Home > First National Bank of Lake Jackson > Performance and Condition Ratios
First National Bank of Lake Jackson, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,358 |
| Cost of funding earning assets | 2.0560% | 1,762 |
| Net interest margin | 1.7103% | 4,354 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 1.7068% | 4,021 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | -0.1004% | 4,230 |
| Return on assets (ROA) | -0.1004% | 4,257 |
| Pretax return on assets | -0.1004% | 4,247 |
| Return on Equity (ROE) | -21.1500% | 4,427 |
| Retained earnings to average equity (ytd only) | -21.1471% | 4,391 |
| Net charge-offs to loans | 0.0459% | 1,204 |
| Credit loss provision to net charge-offs | 1,250.0000% | 296 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 4,422 |
| Efficiency ratio | 100.3341% | 258 |
| Assets per employee ($millions) | 7.4000% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 2,522 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 17.3100% | 4,308 |
| Net loans and leases to deposits | 17.5194% | 4,330 |
| Net loans and leases to core deposits | 18.3064% | 4,311 |
| Total domestic deposits to total assets | 98.8100% | 8 |
| Equity capital to assets | 0.8596% | 4,461 |
| Core capital (leverage) ratio | 10.5189% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3721% | 158 |
| Memoranda: | ||
| Average total assets | $211,153,500 | 2,947 |
| Average earning assets | $197,856,000 | 2,932 |
| Average equity | $1,002,500 | 4,418 |
| Average total loans | $34,829,500 | 4,018 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,384 |
| Cost of funding earning assets | 2.3087% | 1,517 |
| Net interest margin | 1.3751% | 4,389 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 1.5068% | 4,255 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | -0.2634% | 4,303 |
| Return on assets (ROA) | -0.2634% | 4,329 |
| Pretax return on assets | -0.2634% | 4,305 |
| Return on Equity (ROE) | -695.7000% | 4,489 |
| Retained earnings to average equity (ytd only) | -695.7041% | 4,515 |
| Net charge-offs to loans | 0.9427% | 161 |
| Credit loss provision to net charge-offs | 111.4983% | 1,751 |
| Earnings coverage of net charge-offs (x) | -0.8432% | 4,417 |
| Efficiency ratio | 107.8241% | 196 |
| Assets per employee ($millions) | 7.9669% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,693 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 15.3500% | 4,339 |
| Net loans and leases to deposits | 15.4279% | 4,356 |
| Net loans and leases to core deposits | 15.8981% | 4,335 |
| Total domestic deposits to total assets | 99.4700% | 7 |
| Equity capital to assets | 0.1041% | 4,487 |
| Core capital (leverage) ratio | 10.5796% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2343% | 151 |
| Memoranda: | ||
| Average total assets | $221,324,600 | 2,873 |
| Average earning assets | $212,196,400 | 2,819 |
| Average equity | $83,800 | 4,449 |
| Average total loans | $30,444,600 | 4,089 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 4,410 |
| Cost of funding earning assets | 2.3651% | 1,419 |
| Net interest margin | 1.3205% | 4,427 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 1.4632% | 4,284 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | -0.2991% | 4,346 |
| Return on assets (ROA) | -0.2991% | 4,366 |
| Pretax return on assets | -0.2991% | 4,358 |
| Return on Equity (ROE) | -1,367.4900% | 4,519 |
| Retained earnings to average equity (ytd only) | -1,367.4872% | 4,544 |
| Net charge-offs to loans | 1.2834% | 104 |
| Credit loss provision to net charge-offs | 104.8951% | 1,617 |
| Earnings coverage of net charge-offs (x) | -0.6259% | 4,460 |
| Efficiency ratio | 107.8959% | 190 |
| Assets per employee ($millions) | 7.8430% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 2,733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 15.2600% | 4,372 |
| Net loans and leases to deposits | 16.5231% | 4,385 |
| Net loans and leases to core deposits | 17.0977% | 4,368 |
| Total domestic deposits to total assets | 92.3400% | 145 |
| Equity capital to assets | 2.1847% | 4,514 |
| Core capital (leverage) ratio | 10.4274% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2938% | 138 |
| Memoranda: | ||
| Average total assets | $222,879,250 | 2,850 |
| Average earning assets | $215,462,750 | 2,791 |
| Average equity | $48,750 | 4,478 |
| Average total loans | $29,711,250 | 4,118 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 4,441 |
| Cost of funding earning assets | 2.3163% | 1,415 |
| Net interest margin | 1.2660% | 4,455 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 1.4372% | 4,315 |
| Loan and lease loss provision to assets | 0.2800% | 362 |
| Net operating income to assets | -0.4110% | 4,391 |
| Return on assets (ROA) | -0.4110% | 4,420 |
| Pretax return on assets | -0.4110% | 4,407 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 1.9637% | 74 |
| Credit loss provision to net charge-offs | 104.8951% | 1,451 |
| Earnings coverage of net charge-offs (x) | -0.5245% | 4,483 |
| Efficiency ratio | 110.0200% | 186 |
| Assets per employee ($millions) | 8.7456% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,526 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 12.7100% | 4,400 |
| Net loans and leases to deposits | 14.4686% | 4,413 |
| Net loans and leases to core deposits | 14.9730% | 4,389 |
| Total domestic deposits to total assets | 87.8200% | 1,380 |
| Equity capital to assets | -0.5205% | 4,556 |
| Core capital (leverage) ratio | 10.2794% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1776% | 125 |
| Memoranda: | ||
| Average total assets | $229,200,000 | 2,808 |
| Average earning assets | $222,426,667 | 2,749 |
| Average equity | $-1,420,000 | 4,540 |
| Average total loans | $29,128,000 | 4,140 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,404 |
| Cost of funding earning assets | 2.3617% | 1,234 |
| Net interest margin | 1.3749% | 4,469 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 1.4973% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.0762% | 4,332 |
| Return on assets (ROA) | -0.0762% | 4,323 |
| Pretax return on assets | -0.0762% | 4,307 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 105.3616% | 233 |
| Assets per employee ($millions) | 7.5781% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,462 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 12.9000% | 4,424 |
| Net loans and leases to deposits | 14.7473% | 4,427 |
| Net loans and leases to core deposits | 15.3010% | 4,451 |
| Total domestic deposits to total assets | 87.4700% | 1,613 |
| Equity capital to assets | -0.8896% | 4,586 |
| Core capital (leverage) ratio | 9.8036% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7581% | 130 |
| Memoranda: | ||
| Average total assets | $225,734,000 | 2,837 |
| Average earning assets | $218,488,000 | 2,776 |
| Average equity | $-1,515,500 | 4,569 |
| Average total loans | $28,515,500 | 4,174 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9906% | 4,524 |
| Cost of funding earning assets | 1.7599% | 1,325 |
| Net interest margin | 1.2307% | 4,533 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.4823% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2149% | 4,464 |
| Return on assets (ROA) | -0.2149% | 4,450 |
| Pretax return on assets | -0.2149% | 4,433 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0299% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -58.1250% | 4,584 |
| Efficiency ratio | 116.9522% | 85 |
| Assets per employee ($millions) | 8.5816% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,419 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 12.0900% | 4,443 |
| Net loans and leases to deposits | 13.7690% | 4,447 |
| Net loans and leases to core deposits | 14.4450% | 4,468 |
| Total domestic deposits to total assets | 87.8100% | 1,417 |
| Equity capital to assets | -0.4644% | 4,606 |
| Core capital (leverage) ratio | 10.6933% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5260% | 127 |
| Memoranda: | ||
| Average total assets | $216,415,200 | 2,865 |
| Average earning assets | $208,587,200 | 2,813 |
| Average equity | $-1,101,000 | 4,585 |
| Average total loans | $26,778,000 | 4,185 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 4,542 |
| Cost of funding earning assets | 1.5486% | 1,483 |
| Net interest margin | 1.3862% | 4,540 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.5133% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0909% | 4,470 |
| Return on assets (ROA) | -0.0909% | 4,456 |
| Pretax return on assets | -0.0909% | 4,441 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0404% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -18.1250% | 4,606 |
| Efficiency ratio | 106.3933% | 120 |
| Assets per employee ($millions) | 7.2718% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 2,735 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 14.3800% | 4,460 |
| Net loans and leases to deposits | 16.0510% | 4,468 |
| Net loans and leases to core deposits | 16.9928% | 4,455 |
| Total domestic deposits to total assets | 89.6000% | 1,040 |
| Equity capital to assets | -2.5755% | 4,629 |
| Core capital (leverage) ratio | 11.3373% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8736% | 134 |
| Memoranda: | ||
| Average total assets | $212,593,250 | 2,897 |
| Average earning assets | $205,249,750 | 2,840 |
| Average equity | $-1,107,250 | 4,614 |
| Average total loans | $26,385,250 | 4,211 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 4,575 |
| Cost of funding earning assets | 1.1760% | 2,061 |
| Net interest margin | 1.6975% | 4,556 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.4899% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2282% | 4,247 |
| Return on assets (ROA) | 0.2282% | 4,271 |
| Pretax return on assets | 0.2282% | 4,288 |
| Return on Equity (ROE) | 181.1000% | 10 |
| Retained earnings to average equity (ytd only) | 181.1043% | 6 |
| Net charge-offs to loans | 0.0632% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,534 |
| Efficiency ratio | 86.7171% | 467 |
| Assets per employee ($millions) | 7.0093% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,370 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 13.3600% | 4,493 |
| Net loans and leases to deposits | 14.6774% | 4,499 |
| Net loans and leases to core deposits | 15.3753% | 4,488 |
| Total domestic deposits to total assets | 90.9900% | 652 |
| Equity capital to assets | -0.6051% | 4,656 |
| Core capital (leverage) ratio | 11.6101% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2352% | 119 |
| Memoranda: | ||
| Average total assets | $215,587,333 | 2,893 |
| Average earning assets | $207,482,667 | 2,842 |
| Average equity | $271,667 | 4,592 |
| Average total loans | $25,308,333 | 4,243 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9296% | 4,574 |
| Cost of funding earning assets | 0.9483% | 2,223 |
| Net interest margin | 1.9813% | 4,567 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.5026% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4925% | 3,917 |
| Return on assets (ROA) | 0.4925% | 3,880 |
| Pretax return on assets | 0.4925% | 4,001 |
| Return on Equity (ROE) | 106.8000% | 20 |
| Retained earnings to average equity (ytd only) | 106.7971% | 13 |
| Net charge-offs to loans | 0.1321% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 34.1250% | 1,256 |
| Efficiency ratio | 75.3165% | 1,219 |
| Assets per employee ($millions) | 7.4229% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,102 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 12.3300% | 4,565 |
| Net loans and leases to deposits | 12.5055% | 4,575 |
| Net loans and leases to core deposits | 12.9934% | 4,563 |
| Total domestic deposits to total assets | 98.5700% | 12 |
| Equity capital to assets | 0.4927% | 4,660 |
