884% | 4,292 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7955% | 627 |
| Assets per employee ($millions) | 7.4545% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,836 |
| Loan loss allowance to noncurrent loans | 53.4884% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 2,253 |
| Noncurrent loans to loans | 1.6965% | 1,237 |
| Net loans and leases to total assets | 53.9095% | 4,495 |
| Net loans and leases to deposits | 67.0821% | 4,235 |
| Net loans and leases to core deposits | 70.1346% | 4,317 |
| Total domestic deposits to total assets | 80.3635% | 4,422 |
| Equity capital to assets | 15.6962% | 596 |
| Core capital (leverage) ratio | 16.1104% | 455 |
| Tier 1 risk-based capital ratio | 22.2837% | 1,098 |
| Total risk-based capital ratio | 23.0308% | 1,142 |
| Memoranda: | ||
| Average total assets | $108,595,000 | 4,220 |
| Average earning assets | $101,640,500 | 4,200 |
| Average equity | $17,308,750 | 3,541 |
| Average total loans | $56,596,500 | 4,422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 5,162 |
| Cost of funding earning assets | 0.2488% | 4,673 |
| Net interest margin | 3.1115% | 4,800 |
| Noninterest income to average assets | 0.3330% | 4,401 |
| Noninterest expense to average assets | 2.8441% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2475% | 5,432 |
| Return on assets (ROA) | 0.5320% | 4,669 |
| Pretax return on assets | 0.8408% | 4,153 |
| Return on Equity (ROE) | 3.3202% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.3202% | 3,790 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7727% | 735 |
| Assets per employee ($millions) | 7.1690% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,616 |
| Loan loss allowance to noncurrent loans | 51.3966% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 2,145 |
| Noncurrent loans to loans | 1.9052% | 1,060 |
| Net loans and leases to total assets | 51.9096% | 4,682 |
| Net loans and leases to deposits | 64.3566% | 4,470 |
| Net loans and leases to core deposits | 67.6495% | 4,504 |
| Total domestic deposits to total assets | 80.6593% | 4,372 |
| Equity capital to assets | 16.2236% | 509 |
| Core capital (leverage) ratio | 15.8256% | 486 |
| Tier 1 risk-based capital ratio | 23.6630% | 942 |
| Total risk-based capital ratio | 24.4679% | 973 |
| Memoranda: | ||
| Average total assets | $107,521,000 | 4,278 |
| Average earning assets | $100,465,000 | 4,258 |
| Average equity | $17,228,000 | 3,554 |
| Average total loans | $55,184,670 | 4,501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 5,360 |
| Cost of funding earning assets | 0.2467% | 4,739 |
| Net interest margin | 3.0317% | 5,039 |
| Noninterest income to average assets | 0.2642% | 4,840 |
| Noninterest expense to average assets | 2.6862% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2524% | 5,433 |
| Return on assets (ROA) | 0.4762% | 4,816 |
| Pretax return on assets | 0.7627% | 4,333 |
| Return on Equity (ROE) | 2.9908% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.9908% | 4,018 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6747% | 915 |
| Assets per employee ($millions) | 6.8493% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 4,561 |
| Loan loss allowance to noncurrent loans | 53.0259% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 2,331 |
| Noncurrent loans to loans | 1.9003% | 1,157 |
| Net loans and leases to total assets | 49.4840% | 4,845 |
| Net loans and leases to deposits | 61.5763% | 4,611 |
| Net loans and leases to core deposits | 64.6746% | 4,645 |
| Total domestic deposits to total assets | 80.3621% | 4,667 |
| Equity capital to assets | 15.6996% | 566 |
| Core capital (leverage) ratio | 16.1321% | 455 |
| Tier 1 risk-based capital ratio | 24.6781% | 847 |
| Total risk-based capital ratio | 25.4776% | 880 |
| Memoranda: | ||
| Average total assets | $107,514,000 | 4,314 |
| Average earning assets | $100,538,500 | 4,286 |
| Average equity | $17,119,000 | 3,564 |
| Average total loans | $54,590,500 | 4,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1866% | 5,530 |
| Cost of funding earning assets | 0.2663% | 4,631 |
| Net interest margin | 2.9203% | 5,295 |
| Noninterest income to average assets | 0.1928% | 5,432 |
| Noninterest expense to average assets | 2.6689% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1689% | 5,642 |
| Return on assets (ROA) | 0.3051% | 5,424 |
| Pretax return on assets | 0.4653% | 5,190 |
| Return on Equity (ROE) | 1.8839% | 5,595 |
| Retained earnings to average equity (ytd only) | 1.8839% | 4,652 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1533% | 620 |
| Assets per employee ($millions) | 6.5899% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 4,517 |
| Loan loss allowance to noncurrent loans | 59.8050% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 2,480 |
| Noncurrent loans to loans | 1.6967% | 1,336 |
| Net loans and leases to total assets | 51.0703% | 4,772 |
| Net loans and leases to deposits | 62.7892% | 4,566 |
| Net loans and leases to core deposits | 66.4437% | 4,559 |
| Total domestic deposits to total assets | 81.3361% | 4,390 |
| Equity capital to assets | 16.1544% | 501 |
| Core capital (leverage) ratio | 15.9079% | 476 |
| Tier 1 risk-based capital ratio | 32.5788% | 410 |
| Total risk-based capital ratio | 33.6422% | 409 |
| Memoranda: | ||
| Average total assets | $104,235,800 | 4,377 |
| Average earning assets | $97,627,400 | 4,349 |
| Average equity | $16,880,200 | 3,545 |
| Average total loans | $51,380,200 | 4,625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 5,627 |
| Cost of funding earning assets | 0.2628% | 4,746 |
| Net interest margin | 2.9049% | 5,403 |
| Noninterest income to average assets | 0.1770% | 5,595 |
| Noninterest expense to average assets | 2.6490% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1633% | 5,746 |
| Return on assets (ROA) | 0.3258% | 5,464 |
| Pretax return on assets | 0.4965% | 5,228 |
| Return on Equity (ROE) | 2.0108% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.0108% | 4,877 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3717% | 603 |
| Assets per employee ($millions) | 6.7857% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,298 |
