Home > First Southern Bank > Performance and Condition Ratios
First Southern Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 1,943 |
| Cost of funding earning assets | 0.9527% | 4,036 |
| Net interest margin | 4.6151% | 532 |
| Noninterest income to average assets | 0.7500% | 899 |
| Noninterest expense to average assets | 3.2103% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.7131% | 735 |
| Return on assets (ROA) | 1.7131% | 735 |
| Pretax return on assets | 1.7131% | 1,094 |
| Return on Equity (ROE) | 17.9100% | 655 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,151 |
| Net charge-offs to loans | 0.0916% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 34.5294% | 1,164 |
| Efficiency ratio | 65.2045% | 2,331 |
| Assets per employee ($millions) | 4.0345% | 4,083 |
| Cash dividends to net income (ytd only)* | 63.8842% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,305 |
| Loan loss allowance to noncurrent loans | 165.5422% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 1,535 |
| Noncurrent loans to loans | 0.8452% | 1,236 |
| Net loans and leases to total assets | 52.1700% | 3,455 |
| Net loans and leases to deposits | 57.9030% | 3,569 |
| Net loans and leases to core deposits | 60.1009% | 3,694 |
| Total domestic deposits to total assets | 90.1100% | 779 |
| Equity capital to assets | 9.6742% | 2,448 |
| Core capital (leverage) ratio | 10.9453% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $274,118,000 | 2,606 |
| Average earning assets | $248,139,500 | 2,632 |
| Average equity | $26,219,000 | 2,629 |
| Average total loans | $148,538,500 | 2,781 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6165% | 1,914 |
| Cost of funding earning assets | 0.8448% | 4,142 |
| Net interest margin | 4.7717% | 451 |
| Noninterest income to average assets | 0.9500% | 672 |
| Noninterest expense to average assets | 3.4742% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.7918% | 556 |
| Return on assets (ROA) | 1.7918% | 553 |
| Pretax return on assets | 1.7918% | 839 |
| Return on Equity (ROE) | 18.7100% | 499 |
| Retained earnings to average equity (ytd only) | 8.3301% | 1,005 |
| Net charge-offs to loans | 0.0742% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 42.5648% | 1,298 |
| Efficiency ratio | 65.9734% | 2,496 |
| Assets per employee ($millions) | 3.9110% | 4,120 |
| Cash dividends to net income (ytd only)* | 55.4710% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,306 |
| Loan loss allowance to noncurrent loans | 190.9754% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 1,487 |
| Noncurrent loans to loans | 0.7324% | 1,353 |
| Net loans and leases to total assets | 54.7200% | 3,360 |
| Net loans and leases to deposits | 60.6446% | 3,504 |
| Net loans and leases to core deposits | 63.0040% | 3,645 |
| Total domestic deposits to total assets | 90.2400% | 742 |
| Equity capital to assets | 9.4521% | 2,493 |
| Core capital (leverage) ratio | 11.4549% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $256,551,000 | 2,669 |
| Average earning assets | $232,137,600 | 2,700 |
| Average equity | $24,573,400 | 2,663 |
| Average total loans | $145,551,000 | 2,770 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6695% | 1,769 |
| Cost of funding earning assets | 0.8407% | 4,164 |
| Net interest margin | 4.8289% | 415 |
| Noninterest income to average assets | 0.8500% | 805 |
| Noninterest expense to average assets | 3.4830% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.7239% | 660 |
| Return on assets (ROA) | 1.7239% | 661 |
| Pretax return on assets | 1.7239% | 981 |
| Return on Equity (ROE) | 17.9300% | 593 |
| Retained earnings to average equity (ytd only) | 8.0743% | 1,370 |
| Net charge-offs to loans | 0.0895% | 1,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 33.7526% | 1,443 |
| Efficiency ratio | 66.8925% | 2,379 |
| Assets per employee ($millions) | 3.7539% | 4,184 |
| Cash dividends to net income (ytd only)* | 54.9786% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,238 |
| Loan loss allowance to noncurrent loans | 193.7443% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,336 |
| Noncurrent loans to loans | 0.7394% | 1,336 |
| Net loans and leases to total assets | 56.7700% | 3,193 |
| Net loans and leases to deposits | 63.5835% | 3,388 |
| Net loans and leases to core deposits | 66.3430% | 3,557 |
| Total domestic deposits to total assets | 89.2800% | 809 |
| Equity capital to assets | 10.4081% | 2,037 |
| Core capital (leverage) ratio | 11.5065% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $253,224,750 | 2,676 |
| Average earning assets | $228,702,500 | 2,718 |
| Average equity | $24,340,000 | 2,663 |
| Average total loans | $144,495,750 | 2,772 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6113% | 1,752 |
| Cost of funding earning assets | 0.8029% | 4,182 |
| Net interest margin | 4.8084% | 417 |
| Noninterest income to average assets | 0.7800% | 909 |
| Noninterest expense to average assets | 3.4837% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6203% | 773 |
| Return on assets (ROA) | 1.6203% | 770 |
| Pretax return on assets | 1.6203% | 1,097 |
| Return on Equity (ROE) | 17.3400% | 678 |
| Retained earnings to average equity (ytd only) | 7.1703% | 1,609 |
| Net charge-offs to loans | 0.0905% | 918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 31.4769% | 1,368 |
| Efficiency ratio | 68.2545% | 2,303 |
| Assets per employee ($millions) | 3.7874% | 4,189 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,239 |
| Loan loss allowance to noncurrent loans | 1,738.2114% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,107 |
| Noncurrent loans to loans | 0.0830% | 3,247 |
| Net loans and leases to total assets | 56.7100% | 3,211 |
| Net loans and leases to deposits | 62.7794% | 3,433 |
| Net loans and leases to core deposits | 65.4127% | 3,569 |
| Total domestic deposits to total assets | 90.3400% | 616 |
| Equity capital to assets | 9.3230% | 2,515 |
| Core capital (leverage) ratio | 11.3233% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $252,545,333 | 2,677 |
| Average earning assets | $226,934,667 | 2,721 |
| Average equity | $23,597,333 | 2,677 |
| Average total loans | $143,658,000 | 2,778 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 1,653 |
| Cost of funding earning assets | 0.7753% | 4,192 |
| Net interest margin | 4.8096% | 406 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 3.5466% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5901% | 788 |
| Return on assets (ROA) | 1.5901% | 797 |
| Pretax return on assets | 1.5901% | 1,106 |
| Return on Equity (ROE) | 17.0000% | 724 |
| Retained earnings to average equity (ytd only) | 6.7378% | 1,908 |
| Net charge-offs to loans | 0.2178% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.9091% | 1,538 |
| Efficiency ratio | 69.0439% | 2,268 |
| Assets per employee ($millions) | 3.6589% | 4,237 |
| Cash dividends to net income (ytd only)* | 60.3622% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 1,104 |
| Loan loss allowance to noncurrent loans | 5,905.5556% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,362 |
| Noncurrent loans to loans | 0.0252% | 3,598 |
| Net loans and leases to total assets | 55.7400% | 3,214 |
| Net loans and leases to deposits | 61.5920% | 3,422 |
| Net loans and leases to core deposits | 64.1354% | 3,592 |
| Total domestic deposits to total assets | 90.4900% | 644 |
| Equity capital to assets | 9.2857% | 2,480 |
| Core capital (leverage) ratio | 11.3671% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $250,045,500 | 2,698 |
| Average earning assets | $225,464,500 | 2,738 |
| Average equity | $23,390,500 | 2,690 |
| Average total loans | $141,387,000 | 2,798 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 2,296 |
| Cost of funding earning assets | 0.4712% | 4,229 |
| Net interest margin | 4.4200% | 691 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.3708% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6728% | 766 |
| Return on assets (ROA) | 1.4718% | 1,049 |
| Pretax return on assets | 1.4718% | 1,486 |
| Return on Equity (ROE) | 17.5400% | 886 |
| Retained earnings to average equity (ytd only) | 7.2068% | 1,826 |
| Net charge-offs to loans | -0.0395% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.8333% | 2,248 |
| Assets per employee ($millions) | 3.5375% | 4,284 |
| Cash dividends to net income (ytd only)* | 58.9023% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 889 |
| Loan loss allowance to noncurrent loans | 1,197.2826% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,057 |
| Noncurrent loans to loans | 0.1315% | 2,855 |
| Net loans and leases to total assets | 55.6200% | 3,226 |
| Net loans and leases to deposits | 61.5890% | 3,433 |
| Net loans and leases to core deposits | 64.0108% | 3,590 |
| Total domestic deposits to total assets | 90.3100% | 673 |
| Equity capital to assets | 9.4247% | 2,402 |
| Core capital (leverage) ratio | 11.2357% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $253,766,200 | 2,661 |
| Average earning assets | $227,693,600 | 2,699 |
| Average equity | $21,299,400 | 2,750 |
| Average total loans | $139,248,400 | 2,781 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 2,244 |
| Cost of funding earning assets | 0.4279% | 4,224 |
| Net interest margin | 4.3780% | 719 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.3936% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4691% | 1,189 |
| Return on assets (ROA) | 1.4691% | 1,172 |
| Pretax return on assets | 1.4691% | 1,634 |
| Return on Equity (ROE) | 18.0400% | 949 |
| Retained earnings to average equity (ytd only) | 7.7793% | 2,044 |
| Net charge-offs to loans | -0.0297% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.7884% | 1,812 |
| Assets per employee ($millions) | 3.5900% | 4,298 |
| Cash dividends to net income (ytd only)* | 56.8788% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 914 |
| Loan loss allowance to noncurrent loans | 371.2095% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,087 |
| Noncurrent loans to loans | 0.4269% | 1,763 |
| Net loans and leases to total assets | 53.8500% | 3,370 |
| Net loans and leases to deposits | 58.6734% | 3,571 |
| Net loans and leases to core deposits | 60.6727% | 3,673 |
| Total domestic deposits to total assets | 91.7800% | 499 |
| Equity capital to assets | 7.9682% | 3,071 |
| Core capital (leverage) ratio | 10.7511% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $255,301,000 | 2,655 |
| Average earning assets | $229,019,000 | 2,697 |
| Average equity | $20,789,750 | 2,783 |
| Average total loans | $139,076,750 | 2,785 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 2,218 |
| Cost of funding earning assets | 0.3741% | 4,206 |
| Net interest margin | 4.3220% | 783 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.3542% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4854% | 1,134 |
| Return on assets (ROA) | 1.4854% | 1,129 |
| Pretax return on assets | 1.4854% | 1,629 |
| Return on Equity (ROE) | 18.1100% | 941 |
| Retained earnings to average equity (ytd only) | 8.6101% | 1,788 |
| Net charge-offs to loans | -0.0616% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3076% | 1,834 |
| Assets per employee ($millions) | 3.7198% | 4,284 |
| Cash dividends to net income (ytd only)* | 52.4659% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 985 |
| 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 | 51.8400% | 3,424 |
| Net loans and leases to deposits | 56.4613% | 3,612 |
| Net loans and leases to core deposits | 58.0087% | 3,719 |
| Total domestic deposits to total assets | 91.8200% | 450 |
| Equity capital to assets | 7.9869% | 3,226 |
| Core capital (leverage) ratio | 10.3417% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $256,635,333 | 2,651 |
| Average earning assets | $230,958,333 | 2,698 |
| Average equity | $21,045,000 | 2,768 |
| Average total loans | $139,601,000 | 2,776 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 2,286 |
| Cost of funding earning assets | 0.2476% | 4,300 |
| Net interest margin | 4.2662% | 859 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.4132% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4725% | 1,235 |
| Return on assets (ROA) | 1.4725% | 1,218 |
| Pretax return on assets | 1.4725% | 1,724 |
| Return on Equity (ROE) | 17.7200% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.2015% | 2,164 |
| Net charge-offs to loans | -0.1602% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.8608% | 1,761 |
| Assets per employee ($millions) | 3.7435% | 4,348 |
| Cash dividends to net income (ytd only)* | 53.7057% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,062 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,709 |
| Noncurrent loans to loans | 0.0271% | 3,573 |
| Net loans and leases to total assets | 51.8300% | 3,355 |
| Net loans and leases to deposits | 56.4971% | 3,544 |
| Net loans and leases to core deposits | 58.6068% | 3,604 |
| Total domestic deposits to total assets | 91.7500% | 581 |
| Equity capital to assets | 8.1539% | 3,136 |
| Core capital (leverage) ratio | 10.6474% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $252,898,500 | 2,712 |
| Average earning assets | $227,743,500 | 2,754 |
| Average equity | $21,020,500 | 2,795 |
| Average total loans | $139,843,000 | 2,800 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 1,812 |
| Cost of funding earning assets | 0.1332% | 4,216 |
| Net interest margin | 3.8320% | 1,096 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 3.2608% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3093% | 1,395 |
| Return on assets (ROA) | 1.3093% | 1,362 |
| Pretax return on assets | 1.3093% | 2,061 |
| Return on Equity (ROE) | 15.1900% | 1,215 |
| Retained earnings to average equity (ytd only) | 4.9696% | 3,067 |
