Home > Commercial Savings Bank > Performance and Condition Ratios
Commercial Savings 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 | 5.0566% | 3,017 |
| Cost of funding earning assets | 2.1916% | 1,460 |
| Net interest margin | 2.8650% | 3,611 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.5263% | 4,197 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.3783% | 1,300 |
| Return on assets (ROA) | 1.3675% | 1,325 |
| Pretax return on assets | 1.4175% | 1,694 |
| Return on Equity (ROE) | 18.8200% | 557 |
| Retained earnings to average equity (ytd only) | 18.4058% | 226 |
| Net charge-offs to loans | 0.0017% | 2,254 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,179.0000% | 78 |
| Efficiency ratio | 50.8750% | 3,841 |
| Assets per employee ($millions) | 12.8484% | 355 |
| Cash dividends to net income (ytd only)* | 2.1938% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,566 |
| Loan loss allowance to noncurrent loans | 430.0195% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 2,714 |
| Noncurrent loans to loans | 0.2128% | 2,739 |
| Net loans and leases to total assets | 74.3500% | 1,294 |
| Net loans and leases to deposits | 87.9915% | 1,305 |
| Net loans and leases to core deposits | 108.6641% | 903 |
| Total domestic deposits to total assets | 84.4900% | 2,766 |
| Equity capital to assets | 7.4892% | 3,858 |
| Core capital (leverage) ratio | 8.1342% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2771% | 2,113 |
| Memoranda: | ||
| Average total assets | $319,993,500 | 2,388 |
| Average earning assets | $308,270,500 | 2,332 |
| Average equity | $23,253,500 | 2,809 |
| Average total loans | $239,567,000 | 2,170 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 3,160 |
| Cost of funding earning assets | 2.4665% | 1,220 |
| Net interest margin | 2.4937% | 3,908 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 1.6124% | 4,171 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8930% | 2,409 |
| Return on assets (ROA) | 0.8943% | 2,406 |
| Pretax return on assets | 0.9301% | 2,720 |
| Return on Equity (ROE) | 13.7600% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.4894% | 1,620 |
| Net charge-offs to loans | 0.0112% | 2,501 |
| Credit loss provision to net charge-offs | 736.0000% | 479 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 723 |
| Efficiency ratio | 61.9648% | 2,952 |
| Assets per employee ($millions) | 12.2607% | 403 |
| Cash dividends to net income (ytd only)* | 52.8365% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 3,605 |
| Loan loss allowance to noncurrent loans | 164.5944% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,671 |
| Noncurrent loans to loans | 0.5539% | 1,690 |
| Net loans and leases to total assets | 74.0200% | 1,397 |
| Net loans and leases to deposits | 87.6925% | 1,429 |
| Net loans and leases to core deposits | 109.9217% | 941 |
| Total domestic deposits to total assets | 84.4000% | 2,686 |
| Equity capital to assets | 7.0429% | 3,947 |
| Core capital (leverage) ratio | 7.8412% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5327% | 2,378 |
| Memoranda: | ||
| Average total assets | $301,593,400 | 2,452 |
| Average earning assets | $290,570,200 | 2,393 |
| Average equity | $19,601,200 | 3,002 |
| Average total loans | $223,090,200 | 2,227 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 3,222 |
| Cost of funding earning assets | 2.4673% | 1,233 |
| Net interest margin | 2.4194% | 3,984 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.5140% | 4,248 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.9112% | 2,346 |
| Return on assets (ROA) | 0.9082% | 2,357 |
| Pretax return on assets | 0.9369% | 2,722 |
| Return on Equity (ROE) | 14.2900% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.7646% | 1,464 |
| Net charge-offs to loans | 0.0115% | 2,213 |
| Credit loss provision to net charge-offs | 778.9474% | 474 |
| Earnings coverage of net charge-offs (x) | 118.1053% | 719 |
| Efficiency ratio | 60.0712% | 3,156 |
| Assets per employee ($millions) | 11.4560% | 489 |
| Cash dividends to net income (ytd only)* | 45.6790% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 3,595 |
| Loan loss allowance to noncurrent loans | 251.8824% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 2,126 |
| Noncurrent loans to loans | 0.3656% | 2,178 |
| Net loans and leases to total assets | 74.4800% | 1,302 |
| Net loans and leases to deposits | 89.2242% | 1,319 |
| Net loans and leases to core deposits | 115.4484% | 748 |
| Total domestic deposits to total assets | 83.4700% | 2,731 |
| Equity capital to assets | 6.6260% | 4,212 |
| Core capital (leverage) ratio | 7.4074% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6821% | 2,639 |
| Memoranda: | ||
| Average total assets | $297,297,500 | 2,475 |
| Average earning assets | $286,403,750 | 2,418 |
| Average equity | $18,888,750 | 3,045 |
| Average total loans | $219,333,000 | 2,237 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 3,319 |
| Cost of funding earning assets | 2.4075% | 1,245 |
| Net interest margin | 2.3714% | 4,021 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.5691% | 4,210 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.8364% | 2,512 |
| Return on assets (ROA) | 0.8251% | 2,555 |
| Pretax return on assets | 0.8517% | 2,868 |
| Return on Equity (ROE) | 13.1900% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.4620% | 1,837 |
| Net charge-offs to loans | -0.0149% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.7573% | 2,807 |
| Assets per employee ($millions) | 11.0245% | 539 |
| Cash dividends to net income (ytd only)* | 50.9917% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,578 |
| Loan loss allowance to noncurrent loans | 247.0167% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 2,037 |
| Noncurrent loans to loans | 0.3772% | 2,061 |
| Net loans and leases to total assets | 73.9400% | 1,421 |
| Net loans and leases to deposits | 87.2844% | 1,542 |
| Net loans and leases to core deposits | 111.2321% | 926 |
| Total domestic deposits to total assets | 84.7200% | 2,393 |
| Equity capital to assets | 6.3172% | 4,153 |
| Core capital (leverage) ratio | 7.4818% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2275% | 2,511 |
| Memoranda: | ||
| Average total assets | $293,292,333 | 2,484 |
| Average earning assets | $282,787,333 | 2,426 |
| Average equity | $18,353,333 | 3,059 |
| Average total loans | $214,941,000 | 2,253 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 3,324 |
| Cost of funding earning assets | 2.3429% | 1,262 |
| Net interest margin | 2.3572% | 4,056 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.5156% | 4,270 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.8547% | 2,375 |
| Return on assets (ROA) | 0.8560% | 2,384 |
| Pretax return on assets | 0.8876% | 2,702 |
| Return on Equity (ROE) | 13.7500% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.7467% | 531 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.3516% | 2,996 |
| Assets per employee ($millions) | 11.2702% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,527 |
| Loan loss allowance to noncurrent loans | 484.2857% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,671 |
| Noncurrent loans to loans | 0.1960% | 2,645 |
| Net loans and leases to total assets | 72.4300% | 1,512 |
| Net loans and leases to deposits | 84.9040% | 1,640 |
| Net loans and leases to core deposits | 108.0569% | 1,024 |
| Total domestic deposits to total assets | 85.3000% | 2,325 |
| Equity capital to assets | 6.3049% | 4,133 |
| Core capital (leverage) ratio | 7.5488% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5850% | 2,393 |
| Memoranda: | ||
| Average total assets | $291,107,500 | 2,506 |
| Average earning assets | $280,674,000 | 2,446 |
| Average equity | $18,128,000 | 3,084 |
| Average total loans | $211,324,000 | 2,272 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,543 |
| Cost of funding earning assets | 1.6449% | 1,586 |
| Net interest margin | 2.5989% | 3,963 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5862% | 4,257 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9540% | 2,352 |
| Return on assets (ROA) | 0.9554% | 2,342 |
| Pretax return on assets | 1.0054% | 2,674 |
| Return on Equity (ROE) | 15.9100% | 1,112 |
| Retained earnings to average equity (ytd only) | 6.7211% | 1,980 |
| Net charge-offs to loans | 0.0121% | 2,198 |
| Credit loss provision to net charge-offs | 769.5652% | 492 |
| Earnings coverage of net charge-offs (x) | 127.3913% | 790 |
| Efficiency ratio | 59.7527% | 3,108 |
| Assets per employee ($millions) | 11.5676% | 462 |
| Cash dividends to net income (ytd only)* | 57.7481% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,470 |
| Loan loss allowance to noncurrent loans | 395.4813% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,362 |
| Noncurrent loans to loans | 0.2443% | 2,325 |
| Net loans and leases to total assets | 71.3600% | 1,657 |
| Net loans and leases to deposits | 82.8449% | 1,880 |
| Net loans and leases to core deposits | 104.6415% | 1,187 |
| Total domestic deposits to total assets | 86.1400% | 1,966 |
| Equity capital to assets | 6.1485% | 4,203 |
| Core capital (leverage) ratio | 7.4818% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6403% | 2,366 |
| Memoranda: | ||
| Average total assets | $274,232,200 | 2,553 |
| Average earning assets | $263,537,000 | 2,500 |
| Average equity | $16,470,600 | 3,142 |
| Average total loans | $189,993,800 | 2,360 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,653 |
| Cost of funding earning assets | 1.4443% | 1,754 |
| Net interest margin | 2.6619% | 3,932 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4901% | 4,321 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1080% | 2,029 |
| Return on assets (ROA) | 1.0977% | 2,048 |
| Pretax return on assets | 1.1554% | 2,402 |
| Return on Equity (ROE) | 18.3900% | 894 |
| Retained earnings to average equity (ytd only) | 10.7288% | 1,206 |
| Net charge-offs to loans | 0.0165% | 1,806 |
| Credit loss provision to net charge-offs | 578.2609% | 571 |
| Earnings coverage of net charge-offs (x) | 108.6522% | 884 |
| Efficiency ratio | 54.7447% | 3,521 |
| Assets per employee ($millions) | 10.8074% | 528 |
| Cash dividends to net income (ytd only)* | 41.6704% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,434 |
| Loan loss allowance to noncurrent loans | 1,773.8739% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,405 |
| Noncurrent loans to loans | 0.0556% | 3,358 |
| Net loans and leases to total assets | 70.3400% | 1,785 |
| Net loans and leases to deposits | 81.8227% | 1,912 |
| Net loans and leases to core deposits | 103.9674% | 1,125 |
| Total domestic deposits to total assets | 85.9600% | 2,208 |
| Equity capital to assets | 5.9041% | 4,022 |
| Core capital (leverage) ratio | 7.7889% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3215% | 2,151 |
| Memoranda: | ||
| Average total assets | $270,492,500 | 2,577 |
| Average earning assets | $259,955,750 | 2,526 |
| Average equity | $16,143,000 | 3,154 |
| Average total loans | $185,395,500 | 2,397 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,582 |
| Cost of funding earning assets | 1.3007% | 1,710 |
| Net interest margin | 2.7498% | 3,905 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.5034% | 4,330 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1829% | 1,875 |
| Return on assets (ROA) | 1.1993% | 1,823 |
| Pretax return on assets | 1.2622% | 2,183 |
| Return on Equity (ROE) | 20.0200% | 704 |
| Retained earnings to average equity (ytd only) | 12.2921% | 933 |
| Net charge-offs to loans | 0.0089% | 1,871 |
| Credit loss provision to net charge-offs | 525.0000% | 631 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 573 |
| Efficiency ratio | 54.0825% | 3,600 |
| Assets per employee ($millions) | 10.5207% | 572 |
| Cash dividends to net income (ytd only)* | 38.6009% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,350 |
| Loan loss allowance to noncurrent loans | 314.2857% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,094 |
| Noncurrent loans to loans | 0.3241% | 1,974 |
| Net loans and leases to total assets | 67.2200% | 2,041 |
| Net loans and leases to deposits | 78.3629% | 2,102 |
| Net loans and leases to core deposits | 91.0279% | 1,734 |
| Total domestic deposits to total assets | 85.7800% | 2,306 |
| Equity capital to assets | 6.0054% | 4,149 |
| Core capital (leverage) ratio | 7.9100% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8517% | 1,959 |
| Memoranda: | ||
| Average total assets | $266,992,333 | 2,599 |
| Average earning assets | $251,869,333 | 2,574 |
| Average equity | $15,994,000 | 3,191 |
| Average total loans | $180,657,333 | 2,435 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 3,686 |
| Cost of funding earning assets | 1.1221% | 1,689 |
| Net interest margin | 2.7722% | 3,985 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.4743% | 4,410 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2720% | 1,749 |
| Return on assets (ROA) | 1.2908% | 1,673 |
| Pretax return on assets | 1.3590% | 1,990 |
| Return on Equity (ROE) | 21.5800% | 614 |
| Retained earnings to average equity (ytd only) | 21.5750% | 302 |
| Net charge-offs to loans | 0.0157% | 1,379 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 129.1429% | 671 |
| Efficiency ratio | 51.8124% | 3,798 |
| Assets per employee ($millions) | 10.2440% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,321 |
| Loan loss allowance to noncurrent loans | 304.7231% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 1,962 |
| Noncurrent loans to loans | 0.3426% | 1,916 |
| Net loans and leases to total assets | 66.5900% | 1,999 |
| Net loans and leases to deposits | 76.1316% | 2,103 |
| Net loans and leases to core deposits | 88.8572% | 1,685 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 6.2239% | 4,130 |