| Loan loss allowance to noncurrent loans | 42.2665% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 1,964 |
| Noncurrent loans to loans | 2.5743% | 776 |
| Net loans and leases to total assets | 46.2195% | 5,213 |
| Net loans and leases to deposits | 57.0491% | 5,068 |
| Net loans and leases to core deposits | 59.9097% | 5,070 |
| Total domestic deposits to total assets | 81.0170% | 4,468 |
| Equity capital to assets | 15.6193% | 628 |
| Core capital (leverage) ratio | 16.0474% | 482 |
| Tier 1 risk-based capital ratio | 33.9452% | 380 |
| Total risk-based capital ratio | 35.0573% | 380 |
| Memoranda: | ||
| Average total assets | $103,935,000 | 4,427 |
| Average earning assets | $97,395,000 | 4,397 |
| Average equity | $16,842,000 | 3,580 |
| Average total loans | $50,625,250 | 4,690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1990% | 5,625 |
| Cost of funding earning assets | 0.2539% | 4,895 |
| Net interest margin | 2.9450% | 5,347 |
| Noninterest income to average assets | 0.2461% | 5,194 |
| Noninterest expense to average assets | 2.6702% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2230% | 5,640 |
| Return on assets (ROA) | 0.3614% | 5,369 |
| Pretax return on assets | 0.5528% | 5,096 |
| Return on Equity (ROE) | 2.2019% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.2019% | 4,615 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7086% | 853 |
| Assets per employee ($millions) | 6.6016% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 4,493 |
| Loan loss allowance to noncurrent loans | 110.6212% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 4,043 |
| Noncurrent loans to loans | 0.9664% | 2,714 |
| Net loans and leases to total assets | 48.3626% | 5,067 |
| Net loans and leases to deposits | 59.9939% | 4,855 |
| Net loans and leases to core deposits | 62.9388% | 4,882 |
| Total domestic deposits to total assets | 80.6125% | 4,716 |
| Equity capital to assets | 15.8144% | 550 |
| Core capital (leverage) ratio | 15.9147% | 477 |
| Tier 1 risk-based capital ratio | 33.2821% | 419 |
| Total risk-based capital ratio | 34.3840% | 416 |
| Memoranda: | ||
| Average total assets | $102,389,670 | 4,507 |
| Average earning assets | $96,093,670 | 4,464 |
| Average equity | $16,803,330 | 3,599 |
| Average total loans | $50,589,330 | 4,732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2203% | 5,616 |
| Cost of funding earning assets | 0.2415% | 5,115 |
| Net interest margin | 2.9788% | 5,272 |
| Noninterest income to average assets | 0.1588% | 5,786 |
| Noninterest expense to average assets | 2.7428% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1391% | 5,811 |
| Return on assets (ROA) | 0.4168% | 5,129 |
| Pretax return on assets | 0.6272% | 4,843 |
| Return on Equity (ROE) | 2.4921% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.4921% | 4,437 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0013% | 648 |
| Assets per employee ($millions) | 6.4836% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,478 |
| Loan loss allowance to noncurrent loans | 47.8751% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 2,408 |
| Noncurrent loans to loans | 2.3125% | 1,066 |
| Net loans and leases to total assets | 47.5317% | 5,081 |
| Net loans and leases to deposits | 57.6001% | 4,945 |
| Net loans and leases to core deposits | 60.5712% | 4,950 |
| Total domestic deposits to total assets | 82.5202% | 4,348 |
| Equity capital to assets | 16.3008% | 507 |
| Core capital (leverage) ratio | 16.7211% | 391 |
| Tier 1 risk-based capital ratio | 34.1996% | 388 |
| Total risk-based capital ratio | 34.7767% | 398 |
| Memoranda: | ||
| Average total assets | $100,772,000 | 4,579 |
| Average earning assets | $94,400,000 | 4,538 |
| Average equity | $16,853,000 | 3,607 |
| Average total loans | $50,066,500 | 4,784 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 5,789 |
| Cost of funding earning assets | 0.2688% | 5,115 |
| Net interest margin | 2.9673% | 5,515 |
| Noninterest income to average assets | 0.3344% | 4,719 |
| Noninterest expense to average assets | 2.6744% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2763% | 5,582 |
| Return on assets (ROA) | 0.3752% | 5,374 |
| Pretax return on assets | 0.6047% | 4,923 |
| Return on Equity (ROE) | 2.3686% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.3686% | 4,544 |
| Net charge-offs to loans | 0.1856% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.0879% | 3,503 |
| Efficiency ratio | 85.5943% | 1,213 |
| Assets per employee ($millions) | 6.1129% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 4,548 |
| Loan loss allowance to noncurrent loans | 71.3178% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 3,228 |
| Noncurrent loans to loans | 1.5396% | 1,909 |
| Net loans and leases to total assets | 50.8358% | 4,884 |
| Net loans and leases to deposits | 62.2423% | 4,704 |
| Net loans and leases to core deposits | 65.0050% | 4,755 |
| Total domestic deposits to total assets | 81.6741% | 4,539 |
| Equity capital to assets | 17.1726% | 400 |
| Core capital (leverage) ratio | 16.8224% | 385 |
| Tier 1 risk-based capital ratio | 33.2144% | 391 |
| Total risk-based capital ratio | 34.3272% | 387 |
| Memoranda: | ||
| Average total assets | $102,865,600 | 4,531 |
| Average earning assets | $96,722,400 | 4,489 |
| Average equity | $16,296,400 | 3,630 |
| Average total loans | $49,031,800 | 4,854 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1695% | 5,935 |
| Cost of funding earning assets | 0.2759% | 5,143 |
| Net interest margin | 2.8936% | 5,715 |
| Noninterest income to average assets | 0.3099% | 4,959 |
| Noninterest expense to average assets | 2.5967% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2706% | 5,677 |
| Return on assets (ROA) | 0.3739% | 5,426 |
| Pretax return on assets | 0.6005% | 5,023 |
| Return on Equity (ROE) | 2.4074% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.4074% | 4,854 |
| Net charge-offs to loans | 0.2490% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 3,595 |
| Efficiency ratio | 85.5335% | 1,231 |
| Assets per employee ($millions) | 6.2224% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,771 |