| Core capital (leverage) ratio | 10.6962% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8393% | 119 |
| Memoranda: | ||
| Average total assets | $221,746,000 | 2,898 |
| Average earning assets | $212,592,000 | 2,843 |
| Average equity | $1,022,500 | 4,644 |
| Average total loans | $24,221,500 | 4,320 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0504% | 4,600 |
| Cost of funding earning assets | 0.4165% | 1,971 |
| Net interest margin | 1.6339% | 4,616 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.2173% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4537% | 4,162 |
| Return on assets (ROA) | 0.4537% | 4,120 |
| Pretax return on assets | 0.4537% | 4,226 |
| Return on Equity (ROE) | 12.3100% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.3507% | 2,512 |
| Net charge-offs to loans | 0.0160% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 392.3333% | 392 |
| Efficiency ratio | 72.8489% | 1,345 |
| Assets per employee ($millions) | 8.4161% | 1,135 |
| Cash dividends to net income (ytd only)* | 48.4282% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,146 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 9.4000% | 4,609 |
| Net loans and leases to deposits | 9.4498% | 4,616 |
| Net loans and leases to core deposits | 9.8937% | 4,601 |
| Total domestic deposits to total assets | 99.4500% | 17 |
| Equity capital to assets | 0.4333% | 4,682 |
| Core capital (leverage) ratio | 10.7114% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2500% | 116 |
| Memoranda: | ||
| Average total assets | $259,420,600 | 2,675 |
| Average earning assets | $252,346,200 | 2,596 |
| Average equity | $9,558,000 | 3,923 |
| Average total loans | $18,774,600 | 4,430 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8930% | 4,628 |
| Cost of funding earning assets | 0.2994% | 2,175 |
| Net interest margin | 1.5936% | 4,630 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.1878% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4422% | 4,178 |
| Return on assets (ROA) | 0.4422% | 4,122 |
| Pretax return on assets | 0.4422% | 4,217 |
| Return on Equity (ROE) | 10.0300% | 2,714 |
| Retained earnings to average equity (ytd only) | 6.2148% | 2,669 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8730% | 1,395 |
| Assets per employee ($millions) | 8.5952% | 1,030 |
| Cash dividends to net income (ytd only)* | 38.0682% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 848 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 8.8400% | 4,655 |
| Net loans and leases to deposits | 8.9273% | 4,660 |
| Net loans and leases to core deposits | 9.4911% | 4,644 |
| Total domestic deposits to total assets | 99.0200% | 30 |
| Equity capital to assets | 0.8453% | 4,700 |
| Core capital (leverage) ratio | 10.4850% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9319% | 112 |
| Memoranda: | ||
| Average total assets | $265,362,750 | 2,653 |
| Average earning assets | $259,613,750 | 2,575 |
| Average equity | $11,692,250 | 3,746 |
| Average total loans | $17,846,250 | 4,473 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7080% | 4,679 |
| Cost of funding earning assets | 0.2077% | 2,814 |
| Net interest margin | 1.5002% | 4,683 |
| Noninterest income to average assets | 0.0702% | 4,584 |
| Noninterest expense to average assets | 1.1027% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4361% | 4,039 |
| Return on assets (ROA) | 0.4361% | 3,996 |
| Pretax return on assets | 0.4361% | 4,107 |
| Return on Equity (ROE) | 8.1417% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.1417% | 1,565 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6612% | 1,759 |
| Assets per employee ($millions) | 9.7335% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 6.3630% | 4,721 |
| Net loans and leases to deposits | 6.4459% | 4,728 |
| Net loans and leases to core deposits | 6.8761% | 4,718 |
| Total domestic deposits to total assets | 98.7137% | 16 |
| Equity capital to assets | 1.1925% | 4,747 |
| Core capital (leverage) ratio | 10.0635% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.0232% | 73 |
| Memoranda: | ||
| Average total assets | $279,325,667 | 2,590 |
| Average earning assets | $273,422,333 | 2,521 |
| Average equity | $14,960,000 | 3,494 |
| Average total loans | $17,095,333 | 4,542 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6537% | 4,691 |
| Cost of funding earning assets | 0.1692% | 3,231 |
| Net interest margin | 1.4845% | 4,703 |
| Noninterest income to average assets | 0.0821% | 4,567 |
| Noninterest expense to average assets | 1.1503% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3844% | 3,991 |
| Return on assets (ROA) | 0.3844% | 3,954 |
| Pretax return on assets | 0.3844% | 4,060 |
| Return on Equity (ROE) | 5.1453% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1453% | 2,536 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9531% | 1,638 |
| Assets per employee ($millions) | 9.7527% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 6.0986% | 4,752 |
| Net loans and leases to deposits | 6.5041% | 4,756 |
| Net loans and leases to core deposits | 7.0461% | 4,746 |
| Total domestic deposits to total assets | 93.7658% | 133 |
| Equity capital to assets | 6.1442% | 4,553 |
| Core capital (leverage) ratio | 9.1084% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4104% | 77 |
| Memoranda: | ||
| Average total assets | $277,852,500 | 2,607 |
| Average earning assets | $271,874,000 | 2,540 |
| Average equity | $20,757,000 | 3,076 |
| Average total loans | $16,490,000 | 4,571 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6267% | 4,738 |
| Cost of funding earning assets | 0.1726% | 3,745 |
| Net interest margin | 1.4542% | 4,728 |
| Noninterest income to average assets | 0.1506% | 4,393 |
| Noninterest expense to average assets | 1.0523% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5233% | 4,030 |
| Return on assets (ROA) | 0.5233% | 4,079 |
| Pretax return on assets | 0.5233% | 4,223 |
| Return on Equity (ROE) | 5.2579% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.2579% | 2,689 |
| Net charge-offs to loans | 0.0054% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,470.0000% | 98 |
| Efficiency ratio | 66.7872% | 2,150 |
| Assets per employee ($millions) | 10.4296% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 5.5580% | 4,797 |
| Net loans and leases to deposits | 6.0853% | 4,798 |
| Net loans and leases to core deposits | 6.5747% | 4,788 |
| Total domestic deposits to total assets | 91.3348% | 374 |
| Equity capital to assets | 8.5543% | 4,016 |
| Core capital (leverage) ratio | 9.5103% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.2754% | 80 |
| Memoranda: | ||
| Average total assets | $280,909,200 | 2,530 |
| Average earning assets | $275,277,800 | 2,456 |
| Average equity | $27,958,000 | 2,653 |
| Average total loans | $18,519,800 | 4,592 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6437% | 4,817 |
| Cost of funding earning assets | 0.1901% | 3,714 |
| Net interest margin | 1.4537% | 4,815 |
| Noninterest income to average assets | 0.1735% | 4,342 |
| Noninterest expense to average assets | 1.0407% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5590% | 4,085 |
| Return on assets (ROA) | 0.5590% | 4,125 |
| Pretax return on assets | 0.5590% | 4,285 |
| Return on Equity (ROE) | 5.4164% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.4164% | 3,068 |
| Net charge-offs to loans | 0.0070% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,166.0000% | 140 |
| Efficiency ratio | 65.0584% | 2,238 |
| Assets per employee ($millions) | 9.8665% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 5.9132% | 4,867 |
| Net loans and leases to deposits | 6.6004% | 4,872 |
| Net loans and leases to core deposits | 7.2230% | 4,861 |
| Total domestic deposits to total assets | 89.5888% | 970 |
| Equity capital to assets | 10.2895% | 2,622 |
| Core capital (leverage) ratio | 9.5668% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8859% | 96 |
| Memoranda: | ||
| Average total assets | $278,129,250 | 2,570 |
| Average earning assets | $272,867,000 | 2,491 |
| Average equity | $28,702,250 | 2,641 |
| Average total loans | $19,005,750 | 4,650 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6450% | 4,858 |
| Cost of funding earning assets | 0.2211% | 3,553 |
| Net interest margin | 1.4240% | 4,855 |
| Noninterest income to average assets | 0.0904% | 4,729 |
| Noninterest expense to average assets | 1.0389% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4470% | 4,305 |
| Return on assets (ROA) | 0.4470% | 4,345 |
| Pretax return on assets | 0.4470% | 4,455 |
| Return on Equity (ROE) | 4.3272% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.3272% | 3,422 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9179% | 1,648 |
| Assets per employee ($millions) | 9.6739% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 6.8553% | 4,904 |
| Net loans and leases to deposits | 7.6333% | 4,910 |
| Net loans and leases to core deposits | 8.3488% | 4,899 |
| Total domestic deposits to total assets | 89.8076% | 869 |
| Equity capital to assets | 10.0954% | 2,769 |
| Core capital (leverage) ratio | 9.1715% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6967% | 105 |
| Memoranda: | ||
| Average total assets | $278,752,000 | 2,558 |
| Average earning assets | $273,183,333 | 2,488 |
| Average equity | $28,794,333 | 2,634 |
| Average total loans | $19,780,667 | 4,672 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6337% | 4,892 |
| Cost of funding earning assets | 0.2451% | 3,516 |
| Net interest margin | 1.3885% | 4,889 |
| Noninterest income to average assets | 0.1137% | 4,624 |
| Noninterest expense to average assets | 1.0437% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4319% | 4,309 |
| Return on assets (ROA) | 0.4319% | 4,339 |
| Pretax return on assets | 0.4319% | 4,450 |
| Return on Equity (ROE) | 4.1336% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.1336% | 3,467 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7317% | 1,628 |
| Assets per employee ($millions) | 9.1115% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 7.0490% | 4,931 |
| Net loans and leases to deposits | 7.8738% | 4,935 |
| Net loans and leases to core deposits | 8.6355% | 4,925 |
| Total domestic deposits to total assets | 89.5242% | 1,058 |
| Equity capital to assets | 10.3759% | 2,373 |
| Core capital (leverage) ratio | 8.4628% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8501% | 128 |
| Memoranda: | ||
| Average total assets | $277,856,500 | 2,556 |
| Average earning assets | $272,518,000 | 2,474 |
| Average equity | $29,030,500 | 2,618 |
| Average total loans | $19,882,000 | 4,696 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2059% | 4,896 |
| Cost of funding earning assets | 0.3992% | 3,584 |
| Net interest margin | 1.8068% | 4,882 |
| Noninterest income to average assets | 0.0802% | 4,798 |
| Noninterest expense to average assets | 1.0558% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7960% | 3,111 |
| Return on assets (ROA) | 0.7960% | 3,226 |
| Pretax return on assets | 0.7960% | 3,633 |
| Return on Equity (ROE) | 7.3284% | 3,063 |
| Retained earnings to average equity (ytd only) | -5.9258% | 4,853 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0163% | 3,857 |
| Assets per employee ($millions) | 10.4581% | 459 |
| Cash dividends to net income (ytd only)* | 180.8608% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 1,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 7.0135% | 4,952 |
| Net loans and leases to deposits | 7.8525% | 4,958 |
| Net loans and leases to core deposits | 8.5977% | 4,950 |
| Total domestic deposits to total assets | 89.3161% | 850 |
| Equity capital to assets | 10.5178% | 2,657 |
| Core capital (leverage) ratio | 8.8520% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6151% | 122 |
| Memoranda: | ||
