Home > Commercial Trust Company of Fayette > Performance and Condition Ratios
Commercial Trust Company of Fayette, 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 | 5.4906% | 2,113 |
| Cost of funding earning assets | 1.9654% | 2,024 |
| Net interest margin | 3.5253% | 2,249 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.3566% | 708 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 0.9788% | 2,331 |
| Return on assets (ROA) | 0.9788% | 2,332 |
| Pretax return on assets | 0.9788% | 2,774 |
| Return on Equity (ROE) | 9.6700% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.7714% | 2,637 |
| Net charge-offs to loans | -0.0460% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.6570% | 1,123 |
| Assets per employee ($millions) | 5.6349% | 3,207 |
| Cash dividends to net income (ytd only)* | 50.6667% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 2,828 |
| Loan loss allowance to noncurrent loans | 228.1059% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 2,044 |
| Noncurrent loans to loans | 0.4726% | 1,940 |
| Net loans and leases to total assets | 65.1400% | 2,377 |
| Net loans and leases to deposits | 73.4056% | 2,605 |
| Net loans and leases to core deposits | 79.5057% | 2,716 |
| Total domestic deposits to total assets | 88.7400% | 1,289 |
| Equity capital to assets | 9.9190% | 2,266 |
| Core capital (leverage) ratio | 10.4878% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $153,252,500 | 3,352 |
| Average earning assets | $147,961,000 | 3,292 |
| Average equity | $15,509,000 | 3,328 |
| Average total loans | $104,317,500 | 3,177 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 2,259 |
| Cost of funding earning assets | 2.0026% | 2,210 |
| Net interest margin | 3.4358% | 2,206 |
| Noninterest income to average assets | 0.8100% | 904 |
| Noninterest expense to average assets | 2.7207% | 1,703 |
| Loan and lease loss provision to assets | -0.0700% | 4,314 |
| Net operating income to assets | 1.4390% | 1,002 |
| Return on assets (ROA) | 1.4390% | 996 |
| Pretax return on assets | 1.4390% | 1,414 |
| Return on Equity (ROE) | 14.3500% | 1,053 |
| Retained earnings to average equity (ytd only) | 0.3958% | 3,821 |
| Net charge-offs to loans | 0.0332% | 1,909 |
| Credit loss provision to net charge-offs | -342.8571% | 4,417 |
| Earnings coverage of net charge-offs (x) | 59.9143% | 1,100 |
| Efficiency ratio | 66.6030% | 2,417 |
| Assets per employee ($millions) | 5.1285% | 3,547 |
| Cash dividends to net income (ytd only)* | 97.2423% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 2,890 |
| Loan loss allowance to noncurrent loans | 226.2195% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,932 |
| Noncurrent loans to loans | 0.4697% | 1,906 |
| Net loans and leases to total assets | 69.6800% | 1,938 |
| Net loans and leases to deposits | 79.8553% | 2,148 |
| Net loans and leases to core deposits | 86.7987% | 2,340 |
| Total domestic deposits to total assets | 87.2500% | 1,786 |
| Equity capital to assets | 10.3330% | 1,940 |
| Core capital (leverage) ratio | 10.5650% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $153,712,600 | 3,334 |
| Average earning assets | $146,660,400 | 3,284 |
| Average equity | $15,412,600 | 3,308 |
| Average total loans | $105,555,400 | 3,159 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 2,395 |
| Cost of funding earning assets | 1.9989% | 2,214 |
| Net interest margin | 3.3375% | 2,372 |
| Noninterest income to average assets | 0.8000% | 884 |
| Noninterest expense to average assets | 2.5916% | 1,983 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 1.4326% | 1,044 |
| Return on assets (ROA) | 1.4326% | 1,039 |
| Pretax return on assets | 1.4326% | 1,438 |
| Return on Equity (ROE) | 14.3900% | 1,070 |
| Retained earnings to average equity (ytd only) | 6.6044% | 1,871 |
| Net charge-offs to loans | 0.0240% | 1,861 |
| Credit loss provision to net charge-offs | -352.6316% | 4,448 |
| Earnings coverage of net charge-offs (x) | 84.3684% | 894 |
| Efficiency ratio | 65.2654% | 2,558 |
| Assets per employee ($millions) | 5.8223% | 3,020 |
| Cash dividends to net income (ytd only)* | 54.1141% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,522 |
| Loan loss allowance to noncurrent loans | 215.3005% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 1,782 |
| Noncurrent loans to loans | 0.5307% | 1,756 |
| Net loans and leases to total assets | 67.5500% | 2,142 |
| Net loans and leases to deposits | 78.3442% | 2,327 |
| Net loans and leases to core deposits | 86.2231% | 2,399 |
| Total domestic deposits to total assets | 86.2200% | 1,855 |
| Equity capital to assets | 10.7062% | 1,868 |
| Core capital (leverage) ratio | 11.1036% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $154,959,000 | 3,320 |
| Average earning assets | $147,413,500 | 3,273 |
| Average equity | $15,423,750 | 3,307 |
| Average total loans | $105,758,750 | 3,162 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 2,404 |
| Cost of funding earning assets | 2.0106% | 2,092 |
| Net interest margin | 3.2636% | 2,492 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.6410% | 1,833 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | 1.2706% | 1,324 |
| Return on assets (ROA) | 1.2706% | 1,328 |
| Pretax return on assets | 1.2706% | 1,775 |
| Return on Equity (ROE) | 13.0800% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.9669% | 1,372 |
| Net charge-offs to loans | 0.0413% | 1,388 |
| Credit loss provision to net charge-offs | -318.1818% | 4,480 |
| Earnings coverage of net charge-offs (x) | 42.2273% | 1,222 |
| Efficiency ratio | 68.9402% | 2,222 |
| Assets per employee ($millions) | 5.9360% | 2,854 |
| Cash dividends to net income (ytd only)* | 39.1129% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,670 |
| Loan loss allowance to noncurrent loans | 210.7527% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 1,721 |
| Noncurrent loans to loans | 0.5319% | 1,682 |
| Net loans and leases to total assets | 67.2200% | 2,205 |
| Net loans and leases to deposits | 77.3095% | 2,442 |
| Net loans and leases to core deposits | 84.5859% | 2,487 |
| Total domestic deposits to total assets | 86.9400% | 1,674 |
| Equity capital to assets | 10.0657% | 2,033 |
| Core capital (leverage) ratio | 10.6883% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0546% | 777 |
| Memoranda: | ||
| Average total assets | $156,152,000 | 3,311 |
| Average earning assets | $148,116,667 | 3,276 |
| Average equity | $15,162,667 | 3,301 |
| Average total loans | $106,531,667 | 3,144 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 2,561 |
| Cost of funding earning assets | 1.9877% | 2,021 |
| Net interest margin | 3.1270% | 2,724 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.5748% | 2,040 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.1053% | 1,647 |
| Return on assets (ROA) | 1.1053% | 1,656 |
| Pretax return on assets | 1.1053% | 2,128 |
| Return on Equity (ROE) | 11.5900% | 1,687 |
| Retained earnings to average equity (ytd only) | 4.1665% | 2,659 |
| Net charge-offs to loans | 0.0857% | 796 |
| Credit loss provision to net charge-offs | -21.7391% | 4,456 |
| Earnings coverage of net charge-offs (x) | 18.6522% | 1,384 |
| Efficiency ratio | 70.2083% | 2,131 |
| Assets per employee ($millions) | 6.2489% | 2,637 |
| Cash dividends to net income (ytd only)* | 64.0553% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,405 |
| Loan loss allowance to noncurrent loans | 218.6949% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 1,715 |
| Noncurrent loans to loans | 0.5376% | 1,581 |
| Net loans and leases to total assets | 64.1500% | 2,458 |
| Net loans and leases to deposits | 73.7728% | 2,622 |
| Net loans and leases to core deposits | 80.8594% | 2,663 |
| Total domestic deposits to total assets | 86.9600% | 1,791 |
| Equity capital to assets | 9.2853% | 2,481 |
| Core capital (leverage) ratio | 10.5267% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2428% | 891 |
| Memoranda: | ||
| Average total assets | $157,060,000 | 3,316 |
| Average earning assets | $148,511,500 | 3,285 |
| Average equity | $14,976,500 | 3,327 |
| Average total loans | $107,341,000 | 3,141 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 2,723 |
| Cost of funding earning assets | 1.7644% | 1,313 |
| Net interest margin | 2.9149% | 3,449 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.2706% | 2,919 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1425% | 1,802 |
| Return on assets (ROA) | 1.1425% | 1,775 |
| Pretax return on assets | 1.1425% | 2,283 |
| Return on Equity (ROE) | 13.4600% | 1,615 |
| Retained earnings to average equity (ytd only) | 4.3302% | 2,855 |
| Net charge-offs to loans | 0.1015% | 898 |
| Credit loss provision to net charge-offs | 93.6937% | 1,917 |
| Earnings coverage of net charge-offs (x) | 18.1532% | 1,947 |
| Efficiency ratio | 65.3363% | 2,438 |
| Assets per employee ($millions) | 6.5934% | 2,346 |
| Cash dividends to net income (ytd only)* | 67.8179% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,498 |
| Loan loss allowance to noncurrent loans | 163.1918% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 1,096 |
| Noncurrent loans to loans | 0.7114% | 1,095 |
| Net loans and leases to total assets | 71.1800% | 1,674 |
| Net loans and leases to deposits | 82.5902% | 1,904 |
| Net loans and leases to core deposits | 90.5444% | 2,010 |
| Total domestic deposits to total assets | 86.1900% | 1,956 |
| Equity capital to assets | 9.8036% | 2,120 |
| Core capital (leverage) ratio | 10.2518% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $167,265,800 | 3,210 |
| Average earning assets | $159,832,200 | 3,173 |
| Average equity | $14,202,600 | 3,328 |
| Average total loans | $109,392,200 | 3,071 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,743 |
| Cost of funding earning assets | 1.7282% | 1,134 |
| Net interest margin | 2.8449% | 3,653 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.2527% | 2,941 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.9892% | 2,394 |
| Return on assets (ROA) | 0.9892% | 2,382 |
| Pretax return on assets | 0.9892% | 2,887 |
| Return on Equity (ROE) | 12.0600% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.2001% | 2,223 |
| Net charge-offs to loans | 0.0877% | 862 |
| Credit loss provision to net charge-offs | 208.3333% | 1,096 |
| Earnings coverage of net charge-offs (x) | 19.7222% | 1,828 |
| Efficiency ratio | 67.0686% | 2,135 |
| Assets per employee ($millions) | 6.1421% | 2,618 |
| Cash dividends to net income (ytd only)* | 40.3150% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,019 |
| Loan loss allowance to noncurrent loans | 196.6570% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 1,353 |
| Noncurrent loans to loans | 0.6447% | 1,270 |
| Net loans and leases to total assets | 65.9800% | 2,243 |
| Net loans and leases to deposits | 75.5567% | 2,456 |
| Net loans and leases to core deposits | 82.4600% | 2,439 |
| Total domestic deposits to total assets | 87.3200% | 1,793 |
| Equity capital to assets | 8.8526% | 2,501 |
| Core capital (leverage) ratio | 9.7870% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $171,170,000 | 3,195 |
| Average earning assets | $163,561,250 | 3,154 |
| Average equity | $14,036,500 | 3,333 |
| Average total loans | $109,436,500 | 3,067 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 2,820 |
| Cost of funding earning assets | 1.6541% | 959 |
| Net interest margin | 2.7722% | 3,864 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.1795% | 3,135 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0446% | 2,272 |
| Return on assets (ROA) | 1.0446% | 2,269 |
| Pretax return on assets | 1.0446% | 2,788 |
| Return on Equity (ROE) | 13.0500% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.5698% | 2,107 |
| Net charge-offs to loans | 0.1287% | 575 |
| Credit loss provision to net charge-offs | 16.9014% | 1,778 |
| Earnings coverage of net charge-offs (x) | 13.0423% | 1,915 |
| Efficiency ratio | 67.3138% | 2,067 |
| Assets per employee ($millions) | 5.6818% | 2,993 |
| Cash dividends to net income (ytd only)* | 42.0131% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 2,831 |
| Loan loss allowance to noncurrent loans | 374.1538% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 2,241 |
| Noncurrent loans to loans | 0.3001% | 2,056 |
| Net loans and leases to total assets | 62.8200% | 2,496 |
| Net loans and leases to deposits | 71.2621% | 2,697 |
| Net loans and leases to core deposits | 77.2823% | 2,670 |
| Total domestic deposits to total assets | 88.1600% | 1,547 |
| Equity capital to assets | 8.2644% | 3,043 |
| Core capital (leverage) ratio | 9.2961% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,995,333 | 3,180 |
| Average earning assets | $169,398,333 | 3,111 |
| Average equity | $14,003,000 | 3,355 |
| Average total loans | $110,344,333 | 3,053 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,600 |
| Cost of funding earning assets | 1.5104% | 830 |
| Net interest margin | 2.8718% | 3,828 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1301% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1711% | 2,022 |
| Return on assets (ROA) | 1.1711% | 1,985 |
| Pretax return on assets | 1.1711% | 2,510 |
| Return on Equity (ROE) | 14.8700% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.2026% | 1,427 |
| Net charge-offs to loans | 0.0180% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 103.8000% | 772 |
| Efficiency ratio | 64.5249% | 2,385 |
| Assets per employee ($millions) | 6.5400% | 2,314 |
