Home > First National Bank in Okeene > Performance and Condition Ratios
First National Bank in Okeene, Performance and Condition Ratios
| 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 | 5.9958% | 1,257 |
| Cost of funding earning assets | 2.8448% | 656 |
| Net interest margin | 3.1510% | 2,789 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 1.8462% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2887% | 1,327 |
| Return on assets (ROA) | 1.2377% | 1,446 |
| Pretax return on assets | 1.2377% | 1,909 |
| Return on Equity (ROE) | 7.6800% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.6810% | 1,497 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.8923% | 3,268 |
| Assets per employee ($millions) | 6.4737% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,370 |
| Loan loss allowance to noncurrent loans | 1,205.5556% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,409 |
| Noncurrent loans to loans | 0.0971% | 3,201 |
| Net loans and leases to total assets | 43.5400% | 3,920 |
| Net loans and leases to deposits | 59.7469% | 3,605 |
| Net loans and leases to core deposits | 86.7304% | 2,369 |
| Total domestic deposits to total assets | 72.8700% | 4,134 |
| Equity capital to assets | 17.0346% | 412 |
| Core capital (leverage) ratio | 18.5894% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8088% | 285 |
| Memoranda: | ||
| Average total assets | $83,702,250 | 3,932 |
| Average earning assets | $78,364,000 | 3,908 |
| Average equity | $13,487,500 | 3,473 |
| Average total loans | $36,165,000 | 4,029 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1009% | 1,027 |
| Cost of funding earning assets | 2.8996% | 544 |
| Net interest margin | 3.2013% | 2,632 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.7068% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.4817% | 947 |
| Return on assets (ROA) | 1.4817% | 945 |
| Pretax return on assets | 1.4817% | 1,312 |
| Return on Equity (ROE) | 9.3800% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.3755% | 1,003 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 53.5285% | 3,790 |
| Assets per employee ($millions) | 6.1931% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,457 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 40.5700% | 4,020 |
| Net loans and leases to deposits | 53.8824% | 3,816 |
| Net loans and leases to core deposits | 69.5357% | 3,392 |
| Total domestic deposits to total assets | 75.2900% | 3,956 |
| Equity capital to assets | 16.7569% | 413 |
| Core capital (leverage) ratio | 18.5288% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1694% | 277 |
| Memoranda: | ||
| Average total assets | $83,550,333 | 3,951 |
| Average earning assets | $78,217,667 | 3,921 |
| Average equity | $13,204,667 | 3,479 |
| Average total loans | $35,861,667 | 4,048 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4636% | 602 |
| Cost of funding earning assets | 3.0591% | 383 |
| Net interest margin | 3.4045% | 2,094 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.7585% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6457% | 719 |
| Return on assets (ROA) | 1.6457% | 733 |
| Pretax return on assets | 1.6457% | 1,026 |
| Return on Equity (ROE) | 10.7200% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.7185% | 955 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.6575% | 3,926 |
| Assets per employee ($millions) | 6.3650% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,032 |
| Loan loss allowance to noncurrent loans | 1,172.9730% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,211 |
| Noncurrent loans to loans | 0.1062% | 3,080 |
| Net loans and leases to total assets | 41.5900% | 3,976 |
| Net loans and leases to deposits | 54.5485% | 3,755 |
| Net loans and leases to core deposits | 69.3615% | 3,363 |
| Total domestic deposits to total assets | 76.2400% | 3,967 |
| Equity capital to assets | 15.9659% | 461 |
| Core capital (leverage) ratio | 17.3975% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1401% | 336 |
| Memoranda: | ||
| Average total assets | $85,070,500 | 3,959 |
| Average earning assets | $79,893,500 | 3,930 |
| Average equity | $13,061,500 | 3,504 |
| Average total loans | $37,244,000 | 4,046 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 954 |
| Cost of funding earning assets | 1.8420% | 1,179 |
| Net interest margin | 3.8371% | 1,495 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2700% | 2,923 |
| Loan and lease loss provision to assets | -0.2300% | 4,567 |
| Net operating income to assets | 1.7747% | 637 |
| Return on assets (ROA) | 1.6334% | 788 |
| Pretax return on assets | 1.6334% | 1,174 |
| Return on Equity (ROE) | 10.1800% | 2,446 |
| Retained earnings to average equity (ytd only) | -3.3367% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.5082% | 3,135 |
| Assets per employee ($millions) | 6.7228% | 2,257 |
| Cash dividends to net income (ytd only)* | 132.7718% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 2,865 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,365 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.8600% | 3,868 |
| Net loans and leases to deposits | 62.8086% | 3,361 |
| Net loans and leases to core deposits | 84.8930% | 2,384 |
| Total domestic deposits to total assets | 71.4300% | 4,246 |
| Equity capital to assets | 14.7741% | 575 |
| Core capital (leverage) ratio | 18.2219% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1888% | 470 |
| Memoranda: | ||
| Average total assets | $79,955,000 | 4,013 |
| Average earning assets | $75,082,800 | 3,978 |
| Average equity | $12,827,000 | 3,450 |
| Average total loans | $33,459,800 | 4,091 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 1,027 |
| Cost of funding earning assets | 1.6972% | 1,194 |
| Net interest margin | 3.7917% | 1,616 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2293% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6127% | 922 |
| Return on assets (ROA) | 1.6127% | 908 |
| Pretax return on assets | 1.6127% | 1,324 |
| Return on Equity (ROE) | 10.1400% | 2,601 |
| Retained earnings to average equity (ytd only) | 0.4213% | 4,053 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0241% | 3,202 |
| Assets per employee ($millions) | 6.0925% | 2,658 |
| Cash dividends to net income (ytd only)* | 95.8466% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3054% | 96 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,136 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 38.8600% | 4,098 |
| Net loans and leases to deposits | 50.7604% | 3,907 |
| Net loans and leases to core deposits | 69.8892% | 3,211 |
| Total domestic deposits to total assets | 76.5500% | 3,969 |
| Equity capital to assets | 15.1812% | 515 |
| Core capital (leverage) ratio | 18.4880% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0927% | 316 |
| Memoranda: | ||
| Average total assets | $77,631,250 | 4,052 |
| Average earning assets | $72,823,500 | 4,022 |
| Average equity | $12,342,250 | 3,496 |
| Average total loans | $31,914,500 | 4,131 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 700 |
| Cost of funding earning assets | 1.4001% | 1,449 |
| Net interest margin | 4.2391% | 873 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.4327% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7765% | 682 |
| Return on assets (ROA) | 1.7765% | 683 |
| Pretax return on assets | 1.7765% | 1,058 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | -3.4518% | 4,362 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.7942% | 3,213 |
| Assets per employee ($millions) | 6.0698% | 2,653 |
| Cash dividends to net income (ytd only)* | 131.3869% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3453% | 103 |
| Loan loss allowance to noncurrent loans | 83.6913% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 162 |
| Noncurrent loans to loans | 3.9972% | 87 |
| Net loans and leases to total assets | 38.5200% | 4,091 |
| Net loans and leases to deposits | 54.6899% | 3,712 |
| Net loans and leases to core deposits | 69.2527% | 3,173 |
| Total domestic deposits to total assets | 70.4300% | 4,345 |
| Equity capital to assets | 15.7147% | 468 |
| Core capital (leverage) ratio | 19.2633% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4800% | 333 |
| Memoranda: | ||
| Average total assets | $77,116,333 | 4,076 |
| Average earning assets | $72,278,667 | 4,049 |
| Average equity | $12,457,333 | 3,493 |
| Average total loans | $31,943,667 | 4,140 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,417 |
| Cost of funding earning assets | 1.1710% | 1,532 |
| Net interest margin | 3.7259% | 1,836 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.1989% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5271% | 1,124 |
| Return on assets (ROA) | 1.5271% | 1,105 |
| Pretax return on assets | 1.5271% | 1,609 |
| Return on Equity (ROE) | 9.3200% | 2,964 |
| Retained earnings to average equity (ytd only) | -19.5099% | 4,589 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0141% | 3,072 |
| Assets per employee ($millions) | 6.5503% | 2,309 |
| Cash dividends to net income (ytd only)* | 309.2784% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2889% | 107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 1,987 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 39.3500% | 4,065 |
| Net loans and leases to deposits | 51.2084% | 3,836 |
| Net loans and leases to core deposits | 61.0150% | 3,499 |
| Total domestic deposits to total assets | 76.8500% | 4,094 |
| Equity capital to assets | 15.7804% | 424 |
| Core capital (leverage) ratio | 18.7220% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5356% | 328 |
| Memoranda: | ||
| Average total assets | $76,221,000 | 4,145 |
| Average earning assets | $71,391,500 | 4,120 |
| Average equity | $12,486,000 | 3,525 |
| Average total loans | $32,192,000 | 4,195 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 2,491 |
| Cost of funding earning assets | 0.3260% | 2,672 |
| Net interest margin | 3.3875% | 2,304 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.9536% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2497% | 1,604 |
| Return on assets (ROA) | 1.2497% | 1,548 |
| Pretax return on assets | 1.3440% | 1,946 |
| Return on Equity (ROE) | 7.1800% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.1810% | 2,160 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.2429% | 3,157 |
| Assets per employee ($millions) | 6.1523% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2471% | 101 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.3406% | 91 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.4600% | 3,957 |
| Net loans and leases to deposits | 53.3549% | 3,714 |
| Net loans and leases to core deposits | 61.9413% | 3,394 |
| Total domestic deposits to total assets | 79.5800% | 3,937 |
| Equity capital to assets | 17.0098% | 333 |
| Core capital (leverage) ratio | 20.3551% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8471% | 308 |
| Memoranda: | ||
| Average total assets | $75,295,200 | 4,180 |
| Average earning assets | $69,637,600 | 4,164 |
| Average equity | $13,104,000 | 3,559 |
| Average total loans | $34,237,600 | 4,164 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 2,455 |
| Cost of funding earning assets | 0.2734% | 2,453 |
| Net interest margin | 3.2806% | 2,358 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.8045% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2758% | 1,440 |
| Return on assets (ROA) | 1.2758% | 1,405 |
| Pretax return on assets | 1.4009% | 1,720 |
| Return on Equity (ROE) | 7.2900% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.2906% | 2,269 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.2947% | 3,599 |
| Assets per employee ($millions) | 5.7441% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5272% | 84 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.5069% | 84 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.7400% | 3,995 |
