Home > Fidelity State Bank and Trust Company > Performance and Condition Ratios
Fidelity State Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 3,129 |
| Cost of funding earning assets | 1.3700% | 3,460 |
| Net interest margin | 3.6247% | 2,027 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 2.5244% | 2,231 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.1602% | 1,825 |
| Return on assets (ROA) | -2.1721% | 4,443 |
| Pretax return on assets | -2.2010% | 4,439 |
| Return on Equity (ROE) | -25.0100% | 4,433 |
| Retained earnings to average equity (ytd only) | -29.5209% | 4,426 |
| Net charge-offs to loans | -0.1607% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.9526% | 2,365 |
| Assets per employee ($millions) | 5.3784% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,222 |
| Loan loss allowance to noncurrent loans | 81.5292% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 1,019 |
| Noncurrent loans to loans | 1.7481% | 521 |
| Net loans and leases to total assets | 42.0800% | 3,904 |
| Net loans and leases to deposits | 52.7395% | 3,774 |
| Net loans and leases to core deposits | 54.9125% | 3,858 |
| Total domestic deposits to total assets | 79.7900% | 3,625 |
| Equity capital to assets | 8.5778% | 3,254 |
| Core capital (leverage) ratio | 8.6938% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2412% | 644 |
| Memoranda: | ||
| Average total assets | $152,113,500 | 3,358 |
| Average earning assets | $149,200,500 | 3,280 |
| Average equity | $13,211,000 | 3,511 |
| Average total loans | $67,202,000 | 3,618 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 3,219 |
| Cost of funding earning assets | 1.4917% | 3,356 |
| Net interest margin | 3.4339% | 2,215 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 2.4560% | 2,432 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 1.2452% | 1,405 |
| Return on assets (ROA) | 1.2452% | 1,414 |
| Pretax return on assets | 1.3027% | 1,751 |
| Return on Equity (ROE) | 15.5900% | 843 |
| Retained earnings to average equity (ytd only) | 7.6006% | 1,243 |
| Net charge-offs to loans | 0.0559% | 1,572 |
| Credit loss provision to net charge-offs | -78.9474% | 4,345 |
| Earnings coverage of net charge-offs (x) | 52.9211% | 1,185 |
| Efficiency ratio | 65.6767% | 2,522 |
| Assets per employee ($millions) | 5.2948% | 3,442 |
| Cash dividends to net income (ytd only)* | 51.2558% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 1,918 |
| Loan loss allowance to noncurrent loans | 9,411.1111% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,730 |
| Noncurrent loans to loans | 0.0133% | 3,657 |
| Net loans and leases to total assets | 45.1700% | 3,848 |
| Net loans and leases to deposits | 55.7053% | 3,728 |
| Net loans and leases to core deposits | 57.9215% | 3,821 |
| Total domestic deposits to total assets | 81.0900% | 3,396 |
| Equity capital to assets | 8.7977% | 2,974 |
| Core capital (leverage) ratio | 9.1879% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4529% | 623 |
| Memoranda: | ||
| Average total assets | $156,678,200 | 3,302 |
| Average earning assets | $153,788,600 | 3,219 |
| Average equity | $12,512,200 | 3,562 |
| Average total loans | $68,019,400 | 3,601 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 3,372 |
| Cost of funding earning assets | 1.4613% | 3,424 |
| Net interest margin | 3.3467% | 2,350 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.3562% | 2,646 |
| Loan and lease loss provision to assets | -0.0800% | 4,362 |
| Net operating income to assets | 1.3309% | 1,253 |
| Return on assets (ROA) | 1.3309% | 1,253 |
| Pretax return on assets | 1.3914% | 1,538 |
| Return on Equity (ROE) | 17.0700% | 677 |
| Retained earnings to average equity (ytd only) | 10.6087% | 720 |
| Net charge-offs to loans | -0.0979% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.3135% | 2,678 |
| Assets per employee ($millions) | 5.4655% | 3,305 |
| Cash dividends to net income (ytd only)* | 37.8549% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 1,878 |
| Loan loss allowance to noncurrent loans | 8,650.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,756 |
| Noncurrent loans to loans | 0.0146% | 3,693 |
| Net loans and leases to total assets | 42.6000% | 3,946 |
| Net loans and leases to deposits | 54.3183% | 3,809 |
| Net loans and leases to core deposits | 56.6004% | 3,886 |
| Total domestic deposits to total assets | 78.4300% | 3,677 |
| Equity capital to assets | 8.4839% | 3,413 |
| Core capital (leverage) ratio | 9.3731% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9734% | 686 |
| Memoranda: | ||
| Average total assets | $158,784,250 | 3,285 |
| Average earning assets | $155,929,500 | 3,211 |
| Average equity | $12,379,500 | 3,580 |
| Average total loans | $68,070,000 | 3,613 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 3,291 |
| Cost of funding earning assets | 1.3885% | 3,485 |
| Net interest margin | 3.4013% | 2,175 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.3678% | 2,615 |
| Loan and lease loss provision to assets | -0.1300% | 4,428 |
| Net operating income to assets | 1.4061% | 1,067 |
| Return on assets (ROA) | 1.4061% | 1,071 |
| Pretax return on assets | 1.4703% | 1,341 |
| Return on Equity (ROE) | 18.5800% | 553 |
| Retained earnings to average equity (ytd only) | 11.9265% | 551 |
| Net charge-offs to loans | -0.1736% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.7843% | 2,802 |
| Assets per employee ($millions) | 5.6305% | 3,114 |
| Cash dividends to net income (ytd only)* | 35.8102% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 1,815 |
| Loan loss allowance to noncurrent loans | 14,566.6667% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,787 |
| Noncurrent loans to loans | 0.0088% | 3,725 |
| Net loans and leases to total assets | 42.6800% | 3,955 |
| Net loans and leases to deposits | 52.9670% | 3,853 |
| Net loans and leases to core deposits | 55.3699% | 3,926 |
| Total domestic deposits to total assets | 80.5800% | 3,347 |
| Equity capital to assets | 7.8697% | 3,515 |
| Core capital (leverage) ratio | 8.8714% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4991% | 725 |
| Memoranda: | ||
| Average total assets | $158,879,000 | 3,294 |
| Average earning assets | $155,997,667 | 3,216 |
| Average equity | $12,023,667 | 3,590 |
| Average total loans | $67,964,333 | 3,617 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 3,587 |
| Cost of funding earning assets | 1.3049% | 3,552 |
| Net interest margin | 3.2585% | 2,434 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.3174% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2013% | 1,442 |
| Return on assets (ROA) | 1.2013% | 1,442 |
| Pretax return on assets | 1.2540% | 1,757 |
| Return on Equity (ROE) | 16.1900% | 814 |
| Retained earnings to average equity (ytd only) | 9.4320% | 1,222 |
| Net charge-offs to loans | 0.0354% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 743 |
| Efficiency ratio | 64.8876% | 2,699 |
| Assets per employee ($millions) | 5.6604% | 3,107 |
| Cash dividends to net income (ytd only)* | 41.7537% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,706 |
| Loan loss allowance to noncurrent loans | 5,681.2500% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,743 |
| Noncurrent loans to loans | 0.0231% | 3,621 |
| Net loans and leases to total assets | 43.1500% | 3,920 |
| Net loans and leases to deposits | 51.3288% | 3,877 |
| Net loans and leases to core deposits | 53.6449% | 3,985 |
| Total domestic deposits to total assets | 84.0700% | 2,699 |
| Equity capital to assets | 7.5367% | 3,655 |
| Core capital (leverage) ratio | 8.7612% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6181% | 843 |
| Memoranda: | ||
| Average total assets | $159,491,000 | 3,294 |
| Average earning assets | $156,638,000 | 3,217 |
| Average equity | $11,832,000 | 3,615 |
| Average total loans | $67,867,000 | 3,621 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,968 |
| Cost of funding earning assets | 0.9301% | 3,457 |
| Net interest margin | 3.0686% | 3,157 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4579% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0754% | 1,989 |
| Return on assets (ROA) | 0.7798% | 2,920 |
| Pretax return on assets | 0.8148% | 3,174 |
| Return on Equity (ROE) | 11.2900% | 2,148 |
| Retained earnings to average equity (ytd only) | 2.0592% | 3,568 |
| Net charge-offs to loans | 0.0628% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 40.9535% | 1,434 |
| Efficiency ratio | 68.6432% | 2,041 |
| Assets per employee ($millions) | 5.9441% | 2,867 |
| Cash dividends to net income (ytd only)* | 81.7661% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,473 |
| Loan loss allowance to noncurrent loans | 7,625.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,745 |
| Noncurrent loans to loans | 0.0181% | 3,617 |
| Net loans and leases to total assets | 40.8200% | 4,009 |
| Net loans and leases to deposits | 47.0469% | 4,019 |
| Net loans and leases to core deposits | 49.0624% | 4,100 |
| Total domestic deposits to total assets | 86.7700% | 1,764 |
| Equity capital to assets | 7.3020% | 3,814 |
| Core capital (leverage) ratio | 8.8147% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4935% | 840 |
| Memoranda: | ||
| Average total assets | $156,841,800 | 3,304 |
| Average earning assets | $152,774,600 | 3,228 |
| Average equity | $10,829,600 | 3,638 |
| Average total loans | $68,469,800 | 3,574 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,079 |
| Cost of funding earning assets | 0.8568% | 3,383 |
| Net interest margin | 2.9785% | 3,379 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.4746% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0364% | 2,258 |
| Return on assets (ROA) | 0.6481% | 3,425 |
| Pretax return on assets | 0.6900% | 3,573 |
| Return on Equity (ROE) | 9.5300% | 2,793 |
| Retained earnings to average equity (ytd only) | 1.9860% | 3,729 |
| Net charge-offs to loans | 0.0908% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 27.4468% | 1,641 |
| Efficiency ratio | 69.1683% | 1,883 |
| Assets per employee ($millions) | 5.4347% | 3,237 |
| Cash dividends to net income (ytd only)* | 79.1557% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,581 |
| Loan loss allowance to noncurrent loans | 4,555.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,714 |
| Noncurrent loans to loans | 0.0301% | 3,555 |
| Net loans and leases to total assets | 43.1000% | 3,953 |
| Net loans and leases to deposits | 49.7580% | 3,945 |
| Net loans and leases to core deposits | 51.9987% | 3,984 |
| Total domestic deposits to total assets | 86.6200% | 2,009 |
| Equity capital to assets | 6.9796% | 3,621 |
| Core capital (leverage) ratio | 8.9168% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3151% | 903 |
| Memoranda: | ||
| Average total assets | $155,929,500 | 3,318 |
| Average earning assets | $151,570,000 | 3,249 |
| Average equity | $10,607,250 | 3,661 |
| Average total loans | $68,979,250 | 3,578 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,167 |
| Cost of funding earning assets | 0.7185% | 3,431 |
| Net interest margin | 2.9606% | 3,543 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.4481% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2074% | 1,817 |
| Return on assets (ROA) | 1.1732% | 1,898 |
| Pretax return on assets | 1.2279% | 2,291 |
| Return on Equity (ROE) | 17.3900% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.8466% | 1,449 |
| Net charge-offs to loans | -0.0115% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9582% | 2,243 |
| Assets per employee ($millions) | 5.2867% | 3,334 |
| Cash dividends to net income (ytd only)* | 43.3839% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,543 |
| Loan loss allowance to noncurrent loans | 579.5181% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,803 |
| Noncurrent loans to loans | 0.2411% | 2,296 |
| Net loans and leases to total assets | 42.8100% | 3,928 |
| Net loans and leases to deposits | 48.3190% | 3,977 |
| Net loans and leases to core deposits | 50.3385% | 4,008 |
| Total domestic deposits to total assets | 88.6000% | 1,377 |
| Equity capital to assets | 6.8979% | 3,850 |
| Core capital (leverage) ratio | 9.0248% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6583% | 860 |
| Memoranda: | ||
| Average total assets | $157,182,000 | 3,324 |
| Average earning assets | $152,269,000 | 3,253 |
| Average equity | $10,602,667 | 3,668 |
| Average total loans | $69,806,667 | 3,571 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 4,275 |
| Cost of funding earning assets | 0.3643% | 4,039 |
| Net interest margin | 3.1286% | 3,291 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.3314% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7480% | 3,349 |
| Return on assets (ROA) | 0.6800% | 3,465 |
| Pretax return on assets | 0.7132% | 3,631 |
| Return on Equity (ROE) | 10.2000% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.5302% | 3,596 |
| Net charge-offs to loans | -0.0114% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.8154% | 1,263 |
| Assets per employee ($millions) | 5.0536% | 3,623 |
| Cash dividends to net income (ytd only)* | 75.1880% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,759 |
| Loan loss allowance to noncurrent loans | 960.0000% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,158 |
| Noncurrent loans to loans | 0.1422% | 2,785 |
| Net loans and leases to total assets | 44.2600% | 3,852 |
