Home > Commercial Bank > Performance and Condition Ratios
Commercial 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 | 5.5755% | 1,926 |
| Cost of funding earning assets | 2.0245% | 1,878 |
| Net interest margin | 3.5509% | 2,185 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.4842% | 2,353 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.0460% | 2,154 |
| Return on assets (ROA) | 1.0479% | 2,144 |
| Pretax return on assets | 1.0479% | 2,628 |
| Return on Equity (ROE) | 11.7100% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.7063% | 842 |
| Net charge-offs to loans | 0.0088% | 1,923 |
| Credit loss provision to net charge-offs | 1,100.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 192.3333% | 432 |
| Efficiency ratio | 69.1279% | 1,919 |
| Assets per employee ($millions) | 6.7522% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 3,704 |
| Loan loss allowance to noncurrent loans | 58.3498% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 736 |
| Noncurrent loans to loans | 1.4760% | 666 |
| Net loans and leases to total assets | 64.9500% | 2,398 |
| Net loans and leases to deposits | 79.1071% | 2,140 |
| Net loans and leases to core deposits | 85.3077% | 2,369 |
| Total domestic deposits to total assets | 82.1000% | 3,289 |
| Equity capital to assets | 9.1459% | 2,836 |
| Core capital (leverage) ratio | 9.9258% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3285% | 1,000 |
| Memoranda: | ||
| Average total assets | $208,037,500 | 2,968 |
| Average earning assets | $187,105,000 | 2,999 |
| Average equity | $18,622,500 | 3,102 |
| Average total loans | $136,100,000 | 2,877 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 2,343 |
| Cost of funding earning assets | 2.0728% | 2,041 |
| Net interest margin | 3.3219% | 2,458 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.4227% | 2,521 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.8300% | 2,605 |
| Return on assets (ROA) | 0.8185% | 2,649 |
| Pretax return on assets | 0.8185% | 3,009 |
| Return on Equity (ROE) | 9.3900% | 2,339 |
| Retained earnings to average equity (ytd only) | 2.9045% | 3,082 |
| Net charge-offs to loans | 0.1350% | 965 |
| Credit loss provision to net charge-offs | 142.0455% | 1,465 |
| Earnings coverage of net charge-offs (x) | 11.2216% | 2,221 |
| Efficiency ratio | 71.8260% | 1,788 |
| Assets per employee ($millions) | 6.0811% | 2,819 |
| Cash dividends to net income (ytd only)* | 69.0770% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 3,761 |
| Loan loss allowance to noncurrent loans | 58.9441% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 725 |
| Noncurrent loans to loans | 1.4444% | 676 |
| Net loans and leases to total assets | 64.7700% | 2,492 |
| Net loans and leases to deposits | 78.4467% | 2,256 |
| Net loans and leases to core deposits | 84.5343% | 2,472 |
| Total domestic deposits to total assets | 82.5700% | 3,130 |
| Equity capital to assets | 8.7547% | 3,010 |
| Core capital (leverage) ratio | 9.7135% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0647% | 1,047 |
| Memoranda: | ||
| Average total assets | $207,825,600 | 2,948 |
| Average earning assets | $186,367,600 | 2,990 |
| Average equity | $18,109,600 | 3,092 |
| Average total loans | $130,388,600 | 2,902 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 2,407 |
| Cost of funding earning assets | 2.0675% | 2,058 |
| Net interest margin | 3.2613% | 2,535 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.4014% | 2,521 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.8810% | 2,442 |
| Return on assets (ROA) | 0.8656% | 2,501 |
| Pretax return on assets | 0.8656% | 2,887 |
| Return on Equity (ROE) | 9.9500% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.1174% | 2,049 |
| Net charge-offs to loans | -0.0464% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.6216% | 1,730 |
| Assets per employee ($millions) | 6.6207% | 2,423 |
| Cash dividends to net income (ytd only)* | 38.4900% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 3,743 |
| Loan loss allowance to noncurrent loans | 48.1112% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 549 |
| Noncurrent loans to loans | 1.8146% | 460 |
| Net loans and leases to total assets | 62.1100% | 2,722 |
| Net loans and leases to deposits | 75.5769% | 2,558 |
| Net loans and leases to core deposits | 81.4513% | 2,724 |
| Total domestic deposits to total assets | 82.1900% | 3,061 |
| Equity capital to assets | 9.1787% | 2,895 |
| Core capital (leverage) ratio | 9.9110% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7446% | 958 |
| Memoranda: | ||
| Average total assets | $208,092,750 | 2,939 |
| Average earning assets | $186,179,250 | 2,988 |
| Average equity | $18,111,750 | 3,092 |
| Average total loans | $129,218,000 | 2,910 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 2,452 |
| Cost of funding earning assets | 2.0253% | 2,062 |
| Net interest margin | 3.2231% | 2,591 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.3961% | 2,534 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.8451% | 2,474 |
| Return on assets (ROA) | 0.8441% | 2,495 |
| Pretax return on assets | 0.8441% | 2,888 |
| Return on Equity (ROE) | 9.8800% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.4867% | 1,825 |
| Net charge-offs to loans | -0.0531% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.3787% | 1,709 |
| Assets per employee ($millions) | 6.5853% | 2,348 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 3,804 |
| Loan loss allowance to noncurrent loans | 47.4697% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 490 |
| Noncurrent loans to loans | 1.8136% | 431 |
| Net loans and leases to total assets | 62.0200% | 2,763 |
| Net loans and leases to deposits | 75.2100% | 2,609 |
| Net loans and leases to core deposits | 81.0265% | 2,743 |
| Total domestic deposits to total assets | 82.4700% | 2,978 |
| Equity capital to assets | 8.4468% | 3,131 |
| Core capital (leverage) ratio | 9.8428% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4785% | 1,003 |
| Memoranda: | ||
| Average total assets | $206,836,667 | 2,954 |
| Average earning assets | $185,160,667 | 2,996 |
| Average equity | $17,667,000 | 3,107 |
| Average total loans | $128,039,000 | 2,921 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 2,407 |
| Cost of funding earning assets | 1.9632% | 2,085 |
| Net interest margin | 3.2321% | 2,494 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.3701% | 2,594 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.9000% | 2,231 |
| Return on assets (ROA) | 0.9019% | 2,241 |
| Pretax return on assets | 0.9019% | 2,662 |
| Return on Equity (ROE) | 10.5000% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.4997% | 1,000 |
| Net charge-offs to loans | -0.0381% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.9621% | 1,948 |
| Assets per employee ($millions) | 6.5757% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 3,811 |
| Loan loss allowance to noncurrent loans | 41.8472% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 389 |
| Noncurrent loans to loans | 2.0547% | 313 |
| Net loans and leases to total assets | 62.2700% | 2,638 |
| Net loans and leases to deposits | 78.1801% | 2,226 |
| Net loans and leases to core deposits | 84.1420% | 2,438 |
| Total domestic deposits to total assets | 79.6500% | 3,575 |
| Equity capital to assets | 8.6844% | 2,899 |
| Core capital (leverage) ratio | 10.0355% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7451% | 963 |
| Memoranda: | ||
| Average total assets | $204,889,500 | 2,971 |
| Average earning assets | $183,780,500 | 3,009 |
| Average equity | $17,600,500 | 3,119 |
| Average total loans | $126,139,500 | 2,937 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 2,120 |
| Cost of funding earning assets | 1.5266% | 1,877 |
| Net interest margin | 3.4483% | 2,301 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.5123% | 2,259 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0348% | 2,110 |
| Return on assets (ROA) | 1.0186% | 2,142 |
| Pretax return on assets | 1.0186% | 2,625 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.3342% | 3,186 |
| Net charge-offs to loans | 0.2368% | 457 |
| Credit loss provision to net charge-offs | 17.7305% | 2,320 |
| Earnings coverage of net charge-offs (x) | 7.3901% | 2,414 |
| Efficiency ratio | 70.3218% | 1,833 |
| Assets per employee ($millions) | 6.0568% | 2,769 |
| Cash dividends to net income (ytd only)* | 72.4276% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 3,816 |
| Loan loss allowance to noncurrent loans | 47.4846% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 420 |
| Noncurrent loans to loans | 1.8240% | 326 |
| Net loans and leases to total assets | 59.8000% | 2,859 |
| Net loans and leases to deposits | 73.4485% | 2,657 |
| Net loans and leases to core deposits | 79.7530% | 2,716 |
| Total domestic deposits to total assets | 81.4200% | 3,236 |
| Equity capital to assets | 8.4970% | 3,056 |
| Core capital (leverage) ratio | 10.0877% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4640% | 1,002 |
| Memoranda: | ||
| Average total assets | $196,551,800 | 3,008 |
| Average earning assets | $172,605,800 | 3,075 |
| Average equity | $16,555,600 | 3,132 |
| Average total loans | $119,089,200 | 2,966 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 2,054 |
| Cost of funding earning assets | 1.3943% | 1,886 |
| Net interest margin | 3.5079% | 2,193 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.5230% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1355% | 1,951 |
| Return on assets (ROA) | 1.1184% | 1,978 |
| Pretax return on assets | 1.1184% | 2,512 |
| Return on Equity (ROE) | 13.3100% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.5897% | 2,109 |
| Net charge-offs to loans | 0.2807% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.6694% | 2,273 |
| Efficiency ratio | 68.9623% | 1,910 |
| Assets per employee ($millions) | 6.2492% | 2,526 |
| Cash dividends to net income (ytd only)* | 42.9711% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 3,796 |
| Loan loss allowance to noncurrent loans | 50.0236% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 474 |
| Noncurrent loans to loans | 1.7591% | 378 |
| Net loans and leases to total assets | 59.7100% | 2,876 |
| Net loans and leases to deposits | 72.9220% | 2,654 |
| Net loans and leases to core deposits | 79.1940% | 2,656 |
| Total domestic deposits to total assets | 81.8800% | 3,235 |
| Equity capital to assets | 7.9451% | 3,090 |
| Core capital (leverage) ratio | 10.0373% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3136% | 904 |
| Memoranda: | ||
| Average total assets | $194,207,000 | 3,031 |
| Average earning assets | $169,632,750 | 3,104 |
| Average equity | $16,320,000 | 3,143 |
| Average total loans | $117,803,250 | 2,979 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,206 |
| Cost of funding earning assets | 1.2103% | 1,952 |
| Net interest margin | 3.4894% | 2,291 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.5681% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1951% | 1,844 |
| Return on assets (ROA) | 1.1733% | 1,897 |
| Pretax return on assets | 1.1733% | 2,436 |
| Return on Equity (ROE) | 13.7000% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,896 |
| Net charge-offs to loans | 0.0376% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 52.2273% | 1,268 |
| Efficiency ratio | 68.2421% | 1,957 |
| Assets per employee ($millions) | 5.4674% | 3,176 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,015 |
| Loan loss allowance to noncurrent loans | 183.7143% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 1,481 |
| Noncurrent loans to loans | 0.5914% | 1,268 |
| Net loans and leases to total assets | 59.4800% | 2,822 |
| Net loans and leases to deposits | 76.0123% | 2,309 |
| Net loans and leases to core deposits | 81.4386% | 2,375 |
| Total domestic deposits to total assets | 78.2600% | 3,815 |
| Equity capital to assets | 8.4556% | 2,896 |
| Core capital (leverage) ratio | 10.4533% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8774% | 832 |
| Memoranda: | ||
| Average total assets | $192,285,000 | 3,049 |
| Average earning assets | $166,905,333 | 3,135 |
| Average equity | $16,464,000 | 3,148 |
| Average total loans | $116,919,000 | 2,989 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,988 |
| Cost of funding earning assets | 1.1173% | 1,706 |
| Net interest margin | 3.5248% | 2,300 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.5535% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4125% | 1,374 |
| Return on assets (ROA) | 1.3683% | 1,463 |
| Pretax return on assets | 1.3683% | 1,965 |
| Return on Equity (ROE) | 15.8800% | 1,384 |
| Retained earnings to average equity (ytd only) | 15.8783% | 702 |
| Net charge-offs to loans | -0.0103% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3843% | 2,406 |
| Assets per employee ($millions) | 6.4958% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,952 |
| Loan loss allowance to noncurrent loans | 323.7037% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,041 |
| Noncurrent loans to loans | 0.3463% | 1,906 |
| Net loans and leases to total assets | 61.3900% | 2,523 |
| Net loans and leases to deposits | 77.3944% | 2,005 |
| Net loans and leases to core deposits | 82.4993% | 2,092 |
| Total domestic deposits to total assets | 79.3200% | 3,863 |
| Equity capital to assets | 9.0281% | 2,497 |
| Core capital (leverage) ratio | 10.6123% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0898% | 835 |
