Home > CLB The Community Bank > Performance and Condition Ratios
CLB The Community Bank, 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 | 6.0979% | 1,060 |
| Cost of funding earning assets | 1.6259% | 2,909 |
| Net interest margin | 4.4720% | 652 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 2.7303% | 1,677 |
| Loan and lease loss provision to assets | 0.1900% | 635 |
| Net operating income to assets | 1.8619% | 564 |
| Return on assets (ROA) | 1.8619% | 562 |
| Pretax return on assets | 1.8619% | 865 |
| Return on Equity (ROE) | 18.7700% | 564 |
| Retained earnings to average equity (ytd only) | 14.8427% | 450 |
| Net charge-offs to loans | 0.0384% | 1,300 |
| Credit loss provision to net charge-offs | 681.8182% | 438 |
| Earnings coverage of net charge-offs (x) | 73.7727% | 828 |
| Efficiency ratio | 57.0975% | 3,293 |
| Assets per employee ($millions) | 5.4324% | 3,374 |
| Cash dividends to net income (ytd only)* | 20.9097% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,568 |
| Loan loss allowance to noncurrent loans | 45.6643% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 268 |
| Noncurrent loans to loans | 2.4763% | 314 |
| Net loans and leases to total assets | 70.2900% | 1,808 |
| Net loans and leases to deposits | 78.5219% | 2,186 |
| Net loans and leases to core deposits | 87.6427% | 2,210 |
| Total domestic deposits to total assets | 89.5100% | 984 |
| Equity capital to assets | 10.2243% | 2,090 |
| Core capital (leverage) ratio | 10.9369% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $316,451,500 | 2,404 |
| Average earning assets | $297,676,000 | 2,384 |
| Average equity | $31,396,000 | 2,366 |
| Average total loans | $228,947,500 | 2,225 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 844 |
| Cost of funding earning assets | 1.6809% | 2,992 |
| Net interest margin | 4.6836% | 503 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.9341% | 1,263 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.9631% | 415 |
| Return on assets (ROA) | 1.9631% | 418 |
| Pretax return on assets | 1.9631% | 639 |
| Return on Equity (ROE) | 20.4700% | 373 |
| Retained earnings to average equity (ytd only) | 10.2989% | 530 |
| Net charge-offs to loans | 0.1301% | 989 |
| Credit loss provision to net charge-offs | 153.5836% | 1,389 |
| Earnings coverage of net charge-offs (x) | 22.1809% | 1,756 |
| Efficiency ratio | 58.0051% | 3,360 |
| Assets per employee ($millions) | 5.4797% | 3,307 |
| Cash dividends to net income (ytd only)* | 49.6942% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,065 |
| Loan loss allowance to noncurrent loans | 53.4563% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 395 |
| Noncurrent loans to loans | 1.9235% | 421 |
| Net loans and leases to total assets | 72.8400% | 1,568 |
| Net loans and leases to deposits | 80.8899% | 2,059 |
| Net loans and leases to core deposits | 92.2150% | 1,960 |
| Total domestic deposits to total assets | 90.0400% | 804 |
| Equity capital to assets | 9.6208% | 2,360 |
| Core capital (leverage) ratio | 10.4343% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $308,137,400 | 2,427 |
| Average earning assets | $290,268,800 | 2,395 |
| Average equity | $29,546,800 | 2,391 |
| Average total loans | $225,244,600 | 2,205 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2963% | 893 |
| Cost of funding earning assets | 1.6410% | 3,077 |
| Net interest margin | 4.6554% | 515 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 2.6931% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.1998% | 324 |
| Return on assets (ROA) | 2.1998% | 331 |
| Pretax return on assets | 2.1998% | 486 |
| Return on Equity (ROE) | 22.9600% | 269 |
| Retained earnings to average equity (ytd only) | 17.3028% | 160 |
| Net charge-offs to loans | 0.0729% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 41.3443% | 1,316 |
| Efficiency ratio | 54.8355% | 3,656 |
| Assets per employee ($millions) | 5.3400% | 3,412 |
| Cash dividends to net income (ytd only)* | 24.6431% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 3,667 |
| Loan loss allowance to noncurrent loans | 100.3303% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 1,026 |
| Noncurrent loans to loans | 0.8959% | 1,119 |
| Net loans and leases to total assets | 74.3900% | 1,317 |
| Net loans and leases to deposits | 83.1618% | 1,872 |
| Net loans and leases to core deposits | 99.0061% | 1,553 |
| Total domestic deposits to total assets | 89.4600% | 759 |
| Equity capital to assets | 10.1952% | 2,167 |
| Core capital (leverage) ratio | 10.9865% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $305,716,500 | 2,432 |
| Average earning assets | $288,117,500 | 2,408 |
| Average equity | $29,289,250 | 2,401 |
| Average total loans | $223,082,000 | 2,206 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1807% | 938 |
| Cost of funding earning assets | 1.5299% | 3,230 |
| Net interest margin | 4.6508% | 522 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.7297% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.1606% | 358 |
| Return on assets (ROA) | 2.1606% | 353 |
| Pretax return on assets | 2.1606% | 511 |
| Return on Equity (ROE) | 23.0700% | 289 |
| Retained earnings to average equity (ytd only) | 16.4683% | 219 |
| Net charge-offs to loans | 0.0576% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 51.8889% | 1,093 |
| Efficiency ratio | 55.6021% | 3,613 |
| Assets per employee ($millions) | 5.0350% | 3,591 |
| Cash dividends to net income (ytd only)* | 28.6020% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,495 |
| Loan loss allowance to noncurrent loans | 84.1680% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 740 |
| Noncurrent loans to loans | 1.1333% | 801 |
| Net loans and leases to total assets | 72.6800% | 1,571 |
| Net loans and leases to deposits | 83.4973% | 1,891 |
| Net loans and leases to core deposits | 96.9917% | 1,674 |
| Total domestic deposits to total assets | 87.0400% | 1,642 |
| Equity capital to assets | 9.4726% | 2,407 |
| Core capital (leverage) ratio | 10.8243% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $302,602,000 | 2,441 |
| Average earning assets | $285,242,000 | 2,414 |
| Average equity | $28,345,333 | 2,423 |
| Average total loans | $218,605,667 | 2,229 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0872% | 954 |
| Cost of funding earning assets | 1.4320% | 3,344 |
| Net interest margin | 4.6551% | 494 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.7910% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.0939% | 384 |
| Return on assets (ROA) | 2.0939% | 393 |
| Pretax return on assets | 2.0939% | 560 |
| Return on Equity (ROE) | 22.4900% | 310 |
| Retained earnings to average equity (ytd only) | 17.9717% | 273 |
| Net charge-offs to loans | 0.0206% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 141.7273% | 543 |
| Efficiency ratio | 56.9150% | 3,529 |
| Assets per employee ($millions) | 4.7583% | 3,806 |
| Cash dividends to net income (ytd only)* | 20.0770% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,142 |
| Loan loss allowance to noncurrent loans | 82.5526% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 670 |
| Noncurrent loans to loans | 1.2497% | 657 |
| Net loans and leases to total assets | 71.6200% | 1,608 |
| Net loans and leases to deposits | 82.3518% | 1,855 |
| Net loans and leases to core deposits | 89.8737% | 2,056 |
| Total domestic deposits to total assets | 86.9700% | 1,783 |
| Equity capital to assets | 9.4299% | 2,375 |
| Core capital (leverage) ratio | 10.7188% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $297,816,500 | 2,475 |
| Average earning assets | $280,721,500 | 2,445 |
| Average equity | $27,732,500 | 2,460 |
| Average total loans | $213,374,500 | 2,256 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5790% | 1,058 |
| Cost of funding earning assets | 0.7990% | 3,735 |
| Net interest margin | 4.7799% | 427 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 3.1317% | 912 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 2.8213% | 184 |
| Return on assets (ROA) | 2.8213% | 184 |
| Pretax return on assets | 2.8213% | 247 |
| Return on Equity (ROE) | 31.5500% | 158 |
| Retained earnings to average equity (ytd only) | 16.0111% | 269 |
| Net charge-offs to loans | 0.0277% | 1,753 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 156.1296% | 691 |
| Efficiency ratio | 50.7737% | 3,925 |
| Assets per employee ($millions) | 4.6962% | 3,833 |
| Cash dividends to net income (ytd only)* | 49.2586% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 2,974 |
| Loan loss allowance to noncurrent loans | 140.9404% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 1,034 |
| Noncurrent loans to loans | 0.7602% | 1,025 |
| Net loans and leases to total assets | 70.1600% | 1,795 |
| Net loans and leases to deposits | 80.5334% | 2,058 |
| Net loans and leases to core deposits | 86.3618% | 2,286 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 9.1925% | 2,551 |
| Core capital (leverage) ratio | 10.4421% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $279,691,400 | 2,529 |
| Average earning assets | $262,576,000 | 2,508 |
| Average equity | $25,007,600 | 2,518 |
| Average total loans | $194,808,600 | 2,321 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 1,101 |
| Cost of funding earning assets | 0.6090% | 3,955 |
| Net interest margin | 4.8130% | 403 |
| Noninterest income to average assets | 1.8000% | 323 |
| Noninterest expense to average assets | 2.9273% | 1,181 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 3.3085% | 148 |
| Return on assets (ROA) | 3.3085% | 148 |
| Pretax return on assets | 3.3085% | 183 |
| Return on Equity (ROE) | 37.2800% | 142 |
| Retained earnings to average equity (ytd only) | 31.4952% | 78 |
| Net charge-offs to loans | 0.0370% | 1,363 |
| Credit loss provision to net charge-offs | 339.6226% | 816 |
| Earnings coverage of net charge-offs (x) | 132.4528% | 791 |
| Efficiency ratio | 46.1215% | 4,128 |
| Assets per employee ($millions) | 4.8095% | 3,731 |
| Cash dividends to net income (ytd only)* | 15.5263% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,717 |
| Loan loss allowance to noncurrent loans | 75.9855% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 631 |
| Noncurrent loans to loans | 1.1907% | 658 |
| Net loans and leases to total assets | 71.7000% | 1,614 |
| Net loans and leases to deposits | 82.7397% | 1,848 |
| Net loans and leases to core deposits | 87.3265% | 2,105 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 9.5783% | 2,053 |
| Core capital (leverage) ratio | 11.7592% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $275,648,750 | 2,554 |
| Average earning assets | $258,764,750 | 2,532 |
| Average equity | $24,460,250 | 2,537 |
| Average total loans | $191,058,250 | 2,351 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 1,082 |
| Cost of funding earning assets | 0.5004% | 3,975 |
| Net interest margin | 4.8003% | 407 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.8901% | 1,229 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.1707% | 373 |
| Return on assets (ROA) | 2.1707% | 365 |
| Pretax return on assets | 2.1707% | 557 |
| Return on Equity (ROE) | 25.1700% | 376 |
| Retained earnings to average equity (ytd only) | 18.3502% | 323 |
| Net charge-offs to loans | 0.0616% | 934 |
| Credit loss provision to net charge-offs | 157.8947% | 1,167 |
| Earnings coverage of net charge-offs (x) | 53.2456% | 1,253 |
| Efficiency ratio | 56.1386% | 3,400 |
| Assets per employee ($millions) | 4.5668% | 3,904 |
| Cash dividends to net income (ytd only)* | 27.0968% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,764 |
| Loan loss allowance to noncurrent loans | 70.5859% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 525 |
| Noncurrent loans to loans | 1.2849% | 554 |
| Net loans and leases to total assets | 71.5700% | 1,578 |
| Net loans and leases to deposits | 78.8856% | 2,055 |
| Net loans and leases to core deposits | 81.7899% | 2,351 |
| Total domestic deposits to total assets | 90.7300% | 720 |
| Equity capital to assets | 9.0210% | 2,505 |
| Core capital (leverage) ratio | 10.4402% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $271,341,667 | 2,581 |
| Average earning assets | $254,982,000 | 2,556 |
| Average equity | $23,400,333 | 2,601 |
| Average total loans | $185,150,333 | 2,392 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 1,211 |
| Cost of funding earning assets | 0.3889% | 3,994 |
| Net interest margin | 4.6214% | 493 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.9140% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1066% | 422 |
| Return on assets (ROA) | 2.1066% | 416 |
| Pretax return on assets | 2.1066% | 648 |
| Return on Equity (ROE) | 25.0100% | 405 |
| Retained earnings to average equity (ytd only) | 20.3505% | 354 |
| Net charge-offs to loans | 0.0313% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 101.5714% | 786 |
| Efficiency ratio | 58.0407% | 3,190 |
| Assets per employee ($millions) | 4.4418% | 4,055 |
| Cash dividends to net income (ytd only)* | 18.6357% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,699 |
| Loan loss allowance to noncurrent loans | 74.9571% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 532 |
| Noncurrent loans to loans | 1.2744% | 534 |
| Net loans and leases to total assets | 66.8900% | 1,956 |
| Net loans and leases to deposits | 73.3878% | 2,347 |
| Net loans and leases to core deposits | 75.5794% | 2,561 |
| Total domestic deposits to total assets | 91.1400% | 757 |
| Equity capital to assets | 8.6633% | 2,772 |
| Core capital (leverage) ratio | 10.2523% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $270,009,500 | 2,614 |
| Average earning assets | $254,034,500 | 2,586 |
| Average equity | $22,741,500 | 2,663 |
| Average total loans | $178,770,500 | 2,466 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 896 |
| Cost of funding earning assets | 0.2202% | 3,595 |
