Home > Citizens Bank of Eldon > Performance and Condition Ratios
Citizens Bank of Eldon, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 1,326 |
| Cost of funding earning assets | 1.3268% | 3,548 |
| Net interest margin | 4.5774% | 555 |
| Noninterest income to average assets | 0.4800% | 1,841 |
| Noninterest expense to average assets | 2.3033% | 2,843 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.9061% | 528 |
| Return on assets (ROA) | 1.9061% | 529 |
| Pretax return on assets | 2.4819% | 322 |
| Return on Equity (ROE) | 18.3400% | 606 |
| Retained earnings to average equity (ytd only) | 10.6458% | 1,045 |
| Net charge-offs to loans | 0.0375% | 1,306 |
| Credit loss provision to net charge-offs | 18.7500% | 1,662 |
| Earnings coverage of net charge-offs (x) | 89.6250% | 749 |
| Efficiency ratio | 48.0811% | 4,004 |
| Assets per employee ($millions) | 7.0887% | 2,159 |
| Cash dividends to net income (ytd only)* | 41.9472% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 1,621 |
| Loan loss allowance to noncurrent loans | 108.6437% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 826 |
| Noncurrent loans to loans | 1.2140% | 872 |
| Net loans and leases to total assets | 72.7600% | 1,494 |
| Net loans and leases to deposits | 83.6185% | 1,722 |
| Net loans and leases to core deposits | 92.4220% | 1,875 |
| Total domestic deposits to total assets | 87.0200% | 1,910 |
| Equity capital to assets | 10.4392% | 1,953 |
| Core capital (leverage) ratio | 10.9809% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $230,629,000 | 2,833 |
| Average earning assets | $217,064,500 | 2,809 |
| Average equity | $23,972,000 | 2,762 |
| Average total loans | $170,785,000 | 2,604 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 1,866 |
| Cost of funding earning assets | 1.3978% | 3,525 |
| Net interest margin | 4.2376% | 887 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.3365% | 2,765 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 1.4329% | 1,016 |
| Return on assets (ROA) | 1.4329% | 1,009 |
| Pretax return on assets | 1.8632% | 750 |
| Return on Equity (ROE) | 14.1600% | 1,091 |
| Retained earnings to average equity (ytd only) | 5.0634% | 2,219 |
| Net charge-offs to loans | 0.2210% | 657 |
| Credit loss provision to net charge-offs | 158.6777% | 1,351 |
| Earnings coverage of net charge-offs (x) | 13.3140% | 2,123 |
| Efficiency ratio | 51.8913% | 3,887 |
| Assets per employee ($millions) | 6.8888% | 2,231 |
| Cash dividends to net income (ytd only)* | 64.2477% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,461 |
| Loan loss allowance to noncurrent loans | 119.2288% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 845 |
| Noncurrent loans to loans | 1.1349% | 888 |
| Net loans and leases to total assets | 73.3700% | 1,493 |
| Net loans and leases to deposits | 84.2347% | 1,758 |
| Net loans and leases to core deposits | 92.9978% | 1,912 |
| Total domestic deposits to total assets | 87.1000% | 1,836 |
| Equity capital to assets | 10.3479% | 1,927 |
| Core capital (leverage) ratio | 10.7476% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $223,112,200 | 2,857 |
| Average earning assets | $210,047,000 | 2,828 |
| Average equity | $22,573,800 | 2,797 |
| Average total loans | $164,273,000 | 2,620 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 1,976 |
| Cost of funding earning assets | 1.3717% | 3,557 |
| Net interest margin | 4.1840% | 918 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 2.3225% | 2,726 |
| Loan and lease loss provision to assets | 0.3400% | 301 |
| Net operating income to assets | 1.3756% | 1,146 |
| Return on assets (ROA) | 1.3756% | 1,149 |
| Pretax return on assets | 1.7857% | 892 |
| Return on Equity (ROE) | 13.6800% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.4229% | 1,943 |
| Net charge-offs to loans | 0.2886% | 443 |
| Credit loss provision to net charge-offs | 133.7110% | 1,387 |
| Earnings coverage of net charge-offs (x) | 10.0453% | 2,133 |
| Efficiency ratio | 52.1716% | 3,854 |
| Assets per employee ($millions) | 6.7893% | 2,283 |
| Cash dividends to net income (ytd only)* | 53.0336% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 1,765 |
| Loan loss allowance to noncurrent loans | 144.5323% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 1,055 |
| Noncurrent loans to loans | 0.8923% | 1,124 |
| Net loans and leases to total assets | 74.9500% | 1,259 |
| Net loans and leases to deposits | 87.9792% | 1,433 |
| Net loans and leases to core deposits | 96.4218% | 1,732 |
| Total domestic deposits to total assets | 85.1900% | 2,232 |
| Equity capital to assets | 10.4768% | 1,989 |
| Core capital (leverage) ratio | 11.0175% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $222,057,250 | 2,864 |
| Average earning assets | $208,979,750 | 2,832 |
| Average equity | $22,336,250 | 2,805 |
| Average total loans | $163,069,500 | 2,625 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 2,068 |
| Cost of funding earning assets | 1.3307% | 3,575 |
| Net interest margin | 4.1150% | 981 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.3713% | 2,603 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 1.2945% | 1,269 |
| Return on assets (ROA) | 1.2945% | 1,283 |
| Pretax return on assets | 1.6821% | 1,003 |
| Return on Equity (ROE) | 13.0500% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.1847% | 1,943 |
| Net charge-offs to loans | 0.1867% | 572 |
| Credit loss provision to net charge-offs | 174.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 14.8200% | 1,800 |
| Efficiency ratio | 54.1460% | 3,743 |
| Assets per employee ($millions) | 7.0984% | 2,015 |
| Cash dividends to net income (ytd only)* | 52.6169% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,639 |
| Loan loss allowance to noncurrent loans | 143.7212% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 966 |
| Noncurrent loans to loans | 0.9207% | 1,027 |
| Net loans and leases to total assets | 74.0800% | 1,404 |
| Net loans and leases to deposits | 86.7271% | 1,591 |
| Net loans and leases to core deposits | 94.4812% | 1,831 |
| Total domestic deposits to total assets | 85.4200% | 2,181 |
| Equity capital to assets | 10.2313% | 1,951 |
| Core capital (leverage) ratio | 11.0516% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $221,393,667 | 2,860 |
| Average earning assets | $208,165,333 | 2,831 |
| Average equity | $21,957,333 | 2,794 |
| Average total loans | $160,717,333 | 2,640 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 2,076 |
| Cost of funding earning assets | 1.3574% | 3,459 |
| Net interest margin | 4.0053% | 1,084 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 2.3038% | 2,784 |
| Loan and lease loss provision to assets | 0.3800% | 230 |
| Net operating income to assets | 1.2411% | 1,347 |
| Return on assets (ROA) | 1.2411% | 1,355 |
| Pretax return on assets | 1.6049% | 1,085 |
| Return on Equity (ROE) | 12.7100% | 1,404 |
| Retained earnings to average equity (ytd only) | 6.3287% | 2,006 |
| Net charge-offs to loans | 0.3281% | 279 |
| Credit loss provision to net charge-offs | 160.7692% | 907 |
| Earnings coverage of net charge-offs (x) | 8.4615% | 1,710 |
| Efficiency ratio | 53.7621% | 3,779 |
| Assets per employee ($millions) | 6.5511% | 2,415 |
| Cash dividends to net income (ytd only)* | 50.2177% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,587 |
| Loan loss allowance to noncurrent loans | 137.9885% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 880 |
| Noncurrent loans to loans | 0.9752% | 889 |
| Net loans and leases to total assets | 70.9000% | 1,702 |
| Net loans and leases to deposits | 84.2998% | 1,692 |
| Net loans and leases to core deposits | 89.9717% | 2,044 |
| Total domestic deposits to total assets | 84.1000% | 2,684 |
| Equity capital to assets | 9.8282% | 2,115 |
| Core capital (leverage) ratio | 10.7515% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $222,065,000 | 2,859 |
| Average earning assets | $209,222,000 | 2,835 |
| Average equity | $21,679,000 | 2,828 |
| Average total loans | $158,476,000 | 2,653 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 2,647 |
| Cost of funding earning assets | 0.9773% | 3,354 |
| Net interest margin | 3.7357% | 1,685 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3115% | 2,823 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.1463% | 1,794 |
| Return on assets (ROA) | 1.1463% | 1,765 |
| Pretax return on assets | 1.4976% | 1,427 |
| Return on Equity (ROE) | 11.9300% | 1,969 |
| Retained earnings to average equity (ytd only) | 3.6610% | 3,067 |
| Net charge-offs to loans | 0.1781% | 602 |
| Credit loss provision to net charge-offs | 173.0337% | 1,342 |
| Earnings coverage of net charge-offs (x) | 13.7753% | 2,099 |
| Efficiency ratio | 57.1329% | 3,383 |
| Assets per employee ($millions) | 6.7089% | 2,267 |
| Cash dividends to net income (ytd only)* | 69.3130% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,670 |
| Loan loss allowance to noncurrent loans | 120.7800% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 663 |
| Noncurrent loans to loans | 1.0951% | 671 |
| Net loans and leases to total assets | 69.9300% | 1,816 |
| Net loans and leases to deposits | 82.9329% | 1,871 |
| Net loans and leases to core deposits | 86.7696% | 2,256 |
| Total domestic deposits to total assets | 84.3200% | 2,531 |
| Equity capital to assets | 9.6963% | 2,202 |
| Core capital (leverage) ratio | 10.7339% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $212,072,200 | 2,897 |
| Average earning assets | $198,810,200 | 2,882 |
| Average equity | $20,377,200 | 2,828 |
| Average total loans | $149,924,200 | 2,680 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 2,737 |
| Cost of funding earning assets | 0.8907% | 3,296 |
| Net interest margin | 3.6848% | 1,810 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.3215% | 2,724 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.1150% | 2,007 |
| Return on assets (ROA) | 1.1150% | 1,990 |
| Pretax return on assets | 1.4551% | 1,663 |
| Return on Equity (ROE) | 11.6300% | 2,220 |
| Retained earnings to average equity (ytd only) | 3.5745% | 3,359 |
| Net charge-offs to loans | 0.2222% | 396 |
| Credit loss provision to net charge-offs | 82.9960% | 1,745 |
| Earnings coverage of net charge-offs (x) | 10.1984% | 2,137 |
| Efficiency ratio | 59.1800% | 3,068 |
| Assets per employee ($millions) | 6.2881% | 2,502 |
| Cash dividends to net income (ytd only)* | 69.2702% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,342 |
| Loan loss allowance to noncurrent loans | 120.0523% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 786 |
| Noncurrent loans to loans | 1.0018% | 802 |
| Net loans and leases to total assets | 70.6200% | 1,757 |
| Net loans and leases to deposits | 83.8908% | 1,748 |
| Net loans and leases to core deposits | 87.1100% | 2,116 |
| Total domestic deposits to total assets | 84.1800% | 2,723 |
| Equity capital to assets | 9.6148% | 2,031 |
| Core capital (leverage) ratio | 10.5837% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,742,000 | 2,921 |
| Average earning assets | $196,403,750 | 2,904 |
| Average equity | $20,104,750 | 2,841 |
| Average total loans | $148,184,000 | 2,697 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,963 |
| Cost of funding earning assets | 0.7528% | 3,341 |
| Net interest margin | 3.6154% | 2,004 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.3206% | 2,740 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.0000% | 2,421 |
| Return on assets (ROA) | 1.0000% | 2,415 |
| Pretax return on assets | 1.3081% | 2,062 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 2.8866% | 3,509 |
| Net charge-offs to loans | 0.3314% | 251 |
| Credit loss provision to net charge-offs | 82.3045% | 1,543 |
| Earnings coverage of net charge-offs (x) | 6.5350% | 2,117 |
| Efficiency ratio | 60.3595% | 2,920 |
| Assets per employee ($millions) | 6.2867% | 2,477 |
| Cash dividends to net income (ytd only)* | 72.3608% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,390 |
| Loan loss allowance to noncurrent loans | 113.1158% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 669 |
| Noncurrent loans to loans | 1.0696% | 686 |
| Net loans and leases to total assets | 70.1700% | 1,724 |
| Net loans and leases to deposits | 81.3261% | 1,886 |
| Net loans and leases to core deposits | 84.2918% | 2,193 |
| Total domestic deposits to total assets | 86.2900% | 2,149 |
| Equity capital to assets | 9.4490% | 2,187 |
| Core capital (leverage) ratio | 10.7489% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $208,391,000 | 2,943 |
| Average earning assets | $195,001,000 | 2,930 |
| Average equity | $19,954,333 | 2,870 |
| Average total loans | $146,639,333 | 2,703 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 3,059 |
| Cost of funding earning assets | 0.5718% | 3,469 |
| Net interest margin | 3.6222% | 2,079 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3567% | 2,648 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.9800% | 2,594 |
| Return on assets (ROA) | 0.9800% | 2,567 |
| Pretax return on assets | 1.2853% | 2,217 |
| Return on Equity (ROE) | 10.1600% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.1866% | 3,465 |
| Net charge-offs to loans | 0.4221% | 191 |
| Credit loss provision to net charge-offs | 67.1053% | 1,253 |
| Earnings coverage of net charge-offs (x) | 5.0197% | 1,832 |
| Efficiency ratio | 61.3671% | 2,768 |
| Assets per employee ($millions) | 6.1236% | 2,656 |
| Cash dividends to net income (ytd only)* | 68.6508% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,338 |
| Loan loss allowance to noncurrent loans | 225.9259% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 1,331 |
| Noncurrent loans to loans | 0.5483% | 1,349 |
| Net loans and leases to total assets | 70.0800% | 1,622 |
| Net loans and leases to deposits | 80.6394% | 1,772 |
| Net loans and leases to core deposits | 83.7039% | 2,004 |
| Total domestic deposits to total assets | 86.9000% | 2,304 |
| Equity capital to assets | 9.6853% | 2,009 |
| Core capital (leverage) ratio | 11.0355% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $205,713,000 | 2,993 |