| Memoranda: | ||
| Average total assets | $190,014,000 | 3,103 |
| Average earning assets | $164,319,500 | 3,202 |
| Average equity | $16,374,500 | 3,186 |
| Average total loans | $116,195,000 | 3,018 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 1,236 |
| Cost of funding earning assets | 0.6651% | 677 |
| Net interest margin | 3.5387% | 1,811 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6328% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8230% | 3,246 |
| Return on assets (ROA) | 0.8172% | 3,199 |
| Pretax return on assets | 0.8172% | 3,579 |
| Return on Equity (ROE) | 8.7200% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,444 |
| Net charge-offs to loans | 0.0047% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 316.2000% | 472 |
| Efficiency ratio | 76.1862% | 990 |
| Assets per employee ($millions) | 6.6086% | 2,248 |
| Cash dividends to net income (ytd only)* | 55.7325% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 3,860 |
| Loan loss allowance to noncurrent loans | 158.2418% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,510 |
| Noncurrent loans to loans | 0.5518% | 1,341 |
| Net loans and leases to total assets | 59.7100% | 2,659 |
| Net loans and leases to deposits | 73.9095% | 2,266 |
| Net loans and leases to core deposits | 78.4691% | 2,240 |
| Total domestic deposits to total assets | 80.7800% | 3,783 |
| Equity capital to assets | 8.2140% | 2,924 |
| Core capital (leverage) ratio | 10.2036% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4006% | 909 |
| Memoranda: | ||
| Average total assets | $192,113,600 | 3,087 |
| Average earning assets | $162,236,600 | 3,224 |
| Average equity | $17,999,000 | 3,119 |
| Average total loans | $107,329,000 | 3,053 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 1,072 |
| Cost of funding earning assets | 0.5574% | 555 |
| Net interest margin | 3.5424% | 1,539 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.7508% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6908% | 3,589 |
| Return on assets (ROA) | 0.6825% | 3,573 |
| Pretax return on assets | 0.6825% | 3,831 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.5896% | 3,247 |
| Net charge-offs to loans | 0.0051% | 1,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 537 |
| Efficiency ratio | 79.9274% | 780 |
| Assets per employee ($millions) | 6.1203% | 2,653 |
| Cash dividends to net income (ytd only)* | 35.0610% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 3,785 |
| Loan loss allowance to noncurrent loans | 1,711.8644% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,570 |
| Noncurrent loans to loans | 0.0540% | 3,492 |
| Net loans and leases to total assets | 57.0300% | 2,793 |
| Net loans and leases to deposits | 70.6209% | 2,312 |
| Net loans and leases to core deposits | 75.0231% | 2,277 |
| Total domestic deposits to total assets | 80.7600% | 4,021 |
| Equity capital to assets | 8.1442% | 2,800 |
| Core capital (leverage) ratio | 10.3280% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0235% | 860 |
| Memoranda: | ||
| Average total assets | $192,229,750 | 3,113 |
| Average earning assets | $161,470,500 | 3,255 |
| Average equity | $18,563,250 | 3,107 |
| Average total loans | $105,302,750 | 3,089 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 999 |
| Cost of funding earning assets | 0.4745% | 602 |
| Net interest margin | 3.4890% | 1,344 |
| Noninterest income to average assets | 0.4486% | 2,462 |
| Noninterest expense to average assets | 2.8405% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5180% | 3,850 |
| Return on assets (ROA) | 0.5180% | 3,802 |
| Pretax return on assets | 0.5180% | 3,963 |
| Return on Equity (ROE) | 5.1020% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.3163% | 3,343 |
| Net charge-offs to loans | 0.0038% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 471 |
| Efficiency ratio | 84.5774% | 647 |
| Assets per employee ($millions) | 5.7184% | 3,007 |
| Cash dividends to net income (ytd only)* | 35.0000% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,804 |
| Loan loss allowance to noncurrent loans | 2,594.8718% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,796 |
| Noncurrent loans to loans | 0.0365% | 3,675 |
| Net loans and leases to total assets | 56.0300% | 2,752 |
| Net loans and leases to deposits | 70.5317% | 2,152 |
| Net loans and leases to core deposits | 75.1744% | 2,076 |
| Total domestic deposits to total assets | 79.4394% | 4,270 |
| Equity capital to assets | 8.9833% | 2,395 |
| Core capital (leverage) ratio | 10.2165% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3415% | 807 |
| Memoranda: | ||
| Average total assets | $193,063,000 | 3,138 |
| Average earning assets | $161,020,000 | 3,306 |
| Average equity | $19,600,333 | 3,100 |
| Average total loans | $103,996,667 | 3,135 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 1,004 |
| Cost of funding earning assets | 0.4563% | 629 |
| Net interest margin | 3.3911% | 1,323 |
| Noninterest income to average assets | 0.4077% | 2,633 |
| Noninterest expense to average assets | 2.9563% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2377% | 4,267 |
| Return on assets (ROA) | 0.2377% | 4,238 |
| Pretax return on assets | 0.2377% | 4,283 |
| Return on Equity (ROE) | 2.2175% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.2175% | 3,489 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5593% | 442 |
| Assets per employee ($millions) | 6.1109% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,793 |
| Loan loss allowance to noncurrent loans | 5,331.5789% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,974 |
| Noncurrent loans to loans | 0.0184% | 3,862 |
| Net loans and leases to total assets | 52.1936% | 2,970 |
| Net loans and leases to deposits | 66.2370% | 2,314 |
| Net loans and leases to core deposits | 70.2509% | 2,275 |
| Total domestic deposits to total assets | 78.7982% | 4,358 |
| Equity capital to assets | 9.8676% | 1,995 |
| Core capital (leverage) ratio | 10.3814% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8006% | 786 |
| Memoranda: | ||
| Average total assets | $195,241,500 | 3,134 |
| Average earning assets | $160,419,500 | 3,323 |
| Average equity | $20,924,500 | 3,064 |
| Average total loans | $102,623,000 | 3,151 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 1,018 |
| Cost of funding earning assets | 0.5026% | 920 |
| Net interest margin | 3.6820% | 1,259 |
| Noninterest income to average assets | 0.4253% | 2,924 |
| Noninterest expense to average assets | 2.6821% | 1,682 |
| Loan and lease loss provision to assets | 0.0134% | 2,814 |
| Net operating income to assets | 0.7550% | 3,471 |
| Return on assets (ROA) | 1.0383% | 2,597 |
| Pretax return on assets | 1.0383% | 3,159 |
| Return on Equity (ROE) | 8.3677% | 3,114 |
| Retained earnings to average equity (ytd only) | 1.7810% | 4,050 |
| Net charge-offs to loans | -0.0020% | 3,356 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7310% | 971 |
| Assets per employee ($millions) | 6.0917% | 2,678 |
| Cash dividends to net income (ytd only)* | 78.7157% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,784 |
| Loan loss allowance to noncurrent loans | 2,470.7317% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,924 |
| Noncurrent loans to loans | 0.0401% | 3,782 |
| Net loans and leases to total assets | 51.8924% | 3,081 |
| Net loans and leases to deposits | 67.0387% | 2,402 |
| Net loans and leases to core deposits | 71.0101% | 2,354 |
| Total domestic deposits to total assets | 77.4067% | 4,444 |
| Equity capital to assets | 11.5696% | 1,470 |
| Core capital (leverage) ratio | 10.3720% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5798% | 808 |
| Memoranda: | ||
| Average total assets | $185,971,000 | 3,157 |
| Average earning assets | $152,795,400 | 3,350 |
| Average equity | $23,076,800 | 2,976 |
| Average total loans | $101,639,200 | 3,174 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 1,022 |
| Cost of funding earning assets | 0.5080% | 1,010 |
| Net interest margin | 3.7478% | 1,229 |
| Noninterest income to average assets | 0.4340% | 2,912 |
| Noninterest expense to average assets | 2.7010% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8222% | 3,464 |
| Return on assets (ROA) | 1.2046% | 2,214 |
| Pretax return on assets | 1.2046% | 2,912 |
| Return on Equity (ROE) | 9.5368% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.4237% | 3,436 |
| Net charge-offs to loans | 0.0066% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 226.6000% | 518 |
| Efficiency ratio | 76.6632% | 990 |
| Assets per employee ($millions) | 5.8722% | 2,817 |
| Cash dividends to net income (ytd only)* | 53.6145% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,973 |
| Loan loss allowance to noncurrent loans | 268.0328% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,823 |
| Noncurrent loans to loans | 0.3589% | 2,491 |
| Net loans and leases to total assets | 53.7478% | 2,998 |
| Net loans and leases to deposits | 69.1829% | 2,315 |
| Net loans and leases to core deposits | 73.4461% | 2,284 |
| Total domestic deposits to total assets | 77.6894% | 4,449 |
| Equity capital to assets | 12.2489% | 1,287 |
| Core capital (leverage) ratio | 10.8885% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7062% | 860 |
| Memoranda: | ||
| Average total assets | $183,730,250 | 3,217 |
| Average earning assets | $151,444,750 | 3,398 |
| Average equity | $23,207,750 | 3,002 |
| Average total loans | $101,506,750 | 3,218 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 892 |
| Cost of funding earning assets | 0.5100% | 1,144 |
| Net interest margin | 3.8583% | 1,048 |
| Noninterest income to average assets | 0.4596% | 2,801 |
| Noninterest expense to average assets | 2.7455% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9005% | 3,218 |
| Return on assets (ROA) | 1.4204% | 1,578 |
| Pretax return on assets | 1.4204% | 2,269 |
| Return on Equity (ROE) | 11.1296% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.4574% | 3,014 |
| Net charge-offs to loans | 0.0099% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 164.2000% | 560 |
| Efficiency ratio | 75.3008% | 1,143 |
| Assets per employee ($millions) | 5.8539% | 2,757 |
| Cash dividends to net income (ytd only)* | 50.9653% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,946 |
| Loan loss allowance to noncurrent loans | 148.1873% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,058 |
| Noncurrent loans to loans | 0.6517% | 1,787 |
| Net loans and leases to total assets | 55.4395% | 2,966 |
| Net loans and leases to deposits | 71.7902% | 2,230 |
| Net loans and leases to core deposits | 76.0916% | 2,231 |
| Total domestic deposits to total assets | 77.2243% | 4,498 |
| Equity capital to assets | 12.8804% | 985 |
| Core capital (leverage) ratio | 10.8770% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2118% | 786 |
| Memoranda: | ||
| Average total assets | $182,336,667 | 3,235 |
| Average earning assets | $150,585,667 | 3,408 |
| Average equity | $23,271,333 | 2,987 |
| Average total loans | $101,349,333 | 3,233 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 981 |
| Cost of funding earning assets | 0.5089% | 1,337 |
| Net interest margin | 3.8314% | 1,083 |
| Noninterest income to average assets | 0.4333% | 2,910 |
| Noninterest expense to average assets | 2.7794% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8010% | 3,423 |
| Return on assets (ROA) | 1.4860% | 1,422 |
| Pretax return on assets | 1.4860% | 2,038 |
| Return on Equity (ROE) | 11.6968% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.2179% | 2,502 |
| Net charge-offs to loans | 0.0040% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 253 |
| Efficiency ratio | 77.6284% | 981 |
| Assets per employee ($millions) | 5.8825% | 2,714 |
| Cash dividends to net income (ytd only)* | 38.2916% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,971 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,107 |
| Noncurrent loans to loans | 0.3340% | 2,900 |
| Net loans and leases to total assets | 55.2827% | 3,118 |
| Net loans and leases to deposits | 71.1097% | 2,409 |
| Net loans and leases to core deposits | 75.0935% | 2,422 |
| Total domestic deposits to total assets | 77.7428% | 4,461 |
| Equity capital to assets | 12.5878% | 1,048 |
| Core capital (leverage) ratio | 11.2224% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0775% | 779 |
| Memoranda: | ||
| Average total assets | $182,770,000 | 3,226 |
| Average earning assets | $150,126,000 | 3,414 |
| Average equity | $23,220,000 | 2,976 |
| Average total loans | $101,230,500 | 3,242 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,528 |
| Cost of funding earning assets | 0.6298% | 2,119 |
| Net interest margin | 3.7892% | 1,531 |
| Noninterest income to average assets | 0.4851% | 2,695 |
| Noninterest expense to average assets | 2.9791% | 1,479 |
| Loan and lease loss provision to assets | 0.0364% | 3,957 |
| Net operating income to assets | 0.5924% | 3,781 |
| Return on assets (ROA) | 0.6246% | 3,791 |
| Pretax return on assets | 0.6246% | 4,027 |
| Return on Equity (ROE) | 4.4981% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.6552% | 3,522 |
| Net charge-offs to loans | 0.0883% | 1,577 |
| Credit loss provision to net charge-offs | 70.5882% | 3,038 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,347 |
| Efficiency ratio | 82.5714% | 714 |
| Assets per employee ($millions) | 5.9091% | 2,426 |