| Net loans and leases to deposits | 50.7398% | 3,808 |
| Net loans and leases to core deposits | 59.2415% | 3,437 |
| Total domestic deposits to total assets | 82.2700% | 3,797 |
| Equity capital to assets | 17.7052% | 289 |
| Core capital (leverage) ratio | 20.1273% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5591% | 168 |
| Memoranda: | ||
| Average total assets | $75,662,000 | 4,206 |
| Average earning assets | $70,230,250 | 4,190 |
| Average equity | $13,240,500 | 3,593 |
| Average total loans | $34,697,500 | 4,182 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 2,322 |
| Cost of funding earning assets | 0.2596% | 2,147 |
| Net interest margin | 3.1818% | 2,248 |
| Noninterest income to average assets | 0.1463% | 4,288 |
| Noninterest expense to average assets | 1.7508% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1706% | 1,532 |
| Return on assets (ROA) | 1.1706% | 1,510 |
| Pretax return on assets | 1.3529% | 1,577 |
| Return on Equity (ROE) | 6.7128% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.7128% | 2,083 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4103% | 3,737 |
| Assets per employee ($millions) | 6.5227% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6408% | 84 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4084% | 89 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.8056% | 4,129 |
| Net loans and leases to deposits | 47.1444% | 3,979 |
| Net loans and leases to core deposits | 54.6745% | 3,655 |
| Total domestic deposits to total assets | 82.3122% | 3,966 |
| Equity capital to assets | 17.6655% | 243 |
| Core capital (leverage) ratio | 19.3137% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1636% | 147 |
| Memoranda: | ||
| Average total assets | $77,906,333 | 4,226 |
| Average earning assets | $72,411,333 | 4,220 |
| Average equity | $13,586,000 | 3,626 |
| Average total loans | $36,321,667 | 4,207 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 1,718 |
| Cost of funding earning assets | 0.2758% | 1,866 |
| Net interest margin | 3.2509% | 1,716 |
| Noninterest income to average assets | 0.1383% | 4,324 |
| Noninterest expense to average assets | 1.5015% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6645% | 440 |
| Return on assets (ROA) | 1.6645% | 443 |
| Pretax return on assets | 1.6645% | 734 |
| Return on Equity (ROE) | 9.6001% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.6001% | 1,121 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4259% | 4,435 |
| Assets per employee ($millions) | 7.1954% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7572% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2148% | 123 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.8761% | 3,498 |
| Net loans and leases to deposits | 56.5881% | 3,207 |
| Net loans and leases to core deposits | 71.1025% | 2,198 |
| Total domestic deposits to total assets | 82.8374% | 3,961 |
| Equity capital to assets | 17.1171% | 261 |
| Core capital (leverage) ratio | 17.5071% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9626% | 300 |
| Memoranda: | ||
| Average total assets | $80,984,500 | 4,212 |
| Average earning assets | $75,425,000 | 4,198 |
| Average equity | $14,041,500 | 3,653 |
| Average total loans | $40,035,000 | 4,157 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 1,991 |
| Cost of funding earning assets | 0.3514% | 1,927 |
| Net interest margin | 3.3929% | 2,052 |
| Noninterest income to average assets | 0.1537% | 4,381 |
| Noninterest expense to average assets | 1.7735% | 4,187 |
| Loan and lease loss provision to assets | 0.1830% | 622 |
| Net operating income to assets | 1.3112% | 1,571 |
| Return on assets (ROA) | 1.3112% | 1,613 |
| Pretax return on assets | 1.3539% | 2,190 |
| Return on Equity (ROE) | 7.3353% | 3,430 |
| Retained earnings to average equity (ytd only) | 3.4459% | 3,433 |
| Net charge-offs to loans | -0.1336% | 4,646 |
| Credit loss provision to net charge-offs | -272.7273% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5741% | 3,978 |
| Assets per employee ($millions) | 7.5291% | 1,605 |
| Cash dividends to net income (ytd only)* | 53.0233% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 275 |
| Loan loss allowance to noncurrent loans | 108.2305% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 3.3072% | 60 |
| Noncurrent loans to loans | 2.3189% | 304 |
| Net loans and leases to total assets | 49.3407% | 3,370 |
| Net loans and leases to deposits | 59.9170% | 3,081 |
| Net loans and leases to core deposits | 78.8530% | 1,691 |
| Total domestic deposits to total assets | 82.3485% | 3,912 |
| Equity capital to assets | 17.5501% | 273 |
| Core capital (leverage) ratio | 16.9275% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,985,000 | 4,187 |
| Average earning assets | $76,276,800 | 4,181 |
| Average equity | $14,655,200 | 3,672 |
| Average total loans | $41,171,800 | 4,159 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 2,191 |
| Cost of funding earning assets | 0.3648% | 1,985 |
| Net interest margin | 3.3674% | 2,246 |
| Noninterest income to average assets | 0.1337% | 4,530 |
| Noninterest expense to average assets | 1.6272% | 4,431 |
| Loan and lease loss provision to assets | 0.2446% | 382 |
| Net operating income to assets | 1.3500% | 1,693 |
| Return on assets (ROA) | 1.3500% | 1,747 |
| Pretax return on assets | 1.3924% | 2,368 |
| Return on Equity (ROE) | 7.5176% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.5176% | 2,214 |
| Net charge-offs to loans | -0.0716% | 4,490 |
| Credit loss provision to net charge-offs | -681.8182% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8501% | 4,235 |
| Assets per employee ($millions) | 7.3995% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6007% | 245 |
| Loan loss allowance to noncurrent loans | 79.0535% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 3.8209% | 50 |
| Noncurrent loans to loans | 3.2898% | 182 |
| Net loans and leases to total assets | 46.8867% | 3,725 |
| Net loans and leases to deposits | 57.7396% | 3,430 |
| Net loans and leases to core deposits | 72.7441% | 2,347 |
| Total domestic deposits to total assets | 81.2038% | 4,059 |
| Equity capital to assets | 18.5481% | 251 |
| Core capital (leverage) ratio | 17.4896% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8648% | 279 |
| Memoranda: | ||
| Average total assets | $81,776,250 | 4,240 |
| Average earning assets | $76,020,250 | 4,237 |
| Average equity | $14,685,250 | 3,717 |
| Average total loans | $40,985,750 | 4,219 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 2,427 |
| Cost of funding earning assets | 0.3756% | 2,082 |
| Net interest margin | 3.2884% | 2,479 |
| Noninterest income to average assets | 0.1343% | 4,532 |
| Noninterest expense to average assets | 1.6507% | 4,441 |
| Loan and lease loss provision to assets | 0.3663% | 200 |
| Net operating income to assets | 1.1306% | 2,432 |
| Return on assets (ROA) | 1.1306% | 2,498 |
| Pretax return on assets | 1.1746% | 2,980 |
| Return on Equity (ROE) | 6.3651% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.3651% | 2,669 |
| Net charge-offs to loans | -0.0433% | 4,304 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7215% | 4,073 |
| Assets per employee ($millions) | 7.4993% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4603% | 290 |
| Loan loss allowance to noncurrent loans | 78.0450% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 3.7701% | 60 |
| Noncurrent loans to loans | 3.1524% | 222 |
| Net loans and leases to total assets | 48.3489% | 3,693 |
| Net loans and leases to deposits | 60.6361% | 3,332 |
| Net loans and leases to core deposits | 70.6537% | 2,718 |
| Total domestic deposits to total assets | 79.7362% | 4,263 |
| Equity capital to assets | 17.9036% | 273 |
| Core capital (leverage) ratio | 16.5713% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9306% | 381 |
| Memoranda: | ||
| Average total assets | $81,903,667 | 4,265 |
| Average earning assets | $76,146,333 | 4,259 |
| Average equity | $14,548,000 | 3,734 |
| Average total loans | $41,587,000 | 4,243 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 3,585 |
| Cost of funding earning assets | 0.4113% | 2,003 |
| Net interest margin | 2.8366% | 3,678 |
| Noninterest income to average assets | 0.1568% | 4,419 |
| Noninterest expense to average assets | 1.5733% | 4,571 |
| Loan and lease loss provision to assets | 0.3676% | 221 |
| Net operating income to assets | 0.8528% | 3,260 |
| Return on assets (ROA) | 0.8528% | 3,343 |
| Pretax return on assets | 0.8528% | 3,716 |
| Return on Equity (ROE) | 4.8208% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.8208% | 3,282 |
| Net charge-offs to loans | -0.0668% | 4,501 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3158% | 3,511 |
| Assets per employee ($millions) | 7.6175% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3046% | 361 |
| Loan loss allowance to noncurrent loans | 70.3788% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.7486% | 70 |
| Noncurrent loans to loans | 3.2745% | 226 |
| Net loans and leases to total assets | 46.9997% | 3,890 |
| Net loans and leases to deposits | 56.8504% | 3,731 |
| Net loans and leases to core deposits | 65.6706% | 3,271 |
| Total domestic deposits to total assets | 82.6726% | 3,767 |
| Equity capital to assets | 17.1198% | 300 |
| Core capital (leverage) ratio | 17.4739% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8980% | 297 |
| Memoranda: | ||
| Average total assets | $81,609,500 | 4,286 |
| Average earning assets | $75,865,000 | 4,281 |
| Average equity | $14,437,500 | 3,750 |
| Average total loans | $41,935,500 | 4,262 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 3,248 |
| Cost of funding earning assets | 0.6886% | 1,779 |
| Net interest margin | 3.1305% | 3,550 |
| Noninterest income to average assets | 0.1478% | 4,555 |
| Noninterest expense to average assets | 1.7465% | 4,548 |
| Loan and lease loss provision to assets | 0.2422% | 1,605 |
| Net operating income to assets | 1.0719% | 2,016 |
| Return on assets (ROA) | 1.0804% | 2,126 |
| Pretax return on assets | 1.0804% | 2,766 |
| Return on Equity (ROE) | 6.2856% | 3,491 |
| Retained earnings to average equity (ytd only) | 0.8245% | 4,283 |
| Net charge-offs to loans | -0.1151% | 4,834 |
| Credit loss provision to net charge-offs | -392.1569% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0637% | 3,850 |
| Assets per employee ($millions) | 7.2206% | 1,437 |
| Cash dividends to net income (ytd only)* | 86.8834% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 654 |
| Loan loss allowance to noncurrent loans | 45.6604% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 4.6244% | 51 |
| Noncurrent loans to loans | 4.2585% | 123 |
| Net loans and leases to total assets | 53.7764% | 3,510 |
| Net loans and leases to deposits | 67.4026% | 3,144 |
| Net loans and leases to core deposits | 74.2048% | 2,897 |
| Total domestic deposits to total assets | 79.7840% | 4,079 |
| Equity capital to assets | 18.2935% | 254 |
| Core capital (leverage) ratio | 17.0544% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2116% | 380 |
| Memoranda: | ||
| Average total assets | $82,562,800 | 4,214 |
| Average earning assets | $76,826,000 | 4,207 |
| Average equity | $14,191,200 | 3,733 |
| Average total loans | $44,327,400 | 4,215 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 3,068 |
| Cost of funding earning assets | 0.7575% | 1,690 |
| Net interest margin | 3.2106% | 3,459 |
| Noninterest income to average assets | 0.1424% | 4,594 |
| Noninterest expense to average assets | 1.6861% | 4,638 |
| Loan and lease loss provision to assets | 0.3203% | 1,238 |
| Net operating income to assets | 1.1262% | 1,893 |
| Return on assets (ROA) | 1.1310% | 2,001 |
| Pretax return on assets | 1.1310% | 2,639 |
| Return on Equity (ROE) | 6.6823% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.6823% | 1,818 |
| Net charge-offs to loans | -0.0509% | 4,678 |
