Home > Community Bank of Marshall > Performance and Condition Ratios
Community Bank of Marshall, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 3,226 |
| Cost of funding earning assets | 2.1677% | 1,813 |
| Net interest margin | 2.7541% | 3,550 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 1.9357% | 3,721 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8663% | 2,497 |
| Return on assets (ROA) | 0.8670% | 2,503 |
| Pretax return on assets | 1.0899% | 2,275 |
| Return on Equity (ROE) | 12.0300% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,063 |
| Net charge-offs to loans | -0.0237% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 61.4438% | 3,006 |
| Assets per employee ($millions) | 6.4884% | 2,507 |
| Cash dividends to net income (ytd only)* | 32.1873% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,026 |
| Loan loss allowance to noncurrent loans | 3,364.4444% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,587 |
| Noncurrent loans to loans | 0.0445% | 3,429 |
| Net loans and leases to total assets | 42.6400% | 3,938 |
| Net loans and leases to deposits | 46.8176% | 4,003 |
| Net loans and leases to core deposits | 50.0953% | 4,010 |
| Total domestic deposits to total assets | 91.0800% | 494 |
| Equity capital to assets | 7.1628% | 3,908 |
| Core capital (leverage) ratio | 9.5094% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2673% | 852 |
| Memoranda: | ||
| Average total assets | $231,493,400 | 2,803 |
| Average earning assets | $214,698,200 | 2,805 |
| Average equity | $16,681,200 | 3,204 |
| Average total loans | $96,925,400 | 3,235 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 3,204 |
| Cost of funding earning assets | 2.1808% | 1,786 |
| Net interest margin | 2.7139% | 3,578 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 1.9130% | 3,732 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.8597% | 2,508 |
| Return on assets (ROA) | 0.8601% | 2,525 |
| Pretax return on assets | 1.0916% | 2,270 |
| Return on Equity (ROE) | 11.9200% | 1,638 |
| Retained earnings to average equity (ytd only) | 8.5427% | 1,244 |
| Net charge-offs to loans | -0.0209% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.2495% | 3,030 |
| Assets per employee ($millions) | 6.3855% | 2,594 |
| Cash dividends to net income (ytd only)* | 28.3221% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,095 |
| Loan loss allowance to noncurrent loans | 6,058.3333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,712 |
| Noncurrent loans to loans | 0.0245% | 3,630 |
| Net loans and leases to total assets | 41.9500% | 3,970 |
| Net loans and leases to deposits | 46.0708% | 4,066 |
| Net loans and leases to core deposits | 49.4521% | 4,060 |
| Total domestic deposits to total assets | 91.0600% | 333 |
| Equity capital to assets | 8.1273% | 3,628 |
| Core capital (leverage) ratio | 9.5774% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0701% | 785 |
| Memoranda: | ||
| Average total assets | $230,971,000 | 2,796 |
| Average earning assets | $214,591,500 | 2,798 |
| Average equity | $16,668,750 | 3,212 |
| Average total loans | $95,877,250 | 3,250 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 3,209 |
| Cost of funding earning assets | 2.1804% | 1,702 |
| Net interest margin | 2.6602% | 3,654 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 1.8328% | 3,885 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.8383% | 2,502 |
| Return on assets (ROA) | 0.8403% | 2,508 |
| Pretax return on assets | 1.0867% | 2,247 |
| Return on Equity (ROE) | 12.1500% | 1,575 |
| Retained earnings to average equity (ytd only) | 9.6766% | 957 |
| Net charge-offs to loans | -0.0357% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.3785% | 3,175 |
| Assets per employee ($millions) | 6.4985% | 2,407 |
| Cash dividends to net income (ytd only)* | 20.3704% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,087 |
| Loan loss allowance to noncurrent loans | 14,230.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,783 |
| Noncurrent loans to loans | 0.0105% | 3,710 |
| Net loans and leases to total assets | 40.1100% | 4,035 |
| Net loans and leases to deposits | 43.4950% | 4,129 |
| Net loans and leases to core deposits | 46.8914% | 4,112 |
| Total domestic deposits to total assets | 92.2200% | 235 |
| Equity capital to assets | 6.9922% | 3,945 |
| Core capital (leverage) ratio | 9.3809% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7523% | 815 |
| Memoranda: | ||
| Average total assets | $231,335,000 | 2,793 |
| Average earning assets | $214,642,000 | 2,796 |
| Average equity | $15,997,333 | 3,239 |
| Average total loans | $95,206,667 | 3,259 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 3,126 |
| Cost of funding earning assets | 2.1617% | 1,633 |
| Net interest margin | 2.6539% | 3,647 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 1.9145% | 3,753 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.7551% | 2,664 |
| Return on assets (ROA) | 0.7564% | 2,679 |
| Pretax return on assets | 1.0190% | 2,338 |
| Return on Equity (ROE) | 11.0000% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.9018% | 1,343 |
| Net charge-offs to loans | -0.0042% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.7474% | 2,945 |
| Assets per employee ($millions) | 6.4648% | 2,482 |
| Cash dividends to net income (ytd only)* | 19.0805% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,111 |
| Loan loss allowance to noncurrent loans | 17,225.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,832 |
| Noncurrent loans to loans | 0.0086% | 3,736 |
| Net loans and leases to total assets | 39.2500% | 4,045 |
| Net loans and leases to deposits | 42.4304% | 4,129 |
| Net loans and leases to core deposits | 45.0949% | 4,173 |
| Total domestic deposits to total assets | 92.5000% | 248 |
| Equity capital to assets | 6.7606% | 3,993 |
| Core capital (leverage) ratio | 9.0912% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8438% | 817 |
| Memoranda: | ||
| Average total assets | $230,029,500 | 2,809 |
| Average earning assets | $213,725,500 | 2,808 |
| Average equity | $15,817,000 | 3,262 |
| Average total loans | $95,178,500 | 3,268 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 3,321 |
| Cost of funding earning assets | 1.6513% | 1,567 |
| Net interest margin | 2.7237% | 3,784 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.0270% | 3,562 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8196% | 2,805 |
| Return on assets (ROA) | 0.8276% | 2,761 |
| Pretax return on assets | 1.0191% | 2,622 |
| Return on Equity (ROE) | 13.0600% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.7355% | 1,080 |
| Net charge-offs to loans | -0.0158% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.2048% | 2,705 |
| Assets per employee ($millions) | 6.3147% | 2,543 |
| Cash dividends to net income (ytd only)* | 25.4743% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,472 |
| Loan loss allowance to noncurrent loans | 14,944.4444% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,799 |
| Noncurrent loans to loans | 0.0092% | 3,705 |
| Net loans and leases to total assets | 42.3600% | 3,956 |
| Net loans and leases to deposits | 45.8627% | 4,053 |
| Net loans and leases to core deposits | 48.1272% | 4,119 |
| Total domestic deposits to total assets | 92.3600% | 249 |
| Equity capital to assets | 6.9943% | 3,941 |
| Core capital (leverage) ratio | 9.3363% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9914% | 917 |
| Memoranda: | ||
| Average total assets | $222,945,000 | 2,829 |
| Average earning assets | $206,445,000 | 2,818 |
| Average equity | $14,123,600 | 3,335 |
| Average total loans | $94,684,200 | 3,235 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 3,384 |
| Cost of funding earning assets | 1.5739% | 1,423 |
| Net interest margin | 2.6709% | 3,920 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9899% | 3,618 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8034% | 3,016 |
| Return on assets (ROA) | 0.8131% | 2,972 |
| Pretax return on assets | 1.0025% | 2,857 |
| Return on Equity (ROE) | 13.1900% | 1,864 |
| Retained earnings to average equity (ytd only) | 9.8247% | 1,453 |
| Net charge-offs to loans | -0.0511% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7339% | 2,530 |
| Assets per employee ($millions) | 5.8753% | 2,861 |
| Cash dividends to net income (ytd only)* | 25.4989% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,704 |
| Loan loss allowance to noncurrent loans | 501.1952% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,797 |
| Noncurrent loans to loans | 0.2672% | 2,283 |
| Net loans and leases to total assets | 42.6400% | 3,968 |
| Net loans and leases to deposits | 45.6148% | 4,060 |
| Net loans and leases to core deposits | 47.7289% | 4,088 |
| Total domestic deposits to total assets | 93.4800% | 245 |
| Equity capital to assets | 5.8440% | 4,039 |
| Core capital (leverage) ratio | 9.1689% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5740% | 1,182 |
| Memoranda: | ||
| Average total assets | $221,849,250 | 2,848 |
| Average earning assets | $205,520,000 | 2,838 |
| Average equity | $13,679,500 | 3,361 |
| Average total loans | $93,946,000 | 3,245 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,359 |
| Cost of funding earning assets | 1.4890% | 1,263 |
| Net interest margin | 2.6801% | 4,001 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.0059% | 3,581 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8178% | 3,029 |
| Return on assets (ROA) | 0.8301% | 2,997 |
| Pretax return on assets | 1.0200% | 2,858 |
| Return on Equity (ROE) | 13.2400% | 1,852 |
| Retained earnings to average equity (ytd only) | 9.7825% | 1,473 |
| Net charge-offs to loans | -0.0575% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.4232% | 2,550 |
| Assets per employee ($millions) | 5.6704% | 3,004 |
| Cash dividends to net income (ytd only)* | 26.1057% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 1,908 |
| Loan loss allowance to noncurrent loans | 588.8889% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,881 |
| Noncurrent loans to loans | 0.2218% | 2,378 |
| Net loans and leases to total assets | 41.6400% | 3,981 |
| Net loans and leases to deposits | 44.8155% | 4,073 |
| Net loans and leases to core deposits | 46.7191% | 4,110 |
| Total domestic deposits to total assets | 92.9200% | 262 |
| Equity capital to assets | 6.4786% | 4,000 |
| Core capital (leverage) ratio | 8.9696% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5506% | 1,203 |
| Memoranda: | ||
| Average total assets | $223,336,667 | 2,847 |
| Average earning assets | $206,855,333 | 2,845 |
| Average equity | $14,004,667 | 3,354 |
| Average total loans | $93,944,667 | 3,242 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,357 |
| Cost of funding earning assets | 1.3972% | 1,030 |
| Net interest margin | 2.6537% | 4,144 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.0763% | 3,436 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8065% | 3,177 |
| Return on assets (ROA) | 0.8109% | 3,111 |
| Pretax return on assets | 0.9856% | 3,037 |
| Return on Equity (ROE) | 13.1500% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.5352% | 1,809 |
| Net charge-offs to loans | -0.0382% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3187% | 2,414 |
| Assets per employee ($millions) | 5.9793% | 2,775 |
| Cash dividends to net income (ytd only)* | 27.4725% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,153 |
| Loan loss allowance to noncurrent loans | 595.4315% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 2,942 |
| Noncurrent loans to loans | 0.2142% | 2,403 |
| Net loans and leases to total assets | 39.9600% | 4,044 |
| Net loans and leases to deposits | 42.9135% | 4,133 |
| Net loans and leases to core deposits | 44.5489% | 4,158 |
| Total domestic deposits to total assets | 93.1200% | 290 |
| Equity capital to assets | 6.3430% | 4,087 |
| Core capital (leverage) ratio | 8.6202% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6365% | 1,459 |
| Memoranda: | ||
| Average total assets | $224,432,500 | 2,882 |
| Average earning assets | $207,559,500 | 2,879 |
| Average equity | $13,843,500 | 3,406 |
| Average total loans | $94,260,000 | 3,279 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1294% | 3,943 |
| Cost of funding earning assets | 0.6158% | 840 |
| Net interest margin | 2.5137% | 4,277 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.8331% | 3,965 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8330% | 3,214 |
| Return on assets (ROA) | 0.8149% | 3,205 |
| Pretax return on assets | 1.0055% | 3,060 |
| Return on Equity (ROE) | 12.2000% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.5345% | 998 |
| Net charge-offs to loans | -0.0241% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6471% | 2,546 |
| Assets per employee ($millions) | 5.9906% | 2,775 |
| Cash dividends to net income (ytd only)* | 13.6445% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,450 |
| Loan loss allowance to noncurrent loans | 212.4074% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 1,934 |
| Noncurrent loans to loans | 0.5593% | 1,328 |
| Net loans and leases to total assets | 43.0400% | 3,926 |
| Net loans and leases to deposits | 46.3948% | 4,039 |
| Net loans and leases to core deposits | 47.5603% | 4,073 |
| Total domestic deposits to total assets | 92.7700% | 454 |
| Equity capital to assets | 5.9891% | 4,092 |