| Core capital (leverage) ratio | 7.9314% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4072% | 1,825 |
| Memoranda: | ||
| Average total assets | $263,720,000 | 2,651 |
| Average earning assets | $253,086,500 | 2,599 |
| Average equity | $15,777,500 | 3,235 |
| Average total loans | $178,099,500 | 2,475 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 3,446 |
| Cost of funding earning assets | 0.5022% | 1,376 |
| Net interest margin | 2.8585% | 3,773 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.7017% | 4,176 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1528% | 1,961 |
| Return on assets (ROA) | 1.1596% | 1,870 |
| Pretax return on assets | 1.2193% | 2,373 |
| Return on Equity (ROE) | 18.3800% | 650 |
| Retained earnings to average equity (ytd only) | 8.6482% | 1,583 |
| Net charge-offs to loans | 0.0165% | 1,788 |
| Credit loss provision to net charge-offs | 311.1111% | 898 |
| Earnings coverage of net charge-offs (x) | 115.8148% | 901 |
| Efficiency ratio | 57.7375% | 3,380 |
| Assets per employee ($millions) | 10.0422% | 664 |
| Cash dividends to net income (ytd only)* | 52.9371% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,124 |
| Loan loss allowance to noncurrent loans | 1,049.7175% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,115 |
| Noncurrent loans to loans | 0.1000% | 3,047 |
| Net loans and leases to total assets | 67.0600% | 1,925 |
| Net loans and leases to deposits | 77.1628% | 2,022 |
| Net loans and leases to core deposits | 88.5164% | 1,580 |
| Total domestic deposits to total assets | 86.9100% | 2,416 |
| Equity capital to assets | 5.7366% | 4,172 |
| Core capital (leverage) ratio | 7.8567% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1758% | 1,911 |
| Memoranda: | ||
| Average total assets | $251,036,400 | 2,723 |
| Average earning assets | $239,741,200 | 2,672 |
| Average equity | $15,841,400 | 3,290 |
| Average total loans | $164,004,400 | 2,511 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 3,379 |
| Cost of funding earning assets | 0.3914% | 1,353 |
| Net interest margin | 2.8315% | 3,665 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.5746% | 4,329 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2283% | 1,595 |
| Return on assets (ROA) | 1.2329% | 1,556 |
| Pretax return on assets | 1.2989% | 2,051 |
| Return on Equity (ROE) | 19.0800% | 522 |
| Retained earnings to average equity (ytd only) | 12.0981% | 774 |
| Net charge-offs to loans | 0.0224% | 1,387 |
| Credit loss provision to net charge-offs | 233.3333% | 919 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 987 |
| Efficiency ratio | 54.2514% | 3,801 |
| Assets per employee ($millions) | 10.3296% | 593 |
| Cash dividends to net income (ytd only)* | 36.5970% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,094 |
| Loan loss allowance to noncurrent loans | 616.4430% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,811 |
| Noncurrent loans to loans | 0.1756% | 2,709 |
| Net loans and leases to total assets | 65.0200% | 1,980 |
| Net loans and leases to deposits | 72.6767% | 2,159 |
| Net loans and leases to core deposits | 82.5305% | 1,731 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 5.5654% | 4,107 |
| Core capital (leverage) ratio | 7.9453% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6987% | 1,811 |
| Memoranda: | ||
| Average total assets | $248,521,250 | 2,758 |
| Average earning assets | $237,086,000 | 2,706 |
| Average equity | $16,057,250 | 3,311 |
| Average total loans | $160,765,000 | 2,542 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 3,283 |
| Cost of funding earning assets | 0.3795% | 1,047 |
| Net interest margin | 2.7283% | 3,646 |
| Noninterest income to average assets | 0.2316% | 3,794 |
| Noninterest expense to average assets | 1.6185% | 4,283 |
| Loan and lease loss provision to assets | 0.0342% | 1,963 |
| Net operating income to assets | 1.1288% | 1,670 |
| Return on assets (ROA) | 1.1350% | 1,625 |
| Pretax return on assets | 1.1823% | 2,130 |
| Return on Equity (ROE) | 16.7519% | 595 |
| Retained earnings to average equity (ytd only) | 10.0006% | 1,021 |
| Net charge-offs to loans | 0.0127% | 1,538 |
| Credit loss provision to net charge-offs | 420.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 148.4000% | 650 |
| Efficiency ratio | 57.2211% | 3,653 |
| Assets per employee ($millions) | 10.2272% | 618 |
| Cash dividends to net income (ytd only)* | 40.3017% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,002 |
| Loan loss allowance to noncurrent loans | 2,909.5238% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,581 |
| Noncurrent loans to loans | 0.0391% | 3,654 |
| Net loans and leases to total assets | 62.3309% | 2,086 |
| Net loans and leases to deposits | 70.1625% | 2,186 |
| Net loans and leases to core deposits | 77.1077% | 1,913 |
| Total domestic deposits to total assets | 88.8380% | 2,250 |
| Equity capital to assets | 6.0122% | 4,196 |
| Core capital (leverage) ratio | 7.8805% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8289% | 1,756 |
| Memoranda: | ||
| Average total assets | $245,281,667 | 2,798 |
| Average earning assets | $233,479,667 | 2,764 |
| Average equity | $16,619,000 | 3,349 |
| Average total loans | $157,774,333 | 2,569 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0313% | 3,163 |
| Cost of funding earning assets | 0.3778% | 1,004 |
| Net interest margin | 2.6535% | 3,517 |
| Noninterest income to average assets | 0.2083% | 3,913 |
| Noninterest expense to average assets | 1.6578% | 4,198 |
| Loan and lease loss provision to assets | 0.0350% | 1,735 |
| Net operating income to assets | 0.9912% | 1,910 |
| Return on assets (ROA) | 1.0196% | 1,784 |
| Pretax return on assets | 1.0730% | 2,225 |
| Return on Equity (ROE) | 14.1975% | 798 |
| Retained earnings to average equity (ytd only) | 14.1975% | 362 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5968% | 3,422 |
| Assets per employee ($millions) | 10.1155% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,044 |
| Loan loss allowance to noncurrent loans | 317.9756% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,228 |
| Noncurrent loans to loans | 0.3656% | 2,176 |
| Net loans and leases to total assets | 63.8045% | 1,643 |
| Net loans and leases to deposits | 72.6943% | 1,725 |
| Net loans and leases to core deposits | 77.4229% | 1,662 |
| Total domestic deposits to total assets | 87.7709% | 2,639 |
| Equity capital to assets | 6.6956% | 4,343 |
| Core capital (leverage) ratio | 7.7351% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6093% | 1,952 |
| Memoranda: | ||
| Average total assets | $240,083,000 | 2,846 |
| Average earning assets | $228,683,000 | 2,822 |
| Average equity | $17,242,500 | 3,380 |
| Average total loans | $156,061,500 | 2,582 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0935% | 3,696 |
| Cost of funding earning assets | 0.4485% | 1,211 |
| Net interest margin | 2.6449% | 3,971 |
| Noninterest income to average assets | 0.6829% | 1,823 |
| Noninterest expense to average assets | 1.7563% | 4,215 |
| Loan and lease loss provision to assets | 0.0359% | 2,328 |
| Net operating income to assets | 1.3338% | 1,499 |
| Return on assets (ROA) | 1.3505% | 1,479 |
| Pretax return on assets | 1.4198% | 1,982 |
| Return on Equity (ROE) | 17.3201% | 542 |
| Retained earnings to average equity (ytd only) | 9.1756% | 1,146 |
| Net charge-offs to loans | -0.0123% | 3,809 |
| Credit loss provision to net charge-offs | -442.1053% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9799% | 3,824 |
| Assets per employee ($millions) | 8.7923% | 985 |
| Cash dividends to net income (ytd only)* | 47.0234% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 3,085 |
| Loan loss allowance to noncurrent loans | 244.7011% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 1,997 |
| Noncurrent loans to loans | 0.4736% | 1,944 |
| Net loans and leases to total assets | 64.7028% | 1,622 |
| Net loans and leases to deposits | 75.0212% | 1,637 |
| Net loans and leases to core deposits | 80.9132% | 1,524 |
| Total domestic deposits to total assets | 86.2460% | 2,820 |
| Equity capital to assets | 7.6792% | 4,511 |
| Core capital (leverage) ratio | 7.8972% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7475% | 1,950 |
| Memoranda: | ||
| Average total assets | $233,843,600 | 2,827 |
| Average earning assets | $222,049,800 | 2,798 |
| Average equity | $18,233,200 | 3,366 |
| Average total loans | $154,892,400 | 2,590 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0956% | 3,822 |
| Cost of funding earning assets | 0.4564% | 1,311 |
| Net interest margin | 2.6392% | 4,074 |
| Noninterest income to average assets | 0.8585% | 1,356 |
| Noninterest expense to average assets | 1.6100% | 4,457 |
| Loan and lease loss provision to assets | 0.0361% | 2,275 |
| Net operating income to assets | 1.6278% | 960 |
| Return on assets (ROA) | 1.6392% | 986 |
| Pretax return on assets | 1.7296% | 1,335 |
| Return on Equity (ROE) | 20.9420% | 363 |
| Retained earnings to average equity (ytd only) | 15.2020% | 369 |
| Net charge-offs to loans | -0.0172% | 3,907 |
| Credit loss provision to net charge-offs | -315.0000% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8646% | 4,374 |
| Assets per employee ($millions) | 8.8295% | 949 |
| Cash dividends to net income (ytd only)* | 27.4092% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,149 |
| Loan loss allowance to noncurrent loans | 179.2548% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 1,797 |
| Noncurrent loans to loans | 0.6491% | 1,687 |
| Net loans and leases to total assets | 63.4256% | 1,849 |
| Net loans and leases to deposits | 74.5854% | 1,802 |
| Net loans and leases to core deposits | 81.8190% | 1,583 |
| Total domestic deposits to total assets | 85.0375% | 3,101 |
| Equity capital to assets | 8.0341% | 4,504 |
| Core capital (leverage) ratio | 8.1287% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7650% | 2,059 |
| Memoranda: | ||
| Average total assets | $232,956,250 | 2,861 |
| Average earning assets | $221,123,000 | 2,830 |
| Average equity | $18,234,000 | 3,407 |
| Average total loans | $154,765,250 | 2,630 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1148% | 3,831 |
| Cost of funding earning assets | 0.4641% | 1,421 |
| Net interest margin | 2.6507% | 4,078 |
| Noninterest income to average assets | 0.7017% | 1,802 |
| Noninterest expense to average assets | 1.6717% | 4,405 |
| Loan and lease loss provision to assets | 0.0363% | 2,264 |
| Net operating income to assets | 1.4336% | 1,471 |
| Return on assets (ROA) | 1.4467% | 1,495 |
| Pretax return on assets | 1.5229% | 1,950 |
| Return on Equity (ROE) | 18.6527% | 578 |
| Retained earnings to average equity (ytd only) | 13.1529% | 690 |
| Net charge-offs to loans | -0.0232% | 4,047 |
| Credit loss provision to net charge-offs | -233.3333% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9634% | 4,052 |
| Assets per employee ($millions) | 8.8159% | 916 |
| Cash dividends to net income (ytd only)* | 29.4856% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,319 |
| Loan loss allowance to noncurrent loans | 229.0365% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 2,306 |
| Noncurrent loans to loans | 0.4903% | 2,212 |
| Net loans and leases to total assets | 65.0708% | 1,817 |
| Net loans and leases to deposits | 76.2087% | 1,799 |
| Net loans and leases to core deposits | 84.1403% | 1,550 |
| Total domestic deposits to total assets | 85.3850% | 2,947 |
| Equity capital to assets | 7.7032% | 4,676 |
| Core capital (leverage) ratio | 7.8123% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7916% | 2,058 |
| Memoranda: | ||
| Average total assets | $231,143,000 | 2,874 |
| Average earning assets | $219,339,333 | 2,835 |
| Average equity | $17,927,667 | 3,434 |
| Average total loans | $155,359,000 | 2,634 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0744% | 3,939 |
| Cost of funding earning assets | 0.4721% | 1,580 |
| Net interest margin | 2.6023% | 4,146 |
| Noninterest income to average assets | 0.5639% | 2,356 |
| Noninterest expense to average assets | 1.6144% | 4,512 |
| Loan and lease loss provision to assets | 0.0369% | 2,282 |
| Net operating income to assets | 1.3413% | 1,704 |
| Return on assets (ROA) | 1.3650% | 1,731 |
| Pretax return on assets | 1.4159% | 2,239 |
| Return on Equity (ROE) | 17.5360% | 776 |
| Retained earnings to average equity (ytd only) | 17.5360% | 387 |
| Net charge-offs to loans | -0.0052% | 3,407 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0600% | 3,903 |
| Assets per employee ($millions) | 8.5950% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,458 |
| Loan loss allowance to noncurrent loans | 156.0290% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,964 |
| Noncurrent loans to loans | 0.7020% | 1,833 |
| Net loans and leases to total assets | 66.9603% | 1,669 |
| Net loans and leases to deposits | 78.6723% | 1,649 |
| Net loans and leases to core deposits | 87.5359% | 1,409 |
| Total domestic deposits to total assets | 85.1129% | 3,055 |
| Equity capital to assets | 7.7426% | 4,617 |
| Core capital (leverage) ratio | 7.9806% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5496% | 2,471 |
| Memoranda: | ||
| Average total assets | $227,699,500 | 2,881 |
| Average earning assets | $216,886,500 | 2,840 |
| Average equity | $17,723,500 | 3,450 |
| Average total loans | $154,715,000 | 2,647 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 3,538 |
| Cost of funding earning assets | 0.7751% | 1,322 |
| Net interest margin | 2.9403% | 4,037 |
| Noninterest income to average assets | 0.3885% | 3,163 |
| Noninterest expense to average assets | 1.9740% | 4,191 |
| Loan and lease loss provision to assets | 0.0398% | 3,903 |
| Net operating income to assets | 1.0988% | 1,928 |