| Net interest margin | 4.1709% | 577 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.8102% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8394% | 399 |
| Return on assets (ROA) | 1.8394% | 382 |
| Pretax return on assets | 1.8394% | 663 |
| Return on Equity (ROE) | 22.3400% | 318 |
| Retained earnings to average equity (ytd only) | 12.1565% | 639 |
| Net charge-offs to loans | 0.0876% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.3819% | 1,603 |
| Efficiency ratio | 60.4395% | 2,993 |
| Assets per employee ($millions) | 4.4845% | 4,049 |
| Cash dividends to net income (ytd only)* | 45.5868% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,312 |
| Loan loss allowance to noncurrent loans | 109.6453% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 827 |
| Noncurrent loans to loans | 0.9206% | 804 |
| Net loans and leases to total assets | 64.2200% | 2,225 |
| Net loans and leases to deposits | 70.1329% | 2,571 |
| Net loans and leases to core deposits | 72.0207% | 2,723 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 8.1800% | 2,947 |
| Core capital (leverage) ratio | 9.5807% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $269,166,800 | 2,615 |
| Average earning assets | $253,804,400 | 2,589 |
| Average equity | $22,161,000 | 2,759 |
| Average total loans | $164,332,400 | 2,508 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 947 |
| Cost of funding earning assets | 0.2123% | 3,123 |
| Net interest margin | 3.9549% | 703 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5726% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8633% | 376 |
| Return on assets (ROA) | 1.8633% | 367 |
| Pretax return on assets | 1.8633% | 641 |
| Return on Equity (ROE) | 22.6000% | 270 |
| Retained earnings to average equity (ytd only) | 18.5651% | 141 |
| Net charge-offs to loans | 0.1154% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.8714% | 1,575 |
| Efficiency ratio | 57.9946% | 3,383 |
| Assets per employee ($millions) | 4.6167% | 3,964 |
| Cash dividends to net income (ytd only)* | 17.8363% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,524 |
| Loan loss allowance to noncurrent loans | 135.3257% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 1,119 |
| Noncurrent loans to loans | 0.7325% | 1,113 |
| Net loans and leases to total assets | 64.7600% | 2,007 |
| Net loans and leases to deposits | 70.5643% | 2,316 |
| Net loans and leases to core deposits | 72.6675% | 2,438 |
| Total domestic deposits to total assets | 91.7700% | 950 |
| Equity capital to assets | 7.9971% | 2,900 |
| Core capital (leverage) ratio | 9.7562% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $269,190,750 | 2,631 |
| Average earning assets | $253,756,500 | 2,610 |
| Average equity | $22,198,750 | 2,805 |
| Average total loans | $161,775,750 | 2,533 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 1,211 |
| Cost of funding earning assets | 0.2095% | 2,795 |
| Net interest margin | 3.6394% | 1,007 |
| Noninterest income to average assets | 0.7467% | 1,181 |
| Noninterest expense to average assets | 2.5876% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5933% | 556 |
| Return on assets (ROA) | 1.5933% | 544 |
| Pretax return on assets | 1.5933% | 954 |
| Return on Equity (ROE) | 19.1249% | 374 |
| Retained earnings to average equity (ytd only) | 15.0869% | 255 |
| Net charge-offs to loans | 0.1612% | 392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 16.9524% | 1,611 |
| Efficiency ratio | 61.8912% | 3,058 |
| Assets per employee ($millions) | 4.8878% | 3,782 |
| Cash dividends to net income (ytd only)* | 21.1142% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,451 |
| Loan loss allowance to noncurrent loans | 51.4740% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 317 |
| Noncurrent loans to loans | 2.0088% | 326 |
| Net loans and leases to total assets | 58.1266% | 2,522 |
| Net loans and leases to deposits | 62.9587% | 2,812 |
| Net loans and leases to core deposits | 64.6210% | 2,921 |
| Total domestic deposits to total assets | 92.3250% | 716 |
| Equity capital to assets | 7.4977% | 3,483 |
| Core capital (leverage) ratio | 8.6849% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,125,667 | 2,662 |
| Average earning assets | $253,011,667 | 2,650 |
| Average equity | $22,337,333 | 2,864 |
| Average total loans | $156,315,333 | 2,585 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 1,181 |
| Cost of funding earning assets | 0.2203% | 2,523 |
| Net interest margin | 3.5280% | 1,035 |
| Noninterest income to average assets | 0.7122% | 1,274 |
| Noninterest expense to average assets | 2.7141% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3070% | 989 |
| Return on assets (ROA) | 1.3070% | 978 |
| Pretax return on assets | 1.3070% | 1,481 |
| Return on Equity (ROE) | 14.8365% | 680 |
| Retained earnings to average equity (ytd only) | 10.9630% | 793 |
| Net charge-offs to loans | 0.0917% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 24.5588% | 1,209 |
| Efficiency ratio | 67.4971% | 2,567 |
| Assets per employee ($millions) | 4.3448% | 4,229 |
| Cash dividends to net income (ytd only)* | 26.1078% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,715 |
| Loan loss allowance to noncurrent loans | 69.2052% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 391 |
| Noncurrent loans to loans | 1.7754% | 437 |
| Net loans and leases to total assets | 57.7257% | 2,327 |
| Net loans and leases to deposits | 63.1781% | 2,605 |
| Net loans and leases to core deposits | 64.9016% | 2,724 |
| Total domestic deposits to total assets | 91.3698% | 862 |
| Equity capital to assets | 8.4657% | 3,192 |
| Core capital (leverage) ratio | 9.3600% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,556,000 | 2,748 |
| Average earning assets | $239,685,500 | 2,740 |
| Average equity | $22,512,000 | 2,941 |
| Average total loans | $148,350,000 | 2,652 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 986 |
| Cost of funding earning assets | 0.2612% | 2,791 |
| Net interest margin | 3.9421% | 795 |
| Noninterest income to average assets | 1.3818% | 571 |
| Noninterest expense to average assets | 3.0497% | 919 |
| Loan and lease loss provision to assets | 0.3940% | 174 |
| Net operating income to assets | 1.6621% | 689 |
| Return on assets (ROA) | 1.6621% | 720 |
| Pretax return on assets | 1.6621% | 1,233 |
| Return on Equity (ROE) | 17.6190% | 504 |
| Retained earnings to average equity (ytd only) | 7.9918% | 1,547 |
| Net charge-offs to loans | 0.0931% | 898 |
| Credit loss provision to net charge-offs | 719.6970% | 653 |
| Earnings coverage of net charge-offs (x) | 37.5606% | 1,469 |
| Efficiency ratio | 59.7303% | 3,192 |
| Assets per employee ($millions) | 3.9750% | 4,433 |
| Cash dividends to net income (ytd only)* | 54.6407% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,267 |
| Loan loss allowance to noncurrent loans | 73.9333% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1429% | 445 |
| Noncurrent loans to loans | 1.7860% | 476 |
| Net loans and leases to total assets | 56.8787% | 2,491 |
| Net loans and leases to deposits | 62.7693% | 2,801 |
| Net loans and leases to core deposits | 64.4236% | 2,943 |
| Total domestic deposits to total assets | 90.6155% | 663 |
| Equity capital to assets | 9.1665% | 3,448 |
| Core capital (leverage) ratio | 9.1440% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,137,600 | 2,786 |
| Average earning assets | $227,797,200 | 2,759 |
| Average equity | $22,748,200 | 3,004 |
| Average total loans | $141,816,000 | 2,709 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 942 |
| Cost of funding earning assets | 0.2686% | 2,916 |
| Net interest margin | 4.0364% | 739 |
| Noninterest income to average assets | 1.6280% | 471 |
| Noninterest expense to average assets | 2.8244% | 1,284 |
| Loan and lease loss provision to assets | 0.1955% | 532 |
| Net operating income to assets | 2.4252% | 236 |
| Return on assets (ROA) | 2.4252% | 243 |
| Pretax return on assets | 2.4252% | 376 |
| Return on Equity (ROE) | 25.5187% | 162 |
| Retained earnings to average equity (ytd only) | 20.3316% | 121 |
| Net charge-offs to loans | 0.1256% | 630 |
| Credit loss provision to net charge-offs | 263.1579% | 1,067 |
| Earnings coverage of net charge-offs (x) | 35.2932% | 1,443 |
| Efficiency ratio | 51.8712% | 4,032 |
| Assets per employee ($millions) | 4.0371% | 4,428 |
| Cash dividends to net income (ytd only)* | 20.3269% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,235 |
| Loan loss allowance to noncurrent loans | 50.3861% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 505 |
| Noncurrent loans to loans | 1.7206% | 584 |
| Net loans and leases to total assets | 59.6195% | 2,310 |
| Net loans and leases to deposits | 66.4031% | 2,590 |
| Net loans and leases to core deposits | 68.0243% | 2,773 |
| Total domestic deposits to total assets | 89.7842% | 871 |
| Equity capital to assets | 9.9553% | 2,943 |
| Core capital (leverage) ratio | 10.0212% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,816,000 | 2,829 |
| Average earning assets | $225,837,250 | 2,794 |
| Average equity | $22,696,500 | 3,040 |
| Average total loans | $141,184,000 | 2,750 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 762 |
| Cost of funding earning assets | 0.2754% | 3,036 |
| Net interest margin | 4.1968% | 584 |
| Noninterest income to average assets | 0.6213% | 2,124 |
| Noninterest expense to average assets | 2.8538% | 1,247 |
| Loan and lease loss provision to assets | 0.2553% | 380 |
| Net operating income to assets | 1.4937% | 1,313 |
| Return on assets (ROA) | 1.4937% | 1,375 |
| Pretax return on assets | 1.4937% | 2,035 |
| Return on Equity (ROE) | 15.9865% | 956 |
| Retained earnings to average equity (ytd only) | 9.3186% | 1,619 |
| Net charge-offs to loans | 0.1014% | 731 |
| Credit loss provision to net charge-offs | 428.5714% | 732 |
| Earnings coverage of net charge-offs (x) | 29.3571% | 1,319 |
| Efficiency ratio | 62.0007% | 2,727 |
| Assets per employee ($millions) | 3.9059% | 4,496 |
| Cash dividends to net income (ytd only)* | 41.7094% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,166 |
| Loan loss allowance to noncurrent loans | 44.9676% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 460 |
| Noncurrent loans to loans | 1.9907% | 495 |
| Net loans and leases to total assets | 60.2542% | 2,399 |
| Net loans and leases to deposits | 66.6095% | 2,768 |
| Net loans and leases to core deposits | 68.2798% | 2,937 |
| Total domestic deposits to total assets | 90.4589% | 570 |
| Equity capital to assets | 9.2966% | 3,511 |
| Core capital (leverage) ratio | 9.2173% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,988,333 | 2,844 |
| Average earning assets | $222,932,333 | 2,812 |
| Average equity | $21,956,000 | 3,091 |
| Average total loans | $138,068,000 | 2,803 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 2,634 |
| Cost of funding earning assets | 0.2885% | 3,116 |
| Net interest margin | 3.3139% | 2,350 |
| Noninterest income to average assets | 0.6465% | 2,040 |
| Noninterest expense to average assets | 2.8522% | 1,249 |
| Loan and lease loss provision to assets | 0.2593% | 393 |
| Net operating income to assets | 0.6724% | 3,775 |
| Return on assets (ROA) | 0.6724% | 3,844 |
| Pretax return on assets | 0.6724% | 4,073 |
| Return on Equity (ROE) | 7.1779% | 3,557 |
| Retained earnings to average equity (ytd only) | 1.6792% | 4,077 |
| Net charge-offs to loans | 0.0270% | 1,227 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 59.8889% | 821 |
| Efficiency ratio | 75.3769% | 1,193 |
| Assets per employee ($millions) | 3.8831% | 4,543 |
| Cash dividends to net income (ytd only)* | 76.6067% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,088 |
| Loan loss allowance to noncurrent loans | 36.5419% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 407 |
| Noncurrent loans to loans | 2.5308% | 364 |
| Net loans and leases to total assets | 54.7339% | 3,168 |
| Net loans and leases to deposits | 60.2584% | 3,462 |
| Net loans and leases to core deposits | 61.7707% | 3,592 |
| Total domestic deposits to total assets | 90.8321% | 460 |
| Equity capital to assets | 8.9727% | 3,714 |
| Core capital (leverage) ratio | 9.1489% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,400,500 | 2,855 |
| Average earning assets | $219,078,500 | 2,827 |
| Average equity | $21,677,500 | 3,106 |
| Average total loans | $133,486,000 | 2,857 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,522 |
| Cost of funding earning assets | 0.3909% | 3,642 |
| Net interest margin | 4.0291% | 921 |
| Noninterest income to average assets | 0.7114% | 1,826 |
| Noninterest expense to average assets | 3.3014% | 906 |
| Loan and lease loss provision to assets | 0.2300% | 1,691 |
| Net operating income to assets | 0.9874% | 2,341 |
| Return on assets (ROA) | 0.9874% | 2,480 |
| Pretax return on assets | 0.9874% | 3,081 |
| Return on Equity (ROE) | 9.7054% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.8833% | 2,324 |
| Net charge-offs to loans | 0.3014% | 576 |
| Credit loss provision to net charge-offs | 129.3801% | 2,555 |
| Earnings coverage of net charge-offs (x) | 6.8491% | 2,743 |
| Efficiency ratio | 73.0598% | 1,565 |
| Assets per employee ($millions) | 3.4695% | 4,667 |
| Cash dividends to net income (ytd only)* | 49.6846% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,400 |
| Loan loss allowance to noncurrent loans | 36.4245% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 476 |
| Noncurrent loans to loans | 2.2296% | 480 |
| Net loans and leases to total assets | 59.8431% | 2,884 |
| Net loans and leases to deposits | 66.5123% | 3,226 |
| Net loans and leases to core deposits | 68.1504% | 3,406 |
| Total domestic deposits to total assets | 89.9729% | 577 |
| Equity capital to assets | 9.7965% | 3,321 |
| Core capital (leverage) ratio | 9.2816% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,729,400 | 2,871 |
| Average earning assets | $197,241,800 | 2,853 |
| Average equity | $21,235,600 | 3,077 |
