Home > First National Bank in Fredonia > Performance and Condition Ratios
First National Bank in Fredonia, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 4,048 |
| Cost of funding earning assets | 1.0674% | 3,918 |
| Net interest margin | 3.2615% | 2,854 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 2.1682% | 3,204 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.3531% | 1,365 |
| Return on assets (ROA) | 1.3531% | 1,356 |
| Pretax return on assets | 1.3531% | 1,844 |
| Return on Equity (ROE) | 13.7000% | 1,337 |
| Retained earnings to average equity (ytd only) | 13.7013% | 573 |
| Net charge-offs to loans | -0.1296% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.1494% | 2,816 |
| Assets per employee ($millions) | 6.5120% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1848% | 138 |
| Loan loss allowance to noncurrent loans | 504.7120% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 1,916 |
| Noncurrent loans to loans | 0.6310% | 1,587 |
| Net loans and leases to total assets | 30.0000% | 4,196 |
| Net loans and leases to deposits | 33.6584% | 4,218 |
| Net loans and leases to core deposits | 41.1720% | 4,145 |
| Total domestic deposits to total assets | 89.1300% | 1,135 |
| Equity capital to assets | 10.6450% | 1,842 |
| Core capital (leverage) ratio | 18.0440% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $98,145,000 | 3,792 |
| Average earning assets | $94,435,500 | 3,743 |
| Average equity | $9,692,500 | 3,810 |
| Average total loans | $30,869,000 | 4,075 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 4,079 |
| Cost of funding earning assets | 0.9884% | 4,056 |
| Net interest margin | 3.2958% | 2,451 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 2.1455% | 3,222 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.3387% | 1,236 |
| Return on assets (ROA) | 1.3387% | 1,236 |
| Pretax return on assets | 1.3715% | 1,591 |
| Return on Equity (ROE) | 13.4500% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.9936% | 1,393 |
| Net charge-offs to loans | -0.0251% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.5091% | 3,109 |
| Assets per employee ($millions) | 6.6539% | 2,387 |
| Cash dividends to net income (ytd only)* | 40.5516% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 170 |
| Loan loss allowance to noncurrent loans | 452.4510% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,425 |
| Noncurrent loans to loans | 0.6266% | 1,539 |
| Net loans and leases to total assets | 31.6900% | 4,232 |
| Net loans and leases to deposits | 35.8244% | 4,256 |
| Net loans and leases to core deposits | 42.3861% | 4,194 |
| Total domestic deposits to total assets | 88.4700% | 1,094 |
| Equity capital to assets | 11.2446% | 1,604 |
| Core capital (leverage) ratio | 16.7059% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $97,505,500 | 3,814 |
| Average earning assets | $94,826,500 | 3,753 |
| Average equity | $9,707,500 | 3,804 |
| Average total loans | $31,838,000 | 4,084 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 4,106 |
| Cost of funding earning assets | 0.9489% | 4,075 |
| Net interest margin | 3.2807% | 2,456 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.1584% | 3,185 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.3087% | 1,246 |
| Return on assets (ROA) | 1.3087% | 1,257 |
| Pretax return on assets | 1.3356% | 1,610 |
| Return on Equity (ROE) | 13.7600% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.7574% | 377 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.2676% | 3,084 |
| Assets per employee ($millions) | 6.4305% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8096% | 177 |
| Loan loss allowance to noncurrent loans | 354.0856% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 1,691 |
| Noncurrent loans to loans | 0.7935% | 1,176 |
| Net loans and leases to total assets | 32.6300% | 4,217 |
| Net loans and leases to deposits | 36.2833% | 4,263 |
| Net loans and leases to core deposits | 43.3374% | 4,178 |
| Total domestic deposits to total assets | 89.9400% | 721 |
| Equity capital to assets | 9.8613% | 2,161 |
| Core capital (leverage) ratio | 18.2659% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $96,738,000 | 3,830 |
| Average earning assets | $94,003,333 | 3,779 |
| Average equity | $9,202,333 | 3,832 |
| Average total loans | $31,598,333 | 4,101 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 4,118 |
| Cost of funding earning assets | 0.8779% | 4,114 |
| Net interest margin | 3.2827% | 2,377 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.1966% | 3,086 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.3212% | 1,199 |
| Return on assets (ROA) | 1.3212% | 1,207 |
| Pretax return on assets | 1.3212% | 1,590 |
| Return on Equity (ROE) | 14.1500% | 1,117 |
| Retained earnings to average equity (ytd only) | 14.1476% | 490 |
| Net charge-offs to loans | 0.1538% | 547 |
| Credit loss provision to net charge-offs | 58.3333% | 1,370 |
| Earnings coverage of net charge-offs (x) | 27.2500% | 1,210 |
| Efficiency ratio | 61.9325% | 3,038 |
| Assets per employee ($millions) | 6.2905% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8441% | 139 |
| Loan loss allowance to noncurrent loans | 285.5769% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 1,426 |
| Noncurrent loans to loans | 0.9959% | 872 |
| Net loans and leases to total assets | 32.2600% | 4,235 |
| Net loans and leases to deposits | 35.6476% | 4,268 |
| Net loans and leases to core deposits | 41.0202% | 4,257 |
| Total domestic deposits to total assets | 90.4900% | 644 |
| Equity capital to assets | 9.3622% | 2,425 |
| Core capital (leverage) ratio | 17.8791% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $96,878,000 | 3,848 |
| Average earning assets | $94,311,500 | 3,794 |
| Average equity | $9,047,500 | 3,873 |
| Average total loans | $31,203,000 | 4,129 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,201 |
| Cost of funding earning assets | 0.5613% | 4,128 |
| Net interest margin | 3.2175% | 2,836 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.2459% | 2,990 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1459% | 1,795 |
| Return on assets (ROA) | 1.1459% | 1,766 |
| Pretax return on assets | 1.1908% | 2,167 |
| Return on Equity (ROE) | 12.6200% | 1,813 |
| Retained earnings to average equity (ytd only) | 3.0375% | 3,264 |
| Net charge-offs to loans | 0.1050% | 875 |
| Credit loss provision to net charge-offs | 78.7879% | 2,032 |
| Earnings coverage of net charge-offs (x) | 34.5455% | 1,543 |
| Efficiency ratio | 64.8257% | 2,504 |
| Assets per employee ($millions) | 6.6265% | 2,322 |
| Cash dividends to net income (ytd only)* | 75.9328% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8831% | 127 |
| Loan loss allowance to noncurrent loans | 212.3223% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 1,306 |
| Noncurrent loans to loans | 1.3579% | 509 |
| Net loans and leases to total assets | 30.3600% | 4,281 |
| Net loans and leases to deposits | 33.5255% | 4,314 |
| Net loans and leases to core deposits | 38.2753% | 4,309 |
| Total domestic deposits to total assets | 90.5700% | 611 |
| Equity capital to assets | 9.3171% | 2,481 |
| Core capital (leverage) ratio | 18.3984% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $93,547,200 | 3,882 |
| Average earning assets | $91,034,400 | 3,828 |
| Average equity | $8,493,800 | 3,879 |
| Average total loans | $31,415,600 | 4,121 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,125 |
| Cost of funding earning assets | 0.5136% | 4,115 |
| Net interest margin | 3.2811% | 2,732 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.1255% | 3,282 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3408% | 1,443 |
| Return on assets (ROA) | 1.3408% | 1,427 |
| Pretax return on assets | 1.3828% | 1,815 |
| Return on Equity (ROE) | 14.8700% | 1,474 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,857 |
| Net charge-offs to loans | 0.0466% | 1,221 |
| Credit loss provision to net charge-offs | 172.7273% | 1,221 |
| Earnings coverage of net charge-offs (x) | 88.5455% | 985 |
| Efficiency ratio | 60.1147% | 2,949 |
| Assets per employee ($millions) | 5.7383% | 2,978 |
| Cash dividends to net income (ytd only)* | 43.9525% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9105% | 129 |
| Loan loss allowance to noncurrent loans | 373.3607% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 1,869 |
| Noncurrent loans to loans | 0.7796% | 1,064 |
| Net loans and leases to total assets | 35.3100% | 4,205 |
| Net loans and leases to deposits | 38.5417% | 4,241 |
| Net loans and leases to core deposits | 43.0683% | 4,194 |
| Total domestic deposits to total assets | 91.6000% | 536 |
| Equity capital to assets | 8.2638% | 2,875 |
| Core capital (leverage) ratio | 18.8653% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5598% | 177 |
| Memoranda: | ||
| Average total assets | $92,084,500 | 3,908 |
| Average earning assets | $89,561,500 | 3,856 |
| Average equity | $8,302,000 | 3,901 |
| Average total loans | $31,500,000 | 4,139 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,149 |
| Cost of funding earning assets | 0.4387% | 4,100 |
| Net interest margin | 3.2501% | 2,865 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.1235% | 3,283 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3370% | 1,481 |
| Return on assets (ROA) | 1.3370% | 1,463 |
| Pretax return on assets | 1.3689% | 1,890 |
| Return on Equity (ROE) | 14.4600% | 1,588 |
| Retained earnings to average equity (ytd only) | 14.4625% | 628 |
| Net charge-offs to loans | -0.0570% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.3625% | 2,919 |
| Assets per employee ($millions) | 6.2027% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8952% | 140 |
| Loan loss allowance to noncurrent loans | 332.3741% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 1,721 |
| Noncurrent loans to loans | 0.8711% | 870 |
| Net loans and leases to total assets | 33.3100% | 4,259 |
| Net loans and leases to deposits | 36.8156% | 4,283 |
| Net loans and leases to core deposits | 41.2542% | 4,233 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 9.4464% | 2,189 |
| Core capital (leverage) ratio | 19.2057% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,088,000 | 3,908 |
| Average earning assets | $91,627,667 | 3,849 |
| Average equity | $8,698,333 | 3,877 |
| Average total loans | $31,566,667 | 4,147 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,059 |
| Cost of funding earning assets | 0.3558% | 4,059 |
| Net interest margin | 3.3239% | 2,820 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1393% | 3,281 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4375% | 1,312 |
| Return on assets (ROA) | 1.4375% | 1,287 |
| Pretax return on assets | 1.4375% | 1,796 |
| Return on Equity (ROE) | 15.7200% | 1,415 |
| Retained earnings to average equity (ytd only) | 15.7171% | 717 |
| Net charge-offs to loans | -0.0892% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.3897% | 3,037 |
| Assets per employee ($millions) | 6.1306% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9497% | 132 |
| Loan loss allowance to noncurrent loans | 345.6604% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 1,719 |
| Noncurrent loans to loans | 0.8534% | 893 |
| Net loans and leases to total assets | 32.7700% | 4,300 |
| Net loans and leases to deposits | 36.4915% | 4,314 |
| Net loans and leases to core deposits | 40.7777% | 4,251 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 10.1437% | 1,745 |
| Core capital (leverage) ratio | 18.2853% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,611,500 | 3,953 |
| Average earning assets | $92,182,000 | 3,894 |
| Average equity | $8,653,000 | 3,932 |
| Average total loans | $31,392,500 | 4,204 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 3,491 |
| Cost of funding earning assets | 0.3424% | 2,543 |
| Net interest margin | 2.9998% | 3,452 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.0630% | 3,408 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1408% | 2,008 |
| Return on assets (ROA) | 1.1418% | 1,946 |
| Pretax return on assets | 1.2062% | 2,416 |
| Return on Equity (ROE) | 10.4100% | 2,676 |
| Retained earnings to average equity (ytd only) | 1.1847% | 4,162 |
| Net charge-offs to loans | -0.2367% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.6606% | 2,682 |
| Assets per employee ($millions) | 6.4843% | 2,348 |
| Cash dividends to net income (ytd only)* | 88.6243% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8458% | 142 |
| Loan loss allowance to noncurrent loans | 350.0000% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,834 |
| Noncurrent loans to loans | 0.8131% | 912 |
| Net loans and leases to total assets | 31.7000% | 4,348 |
| Net loans and leases to deposits | 34.5385% | 4,382 |
| Net loans and leases to core deposits | 38.8791% | 4,305 |
| Total domestic deposits to total assets | 91.7700% | 696 |
| Equity capital to assets | 8.2024% | 2,932 |
| Core capital (leverage) ratio | 17.5508% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $99,319,200 | 3,935 |
| Average earning assets | $96,972,600 | 3,866 |
| Average equity | $10,888,400 | 3,770 |
| Average total loans | $32,109,000 | 4,207 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 3,170 |
| Cost of funding earning assets | 0.3446% | 1,749 |
| Net interest margin | 2.9578% | 3,335 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.9539% | 3,617 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2114% | 1,655 |