| Return on assets (ROA) | 1.0997% | 2,046 |
| Pretax return on assets | 1.1542% | 2,499 |
| Return on Equity (ROE) | 13.5359% | 913 |
| Retained earnings to average equity (ytd only) | 5.8745% | 1,857 |
| Net charge-offs to loans | 0.0720% | 1,766 |
| Credit loss provision to net charge-offs | 75.0000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 22.4554% | 1,852 |
| Efficiency ratio | 62.3277% | 3,071 |
| Assets per employee ($millions) | 8.5897% | 868 |
| Cash dividends to net income (ytd only)* | 56.6005% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,389 |
| Loan loss allowance to noncurrent loans | 160.6433% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,142 |
| Noncurrent loans to loans | 0.6939% | 1,950 |
| Net loans and leases to total assets | 67.4414% | 1,896 |
| Net loans and leases to deposits | 79.2894% | 1,947 |
| Net loans and leases to core deposits | 88.6010% | 1,634 |
| Total domestic deposits to total assets | 85.0573% | 2,740 |
| Equity capital to assets | 7.8264% | 4,767 |
| Core capital (leverage) ratio | 7.7165% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0155% | 2,622 |
| Memoranda: | ||
| Average total assets | $210,792,000 | 2,854 |
| Average earning assets | $199,196,600 | 2,830 |
| Average equity | $17,124,800 | 3,444 |
| Average total loans | $155,651,000 | 2,611 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 3,457 |
| Cost of funding earning assets | 0.8349% | 1,337 |
| Net interest margin | 2.9986% | 3,979 |
| Noninterest income to average assets | 0.1843% | 4,371 |
| Noninterest expense to average assets | 1.7342% | 4,584 |
| Loan and lease loss provision to assets | 0.0405% | 3,845 |
| Net operating income to assets | 1.1774% | 1,718 |
| Return on assets (ROA) | 1.1737% | 1,857 |
| Pretax return on assets | 1.2353% | 2,275 |
| Return on Equity (ROE) | 14.3064% | 822 |
| Retained earnings to average equity (ytd only) | 8.1393% | 1,258 |
| Net charge-offs to loans | 0.1150% | 1,205 |
| Credit loss provision to net charge-offs | 46.6667% | 2,903 |
| Earnings coverage of net charge-offs (x) | 14.7630% | 2,133 |
| Efficiency ratio | 57.5415% | 3,731 |
| Assets per employee ($millions) | 8.3752% | 884 |
| Cash dividends to net income (ytd only)* | 43.1072% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,687 |
| Loan loss allowance to noncurrent loans | 189.6789% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 2,579 |
| Noncurrent loans to loans | 0.5303% | 2,475 |
| Net loans and leases to total assets | 74.7555% | 1,275 |
| Net loans and leases to deposits | 90.9824% | 1,163 |
| Net loans and leases to core deposits | 103.2913% | 966 |
| Total domestic deposits to total assets | 82.1647% | 3,377 |
| Equity capital to assets | 8.0586% | 4,692 |
| Core capital (leverage) ratio | 7.9101% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0886% | 2,901 |
| Memoranda: | ||
| Average total assets | $207,656,750 | 2,862 |
| Average earning assets | $195,950,500 | 2,845 |
| Average equity | $17,036,250 | 3,459 |
| Average total loans | $156,484,500 | 2,605 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,486 |
| Cost of funding earning assets | 0.9035% | 1,363 |
| Net interest margin | 3.0407% | 4,037 |
| Noninterest income to average assets | 0.1517% | 4,537 |
| Noninterest expense to average assets | 1.7818% | 4,583 |
| Loan and lease loss provision to assets | 0.0411% | 3,763 |
| Net operating income to assets | 1.1351% | 1,861 |
| Return on assets (ROA) | 1.1258% | 2,002 |
| Pretax return on assets | 1.1856% | 2,407 |
| Return on Equity (ROE) | 13.6372% | 948 |
| Retained earnings to average equity (ytd only) | 7.4234% | 1,493 |
| Net charge-offs to loans | -0.0013% | 3,773 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0334% | 3,549 |
| Assets per employee ($millions) | 7.7738% | 1,049 |
| Cash dividends to net income (ytd only)* | 45.5652% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,134 |
| Loan loss allowance to noncurrent loans | 139.8419% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 2,068 |
| Noncurrent loans to loans | 0.7785% | 1,940 |
| Net loans and leases to total assets | 73.8411% | 1,433 |
| Net loans and leases to deposits | 89.9202% | 1,361 |
| Net loans and leases to core deposits | 101.9524% | 1,117 |
| Total domestic deposits to total assets | 82.1185% | 3,335 |
| Equity capital to assets | 7.8786% | 4,772 |
| Core capital (leverage) ratio | 7.9883% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4951% | 3,087 |
| Memoranda: | ||
| Average total assets | $204,291,000 | 2,870 |
| Average earning assets | $192,587,667 | 2,850 |
| Average equity | $16,865,667 | 3,474 |
| Average total loans | $153,833,667 | 2,624 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 3,247 |
| Cost of funding earning assets | 1.0190% | 1,340 |
| Net interest margin | 3.1711% | 3,931 |
| Noninterest income to average assets | 0.1296% | 4,722 |
| Noninterest expense to average assets | 1.8583% | 4,592 |
| Loan and lease loss provision to assets | 0.0425% | 3,245 |
| Net operating income to assets | 1.1672% | 1,627 |
| Return on assets (ROA) | 1.1417% | 1,820 |
| Pretax return on assets | 1.1822% | 2,258 |
| Return on Equity (ROE) | 13.4896% | 792 |
| Retained earnings to average equity (ytd only) | 13.4896% | 286 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7656% | 3,768 |
| Assets per employee ($millions) | 7.7005% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,831 |
| Loan loss allowance to noncurrent loans | 265.0986% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 3,129 |
| Noncurrent loans to loans | 0.4407% | 2,938 |
| Net loans and leases to total assets | 73.8222% | 1,638 |
| Net loans and leases to deposits | 91.2335% | 1,373 |
| Net loans and leases to core deposits | 105.6461% | 1,082 |
| Total domestic deposits to total assets | 80.9157% | 3,685 |
| Equity capital to assets | 8.5305% | 4,818 |
| Core capital (leverage) ratio | 8.6080% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3202% | 2,997 |
| Memoranda: | ||
| Average total assets | $197,603,500 | 2,893 |
| Average earning assets | $185,674,500 | 2,862 |
| Average equity | $16,724,000 | 3,497 |
| Average total loans | $149,502,500 | 2,645 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 2,932 |
| Cost of funding earning assets | 1.0791% | 1,406 |
| Net interest margin | 3.4234% | 3,670 |
| Noninterest income to average assets | 0.2011% | 4,456 |
| Noninterest expense to average assets | 1.9224% | 4,637 |
| Loan and lease loss provision to assets | 0.0435% | 3,141 |
| Net operating income to assets | 1.3617% | 1,470 |
| Return on assets (ROA) | 1.3835% | 1,479 |
| Pretax return on assets | 1.4105% | 2,118 |
| Return on Equity (ROE) | 16.8906% | 431 |
| Retained earnings to average equity (ytd only) | 8.6288% | 804 |
| Net charge-offs to loans | -0.0120% | 4,519 |
| Credit loss provision to net charge-offs | -466.6667% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3150% | 4,049 |
| Assets per employee ($millions) | 7.2220% | 967 |
| Cash dividends to net income (ytd only)* | 48.9139% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,676 |
| Loan loss allowance to noncurrent loans | 304.4092% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 3,271 |
| Noncurrent loans to loans | 0.3794% | 3,075 |
| Net loans and leases to total assets | 75.7614% | 1,453 |
| Net loans and leases to deposits | 92.5975% | 1,298 |
| Net loans and leases to core deposits | 109.3680% | 889 |
| Total domestic deposits to total assets | 81.8180% | 3,554 |
| Equity capital to assets | 8.3946% | 4,952 |
| Core capital (leverage) ratio | 8.3616% | 4,921 |
| Tier 1 risk-based capital ratio | 11.3259% | 4,719 |
| Total risk-based capital ratio | 12.5235% | 4,634 |
| Memoranda: | ||
| Average total assets | $192,986,600 | 2,896 |
| Average earning assets | $177,745,800 | 2,908 |
| Average equity | $15,807,600 | 3,563 |
| Average total loans | $149,411,800 | 2,625 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 2,573 |
| Cost of funding earning assets | 1.0987% | 1,365 |
| Net interest margin | 3.5497% | 3,404 |
| Noninterest income to average assets | 0.1621% | 4,737 |
| Noninterest expense to average assets | 1.8107% | 4,805 |
| Loan and lease loss provision to assets | 0.0436% | 3,034 |
| Net operating income to assets | 1.4574% | 1,312 |
| Return on assets (ROA) | 1.4574% | 1,364 |
| Pretax return on assets | 1.4900% | 1,985 |
| Return on Equity (ROE) | 17.9052% | 401 |
| Retained earnings to average equity (ytd only) | 11.2163% | 488 |
| Net charge-offs to loans | -0.0161% | 4,523 |
| Credit loss provision to net charge-offs | -350.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1425% | 4,378 |
| Assets per employee ($millions) | 7.6685% | 785 |
| Cash dividends to net income (ytd only)* | 37.3573% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 2,843 |
| Loan loss allowance to noncurrent loans | 407.8947% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,702 |
| Noncurrent loans to loans | 0.2786% | 3,541 |
| Net loans and leases to total assets | 77.3662% | 1,251 |
| Net loans and leases to deposits | 95.8004% | 1,039 |
| Net loans and leases to core deposits | 110.7700% | 911 |
| Total domestic deposits to total assets | 80.7577% | 3,816 |
| Equity capital to assets | 8.5106% | 4,996 |
| Core capital (leverage) ratio | 8.5853% | 4,899 |
| Tier 1 risk-based capital ratio | 11.3245% | 4,750 |
| Total risk-based capital ratio | 12.5107% | 4,686 |
| Memoranda: | ||
| Average total assets | $192,484,500 | 2,923 |
| Average earning assets | $172,556,500 | 2,984 |
| Average equity | $15,667,250 | 3,616 |
| Average total loans | $149,400,500 | 2,651 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 2,811 |
| Cost of funding earning assets | 1.0600% | 1,454 |
| Net interest margin | 3.4986% | 3,600 |
| Noninterest income to average assets | 0.1671% | 4,750 |
| Noninterest expense to average assets | 1.8284% | 4,843 |
| Loan and lease loss provision to assets | 0.0436% | 2,953 |
| Net operating income to assets | 1.4724% | 1,224 |
| Return on assets (ROA) | 1.4724% | 1,277 |
| Pretax return on assets | 1.4839% | 1,909 |
| Return on Equity (ROE) | 18.3677% | 364 |
| Retained earnings to average equity (ytd only) | 11.5850% | 467 |
| Net charge-offs to loans | 0.0080% | 2,859 |
| Credit loss provision to net charge-offs | 700.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 245.3333% | 329 |
| Efficiency ratio | 54.4836% | 4,416 |
| Assets per employee ($millions) | 7.6574% | 756 |
| Cash dividends to net income (ytd only)* | 36.9274% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,020 |
| Loan loss allowance to noncurrent loans | 535.4839% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 3,782 |
| Noncurrent loans to loans | 0.2072% | 3,802 |
| Net loans and leases to total assets | 77.2718% | 1,350 |
| Net loans and leases to deposits | 94.4991% | 1,204 |
| Net loans and leases to core deposits | 107.4364% | 1,143 |
| Total domestic deposits to total assets | 81.7699% | 3,587 |
| Equity capital to assets | 8.3004% | 5,119 |
| Core capital (leverage) ratio | 8.2507% | 5,084 |
| Tier 1 risk-based capital ratio | 11.1857% | 4,841 |
| Total risk-based capital ratio | 12.3568% | 4,772 |
| Memoranda: | ||
| Average total assets | $192,741,670 | 2,934 |
| Average earning assets | $175,668,330 | 2,965 |
| Average equity | $15,451,000 | 3,641 |
| Average total loans | $149,192,000 | 2,665 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 2,467 |
| Cost of funding earning assets | 1.0200% | 1,479 |
| Net interest margin | 3.6000% | 3,247 |
| Noninterest income to average assets | 0.1634% | 4,761 |
| Noninterest expense to average assets | 1.8532% | 4,860 |
| Loan and lease loss provision to assets | 0.0434% | 2,767 |
| Net operating income to assets | 1.5574% | 991 |
| Return on assets (ROA) | 1.5574% | 1,018 |
| Pretax return on assets | 1.5078% | 1,736 |
| Return on Equity (ROE) | 19.7748% | 278 |
| Retained earnings to average equity (ytd only) | 19.7748% | 111 |
| Net charge-offs to loans | -0.0027% | 3,904 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4350% | 4,494 |
| Assets per employee ($millions) | 7.7117% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,168 |
| Loan loss allowance to noncurrent loans | 534.7403% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 4,011 |
| Noncurrent loans to loans | 0.2046% | 3,854 |
| Net loans and leases to total assets | 77.2238% | 1,286 |
| Net loans and leases to deposits | 93.6559% | 1,208 |
| Net loans and leases to core deposits | 105.7498% | 1,190 |
| Total domestic deposits to total assets | 82.4548% | 3,601 |
| Equity capital to assets | 8.1201% | 5,146 |
| Core capital (leverage) ratio | 8.1290% | 5,173 |
| Tier 1 risk-based capital ratio | 11.3798% | 4,795 |
| Total risk-based capital ratio | 12.5727% | 4,735 |
| Memoranda: | ||
| Average total assets | $193,394,500 | 2,964 |
| Average earning assets | $174,113,000 | 3,011 |
| Average equity | $15,231,500 | 3,676 |
| Average total loans | $148,995,000 | 2,699 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,690 |
| Cost of funding earning assets | 0.6880% | 2,158 |
| Net interest margin | 3.4292% | 3,912 |
| Noninterest income to average assets | 0.1743% | 4,854 |
| Noninterest expense to average assets | 1.9558% | 4,814 |
| Loan and lease loss provision to assets | 0.0462% | 3,265 |
| Net operating income to assets | 1.2807% | 1,875 |
| Return on assets (ROA) | 1.2791% | 1,877 |
| Pretax return on assets | 1.3462% | 2,336 |
| Return on Equity (ROE) | 16.0026% | 631 |
| Retained earnings to average equity (ytd only) | 7.1314% | 1,611 |
| Net charge-offs to loans | -0.0248% | 4,755 |
| Credit loss provision to net charge-offs | -247.0588% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3853% | 4,101 |