| Cash dividends to net income (ytd only)* | 24.6628% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,818 |
| Loan loss allowance to noncurrent loans | 348.9011% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 2,109 |
| Noncurrent loans to loans | 0.3298% | 1,970 |
| Net loans and leases to total assets | 61.7900% | 2,485 |
| Net loans and leases to deposits | 69.9801% | 2,614 |
| Net loans and leases to core deposits | 75.2706% | 2,583 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 7.9698% | 3,263 |
| Core capital (leverage) ratio | 8.8573% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8370% | 1,019 |
| Memoranda: | ||
| Average total assets | $177,266,500 | 3,200 |
| Average earning assets | $171,880,500 | 3,129 |
| Average equity | $13,961,000 | 3,390 |
| Average total loans | $111,365,000 | 3,085 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 3,104 |
| Cost of funding earning assets | 0.6597% | 691 |
| Net interest margin | 2.8301% | 3,829 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.0216% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4435% | 1,022 |
| Return on assets (ROA) | 1.4435% | 982 |
| Pretax return on assets | 1.4435% | 1,644 |
| Return on Equity (ROE) | 18.5600% | 623 |
| Retained earnings to average equity (ytd only) | 7.1183% | 2,194 |
| Net charge-offs to loans | 0.0077% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 324.6250% | 465 |
| Efficiency ratio | 58.3414% | 3,287 |
| Assets per employee ($millions) | 6.5909% | 2,261 |
| Cash dividends to net income (ytd only)* | 61.6481% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 4,401 |
| Loan loss allowance to noncurrent loans | 258.4746% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 2,593 |
| Noncurrent loans to loans | 0.2101% | 2,441 |
| Net loans and leases to total assets | 62.7900% | 2,348 |
| Net loans and leases to deposits | 71.5987% | 2,443 |
| Net loans and leases to core deposits | 77.7517% | 2,300 |
| Total domestic deposits to total assets | 87.7000% | 2,180 |
| Equity capital to assets | 7.7823% | 3,201 |
| Core capital (leverage) ratio | 8.9160% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3195% | 1,080 |
| Memoranda: | ||
| Average total assets | $179,904,600 | 3,192 |
| Average earning assets | $174,765,200 | 3,106 |
| Average equity | $13,992,200 | 3,469 |
| Average total loans | $104,229,000 | 3,092 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2988% | 3,177 |
| Cost of funding earning assets | 0.5284% | 647 |
| Net interest margin | 2.7704% | 3,799 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.9830% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4383% | 985 |
| Return on assets (ROA) | 1.4383% | 961 |
| Pretax return on assets | 1.4383% | 1,601 |
| Return on Equity (ROE) | 18.5000% | 577 |
| Retained earnings to average equity (ytd only) | 9.9323% | 1,360 |
| Net charge-offs to loans | 0.0091% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 502 |
| Efficiency ratio | 57.9607% | 3,389 |
| Assets per employee ($millions) | 6.7174% | 2,151 |
| Cash dividends to net income (ytd only)* | 46.3001% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 4,417 |
| Loan loss allowance to noncurrent loans | 253.9419% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,682 |
| Noncurrent loans to loans | 0.2199% | 2,510 |
| Net loans and leases to total assets | 60.0800% | 2,497 |
| Net loans and leases to deposits | 68.1462% | 2,525 |
| Net loans and leases to core deposits | 74.0551% | 2,344 |
| Total domestic deposits to total assets | 88.1600% | 2,379 |
| Equity capital to assets | 7.3138% | 3,329 |
| Core capital (leverage) ratio | 8.7703% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7418% | 1,039 |
| Memoranda: | ||
| Average total assets | $180,392,250 | 3,206 |
| Average earning assets | $175,374,000 | 3,126 |
| Average equity | $14,028,000 | 3,502 |
| Average total loans | $102,199,500 | 3,119 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 3,461 |
| Cost of funding earning assets | 0.4411% | 726 |
| Net interest margin | 2.5954% | 3,922 |
| Noninterest income to average assets | 0.7220% | 1,254 |
| Noninterest expense to average assets | 1.9670% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2773% | 1,199 |
| Return on assets (ROA) | 1.2773% | 1,187 |
| Pretax return on assets | 1.2773% | 1,824 |
| Return on Equity (ROE) | 16.1038% | 684 |
| Retained earnings to average equity (ytd only) | 8.9341% | 1,308 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6299% | 3,223 |
| Assets per employee ($millions) | 7.0470% | 1,907 |
| Cash dividends to net income (ytd only)* | 44.5217% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 4,463 |
| Loan loss allowance to noncurrent loans | 243.7008% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,746 |
| Noncurrent loans to loans | 0.2461% | 2,502 |
| Net loans and leases to total assets | 55.9827% | 2,761 |
| Net loans and leases to deposits | 63.5814% | 2,758 |
| Net loans and leases to core deposits | 69.3157% | 2,543 |
| Total domestic deposits to total assets | 88.0489% | 2,555 |
| Equity capital to assets | 7.5057% | 3,473 |
| Core capital (leverage) ratio | 8.7035% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,066,667 | 3,244 |
| Average earning assets | $174,999,667 | 3,172 |
| Average equity | $14,282,333 | 3,559 |
| Average total loans | $99,741,667 | 3,193 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9433% | 3,421 |
| Cost of funding earning assets | 0.4037% | 847 |
| Net interest margin | 2.5396% | 3,811 |
| Noninterest income to average assets | 0.5782% | 1,787 |
| Noninterest expense to average assets | 2.0326% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0129% | 1,821 |
| Return on assets (ROA) | 1.0129% | 1,816 |
| Pretax return on assets | 1.0129% | 2,395 |
| Return on Equity (ROE) | 12.4283% | 1,189 |
| Retained earnings to average equity (ytd only) | 5.3892% | 2,447 |
| Net charge-offs to loans | 0.0082% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 399 |
| Efficiency ratio | 66.7403% | 2,669 |
| Assets per employee ($millions) | 6.8738% | 2,084 |
| Cash dividends to net income (ytd only)* | 56.6372% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,483 |
| Loan loss allowance to noncurrent loans | 226.4706% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,526 |
| Noncurrent loans to loans | 0.2790% | 2,471 |
| Net loans and leases to total assets | 52.1919% | 2,971 |
| Net loans and leases to deposits | 59.9209% | 2,913 |
| Net loans and leases to core deposits | 65.1362% | 2,705 |
| Total domestic deposits to total assets | 87.1013% | 2,892 |
| Equity capital to assets | 7.4621% | 3,958 |
| Core capital (leverage) ratio | 8.6076% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,489,500 | 3,269 |
| Average earning assets | $173,410,000 | 3,195 |
| Average equity | $14,547,500 | 3,600 |
| Average total loans | $98,017,000 | 3,213 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 3,553 |
| Cost of funding earning assets | 0.4524% | 1,185 |
| Net interest margin | 2.7121% | 3,850 |
| Noninterest income to average assets | 0.8785% | 1,262 |
| Noninterest expense to average assets | 2.1132% | 3,358 |
| Loan and lease loss provision to assets | 0.0089% | 2,901 |
| Net operating income to assets | 1.3719% | 1,370 |
| Return on assets (ROA) | 1.3719% | 1,419 |
| Pretax return on assets | 1.3719% | 2,132 |
| Return on Equity (ROE) | 15.4540% | 850 |
| Retained earnings to average equity (ytd only) | 6.1669% | 2,286 |
| Net charge-offs to loans | 0.0011% | 2,638 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 2,323.0000% | 60 |
| Efficiency ratio | 60.4798% | 3,084 |
| Assets per employee ($millions) | 6.5918% | 2,247 |
| Cash dividends to net income (ytd only)* | 60.0953% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 4,524 |
| Loan loss allowance to noncurrent loans | 231.4607% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,852 |
| Noncurrent loans to loans | 0.2709% | 2,630 |
| Net loans and leases to total assets | 57.1432% | 2,461 |
| Net loans and leases to deposits | 67.0363% | 2,403 |
| Net loans and leases to core deposits | 74.0974% | 2,069 |
| Total domestic deposits to total assets | 85.2422% | 3,192 |
| Equity capital to assets | 8.8957% | 3,721 |
| Core capital (leverage) ratio | 8.6122% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,231,800 | 3,318 |
| Average earning assets | $162,236,600 | 3,253 |
| Average equity | $14,934,600 | 3,644 |
| Average total loans | $94,251,200 | 3,270 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1563% | 3,688 |
| Cost of funding earning assets | 0.4534% | 1,328 |
| Net interest margin | 2.7030% | 3,967 |
| Noninterest income to average assets | 0.8050% | 1,510 |
| Noninterest expense to average assets | 2.1276% | 3,283 |
| Loan and lease loss provision to assets | 0.0119% | 2,752 |
| Net operating income to assets | 1.2669% | 1,931 |
| Return on assets (ROA) | 1.2669% | 1,988 |
| Pretax return on assets | 1.2669% | 2,711 |
| Return on Equity (ROE) | 14.2782% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.1257% | 2,364 |
| Net charge-offs to loans | 0.0072% | 2,054 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 321.2000% | 419 |
| Efficiency ratio | 62.4591% | 2,621 |
| Assets per employee ($millions) | 6.5427% | 2,211 |
| Cash dividends to net income (ytd only)* | 50.0943% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 4,572 |
| Loan loss allowance to noncurrent loans | 213.9373% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 3,032 |
| Noncurrent loans to loans | 0.3037% | 2,707 |
| Net loans and leases to total assets | 53.1429% | 3,065 |
| Net loans and leases to deposits | 62.1588% | 3,021 |
| Net loans and leases to core deposits | 68.3333% | 2,750 |
| Total domestic deposits to total assets | 85.4954% | 2,948 |
| Equity capital to assets | 8.6933% | 4,075 |
| Core capital (leverage) ratio | 8.7114% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,443,000 | 3,360 |
| Average earning assets | $161,152,750 | 3,294 |
| Average equity | $14,856,750 | 3,699 |
| Average total loans | $93,175,500 | 3,333 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 4,017 |
| Cost of funding earning assets | 0.4544% | 1,492 |
| Net interest margin | 2.5589% | 4,239 |
| Noninterest income to average assets | 0.7739% | 1,603 |
| Noninterest expense to average assets | 2.2169% | 3,028 |
| Loan and lease loss provision to assets | 0.0183% | 2,594 |
| Net operating income to assets | 0.9916% | 2,917 |
| Return on assets (ROA) | 0.9916% | 3,002 |
| Pretax return on assets | 0.9916% | 3,460 |
| Return on Equity (ROE) | 11.0960% | 2,396 |
| Retained earnings to average equity (ytd only) | 3.7440% | 3,605 |
| Net charge-offs to loans | 0.0065% | 1,908 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 276.6667% | 393 |
| Efficiency ratio | 68.7029% | 1,795 |
| Assets per employee ($millions) | 6.0543% | 2,559 |
| Cash dividends to net income (ytd only)* | 66.2577% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 4,610 |
| Loan loss allowance to noncurrent loans | 161.4173% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,805 |
| Noncurrent loans to loans | 0.3975% | 2,481 |
| Net loans and leases to total assets | 56.1763% | 2,877 |
| Net loans and leases to deposits | 66.0169% | 2,822 |
| Net loans and leases to core deposits | 72.4072% | 2,572 |
| Total domestic deposits to total assets | 85.0938% | 3,051 |
| Equity capital to assets | 8.7518% | 4,010 |
| Core capital (leverage) ratio | 8.5904% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,372,667 | 3,391 |
| Average earning assets | $157,569,000 | 3,334 |
| Average equity | $14,690,000 | 3,720 |
| Average total loans | $92,736,333 | 3,358 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 3,959 |
| Cost of funding earning assets | 0.4658% | 1,617 |
| Net interest margin | 2.5981% | 4,157 |
| Noninterest income to average assets | 0.6354% | 2,073 |
| Noninterest expense to average assets | 2.2349% | 2,989 |
| Loan and lease loss provision to assets | 0.0371% | 2,279 |
| Net operating income to assets | 0.8455% | 3,286 |
| Return on assets (ROA) | 0.8455% | 3,365 |
| Pretax return on assets | 0.8455% | 3,732 |
| Return on Equity (ROE) | 9.3590% | 2,905 |
| Retained earnings to average equity (ytd only) | 1.5872% | 4,103 |
| Net charge-offs to loans | 0.0175% | 1,398 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 659 |
| Efficiency ratio | 71.6891% | 1,527 |
| Assets per employee ($millions) | 5.3866% | 3,239 |
| Cash dividends to net income (ytd only)* | 83.0409% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 4,607 |
| Loan loss allowance to noncurrent loans | 153.6341% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 2,846 |
| Noncurrent loans to loans | 0.4369% | 2,548 |
| Net loans and leases to total assets | 54.3193% | 3,210 |
| Net loans and leases to deposits | 63.8363% | 3,138 |
| Net loans and leases to core deposits | 69.5446% | 2,901 |
| Total domestic deposits to total assets | 85.0915% | 3,059 |
| Equity capital to assets | 8.7487% | 3,915 |
| Core capital (leverage) ratio | 8.5830% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,799,500 | 3,415 |
| Average earning assets | $154,576,500 | 3,368 |
| Average equity | $14,617,000 | 3,731 |
| Average total loans | $91,182,000 | 3,391 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 3,572 |
| Cost of funding earning assets | 0.5921% | 2,371 |
| Net interest margin | 3.1091% | 3,607 |
| Noninterest income to average assets | 1.0251% | 1,003 |
