Home > First FarmBank > Performance and Condition Ratios
First FarmBank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5752% | 559 |
| Cost of funding earning assets | 2.3684% | 1,092 |
| Net interest margin | 4.2068% | 959 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.7365% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0794% | 2,060 |
| Return on assets (ROA) | 1.0794% | 2,062 |
| Pretax return on assets | 1.4278% | 1,670 |
| Return on Equity (ROE) | 9.6800% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.6837% | 1,250 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.7135% | 2,283 |
| Assets per employee ($millions) | 6.5322% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,335 |
| Loan loss allowance to noncurrent loans | 3,926.7606% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,595 |
| Noncurrent loans to loans | 0.0250% | 3,584 |
| Net loans and leases to total assets | 77.0100% | 954 |
| Net loans and leases to deposits | 89.9279% | 1,107 |
| Net loans and leases to core deposits | 113.4500% | 746 |
| Total domestic deposits to total assets | 85.6400% | 2,431 |
| Equity capital to assets | 11.1891% | 1,567 |
| Core capital (leverage) ratio | 11.8943% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2886% | 1,424 |
| Memoranda: | ||
| Average total assets | $362,802,000 | 2,204 |
| Average earning assets | $337,267,000 | 2,195 |
| Average equity | $40,439,000 | 2,018 |
| Average total loans | $284,542,500 | 1,944 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6836% | 570 |
| Cost of funding earning assets | 2.5052% | 1,140 |
| Net interest margin | 4.1784% | 955 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.7439% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0214% | 1,983 |
| Return on assets (ROA) | 1.0214% | 1,985 |
| Pretax return on assets | 1.3502% | 1,631 |
| Return on Equity (ROE) | 9.6100% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.3058% | 1,018 |
| Net charge-offs to loans | -0.0004% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.0202% | 2,370 |
| Assets per employee ($millions) | 6.2035% | 2,722 |
| Cash dividends to net income (ytd only)* | 13.5391% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,333 |
| Loan loss allowance to noncurrent loans | 3,062.6374% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,528 |
| Noncurrent loans to loans | 0.0320% | 3,515 |
| Net loans and leases to total assets | 78.3200% | 858 |
| Net loans and leases to deposits | 91.3977% | 1,089 |
| Net loans and leases to core deposits | 113.7520% | 795 |
| Total domestic deposits to total assets | 85.6900% | 2,319 |
| Equity capital to assets | 11.1027% | 1,542 |
| Core capital (leverage) ratio | 11.7880% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8431% | 1,560 |
| Memoranda: | ||
| Average total assets | $361,570,600 | 2,182 |
| Average earning assets | $334,700,400 | 2,191 |
| Average equity | $38,443,200 | 2,035 |
| Average total loans | $282,305,800 | 1,919 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7221% | 526 |
| Cost of funding earning assets | 2.5157% | 1,147 |
| Net interest margin | 4.2064% | 897 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.7232% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0548% | 1,889 |
| Return on assets (ROA) | 1.0548% | 1,898 |
| Pretax return on assets | 1.3948% | 1,527 |
| Return on Equity (ROE) | 10.0300% | 2,191 |
| Retained earnings to average equity (ytd only) | 8.2799% | 1,312 |
| Net charge-offs to loans | -0.0005% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.1300% | 2,471 |
| Assets per employee ($millions) | 6.0802% | 2,802 |
| Cash dividends to net income (ytd only)* | 17.4581% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,293 |
| Loan loss allowance to noncurrent loans | 124.7538% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 1,151 |
| Noncurrent loans to loans | 0.7946% | 1,253 |
| Net loans and leases to total assets | 77.5900% | 910 |
| Net loans and leases to deposits | 93.5037% | 902 |
| Net loans and leases to core deposits | 118.0203% | 670 |
| Total domestic deposits to total assets | 82.9800% | 2,850 |
| Equity capital to assets | 11.0553% | 1,706 |
| Core capital (leverage) ratio | 11.4550% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8005% | 1,597 |
| Memoranda: | ||
| Average total assets | $362,012,500 | 2,167 |
| Average earning assets | $334,848,500 | 2,180 |
| Average equity | $38,067,000 | 2,055 |
| Average total loans | $281,735,500 | 1,915 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6203% | 551 |
| Cost of funding earning assets | 2.4113% | 1,238 |
| Net interest margin | 4.2090% | 886 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.7193% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0526% | 1,843 |
| Return on assets (ROA) | 1.0526% | 1,851 |
| Pretax return on assets | 1.3919% | 1,492 |
| Return on Equity (ROE) | 10.1800% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.8501% | 1,131 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.1442% | 2,530 |
| Assets per employee ($millions) | 6.3034% | 2,561 |
| Cash dividends to net income (ytd only)* | 13.0822% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,442 |
| Loan loss allowance to noncurrent loans | 1,156.0166% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,216 |
| Noncurrent loans to loans | 0.0837% | 3,241 |
| Net loans and leases to total assets | 78.0100% | 902 |
| Net loans and leases to deposits | 96.8759% | 727 |
| Net loans and leases to core deposits | 122.7905% | 559 |
| Total domestic deposits to total assets | 80.5300% | 3,358 |
| Equity capital to assets | 10.4944% | 1,804 |
| Core capital (leverage) ratio | 11.2275% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3470% | 1,760 |
| Memoranda: | ||
| Average total assets | $363,106,000 | 2,154 |
| Average earning assets | $336,088,000 | 2,160 |
| Average equity | $37,536,333 | 2,039 |
| Average total loans | $281,934,333 | 1,903 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4876% | 583 |
| Cost of funding earning assets | 2.2431% | 1,463 |
| Net interest margin | 4.2445% | 807 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.7237% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0767% | 1,727 |
| Return on assets (ROA) | 1.0767% | 1,732 |
| Pretax return on assets | 1.4238% | 1,389 |
| Return on Equity (ROE) | 10.5000% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.4954% | 1,001 |
| Net charge-offs to loans | 0.0014% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1,288.0000% | 65 |
| Efficiency ratio | 65.6716% | 2,626 |
| Assets per employee ($millions) | 5.9832% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,337 |
| Loan loss allowance to noncurrent loans | 514.0221% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,650 |
| Noncurrent loans to loans | 0.1933% | 2,658 |
| Net loans and leases to total assets | 76.0700% | 1,060 |
| Net loans and leases to deposits | 91.9134% | 1,048 |
| Net loans and leases to core deposits | 112.5647% | 853 |
| Total domestic deposits to total assets | 82.7700% | 3,031 |
| Equity capital to assets | 10.2883% | 1,844 |
| Core capital (leverage) ratio | 11.2622% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3741% | 1,746 |
| Memoranda: | ||
| Average total assets | $361,861,000 | 2,167 |
| Average earning assets | $334,174,000 | 2,171 |
| Average equity | $37,121,000 | 2,049 |
| Average total loans | $278,899,000 | 1,916 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0521% | 594 |
| Cost of funding earning assets | 1.5391% | 1,846 |
| Net interest margin | 4.5129% | 606 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.7098% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2655% | 1,505 |
| Return on assets (ROA) | 1.2655% | 1,478 |
| Pretax return on assets | 1.6736% | 1,114 |
| Return on Equity (ROE) | 12.7800% | 1,782 |
| Retained earnings to average equity (ytd only) | 12.7754% | 533 |
| Net charge-offs to loans | -0.0008% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8199% | 2,851 |
| Assets per employee ($millions) | 5.8811% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,284 |
| Loan loss allowance to noncurrent loans | 1,160.8333% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,124 |
| Noncurrent loans to loans | 0.0865% | 3,113 |
| Net loans and leases to total assets | 76.5400% | 1,041 |
| Net loans and leases to deposits | 92.1476% | 1,078 |
| Net loans and leases to core deposits | 109.3188% | 984 |
| Total domestic deposits to total assets | 83.0600% | 2,878 |
| Equity capital to assets | 10.2279% | 1,882 |
| Core capital (leverage) ratio | 11.1956% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1699% | 1,810 |
| Memoranda: | ||
| Average total assets | $346,744,800 | 2,204 |
| Average earning assets | $320,699,400 | 2,202 |
| Average equity | $34,347,200 | 2,082 |
| Average total loans | $265,763,200 | 1,933 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9213% | 586 |
| Cost of funding earning assets | 1.3270% | 2,072 |
| Net interest margin | 4.5942% | 536 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6690% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3614% | 1,396 |
| Return on assets (ROA) | 1.3614% | 1,380 |
| Pretax return on assets | 1.8009% | 1,009 |
| Return on Equity (ROE) | 13.8600% | 1,690 |
| Retained earnings to average equity (ytd only) | 13.8618% | 691 |
| Net charge-offs to loans | -0.0005% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7102% | 2,998 |
| Assets per employee ($millions) | 5.7726% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,225 |
| Loan loss allowance to noncurrent loans | 2,532.7273% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,486 |
| Noncurrent loans to loans | 0.0405% | 3,477 |
| Net loans and leases to total assets | 77.5400% | 939 |
| Net loans and leases to deposits | 94.7155% | 844 |
| Net loans and leases to core deposits | 111.1363% | 831 |
| Total domestic deposits to total assets | 81.8700% | 3,237 |
| Equity capital to assets | 10.1407% | 1,749 |
| Core capital (leverage) ratio | 11.1028% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0975% | 1,857 |
| Memoranda: | ||
| Average total assets | $343,744,750 | 2,224 |
| Average earning assets | $318,595,000 | 2,215 |
| Average equity | $33,761,000 | 2,096 |
| Average total loans | $262,863,750 | 1,947 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7028% | 633 |
| Cost of funding earning assets | 1.0263% | 2,517 |
| Net interest margin | 4.6766% | 476 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.6196% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4548% | 1,201 |
| Return on assets (ROA) | 1.4548% | 1,186 |
| Pretax return on assets | 1.9249% | 830 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 14.9758% | 565 |
| Net charge-offs to loans | -0.0008% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.6434% | 3,235 |
| Assets per employee ($millions) | 6.0324% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,162 |
| Loan loss allowance to noncurrent loans | 2,531.8182% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,463 |
| Noncurrent loans to loans | 0.0417% | 3,428 |
| Net loans and leases to total assets | 75.9600% | 1,056 |
| Net loans and leases to deposits | 93.0551% | 946 |
| Net loans and leases to core deposits | 102.8823% | 1,096 |
| Total domestic deposits to total assets | 81.6300% | 3,308 |
| Equity capital to assets | 10.0208% | 1,851 |
| Core capital (leverage) ratio | 11.0529% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2881% | 1,791 |
| Memoranda: | ||
| Average total assets | $342,873,667 | 2,231 |
| Average earning assets | $318,438,667 | 2,227 |
| Average equity | $33,307,000 | 2,128 |
| Average total loans | $260,035,333 | 1,958 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 664 |
| Cost of funding earning assets | 0.7671% | 2,850 |
| Net interest margin | 4.6816% | 457 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.5854% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4942% | 1,197 |
| Return on assets (ROA) | 1.4942% | 1,178 |
| Pretax return on assets | 1.9767% | 813 |
| Return on Equity (ROE) | 15.6300% | 1,432 |
| Retained earnings to average equity (ytd only) | 15.6297% | 727 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6709% | 3,334 |
| Assets per employee ($millions) | 6.2005% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,126 |
| Loan loss allowance to noncurrent loans | 2,531.8182% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,458 |
| Noncurrent loans to loans | 0.0429% | 3,431 |
| Net loans and leases to total assets | 74.3900% | 1,147 |
| Net loans and leases to deposits | 89.3439% | 1,101 |