| Net charge-offs to loans | 0.0014% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,635.0000% | 105 |
| Efficiency ratio | 71.3510% | 1,520 |
| Assets per employee ($millions) | 3.4784% | 4,442 |
| Cash dividends to net income (ytd only)* | 67.2783% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,099 |
| Loan loss allowance to noncurrent loans | 201.3121% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 1,145 |
| Noncurrent loans to loans | 0.7637% | 980 |
| Net loans and leases to total assets | 57.3200% | 2,887 |
| Net loans and leases to deposits | 62.7547% | 3,131 |
| Net loans and leases to core deposits | 64.9354% | 3,205 |
| Total domestic deposits to total assets | 91.3300% | 831 |
| Equity capital to assets | 8.4867% | 2,713 |
| Core capital (leverage) ratio | 10.8314% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $249,758,000 | 2,735 |
| Average earning assets | $225,966,600 | 2,763 |
| Average equity | $21,530,800 | 2,812 |
| Average total loans | $140,037,000 | 2,726 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 1,607 |
| Cost of funding earning assets | 0.1313% | 4,022 |
| Net interest margin | 3.7214% | 1,088 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 3.2181% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3122% | 1,315 |
| Return on assets (ROA) | 1.3122% | 1,280 |
| Pretax return on assets | 1.3122% | 2,006 |
| Return on Equity (ROE) | 15.1700% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.7781% | 3,170 |
| Net charge-offs to loans | -0.0010% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.0351% | 1,638 |
| Assets per employee ($millions) | 3.6646% | 4,442 |
| Cash dividends to net income (ytd only)* | 68.4932% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,195 |
| Loan loss allowance to noncurrent loans | 200.2793% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 1,262 |
| Noncurrent loans to loans | 0.7679% | 1,057 |
| Net loans and leases to total assets | 55.2700% | 2,975 |
| Net loans and leases to deposits | 59.9036% | 3,207 |
| Net loans and leases to core deposits | 61.9535% | 3,243 |
| Total domestic deposits to total assets | 92.2600% | 793 |
| Equity capital to assets | 7.5335% | 3,198 |
| Core capital (leverage) ratio | 10.0829% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $252,194,750 | 2,739 |
| Average earning assets | $228,509,750 | 2,768 |
| Average equity | $21,821,250 | 2,836 |
| Average total loans | $140,117,500 | 2,729 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 1,576 |
| Cost of funding earning assets | 0.1285% | 3,858 |
| Net interest margin | 3.5554% | 1,170 |
| Noninterest income to average assets | 1.2457% | 451 |
| Noninterest expense to average assets | 3.1889% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2907% | 1,161 |
| Return on assets (ROA) | 1.2907% | 1,145 |
| Pretax return on assets | 1.2907% | 1,779 |
| Return on Equity (ROE) | 14.3099% | 1,042 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,160 |
| Net charge-offs to loans | 0.0342% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 68.0833% | 1,017 |
| Efficiency ratio | 71.1867% | 1,808 |
| Assets per employee ($millions) | 3.9219% | 4,404 |
| Cash dividends to net income (ytd only)* | 73.4394% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,373 |
| Loan loss allowance to noncurrent loans | 203.8351% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 1,462 |
| Noncurrent loans to loans | 0.7415% | 1,163 |
| Net loans and leases to total assets | 51.1958% | 3,245 |
| Net loans and leases to deposits | 55.5623% | 3,415 |
| Net loans and leases to core deposits | 57.2726% | 3,474 |
| Total domestic deposits to total assets | 92.1412% | 783 |
| Equity capital to assets | 7.6929% | 3,350 |
| Core capital (leverage) ratio | 10.0989% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,194,667 | 2,757 |
| Average earning assets | $230,300,000 | 2,793 |
| Average equity | $22,837,333 | 2,828 |
| Average total loans | $140,200,000 | 2,750 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 1,240 |
| Cost of funding earning assets | 0.1328% | 3,729 |
| Net interest margin | 3.5845% | 922 |
| Noninterest income to average assets | 1.2680% | 442 |
| Noninterest expense to average assets | 3.2771% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2598% | 1,093 |
| Return on assets (ROA) | 1.2598% | 1,080 |
| Pretax return on assets | 1.2598% | 1,622 |
| Return on Equity (ROE) | 12.9157% | 1,056 |
| Retained earnings to average equity (ytd only) | 1.1742% | 3,782 |
| Net charge-offs to loans | 0.0286% | 1,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 758 |
| Efficiency ratio | 72.2322% | 1,945 |
| Assets per employee ($millions) | 3.4994% | 4,560 |
| Cash dividends to net income (ytd only)* | 90.9091% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,442 |
| Loan loss allowance to noncurrent loans | 204.3935% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 1,403 |
| Noncurrent loans to loans | 0.7509% | 1,267 |
| Net loans and leases to total assets | 56.8622% | 2,434 |
| Net loans and leases to deposits | 62.7008% | 2,655 |
| Net loans and leases to core deposits | 64.4339% | 2,761 |
| Total domestic deposits to total assets | 90.6883% | 1,186 |
| Equity capital to assets | 9.1481% | 2,578 |
| Core capital (leverage) ratio | 10.4272% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,485,000 | 2,815 |
| Average earning assets | $222,960,000 | 2,847 |
| Average equity | $23,847,000 | 2,846 |
| Average total loans | $139,965,500 | 2,751 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 2,106 |
| Cost of funding earning assets | 0.1617% | 3,852 |
| Net interest margin | 3.5397% | 1,629 |
| Noninterest income to average assets | 2.0731% | 299 |
| Noninterest expense to average assets | 3.3392% | 589 |
| Loan and lease loss provision to assets | 0.2087% | 502 |
| Net operating income to assets | 1.7237% | 598 |
| Return on assets (ROA) | 1.7237% | 622 |
| Pretax return on assets | 1.7237% | 1,086 |
| Return on Equity (ROE) | 16.4619% | 686 |
| Retained earnings to average equity (ytd only) | 7.6907% | 1,660 |
| Net charge-offs to loans | 0.0485% | 1,340 |
| Credit loss provision to net charge-offs | 735.2941% | 644 |
| Earnings coverage of net charge-offs (x) | 68.0735% | 1,100 |
| Efficiency ratio | 63.3434% | 2,666 |
| Assets per employee ($millions) | 3.5359% | 4,577 |
| Cash dividends to net income (ytd only)* | 53.2817% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,453 |
| Loan loss allowance to noncurrent loans | 196.1679% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,446 |
| Noncurrent loans to loans | 0.7801% | 1,305 |
| Net loans and leases to total assets | 55.8933% | 2,630 |
| Net loans and leases to deposits | 62.4738% | 2,838 |
| Net loans and leases to core deposits | 64.1747% | 2,969 |
| Total domestic deposits to total assets | 89.4667% | 1,257 |
| Equity capital to assets | 10.3450% | 2,325 |
| Core capital (leverage) ratio | 10.3434% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,546,000 | 2,796 |
| Average earning assets | $216,461,600 | 2,834 |
| Average equity | $25,082,200 | 2,842 |
| Average total loans | $140,310,800 | 2,722 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 2,202 |
| Cost of funding earning assets | 0.1709% | 3,914 |
| Net interest margin | 3.5566% | 1,706 |
| Noninterest income to average assets | 2.3999% | 257 |
| Noninterest expense to average assets | 3.3092% | 592 |
| Loan and lease loss provision to assets | 0.2808% | 297 |
| Net operating income to assets | 2.0099% | 449 |
| Return on assets (ROA) | 2.0099% | 475 |
| Pretax return on assets | 2.0099% | 782 |
| Return on Equity (ROE) | 19.1353% | 499 |
| Retained earnings to average equity (ytd only) | 11.1200% | 1,034 |
| Net charge-offs to loans | -0.0162% | 3,879 |
| Credit loss provision to net charge-offs | -2,941.1765% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0959% | 3,112 |
| Assets per employee ($millions) | 3.4870% | 4,646 |
| Cash dividends to net income (ytd only)* | 41.8877% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,384 |
| Loan loss allowance to noncurrent loans | 193.1720% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 1,604 |
| Noncurrent loans to loans | 0.8191% | 1,392 |
| Net loans and leases to total assets | 56.9563% | 2,618 |
| Net loans and leases to deposits | 64.0072% | 2,848 |
| Net loans and leases to core deposits | 65.7786% | 2,970 |
| Total domestic deposits to total assets | 88.9843% | 1,283 |
| Equity capital to assets | 10.7068% | 2,257 |
| Core capital (leverage) ratio | 10.5582% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,554,750 | 2,834 |
| Average earning assets | $213,721,750 | 2,878 |
| Average equity | $24,951,500 | 2,887 |
| Average total loans | $140,265,500 | 2,765 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 2,209 |
| Cost of funding earning assets | 0.1882% | 3,867 |
| Net interest margin | 3.5592% | 1,687 |
| Noninterest income to average assets | 1.4479% | 578 |
| Noninterest expense to average assets | 3.3079% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3383% | 1,752 |
| Return on assets (ROA) | 1.3383% | 1,826 |
| Pretax return on assets | 1.3383% | 2,525 |
| Return on Equity (ROE) | 12.8271% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.3118% | 2,686 |
| Net charge-offs to loans | -0.0372% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1960% | 1,506 |
| Assets per employee ($millions) | 3.4342% | 4,690 |
| Cash dividends to net income (ytd only)* | 50.7937% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,710 |
| Loan loss allowance to noncurrent loans | 167.2100% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 1,889 |
| Noncurrent loans to loans | 0.7436% | 1,606 |
| Net loans and leases to total assets | 57.6228% | 2,712 |
| Net loans and leases to deposits | 64.5002% | 2,951 |
| Net loans and leases to core deposits | 66.5274% | 3,072 |
| Total domestic deposits to total assets | 89.3374% | 1,119 |
| Equity capital to assets | 10.3881% | 2,501 |
| Core capital (leverage) ratio | 10.0888% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,377,333 | 2,840 |
| Average earning assets | $211,507,667 | 2,894 |
| Average equity | $24,557,333 | 2,906 |
| Average total loans | $139,934,667 | 2,783 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 2,213 |
| Cost of funding earning assets | 0.1975% | 3,938 |
| Net interest margin | 3.5648% | 1,668 |
| Noninterest income to average assets | 1.2539% | 802 |
| Noninterest expense to average assets | 3.2636% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1835% | 2,217 |
| Return on assets (ROA) | 1.1835% | 2,286 |
| Pretax return on assets | 1.1835% | 2,889 |
| Return on Equity (ROE) | 11.3183% | 2,262 |
| Retained earnings to average equity (ytd only) | 4.7474% | 3,299 |
| Net charge-offs to loans | 0.0401% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 49.2143% | 910 |
| Efficiency ratio | 73.3874% | 1,364 |
| Assets per employee ($millions) | 3.4389% | 4,715 |
| Cash dividends to net income (ytd only)* | 58.0552% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,609 |
| Loan loss allowance to noncurrent loans | 1,431.9328% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,008 |
| Noncurrent loans to loans | 0.0881% | 3,866 |
| Net loans and leases to total assets | 55.4088% | 3,108 |
| Net loans and leases to deposits | 61.7723% | 3,342 |
| Net loans and leases to core deposits | 63.8882% | 3,424 |
| Total domestic deposits to total assets | 89.6984% | 968 |
| Equity capital to assets | 10.0769% | 2,639 |
| Core capital (leverage) ratio | 10.2134% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,870,500 | 2,844 |
| Average earning assets | $208,594,500 | 2,902 |
| Average equity | $24,350,000 | 2,906 |
| Average total loans | $139,770,000 | 2,784 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,436 |
| Cost of funding earning assets | 0.4216% | 3,449 |
| Net interest margin | 4.0292% | 919 |
| Noninterest income to average assets | 1.1723% | 792 |
| Noninterest expense to average assets | 3.5327% | 661 |
| Loan and lease loss provision to assets | 0.0234% | 4,110 |
| Net operating income to assets | 1.2284% | 1,452 |
| Return on assets (ROA) | 1.2284% | 1,562 |
| Pretax return on assets | 1.2284% | 2,233 |
| Return on Equity (ROE) | 11.0782% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,456 |
| Net charge-offs to loans | -0.0510% | 4,672 |
| Credit loss provision to net charge-offs | -67.5676% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8365% | 1,475 |
| Assets per employee ($millions) | 3.2146% | 4,753 |
| Cash dividends to net income (ytd only)* | 58.0731% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,000 |
| Loan loss allowance to noncurrent loans | 171,800.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,455 |
| Noncurrent loans to loans | 0.0007% | 4,419 |
| Net loans and leases to total assets | 63.4332% | 2,438 |
| Net loans and leases to deposits | 71.3915% | 2,746 |
| Net loans and leases to core deposits | 74.0719% | 2,910 |
| Total domestic deposits to total assets | 88.8526% | 1,049 |
| Equity capital to assets | 10.8625% | 2,375 |
| Core capital (leverage) ratio | 10.4806% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,773,400 | 2,836 |
| Average earning assets | $191,651,600 | 2,897 |
| Average equity | $23,704,200 | 2,892 |
| Average total loans | $145,090,400 | 2,708 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 1,400 |
| Cost of funding earning assets | 0.4742% | 3,401 |
| Net interest margin | 4.0943% | 909 |
| Noninterest income to average assets | 1.1465% | 800 |
| Noninterest expense to average assets | 3.5456% | 665 |
| Loan and lease loss provision to assets | 0.0318% | 3,935 |