| Noninterest expense to average assets | 2.4074% | 3,117 |
| Loan and lease loss provision to assets | 0.0969% | 3,131 |
| Net operating income to assets | 1.4868% | 840 |
| Return on assets (ROA) | 1.4868% | 911 |
| Pretax return on assets | 1.4868% | 1,376 |
| Return on Equity (ROE) | 15.5178% | 561 |
| Retained earnings to average equity (ytd only) | 6.0684% | 1,765 |
| Net charge-offs to loans | 0.0169% | 2,753 |
| Credit loss provision to net charge-offs | 875.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 608 |
| Efficiency ratio | 60.3191% | 3,408 |
| Assets per employee ($millions) | 5.0521% | 3,335 |
| Cash dividends to net income (ytd only)* | 60.8939% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 4,648 |
| Loan loss allowance to noncurrent loans | 186.1111% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 3,141 |
| Noncurrent loans to loans | 0.3559% | 2,925 |
| Net loans and leases to total assets | 57.7490% | 3,111 |
| Net loans and leases to deposits | 68.5647% | 3,024 |
| Net loans and leases to core deposits | 75.1987% | 2,800 |
| Total domestic deposits to total assets | 84.2255% | 3,043 |
| Equity capital to assets | 9.3382% | 3,757 |
| Core capital (leverage) ratio | 8.9733% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,471,400 | 3,463 |
| Average earning assets | $137,821,800 | 3,412 |
| Average equity | $13,842,200 | 3,782 |
| Average total loans | $94,665,600 | 3,322 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 3,671 |
| Cost of funding earning assets | 0.6221% | 2,479 |
| Net interest margin | 3.1331% | 3,662 |
| Noninterest income to average assets | 0.8767% | 1,287 |
| Noninterest expense to average assets | 2.4312% | 3,050 |
| Loan and lease loss provision to assets | 0.1039% | 3,022 |
| Net operating income to assets | 1.3282% | 1,291 |
| Return on assets (ROA) | 1.3282% | 1,375 |
| Pretax return on assets | 1.3282% | 1,942 |
| Return on Equity (ROE) | 13.7663% | 926 |
| Retained earnings to average equity (ytd only) | 2.2472% | 3,845 |
| Net charge-offs to loans | 0.0251% | 2,332 |
| Credit loss provision to net charge-offs | 611.1111% | 1,155 |
| Earnings coverage of net charge-offs (x) | 84.3889% | 892 |
| Efficiency ratio | 62.9331% | 2,926 |
| Assets per employee ($millions) | 4.9124% | 3,359 |
| Cash dividends to net income (ytd only)* | 83.6764% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 4,734 |
| Loan loss allowance to noncurrent loans | 95.4849% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 2,504 |
| Noncurrent loans to loans | 0.6228% | 2,240 |
| Net loans and leases to total assets | 62.6794% | 2,922 |
| Net loans and leases to deposits | 74.6199% | 2,898 |
| Net loans and leases to core deposits | 81.5944% | 2,687 |
| Total domestic deposits to total assets | 83.9982% | 2,824 |
| Equity capital to assets | 9.1842% | 3,968 |
| Core capital (leverage) ratio | 9.0956% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,435,750 | 3,480 |
| Average earning assets | $134,815,250 | 3,433 |
| Average equity | $13,646,500 | 3,801 |
| Average total loans | $95,570,500 | 3,313 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,811 |
| Cost of funding earning assets | 0.6754% | 2,526 |
| Net interest margin | 3.5097% | 2,752 |
| Noninterest income to average assets | 0.7735% | 1,506 |
| Noninterest expense to average assets | 2.4423% | 3,135 |
| Loan and lease loss provision to assets | 0.1161% | 2,862 |
| Net operating income to assets | 1.5557% | 838 |
| Return on assets (ROA) | 1.5557% | 909 |
| Pretax return on assets | 1.5557% | 1,330 |
| Return on Equity (ROE) | 15.7697% | 606 |
| Retained earnings to average equity (ytd only) | 4.0748% | 2,865 |
| Net charge-offs to loans | 0.0398% | 1,948 |
| Credit loss provision to net charge-offs | 421.0526% | 1,361 |
| Earnings coverage of net charge-offs (x) | 60.6316% | 960 |
| Efficiency ratio | 59.3651% | 3,508 |
| Assets per employee ($millions) | 5.4316% | 2,707 |
| Cash dividends to net income (ytd only)* | 74.1604% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 4,792 |
| Loan loss allowance to noncurrent loans | 151.6854% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 3,252 |
| Noncurrent loans to loans | 0.3616% | 3,104 |
| Net loans and leases to total assets | 66.7655% | 2,529 |
| Net loans and leases to deposits | 79.9283% | 2,432 |
| Net loans and leases to core deposits | 87.8222% | 2,260 |
| Total domestic deposits to total assets | 83.5318% | 2,911 |
| Equity capital to assets | 9.5505% | 3,612 |
| Core capital (leverage) ratio | 9.8088% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,820,000 | 3,507 |
| Average earning assets | $131,178,000 | 3,460 |
| Average equity | $13,595,667 | 3,815 |
| Average total loans | $95,420,333 | 3,308 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,575 |
| Cost of funding earning assets | 0.7943% | 2,428 |
| Net interest margin | 3.2874% | 3,622 |
| Noninterest income to average assets | 0.6357% | 1,878 |
| Noninterest expense to average assets | 2.5696% | 3,078 |
| Loan and lease loss provision to assets | 0.0450% | 3,215 |
| Net operating income to assets | 1.1484% | 1,692 |
| Return on assets (ROA) | 1.1484% | 1,799 |
| Pretax return on assets | 1.1484% | 2,364 |
| Return on Equity (ROE) | 11.4409% | 1,280 |
| Retained earnings to average equity (ytd only) | -4.6600% | 4,494 |
| Net charge-offs to loans | 0.0895% | 1,157 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 18.9524% | 1,452 |
| Efficiency ratio | 68.2869% | 2,621 |
| Assets per employee ($millions) | 4.7273% | 2,959 |
| Cash dividends to net income (ytd only)* | 140.7311% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 4,874 |
| Loan loss allowance to noncurrent loans | 192.2764% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,625 |
| Noncurrent loans to loans | 0.2593% | 3,564 |
| Net loans and leases to total assets | 71.3253% | 2,034 |
| Net loans and leases to deposits | 82.7895% | 2,356 |
| Net loans and leases to core deposits | 92.1711% | 2,134 |
| Total domestic deposits to total assets | 86.1526% | 1,942 |
| Equity capital to assets | 9.9869% | 3,800 |
| Core capital (leverage) ratio | 9.5717% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,404,000 | 3,543 |
| Average earning assets | $126,909,500 | 3,483 |
| Average equity | $13,390,500 | 3,846 |
| Average total loans | $93,904,000 | 3,321 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 3,928 |
| Cost of funding earning assets | 0.8171% | 2,604 |
| Net interest margin | 3.3324% | 3,909 |
| Noninterest income to average assets | 0.6308% | 2,091 |
| Noninterest expense to average assets | 2.4130% | 3,651 |
| Loan and lease loss provision to assets | 0.0473% | 3,082 |
| Net operating income to assets | 1.3341% | 1,565 |
| Return on assets (ROA) | 1.3341% | 1,648 |
| Pretax return on assets | 1.3341% | 2,383 |
| Return on Equity (ROE) | 12.5914% | 1,303 |
| Retained earnings to average equity (ytd only) | 0.2379% | 4,621 |
| Net charge-offs to loans | 0.0656% | 2,153 |
| Credit loss provision to net charge-offs | 101.6949% | 2,436 |
| Earnings coverage of net charge-offs (x) | 29.7288% | 1,589 |
| Efficiency ratio | 63.5949% | 3,130 |
| Assets per employee ($millions) | 4.8016% | 2,836 |
| Cash dividends to net income (ytd only)* | 98.1110% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 4,872 |
| Loan loss allowance to noncurrent loans | 159.6667% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,557 |
| Noncurrent loans to loans | 0.3228% | 3,287 |
| Net loans and leases to total assets | 68.7625% | 2,573 |
| Net loans and leases to deposits | 79.8133% | 2,799 |
| Net loans and leases to core deposits | 88.3013% | 2,582 |
| Total domestic deposits to total assets | 86.1541% | 2,002 |
| Equity capital to assets | 10.0875% | 3,844 |
| Core capital (leverage) ratio | 10.2157% | 3,282 |
| Tier 1 risk-based capital ratio | 17.6083% | 1,862 |
| Total risk-based capital ratio | 18.2375% | 2,004 |
| Memoranda: | ||
| Average total assets | $126,980,400 | 3,603 |
| Average earning assets | $120,544,000 | 3,554 |
| Average equity | $13,453,600 | 3,828 |
| Average total loans | $89,929,600 | 3,400 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 3,945 |
| Cost of funding earning assets | 0.8257% | 2,590 |
| Net interest margin | 3.3624% | 3,957 |
| Noninterest income to average assets | 0.6298% | 2,072 |
| Noninterest expense to average assets | 2.4468% | 3,579 |
| Loan and lease loss provision to assets | 0.0480% | 2,933 |
| Net operating income to assets | 1.3246% | 1,754 |
| Return on assets (ROA) | 1.3246% | 1,819 |
| Pretax return on assets | 1.3246% | 2,587 |
| Return on Equity (ROE) | 12.3434% | 1,502 |
| Retained earnings to average equity (ytd only) | 1.9960% | 4,269 |
| Net charge-offs to loans | 0.0688% | 1,844 |
| Credit loss provision to net charge-offs | 97.8261% | 2,307 |
| Earnings coverage of net charge-offs (x) | 28.0008% | 1,698 |
| Efficiency ratio | 64.0625% | 3,000 |
| Assets per employee ($millions) | 4.6663% | 2,954 |
| Cash dividends to net income (ytd only)* | 83.8296% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 4,933 |
| Loan loss allowance to noncurrent loans | 356.7164% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,194 |
| Noncurrent loans to loans | 0.1480% | 4,010 |
| Net loans and leases to total assets | 68.9367% | 2,632 |
| Net loans and leases to deposits | 79.1984% | 2,991 |
| Net loans and leases to core deposits | 87.7602% | 2,758 |
| Total domestic deposits to total assets | 87.0431% | 1,490 |
| Equity capital to assets | 10.5077% | 3,537 |
| Core capital (leverage) ratio | 10.7083% | 2,930 |
| Tier 1 risk-based capital ratio | 18.2381% | 1,752 |
| Total risk-based capital ratio | 18.8804% | 1,878 |
| Memoranda: | ||
| Average total assets | $125,114,500 | 3,661 |
| Average earning assets | $118,681,000 | 3,613 |
| Average equity | $13,426,500 | 3,862 |
| Average total loans | $89,180,500 | 3,454 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 3,925 |
| Cost of funding earning assets | 0.8511% | 2,388 |
| Net interest margin | 3.3495% | 4,032 |
| Noninterest income to average assets | 0.5630% | 2,324 |
| Noninterest expense to average assets | 2.5457% | 3,342 |
| Loan and lease loss provision to assets | 0.0487% | 2,847 |
| Net operating income to assets | 1.1487% | 2,331 |
| Return on assets (ROA) | 1.1487% | 2,411 |
| Pretax return on assets | 1.1487% | 3,082 |
| Return on Equity (ROE) | 10.6261% | 2,123 |
| Retained earnings to average equity (ytd only) | -1.1707% | 4,843 |
| Net charge-offs to loans | 0.0789% | 1,576 |
| Credit loss provision to net charge-offs | 85.7143% | 2,173 |
| Earnings coverage of net charge-offs (x) | 21.0857% | 1,742 |
| Efficiency ratio | 68.0104% | 2,529 |
| Assets per employee ($millions) | 4.3985% | 3,287 |
| Cash dividends to net income (ytd only)* | 111.0169% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 4,973 |
| Loan loss allowance to noncurrent loans | 224.6445% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,907 |
| Noncurrent loans to loans | 0.2380% | 3,686 |
| Net loans and leases to total assets | 71.6080% | 2,264 |
| Net loans and leases to deposits | 82.7564% | 2,645 |
| Net loans and leases to core deposits | 92.4395% | 2,372 |
| Total domestic deposits to total assets | 86.5287% | 1,808 |
| Equity capital to assets | 10.9023% | 3,176 |
| Core capital (leverage) ratio | 10.6551% | 2,932 |
| Tier 1 risk-based capital ratio | 18.3388% | 1,715 |
| Total risk-based capital ratio | 18.9927% | 1,823 |
| Memoranda: | ||
| Average total assets | $123,267,330 | 3,707 |
| Average earning assets | $117,031,670 | 3,658 |
| Average equity | $13,325,670 | 3,882 |
| Average total loans | $88,724,670 | 3,488 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,860 |
| Cost of funding earning assets | 0.8429% | 2,313 |
| Net interest margin | 3.3579% | 4,015 |
| Noninterest income to average assets | 0.5092% | 2,501 |
| Noninterest expense to average assets | 2.6402% | 3,082 |
| Loan and lease loss provision to assets | 0.0487% | 2,682 |
| Net operating income to assets | 0.9990% | 2,844 |
| Return on assets (ROA) | 0.9990% | 2,882 |
| Pretax return on assets | 0.9990% | 3,439 |
| Return on Equity (ROE) | 9.2806% | 2,679 |
| Retained earnings to average equity (ytd only) | -6.6893% | 4,999 |
| Net charge-offs to loans | -0.0045% | 3,995 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5919% | 2,098 |
| Assets per employee ($millions) | 4.1871% | 3,644 |
| Cash dividends to net income (ytd only)* | 172.0779% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 5,007 |
| Loan loss allowance to noncurrent loans | 117.1021% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 3,140 |
| Noncurrent loans to loans | 0.4773% | 2,883 |
| Net loans and leases to total assets | 69.8280% | 2,512 |
| Net loans and leases to deposits | 81.3679% | 2,685 |
| Net loans and leases to core deposits | 90.3485% | 2,459 |
| Total domestic deposits to total assets | 85.8176% | 2,351 |
| Equity capital to assets | 10.5156% | 3,329 |
| Core capital (leverage) ratio | 10.4323% | 3,131 |
| Tier 1 risk-based capital ratio | 17.9826% | 1,794 |
| Total risk-based capital ratio | 18.6567% | 1,921 |
| Memoranda: | ||
| Average total assets | $123,322,000 | 3,743 |
| Average earning assets | $116,739,500 | 3,702 |
| Average equity | $13,275,000 | 3,908 |
| Average total loans | $88,754,500 | 3,516 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,304 |
| Cost of funding earning assets | 0.6034% | 2,687 |
| Net interest margin | 3.2825% | 4,297 |
