Home > First State Bank of DeQueen > Performance and Condition Ratios
First State Bank of DeQueen, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2725% | 949 |
| Cost of funding earning assets | 3.0968% | 412 |
| Net interest margin | 3.1757% | 2,772 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 2.1655% | 3,227 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.1651% | 1,582 |
| Return on assets (ROA) | 1.1659% | 1,587 |
| Pretax return on assets | 1.1659% | 2,068 |
| Return on Equity (ROE) | 19.7700% | 419 |
| Retained earnings to average equity (ytd only) | 8.7267% | 877 |
| Net charge-offs to loans | 0.4676% | 315 |
| Credit loss provision to net charge-offs | 47.6577% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.3964% | 2,663 |
| Efficiency ratio | 62.3660% | 2,900 |
| Assets per employee ($millions) | 6.6478% | 2,407 |
| Cash dividends to net income (ytd only)* | 55.8567% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,157 |
| Loan loss allowance to noncurrent loans | 104.1166% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 839 |
| Noncurrent loans to loans | 1.3911% | 712 |
| Net loans and leases to total assets | 60.1200% | 2,929 |
| Net loans and leases to deposits | 68.3607% | 3,058 |
| Net loans and leases to core deposits | 89.9991% | 2,110 |
| Total domestic deposits to total assets | 87.9500% | 1,534 |
| Equity capital to assets | 5.2315% | 4,323 |
| Core capital (leverage) ratio | 8.2316% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $373,454,400 | 2,130 |
| Average earning assets | $349,717,400 | 2,109 |
| Average equity | $22,024,400 | 2,833 |
| Average total loans | $237,375,400 | 2,143 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1265% | 1,097 |
| Cost of funding earning assets | 2.9533% | 548 |
| Net interest margin | 3.1732% | 2,739 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 2.2075% | 3,064 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.1589% | 1,607 |
| Return on assets (ROA) | 1.1589% | 1,610 |
| Pretax return on assets | 1.1589% | 2,094 |
| Return on Equity (ROE) | 19.0400% | 488 |
| Retained earnings to average equity (ytd only) | 8.0576% | 1,375 |
| Net charge-offs to loans | 0.5907% | 223 |
| Credit loss provision to net charge-offs | 29.1506% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.3436% | 2,529 |
| Efficiency ratio | 63.4869% | 2,776 |
| Assets per employee ($millions) | 6.6936% | 2,355 |
| Cash dividends to net income (ytd only)* | 57.6850% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,187 |
| Loan loss allowance to noncurrent loans | 72.9764% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 527 |
| Noncurrent loans to loans | 1.9853% | 396 |
| Net loans and leases to total assets | 58.1300% | 3,084 |
| Net loans and leases to deposits | 67.0759% | 3,179 |
| Net loans and leases to core deposits | 89.9486% | 2,148 |
| Total domestic deposits to total assets | 86.6600% | 1,707 |
| Equity capital to assets | 6.1358% | 4,315 |
| Core capital (leverage) ratio | 8.7436% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $363,777,750 | 2,161 |
| Average earning assets | $340,045,750 | 2,153 |
| Average equity | $22,140,000 | 2,817 |
| Average total loans | $233,856,500 | 2,158 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1585% | 957 |
| Cost of funding earning assets | 2.8486% | 594 |
| Net interest margin | 3.3100% | 2,387 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.2927% | 2,823 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.2134% | 1,440 |
| Return on assets (ROA) | 1.2134% | 1,445 |
| Pretax return on assets | 1.2134% | 1,903 |
| Return on Equity (ROE) | 20.0000% | 453 |
| Retained earnings to average equity (ytd only) | 8.5124% | 1,225 |
| Net charge-offs to loans | 0.8819% | 153 |
| Credit loss provision to net charge-offs | 18.1195% | 1,951 |
| Earnings coverage of net charge-offs (x) | 2.2547% | 2,414 |
| Efficiency ratio | 63.4719% | 2,837 |
| Assets per employee ($millions) | 5.8191% | 2,950 |
| Cash dividends to net income (ytd only)* | 57.4398% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,226 |
| Loan loss allowance to noncurrent loans | 140.5394% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 1,027 |
| Noncurrent loans to loans | 1.0304% | 889 |
| Net loans and leases to total assets | 61.8900% | 2,774 |
| Net loans and leases to deposits | 69.7489% | 3,014 |
| Net loans and leases to core deposits | 88.8900% | 2,215 |
| Total domestic deposits to total assets | 88.7400% | 1,084 |
| Equity capital to assets | 5.7682% | 4,258 |
| Core capital (leverage) ratio | 9.0873% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $348,933,333 | 2,216 |
| Average earning assets | $325,563,667 | 2,212 |
| Average equity | $21,169,000 | 2,864 |
| Average total loans | $231,534,333 | 2,164 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0932% | 947 |
| Cost of funding earning assets | 2.7356% | 677 |
| Net interest margin | 3.3576% | 2,213 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.3358% | 2,694 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.2254% | 1,380 |
| Return on assets (ROA) | 1.2254% | 1,386 |
| Pretax return on assets | 1.2254% | 1,832 |
| Return on Equity (ROE) | 19.6600% | 464 |
| Retained earnings to average equity (ytd only) | 8.0904% | 1,527 |
| Net charge-offs to loans | 0.3785% | 238 |
| Credit loss provision to net charge-offs | 33.0275% | 1,475 |
| Earnings coverage of net charge-offs (x) | 5.0688% | 1,871 |
| Efficiency ratio | 64.0534% | 2,807 |
| Assets per employee ($millions) | 5.6156% | 3,155 |
| Cash dividends to net income (ytd only)* | 58.8577% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 605 |
| Loan loss allowance to noncurrent loans | 158.8854% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 811 |
| Noncurrent loans to loans | 1.0988% | 771 |
| Net loans and leases to total assets | 65.9000% | 2,244 |
| Net loans and leases to deposits | 74.2701% | 2,579 |
| Net loans and leases to core deposits | 96.1206% | 1,637 |
| Total domestic deposits to total assets | 88.7400% | 1,190 |
| Equity capital to assets | 5.9890% | 4,204 |
| Core capital (leverage) ratio | 9.4421% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $337,188,000 | 2,269 |
| Average earning assets | $313,794,000 | 2,262 |
| Average equity | $21,012,500 | 2,882 |
| Average total loans | $230,354,500 | 2,167 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6678% | 965 |
| Cost of funding earning assets | 1.9859% | 932 |
| Net interest margin | 3.6819% | 1,795 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.5021% | 2,292 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.3408% | 1,347 |
| Return on assets (ROA) | 1.3408% | 1,318 |
| Pretax return on assets | 1.3408% | 1,762 |
| Return on Equity (ROE) | 21.8900% | 464 |
| Retained earnings to average equity (ytd only) | 8.7424% | 1,319 |
| Net charge-offs to loans | 0.4592% | 230 |
| Credit loss provision to net charge-offs | 108.4130% | 1,764 |
| Earnings coverage of net charge-offs (x) | 5.0765% | 2,546 |
| Efficiency ratio | 59.4749% | 3,141 |
| Assets per employee ($millions) | 5.2614% | 3,424 |
| Cash dividends to net income (ytd only)* | 60.0575% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 482 |
| Loan loss allowance to noncurrent loans | 192.4795% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 788 |
| Noncurrent loans to loans | 0.9658% | 765 |
| Net loans and leases to total assets | 68.3500% | 1,991 |
| Net loans and leases to deposits | 78.5987% | 2,220 |
| Net loans and leases to core deposits | 103.8939% | 1,221 |
| Total domestic deposits to total assets | 86.9600% | 1,695 |
| Equity capital to assets | 6.4907% | 4,117 |
| Core capital (leverage) ratio | 9.8183% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $311,458,400 | 2,365 |
| Average earning assets | $287,922,800 | 2,366 |
| Average equity | $19,079,400 | 2,936 |
| Average total loans | $227,804,800 | 2,114 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5763% | 930 |
| Cost of funding earning assets | 1.8253% | 970 |
| Net interest margin | 3.7510% | 1,687 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.5512% | 2,081 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.3863% | 1,352 |
| Return on assets (ROA) | 1.3863% | 1,336 |
| Pretax return on assets | 1.3863% | 1,806 |
| Return on Equity (ROE) | 22.9900% | 491 |
| Retained earnings to average equity (ytd only) | 9.8869% | 1,435 |
| Net charge-offs to loans | 0.5147% | 168 |
| Credit loss provision to net charge-offs | 84.2045% | 1,733 |
| Earnings coverage of net charge-offs (x) | 4.4784% | 2,396 |
| Efficiency ratio | 59.9084% | 2,975 |
| Assets per employee ($millions) | 5.0182% | 3,593 |
| Cash dividends to net income (ytd only)* | 57.0000% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 623 |
| Loan loss allowance to noncurrent loans | 171.2816% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 751 |
| Noncurrent loans to loans | 1.0241% | 787 |
| Net loans and leases to total assets | 71.9400% | 1,580 |
| Net loans and leases to deposits | 81.9925% | 1,899 |
| Net loans and leases to core deposits | 111.0436% | 837 |
| Total domestic deposits to total assets | 87.7400% | 1,656 |
| Equity capital to assets | 5.5742% | 4,115 |
| Core capital (leverage) ratio | 10.0622% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $307,771,500 | 2,397 |
| Average earning assets | $284,004,250 | 2,389 |
| Average equity | $18,556,000 | 2,962 |
| Average total loans | $227,962,750 | 2,111 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4570% | 888 |
| Cost of funding earning assets | 1.6670% | 936 |
| Net interest margin | 3.7900% | 1,649 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.5592% | 2,037 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.5385% | 1,037 |
| Return on assets (ROA) | 1.5385% | 1,030 |
| Pretax return on assets | 1.5385% | 1,523 |
| Return on Equity (ROE) | 24.8800% | 391 |
| Retained earnings to average equity (ytd only) | 12.0568% | 976 |
| Net charge-offs to loans | 0.4816% | 172 |
| Credit loss provision to net charge-offs | 85.2459% | 1,528 |
| Earnings coverage of net charge-offs (x) | 5.1494% | 2,188 |
| Efficiency ratio | 58.1247% | 3,177 |
| Assets per employee ($millions) | 4.7763% | 3,769 |
| Cash dividends to net income (ytd only)* | 51.5473% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 672 |
| Loan loss allowance to noncurrent loans | 626.5842% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,112 |
| Noncurrent loans to loans | 0.2804% | 2,141 |
| Net loans and leases to total assets | 74.1600% | 1,269 |
| Net loans and leases to deposits | 82.9586% | 1,766 |
| Net loans and leases to core deposits | 112.2388% | 743 |
| Total domestic deposits to total assets | 89.4000% | 1,110 |
| Equity capital to assets | 6.3936% | 4,037 |
| Core capital (leverage) ratio | 10.1181% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $306,652,667 | 2,401 |
| Average earning assets | $282,905,000 | 2,406 |
| Average equity | $18,960,333 | 2,955 |
| Average total loans | $228,013,667 | 2,108 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 857 |
| Cost of funding earning assets | 1.5461% | 773 |
| Net interest margin | 3.7249% | 1,838 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 2.6086% | 1,926 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 1.6904% | 836 |
| Return on assets (ROA) | 1.6904% | 830 |
| Pretax return on assets | 1.6904% | 1,286 |
| Return on Equity (ROE) | 27.8100% | 299 |
| Retained earnings to average equity (ytd only) | 14.7843% | 833 |
| Net charge-offs to loans | 0.5454% | 150 |
| Credit loss provision to net charge-offs | 75.7282% | 1,226 |
| Earnings coverage of net charge-offs (x) | 4.9579% | 1,834 |
| Efficiency ratio | 56.6620% | 3,335 |
| Assets per employee ($millions) | 4.8952% | 3,732 |
| Cash dividends to net income (ytd only)* | 46.8413% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 675 |
| Loan loss allowance to noncurrent loans | 583.3333% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 1,916 |
| Noncurrent loans to loans | 0.3065% | 2,050 |
| Net loans and leases to total assets | 73.4800% | 1,270 |
| Net loans and leases to deposits | 81.5639% | 1,695 |
| Net loans and leases to core deposits | 109.7500% | 710 |
| Total domestic deposits to total assets | 90.0900% | 1,128 |
| Equity capital to assets | 6.3677% | 4,071 |
| Core capital (leverage) ratio | 9.9732% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $307,139,000 | 2,425 |
| Average earning assets | $283,816,500 | 2,435 |
| Average equity | $18,668,500 | 3,007 |
| Average total loans | $226,643,000 | 2,132 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 352 |
| Cost of funding earning assets | 0.8357% | 346 |
| Net interest margin | 4.0861% | 678 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.5637% | 1,929 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | 1.2847% | 1,487 |
| Return on assets (ROA) | 1.2847% | 1,443 |
| Pretax return on assets | 1.2847% | 2,141 |
| Return on Equity (ROE) | 18.5400% | 627 |
| Retained earnings to average equity (ytd only) | 7.2887% | 2,109 |
| Net charge-offs to loans | 0.7300% | 96 |
| Credit loss provision to net charge-offs | 84.7946% | 1,657 |
| Earnings coverage of net charge-offs (x) | 3.3047% | 2,468 |
| Efficiency ratio | 59.7341% | 3,094 |
| Assets per employee ($millions) | 4.7088% | 3,885 |
| Cash dividends to net income (ytd only)* | 60.6938% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 674 |
| Loan loss allowance to noncurrent loans | 373.0627% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 1,460 |
| Noncurrent loans to loans | 0.4792% | 1,501 |
| Net loans and leases to total assets | 71.4900% | 1,473 |
| Net loans and leases to deposits | 78.8192% | 1,868 |
| Net loans and leases to core deposits | 106.9776% | 716 |
| Total domestic deposits to total assets | 90.7000% | 1,059 |
| Equity capital to assets | 5.7955% | 4,156 |
