Home > Cornerstone State Bank > Performance and Condition Ratios
Cornerstone State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 3,580 |
| Cost of funding earning assets | 1.8589% | 2,292 |
| Net interest margin | 2.8667% | 3,609 |
| Noninterest income to average assets | 0.4700% | 1,878 |
| Noninterest expense to average assets | 2.4385% | 2,484 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 0.6088% | 3,332 |
| Return on assets (ROA) | 0.6088% | 3,350 |
| Pretax return on assets | 0.6088% | 3,571 |
| Return on Equity (ROE) | 9.7400% | 2,394 |
| Retained earnings to average equity (ytd only) | -6.5578% | 4,155 |
| Net charge-offs to loans | 0.0373% | 1,310 |
| Credit loss provision to net charge-offs | 607.1429% | 475 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,244 |
| Efficiency ratio | 76.9978% | 1,163 |
| Assets per employee ($millions) | 5.8383% | 3,059 |
| Cash dividends to net income (ytd only)* | 167.3184% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 2,926 |
| Loan loss allowance to noncurrent loans | 110.5556% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 1,219 |
| Noncurrent loans to loans | 0.9571% | 1,117 |
| Net loans and leases to total assets | 63.7400% | 2,530 |
| Net loans and leases to deposits | 69.7250% | 2,882 |
| Net loans and leases to core deposits | 71.5606% | 3,213 |
| Total domestic deposits to total assets | 91.4200% | 415 |
| Equity capital to assets | 6.4445% | 4,164 |
| Core capital (leverage) ratio | 9.9666% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $235,225,500 | 2,811 |
| Average earning assets | $219,488,500 | 2,798 |
| Average equity | $14,700,000 | 3,400 |
| Average total loans | $150,146,500 | 2,765 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 3,781 |
| Cost of funding earning assets | 2.0235% | 2,166 |
| Net interest margin | 2.5556% | 3,839 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.3127% | 2,834 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.5466% | 3,359 |
| Return on assets (ROA) | 0.5461% | 3,379 |
| Pretax return on assets | 0.5461% | 3,565 |
| Return on Equity (ROE) | 8.8500% | 2,512 |
| Retained earnings to average equity (ytd only) | 4.8670% | 2,287 |
| Net charge-offs to loans | 0.1090% | 1,111 |
| Credit loss provision to net charge-offs | 140.9091% | 1,473 |
| Earnings coverage of net charge-offs (x) | 9.5974% | 2,311 |
| Efficiency ratio | 77.7680% | 1,223 |
| Assets per employee ($millions) | 5.9230% | 2,932 |
| Cash dividends to net income (ytd only)* | 45.0278% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,135 |
| Loan loss allowance to noncurrent loans | 115.2273% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 1,298 |
| Noncurrent loans to loans | 0.8809% | 1,135 |
| Net loans and leases to total assets | 62.6100% | 2,702 |
| Net loans and leases to deposits | 68.5895% | 3,042 |
| Net loans and leases to core deposits | 70.2987% | 3,342 |
| Total domestic deposits to total assets | 91.2800% | 451 |
| Equity capital to assets | 6.0569% | 4,197 |
| Core capital (leverage) ratio | 10.0869% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $230,159,400 | 2,816 |
| Average earning assets | $214,824,600 | 2,803 |
| Average equity | $14,197,600 | 3,398 |
| Average total loans | $141,237,400 | 2,810 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 3,824 |
| Cost of funding earning assets | 2.0294% | 2,138 |
| Net interest margin | 2.4796% | 3,921 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.4242% | 2,451 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.3519% | 3,772 |
| Return on assets (ROA) | 0.3507% | 3,810 |
| Pretax return on assets | 0.3507% | 3,886 |
| Return on Equity (ROE) | 5.6600% | 3,389 |
| Retained earnings to average equity (ytd only) | 1.0923% | 3,701 |
| Net charge-offs to loans | 0.1572% | 716 |
| Credit loss provision to net charge-offs | 97.5610% | 1,700 |
| Earnings coverage of net charge-offs (x) | 4.7744% | 2,419 |
| Efficiency ratio | 83.6135% | 839 |
| Assets per employee ($millions) | 5.6583% | 3,150 |
| Cash dividends to net income (ytd only)* | 80.6988% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,149 |
| Loan loss allowance to noncurrent loans | 870.6587% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,212 |
| Noncurrent loans to loans | 0.1171% | 3,099 |
| Net loans and leases to total assets | 60.8500% | 2,851 |
| Net loans and leases to deposits | 67.3101% | 3,158 |
| Net loans and leases to core deposits | 69.4196% | 3,421 |
| Total domestic deposits to total assets | 90.4000% | 491 |
| Equity capital to assets | 6.8891% | 4,152 |
| Core capital (leverage) ratio | 9.9879% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $228,469,500 | 2,815 |
| Average earning assets | $213,197,000 | 2,808 |
| Average equity | $14,159,500 | 3,404 |
| Average total loans | $139,085,500 | 2,824 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 3,849 |
| Cost of funding earning assets | 1.9765% | 2,178 |
| Net interest margin | 2.4744% | 3,915 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.5060% | 2,227 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.2376% | 3,943 |
| Return on assets (ROA) | 0.2358% | 3,986 |
| Pretax return on assets | 0.2358% | 4,019 |
| Return on Equity (ROE) | 3.9600% | 3,729 |
| Retained earnings to average equity (ytd only) | -2.3760% | 4,168 |
| Net charge-offs to loans | -0.0319% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.4305% | 686 |
| Assets per employee ($millions) | 5.1468% | 3,503 |
| Cash dividends to net income (ytd only)* | 160.0746% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 2,626 |
| Loan loss allowance to noncurrent loans | 1,386.9565% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,320 |
| Noncurrent loans to loans | 0.0813% | 3,258 |
| Net loans and leases to total assets | 61.7500% | 2,790 |
| Net loans and leases to deposits | 68.1512% | 3,119 |
| Net loans and leases to core deposits | 70.2596% | 3,366 |
| Total domestic deposits to total assets | 90.6100% | 543 |
| Equity capital to assets | 5.7728% | 4,257 |
| Core capital (leverage) ratio | 9.9780% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $227,296,000 | 2,822 |
| Average earning assets | $212,092,000 | 2,812 |
| Average equity | $13,552,000 | 3,441 |
| Average total loans | $137,908,000 | 2,829 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 3,905 |
| Cost of funding earning assets | 1.9928% | 2,007 |
| Net interest margin | 2.3583% | 4,054 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.5506% | 2,102 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 0.0439% | 4,184 |
| Return on assets (ROA) | 0.0439% | 4,222 |
| Pretax return on assets | 0.0439% | 4,209 |
| Return on Equity (ROE) | 0.7300% | 4,176 |
| Retained earnings to average equity (ytd only) | -9.8901% | 4,305 |
| Net charge-offs to loans | -0.0118% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.9493% | 445 |
| Assets per employee ($millions) | 5.2854% | 3,438 |
| Cash dividends to net income (ytd only)* | 1,464.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 2,803 |
| Loan loss allowance to noncurrent loans | 5,093.3333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,710 |
| Noncurrent loans to loans | 0.0217% | 3,631 |
| Net loans and leases to total assets | 60.2600% | 2,831 |
| Net loans and leases to deposits | 65.9236% | 3,176 |
| Net loans and leases to core deposits | 67.8453% | 3,435 |
| Total domestic deposits to total assets | 91.4000% | 440 |
| Equity capital to assets | 5.8331% | 4,235 |
| Core capital (leverage) ratio | 9.9286% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $227,714,000 | 2,821 |
| Average earning assets | $212,360,500 | 2,816 |
| Average equity | $13,791,500 | 3,429 |
| Average total loans | $136,140,000 | 2,845 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,929 |
| Cost of funding earning assets | 1.3365% | 2,401 |
| Net interest margin | 2.6855% | 3,839 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.3716% | 2,662 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7331% | 3,099 |
| Return on assets (ROA) | 0.6674% | 3,260 |
| Pretax return on assets | 0.6674% | 3,504 |
| Return on Equity (ROE) | 12.4600% | 1,850 |
| Retained earnings to average equity (ytd only) | 4.1526% | 2,902 |
| Net charge-offs to loans | -0.0352% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6110% | 1,395 |
| Assets per employee ($millions) | 5.3060% | 3,389 |
| Cash dividends to net income (ytd only)* | 66.6667% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 2,895 |
| Loan loss allowance to noncurrent loans | 837.9310% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,040 |
| Noncurrent loans to loans | 0.1300% | 2,861 |
| Net loans and leases to total assets | 58.0100% | 3,035 |
| Net loans and leases to deposits | 63.7059% | 3,306 |
| Net loans and leases to core deposits | 65.6278% | 3,512 |
| Total domestic deposits to total assets | 91.0500% | 493 |
| Equity capital to assets | 6.2790% | 4,170 |
| Core capital (leverage) ratio | 10.1744% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $223,856,200 | 2,822 |
| Average earning assets | $207,555,400 | 2,816 |
| Average equity | $11,992,600 | 3,524 |
| Average total loans | $127,680,600 | 2,875 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,927 |
| Cost of funding earning assets | 1.1951% | 2,447 |
| Net interest margin | 2.7524% | 3,804 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.3975% | 2,521 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8415% | 2,892 |
| Return on assets (ROA) | 0.7535% | 3,150 |
| Pretax return on assets | 0.7535% | 3,439 |
| Return on Equity (ROE) | 14.7100% | 1,504 |
| Retained earnings to average equity (ytd only) | 4.8381% | 2,988 |
| Net charge-offs to loans | -0.0222% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7522% | 1,475 |
| Assets per employee ($millions) | 5.2637% | 3,375 |
| Cash dividends to net income (ytd only)* | 67.1168% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,085 |
| Loan loss allowance to noncurrent loans | 1,622.6190% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,418 |
| Noncurrent loans to loans | 0.0652% | 3,286 |
| Net loans and leases to total assets | 57.6700% | 3,055 |
| Net loans and leases to deposits | 62.0607% | 3,399 |
| Net loans and leases to core deposits | 63.6902% | 3,544 |
| Total domestic deposits to total assets | 92.9300% | 309 |
| Equity capital to assets | 4.3261% | 4,364 |
| Core capital (leverage) ratio | 10.0776% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $222,781,250 | 2,843 |
| Average earning assets | $206,508,500 | 2,834 |
| Average equity | $11,409,250 | 3,583 |
| Average total loans | $126,149,500 | 2,890 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,922 |
| Cost of funding earning assets | 0.9952% | 2,618 |
| Net interest margin | 2.8762% | 3,688 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3891% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0611% | 2,233 |
| Return on assets (ROA) | 0.9295% | 2,638 |
| Pretax return on assets | 0.9295% | 3,099 |
| Return on Equity (ROE) | 17.2600% | 1,049 |
| Retained earnings to average equity (ytd only) | 5.7384% | 2,718 |
| Net charge-offs to loans | -0.0287% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.8035% | 1,885 |
| Assets per employee ($millions) | 5.4273% | 3,211 |
| Cash dividends to net income (ytd only)* | 66.7630% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,252 |
| Loan loss allowance to noncurrent loans | 3,644.4444% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,676 |
| Noncurrent loans to loans | 0.0285% | 3,552 |
| Net loans and leases to total assets | 56.1700% | 3,110 |
| Net loans and leases to deposits | 61.5411% | 3,337 |
| Net loans and leases to core deposits | 62.9178% | 3,502 |
| Total domestic deposits to total assets | 91.2700% | 565 |
| Equity capital to assets | 5.1937% | 4,344 |
| Core capital (leverage) ratio | 10.1904% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $223,349,333 | 2,845 |
| Average earning assets | $206,593,000 | 2,847 |
| Average equity | $12,024,333 | 3,533 |
| Average total loans | $125,246,667 | 2,896 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,004 |
| Cost of funding earning assets | 0.8409% | 2,567 |
| Net interest margin | 2.8694% | 3,831 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 2.4472% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1852% | 1,974 |
| Return on assets (ROA) | 0.9224% | 2,735 |
| Pretax return on assets | 0.9224% | 3,181 |
| Return on Equity (ROE) | 16.8400% | 1,205 |
| Retained earnings to average equity (ytd only) | 3.1979% | 3,462 |
| Net charge-offs to loans | -0.0128% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9783% | 2,091 |
| Assets per employee ($millions) | 5.2427% | 3,467 |
| Cash dividends to net income (ytd only)* | 81.0078% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,361 |
| Loan loss allowance to noncurrent loans | 1,478.6517% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,384 |
| Noncurrent loans to loans | 0.0700% | 3,231 |
| Net loans and leases to total assets | 57.1200% | 2,946 |
| Net loans and leases to deposits | 61.7474% | 3,242 |
| Net loans and leases to core deposits | 62.8606% | 3,397 |
| Total domestic deposits to total assets | 92.5000% | 399 |
| Equity capital to assets | 5.8354% | 4,257 |
| Core capital (leverage) ratio | 9.8700% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $223,764,000 | 2,884 |
| Average earning assets | $206,454,000 | 2,890 |
| Average equity | $12,258,000 | 3,552 |
| Average total loans | $124,719,000 | 2,938 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 3,627 |
| Cost of funding earning assets | 0.4013% | 2,090 |
| Net interest margin | 2.8832% | 3,719 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.3253% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1854% | 1,832 |
| Return on assets (ROA) | 1.1324% | 1,988 |