| Average earning assets | $192,370,500 | 2,980 |
| Average equity | $19,833,000 | 2,909 |
| Average total loans | $144,044,000 | 2,764 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 2,246 |
| Cost of funding earning assets | 0.2303% | 3,513 |
| Net interest margin | 3.5821% | 1,693 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.1975% | 3,036 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0970% | 2,186 |
| Return on assets (ROA) | 1.0970% | 2,125 |
| Pretax return on assets | 1.4733% | 1,530 |
| Return on Equity (ROE) | 11.2800% | 2,387 |
| Retained earnings to average equity (ytd only) | 2.8761% | 3,755 |
| Net charge-offs to loans | 0.1134% | 661 |
| Credit loss provision to net charge-offs | 135.2941% | 1,369 |
| Earnings coverage of net charge-offs (x) | 21.0850% | 1,868 |
| Efficiency ratio | 58.2611% | 3,305 |
| Assets per employee ($millions) | 5.6451% | 3,089 |
| Cash dividends to net income (ytd only)* | 74.5107% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,721 |
| Loan loss allowance to noncurrent loans | 231.8126% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,284 |
| Noncurrent loans to loans | 0.5778% | 1,285 |
| Net loans and leases to total assets | 68.1400% | 1,815 |
| Net loans and leases to deposits | 76.1102% | 2,088 |
| Net loans and leases to core deposits | 78.1836% | 2,262 |
| Total domestic deposits to total assets | 89.5300% | 1,544 |
| Equity capital to assets | 9.5959% | 1,937 |
| Core capital (leverage) ratio | 10.9485% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,918,000 | 3,016 |
| Average earning assets | $191,478,000 | 2,996 |
| Average equity | $19,922,600 | 2,956 |
| Average total loans | $134,926,600 | 2,777 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 1,968 |
| Cost of funding earning assets | 0.2013% | 3,257 |
| Net interest margin | 3.5219% | 1,606 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1953% | 2,950 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0811% | 2,168 |
| Return on assets (ROA) | 1.0811% | 2,132 |
| Pretax return on assets | 1.4311% | 1,625 |
| Return on Equity (ROE) | 11.0800% | 2,350 |
| Retained earnings to average equity (ytd only) | 2.8759% | 3,805 |
| Net charge-offs to loans | 0.0988% | 621 |
| Credit loss provision to net charge-offs | 106.0606% | 1,293 |
| Earnings coverage of net charge-offs (x) | 23.3232% | 1,656 |
| Efficiency ratio | 59.4200% | 3,195 |
| Assets per employee ($millions) | 5.7463% | 2,993 |
| Cash dividends to net income (ytd only)* | 74.0541% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,822 |
| Loan loss allowance to noncurrent loans | 174.6425% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 1,083 |
| Noncurrent loans to loans | 0.7709% | 1,053 |
| Net loans and leases to total assets | 64.8900% | 1,991 |
| Net loans and leases to deposits | 72.1799% | 2,190 |
| Net loans and leases to core deposits | 73.8809% | 2,359 |
| Total domestic deposits to total assets | 89.9100% | 1,703 |
| Equity capital to assets | 9.2122% | 2,067 |
| Core capital (leverage) ratio | 10.7511% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $205,341,750 | 3,030 |
| Average earning assets | $192,050,750 | 3,012 |
| Average equity | $20,028,000 | 2,994 |
| Average total loans | $133,568,750 | 2,795 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 1,693 |
| Cost of funding earning assets | 0.2034% | 2,872 |
| Net interest margin | 3.4438% | 1,474 |
| Noninterest income to average assets | 0.3359% | 3,146 |
| Noninterest expense to average assets | 2.2067% | 2,831 |
| Loan and lease loss provision to assets | 0.0020% | 2,574 |
| Net operating income to assets | 1.0086% | 2,121 |
| Return on assets (ROA) | 1.0086% | 2,093 |
| Pretax return on assets | 1.3504% | 1,584 |
| Return on Equity (ROE) | 10.1515% | 2,282 |
| Retained earnings to average equity (ytd only) | 2.0342% | 3,741 |
| Net charge-offs to loans | 0.0919% | 616 |
| Credit loss provision to net charge-offs | 3.2787% | 1,653 |
| Earnings coverage of net charge-offs (x) | 22.7049% | 1,502 |
| Efficiency ratio | 62.0027% | 3,045 |
| Assets per employee ($millions) | 5.7426% | 2,985 |
| Cash dividends to net income (ytd only)* | 79.9613% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 2,089 |
| Loan loss allowance to noncurrent loans | 111.3493% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 682 |
| Noncurrent loans to loans | 1.1871% | 674 |
| Net loans and leases to total assets | 63.7734% | 1,936 |
| Net loans and leases to deposits | 71.1510% | 2,097 |
| Net loans and leases to core deposits | 73.1346% | 2,229 |
| Total domestic deposits to total assets | 89.6312% | 1,884 |
| Equity capital to assets | 9.4798% | 2,031 |
| Core capital (leverage) ratio | 10.6687% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,833,000 | 3,068 |
| Average earning assets | $191,708,333 | 3,050 |
| Average equity | $20,351,667 | 3,038 |
| Average total loans | $132,732,333 | 2,821 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 1,431 |
| Cost of funding earning assets | 0.2116% | 2,646 |
| Net interest margin | 3.4150% | 1,271 |
| Noninterest income to average assets | 0.2943% | 3,359 |
| Noninterest expense to average assets | 2.2032% | 2,832 |
| Loan and lease loss provision to assets | 0.0098% | 2,146 |
| Net operating income to assets | 0.9280% | 2,166 |
| Return on assets (ROA) | 0.9280% | 2,155 |
| Pretax return on assets | 1.2792% | 1,566 |
| Return on Equity (ROE) | 9.1275% | 2,275 |
| Retained earnings to average equity (ytd only) | 1.0613% | 3,811 |
| Net charge-offs to loans | -0.0091% | 3,544 |
| Credit loss provision to net charge-offs | -166.6667% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0899% | 3,134 |
| Assets per employee ($millions) | 5.7066% | 3,113 |
| Cash dividends to net income (ytd only)* | 88.3721% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,979 |
| Loan loss allowance to noncurrent loans | 119.0136% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 748 |
| Noncurrent loans to loans | 1.1614% | 760 |
| Net loans and leases to total assets | 63.6924% | 1,659 |
| Net loans and leases to deposits | 71.2134% | 1,841 |
| Net loans and leases to core deposits | 73.8709% | 1,949 |
| Total domestic deposits to total assets | 89.4387% | 1,849 |
| Equity capital to assets | 9.7211% | 2,110 |
| Core capital (leverage) ratio | 10.9393% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,882,000 | 3,078 |
| Average earning assets | $190,923,000 | 3,072 |
| Average equity | $20,728,500 | 3,078 |
| Average total loans | $132,294,500 | 2,824 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 1,084 |
| Cost of funding earning assets | 0.2644% | 2,763 |
| Net interest margin | 3.8856% | 863 |
| Noninterest income to average assets | 0.4898% | 2,622 |
| Noninterest expense to average assets | 2.2026% | 3,078 |
| Loan and lease loss provision to assets | 0.1687% | 691 |
| Net operating income to assets | 1.3759% | 1,356 |
| Return on assets (ROA) | 1.3759% | 1,409 |
| Pretax return on assets | 1.7772% | 965 |
| Return on Equity (ROE) | 12.6066% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.7128% | 2,915 |
| Net charge-offs to loans | 0.1107% | 800 |
| Credit loss provision to net charge-offs | 226.0274% | 1,229 |
| Earnings coverage of net charge-offs (x) | 26.0685% | 1,709 |
| Efficiency ratio | 53.0934% | 4,022 |
| Assets per employee ($millions) | 5.6201% | 3,147 |
| Cash dividends to net income (ytd only)* | 62.6161% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,978 |
| Loan loss allowance to noncurrent loans | 135.5605% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 972 |
| Noncurrent loans to loans | 1.0212% | 964 |
| Net loans and leases to total assets | 64.2926% | 1,668 |
| Net loans and leases to deposits | 72.5820% | 1,859 |
| Net loans and leases to core deposits | 75.4262% | 1,964 |
| Total domestic deposits to total assets | 88.5793% | 1,746 |
| Equity capital to assets | 10.6195% | 2,074 |
| Core capital (leverage) ratio | 10.7441% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,584,600 | 3,092 |
| Average earning assets | $184,168,200 | 3,072 |
| Average equity | $21,346,000 | 3,108 |
| Average total loans | $131,865,600 | 2,833 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 951 |
| Cost of funding earning assets | 0.2748% | 2,848 |
| Net interest margin | 4.0248% | 755 |
| Noninterest income to average assets | 0.4738% | 2,737 |
| Noninterest expense to average assets | 2.1921% | 3,092 |
| Loan and lease loss provision to assets | 0.2269% | 427 |
| Net operating income to assets | 1.3945% | 1,566 |
| Return on assets (ROA) | 1.3945% | 1,625 |
| Pretax return on assets | 1.8511% | 1,047 |
| Return on Equity (ROE) | 12.6880% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.0301% | 3,206 |
| Net charge-offs to loans | 0.0920% | 784 |
| Credit loss provision to net charge-offs | 362.6374% | 916 |
| Earnings coverage of net charge-offs (x) | 33.2088% | 1,471 |
| Efficiency ratio | 51.3366% | 4,092 |
| Assets per employee ($millions) | 5.7054% | 2,986 |
| Cash dividends to net income (ytd only)* | 60.3550% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,868 |
| Loan loss allowance to noncurrent loans | 148.8133% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 1,237 |
| Noncurrent loans to loans | 0.9646% | 1,188 |
| Net loans and leases to total assets | 62.8803% | 1,904 |
| Net loans and leases to deposits | 70.9382% | 2,150 |
| Net loans and leases to core deposits | 74.0285% | 2,243 |
| Total domestic deposits to total assets | 88.6409% | 1,493 |
| Equity capital to assets | 10.5499% | 2,420 |
| Core capital (leverage) ratio | 10.7797% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,899,500 | 3,145 |
| Average earning assets | $182,894,500 | 3,114 |
| Average equity | $21,311,000 | 3,144 |
| Average total loans | $131,855,500 | 2,868 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 620 |
| Cost of funding earning assets | 0.2904% | 2,872 |
| Net interest margin | 4.3121% | 485 |
| Noninterest income to average assets | 0.4672% | 2,770 |
| Noninterest expense to average assets | 2.2834% | 2,817 |
| Loan and lease loss provision to assets | 0.2368% | 428 |
| Net operating income to assets | 1.5100% | 1,262 |
| Return on assets (ROA) | 1.5100% | 1,329 |
| Pretax return on assets | 2.0098% | 830 |
| Return on Equity (ROE) | 13.5431% | 1,550 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,873 |
| Net charge-offs to loans | 0.1332% | 596 |
| Credit loss provision to net charge-offs | 255.6818% | 955 |
| Earnings coverage of net charge-offs (x) | 24.2614% | 1,440 |
| Efficiency ratio | 50.4065% | 4,202 |
| Assets per employee ($millions) | 6.0058% | 2,602 |
| Cash dividends to net income (ytd only)* | 56.8641% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,310 |
| Loan loss allowance to noncurrent loans | 153.8927% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 1,433 |
| Noncurrent loans to loans | 0.8616% | 1,431 |
| Net loans and leases to total assets | 66.8019% | 1,605 |
| Net loans and leases to deposits | 75.6345% | 1,854 |
| Net loans and leases to core deposits | 79.2368% | 1,940 |
| Total domestic deposits to total assets | 88.3219% | 1,658 |
| Equity capital to assets | 10.8430% | 2,110 |
| Core capital (leverage) ratio | 11.0620% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,067,667 | 3,173 |
| Average earning assets | $179,075,667 | 3,142 |
| Average equity | $21,191,667 | 3,154 |
| Average total loans | $132,129,333 | 2,874 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 969 |
| Cost of funding earning assets | 0.3081% | 2,908 |
| Net interest margin | 4.0401% | 793 |
| Noninterest income to average assets | 0.4365% | 2,887 |
| Noninterest expense to average assets | 2.3591% | 2,626 |
| Loan and lease loss provision to assets | 0.2129% | 554 |
| Net operating income to assets | 1.2365% | 2,020 |
| Return on assets (ROA) | 1.2365% | 2,107 |
| Pretax return on assets | 1.6709% | 1,557 |
| Return on Equity (ROE) | 10.9303% | 2,387 |
| Retained earnings to average equity (ytd only) | 3.1745% | 3,727 |
| Net charge-offs to loans | -0.0732% | 4,535 |
| Credit loss provision to net charge-offs | -412.5000% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6006% | 3,587 |
| Assets per employee ($millions) | 5.1687% | 3,470 |
| Cash dividends to net income (ytd only)* | 70.9565% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,290 |
| Loan loss allowance to noncurrent loans | 101.9053% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 950 |
| Noncurrent loans to loans | 1.3066% | 996 |
| Net loans and leases to total assets | 68.3898% | 1,479 |
| Net loans and leases to deposits | 77.6358% | 1,751 |
| Net loans and leases to core deposits | 81.2143% | 1,893 |
| Total domestic deposits to total assets | 88.0905% | 1,802 |
| Equity capital to assets | 11.0091% | 1,852 |
| Core capital (leverage) ratio | 11.6181% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,005,500 | 3,192 |
| Average earning assets | $175,244,000 | 3,160 |
| Average equity | $21,042,500 | 3,156 |
| Average total loans | $131,106,500 | 2,885 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 995 |
| Cost of funding earning assets | 0.4758% | 3,112 |
| Net interest margin | 4.1745% | 682 |
| Noninterest income to average assets | 0.5239% | 2,530 |
| Noninterest expense to average assets | 2.5567% | 2,679 |
| Loan and lease loss provision to assets | 0.5026% | 485 |
| Net operating income to assets | 1.0467% | 2,115 |
| Return on assets (ROA) | 1.0467% | 2,256 |
| Pretax return on assets | 1.3788% | 1,727 |
| Return on Equity (ROE) | 8.4950% | 2,609 |
| Retained earnings to average equity (ytd only) | 1.9671% | 3,837 |
| Net charge-offs to loans | 0.1406% | 1,151 |
| Credit loss provision to net charge-offs | 477.9661% | 1,294 |
| Earnings coverage of net charge-offs (x) | 17.8927% | 2,049 |
| Efficiency ratio | 57.6094% | 3,778 |
| Assets per employee ($millions) | 4.8856% | 3,519 |
| Cash dividends to net income (ytd only)* | 76.8445% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,587 |