| Core capital (leverage) ratio | 9.4449% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $311,894,600 | 2,397 |
| Average earning assets | $288,737,400 | 2,396 |
| Average equity | $21,608,800 | 2,803 |
| Average total loans | $223,416,000 | 2,088 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 281 |
| Cost of funding earning assets | 0.7249% | 233 |
| Net interest margin | 4.0785% | 536 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.5652% | 1,808 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.4124% | 1,051 |
| Return on assets (ROA) | 1.4124% | 1,025 |
| Pretax return on assets | 1.4124% | 1,679 |
| Return on Equity (ROE) | 19.5900% | 472 |
| Retained earnings to average equity (ytd only) | 8.7847% | 1,732 |
| Net charge-offs to loans | 0.6950% | 81 |
| Credit loss provision to net charge-offs | 59.8622% | 1,493 |
| Earnings coverage of net charge-offs (x) | 3.4470% | 2,211 |
| Efficiency ratio | 60.0120% | 3,111 |
| Assets per employee ($millions) | 4.8726% | 3,788 |
| Cash dividends to net income (ytd only)* | 55.1557% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 921 |
| Loan loss allowance to noncurrent loans | 173.5481% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 748 |
| Noncurrent loans to loans | 0.9631% | 809 |
| Net loans and leases to total assets | 71.0500% | 1,390 |
| Net loans and leases to deposits | 77.9953% | 1,709 |
| Net loans and leases to core deposits | 106.5155% | 575 |
| Total domestic deposits to total assets | 91.0900% | 1,207 |
| Equity capital to assets | 5.3296% | 4,182 |
| Core capital (leverage) ratio | 9.4856% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $312,173,750 | 2,407 |
| Average earning assets | $289,120,250 | 2,408 |
| Average equity | $22,508,250 | 2,773 |
| Average total loans | $222,716,500 | 2,097 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 246 |
| Cost of funding earning assets | 0.6388% | 225 |
| Net interest margin | 4.0875% | 409 |
| Noninterest income to average assets | 0.4719% | 2,342 |
| Noninterest expense to average assets | 2.5823% | 1,692 |
| Loan and lease loss provision to assets | 0.1841% | 476 |
| Net operating income to assets | 1.4955% | 718 |
| Return on assets (ROA) | 1.4955% | 696 |
| Pretax return on assets | 1.4955% | 1,179 |
| Return on Equity (ROE) | 19.0532% | 383 |
| Retained earnings to average equity (ytd only) | 9.0796% | 1,262 |
| Net charge-offs to loans | 0.3127% | 223 |
| Credit loss provision to net charge-offs | 82.8986% | 1,373 |
| Earnings coverage of net charge-offs (x) | 7.5623% | 1,852 |
| Efficiency ratio | 60.5891% | 3,227 |
| Assets per employee ($millions) | 4.7152% | 3,921 |
| Cash dividends to net income (ytd only)* | 52.3461% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 714 |
| Loan loss allowance to noncurrent loans | 193.1113% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 750 |
| Noncurrent loans to loans | 0.9672% | 863 |
| Net loans and leases to total assets | 72.5654% | 1,048 |
| Net loans and leases to deposits | 81.0071% | 1,313 |
| Net loans and leases to core deposits | 107.2167% | 412 |
| Total domestic deposits to total assets | 89.5791% | 1,906 |
| Equity capital to assets | 6.7144% | 3,934 |
| Core capital (leverage) ratio | 9.5914% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,658,333 | 2,429 |
| Average earning assets | $288,051,667 | 2,443 |
| Average equity | $24,384,333 | 2,716 |
| Average total loans | $220,675,333 | 2,105 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 303 |
| Cost of funding earning assets | 0.6301% | 219 |
| Net interest margin | 3.8892% | 515 |
| Noninterest income to average assets | 0.4771% | 2,261 |
| Noninterest expense to average assets | 2.5618% | 1,716 |
| Loan and lease loss provision to assets | 0.1049% | 800 |
| Net operating income to assets | 1.4184% | 762 |
| Return on assets (ROA) | 1.4184% | 758 |
| Pretax return on assets | 1.4184% | 1,206 |
| Return on Equity (ROE) | 16.8753% | 436 |
| Retained earnings to average equity (ytd only) | 7.6235% | 1,694 |
| Net charge-offs to loans | 0.0239% | 1,082 |
| Credit loss provision to net charge-offs | 630.7692% | 453 |
| Earnings coverage of net charge-offs (x) | 91.6154% | 703 |
| Efficiency ratio | 62.7113% | 3,178 |
| Assets per employee ($millions) | 4.8707% | 3,870 |
| Cash dividends to net income (ytd only)* | 54.8242% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 626 |
| Loan loss allowance to noncurrent loans | 240.4079% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 931 |
| Noncurrent loans to loans | 0.8282% | 1,134 |
| Net loans and leases to total assets | 68.8679% | 1,127 |
| Net loans and leases to deposits | 77.6436% | 1,314 |
| Net loans and leases to core deposits | 104.1186% | 393 |
| Total domestic deposits to total assets | 88.6974% | 2,211 |
| Equity capital to assets | 7.6824% | 3,810 |
| Core capital (leverage) ratio | 9.4568% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,743,000 | 2,432 |
| Average earning assets | $290,133,500 | 2,442 |
| Average equity | $26,287,000 | 2,701 |
| Average total loans | $217,694,000 | 2,111 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 431 |
| Cost of funding earning assets | 0.8763% | 137 |
| Net interest margin | 3.8100% | 984 |
| Noninterest income to average assets | 0.9344% | 1,129 |
| Noninterest expense to average assets | 2.5258% | 2,107 |
| Loan and lease loss provision to assets | 0.3487% | 214 |
| Net operating income to assets | 1.5993% | 806 |
| Return on assets (ROA) | 1.5993% | 842 |
| Pretax return on assets | 1.5993% | 1,421 |
| Return on Equity (ROE) | 17.5161% | 514 |
| Retained earnings to average equity (ytd only) | 6.3517% | 2,199 |
| Net charge-offs to loans | 0.1254% | 727 |
| Credit loss provision to net charge-offs | 398.1752% | 911 |
| Earnings coverage of net charge-offs (x) | 22.2628% | 1,802 |
| Efficiency ratio | 56.4566% | 3,647 |
| Assets per employee ($millions) | 4.9025% | 3,820 |
| Cash dividends to net income (ytd only)* | 63.7380% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 621 |
| Loan loss allowance to noncurrent loans | 404.1431% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 1,664 |
| Noncurrent loans to loans | 0.4909% | 1,900 |
| Net loans and leases to total assets | 67.5854% | 1,316 |
| Net loans and leases to deposits | 77.5010% | 1,446 |
| Net loans and leases to core deposits | 101.5195% | 472 |
| Total domestic deposits to total assets | 87.2058% | 2,431 |
| Equity capital to assets | 9.1235% | 3,487 |
| Core capital (leverage) ratio | 9.2949% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,131,200 | 2,378 |
| Average earning assets | $290,889,400 | 2,372 |
| Average equity | $28,590,800 | 2,615 |
| Average total loans | $218,430,000 | 2,112 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 517 |
| Cost of funding earning assets | 0.9263% | 119 |
| Net interest margin | 3.7338% | 1,266 |
| Noninterest income to average assets | 1.0953% | 927 |
| Noninterest expense to average assets | 2.5211% | 2,060 |
| Loan and lease loss provision to assets | 0.3077% | 253 |
| Net operating income to assets | 1.7351% | 763 |
| Return on assets (ROA) | 1.7351% | 797 |
| Pretax return on assets | 1.7351% | 1,317 |
| Return on Equity (ROE) | 18.9998% | 517 |
| Retained earnings to average equity (ytd only) | 10.4912% | 1,175 |
| Net charge-offs to loans | 0.0213% | 1,625 |
| Credit loss provision to net charge-offs | 2,062.8571% | 319 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 717 |
| Efficiency ratio | 55.2413% | 3,629 |
| Assets per employee ($millions) | 4.9839% | 3,717 |
| Cash dividends to net income (ytd only)* | 44.7827% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 782 |
| Loan loss allowance to noncurrent loans | 280.4582% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,435 |
| Noncurrent loans to loans | 0.6758% | 1,626 |
| Net loans and leases to total assets | 68.6074% | 1,246 |
| Net loans and leases to deposits | 79.0292% | 1,380 |
| Net loans and leases to core deposits | 109.3754% | 337 |
| Total domestic deposits to total assets | 86.8127% | 2,423 |
| Equity capital to assets | 9.3670% | 3,494 |
| Core capital (leverage) ratio | 9.4142% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,974,000 | 2,399 |
| Average earning assets | $290,741,750 | 2,401 |
| Average equity | $28,582,000 | 2,646 |
| Average total loans | $218,950,500 | 2,140 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 616 |
| Cost of funding earning assets | 0.9829% | 116 |
| Net interest margin | 3.6261% | 1,531 |
| Noninterest income to average assets | 1.2027% | 801 |
| Noninterest expense to average assets | 2.4373% | 2,349 |
| Loan and lease loss provision to assets | 0.1862% | 611 |
| Net operating income to assets | 1.9518% | 532 |
| Return on assets (ROA) | 1.9518% | 551 |
| Pretax return on assets | 1.9518% | 912 |
| Return on Equity (ROE) | 21.5575% | 347 |
| Retained earnings to average equity (ytd only) | 12.9656% | 722 |
| Net charge-offs to loans | 0.0146% | 1,656 |
| Credit loss provision to net charge-offs | 1,818.7500% | 312 |
| Earnings coverage of net charge-offs (x) | 208.8750% | 486 |
| Efficiency ratio | 53.2718% | 3,891 |
| Assets per employee ($millions) | 4.9797% | 3,675 |
| Cash dividends to net income (ytd only)* | 39.8558% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 1,077 |
| Loan loss allowance to noncurrent loans | 206.7255% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 1,294 |
| Noncurrent loans to loans | 0.8186% | 1,504 |
| Net loans and leases to total assets | 68.3567% | 1,405 |
| Net loans and leases to deposits | 78.3310% | 1,583 |
| Net loans and leases to core deposits | 110.4803% | 347 |
| Total domestic deposits to total assets | 87.2665% | 2,186 |
| Equity capital to assets | 9.1530% | 3,653 |
| Core capital (leverage) ratio | 9.1909% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,637,000 | 2,397 |
| Average earning assets | $290,777,333 | 2,397 |
| Average equity | $28,305,667 | 2,650 |
| Average total loans | $218,741,000 | 2,151 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 642 |
| Cost of funding earning assets | 1.0424% | 109 |
| Net interest margin | 3.5730% | 1,654 |
| Noninterest income to average assets | 1.2842% | 768 |
| Noninterest expense to average assets | 2.4108% | 2,465 |
| Loan and lease loss provision to assets | 0.2481% | 431 |
| Net operating income to assets | 1.9599% | 602 |
| Return on assets (ROA) | 1.9599% | 650 |
| Pretax return on assets | 1.9599% | 1,017 |
| Return on Equity (ROE) | 21.7702% | 414 |
| Retained earnings to average equity (ytd only) | 13.0449% | 903 |
| Net charge-offs to loans | -0.0110% | 3,705 |
| Credit loss provision to net charge-offs | -3,200.0000% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1958% | 3,974 |
| Assets per employee ($millions) | 5.0652% | 3,577 |
| Cash dividends to net income (ytd only)* | 40.0791% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,110 |
| Loan loss allowance to noncurrent loans | 210.0057% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 1,309 |
| Noncurrent loans to loans | 0.7967% | 1,661 |
| Net loans and leases to total assets | 68.7315% | 1,439 |
| Net loans and leases to deposits | 78.5787% | 1,660 |
| Net loans and leases to core deposits | 110.3236% | 397 |
| Total domestic deposits to total assets | 87.4683% | 2,109 |
| Equity capital to assets | 8.8456% | 3,838 |
| Core capital (leverage) ratio | 9.2854% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,604,000 | 2,396 |
| Average earning assets | $288,942,000 | 2,390 |
| Average equity | $27,873,000 | 2,677 |
| Average total loans | $217,309,000 | 2,163 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 250 |
| Cost of funding earning assets | 1.4899% | 87 |
| Net interest margin | 3.8387% | 1,396 |
| Noninterest income to average assets | 0.6404% | 2,065 |
| Noninterest expense to average assets | 2.5356% | 2,734 |
| Loan and lease loss provision to assets | 0.4915% | 516 |
| Net operating income to assets | 1.1862% | 1,593 |
| Return on assets (ROA) | 1.1886% | 1,700 |
| Pretax return on assets | 1.1886% | 2,369 |
| Return on Equity (ROE) | 12.7711% | 1,099 |
| Retained earnings to average equity (ytd only) | 3.6118% | 3,034 |
| Net charge-offs to loans | 0.4425% | 377 |
| Credit loss provision to net charge-offs | 147.7017% | 2,436 |
| Earnings coverage of net charge-offs (x) | 5.0419% | 2,912 |
| Efficiency ratio | 60.1807% | 3,429 |
| Assets per employee ($millions) | 4.8439% | 3,559 |
| Cash dividends to net income (ytd only)* | 71.7186% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 1,250 |
| Loan loss allowance to noncurrent loans | 218.0050% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 1,535 |
| Noncurrent loans to loans | 0.7411% | 1,851 |
| Net loans and leases to total assets | 69.3473% | 1,641 |
| Net loans and leases to deposits | 79.7563% | 1,891 |
| Net loans and leases to core deposits | 116.7337% | 356 |
| Total domestic deposits to total assets | 86.9490% | 1,965 |
| Equity capital to assets | 9.1646% | 3,926 |
| Core capital (leverage) ratio | 9.0702% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,212,200 | 2,324 |
| Average earning assets | $273,843,600 | 2,327 |
| Average equity | $27,382,200 | 2,650 |
| Average total loans | $221,225,800 | 2,098 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 250 |
| Cost of funding earning assets | 1.5755% | 83 |
| Net interest margin | 3.8867% | 1,380 |
| Noninterest income to average assets | 0.6509% | 1,982 |
| Noninterest expense to average assets | 2.5813% | 2,591 |
| Loan and lease loss provision to assets | 0.3733% | 987 |
| Net operating income to assets | 1.3096% | 1,334 |
| Return on assets (ROA) | 1.3128% | 1,416 |
| Pretax return on assets | 1.3128% | 1,997 |
| Return on Equity (ROE) | 14.0497% | 874 |
| Retained earnings to average equity (ytd only) | 5.1205% | 2,510 |