| Average total assets | $274,380,200 | 2,431 |
| Average earning assets | $269,045,600 | 2,343 |
| Average equity | $29,802,000 | 2,485 |
| Average total loans | $21,946,200 | 4,680 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3312% | 4,931 |
| Cost of funding earning assets | 0.4324% | 3,628 |
| Net interest margin | 1.8989% | 4,917 |
| Noninterest income to average assets | 0.0773% | 4,830 |
| Noninterest expense to average assets | 1.0563% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8806% | 2,772 |
| Return on assets (ROA) | 0.8806% | 2,901 |
| Pretax return on assets | 0.8806% | 3,431 |
| Return on Equity (ROE) | 8.0415% | 2,799 |
| Retained earnings to average equity (ytd only) | -8.1846% | 4,901 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5363% | 4,097 |
| Assets per employee ($millions) | 10.0901% | 494 |
| Cash dividends to net income (ytd only)* | 201.7788% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 7.7883% | 4,985 |
| Net loans and leases to deposits | 8.7892% | 4,989 |
| Net loans and leases to core deposits | 9.6687% | 4,983 |
| Total domestic deposits to total assets | 88.6123% | 935 |
| Equity capital to assets | 11.1902% | 2,239 |
| Core capital (leverage) ratio | 9.2953% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8622% | 153 |
| Memoranda: | ||
| Average total assets | $272,383,000 | 2,422 |
| Average earning assets | $266,749,000 | 2,345 |
| Average equity | $29,827,750 | 2,484 |
| Average total loans | $22,395,250 | 4,702 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4186% | 4,978 |
| Cost of funding earning assets | 0.4696% | 3,705 |
| Net interest margin | 1.9490% | 4,959 |
| Noninterest income to average assets | 0.0822% | 4,834 |
| Noninterest expense to average assets | 1.0647% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9223% | 2,618 |
| Return on assets (ROA) | 0.9223% | 2,737 |
| Pretax return on assets | 0.9223% | 3,252 |
| Return on Equity (ROE) | 8.4841% | 2,564 |
| Retained earnings to average equity (ytd only) | -13.4692% | 4,966 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5846% | 4,223 |
| Assets per employee ($millions) | 10.3080% | 460 |
| Cash dividends to net income (ytd only)* | 258.7580% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 8.1860% | 5,019 |
| Net loans and leases to deposits | 9.2575% | 5,025 |
| Net loans and leases to core deposits | 10.2027% | 5,015 |
| Total domestic deposits to total assets | 88.4253% | 977 |
| Equity capital to assets | 11.4016% | 2,041 |
| Core capital (leverage) ratio | 9.4689% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3016% | 153 |
| Memoranda: | ||
| Average total assets | $272,366,000 | 2,398 |
| Average earning assets | $266,190,667 | 2,331 |
| Average equity | $29,608,333 | 2,490 |
| Average total loans | $22,672,333 | 4,718 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5371% | 5,040 |
| Cost of funding earning assets | 0.5519% | 3,682 |
| Net interest margin | 1.9852% | 5,018 |
| Noninterest income to average assets | 0.0903% | 4,861 |
| Noninterest expense to average assets | 1.0927% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9368% | 2,392 |
| Return on assets (ROA) | 0.9368% | 2,500 |
| Pretax return on assets | 0.9368% | 3,035 |
| Return on Equity (ROE) | 8.8282% | 2,181 |
| Retained earnings to average equity (ytd only) | 2.1006% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8406% | 4,408 |
| Assets per employee ($millions) | 9.4614% | 449 |
| Cash dividends to net income (ytd only)* | 76.2053% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 9.0699% | 5,062 |
| Net loans and leases to deposits | 10.2814% | 5,068 |
| Net loans and leases to core deposits | 11.4321% | 5,059 |
| Total domestic deposits to total assets | 88.2172% | 1,009 |
| Equity capital to assets | 11.6368% | 2,335 |
| Core capital (leverage) ratio | 9.4982% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8856% | 158 |
| Memoranda: | ||
| Average total assets | $274,545,500 | 2,351 |
| Average earning assets | $268,179,500 | 2,272 |
| Average equity | $29,134,000 | 2,506 |
| Average total loans | $22,866,000 | 4,749 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7991% | 5,089 |
| Cost of funding earning assets | 0.6380% | 3,466 |
| Net interest margin | 2.1611% | 5,067 |
| Noninterest income to average assets | 0.0806% | 4,973 |
| Noninterest expense to average assets | 1.0913% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0879% | 2,487 |
| Return on assets (ROA) | 1.1010% | 2,540 |
| Pretax return on assets | 1.1010% | 3,159 |
| Return on Equity (ROE) | 11.9950% | 1,516 |
| Retained earnings to average equity (ytd only) | 2.6430% | 3,715 |
| Net charge-offs to loans | -0.4346% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0771% | 4,727 |
| Assets per employee ($millions) | 9.7990% | 379 |
| Cash dividends to net income (ytd only)* | 77.9661% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 7.3941% | 5,129 |
| Net loans and leases to deposits | 8.2016% | 5,138 |
| Net loans and leases to core deposits | 8.8912% | 5,130 |
| Total domestic deposits to total assets | 90.1546% | 271 |
| Equity capital to assets | 9.6561% | 4,215 |
| Core capital (leverage) ratio | 9.6618% | 3,892 |
| Tier 1 risk-based capital ratio | 41.7365% | 219 |
| Total risk-based capital ratio | 42.2981% | 226 |
| Memoranda: | ||
| Average total assets | $267,937,400 | 2,341 |
| Average earning assets | $260,192,800 | 2,276 |
| Average equity | $24,593,600 | 2,742 |
| Average total loans | $22,317,600 | 4,817 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8815% | 5,174 |
| Cost of funding earning assets | 0.6752% | 3,329 |
| Net interest margin | 2.2063% | 5,145 |
| Noninterest income to average assets | 0.0829% | 5,039 |
| Noninterest expense to average assets | 1.1010% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1247% | 2,474 |
| Return on assets (ROA) | 1.1424% | 2,488 |
| Pretax return on assets | 1.1424% | 3,158 |
| Return on Equity (ROE) | 12.6229% | 1,405 |
| Retained earnings to average equity (ytd only) | 2.5737% | 4,060 |
| Net charge-offs to loans | -0.5852% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4665% | 4,771 |
| Assets per employee ($millions) | 9.4496% | 411 |
| Cash dividends to net income (ytd only)* | 79.6108% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 8.5718% | 5,206 |
| Net loans and leases to deposits | 9.5993% | 5,211 |
| Net loans and leases to core deposits | 10.3729% | 5,202 |
| Total domestic deposits to total assets | 89.2964% | 521 |
| Equity capital to assets | 10.5084% | 3,536 |
| Core capital (leverage) ratio | 10.1193% | 3,509 |
| Tier 1 risk-based capital ratio | 46.1698% | 167 |
| Total risk-based capital ratio | 46.7992% | 171 |
| Memoranda: | ||
| Average total assets | $263,878,750 | 2,387 |
| Average earning assets | $256,295,000 | 2,307 |
| Average equity | $23,882,000 | 2,816 |
| Average total loans | $22,557,500 | 4,887 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8977% | 5,229 |
| Cost of funding earning assets | 0.7337% | 2,977 |
| Net interest margin | 2.1640% | 5,219 |
| Noninterest income to average assets | 0.0975% | 5,048 |
| Noninterest expense to average assets | 1.1065% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0847% | 2,586 |
| Return on assets (ROA) | 1.0847% | 2,652 |
| Pretax return on assets | 1.0847% | 3,276 |
| Return on Equity (ROE) | 12.6344% | 1,357 |
| Retained earnings to average equity (ytd only) | 3.0298% | 3,705 |
| Net charge-offs to loans | -0.8734% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4961% | 4,756 |
| Assets per employee ($millions) | 9.0826% | 450 |
| Cash dividends to net income (ytd only)* | 76.0194% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,315 |
| 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 | 8.7557% | 5,254 |
| Net loans and leases to deposits | 9.7529% | 5,259 |
| Net loans and leases to core deposits | 10.6582% | 5,250 |
| Total domestic deposits to total assets | 89.7750% | 396 |
| Equity capital to assets | 10.0667% | 3,922 |
| Core capital (leverage) ratio | 9.8378% | 3,779 |
| Tier 1 risk-based capital ratio | 43.2341% | 190 |
| Total risk-based capital ratio | 43.8260% | 200 |
| Memoranda: | ||
| Average total assets | $266,792,000 | 2,372 |
| Average earning assets | $258,135,000 | 2,308 |
| Average equity | $22,905,670 | 2,891 |
| Average total loans | $22,670,670 | 4,928 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 5,288 |
| Cost of funding earning assets | 0.7685% | 2,692 |
| Net interest margin | 2.1706% | 5,282 |
| Noninterest income to average assets | 0.1088% | 5,047 |
| Noninterest expense to average assets | 1.1665% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0295% | 2,747 |
| Return on assets (ROA) | 1.0295% | 2,785 |
| Pretax return on assets | 1.0295% | 3,349 |
| Return on Equity (ROE) | 13.0989% | 1,179 |
| Retained earnings to average equity (ytd only) | 3.6207% | 3,470 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1208% | 4,610 |
| Assets per employee ($millions) | 9.3150% | 425 |
| Cash dividends to net income (ytd only)* | 72.3589% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,992 |
| 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 | 8.1041% | 5,317 |
| Net loans and leases to deposits | 8.8621% | 5,318 |
| Net loans and leases to core deposits | 9.6474% | 5,310 |
| Total domestic deposits to total assets | 91.4462% | 104 |
| Equity capital to assets | 8.4169% | 5,034 |
| Core capital (leverage) ratio | 9.3142% | 4,350 |
| Tier 1 risk-based capital ratio | 43.1746% | 183 |
| Total risk-based capital ratio | 43.6030% | 193 |
| Memoranda: | ||
| Average total assets | $268,491,000 | 2,382 |
| Average earning assets | $258,172,000 | 2,331 |
| Average equity | $21,101,000 | 3,061 |
| Average total loans | $22,301,000 | 4,987 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 5,279 |
| Cost of funding earning assets | 0.7039% | 2,066 |
| Net interest margin | 2.1367% | 5,316 |
| Noninterest income to average assets | 0.1054% | 5,136 |
| Noninterest expense to average assets | 1.1377% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0378% | 2,854 |
| Return on assets (ROA) | 1.0573% | 2,756 |
| Pretax return on assets | 1.0573% | 3,417 |
| Return on Equity (ROE) | 13.4427% | 1,198 |
| Retained earnings to average equity (ytd only) | 1.5277% | 4,521 |
| Net charge-offs to loans | -0.0043% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2967% | 4,770 |
| Assets per employee ($millions) | 8.3389% | 592 |
| Cash dividends to net income (ytd only)* | 88.6355% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,040 |
| 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 | 8.3239% | 5,359 |
| Net loans and leases to deposits | 8.9951% | 5,363 |
| Net loans and leases to core deposits | 9.8868% | 5,354 |
| Total domestic deposits to total assets | 92.5384% | 49 |
| Equity capital to assets | 7.2945% | 5,302 |
| Core capital (leverage) ratio | 9.8186% | 3,776 |
| Tier 1 risk-based capital ratio | 41.4507% | 215 |
| Total risk-based capital ratio | 41.8650% | 221 |
| Memoranda: | ||
| Average total assets | $257,175,400 | 2,426 |
| Average earning assets | $249,169,600 | 2,343 |
| Average equity | $20,226,600 | 3,070 |
| Average total loans | $23,505,800 | 4,986 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8257% | 5,349 |
| Cost of funding earning assets | 0.6657% | 2,061 |
| Net interest margin | 2.1601% | 5,389 |
| Noninterest income to average assets | 0.1110% | 5,169 |
| Noninterest expense to average assets | 1.1373% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0813% | 2,745 |
| Return on assets (ROA) | 1.0813% | 2,756 |
| Pretax return on assets | 1.0813% | 3,465 |
| Return on Equity (ROE) | 13.4917% | 1,267 |
| Retained earnings to average equity (ytd only) | 1.0840% | 4,837 |