| Loan loss allowance to noncurrent loans | 102.3053% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 1,114 |
| Noncurrent loans to loans | 1.2379% | 1,120 |
| Net loans and leases to total assets | 70.8175% | 1,455 |
| Net loans and leases to deposits | 80.8825% | 1,779 |
| Net loans and leases to core deposits | 85.2900% | 1,928 |
| Total domestic deposits to total assets | 87.5559% | 1,681 |
| Equity capital to assets | 11.6342% | 1,783 |
| Core capital (leverage) ratio | 11.8583% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,339,200 | 3,208 |
| Average earning assets | $157,837,800 | 3,186 |
| Average equity | $20,741,600 | 3,118 |
| Average total loans | $125,902,000 | 2,912 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 1,020 |
| Cost of funding earning assets | 0.5196% | 3,115 |
| Net interest margin | 4.1989% | 733 |
| Noninterest income to average assets | 0.5076% | 2,586 |
| Noninterest expense to average assets | 2.6370% | 2,428 |
| Loan and lease loss provision to assets | 0.6143% | 401 |
| Net operating income to assets | 0.9030% | 2,693 |
| Return on assets (ROA) | 0.9030% | 2,820 |
| Pretax return on assets | 1.1886% | 2,427 |
| Return on Equity (ROE) | 7.2183% | 3,117 |
| Retained earnings to average equity (ytd only) | 1.4901% | 4,087 |
| Net charge-offs to loans | 0.1547% | 947 |
| Credit loss provision to net charge-offs | 524.8276% | 1,248 |
| Earnings coverage of net charge-offs (x) | 15.4069% | 2,101 |
| Efficiency ratio | 59.3966% | 3,466 |
| Assets per employee ($millions) | 4.6199% | 3,699 |
| Cash dividends to net income (ytd only)* | 79.3566% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,445 |
| Loan loss allowance to noncurrent loans | 85.8919% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 1,013 |
| Noncurrent loans to loans | 1.4436% | 996 |
| Net loans and leases to total assets | 72.0911% | 1,652 |
| Net loans and leases to deposits | 82.7039% | 2,040 |
| Net loans and leases to core deposits | 87.5497% | 2,186 |
| Total domestic deposits to total assets | 87.1677% | 1,595 |
| Equity capital to assets | 11.8805% | 1,750 |
| Core capital (leverage) ratio | 11.9482% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,231,750 | 3,214 |
| Average earning assets | $154,733,250 | 3,195 |
| Average equity | $20,669,250 | 3,124 |
| Average total loans | $124,963,000 | 2,928 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 1,101 |
| Cost of funding earning assets | 0.5624% | 3,171 |
| Net interest margin | 4.2668% | 803 |
| Noninterest income to average assets | 0.5099% | 2,526 |
| Noninterest expense to average assets | 2.7187% | 2,326 |
| Loan and lease loss provision to assets | 0.1914% | 2,115 |
| Net operating income to assets | 1.2025% | 1,630 |
| Return on assets (ROA) | 1.2025% | 1,759 |
| Pretax return on assets | 1.5902% | 1,249 |
| Return on Equity (ROE) | 9.3860% | 2,208 |
| Retained earnings to average equity (ytd only) | 2.4477% | 3,599 |
| Net charge-offs to loans | 0.1679% | 888 |
| Credit loss provision to net charge-offs | 149.0385% | 2,130 |
| Earnings coverage of net charge-offs (x) | 13.8750% | 1,974 |
| Efficiency ratio | 60.4115% | 3,360 |
| Assets per employee ($millions) | 4.5099% | 3,778 |
| Cash dividends to net income (ytd only)* | 73.9220% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,348 |
| Loan loss allowance to noncurrent loans | 46.8435% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 817 |
| Noncurrent loans to loans | 1.7045% | 847 |
| Net loans and leases to total assets | 74.2385% | 1,382 |
| Net loans and leases to deposits | 85.4882% | 1,827 |
| Net loans and leases to core deposits | 90.7895% | 2,006 |
| Total domestic deposits to total assets | 86.8406% | 1,687 |
| Equity capital to assets | 12.1902% | 1,543 |
| Core capital (leverage) ratio | 12.5172% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,990,000 | 3,228 |
| Average earning assets | $151,497,000 | 3,209 |
| Average equity | $20,754,333 | 3,103 |
| Average total loans | $123,900,667 | 2,933 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 961 |
| Cost of funding earning assets | 0.5959% | 3,457 |
| Net interest margin | 4.4082% | 617 |
| Noninterest income to average assets | 0.5696% | 2,181 |
| Noninterest expense to average assets | 2.7617% | 2,539 |
| Loan and lease loss provision to assets | 0.0178% | 3,573 |
| Net operating income to assets | 1.3452% | 1,121 |
| Return on assets (ROA) | 1.3452% | 1,209 |
| Pretax return on assets | 1.9098% | 560 |
| Return on Equity (ROE) | 10.2291% | 1,667 |
| Retained earnings to average equity (ytd only) | 3.2679% | 2,974 |
| Net charge-offs to loans | 0.1873% | 725 |
| Credit loss provision to net charge-offs | 12.2807% | 2,224 |
| Earnings coverage of net charge-offs (x) | 13.2982% | 1,661 |
| Efficiency ratio | 58.8937% | 3,887 |
| Assets per employee ($millions) | 4.1743% | 3,692 |
| Cash dividends to net income (ytd only)* | 68.0529% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 4,497 |
| Loan loss allowance to noncurrent loans | 39.8876% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 739 |
| Noncurrent loans to loans | 1.9003% | 772 |
| Net loans and leases to total assets | 76.1862% | 1,270 |
| Net loans and leases to deposits | 88.9177% | 1,652 |
| Net loans and leases to core deposits | 94.5299% | 1,919 |
| Total domestic deposits to total assets | 85.6817% | 2,136 |
| Equity capital to assets | 13.0965% | 1,380 |
| Core capital (leverage) ratio | 13.3861% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,297,000 | 3,239 |
| Average earning assets | $146,999,000 | 3,219 |
| Average equity | $20,686,000 | 3,104 |
| Average total loans | $121,725,500 | 2,938 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 1,418 |
| Cost of funding earning assets | 0.5718% | 3,762 |
| Net interest margin | 4.4514% | 798 |
| Noninterest income to average assets | 0.5681% | 2,381 |
| Noninterest expense to average assets | 2.7884% | 2,644 |
| Loan and lease loss provision to assets | 0.2903% | 586 |
| Net operating income to assets | 1.2458% | 1,883 |
| Return on assets (ROA) | 1.2458% | 1,966 |
| Pretax return on assets | 1.6405% | 1,364 |
| Return on Equity (ROE) | 9.2698% | 2,626 |
| Retained earnings to average equity (ytd only) | 1.8129% | 4,076 |
| Net charge-offs to loans | 0.3810% | 518 |
| Credit loss provision to net charge-offs | 97.7876% | 2,539 |
| Earnings coverage of net charge-offs (x) | 6.5044% | 2,974 |
| Efficiency ratio | 59.0871% | 3,827 |
| Assets per employee ($millions) | 4.1045% | 3,767 |
| Cash dividends to net income (ytd only)* | 80.4428% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,304 |
| Loan loss allowance to noncurrent loans | 53.7272% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 1,026 |
| Noncurrent loans to loans | 1.4883% | 974 |
| Net loans and leases to total assets | 77.3902% | 1,181 |
| Net loans and leases to deposits | 90.3367% | 1,548 |
| Net loans and leases to core deposits | 94.6254% | 2,010 |
| Total domestic deposits to total assets | 85.6686% | 2,211 |
| Equity capital to assets | 13.2062% | 1,413 |
| Core capital (leverage) ratio | 13.3036% | 1,113 |
| Tier 1 risk-based capital ratio | 18.0337% | 1,749 |
| Total risk-based capital ratio | 18.8848% | 1,809 |
| Memoranda: | ||
| Average total assets | $152,272,000 | 3,265 |
| Average earning assets | $142,000,400 | 3,254 |
| Average equity | $20,464,400 | 3,091 |
| Average total loans | $118,636,400 | 2,957 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 1,567 |
| Cost of funding earning assets | 0.5595% | 3,874 |
| Net interest margin | 4.4295% | 886 |
| Noninterest income to average assets | 0.5656% | 2,382 |
| Noninterest expense to average assets | 2.8058% | 2,548 |
| Loan and lease loss provision to assets | 0.2079% | 848 |
| Net operating income to assets | 1.2756% | 1,931 |
| Return on assets (ROA) | 1.2756% | 2,011 |
| Pretax return on assets | 1.6809% | 1,395 |
| Return on Equity (ROE) | 9.4495% | 2,696 |
| Retained earnings to average equity (ytd only) | 2.9367% | 3,916 |
| Net charge-offs to loans | 0.3416% | 497 |
| Credit loss provision to net charge-offs | 78.1457% | 2,526 |
| Earnings coverage of net charge-offs (x) | 7.0993% | 2,774 |
| Efficiency ratio | 59.7673% | 3,685 |
| Assets per employee ($millions) | 4.0816% | 3,790 |
| Cash dividends to net income (ytd only)* | 68.9224% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,511 |
| Loan loss allowance to noncurrent loans | 55.1082% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 1,202 |
| Noncurrent loans to loans | 1.3862% | 1,109 |
| Net loans and leases to total assets | 76.8051% | 1,346 |
| Net loans and leases to deposits | 89.7897% | 1,725 |
| Net loans and leases to core deposits | 93.6811% | 2,207 |
| Total domestic deposits to total assets | 85.5389% | 2,190 |
| Equity capital to assets | 13.3315% | 1,445 |
| Core capital (leverage) ratio | 13.4487% | 1,151 |
| Tier 1 risk-based capital ratio | 18.1482% | 1,773 |
| Total risk-based capital ratio | 18.9524% | 1,860 |
| Memoranda: | ||
| Average total assets | $151,347,000 | 3,311 |
| Average earning assets | $141,081,250 | 3,294 |
| Average equity | $20,431,000 | 3,116 |
| Average total loans | $117,875,500 | 2,996 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 1,745 |
| Cost of funding earning assets | 0.5315% | 3,977 |
| Net interest margin | 4.3723% | 994 |
| Noninterest income to average assets | 0.6116% | 2,094 |
| Noninterest expense to average assets | 2.8515% | 2,410 |
| Loan and lease loss provision to assets | 0.1759% | 1,023 |
| Net operating income to assets | 1.2605% | 1,918 |
| Return on assets (ROA) | 1.2605% | 1,982 |
| Pretax return on assets | 1.6616% | 1,362 |
| Return on Equity (ROE) | 9.2978% | 2,729 |
| Retained earnings to average equity (ytd only) | 3.0272% | 3,706 |
| Net charge-offs to loans | 0.3209% | 530 |
| Credit loss provision to net charge-offs | 70.2128% | 2,317 |
| Earnings coverage of net charge-offs (x) | 7.3351% | 2,500 |
| Efficiency ratio | 60.8127% | 3,610 |
| Assets per employee ($millions) | 4.2051% | 3,565 |
| Cash dividends to net income (ytd only)* | 67.4419% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,508 |
| Loan loss allowance to noncurrent loans | 63.2765% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 1,412 |
| Noncurrent loans to loans | 1.2342% | 1,293 |
| Net loans and leases to total assets | 75.6969% | 1,595 |
| Net loans and leases to deposits | 88.2839% | 1,967 |
| Net loans and leases to core deposits | 92.3038% | 2,385 |
| Total domestic deposits to total assets | 85.7426% | 2,163 |
| Equity capital to assets | 13.2014% | 1,488 |
| Core capital (leverage) ratio | 13.5464% | 1,093 |
| Tier 1 risk-based capital ratio | 18.0910% | 1,784 |
| Total risk-based capital ratio | 18.9061% | 1,846 |
| Memoranda: | ||
| Average total assets | $150,096,330 | 3,348 |
| Average earning assets | $139,973,330 | 3,330 |
| Average equity | $20,349,000 | 3,122 |
| Average total loans | $117,153,670 | 3,013 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 1,714 |
| Cost of funding earning assets | 0.4978% | 4,069 |
| Net interest margin | 4.3667% | 975 |
| Noninterest income to average assets | 0.6081% | 2,011 |
| Noninterest expense to average assets | 2.9399% | 2,157 |
| Loan and lease loss provision to assets | 0.1303% | 1,340 |
| Net operating income to assets | 1.2216% | 1,980 |
| Return on assets (ROA) | 1.2216% | 2,026 |
| Pretax return on assets | 1.6098% | 1,445 |
| Return on Equity (ROE) | 8.8874% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.3969% | 3,563 |
| Net charge-offs to loans | 0.3059% | 493 |
| Credit loss provision to net charge-offs | 53.9326% | 1,947 |
| Earnings coverage of net charge-offs (x) | 7.2022% | 2,147 |
| Efficiency ratio | 62.8190% | 3,405 |
| Assets per employee ($millions) | 4.0170% | 3,897 |
| Cash dividends to net income (ytd only)* | 61.7778% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,506 |
| Loan loss allowance to noncurrent loans | 65.1452% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 1,373 |
| Noncurrent loans to loans | 1.2369% | 1,329 |
| Net loans and leases to total assets | 78.0245% | 1,141 |
| Net loans and leases to deposits | 91.7127% | 1,429 |
| Net loans and leases to core deposits | 94.6600% | 2,068 |
| Total domestic deposits to total assets | 85.0749% | 2,655 |
| Equity capital to assets | 13.6972% | 1,129 |
| Core capital (leverage) ratio | 13.9578% | 968 |
| Tier 1 risk-based capital ratio | 18.4827% | 1,667 |
| Total risk-based capital ratio | 19.3355% | 1,732 |
| Memoranda: | ||
| Average total assets | $147,350,000 | 3,421 |
| Average earning assets | $137,403,500 | 3,406 |
| Average equity | $20,253,500 | 3,136 |
| Average total loans | $116,379,000 | 3,057 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 2,531 |
| Cost of funding earning assets | 0.3583% | 4,226 |
| Net interest margin | 4.1165% | 1,630 |
| Noninterest income to average assets | 0.7088% | 1,821 |
| Noninterest expense to average assets | 2.8040% | 2,679 |
| Loan and lease loss provision to assets | 0.2459% | 703 |
| Net operating income to assets | 1.1480% | 2,396 |
| Return on assets (ROA) | 1.1480% | 2,394 |
| Pretax return on assets | 1.4984% | 1,789 |
| Return on Equity (ROE) | 8.5264% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.8264% | 4,417 |
| Net charge-offs to loans | 0.3044% | 635 |
| Credit loss provision to net charge-offs | 106.1047% | 2,408 |
| Earnings coverage of net charge-offs (x) | 7.5262% | 2,985 |
| Efficiency ratio | 61.6501% | 3,597 |
| Assets per employee ($millions) | 3.9479% | 3,965 |
| Cash dividends to net income (ytd only)* | 78.5798% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,360 |
| Loan loss allowance to noncurrent loans | 65.9289% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 1,290 |
| Noncurrent loans to loans | 1.2870% | 1,233 |
| Net loans and leases to total assets | 78.6371% | 1,162 |
| Net loans and leases to deposits | 92.4542% | 1,487 |
| Net loans and leases to core deposits | 95.8103% | 2,078 |