| Pretax return on assets | 1.1324% | 2,664 |
| Return on Equity (ROE) | 18.3800% | 650 |
| Retained earnings to average equity (ytd only) | 8.0710% | 1,802 |
| Net charge-offs to loans | -0.0017% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8070% | 2,261 |
| Assets per employee ($millions) | 5.2869% | 3,436 |
| Cash dividends to net income (ytd only)* | 56.0842% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,826 |
| Loan loss allowance to noncurrent loans | 534.9020% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,742 |
| Noncurrent loans to loans | 0.2084% | 2,453 |
| Net loans and leases to total assets | 53.2200% | 3,265 |
| Net loans and leases to deposits | 56.2543% | 3,561 |
| Net loans and leases to core deposits | 57.1139% | 3,669 |
| Total domestic deposits to total assets | 94.6100% | 184 |
| Equity capital to assets | 5.1321% | 4,333 |
| Core capital (leverage) ratio | 9.4627% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $226,424,800 | 2,864 |
| Average earning assets | $208,551,800 | 2,874 |
| Average equity | $13,951,200 | 3,473 |
| Average total loans | $116,149,000 | 2,960 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 3,597 |
| Cost of funding earning assets | 0.3105% | 2,056 |
| Net interest margin | 2.8206% | 3,687 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.3195% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8942% | 2,889 |
| Return on assets (ROA) | 0.8995% | 2,847 |
| Pretax return on assets | 0.8995% | 3,312 |
| Return on Equity (ROE) | 14.0100% | 1,423 |
| Retained earnings to average equity (ytd only) | 5.8575% | 2,802 |
| Net charge-offs to loans | 0.0081% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 216.7143% | 593 |
| Efficiency ratio | 71.7168% | 1,553 |
| Assets per employee ($millions) | 4.9291% | 3,738 |
| Cash dividends to net income (ytd only)* | 58.1913% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,820 |
| Loan loss allowance to noncurrent loans | 450.1661% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 2,656 |
| Noncurrent loans to loans | 0.2542% | 2,364 |
| Net loans and leases to total assets | 52.7800% | 3,206 |
| Net loans and leases to deposits | 55.5655% | 3,511 |
| Net loans and leases to core deposits | 56.4305% | 3,606 |
| Total domestic deposits to total assets | 94.9900% | 224 |
| Equity capital to assets | 3.6892% | 4,516 |
| Core capital (leverage) ratio | 9.6056% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $226,197,000 | 2,883 |
| Average earning assets | $208,694,250 | 2,891 |
| Average equity | $14,522,250 | 3,461 |
| Average total loans | $114,596,750 | 2,991 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0075% | 3,543 |
| Cost of funding earning assets | 0.2576% | 2,170 |
| Net interest margin | 2.7499% | 3,576 |
| Noninterest income to average assets | 0.6325% | 1,606 |
| Noninterest expense to average assets | 2.2595% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9145% | 2,522 |
| Return on assets (ROA) | 0.9224% | 2,446 |
| Pretax return on assets | 0.9224% | 2,984 |
| Return on Equity (ROE) | 12.6237% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.7129% | 2,810 |
| Net charge-offs to loans | 0.0212% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 86.7500% | 891 |
| Efficiency ratio | 70.7169% | 1,861 |
| Assets per employee ($millions) | 5.1131% | 3,582 |
| Cash dividends to net income (ytd only)* | 62.6667% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,880 |
| Loan loss allowance to noncurrent loans | 823.0303% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,239 |
| Noncurrent loans to loans | 0.1412% | 2,997 |
| Net loans and leases to total assets | 51.3388% | 3,230 |
| Net loans and leases to deposits | 54.5970% | 3,500 |
| Net loans and leases to core deposits | 55.5106% | 3,610 |
| Total domestic deposits to total assets | 94.0323% | 280 |
| Equity capital to assets | 5.4579% | 4,376 |
| Core capital (leverage) ratio | 9.5957% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,659,667 | 2,900 |
| Average earning assets | $210,406,667 | 2,916 |
| Average equity | $16,635,333 | 3,348 |
| Average total loans | $113,318,333 | 3,026 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 3,694 |
| Cost of funding earning assets | 0.2516% | 2,137 |
| Net interest margin | 2.5757% | 3,716 |
| Noninterest income to average assets | 0.5747% | 1,803 |
| Noninterest expense to average assets | 2.0524% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9188% | 2,208 |
| Return on assets (ROA) | 0.9188% | 2,205 |
| Pretax return on assets | 0.9188% | 2,706 |
| Return on Equity (ROE) | 11.1835% | 1,557 |
| Retained earnings to average equity (ytd only) | 6.3359% | 2,130 |
| Net charge-offs to loans | 0.0610% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.9412% | 1,113 |
| Efficiency ratio | 68.7243% | 2,412 |
| Assets per employee ($millions) | 5.0396% | 3,718 |
| Cash dividends to net income (ytd only)* | 43.3460% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,836 |
| Loan loss allowance to noncurrent loans | 294.7712% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,419 |
| Noncurrent loans to loans | 0.4086% | 2,027 |
| Net loans and leases to total assets | 48.9413% | 3,286 |
| Net loans and leases to deposits | 52.8207% | 3,504 |
| Net loans and leases to core deposits | 53.7797% | 3,607 |
| Total domestic deposits to total assets | 92.6555% | 363 |
| Equity capital to assets | 6.8237% | 4,290 |
| Core capital (leverage) ratio | 9.7769% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,000,500 | 2,902 |
| Average earning assets | $213,069,500 | 2,906 |
| Average equity | $18,813,500 | 3,248 |
| Average total loans | $111,548,000 | 3,039 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 3,771 |
| Cost of funding earning assets | 0.2988% | 2,412 |
| Net interest margin | 2.7560% | 3,767 |
| Noninterest income to average assets | 0.9575% | 1,082 |
| Noninterest expense to average assets | 2.3751% | 2,570 |
| Loan and lease loss provision to assets | 0.0268% | 2,520 |
| Net operating income to assets | 1.1436% | 2,133 |
| Return on assets (ROA) | 1.1436% | 2,187 |
| Pretax return on assets | 1.1440% | 2,837 |
| Return on Equity (ROE) | 11.4456% | 2,004 |
| Retained earnings to average equity (ytd only) | 3.2734% | 3,509 |
| Net charge-offs to loans | -0.0063% | 3,610 |
| Credit loss provision to net charge-offs | -857.1429% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3898% | 2,209 |
| Assets per employee ($millions) | 5.1382% | 3,609 |
| Cash dividends to net income (ytd only)* | 71.4007% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,694 |
| Loan loss allowance to noncurrent loans | 206.9486% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 2,106 |
| Noncurrent loans to loans | 0.5977% | 1,641 |
| Net loans and leases to total assets | 47.3071% | 3,568 |
| Net loans and leases to deposits | 52.6601% | 3,693 |
| Net loans and leases to core deposits | 53.5572% | 3,787 |
| Total domestic deposits to total assets | 89.8347% | 1,042 |
| Equity capital to assets | 9.5805% | 3,063 |
| Core capital (leverage) ratio | 9.5363% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,120,600 | 2,877 |
| Average earning assets | $210,484,800 | 2,867 |
| Average equity | $22,392,800 | 3,026 |
| Average total loans | $111,253,400 | 3,059 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1172% | 3,774 |
| Cost of funding earning assets | 0.2965% | 2,627 |
| Net interest margin | 2.8207% | 3,731 |
| Noninterest income to average assets | 0.9271% | 1,199 |
| Noninterest expense to average assets | 2.4921% | 2,142 |
| Loan and lease loss provision to assets | 0.0360% | 2,279 |
| Net operating income to assets | 1.0452% | 2,745 |
| Return on assets (ROA) | 1.0452% | 2,811 |
| Pretax return on assets | 1.0458% | 3,335 |
| Return on Equity (ROE) | 10.3503% | 2,613 |
| Retained earnings to average equity (ytd only) | 2.4109% | 4,077 |
| Net charge-offs to loans | -0.0048% | 3,426 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0940% | 1,697 |
| Assets per employee ($millions) | 4.8655% | 3,829 |
| Cash dividends to net income (ytd only)* | 76.7068% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,891 |
| Loan loss allowance to noncurrent loans | 355.9896% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,001 |
| Noncurrent loans to loans | 0.3428% | 2,558 |
| Net loans and leases to total assets | 48.3811% | 3,589 |
| Net loans and leases to deposits | 54.0074% | 3,737 |
| Net loans and leases to core deposits | 54.9399% | 3,857 |
| Total domestic deposits to total assets | 89.5824% | 973 |
| Equity capital to assets | 9.7534% | 3,148 |
| Core capital (leverage) ratio | 9.5328% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,346,000 | 2,923 |
| Average earning assets | $208,642,500 | 2,910 |
| Average equity | $22,453,000 | 3,059 |
| Average total loans | $111,378,500 | 3,097 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 3,817 |
| Cost of funding earning assets | 0.3053% | 2,737 |
| Net interest margin | 2.8168% | 3,755 |
| Noninterest income to average assets | 1.0498% | 997 |
| Noninterest expense to average assets | 2.4837% | 2,199 |
| Loan and lease loss provision to assets | 0.0545% | 1,945 |
| Net operating income to assets | 1.1497% | 2,366 |
| Return on assets (ROA) | 1.1497% | 2,428 |
| Pretax return on assets | 1.1506% | 3,054 |
| Return on Equity (ROE) | 11.2520% | 2,319 |
| Retained earnings to average equity (ytd only) | 4.0795% | 3,493 |
| Net charge-offs to loans | -0.0018% | 3,179 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5928% | 2,069 |
| Assets per employee ($millions) | 4.6428% | 3,976 |
| Cash dividends to net income (ytd only)* | 63.7441% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,695 |
| Loan loss allowance to noncurrent loans | 351.5464% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 2,226 |
| Noncurrent loans to loans | 0.3545% | 2,631 |
| Net loans and leases to total assets | 48.4966% | 3,678 |
| Net loans and leases to deposits | 54.3229% | 3,835 |
| Net loans and leases to core deposits | 55.2126% | 3,950 |
| Total domestic deposits to total assets | 89.2746% | 1,155 |
| Equity capital to assets | 10.0653% | 2,796 |
| Core capital (leverage) ratio | 9.7092% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,234,667 | 2,939 |
| Average earning assets | $206,331,333 | 2,930 |
| Average equity | $22,502,667 | 3,049 |
| Average total loans | $111,169,667 | 3,114 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 3,772 |
| Cost of funding earning assets | 0.3144% | 2,851 |
| Net interest margin | 2.8394% | 3,671 |
| Noninterest income to average assets | 1.2041% | 850 |
| Noninterest expense to average assets | 2.4282% | 2,407 |
| Loan and lease loss provision to assets | 0.1096% | 1,264 |
| Net operating income to assets | 1.3228% | 1,752 |
| Return on assets (ROA) | 1.3228% | 1,838 |
| Pretax return on assets | 1.3228% | 2,510 |
| Return on Equity (ROE) | 12.8491% | 1,716 |
| Retained earnings to average equity (ytd only) | 9.2996% | 1,860 |
| Net charge-offs to loans | 0.0286% | 1,202 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 621 |
| Efficiency ratio | 61.5712% | 2,828 |
| Assets per employee ($millions) | 4.5786% | 4,037 |
| Cash dividends to net income (ytd only)* | 27.6243% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,869 |
| Loan loss allowance to noncurrent loans | 437.0968% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,278 |
| Noncurrent loans to loans | 0.2772% | 3,106 |
| Net loans and leases to total assets | 49.2438% | 3,692 |
| Net loans and leases to deposits | 55.0702% | 3,861 |
| Net loans and leases to core deposits | 56.0341% | 3,972 |
| Total domestic deposits to total assets | 89.4201% | 1,115 |
| Equity capital to assets | 9.9613% | 2,735 |
| Core capital (leverage) ratio | 10.1307% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,924,500 | 2,938 |
| Average earning assets | $204,829,500 | 2,930 |
| Average equity | $22,538,500 | 3,037 |
| Average total loans | $112,034,000 | 3,099 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 3,220 |
| Cost of funding earning assets | 0.4618% | 3,208 |
| Net interest margin | 3.3662% | 2,879 |
| Noninterest income to average assets | 0.9165% | 1,227 |
| Noninterest expense to average assets | 2.7163% | 2,189 |
| Loan and lease loss provision to assets | 0.1246% | 2,805 |
| Net operating income to assets | 1.1817% | 1,610 |
| Return on assets (ROA) | 1.2170% | 1,610 |
| Pretax return on assets | 1.2170% | 2,272 |
| Return on Equity (ROE) | 10.7756% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.8754% | 2,329 |
| Net charge-offs to loans | 0.2533% | 684 |
| Credit loss provision to net charge-offs | 84.2105% | 2,963 |
| Earnings coverage of net charge-offs (x) | 8.8316% | 2,568 |
| Efficiency ratio | 66.0947% | 2,515 |
| Assets per employee ($millions) | 4.3571% | 4,068 |
| Cash dividends to net income (ytd only)* | 54.7548% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,157 |
| Loan loss allowance to noncurrent loans | 247.2486% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 1,993 |
| Noncurrent loans to loans | 0.4696% | 2,561 |
| Net loans and leases to total assets | 51.9588% | 3,662 |
| Net loans and leases to deposits | 58.5594% | 3,857 |
| Net loans and leases to core deposits | 59.5624% | 3,971 |
| Total domestic deposits to total assets | 88.7283% | 1,106 |
| Equity capital to assets | 10.6459% | 2,562 |
| Core capital (leverage) ratio | 10.2903% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,685,400 | 3,006 |
| Average earning assets | $177,798,200 | 3,017 |
| Average equity | $21,762,200 | 3,031 |
| Average total loans | $112,493,600 | 3,062 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,302 |
| Cost of funding earning assets | 0.4778% | 3,371 |
| Net interest margin | 3.4074% | 2,890 |
| Noninterest income to average assets | 0.8925% | 1,247 |