| Core capital (leverage) ratio | 8.6814% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7430% | 1,173 |
| Memoranda: | ||
| Average total assets | $205,066,800 | 3,012 |
| Average earning assets | $191,951,600 | 2,993 |
| Average equity | $13,697,800 | 3,504 |
| Average total loans | $87,027,400 | 3,315 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9079% | 4,049 |
| Cost of funding earning assets | 0.4386% | 1,042 |
| Net interest margin | 2.4693% | 4,236 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.8415% | 3,898 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8012% | 3,261 |
| Return on assets (ROA) | 0.7738% | 3,298 |
| Pretax return on assets | 0.9549% | 3,164 |
| Return on Equity (ROE) | 11.2600% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.4563% | 1,495 |
| Net charge-offs to loans | -0.0268% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7306% | 2,448 |
| Assets per employee ($millions) | 6.0009% | 2,757 |
| Cash dividends to net income (ytd only)* | 16.0377% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,998 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 1,223 |
| Noncurrent loans to loans | 1.0165% | 751 |
| Net loans and leases to total assets | 42.9000% | 3,942 |
| Net loans and leases to deposits | 45.9627% | 4,029 |
| Net loans and leases to core deposits | 46.7740% | 4,068 |
| Total domestic deposits to total assets | 93.3300% | 490 |
| Equity capital to assets | 5.1058% | 4,263 |
| Core capital (leverage) ratio | 8.6417% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1521% | 1,147 |
| Memoranda: | ||
| Average total assets | $200,920,250 | 3,061 |
| Average earning assets | $189,088,250 | 3,024 |
| Average equity | $13,803,500 | 3,538 |
| Average total loans | $84,646,500 | 3,360 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 4,026 |
| Cost of funding earning assets | 0.3290% | 1,448 |
| Net interest margin | 2.4433% | 4,173 |
| Noninterest income to average assets | 0.5023% | 2,188 |
| Noninterest expense to average assets | 1.7119% | 4,127 |
| Loan and lease loss provision to assets | 0.0030% | 2,556 |
| Net operating income to assets | 0.8861% | 2,640 |
| Return on assets (ROA) | 0.8540% | 2,736 |
| Pretax return on assets | 1.0580% | 2,549 |
| Return on Equity (ROE) | 11.4671% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.3785% | 1,181 |
| Net charge-offs to loans | -0.0380% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8665% | 3,197 |
| Assets per employee ($millions) | 5.6523% | 3,084 |
| Cash dividends to net income (ytd only)* | 18.2135% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,173 |
| Loan loss allowance to noncurrent loans | 149.2558% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,539 |
| Noncurrent loans to loans | 0.8736% | 973 |
| Net loans and leases to total assets | 41.0278% | 4,030 |
| Net loans and leases to deposits | 45.0946% | 4,065 |
| Net loans and leases to core deposits | 45.8878% | 4,125 |
| Total domestic deposits to total assets | 90.9816% | 1,254 |
| Equity capital to assets | 6.0943% | 4,178 |
| Core capital (leverage) ratio | 8.5716% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4129% | 1,096 |
| Memoranda: | ||
| Average total assets | $201,883,667 | 3,083 |
| Average earning assets | $190,890,667 | 3,058 |
| Average equity | $15,034,333 | 3,484 |
| Average total loans | $84,170,000 | 3,398 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6352% | 4,059 |
| Cost of funding earning assets | 0.3042% | 1,618 |
| Net interest margin | 2.3309% | 4,185 |
| Noninterest income to average assets | 0.5033% | 2,124 |
| Noninterest expense to average assets | 1.7804% | 3,989 |
| Loan and lease loss provision to assets | 0.0020% | 2,260 |
| Net operating income to assets | 0.7651% | 2,797 |
| Return on assets (ROA) | 0.7619% | 2,799 |
| Pretax return on assets | 0.9270% | 2,674 |
| Return on Equity (ROE) | 9.3695% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.6600% | 1,380 |
| Net charge-offs to loans | -0.0286% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6158% | 2,815 |
| Assets per employee ($millions) | 5.7689% | 3,040 |
| Cash dividends to net income (ytd only)* | 7.5718% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.3392% | 4,051 |
| Net loans and leases to deposits | 42.5069% | 4,142 |
| Net loans and leases to core deposits | 43.2438% | 4,188 |
| Total domestic deposits to total assets | 92.5477% | 393 |
| Equity capital to assets | 7.0290% | 4,200 |
| Core capital (leverage) ratio | 8.3999% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8624% | 1,066 |
| Memoranda: | ||
| Average total assets | $201,083,500 | 3,094 |
| Average earning assets | $190,652,000 | 3,075 |
| Average equity | $16,351,000 | 3,444 |
| Average total loans | $83,961,000 | 3,405 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9281% | 4,009 |
| Cost of funding earning assets | 0.3955% | 1,575 |
| Net interest margin | 2.5326% | 4,146 |
| Noninterest income to average assets | 0.5692% | 2,282 |
| Noninterest expense to average assets | 1.7101% | 4,282 |
| Loan and lease loss provision to assets | 0.0278% | 2,500 |
| Net operating income to assets | 0.9960% | 2,689 |
| Return on assets (ROA) | 0.9993% | 2,738 |
| Pretax return on assets | 1.2396% | 2,554 |
| Return on Equity (ROE) | 10.4505% | 2,369 |
| Retained earnings to average equity (ytd only) | -2.4499% | 4,642 |
| Net charge-offs to loans | -0.0319% | 4,150 |
| Credit loss provision to net charge-offs | -203.7037% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5123% | 3,518 |
| Assets per employee ($millions) | 5.5567% | 3,209 |
| Cash dividends to net income (ytd only)* | 123.4430% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.2124% | 3,894 |
| Net loans and leases to deposits | 48.1136% | 3,987 |
| Net loans and leases to core deposits | 48.8230% | 4,063 |
| Total domestic deposits to total assets | 89.8131% | 1,059 |
| Equity capital to assets | 9.3086% | 3,313 |
| Core capital (leverage) ratio | 8.8217% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1968% | 1,007 |
| Memoranda: | ||
| Average total assets | $197,646,000 | 3,083 |
| Average earning assets | $187,632,200 | 3,046 |
| Average equity | $18,898,600 | 3,311 |
| Average total loans | $84,628,200 | 3,406 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0228% | 3,963 |
| Cost of funding earning assets | 0.4138% | 1,597 |
| Net interest margin | 2.6090% | 4,115 |
| Noninterest income to average assets | 0.5342% | 2,480 |
| Noninterest expense to average assets | 1.6462% | 4,406 |
| Loan and lease loss provision to assets | 0.0237% | 2,521 |
| Net operating income to assets | 1.0812% | 2,620 |
| Return on assets (ROA) | 1.0845% | 2,669 |
| Pretax return on assets | 1.3465% | 2,496 |
| Return on Equity (ROE) | 11.2684% | 2,284 |
| Retained earnings to average equity (ytd only) | 0.6144% | 4,482 |
| Net charge-offs to loans | -0.0347% | 4,198 |
| Credit loss provision to net charge-offs | -159.0909% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6509% | 3,708 |
| Assets per employee ($millions) | 5.3666% | 3,333 |
| Cash dividends to net income (ytd only)* | 94.5477% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,348 |
| Loan loss allowance to noncurrent loans | 212.4000% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,477 |
| Noncurrent loans to loans | 0.6256% | 1,743 |
| Net loans and leases to total assets | 40.8201% | 4,162 |
| Net loans and leases to deposits | 45.7676% | 4,241 |
| Net loans and leases to core deposits | 46.5239% | 4,301 |
| Total domestic deposits to total assets | 89.1899% | 1,174 |
| Equity capital to assets | 9.8789% | 3,018 |
| Core capital (leverage) ratio | 8.8055% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2792% | 910 |
| Memoranda: | ||
| Average total assets | $198,436,000 | 3,113 |
| Average earning assets | $188,474,500 | 3,082 |
| Average equity | $19,097,250 | 3,335 |
| Average total loans | $84,503,000 | 3,457 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 3,964 |
| Cost of funding earning assets | 0.4249% | 1,697 |
| Net interest margin | 2.6211% | 4,130 |
| Noninterest income to average assets | 0.5515% | 2,397 |
| Noninterest expense to average assets | 1.5926% | 4,520 |
| Loan and lease loss provision to assets | 0.0180% | 2,602 |
| Net operating income to assets | 1.1489% | 2,373 |
| Return on assets (ROA) | 1.1530% | 2,414 |
| Pretax return on assets | 1.4297% | 2,242 |
| Return on Equity (ROE) | 12.0831% | 2,023 |
| Retained earnings to average equity (ytd only) | 2.9632% | 3,849 |
| Net charge-offs to loans | -0.0139% | 3,819 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4687% | 3,994 |
| Assets per employee ($millions) | 5.8298% | 2,785 |
| Cash dividends to net income (ytd only)* | 75.4766% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 40.1242% | 4,282 |
| Net loans and leases to deposits | 44.5649% | 4,366 |
| Net loans and leases to core deposits | 45.3451% | 4,417 |
| Total domestic deposits to total assets | 90.0355% | 760 |
| Equity capital to assets | 9.4161% | 3,412 |
| Core capital (leverage) ratio | 8.9024% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2477% | 923 |
| Memoranda: | ||
| Average total assets | $200,181,667 | 3,098 |
| Average earning assets | $189,691,000 | 3,069 |
| Average equity | $19,101,000 | 3,330 |
| Average total loans | $86,028,667 | 3,456 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6535% | 4,525 |
| Cost of funding earning assets | 0.4576% | 1,665 |
| Net interest margin | 2.1959% | 4,613 |
| Noninterest income to average assets | 0.5912% | 2,246 |
| Noninterest expense to average assets | 1.6202% | 4,506 |
| Loan and lease loss provision to assets | 0.0020% | 2,722 |
| Net operating income to assets | 0.8590% | 3,239 |
| Return on assets (ROA) | 0.8857% | 3,246 |
| Pretax return on assets | 1.0734% | 3,181 |
| Return on Equity (ROE) | 9.2203% | 2,956 |
| Retained earnings to average equity (ytd only) | -1.0081% | 4,467 |
| Net charge-offs to loans | 0.0046% | 1,749 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 184 |
| Efficiency ratio | 60.8333% | 2,933 |
| Assets per employee ($millions) | 6.1585% | 2,447 |
| Cash dividends to net income (ytd only)* | 110.9339% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.2577% | 4,162 |
| Net loans and leases to deposits | 47.9532% | 4,266 |
| Net loans and leases to core deposits | 48.6282% | 4,351 |
| Total domestic deposits to total assets | 90.2082% | 721 |
| Equity capital to assets | 9.1600% | 3,535 |
| Core capital (leverage) ratio | 8.8254% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3223% | 1,214 |
| Memoranda: | ||
| Average total assets | $198,250,500 | 3,105 |
| Average earning assets | $187,074,500 | 3,078 |
| Average equity | $19,045,000 | 3,324 |
| Average total loans | $87,593,000 | 3,446 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3169% | 4,306 |
| Cost of funding earning assets | 0.6426% | 2,044 |
| Net interest margin | 2.6744% | 4,411 |
| Noninterest income to average assets | 0.6283% | 2,104 |
| Noninterest expense to average assets | 1.8277% | 4,430 |
| Loan and lease loss provision to assets | 0.0998% | 3,089 |
| Net operating income to assets | 0.9902% | 2,332 |
| Return on assets (ROA) | 1.0081% | 2,408 |
| Pretax return on assets | 1.2418% | 2,183 |
| Return on Equity (ROE) | 9.5730% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.3978% | 4,397 |
| Net charge-offs to loans | -0.0157% | 4,365 |
| Credit loss provision to net charge-offs | -1,392.3077% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0736% | 3,715 |
| Assets per employee ($millions) | 5.6844% | 2,644 |
| Cash dividends to net income (ytd only)* | 95.8447% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,133 |
| Loan loss allowance to noncurrent loans | 2,871.4286% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,308 |
| Noncurrent loans to loans | 0.0406% | 4,137 |
| Net loans and leases to total assets | 44.1160% | 4,238 |
| Net loans and leases to deposits | 49.4003% | 4,339 |
| Net loans and leases to core deposits | 50.2159% | 4,412 |
| Total domestic deposits to total assets | 89.3030% | 855 |
| Equity capital to assets | 10.0761% | 3,057 |
| Core capital (leverage) ratio | 9.6038% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6207% | 1,120 |
| Memoranda: | ||
| Average total assets | $181,433,800 | 3,090 |
| Average earning assets | $170,880,800 | 3,063 |
| Average equity | $19,105,800 | 3,270 |
| Average total loans | $82,888,600 | 3,509 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2582% | 4,529 |
| Cost of funding earning assets | 0.6803% | 2,142 |
| Net interest margin | 2.5779% | 4,591 |
| Noninterest income to average assets | 0.7104% | 1,764 |
| Noninterest expense to average assets | 1.8826% | 4,360 |
| Loan and lease loss provision to assets | 0.0678% | 3,482 |
| Net operating income to assets | 0.9386% | 2,569 |
| Return on assets (ROA) | 0.9622% | 2,615 |
| Pretax return on assets | 1.2244% | 2,304 |
| Return on Equity (ROE) | 9.0318% | 2,385 |
| Retained earnings to average equity (ytd only) | -0.7994% | 4,593 |
| Net charge-offs to loans | -0.0081% | 4,173 |
| Credit loss provision to net charge-offs | -1,820.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8575% | 3,407 |
| Assets per employee ($millions) | 5.6745% | 2,559 |
| Cash dividends to net income (ytd only)* | 108.8509% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,755 |