| Total domestic deposits to total assets | 85.0552% | 2,624 |
| Equity capital to assets | 13.7940% | 1,033 |
| Core capital (leverage) ratio | 13.8821% | 955 |
| Tier 1 risk-based capital ratio | 18.4770% | 1,622 |
| Total risk-based capital ratio | 19.3742% | 1,682 |
| Memoranda: | ||
| Average total assets | $148,428,200 | 3,406 |
| Average earning assets | $138,441,400 | 3,379 |
| Average equity | $19,985,000 | 3,090 |
| Average total loans | $112,993,000 | 3,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,704 |
| Cost of funding earning assets | 0.3297% | 4,305 |
| Net interest margin | 4.0464% | 1,802 |
| Noninterest income to average assets | 0.7006% | 1,860 |
| Noninterest expense to average assets | 2.8255% | 2,549 |
| Loan and lease loss provision to assets | 0.2326% | 694 |
| Net operating income to assets | 1.0656% | 2,807 |
| Return on assets (ROA) | 1.0656% | 2,818 |
| Pretax return on assets | 1.4199% | 2,159 |
| Return on Equity (ROE) | 7.9621% | 3,566 |
| Retained earnings to average equity (ytd only) | 1.8986% | 4,611 |
| Net charge-offs to loans | 0.3301% | 505 |
| Credit loss provision to net charge-offs | 93.5252% | 2,381 |
| Earnings coverage of net charge-offs (x) | 6.6439% | 2,870 |
| Efficiency ratio | 63.0969% | 3,319 |
| Assets per employee ($millions) | 3.8637% | 4,086 |
| Cash dividends to net income (ytd only)* | 76.1543% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 4,533 |
| Loan loss allowance to noncurrent loans | 57.6313% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 1,274 |
| Noncurrent loans to loans | 1.4337% | 1,152 |
| Net loans and leases to total assets | 77.1726% | 1,475 |
| Net loans and leases to deposits | 90.6048% | 1,812 |
| Net loans and leases to core deposits | 93.4821% | 2,348 |
| Total domestic deposits to total assets | 85.1749% | 2,536 |
| Equity capital to assets | 13.6447% | 1,076 |
| Core capital (leverage) ratio | 13.5163% | 1,098 |
| Tier 1 risk-based capital ratio | 18.7965% | 1,591 |
| Total risk-based capital ratio | 19.6765% | 1,643 |
| Memoranda: | ||
| Average total assets | $149,017,500 | 3,439 |
| Average earning assets | $139,115,250 | 3,406 |
| Average equity | $19,944,000 | 3,114 |
| Average total loans | $112,279,000 | 3,132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,922 |
| Cost of funding earning assets | 0.2947% | 4,451 |
| Net interest margin | 3.9609% | 1,998 |
| Noninterest income to average assets | 0.6798% | 1,957 |
| Noninterest expense to average assets | 2.8314% | 2,577 |
| Loan and lease loss provision to assets | 0.1055% | 1,850 |
| Net operating income to assets | 1.1058% | 2,559 |
| Return on assets (ROA) | 1.1058% | 2,566 |
| Pretax return on assets | 1.4411% | 2,019 |
| Return on Equity (ROE) | 8.3156% | 3,356 |
| Retained earnings to average equity (ytd only) | 2.7217% | 4,160 |
| Net charge-offs to loans | 0.1469% | 1,045 |
| Credit loss provision to net charge-offs | 96.3415% | 2,102 |
| Earnings coverage of net charge-offs (x) | 14.1220% | 2,115 |
| Efficiency ratio | 64.6736% | 3,218 |
| Assets per employee ($millions) | 4.0781% | 3,766 |
| Cash dividends to net income (ytd only)* | 67.2705% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,530 |
| Loan loss allowance to noncurrent loans | 68.3535% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 1,618 |
| Noncurrent loans to loans | 1.2545% | 1,369 |
| Net loans and leases to total assets | 73.4850% | 2,037 |
| Net loans and leases to deposits | 85.7633% | 2,344 |
| Net loans and leases to core deposits | 90.9591% | 2,490 |
| Total domestic deposits to total assets | 85.6834% | 2,418 |
| Equity capital to assets | 13.2820% | 1,192 |
| Core capital (leverage) ratio | 13.5015% | 1,063 |
| Tier 1 risk-based capital ratio | 19.2062% | 1,499 |
| Total risk-based capital ratio | 20.1203% | 1,543 |
| Memoranda: | ||
| Average total assets | $149,750,330 | 3,441 |
| Average earning assets | $139,816,670 | 3,412 |
| Average equity | $19,914,330 | 3,139 |
| Average total loans | $111,622,670 | 3,150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,032 |
| Cost of funding earning assets | 0.2788% | 4,517 |
| Net interest margin | 3.8796% | 2,123 |
| Noninterest income to average assets | 0.5443% | 2,556 |
| Noninterest expense to average assets | 2.5311% | 3,557 |
| Loan and lease loss provision to assets | 0.0027% | 3,485 |
| Net operating income to assets | 1.2468% | 1,819 |
| Return on assets (ROA) | 1.2468% | 1,831 |
| Pretax return on assets | 1.6302% | 1,299 |
| Return on Equity (ROE) | 9.3698% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.7681% | 3,686 |
| Net charge-offs to loans | 0.0143% | 2,248 |
| Credit loss provision to net charge-offs | 25.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 152.2500% | 427 |
| Efficiency ratio | 60.7856% | 3,970 |
| Assets per employee ($millions) | 4.2348% | 3,590 |
| Cash dividends to net income (ytd only)* | 59.7849% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,606 |
| Loan loss allowance to noncurrent loans | 88.8786% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 1,934 |
| Noncurrent loans to loans | 0.9668% | 1,885 |
| Net loans and leases to total assets | 72.5761% | 2,080 |
| Net loans and leases to deposits | 84.5009% | 2,339 |
| Net loans and leases to core deposits | 88.4960% | 2,590 |
| Total domestic deposits to total assets | 85.8879% | 2,595 |
| Equity capital to assets | 13.0822% | 1,198 |
| Core capital (leverage) ratio | 13.7082% | 943 |
| Tier 1 risk-based capital ratio | 19.0358% | 1,541 |
| Total risk-based capital ratio | 19.9455% | 1,591 |
| Memoranda: | ||
| Average total assets | $149,181,500 | 3,480 |
| Average earning assets | $139,191,000 | 3,461 |
| Average equity | $19,851,000 | 3,172 |
| Average total loans | $111,514,500 | 3,171 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 2,675 |
| Cost of funding earning assets | 0.2631% | 4,456 |
| Net interest margin | 3.9409% | 1,953 |
| Noninterest income to average assets | 0.6616% | 2,132 |
| Noninterest expense to average assets | 2.6152% | 3,395 |
| Loan and lease loss provision to assets | 0.2500% | 747 |
| Net operating income to assets | 0.8927% | 2,756 |
| Return on assets (ROA) | 0.8927% | 2,780 |
| Pretax return on assets | 1.4603% | 1,778 |
| Return on Equity (ROE) | 6.6385% | 3,456 |
| Retained earnings to average equity (ytd only) | 0.7990% | 4,716 |
| Net charge-offs to loans | 0.2267% | 1,141 |
| Credit loss provision to net charge-offs | 147.4104% | 1,808 |
| Earnings coverage of net charge-offs (x) | 10.0837% | 2,715 |
| Efficiency ratio | 60.4593% | 4,191 |
| Assets per employee ($millions) | 3.8398% | 4,225 |
| Cash dividends to net income (ytd only)* | 87.9637% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 4,623 |
| Loan loss allowance to noncurrent loans | 84.5343% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 1,638 |
| Noncurrent loans to loans | 1.0213% | 1,741 |
| Net loans and leases to total assets | 75.7066% | 1,650 |
| Net loans and leases to deposits | 88.5747% | 1,949 |
| Net loans and leases to core deposits | 93.2989% | 2,258 |
| Total domestic deposits to total assets | 85.4721% | 2,667 |
| Equity capital to assets | 13.5410% | 1,044 |
| Core capital (leverage) ratio | 13.4466% | 988 |
| Tier 1 risk-based capital ratio | 18.6406% | 1,604 |
| Total risk-based capital ratio | 19.5442% | 1,663 |
| Memoranda: | ||
| Average total assets | $147,980,600 | 3,493 |
| Average earning assets | $137,581,400 | 3,483 |
| Average equity | $19,899,000 | 3,159 |
| Average total loans | $110,739,600 | 3,170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 2,708 |
| Cost of funding earning assets | 0.2539% | 4,533 |
| Net interest margin | 3.9182% | 1,976 |
| Noninterest income to average assets | 0.6438% | 2,241 |
| Noninterest expense to average assets | 2.5930% | 3,430 |
| Loan and lease loss provision to assets | 0.1823% | 1,086 |
| Net operating income to assets | 1.0155% | 2,490 |
| Return on assets (ROA) | 1.0155% | 2,528 |
| Pretax return on assets | 1.5129% | 1,729 |
| Return on Equity (ROE) | 7.5647% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.4847% | 3,845 |
| Net charge-offs to loans | 0.2146% | 1,007 |
| Credit loss provision to net charge-offs | 114.0449% | 2,085 |
| Earnings coverage of net charge-offs (x) | 10.6066% | 2,581 |
| Efficiency ratio | 60.4690% | 4,135 |
| Assets per employee ($millions) | 3.8504% | 4,233 |
| Cash dividends to net income (ytd only)* | 53.9345% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 4,946 |
| Loan loss allowance to noncurrent loans | 80.5195% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 1,958 |
| Noncurrent loans to loans | 0.9696% | 1,988 |
| Net loans and leases to total assets | 73.4614% | 2,011 |
| Net loans and leases to deposits | 85.8408% | 2,314 |
| Net loans and leases to core deposits | 90.0412% | 2,607 |
| Total domestic deposits to total assets | 85.5786% | 2,485 |
| Equity capital to assets | 13.4185% | 1,191 |
| Core capital (leverage) ratio | 13.4625% | 1,035 |
| Tier 1 risk-based capital ratio | 19.0123% | 1,580 |
| Total risk-based capital ratio | 19.8276% | 1,658 |
| Memoranda: | ||
| Average total assets | $148,497,750 | 3,521 |
| Average earning assets | $138,120,500 | 3,509 |
| Average equity | $19,934,250 | 3,174 |
| Average total loans | $110,567,750 | 3,195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 2,637 |
| Cost of funding earning assets | 0.2470% | 4,562 |
| Net interest margin | 3.9115% | 1,888 |
| Noninterest income to average assets | 0.6611% | 2,162 |
| Noninterest expense to average assets | 2.5713% | 3,522 |
| Loan and lease loss provision to assets | 0.1136% | 1,803 |
| Net operating income to assets | 1.0815% | 2,078 |
| Return on assets (ROA) | 1.0815% | 2,120 |
| Pretax return on assets | 1.6155% | 1,298 |
| Return on Equity (ROE) | 8.0554% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.7225% | 2,903 |
| Net charge-offs to loans | 0.0489% | 2,243 |
| Credit loss provision to net charge-offs | 311.1111% | 939 |
| Earnings coverage of net charge-offs (x) | 47.3704% | 1,118 |
| Efficiency ratio | 59.7925% | 4,344 |
| Assets per employee ($millions) | 3.9150% | 4,108 |
| Cash dividends to net income (ytd only)* | 41.3750% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,908 |
| Loan loss allowance to noncurrent loans | 78.1929% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 1,787 |
| Noncurrent loans to loans | 1.0434% | 1,883 |
| Net loans and leases to total assets | 73.5431% | 1,952 |
| Net loans and leases to deposits | 86.0101% | 2,222 |
| Net loans and leases to core deposits | 91.0112% | 2,428 |
| Total domestic deposits to total assets | 85.5051% | 2,615 |
| Equity capital to assets | 13.5061% | 1,140 |
| Core capital (leverage) ratio | 13.6167% | 963 |
| Tier 1 risk-based capital ratio | 18.8875% | 1,612 |
| Total risk-based capital ratio | 19.7294% | 1,683 |
| Memoranda: | ||
| Average total assets | $147,941,670 | 3,550 |
| Average earning assets | $137,645,670 | 3,529 |
| Average equity | $19,862,330 | 3,174 |
| Average total loans | $110,363,000 | 3,217 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 2,587 |
| Cost of funding earning assets | 0.2446% | 4,580 |
| Net interest margin | 3.8724% | 1,880 |
| Noninterest income to average assets | 0.6670% | 2,109 |
| Noninterest expense to average assets | 2.4863% | 3,847 |
| Loan and lease loss provision to assets | 0.1356% | 1,411 |
| Net operating income to assets | 1.0954% | 1,893 |
| Return on assets (ROA) | 1.0954% | 1,931 |
| Pretax return on assets | 1.6512% | 1,122 |
| Return on Equity (ROE) | 8.1835% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.3679% | 2,691 |
| Net charge-offs to loans | 0.0362% | 2,063 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 65.9000% | 749 |
| Efficiency ratio | 58.1853% | 4,695 |
| Assets per employee ($millions) | 3.9132% | 4,164 |
| Cash dividends to net income (ytd only)* | 34.4059% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 5,090 |
| Loan loss allowance to noncurrent loans | 59.2220% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 1,572 |
| Noncurrent loans to loans | 1.3373% | 1,513 |
| Net loans and leases to total assets | 74.3838% | 1,679 |
| Net loans and leases to deposits | 86.9741% | 1,917 |
| Net loans and leases to core deposits | 92.0730% | 2,159 |
| Total domestic deposits to total assets | 85.5242% | 2,877 |
| Equity capital to assets | 13.3824% | 1,113 |
| Core capital (leverage) ratio | 13.6984% | 915 |
| Tier 1 risk-based capital ratio | 18.1970% | 1,805 |
| Total risk-based capital ratio | 19.0010% | 1,909 |
| Memoranda: | ||
| Average total assets | $147,527,500 | 3,584 |
| Average earning assets | $137,381,500 | 3,566 |
| Average equity | $19,747,000 | 3,197 |
| Average total loans | $110,389,500 | 3,245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,184 |
| Cost of funding earning assets | 0.2286% | 4,753 |
| Net interest margin | 3.7759% | 2,404 |
| Noninterest income to average assets | 0.6181% | 2,562 |
| Noninterest expense to average assets | 2.6521% | 3,517 |
| Loan and lease loss provision to assets | 0.1575% | 1,583 |
| Net operating income to assets | 0.9069% | 2,785 |
| Return on assets (ROA) | 0.9064% | 2,904 |
| Pretax return on assets | 1.3110% | 2,243 |
| Return on Equity (ROE) | 6.7069% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.4436% | 2,751 |
| Net charge-offs to loans | 0.1290% | 1,951 |
| Credit loss provision to net charge-offs | 174.4186% | 1,592 |
| Earnings coverage of net charge-offs (x) | 16.2713% | 2,126 |
| Efficiency ratio | 64.3512% | 3,874 |
| Assets per employee ($millions) | 3.7526% | 4,393 |
| Cash dividends to net income (ytd only)* | 33.7452% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 5,179 |
| Loan loss allowance to noncurrent loans | 57.4642% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 1,474 |
| Noncurrent loans to loans | 1.3424% | 1,532 |
| Net loans and leases to total assets | 74.0967% | 1,839 |
| Net loans and leases to deposits | 86.5031% | 2,102 |