| Return on assets (ROA) | 1.2127% | 1,630 |
| Pretax return on assets | 1.2794% | 2,109 |
| Return on Equity (ROE) | 10.4200% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.6486% | 3,220 |
| Net charge-offs to loans | -0.1573% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0082% | 3,112 |
| Assets per employee ($millions) | 6.7540% | 2,129 |
| Cash dividends to net income (ytd only)* | 55.3965% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 201 |
| Loan loss allowance to noncurrent loans | 239.2758% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 1,425 |
| Noncurrent loans to loans | 1.1023% | 679 |
| Net loans and leases to total assets | 33.5400% | 4,318 |
| Net loans and leases to deposits | 36.4835% | 4,348 |
| Net loans and leases to core deposits | 41.0379% | 4,247 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 8.0143% | 2,881 |
| Core capital (leverage) ratio | 17.7528% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,833,000 | 3,955 |
| Average earning assets | $97,502,000 | 3,880 |
| Average equity | $11,616,000 | 3,754 |
| Average total loans | $32,203,500 | 4,233 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 3,038 |
| Cost of funding earning assets | 0.3321% | 1,422 |
| Net interest margin | 2.8704% | 3,244 |
| Noninterest income to average assets | 0.3642% | 2,964 |
| Noninterest expense to average assets | 1.9332% | 3,623 |
| Loan and lease loss provision to assets | 0.0236% | 2,176 |
| Net operating income to assets | 1.1478% | 1,609 |
| Return on assets (ROA) | 1.1497% | 1,581 |
| Pretax return on assets | 1.2166% | 2,020 |
| Return on Equity (ROE) | 9.0110% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.0110% | 1,283 |
| Net charge-offs to loans | -0.1496% | 4,531 |
| Credit loss provision to net charge-offs | -50.0000% | 3,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9559% | 3,182 |
| Assets per employee ($millions) | 6.5113% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6005% | 223 |
| Loan loss allowance to noncurrent loans | 233.7047% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,525 |
| Noncurrent loans to loans | 1.1127% | 740 |
| Net loans and leases to total assets | 32.1736% | 4,396 |
| Net loans and leases to deposits | 35.8116% | 4,395 |
| Net loans and leases to core deposits | 39.8145% | 4,326 |
| Total domestic deposits to total assets | 89.8413% | 1,776 |
| Equity capital to assets | 10.1065% | 1,653 |
| Core capital (leverage) ratio | 16.9528% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,592,000 | 3,971 |
| Average earning assets | $99,360,000 | 3,919 |
| Average equity | $12,962,000 | 3,687 |
| Average total loans | $32,081,667 | 4,280 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 2,821 |
| Cost of funding earning assets | 0.3282% | 1,393 |
| Net interest margin | 2.8235% | 3,063 |
| Noninterest income to average assets | 0.3708% | 2,864 |
| Noninterest expense to average assets | 1.9082% | 3,666 |
| Loan and lease loss provision to assets | 0.0232% | 1,943 |
| Net operating income to assets | 1.1782% | 1,305 |
| Return on assets (ROA) | 1.1820% | 1,289 |
| Pretax return on assets | 1.2013% | 1,812 |
| Return on Equity (ROE) | 8.4370% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.4370% | 1,448 |
| Net charge-offs to loans | -0.1750% | 4,580 |
| Credit loss provision to net charge-offs | -42.8571% | 2,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9877% | 3,376 |
| Assets per employee ($millions) | 6.3118% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6039% | 256 |
| Loan loss allowance to noncurrent loans | 213.2124% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 1,585 |
| Noncurrent loans to loans | 1.2213% | 723 |
| Net loans and leases to total assets | 30.4815% | 4,434 |
| Net loans and leases to deposits | 34.8986% | 4,426 |
| Net loans and leases to core deposits | 39.0617% | 4,337 |
| Total domestic deposits to total assets | 87.3432% | 2,800 |
| Equity capital to assets | 12.6133% | 779 |
| Core capital (leverage) ratio | 16.0787% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,553,000 | 3,977 |
| Average earning assets | $101,152,000 | 3,928 |
| Average equity | $14,507,500 | 3,607 |
| Average total loans | $31,991,000 | 4,294 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 3,283 |
| Cost of funding earning assets | 0.3451% | 1,984 |
| Net interest margin | 2.9293% | 3,377 |
| Noninterest income to average assets | 0.3182% | 3,506 |
| Noninterest expense to average assets | 2.0106% | 3,647 |
| Loan and lease loss provision to assets | 0.0259% | 2,541 |
| Net operating income to assets | 1.1126% | 2,234 |
| Return on assets (ROA) | 1.1433% | 2,188 |
| Pretax return on assets | 1.1845% | 2,716 |
| Return on Equity (ROE) | 7.0656% | 3,497 |
| Retained earnings to average equity (ytd only) | 2.1913% | 3,925 |
| Net charge-offs to loans | -0.0826% | 4,522 |
| Credit loss provision to net charge-offs | -93.1034% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0409% | 2,711 |
| Assets per employee ($millions) | 6.6323% | 2,212 |
| Cash dividends to net income (ytd only)* | 68.9858% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4802% | 288 |
| Loan loss allowance to noncurrent loans | 193.0288% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 1,656 |
| Noncurrent loans to loans | 1.2849% | 742 |
| Net loans and leases to total assets | 29.7530% | 4,515 |
| Net loans and leases to deposits | 35.1557% | 4,499 |
| Net loans and leases to core deposits | 38.9324% | 4,423 |
| Total domestic deposits to total assets | 84.6321% | 3,387 |
| Equity capital to assets | 15.3387% | 452 |
| Core capital (leverage) ratio | 15.8796% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,346,800 | 3,950 |
| Average earning assets | $102,277,800 | 3,885 |
| Average equity | $16,884,600 | 3,474 |
| Average total loans | $35,118,200 | 4,283 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 3,112 |
| Cost of funding earning assets | 0.3516% | 2,105 |
| Net interest margin | 3.0442% | 3,193 |
| Noninterest income to average assets | 0.3105% | 3,569 |
| Noninterest expense to average assets | 1.9312% | 3,866 |
| Loan and lease loss provision to assets | 0.0260% | 2,478 |
| Net operating income to assets | 1.3047% | 1,815 |
| Return on assets (ROA) | 1.3371% | 1,775 |
| Pretax return on assets | 1.3756% | 2,421 |
| Return on Equity (ROE) | 8.1548% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.9305% | 3,244 |
| Net charge-offs to loans | -0.0521% | 4,377 |
| Credit loss provision to net charge-offs | -142.8571% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5375% | 3,191 |
| Assets per employee ($millions) | 6.3648% | 2,363 |
| Cash dividends to net income (ytd only)* | 39.5393% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 326 |
| Loan loss allowance to noncurrent loans | 182.4766% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 1,783 |
| Noncurrent loans to loans | 1.3223% | 813 |
| Net loans and leases to total assets | 31.0172% | 4,566 |
| Net loans and leases to deposits | 37.3016% | 4,536 |
| Net loans and leases to core deposits | 41.7227% | 4,455 |
| Total domestic deposits to total assets | 83.1525% | 3,666 |
| Equity capital to assets | 16.7582% | 354 |
| Core capital (leverage) ratio | 16.2000% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,904,250 | 4,008 |
| Average earning assets | $102,005,750 | 3,931 |
| Average equity | $17,036,500 | 3,509 |
| Average total loans | $35,803,750 | 4,329 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 3,956 |
| Cost of funding earning assets | 0.3584% | 2,244 |
| Net interest margin | 2.6922% | 3,996 |
| Noninterest income to average assets | 0.3136% | 3,547 |
| Noninterest expense to average assets | 1.8892% | 3,992 |
| Loan and lease loss provision to assets | 0.0268% | 2,443 |
| Net operating income to assets | 1.0089% | 2,860 |
| Return on assets (ROA) | 1.0460% | 2,811 |
| Pretax return on assets | 1.0785% | 3,279 |
| Return on Equity (ROE) | 6.4252% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.4252% | 2,651 |
| Net charge-offs to loans | -0.0595% | 4,443 |
| Credit loss provision to net charge-offs | -127.2727% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9069% | 2,442 |
| Assets per employee ($millions) | 6.0862% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1054% | 499 |
| Loan loss allowance to noncurrent loans | 159.5041% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,785 |
| Noncurrent loans to loans | 1.3200% | 888 |
| Net loans and leases to total assets | 34.6939% | 4,512 |
| Net loans and leases to deposits | 41.5973% | 4,470 |
| Net loans and leases to core deposits | 46.4216% | 4,382 |
| Total domestic deposits to total assets | 83.4040% | 3,607 |
| Equity capital to assets | 16.5138% | 373 |
| Core capital (leverage) ratio | 15.7015% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,593,333 | 4,020 |
| Average earning assets | $102,665,333 | 3,943 |
| Average equity | $17,026,667 | 3,508 |
| Average total loans | $36,949,000 | 4,335 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9465% | 4,193 |
| Cost of funding earning assets | 0.3732% | 2,327 |
| Net interest margin | 2.5733% | 4,196 |
| Noninterest income to average assets | 0.3195% | 3,492 |
| Noninterest expense to average assets | 2.0921% | 3,448 |
| Loan and lease loss provision to assets | 0.0266% | 2,433 |
| Net operating income to assets | 0.7189% | 3,665 |
| Return on assets (ROA) | 0.7189% | 3,731 |
| Pretax return on assets | 0.7189% | 3,978 |
| Return on Equity (ROE) | 4.4478% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.4478% | 3,380 |
| Net charge-offs to loans | -0.1186% | 4,683 |
| Credit loss provision to net charge-offs | -63.6364% | 2,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7265% | 1,338 |
| Assets per employee ($millions) | 6.1678% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 543 |
| Loan loss allowance to noncurrent loans | 152.0875% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,958 |
| Noncurrent loans to loans | 1.3473% | 954 |
| Net loans and leases to total assets | 34.8768% | 4,553 |
| Net loans and leases to deposits | 41.5949% | 4,511 |
| Net loans and leases to core deposits | 46.3403% | 4,429 |
| Total domestic deposits to total assets | 83.8487% | 3,483 |
| Equity capital to assets | 16.0703% | 383 |
| Core capital (leverage) ratio | 15.5740% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,157,500 | 4,013 |
| Average earning assets | $102,901,000 | 3,949 |
| Average equity | $16,997,000 | 3,508 |
| Average total loans | $37,089,500 | 4,350 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,030 |
| Cost of funding earning assets | 0.4620% | 3,206 |
| Net interest margin | 3.0409% | 3,785 |
| Noninterest income to average assets | 0.3346% | 3,458 |
| Noninterest expense to average assets | 2.1156% | 3,900 |
| Loan and lease loss provision to assets | 0.0283% | 4,045 |
| Net operating income to assets | 1.1205% | 1,838 |
| Return on assets (ROA) | 1.1341% | 1,910 |
| Pretax return on assets | 1.1856% | 2,380 |
| Return on Equity (ROE) | 6.5577% | 3,385 |
| Retained earnings to average equity (ytd only) | 0.9761% | 4,239 |
| Net charge-offs to loans | 0.0677% | 1,818 |
| Credit loss provision to net charge-offs | 116.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 49.4583% | 1,211 |
| Efficiency ratio | 63.8110% | 2,854 |
| Assets per employee ($millions) | 6.2037% | 2,163 |
| Cash dividends to net income (ytd only)* | 85.1159% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 550 |
| Loan loss allowance to noncurrent loans | 121.4634% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 1,679 |
| Noncurrent loans to loans | 1.6692% | 779 |
| Net loans and leases to total assets | 34.2281% | 4,637 |
| Net loans and leases to deposits | 40.9163% | 4,637 |
| Net loans and leases to core deposits | 45.7852% | 4,547 |
| Total domestic deposits to total assets | 83.6540% | 3,217 |
| Equity capital to assets | 16.2559% | 404 |
| Core capital (leverage) ratio | 15.7553% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,933,600 | 4,013 |
| Average earning assets | $96,978,600 | 3,923 |
| Average equity | $17,109,600 | 3,446 |
| Average total loans | $35,469,600 | 4,397 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 3,998 |
| Cost of funding earning assets | 0.4835% | 3,335 |
| Net interest margin | 3.1220% | 3,684 |
| Noninterest income to average assets | 0.3371% | 3,460 |
| Noninterest expense to average assets | 2.0513% | 4,041 |
| Loan and lease loss provision to assets | 0.0288% | 3,972 |
| Net operating income to assets | 1.2696% | 1,424 |
| Return on assets (ROA) | 1.2881% | 1,488 |
| Pretax return on assets | 1.3374% | 1,914 |
| Return on Equity (ROE) | 7.3288% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.6098% | 3,249 |
| Net charge-offs to loans | -0.0493% | 4,667 |
| Credit loss provision to net charge-offs | -161.5385% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3629% | 3,339 |
| Assets per employee ($millions) | 6.2730% | 2,025 |
| Cash dividends to net income (ytd only)* | 50.7447% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 434 |
| Loan loss allowance to noncurrent loans | 154.1667% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 2,135 |
| Noncurrent loans to loans | 1.3508% | 1,089 |
| Net loans and leases to total assets | 36.4000% | 4,666 |
| Net loans and leases to deposits | 44.1846% | 4,656 |
| Net loans and leases to core deposits | 49.5719% | 4,590 |
