Home > First Trust and Savings Bank > Performance and Condition Ratios
First Trust and Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2159% | 927 |
| Cost of funding earning assets | 2.4378% | 962 |
| Net interest margin | 3.7781% | 1,724 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 2.4057% | 2,566 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 1.2267% | 1,667 |
| Return on assets (ROA) | 1.2157% | 1,696 |
| Pretax return on assets | 1.2716% | 2,052 |
| Return on Equity (ROE) | 11.9800% | 1,754 |
| Retained earnings to average equity (ytd only) | 9.5346% | 1,294 |
| Net charge-offs to loans | 0.0096% | 1,894 |
| Credit loss provision to net charge-offs | 2,000.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 169.1667% | 480 |
| Efficiency ratio | 62.3097% | 2,680 |
| Assets per employee ($millions) | 6.0082% | 2,926 |
| Cash dividends to net income (ytd only)* | 20.4009% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,248 |
| Loan loss allowance to noncurrent loans | 61.7984% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 313 |
| Noncurrent loans to loans | 1.9235% | 452 |
| Net loans and leases to total assets | 88.8100% | 53 |
| Net loans and leases to deposits | 108.9406% | 171 |
| Net loans and leases to core deposits | 121.2126% | 514 |
| Total domestic deposits to total assets | 81.5200% | 3,396 |
| Equity capital to assets | 10.1669% | 2,117 |
| Core capital (leverage) ratio | 10.5478% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $279,008,500 | 2,583 |
| Average earning assets | $264,997,500 | 2,549 |
| Average equity | $28,318,000 | 2,515 |
| Average total loans | $250,917,500 | 2,115 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2134% | 1,010 |
| Cost of funding earning assets | 2.4730% | 1,206 |
| Net interest margin | 3.7405% | 1,607 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 2.3923% | 2,598 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.2515% | 1,392 |
| Return on assets (ROA) | 1.2515% | 1,402 |
| Pretax return on assets | 1.3093% | 1,728 |
| Return on Equity (ROE) | 12.3400% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.6334% | 907 |
| Net charge-offs to loans | 0.0799% | 1,345 |
| Credit loss provision to net charge-offs | 195.2632% | 1,156 |
| Earnings coverage of net charge-offs (x) | 20.2474% | 1,824 |
| Efficiency ratio | 62.2028% | 2,927 |
| Assets per employee ($millions) | 6.4100% | 2,569 |
| Cash dividends to net income (ytd only)* | 30.0121% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,319 |
| Loan loss allowance to noncurrent loans | 80.0386% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 465 |
| Noncurrent loans to loans | 1.4623% | 660 |
| Net loans and leases to total assets | 88.9300% | 56 |
| Net loans and leases to deposits | 105.0659% | 283 |
| Net loans and leases to core deposits | 117.5045% | 679 |
| Total domestic deposits to total assets | 84.6400% | 2,630 |
| Equity capital to assets | 10.1317% | 2,045 |
| Core capital (leverage) ratio | 10.5318% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $264,636,000 | 2,626 |
| Average earning assets | $251,359,600 | 2,585 |
| Average equity | $26,849,200 | 2,533 |
| Average total loans | $237,742,400 | 2,141 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2345% | 963 |
| Cost of funding earning assets | 2.4921% | 1,184 |
| Net interest margin | 3.7424% | 1,560 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 2.3714% | 2,604 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.2998% | 1,308 |
| Return on assets (ROA) | 1.2998% | 1,305 |
| Pretax return on assets | 1.3573% | 1,626 |
| Return on Equity (ROE) | 12.8100% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.8202% | 1,444 |
| Net charge-offs to loans | 0.0346% | 1,633 |
| Credit loss provision to net charge-offs | 301.6393% | 844 |
| Earnings coverage of net charge-offs (x) | 46.9016% | 1,241 |
| Efficiency ratio | 61.9497% | 2,939 |
| Assets per employee ($millions) | 6.2383% | 2,697 |
| Cash dividends to net income (ytd only)* | 38.9346% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,381 |
| Loan loss allowance to noncurrent loans | 70.2990% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 353 |
| Noncurrent loans to loans | 1.6628% | 533 |
| Net loans and leases to total assets | 87.6300% | 81 |
| Net loans and leases to deposits | 107.8825% | 212 |
| Net loans and leases to core deposits | 121.9031% | 556 |
| Total domestic deposits to total assets | 81.2300% | 3,254 |
| Equity capital to assets | 10.0067% | 2,292 |