| Cash dividends to net income (ytd only)* | 40.9709% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,944 |
| Loan loss allowance to noncurrent loans | 184.6442% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,742 |
| Noncurrent loans to loans | 0.5305% | 2,389 |
| Net loans and leases to total assets | 54.4139% | 3,454 |
| Net loans and leases to deposits | 69.6689% | 2,916 |
| Net loans and leases to core deposits | 73.5491% | 2,949 |
| Total domestic deposits to total assets | 78.1036% | 4,308 |
| Equity capital to assets | 12.8207% | 1,169 |
| Core capital (leverage) ratio | 11.2124% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6230% | 820 |
| Memoranda: | ||
| Average total assets | $164,917,000 | 3,239 |
| Average earning assets | $135,911,400 | 3,430 |
| Average equity | $22,898,400 | 2,945 |
| Average total loans | $96,275,200 | 3,291 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,414 |
| Cost of funding earning assets | 0.6607% | 2,264 |
| Net interest margin | 3.9029% | 1,345 |
| Noninterest income to average assets | 0.5089% | 2,576 |
| Noninterest expense to average assets | 3.0832% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6427% | 3,653 |
| Return on assets (ROA) | 0.6876% | 3,601 |
| Pretax return on assets | 0.6876% | 3,931 |
| Return on Equity (ROE) | 4.8464% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.6744% | 3,209 |
| Net charge-offs to loans | 0.0925% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 11.7121% | 2,288 |
| Efficiency ratio | 82.7494% | 693 |
| Assets per employee ($millions) | 5.1764% | 3,039 |
| Cash dividends to net income (ytd only)* | 24.1838% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,926 |
| Loan loss allowance to noncurrent loans | 262.9526% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,228 |
| Noncurrent loans to loans | 0.3579% | 3,006 |
| Net loans and leases to total assets | 59.9897% | 3,231 |
| Net loans and leases to deposits | 77.8750% | 2,543 |
| Net loans and leases to core deposits | 82.5133% | 2,620 |
| Total domestic deposits to total assets | 77.0334% | 4,322 |
| Equity capital to assets | 14.1960% | 805 |
| Core capital (leverage) ratio | 11.8349% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5790% | 825 |
| Memoranda: | ||
| Average total assets | $160,351,000 | 3,268 |
| Average earning assets | $132,172,000 | 3,471 |
| Average equity | $22,751,750 | 2,954 |
| Average total loans | $95,178,500 | 3,324 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6568% | 1,520 |
| Cost of funding earning assets | 0.7218% | 2,279 |
| Net interest margin | 3.9350% | 1,479 |
| Noninterest income to average assets | 0.5309% | 2,434 |
| Noninterest expense to average assets | 3.0873% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6684% | 3,509 |
| Return on assets (ROA) | 0.6823% | 3,558 |
| Pretax return on assets | 0.6823% | 3,906 |
| Return on Equity (ROE) | 4.8095% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.8095% | 2,563 |
| Net charge-offs to loans | 0.1220% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.2982% | 2,233 |
| Efficiency ratio | 82.2028% | 749 |
| Assets per employee ($millions) | 4.7691% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,619 |
| Loan loss allowance to noncurrent loans | 195.8932% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,010 |
| Noncurrent loans to loans | 0.5059% | 2,633 |
| Net loans and leases to total assets | 58.7784% | 3,444 |
| Net loans and leases to deposits | 76.0529% | 2,857 |
| Net loans and leases to core deposits | 80.6485% | 2,903 |
| Total domestic deposits to total assets | 77.2862% | 4,286 |
| Equity capital to assets | 14.3462% | 766 |
| Core capital (leverage) ratio | 11.7436% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8174% | 792 |
| Memoranda: | ||
| Average total assets | $158,586,333 | 3,264 |
| Average earning assets | $129,961,667 | 3,474 |
| Average equity | $22,497,333 | 2,962 |
| Average total loans | $93,466,667 | 3,346 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,443 |
| Cost of funding earning assets | 0.7288% | 2,786 |
| Net interest margin | 3.7224% | 2,256 |
| Noninterest income to average assets | 0.5791% | 2,137 |
| Noninterest expense to average assets | 3.0254% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5893% | 3,626 |
| Return on assets (ROA) | 0.5893% | 3,684 |
| Pretax return on assets | 0.5893% | 3,938 |
| Return on Equity (ROE) | 4.1782% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.1782% | 2,612 |
| Net charge-offs to loans | 0.0869% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 11.5500% | 1,726 |
| Efficiency ratio | 83.6980% | 847 |
| Assets per employee ($millions) | 4.9257% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,319 |
| Loan loss allowance to noncurrent loans | 191.4894% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,020 |
| Noncurrent loans to loans | 0.5633% | 2,588 |
| Net loans and leases to total assets | 57.5992% | 3,702 |
| Net loans and leases to deposits | 73.9535% | 3,281 |
| Net loans and leases to core deposits | 82.0417% | 3,020 |
| Total domestic deposits to total assets | 77.8857% | 4,238 |
| Equity capital to assets | 14.2740% | 974 |
| Core capital (leverage) ratio | 12.4517% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3365% | 825 |
| Memoranda: | ||
| Average total assets | $156,805,500 | 3,248 |
| Average earning assets | $127,874,000 | 3,473 |
| Average equity | $22,115,000 | 2,989 |
| Average total loans | $92,069,000 | 3,360 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 1,683 |
| Cost of funding earning assets | 0.8118% | 2,626 |
| Net interest margin | 4.1132% | 1,504 |
| Noninterest income to average assets | 0.6654% | 1,943 |
| Noninterest expense to average assets | 3.2334% | 1,438 |
| Loan and lease loss provision to assets | 0.1032% | 2,001 |
| Net operating income to assets | 0.6551% | 4,003 |
| Return on assets (ROA) | 0.6688% | 4,032 |
| Pretax return on assets | 0.6688% | 4,282 |
| Return on Equity (ROE) | 4.4991% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,143 |
| Net charge-offs to loans | 0.0470% | 2,449 |
| Credit loss provision to net charge-offs | 357.1429% | 783 |
| Earnings coverage of net charge-offs (x) | 26.2381% | 1,701 |
| Efficiency ratio | 81.0033% | 865 |
| Assets per employee ($millions) | 4.7269% | 2,923 |
| Cash dividends to net income (ytd only)* | 63.1687% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,988 |
| Loan loss allowance to noncurrent loans | 191.6509% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 2,869 |
| Noncurrent loans to loans | 0.5706% | 2,476 |
| Net loans and leases to total assets | 58.5612% | 3,712 |
| Net loans and leases to deposits | 75.4876% | 3,222 |
| Net loans and leases to core deposits | 80.2243% | 3,278 |
| Total domestic deposits to total assets | 77.5773% | 4,420 |
| Equity capital to assets | 13.9311% | 1,121 |
| Core capital (leverage) ratio | 12.4014% | 1,537 |
| Tier 1 risk-based capital ratio | 19.3347% | 1,452 |
| Total risk-based capital ratio | 20.4081% | 1,454 |
| Memoranda: | ||
| Average total assets | $145,327,000 | 3,361 |
| Average earning assets | $117,523,000 | 3,594 |
| Average equity | $21,604,400 | 2,995 |
| Average total loans | $89,372,400 | 3,410 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 1,828 |
| Cost of funding earning assets | 0.7625% | 2,908 |
| Net interest margin | 4.1341% | 1,538 |
| Noninterest income to average assets | 0.6935% | 1,816 |
| Noninterest expense to average assets | 3.2617% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7860% | 3,714 |
| Return on assets (ROA) | 0.8037% | 3,738 |
| Pretax return on assets | 0.8037% | 4,108 |
| Return on Equity (ROE) | 5.3152% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.1100% | 3,344 |
| Net charge-offs to loans | 0.0181% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 70.0819% | 948 |
| Efficiency ratio | 80.5819% | 867 |
| Assets per employee ($millions) | 4.7881% | 2,811 |
| Cash dividends to net income (ytd only)* | 22.6741% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,751 |
| Loan loss allowance to noncurrent loans | 164.5102% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 2,887 |
| Noncurrent loans to loans | 0.5879% | 2,524 |
| Net loans and leases to total assets | 61.4016% | 3,551 |
| Net loans and leases to deposits | 79.1391% | 2,994 |
| Net loans and leases to core deposits | 84.3755% | 3,062 |
| Total domestic deposits to total assets | 77.5869% | 4,426 |
| Equity capital to assets | 14.9059% | 868 |
| Core capital (leverage) ratio | 12.9273% | 1,371 |
| Tier 1 risk-based capital ratio | 12.9273% | 3,892 |
| Total risk-based capital ratio | 13.5493% | 4,139 |
| Memoranda: | ||
| Average total assets | $142,661,500 | 3,433 |
| Average earning assets | $115,750,500 | 3,656 |
| Average equity | $21,572,750 | 3,018 |
| Average total loans | $88,625,750 | 3,470 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 1,756 |
| Cost of funding earning assets | 0.7034% | 3,154 |
| Net interest margin | 4.1958% | 1,373 |
| Noninterest income to average assets | 0.7219% | 1,631 |
| Noninterest expense to average assets | 3.3083% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8043% | 3,638 |
| Return on assets (ROA) | 0.8313% | 3,600 |
| Pretax return on assets | 0.8313% | 4,021 |
| Return on Equity (ROE) | 5.4702% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.8156% | 2,857 |
| Net charge-offs to loans | 0.0206% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 62.8889% | 957 |
| Efficiency ratio | 80.4423% | 932 |
| Assets per employee ($millions) | 4.2186% | 3,551 |
| Cash dividends to net income (ytd only)* | 11.9658% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,692 |
| Loan loss allowance to noncurrent loans | 317.7936% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 3,619 |
| Noncurrent loans to loans | 0.3110% | 3,426 |
| Net loans and leases to total assets | 62.3750% | 3,502 |
| Net loans and leases to deposits | 79.3189% | 3,021 |
| Net loans and leases to core deposits | 80.8851% | 3,352 |
| Total domestic deposits to total assets | 78.6383% | 4,290 |
| Equity capital to assets | 15.2195% | 765 |
| Core capital (leverage) ratio | 13.4347% | 1,140 |
| Tier 1 risk-based capital ratio | 19.9739% | 1,354 |
| Total risk-based capital ratio | 20.9460% | 1,373 |
| Memoranda: | ||
| Average total assets | $140,738,330 | 3,486 |
| Average earning assets | $113,732,670 | 3,711 |
| Average equity | $21,388,670 | 3,027 |
| Average total loans | $87,491,330 | 3,516 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 1,677 |
| Cost of funding earning assets | 0.6725% | 3,189 |
| Net interest margin | 4.2016% | 1,301 |
| Noninterest income to average assets | 0.7346% | 1,481 |
| Noninterest expense to average assets | 3.3316% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8092% | 3,583 |
| Return on assets (ROA) | 0.8494% | 3,501 |
| Pretax return on assets | 0.8494% | 3,923 |
| Return on Equity (ROE) | 5.5933% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.5933% | 2,647 |
| Net charge-offs to loans | 0.0418% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,305 |
| Efficiency ratio | 80.4574% | 1,013 |
| Assets per employee ($millions) | 4.3544% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,556 |
| Loan loss allowance to noncurrent loans | 388.2609% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,783 |
| Noncurrent loans to loans | 0.2640% | 3,617 |
| Net loans and leases to total assets | 61.8932% | 3,516 |
| Net loans and leases to deposits | 79.3001% | 2,920 |
| Net loans and leases to core deposits | 80.9245% | 3,280 |
| Total domestic deposits to total assets | 78.0494% | 4,507 |
| Equity capital to assets | 15.3732% | 673 |
| Core capital (leverage) ratio | 13.5990% | 1,060 |
| Tier 1 risk-based capital ratio | 20.4849% | 1,248 |
| Total risk-based capital ratio | 21.4939% | 1,266 |
| Memoranda: | ||
| Average total assets | $139,390,500 | 3,540 |
| Average earning assets | $113,003,500 | 3,768 |
| Average equity | $21,168,000 | 3,059 |
| Average total loans | $86,057,000 | 3,577 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 2,326 |
| Cost of funding earning assets | 0.5322% | 3,166 |
| Net interest margin | 4.0096% | 1,954 |
| Noninterest income to average assets | 0.6778% | 1,935 |
| Noninterest expense to average assets | 3.3051% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6313% | 4,332 |
| Return on assets (ROA) | 0.6828% | 4,194 |
| Pretax return on assets | 0.6828% | 4,450 |
| Return on Equity (ROE) | 4.5624% | 4,574 |
| Retained earnings to average equity (ytd only) | 0.8886% | 4,745 |
| Net charge-offs to loans | 0.0430% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 25.9706% | 1,744 |
| Efficiency ratio | 83.9629% | 655 |
| Assets per employee ($millions) | 4.4981% | 3,172 |
| Cash dividends to net income (ytd only)* | 80.5236% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,315 |
| Loan loss allowance to noncurrent loans | 322.1429% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,826 |
| Noncurrent loans to loans | 0.3295% | 3,369 |
| Net loans and leases to total assets | 60.2958% | 3,740 |
| Net loans and leases to deposits | 78.0804% | 3,157 |
| Net loans and leases to core deposits | 79.2335% | 3,481 |
| Total domestic deposits to total assets | 77.2226% | 4,601 |
| Equity capital to assets | 14.9992% | 711 |
| Core capital (leverage) ratio | 13.3100% | 1,142 |
| Tier 1 risk-based capital ratio | 20.1153% | 1,283 |