| Net charge-offs to loans | -0.0056% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2621% | 4,868 |
| Assets per employee ($millions) | 7.5746% | 744 |
| Cash dividends to net income (ytd only)* | 91.9651% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 9.5653% | 5,429 |
| Net loans and leases to deposits | 10.3687% | 5,434 |
| Net loans and leases to core deposits | 11.5206% | 5,426 |
| Total domestic deposits to total assets | 92.2520% | 68 |
| Equity capital to assets | 7.5829% | 5,292 |
| Core capital (leverage) ratio | 9.7339% | 3,915 |
| Tier 1 risk-based capital ratio | 41.2492% | 215 |
| Total risk-based capital ratio | 41.6638% | 225 |
| Memoranda: | ||
| Average total assets | $254,757,750 | 2,457 |
| Average earning assets | $248,567,000 | 2,360 |
| Average equity | $20,417,000 | 3,078 |
| Average total loans | $23,767,000 | 5,034 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7672% | 5,418 |
| Cost of funding earning assets | 0.6042% | 2,202 |
| Net interest margin | 2.1630% | 5,448 |
| Noninterest income to average assets | 0.1082% | 5,247 |
| Noninterest expense to average assets | 1.1310% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0847% | 2,645 |
| Return on assets (ROA) | 1.0847% | 2,653 |
| Pretax return on assets | 1.0847% | 3,373 |
| Return on Equity (ROE) | 13.3106% | 1,263 |
| Retained earnings to average equity (ytd only) | 0.9860% | 4,762 |
| Net charge-offs to loans | -0.0084% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0460% | 4,965 |
| Assets per employee ($millions) | 7.9582% | 635 |
| Cash dividends to net income (ytd only)* | 92.5926% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 9.6312% | 5,492 |
| Net loans and leases to deposits | 10.4248% | 5,497 |
| Net loans and leases to core deposits | 11.3672% | 5,489 |
| Total domestic deposits to total assets | 92.3868% | 55 |
| Equity capital to assets | 7.4785% | 5,379 |
| Core capital (leverage) ratio | 9.7667% | 3,823 |
| Tier 1 risk-based capital ratio | 40.0890% | 226 |
| Total risk-based capital ratio | 40.4930% | 237 |
| Memoranda: | ||
| Average total assets | $258,881,670 | 2,433 |
| Average earning assets | $252,240,000 | 2,343 |
| Average equity | $21,096,000 | 3,006 |
| Average total loans | $23,878,000 | 5,090 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7699% | 5,464 |
| Cost of funding earning assets | 0.5521% | 2,388 |
| Net interest margin | 2.2178% | 5,498 |
| Noninterest income to average assets | 0.1149% | 5,274 |
| Noninterest expense to average assets | 1.1755% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0943% | 2,447 |
| Return on assets (ROA) | 1.0943% | 2,465 |
| Pretax return on assets | 1.0943% | 3,193 |
| Return on Equity (ROE) | 12.9105% | 1,295 |
| Retained earnings to average equity (ytd only) | 1.1572% | 4,586 |
| Net charge-offs to loans | -0.0171% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7893% | 4,974 |
| Assets per employee ($millions) | 7.8387% | 663 |
| Cash dividends to net income (ytd only)* | 91.0364% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 9.2446% | 5,555 |
| Net loans and leases to deposits | 10.0700% | 5,560 |
| Net loans and leases to core deposits | 11.0191% | 5,550 |
| Total domestic deposits to total assets | 91.8027% | 133 |
| Equity capital to assets | 8.0390% | 5,253 |
| Core capital (leverage) ratio | 9.1310% | 4,531 |
| Tier 1 risk-based capital ratio | 41.8385% | 205 |
| Total risk-based capital ratio | 42.2608% | 212 |
| Memoranda: | ||
| Average total assets | $260,991,000 | 2,436 |
| Average earning assets | $253,581,000 | 2,347 |
| Average equity | $22,121,500 | 2,947 |
| Average total loans | $23,429,000 | 5,160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 5,521 |
| Cost of funding earning assets | 0.4030% | 3,225 |
| Net interest margin | 2.2209% | 5,530 |
| Noninterest income to average assets | 0.1080% | 5,383 |
| Noninterest expense to average assets | 1.1723% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0943% | 1,876 |
| Return on assets (ROA) | 1.0943% | 1,895 |
| Pretax return on assets | 1.0943% | 3,211 |
| Return on Equity (ROE) | 11.1838% | 1,410 |
| Retained earnings to average equity (ytd only) | 0.8996% | 4,668 |
| Net charge-offs to loans | 0.0045% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2,735.0000% | 22 |
| Efficiency ratio | 51.7211% | 5,120 |
| Assets per employee ($millions) | 8.2165% | 590 |
| Cash dividends to net income (ytd only)* | 91.9561% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 8.5460% | 5,626 |
| Net loans and leases to deposits | 9.3940% | 5,631 |
| Net loans and leases to core deposits | 10.1587% | 5,621 |
| Total domestic deposits to total assets | 90.9738% | 245 |
| Equity capital to assets | 8.8802% | 4,834 |
| Core capital (leverage) ratio | 9.8961% | 3,588 |
| Tier 1 risk-based capital ratio | 39.5981% | 221 |
| Total risk-based capital ratio | 39.9972% | 236 |
| Memoranda: | ||
| Average total assets | $249,936,600 | 2,493 |
| Average earning assets | $242,920,400 | 2,403 |
| Average equity | $24,455,000 | 2,716 |
| Average total loans | $22,233,000 | 5,247 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6452% | 5,580 |
| Cost of funding earning assets | 0.3911% | 3,287 |
| Net interest margin | 2.2542% | 5,589 |
| Noninterest income to average assets | 0.1095% | 5,445 |
| Noninterest expense to average assets | 1.1789% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1265% | 1,968 |
| Return on assets (ROA) | 1.1265% | 2,031 |
| Pretax return on assets | 1.1265% | 3,202 |
| Return on Equity (ROE) | 11.2261% | 1,598 |
| Retained earnings to average equity (ytd only) | 1.0428% | 4,961 |
| Net charge-offs to loans | 0.0061% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,072.1278% | 36 |
| Efficiency ratio | 51.1348% | 5,171 |
| Assets per employee ($millions) | 7.7175% | 698 |
| Cash dividends to net income (ytd only)* | 90.7113% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 8.6075% | 5,691 |
| Net loans and leases to deposits | 9.6355% | 5,696 |
| Net loans and leases to core deposits | 10.5270% | 5,685 |
| Total domestic deposits to total assets | 89.3310% | 733 |
| Equity capital to assets | 10.5155% | 3,359 |
| Core capital (leverage) ratio | 10.2508% | 3,254 |
| Tier 1 risk-based capital ratio | 44.5020% | 171 |
| Total risk-based capital ratio | 44.9510% | 175 |
| Memoranda: | ||
| Average total assets | $244,635,000 | 2,549 |
| Average earning assets | $238,308,750 | 2,457 |
| Average equity | $24,549,250 | 2,729 |
| Average total loans | $21,936,250 | 5,311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6263% | 5,626 |
| Cost of funding earning assets | 0.3840% | 3,249 |
| Net interest margin | 2.2423% | 5,633 |
| Noninterest income to average assets | 0.1148% | 5,464 |
| Noninterest expense to average assets | 1.1876% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1064% | 1,943 |
| Return on assets (ROA) | 1.1064% | 1,991 |
| Pretax return on assets | 1.1064% | 3,148 |
| Return on Equity (ROE) | 11.2062% | 1,565 |
| Retained earnings to average equity (ytd only) | 0.8224% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7698% | 5,199 |
| Assets per employee ($millions) | 8.0275% | 614 |
| Cash dividends to net income (ytd only)* | 92.6612% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 8.7087% | 5,740 |
| Net loans and leases to deposits | 9.6999% | 5,744 |
| Net loans and leases to core deposits | 10.5798% | 5,735 |
| Total domestic deposits to total assets | 89.7820% | 609 |
| Equity capital to assets | 10.1125% | 3,781 |
| Core capital (leverage) ratio | 10.6708% | 2,737 |
| Tier 1 risk-based capital ratio | 43.0580% | 181 |
| Total risk-based capital ratio | 43.4958% | 185 |
| Memoranda: | ||
| Average total assets | $243,860,330 | 2,561 |
| Average earning assets | $236,986,670 | 2,478 |
| Average equity | $24,076,000 | 2,775 |
| Average total loans | $22,080,000 | 5,350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6807% | 5,652 |
| Cost of funding earning assets | 0.3379% | 3,662 |
| Net interest margin | 2.3428% | 5,640 |
| Noninterest income to average assets | 0.1365% | 5,427 |
| Noninterest expense to average assets | 1.2572% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1460% | 1,689 |
| Return on assets (ROA) | 1.1460% | 1,725 |
| Pretax return on assets | 1.1460% | 2,789 |
| Return on Equity (ROE) | 11.7619% | 1,320 |
| Retained earnings to average equity (ytd only) | 1.3838% | 4,546 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3142% | 5,253 |
| Assets per employee ($millions) | 7.3075% | 817 |
| Cash dividends to net income (ytd only)* | 88.2353% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,619 |
| 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 | 9.4368% | 5,807 |
| Net loans and leases to deposits | 10.5046% | 5,808 |
| Net loans and leases to core deposits | 11.5463% | 5,797 |
| Total domestic deposits to total assets | 89.8353% | 733 |
| Equity capital to assets | 10.0458% | 3,703 |
| Core capital (leverage) ratio | 9.8920% | 3,633 |
| Tier 1 risk-based capital ratio | 43.2900% | 184 |
| Total risk-based capital ratio | 43.7305% | 195 |
| Memoranda: | ||
| Average total assets | $237,350,500 | 2,644 |
| Average earning assets | $229,642,500 | 2,557 |
| Average equity | $23,125,500 | 2,876 |
| Average total loans | $21,810,000 | 5,413 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4976% | 5,757 |
| Cost of funding earning assets | 0.3055% | 4,007 |
| Net interest margin | 2.1921% | 5,754 |
| Noninterest income to average assets | 0.0975% | 5,654 |
| Noninterest expense to average assets | 1.1295% | 5,838 |
| Loan and lease loss provision to assets | 0.0117% | 4,143 |
| Net operating income to assets | 1.0570% | 2,107 |
| Return on assets (ROA) | 1.0570% | 2,209 |
| Pretax return on assets | 1.0570% | 3,273 |
| Return on Equity (ROE) | 9.9516% | 1,976 |
| Retained earnings to average equity (ytd only) | 0.5543% | 5,104 |
| Net charge-offs to loans | 0.0507% | 3,026 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 249.1818% | 287 |
| Efficiency ratio | 51.3835% | 5,416 |
| Assets per employee ($millions) | 7.5269% | 722 |
| Cash dividends to net income (ytd only)* | 94.4301% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,317 |
| 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 | 8.7415% | 5,867 |
| Net loans and leases to deposits | 9.6693% | 5,868 |
| Net loans and leases to core deposits | 10.5905% | 5,857 |
| Total domestic deposits to total assets | 90.4049% | 479 |
| Equity capital to assets | 9.4494% | 4,325 |
| Core capital (leverage) ratio | 10.2879% | 3,123 |
| Tier 1 risk-based capital ratio | 42.3910% | 197 |
| Total risk-based capital ratio | 42.8237% | 203 |
| Memoranda: | ||
| Average total assets | $256,474,600 | 2,457 |
| Average earning assets | $245,797,200 | 2,390 |
| Average equity | $27,241,800 | 2,553 |
| Average total loans | $21,691,200 | 5,456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5068% | 5,822 |
| Cost of funding earning assets | 0.2990% | 4,108 |
| Net interest margin | 2.2078% | 5,815 |
| Noninterest income to average assets | 0.0952% | 5,727 |
| Noninterest expense to average assets | 1.1014% | 5,907 |
| Loan and lease loss provision to assets | 0.0154% | 3,937 |
| Net operating income to assets | 1.0958% | 2,017 |
| Return on assets (ROA) | 1.0958% | 2,119 |
| Pretax return on assets | 1.0958% | 3,246 |
| Return on Equity (ROE) | 10.0601% | 2,026 |
| Retained earnings to average equity (ytd only) | 0.3761% | 5,257 |
| Net charge-offs to loans | 0.0673% | 2,364 |
| Credit loss provision to net charge-offs | 272.7273% | 1,125 |
| Earnings coverage of net charge-offs (x) | 197.2229% | 374 |
| Efficiency ratio | 49.7801% | 5,519 |
| Assets per employee ($millions) | 7.4446% | 738 |