| Loan loss allowance to noncurrent loans | 359.9206% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,752 |
| Noncurrent loans to loans | 0.2742% | 3,312 |
| Net loans and leases to total assets | 48.5897% | 4,181 |
| Net loans and leases to deposits | 57.0535% | 4,210 |
| Net loans and leases to core deposits | 58.2811% | 4,289 |
| Total domestic deposits to total assets | 85.1650% | 2,372 |
| Equity capital to assets | 10.2926% | 2,970 |
| Core capital (leverage) ratio | 9.5383% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3765% | 1,165 |
| Memoranda: | ||
| Average total assets | $178,474,750 | 3,103 |
| Average earning assets | $168,556,750 | 3,070 |
| Average equity | $19,013,750 | 3,278 |
| Average total loans | $82,043,750 | 3,540 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3898% | 4,548 |
| Cost of funding earning assets | 0.7361% | 2,195 |
| Net interest margin | 2.6538% | 4,608 |
| Noninterest income to average assets | 1.0744% | 865 |
| Noninterest expense to average assets | 1.9015% | 4,419 |
| Loan and lease loss provision to assets | 0.0661% | 3,468 |
| Net operating income to assets | 1.2897% | 1,385 |
| Return on assets (ROA) | 1.3261% | 1,387 |
| Pretax return on assets | 1.6497% | 1,104 |
| Return on Equity (ROE) | 12.2286% | 1,278 |
| Retained earnings to average equity (ytd only) | 3.9291% | 2,946 |
| Net charge-offs to loans | 0.0025% | 2,915 |
| Credit loss provision to net charge-offs | 5,800.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 1,466.0000% | 54 |
| Efficiency ratio | 53.2376% | 4,257 |
| Assets per employee ($millions) | 5.3332% | 2,794 |
| Cash dividends to net income (ytd only)* | 67.8694% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,620 |
| Loan loss allowance to noncurrent loans | 336.4341% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,804 |
| Noncurrent loans to loans | 0.2945% | 3,328 |
| Net loans and leases to total assets | 47.8299% | 4,268 |
| Net loans and leases to deposits | 54.1160% | 4,375 |
| Net loans and leases to core deposits | 55.4980% | 4,448 |
| Total domestic deposits to total assets | 88.3840% | 997 |
| Equity capital to assets | 10.8770% | 2,443 |
| Core capital (leverage) ratio | 10.1285% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8645% | 928 |
| Memoranda: | ||
| Average total assets | $175,546,333 | 3,115 |
| Average earning assets | $165,199,667 | 3,089 |
| Average equity | $19,037,333 | 3,264 |
| Average total loans | $78,759,667 | 3,601 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 4,523 |
| Cost of funding earning assets | 0.8317% | 2,217 |
| Net interest margin | 2.7675% | 4,601 |
| Noninterest income to average assets | 0.6973% | 1,659 |
| Noninterest expense to average assets | 1.8534% | 4,604 |
| Loan and lease loss provision to assets | 0.0672% | 2,921 |
| Net operating income to assets | 1.1213% | 1,780 |
| Return on assets (ROA) | 1.1213% | 1,878 |
| Pretax return on assets | 1.3669% | 1,663 |
| Return on Equity (ROE) | 10.3560% | 1,625 |
| Retained earnings to average equity (ytd only) | 2.7816% | 3,165 |
| Net charge-offs to loans | 0.0592% | 1,417 |
| Credit loss provision to net charge-offs | 263.6364% | 1,256 |
| Earnings coverage of net charge-offs (x) | 56.2727% | 834 |
| Efficiency ratio | 56.3777% | 4,176 |
| Assets per employee ($millions) | 5.2699% | 2,356 |
| Cash dividends to net income (ytd only)* | 73.1405% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,008 |
| Loan loss allowance to noncurrent loans | 496.4072% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 4,127 |
| Noncurrent loans to loans | 0.2290% | 3,668 |
| Net loans and leases to total assets | 42.7478% | 4,563 |
| Net loans and leases to deposits | 49.7728% | 4,599 |
| Net loans and leases to core deposits | 51.1749% | 4,649 |
| Total domestic deposits to total assets | 85.8857% | 2,041 |
| Equity capital to assets | 11.2134% | 2,663 |
| Core capital (leverage) ratio | 10.6033% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5209% | 694 |
| Memoranda: | ||
| Average total assets | $172,655,500 | 3,109 |
| Average earning assets | $161,592,500 | 3,096 |
| Average equity | $18,694,500 | 3,305 |
| Average total loans | $74,341,000 | 3,679 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,576 |
| Cost of funding earning assets | 0.8174% | 2,601 |
| Net interest margin | 2.9723% | 4,550 |
| Noninterest income to average assets | 0.7064% | 1,795 |
| Noninterest expense to average assets | 2.1373% | 4,294 |
| Loan and lease loss provision to assets | 0.0439% | 3,133 |
| Net operating income to assets | 1.0405% | 2,695 |
| Return on assets (ROA) | 1.0269% | 2,839 |
| Pretax return on assets | 1.2797% | 2,575 |
| Return on Equity (ROE) | 9.0937% | 2,710 |
| Retained earnings to average equity (ytd only) | 0.8333% | 4,444 |
| Net charge-offs to loans | -0.0357% | 4,748 |
| Credit loss provision to net charge-offs | -280.0000% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4538% | 3,464 |
| Assets per employee ($millions) | 5.0478% | 2,529 |
| Cash dividends to net income (ytd only)* | 90.8369% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,106 |
| Loan loss allowance to noncurrent loans | 5,406.6667% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,633 |
| Noncurrent loans to loans | 0.0198% | 4,489 |
| Net loans and leases to total assets | 42.4247% | 4,665 |
| Net loans and leases to deposits | 47.6828% | 4,749 |
| Net loans and leases to core deposits | 48.7963% | 4,776 |
| Total domestic deposits to total assets | 88.9728% | 683 |
| Equity capital to assets | 10.4594% | 3,490 |
| Core capital (leverage) ratio | 11.0584% | 2,453 |
| Tier 1 risk-based capital ratio | 17.4544% | 1,908 |
| Total risk-based capital ratio | 18.2501% | 1,997 |
| Memoranda: | ||
| Average total assets | $159,408,000 | 3,205 |
| Average earning assets | $148,637,000 | 3,190 |
| Average equity | $18,001,400 | 3,342 |
| Average total loans | $70,126,000 | 3,777 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8325% | 4,633 |
| Cost of funding earning assets | 0.8211% | 2,611 |
| Net interest margin | 3.0114% | 4,606 |
| Noninterest income to average assets | 0.7453% | 1,607 |
| Noninterest expense to average assets | 2.1647% | 4,244 |
| Loan and lease loss provision to assets | 0.0464% | 2,972 |
| Net operating income to assets | 1.0882% | 2,619 |
| Return on assets (ROA) | 1.0695% | 2,777 |
| Pretax return on assets | 1.3265% | 2,578 |
| Return on Equity (ROE) | 9.2754% | 2,770 |
| Retained earnings to average equity (ytd only) | 1.1781% | 4,520 |
| Net charge-offs to loans | -0.0291% | 4,692 |
| Credit loss provision to net charge-offs | -360.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7919% | 3,504 |
| Assets per employee ($millions) | 4.6375% | 2,995 |
| Cash dividends to net income (ytd only)* | 87.2986% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 2,962 |
| Loan loss allowance to noncurrent loans | 541.3793% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,239 |
| Noncurrent loans to loans | 0.2055% | 3,805 |
| Net loans and leases to total assets | 45.5867% | 4,628 |
| Net loans and leases to deposits | 52.2753% | 4,697 |
| Net loans and leases to core deposits | 53.8049% | 4,751 |
| Total domestic deposits to total assets | 87.2051% | 1,424 |
| Equity capital to assets | 12.1257% | 2,164 |
| Core capital (leverage) ratio | 11.6874% | 2,090 |
| Tier 1 risk-based capital ratio | 20.7071% | 1,231 |
| Total risk-based capital ratio | 21.6188% | 1,272 |
| Memoranda: | ||
| Average total assets | $155,091,750 | 3,272 |
| Average earning assets | $145,003,000 | 3,254 |
| Average equity | $17,882,000 | 3,375 |
| Average total loans | $68,716,500 | 3,838 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,735 |
| Cost of funding earning assets | 0.7880% | 2,702 |
| Net interest margin | 2.9941% | 4,706 |
| Noninterest income to average assets | 0.6933% | 1,744 |
| Noninterest expense to average assets | 2.1672% | 4,302 |
| Loan and lease loss provision to assets | 0.0449% | 2,923 |
| Net operating income to assets | 0.9992% | 2,926 |
| Return on assets (ROA) | 1.0245% | 2,910 |
| Pretax return on assets | 1.3134% | 2,510 |
| Return on Equity (ROE) | 9.0389% | 2,839 |
| Retained earnings to average equity (ytd only) | 0.2379% | 4,629 |
| Net charge-offs to loans | -0.0294% | 4,672 |
| Credit loss provision to net charge-offs | -350.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0360% | 3,426 |
| Assets per employee ($millions) | 4.5290% | 3,094 |
| Cash dividends to net income (ytd only)* | 97.3684% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 2,978 |
| Loan loss allowance to noncurrent loans | 15,220.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,807 |
| Noncurrent loans to loans | 0.0073% | 4,696 |
| Net loans and leases to total assets | 45.0190% | 4,680 |
| Net loans and leases to deposits | 52.0992% | 4,737 |
| Net loans and leases to core deposits | 53.5790% | 4,792 |
| Total domestic deposits to total assets | 86.4101% | 1,851 |
| Equity capital to assets | 12.2222% | 2,039 |
| Core capital (leverage) ratio | 11.7695% | 1,971 |
| Tier 1 risk-based capital ratio | 21.8401% | 1,073 |
| Total risk-based capital ratio | 22.7819% | 1,093 |
| Memoranda: | ||
| Average total assets | $155,776,330 | 3,285 |
| Average earning assets | $145,685,670 | 3,266 |
| Average equity | $17,657,000 | 3,397 |
| Average total loans | $68,105,330 | 3,875 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,812 |
| Cost of funding earning assets | 0.7576% | 2,753 |
| Net interest margin | 2.9656% | 4,794 |
| Noninterest income to average assets | 0.6820% | 1,675 |
| Noninterest expense to average assets | 1.9807% | 4,678 |
| Loan and lease loss provision to assets | 0.0428% | 2,781 |
| Net operating income to assets | 1.0989% | 2,476 |
| Return on assets (ROA) | 1.1426% | 2,350 |
| Pretax return on assets | 1.4824% | 1,832 |
| Return on Equity (ROE) | 10.4657% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.9825% | 4,070 |
| Net charge-offs to loans | -0.0352% | 4,707 |
| Credit loss provision to net charge-offs | -283.3333% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4034% | 4,154 |
| Assets per employee ($millions) | 4.4110% | 3,311 |
| Cash dividends to net income (ytd only)* | 81.0573% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,104 |
| Loan loss allowance to noncurrent loans | 3,695.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,808 |
| Noncurrent loans to loans | 0.0299% | 4,643 |
| Net loans and leases to total assets | 42.8584% | 4,795 |
| Net loans and leases to deposits | 48.7551% | 4,860 |
| Net loans and leases to core deposits | 49.9668% | 4,891 |
| Total domestic deposits to total assets | 87.9056% | 1,386 |
| Equity capital to assets | 11.4920% | 2,407 |
| Core capital (leverage) ratio | 11.2345% | 2,355 |
| Tier 1 risk-based capital ratio | 20.8261% | 1,192 |
| Total risk-based capital ratio | 21.7047% | 1,233 |
| Memoranda: | ||
| Average total assets | $158,936,000 | 3,305 |
| Average earning assets | $148,370,000 | 3,285 |
| Average equity | $17,352,000 | 3,444 |
| Average total loans | $68,135,500 | 3,915 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,014 |
| Cost of funding earning assets | 0.6164% | 2,608 |
| Net interest margin | 2.7750% | 5,044 |
| Noninterest income to average assets | 0.6819% | 1,925 |
| Noninterest expense to average assets | 2.0515% | 4,651 |
| Loan and lease loss provision to assets | 0.0465% | 3,253 |
| Net operating income to assets | 0.9577% | 3,188 |
| Return on assets (ROA) | 0.9640% | 3,162 |
| Pretax return on assets | 1.1798% | 2,966 |
| Return on Equity (ROE) | 9.2052% | 2,883 |
| Retained earnings to average equity (ytd only) | 6.5725% | 1,883 |
| Net charge-offs to loans | -0.0405% | 4,901 |
| Credit loss provision to net charge-offs | -270.3704% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7336% | 3,399 |
| Assets per employee ($millions) | 4.6711% | 2,924 |
| Cash dividends to net income (ytd only)* | 28.5997% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,487 |
| Loan loss allowance to noncurrent loans | 35,800.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,927 |
| Noncurrent loans to loans | 0.0029% | 4,813 |
| Net loans and leases to total assets | 41.9905% | 4,880 |
| Net loans and leases to deposits | 47.1054% | 4,953 |
| Net loans and leases to core deposits | 48.1893% | 4,987 |
| Total domestic deposits to total assets | 89.1416% | 802 |
| Equity capital to assets | 10.3751% | 3,305 |
| Core capital (leverage) ratio | 11.4411% | 2,147 |
| Tier 1 risk-based capital ratio | 18.9552% | 1,525 |
| Total risk-based capital ratio | 19.7443% | 1,573 |
| Memoranda: | ||
| Average total assets | $157,057,200 | 3,316 |
| Average earning assets | $146,485,800 | 3,295 |
| Average equity | $16,447,200 | 3,466 |
| Average total loans | $66,694,800 | 3,944 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,078 |
| Cost of funding earning assets | 0.6113% | 2,397 |
| Net interest margin | 2.7455% | 5,131 |
| Noninterest income to average assets | 0.6510% | 2,065 |
| Noninterest expense to average assets | 2.0388% | 4,666 |
| Loan and lease loss provision to assets | 0.0455% | 3,080 |
| Net operating income to assets | 0.9392% | 3,355 |
| Return on assets (ROA) | 0.9478% | 3,323 |
| Pretax return on assets | 1.1425% | 3,230 |
| Return on Equity (ROE) | 9.0284% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.5218% | 1,409 |