| Loan loss allowance to noncurrent loans | 210.6870% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 5,198 |
| Noncurrent loans to loans | 0.5200% | 4,378 |
| Net loans and leases to total assets | 50.0552% | 5,001 |
| Net loans and leases to deposits | 60.1460% | 4,925 |
| Net loans and leases to core deposits | 62.7949% | 4,979 |
| Total domestic deposits to total assets | 83.2228% | 4,060 |
| Equity capital to assets | 16.6536% | 473 |
| Core capital (leverage) ratio | 16.1081% | 462 |
| Tier 1 risk-based capital ratio | 33.5573% | 403 |
| Total risk-based capital ratio | 34.6881% | 399 |
| Memoranda: | ||
| Average total assets | $104,130,250 | 4,541 |
| Average earning assets | $98,099,250 | 4,495 |
| Average equity | $16,171,500 | 3,664 |
| Average total loans | $48,721,500 | 4,911 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1114% | 6,052 |
| Cost of funding earning assets | 0.2792% | 5,200 |
| Net interest margin | 2.8322% | 5,847 |
| Noninterest income to average assets | 0.2669% | 5,296 |
| Noninterest expense to average assets | 2.5612% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2278% | 5,761 |
| Return on assets (ROA) | 0.3805% | 5,359 |
| Pretax return on assets | 0.6133% | 4,914 |
| Return on Equity (ROE) | 2.5070% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.5070% | 4,608 |
| Net charge-offs to loans | 0.3779% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.1758% | 3,615 |
| Efficiency ratio | 87.2340% | 1,161 |
| Assets per employee ($millions) | 6.5908% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 4,821 |
| Loan loss allowance to noncurrent loans | 209.8859% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 5,347 |
| Noncurrent loans to loans | 0.5328% | 4,413 |
| Net loans and leases to total assets | 46.2893% | 5,334 |
| Net loans and leases to deposits | 54.8504% | 5,298 |
| Net loans and leases to core deposits | 57.4812% | 5,308 |
| Total domestic deposits to total assets | 84.3920% | 3,782 |
| Equity capital to assets | 15.4791% | 621 |
| Core capital (leverage) ratio | 15.3628% | 548 |
| Tier 1 risk-based capital ratio | 32.5859% | 422 |
| Total risk-based capital ratio | 33.6980% | 422 |
| Memoranda: | ||
| Average total assets | $105,654,330 | 4,542 |
| Average earning assets | $99,568,670 | 4,482 |
| Average equity | $16,035,330 | 3,685 |
| Average total loans | $48,166,670 | 4,960 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 6,158 |
| Cost of funding earning assets | 0.2891% | 5,179 |
| Net interest margin | 2.7821% | 5,970 |
| Noninterest income to average assets | 0.3215% | 4,796 |
| Noninterest expense to average assets | 2.5984% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2023% | 5,795 |
| Return on assets (ROA) | 0.4274% | 5,079 |
| Pretax return on assets | 0.6959% | 4,502 |
| Return on Equity (ROE) | 2.8443% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.8443% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3033% | 1,195 |
| Assets per employee ($millions) | 6.7475% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 3,969 |
| Loan loss allowance to noncurrent loans | 115.4399% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 4,610 |
| Noncurrent loans to loans | 1.1507% | 3,126 |
| Net loans and leases to total assets | 44.2395% | 5,486 |
| Net loans and leases to deposits | 52.0686% | 5,450 |
| Net loans and leases to core deposits | 54.6683% | 5,454 |
| Total domestic deposits to total assets | 84.9639% | 3,887 |
| Equity capital to assets | 14.8574% | 703 |
| Core capital (leverage) ratio | 15.3837% | 554 |
| Tier 1 risk-based capital ratio | 32.9045% | 417 |
| Total risk-based capital ratio | 34.1543% | 410 |
| Memoranda: | ||
| Average total assets | $105,755,500 | 4,589 |
| Average earning assets | $99,636,000 | 4,522 |
| Average equity | $15,891,500 | 3,720 |
| Average total loans | $47,567,500 | 5,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 5,845 |
| Cost of funding earning assets | 0.3870% | 4,782 |
| Net interest margin | 3.0072% | 5,565 |
| Noninterest income to average assets | 0.3448% | 4,852 |
| Noninterest expense to average assets | 2.5401% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3781% | 5,230 |
| Return on assets (ROA) | 0.3933% | 5,280 |
| Pretax return on assets | 0.6538% | 4,691 |
| Return on Equity (ROE) | 2.5043% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.5043% | 4,473 |
| Net charge-offs to loans | 0.0175% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 603 |
| Efficiency ratio | 80.1250% | 2,131 |
| Assets per employee ($millions) | 6.9034% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,764 |
| Loan loss allowance to noncurrent loans | 116.0650% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 4,625 |
| Noncurrent loans to loans | 1.1855% | 3,172 |
| Net loans and leases to total assets | 44.5075% | 5,630 |
| Net loans and leases to deposits | 52.5699% | 5,584 |
| Net loans and leases to core deposits | 54.9733% | 5,616 |
| Total domestic deposits to total assets | 84.6636% | 3,901 |
| Equity capital to assets | 15.2031% | 640 |
| Core capital (leverage) ratio | 15.8350% | 486 |
| Tier 1 risk-based capital ratio | 32.8494% | 405 |
| Total risk-based capital ratio | 34.0997% | 400 |
| Memoranda: | ||
| Average total assets | $100,941,600 | 4,717 |
| Average earning assets | $94,839,400 | 4,656 |
| Average equity | $15,852,800 | 3,728 |
| Average total loans | $51,326,800 | 4,921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,831 |
| Cost of funding earning assets | 0.4048% | 4,784 |
| Net interest margin | 3.0208% | 5,540 |
| Noninterest income to average assets | 0.4095% | 4,458 |
| Noninterest expense to average assets | 2.5020% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4440% | 5,046 |
| Return on assets (ROA) | 0.4440% | 5,191 |
| Pretax return on assets | 0.7445% | 4,508 |
| Return on Equity (ROE) | 2.8042% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.8042% | 4,643 |
| Net charge-offs to loans | 0.0254% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 56.0128% | 798 |
| Efficiency ratio | 77.0680% | 2,554 |