| Noninterest income to average assets | 0.5055% | 2,810 |
| Noninterest expense to average assets | 2.2820% | 4,166 |
| Loan and lease loss provision to assets | 0.0077% | 3,967 |
| Net operating income to assets | 1.3446% | 1,637 |
| Return on assets (ROA) | 1.3446% | 1,623 |
| Pretax return on assets | 1.3446% | 2,345 |
| Return on Equity (ROE) | 13.0651% | 1,317 |
| Retained earnings to average equity (ytd only) | 2.3392% | 4,219 |
| Net charge-offs to loans | 0.0576% | 2,317 |
| Credit loss provision to net charge-offs | 20.4082% | 3,400 |
| Earnings coverage of net charge-offs (x) | 35.6531% | 1,428 |
| Efficiency ratio | 62.7902% | 3,386 |
| Assets per employee ($millions) | 4.3225% | 3,423 |
| Cash dividends to net income (ytd only)* | 82.0956% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 5,083 |
| Loan loss allowance to noncurrent loans | 117.1569% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 3,075 |
| Noncurrent loans to loans | 0.4569% | 2,898 |
| Net loans and leases to total assets | 73.3903% | 2,030 |
| Net loans and leases to deposits | 86.1175% | 2,255 |
| Net loans and leases to core deposits | 92.4067% | 2,375 |
| Total domestic deposits to total assets | 85.2211% | 2,546 |
| Equity capital to assets | 11.0228% | 2,666 |
| Core capital (leverage) ratio | 10.5740% | 2,953 |
| Tier 1 risk-based capital ratio | 16.8297% | 2,125 |
| Total risk-based capital ratio | 17.4313% | 2,293 |
| Memoranda: | ||
| Average total assets | $129,182,800 | 3,656 |
| Average earning assets | $123,138,800 | 3,597 |
| Average equity | $13,295,000 | 3,843 |
| Average total loans | $85,129,400 | 3,566 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,462 |
| Cost of funding earning assets | 0.5623% | 2,768 |
| Net interest margin | 3.2265% | 4,463 |
| Noninterest income to average assets | 0.5223% | 2,731 |
| Noninterest expense to average assets | 2.2648% | 4,181 |
| Loan and lease loss provision to assets | 0.0030% | 3,906 |
| Net operating income to assets | 1.3270% | 1,754 |
| Return on assets (ROA) | 1.3270% | 1,764 |
| Pretax return on assets | 1.3270% | 2,519 |
| Return on Equity (ROE) | 13.1087% | 1,388 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,290 |
| Net charge-offs to loans | 0.0650% | 1,904 |
| Credit loss provision to net charge-offs | 7.3171% | 3,064 |
| Earnings coverage of net charge-offs (x) | 31.9241% | 1,555 |
| Efficiency ratio | 63.0017% | 3,335 |
| Assets per employee ($millions) | 4.2945% | 3,427 |
| Cash dividends to net income (ytd only)* | 49.0814% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 5,132 |
| Loan loss allowance to noncurrent loans | 242.6396% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,191 |
| Noncurrent loans to loans | 0.2252% | 3,901 |
| Net loans and leases to total assets | 67.5396% | 3,006 |
| Net loans and leases to deposits | 78.7307% | 3,167 |
| Net loans and leases to core deposits | 84.0553% | 3,151 |
| Total domestic deposits to total assets | 85.7856% | 2,288 |
| Equity capital to assets | 10.5686% | 3,075 |
| Core capital (leverage) ratio | 10.6991% | 2,880 |
| Tier 1 risk-based capital ratio | 19.0864% | 1,516 |
| Total risk-based capital ratio | 19.7511% | 1,626 |
| Memoranda: | ||
| Average total assets | $131,220,750 | 3,669 |
| Average earning assets | $124,963,750 | 3,610 |
| Average equity | $13,283,500 | 3,877 |
| Average total loans | $84,086,000 | 3,623 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 4,539 |
| Cost of funding earning assets | 0.5386% | 2,699 |
| Net interest margin | 3.1807% | 4,551 |
| Noninterest income to average assets | 0.4893% | 2,921 |
| Noninterest expense to average assets | 2.2891% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2332% | 2,045 |
| Return on assets (ROA) | 1.2332% | 2,042 |
| Pretax return on assets | 1.2332% | 2,804 |
| Return on Equity (ROE) | 12.3589% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.5287% | 2,297 |
| Net charge-offs to loans | 0.0241% | 2,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 81.4000% | 815 |
| Efficiency ratio | 64.9892% | 3,159 |
| Assets per employee ($millions) | 4.4261% | 3,241 |
| Cash dividends to net income (ytd only)* | 47.1744% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,097 |
| Loan loss allowance to noncurrent loans | 301.7857% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 4,345 |
| Noncurrent loans to loans | 0.2009% | 4,003 |
| Net loans and leases to total assets | 64.7387% | 3,316 |
| Net loans and leases to deposits | 76.0458% | 3,323 |
| Net loans and leases to core deposits | 81.3247% | 3,297 |
| Total domestic deposits to total assets | 85.1312% | 2,627 |
| Equity capital to assets | 10.4639% | 3,163 |
| Core capital (leverage) ratio | 10.0868% | 3,491 |
| Tier 1 risk-based capital ratio | 19.2598% | 1,485 |
| Total risk-based capital ratio | 19.9834% | 1,576 |
| Memoranda: | ||
| Average total assets | $132,016,330 | 3,675 |
| Average earning assets | $125,883,330 | 3,624 |
| Average equity | $13,172,670 | 3,907 |
| Average total loans | $82,950,670 | 3,661 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 4,650 |
| Cost of funding earning assets | 0.5192% | 2,644 |
| Net interest margin | 3.1059% | 4,698 |
| Noninterest income to average assets | 0.4572% | 3,066 |
| Noninterest expense to average assets | 2.3400% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0669% | 2,578 |
| Return on assets (ROA) | 1.0669% | 2,590 |
| Pretax return on assets | 1.0669% | 3,293 |
| Return on Equity (ROE) | 10.9480% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.0973% | 3,966 |
| Net charge-offs to loans | 0.0194% | 2,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 658 |
| Efficiency ratio | 68.6842% | 2,720 |
| Assets per employee ($millions) | 4.9100% | 2,595 |
| Cash dividends to net income (ytd only)* | 71.7087% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6159% | 5,158 |
| Loan loss allowance to noncurrent loans | 286.0335% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,439 |
| Noncurrent loans to loans | 0.2153% | 4,009 |
| Net loans and leases to total assets | 60.0997% | 3,744 |
| Net loans and leases to deposits | 70.4354% | 3,746 |
| Net loans and leases to core deposits | 74.2170% | 3,805 |
| Total domestic deposits to total assets | 85.3259% | 2,816 |
| Equity capital to assets | 9.5097% | 4,082 |
| Core capital (leverage) ratio | 9.5539% | 4,010 |
| Tier 1 risk-based capital ratio | 18.4308% | 1,715 |
| Total risk-based capital ratio | 19.1478% | 1,815 |
| Memoranda: | ||
| Average total assets | $133,846,500 | 3,680 |
| Average earning assets | $127,113,000 | 3,631 |
| Average equity | $13,043,500 | 3,959 |
| Average total loans | $82,624,500 | 3,697 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,783 |
| Cost of funding earning assets | 0.4174% | 3,073 |
| Net interest margin | 3.0864% | 4,720 |
| Noninterest income to average assets | 0.5333% | 2,804 |
| Noninterest expense to average assets | 2.1905% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2944% | 1,236 |
| Return on assets (ROA) | 1.2944% | 1,255 |
| Pretax return on assets | 1.2944% | 2,373 |
| Return on Equity (ROE) | 12.8610% | 984 |
| Retained earnings to average equity (ytd only) | 2.9727% | 3,519 |
| Net charge-offs to loans | 0.0075% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 278.3333% | 304 |
| Efficiency ratio | 62.8559% | 3,800 |
| Assets per employee ($millions) | 4.3404% | 3,431 |
| Cash dividends to net income (ytd only)* | 76.8862% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6284% | 5,192 |
| Loan loss allowance to noncurrent loans | 273.0159% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,419 |
| Noncurrent loans to loans | 0.2302% | 3,985 |
| Net loans and leases to total assets | 62.6635% | 3,534 |
| Net loans and leases to deposits | 73.0676% | 3,590 |
| Net loans and leases to core deposits | 77.3414% | 3,639 |
| Total domestic deposits to total assets | 85.7610% | 2,550 |
| Equity capital to assets | 9.9936% | 3,716 |
| Core capital (leverage) ratio | 10.0619% | 3,375 |
| Tier 1 risk-based capital ratio | 18.5242% | 1,646 |
| Total risk-based capital ratio | 19.2560% | 1,753 |
| Memoranda: | ||
| Average total assets | $129,014,400 | 3,762 |
| Average earning assets | $123,380,200 | 3,696 |
| Average equity | $12,985,000 | 3,985 |
| Average total loans | $80,097,400 | 3,746 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,884 |
| Cost of funding earning assets | 0.4023% | 3,166 |
| Net interest margin | 3.0571% | 4,802 |
| Noninterest income to average assets | 0.4869% | 3,106 |
| Noninterest expense to average assets | 2.1473% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2679% | 1,443 |
| Return on assets (ROA) | 1.2679% | 1,471 |
| Pretax return on assets | 1.2679% | 2,633 |
| Return on Equity (ROE) | 12.5748% | 1,157 |
| Retained earnings to average equity (ytd only) | 7.0888% | 1,649 |
| Net charge-offs to loans | -0.0117% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8753% | 3,737 |
| Assets per employee ($millions) | 4.3827% | 3,338 |
| Cash dividends to net income (ytd only)* | 43.6273% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 5,240 |
| Loan loss allowance to noncurrent loans | 259.3137% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,495 |
| Noncurrent loans to loans | 0.2500% | 4,060 |
| Net loans and leases to total assets | 61.6591% | 3,692 |
| Net loans and leases to deposits | 72.1726% | 3,752 |
| Net loans and leases to core deposits | 76.1121% | 3,794 |
| Total domestic deposits to total assets | 85.4329% | 2,545 |
| Equity capital to assets | 10.2524% | 3,634 |
| Core capital (leverage) ratio | 10.4442% | 3,045 |
| Tier 1 risk-based capital ratio | 19.2990% | 1,520 |
| Total risk-based capital ratio | 20.0627% | 1,595 |
| Memoranda: | ||
| Average total assets | $128,714,750 | 3,809 |
| Average earning assets | $123,295,250 | 3,722 |
| Average equity | $12,978,000 | 4,027 |
| Average total loans | $79,593,750 | 3,782 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 4,952 |
| Cost of funding earning assets | 0.4018% | 3,057 |
| Net interest margin | 3.0117% | 4,881 |
| Noninterest income to average assets | 0.4633% | 3,265 |
| Noninterest expense to average assets | 2.1691% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1800% | 1,665 |
| Return on assets (ROA) | 1.1800% | 1,698 |
| Pretax return on assets | 1.1800% | 2,853 |
| Return on Equity (ROE) | 11.7714% | 1,369 |
| Retained earnings to average equity (ytd only) | 5.4330% | 2,454 |
| Net charge-offs to loans | -0.0177% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7664% | 3,546 |
| Assets per employee ($millions) | 4.4492% | 3,197 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 5,269 |
| Loan loss allowance to noncurrent loans | 229.0043% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,434 |
| Noncurrent loans to loans | 0.2916% | 3,998 |
| Net loans and leases to total assets | 63.1741% | 3,497 |
| Net loans and leases to deposits | 74.3753% | 3,507 |
| Net loans and leases to core deposits | 78.6939% | 3,532 |
| Total domestic deposits to total assets | 84.9396% | 2,841 |
| Equity capital to assets | 10.5460% | 3,283 |
| Core capital (leverage) ratio | 10.2469% | 3,210 |
| Tier 1 risk-based capital ratio | 19.8825% | 1,389 |
| Total risk-based capital ratio | 20.6899% | 1,443 |
| Memoranda: | ||
| Average total assets | $127,792,670 | 3,843 |
| Average earning assets | $122,454,330 | 3,758 |
| Average equity | $12,810,670 | 4,062 |
| Average total loans | $78,925,330 | 3,817 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 5,056 |
| Cost of funding earning assets | 0.4003% | 2,994 |
| Net interest margin | 2.9311% | 5,022 |
| Noninterest income to average assets | 0.4204% | 3,518 |
| Noninterest expense to average assets | 2.2102% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0170% | 2,236 |
| Return on assets (ROA) | 1.0170% | 2,289 |
| Pretax return on assets | 1.0170% | 3,293 |
| Return on Equity (ROE) | 10.4056% | 1,778 |
| Retained earnings to average equity (ytd only) | 1.6130% | 4,461 |
| Net charge-offs to loans | -0.0203% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4866% | 3,123 |
| Assets per employee ($millions) | 4.5511% | 3,090 |
| Cash dividends to net income (ytd only)* | 84.4985% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 5,372 |
| Loan loss allowance to noncurrent loans | 224.7863% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,514 |
| Noncurrent loans to loans | 0.2966% | 4,054 |
| Net loans and leases to total assets | 61.4957% | 3,600 |
| Net loans and leases to deposits | 71.8171% | 3,622 |
| Net loans and leases to core deposits | 75.8496% | 3,664 |
| Total domestic deposits to total assets | 85.6282% | 2,827 |
| Equity capital to assets | 9.9874% | 3,769 |
| Core capital (leverage) ratio | 9.7532% | 3,809 |
| Tier 1 risk-based capital ratio | 19.6484% | 1,464 |
| Total risk-based capital ratio | 20.4603% | 1,524 |
| Memoranda: | ||
| Average total assets | $129,400,000 | 3,851 |
| Average earning assets | $123,911,500 | 3,774 |
| Average equity | $12,647,000 | 4,112 |
| Average total loans | $78,773,000 | 3,839 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3475% | 5,084 |
| Cost of funding earning assets | 0.3812% | 3,188 |
| Net interest margin | 2.9662% | 5,023 |
| Noninterest income to average assets | 0.4792% | 3,354 |
| Noninterest expense to average assets | 2.1639% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1587% | 1,655 |
| Return on assets (ROA) | 1.1618% | 1,736 |