| Net loans and leases to core deposits | 95.8963% | 1,289 |
| Total domestic deposits to total assets | 83.2600% | 3,246 |
| Equity capital to assets | 9.8527% | 1,897 |
| Core capital (leverage) ratio | 10.7709% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2016% | 1,908 |
| Memoranda: | ||
| Average total assets | $342,388,500 | 2,266 |
| Average earning assets | $318,096,000 | 2,264 |
| Average equity | $32,732,500 | 2,174 |
| Average total loans | $258,074,000 | 1,986 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 801 |
| Cost of funding earning assets | 0.3266% | 2,668 |
| Net interest margin | 4.1231% | 631 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.5033% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1653% | 1,910 |
| Return on assets (ROA) | 1.1653% | 1,844 |
| Pretax return on assets | 1.5471% | 1,301 |
| Return on Equity (ROE) | 13.1400% | 1,758 |
| Retained earnings to average equity (ytd only) | 13.1439% | 489 |
| Net charge-offs to loans | 0.0004% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5,341.0000% | 24 |
| Efficiency ratio | 61.8036% | 2,790 |
| Assets per employee ($millions) | 6.1384% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,028 |
| Loan loss allowance to noncurrent loans | 2,032.8467% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,399 |
| Noncurrent loans to loans | 0.0528% | 3,379 |
| Net loans and leases to total assets | 74.7300% | 1,148 |
| Net loans and leases to deposits | 85.2718% | 1,371 |
| Net loans and leases to core deposits | 91.1246% | 1,449 |
| Total domestic deposits to total assets | 87.6400% | 2,195 |
| Equity capital to assets | 9.2698% | 2,179 |
| Core capital (leverage) ratio | 10.3246% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4954% | 2,171 |
| Memoranda: | ||
| Average total assets | $345,223,600 | 2,241 |
| Average earning assets | $323,035,400 | 2,225 |
| Average equity | $30,607,400 | 2,309 |
| Average total loans | $243,512,000 | 1,978 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 930 |
| Cost of funding earning assets | 0.2555% | 2,650 |
| Net interest margin | 3.9231% | 761 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.4329% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0926% | 2,133 |
| Return on assets (ROA) | 1.0926% | 2,096 |
| Pretax return on assets | 1.4444% | 1,582 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.4646% | 701 |
| Net charge-offs to loans | -0.0006% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7463% | 2,723 |
| Assets per employee ($millions) | 6.2066% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,004 |
| Loan loss allowance to noncurrent loans | 2,033.5766% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,518 |
| Noncurrent loans to loans | 0.0542% | 3,489 |
| Net loans and leases to total assets | 71.8700% | 1,313 |
| Net loans and leases to deposits | 82.3697% | 1,417 |
| Net loans and leases to core deposits | 87.1697% | 1,457 |
| Total domestic deposits to total assets | 87.2500% | 2,680 |
| Equity capital to assets | 8.8247% | 2,333 |
| Core capital (leverage) ratio | 9.8270% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4034% | 2,309 |
| Memoranda: | ||
| Average total assets | $345,591,500 | 2,258 |
| Average earning assets | $324,088,750 | 2,235 |
| Average equity | $30,293,000 | 2,356 |
| Average total loans | $239,470,250 | 1,999 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 1,098 |
| Cost of funding earning assets | 0.2377% | 2,420 |
| Net interest margin | 3.6725% | 959 |
| Noninterest income to average assets | 0.1873% | 4,069 |
| Noninterest expense to average assets | 2.4115% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9271% | 2,458 |
| Return on assets (ROA) | 0.9271% | 2,435 |
| Pretax return on assets | 1.2252% | 1,983 |
| Return on Equity (ROE) | 10.6011% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.6011% | 874 |
| Net charge-offs to loans | -0.0009% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3106% | 2,469 |
| Assets per employee ($millions) | 6.2042% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,967 |
| Loan loss allowance to noncurrent loans | 425.9939% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,407 |
| Noncurrent loans to loans | 0.2681% | 2,405 |
| Net loans and leases to total assets | 69.4067% | 1,358 |
| Net loans and leases to deposits | 76.3532% | 1,661 |
| Net loans and leases to core deposits | 80.9537% | 1,659 |
| Total domestic deposits to total assets | 90.9022% | 1,276 |
| Equity capital to assets | 8.6485% | 2,654 |
| Core capital (leverage) ratio | 9.0971% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4838% | 2,296 |
| Memoranda: | ||
| Average total assets | $344,932,333 | 2,265 |
| Average earning assets | $323,971,667 | 2,258 |
| Average equity | $30,166,667 | 2,411 |
| Average total loans | $235,101,333 | 2,024 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 1,315 |
| Cost of funding earning assets | 0.2325% | 2,358 |
| Net interest margin | 3.4485% | 1,190 |
| Noninterest income to average assets | 0.2002% | 3,962 |
| Noninterest expense to average assets | 2.3987% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7926% | 2,684 |
| Return on assets (ROA) | 0.7926% | 2,682 |
| Pretax return on assets | 1.0475% | 2,301 |
| Return on Equity (ROE) | 9.0121% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.0121% | 1,270 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6049% | 2,288 |
| Assets per employee ($millions) | 6.3395% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,826 |
| Loan loss allowance to noncurrent loans | 2,003.5971% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,634 |
| Noncurrent loans to loans | 0.0602% | 3,556 |
| Net loans and leases to total assets | 65.4013% | 1,472 |
| Net loans and leases to deposits | 72.6374% | 1,735 |
| Net loans and leases to core deposits | 77.4717% | 1,658 |
| Total domestic deposits to total assets | 90.0380% | 1,540 |
| Equity capital to assets | 8.6181% | 3,057 |
| Core capital (leverage) ratio | 8.9711% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8986% | 2,257 |
| Memoranda: | ||
| Average total assets | $343,680,500 | 2,282 |
| Average earning assets | $323,504,000 | 2,273 |
| Average equity | $30,226,000 | 2,475 |
| Average total loans | $230,687,000 | 2,039 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 899 |
| Cost of funding earning assets | 0.3485% | 1,945 |
| Net interest margin | 3.9160% | 826 |
| Noninterest income to average assets | 0.1970% | 4,177 |
| Noninterest expense to average assets | 2.5238% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0043% | 2,653 |
| Return on assets (ROA) | 1.0043% | 2,722 |
| Pretax return on assets | 1.3419% | 2,234 |
| Return on Equity (ROE) | 10.8433% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.9145% | 1,227 |
| Net charge-offs to loans | -0.0004% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2877% | 2,362 |
| Assets per employee ($millions) | 6.2720% | 2,508 |
| Cash dividends to net income (ytd only)* | 17.7883% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,850 |
| Loan loss allowance to noncurrent loans | 1,708.5890% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,654 |
| Noncurrent loans to loans | 0.0707% | 3,585 |
| Net loans and leases to total assets | 67.2499% | 1,340 |
| Net loans and leases to deposits | 74.9820% | 1,642 |
| Net loans and leases to core deposits | 80.0955% | 1,585 |
| Total domestic deposits to total assets | 89.6881% | 1,119 |
| Equity capital to assets | 8.9768% | 3,644 |
| Core capital (leverage) ratio | 9.3984% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6454% | 2,387 |
| Memoranda: | ||
| Average total assets | $315,157,200 | 2,364 |
| Average earning assets | $295,250,200 | 2,352 |
| Average equity | $29,188,400 | 2,585 |
| Average total loans | $223,341,800 | 2,085 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 818 |
| Cost of funding earning assets | 0.3769% | 1,876 |
| Net interest margin | 4.0172% | 772 |
| Noninterest income to average assets | 0.1992% | 4,203 |
| Noninterest expense to average assets | 2.5599% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0523% | 2,721 |
| Return on assets (ROA) | 1.0523% | 2,788 |
| Pretax return on assets | 1.3981% | 2,340 |
| Return on Equity (ROE) | 11.2675% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.6687% | 1,815 |
| Net charge-offs to loans | -0.0006% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6771% | 2,287 |
| Assets per employee ($millions) | 5.6312% | 3,060 |
| Cash dividends to net income (ytd only)* | 23.0643% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,849 |
| Loan loss allowance to noncurrent loans | 1,856.6667% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,835 |
| Noncurrent loans to loans | 0.0661% | 3,766 |
| Net loans and leases to total assets | 71.0286% | 985 |
| Net loans and leases to deposits | 79.7668% | 1,312 |
| Net loans and leases to core deposits | 85.9917% | 1,297 |
| Total domestic deposits to total assets | 89.0454% | 1,253 |
| Equity capital to assets | 9.4633% | 3,411 |
| Core capital (leverage) ratio | 9.4449% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8244% | 2,419 |
| Memoranda: | ||
| Average total assets | $309,275,000 | 2,416 |
| Average earning assets | $289,383,500 | 2,406 |
| Average equity | $28,884,750 | 2,631 |
| Average total loans | $221,539,500 | 2,126 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 965 |
| Cost of funding earning assets | 0.4053% | 1,842 |
| Net interest margin | 3.9179% | 943 |
| Noninterest income to average assets | 0.1966% | 4,216 |
| Noninterest expense to average assets | 2.5250% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0096% | 2,858 |
| Return on assets (ROA) | 1.0096% | 2,943 |
| Pretax return on assets | 1.3403% | 2,519 |
| Return on Equity (ROE) | 10.8592% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,994 |
| Net charge-offs to loans | -0.0009% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3250% | 2,249 |
| Assets per employee ($millions) | 5.6902% | 2,909 |
| Cash dividends to net income (ytd only)* | 24.1779% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,713 |
| Loan loss allowance to noncurrent loans | 339.2205% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,620 |
| Noncurrent loans to loans | 0.3663% | 2,592 |
| Net loans and leases to total assets | 70.7178% | 1,125 |
| Net loans and leases to deposits | 79.2105% | 1,497 |
| Net loans and leases to core deposits | 85.2292% | 1,473 |
| Total domestic deposits to total assets | 89.2782% | 1,153 |
| Equity capital to assets | 9.2941% | 3,512 |
| Core capital (leverage) ratio | 9.1716% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1678% | 2,300 |
| Memoranda: | ||
| Average total assets | $307,251,333 | 2,414 |
| Average earning assets | $287,706,667 | 2,412 |
| Average equity | $28,565,667 | 2,638 |
| Average total loans | $219,795,667 | 2,146 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 1,083 |
| Cost of funding earning assets | 0.4498% | 1,723 |
| Net interest margin | 3.8237% | 1,094 |
| Noninterest income to average assets | 0.1997% | 4,189 |
| Noninterest expense to average assets | 2.5309% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9369% | 3,021 |
| Return on assets (ROA) | 0.9369% | 3,098 |
| Pretax return on assets | 1.2431% | 2,725 |
| Return on Equity (ROE) | 10.0760% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.4192% | 2,446 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0613% | 2,065 |
| Assets per employee ($millions) | 5.6789% | 2,938 |
| Cash dividends to net income (ytd only)* | 26.3675% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,617 |
| Loan loss allowance to noncurrent loans | 2,245.1613% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,090 |
| Noncurrent loans to loans | 0.0561% | 4,005 |
| Net loans and leases to total assets | 69.8362% | 1,314 |
| Net loans and leases to deposits | 78.9701% | 1,618 |
| Net loans and leases to core deposits | 84.8263% | 1,604 |
| Total domestic deposits to total assets | 88.4337% | 1,641 |
| Equity capital to assets | 9.1078% | 3,583 |
| Core capital (leverage) ratio | 9.2636% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2277% | 2,198 |
| Memoranda: | ||
| Average total assets | $304,396,500 | 2,422 |
| Average earning assets | $284,541,500 | 2,418 |
| Average equity | $28,305,000 | 2,647 |
| Average total loans | $217,641,500 | 2,158 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 957 |
| Cost of funding earning assets | 0.7739% | 1,327 |
| Net interest margin | 3.8904% | 1,243 |
| Noninterest income to average assets | 0.2222% | 4,166 |
| Noninterest expense to average assets | 2.7129% | 2,207 |