| Net loans and leases to core deposits | 92.8704% | 2,222 |
| Total domestic deposits to total assets | 85.6579% | 2,753 |
| Equity capital to assets | 13.3883% | 1,096 |
| Core capital (leverage) ratio | 13.5018% | 966 |
| Tier 1 risk-based capital ratio | 17.9405% | 1,866 |
| Total risk-based capital ratio | 18.7074% | 1,982 |
| Memoranda: | ||
| Average total assets | $142,868,400 | 3,625 |
| Average earning assets | $132,549,600 | 3,607 |
| Average equity | $19,308,600 | 3,237 |
| Average total loans | $99,996,800 | 3,383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,380 |
| Cost of funding earning assets | 0.2291% | 4,794 |
| Net interest margin | 3.7301% | 2,592 |
| Noninterest income to average assets | 0.6282% | 2,530 |
| Noninterest expense to average assets | 2.6413% | 3,534 |
| Loan and lease loss provision to assets | 0.1624% | 1,423 |
| Net operating income to assets | 0.9333% | 2,733 |
| Return on assets (ROA) | 0.9333% | 2,859 |
| Pretax return on assets | 1.2789% | 2,506 |
| Return on Equity (ROE) | 6.8892% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.2259% | 2,678 |
| Net charge-offs to loans | 0.2362% | 995 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 8.8729% | 2,728 |
| Efficiency ratio | 64.6964% | 3,817 |
| Assets per employee ($millions) | 3.8372% | 4,236 |
| Cash dividends to net income (ytd only)* | 24.1447% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 5,400 |
| Loan loss allowance to noncurrent loans | 56.8493% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 1,765 |
| Noncurrent loans to loans | 1.2562% | 1,780 |
| Net loans and leases to total assets | 71.2243% | 2,313 |
| Net loans and leases to deposits | 86.2655% | 2,236 |
| Net loans and leases to core deposits | 87.9330% | 2,769 |
| Total domestic deposits to total assets | 82.5641% | 3,754 |
| Equity capital to assets | 13.4054% | 1,289 |
| Core capital (leverage) ratio | 13.7946% | 912 |
| Tier 1 risk-based capital ratio | 17.7508% | 1,990 |
| Total risk-based capital ratio | 18.4267% | 2,129 |
| Memoranda: | ||
| Average total assets | $141,997,500 | 3,653 |
| Average earning assets | $131,502,250 | 3,646 |
| Average equity | $19,237,250 | 3,264 |
| Average total loans | $97,674,750 | 3,435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,509 |
| Cost of funding earning assets | 0.2271% | 4,872 |
| Net interest margin | 3.7000% | 2,697 |
| Noninterest income to average assets | 0.6225% | 2,496 |
| Noninterest expense to average assets | 2.6491% | 3,548 |
| Loan and lease loss provision to assets | 0.1705% | 1,299 |
| Net operating income to assets | 0.9082% | 2,822 |
| Return on assets (ROA) | 0.9082% | 2,955 |
| Pretax return on assets | 1.2293% | 2,671 |
| Return on Equity (ROE) | 6.6792% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.1740% | 2,616 |
| Net charge-offs to loans | 0.1971% | 1,163 |
| Credit loss provision to net charge-offs | 127.6596% | 1,783 |
| Earnings coverage of net charge-offs (x) | 10.4787% | 2,333 |
| Efficiency ratio | 65.4265% | 3,774 |
| Assets per employee ($millions) | 3.6385% | 4,535 |
| Cash dividends to net income (ytd only)* | 22.5352% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 5,278 |
| Loan loss allowance to noncurrent loans | 52.7645% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 1,816 |
| Noncurrent loans to loans | 1.5212% | 1,431 |
| Net loans and leases to total assets | 67.3218% | 2,893 |
| Net loans and leases to deposits | 78.7885% | 3,078 |
| Net loans and leases to core deposits | 80.3072% | 3,432 |
| Total domestic deposits to total assets | 85.4463% | 2,666 |
| Equity capital to assets | 13.6672% | 1,155 |
| Core capital (leverage) ratio | 13.8172% | 871 |
| Tier 1 risk-based capital ratio | 19.4833% | 1,573 |
| Total risk-based capital ratio | 20.2613% | 1,661 |
| Memoranda: | ||
| Average total assets | $140,725,330 | 3,704 |
| Average earning assets | $130,324,670 | 3,686 |
| Average equity | $19,134,000 | 3,283 |
| Average total loans | $95,365,670 | 3,499 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 3,481 |
| Cost of funding earning assets | 0.2309% | 4,891 |
| Net interest margin | 3.6948% | 2,690 |
| Noninterest income to average assets | 0.5966% | 2,558 |
| Noninterest expense to average assets | 2.6174% | 3,696 |
| Loan and lease loss provision to assets | 0.2169% | 890 |
| Net operating income to assets | 0.8820% | 2,844 |
| Return on assets (ROA) | 0.8820% | 2,967 |
| Pretax return on assets | 1.1874% | 2,748 |
| Return on Equity (ROE) | 6.5039% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.4936% | 2,657 |
| Net charge-offs to loans | 0.2866% | 737 |
| Credit loss provision to net charge-offs | 111.7647% | 1,502 |
| Earnings coverage of net charge-offs (x) | 7.2353% | 2,161 |
| Efficiency ratio | 65.0816% | 3,962 |
| Assets per employee ($millions) | 3.6682% | 4,523 |
| Cash dividends to net income (ytd only)* | 15.5340% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 5,385 |
| Loan loss allowance to noncurrent loans | 49.5407% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 1,838 |
| Noncurrent loans to loans | 1.5972% | 1,452 |
| Net loans and leases to total assets | 66.1704% | 2,924 |
| Net loans and leases to deposits | 77.1454% | 3,092 |
| Net loans and leases to core deposits | 81.0650% | 3,231 |
| Total domestic deposits to total assets | 85.7736% | 2,775 |
| Equity capital to assets | 13.3743% | 1,231 |
| Core capital (leverage) ratio | 13.7959% | 867 |
| Tier 1 risk-based capital ratio | 19.5071% | 1,610 |
| Total risk-based capital ratio | 20.2773% | 1,690 |
| Memoranda: | ||
| Average total assets | $140,137,000 | 3,740 |
| Average earning assets | $129,911,500 | 3,716 |
| Average equity | $19,004,000 | 3,303 |
| Average total loans | $94,896,500 | 3,513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,510 |
| Cost of funding earning assets | 0.2327% | 4,980 |
| Net interest margin | 3.7206% | 2,674 |
| Noninterest income to average assets | 0.6567% | 2,426 |
| Noninterest expense to average assets | 2.7609% | 3,380 |
| Loan and lease loss provision to assets | 0.1182% | 2,015 |
| Net operating income to assets | 0.8946% | 2,903 |
| Return on assets (ROA) | 0.8946% | 2,984 |
| Pretax return on assets | 1.2172% | 2,603 |
| Return on Equity (ROE) | 6.4127% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,527 |
| Net charge-offs to loans | 0.1623% | 1,748 |
| Credit loss provision to net charge-offs | 108.3333% | 2,330 |
| Earnings coverage of net charge-offs (x) | 12.2431% | 2,484 |
| Efficiency ratio | 67.4001% | 3,676 |
| Assets per employee ($millions) | 3.6109% | 4,628 |
| Cash dividends to net income (ytd only)* | 24.3861% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 5,433 |
| Loan loss allowance to noncurrent loans | 59.9038% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 2,109 |
| Noncurrent loans to loans | 1.3213% | 1,784 |
| Net loans and leases to total assets | 68.2348% | 2,672 |
| Net loans and leases to deposits | 79.9332% | 2,830 |
| Net loans and leases to core deposits | 81.9926% | 3,148 |
| Total domestic deposits to total assets | 85.3647% | 2,918 |
| Equity capital to assets | 13.7557% | 1,016 |
| Core capital (leverage) ratio | 13.9065% | 849 |
| Tier 1 risk-based capital ratio | 19.3076% | 1,629 |
| Total risk-based capital ratio | 20.0723% | 1,705 |
| Memoranda: | ||
| Average total assets | $132,020,000 | 3,847 |
| Average earning assets | $122,051,000 | 3,838 |
| Average equity | $18,416,600 | 3,323 |
| Average total loans | $88,721,200 | 3,617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 3,726 |
| Cost of funding earning assets | 0.2328% | 5,066 |
| Net interest margin | 3.6745% | 2,872 |
| Noninterest income to average assets | 0.6375% | 2,542 |
| Noninterest expense to average assets | 2.6682% | 3,671 |
| Loan and lease loss provision to assets | 0.1091% | 2,063 |
| Net operating income to assets | 0.8772% | 3,051 |
| Return on assets (ROA) | 0.8772% | 3,136 |
| Pretax return on assets | 1.2576% | 2,565 |
| Return on Equity (ROE) | 6.2651% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.8664% | 3,012 |
| Net charge-offs to loans | 0.1237% | 1,889 |
| Credit loss provision to net charge-offs | 132.0988% | 1,858 |
| Earnings coverage of net charge-offs (x) | 16.5428% | 2,110 |
| Efficiency ratio | 66.1274% | 3,875 |
| Assets per employee ($millions) | 3.5003% | 4,788 |
| Cash dividends to net income (ytd only)* | 22.3252% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 5,414 |
| Loan loss allowance to noncurrent loans | 46.4308% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 1,820 |
| Noncurrent loans to loans | 1.8061% | 1,312 |
| Net loans and leases to total assets | 67.6540% | 2,743 |
| Net loans and leases to deposits | 79.6389% | 2,922 |
| Net loans and leases to core deposits | 82.8749% | 3,161 |
| Total domestic deposits to total assets | 84.9510% | 3,034 |
| Equity capital to assets | 14.0228% | 1,011 |
| Core capital (leverage) ratio | 14.1157% | 833 |
| Tier 1 risk-based capital ratio | 19.8911% | 1,579 |
| Total risk-based capital ratio | 20.7033% | 1,644 |
| Memoranda: | ||
| Average total assets | $130,721,000 | 3,918 |
| Average earning assets | $120,864,500 | 3,905 |
| Average equity | $18,302,000 | 3,367 |
| Average total loans | $87,307,500 | 3,688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 3,819 |
| Cost of funding earning assets | 0.2348% | 5,098 |
| Net interest margin | 3.6286% | 2,979 |
| Noninterest income to average assets | 0.6279% | 2,590 |
| Noninterest expense to average assets | 2.6563% | 3,731 |
| Loan and lease loss provision to assets | 0.0785% | 2,548 |
| Net operating income to assets | 0.8787% | 2,996 |
| Return on assets (ROA) | 0.8787% | 3,106 |
| Pretax return on assets | 1.2466% | 2,563 |
| Return on Equity (ROE) | 6.2798% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.6961% | 3,054 |
| Net charge-offs to loans | 0.0975% | 2,040 |
| Credit loss provision to net charge-offs | 121.4286% | 1,788 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,706 |
| Efficiency ratio | 66.7182% | 3,880 |
| Assets per employee ($millions) | 3.5628% | 4,693 |
| Cash dividends to net income (ytd only)* | 25.2189% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 5,486 |
| Loan loss allowance to noncurrent loans | 45.7565% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 1,956 |
| Noncurrent loans to loans | 1.8444% | 1,373 |
| Net loans and leases to total assets | 66.3099% | 2,895 |
| Net loans and leases to deposits | 77.9395% | 3,037 |
| Net loans and leases to core deposits | 79.8358% | 3,405 |
| Total domestic deposits to total assets | 85.0787% | 3,090 |
| Equity capital to assets | 13.9382% | 998 |
| Core capital (leverage) ratio | 13.9204% | 865 |
| Tier 1 risk-based capital ratio | 20.2599% | 1,495 |
| Total risk-based capital ratio | 21.0792% | 1,550 |
| Memoranda: | ||
| Average total assets | $129,957,330 | 3,962 |
| Average earning assets | $120,100,330 | 3,940 |
| Average equity | $18,185,330 | 3,397 |
| Average total loans | $86,160,330 | 3,727 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,037 |
| Cost of funding earning assets | 0.2335% | 5,181 |
| Net interest margin | 3.5598% | 3,179 |
| Noninterest income to average assets | 0.6355% | 2,468 |
| Noninterest expense to average assets | 2.6507% | 3,746 |
| Loan and lease loss provision to assets | 0.0031% | 3,668 |
| Net operating income to assets | 0.9022% | 2,733 |
| Return on assets (ROA) | 0.9022% | 2,857 |
| Pretax return on assets | 1.2897% | 2,333 |
| Return on Equity (ROE) | 6.4341% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.3728% | 2,848 |
| Net charge-offs to loans | 0.0141% | 2,892 |
| Credit loss provision to net charge-offs | 33.3333% | 2,246 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 380 |
| Efficiency ratio | 67.2170% | 3,953 |
| Assets per employee ($millions) | 3.5313% | 4,842 |
| Cash dividends to net income (ytd only)* | 16.4948% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,545 |
| Loan loss allowance to noncurrent loans | 43.4757% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 1,977 |
| Noncurrent loans to loans | 1.9704% | 1,332 |
| Net loans and leases to total assets | 64.9263% | 2,953 |
| Net loans and leases to deposits | 76.3867% | 3,005 |
| Net loans and leases to core deposits | 79.7406% | 3,198 |
| Total domestic deposits to total assets | 84.9968% | 3,406 |
| Equity capital to assets | 13.9516% | 999 |
| Core capital (leverage) ratio | 14.2732% | 747 |
| Tier 1 risk-based capital ratio | 21.2102% | 1,378 |
| Total risk-based capital ratio | 22.0638% | 1,427 |
| Memoranda: | ||
| Average total assets | $129,023,500 | 4,008 |
| Average earning assets | $119,894,500 | 3,977 |
| Average equity | $18,091,000 | 3,434 |
| Average total loans | $85,162,000 | 3,770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 4,293 |
| Cost of funding earning assets | 0.2438% | 5,389 |
| Net interest margin | 3.6126% | 3,367 |
| Noninterest income to average assets | 0.7384% | 2,128 |
| Noninterest expense to average assets | 2.6987% | 3,866 |
| Loan and lease loss provision to assets | 0.1143% | 2,262 |
| Net operating income to assets | 0.8765% | 2,989 |
| Return on assets (ROA) | 0.8765% | 3,075 |
| Pretax return on assets | 1.2672% | 2,360 |
| Return on Equity (ROE) | 6.2803% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.6420% | 2,866 |
| Net charge-offs to loans | 0.1467% | 2,572 |
| Credit loss provision to net charge-offs | 121.0084% | 1,981 |
| Earnings coverage of net charge-offs (x) | 14.6218% | 2,145 |
| Efficiency ratio | 66.1413% | 4,221 |
| Assets per employee ($millions) | 3.3523% | 5,160 |
| Cash dividends to net income (ytd only)* | 26.0870% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,577 |
| Loan loss allowance to noncurrent loans | 50.5502% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 2,379 |
| Noncurrent loans to loans | 1.7155% | 1,700 |
| Net loans and leases to total assets | 65.9591% | 2,891 |
| Net loans and leases to deposits | 77.6799% | 3,009 |
| Net loans and leases to core deposits | 80.7939% | 3,211 |