| Assets per employee ($millions) | 7.7598% | 721 |
| Cash dividends to net income (ytd only)* | 55.4362% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,090 |
| Loan loss allowance to noncurrent loans | 1,015.0000% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,406 |
| Noncurrent loans to loans | 0.1085% | 4,244 |
| Net loans and leases to total assets | 75.1753% | 1,741 |
| Net loans and leases to deposits | 88.3705% | 2,003 |
| Net loans and leases to core deposits | 99.4639% | 1,760 |
| Total domestic deposits to total assets | 85.0682% | 2,617 |
| Equity capital to assets | 7.6331% | 5,258 |
| Core capital (leverage) ratio | 7.9845% | 5,239 |
| Tier 1 risk-based capital ratio | 10.6599% | 5,120 |
| Total risk-based capital ratio | 11.8171% | 5,050 |
| Memoranda: | ||
| Average total assets | $181,919,400 | 3,035 |
| Average earning assets | $168,465,400 | 3,042 |
| Average equity | $14,541,400 | 3,692 |
| Average total loans | $137,213,000 | 2,802 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,955 |
| Cost of funding earning assets | 0.6190% | 2,345 |
| Net interest margin | 3.3728% | 4,090 |
| Noninterest income to average assets | 0.2213% | 4,640 |
| Noninterest expense to average assets | 1.7119% | 5,123 |
| Loan and lease loss provision to assets | 0.0470% | 3,046 |
| Net operating income to assets | 1.5724% | 1,018 |
| Return on assets (ROA) | 1.5703% | 1,029 |
| Pretax return on assets | 1.6441% | 1,435 |
| Return on Equity (ROE) | 19.4080% | 306 |
| Retained earnings to average equity (ytd only) | 12.1772% | 456 |
| Net charge-offs to loans | -0.0297% | 4,748 |
| Credit loss provision to net charge-offs | -210.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2736% | 4,927 |
| Assets per employee ($millions) | 7.6316% | 732 |
| Cash dividends to net income (ytd only)* | 37.2568% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,045 |
| Loan loss allowance to noncurrent loans | 969.0909% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,518 |
| Noncurrent loans to loans | 0.1162% | 4,368 |
| Net loans and leases to total assets | 76.6476% | 1,559 |
| Net loans and leases to deposits | 90.6143% | 1,809 |
| Net loans and leases to core deposits | 99.0217% | 1,868 |
| Total domestic deposits to total assets | 84.5866% | 2,766 |
| Equity capital to assets | 8.1983% | 5,088 |
| Core capital (leverage) ratio | 8.4799% | 5,105 |
| Tier 1 risk-based capital ratio | 11.7992% | 4,604 |
| Total risk-based capital ratio | 13.0369% | 4,501 |
| Memoranda: | ||
| Average total assets | $178,900,250 | 3,088 |
| Average earning assets | $168,874,250 | 3,058 |
| Average equity | $14,474,750 | 3,724 |
| Average total loans | $134,651,000 | 2,849 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,064 |
| Cost of funding earning assets | 0.5963% | 2,252 |
| Net interest margin | 3.3099% | 4,223 |
| Noninterest income to average assets | 0.2558% | 4,479 |
| Noninterest expense to average assets | 1.6892% | 5,206 |
| Loan and lease loss provision to assets | 0.0473% | 2,957 |
| Net operating income to assets | 1.5594% | 1,012 |
| Return on assets (ROA) | 1.5562% | 1,026 |
| Pretax return on assets | 1.6498% | 1,340 |
| Return on Equity (ROE) | 19.3223% | 308 |
| Retained earnings to average equity (ytd only) | 12.0048% | 515 |
| Net charge-offs to loans | -0.0212% | 4,593 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8338% | 5,033 |
| Assets per employee ($millions) | 6.8336% | 1,004 |
| Cash dividends to net income (ytd only)* | 37.8711% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,907 |
| Loan loss allowance to noncurrent loans | 97.0186% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 1,657 |
| Noncurrent loans to loans | 1.2003% | 1,449 |
| Net loans and leases to total assets | 74.6174% | 1,847 |
| Net loans and leases to deposits | 88.3639% | 2,066 |
| Net loans and leases to core deposits | 95.7531% | 2,079 |
| Total domestic deposits to total assets | 84.4433% | 2,901 |
| Equity capital to assets | 8.2112% | 5,128 |
| Core capital (leverage) ratio | 8.2879% | 5,219 |
| Tier 1 risk-based capital ratio | 11.7101% | 4,681 |
| Total risk-based capital ratio | 12.9476% | 4,565 |
| Memoranda: | ||
| Average total assets | $177,480,670 | 3,120 |
| Average earning assets | $168,042,330 | 3,089 |
| Average equity | $14,294,330 | 3,766 |
| Average total loans | $132,206,000 | 2,886 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 4,133 |
| Cost of funding earning assets | 0.5631% | 2,294 |
| Net interest margin | 3.2669% | 4,272 |
| Noninterest income to average assets | 0.3450% | 3,841 |
| Noninterest expense to average assets | 1.6845% | 5,257 |
| Loan and lease loss provision to assets | 0.0474% | 2,816 |
| Net operating income to assets | 1.6304% | 799 |
| Return on assets (ROA) | 1.6304% | 802 |
| Pretax return on assets | 1.7138% | 1,082 |
| Return on Equity (ROE) | 20.4425% | 223 |
| Retained earnings to average equity (ytd only) | 20.4425% | 95 |
| Net charge-offs to loans | -0.0427% | 4,900 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8874% | 5,148 |
| Assets per employee ($millions) | 7.4125% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,898 |
| Loan loss allowance to noncurrent loans | 189.0798% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 3,009 |
| Noncurrent loans to loans | 0.6269% | 2,663 |
| Net loans and leases to total assets | 72.2053% | 2,137 |
| Net loans and leases to deposits | 86.1373% | 2,148 |
| Net loans and leases to core deposits | 93.4143% | 2,182 |
| Total domestic deposits to total assets | 83.8258% | 3,399 |
| Equity capital to assets | 8.1349% | 5,213 |
| Core capital (leverage) ratio | 8.3086% | 5,252 |
| Tier 1 risk-based capital ratio | 11.4813% | 4,868 |
| Total risk-based capital ratio | 12.6894% | 4,788 |
| Memoranda: | ||
| Average total assets | $177,384,500 | 3,159 |
| Average earning assets | $168,355,500 | 3,119 |
| Average equity | $14,147,000 | 3,811 |
| Average total loans | $131,240,500 | 2,917 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,286 |
| Cost of funding earning assets | 0.4730% | 2,577 |
| Net interest margin | 3.2492% | 4,309 |
| Noninterest income to average assets | 0.1896% | 5,007 |
| Noninterest expense to average assets | 1.8809% | 5,142 |
| Loan and lease loss provision to assets | 0.0496% | 3,228 |
| Net operating income to assets | 1.2966% | 1,229 |
| Return on assets (ROA) | 1.2949% | 1,251 |
| Pretax return on assets | 1.3617% | 2,119 |
| Return on Equity (ROE) | 16.1523% | 463 |
| Retained earnings to average equity (ytd only) | 6.6466% | 1,209 |
| Net charge-offs to loans | 0.0040% | 3,957 |
| Credit loss provision to net charge-offs | 1,680.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 478.4000% | 181 |
| Efficiency ratio | 57.1019% | 4,639 |
| Assets per employee ($millions) | 6.8026% | 1,054 |
| Cash dividends to net income (ytd only)* | 58.8504% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,135 |
| Loan loss allowance to noncurrent loans | 588.2813% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,420 |
| Noncurrent loans to loans | 0.1932% | 4,143 |
| Net loans and leases to total assets | 74.0552% | 1,912 |
| Net loans and leases to deposits | 88.1563% | 2,003 |
| Net loans and leases to core deposits | 95.7778% | 2,042 |
| Total domestic deposits to total assets | 84.0045% | 3,206 |
| Equity capital to assets | 7.8149% | 5,456 |
| Core capital (leverage) ratio | 8.0381% | 5,426 |
| Tier 1 risk-based capital ratio | 10.9961% | 5,154 |
| Total risk-based capital ratio | 12.1855% | 5,068 |
| Memoranda: | ||
| Average total assets | $169,276,200 | 3,253 |
| Average earning assets | $161,734,600 | 3,178 |
| Average equity | $13,570,800 | 3,907 |
| Average total loans | $125,138,600 | 2,987 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,362 |
| Cost of funding earning assets | 0.4562% | 2,650 |
| Net interest margin | 3.2303% | 4,384 |
| Noninterest income to average assets | 0.1968% | 5,023 |
| Noninterest expense to average assets | 1.7971% | 5,278 |
| Loan and lease loss provision to assets | 0.0502% | 3,090 |
| Net operating income to assets | 1.3668% | 1,165 |
| Return on assets (ROA) | 1.3645% | 1,185 |
| Pretax return on assets | 1.4378% | 1,981 |
| Return on Equity (ROE) | 16.9081% | 438 |
| Retained earnings to average equity (ytd only) | 9.1598% | 799 |
| Net charge-offs to loans | 0.0249% | 2,948 |
| Credit loss provision to net charge-offs | 273.9130% | 1,058 |
| Earnings coverage of net charge-offs (x) | 81.3368% | 800 |
| Efficiency ratio | 54.6644% | 4,885 |
| Assets per employee ($millions) | 6.3944% | 1,252 |
| Cash dividends to net income (ytd only)* | 45.8261% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 3,233 |
| Loan loss allowance to noncurrent loans | 715.6098% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,628 |
| Noncurrent loans to loans | 0.1597% | 4,422 |
| Net loans and leases to total assets | 76.3320% | 1,531 |
| Net loans and leases to deposits | 91.7169% | 1,603 |
| Net loans and leases to core deposits | 99.1352% | 1,784 |
| Total domestic deposits to total assets | 83.2257% | 3,384 |
| Equity capital to assets | 8.3950% | 5,344 |
| Core capital (leverage) ratio | 8.4621% | 5,268 |
| Tier 1 risk-based capital ratio | 12.0168% | 4,601 |
| Total risk-based capital ratio | 13.2669% | 4,496 |
| Memoranda: | ||
| Average total assets | $167,378,250 | 3,302 |
| Average earning assets | $160,146,250 | 3,225 |
| Average equity | $13,508,000 | 3,951 |
| Average total loans | $123,301,750 | 3,040 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,493 |
| Cost of funding earning assets | 0.4328% | 2,774 |
| Net interest margin | 3.1740% | 4,486 |
| Noninterest income to average assets | 0.2134% | 4,976 |
| Noninterest expense to average assets | 1.8193% | 5,287 |
| Loan and lease loss provision to assets | 0.0501% | 2,986 |
| Net operating income to assets | 1.3184% | 1,258 |
| Return on assets (ROA) | 1.3150% | 1,291 |
| Pretax return on assets | 1.3830% | 2,086 |
| Return on Equity (ROE) | 16.5140% | 460 |
| Retained earnings to average equity (ytd only) | 8.6837% | 945 |
| Net charge-offs to loans | 0.0378% | 2,444 |
| Credit loss provision to net charge-offs | 182.6087% | 1,349 |
| Earnings coverage of net charge-offs (x) | 52.3913% | 1,042 |
| Efficiency ratio | 55.8770% | 4,843 |
| Assets per employee ($millions) | 6.2221% | 1,305 |
| Cash dividends to net income (ytd only)* | 47.4161% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,197 |
| Loan loss allowance to noncurrent loans | 590.2041% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 4,570 |
| Noncurrent loans to loans | 0.1981% | 4,327 |
| Net loans and leases to total assets | 75.5407% | 1,605 |
| Net loans and leases to deposits | 90.8615% | 1,625 |
| Net loans and leases to core deposits | 97.7781% | 1,829 |
| Total domestic deposits to total assets | 83.1383% | 3,524 |
| Equity capital to assets | 8.4135% | 5,349 |
| Core capital (leverage) ratio | 8.2158% | 5,420 |
| Tier 1 risk-based capital ratio | 12.0740% | 4,587 |
| Total risk-based capital ratio | 13.3248% | 4,458 |
| Memoranda: | ||
| Average total assets | $167,753,000 | 3,309 |
| Average earning assets | $160,805,000 | 3,232 |
| Average equity | $13,358,330 | 3,986 |
| Average total loans | $121,611,670 | 3,067 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 4,717 |
| Cost of funding earning assets | 0.3980% | 3,009 |
| Net interest margin | 3.0933% | 4,667 |
| Noninterest income to average assets | 0.2132% | 4,990 |
| Noninterest expense to average assets | 1.8039% | 5,372 |
| Loan and lease loss provision to assets | 0.0492% | 2,825 |
| Net operating income to assets | 1.2553% | 1,361 |
| Return on assets (ROA) | 1.2487% | 1,412 |
| Pretax return on assets | 1.3213% | 2,163 |
| Return on Equity (ROE) | 16.1125% | 516 |
| Retained earnings to average equity (ytd only) | 16.1125% | 196 |
| Net charge-offs to loans | 0.0995% | 1,377 |
| Credit loss provision to net charge-offs | 70.0000% | 1,834 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,521 |
| Efficiency ratio | 56.7010% | 4,866 |
| Assets per employee ($millions) | 6.0856% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,219 |
| Loan loss allowance to noncurrent loans | 734.7150% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 4,817 |
| Noncurrent loans to loans | 0.1615% | 4,540 |
| Net loans and leases to total assets | 69.3009% | 2,491 |
| Net loans and leases to deposits | 81.9217% | 2,522 |
| Net loans and leases to core deposits | 89.3914% | 2,410 |
| Total domestic deposits to total assets | 84.5941% | 3,267 |
| Equity capital to assets | 7.9368% | 5,550 |
| Core capital (leverage) ratio | 8.0456% | 5,543 |
| Tier 1 risk-based capital ratio | 11.2622% | 5,160 |
| Total risk-based capital ratio | 12.4431% | 5,104 |
| Memoranda: | ||
| Average total assets | $170,742,000 | 3,303 |
| Average earning assets | $163,835,500 | 3,217 |
| Average equity | $13,232,000 | 4,026 |
| Average total loans | $120,591,500 | 3,097 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,514 |
| Cost of funding earning assets | 0.3654% | 3,366 |
| Net interest margin | 3.2303% | 4,354 |
| Noninterest income to average assets | 0.2410% | 4,982 |
| Noninterest expense to average assets | 1.9472% | 5,290 |
| Loan and lease loss provision to assets | 0.0524% | 3,341 |
| Net operating income to assets | 1.2830% | 1,258 |
| Return on assets (ROA) | 1.2842% | 1,323 |
| Pretax return on assets | 1.3497% | 2,107 |
| Return on Equity (ROE) | 16.1897% | 491 |
| Retained earnings to average equity (ytd only) | 6.3043% | 1,565 |
| Net charge-offs to loans | -0.0182% | 5,098 |
| Credit loss provision to net charge-offs | -400.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1577% | 4,828 |
| Assets per employee ($millions) | 7.1287% | 866 |