| Net loans and leases to deposits | 49.8086% | 3,897 |
| Net loans and leases to core deposits | 51.7871% | 3,925 |
| Total domestic deposits to total assets | 88.8700% | 1,592 |
| Equity capital to assets | 6.8376% | 3,892 |
| Core capital (leverage) ratio | 8.8276% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5552% | 1,060 |
| Memoranda: | ||
| Average total assets | $156,473,000 | 3,372 |
| Average earning assets | $151,507,000 | 3,305 |
| Average equity | $10,434,000 | 3,728 |
| Average total loans | $70,282,000 | 3,597 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7048% | 4,401 |
| Cost of funding earning assets | 0.1292% | 4,234 |
| Net interest margin | 2.5755% | 4,204 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.3100% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3611% | 4,295 |
| Return on assets (ROA) | 0.3006% | 4,337 |
| Pretax return on assets | 0.3091% | 4,373 |
| Return on Equity (ROE) | 4.5300% | 4,085 |
| Retained earnings to average equity (ytd only) | 2.2487% | 3,929 |
| Net charge-offs to loans | 0.0059% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 153.2500% | 779 |
| Efficiency ratio | 86.1469% | 415 |
| Assets per employee ($millions) | 5.2094% | 3,507 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,634 |
| Loan loss allowance to noncurrent loans | 798.3333% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,021 |
| Noncurrent loans to loans | 0.1708% | 2,629 |
| Net loans and leases to total assets | 44.3400% | 3,877 |
| Net loans and leases to deposits | 49.9957% | 3,898 |
| Net loans and leases to core deposits | 50.5625% | 3,959 |
| Total domestic deposits to total assets | 88.6900% | 1,817 |
| Equity capital to assets | 6.4985% | 3,898 |
| Core capital (leverage) ratio | 8.7120% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4411% | 1,060 |
| Memoranda: | ||
| Average total assets | $165,021,800 | 3,308 |
| Average earning assets | $160,199,600 | 3,241 |
| Average equity | $10,939,600 | 3,764 |
| Average total loans | $68,290,000 | 3,605 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4929% | 4,447 |
| Cost of funding earning assets | 0.0780% | 4,434 |
| Net interest margin | 2.4149% | 4,306 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.2790% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2743% | 4,413 |
| Return on assets (ROA) | 0.1930% | 4,452 |
| Pretax return on assets | 0.1946% | 4,465 |
| Return on Equity (ROE) | 2.9000% | 4,311 |
| Retained earnings to average equity (ytd only) | 1.1016% | 4,199 |
| Net charge-offs to loans | -0.0020% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.1732% | 349 |
| Assets per employee ($millions) | 4.9615% | 3,709 |
| Cash dividends to net income (ytd only)* | 61.9835% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,484 |
| Loan loss allowance to noncurrent loans | 655.1020% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,988 |
| Noncurrent loans to loans | 0.2196% | 2,514 |
| Net loans and leases to total assets | 42.9000% | 3,942 |
| Net loans and leases to deposits | 49.3213% | 3,896 |
| Net loans and leases to core deposits | 49.9005% | 3,955 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 6.0004% | 3,965 |
| Core capital (leverage) ratio | 8.3938% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8618% | 1,018 |
| Memoranda: | ||
| Average total assets | $167,206,500 | 3,313 |
| Average earning assets | $162,432,750 | 3,250 |
| Average equity | $11,135,500 | 3,793 |
| Average total loans | $67,798,000 | 3,626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3133% | 4,511 |
| Cost of funding earning assets | 0.0432% | 4,631 |
| Net interest margin | 2.2701% | 4,362 |
| Noninterest income to average assets | 0.2342% | 3,777 |
| Noninterest expense to average assets | 2.2007% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2365% | 4,377 |
| Return on assets (ROA) | 0.2365% | 4,338 |
| Pretax return on assets | 0.2365% | 4,369 |
| Return on Equity (ROE) | 3.4492% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.7501% | 3,812 |
| Net charge-offs to loans | 0.0088% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 1,021 |
| Efficiency ratio | 90.2964% | 392 |
| Assets per employee ($millions) | 5.6633% | 3,074 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,610 |
| Loan loss allowance to noncurrent loans | 715.6716% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,190 |
| Noncurrent loans to loans | 0.2008% | 2,707 |
| Net loans and leases to total assets | 38.7232% | 4,134 |
| Net loans and leases to deposits | 43.1577% | 4,151 |
| Net loans and leases to core deposits | 43.6016% | 4,204 |
| Total domestic deposits to total assets | 89.7250% | 1,837 |
| Equity capital to assets | 6.3520% | 4,079 |
| Core capital (leverage) ratio | 7.8969% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0160% | 988 |
| Memoranda: | ||
| Average total assets | $171,673,000 | 3,318 |
| Average earning assets | $166,601,333 | 3,253 |
| Average equity | $11,771,000 | 3,805 |
| Average total loans | $68,082,333 | 3,653 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1179% | 4,572 |
| Cost of funding earning assets | 0.0383% | 4,670 |
| Net interest margin | 2.0796% | 4,464 |
| Noninterest income to average assets | 0.2967% | 3,342 |
| Noninterest expense to average assets | 2.1349% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1901% | 4,349 |
| Return on assets (ROA) | 0.1901% | 4,314 |
| Pretax return on assets | 0.1762% | 4,350 |
| Return on Equity (ROE) | 2.6753% | 4,156 |
| Retained earnings to average equity (ytd only) | -0.5873% | 4,097 |
| Net charge-offs to loans | 0.0815% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 1,600 |
| Efficiency ratio | 92.3771% | 448 |
| Assets per employee ($millions) | 5.6788% | 3,146 |
| Cash dividends to net income (ytd only)* | 121.9512% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 2,123 |
| Loan loss allowance to noncurrent loans | 667.6056% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 3,245 |
| Noncurrent loans to loans | 0.2019% | 2,813 |
| Net loans and leases to total assets | 40.7237% | 3,961 |
| Net loans and leases to deposits | 45.8301% | 3,985 |
| Net loans and leases to core deposits | 47.7196% | 3,996 |
| Total domestic deposits to total assets | 88.8580% | 2,146 |
| Equity capital to assets | 6.6416% | 4,368 |
| Core capital (leverage) ratio | 7.8720% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3266% | 1,183 |
| Memoranda: | ||
| Average total assets | $172,560,500 | 3,324 |
| Average earning assets | $167,145,000 | 3,257 |
| Average equity | $12,260,500 | 3,835 |
| Average total loans | $68,749,000 | 3,641 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4039% | 4,538 |
| Cost of funding earning assets | 0.0786% | 4,541 |
| Net interest margin | 2.3253% | 4,393 |
| Noninterest income to average assets | 0.3373% | 3,397 |
| Noninterest expense to average assets | 2.2257% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3460% | 4,359 |
| Return on assets (ROA) | 0.3460% | 4,385 |
| Pretax return on assets | 0.3628% | 4,430 |
| Return on Equity (ROE) | 4.0979% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.1445% | 4,217 |
| Net charge-offs to loans | -0.0217% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9827% | 475 |
| Assets per employee ($millions) | 5.8252% | 2,924 |
| Cash dividends to net income (ytd only)* | 72.0721% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,799 |
| Loan loss allowance to noncurrent loans | 601.2500% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 3,297 |
| Noncurrent loans to loans | 0.2382% | 2,780 |
| Net loans and leases to total assets | 37.8865% | 4,196 |
| Net loans and leases to deposits | 42.8296% | 4,235 |
| Net loans and leases to core deposits | 44.5567% | 4,245 |
| Total domestic deposits to total assets | 88.4588% | 1,806 |
| Equity capital to assets | 7.5568% | 4,573 |
| Core capital (leverage) ratio | 7.6289% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2702% | 993 |
| Memoranda: | ||
| Average total assets | $160,401,600 | 3,389 |
| Average earning assets | $155,290,400 | 3,323 |
| Average equity | $13,543,600 | 3,787 |
| Average total loans | $73,693,000 | 3,592 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5609% | 4,528 |
| Cost of funding earning assets | 0.0887% | 4,584 |
| Net interest margin | 2.4722% | 4,323 |
| Noninterest income to average assets | 0.3597% | 3,304 |
| Noninterest expense to average assets | 2.1783% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5527% | 4,093 |
| Return on assets (ROA) | 0.5527% | 4,138 |
| Pretax return on assets | 0.5748% | 4,266 |
| Return on Equity (ROE) | 6.3593% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.4242% | 3,759 |
| Net charge-offs to loans | -0.0124% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1229% | 806 |
| Assets per employee ($millions) | 5.4441% | 3,262 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,851 |
| Loan loss allowance to noncurrent loans | 584.6626% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 3,434 |
| Noncurrent loans to loans | 0.2462% | 2,951 |
| Net loans and leases to total assets | 39.9542% | 4,210 |
| Net loans and leases to deposits | 46.9241% | 4,183 |
| Net loans and leases to core deposits | 49.0362% | 4,189 |
| Total domestic deposits to total assets | 85.1465% | 3,066 |
| Equity capital to assets | 8.3651% | 4,297 |
| Core capital (leverage) ratio | 8.2695% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7431% | 1,001 |
| Memoranda: | ||
| Average total assets | $156,813,000 | 3,456 |
| Average earning assets | $151,816,750 | 3,396 |
| Average equity | $13,628,000 | 3,824 |
| Average total loans | $75,323,500 | 3,608 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6443% | 4,511 |
| Cost of funding earning assets | 0.1056% | 4,537 |
| Net interest margin | 2.5387% | 4,259 |
| Noninterest income to average assets | 0.3453% | 3,378 |
| Noninterest expense to average assets | 2.2141% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5678% | 4,052 |
| Return on assets (ROA) | 0.5678% | 4,103 |
| Pretax return on assets | 0.5885% | 4,252 |
| Return on Equity (ROE) | 6.4480% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,682 |
| Net charge-offs to loans | -0.0153% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0032% | 848 |
| Assets per employee ($millions) | 5.0870% | 3,577 |
| Cash dividends to net income (ytd only)* | 45.5581% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,080 |
| Loan loss allowance to noncurrent loans | 553.4884% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 3,499 |
| Noncurrent loans to loans | 0.2485% | 3,058 |
| Net loans and leases to total assets | 43.2947% | 4,089 |
| Net loans and leases to deposits | 49.9433% | 4,117 |
| Net loans and leases to core deposits | 52.3241% | 4,114 |
| Total domestic deposits to total assets | 86.6877% | 2,480 |
| Equity capital to assets | 8.6483% | 4,089 |
| Core capital (leverage) ratio | 8.3068% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,643,333 | 3,483 |
| Average earning assets | $149,682,667 | 3,422 |
| Average equity | $13,616,667 | 3,829 |
| Average total loans | $78,362,333 | 3,572 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 4,450 |
| Cost of funding earning assets | 0.1132% | 4,561 |
| Net interest margin | 2.6147% | 4,119 |
| Noninterest income to average assets | 0.3344% | 3,428 |
| Noninterest expense to average assets | 2.1526% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6949% | 3,722 |
| Return on assets (ROA) | 0.6949% | 3,783 |
| Pretax return on assets | 0.7158% | 3,986 |
| Return on Equity (ROE) | 7.8201% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.8802% | 3,259 |
| Net charge-offs to loans | 0.0096% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 514 |
| Efficiency ratio | 75.0455% | 1,216 |
| Assets per employee ($millions) | 5.0275% | 3,623 |
| Cash dividends to net income (ytd only)* | 37.5940% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,885 |
| Loan loss allowance to noncurrent loans | 390.0826% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,390 |
| Noncurrent loans to loans | 0.3099% | 2,994 |
| Net loans and leases to total assets | 49.5002% | 3,676 |
| Net loans and leases to deposits | 57.8230% | 3,655 |
| Net loans and leases to core deposits | 61.1417% | 3,633 |
| Total domestic deposits to total assets | 85.6064% | 2,890 |
| Equity capital to assets | 8.7229% | 3,942 |
| Core capital (leverage) ratio | 8.7279% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,117,000 | 3,498 |
| Average earning assets | $148,393,500 | 3,435 |
| Average equity | $13,606,000 | 3,836 |
| Average total loans | $82,930,500 | 3,511 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2130% | 4,439 |
| Cost of funding earning assets | 0.2053% | 4,567 |
| Net interest margin | 3.0077% | 3,864 |
| Noninterest income to average assets | 0.3374% | 3,444 |
| Noninterest expense to average assets | 2.4471% | 3,001 |
| Loan and lease loss provision to assets | 0.2113% | 1,861 |
| Net operating income to assets | 0.5879% | 3,794 |
| Return on assets (ROA) | 0.8523% | 3,030 |
| Pretax return on assets | 0.8826% | 3,414 |
| Return on Equity (ROE) | 8.9692% | 2,404 |
| Retained earnings to average equity (ytd only) | 3.0392% | 3,330 |
| Net charge-offs to loans | 0.0159% | 2,783 |
| Credit loss provision to net charge-offs | 2,142.8571% | 421 |