| Pretax return on assets | 1.1618% | 2,847 |
| Return on Equity (ROE) | 11.8712% | 1,282 |
| Retained earnings to average equity (ytd only) | 3.0892% | 3,702 |
| Net charge-offs to loans | -0.0065% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1266% | 3,741 |
| Assets per employee ($millions) | 4.5300% | 3,076 |
| Cash dividends to net income (ytd only)* | 73.9772% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 5,425 |
| Loan loss allowance to noncurrent loans | 248.5714% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,682 |
| Noncurrent loans to loans | 0.2670% | 4,196 |
| Net loans and leases to total assets | 59.4763% | 3,910 |
| Net loans and leases to deposits | 68.9785% | 4,010 |
| Net loans and leases to core deposits | 72.6970% | 4,037 |
| Total domestic deposits to total assets | 86.2244% | 2,484 |
| Equity capital to assets | 9.5661% | 4,202 |
| Core capital (leverage) ratio | 9.9741% | 3,515 |
| Tier 1 risk-based capital ratio | 19.2572% | 1,533 |
| Total risk-based capital ratio | 20.0501% | 1,621 |
| Memoranda: | ||
| Average total assets | $128,334,000 | 3,858 |
| Average earning assets | $123,017,400 | 3,770 |
| Average equity | $12,559,800 | 4,160 |
| Average total loans | $77,014,200 | 3,878 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,164 |
| Cost of funding earning assets | 0.3805% | 3,223 |
| Net interest margin | 2.9516% | 5,093 |
| Noninterest income to average assets | 0.4724% | 3,416 |
| Noninterest expense to average assets | 2.1310% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1789% | 1,708 |
| Return on assets (ROA) | 1.1831% | 1,800 |
| Pretax return on assets | 1.1831% | 2,906 |
| Return on Equity (ROE) | 12.0186% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.0624% | 2,154 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3827% | 3,873 |
| Assets per employee ($millions) | 4.5412% | 3,017 |
| Cash dividends to net income (ytd only)* | 49.5581% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 5,502 |
| Loan loss allowance to noncurrent loans | 224.7826% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 4,322 |
| Noncurrent loans to loans | 0.2950% | 4,198 |
| Net loans and leases to total assets | 60.9159% | 3,751 |
| Net loans and leases to deposits | 71.3653% | 3,852 |
| Net loans and leases to core deposits | 75.3847% | 3,894 |
| Total domestic deposits to total assets | 85.3579% | 2,656 |
| Equity capital to assets | 10.1656% | 3,960 |
| Core capital (leverage) ratio | 10.0682% | 3,477 |
| Tier 1 risk-based capital ratio | 19.6267% | 1,517 |
| Total risk-based capital ratio | 20.4243% | 1,590 |
| Memoranda: | ||
| Average total assets | $127,575,000 | 3,897 |
| Average earning assets | $122,644,250 | 3,803 |
| Average equity | $12,558,000 | 4,199 |
| Average total loans | $76,603,750 | 3,914 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,255 |
| Cost of funding earning assets | 0.3830% | 3,232 |
| Net interest margin | 2.9335% | 5,201 |
| Noninterest income to average assets | 0.4400% | 3,590 |
| Noninterest expense to average assets | 2.1501% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1087% | 1,927 |
| Return on assets (ROA) | 1.1150% | 2,022 |
| Pretax return on assets | 1.1150% | 3,137 |
| Return on Equity (ROE) | 11.4512% | 1,494 |
| Retained earnings to average equity (ytd only) | 4.4872% | 3,060 |
| Net charge-offs to loans | -0.0053% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9779% | 3,684 |
| Assets per employee ($millions) | 4.5514% | 2,936 |
| Cash dividends to net income (ytd only)* | 60.8146% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 5,552 |
| Loan loss allowance to noncurrent loans | 214.8760% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 4,320 |
| Noncurrent loans to loans | 0.3174% | 4,228 |
| Net loans and leases to total assets | 61.6179% | 3,665 |
| Net loans and leases to deposits | 72.4104% | 3,749 |
| Net loans and leases to core deposits | 76.6477% | 3,768 |
| Total domestic deposits to total assets | 85.0954% | 2,833 |
| Equity capital to assets | 10.3248% | 3,822 |
| Core capital (leverage) ratio | 9.5093% | 4,197 |
| Tier 1 risk-based capital ratio | 19.5816% | 1,543 |
| Total risk-based capital ratio | 20.4007% | 1,625 |
| Memoranda: | ||
| Average total assets | $127,715,330 | 3,922 |
| Average earning assets | $122,719,000 | 3,830 |
| Average equity | $12,435,330 | 4,246 |
| Average total loans | $76,147,000 | 3,949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2274% | 5,448 |
| Cost of funding earning assets | 0.3778% | 3,321 |
| Net interest margin | 2.8496% | 5,394 |
| Noninterest income to average assets | 0.4334% | 3,592 |
| Noninterest expense to average assets | 2.1425% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0267% | 2,174 |
| Return on assets (ROA) | 1.0267% | 2,291 |
| Pretax return on assets | 1.0267% | 3,381 |
| Return on Equity (ROE) | 10.8538% | 1,648 |
| Retained earnings to average equity (ytd only) | 0.9424% | 4,860 |
| Net charge-offs to loans | -0.0158% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6043% | 3,527 |
| Assets per employee ($millions) | 5.0196% | 2,320 |
| Cash dividends to net income (ytd only)* | 91.3174% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 5,625 |
| Loan loss allowance to noncurrent loans | 280.1075% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 4,651 |
| Noncurrent loans to loans | 0.2436% | 4,558 |
| Net loans and leases to total assets | 55.9533% | 4,262 |
| Net loans and leases to deposits | 64.4959% | 4,394 |
| Net loans and leases to core deposits | 67.8273% | 4,418 |
| Total domestic deposits to total assets | 86.7549% | 2,324 |
| Equity capital to assets | 9.1154% | 5,068 |
| Core capital (leverage) ratio | 9.3532% | 4,420 |
| Tier 1 risk-based capital ratio | 19.2482% | 1,675 |
| Total risk-based capital ratio | 20.0714% | 1,745 |
| Memoranda: | ||
| Average total assets | $130,129,000 | 3,910 |
| Average earning assets | $124,928,500 | 3,809 |
| Average equity | $12,309,000 | 4,284 |
| Average total loans | $76,100,000 | 3,963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 5,496 |
| Cost of funding earning assets | 0.3769% | 3,406 |
| Net interest margin | 2.8403% | 5,442 |
| Noninterest income to average assets | 0.4606% | 3,589 |
| Noninterest expense to average assets | 2.0898% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0982% | 1,938 |
| Return on assets (ROA) | 1.0989% | 2,003 |
| Pretax return on assets | 1.0989% | 3,068 |
| Return on Equity (ROE) | 11.7092% | 1,381 |
| Retained earnings to average equity (ytd only) | 5.4832% | 2,089 |
| Net charge-offs to loans | 0.0723% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 26.9615% | 1,562 |
| Efficiency ratio | 65.5528% | 3,972 |
| Assets per employee ($millions) | 4.6196% | 2,856 |
| Cash dividends to net income (ytd only)* | 53.1718% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 5,663 |
| Loan loss allowance to noncurrent loans | 259.7990% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,565 |
| Noncurrent loans to loans | 0.2624% | 4,508 |
| Net loans and leases to total assets | 60.3941% | 3,778 |
| Net loans and leases to deposits | 70.4464% | 3,874 |
| Net loans and leases to core deposits | 74.4645% | 3,894 |
| Total domestic deposits to total assets | 85.7307% | 2,760 |
| Equity capital to assets | 9.8325% | 4,154 |
| Core capital (leverage) ratio | 9.7812% | 3,800 |
| Tier 1 risk-based capital ratio | 19.3966% | 1,613 |
| Total risk-based capital ratio | 20.2219% | 1,669 |
| Memoranda: | ||
| Average total assets | $127,667,600 | 3,941 |
| Average earning assets | $122,591,800 | 3,829 |
| Average equity | $11,982,000 | 4,310 |
| Average total loans | $71,929,200 | 4,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 5,628 |
| Cost of funding earning assets | 0.3796% | 3,443 |
| Net interest margin | 2.7880% | 5,605 |
| Noninterest income to average assets | 0.4600% | 3,636 |
| Noninterest expense to average assets | 2.1131% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0238% | 2,362 |
| Return on assets (ROA) | 1.0249% | 2,440 |
| Pretax return on assets | 1.0249% | 3,523 |
| Return on Equity (ROE) | 11.0479% | 1,687 |
| Retained earnings to average equity (ytd only) | 6.7272% | 1,821 |
| Net charge-offs to loans | 0.1372% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.5069% | 2,321 |
| Efficiency ratio | 67.3618% | 3,657 |
| Assets per employee ($millions) | 5.0532% | 2,238 |
| Cash dividends to net income (ytd only)* | 39.1080% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6721% | 5,786 |
| Loan loss allowance to noncurrent loans | 248.5000% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 4,745 |
| Noncurrent loans to loans | 0.2705% | 4,607 |
| Net loans and leases to total assets | 58.1417% | 4,123 |
| Net loans and leases to deposits | 67.7424% | 4,217 |
| Net loans and leases to core deposits | 71.5464% | 4,229 |
| Total domestic deposits to total assets | 85.8277% | 2,621 |
| Equity capital to assets | 9.6888% | 4,530 |
| Core capital (leverage) ratio | 9.3990% | 4,445 |
| Tier 1 risk-based capital ratio | 19.6891% | 1,626 |
| Total risk-based capital ratio | 20.4980% | 1,680 |
| Memoranda: | ||
| Average total assets | $128,402,250 | 3,965 |
| Average earning assets | $123,286,750 | 3,855 |
| Average equity | $11,911,500 | 4,371 |
| Average total loans | $70,950,000 | 4,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 5,744 |
| Cost of funding earning assets | 0.3821% | 3,458 |
| Net interest margin | 2.7198% | 5,742 |
| Noninterest income to average assets | 0.4539% | 3,672 |
| Noninterest expense to average assets | 2.0698% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9977% | 2,402 |
| Return on assets (ROA) | 0.9993% | 2,502 |
| Pretax return on assets | 0.9993% | 3,594 |
| Return on Equity (ROE) | 10.9304% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.5921% | 1,902 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4747% | 3,748 |
| Assets per employee ($millions) | 4.8384% | 2,494 |
| Cash dividends to net income (ytd only)* | 39.6899% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 5,604 |
| Loan loss allowance to noncurrent loans | 150.5291% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,681 |
| Noncurrent loans to loans | 0.5315% | 3,863 |
| Net loans and leases to total assets | 56.0839% | 4,326 |
| Net loans and leases to deposits | 65.1844% | 4,417 |
| Net loans and leases to core deposits | 68.8490% | 4,422 |
| Total domestic deposits to total assets | 86.0388% | 2,681 |
| Equity capital to assets | 9.4945% | 4,658 |
| Core capital (leverage) ratio | 9.0640% | 4,873 |
| Tier 1 risk-based capital ratio | 19.8248% | 1,592 |
| Total risk-based capital ratio | 20.7741% | 1,628 |
| Memoranda: | ||
| Average total assets | $129,092,670 | 3,977 |
| Average earning assets | $124,055,000 | 3,880 |
| Average equity | $11,802,000 | 4,415 |
| Average total loans | $69,950,670 | 4,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0350% | 5,860 |
| Cost of funding earning assets | 0.3881% | 3,433 |
| Net interest margin | 2.6469% | 5,871 |
| Noninterest income to average assets | 0.4436% | 3,676 |
| Noninterest expense to average assets | 2.0713% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9179% | 2,660 |
| Return on assets (ROA) | 0.9209% | 2,768 |
| Pretax return on assets | 0.9209% | 3,809 |
| Return on Equity (ROE) | 10.2634% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.8989% | 2,551 |
| Net charge-offs to loans | 0.0173% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 494 |
| Efficiency ratio | 69.2938% | 3,612 |
| Assets per employee ($millions) | 5.1710% | 2,149 |
| Cash dividends to net income (ytd only)* | 42.5249% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 5,658 |
| Loan loss allowance to noncurrent loans | 268.2464% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 5,264 |
| Noncurrent loans to loans | 0.3041% | 4,699 |
| Net loans and leases to total assets | 51.1890% | 4,733 |
| Net loans and leases to deposits | 58.8229% | 4,851 |
| Net loans and leases to core deposits | 61.8666% | 4,845 |
| Total domestic deposits to total assets | 87.0222% | 2,354 |
| Equity capital to assets | 8.8229% | 5,481 |
| Core capital (leverage) ratio | 8.9124% | 5,061 |
| Tier 1 risk-based capital ratio | 20.0826% | 1,596 |
| Total risk-based capital ratio | 21.0568% | 1,627 |
| Memoranda: | ||
| Average total assets | $130,739,500 | 3,978 |
| Average earning assets | $125,732,500 | 3,875 |
| Average equity | $11,731,000 | 4,465 |
| Average total loans | $69,365,000 | 4,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 6,111 |
| Cost of funding earning assets | 0.4693% | 2,987 |
| Net interest margin | 2.4613% | 6,186 |
| Noninterest income to average assets | 0.4293% | 3,976 |
| Noninterest expense to average assets | 2.0668% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7251% | 3,770 |
| Return on assets (ROA) | 0.7251% | 3,875 |
| Pretax return on assets | 0.7251% | 4,529 |
| Return on Equity (ROE) | 8.2745% | 2,981 |
| Retained earnings to average equity (ytd only) | 0.5280% | 5,533 |
| Net charge-offs to loans | 0.0092% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 341 |
| Efficiency ratio | 74.0288% | 2,830 |
| Assets per employee ($millions) | 4.8859% | 2,478 |
| Cash dividends to net income (ytd only)* | 93.6192% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 5,724 |
| Loan loss allowance to noncurrent loans | 206.9091% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 5,091 |