| Cash dividends to net income (ytd only)* | 61.0598% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,290 |
| Loan loss allowance to noncurrent loans | 696.0976% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,832 |
| Noncurrent loans to loans | 0.1685% | 4,559 |
| Net loans and leases to total assets | 70.2866% | 2,421 |
| Net loans and leases to deposits | 82.9044% | 2,557 |
| Net loans and leases to core deposits | 82.9044% | 3,134 |
| Total domestic deposits to total assets | 84.7803% | 3,139 |
| Equity capital to assets | 7.5634% | 5,700 |
| Core capital (leverage) ratio | 7.8169% | 5,680 |
| Tier 1 risk-based capital ratio | 10.8331% | 5,414 |
| Total risk-based capital ratio | 12.0205% | 5,351 |
| Memoranda: | ||
| Average total assets | $160,181,600 | 3,392 |
| Average earning assets | $154,070,000 | 3,320 |
| Average equity | $12,705,600 | 4,134 |
| Average total loans | $115,656,000 | 3,133 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 4,537 |
| Cost of funding earning assets | 0.3591% | 3,443 |
| Net interest margin | 3.2467% | 4,353 |
| Noninterest income to average assets | 0.2515% | 4,961 |
| Noninterest expense to average assets | 1.8621% | 5,443 |
| Loan and lease loss provision to assets | 0.0533% | 3,188 |
| Net operating income to assets | 1.3964% | 1,075 |
| Return on assets (ROA) | 1.3980% | 1,127 |
| Pretax return on assets | 1.4615% | 1,846 |
| Return on Equity (ROE) | 17.4056% | 402 |
| Retained earnings to average equity (ytd only) | 9.4354% | 706 |
| Net charge-offs to loans | -0.0374% | 5,255 |
| Credit loss provision to net charge-offs | -196.8750% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1681% | 5,137 |
| Assets per employee ($millions) | 6.3966% | 1,178 |
| Cash dividends to net income (ytd only)* | 45.7902% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 3,311 |
| Loan loss allowance to noncurrent loans | 515.2727% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,751 |
| Noncurrent loans to loans | 0.2307% | 4,443 |
| Net loans and leases to total assets | 73.6685% | 1,925 |
| Net loans and leases to deposits | 91.8280% | 1,520 |
| Net loans and leases to core deposits | 91.8280% | 2,400 |
| Total domestic deposits to total assets | 80.2245% | 4,463 |
| Equity capital to assets | 8.2675% | 5,636 |
| Core capital (leverage) ratio | 8.2846% | 5,509 |
| Tier 1 risk-based capital ratio | 17.2760% | 2,137 |
| Total risk-based capital ratio | 18.5342% | 2,094 |
| Memoranda: | ||
| Average total assets | $157,455,000 | 3,435 |
| Average earning assets | $151,495,750 | 3,370 |
| Average equity | $12,647,000 | 4,186 |
| Average total loans | $114,150,250 | 3,165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,702 |
| Cost of funding earning assets | 0.3764% | 3,287 |
| Net interest margin | 3.1858% | 4,588 |
| Noninterest income to average assets | 0.2490% | 4,990 |
| Noninterest expense to average assets | 1.8961% | 5,456 |
| Loan and lease loss provision to assets | 0.0536% | 3,075 |
| Net operating income to assets | 1.3011% | 1,274 |
| Return on assets (ROA) | 1.3011% | 1,378 |
| Pretax return on assets | 1.3688% | 2,135 |
| Return on Equity (ROE) | 16.3620% | 493 |
| Retained earnings to average equity (ytd only) | 8.3014% | 1,071 |
| Net charge-offs to loans | -0.0427% | 5,303 |
| Credit loss provision to net charge-offs | -175.0000% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1374% | 5,011 |
| Assets per employee ($millions) | 6.2434% | 1,238 |
| Cash dividends to net income (ytd only)* | 49.2640% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,278 |
| Loan loss allowance to noncurrent loans | 490.4594% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,769 |
| Noncurrent loans to loans | 0.2475% | 4,467 |
| Net loans and leases to total assets | 72.3674% | 2,111 |
| Net loans and leases to deposits | 86.4514% | 2,195 |
| Net loans and leases to core deposits | 86.4514% | 2,858 |
| Total domestic deposits to total assets | 83.7088% | 3,382 |
| Equity capital to assets | 8.1559% | 5,753 |
| Core capital (leverage) ratio | 8.0256% | 5,716 |
| Tier 1 risk-based capital ratio | 11.1203% | 5,350 |
| Total risk-based capital ratio | 12.3502% | 5,281 |
| Memoranda: | ||
| Average total assets | $156,635,000 | 3,468 |
| Average earning assets | $150,918,000 | 3,394 |
| Average equity | $12,455,670 | 4,242 |
| Average total loans | $112,459,000 | 3,198 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,794 |
| Cost of funding earning assets | 0.3948% | 3,140 |
| Net interest margin | 3.1426% | 4,744 |
| Noninterest income to average assets | 0.2294% | 5,098 |
| Noninterest expense to average assets | 1.9731% | 5,395 |
| Loan and lease loss provision to assets | 0.0535% | 2,869 |
| Net operating income to assets | 1.1624% | 1,665 |
| Return on assets (ROA) | 1.1624% | 1,777 |
| Pretax return on assets | 1.2262% | 2,597 |
| Return on Equity (ROE) | 14.8070% | 700 |
| Retained earnings to average equity (ytd only) | 14.8070% | 262 |
| Net charge-offs to loans | -0.0251% | 4,983 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6583% | 4,656 |
| Assets per employee ($millions) | 6.3032% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 3,442 |
| Loan loss allowance to noncurrent loans | 429.9363% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,761 |
| Noncurrent loans to loans | 0.2804% | 4,426 |
| Net loans and leases to total assets | 70.1950% | 2,311 |
| Net loans and leases to deposits | 81.8653% | 2,563 |
| Net loans and leases to core deposits | 81.8653% | 3,138 |
| Total domestic deposits to total assets | 85.7445% | 2,789 |
| Equity capital to assets | 7.9857% | 5,831 |
| Core capital (leverage) ratio | 8.1183% | 5,708 |
| Tier 1 risk-based capital ratio | 10.7722% | 5,623 |
| Total risk-based capital ratio | 11.9367% | 5,580 |
| Memoranda: | ||
| Average total assets | $156,910,500 | 3,483 |
| Average earning assets | $150,957,500 | 3,414 |
| Average equity | $12,318,500 | 4,282 |
| Average total loans | $111,517,500 | 3,220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5209% | 4,860 |
| Cost of funding earning assets | 0.3656% | 3,526 |
| Net interest margin | 3.1553% | 4,763 |
| Noninterest income to average assets | 0.2507% | 5,095 |
| Noninterest expense to average assets | 1.9819% | 5,495 |
| Loan and lease loss provision to assets | 0.0544% | 3,228 |
| Net operating income to assets | 1.2387% | 1,426 |
| Return on assets (ROA) | 1.2336% | 1,495 |
| Pretax return on assets | 1.2511% | 2,464 |
| Return on Equity (ROE) | 15.9764% | 555 |
| Retained earnings to average equity (ytd only) | 5.7310% | 1,941 |
| Net charge-offs to loans | -0.0129% | 5,164 |
| Credit loss provision to net charge-offs | -600.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1928% | 4,883 |
| Assets per employee ($millions) | 6.2496% | 1,229 |
| Cash dividends to net income (ytd only)* | 64.1282% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,541 |
| Loan loss allowance to noncurrent loans | 415.7233% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 4,776 |
| Noncurrent loans to loans | 0.2863% | 4,441 |
| Net loans and leases to total assets | 70.2439% | 2,328 |
| Net loans and leases to deposits | 82.1850% | 2,568 |
| Net loans and leases to core deposits | 82.1850% | 3,127 |
| Total domestic deposits to total assets | 85.4704% | 2,878 |
| Equity capital to assets | 7.7144% | 5,940 |
| Core capital (leverage) ratio | 7.7441% | 5,927 |
| Tier 1 risk-based capital ratio | 10.3514% | 5,840 |
| Total risk-based capital ratio | 11.4888% | 5,808 |
| Memoranda: | ||
| Average total assets | $154,347,800 | 3,504 |
| Average earning assets | $148,797,600 | 3,424 |
| Average equity | $11,917,600 | 4,323 |
| Average total loans | $108,113,800 | 3,236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 5,033 |
| Cost of funding earning assets | 0.3812% | 3,419 |
| Net interest margin | 3.0961% | 4,974 |
| Noninterest income to average assets | 0.2530% | 5,129 |
| Noninterest expense to average assets | 1.8075% | 5,766 |
| Loan and lease loss provision to assets | 0.0546% | 3,103 |
| Net operating income to assets | 1.3724% | 1,173 |
| Return on assets (ROA) | 1.3656% | 1,244 |
| Pretax return on assets | 1.3751% | 2,121 |
| Return on Equity (ROE) | 17.6820% | 425 |
| Retained earnings to average equity (ytd only) | 9.5927% | 714 |
| Net charge-offs to loans | -0.0087% | 4,945 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7158% | 5,387 |
| Assets per employee ($millions) | 6.0833% | 1,309 |
| Cash dividends to net income (ytd only)* | 45.7488% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,940 |
| Loan loss allowance to noncurrent loans | 1,155.3571% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 5,463 |
| Noncurrent loans to loans | 0.0994% | 5,238 |
| Net loans and leases to total assets | 73.2672% | 1,860 |
| Net loans and leases to deposits | 86.9572% | 2,033 |
| Net loans and leases to core deposits | 86.9572% | 2,754 |
| Total domestic deposits to total assets | 84.2566% | 3,319 |
| Equity capital to assets | 8.0897% | 5,926 |
| Core capital (leverage) ratio | 7.9484% | 5,931 |
| Tier 1 risk-based capital ratio | 11.1241% | 5,594 |
| Total risk-based capital ratio | 12.3036% | 5,526 |
| Memoranda: | ||
| Average total assets | $153,874,750 | 3,542 |
| Average earning assets | $148,654,750 | 3,454 |
| Average equity | $11,883,750 | 4,377 |
| Average total loans | $107,374,500 | 3,276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,227 |
| Cost of funding earning assets | 0.3612% | 3,684 |
| Net interest margin | 3.0401% | 5,116 |
| Noninterest income to average assets | 0.2447% | 5,209 |
| Noninterest expense to average assets | 1.8165% | 5,828 |
| Loan and lease loss provision to assets | 0.0544% | 3,027 |
| Net operating income to assets | 1.3193% | 1,262 |
| Return on assets (ROA) | 1.2999% | 1,380 |
| Pretax return on assets | 1.2857% | 2,416 |
| Return on Equity (ROE) | 17.0981% | 473 |
| Retained earnings to average equity (ytd only) | 9.0940% | 892 |
| Net charge-offs to loans | -0.0057% | 4,772 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1953% | 5,313 |
| Assets per employee ($millions) | 6.2094% | 1,211 |
| Cash dividends to net income (ytd only)* | 46.8127% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,063 |
| Loan loss allowance to noncurrent loans | 1,103.4783% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,569 |
| Noncurrent loans to loans | 0.1045% | 5,327 |
| Net loans and leases to total assets | 70.0403% | 2,309 |
| Net loans and leases to deposits | 83.6780% | 2,349 |
| Net loans and leases to core deposits | 83.6780% | 3,014 |
| Total domestic deposits to total assets | 83.7021% | 3,691 |
| Equity capital to assets | 7.6980% | 6,080 |
| Core capital (leverage) ratio | 7.6085% | 6,067 |
| Tier 1 risk-based capital ratio | 10.6730% | 5,850 |
| Total risk-based capital ratio | 11.8155% | 5,841 |
| Memoranda: | ||
| Average total assets | $154,472,000 | 3,558 |
| Average earning assets | $148,940,670 | 3,472 |
| Average equity | $11,744,000 | 4,425 |
| Average total loans | $105,592,330 | 3,335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3340% | 5,362 |
| Cost of funding earning assets | 0.3504% | 3,857 |
| Net interest margin | 2.9836% | 5,262 |
| Noninterest income to average assets | 0.2674% | 5,040 |
| Noninterest expense to average assets | 1.8405% | 5,837 |
| Loan and lease loss provision to assets | 0.0545% | 2,844 |
| Net operating income to assets | 1.3395% | 1,163 |
| Return on assets (ROA) | 1.3395% | 1,228 |
| Pretax return on assets | 1.2460% | 2,487 |
| Return on Equity (ROE) | 17.7304% | 411 |
| Retained earnings to average equity (ytd only) | 17.7304% | 154 |
| Net charge-offs to loans | -0.0116% | 4,781 |
| Credit loss provision to net charge-offs | -700.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5950% | 5,264 |
| Assets per employee ($millions) | 6.1655% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,002 |
| Loan loss allowance to noncurrent loans | 562.1622% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 5,380 |
| Noncurrent loans to loans | 0.2128% | 5,019 |
| Net loans and leases to total assets | 66.8587% | 2,625 |
| Net loans and leases to deposits | 79.4698% | 2,621 |
| Net loans and leases to core deposits | 79.4698% | 3,227 |
| Total domestic deposits to total assets | 84.1310% | 3,769 |
| Equity capital to assets | 7.7671% | 6,111 |
| Core capital (leverage) ratio | 7.6888% | 6,073 |
| Tier 1 risk-based capital ratio | 11.0405% | 5,786 |
| Total risk-based capital ratio | 12.2018% | 5,760 |
| Memoranda: | ||
| Average total assets | $154,090,500 | 3,588 |
| Average earning assets | $148,411,500 | 3,491 |
| Average equity | $11,641,000 | 4,480 |
| Average total loans | $103,390,500 | 3,391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 5,684 |
| Cost of funding earning assets | 0.3457% | 4,296 |
| Net interest margin | 2.9695% | 5,507 |
| Noninterest income to average assets | 0.2456% | 5,370 |
| Noninterest expense to average assets | 1.9956% | 5,769 |
| Loan and lease loss provision to assets | 0.0573% | 3,394 |
| Net operating income to assets | 0.9893% | 2,435 |
| Return on assets (ROA) | 0.9893% | 2,517 |
| Pretax return on assets | 1.0411% | 3,343 |
| Return on Equity (ROE) | 13.0645% | 1,121 |
| Retained earnings to average equity (ytd only) | 5.4330% | 2,307 |
| Net charge-offs to loans | 0.0148% | 4,584 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 461 |
| Efficiency ratio | 64.4983% | 4,505 |
| Assets per employee ($millions) | 6.1618% | 1,271 |
| Cash dividends to net income (ytd only)* | 58.4138% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,032 |
| Loan loss allowance to noncurrent loans | 458.4270% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 5,331 |
| Noncurrent loans to loans | 0.2605% | 4,907 |