| Net charge-offs to loans | 0.1496% | 980 |
| Credit loss provision to net charge-offs | 326.4000% | 1,681 |
| Earnings coverage of net charge-offs (x) | 14.7160% | 2,137 |
| Efficiency ratio | 60.5342% | 3,299 |
| Assets per employee ($millions) | 4.8594% | 3,421 |
| Cash dividends to net income (ytd only)* | 63.5540% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,175 |
| Loan loss allowance to noncurrent loans | 237.9494% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 1,455 |
| Noncurrent loans to loans | 0.6612% | 2,135 |
| Net loans and leases to total assets | 75.4349% | 1,171 |
| Net loans and leases to deposits | 87.3911% | 1,551 |
| Net loans and leases to core deposits | 129.9961% | 253 |
| Total domestic deposits to total assets | 86.3188% | 1,933 |
| Equity capital to assets | 9.4612% | 3,713 |
| Core capital (leverage) ratio | 9.2504% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,474,250 | 2,317 |
| Average earning assets | $270,970,750 | 2,324 |
| Average equity | $27,236,000 | 2,644 |
| Average total loans | $222,757,750 | 2,086 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 342 |
| Cost of funding earning assets | 1.6759% | 85 |
| Net interest margin | 3.8145% | 1,799 |
| Noninterest income to average assets | 0.5231% | 2,474 |
| Noninterest expense to average assets | 2.4994% | 2,961 |
| Loan and lease loss provision to assets | 0.2498% | 1,683 |
| Net operating income to assets | 1.3236% | 1,299 |
| Return on assets (ROA) | 1.3270% | 1,386 |
| Pretax return on assets | 1.3270% | 1,942 |
| Return on Equity (ROE) | 14.2622% | 840 |
| Retained earnings to average equity (ytd only) | 5.2436% | 2,366 |
| Net charge-offs to loans | 0.0895% | 1,357 |
| Credit loss provision to net charge-offs | 365.6566% | 1,479 |
| Earnings coverage of net charge-offs (x) | 23.0303% | 1,613 |
| Efficiency ratio | 61.3690% | 3,220 |
| Assets per employee ($millions) | 4.7410% | 3,485 |
| Cash dividends to net income (ytd only)* | 63.2345% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,550 |
| Loan loss allowance to noncurrent loans | 141.2349% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 1,373 |
| Noncurrent loans to loans | 0.9993% | 1,554 |
| Net loans and leases to total assets | 75.3021% | 1,230 |
| Net loans and leases to deposits | 86.9347% | 1,665 |
| Net loans and leases to core deposits | 127.1753% | 298 |
| Total domestic deposits to total assets | 86.6192% | 1,768 |
| Equity capital to assets | 9.1310% | 3,977 |
| Core capital (leverage) ratio | 9.0689% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,825,333 | 2,312 |
| Average earning assets | $269,710,000 | 2,305 |
| Average equity | $26,966,333 | 2,647 |
| Average total loans | $221,284,000 | 2,069 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 312 |
| Cost of funding earning assets | 1.7072% | 126 |
| Net interest margin | 3.8787% | 1,737 |
| Noninterest income to average assets | 0.4296% | 2,910 |
| Noninterest expense to average assets | 2.4959% | 3,280 |
| Loan and lease loss provision to assets | 0.1145% | 2,255 |
| Net operating income to assets | 1.4317% | 920 |
| Return on assets (ROA) | 1.4317% | 991 |
| Pretax return on assets | 1.4317% | 1,478 |
| Return on Equity (ROE) | 15.2351% | 522 |
| Retained earnings to average equity (ytd only) | 6.0910% | 1,836 |
| Net charge-offs to loans | 0.1518% | 851 |
| Credit loss provision to net charge-offs | 98.7805% | 1,860 |
| Earnings coverage of net charge-offs (x) | 13.3415% | 1,657 |
| Efficiency ratio | 61.7483% | 3,523 |
| Assets per employee ($millions) | 4.6906% | 3,002 |
| Cash dividends to net income (ytd only)* | 60.0197% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 1,927 |
| Loan loss allowance to noncurrent loans | 115.5650% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,415 |
| Noncurrent loans to loans | 1.1656% | 1,417 |
| Net loans and leases to total assets | 75.7296% | 1,349 |
| Net loans and leases to deposits | 87.7097% | 1,779 |
| Net loans and leases to core deposits | 130.2406% | 264 |
| Total domestic deposits to total assets | 86.3411% | 1,857 |
| Equity capital to assets | 9.1814% | 4,476 |
| Core capital (leverage) ratio | 9.4585% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,024,500 | 2,304 |
| Average earning assets | $263,591,000 | 2,300 |
| Average equity | $26,596,500 | 2,665 |
| Average total loans | $216,047,000 | 2,073 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 453 |
| Cost of funding earning assets | 1.6978% | 193 |
| Net interest margin | 3.9295% | 2,074 |
| Noninterest income to average assets | 0.4878% | 2,816 |
| Noninterest expense to average assets | 2.6929% | 2,900 |
| Loan and lease loss provision to assets | 0.1839% | 1,123 |
| Net operating income to assets | 1.2613% | 1,829 |
| Return on assets (ROA) | 1.2897% | 1,808 |
| Pretax return on assets | 1.2897% | 2,538 |
| Return on Equity (ROE) | 13.5232% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.7350% | 3,117 |
| Net charge-offs to loans | 0.3406% | 600 |
| Credit loss provision to net charge-offs | 72.5758% | 2,878 |
| Earnings coverage of net charge-offs (x) | 5.7045% | 3,053 |
| Efficiency ratio | 65.0775% | 2,919 |
| Assets per employee ($millions) | 4.6650% | 2,998 |
| Cash dividends to net income (ytd only)* | 72.3810% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,393 |
| Loan loss allowance to noncurrent loans | 202.2865% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,135 |
| Noncurrent loans to loans | 0.7120% | 2,096 |
| Net loans and leases to total assets | 74.7895% | 1,616 |
| Net loans and leases to deposits | 85.2968% | 2,178 |
| Net loans and leases to core deposits | 127.9476% | 307 |
| Total domestic deposits to total assets | 87.6814% | 1,283 |
| Equity capital to assets | 9.6253% | 4,245 |
| Core capital (leverage) ratio | 9.7809% | 3,750 |
| Tier 1 risk-based capital ratio | 12.5892% | 4,016 |
| Total risk-based capital ratio | 13.8415% | 3,899 |
| Memoranda: | ||
| Average total assets | $260,534,600 | 2,393 |
| Average earning assets | $242,016,000 | 2,394 |
| Average equity | $24,846,200 | 2,726 |
| Average total loans | $193,761,400 | 2,209 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5716% | 523 |
| Cost of funding earning assets | 1.6737% | 223 |
| Net interest margin | 3.8979% | 2,263 |
| Noninterest income to average assets | 0.4968% | 2,748 |
| Noninterest expense to average assets | 2.6717% | 2,939 |
| Loan and lease loss provision to assets | 0.1407% | 1,374 |
| Net operating income to assets | 1.3039% | 1,843 |
| Return on assets (ROA) | 1.3423% | 1,740 |
| Pretax return on assets | 1.3423% | 2,520 |
| Return on Equity (ROE) | 14.1107% | 962 |
| Retained earnings to average equity (ytd only) | 4.4089% | 3,189 |
| Net charge-offs to loans | 0.1698% | 1,003 |
| Credit loss provision to net charge-offs | 111.9835% | 2,067 |
| Earnings coverage of net charge-offs (x) | 11.4999% | 2,437 |
| Efficiency ratio | 64.9054% | 2,882 |
| Assets per employee ($millions) | 4.4974% | 3,212 |
| Cash dividends to net income (ytd only)* | 68.7550% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 979 |
| Loan loss allowance to noncurrent loans | 168.0418% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 1,876 |
| Noncurrent loans to loans | 0.9585% | 1,677 |
| Net loans and leases to total assets | 74.0841% | 1,804 |
| Net loans and leases to deposits | 85.0893% | 2,310 |
| Net loans and leases to core deposits | 125.8555% | 367 |
| Total domestic deposits to total assets | 87.0664% | 1,481 |
| Equity capital to assets | 9.9681% | 4,049 |
| Core capital (leverage) ratio | 10.1845% | 3,440 |
| Tier 1 risk-based capital ratio | 13.1718% | 3,751 |
| Total risk-based capital ratio | 14.4263% | 3,660 |
| Memoranda: | ||
| Average total assets | $256,859,750 | 2,437 |
| Average earning assets | $238,513,250 | 2,434 |
| Average equity | $24,434,750 | 2,774 |
| Average total loans | $189,988,250 | 2,254 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 543 |
| Cost of funding earning assets | 1.6401% | 236 |
| Net interest margin | 3.8832% | 2,291 |
| Noninterest income to average assets | 0.4960% | 2,699 |
| Noninterest expense to average assets | 2.6501% | 3,061 |
| Loan and lease loss provision to assets | 0.1220% | 1,533 |
| Net operating income to assets | 1.3290% | 1,661 |
| Return on assets (ROA) | 1.3872% | 1,524 |
| Pretax return on assets | 1.3872% | 2,240 |
| Return on Equity (ROE) | 14.8298% | 797 |
| Retained earnings to average equity (ytd only) | 4.7216% | 2,906 |
| Net charge-offs to loans | 0.2549% | 659 |
| Credit loss provision to net charge-offs | 65.1261% | 2,363 |
| Earnings coverage of net charge-offs (x) | 7.7437% | 2,467 |
| Efficiency ratio | 64.6189% | 3,034 |
| Assets per employee ($millions) | 4.3612% | 3,344 |
| Cash dividends to net income (ytd only)* | 68.1612% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,014 |
| Loan loss allowance to noncurrent loans | 178.1985% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 2,027 |
| Noncurrent loans to loans | 0.9017% | 1,813 |
| Net loans and leases to total assets | 72.6827% | 2,120 |
| Net loans and leases to deposits | 83.1403% | 2,589 |
| Net loans and leases to core deposits | 117.9165% | 606 |
| Total domestic deposits to total assets | 87.4217% | 1,375 |
| Equity capital to assets | 9.9154% | 4,047 |
| Core capital (leverage) ratio | 10.2365% | 3,348 |
| Tier 1 risk-based capital ratio | 13.4559% | 3,605 |
| Total risk-based capital ratio | 14.7100% | 3,502 |
| Memoranda: | ||
| Average total assets | $254,030,670 | 2,464 |
| Average earning assets | $235,834,330 | 2,457 |
| Average equity | $23,763,000 | 2,821 |
| Average total loans | $186,718,330 | 2,287 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 547 |
| Cost of funding earning assets | 1.6242% | 207 |
| Net interest margin | 3.8494% | 2,347 |
| Noninterest income to average assets | 0.4908% | 2,613 |
| Noninterest expense to average assets | 2.6362% | 3,104 |
| Loan and lease loss provision to assets | 0.0032% | 3,377 |
| Net operating income to assets | 1.4244% | 1,311 |
| Return on assets (ROA) | 1.4244% | 1,340 |
| Pretax return on assets | 1.4244% | 2,003 |
| Return on Equity (ROE) | 15.7202% | 629 |
| Retained earnings to average equity (ytd only) | 5.2577% | 2,798 |
| Net charge-offs to loans | 0.0872% | 1,230 |
| Credit loss provision to net charge-offs | 5.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 22.3250% | 1,506 |
| Efficiency ratio | 64.8702% | 3,102 |
| Assets per employee ($millions) | 4.4768% | 3,226 |
| Cash dividends to net income (ytd only)* | 66.5544% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 881 |
| Loan loss allowance to noncurrent loans | 184.3768% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,067 |
| Noncurrent loans to loans | 0.9158% | 1,828 |
| Net loans and leases to total assets | 71.8989% | 2,182 |
| Net loans and leases to deposits | 81.8418% | 2,622 |
| Net loans and leases to core deposits | 115.4722% | 666 |
| Total domestic deposits to total assets | 87.8511% | 1,415 |
| Equity capital to assets | 9.7898% | 4,016 |
| Core capital (leverage) ratio | 10.3608% | 3,209 |
| Tier 1 risk-based capital ratio | 13.7224% | 3,484 |
| Total risk-based capital ratio | 14.9773% | 3,393 |
| Memoranda: | ||
| Average total assets | $250,209,500 | 2,514 |
| Average earning assets | $232,243,000 | 2,507 |
| Average equity | $22,671,500 | 2,916 |
| Average total loans | $183,429,000 | 2,330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 460 |
| Cost of funding earning assets | 1.3640% | 163 |
| Net interest margin | 4.0654% | 1,784 |
| Noninterest income to average assets | 0.5123% | 2,763 |
| Noninterest expense to average assets | 2.6678% | 3,131 |
| Loan and lease loss provision to assets | 0.2130% | 863 |
| Net operating income to assets | 1.3883% | 1,471 |
| Return on assets (ROA) | 1.3883% | 1,467 |
| Pretax return on assets | 1.3883% | 2,178 |
| Return on Equity (ROE) | 16.3430% | 561 |
| Retained earnings to average equity (ytd only) | 5.3467% | 2,566 |
| Net charge-offs to loans | 0.2395% | 814 |
| Credit loss provision to net charge-offs | 121.8527% | 2,139 |
| Earnings coverage of net charge-offs (x) | 9.1615% | 2,834 |
| Efficiency ratio | 62.4915% | 3,438 |
| Assets per employee ($millions) | 4.5540% | 3,080 |
| Cash dividends to net income (ytd only)* | 67.2847% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 722 |
| Loan loss allowance to noncurrent loans | 142.0490% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,473 |
| Noncurrent loans to loans | 1.2456% | 1,278 |
| Net loans and leases to total assets | 71.9961% | 2,257 |
| Net loans and leases to deposits | 81.0446% | 2,847 |
| Net loans and leases to core deposits | 114.4236% | 762 |
| Total domestic deposits to total assets | 88.8352% | 932 |
| Equity capital to assets | 8.5208% | 4,920 |
| Core capital (leverage) ratio | 9.2617% | 4,386 |
| Tier 1 risk-based capital ratio | 12.4470% | 4,174 |
| Total risk-based capital ratio | 13.7029% | 4,039 |
| Memoranda: | ||
| Average total assets | $240,874,400 | 2,540 |
| Average earning assets | $222,583,600 | 2,542 |
| Average equity | $20,461,400 | 3,052 |
| Average total loans | $175,754,600 | 2,368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4025% | 442 |
| Cost of funding earning assets | 1.2952% | 162 |
| Net interest margin | 4.1072% | 1,603 |
| Noninterest income to average assets | 0.4669% | 3,062 |
| Noninterest expense to average assets | 2.6870% | 3,007 |
| Loan and lease loss provision to assets | 0.1018% | 1,963 |
| Net operating income to assets | 1.4734% | 1,262 |
| Return on assets (ROA) | 1.4734% | 1,263 |
| Pretax return on assets | 1.4734% | 1,988 |
| Return on Equity (ROE) | 17.3593% | 504 |
| Retained earnings to average equity (ytd only) | 7.1981% | 2,029 |
| Net charge-offs to loans | 0.0191% | 2,765 |
| Credit loss provision to net charge-offs | 732.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 113.2484% | 682 |