| Credit loss provision to net charge-offs | -1,176.4706% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8304% | 4,166 |
| Assets per employee ($millions) | 7.2477% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 510 |
| Loan loss allowance to noncurrent loans | 3,534.7826% | 229 |
| Noncurrent assets plus other real estate owned to assets | 2.3092% | 247 |
| Noncurrent loans to loans | 0.0560% | 4,150 |
| Net loans and leases to total assets | 50.4948% | 4,071 |
| Net loans and leases to deposits | 62.3405% | 3,912 |
| Net loans and leases to core deposits | 68.4934% | 3,734 |
| Total domestic deposits to total assets | 80.9984% | 3,665 |
| Equity capital to assets | 18.9677% | 240 |
| Core capital (leverage) ratio | 17.5889% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3163% | 300 |
| Memoranda: | ||
| Average total assets | $83,346,750 | 4,210 |
| Average earning assets | $77,617,000 | 4,200 |
| Average equity | $14,106,500 | 3,749 |
| Average total loans | $44,519,250 | 4,240 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,023 |
| Cost of funding earning assets | 0.8392% | 1,637 |
| Net interest margin | 3.2730% | 3,453 |
| Noninterest income to average assets | 0.1396% | 4,606 |
| Noninterest expense to average assets | 1.6960% | 4,686 |
| Loan and lease loss provision to assets | 0.3548% | 1,186 |
| Net operating income to assets | 1.1425% | 1,834 |
| Return on assets (ROA) | 1.1496% | 1,929 |
| Pretax return on assets | 1.1496% | 2,549 |
| Return on Equity (ROE) | 7.0598% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.0598% | 1,635 |
| Net charge-offs to loans | -0.0482% | 4,674 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1111% | 4,274 |
| Assets per employee ($millions) | 7.7567% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 756 |
| Loan loss allowance to noncurrent loans | 248.1967% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4882% | 227 |
| Noncurrent loans to loans | 0.6998% | 2,126 |
| Net loans and leases to total assets | 50.1946% | 4,156 |
| Net loans and leases to deposits | 60.7886% | 4,081 |
| Net loans and leases to core deposits | 66.5496% | 3,952 |
| Total domestic deposits to total assets | 82.5723% | 3,213 |
| Equity capital to assets | 17.3527% | 345 |
| Core capital (leverage) ratio | 16.2517% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8632% | 371 |
| Memoranda: | ||
| Average total assets | $84,554,000 | 4,201 |
| Average earning assets | $78,889,000 | 4,182 |
| Average equity | $13,768,000 | 3,793 |
| Average total loans | $45,669,000 | 4,225 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 3,087 |
| Cost of funding earning assets | 0.9833% | 1,496 |
| Net interest margin | 3.2592% | 3,695 |
| Noninterest income to average assets | 0.1283% | 4,726 |
| Noninterest expense to average assets | 1.7916% | 4,679 |
| Loan and lease loss provision to assets | 0.3564% | 868 |
| Net operating income to assets | 1.0360% | 2,058 |
| Return on assets (ROA) | 1.0360% | 2,155 |
| Pretax return on assets | 1.0360% | 2,715 |
| Return on Equity (ROE) | 6.5816% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.5816% | 1,686 |
| Net charge-offs to loans | -0.0428% | 4,583 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2687% | 4,186 |
| Assets per employee ($millions) | 7.6715% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 1,497 |
| Loan loss allowance to noncurrent loans | 220.1954% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 2.5182% | 267 |
| Noncurrent loans to loans | 0.6624% | 2,332 |
| Net loans and leases to total assets | 54.1221% | 3,980 |
| Net loans and leases to deposits | 66.2470% | 3,850 |
| Net loans and leases to core deposits | 73.8086% | 3,649 |
| Total domestic deposits to total assets | 81.6974% | 3,498 |
| Equity capital to assets | 15.5154% | 670 |
| Core capital (leverage) ratio | 16.0109% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4523% | 418 |
| Memoranda: | ||
| Average total assets | $84,169,000 | 4,207 |
| Average earning assets | $78,915,000 | 4,190 |
| Average equity | $13,249,000 | 3,858 |
| Average total loans | $46,711,000 | 4,216 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 2,840 |
| Cost of funding earning assets | 0.9426% | 1,996 |
| Net interest margin | 3.5884% | 3,170 |
| Noninterest income to average assets | 0.0984% | 4,931 |
| Noninterest expense to average assets | 1.8951% | 4,671 |
| Loan and lease loss provision to assets | 0.3558% | 424 |
| Net operating income to assets | 1.2832% | 1,758 |
| Return on assets (ROA) | 1.2891% | 1,811 |
| Pretax return on assets | 1.2891% | 2,542 |
| Return on Equity (ROE) | 7.8458% | 3,226 |
| Retained earnings to average equity (ytd only) | 0.2671% | 4,614 |
| Net charge-offs to loans | 1.1055% | 141 |
| Credit loss provision to net charge-offs | 54.4465% | 3,089 |
| Earnings coverage of net charge-offs (x) | 2.5082% | 3,409 |
| Efficiency ratio | 53.6242% | 4,455 |
| Assets per employee ($millions) | 7.6319% | 820 |
| Cash dividends to net income (ytd only)* | 96.5961% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,082 |
| Loan loss allowance to noncurrent loans | 174.2690% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 2.5729% | 249 |
| Noncurrent loans to loans | 0.7265% | 2,063 |
| Net loans and leases to total assets | 55.3632% | 3,966 |
| Net loans and leases to deposits | 69.6748% | 3,697 |
| Net loans and leases to core deposits | 76.0128% | 3,574 |
| Total domestic deposits to total assets | 79.4594% | 4,087 |
| Equity capital to assets | 15.9676% | 609 |
| Core capital (leverage) ratio | 16.0764% | 509 |
| Tier 1 risk-based capital ratio | 23.4739% | 868 |
| Total risk-based capital ratio | 24.5176% | 872 |
| Memoranda: | ||
| Average total assets | $84,321,800 | 4,222 |
| Average earning assets | $80,733,200 | 4,172 |
| Average equity | $13,854,600 | 3,772 |
| Average total loans | $49,841,400 | 4,188 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 2,668 |
| Cost of funding earning assets | 0.9425% | 2,026 |
| Net interest margin | 3.6745% | 3,013 |
| Noninterest income to average assets | 0.0963% | 5,003 |
| Noninterest expense to average assets | 1.5495% | 5,044 |
| Loan and lease loss provision to assets | 0.0790% | 2,328 |
| Net operating income to assets | 1.9964% | 399 |
| Return on assets (ROA) | 2.0012% | 413 |
| Pretax return on assets | 2.0012% | 682 |
| Return on Equity (ROE) | 12.0949% | 1,587 |
| Retained earnings to average equity (ytd only) | 12.0949% | 372 |
| Net charge-offs to loans | 1.0211% | 141 |
| Credit loss provision to net charge-offs | 12.9199% | 2,994 |
| Earnings coverage of net charge-offs (x) | 3.3953% | 3,102 |
| Efficiency ratio | 42.7451% | 5,055 |
| Assets per employee ($millions) | 7.7221% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,563 |
| Loan loss allowance to noncurrent loans | 1,378.3784% | 440 |
| Noncurrent assets plus other real estate owned to assets | 2.4487% | 285 |
| Noncurrent loans to loans | 0.0863% | 4,258 |
| Net loans and leases to total assets | 49.9017% | 4,433 |
| Net loans and leases to deposits | 60.5180% | 4,359 |
| Net loans and leases to core deposits | 66.8939% | 4,229 |
| Total domestic deposits to total assets | 82.4576% | 3,332 |
| Equity capital to assets | 17.4964% | 440 |
| Core capital (leverage) ratio | 17.1553% | 417 |
| Tier 1 risk-based capital ratio | 26.5417% | 674 |
| Total risk-based capital ratio | 27.4679% | 680 |
| Memoranda: | ||
| Average total assets | $84,414,500 | 4,274 |
| Average earning assets | $81,062,000 | 4,220 |
| Average equity | $13,967,000 | 3,788 |
| Average total loans | $50,533,250 | 4,216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 2,336 |
| Cost of funding earning assets | 0.9161% | 2,072 |
| Net interest margin | 3.7920% | 2,604 |
| Noninterest income to average assets | 0.0902% | 5,076 |
| Noninterest expense to average assets | 1.4483% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3077% | 214 |
| Return on assets (ROA) | 2.3101% | 223 |
| Pretax return on assets | 2.3101% | 352 |
| Return on Equity (ROE) | 14.2369% | 926 |
| Retained earnings to average equity (ytd only) | 14.2369% | 216 |
| Net charge-offs to loans | -0.2675% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5588% | 5,183 |
| Assets per employee ($millions) | 8.1766% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.5703% | 4,041 |
| Net loans and leases to deposits | 67.4591% | 3,998 |
| Net loans and leases to core deposits | 77.3291% | 3,625 |
| Total domestic deposits to total assets | 83.8587% | 2,926 |
| Equity capital to assets | 16.0702% | 608 |
| Core capital (leverage) ratio | 16.2669% | 514 |
| Tier 1 risk-based capital ratio | 23.4176% | 905 |
| Total risk-based capital ratio | 24.6701% | 883 |
| Memoranda: | ||
| Average total assets | $84,238,330 | 4,303 |
| Average earning assets | $81,435,330 | 4,239 |
| Average equity | $13,668,670 | 3,834 |
| Average total loans | $53,078,330 | 4,199 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 2,543 |
| Cost of funding earning assets | 0.8421% | 2,317 |
| Net interest margin | 3.7539% | 2,695 |
| Noninterest income to average assets | 0.0883% | 5,121 |
| Noninterest expense to average assets | 1.3202% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3999% | 194 |
| Return on assets (ROA) | 2.3950% | 207 |
| Pretax return on assets | 2.3950% | 302 |
| Return on Equity (ROE) | 14.7032% | 812 |
| Retained earnings to average equity (ytd only) | 14.7032% | 299 |
| Net charge-offs to loans | -0.5287% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4881% | 5,277 |
| Assets per employee ($millions) | 7.7075% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.1982% | 3,147 |
| Net loans and leases to deposits | 77.9493% | 3,063 |
| Net loans and leases to core deposits | 88.1175% | 2,671 |
| Total domestic deposits to total assets | 83.6418% | 3,171 |
| Equity capital to assets | 16.1188% | 556 |
| Core capital (leverage) ratio | 17.1961% | 406 |
| Tier 1 risk-based capital ratio | 21.4784% | 1,111 |
| Total risk-based capital ratio | 22.7295% | 1,091 |
| Memoranda: | ||
| Average total assets | $81,504,500 | 4,395 |
| Average earning assets | $78,850,500 | 4,327 |
| Average equity | $13,276,000 | 3,907 |
| Average total loans | $53,718,000 | 4,224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,816 |
| Cost of funding earning assets | 0.5672% | 2,942 |
| Net interest margin | 3.8172% | 2,605 |
| Noninterest income to average assets | 0.0897% | 5,182 |
| Noninterest expense to average assets | 1.6293% | 5,149 |
| Loan and lease loss provision to assets | 0.4947% | 239 |
| Net operating income to assets | 1.6768% | 723 |
| Return on assets (ROA) | 1.6794% | 719 |
| Pretax return on assets | 1.6794% | 1,217 |
| Return on Equity (ROE) | 9.8624% | 2,571 |
| Retained earnings to average equity (ytd only) | 3.2771% | 3,768 |
| Net charge-offs to loans | 0.4442% | 411 |
| Credit loss provision to net charge-offs | 158.8983% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.9746% | 3,027 |
| Efficiency ratio | 42.8671% | 5,215 |
| Assets per employee ($millions) | 7.8226% | 698 |
| Cash dividends to net income (ytd only)* | 66.7714% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 64.7240% | 3,277 |
| Net loans and leases to deposits | 81.7354% | 2,767 |
| Net loans and leases to core deposits | 92.8651% | 2,332 |
| Total domestic deposits to total assets | 79.1872% | 4,272 |
| Equity capital to assets | 16.4728% | 468 |
| Core capital (leverage) ratio | 17.6124% | 360 |
| Tier 1 risk-based capital ratio | 22.5612% | 961 |
| Total risk-based capital ratio | 23.8119% | 937 |
| Memoranda: | ||
| Average total assets | $75,799,600 | 4,503 |
| Average earning assets | $73,691,800 | 4,427 |
| Average equity | $12,907,600 | 3,898 |
| Average total loans | $53,130,200 | 4,239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 3,098 |