| Assets per employee ($millions) | 6.2954% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 4,621 |
| Loan loss allowance to noncurrent loans | 106.2914% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 4,639 |
| Noncurrent loans to loans | 1.1796% | 3,461 |
| Net loans and leases to total assets | 50.1981% | 5,118 |
| Net loans and leases to deposits | 59.6283% | 5,021 |
| Net loans and leases to core deposits | 62.4481% | 5,067 |
| Total domestic deposits to total assets | 84.1850% | 4,118 |
| Equity capital to assets | 15.6482% | 607 |
| Core capital (leverage) ratio | 15.8683% | 511 |
| Tier 1 risk-based capital ratio | 31.2881% | 464 |
| Total risk-based capital ratio | 32.5388% | 455 |
| Memoranda: | ||
| Average total assets | $100,289,250 | 4,776 |
| Average earning assets | $94,189,250 | 4,726 |
| Average equity | $15,880,250 | 3,762 |
| Average total loans | $52,475,750 | 4,905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 5,865 |
| Cost of funding earning assets | 0.4185% | 4,768 |
| Net interest margin | 2.9996% | 5,569 |
| Noninterest income to average assets | 0.5352% | 3,603 |
| Noninterest expense to average assets | 2.6003% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4454% | 5,036 |
| Return on assets (ROA) | 0.4773% | 5,075 |
| Pretax return on assets | 0.8048% | 4,299 |
| Return on Equity (ROE) | 3.0026% | 5,623 |
| Retained earnings to average equity (ytd only) | 3.0026% | 4,409 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5000% | 2,540 |
| Assets per employee ($millions) | 6.2395% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,799 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 5,041 |
| Noncurrent loans to loans | 0.9275% | 4,067 |
| Net loans and leases to total assets | 52.1596% | 4,839 |
| Net loans and leases to deposits | 62.0695% | 4,732 |
| Net loans and leases to core deposits | 64.2230% | 4,867 |
| Total domestic deposits to total assets | 84.0342% | 4,301 |
| Equity capital to assets | 15.7134% | 574 |
| Core capital (leverage) ratio | 15.9273% | 475 |
| Tier 1 risk-based capital ratio | 31.0805% | 469 |
| Total risk-based capital ratio | 32.3305% | 467 |
| Memoranda: | ||
| Average total assets | $100,143,330 | 4,809 |
| Average earning assets | $94,146,670 | 4,752 |
| Average equity | $15,919,670 | 3,779 |
| Average total loans | $52,899,330 | 4,918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 6,003 |
| Cost of funding earning assets | 0.4323% | 4,780 |
| Net interest margin | 2.9374% | 5,734 |
| Noninterest income to average assets | 0.5862% | 3,209 |
| Noninterest expense to average assets | 2.6202% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4294% | 5,007 |
| Return on assets (ROA) | 0.4626% | 5,022 |
| Pretax return on assets | 0.7817% | 4,242 |
| Return on Equity (ROE) | 2.8935% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.8935% | 4,552 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2143% | 2,574 |
| Assets per employee ($millions) | 6.2566% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,003 |
| Loan loss allowance to noncurrent loans | 73.4234% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 4,167 |
| Noncurrent loans to loans | 1.6873% | 3,013 |
| Net loans and leases to total assets | 51.9220% | 4,716 |
| Net loans and leases to deposits | 62.0036% | 4,546 |
| Net loans and leases to core deposits | 64.7148% | 4,678 |
| Total domestic deposits to total assets | 83.7402% | 4,575 |
| Equity capital to assets | 16.0190% | 560 |
| Core capital (leverage) ratio | 15.6879% | 492 |
| Tier 1 risk-based capital ratio | 31.0406% | 484 |
| Total risk-based capital ratio | 32.2908% | 477 |
| Memoranda: | ||
| Average total assets | $100,299,000 | 4,862 |
| Average earning assets | $94,369,500 | 4,786 |
| Average equity | $16,036,000 | 3,816 |
| Average total loans | $52,987,000 | 4,946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 6,135 |
| Cost of funding earning assets | 0.5507% | 4,815 |
| Net interest margin | 3.0969% | 5,823 |
| Noninterest income to average assets | 0.5733% | 3,429 |
| Noninterest expense to average assets | 2.6349% | 4,621 |
| Loan and lease loss provision to assets | 0.0401% | 5,365 |
| Net operating income to assets | 0.4845% | 4,746 |
| Return on assets (ROA) | 0.5192% | 4,873 |
| Pretax return on assets | 0.8720% | 4,021 |
| Return on Equity (ROE) | 3.2977% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.2977% | 3,908 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4376% | 2,840 |
| Assets per employee ($millions) | 6.2808% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,008 |
| Loan loss allowance to noncurrent loans | 79.9020% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 4,440 |
| Noncurrent loans to loans | 1.5297% | 3,315 |
| Net loans and leases to total assets | 52.4350% | 4,854 |
| Net loans and leases to deposits | 62.5815% | 4,713 |
| Net loans and leases to core deposits | 65.7512% | 4,766 |
| Total domestic deposits to total assets | 83.7868% | 4,409 |
| Equity capital to assets | 15.9575% | 561 |
| Core capital (leverage) ratio | 15.5365% | 500 |
| Tier 1 risk-based capital ratio | 30.6400% | 489 |
| Total risk-based capital ratio | 31.8910% | 480 |
| Memoranda: | ||
| Average total assets | $99,775,600 | 4,842 |
| Average earning assets | $94,062,800 | 4,754 |
| Average equity | $15,707,800 | 3,827 |
| Average total loans | $53,671,400 | 4,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 6,218 |
| Cost of funding earning assets | 0.5753% | 4,868 |
| Net interest margin | 3.1266% | 5,880 |
| Noninterest income to average assets | 0.5462% | 3,632 |
| Noninterest expense to average assets | 2.6386% | 4,607 |
| Loan and lease loss provision to assets | 0.0535% | 5,079 |
| Net operating income to assets | 0.4749% | 4,930 |
| Return on assets (ROA) | 0.5194% | 5,028 |
| Pretax return on assets | 0.8702% | 4,222 |
| Return on Equity (ROE) | 3.3107% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.3107% | 4,542 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5462% | 2,742 |
| Assets per employee ($millions) | 6.1992% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,184 |