| Efficiency ratio | 63.0418% | 3,328 |
| Assets per employee ($millions) | 4.4545% | 3,189 |
| Cash dividends to net income (ytd only)* | 58.5349% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 650 |
| Loan loss allowance to noncurrent loans | 123.6702% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,279 |
| Noncurrent loans to loans | 1.5009% | 1,087 |
| Net loans and leases to total assets | 71.5467% | 2,401 |
| Net loans and leases to deposits | 80.7161% | 2,959 |
| Net loans and leases to core deposits | 113.9673% | 820 |
| Total domestic deposits to total assets | 88.6400% | 984 |
| Equity capital to assets | 8.4105% | 4,977 |
| Core capital (leverage) ratio | 9.4166% | 4,260 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,049 |
| Total risk-based capital ratio | 14.0125% | 3,946 |
| Memoranda: | ||
| Average total assets | $239,614,000 | 2,558 |
| Average earning assets | $221,424,750 | 2,565 |
| Average equity | $20,338,250 | 3,087 |
| Average total loans | $174,633,500 | 2,394 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 398 |
| Cost of funding earning assets | 1.2223% | 164 |
| Net interest margin | 4.1662% | 1,363 |
| Noninterest income to average assets | 0.4722% | 3,022 |
| Noninterest expense to average assets | 2.7154% | 2,959 |
| Loan and lease loss provision to assets | 0.0944% | 2,035 |
| Net operating income to assets | 1.5111% | 1,131 |
| Return on assets (ROA) | 1.5111% | 1,130 |
| Pretax return on assets | 1.5111% | 1,772 |
| Return on Equity (ROE) | 17.7481% | 445 |
| Retained earnings to average equity (ytd only) | 7.5292% | 1,832 |
| Net charge-offs to loans | 0.0252% | 2,352 |
| Credit loss provision to net charge-offs | 513.6364% | 695 |
| Earnings coverage of net charge-offs (x) | 87.3182% | 769 |
| Efficiency ratio | 62.8433% | 3,510 |
| Assets per employee ($millions) | 4.3906% | 3,291 |
| Cash dividends to net income (ytd only)* | 57.5774% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 713 |
| Loan loss allowance to noncurrent loans | 122.2393% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 1,347 |
| Noncurrent loans to loans | 1.4972% | 1,122 |
| Net loans and leases to total assets | 72.1269% | 2,253 |
| Net loans and leases to deposits | 81.6060% | 2,807 |
| Net loans and leases to core deposits | 118.5449% | 608 |
| Total domestic deposits to total assets | 88.3843% | 1,188 |
| Equity capital to assets | 8.5617% | 4,899 |
| Core capital (leverage) ratio | 9.2462% | 4,418 |
| Tier 1 risk-based capital ratio | 12.6298% | 4,108 |
| Total risk-based capital ratio | 13.8868% | 4,003 |
| Memoranda: | ||
| Average total assets | $239,303,670 | 2,567 |
| Average earning assets | $221,066,670 | 2,579 |
| Average equity | $20,374,000 | 3,095 |
| Average total loans | $174,392,330 | 2,403 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 355 |
| Cost of funding earning assets | 1.1506% | 176 |
| Net interest margin | 4.2206% | 1,128 |
| Noninterest income to average assets | 0.4808% | 2,932 |
| Noninterest expense to average assets | 2.7037% | 3,032 |
| Loan and lease loss provision to assets | 0.1248% | 1,508 |
| Net operating income to assets | 1.5524% | 951 |
| Return on assets (ROA) | 1.5524% | 957 |
| Pretax return on assets | 1.5524% | 1,521 |
| Return on Equity (ROE) | 18.2838% | 381 |
| Retained earnings to average equity (ytd only) | 7.5644% | 2,008 |
| Net charge-offs to loans | 0.0275% | 1,947 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 685 |
| Efficiency ratio | 61.7167% | 3,838 |
| Assets per employee ($millions) | 4.6206% | 2,978 |
| Cash dividends to net income (ytd only)* | 58.6281% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 764 |
| Loan loss allowance to noncurrent loans | 197.3766% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 2,223 |
| Noncurrent loans to loans | 0.9189% | 1,983 |
| Net loans and leases to total assets | 69.8584% | 2,509 |
| Net loans and leases to deposits | 79.0473% | 2,911 |
| Net loans and leases to core deposits | 113.7062% | 816 |
| Total domestic deposits to total assets | 88.3754% | 1,422 |
| Equity capital to assets | 8.2191% | 5,168 |
| Core capital (leverage) ratio | 9.1603% | 4,492 |
| Tier 1 risk-based capital ratio | 12.4923% | 4,242 |
| Total risk-based capital ratio | 13.7491% | 4,146 |
| Memoranda: | ||
| Average total assets | $240,409,500 | 2,581 |
| Average earning assets | $222,147,000 | 2,593 |
| Average equity | $20,411,500 | 3,117 |
| Average total loans | $174,491,000 | 2,419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 373 |
| Cost of funding earning assets | 0.9727% | 254 |
| Net interest margin | 4.3177% | 927 |
| Noninterest income to average assets | 0.4573% | 3,264 |
| Noninterest expense to average assets | 2.7001% | 3,127 |
| Loan and lease loss provision to assets | 0.1508% | 1,495 |
| Net operating income to assets | 1.5984% | 654 |
| Return on assets (ROA) | 1.5984% | 669 |
| Pretax return on assets | 1.5984% | 1,291 |
| Return on Equity (ROE) | 18.1231% | 295 |
| Retained earnings to average equity (ytd only) | 5.8593% | 1,622 |
| Net charge-offs to loans | 0.2612% | 998 |
| Credit loss provision to net charge-offs | 78.5877% | 2,962 |
| Earnings coverage of net charge-offs (x) | 9.1139% | 2,824 |
| Efficiency ratio | 60.6859% | 4,159 |
| Assets per employee ($millions) | 4.4514% | 3,267 |
| Cash dividends to net income (ytd only)* | 67.6696% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 822 |
| Loan loss allowance to noncurrent loans | 246.1844% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 2,775 |
| Noncurrent loans to loans | 0.7199% | 2,405 |
| Net loans and leases to total assets | 72.7545% | 2,125 |
| Net loans and leases to deposits | 83.5431% | 2,543 |
| Net loans and leases to core deposits | 122.8931% | 499 |
| Total domestic deposits to total assets | 87.0862% | 1,951 |
| Equity capital to assets | 8.7719% | 4,912 |
| Core capital (leverage) ratio | 9.1810% | 4,420 |
| Tier 1 risk-based capital ratio | 12.3715% | 4,281 |
| Total risk-based capital ratio | 13.6280% | 4,191 |
| Memoranda: | ||
| Average total assets | $228,735,600 | 2,643 |
| Average earning assets | $211,478,400 | 2,647 |
| Average equity | $20,173,200 | 3,124 |
| Average total loans | $168,076,200 | 2,441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 378 |
| Cost of funding earning assets | 0.9327% | 289 |
| Net interest margin | 4.3225% | 872 |
| Noninterest income to average assets | 0.4606% | 3,268 |
| Noninterest expense to average assets | 2.7067% | 3,045 |
| Loan and lease loss provision to assets | 0.1404% | 1,511 |
| Net operating income to assets | 1.6104% | 692 |
| Return on assets (ROA) | 1.6104% | 714 |
| Pretax return on assets | 1.6104% | 1,381 |
| Return on Equity (ROE) | 18.2339% | 313 |
| Retained earnings to average equity (ytd only) | 6.5525% | 1,937 |
| Net charge-offs to loans | 0.3389% | 621 |
| Credit loss provision to net charge-offs | 56.5012% | 2,847 |
| Earnings coverage of net charge-offs (x) | 7.0449% | 2,917 |
| Efficiency ratio | 60.7223% | 4,085 |
| Assets per employee ($millions) | 4.4477% | 3,244 |
| Cash dividends to net income (ytd only)* | 64.0640% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 959 |
| Loan loss allowance to noncurrent loans | 205.2560% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 2,574 |
| Noncurrent loans to loans | 0.8486% | 2,244 |
| Net loans and leases to total assets | 73.3486% | 2,035 |
| Net loans and leases to deposits | 87.0797% | 2,174 |
| Net loans and leases to core deposits | 130.5526% | 333 |
| Total domestic deposits to total assets | 84.2316% | 3,029 |
| Equity capital to assets | 9.0466% | 4,876 |
| Core capital (leverage) ratio | 9.4133% | 4,276 |
| Tier 1 risk-based capital ratio | 12.4520% | 4,348 |
| Total risk-based capital ratio | 13.7081% | 4,255 |
| Memoranda: | ||
| Average total assets | $226,938,250 | 2,685 |
| Average earning assets | $209,841,750 | 2,684 |
| Average equity | $20,042,750 | 3,161 |
| Average total loans | $166,409,500 | 2,478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 377 |
| Cost of funding earning assets | 0.8997% | 303 |
| Net interest margin | 4.3239% | 810 |
| Noninterest income to average assets | 0.4630% | 3,266 |
| Noninterest expense to average assets | 2.7034% | 3,077 |
| Loan and lease loss provision to assets | 0.1419% | 1,441 |
| Net operating income to assets | 1.6160% | 670 |
| Return on assets (ROA) | 1.6160% | 698 |
| Pretax return on assets | 1.6160% | 1,295 |
| Return on Equity (ROE) | 18.4513% | 295 |
| Retained earnings to average equity (ytd only) | 6.6028% | 1,794 |
| Net charge-offs to loans | 0.3968% | 516 |
| Credit loss provision to net charge-offs | 49.0798% | 2,575 |
| Earnings coverage of net charge-offs (x) | 6.0798% | 2,748 |
| Efficiency ratio | 60.5964% | 4,224 |
| Assets per employee ($millions) | 4.6133% | 2,923 |
| Cash dividends to net income (ytd only)* | 64.2151% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 888 |
| Loan loss allowance to noncurrent loans | 205.0847% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,610 |
| Noncurrent loans to loans | 0.8771% | 2,229 |
| Net loans and leases to total assets | 71.5939% | 2,264 |
| Net loans and leases to deposits | 82.9701% | 2,603 |
| Net loans and leases to core deposits | 125.4907% | 406 |
| Total domestic deposits to total assets | 86.2888% | 2,247 |
| Equity capital to assets | 8.9225% | 4,966 |
| Core capital (leverage) ratio | 9.4717% | 4,159 |
| Tier 1 risk-based capital ratio | 12.5225% | 4,293 |
| Total risk-based capital ratio | 13.7789% | 4,187 |
| Memoranda: | ||
| Average total assets | $225,491,330 | 2,719 |
| Average earning assets | $208,517,670 | 2,717 |
| Average equity | $19,749,330 | 3,185 |
| Average total loans | $164,330,330 | 2,503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 347 |
| Cost of funding earning assets | 0.8811% | 315 |
| Net interest margin | 4.3726% | 669 |
| Noninterest income to average assets | 0.4594% | 3,258 |
| Noninterest expense to average assets | 2.7043% | 3,124 |
| Loan and lease loss provision to assets | 0.1310% | 1,462 |
| Net operating income to assets | 1.6671% | 587 |
| Return on assets (ROA) | 1.6671% | 601 |
| Pretax return on assets | 1.6671% | 1,074 |
| Return on Equity (ROE) | 19.2205% | 270 |
| Retained earnings to average equity (ytd only) | 7.1172% | 1,806 |
| Net charge-offs to loans | 0.0074% | 2,710 |
| Credit loss provision to net charge-offs | 2,433.3333% | 144 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 181 |
| Efficiency ratio | 60.0638% | 4,448 |
| Assets per employee ($millions) | 4.5245% | 3,127 |
| Cash dividends to net income (ytd only)* | 62.9709% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 661 |
| Loan loss allowance to noncurrent loans | 241.7346% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,811 |
| Noncurrent loans to loans | 0.8297% | 2,379 |
| Net loans and leases to total assets | 70.4263% | 2,306 |
| Net loans and leases to deposits | 81.0882% | 2,615 |
| Net loans and leases to core deposits | 121.1335% | 434 |
| Total domestic deposits to total assets | 86.8516% | 2,286 |
| Equity capital to assets | 8.6856% | 5,081 |
| Core capital (leverage) ratio | 9.3300% | 4,304 |
| Tier 1 risk-based capital ratio | 12.8693% | 4,159 |
| Total risk-based capital ratio | 14.1290% | 4,055 |
| Memoranda: | ||
| Average total assets | $222,904,500 | 2,766 |
| Average earning assets | $206,101,500 | 2,763 |
| Average equity | $19,333,500 | 3,250 |
| Average total loans | $162,412,000 | 2,545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1841% | 425 |
| Cost of funding earning assets | 0.7915% | 524 |
| Net interest margin | 4.3927% | 784 |
| Noninterest income to average assets | 0.4294% | 3,684 |
| Noninterest expense to average assets | 2.7811% | 3,084 |
| Loan and lease loss provision to assets | 0.0881% | 2,600 |
| Net operating income to assets | 1.6241% | 644 |
| Return on assets (ROA) | 1.6264% | 667 |
| Pretax return on assets | 1.6264% | 1,201 |
| Return on Equity (ROE) | 18.1243% | 319 |
| Retained earnings to average equity (ytd only) | 5.9051% | 1,761 |
| Net charge-offs to loans | 0.0386% | 3,257 |
| Credit loss provision to net charge-offs | 314.7541% | 945 |
| Earnings coverage of net charge-offs (x) | 61.1803% | 876 |
| Efficiency ratio | 61.8950% | 4,275 |
| Assets per employee ($millions) | 4.4813% | 3,141 |
| Cash dividends to net income (ytd only)* | 67.4189% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 701 |
| Loan loss allowance to noncurrent loans | 230.5636% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 2,830 |
| Noncurrent loans to loans | 0.8531% | 2,398 |
| Net loans and leases to total assets | 72.4324% | 2,105 |
| Net loans and leases to deposits | 83.7052% | 2,454 |
| Net loans and leases to core deposits | 128.6729% | 302 |
| Total domestic deposits to total assets | 86.5327% | 2,360 |
| Equity capital to assets | 8.6609% | 5,142 |
| Core capital (leverage) ratio | 9.4424% | 4,167 |
| Tier 1 risk-based capital ratio | 12.7285% | 4,257 |
| Total risk-based capital ratio | 13.9872% | 4,136 |
| Memoranda: | ||
| Average total assets | $217,968,000 | 2,779 |
| Average earning assets | $201,653,800 | 2,772 |
| Average equity | $19,559,400 | 3,213 |
| Average total loans | $158,227,400 | 2,538 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 446 |
| Cost of funding earning assets | 0.7835% | 550 |
| Net interest margin | 4.3829% | 803 |
| Noninterest income to average assets | 0.4241% | 3,738 |
| Noninterest expense to average assets | 2.7774% | 3,088 |
| Loan and lease loss provision to assets | 0.0552% | 3,151 |
| Net operating income to assets | 1.6473% | 662 |
| Return on assets (ROA) | 1.6504% | 694 |
| Pretax return on assets | 1.6504% | 1,246 |
| Return on Equity (ROE) | 18.2312% | 339 |
| Retained earnings to average equity (ytd only) | 6.3772% | 1,973 |