| Cost of funding earning assets | 0.5082% | 3,141 |
| Net interest margin | 3.7558% | 2,805 |
| Noninterest income to average assets | 0.0833% | 5,266 |
| Noninterest expense to average assets | 1.5497% | 5,248 |
| Loan and lease loss provision to assets | 0.4876% | 236 |
| Net operating income to assets | 1.7022% | 741 |
| Return on assets (ROA) | 1.7058% | 741 |
| Pretax return on assets | 1.7058% | 1,266 |
| Return on Equity (ROE) | 9.9329% | 2,650 |
| Retained earnings to average equity (ytd only) | 9.9329% | 947 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4414% | 5,290 |
| Assets per employee ($millions) | 7.4969% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 582 |
| Loan loss allowance to noncurrent loans | 414.7679% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,428 |
| Noncurrent loans to loans | 0.4601% | 3,005 |
| Net loans and leases to total assets | 67.3905% | 3,023 |
| Net loans and leases to deposits | 86.8150% | 2,280 |
| Net loans and leases to core deposits | 99.4958% | 1,832 |
| Total domestic deposits to total assets | 77.6254% | 4,544 |
| Equity capital to assets | 17.6260% | 367 |
| Core capital (leverage) ratio | 18.3830% | 301 |
| Tier 1 risk-based capital ratio | 24.4064% | 806 |
| Total risk-based capital ratio | 25.6612% | 782 |
| Memoranda: | ||
| Average total assets | $75,193,000 | 4,555 |
| Average earning assets | $73,201,000 | 4,481 |
| Average equity | $12,913,000 | 3,923 |
| Average total loans | $53,565,500 | 4,280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,576 |
| Cost of funding earning assets | 0.4473% | 3,377 |
| Net interest margin | 3.6141% | 3,262 |
| Noninterest income to average assets | 0.0930% | 5,287 |
| Noninterest expense to average assets | 1.5146% | 5,331 |
| Loan and lease loss provision to assets | 0.4650% | 251 |
| Net operating income to assets | 1.6342% | 837 |
| Return on assets (ROA) | 1.6395% | 830 |
| Pretax return on assets | 1.6395% | 1,377 |
| Return on Equity (ROE) | 9.6311% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.6311% | 1,030 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9118% | 5,352 |
| Assets per employee ($millions) | 7.4489% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 987 |
| Loan loss allowance to noncurrent loans | 123.8429% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 1,573 |
| Noncurrent loans to loans | 1.3340% | 1,274 |
| Net loans and leases to total assets | 70.5688% | 2,492 |
| Net loans and leases to deposits | 90.2638% | 1,801 |
| Net loans and leases to core deposits | 98.1698% | 1,877 |
| Total domestic deposits to total assets | 78.1807% | 4,556 |
| Equity capital to assets | 17.4053% | 371 |
| Core capital (leverage) ratio | 17.5751% | 342 |
| Tier 1 risk-based capital ratio | 22.7644% | 956 |
| Total risk-based capital ratio | 24.0167% | 938 |
| Memoranda: | ||
| Average total assets | $75,267,670 | 4,605 |
| Average earning assets | $73,324,670 | 4,519 |
| Average equity | $12,812,670 | 3,952 |
| Average total loans | $54,252,330 | 4,297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,127 |
| Cost of funding earning assets | 0.4014% | 3,572 |
| Net interest margin | 4.0196% | 1,661 |
| Noninterest income to average assets | 0.1216% | 5,247 |
| Noninterest expense to average assets | 1.3799% | 5,458 |
| Loan and lease loss provision to assets | 0.3965% | 284 |
| Net operating income to assets | 2.2628% | 214 |
| Return on assets (ROA) | 2.2734% | 213 |
| Pretax return on assets | 2.2734% | 337 |
| Return on Equity (ROE) | 13.5045% | 1,135 |
| Retained earnings to average equity (ytd only) | 13.5045% | 455 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1623% | 5,533 |
| Assets per employee ($millions) | 7.7683% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,517 |
| Loan loss allowance to noncurrent loans | 55.6899% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8099% | 669 |
| Noncurrent loans to loans | 2.6653% | 484 |
| Net loans and leases to total assets | 66.8988% | 2,905 |
| Net loans and leases to deposits | 80.2127% | 2,789 |
| Net loans and leases to core deposits | 124.6678% | 455 |
| Total domestic deposits to total assets | 83.4018% | 3,543 |
| Equity capital to assets | 16.5274% | 437 |
| Core capital (leverage) ratio | 17.3164% | 354 |
| Tier 1 risk-based capital ratio | 22.2141% | 1,024 |
| Total risk-based capital ratio | 23.4632% | 1,004 |
| Memoranda: | ||
| Average total assets | $75,657,000 | 4,648 |
| Average earning assets | $73,739,000 | 4,559 |
| Average equity | $12,736,500 | 4,006 |
| Average total loans | $54,654,000 | 4,336 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,276 |
| Cost of funding earning assets | 0.3632% | 3,587 |
| Net interest margin | 3.9509% | 1,913 |
| Noninterest income to average assets | 0.0686% | 5,491 |
| Noninterest expense to average assets | 1.5589% | 5,443 |
| Loan and lease loss provision to assets | 0.0538% | 3,158 |
| Net operating income to assets | 2.2745% | 172 |
| Return on assets (ROA) | 2.2771% | 171 |
| Pretax return on assets | 2.2771% | 279 |
| Return on Equity (ROE) | 13.1638% | 916 |
| Retained earnings to average equity (ytd only) | 3.8333% | 2,922 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1038% | 5,526 |
| Assets per employee ($millions) | 8.1812% | 603 |
| Cash dividends to net income (ytd only)* | 70.8801% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,460 |
| Loan loss allowance to noncurrent loans | 50.1416% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9177% | 613 |
| Noncurrent loans to loans | 2.4966% | 537 |
| Net loans and leases to total assets | 75.8485% | 1,627 |
| Net loans and leases to deposits | 91.6262% | 1,579 |
| Net loans and leases to core deposits | 139.1885% | 220 |
| Total domestic deposits to total assets | 82.7804% | 3,633 |
| Equity capital to assets | 17.1585% | 385 |
| Core capital (leverage) ratio | 17.1765% | 360 |
| Tier 1 risk-based capital ratio | 21.3153% | 1,094 |
| Total risk-based capital ratio | 22.4828% | 1,085 |
| Memoranda: | ||
| Average total assets | $74,347,600 | 4,704 |
| Average earning assets | $71,856,600 | 4,630 |
| Average equity | $12,861,000 | 4,001 |
| Average total loans | $54,542,200 | 4,345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,468 |
| Cost of funding earning assets | 0.3599% | 3,569 |
| Net interest margin | 3.8811% | 2,105 |
| Noninterest income to average assets | 0.0734% | 5,548 |
| Noninterest expense to average assets | 1.4903% | 5,523 |
| Loan and lease loss provision to assets | 0.0537% | 3,023 |
| Net operating income to assets | 2.2721% | 185 |
| Return on assets (ROA) | 2.2756% | 183 |
| Pretax return on assets | 2.2756% | 307 |
| Return on Equity (ROE) | 13.1289% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.1289% | 214 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0530% | 5,601 |
| Assets per employee ($millions) | 8.2426% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,329 |
| Loan loss allowance to noncurrent loans | 47.7755% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9695% | 663 |
| Noncurrent loans to loans | 2.7337% | 518 |
| Net loans and leases to total assets | 71.1039% | 2,389 |
| Net loans and leases to deposits | 87.1045% | 2,169 |
| Net loans and leases to core deposits | 131.0875% | 323 |
| Total domestic deposits to total assets | 81.6306% | 3,888 |
| Equity capital to assets | 18.3074% | 310 |
| Core capital (leverage) ratio | 18.3537% | 282 |
| Tier 1 risk-based capital ratio | 23.1481% | 934 |
| Total risk-based capital ratio | 24.3270% | 925 |
| Memoranda: | ||
| Average total assets | $74,526,750 | 4,749 |
| Average earning assets | $71,867,750 | 4,672 |
| Average equity | $12,917,750 | 4,035 |
| Average total loans | $54,038,750 | 4,396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 2,477 |
| Cost of funding earning assets | 0.3550% | 3,531 |
| Net interest margin | 3.8437% | 2,115 |
| Noninterest income to average assets | 0.0697% | 5,600 |
| Noninterest expense to average assets | 1.4067% | 5,623 |
| Loan and lease loss provision to assets | 0.0536% | 2,903 |
| Net operating income to assets | 2.3231% | 169 |
| Return on assets (ROA) | 2.3285% | 164 |
| Pretax return on assets | 2.3285% | 282 |
| Return on Equity (ROE) | 13.6886% | 875 |
| Retained earnings to average equity (ytd only) | 13.6886% | 206 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1813% | 5,677 |
| Assets per employee ($millions) | 8.3559% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,552 |
| Loan loss allowance to noncurrent loans | 35.7588% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.5584% | 412 |
| Noncurrent loans to loans | 3.5619% | 312 |
| Net loans and leases to total assets | 70.9121% | 2,390 |
| Net loans and leases to deposits | 86.0768% | 2,205 |
| Net loans and leases to core deposits | 90.7170% | 2,460 |
| Total domestic deposits to total assets | 82.3824% | 3,775 |
| Equity capital to assets | 17.5911% | 355 |
| Core capital (leverage) ratio | 17.2453% | 350 |
| Tier 1 risk-based capital ratio | 22.1713% | 1,029 |
| Total risk-based capital ratio | 23.3179% | 1,026 |
| Memoranda: | ||
| Average total assets | $74,641,330 | 4,774 |
| Average earning assets | $72,117,330 | 4,695 |
| Average equity | $12,696,670 | 4,079 |
| Average total loans | $54,236,670 | 4,412 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 2,569 |
| Cost of funding earning assets | 0.3237% | 3,812 |
| Net interest margin | 3.8003% | 2,110 |
| Noninterest income to average assets | 0.0861% | 5,625 |
| Noninterest expense to average assets | 1.4094% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3400% | 181 |
| Return on assets (ROA) | 2.3400% | 181 |
| Pretax return on assets | 2.3400% | 279 |
| Return on Equity (ROE) | 13.9978% | 810 |
| Retained earnings to average equity (ytd only) | 13.9978% | 296 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5897% | 5,730 |
| Assets per employee ($millions) | 8.4667% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.8596% | 2,241 |
| Net loans and leases to deposits | 85.0462% | 2,157 |
| Net loans and leases to core deposits | 91.0079% | 2,267 |
| Total domestic deposits to total assets | 83.3189% | 3,733 |
| Equity capital to assets | 16.6325% | 418 |
| Core capital (leverage) ratio | 17.1003% | 359 |
| Tier 1 risk-based capital ratio | 21.3010% | 1,172 |
| Total risk-based capital ratio | 22.4067% | 1,177 |
| Memoranda: | ||
| Average total assets | $74,360,500 | 4,823 |
| Average earning assets | $71,678,000 | 4,753 |
| Average equity | $12,430,500 | 4,144 |
| Average total loans | $54,347,000 | 4,441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,748 |
| Cost of funding earning assets | 0.3161% | 3,891 |
| Net interest margin | 3.8111% | 2,276 |
| Noninterest income to average assets | 0.0779% | 5,701 |
| Noninterest expense to average assets | 1.7789% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9191% | 370 |
| Return on assets (ROA) | 2.0112% | 326 |
| Pretax return on assets | 2.0112% | 491 |
| Return on Equity (ROE) | 11.2921% | 1,470 |
| Retained earnings to average equity (ytd only) | 2.5447% | 4,068 |
| Net charge-offs to loans | -0.0041% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1042% | 5,571 |
| Assets per employee ($millions) | 8.0579% | 596 |
| Cash dividends to net income (ytd only)* | 77.4648% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.5828% | 1,916 |
| Net loans and leases to deposits | 88.4885% | 1,868 |
| Net loans and leases to core deposits | 95.0399% | 2,004 |
| Total domestic deposits to total assets | 83.1552% | 3,715 |
| Equity capital to assets | 16.8048% | 410 |
| Core capital (leverage) ratio | 17.2333% | 343 |
| Tier 1 risk-based capital ratio | 20.5698% | 1,281 |
| Total risk-based capital ratio | 21.6750% | 1,274 |
| Memoranda: | ||
| Average total assets | $70,606,200 | 4,924 |
| Average earning assets | $67,067,600 | 4,865 |
| Average equity | $12,575,200 | 4,156 |