| Net charge-offs to loans | -0.0384% | 4,838 |
| Credit loss provision to net charge-offs | -278.9474% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3867% | 3,280 |
| Assets per employee ($millions) | 4.2268% | 3,534 |
| Cash dividends to net income (ytd only)* | 5.6105% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 45.1459% | 4,833 |
| Net loans and leases to deposits | 51.1390% | 4,913 |
| Net loans and leases to core deposits | 52.3298% | 4,960 |
| Total domestic deposits to total assets | 88.2809% | 1,125 |
| Equity capital to assets | 11.1263% | 2,539 |
| Core capital (leverage) ratio | 11.3300% | 2,307 |
| Tier 1 risk-based capital ratio | 21.1026% | 1,170 |
| Total risk-based capital ratio | 21.9561% | 1,202 |
| Memoranda: | ||
| Average total assets | $155,449,750 | 3,355 |
| Average earning assets | $145,253,500 | 3,339 |
| Average equity | $16,318,500 | 3,501 |
| Average total loans | $66,027,250 | 3,996 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 5,194 |
| Cost of funding earning assets | 0.5846% | 2,333 |
| Net interest margin | 2.6516% | 5,250 |
| Noninterest income to average assets | 0.6128% | 2,254 |
| Noninterest expense to average assets | 2.0297% | 4,749 |
| Loan and lease loss provision to assets | 0.0431% | 3,039 |
| Net operating income to assets | 0.8708% | 3,580 |
| Return on assets (ROA) | 0.8762% | 3,558 |
| Pretax return on assets | 1.0218% | 3,596 |
| Return on Equity (ROE) | 8.5058% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,643 |
| Net charge-offs to loans | -0.0366% | 4,811 |
| Credit loss provision to net charge-offs | -283.3333% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7237% | 3,028 |
| Assets per employee ($millions) | 4.4333% | 3,231 |
| Cash dividends to net income (ytd only)* | 6.0694% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 43.0262% | 4,949 |
| Net loans and leases to deposits | 49.9562% | 4,983 |
| Net loans and leases to core deposits | 50.8481% | 5,024 |
| Total domestic deposits to total assets | 86.1278% | 2,221 |
| Equity capital to assets | 10.5184% | 3,092 |
| Core capital (leverage) ratio | 10.7767% | 2,729 |
| Tier 1 risk-based capital ratio | 20.3738% | 1,261 |
| Total risk-based capital ratio | 21.1808% | 1,303 |
| Memoranda: | ||
| Average total assets | $157,953,670 | 3,342 |
| Average earning assets | $147,456,330 | 3,328 |
| Average equity | $16,271,330 | 3,523 |
| Average total loans | $65,544,330 | 4,031 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 5,306 |
| Cost of funding earning assets | 0.5624% | 2,300 |
| Net interest margin | 2.5485% | 5,356 |
| Noninterest income to average assets | 0.6225% | 2,161 |
| Noninterest expense to average assets | 1.9730% | 4,902 |
| Loan and lease loss provision to assets | 0.0452% | 2,864 |
| Net operating income to assets | 0.9037% | 3,271 |
| Return on assets (ROA) | 0.9037% | 3,277 |
| Pretax return on assets | 0.9815% | 3,596 |
| Return on Equity (ROE) | 8.8634% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.3464% | 1,712 |
| Net charge-offs to loans | -0.0248% | 4,656 |
| Credit loss provision to net charge-offs | -450.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7741% | 3,213 |
| Assets per employee ($millions) | 4.3982% | 3,325 |
| Cash dividends to net income (ytd only)* | 5.8333% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.2078% | 5,063 |
| Net loans and leases to deposits | 45.0654% | 5,127 |
| Net loans and leases to core deposits | 45.6588% | 5,174 |
| Total domestic deposits to total assets | 89.2210% | 1,000 |
| Equity capital to assets | 10.2435% | 3,345 |
| Core capital (leverage) ratio | 10.5599% | 2,882 |
| Tier 1 risk-based capital ratio | 20.0163% | 1,342 |
| Total risk-based capital ratio | 20.7912% | 1,401 |
| Memoranda: | ||
| Average total assets | $159,347,500 | 3,368 |
| Average earning assets | $148,638,500 | 3,354 |
| Average equity | $16,246,500 | 3,554 |
| Average total loans | $64,604,500 | 4,080 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 5,373 |
| Cost of funding earning assets | 0.4123% | 3,134 |
| Net interest margin | 2.5695% | 5,371 |
| Noninterest income to average assets | 0.6335% | 2,281 |
| Noninterest expense to average assets | 2.0252% | 4,919 |
| Loan and lease loss provision to assets | 0.0226% | 3,848 |
| Net operating income to assets | 0.6719% | 3,723 |
| Return on assets (ROA) | 0.6793% | 3,737 |
| Pretax return on assets | 0.9880% | 3,622 |
| Return on Equity (ROE) | 6.3747% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.7578% | 1,681 |
| Net charge-offs to loans | -0.0594% | 5,231 |
| Credit loss provision to net charge-offs | -91.8919% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9447% | 3,087 |
| Assets per employee ($millions) | 4.7165% | 2,843 |
| Cash dividends to net income (ytd only)* | 9.6774% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.0923% | 5,131 |
| Net loans and leases to deposits | 44.8691% | 5,222 |
| Net loans and leases to core deposits | 45.2895% | 5,260 |
| Total domestic deposits to total assets | 89.3540% | 847 |
| Equity capital to assets | 10.1484% | 3,541 |
| Core capital (leverage) ratio | 10.9924% | 2,346 |
| Tier 1 risk-based capital ratio | 20.4646% | 1,231 |
| Total risk-based capital ratio | 21.2395% | 1,287 |
| Memoranda: | ||
| Average total assets | $150,601,000 | 3,463 |
| Average earning assets | $140,185,400 | 3,449 |
| Average equity | $16,047,800 | 3,585 |
| Average total loans | $62,311,200 | 4,144 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9773% | 5,426 |
| Cost of funding earning assets | 0.3962% | 3,240 |
| Net interest margin | 2.5811% | 5,417 |
| Noninterest income to average assets | 0.6506% | 2,206 |
| Noninterest expense to average assets | 2.0635% | 4,820 |
| Loan and lease loss provision to assets | 0.0288% | 3,549 |
| Net operating income to assets | 0.7282% | 3,828 |
| Return on assets (ROA) | 0.7460% | 3,819 |
| Pretax return on assets | 0.9854% | 3,744 |
| Return on Equity (ROE) | 6.9120% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,012 |
| Net charge-offs to loans | -0.0627% | 5,234 |
| Credit loss provision to net charge-offs | -110.3448% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5604% | 2,952 |
| Assets per employee ($millions) | 4.1024% | 3,824 |
| Cash dividends to net income (ytd only)* | 7.4784% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.9843% | 5,026 |
| Net loans and leases to deposits | 50.0143% | 5,125 |
| Net loans and leases to core deposits | 50.4389% | 5,187 |
| Total domestic deposits to total assets | 87.9436% | 1,395 |
| Equity capital to assets | 11.4812% | 2,399 |
| Core capital (leverage) ratio | 11.1442% | 2,330 |
| Tier 1 risk-based capital ratio | 21.0121% | 1,195 |
| Total risk-based capital ratio | 21.8003% | 1,242 |
| Memoranda: | ||
| Average total assets | $148,161,250 | 3,523 |
| Average earning assets | $137,973,000 | 3,512 |
| Average equity | $15,991,250 | 3,630 |
| Average total loans | $61,662,000 | 4,202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 5,509 |
| Cost of funding earning assets | 0.3746% | 3,344 |
| Net interest margin | 2.5245% | 5,492 |
| Noninterest income to average assets | 0.6280% | 2,325 |
| Noninterest expense to average assets | 2.0042% | 4,970 |
| Loan and lease loss provision to assets | 0.0401% | 3,207 |
| Net operating income to assets | 0.7099% | 3,798 |
| Return on assets (ROA) | 0.7282% | 3,781 |
| Pretax return on assets | 0.9580% | 3,732 |
| Return on Equity (ROE) | 6.8871% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.3690% | 1,923 |
| Net charge-offs to loans | -0.0459% | 5,143 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2948% | 3,133 |
| Assets per employee ($millions) | 4.1794% | 3,662 |
| Cash dividends to net income (ytd only)* | 7.5229% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 4,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 42.0256% | 5,142 |
| Net loans and leases to deposits | 47.5754% | 5,226 |
| Net loans and leases to core deposits | 47.9696% | 5,286 |
| Total domestic deposits to total assets | 88.3347% | 1,285 |
| Equity capital to assets | 11.1232% | 2,680 |
| Core capital (leverage) ratio | 10.9394% | 2,470 |
| Tier 1 risk-based capital ratio | 20.7079% | 1,243 |
| Total risk-based capital ratio | 21.4734% | 1,293 |
| Memoranda: | ||
| Average total assets | $149,687,330 | 3,525 |
| Average earning assets | $139,351,670 | 3,510 |
| Average equity | $15,826,670 | 3,657 |
| Average total loans | $60,962,670 | 4,241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8400% | 5,578 |
| Cost of funding earning assets | 0.3732% | 3,274 |
| Net interest margin | 2.4668% | 5,572 |
| Noninterest income to average assets | 0.6420% | 2,216 |
| Noninterest expense to average assets | 1.9446% | 5,161 |
| Loan and lease loss provision to assets | 0.0449% | 2,900 |
| Net operating income to assets | 0.7307% | 3,556 |
| Return on assets (ROA) | 0.7451% | 3,554 |
| Pretax return on assets | 0.9591% | 3,550 |
| Return on Equity (ROE) | 7.2287% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.6904% | 1,985 |
| Net charge-offs to loans | -0.0861% | 5,401 |
| Credit loss provision to net charge-offs | -130.7692% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3661% | 3,433 |
| Assets per employee ($millions) | 4.0533% | 3,920 |
| Cash dividends to net income (ytd only)* | 7.4468% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 4,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 39.8844% | 5,254 |
| Net loans and leases to deposits | 44.8429% | 5,339 |
| Net loans and leases to core deposits | 45.2021% | 5,383 |
| Total domestic deposits to total assets | 88.9425% | 1,168 |
| Equity capital to assets | 10.5354% | 3,147 |
| Core capital (leverage) ratio | 10.3590% | 3,047 |
| Tier 1 risk-based capital ratio | 20.8561% | 1,237 |
| Total risk-based capital ratio | 21.6275% | 1,290 |
| Memoranda: | ||
| Average total assets | $151,391,000 | 3,539 |
| Average earning assets | $140,423,500 | 3,520 |
| Average equity | $15,604,500 | 3,707 |
| Average total loans | $60,412,000 | 4,289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7733% | 5,658 |
| Cost of funding earning assets | 0.3321% | 3,722 |
| Net interest margin | 2.4412% | 5,614 |
| Noninterest income to average assets | 0.6835% | 2,249 |
| Noninterest expense to average assets | 2.0760% | 5,041 |
| Loan and lease loss provision to assets | 0.0460% | 3,469 |
| Net operating income to assets | 0.6156% | 4,142 |
| Return on assets (ROA) | 0.6156% | 4,260 |
| Pretax return on assets | 0.8366% | 4,062 |
| Return on Equity (ROE) | 5.7856% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.5088% | 3,434 |
| Net charge-offs to loans | -0.0294% | 5,237 |
| Credit loss provision to net charge-offs | -372.2222% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1693% | 2,873 |
| Assets per employee ($millions) | 4.1300% | 3,737 |
| Cash dividends to net income (ytd only)* | 39.3534% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 5,210 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 39.1916% | 5,351 |
| Net loans and leases to deposits | 43.8644% | 5,438 |
| Net loans and leases to core deposits | 44.2073% | 5,479 |
| Total domestic deposits to total assets | 89.3470% | 927 |
| Equity capital to assets | 10.0837% | 3,630 |
| Core capital (leverage) ratio | 10.7492% | 2,594 |
| Tier 1 risk-based capital ratio | 20.3514% | 1,315 |
| Total risk-based capital ratio | 21.0807% | 1,375 |
| Memoranda: | ||
| Average total assets | $145,712,400 | 3,580 |
| Average earning assets | $135,793,600 | 3,558 |
| Average equity | $15,504,000 | 3,753 |
| Average total loans | $61,152,800 | 4,253 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 5,713 |
| Cost of funding earning assets | 0.3333% | 3,742 |
| Net interest margin | 2.4657% | 5,677 |
| Noninterest income to average assets | 0.6910% | 2,210 |
| Noninterest expense to average assets | 2.0851% | 5,033 |
| Loan and lease loss provision to assets | 0.0445% | 3,349 |
| Net operating income to assets | 0.6354% | 4,150 |
| Return on assets (ROA) | 0.6354% | 4,274 |
| Pretax return on assets | 0.8707% | 4,076 |
| Return on Equity (ROE) | 5.8904% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.1856% | 4,005 |
| Net charge-offs to loans | -0.0239% | 5,072 |
| Credit loss provision to net charge-offs | -436.3636% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4968% | 2,967 |
| Assets per employee ($millions) | 4.0953% | 3,796 |
| Cash dividends to net income (ytd only)* | 45.9186% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 5,088 |
| Loan loss allowance to noncurrent loans | 1,265.8537% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,314 |
| Noncurrent loans to loans | 0.0660% | 5,086 |
| Net loans and leases to total assets | 42.9736% | 5,254 |
| Net loans and leases to deposits | 49.8971% | 5,300 |
| Net loans and leases to core deposits | 50.3272% | 5,374 |
| Total domestic deposits to total assets | 86.1243% | 2,295 |
| Equity capital to assets | 11.0083% | 3,002 |
| Core capital (leverage) ratio | 11.0859% | 2,365 |
| Tier 1 risk-based capital ratio | 20.6570% | 1,328 |
| Total risk-based capital ratio | 21.3534% | 1,390 |
| Memoranda: | ||
| Average total assets | $143,937,750 | 3,624 |
| Average earning assets | $134,809,000 | 3,590 |
| Average equity | $15,527,750 | 3,783 |