| Average total loans | $123,105,400 | 2,949 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,389 |
| Cost of funding earning assets | 0.4119% | 3,754 |
| Net interest margin | 4.1607% | 793 |
| Noninterest income to average assets | 0.6193% | 2,103 |
| Noninterest expense to average assets | 3.1522% | 1,152 |
| Loan and lease loss provision to assets | 0.2337% | 1,741 |
| Net operating income to assets | 1.1606% | 1,781 |
| Return on assets (ROA) | 1.1606% | 1,897 |
| Pretax return on assets | 1.1606% | 2,527 |
| Return on Equity (ROE) | 11.2950% | 1,588 |
| Retained earnings to average equity (ytd only) | 7.6121% | 1,454 |
| Net charge-offs to loans | 0.3810% | 413 |
| Credit loss provision to net charge-offs | 104.6512% | 2,589 |
| Earnings coverage of net charge-offs (x) | 6.2442% | 2,667 |
| Efficiency ratio | 69.3318% | 1,986 |
| Assets per employee ($millions) | 3.6819% | 4,563 |
| Cash dividends to net income (ytd only)* | 32.6063% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 4,575 |
| Loan loss allowance to noncurrent loans | 29.6749% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 455 |
| Noncurrent loans to loans | 2.3779% | 461 |
| Net loans and leases to total assets | 60.3618% | 3,185 |
| Net loans and leases to deposits | 66.8641% | 3,554 |
| Net loans and leases to core deposits | 68.0598% | 3,755 |
| Total domestic deposits to total assets | 90.2754% | 339 |
| Equity capital to assets | 9.4401% | 3,728 |
| Core capital (leverage) ratio | 9.6282% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,399,500 | 2,880 |
| Average earning assets | $193,874,000 | 2,862 |
| Average equity | $21,106,250 | 3,083 |
| Average total loans | $120,389,500 | 2,995 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 1,270 |
| Cost of funding earning assets | 0.4451% | 3,816 |
| Net interest margin | 4.3091% | 737 |
| Noninterest income to average assets | 0.6360% | 1,992 |
| Noninterest expense to average assets | 3.3142% | 972 |
| Loan and lease loss provision to assets | 0.2442% | 1,724 |
| Net operating income to assets | 1.1458% | 1,816 |
| Return on assets (ROA) | 1.1458% | 1,946 |
| Pretax return on assets | 1.1458% | 2,562 |
| Return on Equity (ROE) | 10.8048% | 1,702 |
| Retained earnings to average equity (ytd only) | 7.3023% | 1,537 |
| Net charge-offs to loans | 0.5550% | 287 |
| Credit loss provision to net charge-offs | 76.1905% | 2,520 |
| Earnings coverage of net charge-offs (x) | 4.3365% | 2,606 |
| Efficiency ratio | 70.4521% | 1,897 |
| Assets per employee ($millions) | 3.5017% | 4,658 |
| Cash dividends to net income (ytd only)* | 32.4156% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 4,613 |
| Loan loss allowance to noncurrent loans | 20.4201% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 324 |
| Noncurrent loans to loans | 3.3123% | 258 |
| Net loans and leases to total assets | 60.1740% | 3,301 |
| Net loans and leases to deposits | 66.8938% | 3,650 |
| Net loans and leases to core deposits | 68.1552% | 3,855 |
| Total domestic deposits to total assets | 89.9545% | 411 |
| Equity capital to assets | 9.8034% | 3,362 |
| Core capital (leverage) ratio | 9.8978% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,546,667 | 2,929 |
| Average earning assets | $185,560,000 | 2,908 |
| Average equity | $20,842,667 | 3,093 |
| Average total loans | $113,516,333 | 3,049 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,448 |
| Cost of funding earning assets | 0.4917% | 3,977 |
| Net interest margin | 3.9568% | 1,509 |
| Noninterest income to average assets | 0.6937% | 1,675 |
| Noninterest expense to average assets | 3.5726% | 841 |
| Loan and lease loss provision to assets | 0.2601% | 1,197 |
| Net operating income to assets | 0.5766% | 3,669 |
| Return on assets (ROA) | 0.5766% | 3,731 |
| Pretax return on assets | 0.5766% | 3,964 |
| Return on Equity (ROE) | 5.2028% | 3,568 |
| Retained earnings to average equity (ytd only) | 0.9584% | 3,753 |
| Net charge-offs to loans | 0.3171% | 458 |
| Credit loss provision to net charge-offs | 146.3415% | 1,594 |
| Earnings coverage of net charge-offs (x) | 4.7073% | 2,119 |
| Efficiency ratio | 81.0226% | 1,039 |
| Assets per employee ($millions) | 2.8354% | 4,857 |
| Cash dividends to net income (ytd only)* | 81.5789% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,995 |
| Loan loss allowance to noncurrent loans | 18.0383% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.0892% | 183 |
| Noncurrent loans to loans | 5.1725% | 117 |
| Net loans and leases to total assets | 57.7030% | 3,695 |
| Net loans and leases to deposits | 65.0057% | 3,923 |
| Net loans and leases to core deposits | 66.4715% | 4,055 |
| Total domestic deposits to total assets | 88.7659% | 772 |
| Equity capital to assets | 10.9936% | 2,860 |
| Core capital (leverage) ratio | 10.7693% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,516,500 | 3,009 |
| Average earning assets | $173,269,500 | 2,979 |
| Average equity | $20,450,500 | 3,125 |
| Average total loans | $103,448,500 | 3,177 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,815 |
| Cost of funding earning assets | 0.4634% | 4,229 |
| Net interest margin | 4.0748% | 1,607 |
| Noninterest income to average assets | 0.8835% | 1,211 |
| Noninterest expense to average assets | 3.3846% | 1,141 |
| Loan and lease loss provision to assets | 0.3108% | 523 |
| Net operating income to assets | 1.0139% | 2,801 |
| Return on assets (ROA) | 1.0139% | 2,888 |
| Pretax return on assets | 1.0139% | 3,432 |
| Return on Equity (ROE) | 9.1176% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.5701% | 3,750 |
| Net charge-offs to loans | 0.4537% | 411 |
| Credit loss provision to net charge-offs | 124.1685% | 2,049 |
| Earnings coverage of net charge-offs (x) | 5.2927% | 3,107 |
| Efficiency ratio | 71.8713% | 1,886 |
| Assets per employee ($millions) | 2.8421% | 4,888 |
| Cash dividends to net income (ytd only)* | 71.8117% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,515 |
| Loan loss allowance to noncurrent loans | 25.2841% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 333 |
| Noncurrent loans to loans | 3.9552% | 177 |
| Net loans and leases to total assets | 53.2818% | 4,131 |
| Net loans and leases to deposits | 60.1676% | 4,279 |
| Net loans and leases to core deposits | 61.5736% | 4,361 |
| Total domestic deposits to total assets | 88.5556% | 860 |
| Equity capital to assets | 11.1756% | 2,837 |
| Core capital (leverage) ratio | 11.0043% | 2,499 |
| Tier 1 risk-based capital ratio | 17.0387% | 2,038 |
| Total risk-based capital ratio | 17.8726% | 2,113 |
| Memoranda: | ||
| Average total assets | $180,199,800 | 3,021 |
| Average earning assets | $169,187,600 | 3,000 |
| Average equity | $20,038,200 | 3,132 |
| Average total loans | $99,412,000 | 3,234 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,873 |
| Cost of funding earning assets | 0.4552% | 4,313 |
| Net interest margin | 4.1005% | 1,607 |
| Noninterest income to average assets | 0.7276% | 1,673 |
| Noninterest expense to average assets | 3.1616% | 1,549 |
| Loan and lease loss provision to assets | 0.2002% | 878 |
| Net operating income to assets | 1.2141% | 2,148 |
| Return on assets (ROA) | 1.2141% | 2,219 |
| Pretax return on assets | 1.2141% | 2,938 |
| Return on Equity (ROE) | 10.9318% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.0685% | 2,861 |
| Net charge-offs to loans | 0.0868% | 1,610 |
| Credit loss provision to net charge-offs | 415.3846% | 734 |
| Earnings coverage of net charge-offs (x) | 29.3399% | 1,646 |
| Efficiency ratio | 69.0924% | 2,243 |
| Assets per employee ($millions) | 2.7921% | 4,979 |
| Cash dividends to net income (ytd only)* | 53.6349% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,638 |
| Loan loss allowance to noncurrent loans | 26.9019% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.3263% | 322 |
| Noncurrent loans to loans | 3.6732% | 207 |
| Net loans and leases to total assets | 60.2788% | 3,654 |
| Net loans and leases to deposits | 68.4346% | 3,891 |
| Net loans and leases to core deposits | 70.6363% | 4,023 |
| Total domestic deposits to total assets | 88.0824% | 1,003 |
| Equity capital to assets | 11.5696% | 2,612 |
| Core capital (leverage) ratio | 11.4587% | 2,252 |
| Tier 1 risk-based capital ratio | 15.7211% | 2,545 |
| Total risk-based capital ratio | 16.5561% | 2,644 |
| Memoranda: | ||
| Average total assets | $179,775,500 | 3,046 |
| Average earning assets | $168,723,250 | 3,029 |
| Average equity | $19,965,750 | 3,157 |
| Average total loans | $99,790,750 | 3,270 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 3,191 |
| Cost of funding earning assets | 0.4470% | 4,335 |
| Net interest margin | 3.9996% | 1,924 |
| Noninterest income to average assets | 0.7894% | 1,384 |
| Noninterest expense to average assets | 3.1054% | 1,717 |
| Loan and lease loss provision to assets | 0.1998% | 860 |
| Net operating income to assets | 1.2391% | 2,014 |
| Return on assets (ROA) | 1.2391% | 2,065 |
| Pretax return on assets | 1.2391% | 2,791 |
| Return on Equity (ROE) | 11.3129% | 1,863 |
| Retained earnings to average equity (ytd only) | 4.6529% | 2,946 |
| Net charge-offs to loans | 0.0806% | 1,553 |
| Credit loss provision to net charge-offs | 461.5385% | 639 |
| Earnings coverage of net charge-offs (x) | 33.2308% | 1,389 |
| Efficiency ratio | 68.3362% | 2,478 |
| Assets per employee ($millions) | 2.8621% | 4,987 |
| Cash dividends to net income (ytd only)* | 58.8710% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,796 |
| Loan loss allowance to noncurrent loans | 25.2876% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.5410% | 288 |
| Noncurrent loans to loans | 3.8250% | 197 |
| Net loans and leases to total assets | 58.3321% | 3,880 |
| Net loans and leases to deposits | 66.0941% | 4,092 |
| Net loans and leases to core deposits | 67.8874% | 4,211 |
| Total domestic deposits to total assets | 88.2560% | 989 |
| Equity capital to assets | 11.4582% | 2,635 |
| Core capital (leverage) ratio | 11.0755% | 2,527 |
| Tier 1 risk-based capital ratio | 15.7616% | 2,518 |
| Total risk-based capital ratio | 16.5611% | 2,638 |
| Memoranda: | ||
| Average total assets | $180,136,330 | 3,052 |
| Average earning assets | $169,118,000 | 3,035 |
| Average equity | $19,729,670 | 3,172 |
| Average total loans | $96,791,330 | 3,325 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 4,020 |
| Cost of funding earning assets | 0.4301% | 4,360 |
| Net interest margin | 3.7137% | 2,845 |
| Noninterest income to average assets | 0.7891% | 1,320 |
| Noninterest expense to average assets | 3.0373% | 1,884 |
| Loan and lease loss provision to assets | 0.1984% | 814 |
| Net operating income to assets | 1.0359% | 2,719 |
| Return on assets (ROA) | 1.0359% | 2,759 |
| Pretax return on assets | 1.0359% | 3,324 |
| Return on Equity (ROE) | 9.6768% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.1060% | 2,858 |
| Net charge-offs to loans | 0.0904% | 1,215 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,398 |
| Efficiency ratio | 71.1042% | 2,169 |
| Assets per employee ($millions) | 2.9431% | 5,004 |
| Cash dividends to net income (ytd only)* | 47.2340% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,816 |
| Loan loss allowance to noncurrent loans | 17.9028% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 3.2389% | 175 |
| Noncurrent loans to loans | 5.4875% | 91 |
| Net loans and leases to total assets | 51.8660% | 4,346 |
| Net loans and leases to deposits | 58.3192% | 4,488 |
| Net loans and leases to core deposits | 61.0500% | 4,530 |
| Total domestic deposits to total assets | 88.9347% | 887 |
| Equity capital to assets | 10.8345% | 3,013 |
| Core capital (leverage) ratio | 10.8670% | 2,692 |
| Tier 1 risk-based capital ratio | 15.9920% | 2,444 |
| Total risk-based capital ratio | 16.7537% | 2,569 |
| Memoranda: | ||
| Average total assets | $181,478,000 | 3,071 |
| Average earning assets | $170,179,500 | 3,053 |
| Average equity | $19,428,000 | 3,208 |
| Average total loans | $92,925,500 | 3,432 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 3,610 |
| Cost of funding earning assets | 0.3366% | 4,369 |
| Net interest margin | 3.8060% | 2,641 |
| Noninterest income to average assets | 0.8203% | 1,396 |
| Noninterest expense to average assets | 3.1540% | 1,661 |
| Loan and lease loss provision to assets | 0.2519% | 679 |
| Net operating income to assets | 0.9807% | 3,098 |
| Return on assets (ROA) | 0.9697% | 3,138 |
| Pretax return on assets | 0.9697% | 3,700 |
| Return on Equity (ROE) | 9.3950% | 2,790 |
| Retained earnings to average equity (ytd only) | 1.7294% | 4,452 |
| Net charge-offs to loans | 0.1983% | 965 |
| Credit loss provision to net charge-offs | 242.1053% | 1,220 |
| Earnings coverage of net charge-offs (x) | 11.8474% | 2,597 |
| Efficiency ratio | 71.9011% | 1,914 |
| Assets per employee ($millions) | 2.8648% | 5,064 |
| Cash dividends to net income (ytd only)* | 81.5923% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,892 |
| Loan loss allowance to noncurrent loans | 20.5771% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.8019% | 245 |
| Noncurrent loans to loans | 4.6837% | 126 |
| Net loans and leases to total assets | 49.5340% | 4,555 |
| Net loans and leases to deposits | 55.5420% | 4,683 |
| Net loans and leases to core deposits | 57.3720% | 4,725 |
| Total domestic deposits to total assets | 89.1830% | 782 |
| Equity capital to assets | 10.5749% | 3,100 |
| Core capital (leverage) ratio | 10.6979% | 2,838 |
| Tier 1 risk-based capital ratio | 16.7141% | 2,165 |
| Total risk-based capital ratio | 17.4614% | 2,281 |
| Memoranda: | ||
| Average total assets | $182,624,600 | 3,030 |
| Average earning assets | $171,123,000 | 3,012 |
| Average equity | $18,850,400 | 3,195 |
| Average total loans | $95,832,000 | 3,371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,671 |
| Cost of funding earning assets | 0.3752% | 4,021 |
| Net interest margin | 3.7143% | 2,968 |
| Noninterest income to average assets | 0.8124% | 1,429 |