| Cash dividends to net income (ytd only)* | 96.2618% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,614 |
| 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 | 9.0640% | 5,935 |
| Net loans and leases to deposits | 10.3576% | 5,938 |
| Net loans and leases to core deposits | 11.3982% | 5,926 |
| Total domestic deposits to total assets | 87.5103% | 1,658 |
| Equity capital to assets | 12.3596% | 1,863 |
| Core capital (leverage) ratio | 10.2781% | 3,246 |
| Tier 1 risk-based capital ratio | 42.7632% | 196 |
| Total risk-based capital ratio | 43.2010% | 201 |
| Memoranda: | ||
| Average total assets | $260,377,750 | 2,448 |
| Average earning assets | $249,711,750 | 2,376 |
| Average equity | $28,362,250 | 2,513 |
| Average total loans | $21,788,000 | 5,506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5005% | 5,904 |
| Cost of funding earning assets | 0.2910% | 4,238 |
| Net interest margin | 2.2095% | 5,899 |
| Noninterest income to average assets | 0.0934% | 5,802 |
| Noninterest expense to average assets | 1.0995% | 5,988 |
| Loan and lease loss provision to assets | 0.0224% | 3,680 |
| Net operating income to assets | 1.0756% | 2,063 |
| Return on assets (ROA) | 1.0756% | 2,185 |
| Pretax return on assets | 1.0756% | 3,302 |
| Return on Equity (ROE) | 10.2851% | 1,931 |
| Retained earnings to average equity (ytd only) | 0.5000% | 5,151 |
| Net charge-offs to loans | 0.1011% | 1,820 |
| Credit loss provision to net charge-offs | 272.7273% | 1,034 |
| Earnings coverage of net charge-offs (x) | 133.6364% | 448 |
| Efficiency ratio | 50.0340% | 5,557 |
| Assets per employee ($millions) | 8.3415% | 502 |
| Cash dividends to net income (ytd only)* | 95.1389% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 8.4566% | 6,013 |
| Net loans and leases to deposits | 9.5301% | 6,019 |
| Net loans and leases to core deposits | 10.3780% | 6,009 |
| Total domestic deposits to total assets | 88.7355% | 1,049 |
| Equity capital to assets | 11.1682% | 2,884 |
| Core capital (leverage) ratio | 10.0405% | 3,520 |
| Tier 1 risk-based capital ratio | 40.6697% | 222 |
| Total risk-based capital ratio | 41.0862% | 229 |
| Memoranda: | ||
| Average total assets | $267,761,000 | 2,406 |
| Average earning assets | $254,989,330 | 2,347 |
| Average equity | $28,001,670 | 2,534 |
| Average total loans | $21,770,000 | 5,567 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5898% | 5,936 |
| Cost of funding earning assets | 0.2988% | 4,176 |
| Net interest margin | 2.2910% | 5,932 |
| Noninterest income to average assets | 0.0940% | 5,843 |
| Noninterest expense to average assets | 1.1291% | 6,051 |
| Loan and lease loss provision to assets | 0.0447% | 3,031 |
| Net operating income to assets | 1.0814% | 1,981 |
| Return on assets (ROA) | 1.0814% | 2,084 |
| Pretax return on assets | 1.0814% | 3,165 |
| Return on Equity (ROE) | 10.7023% | 1,715 |
| Retained earnings to average equity (ytd only) | 0.3690% | 5,029 |
| Net charge-offs to loans | 0.4519% | 504 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 31.4583% | 1,155 |
| Efficiency ratio | 50.0661% | 5,625 |
| Assets per employee ($millions) | 7.8819% | 593 |
| Cash dividends to net income (ytd only)* | 96.5517% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 8.3673% | 6,075 |
| Net loans and leases to deposits | 9.4206% | 6,079 |
| Net loans and leases to core deposits | 10.3101% | 6,069 |
| Total domestic deposits to total assets | 88.8189% | 1,192 |
| Equity capital to assets | 11.0776% | 2,854 |
| Core capital (leverage) ratio | 8.9672% | 4,902 |
| Tier 1 risk-based capital ratio | 40.3480% | 228 |
| Total risk-based capital ratio | 40.7409% | 238 |
| Memoranda: | ||
| Average total assets | $268,177,500 | 2,405 |
| Average earning assets | $252,992,000 | 2,364 |
| Average equity | $27,097,000 | 2,591 |
| Average total loans | $21,244,000 | 5,635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5259% | 5,989 |
| Cost of funding earning assets | 0.2941% | 4,318 |
| Net interest margin | 2.2318% | 5,980 |
| Noninterest income to average assets | 0.1018% | 5,872 |
| Noninterest expense to average assets | 1.1303% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1007% | 1,925 |
| Return on assets (ROA) | 1.1007% | 1,994 |
| Pretax return on assets | 1.1007% | 3,058 |
| Return on Equity (ROE) | 10.4089% | 1,839 |
| Retained earnings to average equity (ytd only) | 0.8527% | 5,179 |
| Net charge-offs to loans | 0.0418% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 191 |
| Efficiency ratio | 50.6620% | 5,726 |
| Assets per employee ($millions) | 9.7978% | 291 |
| Cash dividends to net income (ytd only)* | 91.8079% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 4,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 7.3620% | 6,139 |
| Net loans and leases to deposits | 8.1233% | 6,142 |
| Net loans and leases to core deposits | 8.7376% | 6,130 |
| Total domestic deposits to total assets | 90.6277% | 397 |
| Equity capital to assets | 9.2400% | 4,856 |
| Core capital (leverage) ratio | 10.0021% | 3,504 |
| Tier 1 risk-based capital ratio | 38.5457% | 249 |
| Total risk-based capital ratio | 38.9121% | 260 |
| Memoranda: | ||
| Average total assets | $257,282,600 | 2,442 |
| Average earning assets | $245,455,400 | 2,377 |
| Average equity | $27,207,600 | 2,527 |
| Average total loans | $19,152,800 | 5,754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5568% | 6,063 |
| Cost of funding earning assets | 0.2985% | 4,356 |
| Net interest margin | 2.2583% | 6,057 |
| Noninterest income to average assets | 0.1070% | 5,930 |
| Noninterest expense to average assets | 1.1462% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1345% | 1,882 |
| Return on assets (ROA) | 1.1345% | 1,956 |
| Pretax return on assets | 1.1345% | 3,078 |
| Return on Equity (ROE) | 10.3571% | 1,944 |
| Retained earnings to average equity (ytd only) | 0.6413% | 5,430 |
| Net charge-offs to loans | -0.0071% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2566% | 5,762 |
| Assets per employee ($millions) | 7.9718% | 546 |
| Cash dividends to net income (ytd only)* | 93.8085% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 8.3510% | 6,221 |
| Net loans and leases to deposits | 9.4726% | 6,227 |
| Net loans and leases to core deposits | 10.4101% | 6,215 |
| Total domestic deposits to total assets | 88.1595% | 1,472 |
| Equity capital to assets | 11.6964% | 2,355 |
| Core capital (leverage) ratio | 10.5956% | 2,929 |
| Tier 1 risk-based capital ratio | 37.1678% | 298 |
| Total risk-based capital ratio | 37.5361% | 315 |
| Memoranda: | ||
| Average total assets | $250,569,500 | 2,525 |
| Average earning assets | $241,183,500 | 2,428 |
| Average equity | $27,446,000 | 2,519 |
| Average total loans | $18,654,000 | 5,846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4925% | 6,168 |
| Cost of funding earning assets | 0.2921% | 4,480 |
| Net interest margin | 2.2004% | 6,146 |
| Noninterest income to average assets | 0.1120% | 5,981 |
| Noninterest expense to average assets | 1.1236% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1041% | 1,940 |
| Return on assets (ROA) | 1.1041% | 2,026 |
| Pretax return on assets | 1.1041% | 3,158 |
| Return on Equity (ROE) | 10.2896% | 1,938 |
| Retained earnings to average equity (ytd only) | 0.5003% | 5,353 |
| Net charge-offs to loans | -0.0109% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4366% | 5,827 |
| Assets per employee ($millions) | 8.7721% | 398 |
| Cash dividends to net income (ytd only)* | 95.1374% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 4,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 7.8214% | 6,300 |
| Net loans and leases to deposits | 8.6975% | 6,303 |
| Net loans and leases to core deposits | 9.4286% | 6,291 |
| Total domestic deposits to total assets | 89.9261% | 690 |
| Equity capital to assets | 9.9683% | 4,075 |
| Core capital (leverage) ratio | 10.4879% | 2,981 |
| Tier 1 risk-based capital ratio | 36.8401% | 318 |
| Total risk-based capital ratio | 37.2060% | 336 |
| Memoranda: | ||
| Average total assets | $257,032,000 | 2,478 |
| Average earning assets | $247,138,000 | 2,396 |
| Average equity | $27,581,330 | 2,507 |
| Average total loans | $18,357,000 | 5,912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 6,186 |
| Cost of funding earning assets | 0.2985% | 4,458 |
| Net interest margin | 2.2874% | 6,166 |
| Noninterest income to average assets | 0.1213% | 5,998 |
| Noninterest expense to average assets | 1.1813% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1246% | 1,776 |
| Return on assets (ROA) | 1.1246% | 1,882 |
| Pretax return on assets | 1.1246% | 2,975 |
| Return on Equity (ROE) | 10.1078% | 1,957 |
| Retained earnings to average equity (ytd only) | 0.3398% | 5,262 |
| Net charge-offs to loans | 0.0467% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 158 |
| Efficiency ratio | 51.2295% | 5,848 |
| Assets per employee ($millions) | 7.1774% | 793 |
| Cash dividends to net income (ytd only)* | 96.6387% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 2,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 6.8903% | 6,372 |
| Net loans and leases to deposits | 7.8332% | 6,375 |
| Net loans and leases to core deposits | 8.5623% | 6,365 |
| Total domestic deposits to total assets | 87.9638% | 1,847 |
| Equity capital to assets | 11.9226% | 2,083 |
| Core capital (leverage) ratio | 9.6432% | 4,095 |
| Tier 1 risk-based capital ratio | 43.3524% | 214 |
| Total risk-based capital ratio | 43.7785% | 223 |
| Memoranda: | ||
| Average total assets | $253,966,000 | 2,527 |
| Average earning assets | $242,545,000 | 2,449 |
| Average equity | $28,255,500 | 2,485 |
| Average total loans | $17,124,500 | 6,009 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5653% | 6,307 |
| Cost of funding earning assets | 0.3376% | 4,394 |
| Net interest margin | 2.2278% | 6,300 |
| Noninterest income to average assets | 0.1026% | 6,146 |
| Noninterest expense to average assets | 1.1248% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1229% | 1,892 |
| Return on assets (ROA) | 1.1229% | 1,950 |
| Pretax return on assets | 1.1229% | 2,997 |
| Return on Equity (ROE) | 11.5835% | 1,530 |
| Retained earnings to average equity (ytd only) | 0.8343% | 5,394 |
| Net charge-offs to loans | 0.1484% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 111.0769% | 476 |
| Efficiency ratio | 50.0432% | 6,091 |
| Assets per employee ($millions) | 8.4712% | 443 |
| Cash dividends to net income (ytd only)* | 92.7978% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 3,197 |
| 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 | 6.4391% | 6,462 |
| Net loans and leases to deposits | 7.1983% | 6,466 |
| Net loans and leases to core deposits | 8.0306% | 6,453 |
| Total domestic deposits to total assets | 89.4529% | 992 |
| Equity capital to assets | 10.4294% | 3,576 |
| Core capital (leverage) ratio | 10.6839% | 2,737 |
| Tier 1 risk-based capital ratio | 41.6939% | 214 |
| Total risk-based capital ratio | 42.1075% | 221 |
| Memoranda: | ||
| Average total assets | $257,198,800 | 2,461 |
| Average earning assets | $247,647,200 | 2,366 |
| Average equity | $24,932,000 | 2,665 |
| Average total loans | $17,515,600 | 6,065 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5853% | 6,383 |
| Cost of funding earning assets | 0.3469% | 4,373 |
| Net interest margin | 2.2383% | 6,369 |
| Noninterest income to average assets | 0.1082% | 6,214 |
| Noninterest expense to average assets | 1.1329% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1450% | 1,881 |
| Return on assets (ROA) | 1.1450% | 1,944 |
| Pretax return on assets | 1.1450% | 3,010 |
| Return on Equity (ROE) | 12.0565% | 1,462 |
| Retained earnings to average equity (ytd only) | 0.7691% | 5,571 |