| Loan loss allowance to noncurrent loans | 95.4612% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 4,968 |
| Noncurrent loans to loans | 1.2800% | 3,903 |
| Net loans and leases to total assets | 53.1400% | 4,889 |
| Net loans and leases to deposits | 63.5473% | 4,773 |
| Net loans and leases to core deposits | 66.6962% | 4,878 |
| Total domestic deposits to total assets | 83.6229% | 4,385 |
| Equity capital to assets | 16.1170% | 584 |
| Core capital (leverage) ratio | 15.4668% | 547 |
| Tier 1 risk-based capital ratio | 31.0823% | 479 |
| Total risk-based capital ratio | 32.3337% | 471 |
| Memoranda: | ||
| Average total assets | $99,596,500 | 4,891 |
| Average earning assets | $93,857,750 | 4,799 |
| Average equity | $15,625,750 | 3,880 |
| Average total loans | $53,753,000 | 5,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 6,223 |
| Cost of funding earning assets | 0.5964% | 4,931 |
| Net interest margin | 3.1650% | 5,836 |
| Noninterest income to average assets | 0.4652% | 4,163 |
| Noninterest expense to average assets | 2.5689% | 4,885 |
| Loan and lease loss provision to assets | 0.0802% | 4,598 |
| Net operating income to assets | 0.4773% | 4,921 |
| Return on assets (ROA) | 0.4773% | 5,168 |
| Pretax return on assets | 0.7961% | 4,488 |
| Return on Equity (ROE) | 3.0698% | 5,669 |
| Retained earnings to average equity (ytd only) | 3.0698% | 4,599 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5634% | 2,979 |
| Assets per employee ($millions) | 6.2447% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,214 |
| Loan loss allowance to noncurrent loans | 142.0479% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 5,628 |
| Noncurrent loans to loans | 0.8650% | 4,770 |
| Net loans and leases to total assets | 52.4546% | 5,040 |
| Net loans and leases to deposits | 62.7710% | 4,904 |
| Net loans and leases to core deposits | 65.8276% | 5,022 |
| Total domestic deposits to total assets | 83.5650% | 4,501 |
| Equity capital to assets | 15.8054% | 617 |
| Core capital (leverage) ratio | 15.4697% | 528 |
| Tier 1 risk-based capital ratio | 30.9877% | 480 |
| Total risk-based capital ratio | 32.2393% | 472 |
| Memoranda: | ||
| Average total assets | $99,733,000 | 4,903 |
| Average earning assets | $93,902,000 | 4,821 |
| Average equity | $15,505,670 | 3,889 |
| Average total loans | $53,884,000 | 5,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 6,249 |
| Cost of funding earning assets | 0.6422% | 4,800 |
| Net interest margin | 3.1558% | 5,893 |
| Noninterest income to average assets | 0.4576% | 4,245 |
| Noninterest expense to average assets | 2.5853% | 4,871 |
| Loan and lease loss provision to assets | 0.1204% | 3,839 |
| Net operating income to assets | 0.4416% | 5,071 |
| Return on assets (ROA) | 0.4416% | 5,261 |
| Pretax return on assets | 0.7306% | 4,687 |
| Return on Equity (ROE) | 2.8641% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.8641% | 4,816 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2336% | 2,904 |
| Assets per employee ($millions) | 6.1188% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,455 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,249 |
| Noncurrent loans to loans | 1.2061% | 4,318 |
| Net loans and leases to total assets | 53.7165% | 4,768 |
| Net loans and leases to deposits | 64.2465% | 4,596 |
| Net loans and leases to core deposits | 66.9787% | 4,803 |
| Total domestic deposits to total assets | 83.6100% | 4,672 |
| Equity capital to assets | 15.7332% | 614 |
| Core capital (leverage) ratio | 15.2057% | 570 |
| Tier 1 risk-based capital ratio | 31.2696% | 475 |
| Total risk-based capital ratio | 32.5200% | 465 |
| Memoranda: | ||
| Average total assets | $99,642,000 | 4,945 |
| Average earning assets | $94,050,000 | 4,850 |
| Average equity | $15,362,500 | 3,920 |
| Average total loans | $54,295,000 | 5,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 5,793 |
| Cost of funding earning assets | 0.8366% | 4,570 |
| Net interest margin | 3.4515% | 5,323 |
| Noninterest income to average assets | 0.2242% | 5,929 |
| Noninterest expense to average assets | 2.4739% | 5,558 |
| Loan and lease loss provision to assets | 0.1757% | 4,437 |
| Net operating income to assets | 0.4948% | 4,446 |
| Return on assets (ROA) | 0.4981% | 4,650 |
| Pretax return on assets | 0.8370% | 3,837 |
| Return on Equity (ROE) | 3.2441% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.2441% | 3,912 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0597% | 3,772 |
| Assets per employee ($millions) | 6.3364% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,795 |
| Loan loss allowance to noncurrent loans | 84.4138% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 5,209 |
| Noncurrent loans to loans | 1.3096% | 4,184 |
| Net loans and leases to total assets | 54.0002% | 5,035 |
| Net loans and leases to deposits | 64.6532% | 4,914 |
| Net loans and leases to core deposits | 67.2989% | 5,120 |
| Total domestic deposits to total assets | 83.5229% | 4,529 |
| Equity capital to assets | 15.1130% | 751 |
| Core capital (leverage) ratio | 14.8921% | 619 |
| Tier 1 risk-based capital ratio | 29.8121% | 524 |
| Total risk-based capital ratio | 31.0409% | 516 |
| Memoranda: | ||
| Average total assets | $96,770,200 | 4,984 |
| Average earning assets | $91,321,800 | 4,877 |
| Average equity | $14,857,600 | 3,939 |
| Average total loans | $59,146,000 | 4,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 5,747 |
| Cost of funding earning assets | 0.8760% | 4,582 |
| Net interest margin | 3.4820% | 5,258 |
| Noninterest income to average assets | 0.2245% | 6,009 |
| Noninterest expense to average assets | 2.4890% | 5,504 |
| Loan and lease loss provision to assets | 0.1952% | 4,069 |
| Net operating income to assets | 0.4920% | 4,576 |
| Return on assets (ROA) | 0.4964% | 4,753 |
| Pretax return on assets | 0.8339% | 4,005 |
| Return on Equity (ROE) | 3.2198% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.2198% | 4,418 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8896% | 3,763 |
| Assets per employee ($millions) | 6.2576% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,285 |