| Net operating income to assets | 1.2470% | 1,498 |
| Return on assets (ROA) | 1.2470% | 1,610 |
| Pretax return on assets | 1.2470% | 2,240 |
| Return on Equity (ROE) | 11.1848% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.8072% | 2,647 |
| Net charge-offs to loans | -0.0413% | 4,624 |
| Credit loss provision to net charge-offs | -111.1111% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4967% | 1,460 |
| Assets per employee ($millions) | 3.3333% | 4,730 |
| Cash dividends to net income (ytd only)* | 57.0198% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,285 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.0740% | 2,509 |
| Net loans and leases to deposits | 74.4884% | 2,914 |
| Net loans and leases to core deposits | 78.0947% | 2,997 |
| Total domestic deposits to total assets | 88.7037% | 896 |
| Equity capital to assets | 10.8427% | 2,523 |
| Core capital (leverage) ratio | 10.3723% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,961,500 | 2,841 |
| Average earning assets | $189,496,250 | 2,898 |
| Average equity | $23,519,500 | 2,900 |
| Average total loans | $145,249,000 | 2,707 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,423 |
| Cost of funding earning assets | 0.5116% | 3,466 |
| Net interest margin | 4.1825% | 962 |
| Noninterest income to average assets | 0.9495% | 1,071 |
| Noninterest expense to average assets | 3.5042% | 745 |
| Loan and lease loss provision to assets | 0.0242% | 3,948 |
| Net operating income to assets | 1.1758% | 1,705 |
| Return on assets (ROA) | 1.1758% | 1,844 |
| Pretax return on assets | 1.1758% | 2,444 |
| Return on Equity (ROE) | 10.4433% | 1,828 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,016 |
| Net charge-offs to loans | -0.1014% | 4,852 |
| Credit loss provision to net charge-offs | -34.2466% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4913% | 1,418 |
| Assets per employee ($millions) | 3.3060% | 4,737 |
| Cash dividends to net income (ytd only)* | 63.7336% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,862 |
| Loan loss allowance to noncurrent loans | 690.6122% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 3,384 |
| Noncurrent loans to loans | 0.1641% | 3,795 |
| Net loans and leases to total assets | 65.6743% | 2,672 |
| Net loans and leases to deposits | 73.8638% | 3,088 |
| Net loans and leases to core deposits | 77.3915% | 3,161 |
| Total domestic deposits to total assets | 88.9126% | 782 |
| Equity capital to assets | 10.7115% | 2,562 |
| Core capital (leverage) ratio | 10.7524% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,838,667 | 2,847 |
| Average earning assets | $185,679,000 | 2,906 |
| Average equity | $23,287,667 | 2,910 |
| Average total loans | $143,914,667 | 2,712 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,091 |
| Cost of funding earning assets | 0.5410% | 3,736 |
| Net interest margin | 4.3978% | 630 |
| Noninterest income to average assets | 0.9259% | 1,011 |
| Noninterest expense to average assets | 3.6148% | 803 |
| Loan and lease loss provision to assets | 0.0101% | 3,642 |
| Net operating income to assets | 1.2292% | 1,433 |
| Return on assets (ROA) | 1.2292% | 1,536 |
| Pretax return on assets | 1.2292% | 2,103 |
| Return on Equity (ROE) | 10.6240% | 1,527 |
| Retained earnings to average equity (ytd only) | 3.1977% | 2,999 |
| Net charge-offs to loans | -0.2040% | 4,940 |
| Credit loss provision to net charge-offs | -6.9444% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4690% | 1,751 |
| Assets per employee ($millions) | 2.9403% | 4,818 |
| Cash dividends to net income (ytd only)* | 69.9013% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,870 |
| Loan loss allowance to noncurrent loans | 1,440.5172% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,686 |
| Noncurrent loans to loans | 0.0806% | 4,190 |
| Net loans and leases to total assets | 71.1272% | 2,069 |
| Net loans and leases to deposits | 80.7875% | 2,598 |
| Net loans and leases to core deposits | 85.0488% | 2,759 |
| Total domestic deposits to total assets | 88.0424% | 1,090 |
| Equity capital to assets | 11.4825% | 2,450 |
| Core capital (leverage) ratio | 11.4108% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,855,500 | 2,892 |
| Average earning assets | $176,725,500 | 2,947 |
| Average equity | $22,891,500 | 2,933 |
| Average total loans | $141,206,500 | 2,717 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 1,552 |
| Cost of funding earning assets | 0.4975% | 4,099 |
| Net interest margin | 4.4716% | 761 |
| Noninterest income to average assets | 1.0147% | 943 |
| Noninterest expense to average assets | 3.7670% | 702 |
| Loan and lease loss provision to assets | 0.0671% | 2,674 |
| Net operating income to assets | 1.2233% | 1,971 |
| Return on assets (ROA) | 1.2233% | 2,058 |
| Pretax return on assets | 1.2233% | 2,756 |
| Return on Equity (ROE) | 10.6690% | 2,017 |
| Retained earnings to average equity (ytd only) | 4.2289% | 2,842 |
| Net charge-offs to loans | -0.0036% | 4,297 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4844% | 1,550 |
| Assets per employee ($millions) | 2.8790% | 4,873 |
| Cash dividends to net income (ytd only)* | 60.3630% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,692 |
| Loan loss allowance to noncurrent loans | 1,374.1379% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,078 |
| Noncurrent loans to loans | 0.0837% | 4,184 |
| Net loans and leases to total assets | 69.9472% | 2,401 |
| Net loans and leases to deposits | 79.3474% | 2,857 |
| Net loans and leases to core deposits | 83.7305% | 2,976 |
| Total domestic deposits to total assets | 88.1531% | 1,062 |
| Equity capital to assets | 11.6590% | 2,379 |
| Core capital (leverage) ratio | 11.3957% | 2,189 |
| Tier 1 risk-based capital ratio | 14.7947% | 2,867 |
| Total risk-based capital ratio | 15.8478% | 2,869 |
| Memoranda: | ||
| Average total assets | $193,654,800 | 2,891 |
| Average earning assets | $175,081,800 | 2,931 |
| Average equity | $22,204,600 | 2,945 |
| Average total loans | $138,635,400 | 2,743 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 1,677 |
| Cost of funding earning assets | 0.4775% | 4,227 |
| Net interest margin | 4.4723% | 819 |
| Noninterest income to average assets | 0.9969% | 942 |
| Noninterest expense to average assets | 3.7246% | 728 |
| Loan and lease loss provision to assets | 0.0897% | 2,109 |
| Net operating income to assets | 1.2365% | 2,073 |
| Return on assets (ROA) | 1.2365% | 2,150 |
| Pretax return on assets | 1.2365% | 2,870 |
| Return on Equity (ROE) | 10.8299% | 2,085 |
| Retained earnings to average equity (ytd only) | 4.9040% | 2,936 |
| Net charge-offs to loans | 0.1558% | 1,061 |
| Credit loss provision to net charge-offs | 80.2469% | 2,504 |
| Earnings coverage of net charge-offs (x) | 11.8583% | 2,409 |
| Efficiency ratio | 73.7425% | 1,609 |
| Assets per employee ($millions) | 2.9008% | 4,937 |
| Cash dividends to net income (ytd only)* | 54.7179% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,446 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.3413% | 2,419 |
| Net loans and leases to deposits | 79.8158% | 2,920 |
| Net loans and leases to core deposits | 82.8889% | 3,187 |
| Total domestic deposits to total assets | 88.1295% | 981 |
| Equity capital to assets | 11.5592% | 2,623 |
| Core capital (leverage) ratio | 11.5127% | 2,207 |
| Tier 1 risk-based capital ratio | 14.5196% | 3,067 |
| Total risk-based capital ratio | 15.4502% | 3,131 |
| Memoranda: | ||
| Average total assets | $193,125,500 | 2,915 |
| Average earning assets | $175,059,000 | 2,960 |
| Average equity | $22,049,500 | 2,982 |
| Average total loans | $138,661,500 | 2,766 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 1,658 |
| Cost of funding earning assets | 0.4476% | 4,332 |
| Net interest margin | 4.4853% | 796 |
| Noninterest income to average assets | 0.9596% | 955 |
| Noninterest expense to average assets | 3.7528% | 699 |
| Loan and lease loss provision to assets | 0.0939% | 1,974 |
| Net operating income to assets | 1.1786% | 2,228 |
| Return on assets (ROA) | 1.1786% | 2,301 |
| Pretax return on assets | 1.1786% | 2,981 |
| Return on Equity (ROE) | 10.3674% | 2,226 |
| Retained earnings to average equity (ytd only) | 4.1286% | 3,182 |
| Net charge-offs to loans | 0.2200% | 761 |
| Credit loss provision to net charge-offs | 59.2105% | 2,407 |
| Earnings coverage of net charge-offs (x) | 8.0263% | 2,442 |
| Efficiency ratio | 74.6783% | 1,562 |
| Assets per employee ($millions) | 2.8291% | 5,000 |
| Cash dividends to net income (ytd only)* | 60.1770% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,502 |
| Loan loss allowance to noncurrent loans | 368.6016% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,121 |
| Noncurrent loans to loans | 0.2766% | 3,540 |
| Net loans and leases to total assets | 71.5397% | 2,276 |
| Net loans and leases to deposits | 81.3048% | 2,808 |
| Net loans and leases to core deposits | 84.8863% | 3,042 |
| Total domestic deposits to total assets | 87.9896% | 1,105 |
| Equity capital to assets | 11.8036% | 2,341 |
| Core capital (leverage) ratio | 11.3849% | 2,260 |
| Tier 1 risk-based capital ratio | 14.5273% | 3,056 |
| Total risk-based capital ratio | 15.4538% | 3,125 |
| Memoranda: | ||
| Average total assets | $191,749,330 | 2,944 |
| Average earning assets | $173,814,000 | 2,986 |
| Average equity | $21,799,000 | 2,992 |
| Average total loans | $138,156,000 | 2,785 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 1,606 |
| Cost of funding earning assets | 0.4008% | 4,480 |
| Net interest margin | 4.4935% | 751 |
| Noninterest income to average assets | 0.9355% | 953 |
| Noninterest expense to average assets | 3.6692% | 782 |
| Loan and lease loss provision to assets | 0.1141% | 1,549 |
| Net operating income to assets | 1.2217% | 1,979 |
| Return on assets (ROA) | 1.2217% | 2,025 |
| Pretax return on assets | 1.2217% | 2,724 |
| Return on Equity (ROE) | 10.9523% | 1,966 |
| Retained earnings to average equity (ytd only) | 3.8863% | 3,359 |
| Net charge-offs to loans | 0.1961% | 713 |
| Credit loss provision to net charge-offs | 80.8824% | 1,778 |
| Earnings coverage of net charge-offs (x) | 9.4706% | 2,025 |
| Efficiency ratio | 73.3112% | 1,840 |
| Assets per employee ($millions) | 2.9584% | 4,994 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,457 |
| Loan loss allowance to noncurrent loans | 464.9518% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,089 |
| Noncurrent loans to loans | 0.2239% | 3,785 |
| Net loans and leases to total assets | 70.3936% | 2,420 |
| Net loans and leases to deposits | 79.3936% | 2,904 |
| Net loans and leases to core deposits | 82.3065% | 3,162 |
| Total domestic deposits to total assets | 88.6641% | 1,012 |
| Equity capital to assets | 11.1685% | 2,686 |
| Core capital (leverage) ratio | 11.2337% | 2,358 |
| Tier 1 risk-based capital ratio | 14.3051% | 3,190 |
| Total risk-based capital ratio | 15.2599% | 3,250 |
| Memoranda: | ||
| Average total assets | $192,848,000 | 2,968 |
| Average earning assets | $174,653,000 | 3,005 |
| Average equity | $21,511,500 | 3,025 |
| Average total loans | $138,733,000 | 2,807 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,958 |
| Cost of funding earning assets | 0.3108% | 4,518 |
| Net interest margin | 4.3489% | 1,042 |
| Noninterest income to average assets | 1.0598% | 835 |
| Noninterest expense to average assets | 3.7755% | 709 |
| Loan and lease loss provision to assets | 0.0711% | 2,713 |
| Net operating income to assets | 1.1320% | 2,462 |
| Return on assets (ROA) | 1.1320% | 2,464 |
| Pretax return on assets | 1.1320% | 3,162 |
| Return on Equity (ROE) | 10.4510% | 2,320 |
| Retained earnings to average equity (ytd only) | 4.5936% | 2,998 |
| Net charge-offs to loans | 0.0644% | 2,200 |
| Credit loss provision to net charge-offs | 158.8235% | 1,743 |
| Earnings coverage of net charge-offs (x) | 26.8824% | 1,709 |
| Efficiency ratio | 75.8354% | 1,388 |
| Assets per employee ($millions) | 2.8855% | 5,052 |
| Cash dividends to net income (ytd only)* | 56.0465% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,362 |
| Loan loss allowance to noncurrent loans | 1,444.5545% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 3,759 |
| Noncurrent loans to loans | 0.0729% | 4,425 |
| Net loans and leases to total assets | 71.9982% | 2,256 |
| Net loans and leases to deposits | 81.2022% | 2,830 |
| Net loans and leases to core deposits | 84.2627% | 3,059 |
| Total domestic deposits to total assets | 88.6653% | 997 |
| Equity capital to assets | 11.1405% | 2,565 |
| Core capital (leverage) ratio | 10.8252% | 2,704 |
| Tier 1 risk-based capital ratio | 15.3280% | 2,685 |
| Total risk-based capital ratio | 16.3704% | 2,709 |
| Memoranda: | ||
| Average total assets | $189,936,400 | 2,963 |
| Average earning assets | $171,147,600 | 3,011 |
| Average equity | $20,572,200 | 3,034 |
| Average total loans | $131,916,600 | 2,858 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,120 |
| Cost of funding earning assets | 0.2884% | 4,595 |
| Net interest margin | 4.2638% | 1,198 |
| Noninterest income to average assets | 1.0712% | 827 |
| Noninterest expense to average assets | 3.7833% | 682 |
| Loan and lease loss provision to assets | 0.0632% | 2,713 |
| Net operating income to assets | 1.0677% | 2,796 |
| Return on assets (ROA) | 1.0677% | 2,810 |
| Pretax return on assets | 1.0677% | 3,511 |
| Return on Equity (ROE) | 9.9289% | 2,654 |
| Retained earnings to average equity (ytd only) | 4.0173% | 3,761 |
| Net charge-offs to loans | 0.0624% | 1,932 |
| Credit loss provision to net charge-offs | 147.5410% | 1,731 |
| Earnings coverage of net charge-offs (x) | 26.3938% | 1,748 |
| Efficiency ratio | 76.9868% | 1,229 |