| Total risk-based capital ratio | 21.1327% | 1,301 |
| Memoranda: | ||
| Average total assets | $139,874,400 | 3,507 |
| Average earning assets | $113,677,400 | 3,744 |
| Average equity | $20,932,000 | 3,003 |
| Average total loans | $79,150,800 | 3,682 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 2,347 |
| Cost of funding earning assets | 0.5205% | 3,055 |
| Net interest margin | 3.9675% | 2,061 |
| Noninterest income to average assets | 0.6820% | 1,922 |
| Noninterest expense to average assets | 3.2317% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6667% | 4,331 |
| Return on assets (ROA) | 0.7401% | 4,116 |
| Pretax return on assets | 0.7401% | 4,445 |
| Return on Equity (ROE) | 4.9482% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.1589% | 4,519 |
| Net charge-offs to loans | 0.0446% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 26.9198% | 1,723 |
| Efficiency ratio | 82.8976% | 710 |
| Assets per employee ($millions) | 4.4345% | 3,220 |
| Cash dividends to net income (ytd only)* | 56.3713% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,937 |
| Loan loss allowance to noncurrent loans | 235.4005% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,559 |
| Noncurrent loans to loans | 0.4865% | 2,931 |
| Net loans and leases to total assets | 57.2067% | 4,113 |
| Net loans and leases to deposits | 72.8403% | 3,693 |
| Net loans and leases to core deposits | 74.1206% | 3,939 |
| Total domestic deposits to total assets | 78.5371% | 4,400 |
| Equity capital to assets | 15.0840% | 696 |
| Core capital (leverage) ratio | 13.4267% | 1,130 |
| Tier 1 risk-based capital ratio | 21.2028% | 1,154 |
| Total risk-based capital ratio | 22.2767% | 1,161 |
| Memoranda: | ||
| Average total assets | $139,982,750 | 3,542 |
| Average earning assets | $113,486,000 | 3,791 |
| Average equity | $20,936,250 | 3,023 |
| Average total loans | $77,693,750 | 3,742 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,551 |
| Cost of funding earning assets | 0.5106% | 2,927 |
| Net interest margin | 3.8475% | 2,394 |
| Noninterest income to average assets | 0.6803% | 1,956 |
| Noninterest expense to average assets | 3.1643% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6306% | 4,405 |
| Return on assets (ROA) | 0.7399% | 4,070 |
| Pretax return on assets | 0.7399% | 4,412 |
| Return on Equity (ROE) | 4.9612% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.1806% | 4,407 |
| Net charge-offs to loans | 0.0467% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,666 |
| Efficiency ratio | 83.3832% | 732 |
| Assets per employee ($millions) | 4.2921% | 3,435 |
| Cash dividends to net income (ytd only)* | 56.0461% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,834 |
| Loan loss allowance to noncurrent loans | 146.3376% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 2,900 |
| Noncurrent loans to loans | 0.8065% | 2,115 |
| Net loans and leases to total assets | 56.0278% | 4,164 |
| Net loans and leases to deposits | 70.9630% | 3,783 |
| Net loans and leases to core deposits | 71.9678% | 4,010 |
| Total domestic deposits to total assets | 78.9535% | 4,433 |
| Equity capital to assets | 15.1491% | 662 |
| Core capital (leverage) ratio | 13.3564% | 1,115 |
| Tier 1 risk-based capital ratio | 21.5536% | 1,095 |
| Total risk-based capital ratio | 22.6616% | 1,087 |
| Memoranda: | ||
| Average total assets | $140,820,330 | 3,560 |
| Average earning assets | $113,994,670 | 3,811 |
| Average equity | $21,003,000 | 3,018 |
| Average total loans | $77,074,000 | 3,775 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,577 |
| Cost of funding earning assets | 0.5106% | 2,718 |
| Net interest margin | 3.7755% | 2,521 |
| Noninterest income to average assets | 0.6706% | 1,956 |
| Noninterest expense to average assets | 3.1426% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5780% | 4,489 |
| Return on assets (ROA) | 0.7941% | 3,734 |
| Pretax return on assets | 0.7941% | 4,164 |
| Return on Equity (ROE) | 5.3647% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.2273% | 3,499 |
| Net charge-offs to loans | 0.0261% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 41.2000% | 1,051 |
| Efficiency ratio | 84.4646% | 764 |
| Assets per employee ($millions) | 4.2944% | 3,498 |
| Cash dividends to net income (ytd only)* | 21.2014% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,688 |
| Loan loss allowance to noncurrent loans | 208.2774% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 3,499 |
| Noncurrent loans to loans | 0.5856% | 2,785 |
| Net loans and leases to total assets | 56.6373% | 4,065 |
| Net loans and leases to deposits | 72.3342% | 3,574 |
| Net loans and leases to core deposits | 73.3989% | 3,860 |
| Total domestic deposits to total assets | 78.2995% | 4,688 |
| Equity capital to assets | 15.6746% | 544 |
| Core capital (leverage) ratio | 12.9645% | 1,193 |
| Tier 1 risk-based capital ratio | 22.0954% | 1,038 |
| Total risk-based capital ratio | 23.2465% | 1,028 |
| Memoranda: | ||
| Average total assets | $142,556,500 | 3,572 |
| Average earning assets | $115,165,000 | 3,827 |
| Average equity | $21,101,000 | 3,033 |
| Average total loans | $76,675,000 | 3,815 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,817 |
| Cost of funding earning assets | 0.4712% | 2,596 |
| Net interest margin | 3.6947% | 2,816 |
| Noninterest income to average assets | 0.8621% | 1,377 |
| Noninterest expense to average assets | 3.0829% | 1,906 |
| Loan and lease loss provision to assets | 0.0679% | 2,846 |
| Net operating income to assets | 0.7527% | 3,383 |
| Return on assets (ROA) | 0.8390% | 3,032 |
| Pretax return on assets | 0.8390% | 4,128 |
| Return on Equity (ROE) | 5.9350% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.2098% | 2,639 |
| Net charge-offs to loans | 0.0233% | 3,341 |
| Credit loss provision to net charge-offs | 588.2353% | 549 |
| Earnings coverage of net charge-offs (x) | 71.0588% | 845 |
| Efficiency ratio | 78.9767% | 1,224 |
| Assets per employee ($millions) | 5.0662% | 2,404 |
| Cash dividends to net income (ytd only)* | 29.0688% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,685 |
| Loan loss allowance to noncurrent loans | 140.7519% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 3,122 |
| Noncurrent loans to loans | 0.8634% | 2,070 |
| Net loans and leases to total assets | 50.0595% | 4,643 |
| Net loans and leases to deposits | 62.0744% | 4,447 |
| Net loans and leases to core deposits | 62.8394% | 4,605 |
| Total domestic deposits to total assets | 80.6444% | 4,210 |
| Equity capital to assets | 14.0374% | 897 |
| Core capital (leverage) ratio | 12.2463% | 1,472 |
| Tier 1 risk-based capital ratio | 20.3159% | 1,260 |
| Total risk-based capital ratio | 21.3934% | 1,248 |
| Memoranda: | ||
| Average total assets | $147,198,600 | 3,502 |
| Average earning assets | $121,173,400 | 3,722 |
| Average equity | $20,808,800 | 3,051 |
| Average total loans | $73,110,800 | 3,895 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 2,882 |
| Cost of funding earning assets | 0.4715% | 2,507 |
| Net interest margin | 3.6571% | 2,925 |
| Noninterest income to average assets | 0.9671% | 1,097 |
| Noninterest expense to average assets | 3.0857% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9132% | 2,955 |
| Return on assets (ROA) | 1.0310% | 2,446 |
| Pretax return on assets | 1.0310% | 3,563 |
| Return on Equity (ROE) | 7.2800% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.9651% | 2,911 |
| Net charge-offs to loans | 0.0333% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 55.5542% | 1,044 |
| Efficiency ratio | 77.1637% | 1,440 |
| Assets per employee ($millions) | 4.4791% | 3,180 |
| Cash dividends to net income (ytd only)* | 31.7976% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,447 |
| Loan loss allowance to noncurrent loans | 308.4871% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 4,374 |
| Noncurrent loans to loans | 0.3588% | 3,667 |
| Net loans and leases to total assets | 50.5389% | 4,665 |
| Net loans and leases to deposits | 62.8796% | 4,450 |
| Net loans and leases to core deposits | 63.6783% | 4,617 |
| Total domestic deposits to total assets | 80.3740% | 4,236 |
| Equity capital to assets | 14.3266% | 906 |
| Core capital (leverage) ratio | 12.3796% | 1,469 |
| Tier 1 risk-based capital ratio | 20.3697% | 1,294 |
| Total risk-based capital ratio | 21.3405% | 1,313 |
| Memoranda: | ||
| Average total assets | $146,001,500 | 3,553 |
| Average earning assets | $121,041,250 | 3,768 |
| Average equity | $20,677,250 | 3,088 |
| Average total loans | $72,133,500 | 3,947 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,064 |
| Cost of funding earning assets | 0.4686% | 2,423 |
| Net interest margin | 3.5664% | 3,158 |
| Noninterest income to average assets | 1.1582% | 753 |
| Noninterest expense to average assets | 3.0564% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0647% | 2,145 |
| Return on assets (ROA) | 1.2421% | 1,497 |
| Pretax return on assets | 1.2421% | 2,616 |
| Return on Equity (ROE) | 8.8050% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.1474% | 1,520 |
| Net charge-offs to loans | 0.0563% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 38.7000% | 1,277 |
| Efficiency ratio | 74.1656% | 1,979 |
| Assets per employee ($millions) | 3.9115% | 4,113 |
| Cash dividends to net income (ytd only)* | 18.8261% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,408 |
| Loan loss allowance to noncurrent loans | 299.6403% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 4,411 |
| Noncurrent loans to loans | 0.3779% | 3,671 |
| Net loans and leases to total assets | 50.2608% | 4,691 |
| Net loans and leases to deposits | 66.8103% | 4,162 |
| Net loans and leases to core deposits | 68.0554% | 4,347 |
| Total domestic deposits to total assets | 75.2292% | 5,175 |
| Equity capital to assets | 14.5654% | 809 |
| Core capital (leverage) ratio | 12.2950% | 1,477 |
| Tier 1 risk-based capital ratio | 20.7363% | 1,236 |
| Total risk-based capital ratio | 21.7231% | 1,244 |
| Memoranda: | ||
| Average total assets | $145,399,000 | 3,577 |
| Average earning assets | $120,792,670 | 3,791 |
| Average equity | $20,511,000 | 3,101 |
| Average total loans | $70,999,000 | 3,991 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,203 |
| Cost of funding earning assets | 0.4566% | 2,465 |
| Net interest margin | 3.4939% | 3,294 |
| Noninterest income to average assets | 1.7347% | 384 |
| Noninterest expense to average assets | 2.9670% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6660% | 589 |
| Return on assets (ROA) | 1.8060% | 451 |
| Pretax return on assets | 1.8060% | 786 |
| Return on Equity (ROE) | 13.0126% | 996 |
| Retained earnings to average equity (ytd only) | 13.0126% | 376 |
| Net charge-offs to loans | 0.0287% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 121.4000% | 450 |
| Efficiency ratio | 64.0403% | 3,829 |
| Assets per employee ($millions) | 4.0745% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 3,085 |
| Loan loss allowance to noncurrent loans | 282.6667% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 4,420 |
| Noncurrent loans to loans | 0.4272% | 3,562 |
| Net loans and leases to total assets | 47.2959% | 4,872 |
| Net loans and leases to deposits | 65.2689% | 4,228 |
| Net loans and leases to core deposits | 66.5142% | 4,398 |
| Total domestic deposits to total assets | 72.4631% | 5,519 |
| Equity capital to assets | 14.0562% | 884 |
| Core capital (leverage) ratio | 12.2271% | 1,483 |
| Tier 1 risk-based capital ratio | 21.6034% | 1,135 |
| Total risk-based capital ratio | 22.6545% | 1,139 |
| Memoranda: | ||
| Average total assets | $145,735,000 | 3,604 |
| Average earning assets | $120,897,000 | 3,825 |
| Average equity | $20,226,500 | 3,142 |
| Average total loans | $69,711,500 | 4,060 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,014 |
| Cost of funding earning assets | 0.4618% | 2,432 |
| Net interest margin | 3.5896% | 3,107 |
| Noninterest income to average assets | 0.7581% | 1,925 |
| Noninterest expense to average assets | 3.1593% | 1,876 |
| Loan and lease loss provision to assets | 0.0702% | 2,949 |
| Net operating income to assets | 0.5131% | 4,577 |
| Return on assets (ROA) | 0.7546% | 3,634 |
| Pretax return on assets | 0.7546% | 4,322 |
| Return on Equity (ROE) | 5.1905% | 4,334 |
| Retained earnings to average equity (ytd only) | 1.4244% | 4,698 |
| Net charge-offs to loans | 0.0384% | 3,258 |
| Credit loss provision to net charge-offs | 384.6154% | 819 |
| Earnings coverage of net charge-offs (x) | 31.9615% | 1,376 |
| Efficiency ratio | 84.4149% | 977 |
| Assets per employee ($millions) | 4.1368% | 3,727 |
| Cash dividends to net income (ytd only)* | 72.5581% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,921 |
| Loan loss allowance to noncurrent loans | 214.3216% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,186 |
| Noncurrent loans to loans | 0.5751% | 3,117 |
| Net loans and leases to total assets | 47.2052% | 4,943 |
| Net loans and leases to deposits | 63.7440% | 4,432 |
| Net loans and leases to core deposits | 64.9489% | 4,580 |
| Total domestic deposits to total assets | 74.0543% | 5,440 |
| Equity capital to assets | 13.6994% | 983 |
| Core capital (leverage) ratio | 11.8341% | 1,703 |
| Tier 1 risk-based capital ratio | 19.5832% | 1,458 |
| Total risk-based capital ratio | 20.5791% | 1,478 |
| Memoranda: | ||
| Average total assets | $142,468,800 | 3,632 |