| Net charge-offs to loans | -0.0068% | 4,680 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9973% | 4,232 |
| Assets per employee ($millions) | 4.3283% | 3,370 |
| Cash dividends to net income (ytd only)* | 65.0204% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 731 |
| Loan loss allowance to noncurrent loans | 217.1939% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,895 |
| Noncurrent loans to loans | 0.9200% | 2,403 |
| Net loans and leases to total assets | 71.5659% | 2,251 |
| Net loans and leases to deposits | 83.8322% | 2,503 |
| Net loans and leases to core deposits | 126.6125% | 359 |
| Total domestic deposits to total assets | 85.3680% | 2,653 |
| Equity capital to assets | 9.4083% | 4,755 |
| Core capital (leverage) ratio | 9.4519% | 4,247 |
| Tier 1 risk-based capital ratio | 12.9298% | 4,203 |
| Total risk-based capital ratio | 14.1893% | 4,108 |
| Memoranda: | ||
| Average total assets | $217,564,000 | 2,789 |
| Average earning assets | $201,321,500 | 2,789 |
| Average equity | $19,694,750 | 3,223 |
| Average total loans | $157,224,000 | 2,561 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 467 |
| Cost of funding earning assets | 0.7759% | 551 |
| Net interest margin | 4.3580% | 837 |
| Noninterest income to average assets | 0.4139% | 3,791 |
| Noninterest expense to average assets | 2.7768% | 3,105 |
| Loan and lease loss provision to assets | 0.0688% | 2,762 |
| Net operating income to assets | 1.6041% | 718 |
| Return on assets (ROA) | 1.6087% | 758 |
| Pretax return on assets | 1.6087% | 1,351 |
| Return on Equity (ROE) | 18.0047% | 357 |
| Retained earnings to average equity (ytd only) | 6.1830% | 2,027 |
| Net charge-offs to loans | 0.0382% | 2,691 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 60.7667% | 868 |
| Efficiency ratio | 62.4046% | 4,285 |
| Assets per employee ($millions) | 4.3059% | 3,355 |
| Cash dividends to net income (ytd only)* | 65.6589% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 826 |
| Loan loss allowance to noncurrent loans | 290.1869% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 3,524 |
| Noncurrent loans to loans | 0.6707% | 3,059 |
| Net loans and leases to total assets | 72.6596% | 2,059 |
| Net loans and leases to deposits | 85.1506% | 2,337 |
| Net loans and leases to core deposits | 130.4070% | 302 |
| Total domestic deposits to total assets | 85.3307% | 2,721 |
| Equity capital to assets | 9.3199% | 4,955 |
| Core capital (leverage) ratio | 9.2271% | 4,550 |
| Tier 1 risk-based capital ratio | 12.5214% | 4,504 |
| Total risk-based capital ratio | 13.7802% | 4,413 |
| Memoranda: | ||
| Average total assets | $217,946,670 | 2,791 |
| Average earning assets | $201,834,670 | 2,795 |
| Average equity | $19,472,670 | 3,251 |
| Average total loans | $156,952,670 | 2,562 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 506 |
| Cost of funding earning assets | 0.7661% | 589 |
| Net interest margin | 4.3130% | 905 |
| Noninterest income to average assets | 0.3758% | 4,031 |
| Noninterest expense to average assets | 2.8385% | 2,924 |
| Loan and lease loss provision to assets | 0.0420% | 3,088 |
| Net operating income to assets | 1.4904% | 875 |
| Return on assets (ROA) | 1.4995% | 893 |
| Pretax return on assets | 1.4995% | 1,586 |
| Return on Equity (ROE) | 17.1460% | 420 |
| Retained earnings to average equity (ytd only) | 5.8196% | 2,459 |
| Net charge-offs to loans | 0.0051% | 2,938 |
| Credit loss provision to net charge-offs | 1,150.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 137 |
| Efficiency ratio | 64.9416% | 3,987 |
| Assets per employee ($millions) | 4.4402% | 3,181 |
| Cash dividends to net income (ytd only)* | 66.0584% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 851 |
| Loan loss allowance to noncurrent loans | 463.3083% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 4,375 |
| Noncurrent loans to loans | 0.4261% | 3,917 |
| Net loans and leases to total assets | 68.9165% | 2,509 |
| Net loans and leases to deposits | 80.1831% | 2,767 |
| Net loans and leases to core deposits | 121.4271% | 430 |
| Total domestic deposits to total assets | 85.9490% | 2,690 |
| Equity capital to assets | 8.8216% | 5,323 |
| Core capital (leverage) ratio | 9.1169% | 4,711 |
| Tier 1 risk-based capital ratio | 12.6570% | 4,481 |
| Total risk-based capital ratio | 13.9161% | 4,385 |
| Memoranda: | ||
| Average total assets | $219,273,500 | 2,788 |
| Average earning assets | $203,106,500 | 2,787 |
| Average equity | $19,176,500 | 3,286 |
| Average total loans | $155,661,000 | 2,576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 434 |
| Cost of funding earning assets | 0.7587% | 612 |
| Net interest margin | 4.4384% | 732 |
| Noninterest income to average assets | 0.4090% | 3,964 |
| Noninterest expense to average assets | 2.7117% | 3,541 |
| Loan and lease loss provision to assets | 0.1444% | 1,640 |
| Net operating income to assets | 1.6734% | 607 |
| Return on assets (ROA) | 1.6715% | 626 |
| Pretax return on assets | 1.6715% | 1,061 |
| Return on Equity (ROE) | 19.4857% | 277 |
| Retained earnings to average equity (ytd only) | 5.7865% | 1,905 |
| Net charge-offs to loans | 0.2360% | 1,261 |
| Credit loss provision to net charge-offs | 85.3933% | 2,848 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,658 |
| Efficiency ratio | 59.8679% | 4,921 |
| Assets per employee ($millions) | 4.4191% | 3,176 |
| Cash dividends to net income (ytd only)* | 70.3041% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 840 |
| Loan loss allowance to noncurrent loans | 467.1756% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,109 |
| Noncurrent loans to loans | 0.4219% | 3,945 |
| Net loans and leases to total assets | 70.2787% | 2,325 |
| Net loans and leases to deposits | 81.5771% | 2,641 |
| Net loans and leases to core deposits | 123.6365% | 386 |
| Total domestic deposits to total assets | 86.1500% | 2,573 |
| Equity capital to assets | 8.6674% | 5,411 |
| Core capital (leverage) ratio | 8.9996% | 4,883 |
| Tier 1 risk-based capital ratio | 12.4391% | 4,672 |
| Total risk-based capital ratio | 13.6982% | 4,559 |
| Memoranda: | ||
| Average total assets | $210,533,600 | 2,839 |
| Average earning assets | $195,455,000 | 2,821 |
| Average equity | $18,059,400 | 3,376 |
| Average total loans | $150,873,000 | 2,587 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 447 |
| Cost of funding earning assets | 0.7551% | 629 |
| Net interest margin | 4.4330% | 744 |
| Noninterest income to average assets | 0.4159% | 3,964 |
| Noninterest expense to average assets | 2.7013% | 3,558 |
| Loan and lease loss provision to assets | 0.1371% | 1,629 |
| Net operating income to assets | 1.6967% | 630 |
| Return on assets (ROA) | 1.6941% | 656 |
| Pretax return on assets | 1.6941% | 1,120 |
| Return on Equity (ROE) | 19.8031% | 283 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,202 |
| Net charge-offs to loans | 0.2083% | 1,245 |
| Credit loss provision to net charge-offs | 91.8803% | 2,443 |
| Earnings coverage of net charge-offs (x) | 12.2864% | 2,418 |
| Efficiency ratio | 59.5640% | 4,940 |
| Assets per employee ($millions) | 4.3336% | 3,268 |
| Cash dividends to net income (ytd only)* | 69.3901% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 896 |
| Loan loss allowance to noncurrent loans | 397.0475% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 4,031 |
| Noncurrent loans to loans | 0.5072% | 3,826 |
| Net loans and leases to total assets | 70.8666% | 2,256 |
| Net loans and leases to deposits | 81.8007% | 2,662 |
| Net loans and leases to core deposits | 126.5169% | 328 |
| Total domestic deposits to total assets | 86.6332% | 2,219 |
| Equity capital to assets | 8.6957% | 5,578 |
| Core capital (leverage) ratio | 9.0984% | 4,885 |
| Tier 1 risk-based capital ratio | 12.4561% | 4,789 |
| Total risk-based capital ratio | 13.7153% | 4,684 |
| Memoranda: | ||
| Average total assets | $209,033,250 | 2,886 |
| Average earning assets | $194,235,750 | 2,863 |
| Average equity | $17,882,250 | 3,422 |
| Average total loans | $149,781,750 | 2,610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 450 |
| Cost of funding earning assets | 0.7594% | 613 |
| Net interest margin | 4.4086% | 749 |
| Noninterest income to average assets | 0.3828% | 4,210 |
| Noninterest expense to average assets | 2.6875% | 3,636 |
| Loan and lease loss provision to assets | 0.1279% | 1,736 |
| Net operating income to assets | 1.6660% | 664 |
| Return on assets (ROA) | 1.6660% | 690 |
| Pretax return on assets | 1.6660% | 1,153 |
| Return on Equity (ROE) | 19.5839% | 293 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,218 |
| Net charge-offs to loans | 0.0485% | 2,739 |
| Credit loss provision to net charge-offs | 369.4444% | 798 |
| Earnings coverage of net charge-offs (x) | 51.8056% | 934 |
| Efficiency ratio | 59.9700% | 4,987 |
| Assets per employee ($millions) | 4.2318% | 3,411 |
| Cash dividends to net income (ytd only)* | 69.1109% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 808 |
| Loan loss allowance to noncurrent loans | 318.6693% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 3,674 |
| Noncurrent loans to loans | 0.6703% | 3,470 |
| Net loans and leases to total assets | 70.9055% | 2,178 |
| Net loans and leases to deposits | 81.5514% | 2,615 |
| Net loans and leases to core deposits | 131.7016% | 250 |
| Total domestic deposits to total assets | 86.9458% | 2,198 |
| Equity capital to assets | 8.4289% | 5,740 |
| Core capital (leverage) ratio | 8.8393% | 5,176 |
| Tier 1 risk-based capital ratio | 12.6659% | 4,703 |
| Total risk-based capital ratio | 13.9270% | 4,624 |
| Memoranda: | ||
| Average total assets | $207,928,670 | 2,914 |
| Average earning assets | $193,303,000 | 2,898 |
| Average equity | $17,688,000 | 3,471 |
| Average total loans | $148,517,000 | 2,640 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 476 |
| Cost of funding earning assets | 0.7458% | 675 |
| Net interest margin | 4.3650% | 783 |
| Noninterest income to average assets | 0.3823% | 4,141 |
| Noninterest expense to average assets | 2.6319% | 3,817 |
| Loan and lease loss provision to assets | 0.1364% | 1,513 |
| Net operating income to assets | 1.6733% | 627 |
| Return on assets (ROA) | 1.6733% | 655 |
| Pretax return on assets | 1.6733% | 1,105 |
| Return on Equity (ROE) | 19.5807% | 286 |
| Retained earnings to average equity (ytd only) | 5.7326% | 2,641 |
| Net charge-offs to loans | 0.0135% | 2,910 |
| Credit loss provision to net charge-offs | 1,420.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 188.4000% | 298 |
| Efficiency ratio | 59.2561% | 5,188 |
| Assets per employee ($millions) | 4.3540% | 3,282 |
| Cash dividends to net income (ytd only)* | 70.7233% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 909 |
| Loan loss allowance to noncurrent loans | 279.5075% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 3,634 |
| Noncurrent loans to loans | 0.7567% | 3,362 |
| Net loans and leases to total assets | 68.9351% | 2,296 |
| Net loans and leases to deposits | 79.3310% | 2,635 |
| Net loans and leases to core deposits | 129.3751% | 250 |
| Total domestic deposits to total assets | 86.8955% | 2,428 |
| Equity capital to assets | 8.5190% | 5,727 |
| Core capital (leverage) ratio | 8.9090% | 5,063 |
| Tier 1 risk-based capital ratio | 12.5837% | 4,846 |
| Total risk-based capital ratio | 13.8446% | 4,759 |
| Memoranda: | ||
| Average total assets | $208,213,500 | 2,931 |
| Average earning assets | $193,629,500 | 2,910 |
| Average equity | $17,793,000 | 3,479 |
| Average total loans | $147,656,500 | 2,655 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 428 |
| Cost of funding earning assets | 0.7410% | 888 |
| Net interest margin | 4.5917% | 626 |
| Noninterest income to average assets | 0.3812% | 4,336 |
| Noninterest expense to average assets | 2.7274% | 3,759 |
| Loan and lease loss provision to assets | 0.1426% | 1,864 |
| Net operating income to assets | 1.7579% | 513 |
| Return on assets (ROA) | 1.7569% | 526 |
| Pretax return on assets | 1.7569% | 875 |
| Return on Equity (ROE) | 22.9123% | 153 |
| Retained earnings to average equity (ytd only) | 5.8586% | 2,017 |
| Net charge-offs to loans | 0.2732% | 1,584 |
| Credit loss provision to net charge-offs | 74.0260% | 2,981 |
| Earnings coverage of net charge-offs (x) | 9.8675% | 2,688 |
| Efficiency ratio | 58.9342% | 5,354 |
| Assets per employee ($millions) | 4.1445% | 3,644 |
| Cash dividends to net income (ytd only)* | 74.4305% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1453% | 889 |
| Loan loss allowance to noncurrent loans | 266.2104% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 3,587 |
| Noncurrent loans to loans | 0.8059% | 3,296 |
| Net loans and leases to total assets | 69.8995% | 2,252 |
| Net loans and leases to deposits | 80.4343% | 2,668 |
| Net loans and leases to core deposits | 130.9049% | 232 |
| Total domestic deposits to total assets | 86.9027% | 2,331 |
| Equity capital to assets | 8.5735% | 5,664 |
| Core capital (leverage) ratio | 8.8396% | 5,203 |
| Tier 1 risk-based capital ratio | 12.6987% | 4,918 |
| Total risk-based capital ratio | 13.9597% | 4,825 |
| Memoranda: | ||
| Average total assets | $199,895,200 | 3,000 |
| Average earning assets | $184,878,800 | 2,977 |
| Average equity | $15,328,000 | 3,777 |
| Average total loans | $140,929,800 | 2,699 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 432 |
| Cost of funding earning assets | 0.7401% | 941 |
| Net interest margin | 4.5789% | 643 |
| Noninterest income to average assets | 0.3757% | 4,427 |
| Noninterest expense to average assets | 2.6686% | 3,947 |
| Loan and lease loss provision to assets | 0.1500% | 1,658 |
| Net operating income to assets | 1.7873% | 523 |
| Return on assets (ROA) | 1.7860% | 537 |
| Pretax return on assets | 1.7860% | 917 |
| Return on Equity (ROE) | 24.0147% | 126 |
| Retained earnings to average equity (ytd only) | 7.2125% | 1,708 |