| Loan and lease loss provision to assets | 0.1682% | 2,285 |
| Net operating income to assets | 0.7457% | 3,276 |
| Return on assets (ROA) | 0.8048% | 3,191 |
| Pretax return on assets | 1.0389% | 2,915 |
| Return on Equity (ROE) | 9.1909% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.1476% | 1,341 |
| Net charge-offs to loans | 0.0414% | 2,233 |
| Credit loss provision to net charge-offs | 559.5238% | 1,165 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,435 |
| Efficiency ratio | 70.5537% | 1,875 |
| Assets per employee ($millions) | 5.4899% | 2,853 |
| Cash dividends to net income (ytd only)* | 22.2321% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.3734% | 1,382 |
| Net loans and leases to deposits | 81.1872% | 1,743 |
| Net loans and leases to core deposits | 88.5963% | 1,635 |
| Total domestic deposits to total assets | 87.9122% | 1,523 |
| Equity capital to assets | 9.4999% | 3,612 |
| Core capital (leverage) ratio | 9.6422% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0627% | 2,212 |
| Memoranda: | ||
| Average total assets | $279,438,600 | 2,401 |
| Average earning assets | $260,231,600 | 2,401 |
| Average equity | $24,469,800 | 2,846 |
| Average total loans | $202,765,400 | 2,212 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 939 |
| Cost of funding earning assets | 0.8411% | 1,305 |
| Net interest margin | 3.9222% | 1,298 |
| Noninterest income to average assets | 0.2248% | 4,145 |
| Noninterest expense to average assets | 2.7225% | 2,192 |
| Loan and lease loss provision to assets | 0.2278% | 1,782 |
| Net operating income to assets | 0.6991% | 3,461 |
| Return on assets (ROA) | 0.7680% | 3,333 |
| Pretax return on assets | 1.0175% | 3,006 |
| Return on Equity (ROE) | 8.9749% | 2,405 |
| Retained earnings to average equity (ytd only) | 6.8515% | 1,758 |
| Net charge-offs to loans | 0.0567% | 1,798 |
| Credit loss provision to net charge-offs | 552.9412% | 1,215 |
| Earnings coverage of net charge-offs (x) | 28.1176% | 1,640 |
| Efficiency ratio | 70.1586% | 1,861 |
| Assets per employee ($millions) | 5.5552% | 2,659 |
| Cash dividends to net income (ytd only)* | 23.6593% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,442 |
| Loan loss allowance to noncurrent loans | 734.3008% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,781 |
| Noncurrent loans to loans | 0.1689% | 3,704 |
| Net loans and leases to total assets | 75.2768% | 1,194 |
| Net loans and leases to deposits | 85.4102% | 1,766 |
| Net loans and leases to core deposits | 93.3232% | 1,687 |
| Total domestic deposits to total assets | 88.1356% | 1,158 |
| Equity capital to assets | 8.2234% | 4,623 |
| Core capital (leverage) ratio | 8.2782% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1171% | 2,891 |
| Memoranda: | ||
| Average total assets | $275,184,500 | 2,402 |
| Average earning assets | $256,484,500 | 2,402 |
| Average equity | $23,546,500 | 2,898 |
| Average total loans | $199,863,250 | 2,236 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 934 |
| Cost of funding earning assets | 0.9472% | 1,161 |
| Net interest margin | 3.9759% | 1,389 |
| Noninterest income to average assets | 0.2247% | 4,142 |
| Noninterest expense to average assets | 2.7258% | 2,304 |
| Loan and lease loss provision to assets | 0.2232% | 1,873 |
| Net operating income to assets | 0.7360% | 3,255 |
| Return on assets (ROA) | 0.7977% | 3,167 |
| Pretax return on assets | 1.0522% | 2,866 |
| Return on Equity (ROE) | 9.1920% | 2,281 |
| Retained earnings to average equity (ytd only) | 7.0483% | 1,642 |
| Net charge-offs to loans | 0.0678% | 1,566 |
| Credit loss provision to net charge-offs | 461.5385% | 1,289 |
| Earnings coverage of net charge-offs (x) | 24.7538% | 1,571 |
| Efficiency ratio | 69.4803% | 2,022 |
| Assets per employee ($millions) | 5.2083% | 2,924 |
| Cash dividends to net income (ytd only)* | 23.3209% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 2,678 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.7347% | 1,588 |
| Net loans and leases to deposits | 82.7369% | 2,117 |
| Net loans and leases to core deposits | 90.6072% | 2,022 |
| Total domestic deposits to total assets | 87.9109% | 1,228 |
| Equity capital to assets | 8.3577% | 4,561 |
| Core capital (leverage) ratio | 8.3817% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3650% | 2,866 |
| Memoranda: | ||
| Average total assets | $268,770,000 | 2,418 |
| Average earning assets | $250,004,000 | 2,424 |
| Average equity | $23,324,667 | 2,905 |
| Average total loans | $191,678,000 | 2,290 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 923 |
| Cost of funding earning assets | 1.1405% | 929 |
| Net interest margin | 3.8812% | 1,732 |
| Noninterest income to average assets | 0.2385% | 4,129 |
| Noninterest expense to average assets | 2.7992% | 2,431 |
| Loan and lease loss provision to assets | 0.0385% | 3,291 |
| Net operating income to assets | 0.7525% | 3,086 |
| Return on assets (ROA) | 0.7525% | 3,163 |
| Pretax return on assets | 0.9987% | 2,842 |
| Return on Equity (ROE) | 8.4983% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.3259% | 1,765 |
| Net charge-offs to loans | 0.1428% | 883 |
| Credit loss provision to net charge-offs | 38.4615% | 2,105 |
| Earnings coverage of net charge-offs (x) | 10.3692% | 1,770 |
| Efficiency ratio | 72.9643% | 1,944 |
| Assets per employee ($millions) | 4.8653% | 2,795 |
| Cash dividends to net income (ytd only)* | 25.5624% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,123 |
| Loan loss allowance to noncurrent loans | 1,101.8692% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 2,436 |
| Noncurrent loans to loans | 0.1184% | 4,048 |
| Net loans and leases to total assets | 67.8797% | 2,564 |
| Net loans and leases to deposits | 78.0655% | 2,880 |
| Net loans and leases to core deposits | 85.8460% | 2,695 |
| Total domestic deposits to total assets | 86.9523% | 1,578 |
| Equity capital to assets | 8.9187% | 4,646 |
| Core capital (leverage) ratio | 8.7890% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8739% | 2,763 |
| Memoranda: | ||
| Average total assets | $259,927,000 | 2,433 |
| Average earning assets | $240,954,500 | 2,439 |
| Average equity | $23,016,500 | 2,923 |
| Average total loans | $182,024,000 | 2,339 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 741 |
| Cost of funding earning assets | 1.2827% | 806 |
| Net interest margin | 4.0709% | 1,617 |
| Noninterest income to average assets | 0.2157% | 4,374 |
| Noninterest expense to average assets | 2.7685% | 2,696 |
| Loan and lease loss provision to assets | 0.0100% | 3,805 |
| Net operating income to assets | 0.9717% | 2,945 |
| Return on assets (ROA) | 0.9568% | 3,077 |
| Pretax return on assets | 1.1869% | 2,883 |
| Return on Equity (ROE) | 11.2058% | 1,808 |
| Retained earnings to average equity (ytd only) | 8.8664% | 745 |
| Net charge-offs to loans | -0.0078% | 4,408 |
| Credit loss provision to net charge-offs | -178.5714% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4946% | 2,247 |
| Assets per employee ($millions) | 4.9447% | 2,662 |
| Cash dividends to net income (ytd only)* | 20.8768% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,886 |
| Loan loss allowance to noncurrent loans | 191.0757% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 2,459 |
| Noncurrent loans to loans | 0.6845% | 2,175 |
| Net loans and leases to total assets | 70.3752% | 2,336 |
| Net loans and leases to deposits | 80.7992% | 2,685 |
| Net loans and leases to core deposits | 89.1513% | 2,499 |
| Total domestic deposits to total assets | 87.0989% | 1,556 |
| Equity capital to assets | 8.7899% | 4,791 |
| Core capital (leverage) ratio | 9.0147% | 4,522 |
| Tier 1 risk-based capital ratio | 11.3966% | 4,684 |
| Total risk-based capital ratio | 12.6230% | 4,573 |
| Memoranda: | ||
| Average total assets | $250,314,400 | 2,462 |
| Average earning assets | $231,694,400 | 2,460 |
| Average equity | $21,372,800 | 3,012 |
| Average total loans | $180,050,400 | 2,317 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 715 |
| Cost of funding earning assets | 1.2984% | 793 |
| Net interest margin | 4.0907% | 1,640 |
| Noninterest income to average assets | 0.2210% | 4,407 |
| Noninterest expense to average assets | 2.7517% | 2,709 |
| Loan and lease loss provision to assets | 0.0134% | 3,633 |
| Net operating income to assets | 0.9805% | 3,048 |
| Return on assets (ROA) | 0.9610% | 3,200 |
| Pretax return on assets | 1.2212% | 2,912 |
| Return on Equity (ROE) | 11.3420% | 1,872 |
| Retained earnings to average equity (ytd only) | 8.9685% | 1,055 |
| Net charge-offs to loans | -0.0074% | 4,305 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6054% | 2,323 |
| Assets per employee ($millions) | 4.9616% | 2,599 |
| Cash dividends to net income (ytd only)* | 20.9265% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,015 |
| Loan loss allowance to noncurrent loans | 127.0027% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 1,847 |
| Noncurrent loans to loans | 1.0152% | 1,576 |
| Net loans and leases to total assets | 72.4327% | 2,101 |
| Net loans and leases to deposits | 82.4547% | 2,626 |
| Net loans and leases to core deposits | 91.4870% | 2,418 |
| Total domestic deposits to total assets | 87.8455% | 1,105 |
| Equity capital to assets | 8.7448% | 4,901 |
| Core capital (leverage) ratio | 8.7934% | 4,778 |
| Tier 1 risk-based capital ratio | 11.0164% | 4,901 |
| Total risk-based capital ratio | 12.2256% | 4,805 |
| Memoranda: | ||
| Average total assets | $248,611,500 | 2,489 |
| Average earning assets | $230,336,000 | 2,491 |
| Average equity | $21,065,750 | 3,057 |
| Average total loans | $179,225,250 | 2,351 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 669 |
| Cost of funding earning assets | 1.2758% | 798 |
| Net interest margin | 4.1322% | 1,517 |
| Noninterest income to average assets | 0.2056% | 4,517 |
| Noninterest expense to average assets | 2.7248% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0503% | 2,722 |
| Return on assets (ROA) | 1.0205% | 2,926 |
| Pretax return on assets | 1.2730% | 2,663 |
| Return on Equity (ROE) | 12.1767% | 1,512 |
| Retained earnings to average equity (ytd only) | 9.7626% | 825 |
| Net charge-offs to loans | -0.0621% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5291% | 2,607 |
| Assets per employee ($millions) | 4.8323% | 2,697 |
| Cash dividends to net income (ytd only)* | 19.8255% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,913 |
| Loan loss allowance to noncurrent loans | 119.2099% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 1,745 |
| Noncurrent loans to loans | 1.1098% | 1,471 |
| Net loans and leases to total assets | 71.6513% | 2,257 |
| Net loans and leases to deposits | 80.6931% | 2,885 |
| Net loans and leases to core deposits | 90.0139% | 2,601 |
| Total domestic deposits to total assets | 88.7949% | 745 |
| Equity capital to assets | 8.6195% | 4,998 |
| Core capital (leverage) ratio | 8.6815% | 4,861 |
| Tier 1 risk-based capital ratio | 10.9971% | 4,905 |
| Total risk-based capital ratio | 12.2370% | 4,832 |
| Memoranda: | ||
| Average total assets | $247,134,330 | 2,511 |
| Average earning assets | $229,028,330 | 2,507 |
| Average equity | $20,711,670 | 3,084 |
| Average total loans | $177,073,670 | 2,375 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 763 |
| Cost of funding earning assets | 1.2481% | 773 |
| Net interest margin | 4.0491% | 1,690 |
| Noninterest income to average assets | 0.2204% | 4,432 |
| Noninterest expense to average assets | 2.6687% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1003% | 2,464 |
| Return on assets (ROA) | 1.0365% | 2,756 |
| Pretax return on assets | 1.2258% | 2,714 |
| Return on Equity (ROE) | 12.5506% | 1,368 |
| Retained earnings to average equity (ytd only) | 10.0800% | 1,020 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2286% | 2,754 |
| Assets per employee ($millions) | 4.8889% | 2,659 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,948 |
| Loan loss allowance to noncurrent loans | 81.3448% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,130 |
| Noncurrent loans to loans | 1.6371% | 963 |
| Net loans and leases to total assets | 71.5006% | 2,249 |
| Net loans and leases to deposits | 79.3752% | 2,908 |
| Net loans and leases to core deposits | 87.9605% | 2,687 |
| Total domestic deposits to total assets | 90.0792% | 420 |
| Equity capital to assets | 8.4681% | 5,005 |
| Core capital (leverage) ratio | 8.6800% | 4,888 |
| Tier 1 risk-based capital ratio | 11.0548% | 4,950 |
| Total risk-based capital ratio | 12.3018% | 4,855 |
| Memoranda: | ||
| Average total assets | $245,062,500 | 2,553 |
| Average earning assets | $226,912,000 | 2,539 |