| Total domestic deposits to total assets | 84.9115% | 3,325 |
| Equity capital to assets | 14.0932% | 925 |
| Core capital (leverage) ratio | 13.8986% | 839 |
| Tier 1 risk-based capital ratio | 21.3832% | 1,327 |
| Total risk-based capital ratio | 22.2578% | 1,368 |
| Memoranda: | ||
| Average total assets | $125,951,800 | 4,063 |
| Average earning assets | $116,509,200 | 4,042 |
| Average equity | $17,578,800 | 3,443 |
| Average total loans | $81,114,400 | 3,846 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,478 |
| Cost of funding earning assets | 0.2473% | 5,436 |
| Net interest margin | 3.5710% | 3,546 |
| Noninterest income to average assets | 0.7219% | 2,217 |
| Noninterest expense to average assets | 2.7283% | 3,722 |
| Loan and lease loss provision to assets | 0.0934% | 2,491 |
| Net operating income to assets | 0.8365% | 3,250 |
| Return on assets (ROA) | 0.8365% | 3,340 |
| Pretax return on assets | 1.1964% | 2,790 |
| Return on Equity (ROE) | 6.0087% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.5447% | 3,411 |
| Net charge-offs to loans | 0.0881% | 2,952 |
| Credit loss provision to net charge-offs | 166.0377% | 1,481 |
| Earnings coverage of net charge-offs (x) | 22.9261% | 1,613 |
| Efficiency ratio | 67.8996% | 3,874 |
| Assets per employee ($millions) | 3.3764% | 5,084 |
| Cash dividends to net income (ytd only)* | 24.3651% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 5,652 |
| Loan loss allowance to noncurrent loans | 52.6130% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 2,649 |
| Noncurrent loans to loans | 1.6771% | 1,945 |
| Net loans and leases to total assets | 65.2261% | 2,994 |
| Net loans and leases to deposits | 76.6638% | 3,109 |
| Net loans and leases to core deposits | 79.8654% | 3,325 |
| Total domestic deposits to total assets | 85.0806% | 3,310 |
| Equity capital to assets | 13.8742% | 1,049 |
| Core capital (leverage) ratio | 14.0786% | 824 |
| Tier 1 risk-based capital ratio | 21.2446% | 1,398 |
| Total risk-based capital ratio | 22.1363% | 1,452 |
| Memoranda: | ||
| Average total assets | $125,592,750 | 4,103 |
| Average earning assets | $115,932,000 | 4,093 |
| Average equity | $17,485,250 | 3,474 |
| Average total loans | $80,203,250 | 3,894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 4,602 |
| Cost of funding earning assets | 0.2487% | 5,501 |
| Net interest margin | 3.5277% | 3,666 |
| Noninterest income to average assets | 0.7042% | 2,258 |
| Noninterest expense to average assets | 2.7540% | 3,687 |
| Loan and lease loss provision to assets | 0.0545% | 3,210 |
| Net operating income to assets | 0.8020% | 3,322 |
| Return on assets (ROA) | 0.8020% | 3,428 |
| Pretax return on assets | 1.1485% | 2,891 |
| Return on Equity (ROE) | 5.7537% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,566 |
| Net charge-offs to loans | 0.0888% | 2,796 |
| Credit loss provision to net charge-offs | 97.1429% | 2,059 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,546 |
| Efficiency ratio | 69.5987% | 3,722 |
| Assets per employee ($millions) | 3.3174% | 5,225 |
| Cash dividends to net income (ytd only)* | 28.8000% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 5,846 |
| Loan loss allowance to noncurrent loans | 52.4796% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 2,926 |
| Noncurrent loans to loans | 1.6383% | 2,124 |
| Net loans and leases to total assets | 64.8541% | 2,934 |
| Net loans and leases to deposits | 76.2431% | 3,024 |
| Net loans and leases to core deposits | 79.7186% | 3,244 |
| Total domestic deposits to total assets | 85.0622% | 3,472 |
| Equity capital to assets | 13.9264% | 999 |
| Core capital (leverage) ratio | 14.1877% | 775 |
| Tier 1 risk-based capital ratio | 21.2269% | 1,402 |
| Total risk-based capital ratio | 22.0864% | 1,459 |
| Memoranda: | ||
| Average total assets | $124,689,330 | 4,142 |
| Average earning assets | $114,977,000 | 4,125 |
| Average equity | $17,380,000 | 3,482 |
| Average total loans | $78,793,670 | 3,948 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,719 |
| Cost of funding earning assets | 0.2477% | 5,600 |
| Net interest margin | 3.4893% | 3,744 |
| Noninterest income to average assets | 0.6516% | 2,452 |
| Noninterest expense to average assets | 2.7322% | 3,826 |
| Loan and lease loss provision to assets | 0.0097% | 3,701 |
| Net operating income to assets | 0.7839% | 3,233 |
| Return on assets (ROA) | 0.7839% | 3,315 |
| Pretax return on assets | 1.1355% | 2,743 |
| Return on Equity (ROE) | 5.6211% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.5108% | 3,413 |
| Net charge-offs to loans | 0.0728% | 2,421 |
| Credit loss provision to net charge-offs | 21.4286% | 2,487 |
| Earnings coverage of net charge-offs (x) | 25.3571% | 1,158 |
| Efficiency ratio | 70.4659% | 3,748 |
| Assets per employee ($millions) | 3.2040% | 5,513 |
| Cash dividends to net income (ytd only)* | 19.7531% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 5,861 |
| Loan loss allowance to noncurrent loans | 57.3421% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 3,310 |
| Noncurrent loans to loans | 1.5735% | 2,456 |
| Net loans and leases to total assets | 61.4371% | 3,323 |
| Net loans and leases to deposits | 72.2371% | 3,310 |
| Net loans and leases to core deposits | 74.4740% | 3,594 |
| Total domestic deposits to total assets | 85.0493% | 3,840 |
| Equity capital to assets | 13.9024% | 953 |
| Core capital (leverage) ratio | 14.2020% | 757 |
| Tier 1 risk-based capital ratio | 22.7375% | 1,177 |
| Total risk-based capital ratio | 23.6536% | 1,204 |
| Memoranda: | ||
| Average total assets | $124,002,500 | 4,194 |
| Average earning assets | $114,635,500 | 4,162 |
| Average equity | $17,292,000 | 3,507 |
| Average total loans | $76,957,500 | 4,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 5,156 |
| Cost of funding earning assets | 0.2871% | 5,694 |
| Net interest margin | 3.4058% | 4,253 |
| Noninterest income to average assets | 0.7972% | 2,089 |
| Noninterest expense to average assets | 2.6616% | 4,234 |
| Loan and lease loss provision to assets | 0.1091% | 2,979 |
| Net operating income to assets | 0.8331% | 3,118 |
| Return on assets (ROA) | 0.8331% | 3,201 |
| Pretax return on assets | 1.1888% | 2,623 |
| Return on Equity (ROE) | 5.9382% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.5130% | 2,966 |
| Net charge-offs to loans | 0.1190% | 3,619 |
| Credit loss provision to net charge-offs | 155.9524% | 1,485 |
| Earnings coverage of net charge-offs (x) | 18.5476% | 1,647 |
| Efficiency ratio | 67.2207% | 4,340 |
| Assets per employee ($millions) | 3.1551% | 5,580 |
| Cash dividends to net income (ytd only)* | 24.0000% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 5,826 |
| Loan loss allowance to noncurrent loans | 66.2932% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 3,714 |
| Noncurrent loans to loans | 1.4010% | 2,791 |
| Net loans and leases to total assets | 61.5500% | 3,433 |
| Net loans and leases to deposits | 73.1593% | 3,375 |
| Net loans and leases to core deposits | 75.4140% | 3,679 |
| Total domestic deposits to total assets | 84.1314% | 4,112 |
| Equity capital to assets | 13.9880% | 900 |
| Core capital (leverage) ratio | 14.1117% | 801 |
| Tier 1 risk-based capital ratio | 22.3445% | 1,198 |
| Total risk-based capital ratio | 23.2694% | 1,231 |
| Memoranda: | ||
| Average total assets | $120,039,000 | 4,276 |
| Average earning assets | $111,456,000 | 4,233 |
| Average equity | $16,840,200 | 3,583 |
| Average total loans | $70,597,600 | 4,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 5,302 |
| Cost of funding earning assets | 0.2937% | 5,777 |
| Net interest margin | 3.3546% | 4,447 |
| Noninterest income to average assets | 0.7701% | 2,280 |
| Noninterest expense to average assets | 2.6457% | 4,221 |
| Loan and lease loss provision to assets | 0.0503% | 4,010 |
| Net operating income to assets | 0.8282% | 3,205 |
| Return on assets (ROA) | 0.8282% | 3,325 |
| Pretax return on assets | 1.1893% | 2,748 |
| Return on Equity (ROE) | 5.8994% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.9041% | 3,148 |
| Net charge-offs to loans | 0.1215% | 3,331 |
| Credit loss provision to net charge-offs | 71.4286% | 3,043 |
| Earnings coverage of net charge-offs (x) | 17.6027% | 1,725 |
| Efficiency ratio | 68.0955% | 4,082 |
| Assets per employee ($millions) | 3.1002% | 5,674 |
| Cash dividends to net income (ytd only)* | 16.8688% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 6,148 |
| Loan loss allowance to noncurrent loans | 67.7521% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 3,837 |
| Noncurrent loans to loans | 1.2757% | 3,275 |
| Net loans and leases to total assets | 61.1872% | 3,494 |
| Net loans and leases to deposits | 72.1444% | 3,496 |
| Net loans and leases to core deposits | 74.4016% | 3,793 |
| Total domestic deposits to total assets | 84.8122% | 3,836 |
| Equity capital to assets | 14.0837% | 945 |
| Core capital (leverage) ratio | 14.1196% | 840 |
| Tier 1 risk-based capital ratio | 22.5525% | 1,216 |
| Total risk-based capital ratio | 23.4077% | 1,273 |
| Memoranda: | ||
| Average total assets | $119,286,750 | 4,332 |
| Average earning assets | $110,771,250 | 4,285 |
| Average equity | $16,747,250 | 3,640 |
| Average total loans | $69,135,500 | 4,333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 5,477 |
| Cost of funding earning assets | 0.3010% | 5,821 |
| Net interest margin | 3.2860% | 4,636 |
| Noninterest income to average assets | 0.7444% | 2,441 |
| Noninterest expense to average assets | 2.6881% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7882% | 3,361 |
| Return on assets (ROA) | 0.7882% | 3,523 |
| Pretax return on assets | 1.1082% | 3,064 |
| Return on Equity (ROE) | 5.6204% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.6957% | 3,264 |
| Net charge-offs to loans | 0.0624% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,115 |
| Efficiency ratio | 70.8075% | 3,674 |
| Assets per employee ($millions) | 3.4240% | 5,011 |
| Cash dividends to net income (ytd only)* | 16.4530% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,055 |
| Loan loss allowance to noncurrent loans | 58.0995% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 3,620 |
| Noncurrent loans to loans | 1.5982% | 2,913 |
| Net loans and leases to total assets | 57.1574% | 4,115 |
| Net loans and leases to deposits | 67.2763% | 4,103 |
| Net loans and leases to core deposits | 70.0697% | 4,271 |
| Total domestic deposits to total assets | 84.9592% | 3,907 |
| Equity capital to assets | 13.9602% | 980 |
| Core capital (leverage) ratio | 14.1522% | 785 |
| Tier 1 risk-based capital ratio | 23.8368% | 1,017 |
| Total risk-based capital ratio | 24.7486% | 1,042 |
| Memoranda: | ||
| Average total assets | $118,747,000 | 4,375 |
| Average earning assets | $110,286,670 | 4,332 |
| Average equity | $16,653,670 | 3,677 |
| Average total loans | $67,306,000 | 4,411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 5,515 |
| Cost of funding earning assets | 0.3131% | 5,864 |
| Net interest margin | 3.2623% | 4,670 |
| Noninterest income to average assets | 0.7208% | 2,480 |
| Noninterest expense to average assets | 2.7547% | 3,853 |
| Loan and lease loss provision to assets | 0.0237% | 4,172 |
| Net operating income to assets | 0.6937% | 3,720 |
| Return on assets (ROA) | 0.6937% | 3,865 |
| Pretax return on assets | 0.9746% | 3,462 |
| Return on Equity (ROE) | 4.9352% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.2370% | 3,686 |
| Net charge-offs to loans | 0.1446% | 2,540 |
| Credit loss provision to net charge-offs | 29.1667% | 2,900 |
| Earnings coverage of net charge-offs (x) | 12.2917% | 1,609 |
| Efficiency ratio | 73.3995% | 3,369 |
| Assets per employee ($millions) | 3.2111% | 5,604 |
| Cash dividends to net income (ytd only)* | 14.1463% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,070 |
| Loan loss allowance to noncurrent loans | 49.8842% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 3,508 |
| Noncurrent loans to loans | 1.9488% | 2,679 |
| Net loans and leases to total assets | 55.3858% | 4,186 |
| Net loans and leases to deposits | 65.2543% | 4,157 |
| Net loans and leases to core deposits | 67.7494% | 4,337 |
| Total domestic deposits to total assets | 84.8769% | 4,104 |
| Equity capital to assets | 14.0525% | 1,007 |
| Core capital (leverage) ratio | 14.1523% | 757 |
| Tier 1 risk-based capital ratio | 24.6288% | 938 |
| Total risk-based capital ratio | 25.5890% | 959 |
| Memoranda: | ||
| Average total assets | $118,200,000 | 4,435 |
| Average earning assets | $109,862,000 | 4,375 |
| Average equity | $16,615,500 | 3,727 |
| Average total loans | $66,389,000 | 4,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 6,215 |
| Cost of funding earning assets | 0.3670% | 6,120 |
| Net interest margin | 3.2407% | 5,455 |
| Noninterest income to average assets | 0.8078% | 2,232 |
| Noninterest expense to average assets | 2.5674% | 4,873 |
| Loan and lease loss provision to assets | 0.1254% | 4,051 |
| Net operating income to assets | 0.7859% | 3,345 |
| Return on assets (ROA) | 0.7859% | 3,596 |
| Pretax return on assets | 1.1242% | 3,068 |
| Return on Equity (ROE) | 5.3365% | 4,510 |
| Retained earnings to average equity (ytd only) | -5.1651% | 6,438 |
| Net charge-offs to loans | 0.2058% | 3,735 |
| Credit loss provision to net charge-offs | 114.6154% | 2,534 |
| Earnings coverage of net charge-offs (x) | 11.4231% | 2,032 |
| Efficiency ratio | 67.2619% | 4,277 |
| Assets per employee ($millions) | 3.1781% | 5,679 |
| Cash dividends to net income (ytd only)* | 196.7880% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,960 |
| Loan loss allowance to noncurrent loans | 52.0408% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2093% | 3,641 |
| Noncurrent loans to loans | 1.9208% | 2,783 |
| Net loans and leases to total assets | 55.8424% | 4,320 |
| Net loans and leases to deposits | 65.7850% | 4,317 |
| Net loans and leases to core deposits | 68.3260% | 4,502 |
| Total domestic deposits to total assets | 84.8862% | 3,910 |