| Core capital (leverage) ratio | 10.4431% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $261,887,500 | 2,636 |
| Average earning assets | $248,569,250 | 2,598 |
| Average equity | $26,580,000 | 2,539 |
| Average total loans | $235,171,000 | 2,151 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1389% | 987 |
| Cost of funding earning assets | 2.4591% | 1,153 |
| Net interest margin | 3.6798% | 1,640 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.3602% | 2,629 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.2744% | 1,313 |
| Return on assets (ROA) | 1.2744% | 1,319 |
| Pretax return on assets | 1.3326% | 1,616 |
| Return on Equity (ROE) | 12.4900% | 1,489 |
| Retained earnings to average equity (ytd only) | 6.8482% | 1,697 |
| Net charge-offs to loans | 0.0551% | 1,227 |
| Credit loss provision to net charge-offs | 185.9375% | 1,074 |
| Earnings coverage of net charge-offs (x) | 28.8594% | 1,418 |
| Efficiency ratio | 62.2136% | 2,970 |
| Assets per employee ($millions) | 6.1122% | 2,703 |
| Cash dividends to net income (ytd only)* | 45.1888% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,398 |
| Loan loss allowance to noncurrent loans | 64.7772% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 287 |
| Noncurrent loans to loans | 1.8058% | 435 |
| Net loans and leases to total assets | 89.2700% | 43 |
| Net loans and leases to deposits | 108.9723% | 236 |
| Net loans and leases to core deposits | 124.6356% | 515 |
| Total domestic deposits to total assets | 81.9200% | 3,100 |
| Equity capital to assets | 10.1056% | 2,008 |
| Core capital (leverage) ratio | 10.3917% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $257,688,000 | 2,656 |
| Average earning assets | $245,288,333 | 2,617 |
| Average equity | $26,284,333 | 2,531 |
| Average total loans | $232,433,667 | 2,157 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0103% | 1,046 |
| Cost of funding earning assets | 2.3461% | 1,258 |
| Net interest margin | 3.6642% | 1,611 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 2.3550% | 2,641 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.2684% | 1,293 |
| Return on assets (ROA) | 1.2684% | 1,305 |
| Pretax return on assets | 1.3280% | 1,575 |
| Return on Equity (ROE) | 12.3800% | 1,465 |
| Retained earnings to average equity (ytd only) | 8.6742% | 1,385 |
| Net charge-offs to loans | 0.0626% | 942 |
| Credit loss provision to net charge-offs | 177.7778% | 863 |
| Earnings coverage of net charge-offs (x) | 25.3056% | 1,240 |
| Efficiency ratio | 62.2462% | 3,008 |
| Assets per employee ($millions) | 6.5240% | 2,434 |
| Cash dividends to net income (ytd only)* | 29.9135% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,430 |
| Loan loss allowance to noncurrent loans | 114.0606% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 650 |
| Noncurrent loans to loans | 1.0265% | 841 |
| Net loans and leases to total assets | 88.9500% | 53 |
| Net loans and leases to deposits | 110.7960% | 175 |
| Net loans and leases to core deposits | 126.3725% | 475 |
| Total domestic deposits to total assets | 80.2800% | 3,482 |
| Equity capital to assets | 10.1150% | 1,939 |
| Core capital (leverage) ratio | 10.5281% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $255,119,500 | 2,670 |
| Average earning assets | $242,782,500 | 2,636 |
| Average equity | $26,146,500 | 2,540 |
| Average total loans | $229,950,000 | 2,168 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 1,403 |
| Cost of funding earning assets | 1.6728% | 1,512 |
| Net interest margin | 3.6751% | 1,803 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.4127% | 2,552 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.1436% | 1,800 |
| Return on assets (ROA) | 1.1436% | 1,771 |
| Pretax return on assets | 1.2012% | 2,135 |
| Return on Equity (ROE) | 11.2100% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.1867% | 1,484 |
| Net charge-offs to loans | 0.0723% | 1,134 |
| Credit loss provision to net charge-offs | 270.9677% | 1,015 |
| Earnings coverage of net charge-offs (x) | 21.4194% | 1,837 |
| Efficiency ratio | 63.6960% | 2,641 |
| Assets per employee ($millions) | 6.2320% | 2,605 |
| Cash dividends to net income (ytd only)* | 26.9468% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,242 |
| Loan loss allowance to noncurrent loans | 103.1842% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 450 |
| Noncurrent loans to loans | 1.1723% | 616 |
| Net loans and leases to total assets | 89.1800% | 49 |
| Net loans and leases to deposits | 108.4065% | 233 |
| Net loans and leases to core deposits | 120.4374% | 608 |