| Average equity | $20,238,000 | 3,137 |
| Average total loans | $174,381,500 | 2,428 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,060 |
| Cost of funding earning assets | 1.0020% | 741 |
| Net interest margin | 3.9903% | 2,014 |
| Noninterest income to average assets | 0.2021% | 4,701 |
| Noninterest expense to average assets | 2.6749% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9457% | 3,255 |
| Return on assets (ROA) | 0.9457% | 3,248 |
| Pretax return on assets | 1.2461% | 2,713 |
| Return on Equity (ROE) | 11.9918% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.9918% | 323 |
| Net charge-offs to loans | -0.0006% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2200% | 2,500 |
| Assets per employee ($millions) | 5.0138% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,738 |
| Loan loss allowance to noncurrent loans | 100.6829% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 1,434 |
| Noncurrent loans to loans | 1.3652% | 1,143 |
| Net loans and leases to total assets | 68.8967% | 2,747 |
| Net loans and leases to deposits | 76.1237% | 3,342 |
| Net loans and leases to core deposits | 84.0379% | 3,089 |
| Total domestic deposits to total assets | 90.5063% | 319 |
| Equity capital to assets | 8.0496% | 5,144 |
| Core capital (leverage) ratio | 8.5677% | 4,978 |
| Tier 1 risk-based capital ratio | 11.0344% | 4,967 |
| Total risk-based capital ratio | 12.2848% | 4,855 |
| Memoranda: | ||
| Average total assets | $236,977,400 | 2,563 |
| Average earning assets | $220,860,800 | 2,556 |
| Average equity | $18,687,800 | 3,219 |
| Average total loans | $167,469,400 | 2,462 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 1,081 |
| Cost of funding earning assets | 0.9509% | 748 |
| Net interest margin | 3.9849% | 1,997 |
| Noninterest income to average assets | 0.2056% | 4,735 |
| Noninterest expense to average assets | 2.6564% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9648% | 3,240 |
| Return on assets (ROA) | 0.9648% | 3,255 |
| Pretax return on assets | 1.2708% | 2,721 |
| Return on Equity (ROE) | 12.3008% | 1,680 |
| Retained earnings to average equity (ytd only) | 12.3008% | 441 |
| Net charge-offs to loans | -0.0016% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6403% | 2,605 |
| Assets per employee ($millions) | 5.2999% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,861 |
| Loan loss allowance to noncurrent loans | 103.1469% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 1,562 |
| Noncurrent loans to loans | 1.3139% | 1,271 |
| Net loans and leases to total assets | 70.4610% | 2,573 |
| Net loans and leases to deposits | 80.5799% | 2,973 |
| Net loans and leases to core deposits | 88.9794% | 2,746 |
| Total domestic deposits to total assets | 87.4424% | 1,522 |
| Equity capital to assets | 7.7877% | 5,242 |
| Core capital (leverage) ratio | 8.4196% | 5,134 |
| Tier 1 risk-based capital ratio | 10.7091% | 5,167 |
| Total risk-based capital ratio | 11.9596% | 5,073 |
| Memoranda: | ||
| Average total assets | $234,802,250 | 2,587 |
| Average earning assets | $219,287,000 | 2,582 |
| Average equity | $18,415,750 | 3,265 |
| Average total loans | $166,431,000 | 2,487 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 1,156 |
| Cost of funding earning assets | 0.8932% | 756 |
| Net interest margin | 3.9433% | 2,055 |
| Noninterest income to average assets | 0.1898% | 4,876 |
| Noninterest expense to average assets | 2.6402% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9422% | 3,264 |
| Return on assets (ROA) | 0.9422% | 3,274 |
| Pretax return on assets | 1.2407% | 2,769 |
| Return on Equity (ROE) | 11.9831% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.9831% | 520 |
| Net charge-offs to loans | -0.0024% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0302% | 2,640 |
| Assets per employee ($millions) | 5.0961% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,708 |
| Loan loss allowance to noncurrent loans | 108.0586% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 1,653 |
| Noncurrent loans to loans | 1.3078% | 1,305 |
| Net loans and leases to total assets | 68.7362% | 2,761 |
| Net loans and leases to deposits | 76.0604% | 3,321 |
| Net loans and leases to core deposits | 83.8362% | 3,094 |
| Total domestic deposits to total assets | 90.3706% | 445 |
| Equity capital to assets | 7.7535% | 5,306 |
| Core capital (leverage) ratio | 8.2907% | 5,218 |
| Tier 1 risk-based capital ratio | 10.7295% | 5,181 |
| Total risk-based capital ratio | 11.9799% | 5,077 |
| Memoranda: | ||
| Average total assets | $231,804,330 | 2,621 |
| Average earning assets | $216,978,000 | 2,611 |
| Average equity | $18,225,670 | 3,309 |
| Average total loans | $163,861,000 | 2,519 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 1,030 |
| Cost of funding earning assets | 0.8338% | 821 |
| Net interest margin | 3.9869% | 1,767 |
| Noninterest income to average assets | 0.2000% | 4,826 |
| Noninterest expense to average assets | 2.6585% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9616% | 3,028 |
| Return on assets (ROA) | 0.9616% | 3,044 |
| Pretax return on assets | 1.2670% | 2,487 |
| Return on Equity (ROE) | 12.1420% | 1,530 |
| Retained earnings to average equity (ytd only) | 12.1420% | 658 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7246% | 2,877 |
| Assets per employee ($millions) | 5.2826% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,496 |
| Loan loss allowance to noncurrent loans | 182.9325% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,671 |
| Noncurrent loans to loans | 0.8142% | 2,183 |
| Net loans and leases to total assets | 67.0943% | 2,878 |
| Net loans and leases to deposits | 74.7087% | 3,342 |
| Net loans and leases to core deposits | 82.3859% | 3,112 |
| Total domestic deposits to total assets | 89.8079% | 738 |
| Equity capital to assets | 7.8091% | 5,325 |
| Core capital (leverage) ratio | 8.3253% | 5,245 |
| Tier 1 risk-based capital ratio | 10.9952% | 5,133 |
| Total risk-based capital ratio | 12.2466% | 5,037 |
| Memoranda: | ||
| Average total assets | $227,948,000 | 2,676 |
| Average earning assets | $212,997,000 | 2,660 |
| Average equity | $18,053,000 | 3,348 |
| Average total loans | $162,294,000 | 2,546 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 888 |
| Cost of funding earning assets | 0.7792% | 698 |
| Net interest margin | 4.0725% | 1,526 |
| Noninterest income to average assets | 0.2450% | 4,666 |
| Noninterest expense to average assets | 2.8952% | 2,474 |
| Loan and lease loss provision to assets | 0.6553% | 188 |
| Net operating income to assets | 0.1747% | 5,156 |
| Return on assets (ROA) | 0.1775% | 5,165 |
| Pretax return on assets | 0.5023% | 4,928 |
| Return on Equity (ROE) | 2.1359% | 5,030 |
| Retained earnings to average equity (ytd only) | 0.9591% | 4,636 |
| Net charge-offs to loans | 0.3122% | 813 |
| Credit loss provision to net charge-offs | 279.7495% | 1,005 |
| Earnings coverage of net charge-offs (x) | 4.9228% | 3,398 |
| Efficiency ratio | 71.5149% | 2,302 |
| Assets per employee ($millions) | 4.9658% | 2,521 |
| Cash dividends to net income (ytd only)* | 55.0964% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,695 |
| Loan loss allowance to noncurrent loans | 159.4320% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 2,334 |
| Noncurrent loans to loans | 0.8895% | 2,002 |
| Net loans and leases to total assets | 73.3556% | 2,035 |
| Net loans and leases to deposits | 81.9651% | 2,719 |
| Net loans and leases to core deposits | 91.1392% | 2,446 |
| Total domestic deposits to total assets | 89.4962% | 780 |
| Equity capital to assets | 8.0349% | 5,381 |
| Core capital (leverage) ratio | 8.2601% | 5,315 |
| Tier 1 risk-based capital ratio | 10.4521% | 5,385 |
| Total risk-based capital ratio | 11.7026% | 5,299 |
| Memoranda: | ||
| Average total assets | $204,479,800 | 2,879 |
| Average earning assets | $190,961,600 | 2,852 |
| Average equity | $16,995,400 | 3,484 |
| Average total loans | $153,404,200 | 2,615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 898 |
| Cost of funding earning assets | 0.7676% | 693 |
| Net interest margin | 4.0492% | 1,547 |
| Noninterest income to average assets | 0.2470% | 4,726 |
| Noninterest expense to average assets | 2.9011% | 2,409 |
| Loan and lease loss provision to assets | 0.8945% | 120 |
| Net operating income to assets | 0.1868% | 5,367 |
| Return on assets (ROA) | 0.1916% | 5,375 |
| Pretax return on assets | 0.2430% | 5,348 |
| Return on Equity (ROE) | 2.2838% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.2838% | 4,499 |
| Net charge-offs to loans | 0.3595% | 586 |
| Credit loss provision to net charge-offs | 330.8642% | 908 |
| Earnings coverage of net charge-offs (x) | 4.1852% | 3,256 |
| Efficiency ratio | 71.9417% | 2,214 |
| Assets per employee ($millions) | 4.8877% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,725 |
| Loan loss allowance to noncurrent loans | 214.7396% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,999 |
| Noncurrent loans to loans | 0.6721% | 2,691 |
| Net loans and leases to total assets | 75.5374% | 1,677 |
| Net loans and leases to deposits | 85.3271% | 2,389 |
| Net loans and leases to core deposits | 93.5643% | 2,304 |
| Total domestic deposits to total assets | 88.5268% | 1,106 |
| Equity capital to assets | 8.3206% | 5,384 |
| Core capital (leverage) ratio | 8.5474% | 5,212 |
| Tier 1 risk-based capital ratio | 10.4348% | 5,474 |
| Total risk-based capital ratio | 11.6863% | 5,411 |
| Memoranda: | ||
| Average total assets | $199,734,250 | 2,953 |
| Average earning assets | $186,733,000 | 2,922 |
| Average equity | $16,755,500 | 3,541 |
| Average total loans | $150,185,250 | 2,672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 915 |
| Cost of funding earning assets | 0.7335% | 752 |
| Net interest margin | 4.0382% | 1,491 |
| Noninterest income to average assets | 0.2415% | 4,795 |
| Noninterest expense to average assets | 2.9514% | 2,264 |
| Loan and lease loss provision to assets | 1.3316% | 75 |
| Net operating income to assets | -0.2525% | 5,635 |
| Return on assets (ROA) | -0.2477% | 5,633 |
| Pretax return on assets | -0.2653% | 5,627 |
| Return on Equity (ROE) | -2.9433% | 5,650 |
| Retained earnings to average equity (ytd only) | -2.9433% | 5,430 |
| Net charge-offs to loans | 0.6872% | 282 |
| Credit loss provision to net charge-offs | 259.5960% | 1,054 |
| Earnings coverage of net charge-offs (x) | 2.0687% | 3,211 |
| Efficiency ratio | 73.5537% | 2,087 |
| Assets per employee ($millions) | 4.8036% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,770 |
| Loan loss allowance to noncurrent loans | 201.9417% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,982 |
| Noncurrent loans to loans | 0.7151% | 2,603 |
| Net loans and leases to total assets | 73.8811% | 1,895 |
| Net loans and leases to deposits | 86.8841% | 2,119 |
| Net loans and leases to core deposits | 96.3474% | 1,955 |
| Total domestic deposits to total assets | 85.0341% | 2,791 |
| Equity capital to assets | 8.1908% | 5,450 |
| Core capital (leverage) ratio | 8.6517% | 5,088 |
| Tier 1 risk-based capital ratio | 10.3407% | 5,524 |
| Total risk-based capital ratio | 11.5921% | 5,453 |
| Memoranda: | ||
| Average total assets | $192,996,330 | 3,034 |
| Average earning assets | $180,228,670 | 2,996 |
| Average equity | $16,240,330 | 3,612 |
| Average total loans | $144,055,000 | 2,744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 883 |
| Cost of funding earning assets | 0.7059% | 822 |
| Net interest margin | 4.0271% | 1,398 |
| Noninterest income to average assets | 0.2372% | 4,842 |
| Noninterest expense to average assets | 3.0835% | 1,911 |
| Loan and lease loss provision to assets | 0.2285% | 682 |
| Net operating income to assets | 0.4570% | 4,750 |
| Return on assets (ROA) | 0.4570% | 4,772 |
| Pretax return on assets | 0.6746% | 4,519 |
| Return on Equity (ROE) | 5.3488% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.3488% | 2,706 |
| Net charge-offs to loans | 0.0088% | 2,668 |
| Credit loss provision to net charge-offs | 3,500.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 138.3333% | 395 |
| Efficiency ratio | 77.3472% | 1,713 |
| Assets per employee ($millions) | 4.3755% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,521 |
| Loan loss allowance to noncurrent loans | 102.0421% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,259 |
| Noncurrent loans to loans | 1.1069% | 1,848 |
| Net loans and leases to total assets | 72.6990% | 1,968 |
| Net loans and leases to deposits | 83.5610% | 2,333 |
| Net loans and leases to core deposits | 91.3877% | 2,226 |
| Total domestic deposits to total assets | 87.0011% | 2,210 |