| Assets per employee ($millions) | 3.0736% | 4,983 |
| Cash dividends to net income (ytd only)* | 59.5395% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,393 |
| Loan loss allowance to noncurrent loans | 546.7681% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,530 |
| Noncurrent loans to loans | 0.1945% | 4,014 |
| Net loans and leases to total assets | 64.9755% | 3,304 |
| Net loans and leases to deposits | 72.4146% | 3,740 |
| Net loans and leases to core deposits | 75.7183% | 3,825 |
| Total domestic deposits to total assets | 89.7271% | 592 |
| Equity capital to assets | 9.9898% | 3,658 |
| Core capital (leverage) ratio | 10.8609% | 2,714 |
| Tier 1 risk-based capital ratio | 15.1015% | 2,838 |
| Total risk-based capital ratio | 16.1294% | 2,851 |
| Memoranda: | ||
| Average total assets | $189,810,250 | 2,987 |
| Average earning assets | $171,080,250 | 3,040 |
| Average equity | $20,411,250 | 3,079 |
| Average total loans | $130,252,500 | 2,897 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 1,720 |
| Cost of funding earning assets | 0.2755% | 4,597 |
| Net interest margin | 4.3461% | 947 |
| Noninterest income to average assets | 1.0985% | 801 |
| Noninterest expense to average assets | 3.9255% | 588 |
| Loan and lease loss provision to assets | 0.0596% | 2,710 |
| Net operating income to assets | 1.0312% | 2,887 |
| Return on assets (ROA) | 1.0312% | 2,888 |
| Pretax return on assets | 1.0312% | 3,563 |
| Return on Equity (ROE) | 9.3429% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.3992% | 3,875 |
| Net charge-offs to loans | 0.0607% | 1,739 |
| Credit loss provision to net charge-offs | 141.0256% | 1,638 |
| Earnings coverage of net charge-offs (x) | 25.7949% | 1,627 |
| Efficiency ratio | 78.2534% | 1,177 |
| Assets per employee ($millions) | 2.6533% | 5,285 |
| Cash dividends to net income (ytd only)* | 63.6172% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,197.4790% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,763 |
| Noncurrent loans to loans | 0.0910% | 4,508 |
| Net loans and leases to total assets | 70.6815% | 2,481 |
| Net loans and leases to deposits | 79.7715% | 2,975 |
| Net loans and leases to core deposits | 83.9347% | 3,086 |
| Total domestic deposits to total assets | 88.6049% | 1,093 |
| Equity capital to assets | 11.1476% | 2,509 |
| Core capital (leverage) ratio | 11.3305% | 2,225 |
| Tier 1 risk-based capital ratio | 16.0786% | 2,409 |
| Total risk-based capital ratio | 17.1772% | 2,403 |
| Memoranda: | ||
| Average total assets | $184,437,000 | 3,052 |
| Average earning assets | $166,263,670 | 3,105 |
| Average equity | $20,357,670 | 3,096 |
| Average total loans | $128,589,330 | 2,928 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 1,747 |
| Cost of funding earning assets | 0.2656% | 4,609 |
| Net interest margin | 4.2742% | 998 |
| Noninterest income to average assets | 1.1171% | 749 |
| Noninterest expense to average assets | 3.9305% | 567 |
| Loan and lease loss provision to assets | 0.0648% | 2,476 |
| Net operating income to assets | 0.9810% | 2,932 |
| Return on assets (ROA) | 0.9810% | 2,961 |
| Pretax return on assets | 0.9810% | 3,599 |
| Return on Equity (ROE) | 8.9317% | 2,938 |
| Retained earnings to average equity (ytd only) | 1.9477% | 4,361 |
| Net charge-offs to loans | 0.0502% | 1,598 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,235 |
| Efficiency ratio | 78.9839% | 1,258 |
| Assets per employee ($millions) | 2.6820% | 5,338 |
| Cash dividends to net income (ytd only)* | 78.1938% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,236 |
| Loan loss allowance to noncurrent loans | 658.7963% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,497 |
| Noncurrent loans to loans | 0.1705% | 4,213 |
| Net loans and leases to total assets | 67.6777% | 2,804 |
| Net loans and leases to deposits | 76.2027% | 3,190 |
| Net loans and leases to core deposits | 78.9843% | 3,403 |
| Total domestic deposits to total assets | 88.8127% | 1,199 |
| Equity capital to assets | 10.9166% | 2,664 |
| Core capital (leverage) ratio | 11.1330% | 2,304 |
| Tier 1 risk-based capital ratio | 16.4167% | 2,310 |
| Total risk-based capital ratio | 17.5502% | 2,304 |
| Memoranda: | ||
| Average total assets | $185,116,000 | 3,079 |
| Average earning assets | $167,143,500 | 3,129 |
| Average equity | $20,332,000 | 3,129 |
| Average total loans | $127,470,000 | 2,969 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 1,740 |
| Cost of funding earning assets | 0.2474% | 4,585 |
| Net interest margin | 4.2415% | 1,098 |
| Noninterest income to average assets | 1.0260% | 968 |
| Noninterest expense to average assets | 3.8112% | 687 |
| Loan and lease loss provision to assets | 0.0840% | 2,528 |
| Net operating income to assets | 0.9546% | 2,425 |
| Return on assets (ROA) | 0.9546% | 2,460 |
| Pretax return on assets | 0.9546% | 3,720 |
| Return on Equity (ROE) | 9.0605% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.3247% | 1,912 |
| Net charge-offs to loans | 0.2106% | 1,237 |
| Credit loss provision to net charge-offs | 59.7015% | 3,219 |
| Earnings coverage of net charge-offs (x) | 7.3843% | 3,051 |
| Efficiency ratio | 78.5846% | 1,272 |
| Assets per employee ($millions) | 2.6453% | 5,402 |
| Cash dividends to net income (ytd only)* | 41.2314% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,368 |
| Loan loss allowance to noncurrent loans | 814.4509% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,601 |
| Noncurrent loans to loans | 0.1349% | 4,389 |
| Net loans and leases to total assets | 68.5112% | 2,748 |
| Net loans and leases to deposits | 77.2973% | 3,192 |
| Net loans and leases to core deposits | 80.7111% | 3,363 |
| Total domestic deposits to total assets | 88.6334% | 1,174 |
| Equity capital to assets | 11.0501% | 2,581 |
| Core capital (leverage) ratio | 11.0148% | 2,323 |
| Tier 1 risk-based capital ratio | 16.2163% | 2,358 |
| Total risk-based capital ratio | 17.3303% | 2,341 |
| Memoranda: | ||
| Average total assets | $190,544,000 | 3,012 |
| Average earning assets | $171,777,000 | 3,050 |
| Average equity | $20,076,200 | 3,134 |
| Average total loans | $127,281,800 | 2,956 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 1,792 |
| Cost of funding earning assets | 0.2433% | 4,631 |
| Net interest margin | 4.2046% | 1,145 |
| Noninterest income to average assets | 1.0346% | 954 |
| Noninterest expense to average assets | 3.7848% | 686 |
| Loan and lease loss provision to assets | 0.0903% | 2,263 |
| Net operating income to assets | 0.9540% | 2,756 |
| Return on assets (ROA) | 0.9540% | 2,817 |
| Pretax return on assets | 0.9540% | 3,850 |
| Return on Equity (ROE) | 9.1624% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.8257% | 2,361 |
| Net charge-offs to loans | 0.2372% | 898 |
| Credit loss provision to net charge-offs | 57.5221% | 2,833 |
| Earnings coverage of net charge-offs (x) | 6.6504% | 2,963 |
| Efficiency ratio | 78.3741% | 1,279 |
| Assets per employee ($millions) | 2.6371% | 5,473 |
| Cash dividends to net income (ytd only)* | 36.4166% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,332 |
| Loan loss allowance to noncurrent loans | 407.1633% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 3,139 |
| Noncurrent loans to loans | 0.2767% | 3,960 |
| Net loans and leases to total assets | 66.6020% | 3,026 |
| Net loans and leases to deposits | 75.2267% | 3,447 |
| Net loans and leases to core deposits | 78.5103% | 3,588 |
| Total domestic deposits to total assets | 88.5351% | 1,104 |
| Equity capital to assets | 11.0018% | 2,858 |
| Core capital (leverage) ratio | 10.6389% | 2,838 |
| Tier 1 risk-based capital ratio | 16.1933% | 2,418 |
| Total risk-based capital ratio | 17.3260% | 2,411 |
| Memoranda: | ||
| Average total assets | $191,886,500 | 3,024 |
| Average earning assets | $173,171,500 | 3,062 |
| Average equity | $19,979,750 | 3,164 |
| Average total loans | $127,033,750 | 2,983 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,857 |
| Cost of funding earning assets | 0.2265% | 4,747 |
| Net interest margin | 4.1616% | 1,166 |
| Noninterest income to average assets | 1.0132% | 993 |
| Noninterest expense to average assets | 3.7407% | 730 |
| Loan and lease loss provision to assets | 0.1034% | 1,959 |
| Net operating income to assets | 0.9502% | 2,659 |
| Return on assets (ROA) | 0.9502% | 2,716 |
| Pretax return on assets | 0.9502% | 3,762 |
| Return on Equity (ROE) | 9.2953% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.7667% | 1,704 |
| Net charge-offs to loans | 0.2387% | 855 |
| Credit loss provision to net charge-offs | 65.7895% | 2,419 |
| Earnings coverage of net charge-offs (x) | 6.7039% | 2,675 |
| Efficiency ratio | 78.0246% | 1,458 |
| Assets per employee ($millions) | 2.7415% | 5,453 |
| Cash dividends to net income (ytd only)* | 27.2035% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,343 |
| Loan loss allowance to noncurrent loans | 382.5065% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,117 |
| Noncurrent loans to loans | 0.2994% | 3,967 |
| Net loans and leases to total assets | 64.9680% | 3,258 |
| Net loans and leases to deposits | 72.9232% | 3,654 |
| Net loans and leases to core deposits | 76.2564% | 3,747 |
| Total domestic deposits to total assets | 89.0911% | 913 |
| Equity capital to assets | 10.5000% | 3,343 |
| Core capital (leverage) ratio | 10.3101% | 3,132 |
| Tier 1 risk-based capital ratio | 15.6499% | 2,645 |
| Total risk-based capital ratio | 16.7900% | 2,625 |
| Memoranda: | ||
| Average total assets | $193,437,670 | 3,027 |
| Average earning assets | $175,750,000 | 3,039 |
| Average equity | $19,773,330 | 3,181 |
| Average total loans | $127,337,670 | 2,983 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 1,665 |
| Cost of funding earning assets | 0.2278% | 4,735 |
| Net interest margin | 4.1640% | 1,060 |
| Noninterest income to average assets | 0.9853% | 1,034 |
| Noninterest expense to average assets | 3.7317% | 745 |
| Loan and lease loss provision to assets | 0.0830% | 2,156 |
| Net operating income to assets | 0.9625% | 2,469 |
| Return on assets (ROA) | 0.9625% | 2,525 |
| Pretax return on assets | 0.9625% | 3,534 |
| Return on Equity (ROE) | 9.5468% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.4031% | 3,223 |
| Net charge-offs to loans | 0.4093% | 447 |
| Credit loss provision to net charge-offs | 30.7692% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.8769% | 2,441 |
| Efficiency ratio | 78.1155% | 1,613 |
| Assets per employee ($millions) | 2.7922% | 5,493 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,550 |
| Loan loss allowance to noncurrent loans | 265.2416% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 2,963 |
| Noncurrent loans to loans | 0.4240% | 3,575 |
| Net loans and leases to total assets | 64.1841% | 3,250 |
| Net loans and leases to deposits | 71.7330% | 3,633 |
| Net loans and leases to core deposits | 75.0907% | 3,734 |
| Total domestic deposits to total assets | 89.4764% | 906 |
| Equity capital to assets | 10.0995% | 3,624 |
| Core capital (leverage) ratio | 10.1928% | 3,246 |
| Tier 1 risk-based capital ratio | 15.5898% | 2,721 |
| Total risk-based capital ratio | 16.7217% | 2,698 |
| Memoranda: | ||
| Average total assets | $192,832,500 | 3,057 |
| Average earning assets | $175,601,500 | 3,074 |
| Average equity | $19,441,000 | 3,230 |
| Average total loans | $127,044,500 | 3,007 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,587 |
| Cost of funding earning assets | 0.2558% | 4,513 |
| Net interest margin | 4.2275% | 1,057 |
| Noninterest income to average assets | 1.1105% | 932 |
| Noninterest expense to average assets | 3.8816% | 707 |
| Loan and lease loss provision to assets | 0.1763% | 1,370 |
| Net operating income to assets | 0.8912% | 2,872 |
| Return on assets (ROA) | 0.8912% | 2,989 |
| Pretax return on assets | 0.8912% | 3,877 |
| Return on Equity (ROE) | 8.8781% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.0046% | 2,346 |
| Net charge-offs to loans | 0.5307% | 452 |
| Credit loss provision to net charge-offs | 50.3704% | 3,371 |
| Earnings coverage of net charge-offs (x) | 3.0504% | 3,727 |
| Efficiency ratio | 78.4308% | 1,638 |
| Assets per employee ($millions) | 2.6790% | 5,573 |
| Cash dividends to net income (ytd only)* | 43.6300% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,165 |
| Loan loss allowance to noncurrent loans | 407.7957% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 3,324 |
| Noncurrent loans to loans | 0.2924% | 4,102 |
| Net loans and leases to total assets | 66.0817% | 3,061 |
| Net loans and leases to deposits | 73.8890% | 3,526 |
| Net loans and leases to core deposits | 75.5618% | 3,787 |
| Total domestic deposits to total assets | 89.4338% | 890 |
| Equity capital to assets | 10.0636% | 3,659 |
| Core capital (leverage) ratio | 10.0789% | 3,393 |
| Tier 1 risk-based capital ratio | 15.5420% | 2,735 |
| Total risk-based capital ratio | 16.7547% | 2,680 |
| Memoranda: | ||
| Average total assets | $192,882,600 | 3,038 |
| Average earning assets | $175,139,800 | 3,055 |
| Average equity | $19,362,200 | 3,232 |
| Average total loans | $127,183,400 | 2,959 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,627 |
| Cost of funding earning assets | 0.2598% | 4,507 |
| Net interest margin | 4.2120% | 1,098 |
| Noninterest income to average assets | 1.1049% | 929 |
| Noninterest expense to average assets | 3.8625% | 704 |
| Loan and lease loss provision to assets | 0.2101% | 1,004 |
| Net operating income to assets | 0.8521% | 3,139 |
| Return on assets (ROA) | 0.8521% | 3,266 |
| Pretax return on assets | 0.8521% | 4,146 |
| Return on Equity (ROE) | 8.4939% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.0607% | 2,784 |
| Net charge-offs to loans | 0.6594% | 301 |