| Total domestic deposits to total assets | 82.3818% | 3,319 |
| Equity capital to assets | 17.4687% | 339 |
| Core capital (leverage) ratio | 16.0028% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,301,250 | 4,031 |
| Average earning assets | $95,407,250 | 3,945 |
| Average equity | $17,101,000 | 3,450 |
| Average total loans | $35,125,750 | 4,434 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,109 |
| Cost of funding earning assets | 0.5001% | 3,532 |
| Net interest margin | 3.1895% | 3,696 |
| Noninterest income to average assets | 0.3407% | 3,432 |
| Noninterest expense to average assets | 2.0648% | 4,106 |
| Loan and lease loss provision to assets | 0.0291% | 3,890 |
| Net operating income to assets | 1.3296% | 1,278 |
| Return on assets (ROA) | 1.3336% | 1,369 |
| Pretax return on assets | 1.3772% | 1,778 |
| Return on Equity (ROE) | 7.5721% | 2,905 |
| Retained earnings to average equity (ytd only) | 1.9461% | 3,783 |
| Net charge-offs to loans | -0.0233% | 4,453 |
| Credit loss provision to net charge-offs | -350.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5566% | 3,475 |
| Assets per employee ($millions) | 6.3376% | 1,916 |
| Cash dividends to net income (ytd only)* | 74.2991% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 344 |
| Loan loss allowance to noncurrent loans | 189.7756% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 2,632 |
| Noncurrent loans to loans | 1.1520% | 1,369 |
| Net loans and leases to total assets | 33.5782% | 4,791 |
| Net loans and leases to deposits | 40.6308% | 4,779 |
| Net loans and leases to core deposits | 45.4217% | 4,726 |
| Total domestic deposits to total assets | 82.6424% | 3,194 |
| Equity capital to assets | 17.2117% | 357 |
| Core capital (leverage) ratio | 16.2057% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,279,000 | 4,045 |
| Average earning assets | $94,373,000 | 3,965 |
| Average equity | $16,957,000 | 3,467 |
| Average total loans | $34,397,333 | 4,466 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 4,110 |
| Cost of funding earning assets | 0.5272% | 3,812 |
| Net interest margin | 3.3332% | 3,505 |
| Noninterest income to average assets | 0.4354% | 2,877 |
| Noninterest expense to average assets | 2.4371% | 3,456 |
| Loan and lease loss provision to assets | 0.0299% | 3,405 |
| Net operating income to assets | 1.2335% | 1,423 |
| Return on assets (ROA) | 1.2420% | 1,504 |
| Pretax return on assets | 1.2420% | 2,060 |
| Return on Equity (ROE) | 6.9663% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.9663% | 1,549 |
| Net charge-offs to loans | -0.1287% | 4,872 |
| Credit loss provision to net charge-offs | -63.6364% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8593% | 2,990 |
| Assets per employee ($millions) | 5.7654% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 355 |
| Loan loss allowance to noncurrent loans | 127.8992% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 1,999 |
| Noncurrent loans to loans | 1.7532% | 860 |
| Net loans and leases to total assets | 35.9643% | 4,776 |
| Net loans and leases to deposits | 44.1611% | 4,758 |
| Net loans and leases to core deposits | 49.9932% | 4,679 |
| Total domestic deposits to total assets | 81.4390% | 3,561 |
| Equity capital to assets | 18.4472% | 321 |
| Core capital (leverage) ratio | 17.4066% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,717,500 | 4,079 |
| Average earning assets | $91,805,000 | 4,000 |
| Average equity | $16,709,000 | 3,499 |
| Average total loans | $34,191,000 | 4,494 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 4,301 |
| Cost of funding earning assets | 0.4972% | 4,103 |
| Net interest margin | 3.4812% | 3,508 |
| Noninterest income to average assets | 0.3504% | 3,604 |
| Noninterest expense to average assets | 2.2213% | 4,117 |
| Loan and lease loss provision to assets | 0.0305% | 3,408 |
| Net operating income to assets | 1.4193% | 1,279 |
| Return on assets (ROA) | 1.4224% | 1,342 |
| Pretax return on assets | 1.5008% | 1,809 |
| Return on Equity (ROE) | 8.1433% | 3,105 |
| Retained earnings to average equity (ytd only) | 1.3894% | 4,249 |
| Net charge-offs to loans | 0.2233% | 913 |
| Credit loss provision to net charge-offs | 36.8421% | 3,228 |
| Earnings coverage of net charge-offs (x) | 18.4737% | 2,059 |
| Efficiency ratio | 59.2453% | 3,807 |
| Assets per employee ($millions) | 5.9493% | 1,664 |
| Cash dividends to net income (ytd only)* | 82.9380% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 356 |
| Loan loss allowance to noncurrent loans | 147.1287% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,235 |
| Noncurrent loans to loans | 1.4661% | 992 |
| Net loans and leases to total assets | 35.4057% | 4,858 |
| Net loans and leases to deposits | 42.8152% | 4,854 |
| Net loans and leases to core deposits | 47.9819% | 4,790 |
| Total domestic deposits to total assets | 82.6942% | 3,309 |
| Equity capital to assets | 17.2301% | 441 |
| Core capital (leverage) ratio | 17.6202% | 363 |
| Tier 1 risk-based capital ratio | 37.3823% | 283 |
| Total risk-based capital ratio | 38.6376% | 277 |
| Memoranda: | ||
| Average total assets | $91,883,800 | 4,114 |
| Average earning assets | $89,710,400 | 4,047 |
| Average equity | $16,050,000 | 3,537 |
| Average total loans | $34,032,400 | 4,557 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 4,265 |
| Cost of funding earning assets | 0.4910% | 4,179 |
| Net interest margin | 3.5558% | 3,383 |
| Noninterest income to average assets | 0.3456% | 3,659 |
| Noninterest expense to average assets | 2.2037% | 4,172 |
| Loan and lease loss provision to assets | 0.0307% | 3,286 |
| Net operating income to assets | 1.4981% | 1,188 |
| Return on assets (ROA) | 1.5023% | 1,238 |
| Pretax return on assets | 1.5828% | 1,691 |
| Return on Equity (ROE) | 8.5700% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,374 |
| Net charge-offs to loans | 0.1847% | 935 |
| Credit loss provision to net charge-offs | 44.6809% | 2,824 |
| Earnings coverage of net charge-offs (x) | 23.3812% | 1,833 |
| Efficiency ratio | 57.7957% | 3,967 |
| Assets per employee ($millions) | 5.5039% | 2,032 |
| Cash dividends to net income (ytd only)* | 52.8265% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 312 |
| Loan loss allowance to noncurrent loans | 131.6695% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 1,990 |
| Noncurrent loans to loans | 1.6988% | 858 |
| Net loans and leases to total assets | 37.9687% | 4,868 |
| Net loans and leases to deposits | 46.8942% | 4,846 |
| Net loans and leases to core deposits | 52.8490% | 4,782 |
| Total domestic deposits to total assets | 80.9668% | 3,769 |
| Equity capital to assets | 18.9026% | 319 |
| Core capital (leverage) ratio | 18.1970% | 339 |
| Tier 1 risk-based capital ratio | 39.9157% | 245 |
| Total risk-based capital ratio | 41.1747% | 246 |
| Memoranda: | ||
| Average total assets | $91,057,750 | 4,178 |
| Average earning assets | $88,791,750 | 4,114 |
| Average equity | $15,962,250 | 3,580 |
| Average total loans | $33,929,250 | 4,620 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 4,308 |
| Cost of funding earning assets | 0.4815% | 4,198 |
| Net interest margin | 3.5533% | 3,424 |
| Noninterest income to average assets | 0.3324% | 3,716 |
| Noninterest expense to average assets | 2.1465% | 4,335 |
| Loan and lease loss provision to assets | 0.0304% | 3,210 |
| Net operating income to assets | 1.5360% | 1,041 |
| Return on assets (ROA) | 1.5360% | 1,096 |
| Pretax return on assets | 1.6186% | 1,489 |
| Return on Equity (ROE) | 8.9867% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.9867% | 1,030 |
| Net charge-offs to loans | 0.2364% | 710 |
| Credit loss provision to net charge-offs | 35.0000% | 2,570 |
| Earnings coverage of net charge-offs (x) | 18.9750% | 1,838 |
| Efficiency ratio | 56.5541% | 4,183 |
| Assets per employee ($millions) | 5.6671% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2569% | 312 |
| Loan loss allowance to noncurrent loans | 141.9295% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 2,177 |
| Noncurrent loans to loans | 1.5902% | 963 |
| Net loans and leases to total assets | 36.5386% | 4,958 |
| Net loans and leases to deposits | 44.8765% | 4,931 |
| Net loans and leases to core deposits | 50.6830% | 4,852 |
| Total domestic deposits to total assets | 81.4203% | 3,688 |
| Equity capital to assets | 18.4794% | 334 |
| Core capital (leverage) ratio | 18.0320% | 338 |
| Tier 1 risk-based capital ratio | 38.9233% | 253 |
| Total risk-based capital ratio | 40.1768% | 248 |
| Memoranda: | ||
| Average total assets | $92,056,330 | 4,188 |
| Average earning assets | $89,719,330 | 4,119 |
| Average equity | $15,734,330 | 3,610 |
| Average total loans | $33,838,670 | 4,658 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 4,310 |
| Cost of funding earning assets | 0.4800% | 4,155 |
| Net interest margin | 3.5468% | 3,440 |
| Noninterest income to average assets | 0.3062% | 3,828 |
| Noninterest expense to average assets | 2.4195% | 3,720 |
| Loan and lease loss provision to assets | 0.0302% | 3,015 |
| Net operating income to assets | 1.2809% | 1,771 |
| Return on assets (ROA) | 1.2809% | 1,814 |
| Pretax return on assets | 1.2981% | 2,459 |
| Return on Equity (ROE) | 7.8037% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,736 |
| Net charge-offs to loans | -0.1183% | 5,065 |
| Credit loss provision to net charge-offs | -70.0000% | 3,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5570% | 3,151 |
| Assets per employee ($millions) | 5.6625% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4356% | 265 |
| Loan loss allowance to noncurrent loans | 131.5961% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 2,068 |
| Noncurrent loans to loans | 1.8508% | 828 |
| Net loans and leases to total assets | 35.7252% | 5,026 |
| Net loans and leases to deposits | 43.2038% | 5,007 |
| Net loans and leases to core deposits | 48.6978% | 4,922 |
| Total domestic deposits to total assets | 82.6898% | 3,508 |
| Equity capital to assets | 17.2583% | 424 |
| Core capital (leverage) ratio | 17.3015% | 396 |
| Tier 1 risk-based capital ratio | 32.7639% | 395 |
| Total risk-based capital ratio | 34.0185% | 387 |
| Memoranda: | ||
| Average total assets | $92,747,500 | 4,220 |
| Average earning assets | $89,997,500 | 4,144 |
| Average equity | $15,223,500 | 3,678 |
| Average total loans | $33,810,000 | 4,706 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 4,389 |
| Cost of funding earning assets | 0.3557% | 4,248 |
| Net interest margin | 3.4958% | 3,719 |
| Noninterest income to average assets | 0.3355% | 3,872 |
| Noninterest expense to average assets | 2.1649% | 4,415 |
| Loan and lease loss provision to assets | 0.0280% | 3,614 |
| Net operating income to assets | 1.4875% | 1,153 |
| Return on assets (ROA) | 1.4875% | 1,140 |
| Pretax return on assets | 1.5566% | 1,601 |
| Return on Equity (ROE) | 9.3347% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.6738% | 4,066 |
| Net charge-offs to loans | -0.0982% | 5,148 |
| Credit loss provision to net charge-offs | -81.2500% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7388% | 4,188 |
| Assets per employee ($millions) | 5.9309% | 1,568 |
| Cash dividends to net income (ytd only)* | 71.3561% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 286 |
| Loan loss allowance to noncurrent loans | 125.1981% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 2,019 |
| Noncurrent loans to loans | 1.8319% | 767 |
| Net loans and leases to total assets | 35.4655% | 5,080 |
| Net loans and leases to deposits | 42.0388% | 5,080 |
| Net loans and leases to core deposits | 47.1960% | 5,002 |
| Total domestic deposits to total assets | 84.3638% | 2,881 |
| Equity capital to assets | 15.6078% | 597 |
| Core capital (leverage) ratio | 17.4916% | 368 |
| Tier 1 risk-based capital ratio | 31.0229% | 424 |
| Total risk-based capital ratio | 32.2750% | 421 |
| Memoranda: | ||
| Average total assets | $92,705,000 | 4,222 |
| Average earning assets | $90,537,600 | 4,137 |
| Average equity | $14,772,800 | 3,662 |
| Average total loans | $32,578,600 | 4,751 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,372 |
| Cost of funding earning assets | 0.3260% | 4,341 |
| Net interest margin | 3.5035% | 3,688 |
| Noninterest income to average assets | 0.3226% | 3,989 |
| Noninterest expense to average assets | 2.1701% | 4,387 |
| Loan and lease loss provision to assets | 0.0275% | 3,455 |
| Net operating income to assets | 1.4902% | 1,221 |
| Return on assets (ROA) | 1.4902% | 1,219 |
| Pretax return on assets | 1.5611% | 1,702 |
| Return on Equity (ROE) | 9.3022% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.8588% | 3,311 |
| Net charge-offs to loans | -0.0831% | 5,105 |
| Credit loss provision to net charge-offs | -95.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7367% | 4,162 |
| Assets per employee ($millions) | 5.5711% | 1,854 |
| Cash dividends to net income (ytd only)* | 47.7667% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3327% | 294 |
| Loan loss allowance to noncurrent loans | 139.0991% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 2,263 |
| Noncurrent loans to loans | 1.6770% | 926 |
| Net loans and leases to total assets | 36.2618% | 5,137 |
| Net loans and leases to deposits | 44.1927% | 5,109 |
| Net loans and leases to core deposits | 49.9567% | 5,024 |
| Total domestic deposits to total assets | 82.0537% | 3,594 |
| Equity capital to assets | 16.2097% | 500 |