| Equity capital to assets | 8.4104% | 5,299 |
| Core capital (leverage) ratio | 9.0495% | 4,679 |
| Tier 1 risk-based capital ratio | 10.8399% | 5,392 |
| Total risk-based capital ratio | 11.9021% | 5,397 |
| Memoranda: | ||
| Average total assets | $183,814,500 | 3,144 |
| Average earning assets | $171,140,500 | 3,121 |
| Average equity | $15,704,500 | 3,694 |
| Average total loans | $136,861,000 | 2,866 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 957 |
| Cost of funding earning assets | 0.6410% | 1,095 |
| Net interest margin | 4.1117% | 1,360 |
| Noninterest income to average assets | 0.2142% | 5,133 |
| Noninterest expense to average assets | 3.0572% | 2,152 |
| Loan and lease loss provision to assets | 0.2302% | 942 |
| Net operating income to assets | 0.4709% | 4,741 |
| Return on assets (ROA) | 0.4713% | 4,816 |
| Pretax return on assets | 0.7501% | 4,342 |
| Return on Equity (ROE) | 5.1098% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.7664% | 3,932 |
| Net charge-offs to loans | 0.0856% | 2,474 |
| Credit loss provision to net charge-offs | 342.8571% | 889 |
| Earnings coverage of net charge-offs (x) | 14.5905% | 2,275 |
| Efficiency ratio | 75.7326% | 2,023 |
| Assets per employee ($millions) | 4.2709% | 3,489 |
| Cash dividends to net income (ytd only)* | 45.8616% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,525 |
| Loan loss allowance to noncurrent loans | 91.0638% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 2,020 |
| Noncurrent loans to loans | 1.2447% | 1,650 |
| Net loans and leases to total assets | 74.6192% | 1,754 |
| Net loans and leases to deposits | 87.3298% | 2,008 |
| Net loans and leases to core deposits | 94.2605% | 2,079 |
| Total domestic deposits to total assets | 85.4453% | 2,859 |
| Equity capital to assets | 8.6902% | 5,112 |
| Core capital (leverage) ratio | 9.5813% | 3,990 |
| Tier 1 risk-based capital ratio | 11.1375% | 5,264 |
| Total risk-based capital ratio | 12.2169% | 5,252 |
| Memoranda: | ||
| Average total assets | $156,382,400 | 3,431 |
| Average earning assets | $145,391,600 | 3,428 |
| Average equity | $14,423,200 | 3,886 |
| Average total loans | $122,646,200 | 3,027 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 845 |
| Cost of funding earning assets | 0.6357% | 1,110 |
| Net interest margin | 4.1903% | 1,142 |
| Noninterest income to average assets | 0.2039% | 5,251 |
| Noninterest expense to average assets | 3.0014% | 2,318 |
| Loan and lease loss provision to assets | 0.2329% | 848 |
| Net operating income to assets | 0.5575% | 4,466 |
| Return on assets (ROA) | 0.5581% | 4,571 |
| Pretax return on assets | 0.8692% | 4,079 |
| Return on Equity (ROE) | 5.9519% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,225 |
| Net charge-offs to loans | 0.0765% | 2,230 |
| Credit loss provision to net charge-offs | 384.0580% | 868 |
| Earnings coverage of net charge-offs (x) | 18.1589% | 2,009 |
| Efficiency ratio | 73.1577% | 2,414 |
| Assets per employee ($millions) | 4.3668% | 3,305 |
| Cash dividends to net income (ytd only)* | 53.2286% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,473 |
| Loan loss allowance to noncurrent loans | 80.5711% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 1,774 |
| Noncurrent loans to loans | 1.4421% | 1,501 |
| Net loans and leases to total assets | 77.8658% | 1,223 |
| Net loans and leases to deposits | 91.8001% | 1,523 |
| Net loans and leases to core deposits | 99.8125% | 1,654 |
| Total domestic deposits to total assets | 84.8211% | 2,884 |
| Equity capital to assets | 9.7338% | 4,434 |
| Core capital (leverage) ratio | 9.8988% | 3,696 |
| Tier 1 risk-based capital ratio | 11.9092% | 4,843 |
| Total risk-based capital ratio | 13.0515% | 4,812 |
| Memoranda: | ||
| Average total assets | $151,701,750 | 3,506 |
| Average earning assets | $141,147,000 | 3,502 |
| Average equity | $14,224,750 | 3,950 |
| Average total loans | $120,267,750 | 3,070 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 884 |
| Cost of funding earning assets | 0.6190% | 1,201 |
| Net interest margin | 4.1815% | 1,157 |
| Noninterest income to average assets | 0.1922% | 5,348 |
| Noninterest expense to average assets | 2.9386% | 2,553 |
| Loan and lease loss provision to assets | 0.1668% | 1,347 |
| Net operating income to assets | 0.6450% | 4,066 |
| Return on assets (ROA) | 0.6459% | 4,205 |
| Pretax return on assets | 0.9915% | 3,619 |
| Return on Equity (ROE) | 6.9813% | 3,555 |
| Retained earnings to average equity (ytd only) | 3.7358% | 3,518 |
| Net charge-offs to loans | 0.0487% | 2,508 |
| Credit loss provision to net charge-offs | 431.0345% | 737 |
| Earnings coverage of net charge-offs (x) | 29.8966% | 1,393 |
| Efficiency ratio | 71.7498% | 2,703 |
| Assets per employee ($millions) | 4.7392% | 2,648 |
| Cash dividends to net income (ytd only)* | 46.4876% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,910 |
| Loan loss allowance to noncurrent loans | 71.9506% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 1,673 |
| Noncurrent loans to loans | 1.5386% | 1,403 |
| Net loans and leases to total assets | 78.8711% | 1,085 |
| Net loans and leases to deposits | 90.3509% | 1,712 |
| Net loans and leases to core deposits | 98.8186% | 1,738 |
| Total domestic deposits to total assets | 87.2942% | 1,758 |
| Equity capital to assets | 9.2440% | 5,028 |
| Core capital (leverage) ratio | 9.3171% | 4,438 |
| Tier 1 risk-based capital ratio | 11.2205% | 5,304 |
| Total risk-based capital ratio | 12.3156% | 5,307 |
| Memoranda: | ||
| Average total assets | $149,867,330 | 3,565 |
| Average earning assets | $139,902,670 | 3,539 |
| Average equity | $13,865,670 | 4,007 |
| Average total loans | $119,074,330 | 3,095 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 770 |
| Cost of funding earning assets | 0.5948% | 1,364 |
| Net interest margin | 4.2527% | 995 |
| Noninterest income to average assets | 0.2041% | 5,276 |
| Noninterest expense to average assets | 2.9321% | 2,601 |
| Loan and lease loss provision to assets | 0.1343% | 1,570 |
| Net operating income to assets | 0.7545% | 3,462 |
| Return on assets (ROA) | 0.7545% | 3,571 |
| Pretax return on assets | 1.1116% | 3,048 |
| Return on Equity (ROE) | 8.1514% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.9025% | 2,997 |
| Net charge-offs to loans | 0.3589% | 620 |
| Credit loss provision to net charge-offs | 47.1698% | 2,074 |
| Earnings coverage of net charge-offs (x) | 4.3774% | 2,443 |
| Efficiency ratio | 70.1799% | 3,086 |
| Assets per employee ($millions) | 4.7867% | 2,615 |
| Cash dividends to net income (ytd only)* | 39.8577% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 4,554 |
| Loan loss allowance to noncurrent loans | 71.2058% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 1,970 |
| Noncurrent loans to loans | 1.4162% | 1,685 |
| Net loans and leases to total assets | 78.5244% | 1,024 |
| Net loans and leases to deposits | 89.4807% | 1,641 |
| Net loans and leases to core deposits | 97.7911% | 1,649 |
| Total domestic deposits to total assets | 87.7557% | 1,776 |
| Equity capital to assets | 9.3600% | 4,825 |
| Core capital (leverage) ratio | 9.4060% | 4,339 |
| Tier 1 risk-based capital ratio | 11.3685% | 5,299 |
| Total risk-based capital ratio | 12.3612% | 5,358 |
| Memoranda: | ||
| Average total assets | $148,973,500 | 3,596 |
| Average earning assets | $139,206,000 | 3,573 |
| Average equity | $13,789,000 | 4,030 |
| Average total loans | $118,136,000 | 3,114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,150 |
| Cost of funding earning assets | 0.5559% | 1,710 |
| Net interest margin | 4.1244% | 1,350 |
| Noninterest income to average assets | 0.2216% | 5,273 |
| Noninterest expense to average assets | 2.9588% | 2,675 |
| Loan and lease loss provision to assets | 0.0894% | 2,511 |
| Net operating income to assets | 0.6526% | 4,025 |
| Return on assets (ROA) | 0.6562% | 4,104 |
| Pretax return on assets | 1.0244% | 3,366 |
| Return on Equity (ROE) | 7.0149% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.2028% | 2,995 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7544% | 2,781 |
| Assets per employee ($millions) | 4.8245% | 2,570 |
| Cash dividends to net income (ytd only)* | 40.0871% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,332 |
| Loan loss allowance to noncurrent loans | 152.5153% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 3,471 |
| Noncurrent loans to loans | 0.6874% | 3,129 |
| Net loans and leases to total assets | 78.4448% | 1,065 |
| Net loans and leases to deposits | 88.4861% | 1,813 |
| Net loans and leases to core deposits | 95.9297% | 1,856 |
| Total domestic deposits to total assets | 88.6520% | 1,307 |
| Equity capital to assets | 9.1528% | 4,966 |
| Core capital (leverage) ratio | 9.3868% | 4,343 |
| Tier 1 risk-based capital ratio | 11.1529% | 5,440 |
| Total risk-based capital ratio | 12.1841% | 5,465 |
| Memoranda: | ||
| Average total assets | $139,889,800 | 3,720 |
| Average earning assets | $130,418,000 | 3,697 |
| Average equity | $13,086,400 | 4,127 |
| Average total loans | $107,447,400 | 3,250 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,196 |
| Cost of funding earning assets | 0.5437% | 1,854 |
| Net interest margin | 4.1103% | 1,387 |
| Noninterest income to average assets | 0.1940% | 5,493 |
| Noninterest expense to average assets | 2.9717% | 2,607 |
| Loan and lease loss provision to assets | 0.0679% | 2,819 |
| Net operating income to assets | 0.6315% | 4,232 |
| Return on assets (ROA) | 0.6353% | 4,327 |
| Pretax return on assets | 0.9873% | 3,660 |
| Return on Equity (ROE) | 6.7511% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.9064% | 3,684 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9026% | 2,573 |
| Assets per employee ($millions) | 4.5689% | 2,889 |
| Cash dividends to net income (ytd only)* | 42.1374% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,296 |
| Loan loss allowance to noncurrent loans | 157.5597% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 3,712 |
| Noncurrent loans to loans | 0.6907% | 3,250 |
| Net loans and leases to total assets | 76.2403% | 1,353 |
| Net loans and leases to deposits | 90.7374% | 1,561 |
| Net loans and leases to core deposits | 98.3855% | 1,658 |
| Total domestic deposits to total assets | 84.0230% | 3,414 |
| Equity capital to assets | 9.4348% | 4,836 |
| Core capital (leverage) ratio | 9.7599% | 3,951 |
| Tier 1 risk-based capital ratio | 11.4976% | 5,375 |
| Total risk-based capital ratio | 12.5429% | 5,395 |
| Memoranda: | ||
| Average total assets | $137,472,250 | 3,794 |
| Average earning assets | $128,001,000 | 3,774 |
| Average equity | $12,935,750 | 4,192 |
| Average total loans | $104,668,000 | 3,327 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 1,112 |
| Cost of funding earning assets | 0.5338% | 1,954 |
| Net interest margin | 4.1472% | 1,231 |
| Noninterest income to average assets | 0.1734% | 5,662 |
| Noninterest expense to average assets | 2.9776% | 2,626 |
| Loan and lease loss provision to assets | 0.0588% | 2,928 |
| Net operating income to assets | 0.6527% | 4,110 |
| Return on assets (ROA) | 0.6584% | 4,186 |
| Pretax return on assets | 1.0053% | 3,570 |
| Return on Equity (ROE) | 7.0036% | 3,601 |
| Retained earnings to average equity (ytd only) | 4.1272% | 3,394 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8338% | 2,696 |
| Assets per employee ($millions) | 4.4963% | 2,996 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 4,211 |
| Loan loss allowance to noncurrent loans | 153.5809% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 3,745 |
| Noncurrent loans to loans | 0.7312% | 3,287 |
| Net loans and leases to total assets | 75.5875% | 1,424 |
| Net loans and leases to deposits | 85.6375% | 2,086 |
| Net loans and leases to core deposits | 93.2956% | 2,025 |
| Total domestic deposits to total assets | 88.2645% | 1,508 |
| Equity capital to assets | 9.7287% | 4,373 |
| Core capital (leverage) ratio | 9.8272% | 3,832 |
| Tier 1 risk-based capital ratio | 11.9683% | 5,176 |
| Total risk-based capital ratio | 13.0387% | 5,195 |
| Memoranda: | ||
| Average total assets | $136,084,670 | 3,852 |
| Average earning assets | $126,640,000 | 3,830 |
| Average equity | $12,793,330 | 4,242 |
| Average total loans | $103,167,000 | 3,376 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 1,299 |
| Cost of funding earning assets | 0.5157% | 2,151 |
| Net interest margin | 4.0501% | 1,411 |
| Noninterest income to average assets | 0.1814% | 5,629 |
| Noninterest expense to average assets | 2.9441% | 2,761 |
| Loan and lease loss provision to assets | 0.0732% | 2,476 |
| Net operating income to assets | 0.6291% | 4,148 |
| Return on assets (ROA) | 0.6409% | 4,204 |