| Net charge-offs to loans | 0.1984% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 83.7975% | 683 |
| Efficiency ratio | 49.7347% | 6,110 |
| Assets per employee ($millions) | 7.7974% | 562 |
| Cash dividends to net income (ytd only)* | 93.6209% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 3,352 |
| 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 | 7.3760% | 6,541 |
| Net loans and leases to deposits | 8.2721% | 6,544 |
| Net loans and leases to core deposits | 9.9246% | 6,532 |
| Total domestic deposits to total assets | 89.1665% | 1,141 |
| Equity capital to assets | 10.7049% | 3,293 |
| Core capital (leverage) ratio | 9.8524% | 3,870 |
| Tier 1 risk-based capital ratio | 43.9149% | 190 |
| Total risk-based capital ratio | 44.3517% | 198 |
| Memoranda: | ||
| Average total assets | $253,728,750 | 2,509 |
| Average earning assets | $245,952,250 | 2,393 |
| Average equity | $24,097,000 | 2,751 |
| Average total loans | $17,471,250 | 6,126 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5318% | 6,469 |
| Cost of funding earning assets | 0.3407% | 4,529 |
| Net interest margin | 2.1911% | 6,455 |
| Noninterest income to average assets | 0.1091% | 6,248 |
| Noninterest expense to average assets | 1.1155% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1132% | 1,885 |
| Return on assets (ROA) | 1.1132% | 1,956 |
| Pretax return on assets | 1.1132% | 3,046 |
| Return on Equity (ROE) | 12.1855% | 1,371 |
| Retained earnings to average equity (ytd only) | 0.5803% | 5,508 |
| Net charge-offs to loans | 0.0344% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 483.0000% | 146 |
| Efficiency ratio | 50.0517% | 6,172 |
| Assets per employee ($millions) | 9.0802% | 320 |
| Cash dividends to net income (ytd only)* | 95.2381% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 2,918 |
| Loan loss allowance to noncurrent loans | 357.5342% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,134 |
| Noncurrent loans to loans | 0.4185% | 4,732 |
| Net loans and leases to total assets | 6.3071% | 6,611 |
| Net loans and leases to deposits | 6.9754% | 6,615 |
| Net loans and leases to core deposits | 8.1185% | 6,602 |
| Total domestic deposits to total assets | 90.4191% | 614 |
| Equity capital to assets | 9.4506% | 4,791 |
| Core capital (leverage) ratio | 10.1116% | 3,455 |
| Tier 1 risk-based capital ratio | 44.1708% | 182 |
| Total risk-based capital ratio | 44.6529% | 192 |
| Memoranda: | ||
| Average total assets | $260,331,000 | 2,455 |
| Average earning assets | $251,834,670 | 2,341 |
| Average equity | $23,782,330 | 2,767 |
| Average total loans | $17,464,330 | 6,173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 6,503 |
| Cost of funding earning assets | 0.3580% | 4,460 |
| Net interest margin | 2.2740% | 6,490 |
| Noninterest income to average assets | 0.1306% | 6,199 |
| Noninterest expense to average assets | 1.1672% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1514% | 1,626 |
| Return on assets (ROA) | 1.1514% | 1,697 |
| Pretax return on assets | 1.1514% | 2,691 |
| Return on Equity (ROE) | 12.8413% | 1,197 |
| Retained earnings to average equity (ytd only) | 0.5614% | 5,357 |
| Net charge-offs to loans | 0.0687% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 201 |
| Efficiency ratio | 50.3392% | 6,233 |
| Assets per employee ($millions) | 8.2867% | 424 |
| Cash dividends to net income (ytd only)* | 95.6284% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 3,189 |
| 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 | 6.9481% | 6,680 |
| Net loans and leases to deposits | 7.6728% | 6,684 |
| Net loans and leases to core deposits | 9.1824% | 6,670 |
| Total domestic deposits to total assets | 90.5551% | 772 |
| Equity capital to assets | 9.3335% | 4,721 |
| Core capital (leverage) ratio | 8.9840% | 5,035 |
| Tier 1 risk-based capital ratio | 44.6653% | 179 |
| Total risk-based capital ratio | 45.1536% | 186 |
| Memoranda: | ||
| Average total assets | $254,293,000 | 2,510 |
| Average earning assets | $244,684,000 | 2,402 |
| Average equity | $22,801,500 | 2,862 |
| Average total loans | $17,475,500 | 6,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6452% | 6,572 |
| Cost of funding earning assets | 0.4833% | 3,785 |
| Net interest margin | 2.1619% | 6,594 |
| Noninterest income to average assets | 0.1046% | 6,373 |
| Noninterest expense to average assets | 1.1683% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0157% | 2,262 |
| Return on assets (ROA) | 1.0157% | 2,321 |
| Pretax return on assets | 1.0157% | 3,291 |
| Return on Equity (ROE) | 9.2842% | 2,421 |
| Retained earnings to average equity (ytd only) | 1.0605% | 5,359 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4949% | 6,178 |
| Assets per employee ($millions) | 7.8784% | 499 |
| Cash dividends to net income (ytd only)* | 88.5772% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,118 |
| 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 | 6.5977% | 6,760 |
| Net loans and leases to deposits | 7.2308% | 6,763 |
| Net loans and leases to core deposits | 8.5730% | 6,752 |
| Total domestic deposits to total assets | 91.2438% | 486 |
| Equity capital to assets | 8.6158% | 5,466 |
| Core capital (leverage) ratio | 10.5582% | 2,840 |
| Tier 1 risk-based capital ratio | 43.5103% | 184 |
| Total risk-based capital ratio | 43.9919% | 190 |
| Memoranda: | ||
| Average total assets | $245,648,600 | 2,571 |
| Average earning assets | $236,277,600 | 2,455 |
| Average equity | $26,873,600 | 2,470 |
| Average total loans | $17,180,400 | 6,315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6498% | 6,645 |
| Cost of funding earning assets | 0.5207% | 3,558 |
| Net interest margin | 2.1291% | 6,687 |
| Noninterest income to average assets | 0.1080% | 6,461 |
| Noninterest expense to average assets | 1.1749% | 6,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9848% | 2,444 |
| Return on assets (ROA) | 0.9848% | 2,543 |
| Pretax return on assets | 0.9848% | 3,563 |
| Return on Equity (ROE) | 8.5165% | 2,877 |
| Retained earnings to average equity (ytd only) | 0.6573% | 5,704 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3994% | 6,070 |
| Assets per employee ($millions) | 6.4994% | 937 |
| Cash dividends to net income (ytd only)* | 92.2821% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 3,517 |
| 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 | 7.9333% | 6,840 |
| Net loans and leases to deposits | 8.8738% | 6,843 |
| Net loans and leases to core deposits | 10.8930% | 6,830 |
| Total domestic deposits to total assets | 89.4014% | 1,360 |
| Equity capital to assets | 10.3982% | 3,393 |
| Core capital (leverage) ratio | 10.7423% | 2,734 |
| Tier 1 risk-based capital ratio | 43.1580% | 199 |
| Total risk-based capital ratio | 43.6386% | 209 |
| Memoranda: | ||
| Average total assets | $242,064,250 | 2,625 |
| Average earning assets | $233,266,250 | 2,500 |
| Average equity | $27,992,000 | 2,408 |
| Average total loans | $17,121,250 | 6,379 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5727% | 6,709 |
| Cost of funding earning assets | 0.5528% | 3,381 |
| Net interest margin | 2.0198% | 6,757 |
| Noninterest income to average assets | 0.1068% | 6,508 |
| Noninterest expense to average assets | 1.1570% | 6,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8888% | 2,850 |
| Return on assets (ROA) | 0.8888% | 3,001 |
| Pretax return on assets | 0.8888% | 3,952 |
| Return on Equity (ROE) | 7.4638% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.6540% | 5,638 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5542% | 5,895 |
| Assets per employee ($millions) | 7.0379% | 706 |
| Cash dividends to net income (ytd only)* | 91.2376% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 6.9431% | 6,890 |
| Net loans and leases to deposits | 8.5187% | 6,893 |
| Net loans and leases to core deposits | 10.0168% | 6,882 |
| Total domestic deposits to total assets | 81.5042% | 5,213 |
| Equity capital to assets | 10.3980% | 3,430 |
| Core capital (leverage) ratio | 10.3514% | 3,043 |
| Tier 1 risk-based capital ratio | 42.7046% | 201 |
| Total risk-based capital ratio | 43.1705% | 207 |
| Memoranda: | ||
| Average total assets | $249,092,000 | 2,560 |
| Average earning assets | $239,130,670 | 2,454 |
| Average equity | $29,663,330 | 2,299 |
| Average total loans | $16,896,670 | 6,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5078% | 6,810 |
| Cost of funding earning assets | 0.5724% | 3,357 |
| Net interest margin | 1.9354% | 6,865 |
| Noninterest income to average assets | 0.1118% | 6,533 |
| Noninterest expense to average assets | 1.1859% | 6,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7843% | 3,252 |
| Return on assets (ROA) | 0.7843% | 3,383 |
| Pretax return on assets | 0.7843% | 4,233 |
| Return on Equity (ROE) | 6.2144% | 3,930 |
| Retained earnings to average equity (ytd only) | 0.4742% | 5,636 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1918% | 5,559 |
| Assets per employee ($millions) | 7.7489% | 545 |
| Cash dividends to net income (ytd only)* | 92.3695% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,514 |
| 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 | 6.6634% | 6,964 |
| Net loans and leases to deposits | 8.3683% | 6,970 |
| Net loans and leases to core deposits | 9.8291% | 6,955 |
| Total domestic deposits to total assets | 79.6270% | 5,836 |
| Equity capital to assets | 12.7562% | 1,558 |
| Core capital (leverage) ratio | 9.3371% | 4,345 |
| Tier 1 risk-based capital ratio | 43.8637% | 183 |
| Total risk-based capital ratio | 44.3433% | 190 |
| Memoranda: | ||
| Average total assets | $253,994,500 | 2,545 |
| Average earning assets | $243,883,000 | 2,435 |
| Average equity | $32,054,500 | 2,176 |
| Average total loans | $16,906,000 | 6,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9971% | 6,777 |
| Cost of funding earning assets | 0.6283% | 4,111 |
| Net interest margin | 2.3688% | 6,801 |
| Noninterest income to average assets | 0.2058% | 5,940 |
| Noninterest expense to average assets | 1.1968% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2853% | 1,353 |
| Return on assets (ROA) | 1.3055% | 1,430 |
| Pretax return on assets | 1.3055% | 2,377 |
| Return on Equity (ROE) | 9.7336% | 2,292 |
| Retained earnings to average equity (ytd only) | 3.0134% | 4,113 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2175% | 6,696 |
| Assets per employee ($millions) | 7.4292% | 647 |
| Cash dividends to net income (ytd only)* | 69.0416% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 3,516 |
| Loan loss allowance to noncurrent loans | 5,280.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,714 |
| Noncurrent loans to loans | 0.0294% | 6,444 |
| Net loans and leases to total assets | 6.4460% | 7,024 |
| Net loans and leases to deposits | 7.9681% | 7,027 |
| Net loans and leases to core deposits | 9.2544% | 7,018 |
| Total domestic deposits to total assets | 80.8967% | 5,433 |
| Equity capital to assets | 12.4904% | 1,720 |
| Core capital (leverage) ratio | 10.9529% | 2,297 |
| Tier 1 risk-based capital ratio | 41.4510% | 210 |
| Total risk-based capital ratio | 41.9050% | 226 |
| Memoranda: | ||
| Average total assets | $242,980,600 | 2,602 |
| Average earning assets | $233,496,200 | 2,468 |
| Average equity | $32,588,000 | 2,119 |
| Average total loans | $17,787,200 | 6,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1287% | 6,837 |
| Cost of funding earning assets | 0.6540% | 4,159 |
| Net interest margin | 2.4747% | 6,841 |
| Noninterest income to average assets | 0.2446% | 5,798 |
| Noninterest expense to average assets | 1.2092% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4259% | 1,170 |
| Return on assets (ROA) | 1.4533% | 1,244 |
| Pretax return on assets | 1.4533% | 2,064 |