| Core capital (leverage) ratio | 17.4820% | 375 |
| Tier 1 risk-based capital ratio | 33.1417% | 366 |
| Total risk-based capital ratio | 34.3942% | 361 |
| Memoranda: | ||
| Average total assets | $92,157,500 | 4,277 |
| Average earning assets | $90,383,250 | 4,181 |
| Average equity | $14,763,250 | 3,692 |
| Average total loans | $32,112,000 | 4,822 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,455 |
| Cost of funding earning assets | 0.3087% | 4,361 |
| Net interest margin | 3.4466% | 3,813 |
| Noninterest income to average assets | 0.3628% | 3,731 |
| Noninterest expense to average assets | 2.1317% | 4,537 |
| Loan and lease loss provision to assets | 0.0258% | 3,404 |
| Net operating income to assets | 1.5113% | 1,129 |
| Return on assets (ROA) | 1.5113% | 1,128 |
| Pretax return on assets | 1.5843% | 1,551 |
| Return on Equity (ROE) | 9.4700% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.4700% | 1,080 |
| Net charge-offs to loans | -0.2517% | 5,361 |
| Credit loss provision to net charge-offs | -30.0000% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9707% | 4,367 |
| Assets per employee ($millions) | 5.7617% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4191% | 269 |
| Loan loss allowance to noncurrent loans | 134.1880% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 2,092 |
| Noncurrent loans to loans | 1.8028% | 863 |
| Net loans and leases to total assets | 34.3487% | 5,230 |
| Net loans and leases to deposits | 41.8081% | 5,199 |
| Net loans and leases to core deposits | 46.8230% | 5,127 |
| Total domestic deposits to total assets | 82.1580% | 3,664 |
| Equity capital to assets | 16.1747% | 478 |
| Core capital (leverage) ratio | 17.3189% | 361 |
| Tier 1 risk-based capital ratio | 33.2703% | 364 |
| Total risk-based capital ratio | 34.5240% | 358 |
| Memoranda: | ||
| Average total assets | $93,164,000 | 4,294 |
| Average earning assets | $91,337,670 | 4,199 |
| Average equity | $14,868,000 | 3,696 |
| Average total loans | $31,784,330 | 4,880 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,498 |
| Cost of funding earning assets | 0.3097% | 4,266 |
| Net interest margin | 3.3765% | 3,960 |
| Noninterest income to average assets | 0.3844% | 3,570 |
| Noninterest expense to average assets | 2.3278% | 4,121 |
| Loan and lease loss provision to assets | 0.0214% | 3,257 |
| Net operating income to assets | 1.3240% | 1,567 |
| Return on assets (ROA) | 1.3240% | 1,572 |
| Pretax return on assets | 1.3411% | 2,217 |
| Return on Equity (ROE) | 8.3521% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.3521% | 1,708 |
| Net charge-offs to loans | -0.6232% | 5,508 |
| Credit loss provision to net charge-offs | -10.2041% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0787% | 3,622 |
| Assets per employee ($millions) | 5.7503% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5162% | 246 |
| Loan loss allowance to noncurrent loans | 127.3463% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 2,016 |
| Noncurrent loans to loans | 1.9759% | 818 |
| Net loans and leases to total assets | 33.1395% | 5,288 |
| Net loans and leases to deposits | 39.4111% | 5,277 |
| Net loans and leases to core deposits | 44.1079% | 5,208 |
| Total domestic deposits to total assets | 84.0867% | 3,290 |
| Equity capital to assets | 15.8785% | 505 |
| Core capital (leverage) ratio | 16.6888% | 414 |
| Tier 1 risk-based capital ratio | 36.1549% | 301 |
| Total risk-based capital ratio | 37.4120% | 295 |
| Memoranda: | ||
| Average total assets | $93,652,500 | 4,336 |
| Average earning assets | $91,693,000 | 4,238 |
| Average equity | $14,846,500 | 3,725 |
| Average total loans | $31,451,500 | 4,937 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,445 |
| Cost of funding earning assets | 0.3279% | 3,894 |
| Net interest margin | 3.3254% | 4,080 |
| Noninterest income to average assets | 0.3364% | 4,062 |
| Noninterest expense to average assets | 2.0830% | 4,797 |
| Loan and lease loss provision to assets | 0.1316% | 1,744 |
| Net operating income to assets | 1.3242% | 1,174 |
| Return on assets (ROA) | 1.3222% | 1,194 |
| Pretax return on assets | 1.3699% | 2,099 |
| Return on Equity (ROE) | 8.2359% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.5382% | 3,808 |
| Net charge-offs to loans | 0.2893% | 910 |
| Credit loss provision to net charge-offs | 137.7778% | 1,918 |
| Earnings coverage of net charge-offs (x) | 15.7444% | 2,223 |
| Efficiency ratio | 58.0769% | 4,520 |
| Assets per employee ($millions) | 5.9563% | 1,545 |
| Cash dividends to net income (ytd only)* | 69.1814% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3177% | 305 |
| Loan loss allowance to noncurrent loans | 96.0682% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 1,719 |
| Noncurrent loans to loans | 2.4126% | 576 |
| Net loans and leases to total assets | 32.4166% | 5,384 |
| Net loans and leases to deposits | 38.5248% | 5,379 |
| Net loans and leases to core deposits | 43.0865% | 5,318 |
| Total domestic deposits to total assets | 84.1448% | 3,149 |
| Equity capital to assets | 15.8279% | 534 |
| Core capital (leverage) ratio | 16.3354% | 433 |
| Tier 1 risk-based capital ratio | 32.0594% | 389 |
| Total risk-based capital ratio | 33.3135% | 387 |
| Memoranda: | ||
| Average total assets | $94,237,600 | 4,341 |
| Average earning assets | $92,108,000 | 4,239 |
| Average equity | $15,128,800 | 3,710 |
| Average total loans | $31,104,600 | 5,001 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,381 |
| Cost of funding earning assets | 0.3312% | 3,837 |
| Net interest margin | 3.3435% | 4,034 |
| Noninterest income to average assets | 0.2965% | 4,411 |
| Noninterest expense to average assets | 2.1013% | 4,731 |
| Loan and lease loss provision to assets | 0.0936% | 2,210 |
| Net operating income to assets | 1.3238% | 1,266 |
| Return on assets (ROA) | 1.3238% | 1,293 |
| Pretax return on assets | 1.3677% | 2,229 |
| Return on Equity (ROE) | 8.2164% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.4209% | 3,267 |
| Net charge-offs to loans | 0.1033% | 1,752 |
| Credit loss provision to net charge-offs | 275.0000% | 1,057 |
| Earnings coverage of net charge-offs (x) | 42.9156% | 1,234 |
| Efficiency ratio | 58.9805% | 4,360 |
| Assets per employee ($millions) | 5.6613% | 1,766 |
| Cash dividends to net income (ytd only)* | 46.1948% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 331 |
| Loan loss allowance to noncurrent loans | 84.3964% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 1,548 |
| Noncurrent loans to loans | 2.7604% | 503 |
| Net loans and leases to total assets | 34.2964% | 5,408 |
| Net loans and leases to deposits | 41.3359% | 5,377 |
| Net loans and leases to core deposits | 46.5995% | 5,298 |
| Total domestic deposits to total assets | 82.9699% | 3,462 |
| Equity capital to assets | 16.9660% | 433 |
| Core capital (leverage) ratio | 16.4511% | 437 |
| Tier 1 risk-based capital ratio | 37.0349% | 281 |
| Total risk-based capital ratio | 38.2904% | 278 |
| Memoranda: | ||
| Average total assets | $93,972,000 | 4,383 |
| Average earning assets | $91,797,250 | 4,288 |
| Average equity | $15,140,000 | 3,736 |
| Average total loans | $30,974,250 | 5,049 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 4,453 |
| Cost of funding earning assets | 0.3298% | 3,796 |
| Net interest margin | 3.2932% | 4,133 |
| Noninterest income to average assets | 0.3428% | 4,095 |
| Noninterest expense to average assets | 2.0336% | 4,901 |
| Loan and lease loss provision to assets | 0.0988% | 2,039 |
| Net operating income to assets | 1.3880% | 1,097 |
| Return on assets (ROA) | 1.3880% | 1,121 |
| Pretax return on assets | 1.4237% | 1,922 |
| Return on Equity (ROE) | 8.7626% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.7626% | 912 |
| Net charge-offs to loans | -0.0521% | 5,191 |
| Credit loss provision to net charge-offs | -587.5000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1851% | 4,684 |
| Assets per employee ($millions) | 6.2889% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4085% | 319 |
| Loan loss allowance to noncurrent loans | 167.1840% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,518 |
| Noncurrent loans to loans | 1.4406% | 1,319 |
| Net loans and leases to total assets | 32.3874% | 5,493 |
| Net loans and leases to deposits | 38.8653% | 5,483 |
| Net loans and leases to core deposits | 43.6713% | 5,403 |
| Total domestic deposits to total assets | 83.3324% | 3,456 |
| Equity capital to assets | 16.6114% | 451 |
| Core capital (leverage) ratio | 16.4998% | 418 |
| Tier 1 risk-based capital ratio | 37.2225% | 259 |
| Total risk-based capital ratio | 38.4787% | 257 |
| Memoranda: | ||
| Average total assets | $95,102,330 | 4,393 |
| Average earning assets | $92,797,000 | 4,295 |
| Average equity | $15,064,000 | 3,753 |
| Average total loans | $30,696,670 | 5,091 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 4,374 |
| Cost of funding earning assets | 0.3273% | 3,780 |
| Net interest margin | 3.2899% | 4,044 |
| Noninterest income to average assets | 0.3519% | 4,027 |
| Noninterest expense to average assets | 2.2621% | 4,501 |
| Loan and lease loss provision to assets | 0.1215% | 1,576 |
| Net operating income to assets | 1.1687% | 1,595 |
| Return on assets (ROA) | 1.1687% | 1,638 |
| Pretax return on assets | 1.1687% | 2,711 |
| Return on Equity (ROE) | 7.5605% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.5605% | 1,624 |
| Net charge-offs to loans | -0.1711% | 5,593 |
| Credit loss provision to net charge-offs | -223.0769% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6792% | 3,892 |
| Assets per employee ($millions) | 6.2189% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 332 |
| Loan loss allowance to noncurrent loans | 141.4122% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 2,394 |
| Noncurrent loans to loans | 1.7312% | 1,107 |
| Net loans and leases to total assets | 31.6531% | 5,551 |
| Net loans and leases to deposits | 37.7506% | 5,530 |
| Net loans and leases to core deposits | 42.4623% | 5,453 |
| Total domestic deposits to total assets | 83.8481% | 3,534 |
| Equity capital to assets | 16.1112% | 475 |
| Core capital (leverage) ratio | 16.1566% | 446 |
| Tier 1 risk-based capital ratio | 39.5144% | 230 |
| Total risk-based capital ratio | 40.7715% | 226 |
| Memoranda: | ||
| Average total assets | $95,487,000 | 4,427 |
| Average earning assets | $92,889,000 | 4,337 |
| Average equity | $14,761,000 | 3,806 |
| Average total loans | $30,392,000 | 5,144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,565 |
| Cost of funding earning assets | 0.3381% | 3,654 |
| Net interest margin | 3.2430% | 4,319 |
| Noninterest income to average assets | 0.3820% | 4,020 |
| Noninterest expense to average assets | 1.9887% | 5,212 |
| Loan and lease loss provision to assets | 0.1781% | 1,352 |
| Net operating income to assets | 1.2902% | 1,234 |
| Return on assets (ROA) | 1.2961% | 1,294 |
| Pretax return on assets | 1.3593% | 2,067 |
| Return on Equity (ROE) | 8.1804% | 2,844 |
| Retained earnings to average equity (ytd only) | 0.8167% | 4,998 |
| Net charge-offs to loans | 0.6331% | 357 |
| Credit loss provision to net charge-offs | 92.4731% | 2,755 |
| Earnings coverage of net charge-offs (x) | 7.9516% | 2,947 |
| Efficiency ratio | 56.5000% | 5,013 |
| Assets per employee ($millions) | 6.5127% | 1,148 |
| Cash dividends to net income (ytd only)* | 90.0160% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2906% | 411 |
| Loan loss allowance to noncurrent loans | 109.9057% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,346 |
| Noncurrent loans to loans | 2.0842% | 848 |
| Net loans and leases to total assets | 30.5217% | 5,634 |
| Net loans and leases to deposits | 35.8515% | 5,641 |
| Net loans and leases to core deposits | 39.7337% | 5,604 |
| Total domestic deposits to total assets | 85.1337% | 2,987 |
| Equity capital to assets | 14.8356% | 670 |
| Core capital (leverage) ratio | 15.8463% | 482 |
| Tier 1 risk-based capital ratio | 35.4136% | 305 |
| Total risk-based capital ratio | 36.6675% | 303 |
| Memoranda: | ||
| Average total assets | $96,595,000 | 4,416 |
| Average earning assets | $93,463,800 | 4,316 |
| Average equity | $15,304,800 | 3,774 |
| Average total loans | $29,379,000 | 5,214 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 4,446 |
| Cost of funding earning assets | 0.3405% | 3,649 |
| Net interest margin | 3.2947% | 4,203 |
| Noninterest income to average assets | 0.3848% | 4,028 |
| Noninterest expense to average assets | 1.9698% | 5,269 |
| Loan and lease loss provision to assets | 0.1467% | 1,603 |
| Net operating income to assets | 1.3942% | 1,081 |
| Return on assets (ROA) | 1.4022% | 1,118 |
| Pretax return on assets | 1.4645% | 1,833 |
| Return on Equity (ROE) | 8.7094% | 2,658 |
| Retained earnings to average equity (ytd only) | 3.8603% | 3,557 |
| Net charge-offs to loans | 0.5408% | 390 |
| Credit loss provision to net charge-offs | 89.8305% | 2,530 |
| Earnings coverage of net charge-offs (x) | 9.8135% | 2,650 |
| Efficiency ratio | 55.1337% | 5,144 |
| Assets per employee ($millions) | 6.1823% | 1,310 |
| Cash dividends to net income (ytd only)* | 55.6762% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3981% | 380 |
| Loan loss allowance to noncurrent loans | 125.4025% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 2,723 |
| Noncurrent loans to loans | 1.9124% | 1,040 |
| Net loans and leases to total assets | 30.7654% | 5,699 |
| Net loans and leases to deposits | 37.1528% | 5,696 |