| Pretax return on assets | 0.9511% | 3,687 |
| Return on Equity (ROE) | 6.9367% | 3,542 |
| Retained earnings to average equity (ytd only) | 4.0226% | 3,593 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5185% | 2,731 |
| Assets per employee ($millions) | 4.3219% | 3,338 |
| Cash dividends to net income (ytd only)* | 42.0091% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,386 |
| Loan loss allowance to noncurrent loans | 439.6154% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 5,197 |
| Noncurrent loans to loans | 0.2565% | 4,867 |
| Net loans and leases to total assets | 72.4779% | 1,736 |
| Net loans and leases to deposits | 80.4651% | 2,512 |
| Net loans and leases to core deposits | 87.0725% | 2,422 |
| Total domestic deposits to total assets | 90.0738% | 711 |
| Equity capital to assets | 9.2683% | 5,007 |
| Core capital (leverage) ratio | 9.5639% | 4,187 |
| Tier 1 risk-based capital ratio | 11.8435% | 5,338 |
| Total risk-based capital ratio | 12.8972% | 5,376 |
| Memoranda: | ||
| Average total assets | $136,682,000 | 3,869 |
| Average earning assets | $127,206,000 | 3,842 |
| Average equity | $12,628,500 | 4,300 |
| Average total loans | $103,191,500 | 3,395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,425 |
| Cost of funding earning assets | 0.5571% | 2,155 |
| Net interest margin | 4.0917% | 1,605 |
| Noninterest income to average assets | 0.1494% | 5,949 |
| Noninterest expense to average assets | 2.9034% | 3,140 |
| Loan and lease loss provision to assets | 0.2396% | 990 |
| Net operating income to assets | 0.5301% | 4,681 |
| Return on assets (ROA) | 0.5567% | 4,665 |
| Pretax return on assets | 0.8666% | 4,015 |
| Return on Equity (ROE) | 6.3265% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.6019% | 2,904 |
| Net charge-offs to loans | 0.0044% | 4,863 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 333.2500% | 165 |
| Efficiency ratio | 73.1683% | 2,992 |
| Assets per employee ($millions) | 4.2208% | 3,498 |
| Cash dividends to net income (ytd only)* | 27.2597% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.9154% | 1,140 |
| Net loans and leases to deposits | 89.2046% | 1,593 |
| Net loans and leases to core deposits | 95.5932% | 1,758 |
| Total domestic deposits to total assets | 86.2236% | 2,710 |
| Equity capital to assets | 9.2097% | 5,061 |
| Core capital (leverage) ratio | 9.4717% | 4,282 |
| Tier 1 risk-based capital ratio | 11.2035% | 5,815 |
| Total risk-based capital ratio | 12.2314% | 5,849 |
| Memoranda: | ||
| Average total assets | $125,196,200 | 4,080 |
| Average earning assets | $116,847,400 | 4,028 |
| Average equity | $11,017,200 | 4,557 |
| Average total loans | $90,339,600 | 3,624 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 1,480 |
| Cost of funding earning assets | 0.5686% | 2,116 |
| Net interest margin | 4.0650% | 1,677 |
| Noninterest income to average assets | 0.1238% | 6,143 |
| Noninterest expense to average assets | 2.8789% | 3,199 |
| Loan and lease loss provision to assets | 0.2662% | 796 |
| Net operating income to assets | 0.5009% | 4,869 |
| Return on assets (ROA) | 0.5193% | 4,867 |
| Pretax return on assets | 0.8050% | 4,349 |
| Return on Equity (ROE) | 5.9776% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.7896% | 3,220 |
| Net charge-offs to loans | 0.0061% | 4,484 |
| Credit loss provision to net charge-offs | 6,125.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 240.1445% | 277 |
| Efficiency ratio | 73.4072% | 2,921 |
| Assets per employee ($millions) | 4.1175% | 3,627 |
| Cash dividends to net income (ytd only)* | 19.8738% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.2994% | 1,796 |
| Net loans and leases to deposits | 84.9793% | 2,032 |
| Net loans and leases to core deposits | 91.6976% | 2,058 |
| Total domestic deposits to total assets | 85.0788% | 3,311 |
| Equity capital to assets | 8.5679% | 5,749 |
| Core capital (leverage) ratio | 8.8506% | 5,261 |
| Tier 1 risk-based capital ratio | 11.0525% | 5,968 |
| Total risk-based capital ratio | 12.1040% | 6,014 |
| Memoranda: | ||
| Average total assets | $122,729,250 | 4,163 |
| Average earning assets | $114,666,000 | 4,115 |
| Average equity | $10,661,750 | 4,655 |
| Average total loans | $86,673,750 | 3,735 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,671 |
| Cost of funding earning assets | 0.5787% | 2,082 |
| Net interest margin | 3.9686% | 1,909 |
| Noninterest income to average assets | 0.1169% | 6,213 |
| Noninterest expense to average assets | 2.8884% | 3,205 |
| Loan and lease loss provision to assets | 0.2339% | 970 |
| Net operating income to assets | 0.4521% | 5,008 |
| Return on assets (ROA) | 0.4694% | 5,007 |
| Pretax return on assets | 0.7217% | 4,567 |
| Return on Equity (ROE) | 5.3766% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.3766% | 2,717 |
| Net charge-offs to loans | 0.0096% | 4,078 |
| Credit loss provision to net charge-offs | 3,500.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 432 |
| Efficiency ratio | 75.6674% | 2,697 |
| Assets per employee ($millions) | 4.7456% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,132 |
| Loan loss allowance to noncurrent loans | 1,113.9535% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 5,974 |
| Noncurrent loans to loans | 0.0940% | 5,734 |
| Net loans and leases to total assets | 70.6379% | 1,978 |
| Net loans and leases to deposits | 85.8068% | 1,833 |
| Net loans and leases to core deposits | 93.7927% | 1,795 |
| Total domestic deposits to total assets | 82.3220% | 4,537 |
| Equity capital to assets | 8.5405% | 5,768 |
| Core capital (leverage) ratio | 9.2331% | 4,690 |
| Tier 1 risk-based capital ratio | 11.2639% | 5,929 |
| Total risk-based capital ratio | 12.2586% | 5,989 |
| Memoranda: | ||
| Average total assets | $119,719,330 | 4,246 |
| Average earning assets | $111,627,000 | 4,197 |
| Average equity | $10,452,670 | 4,714 |
| Average total loans | $83,457,000 | 3,824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,717 |
| Cost of funding earning assets | 0.5964% | 2,001 |
| Net interest margin | 3.9289% | 1,981 |
| Noninterest income to average assets | 0.1316% | 6,188 |
| Noninterest expense to average assets | 2.9261% | 3,135 |
| Loan and lease loss provision to assets | 0.2251% | 995 |
| Net operating income to assets | 0.4328% | 5,004 |
| Return on assets (ROA) | 0.4328% | 5,064 |
| Pretax return on assets | 0.6302% | 4,725 |
| Return on Equity (ROE) | 4.8984% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8984% | 3,174 |
| Net charge-offs to loans | 0.0201% | 3,183 |
| Credit loss provision to net charge-offs | 1,625.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 643 |
| Efficiency ratio | 77.3810% | 2,577 |
| Assets per employee ($millions) | 4.3447% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 4,799 |
| Loan loss allowance to noncurrent loans | 997.7778% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 6,017 |
| Noncurrent loans to loans | 0.1168% | 5,772 |
| Net loans and leases to total assets | 64.8955% | 2,744 |
| Net loans and leases to deposits | 73.8989% | 3,073 |
| Net loans and leases to core deposits | 80.9268% | 2,861 |
| Total domestic deposits to total assets | 87.8166% | 2,328 |
| Equity capital to assets | 9.0736% | 5,028 |
| Core capital (leverage) ratio | 9.7983% | 3,866 |
| Tier 1 risk-based capital ratio | 12.8668% | 5,086 |
| Total risk-based capital ratio | 13.9317% | 5,134 |
| Memoranda: | ||
| Average total assets | $115,513,500 | 4,379 |
| Average earning assets | $107,307,000 | 4,338 |
| Average equity | $10,207,500 | 4,775 |
| Average total loans | $79,452,000 | 3,953 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,289 |
| Cost of funding earning assets | 0.6271% | 2,415 |
| Net interest margin | 4.1845% | 1,401 |
| Noninterest income to average assets | 0.1665% | 6,089 |
| Noninterest expense to average assets | 2.9608% | 3,161 |
| Loan and lease loss provision to assets | 0.0627% | 3,880 |
| Net operating income to assets | 0.6403% | 4,073 |
| Return on assets (ROA) | 0.6495% | 4,143 |
| Pretax return on assets | 1.0390% | 3,195 |
| Return on Equity (ROE) | 6.7798% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,536 |
| Net charge-offs to loans | 0.0057% | 5,352 |
| Credit loss provision to net charge-offs | 1,525.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 264.5000% | 171 |
| Efficiency ratio | 73.1404% | 3,271 |
| Assets per employee ($millions) | 4.3738% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 5,453 |
| Loan loss allowance to noncurrent loans | 845.4545% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 6,083 |
| Noncurrent loans to loans | 0.1209% | 5,839 |
| Net loans and leases to total assets | 71.2645% | 1,800 |
| Net loans and leases to deposits | 80.8472% | 2,338 |
| Net loans and leases to core deposits | 88.2676% | 2,214 |
| Total domestic deposits to total assets | 88.1472% | 2,090 |
| Equity capital to assets | 8.5922% | 5,483 |
| Core capital (leverage) ratio | 9.5913% | 4,124 |
| Tier 1 risk-based capital ratio | 11.5422% | 5,884 |
| Total risk-based capital ratio | 12.4926% | 5,998 |
| Memoranda: | ||
| Average total assets | $97,305,000 | 4,805 |
| Average earning assets | $90,262,000 | 4,767 |
| Average equity | $9,321,800 | 5,012 |
| Average total loans | $70,063,400 | 4,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 1,206 |
| Cost of funding earning assets | 0.6279% | 2,570 |
| Net interest margin | 4.2365% | 1,230 |
| Noninterest income to average assets | 0.1574% | 6,245 |
| Noninterest expense to average assets | 2.9126% | 3,259 |
| Loan and lease loss provision to assets | 0.0873% | 3,313 |
| Net operating income to assets | 0.6967% | 3,878 |
| Return on assets (ROA) | 0.7096% | 3,940 |
| Pretax return on assets | 1.1158% | 3,042 |
| Return on Equity (ROE) | 7.1808% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.1808% | 1,798 |
| Net charge-offs to loans | 0.0079% | 5,001 |
| Credit loss provision to net charge-offs | 1,525.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 206.8743% | 279 |
| Efficiency ratio | 71.1142% | 3,587 |
| Assets per employee ($millions) | 4.2123% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,402 |
| Loan loss allowance to noncurrent loans | 812.6214% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,145 |
| Noncurrent loans to loans | 0.1329% | 5,922 |
| Net loans and leases to total assets | 72.7834% | 1,486 |
| Net loans and leases to deposits | 87.7238% | 1,398 |
| Net loans and leases to core deposits | 96.3483% | 1,363 |
| Total domestic deposits to total assets | 82.9688% | 4,582 |
| Equity capital to assets | 9.2311% | 4,899 |
| Core capital (leverage) ratio | 9.9751% | 3,709 |
| Tier 1 risk-based capital ratio | 12.0426% | 5,759 |
| Total risk-based capital ratio | 13.0474% | 5,857 |
| Memoranda: | ||
| Average total assets | $93,201,250 | 4,951 |
| Average earning assets | $86,640,750 | 4,910 |
| Average equity | $9,209,500 | 5,087 |
| Average total loans | $67,109,500 | 4,406 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 1,114 |
| Cost of funding earning assets | 0.6335% | 2,646 |
| Net interest margin | 4.2611% | 1,115 |
| Noninterest income to average assets | 0.1234% | 6,436 |
| Noninterest expense to average assets | 2.7679% | 3,787 |
| Loan and lease loss provision to assets | 0.0695% | 3,643 |
| Net operating income to assets | 0.8117% | 3,228 |
| Return on assets (ROA) | 0.8322% | 3,291 |
| Pretax return on assets | 1.2852% | 2,352 |
| Return on Equity (ROE) | 8.2089% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.2089% | 1,400 |
| Net charge-offs to loans | 0.0126% | 4,613 |
| Credit loss provision to net charge-offs | 775.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 335 |
| Efficiency ratio | 67.6535% | 4,241 |
| Assets per employee ($millions) | 4.8731% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,291 |
| Loan loss allowance to noncurrent loans | 775.9615% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 6,174 |
| Noncurrent loans to loans | 0.1465% | 5,957 |
| Net loans and leases to total assets | 71.9942% | 1,577 |
| Net loans and leases to deposits | 87.4540% | 1,409 |
| Net loans and leases to core deposits | 96.3515% | 1,323 |
| Total domestic deposits to total assets | 82.3223% | 4,938 |
| Equity capital to assets | 9.2857% | 4,877 |
| Core capital (leverage) ratio | 10.2123% | 3,211 |
| Tier 1 risk-based capital ratio | 12.0283% | 5,783 |
| Total risk-based capital ratio | 13.0931% | 5,840 |
| Memoranda: | ||
| Average total assets | $89,166,000 | 5,074 |
| Average earning assets | $83,031,000 | 5,023 |
| Average equity | $9,039,000 | 5,162 |
| Average total loans | $63,651,670 | 4,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 968 |