| Average total loans | $48,359,400 | 4,621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 2,606 |
| Cost of funding earning assets | 0.3195% | 3,875 |
| Net interest margin | 3.8516% | 2,152 |
| Noninterest income to average assets | 0.0818% | 5,762 |
| Noninterest expense to average assets | 1.7492% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9773% | 353 |
| Return on assets (ROA) | 2.0971% | 310 |
| Pretax return on assets | 2.0971% | 469 |
| Return on Equity (ROE) | 11.6051% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.6051% | 346 |
| Net charge-offs to loans | -0.0057% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9388% | 5,632 |
| Assets per employee ($millions) | 7.0648% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.0846% | 3,512 |
| Net loans and leases to deposits | 77.7394% | 3,213 |
| Net loans and leases to core deposits | 84.2097% | 3,101 |
| Total domestic deposits to total assets | 81.1488% | 4,209 |
| Equity capital to assets | 18.8087% | 281 |
| Core capital (leverage) ratio | 19.2909% | 221 |
| Tier 1 risk-based capital ratio | 26.0624% | 711 |
| Total risk-based capital ratio | 27.3125% | 695 |
| Memoranda: | ||
| Average total assets | $70,127,500 | 4,973 |
| Average earning assets | $66,359,750 | 4,923 |
| Average equity | $12,672,250 | 4,179 |
| Average total loans | $46,941,500 | 4,705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 1,871 |
| Cost of funding earning assets | 0.3262% | 3,835 |
| Net interest margin | 4.0588% | 1,481 |
| Noninterest income to average assets | 0.0858% | 5,824 |
| Noninterest expense to average assets | 1.7926% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1357% | 253 |
| Return on assets (ROA) | 2.1471% | 263 |
| Pretax return on assets | 2.1471% | 421 |
| Return on Equity (ROE) | 12.0478% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.0478% | 318 |
| Net charge-offs to loans | -0.0084% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6332% | 5,767 |
| Assets per employee ($millions) | 6.7968% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,539 |
| Loan loss allowance to noncurrent loans | 742.2222% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,979 |
| Noncurrent loans to loans | 0.2150% | 4,580 |
| Net loans and leases to total assets | 60.6168% | 3,799 |
| Net loans and leases to deposits | 75.0250% | 3,476 |
| Net loans and leases to core deposits | 83.2122% | 3,146 |
| Total domestic deposits to total assets | 80.7954% | 4,333 |
| Equity capital to assets | 19.1678% | 250 |
| Core capital (leverage) ratio | 18.3265% | 267 |
| Tier 1 risk-based capital ratio | 27.0688% | 646 |
| Total risk-based capital ratio | 28.3207% | 628 |
| Memoranda: | ||
| Average total assets | $69,954,000 | 5,023 |
| Average earning assets | $66,225,670 | 4,973 |
| Average equity | $12,467,000 | 4,238 |
| Average total loans | $47,510,000 | 4,723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,932 |
| Cost of funding earning assets | 0.3225% | 3,915 |
| Net interest margin | 4.0377% | 1,513 |
| Noninterest income to average assets | 0.0958% | 5,836 |
| Noninterest expense to average assets | 1.6519% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2552% | 215 |
| Return on assets (ROA) | 2.2552% | 227 |
| Pretax return on assets | 2.2552% | 340 |
| Return on Equity (ROE) | 13.1293% | 1,007 |
| Retained earnings to average equity (ytd only) | 13.1293% | 378 |
| Net charge-offs to loans | -0.0159% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2799% | 5,915 |
| Assets per employee ($millions) | 7.1555% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,846 |
| Loan loss allowance to noncurrent loans | 742.2222% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 5,065 |
| Noncurrent loans to loans | 0.1767% | 4,778 |
| Net loans and leases to total assets | 70.2537% | 2,298 |
| Net loans and leases to deposits | 88.2611% | 1,800 |
| Net loans and leases to core deposits | 94.3524% | 1,957 |
| Total domestic deposits to total assets | 79.5975% | 4,837 |
| Equity capital to assets | 17.5837% | 368 |
| Core capital (leverage) ratio | 17.7743% | 306 |
| Tier 1 risk-based capital ratio | 22.5742% | 1,080 |
| Total risk-based capital ratio | 23.7792% | 1,059 |
| Memoranda: | ||
| Average total assets | $70,947,000 | 5,049 |
| Average earning assets | $66,969,000 | 5,002 |
| Average equity | $12,186,500 | 4,299 |
| Average total loans | $50,331,000 | 4,663 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,751 |
| Cost of funding earning assets | 0.3234% | 3,985 |
| Net interest margin | 3.8234% | 2,290 |
| Noninterest income to average assets | 0.0973% | 5,882 |
| Noninterest expense to average assets | 2.0468% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6818% | 598 |
| Return on assets (ROA) | 1.6818% | 615 |
| Pretax return on assets | 1.6818% | 1,040 |
| Return on Equity (ROE) | 9.9285% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.9285% | 467 |
| Net charge-offs to loans | 0.0269% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 100.5455% | 570 |
| Efficiency ratio | 54.8940% | 5,453 |
| Assets per employee ($millions) | 6.3945% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 2,713 |
| Loan loss allowance to noncurrent loans | 740.0000% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,086 |
| Noncurrent loans to loans | 0.1810% | 4,771 |
| Net loans and leases to total assets | 69.7451% | 2,406 |
| Net loans and leases to deposits | 89.9652% | 1,620 |
| Net loans and leases to core deposits | 96.4683% | 1,801 |
| Total domestic deposits to total assets | 77.5246% | 5,237 |
| Equity capital to assets | 16.7631% | 434 |
| Core capital (leverage) ratio | 18.2612% | 278 |
| Tier 1 risk-based capital ratio | 21.5561% | 1,213 |
| Total risk-based capital ratio | 22.7413% | 1,199 |
| Memoranda: | ||
| Average total assets | $65,761,200 | 5,185 |
| Average earning assets | $62,456,800 | 5,115 |
| Average equity | $11,139,600 | 4,449 |
| Average total loans | $40,935,800 | 4,968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 2,707 |
| Cost of funding earning assets | 0.3317% | 3,969 |
| Net interest margin | 3.8306% | 2,265 |
| Noninterest income to average assets | 0.0846% | 6,007 |
| Noninterest expense to average assets | 2.0304% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7002% | 624 |
| Return on assets (ROA) | 1.7002% | 646 |
| Pretax return on assets | 1.7002% | 1,103 |
| Return on Equity (ROE) | 10.0088% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.0088% | 632 |
| Net charge-offs to loans | 0.0516% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 54.9320% | 981 |
| Efficiency ratio | 54.4248% | 5,480 |
| Assets per employee ($millions) | 5.3508% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,721 |
| Loan loss allowance to noncurrent loans | 424.3590% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 4,790 |
| Noncurrent loans to loans | 0.3817% | 4,243 |
| Net loans and leases to total assets | 62.6117% | 3,520 |
| Net loans and leases to deposits | 76.0643% | 3,299 |
| Net loans and leases to core deposits | 82.5693% | 3,188 |
| Total domestic deposits to total assets | 82.3143% | 4,065 |
| Equity capital to assets | 17.6499% | 372 |
| Core capital (leverage) ratio | 18.2304% | 285 |
| Tier 1 risk-based capital ratio | 24.2986% | 916 |
| Total risk-based capital ratio | 25.5494% | 902 |
| Memoranda: | ||
| Average total assets | $64,616,750 | 5,275 |
| Average earning assets | $61,502,500 | 5,209 |
| Average equity | $10,976,750 | 4,536 |
| Average total loans | $38,738,750 | 5,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,119 |
| Cost of funding earning assets | 0.3331% | 4,013 |
| Net interest margin | 3.7090% | 2,670 |
| Noninterest income to average assets | 0.0772% | 6,099 |
| Noninterest expense to average assets | 1.9768% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6432% | 691 |
| Return on assets (ROA) | 1.6432% | 720 |
| Pretax return on assets | 1.6432% | 1,209 |
| Return on Equity (ROE) | 9.7992% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.7992% | 703 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6075% | 5,533 |
| Assets per employee ($millions) | 5.4928% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,948 |
| Loan loss allowance to noncurrent loans | 509.0226% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,065 |
| Noncurrent loans to loans | 0.3120% | 4,572 |
| Net loans and leases to total assets | 63.6536% | 3,316 |
| Net loans and leases to deposits | 76.0031% | 3,272 |
| Net loans and leases to core deposits | 82.2022% | 3,154 |
| Total domestic deposits to total assets | 83.7513% | 3,666 |
| Equity capital to assets | 16.2259% | 497 |
| Core capital (leverage) ratio | 17.4016% | 337 |
| Tier 1 risk-based capital ratio | 22.8495% | 1,100 |
| Total risk-based capital ratio | 24.0990% | 1,077 |
| Memoranda: | ||
| Average total assets | $64,752,330 | 5,329 |
| Average earning assets | $61,849,000 | 5,258 |
| Average equity | $10,858,000 | 4,591 |
| Average total loans | $38,030,000 | 5,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,558 |
| Cost of funding earning assets | 0.3389% | 3,994 |
| Net interest margin | 3.5713% | 3,121 |
| Noninterest income to average assets | 0.0686% | 6,180 |
| Noninterest expense to average assets | 1.7578% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7266% | 556 |
| Return on assets (ROA) | 1.7266% | 588 |
| Pretax return on assets | 1.7266% | 1,000 |
| Return on Equity (ROE) | 10.1284% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.1284% | 891 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4472% | 5,891 |
| Assets per employee ($millions) | 5.8998% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 1,512 |
| Loan loss allowance to noncurrent loans | 670.2970% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 5,330 |
| Noncurrent loans to loans | 0.2674% | 4,820 |
| Net loans and leases to total assets | 57.1620% | 4,066 |
| Net loans and leases to deposits | 69.0408% | 3,853 |
| Net loans and leases to core deposits | 74.8376% | 3,706 |
| Total domestic deposits to total assets | 82.7945% | 4,238 |
| Equity capital to assets | 17.1746% | 406 |
| Core capital (leverage) ratio | 17.5419% | 318 |
| Tier 1 risk-based capital ratio | 26.2565% | 769 |
| Total risk-based capital ratio | 27.5107% | 749 |
| Memoranda: | ||
| Average total assets | $64,172,000 | 5,391 |
| Average earning assets | $61,378,000 | 5,315 |
| Average equity | $10,939,500 | 4,607 |
| Average total loans | $35,728,500 | 5,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,478 |
| Cost of funding earning assets | 0.4283% | 3,400 |
| Net interest margin | 3.6327% | 3,281 |
| Noninterest income to average assets | 0.1077% | 6,122 |
| Noninterest expense to average assets | 2.1748% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3469% | 1,194 |
| Return on assets (ROA) | 1.4617% | 989 |
| Pretax return on assets | 1.4617% | 1,684 |
| Return on Equity (ROE) | 8.7695% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.7695% | 754 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7544% | 4,946 |
| Assets per employee ($millions) | 5.7678% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 1,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.0222% | 4,780 |
| Net loans and leases to deposits | 62.6288% | 4,668 |
| Net loans and leases to core deposits | 67.9975% | 4,502 |
| Total domestic deposits to total assets | 83.0643% | 4,053 |
| Equity capital to assets | 16.9167% | 427 |
| Core capital (leverage) ratio | 17.3724% | 334 |
| Tier 1 risk-based capital ratio | 28.5481% | 592 |
| Total risk-based capital ratio | 29.8034% | 578 |
| Memoranda: | ||
| Average total assets | $56,647,600 | 5,634 |
| Average earning assets | $53,239,000 | 5,586 |
| Average equity | $9,441,800 | 4,879 |
| Average total loans | $29,572,600 | 5,577 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,105 |