| Net loans and leases to core deposits | 41.5489% | 5,645 |
| Total domestic deposits to total assets | 82.8078% | 3,665 |
| Equity capital to assets | 17.0951% | 423 |
| Core capital (leverage) ratio | 16.0051% | 469 |
| Tier 1 risk-based capital ratio | 36.8944% | 294 |
| Total risk-based capital ratio | 38.1500% | 289 |
| Memoranda: | ||
| Average total assets | $96,321,000 | 4,458 |
| Average earning assets | $93,199,250 | 4,358 |
| Average equity | $15,507,750 | 3,784 |
| Average total loans | $29,094,750 | 5,275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,537 |
| Cost of funding earning assets | 0.3346% | 3,748 |
| Net interest margin | 3.2841% | 4,278 |
| Noninterest income to average assets | 0.3671% | 4,127 |
| Noninterest expense to average assets | 1.8787% | 5,494 |
| Loan and lease loss provision to assets | 0.1456% | 1,575 |
| Net operating income to assets | 1.4669% | 948 |
| Return on assets (ROA) | 1.4787% | 976 |
| Pretax return on assets | 1.5361% | 1,564 |
| Return on Equity (ROE) | 9.3681% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.3681% | 753 |
| Net charge-offs to loans | 0.5714% | 364 |
| Credit loss provision to net charge-offs | 85.5422% | 2,310 |
| Earnings coverage of net charge-offs (x) | 9.8072% | 2,379 |
| Efficiency ratio | 52.9480% | 5,389 |
| Assets per employee ($millions) | 6.4237% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 401 |
| Loan loss allowance to noncurrent loans | 136.3813% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,954 |
| Noncurrent loans to loans | 1.7717% | 1,179 |
| Net loans and leases to total assets | 29.3809% | 5,792 |
| Net loans and leases to deposits | 36.0274% | 5,788 |
| Net loans and leases to core deposits | 40.0119% | 5,746 |
| Total domestic deposits to total assets | 81.5516% | 4,127 |
| Equity capital to assets | 16.8035% | 452 |
| Core capital (leverage) ratio | 15.8839% | 478 |
| Tier 1 risk-based capital ratio | 36.2745% | 301 |
| Total risk-based capital ratio | 37.5323% | 299 |
| Memoranda: | ||
| Average total assets | $97,516,670 | 4,462 |
| Average earning assets | $94,455,000 | 4,373 |
| Average equity | $15,392,670 | 3,813 |
| Average total loans | $29,049,330 | 5,328 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 4,615 |
| Cost of funding earning assets | 0.3324% | 3,810 |
| Net interest margin | 3.2655% | 4,342 |
| Noninterest income to average assets | 0.3588% | 4,155 |
| Noninterest expense to average assets | 2.0755% | 5,162 |
| Loan and lease loss provision to assets | 0.1427% | 1,476 |
| Net operating income to assets | 1.3048% | 1,238 |
| Return on assets (ROA) | 1.3293% | 1,269 |
| Pretax return on assets | 1.3293% | 2,188 |
| Return on Equity (ROE) | 8.6971% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.6971% | 1,198 |
| Net charge-offs to loans | 0.4679% | 479 |
| Credit loss provision to net charge-offs | 102.9412% | 1,584 |
| Earnings coverage of net charge-offs (x) | 10.4412% | 1,921 |
| Efficiency ratio | 58.9120% | 4,884 |
| Assets per employee ($millions) | 6.3806% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4733% | 398 |
| Loan loss allowance to noncurrent loans | 117.8512% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,902 |
| Noncurrent loans to loans | 2.0987% | 1,001 |
| Net loans and leases to total assets | 29.3755% | 5,841 |
| Net loans and leases to deposits | 34.9959% | 5,849 |
| Net loans and leases to core deposits | 38.7724% | 5,800 |
| Total domestic deposits to total assets | 83.9399% | 3,545 |
| Equity capital to assets | 15.9995% | 538 |
| Core capital (leverage) ratio | 15.5871% | 524 |
| Tier 1 risk-based capital ratio | 35.7950% | 311 |
| Total risk-based capital ratio | 37.0503% | 309 |
| Memoranda: | ||
| Average total assets | $98,097,500 | 4,497 |
| Average earning assets | $95,054,000 | 4,400 |
| Average equity | $14,993,500 | 3,870 |
| Average total loans | $29,068,500 | 5,374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 4,675 |
| Cost of funding earning assets | 0.3560% | 3,638 |
| Net interest margin | 3.2440% | 4,491 |
| Noninterest income to average assets | 0.3127% | 4,656 |
| Noninterest expense to average assets | 1.9415% | 5,558 |
| Loan and lease loss provision to assets | 0.1217% | 1,971 |
| Net operating income to assets | 1.3475% | 1,160 |
| Return on assets (ROA) | 1.4478% | 982 |
| Pretax return on assets | 1.5252% | 1,479 |
| Return on Equity (ROE) | 9.5358% | 2,204 |
| Retained earnings to average equity (ytd only) | 1.2913% | 4,981 |
| Net charge-offs to loans | 0.3706% | 780 |
| Credit loss provision to net charge-offs | 111.0092% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.0642% | 2,325 |
| Efficiency ratio | 55.7448% | 5,367 |
| Assets per employee ($millions) | 6.6991% | 1,004 |
| Cash dividends to net income (ytd only)* | 86.4583% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4327% | 438 |
| Loan loss allowance to noncurrent loans | 128.9331% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 3,418 |
| Noncurrent loans to loans | 1.8868% | 1,137 |
| Net loans and leases to total assets | 28.4577% | 5,934 |
| Net loans and leases to deposits | 33.3384% | 5,946 |
| Net loans and leases to core deposits | 36.6846% | 5,906 |
| Total domestic deposits to total assets | 85.3601% | 2,921 |
| Equity capital to assets | 14.6030% | 748 |
| Core capital (leverage) ratio | 15.2350% | 577 |
| Tier 1 risk-based capital ratio | 34.1217% | 359 |
| Total risk-based capital ratio | 35.3759% | 351 |
| Memoranda: | ||
| Average total assets | $99,460,800 | 4,469 |
| Average earning assets | $97,193,800 | 4,364 |
| Average equity | $15,101,000 | 3,824 |
| Average total loans | $29,413,800 | 5,384 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,694 |
| Cost of funding earning assets | 0.3637% | 3,616 |
| Net interest margin | 3.2498% | 4,529 |
| Noninterest income to average assets | 0.3064% | 4,746 |
| Noninterest expense to average assets | 1.8802% | 5,666 |
| Loan and lease loss provision to assets | 0.1156% | 1,954 |
| Net operating income to assets | 1.4196% | 1,064 |
| Return on assets (ROA) | 1.5536% | 882 |
| Pretax return on assets | 1.6343% | 1,285 |
| Return on Equity (ROE) | 10.1349% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.6817% | 3,140 |
| Net charge-offs to loans | 0.3487% | 756 |
| Credit loss provision to net charge-offs | 111.6883% | 2,095 |
| Earnings coverage of net charge-offs (x) | 15.5461% | 2,172 |
| Efficiency ratio | 53.8906% | 5,527 |
| Assets per employee ($millions) | 5.6824% | 1,605 |
| Cash dividends to net income (ytd only)* | 53.8062% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 507 |
| Loan loss allowance to noncurrent loans | 102.1583% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 3,083 |
| Noncurrent loans to loans | 2.3453% | 897 |
| Net loans and leases to total assets | 29.9417% | 5,975 |
| Net loans and leases to deposits | 35.6233% | 5,987 |
| Net loans and leases to core deposits | 39.4221% | 5,933 |
| Total domestic deposits to total assets | 84.0509% | 3,401 |
| Equity capital to assets | 15.8715% | 580 |
| Core capital (leverage) ratio | 15.3979% | 573 |
| Tier 1 risk-based capital ratio | 35.2008% | 342 |
| Total risk-based capital ratio | 36.4554% | 343 |
| Memoranda: | ||
| Average total assets | $99,204,500 | 4,526 |
| Average earning assets | $97,153,250 | 4,405 |
| Average equity | $15,207,750 | 3,838 |
| Average total loans | $29,440,000 | 5,444 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 4,803 |
| Cost of funding earning assets | 0.3642% | 3,657 |
| Net interest margin | 3.2063% | 4,644 |
| Noninterest income to average assets | 0.3637% | 4,343 |
| Noninterest expense to average assets | 1.9146% | 5,689 |
| Loan and lease loss provision to assets | 0.1419% | 1,537 |
| Net operating income to assets | 1.3710% | 1,146 |
| Return on assets (ROA) | 1.3710% | 1,192 |
| Pretax return on assets | 1.4569% | 1,778 |
| Return on Equity (ROE) | 9.0464% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.0464% | 909 |
| Net charge-offs to loans | 0.3472% | 755 |
| Credit loss provision to net charge-offs | 139.2157% | 1,614 |
| Earnings coverage of net charge-offs (x) | 15.6863% | 1,958 |
| Efficiency ratio | 54.4937% | 5,547 |
| Assets per employee ($millions) | 5.8016% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4726% | 502 |
| Loan loss allowance to noncurrent loans | 114.9920% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 3,334 |
| Noncurrent loans to loans | 2.1502% | 1,118 |
| Net loans and leases to total assets | 28.8346% | 6,072 |
| Net loans and leases to deposits | 34.0509% | 6,083 |
| Net loans and leases to core deposits | 38.1092% | 6,020 |
| Total domestic deposits to total assets | 84.6808% | 3,256 |
| Equity capital to assets | 15.2634% | 654 |
| Core capital (leverage) ratio | 15.2438% | 582 |
| Tier 1 risk-based capital ratio | 37.1318% | 309 |
| Total risk-based capital ratio | 38.3890% | 307 |
| Memoranda: | ||
| Average total assets | $100,072,330 | 4,552 |
| Average earning assets | $98,306,000 | 4,413 |
| Average equity | $15,166,330 | 3,861 |
| Average total loans | $29,375,330 | 5,498 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5827% | 4,746 |
| Cost of funding earning assets | 0.3635% | 3,710 |
| Net interest margin | 3.2192% | 4,535 |
| Noninterest income to average assets | 0.3849% | 4,123 |
| Noninterest expense to average assets | 2.0041% | 5,572 |
| Loan and lease loss provision to assets | 0.1389% | 1,481 |
| Net operating income to assets | 1.3731% | 1,080 |
| Return on assets (ROA) | 1.3731% | 1,142 |
| Pretax return on assets | 1.4048% | 1,872 |
| Return on Equity (ROE) | 9.0918% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.0918% | 1,167 |
| Net charge-offs to loans | 0.3392% | 721 |
| Credit loss provision to net charge-offs | 140.0000% | 1,307 |
| Earnings coverage of net charge-offs (x) | 15.5600% | 1,617 |
| Efficiency ratio | 56.4877% | 5,481 |
| Assets per employee ($millions) | 5.8758% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4617% | 558 |
| Loan loss allowance to noncurrent loans | 119.6970% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,562 |
| Noncurrent loans to loans | 2.0566% | 1,262 |
| Net loans and leases to total assets | 28.2026% | 6,125 |
| Net loans and leases to deposits | 33.4326% | 6,130 |
| Net loans and leases to core deposits | 37.3784% | 6,066 |
| Total domestic deposits to total assets | 84.3565% | 3,675 |
| Equity capital to assets | 15.5604% | 611 |
| Core capital (leverage) ratio | 14.6981% | 654 |
| Tier 1 risk-based capital ratio | 36.0062% | 334 |
| Total risk-based capital ratio | 37.2611% | 331 |
| Memoranda: | ||
| Average total assets | $100,794,500 | 4,578 |
| Average earning assets | $99,031,500 | 4,428 |
| Average equity | $15,222,500 | 3,883 |
| Average total loans | $29,483,000 | 5,538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,659 |
| Cost of funding earning assets | 0.4276% | 3,412 |
| Net interest margin | 3.3168% | 4,518 |
| Noninterest income to average assets | 0.4308% | 3,964 |
| Noninterest expense to average assets | 1.8585% | 5,994 |
| Loan and lease loss provision to assets | 0.2012% | 1,261 |
| Net operating income to assets | 1.5690% | 756 |
| Return on assets (ROA) | 1.5690% | 789 |
| Pretax return on assets | 1.6289% | 1,153 |
| Return on Equity (ROE) | 11.0486% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.6760% | 3,607 |
| Net charge-offs to loans | 0.6783% | 553 |
| Credit loss provision to net charge-offs | 100.4902% | 2,377 |
| Earnings coverage of net charge-offs (x) | 9.1422% | 2,787 |
| Efficiency ratio | 50.3857% | 6,073 |
| Assets per employee ($millions) | 5.9824% | 1,389 |
| Cash dividends to net income (ytd only)* | 66.7292% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3301% | 693 |
| Loan loss allowance to noncurrent loans | 110.3937% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 3,679 |
| Noncurrent loans to loans | 2.1108% | 1,294 |
| Net loans and leases to total assets | 28.8916% | 6,210 |
| Net loans and leases to deposits | 33.8768% | 6,221 |
| Net loans and leases to core deposits | 37.6261% | 6,162 |
| Total domestic deposits to total assets | 85.2843% | 3,171 |
| Equity capital to assets | 14.6528% | 772 |
| Core capital (leverage) ratio | 14.6238% | 676 |
| Tier 1 risk-based capital ratio | 34.0297% | 368 |
| Total risk-based capital ratio | 35.2837% | 363 |
| Memoranda: | ||
| Average total assets | $101,910,400 | 4,548 |
| Average earning assets | $100,095,400 | 4,390 |
| Average equity | $14,472,400 | 3,943 |
| Average total loans | $30,073,600 | 5,561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,621 |
| Cost of funding earning assets | 0.4420% | 3,348 |
| Net interest margin | 3.3377% | 4,478 |
| Noninterest income to average assets | 0.4446% | 3,927 |
| Noninterest expense to average assets | 1.7705% | 6,129 |
| Loan and lease loss provision to assets | 0.1216% | 2,054 |
| Net operating income to assets | 1.7705% | 536 |
| Return on assets (ROA) | 1.7705% | 552 |
| Pretax return on assets | 1.8307% | 833 |
| Return on Equity (ROE) | 12.5673% | 1,330 |
| Retained earnings to average equity (ytd only) | 7.6202% | 1,522 |
| Net charge-offs to loans | 0.4035% | 979 |
| Credit loss provision to net charge-offs | 102.1978% | 2,159 |
| Earnings coverage of net charge-offs (x) | 16.4067% | 1,975 |
| Efficiency ratio | 47.5588% | 6,222 |
| Assets per employee ($millions) | 6.1435% | 1,235 |