| Earnings coverage of net charge-offs (x) | 83.2857% | 875 |
| Efficiency ratio | 74.8707% | 1,349 |
| Assets per employee ($millions) | 4.6994% | 3,717 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,570 |
| Loan loss allowance to noncurrent loans | 442.0561% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,580 |
| Noncurrent loans to loans | 0.2438% | 3,321 |
| Net loans and leases to total assets | 57.7357% | 3,112 |
| Net loans and leases to deposits | 68.1403% | 3,060 |
| Net loans and leases to core deposits | 72.2544% | 3,048 |
| Total domestic deposits to total assets | 84.7307% | 2,861 |
| Equity capital to assets | 9.0551% | 4,010 |
| Core capital (leverage) ratio | 8.0853% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,966,200 | 3,489 |
| Average earning assets | $138,345,400 | 3,403 |
| Average equity | $13,490,600 | 3,814 |
| Average total loans | $87,849,800 | 3,437 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2353% | 4,550 |
| Cost of funding earning assets | 0.2307% | 4,567 |
| Net interest margin | 3.0046% | 3,968 |
| Noninterest income to average assets | 0.3384% | 3,453 |
| Noninterest expense to average assets | 2.3413% | 3,310 |
| Loan and lease loss provision to assets | 0.0951% | 3,130 |
| Net operating income to assets | 0.8033% | 3,076 |
| Return on assets (ROA) | 1.1611% | 1,896 |
| Pretax return on assets | 1.2011% | 2,384 |
| Return on Equity (ROE) | 12.0660% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.1221% | 2,057 |
| Net charge-offs to loans | -0.0152% | 4,334 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6244% | 1,688 |
| Assets per employee ($millions) | 4.6601% | 3,646 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 4,342 |
| Loan loss allowance to noncurrent loans | 331.8966% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,635 |
| Noncurrent loans to loans | 0.2439% | 3,427 |
| Net loans and leases to total assets | 63.2675% | 2,852 |
| Net loans and leases to deposits | 74.1961% | 2,937 |
| Net loans and leases to core deposits | 79.3392% | 2,902 |
| Total domestic deposits to total assets | 85.2706% | 2,329 |
| Equity capital to assets | 9.2795% | 3,869 |
| Core capital (leverage) ratio | 8.8022% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,862,750 | 3,501 |
| Average earning assets | $136,409,500 | 3,404 |
| Average equity | $13,459,000 | 3,822 |
| Average total loans | $87,870,000 | 3,455 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3968% | 4,539 |
| Cost of funding earning assets | 0.2731% | 4,558 |
| Net interest margin | 3.1237% | 3,853 |
| Noninterest income to average assets | 0.3129% | 3,586 |
| Noninterest expense to average assets | 2.4171% | 3,205 |
| Loan and lease loss provision to assets | 0.1462% | 2,549 |
| Net operating income to assets | 0.7700% | 3,159 |
| Return on assets (ROA) | 1.3189% | 1,409 |
| Pretax return on assets | 1.3599% | 1,838 |
| Return on Equity (ROE) | 13.5307% | 973 |
| Retained earnings to average equity (ytd only) | 7.5304% | 1,450 |
| Net charge-offs to loans | -0.0047% | 3,998 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9948% | 1,684 |
| Assets per employee ($millions) | 4.8816% | 3,330 |
| Cash dividends to net income (ytd only)* | 44.3459% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 4,374 |
| Loan loss allowance to noncurrent loans | 317.5000% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 3,730 |
| Noncurrent loans to loans | 0.2475% | 3,491 |
| Net loans and leases to total assets | 63.5789% | 2,930 |
| Net loans and leases to deposits | 75.3450% | 2,936 |
| Net loans and leases to core deposits | 80.8745% | 2,883 |
| Total domestic deposits to total assets | 84.3838% | 2,602 |
| Equity capital to assets | 9.0702% | 4,021 |
| Core capital (leverage) ratio | 8.7463% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,775,667 | 3,523 |
| Average earning assets | $133,303,667 | 3,429 |
| Average equity | $13,332,667 | 3,839 |
| Average total loans | $85,454,333 | 3,491 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,459 |
| Cost of funding earning assets | 0.4028% | 4,351 |
| Net interest margin | 3.2541% | 3,708 |
| Noninterest income to average assets | 0.2749% | 3,883 |
| Noninterest expense to average assets | 2.4278% | 3,481 |
| Loan and lease loss provision to assets | 0.0927% | 2,524 |
| Net operating income to assets | 0.9145% | 2,470 |
| Return on assets (ROA) | 1.2417% | 1,505 |
| Pretax return on assets | 1.2541% | 2,022 |
| Return on Equity (ROE) | 12.2412% | 1,045 |
| Retained earnings to average equity (ytd only) | 6.1510% | 1,819 |
| Net charge-offs to loans | 0.0100% | 2,215 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 164.5000% | 401 |
| Efficiency ratio | 70.4933% | 2,281 |
| Assets per employee ($millions) | 4.0086% | 3,905 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,246 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,742 |
| Noncurrent loans to loans | 0.3000% | 3,428 |
| Net loans and leases to total assets | 61.8268% | 3,318 |
| Net loans and leases to deposits | 74.3429% | 3,236 |
| Net loans and leases to core deposits | 76.6300% | 3,457 |
| Total domestic deposits to total assets | 83.1644% | 3,058 |
| Equity capital to assets | 10.5047% | 3,315 |
| Core capital (leverage) ratio | 9.6619% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,498,500 | 3,590 |
| Average earning assets | $126,116,000 | 3,496 |
| Average equity | $13,136,000 | 3,868 |
| Average total loans | $79,693,500 | 3,587 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 4,738 |
| Cost of funding earning assets | 0.4973% | 4,102 |
| Net interest margin | 3.1393% | 4,309 |
| Noninterest income to average assets | 0.2237% | 4,324 |
| Noninterest expense to average assets | 2.5556% | 3,301 |
| Loan and lease loss provision to assets | 0.0733% | 2,531 |
| Net operating income to assets | 0.6292% | 4,072 |
| Return on assets (ROA) | 0.6292% | 4,138 |
| Pretax return on assets | 0.6636% | 4,296 |
| Return on Equity (ROE) | 6.8511% | 3,607 |
| Retained earnings to average equity (ytd only) | 0.4631% | 4,554 |
| Net charge-offs to loans | 0.1576% | 1,275 |
| Credit loss provision to net charge-offs | 75.1880% | 2,850 |
| Earnings coverage of net charge-offs (x) | 7.5564% | 2,862 |
| Efficiency ratio | 77.6169% | 1,192 |
| Assets per employee ($millions) | 4.0850% | 3,800 |
| Cash dividends to net income (ytd only)* | 93.2401% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,216 |
| Loan loss allowance to noncurrent loans | 242.6471% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,633 |
| Noncurrent loans to loans | 0.3426% | 3,216 |
| Net loans and leases to total assets | 60.2275% | 3,565 |
| Net loans and leases to deposits | 71.3936% | 3,556 |
| Net loans and leases to core deposits | 72.7123% | 3,815 |
| Total domestic deposits to total assets | 84.3598% | 2,731 |
| Equity capital to assets | 9.7896% | 4,113 |
| Core capital (leverage) ratio | 9.3668% | 4,205 |
| Tier 1 risk-based capital ratio | 14.1723% | 3,176 |
| Total risk-based capital ratio | 14.9252% | 3,327 |
| Memoranda: | ||
| Average total assets | $136,369,000 | 3,487 |
| Average earning assets | $133,311,200 | 3,380 |
| Average equity | $12,523,600 | 3,934 |
| Average total loans | $84,386,400 | 3,520 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 4,834 |
| Cost of funding earning assets | 0.5402% | 3,980 |
| Net interest margin | 3.1115% | 4,459 |
| Noninterest income to average assets | 0.2255% | 4,386 |
| Noninterest expense to average assets | 2.3457% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8825% | 3,409 |
| Return on assets (ROA) | 0.8825% | 3,486 |
| Pretax return on assets | 0.9232% | 3,811 |
| Return on Equity (ROE) | 9.7627% | 2,532 |
| Retained earnings to average equity (ytd only) | 3.3399% | 3,734 |
| Net charge-offs to loans | 0.0436% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.0737% | 1,506 |
| Efficiency ratio | 71.7584% | 1,877 |
| Assets per employee ($millions) | 4.3777% | 3,369 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,260 |
| Loan loss allowance to noncurrent loans | 123.6059% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 2,974 |
| Noncurrent loans to loans | 0.6829% | 2,254 |
| Net loans and leases to total assets | 55.7615% | 4,061 |
| Net loans and leases to deposits | 64.3395% | 4,154 |
| Net loans and leases to core deposits | 65.1661% | 4,317 |
| Total domestic deposits to total assets | 86.6675% | 1,701 |
| Equity capital to assets | 9.2971% | 4,598 |
| Core capital (leverage) ratio | 9.0834% | 4,570 |
| Tier 1 risk-based capital ratio | 14.9876% | 2,854 |
| Total risk-based capital ratio | 15.7739% | 2,992 |
| Memoranda: | ||
| Average total assets | $137,781,000 | 3,500 |
| Average earning assets | $134,764,000 | 3,385 |
| Average equity | $12,455,250 | 3,979 |
| Average total loans | $85,635,500 | 3,530 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,873 |
| Cost of funding earning assets | 0.5462% | 3,896 |
| Net interest margin | 3.1114% | 4,511 |
| Noninterest income to average assets | 0.2190% | 4,434 |
| Noninterest expense to average assets | 2.3166% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9050% | 3,258 |
| Return on assets (ROA) | 0.9050% | 3,323 |
| Pretax return on assets | 0.9459% | 3,723 |
| Return on Equity (ROE) | 10.1095% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.5872% | 3,455 |
| Net charge-offs to loans | 0.0432% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 34.1053% | 1,365 |
| Efficiency ratio | 71.0067% | 2,068 |
| Assets per employee ($millions) | 4.4300% | 3,245 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,519 |
| Loan loss allowance to noncurrent loans | 107.4960% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,750 |
| Noncurrent loans to loans | 0.7231% | 2,183 |
| Net loans and leases to total assets | 60.6892% | 3,677 |
| Net loans and leases to deposits | 70.0121% | 3,841 |
| Net loans and leases to core deposits | 70.1674% | 4,104 |
| Total domestic deposits to total assets | 86.6838% | 1,733 |
| Equity capital to assets | 9.0766% | 4,753 |
| Core capital (leverage) ratio | 9.1956% | 4,461 |
| Tier 1 risk-based capital ratio | 13.5766% | 3,536 |
| Total risk-based capital ratio | 14.3037% | 3,714 |
| Memoranda: | ||
| Average total assets | $137,012,670 | 3,528 |
| Average earning assets | $134,025,000 | 3,423 |
| Average equity | $12,265,670 | 4,009 |
| Average total loans | $87,921,000 | 3,500 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,831 |
| Cost of funding earning assets | 0.5315% | 3,911 |
| Net interest margin | 3.1796% | 4,429 |
| Noninterest income to average assets | 0.2347% | 4,332 |
| Noninterest expense to average assets | 2.4510% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8556% | 3,426 |
| Return on assets (ROA) | 0.8556% | 3,469 |
| Pretax return on assets | 0.8942% | 3,784 |
| Return on Equity (ROE) | 9.6281% | 2,531 |
| Retained earnings to average equity (ytd only) | 2.9419% | 3,757 |
| Net charge-offs to loans | 0.0271% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 1,024 |
| Efficiency ratio | 73.2682% | 1,850 |
| Assets per employee ($millions) | 4.1536% | 3,693 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 4,596 |
| Loan loss allowance to noncurrent loans | 96.7606% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,502 |
| Noncurrent loans to loans | 0.7984% | 2,041 |
| Net loans and leases to total assets | 66.3855% | 2,996 |
| Net loans and leases to deposits | 77.2369% | 3,139 |
| Net loans and leases to core deposits | 77.5996% | 3,550 |
| Total domestic deposits to total assets | 85.9505% | 2,303 |
| Equity capital to assets | 9.2051% | 4,532 |
| Core capital (leverage) ratio | 9.3586% | 4,309 |
| Tier 1 risk-based capital ratio | 12.8893% | 3,934 |
| Total risk-based capital ratio | 13.6004% | 4,136 |
| Memoranda: | ||
| Average total assets | $134,639,000 | 3,601 |
| Average earning assets | $131,714,500 | 3,491 |
| Average equity | $11,965,000 | 4,057 |
| Average total loans | $88,528,000 | 3,525 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,747 |
| Cost of funding earning assets | 0.4636% | 3,590 |
| Net interest margin | 3.1831% | 4,514 |
| Noninterest income to average assets | 0.2589% | 4,379 |
| Noninterest expense to average assets | 2.4427% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8728% | 3,524 |
| Return on assets (ROA) | 0.7911% | 3,838 |
| Pretax return on assets | 0.8296% | 4,091 |
| Return on Equity (ROE) | 9.0802% | 2,951 |
| Retained earnings to average equity (ytd only) | 2.1487% | 4,296 |
| Net charge-offs to loans | 0.0240% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 60.6500% | 1,013 |
| Efficiency ratio | 72.7354% | 1,804 |
| Assets per employee ($millions) | 4.2613% | 3,526 |
| Cash dividends to net income (ytd only)* | 76.3359% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,580 |
| Loan loss allowance to noncurrent loans | 78.3051% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,099 |
| Noncurrent loans to loans | 1.0042% | 1,620 |
| Net loans and leases to total assets | 64.1227% | 3,347 |
| Net loans and leases to deposits | 72.9449% | 3,590 |
| Net loans and leases to core deposits | 73.2700% | 3,905 |
| Total domestic deposits to total assets | 87.9057% | 1,344 |
| Equity capital to assets | 8.5764% | 4,880 |
| Core capital (leverage) ratio | 9.2163% | 4,435 |
| Tier 1 risk-based capital ratio | 13.0670% | 3,809 |