| Equity capital to assets | 14.0618% | 1,024 |
| Core capital (leverage) ratio | 13.9310% | 822 |
| Tier 1 risk-based capital ratio | 24.1546% | 951 |
| Total risk-based capital ratio | 25.1315% | 965 |
| Memoranda: | ||
| Average total assets | $118,837,600 | 4,385 |
| Average earning assets | $110,345,400 | 4,331 |
| Average equity | $17,502,200 | 3,534 |
| Average total loans | $63,162,600 | 4,592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 6,413 |
| Cost of funding earning assets | 0.3792% | 6,234 |
| Net interest margin | 3.2061% | 5,685 |
| Noninterest income to average assets | 0.7822% | 2,321 |
| Noninterest expense to average assets | 2.5547% | 4,902 |
| Loan and lease loss provision to assets | 0.0671% | 4,848 |
| Net operating income to assets | 0.7945% | 3,478 |
| Return on assets (ROA) | 0.7945% | 3,719 |
| Pretax return on assets | 1.1403% | 3,196 |
| Return on Equity (ROE) | 5.3350% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.8247% | 4,195 |
| Net charge-offs to loans | 0.1219% | 4,155 |
| Credit loss provision to net charge-offs | 105.2632% | 2,788 |
| Earnings coverage of net charge-offs (x) | 18.9293% | 1,525 |
| Efficiency ratio | 67.9060% | 4,085 |
| Assets per employee ($millions) | 3.2664% | 5,509 |
| Cash dividends to net income (ytd only)* | 28.3096% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,079 |
| Loan loss allowance to noncurrent loans | 51.8014% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2147% | 3,863 |
| Noncurrent loans to loans | 1.9317% | 2,922 |
| Net loans and leases to total assets | 52.9639% | 4,919 |
| Net loans and leases to deposits | 63.0299% | 4,836 |
| Net loans and leases to core deposits | 65.4312% | 5,010 |
| Total domestic deposits to total assets | 84.0298% | 4,206 |
| Equity capital to assets | 14.8822% | 852 |
| Core capital (leverage) ratio | 14.8913% | 630 |
| Tier 1 risk-based capital ratio | 26.7001% | 761 |
| Total risk-based capital ratio | 27.6702% | 773 |
| Memoranda: | ||
| Average total assets | $119,150,000 | 4,419 |
| Average earning assets | $110,744,000 | 4,370 |
| Average equity | $17,744,000 | 3,541 |
| Average total loans | $62,371,500 | 4,668 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 6,500 |
| Cost of funding earning assets | 0.3942% | 6,300 |
| Net interest margin | 3.1969% | 5,749 |
| Noninterest income to average assets | 0.7876% | 2,244 |
| Noninterest expense to average assets | 2.6058% | 4,758 |
| Loan and lease loss provision to assets | 0.0573% | 4,944 |
| Net operating income to assets | 0.7623% | 3,546 |
| Return on assets (ROA) | 0.7623% | 3,813 |
| Pretax return on assets | 1.0929% | 3,329 |
| Return on Equity (ROE) | 5.1179% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.2461% | 3,782 |
| Net charge-offs to loans | 0.1591% | 3,648 |
| Credit loss provision to net charge-offs | 69.3878% | 3,576 |
| Earnings coverage of net charge-offs (x) | 13.9184% | 1,751 |
| Efficiency ratio | 69.3758% | 3,874 |
| Assets per employee ($millions) | 3.3476% | 5,336 |
| Cash dividends to net income (ytd only)* | 17.0354% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,210 |
| Loan loss allowance to noncurrent loans | 71.5586% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 4,571 |
| Noncurrent loans to loans | 1.3795% | 3,853 |
| Net loans and leases to total assets | 52.3533% | 5,050 |
| Net loans and leases to deposits | 62.1988% | 4,973 |
| Net loans and leases to core deposits | 64.4052% | 5,163 |
| Total domestic deposits to total assets | 84.1709% | 4,245 |
| Equity capital to assets | 14.8068% | 829 |
| Core capital (leverage) ratio | 14.8679% | 618 |
| Tier 1 risk-based capital ratio | 26.6376% | 757 |
| Total risk-based capital ratio | 27.5857% | 766 |
| Memoranda: | ||
| Average total assets | $118,581,330 | 4,454 |
| Average earning assets | $110,106,670 | 4,411 |
| Average equity | $17,663,330 | 3,546 |
| Average total loans | $61,609,670 | 4,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 6,537 |
| Cost of funding earning assets | 0.4109% | 6,351 |
| Net interest margin | 3.2212% | 5,730 |
| Noninterest income to average assets | 0.7822% | 2,251 |
| Noninterest expense to average assets | 2.5949% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8094% | 3,334 |
| Return on assets (ROA) | 0.8094% | 3,572 |
| Pretax return on assets | 1.1733% | 3,015 |
| Return on Equity (ROE) | 5.4174% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.7573% | 3,703 |
| Net charge-offs to loans | -0.1189% | 6,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8628% | 4,005 |
| Assets per employee ($millions) | 3.2825% | 5,604 |
| Cash dividends to net income (ytd only)* | 12.1849% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,932 |
| Loan loss allowance to noncurrent loans | 65.6095% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 4,566 |
| Noncurrent loans to loans | 1.6621% | 3,608 |
| Net loans and leases to total assets | 50.8111% | 5,188 |
| Net loans and leases to deposits | 60.5142% | 5,093 |
| Net loans and leases to core deposits | 62.7059% | 5,255 |
| Total domestic deposits to total assets | 83.9656% | 4,507 |
| Equity capital to assets | 14.9538% | 755 |
| Core capital (leverage) ratio | 15.0745% | 589 |
| Tier 1 risk-based capital ratio | 27.4858% | 685 |
| Total risk-based capital ratio | 28.5252% | 692 |
| Memoranda: | ||
| Average total assets | $117,616,000 | 4,505 |
| Average earning assets | $109,027,500 | 4,458 |
| Average equity | $17,573,000 | 3,559 |
| Average total loans | $60,554,000 | 4,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 6,636 |
| Cost of funding earning assets | 0.5434% | 6,369 |
| Net interest margin | 3.3391% | 5,685 |
| Noninterest income to average assets | 0.7775% | 2,180 |
| Noninterest expense to average assets | 2.7627% | 4,498 |
| Loan and lease loss provision to assets | 0.0416% | 6,056 |
| Net operating income to assets | 0.7878% | 3,093 |
| Return on assets (ROA) | 0.7878% | 3,254 |
| Pretax return on assets | 1.0857% | 2,893 |
| Return on Equity (ROE) | 5.2658% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.1526% | 4,685 |
| Net charge-offs to loans | 0.2682% | 4,087 |
| Credit loss provision to net charge-offs | 30.1887% | 5,781 |
| Earnings coverage of net charge-offs (x) | 8.1887% | 2,196 |
| Efficiency ratio | 71.0216% | 3,779 |
| Assets per employee ($millions) | 3.1638% | 5,785 |
| Cash dividends to net income (ytd only)* | 59.1209% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 5,939 |
| Loan loss allowance to noncurrent loans | 70.7692% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 4,850 |
| Noncurrent loans to loans | 1.5066% | 3,888 |
| Net loans and leases to total assets | 51.0486% | 5,456 |
| Net loans and leases to deposits | 60.7970% | 5,395 |
| Net loans and leases to core deposits | 62.5889% | 5,591 |
| Total domestic deposits to total assets | 83.9656% | 4,328 |
| Equity capital to assets | 14.9281% | 799 |
| Core capital (leverage) ratio | 14.8972% | 618 |
| Tier 1 risk-based capital ratio | 27.1423% | 703 |
| Total risk-based capital ratio | 28.1529% | 693 |
| Memoranda: | ||
| Average total assets | $115,504,400 | 4,513 |
| Average earning assets | $107,664,200 | 4,456 |
| Average equity | $17,281,400 | 3,536 |
| Average total loans | $59,282,400 | 4,891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 6,734 |
| Cost of funding earning assets | 0.5749% | 6,406 |
| Net interest margin | 3.3217% | 5,798 |
| Noninterest income to average assets | 0.7482% | 2,324 |
| Noninterest expense to average assets | 2.8435% | 4,179 |
| Loan and lease loss provision to assets | 0.0440% | 5,889 |
| Net operating income to assets | 0.7112% | 3,551 |
| Return on assets (ROA) | 0.7112% | 3,723 |
| Pretax return on assets | 0.9660% | 3,534 |
| Return on Equity (ROE) | 4.7505% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.0367% | 5,598 |
| Net charge-offs to loans | 0.2960% | 3,611 |
| Credit loss provision to net charge-offs | 29.0076% | 5,424 |
| Earnings coverage of net charge-offs (x) | 6.6566% | 2,513 |
| Efficiency ratio | 73.7902% | 3,221 |
| Assets per employee ($millions) | 3.0527% | 6,006 |
| Cash dividends to net income (ytd only)* | 78.1750% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,819 |
| Loan loss allowance to noncurrent loans | 73.8839% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 4,983 |
| Noncurrent loans to loans | 1.5136% | 4,018 |
| Net loans and leases to total assets | 50.4590% | 5,644 |
| Net loans and leases to deposits | 60.1255% | 5,614 |
| Net loans and leases to core deposits | 62.3472% | 5,789 |
| Total domestic deposits to total assets | 83.9228% | 4,267 |
| Equity capital to assets | 14.8789% | 885 |
| Core capital (leverage) ratio | 14.7670% | 711 |
| Tier 1 risk-based capital ratio | 27.3877% | 705 |
| Total risk-based capital ratio | 28.4506% | 710 |
| Memoranda: | ||
| Average total assets | $115,115,250 | 4,550 |
| Average earning assets | $107,612,000 | 4,491 |
| Average equity | $17,233,000 | 3,547 |
| Average total loans | $59,002,500 | 4,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 6,799 |
| Cost of funding earning assets | 0.6101% | 6,408 |
| Net interest margin | 3.2943% | 5,876 |
| Noninterest income to average assets | 0.7002% | 2,551 |
| Noninterest expense to average assets | 2.8375% | 4,279 |
| Loan and lease loss provision to assets | 0.0105% | 6,135 |
| Net operating income to assets | 0.6654% | 3,712 |
| Return on assets (ROA) | 0.6654% | 3,836 |
| Pretax return on assets | 0.9371% | 3,482 |
| Return on Equity (ROE) | 4.4357% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.4371% | 4,072 |
| Net charge-offs to loans | 0.2240% | 3,779 |
| Credit loss provision to net charge-offs | 9.0909% | 5,256 |
| Earnings coverage of net charge-offs (x) | 8.2424% | 2,091 |
| Efficiency ratio | 74.9655% | 3,184 |
| Assets per employee ($millions) | 3.0662% | 5,941 |
| Cash dividends to net income (ytd only)* | 22.5131% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,608 |
| Loan loss allowance to noncurrent loans | 56.7810% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 4,518 |
| Noncurrent loans to loans | 2.0892% | 3,363 |
| Net loans and leases to total assets | 49.6850% | 5,863 |
| Net loans and leases to deposits | 59.2266% | 5,804 |
| Net loans and leases to core deposits | 61.4039% | 5,958 |
| Total domestic deposits to total assets | 83.8898% | 4,398 |
| Equity capital to assets | 14.9447% | 836 |
| Core capital (leverage) ratio | 14.9207% | 683 |
| Tier 1 risk-based capital ratio | 27.8461% | 669 |
| Total risk-based capital ratio | 28.9699% | 662 |
| Memoranda: | ||
| Average total assets | $114,819,330 | 4,592 |
| Average earning assets | $107,520,000 | 4,520 |
| Average equity | $17,224,000 | 3,538 |
| Average total loans | $58,938,000 | 5,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 6,776 |
| Cost of funding earning assets | 0.6461% | 6,396 |
| Net interest margin | 3.2977% | 5,788 |
| Noninterest income to average assets | 0.7300% | 2,390 |
| Noninterest expense to average assets | 2.9411% | 3,887 |
| Loan and lease loss provision to assets | 0.0035% | 5,816 |
| Net operating income to assets | 0.6388% | 3,812 |
| Return on assets (ROA) | 0.6388% | 3,883 |
| Pretax return on assets | 0.8844% | 3,563 |
| Return on Equity (ROE) | 4.2500% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.5728% | 4,043 |
| Net charge-offs to loans | 0.1353% | 3,706 |
| Credit loss provision to net charge-offs | 5.0000% | 4,429 |
| Earnings coverage of net charge-offs (x) | 12.6500% | 1,486 |
| Efficiency ratio | 76.8103% | 3,013 |
| Assets per employee ($millions) | 3.0199% | 6,113 |
| Cash dividends to net income (ytd only)* | 15.9341% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,374 |
| Loan loss allowance to noncurrent loans | 49.9661% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4369% | 4,113 |
| Noncurrent loans to loans | 2.5054% | 2,976 |
| Net loans and leases to total assets | 50.5899% | 5,769 |
| Net loans and leases to deposits | 60.3317% | 5,691 |
| Net loans and leases to core deposits | 62.5806% | 5,870 |
| Total domestic deposits to total assets | 83.8530% | 4,546 |
| Equity capital to assets | 14.9959% | 771 |
| Core capital (leverage) ratio | 15.2072% | 623 |
| Tier 1 risk-based capital ratio | 27.7754% | 652 |
| Total risk-based capital ratio | 28.9724% | 635 |
| Memoranda: | ||
| Average total assets | $113,971,000 | 4,647 |
| Average earning assets | $107,105,500 | 4,553 |
| Average equity | $17,129,500 | 3,545 |
| Average total loans | $59,114,000 | 5,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 6,636 |
| Cost of funding earning assets | 0.8690% | 6,302 |
| Net interest margin | 3.5187% | 5,171 |
| Noninterest income to average assets | 0.8693% | 1,980 |
| Noninterest expense to average assets | 2.9046% | 4,209 |
| Loan and lease loss provision to assets | 0.1538% | 5,667 |
| Net operating income to assets | 0.8238% | 2,697 |
| Return on assets (ROA) | 0.8238% | 2,838 |
| Pretax return on assets | 1.1132% | 2,530 |
| Return on Equity (ROE) | 5.3657% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.3400% | 2,800 |
| Net charge-offs to loans | 0.1082% | 5,792 |
| Credit loss provision to net charge-offs | 268.2540% | 1,036 |
| Earnings coverage of net charge-offs (x) | 22.0952% | 938 |
| Efficiency ratio | 69.6269% | 4,256 |
| Assets per employee ($millions) | 2.9785% | 6,151 |
| Cash dividends to net income (ytd only)* | 19.1160% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 5,161 |
| Loan loss allowance to noncurrent loans | 46.0366% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.5585% | 3,969 |
| Noncurrent loans to loans | 2.7593% | 2,759 |
| Net loans and leases to total assets | 51.8457% | 5,927 |
| Net loans and leases to deposits | 61.8085% | 5,862 |
| Net loans and leases to core deposits | 64.1484% | 6,039 |
| Total domestic deposits to total assets | 83.8811% | 4,409 |
| Equity capital to assets | 15.0640% | 768 |
| Core capital (leverage) ratio | 15.0894% | 649 |
| Tier 1 risk-based capital ratio | 27.1421% | 665 |