| Cash dividends to net income (ytd only)* | 39.3649% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 761 |
| Loan loss allowance to noncurrent loans | 128.1022% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 4,088 |
| Noncurrent loans to loans | 1.8508% | 1,726 |
| Net loans and leases to total assets | 29.4081% | 6,273 |
| Net loans and leases to deposits | 34.6869% | 6,279 |
| Net loans and leases to core deposits | 38.6576% | 6,221 |
| Total domestic deposits to total assets | 84.7817% | 3,429 |
| Equity capital to assets | 15.1430% | 709 |
| Core capital (leverage) ratio | 14.6261% | 692 |
| Tier 1 risk-based capital ratio | 33.0349% | 413 |
| Total risk-based capital ratio | 34.2886% | 405 |
| Memoranda: | ||
| Average total assets | $101,962,750 | 4,603 |
| Average earning assets | $100,145,500 | 4,430 |
| Average equity | $14,365,000 | 3,990 |
| Average total loans | $30,071,000 | 5,615 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,641 |
| Cost of funding earning assets | 0.4567% | 3,244 |
| Net interest margin | 3.3079% | 4,554 |
| Noninterest income to average assets | 0.4652% | 3,747 |
| Noninterest expense to average assets | 1.7154% | 6,251 |
| Loan and lease loss provision to assets | 0.1589% | 1,567 |
| Net operating income to assets | 1.7755% | 508 |
| Return on assets (ROA) | 1.7755% | 532 |
| Pretax return on assets | 1.8336% | 789 |
| Return on Equity (ROE) | 12.9090% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.3975% | 2,699 |
| Net charge-offs to loans | 0.5360% | 759 |
| Credit loss provision to net charge-offs | 101.2346% | 1,967 |
| Earnings coverage of net charge-offs (x) | 12.6914% | 2,041 |
| Efficiency ratio | 46.2624% | 6,354 |
| Assets per employee ($millions) | 6.9591% | 814 |
| Cash dividends to net income (ytd only)* | 58.1878% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3430% | 858 |
| Loan loss allowance to noncurrent loans | 153.0568% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 4,550 |
| Noncurrent loans to loans | 1.5308% | 2,269 |
| Net loans and leases to total assets | 27.9901% | 6,361 |
| Net loans and leases to deposits | 33.0035% | 6,366 |
| Net loans and leases to core deposits | 36.5353% | 6,317 |
| Total domestic deposits to total assets | 84.8094% | 3,601 |
| Equity capital to assets | 13.8695% | 1,029 |
| Core capital (leverage) ratio | 13.8470% | 874 |
| Tier 1 risk-based capital ratio | 30.9666% | 485 |
| Total risk-based capital ratio | 32.2206% | 479 |
| Memoranda: | ||
| Average total assets | $103,185,000 | 4,601 |
| Average earning assets | $101,151,000 | 4,434 |
| Average equity | $14,191,670 | 4,014 |
| Average total loans | $30,225,000 | 5,652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,604 |
| Cost of funding earning assets | 0.4783% | 3,135 |
| Net interest margin | 3.2923% | 4,573 |
| Noninterest income to average assets | 0.5654% | 2,948 |
| Noninterest expense to average assets | 1.7313% | 6,305 |
| Loan and lease loss provision to assets | 0.0195% | 3,570 |
| Net operating income to assets | 2.0354% | 322 |
| Return on assets (ROA) | 2.0354% | 334 |
| Pretax return on assets | 2.0354% | 499 |
| Return on Equity (ROE) | 14.8628% | 800 |
| Retained earnings to average equity (ytd only) | 14.8628% | 334 |
| Net charge-offs to loans | 0.0263% | 3,044 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 263.5000% | 179 |
| Efficiency ratio | 45.7261% | 6,439 |
| Assets per employee ($millions) | 6.8317% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 969 |
| Loan loss allowance to noncurrent loans | 117.9530% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 4,337 |
| Noncurrent loans to loans | 1.9896% | 1,880 |
| Net loans and leases to total assets | 28.5465% | 6,400 |
| Net loans and leases to deposits | 33.2300% | 6,392 |
| Net loans and leases to core deposits | 37.0413% | 6,334 |
| Total domestic deposits to total assets | 85.9058% | 3,413 |
| Equity capital to assets | 14.0259% | 912 |
| Core capital (leverage) ratio | 14.1924% | 760 |
| Tier 1 risk-based capital ratio | 31.5636% | 462 |
| Total risk-based capital ratio | 32.8165% | 458 |
| Memoranda: | ||
| Average total assets | $102,584,000 | 4,663 |
| Average earning assets | $100,356,000 | 4,498 |
| Average equity | $14,048,500 | 4,037 |
| Average total loans | $30,378,000 | 5,701 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 5,198 |
| Cost of funding earning assets | 0.5624% | 2,999 |
| Net interest margin | 3.1160% | 5,267 |
| Noninterest income to average assets | 0.3776% | 4,605 |
| Noninterest expense to average assets | 1.8819% | 6,212 |
| Loan and lease loss provision to assets | 0.0743% | 3,630 |
| Net operating income to assets | 1.4115% | 1,001 |
| Return on assets (ROA) | 1.4260% | 1,014 |
| Pretax return on assets | 1.4853% | 1,494 |
| Return on Equity (ROE) | 9.8663% | 2,164 |
| Retained earnings to average equity (ytd only) | 2.1956% | 4,687 |
| Net charge-offs to loans | 0.2393% | 2,541 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.7838% | 1,524 |
| Efficiency ratio | 54.9238% | 6,057 |
| Assets per employee ($millions) | 6.8462% | 829 |
| Cash dividends to net income (ytd only)* | 77.7465% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,076 |
| Loan loss allowance to noncurrent loans | 120.4819% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 4,468 |
| Noncurrent loans to loans | 1.8864% | 2,131 |
| Net loans and leases to total assets | 29.3107% | 6,487 |
| Net loans and leases to deposits | 33.8571% | 6,490 |
| Net loans and leases to core deposits | 37.9361% | 6,419 |
| Total domestic deposits to total assets | 86.5716% | 2,958 |
| Equity capital to assets | 13.3641% | 1,115 |
| Core capital (leverage) ratio | 14.1262% | 794 |
| Tier 1 risk-based capital ratio | 29.9370% | 502 |
| Total risk-based capital ratio | 31.1909% | 498 |
| Memoranda: | ||
| Average total assets | $99,578,800 | 4,750 |
| Average earning assets | $97,433,200 | 4,583 |
| Average equity | $14,392,400 | 3,989 |
| Average total loans | $30,919,200 | 5,715 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 5,292 |
| Cost of funding earning assets | 0.5832% | 2,968 |
| Net interest margin | 3.0702% | 5,399 |
| Noninterest income to average assets | 0.3752% | 4,707 |
| Noninterest expense to average assets | 1.8394% | 6,284 |
| Loan and lease loss provision to assets | 0.0918% | 3,237 |
| Net operating income to assets | 1.4133% | 1,077 |
| Return on assets (ROA) | 1.4332% | 1,077 |
| Pretax return on assets | 1.4696% | 1,702 |
| Return on Equity (ROE) | 9.7253% | 2,294 |
| Retained earnings to average equity (ytd only) | 4.6704% | 3,344 |
| Net charge-offs to loans | 0.2800% | 2,148 |
| Credit loss provision to net charge-offs | 104.6154% | 2,237 |
| Earnings coverage of net charge-offs (x) | 17.5702% | 1,728 |
| Efficiency ratio | 54.4112% | 6,069 |
| Assets per employee ($millions) | 6.4030% | 971 |
| Cash dividends to net income (ytd only)* | 51.9775% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3007% | 1,185 |
| Loan loss allowance to noncurrent loans | 156.5702% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 4,962 |
| Noncurrent loans to loans | 1.4694% | 2,964 |
| Net loans and leases to total assets | 31.0823% | 6,488 |
| Net loans and leases to deposits | 36.6362% | 6,481 |
| Net loans and leases to core deposits | 41.2169% | 6,412 |
| Total domestic deposits to total assets | 84.8404% | 3,820 |
| Equity capital to assets | 14.5588% | 807 |
| Core capital (leverage) ratio | 14.4943% | 738 |
| Tier 1 risk-based capital ratio | 31.4246% | 460 |
| Total risk-based capital ratio | 32.6787% | 451 |
| Memoranda: | ||
| Average total assets | $98,800,250 | 4,815 |
| Average earning assets | $96,713,500 | 4,652 |
| Average equity | $14,559,500 | 3,996 |
| Average total loans | $30,949,000 | 5,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 5,414 |
| Cost of funding earning assets | 0.6024% | 2,912 |
| Net interest margin | 3.0036% | 5,565 |
| Noninterest income to average assets | 0.3390% | 4,963 |
| Noninterest expense to average assets | 1.8452% | 6,300 |
| Loan and lease loss provision to assets | 0.1243% | 2,766 |
| Net operating income to assets | 1.2800% | 1,374 |
| Return on assets (ROA) | 1.2997% | 1,410 |
| Pretax return on assets | 1.3297% | 2,192 |
| Return on Equity (ROE) | 8.7854% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.7854% | 1,187 |
| Net charge-offs to loans | 0.3539% | 1,781 |
| Credit loss provision to net charge-offs | 112.7273% | 1,962 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,932 |
| Efficiency ratio | 56.2691% | 5,938 |
| Assets per employee ($millions) | 6.5745% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 1,269 |
| Loan loss allowance to noncurrent loans | 165.5738% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 5,128 |
| Noncurrent loans to loans | 1.3857% | 3,224 |
| Net loans and leases to total assets | 30.5302% | 6,559 |
| Net loans and leases to deposits | 36.2961% | 6,546 |
| Net loans and leases to core deposits | 40.7631% | 6,439 |
| Total domestic deposits to total assets | 84.1143% | 4,270 |
| Equity capital to assets | 14.7277% | 778 |
| Core capital (leverage) ratio | 14.3553% | 734 |
| Tier 1 risk-based capital ratio | 31.3014% | 464 |
| Total risk-based capital ratio | 32.5559% | 459 |
| Memoranda: | ||
| Average total assets | $99,718,670 | 4,827 |
| Average earning assets | $97,616,330 | 4,656 |
| Average equity | $14,751,670 | 3,997 |
| Average total loans | $31,080,000 | 5,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 5,410 |
| Cost of funding earning assets | 0.6325% | 2,820 |
| Net interest margin | 2.9830% | 5,618 |
| Noninterest income to average assets | 0.3231% | 5,116 |
| Noninterest expense to average assets | 1.9029% | 6,271 |
| Loan and lease loss provision to assets | 0.0439% | 3,867 |
| Net operating income to assets | 1.2925% | 1,296 |
| Return on assets (ROA) | 1.3125% | 1,353 |
| Pretax return on assets | 1.3125% | 2,187 |
| Return on Equity (ROE) | 8.8527% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.8527% | 1,434 |
| Net charge-offs to loans | 0.1282% | 2,641 |
| Credit loss provision to net charge-offs | 110.0000% | 1,693 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 902 |
| Efficiency ratio | 58.7438% | 5,748 |
| Assets per employee ($millions) | 6.5873% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2909% | 1,424 |
| Loan loss allowance to noncurrent loans | 131.5197% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 5,015 |
| Noncurrent loans to loans | 1.7419% | 2,940 |
| Net loans and leases to total assets | 30.2581% | 6,597 |
| Net loans and leases to deposits | 35.6940% | 6,584 |
| Net loans and leases to core deposits | 40.3090% | 6,468 |
| Total domestic deposits to total assets | 84.7708% | 4,149 |
| Equity capital to assets | 15.1128% | 729 |
| Core capital (leverage) ratio | 14.0471% | 789 |
| Tier 1 risk-based capital ratio | 30.7623% | 500 |
| Total risk-based capital ratio | 32.0168% | 493 |
| Memoranda: | ||
| Average total assets | $100,269,500 | 4,863 |
| Average earning assets | $98,022,500 | 4,685 |
| Average equity | $14,865,500 | 4,021 |
| Average total loans | $31,212,500 | 5,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 2,060 |
| Cost of funding earning assets | 0.7921% | 2,730 |
| Net interest margin | 4.0477% | 2,209 |
| Noninterest income to average assets | 0.2962% | 5,350 |
| Noninterest expense to average assets | 2.6871% | 4,446 |
| Loan and lease loss provision to assets | 0.4378% | 1,452 |
| Net operating income to assets | 1.0757% | 2,034 |
| Return on assets (ROA) | 1.3451% | 1,329 |
| Pretax return on assets | 1.3985% | 2,045 |
| Return on Equity (ROE) | 8.9798% | 2,644 |
| Retained earnings to average equity (ytd only) | 2.3012% | 4,617 |
| Net charge-offs to loans | 0.9326% | 1,196 |
| Credit loss provision to net charge-offs | 147.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 5.2733% | 3,087 |
| Efficiency ratio | 63.1665% | 5,045 |
| Assets per employee ($millions) | 6.3581% | 1,064 |
| Cash dividends to net income (ytd only)* | 74.3741% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 1,550 |
| Loan loss allowance to noncurrent loans | 113.4522% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 4,861 |
| Noncurrent loans to loans | 1.9387% | 2,761 |
| Net loans and leases to total assets | 30.5970% | 6,680 |
| Net loans and leases to deposits | 35.8582% | 6,683 |
| Net loans and leases to core deposits | 40.3093% | 6,603 |
| Total domestic deposits to total assets | 85.3277% | 3,699 |
| Equity capital to assets | 14.5465% | 858 |
| Core capital (leverage) ratio | 13.8300% | 843 |
| Tier 1 risk-based capital ratio | 29.3592% | 542 |
| Total risk-based capital ratio | 30.6129% | 534 |
| Memoranda: | ||
| Average total assets | $100,962,000 | 4,811 |
| Average earning assets | $98,723,200 | 4,621 |
| Average equity | $15,122,800 | 3,939 |
| Average total loans | $32,168,600 | 5,844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 1,970 |
| Cost of funding earning assets | 0.8342% | 2,676 |
| Net interest margin | 4.0762% | 2,189 |
| Noninterest income to average assets | 0.2673% | 5,643 |
| Noninterest expense to average assets | 2.6065% | 4,720 |
| Loan and lease loss provision to assets | 0.4790% | 1,289 |
| Net operating income to assets | 1.1088% | 2,056 |
| Return on assets (ROA) | 1.4686% | 1,202 |
| Pretax return on assets | 1.5242% | 1,795 |
| Return on Equity (ROE) | 9.7340% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.7878% | 2,847 |