| Total risk-based capital ratio | 13.7993% | 3,979 |
| Memoranda: | ||
| Average total assets | $132,478,800 | 3,617 |
| Average earning assets | $128,994,200 | 3,507 |
| Average equity | $11,541,600 | 4,085 |
| Average total loans | $83,179,800 | 3,605 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 4,672 |
| Cost of funding earning assets | 0.4943% | 3,235 |
| Net interest margin | 3.1942% | 4,523 |
| Noninterest income to average assets | 0.2717% | 4,336 |
| Noninterest expense to average assets | 2.4130% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9216% | 3,424 |
| Return on assets (ROA) | 0.9216% | 3,426 |
| Pretax return on assets | 0.9642% | 3,836 |
| Return on Equity (ROE) | 10.5359% | 2,381 |
| Retained earnings to average equity (ytd only) | 3.5815% | 3,976 |
| Net charge-offs to loans | 0.0016% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 953.3609% | 91 |
| Efficiency ratio | 71.4500% | 1,970 |
| Assets per employee ($millions) | 4.0528% | 3,801 |
| Cash dividends to net income (ytd only)* | 66.0066% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 4,409 |
| Loan loss allowance to noncurrent loans | 75.7447% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 2,094 |
| Noncurrent loans to loans | 1.1378% | 1,490 |
| Net loans and leases to total assets | 61.2368% | 3,725 |
| Net loans and leases to deposits | 69.1869% | 3,979 |
| Net loans and leases to core deposits | 69.4987% | 4,221 |
| Total domestic deposits to total assets | 88.5093% | 1,045 |
| Equity capital to assets | 8.5328% | 4,906 |
| Core capital (leverage) ratio | 8.6865% | 4,964 |
| Tier 1 risk-based capital ratio | 13.9918% | 3,374 |
| Total risk-based capital ratio | 14.7935% | 3,518 |
| Memoranda: | ||
| Average total assets | $131,508,000 | 3,666 |
| Average earning assets | $127,852,500 | 3,565 |
| Average equity | $11,503,250 | 4,128 |
| Average total loans | $81,941,750 | 3,656 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 4,579 |
| Cost of funding earning assets | 0.5095% | 2,939 |
| Net interest margin | 3.1924% | 4,524 |
| Noninterest income to average assets | 0.2692% | 4,384 |
| Noninterest expense to average assets | 2.3845% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9376% | 3,290 |
| Return on assets (ROA) | 0.9376% | 3,295 |
| Pretax return on assets | 0.9804% | 3,723 |
| Return on Equity (ROE) | 10.6297% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.6935% | 3,750 |
| Net charge-offs to loans | 0.0073% | 2,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 213.6667% | 403 |
| Efficiency ratio | 70.8636% | 2,182 |
| Assets per employee ($millions) | 4.2524% | 3,490 |
| Cash dividends to net income (ytd only)* | 65.2529% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,392.1569% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 4,832 |
| Noncurrent loans to loans | 0.0616% | 4,646 |
| Net loans and leases to total assets | 62.2721% | 3,566 |
| Net loans and leases to deposits | 70.7292% | 3,800 |
| Net loans and leases to core deposits | 71.5803% | 4,034 |
| Total domestic deposits to total assets | 88.0431% | 1,357 |
| Equity capital to assets | 8.7162% | 4,784 |
| Core capital (leverage) ratio | 8.0863% | 5,317 |
| Tier 1 risk-based capital ratio | 12.5770% | 4,135 |
| Total risk-based capital ratio | 13.3012% | 4,338 |
| Memoranda: | ||
| Average total assets | $130,763,000 | 3,698 |
| Average earning assets | $126,802,330 | 3,607 |
| Average equity | $11,533,670 | 4,150 |
| Average total loans | $81,718,330 | 3,682 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 4,649 |
| Cost of funding earning assets | 0.4593% | 3,139 |
| Net interest margin | 3.1673% | 4,560 |
| Noninterest income to average assets | 0.2826% | 4,284 |
| Noninterest expense to average assets | 2.4633% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8508% | 3,499 |
| Return on assets (ROA) | 0.8508% | 3,516 |
| Pretax return on assets | 0.8907% | 3,878 |
| Return on Equity (ROE) | 9.5885% | 2,645 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,113 |
| Net charge-offs to loans | 0.0197% | 2,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 751 |
| Efficiency ratio | 73.4432% | 1,975 |
| Assets per employee ($millions) | 4.2049% | 3,644 |
| Cash dividends to net income (ytd only)* | 72.2022% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,634 |
| Loan loss allowance to noncurrent loans | 1,289.0909% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,899 |
| Noncurrent loans to loans | 0.0660% | 4,679 |
| Net loans and leases to total assets | 63.3996% | 3,382 |
| Net loans and leases to deposits | 70.9983% | 3,700 |
| Net loans and leases to core deposits | 71.8495% | 3,977 |
| Total domestic deposits to total assets | 89.2974% | 961 |
| Equity capital to assets | 8.7909% | 4,748 |
| Core capital (leverage) ratio | 8.0877% | 5,368 |
| Tier 1 risk-based capital ratio | 13.6379% | 3,578 |
| Total risk-based capital ratio | 14.4308% | 3,760 |
| Memoranda: | ||
| Average total assets | $130,233,000 | 3,747 |
| Average earning assets | $126,290,000 | 3,640 |
| Average equity | $11,555,500 | 4,186 |
| Average total loans | $81,178,000 | 3,729 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 4,891 |
| Cost of funding earning assets | 0.3323% | 3,850 |
| Net interest margin | 3.1024% | 4,690 |
| Noninterest income to average assets | 0.3531% | 3,943 |
| Noninterest expense to average assets | 2.5307% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7936% | 3,192 |
| Return on assets (ROA) | 0.7936% | 3,235 |
| Pretax return on assets | 0.8301% | 4,163 |
| Return on Equity (ROE) | 8.6263% | 2,485 |
| Retained earnings to average equity (ytd only) | 2.3722% | 3,906 |
| Net charge-offs to loans | 0.0128% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 104.6000% | 629 |
| Efficiency ratio | 75.3011% | 1,715 |
| Assets per employee ($millions) | 4.1973% | 3,659 |
| Cash dividends to net income (ytd only)* | 72.5000% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,464 |
| Loan loss allowance to noncurrent loans | 1,620.4545% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,971 |
| Noncurrent loans to loans | 0.0557% | 4,747 |
| Net loans and leases to total assets | 60.1714% | 3,812 |
| Net loans and leases to deposits | 67.8587% | 4,039 |
| Net loans and leases to core deposits | 68.6796% | 4,251 |
| Total domestic deposits to total assets | 88.6716% | 1,161 |
| Equity capital to assets | 8.9552% | 4,770 |
| Core capital (leverage) ratio | 8.2019% | 5,352 |
| Tier 1 risk-based capital ratio | 14.2102% | 3,246 |
| Total risk-based capital ratio | 15.0463% | 3,387 |
| Memoranda: | ||
| Average total assets | $126,013,400 | 3,806 |
| Average earning assets | $122,161,600 | 3,708 |
| Average equity | $11,592,400 | 4,207 |
| Average total loans | $77,888,200 | 3,792 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,923 |
| Cost of funding earning assets | 0.3136% | 3,996 |
| Net interest margin | 3.1173% | 4,664 |
| Noninterest income to average assets | 0.3659% | 3,911 |
| Noninterest expense to average assets | 2.5431% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8086% | 3,486 |
| Return on assets (ROA) | 0.8086% | 3,536 |
| Pretax return on assets | 0.8449% | 4,227 |
| Return on Equity (ROE) | 8.7293% | 2,752 |
| Retained earnings to average equity (ytd only) | 2.3954% | 4,453 |
| Net charge-offs to loans | 0.0086% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 158.3163% | 520 |
| Efficiency ratio | 75.0630% | 1,731 |
| Assets per employee ($millions) | 4.1480% | 3,744 |
| Cash dividends to net income (ytd only)* | 72.5600% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 4,417 |
| Loan loss allowance to noncurrent loans | 2,761.5385% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,145 |
| Noncurrent loans to loans | 0.0338% | 4,967 |
| Net loans and leases to total assets | 61.2837% | 3,740 |
| Net loans and leases to deposits | 69.7227% | 3,984 |
| Net loans and leases to core deposits | 70.6123% | 4,207 |
| Total domestic deposits to total assets | 87.8963% | 1,419 |
| Equity capital to assets | 9.5121% | 4,431 |
| Core capital (leverage) ratio | 8.4149% | 5,307 |
| Tier 1 risk-based capital ratio | 14.4313% | 3,221 |
| Total risk-based capital ratio | 15.2911% | 3,338 |
| Memoranda: | ||
| Average total assets | $124,988,000 | 3,862 |
| Average earning assets | $121,171,250 | 3,765 |
| Average equity | $11,577,500 | 4,250 |
| Average total loans | $77,609,000 | 3,831 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3509% | 5,030 |
| Cost of funding earning assets | 0.2834% | 4,247 |
| Net interest margin | 3.0675% | 4,753 |
| Noninterest income to average assets | 0.3659% | 3,937 |
| Noninterest expense to average assets | 2.5294% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7765% | 3,514 |
| Return on assets (ROA) | 0.7765% | 3,562 |
| Pretax return on assets | 0.8117% | 4,229 |
| Return on Equity (ROE) | 8.4588% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.9319% | 4,478 |
| Net charge-offs to loans | -0.0257% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7054% | 1,771 |
| Assets per employee ($millions) | 3.8534% | 4,193 |
| Cash dividends to net income (ytd only)* | 77.1605% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 4,483 |
| Loan loss allowance to noncurrent loans | 1,094.0299% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,988 |
| Noncurrent loans to loans | 0.0857% | 4,787 |
| Net loans and leases to total assets | 64.8593% | 3,270 |
| Net loans and leases to deposits | 74.6896% | 3,478 |
| Net loans and leases to core deposits | 75.6951% | 3,800 |
| Total domestic deposits to total assets | 86.8384% | 2,022 |
| Equity capital to assets | 9.8373% | 4,097 |
| Core capital (leverage) ratio | 8.2970% | 5,358 |
| Tier 1 risk-based capital ratio | 13.9720% | 3,440 |
| Total risk-based capital ratio | 14.8287% | 3,570 |
| Memoranda: | ||
| Average total assets | $125,170,330 | 3,877 |
| Average earning assets | $121,401,000 | 3,781 |
| Average equity | $11,491,000 | 4,274 |
| Average total loans | $77,818,670 | 3,840 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2128% | 5,227 |
| Cost of funding earning assets | 0.2479% | 4,553 |
| Net interest margin | 2.9649% | 4,970 |
| Noninterest income to average assets | 0.3437% | 4,095 |
| Noninterest expense to average assets | 2.5744% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6186% | 4,073 |
| Return on assets (ROA) | 0.6186% | 4,127 |
| Pretax return on assets | 0.6467% | 4,607 |
| Return on Equity (ROE) | 6.9712% | 3,412 |
| Retained earnings to average equity (ytd only) | -0.0704% | 4,924 |
| Net charge-offs to loans | 0.0103% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 518 |
| Efficiency ratio | 79.9224% | 1,392 |
| Assets per employee ($millions) | 3.9695% | 4,067 |
| Cash dividends to net income (ytd only)* | 101.0101% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,680 |
| Loan loss allowance to noncurrent loans | 3,004.1667% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,260 |
| Noncurrent loans to loans | 0.0306% | 5,087 |
| Net loans and leases to total assets | 63.1116% | 3,391 |
| Net loans and leases to deposits | 71.5884% | 3,644 |
| Net loans and leases to core deposits | 72.7131% | 3,935 |
| Total domestic deposits to total assets | 88.1590% | 1,615 |
| Equity capital to assets | 9.2991% | 4,516 |
| Core capital (leverage) ratio | 8.3562% | 5,337 |
| Tier 1 risk-based capital ratio | 13.7459% | 3,636 |
| Total risk-based capital ratio | 14.5829% | 3,784 |
| Memoranda: | ||
| Average total assets | $128,028,500 | 3,875 |
| Average earning assets | $124,254,000 | 3,765 |
| Average equity | $11,361,000 | 4,326 |
| Average total loans | $77,623,000 | 3,868 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 5,176 |
| Cost of funding earning assets | 0.1877% | 5,133 |
| Net interest margin | 3.0991% | 4,729 |
| Noninterest income to average assets | 0.5255% | 3,054 |
| Noninterest expense to average assets | 2.6557% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8318% | 3,146 |
| Return on assets (ROA) | 0.8318% | 3,258 |
| Pretax return on assets | 0.8693% | 3,947 |
| Return on Equity (ROE) | 8.4190% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.8787% | 2,426 |
| Net charge-offs to loans | 0.0176% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 78.3846% | 725 |
| Efficiency ratio | 75.3388% | 2,088 |
| Assets per employee ($millions) | 4.1563% | 3,692 |
| Cash dividends to net income (ytd only)* | 42.0513% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 4,620 |
| Loan loss allowance to noncurrent loans | 1,902.6316% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,261 |
| Noncurrent loans to loans | 0.0494% | 5,050 |
| Net loans and leases to total assets | 57.2473% | 4,143 |
| Net loans and leases to deposits | 71.4668% | 3,763 |
| Net loans and leases to core deposits | 72.7756% | 4,030 |
| Total domestic deposits to total assets | 80.1033% | 4,552 |
| Equity capital to assets | 8.4803% | 5,282 |
| Core capital (leverage) ratio | 7.9482% | 5,641 |
| Tier 1 risk-based capital ratio | 14.0283% | 3,449 |
| Total risk-based capital ratio | 14.8847% | 3,588 |
| Memoranda: | ||
| Average total assets | $117,220,400 | 4,043 |
| Average earning assets | $113,453,400 | 3,938 |
| Average equity | $11,581,000 | 4,322 |
| Average total loans | $73,931,600 | 3,943 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 5,099 |