| Net loans and leases to total assets | 65.7312% | 2,938 |
| Net loans and leases to deposits | 78.9285% | 2,847 |
| Net loans and leases to core deposits | 78.9285% | 3,419 |
| Total domestic deposits to total assets | 83.2795% | 3,984 |
| Equity capital to assets | 7.3421% | 6,275 |
| Core capital (leverage) ratio | 7.5430% | 6,190 |
| Tier 1 risk-based capital ratio | 10.6252% | 6,050 |
| Total risk-based capital ratio | 11.7711% | 6,035 |
| Memoranda: | ||
| Average total assets | $146,572,600 | 3,685 |
| Average earning assets | $140,594,400 | 3,596 |
| Average equity | $11,098,800 | 4,546 |
| Average total loans | $94,783,400 | 3,532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3032% | 5,765 |
| Cost of funding earning assets | 0.3489% | 4,353 |
| Net interest margin | 2.9544% | 5,595 |
| Noninterest income to average assets | 0.2580% | 5,375 |
| Noninterest expense to average assets | 1.8907% | 5,965 |
| Loan and lease loss provision to assets | 0.0580% | 3,208 |
| Net operating income to assets | 1.0845% | 2,092 |
| Return on assets (ROA) | 1.0845% | 2,162 |
| Pretax return on assets | 1.1416% | 3,027 |
| Return on Equity (ROE) | 14.2069% | 948 |
| Retained earnings to average equity (ytd only) | 7.6044% | 1,531 |
| Net charge-offs to loans | -0.0330% | 5,773 |
| Credit loss provision to net charge-offs | -273.9130% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1807% | 5,010 |
| Assets per employee ($millions) | 5.6643% | 1,585 |
| Cash dividends to net income (ytd only)* | 46.4745% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 3,636 |
| Loan loss allowance to noncurrent loans | 475.0958% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 5,494 |
| Noncurrent loans to loans | 0.2740% | 5,089 |
| Net loans and leases to total assets | 63.8367% | 3,200 |
| Net loans and leases to deposits | 74.4905% | 3,375 |
| Net loans and leases to core deposits | 74.4905% | 3,895 |
| Total domestic deposits to total assets | 85.6978% | 3,015 |
| Equity capital to assets | 7.7103% | 6,242 |
| Core capital (leverage) ratio | 7.7404% | 6,200 |
| Tier 1 risk-based capital ratio | 9.7310% | 6,402 |
| Total risk-based capital ratio | 10.7917% | 6,402 |
| Memoranda: | ||
| Average total assets | $144,704,750 | 3,749 |
| Average earning assets | $138,729,500 | 3,651 |
| Average equity | $11,046,000 | 4,588 |
| Average total loans | $92,859,500 | 3,604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,823 |
| Cost of funding earning assets | 0.3506% | 4,433 |
| Net interest margin | 2.9340% | 5,670 |
| Noninterest income to average assets | 0.2697% | 5,277 |
| Noninterest expense to average assets | 1.9076% | 5,989 |
| Loan and lease loss provision to assets | 0.0584% | 3,120 |
| Net operating income to assets | 1.0525% | 2,113 |
| Return on assets (ROA) | 1.0525% | 2,185 |
| Pretax return on assets | 1.1081% | 3,074 |
| Return on Equity (ROE) | 13.8353% | 989 |
| Retained earnings to average equity (ytd only) | 7.2558% | 1,639 |
| Net charge-offs to loans | -0.0217% | 5,577 |
| Credit loss provision to net charge-offs | -420.0000% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0534% | 4,996 |
| Assets per employee ($millions) | 5.4347% | 1,758 |
| Cash dividends to net income (ytd only)* | 47.5561% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,970 |
| Loan loss allowance to noncurrent loans | 880.2920% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 5,872 |
| Noncurrent loans to loans | 0.1453% | 5,569 |
| Net loans and leases to total assets | 63.4262% | 3,175 |
| Net loans and leases to deposits | 73.5956% | 3,375 |
| Net loans and leases to core deposits | 73.5956% | 3,881 |
| Total domestic deposits to total assets | 86.1820% | 2,946 |
| Equity capital to assets | 7.5946% | 6,328 |
| Core capital (leverage) ratio | 7.6631% | 6,258 |
| Tier 1 risk-based capital ratio | 11.1916% | 5,964 |
| Total risk-based capital ratio | 12.4027% | 5,921 |
| Memoranda: | ||
| Average total assets | $143,849,330 | 3,783 |
| Average earning assets | $137,490,330 | 3,684 |
| Average equity | $10,943,000 | 4,619 |
| Average total loans | $92,061,670 | 3,636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 5,878 |
| Cost of funding earning assets | 0.3577% | 4,463 |
| Net interest margin | 2.9236% | 5,699 |
| Noninterest income to average assets | 0.2612% | 5,271 |
| Noninterest expense to average assets | 1.9578% | 5,966 |
| Loan and lease loss provision to assets | 0.0590% | 2,929 |
| Net operating income to assets | 0.9719% | 2,316 |
| Return on assets (ROA) | 0.9719% | 2,381 |
| Pretax return on assets | 1.0224% | 3,241 |
| Return on Equity (ROE) | 12.7646% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.7646% | 518 |
| Net charge-offs to loans | -0.0308% | 5,575 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4177% | 4,796 |
| Assets per employee ($millions) | 5.3360% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,136 |
| Loan loss allowance to noncurrent loans | 600.0000% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 5,844 |
| Noncurrent loans to loans | 0.2162% | 5,447 |
| Net loans and leases to total assets | 62.4204% | 3,168 |
| Net loans and leases to deposits | 71.3630% | 3,422 |
| Net loans and leases to core deposits | 71.3630% | 3,939 |
| Total domestic deposits to total assets | 87.4689% | 2,528 |
| Equity capital to assets | 7.6593% | 6,248 |
| Core capital (leverage) ratio | 7.7558% | 6,240 |
| Tier 1 risk-based capital ratio | 11.2185% | 6,063 |
| Total risk-based capital ratio | 12.4140% | 6,042 |
| Memoranda: | ||
| Average total assets | $142,406,000 | 3,841 |
| Average earning assets | $135,313,000 | 3,740 |
| Average equity | $10,842,500 | 4,656 |
| Average total loans | $90,955,000 | 3,683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3262% | 5,962 |
| Cost of funding earning assets | 0.3971% | 4,685 |
| Net interest margin | 2.9290% | 5,732 |
| Noninterest income to average assets | 0.4783% | 3,903 |
| Noninterest expense to average assets | 2.0972% | 5,837 |
| Loan and lease loss provision to assets | 0.0597% | 3,944 |
| Net operating income to assets | 0.9388% | 2,608 |
| Return on assets (ROA) | 0.9388% | 2,688 |
| Pretax return on assets | 0.9893% | 3,392 |
| Return on Equity (ROE) | 12.4486% | 1,296 |
| Retained earnings to average equity (ytd only) | 4.7495% | 2,772 |
| Net charge-offs to loans | -0.0222% | 6,160 |
| Credit loss provision to net charge-offs | -442.1053% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6591% | 4,440 |
| Assets per employee ($millions) | 5.2126% | 1,947 |
| Cash dividends to net income (ytd only)* | 61.8471% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,288 |
| Loan loss allowance to noncurrent loans | 201.0453% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 5,033 |
| Noncurrent loans to loans | 0.6322% | 4,397 |
| Net loans and leases to total assets | 63.6945% | 3,097 |
| Net loans and leases to deposits | 73.0045% | 3,399 |
| Net loans and leases to core deposits | 73.0045% | 3,945 |
| Total domestic deposits to total assets | 87.2473% | 2,605 |
| Equity capital to assets | 7.5672% | 6,251 |
| Core capital (leverage) ratio | 7.6313% | 6,328 |
| Tier 1 risk-based capital ratio | 11.1277% | 6,108 |
| Total risk-based capital ratio | 12.3227% | 6,079 |
| Memoranda: | ||
| Average total assets | $140,712,400 | 3,863 |
| Average earning assets | $128,165,200 | 3,885 |
| Average equity | $10,611,600 | 4,717 |
| Average total loans | $85,504,800 | 3,787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3138% | 6,042 |
| Cost of funding earning assets | 0.4049% | 4,782 |
| Net interest margin | 2.9089% | 5,794 |
| Noninterest income to average assets | 0.4956% | 3,840 |
| Noninterest expense to average assets | 1.9084% | 6,172 |
| Loan and lease loss provision to assets | 0.0597% | 3,855 |
| Net operating income to assets | 1.0992% | 2,009 |
| Return on assets (ROA) | 1.0992% | 2,082 |
| Pretax return on assets | 1.1485% | 2,902 |
| Return on Equity (ROE) | 14.5881% | 872 |
| Retained earnings to average equity (ytd only) | 8.0989% | 1,369 |
| Net charge-offs to loans | -0.0238% | 6,103 |
| Credit loss provision to net charge-offs | -420.0000% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2344% | 5,237 |
| Assets per employee ($millions) | 5.1295% | 2,022 |
| Cash dividends to net income (ytd only)* | 44.4825% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,504 |
| Loan loss allowance to noncurrent loans | 733.1169% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,103 |
| Noncurrent loans to loans | 0.1745% | 5,805 |
| Net loans and leases to total assets | 62.9210% | 3,178 |
| Net loans and leases to deposits | 73.7619% | 3,272 |
| Net loans and leases to core deposits | 73.7619% | 3,879 |
| Total domestic deposits to total assets | 85.3028% | 3,583 |
| Equity capital to assets | 7.7959% | 6,261 |
| Core capital (leverage) ratio | 7.8506% | 6,301 |
| Tier 1 risk-based capital ratio | 11.5372% | 6,041 |
| Total risk-based capital ratio | 12.7338% | 6,030 |
| Memoranda: | ||
| Average total assets | $140,705,750 | 3,901 |
| Average earning assets | $126,779,500 | 3,943 |
| Average equity | $10,602,000 | 4,773 |
| Average total loans | $84,181,750 | 3,856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 6,109 |
| Cost of funding earning assets | 0.4063% | 4,880 |
| Net interest margin | 2.8796% | 5,829 |
| Noninterest income to average assets | 0.5218% | 3,689 |
| Noninterest expense to average assets | 1.9160% | 6,192 |
| Loan and lease loss provision to assets | 0.0594% | 3,817 |
| Net operating income to assets | 1.0365% | 2,173 |
| Return on assets (ROA) | 1.0365% | 2,290 |
| Pretax return on assets | 1.0916% | 3,124 |
| Return on Equity (ROE) | 13.9129% | 1,028 |
| Retained earnings to average equity (ytd only) | 7.3835% | 1,721 |
| Net charge-offs to loans | -0.0290% | 6,090 |
| Credit loss provision to net charge-offs | -350.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4712% | 5,101 |
| Assets per employee ($millions) | 4.9254% | 2,194 |
| Cash dividends to net income (ytd only)* | 46.9304% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,678 |
| Loan loss allowance to noncurrent loans | 365.8940% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 5,840 |
| Noncurrent loans to loans | 0.3453% | 5,432 |
| Net loans and leases to total assets | 62.6162% | 3,177 |
| Net loans and leases to deposits | 72.9224% | 3,314 |
| Net loans and leases to core deposits | 72.9224% | 3,941 |
| Total domestic deposits to total assets | 85.8669% | 3,441 |
| Equity capital to assets | 7.5324% | 6,429 |
| Core capital (leverage) ratio | 7.6300% | 6,400 |
| Tier 1 risk-based capital ratio | 11.1579% | 6,264 |
| Total risk-based capital ratio | 12.3176% | 6,281 |
| Memoranda: | ||
| Average total assets | $141,442,330 | 3,922 |
| Average earning assets | $125,018,000 | 4,014 |
| Average equity | $10,537,000 | 4,823 |
| Average total loans | $82,818,330 | 3,905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 6,093 |
| Cost of funding earning assets | 0.4262% | 4,849 |
| Net interest margin | 2.9039% | 5,803 |
| Noninterest income to average assets | 0.5726% | 3,287 |
| Noninterest expense to average assets | 1.8965% | 6,280 |
| Loan and lease loss provision to assets | 0.0587% | 3,655 |
| Net operating income to assets | 1.0195% | 2,145 |
| Return on assets (ROA) | 1.0195% | 2,264 |
| Pretax return on assets | 1.0726% | 3,062 |
| Return on Equity (ROE) | 13.7587% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.7587% | 474 |
| Net charge-offs to loans | -0.0298% | 5,894 |
| Credit loss provision to net charge-offs | -350.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6384% | 5,212 |
| Assets per employee ($millions) | 5.0285% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,291 |
| Loan loss allowance to noncurrent loans | 326.6667% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,867 |
| Noncurrent loans to loans | 0.4256% | 5,355 |
| Net loans and leases to total assets | 54.3005% | 4,358 |
| Net loans and leases to deposits | 63.0757% | 4,409 |
| Net loans and leases to core deposits | 63.0757% | 4,840 |
| Total domestic deposits to total assets | 86.0879% | 3,483 |
| Equity capital to assets | 7.6585% | 6,538 |
| Core capital (leverage) ratio | 7.6803% | 6,366 |
| Tier 1 risk-based capital ratio | 12.3992% | 5,645 |
| Total risk-based capital ratio | 13.6488% | 5,589 |
| Memoranda: | ||
| Average total assets | $143,208,500 | 3,928 |
| Average earning assets | $121,079,000 | 4,132 |
| Average equity | $10,611,500 | 4,858 |
| Average total loans | $80,498,000 | 4,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 5,819 |
| Cost of funding earning assets | 0.4648% | 5,458 |
| Net interest margin | 3.3349% | 5,123 |
| Noninterest income to average assets | 0.4303% | 4,379 |
| Noninterest expense to average assets | 2.2575% | 5,795 |
| Loan and lease loss provision to assets | 0.0962% | 4,450 |
| Net operating income to assets | 1.0218% | 2,245 |
| Return on assets (ROA) | 1.0218% | 2,461 |
| Pretax return on assets | 1.0778% | 3,240 |
| Return on Equity (ROE) | 12.1863% | 1,455 |
| Retained earnings to average equity (ytd only) | 3.4026% | 3,833 |
| Net charge-offs to loans | -0.0375% | 6,653 |
| Credit loss provision to net charge-offs | -400.0000% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7870% | 4,546 |
| Assets per employee ($millions) | 5.2007% | 1,983 |
| Cash dividends to net income (ytd only)* | 72.0784% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,824 |
| Loan loss allowance to noncurrent loans | 307.3099% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 5,964 |
| Noncurrent loans to loans | 0.4098% | 5,461 |
| Net loans and leases to total assets | 56.5949% | 4,185 |
| Net loans and leases to deposits | 65.0155% | 4,423 |