| Noninterest expense to average assets | 2.7529% | 2,110 |
| Loan and lease loss provision to assets | 0.1280% | 2,747 |
| Net operating income to assets | 1.1457% | 1,834 |
| Return on assets (ROA) | 1.1940% | 1,781 |
| Pretax return on assets | 1.1940% | 2,408 |
| Return on Equity (ROE) | 10.4022% | 1,874 |
| Retained earnings to average equity (ytd only) | 3.8164% | 3,131 |
| Net charge-offs to loans | -0.0758% | 4,773 |
| Credit loss provision to net charge-offs | -281.2500% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8845% | 2,333 |
| Assets per employee ($millions) | 4.2406% | 4,103 |
| Cash dividends to net income (ytd only)* | 63.3115% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,845 |
| Loan loss allowance to noncurrent loans | 356.9507% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 1,941 |
| Noncurrent loans to loans | 0.3855% | 2,912 |
| Net loans and leases to total assets | 56.0600% | 3,619 |
| Net loans and leases to deposits | 63.3548% | 3,837 |
| Net loans and leases to core deposits | 64.3778% | 3,995 |
| Total domestic deposits to total assets | 88.4858% | 978 |
| Equity capital to assets | 10.9001% | 2,480 |
| Core capital (leverage) ratio | 10.4899% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,481,750 | 3,033 |
| Average earning assets | $172,441,750 | 3,035 |
| Average equity | $21,520,500 | 3,046 |
| Average total loans | $112,558,250 | 3,071 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 3,526 |
| Cost of funding earning assets | 0.5153% | 3,437 |
| Net interest margin | 3.4167% | 3,047 |
| Noninterest income to average assets | 0.8247% | 1,362 |
| Noninterest expense to average assets | 2.8771% | 1,888 |
| Loan and lease loss provision to assets | 0.1318% | 2,700 |
| Net operating income to assets | 0.9466% | 2,506 |
| Return on assets (ROA) | 0.9466% | 2,640 |
| Pretax return on assets | 0.9466% | 3,191 |
| Return on Equity (ROE) | 8.0945% | 2,713 |
| Retained earnings to average equity (ytd only) | 0.1784% | 4,280 |
| Net charge-offs to loans | 0.0520% | 1,744 |
| Credit loss provision to net charge-offs | 413.7931% | 1,380 |
| Earnings coverage of net charge-offs (x) | 33.8621% | 1,357 |
| Efficiency ratio | 71.1827% | 1,799 |
| Assets per employee ($millions) | 4.1689% | 4,135 |
| Cash dividends to net income (ytd only)* | 97.7958% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,304 |
| Loan loss allowance to noncurrent loans | 218.6930% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 1,512 |
| Noncurrent loans to loans | 0.5673% | 2,456 |
| Net loans and leases to total assets | 58.4662% | 3,472 |
| Net loans and leases to deposits | 66.2409% | 3,700 |
| Net loans and leases to core deposits | 67.3504% | 3,898 |
| Total domestic deposits to total assets | 88.2631% | 1,054 |
| Equity capital to assets | 11.0969% | 2,254 |
| Core capital (leverage) ratio | 10.8053% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,126,333 | 3,056 |
| Average earning assets | $166,886,667 | 3,074 |
| Average equity | $21,298,333 | 3,054 |
| Average total loans | $111,510,667 | 3,080 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 3,360 |
| Cost of funding earning assets | 0.5870% | 3,499 |
| Net interest margin | 3.5696% | 2,771 |
| Noninterest income to average assets | 0.8538% | 1,160 |
| Noninterest expense to average assets | 2.9175% | 2,079 |
| Loan and lease loss provision to assets | 0.1370% | 2,012 |
| Net operating income to assets | 1.0615% | 1,963 |
| Return on assets (ROA) | 1.0615% | 2,070 |
| Pretax return on assets | 1.0615% | 2,634 |
| Return on Equity (ROE) | 8.8252% | 2,182 |
| Retained earnings to average equity (ytd only) | 1.2336% | 3,683 |
| Net charge-offs to loans | 0.1354% | 917 |
| Credit loss provision to net charge-offs | 162.1622% | 1,544 |
| Earnings coverage of net charge-offs (x) | 14.1892% | 1,609 |
| Efficiency ratio | 69.3289% | 2,459 |
| Assets per employee ($millions) | 3.7512% | 4,224 |
| Cash dividends to net income (ytd only)* | 86.0215% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,339 |
| Loan loss allowance to noncurrent loans | 59.4021% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4532% | 753 |
| Noncurrent loans to loans | 2.1216% | 639 |
| Net loans and leases to total assets | 60.9248% | 3,407 |
| Net loans and leases to deposits | 70.0546% | 3,588 |
| Net loans and leases to core deposits | 71.4640% | 3,786 |
| Total domestic deposits to total assets | 86.9675% | 1,573 |
| Equity capital to assets | 12.2622% | 1,876 |
| Core capital (leverage) ratio | 11.6624% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,221,000 | 3,083 |
| Average earning assets | $160,131,000 | 3,106 |
| Average equity | $21,076,000 | 3,066 |
| Average total loans | $109,268,000 | 3,091 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 3,268 |
| Cost of funding earning assets | 0.6099% | 3,596 |
| Net interest margin | 3.7864% | 2,545 |
| Noninterest income to average assets | 0.8580% | 1,280 |
| Noninterest expense to average assets | 2.8503% | 2,441 |
| Loan and lease loss provision to assets | 0.3607% | 415 |
| Net operating income to assets | 1.0930% | 2,469 |
| Return on assets (ROA) | 1.0930% | 2,573 |
| Pretax return on assets | 1.0994% | 3,167 |
| Return on Equity (ROE) | 9.4580% | 2,540 |
| Retained earnings to average equity (ytd only) | 2.4362% | 3,807 |
| Net charge-offs to loans | 0.6703% | 255 |
| Credit loss provision to net charge-offs | 83.5580% | 2,750 |
| Earnings coverage of net charge-offs (x) | 3.3827% | 3,328 |
| Efficiency ratio | 64.6154% | 2,986 |
| Assets per employee ($millions) | 3.6278% | 4,347 |
| Cash dividends to net income (ytd only)* | 74.2416% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,292 |
| Loan loss allowance to noncurrent loans | 95.7386% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 1,205 |
| Noncurrent loans to loans | 1.2829% | 1,176 |
| Net loans and leases to total assets | 62.2519% | 3,372 |
| Net loans and leases to deposits | 71.1609% | 3,576 |
| Net loans and leases to core deposits | 72.6250% | 3,818 |
| Total domestic deposits to total assets | 87.4805% | 1,374 |
| Equity capital to assets | 11.7914% | 2,287 |
| Core capital (leverage) ratio | 11.5859% | 2,047 |
| Tier 1 risk-based capital ratio | 16.6489% | 2,168 |
| Total risk-based capital ratio | 17.7624% | 2,156 |
| Memoranda: | ||
| Average total assets | $171,910,400 | 3,093 |
| Average earning assets | $156,743,400 | 3,115 |
| Average equity | $19,866,800 | 3,147 |
| Average total loans | $110,698,600 | 3,075 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 3,252 |
| Cost of funding earning assets | 0.5846% | 3,759 |
| Net interest margin | 3.8504% | 2,433 |
| Noninterest income to average assets | 0.7952% | 1,429 |
| Noninterest expense to average assets | 2.9256% | 2,177 |
| Loan and lease loss provision to assets | 0.0934% | 2,042 |
| Net operating income to assets | 1.2839% | 1,909 |
| Return on assets (ROA) | 1.2839% | 1,993 |
| Pretax return on assets | 1.2916% | 2,695 |
| Return on Equity (ROE) | 11.1671% | 1,945 |
| Retained earnings to average equity (ytd only) | 2.4026% | 4,139 |
| Net charge-offs to loans | 0.0637% | 1,913 |
| Credit loss provision to net charge-offs | 226.4151% | 1,190 |
| Earnings coverage of net charge-offs (x) | 33.5872% | 1,524 |
| Efficiency ratio | 66.3538% | 2,680 |
| Assets per employee ($millions) | 3.5808% | 4,420 |
| Cash dividends to net income (ytd only)* | 78.4845% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,494 |
| Loan loss allowance to noncurrent loans | 247.9032% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 2,232 |
| Noncurrent loans to loans | 0.5734% | 2,579 |
| Net loans and leases to total assets | 62.0149% | 3,494 |
| Net loans and leases to deposits | 71.0572% | 3,684 |
| Net loans and leases to core deposits | 72.2894% | 3,929 |
| Total domestic deposits to total assets | 87.2747% | 1,388 |
| Equity capital to assets | 11.8770% | 2,351 |
| Core capital (leverage) ratio | 11.7903% | 2,003 |
| Tier 1 risk-based capital ratio | 17.0156% | 2,080 |
| Total risk-based capital ratio | 18.2664% | 2,032 |
| Memoranda: | ||
| Average total assets | $171,354,000 | 3,131 |
| Average earning assets | $156,447,000 | 3,151 |
| Average equity | $19,700,250 | 3,181 |
| Average total loans | $110,935,500 | 3,105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 3,240 |
| Cost of funding earning assets | 0.5630% | 3,823 |
| Net interest margin | 3.8684% | 2,347 |
| Noninterest income to average assets | 0.6916% | 1,748 |
| Noninterest expense to average assets | 2.8553% | 2,397 |
| Loan and lease loss provision to assets | 0.1402% | 1,321 |
| Net operating income to assets | 1.2162% | 2,087 |
| Return on assets (ROA) | 1.2162% | 2,145 |
| Pretax return on assets | 1.2279% | 2,820 |
| Return on Equity (ROE) | 10.6921% | 2,097 |
| Retained earnings to average equity (ytd only) | 0.0616% | 4,672 |
| Net charge-offs to loans | 0.1019% | 1,366 |
| Credit loss provision to net charge-offs | 210.5263% | 1,159 |
| Earnings coverage of net charge-offs (x) | 20.5439% | 1,765 |
| Efficiency ratio | 66.0581% | 2,799 |
| Assets per employee ($millions) | 3.5573% | 4,431 |
| Cash dividends to net income (ytd only)* | 99.4236% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,750 |
| Loan loss allowance to noncurrent loans | 159.0249% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 1,919 |
| Noncurrent loans to loans | 0.8603% | 1,885 |
| Net loans and leases to total assets | 64.7311% | 3,267 |
| Net loans and leases to deposits | 73.9954% | 3,518 |
| Net loans and leases to core deposits | 75.1501% | 3,805 |
| Total domestic deposits to total assets | 87.4798% | 1,350 |
| Equity capital to assets | 11.7618% | 2,372 |
| Core capital (leverage) ratio | 11.5272% | 2,139 |
| Tier 1 risk-based capital ratio | 16.3408% | 2,290 |
| Total risk-based capital ratio | 17.5908% | 2,232 |
| Memoranda: | ||
| Average total assets | $171,189,330 | 3,150 |
| Average earning assets | $156,291,670 | 3,167 |
| Average equity | $19,472,330 | 3,200 |
| Average total loans | $111,871,670 | 3,102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 2,836 |
| Cost of funding earning assets | 0.5346% | 3,899 |
| Net interest margin | 3.9747% | 1,932 |
| Noninterest income to average assets | 0.7934% | 1,306 |
| Noninterest expense to average assets | 2.7816% | 2,632 |
| Loan and lease loss provision to assets | 0.1400% | 1,226 |
| Net operating income to assets | 1.4748% | 1,166 |
| Return on assets (ROA) | 1.4748% | 1,192 |
| Pretax return on assets | 1.4982% | 1,782 |
| Return on Equity (ROE) | 13.1893% | 1,157 |
| Retained earnings to average equity (ytd only) | 2.4626% | 3,935 |
| Net charge-offs to loans | -0.0286% | 4,627 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4572% | 3,615 |
| Assets per employee ($millions) | 3.6329% | 4,427 |
| Cash dividends to net income (ytd only)* | 81.3291% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,760 |
| Loan loss allowance to noncurrent loans | 75.0977% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 839 |
| Noncurrent loans to loans | 1.8350% | 836 |
| Net loans and leases to total assets | 64.4657% | 3,228 |
| Net loans and leases to deposits | 73.4837% | 3,488 |
| Net loans and leases to core deposits | 74.4983% | 3,771 |
| Total domestic deposits to total assets | 87.7279% | 1,462 |
| Equity capital to assets | 11.5148% | 2,384 |
| Core capital (leverage) ratio | 11.6279% | 2,032 |
| Tier 1 risk-based capital ratio | 16.5241% | 2,255 |
| Total risk-based capital ratio | 17.7744% | 2,207 |
| Memoranda: | ||
| Average total assets | $171,410,000 | 3,177 |
| Average earning assets | $156,390,500 | 3,200 |
| Average equity | $19,167,000 | 3,243 |
| Average total loans | $111,777,500 | 3,137 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,832 |
| Cost of funding earning assets | 0.4070% | 3,945 |
| Net interest margin | 3.9713% | 2,086 |
| Noninterest income to average assets | 0.7519% | 1,636 |
| Noninterest expense to average assets | 2.8950% | 2,368 |
| Loan and lease loss provision to assets | 0.1077% | 2,046 |
| Net operating income to assets | 1.3619% | 1,564 |
| Return on assets (ROA) | 1.3613% | 1,554 |
| Pretax return on assets | 1.3673% | 2,248 |
| Return on Equity (ROE) | 12.6290% | 1,498 |
| Retained earnings to average equity (ytd only) | 5.8484% | 2,268 |
| Net charge-offs to loans | 0.1002% | 1,757 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 22.8426% | 1,883 |
| Efficiency ratio | 64.7051% | 3,085 |
| Assets per employee ($millions) | 3.7408% | 4,266 |
| Cash dividends to net income (ytd only)* | 53.6907% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 1,976 |
| Loan loss allowance to noncurrent loans | 54.1038% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8312% | 557 |
| Noncurrent loans to loans | 2.4271% | 514 |
| Net loans and leases to total assets | 64.2017% | 3,333 |
| Net loans and leases to deposits | 72.6241% | 3,614 |
| Net loans and leases to core deposits | 73.7690% | 3,869 |
| Total domestic deposits to total assets | 88.4027% | 1,115 |
| Equity capital to assets | 10.8517% | 2,843 |
| Core capital (leverage) ratio | 11.5408% | 2,071 |
| Tier 1 risk-based capital ratio | 15.2864% | 2,704 |
| Total risk-based capital ratio | 16.4352% | 2,681 |
| Memoranda: | ||
| Average total assets | $167,187,200 | 3,197 |
| Average earning assets | $152,343,800 | 3,220 |
| Average equity | $18,022,000 | 3,297 |
| Average total loans | $107,787,000 | 3,174 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,779 |
| Cost of funding earning assets | 0.3533% | 4,162 |
| Net interest margin | 4.0006% | 1,954 |
| Noninterest income to average assets | 0.7656% | 1,604 |
| Noninterest expense to average assets | 2.9266% | 2,237 |
| Loan and lease loss provision to assets | 0.1446% | 1,374 |
| Net operating income to assets | 1.3344% | 1,722 |
| Return on assets (ROA) | 1.3336% | 1,737 |