| Cost of funding earning assets | 0.1826% | 5,244 |
| Net interest margin | 3.1798% | 4,541 |
| Noninterest income to average assets | 0.5461% | 2,936 |
| Noninterest expense to average assets | 2.7578% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8251% | 3,259 |
| Return on assets (ROA) | 0.8251% | 3,386 |
| Pretax return on assets | 0.8628% | 4,111 |
| Return on Equity (ROE) | 8.0182% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.6162% | 2,424 |
| Net charge-offs to loans | -0.0018% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1704% | 1,954 |
| Assets per employee ($millions) | 3.7444% | 4,398 |
| Cash dividends to net income (ytd only)* | 29.9570% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 4,539 |
| Loan loss allowance to noncurrent loans | 2,303.1250% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,388 |
| Noncurrent loans to loans | 0.0423% | 5,194 |
| Net loans and leases to total assets | 64.5413% | 3,329 |
| Net loans and leases to deposits | 74.7369% | 3,527 |
| Net loans and leases to core deposits | 75.8070% | 3,859 |
| Total domestic deposits to total assets | 86.3581% | 2,188 |
| Equity capital to assets | 10.3329% | 3,766 |
| Core capital (leverage) ratio | 8.6007% | 5,260 |
| Tier 1 risk-based capital ratio | 14.2999% | 3,397 |
| Total risk-based capital ratio | 15.1954% | 3,512 |
| Memoranda: | ||
| Average total assets | $113,275,000 | 4,138 |
| Average earning assets | $109,521,000 | 4,041 |
| Average equity | $11,656,500 | 4,346 |
| Average total loans | $73,198,750 | 3,985 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3176% | 5,253 |
| Cost of funding earning assets | 0.1768% | 5,357 |
| Net interest margin | 3.1408% | 4,714 |
| Noninterest income to average assets | 0.5216% | 3,053 |
| Noninterest expense to average assets | 2.7114% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8083% | 3,273 |
| Return on assets (ROA) | 0.8083% | 3,404 |
| Pretax return on assets | 0.8456% | 4,138 |
| Return on Equity (ROE) | 7.8656% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,454 |
| Net charge-offs to loans | -0.0276% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2262% | 2,048 |
| Assets per employee ($millions) | 3.6328% | 4,544 |
| Cash dividends to net income (ytd only)* | 30.8370% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 4,513 |
| Loan loss allowance to noncurrent loans | 1,434.6154% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,393 |
| Noncurrent loans to loans | 0.0698% | 5,170 |
| Net loans and leases to total assets | 63.4443% | 3,441 |
| Net loans and leases to deposits | 73.0281% | 3,699 |
| Net loans and leases to core deposits | 74.0651% | 3,976 |
| Total domestic deposits to total assets | 86.8766% | 1,972 |
| Equity capital to assets | 10.2770% | 3,890 |
| Core capital (leverage) ratio | 8.8341% | 5,016 |
| Tier 1 risk-based capital ratio | 13.8788% | 3,678 |
| Total risk-based capital ratio | 14.7719% | 3,795 |
| Memoranda: | ||
| Average total assets | $112,341,330 | 4,179 |
| Average earning assets | $108,571,000 | 4,089 |
| Average equity | $11,544,000 | 4,392 |
| Average total loans | $72,380,330 | 4,032 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 5,203 |
| Cost of funding earning assets | 0.1766% | 5,407 |
| Net interest margin | 3.1832% | 4,631 |
| Noninterest income to average assets | 0.4385% | 3,554 |
| Noninterest expense to average assets | 2.8953% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5870% | 4,237 |
| Return on assets (ROA) | 0.5870% | 4,353 |
| Pretax return on assets | 0.6124% | 4,784 |
| Return on Equity (ROE) | 5.7130% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.2444% | 3,874 |
| Net charge-offs to loans | -0.0393% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5413% | 1,319 |
| Assets per employee ($millions) | 3.4210% | 4,928 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,303.5088% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 5,418 |
| Noncurrent loans to loans | 0.0785% | 5,162 |
| Net loans and leases to total assets | 63.6364% | 3,289 |
| Net loans and leases to deposits | 73.0017% | 3,550 |
| Net loans and leases to core deposits | 73.8376% | 3,917 |
| Total domestic deposits to total assets | 87.1710% | 2,117 |
| Equity capital to assets | 10.1609% | 3,886 |
| Core capital (leverage) ratio | 9.0012% | 4,854 |
| Tier 1 risk-based capital ratio | 14.0541% | 3,658 |
| Total risk-based capital ratio | 14.9724% | 3,791 |
| Memoranda: | ||
| Average total assets | $110,387,000 | 4,256 |
| Average earning assets | $106,433,500 | 4,154 |
| Average equity | $11,342,500 | 4,440 |
| Average total loans | $71,320,500 | 4,083 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 5,325 |
| Cost of funding earning assets | 0.1016% | 5,955 |
| Net interest margin | 3.2120% | 4,586 |
| Noninterest income to average assets | 0.5589% | 2,968 |
| Noninterest expense to average assets | 3.0388% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6034% | 4,253 |
| Return on assets (ROA) | 0.6034% | 4,351 |
| Pretax return on assets | 0.6337% | 4,731 |
| Return on Equity (ROE) | 5.7363% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.2148% | 3,769 |
| Net charge-offs to loans | 0.0906% | 2,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.7903% | 2,656 |
| Efficiency ratio | 82.7444% | 1,302 |
| Assets per employee ($millions) | 3.2692% | 5,192 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,313 |
| Loan loss allowance to noncurrent loans | 1,362.9630% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,479 |
| Noncurrent loans to loans | 0.0771% | 5,193 |
| Net loans and leases to total assets | 64.2551% | 3,237 |
| Net loans and leases to deposits | 73.9424% | 3,503 |
| Net loans and leases to core deposits | 74.1512% | 3,924 |
| Total domestic deposits to total assets | 86.8989% | 2,193 |
| Equity capital to assets | 10.3917% | 3,502 |
| Core capital (leverage) ratio | 9.2709% | 4,516 |
| Tier 1 risk-based capital ratio | 15.1464% | 3,107 |
| Total risk-based capital ratio | 16.1351% | 3,163 |
| Memoranda: | ||
| Average total assets | $105,567,000 | 4,345 |
| Average earning assets | $102,335,000 | 4,234 |
| Average equity | $11,104,800 | 4,461 |
| Average total loans | $68,416,400 | 4,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3191% | 5,373 |
| Cost of funding earning assets | 0.0916% | 6,083 |
| Net interest margin | 3.2275% | 4,585 |
| Noninterest income to average assets | 0.5702% | 2,913 |
| Noninterest expense to average assets | 2.9819% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6896% | 3,948 |
| Return on assets (ROA) | 0.6896% | 4,063 |
| Pretax return on assets | 0.7213% | 4,607 |
| Return on Equity (ROE) | 6.5351% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.0078% | 3,611 |
| Net charge-offs to loans | 0.1137% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.7932% | 2,663 |
| Efficiency ratio | 80.5213% | 1,577 |
| Assets per employee ($millions) | 3.1308% | 5,389 |
| Cash dividends to net income (ytd only)* | 38.6737% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 4,028 |
| Loan loss allowance to noncurrent loans | 1,298.2456% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,365 |
| Noncurrent loans to loans | 0.0874% | 5,278 |
| Net loans and leases to total assets | 62.3731% | 3,552 |
| Net loans and leases to deposits | 72.4678% | 3,708 |
| Net loans and leases to core deposits | 72.6828% | 4,128 |
| Total domestic deposits to total assets | 86.0701% | 2,487 |
| Equity capital to assets | 10.9798% | 3,051 |
| Core capital (leverage) ratio | 10.6663% | 2,861 |
| Tier 1 risk-based capital ratio | 16.2053% | 2,711 |
| Total risk-based capital ratio | 17.2711% | 2,731 |
| Memoranda: | ||
| Average total assets | $104,987,750 | 4,404 |
| Average earning assets | $101,913,750 | 4,284 |
| Average equity | $11,078,250 | 4,515 |
| Average total loans | $68,006,250 | 4,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 5,448 |
| Cost of funding earning assets | 0.0937% | 6,156 |
| Net interest margin | 3.2002% | 4,662 |
| Noninterest income to average assets | 0.5438% | 3,083 |
| Noninterest expense to average assets | 2.9125% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7049% | 3,869 |
| Return on assets (ROA) | 0.7049% | 3,988 |
| Pretax return on assets | 0.7371% | 4,535 |
| Return on Equity (ROE) | 6.7700% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.2221% | 3,347 |
| Net charge-offs to loans | 0.0551% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 20.4737% | 1,707 |
| Efficiency ratio | 79.8027% | 1,791 |
| Assets per employee ($millions) | 3.1082% | 5,456 |
| Cash dividends to net income (ytd only)* | 37.6344% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 4,249 |
| Loan loss allowance to noncurrent loans | 1,391.0714% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 5,463 |
| Noncurrent loans to loans | 0.0801% | 5,415 |
| Net loans and leases to total assets | 63.5422% | 3,337 |
| Net loans and leases to deposits | 73.3538% | 3,572 |
| Net loans and leases to core deposits | 73.5591% | 3,992 |
| Total domestic deposits to total assets | 86.6242% | 2,358 |
| Equity capital to assets | 10.1631% | 3,846 |
| Core capital (leverage) ratio | 10.4745% | 2,995 |
| Tier 1 risk-based capital ratio | 15.1777% | 3,260 |
| Total risk-based capital ratio | 16.2381% | 3,301 |
| Memoranda: | ||
| Average total assets | $105,544,670 | 4,433 |
| Average earning assets | $102,432,330 | 4,308 |
| Average equity | $10,989,670 | 4,564 |
| Average total loans | $68,947,670 | 4,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,409 |
| Cost of funding earning assets | 0.0952% | 6,223 |
| Net interest margin | 3.2215% | 4,522 |
| Noninterest income to average assets | 0.5004% | 3,287 |
| Noninterest expense to average assets | 3.0599% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5427% | 4,500 |
| Return on assets (ROA) | 0.5427% | 4,614 |
| Pretax return on assets | 0.5658% | 5,004 |
| Return on Equity (ROE) | 5.1476% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.5921% | 4,384 |
| Net charge-offs to loans | 0.0351% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,292 |
| Efficiency ratio | 84.3949% | 1,326 |
| Assets per employee ($millions) | 3.2908% | 5,256 |
| Cash dividends to net income (ytd only)* | 49.6454% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 4,362 |
| Loan loss allowance to noncurrent loans | 1,147.8261% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,670 |
| Noncurrent loans to loans | 0.0987% | 5,399 |
| Net loans and leases to total assets | 65.6360% | 2,832 |
| Net loans and leases to deposits | 75.8497% | 3,076 |
| Net loans and leases to core deposits | 76.3423% | 3,557 |
| Total domestic deposits to total assets | 86.5344% | 2,645 |
| Equity capital to assets | 10.4981% | 3,535 |
| Core capital (leverage) ratio | 10.5380% | 2,911 |
| Tier 1 risk-based capital ratio | 14.8458% | 3,516 |
| Total risk-based capital ratio | 15.9158% | 3,544 |
| Memoranda: | ||
| Average total assets | $103,924,000 | 4,502 |
| Average earning assets | $100,822,000 | 4,379 |
| Average equity | $10,956,500 | 4,604 |
| Average total loans | $68,469,500 | 4,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 5,701 |
| Cost of funding earning assets | 0.1102% | 6,298 |
| Net interest margin | 3.1934% | 4,945 |
| Noninterest income to average assets | 0.5769% | 3,009 |
| Noninterest expense to average assets | 3.1689% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4791% | 4,892 |
| Return on assets (ROA) | 0.4791% | 4,986 |
| Pretax return on assets | 0.4967% | 5,262 |
| Return on Equity (ROE) | 4.4816% | 4,899 |
| Retained earnings to average equity (ytd only) | 0.6402% | 5,477 |
| Net charge-offs to loans | 0.0507% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.8750% | 2,055 |
| Efficiency ratio | 86.4497% | 1,128 |
| Assets per employee ($millions) | 3.2042% | 5,425 |
| Cash dividends to net income (ytd only)* | 85.7143% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,062 |
| Loan loss allowance to noncurrent loans | 876.9231% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 5,671 |
| Noncurrent loans to loans | 0.1358% | 5,349 |
| Net loans and leases to total assets | 64.5936% | 3,125 |
| Net loans and leases to deposits | 74.0607% | 3,429 |
| Net loans and leases to core deposits | 74.5509% | 3,870 |
| Total domestic deposits to total assets | 87.2170% | 2,161 |
| Equity capital to assets | 10.5818% | 3,387 |
| Core capital (leverage) ratio | 10.6623% | 2,763 |
| Tier 1 risk-based capital ratio | 15.0106% | 3,482 |
| Total risk-based capital ratio | 16.1085% | 3,500 |
| Memoranda: | ||
| Average total assets | $102,275,600 | 4,537 |
| Average earning assets | $98,923,000 | 4,425 |
| Average equity | $10,933,600 | 4,576 |
| Average total loans | $63,156,800 | 4,393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,740 |
| Cost of funding earning assets | 0.1133% | 6,363 |
| Net interest margin | 3.2020% | 4,965 |
| Noninterest income to average assets | 0.5622% | 3,120 |
| Noninterest expense to average assets | 3.0316% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6079% | 4,414 |
| Return on assets (ROA) | 0.6079% | 4,499 |
| Pretax return on assets | 0.6261% | 4,944 |
| Return on Equity (ROE) | 5.6718% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.1158% | 4,403 |
| Net charge-offs to loans | 0.0579% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.7772% | 1,884 |