| Average total loans | $61,332,500 | 4,278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8133% | 5,797 |
| Cost of funding earning assets | 0.3361% | 3,739 |
| Net interest margin | 2.4772% | 5,756 |
| Noninterest income to average assets | 0.6799% | 2,234 |
| Noninterest expense to average assets | 2.1022% | 5,052 |
| Loan and lease loss provision to assets | 0.0458% | 3,232 |
| Net operating income to assets | 0.6216% | 4,178 |
| Return on assets (ROA) | 0.6216% | 4,308 |
| Pretax return on assets | 0.8533% | 4,107 |
| Return on Equity (ROE) | 5.8016% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.2707% | 2,571 |
| Net charge-offs to loans | -0.0393% | 5,258 |
| Credit loss provision to net charge-offs | -275.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0416% | 2,979 |
| Assets per employee ($millions) | 3.7719% | 4,319 |
| Cash dividends to net income (ytd only)* | 9.1518% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 5,130 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 5,512 |
| Noncurrent loans to loans | 0.0336% | 5,335 |
| Net loans and leases to total assets | 42.2536% | 5,327 |
| Net loans and leases to deposits | 47.9466% | 5,420 |
| Net loans and leases to core deposits | 48.3610% | 5,485 |
| Total domestic deposits to total assets | 88.1264% | 1,368 |
| Equity capital to assets | 11.3276% | 2,716 |
| Core capital (leverage) ratio | 11.1062% | 2,323 |
| Tier 1 risk-based capital ratio | 21.5580% | 1,189 |
| Total risk-based capital ratio | 22.2633% | 1,253 |
| Memoranda: | ||
| Average total assets | $144,138,000 | 3,643 |
| Average earning assets | $135,070,670 | 3,610 |
| Average equity | $15,444,000 | 3,807 |
| Average total loans | $61,071,330 | 4,309 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7930% | 5,859 |
| Cost of funding earning assets | 0.3415% | 3,697 |
| Net interest margin | 2.4516% | 5,845 |
| Noninterest income to average assets | 0.5983% | 2,544 |
| Noninterest expense to average assets | 2.0024% | 5,331 |
| Loan and lease loss provision to assets | 0.0410% | 3,102 |
| Net operating income to assets | 0.6338% | 4,042 |
| Return on assets (ROA) | 0.6338% | 4,158 |
| Pretax return on assets | 0.8496% | 4,033 |
| Return on Equity (ROE) | 6.0807% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.5303% | 2,622 |
| Net charge-offs to loans | -0.0711% | 5,506 |
| Credit loss provision to net charge-offs | -136.3636% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2162% | 3,263 |
| Assets per employee ($millions) | 4.0048% | 3,929 |
| Cash dividends to net income (ytd only)* | 9.0517% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 5,371 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,548 |
| Noncurrent loans to loans | 0.0393% | 5,336 |
| Net loans and leases to total assets | 43.2403% | 5,287 |
| Net loans and leases to deposits | 48.8636% | 5,391 |
| Net loans and leases to core deposits | 49.2816% | 5,470 |
| Total domestic deposits to total assets | 88.4917% | 1,361 |
| Equity capital to assets | 11.0068% | 2,929 |
| Core capital (leverage) ratio | 10.3652% | 3,111 |
| Tier 1 risk-based capital ratio | 20.5652% | 1,391 |
| Total risk-based capital ratio | 21.2260% | 1,473 |
| Memoranda: | ||
| Average total assets | $146,426,000 | 3,630 |
| Average earning assets | $137,055,500 | 3,597 |
| Average equity | $15,261,500 | 3,843 |
| Average total loans | $61,869,500 | 4,315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7121% | 5,927 |
| Cost of funding earning assets | 0.3449% | 3,744 |
| Net interest margin | 2.3672% | 5,910 |
| Noninterest income to average assets | 0.7120% | 2,145 |
| Noninterest expense to average assets | 2.0323% | 5,394 |
| Loan and lease loss provision to assets | 0.0795% | 2,693 |
| Net operating income to assets | 0.6295% | 4,143 |
| Return on assets (ROA) | 0.6221% | 4,266 |
| Pretax return on assets | 0.8205% | 4,124 |
| Return on Equity (ROE) | 6.0525% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.6785% | 3,433 |
| Net charge-offs to loans | 0.4541% | 606 |
| Credit loss provision to net charge-offs | 40.9253% | 3,521 |
| Earnings coverage of net charge-offs (x) | 4.6833% | 3,505 |
| Efficiency ratio | 69.0789% | 3,384 |
| Assets per employee ($millions) | 4.4907% | 3,061 |
| Cash dividends to net income (ytd only)* | 39.2222% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 5,573 |
| Loan loss allowance to noncurrent loans | 1,703.7037% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,596 |
| Noncurrent loans to loans | 0.0431% | 5,340 |
| Net loans and leases to total assets | 40.7273% | 5,477 |
| Net loans and leases to deposits | 45.4083% | 5,596 |
| Net loans and leases to core deposits | 45.7595% | 5,659 |
| Total domestic deposits to total assets | 89.6911% | 755 |
| Equity capital to assets | 9.8864% | 4,092 |
| Core capital (leverage) ratio | 10.6087% | 2,816 |
| Tier 1 risk-based capital ratio | 19.5984% | 1,565 |
| Total risk-based capital ratio | 20.2065% | 1,673 |
| Memoranda: | ||
| Average total assets | $144,665,000 | 3,656 |
| Average earning assets | $136,279,600 | 3,592 |
| Average equity | $14,870,000 | 3,857 |
| Average total loans | $61,882,200 | 4,324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7221% | 6,007 |
| Cost of funding earning assets | 0.3500% | 3,754 |
| Net interest margin | 2.3721% | 5,989 |
| Noninterest income to average assets | 0.7626% | 1,969 |
| Noninterest expense to average assets | 2.0589% | 5,366 |
| Loan and lease loss provision to assets | 0.0336% | 3,550 |
| Net operating income to assets | 0.6549% | 4,104 |
| Return on assets (ROA) | 0.6421% | 4,284 |
| Pretax return on assets | 0.8944% | 3,998 |
| Return on Equity (ROE) | 6.1833% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.3482% | 4,090 |
| Net charge-offs to loans | 0.0540% | 2,830 |
| Credit loss provision to net charge-offs | 144.0000% | 1,734 |
| Earnings coverage of net charge-offs (x) | 40.4830% | 1,232 |
| Efficiency ratio | 68.5226% | 3,446 |
| Assets per employee ($millions) | 4.0593% | 3,784 |
| Cash dividends to net income (ytd only)* | 45.8514% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 4,585 |
| Loan loss allowance to noncurrent loans | 234.1912% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,962 |
| Noncurrent loans to loans | 0.4398% | 4,029 |
| Net loans and leases to total assets | 44.3518% | 5,335 |
| Net loans and leases to deposits | 50.3500% | 5,459 |
| Net loans and leases to core deposits | 50.7878% | 5,550 |
| Total domestic deposits to total assets | 88.0870% | 1,513 |
| Equity capital to assets | 10.9160% | 3,108 |
| Core capital (leverage) ratio | 10.5354% | 3,002 |
| Tier 1 risk-based capital ratio | 20.2448% | 1,497 |
| Total risk-based capital ratio | 21.1220% | 1,543 |
| Memoranda: | ||
| Average total assets | $142,660,250 | 3,707 |
| Average earning assets | $134,843,500 | 3,652 |
| Average equity | $14,813,750 | 3,903 |
| Average total loans | $61,691,750 | 4,376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6830% | 6,085 |
| Cost of funding earning assets | 0.3469% | 3,845 |
| Net interest margin | 2.3360% | 6,080 |
| Noninterest income to average assets | 0.8030% | 1,765 |
| Noninterest expense to average assets | 2.0429% | 5,451 |
| Loan and lease loss provision to assets | 0.0125% | 3,870 |
| Net operating income to assets | 0.6805% | 3,974 |
| Return on assets (ROA) | 0.6615% | 4,174 |
| Pretax return on assets | 0.9251% | 3,866 |
| Return on Equity (ROE) | 6.4767% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.4712% | 4,487 |
| Net charge-offs to loans | 0.0714% | 2,369 |
| Credit loss provision to net charge-offs | 40.9091% | 2,802 |
| Earnings coverage of net charge-offs (x) | 31.5909% | 1,325 |
| Efficiency ratio | 67.9428% | 3,676 |
| Assets per employee ($millions) | 4.1491% | 3,572 |
| Cash dividends to net income (ytd only)* | 61.8449% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 4,913 |
| Loan loss allowance to noncurrent loans | 149.1484% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 4,706 |
| Noncurrent loans to loans | 0.6641% | 3,484 |
| Net loans and leases to total assets | 43.4369% | 5,408 |
| Net loans and leases to deposits | 49.6118% | 5,525 |
| Net loans and leases to core deposits | 50.0359% | 5,614 |
| Total domestic deposits to total assets | 87.5536% | 1,877 |
| Equity capital to assets | 10.4793% | 3,463 |
| Core capital (leverage) ratio | 10.2808% | 3,239 |
| Tier 1 risk-based capital ratio | 19.9895% | 1,545 |
| Total risk-based capital ratio | 20.8373% | 1,615 |
| Memoranda: | ||
| Average total assets | $144,208,000 | 3,713 |
| Average earning assets | $136,043,000 | 3,661 |
| Average equity | $14,729,670 | 3,933 |
| Average total loans | $61,639,000 | 4,418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6946% | 6,136 |
| Cost of funding earning assets | 0.3437% | 3,943 |
| Net interest margin | 2.3508% | 6,126 |
| Noninterest income to average assets | 0.8095% | 1,680 |
| Noninterest expense to average assets | 1.9674% | 5,634 |
| Loan and lease loss provision to assets | 0.0027% | 3,678 |
| Net operating income to assets | 0.7417% | 3,588 |
| Return on assets (ROA) | 0.7052% | 3,896 |
| Pretax return on assets | 1.0015% | 3,498 |
| Return on Equity (ROE) | 6.9918% | 3,509 |
| Retained earnings to average equity (ytd only) | -0.4625% | 5,466 |
| Net charge-offs to loans | 0.0065% | 3,105 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 385.0000% | 144 |
| Efficiency ratio | 65.0635% | 4,306 |
| Assets per employee ($millions) | 4.3297% | 3,325 |
| Cash dividends to net income (ytd only)* | 106.6148% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,863 |
| Loan loss allowance to noncurrent loans | 147.9905% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 4,787 |
| Noncurrent loans to loans | 0.6965% | 3,535 |
| Net loans and leases to total assets | 42.0696% | 5,481 |
| Net loans and leases to deposits | 47.1965% | 5,610 |
| Net loans and leases to core deposits | 47.5866% | 5,684 |
| Total domestic deposits to total assets | 89.1370% | 1,179 |
| Equity capital to assets | 10.3324% | 3,745 |
| Core capital (leverage) ratio | 9.9176% | 3,717 |
| Tier 1 risk-based capital ratio | 20.0150% | 1,614 |
| Total risk-based capital ratio | 20.8865% | 1,666 |
| Memoranda: | ||
| Average total assets | $145,777,500 | 3,719 |
| Average earning assets | $137,313,000 | 3,666 |
| Average equity | $14,703,000 | 3,962 |
| Average total loans | $61,514,000 | 4,450 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8478% | 6,168 |
| Cost of funding earning assets | 0.3452% | 4,303 |
| Net interest margin | 2.5026% | 6,155 |
| Noninterest income to average assets | 0.7479% | 2,084 |
| Noninterest expense to average assets | 2.1502% | 5,457 |
| Loan and lease loss provision to assets | 0.0388% | 3,793 |
| Net operating income to assets | 0.6954% | 3,914 |
| Return on assets (ROA) | 0.6976% | 4,024 |
| Pretax return on assets | 0.9160% | 3,846 |
| Return on Equity (ROE) | 6.8716% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.2886% | 3,137 |
| Net charge-offs to loans | 0.0132% | 4,629 |
| Credit loss provision to net charge-offs | 675.0000% | 393 |
| Earnings coverage of net charge-offs (x) | 165.6250% | 323 |
| Efficiency ratio | 69.3145% | 3,654 |
| Assets per employee ($millions) | 4.5053% | 3,032 |
| Cash dividends to net income (ytd only)* | 37.5901% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,014 |
| Loan loss allowance to noncurrent loans | 150.1199% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 4,913 |
| Noncurrent loans to loans | 0.6694% | 3,674 |
| Net loans and leases to total assets | 41.4777% | 5,658 |
| Net loans and leases to deposits | 46.2757% | 5,784 |
| Net loans and leases to core deposits | 46.6407% | 5,862 |
| Total domestic deposits to total assets | 89.6317% | 908 |
| Equity capital to assets | 9.8490% | 4,289 |
| Core capital (leverage) ratio | 10.2542% | 3,242 |
| Tier 1 risk-based capital ratio | 18.3267% | 2,043 |
| Total risk-based capital ratio | 19.1300% | 2,143 |
| Memoranda: | ||
| Average total assets | $139,194,600 | 3,814 |
| Average earning assets | $130,942,000 | 3,750 |
| Average equity | $14,130,600 | 4,002 |
| Average total loans | $60,836,400 | 4,464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 6,223 |
| Cost of funding earning assets | 0.3435% | 4,416 |
| Net interest margin | 2.5356% | 6,198 |
| Noninterest income to average assets | 0.7601% | 2,048 |
| Noninterest expense to average assets | 2.1331% | 5,498 |
| Loan and lease loss provision to assets | 0.0361% | 3,686 |
| Net operating income to assets | 0.7435% | 3,705 |
| Return on assets (ROA) | 0.7464% | 3,785 |
| Pretax return on assets | 0.9832% | 3,659 |
| Return on Equity (ROE) | 7.2938% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.1706% | 3,682 |
| Net charge-offs to loans | 0.0353% | 3,784 |
| Credit loss provision to net charge-offs | 231.2500% | 1,127 |
| Earnings coverage of net charge-offs (x) | 65.1336% | 815 |
| Efficiency ratio | 67.7499% | 3,903 |
| Assets per employee ($millions) | 4.0076% | 3,864 |
| Cash dividends to net income (ytd only)* | 42.8195% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 5,371 |
| Loan loss allowance to noncurrent loans | 138.4793% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,999 |
| Noncurrent loans to loans | 0.6958% | 3,870 |
| Net loans and leases to total assets | 45.3325% | 5,424 |