| Average earning assets | $118,454,800 | 3,856 |
| Average equity | $20,711,000 | 3,096 |
| Average total loans | $67,629,800 | 4,096 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 2,990 |
| Cost of funding earning assets | 0.4609% | 2,456 |
| Net interest margin | 3.6082% | 3,042 |
| Noninterest income to average assets | 0.8128% | 1,707 |
| Noninterest expense to average assets | 3.1357% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6860% | 3,929 |
| Return on assets (ROA) | 0.9603% | 2,752 |
| Pretax return on assets | 0.9603% | 3,774 |
| Return on Equity (ROE) | 6.5104% | 3,833 |
| Retained earnings to average equity (ytd only) | 1.8601% | 4,751 |
| Net charge-offs to loans | 0.0436% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.1848% | 1,398 |
| Efficiency ratio | 82.0507% | 1,182 |
| Assets per employee ($millions) | 3.8509% | 4,214 |
| Cash dividends to net income (ytd only)* | 71.4288% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,902 |
| Loan loss allowance to noncurrent loans | 178.3529% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,226 |
| Noncurrent loans to loans | 0.6097% | 3,191 |
| Net loans and leases to total assets | 48.3889% | 4,935 |
| Net loans and leases to deposits | 65.5418% | 4,384 |
| Net loans and leases to core deposits | 66.6422% | 4,561 |
| Total domestic deposits to total assets | 73.8292% | 5,453 |
| Equity capital to assets | 14.9814% | 743 |
| Core capital (leverage) ratio | 12.0494% | 1,641 |
| Tier 1 risk-based capital ratio | 19.2236% | 1,621 |
| Total risk-based capital ratio | 20.0926% | 1,669 |
| Memoranda: | ||
| Average total assets | $141,889,250 | 3,655 |
| Average earning assets | $118,320,500 | 3,880 |
| Average equity | $20,930,000 | 3,098 |
| Average total loans | $67,237,250 | 4,145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 2,969 |
| Cost of funding earning assets | 0.4623% | 2,452 |
| Net interest margin | 3.6134% | 3,043 |
| Noninterest income to average assets | 0.8935% | 1,392 |
| Noninterest expense to average assets | 3.0729% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8328% | 3,164 |
| Return on assets (ROA) | 1.0742% | 2,192 |
| Pretax return on assets | 1.0742% | 3,309 |
| Return on Equity (ROE) | 7.3204% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.5107% | 4,285 |
| Net charge-offs to loans | 0.0482% | 2,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 1,216 |
| Efficiency ratio | 78.6773% | 1,694 |
| Assets per employee ($millions) | 3.7879% | 4,285 |
| Cash dividends to net income (ytd only)* | 65.7030% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,922 |
| Loan loss allowance to noncurrent loans | 262.1993% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,680 |
| Noncurrent loans to loans | 0.4213% | 3,842 |
| Net loans and leases to total assets | 47.4580% | 5,037 |
| Net loans and leases to deposits | 64.4869% | 4,459 |
| Net loans and leases to core deposits | 65.5620% | 4,643 |
| Total domestic deposits to total assets | 73.5932% | 5,561 |
| Equity capital to assets | 15.0396% | 720 |
| Core capital (leverage) ratio | 12.0765% | 1,572 |
| Tier 1 risk-based capital ratio | 19.3130% | 1,624 |
| Total risk-based capital ratio | 20.1945% | 1,672 |
| Memoranda: | ||
| Average total assets | $141,691,330 | 3,680 |
| Average earning assets | $118,115,670 | 3,913 |
| Average equity | $20,791,330 | 3,119 |
| Average total loans | $66,415,000 | 4,186 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 3,144 |
| Cost of funding earning assets | 0.4703% | 2,367 |
| Net interest margin | 3.5515% | 3,271 |
| Noninterest income to average assets | 0.6602% | 2,216 |
| Noninterest expense to average assets | 2.9538% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6716% | 3,872 |
| Return on assets (ROA) | 0.8281% | 3,234 |
| Pretax return on assets | 0.8281% | 4,110 |
| Return on Equity (ROE) | 5.7163% | 4,125 |
| Retained earnings to average equity (ytd only) | 1.7876% | 4,551 |
| Net charge-offs to loans | 0.0061% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 264 |
| Efficiency ratio | 81.4757% | 1,420 |
| Assets per employee ($millions) | 3.8272% | 4,251 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,775 |
| Loan loss allowance to noncurrent loans | 642.9752% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 5,239 |
| Noncurrent loans to loans | 0.1787% | 4,769 |
| Net loans and leases to total assets | 47.2590% | 5,024 |
| Net loans and leases to deposits | 63.1536% | 4,494 |
| Net loans and leases to core deposits | 64.2049% | 4,676 |
| Total domestic deposits to total assets | 74.8318% | 5,539 |
| Equity capital to assets | 14.6892% | 777 |
| Core capital (leverage) ratio | 12.0048% | 1,600 |
| Tier 1 risk-based capital ratio | 19.3222% | 1,652 |
| Total risk-based capital ratio | 20.2295% | 1,706 |
| Memoranda: | ||
| Average total assets | $140,567,000 | 3,732 |
| Average earning assets | $117,360,000 | 3,952 |
| Average equity | $20,363,000 | 3,159 |
| Average total loans | $65,085,500 | 4,240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 3,940 |
| Cost of funding earning assets | 0.4264% | 2,879 |
| Net interest margin | 3.4063% | 3,885 |
| Noninterest income to average assets | 0.6171% | 2,634 |
| Noninterest expense to average assets | 2.9349% | 2,749 |
| Loan and lease loss provision to assets | 0.0346% | 3,662 |
| Net operating income to assets | 0.5072% | 4,665 |
| Return on assets (ROA) | 0.7097% | 3,875 |
| Pretax return on assets | 0.7097% | 4,509 |
| Return on Equity (ROE) | 5.1722% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.1326% | 3,825 |
| Net charge-offs to loans | 0.0846% | 2,623 |
| Credit loss provision to net charge-offs | 102.0408% | 2,457 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 2,163 |
| Efficiency ratio | 84.4166% | 1,140 |
| Assets per employee ($millions) | 3.5776% | 4,679 |
| Cash dividends to net income (ytd only)* | 39.4352% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 3,192 |
| Loan loss allowance to noncurrent loans | 638.5246% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,274 |
| Noncurrent loans to loans | 0.1953% | 4,707 |
| Net loans and leases to total assets | 44.2151% | 5,271 |
| Net loans and leases to deposits | 57.5877% | 4,939 |
| Net loans and leases to core deposits | 58.7744% | 5,058 |
| Total domestic deposits to total assets | 76.7787% | 5,348 |
| Equity capital to assets | 14.2804% | 844 |
| Core capital (leverage) ratio | 12.0497% | 1,590 |
| Tier 1 risk-based capital ratio | 20.6334% | 1,364 |
| Total risk-based capital ratio | 21.6089% | 1,393 |
| Memoranda: | ||
| Average total assets | $144,705,000 | 3,654 |
| Average earning assets | $121,479,200 | 3,851 |
| Average equity | $19,856,000 | 3,186 |
| Average total loans | $57,907,600 | 4,428 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,956 |
| Cost of funding earning assets | 0.4175% | 3,034 |
| Net interest margin | 3.4262% | 3,853 |
| Noninterest income to average assets | 0.5963% | 2,762 |
| Noninterest expense to average assets | 2.9424% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5315% | 4,669 |
| Return on assets (ROA) | 0.6657% | 4,163 |
| Pretax return on assets | 0.6657% | 4,788 |
| Return on Equity (ROE) | 4.8994% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.5216% | 3,961 |
| Net charge-offs to loans | 0.1127% | 2,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.1247% | 2,434 |
| Efficiency ratio | 84.7003% | 1,108 |
| Assets per employee ($millions) | 3.5838% | 4,637 |
| Cash dividends to net income (ytd only)* | 28.1209% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,992 |
| Loan loss allowance to noncurrent loans | 511.1888% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 5,326 |
| Noncurrent loans to loans | 0.2582% | 4,655 |
| Net loans and leases to total assets | 40.1300% | 5,583 |
| Net loans and leases to deposits | 52.6650% | 5,330 |
| Net loans and leases to core deposits | 53.3691% | 5,439 |
| Total domestic deposits to total assets | 76.1986% | 5,460 |
| Equity capital to assets | 14.9378% | 750 |
| Core capital (leverage) ratio | 11.4475% | 2,078 |
| Tier 1 risk-based capital ratio | 22.5130% | 1,121 |
| Total risk-based capital ratio | 23.5192% | 1,137 |
| Memoranda: | ||
| Average total assets | $145,999,500 | 3,663 |
| Average earning assets | $122,621,250 | 3,870 |
| Average equity | $19,838,750 | 3,218 |
| Average total loans | $56,766,750 | 4,512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 4,367 |
| Cost of funding earning assets | 0.4092% | 3,171 |
| Net interest margin | 3.3050% | 4,285 |
| Noninterest income to average assets | 0.5802% | 2,853 |
| Noninterest expense to average assets | 2.7882% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5842% | 4,418 |
| Return on assets (ROA) | 0.6418% | 4,269 |
| Pretax return on assets | 0.6418% | 4,853 |
| Return on Equity (ROE) | 4.8702% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.5484% | 3,770 |
| Net charge-offs to loans | 0.1118% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 2,115 |
| Efficiency ratio | 82.6778% | 1,413 |
| Assets per employee ($millions) | 3.8156% | 4,229 |
| Cash dividends to net income (ytd only)* | 27.1399% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,903 |
| Loan loss allowance to noncurrent loans | 491.4474% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 4,749 |
| Noncurrent loans to loans | 0.2782% | 4,678 |
| Net loans and leases to total assets | 36.2133% | 5,808 |
| Net loans and leases to deposits | 52.8287% | 5,330 |
| Net loans and leases to core deposits | 53.3877% | 5,459 |
| Total domestic deposits to total assets | 68.5485% | 6,097 |
| Equity capital to assets | 13.2054% | 1,300 |
| Core capital (leverage) ratio | 11.2322% | 2,220 |
| Tier 1 risk-based capital ratio | 22.6086% | 1,126 |
| Total risk-based capital ratio | 23.6522% | 1,132 |
| Memoranda: | ||
| Average total assets | $149,271,000 | 3,637 |
| Average earning assets | $126,113,000 | 3,845 |
| Average equity | $19,670,670 | 3,247 |
| Average total loans | $57,228,330 | 4,532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 4,340 |
| Cost of funding earning assets | 0.4029% | 3,271 |
| Net interest margin | 3.3042% | 4,199 |
| Noninterest income to average assets | 0.5833% | 2,747 |
| Noninterest expense to average assets | 2.6943% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7197% | 3,699 |
| Return on assets (ROA) | 0.7706% | 3,561 |
| Pretax return on assets | 0.7706% | 4,349 |
| Return on Equity (ROE) | 5.8535% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.2275% | 3,475 |
| Net charge-offs to loans | -0.0068% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9185% | 2,054 |
| Assets per employee ($millions) | 3.8258% | 4,296 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,166 |
| Loan loss allowance to noncurrent loans | 220.3390% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,519 |
| Noncurrent loans to loans | 0.6106% | 3,743 |
| Net loans and leases to total assets | 38.3306% | 5,708 |
| Net loans and leases to deposits | 54.9506% | 5,128 |
| Net loans and leases to core deposits | 55.6602% | 5,276 |
| Total domestic deposits to total assets | 69.7548% | 6,143 |
| Equity capital to assets | 13.3439% | 1,241 |
| Core capital (leverage) ratio | 11.2063% | 2,227 |
| Tier 1 risk-based capital ratio | 21.9921% | 1,248 |
| Total risk-based capital ratio | 23.0600% | 1,249 |
| Memoranda: | ||
| Average total assets | $149,501,500 | 3,663 |
| Average earning assets | $128,080,000 | 3,828 |
| Average equity | $19,680,500 | 3,267 |
| Average total loans | $58,524,500 | 4,529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 4,318 |
| Cost of funding earning assets | 0.4197% | 3,480 |
| Net interest margin | 3.4300% | 4,066 |
| Noninterest income to average assets | 1.9639% | 353 |
| Noninterest expense to average assets | 2.8103% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1688% | 235 |
| Return on assets (ROA) | 2.1963% | 225 |
| Pretax return on assets | 2.1963% | 318 |
| Return on Equity (ROE) | 17.3091% | 458 |
| Retained earnings to average equity (ytd only) | 12.6197% | 250 |
| Net charge-offs to loans | 0.0382% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 146.6667% | 371 |
| Efficiency ratio | 56.4418% | 5,625 |
| Assets per employee ($millions) | 3.9420% | 4,077 |
| Cash dividends to net income (ytd only)* | 27.0920% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 3,324 |
| Loan loss allowance to noncurrent loans | 230.4734% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,786 |
| Noncurrent loans to loans | 0.5721% | 3,952 |
| Net loans and leases to total assets | 38.9183% | 5,801 |
| Net loans and leases to deposits | 54.0572% | 5,327 |
| Net loans and leases to core deposits | 54.7260% | 5,460 |
| Total domestic deposits to total assets | 71.9946% | 6,086 |
| Equity capital to assets | 12.9850% | 1,381 |
| Core capital (leverage) ratio | 11.4317% | 2,034 |
| Tier 1 risk-based capital ratio | 21.4895% | 1,313 |
| Total risk-based capital ratio | 22.5468% | 1,319 |
| Memoranda: | ||
| Average total assets | $142,013,000 | 3,761 |
| Average earning assets | $124,841,000 | 3,864 |
| Average equity | $18,019,400 | 3,392 |
| Average total loans | $54,968,200 | 4,649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,393 |
| Cost of funding earning assets | 0.4280% | 3,485 |
| Net interest margin | 3.4164% | 4,170 |
| Noninterest income to average assets | 2.4635% | 250 |