| Efficiency ratio | 82.8816% | 1,509 |
| Assets per employee ($millions) | 3.0931% | 5,606 |
| Cash dividends to net income (ytd only)* | 45.0637% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,915 |
| Loan loss allowance to noncurrent loans | 882.4176% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,816 |
| Noncurrent loans to loans | 0.1421% | 5,493 |
| Net loans and leases to total assets | 60.1249% | 3,767 |
| Net loans and leases to deposits | 69.0302% | 4,019 |
| Net loans and leases to core deposits | 69.7191% | 4,349 |
| Total domestic deposits to total assets | 87.0994% | 2,260 |
| Equity capital to assets | 10.5015% | 3,558 |
| Core capital (leverage) ratio | 10.9874% | 2,501 |
| Tier 1 risk-based capital ratio | 15.6252% | 3,246 |
| Total risk-based capital ratio | 16.7561% | 3,256 |
| Memoranda: | ||
| Average total assets | $102,210,750 | 4,592 |
| Average earning assets | $98,811,500 | 4,469 |
| Average equity | $10,954,500 | 4,605 |
| Average total loans | $62,188,750 | 4,458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 5,723 |
| Cost of funding earning assets | 0.1166% | 6,427 |
| Net interest margin | 3.2266% | 4,851 |
| Noninterest income to average assets | 0.5177% | 3,356 |
| Noninterest expense to average assets | 3.0447% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5769% | 4,471 |
| Return on assets (ROA) | 0.5769% | 4,577 |
| Pretax return on assets | 0.5888% | 4,985 |
| Return on Equity (ROE) | 5.3457% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.7827% | 4,429 |
| Net charge-offs to loans | 0.0422% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,488 |
| Efficiency ratio | 83.7955% | 1,541 |
| Assets per employee ($millions) | 2.9032% | 5,882 |
| Cash dividends to net income (ytd only)* | 47.9452% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,847 |
| Loan loss allowance to noncurrent loans | 609.7015% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,761 |
| Noncurrent loans to loans | 0.2133% | 5,375 |
| Net loans and leases to total assets | 61.0121% | 3,563 |
| Net loans and leases to deposits | 71.5134% | 3,637 |
| Net loans and leases to core deposits | 72.2889% | 4,019 |
| Total domestic deposits to total assets | 85.3156% | 3,353 |
| Equity capital to assets | 10.9073% | 2,971 |
| Core capital (leverage) ratio | 10.7999% | 2,621 |
| Tier 1 risk-based capital ratio | 15.9202% | 3,139 |
| Total risk-based capital ratio | 17.1036% | 3,108 |
| Memoranda: | ||
| Average total assets | $101,225,670 | 4,654 |
| Average earning assets | $97,748,670 | 4,534 |
| Average equity | $10,924,670 | 4,622 |
| Average total loans | $61,573,670 | 4,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3354% | 5,782 |
| Cost of funding earning assets | 0.1191% | 6,499 |
| Net interest margin | 3.2163% | 4,876 |
| Noninterest income to average assets | 0.4949% | 3,452 |
| Noninterest expense to average assets | 2.9297% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6533% | 3,934 |
| Return on assets (ROA) | 0.6533% | 4,033 |
| Pretax return on assets | 0.6651% | 4,618 |
| Return on Equity (ROE) | 6.0855% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.5038% | 4,027 |
| Net charge-offs to loans | 0.2166% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 2,426 |
| Efficiency ratio | 81.4978% | 1,991 |
| Assets per employee ($millions) | 2.8372% | 6,059 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 4,292 |
| Loan loss allowance to noncurrent loans | 561.2676% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 5,837 |
| Noncurrent loans to loans | 0.2259% | 5,420 |
| Net loans and leases to total assets | 60.7658% | 3,434 |
| Net loans and leases to deposits | 73.8526% | 3,084 |
| Net loans and leases to core deposits | 74.6781% | 3,571 |
| Total domestic deposits to total assets | 82.2799% | 4,863 |
| Equity capital to assets | 10.6914% | 3,049 |
| Core capital (leverage) ratio | 10.9027% | 2,486 |
| Tier 1 risk-based capital ratio | 16.0989% | 3,124 |
| Total risk-based capital ratio | 17.2722% | 3,112 |
| Memoranda: | ||
| Average total assets | $101,033,000 | 4,707 |
| Average earning assets | $97,378,500 | 4,586 |
| Average equity | $10,845,500 | 4,655 |
| Average total loans | $60,954,500 | 4,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 5,865 |
| Cost of funding earning assets | 0.1709% | 6,435 |
| Net interest margin | 3.2171% | 4,941 |
| Noninterest income to average assets | 0.6577% | 2,767 |
| Noninterest expense to average assets | 3.3339% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4045% | 5,130 |
| Return on assets (ROA) | 0.4045% | 5,240 |
| Pretax return on assets | 0.4241% | 5,429 |
| Return on Equity (ROE) | 3.5367% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.0169% | 5,384 |
| Net charge-offs to loans | 0.0603% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 12.4848% | 2,122 |
| Efficiency ratio | 88.7154% | 1,145 |
| Assets per employee ($millions) | 2.8551% | 6,035 |
| Cash dividends to net income (ytd only)* | 71.2468% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 3,627 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,094 |
| Noncurrent loans to loans | 0.1406% | 5,781 |
| Net loans and leases to total assets | 58.2589% | 3,991 |
| Net loans and leases to deposits | 67.0070% | 4,180 |
| Net loans and leases to core deposits | 67.5262% | 4,560 |
| Total domestic deposits to total assets | 86.9446% | 2,754 |
| Equity capital to assets | 10.7788% | 2,846 |
| Core capital (leverage) ratio | 10.9625% | 2,424 |
| Tier 1 risk-based capital ratio | 17.0610% | 2,581 |
| Total risk-based capital ratio | 18.3123% | 2,551 |
| Memoranda: | ||
| Average total assets | $97,154,800 | 4,810 |
| Average earning assets | $93,626,000 | 4,686 |
| Average equity | $11,112,200 | 4,612 |
| Average total loans | $54,702,200 | 4,792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 5,866 |
| Cost of funding earning assets | 0.1836% | 6,483 |
| Net interest margin | 3.2232% | 4,918 |
| Noninterest income to average assets | 0.6856% | 2,698 |
| Noninterest expense to average assets | 3.2496% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5183% | 4,725 |
| Return on assets (ROA) | 0.5183% | 4,880 |
| Pretax return on assets | 0.5418% | 5,229 |
| Return on Equity (ROE) | 4.4652% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.9646% | 5,151 |
| Net charge-offs to loans | 0.0870% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.1988% | 2,266 |
| Efficiency ratio | 85.7091% | 1,388 |
| Assets per employee ($millions) | 2.6551% | 6,321 |
| Cash dividends to net income (ytd only)* | 55.9991% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 3,636 |
| Loan loss allowance to noncurrent loans | 1,061.5385% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,197 |
| Noncurrent loans to loans | 0.1376% | 5,915 |
| Net loans and leases to total assets | 56.8562% | 4,195 |
| Net loans and leases to deposits | 68.8701% | 3,954 |
| Net loans and leases to core deposits | 69.4420% | 4,378 |
| Total domestic deposits to total assets | 82.5558% | 4,736 |
| Equity capital to assets | 11.2481% | 2,512 |
| Core capital (leverage) ratio | 11.3773% | 2,144 |
| Tier 1 risk-based capital ratio | 18.1317% | 2,272 |
| Total risk-based capital ratio | 19.3834% | 2,236 |
| Memoranda: | ||
| Average total assets | $96,461,500 | 4,871 |
| Average earning assets | $92,947,500 | 4,751 |
| Average equity | $11,197,500 | 4,646 |
| Average total loans | $53,616,000 | 4,867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 5,816 |
| Cost of funding earning assets | 0.1971% | 6,492 |
| Net interest margin | 3.2418% | 4,799 |
| Noninterest income to average assets | 0.6697% | 2,795 |
| Noninterest expense to average assets | 3.2461% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5215% | 4,711 |
| Return on assets (ROA) | 0.5215% | 4,877 |
| Pretax return on assets | 0.5466% | 5,211 |
| Return on Equity (ROE) | 4.4458% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.9561% | 5,029 |
| Net charge-offs to loans | 0.0152% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 665 |
| Efficiency ratio | 85.5886% | 1,458 |
| Assets per employee ($millions) | 2.5438% | 6,457 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 2,804 |
| Loan loss allowance to noncurrent loans | 842.1569% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 6,167 |
| Noncurrent loans to loans | 0.2009% | 5,809 |
| Net loans and leases to total assets | 53.0205% | 4,732 |
| Net loans and leases to deposits | 61.9718% | 4,748 |
| Net loans and leases to core deposits | 62.7858% | 5,030 |
| Total domestic deposits to total assets | 85.5560% | 3,610 |
| Equity capital to assets | 11.5956% | 2,219 |
| Core capital (leverage) ratio | 11.3670% | 2,042 |
| Tier 1 risk-based capital ratio | 19.7588% | 1,776 |
| Total risk-based capital ratio | 21.0113% | 1,753 |
| Memoranda: | ||
| Average total assets | $95,869,000 | 4,913 |
| Average earning assets | $92,356,330 | 4,789 |
| Average equity | $11,246,670 | 4,672 |
| Average total loans | $52,593,670 | 4,928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 5,852 |
| Cost of funding earning assets | 0.2104% | 6,526 |
| Net interest margin | 3.2327% | 4,793 |
| Noninterest income to average assets | 0.6450% | 2,905 |
| Noninterest expense to average assets | 3.0845% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6533% | 3,942 |
| Return on assets (ROA) | 0.6533% | 4,096 |
| Pretax return on assets | 0.6740% | 4,687 |
| Return on Equity (ROE) | 5.5375% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,432 |
| Net charge-offs to loans | -0.0523% | 6,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0682% | 2,028 |
| Assets per employee ($millions) | 2.6259% | 6,471 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,276 |
| Loan loss allowance to noncurrent loans | 1,225.3521% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 6,382 |
| Noncurrent loans to loans | 0.1329% | 6,070 |
| Net loans and leases to total assets | 54.0789% | 4,403 |
| Net loans and leases to deposits | 64.6106% | 4,243 |
| Net loans and leases to core deposits | 65.9289% | 4,540 |
| Total domestic deposits to total assets | 83.6997% | 4,594 |
| Equity capital to assets | 11.7880% | 2,186 |
| Core capital (leverage) ratio | 11.2406% | 2,063 |
| Tier 1 risk-based capital ratio | 18.7830% | 2,101 |
| Total risk-based capital ratio | 20.0358% | 2,076 |
| Memoranda: | ||
| Average total assets | $96,742,500 | 4,939 |
| Average earning assets | $93,172,000 | 4,821 |
| Average equity | $11,413,000 | 4,699 |
| Average total loans | $53,509,000 | 4,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 5,846 |
| Cost of funding earning assets | 0.2547% | 6,651 |
| Net interest margin | 3.5360% | 4,353 |
| Noninterest income to average assets | 0.6689% | 2,885 |
| Noninterest expense to average assets | 3.2809% | 2,394 |
| Loan and lease loss provision to assets | 0.0730% | 4,811 |
| Net operating income to assets | 0.6887% | 3,790 |
| Return on assets (ROA) | 0.6887% | 4,051 |
| Pretax return on assets | 0.7190% | 4,601 |
| Return on Equity (ROE) | 5.6373% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.4271% | 5,926 |
| Net charge-offs to loans | 0.0887% | 4,791 |
| Credit loss provision to net charge-offs | 145.8333% | 1,873 |
| Earnings coverage of net charge-offs (x) | 15.8125% | 1,627 |
| Efficiency ratio | 80.5534% | 2,078 |
| Assets per employee ($millions) | 2.6758% | 6,451 |
| Cash dividends to net income (ytd only)* | 107.5758% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,266 |
| Loan loss allowance to noncurrent loans | 1,135.5263% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,407 |
| Noncurrent loans to loans | 0.1418% | 6,129 |
| Net loans and leases to total assets | 54.7541% | 4,496 |
| Net loans and leases to deposits | 65.4193% | 4,369 |
| Net loans and leases to core deposits | 66.7641% | 4,660 |
| Total domestic deposits to total assets | 83.6972% | 4,448 |
| Equity capital to assets | 11.8067% | 2,181 |
| Core capital (leverage) ratio | 11.3912% | 1,941 |
| Tier 1 risk-based capital ratio | 18.7502% | 2,026 |
| Total risk-based capital ratio | 20.0024% | 1,992 |
| Memoranda: | ||
| Average total assets | $95,826,800 | 4,946 |
| Average earning assets | $92,251,400 | 4,804 |
| Average equity | $11,707,800 | 4,629 |
| Average total loans | $54,143,000 | 4,931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 5,899 |
| Cost of funding earning assets | 0.2662% | 6,746 |
| Net interest margin | 3.5871% | 4,286 |
| Noninterest income to average assets | 0.6604% | 2,932 |
| Noninterest expense to average assets | 3.1347% | 2,786 |
| Loan and lease loss provision to assets | 0.0975% | 4,355 |
| Net operating income to assets | 0.8359% | 3,284 |
| Return on assets (ROA) | 0.8359% | 3,528 |
| Pretax return on assets | 0.8819% | 4,185 |
| Return on Equity (ROE) | 6.7844% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.4099% | 3,787 |
| Net charge-offs to loans | 0.0983% | 4,399 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 17.5757% | 1,615 |
| Efficiency ratio | 76.1937% | 2,648 |
| Assets per employee ($millions) | 2.5782% | 6,625 |
| Cash dividends to net income (ytd only)* | 34.9996% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,146.0526% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 6,542 |
| Noncurrent loans to loans | 0.1448% | 6,244 |