| Noninterest expense to average assets | 2.9649% | 2,126 |
| Loan and lease loss provision to assets | 0.1965% | 891 |
| Net operating income to assets | 1.1312% | 2,524 |
| Return on assets (ROA) | 1.1167% | 2,609 |
| Pretax return on assets | 1.1167% | 3,331 |
| Return on Equity (ROE) | 10.8841% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.7250% | 3,909 |
| Net charge-offs to loans | 0.1893% | 882 |
| Credit loss provision to net charge-offs | 195.6522% | 1,406 |
| Earnings coverage of net charge-offs (x) | 13.2171% | 2,384 |
| Efficiency ratio | 69.0690% | 2,346 |
| Assets per employee ($millions) | 2.9458% | 5,075 |
| Cash dividends to net income (ytd only)* | 65.7758% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 4,886 |
| Loan loss allowance to noncurrent loans | 19.8859% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.2177% | 440 |
| Noncurrent loans to loans | 3.4893% | 274 |
| Net loans and leases to total assets | 58.3018% | 4,007 |
| Net loans and leases to deposits | 65.3849% | 4,248 |
| Net loans and leases to core deposits | 67.9353% | 4,300 |
| Total domestic deposits to total assets | 89.1670% | 789 |
| Equity capital to assets | 10.5153% | 3,125 |
| Core capital (leverage) ratio | 10.9308% | 2,644 |
| Tier 1 risk-based capital ratio | 14.9527% | 2,906 |
| Total risk-based capital ratio | 15.5097% | 3,152 |
| Memoranda: | ||
| Average total assets | $183,159,750 | 3,045 |
| Average earning assets | $171,620,750 | 3,033 |
| Average equity | $18,791,500 | 3,224 |
| Average total loans | $97,222,250 | 3,380 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,988 |
| Cost of funding earning assets | 0.3135% | 4,321 |
| Net interest margin | 3.6198% | 3,237 |
| Noninterest income to average assets | 0.8355% | 1,367 |
| Noninterest expense to average assets | 3.0502% | 1,904 |
| Loan and lease loss provision to assets | 0.1953% | 880 |
| Net operating income to assets | 0.9853% | 3,088 |
| Return on assets (ROA) | 0.9853% | 3,089 |
| Pretax return on assets | 0.9853% | 3,707 |
| Return on Equity (ROE) | 9.6817% | 2,723 |
| Retained earnings to average equity (ytd only) | 1.2902% | 4,691 |
| Net charge-offs to loans | 0.2287% | 699 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 10.0741% | 2,355 |
| Efficiency ratio | 72.0954% | 1,991 |
| Assets per employee ($millions) | 2.9897% | 5,103 |
| Cash dividends to net income (ytd only)* | 86.6740% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 5,021 |
| Loan loss allowance to noncurrent loans | 17.7449% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.3107% | 402 |
| Noncurrent loans to loans | 3.6965% | 259 |
| Net loans and leases to total assets | 56.7358% | 4,102 |
| Net loans and leases to deposits | 63.4895% | 4,318 |
| Net loans and leases to core deposits | 65.1347% | 4,421 |
| Total domestic deposits to total assets | 89.3625% | 783 |
| Equity capital to assets | 10.3772% | 3,241 |
| Core capital (leverage) ratio | 10.4305% | 3,102 |
| Tier 1 risk-based capital ratio | 15.4515% | 2,661 |
| Total risk-based capital ratio | 15.9913% | 2,927 |
| Memoranda: | ||
| Average total assets | $184,316,000 | 3,054 |
| Average earning assets | $172,883,670 | 3,032 |
| Average equity | $18,757,000 | 3,248 |
| Average total loans | $94,464,670 | 3,439 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,342 |
| Cost of funding earning assets | 0.3078% | 4,293 |
| Net interest margin | 3.4476% | 3,712 |
| Noninterest income to average assets | 0.8823% | 1,193 |
| Noninterest expense to average assets | 2.9168% | 2,302 |
| Loan and lease loss provision to assets | 0.1927% | 871 |
| Net operating income to assets | 1.0108% | 2,819 |
| Return on assets (ROA) | 1.0108% | 2,839 |
| Pretax return on assets | 1.0108% | 3,497 |
| Return on Equity (ROE) | 10.0276% | 2,408 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,589 |
| Net charge-offs to loans | 0.3095% | 492 |
| Credit loss provision to net charge-offs | 128.5714% | 1,345 |
| Earnings coverage of net charge-offs (x) | 8.0286% | 2,052 |
| Efficiency ratio | 70.7900% | 2,376 |
| Assets per employee ($millions) | 2.7596% | 5,305 |
| Cash dividends to net income (ytd only)* | 59.9576% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 5,066 |
| Loan loss allowance to noncurrent loans | 13.7686% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.6858% | 329 |
| Noncurrent loans to loans | 4.9328% | 156 |
| Net loans and leases to total assets | 48.3150% | 4,677 |
| Net loans and leases to deposits | 53.7940% | 4,808 |
| Net loans and leases to core deposits | 55.0318% | 4,878 |
| Total domestic deposits to total assets | 89.8149% | 730 |
| Equity capital to assets | 9.9864% | 3,607 |
| Core capital (leverage) ratio | 10.1937% | 3,313 |
| Tier 1 risk-based capital ratio | 15.9733% | 2,485 |
| Total risk-based capital ratio | 16.4865% | 2,708 |
| Memoranda: | ||
| Average total assets | $186,782,000 | 3,067 |
| Average earning assets | $175,428,000 | 3,038 |
| Average equity | $18,828,000 | 3,266 |
| Average total loans | $90,473,500 | 3,532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,533 |
| Cost of funding earning assets | 0.3020% | 4,124 |
| Net interest margin | 3.6581% | 2,961 |
| Noninterest income to average assets | 0.8700% | 1,354 |
| Noninterest expense to average assets | 3.0576% | 1,984 |
| Loan and lease loss provision to assets | 0.2498% | 750 |
| Net operating income to assets | 0.9811% | 2,323 |
| Return on assets (ROA) | 0.9811% | 2,360 |
| Pretax return on assets | 0.9811% | 3,642 |
| Return on Equity (ROE) | 9.6633% | 2,027 |
| Retained earnings to average equity (ytd only) | 2.2405% | 3,977 |
| Net charge-offs to loans | 0.5085% | 462 |
| Credit loss provision to net charge-offs | 98.1211% | 2,641 |
| Earnings coverage of net charge-offs (x) | 4.8351% | 3,407 |
| Efficiency ratio | 71.2976% | 2,336 |
| Assets per employee ($millions) | 2.7747% | 5,347 |
| Cash dividends to net income (ytd only)* | 76.8147% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 5,127 |
| Loan loss allowance to noncurrent loans | 16.4114% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 453 |
| Noncurrent loans to loans | 4.0776% | 229 |
| Net loans and leases to total assets | 47.9060% | 4,772 |
| Net loans and leases to deposits | 53.4622% | 4,918 |
| Net loans and leases to core deposits | 55.0442% | 4,966 |
| Total domestic deposits to total assets | 89.6072% | 732 |
| Equity capital to assets | 10.1749% | 3,519 |
| Core capital (leverage) ratio | 10.0066% | 3,450 |
| Tier 1 risk-based capital ratio | 16.0468% | 2,420 |
| Total risk-based capital ratio | 16.5497% | 2,638 |
| Memoranda: | ||
| Average total assets | $188,152,600 | 3,038 |
| Average earning assets | $175,829,000 | 3,004 |
| Average equity | $19,103,200 | 3,233 |
| Average total loans | $94,206,600 | 3,447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,475 |
| Cost of funding earning assets | 0.2981% | 4,153 |
| Net interest margin | 3.6668% | 2,882 |
| Noninterest income to average assets | 0.8867% | 1,314 |
| Noninterest expense to average assets | 2.9010% | 2,410 |
| Loan and lease loss provision to assets | 0.2543% | 676 |
| Net operating income to assets | 1.1552% | 1,859 |
| Return on assets (ROA) | 1.1552% | 1,903 |
| Pretax return on assets | 1.1552% | 3,095 |
| Return on Equity (ROE) | 11.3836% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.2009% | 2,743 |
| Net charge-offs to loans | 0.5244% | 388 |
| Credit loss provision to net charge-offs | 96.0000% | 2,374 |
| Earnings coverage of net charge-offs (x) | 5.3200% | 3,122 |
| Efficiency ratio | 67.3004% | 3,001 |
| Assets per employee ($millions) | 2.8592% | 5,350 |
| Cash dividends to net income (ytd only)* | 54.3118% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,357 |
| Loan loss allowance to noncurrent loans | 14.5695% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.4164% | 467 |
| Noncurrent loans to loans | 4.0012% | 246 |
| Net loans and leases to total assets | 53.6808% | 4,440 |
| Net loans and leases to deposits | 60.1141% | 4,634 |
| Net loans and leases to core deposits | 61.2736% | 4,751 |
| Total domestic deposits to total assets | 89.2983% | 747 |
| Equity capital to assets | 10.4421% | 3,430 |
| Core capital (leverage) ratio | 10.7257% | 2,729 |
| Tier 1 risk-based capital ratio | 14.7847% | 3,022 |
| Total risk-based capital ratio | 15.2361% | 3,364 |
| Memoranda: | ||
| Average total assets | $188,713,750 | 3,057 |
| Average earning assets | $176,207,750 | 3,025 |
| Average equity | $19,150,000 | 3,254 |
| Average total loans | $95,343,000 | 3,455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 3,565 |
| Cost of funding earning assets | 0.2975% | 4,105 |
| Net interest margin | 3.5971% | 3,054 |
| Noninterest income to average assets | 0.8892% | 1,305 |
| Noninterest expense to average assets | 2.9007% | 2,423 |
| Loan and lease loss provision to assets | 0.3815% | 364 |
| Net operating income to assets | 0.9771% | 2,539 |
| Return on assets (ROA) | 0.9771% | 2,586 |
| Pretax return on assets | 0.9771% | 3,649 |
| Return on Equity (ROE) | 9.7232% | 2,158 |
| Retained earnings to average equity (ytd only) | 2.6681% | 4,107 |
| Net charge-offs to loans | 0.7557% | 256 |
| Credit loss provision to net charge-offs | 102.2727% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.6420% | 3,017 |
| Efficiency ratio | 68.1015% | 2,997 |
| Assets per employee ($millions) | 2.8058% | 5,415 |
| Cash dividends to net income (ytd only)* | 72.5597% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 5,349 |
| Loan loss allowance to noncurrent loans | 13.9688% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6730% | 379 |
| Noncurrent loans to loans | 4.4294% | 190 |
| Net loans and leases to total assets | 54.3385% | 4,363 |
| Net loans and leases to deposits | 60.8929% | 4,566 |
| Net loans and leases to core deposits | 62.1072% | 4,709 |
| Total domestic deposits to total assets | 89.2362% | 837 |
| Equity capital to assets | 10.5352% | 3,294 |
| Core capital (leverage) ratio | 10.1091% | 3,394 |
| Tier 1 risk-based capital ratio | 14.6422% | 3,089 |
| Total risk-based capital ratio | 15.1188% | 3,419 |
| Memoranda: | ||
| Average total assets | $188,715,670 | 3,071 |
| Average earning assets | $176,807,670 | 3,030 |
| Average equity | $18,965,000 | 3,281 |
| Average total loans | $93,159,330 | 3,508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,015 |
| Cost of funding earning assets | 0.2914% | 4,131 |
| Net interest margin | 3.4371% | 3,496 |
| Noninterest income to average assets | 0.8839% | 1,294 |
| Noninterest expense to average assets | 2.8559% | 2,599 |
| Loan and lease loss provision to assets | 0.1876% | 901 |
| Net operating income to assets | 1.0611% | 2,027 |
| Return on assets (ROA) | 1.0611% | 2,066 |
| Pretax return on assets | 1.0611% | 3,126 |
| Return on Equity (ROE) | 10.8065% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,329 |
| Net charge-offs to loans | 0.3293% | 558 |
| Credit loss provision to net charge-offs | 121.6216% | 1,386 |
| Earnings coverage of net charge-offs (x) | 8.0946% | 2,087 |
| Efficiency ratio | 69.5785% | 2,959 |
| Assets per employee ($millions) | 3.0285% | 5,329 |
| Cash dividends to net income (ytd only)* | 44.4008% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6846% | 5,340 |
| Loan loss allowance to noncurrent loans | 11.7969% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 350 |
| Noncurrent loans to loans | 5.8032% | 120 |
| Net loans and leases to total assets | 46.7793% | 4,904 |
| Net loans and leases to deposits | 51.9894% | 5,035 |
| Net loans and leases to core deposits | 53.5198% | 5,087 |
| Total domestic deposits to total assets | 89.9786% | 667 |
| Equity capital to assets | 9.8512% | 3,931 |
| Core capital (leverage) ratio | 9.8378% | 3,708 |
| Tier 1 risk-based capital ratio | 15.4236% | 2,784 |
| Total risk-based capital ratio | 15.9315% | 3,052 |
| Memoranda: | ||
| Average total assets | $191,884,000 | 3,074 |
| Average earning assets | $179,801,000 | 3,038 |
| Average equity | $18,840,500 | 3,304 |
| Average total loans | $89,879,500 | 3,601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,624 |
| Cost of funding earning assets | 0.3087% | 3,971 |
| Net interest margin | 3.5770% | 3,159 |
| Noninterest income to average assets | 0.9417% | 1,289 |
| Noninterest expense to average assets | 3.1774% | 1,847 |
| Loan and lease loss provision to assets | 0.1289% | 1,929 |
| Net operating income to assets | 0.9702% | 2,491 |
| Return on assets (ROA) | 0.9702% | 2,594 |
| Pretax return on assets | 0.9702% | 3,583 |
| Return on Equity (ROE) | 9.3889% | 2,235 |
| Retained earnings to average equity (ytd only) | 2.0524% | 4,373 |
| Net charge-offs to loans | 0.2768% | 996 |
| Credit loss provision to net charge-offs | 94.8617% | 2,707 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,924 |
| Efficiency ratio | 74.3001% | 2,253 |
| Assets per employee ($millions) | 3.0150% | 5,348 |
| Cash dividends to net income (ytd only)* | 78.1406% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 5,380 |
| Loan loss allowance to noncurrent loans | 13.3290% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 438 |
| Noncurrent loans to loans | 5.1648% | 150 |
| Net loans and leases to total assets | 46.2533% | 5,003 |
| Net loans and leases to deposits | 51.3871% | 5,152 |
| Net loans and leases to core deposits | 52.4382% | 5,207 |
| Total domestic deposits to total assets | 90.0096% | 623 |
| Equity capital to assets | 9.7856% | 3,959 |
| Core capital (leverage) ratio | 9.9324% | 3,588 |
| Tier 1 risk-based capital ratio | 15.5546% | 2,723 |
| Total risk-based capital ratio | 16.0601% | 2,995 |
| Memoranda: | ||
| Average total assets | $186,252,200 | 3,098 |
| Average earning assets | $173,635,800 | 3,073 |
| Average equity | $19,246,200 | 3,244 |
| Average total loans | $91,414,200 | 3,550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,687 |
| Cost of funding earning assets | 0.3164% | 3,911 |