| Noncurrent loans to loans | 0.3966% | 4,454 |
| Net loans and leases to total assets | 54.1383% | 4,562 |
| Net loans and leases to deposits | 63.4546% | 4,585 |
| Net loans and leases to core deposits | 67.0103% | 4,595 |
| Total domestic deposits to total assets | 85.3181% | 3,156 |
| Equity capital to assets | 9.1314% | 5,151 |
| Core capital (leverage) ratio | 9.0034% | 4,999 |
| Tier 1 risk-based capital ratio | 20.1225% | 1,571 |
| Total risk-based capital ratio | 21.1187% | 1,594 |
| Memoranda: | ||
| Average total assets | $131,849,400 | 3,942 |
| Average earning assets | $126,561,200 | 3,831 |
| Average equity | $11,553,600 | 4,446 |
| Average total loans | $65,055,800 | 4,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8583% | 6,240 |
| Cost of funding earning assets | 0.4771% | 2,984 |
| Net interest margin | 2.3812% | 6,307 |
| Noninterest income to average assets | 0.4329% | 4,001 |
| Noninterest expense to average assets | 1.8088% | 6,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9099% | 2,865 |
| Return on assets (ROA) | 0.9099% | 2,964 |
| Pretax return on assets | 0.9099% | 3,946 |
| Return on Equity (ROE) | 10.4890% | 2,010 |
| Retained earnings to average equity (ytd only) | 4.2626% | 3,614 |
| Net charge-offs to loans | -0.0125% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5315% | 4,130 |
| Assets per employee ($millions) | 4.8656% | 2,421 |
| Cash dividends to net income (ytd only)* | 59.3612% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 5,696 |
| Loan loss allowance to noncurrent loans | 394.5578% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 5,657 |
| Noncurrent loans to loans | 0.2199% | 5,244 |
| Net loans and leases to total assets | 50.4483% | 4,956 |
| Net loans and leases to deposits | 59.8360% | 4,956 |
| Net loans and leases to core deposits | 63.1100% | 4,960 |
| Total domestic deposits to total assets | 84.3110% | 3,639 |
| Equity capital to assets | 9.0978% | 5,254 |
| Core capital (leverage) ratio | 9.0644% | 4,978 |
| Tier 1 risk-based capital ratio | 21.3822% | 1,380 |
| Total risk-based capital ratio | 22.4330% | 1,393 |
| Memoranda: | ||
| Average total assets | $133,053,250 | 3,954 |
| Average earning assets | $127,718,250 | 3,841 |
| Average equity | $11,542,000 | 4,475 |
| Average total loans | $63,984,000 | 4,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7913% | 6,343 |
| Cost of funding earning assets | 0.4813% | 3,010 |
| Net interest margin | 2.3100% | 6,402 |
| Noninterest income to average assets | 0.4386% | 3,962 |
| Noninterest expense to average assets | 1.8202% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8382% | 3,136 |
| Return on assets (ROA) | 0.8382% | 3,227 |
| Pretax return on assets | 0.8382% | 4,128 |
| Return on Equity (ROE) | 9.8200% | 2,234 |
| Retained earnings to average equity (ytd only) | 2.6479% | 4,518 |
| Net charge-offs to loans | -0.0222% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4685% | 3,922 |
| Assets per employee ($millions) | 4.8049% | 2,466 |
| Cash dividends to net income (ytd only)* | 73.0357% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,723 |
| Loan loss allowance to noncurrent loans | 371.7949% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 5,745 |
| Noncurrent loans to loans | 0.2420% | 5,273 |
| Net loans and leases to total assets | 49.2481% | 5,048 |
| Net loans and leases to deposits | 58.3588% | 5,005 |
| Net loans and leases to core deposits | 61.5884% | 5,001 |
| Total domestic deposits to total assets | 84.3885% | 3,786 |
| Equity capital to assets | 8.9724% | 5,325 |
| Core capital (leverage) ratio | 8.6895% | 5,415 |
| Tier 1 risk-based capital ratio | 21.7118% | 1,309 |
| Total risk-based capital ratio | 22.7988% | 1,315 |
| Memoranda: | ||
| Average total assets | $133,613,670 | 3,965 |
| Average earning assets | $128,400,330 | 3,846 |
| Average equity | $11,405,330 | 4,516 |
| Average total loans | $63,027,000 | 4,455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7086% | 6,460 |
| Cost of funding earning assets | 0.4841% | 3,073 |
| Net interest margin | 2.2245% | 6,515 |
| Noninterest income to average assets | 0.4397% | 3,873 |
| Noninterest expense to average assets | 1.7794% | 6,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8026% | 3,141 |
| Return on assets (ROA) | 0.8026% | 3,221 |
| Pretax return on assets | 0.8026% | 4,104 |
| Return on Equity (ROE) | 9.6386% | 2,184 |
| Retained earnings to average equity (ytd only) | -0.3189% | 5,617 |
| Net charge-offs to loans | 0.0064% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 175 |
| Efficiency ratio | 68.9143% | 4,015 |
| Assets per employee ($millions) | 5.1103% | 2,117 |
| Cash dividends to net income (ytd only)* | 103.3088% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 5,762 |
| Loan loss allowance to noncurrent loans | 362.6582% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 5,860 |
| Noncurrent loans to loans | 0.2574% | 5,332 |
| Net loans and leases to total assets | 44.0799% | 5,504 |
| Net loans and leases to deposits | 51.5227% | 5,484 |
| Net loans and leases to core deposits | 54.1546% | 5,489 |
| Total domestic deposits to total assets | 85.5543% | 3,585 |
| Equity capital to assets | 8.2201% | 5,893 |
| Core capital (leverage) ratio | 8.3766% | 5,773 |
| Tier 1 risk-based capital ratio | 22.5236% | 1,205 |
| Total risk-based capital ratio | 23.6531% | 1,205 |
| Memoranda: | ||
| Average total assets | $135,555,000 | 3,969 |
| Average earning assets | $130,548,500 | 3,822 |
| Average equity | $11,288,000 | 4,547 |
| Average total loans | $62,305,500 | 4,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8344% | 6,478 |
| Cost of funding earning assets | 0.5283% | 3,302 |
| Net interest margin | 2.3061% | 6,522 |
| Noninterest income to average assets | 0.4225% | 4,282 |
| Noninterest expense to average assets | 1.7828% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8451% | 3,067 |
| Return on assets (ROA) | 0.8474% | 3,125 |
| Pretax return on assets | 0.8474% | 3,973 |
| Return on Equity (ROE) | 9.9545% | 2,133 |
| Retained earnings to average equity (ytd only) | 3.1833% | 3,970 |
| Net charge-offs to loans | 0.0286% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 64.9412% | 644 |
| Efficiency ratio | 67.8415% | 4,227 |
| Assets per employee ($millions) | 4.9308% | 2,268 |
| Cash dividends to net income (ytd only)* | 68.0217% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 5,897 |
| Loan loss allowance to noncurrent loans | 361.0063% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 5,919 |
| Noncurrent loans to loans | 0.2515% | 5,431 |
| Net loans and leases to total assets | 47.0537% | 5,386 |
| Net loans and leases to deposits | 55.2685% | 5,372 |
| Net loans and leases to core deposits | 58.2119% | 5,379 |
| Total domestic deposits to total assets | 85.1364% | 3,674 |
| Equity capital to assets | 8.4383% | 5,649 |
| Core capital (leverage) ratio | 8.7530% | 5,357 |
| Tier 1 risk-based capital ratio | 21.7447% | 1,301 |
| Total risk-based capital ratio | 22.8363% | 1,299 |
| Memoranda: | ||
| Average total assets | $130,636,000 | 4,058 |
| Average earning assets | $124,928,800 | 3,951 |
| Average equity | $11,120,600 | 4,611 |
| Average total loans | $59,528,200 | 4,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8274% | 6,555 |
| Cost of funding earning assets | 0.5360% | 3,409 |
| Net interest margin | 2.2913% | 6,593 |
| Noninterest income to average assets | 0.4153% | 4,406 |
| Noninterest expense to average assets | 1.7762% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8266% | 3,221 |
| Return on assets (ROA) | 0.8296% | 3,318 |
| Pretax return on assets | 0.8296% | 4,189 |
| Return on Equity (ROE) | 9.7243% | 2,295 |
| Retained earnings to average equity (ytd only) | 3.2454% | 4,366 |
| Net charge-offs to loans | 0.0523% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 35.0388% | 1,100 |
| Efficiency ratio | 68.2427% | 4,052 |
| Assets per employee ($millions) | 4.9083% | 2,289 |
| Cash dividends to net income (ytd only)* | 66.6256% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 5,971 |
| Loan loss allowance to noncurrent loans | 625.2747% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,151 |
| Noncurrent loans to loans | 0.1489% | 5,874 |
| Net loans and leases to total assets | 45.6778% | 5,579 |
| Net loans and leases to deposits | 53.6906% | 5,564 |
| Net loans and leases to core deposits | 56.5622% | 5,573 |
| Total domestic deposits to total assets | 85.0759% | 3,703 |
| Equity capital to assets | 8.3887% | 5,841 |
| Core capital (leverage) ratio | 8.7671% | 5,458 |
| Tier 1 risk-based capital ratio | 22.1442% | 1,295 |
| Total risk-based capital ratio | 23.2543% | 1,303 |
| Memoranda: | ||
| Average total assets | $130,012,250 | 4,115 |
| Average earning assets | $124,116,250 | 3,999 |
| Average equity | $11,092,250 | 4,669 |
| Average total loans | $58,606,000 | 4,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8298% | 6,591 |
| Cost of funding earning assets | 0.5416% | 3,486 |
| Net interest margin | 2.2881% | 6,629 |
| Noninterest income to average assets | 0.4304% | 4,304 |
| Noninterest expense to average assets | 1.7666% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8485% | 3,052 |
| Return on assets (ROA) | 0.8531% | 3,176 |
| Pretax return on assets | 0.8531% | 4,107 |
| Return on Equity (ROE) | 9.9423% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.5262% | 4,686 |
| Net charge-offs to loans | -0.0173% | 5,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5548% | 4,251 |
| Assets per employee ($millions) | 4.4109% | 2,964 |
| Cash dividends to net income (ytd only)* | 74.5917% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 5,738 |
| Loan loss allowance to noncurrent loans | 669.6629% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 6,165 |
| Noncurrent loans to loans | 0.1523% | 5,942 |
| Net loans and leases to total assets | 45.2242% | 5,615 |
| Net loans and leases to deposits | 52.8398% | 5,616 |
| Net loans and leases to core deposits | 55.7505% | 5,619 |
| Total domestic deposits to total assets | 85.5874% | 3,588 |
| Equity capital to assets | 8.4438% | 5,822 |
| Core capital (leverage) ratio | 8.5165% | 5,651 |
| Tier 1 risk-based capital ratio | 22.9410% | 1,143 |
| Total risk-based capital ratio | 24.1596% | 1,135 |
| Memoranda: | ||
| Average total assets | $129,175,000 | 4,156 |
| Average earning assets | $123,331,330 | 4,046 |
| Average equity | $11,084,000 | 4,706 |
| Average total loans | $57,773,670 | 4,752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 6,671 |
| Cost of funding earning assets | 0.5255% | 3,834 |
| Net interest margin | 2.2868% | 6,693 |
| Noninterest income to average assets | 0.4006% | 4,451 |
| Noninterest expense to average assets | 1.7349% | 6,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8382% | 2,956 |
| Return on assets (ROA) | 0.8382% | 3,100 |
| Pretax return on assets | 0.8382% | 4,006 |
| Return on Equity (ROE) | 9.6922% | 2,198 |
| Retained earnings to average equity (ytd only) | -0.3920% | 5,855 |
| Net charge-offs to loans | -0.0627% | 6,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4251% | 4,429 |
| Assets per employee ($millions) | 4.9443% | 2,292 |
| Cash dividends to net income (ytd only)* | 104.0441% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 5,823 |
| Loan loss allowance to noncurrent loans | 868.1159% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 6,322 |
| Noncurrent loans to loans | 0.1201% | 6,111 |
| Net loans and leases to total assets | 42.5836% | 5,802 |
| Net loans and leases to deposits | 48.2958% | 5,903 |
| Net loans and leases to core deposits | 50.7572% | 5,912 |
| Total domestic deposits to total assets | 88.1726% | 2,214 |
| Equity capital to assets | 8.3981% | 6,105 |
| Core capital (leverage) ratio | 8.7221% | 5,296 |
| Tier 1 risk-based capital ratio | 23.2075% | 1,123 |
| Total risk-based capital ratio | 24.4570% | 1,105 |
| Memoranda: | ||
| Average total assets | $129,804,500 | 4,185 |
| Average earning assets | $123,316,000 | 4,083 |
| Average equity | $11,225,500 | 4,731 |
| Average total loans | $57,438,000 | 4,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 6,723 |
| Cost of funding earning assets | 0.8531% | 2,265 |
| Net interest margin | 2.2541% | 6,860 |
| Noninterest income to average assets | 0.4620% | 4,161 |
| Noninterest expense to average assets | 1.8471% | 6,556 |
| Loan and lease loss provision to assets | 0.0423% | 5,327 |
| Net operating income to assets | 0.7044% | 3,713 |
| Return on assets (ROA) | 0.7450% | 3,776 |
| Pretax return on assets | 0.7450% | 4,496 |
| Return on Equity (ROE) | 8.3227% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.2170% | 4,678 |
| Net charge-offs to loans | -0.0193% | 6,548 |
| Credit loss provision to net charge-offs | -472.7273% | 6,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2135% | 3,589 |
| Assets per employee ($millions) | 4.6709% | 2,676 |
| Cash dividends to net income (ytd only)* | 73.3624% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,859 |
| Loan loss allowance to noncurrent loans | 1,115.0943% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 6,369 |
| Noncurrent loans to loans | 0.0923% | 6,255 |
| Net loans and leases to total assets | 45.0695% | 5,718 |
| Net loans and leases to deposits | 52.2192% | 5,786 |
| Net loans and leases to core deposits | 52.6843% | 5,965 |
| Total domestic deposits to total assets | 86.3084% | 3,197 |
| Equity capital to assets | 8.9126% | 5,617 |
| Core capital (leverage) ratio | 9.1891% | 4,600 |