| Net loans and leases to core deposits | 65.0155% | 4,833 |
| Total domestic deposits to total assets | 87.0484% | 2,821 |
| Equity capital to assets | 7.1694% | 6,733 |
| Core capital (leverage) ratio | 7.8667% | 6,303 |
| Tier 1 risk-based capital ratio | 11.2573% | 6,240 |
| Total risk-based capital ratio | 12.4125% | 6,254 |
| Memoranda: | ||
| Average total assets | $124,785,800 | 4,255 |
| Average earning assets | $112,298,800 | 4,284 |
| Average equity | $10,462,600 | 4,873 |
| Average total loans | $79,935,600 | 4,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 5,767 |
| Cost of funding earning assets | 0.4774% | 5,584 |
| Net interest margin | 3.4318% | 4,917 |
| Noninterest income to average assets | 0.4482% | 4,308 |
| Noninterest expense to average assets | 2.1787% | 5,995 |
| Loan and lease loss provision to assets | 0.1004% | 4,317 |
| Net operating income to assets | 1.2455% | 1,587 |
| Return on assets (ROA) | 1.2455% | 1,756 |
| Pretax return on assets | 1.3113% | 2,551 |
| Return on Equity (ROE) | 14.2268% | 1,064 |
| Retained earnings to average equity (ytd only) | 6.3428% | 2,461 |
| Net charge-offs to loans | -0.0034% | 6,235 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6832% | 5,381 |
| Assets per employee ($millions) | 4.3643% | 3,141 |
| Cash dividends to net income (ytd only)* | 55.4160% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,199 |
| Loan loss allowance to noncurrent loans | 118.3552% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 4,776 |
| Noncurrent loans to loans | 1.0299% | 4,392 |
| Net loans and leases to total assets | 65.8500% | 2,683 |
| Net loans and leases to deposits | 78.2283% | 2,629 |
| Net loans and leases to core deposits | 78.2283% | 3,419 |
| Total domestic deposits to total assets | 84.1766% | 4,135 |
| Equity capital to assets | 8.7284% | 6,085 |
| Core capital (leverage) ratio | 8.4923% | 5,762 |
| Tier 1 risk-based capital ratio | 12.5294% | 5,617 |
| Total risk-based capital ratio | 13.7276% | 5,624 |
| Memoranda: | ||
| Average total assets | $119,577,500 | 4,408 |
| Average earning assets | $109,484,500 | 4,401 |
| Average equity | $10,468,250 | 4,923 |
| Average total loans | $79,053,500 | 4,108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 5,591 |
| Cost of funding earning assets | 0.4777% | 5,776 |
| Net interest margin | 3.5417% | 4,500 |
| Noninterest income to average assets | 0.4448% | 4,334 |
| Noninterest expense to average assets | 2.2105% | 5,971 |
| Loan and lease loss provision to assets | 0.1011% | 4,265 |
| Net operating income to assets | 1.2889% | 1,467 |
| Return on assets (ROA) | 1.2889% | 1,622 |
| Pretax return on assets | 1.3563% | 2,366 |
| Return on Equity (ROE) | 14.7082% | 983 |
| Retained earnings to average equity (ytd only) | 6.7677% | 2,238 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2664% | 5,534 |
| Assets per employee ($millions) | 4.2518% | 3,356 |
| Cash dividends to net income (ytd only)* | 53.9869% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 5,332 |
| Loan loss allowance to noncurrent loans | 74.7860% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1684% | 4,059 |
| Noncurrent loans to loans | 1.6101% | 3,493 |
| Net loans and leases to total assets | 66.2293% | 2,623 |
| Net loans and leases to deposits | 78.6604% | 2,571 |
| Net loans and leases to core deposits | 78.6604% | 3,422 |
| Total domestic deposits to total assets | 84.1966% | 4,232 |
| Equity capital to assets | 8.8123% | 5,900 |
| Core capital (leverage) ratio | 8.5572% | 5,575 |
| Tier 1 risk-based capital ratio | 12.5674% | 5,521 |
| Total risk-based capital ratio | 13.7470% | 5,548 |
| Memoranda: | ||
| Average total assets | $118,703,670 | 4,449 |
| Average earning assets | $108,028,330 | 4,460 |
| Average equity | $10,402,330 | 4,936 |
| Average total loans | $78,251,000 | 4,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 4,643 |
| Cost of funding earning assets | 0.4867% | 5,892 |
| Net interest margin | 3.8370% | 3,205 |
| Noninterest income to average assets | 0.4691% | 4,148 |
| Noninterest expense to average assets | 2.2880% | 5,798 |
| Loan and lease loss provision to assets | 0.1012% | 4,071 |
| Net operating income to assets | 1.4376% | 1,147 |
| Return on assets (ROA) | 1.4376% | 1,285 |
| Pretax return on assets | 1.5118% | 1,844 |
| Return on Equity (ROE) | 16.4511% | 747 |
| Retained earnings to average equity (ytd only) | 16.4511% | 340 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6505% | 5,827 |
| Assets per employee ($millions) | 4.2436% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,405 |
| Loan loss allowance to noncurrent loans | 60.9692% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3743% | 3,824 |
| Noncurrent loans to loans | 1.9991% | 3,168 |
| Net loans and leases to total assets | 63.5019% | 2,952 |
| Net loans and leases to deposits | 74.7881% | 3,001 |
| Net loans and leases to core deposits | 74.7881% | 3,787 |
| Total domestic deposits to total assets | 84.9091% | 4,085 |
| Equity capital to assets | 8.8899% | 5,650 |
| Core capital (leverage) ratio | 8.9694% | 4,884 |
| Tier 1 risk-based capital ratio | 13.9185% | 4,517 |
| Total risk-based capital ratio | 15.1685% | 4,498 |
| Memoranda: | ||
| Average total assets | $118,530,500 | 4,485 |
| Average earning assets | $106,021,000 | 4,545 |
| Average equity | $10,358,000 | 4,956 |
| Average total loans | $77,473,000 | 4,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 6,158 |
| Cost of funding earning assets | 0.5711% | 6,233 |
| Net interest margin | 3.5917% | 4,766 |
| Noninterest income to average assets | 0.4910% | 3,915 |
| Noninterest expense to average assets | 2.6460% | 4,938 |
| Loan and lease loss provision to assets | 0.1085% | 5,243 |
| Net operating income to assets | 1.0390% | 2,047 |
| Return on assets (ROA) | 1.0390% | 2,194 |
| Pretax return on assets | 1.0978% | 2,847 |
| Return on Equity (ROE) | 11.3323% | 1,608 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,199 |
| Net charge-offs to loans | -0.0143% | 6,923 |
| Credit loss provision to net charge-offs | -1,090.9091% | 6,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6854% | 4,211 |
| Assets per employee ($millions) | 4.0773% | 3,700 |
| Cash dividends to net income (ytd only)* | 74.5866% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,638 |
| Loan loss allowance to noncurrent loans | 33.0642% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3943% | 2,539 |
| Noncurrent loans to loans | 3.4686% | 1,849 |
| Net loans and leases to total assets | 65.6803% | 2,843 |
| Net loans and leases to deposits | 76.6318% | 3,067 |
| Net loans and leases to core deposits | 76.6318% | 3,883 |
| Total domestic deposits to total assets | 85.7088% | 3,479 |
| Equity capital to assets | 8.5867% | 6,028 |
| Core capital (leverage) ratio | 8.6840% | 5,276 |
| Tier 1 risk-based capital ratio | 13.1078% | 4,986 |
| Total risk-based capital ratio | 14.3024% | 5,003 |
| Memoranda: | ||
| Average total assets | $110,582,800 | 4,630 |
| Average earning assets | $103,488,800 | 4,552 |
| Average equity | $10,139,200 | 4,977 |
| Average total loans | $76,835,800 | 4,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 6,284 |
| Cost of funding earning assets | 0.5846% | 6,358 |
| Net interest margin | 3.5814% | 4,846 |
| Noninterest income to average assets | 0.4957% | 3,901 |
| Noninterest expense to average assets | 2.4159% | 5,718 |
| Loan and lease loss provision to assets | 0.1104% | 5,055 |
| Net operating income to assets | 1.2883% | 1,408 |
| Return on assets (ROA) | 1.2883% | 1,508 |
| Pretax return on assets | 1.3595% | 2,084 |
| Return on Equity (ROE) | 13.8122% | 1,075 |
| Retained earnings to average equity (ytd only) | 6.9850% | 1,977 |
| Net charge-offs to loans | -0.0192% | 6,904 |
| Credit loss provision to net charge-offs | -818.1818% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1724% | 5,385 |
| Assets per employee ($millions) | 3.7359% | 4,442 |
| Cash dividends to net income (ytd only)* | 49.4282% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,741 |
| Loan loss allowance to noncurrent loans | 31.5809% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 2.6435% | 2,451 |
| Noncurrent loans to loans | 3.5984% | 1,910 |
| Net loans and leases to total assets | 69.9409% | 2,093 |
| Net loans and leases to deposits | 83.4460% | 2,103 |
| Net loans and leases to core deposits | 83.4460% | 3,132 |
| Total domestic deposits to total assets | 83.8158% | 4,317 |
| Equity capital to assets | 9.6548% | 4,847 |
| Core capital (leverage) ratio | 9.2671% | 4,512 |
| Tier 1 risk-based capital ratio | 13.8657% | 4,439 |
| Total risk-based capital ratio | 15.0585% | 4,457 |
| Memoranda: | ||
| Average total assets | $108,668,250 | 4,703 |
| Average earning assets | $102,861,000 | 4,597 |
| Average equity | $10,135,750 | 5,002 |
| Average total loans | $76,404,250 | 4,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 6,425 |
| Cost of funding earning assets | 0.5901% | 6,507 |
| Net interest margin | 3.5389% | 4,979 |
| Noninterest income to average assets | 0.4946% | 3,913 |
| Noninterest expense to average assets | 2.4049% | 5,827 |
| Loan and lease loss provision to assets | 0.1103% | 4,921 |
| Net operating income to assets | 1.2650% | 1,410 |
| Return on assets (ROA) | 1.2650% | 1,473 |
| Pretax return on assets | 1.3312% | 2,034 |
| Return on Equity (ROE) | 13.7220% | 1,039 |
| Retained earnings to average equity (ytd only) | 6.8211% | 1,959 |
| Net charge-offs to loans | -0.0288% | 6,911 |
| Credit loss provision to net charge-offs | -545.4545% | 6,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5239% | 5,497 |
| Assets per employee ($millions) | 3.7680% | 4,276 |
| Cash dividends to net income (ytd only)* | 50.2907% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 6,015 |
| Loan loss allowance to noncurrent loans | 31.9650% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 2.5048% | 2,662 |
| Noncurrent loans to loans | 3.3933% | 2,097 |
| Net loans and leases to total assets | 70.1870% | 2,185 |
| Net loans and leases to deposits | 86.0165% | 1,793 |
| Net loans and leases to core deposits | 86.0165% | 2,902 |
| Total domestic deposits to total assets | 81.5971% | 5,317 |
| Equity capital to assets | 9.3831% | 5,012 |
| Core capital (leverage) ratio | 9.1973% | 4,408 |
| Tier 1 risk-based capital ratio | 13.3818% | 4,624 |
| Total risk-based capital ratio | 14.5145% | 4,693 |
| Memoranda: | ||
| Average total assets | $108,777,670 | 4,738 |
| Average earning assets | $103,027,330 | 4,626 |
| Average equity | $10,027,670 | 5,042 |
| Average total loans | $76,324,000 | 4,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 6,482 |
| Cost of funding earning assets | 0.6136% | 6,552 |
| Net interest margin | 3.4978% | 5,026 |
| Noninterest income to average assets | 0.5160% | 3,756 |
| Noninterest expense to average assets | 2.6573% | 5,007 |
| Loan and lease loss provision to assets | 0.1106% | 4,631 |
| Net operating income to assets | 0.9951% | 2,198 |
| Return on assets (ROA) | 0.9951% | 2,244 |
| Pretax return on assets | 1.0467% | 2,958 |
| Return on Equity (ROE) | 10.8926% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.8926% | 919 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6618% | 4,344 |
| Assets per employee ($millions) | 3.6258% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 6,030 |
| Loan loss allowance to noncurrent loans | 44.3705% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 3,687 |
| Noncurrent loans to loans | 2.4873% | 3,005 |
| Net loans and leases to total assets | 68.1791% | 2,511 |
| Net loans and leases to deposits | 79.3257% | 2,840 |
| Net loans and leases to core deposits | 79.3257% | 3,842 |
| Total domestic deposits to total assets | 85.9484% | 3,550 |
| Equity capital to assets | 9.5599% | 4,353 |
| Core capital (leverage) ratio | 9.2110% | 4,270 |
| Tier 1 risk-based capital ratio | 12.5233% | 5,242 |
| Total risk-based capital ratio | 13.5389% | 5,444 |
| Memoranda: | ||
| Average total assets | $108,531,000 | 4,775 |
| Average earning assets | $102,350,500 | 4,675 |
| Average equity | $9,915,000 | 5,064 |
| Average total loans | $75,718,500 | 4,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 6,087 |
| Cost of funding earning assets | 0.7273% | 6,797 |
| Net interest margin | 3.8809% | 3,583 |
| Noninterest income to average assets | 0.4909% | 4,243 |
| Noninterest expense to average assets | 2.4956% | 5,816 |
| Loan and lease loss provision to assets | 0.4298% | 3,541 |
| Net operating income to assets | 1.1497% | 1,541 |
| Return on assets (ROA) | 1.1497% | 1,625 |
| Pretax return on assets | 1.1863% | 2,269 |
| Return on Equity (ROE) | 12.4824% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.5664% | 3,364 |
| Net charge-offs to loans | 0.5578% | 3,386 |
| Credit loss provision to net charge-offs | 108.0189% | 4,099 |
| Earnings coverage of net charge-offs (x) | 4.0613% | 3,085 |
| Efficiency ratio | 60.6939% | 5,935 |
| Assets per employee ($millions) | 3.8591% | 4,113 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 6,473 |
| Loan loss allowance to noncurrent loans | 30.5798% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 3,029 |
| Noncurrent loans to loans | 3.1894% | 2,387 |
| Net loans and leases to total assets | 69.8554% | 2,569 |
| Net loans and leases to deposits | 81.1741% | 2,954 |
| Net loans and leases to core deposits | 81.1741% | 4,028 |
| Total domestic deposits to total assets | 86.0563% | 3,330 |
| Equity capital to assets | 8.7371% | 5,529 |
| Core capital (leverage) ratio | 8.7321% | 4,967 |
| Tier 1 risk-based capital ratio | 12.8728% | 4,708 |
| Total risk-based capital ratio | 13.9060% | 4,869 |
| Memoranda: | ||
| Average total assets | $106,549,000 | 4,814 |
| Average earning assets | $99,408,800 | 4,739 |