| Net loans and leases to total assets | 54.0977% | 4,736 |
| Net loans and leases to deposits | 65.4865% | 4,536 |
| Net loans and leases to core deposits | 67.6631% | 4,760 |
| Total domestic deposits to total assets | 82.6090% | 4,785 |
| Equity capital to assets | 12.5710% | 1,847 |
| Core capital (leverage) ratio | 11.9446% | 1,685 |
| Tier 1 risk-based capital ratio | 19.7633% | 1,818 |
| Total risk-based capital ratio | 21.0164% | 1,790 |
| Memoranda: | ||
| Average total assets | $95,701,750 | 4,995 |
| Average earning assets | $92,142,750 | 4,844 |
| Average equity | $11,791,500 | 4,658 |
| Average total loans | $54,277,250 | 4,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 5,838 |
| Cost of funding earning assets | 0.2732% | 6,829 |
| Net interest margin | 3.6556% | 4,009 |
| Noninterest income to average assets | 0.6179% | 3,144 |
| Noninterest expense to average assets | 3.1669% | 2,704 |
| Loan and lease loss provision to assets | 0.1461% | 3,694 |
| Net operating income to assets | 0.7766% | 3,480 |
| Return on assets (ROA) | 0.7766% | 3,750 |
| Pretax return on assets | 0.8246% | 4,386 |
| Return on Equity (ROE) | 6.3456% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,983 |
| Net charge-offs to loans | 0.2150% | 3,287 |
| Credit loss provision to net charge-offs | 118.6441% | 2,321 |
| Earnings coverage of net charge-offs (x) | 7.8814% | 2,402 |
| Efficiency ratio | 76.5388% | 2,663 |
| Assets per employee ($millions) | 2.5006% | 6,762 |
| Cash dividends to net income (ytd only)* | 37.6344% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 3,443 |
| Loan loss allowance to noncurrent loans | 450.7937% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 6,274 |
| Noncurrent loans to loans | 0.3648% | 5,814 |
| Net loans and leases to total assets | 55.0700% | 4,618 |
| Net loans and leases to deposits | 67.1698% | 4,334 |
| Net loans and leases to core deposits | 69.9692% | 4,533 |
| Total domestic deposits to total assets | 81.9863% | 5,139 |
| Equity capital to assets | 12.6908% | 1,691 |
| Core capital (leverage) ratio | 11.9627% | 1,619 |
| Tier 1 risk-based capital ratio | 19.4248% | 1,870 |
| Total risk-based capital ratio | 20.6772% | 1,837 |
| Memoranda: | ||
| Average total assets | $95,804,330 | 5,013 |
| Average earning assets | $92,243,000 | 4,862 |
| Average equity | $11,724,670 | 4,671 |
| Average total loans | $54,877,330 | 4,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 5,818 |
| Cost of funding earning assets | 0.2767% | 6,917 |
| Net interest margin | 3.7074% | 3,793 |
| Noninterest income to average assets | 0.6157% | 3,132 |
| Noninterest expense to average assets | 3.0048% | 3,226 |
| Loan and lease loss provision to assets | 0.1642% | 3,336 |
| Net operating income to assets | 0.9811% | 2,552 |
| Return on assets (ROA) | 0.9811% | 2,755 |
| Pretax return on assets | 1.0221% | 3,598 |
| Return on Equity (ROE) | 8.1598% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.7699% | 3,100 |
| Net charge-offs to loans | 0.1489% | 3,205 |
| Credit loss provision to net charge-offs | 190.4762% | 1,385 |
| Earnings coverage of net charge-offs (x) | 13.7619% | 1,515 |
| Efficiency ratio | 71.6944% | 3,496 |
| Assets per employee ($millions) | 2.7274% | 6,598 |
| Cash dividends to net income (ytd only)* | 29.2887% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 3,919 |
| Loan loss allowance to noncurrent loans | 423.6453% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,368 |
| Noncurrent loans to loans | 0.3669% | 5,938 |
| Net loans and leases to total assets | 55.4728% | 4,474 |
| Net loans and leases to deposits | 67.0731% | 4,220 |
| Net loans and leases to core deposits | 68.3534% | 4,646 |
| Total domestic deposits to total assets | 82.7051% | 5,039 |
| Equity capital to assets | 11.9967% | 2,044 |
| Core capital (leverage) ratio | 11.5471% | 1,867 |
| Tier 1 risk-based capital ratio | 18.0831% | 2,255 |
| Total risk-based capital ratio | 19.3368% | 2,227 |
| Memoranda: | ||
| Average total assets | $97,444,500 | 5,003 |
| Average earning assets | $93,974,500 | 4,852 |
| Average equity | $11,716,000 | 4,671 |
| Average total loans | $56,413,500 | 4,967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 5,474 |
| Cost of funding earning assets | 0.3910% | 6,916 |
| Net interest margin | 3.9974% | 2,892 |
| Noninterest income to average assets | 0.5611% | 3,424 |
| Noninterest expense to average assets | 3.3042% | 2,507 |
| Loan and lease loss provision to assets | 0.5019% | 2,096 |
| Net operating income to assets | 0.5769% | 4,112 |
| Return on assets (ROA) | 0.5769% | 4,295 |
| Pretax return on assets | 0.6012% | 4,692 |
| Return on Equity (ROE) | 4.7549% | 4,499 |
| Retained earnings to average equity (ytd only) | 0.7489% | 5,502 |
| Net charge-offs to loans | 0.0538% | 5,782 |
| Credit loss provision to net charge-offs | 1,532.2581% | 145 |
| Earnings coverage of net charge-offs (x) | 33.6774% | 768 |
| Efficiency ratio | 74.9700% | 3,063 |
| Assets per employee ($millions) | 2.5448% | 6,791 |
| Cash dividends to net income (ytd only)* | 84.2491% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 4,183 |
| Loan loss allowance to noncurrent loans | 346.0905% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,340 |
| Noncurrent loans to loans | 0.4226% | 5,862 |
| Net loans and leases to total assets | 58.5912% | 4,267 |
| Net loans and leases to deposits | 71.0239% | 3,947 |
| Net loans and leases to core deposits | 72.7726% | 4,407 |
| Total domestic deposits to total assets | 82.4950% | 4,965 |
| Equity capital to assets | 12.0502% | 2,087 |
| Core capital (leverage) ratio | 11.4839% | 1,900 |
| Tier 1 risk-based capital ratio | 17.4849% | 2,391 |
| Total risk-based capital ratio | 18.7158% | 2,361 |
| Memoranda: | ||
| Average total assets | $94,637,400 | 5,061 |
| Average earning assets | $91,059,800 | 4,889 |
| Average equity | $11,482,800 | 4,664 |
| Average total loans | $57,583,600 | 4,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 5,276 |
| Cost of funding earning assets | 0.4125% | 6,989 |
| Net interest margin | 4.0792% | 2,557 |
| Noninterest income to average assets | 0.5553% | 3,478 |
| Noninterest expense to average assets | 3.2879% | 2,537 |
| Loan and lease loss provision to assets | 0.5666% | 1,733 |
| Net operating income to assets | 0.5553% | 4,295 |
| Return on assets (ROA) | 0.5553% | 4,470 |
| Pretax return on assets | 0.6233% | 4,732 |
| Return on Equity (ROE) | 4.5685% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.0233% | 5,948 |
| Net charge-offs to loans | 0.0486% | 5,503 |
| Credit loss provision to net charge-offs | 1,904.7619% | 140 |
| Earnings coverage of net charge-offs (x) | 39.9989% | 769 |
| Efficiency ratio | 73.4261% | 3,294 |
| Assets per employee ($millions) | 2.4900% | 6,902 |
| Cash dividends to net income (ytd only)* | 99.4911% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 4,247 |
| Loan loss allowance to noncurrent loans | 524.3243% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,649 |
| Noncurrent loans to loans | 0.2804% | 6,297 |
| Net loans and leases to total assets | 56.4393% | 4,770 |
| Net loans and leases to deposits | 67.3257% | 4,719 |
| Net loans and leases to core deposits | 68.9277% | 5,068 |
| Total domestic deposits to total assets | 83.8303% | 4,312 |
| Equity capital to assets | 12.6768% | 1,802 |
| Core capital (leverage) ratio | 11.7965% | 1,828 |
| Tier 1 risk-based capital ratio | 18.6518% | 2,048 |
| Total risk-based capital ratio | 19.9030% | 2,004 |
| Memoranda: | ||
| Average total assets | $94,120,750 | 5,098 |
| Average earning assets | $90,506,500 | 4,940 |
| Average equity | $11,440,250 | 4,708 |
| Average total loans | $57,604,250 | 5,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 5,193 |
| Cost of funding earning assets | 0.4341% | 7,051 |
| Net interest margin | 4.1105% | 2,369 |
| Noninterest income to average assets | 0.5149% | 3,748 |
| Noninterest expense to average assets | 3.2832% | 2,624 |
| Loan and lease loss provision to assets | 0.6858% | 1,394 |
| Net operating income to assets | 0.4347% | 4,794 |
| Return on assets (ROA) | 0.4347% | 4,937 |
| Pretax return on assets | 0.5022% | 5,066 |
| Return on Equity (ROE) | 3.6265% | 5,102 |
| Retained earnings to average equity (ytd only) | -2.0069% | 6,251 |
| Net charge-offs to loans | -0.0372% | 6,976 |
| Credit loss provision to net charge-offs | -2,954.5455% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4309% | 3,477 |
| Assets per employee ($millions) | 2.5444% | 6,865 |
| Cash dividends to net income (ytd only)* | 155.3398% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,946 |
| Loan loss allowance to noncurrent loans | 458.1250% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 6,672 |
| Noncurrent loans to loans | 0.2892% | 6,342 |
| Net loans and leases to total assets | 57.9788% | 4,629 |
| Net loans and leases to deposits | 69.8636% | 4,459 |
| Net loans and leases to core deposits | 71.9276% | 4,830 |
| Total domestic deposits to total assets | 82.9886% | 4,761 |
| Equity capital to assets | 12.2112% | 1,957 |
| Core capital (leverage) ratio | 11.6457% | 1,816 |
| Tier 1 risk-based capital ratio | 17.7798% | 2,243 |
| Total risk-based capital ratio | 18.9886% | 2,217 |
| Memoranda: | ||
| Average total assets | $94,784,670 | 5,118 |
| Average earning assets | $91,229,000 | 4,958 |
| Average equity | $11,360,670 | 4,728 |
| Average total loans | $59,214,670 | 4,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 4,495 |
| Cost of funding earning assets | 0.4899% | 7,007 |
| Net interest margin | 4.2163% | 1,847 |
| Noninterest income to average assets | 0.4668% | 4,139 |
| Noninterest expense to average assets | 3.1544% | 3,056 |
| Loan and lease loss provision to assets | 0.9673% | 807 |
| Net operating income to assets | 0.3617% | 5,115 |
| Return on assets (ROA) | 0.3617% | 5,199 |
| Pretax return on assets | 0.3996% | 5,344 |
| Return on Equity (ROE) | 3.0461% | 5,340 |
| Retained earnings to average equity (ytd only) | -5.8089% | 6,581 |
| Net charge-offs to loans | -0.0850% | 7,041 |
| Credit loss provision to net charge-offs | -1,769.2308% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7674% | 4,323 |
| Assets per employee ($millions) | 2.5283% | 6,953 |
| Cash dividends to net income (ytd only)* | 290.6977% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 6,155 |
| Loan loss allowance to noncurrent loans | 376.4706% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 6,704 |
| Noncurrent loans to loans | 0.2845% | 6,418 |
| Net loans and leases to total assets | 63.2018% | 3,602 |
| Net loans and leases to deposits | 76.4508% | 3,347 |
| Net loans and leases to core deposits | 78.9594% | 3,899 |
| Total domestic deposits to total assets | 82.6699% | 5,038 |
| Equity capital to assets | 11.9906% | 1,921 |
| Core capital (leverage) ratio | 11.1895% | 2,038 |
| Tier 1 risk-based capital ratio | 16.3698% | 2,723 |
| Total risk-based capital ratio | 17.3475% | 2,834 |
| Memoranda: | ||
| Average total assets | $95,105,500 | 5,135 |
| Average earning assets | $91,454,500 | 4,988 |
| Average equity | $11,293,000 | 4,722 |
| Average total loans | $61,164,000 | 4,953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 5,066 |
| Cost of funding earning assets | 0.6712% | 6,956 |
| Net interest margin | 4.2218% | 2,092 |
| Noninterest income to average assets | 0.7257% | 2,672 |
| Noninterest expense to average assets | 3.1944% | 3,115 |
| Loan and lease loss provision to assets | 0.0898% | 6,243 |
| Net operating income to assets | 1.4065% | 939 |
| Return on assets (ROA) | 1.4065% | 1,011 |
| Pretax return on assets | 1.4664% | 1,464 |
| Return on Equity (ROE) | 12.2857% | 1,259 |
| Retained earnings to average equity (ytd only) | 3.5663% | 3,366 |
| Net charge-offs to loans | 0.1204% | 5,682 |
| Credit loss provision to net charge-offs | 123.2877% | 3,370 |
| Earnings coverage of net charge-offs (x) | 21.3562% | 970 |
| Efficiency ratio | 67.2410% | 4,716 |
| Assets per employee ($millions) | 2.6125% | 6,835 |
| Cash dividends to net income (ytd only)* | 70.9723% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 7,219 |
| Loan loss allowance to noncurrent loans | 219.3370% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 6,760 |
| Noncurrent loans to loans | 0.2893% | 6,481 |
| Net loans and leases to total assets | 64.3131% | 3,802 |
| Net loans and leases to deposits | 82.7867% | 2,661 |
| Net loans and leases to core deposits | 85.8553% | 3,338 |
| Total domestic deposits to total assets | 77.6854% | 6,372 |
| Equity capital to assets | 11.7615% | 2,069 |
| Core capital (leverage) ratio | 10.5796% | 2,483 |
| Tier 1 risk-based capital ratio | 15.8239% | 2,827 |
| Total risk-based capital ratio | 16.4013% | 3,114 |
| Memoranda: | ||
| Average total assets | $100,175,000 | 4,984 |
| Average earning assets | $95,503,600 | 4,844 |
| Average equity | $11,468,600 | 4,741 |
| Average total loans | $60,643,800 | 5,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 5,011 |
| Cost of funding earning assets | 0.6944% | 7,075 |
| Net interest margin | 4.2621% | 1,981 |
| Noninterest income to average assets | 0.7164% | 2,731 |
| Noninterest expense to average assets | 3.0478% | 3,583 |
| Loan and lease loss provision to assets | 0.1187% | 5,843 |
| Net operating income to assets | 1.5463% | 836 |
| Return on assets (ROA) | 1.5463% | 913 |
| Pretax return on assets | 1.6070% | 1,331 |