| Credit loss provision to net charge-offs | 48.4897% | 3,051 |
| Earnings coverage of net charge-offs (x) | 2.4515% | 3,567 |
| Efficiency ratio | 78.4305% | 1,630 |
| Assets per employee ($millions) | 2.7162% | 5,595 |
| Cash dividends to net income (ytd only)* | 40.4204% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,334 |
| Loan loss allowance to noncurrent loans | 276.3110% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 3,131 |
| Noncurrent loans to loans | 0.4290% | 3,750 |
| Net loans and leases to total assets | 65.1368% | 3,253 |
| Net loans and leases to deposits | 73.0190% | 3,698 |
| Net loans and leases to core deposits | 74.6292% | 3,954 |
| Total domestic deposits to total assets | 89.2052% | 798 |
| Equity capital to assets | 10.1812% | 3,937 |
| Core capital (leverage) ratio | 9.8365% | 3,769 |
| Tier 1 risk-based capital ratio | 14.9480% | 3,081 |
| Total risk-based capital ratio | 16.1370% | 3,033 |
| Memoranda: | ||
| Average total assets | $193,550,750 | 3,034 |
| Average earning assets | $175,527,500 | 3,067 |
| Average equity | $19,417,250 | 3,246 |
| Average total loans | $127,176,500 | 2,966 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 1,637 |
| Cost of funding earning assets | 0.2616% | 4,533 |
| Net interest margin | 4.2004% | 1,114 |
| Noninterest income to average assets | 1.0577% | 1,000 |
| Noninterest expense to average assets | 3.8439% | 722 |
| Loan and lease loss provision to assets | 0.2489% | 779 |
| Net operating income to assets | 0.7777% | 3,414 |
| Return on assets (ROA) | 0.7777% | 3,560 |
| Pretax return on assets | 0.7777% | 4,362 |
| Return on Equity (ROE) | 7.7911% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.5970% | 4,238 |
| Net charge-offs to loans | 1.3334% | 118 |
| Credit loss provision to net charge-offs | 28.4360% | 2,872 |
| Earnings coverage of net charge-offs (x) | 1.1730% | 3,446 |
| Efficiency ratio | 78.9227% | 1,651 |
| Assets per employee ($millions) | 2.7860% | 5,618 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,684 |
| Loan loss allowance to noncurrent loans | 70.5085% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 1,512 |
| Noncurrent loans to loans | 1.3733% | 1,628 |
| Net loans and leases to total assets | 65.4499% | 3,162 |
| Net loans and leases to deposits | 75.0463% | 3,475 |
| Net loans and leases to core deposits | 76.7004% | 3,764 |
| Total domestic deposits to total assets | 87.2127% | 1,799 |
| Equity capital to assets | 10.0989% | 4,091 |
| Core capital (leverage) ratio | 9.6050% | 4,061 |
| Tier 1 risk-based capital ratio | 14.4590% | 3,341 |
| Total risk-based capital ratio | 15.4228% | 3,426 |
| Memoranda: | ||
| Average total assets | $192,878,670 | 3,061 |
| Average earning assets | $175,080,330 | 3,087 |
| Average equity | $19,252,670 | 3,267 |
| Average total loans | $126,597,330 | 2,989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,615 |
| Cost of funding earning assets | 0.2692% | 4,511 |
| Net interest margin | 4.1945% | 1,106 |
| Noninterest income to average assets | 0.9885% | 1,100 |
| Noninterest expense to average assets | 3.8851% | 699 |
| Loan and lease loss provision to assets | 0.0834% | 2,287 |
| Net operating income to assets | 0.8217% | 3,145 |
| Return on assets (ROA) | 0.8217% | 3,269 |
| Pretax return on assets | 0.8217% | 4,128 |
| Return on Equity (ROE) | 8.2810% | 2,770 |
| Retained earnings to average equity (ytd only) | 3.0266% | 4,000 |
| Net charge-offs to loans | 0.3029% | 710 |
| Credit loss provision to net charge-offs | 42.1053% | 2,131 |
| Earnings coverage of net charge-offs (x) | 4.5684% | 2,412 |
| Efficiency ratio | 81.1058% | 1,473 |
| Assets per employee ($millions) | 2.6690% | 5,747 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 2,294 |
| Loan loss allowance to noncurrent loans | 89.6259% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 1,407 |
| Noncurrent loans to loans | 1.5949% | 1,454 |
| Net loans and leases to total assets | 63.5991% | 3,293 |
| Net loans and leases to deposits | 71.0439% | 3,749 |
| Net loans and leases to core deposits | 72.7319% | 4,004 |
| Total domestic deposits to total assets | 89.5209% | 825 |
| Equity capital to assets | 9.8899% | 4,225 |
| Core capital (leverage) ratio | 9.7061% | 3,901 |
| Tier 1 risk-based capital ratio | 14.7633% | 3,258 |
| Total risk-based capital ratio | 16.0171% | 3,194 |
| Memoranda: | ||
| Average total assets | $191,807,500 | 3,079 |
| Average earning assets | $173,848,000 | 3,114 |
| Average equity | $19,031,500 | 3,298 |
| Average total loans | $125,451,500 | 3,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,374 |
| Cost of funding earning assets | 0.3620% | 3,556 |
| Net interest margin | 4.2237% | 1,116 |
| Noninterest income to average assets | 1.0787% | 1,012 |
| Noninterest expense to average assets | 3.9891% | 683 |
| Loan and lease loss provision to assets | 0.0992% | 2,325 |
| Net operating income to assets | 0.8161% | 3,273 |
| Return on assets (ROA) | 0.8161% | 3,353 |
| Pretax return on assets | 0.8161% | 4,140 |
| Return on Equity (ROE) | 8.3729% | 2,770 |
| Retained earnings to average equity (ytd only) | 3.0160% | 3,907 |
| Net charge-offs to loans | 0.1490% | 1,876 |
| Credit loss provision to net charge-offs | 100.5291% | 2,489 |
| Earnings coverage of net charge-offs (x) | 9.2751% | 2,839 |
| Efficiency ratio | 81.3372% | 1,495 |
| Assets per employee ($millions) | 2.6219% | 5,834 |
| Cash dividends to net income (ytd only)* | 63.9795% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 2,108 |
| Loan loss allowance to noncurrent loans | 137.9002% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 1,693 |
| Noncurrent loans to loans | 1.0728% | 2,199 |
| Net loans and leases to total assets | 65.3357% | 3,078 |
| Net loans and leases to deposits | 73.1012% | 3,602 |
| Net loans and leases to core deposits | 75.0125% | 3,849 |
| Total domestic deposits to total assets | 89.3770% | 923 |
| Equity capital to assets | 9.9556% | 4,011 |
| Core capital (leverage) ratio | 9.6709% | 3,943 |
| Tier 1 risk-based capital ratio | 14.7508% | 3,302 |
| Total risk-based capital ratio | 16.0044% | 3,233 |
| Memoranda: | ||
| Average total assets | $191,520,400 | 3,028 |
| Average earning assets | $173,474,200 | 3,074 |
| Average equity | $18,667,400 | 3,299 |
| Average total loans | $126,852,200 | 2,937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,361 |
| Cost of funding earning assets | 0.3875% | 3,360 |
| Net interest margin | 4.2003% | 1,165 |
| Noninterest income to average assets | 1.1064% | 982 |
| Noninterest expense to average assets | 3.9845% | 681 |
| Loan and lease loss provision to assets | 0.0798% | 2,579 |
| Net operating income to assets | 0.8470% | 3,184 |
| Return on assets (ROA) | 0.8470% | 3,272 |
| Pretax return on assets | 0.8470% | 4,187 |
| Return on Equity (ROE) | 8.7357% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.3698% | 4,072 |
| Net charge-offs to loans | 0.1194% | 1,926 |
| Credit loss provision to net charge-offs | 100.8772% | 2,243 |
| Earnings coverage of net charge-offs (x) | 11.7190% | 2,465 |
| Efficiency ratio | 81.1299% | 1,505 |
| Assets per employee ($millions) | 2.5767% | 5,919 |
| Cash dividends to net income (ytd only)* | 61.4253% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,044 |
| Loan loss allowance to noncurrent loans | 132.3803% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 1,924 |
| Noncurrent loans to loans | 1.1534% | 2,207 |
| Net loans and leases to total assets | 61.8060% | 3,638 |
| Net loans and leases to deposits | 69.1275% | 4,082 |
| Net loans and leases to core deposits | 70.7297% | 4,304 |
| Total domestic deposits to total assets | 89.4087% | 815 |
| Equity capital to assets | 9.8074% | 4,383 |
| Core capital (leverage) ratio | 9.5601% | 4,221 |
| Tier 1 risk-based capital ratio | 14.9913% | 3,295 |
| Total risk-based capital ratio | 16.2449% | 3,236 |
| Memoranda: | ||
| Average total assets | $192,205,750 | 3,054 |
| Average earning assets | $174,108,500 | 3,086 |
| Average equity | $18,635,750 | 3,326 |
| Average total loans | $127,267,250 | 2,952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 1,180 |
| Cost of funding earning assets | 0.4113% | 3,146 |
| Net interest margin | 4.2310% | 1,045 |
| Noninterest income to average assets | 1.0977% | 1,002 |
| Noninterest expense to average assets | 3.9342% | 734 |
| Loan and lease loss provision to assets | 0.0834% | 2,450 |
| Net operating income to assets | 0.9194% | 2,786 |
| Return on assets (ROA) | 0.9194% | 2,914 |
| Pretax return on assets | 0.9194% | 3,885 |
| Return on Equity (ROE) | 9.5197% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.1230% | 3,398 |
| Net charge-offs to loans | 0.3868% | 673 |
| Credit loss provision to net charge-offs | 32.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.8480% | 3,128 |
| Efficiency ratio | 79.6875% | 1,802 |
| Assets per employee ($millions) | 2.4842% | 6,040 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,027 |
| Loan loss allowance to noncurrent loans | 120.1573% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 2,285 |
| Noncurrent loans to loans | 1.1163% | 2,416 |
| Net loans and leases to total assets | 64.6393% | 3,176 |
| Net loans and leases to deposits | 72.2148% | 3,701 |
| Net loans and leases to core deposits | 76.0273% | 3,763 |
| Total domestic deposits to total assets | 89.5098% | 898 |
| Equity capital to assets | 9.6966% | 4,402 |
| Core capital (leverage) ratio | 9.4448% | 4,344 |
| Tier 1 risk-based capital ratio | 14.7034% | 3,527 |
| Total risk-based capital ratio | 15.9550% | 3,454 |
| Memoranda: | ||
| Average total assets | $191,856,670 | 3,080 |
| Average earning assets | $174,096,330 | 3,108 |
| Average equity | $18,530,000 | 3,356 |
| Average total loans | $129,258,330 | 2,928 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 992 |
| Cost of funding earning assets | 0.4214% | 3,055 |
| Net interest margin | 4.3034% | 871 |
| Noninterest income to average assets | 1.0846% | 961 |
| Noninterest expense to average assets | 3.9242% | 745 |
| Loan and lease loss provision to assets | 0.0833% | 2,305 |
| Net operating income to assets | 0.9680% | 2,405 |
| Return on assets (ROA) | 0.9680% | 2,538 |
| Pretax return on assets | 0.9680% | 3,616 |
| Return on Equity (ROE) | 10.0427% | 1,987 |
| Retained earnings to average equity (ytd only) | 4.6434% | 3,241 |
| Net charge-offs to loans | 0.0488% | 2,302 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 31.5625% | 1,121 |
| Efficiency ratio | 78.8703% | 2,065 |
| Assets per employee ($millions) | 2.6139% | 6,034 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,782 |
| Loan loss allowance to noncurrent loans | 129.1322% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 2,023 |
| Noncurrent loans to loans | 1.1078% | 2,551 |
| Net loans and leases to total assets | 65.9015% | 2,792 |
| Net loans and leases to deposits | 73.4495% | 3,374 |
| Net loans and leases to core deposits | 76.8294% | 3,512 |
| Total domestic deposits to total assets | 89.7236% | 888 |
| Equity capital to assets | 9.5633% | 4,676 |
| Core capital (leverage) ratio | 9.4325% | 4,373 |
| Tier 1 risk-based capital ratio | 13.7197% | 4,205 |
| Total risk-based capital ratio | 14.9710% | 4,112 |
| Memoranda: | ||
| Average total assets | $192,143,500 | 3,091 |
| Average earning assets | $173,723,000 | 3,127 |
| Average equity | $18,521,000 | 3,380 |
| Average total loans | $131,225,000 | 2,897 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 1,062 |
| Cost of funding earning assets | 0.5464% | 2,235 |
| Net interest margin | 4.2785% | 1,095 |
| Noninterest income to average assets | 1.0152% | 1,184 |
| Noninterest expense to average assets | 3.9685% | 782 |
| Loan and lease loss provision to assets | 0.2980% | 691 |
| Net operating income to assets | 0.6198% | 4,277 |
| Return on assets (ROA) | 0.6198% | 4,382 |
| Pretax return on assets | 0.6198% | 4,873 |
| Return on Equity (ROE) | 6.4658% | 3,922 |
| Retained earnings to average equity (ytd only) | -0.8055% | 5,896 |
| Net charge-offs to loans | 0.9767% | 312 |
| Credit loss provision to net charge-offs | 45.0980% | 3,585 |
| Earnings coverage of net charge-offs (x) | 1.3890% | 4,430 |
| Efficiency ratio | 81.2175% | 1,746 |
| Assets per employee ($millions) | 2.4769% | 6,172 |
| Cash dividends to net income (ytd only)* | 112.4582% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 2,908 |
| Loan loss allowance to noncurrent loans | 136.5044% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 2,132 |
| Noncurrent loans to loans | 1.0321% | 2,761 |
| Net loans and leases to total assets | 68.8089% | 2,439 |
| Net loans and leases to deposits | 78.3331% | 2,935 |
| Net loans and leases to core deposits | 83.0395% | 2,987 |
| Total domestic deposits to total assets | 87.8414% | 1,855 |
| Equity capital to assets | 9.7181% | 4,444 |
| Core capital (leverage) ratio | 9.3751% | 4,427 |
| Tier 1 risk-based capital ratio | 13.1080% | 4,648 |
| Total risk-based capital ratio | 14.3595% | 4,574 |
| Memoranda: | ||
| Average total assets | $192,968,800 | 3,068 |
| Average earning assets | $174,595,600 | 3,104 |
| Average equity | $18,497,400 | 3,346 |
| Average total loans | $130,535,400 | 2,855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 1,024 |
| Cost of funding earning assets | 0.5611% | 2,185 |
| Net interest margin | 4.2867% | 1,077 |
| Noninterest income to average assets | 1.0727% | 1,060 |
| Noninterest expense to average assets | 3.9412% | 805 |
| Loan and lease loss provision to assets | 0.0343% | 3,716 |
| Net operating income to assets | 0.9745% | 2,573 |
| Return on assets (ROA) | 0.9745% | 2,641 |
| Pretax return on assets | 0.9745% | 3,696 |