| Net charge-offs to loans | 1.1161% | 905 |
| Credit loss provision to net charge-offs | 134.0741% | 2,147 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 3,257 |
| Efficiency ratio | 61.3325% | 5,255 |
| Assets per employee ($millions) | 6.1148% | 1,176 |
| Cash dividends to net income (ytd only)* | 40.5410% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 2,122 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,036 |
| Noncurrent loans to loans | 1.5323% | 3,492 |
| Net loans and leases to total assets | 32.2874% | 6,734 |
| Net loans and leases to deposits | 38.3734% | 6,741 |
| Net loans and leases to core deposits | 43.5794% | 6,615 |
| Total domestic deposits to total assets | 84.1399% | 4,155 |
| Equity capital to assets | 15.6822% | 669 |
| Core capital (leverage) ratio | 13.9974% | 833 |
| Tier 1 risk-based capital ratio | 30.0956% | 528 |
| Total risk-based capital ratio | 31.3479% | 518 |
| Memoranda: | ||
| Average total assets | $100,770,250 | 4,860 |
| Average earning assets | $98,455,750 | 4,680 |
| Average equity | $15,204,000 | 3,954 |
| Average total loans | $32,254,250 | 5,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 2,164 |
| Cost of funding earning assets | 0.8695% | 2,662 |
| Net interest margin | 4.0175% | 2,428 |
| Noninterest income to average assets | 0.1612% | 6,377 |
| Noninterest expense to average assets | 2.5848% | 4,827 |
| Loan and lease loss provision to assets | 0.5504% | 1,119 |
| Net operating income to assets | 0.8944% | 2,939 |
| Return on assets (ROA) | 1.4290% | 1,266 |
| Pretax return on assets | 1.4841% | 1,900 |
| Return on Equity (ROE) | 9.5925% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.5925% | 1,085 |
| Net charge-offs to loans | 1.4197% | 716 |
| Credit loss provision to net charge-offs | 122.2707% | 2,246 |
| Earnings coverage of net charge-offs (x) | 3.3319% | 3,417 |
| Efficiency ratio | 63.2820% | 5,032 |
| Assets per employee ($millions) | 6.3432% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 2,609 |
| Loan loss allowance to noncurrent loans | 92.4127% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 4,746 |
| Noncurrent loans to loans | 2.0372% | 2,907 |
| Net loans and leases to total assets | 31.2737% | 6,840 |
| Net loans and leases to deposits | 36.9418% | 6,843 |
| Net loans and leases to core deposits | 41.4544% | 6,753 |
| Total domestic deposits to total assets | 84.6568% | 4,029 |
| Equity capital to assets | 15.1541% | 742 |
| Core capital (leverage) ratio | 13.7407% | 888 |
| Tier 1 risk-based capital ratio | 29.9564% | 522 |
| Total risk-based capital ratio | 31.2076% | 514 |
| Memoranda: | ||
| Average total assets | $101,748,000 | 4,860 |
| Average earning assets | $99,365,000 | 4,682 |
| Average equity | $15,157,670 | 3,957 |
| Average total loans | $32,259,330 | 5,953 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 2,226 |
| Cost of funding earning assets | 0.9171% | 2,550 |
| Net interest margin | 3.9862% | 2,565 |
| Noninterest income to average assets | 0.4633% | 4,200 |
| Noninterest expense to average assets | 2.6542% | 4,602 |
| Loan and lease loss provision to assets | 0.3180% | 1,969 |
| Net operating income to assets | 1.3821% | 1,252 |
| Return on assets (ROA) | 2.4500% | 239 |
| Pretax return on assets | 2.4500% | 359 |
| Return on Equity (ROE) | 16.5886% | 733 |
| Retained earnings to average equity (ytd only) | 16.5886% | 330 |
| Net charge-offs to loans | -0.0248% | 6,257 |
| Credit loss provision to net charge-offs | -4,050.0000% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9558% | 5,463 |
| Assets per employee ($millions) | 6.7821% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0056% | 2,334 |
| Loan loss allowance to noncurrent loans | 75.6789% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 4,379 |
| Noncurrent loans to loans | 2.6501% | 2,454 |
| Net loans and leases to total assets | 30.7868% | 6,875 |
| Net loans and leases to deposits | 36.3636% | 6,878 |
| Net loans and leases to core deposits | 40.3983% | 6,804 |
| Total domestic deposits to total assets | 84.6636% | 4,180 |
| Equity capital to assets | 15.1044% | 731 |
| Core capital (leverage) ratio | 13.7058% | 876 |
| Tier 1 risk-based capital ratio | 29.7119% | 535 |
| Total risk-based capital ratio | 30.9642% | 525 |
| Memoranda: | ||
| Average total assets | $101,876,500 | 4,893 |
| Average earning assets | $99,444,000 | 4,710 |
| Average equity | $15,046,500 | 3,982 |
| Average total loans | $32,214,500 | 5,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 2,154 |
| Cost of funding earning assets | 1.0946% | 2,706 |
| Net interest margin | 4.0840% | 2,508 |
| Noninterest income to average assets | 0.1983% | 6,085 |
| Noninterest expense to average assets | 2.4719% | 5,563 |
| Loan and lease loss provision to assets | 0.3312% | 3,038 |
| Net operating income to assets | 1.2977% | 1,255 |
| Return on assets (ROA) | 1.3320% | 1,261 |
| Pretax return on assets | 1.3862% | 1,821 |
| Return on Equity (ROE) | 9.1077% | 2,402 |
| Retained earnings to average equity (ytd only) | 1.3840% | 5,198 |
| Net charge-offs to loans | 0.8053% | 2,146 |
| Credit loss provision to net charge-offs | 121.3483% | 2,610 |
| Earnings coverage of net charge-offs (x) | 6.1610% | 2,577 |
| Efficiency ratio | 59.5127% | 5,831 |
| Assets per employee ($millions) | 6.8014% | 817 |
| Cash dividends to net income (ytd only)* | 84.8043% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 3,131 |
| Loan loss allowance to noncurrent loans | 72.4675% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 4,616 |
| Noncurrent loans to loans | 2.3716% | 2,761 |
| Net loans and leases to total assets | 31.2779% | 6,962 |
| Net loans and leases to deposits | 36.6541% | 6,983 |
| Net loans and leases to core deposits | 40.1086% | 6,940 |
| Total domestic deposits to total assets | 85.3324% | 3,673 |
| Equity capital to assets | 14.4353% | 919 |
| Core capital (leverage) ratio | 13.4256% | 995 |
| Tier 1 risk-based capital ratio | 27.6974% | 644 |
| Total risk-based capital ratio | 28.8551% | 643 |
| Memoranda: | ||
| Average total assets | $97,820,600 | 4,954 |
| Average earning assets | $94,736,600 | 4,788 |
| Average equity | $14,306,600 | 4,046 |
| Average total loans | $33,156,600 | 6,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 2,037 |
| Cost of funding earning assets | 1.1373% | 2,712 |
| Net interest margin | 4.1116% | 2,429 |
| Noninterest income to average assets | 0.3252% | 5,266 |
| Noninterest expense to average assets | 2.3547% | 5,895 |
| Loan and lease loss provision to assets | 0.3334% | 2,878 |
| Net operating income to assets | 1.5684% | 820 |
| Return on assets (ROA) | 1.5845% | 867 |
| Pretax return on assets | 1.6286% | 1,309 |
| Return on Equity (ROE) | 10.7967% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.7967% | 665 |
| Net charge-offs to loans | 0.5841% | 2,502 |
| Credit loss provision to net charge-offs | 165.7534% | 1,837 |
| Earnings coverage of net charge-offs (x) | 9.6713% | 2,016 |
| Efficiency ratio | 54.7581% | 6,418 |
| Assets per employee ($millions) | 6.1564% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,856 |
| Loan loss allowance to noncurrent loans | 92.9907% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 4,615 |
| Noncurrent loans to loans | 1.9602% | 3,415 |
| Net loans and leases to total assets | 32.6437% | 7,007 |
| Net loans and leases to deposits | 38.5926% | 7,019 |
| Net loans and leases to core deposits | 42.6612% | 6,961 |
| Total domestic deposits to total assets | 84.5852% | 3,973 |
| Equity capital to assets | 15.1549% | 811 |
| Core capital (leverage) ratio | 13.7235% | 980 |
| Tier 1 risk-based capital ratio | 28.0974% | 648 |
| Total risk-based capital ratio | 29.3472% | 639 |
| Memoranda: | ||
| Average total assets | $96,770,500 | 5,014 |
| Average earning assets | $93,554,500 | 4,858 |
| Average equity | $14,201,500 | 4,090 |
| Average total loans | $33,328,750 | 6,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 2,055 |
| Cost of funding earning assets | 1.1696% | 2,777 |
| Net interest margin | 4.0838% | 2,476 |
| Noninterest income to average assets | 0.4013% | 4,672 |
| Noninterest expense to average assets | 2.4014% | 5,839 |
| Loan and lease loss provision to assets | 0.3306% | 2,799 |
| Net operating income to assets | 1.5888% | 749 |
| Return on assets (ROA) | 1.6030% | 772 |
| Pretax return on assets | 1.6405% | 1,177 |
| Return on Equity (ROE) | 11.0464% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.0464% | 657 |
| Net charge-offs to loans | 0.5608% | 2,426 |
| Credit loss provision to net charge-offs | 169.1489% | 1,784 |
| Earnings coverage of net charge-offs (x) | 10.0106% | 1,858 |
| Efficiency ratio | 55.1050% | 6,495 |
| Assets per employee ($millions) | 6.0122% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 3,238 |
| Loan loss allowance to noncurrent loans | 82.9912% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 4,537 |
| Noncurrent loans to loans | 2.0809% | 3,373 |
| Net loans and leases to total assets | 33.4830% | 7,062 |
| Net loans and leases to deposits | 39.6560% | 7,074 |
| Net loans and leases to core deposits | 43.6714% | 7,018 |
| Total domestic deposits to total assets | 84.4337% | 4,157 |
| Equity capital to assets | 15.2825% | 755 |
| Core capital (leverage) ratio | 13.3377% | 1,051 |
| Tier 1 risk-based capital ratio | 27.5706% | 692 |
| Total risk-based capital ratio | 28.7795% | 677 |
| Memoranda: | ||
| Average total assets | $96,193,000 | 5,069 |
| Average earning assets | $93,196,670 | 4,903 |
| Average equity | $13,959,330 | 4,131 |
| Average total loans | $33,521,000 | 6,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 2,255 |
| Cost of funding earning assets | 1.1917% | 2,875 |
| Net interest margin | 3.9994% | 2,680 |
| Noninterest income to average assets | 0.4366% | 4,396 |
| Noninterest expense to average assets | 2.4285% | 5,798 |
| Loan and lease loss provision to assets | 0.3493% | 2,466 |
| Net operating income to assets | 1.5386% | 802 |
| Return on assets (ROA) | 1.5386% | 841 |
| Pretax return on assets | 1.5386% | 1,328 |
| Return on Equity (ROE) | 10.8916% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.8916% | 921 |
| Net charge-offs to loans | 0.3894% | 2,520 |
| Credit loss provision to net charge-offs | 254.5455% | 1,226 |
| Earnings coverage of net charge-offs (x) | 13.7576% | 1,412 |
| Efficiency ratio | 56.2620% | 6,479 |
| Assets per employee ($millions) | 5.9578% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,476 |
| Loan loss allowance to noncurrent loans | 59.2275% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 4,459 |
| Noncurrent loans to loans | 2.8070% | 2,692 |
| Net loans and leases to total assets | 34.2523% | 7,085 |
| Net loans and leases to deposits | 40.1587% | 7,095 |
| Net loans and leases to core deposits | 44.3525% | 7,029 |
| Total domestic deposits to total assets | 85.2924% | 3,888 |
| Equity capital to assets | 14.4369% | 899 |
| Core capital (leverage) ratio | 13.0826% | 1,101 |
| Tier 1 risk-based capital ratio | 26.5925% | 736 |
| Total risk-based capital ratio | 27.7662% | 727 |
| Memoranda: | ||
| Average total assets | $96,192,000 | 5,103 |
| Average earning assets | $93,314,000 | 4,933 |
| Average equity | $13,588,500 | 4,191 |
| Average total loans | $33,894,000 | 6,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 1,947 |
| Cost of funding earning assets | 1.5093% | 2,582 |
| Net interest margin | 4.0778% | 2,671 |
| Noninterest income to average assets | 0.4937% | 4,215 |
| Noninterest expense to average assets | 2.4388% | 5,979 |
| Loan and lease loss provision to assets | 0.4240% | 3,565 |
| Net operating income to assets | 1.5166% | 734 |
| Return on assets (ROA) | 1.5166% | 798 |
| Pretax return on assets | 1.5731% | 1,199 |
| Return on Equity (ROE) | 9.9710% | 1,937 |
| Retained earnings to average equity (ytd only) | 0.5459% | 5,304 |
| Net charge-offs to loans | 0.8674% | 2,462 |
| Credit loss provision to net charge-offs | 123.5484% | 3,350 |
| Earnings coverage of net charge-offs (x) | 5.8194% | 2,530 |
| Efficiency ratio | 54.9788% | 6,717 |
| Assets per employee ($millions) | 6.0662% | 1,171 |
| Cash dividends to net income (ytd only)* | 94.5255% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,290 |
| Loan loss allowance to noncurrent loans | 46.1751% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,379 |
| Noncurrent loans to loans | 3.1372% | 2,430 |
| Net loans and leases to total assets | 35.1168% | 7,194 |
| Net loans and leases to deposits | 40.8843% | 7,221 |
| Net loans and leases to core deposits | 44.8710% | 7,172 |
| Total domestic deposits to total assets | 85.8931% | 3,415 |
| Equity capital to assets | 13.8215% | 1,093 |
| Core capital (leverage) ratio | 12.9020% | 1,159 |
| Tier 1 risk-based capital ratio | 24.9954% | 848 |
| Total risk-based capital ratio | 26.0271% | 846 |
| Memoranda: | ||
| Average total assets | $90,332,200 | 5,278 |
| Average earning assets | $87,325,800 | 5,105 |
| Average equity | $13,739,800 | 4,201 |
| Average total loans | $35,738,600 | 6,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 1,788 |
| Cost of funding earning assets | 1.5777% | 2,524 |
| Net interest margin | 4.0991% | 2,624 |
| Noninterest income to average assets | 0.5550% | 3,755 |
| Noninterest expense to average assets | 2.3327% | 6,225 |
| Loan and lease loss provision to assets | 0.3820% | 3,597 |
| Net operating income to assets | 1.7401% | 576 |