| Cost of funding earning assets | 0.6549% | 2,612 |
| Net interest margin | 4.3021% | 965 |
| Noninterest income to average assets | 0.1129% | 6,527 |
| Noninterest expense to average assets | 2.6583% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9786% | 2,328 |
| Return on assets (ROA) | 0.9786% | 2,456 |
| Pretax return on assets | 1.4726% | 1,639 |
| Return on Equity (ROE) | 9.2102% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.2102% | 1,317 |
| Net charge-offs to loans | 0.0267% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 78.2500% | 477 |
| Efficiency ratio | 64.3508% | 4,952 |
| Assets per employee ($millions) | 5.0331% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,512 |
| Loan loss allowance to noncurrent loans | 711.9266% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 6,192 |
| Noncurrent loans to loans | 0.1883% | 5,932 |
| Net loans and leases to total assets | 66.7504% | 2,235 |
| Net loans and leases to deposits | 81.9600% | 1,837 |
| Net loans and leases to core deposits | 90.7449% | 1,636 |
| Total domestic deposits to total assets | 81.4427% | 5,382 |
| Equity capital to assets | 10.6683% | 3,352 |
| Core capital (leverage) ratio | 10.8524% | 2,398 |
| Tier 1 risk-based capital ratio | 14.4879% | 4,185 |
| Total risk-based capital ratio | 15.7186% | 4,165 |
| Memoranda: | ||
| Average total assets | $85,018,000 | 5,232 |
| Average earning assets | $79,403,000 | 5,170 |
| Average equity | $9,033,500 | 5,214 |
| Average total loans | $59,990,500 | 4,705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 791 |
| Cost of funding earning assets | 0.7626% | 2,989 |
| Net interest margin | 4.6167% | 758 |
| Noninterest income to average assets | 0.0977% | 6,519 |
| Noninterest expense to average assets | 2.7848% | 4,086 |
| Loan and lease loss provision to assets | 0.0313% | 5,503 |
| Net operating income to assets | 1.0218% | 2,244 |
| Return on assets (ROA) | 1.0218% | 2,460 |
| Pretax return on assets | 1.6253% | 1,319 |
| Return on Equity (ROE) | 9.5703% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.5703% | 685 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7009% | 5,132 |
| Assets per employee ($millions) | 5.2796% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 72.5809% | 1,410 |
| Net loans and leases to deposits | 87.5523% | 1,323 |
| Net loans and leases to core deposits | 97.7520% | 1,159 |
| Total domestic deposits to total assets | 82.9001% | 4,762 |
| Equity capital to assets | 10.5820% | 3,421 |
| Core capital (leverage) ratio | 10.9195% | 2,320 |
| Tier 1 risk-based capital ratio | 13.6511% | 4,640 |
| Total risk-based capital ratio | 14.8685% | 4,604 |
| Memoranda: | ||
| Average total assets | $79,862,200 | 5,352 |
| Average earning assets | $75,139,600 | 5,270 |
| Average equity | $8,526,400 | 5,358 |
| Average total loans | $58,578,800 | 4,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 745 |
| Cost of funding earning assets | 0.7838% | 3,081 |
| Net interest margin | 4.6759% | 708 |
| Noninterest income to average assets | 0.0915% | 6,647 |
| Noninterest expense to average assets | 2.8425% | 3,834 |
| Loan and lease loss provision to assets | 0.0423% | 5,243 |
| Net operating income to assets | 1.0215% | 2,403 |
| Return on assets (ROA) | 1.0215% | 2,631 |
| Pretax return on assets | 1.6126% | 1,532 |
| Return on Equity (ROE) | 9.5448% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.5448% | 1,045 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2015% | 4,947 |
| Assets per employee ($millions) | 5.1260% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 73.9917% | 1,248 |
| Net loans and leases to deposits | 89.8558% | 1,160 |
| Net loans and leases to core deposits | 103.7173% | 880 |
| Total domestic deposits to total assets | 82.3449% | 4,902 |
| Equity capital to assets | 10.6540% | 3,661 |
| Core capital (leverage) ratio | 10.7866% | 2,620 |
| Tier 1 risk-based capital ratio | 13.1641% | 5,120 |
| Total risk-based capital ratio | 14.3668% | 5,115 |
| Memoranda: | ||
| Average total assets | $78,709,250 | 5,440 |
| Average earning assets | $74,165,250 | 5,364 |
| Average equity | $8,423,250 | 5,434 |
| Average total loans | $57,700,500 | 4,853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 774 |
| Cost of funding earning assets | 0.8059% | 3,139 |
| Net interest margin | 4.6584% | 737 |
| Noninterest income to average assets | 0.0902% | 6,716 |
| Noninterest expense to average assets | 2.8683% | 3,753 |
| Loan and lease loss provision to assets | 0.0515% | 5,024 |
| Net operating income to assets | 1.0128% | 2,412 |
| Return on assets (ROA) | 1.0128% | 2,628 |
| Pretax return on assets | 1.5798% | 1,606 |
| Return on Equity (ROE) | 9.4490% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.4490% | 1,131 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7457% | 4,938 |
| Assets per employee ($millions) | 4.9124% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 4,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 75.8292% | 989 |
| Net loans and leases to deposits | 92.7859% | 864 |
| Net loans and leases to core deposits | 108.7312% | 629 |
| Total domestic deposits to total assets | 81.7250% | 5,228 |
| Equity capital to assets | 10.8615% | 3,278 |
| Core capital (leverage) ratio | 10.7790% | 2,507 |
| Tier 1 risk-based capital ratio | 13.2171% | 5,020 |
| Total risk-based capital ratio | 14.4467% | 5,017 |
| Memoranda: | ||
| Average total assets | $77,607,000 | 5,504 |
| Average earning assets | $73,458,000 | 5,417 |
| Average equity | $8,318,330 | 5,474 |
| Average total loans | $56,445,670 | 4,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 779 |
| Cost of funding earning assets | 0.8451% | 3,103 |
| Net interest margin | 4.6401% | 760 |
| Noninterest income to average assets | 0.0778% | 6,835 |
| Noninterest expense to average assets | 2.9153% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0167% | 2,413 |
| Return on assets (ROA) | 1.0167% | 2,605 |
| Pretax return on assets | 1.5769% | 1,646 |
| Return on Equity (ROE) | 9.5505% | 2,582 |
| Retained earnings to average equity (ytd only) | 9.5505% | 1,398 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8961% | 4,762 |
| Assets per employee ($millions) | 4.7631% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 66.9151% | 2,307 |
| Net loans and leases to deposits | 82.0082% | 1,937 |
| Net loans and leases to core deposits | 94.4091% | 1,431 |
| Total domestic deposits to total assets | 81.5956% | 5,430 |
| Equity capital to assets | 10.8687% | 3,065 |
| Core capital (leverage) ratio | 10.5593% | 2,687 |
| Tier 1 risk-based capital ratio | 14.1331% | 4,370 |
| Total risk-based capital ratio | 15.3836% | 4,335 |
| Memoranda: | ||
| Average total assets | $77,111,000 | 5,559 |
| Average earning assets | $73,361,000 | 5,457 |
| Average equity | $8,209,000 | 5,527 |
| Average total loans | $54,480,500 | 5,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 1,102 |
| Cost of funding earning assets | 1.1106% | 2,602 |
| Net interest margin | 4.4176% | 1,354 |
| Noninterest income to average assets | 0.0769% | 6,730 |
| Noninterest expense to average assets | 2.7509% | 4,545 |
| Loan and lease loss provision to assets | 0.1016% | 5,317 |
| Net operating income to assets | 0.9458% | 2,431 |
| Return on assets (ROA) | 0.9578% | 2,506 |
| Pretax return on assets | 1.4569% | 1,612 |
| Return on Equity (ROE) | 9.5365% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.5365% | 664 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1057% | 5,104 |
| Assets per employee ($millions) | 5.2008% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.3671% | 1,578 |
| Net loans and leases to deposits | 90.9347% | 1,059 |
| Net loans and leases to core deposits | 102.2050% | 1,011 |
| Total domestic deposits to total assets | 79.5813% | 5,849 |
| Equity capital to assets | 10.4279% | 3,613 |
| Core capital (leverage) ratio | 10.0705% | 3,256 |
| Tier 1 risk-based capital ratio | 12.8337% | 5,210 |
| Total risk-based capital ratio | 14.0537% | 5,219 |
| Memoranda: | ||
| Average total assets | $76,738,000 | 5,547 |
| Average earning assets | $73,206,600 | 5,433 |
| Average equity | $7,707,200 | 5,661 |
| Average total loans | $51,841,200 | 5,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 1,342 |
| Cost of funding earning assets | 1.1562% | 2,595 |
| Net interest margin | 4.3123% | 1,669 |
| Noninterest income to average assets | 0.0750% | 6,864 |
| Noninterest expense to average assets | 2.6991% | 4,728 |
| Loan and lease loss provision to assets | 0.1099% | 5,060 |
| Net operating income to assets | 0.9240% | 2,654 |
| Return on assets (ROA) | 0.9404% | 2,733 |
| Pretax return on assets | 1.4097% | 1,917 |
| Return on Equity (ROE) | 9.4556% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.4556% | 995 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3511% | 5,004 |
| Assets per employee ($millions) | 5.8229% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 5,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.3441% | 2,206 |
| Net loans and leases to deposits | 86.0256% | 1,687 |
| Net loans and leases to core deposits | 96.7814% | 1,528 |
| Total domestic deposits to total assets | 80.6087% | 5,563 |
| Equity capital to assets | 9.7545% | 4,698 |
| Core capital (leverage) ratio | 10.0061% | 3,436 |
| Tier 1 risk-based capital ratio | 12.3681% | 5,608 |
| Total risk-based capital ratio | 13.5497% | 5,651 |
| Memoranda: | ||
| Average total assets | $76,419,500 | 5,597 |
| Average earning assets | $72,998,000 | 5,479 |
| Average equity | $7,600,250 | 5,723 |
| Average total loans | $50,499,000 | 5,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 1,311 |
| Cost of funding earning assets | 1.2228% | 2,423 |
| Net interest margin | 4.2701% | 1,763 |
| Noninterest income to average assets | 0.0669% | 6,971 |
| Noninterest expense to average assets | 2.7731% | 4,533 |
| Loan and lease loss provision to assets | 0.0402% | 5,807 |
| Net operating income to assets | 0.8796% | 2,739 |
| Return on assets (ROA) | 0.9047% | 2,721 |
| Pretax return on assets | 1.3571% | 1,938 |
| Return on Equity (ROE) | 9.0338% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.0338% | 1,097 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0984% | 4,683 |
| Assets per employee ($millions) | 5.3901% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.2528% | 2,982 |
| Net loans and leases to deposits | 80.7726% | 2,650 |
| Net loans and leases to core deposits | 88.5573% | 2,556 |
| Total domestic deposits to total assets | 82.0238% | 5,156 |
| Equity capital to assets | 10.2689% | 3,792 |
| Core capital (leverage) ratio | 10.2569% | 2,969 |
| Tier 1 risk-based capital ratio | 13.4702% | 4,550 |
| Total risk-based capital ratio | 14.7067% | 4,543 |
| Memoranda: | ||
| Average total assets | $74,719,000 | 5,699 |
| Average earning assets | $71,145,670 | 5,591 |
| Average equity | $7,483,000 | 5,778 |
| Average total loans | $48,242,000 | 5,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 1,534 |
| Cost of funding earning assets | 1.2871% | 2,257 |
| Net interest margin | 4.1197% | 2,193 |
| Noninterest income to average assets | 0.0484% | 7,144 |
| Noninterest expense to average assets | 2.7116% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8285% | 2,890 |
| Return on assets (ROA) | 0.8285% | 2,950 |
| Pretax return on assets | 1.2805% | 2,100 |
| Return on Equity (ROE) | 8.3810% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.3810% | 1,592 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9245% | 4,670 |
| Assets per employee ($millions) | 5.3459% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 60.5916% | 4,153 |
| Net loans and leases to deposits | 73.5739% | 3,830 |
| Net loans and leases to core deposits | 80.7392% | 3,638 |
| Total domestic deposits to total assets | 82.3548% | 5,166 |
| Equity capital to assets | 9.9089% | 3,891 |
| Core capital (leverage) ratio | 10.1012% | 3,036 |
| Tier 1 risk-based capital ratio | 13.9303% | 4,120 |
| Total risk-based capital ratio | 15.1808% | 4,092 |
| Memoranda: | ||
| Average total assets | $74,348,000 | 5,749 |
| Average earning assets | $71,169,500 | 5,625 |
| Average equity | $7,350,000 | 5,825 |
| Average total loans | $47,019,500 | 5,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 1,133 |
| Cost of funding earning assets | 1.5657% | 2,268 |
| Net interest margin | 4.2922% | 1,847 |
| Noninterest income to average assets | 0.0602% | 7,061 |
| Noninterest expense to average assets | 2.7728% | 4,694 |
| Loan and lease loss provision to assets | 0.3391% | 4,117 |
| Net operating income to assets | 1.1919% | 1,433 |