| Return on Equity (ROE) | 10.2002% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.8090% | 3,209 |
| Net charge-offs to loans | -0.2466% | 6,350 |
| Credit loss provision to net charge-offs | -20.7469% | 5,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6199% | 1,975 |
| Assets per employee ($millions) | 2.5173% | 6,214 |
| Cash dividends to net income (ytd only)* | 52.8545% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 1,058 |
| Loan loss allowance to noncurrent loans | 91.7959% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 1,289 |
| Noncurrent loans to loans | 2.3104% | 1,297 |
| Net loans and leases to total assets | 67.6689% | 2,589 |
| Net loans and leases to deposits | 78.2174% | 2,927 |
| Net loans and leases to core deposits | 83.1508% | 2,977 |
| Total domestic deposits to total assets | 86.5139% | 2,581 |
| Equity capital to assets | 9.8566% | 4,345 |
| Core capital (leverage) ratio | 9.6307% | 4,191 |
| Tier 1 risk-based capital ratio | 13.3516% | 4,642 |
| Total risk-based capital ratio | 14.6113% | 4,567 |
| Memoranda: | ||
| Average total assets | $194,149,500 | 3,077 |
| Average earning assets | $175,609,250 | 3,119 |
| Average equity | $18,548,250 | 3,357 |
| Average total loans | $130,324,000 | 2,872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 982 |
| Cost of funding earning assets | 0.5733% | 2,135 |
| Net interest margin | 4.2817% | 1,067 |
| Noninterest income to average assets | 1.0666% | 1,048 |
| Noninterest expense to average assets | 3.9041% | 850 |
| Loan and lease loss provision to assets | 0.0515% | 3,272 |
| Net operating income to assets | 0.9863% | 2,378 |
| Return on assets (ROA) | 0.9863% | 2,457 |
| Pretax return on assets | 0.9863% | 3,528 |
| Return on Equity (ROE) | 10.4342% | 1,963 |
| Retained earnings to average equity (ytd only) | 4.9884% | 2,964 |
| Net charge-offs to loans | -0.2339% | 6,378 |
| Credit loss provision to net charge-offs | -33.1126% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0000% | 2,169 |
| Assets per employee ($millions) | 2.5673% | 6,240 |
| Cash dividends to net income (ytd only)* | 52.1921% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,126 |
| Loan loss allowance to noncurrent loans | 364.5033% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 3,165 |
| Noncurrent loans to loans | 0.5841% | 4,271 |
| Net loans and leases to total assets | 64.8342% | 2,938 |
| Net loans and leases to deposits | 72.5452% | 3,498 |
| Net loans and leases to core deposits | 75.3712% | 3,697 |
| Total domestic deposits to total assets | 89.3708% | 1,178 |
| Equity capital to assets | 9.6872% | 4,509 |
| Core capital (leverage) ratio | 9.4640% | 4,380 |
| Tier 1 risk-based capital ratio | 13.6612% | 4,481 |
| Total risk-based capital ratio | 14.9214% | 4,424 |
| Memoranda: | ||
| Average total assets | $194,256,330 | 3,098 |
| Average earning assets | $175,816,330 | 3,132 |
| Average equity | $18,362,670 | 3,382 |
| Average total loans | $129,097,330 | 2,882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 1,098 |
| Cost of funding earning assets | 0.5786% | 2,165 |
| Net interest margin | 4.1959% | 1,236 |
| Noninterest income to average assets | 1.0690% | 974 |
| Noninterest expense to average assets | 3.8735% | 898 |
| Loan and lease loss provision to assets | 0.1032% | 2,204 |
| Net operating income to assets | 0.8936% | 2,687 |
| Return on assets (ROA) | 0.8936% | 2,748 |
| Pretax return on assets | 0.8936% | 3,719 |
| Return on Equity (ROE) | 9.5725% | 2,213 |
| Retained earnings to average equity (ytd only) | -1.4812% | 5,797 |
| Net charge-offs to loans | 0.3472% | 1,031 |
| Credit loss provision to net charge-offs | 44.6429% | 2,260 |
| Earnings coverage of net charge-offs (x) | 4.3125% | 2,545 |
| Efficiency ratio | 79.5339% | 2,268 |
| Assets per employee ($millions) | 2.5481% | 6,340 |
| Cash dividends to net income (ytd only)* | 115.4734% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 1,681 |
| Loan loss allowance to noncurrent loans | 254.7595% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 3,170 |
| Noncurrent loans to loans | 0.7564% | 3,975 |
| Net loans and leases to total assets | 64.5661% | 2,798 |
| Net loans and leases to deposits | 71.8320% | 3,360 |
| Net loans and leases to core deposits | 74.7763% | 3,560 |
| Total domestic deposits to total assets | 89.8849% | 1,136 |
| Equity capital to assets | 9.2481% | 4,815 |
| Core capital (leverage) ratio | 9.2825% | 4,601 |
| Tier 1 risk-based capital ratio | 13.2145% | 4,885 |
| Total risk-based capital ratio | 14.4720% | 4,815 |
| Memoranda: | ||
| Average total assets | $193,828,000 | 3,123 |
| Average earning assets | $175,602,000 | 3,152 |
| Average equity | $18,093,500 | 3,413 |
| Average total loans | $129,020,000 | 2,895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,193 |
| Cost of funding earning assets | 0.7782% | 1,332 |
| Net interest margin | 4.0739% | 1,722 |
| Noninterest income to average assets | 1.1517% | 1,063 |
| Noninterest expense to average assets | 3.7733% | 1,178 |
| Loan and lease loss provision to assets | 0.3480% | 912 |
| Net operating income to assets | 0.7153% | 3,719 |
| Return on assets (ROA) | 0.7153% | 3,808 |
| Pretax return on assets | 0.7153% | 4,482 |
| Return on Equity (ROE) | 7.8883% | 3,086 |
| Retained earnings to average equity (ytd only) | 1.8583% | 4,912 |
| Net charge-offs to loans | 0.2917% | 2,231 |
| Credit loss provision to net charge-offs | 182.2917% | 1,262 |
| Earnings coverage of net charge-offs (x) | 5.5703% | 3,265 |
| Efficiency ratio | 78.0164% | 2,463 |
| Assets per employee ($millions) | 2.5191% | 6,391 |
| Cash dividends to net income (ytd only)* | 76.4420% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 1,602 |
| Loan loss allowance to noncurrent loans | 306.2425% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 3,564 |
| Noncurrent loans to loans | 0.6464% | 4,361 |
| Net loans and leases to total assets | 65.9793% | 2,694 |
| Net loans and leases to deposits | 73.7119% | 3,304 |
| Net loans and leases to core deposits | 76.7101% | 3,531 |
| Total domestic deposits to total assets | 89.5098% | 1,327 |
| Equity capital to assets | 9.4237% | 4,525 |
| Core capital (leverage) ratio | 9.0222% | 4,960 |
| Tier 1 risk-based capital ratio | 13.4668% | 4,673 |
| Total risk-based capital ratio | 14.7256% | 4,609 |
| Memoranda: | ||
| Average total assets | $201,174,400 | 3,020 |
| Average earning assets | $181,964,600 | 3,047 |
| Average equity | $18,242,200 | 3,381 |
| Average total loans | $131,643,000 | 2,834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 1,276 |
| Cost of funding earning assets | 0.8147% | 1,242 |
| Net interest margin | 4.0198% | 1,877 |
| Noninterest income to average assets | 1.1132% | 1,182 |
| Noninterest expense to average assets | 3.7130% | 1,226 |
| Loan and lease loss provision to assets | 0.1801% | 2,022 |
| Net operating income to assets | 0.8552% | 3,074 |
| Return on assets (ROA) | 0.8552% | 3,184 |
| Pretax return on assets | 0.8552% | 4,071 |
| Return on Equity (ROE) | 9.5193% | 2,388 |
| Retained earnings to average equity (ytd only) | 3.3237% | 4,311 |
| Net charge-offs to loans | 0.2952% | 2,058 |
| Credit loss provision to net charge-offs | 93.8567% | 2,535 |
| Earnings coverage of net charge-offs (x) | 5.3959% | 3,203 |
| Efficiency ratio | 78.1961% | 2,390 |
| Assets per employee ($millions) | 2.7126% | 6,266 |
| Cash dividends to net income (ytd only)* | 65.0845% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 2,577 |
| Loan loss allowance to noncurrent loans | 259.2982% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 3,503 |
| Noncurrent loans to loans | 0.6617% | 4,549 |
| Net loans and leases to total assets | 60.8046% | 3,561 |
| Net loans and leases to deposits | 74.0735% | 3,223 |
| Net loans and leases to core deposits | 76.5954% | 3,554 |
| Total domestic deposits to total assets | 82.0869% | 4,897 |
| Equity capital to assets | 8.7466% | 5,473 |
| Core capital (leverage) ratio | 8.8063% | 5,404 |
| Tier 1 risk-based capital ratio | 13.0932% | 5,060 |
| Total risk-based capital ratio | 14.3546% | 5,005 |
| Memoranda: | ||
| Average total assets | $203,604,500 | 3,014 |
| Average earning assets | $184,118,250 | 3,050 |
| Average equity | $18,292,250 | 3,406 |
| Average total loans | $132,336,000 | 2,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 1,064 |
| Cost of funding earning assets | 0.8348% | 1,235 |
| Net interest margin | 4.0785% | 1,602 |
| Noninterest income to average assets | 1.1286% | 1,192 |
| Noninterest expense to average assets | 3.7394% | 1,186 |
| Loan and lease loss provision to assets | 0.1982% | 1,914 |
| Net operating income to assets | 0.8799% | 2,909 |
| Return on assets (ROA) | 0.8799% | 3,054 |
| Pretax return on assets | 0.8799% | 3,984 |
| Return on Equity (ROE) | 9.7049% | 2,313 |
| Retained earnings to average equity (ytd only) | 3.1475% | 4,319 |
| Net charge-offs to loans | 0.2849% | 2,058 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 5.7263% | 2,837 |
| Efficiency ratio | 77.6224% | 2,523 |
| Assets per employee ($millions) | 2.6832% | 6,315 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 2,726 |
| Loan loss allowance to noncurrent loans | 319.3457% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 3,628 |
| Noncurrent loans to loans | 0.5367% | 4,918 |
| Net loans and leases to total assets | 63.1274% | 3,081 |
| Net loans and leases to deposits | 77.1890% | 2,699 |
| Net loans and leases to core deposits | 79.7858% | 3,048 |
| Total domestic deposits to total assets | 81.7829% | 5,123 |
| Equity capital to assets | 8.8116% | 5,432 |
| Core capital (leverage) ratio | 8.8634% | 5,205 |
| Tier 1 risk-based capital ratio | 12.9179% | 5,207 |
| Total risk-based capital ratio | 14.1789% | 5,130 |
| Memoranda: | ||
| Average total assets | $201,849,670 | 3,051 |
| Average earning assets | $182,568,670 | 3,086 |
| Average equity | $18,300,000 | 3,422 |
| Average total loans | $133,375,000 | 2,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 961 |
| Cost of funding earning assets | 0.8531% | 1,235 |
| Net interest margin | 4.1135% | 1,418 |
| Noninterest income to average assets | 1.0418% | 1,365 |
| Noninterest expense to average assets | 3.7368% | 1,190 |
| Loan and lease loss provision to assets | 0.1494% | 2,384 |
| Net operating income to assets | 0.8725% | 2,788 |
| Return on assets (ROA) | 0.8725% | 2,939 |
| Pretax return on assets | 0.8725% | 3,863 |
| Return on Equity (ROE) | 9.4880% | 2,275 |
| Retained earnings to average equity (ytd only) | -3.5092% | 6,233 |
| Net charge-offs to loans | -0.0981% | 6,435 |
| Credit loss provision to net charge-offs | -227.2727% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5266% | 2,528 |
| Assets per employee ($millions) | 2.6634% | 6,439 |
| Cash dividends to net income (ytd only)* | 136.9863% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 2,828 |
| Loan loss allowance to noncurrent loans | 805.1546% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 4,568 |
| Noncurrent loans to loans | 0.2165% | 5,871 |
| Net loans and leases to total assets | 65.2585% | 2,501 |
| Net loans and leases to deposits | 80.0471% | 2,065 |
| Net loans and leases to core deposits | 87.1749% | 1,992 |
| Total domestic deposits to total assets | 81.5251% | 5,352 |
| Equity capital to assets | 9.0677% | 5,409 |
| Core capital (leverage) ratio | 8.7435% | 5,266 |
| Tier 1 risk-based capital ratio | 12.3501% | 5,681 |
| Total risk-based capital ratio | 13.5240% | 5,692 |
| Memoranda: | ||
| Average total assets | $200,812,500 | 3,089 |
| Average earning assets | $181,452,000 | 3,127 |
| Average equity | $18,465,500 | 3,456 |
| Average total loans | $134,574,000 | 2,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 917 |
| Cost of funding earning assets | 0.9451% | 1,669 |
| Net interest margin | 4.3616% | 1,247 |
| Noninterest income to average assets | 1.1829% | 1,118 |
| Noninterest expense to average assets | 3.7322% | 1,355 |
| Loan and lease loss provision to assets | 0.3225% | 2,111 |
| Net operating income to assets | 1.0439% | 2,150 |
| Return on assets (ROA) | 1.0439% | 2,349 |
| Pretax return on assets | 1.0439% | 3,377 |
| Return on Equity (ROE) | 11.8325% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.2087% | 1,968 |
| Net charge-offs to loans | 0.4901% | 2,273 |
| Credit loss provision to net charge-offs | 94.2029% | 3,306 |
| Earnings coverage of net charge-offs (x) | 3.9913% | 3,522 |
| Efficiency ratio | 73.1997% | 3,208 |
| Assets per employee ($millions) | 2.6211% | 6,520 |
| Cash dividends to net income (ytd only)* | 47.5285% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 3,088 |
| Loan loss allowance to noncurrent loans | 633.1445% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 4,218 |
| Noncurrent loans to loans | 0.2620% | 5,826 |
| Net loans and leases to total assets | 66.5012% | 2,453 |
| Net loans and leases to deposits | 82.1090% | 1,981 |
| Net loans and leases to core deposits | 89.3392% | 1,920 |
| Total domestic deposits to total assets | 80.9913% | 5,413 |
| Equity capital to assets | 9.3251% | 5,118 |
| Core capital (leverage) ratio | 8.8512% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4157% | 5,533 |
| Total risk-based capital ratio | 13.6762% | 5,479 |
| Memoranda: | ||
| Average total assets | $201,542,400 | 3,018 |
| Average earning assets | $180,941,200 | 3,073 |
| Average equity | $17,781,600 | 3,502 |
| Average total loans | $140,788,800 | 2,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 927 |
| Cost of funding earning assets | 0.9595% | 1,789 |
| Net interest margin | 4.3881% | 1,231 |
| Noninterest income to average assets | 1.1629% | 1,129 |
| Noninterest expense to average assets | 3.6946% | 1,370 |