| Pretax return on assets | 1.3416% | 2,460 |
| Return on Equity (ROE) | 12.3929% | 1,643 |
| Retained earnings to average equity (ytd only) | 5.8903% | 2,712 |
| Net charge-offs to loans | 0.0512% | 2,099 |
| Credit loss provision to net charge-offs | 439.0244% | 777 |
| Earnings coverage of net charge-offs (x) | 45.1425% | 1,250 |
| Efficiency ratio | 64.7798% | 3,057 |
| Assets per employee ($millions) | 3.5466% | 4,499 |
| Cash dividends to net income (ytd only)* | 52.4696% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 1,549 |
| Loan loss allowance to noncurrent loans | 79.6786% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 1,033 |
| Noncurrent loans to loans | 1.8092% | 849 |
| Net loans and leases to total assets | 63.0396% | 3,540 |
| Net loans and leases to deposits | 71.3199% | 3,823 |
| Net loans and leases to core deposits | 72.4798% | 4,047 |
| Total domestic deposits to total assets | 88.3900% | 1,087 |
| Equity capital to assets | 10.7684% | 2,876 |
| Core capital (leverage) ratio | 11.7293% | 1,986 |
| Tier 1 risk-based capital ratio | 15.6826% | 2,572 |
| Total risk-based capital ratio | 16.9328% | 2,515 |
| Memoranda: | ||
| Average total assets | $165,965,250 | 3,234 |
| Average earning assets | $151,341,500 | 3,259 |
| Average equity | $17,859,250 | 3,334 |
| Average total loans | $106,747,500 | 3,215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,769 |
| Cost of funding earning assets | 0.3524% | 4,063 |
| Net interest margin | 3.9448% | 2,051 |
| Noninterest income to average assets | 0.7965% | 1,484 |
| Noninterest expense to average assets | 2.9652% | 2,149 |
| Loan and lease loss provision to assets | 0.1448% | 1,324 |
| Net operating income to assets | 1.2684% | 1,905 |
| Return on assets (ROA) | 1.2672% | 1,910 |
| Pretax return on assets | 1.2792% | 2,593 |
| Return on Equity (ROE) | 11.7786% | 1,810 |
| Retained earnings to average equity (ytd only) | 4.2066% | 3,505 |
| Net charge-offs to loans | 0.1554% | 995 |
| Credit loss provision to net charge-offs | 144.5783% | 1,610 |
| Earnings coverage of net charge-offs (x) | 14.2289% | 2,109 |
| Efficiency ratio | 65.9978% | 2,981 |
| Assets per employee ($millions) | 3.5517% | 4,530 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,888 |
| Loan loss allowance to noncurrent loans | 77.4002% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 1,118 |
| Noncurrent loans to loans | 1.7605% | 899 |
| Net loans and leases to total assets | 63.5809% | 3,446 |
| Net loans and leases to deposits | 72.2123% | 3,699 |
| Net loans and leases to core deposits | 73.3727% | 3,919 |
| Total domestic deposits to total assets | 88.0472% | 1,354 |
| Equity capital to assets | 10.8682% | 2,768 |
| Core capital (leverage) ratio | 11.5729% | 2,009 |
| Tier 1 risk-based capital ratio | 15.7105% | 2,547 |
| Total risk-based capital ratio | 16.9080% | 2,510 |
| Memoranda: | ||
| Average total assets | $165,723,000 | 3,256 |
| Average earning assets | $150,985,330 | 3,282 |
| Average equity | $17,829,000 | 3,350 |
| Average total loans | $106,790,330 | 3,226 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 2,741 |
| Cost of funding earning assets | 0.3578% | 3,924 |
| Net interest margin | 3.8835% | 2,111 |
| Noninterest income to average assets | 0.7286% | 1,706 |
| Noninterest expense to average assets | 2.9815% | 2,110 |
| Loan and lease loss provision to assets | 0.1438% | 1,307 |
| Net operating income to assets | 1.1192% | 2,338 |
| Return on assets (ROA) | 1.1169% | 2,368 |
| Pretax return on assets | 1.1384% | 3,012 |
| Return on Equity (ROE) | 10.4335% | 2,210 |
| Retained earnings to average equity (ytd only) | 1.4777% | 4,500 |
| Net charge-offs to loans | -0.0484% | 4,954 |
| Credit loss provision to net charge-offs | -461.5385% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8876% | 2,499 |
| Assets per employee ($millions) | 3.5762% | 4,573 |
| Cash dividends to net income (ytd only)* | 85.8369% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,982 |
| Loan loss allowance to noncurrent loans | 184.3358% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 2,459 |
| Noncurrent loans to loans | 0.7389% | 2,356 |
| Net loans and leases to total assets | 64.7575% | 3,208 |
| Net loans and leases to deposits | 73.3284% | 3,481 |
| Net loans and leases to core deposits | 74.6244% | 3,773 |
| Total domestic deposits to total assets | 88.3117% | 1,455 |
| Equity capital to assets | 10.6707% | 2,894 |
| Core capital (leverage) ratio | 11.2592% | 2,199 |
| Tier 1 risk-based capital ratio | 15.0361% | 2,849 |
| Total risk-based capital ratio | 16.2342% | 2,806 |
| Memoranda: | ||
| Average total assets | $166,896,500 | 3,282 |
| Average earning assets | $152,026,500 | 3,299 |
| Average equity | $17,865,500 | 3,371 |
| Average total loans | $107,530,000 | 3,239 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,522 |
| Cost of funding earning assets | 0.3901% | 3,332 |
| Net interest margin | 3.8533% | 2,240 |
| Noninterest income to average assets | 1.0903% | 851 |
| Noninterest expense to average assets | 2.9306% | 2,348 |
| Loan and lease loss provision to assets | 0.1852% | 1,150 |
| Net operating income to assets | 1.4975% | 808 |
| Return on assets (ROA) | 1.4704% | 880 |
| Pretax return on assets | 1.4704% | 1,748 |
| Return on Equity (ROE) | 14.0387% | 752 |
| Retained earnings to average equity (ytd only) | 7.7055% | 856 |
| Net charge-offs to loans | 0.5083% | 463 |
| Credit loss provision to net charge-offs | 58.5551% | 3,231 |
| Earnings coverage of net charge-offs (x) | 5.3194% | 3,347 |
| Efficiency ratio | 61.3479% | 4,044 |
| Assets per employee ($millions) | 3.6802% | 4,464 |
| Cash dividends to net income (ytd only)* | 45.1125% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,120 |
| Loan loss allowance to noncurrent loans | 78.3139% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 1,176 |
| Noncurrent loans to loans | 1.6841% | 976 |
| Net loans and leases to total assets | 62.4070% | 3,567 |
| Net loans and leases to deposits | 70.5673% | 3,824 |
| Net loans and leases to core deposits | 72.0039% | 4,044 |
| Total domestic deposits to total assets | 88.4362% | 1,279 |
| Equity capital to assets | 10.7374% | 2,910 |
| Core capital (leverage) ratio | 10.9669% | 2,371 |
| Tier 1 risk-based capital ratio | 15.0395% | 2,836 |
| Total risk-based capital ratio | 16.1909% | 2,808 |
| Memoranda: | ||
| Average total assets | $166,282,400 | 3,283 |
| Average earning assets | $152,023,600 | 3,298 |
| Average equity | $17,416,200 | 3,446 |
| Average total loans | $103,485,800 | 3,291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 2,572 |
| Cost of funding earning assets | 0.3784% | 3,387 |
| Net interest margin | 3.8326% | 2,276 |
| Noninterest income to average assets | 0.6991% | 2,005 |
| Noninterest expense to average assets | 2.7475% | 2,904 |
| Loan and lease loss provision to assets | 0.1998% | 951 |
| Net operating income to assets | 1.2598% | 1,470 |
| Return on assets (ROA) | 1.2235% | 1,630 |
| Pretax return on assets | 1.2235% | 2,811 |
| Return on Equity (ROE) | 11.7571% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.0465% | 2,862 |
| Net charge-offs to loans | 0.6706% | 289 |
| Credit loss provision to net charge-offs | 48.0620% | 2,933 |
| Earnings coverage of net charge-offs (x) | 3.5116% | 3,332 |
| Efficiency ratio | 62.7417% | 3,770 |
| Assets per employee ($millions) | 3.5357% | 4,679 |
| Cash dividends to net income (ytd only)* | 57.0770% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,300 |
| Loan loss allowance to noncurrent loans | 156.7319% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 1,926 |
| Noncurrent loans to loans | 0.8371% | 2,266 |
| Net loans and leases to total assets | 61.6482% | 3,695 |
| Net loans and leases to deposits | 69.7540% | 3,981 |
| Net loans and leases to core deposits | 71.0771% | 4,182 |
| Total domestic deposits to total assets | 88.3795% | 1,182 |
| Equity capital to assets | 10.8328% | 3,029 |
| Core capital (leverage) ratio | 10.8044% | 2,640 |
| Tier 1 risk-based capital ratio | 15.0126% | 2,910 |
| Total risk-based capital ratio | 16.1661% | 2,882 |
| Memoranda: | ||
| Average total assets | $165,531,250 | 3,320 |
| Average earning assets | $151,503,000 | 3,337 |
| Average equity | $17,226,000 | 3,499 |
| Average total loans | $102,592,500 | 3,339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 2,701 |
| Cost of funding earning assets | 0.3846% | 3,241 |
| Net interest margin | 3.7586% | 2,444 |
| Noninterest income to average assets | 0.6932% | 2,017 |
| Noninterest expense to average assets | 2.8951% | 2,440 |
| Loan and lease loss provision to assets | 0.2274% | 762 |
| Net operating income to assets | 1.0114% | 2,373 |
| Return on assets (ROA) | 0.9570% | 2,686 |
| Pretax return on assets | 0.9570% | 3,738 |
| Return on Equity (ROE) | 9.3238% | 2,347 |
| Retained earnings to average equity (ytd only) | 1.3320% | 4,721 |
| Net charge-offs to loans | 0.6576% | 297 |
| Credit loss provision to net charge-offs | 55.9524% | 2,495 |
| Earnings coverage of net charge-offs (x) | 3.0476% | 3,089 |
| Efficiency ratio | 67.4276% | 3,109 |
| Assets per employee ($millions) | 3.5179% | 4,695 |
| Cash dividends to net income (ytd only)* | 85.7143% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,596 |
| Loan loss allowance to noncurrent loans | 143.0403% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 1,516 |
| Noncurrent loans to loans | 1.0442% | 1,881 |
| Net loans and leases to total assets | 63.6564% | 3,440 |
| Net loans and leases to deposits | 72.0404% | 3,736 |
| Net loans and leases to core deposits | 73.5863% | 3,973 |
| Total domestic deposits to total assets | 88.3621% | 1,270 |
| Equity capital to assets | 10.8036% | 3,033 |
| Core capital (leverage) ratio | 10.5714% | 2,843 |
| Tier 1 risk-based capital ratio | 12.9519% | 4,029 |
| Total risk-based capital ratio | 14.1316% | 3,988 |
| Memoranda: | ||
| Average total assets | $165,315,000 | 3,336 |
| Average earning assets | $151,334,330 | 3,352 |
| Average equity | $16,967,330 | 3,534 |
| Average total loans | $102,187,000 | 3,358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 2,889 |
| Cost of funding earning assets | 0.3942% | 3,047 |
| Net interest margin | 3.6492% | 2,695 |
| Noninterest income to average assets | 0.6297% | 2,271 |
| Noninterest expense to average assets | 2.5356% | 3,704 |
| Loan and lease loss provision to assets | 0.3065% | 425 |
| Net operating income to assets | 1.1349% | 1,729 |
| Return on assets (ROA) | 1.0248% | 2,253 |
| Pretax return on assets | 1.0248% | 3,264 |
| Return on Equity (ROE) | 10.2457% | 1,850 |
| Retained earnings to average equity (ytd only) | -1.4602% | 5,123 |
| Net charge-offs to loans | 1.2912% | 133 |
| Credit loss provision to net charge-offs | 39.2638% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.8466% | 2,673 |
| Efficiency ratio | 61.0476% | 4,311 |
| Assets per employee ($millions) | 3.6184% | 4,616 |
| Cash dividends to net income (ytd only)* | 114.2523% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,813 |
| Loan loss allowance to noncurrent loans | 154.9180% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 1,811 |
| Noncurrent loans to loans | 0.9456% | 2,153 |
| Net loans and leases to total assets | 62.4642% | 3,473 |
| Net loans and leases to deposits | 70.3565% | 3,761 |
| Net loans and leases to core deposits | 72.1052% | 3,976 |
| Total domestic deposits to total assets | 88.7825% | 1,266 |
| Equity capital to assets | 10.3908% | 3,304 |
| Core capital (leverage) ratio | 10.2387% | 3,208 |
| Tier 1 risk-based capital ratio | 13.0331% | 4,055 |
| Total risk-based capital ratio | 14.1925% | 4,010 |
| Memoranda: | ||
| Average total assets | $167,060,000 | 3,343 |
| Average earning assets | $153,238,500 | 3,360 |
| Average equity | $16,709,500 | 3,582 |
| Average total loans | $100,993,500 | 3,404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 2,940 |
| Cost of funding earning assets | 0.3997% | 3,003 |
| Net interest margin | 3.6745% | 2,802 |
| Noninterest income to average assets | 0.6762% | 2,286 |
| Noninterest expense to average assets | 2.9199% | 2,604 |
| Loan and lease loss provision to assets | 0.1110% | 2,214 |
| Net operating income to assets | 1.0319% | 2,222 |
| Return on assets (ROA) | 1.0319% | 2,321 |
| Pretax return on assets | 1.0343% | 3,347 |
| Return on Equity (ROE) | 9.8851% | 2,008 |
| Retained earnings to average equity (ytd only) | 3.1002% | 3,697 |
| Net charge-offs to loans | 0.0488% | 3,067 |
| Credit loss provision to net charge-offs | 375.0000% | 833 |
| Earnings coverage of net charge-offs (x) | 38.7083% | 1,203 |
| Efficiency ratio | 69.4162% | 3,007 |
| Assets per employee ($millions) | 3.5686% | 4,656 |
| Cash dividends to net income (ytd only)* | 68.6380% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,077 |
| Loan loss allowance to noncurrent loans | 80.1688% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 842 |
| Noncurrent loans to loans | 2.1596% | 796 |
| Net loans and leases to total assets | 56.6611% | 4,202 |
| Net loans and leases to deposits | 63.2590% | 4,457 |
| Net loans and leases to core deposits | 64.5180% | 4,609 |
| Total domestic deposits to total assets | 89.5700% | 833 |
| Equity capital to assets | 9.6326% | 4,137 |
| Core capital (leverage) ratio | 10.2312% | 3,190 |
| Tier 1 risk-based capital ratio | 13.4133% | 3,827 |
| Total risk-based capital ratio | 14.6646% | 3,724 |
| Memoranda: | ||
| Average total assets | $162,229,800 | 3,373 |
| Average earning assets | $149,626,600 | 3,375 |
| Average equity | $16,934,600 | 3,560 |
| Average total loans | $98,331,800 | 3,419 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 2,793 |
| Cost of funding earning assets | 0.3920% | 3,105 |
| Net interest margin | 3.7300% | 2,594 |
| Noninterest income to average assets | 0.6801% | 2,264 |
| Noninterest expense to average assets | 2.8631% | 2,775 |