| Net charge-offs to loans | 0.1897% | 1,946 |
| Credit loss provision to net charge-offs | 112.5628% | 2,009 |
| Earnings coverage of net charge-offs (x) | 14.5375% | 2,137 |
| Efficiency ratio | 57.9384% | 5,455 |
| Assets per employee ($millions) | 4.2971% | 3,298 |
| Cash dividends to net income (ytd only)* | 69.9663% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 864 |
| Loan loss allowance to noncurrent loans | 238.8930% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 3,535 |
| Noncurrent loans to loans | 0.9480% | 3,192 |
| Net loans and leases to total assets | 69.1704% | 2,332 |
| Net loans and leases to deposits | 79.3491% | 2,788 |
| Net loans and leases to core deposits | 128.5253% | 250 |
| Total domestic deposits to total assets | 87.1723% | 2,220 |
| Equity capital to assets | 8.0208% | 6,123 |
| Core capital (leverage) ratio | 8.9262% | 5,161 |
| Tier 1 risk-based capital ratio | 12.7306% | 5,025 |
| Total risk-based capital ratio | 13.9932% | 4,922 |
| Memoranda: | ||
| Average total assets | $199,099,000 | 3,033 |
| Average earning assets | $183,942,000 | 3,014 |
| Average equity | $14,807,250 | 3,893 |
| Average total loans | $139,896,250 | 2,732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 431 |
| Cost of funding earning assets | 0.7443% | 946 |
| Net interest margin | 4.5589% | 625 |
| Noninterest income to average assets | 0.3765% | 4,435 |
| Noninterest expense to average assets | 2.6506% | 4,056 |
| Loan and lease loss provision to assets | 0.2251% | 1,023 |
| Net operating income to assets | 1.7109% | 563 |
| Return on assets (ROA) | 1.7089% | 588 |
| Pretax return on assets | 1.7089% | 1,002 |
| Return on Equity (ROE) | 23.6068% | 149 |
| Retained earnings to average equity (ytd only) | 6.3862% | 2,099 |
| Net charge-offs to loans | 0.2030% | 1,811 |
| Credit loss provision to net charge-offs | 158.1560% | 1,410 |
| Earnings coverage of net charge-offs (x) | 13.6028% | 1,970 |
| Efficiency ratio | 57.7905% | 5,579 |
| Assets per employee ($millions) | 4.2954% | 3,282 |
| Cash dividends to net income (ytd only)* | 72.9474% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3107% | 886 |
| Loan loss allowance to noncurrent loans | 227.3292% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 3,406 |
| Noncurrent loans to loans | 1.0165% | 3,202 |
| Net loans and leases to total assets | 68.9804% | 2,240 |
| Net loans and leases to deposits | 78.9182% | 2,671 |
| Net loans and leases to core deposits | 124.6668% | 292 |
| Total domestic deposits to total assets | 87.4075% | 2,242 |
| Equity capital to assets | 7.7099% | 6,294 |
| Core capital (leverage) ratio | 8.8020% | 5,272 |
| Tier 1 risk-based capital ratio | 12.5747% | 5,178 |
| Total risk-based capital ratio | 13.8381% | 5,101 |
| Memoranda: | ||
| Average total assets | $198,144,670 | 3,058 |
| Average earning assets | $182,982,670 | 3,043 |
| Average equity | $14,343,330 | 3,975 |
| Average total loans | $138,883,330 | 2,751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 425 |
| Cost of funding earning assets | 0.7524% | 961 |
| Net interest margin | 4.5301% | 619 |
| Noninterest income to average assets | 0.3587% | 4,520 |
| Noninterest expense to average assets | 2.6901% | 3,965 |
| Loan and lease loss provision to assets | 0.1651% | 1,467 |
| Net operating income to assets | 1.6874% | 587 |
| Return on assets (ROA) | 1.6833% | 607 |
| Pretax return on assets | 1.6833% | 1,010 |
| Return on Equity (ROE) | 24.0597% | 143 |
| Retained earnings to average equity (ytd only) | 7.0198% | 2,040 |
| Net charge-offs to loans | 0.0146% | 3,303 |
| Credit loss provision to net charge-offs | 1,620.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 181.8000% | 268 |
| Efficiency ratio | 59.2194% | 5,508 |
| Assets per employee ($millions) | 4.2546% | 3,429 |
| Cash dividends to net income (ytd only)* | 70.8232% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 949 |
| Loan loss allowance to noncurrent loans | 182.7682% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 3,359 |
| Noncurrent loans to loans | 1.2946% | 2,862 |
| Net loans and leases to total assets | 67.8505% | 2,247 |
| Net loans and leases to deposits | 77.2993% | 2,652 |
| Net loans and leases to core deposits | 123.6685% | 269 |
| Total domestic deposits to total assets | 87.7764% | 2,361 |
| Equity capital to assets | 7.2392% | 6,394 |
| Core capital (leverage) ratio | 8.8223% | 5,244 |
| Tier 1 risk-based capital ratio | 12.6759% | 5,206 |
| Total risk-based capital ratio | 13.9399% | 5,131 |
| Memoranda: | ||
| Average total assets | $196,276,000 | 3,099 |
| Average earning assets | $181,277,500 | 3,076 |
| Average equity | $13,732,500 | 4,095 |
| Average total loans | $137,048,500 | 2,780 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 398 |
| Cost of funding earning assets | 0.7815% | 1,313 |
| Net interest margin | 4.6646% | 538 |
| Noninterest income to average assets | 0.3932% | 4,500 |
| Noninterest expense to average assets | 2.7189% | 4,029 |
| Loan and lease loss provision to assets | 0.2595% | 1,379 |
| Net operating income to assets | 1.7279% | 557 |
| Return on assets (ROA) | 1.7447% | 551 |
| Pretax return on assets | 1.7447% | 861 |
| Return on Equity (ROE) | 23.1977% | 171 |
| Retained earnings to average equity (ytd only) | 6.4660% | 1,707 |
| Net charge-offs to loans | 0.1482% | 3,322 |
| Credit loss provision to net charge-offs | 258.1152% | 877 |
| Earnings coverage of net charge-offs (x) | 19.7696% | 1,588 |
| Efficiency ratio | 57.7723% | 5,764 |
| Assets per employee ($millions) | 4.1867% | 3,465 |
| Cash dividends to net income (ytd only)* | 72.1267% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3770% | 953 |
| Loan loss allowance to noncurrent loans | 660.9053% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 5,278 |
| Noncurrent loans to loans | 0.3597% | 5,106 |
| Net loans and leases to total assets | 68.4987% | 2,262 |
| Net loans and leases to deposits | 78.3483% | 2,683 |
| Net loans and leases to core deposits | 124.7048% | 256 |
| Total domestic deposits to total assets | 87.4285% | 2,509 |
| Equity capital to assets | 6.7445% | 6,524 |
| Core capital (leverage) ratio | 8.8112% | 5,262 |
| Tier 1 risk-based capital ratio | 12.6763% | 5,189 |
| Total risk-based capital ratio | 13.9403% | 5,124 |
| Memoranda: | ||
| Average total assets | $190,002,600 | 3,158 |
| Average earning assets | $175,684,400 | 3,138 |
| Average equity | $14,290,200 | 4,005 |
| Average total loans | $128,844,400 | 2,881 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 413 |
| Cost of funding earning assets | 0.7880% | 1,391 |
| Net interest margin | 4.6425% | 570 |
| Noninterest income to average assets | 0.4006% | 4,535 |
| Noninterest expense to average assets | 2.7264% | 3,919 |
| Loan and lease loss provision to assets | 0.2260% | 1,604 |
| Net operating income to assets | 1.7420% | 591 |
| Return on assets (ROA) | 1.7504% | 602 |
| Pretax return on assets | 1.7504% | 994 |
| Return on Equity (ROE) | 22.6785% | 182 |
| Retained earnings to average equity (ytd only) | 6.5500% | 2,104 |
| Net charge-offs to loans | 0.0199% | 4,735 |
| Credit loss provision to net charge-offs | 1,689.4737% | 193 |
| Earnings coverage of net charge-offs (x) | 147.1208% | 374 |
| Efficiency ratio | 58.0771% | 5,674 |
| Assets per employee ($millions) | 4.1525% | 3,527 |
| Cash dividends to net income (ytd only)* | 71.1182% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 955 |
| Loan loss allowance to noncurrent loans | 256.9600% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 4,439 |
| Noncurrent loans to loans | 0.9656% | 3,883 |
| Net loans and leases to total assets | 67.5586% | 2,359 |
| Net loans and leases to deposits | 76.8180% | 2,842 |
| Net loans and leases to core deposits | 119.4896% | 335 |
| Total domestic deposits to total assets | 87.9462% | 2,164 |
| Equity capital to assets | 6.6600% | 6,617 |
| Core capital (leverage) ratio | 8.7129% | 5,518 |
| Tier 1 risk-based capital ratio | 12.9117% | 5,186 |
| Total risk-based capital ratio | 14.1770% | 5,115 |
| Memoranda: | ||
| Average total assets | $189,356,750 | 3,194 |
| Average earning assets | $175,132,250 | 3,174 |
| Average equity | $14,615,500 | 3,985 |
| Average total loans | $127,272,750 | 2,923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 465 |
| Cost of funding earning assets | 0.7967% | 1,435 |
| Net interest margin | 4.5747% | 627 |
| Noninterest income to average assets | 0.3817% | 4,660 |
| Noninterest expense to average assets | 2.6784% | 4,114 |
| Loan and lease loss provision to assets | 0.2177% | 1,742 |
| Net operating income to assets | 1.7183% | 603 |
| Return on assets (ROA) | 1.7194% | 654 |
| Pretax return on assets | 1.7194% | 1,075 |
| Return on Equity (ROE) | 21.3182% | 232 |
| Retained earnings to average equity (ytd only) | 6.3498% | 2,233 |
| Net charge-offs to loans | 0.0095% | 4,696 |
| Credit loss provision to net charge-offs | 3,450.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 306.8333% | 165 |
| Efficiency ratio | 58.0447% | 5,730 |
| Assets per employee ($millions) | 4.2079% | 3,337 |
| Cash dividends to net income (ytd only)* | 70.2141% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4533% | 1,035 |
| Loan loss allowance to noncurrent loans | 307.7151% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 4,927 |
| Noncurrent loans to loans | 0.7973% | 4,317 |
| Net loans and leases to total assets | 65.3258% | 2,709 |
| Net loans and leases to deposits | 73.6958% | 3,199 |
| Net loans and leases to core deposits | 112.3323% | 477 |
| Total domestic deposits to total assets | 88.6424% | 1,814 |
| Equity capital to assets | 7.3455% | 6,496 |
| Core capital (leverage) ratio | 8.5722% | 5,584 |
| Tier 1 risk-based capital ratio | 13.0052% | 5,142 |
| Total risk-based capital ratio | 14.2705% | 5,070 |
| Memoranda: | ||
| Average total assets | $190,188,000 | 3,192 |
| Average earning assets | $175,967,000 | 3,172 |
| Average equity | $15,339,000 | 3,885 |
| Average total loans | $126,545,670 | 2,947 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 486 |
| Cost of funding earning assets | 0.8077% | 1,486 |
| Net interest margin | 4.5175% | 660 |
| Noninterest income to average assets | 0.3421% | 4,956 |
| Noninterest expense to average assets | 2.6358% | 4,293 |
| Loan and lease loss provision to assets | 0.2141% | 1,733 |
| Net operating income to assets | 1.6705% | 628 |
| Return on assets (ROA) | 1.6705% | 690 |
| Pretax return on assets | 1.6705% | 1,153 |
| Return on Equity (ROE) | 19.8331% | 309 |
| Retained earnings to average equity (ytd only) | 6.1044% | 2,622 |
| Net charge-offs to loans | 0.0063% | 4,035 |
| Credit loss provision to net charge-offs | 5,100.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 76 |
| Efficiency ratio | 58.3101% | 5,809 |
| Assets per employee ($millions) | 4.4939% | 2,984 |
| Cash dividends to net income (ytd only)* | 69.2211% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 1,268 |
| Loan loss allowance to noncurrent loans | 311.2720% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,091 |
| Noncurrent loans to loans | 0.7661% | 4,594 |
| Net loans and leases to total assets | 63.7632% | 2,757 |
| Net loans and leases to deposits | 72.2726% | 3,148 |
| Net loans and leases to core deposits | 107.0253% | 602 |
| Total domestic deposits to total assets | 88.2259% | 2,176 |
| Equity capital to assets | 8.3400% | 6,161 |
| Core capital (leverage) ratio | 8.4398% | 5,656 |
| Tier 1 risk-based capital ratio | 12.9622% | 5,250 |
| Total risk-based capital ratio | 14.2262% | 5,188 |
| Memoranda: | ||
| Average total assets | $190,605,000 | 3,214 |
| Average earning assets | $176,292,500 | 3,194 |
| Average equity | $16,054,000 | 3,812 |
| Average total loans | $126,414,500 | 2,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 482 |
| Cost of funding earning assets | 0.9667% | 1,546 |
| Net interest margin | 4.6644% | 698 |
| Noninterest income to average assets | 0.3991% | 4,615 |
| Noninterest expense to average assets | 2.7340% | 4,273 |
| Loan and lease loss provision to assets | 0.2765% | 2,437 |
| Net operating income to assets | 1.6965% | 622 |
| Return on assets (ROA) | 1.7310% | 650 |
| Pretax return on assets | 1.7310% | 1,069 |
| Return on Equity (ROE) | 20.7339% | 274 |
| Retained earnings to average equity (ytd only) | 0.5628% | 5,569 |
| Net charge-offs to loans | -0.0410% | 6,671 |
| Credit loss provision to net charge-offs | -1,003.9216% | 6,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0838% | 5,816 |
| Assets per employee ($millions) | 4.2721% | 3,417 |
| Cash dividends to net income (ytd only)* | 97.2855% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,375 |
| Loan loss allowance to noncurrent loans | 319.0789% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 5,213 |
| Noncurrent loans to loans | 0.7204% | 4,740 |
| Net loans and leases to total assets | 65.8047% | 2,561 |
| Net loans and leases to deposits | 74.9780% | 2,969 |
| Net loans and leases to core deposits | 111.9665% | 474 |
| Total domestic deposits to total assets | 87.7653% | 2,368 |
| Equity capital to assets | 8.5076% | 6,046 |
| Core capital (leverage) ratio | 8.4719% | 5,654 |
| Tier 1 risk-based capital ratio | 12.8805% | 5,196 |
| Total risk-based capital ratio | 14.1438% | 5,122 |
| Memoranda: | ||
| Average total assets | $185,149,000 | 3,240 |
| Average earning assets | $170,996,600 | 3,216 |
| Average equity | $15,457,800 | 3,866 |
| Average total loans | $124,417,200 | 2,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6569% | 505 |
| Cost of funding earning assets | 0.9908% | 1,620 |
| Net interest margin | 4.6661% | 722 |
| Noninterest income to average assets | 0.4128% | 4,535 |
| Noninterest expense to average assets | 2.6898% | 4,406 |
| Loan and lease loss provision to assets | 0.2783% | 2,342 |
| Net operating income to assets | 1.7544% | 625 |