| Tier 1 risk-based capital ratio | 23.3875% | 1,052 |
| Total risk-based capital ratio | 24.6328% | 1,035 |
| Memoranda: | ||
| Average total assets | $122,947,000 | 4,290 |
| Average earning assets | $116,277,200 | 4,205 |
| Average equity | $11,006,000 | 4,761 |
| Average total loans | $57,051,200 | 4,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 6,849 |
| Cost of funding earning assets | 0.9020% | 2,156 |
| Net interest margin | 2.1997% | 6,992 |
| Noninterest income to average assets | 0.4431% | 4,343 |
| Noninterest expense to average assets | 1.8643% | 6,591 |
| Loan and lease loss provision to assets | 0.0524% | 5,099 |
| Net operating income to assets | 0.6080% | 4,355 |
| Return on assets (ROA) | 0.6080% | 4,611 |
| Pretax return on assets | 0.6080% | 5,138 |
| Return on Equity (ROE) | 6.7837% | 3,918 |
| Retained earnings to average equity (ytd only) | 0.2192% | 6,015 |
| Net charge-offs to loans | -0.0211% | 6,508 |
| Credit loss provision to net charge-offs | -533.3333% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8435% | 3,012 |
| Assets per employee ($millions) | 4.4877% | 2,933 |
| Cash dividends to net income (ytd only)* | 96.7683% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,045 |
| Loan loss allowance to noncurrent loans | 1,126.9231% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 6,654 |
| Noncurrent loans to loans | 0.0895% | 6,392 |
| Net loans and leases to total assets | 47.4762% | 5,610 |
| Net loans and leases to deposits | 55.5780% | 5,671 |
| Net loans and leases to core deposits | 56.0967% | 5,881 |
| Total domestic deposits to total assets | 85.4227% | 3,555 |
| Equity capital to assets | 9.1328% | 5,667 |
| Core capital (leverage) ratio | 9.3027% | 4,581 |
| Tier 1 risk-based capital ratio | 22.4546% | 1,256 |
| Total risk-based capital ratio | 23.7164% | 1,231 |
| Memoranda: | ||
| Average total assets | $122,155,250 | 4,347 |
| Average earning assets | $115,586,000 | 4,257 |
| Average equity | $10,947,500 | 4,817 |
| Average total loans | $56,956,500 | 4,891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1168% | 6,924 |
| Cost of funding earning assets | 0.9427% | 2,100 |
| Net interest margin | 2.1742% | 7,054 |
| Noninterest income to average assets | 0.4131% | 4,557 |
| Noninterest expense to average assets | 1.8239% | 6,724 |
| Loan and lease loss provision to assets | 0.0196% | 5,422 |
| Net operating income to assets | 0.6221% | 4,267 |
| Return on assets (ROA) | 0.6221% | 4,517 |
| Pretax return on assets | 0.6221% | 5,061 |
| Return on Equity (ROE) | 6.9857% | 3,792 |
| Retained earnings to average equity (ytd only) | -0.4950% | 6,121 |
| Net charge-offs to loans | -0.0212% | 6,440 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9735% | 3,082 |
| Assets per employee ($millions) | 4.2756% | 3,301 |
| Cash dividends to net income (ytd only)* | 107.0866% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,319 |
| Loan loss allowance to noncurrent loans | 2,184.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 6,777 |
| Noncurrent loans to loans | 0.0436% | 6,566 |
| Net loans and leases to total assets | 49.2290% | 5,453 |
| Net loans and leases to deposits | 58.3716% | 5,411 |
| Net loans and leases to core deposits | 58.9480% | 5,696 |
| Total domestic deposits to total assets | 84.3373% | 4,171 |
| Equity capital to assets | 9.4958% | 5,067 |
| Core capital (leverage) ratio | 8.8203% | 5,181 |
| Tier 1 risk-based capital ratio | 21.0290% | 1,478 |
| Total risk-based capital ratio | 22.1105% | 1,479 |
| Memoranda: | ||
| Average total assets | $122,484,330 | 4,363 |
| Average earning assets | $115,630,330 | 4,282 |
| Average equity | $10,908,000 | 4,831 |
| Average total loans | $56,571,330 | 4,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 7,013 |
| Cost of funding earning assets | 1.0030% | 1,966 |
| Net interest margin | 2.0805% | 7,136 |
| Noninterest income to average assets | 0.3809% | 4,817 |
| Noninterest expense to average assets | 1.8285% | 6,762 |
| Loan and lease loss provision to assets | 0.0190% | 5,101 |
| Net operating income to assets | 0.4825% | 4,901 |
| Return on assets (ROA) | 0.4825% | 5,099 |
| Pretax return on assets | 0.4825% | 5,480 |
| Return on Equity (ROE) | 5.5877% | 4,509 |
| Retained earnings to average equity (ytd only) | -4.7422% | 6,564 |
| Net charge-offs to loans | -0.0712% | 6,671 |
| Credit loss provision to net charge-offs | -60.0000% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4741% | 2,434 |
| Assets per employee ($millions) | 4.8579% | 2,444 |
| Cash dividends to net income (ytd only)* | 184.8684% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,331 |
| Loan loss allowance to noncurrent loans | 2,720.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 6,811 |
| Noncurrent loans to loans | 0.0359% | 6,672 |
| Net loans and leases to total assets | 42.0713% | 6,187 |
| Net loans and leases to deposits | 49.1617% | 6,208 |
| Net loans and leases to core deposits | 49.5804% | 6,366 |
| Total domestic deposits to total assets | 85.5775% | 3,751 |
| Equity capital to assets | 8.2577% | 6,303 |
| Core capital (leverage) ratio | 8.5336% | 5,536 |
| Tier 1 risk-based capital ratio | 21.6358% | 1,352 |
| Total risk-based capital ratio | 22.7422% | 1,354 |
| Memoranda: | ||
| Average total assets | $126,006,500 | 4,324 |
| Average earning assets | $118,048,500 | 4,251 |
| Average equity | $10,881,000 | 4,845 |
| Average total loans | $56,169,000 | 4,975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 7,028 |
| Cost of funding earning assets | 1.1129% | 2,590 |
| Net interest margin | 2.3250% | 7,135 |
| Noninterest income to average assets | 0.4778% | 4,007 |
| Noninterest expense to average assets | 1.9544% | 6,757 |
| Loan and lease loss provision to assets | 0.0199% | 6,321 |
| Net operating income to assets | 0.7388% | 3,298 |
| Return on assets (ROA) | 0.7396% | 3,467 |
| Pretax return on assets | 0.7396% | 4,193 |
| Return on Equity (ROE) | 7.9334% | 2,944 |
| Retained earnings to average equity (ytd only) | 1.8787% | 4,871 |
| Net charge-offs to loans | 0.1719% | 4,777 |
| Credit loss provision to net charge-offs | 23.9583% | 5,864 |
| Earnings coverage of net charge-offs (x) | 9.1146% | 2,036 |
| Efficiency ratio | 72.0358% | 3,571 |
| Assets per employee ($millions) | 4.6481% | 2,688 |
| Cash dividends to net income (ytd only)* | 76.3189% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,452 |
| Loan loss allowance to noncurrent loans | 2,514.2857% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,858 |
| Noncurrent loans to loans | 0.0371% | 6,734 |
| Net loans and leases to total assets | 46.4079% | 5,979 |
| Net loans and leases to deposits | 55.0518% | 5,973 |
| Net loans and leases to core deposits | 55.7307% | 6,174 |
| Total domestic deposits to total assets | 84.2987% | 4,189 |
| Equity capital to assets | 9.0451% | 5,498 |
| Core capital (leverage) ratio | 9.1127% | 4,595 |
| Tier 1 risk-based capital ratio | 20.6451% | 1,494 |
| Total risk-based capital ratio | 21.6518% | 1,518 |
| Memoranda: | ||
| Average total assets | $115,327,600 | 4,514 |
| Average earning assets | $110,879,800 | 4,374 |
| Average equity | $10,752,000 | 4,841 |
| Average total loans | $55,857,400 | 5,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 7,098 |
| Cost of funding earning assets | 1.1410% | 2,692 |
| Net interest margin | 2.3317% | 7,207 |
| Noninterest income to average assets | 0.4856% | 3,994 |
| Noninterest expense to average assets | 1.9915% | 6,708 |
| Loan and lease loss provision to assets | 0.0199% | 6,190 |
| Net operating income to assets | 0.7196% | 3,509 |
| Return on assets (ROA) | 0.7196% | 3,683 |
| Pretax return on assets | 0.7196% | 4,403 |
| Return on Equity (ROE) | 7.6582% | 3,199 |
| Retained earnings to average equity (ytd only) | 1.1581% | 5,551 |
| Net charge-offs to loans | 0.1629% | 4,481 |
| Credit loss provision to net charge-offs | 25.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 9.2946% | 2,068 |
| Efficiency ratio | 72.9220% | 3,381 |
| Assets per employee ($millions) | 4.6022% | 2,751 |
| Cash dividends to net income (ytd only)* | 84.8777% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,394 |
| Loan loss allowance to noncurrent loans | 696.2025% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 6,633 |
| Noncurrent loans to loans | 0.1390% | 6,594 |
| Net loans and leases to total assets | 47.0328% | 6,051 |
| Net loans and leases to deposits | 56.4383% | 5,989 |
| Net loans and leases to core deposits | 57.1460% | 6,212 |
| Total domestic deposits to total assets | 83.3349% | 4,543 |
| Equity capital to assets | 9.0308% | 5,721 |
| Core capital (leverage) ratio | 9.2660% | 4,513 |
| Tier 1 risk-based capital ratio | 21.3487% | 1,392 |
| Total risk-based capital ratio | 22.4445% | 1,398 |
| Memoranda: | ||
| Average total assets | $113,947,000 | 4,579 |
| Average earning assets | $109,730,000 | 4,423 |
| Average equity | $10,707,250 | 4,865 |
| Average total loans | $55,668,750 | 5,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 7,147 |
| Cost of funding earning assets | 1.1663% | 2,794 |
| Net interest margin | 2.3567% | 7,257 |
| Noninterest income to average assets | 0.4855% | 3,974 |
| Noninterest expense to average assets | 1.9528% | 6,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8050% | 3,048 |
| Return on assets (ROA) | 0.8050% | 3,175 |
| Pretax return on assets | 0.8050% | 4,008 |
| Return on Equity (ROE) | 8.4502% | 2,738 |
| Retained earnings to average equity (ytd only) | 1.0680% | 5,435 |
| Net charge-offs to loans | 0.1737% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.3958% | 1,929 |
| Efficiency ratio | 70.8091% | 3,961 |
| Assets per employee ($millions) | 4.3274% | 3,120 |
| Cash dividends to net income (ytd only)* | 87.3614% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,313 |
| Loan loss allowance to noncurrent loans | 1,176.5957% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,599 |
| Noncurrent loans to loans | 0.0854% | 6,771 |
| Net loans and leases to total assets | 48.4495% | 6,000 |
| Net loans and leases to deposits | 58.8428% | 5,842 |
| Net loans and leases to core deposits | 59.4713% | 6,140 |
| Total domestic deposits to total assets | 82.3372% | 5,049 |
| Equity capital to assets | 9.5696% | 4,709 |
| Core capital (leverage) ratio | 9.2040% | 4,397 |
| Tier 1 risk-based capital ratio | 22.2606% | 1,222 |
| Total risk-based capital ratio | 23.4226% | 1,197 |
| Memoranda: | ||
| Average total assets | $112,043,670 | 4,659 |
| Average earning assets | $108,031,000 | 4,507 |
| Average equity | $10,674,330 | 4,878 |
| Average total loans | $55,282,330 | 5,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4698% | 7,223 |
| Cost of funding earning assets | 1.1814% | 2,935 |
| Net interest margin | 2.2884% | 7,317 |
| Noninterest income to average assets | 0.5617% | 3,421 |
| Noninterest expense to average assets | 1.9820% | 6,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7835% | 3,109 |
| Return on assets (ROA) | 0.7835% | 3,180 |
| Pretax return on assets | 0.7835% | 3,962 |
| Return on Equity (ROE) | 8.2424% | 2,806 |
| Retained earnings to average equity (ytd only) | -1.7689% | 6,113 |
| Net charge-offs to loans | 0.0578% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.3750% | 902 |
| Efficiency ratio | 71.6688% | 3,930 |
| Assets per employee ($millions) | 4.4335% | 3,006 |
| Cash dividends to net income (ytd only)* | 121.4612% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,111 |
| Loan loss allowance to noncurrent loans | 241.4634% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 6,327 |
| Noncurrent loans to loans | 0.4487% | 6,114 |
| Net loans and leases to total assets | 45.3047% | 6,349 |
| Net loans and leases to deposits | 54.2212% | 6,275 |
| Net loans and leases to core deposits | 54.7533% | 6,509 |
| Total domestic deposits to total assets | 83.5554% | 4,674 |
| Equity capital to assets | 8.8693% | 5,394 |
| Core capital (leverage) ratio | 9.1576% | 4,363 |
| Tier 1 risk-based capital ratio | 21.3297% | 1,338 |
| Total risk-based capital ratio | 22.5305% | 1,322 |
| Memoranda: | ||
| Average total assets | $111,809,000 | 4,688 |
| Average earning assets | $107,671,500 | 4,535 |
| Average equity | $10,628,000 | 4,888 |
| Average total loans | $55,391,000 | 5,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 7,153 |
| Cost of funding earning assets | 1.5085% | 2,588 |
| Net interest margin | 2.4700% | 7,287 |
| Noninterest income to average assets | 0.5182% | 4,038 |
| Noninterest expense to average assets | 2.1552% | 6,718 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7323% | 3,089 |
| Return on assets (ROA) | 0.7638% | 3,065 |
| Pretax return on assets | 0.7638% | 3,748 |
| Return on Equity (ROE) | 7.8064% | 2,777 |
| Retained earnings to average equity (ytd only) | 2.1695% | 4,372 |
| Net charge-offs to loans | 0.1561% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 8.8764% | 1,906 |
| Efficiency ratio | 74.6388% | 3,268 |
| Assets per employee ($millions) | 3.9967% | 3,794 |
| Cash dividends to net income (ytd only)* | 72.2087% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,052 |
| Loan loss allowance to noncurrent loans | 235.6863% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,222 |
| Noncurrent loans to loans | 0.4557% | 6,136 |
| Net loans and leases to total assets | 53.2705% | 5,745 |
| Net loans and leases to deposits | 65.7181% | 5,437 |
| Net loans and leases to core deposits | 66.4805% | 5,831 |