| Net loans and leases to deposits | 52.7831% | 5,481 |
| Net loans and leases to core deposits | 53.3761% | 5,601 |
| Total domestic deposits to total assets | 85.8843% | 2,910 |
| Equity capital to assets | 10.5820% | 3,452 |
| Core capital (leverage) ratio | 10.4497% | 3,103 |
| Tier 1 risk-based capital ratio | 17.6421% | 2,340 |
| Total risk-based capital ratio | 18.3939% | 2,510 |
| Memoranda: | ||
| Average total assets | $136,824,500 | 3,883 |
| Average earning assets | $128,882,500 | 3,809 |
| Average equity | $14,002,500 | 4,045 |
| Average total loans | $60,472,250 | 4,514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8441% | 6,301 |
| Cost of funding earning assets | 0.3384% | 4,557 |
| Net interest margin | 2.5057% | 6,267 |
| Noninterest income to average assets | 0.7284% | 2,151 |
| Noninterest expense to average assets | 2.0889% | 5,647 |
| Loan and lease loss provision to assets | 0.0248% | 3,786 |
| Net operating income to assets | 0.7429% | 3,609 |
| Return on assets (ROA) | 0.7474% | 3,685 |
| Pretax return on assets | 0.9766% | 3,578 |
| Return on Equity (ROE) | 7.3862% | 3,426 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,322 |
| Net charge-offs to loans | 0.0368% | 3,485 |
| Credit loss provision to net charge-offs | 154.5455% | 1,429 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 786 |
| Efficiency ratio | 67.7236% | 4,055 |
| Assets per employee ($millions) | 3.9543% | 3,938 |
| Cash dividends to net income (ytd only)* | 59.9609% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 5,588 |
| Loan loss allowance to noncurrent loans | 129.9335% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 4,955 |
| Noncurrent loans to loans | 0.7262% | 3,882 |
| Net loans and leases to total assets | 45.7593% | 5,386 |
| Net loans and leases to deposits | 51.4592% | 5,532 |
| Net loans and leases to core deposits | 52.0244% | 5,665 |
| Total domestic deposits to total assets | 88.9235% | 1,399 |
| Equity capital to assets | 10.5172% | 3,422 |
| Core capital (leverage) ratio | 10.3361% | 3,158 |
| Tier 1 risk-based capital ratio | 18.2653% | 2,140 |
| Total risk-based capital ratio | 19.0384% | 2,285 |
| Memoranda: | ||
| Average total assets | $137,012,670 | 3,905 |
| Average earning assets | $128,828,670 | 3,839 |
| Average equity | $13,863,670 | 4,068 |
| Average total loans | $59,839,330 | 4,554 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7450% | 6,432 |
| Cost of funding earning assets | 0.3296% | 4,738 |
| Net interest margin | 2.4154% | 6,409 |
| Noninterest income to average assets | 0.6595% | 2,405 |
| Noninterest expense to average assets | 2.0044% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7416% | 3,472 |
| Return on assets (ROA) | 0.7462% | 3,527 |
| Pretax return on assets | 0.9284% | 3,595 |
| Return on Equity (ROE) | 7.5189% | 3,187 |
| Retained earnings to average equity (ytd only) | 6.9069% | 2,086 |
| Net charge-offs to loans | -0.0068% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4783% | 4,095 |
| Assets per employee ($millions) | 4.0890% | 3,740 |
| Cash dividends to net income (ytd only)* | 8.1395% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 5,531 |
| Loan loss allowance to noncurrent loans | 139.6635% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 5,264 |
| Noncurrent loans to loans | 0.7140% | 4,086 |
| Net loans and leases to total assets | 41.4908% | 5,708 |
| Net loans and leases to deposits | 46.3723% | 5,828 |
| Net loans and leases to core deposits | 46.8606% | 5,942 |
| Total domestic deposits to total assets | 89.4732% | 1,380 |
| Equity capital to assets | 10.0291% | 3,809 |
| Core capital (leverage) ratio | 9.9404% | 3,647 |
| Tier 1 risk-based capital ratio | 18.6747% | 2,068 |
| Total risk-based capital ratio | 19.4631% | 2,171 |
| Memoranda: | ||
| Average total assets | $138,295,500 | 3,915 |
| Average earning assets | $129,835,000 | 3,836 |
| Average equity | $13,725,500 | 4,099 |
| Average total loans | $58,705,000 | 4,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7586% | 6,516 |
| Cost of funding earning assets | 0.3695% | 4,961 |
| Net interest margin | 2.3891% | 6,457 |
| Noninterest income to average assets | 0.8046% | 2,064 |
| Noninterest expense to average assets | 2.1978% | 5,632 |
| Loan and lease loss provision to assets | 0.0106% | 4,913 |
| Net operating income to assets | 0.6600% | 3,989 |
| Return on assets (ROA) | 0.6988% | 3,891 |
| Pretax return on assets | 0.8824% | 3,834 |
| Return on Equity (ROE) | 6.9090% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.1621% | 1,879 |
| Net charge-offs to loans | 0.1773% | 3,057 |
| Credit loss provision to net charge-offs | 14.4330% | 4,533 |
| Earnings coverage of net charge-offs (x) | 11.5155% | 2,230 |
| Efficiency ratio | 72.2553% | 3,427 |
| Assets per employee ($millions) | 4.0460% | 3,768 |
| Cash dividends to net income (ytd only)* | 10.8108% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 5,657 |
| Loan loss allowance to noncurrent loans | 152.6316% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 5,432 |
| Noncurrent loans to loans | 0.6425% | 4,373 |
| Net loans and leases to total assets | 42.5733% | 5,785 |
| Net loans and leases to deposits | 47.4518% | 5,929 |
| Net loans and leases to core deposits | 48.2175% | 6,021 |
| Total domestic deposits to total assets | 89.7190% | 1,216 |
| Equity capital to assets | 9.8194% | 4,007 |
| Core capital (leverage) ratio | 10.2496% | 3,217 |
| Tier 1 risk-based capital ratio | 17.5416% | 2,392 |
| Total risk-based capital ratio | 18.3031% | 2,556 |
| Memoranda: | ||
| Average total assets | $132,361,400 | 4,027 |
| Average earning assets | $123,939,600 | 3,973 |
| Average equity | $13,388,400 | 4,184 |
| Average total loans | $54,722,200 | 4,790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7359% | 6,609 |
| Cost of funding earning assets | 0.3769% | 5,032 |
| Net interest margin | 2.3591% | 6,549 |
| Noninterest income to average assets | 0.8729% | 1,848 |
| Noninterest expense to average assets | 2.2188% | 5,559 |
| Loan and lease loss provision to assets | 0.0122% | 4,755 |
| Net operating income to assets | 0.6701% | 4,015 |
| Return on assets (ROA) | 0.7223% | 3,869 |
| Pretax return on assets | 0.9176% | 3,800 |
| Return on Equity (ROE) | 7.0864% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.4676% | 2,151 |
| Net charge-offs to loans | 0.0373% | 4,401 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 56.5985% | 792 |
| Efficiency ratio | 71.9802% | 3,408 |
| Assets per employee ($millions) | 3.8377% | 4,150 |
| Cash dividends to net income (ytd only)* | 8.7319% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,113 |
| Loan loss allowance to noncurrent loans | 72.6073% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 4,372 |
| Noncurrent loans to loans | 1.5860% | 2,788 |
| Net loans and leases to total assets | 43.4193% | 5,777 |
| Net loans and leases to deposits | 50.1394% | 5,826 |
| Net loans and leases to core deposits | 51.0236% | 5,951 |
| Total domestic deposits to total assets | 86.5973% | 2,913 |
| Equity capital to assets | 10.2574% | 3,567 |
| Core capital (leverage) ratio | 10.3454% | 3,173 |
| Tier 1 risk-based capital ratio | 17.4118% | 2,536 |
| Total risk-based capital ratio | 18.2815% | 2,656 |
| Memoranda: | ||
| Average total assets | $131,060,500 | 4,085 |
| Average earning assets | $122,758,000 | 4,038 |
| Average equity | $13,358,500 | 4,239 |
| Average total loans | $53,616,250 | 4,866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7255% | 6,652 |
| Cost of funding earning assets | 0.3831% | 5,104 |
| Net interest margin | 2.3424% | 6,591 |
| Noninterest income to average assets | 0.7634% | 2,356 |
| Noninterest expense to average assets | 2.1241% | 5,816 |
| Loan and lease loss provision to assets | 0.0076% | 4,699 |
| Net operating income to assets | 0.6507% | 4,056 |
| Return on assets (ROA) | 0.7253% | 3,860 |
| Pretax return on assets | 0.9158% | 3,849 |
| Return on Equity (ROE) | 7.1311% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.5019% | 2,142 |
| Net charge-offs to loans | 0.0305% | 4,260 |
| Credit loss provision to net charge-offs | 62.5000% | 2,973 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 652 |
| Efficiency ratio | 71.9298% | 3,482 |
| Assets per employee ($millions) | 3.7832% | 4,247 |
| Cash dividends to net income (ytd only)* | 8.8235% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,865 |
| Loan loss allowance to noncurrent loans | 57.5916% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,008 |
| Noncurrent loans to loans | 2.1256% | 2,252 |
| Net loans and leases to total assets | 41.4001% | 5,943 |
| Net loans and leases to deposits | 46.6919% | 6,064 |
| Net loans and leases to core deposits | 47.5066% | 6,153 |
| Total domestic deposits to total assets | 88.6667% | 1,797 |
| Equity capital to assets | 10.1594% | 3,717 |
| Core capital (leverage) ratio | 9.9414% | 3,601 |
| Tier 1 risk-based capital ratio | 17.1256% | 2,669 |
| Total risk-based capital ratio | 18.0007% | 2,787 |
| Memoranda: | ||
| Average total assets | $131,253,670 | 4,114 |
| Average earning assets | $122,694,670 | 4,066 |
| Average equity | $13,350,000 | 4,269 |
| Average total loans | $52,383,670 | 4,935 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6607% | 6,753 |
| Cost of funding earning assets | 0.3954% | 5,152 |
| Net interest margin | 2.2653% | 6,710 |
| Noninterest income to average assets | 0.8087% | 2,093 |
| Noninterest expense to average assets | 2.1514% | 5,801 |
| Loan and lease loss provision to assets | 0.0091% | 4,341 |
| Net operating income to assets | 0.6668% | 3,864 |
| Return on assets (ROA) | 0.6668% | 4,015 |
| Pretax return on assets | 0.7574% | 4,339 |
| Return on Equity (ROE) | 6.5525% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.9299% | 2,717 |
| Net charge-offs to loans | 0.0387% | 3,486 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 669 |
| Efficiency ratio | 73.7332% | 3,308 |
| Assets per employee ($millions) | 4.0294% | 3,884 |
| Cash dividends to net income (ytd only)* | 9.5023% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,868 |
| Loan loss allowance to noncurrent loans | 75.3706% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 4,727 |
| Noncurrent loans to loans | 1.6789% | 3,028 |
| Net loans and leases to total assets | 38.7872% | 6,097 |
| Net loans and leases to deposits | 43.4107% | 6,241 |
| Net loans and leases to core deposits | 44.0402% | 6,312 |
| Total domestic deposits to total assets | 89.3494% | 1,457 |
| Equity capital to assets | 10.2046% | 3,897 |
| Core capital (leverage) ratio | 9.8895% | 3,543 |
| Tier 1 risk-based capital ratio | 18.5647% | 2,168 |
| Total risk-based capital ratio | 19.4974% | 2,236 |
| Memoranda: | ||
| Average total assets | $132,565,500 | 4,127 |
| Average earning assets | $123,426,500 | 4,079 |
| Average equity | $13,491,000 | 4,288 |
| Average total loans | $51,619,000 | 5,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 6,734 |
| Cost of funding earning assets | 0.4938% | 5,262 |
| Net interest margin | 2.5899% | 6,640 |
| Noninterest income to average assets | 0.7795% | 2,351 |
| Noninterest expense to average assets | 2.2924% | 5,709 |
| Loan and lease loss provision to assets | 0.0179% | 5,680 |
| Net operating income to assets | 0.7249% | 3,622 |
| Return on assets (ROA) | 0.7497% | 3,758 |
| Pretax return on assets | 0.9233% | 3,838 |
| Return on Equity (ROE) | 6.7103% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.9563% | 2,099 |
| Net charge-offs to loans | 0.1364% | 4,321 |
| Credit loss provision to net charge-offs | 32.3077% | 5,081 |
| Earnings coverage of net charge-offs (x) | 16.4615% | 1,577 |
| Efficiency ratio | 71.5728% | 3,508 |
| Assets per employee ($millions) | 3.8871% | 4,182 |
| Cash dividends to net income (ytd only)* | 11.2372% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,635 |
| Loan loss allowance to noncurrent loans | 215.9609% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,976 |
| Noncurrent loans to loans | 0.6019% | 5,014 |
| Net loans and leases to total assets | 38.0889% | 6,299 |
| Net loans and leases to deposits | 42.5956% | 6,438 |
| Net loans and leases to core deposits | 43.0314% | 6,502 |
| Total domestic deposits to total assets | 89.4198% | 1,291 |
| Equity capital to assets | 10.1489% | 3,967 |
| Core capital (leverage) ratio | 10.6220% | 2,632 |
| Tier 1 risk-based capital ratio | 18.7692% | 2,021 |
| Total risk-based capital ratio | 19.7290% | 2,076 |
| Memoranda: | ||
| Average total assets | $117,518,000 | 4,411 |
| Average earning assets | $109,966,200 | 4,339 |
| Average equity | $13,129,000 | 4,327 |
| Average total loans | $47,664,800 | 5,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1690% | 6,812 |
| Cost of funding earning assets | 0.5149% | 5,343 |
| Net interest margin | 2.6541% | 6,699 |
| Noninterest income to average assets | 0.8103% | 2,194 |
| Noninterest expense to average assets | 2.2882% | 5,715 |
| Loan and lease loss provision to assets | 0.0258% | 5,460 |
| Net operating income to assets | 0.7740% | 3,580 |
| Return on assets (ROA) | 0.8068% | 3,661 |
| Pretax return on assets | 1.0375% | 3,574 |
| Return on Equity (ROE) | 7.0351% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.4021% | 2,428 |
| Net charge-offs to loans | 0.1879% | 3,615 |
| Credit loss provision to net charge-offs | 33.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | 13.2118% | 1,932 |