| Return on assets (ROA) | 1.7992% | 639 |
| Pretax return on assets | 1.7992% | 1,049 |
| Return on Equity (ROE) | 21.6557% | 254 |
| Retained earnings to average equity (ytd only) | 10.2841% | 839 |
| Net charge-offs to loans | -0.0495% | 6,706 |
| Credit loss provision to net charge-offs | -836.9565% | 6,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9570% | 5,924 |
| Assets per employee ($millions) | 4.2581% | 3,356 |
| Cash dividends to net income (ytd only)* | 52.5110% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 1,648 |
| Loan loss allowance to noncurrent loans | 313.1905% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,429 |
| Noncurrent loans to loans | 0.7124% | 5,012 |
| Net loans and leases to total assets | 64.9685% | 2,849 |
| Net loans and leases to deposits | 74.3215% | 3,234 |
| Net loans and leases to core deposits | 112.3870% | 484 |
| Total domestic deposits to total assets | 87.4155% | 2,412 |
| Equity capital to assets | 8.5254% | 6,238 |
| Core capital (leverage) ratio | 8.5461% | 5,690 |
| Tier 1 risk-based capital ratio | 13.0903% | 5,175 |
| Total risk-based capital ratio | 14.3529% | 5,128 |
| Memoranda: | ||
| Average total assets | $184,443,000 | 3,282 |
| Average earning assets | $170,359,250 | 3,259 |
| Average equity | $15,324,250 | 3,928 |
| Average total loans | $123,870,250 | 3,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 486 |
| Cost of funding earning assets | 1.0242% | 1,615 |
| Net interest margin | 4.6713% | 713 |
| Noninterest income to average assets | 0.4426% | 4,348 |
| Noninterest expense to average assets | 2.6892% | 4,469 |
| Loan and lease loss provision to assets | 0.2900% | 2,262 |
| Net operating income to assets | 1.7790% | 586 |
| Return on assets (ROA) | 1.8466% | 585 |
| Pretax return on assets | 1.8466% | 945 |
| Return on Equity (ROE) | 22.4252% | 234 |
| Retained earnings to average equity (ytd only) | 11.8613% | 606 |
| Net charge-offs to loans | -0.1197% | 6,892 |
| Credit loss provision to net charge-offs | -359.4595% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5178% | 6,060 |
| Assets per employee ($millions) | 4.2060% | 3,443 |
| Cash dividends to net income (ytd only)* | 47.1074% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1365% | 1,916 |
| Loan loss allowance to noncurrent loans | 685.4592% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,153 |
| Noncurrent loans to loans | 0.3117% | 5,927 |
| Net loans and leases to total assets | 66.5047% | 2,569 |
| Net loans and leases to deposits | 76.2417% | 2,951 |
| Net loans and leases to core deposits | 114.8567% | 425 |
| Total domestic deposits to total assets | 87.2288% | 2,631 |
| Equity capital to assets | 8.5667% | 6,146 |
| Core capital (leverage) ratio | 8.3985% | 5,793 |
| Tier 1 risk-based capital ratio | 12.8041% | 5,337 |
| Total risk-based capital ratio | 14.0659% | 5,299 |
| Memoranda: | ||
| Average total assets | $183,471,670 | 3,306 |
| Average earning assets | $169,502,000 | 3,277 |
| Average equity | $15,108,000 | 3,967 |
| Average total loans | $123,660,000 | 3,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7503% | 469 |
| Cost of funding earning assets | 1.0709% | 1,547 |
| Net interest margin | 4.6794% | 709 |
| Noninterest income to average assets | 0.4992% | 3,914 |
| Noninterest expense to average assets | 2.6780% | 4,514 |
| Loan and lease loss provision to assets | 0.3766% | 1,677 |
| Net operating income to assets | 1.7693% | 635 |
| Return on assets (ROA) | 1.8787% | 588 |
| Pretax return on assets | 1.8787% | 920 |
| Return on Equity (ROE) | 23.2915% | 231 |
| Retained earnings to average equity (ytd only) | 14.0075% | 565 |
| Net charge-offs to loans | -0.2675% | 7,038 |
| Credit loss provision to net charge-offs | -209.7561% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5152% | 6,180 |
| Assets per employee ($millions) | 4.2195% | 3,540 |
| Cash dividends to net income (ytd only)* | 39.8601% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 2,123 |
| Loan loss allowance to noncurrent loans | 1,111.5385% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,489 |
| Noncurrent loans to loans | 0.1882% | 6,304 |
| Net loans and leases to total assets | 65.5833% | 2,548 |
| Net loans and leases to deposits | 75.2272% | 2,939 |
| Net loans and leases to core deposits | 107.9977% | 608 |
| Total domestic deposits to total assets | 87.1803% | 2,843 |
| Equity capital to assets | 7.9549% | 6,548 |
| Core capital (leverage) ratio | 8.2200% | 5,999 |
| Tier 1 risk-based capital ratio | 12.3545% | 5,718 |
| Total risk-based capital ratio | 13.6157% | 5,671 |
| Memoranda: | ||
| Average total assets | $182,675,000 | 3,336 |
| Average earning assets | $168,825,500 | 3,304 |
| Average equity | $14,735,000 | 4,048 |
| Average total loans | $122,608,000 | 3,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0697% | 382 |
| Cost of funding earning assets | 1.5376% | 618 |
| Net interest margin | 4.5321% | 1,065 |
| Noninterest income to average assets | 0.4196% | 4,452 |
| Noninterest expense to average assets | 2.7458% | 4,574 |
| Loan and lease loss provision to assets | 0.3612% | 2,840 |
| Net operating income to assets | 1.4795% | 869 |
| Return on assets (ROA) | 1.5152% | 864 |
| Pretax return on assets | 1.5152% | 1,427 |
| Return on Equity (ROE) | 19.4381% | 290 |
| Retained earnings to average equity (ytd only) | 6.7219% | 1,631 |
| Net charge-offs to loans | 0.1802% | 4,705 |
| Credit loss provision to net charge-offs | 296.2791% | 798 |
| Earnings coverage of net charge-offs (x) | 15.0977% | 1,415 |
| Efficiency ratio | 59.8665% | 5,779 |
| Assets per employee ($millions) | 4.0839% | 3,681 |
| Cash dividends to net income (ytd only)* | 65.4192% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 2,442 |
| Loan loss allowance to noncurrent loans | 754.6624% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 6,216 |
| Noncurrent loans to loans | 0.2573% | 6,212 |
| Net loans and leases to total assets | 65.9502% | 2,796 |
| Net loans and leases to deposits | 76.5375% | 3,084 |
| Net loans and leases to core deposits | 107.9309% | 705 |
| Total domestic deposits to total assets | 86.1673% | 3,218 |
| Equity capital to assets | 8.1813% | 6,450 |
| Core capital (leverage) ratio | 8.0373% | 6,219 |
| Tier 1 risk-based capital ratio | 12.2705% | 5,631 |
| Total risk-based capital ratio | 13.5297% | 5,597 |
| Memoranda: | ||
| Average total assets | $176,343,600 | 3,391 |
| Average earning assets | $162,132,000 | 3,363 |
| Average equity | $13,746,200 | 4,176 |
| Average total loans | $119,342,200 | 3,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1231% | 378 |
| Cost of funding earning assets | 1.6511% | 471 |
| Net interest margin | 4.4720% | 1,209 |
| Noninterest income to average assets | 0.4300% | 4,440 |
| Noninterest expense to average assets | 2.7068% | 4,697 |
| Loan and lease loss provision to assets | 0.3920% | 2,506 |
| Net operating income to assets | 1.4381% | 1,083 |
| Return on assets (ROA) | 1.4859% | 1,049 |
| Pretax return on assets | 1.4859% | 1,688 |
| Return on Equity (ROE) | 19.3073% | 354 |
| Retained earnings to average equity (ytd only) | 14.5792% | 259 |
| Net charge-offs to loans | 0.1715% | 4,424 |
| Credit loss provision to net charge-offs | 337.2549% | 839 |
| Earnings coverage of net charge-offs (x) | 15.7455% | 1,442 |
| Efficiency ratio | 59.6618% | 5,773 |
| Assets per employee ($millions) | 4.0786% | 3,680 |
| Cash dividends to net income (ytd only)* | 24.4888% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,618 |
| Loan loss allowance to noncurrent loans | 655.5874% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 6,237 |
| Noncurrent loans to loans | 0.2894% | 6,271 |
| Net loans and leases to total assets | 65.9335% | 2,917 |
| Net loans and leases to deposits | 75.1481% | 3,482 |
| Net loans and leases to core deposits | 106.2708% | 848 |
| Total domestic deposits to total assets | 87.7381% | 2,207 |
| Equity capital to assets | 8.4928% | 6,303 |
| Core capital (leverage) ratio | 8.3046% | 5,970 |
| Tier 1 risk-based capital ratio | 12.8655% | 5,194 |
| Total risk-based capital ratio | 14.1241% | 5,165 |
| Memoranda: | ||
| Average total assets | $175,507,000 | 3,423 |
| Average earning assets | $161,177,750 | 3,402 |
| Average equity | $13,507,500 | 4,237 |
| Average total loans | $118,964,500 | 3,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1368% | 364 |
| Cost of funding earning assets | 1.7678% | 356 |
| Net interest margin | 4.3690% | 1,466 |
| Noninterest income to average assets | 0.4639% | 4,155 |
| Noninterest expense to average assets | 2.7085% | 4,790 |
| Loan and lease loss provision to assets | 0.4524% | 2,154 |
| Net operating income to assets | 1.3181% | 1,276 |
| Return on assets (ROA) | 1.3801% | 1,195 |
| Pretax return on assets | 1.3801% | 1,859 |
| Return on Equity (ROE) | 18.5929% | 415 |
| Retained earnings to average equity (ytd only) | 13.6585% | 343 |
| Net charge-offs to loans | 0.2533% | 3,616 |
| Credit loss provision to net charge-offs | 262.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 10.2800% | 1,829 |
| Efficiency ratio | 60.4717% | 5,806 |
| Assets per employee ($millions) | 3.9857% | 3,780 |
| Cash dividends to net income (ytd only)* | 26.5391% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 2,989 |
| Loan loss allowance to noncurrent loans | 634.2105% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 6,233 |
| Noncurrent loans to loans | 0.2840% | 6,354 |
| Net loans and leases to total assets | 65.9324% | 3,041 |
| Net loans and leases to deposits | 74.2673% | 3,758 |
| Net loans and leases to core deposits | 107.0336% | 863 |
| Total domestic deposits to total assets | 88.7772% | 1,680 |
| Equity capital to assets | 7.9043% | 6,741 |
| Core capital (leverage) ratio | 8.0481% | 6,243 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,395 |
| Total risk-based capital ratio | 13.7070% | 5,365 |
| Memoranda: | ||
| Average total assets | $174,190,000 | 3,463 |
| Average earning assets | $160,083,000 | 3,443 |
| Average equity | $12,929,670 | 4,358 |
| Average total loans | $118,415,670 | 3,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1656% | 349 |
| Cost of funding earning assets | 1.8614% | 299 |
| Net interest margin | 4.3042% | 1,555 |
| Noninterest income to average assets | 0.4522% | 4,262 |
| Noninterest expense to average assets | 2.6806% | 4,914 |
| Loan and lease loss provision to assets | 0.4848% | 1,815 |
| Net operating income to assets | 1.2377% | 1,431 |
| Return on assets (ROA) | 1.3636% | 1,180 |
| Pretax return on assets | 1.3636% | 1,833 |
| Return on Equity (ROE) | 19.0151% | 399 |
| Retained earnings to average equity (ytd only) | 13.8144% | 492 |
| Net charge-offs to loans | 0.3918% | 2,510 |
| Credit loss provision to net charge-offs | 180.8696% | 1,618 |
| Earnings coverage of net charge-offs (x) | 6.4261% | 2,103 |
| Efficiency ratio | 60.8788% | 5,849 |
| Assets per employee ($millions) | 3.9547% | 3,935 |
| Cash dividends to net income (ytd only)* | 27.3504% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 3,329 |
| Loan loss allowance to noncurrent loans | 477.0686% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 6,255 |
| Noncurrent loans to loans | 0.3572% | 6,273 |
| Net loans and leases to total assets | 66.8990% | 2,786 |
| Net loans and leases to deposits | 74.7385% | 3,643 |
| Net loans and leases to core deposits | 108.3519% | 825 |
| Total domestic deposits to total assets | 89.5108% | 1,476 |
| Equity capital to assets | 7.2049% | 7,009 |
| Core capital (leverage) ratio | 8.0097% | 6,247 |
| Tier 1 risk-based capital ratio | 12.1892% | 5,521 |
| Total risk-based capital ratio | 13.4456% | 5,509 |
| Memoranda: | ||
| Average total assets | $171,606,000 | 3,526 |
| Average earning assets | $157,519,500 | 3,512 |
| Average equity | $12,306,000 | 4,482 |
| Average total loans | $117,411,500 | 3,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4698% | 335 |
| Cost of funding earning assets | 2.3422% | 186 |
| Net interest margin | 4.1276% | 2,454 |
| Noninterest income to average assets | 0.5298% | 3,957 |
| Noninterest expense to average assets | 2.6683% | 5,134 |
| Loan and lease loss provision to assets | 0.6725% | 2,455 |
| Net operating income to assets | 0.9740% | 2,127 |
| Return on assets (ROA) | 0.9889% | 2,184 |
| Pretax return on assets | 0.9889% | 2,966 |
| Return on Equity (ROE) | 12.2157% | 1,274 |
| Retained earnings to average equity (ytd only) | 3.0961% | 3,691 |
| Net charge-offs to loans | 0.3440% | 4,293 |
| Credit loss provision to net charge-offs | 273.7374% | 999 |
| Earnings coverage of net charge-offs (x) | 6.7020% | 2,300 |
| Efficiency ratio | 61.8404% | 5,752 |
| Assets per employee ($millions) | 3.8456% | 4,140 |
| Cash dividends to net income (ytd only)* | 74.6550% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,383 |
| Loan loss allowance to noncurrent loans | 251.3055% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,952 |
| Noncurrent loans to loans | 0.6581% | 5,736 |
| Net loans and leases to total assets | 67.6523% | 3,067 |
| Net loans and leases to deposits | 76.9274% | 3,695 |
| Net loans and leases to core deposits | 109.0813% | 981 |
| Total domestic deposits to total assets | 87.9430% | 2,283 |
| Equity capital to assets | 7.1363% | 7,069 |
| Core capital (leverage) ratio | 8.0898% | 6,039 |
| Tier 1 risk-based capital ratio | 12.1124% | 5,372 |
| Total risk-based capital ratio | 13.3688% | 5,347 |
| Memoranda: | ||
| Average total assets | $161,189,800 | 3,675 |
| Average earning assets | $147,809,600 | 3,665 |
| Average equity | $13,048,800 | 4,352 |
| Average total loans | $115,124,200 | 3,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3895% | 422 |
| Cost of funding earning assets | 2.4243% | 185 |
| Net interest margin | 3.9651% | 3,263 |
| Noninterest income to average assets | 0.5302% | 3,941 |
| Noninterest expense to average assets | 2.6040% | 5,313 |