| Loan and lease loss provision to assets | 0.3298% | 1,989 |
| Net operating income to assets | 1.0752% | 2,190 |
| Return on assets (ROA) | 1.0752% | 2,392 |
| Pretax return on assets | 1.0752% | 3,445 |
| Return on Equity (ROE) | 12.3601% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.6729% | 2,296 |
| Net charge-offs to loans | 0.4703% | 2,219 |
| Credit loss provision to net charge-offs | 99.6016% | 3,016 |
| Earnings coverage of net charge-offs (x) | 4.2430% | 3,364 |
| Efficiency ratio | 72.4486% | 3,243 |
| Assets per employee ($millions) | 2.6473% | 6,552 |
| Cash dividends to net income (ytd only)* | 46.0125% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,312 |
| Loan loss allowance to noncurrent loans | 123.8017% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5523% | 3,262 |
| Noncurrent loans to loans | 1.3366% | 3,796 |
| Net loans and leases to total assets | 67.1432% | 2,433 |
| Net loans and leases to deposits | 82.6806% | 2,032 |
| Net loans and leases to core deposits | 90.0477% | 1,975 |
| Total domestic deposits to total assets | 81.2079% | 5,294 |
| Equity capital to assets | 9.1714% | 5,628 |
| Core capital (leverage) ratio | 8.6699% | 5,522 |
| Tier 1 risk-based capital ratio | 11.9882% | 5,939 |
| Total risk-based capital ratio | 13.2483% | 5,925 |
| Memoranda: | ||
| Average total assets | $202,127,000 | 3,051 |
| Average earning assets | $181,332,250 | 3,101 |
| Average equity | $17,583,000 | 3,558 |
| Average total loans | $142,309,000 | 2,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 880 |
| Cost of funding earning assets | 0.9760% | 1,900 |
| Net interest margin | 4.4166% | 1,158 |
| Noninterest income to average assets | 1.1213% | 1,138 |
| Noninterest expense to average assets | 3.7147% | 1,346 |
| Loan and lease loss provision to assets | 0.3458% | 1,899 |
| Net operating income to assets | 1.0176% | 2,389 |
| Return on assets (ROA) | 1.0176% | 2,614 |
| Pretax return on assets | 1.0176% | 3,645 |
| Return on Equity (ROE) | 11.9121% | 1,692 |
| Retained earnings to average equity (ytd only) | 3.2382% | 4,456 |
| Net charge-offs to loans | 0.2362% | 3,154 |
| Credit loss provision to net charge-offs | 205.8824% | 1,378 |
| Earnings coverage of net charge-offs (x) | 8.1176% | 2,360 |
| Efficiency ratio | 73.1518% | 3,218 |
| Assets per employee ($millions) | 2.6633% | 6,583 |
| Cash dividends to net income (ytd only)* | 72.8155% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 3,164 |
| Loan loss allowance to noncurrent loans | 322.1785% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 4,070 |
| Noncurrent loans to loans | 0.5321% | 5,457 |
| Net loans and leases to total assets | 69.5420% | 2,000 |
| Net loans and leases to deposits | 85.1369% | 1,706 |
| Net loans and leases to core deposits | 92.5944% | 1,719 |
| Total domestic deposits to total assets | 81.6825% | 5,240 |
| Equity capital to assets | 8.7242% | 5,998 |
| Core capital (leverage) ratio | 8.2784% | 5,948 |
| Tier 1 risk-based capital ratio | 11.2751% | 6,351 |
| Total risk-based capital ratio | 12.5364% | 6,325 |
| Memoranda: | ||
| Average total assets | $202,439,000 | 3,056 |
| Average earning assets | $181,360,000 | 3,107 |
| Average equity | $17,293,330 | 3,602 |
| Average total loans | $143,959,000 | 2,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 879 |
| Cost of funding earning assets | 0.9903% | 2,033 |
| Net interest margin | 4.4298% | 1,164 |
| Noninterest income to average assets | 1.0946% | 1,194 |
| Noninterest expense to average assets | 3.7322% | 1,328 |
| Loan and lease loss provision to assets | 0.3952% | 1,601 |
| Net operating income to assets | 0.9266% | 2,805 |
| Return on assets (ROA) | 0.9266% | 3,009 |
| Pretax return on assets | 0.9266% | 3,940 |
| Return on Equity (ROE) | 10.9640% | 2,034 |
| Retained earnings to average equity (ytd only) | -0.7247% | 6,116 |
| Net charge-offs to loans | 0.4157% | 2,059 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 4.4600% | 2,568 |
| Efficiency ratio | 73.8468% | 3,120 |
| Assets per employee ($millions) | 2.6725% | 6,670 |
| Cash dividends to net income (ytd only)* | 106.6098% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,659 |
| Loan loss allowance to noncurrent loans | 327.0042% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 4,212 |
| Noncurrent loans to loans | 0.4944% | 5,686 |
| Net loans and leases to total assets | 68.7593% | 1,978 |
| Net loans and leases to deposits | 83.5479% | 1,726 |
| Net loans and leases to core deposits | 90.4925% | 1,801 |
| Total domestic deposits to total assets | 82.2993% | 5,200 |
| Equity capital to assets | 8.3073% | 6,266 |
| Core capital (leverage) ratio | 8.1921% | 6,035 |
| Tier 1 risk-based capital ratio | 10.9492% | 6,561 |
| Total risk-based capital ratio | 12.2089% | 6,543 |
| Memoranda: | ||
| Average total assets | $202,452,000 | 3,080 |
| Average earning assets | $180,954,500 | 3,135 |
| Average equity | $17,110,500 | 3,629 |
| Average total loans | $144,330,000 | 2,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8656% | 561 |
| Cost of funding earning assets | 1.2112% | 1,957 |
| Net interest margin | 4.6544% | 826 |
| Noninterest income to average assets | 1.1273% | 1,036 |
| Noninterest expense to average assets | 3.9201% | 1,157 |
| Loan and lease loss provision to assets | 0.4820% | 2,190 |
| Net operating income to assets | 0.8732% | 2,722 |
| Return on assets (ROA) | 0.8732% | 2,860 |
| Pretax return on assets | 0.8732% | 3,698 |
| Return on Equity (ROE) | 10.3856% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.0137% | 1,498 |
| Net charge-offs to loans | 0.6157% | 2,607 |
| Credit loss provision to net charge-offs | 103.7736% | 3,325 |
| Earnings coverage of net charge-offs (x) | 2.9179% | 3,746 |
| Efficiency ratio | 74.3111% | 3,174 |
| Assets per employee ($millions) | 2.6200% | 6,700 |
| Cash dividends to net income (ytd only)* | 32.4675% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,705 |
| Loan loss allowance to noncurrent loans | 248.9059% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 4,216 |
| Noncurrent loans to loans | 0.6310% | 5,454 |
| Net loans and leases to total assets | 71.5972% | 1,714 |
| Net loans and leases to deposits | 87.7663% | 1,413 |
| Net loans and leases to core deposits | 95.3720% | 1,554 |
| Total domestic deposits to total assets | 81.5770% | 5,275 |
| Equity capital to assets | 8.6008% | 6,011 |
| Core capital (leverage) ratio | 8.3720% | 5,748 |
| Tier 1 risk-based capital ratio | 11.0183% | 6,448 |
| Total risk-based capital ratio | 12.2775% | 6,425 |
| Memoranda: | ||
| Average total assets | $194,000,200 | 3,130 |
| Average earning assets | $172,889,600 | 3,189 |
| Average equity | $16,311,000 | 3,676 |
| Average total loans | $146,343,000 | 2,693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9472% | 514 |
| Cost of funding earning assets | 1.2616% | 1,925 |
| Net interest margin | 4.6856% | 788 |
| Noninterest income to average assets | 1.1450% | 1,004 |
| Noninterest expense to average assets | 3.9545% | 1,065 |
| Loan and lease loss provision to assets | 0.4739% | 2,094 |
| Net operating income to assets | 0.8842% | 2,805 |
| Return on assets (ROA) | 0.8842% | 2,958 |
| Pretax return on assets | 0.8842% | 3,829 |
| Return on Equity (ROE) | 10.5788% | 2,006 |
| Retained earnings to average equity (ytd only) | 6.0261% | 2,544 |
| Net charge-offs to loans | 0.6652% | 2,252 |
| Credit loss provision to net charge-offs | 93.5792% | 3,642 |
| Earnings coverage of net charge-offs (x) | 2.6817% | 3,782 |
| Efficiency ratio | 74.4368% | 3,098 |
| Assets per employee ($millions) | 2.5041% | 6,885 |
| Cash dividends to net income (ytd only)* | 43.0362% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 4,022 |
| Loan loss allowance to noncurrent loans | 108.9374% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 3,499 |
| Noncurrent loans to loans | 1.3918% | 4,208 |
| Net loans and leases to total assets | 72.0394% | 1,693 |
| Net loans and leases to deposits | 88.2682% | 1,403 |
| Net loans and leases to core deposits | 93.7960% | 1,810 |
| Total domestic deposits to total assets | 81.6142% | 5,216 |
| Equity capital to assets | 8.4592% | 6,343 |
| Core capital (leverage) ratio | 8.2344% | 6,084 |
| Tier 1 risk-based capital ratio | 10.7377% | 6,691 |
| Total risk-based capital ratio | 11.9911% | 6,670 |
| Memoranda: | ||
| Average total assets | $192,720,000 | 3,166 |
| Average earning assets | $171,416,250 | 3,227 |
| Average equity | $16,107,250 | 3,720 |
| Average total loans | $146,718,750 | 2,712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9716% | 504 |
| Cost of funding earning assets | 1.3063% | 1,903 |
| Net interest margin | 4.6653% | 792 |
| Noninterest income to average assets | 1.2009% | 892 |
| Noninterest expense to average assets | 4.0488% | 976 |
| Loan and lease loss provision to assets | 0.4450% | 2,210 |
| Net operating income to assets | 0.8502% | 2,857 |
| Return on assets (ROA) | 0.7989% | 3,207 |
| Pretax return on assets | 0.7989% | 4,033 |
| Return on Equity (ROE) | 9.5985% | 2,269 |
| Retained earnings to average equity (ytd only) | 5.1955% | 2,875 |
| Net charge-offs to loans | 0.5876% | 2,349 |
| Credit loss provision to net charge-offs | 98.1524% | 3,213 |
| Earnings coverage of net charge-offs (x) | 2.8568% | 3,415 |
| Efficiency ratio | 75.7641% | 3,058 |
| Assets per employee ($millions) | 2.5746% | 6,831 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 4,038 |
| Loan loss allowance to noncurrent loans | 209.2784% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 4,467 |
| Noncurrent loans to loans | 0.7261% | 5,461 |
| Net loans and leases to total assets | 73.9632% | 1,423 |
| Net loans and leases to deposits | 90.6220% | 1,209 |
| Net loans and leases to core deposits | 97.7007% | 1,525 |
| Total domestic deposits to total assets | 81.6173% | 5,310 |
| Equity capital to assets | 8.3185% | 6,401 |
| Core capital (leverage) ratio | 8.2005% | 6,029 |
| Tier 1 risk-based capital ratio | 10.4635% | 6,802 |
| Total risk-based capital ratio | 11.7222% | 6,802 |
| Memoranda: | ||
| Average total assets | $191,019,670 | 3,211 |
| Average earning assets | $169,636,670 | 3,282 |
| Average equity | $15,898,330 | 3,750 |
| Average total loans | $147,390,670 | 2,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0053% | 466 |
| Cost of funding earning assets | 1.3377% | 1,962 |
| Net interest margin | 4.6676% | 753 |
| Noninterest income to average assets | 1.1299% | 1,024 |
| Noninterest expense to average assets | 4.1040% | 917 |
| Loan and lease loss provision to assets | 0.4240% | 2,070 |
| Net operating income to assets | 0.7441% | 3,305 |
| Return on assets (ROA) | 0.7441% | 3,372 |
| Pretax return on assets | 0.7441% | 4,126 |
| Return on Equity (ROE) | 8.9376% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.1181% | 3,107 |
| Net charge-offs to loans | 0.3496% | 2,664 |
| Credit loss provision to net charge-offs | 155.0388% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.2713% | 2,525 |
| Efficiency ratio | 77.8448% | 2,867 |
| Assets per employee ($millions) | 2.4902% | 7,001 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 3,811 |
| Loan loss allowance to noncurrent loans | 169.7504% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 3,915 |
| Noncurrent loans to loans | 0.9313% | 5,172 |
| Net loans and leases to total assets | 75.0649% | 1,167 |
| Net loans and leases to deposits | 92.0769% | 1,013 |
| Net loans and leases to core deposits | 99.4136% | 1,389 |
| Total domestic deposits to total assets | 81.5241% | 5,487 |
| Equity capital to assets | 8.2543% | 6,219 |
| Core capital (leverage) ratio | 8.2928% | 5,824 |
| Tier 1 risk-based capital ratio | 10.3401% | 6,890 |
| Total risk-based capital ratio | 11.5996% | 6,871 |
| Memoranda: | ||
| Average total assets | $188,693,000 | 3,258 |
| Average earning assets | $167,451,000 | 3,337 |
| Average equity | $15,709,000 | 3,778 |
| Average total loans | $147,606,500 | 2,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0495% | 775 |
| Cost of funding earning assets | 1.6466% | 1,843 |
| Net interest margin | 4.4030% | 1,462 |
| Noninterest income to average assets | 1.3773% | 767 |
| Noninterest expense to average assets | 4.1287% | 987 |
| Loan and lease loss provision to assets | 0.6664% | 2,480 |
| Net operating income to assets | 0.5054% | 4,073 |
| Return on assets (ROA) | 0.5054% | 4,230 |
| Pretax return on assets | 0.5054% | 4,604 |
| Return on Equity (ROE) | 6.2765% | 3,463 |
| Retained earnings to average equity (ytd only) | 3.3557% | 3,518 |
| Net charge-offs to loans | 0.6872% | 2,946 |
| Credit loss provision to net charge-offs | 123.3075% | 3,369 |
| Earnings coverage of net charge-offs (x) | 2.1683% | 4,092 |
| Efficiency ratio | 77.8917% | 2,722 |
| Assets per employee ($millions) | 2.3206% | 7,200 |
| Cash dividends to net income (ytd only)* | 46.5357% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,978 |
| Loan loss allowance to noncurrent loans | 158.4452% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 3,924 |
| Noncurrent loans to loans | 0.9499% | 5,150 |
| Net loans and leases to total assets | 79.0373% | 793 |
| Net loans and leases to deposits | 99.6827% | 598 |
| Net loans and leases to core deposits | 106.5524% | 1,151 |
| Total domestic deposits to total assets | 79.2889% | 6,013 |
| Equity capital to assets | 8.3983% | 6,002 |
| Core capital (leverage) ratio | 8.2098% | 5,809 |
| Tier 1 risk-based capital ratio | 10.1492% | 6,908 |
| Total risk-based capital ratio | 11.4082% | 6,877 |
| Memoranda: | ||
| Average total assets | $191,320,200 | 3,208 |
| Average earning assets | $170,476,600 | 3,269 |
| Average equity | $15,406,600 | 3,871 |