| Noninterest expense to average assets | 2.8186% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.6767% | 118 |
| Return on assets (ROA) | 2.7139% | 115 |
| Pretax return on assets | 2.7139% | 155 |
| Return on Equity (ROE) | 21.5227% | 207 |
| Retained earnings to average equity (ytd only) | 19.4845% | 77 |
| Net charge-offs to loans | 0.0445% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 156.2183% | 398 |
| Efficiency ratio | 51.2905% | 6,038 |
| Assets per employee ($millions) | 4.0074% | 3,866 |
| Cash dividends to net income (ytd only)* | 9.4703% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,271 |
| Loan loss allowance to noncurrent loans | 173.6142% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 4,966 |
| Noncurrent loans to loans | 0.7943% | 3,599 |
| Net loans and leases to total assets | 39.9254% | 5,816 |
| Net loans and leases to deposits | 54.4187% | 5,349 |
| Net loans and leases to core deposits | 54.9797% | 5,505 |
| Total domestic deposits to total assets | 73.3671% | 6,069 |
| Equity capital to assets | 13.9321% | 1,031 |
| Core capital (leverage) ratio | 11.9562% | 1,723 |
| Tier 1 risk-based capital ratio | 22.8735% | 1,135 |
| Total risk-based capital ratio | 23.9833% | 1,133 |
| Memoranda: | ||
| Average total assets | $140,067,250 | 3,826 |
| Average earning assets | $124,300,250 | 3,906 |
| Average equity | $17,661,500 | 3,454 |
| Average total loans | $53,941,000 | 4,733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 4,459 |
| Cost of funding earning assets | 0.4356% | 3,487 |
| Net interest margin | 3.3817% | 4,250 |
| Noninterest income to average assets | 0.6486% | 2,554 |
| Noninterest expense to average assets | 2.7585% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8957% | 2,836 |
| Return on assets (ROA) | 0.9514% | 2,638 |
| Pretax return on assets | 0.9514% | 3,674 |
| Return on Equity (ROE) | 7.8192% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.2363% | 2,807 |
| Net charge-offs to loans | 0.0566% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 1,024 |
| Efficiency ratio | 75.4887% | 2,725 |
| Assets per employee ($millions) | 3.8598% | 4,144 |
| Cash dividends to net income (ytd only)* | 33.0330% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,047 |
| Loan loss allowance to noncurrent loans | 193.3498% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 5,175 |
| Noncurrent loans to loans | 0.7584% | 3,805 |
| Net loans and leases to total assets | 37.9609% | 5,959 |
| Net loans and leases to deposits | 50.6195% | 5,590 |
| Net loans and leases to core deposits | 51.1377% | 5,727 |
| Total domestic deposits to total assets | 74.9926% | 6,026 |
| Equity capital to assets | 12.5778% | 1,597 |
| Core capital (leverage) ratio | 10.4529% | 3,005 |
| Tier 1 risk-based capital ratio | 20.7020% | 1,508 |
| Total risk-based capital ratio | 21.8623% | 1,514 |
| Memoranda: | ||
| Average total assets | $140,003,330 | 3,850 |
| Average earning assets | $124,432,670 | 3,925 |
| Average equity | $17,035,000 | 3,541 |
| Average total loans | $52,994,000 | 4,794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 4,393 |
| Cost of funding earning assets | 0.4598% | 3,313 |
| Net interest margin | 3.3623% | 4,282 |
| Noninterest income to average assets | 0.6689% | 2,350 |
| Noninterest expense to average assets | 2.7297% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9365% | 2,474 |
| Return on assets (ROA) | 0.9365% | 2,547 |
| Pretax return on assets | 0.9365% | 3,570 |
| Return on Equity (ROE) | 7.8268% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.8268% | 1,673 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4565% | 3,058 |
| Assets per employee ($millions) | 3.8197% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,151 |
| Loan loss allowance to noncurrent loans | 197.7723% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 5,266 |
| Noncurrent loans to loans | 0.7574% | 3,971 |
| Net loans and leases to total assets | 38.2113% | 5,929 |
| Net loans and leases to deposits | 49.3371% | 5,643 |
| Net loans and leases to core deposits | 49.8392% | 5,779 |
| Total domestic deposits to total assets | 77.4495% | 5,907 |
| Equity capital to assets | 12.4552% | 1,604 |
| Core capital (leverage) ratio | 10.0575% | 3,488 |
| Tier 1 risk-based capital ratio | 20.7058% | 1,534 |
| Total risk-based capital ratio | 21.9006% | 1,518 |
| Memoranda: | ||
| Average total assets | $140,529,500 | 3,870 |
| Average earning assets | $125,271,500 | 3,940 |
| Average equity | $16,814,000 | 3,574 |
| Average total loans | $52,725,000 | 4,833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 5,650 |
| Cost of funding earning assets | 0.5554% | 3,066 |
| Net interest margin | 2.9436% | 5,698 |
| Noninterest income to average assets | 1.3860% | 728 |
| Noninterest expense to average assets | 2.6945% | 4,119 |
| Loan and lease loss provision to assets | 0.0873% | 3,356 |
| Net operating income to assets | 1.2219% | 1,481 |
| Return on assets (ROA) | 1.3050% | 1,278 |
| Pretax return on assets | 1.3050% | 2,126 |
| Return on Equity (ROE) | 11.6457% | 1,536 |
| Retained earnings to average equity (ytd only) | 9.3079% | 707 |
| Net charge-offs to loans | 0.0544% | 4,466 |
| Credit loss provision to net charge-offs | 480.7692% | 481 |
| Earnings coverage of net charge-offs (x) | 72.0769% | 592 |
| Efficiency ratio | 67.3006% | 4,324 |
| Assets per employee ($millions) | 3.6808% | 4,524 |
| Cash dividends to net income (ytd only)* | 20.0749% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,034 |
| Loan loss allowance to noncurrent loans | 198.5112% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 5,401 |
| Noncurrent loans to loans | 0.7734% | 4,032 |
| Net loans and leases to total assets | 35.7416% | 6,217 |
| Net loans and leases to deposits | 45.4479% | 6,049 |
| Net loans and leases to core deposits | 46.3922% | 6,117 |
| Total domestic deposits to total assets | 78.6430% | 5,721 |
| Equity capital to assets | 11.4949% | 2,167 |
| Core capital (leverage) ratio | 9.8459% | 3,781 |
| Tier 1 risk-based capital ratio | 19.8541% | 1,684 |
| Total risk-based capital ratio | 21.0306% | 1,675 |
| Memoranda: | ||
| Average total assets | $143,141,800 | 3,828 |
| Average earning assets | $127,292,400 | 3,899 |
| Average equity | $16,040,200 | 3,693 |
| Average total loans | $47,819,600 | 5,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 5,844 |
| Cost of funding earning assets | 0.5748% | 3,048 |
| Net interest margin | 2.8437% | 5,934 |
| Noninterest income to average assets | 0.6012% | 3,138 |
| Noninterest expense to average assets | 2.6920% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4362% | 5,086 |
| Return on assets (ROA) | 0.5248% | 4,845 |
| Pretax return on assets | 0.5248% | 5,286 |
| Return on Equity (ROE) | 4.7137% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.5740% | 5,343 |
| Net charge-offs to loans | 0.0485% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.5245% | 1,307 |
| Efficiency ratio | 86.0548% | 1,358 |
| Assets per employee ($millions) | 3.9289% | 3,985 |
| Cash dividends to net income (ytd only)* | 66.6076% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 3,912 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 5,582 |
| Noncurrent loans to loans | 0.8080% | 4,220 |
| Net loans and leases to total assets | 34.1657% | 6,354 |
| Net loans and leases to deposits | 43.4748% | 6,234 |
| Net loans and leases to core deposits | 44.2600% | 6,292 |
| Total domestic deposits to total assets | 78.5874% | 5,816 |
| Equity capital to assets | 10.9835% | 2,771 |
| Core capital (leverage) ratio | 8.9906% | 5,142 |
| Tier 1 risk-based capital ratio | 19.0821% | 1,965 |
| Total risk-based capital ratio | 20.1502% | 1,979 |
| Memoranda: | ||
| Average total assets | $143,039,750 | 3,866 |
| Average earning assets | $127,108,000 | 3,933 |
| Average equity | $15,925,000 | 3,756 |
| Average total loans | $46,747,750 | 5,125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2556% | 6,152 |
| Cost of funding earning assets | 0.5864% | 3,068 |
| Net interest margin | 2.6692% | 6,230 |
| Noninterest income to average assets | 0.6060% | 3,150 |
| Noninterest expense to average assets | 2.6133% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3831% | 5,276 |
| Return on assets (ROA) | 0.5001% | 4,970 |
| Pretax return on assets | 0.5001% | 5,381 |
| Return on Equity (ROE) | 4.4721% | 5,014 |
| Retained earnings to average equity (ytd only) | -0.1993% | 5,892 |
| Net charge-offs to loans | 0.0130% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 502 |
| Efficiency ratio | 87.2152% | 1,301 |
| Assets per employee ($millions) | 3.3807% | 5,116 |
| Cash dividends to net income (ytd only)* | 104.4568% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,726 |
| Loan loss allowance to noncurrent loans | 137.3281% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 5,361 |
| Noncurrent loans to loans | 1.0696% | 3,789 |
| Net loans and leases to total assets | 33.8290% | 6,420 |
| Net loans and leases to deposits | 42.7073% | 6,294 |
| Net loans and leases to core deposits | 43.4871% | 6,352 |
| Total domestic deposits to total assets | 79.2113% | 5,773 |
| Equity capital to assets | 11.1162% | 2,642 |
| Core capital (leverage) ratio | 8.5457% | 5,616 |
| Tier 1 risk-based capital ratio | 19.0989% | 1,970 |
| Total risk-based capital ratio | 20.2110% | 1,969 |
| Memoranda: | ||
| Average total assets | $143,573,000 | 3,881 |
| Average earning assets | $128,579,330 | 3,934 |
| Average equity | $16,055,000 | 3,765 |
| Average total loans | $45,994,330 | 5,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0649% | 6,443 |
| Cost of funding earning assets | 0.5910% | 3,189 |
| Net interest margin | 2.4739% | 6,537 |
| Noninterest income to average assets | 0.6107% | 3,080 |
| Noninterest expense to average assets | 2.5333% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3013% | 5,562 |
| Return on assets (ROA) | 0.4930% | 4,856 |
| Pretax return on assets | 0.4930% | 5,283 |
| Return on Equity (ROE) | 4.3960% | 4,898 |
| Retained earnings to average equity (ytd only) | -4.7623% | 6,347 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3720% | 1,202 |
| Assets per employee ($millions) | 4.0104% | 3,921 |
| Cash dividends to net income (ytd only)* | 208.3333% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,663 |
| Loan loss allowance to noncurrent loans | 138.2643% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 5,521 |
| Noncurrent loans to loans | 1.1125% | 3,921 |
| Net loans and leases to total assets | 31.0813% | 6,561 |
| Net loans and leases to deposits | 39.9345% | 6,421 |
| Net loans and leases to core deposits | 40.7556% | 6,452 |
| Total domestic deposits to total assets | 77.8308% | 6,133 |
| Equity capital to assets | 11.2089% | 2,727 |
| Core capital (leverage) ratio | 8.3849% | 5,727 |
| Tier 1 risk-based capital ratio | 19.0736% | 2,029 |
| Total risk-based capital ratio | 20.1979% | 2,032 |
| Memoranda: | ||
| Average total assets | $146,055,000 | 3,879 |
| Average earning assets | $131,292,500 | 3,915 |
| Average equity | $16,378,500 | 3,755 |
| Average total loans | $45,197,000 | 5,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 6,120 |
| Cost of funding earning assets | 0.7854% | 2,778 |
| Net interest margin | 2.8722% | 6,279 |
| Noninterest income to average assets | 2.0626% | 415 |
| Noninterest expense to average assets | 2.5740% | 4,846 |
| Loan and lease loss provision to assets | 0.0424% | 5,323 |
| Net operating income to assets | 1.9855% | 364 |
| Return on assets (ROA) | 1.9862% | 399 |
| Pretax return on assets | 1.9869% | 622 |
| Return on Equity (ROE) | 17.3058% | 509 |
| Retained earnings to average equity (ytd only) | 4.6716% | 2,928 |
| Net charge-offs to loans | 0.0140% | 5,720 |
| Credit loss provision to net charge-offs | 1,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 83 |
| Efficiency ratio | 55.9244% | 6,064 |
| Assets per employee ($millions) | 3.8877% | 4,180 |
| Cash dividends to net income (ytd only)* | 73.0057% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,460 |
| Loan loss allowance to noncurrent loans | 127.9197% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,568 |
| Noncurrent loans to loans | 1.2227% | 3,803 |
| Net loans and leases to total assets | 29.8631% | 6,707 |
| Net loans and leases to deposits | 35.3915% | 6,699 |
| Net loans and leases to core deposits | 35.9642% | 6,727 |
| Total domestic deposits to total assets | 84.3794% | 4,137 |
| Equity capital to assets | 11.2188% | 2,709 |
| Core capital (leverage) ratio | 8.5492% | 5,544 |
| Tier 1 risk-based capital ratio | 19.7416% | 1,740 |
| Total risk-based capital ratio | 20.8865% | 1,743 |
| Memoranda: | ||
| Average total assets | $141,378,000 | 3,924 |
| Average earning assets | $125,026,000 | 3,997 |
| Average equity | $16,225,800 | 3,747 |
| Average total loans | $42,934,800 | 5,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 6,139 |
| Cost of funding earning assets | 0.8309% | 2,700 |
| Net interest margin | 2.9135% | 6,328 |
| Noninterest income to average assets | 0.5790% | 3,415 |
| Noninterest expense to average assets | 2.5552% | 4,898 |
| Loan and lease loss provision to assets | 0.0572% | 5,018 |
| Net operating income to assets | 0.5208% | 4,755 |
| Return on assets (ROA) | 0.5217% | 5,016 |
| Pretax return on assets | 0.5227% | 5,398 |
| Return on Equity (ROE) | 4.5191% | 5,038 |
| Retained earnings to average equity (ytd only) | 0.4709% | 5,948 |