| Loan and lease loss provision to assets | 0.1500% | 1,561 |
| Net operating income to assets | 1.1061% | 1,973 |
| Return on assets (ROA) | 1.1061% | 2,075 |
| Pretax return on assets | 1.1094% | 3,189 |
| Return on Equity (ROE) | 10.3812% | 1,905 |
| Retained earnings to average equity (ytd only) | 4.2166% | 3,325 |
| Net charge-offs to loans | -0.1059% | 5,588 |
| Credit loss provision to net charge-offs | -230.7692% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2167% | 3,188 |
| Assets per employee ($millions) | 3.3993% | 4,909 |
| Cash dividends to net income (ytd only)* | 59.3820% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 897 |
| Loan loss allowance to noncurrent loans | 112.6380% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5363% | 1,151 |
| Noncurrent loans to loans | 1.6612% | 1,280 |
| Net loans and leases to total assets | 57.8050% | 4,115 |
| Net loans and leases to deposits | 65.5238% | 4,386 |
| Net loans and leases to core deposits | 66.7684% | 4,556 |
| Total domestic deposits to total assets | 88.2198% | 1,287 |
| Equity capital to assets | 11.0220% | 2,987 |
| Core capital (leverage) ratio | 10.3741% | 3,134 |
| Tier 1 risk-based capital ratio | 13.6727% | 3,760 |
| Total risk-based capital ratio | 14.9251% | 3,672 |
| Memoranda: | ||
| Average total assets | $159,963,750 | 3,411 |
| Average earning assets | $147,628,000 | 3,416 |
| Average equity | $17,043,250 | 3,574 |
| Average total loans | $98,223,000 | 3,421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 2,621 |
| Cost of funding earning assets | 0.3927% | 3,121 |
| Net interest margin | 3.7716% | 2,437 |
| Noninterest income to average assets | 0.5984% | 2,630 |
| Noninterest expense to average assets | 2.9677% | 2,456 |
| Loan and lease loss provision to assets | 0.1521% | 1,505 |
| Net operating income to assets | 0.9432% | 2,655 |
| Return on assets (ROA) | 0.9432% | 2,798 |
| Pretax return on assets | 0.9483% | 3,778 |
| Return on Equity (ROE) | 8.9613% | 2,510 |
| Retained earnings to average equity (ytd only) | 1.0359% | 4,976 |
| Net charge-offs to loans | 0.0204% | 3,084 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 86.8000% | 653 |
| Efficiency ratio | 71.9227% | 2,668 |
| Assets per employee ($millions) | 3.9581% | 3,988 |
| Cash dividends to net income (ytd only)* | 88.4409% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 1,383 |
| Loan loss allowance to noncurrent loans | 206.8627% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 2,026 |
| Noncurrent loans to loans | 0.8004% | 2,745 |
| Net loans and leases to total assets | 60.3142% | 3,843 |
| Net loans and leases to deposits | 68.2144% | 4,161 |
| Net loans and leases to core deposits | 69.6270% | 4,352 |
| Total domestic deposits to total assets | 88.4186% | 1,216 |
| Equity capital to assets | 10.8114% | 3,271 |
| Core capital (leverage) ratio | 10.1482% | 3,388 |
| Tier 1 risk-based capital ratio | 13.2216% | 4,067 |
| Total risk-based capital ratio | 14.4731% | 3,979 |
| Memoranda: | ||
| Average total assets | $157,762,670 | 3,452 |
| Average earning assets | $145,137,000 | 3,466 |
| Average equity | $16,604,670 | 3,644 |
| Average total loans | $98,257,330 | 3,437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 3,535 |
| Cost of funding earning assets | 0.3855% | 3,237 |
| Net interest margin | 3.5292% | 3,360 |
| Noninterest income to average assets | 0.5524% | 2,795 |
| Noninterest expense to average assets | 2.5768% | 3,822 |
| Loan and lease loss provision to assets | 0.1563% | 1,340 |
| Net operating income to assets | 1.0526% | 2,077 |
| Return on assets (ROA) | 1.0526% | 2,185 |
| Pretax return on assets | 1.0630% | 3,231 |
| Return on Equity (ROE) | 10.1504% | 1,928 |
| Retained earnings to average equity (ytd only) | 0.1005% | 5,082 |
| Net charge-offs to loans | -0.0539% | 5,366 |
| Credit loss provision to net charge-offs | -461.5385% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7124% | 3,684 |
| Assets per employee ($millions) | 4.1066% | 3,751 |
| Cash dividends to net income (ytd only)* | 99.0099% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,592 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 1,804 |
| Noncurrent loans to loans | 1.1230% | 2,149 |
| Net loans and leases to total assets | 61.6090% | 3,583 |
| Net loans and leases to deposits | 69.6106% | 3,890 |
| Net loans and leases to core deposits | 70.9502% | 4,162 |
| Total domestic deposits to total assets | 88.5052% | 1,353 |
| Equity capital to assets | 10.7101% | 3,242 |
| Core capital (leverage) ratio | 10.1986% | 3,315 |
| Tier 1 risk-based capital ratio | 13.0857% | 4,206 |
| Total risk-based capital ratio | 14.3366% | 4,126 |
| Memoranda: | ||
| Average total assets | $153,523,500 | 3,524 |
| Average earning assets | $141,110,000 | 3,540 |
| Average equity | $15,920,500 | 3,745 |
| Average total loans | $96,408,500 | 3,484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,174 |
| Cost of funding earning assets | 0.4392% | 2,746 |
| Net interest margin | 3.8764% | 2,108 |
| Noninterest income to average assets | 0.5893% | 2,778 |
| Noninterest expense to average assets | 2.8297% | 3,108 |
| Loan and lease loss provision to assets | 0.1305% | 1,833 |
| Net operating income to assets | 1.2714% | 1,339 |
| Return on assets (ROA) | 1.2714% | 1,390 |
| Pretax return on assets | 1.1923% | 2,688 |
| Return on Equity (ROE) | 12.4897% | 1,181 |
| Retained earnings to average equity (ytd only) | 3.5675% | 3,523 |
| Net charge-offs to loans | 0.0319% | 3,581 |
| Credit loss provision to net charge-offs | 642.8571% | 524 |
| Earnings coverage of net charge-offs (x) | 65.1786% | 822 |
| Efficiency ratio | 66.9750% | 3,753 |
| Assets per employee ($millions) | 4.3267% | 3,346 |
| Cash dividends to net income (ytd only)* | 71.4367% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 1,622 |
| Loan loss allowance to noncurrent loans | 110.7088% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 1,491 |
| Noncurrent loans to loans | 1.4428% | 1,619 |
| Net loans and leases to total assets | 62.0022% | 3,565 |
| Net loans and leases to deposits | 69.5838% | 3,962 |
| Net loans and leases to core deposits | 70.9996% | 4,212 |
| Total domestic deposits to total assets | 89.1044% | 1,068 |
| Equity capital to assets | 9.9788% | 3,982 |
| Core capital (leverage) ratio | 10.0262% | 3,474 |
| Tier 1 risk-based capital ratio | 12.4374% | 4,674 |
| Total risk-based capital ratio | 13.6873% | 4,568 |
| Memoranda: | ||
| Average total assets | $137,963,200 | 3,752 |
| Average earning assets | $126,818,800 | 3,763 |
| Average equity | $14,043,600 | 3,965 |
| Average total loans | $87,696,400 | 3,637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,133 |
| Cost of funding earning assets | 0.4391% | 2,812 |
| Net interest margin | 3.8931% | 2,054 |
| Noninterest income to average assets | 0.6045% | 2,713 |
| Noninterest expense to average assets | 2.7942% | 3,214 |
| Loan and lease loss provision to assets | 0.1755% | 1,209 |
| Net operating income to assets | 1.3201% | 1,291 |
| Return on assets (ROA) | 1.3201% | 1,350 |
| Pretax return on assets | 1.2138% | 2,757 |
| Return on Equity (ROE) | 12.9018% | 1,148 |
| Retained earnings to average equity (ytd only) | 0.9624% | 5,332 |
| Net charge-offs to loans | 0.0673% | 2,606 |
| Credit loss provision to net charge-offs | 409.0909% | 749 |
| Earnings coverage of net charge-offs (x) | 32.3837% | 1,419 |
| Efficiency ratio | 65.6257% | 3,955 |
| Assets per employee ($millions) | 3.5941% | 4,620 |
| Cash dividends to net income (ytd only)* | 92.5403% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 1,606 |
| Loan loss allowance to noncurrent loans | 132.6797% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 1,653 |
| Noncurrent loans to loans | 1.2448% | 2,047 |
| Net loans and leases to total assets | 61.9541% | 3,614 |
| Net loans and leases to deposits | 69.7689% | 4,010 |
| Net loans and leases to core deposits | 71.1176% | 4,266 |
| Total domestic deposits to total assets | 88.7990% | 1,129 |
| Equity capital to assets | 10.3099% | 3,801 |
| Core capital (leverage) ratio | 9.9035% | 3,767 |
| Tier 1 risk-based capital ratio | 12.1921% | 4,968 |
| Total risk-based capital ratio | 13.4425% | 4,869 |
| Memoranda: | ||
| Average total assets | $136,758,500 | 3,810 |
| Average earning assets | $125,723,250 | 3,816 |
| Average equity | $13,992,500 | 4,022 |
| Average total loans | $87,129,250 | 3,695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,037 |
| Cost of funding earning assets | 0.4274% | 2,957 |
| Net interest margin | 3.9152% | 1,925 |
| Noninterest income to average assets | 0.5716% | 2,896 |
| Noninterest expense to average assets | 2.7642% | 3,368 |
| Loan and lease loss provision to assets | 0.1754% | 1,185 |
| Net operating income to assets | 1.3931% | 1,103 |
| Return on assets (ROA) | 1.3931% | 1,140 |
| Pretax return on assets | 1.2337% | 2,632 |
| Return on Equity (ROE) | 13.6504% | 972 |
| Retained earnings to average equity (ytd only) | 4.3400% | 3,257 |
| Net charge-offs to loans | -0.1097% | 5,819 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0788% | 4,179 |
| Assets per employee ($millions) | 3.9539% | 3,973 |
| Cash dividends to net income (ytd only)* | 68.2057% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 1,656 |
| Loan loss allowance to noncurrent loans | 208.4648% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 2,014 |
| Noncurrent loans to loans | 0.8061% | 3,101 |
| Net loans and leases to total assets | 61.4323% | 3,635 |
| Net loans and leases to deposits | 69.1527% | 4,022 |
| Net loans and leases to core deposits | 70.7703% | 4,250 |
| Total domestic deposits to total assets | 88.8357% | 1,227 |
| Equity capital to assets | 10.1736% | 3,835 |
| Core capital (leverage) ratio | 10.0611% | 3,515 |
| Tier 1 risk-based capital ratio | 12.3628% | 4,903 |
| Total risk-based capital ratio | 13.6135% | 4,802 |
| Memoranda: | ||
| Average total assets | $136,819,000 | 3,838 |
| Average earning assets | $125,869,330 | 3,849 |
| Average equity | $13,963,000 | 4,049 |
| Average total loans | $87,493,670 | 3,700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,132 |
| Cost of funding earning assets | 0.4114% | 3,177 |
| Net interest margin | 3.8782% | 1,970 |
| Noninterest income to average assets | 0.5881% | 2,712 |
| Noninterest expense to average assets | 2.6876% | 3,633 |
| Loan and lease loss provision to assets | 0.1764% | 1,099 |
| Net operating income to assets | 0.9204% | 2,653 |
| Return on assets (ROA) | 0.9204% | 2,773 |
| Pretax return on assets | 1.2997% | 2,287 |
| Return on Equity (ROE) | 9.0767% | 2,410 |
| Retained earnings to average equity (ytd only) | -2.5229% | 5,749 |
| Net charge-offs to loans | -0.0954% | 5,836 |
| Credit loss provision to net charge-offs | -285.7143% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3475% | 4,580 |
| Assets per employee ($millions) | 3.6149% | 4,694 |
| Cash dividends to net income (ytd only)* | 127.7955% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 2,357 |
| Loan loss allowance to noncurrent loans | 90.7039% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 2,067 |
| Noncurrent loans to loans | 1.6793% | 1,647 |
| Net loans and leases to total assets | 64.2925% | 3,052 |
| Net loans and leases to deposits | 72.9631% | 3,437 |
| Net loans and leases to core deposits | 74.8987% | 3,698 |
| Total domestic deposits to total assets | 88.1164% | 1,752 |
| Equity capital to assets | 10.0694% | 4,059 |
| Core capital (leverage) ratio | 9.9647% | 3,646 |
| Tier 1 risk-based capital ratio | 11.8249% | 5,355 |
| Total risk-based capital ratio | 13.0310% | 5,285 |
| Memoranda: | ||
| Average total assets | $136,034,500 | 3,879 |
| Average earning assets | $125,417,500 | 3,881 |
| Average equity | $13,793,500 | 4,107 |
| Average total loans | $88,006,500 | 3,697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,956 |
| Cost of funding earning assets | 0.4360% | 3,325 |
| Net interest margin | 4.0438% | 1,760 |
| Noninterest income to average assets | 0.6435% | 2,598 |
| Noninterest expense to average assets | 2.9580% | 2,973 |
| Loan and lease loss provision to assets | 0.1028% | 2,437 |
| Net operating income to assets | 0.9086% | 2,832 |
| Return on assets (ROA) | 0.9086% | 2,923 |
| Pretax return on assets | 1.3122% | 2,201 |
| Return on Equity (ROE) | 9.1045% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.0061% | 1,929 |
| Net charge-offs to loans | 0.5771% | 695 |
| Credit loss provision to net charge-offs | 27.8926% | 3,868 |
| Earnings coverage of net charge-offs (x) | 3.8388% | 3,799 |
| Efficiency ratio | 66.4925% | 4,156 |
| Assets per employee ($millions) | 3.7418% | 4,459 |
| Cash dividends to net income (ytd only)* | 34.0319% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,530 |
| Loan loss allowance to noncurrent loans | 100.3123% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 2,470 |
| Noncurrent loans to loans | 1.4838% | 1,976 |
| Net loans and leases to total assets | 63.1359% | 3,340 |
| Net loans and leases to deposits | 71.1539% | 3,773 |
| Net loans and leases to core deposits | 72.6206% | 4,067 |
| Total domestic deposits to total assets | 88.7315% | 1,400 |
| Equity capital to assets | 10.2114% | 3,840 |
| Core capital (leverage) ratio | 10.1853% | 3,328 |
| Tier 1 risk-based capital ratio | 11.4946% | 5,667 |
| Total risk-based capital ratio | 12.6001% | 5,660 |
| Memoranda: | ||
| Average total assets | $131,304,000 | 3,950 |
| Average earning assets | $121,099,800 | 3,937 |
| Average equity | $13,103,400 | 4,171 |
| Average total loans | $83,867,000 | 3,771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 1,875 |
| Cost of funding earning assets | 0.4410% | 3,358 |
| Net interest margin | 4.0577% | 1,700 |
| Noninterest income to average assets | 0.6418% | 2,616 |
| Noninterest expense to average assets | 2.8903% | 3,157 |
| Loan and lease loss provision to assets | 0.1226% | 2,035 |