| Loan loss allowance to noncurrent loans | 67.6744% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 5,032 |
| Noncurrent loans to loans | 1.4733% | 4,088 |
| Net loans and leases to total assets | 57.7212% | 4,552 |
| Net loans and leases to deposits | 69.6714% | 4,348 |
| Net loans and leases to core deposits | 72.5762% | 4,640 |
| Total domestic deposits to total assets | 82.8478% | 4,742 |
| Equity capital to assets | 15.2565% | 781 |
| Core capital (leverage) ratio | 15.0548% | 651 |
| Tier 1 risk-based capital ratio | 28.8060% | 605 |
| Total risk-based capital ratio | 29.9448% | 603 |
| Memoranda: | ||
| Average total assets | $95,617,000 | 5,052 |
| Average earning assets | $90,252,000 | 4,948 |
| Average equity | $14,741,500 | 3,973 |
| Average total loans | $60,092,750 | 4,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 5,688 |
| Cost of funding earning assets | 0.9015% | 4,655 |
| Net interest margin | 3.5004% | 5,166 |
| Noninterest income to average assets | 0.1594% | 6,519 |
| Noninterest expense to average assets | 2.4523% | 5,698 |
| Loan and lease loss provision to assets | 0.2338% | 3,573 |
| Net operating income to assets | 0.4671% | 4,654 |
| Return on assets (ROA) | 0.4739% | 4,764 |
| Pretax return on assets | 0.7926% | 4,059 |
| Return on Equity (ROE) | 3.0624% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.0624% | 4,328 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7108% | 3,985 |
| Assets per employee ($millions) | 6.0151% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 6,644 |
| Loan loss allowance to noncurrent loans | 70.0508% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 5,244 |
| Noncurrent loans to loans | 1.2914% | 4,504 |
| Net loans and leases to total assets | 62.8291% | 3,711 |
| Net loans and leases to deposits | 76.9665% | 3,294 |
| Net loans and leases to core deposits | 80.0371% | 3,782 |
| Total domestic deposits to total assets | 81.6317% | 5,304 |
| Equity capital to assets | 15.3904% | 720 |
| Core capital (leverage) ratio | 15.2190% | 626 |
| Tier 1 risk-based capital ratio | 28.4609% | 624 |
| Total risk-based capital ratio | 29.5425% | 622 |
| Memoranda: | ||
| Average total assets | $94,115,670 | 5,135 |
| Average earning assets | $88,961,670 | 5,023 |
| Average equity | $14,563,670 | 3,995 |
| Average total loans | $60,666,000 | 4,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 5,692 |
| Cost of funding earning assets | 0.9141% | 4,824 |
| Net interest margin | 3.4880% | 5,065 |
| Noninterest income to average assets | 0.1247% | 6,793 |
| Noninterest expense to average assets | 2.4760% | 5,641 |
| Loan and lease loss provision to assets | 0.2579% | 3,082 |
| Net operating income to assets | 0.4161% | 4,875 |
| Return on assets (ROA) | 0.4299% | 4,894 |
| Pretax return on assets | 0.7093% | 4,269 |
| Return on Equity (ROE) | 2.7702% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.7702% | 4,504 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3618% | 3,796 |
| Assets per employee ($millions) | 5.8551% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 6,857 |
| Loan loss allowance to noncurrent loans | 42.9795% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,453 |
| Noncurrent loans to loans | 1.9374% | 3,653 |
| Net loans and leases to total assets | 63.8180% | 3,466 |
| Net loans and leases to deposits | 78.3154% | 3,006 |
| Net loans and leases to core deposits | 81.2166% | 3,570 |
| Total domestic deposits to total assets | 81.4884% | 5,500 |
| Equity capital to assets | 15.4416% | 672 |
| Core capital (leverage) ratio | 15.5304% | 575 |
| Tier 1 risk-based capital ratio | 28.2983% | 617 |
| Total risk-based capital ratio | 29.2847% | 619 |
| Memoranda: | ||
| Average total assets | $93,052,500 | 5,205 |
| Average earning assets | $87,959,500 | 5,093 |
| Average equity | $14,439,500 | 4,012 |
| Average total loans | $60,489,000 | 4,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 5,353 |
| Cost of funding earning assets | 1.1127% | 5,068 |
| Net interest margin | 3.7060% | 4,316 |
| Noninterest income to average assets | 0.1580% | 6,596 |
| Noninterest expense to average assets | 2.4973% | 5,811 |
| Loan and lease loss provision to assets | 0.4674% | 3,329 |
| Net operating income to assets | 0.4140% | 4,484 |
| Return on assets (ROA) | 0.4298% | 4,558 |
| Pretax return on assets | 0.7253% | 3,885 |
| Return on Equity (ROE) | 2.8013% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.8013% | 3,894 |
| Net charge-offs to loans | 0.8095% | 2,608 |
| Credit loss provision to net charge-offs | 84.7953% | 5,355 |
| Earnings coverage of net charge-offs (x) | 2.1189% | 4,134 |
| Efficiency ratio | 68.1325% | 4,535 |
| Assets per employee ($millions) | 5.7764% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 7,091 |
| Loan loss allowance to noncurrent loans | 28.6084% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6717% | 3,792 |
| Noncurrent loans to loans | 2.5457% | 2,980 |
| Net loans and leases to total assets | 65.1872% | 3,628 |
| Net loans and leases to deposits | 81.1629% | 2,959 |
| Net loans and leases to core deposits | 84.2453% | 3,562 |
| Total domestic deposits to total assets | 80.3166% | 5,744 |
| Equity capital to assets | 15.5946% | 661 |
| Core capital (leverage) ratio | 15.4702% | 587 |
| Tier 1 risk-based capital ratio | 28.8696% | 549 |
| Total risk-based capital ratio | 29.7618% | 563 |
| Memoranda: | ||
| Average total assets | $93,058,800 | 5,192 |
| Average earning assets | $88,072,400 | 5,078 |
| Average equity | $14,279,200 | 4,080 |
| Average total loans | $63,371,000 | 4,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 6,092 |
| Cost of funding earning assets | 1.1742% | 5,013 |
| Net interest margin | 3.5059% | 5,270 |
| Noninterest income to average assets | 0.1473% | 6,808 |
| Noninterest expense to average assets | 2.2642% | 6,424 |
| Loan and lease loss provision to assets | 0.4434% | 3,257 |
| Net operating income to assets | 0.4505% | 4,534 |
| Return on assets (ROA) | 0.4505% | 4,721 |
| Pretax return on assets | 0.7581% | 4,056 |
| Return on Equity (ROE) | 2.9482% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.9482% | 4,369 |