| Return on Equity (ROE) | 13.5958% | 1,124 |
| Retained earnings to average equity (ytd only) | 4.8954% | 3,057 |
| Net charge-offs to loans | 0.0931% | 5,597 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 31.1421% | 855 |
| Efficiency ratio | 63.8474% | 5,268 |
| Assets per employee ($millions) | 2.8844% | 6,411 |
| Cash dividends to net income (ytd only)* | 63.9934% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 7,141 |
| Loan loss allowance to noncurrent loans | 253.2544% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,930 |
| Noncurrent loans to loans | 0.2899% | 6,608 |
| Net loans and leases to total assets | 59.0085% | 5,103 |
| Net loans and leases to deposits | 76.4755% | 4,087 |
| Net loans and leases to core deposits | 80.5044% | 4,448 |
| Total domestic deposits to total assets | 77.1600% | 6,447 |
| Equity capital to assets | 11.9752% | 2,173 |
| Core capital (leverage) ratio | 10.9934% | 2,268 |
| Tier 1 risk-based capital ratio | 16.7476% | 2,435 |
| Total risk-based capital ratio | 17.4056% | 2,641 |
| Memoranda: | ||
| Average total assets | $101,053,000 | 5,010 |
| Average earning assets | $96,193,250 | 4,884 |
| Average equity | $11,493,500 | 4,810 |
| Average total loans | $60,163,750 | 5,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 4,912 |
| Cost of funding earning assets | 0.7188% | 7,150 |
| Net interest margin | 4.2883% | 1,829 |
| Noninterest income to average assets | 0.7134% | 2,630 |
| Noninterest expense to average assets | 3.0260% | 3,616 |
| Loan and lease loss provision to assets | 0.1470% | 5,427 |
| Net operating income to assets | 1.5601% | 795 |
| Return on assets (ROA) | 1.5601% | 849 |
| Pretax return on assets | 1.6208% | 1,246 |
| Return on Equity (ROE) | 13.9527% | 1,049 |
| Retained earnings to average equity (ytd only) | 5.1884% | 2,791 |
| Net charge-offs to loans | 0.0526% | 5,646 |
| Credit loss provision to net charge-offs | 468.7500% | 786 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 542 |
| Efficiency ratio | 63.1235% | 5,497 |
| Assets per employee ($millions) | 2.8335% | 6,497 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 7,123 |
| Loan loss allowance to noncurrent loans | 318.1159% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 7,044 |
| Noncurrent loans to loans | 0.2385% | 6,756 |
| Net loans and leases to total assets | 57.8928% | 5,435 |
| Net loans and leases to deposits | 76.1085% | 4,318 |
| Net loans and leases to core deposits | 78.9652% | 4,807 |
| Total domestic deposits to total assets | 76.0661% | 6,679 |
| Equity capital to assets | 11.5656% | 2,387 |
| Core capital (leverage) ratio | 10.8206% | 2,383 |
| Tier 1 risk-based capital ratio | 16.4754% | 2,481 |
| Total risk-based capital ratio | 17.1471% | 2,682 |
| Memoranda: | ||
| Average total assets | $102,047,670 | 5,019 |
| Average earning assets | $97,100,670 | 4,902 |
| Average equity | $11,410,000 | 4,828 |
| Average total loans | $60,786,000 | 5,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 4,649 |
| Cost of funding earning assets | 0.7436% | 7,247 |
| Net interest margin | 4.3318% | 1,588 |
| Noninterest income to average assets | 0.7112% | 2,525 |
| Noninterest expense to average assets | 2.9338% | 3,936 |
| Loan and lease loss provision to assets | 0.1739% | 4,782 |
| Net operating income to assets | 1.6621% | 665 |
| Return on assets (ROA) | 1.6621% | 715 |
| Pretax return on assets | 1.7239% | 1,011 |
| Return on Equity (ROE) | 15.1142% | 854 |
| Retained earnings to average equity (ytd only) | 6.3269% | 2,458 |
| Net charge-offs to loans | 0.1028% | 4,390 |
| Credit loss provision to net charge-offs | 281.2500% | 1,408 |
| Earnings coverage of net charge-offs (x) | 30.6875% | 857 |
| Efficiency ratio | 60.7200% | 6,051 |
| Assets per employee ($millions) | 2.9014% | 6,435 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 7,379 |
| Loan loss allowance to noncurrent loans | 239.1813% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 7,055 |
| Noncurrent loans to loans | 0.2832% | 6,757 |
| Net loans and leases to total assets | 59.0517% | 5,281 |
| Net loans and leases to deposits | 80.3858% | 3,580 |
| Net loans and leases to core deposits | 84.0804% | 4,188 |
| Total domestic deposits to total assets | 73.4604% | 7,111 |
| Equity capital to assets | 11.2309% | 2,548 |
| Core capital (leverage) ratio | 10.2812% | 2,829 |
| Tier 1 risk-based capital ratio | 15.5894% | 2,835 |
| Total risk-based capital ratio | 16.1881% | 3,096 |
| Memoranda: | ||
| Average total assets | $103,485,000 | 5,044 |
| Average earning assets | $98,435,000 | 4,922 |
| Average equity | $11,380,000 | 4,877 |
| Average total loans | $62,252,500 | 5,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 6,253 |
| Cost of funding earning assets | 0.8515% | 7,484 |
| Net interest margin | 4.2011% | 2,053 |
| Noninterest income to average assets | 0.6344% | 3,391 |
| Noninterest expense to average assets | 3.2296% | 3,276 |
| Loan and lease loss provision to assets | 0.1386% | 6,254 |
| Net operating income to assets | 1.2006% | 1,241 |
| Return on assets (ROA) | 1.2006% | 1,292 |
| Pretax return on assets | 1.2461% | 1,835 |
| Return on Equity (ROE) | 10.8694% | 1,462 |
| Retained earnings to average equity (ytd only) | 6.3890% | 1,193 |
| Net charge-offs to loans | 0.0998% | 6,138 |
| Credit loss provision to net charge-offs | 245.6140% | 1,451 |
| Earnings coverage of net charge-offs (x) | 24.5439% | 902 |
| Efficiency ratio | 69.9914% | 4,634 |
| Assets per employee ($millions) | 3.0120% | 6,197 |
| Cash dividends to net income (ytd only)* | 41.2201% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 7,564 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 7,069 |
| Noncurrent loans to loans | 0.2667% | 6,758 |
| Net loans and leases to total assets | 60.4714% | 5,265 |
| Net loans and leases to deposits | 85.9638% | 2,919 |
| Net loans and leases to core deposits | 103.0420% | 3,684 |
| Total domestic deposits to total assets | 70.3453% | 7,391 |
| Equity capital to assets | 10.7712% | 2,899 |
| Core capital (leverage) ratio | 10.2066% | 2,877 |
| Tier 1 risk-based capital ratio | 14.3939% | 3,268 |
| Total risk-based capital ratio | 14.9163% | 3,647 |
| Memoranda: | ||
| Average total assets | $101,033,200 | 5,063 |
| Average earning assets | $95,714,000 | 4,954 |
| Average equity | $11,159,800 | 4,976 |
| Average total loans | $57,085,800 | 5,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 6,338 |
| Cost of funding earning assets | 0.8726% | 7,602 |
| Net interest margin | 4.2078% | 2,027 |
| Noninterest income to average assets | 0.6404% | 3,417 |
| Noninterest expense to average assets | 3.2540% | 3,111 |
| Loan and lease loss provision to assets | 0.1401% | 5,957 |
| Net operating income to assets | 1.1794% | 1,516 |
| Return on assets (ROA) | 1.1794% | 1,569 |
| Pretax return on assets | 1.2221% | 2,192 |
| Return on Equity (ROE) | 10.6079% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.6079% | 1,261 |
| Net charge-offs to loans | 0.1012% | 5,660 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 24.3089% | 1,092 |
| Efficiency ratio | 70.4913% | 4,494 |
| Assets per employee ($millions) | 2.9486% | 6,283 |
| Cash dividends to net income (ytd only)* | 28.2809% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 7,521 |
| Loan loss allowance to noncurrent loans | 244.8980% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 7,189 |
| Noncurrent loans to loans | 0.2578% | 6,868 |
| Net loans and leases to total assets | 54.9041% | 6,281 |
| Net loans and leases to deposits | 77.2043% | 4,862 |
| Net loans and leases to core deposits | 90.9647% | 5,338 |
| Total domestic deposits to total assets | 71.1153% | 7,322 |
| Equity capital to assets | 11.2132% | 2,822 |
| Core capital (leverage) ratio | 10.2618% | 3,008 |
| Tier 1 risk-based capital ratio | 16.0430% | 2,611 |
| Total risk-based capital ratio | 16.5987% | 2,831 |
| Memoranda: | ||
| Average total assets | $99,936,500 | 5,125 |
| Average earning assets | $94,425,250 | 5,026 |
| Average equity | $11,111,000 | 5,044 |
| Average total loans | $55,325,000 | 5,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 6,392 |
| Cost of funding earning assets | 0.8976% | 7,700 |
| Net interest margin | 4.2125% | 1,950 |
| Noninterest income to average assets | 0.6434% | 3,389 |
| Noninterest expense to average assets | 3.2737% | 3,067 |
| Loan and lease loss provision to assets | 0.1012% | 6,160 |
| Net operating income to assets | 1.1877% | 1,510 |
| Return on assets (ROA) | 1.1877% | 1,596 |
| Pretax return on assets | 1.2281% | 2,221 |
| Return on Equity (ROE) | 10.7143% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.9764% | 1,215 |
| Net charge-offs to loans | 0.0621% | 5,626 |
| Credit loss provision to net charge-offs | 294.1176% | 1,588 |
| Earnings coverage of net charge-offs (x) | 38.6471% | 833 |
| Efficiency ratio | 71.1209% | 4,574 |
| Assets per employee ($millions) | 2.8022% | 6,624 |
| Cash dividends to net income (ytd only)* | 25.5537% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 7,658 |
| Loan loss allowance to noncurrent loans | 176.4706% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 7,066 |
| Noncurrent loans to loans | 0.3324% | 6,679 |
| Net loans and leases to total assets | 55.4441% | 6,282 |
| Net loans and leases to deposits | 78.1042% | 4,851 |
| Net loans and leases to core deposits | 91.4355% | 5,404 |
| Total domestic deposits to total assets | 70.9873% | 7,367 |
| Equity capital to assets | 11.0280% | 2,895 |
| Core capital (leverage) ratio | 10.0516% | 3,243 |
| Tier 1 risk-based capital ratio | 15.8131% | 2,688 |
| Total risk-based capital ratio | 16.3249% | 2,922 |
| Memoranda: | ||
| Average total assets | $98,848,670 | 5,191 |
| Average earning assets | $92,913,670 | 5,097 |
| Average equity | $10,957,330 | 5,100 |
| Average total loans | $54,759,670 | 5,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 6,669 |
| Cost of funding earning assets | 0.9349% | 7,767 |
| Net interest margin | 4.1570% | 2,063 |
| Noninterest income to average assets | 0.5520% | 3,903 |
| Noninterest expense to average assets | 3.1073% | 3,347 |
| Loan and lease loss provision to assets | 0.0899% | 5,812 |
| Net operating income to assets | 1.2184% | 1,607 |
| Return on assets (ROA) | 1.2184% | 1,710 |
| Pretax return on assets | 1.2634% | 2,396 |
| Return on Equity (ROE) | 10.9624% | 1,972 |
| Retained earnings to average equity (ytd only) | 9.1231% | 1,435 |
| Net charge-offs to loans | 0.0370% | 4,993 |
| Credit loss provision to net charge-offs | 440.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 66.2000% | 604 |
| Efficiency ratio | 69.6609% | 4,650 |
| Assets per employee ($millions) | 2.9010% | 6,411 |
| Cash dividends to net income (ytd only)* | 16.7785% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5809% | 7,694 |
| Loan loss allowance to noncurrent loans | 165.2632% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 6,955 |
| Noncurrent loans to loans | 0.3515% | 6,552 |
| Net loans and leases to total assets | 54.4827% | 6,414 |
| Net loans and leases to deposits | 76.2136% | 5,191 |
| Net loans and leases to core deposits | 88.5015% | 5,692 |
| Total domestic deposits to total assets | 71.4868% | 7,280 |
| Equity capital to assets | 11.0752% | 2,901 |
| Core capital (leverage) ratio | 9.9976% | 3,416 |
| Tier 1 risk-based capital ratio | 15.8273% | 2,749 |
| Total risk-based capital ratio | 16.3240% | 2,972 |
| Memoranda: | ||
| Average total assets | $97,833,000 | 5,243 |
| Average earning assets | $91,988,500 | 5,146 |
| Average equity | $10,873,500 | 5,145 |
| Average total loans | $54,008,500 | 5,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 7,266 |
| Cost of funding earning assets | 1.6330% | 7,377 |
| Net interest margin | 3.8814% | 3,653 |
| Noninterest income to average assets | 0.4849% | 4,749 |
| Noninterest expense to average assets | 3.1831% | 3,396 |
| Loan and lease loss provision to assets | 0.1105% | 5,958 |
| Net operating income to assets | 0.8131% | 3,381 |
| Return on assets (ROA) | 0.8131% | 3,217 |
| Pretax return on assets | 0.8468% | 3,898 |
| Return on Equity (ROE) | 7.6679% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.6759% | 1,267 |
| Net charge-offs to loans | 0.2426% | 3,836 |
| Credit loss provision to net charge-offs | 88.9831% | 5,700 |
| Earnings coverage of net charge-offs (x) | 7.7119% | 3,042 |
| Efficiency ratio | 76.8801% | 3,099 |
| Assets per employee ($millions) | 2.8539% | 6,438 |
| Cash dividends to net income (ytd only)* | 12.9366% | 4,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 7,768 |
| Loan loss allowance to noncurrent loans | 145.5882% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 6,732 |
| Noncurrent loans to loans | 0.3780% | 6,220 |
| Net loans and leases to total assets | 55.3091% | 6,520 |
| Net loans and leases to deposits | 76.3997% | 5,547 |
| Net loans and leases to core deposits | 88.7410% | 5,915 |
| Total domestic deposits to total assets | 72.3944% | 6,929 |
| Equity capital to assets | 11.1542% | 2,918 |
| Core capital (leverage) ratio | 10.1989% | 3,269 |
| Tier 1 risk-based capital ratio | 15.4680% | 2,855 |
| Total risk-based capital ratio | 15.9388% | 3,127 |
| Memoranda: | ||
| Average total assets | $95,064,200 | 5,196 |
| Average earning assets | $89,530,200 | 5,100 |
| Average equity | $10,081,000 | 5,388 |
| Average total loans | $48,638,800 | 5,751 |