| Net operating income to assets | 0.9617% | 2,637 |
| Return on assets (ROA) | 0.9617% | 2,709 |
| Pretax return on assets | 1.3716% | 2,115 |
| Return on Equity (ROE) | 9.6955% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.5123% | 2,739 |
| Net charge-offs to loans | 0.1249% | 2,554 |
| Credit loss provision to net charge-offs | 153.8462% | 1,548 |
| Earnings coverage of net charge-offs (x) | 18.7431% | 1,824 |
| Efficiency ratio | 64.7552% | 4,423 |
| Assets per employee ($millions) | 3.6182% | 4,644 |
| Cash dividends to net income (ytd only)* | 43.1454% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 1,264 |
| Loan loss allowance to noncurrent loans | 82.4889% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.6376% | 1,848 |
| Noncurrent loans to loans | 2.4223% | 1,228 |
| Net loans and leases to total assets | 63.1459% | 3,326 |
| Net loans and leases to deposits | 70.6791% | 3,841 |
| Net loans and leases to core deposits | 72.0259% | 4,149 |
| Total domestic deposits to total assets | 89.3416% | 1,050 |
| Equity capital to assets | 10.2707% | 3,824 |
| Core capital (leverage) ratio | 10.0477% | 3,607 |
| Tier 1 risk-based capital ratio | 12.0983% | 5,428 |
| Total risk-based capital ratio | 13.3524% | 5,344 |
| Memoranda: | ||
| Average total assets | $130,454,250 | 3,997 |
| Average earning assets | $120,327,500 | 3,979 |
| Average equity | $12,940,500 | 4,230 |
| Average total loans | $83,251,000 | 3,814 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,040 |
| Cost of funding earning assets | 0.4386% | 3,453 |
| Net interest margin | 4.0008% | 1,798 |
| Noninterest income to average assets | 0.6328% | 2,644 |
| Noninterest expense to average assets | 2.8930% | 3,189 |
| Loan and lease loss provision to assets | 0.1149% | 2,118 |
| Net operating income to assets | 0.8979% | 2,823 |
| Return on assets (ROA) | 0.8979% | 2,916 |
| Pretax return on assets | 1.3147% | 2,203 |
| Return on Equity (ROE) | 9.1601% | 2,522 |
| Retained earnings to average equity (ytd only) | 2.8137% | 4,412 |
| Net charge-offs to loans | -0.0289% | 5,672 |
| Credit loss provision to net charge-offs | -625.0000% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7568% | 4,396 |
| Assets per employee ($millions) | 3.6427% | 4,566 |
| Cash dividends to net income (ytd only)* | 69.2833% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 1,236 |
| Loan loss allowance to noncurrent loans | 83.9103% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 1,999 |
| Noncurrent loans to loans | 2.4693% | 1,262 |
| Net loans and leases to total assets | 62.0272% | 3,398 |
| Net loans and leases to deposits | 69.4573% | 3,888 |
| Net loans and leases to core deposits | 71.0747% | 4,144 |
| Total domestic deposits to total assets | 89.3027% | 1,202 |
| Equity capital to assets | 9.9858% | 4,124 |
| Core capital (leverage) ratio | 9.8591% | 3,805 |
| Tier 1 risk-based capital ratio | 11.6376% | 5,722 |
| Total risk-based capital ratio | 12.8919% | 5,672 |
| Memoranda: | ||
| Average total assets | $130,521,000 | 4,023 |
| Average earning assets | $120,376,330 | 3,999 |
| Average equity | $12,794,670 | 4,267 |
| Average total loans | $83,025,670 | 3,832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 2,008 |
| Cost of funding earning assets | 0.4466% | 3,465 |
| Net interest margin | 3.9890% | 1,806 |
| Noninterest income to average assets | 0.5468% | 3,070 |
| Noninterest expense to average assets | 3.0350% | 2,749 |
| Loan and lease loss provision to assets | 0.0922% | 2,378 |
| Net operating income to assets | 0.6574% | 3,905 |
| Return on assets (ROA) | 0.6574% | 4,005 |
| Pretax return on assets | 1.0967% | 2,918 |
| Return on Equity (ROE) | 6.7697% | 3,599 |
| Retained earnings to average equity (ytd only) | -6.0738% | 6,189 |
| Net charge-offs to loans | -0.0241% | 5,443 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6182% | 3,721 |
| Assets per employee ($millions) | 3.7212% | 4,478 |
| Cash dividends to net income (ytd only)* | 189.7196% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 1,470 |
| Loan loss allowance to noncurrent loans | 89.5867% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 2,315 |
| Noncurrent loans to loans | 2.2566% | 1,599 |
| Net loans and leases to total assets | 62.1059% | 3,224 |
| Net loans and leases to deposits | 68.9453% | 3,747 |
| Net loans and leases to core deposits | 70.8723% | 3,998 |
| Total domestic deposits to total assets | 90.0800% | 1,027 |
| Equity capital to assets | 9.6850% | 4,249 |
| Core capital (leverage) ratio | 9.5372% | 4,226 |
| Tier 1 risk-based capital ratio | 11.2837% | 6,028 |
| Total risk-based capital ratio | 12.6608% | 5,912 |
| Memoranda: | ||
| Average total assets | $130,213,500 | 4,064 |
| Average earning assets | $120,031,000 | 4,040 |
| Average equity | $12,644,500 | 4,312 |
| Average total loans | $83,008,000 | 3,858 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 2,117 |
| Cost of funding earning assets | 0.5004% | 3,607 |
| Net interest margin | 4.0233% | 1,890 |
| Noninterest income to average assets | 0.6695% | 2,707 |
| Noninterest expense to average assets | 2.7066% | 4,074 |
| Loan and lease loss provision to assets | 0.2849% | 1,210 |
| Net operating income to assets | 0.8808% | 2,874 |
| Return on assets (ROA) | 0.8808% | 2,964 |
| Pretax return on assets | 1.3557% | 1,944 |
| Return on Equity (ROE) | 8.9178% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.0158% | 2,579 |
| Net charge-offs to loans | 0.5609% | 1,172 |
| Credit loss provision to net charge-offs | 77.9221% | 3,095 |
| Earnings coverage of net charge-offs (x) | 4.4870% | 3,553 |
| Efficiency ratio | 61.0595% | 5,351 |
| Assets per employee ($millions) | 3.8290% | 4,203 |
| Cash dividends to net income (ytd only)* | 43.7556% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,652 |
| Loan loss allowance to noncurrent loans | 88.9010% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 2,459 |
| Noncurrent loans to loans | 2.2023% | 1,772 |
| Net loans and leases to total assets | 62.8529% | 3,225 |
| Net loans and leases to deposits | 69.7570% | 3,812 |
| Net loans and leases to core deposits | 71.5491% | 4,122 |
| Total domestic deposits to total assets | 90.1025% | 1,027 |
| Equity capital to assets | 9.7361% | 4,121 |
| Core capital (leverage) ratio | 9.6846% | 4,010 |
| Tier 1 risk-based capital ratio | 11.4325% | 5,942 |
| Total risk-based capital ratio | 12.8101% | 5,818 |
| Memoranda: | ||
| Average total assets | $126,357,200 | 4,137 |
| Average earning assets | $115,503,400 | 4,147 |
| Average equity | $12,480,600 | 4,360 |
| Average total loans | $82,372,600 | 3,872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 2,042 |
| Cost of funding earning assets | 0.5097% | 3,677 |
| Net interest margin | 4.0391% | 1,823 |
| Noninterest income to average assets | 0.6985% | 2,617 |
| Noninterest expense to average assets | 2.6421% | 4,238 |
| Loan and lease loss provision to assets | 0.3828% | 809 |
| Net operating income to assets | 0.8772% | 2,955 |
| Return on assets (ROA) | 0.8772% | 3,069 |
| Pretax return on assets | 1.3556% | 2,093 |
| Return on Equity (ROE) | 8.8479% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.6250% | 4,113 |
| Net charge-offs to loans | 0.3280% | 1,901 |
| Credit loss provision to net charge-offs | 178.2178% | 1,353 |
| Earnings coverage of net charge-offs (x) | 8.0940% | 2,682 |
| Efficiency ratio | 59.1019% | 5,543 |
| Assets per employee ($millions) | 3.4868% | 4,875 |
| Cash dividends to net income (ytd only)* | 59.0307% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3350% | 1,130 |
| Loan loss allowance to noncurrent loans | 110.1803% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4491% | 2,775 |
| Noncurrent loans to loans | 2.1193% | 2,105 |
| Net loans and leases to total assets | 63.1098% | 3,146 |
| Net loans and leases to deposits | 70.2804% | 3,743 |
| Net loans and leases to core deposits | 72.3227% | 4,054 |
| Total domestic deposits to total assets | 89.7972% | 1,107 |
| Equity capital to assets | 9.9917% | 3,911 |
| Core capital (leverage) ratio | 9.6738% | 4,137 |
| Tier 1 risk-based capital ratio | 9.7212% | 6,653 |
| Total risk-based capital ratio | 10.9743% | 6,636 |
| Memoranda: | ||
| Average total assets | $125,400,250 | 4,197 |
| Average earning assets | $114,313,000 | 4,217 |
| Average equity | $12,432,000 | 4,410 |
| Average total loans | $82,101,000 | 3,905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,809 |
| Cost of funding earning assets | 0.5213% | 3,694 |
| Net interest margin | 4.0914% | 1,568 |
| Noninterest income to average assets | 0.6717% | 2,782 |
| Noninterest expense to average assets | 2.6308% | 4,279 |
| Loan and lease loss provision to assets | 0.3829% | 835 |
| Net operating income to assets | 0.8982% | 2,808 |
| Return on assets (ROA) | 0.8982% | 2,952 |
| Pretax return on assets | 1.3768% | 2,015 |
| Return on Equity (ROE) | 9.0841% | 2,573 |
| Retained earnings to average equity (ytd only) | 1.2263% | 5,410 |
| Net charge-offs to loans | 0.4950% | 1,317 |
| Credit loss provision to net charge-offs | 117.6471% | 1,886 |
| Earnings coverage of net charge-offs (x) | 5.4069% | 2,900 |
| Efficiency ratio | 58.7209% | 5,640 |
| Assets per employee ($millions) | 3.5504% | 4,755 |
| Cash dividends to net income (ytd only)* | 86.5009% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1352% | 1,553 |
| Loan loss allowance to noncurrent loans | 104.1128% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,637 |
| Noncurrent loans to loans | 2.0509% | 2,336 |
| Net loans and leases to total assets | 63.5418% | 2,998 |
| Net loans and leases to deposits | 71.7025% | 3,493 |
| Net loans and leases to core deposits | 74.1428% | 3,791 |
| Total domestic deposits to total assets | 88.6187% | 1,832 |
| Equity capital to assets | 9.6045% | 4,446 |
| Core capital (leverage) ratio | 9.5553% | 4,153 |
| Tier 1 risk-based capital ratio | 10.3239% | 6,562 |
| Total risk-based capital ratio | 11.5776% | 6,532 |
| Memoranda: | ||
| Average total assets | $125,359,000 | 4,235 |
| Average earning assets | $113,947,330 | 4,258 |
| Average equity | $12,395,330 | 4,443 |
| Average total loans | $82,430,670 | 3,918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 1,677 |
| Cost of funding earning assets | 0.5557% | 3,512 |
| Net interest margin | 4.0932% | 1,480 |
| Noninterest income to average assets | 0.6735% | 2,732 |
| Noninterest expense to average assets | 2.8132% | 3,649 |
| Loan and lease loss provision to assets | 0.3867% | 813 |
| Net operating income to assets | 0.6928% | 3,728 |
| Return on assets (ROA) | 0.6928% | 3,873 |
| Pretax return on assets | 1.1762% | 2,661 |
| Return on Equity (ROE) | 6.9049% | 3,542 |
| Retained earnings to average equity (ytd only) | -8.7354% | 6,564 |
| Net charge-offs to loans | 0.3214% | 1,678 |
| Credit loss provision to net charge-offs | 181.8182% | 1,177 |
| Earnings coverage of net charge-offs (x) | 7.3485% | 2,083 |
| Efficiency ratio | 63.0339% | 5,149 |
| Assets per employee ($millions) | 3.4809% | 5,018 |
| Cash dividends to net income (ytd only)* | 226.5116% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1735% | 1,644 |
| Loan loss allowance to noncurrent loans | 117.0700% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 2,804 |
| Noncurrent loans to loans | 1.8566% | 2,791 |
| Net loans and leases to total assets | 64.2923% | 2,649 |
| Net loans and leases to deposits | 71.6926% | 3,226 |
| Net loans and leases to core deposits | 74.5023% | 3,517 |
| Total domestic deposits to total assets | 89.6778% | 1,247 |
| Equity capital to assets | 9.8722% | 4,315 |
| Core capital (leverage) ratio | 9.3678% | 4,289 |
| Tier 1 risk-based capital ratio | 9.9475% | 6,699 |
| Total risk-based capital ratio | 11.2014% | 6,690 |
| Memoranda: | ||
| Average total assets | $124,131,000 | 4,303 |
| Average earning assets | $112,285,000 | 4,329 |
| Average equity | $12,455,000 | 4,482 |
| Average total loans | $82,152,000 | 3,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 835 |
| Cost of funding earning assets | 0.6802% | 3,650 |
| Net interest margin | 4.6649% | 697 |
| Noninterest income to average assets | 0.4097% | 4,531 |
| Noninterest expense to average assets | 2.8818% | 3,712 |
| Loan and lease loss provision to assets | 0.4005% | 1,621 |
| Net operating income to assets | 0.8610% | 2,999 |
| Return on assets (ROA) | 0.8610% | 3,238 |
| Pretax return on assets | 1.3616% | 2,171 |
| Return on Equity (ROE) | 8.4743% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.1404% | 2,613 |
| Net charge-offs to loans | 0.6130% | 1,906 |
| Credit loss provision to net charge-offs | 94.8617% | 3,281 |
| Earnings coverage of net charge-offs (x) | 4.1739% | 3,451 |
| Efficiency ratio | 60.8696% | 5,406 |
| Assets per employee ($millions) | 3.5129% | 4,982 |
| Cash dividends to net income (ytd only)* | 39.3411% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1184% | 1,715 |
| Loan loss allowance to noncurrent loans | 117.1390% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4534% | 3,197 |
| Noncurrent loans to loans | 1.8085% | 2,904 |
| Net loans and leases to total assets | 65.2395% | 2,664 |
| Net loans and leases to deposits | 72.9565% | 3,255 |
| Net loans and leases to core deposits | 75.7990% | 3,560 |
| Total domestic deposits to total assets | 89.4225% | 1,288 |
| Equity capital to assets | 10.1985% | 3,890 |
| Core capital (leverage) ratio | 9.6127% | 3,941 |
| Tier 1 risk-based capital ratio | 10.5532% | 6,534 |
| Total risk-based capital ratio | 11.8071% | 6,498 |
| Memoranda: | ||
| Average total assets | $119,857,400 | 4,367 |
| Average earning assets | $108,791,200 | 4,375 |
| Average equity | $12,178,000 | 4,530 |
| Average total loans | $82,540,000 | 3,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 884 |
| Cost of funding earning assets | 0.7054% | 3,713 |
| Net interest margin | 4.6665% | 719 |
| Noninterest income to average assets | 0.4210% | 4,475 |