| Return on assets (ROA) | 1.1963% | 1,503 |
| Pretax return on assets | 1.0451% | 2,790 |
| Return on Equity (ROE) | 11.7775% | 1,373 |
| Retained earnings to average equity (ytd only) | 11.7775% | 293 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7727% | 4,806 |
| Assets per employee ($millions) | 5.2753% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 64.0954% | 3,855 |
| Net loans and leases to deposits | 80.1032% | 3,154 |
| Net loans and leases to core deposits | 87.0389% | 3,178 |
| Total domestic deposits to total assets | 80.0160% | 5,828 |
| Equity capital to assets | 9.8627% | 3,923 |
| Core capital (leverage) ratio | 10.2039% | 2,859 |
| Tier 1 risk-based capital ratio | 13.5170% | 4,183 |
| Total risk-based capital ratio | 14.7668% | 4,158 |
| Memoranda: | ||
| Average total assets | $68,125,600 | 5,931 |
| Average earning assets | $64,954,400 | 5,830 |
| Average equity | $6,920,000 | 6,059 |
| Average total loans | $46,962,600 | 5,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9330% | 1,069 |
| Cost of funding earning assets | 1.6784% | 1,974 |
| Net interest margin | 4.2547% | 2,017 |
| Noninterest income to average assets | 0.0600% | 7,227 |
| Noninterest expense to average assets | 2.7508% | 4,682 |
| Loan and lease loss provision to assets | 0.2999% | 4,176 |
| Net operating income to assets | 1.0875% | 1,930 |
| Return on assets (ROA) | 1.0935% | 2,015 |
| Pretax return on assets | 1.0695% | 2,931 |
| Return on Equity (ROE) | 10.6797% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.6797% | 650 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8610% | 4,684 |
| Assets per employee ($millions) | 5.7909% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 5,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.0596% | 2,474 |
| Net loans and leases to deposits | 91.3193% | 1,534 |
| Net loans and leases to core deposits | 100.0081% | 1,851 |
| Total domestic deposits to total assets | 77.8144% | 6,289 |
| Equity capital to assets | 10.4186% | 3,617 |
| Core capital (leverage) ratio | 10.2403% | 2,994 |
| Tier 1 risk-based capital ratio | 12.9230% | 4,635 |
| Total risk-based capital ratio | 14.0357% | 4,718 |
| Memoranda: | ||
| Average total assets | $66,693,500 | 6,040 |
| Average earning assets | $63,552,250 | 5,934 |
| Average equity | $6,829,000 | 6,171 |
| Average total loans | $46,699,750 | 5,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7442% | 1,574 |
| Cost of funding earning assets | 1.6339% | 2,457 |
| Net interest margin | 4.1103% | 2,510 |
| Noninterest income to average assets | 0.0608% | 7,282 |
| Noninterest expense to average assets | 2.7858% | 4,554 |
| Loan and lease loss provision to assets | 0.2889% | 4,079 |
| Net operating income to assets | 0.9215% | 2,462 |
| Return on assets (ROA) | 0.9306% | 2,530 |
| Pretax return on assets | 0.8972% | 3,504 |
| Return on Equity (ROE) | 9.1452% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.1452% | 1,064 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2993% | 4,131 |
| Assets per employee ($millions) | 5.8736% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.2472% | 3,783 |
| Net loans and leases to deposits | 84.5229% | 2,785 |
| Net loans and leases to core deposits | 90.9964% | 3,124 |
| Total domestic deposits to total assets | 78.3778% | 6,183 |
| Equity capital to assets | 9.8761% | 4,168 |
| Core capital (leverage) ratio | 10.2828% | 2,852 |
| Tier 1 risk-based capital ratio | 12.9565% | 4,486 |
| Total risk-based capital ratio | 14.0073% | 4,610 |
| Memoranda: | ||
| Average total assets | $65,761,000 | 6,115 |
| Average earning assets | $62,428,670 | 6,006 |
| Average equity | $6,692,000 | 6,240 |
| Average total loans | $45,607,670 | 5,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 1,611 |
| Cost of funding earning assets | 1.6748% | 2,513 |
| Net interest margin | 4.0798% | 2,530 |
| Noninterest income to average assets | 0.0568% | 7,430 |
| Noninterest expense to average assets | 2.7886% | 4,524 |
| Loan and lease loss provision to assets | 0.3470% | 3,299 |
| Net operating income to assets | 0.8265% | 2,852 |
| Return on assets (ROA) | 0.8454% | 2,865 |
| Pretax return on assets | 0.7823% | 3,943 |
| Return on Equity (ROE) | 8.1738% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.1738% | 1,634 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5210% | 4,022 |
| Assets per employee ($millions) | 5.4608% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 6,149 |
| Loan loss allowance to noncurrent loans | 253.0303% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,723 |
| Noncurrent loans to loans | 0.4226% | 6,451 |
| Net loans and leases to total assets | 70.7381% | 2,754 |
| Net loans and leases to deposits | 95.6877% | 1,146 |
| Net loans and leases to core deposits | 102.6871% | 1,844 |
| Total domestic deposits to total assets | 73.9260% | 7,055 |
| Equity capital to assets | 10.2275% | 3,566 |
| Core capital (leverage) ratio | 10.9520% | 2,261 |
| Tier 1 risk-based capital ratio | 13.0424% | 4,304 |
| Total risk-based capital ratio | 14.0198% | 4,470 |
| Memoranda: | ||
| Average total assets | $63,400,000 | 6,263 |
| Average earning assets | $59,709,000 | 6,183 |
| Average equity | $6,557,500 | 6,330 |
| Average total loans | $44,794,500 | 5,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2672% | 1,083 |
| Cost of funding earning assets | 2.1522% | 2,227 |
| Net interest margin | 4.1150% | 2,390 |
| Noninterest income to average assets | 0.0853% | 7,330 |
| Noninterest expense to average assets | 3.0477% | 3,955 |
| Loan and lease loss provision to assets | 0.5803% | 3,483 |
| Net operating income to assets | 0.6099% | 3,293 |
| Return on assets (ROA) | 0.8917% | 2,275 |
| Pretax return on assets | 0.6062% | 3,886 |
| Return on Equity (ROE) | 8.0009% | 2,369 |
| Retained earnings to average equity (ytd only) | 8.0009% | 699 |
| Net charge-offs to loans | 0.1649% | 5,635 |
| Credit loss provision to net charge-offs | 539.6552% | 560 |
| Earnings coverage of net charge-offs (x) | 8.4138% | 1,949 |
| Efficiency ratio | 77.1107% | 3,345 |
| Assets per employee ($millions) | 5.1059% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 6,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.0180% | 3,485 |
| Net loans and leases to deposits | 89.4946% | 2,301 |
| Net loans and leases to core deposits | 120.1227% | 1,940 |
| Total domestic deposits to total assets | 77.1197% | 6,442 |
| Equity capital to assets | 10.4666% | 3,222 |
| Core capital (leverage) ratio | 10.9984% | 2,224 |
| Tier 1 risk-based capital ratio | 13.8016% | 3,630 |
| Total risk-based capital ratio | 14.7415% | 3,771 |
| Memoranda: | ||
| Average total assets | $53,942,200 | 6,557 |
| Average earning assets | $50,692,600 | 6,508 |
| Average equity | $6,011,800 | 6,599 |
| Average total loans | $35,180,200 | 6,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2380% | 1,275 |
| Cost of funding earning assets | 2.2826% | 2,055 |
| Net interest margin | 3.9553% | 3,011 |
| Noninterest income to average assets | 0.0947% | 7,431 |
| Noninterest expense to average assets | 3.1062% | 3,631 |
| Loan and lease loss provision to assets | 0.5680% | 3,115 |
| Net operating income to assets | 0.5476% | 3,799 |
| Return on assets (ROA) | 0.9365% | 2,345 |
| Pretax return on assets | 0.5424% | 4,391 |
| Return on Equity (ROE) | 8.2549% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.2549% | 1,059 |
| Net charge-offs to loans | 0.2323% | 4,603 |
| Credit loss provision to net charge-offs | 382.7586% | 1,056 |
| Earnings coverage of net charge-offs (x) | 4.8621% | 2,991 |
| Efficiency ratio | 81.1497% | 2,695 |
| Assets per employee ($millions) | 5.7557% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 6,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.5976% | 2,887 |
| Net loans and leases to deposits | 93.5352% | 1,959 |
| Net loans and leases to core deposits | 130.5944% | 1,401 |
| Total domestic deposits to total assets | 77.6152% | 6,187 |
| Equity capital to assets | 10.7997% | 3,207 |
| Core capital (leverage) ratio | 10.8437% | 2,532 |
| Tier 1 risk-based capital ratio | 13.5053% | 3,843 |
| Total risk-based capital ratio | 14.2743% | 4,108 |
| Memoranda: | ||
| Average total assets | $52,110,000 | 6,679 |
| Average earning assets | $49,181,500 | 6,608 |
| Average equity | $5,911,500 | 6,696 |
| Average total loans | $33,291,750 | 6,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0011% | 2,175 |
| Cost of funding earning assets | 2.3744% | 2,064 |
| Net interest margin | 3.6267% | 4,260 |
| Noninterest income to average assets | 0.0915% | 7,517 |
| Noninterest expense to average assets | 3.1415% | 3,533 |
| Loan and lease loss provision to assets | 0.4772% | 3,138 |
| Net operating income to assets | -0.0954% | 5,998 |
| Return on assets (ROA) | 0.3539% | 4,779 |
| Pretax return on assets | 0.3539% | 5,062 |
| Return on Equity (ROE) | 3.0637% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.0637% | 3,609 |
| Net charge-offs to loans | 0.3955% | 3,221 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,344 |
| Efficiency ratio | 89.1648% | 1,889 |
| Assets per employee ($millions) | 5.7046% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 7,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.1720% | 4,727 |
| Net loans and leases to deposits | 79.8531% | 4,567 |
| Net loans and leases to core deposits | 109.7959% | 3,396 |
| Total domestic deposits to total assets | 81.6148% | 4,852 |
| Equity capital to assets | 10.1707% | 3,751 |
| Core capital (leverage) ratio | 10.9227% | 2,466 |
| Tier 1 risk-based capital ratio | 14.1058% | 3,454 |
| Total risk-based capital ratio | 14.7024% | 3,786 |
| Memoranda: | ||
| Average total assets | $50,294,330 | 6,815 |
| Average earning assets | $47,591,000 | 6,727 |
| Average equity | $5,810,000 | 6,791 |
| Average total loans | $30,342,330 | 6,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0255% | 2,250 |
| Cost of funding earning assets | 2.4784% | 1,998 |
| Net interest margin | 3.5471% | 4,535 |
| Noninterest income to average assets | 0.0938% | 7,582 |
| Noninterest expense to average assets | 3.0777% | 3,462 |
| Loan and lease loss provision to assets | 0.5968% | 2,105 |
| Net operating income to assets | -0.2131% | 6,577 |
| Return on assets (ROA) | 0.1705% | 5,922 |
| Pretax return on assets | 0.1705% | 6,011 |
| Return on Equity (ROE) | 1.3760% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.3760% | 5,084 |
| Net charge-offs to loans | 0.8956% | 1,465 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,424 |
| Efficiency ratio | 88.9163% | 1,814 |
| Assets per employee ($millions) | 5.3366% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.3960% | 5,879 |
| Net loans and leases to deposits | 78.3874% | 4,861 |
| Net loans and leases to core deposits | 102.7287% | 4,265 |
| Total domestic deposits to total assets | 74.4967% | 6,806 |
| Equity capital to assets | 12.1760% | 2,155 |
| Core capital (leverage) ratio | 11.9371% | 1,927 |
| Tier 1 risk-based capital ratio | 17.3069% | 2,244 |
| Total risk-based capital ratio | 17.9265% | 2,380 |
| Memoranda: | ||
| Average total assets | $46,918,500 | 6,995 |
| Average earning assets | $44,544,000 | 6,898 |
| Average equity | $5,814,000 | 6,834 |
| Average total loans | $26,799,000 | 6,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3282% | 3,805 |
| Cost of funding earning assets | 2.9716% | 1,976 |
| Net interest margin | 3.3565% | 5,841 |
| Noninterest income to average assets | 0.0691% | 7,803 |
| Noninterest expense to average assets | 3.6760% | 1,993 |
| Loan and lease loss provision to assets | 0.3762% | 3,429 |
| Net operating income to assets | -0.7740% | 7,121 |
| Return on assets (ROA) | -0.6694% | 6,946 |
| Pretax return on assets | -0.6915% | 6,804 |
| Return on Equity (ROE) | -4.2744% | 6,782 |
| Retained earnings to average equity (ytd only) | -4.2744% | 6,376 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0102% | 652 |
| Assets per employee ($millions) | 5.7260% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 7,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 54.9227% | 6,554 |
| Net loans and leases to deposits | 75.2993% | 5,684 |
| Net loans and leases to core deposits | 96.0304% | 5,255 |
| Total domestic deposits to total assets | 72.9392% | 6,842 |
| Equity capital to assets | 12.6179% | 1,961 |
| Core capital (leverage) ratio | 12.7475% | 1,645 |
| Tier 1 risk-based capital ratio | 18.6697% | 1,875 |
| Total risk-based capital ratio | 19.3071% | 1,978 |
| Memoranda: | ||
| Average total assets | $36,153,400 | 7,375 |
| Average earning assets | $34,291,200 | 7,314 |
| Average equity | $5,661,600 | 6,930 |
| Average total loans | $19,380,600 | 7,371 |