| Total domestic deposits to total assets | 81.0592% | 5,507 |
| Equity capital to assets | 10.2384% | 3,454 |
| Core capital (leverage) ratio | 10.0073% | 3,084 |
| Tier 1 risk-based capital ratio | 20.8682% | 1,336 |
| Total risk-based capital ratio | 22.0476% | 1,329 |
| Memoranda: | ||
| Average total assets | $107,880,400 | 4,776 |
| Average earning assets | $103,482,600 | 4,623 |
| Average equity | $10,555,400 | 4,970 |
| Average total loans | $57,007,800 | 5,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 7,308 |
| Cost of funding earning assets | 1.5817% | 2,495 |
| Net interest margin | 2.3853% | 7,446 |
| Noninterest income to average assets | 0.5119% | 4,085 |
| Noninterest expense to average assets | 2.0697% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7287% | 3,287 |
| Return on assets (ROA) | 0.7287% | 3,443 |
| Pretax return on assets | 0.7287% | 4,149 |
| Return on Equity (ROE) | 7.5306% | 3,091 |
| Retained earnings to average equity (ytd only) | 2.6072% | 4,593 |
| Net charge-offs to loans | 0.1141% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.1431% | 1,718 |
| Efficiency ratio | 73.9606% | 3,330 |
| Assets per employee ($millions) | 4.4722% | 2,950 |
| Cash dividends to net income (ytd only)* | 65.3780% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,782 |
| Loan loss allowance to noncurrent loans | 271.6102% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 6,837 |
| Noncurrent loans to loans | 0.4181% | 6,364 |
| Net loans and leases to total assets | 49.9083% | 6,332 |
| Net loans and leases to deposits | 60.6825% | 6,253 |
| Net loans and leases to core deposits | 61.3227% | 6,512 |
| Total domestic deposits to total assets | 82.2450% | 4,893 |
| Equity capital to assets | 9.5881% | 4,715 |
| Core capital (leverage) ratio | 9.6889% | 3,632 |
| Tier 1 risk-based capital ratio | 20.2596% | 1,494 |
| Total risk-based capital ratio | 21.5235% | 1,465 |
| Memoranda: | ||
| Average total assets | $108,872,250 | 4,807 |
| Average earning assets | $104,358,000 | 4,659 |
| Average equity | $10,534,500 | 5,043 |
| Average total loans | $57,270,750 | 5,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 7,364 |
| Cost of funding earning assets | 1.6790% | 2,233 |
| Net interest margin | 2.3180% | 7,522 |
| Noninterest income to average assets | 0.4949% | 4,159 |
| Noninterest expense to average assets | 2.0909% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6228% | 3,768 |
| Return on assets (ROA) | 0.6228% | 3,905 |
| Pretax return on assets | 0.6228% | 4,496 |
| Return on Equity (ROE) | 6.4167% | 3,589 |
| Retained earnings to average equity (ytd only) | 1.4323% | 5,158 |
| Net charge-offs to loans | 0.0730% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,425 |
| Efficiency ratio | 77.0492% | 2,889 |
| Assets per employee ($millions) | 4.1608% | 3,466 |
| Cash dividends to net income (ytd only)* | 77.6786% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,508 |
| Loan loss allowance to noncurrent loans | 274.1803% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 6,834 |
| Noncurrent loans to loans | 0.4338% | 6,372 |
| Net loans and leases to total assets | 51.3736% | 6,276 |
| Net loans and leases to deposits | 63.4893% | 6,090 |
| Net loans and leases to core deposits | 64.1829% | 6,387 |
| Total domestic deposits to total assets | 80.9170% | 5,429 |
| Equity capital to assets | 9.7329% | 4,364 |
| Core capital (leverage) ratio | 9.2690% | 4,176 |
| Tier 1 risk-based capital ratio | 19.8402% | 1,540 |
| Total risk-based capital ratio | 21.0907% | 1,506 |
| Memoranda: | ||
| Average total assets | $107,894,670 | 4,863 |
| Average earning assets | $103,277,330 | 4,713 |
| Average equity | $10,472,670 | 5,069 |
| Average total loans | $57,547,330 | 5,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 7,445 |
| Cost of funding earning assets | 1.7051% | 2,364 |
| Net interest margin | 2.3110% | 7,590 |
| Noninterest income to average assets | 0.4121% | 4,794 |
| Noninterest expense to average assets | 2.0343% | 7,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5865% | 3,954 |
| Return on assets (ROA) | 0.5865% | 4,100 |
| Pretax return on assets | 0.5865% | 4,664 |
| Return on Equity (ROE) | 6.0510% | 3,855 |
| Retained earnings to average equity (ytd only) | 1.1489% | 5,357 |
| Net charge-offs to loans | 0.0069% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 211 |
| Efficiency ratio | 77.6204% | 2,957 |
| Assets per employee ($millions) | 4.2532% | 3,374 |
| Cash dividends to net income (ytd only)* | 81.0127% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,484 |
| Loan loss allowance to noncurrent loans | 207.5301% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,728 |
| Noncurrent loans to loans | 0.5796% | 6,144 |
| Net loans and leases to total assets | 51.1765% | 6,355 |
| Net loans and leases to deposits | 63.8635% | 6,061 |
| Net loans and leases to core deposits | 64.9199% | 6,382 |
| Total domestic deposits to total assets | 80.1342% | 5,739 |
| Equity capital to assets | 9.4663% | 4,587 |
| Core capital (leverage) ratio | 9.5194% | 3,739 |
| Tier 1 risk-based capital ratio | 19.4242% | 1,631 |
| Total risk-based capital ratio | 20.6746% | 1,611 |
| Memoranda: | ||
| Average total assets | $107,752,000 | 4,933 |
| Average earning assets | $102,986,500 | 4,784 |
| Average equity | $10,444,500 | 5,117 |
| Average total loans | $58,198,500 | 5,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 7,225 |
| Cost of funding earning assets | 2.0002% | 2,965 |
| Net interest margin | 2.6359% | 7,299 |
| Noninterest income to average assets | 0.4692% | 4,656 |
| Noninterest expense to average assets | 2.1345% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8468% | 2,361 |
| Return on assets (ROA) | 0.5785% | 3,490 |
| Pretax return on assets | 0.5785% | 3,961 |
| Return on Equity (ROE) | 5.8874% | 3,258 |
| Retained earnings to average equity (ytd only) | 0.6950% | 4,520 |
| Net charge-offs to loans | 0.1072% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 13.1515% | 1,449 |
| Efficiency ratio | 71.5969% | 4,330 |
| Assets per employee ($millions) | 4.0355% | 3,747 |
| Cash dividends to net income (ytd only)* | 88.1956% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,547 |
| Loan loss allowance to noncurrent loans | 442.3077% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 7,103 |
| Noncurrent loans to loans | 0.2639% | 6,768 |
| Net loans and leases to total assets | 55.6852% | 5,999 |
| Net loans and leases to deposits | 70.0216% | 5,601 |
| Net loans and leases to core deposits | 80.2015% | 6,075 |
| Total domestic deposits to total assets | 79.5257% | 5,838 |
| Equity capital to assets | 9.9321% | 3,859 |
| Core capital (leverage) ratio | 10.1637% | 2,933 |
| Tier 1 risk-based capital ratio | 19.8023% | 1,492 |
| Total risk-based capital ratio | 21.0537% | 1,456 |
| Memoranda: | ||
| Average total assets | $102,505,800 | 5,024 |
| Average earning assets | $97,691,400 | 4,902 |
| Average equity | $10,072,400 | 5,277 |
| Average total loans | $61,564,000 | 5,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 7,206 |
| Cost of funding earning assets | 2.0780% | 2,994 |
| Net interest margin | 2.6723% | 7,260 |
| Noninterest income to average assets | 0.4723% | 4,732 |
| Noninterest expense to average assets | 2.0961% | 7,205 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9237% | 2,331 |
| Return on assets (ROA) | 0.6490% | 3,474 |
| Pretax return on assets | 0.6490% | 4,023 |
| Return on Equity (ROE) | 6.6230% | 3,253 |
| Retained earnings to average equity (ytd only) | 1.9495% | 4,240 |
| Net charge-offs to loans | 0.1394% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 10.8621% | 1,910 |
| Efficiency ratio | 69.4107% | 4,712 |
| Assets per employee ($millions) | 3.8232% | 4,144 |
| Cash dividends to net income (ytd only)* | 70.5649% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,360 |
| Loan loss allowance to noncurrent loans | 419.3939% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 7,009 |
| Noncurrent loans to loans | 0.2766% | 6,821 |
| Net loans and leases to total assets | 59.3141% | 5,690 |
| Net loans and leases to deposits | 74.3543% | 5,316 |
| Net loans and leases to core deposits | 86.7556% | 5,791 |
| Total domestic deposits to total assets | 79.7722% | 5,531 |
| Equity capital to assets | 10.4786% | 3,540 |
| Core capital (leverage) ratio | 10.2428% | 3,023 |
| Tier 1 risk-based capital ratio | 19.6435% | 1,628 |
| Total risk-based capital ratio | 20.8949% | 1,587 |
| Memoranda: | ||
| Average total assets | $101,901,750 | 5,069 |
| Average earning assets | $97,143,250 | 4,954 |
| Average equity | $9,985,250 | 5,340 |
| Average total loans | $62,176,000 | 5,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 7,253 |
| Cost of funding earning assets | 2.1207% | 3,184 |
| Net interest margin | 2.6657% | 7,274 |
| Noninterest income to average assets | 0.4555% | 4,814 |
| Noninterest expense to average assets | 2.0519% | 7,373 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9461% | 2,293 |
| Return on assets (ROA) | 0.8079% | 2,921 |
| Pretax return on assets | 0.8079% | 3,645 |
| Return on Equity (ROE) | 8.4335% | 2,597 |
| Retained earnings to average equity (ytd only) | 3.4547% | 3,394 |
| Net charge-offs to loans | 0.1841% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.3793% | 2,272 |
| Efficiency ratio | 68.4416% | 5,081 |
| Assets per employee ($millions) | 3.4776% | 4,869 |
| Cash dividends to net income (ytd only)* | 59.0361% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 5,232 |
| Loan loss allowance to noncurrent loans | 728.1250% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 7,336 |
| Noncurrent loans to loans | 0.1587% | 7,127 |
| Net loans and leases to total assets | 61.3983% | 5,456 |
| Net loans and leases to deposits | 77.9977% | 4,872 |
| Net loans and leases to core deposits | 91.5685% | 5,391 |
| Total domestic deposits to total assets | 78.7181% | 5,893 |
| Equity capital to assets | 10.3672% | 3,550 |
| Core capital (leverage) ratio | 9.6082% | 3,753 |
| Tier 1 risk-based capital ratio | 17.2744% | 2,219 |
| Total risk-based capital ratio | 18.4712% | 2,165 |
| Memoranda: | ||
| Average total assets | $102,734,670 | 5,083 |
| Average earning assets | $97,987,000 | 4,952 |
| Average equity | $9,841,670 | 5,410 |
| Average total loans | $63,017,330 | 5,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 7,553 |
| Cost of funding earning assets | 2.1318% | 3,507 |
| Net interest margin | 2.5360% | 7,458 |
| Noninterest income to average assets | 0.4288% | 4,970 |
| Noninterest expense to average assets | 1.9845% | 7,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8727% | 2,829 |
| Return on assets (ROA) | 0.6489% | 3,988 |
| Pretax return on assets | 0.6489% | 4,593 |
| Return on Equity (ROE) | 7.0407% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,391 |
| Net charge-offs to loans | 0.1991% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.1875% | 2,380 |
| Efficiency ratio | 69.4555% | 4,689 |
| Assets per employee ($millions) | 3.7999% | 4,095 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,042 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 7,448 |
| Noncurrent loans to loans | 0.0465% | 7,407 |
| Net loans and leases to total assets | 57.9862% | 5,941 |
| Net loans and leases to deposits | 71.7843% | 5,770 |
| Net loans and leases to core deposits | 83.4517% | 6,098 |
| Total domestic deposits to total assets | 80.7784% | 5,052 |
| Equity capital to assets | 9.2532% | 5,006 |
| Core capital (leverage) ratio | 9.0546% | 4,616 |
| Tier 1 risk-based capital ratio | 15.7755% | 2,762 |
| Total risk-based capital ratio | 16.9379% | 2,723 |
| Memoranda: | ||
| Average total assets | $105,415,000 | 5,021 |
| Average earning assets | $100,945,500 | 4,888 |
| Average equity | $9,715,000 | 5,471 |
| Average total loans | $64,283,500 | 5,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 6,477 |
| Cost of funding earning assets | 2.6273% | 3,543 |
| Net interest margin | 3.1603% | 6,491 |
| Noninterest income to average assets | 0.4980% | 4,624 |
| Noninterest expense to average assets | 2.0202% | 7,404 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4765% | 1,069 |
| Return on assets (ROA) | 1.1834% | 1,760 |
| Pretax return on assets | 1.1980% | 2,648 |
| Return on Equity (ROE) | 12.4836% | 1,451 |
| Retained earnings to average equity (ytd only) | 3.7174% | 2,821 |
| Net charge-offs to loans | 0.0770% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,215 |
| Efficiency ratio | 57.4862% | 6,778 |
| Assets per employee ($millions) | 4.0167% | 3,480 |
| Cash dividends to net income (ytd only)* | 70.2215% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 4,966 |
| Loan loss allowance to noncurrent loans | 901.1905% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,163 |
| Noncurrent loans to loans | 0.1270% | 7,034 |
| Net loans and leases to total assets | 62.6137% | 5,521 |
| Net loans and leases to deposits | 77.5977% | 5,390 |
| Net loans and leases to core deposits | 89.3025% | 5,864 |
| Total domestic deposits to total assets | 80.6902% | 4,775 |
| Equity capital to assets | 9.1780% | 5,113 |
| Core capital (leverage) ratio | 9.4679% | 4,058 |
| Tier 1 risk-based capital ratio | 14.9843% | 3,055 |
| Total risk-based capital ratio | 16.1670% | 3,004 |
| Memoranda: | ||
| Average total assets | $103,008,800 | 4,961 |
| Average earning assets | $98,313,400 | 4,856 |
| Average equity | $9,764,800 | 5,489 |
| Average total loans | $70,128,400 | 4,861 |