| Loan and lease loss provision to assets | 0.6282% | 2,423 |
| Net operating income to assets | 0.9364% | 2,469 |
| Return on assets (ROA) | 0.9398% | 2,585 |
| Pretax return on assets | 0.9398% | 3,410 |
| Return on Equity (ROE) | 11.2544% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.1889% | 2,268 |
| Net charge-offs to loans | 0.3472% | 3,920 |
| Credit loss provision to net charge-offs | 250.8361% | 1,324 |
| Earnings coverage of net charge-offs (x) | 6.2474% | 2,562 |
| Efficiency ratio | 62.4673% | 5,530 |
| Assets per employee ($millions) | 3.8560% | 4,129 |
| Cash dividends to net income (ytd only)* | 45.0092% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,089 |
| Loan loss allowance to noncurrent loans | 76.6576% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 4,317 |
| Noncurrent loans to loans | 1.9208% | 3,778 |
| Net loans and leases to total assets | 68.1228% | 3,180 |
| Net loans and leases to deposits | 78.6822% | 3,691 |
| Net loans and leases to core deposits | 113.1930% | 879 |
| Total domestic deposits to total assets | 86.5797% | 2,769 |
| Equity capital to assets | 8.3711% | 6,427 |
| Core capital (leverage) ratio | 8.2952% | 5,878 |
| Tier 1 risk-based capital ratio | 12.6854% | 4,827 |
| Total risk-based capital ratio | 13.9391% | 4,806 |
| Memoranda: | ||
| Average total assets | $159,186,000 | 3,772 |
| Average earning assets | $146,070,250 | 3,748 |
| Average equity | $13,292,250 | 4,370 |
| Average total loans | $114,806,250 | 3,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4079% | 405 |
| Cost of funding earning assets | 2.4812% | 188 |
| Net interest margin | 3.9267% | 3,331 |
| Noninterest income to average assets | 0.5313% | 3,865 |
| Noninterest expense to average assets | 2.5430% | 5,551 |
| Loan and lease loss provision to assets | 0.6510% | 2,210 |
| Net operating income to assets | 0.9403% | 2,403 |
| Return on assets (ROA) | 0.9454% | 2,476 |
| Pretax return on assets | 0.9454% | 3,329 |
| Return on Equity (ROE) | 11.3314% | 1,639 |
| Retained earnings to average equity (ytd only) | 6.5209% | 2,065 |
| Net charge-offs to loans | 0.2124% | 4,337 |
| Credit loss provision to net charge-offs | 418.8525% | 872 |
| Earnings coverage of net charge-offs (x) | 10.2377% | 1,917 |
| Efficiency ratio | 61.5100% | 5,766 |
| Assets per employee ($millions) | 4.0659% | 3,640 |
| Cash dividends to net income (ytd only)* | 42.4528% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,399 |
| Loan loss allowance to noncurrent loans | 68.9567% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.5673% | 4,110 |
| Noncurrent loans to loans | 2.0365% | 3,673 |
| Net loans and leases to total assets | 70.1940% | 2,860 |
| Net loans and leases to deposits | 82.4022% | 3,199 |
| Net loans and leases to core deposits | 115.1991% | 874 |
| Total domestic deposits to total assets | 85.1846% | 3,528 |
| Equity capital to assets | 8.3758% | 6,325 |
| Core capital (leverage) ratio | 8.4297% | 5,531 |
| Tier 1 risk-based capital ratio | 12.5075% | 4,853 |
| Total risk-based capital ratio | 13.7610% | 4,823 |
| Memoranda: | ||
| Average total assets | $156,978,670 | 3,845 |
| Average earning assets | $144,041,000 | 3,816 |
| Average equity | $13,096,330 | 4,414 |
| Average total loans | $114,861,330 | 3,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2784% | 549 |
| Cost of funding earning assets | 2.5283% | 210 |
| Net interest margin | 3.7501% | 4,011 |
| Noninterest income to average assets | 0.5294% | 3,820 |
| Noninterest expense to average assets | 2.5611% | 5,512 |
| Loan and lease loss provision to assets | 0.5787% | 2,180 |
| Net operating income to assets | 0.8381% | 2,802 |
| Return on assets (ROA) | 0.8381% | 2,901 |
| Pretax return on assets | 0.8381% | 3,715 |
| Return on Equity (ROE) | 10.0674% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.2051% | 3,040 |
| Net charge-offs to loans | 0.1469% | 4,052 |
| Credit loss provision to net charge-offs | 530.9524% | 798 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,525 |
| Efficiency ratio | 64.3836% | 5,414 |
| Assets per employee ($millions) | 4.0490% | 3,759 |
| Cash dividends to net income (ytd only)* | 48.2972% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,302 |
| Loan loss allowance to noncurrent loans | 62.8268% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6136% | 4,069 |
| Noncurrent loans to loans | 1.9670% | 3,834 |
| Net loans and leases to total assets | 71.7670% | 2,510 |
| Net loans and leases to deposits | 84.8740% | 2,788 |
| Net loans and leases to core deposits | 118.8149% | 832 |
| Total domestic deposits to total assets | 84.5571% | 3,869 |
| Equity capital to assets | 8.3104% | 6,286 |
| Core capital (leverage) ratio | 8.6191% | 5,176 |
| Tier 1 risk-based capital ratio | 12.5540% | 4,690 |
| Total risk-based capital ratio | 13.8055% | 4,657 |
| Memoranda: | ||
| Average total assets | $154,150,500 | 3,945 |
| Average earning assets | $141,755,000 | 3,927 |
| Average equity | $12,833,500 | 4,514 |
| Average total loans | $114,399,000 | 3,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8322% | 360 |
| Cost of funding earning assets | 2.9546% | 258 |
| Net interest margin | 3.8776% | 3,361 |
| Noninterest income to average assets | 0.7376% | 2,748 |
| Noninterest expense to average assets | 2.8077% | 4,954 |
| Loan and lease loss provision to assets | 0.7278% | 2,928 |
| Net operating income to assets | 0.7684% | 2,644 |
| Return on assets (ROA) | 0.7796% | 2,697 |
| Pretax return on assets | 0.7796% | 3,304 |
| Return on Equity (ROE) | 10.0647% | 1,669 |
| Retained earnings to average equity (ytd only) | 3.5687% | 2,681 |
| Net charge-offs to loans | 0.6275% | 3,325 |
| Credit loss provision to net charge-offs | 147.3088% | 3,194 |
| Earnings coverage of net charge-offs (x) | 3.0283% | 3,562 |
| Efficiency ratio | 65.2358% | 5,548 |
| Assets per employee ($millions) | 3.8562% | 4,129 |
| Cash dividends to net income (ytd only)* | 64.5422% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 5,972 |
| Loan loss allowance to noncurrent loans | 167.1622% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 5,528 |
| Noncurrent loans to loans | 0.6488% | 5,937 |
| Net loans and leases to total assets | 75.0150% | 2,028 |
| Net loans and leases to deposits | 89.8173% | 2,241 |
| Net loans and leases to core deposits | 120.0952% | 1,944 |
| Total domestic deposits to total assets | 83.5195% | 4,270 |
| Equity capital to assets | 8.3410% | 6,143 |
| Core capital (leverage) ratio | 8.7675% | 4,813 |
| Tier 1 risk-based capital ratio | 12.6879% | 4,375 |
| Total risk-based capital ratio | 13.8874% | 4,350 |
| Memoranda: | ||
| Average total assets | $142,891,200 | 4,057 |
| Average earning assets | $131,421,600 | 4,057 |
| Average equity | $11,068,400 | 5,006 |
| Average total loans | $112,511,400 | 3,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8478% | 389 |
| Cost of funding earning assets | 3.0117% | 321 |
| Net interest margin | 3.8361% | 3,496 |
| Noninterest income to average assets | 0.7479% | 2,723 |
| Noninterest expense to average assets | 2.8526% | 4,655 |
| Loan and lease loss provision to assets | 0.5900% | 3,025 |
| Net operating income to assets | 0.8339% | 2,683 |
| Return on assets (ROA) | 0.8339% | 2,741 |
| Pretax return on assets | 0.8339% | 3,427 |
| Return on Equity (ROE) | 10.9909% | 1,622 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,193 |
| Net charge-offs to loans | 0.1891% | 4,883 |
| Credit loss provision to net charge-offs | 392.4528% | 1,022 |
| Earnings coverage of net charge-offs (x) | 9.4719% | 2,105 |
| Efficiency ratio | 66.7035% | 5,244 |
| Assets per employee ($millions) | 3.8014% | 4,186 |
| Cash dividends to net income (ytd only)* | 28.9115% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 5,028 |
| Loan loss allowance to noncurrent loans | 324.9406% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 6,295 |
| Noncurrent loans to loans | 0.3739% | 6,598 |
| Net loans and leases to total assets | 75.0184% | 2,242 |
| Net loans and leases to deposits | 91.8640% | 2,253 |
| Net loans and leases to core deposits | 120.1943% | 2,224 |
| Total domestic deposits to total assets | 81.6624% | 4,816 |
| Equity capital to assets | 8.9590% | 5,538 |
| Core capital (leverage) ratio | 9.1211% | 4,459 |
| Tier 1 risk-based capital ratio | 13.1191% | 4,110 |
| Total risk-based capital ratio | 14.3702% | 4,045 |
| Memoranda: | ||
| Average total assets | $141,016,500 | 4,117 |
| Average earning assets | $129,711,500 | 4,108 |
| Average equity | $10,699,500 | 5,143 |
| Average total loans | $112,126,250 | 3,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8436% | 415 |
| Cost of funding earning assets | 3.0836% | 369 |
| Net interest margin | 3.7600% | 3,714 |
| Noninterest income to average assets | 0.7186% | 2,875 |
| Noninterest expense to average assets | 2.8859% | 4,552 |
| Loan and lease loss provision to assets | 0.4170% | 3,450 |
| Net operating income to assets | 0.8730% | 2,563 |
| Return on assets (ROA) | 0.8730% | 2,667 |
| Pretax return on assets | 0.8730% | 3,432 |
| Return on Equity (ROE) | 12.2984% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.1148% | 1,540 |
| Net charge-offs to loans | 0.0768% | 5,438 |
| Credit loss provision to net charge-offs | 672.0930% | 692 |
| Earnings coverage of net charge-offs (x) | 20.7907% | 1,295 |
| Efficiency ratio | 69.1085% | 4,955 |
| Assets per employee ($millions) | 3.8560% | 3,970 |
| Cash dividends to net income (ytd only)* | 42.1488% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,058 |
| Loan loss allowance to noncurrent loans | 127.9510% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 5,278 |
| Noncurrent loans to loans | 0.8000% | 5,632 |
| Net loans and leases to total assets | 77.8730% | 1,772 |
| Net loans and leases to deposits | 93.4589% | 2,181 |
| Net loans and leases to core deposits | 116.6681% | 2,650 |
| Total domestic deposits to total assets | 83.3233% | 4,100 |
| Equity capital to assets | 6.9397% | 7,641 |
| Core capital (leverage) ratio | 7.1633% | 7,393 |
| Tier 1 risk-based capital ratio | 9.9780% | 6,951 |
| Total risk-based capital ratio | 11.1212% | 6,999 |
| Memoranda: | ||
| Average total assets | $138,604,330 | 4,201 |
| Average earning assets | $127,448,000 | 4,192 |
| Average equity | $9,838,670 | 5,411 |
| Average total loans | $111,973,330 | 3,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8606% | 436 |
| Cost of funding earning assets | 3.1738% | 371 |
| Net interest margin | 3.6868% | 3,952 |
| Noninterest income to average assets | 0.6766% | 3,025 |
| Noninterest expense to average assets | 2.8674% | 4,270 |
| Loan and lease loss provision to assets | 0.3603% | 3,157 |
| Net operating income to assets | 0.8377% | 2,960 |
| Return on assets (ROA) | 0.8377% | 3,110 |
| Pretax return on assets | 0.8377% | 3,938 |
| Return on Equity (ROE) | 11.6645% | 1,769 |
| Retained earnings to average equity (ytd only) | 7.4637% | 2,037 |
| Net charge-offs to loans | 0.0465% | 4,829 |
| Credit loss provision to net charge-offs | 946.1538% | 662 |
| Earnings coverage of net charge-offs (x) | 31.4615% | 1,022 |
| Efficiency ratio | 70.5331% | 4,469 |
| Assets per employee ($millions) | 3.7527% | 4,222 |
| Cash dividends to net income (ytd only)* | 36.0140% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,741 |
| Loan loss allowance to noncurrent loans | 94.7615% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 4,828 |
| Noncurrent loans to loans | 0.9518% | 5,095 |
| Net loans and leases to total assets | 80.1622% | 1,352 |
| Net loans and leases to deposits | 96.4056% | 1,886 |
| Net loans and leases to core deposits | 119.0451% | 2,503 |
| Total domestic deposits to total assets | 83.1510% | 4,068 |
| Equity capital to assets | 7.0954% | 7,626 |
| Core capital (leverage) ratio | 7.1835% | 7,497 |
| Tier 1 risk-based capital ratio | 9.8170% | 7,125 |
| Total risk-based capital ratio | 10.8254% | 7,299 |
| Memoranda: | ||
| Average total assets | $136,570,500 | 4,265 |
| Average earning assets | $125,527,500 | 4,253 |
| Average equity | $9,807,500 | 5,448 |
| Average total loans | $111,834,000 | 3,745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4041% | 486 |
| Cost of funding earning assets | 3.6770% | 289 |
| Net interest margin | 3.7271% | 4,350 |
| Noninterest income to average assets | 0.7742% | 2,647 |
| Noninterest expense to average assets | 2.8096% | 4,781 |
| Loan and lease loss provision to assets | 0.4911% | 2,853 |
| Net operating income to assets | 0.8762% | 3,109 |
| Return on assets (ROA) | 0.8256% | 3,170 |
| Pretax return on assets | 0.8256% | 3,975 |
| Return on Equity (ROE) | 10.9344% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.0831% | 1,494 |
| Net charge-offs to loans | 0.5493% | 2,180 |
| Credit loss provision to net charge-offs | 110.2564% | 4,889 |
| Earnings coverage of net charge-offs (x) | 3.0696% | 4,552 |
| Efficiency ratio | 67.2656% | 4,860 |
| Assets per employee ($millions) | 3.7303% | 4,103 |
| Cash dividends to net income (ytd only)* | 44.3676% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 7,059 |
| Loan loss allowance to noncurrent loans | 98.6885% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 4,671 |
| Noncurrent loans to loans | 0.8217% | 4,995 |
| Net loans and leases to total assets | 82.2444% | 1,183 |
| Net loans and leases to deposits | 99.7408% | 1,856 |
| Net loans and leases to core deposits | 124.9050% | 2,260 |
| Total domestic deposits to total assets | 82.4581% | 4,014 |
| Equity capital to assets | 7.2701% | 7,580 |
| Core capital (leverage) ratio | 7.3166% | 7,396 |
| Tier 1 risk-based capital ratio | 9.6370% | 7,161 |
| Total risk-based capital ratio | 10.5361% | 7,460 |
| Memoranda: | ||
| Average total assets | $122,580,200 | 4,458 |
| Average earning assets | $111,911,200 | 4,478 |
| Average equity | $9,255,200 | 5,649 |
| Average total loans | $99,396,400 | 3,967 |