| Cost of funding earning assets | 0.4378% | 3,388 |
| Net interest margin | 3.7279% | 2,912 |
| Noninterest income to average assets | 0.1092% | 6,209 |
| Noninterest expense to average assets | 2.1474% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4535% | 1,019 |
| Return on assets (ROA) | 1.6112% | 765 |
| Pretax return on assets | 1.6112% | 1,296 |
| Return on Equity (ROE) | 9.7084% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.7084% | 775 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6361% | 5,236 |
| Assets per employee ($millions) | 5.5859% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.0959% | 5,104 |
| Net loans and leases to deposits | 58.5631% | 5,059 |
| Net loans and leases to core deposits | 65.0067% | 4,801 |
| Total domestic deposits to total assets | 83.8343% | 3,824 |
| Equity capital to assets | 16.1217% | 545 |
| Core capital (leverage) ratio | 18.2851% | 285 |
| Tier 1 risk-based capital ratio | 30.3362% | 506 |
| Total risk-based capital ratio | 31.5943% | 501 |
| Memoranda: | ||
| Average total assets | $54,948,000 | 5,737 |
| Average earning assets | $51,466,500 | 5,696 |
| Average equity | $9,119,000 | 4,982 |
| Average total loans | $28,545,000 | 5,683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,344 |
| Cost of funding earning assets | 0.4517% | 3,310 |
| Net interest margin | 3.9069% | 2,135 |
| Noninterest income to average assets | 0.1213% | 6,194 |
| Noninterest expense to average assets | 2.2204% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5384% | 817 |
| Return on assets (ROA) | 1.7847% | 523 |
| Pretax return on assets | 1.7847% | 872 |
| Return on Equity (ROE) | 10.6361% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.6361% | 594 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0726% | 5,419 |
| Assets per employee ($millions) | 4.9747% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.1440% | 4,840 |
| Net loans and leases to deposits | 61.8511% | 4,707 |
| Net loans and leases to core deposits | 69.7165% | 4,295 |
| Total domestic deposits to total assets | 82.6889% | 4,418 |
| Equity capital to assets | 17.2490% | 387 |
| Core capital (leverage) ratio | 19.4655% | 222 |
| Tier 1 risk-based capital ratio | 32.4752% | 424 |
| Total risk-based capital ratio | 33.7364% | 419 |
| Memoranda: | ||
| Average total assets | $52,782,330 | 5,839 |
| Average earning assets | $49,143,670 | 5,809 |
| Average equity | $8,856,670 | 5,067 |
| Average total loans | $27,778,670 | 5,759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,898 |
| Cost of funding earning assets | 0.4637% | 3,276 |
| Net interest margin | 4.0075% | 1,732 |
| Noninterest income to average assets | 0.1312% | 6,193 |
| Noninterest expense to average assets | 2.2620% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6058% | 662 |
| Return on assets (ROA) | 1.9223% | 401 |
| Pretax return on assets | 1.9223% | 624 |
| Return on Equity (ROE) | 11.6280% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.6280% | 661 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4830% | 5,601 |
| Assets per employee ($millions) | 5.2112% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4730% | 837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.2339% | 4,758 |
| Net loans and leases to deposits | 61.9064% | 4,557 |
| Net loans and leases to core deposits | 69.7175% | 4,126 |
| Total domestic deposits to total assets | 82.7602% | 4,683 |
| Equity capital to assets | 17.0230% | 396 |
| Core capital (leverage) ratio | 19.1979% | 239 |
| Tier 1 risk-based capital ratio | 33.7910% | 391 |
| Total risk-based capital ratio | 35.0536% | 381 |
| Memoranda: | ||
| Average total assets | $51,812,500 | 5,918 |
| Average earning assets | $48,309,500 | 5,885 |
| Average equity | $8,565,500 | 5,159 |
| Average total loans | $27,336,000 | 5,834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,507 |
| Cost of funding earning assets | 0.4470% | 4,144 |
| Net interest margin | 4.2766% | 1,159 |
| Noninterest income to average assets | 0.1029% | 6,379 |
| Noninterest expense to average assets | 2.0184% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.0865% | 295 |
| Return on assets (ROA) | 1.5022% | 858 |
| Pretax return on assets | 1.5022% | 1,441 |
| Return on Equity (ROE) | 7.0685% | 3,534 |
| Retained earnings to average equity (ytd only) | -63.2264% | 6,784 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1710% | 6,433 |
| Assets per employee ($millions) | 5.1513% | 2,011 |
| Cash dividends to net income (ytd only)* | 994.4751% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4802% | 842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.6743% | 4,897 |
| Net loans and leases to deposits | 61.7038% | 4,750 |
| Net loans and leases to core deposits | 69.4868% | 4,346 |
| Total domestic deposits to total assets | 83.7459% | 4,265 |
| Equity capital to assets | 16.0348% | 523 |
| Core capital (leverage) ratio | 18.3375% | 280 |
| Tier 1 risk-based capital ratio | 33.0096% | 397 |
| Total risk-based capital ratio | 34.2698% | 390 |
| Memoranda: | ||
| Average total assets | $60,244,400 | 5,746 |
| Average earning assets | $56,377,000 | 5,690 |
| Average equity | $12,803,200 | 4,299 |
| Average total loans | $27,428,600 | 5,873 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 2,491 |
| Cost of funding earning assets | 0.4368% | 4,426 |
| Net interest margin | 3.9949% | 1,963 |
| Noninterest income to average assets | 0.0961% | 6,489 |
| Noninterest expense to average assets | 1.8304% | 6,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9969% | 364 |
| Return on assets (ROA) | 1.2451% | 1,570 |
| Pretax return on assets | 1.2451% | 2,528 |
| Return on Equity (ROE) | 5.5765% | 4,431 |
| Retained earnings to average equity (ytd only) | -80.5107% | 6,874 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8237% | 6,510 |
| Assets per employee ($millions) | 5.5110% | 1,610 |
| Cash dividends to net income (ytd only)* | 1,543.7470% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5671% | 865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.6249% | 5,480 |
| Net loans and leases to deposits | 55.3879% | 5,421 |
| Net loans and leases to core deposits | 62.2215% | 5,096 |
| Total domestic deposits to total assets | 84.1789% | 4,121 |
| Equity capital to assets | 15.6142% | 614 |
| Core capital (leverage) ratio | 17.1506% | 376 |
| Tier 1 risk-based capital ratio | 32.3419% | 430 |
| Total risk-based capital ratio | 33.6039% | 421 |
| Memoranda: | ||
| Average total assets | $62,427,250 | 5,753 |
| Average earning assets | $58,306,750 | 5,704 |
| Average equity | $13,939,000 | 4,126 |
| Average total loans | $27,461,750 | 5,926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 2,443 |
| Cost of funding earning assets | 0.4289% | 4,673 |
| Net interest margin | 4.0049% | 1,841 |
| Noninterest income to average assets | 0.0925% | 6,551 |
| Noninterest expense to average assets | 1.7513% | 6,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0843% | 310 |
| Return on assets (ROA) | 2.1367% | 306 |
| Pretax return on assets | 2.1367% | 475 |
| Return on Equity (ROE) | 8.8185% | 2,694 |
| Retained earnings to average equity (ytd only) | -105.7072% | 6,928 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6592% | 6,651 |
| Assets per employee ($millions) | 5.4385% | 1,646 |
| Cash dividends to net income (ytd only)* | 1,298.7013% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3619% | 1,151 |
| Loan loss allowance to noncurrent loans | 22,566.6667% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,553 |
| Noncurrent loans to loans | 0.0105% | 6,403 |
| Net loans and leases to total assets | 46.7813% | 5,448 |
| Net loans and leases to deposits | 57.6793% | 5,187 |
| Net loans and leases to core deposits | 64.8394% | 4,809 |
| Total domestic deposits to total assets | 81.1059% | 5,314 |
| Equity capital to assets | 15.1998% | 673 |
| Core capital (leverage) ratio | 15.9000% | 478 |
| Tier 1 risk-based capital ratio | 29.9765% | 520 |
| Total risk-based capital ratio | 31.2357% | 516 |
| Memoranda: | ||
| Average total assets | $64,866,330 | 5,727 |
| Average earning assets | $60,625,330 | 5,672 |
| Average equity | $15,717,000 | 3,819 |
| Average total loans | $27,825,000 | 5,943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,525 |
| Cost of funding earning assets | 0.4075% | 5,035 |
| Net interest margin | 3.9926% | 1,820 |
| Noninterest income to average assets | 0.0890% | 6,615 |
| Noninterest expense to average assets | 1.5492% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2615% | 212 |
| Return on assets (ROA) | 2.3624% | 202 |
| Pretax return on assets | 2.3624% | 321 |
| Return on Equity (ROE) | 8.3662% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.3662% | 1,620 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6542% | 6,858 |
| Assets per employee ($millions) | 5.8488% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.4359% | 5,814 |
| Net loans and leases to deposits | 60.6267% | 4,722 |
| Net loans and leases to core deposits | 68.8124% | 4,208 |
| Total domestic deposits to total assets | 69.9955% | 6,762 |
| Equity capital to assets | 29.6999% | 66 |
| Core capital (leverage) ratio | 27.3769% | 69 |
| Tier 1 risk-based capital ratio | 56.7103% | 104 |
| Total risk-based capital ratio | 57.9688% | 102 |
| Memoranda: | ||
| Average total assets | $67,388,000 | 5,700 |
| Average earning assets | $62,816,500 | 5,648 |
| Average equity | $19,029,000 | 3,376 |
| Average total loans | $27,406,000 | 6,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 3,842 |
| Cost of funding earning assets | 0.4325% | 5,702 |
| Net interest margin | 3.9595% | 2,568 |
| Noninterest income to average assets | 0.0918% | 6,536 |
| Noninterest expense to average assets | 1.9066% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9541% | 391 |
| Return on assets (ROA) | 2.0555% | 354 |
| Pretax return on assets | 2.0555% | 541 |
| Return on Equity (ROE) | 6.6612% | 3,833 |
| Retained earnings to average equity (ytd only) | -0.0924% | 5,864 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3847% | 6,629 |
| Assets per employee ($millions) | 6.4035% | 1,049 |
| Cash dividends to net income (ytd only)* | 101.3867% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5230% | 1,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.1328% | 6,362 |
| Net loans and leases to deposits | 57.6136% | 5,282 |
| Net loans and leases to core deposits | 65.3214% | 4,804 |
| Total domestic deposits to total assets | 64.4515% | 6,927 |
| Equity capital to assets | 26.9027% | 78 |
| Core capital (leverage) ratio | 28.6342% | 67 |
| Tier 1 risk-based capital ratio | 54.8568% | 119 |
| Total risk-based capital ratio | 56.1157% | 118 |
| Memoranda: | ||
| Average total assets | $63,148,000 | 5,851 |
| Average earning assets | $60,109,000 | 5,742 |
| Average equity | $19,486,000 | 3,260 |
| Average total loans | $24,460,000 | 6,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 3,547 |
| Cost of funding earning assets | 0.4575% | 5,739 |
| Net interest margin | 4.0651% | 2,229 |
| Noninterest income to average assets | 0.0978% | 6,620 |
| Noninterest expense to average assets | 1.9219% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0394% | 366 |
| Return on assets (ROA) | 2.1502% | 345 |
| Pretax return on assets | 2.1502% | 527 |
| Return on Equity (ROE) | 6.7208% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.6435% | 4,978 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5181% | 6,689 |
| Assets per employee ($millions) | 5.5259% | 1,613 |
| Cash dividends to net income (ytd only)* | 60.6675% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0402% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.5203% | 6,577 |
| Net loans and leases to deposits | 55.6785% | 5,660 |
| Net loans and leases to core deposits | 60.2192% | 5,533 |