| Noninterest expense to average assets | 2.7599% | 4,135 |
| Loan and lease loss provision to assets | 0.4031% | 1,590 |
| Net operating income to assets | 1.0054% | 2,472 |
| Return on assets (ROA) | 1.0054% | 2,704 |
| Pretax return on assets | 1.5093% | 1,848 |
| Return on Equity (ROE) | 9.9051% | 2,387 |
| Retained earnings to average equity (ytd only) | 5.4268% | 3,082 |
| Net charge-offs to loans | 0.7272% | 1,520 |
| Credit loss provision to net charge-offs | 79.8226% | 3,622 |
| Earnings coverage of net charge-offs (x) | 3.7871% | 3,511 |
| Efficiency ratio | 57.8720% | 5,810 |
| Assets per employee ($millions) | 3.4907% | 4,996 |
| Cash dividends to net income (ytd only)* | 45.2117% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 2,055 |
| Loan loss allowance to noncurrent loans | 93.4564% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.0241% | 2,607 |
| Noncurrent loans to loans | 2.1858% | 2,638 |
| Net loans and leases to total assets | 65.5871% | 2,727 |
| Net loans and leases to deposits | 73.4150% | 3,381 |
| Net loans and leases to core deposits | 76.1398% | 3,707 |
| Total domestic deposits to total assets | 89.3374% | 1,222 |
| Equity capital to assets | 10.2059% | 4,195 |
| Core capital (leverage) ratio | 9.5131% | 4,247 |
| Tier 1 risk-based capital ratio | 9.7343% | 6,857 |
| Total risk-based capital ratio | 10.9864% | 6,850 |
| Memoranda: | ||
| Average total assets | $119,084,250 | 4,422 |
| Average earning assets | $108,488,000 | 4,426 |
| Average equity | $12,087,750 | 4,592 |
| Average total loans | $82,688,000 | 3,998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 699 |
| Cost of funding earning assets | 0.7348% | 3,726 |
| Net interest margin | 4.7792% | 581 |
| Noninterest income to average assets | 0.4913% | 3,975 |
| Noninterest expense to average assets | 2.8428% | 3,858 |
| Loan and lease loss provision to assets | 0.4066% | 1,610 |
| Net operating income to assets | 1.0859% | 2,100 |
| Return on assets (ROA) | 1.0859% | 2,321 |
| Pretax return on assets | 1.5942% | 1,566 |
| Return on Equity (ROE) | 10.7185% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.9295% | 4,000 |
| Net charge-offs to loans | 0.7158% | 1,548 |
| Credit loss provision to net charge-offs | 80.8081% | 3,297 |
| Earnings coverage of net charge-offs (x) | 3.9764% | 3,211 |
| Efficiency ratio | 57.5376% | 5,928 |
| Assets per employee ($millions) | 3.3909% | 5,229 |
| Cash dividends to net income (ytd only)* | 63.3385% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 2,092 |
| Loan loss allowance to noncurrent loans | 68.8889% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2927% | 2,443 |
| Noncurrent loans to loans | 2.9864% | 1,985 |
| Net loans and leases to total assets | 68.3923% | 2,218 |
| Net loans and leases to deposits | 76.5625% | 2,907 |
| Net loans and leases to core deposits | 79.8289% | 3,244 |
| Total domestic deposits to total assets | 89.3287% | 1,314 |
| Equity capital to assets | 10.2348% | 4,011 |
| Core capital (leverage) ratio | 9.4969% | 4,145 |
| Tier 1 risk-based capital ratio | 10.7814% | 6,588 |
| Total risk-based capital ratio | 12.0360% | 6,571 |
| Memoranda: | ||
| Average total assets | $118,054,000 | 4,465 |
| Average earning assets | $107,507,000 | 4,473 |
| Average equity | $11,960,670 | 4,614 |
| Average total loans | $82,983,330 | 4,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 522 |
| Cost of funding earning assets | 0.7541% | 3,832 |
| Net interest margin | 4.9390% | 444 |
| Noninterest income to average assets | 0.5775% | 3,356 |
| Noninterest expense to average assets | 2.8130% | 3,979 |
| Loan and lease loss provision to assets | 0.4077% | 1,548 |
| Net operating income to assets | 1.3419% | 1,343 |
| Return on assets (ROA) | 1.3419% | 1,502 |
| Pretax return on assets | 1.8515% | 973 |
| Return on Equity (ROE) | 13.3137% | 1,320 |
| Retained earnings to average equity (ytd only) | -0.3708% | 6,060 |
| Net charge-offs to loans | -0.0482% | 6,517 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3202% | 6,313 |
| Assets per employee ($millions) | 4.0974% | 3,805 |
| Cash dividends to net income (ytd only)* | 102.7848% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3035% | 1,671 |
| Loan loss allowance to noncurrent loans | 71.4232% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 2,256 |
| Noncurrent loans to loans | 3.2251% | 1,991 |
| Net loans and leases to total assets | 67.5307% | 2,199 |
| Net loans and leases to deposits | 75.3295% | 2,920 |
| Net loans and leases to core deposits | 77.8282% | 3,354 |
| Total domestic deposits to total assets | 89.6470% | 1,270 |
| Equity capital to assets | 9.9961% | 4,126 |
| Core capital (leverage) ratio | 9.3656% | 4,251 |
| Tier 1 risk-based capital ratio | 10.7537% | 6,643 |
| Total risk-based capital ratio | 12.0114% | 6,627 |
| Memoranda: | ||
| Average total assets | $117,739,500 | 4,499 |
| Average earning assets | $107,148,000 | 4,509 |
| Average equity | $11,867,500 | 4,642 |
| Average total loans | $83,037,500 | 4,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 1,203 |
| Cost of funding earning assets | 0.9237% | 3,929 |
| Net interest margin | 4.5587% | 1,000 |
| Noninterest income to average assets | 0.3973% | 4,636 |
| Noninterest expense to average assets | 2.8327% | 4,228 |
| Loan and lease loss provision to assets | 0.7255% | 1,401 |
| Net operating income to assets | 0.5585% | 4,194 |
| Return on assets (ROA) | 0.7432% | 3,450 |
| Pretax return on assets | 1.2493% | 2,300 |
| Return on Equity (ROE) | 7.7370% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.3460% | 3,841 |
| Net charge-offs to loans | 0.7035% | 2,399 |
| Credit loss provision to net charge-offs | 147.0085% | 1,943 |
| Earnings coverage of net charge-offs (x) | 3.4171% | 3,529 |
| Efficiency ratio | 61.4523% | 5,544 |
| Assets per employee ($millions) | 3.7630% | 4,405 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 2,008 |
| Loan loss allowance to noncurrent loans | 84.0649% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.2083% | 2,726 |
| Noncurrent loans to loans | 2.4971% | 2,627 |
| Net loans and leases to total assets | 70.4457% | 1,943 |
| Net loans and leases to deposits | 78.7068% | 2,727 |
| Net loans and leases to core deposits | 81.3167% | 3,279 |
| Total domestic deposits to total assets | 89.5039% | 1,266 |
| Equity capital to assets | 10.1643% | 3,952 |
| Core capital (leverage) ratio | 9.1296% | 4,577 |
| Tier 1 risk-based capital ratio | 10.8770% | 6,522 |
| Total risk-based capital ratio | 12.1339% | 6,493 |
| Memoranda: | ||
| Average total assets | $118,544,400 | 4,444 |
| Average earning assets | $107,180,600 | 4,473 |
| Average equity | $11,386,800 | 4,684 |
| Average total loans | $83,159,800 | 4,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 1,362 |
| Cost of funding earning assets | 0.9498% | 4,049 |
| Net interest margin | 4.5112% | 1,120 |
| Noninterest income to average assets | 0.3294% | 5,230 |
| Noninterest expense to average assets | 2.8298% | 4,237 |
| Loan and lease loss provision to assets | 0.5377% | 1,833 |
| Net operating income to assets | 0.5554% | 4,294 |
| Return on assets (ROA) | 0.5949% | 4,291 |
| Pretax return on assets | 1.0990% | 3,018 |
| Return on Equity (ROE) | 6.2824% | 3,885 |
| Retained earnings to average equity (ytd only) | 0.3668% | 5,845 |
| Net charge-offs to loans | 0.6027% | 2,447 |
| Credit loss provision to net charge-offs | 128.0000% | 2,495 |
| Earnings coverage of net charge-offs (x) | 3.7493% | 3,314 |
| Efficiency ratio | 62.9705% | 5,244 |
| Assets per employee ($millions) | 3.5160% | 4,950 |
| Cash dividends to net income (ytd only)* | 94.1623% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,454 |
| Loan loss allowance to noncurrent loans | 80.5668% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 2,899 |
| Noncurrent loans to loans | 2.4281% | 2,850 |
| Net loans and leases to total assets | 66.7431% | 2,729 |
| Net loans and leases to deposits | 74.3286% | 3,610 |
| Net loans and leases to core deposits | 76.2967% | 4,163 |
| Total domestic deposits to total assets | 89.7946% | 984 |
| Equity capital to assets | 9.7796% | 4,654 |
| Core capital (leverage) ratio | 8.8999% | 5,102 |
| Tier 1 risk-based capital ratio | 10.8879% | 6,610 |
| Total risk-based capital ratio | 12.1422% | 6,590 |
| Memoranda: | ||
| Average total assets | $119,017,250 | 4,458 |
| Average earning assets | $107,523,500 | 4,494 |
| Average equity | $11,269,250 | 4,739 |
| Average total loans | $82,965,000 | 4,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5098% | 1,279 |
| Cost of funding earning assets | 0.9743% | 4,128 |
| Net interest margin | 4.5355% | 1,041 |
| Noninterest income to average assets | 0.5049% | 3,826 |
| Noninterest expense to average assets | 2.9535% | 3,819 |
| Loan and lease loss provision to assets | 0.5049% | 1,941 |
| Net operating income to assets | 0.6644% | 3,719 |
| Return on assets (ROA) | 0.7237% | 3,540 |
| Pretax return on assets | 1.2285% | 2,378 |
| Return on Equity (ROE) | 7.7278% | 3,085 |
| Retained earnings to average equity (ytd only) | -1.2580% | 6,106 |
| Net charge-offs to loans | 0.3761% | 3,051 |
| Credit loss provision to net charge-offs | 191.0828% | 1,581 |
| Earnings coverage of net charge-offs (x) | 6.2102% | 2,441 |
| Efficiency ratio | 63.0769% | 5,388 |
| Assets per employee ($millions) | 3.4682% | 5,024 |
| Cash dividends to net income (ytd only)* | 116.2791% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 2,552 |
| Loan loss allowance to noncurrent loans | 63.6470% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 3.2132% | 2,087 |
| Noncurrent loans to loans | 3.0424% | 2,382 |
| Net loans and leases to total assets | 70.0034% | 2,218 |
| Net loans and leases to deposits | 77.9071% | 3,133 |
| Net loans and leases to core deposits | 81.6927% | 3,555 |
| Total domestic deposits to total assets | 89.8550% | 1,043 |
| Equity capital to assets | 9.5378% | 4,754 |
| Core capital (leverage) ratio | 8.9601% | 4,786 |
| Tier 1 risk-based capital ratio | 10.6100% | 6,749 |
| Total risk-based capital ratio | 11.8644% | 6,736 |
| Memoranda: | ||
| Average total assets | $118,841,330 | 4,492 |
| Average earning assets | $107,154,670 | 4,531 |
| Average equity | $11,128,670 | 4,776 |
| Average total loans | $83,493,330 | 4,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 1,417 |
| Cost of funding earning assets | 0.9675% | 4,448 |
| Net interest margin | 4.4879% | 1,099 |
| Noninterest income to average assets | 0.4627% | 4,167 |
| Noninterest expense to average assets | 2.7091% | 4,798 |
| Loan and lease loss provision to assets | 0.4023% | 2,183 |
| Net operating income to assets | 0.8979% | 2,572 |
| Return on assets (ROA) | 0.9086% | 2,578 |
| Pretax return on assets | 1.4115% | 1,696 |
| Return on Equity (ROE) | 9.7927% | 2,173 |
| Retained earnings to average equity (ytd only) | -8.2750% | 6,769 |
| Net charge-offs to loans | 0.0096% | 4,966 |
| Credit loss provision to net charge-offs | 6,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 113 |
| Efficiency ratio | 58.8542% | 6,148 |
| Assets per employee ($millions) | 3.4743% | 5,051 |
| Cash dividends to net income (ytd only)* | 184.5018% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,601 |
| Loan loss allowance to noncurrent loans | 147.5184% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 3,243 |
| Noncurrent loans to loans | 1.3072% | 4,515 |
| Net loans and leases to total assets | 69.1019% | 2,304 |
| Net loans and leases to deposits | 76.9930% | 3,255 |
| Net loans and leases to core deposits | 80.0494% | 3,751 |
| Total domestic deposits to total assets | 89.7509% | 1,325 |
| Equity capital to assets | 9.2781% | 4,768 |
| Core capital (leverage) ratio | 8.6277% | 5,213 |
| Tier 1 risk-based capital ratio | 10.5816% | 6,760 |
| Total risk-based capital ratio | 11.8456% | 6,732 |
| Memoranda: | ||
| Average total assets | $119,302,000 | 4,507 |
| Average earning assets | $107,488,000 | 4,540 |
| Average equity | $11,069,500 | 4,785 |
| Average total loans | $83,151,000 | 4,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7810% | 1,328 |
| Cost of funding earning assets | 1.3102% | 3,816 |
| Net interest margin | 4.4708% | 1,298 |
| Noninterest income to average assets | 0.4031% | 4,889 |
| Noninterest expense to average assets | 2.7001% | 4,989 |
| Loan and lease loss provision to assets | 0.8122% | 2,011 |
| Net operating income to assets | 0.5151% | 4,022 |
| Return on assets (ROA) | 0.6098% | 3,794 |
| Pretax return on assets | 1.0579% | 2,743 |
| Return on Equity (ROE) | 6.4470% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.2999% | 3,560 |
| Net charge-offs to loans | 0.3824% | 4,132 |
| Credit loss provision to net charge-offs | 302.2152% | 886 |
| Earnings coverage of net charge-offs (x) | 6.4082% | 2,368 |
| Efficiency ratio | 59.7885% | 6,081 |
| Assets per employee ($millions) | 3.5434% | 4,839 |
| Cash dividends to net income (ytd only)* | 48.8145% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,895 |
| Loan loss allowance to noncurrent loans | 97.3805% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.9473% | 3,416 |
| Noncurrent loans to loans | 1.8382% | 3,768 |
| Net loans and leases to total assets | 67.7158% | 3,055 |
| Net loans and leases to deposits | 75.0973% | 4,001 |
| Net loans and leases to core deposits | 77.4589% | 4,525 |
| Total domestic deposits to total assets | 90.1707% | 1,006 |
| Equity capital to assets | 9.2789% | 4,711 |
| Core capital (leverage) ratio | 8.7006% | 5,020 |
| Tier 1 risk-based capital ratio | 10.9200% | 6,392 |
| Total risk-based capital ratio | 12.1836% | 6,352 |
| Memoranda: | ||
| Average total assets | $117,587,800 | 4,534 |
| Average earning assets | $105,707,800 | 4,572 |
| Average equity | $11,121,400 | 4,836 |
| Average total loans | $82,625,800 | 4,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7256% | 1,627 |