| Total risk-based capital ratio | 28.3529% | 660 |
| Memoranda: | ||
| Average total assets | $109,859,000 | 4,716 |
| Average earning assets | $103,106,200 | 4,636 |
| Average equity | $16,866,400 | 3,615 |
| Average total loans | $58,229,800 | 5,144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 6,719 |
| Cost of funding earning assets | 0.8979% | 6,400 |
| Net interest margin | 3.5537% | 5,090 |
| Noninterest income to average assets | 0.8511% | 1,995 |
| Noninterest expense to average assets | 2.8677% | 4,216 |
| Loan and lease loss provision to assets | 0.1345% | 5,683 |
| Net operating income to assets | 0.8646% | 2,766 |
| Return on assets (ROA) | 0.8646% | 2,896 |
| Pretax return on assets | 1.1887% | 2,531 |
| Return on Equity (ROE) | 5.6041% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.6925% | 3,202 |
| Net charge-offs to loans | 0.0253% | 6,320 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 98.3388% | 313 |
| Efficiency ratio | 68.4272% | 4,384 |
| Assets per employee ($millions) | 2.9463% | 6,274 |
| Cash dividends to net income (ytd only)* | 16.2660% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 5,051 |
| Loan loss allowance to noncurrent loans | 37.9888% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 3,582 |
| Noncurrent loans to loans | 3.3747% | 2,362 |
| Net loans and leases to total assets | 51.4447% | 6,166 |
| Net loans and leases to deposits | 61.5567% | 6,166 |
| Net loans and leases to core deposits | 63.9225% | 6,304 |
| Total domestic deposits to total assets | 83.5729% | 4,336 |
| Equity capital to assets | 15.2276% | 838 |
| Core capital (leverage) ratio | 15.2601% | 667 |
| Tier 1 risk-based capital ratio | 27.6779% | 648 |
| Total risk-based capital ratio | 28.9114% | 637 |
| Memoranda: | ||
| Average total assets | $109,027,750 | 4,797 |
| Average earning assets | $102,463,750 | 4,708 |
| Average equity | $16,820,500 | 3,673 |
| Average total loans | $57,928,250 | 5,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 6,749 |
| Cost of funding earning assets | 0.9202% | 6,499 |
| Net interest margin | 3.5627% | 4,988 |
| Noninterest income to average assets | 0.8422% | 1,913 |
| Noninterest expense to average assets | 2.8968% | 4,090 |
| Loan and lease loss provision to assets | 0.1962% | 4,906 |
| Net operating income to assets | 0.8385% | 2,785 |
| Return on assets (ROA) | 0.8385% | 2,941 |
| Pretax return on assets | 1.0958% | 2,798 |
| Return on Equity (ROE) | 5.4108% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.3836% | 3,286 |
| Net charge-offs to loans | 0.0727% | 5,417 |
| Credit loss provision to net charge-offs | 504.7619% | 729 |
| Earnings coverage of net charge-offs (x) | 33.2381% | 847 |
| Efficiency ratio | 69.1560% | 4,347 |
| Assets per employee ($millions) | 2.9319% | 6,295 |
| Cash dividends to net income (ytd only)* | 18.9845% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 5,124 |
| Loan loss allowance to noncurrent loans | 45.7036% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 3,956 |
| Noncurrent loans to loans | 2.7604% | 2,895 |
| Net loans and leases to total assets | 52.9558% | 6,109 |
| Net loans and leases to deposits | 63.5870% | 6,076 |
| Net loans and leases to core deposits | 66.1192% | 6,239 |
| Total domestic deposits to total assets | 83.2809% | 4,450 |
| Equity capital to assets | 15.5410% | 761 |
| Core capital (leverage) ratio | 15.3379% | 663 |
| Tier 1 risk-based capital ratio | 27.5602% | 663 |
| Total risk-based capital ratio | 28.7819% | 648 |
| Memoranda: | ||
| Average total assets | $108,050,000 | 4,858 |
| Average earning assets | $101,497,330 | 4,763 |
| Average equity | $16,744,330 | 3,674 |
| Average total loans | $57,789,000 | 5,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 6,828 |
| Cost of funding earning assets | 0.9463% | 6,596 |
| Net interest margin | 3.5330% | 5,024 |
| Noninterest income to average assets | 0.8124% | 1,957 |
| Noninterest expense to average assets | 2.9490% | 3,861 |
| Loan and lease loss provision to assets | 0.2040% | 4,461 |
| Net operating income to assets | 0.7716% | 3,095 |
| Return on assets (ROA) | 0.7716% | 3,212 |
| Pretax return on assets | 0.9830% | 3,153 |
| Return on Equity (ROE) | 4.9859% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.2908% | 3,569 |
| Net charge-offs to loans | -0.0278% | 7,168 |
| Credit loss provision to net charge-offs | -1,375.0000% | 6,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3004% | 4,069 |
| Assets per employee ($millions) | 2.9207% | 6,396 |
| Cash dividends to net income (ytd only)* | 13.9423% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 5,401 |
| Loan loss allowance to noncurrent loans | 41.2347% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 3,844 |
| Noncurrent loans to loans | 2.9561% | 2,719 |
| Net loans and leases to total assets | 53.0926% | 6,144 |
| Net loans and leases to deposits | 63.7316% | 6,077 |
| Net loans and leases to core deposits | 65.9104% | 6,289 |
| Total domestic deposits to total assets | 83.3065% | 4,471 |
| Equity capital to assets | 15.4702% | 773 |
| Core capital (leverage) ratio | 15.3707% | 673 |
| Tier 1 risk-based capital ratio | 27.2096% | 692 |
| Total risk-based capital ratio | 28.3862% | 684 |
| Memoranda: | ||
| Average total assets | $107,834,500 | 4,931 |
| Average earning assets | $101,443,500 | 4,837 |
| Average equity | $16,687,000 | 3,720 |
| Average total loans | $57,593,000 | 5,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 6,302 |
| Cost of funding earning assets | 1.2942% | 6,331 |
| Net interest margin | 3.7479% | 3,919 |
| Noninterest income to average assets | 0.9036% | 1,928 |
| Noninterest expense to average assets | 3.0528% | 3,936 |
| Loan and lease loss provision to assets | 0.1425% | 6,217 |
| Net operating income to assets | 0.8808% | 2,241 |
| Return on assets (ROA) | 0.8808% | 2,308 |
| Pretax return on assets | 1.2276% | 1,874 |
| Return on Equity (ROE) | 5.6264% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.8480% | 2,514 |
| Net charge-offs to loans | 0.1591% | 5,683 |
| Credit loss provision to net charge-offs | 168.5393% | 2,549 |
| Earnings coverage of net charge-offs (x) | 16.2022% | 1,265 |
| Efficiency ratio | 69.0226% | 4,823 |
| Assets per employee ($millions) | 2.8317% | 6,601 |
| Cash dividends to net income (ytd only)* | 31.6073% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,712 |
| Loan loss allowance to noncurrent loans | 36.1560% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 3,561 |
| Noncurrent loans to loans | 3.1434% | 2,439 |
| Net loans and leases to total assets | 52.4651% | 6,368 |
| Net loans and leases to deposits | 62.9329% | 6,367 |
| Net loans and leases to core deposits | 71.9123% | 6,666 |
| Total domestic deposits to total assets | 83.3666% | 4,349 |
| Equity capital to assets | 15.4791% | 795 |
| Core capital (leverage) ratio | 15.0135% | 790 |
| Tier 1 risk-based capital ratio | 26.9591% | 706 |
| Total risk-based capital ratio | 28.0396% | 701 |
| Memoranda: | ||
| Average total assets | $105,249,000 | 4,953 |
| Average earning assets | $98,829,000 | 4,870 |
| Average equity | $16,476,000 | 3,781 |
| Average total loans | $55,925,200 | 5,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 6,081 |
| Cost of funding earning assets | 1.3737% | 6,320 |
| Net interest margin | 3.7820% | 3,728 |
| Noninterest income to average assets | 0.8599% | 2,148 |
| Noninterest expense to average assets | 3.0294% | 3,934 |
| Loan and lease loss provision to assets | 0.1172% | 6,194 |
| Net operating income to assets | 0.9058% | 2,403 |
| Return on assets (ROA) | 0.9058% | 2,469 |
| Pretax return on assets | 1.2663% | 2,057 |
| Return on Equity (ROE) | 5.7695% | 3,621 |
| Retained earnings to average equity (ytd only) | 3.8625% | 3,133 |
| Net charge-offs to loans | 0.1342% | 5,357 |
| Credit loss provision to net charge-offs | 164.2857% | 2,865 |
| Earnings coverage of net charge-offs (x) | 19.3941% | 1,293 |
| Efficiency ratio | 68.6490% | 4,853 |
| Assets per employee ($millions) | 2.8697% | 6,479 |
| Cash dividends to net income (ytd only)* | 33.0524% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,752 |
| Loan loss allowance to noncurrent loans | 49.5238% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 4,367 |
| Noncurrent loans to loans | 2.2136% | 3,361 |
| Net loans and leases to total assets | 51.6250% | 6,638 |
| Net loans and leases to deposits | 61.7511% | 6,699 |
| Net loans and leases to core deposits | 70.7939% | 6,919 |
| Total domestic deposits to total assets | 83.6017% | 3,905 |
| Equity capital to assets | 15.2061% | 948 |
| Core capital (leverage) ratio | 14.8080% | 893 |
| Tier 1 risk-based capital ratio | 26.7871% | 766 |
| Total risk-based capital ratio | 27.8295% | 761 |
| Memoranda: | ||
| Average total assets | $104,660,500 | 4,999 |
| Average earning assets | $98,323,750 | 4,913 |
| Average equity | $16,431,000 | 3,827 |
| Average total loans | $55,630,750 | 5,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 5,627 |
| Cost of funding earning assets | 1.4773% | 6,233 |
| Net interest margin | 3.8295% | 3,417 |
| Noninterest income to average assets | 0.8508% | 2,178 |
| Noninterest expense to average assets | 3.0524% | 3,871 |
| Loan and lease loss provision to assets | 0.0058% | 7,131 |
| Net operating income to assets | 0.9845% | 2,165 |
| Return on assets (ROA) | 0.9845% | 2,263 |
| Pretax return on assets | 1.3896% | 1,754 |
| Return on Equity (ROE) | 6.2024% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.6751% | 3,250 |
| Net charge-offs to loans | 0.0543% | 5,733 |
| Credit loss provision to net charge-offs | 20.0000% | 6,125 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 703 |
| Efficiency ratio | 68.6275% | 5,046 |
| Assets per employee ($millions) | 2.9239% | 6,328 |
| Cash dividends to net income (ytd only)* | 40.7480% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,979 |
| Loan loss allowance to noncurrent loans | 55.6522% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 4,633 |
| Noncurrent loans to loans | 1.8638% | 3,711 |
| Net loans and leases to total assets | 50.7977% | 6,797 |
| Net loans and leases to deposits | 60.8259% | 6,828 |
| Net loans and leases to core deposits | 70.0724% | 7,015 |
| Total domestic deposits to total assets | 83.5133% | 4,009 |
| Equity capital to assets | 15.2204% | 982 |
| Core capital (leverage) ratio | 15.1604% | 883 |
| Tier 1 risk-based capital ratio | 26.9713% | 783 |
| Total risk-based capital ratio | 27.9508% | 778 |
| Memoranda: | ||
| Average total assets | $103,198,000 | 5,074 |
| Average earning assets | $96,931,000 | 4,975 |
| Average equity | $16,380,670 | 3,841 |
| Average total loans | $55,201,000 | 5,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5395% | 4,698 |
| Cost of funding earning assets | 1.5942% | 6,054 |
| Net interest margin | 3.9453% | 2,867 |
| Noninterest income to average assets | 0.8182% | 2,243 |
| Noninterest expense to average assets | 3.0426% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0407% | 2,164 |
| Return on assets (ROA) | 1.0407% | 2,295 |
| Pretax return on assets | 1.4816% | 1,722 |
| Return on Equity (ROE) | 6.4145% | 3,850 |
| Retained earnings to average equity (ytd only) | 3.1093% | 4,143 |
| Net charge-offs to loans | -0.0145% | 7,364 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2520% | 5,091 |
| Assets per employee ($millions) | 2.7591% | 6,743 |
| Cash dividends to net income (ytd only)* | 51.5267% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,623 |
| Loan loss allowance to noncurrent loans | 77.0235% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 4,752 |
| Noncurrent loans to loans | 1.3989% | 4,216 |
| Net loans and leases to total assets | 53.0581% | 6,574 |
| Net loans and leases to deposits | 64.2775% | 6,537 |
| Net loans and leases to core deposits | 74.1716% | 6,800 |
| Total domestic deposits to total assets | 82.5455% | 4,355 |
| Equity capital to assets | 16.0146% | 869 |
| Core capital (leverage) ratio | 15.8085% | 807 |
| Tier 1 risk-based capital ratio | 27.4634% | 790 |
| Total risk-based capital ratio | 28.4964% | 778 |
| Memoranda: | ||
| Average total assets | $100,705,000 | 5,162 |
| Average earning assets | $94,593,500 | 5,072 |
| Average equity | $16,338,000 | 3,879 |
| Average total loans | $55,036,000 | 5,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1723% | 4,654 |
| Cost of funding earning assets | 2.1571% | 5,794 |
| Net interest margin | 4.0153% | 3,049 |
| Noninterest income to average assets | 0.9058% | 1,935 |
| Noninterest expense to average assets | 2.9685% | 4,188 |
| Loan and lease loss provision to assets | 0.1375% | 5,600 |
| Net operating income to assets | 1.0493% | 2,352 |
| Return on assets (ROA) | 1.0493% | 2,249 |
| Pretax return on assets | 1.4947% | 1,701 |
| Return on Equity (ROE) | 6.7432% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.3984% | 1,810 |
| Net charge-offs to loans | 0.1873% | 4,324 |
| Credit loss provision to net charge-offs | 132.6923% | 4,013 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,909 |
| Efficiency ratio | 64.5224% | 5,447 |
| Assets per employee ($millions) | 2.6137% | 6,978 |
| Cash dividends to net income (ytd only)* | 19.9430% | 4,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,529 |
| Loan loss allowance to noncurrent loans | 67.1233% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 4,239 |
| Noncurrent loans to loans | 1.5836% | 3,403 |
| Net loans and leases to total assets | 55.1016% | 6,539 |
| Net loans and leases to deposits | 67.1065% | 6,544 |
| Net loans and leases to core deposits | 76.7940% | 6,810 |
| Total domestic deposits to total assets | 82.1107% | 4,154 |
| Equity capital to assets | 16.4385% | 851 |
| Core capital (leverage) ratio | 15.4936% | 925 |
| Tier 1 risk-based capital ratio | 27.3190% | 809 |
| Total risk-based capital ratio | 28.3514% | 800 |
| Memoranda: | ||
| Average total assets | $100,352,400 | 5,035 |
| Average earning assets | $92,347,600 | 5,017 |
| Average equity | $15,615,800 | 3,999 |
| Average total loans | $55,518,200 | 5,470 |