| Net charge-offs to loans | 0.0220% | 5,358 |
| Credit loss provision to net charge-offs | 857.1429% | 327 |
| Earnings coverage of net charge-offs (x) | 86.7428% | 479 |
| Efficiency ratio | 81.5277% | 1,861 |
| Assets per employee ($millions) | 4.4886% | 2,932 |
| Cash dividends to net income (ytd only)* | 89.5793% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 3,403 |
| Loan loss allowance to noncurrent loans | 169.7337% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 6,033 |
| Noncurrent loans to loans | 0.9621% | 4,509 |
| Net loans and leases to total assets | 26.8787% | 6,902 |
| Net loans and leases to deposits | 31.3110% | 6,925 |
| Net loans and leases to core deposits | 31.7778% | 6,940 |
| Total domestic deposits to total assets | 85.8442% | 3,336 |
| Equity capital to assets | 10.2577% | 4,126 |
| Core capital (leverage) ratio | 8.3952% | 5,904 |
| Tier 1 risk-based capital ratio | 18.9790% | 2,017 |
| Total risk-based capital ratio | 20.1473% | 2,005 |
| Memoranda: | ||
| Average total assets | $139,789,000 | 3,993 |
| Average earning assets | $122,598,500 | 4,091 |
| Average equity | $16,138,750 | 3,797 |
| Average total loans | $42,463,750 | 5,467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 5,955 |
| Cost of funding earning assets | 0.8913% | 2,470 |
| Net interest margin | 2.9889% | 6,266 |
| Noninterest income to average assets | 0.5954% | 3,283 |
| Noninterest expense to average assets | 2.6787% | 4,500 |
| Loan and lease loss provision to assets | 0.0448% | 5,115 |
| Net operating income to assets | 0.5328% | 4,663 |
| Return on assets (ROA) | 0.5328% | 4,946 |
| Pretax return on assets | 0.5343% | 5,356 |
| Return on Equity (ROE) | 4.4220% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.4583% | 5,886 |
| Net charge-offs to loans | -0.0047% | 6,157 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2263% | 1,852 |
| Assets per employee ($millions) | 3.5667% | 4,823 |
| Cash dividends to net income (ytd only)* | 89.6359% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,450 |
| Loan loss allowance to noncurrent loans | 162.8297% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 6,005 |
| Noncurrent loans to loans | 1.0088% | 4,492 |
| Net loans and leases to total assets | 29.2289% | 6,892 |
| Net loans and leases to deposits | 34.5376% | 6,907 |
| Net loans and leases to core deposits | 34.8275% | 6,943 |
| Total domestic deposits to total assets | 84.6293% | 4,041 |
| Equity capital to assets | 11.5498% | 2,542 |
| Core capital (leverage) ratio | 8.3381% | 5,864 |
| Tier 1 risk-based capital ratio | 19.9054% | 1,721 |
| Total risk-based capital ratio | 21.0946% | 1,711 |
| Memoranda: | ||
| Average total assets | $134,018,000 | 4,117 |
| Average earning assets | $119,374,670 | 4,184 |
| Average equity | $16,146,670 | 3,782 |
| Average total loans | $42,309,000 | 5,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 5,862 |
| Cost of funding earning assets | 0.9393% | 2,382 |
| Net interest margin | 3.0298% | 6,230 |
| Noninterest income to average assets | 0.6206% | 3,100 |
| Noninterest expense to average assets | 2.7959% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5202% | 4,737 |
| Return on assets (ROA) | 0.5202% | 4,946 |
| Pretax return on assets | 0.5233% | 5,354 |
| Return on Equity (ROE) | 4.2256% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.5074% | 5,483 |
| Net charge-offs to loans | 0.0093% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 208 |
| Efficiency ratio | 84.2346% | 1,662 |
| Assets per employee ($millions) | 3.5659% | 4,963 |
| Cash dividends to net income (ytd only)* | 64.3275% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,903 |
| Loan loss allowance to noncurrent loans | 136.2105% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,994 |
| Noncurrent loans to loans | 1.1434% | 4,428 |
| Net loans and leases to total assets | 30.1809% | 6,902 |
| Net loans and leases to deposits | 37.0398% | 6,852 |
| Net loans and leases to core deposits | 37.3698% | 6,899 |
| Total domestic deposits to total assets | 81.4823% | 5,469 |
| Equity capital to assets | 11.9665% | 2,066 |
| Core capital (leverage) ratio | 9.1496% | 4,605 |
| Tier 1 risk-based capital ratio | 20.5799% | 1,568 |
| Total risk-based capital ratio | 21.7489% | 1,566 |
| Memoranda: | ||
| Average total assets | $131,476,000 | 4,203 |
| Average earning assets | $117,102,500 | 4,269 |
| Average equity | $16,187,000 | 3,784 |
| Average total loans | $42,795,000 | 5,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 4,336 |
| Cost of funding earning assets | 1.1865% | 2,116 |
| Net interest margin | 3.4923% | 5,170 |
| Noninterest income to average assets | 0.8320% | 1,919 |
| Noninterest expense to average assets | 2.9622% | 3,735 |
| Loan and lease loss provision to assets | 0.0856% | 5,530 |
| Net operating income to assets | 0.8663% | 2,751 |
| Return on assets (ROA) | 0.8671% | 2,888 |
| Pretax return on assets | 0.8671% | 3,720 |
| Return on Equity (ROE) | 6.7524% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.2051% | 4,644 |
| Net charge-offs to loans | 0.2575% | 4,165 |
| Credit loss provision to net charge-offs | 93.0435% | 3,875 |
| Earnings coverage of net charge-offs (x) | 10.3478% | 1,849 |
| Efficiency ratio | 75.6795% | 2,941 |
| Assets per employee ($millions) | 3.4446% | 5,147 |
| Cash dividends to net income (ytd only)* | 67.3432% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 4,145 |
| Loan loss allowance to noncurrent loans | 140.8696% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 6,057 |
| Noncurrent loans to loans | 1.0443% | 4,622 |
| Net loans and leases to total assets | 34.0521% | 6,869 |
| Net loans and leases to deposits | 42.5359% | 6,785 |
| Net loans and leases to core deposits | 43.2119% | 6,844 |
| Total domestic deposits to total assets | 80.0548% | 5,727 |
| Equity capital to assets | 12.6788% | 1,675 |
| Core capital (leverage) ratio | 9.3063% | 4,321 |
| Tier 1 risk-based capital ratio | 20.1469% | 1,607 |
| Total risk-based capital ratio | 21.2993% | 1,601 |
| Memoranda: | ||
| Average total assets | $125,007,400 | 4,271 |
| Average earning assets | $110,327,800 | 4,385 |
| Average equity | $16,053,600 | 3,721 |
| Average total loans | $44,653,800 | 5,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 3,994 |
| Cost of funding earning assets | 1.2354% | 2,087 |
| Net interest margin | 3.5713% | 4,892 |
| Noninterest income to average assets | 0.8971% | 1,663 |
| Noninterest expense to average assets | 2.9507% | 3,742 |
| Loan and lease loss provision to assets | 0.0268% | 6,108 |
| Net operating income to assets | 1.0675% | 2,080 |
| Return on assets (ROA) | 1.0686% | 2,220 |
| Pretax return on assets | 1.0686% | 3,134 |
| Return on Equity (ROE) | 8.2940% | 2,916 |
| Retained earnings to average equity (ytd only) | 4.2177% | 3,729 |
| Net charge-offs to loans | 0.0982% | 5,003 |
| Credit loss provision to net charge-offs | 75.7576% | 4,284 |
| Earnings coverage of net charge-offs (x) | 30.9386% | 915 |
| Efficiency ratio | 72.9465% | 3,373 |
| Assets per employee ($millions) | 3.7459% | 4,418 |
| Cash dividends to net income (ytd only)* | 49.1477% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,296 |
| Loan loss allowance to noncurrent loans | 111.9171% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 5,870 |
| Noncurrent loans to loans | 1.3034% | 4,359 |
| Net loans and leases to total assets | 35.4108% | 6,893 |
| Net loans and leases to deposits | 43.3490% | 6,864 |
| Net loans and leases to core deposits | 43.9008% | 6,925 |
| Total domestic deposits to total assets | 81.6875% | 5,199 |
| Equity capital to assets | 13.4183% | 1,404 |
| Core capital (leverage) ratio | 9.5219% | 4,118 |
| Tier 1 risk-based capital ratio | 20.7331% | 1,514 |
| Total risk-based capital ratio | 21.9030% | 1,499 |
| Memoranda: | ||
| Average total assets | $124,397,000 | 4,307 |
| Average earning assets | $109,647,750 | 4,431 |
| Average equity | $16,027,250 | 3,731 |
| Average total loans | $44,805,500 | 5,525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,828 |
| Cost of funding earning assets | 1.2828% | 2,051 |
| Net interest margin | 3.5751% | 4,810 |
| Noninterest income to average assets | 0.9995% | 1,320 |
| Noninterest expense to average assets | 2.9328% | 3,890 |
| Loan and lease loss provision to assets | 0.0401% | 5,809 |
| Net operating income to assets | 1.1744% | 1,648 |
| Return on assets (ROA) | 1.1760% | 1,731 |
| Pretax return on assets | 1.1760% | 2,572 |
| Return on Equity (ROE) | 9.2547% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.5932% | 2,644 |
| Net charge-offs to loans | -0.0089% | 6,660 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7157% | 3,983 |
| Assets per employee ($millions) | 3.5021% | 4,930 |
| Cash dividends to net income (ytd only)* | 39.5634% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,922 |
| Loan loss allowance to noncurrent loans | 111.6013% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 5,901 |
| Noncurrent loans to loans | 1.3845% | 4,333 |
| Net loans and leases to total assets | 35.5070% | 6,985 |
| Net loans and leases to deposits | 42.9614% | 6,957 |
| Net loans and leases to core deposits | 43.5063% | 7,026 |
| Total domestic deposits to total assets | 82.6487% | 4,928 |
| Equity capital to assets | 13.3202% | 1,371 |
| Core capital (leverage) ratio | 9.3705% | 4,154 |
| Tier 1 risk-based capital ratio | 20.5403% | 1,508 |
| Total risk-based capital ratio | 21.7706% | 1,485 |
| Memoranda: | ||
| Average total assets | $124,657,670 | 4,332 |
| Average earning assets | $109,759,330 | 4,453 |
| Average equity | $15,840,670 | 3,759 |
| Average total loans | $44,933,670 | 5,564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 4,187 |
| Cost of funding earning assets | 1.3287% | 2,018 |
| Net interest margin | 3.4446% | 5,248 |
| Noninterest income to average assets | 0.7160% | 2,481 |
| Noninterest expense to average assets | 2.8703% | 4,190 |
| Loan and lease loss provision to assets | 0.0477% | 5,403 |
| Net operating income to assets | 0.8337% | 2,865 |
| Return on assets (ROA) | 0.8337% | 2,923 |
| Pretax return on assets | 0.8337% | 3,772 |
| Return on Equity (ROE) | 6.7190% | 3,522 |
| Retained earnings to average equity (ytd only) | 2.8723% | 4,439 |
| Net charge-offs to loans | -0.0177% | 6,527 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5055% | 3,071 |
| Assets per employee ($millions) | 3.7582% | 4,401 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 4,166 |
| Loan loss allowance to noncurrent loans | 120.1786% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 6,099 |
| Noncurrent loans to loans | 1.2558% | 4,588 |
| Net loans and leases to total assets | 34.3716% | 7,081 |
| Net loans and leases to deposits | 41.5461% | 7,036 |
| Net loans and leases to core deposits | 41.9288% | 7,113 |
| Total domestic deposits to total assets | 82.7313% | 5,018 |
| Equity capital to assets | 12.2132% | 1,784 |
| Core capital (leverage) ratio | 8.9670% | 4,664 |
| Tier 1 risk-based capital ratio | 19.6875% | 1,651 |
| Total risk-based capital ratio | 20.8824% | 1,640 |
| Memoranda: | ||
| Average total assets | $125,700,000 | 4,342 |
| Average earning assets | $110,781,500 | 4,448 |
| Average equity | $15,597,500 | 3,797 |
| Average total loans | $45,298,000 | 5,596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 4,537 |
| Cost of funding earning assets | 1.5435% | 2,388 |
| Net interest margin | 3.4610% | 5,393 |
| Noninterest income to average assets | 0.6381% | 3,225 |
| Noninterest expense to average assets | 2.8342% | 4,461 |
| Loan and lease loss provision to assets | 0.0473% | 6,690 |
| Net operating income to assets | 0.8027% | 2,790 |
| Return on assets (ROA) | 0.8035% | 2,916 |
| Pretax return on assets | 0.8113% | 3,591 |
| Return on Equity (ROE) | 6.3496% | 3,420 |
| Retained earnings to average equity (ytd only) | 2.3967% | 4,199 |
| Net charge-offs to loans | 0.1645% | 5,348 |
| Credit loss provision to net charge-offs | 81.0811% | 5,522 |
| Earnings coverage of net charge-offs (x) | 14.7162% | 1,319 |
| Efficiency ratio | 76.7655% | 2,913 |
| Assets per employee ($millions) | 3.4339% | 5,099 |
| Cash dividends to net income (ytd only)* | 62.2549% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,394 |
| Loan loss allowance to noncurrent loans | 116.7260% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 6,127 |
| Noncurrent loans to loans | 1.2217% | 4,688 |
| Net loans and leases to total assets | 36.6826% | 7,125 |
| Net loans and leases to deposits | 44.1789% | 7,116 |
| Net loans and leases to core deposits | 44.4674% | 7,185 |
| Total domestic deposits to total assets | 83.0319% | 4,781 |
| Equity capital to assets | 12.6104% | 1,574 |
| Core capital (leverage) ratio | 8.9046% | 4,690 |
| Tier 1 risk-based capital ratio | 19.4163% | 1,615 |
| Total risk-based capital ratio | 20.5766% | 1,603 |
| Memoranda: | ||
| Average total assets | $126,949,200 | 4,336 |
| Average earning assets | $112,020,200 | 4,421 |
| Average equity | $16,064,000 | 3,747 |
| Average total loans | $44,974,200 | 5,705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 4,777 |
| Cost of funding earning assets | 1.5554% | 2,634 |
| Net interest margin | 3.4529% | 5,482 |
| Noninterest income to average assets | 0.6438% | 3,161 |
| Noninterest expense to average assets | 2.8078% | 4,452 |
| Loan and lease loss provision to assets | 0.0470% | 6,620 |
| Net operating income to assets | 0.8222% | 2,909 |