| Average total loans | $150,459,800 | 2,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0362% | 869 |
| Cost of funding earning assets | 1.7236% | 1,752 |
| Net interest margin | 4.3125% | 1,808 |
| Noninterest income to average assets | 1.4569% | 638 |
| Noninterest expense to average assets | 4.0600% | 975 |
| Loan and lease loss provision to assets | 0.5707% | 2,652 |
| Net operating income to assets | 0.6669% | 3,561 |
| Return on assets (ROA) | 0.5991% | 4,034 |
| Pretax return on assets | 0.5991% | 4,594 |
| Return on Equity (ROE) | 7.5169% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.9129% | 3,050 |
| Net charge-offs to loans | 0.7125% | 2,638 |
| Credit loss provision to net charge-offs | 102.3573% | 4,207 |
| Earnings coverage of net charge-offs (x) | 2.2196% | 4,067 |
| Efficiency ratio | 76.6388% | 2,824 |
| Assets per employee ($millions) | 2.3722% | 7,228 |
| Cash dividends to net income (ytd only)* | 34.6420% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,746 |
| Loan loss allowance to noncurrent loans | 602.6866% | 531 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 4,927 |
| Noncurrent loans to loans | 0.2226% | 6,733 |
| Net loans and leases to total assets | 78.2246% | 1,000 |
| Net loans and leases to deposits | 99.1869% | 705 |
| Net loans and leases to core deposits | 99.6958% | 1,878 |
| Total domestic deposits to total assets | 78.8658% | 6,054 |
| Equity capital to assets | 8.3229% | 6,479 |
| Core capital (leverage) ratio | 7.9721% | 6,386 |
| Tier 1 risk-based capital ratio | 9.9936% | 7,074 |
| Total risk-based capital ratio | 11.2503% | 7,056 |
| Memoranda: | ||
| Average total assets | $192,739,250 | 3,248 |
| Average earning assets | $171,649,750 | 3,292 |
| Average equity | $15,360,500 | 3,925 |
| Average total loans | $150,832,250 | 2,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8481% | 1,307 |
| Cost of funding earning assets | 1.8317% | 1,524 |
| Net interest margin | 4.0165% | 2,938 |
| Noninterest income to average assets | 1.1563% | 964 |
| Noninterest expense to average assets | 3.7434% | 1,465 |
| Loan and lease loss provision to assets | 0.5936% | 2,402 |
| Net operating income to assets | 0.4006% | 4,754 |
| Return on assets (ROA) | 0.4006% | 4,912 |
| Pretax return on assets | 0.4006% | 5,223 |
| Return on Equity (ROE) | 5.1000% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.1284% | 4,120 |
| Net charge-offs to loans | 0.8241% | 2,190 |
| Credit loss provision to net charge-offs | 92.4437% | 4,352 |
| Earnings coverage of net charge-offs (x) | 1.5482% | 4,329 |
| Efficiency ratio | 79.0150% | 2,569 |
| Assets per employee ($millions) | 2.4968% | 7,106 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,884 |
| Loan loss allowance to noncurrent loans | 332.7087% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 4,790 |
| Noncurrent loans to loans | 0.3924% | 6,455 |
| Net loans and leases to total assets | 74.8439% | 1,727 |
| Net loans and leases to deposits | 91.7725% | 1,568 |
| Net loans and leases to core deposits | 92.2093% | 2,957 |
| Total domestic deposits to total assets | 81.5537% | 5,176 |
| Equity capital to assets | 7.8079% | 6,918 |
| Core capital (leverage) ratio | 7.6900% | 6,622 |
| Tier 1 risk-based capital ratio | 9.6728% | 7,191 |
| Total risk-based capital ratio | 10.9241% | 7,187 |
| Memoranda: | ||
| Average total assets | $193,726,330 | 3,251 |
| Average earning assets | $172,739,000 | 3,297 |
| Average equity | $15,215,670 | 3,948 |
| Average total loans | $150,952,330 | 2,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0853% | 802 |
| Cost of funding earning assets | 1.8364% | 1,712 |
| Net interest margin | 4.2489% | 1,855 |
| Noninterest income to average assets | 1.0148% | 1,252 |
| Noninterest expense to average assets | 3.8069% | 1,321 |
| Loan and lease loss provision to assets | 0.6251% | 2,028 |
| Net operating income to assets | 0.3626% | 5,010 |
| Return on assets (ROA) | 0.3626% | 5,138 |
| Pretax return on assets | 0.3626% | 5,405 |
| Return on Equity (ROE) | 4.6023% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6023% | 3,381 |
| Net charge-offs to loans | 1.4376% | 1,202 |
| Credit loss provision to net charge-offs | 55.0459% | 4,399 |
| Earnings coverage of net charge-offs (x) | 0.8697% | 4,264 |
| Efficiency ratio | 79.4003% | 2,658 |
| Assets per employee ($millions) | 2.4733% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,680 |
| Loan loss allowance to noncurrent loans | 412.9412% | 767 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 4,885 |
| Noncurrent loans to loans | 0.2823% | 6,760 |
| Net loans and leases to total assets | 76.1543% | 1,507 |
| Net loans and leases to deposits | 93.4973% | 1,404 |
| Net loans and leases to core deposits | 93.9448% | 2,846 |
| Total domestic deposits to total assets | 81.4508% | 5,291 |
| Equity capital to assets | 7.7894% | 6,854 |
| Core capital (leverage) ratio | 7.8136% | 6,477 |
| Tier 1 risk-based capital ratio | 9.5639% | 7,269 |
| Total risk-based capital ratio | 10.6829% | 7,336 |
| Memoranda: | ||
| Average total assets | $191,965,500 | 3,339 |
| Average earning assets | $170,773,500 | 3,393 |
| Average equity | $15,123,000 | 3,994 |
| Average total loans | $151,638,000 | 2,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6305% | 530 |
| Cost of funding earning assets | 2.0842% | 2,546 |
| Net interest margin | 4.5462% | 1,084 |
| Noninterest income to average assets | 1.3674% | 785 |
| Noninterest expense to average assets | 4.1539% | 1,156 |
| Loan and lease loss provision to assets | 0.9192% | 2,441 |
| Net operating income to assets | 0.3341% | 4,394 |
| Return on assets (ROA) | 0.3341% | 4,485 |
| Pretax return on assets | 0.3533% | 4,634 |
| Return on Equity (ROE) | 4.2260% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.2260% | 2,260 |
| Net charge-offs to loans | 0.7471% | 2,957 |
| Credit loss provision to net charge-offs | 151.9824% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.1040% | 4,156 |
| Efficiency ratio | 76.5492% | 3,429 |
| Assets per employee ($millions) | 2.3865% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,699 |
| Loan loss allowance to noncurrent loans | 132.7140% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 4,441 |
| Noncurrent loans to loans | 0.9868% | 5,344 |
| Net loans and leases to total assets | 79.9419% | 1,002 |
| Net loans and leases to deposits | 99.3376% | 963 |
| Net loans and leases to core deposits | 129.6817% | 1,301 |
| Total domestic deposits to total assets | 80.4749% | 5,528 |
| Equity capital to assets | 7.9698% | 6,611 |
| Core capital (leverage) ratio | 7.8502% | 6,388 |
| Tier 1 risk-based capital ratio | 9.5088% | 7,220 |
| Total risk-based capital ratio | 10.7649% | 7,191 |
| Memoranda: | ||
| Average total assets | $187,654,000 | 3,318 |
| Average earning assets | $167,544,800 | 3,390 |
| Average equity | $14,836,600 | 4,090 |
| Average total loans | $151,929,000 | 2,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6319% | 580 |
| Cost of funding earning assets | 2.1499% | 2,647 |
| Net interest margin | 4.4820% | 1,237 |
| Noninterest income to average assets | 1.3352% | 863 |
| Noninterest expense to average assets | 4.0540% | 1,208 |
| Loan and lease loss provision to assets | 0.5869% | 3,039 |
| Net operating income to assets | 0.6836% | 3,268 |
| Return on assets (ROA) | 0.6836% | 3,319 |
| Pretax return on assets | 0.7028% | 3,849 |
| Return on Equity (ROE) | 8.6637% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.6637% | 928 |
| Net charge-offs to loans | 0.7320% | 2,531 |
| Credit loss provision to net charge-offs | 99.0396% | 5,165 |
| Earnings coverage of net charge-offs (x) | 2.1765% | 4,195 |
| Efficiency ratio | 75.8653% | 3,537 |
| Assets per employee ($millions) | 2.2730% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 6,688 |
| Loan loss allowance to noncurrent loans | 63.7273% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 3,434 |
| Noncurrent loans to loans | 1.4372% | 4,514 |
| Net loans and leases to total assets | 80.3943% | 1,109 |
| Net loans and leases to deposits | 99.1664% | 1,194 |
| Net loans and leases to core deposits | 121.5809% | 2,107 |
| Total domestic deposits to total assets | 81.0701% | 5,055 |
| Equity capital to assets | 8.1539% | 6,691 |
| Core capital (leverage) ratio | 8.0175% | 6,332 |
| Tier 1 risk-based capital ratio | 9.6690% | 7,264 |
| Total risk-based capital ratio | 10.5640% | 7,475 |
| Memoranda: | ||
| Average total assets | $187,433,250 | 3,346 |
| Average earning assets | $167,630,500 | 3,411 |
| Average equity | $14,789,250 | 4,133 |
| Average total loans | $151,731,250 | 2,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6349% | 619 |
| Cost of funding earning assets | 2.1805% | 2,880 |
| Net interest margin | 4.4544% | 1,274 |
| Noninterest income to average assets | 1.2597% | 961 |
| Noninterest expense to average assets | 4.0348% | 1,268 |
| Loan and lease loss provision to assets | 0.4545% | 3,259 |
| Net operating income to assets | 0.7336% | 3,120 |
| Return on assets (ROA) | 0.7336% | 3,223 |
| Pretax return on assets | 0.7528% | 3,823 |
| Return on Equity (ROE) | 9.4028% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.4028% | 837 |
| Net charge-offs to loans | 0.7099% | 2,281 |
| Credit loss provision to net charge-offs | 79.1434% | 5,223 |
| Earnings coverage of net charge-offs (x) | 2.1024% | 4,022 |
| Efficiency ratio | 76.9686% | 3,516 |
| Assets per employee ($millions) | 2.3069% | 7,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 7,008 |
| Loan loss allowance to noncurrent loans | 92.4501% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 4,311 |
| Noncurrent loans to loans | 0.9114% | 5,394 |
| Net loans and leases to total assets | 80.7496% | 1,179 |
| Net loans and leases to deposits | 100.7672% | 1,206 |
| Net loans and leases to core deposits | 126.3033% | 1,838 |
| Total domestic deposits to total assets | 80.1348% | 5,425 |
| Equity capital to assets | 7.9222% | 6,842 |
| Core capital (leverage) ratio | 7.8404% | 6,562 |
| Tier 1 risk-based capital ratio | 9.4314% | 7,452 |
| Total risk-based capital ratio | 10.2576% | 7,707 |
| Memoranda: | ||
| Average total assets | $187,024,670 | 3,375 |
| Average earning assets | $167,205,670 | 3,441 |
| Average equity | $14,591,330 | 4,183 |
| Average total loans | $151,284,000 | 2,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7061% | 577 |
| Cost of funding earning assets | 2.1879% | 3,227 |
| Net interest margin | 4.5182% | 1,090 |
| Noninterest income to average assets | 1.1508% | 1,116 |
| Noninterest expense to average assets | 3.9063% | 1,303 |
| Loan and lease loss provision to assets | 0.3227% | 3,391 |
| Net operating income to assets | 0.9314% | 2,579 |
| Return on assets (ROA) | 0.9314% | 2,709 |
| Pretax return on assets | 0.9508% | 3,532 |
| Return on Equity (ROE) | 12.0328% | 1,649 |
| Retained earnings to average equity (ytd only) | 12.0328% | 778 |
| Net charge-offs to loans | 0.1521% | 3,743 |
| Credit loss provision to net charge-offs | 263.1579% | 1,793 |
| Earnings coverage of net charge-offs (x) | 10.3860% | 1,958 |
| Efficiency ratio | 75.4153% | 3,581 |
| Assets per employee ($millions) | 2.3250% | 7,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,273 |
| Loan loss allowance to noncurrent loans | 104.4475% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2617% | 4,153 |
| Noncurrent loans to loans | 0.9460% | 5,108 |
| Net loans and leases to total assets | 79.9753% | 1,391 |
| Net loans and leases to deposits | 98.1812% | 1,636 |
| Net loans and leases to core deposits | 122.8174% | 2,185 |
| Total domestic deposits to total assets | 81.4568% | 4,765 |
| Equity capital to assets | 7.7941% | 7,082 |
| Core capital (leverage) ratio | 7.8102% | 6,735 |
| Tier 1 risk-based capital ratio | 9.2441% | 7,632 |
| Total risk-based capital ratio | 10.2008% | 7,859 |
| Memoranda: | ||
| Average total assets | $185,954,500 | 3,411 |
| Average earning assets | $165,818,500 | 3,476 |
| Average equity | $14,394,000 | 4,246 |
| Average total loans | $149,902,000 | 3,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3954% | 497 |
| Cost of funding earning assets | 3.1572% | 1,329 |
| Net interest margin | 4.2381% | 2,165 |
| Noninterest income to average assets | 1.0580% | 1,401 |
| Noninterest expense to average assets | 4.1218% | 1,244 |
| Loan and lease loss provision to assets | 0.2453% | 4,461 |
| Net operating income to assets | 0.4129% | 5,103 |
| Return on assets (ROA) | 0.4129% | 4,916 |
| Pretax return on assets | 0.4326% | 5,175 |
| Return on Equity (ROE) | 5.4810% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.4810% | 1,772 |
| Net charge-offs to loans | 0.2640% | 3,642 |
| Credit loss provision to net charge-offs | 120.0535% | 4,474 |
| Earnings coverage of net charge-offs (x) | 3.3182% | 4,424 |
| Efficiency ratio | 85.8769% | 1,863 |
| Assets per employee ($millions) | 2.2119% | 7,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,374 |
| Loan loss allowance to noncurrent loans | 102.4709% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 3,829 |
| Noncurrent loans to loans | 0.9317% | 4,749 |
| Net loans and leases to total assets | 79.6788% | 1,729 |
| Net loans and leases to deposits | 98.1205% | 2,106 |
| Net loans and leases to core deposits | 122.7418% | 2,424 |
| Total domestic deposits to total assets | 81.2051% | 4,559 |
| Equity capital to assets | 7.6857% | 7,219 |
| Core capital (leverage) ratio | 7.7773% | 6,836 |
| Tier 1 risk-based capital ratio | 9.1700% | 7,644 |
| Total risk-based capital ratio | 10.0938% | 7,920 |
| Memoranda: | ||
| Average total assets | $183,075,800 | 3,371 |
| Average earning assets | $161,628,000 | 3,445 |
| Average equity | $13,793,000 | 4,385 |
| Average total loans | $141,671,200 | 3,066 |