| Net interest margin | 3.5561% | 3,248 |
| Noninterest income to average assets | 0.9381% | 1,280 |
| Noninterest expense to average assets | 2.9496% | 2,462 |
| Loan and lease loss provision to assets | 0.1295% | 1,810 |
| Net operating income to assets | 1.1741% | 1,720 |
| Return on assets (ROA) | 1.1741% | 1,831 |
| Pretax return on assets | 1.1741% | 2,947 |
| Return on Equity (ROE) | 11.2099% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.3605% | 1,981 |
| Net charge-offs to loans | 0.1722% | 1,338 |
| Credit loss provision to net charge-offs | 151.2605% | 1,759 |
| Earnings coverage of net charge-offs (x) | 15.2272% | 2,194 |
| Efficiency ratio | 69.3505% | 2,990 |
| Assets per employee ($millions) | 2.9648% | 5,414 |
| Cash dividends to net income (ytd only)* | 43.2597% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 5,453 |
| Loan loss allowance to noncurrent loans | 13.4317% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 3.0073% | 380 |
| Noncurrent loans to loans | 5.1043% | 163 |
| Net loans and leases to total assets | 53.8247% | 4,504 |
| Net loans and leases to deposits | 60.5861% | 4,713 |
| Net loans and leases to core deposits | 61.5197% | 4,858 |
| Total domestic deposits to total assets | 88.8400% | 990 |
| Equity capital to assets | 10.9005% | 3,131 |
| Core capital (leverage) ratio | 10.6118% | 2,860 |
| Tier 1 risk-based capital ratio | 14.7844% | 3,150 |
| Total risk-based capital ratio | 15.3085% | 3,450 |
| Memoranda: | ||
| Average total assets | $185,329,500 | 3,114 |
| Average earning assets | $172,771,750 | 3,092 |
| Average equity | $19,411,000 | 3,247 |
| Average total loans | $92,151,750 | 3,546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,082 |
| Cost of funding earning assets | 0.3218% | 3,879 |
| Net interest margin | 3.4404% | 3,726 |
| Noninterest income to average assets | 0.9395% | 1,265 |
| Noninterest expense to average assets | 2.9758% | 2,424 |
| Loan and lease loss provision to assets | 0.1291% | 1,771 |
| Net operating income to assets | 1.0450% | 2,207 |
| Return on assets (ROA) | 1.0450% | 2,329 |
| Pretax return on assets | 1.0450% | 3,416 |
| Return on Equity (ROE) | 10.1134% | 1,999 |
| Retained earnings to average equity (ytd only) | 4.5932% | 2,980 |
| Net charge-offs to loans | 0.0981% | 1,860 |
| Credit loss provision to net charge-offs | 272.7273% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.7955% | 1,532 |
| Efficiency ratio | 71.7064% | 2,712 |
| Assets per employee ($millions) | 3.0039% | 5,427 |
| Cash dividends to net income (ytd only)* | 54.5829% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 5,466 |
| Loan loss allowance to noncurrent loans | 13.1500% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 3.0682% | 391 |
| Noncurrent loans to loans | 5.5174% | 146 |
| Net loans and leases to total assets | 52.1219% | 4,661 |
| Net loans and leases to deposits | 58.6049% | 4,872 |
| Net loans and leases to core deposits | 59.9321% | 4,984 |
| Total domestic deposits to total assets | 88.9378% | 948 |
| Equity capital to assets | 10.7217% | 3,376 |
| Core capital (leverage) ratio | 10.0831% | 3,469 |
| Tier 1 risk-based capital ratio | 14.9560% | 3,094 |
| Total risk-based capital ratio | 15.5117% | 3,380 |
| Memoranda: | ||
| Average total assets | $185,833,670 | 3,125 |
| Average earning assets | $173,408,000 | 3,105 |
| Average equity | $19,202,330 | 3,270 |
| Average total loans | $89,661,670 | 3,622 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,808 |
| Cost of funding earning assets | 0.3251% | 3,897 |
| Net interest margin | 3.2078% | 4,557 |
| Noninterest income to average assets | 1.0260% | 1,022 |
| Noninterest expense to average assets | 3.0374% | 2,279 |
| Loan and lease loss provision to assets | 0.1283% | 1,661 |
| Net operating income to assets | 0.8550% | 2,973 |
| Return on assets (ROA) | 0.8550% | 3,092 |
| Pretax return on assets | 0.8550% | 4,021 |
| Return on Equity (ROE) | 8.4297% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.7417% | 3,094 |
| Net charge-offs to loans | 0.0509% | 2,023 |
| Credit loss provision to net charge-offs | 545.4545% | 569 |
| Earnings coverage of net charge-offs (x) | 41.8182% | 989 |
| Efficiency ratio | 75.5449% | 2,241 |
| Assets per employee ($millions) | 3.0556% | 5,446 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 5,455 |
| Loan loss allowance to noncurrent loans | 9.7813% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.9214% | 266 |
| Noncurrent loans to loans | 7.8282% | 74 |
| Net loans and leases to total assets | 46.6557% | 5,075 |
| Net loans and leases to deposits | 52.1925% | 5,221 |
| Net loans and leases to core deposits | 53.5112% | 5,286 |
| Total domestic deposits to total assets | 89.3915% | 892 |
| Equity capital to assets | 10.2984% | 3,748 |
| Core capital (leverage) ratio | 9.9403% | 3,608 |
| Tier 1 risk-based capital ratio | 15.3339% | 3,002 |
| Total risk-based capital ratio | 15.8882% | 3,260 |
| Memoranda: | ||
| Average total assets | $187,132,500 | 3,125 |
| Average earning assets | $174,699,500 | 3,104 |
| Average equity | $18,980,500 | 3,306 |
| Average total loans | $86,390,500 | 3,696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,103 |
| Cost of funding earning assets | 0.3342% | 3,859 |
| Net interest margin | 3.4454% | 3,740 |
| Noninterest income to average assets | 0.9293% | 1,357 |
| Noninterest expense to average assets | 3.1120% | 2,199 |
| Loan and lease loss provision to assets | 0.1483% | 1,589 |
| Net operating income to assets | 0.8736% | 3,004 |
| Return on assets (ROA) | 0.8736% | 3,090 |
| Pretax return on assets | 0.8736% | 3,939 |
| Return on Equity (ROE) | 8.8312% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.4617% | 4,318 |
| Net charge-offs to loans | 0.2130% | 1,382 |
| Credit loss provision to net charge-offs | 159.3220% | 1,687 |
| Earnings coverage of net charge-offs (x) | 10.9774% | 2,638 |
| Efficiency ratio | 75.2799% | 2,387 |
| Assets per employee ($millions) | 3.0799% | 5,446 |
| Cash dividends to net income (ytd only)* | 72.1252% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 5,583 |
| Loan loss allowance to noncurrent loans | 19.7960% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 950 |
| Noncurrent loans to loans | 3.6841% | 354 |
| Net loans and leases to total assets | 44.9914% | 5,229 |
| Net loans and leases to deposits | 50.1674% | 5,384 |
| Net loans and leases to core deposits | 51.4367% | 5,433 |
| Total domestic deposits to total assets | 89.6826% | 763 |
| Equity capital to assets | 9.9885% | 3,970 |
| Core capital (leverage) ratio | 9.8040% | 3,762 |
| Tier 1 risk-based capital ratio | 16.7826% | 2,366 |
| Total risk-based capital ratio | 17.3487% | 2,591 |
| Memoranda: | ||
| Average total assets | $190,136,000 | 3,053 |
| Average earning assets | $176,844,800 | 3,032 |
| Average equity | $18,808,400 | 3,280 |
| Average total loans | $83,096,800 | 3,741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,170 |
| Cost of funding earning assets | 0.3407% | 3,850 |
| Net interest margin | 3.4346% | 3,818 |
| Noninterest income to average assets | 0.9397% | 1,345 |
| Noninterest expense to average assets | 2.9833% | 2,580 |
| Loan and lease loss provision to assets | 0.1405% | 1,578 |
| Net operating income to assets | 1.0082% | 2,432 |
| Return on assets (ROA) | 1.0082% | 2,523 |
| Pretax return on assets | 1.0082% | 3,579 |
| Return on Equity (ROE) | 10.2164% | 2,013 |
| Retained earnings to average equity (ytd only) | 6.3906% | 2,024 |
| Net charge-offs to loans | 0.1647% | 1,505 |
| Credit loss provision to net charge-offs | 197.0588% | 1,353 |
| Earnings coverage of net charge-offs (x) | 16.1074% | 2,138 |
| Efficiency ratio | 72.1997% | 2,841 |
| Assets per employee ($millions) | 3.0546% | 5,485 |
| Cash dividends to net income (ytd only)* | 37.4479% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 5,736 |
| Loan loss allowance to noncurrent loans | 23.3776% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 1,299 |
| Noncurrent loans to loans | 2.9794% | 594 |
| Net loans and leases to total assets | 47.1344% | 5,141 |
| Net loans and leases to deposits | 52.8690% | 5,322 |
| Net loans and leases to core deposits | 53.8519% | 5,413 |
| Total domestic deposits to total assets | 89.1532% | 945 |
| Equity capital to assets | 10.4384% | 3,662 |
| Core capital (leverage) ratio | 10.0667% | 3,540 |
| Tier 1 risk-based capital ratio | 16.4073% | 2,625 |
| Total risk-based capital ratio | 16.9437% | 2,891 |
| Memoranda: | ||
| Average total assets | $190,701,000 | 3,067 |
| Average earning assets | $177,251,750 | 3,053 |
| Average equity | $18,819,000 | 3,308 |
| Average total loans | $82,583,750 | 3,792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,797 |
| Cost of funding earning assets | 0.3428% | 3,891 |
| Net interest margin | 3.2304% | 4,561 |
| Noninterest income to average assets | 0.9211% | 1,386 |
| Noninterest expense to average assets | 2.9590% | 2,681 |
| Loan and lease loss provision to assets | 0.1249% | 1,773 |
| Net operating income to assets | 0.8389% | 3,174 |
| Return on assets (ROA) | 0.8389% | 3,283 |
| Pretax return on assets | 0.8389% | 4,172 |
| Return on Equity (ROE) | 8.6626% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.2991% | 3,289 |
| Net charge-offs to loans | 0.2332% | 1,112 |
| Credit loss provision to net charge-offs | 127.6596% | 1,722 |
| Earnings coverage of net charge-offs (x) | 9.8511% | 2,414 |
| Efficiency ratio | 75.4311% | 2,467 |
| Assets per employee ($millions) | 2.9476% | 5,655 |
| Cash dividends to net income (ytd only)* | 50.3722% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 5,949 |
| Loan loss allowance to noncurrent loans | 23.0966% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 1,615 |
| Noncurrent loans to loans | 2.6633% | 820 |
| Net loans and leases to total assets | 46.5062% | 5,213 |
| Net loans and leases to deposits | 51.9038% | 5,388 |
| Net loans and leases to core deposits | 53.0754% | 5,481 |
| Total domestic deposits to total assets | 89.6006% | 842 |
| Equity capital to assets | 9.9053% | 4,150 |
| Core capital (leverage) ratio | 9.4379% | 4,367 |
| Tier 1 risk-based capital ratio | 15.8711% | 2,919 |
| Total risk-based capital ratio | 16.3410% | 3,248 |
| Memoranda: | ||
| Average total assets | $192,157,670 | 3,073 |
| Average earning assets | $178,554,330 | 3,062 |
| Average equity | $18,608,670 | 3,344 |
| Average total loans | $80,631,000 | 3,858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 5,192 |
| Cost of funding earning assets | 0.3466% | 3,902 |
| Net interest margin | 3.0592% | 5,064 |
| Noninterest income to average assets | 0.9427% | 1,258 |
| Noninterest expense to average assets | 2.9498% | 2,740 |
| Loan and lease loss provision to assets | 0.1238% | 1,683 |
| Net operating income to assets | 0.7096% | 3,748 |
| Return on assets (ROA) | 0.7096% | 3,876 |
| Pretax return on assets | 0.7096% | 4,561 |
| Return on Equity (ROE) | 7.4098% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.9849% | 3,610 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9716% | 2,192 |
| Assets per employee ($millions) | 3.0870% | 5,561 |
| Cash dividends to net income (ytd only)* | 46.2209% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 5,782 |
| Loan loss allowance to noncurrent loans | 15.5066% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.1426% | 1,075 |
| Noncurrent loans to loans | 4.9106% | 280 |
| Net loans and leases to total assets | 38.0622% | 5,718 |
| Net loans and leases to deposits | 42.2641% | 5,821 |
| Net loans and leases to core deposits | 43.0840% | 5,867 |
| Total domestic deposits to total assets | 90.0580% | 721 |
| Equity capital to assets | 9.5128% | 4,738 |
| Core capital (leverage) ratio | 9.2905% | 4,591 |
| Tier 1 risk-based capital ratio | 17.8629% | 2,180 |
| Total risk-based capital ratio | 18.4315% | 2,370 |
| Memoranda: | ||
| Average total assets | $193,913,500 | 3,070 |
| Average earning assets | $180,048,500 | 3,070 |
| Average equity | $18,570,000 | 3,376 |
| Average total loans | $76,809,000 | 3,995 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 5,413 |
| Cost of funding earning assets | 0.3792% | 3,920 |
| Net interest margin | 3.0828% | 5,246 |
| Noninterest income to average assets | 0.7507% | 2,073 |
| Noninterest expense to average assets | 2.7376% | 3,723 |
| Loan and lease loss provision to assets | 0.0826% | 2,831 |
| Net operating income to assets | 0.8107% | 3,320 |
| Return on assets (ROA) | 0.8107% | 3,406 |
| Pretax return on assets | 0.8107% | 4,218 |
| Return on Equity (ROE) | 8.2678% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.4086% | 5,136 |
| Net charge-offs to loans | 0.1101% | 2,940 |
| Credit loss provision to net charge-offs | 180.3279% | 1,347 |
| Earnings coverage of net charge-offs (x) | 19.5082% | 1,780 |
| Efficiency ratio | 75.3980% | 2,616 |
| Assets per employee ($millions) | 3.1190% | 5,534 |
| Cash dividends to net income (ytd only)* | 82.9630% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 6,053 |
| Loan loss allowance to noncurrent loans | 18.3434% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 1,518 |
| Noncurrent loans to loans | 3.6137% | 552 |
| Net loans and leases to total assets | 40.6426% | 5,702 |
| Net loans and leases to deposits | 45.2355% | 5,830 |
| Net loans and leases to core deposits | 45.9560% | 5,894 |
| Total domestic deposits to total assets | 89.8466% | 799 |
| Equity capital to assets | 9.6425% | 4,539 |
| Core capital (leverage) ratio | 11.1815% | 2,234 |
| Tier 1 risk-based capital ratio | 19.0938% | 1,817 |
| Total risk-based capital ratio | 19.6489% | 1,987 |
| Memoranda: | ||
| Average total assets | $133,217,800 | 3,917 |
| Average earning assets | $124,465,800 | 3,871 |
| Average equity | $13,062,800 | 4,180 |
| Average total loans | $55,394,000 | 4,632 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,966 |
| Cost of funding earning assets | 0.4085% | 3,697 |