| Efficiency ratio | 69.1437% | 3,856 |
| Assets per employee ($millions) | 3.5127% | 4,951 |
| Cash dividends to net income (ytd only)* | 8.9981% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 4,313 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,042 |
| Noncurrent loans to loans | 0.6528% | 5,143 |
| Net loans and leases to total assets | 39.8632% | 6,293 |
| Net loans and leases to deposits | 45.3826% | 6,429 |
| Net loans and leases to core deposits | 45.9211% | 6,517 |
| Total domestic deposits to total assets | 87.8381% | 2,138 |
| Equity capital to assets | 11.5857% | 2,663 |
| Core capital (leverage) ratio | 11.2994% | 2,138 |
| Tier 1 risk-based capital ratio | 20.2414% | 1,698 |
| Total risk-based capital ratio | 21.2795% | 1,721 |
| Memoranda: | ||
| Average total assets | $113,857,000 | 4,547 |
| Average earning assets | $107,201,000 | 4,460 |
| Average equity | $13,058,000 | 4,384 |
| Average total loans | $46,830,500 | 5,280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,878 |
| Cost of funding earning assets | 0.5356% | 5,403 |
| Net interest margin | 2.6571% | 6,764 |
| Noninterest income to average assets | 0.7953% | 2,208 |
| Noninterest expense to average assets | 2.1879% | 6,040 |
| Loan and lease loss provision to assets | 0.0300% | 5,294 |
| Net operating income to assets | 0.8211% | 3,297 |
| Return on assets (ROA) | 0.8695% | 3,310 |
| Pretax return on assets | 1.1399% | 3,151 |
| Return on Equity (ROE) | 7.6079% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.9739% | 2,115 |
| Net charge-offs to loans | 0.5511% | 1,939 |
| Credit loss provision to net charge-offs | 13.1783% | 4,701 |
| Earnings coverage of net charge-offs (x) | 4.8527% | 2,972 |
| Efficiency ratio | 66.4163% | 4,453 |
| Assets per employee ($millions) | 3.6777% | 4,570 |
| Cash dividends to net income (ytd only)* | 8.3333% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,045 |
| Loan loss allowance to noncurrent loans | 189.4904% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 6,091 |
| Noncurrent loans to loans | 0.6690% | 5,167 |
| Net loans and leases to total assets | 40.6477% | 6,300 |
| Net loans and leases to deposits | 46.3054% | 6,415 |
| Net loans and leases to core deposits | 46.8641% | 6,524 |
| Total domestic deposits to total assets | 87.7817% | 2,288 |
| Equity capital to assets | 11.5666% | 2,526 |
| Core capital (leverage) ratio | 11.4857% | 1,914 |
| Tier 1 risk-based capital ratio | 20.3731% | 1,616 |
| Total risk-based capital ratio | 21.3268% | 1,656 |
| Memoranda: | ||
| Average total assets | $113,169,670 | 4,587 |
| Average earning assets | $106,430,670 | 4,502 |
| Average equity | $12,934,000 | 4,406 |
| Average total loans | $46,816,670 | 5,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 6,914 |
| Cost of funding earning assets | 0.5715% | 5,345 |
| Net interest margin | 2.6911% | 6,780 |
| Noninterest income to average assets | 0.7911% | 2,205 |
| Noninterest expense to average assets | 2.2315% | 5,961 |
| Loan and lease loss provision to assets | 0.0035% | 5,225 |
| Net operating income to assets | 0.8499% | 3,164 |
| Return on assets (ROA) | 0.9508% | 2,897 |
| Pretax return on assets | 1.2062% | 2,888 |
| Return on Equity (ROE) | 8.3701% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.7142% | 2,085 |
| Net charge-offs to loans | -0.1797% | 6,967 |
| Credit loss provision to net charge-offs | -4.7619% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3448% | 4,294 |
| Assets per employee ($millions) | 3.6227% | 4,819 |
| Cash dividends to net income (ytd only)* | 7.8358% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,787 |
| Loan loss allowance to noncurrent loans | 129.7153% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,611 |
| Noncurrent loans to loans | 1.2212% | 4,293 |
| Net loans and leases to total assets | 40.3298% | 6,320 |
| Net loans and leases to deposits | 45.8365% | 6,442 |
| Net loans and leases to core deposits | 46.3953% | 6,541 |
| Total domestic deposits to total assets | 87.9862% | 2,329 |
| Equity capital to assets | 11.5054% | 2,437 |
| Core capital (leverage) ratio | 10.9074% | 2,340 |
| Tier 1 risk-based capital ratio | 20.8957% | 1,516 |
| Total risk-based capital ratio | 22.1167% | 1,483 |
| Memoranda: | ||
| Average total assets | $112,750,000 | 4,631 |
| Average earning assets | $105,681,000 | 4,553 |
| Average equity | $12,807,500 | 4,436 |
| Average total loans | $46,756,500 | 5,351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 6,914 |
| Cost of funding earning assets | 0.6968% | 5,561 |
| Net interest margin | 2.9330% | 6,636 |
| Noninterest income to average assets | 0.9345% | 1,552 |
| Noninterest expense to average assets | 2.4694% | 5,567 |
| Loan and lease loss provision to assets | 0.1829% | 4,363 |
| Net operating income to assets | 0.8171% | 2,964 |
| Return on assets (ROA) | 0.8209% | 3,115 |
| Pretax return on assets | 1.0336% | 3,108 |
| Return on Equity (ROE) | 6.9537% | 3,424 |
| Retained earnings to average equity (ytd only) | 6.1467% | 1,929 |
| Net charge-offs to loans | 0.3213% | 3,784 |
| Credit loss provision to net charge-offs | 134.7518% | 2,236 |
| Earnings coverage of net charge-offs (x) | 8.9291% | 2,065 |
| Efficiency ratio | 67.0850% | 4,558 |
| Assets per employee ($millions) | 3.6515% | 4,657 |
| Cash dividends to net income (ytd only)* | 11.6061% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 4,077 |
| Loan loss allowance to noncurrent loans | 278.3465% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,400 |
| Noncurrent loans to loans | 0.5348% | 5,646 |
| Net loans and leases to total assets | 41.3310% | 6,441 |
| Net loans and leases to deposits | 46.7883% | 6,580 |
| Net loans and leases to core deposits | 47.3508% | 6,676 |
| Total domestic deposits to total assets | 88.3362% | 1,948 |
| Equity capital to assets | 11.2142% | 2,777 |
| Core capital (leverage) ratio | 11.9646% | 1,614 |
| Tier 1 risk-based capital ratio | 19.6171% | 1,724 |
| Total risk-based capital ratio | 20.7506% | 1,725 |
| Memoranda: | ||
| Average total assets | $103,910,200 | 4,795 |
| Average earning assets | $97,307,600 | 4,702 |
| Average equity | $12,266,800 | 4,487 |
| Average total loans | $43,889,800 | 5,524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 6,942 |
| Cost of funding earning assets | 0.7289% | 5,603 |
| Net interest margin | 2.9632% | 6,647 |
| Noninterest income to average assets | 0.9463% | 1,495 |
| Noninterest expense to average assets | 2.5317% | 5,345 |
| Loan and lease loss provision to assets | 0.1378% | 4,713 |
| Net operating income to assets | 0.8308% | 3,017 |
| Return on assets (ROA) | 0.8308% | 3,181 |
| Pretax return on assets | 1.0618% | 3,161 |
| Return on Equity (ROE) | 6.9406% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.2608% | 2,393 |
| Net charge-offs to loans | 0.0682% | 5,279 |
| Credit loss provision to net charge-offs | 477.2727% | 585 |
| Earnings coverage of net charge-offs (x) | 41.5493% | 752 |
| Efficiency ratio | 67.8509% | 4,351 |
| Assets per employee ($millions) | 2.9977% | 6,120 |
| Cash dividends to net income (ytd only)* | 9.7941% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,485 |
| Loan loss allowance to noncurrent loans | 186.9018% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 6,032 |
| Noncurrent loans to loans | 0.8776% | 5,101 |
| Net loans and leases to total assets | 44.9804% | 6,244 |
| Net loans and leases to deposits | 51.8801% | 6,377 |
| Net loans and leases to core deposits | 52.6063% | 6,536 |
| Total domestic deposits to total assets | 86.7008% | 2,824 |
| Equity capital to assets | 12.7523% | 1,755 |
| Core capital (leverage) ratio | 12.0993% | 1,651 |
| Tier 1 risk-based capital ratio | 20.8439% | 1,491 |
| Total risk-based capital ratio | 22.0935% | 1,464 |
| Memoranda: | ||
| Average total assets | $101,588,750 | 4,882 |
| Average earning assets | $95,479,750 | 4,800 |
| Average equity | $12,160,000 | 4,523 |
| Average total loans | $42,989,250 | 5,605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 7,077 |
| Cost of funding earning assets | 0.7418% | 5,720 |
| Net interest margin | 2.8841% | 6,818 |
| Noninterest income to average assets | 0.9251% | 1,558 |
| Noninterest expense to average assets | 2.4025% | 5,836 |
| Loan and lease loss provision to assets | 0.1756% | 4,166 |
| Net operating income to assets | 0.7885% | 3,125 |
| Return on assets (ROA) | 0.7885% | 3,249 |
| Pretax return on assets | 1.0558% | 3,022 |
| Return on Equity (ROE) | 6.7287% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,401 |
| Net charge-offs to loans | -0.0426% | 7,004 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1117% | 4,855 |
| Assets per employee ($millions) | 3.1715% | 5,696 |
| Cash dividends to net income (ytd only)* | 10.1485% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 3,175 |
| Loan loss allowance to noncurrent loans | 294.9416% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 6,497 |
| Noncurrent loans to loans | 0.5915% | 5,744 |
| Net loans and leases to total assets | 42.0665% | 6,590 |
| Net loans and leases to deposits | 48.1596% | 6,717 |
| Net loans and leases to core deposits | 48.8098% | 6,815 |
| Total domestic deposits to total assets | 87.3481% | 2,550 |
| Equity capital to assets | 12.1493% | 1,998 |
| Core capital (leverage) ratio | 11.7108% | 1,777 |
| Tier 1 risk-based capital ratio | 20.4410% | 1,523 |
| Total risk-based capital ratio | 21.6915% | 1,497 |
| Memoranda: | ||
| Average total assets | $102,477,330 | 4,888 |
| Average earning assets | $96,252,000 | 4,804 |
| Average equity | $12,008,330 | 4,562 |
| Average total loans | $42,239,670 | 5,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 7,136 |
| Cost of funding earning assets | 0.7751% | 5,713 |
| Net interest margin | 2.8267% | 6,869 |
| Noninterest income to average assets | 0.9245% | 1,568 |
| Noninterest expense to average assets | 2.5211% | 5,480 |
| Loan and lease loss provision to assets | 0.2913% | 2,825 |
| Net operating income to assets | 0.5982% | 4,036 |
| Return on assets (ROA) | 0.5982% | 4,103 |
| Pretax return on assets | 0.7614% | 4,053 |
| Return on Equity (ROE) | 5.1994% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1994% | 3,059 |
| Net charge-offs to loans | -0.1057% | 7,103 |
| Credit loss provision to net charge-offs | -681.8182% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5435% | 4,153 |
| Assets per employee ($millions) | 3.2141% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,899 |
| Loan loss allowance to noncurrent loans | 343.3180% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 6,541 |
| Noncurrent loans to loans | 0.5350% | 5,957 |
| Net loans and leases to total assets | 38.7110% | 6,863 |
| Net loans and leases to deposits | 44.0276% | 6,954 |
| Net loans and leases to core deposits | 44.6086% | 7,023 |
| Total domestic deposits to total assets | 87.9244% | 2,416 |
| Equity capital to assets | 11.6079% | 2,189 |
| Core capital (leverage) ratio | 11.0315% | 2,168 |
| Tier 1 risk-based capital ratio | 20.4664% | 1,489 |
| Total risk-based capital ratio | 21.7172% | 1,466 |
| Memoranda: | ||
| Average total assets | $102,972,500 | 4,919 |
| Average earning assets | $96,508,000 | 4,837 |
| Average equity | $11,847,500 | 4,589 |
| Average total loans | $41,634,500 | 5,778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 7,061 |
| Cost of funding earning assets | 0.9680% | 5,854 |
| Net interest margin | 3.1157% | 6,480 |
| Noninterest income to average assets | 1.0237% | 1,430 |
| Noninterest expense to average assets | 2.5079% | 5,767 |
| Loan and lease loss provision to assets | 0.2004% | 5,232 |
| Net operating income to assets | 0.9363% | 2,251 |
| Return on assets (ROA) | 0.9363% | 2,382 |
| Pretax return on assets | 1.2334% | 2,129 |
| Return on Equity (ROE) | 7.9401% | 2,715 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,289 |
| Net charge-offs to loans | 0.1493% | 5,459 |
| Credit loss provision to net charge-offs | 309.5238% | 856 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 935 |
| Efficiency ratio | 63.6245% | 5,414 |
| Assets per employee ($millions) | 3.3256% | 5,372 |
| Cash dividends to net income (ytd only)* | 10.9769% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,809 |
| Loan loss allowance to noncurrent loans | 303.6866% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 6,483 |
| Noncurrent loans to loans | 0.5081% | 6,019 |
| Net loans and leases to total assets | 40.7884% | 6,916 |
| Net loans and leases to deposits | 46.2948% | 7,032 |
| Net loans and leases to core deposits | 46.9015% | 7,113 |
| Total domestic deposits to total assets | 88.1059% | 2,186 |
| Equity capital to assets | 11.4033% | 2,339 |
| Core capital (leverage) ratio | 11.8931% | 1,621 |
| Tier 1 risk-based capital ratio | 19.5885% | 1,578 |
| Total risk-based capital ratio | 20.7175% | 1,573 |
| Memoranda: | ||
| Average total assets | $97,292,800 | 5,070 |
| Average earning assets | $91,119,600 | 4,980 |
| Average equity | $11,473,400 | 4,740 |
| Average total loans | $42,208,400 | 5,824 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 7,144 |
| Cost of funding earning assets | 1.0036% | 5,923 |
| Net interest margin | 3.1531% | 6,475 |
| Noninterest income to average assets | 1.0573% | 1,287 |
| Noninterest expense to average assets | 2.5527% | 5,501 |
| Loan and lease loss provision to assets | 0.1669% | 5,376 |