| Return on assets (ROA) | 1.7401% | 628 |
| Pretax return on assets | 1.7988% | 928 |
| Return on Equity (ROE) | 11.1615% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.9103% | 3,051 |
| Net charge-offs to loans | 0.3405% | 3,944 |
| Credit loss provision to net charge-offs | 276.0870% | 1,187 |
| Earnings coverage of net charge-offs (x) | 15.7614% | 1,423 |
| Efficiency ratio | 51.6828% | 7,013 |
| Assets per employee ($millions) | 5.7230% | 1,442 |
| Cash dividends to net income (ytd only)* | 56.0069% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,357 |
| Loan loss allowance to noncurrent loans | 85.2814% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 5,073 |
| Noncurrent loans to loans | 1.9265% | 3,773 |
| Net loans and leases to total assets | 38.6390% | 7,155 |
| Net loans and leases to deposits | 45.9482% | 7,176 |
| Net loans and leases to core deposits | 50.6188% | 7,098 |
| Total domestic deposits to total assets | 84.0927% | 4,071 |
| Equity capital to assets | 15.5797% | 752 |
| Core capital (leverage) ratio | 13.8179% | 959 |
| Tier 1 risk-based capital ratio | 26.1080% | 765 |
| Total risk-based capital ratio | 27.3354% | 753 |
| Memoranda: | ||
| Average total assets | $88,650,500 | 5,393 |
| Average earning assets | $85,609,500 | 5,217 |
| Average equity | $13,821,000 | 4,247 |
| Average total loans | $36,027,000 | 6,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 1,800 |
| Cost of funding earning assets | 1.5858% | 2,740 |
| Net interest margin | 4.1052% | 2,532 |
| Noninterest income to average assets | 0.5725% | 3,525 |
| Noninterest expense to average assets | 2.2879% | 6,387 |
| Loan and lease loss provision to assets | 0.3855% | 3,406 |
| Net operating income to assets | 1.8135% | 473 |
| Return on assets (ROA) | 1.8135% | 513 |
| Pretax return on assets | 1.8614% | 795 |
| Return on Equity (ROE) | 11.6290% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.6290% | 545 |
| Net charge-offs to loans | 0.1110% | 5,048 |
| Credit loss provision to net charge-offs | 845.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 600 |
| Efficiency ratio | 50.4527% | 7,198 |
| Assets per employee ($millions) | 5.6290% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 3,473 |
| Loan loss allowance to noncurrent loans | 94.4354% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 5,232 |
| Noncurrent loans to loans | 1.6881% | 4,156 |
| Net loans and leases to total assets | 39.5474% | 7,192 |
| Net loans and leases to deposits | 47.2525% | 7,195 |
| Net loans and leases to core deposits | 52.0275% | 7,137 |
| Total domestic deposits to total assets | 83.6938% | 4,249 |
| Equity capital to assets | 15.9809% | 671 |
| Core capital (leverage) ratio | 14.3695% | 842 |
| Tier 1 risk-based capital ratio | 26.5987% | 728 |
| Total risk-based capital ratio | 27.7924% | 721 |
| Memoranda: | ||
| Average total assets | $87,678,000 | 5,461 |
| Average earning assets | $84,624,000 | 5,277 |
| Average equity | $13,672,670 | 4,278 |
| Average total loans | $36,045,330 | 6,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 1,818 |
| Cost of funding earning assets | 1.5779% | 3,090 |
| Net interest margin | 4.1103% | 2,401 |
| Noninterest income to average assets | 0.5596% | 3,568 |
| Noninterest expense to average assets | 2.4513% | 5,901 |
| Loan and lease loss provision to assets | 0.3931% | 3,012 |
| Net operating income to assets | 1.6789% | 640 |
| Return on assets (ROA) | 1.6789% | 691 |
| Pretax return on assets | 1.6789% | 1,098 |
| Return on Equity (ROE) | 10.9070% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.9070% | 939 |
| Net charge-offs to loans | -0.1890% | 7,660 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1922% | 6,953 |
| Assets per employee ($millions) | 5.4176% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,036 |
| Loan loss allowance to noncurrent loans | 80.0604% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 5,163 |
| Noncurrent loans to loans | 1.8431% | 4,002 |
| Net loans and leases to total assets | 40.8244% | 7,200 |
| Net loans and leases to deposits | 48.5438% | 7,206 |
| Net loans and leases to core deposits | 52.1855% | 7,192 |
| Total domestic deposits to total assets | 84.0980% | 4,101 |
| Equity capital to assets | 15.5963% | 747 |
| Core capital (leverage) ratio | 14.5049% | 853 |
| Tier 1 risk-based capital ratio | 26.6861% | 729 |
| Total risk-based capital ratio | 27.8246% | 719 |
| Memoranda: | ||
| Average total assets | $86,485,000 | 5,559 |
| Average earning assets | $83,400,500 | 5,384 |
| Average equity | $13,312,500 | 4,403 |
| Average total loans | $35,970,500 | 6,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 2,387 |
| Cost of funding earning assets | 1.7941% | 4,019 |
| Net interest margin | 4.0719% | 2,559 |
| Noninterest income to average assets | 0.7133% | 2,878 |
| Noninterest expense to average assets | 2.4168% | 6,417 |
| Loan and lease loss provision to assets | 0.5599% | 3,577 |
| Net operating income to assets | 1.5950% | 556 |
| Return on assets (ROA) | 1.5950% | 592 |
| Pretax return on assets | 1.6736% | 829 |
| Return on Equity (ROE) | 10.6349% | 1,510 |
| Retained earnings to average equity (ytd only) | -1.8626% | 5,487 |
| Net charge-offs to loans | 0.8226% | 2,766 |
| Credit loss provision to net charge-offs | 154.2955% | 2,958 |
| Earnings coverage of net charge-offs (x) | 6.1546% | 2,426 |
| Efficiency ratio | 51.9710% | 7,386 |
| Assets per employee ($millions) | 5.3931% | 1,748 |
| Cash dividends to net income (ytd only)* | 117.5137% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 5,428 |
| Loan loss allowance to noncurrent loans | 108.6294% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 5,272 |
| Noncurrent loans to loans | 1.0937% | 5,137 |
| Net loans and leases to total assets | 41.2521% | 7,284 |
| Net loans and leases to deposits | 48.8192% | 7,323 |
| Net loans and leases to core deposits | 59.6348% | 7,279 |
| Total domestic deposits to total assets | 84.4998% | 3,795 |
| Equity capital to assets | 15.1885% | 874 |
| Core capital (leverage) ratio | 14.6805% | 843 |
| Tier 1 risk-based capital ratio | 25.7322% | 782 |
| Total risk-based capital ratio | 26.6452% | 792 |
| Memoranda: | ||
| Average total assets | $80,188,200 | 5,726 |
| Average earning assets | $77,530,800 | 5,541 |
| Average equity | $12,026,400 | 4,744 |
| Average total loans | $35,377,200 | 6,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 2,480 |
| Cost of funding earning assets | 1.8292% | 4,239 |
| Net interest margin | 4.0641% | 2,533 |
| Noninterest income to average assets | 0.6966% | 3,037 |
| Noninterest expense to average assets | 2.4051% | 6,400 |
| Loan and lease loss provision to assets | 0.7441% | 2,513 |
| Net operating income to assets | 1.3950% | 1,041 |
| Return on assets (ROA) | 1.3950% | 1,103 |
| Pretax return on assets | 1.4865% | 1,456 |
| Return on Equity (ROE) | 9.3336% | 2,147 |
| Retained earnings to average equity (ytd only) | -7.7118% | 6,565 |
| Net charge-offs to loans | 0.7686% | 2,439 |
| Credit loss provision to net charge-offs | 216.2562% | 2,030 |
| Earnings coverage of net charge-offs (x) | 6.4827% | 2,598 |
| Efficiency ratio | 51.8830% | 7,423 |
| Assets per employee ($millions) | 5.0330% | 2,108 |
| Cash dividends to net income (ytd only)* | 182.6239% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,960 |
| Loan loss allowance to noncurrent loans | 70.9677% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 4,809 |
| Noncurrent loans to loans | 1.9694% | 3,680 |
| Net loans and leases to total assets | 44.3299% | 7,223 |
| Net loans and leases to deposits | 52.6317% | 7,277 |
| Net loans and leases to core deposits | 66.0316% | 7,159 |
| Total domestic deposits to total assets | 84.2266% | 3,611 |
| Equity capital to assets | 15.4009% | 906 |
| Core capital (leverage) ratio | 14.3865% | 985 |
| Tier 1 risk-based capital ratio | 25.4563% | 859 |
| Total risk-based capital ratio | 26.5662% | 845 |
| Memoranda: | ||
| Average total assets | $78,663,000 | 5,805 |
| Average earning assets | $76,243,750 | 5,623 |
| Average equity | $11,756,500 | 4,851 |
| Average total loans | $35,215,500 | 6,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8146% | 2,981 |
| Cost of funding earning assets | 1.8306% | 4,601 |
| Net interest margin | 3.9840% | 2,767 |
| Noninterest income to average assets | 0.6612% | 3,258 |
| Noninterest expense to average assets | 2.2629% | 6,877 |
| Loan and lease loss provision to assets | 0.3306% | 3,953 |
| Net operating income to assets | 1.8324% | 428 |
| Return on assets (ROA) | 1.8324% | 468 |
| Pretax return on assets | 1.9272% | 657 |
| Return on Equity (ROE) | 12.3903% | 1,311 |
| Retained earnings to average equity (ytd only) | -13.6553% | 7,161 |
| Net charge-offs to loans | 0.5102% | 2,796 |
| Credit loss provision to net charge-offs | 144.9438% | 3,193 |
| Earnings coverage of net charge-offs (x) | 9.8989% | 2,057 |
| Efficiency ratio | 50.0567% | 7,667 |
| Assets per employee ($millions) | 4.9989% | 2,077 |
| Cash dividends to net income (ytd only)* | 210.2098% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,818 |
| Loan loss allowance to noncurrent loans | 48.4375% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 4,805 |
| Noncurrent loans to loans | 1.8365% | 3,754 |
| Net loans and leases to total assets | 43.1835% | 7,380 |
| Net loans and leases to deposits | 50.8495% | 7,444 |
| Net loans and leases to core deposits | 60.5448% | 7,433 |
| Total domestic deposits to total assets | 84.9241% | 3,300 |
| Equity capital to assets | 14.7596% | 1,094 |
| Core capital (leverage) ratio | 14.5812% | 1,003 |
| Tier 1 risk-based capital ratio | 25.6018% | 890 |
| Total risk-based capital ratio | 26.2921% | 918 |
| Memoranda: | ||
| Average total assets | $78,041,330 | 5,861 |
| Average earning assets | $75,602,670 | 5,689 |
| Average equity | $11,541,330 | 4,937 |
| Average total loans | $34,886,000 | 6,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9175% | 2,718 |
| Cost of funding earning assets | 1.8405% | 4,918 |
| Net interest margin | 4.0770% | 2,370 |
| Noninterest income to average assets | 0.6695% | 3,074 |
| Noninterest expense to average assets | 2.2525% | 6,684 |
| Loan and lease loss provision to assets | 0.6176% | 2,043 |
| Net operating income to assets | 1.7490% | 585 |
| Return on assets (ROA) | 1.7490% | 639 |
| Pretax return on assets | 1.7542% | 1,070 |
| Return on Equity (ROE) | 11.8147% | 1,726 |
| Retained earnings to average equity (ytd only) | -40.8782% | 7,978 |
| Net charge-offs to loans | 1.0199% | 1,322 |
| Credit loss provision to net charge-offs | 133.7079% | 3,023 |
| Earnings coverage of net charge-offs (x) | 5.1348% | 2,737 |
| Efficiency ratio | 48.7093% | 7,685 |
| Assets per employee ($millions) | 4.7412% | 2,375 |
| Cash dividends to net income (ytd only)* | 445.9941% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,876 |
| Loan loss allowance to noncurrent loans | 50.6757% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 4,657 |
| Noncurrent loans to loans | 1.7159% | 3,688 |
| Net loans and leases to total assets | 45.0836% | 7,258 |
| Net loans and leases to deposits | 52.9551% | 7,344 |
| Net loans and leases to core deposits | 63.0973% | 7,350 |
| Total domestic deposits to total assets | 85.1356% | 3,138 |
| Equity capital to assets | 14.5441% | 1,220 |
| Core capital (leverage) ratio | 14.3669% | 1,117 |
| Tier 1 risk-based capital ratio | 25.7039% | 914 |
| Total risk-based capital ratio | 26.3974% | 944 |
| Memoranda: | ||
| Average total assets | $77,071,000 | 5,913 |
| Average earning assets | $74,761,000 | 5,739 |
| Average equity | $11,409,500 | 5,003 |
| Average total loans | $34,904,500 | 6,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2449% | 4,277 |
| Cost of funding earning assets | 2.1896% | 5,643 |
| Net interest margin | 4.0552% | 2,893 |
| Noninterest income to average assets | 0.7732% | 2,651 |
| Noninterest expense to average assets | 2.3143% | 6,653 |
| Loan and lease loss provision to assets | 0.0587% | 6,677 |
| Net operating income to assets | 2.2253% | 223 |
| Return on assets (ROA) | 2.2010% | 235 |
| Pretax return on assets | 2.2956% | 315 |
| Return on Equity (ROE) | 14.4391% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.7956% | 2,770 |
| Net charge-offs to loans | 0.0707% | 5,760 |
| Credit loss provision to net charge-offs | 176.0000% | 2,884 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 567 |
| Efficiency ratio | 49.3042% | 7,712 |
| Assets per employee ($millions) | 4.8927% | 2,058 |
| Cash dividends to net income (ytd only)* | 73.7129% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 7,225 |
| Loan loss allowance to noncurrent loans | 26.8657% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 3,277 |
| Noncurrent loans to loans | 2.8463% | 1,902 |
| Net loans and leases to total assets | 44.7594% | 7,418 |
| Net loans and leases to deposits | 52.8946% | 7,494 |
| Net loans and leases to core deposits | 62.4782% | 7,498 |
| Total domestic deposits to total assets | 84.6199% | 3,018 |
| Equity capital to assets | 15.0556% | 1,147 |
| Core capital (leverage) ratio | 16.2027% | 795 |
| Tier 1 risk-based capital ratio | 27.7274% | 774 |
| Total risk-based capital ratio | 28.3367% | 802 |
| Memoranda: | ||
| Average total assets | $75,013,000 | 5,873 |
| Average earning assets | $72,523,600 | 5,722 |
| Average equity | $11,434,200 | 4,987 |
| Average total loans | $35,368,200 | 6,398 |