| Net interest margin | 3.2534% | 4,782 |
| Noninterest income to average assets | 0.6221% | 2,736 |
| Noninterest expense to average assets | 2.7146% | 3,772 |
| Loan and lease loss provision to assets | 0.1009% | 2,353 |
| Net operating income to assets | 0.8597% | 3,126 |
| Return on assets (ROA) | 0.8597% | 3,218 |
| Pretax return on assets | 0.8597% | 4,147 |
| Return on Equity (ROE) | 8.7092% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.3156% | 4,261 |
| Net charge-offs to loans | 0.1098% | 2,699 |
| Credit loss provision to net charge-offs | 219.5122% | 1,177 |
| Earnings coverage of net charge-offs (x) | 20.9007% | 1,704 |
| Efficiency ratio | 73.8640% | 2,842 |
| Assets per employee ($millions) | 3.1912% | 5,447 |
| Cash dividends to net income (ytd only)* | 61.9299% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,607 |
| Loan loss allowance to noncurrent loans | 35.6798% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 2,509 |
| Noncurrent loans to loans | 2.5147% | 1,165 |
| Net loans and leases to total assets | 48.3625% | 5,171 |
| Net loans and leases to deposits | 53.9333% | 5,395 |
| Net loans and leases to core deposits | 54.9130% | 5,508 |
| Total domestic deposits to total assets | 89.6710% | 893 |
| Equity capital to assets | 10.1690% | 3,968 |
| Core capital (leverage) ratio | 10.3966% | 3,162 |
| Tier 1 risk-based capital ratio | 19.0978% | 1,884 |
| Total risk-based capital ratio | 19.9178% | 1,966 |
| Memoranda: | ||
| Average total assets | $118,957,000 | 4,240 |
| Average earning assets | $111,636,000 | 4,180 |
| Average equity | $11,742,000 | 4,435 |
| Average total loans | $49,781,750 | 4,874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 5,762 |
| Cost of funding earning assets | 0.4143% | 3,717 |
| Net interest margin | 2.9123% | 5,718 |
| Noninterest income to average assets | 0.5920% | 2,852 |
| Noninterest expense to average assets | 2.7673% | 3,624 |
| Loan and lease loss provision to assets | 0.1006% | 2,341 |
| Net operating income to assets | 0.4595% | 4,976 |
| Return on assets (ROA) | 0.4595% | 5,045 |
| Pretax return on assets | 0.4595% | 5,394 |
| Return on Equity (ROE) | 4.7024% | 4,817 |
| Retained earnings to average equity (ytd only) | -0.9782% | 5,850 |
| Net charge-offs to loans | 0.1696% | 2,037 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 8.3500% | 2,504 |
| Efficiency ratio | 83.1653% | 1,610 |
| Assets per employee ($millions) | 3.0637% | 5,664 |
| Cash dividends to net income (ytd only)* | 120.8029% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 5,881 |
| Loan loss allowance to noncurrent loans | 40.2640% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 2,986 |
| Noncurrent loans to loans | 2.1035% | 1,584 |
| Net loans and leases to total assets | 49.0706% | 5,069 |
| Net loans and leases to deposits | 54.6114% | 5,313 |
| Net loans and leases to core deposits | 55.6130% | 5,436 |
| Total domestic deposits to total assets | 89.8542% | 880 |
| Equity capital to assets | 10.0273% | 4,067 |
| Core capital (leverage) ratio | 9.9138% | 3,723 |
| Tier 1 risk-based capital ratio | 18.7778% | 1,980 |
| Total risk-based capital ratio | 19.5616% | 2,096 |
| Memoranda: | ||
| Average total assets | $119,251,000 | 4,258 |
| Average earning assets | $112,007,670 | 4,186 |
| Average equity | $11,653,670 | 4,459 |
| Average total loans | $47,168,670 | 4,996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9471% | 6,287 |
| Cost of funding earning assets | 0.4160% | 3,806 |
| Net interest margin | 2.5311% | 6,309 |
| Noninterest income to average assets | 0.5602% | 2,985 |
| Noninterest expense to average assets | 2.7647% | 3,701 |
| Loan and lease loss provision to assets | 0.0994% | 2,268 |
| Net operating income to assets | 0.0762% | 6,078 |
| Return on assets (ROA) | 0.0762% | 6,102 |
| Pretax return on assets | 0.0762% | 6,112 |
| Return on Equity (ROE) | 0.7901% | 6,084 |
| Retained earnings to average equity (ytd only) | -2.7827% | 5,944 |
| Net charge-offs to loans | 0.4387% | 828 |
| Credit loss provision to net charge-offs | 65.2174% | 2,050 |
| Earnings coverage of net charge-offs (x) | 1.1522% | 3,163 |
| Efficiency ratio | 94.0248% | 750 |
| Assets per employee ($millions) | 3.1827% | 5,552 |
| Cash dividends to net income (ytd only)* | 452.1739% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 5,272 |
| Loan loss allowance to noncurrent loans | 26.0819% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 2,477 |
| Noncurrent loans to loans | 4.0822% | 650 |
| Net loans and leases to total assets | 34.7282% | 6,137 |
| Net loans and leases to deposits | 38.4551% | 6,228 |
| Net loans and leases to core deposits | 39.1282% | 6,269 |
| Total domestic deposits to total assets | 90.3086% | 910 |
| Equity capital to assets | 9.6013% | 4,352 |
| Core capital (leverage) ratio | 9.6348% | 4,089 |
| Tier 1 risk-based capital ratio | 22.8252% | 1,161 |
| Total risk-based capital ratio | 23.7094% | 1,193 |
| Memoranda: | ||
| Average total assets | $120,665,500 | 4,262 |
| Average earning assets | $113,467,000 | 4,190 |
| Average equity | $11,643,500 | 4,483 |
| Average total loans | $41,944,500 | 5,242 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 5,098 |
| Cost of funding earning assets | 0.4349% | 4,265 |
| Net interest margin | 3.2762% | 4,751 |
| Noninterest income to average assets | 0.6404% | 2,862 |
| Noninterest expense to average assets | 2.8405% | 3,569 |
| Loan and lease loss provision to assets | 0.0997% | 3,141 |
| Net operating income to assets | 0.7617% | 3,490 |
| Return on assets (ROA) | 0.7617% | 3,586 |
| Pretax return on assets | 0.7617% | 4,293 |
| Return on Equity (ROE) | 7.4509% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.4071% | 5,192 |
| Net charge-offs to loans | 0.1963% | 2,892 |
| Credit loss provision to net charge-offs | 127.7778% | 1,840 |
| Earnings coverage of net charge-offs (x) | 11.0444% | 2,283 |
| Efficiency ratio | 76.7322% | 2,670 |
| Assets per employee ($millions) | 3.1681% | 5,553 |
| Cash dividends to net income (ytd only)* | 81.1149% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,002 |
| Loan loss allowance to noncurrent loans | 33.2150% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 3,057 |
| Noncurrent loans to loans | 3.4004% | 942 |
| Net loans and leases to total assets | 34.0297% | 6,299 |
| Net loans and leases to deposits | 37.7394% | 6,377 |
| Net loans and leases to core deposits | 38.4027% | 6,404 |
| Total domestic deposits to total assets | 90.1702% | 989 |
| Equity capital to assets | 9.6977% | 4,169 |
| Core capital (leverage) ratio | 9.4982% | 4,273 |
| Tier 1 risk-based capital ratio | 22.7592% | 1,138 |
| Total risk-based capital ratio | 23.6658% | 1,169 |
| Memoranda: | ||
| Average total assets | $115,402,400 | 4,373 |
| Average earning assets | $107,838,400 | 4,314 |
| Average equity | $11,797,200 | 4,486 |
| Average total loans | $45,846,800 | 5,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,523 |
| Cost of funding earning assets | 0.4366% | 4,429 |
| Net interest margin | 3.4578% | 4,066 |
| Noninterest income to average assets | 0.6727% | 2,764 |
| Noninterest expense to average assets | 2.7027% | 4,011 |
| Loan and lease loss provision to assets | 0.0993% | 3,104 |
| Net operating income to assets | 1.0991% | 2,010 |
| Return on assets (ROA) | 1.0991% | 2,084 |
| Pretax return on assets | 1.0991% | 3,114 |
| Return on Equity (ROE) | 10.6076% | 1,956 |
| Retained earnings to average equity (ytd only) | 7.2709% | 1,756 |
| Net charge-offs to loans | 0.0426% | 4,303 |
| Credit loss provision to net charge-offs | 566.6667% | 494 |
| Earnings coverage of net charge-offs (x) | 68.3985% | 674 |
| Efficiency ratio | 69.2814% | 3,875 |
| Assets per employee ($millions) | 2.9123% | 5,990 |
| Cash dividends to net income (ytd only)* | 31.4560% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,578 |
| Loan loss allowance to noncurrent loans | 46.5517% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 3,825 |
| Noncurrent loans to loans | 2.2245% | 1,985 |
| Net loans and leases to total assets | 41.0589% | 5,963 |
| Net loans and leases to deposits | 45.7827% | 6,120 |
| Net loans and leases to core deposits | 46.5960% | 6,186 |
| Total domestic deposits to total assets | 89.6821% | 1,178 |
| Equity capital to assets | 10.1362% | 3,724 |
| Core capital (leverage) ratio | 10.7748% | 2,696 |
| Tier 1 risk-based capital ratio | 20.2900% | 1,660 |
| Total risk-based capital ratio | 21.1413% | 1,732 |
| Memoranda: | ||
| Average total assets | $114,155,750 | 4,444 |
| Average earning assets | $106,577,750 | 4,393 |
| Average equity | $11,827,750 | 4,531 |
| Average total loans | $46,949,500 | 5,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 5,201 |
| Cost of funding earning assets | 0.4380% | 4,566 |
| Net interest margin | 3.2450% | 4,790 |
| Noninterest income to average assets | 0.6654% | 2,823 |
| Noninterest expense to average assets | 2.7401% | 3,892 |
| Loan and lease loss provision to assets | 0.1157% | 2,878 |
| Net operating income to assets | 0.8416% | 3,090 |
| Return on assets (ROA) | 0.8416% | 3,248 |
| Pretax return on assets | 0.8416% | 4,151 |
| Return on Equity (ROE) | 8.0607% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.4479% | 3,435 |
| Net charge-offs to loans | -0.0434% | 6,217 |
| Credit loss provision to net charge-offs | -650.0000% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1097% | 3,109 |
| Assets per employee ($millions) | 2.7521% | 6,219 |
| Cash dividends to net income (ytd only)* | 44.8203% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,033 |
| Loan loss allowance to noncurrent loans | 30.6147% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4995% | 2,853 |
| Noncurrent loans to loans | 3.0599% | 1,452 |
| Net loans and leases to total assets | 48.5457% | 5,275 |
| Net loans and leases to deposits | 54.2518% | 5,502 |
| Net loans and leases to core deposits | 55.2721% | 5,657 |
| Total domestic deposits to total assets | 89.4823% | 1,337 |
| Equity capital to assets | 10.3804% | 3,452 |
| Core capital (leverage) ratio | 10.5220% | 2,855 |
| Tier 1 risk-based capital ratio | 19.6480% | 1,813 |
| Total risk-based capital ratio | 20.5073% | 1,892 |
| Memoranda: | ||
| Average total assets | $112,406,330 | 4,525 |
| Average earning assets | $105,023,330 | 4,456 |
| Average equity | $11,736,000 | 4,581 |
| Average total loans | $46,086,330 | 5,185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 6,132 |
| Cost of funding earning assets | 0.4350% | 4,755 |
| Net interest margin | 2.8774% | 5,863 |
| Noninterest income to average assets | 0.6382% | 2,944 |
| Noninterest expense to average assets | 2.7453% | 3,900 |
| Loan and lease loss provision to assets | 0.1248% | 2,672 |
| Net operating income to assets | 0.4564% | 4,884 |
| Return on assets (ROA) | 0.4564% | 5,047 |
| Pretax return on assets | 0.4564% | 5,396 |
| Return on Equity (ROE) | 4.3584% | 4,921 |
| Retained earnings to average equity (ytd only) | 1.4982% | 5,236 |
| Net charge-offs to loans | -0.0771% | 6,328 |
| Credit loss provision to net charge-offs | -437.5000% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5295% | 1,960 |
| Assets per employee ($millions) | 2.8259% | 6,247 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,326 |
| Loan loss allowance to noncurrent loans | 33.7032% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 3,428 |
| Noncurrent loans to loans | 3.4701% | 1,386 |
| Net loans and leases to total assets | 36.3327% | 6,274 |
| Net loans and leases to deposits | 40.5920% | 6,391 |
| Net loans and leases to core deposits | 41.0423% | 6,436 |
| Total domestic deposits to total assets | 89.5069% | 1,354 |
| Equity capital to assets | 10.3958% | 3,676 |
| Core capital (leverage) ratio | 10.2319% | 3,104 |
| Tier 1 risk-based capital ratio | 21.3814% | 1,452 |
| Total risk-based capital ratio | 22.2751% | 1,502 |
| Memoranda: | ||
| Average total assets | $112,190,500 | 4,573 |
| Average earning assets | $104,816,000 | 4,498 |
| Average equity | $11,747,500 | 4,621 |
| Average total loans | $41,481,500 | 5,396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 4,053 |
| Cost of funding earning assets | 0.4710% | 5,416 |
| Net interest margin | 3.8704% | 2,945 |
| Noninterest income to average assets | 0.6745% | 2,859 |
| Noninterest expense to average assets | 3.0665% | 3,021 |
| Loan and lease loss provision to assets | 0.1696% | 3,501 |
| Net operating income to assets | 1.0307% | 2,209 |
| Return on assets (ROA) | 1.0307% | 2,411 |
| Pretax return on assets | 1.0307% | 3,433 |
| Return on Equity (ROE) | 9.3289% | 2,473 |
| Retained earnings to average equity (ytd only) | 1.4496% | 5,144 |
| Net charge-offs to loans | 0.2170% | 3,655 |
| Credit loss provision to net charge-offs | 174.7573% | 1,510 |
| Earnings coverage of net charge-offs (x) | 12.3689% | 1,935 |
| Efficiency ratio | 71.8702% | 3,435 |
| Assets per employee ($millions) | 3.0093% | 6,003 |
| Cash dividends to net income (ytd only)* | 84.4607% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,676 |
| Loan loss allowance to noncurrent loans | 34.3677% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 3,726 |
| Noncurrent loans to loans | 3.1129% | 1,662 |
| Net loans and leases to total assets | 36.7911% | 6,385 |
| Net loans and leases to deposits | 41.1998% | 6,490 |
| Net loans and leases to core deposits | 41.6637% | 6,559 |
| Total domestic deposits to total assets | 89.2990% | 1,373 |
| Equity capital to assets | 10.5474% | 3,471 |
| Core capital (leverage) ratio | 10.0759% | 3,305 |
| Tier 1 risk-based capital ratio | 21.2133% | 1,415 |
| Total risk-based capital ratio | 22.0240% | 1,481 |
| Memoranda: | ||
| Average total assets | $106,145,800 | 4,673 |
| Average earning assets | $98,517,400 | 4,625 |
| Average equity | $11,727,000 | 4,626 |
| Average total loans | $47,473,400 | 5,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 3,188 |
| Cost of funding earning assets | 0.4814% | 5,560 |