| Cost of funding earning assets | 1.3699% | 3,781 |
| Net interest margin | 4.3557% | 1,661 |
| Noninterest income to average assets | 0.4951% | 4,226 |
| Noninterest expense to average assets | 2.6583% | 5,075 |
| Loan and lease loss provision to assets | 0.3080% | 4,116 |
| Net operating income to assets | 1.0342% | 2,127 |
| Return on assets (ROA) | 1.1238% | 1,926 |
| Pretax return on assets | 1.5710% | 1,416 |
| Return on Equity (ROE) | 11.8241% | 1,552 |
| Retained earnings to average equity (ytd only) | 7.6227% | 1,550 |
| Net charge-offs to loans | 0.1632% | 5,015 |
| Credit loss provision to net charge-offs | 267.3267% | 1,232 |
| Earnings coverage of net charge-offs (x) | 15.2281% | 1,451 |
| Efficiency ratio | 58.9452% | 6,111 |
| Assets per employee ($millions) | 3.5696% | 4,804 |
| Cash dividends to net income (ytd only)* | 35.5334% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,399 |
| Loan loss allowance to noncurrent loans | 55.5434% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 3,210 |
| Noncurrent loans to loans | 2.1919% | 3,458 |
| Net loans and leases to total assets | 67.9891% | 3,220 |
| Net loans and leases to deposits | 76.0806% | 4,162 |
| Net loans and leases to core deposits | 78.4912% | 4,744 |
| Total domestic deposits to total assets | 89.3646% | 1,191 |
| Equity capital to assets | 9.7810% | 4,440 |
| Core capital (leverage) ratio | 9.0852% | 4,548 |
| Tier 1 risk-based capital ratio | 11.5217% | 5,915 |
| Total risk-based capital ratio | 12.6089% | 6,033 |
| Memoranda: | ||
| Average total assets | $116,865,500 | 4,613 |
| Average earning assets | $105,116,000 | 4,637 |
| Average equity | $11,107,000 | 4,897 |
| Average total loans | $82,515,000 | 4,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6718% | 1,866 |
| Cost of funding earning assets | 1.3992% | 3,876 |
| Net interest margin | 4.2726% | 1,880 |
| Noninterest income to average assets | 0.5166% | 3,979 |
| Noninterest expense to average assets | 2.6906% | 4,946 |
| Loan and lease loss provision to assets | 0.3121% | 3,883 |
| Net operating income to assets | 0.9766% | 2,274 |
| Return on assets (ROA) | 1.1095% | 1,890 |
| Pretax return on assets | 1.5551% | 1,419 |
| Return on Equity (ROE) | 11.7947% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.3445% | 2,702 |
| Net charge-offs to loans | 0.3188% | 3,727 |
| Credit loss provision to net charge-offs | 137.4046% | 2,917 |
| Earnings coverage of net charge-offs (x) | 7.3969% | 2,306 |
| Efficiency ratio | 60.2539% | 6,004 |
| Assets per employee ($millions) | 3.4116% | 5,153 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,956 |
| Loan loss allowance to noncurrent loans | 41.7674% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 3,382 |
| Noncurrent loans to loans | 2.6244% | 3,014 |
| Net loans and leases to total assets | 67.8590% | 3,399 |
| Net loans and leases to deposits | 75.4441% | 4,431 |
| Net loans and leases to core deposits | 78.2363% | 4,909 |
| Total domestic deposits to total assets | 89.9460% | 942 |
| Equity capital to assets | 9.3949% | 4,868 |
| Core capital (leverage) ratio | 8.9464% | 4,689 |
| Tier 1 risk-based capital ratio | 11.4895% | 5,780 |
| Total risk-based capital ratio | 12.4800% | 5,997 |
| Memoranda: | ||
| Average total assets | $115,364,670 | 4,673 |
| Average earning assets | $104,058,330 | 4,691 |
| Average equity | $10,852,330 | 4,955 |
| Average total loans | $82,175,330 | 4,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 1,874 |
| Cost of funding earning assets | 1.4488% | 3,888 |
| Net interest margin | 4.2251% | 1,949 |
| Noninterest income to average assets | 0.5399% | 3,728 |
| Noninterest expense to average assets | 2.9538% | 3,844 |
| Loan and lease loss provision to assets | 0.3176% | 3,510 |
| Net operating income to assets | 0.6458% | 3,687 |
| Return on assets (ROA) | 0.6458% | 3,804 |
| Pretax return on assets | 1.0764% | 2,818 |
| Return on Equity (ROE) | 6.8607% | 3,413 |
| Retained earnings to average equity (ytd only) | -6.2608% | 6,681 |
| Net charge-offs to loans | 0.4374% | 2,737 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.3889% | 2,637 |
| Efficiency ratio | 66.5584% | 4,994 |
| Assets per employee ($millions) | 3.4220% | 5,226 |
| Cash dividends to net income (ytd only)* | 191.2568% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,238 |
| Loan loss allowance to noncurrent loans | 44.8915% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9906% | 3,514 |
| Noncurrent loans to loans | 2.3356% | 3,346 |
| Net loans and leases to total assets | 68.7859% | 3,202 |
| Net loans and leases to deposits | 76.0874% | 4,396 |
| Net loans and leases to core deposits | 78.7257% | 4,930 |
| Total domestic deposits to total assets | 90.4038% | 778 |
| Equity capital to assets | 9.0986% | 5,139 |
| Core capital (leverage) ratio | 9.0819% | 4,411 |
| Tier 1 risk-based capital ratio | 11.2587% | 5,893 |
| Total risk-based capital ratio | 12.2189% | 6,159 |
| Memoranda: | ||
| Average total assets | $113,344,500 | 4,789 |
| Average earning assets | $102,151,000 | 4,812 |
| Average equity | $10,669,500 | 5,054 |
| Average total loans | $82,300,500 | 4,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4217% | 791 |
| Cost of funding earning assets | 1.7848% | 4,076 |
| Net interest margin | 4.6370% | 921 |
| Noninterest income to average assets | 0.4689% | 4,660 |
| Noninterest expense to average assets | 3.0931% | 3,772 |
| Loan and lease loss provision to assets | 0.4499% | 4,129 |
| Net operating income to assets | 0.6518% | 3,131 |
| Return on assets (ROA) | 0.6518% | 3,185 |
| Pretax return on assets | 1.0557% | 2,389 |
| Return on Equity (ROE) | 6.1635% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.0912% | 2,998 |
| Net charge-offs to loans | 0.3828% | 4,292 |
| Credit loss provision to net charge-offs | 151.0067% | 3,056 |
| Earnings coverage of net charge-offs (x) | 5.0537% | 2,701 |
| Efficiency ratio | 65.8261% | 5,427 |
| Assets per employee ($millions) | 3.3437% | 5,394 |
| Cash dividends to net income (ytd only)* | 49.8466% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 6,301 |
| Loan loss allowance to noncurrent loans | 67.8943% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 4,425 |
| Noncurrent loans to loans | 1.4918% | 4,427 |
| Net loans and leases to total assets | 75.1072% | 2,000 |
| Net loans and leases to deposits | 85.1930% | 3,049 |
| Net loans and leases to core deposits | 98.6572% | 4,159 |
| Total domestic deposits to total assets | 88.1612% | 1,897 |
| Equity capital to assets | 9.7452% | 4,078 |
| Core capital (leverage) ratio | 9.7134% | 3,433 |
| Tier 1 risk-based capital ratio | 11.2234% | 5,692 |
| Total risk-based capital ratio | 12.1665% | 5,970 |
| Memoranda: | ||
| Average total assets | $100,029,400 | 5,086 |
| Average earning assets | $89,088,000 | 5,154 |
| Average equity | $10,578,400 | 5,134 |
| Average total loans | $77,850,600 | 4,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5271% | 709 |
| Cost of funding earning assets | 1.8420% | 4,188 |
| Net interest margin | 4.6851% | 856 |
| Noninterest income to average assets | 0.4652% | 4,779 |
| Noninterest expense to average assets | 3.0319% | 3,922 |
| Loan and lease loss provision to assets | 0.3284% | 4,365 |
| Net operating income to assets | 0.7976% | 2,827 |
| Return on assets (ROA) | 0.7976% | 2,890 |
| Pretax return on assets | 1.2738% | 2,031 |
| Return on Equity (ROE) | 7.3785% | 2,918 |
| Retained earnings to average equity (ytd only) | 3.2653% | 3,488 |
| Net charge-offs to loans | 0.5027% | 3,215 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 4.0660% | 3,278 |
| Efficiency ratio | 63.9504% | 5,764 |
| Assets per employee ($millions) | 3.0808% | 5,957 |
| Cash dividends to net income (ytd only)* | 55.7461% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 7,064 |
| Loan loss allowance to noncurrent loans | 92.4394% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 5,189 |
| Noncurrent loans to loans | 0.8848% | 5,518 |
| Net loans and leases to total assets | 77.2908% | 1,724 |
| Net loans and leases to deposits | 87.4802% | 3,064 |
| Net loans and leases to core deposits | 101.2603% | 4,238 |
| Total domestic deposits to total assets | 88.3523% | 1,493 |
| Equity capital to assets | 10.5805% | 3,427 |
| Core capital (leverage) ratio | 10.7926% | 2,564 |
| Tier 1 risk-based capital ratio | 11.9216% | 5,044 |
| Total risk-based capital ratio | 12.6936% | 5,432 |
| Memoranda: | ||
| Average total assets | $97,451,500 | 5,195 |
| Average earning assets | $86,712,750 | 5,281 |
| Average equity | $10,534,750 | 5,185 |
| Average total loans | $76,382,750 | 4,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5876% | 676 |
| Cost of funding earning assets | 1.9174% | 4,179 |
| Net interest margin | 4.6702% | 842 |
| Noninterest income to average assets | 0.5102% | 4,359 |
| Noninterest expense to average assets | 2.9694% | 4,208 |
| Loan and lease loss provision to assets | 0.2499% | 4,572 |
| Net operating income to assets | 0.9100% | 2,418 |
| Return on assets (ROA) | 0.9100% | 2,517 |
| Pretax return on assets | 1.4347% | 1,636 |
| Return on Equity (ROE) | 8.3551% | 2,630 |
| Retained earnings to average equity (ytd only) | 2.1414% | 4,155 |
| Net charge-offs to loans | 0.1723% | 4,504 |
| Credit loss provision to net charge-offs | 184.6154% | 2,481 |
| Earnings coverage of net charge-offs (x) | 12.4462% | 1,816 |
| Efficiency ratio | 62.3266% | 6,196 |
| Assets per employee ($millions) | 3.0180% | 6,083 |
| Cash dividends to net income (ytd only)* | 74.3707% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,395 |
| Loan loss allowance to noncurrent loans | 77.1047% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5342% | 3,924 |
| Noncurrent loans to loans | 1.2686% | 4,662 |
| Net loans and leases to total assets | 76.3352% | 2,096 |
| Net loans and leases to deposits | 86.4109% | 3,474 |
| Net loans and leases to core deposits | 97.7047% | 4,727 |
| Total domestic deposits to total assets | 88.3398% | 1,602 |
| Equity capital to assets | 10.5989% | 3,299 |
| Core capital (leverage) ratio | 10.2661% | 3,024 |
| Tier 1 risk-based capital ratio | 12.3016% | 4,675 |
| Total risk-based capital ratio | 13.2401% | 4,846 |
| Memoranda: | ||
| Average total assets | $96,046,000 | 5,283 |
| Average earning assets | $85,221,330 | 5,370 |
| Average equity | $10,460,670 | 5,227 |
| Average total loans | $75,434,330 | 4,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7102% | 572 |
| Cost of funding earning assets | 2.1072% | 3,618 |
| Net interest margin | 4.6029% | 932 |
| Noninterest income to average assets | 0.6025% | 3,529 |
| Noninterest expense to average assets | 2.7453% | 4,804 |
| Loan and lease loss provision to assets | 0.2546% | 3,930 |
| Net operating income to assets | 1.0905% | 1,995 |
| Return on assets (ROA) | 1.0905% | 2,124 |
| Pretax return on assets | 1.6251% | 1,348 |
| Return on Equity (ROE) | 9.8723% | 2,372 |
| Retained earnings to average equity (ytd only) | -2.6121% | 6,211 |
| Net charge-offs to loans | 0.0054% | 5,619 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 74 |
| Efficiency ratio | 57.7982% | 6,732 |
| Assets per employee ($millions) | 2.6762% | 6,934 |
| Cash dividends to net income (ytd only)* | 126.4591% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,166 |
| Loan loss allowance to noncurrent loans | 57.1537% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.1745% | 2,637 |
| Noncurrent loans to loans | 1.7519% | 3,639 |
| Net loans and leases to total assets | 77.4828% | 1,939 |
| Net loans and leases to deposits | 88.5675% | 3,185 |
| Net loans and leases to core deposits | 100.0375% | 4,533 |
| Total domestic deposits to total assets | 87.4844% | 1,977 |
| Equity capital to assets | 10.7708% | 3,213 |
| Core capital (leverage) ratio | 10.5229% | 2,897 |
| Tier 1 risk-based capital ratio | 12.4125% | 4,606 |
| Total risk-based capital ratio | 13.3839% | 4,739 |
| Memoranda: | ||
| Average total assets | $94,271,500 | 5,365 |
| Average earning assets | $82,382,500 | 5,474 |
| Average equity | $10,413,000 | 5,257 |
| Average total loans | $74,763,000 | 4,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0352% | 1,041 |
| Cost of funding earning assets | 2.4178% | 4,642 |
| Net interest margin | 4.6174% | 1,134 |
| Noninterest income to average assets | 0.7287% | 2,919 |
| Noninterest expense to average assets | 3.1872% | 3,384 |
| Loan and lease loss provision to assets | 0.2002% | 4,893 |
| Net operating income to assets | 0.6944% | 3,916 |
| Return on assets (ROA) | 0.7164% | 3,650 |
| Pretax return on assets | 1.5908% | 1,411 |
| Return on Equity (ROE) | 6.3043% | 3,826 |
| Retained earnings to average equity (ytd only) | 0.4209% | 4,996 |
| Net charge-offs to loans | 0.5309% | 2,236 |
| Credit loss provision to net charge-offs | 45.9184% | 6,391 |
| Earnings coverage of net charge-offs (x) | 4.0281% | 4,139 |
| Efficiency ratio | 62.3762% | 5,882 |
| Assets per employee ($millions) | 2.8812% | 6,364 |
| Cash dividends to net income (ytd only)* | 93.3230% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,451 |
| Loan loss allowance to noncurrent loans | 142.6230% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,458 |
| Noncurrent loans to loans | 0.6584% | 5,386 |
| Net loans and leases to total assets | 79.6375% | 1,742 |
| Net loans and leases to deposits | 92.6452% | 3,022 |
| Net loans and leases to core deposits | 101.6854% | 4,650 |
| Total domestic deposits to total assets | 85.9597% | 2,420 |
| Equity capital to assets | 11.3331% | 2,765 |
| Core capital (leverage) ratio | 10.7505% | 2,778 |
| Tier 1 risk-based capital ratio | 12.8752% | 4,177 |
| Total risk-based capital ratio | 13.7991% | 4,309 |
| Memoranda: | ||
| Average total assets | $89,890,800 | 5,358 |
| Average earning assets | $82,058,400 | 5,372 |
| Average equity | $10,215,200 | 5,338 |
| Average total loans | $73,838,800 | 4,745 |