| Return on Equity (ROE) | 10.6368% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.9735% | 4,087 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8881% | 6,819 |
| Assets per employee ($millions) | 6.8953% | 784 |
| Cash dividends to net income (ytd only)* | 62.6441% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 3,394 |
| 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 | 7.1996% | 7,125 |
| Net loans and leases to deposits | 9.3484% | 7,130 |
| Net loans and leases to core deposits | 11.3335% | 7,116 |
| Total domestic deposits to total assets | 77.0143% | 6,228 |
| Equity capital to assets | 15.6809% | 670 |
| Core capital (leverage) ratio | 10.8249% | 2,567 |
| Tier 1 risk-based capital ratio | 43.2004% | 195 |
| Total risk-based capital ratio | 43.6737% | 201 |
| Memoranda: | ||
| Average total assets | $238,720,000 | 2,667 |
| Average earning assets | $230,591,250 | 2,516 |
| Average equity | $32,615,500 | 2,134 |
| Average total loans | $17,977,750 | 6,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 6,907 |
| Cost of funding earning assets | 0.6578% | 4,377 |
| Net interest margin | 2.4982% | 6,891 |
| Noninterest income to average assets | 0.3040% | 5,375 |
| Noninterest expense to average assets | 1.1923% | 7,147 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5200% | 961 |
| Return on assets (ROA) | 1.5232% | 1,077 |
| Pretax return on assets | 1.5232% | 1,794 |
| Return on Equity (ROE) | 11.6668% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.1589% | 2,600 |
| Net charge-offs to loans | 0.0323% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 620.0000% | 59 |
| Efficiency ratio | 43.9590% | 6,957 |
| Assets per employee ($millions) | 7.9121% | 484 |
| Cash dividends to net income (ytd only)* | 47.2103% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 7.4908% | 7,190 |
| Net loans and leases to deposits | 9.5207% | 7,193 |
| Net loans and leases to core deposits | 11.2311% | 7,184 |
| Total domestic deposits to total assets | 78.6786% | 6,025 |
| Equity capital to assets | 13.7344% | 1,204 |
| Core capital (leverage) ratio | 10.1111% | 3,257 |
| Tier 1 risk-based capital ratio | 41.9226% | 203 |
| Total risk-based capital ratio | 42.3764% | 207 |
| Memoranda: | ||
| Average total assets | $244,743,330 | 2,602 |
| Average earning assets | $235,934,000 | 2,467 |
| Average equity | $31,954,000 | 2,155 |
| Average total loans | $18,587,000 | 6,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 6,936 |
| Cost of funding earning assets | 0.6904% | 4,362 |
| Net interest margin | 2.5353% | 6,926 |
| Noninterest income to average assets | 0.3714% | 4,894 |
| Noninterest expense to average assets | 1.2451% | 7,195 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5658% | 919 |
| Return on assets (ROA) | 1.5658% | 1,025 |
| Pretax return on assets | 1.5658% | 1,685 |
| Return on Equity (ROE) | 12.3136% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.1375% | 2,882 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2957% | 6,976 |
| Assets per employee ($millions) | 7.4243% | 615 |
| Cash dividends to net income (ytd only)* | 50.1567% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 4,405 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,882 |
| Noncurrent loans to loans | 0.0164% | 6,740 |
| Net loans and leases to total assets | 7.3579% | 7,249 |
| Net loans and leases to deposits | 9.1455% | 7,254 |
| Net loans and leases to core deposits | 10.9239% | 7,244 |
| Total domestic deposits to total assets | 80.4536% | 5,736 |
| Equity capital to assets | 12.6240% | 1,648 |
| Core capital (leverage) ratio | 9.3864% | 4,215 |
| Tier 1 risk-based capital ratio | 41.1501% | 212 |
| Total risk-based capital ratio | 41.6104% | 220 |
| Memoranda: | ||
| Average total assets | $244,477,500 | 2,619 |
| Average earning assets | $235,240,500 | 2,487 |
| Average equity | $31,087,500 | 2,198 |
| Average total loans | $18,563,500 | 6,683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 6,923 |
| Cost of funding earning assets | 0.8970% | 4,145 |
| Net interest margin | 2.7160% | 6,907 |
| Noninterest income to average assets | 0.1840% | 6,177 |
| Noninterest expense to average assets | 1.2298% | 7,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5611% | 730 |
| Return on assets (ROA) | 1.6144% | 700 |
| Pretax return on assets | 1.6144% | 1,171 |
| Return on Equity (ROE) | 13.4253% | 1,062 |
| Retained earnings to average equity (ytd only) | 7.0508% | 1,482 |
| Net charge-offs to loans | 0.0271% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 733.2000% | 40 |
| Efficiency ratio | 44.0647% | 7,124 |
| Assets per employee ($millions) | 7.3925% | 597 |
| Cash dividends to net income (ytd only)* | 47.4809% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 4,454 |
| Loan loss allowance to noncurrent loans | 776.4706% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 6,947 |
| Noncurrent loans to loans | 0.1805% | 6,385 |
| Net loans and leases to total assets | 7.6129% | 7,300 |
| Net loans and leases to deposits | 9.5038% | 7,301 |
| Net loans and leases to core deposits | 11.3704% | 7,288 |
| Total domestic deposits to total assets | 80.1040% | 5,714 |
| Equity capital to assets | 12.8082% | 1,594 |
| Core capital (leverage) ratio | 10.6871% | 2,535 |
| Tier 1 risk-based capital ratio | 40.5176% | 223 |
| Total risk-based capital ratio | 40.9802% | 229 |
| Memoranda: | ||
| Average total assets | $234,830,000 | 2,681 |
| Average earning assets | $225,406,000 | 2,553 |
| Average equity | $28,237,800 | 2,318 |
| Average total loans | $18,459,600 | 6,735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 6,921 |
| Cost of funding earning assets | 0.9749% | 3,851 |
| Net interest margin | 2.7410% | 6,955 |
| Noninterest income to average assets | 0.1634% | 6,428 |
| Noninterest expense to average assets | 1.2350% | 7,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5624% | 830 |
| Return on assets (ROA) | 1.5864% | 863 |
| Pretax return on assets | 1.5864% | 1,422 |
| Return on Equity (ROE) | 13.4224% | 1,175 |
| Retained earnings to average equity (ytd only) | 7.2084% | 1,862 |
| Net charge-offs to loans | 0.0290% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 681.6585% | 52 |
| Efficiency ratio | 44.1484% | 7,140 |
| Assets per employee ($millions) | 6.6043% | 899 |
| Cash dividends to net income (ytd only)* | 46.2957% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,290 |
| 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 | 8.2091% | 7,372 |
| Net loans and leases to deposits | 10.8476% | 7,375 |
| Net loans and leases to core deposits | 13.6420% | 7,356 |
| Total domestic deposits to total assets | 75.6764% | 6,567 |
| Equity capital to assets | 14.8595% | 890 |
| Core capital (leverage) ratio | 10.4338% | 2,955 |
| Tier 1 risk-based capital ratio | 40.1156% | 254 |
| Total risk-based capital ratio | 40.5856% | 261 |
| Memoranda: | ||
| Average total assets | $232,549,250 | 2,704 |
| Average earning assets | $223,468,250 | 2,582 |
| Average equity | $27,485,750 | 2,362 |
| Average total loans | $18,365,500 | 6,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 7,031 |
| Cost of funding earning assets | 1.0840% | 3,359 |
| Net interest margin | 2.5918% | 7,129 |
| Noninterest income to average assets | 0.1415% | 6,616 |
| Noninterest expense to average assets | 1.2560% | 7,408 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3689% | 1,152 |
| Return on assets (ROA) | 1.3899% | 1,170 |
| Pretax return on assets | 1.3899% | 1,820 |
| Return on Equity (ROE) | 12.7646% | 1,255 |
| Retained earnings to average equity (ytd only) | 6.7227% | 2,003 |
| Net charge-offs to loans | 0.2061% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 85.5263% | 408 |
| Efficiency ratio | 47.8498% | 7,069 |
| Assets per employee ($millions) | 7.0150% | 715 |
| Cash dividends to net income (ytd only)* | 47.3333% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 4,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 7.6089% | 7,450 |
| Net loans and leases to deposits | 9.7720% | 7,455 |
| Net loans and leases to core deposits | 11.9058% | 7,442 |
| Total domestic deposits to total assets | 77.8639% | 6,312 |
| Equity capital to assets | 11.8175% | 2,227 |
| Core capital (leverage) ratio | 9.6756% | 3,693 |
| Tier 1 risk-based capital ratio | 38.1929% | 274 |
| Total risk-based capital ratio | 38.6269% | 287 |
| Memoranda: | ||
| Average total assets | $237,418,670 | 2,682 |
| Average earning assets | $227,482,330 | 2,557 |
| Average equity | $25,852,670 | 2,482 |
| Average total loans | $18,435,330 | 6,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 7,097 |
| Cost of funding earning assets | 1.1749% | 2,982 |
| Net interest margin | 2.4873% | 7,206 |
| Noninterest income to average assets | 0.1486% | 6,663 |
| Noninterest expense to average assets | 1.3121% | 7,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2209% | 1,476 |
| Return on assets (ROA) | 1.2294% | 1,504 |
| Pretax return on assets | 1.2294% | 2,272 |
| Return on Equity (ROE) | 11.7962% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.1087% | 2,569 |
| Net charge-offs to loans | 0.0217% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 21 |
| Efficiency ratio | 51.8000% | 6,870 |
| Assets per employee ($millions) | 6.5568% | 904 |
| Cash dividends to net income (ytd only)* | 48.2143% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,378 |
| Loan loss allowance to noncurrent loans | 418.7500% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 7,104 |
| Noncurrent loans to loans | 0.3494% | 6,291 |
| Net loans and leases to total assets | 7.8649% | 7,509 |
| Net loans and leases to deposits | 10.4739% | 7,516 |
| Net loans and leases to core deposits | 12.9540% | 7,494 |
| Total domestic deposits to total assets | 75.0905% | 6,778 |
| Equity capital to assets | 10.8573% | 2,818 |
| Core capital (leverage) ratio | 8.7969% | 4,935 |
| Tier 1 risk-based capital ratio | 37.6525% | 285 |
| Total risk-based capital ratio | 38.1217% | 296 |
| Memoranda: | ||
| Average total assets | $236,872,500 | 2,711 |
| Average earning assets | $227,077,000 | 2,580 |
| Average equity | $24,686,000 | 2,579 |
| Average total loans | $18,454,000 | 6,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 7,305 |
| Cost of funding earning assets | 1.2477% | 4,233 |
| Net interest margin | 2.4519% | 7,298 |
| Noninterest income to average assets | 0.1594% | 6,580 |
| Noninterest expense to average assets | 1.1784% | 7,548 |
| Loan and lease loss provision to assets | 0.0184% | 6,929 |
| Net operating income to assets | 1.3170% | 1,127 |
| Return on assets (ROA) | 1.3440% | 1,142 |
| Pretax return on assets | 1.3440% | 1,821 |
| Return on Equity (ROE) | 12.6583% | 1,174 |
| Retained earnings to average equity (ytd only) | 6.4216% | 1,605 |
| Net charge-offs to loans | 0.0636% | 6,156 |
| Credit loss provision to net charge-offs | 375.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 272.2500% | 84 |
| Efficiency ratio | 46.8780% | 7,320 |
| Assets per employee ($millions) | 6.2630% | 1,053 |
| Cash dividends to net income (ytd only)* | 49.2701% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 4,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 7.5011% | 7,592 |
| Net loans and leases to deposits | 9.5368% | 7,599 |
| Net loans and leases to core deposits | 11.5130% | 7,580 |
| Total domestic deposits to total assets | 78.6537% | 6,177 |
| Equity capital to assets | 10.0124% | 3,731 |
| Core capital (leverage) ratio | 9.6039% | 3,552 |
| Tier 1 risk-based capital ratio | 37.1173% | 294 |
| Total risk-based capital ratio | 37.5898% | 303 |
| Memoranda: | ||
| Average total assets | $244,646,000 | 2,599 |
| Average earning assets | $234,915,800 | 2,480 |
| Average equity | $25,975,000 | 2,459 |
| Average total loans | $18,871,400 | 6,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 7,418 |