| Return on assets (ROA) | 0.8222% | 3,054 |
| Pretax return on assets | 0.8326% | 3,793 |
| Return on Equity (ROE) | 6.4923% | 3,580 |
| Retained earnings to average equity (ytd only) | 2.8260% | 4,447 |
| Net charge-offs to loans | 0.2027% | 4,727 |
| Credit loss provision to net charge-offs | 66.1765% | 5,529 |
| Earnings coverage of net charge-offs (x) | 12.3976% | 1,689 |
| Efficiency ratio | 76.1460% | 2,922 |
| Assets per employee ($millions) | 3.5359% | 4,891 |
| Cash dividends to net income (ytd only)* | 56.4722% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 4,323 |
| Loan loss allowance to noncurrent loans | 67.5704% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 5,629 |
| Noncurrent loans to loans | 2.1120% | 3,557 |
| Net loans and leases to total assets | 34.2123% | 7,336 |
| Net loans and leases to deposits | 42.6428% | 7,285 |
| Net loans and leases to core deposits | 43.0786% | 7,350 |
| Total domestic deposits to total assets | 80.2301% | 5,631 |
| Equity capital to assets | 12.4306% | 1,891 |
| Core capital (leverage) ratio | 8.7013% | 5,185 |
| Tier 1 risk-based capital ratio | 19.0788% | 1,736 |
| Total risk-based capital ratio | 20.2094% | 1,724 |
| Memoranda: | ||
| Average total assets | $127,781,500 | 4,375 |
| Average earning assets | $112,638,000 | 4,469 |
| Average equity | $16,182,750 | 3,773 |
| Average total loans | $44,717,000 | 5,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 4,374 |
| Cost of funding earning assets | 1.5740% | 2,805 |
| Net interest margin | 3.5412% | 5,087 |
| Noninterest income to average assets | 0.6406% | 3,060 |
| Noninterest expense to average assets | 2.8415% | 4,307 |
| Loan and lease loss provision to assets | 0.0473% | 6,492 |
| Net operating income to assets | 0.8630% | 2,684 |
| Return on assets (ROA) | 0.8630% | 2,819 |
| Pretax return on assets | 0.8788% | 3,585 |
| Return on Equity (ROE) | 6.7715% | 3,406 |
| Retained earnings to average equity (ytd only) | 3.3672% | 3,965 |
| Net charge-offs to loans | 0.2338% | 4,203 |
| Credit loss provision to net charge-offs | 57.6923% | 5,264 |
| Earnings coverage of net charge-offs (x) | 11.2885% | 1,780 |
| Efficiency ratio | 75.4188% | 3,177 |
| Assets per employee ($millions) | 3.4409% | 5,068 |
| Cash dividends to net income (ytd only)* | 50.2742% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,123 |
| Loan loss allowance to noncurrent loans | 71.0843% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 5,581 |
| Noncurrent loans to loans | 2.0540% | 3,649 |
| Net loans and leases to total assets | 34.4034% | 7,410 |
| Net loans and leases to deposits | 43.1247% | 7,349 |
| Net loans and leases to core deposits | 43.6903% | 7,409 |
| Total domestic deposits to total assets | 79.7766% | 5,797 |
| Equity capital to assets | 12.9775% | 1,582 |
| Core capital (leverage) ratio | 8.6963% | 5,079 |
| Tier 1 risk-based capital ratio | 19.5617% | 1,591 |
| Total risk-based capital ratio | 20.7303% | 1,584 |
| Memoranda: | ||
| Average total assets | $126,765,330 | 4,431 |
| Average earning assets | $111,941,000 | 4,511 |
| Average equity | $16,156,000 | 3,767 |
| Average total loans | $44,486,670 | 5,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 4,234 |
| Cost of funding earning assets | 1.5811% | 3,072 |
| Net interest margin | 3.5806% | 4,811 |
| Noninterest income to average assets | 0.6419% | 2,980 |
| Noninterest expense to average assets | 2.8840% | 4,123 |
| Loan and lease loss provision to assets | 0.0474% | 6,188 |
| Net operating income to assets | 0.9044% | 2,526 |
| Return on assets (ROA) | 0.9044% | 2,595 |
| Pretax return on assets | 0.9044% | 3,455 |
| Return on Equity (ROE) | 7.1621% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.6579% | 3,349 |
| Net charge-offs to loans | 0.2966% | 3,228 |
| Credit loss provision to net charge-offs | 45.4545% | 4,546 |
| Earnings coverage of net charge-offs (x) | 9.1212% | 1,891 |
| Efficiency ratio | 75.1855% | 3,362 |
| Assets per employee ($millions) | 3.6359% | 4,728 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 4,120 |
| Loan loss allowance to noncurrent loans | 74.0068% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 5,761 |
| Noncurrent loans to loans | 1.9756% | 3,823 |
| Net loans and leases to total assets | 34.5296% | 7,477 |
| Net loans and leases to deposits | 43.4380% | 7,422 |
| Net loans and leases to core deposits | 43.8310% | 7,488 |
| Total domestic deposits to total assets | 79.4917% | 5,953 |
| Equity capital to assets | 12.6540% | 1,675 |
| Core capital (leverage) ratio | 8.7321% | 4,972 |
| Tier 1 risk-based capital ratio | 19.3783% | 1,644 |
| Total risk-based capital ratio | 20.5505% | 1,625 |
| Memoranda: | ||
| Average total assets | $126,491,500 | 4,491 |
| Average earning assets | $112,830,500 | 4,543 |
| Average equity | $15,973,000 | 3,829 |
| Average total loans | $44,505,500 | 5,913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 5,572 |
| Cost of funding earning assets | 1.8296% | 3,839 |
| Net interest margin | 3.3879% | 5,411 |
| Noninterest income to average assets | 0.6594% | 3,223 |
| Noninterest expense to average assets | 2.9347% | 4,410 |
| Loan and lease loss provision to assets | 0.0162% | 7,338 |
| Net operating income to assets | 0.7201% | 2,854 |
| Return on assets (ROA) | 0.7201% | 2,928 |
| Pretax return on assets | 0.7201% | 3,507 |
| Return on Equity (ROE) | 5.7103% | 3,329 |
| Retained earnings to average equity (ytd only) | 2.3547% | 3,472 |
| Net charge-offs to loans | 0.0755% | 6,359 |
| Credit loss provision to net charge-offs | 58.8235% | 6,655 |
| Earnings coverage of net charge-offs (x) | 26.7647% | 843 |
| Efficiency ratio | 79.9427% | 2,899 |
| Assets per employee ($millions) | 3.5922% | 4,799 |
| Cash dividends to net income (ytd only)* | 58.7640% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,676 |
| Loan loss allowance to noncurrent loans | 76.9231% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 5,690 |
| Noncurrent loans to loans | 1.9609% | 3,712 |
| Net loans and leases to total assets | 34.7960% | 7,570 |
| Net loans and leases to deposits | 43.4197% | 7,535 |
| Net loans and leases to core deposits | 56.6963% | 7,382 |
| Total domestic deposits to total assets | 80.1387% | 5,635 |
| Equity capital to assets | 12.6011% | 1,698 |
| Core capital (leverage) ratio | 8.7171% | 4,895 |
| Tier 1 risk-based capital ratio | 18.9950% | 1,655 |
| Total risk-based capital ratio | 20.1965% | 1,632 |
| Memoranda: | ||
| Average total assets | $123,591,000 | 4,481 |
| Average earning assets | $109,862,200 | 4,566 |
| Average equity | $15,586,000 | 3,947 |
| Average total loans | $45,013,200 | 5,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 5,670 |
| Cost of funding earning assets | 1.8779% | 4,002 |
| Net interest margin | 3.3744% | 5,369 |
| Noninterest income to average assets | 0.6663% | 3,246 |
| Noninterest expense to average assets | 2.9633% | 4,192 |
| Loan and lease loss provision to assets | 0.0217% | 7,138 |
| Net operating income to assets | 0.6815% | 3,273 |
| Return on assets (ROA) | 0.6815% | 3,331 |
| Pretax return on assets | 0.6815% | 3,924 |
| Return on Equity (ROE) | 5.4031% | 3,790 |
| Retained earnings to average equity (ytd only) | 1.6235% | 4,407 |
| Net charge-offs to loans | 0.0266% | 6,507 |
| Credit loss provision to net charge-offs | 222.2222% | 1,966 |
| Earnings coverage of net charge-offs (x) | 72.1092% | 464 |
| Efficiency ratio | 80.8215% | 2,732 |
| Assets per employee ($millions) | 3.6370% | 4,587 |
| Cash dividends to net income (ytd only)* | 69.9517% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,122 |
| Loan loss allowance to noncurrent loans | 82.5623% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 5,763 |
| Noncurrent loans to loans | 1.9004% | 3,776 |
| Net loans and leases to total assets | 35.3084% | 7,639 |
| Net loans and leases to deposits | 44.2102% | 7,615 |
| Net loans and leases to core deposits | 58.4608% | 7,451 |
| Total domestic deposits to total assets | 79.8648% | 5,488 |
| Equity capital to assets | 12.9768% | 1,707 |
| Core capital (leverage) ratio | 8.6906% | 5,145 |
| Tier 1 risk-based capital ratio | 18.9811% | 1,752 |
| Total risk-based capital ratio | 20.2315% | 1,710 |
| Memoranda: | ||
| Average total assets | $123,057,000 | 4,518 |
| Average earning assets | $109,408,500 | 4,613 |
| Average equity | $15,521,750 | 3,999 |
| Average total loans | $45,162,000 | 5,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 5,617 |
| Cost of funding earning assets | 1.9241% | 4,144 |
| Net interest margin | 3.3847% | 5,238 |
| Noninterest income to average assets | 0.6837% | 3,092 |
| Noninterest expense to average assets | 2.9726% | 4,194 |
| Loan and lease loss provision to assets | 0.0326% | 6,912 |
| Net operating income to assets | 0.6854% | 3,317 |
| Return on assets (ROA) | 0.6854% | 3,430 |
| Pretax return on assets | 0.6854% | 4,052 |
| Return on Equity (ROE) | 5.4865% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.5769% | 4,455 |
| Net charge-offs to loans | 0.0616% | 5,633 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 960 |
| Efficiency ratio | 80.5470% | 2,959 |
| Assets per employee ($millions) | 3.2250% | 5,521 |
| Cash dividends to net income (ytd only)* | 71.2589% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 2,949 |
| Loan loss allowance to noncurrent loans | 87.6904% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 5,739 |
| Noncurrent loans to loans | 1.7686% | 3,854 |
| Net loans and leases to total assets | 35.7924% | 7,712 |
| Net loans and leases to deposits | 44.2026% | 7,695 |
| Net loans and leases to core deposits | 58.0849% | 7,523 |
| Total domestic deposits to total assets | 80.9736% | 5,093 |
| Equity capital to assets | 12.6649% | 1,848 |
| Core capital (leverage) ratio | 8.6605% | 5,165 |
| Tier 1 risk-based capital ratio | 18.8281% | 1,810 |
| Total risk-based capital ratio | 20.0855% | 1,766 |
| Memoranda: | ||
| Average total assets | $122,856,330 | 4,561 |
| Average earning assets | $109,139,670 | 4,649 |
| Average equity | $15,346,670 | 4,053 |
| Average total loans | $45,430,000 | 5,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 5,431 |
| Cost of funding earning assets | 1.9621% | 4,323 |
| Net interest margin | 3.4374% | 4,981 |
| Noninterest income to average assets | 0.6699% | 3,071 |
| Noninterest expense to average assets | 2.8486% | 4,339 |
| Loan and lease loss provision to assets | 0.0488% | 6,360 |
| Net operating income to assets | 0.8260% | 3,020 |
| Return on assets (ROA) | 0.8260% | 3,175 |
| Pretax return on assets | 0.8260% | 3,987 |
| Return on Equity (ROE) | 6.6581% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.1194% | 4,137 |
| Net charge-offs to loans | 0.0785% | 4,390 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 29.8889% | 1,057 |
| Efficiency ratio | 76.5066% | 3,401 |
| Assets per employee ($millions) | 3.6343% | 4,497 |
| Cash dividends to net income (ytd only)* | 53.1496% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 2,811 |
| Loan loss allowance to noncurrent loans | 86.2672% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 5,531 |
| Noncurrent loans to loans | 1.7741% | 3,603 |
| Net loans and leases to total assets | 35.9800% | 7,733 |
| Net loans and leases to deposits | 44.5660% | 7,707 |
| Net loans and leases to core deposits | 57.6409% | 7,542 |
| Total domestic deposits to total assets | 80.7342% | 5,075 |
| Equity capital to assets | 12.6985% | 1,889 |
| Core capital (leverage) ratio | 8.6585% | 5,236 |
| Tier 1 risk-based capital ratio | 18.6493% | 1,892 |
| Total risk-based capital ratio | 19.8951% | 1,845 |
| Memoranda: | ||
| Average total assets | $123,009,000 | 4,576 |
| Average earning assets | $109,270,000 | 4,662 |
| Average equity | $15,259,500 | 4,092 |
| Average total loans | $45,867,500 | 5,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6338% | 6,976 |
| Cost of funding earning assets | 2.5177% | 4,101 |
| Net interest margin | 3.1160% | 6,606 |
| Noninterest income to average assets | 0.6372% | 3,580 |
| Noninterest expense to average assets | 2.7496% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6485% | 4,114 |
| Return on assets (ROA) | 0.6501% | 3,958 |
| Pretax return on assets | 0.6501% | 4,542 |
| Return on Equity (ROE) | 5.6528% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.9304% | 4,673 |
| Net charge-offs to loans | 0.1153% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 1,935 |
| Efficiency ratio | 80.9160% | 2,467 |
| Assets per employee ($millions) | 3.4986% | 4,661 |
| Cash dividends to net income (ytd only)* | 83.5411% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 2,841 |
| Loan loss allowance to noncurrent loans | 72.2281% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 4,884 |
| Noncurrent loans to loans | 2.0328% | 2,724 |
| Net loans and leases to total assets | 37.4849% | 7,775 |
| Net loans and leases to deposits | 46.7624% | 7,761 |
| Net loans and leases to core deposits | 60.7084% | 7,555 |
| Total domestic deposits to total assets | 80.1604% | 4,957 |
| Equity capital to assets | 12.1092% | 2,225 |
| Core capital (leverage) ratio | 8.5232% | 5,531 |
| Tier 1 risk-based capital ratio | 18.2053% | 1,992 |
| Total risk-based capital ratio | 19.4249% | 1,948 |
| Memoranda: | ||
| Average total assets | $123,361,600 | 4,437 |
| Average earning assets | $109,305,400 | 4,528 |
| Average equity | $14,187,600 | 4,298 |
| Average total loans | $45,091,600 | 5,922 |