| Total domestic deposits to total assets | 63.7953% | 7,021 |
| Equity capital to assets | 32.1247% | 62 |
| Core capital (leverage) ratio | 31.9246% | 60 |
| Tier 1 risk-based capital ratio | 67.6795% | 78 |
| Total risk-based capital ratio | 68.9449% | 77 |
| Memoranda: | ||
| Average total assets | $61,325,250 | 5,957 |
| Average earning assets | $58,283,500 | 5,870 |
| Average equity | $19,620,000 | 3,276 |
| Average total loans | $23,866,750 | 6,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 3,343 |
| Cost of funding earning assets | 0.4959% | 5,651 |
| Net interest margin | 4.1072% | 2,061 |
| Noninterest income to average assets | 0.0976% | 6,685 |
| Noninterest expense to average assets | 1.8893% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1136% | 332 |
| Return on assets (ROA) | 2.2600% | 291 |
| Pretax return on assets | 2.2600% | 447 |
| Return on Equity (ROE) | 7.0734% | 3,740 |
| Retained earnings to average equity (ytd only) | 7.0734% | 2,060 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1974% | 6,820 |
| Assets per employee ($millions) | 5.9874% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9567% | 815 |
| Loan loss allowance to noncurrent loans | 11,283.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,816 |
| Noncurrent loans to loans | 0.0262% | 6,628 |
| Net loans and leases to total assets | 37.1113% | 6,542 |
| Net loans and leases to deposits | 56.0545% | 5,639 |
| Net loans and leases to core deposits | 60.5169% | 5,543 |
| Total domestic deposits to total assets | 66.2057% | 7,042 |
| Equity capital to assets | 33.4903% | 56 |
| Core capital (leverage) ratio | 29.9451% | 63 |
| Tier 1 risk-based capital ratio | 67.7935% | 76 |
| Total risk-based capital ratio | 69.0584% | 76 |
| Memoranda: | ||
| Average total assets | $61,505,330 | 5,992 |
| Average earning assets | $58,482,000 | 5,891 |
| Average equity | $19,651,000 | 3,264 |
| Average total loans | $24,399,670 | 6,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 3,959 |
| Cost of funding earning assets | 0.5057% | 5,778 |
| Net interest margin | 3.9849% | 2,571 |
| Noninterest income to average assets | 0.1027% | 6,732 |
| Noninterest expense to average assets | 1.7843% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1116% | 343 |
| Return on assets (ROA) | 2.2593% | 307 |
| Pretax return on assets | 2.2593% | 483 |
| Return on Equity (ROE) | 7.2389% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.2389% | 2,308 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7990% | 6,910 |
| Assets per employee ($millions) | 5.7709% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7521% | 1,054 |
| Loan loss allowance to noncurrent loans | 11,283.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,908 |
| Noncurrent loans to loans | 0.0244% | 6,716 |
| Net loans and leases to total assets | 37.6843% | 6,512 |
| Net loans and leases to deposits | 57.2488% | 5,461 |
| Net loans and leases to core deposits | 61.5515% | 5,373 |
| Total domestic deposits to total assets | 65.8255% | 7,112 |
| Equity capital to assets | 30.7404% | 59 |
| Core capital (leverage) ratio | 30.6832% | 58 |
| Tier 1 risk-based capital ratio | 61.9295% | 89 |
| Total risk-based capital ratio | 63.1927% | 88 |
| Memoranda: | ||
| Average total assets | $62,321,000 | 5,999 |
| Average earning assets | $59,324,500 | 5,897 |
| Average equity | $19,450,500 | 3,295 |
| Average total loans | $25,151,000 | 6,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 2,796 |
| Cost of funding earning assets | 0.7746% | 5,035 |
| Net interest margin | 4.2445% | 1,909 |
| Noninterest income to average assets | 0.1056% | 6,618 |
| Noninterest expense to average assets | 1.8831% | 6,851 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.2469% | 211 |
| Return on assets (ROA) | 2.2972% | 201 |
| Pretax return on assets | 2.2972% | 304 |
| Return on Equity (ROE) | 7.3766% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,406 |
| Net charge-offs to loans | -0.0736% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5948% | 7,070 |
| Assets per employee ($millions) | 5.5602% | 1,573 |
| Cash dividends to net income (ytd only)* | 27.3723% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6339% | 1,152 |
| Loan loss allowance to noncurrent loans | 8,462.5000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,953 |
| Noncurrent loans to loans | 0.0311% | 6,745 |
| Net loans and leases to total assets | 40.9176% | 6,476 |
| Net loans and leases to deposits | 61.7880% | 5,274 |
| Net loans and leases to core deposits | 66.5904% | 5,199 |
| Total domestic deposits to total assets | 66.2225% | 7,124 |
| Equity capital to assets | 31.6978% | 60 |
| Core capital (leverage) ratio | 30.3822% | 61 |
| Tier 1 risk-based capital ratio | 60.9132% | 93 |
| Total risk-based capital ratio | 62.1763% | 91 |
| Memoranda: | ||
| Average total assets | $59,636,600 | 6,052 |
| Average earning assets | $56,544,000 | 5,960 |
| Average equity | $18,572,200 | 3,348 |
| Average total loans | $24,444,400 | 6,448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 2,142 |
| Cost of funding earning assets | 0.8406% | 4,850 |
| Net interest margin | 4.3763% | 1,471 |
| Noninterest income to average assets | 0.1125% | 6,695 |
| Noninterest expense to average assets | 1.9148% | 6,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.3446% | 196 |
| Return on assets (ROA) | 2.3919% | 191 |
| Pretax return on assets | 2.3919% | 303 |
| Return on Equity (ROE) | 7.7159% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.9939% | 3,178 |
| Net charge-offs to loans | -0.0995% | 7,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9551% | 7,106 |
| Assets per employee ($millions) | 5.4756% | 1,624 |
| Cash dividends to net income (ytd only)* | 35.2776% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1853% | 731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 34.1629% | 6,945 |
| Net loans and leases to deposits | 50.5131% | 6,473 |
| Net loans and leases to core deposits | 54.4120% | 6,428 |
| Total domestic deposits to total assets | 67.6318% | 7,155 |
| Equity capital to assets | 31.8933% | 68 |
| Core capital (leverage) ratio | 29.3163% | 79 |
| Tier 1 risk-based capital ratio | 69.3260% | 81 |
| Total risk-based capital ratio | 70.5914% | 81 |
| Memoranda: | ||
| Average total assets | $59,255,250 | 6,117 |
| Average earning assets | $56,149,500 | 6,026 |
| Average equity | $18,368,500 | 3,382 |
| Average total loans | $24,129,750 | 6,523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 2,652 |
| Cost of funding earning assets | 0.9394% | 4,397 |
| Net interest margin | 4.1667% | 2,168 |
| Noninterest income to average assets | 0.1120% | 6,771 |
| Noninterest expense to average assets | 1.8700% | 6,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2162% | 257 |
| Return on assets (ROA) | 2.2366% | 263 |
| Pretax return on assets | 2.2366% | 387 |
| Return on Equity (ROE) | 7.2866% | 3,301 |
| Retained earnings to average equity (ytd only) | 4.5223% | 3,314 |
| Net charge-offs to loans | -0.1435% | 7,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7641% | 7,164 |
| Assets per employee ($millions) | 5.1297% | 1,953 |
| Cash dividends to net income (ytd only)* | 37.9363% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0210% | 879 |
| Loan loss allowance to noncurrent loans | 67,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,141 |
| Noncurrent loans to loans | 0.0045% | 7,009 |
| Net loans and leases to total assets | 35.3061% | 6,995 |
| Net loans and leases to deposits | 54.9910% | 6,226 |
| Net loans and leases to core deposits | 59.3749% | 6,150 |
| Total domestic deposits to total assets | 64.2033% | 7,311 |
| Equity capital to assets | 30.2814% | 80 |
| Core capital (leverage) ratio | 29.8515% | 83 |
| Tier 1 risk-based capital ratio | 63.6537% | 97 |
| Total risk-based capital ratio | 64.9167% | 97 |
| Memoranda: | ||
| Average total assets | $58,929,670 | 6,175 |
| Average earning assets | $56,207,000 | 6,078 |
| Average equity | $18,088,000 | 3,405 |
| Average total loans | $25,088,330 | 6,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 2,502 |
| Cost of funding earning assets | 0.9671% | 4,452 |
| Net interest margin | 4.1667% | 2,007 |
| Noninterest income to average assets | 0.1388% | 6,718 |
| Noninterest expense to average assets | 1.8606% | 7,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2563% | 239 |
| Return on assets (ROA) | 2.2563% | 255 |
| Pretax return on assets | 2.2563% | 364 |
| Return on Equity (ROE) | 7.2985% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.4914% | 3,478 |
| Net charge-offs to loans | -0.2724% | 7,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1939% | 7,238 |
| Assets per employee ($millions) | 5.1740% | 1,930 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6554% | 1,252 |
| Loan loss allowance to noncurrent loans | 67,700.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,216 |
| Noncurrent loans to loans | 0.0039% | 7,081 |
| Net loans and leases to total assets | 43.6061% | 6,501 |
| Net loans and leases to deposits | 69.7292% | 4,388 |
| Net loans and leases to core deposits | 77.1200% | 4,143 |
| Total domestic deposits to total assets | 62.5365% | 7,394 |
| Equity capital to assets | 31.5072% | 72 |
| Core capital (leverage) ratio | 30.6149% | 75 |
| Tier 1 risk-based capital ratio | 57.5558% | 113 |
| Total risk-based capital ratio | 58.8168% | 112 |
| Memoranda: | ||
| Average total assets | $57,616,500 | 6,272 |
| Average earning assets | $55,008,000 | 6,162 |
| Average equity | $17,812,000 | 3,428 |
| Average total loans | $26,427,500 | 6,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 4,796 |
| Cost of funding earning assets | 1.0690% | 5,320 |
| Net interest margin | 3.8792% | 3,595 |
| Noninterest income to average assets | 0.1173% | 6,822 |
| Noninterest expense to average assets | 1.9592% | 7,085 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8436% | 376 |
| Return on assets (ROA) | 1.8570% | 401 |
| Pretax return on assets | 1.8570% | 672 |
| Return on Equity (ROE) | 6.1227% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.4480% | 4,163 |
| Net charge-offs to loans | -0.7806% | 7,597 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5205% | 7,023 |
| Assets per employee ($millions) | 5.3017% | 1,753 |
| Cash dividends to net income (ytd only)* | 60.0181% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 1,536 |
| Loan loss allowance to noncurrent loans | 65,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,274 |
| Noncurrent loans to loans | 0.0037% | 7,162 |
| Net loans and leases to total assets | 45.7844% | 6,575 |
| Net loans and leases to deposits | 86.9173% | 1,952 |
| Net loans and leases to core deposits | 97.7665% | 1,819 |
| Total domestic deposits to total assets | 52.6758% | 7,555 |
| Equity capital to assets | 30.3366% | 78 |
| Core capital (leverage) ratio | 31.0386% | 81 |
| Tier 1 risk-based capital ratio | 54.6294% | 126 |
| Total risk-based capital ratio | 55.8906% | 123 |
| Memoranda: | ||
| Average total assets | $59,666,000 | 6,214 |
| Average earning assets | $56,687,000 | 6,110 |
| Average equity | $18,096,600 | 3,410 |
| Average total loans | $22,931,800 | 6,780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 4,576 |
| Cost of funding earning assets | 1.0848% | 5,522 |
| Net interest margin | 3.9690% | 3,241 |
| Noninterest income to average assets | 0.1178% | 6,960 |
| Noninterest expense to average assets | 1.9132% | 7,186 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9687% | 354 |
| Return on assets (ROA) | 1.9821% | 374 |
| Pretax return on assets | 1.9821% | 640 |
| Return on Equity (ROE) | 6.5354% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.5354% | 2,070 |
| Net charge-offs to loans | -0.8919% | 7,700 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2845% | 7,196 |
| Assets per employee ($millions) | 4.5513% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8006% | 1,004 |