| Cost of funding earning assets | 1.2846% | 4,331 |
| Net interest margin | 2.4904% | 7,385 |
| Noninterest income to average assets | 0.1226% | 6,939 |
| Noninterest expense to average assets | 1.1664% | 7,670 |
| Loan and lease loss provision to assets | 0.0245% | 6,818 |
| Net operating income to assets | 1.3238% | 1,296 |
| Return on assets (ROA) | 1.3489% | 1,303 |
| Pretax return on assets | 1.3489% | 2,034 |
| Return on Equity (ROE) | 12.5262% | 1,381 |
| Retained earnings to average equity (ytd only) | 6.3541% | 2,171 |
| Net charge-offs to loans | 0.0774% | 5,748 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 224.9434% | 146 |
| Efficiency ratio | 46.3821% | 7,368 |
| Assets per employee ($millions) | 6.7379% | 866 |
| Cash dividends to net income (ytd only)* | 49.2732% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 8.3434% | 7,694 |
| Net loans and leases to deposits | 10.9550% | 7,701 |
| Net loans and leases to core deposits | 13.4763% | 7,681 |
| Total domestic deposits to total assets | 76.1602% | 6,628 |
| Equity capital to assets | 12.0350% | 2,139 |
| Core capital (leverage) ratio | 8.8621% | 4,904 |
| Tier 1 risk-based capital ratio | 35.6265% | 333 |
| Total risk-based capital ratio | 36.0907% | 343 |
| Memoranda: | ||
| Average total assets | $244,743,000 | 2,639 |
| Average earning assets | $235,080,750 | 2,519 |
| Average equity | $26,354,750 | 2,467 |
| Average total loans | $18,941,500 | 7,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 7,497 |
| Cost of funding earning assets | 1.2666% | 4,734 |
| Net interest margin | 2.5130% | 7,411 |
| Noninterest income to average assets | 0.1251% | 6,969 |
| Noninterest expense to average assets | 1.1473% | 7,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3919% | 1,110 |
| Return on assets (ROA) | 1.4291% | 1,111 |
| Pretax return on assets | 1.4291% | 1,753 |
| Return on Equity (ROE) | 13.7856% | 1,081 |
| Retained earnings to average equity (ytd only) | 7.1654% | 1,764 |
| Net charge-offs to loans | 0.0967% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 191.5556% | 174 |
| Efficiency ratio | 45.1828% | 7,473 |
| Assets per employee ($millions) | 7.1808% | 707 |
| Cash dividends to net income (ytd only)* | 48.0226% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 7.3100% | 7,764 |
| Net loans and leases to deposits | 9.2267% | 7,771 |
| Net loans and leases to core deposits | 11.0347% | 7,755 |
| Total domestic deposits to total assets | 79.2266% | 5,967 |
| Equity capital to assets | 10.8647% | 3,006 |
| Core capital (leverage) ratio | 8.4903% | 5,427 |
| Tier 1 risk-based capital ratio | 37.3545% | 295 |
| Total risk-based capital ratio | 37.7705% | 306 |
| Memoranda: | ||
| Average total assets | $247,714,670 | 2,622 |
| Average earning assets | $237,963,000 | 2,503 |
| Average equity | $25,679,000 | 2,520 |
| Average total loans | $18,606,670 | 7,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 7,489 |
| Cost of funding earning assets | 1.3318% | 4,614 |
| Net interest margin | 2.6290% | 7,362 |
| Noninterest income to average assets | 0.1387% | 6,990 |
| Noninterest expense to average assets | 1.1951% | 7,831 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4592% | 967 |
| Return on assets (ROA) | 1.4691% | 1,017 |
| Pretax return on assets | 1.4691% | 1,599 |
| Return on Equity (ROE) | 14.5452% | 951 |
| Retained earnings to average equity (ytd only) | 7.5177% | 1,916 |
| Net charge-offs to loans | 0.0218% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 23 |
| Efficiency ratio | 45.0249% | 7,589 |
| Assets per employee ($millions) | 7.3561% | 698 |
| Cash dividends to net income (ytd only)* | 48.3146% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 5,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 7.2721% | 7,868 |
| Net loans and leases to deposits | 9.0964% | 7,872 |
| Net loans and leases to core deposits | 11.0675% | 7,854 |
| Total domestic deposits to total assets | 79.9443% | 5,799 |
| Equity capital to assets | 10.1200% | 3,720 |
| Core capital (leverage) ratio | 8.0961% | 6,082 |
| Tier 1 risk-based capital ratio | 36.7154% | 316 |
| Total risk-based capital ratio | 37.1485% | 325 |
| Memoranda: | ||
| Average total assets | $242,318,000 | 2,740 |
| Average earning assets | $231,872,000 | 2,624 |
| Average equity | $24,475,500 | 2,668 |
| Average total loans | $18,348,000 | 7,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 7,332 |
| Cost of funding earning assets | 1.6811% | 4,612 |
| Net interest margin | 2.8770% | 6,903 |
| Noninterest income to average assets | 0.1360% | 7,073 |
| Noninterest expense to average assets | 1.2853% | 7,883 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5292% | 633 |
| Return on assets (ROA) | 1.5209% | 687 |
| Pretax return on assets | 1.5209% | 1,134 |
| Return on Equity (ROE) | 16.4055% | 514 |
| Retained earnings to average equity (ytd only) | 8.4621% | 594 |
| Net charge-offs to loans | 0.0573% | 6,525 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 320.9091% | 90 |
| Efficiency ratio | 45.6672% | 7,730 |
| Assets per employee ($millions) | 6.8979% | 834 |
| Cash dividends to net income (ytd only)* | 48.4193% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 7.6908% | 7,940 |
| Net loans and leases to deposits | 9.9151% | 7,949 |
| Net loans and leases to core deposits | 13.5267% | 7,939 |
| Total domestic deposits to total assets | 77.5664% | 6,332 |
| Equity capital to assets | 10.0798% | 3,648 |
| Core capital (leverage) ratio | 9.3758% | 3,865 |
| Tier 1 risk-based capital ratio | 34.6439% | 350 |
| Total risk-based capital ratio | 35.0640% | 369 |
| Memoranda: | ||
| Average total assets | $230,846,800 | 2,813 |
| Average earning assets | $214,913,400 | 2,765 |
| Average equity | $21,401,400 | 3,027 |
| Average total loans | $19,200,200 | 7,245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 7,342 |
| Cost of funding earning assets | 1.8002% | 4,380 |
| Net interest margin | 2.8571% | 6,947 |
| Noninterest income to average assets | 0.1426% | 7,158 |
| Noninterest expense to average assets | 1.3042% | 7,962 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4909% | 832 |
| Return on assets (ROA) | 1.5233% | 825 |
| Pretax return on assets | 1.5233% | 1,347 |
| Return on Equity (ROE) | 16.8056% | 565 |
| Retained earnings to average equity (ytd only) | 9.0329% | 832 |
| Net charge-offs to loans | 0.0480% | 6,245 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 367.4073% | 101 |
| Efficiency ratio | 46.6598% | 7,740 |
| Assets per employee ($millions) | 6.1406% | 1,145 |
| Cash dividends to net income (ytd only)* | 46.2505% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 8.6196% | 8,022 |
| Net loans and leases to deposits | 11.9982% | 8,025 |
| Net loans and leases to core deposits | 20.7732% | 7,999 |
| Total domestic deposits to total assets | 71.8410% | 7,227 |
| Equity capital to assets | 11.1338% | 2,894 |
| Core capital (leverage) ratio | 9.0089% | 4,632 |
| Tier 1 risk-based capital ratio | 32.1133% | 467 |
| Total risk-based capital ratio | 32.5175% | 494 |
| Memoranda: | ||
| Average total assets | $229,926,500 | 2,847 |
| Average earning assets | $213,452,500 | 2,805 |
| Average equity | $20,841,750 | 3,119 |
| Average total loans | $19,432,000 | 7,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 7,526 |
| Cost of funding earning assets | 1.8803% | 4,373 |
| Net interest margin | 2.7252% | 7,150 |
| Noninterest income to average assets | 0.1494% | 7,198 |
| Noninterest expense to average assets | 1.3394% | 8,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3115% | 1,204 |
| Return on assets (ROA) | 1.3588% | 1,175 |
| Pretax return on assets | 1.3588% | 1,835 |
| Return on Equity (ROE) | 16.0673% | 684 |
| Retained earnings to average equity (ytd only) | 7.7343% | 1,298 |
| Net charge-offs to loans | 0.0908% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 172.6667% | 240 |
| Efficiency ratio | 50.5253% | 7,632 |
| Assets per employee ($millions) | 6.6586% | 904 |
| Cash dividends to net income (ytd only)* | 51.8634% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 8.3142% | 8,112 |
| Net loans and leases to deposits | 10.0599% | 8,122 |
| Net loans and leases to core deposits | 15.0971% | 8,106 |
| Total domestic deposits to total assets | 82.6471% | 4,401 |
| Equity capital to assets | 8.7315% | 5,710 |
| Core capital (leverage) ratio | 8.4675% | 5,499 |
| Tier 1 risk-based capital ratio | 29.2875% | 644 |
| Total risk-based capital ratio | 29.6658% | 681 |
| Memoranda: | ||
| Average total assets | $236,975,670 | 2,781 |
| Average earning assets | $217,522,330 | 2,777 |
| Average equity | $20,040,670 | 3,235 |
| Average total loans | $19,830,670 | 7,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 7,627 |
| Cost of funding earning assets | 1.9177% | 4,545 |
| Net interest margin | 2.6717% | 7,264 |
| Noninterest income to average assets | 0.1564% | 7,190 |
| Noninterest expense to average assets | 1.1906% | 8,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3665% | 1,216 |
| Return on assets (ROA) | 1.4186% | 1,187 |
| Pretax return on assets | 1.4186% | 1,915 |
| Return on Equity (ROE) | 17.0217% | 685 |
| Retained earnings to average equity (ytd only) | 8.7160% | 1,563 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5605% | 7,817 |
| Assets per employee ($millions) | 6.6736% | 888 |
| Cash dividends to net income (ytd only)* | 48.7945% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,541 |
| Loan loss allowance to noncurrent loans | 2,744.4444% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,646 |
| Noncurrent loans to loans | 0.0451% | 7,413 |
| Net loans and leases to total assets | 8.4427% | 8,164 |
| Net loans and leases to deposits | 10.8431% | 8,171 |
| Net loans and leases to core deposits | 15.7645% | 8,159 |
| Total domestic deposits to total assets | 77.8619% | 6,059 |
| Equity capital to assets | 9.1123% | 5,211 |
| Core capital (leverage) ratio | 7.7670% | 6,793 |
| Tier 1 risk-based capital ratio | 27.1423% | 810 |
| Total risk-based capital ratio | 27.5127% | 853 |
| Memoranda: | ||
| Average total assets | $245,597,000 | 2,700 |
| Average earning assets | $220,684,000 | 2,755 |
| Average equity | $20,468,000 | 3,194 |
| Average total loans | $20,492,500 | 7,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 7,926 |
| Cost of funding earning assets | 2.1392% | 5,881 |
| Net interest margin | 2.7121% | 7,480 |
| Noninterest income to average assets | 0.2304% | 6,785 |
| Noninterest expense to average assets | 1.1813% | 8,166 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5340% | 952 |
| Return on assets (ROA) | 1.6535% | 710 |
| Pretax return on assets | 1.6535% | 1,252 |
| Return on Equity (ROE) | 23.7312% | 184 |
| Retained earnings to average equity (ytd only) | 12.4136% | 201 |
| Net charge-offs to loans | 0.0525% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 306.8182% | 157 |
| Efficiency ratio | 43.5052% | 8,027 |
| Assets per employee ($millions) | 7.3605% | 608 |
| Cash dividends to net income (ytd only)* | 47.6910% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 4,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 8.0627% | 8,217 |
| Net loans and leases to deposits | 9.9359% | 8,227 |
| Net loans and leases to core deposits | 13.2820% | 8,220 |
| Total domestic deposits to total assets | 81.1470% | 4,580 |
| Equity capital to assets | 7.6283% | 7,278 |
| Core capital (leverage) ratio | 8.3552% | 5,843 |
| Tier 1 risk-based capital ratio | 24.2693% | 1,056 |
| Total risk-based capital ratio | 24.6089% | 1,129 |
| Memoranda: | ||
| Average total assets | $220,019,400 | 2,876 |
| Average earning assets | $201,574,600 | 2,877 |
| Average equity | $15,330,000 | 4,066 |
| Average total loans | $20,969,000 | 7,264 |