| Net interest margin | 4.1211% | 2,019 |
| Noninterest income to average assets | 0.6676% | 2,889 |
| Noninterest expense to average assets | 2.8778% | 3,678 |
| Loan and lease loss provision to assets | 0.1717% | 3,412 |
| Net operating income to assets | 1.4395% | 1,144 |
| Return on assets (ROA) | 1.4395% | 1,266 |
| Pretax return on assets | 1.4395% | 2,117 |
| Return on Equity (ROE) | 12.8750% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.5512% | 2,360 |
| Net charge-offs to loans | 0.2150% | 3,439 |
| Credit loss provision to net charge-offs | 170.8861% | 1,626 |
| Earnings coverage of net charge-offs (x) | 16.0381% | 1,719 |
| Efficiency ratio | 64.1076% | 4,789 |
| Assets per employee ($millions) | 2.7961% | 6,358 |
| Cash dividends to net income (ytd only)* | 49.1161% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 6,459 |
| Loan loss allowance to noncurrent loans | 29.5518% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3095% | 3,676 |
| Noncurrent loans to loans | 2.9431% | 1,897 |
| Net loans and leases to total assets | 44.1080% | 5,964 |
| Net loans and leases to deposits | 49.7682% | 6,127 |
| Net loans and leases to core deposits | 50.3433% | 6,265 |
| Total domestic deposits to total assets | 88.6268% | 1,642 |
| Equity capital to assets | 11.1696% | 3,072 |
| Core capital (leverage) ratio | 11.4292% | 2,036 |
| Tier 1 risk-based capital ratio | 20.9697% | 1,533 |
| Total risk-based capital ratio | 21.7072% | 1,612 |
| Memoranda: | ||
| Average total assets | $104,846,000 | 4,754 |
| Average earning assets | $97,219,750 | 4,709 |
| Average equity | $11,722,750 | 4,670 |
| Average total loans | $48,989,750 | 5,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 4,179 |
| Cost of funding earning assets | 0.4912% | 5,678 |
| Net interest margin | 3.9112% | 2,861 |
| Noninterest income to average assets | 0.6979% | 2,685 |
| Noninterest expense to average assets | 2.9445% | 3,459 |
| Loan and lease loss provision to assets | 0.1740% | 3,365 |
| Net operating income to assets | 1.2122% | 1,675 |
| Return on assets (ROA) | 1.2122% | 1,868 |
| Pretax return on assets | 1.2122% | 2,868 |
| Return on Equity (ROE) | 10.8381% | 2,051 |
| Retained earnings to average equity (ytd only) | 2.6793% | 4,840 |
| Net charge-offs to loans | 0.0326% | 4,919 |
| Credit loss provision to net charge-offs | 1,125.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 89.6250% | 468 |
| Efficiency ratio | 67.9911% | 4,126 |
| Assets per employee ($millions) | 2.7723% | 6,443 |
| Cash dividends to net income (ytd only)* | 75.2791% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 6,766 |
| Loan loss allowance to noncurrent loans | 19.7357% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 2.2423% | 2,496 |
| Noncurrent loans to loans | 3.7772% | 1,485 |
| Net loans and leases to total assets | 58.1522% | 4,132 |
| Net loans and leases to deposits | 65.7768% | 4,532 |
| Net loans and leases to core deposits | 66.5206% | 4,940 |
| Total domestic deposits to total assets | 88.4084% | 1,878 |
| Equity capital to assets | 11.4308% | 2,657 |
| Core capital (leverage) ratio | 11.2219% | 2,106 |
| Tier 1 risk-based capital ratio | 18.7874% | 2,032 |
| Total risk-based capital ratio | 19.5145% | 2,175 |
| Memoranda: | ||
| Average total assets | $103,446,000 | 4,814 |
| Average earning assets | $96,083,330 | 4,764 |
| Average equity | $11,570,330 | 4,699 |
| Average total loans | $49,146,330 | 5,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 5,975 |
| Cost of funding earning assets | 0.5002% | 5,820 |
| Net interest margin | 3.4187% | 5,035 |
| Noninterest income to average assets | 0.6161% | 3,128 |
| Noninterest expense to average assets | 2.9688% | 3,395 |
| Loan and lease loss provision to assets | 0.1733% | 3,232 |
| Net operating income to assets | 0.6584% | 4,087 |
| Return on assets (ROA) | 0.6584% | 4,295 |
| Pretax return on assets | 0.6584% | 4,913 |
| Return on Equity (ROE) | 5.9514% | 4,319 |
| Retained earnings to average equity (ytd only) | -4.1068% | 6,507 |
| Net charge-offs to loans | 0.0458% | 4,062 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 700 |
| Efficiency ratio | 78.1155% | 2,482 |
| Assets per employee ($millions) | 2.8380% | 6,453 |
| Cash dividends to net income (ytd only)* | 169.0058% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,502 |
| Loan loss allowance to noncurrent loans | 16.4444% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 2.3894% | 2,489 |
| Noncurrent loans to loans | 5.5622% | 954 |
| Net loans and leases to total assets | 41.9881% | 6,195 |
| Net loans and leases to deposits | 47.1692% | 6,347 |
| Net loans and leases to core deposits | 47.6860% | 6,474 |
| Total domestic deposits to total assets | 89.0159% | 1,689 |
| Equity capital to assets | 10.8889% | 3,042 |
| Core capital (leverage) ratio | 11.1006% | 2,186 |
| Tier 1 risk-based capital ratio | 20.6507% | 1,553 |
| Total risk-based capital ratio | 21.3943% | 1,647 |
| Memoranda: | ||
| Average total assets | $103,882,000 | 4,836 |
| Average earning assets | $96,761,500 | 4,779 |
| Average equity | $11,493,000 | 4,729 |
| Average total loans | $43,671,000 | 5,483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 3,463 |
| Cost of funding earning assets | 0.6259% | 5,952 |
| Net interest margin | 4.2527% | 1,870 |
| Noninterest income to average assets | 0.7159% | 2,514 |
| Noninterest expense to average assets | 3.2606% | 2,655 |
| Loan and lease loss provision to assets | 0.1800% | 4,396 |
| Net operating income to assets | 1.2088% | 1,491 |
| Return on assets (ROA) | 1.2108% | 1,592 |
| Pretax return on assets | 1.2108% | 2,419 |
| Return on Equity (ROE) | 10.5633% | 1,858 |
| Retained earnings to average equity (ytd only) | 1.2997% | 5,247 |
| Net charge-offs to loans | 0.3114% | 3,843 |
| Credit loss provision to net charge-offs | 120.0000% | 2,656 |
| Earnings coverage of net charge-offs (x) | 9.2600% | 2,008 |
| Efficiency ratio | 70.1290% | 3,921 |
| Assets per employee ($millions) | 2.7772% | 6,490 |
| Cash dividends to net income (ytd only)* | 87.6961% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,630 |
| Loan loss allowance to noncurrent loans | 28.9661% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 4,109 |
| Noncurrent loans to loans | 2.9572% | 2,197 |
| Net loans and leases to total assets | 41.3379% | 6,440 |
| Net loans and leases to deposits | 46.6627% | 6,587 |
| Net loans and leases to core deposits | 47.1868% | 6,683 |
| Total domestic deposits to total assets | 88.5887% | 1,791 |
| Equity capital to assets | 11.2419% | 2,746 |
| Core capital (leverage) ratio | 10.9601% | 2,304 |
| Tier 1 risk-based capital ratio | 21.2526% | 1,369 |
| Total risk-based capital ratio | 21.9355% | 1,454 |
| Memoranda: | ||
| Average total assets | $100,012,600 | 4,893 |
| Average earning assets | $92,506,400 | 4,842 |
| Average equity | $11,464,200 | 4,669 |
| Average total loans | $48,172,800 | 5,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 2,529 |
| Cost of funding earning assets | 0.6568% | 6,002 |
| Net interest margin | 4.4595% | 1,246 |
| Noninterest income to average assets | 0.7678% | 2,210 |
| Noninterest expense to average assets | 3.0686% | 3,287 |
| Loan and lease loss provision to assets | 0.1812% | 4,219 |
| Net operating income to assets | 1.6377% | 724 |
| Return on assets (ROA) | 1.6377% | 789 |
| Pretax return on assets | 1.6377% | 1,284 |
| Return on Equity (ROE) | 14.2160% | 997 |
| Retained earnings to average equity (ytd only) | 6.7701% | 2,099 |
| Net charge-offs to loans | 0.3232% | 3,483 |
| Credit loss provision to net charge-offs | 112.5000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.2914% | 1,823 |
| Efficiency ratio | 62.7849% | 5,279 |
| Assets per employee ($millions) | 2.7421% | 6,592 |
| Cash dividends to net income (ytd only)* | 52.3770% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,015 |
| Loan loss allowance to noncurrent loans | 27.0625% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 4,182 |
| Noncurrent loans to loans | 2.4393% | 2,833 |
| Net loans and leases to total assets | 52.0600% | 5,439 |
| Net loans and leases to deposits | 59.2055% | 5,730 |
| Net loans and leases to core deposits | 60.0694% | 5,988 |
| Total domestic deposits to total assets | 87.9310% | 2,073 |
| Equity capital to assets | 11.8483% | 2,377 |
| Core capital (leverage) ratio | 11.9949% | 1,712 |
| Tier 1 risk-based capital ratio | 20.5535% | 1,545 |
| Total risk-based capital ratio | 21.1620% | 1,681 |
| Memoranda: | ||
| Average total assets | $99,326,250 | 4,944 |
| Average earning assets | $91,757,250 | 4,902 |
| Average equity | $11,442,250 | 4,707 |
| Average total loans | $49,504,750 | 5,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 4,261 |
| Cost of funding earning assets | 0.6896% | 6,021 |
| Net interest margin | 4.0673% | 2,541 |
| Noninterest income to average assets | 0.7666% | 2,174 |
| Noninterest expense to average assets | 3.1293% | 3,146 |
| Loan and lease loss provision to assets | 0.1825% | 4,092 |
| Net operating income to assets | 1.2229% | 1,505 |
| Return on assets (ROA) | 1.2229% | 1,583 |
| Pretax return on assets | 1.2229% | 2,391 |
| Return on Equity (ROE) | 10.7206% | 1,894 |
| Retained earnings to average equity (ytd only) | 1.2267% | 5,363 |
| Net charge-offs to loans | 0.5178% | 2,546 |
| Credit loss provision to net charge-offs | 72.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | 5.5440% | 2,588 |
| Efficiency ratio | 69.0072% | 4,329 |
| Assets per employee ($millions) | 2.6767% | 6,670 |
| Cash dividends to net income (ytd only)* | 88.5572% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4981% | 7,232 |
| Loan loss allowance to noncurrent loans | 11.2813% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 2,441 |
| Noncurrent loans to loans | 4.4149% | 1,517 |
| Net loans and leases to total assets | 60.9184% | 4,106 |
| Net loans and leases to deposits | 69.0198% | 4,563 |
| Net loans and leases to core deposits | 70.0455% | 5,071 |
| Total domestic deposits to total assets | 88.2622% | 1,987 |
| Equity capital to assets | 11.5702% | 2,442 |
| Core capital (leverage) ratio | 11.4322% | 1,954 |
| Tier 1 risk-based capital ratio | 18.8167% | 1,902 |
| Total risk-based capital ratio | 19.3177% | 2,109 |
| Memoranda: | ||
| Average total assets | $98,615,670 | 4,997 |
| Average earning assets | $91,362,000 | 4,951 |
| Average equity | $11,249,330 | 4,750 |
| Average total loans | $48,283,000 | 5,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 6,527 |
| Cost of funding earning assets | 0.7219% | 6,018 |
| Net interest margin | 3.3643% | 5,563 |
| Noninterest income to average assets | 0.7317% | 2,382 |
| Noninterest expense to average assets | 3.0852% | 3,314 |
| Loan and lease loss provision to assets | 0.1829% | 3,783 |
| Net operating income to assets | 0.5894% | 4,086 |
| Return on assets (ROA) | 0.5894% | 4,156 |
| Pretax return on assets | 0.5894% | 4,727 |
| Return on Equity (ROE) | 5.2044% | 4,288 |
| Retained earnings to average equity (ytd only) | -6.8554% | 6,668 |
| Net charge-offs to loans | 0.6650% | 1,878 |
| Credit loss provision to net charge-offs | 64.2857% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 2,994 |
| Efficiency ratio | 79.9789% | 2,540 |
| Assets per employee ($millions) | 2.5261% | 6,955 |
| Cash dividends to net income (ytd only)* | 231.7241% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 7,041 |
| Loan loss allowance to noncurrent loans | 11.1710% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 2.8634% | 2,408 |
| Noncurrent loans to loans | 6.5111% | 913 |
| Net loans and leases to total assets | 43.0855% | 6,538 |
| Net loans and leases to deposits | 48.5869% | 6,715 |
| Net loans and leases to core deposits | 50.3099% | 6,760 |
| Total domestic deposits to total assets | 88.6772% | 1,973 |
| Equity capital to assets | 11.2051% | 2,499 |
| Core capital (leverage) ratio | 11.2058% | 2,029 |
| Tier 1 risk-based capital ratio | 21.2981% | 1,348 |
| Total risk-based capital ratio | 21.8959% | 1,430 |
| Memoranda: | ||
| Average total assets | $98,404,000 | 5,044 |
| Average earning assets | $91,430,000 | 4,989 |
| Average equity | $11,144,500 | 4,761 |
| Average total loans | $42,107,000 | 5,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 4,019 |
| Cost of funding earning assets | 0.8670% | 6,313 |
| Net interest margin | 4.2498% | 1,996 |
| Noninterest income to average assets | 0.6639% | 3,057 |
| Noninterest expense to average assets | 3.3155% | 2,686 |
| Loan and lease loss provision to assets | 0.1780% | 5,439 |
| Net operating income to assets | 1.0818% | 1,756 |
| Return on assets (ROA) | 1.0818% | 1,849 |
| Pretax return on assets | 1.0818% | 2,651 |
| Return on Equity (ROE) | 9.1195% | 2,247 |
| Retained earnings to average equity (ytd only) | 1.6420% | 4,697 |
| Net charge-offs to loans | 0.3598% | 4,219 |
| Credit loss provision to net charge-offs | 99.4152% | 4,654 |
| Earnings coverage of net charge-offs (x) | 7.0351% | 2,214 |
| Efficiency ratio | 72.4651% | 3,710 |
| Assets per employee ($millions) | 2.7303% | 6,641 |
| Cash dividends to net income (ytd only)* | 81.9942% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 6,943 |
| Loan loss allowance to noncurrent loans | 21.4013% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 1.6492% | 3,823 |
| Noncurrent loans to loans | 3.7871% | 1,954 |
| Net loans and leases to total assets | 41.8354% | 6,856 |
| Net loans and leases to deposits | 47.3471% | 6,981 |
| Net loans and leases to core deposits | 49.4617% | 7,003 |
| Total domestic deposits to total assets | 88.3589% | 2,033 |
| Equity capital to assets | 11.4457% | 2,310 |
| Core capital (leverage) ratio | 11.0939% | 2,088 |
| Tier 1 risk-based capital ratio | 20.9700% | 1,322 |
| Total risk-based capital ratio | 21.5951% | 1,404 |
| Memoranda: | ||
| Average total assets | $95,490,400 | 5,114 |
| Average earning assets | $87,885,600 | 5,081 |
| Average equity | $11,327,400 | 4,784 |