| Loan loss allowance to noncurrent loans | 83.0239% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 4,405 |
| Noncurrent loans to loans | 3.3733% | 2,363 |
| Net loans and leases to total assets | 39.7803% | 7,087 |
| Net loans and leases to deposits | 69.0525% | 5,269 |
| Net loans and leases to core deposits | 77.4380% | 4,869 |
| Total domestic deposits to total assets | 57.6087% | 7,623 |
| Equity capital to assets | 34.2580% | 68 |
| Core capital (leverage) ratio | 32.2183% | 73 |
| Tier 1 risk-based capital ratio | 66.2717% | 91 |
| Total risk-based capital ratio | 67.5350% | 89 |
| Memoranda: | ||
| Average total assets | $60,002,750 | 6,271 |
| Average earning assets | $56,905,750 | 6,169 |
| Average equity | $18,197,750 | 3,440 |
| Average total loans | $21,824,750 | 6,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 4,318 |
| Cost of funding earning assets | 1.0447% | 5,944 |
| Net interest margin | 4.0810% | 2,648 |
| Noninterest income to average assets | 0.1197% | 7,006 |
| Noninterest expense to average assets | 1.9159% | 7,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1230% | 269 |
| Return on assets (ROA) | 2.1327% | 286 |
| Pretax return on assets | 2.1327% | 459 |
| Return on Equity (ROE) | 7.3113% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.3113% | 1,713 |
| Net charge-offs to loans | -1.2287% | 7,766 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4359% | 7,373 |
| Assets per employee ($millions) | 4.8454% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 1,232 |
| Loan loss allowance to noncurrent loans | 30,650.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,421 |
| Noncurrent loans to loans | 0.0083% | 7,314 |
| Net loans and leases to total assets | 40.1823% | 7,154 |
| Net loans and leases to deposits | 71.6819% | 5,045 |
| Net loans and leases to core deposits | 80.0439% | 4,693 |
| Total domestic deposits to total assets | 56.0564% | 7,710 |
| Equity capital to assets | 32.1335% | 71 |
| Core capital (leverage) ratio | 29.5964% | 84 |
| Tier 1 risk-based capital ratio | 58.4670% | 117 |
| Total risk-based capital ratio | 59.7267% | 114 |
| Memoranda: | ||
| Average total assets | $61,798,670 | 6,242 |
| Average earning assets | $59,347,670 | 6,122 |
| Average equity | $18,027,000 | 3,463 |
| Average total loans | $21,649,000 | 6,985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 5,211 |
| Cost of funding earning assets | 1.0068% | 6,342 |
| Net interest margin | 3.9489% | 3,108 |
| Noninterest income to average assets | 0.1069% | 7,164 |
| Noninterest expense to average assets | 1.8483% | 7,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0558% | 317 |
| Return on assets (ROA) | 2.0621% | 342 |
| Pretax return on assets | 2.0621% | 543 |
| Return on Equity (ROE) | 7.4131% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.4131% | 1,967 |
| Net charge-offs to loans | -0.9763% | 7,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3430% | 7,484 |
| Assets per employee ($millions) | 5.3002% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5428% | 1,241 |
| Loan loss allowance to noncurrent loans | 815.3846% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 7,229 |
| Noncurrent loans to loans | 0.3119% | 6,693 |
| Net loans and leases to total assets | 31.9377% | 7,567 |
| Net loans and leases to deposits | 61.9582% | 6,280 |
| Net loans and leases to core deposits | 69.1342% | 5,988 |
| Total domestic deposits to total assets | 51.5471% | 7,827 |
| Equity capital to assets | 28.4173% | 98 |
| Core capital (leverage) ratio | 26.8436% | 107 |
| Tier 1 risk-based capital ratio | 59.9804% | 109 |
| Total risk-based capital ratio | 61.2383% | 108 |
| Memoranda: | ||
| Average total assets | $63,625,500 | 6,254 |
| Average earning assets | $61,181,000 | 6,122 |
| Average equity | $17,698,500 | 3,540 |
| Average total loans | $20,485,000 | 7,129 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 6,875 |
| Cost of funding earning assets | 1.3165% | 6,254 |
| Net interest margin | 3.5180% | 4,876 |
| Noninterest income to average assets | 0.1167% | 7,177 |
| Noninterest expense to average assets | 1.7933% | 7,615 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6944% | 448 |
| Return on assets (ROA) | 1.7868% | 387 |
| Pretax return on assets | 1.7868% | 653 |
| Return on Equity (ROE) | 6.2206% | 3,116 |
| Retained earnings to average equity (ytd only) | -5.1989% | 6,047 |
| Net charge-offs to loans | 0.7825% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 7.1575% | 2,209 |
| Efficiency ratio | 51.4179% | 7,437 |
| Assets per employee ($millions) | 4.8961% | 2,345 |
| Cash dividends to net income (ytd only)* | 183.5753% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,367 |
| Loan loss allowance to noncurrent loans | 375.0000% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 6,957 |
| Noncurrent loans to loans | 0.6360% | 5,962 |
| Net loans and leases to total assets | 30.8677% | 7,692 |
| Net loans and leases to deposits | 57.6886% | 6,807 |
| Net loans and leases to core deposits | 77.5887% | 6,292 |
| Total domestic deposits to total assets | 53.5075% | 7,883 |
| Equity capital to assets | 27.2165% | 123 |
| Core capital (leverage) ratio | 27.3347% | 127 |
| Tier 1 risk-based capital ratio | 60.6112% | 112 |
| Total risk-based capital ratio | 61.8674% | 110 |
| Memoranda: | ||
| Average total assets | $61,672,800 | 6,281 |
| Average earning assets | $59,096,800 | 6,158 |
| Average equity | $17,715,200 | 3,547 |
| Average total loans | $18,658,200 | 7,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 7,005 |
| Cost of funding earning assets | 1.3755% | 6,313 |
| Net interest margin | 3.4774% | 4,961 |
| Noninterest income to average assets | 0.1199% | 7,292 |
| Noninterest expense to average assets | 1.6563% | 7,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7914% | 454 |
| Return on assets (ROA) | 1.8960% | 389 |
| Pretax return on assets | 1.8960% | 663 |
| Return on Equity (ROE) | 6.5118% | 3,292 |
| Retained earnings to average equity (ytd only) | -2.6421% | 5,849 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0405% | 7,662 |
| Assets per employee ($millions) | 4.7388% | 2,492 |
| Cash dividends to net income (ytd only)* | 140.5752% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5254% | 408 |
| Loan loss allowance to noncurrent loans | 295.2830% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 6,624 |
| Noncurrent loans to loans | 1.1939% | 4,952 |
| Net loans and leases to total assets | 27.8083% | 7,850 |
| Net loans and leases to deposits | 49.9883% | 7,411 |
| Net loans and leases to core deposits | 67.0778% | 7,111 |
| Total domestic deposits to total assets | 55.6295% | 7,930 |
| Equity capital to assets | 29.3634% | 123 |
| Core capital (leverage) ratio | 29.2152% | 126 |
| Tier 1 risk-based capital ratio | 69.4142% | 93 |
| Total risk-based capital ratio | 70.6783% | 92 |
| Memoranda: | ||
| Average total assets | $61,178,750 | 6,351 |
| Average earning assets | $58,548,750 | 6,235 |
| Average equity | $17,813,250 | 3,560 |
| Average total loans | $18,291,000 | 7,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 6,994 |
| Cost of funding earning assets | 1.4245% | 6,401 |
| Net interest margin | 3.4910% | 4,842 |
| Noninterest income to average assets | 0.1245% | 7,356 |
| Noninterest expense to average assets | 1.6580% | 7,872 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7989% | 468 |
| Return on assets (ROA) | 1.9464% | 369 |
| Pretax return on assets | 1.9464% | 640 |
| Return on Equity (ROE) | 6.7038% | 3,325 |
| Retained earnings to average equity (ytd only) | -7.0988% | 6,575 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9621% | 7,760 |
| Assets per employee ($millions) | 4.5898% | 2,626 |
| Cash dividends to net income (ytd only)* | 205.8923% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5510% | 361 |
| Loan loss allowance to noncurrent loans | 295.2830% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,565 |
| Noncurrent loans to loans | 1.2026% | 4,808 |
| Net loans and leases to total assets | 28.4960% | 7,921 |
| Net loans and leases to deposits | 45.9354% | 7,636 |
| Net loans and leases to core deposits | 62.8507% | 7,344 |
| Total domestic deposits to total assets | 62.0349% | 7,890 |
| Equity capital to assets | 29.4496% | 142 |
| Core capital (leverage) ratio | 28.7785% | 150 |
| Tier 1 risk-based capital ratio | 70.2580% | 103 |
| Total risk-based capital ratio | 71.5252% | 102 |
| Memoranda: | ||
| Average total assets | $61,037,000 | 6,410 |
| Average earning assets | $58,264,330 | 6,304 |
| Average equity | $17,721,330 | 3,586 |
| Average total loans | $18,469,000 | 7,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 6,846 |
| Cost of funding earning assets | 1.4423% | 6,603 |
| Net interest margin | 3.5921% | 4,346 |
| Noninterest income to average assets | 0.1102% | 7,484 |
| Noninterest expense to average assets | 1.6396% | 7,875 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8924% | 442 |
| Return on assets (ROA) | 1.9118% | 466 |
| Pretax return on assets | 1.9118% | 778 |
| Return on Equity (ROE) | 6.6307% | 3,760 |
| Retained earnings to average equity (ytd only) | -20.8586% | 7,671 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4220% | 7,826 |
| Assets per employee ($millions) | 4.7702% | 2,334 |
| Cash dividends to net income (ytd only)* | 414.5763% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3073% | 374 |
| Loan loss allowance to noncurrent loans | 139.7321% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 5,351 |
| Noncurrent loans to loans | 2.3669% | 2,777 |
| Net loans and leases to total assets | 29.5132% | 7,923 |
| Net loans and leases to deposits | 51.3539% | 7,442 |
| Net loans and leases to core deposits | 69.5444% | 7,050 |
| Total domestic deposits to total assets | 57.4702% | 8,017 |
| Equity capital to assets | 28.1844% | 169 |
| Core capital (leverage) ratio | 26.8590% | 192 |
| Tier 1 risk-based capital ratio | 65.5758% | 121 |
| Total risk-based capital ratio | 66.8420% | 121 |
| Memoranda: | ||
| Average total assets | $61,721,500 | 6,412 |
| Average earning assets | $58,795,500 | 6,309 |
| Average equity | $17,796,000 | 3,594 |
| Average total loans | $18,889,000 | 7,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8129% | 6,382 |
| Cost of funding earning assets | 2.2113% | 5,550 |
| Net interest margin | 3.6017% | 4,878 |
| Noninterest income to average assets | 0.1268% | 7,480 |
| Noninterest expense to average assets | 1.6608% | 7,904 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8789% | 455 |
| Return on assets (ROA) | 1.8835% | 435 |
| Pretax return on assets | 1.8835% | 793 |
| Return on Equity (ROE) | 7.0339% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.7941% | 2,771 |
| Net charge-offs to loans | -0.5386% | 8,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9201% | 7,880 |
| Assets per employee ($millions) | 4.7254% | 2,291 |
| Cash dividends to net income (ytd only)* | 46.0591% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3210% | 329 |
| Loan loss allowance to noncurrent loans | 153.4314% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 5,230 |
| Noncurrent loans to loans | 2.1645% | 2,549 |
| Net loans and leases to total assets | 29.6663% | 7,992 |
| Net loans and leases to deposits | 50.9079% | 7,586 |
| Net loans and leases to core deposits | 67.9037% | 7,295 |
| Total domestic deposits to total assets | 58.2745% | 8,005 |
| Equity capital to assets | 29.4872% | 180 |
| Core capital (leverage) ratio | 29.1236% | 196 |
| Tier 1 risk-based capital ratio | 69.2170% | 121 |
| Total risk-based capital ratio | 70.4798% | 121 |
| Memoranda: | ||
| Average total assets | $64,666,200 | 6,204 |
| Average earning assets | $61,277,200 | 6,123 |
| Average equity | $17,316,200 | 3,681 |
| Average total loans | $20,792,800 | 7,278 |