| Net charge-offs to loans | 0.5476% | 3,115 |
| Credit loss provision to net charge-offs | 117.8707% | 3,518 |
| Earnings coverage of net charge-offs (x) | 3.1939% | 3,547 |
| Efficiency ratio | 65.3322% | 4,997 |
| Assets per employee ($millions) | 5.7826% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 6,773 |
| Loan loss allowance to noncurrent loans | 25.0552% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4459% | 2,924 |
| Noncurrent loans to loans | 3.5561% | 2,207 |
| Net loans and leases to total assets | 68.1687% | 3,170 |
| Net loans and leases to deposits | 86.0075% | 2,340 |
| Net loans and leases to core deposits | 88.9903% | 3,236 |
| Total domestic deposits to total assets | 79.2590% | 5,950 |
| Equity capital to assets | 15.7314% | 722 |
| Core capital (leverage) ratio | 15.2608% | 666 |
| Tier 1 risk-based capital ratio | 27.8518% | 640 |
| Total risk-based capital ratio | 28.9627% | 633 |
| Memoranda: | ||
| Average total assets | $93,217,750 | 5,244 |
| Average earning assets | $88,230,250 | 5,137 |
| Average equity | $14,245,750 | 4,149 |
| Average total loans | $64,041,250 | 4,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 6,043 |
| Cost of funding earning assets | 1.2323% | 4,947 |
| Net interest margin | 3.4980% | 5,252 |
| Noninterest income to average assets | 0.2953% | 5,782 |
| Noninterest expense to average assets | 2.4034% | 6,062 |
| Loan and lease loss provision to assets | 0.5029% | 2,787 |
| Net operating income to assets | 0.4181% | 4,670 |
| Return on assets (ROA) | 0.4195% | 4,820 |
| Pretax return on assets | 0.7020% | 4,232 |
| Return on Equity (ROE) | 2.7718% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.7718% | 4,369 |
| Net charge-offs to loans | 0.0405% | 5,807 |
| Credit loss provision to net charge-offs | 1,807.6923% | 224 |
| Earnings coverage of net charge-offs (x) | 43.2308% | 682 |
| Efficiency ratio | 66.6469% | 4,854 |
| Assets per employee ($millions) | 5.8360% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 5,726 |
| Loan loss allowance to noncurrent loans | 40.4360% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9652% | 3,535 |
| Noncurrent loans to loans | 2.8263% | 2,835 |
| Net loans and leases to total assets | 68.7361% | 3,188 |
| Net loans and leases to deposits | 87.6542% | 2,238 |
| Net loans and leases to core deposits | 90.7514% | 3,159 |
| Total domestic deposits to total assets | 78.4174% | 6,174 |
| Equity capital to assets | 15.3455% | 808 |
| Core capital (leverage) ratio | 15.1265% | 701 |
| Tier 1 risk-based capital ratio | 26.9886% | 699 |
| Total risk-based capital ratio | 28.2406% | 687 |
| Memoranda: | ||
| Average total assets | $93,449,670 | 5,268 |
| Average earning assets | $88,451,330 | 5,157 |
| Average equity | $14,142,670 | 4,169 |
| Average total loans | $64,175,670 | 5,012 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 5,686 |
| Cost of funding earning assets | 1.2671% | 5,023 |
| Net interest margin | 3.5841% | 4,795 |
| Noninterest income to average assets | 0.1840% | 6,640 |
| Noninterest expense to average assets | 2.4132% | 6,038 |
| Loan and lease loss provision to assets | 0.5776% | 2,183 |
| Net operating income to assets | 0.3438% | 5,109 |
| Return on assets (ROA) | 0.3466% | 5,216 |
| Pretax return on assets | 0.5862% | 4,666 |
| Return on Equity (ROE) | 2.3061% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.3061% | 4,752 |
| Net charge-offs to loans | 0.0815% | 4,603 |
| Credit loss provision to net charge-offs | 1,038.4615% | 447 |
| Earnings coverage of net charge-offs (x) | 20.8462% | 1,145 |
| Efficiency ratio | 67.5449% | 4,813 |
| Assets per employee ($millions) | 5.8267% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,396 |
| Loan loss allowance to noncurrent loans | 22.9286% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 3.0034% | 2,385 |
| Noncurrent loans to loans | 4.4154% | 1,704 |
| Net loans and leases to total assets | 67.3324% | 3,542 |
| Net loans and leases to deposits | 86.6657% | 2,472 |
| Net loans and leases to core deposits | 89.3666% | 3,449 |
| Total domestic deposits to total assets | 77.6921% | 6,399 |
| Equity capital to assets | 15.1201% | 851 |
| Core capital (leverage) ratio | 14.8563% | 779 |
| Tier 1 risk-based capital ratio | 26.9327% | 713 |
| Total risk-based capital ratio | 28.1750% | 697 |
| Memoranda: | ||
| Average total assets | $93,486,500 | 5,337 |
| Average earning assets | $88,390,000 | 5,221 |
| Average equity | $14,049,500 | 4,234 |
| Average total loans | $63,801,000 | 5,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 6,747 |
| Cost of funding earning assets | 1.8571% | 3,694 |
| Net interest margin | 3.0280% | 6,574 |
| Noninterest income to average assets | 0.1278% | 7,111 |
| Noninterest expense to average assets | 2.2301% | 6,916 |
| Loan and lease loss provision to assets | 0.1880% | 5,842 |
| Net operating income to assets | 0.3433% | 4,359 |
| Return on assets (ROA) | 0.3921% | 4,256 |
| Pretax return on assets | 0.6585% | 3,714 |
| Return on Equity (ROE) | 2.6868% | 4,627 |
| Retained earnings to average equity (ytd only) | 2.6868% | 3,268 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3287% | 3,829 |
| Assets per employee ($millions) | 5.8591% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 7,102 |
| Loan loss allowance to noncurrent loans | 17.7656% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 3.1223% | 2,217 |
| Noncurrent loans to loans | 4.5600% | 1,547 |
| Net loans and leases to total assets | 67.9154% | 3,719 |
| Net loans and leases to deposits | 89.0349% | 2,382 |
| Net loans and leases to core deposits | 108.5484% | 3,048 |
| Total domestic deposits to total assets | 76.2795% | 6,625 |
| Equity capital to assets | 14.9372% | 927 |
| Core capital (leverage) ratio | 14.9165% | 805 |
| Tier 1 risk-based capital ratio | 27.3669% | 679 |
| Total risk-based capital ratio | 28.3954% | 679 |
| Memoranda: | ||
| Average total assets | $93,091,800 | 5,299 |
| Average earning assets | $88,309,400 | 5,179 |
| Average equity | $13,585,000 | 4,366 |
| Average total loans | $60,952,200 | 5,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 6,574 |