| Average equity | $9,813,800 | 5,183 |
| Average total loans | $76,007,400 | 4,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 5,924 |
| Cost of funding earning assets | 0.7426% | 6,937 |
| Net interest margin | 3.9832% | 3,177 |
| Noninterest income to average assets | 0.4537% | 4,527 |
| Noninterest expense to average assets | 2.7982% | 4,496 |
| Loan and lease loss provision to assets | 0.1141% | 5,892 |
| Net operating income to assets | 1.1963% | 1,605 |
| Return on assets (ROA) | 1.1963% | 1,684 |
| Pretax return on assets | 1.2597% | 2,301 |
| Return on Equity (ROE) | 12.8135% | 1,311 |
| Retained earnings to average equity (ytd only) | 5.7688% | 2,501 |
| Net charge-offs to loans | 0.1240% | 5,313 |
| Credit loss provision to net charge-offs | 128.5714% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.4859% | 1,436 |
| Efficiency ratio | 67.0717% | 4,642 |
| Assets per employee ($millions) | 3.6290% | 4,668 |
| Cash dividends to net income (ytd only)* | 54.9784% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,384 |
| Loan loss allowance to noncurrent loans | 25.4289% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 2.8250% | 2,572 |
| Noncurrent loans to loans | 3.9415% | 1,915 |
| Net loans and leases to total assets | 70.9550% | 2,501 |
| Net loans and leases to deposits | 84.4832% | 2,624 |
| Net loans and leases to core deposits | 86.6648% | 3,563 |
| Total domestic deposits to total assets | 83.9871% | 4,136 |
| Equity capital to assets | 9.5230% | 4,807 |
| Core capital (leverage) ratio | 9.2692% | 4,251 |
| Tier 1 risk-based capital ratio | 13.3914% | 4,281 |
| Total risk-based capital ratio | 14.4385% | 4,414 |
| Memoranda: | ||
| Average total assets | $105,207,750 | 4,905 |
| Average earning assets | $98,209,500 | 4,833 |
| Average equity | $9,822,750 | 5,250 |
| Average total loans | $75,272,250 | 4,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 5,923 |
| Cost of funding earning assets | 0.7563% | 7,048 |
| Net interest margin | 4.0051% | 2,990 |
| Noninterest income to average assets | 0.4240% | 4,722 |
| Noninterest expense to average assets | 2.8537% | 4,252 |
| Loan and lease loss provision to assets | 0.1141% | 5,765 |
| Net operating income to assets | 1.1122% | 1,811 |
| Return on assets (ROA) | 1.1122% | 1,882 |
| Pretax return on assets | 1.1711% | 2,514 |
| Return on Equity (ROE) | 11.9922% | 1,461 |
| Retained earnings to average equity (ytd only) | 4.8994% | 2,961 |
| Net charge-offs to loans | 0.1861% | 4,498 |
| Credit loss provision to net charge-offs | 85.7143% | 4,552 |
| Earnings coverage of net charge-offs (x) | 9.6571% | 1,989 |
| Efficiency ratio | 68.9481% | 4,392 |
| Assets per employee ($millions) | 3.6059% | 4,680 |
| Cash dividends to net income (ytd only)* | 59.1453% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,570 |
| Loan loss allowance to noncurrent loans | 42.4810% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,986 |
| Noncurrent loans to loans | 2.2539% | 3,422 |
| Net loans and leases to total assets | 71.8137% | 2,454 |
| Net loans and leases to deposits | 83.7034% | 2,929 |
| Net loans and leases to core deposits | 85.2107% | 3,956 |
| Total domestic deposits to total assets | 85.7954% | 3,208 |
| Equity capital to assets | 9.4069% | 4,855 |
| Core capital (leverage) ratio | 9.1831% | 4,326 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,393 |
| Total risk-based capital ratio | 12.8205% | 5,671 |
| Memoranda: | ||
| Average total assets | $105,197,000 | 4,938 |
| Average earning assets | $97,576,670 | 4,886 |
| Average equity | $9,756,330 | 5,270 |
| Average total loans | $75,220,000 | 4,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 6,022 |
| Cost of funding earning assets | 0.7713% | 7,173 |
| Net interest margin | 3.9927% | 2,895 |
| Noninterest income to average assets | 0.4284% | 4,675 |
| Noninterest expense to average assets | 2.8623% | 4,216 |
| Loan and lease loss provision to assets | 0.1137% | 5,479 |
| Net operating income to assets | 1.0843% | 1,879 |
| Return on assets (ROA) | 1.0843% | 1,960 |
| Pretax return on assets | 1.1222% | 2,665 |
| Return on Equity (ROE) | 11.7744% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.7744% | 785 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8427% | 4,336 |
| Assets per employee ($millions) | 3.5617% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 6,280 |
| Loan loss allowance to noncurrent loans | 91.0820% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 5,529 |
| Noncurrent loans to loans | 1.1428% | 5,087 |
| Net loans and leases to total assets | 70.5044% | 2,798 |
| Net loans and leases to deposits | 82.1821% | 3,254 |
| Net loans and leases to core deposits | 83.6702% | 4,251 |
| Total domestic deposits to total assets | 85.7905% | 3,267 |
| Equity capital to assets | 9.5266% | 4,493 |
| Core capital (leverage) ratio | 9.2978% | 4,065 |
| Tier 1 risk-based capital ratio | 13.9346% | 3,706 |
| Total risk-based capital ratio | 15.0546% | 3,750 |
| Memoranda: | ||
| Average total assets | $105,509,500 | 4,991 |
| Average earning assets | $96,977,000 | 4,952 |
| Average equity | $9,716,000 | 5,318 |
| Average total loans | $74,918,500 | 4,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 6,249 |
| Cost of funding earning assets | 1.0252% | 7,160 |
| Net interest margin | 4.0282% | 2,751 |
| Noninterest income to average assets | 0.5179% | 4,276 |
| Noninterest expense to average assets | 3.1063% | 3,710 |
| Loan and lease loss provision to assets | 0.0908% | 6,697 |
| Net operating income to assets | 1.0281% | 1,751 |
| Return on assets (ROA) | 1.0281% | 1,794 |
| Pretax return on assets | 1.0787% | 2,310 |
| Return on Equity (ROE) | 11.0354% | 1,407 |
| Retained earnings to average equity (ytd only) | 2.0615% | 3,665 |
| Net charge-offs to loans | 0.3384% | 4,535 |
| Credit loss provision to net charge-offs | 38.0000% | 6,846 |
| Earnings coverage of net charge-offs (x) | 4.8960% | 2,765 |
| Efficiency ratio | 72.6480% | 4,159 |
| Assets per employee ($millions) | 3.7148% | 4,486 |
| Cash dividends to net income (ytd only)* | 81.3197% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,555 |
| Loan loss allowance to noncurrent loans | 140.4580% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 6,231 |
| Noncurrent loans to loans | 0.6872% | 5,862 |
| Net loans and leases to total assets | 70.0935% | 3,236 |
| Net loans and leases to deposits | 81.0030% | 3,799 |
| Net loans and leases to core deposits | 87.0474% | 5,427 |
| Total domestic deposits to total assets | 86.5319% | 2,743 |
| Equity capital to assets | 8.9038% | 5,272 |
| Core capital (leverage) ratio | 9.0317% | 4,370 |
| Tier 1 risk-based capital ratio | 13.1023% | 4,080 |
| Total risk-based capital ratio | 14.1454% | 4,164 |
| Memoranda: | ||
| Average total assets | $104,658,400 | 4,971 |
| Average earning assets | $97,636,400 | 4,904 |
| Average equity | $9,750,400 | 5,367 |
| Average total loans | $73,868,000 | 4,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 6,472 |
| Cost of funding earning assets | 1.0770% | 7,228 |
| Net interest margin | 3.9643% | 2,974 |
| Noninterest income to average assets | 0.5300% | 4,239 |
| Noninterest expense to average assets | 2.8478% | 4,683 |
| Loan and lease loss provision to assets | 0.0834% | 6,535 |
| Net operating income to assets | 1.2692% | 1,291 |
| Return on assets (ROA) | 1.2692% | 1,365 |
| Pretax return on assets | 1.3308% | 1,871 |
| Return on Equity (ROE) | 13.4692% | 1,019 |
| Retained earnings to average equity (ytd only) | 6.4009% | 1,765 |
| Net charge-offs to loans | 0.2111% | 4,712 |
| Credit loss provision to net charge-offs | 56.0345% | 6,227 |
| Earnings coverage of net charge-offs (x) | 9.5002% | 2,101 |
| Efficiency ratio | 66.8172% | 5,221 |
| Assets per employee ($millions) | 3.6709% | 4,499 |
| Cash dividends to net income (ytd only)* | 52.4772% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,668 |
| Loan loss allowance to noncurrent loans | 51.7560% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 3,987 |
| Noncurrent loans to loans | 2.1443% | 3,452 |
| Net loans and leases to total assets | 72.8193% | 2,843 |
| Net loans and leases to deposits | 88.0617% | 2,943 |
| Net loans and leases to core deposits | 95.3502% | 4,890 |
| Total domestic deposits to total assets | 82.6912% | 4,367 |
| Equity capital to assets | 9.6618% | 4,544 |
| Core capital (leverage) ratio | 9.2852% | 4,211 |
| Tier 1 risk-based capital ratio | 11.5519% | 5,382 |
| Total risk-based capital ratio | 12.5718% | 5,564 |
| Memoranda: | ||
| Average total assets | $103,890,750 | 5,020 |
| Average earning assets | $97,804,250 | 4,928 |
| Average equity | $9,790,000 | 5,403 |
| Average total loans | $73,273,250 | 4,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 6,604 |
| Cost of funding earning assets | 1.1166% | 7,336 |
| Net interest margin | 3.9367% | 2,945 |
| Noninterest income to average assets | 0.5755% | 3,867 |
| Noninterest expense to average assets | 2.8007% | 4,958 |
| Loan and lease loss provision to assets | 0.0671% | 6,533 |
| Net operating income to assets | 1.3255% | 1,173 |
| Return on assets (ROA) | 1.3255% | 1,245 |
| Pretax return on assets | 1.4004% | 1,726 |
| Return on Equity (ROE) | 14.1845% | 962 |
| Retained earnings to average equity (ytd only) | 7.0820% | 1,550 |
| Net charge-offs to loans | 0.4085% | 3,159 |
| Credit loss provision to net charge-offs | 23.6486% | 6,092 |
| Earnings coverage of net charge-offs (x) | 5.1689% | 2,897 |
| Efficiency ratio | 65.6180% | 5,610 |
| Assets per employee ($millions) | 3.6650% | 4,407 |
| Cash dividends to net income (ytd only)* | 50.0724% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,925 |
| Loan loss allowance to noncurrent loans | 37.0476% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 3,133 |
| Noncurrent loans to loans | 2.8276% | 2,549 |
| Net loans and leases to total assets | 71.6120% | 3,320 |
| Net loans and leases to deposits | 87.2656% | 3,309 |
| Net loans and leases to core deposits | 94.3812% | 5,072 |
| Total domestic deposits to total assets | 82.0622% | 4,667 |
| Equity capital to assets | 9.5565% | 4,541 |
| Core capital (leverage) ratio | 9.1294% | 4,414 |
| Tier 1 risk-based capital ratio | 11.3568% | 5,547 |
| Total risk-based capital ratio | 12.2978% | 5,746 |
| Memoranda: | ||
| Average total assets | $104,259,000 | 5,041 |
| Average earning assets | $97,798,670 | 4,958 |
| Average equity | $9,743,000 | 5,438 |
| Average total loans | $72,468,330 | 4,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 6,774 |
| Cost of funding earning assets | 1.1688% | 7,372 |
| Net interest margin | 3.8864% | 3,095 |
| Noninterest income to average assets | 0.5215% | 4,122 |
| Noninterest expense to average assets | 2.6609% | 5,179 |
| Loan and lease loss provision to assets | 0.0571% | 6,248 |
| Net operating income to assets | 1.3514% | 1,255 |
| Return on assets (ROA) | 1.3514% | 1,345 |
| Pretax return on assets | 1.4237% | 1,899 |
| Return on Equity (ROE) | 14.6226% | 1,049 |
| Retained earnings to average equity (ytd only) | 14.6226% | 455 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2463% | 5,644 |
| Assets per employee ($millions) | 3.6861% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,323 |
| Loan loss allowance to noncurrent loans | 38.2278% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 2,502 |
| Noncurrent loans to loans | 3.3050% | 1,936 |
| Net loans and leases to total assets | 68.6009% | 3,998 |
| Net loans and leases to deposits | 82.7457% | 4,170 |
| Net loans and leases to core deposits | 89.4565% | 5,610 |
| Total domestic deposits to total assets | 82.9057% | 4,188 |
| Equity capital to assets | 9.5592% | 4,591 |
| Core capital (leverage) ratio | 9.0968% | 4,563 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,260 |
| Total risk-based capital ratio | 12.7610% | 5,296 |
| Memoranda: | ||
| Average total assets | $105,078,000 | 5,040 |
| Average earning assets | $97,879,000 | 4,972 |
| Average equity | $9,711,000 | 5,474 |
| Average total loans | $71,569,000 | 4,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 6,652 |
| Cost of funding earning assets | 1.7158% | 7,225 |
| Net interest margin | 4.0222% | 3,017 |
| Noninterest income to average assets | 0.4040% | 5,436 |
| Noninterest expense to average assets | 3.1040% | 3,680 |
| Loan and lease loss provision to assets | 0.0574% | 6,697 |
| Net operating income to assets | 0.9614% | 2,738 |
| Return on assets (ROA) | 1.0570% | 2,223 |
| Pretax return on assets | 1.1039% | 3,014 |
| Return on Equity (ROE) | 11.6198% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.0945% | 3,933 |
| Net charge-offs to loans | 0.0881% | 5,484 |
| Credit loss provision to net charge-offs | 93.7500% | 5,576 |
| Earnings coverage of net charge-offs (x) | 17.3281% | 1,784 |
| Efficiency ratio | 74.5116% | 3,492 |
| Assets per employee ($millions) | 3.8195% | 3,919 |
| Cash dividends to net income (ytd only)* | 81.9746% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,169 |
| Loan loss allowance to noncurrent loans | 42.7133% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 2,518 |
| Noncurrent loans to loans | 2.9204% | 1,842 |
| Net loans and leases to total assets | 65.9567% | 4,850 |
| Net loans and leases to deposits | 78.8425% | 5,220 |
| Net loans and leases to core deposits | 84.4069% | 6,264 |
| Total domestic deposits to total assets | 83.6562% | 3,500 |
| Equity capital to assets | 8.9354% | 5,456 |
| Core capital (leverage) ratio | 8.7546% | 5,108 |
| Tier 1 risk-based capital ratio | 10.4888% | 6,221 |
| Total risk-based capital ratio | 11.5222% | 6,321 |
| Memoranda: | ||
| Average total assets | $104,446,600 | 4,916 |
| Average earning assets | $97,682,200 | 4,869 |
| Average equity | $9,501,000 | 5,572 |
| Average total loans | $72,640,200 | 4,782 |