| Average total loans | $47,532,200 | 5,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 3,181 |
| Cost of funding earning assets | 0.8806% | 6,471 |
| Net interest margin | 4.4552% | 1,356 |
| Noninterest income to average assets | 0.7272% | 2,659 |
| Noninterest expense to average assets | 3.1690% | 3,033 |
| Loan and lease loss provision to assets | 0.1758% | 5,283 |
| Net operating income to assets | 1.4741% | 966 |
| Return on assets (ROA) | 1.4741% | 1,046 |
| Pretax return on assets | 1.4741% | 1,670 |
| Return on Equity (ROE) | 12.3145% | 1,420 |
| Retained earnings to average equity (ytd only) | 6.4628% | 2,112 |
| Net charge-offs to loans | 0.2392% | 4,509 |
| Credit loss provision to net charge-offs | 142.0455% | 2,781 |
| Earnings coverage of net charge-offs (x) | 13.3296% | 1,591 |
| Efficiency ratio | 65.7618% | 4,912 |
| Assets per employee ($millions) | 2.6294% | 6,884 |
| Cash dividends to net income (ytd only)* | 47.5188% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 7,196 |
| Loan loss allowance to noncurrent loans | 22.0710% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9322% | 3,571 |
| Noncurrent loans to loans | 3.1794% | 2,503 |
| Net loans and leases to total assets | 55.7591% | 5,579 |
| Net loans and leases to deposits | 63.7791% | 5,941 |
| Net loans and leases to core deposits | 64.8519% | 6,223 |
| Total domestic deposits to total assets | 87.4254% | 2,305 |
| Equity capital to assets | 12.3401% | 1,949 |
| Core capital (leverage) ratio | 12.4327% | 1,447 |
| Tier 1 risk-based capital ratio | 20.3908% | 1,464 |
| Total risk-based capital ratio | 21.0444% | 1,557 |
| Memoranda: | ||
| Average total assets | $94,790,500 | 5,198 |
| Average earning assets | $87,057,000 | 5,173 |
| Average equity | $11,346,750 | 4,849 |
| Average total loans | $49,051,250 | 5,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 5,065 |
| Cost of funding earning assets | 0.8863% | 6,638 |
| Net interest margin | 4.0866% | 2,621 |
| Noninterest income to average assets | 0.6728% | 2,868 |
| Noninterest expense to average assets | 3.1465% | 3,112 |
| Loan and lease loss provision to assets | 0.1687% | 5,190 |
| Net operating income to assets | 1.1304% | 1,756 |
| Return on assets (ROA) | 1.1304% | 1,823 |
| Pretax return on assets | 1.1304% | 2,669 |
| Return on Equity (ROE) | 9.5413% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.5099% | 4,558 |
| Net charge-offs to loans | 0.2894% | 3,888 |
| Credit loss provision to net charge-offs | 115.9420% | 3,503 |
| Earnings coverage of net charge-offs (x) | 8.9275% | 2,077 |
| Efficiency ratio | 70.7780% | 4,022 |
| Assets per employee ($millions) | 2.4458% | 7,167 |
| Cash dividends to net income (ytd only)* | 73.6940% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 7,405 |
| Loan loss allowance to noncurrent loans | 12.9285% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 3.0331% | 2,347 |
| Noncurrent loans to loans | 4.6960% | 1,519 |
| Net loans and leases to total assets | 61.1220% | 4,854 |
| Net loans and leases to deposits | 69.7185% | 5,322 |
| Net loans and leases to core deposits | 71.4719% | 5,727 |
| Total domestic deposits to total assets | 87.6697% | 2,175 |
| Equity capital to assets | 12.1452% | 2,016 |
| Core capital (leverage) ratio | 12.0282% | 1,627 |
| Tier 1 risk-based capital ratio | 18.7266% | 1,785 |
| Total risk-based capital ratio | 19.3054% | 1,915 |
| Memoranda: | ||
| Average total assets | $94,834,330 | 5,222 |
| Average earning assets | $87,554,670 | 5,194 |
| Average equity | $11,235,330 | 4,871 |
| Average total loans | $47,683,670 | 5,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 6,749 |
| Cost of funding earning assets | 0.9015% | 6,764 |
| Net interest margin | 3.6194% | 4,630 |
| Noninterest income to average assets | 0.7016% | 2,593 |
| Noninterest expense to average assets | 3.1489% | 3,059 |
| Loan and lease loss provision to assets | 0.1462% | 5,086 |
| Net operating income to assets | 0.7601% | 3,157 |
| Return on assets (ROA) | 0.7601% | 3,267 |
| Pretax return on assets | 0.7601% | 4,025 |
| Return on Equity (ROE) | 6.4948% | 3,622 |
| Retained earnings to average equity (ytd only) | 3.3544% | 4,145 |
| Net charge-offs to loans | 0.4377% | 2,736 |
| Credit loss provision to net charge-offs | 74.4681% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6170% | 2,592 |
| Efficiency ratio | 77.6519% | 2,952 |
| Assets per employee ($millions) | 2.2943% | 7,468 |
| Cash dividends to net income (ytd only)* | 48.3516% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 7,194 |
| Loan loss allowance to noncurrent loans | 10.0746% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 3.6176% | 1,940 |
| Noncurrent loans to loans | 7.6705% | 728 |
| Net loans and leases to total assets | 44.2270% | 6,974 |
| Net loans and leases to deposits | 50.3157% | 7,114 |
| Net loans and leases to core deposits | 52.9745% | 7,157 |
| Total domestic deposits to total assets | 87.8991% | 2,116 |
| Equity capital to assets | 11.9532% | 2,062 |
| Core capital (leverage) ratio | 11.7304% | 1,786 |
| Tier 1 risk-based capital ratio | 21.4020% | 1,286 |
| Total risk-based capital ratio | 22.0223% | 1,352 |
| Memoranda: | ||
| Average total assets | $95,780,500 | 5,266 |
| Average earning assets | $88,743,500 | 5,205 |
| Average equity | $11,209,000 | 4,922 |
| Average total loans | $42,948,000 | 5,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6601% | 3,293 |
| Cost of funding earning assets | 1.1981% | 6,664 |
| Net interest margin | 4.4620% | 1,266 |
| Noninterest income to average assets | 0.7012% | 2,966 |
| Noninterest expense to average assets | 3.5366% | 2,300 |
| Loan and lease loss provision to assets | 0.1089% | 6,558 |
| Net operating income to assets | 1.1880% | 1,277 |
| Return on assets (ROA) | 1.1880% | 1,323 |
| Pretax return on assets | 1.1880% | 1,987 |
| Return on Equity (ROE) | 9.8140% | 1,741 |
| Retained earnings to average equity (ytd only) | 3.0764% | 3,005 |
| Net charge-offs to loans | 0.5444% | 3,614 |
| Credit loss provision to net charge-offs | 38.9105% | 6,833 |
| Earnings coverage of net charge-offs (x) | 4.6342% | 2,873 |
| Efficiency ratio | 73.1696% | 4,060 |
| Assets per employee ($millions) | 2.4998% | 7,206 |
| Cash dividends to net income (ytd only)* | 68.6526% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 7,215 |
| Loan loss allowance to noncurrent loans | 20.1194% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7796% | 3,704 |
| Noncurrent loans to loans | 3.8095% | 1,962 |
| Net loans and leases to total assets | 44.7535% | 7,072 |
| Net loans and leases to deposits | 50.6654% | 7,220 |
| Net loans and leases to core deposits | 64.6812% | 7,047 |
| Total domestic deposits to total assets | 88.3316% | 1,806 |
| Equity capital to assets | 11.4612% | 2,342 |
| Core capital (leverage) ratio | 11.6973% | 1,813 |
| Tier 1 risk-based capital ratio | 20.9028% | 1,312 |
| Total risk-based capital ratio | 21.5382% | 1,372 |
| Memoranda: | ||
| Average total assets | $91,838,400 | 5,342 |
| Average earning assets | $85,051,400 | 5,296 |
| Average equity | $11,116,800 | 4,988 |
| Average total loans | $47,208,400 | 5,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7449% | 3,116 |
| Cost of funding earning assets | 1.2602% | 6,682 |
| Net interest margin | 4.4847% | 1,230 |
| Noninterest income to average assets | 0.7107% | 2,947 |
| Noninterest expense to average assets | 3.2984% | 2,929 |
| Loan and lease loss provision to assets | 0.1032% | 6,342 |
| Net operating income to assets | 1.4597% | 898 |
| Return on assets (ROA) | 1.4597% | 954 |
| Pretax return on assets | 1.4597% | 1,520 |
| Return on Equity (ROE) | 11.8889% | 1,385 |
| Retained earnings to average equity (ytd only) | 7.6618% | 1,245 |
| Net charge-offs to loans | 0.2943% | 4,186 |
| Credit loss provision to net charge-offs | 66.0377% | 6,064 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,026 |
| Efficiency ratio | 67.8496% | 5,010 |
| Assets per employee ($millions) | 2.3357% | 7,463 |
| Cash dividends to net income (ytd only)* | 35.5554% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 7,018 |
| Loan loss allowance to noncurrent loans | 25.1787% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 3,313 |
| Noncurrent loans to loans | 3.3034% | 2,285 |
| Net loans and leases to total assets | 59.9477% | 5,588 |
| Net loans and leases to deposits | 68.8092% | 6,052 |
| Net loans and leases to core deposits | 89.4171% | 5,491 |
| Total domestic deposits to total assets | 87.1217% | 2,119 |
| Equity capital to assets | 12.5973% | 1,883 |
| Core capital (leverage) ratio | 12.6179% | 1,532 |
| Tier 1 risk-based capital ratio | 20.3523% | 1,490 |
| Total risk-based capital ratio | 21.1712% | 1,527 |
| Memoranda: | ||
| Average total assets | $90,424,500 | 5,415 |
| Average earning assets | $83,689,000 | 5,383 |
| Average equity | $11,102,500 | 5,045 |
| Average total loans | $48,018,250 | 5,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 4,488 |
| Cost of funding earning assets | 1.2888% | 6,843 |
| Net interest margin | 4.2353% | 1,863 |
| Noninterest income to average assets | 0.6652% | 3,231 |
| Noninterest expense to average assets | 3.2660% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3193% | 1,190 |
| Return on assets (ROA) | 1.3193% | 1,259 |
| Pretax return on assets | 1.3193% | 1,966 |
| Return on Equity (ROE) | 10.8395% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.0301% | 2,007 |
| Net charge-offs to loans | 0.2890% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.0152% | 2,187 |
| Efficiency ratio | 71.2282% | 4,555 |
| Assets per employee ($millions) | 2.3097% | 7,538 |
| Cash dividends to net income (ytd only)* | 44.3697% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 7,168 |
| Loan loss allowance to noncurrent loans | 43.3943% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 1.1201% | 4,712 |
| Noncurrent loans to loans | 1.8344% | 3,758 |
| Net loans and leases to total assets | 59.0759% | 5,828 |
| Net loans and leases to deposits | 67.5832% | 6,241 |
| Net loans and leases to core deposits | 86.2298% | 5,881 |
| Total domestic deposits to total assets | 87.4122% | 2,049 |
| Equity capital to assets | 12.3680% | 1,998 |
| Core capital (leverage) ratio | 12.0329% | 1,815 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,439 |
| Total risk-based capital ratio | 21.5421% | 1,480 |
| Memoranda: | ||
| Average total assets | $90,202,330 | 5,453 |
| Average earning assets | $83,488,330 | 5,431 |
| Average equity | $10,978,330 | 5,093 |
| Average total loans | $45,669,330 | 5,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 6,371 |
| Cost of funding earning assets | 1.3263% | 6,945 |
| Net interest margin | 3.8545% | 3,232 |
| Noninterest income to average assets | 0.6736% | 3,047 |
| Noninterest expense to average assets | 3.1951% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0458% | 2,143 |
| Return on assets (ROA) | 1.0458% | 2,273 |
| Pretax return on assets | 1.0458% | 3,182 |
| Return on Equity (ROE) | 8.6629% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.4327% | 2,883 |
| Net charge-offs to loans | -0.1535% | 7,974 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3396% | 3,595 |
| Assets per employee ($millions) | 2.2823% | 7,616 |
| Cash dividends to net income (ytd only)* | 37.2881% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,560 |
| Loan loss allowance to noncurrent loans | 29.9824% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,074 |
| Noncurrent loans to loans | 4.1168% | 1,452 |
| Net loans and leases to total assets | 44.7005% | 7,288 |
| Net loans and leases to deposits | 50.8872% | 7,460 |
| Net loans and leases to core deposits | 67.0038% | 7,195 |
| Total domestic deposits to total assets | 87.8423% | 1,827 |
| Equity capital to assets | 11.9923% | 2,265 |
| Core capital (leverage) ratio | 11.9270% | 1,930 |
| Tier 1 risk-based capital ratio | 21.8601% | 1,317 |
| Total risk-based capital ratio | 22.8836% | 1,316 |
| Memoranda: | ||
| Average total assets | $90,264,000 | 5,474 |
| Average earning assets | $83,539,000 | 5,439 |
| Average equity | $10,897,000 | 5,136 |
| Average total loans | $41,683,000 | 6,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6268% | 2,362 |
| Cost of funding earning assets | 1.9575% | 6,544 |
| Net interest margin | 4.6693% | 1,028 |
| Noninterest income to average assets | 0.9221% | 1,884 |
| Noninterest expense to average assets | 3.4104% | 2,643 |
| Loan and lease loss provision to assets | 0.1489% | 5,452 |
| Net operating income to assets | 1.6909% | 693 |
| Return on assets (ROA) | 1.6909% | 662 |
| Pretax return on assets | 1.6909% | 1,164 |
| Return on Equity (ROE) | 14.0207% | 1,099 |
| Retained earnings to average equity (ytd only) | 1.5274% | 4,308 |
| Net charge-offs to loans | 0.4143% | 2,741 |
| Credit loss provision to net charge-offs | 75.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | 9.2667% | 2,719 |
| Efficiency ratio | 64.9580% | 5,334 |
| Assets per employee ($millions) | 2.3483% | 7,490 |
| Cash dividends to net income (ytd only)* | 89.1063% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 4,740 |
| Loan loss allowance to noncurrent loans | 62.6904% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 4,565 |
| Noncurrent loans to loans | 1.8740% | 2,948 |
| Net loans and leases to total assets | 46.5664% | 7,275 |
| Net loans and leases to deposits | 53.1775% | 7,479 |
| Net loans and leases to core deposits | 65.6596% | 7,372 |
| Total domestic deposits to total assets | 87.5678% | 1,685 |
| Equity capital to assets | 12.1543% | 2,187 |
| Core capital (leverage) ratio | 11.7681% | 2,091 |
| Tier 1 risk-based capital ratio | 21.9299% | 1,323 |
| Total risk-based capital ratio | 22.9383% | 1,320 |
| Memoranda: | ||
| Average total assets | $90,664,400 | 5,331 |
| Average earning assets | $84,037,600 | 5,301 |
| Average equity | $10,933,800 | 5,142 |
| Average total loans | $43,441,800 | 6,007 |