| Cost of funding earning assets | 2.0492% | 3,124 |
| Net interest margin | 2.9613% | 6,702 |
| Noninterest income to average assets | 0.1593% | 7,059 |
| Noninterest expense to average assets | 2.1823% | 7,022 |
| Loan and lease loss provision to assets | 0.1004% | 6,361 |
| Net operating income to assets | 0.4060% | 4,371 |
| Return on assets (ROA) | 0.4060% | 4,476 |
| Pretax return on assets | 0.6901% | 3,894 |
| Return on Equity (ROE) | 2.7990% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.7990% | 3,768 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4073% | 3,974 |
| Assets per employee ($millions) | 5.1740% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 7,436 |
| Loan loss allowance to noncurrent loans | 198.5646% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,958 |
| Noncurrent loans to loans | 0.3388% | 6,681 |
| Net loans and leases to total assets | 65.7873% | 4,469 |
| Net loans and leases to deposits | 87.1511% | 3,123 |
| Net loans and leases to core deposits | 108.5983% | 3,396 |
| Total domestic deposits to total assets | 75.4864% | 6,677 |
| Equity capital to assets | 14.7329% | 1,084 |
| Core capital (leverage) ratio | 14.2249% | 1,031 |
| Tier 1 risk-based capital ratio | 27.0785% | 740 |
| Total risk-based capital ratio | 27.9158% | 754 |
| Memoranda: | ||
| Average total assets | $92,928,250 | 5,339 |
| Average earning assets | $88,292,500 | 5,224 |
| Average equity | $13,480,500 | 4,418 |
| Average total loans | $60,143,250 | 5,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 6,443 |
| Cost of funding earning assets | 2.0729% | 3,404 |
| Net interest margin | 3.0264% | 6,470 |
| Noninterest income to average assets | 0.1421% | 7,237 |
| Noninterest expense to average assets | 2.2636% | 6,873 |
| Loan and lease loss provision to assets | 0.0646% | 6,566 |
| Net operating income to assets | 0.4006% | 4,510 |
| Return on assets (ROA) | 0.4006% | 4,623 |
| Pretax return on assets | 0.6849% | 4,054 |
| Return on Equity (ROE) | 2.7761% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.7761% | 3,783 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1251% | 3,857 |
| Assets per employee ($millions) | 5.3287% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6109% | 7,618 |
| Loan loss allowance to noncurrent loans | 2,678.5714% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,597 |
| Noncurrent loans to loans | 0.0228% | 7,484 |
| Net loans and leases to total assets | 63.6057% | 5,062 |
| Net loans and leases to deposits | 85.0891% | 3,715 |
| Net loans and leases to core deposits | 107.3329% | 3,686 |
| Total domestic deposits to total assets | 74.7519% | 6,813 |
| Equity capital to assets | 14.1165% | 1,269 |
| Core capital (leverage) ratio | 13.9647% | 1,148 |
| Tier 1 risk-based capital ratio | 26.4384% | 821 |
| Total risk-based capital ratio | 27.1824% | 842 |
| Memoranda: | ||
| Average total assets | $92,860,330 | 5,375 |
| Average earning assets | $88,090,670 | 5,259 |
| Average equity | $13,400,330 | 4,448 |
| Average total loans | $59,629,670 | 5,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 6,521 |
| Cost of funding earning assets | 2.1185% | 3,566 |
| Net interest margin | 3.0232% | 6,417 |
| Noninterest income to average assets | 0.1664% | 7,114 |
| Noninterest expense to average assets | 2.2336% | 6,743 |
| Loan and lease loss provision to assets | 0.0657% | 6,126 |
| Net operating income to assets | 0.4336% | 4,728 |
| Return on assets (ROA) | 0.4336% | 4,904 |
| Pretax return on assets | 0.7358% | 4,302 |
| Return on Equity (ROE) | 2.9706% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.9706% | 4,225 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5931% | 3,900 |
| Assets per employee ($millions) | 5.8609% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 7,662 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 7,237 |
| Noncurrent loans to loans | 0.1819% | 7,007 |
| Net loans and leases to total assets | 64.1056% | 4,967 |
| Net loans and leases to deposits | 86.3188% | 3,575 |
| Net loans and leases to core deposits | 110.6703% | 3,348 |
| Total domestic deposits to total assets | 74.2661% | 6,840 |
| Equity capital to assets | 14.3482% | 1,268 |
| Core capital (leverage) ratio | 14.5997% | 1,056 |
| Tier 1 risk-based capital ratio | 28.0425% | 749 |
| Total risk-based capital ratio | 28.8051% | 763 |
| Memoranda: | ||
| Average total assets | $91,332,500 | 5,443 |
| Average earning assets | $86,664,500 | 5,329 |
| Average equity | $13,330,500 | 4,494 |
| Average total loans | $58,753,000 | 5,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 7,638 |
| Cost of funding earning assets | 2.5200% | 4,092 |
| Net interest margin | 2.7437% | 7,421 |
| Noninterest income to average assets | 0.2478% | 6,674 |
| Noninterest expense to average assets | 2.3206% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3071% | 5,519 |
| Return on assets (ROA) | 0.3071% | 5,335 |
| Pretax return on assets | 0.5158% | 4,931 |
| Return on Equity (ROE) | 1.9970% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.9970% | 3,989 |
| Net charge-offs to loans | 0.0074% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 108.7500% | 399 |
| Efficiency ratio | 81.8144% | 2,324 |
| Assets per employee ($millions) | 5.9260% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 7,672 |
| Loan loss allowance to noncurrent loans | 170.7921% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,669 |
| Noncurrent loans to loans | 0.3542% | 6,308 |
| Net loans and leases to total assets | 63.7710% | 5,319 |
| Net loans and leases to deposits | 85.2280% | 4,221 |
| Net loans and leases to core deposits | 109.2869% | 3,829 |
| Total domestic deposits to total assets | 74.8239% | 6,492 |
| Equity capital to assets | 14.8566% | 1,195 |
| Core capital (leverage) ratio | 15.0181% | 1,026 |
| Tier 1 risk-based capital ratio | 30.1699% | 633 |
| Total risk-based capital ratio | 30.9621% | 637 |
| Memoranda: | ||
| Average total assets | $84,331,800 | 5,547 |
| Average earning assets | $79,564,600 | 5,447 |
| Average equity | $12,969,200 | 4,587 |
| Average total loans | $54,420,000 | 5,511 |