| Net operating income to assets | 0.9891% | 2,276 |
| Return on assets (ROA) | 0.9891% | 2,389 |
| Pretax return on assets | 1.2965% | 2,183 |
| Return on Equity (ROE) | 8.3136% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.5886% | 1,565 |
| Net charge-offs to loans | 0.1077% | 5,465 |
| Credit loss provision to net charge-offs | 352.9412% | 889 |
| Earnings coverage of net charge-offs (x) | 30.9426% | 865 |
| Efficiency ratio | 63.5608% | 5,333 |
| Assets per employee ($millions) | 2.8631% | 6,461 |
| Cash dividends to net income (ytd only)* | 8.7196% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,195 |
| Loan loss allowance to noncurrent loans | 4,715.3846% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 7,068 |
| Noncurrent loans to loans | 0.0308% | 7,174 |
| Net loans and leases to total assets | 44.0300% | 6,839 |
| Net loans and leases to deposits | 50.6391% | 6,972 |
| Net loans and leases to core deposits | 51.2113% | 7,072 |
| Total domestic deposits to total assets | 86.9487% | 2,562 |
| Equity capital to assets | 12.4829% | 1,868 |
| Core capital (leverage) ratio | 12.0229% | 1,658 |
| Tier 1 risk-based capital ratio | 20.4921% | 1,448 |
| Total risk-based capital ratio | 21.5947% | 1,454 |
| Memoranda: | ||
| Average total assets | $95,842,750 | 5,161 |
| Average earning assets | $89,939,750 | 5,070 |
| Average equity | $11,402,750 | 4,838 |
| Average total loans | $42,083,250 | 5,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 7,261 |
| Cost of funding earning assets | 1.0085% | 6,098 |
| Net interest margin | 3.1117% | 6,576 |
| Noninterest income to average assets | 1.0655% | 1,179 |
| Noninterest expense to average assets | 2.4736% | 5,820 |
| Loan and lease loss provision to assets | 0.1246% | 5,642 |
| Net operating income to assets | 1.0675% | 1,956 |
| Return on assets (ROA) | 1.0675% | 2,032 |
| Pretax return on assets | 1.3895% | 1,862 |
| Return on Equity (ROE) | 9.1197% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.3745% | 1,302 |
| Net charge-offs to loans | 0.0951% | 5,193 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 36.4500% | 789 |
| Efficiency ratio | 62.0313% | 5,686 |
| Assets per employee ($millions) | 2.9580% | 6,230 |
| Cash dividends to net income (ytd only)* | 8.1712% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,569 |
| Loan loss allowance to noncurrent loans | 708.7500% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,040 |
| Noncurrent loans to loans | 0.1935% | 6,868 |
| Net loans and leases to total assets | 43.0690% | 6,979 |
| Net loans and leases to deposits | 49.3822% | 7,097 |
| Net loans and leases to core deposits | 49.9351% | 7,211 |
| Total domestic deposits to total assets | 87.2157% | 2,426 |
| Equity capital to assets | 12.2297% | 1,961 |
| Core capital (leverage) ratio | 11.8392% | 1,736 |
| Tier 1 risk-based capital ratio | 20.3954% | 1,452 |
| Total risk-based capital ratio | 21.4286% | 1,452 |
| Memoranda: | ||
| Average total assets | $96,296,670 | 5,187 |
| Average earning assets | $90,433,000 | 5,077 |
| Average equity | $11,272,330 | 4,862 |
| Average total loans | $42,040,000 | 5,953 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 7,394 |
| Cost of funding earning assets | 1.0124% | 6,322 |
| Net interest margin | 3.0636% | 6,684 |
| Noninterest income to average assets | 1.0873% | 1,071 |
| Noninterest expense to average assets | 2.4465% | 5,928 |
| Loan and lease loss provision to assets | 0.1236% | 5,342 |
| Net operating income to assets | 1.0503% | 2,002 |
| Return on assets (ROA) | 1.0503% | 2,063 |
| Pretax return on assets | 1.3962% | 1,787 |
| Return on Equity (ROE) | 9.1722% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.4169% | 1,558 |
| Net charge-offs to loans | 0.0566% | 4,842 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 500 |
| Efficiency ratio | 61.6822% | 5,889 |
| Assets per employee ($millions) | 3.0889% | 6,024 |
| Cash dividends to net income (ytd only)* | 8.2353% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,317 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 42.5922% | 7,086 |
| Net loans and leases to deposits | 48.5391% | 7,207 |
| Net loans and leases to core deposits | 49.0717% | 7,320 |
| Total domestic deposits to total assets | 87.7482% | 2,213 |
| Equity capital to assets | 11.6702% | 2,248 |
| Core capital (leverage) ratio | 11.2567% | 2,052 |
| Tier 1 risk-based capital ratio | 19.7675% | 1,568 |
| Total risk-based capital ratio | 20.7574% | 1,587 |
| Memoranda: | ||
| Average total assets | $97,117,500 | 5,232 |
| Average earning assets | $91,264,500 | 5,127 |
| Average equity | $11,120,500 | 4,943 |
| Average total loans | $42,393,000 | 6,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 7,328 |
| Cost of funding earning assets | 1.3297% | 6,209 |
| Net interest margin | 3.2328% | 5,980 |
| Noninterest income to average assets | 1.0920% | 1,291 |
| Noninterest expense to average assets | 2.6250% | 5,696 |
| Loan and lease loss provision to assets | 0.0489% | 7,073 |
| Net operating income to assets | 1.0626% | 1,614 |
| Return on assets (ROA) | 1.0626% | 1,665 |
| Pretax return on assets | 1.4320% | 1,358 |
| Return on Equity (ROE) | 9.2472% | 1,939 |
| Retained earnings to average equity (ytd only) | 8.5002% | 582 |
| Net charge-offs to loans | 0.0844% | 6,272 |
| Credit loss provision to net charge-offs | 128.5714% | 4,007 |
| Earnings coverage of net charge-offs (x) | 38.9429% | 612 |
| Efficiency ratio | 63.9323% | 5,789 |
| Assets per employee ($millions) | 3.2826% | 5,532 |
| Cash dividends to net income (ytd only)* | 8.0777% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,278 |
| Loan loss allowance to noncurrent loans | 2,291.3043% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 7,282 |
| Noncurrent loans to loans | 0.0529% | 7,292 |
| Net loans and leases to total assets | 43.5864% | 7,142 |
| Net loans and leases to deposits | 49.3833% | 7,290 |
| Net loans and leases to core deposits | 54.4694% | 7,458 |
| Total domestic deposits to total assets | 88.2613% | 1,852 |
| Equity capital to assets | 11.2370% | 2,506 |
| Core capital (leverage) ratio | 11.8463% | 1,738 |
| Tier 1 risk-based capital ratio | 18.7594% | 1,709 |
| Total risk-based capital ratio | 19.6823% | 1,729 |
| Memoranda: | ||
| Average total assets | $92,036,600 | 5,331 |
| Average earning assets | $85,806,800 | 5,271 |
| Average equity | $10,576,200 | 5,135 |
| Average total loans | $41,457,200 | 6,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 7,350 |
| Cost of funding earning assets | 1.4072% | 6,203 |
| Net interest margin | 3.2445% | 5,866 |
| Noninterest income to average assets | 1.1162% | 1,269 |
| Noninterest expense to average assets | 2.7263% | 5,210 |
| Loan and lease loss provision to assets | 0.0221% | 7,130 |
| Net operating income to assets | 1.0292% | 1,967 |
| Return on assets (ROA) | 1.0292% | 2,032 |
| Pretax return on assets | 1.3934% | 1,714 |
| Return on Equity (ROE) | 8.9025% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.3796% | 1,018 |
| Net charge-offs to loans | 0.1139% | 5,542 |
| Credit loss provision to net charge-offs | 42.8571% | 6,395 |
| Earnings coverage of net charge-offs (x) | 27.4260% | 993 |
| Efficiency ratio | 65.8241% | 5,398 |
| Assets per employee ($millions) | 2.8499% | 6,533 |
| Cash dividends to net income (ytd only)* | 5.8745% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,292 |
| Loan loss allowance to noncurrent loans | 451.8182% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 7,234 |
| Noncurrent loans to loans | 0.2592% | 6,862 |
| Net loans and leases to total assets | 47.4651% | 7,000 |
| Net loans and leases to deposits | 54.5306% | 7,173 |
| Net loans and leases to core deposits | 61.3456% | 7,348 |
| Total domestic deposits to total assets | 87.0431% | 2,163 |
| Equity capital to assets | 12.3377% | 2,040 |
| Core capital (leverage) ratio | 11.8826% | 1,849 |
| Tier 1 risk-based capital ratio | 19.1997% | 1,704 |
| Total risk-based capital ratio | 20.1070% | 1,739 |
| Memoranda: | ||
| Average total assets | $90,426,250 | 5,414 |
| Average earning assets | $84,326,000 | 5,364 |
| Average equity | $10,453,750 | 5,219 |
| Average total loans | $40,959,000 | 6,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 7,522 |
| Cost of funding earning assets | 1.4457% | 6,331 |
| Net interest margin | 3.1617% | 6,053 |
| Noninterest income to average assets | 1.1260% | 1,241 |
| Noninterest expense to average assets | 2.8688% | 4,645 |
| Loan and lease loss provision to assets | 0.0329% | 6,906 |
| Net operating income to assets | 0.8560% | 2,630 |
| Return on assets (ROA) | 0.8560% | 2,732 |
| Pretax return on assets | 1.1765% | 2,371 |
| Return on Equity (ROE) | 7.5691% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.1616% | 1,520 |
| Net charge-offs to loans | 0.1779% | 4,463 |
| Credit loss provision to net charge-offs | 41.6667% | 5,879 |
| Earnings coverage of net charge-offs (x) | 15.3056% | 1,606 |
| Efficiency ratio | 70.3445% | 4,707 |
| Assets per employee ($millions) | 2.7807% | 6,675 |
| Cash dividends to net income (ytd only)* | 5.3846% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 4,572 |
| Loan loss allowance to noncurrent loans | 7,085.7143% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,628 |
| Noncurrent loans to loans | 0.0177% | 7,508 |
| Net loans and leases to total assets | 43.8846% | 7,336 |
| Net loans and leases to deposits | 50.1580% | 7,479 |
| Net loans and leases to core deposits | 55.9602% | 7,592 |
| Total domestic deposits to total assets | 87.4928% | 2,020 |
| Equity capital to assets | 11.7958% | 2,328 |
| Core capital (leverage) ratio | 11.2591% | 2,221 |
| Tier 1 risk-based capital ratio | 19.8287% | 1,615 |
| Total risk-based capital ratio | 20.7964% | 1,624 |
| Memoranda: | ||
| Average total assets | $91,119,330 | 5,428 |
| Average earning assets | $85,080,330 | 5,377 |
| Average equity | $10,305,000 | 5,279 |
| Average total loans | $40,468,330 | 6,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 7,636 |
| Cost of funding earning assets | 1.5031% | 6,391 |
| Net interest margin | 3.0763% | 6,268 |
| Noninterest income to average assets | 1.1542% | 1,110 |
| Noninterest expense to average assets | 3.2499% | 2,796 |
| Loan and lease loss provision to assets | 0.0651% | 6,134 |
| Net operating income to assets | 0.4469% | 4,665 |
| Return on assets (ROA) | 0.4469% | 4,837 |
| Pretax return on assets | 0.6986% | 4,442 |
| Return on Equity (ROE) | 4.0355% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.0355% | 3,656 |
| Net charge-offs to loans | 0.3420% | 2,718 |
| Credit loss provision to net charge-offs | 42.8571% | 4,774 |
| Earnings coverage of net charge-offs (x) | 5.0286% | 2,765 |
| Efficiency ratio | 80.9730% | 2,676 |
| Assets per employee ($millions) | 2.8316% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,316 |
| Loan loss allowance to noncurrent loans | 1,155.8140% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 7,460 |
| Noncurrent loans to loans | 0.1094% | 7,216 |
| Net loans and leases to total assets | 42.8343% | 7,421 |
| Net loans and leases to deposits | 48.6519% | 7,553 |
| Net loans and leases to core deposits | 54.5349% | 7,664 |
| Total domestic deposits to total assets | 88.0424% | 1,728 |
| Equity capital to assets | 11.3131% | 2,711 |
| Core capital (leverage) ratio | 10.7381% | 2,709 |
| Tier 1 risk-based capital ratio | 19.9141% | 1,639 |
| Total risk-based capital ratio | 20.9112% | 1,634 |
| Memoranda: | ||
| Average total assets | $92,188,500 | 5,418 |
| Average earning assets | $85,688,000 | 5,372 |
| Average equity | $10,209,500 | 5,321 |
| Average total loans | $40,930,000 | 6,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 7,269 |
| Cost of funding earning assets | 2.0414% | 6,276 |
| Net interest margin | 3.4716% | 5,394 |
| Noninterest income to average assets | 1.2279% | 987 |
| Noninterest expense to average assets | 2.6261% | 5,548 |
| Loan and lease loss provision to assets | 0.0816% | 6,367 |
| Net operating income to assets | 1.2692% | 1,570 |
| Return on assets (ROA) | 1.2769% | 1,503 |
| Pretax return on assets | 1.7433% | 1,060 |
| Return on Equity (ROE) | 11.5103% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.2489% | 418 |
| Net charge-offs to loans | 0.0917% | 5,420 |
| Credit loss provision to net charge-offs | 179.4872% | 2,814 |
| Earnings coverage of net charge-offs (x) | 39.8974% | 935 |
| Efficiency ratio | 59.1387% | 6,509 |
| Assets per employee ($millions) | 2.8414% | 6,466 |
| Cash dividends to net income (ytd only)* | 10.9589% | 4,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 4,418 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 7,452 |
| Noncurrent loans to loans | 0.0776% | 7,190 |
| Net loans and leases to total assets | 44.8280% | 7,413 |
| Net loans and leases to deposits | 50.6141% | 7,600 |
| Net loans and leases to core deposits | 55.3802% | 7,755 |
| Total domestic deposits to total assets | 88.5682% | 1,220 |
| Equity capital to assets | 10.8441% | 3,170 |
| Core capital (leverage) ratio | 11.6199% | 2,178 |
| Tier 1 risk-based capital ratio | 19.0877% | 1,795 |
| Total risk-based capital ratio | 20.0912% | 1,801 |
| Memoranda: | ||
| Average total assets | $85,755,400 | 5,492 |
| Average earning assets | $79,358,000 | 5,454 |
| Average equity | $9,513,200 | 5,568 |
| Average total loans | $42,516,000 | 6,046 |