| Total domestic deposits to total assets | 82.2600% | 3,075 |
| Equity capital to assets | 10.3887% | 1,789 |
| Core capital (leverage) ratio | 10.7762% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $241,434,600 | 2,727 |
| Average earning assets | $228,481,000 | 2,693 |
| Average equity | $24,637,600 | 2,541 |
| Average total loans | $214,302,800 | 2,197 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 1,404 |
| Cost of funding earning assets | 1.5375% | 1,513 |
| Net interest margin | 3.6898% | 1,799 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4136% | 2,482 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.1319% | 1,961 |
| Return on assets (ROA) | 1.1319% | 1,939 |
| Pretax return on assets | 1.1920% | 2,316 |
| Return on Equity (ROE) | 11.1400% | 2,341 |
| Retained earnings to average equity (ytd only) | 7.0659% | 2,258 |
| Net charge-offs to loans | 0.0901% | 848 |
| Credit loss provision to net charge-offs | 220.2797% | 1,062 |
| Earnings coverage of net charge-offs (x) | 17.1748% | 1,908 |
| Efficiency ratio | 63.8345% | 2,514 |
| Assets per employee ($millions) | 5.9663% | 2,792 |
| Cash dividends to net income (ytd only)* | 36.5962% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,374 |
| Loan loss allowance to noncurrent loans | 100.3435% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 463 |
| Noncurrent loans to loans | 1.1942% | 656 |
| Net loans and leases to total assets | 88.6200% | 63 |
| Net loans and leases to deposits | 109.5953% | 210 |
| Net loans and leases to core deposits | 119.3388% | 568 |
| Total domestic deposits to total assets | 80.8600% | 3,408 |
| Equity capital to assets | 10.0887% | 1,776 |
| Core capital (leverage) ratio | 10.5813% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,473,000 | 2,748 |
| Average earning assets | $226,422,250 | 2,712 |
| Average equity | $24,322,750 | 2,548 |
| Average total loans | $211,621,250 | 2,217 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 1,429 |
| Cost of funding earning assets | 1.3951% | 1,459 |
| Net interest margin | 3.6699% | 1,879 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4100% | 2,450 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1163% | 2,074 |
| Return on assets (ROA) | 1.1163% | 2,068 |
| Pretax return on assets | 1.1760% | 2,428 |
| Return on Equity (ROE) | 10.9700% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.8171% | 2,349 |
| Net charge-offs to loans | 0.0622% | 929 |
| Credit loss provision to net charge-offs | 323.0769% | 824 |
| Earnings coverage of net charge-offs (x) | 24.7385% | 1,642 |
| Efficiency ratio | 64.0510% | 2,484 |
| Assets per employee ($millions) | 5.9400% | 2,763 |
| Cash dividends to net income (ytd only)* | 37.8297% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,432 |
| Loan loss allowance to noncurrent loans | 78.2086% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 275 |
| Noncurrent loans to loans | 1.5358% | 425 |
| Net loans and leases to total assets | 87.8800% | 84 |
| Net loans and leases to deposits | 104.7422% | 345 |
| Net loans and leases to core deposits | 113.4472% | 699 |
| Total domestic deposits to total assets | 83.9000% | 2,846 |
| Equity capital to assets | 10.0563% | 1,822 |
| Core capital (leverage) ratio | 10.5923% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,757,333 | 2,767 |
| Average earning assets | $224,641,000 | 2,735 |
| Average equity | $24,204,000 | 2,559 |
| Average total loans | $209,027,667 | 2,228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 1,434 |
| Cost of funding earning assets | 1.1686% | 1,537 |
| Net interest margin | 3.7200% | 1,851 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3997% | 2,530 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.1785% | 1,996 |
| Return on assets (ROA) | 1.1785% | 1,955 |
| Pretax return on assets | 1.2399% | 2,333 |
| Return on Equity (ROE) | 11.5000% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.5043% | 1,360 |
| Net charge-offs to loans | -0.0604% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8457% | 2,589 |
| Assets per employee ($millions) | 5.8743% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,285 |
| Loan loss allowance to noncurrent loans | 85.2400% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 274 |
| Noncurrent loans to loans | 1.4677% | 442 |
| Net loans and leases to total assets | 87.1000% | 103 |
| Net loans and leases to deposits | 102.3310% | 350 |
| Net loans and leases to core deposits | 111.1960% | 663 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 10.4094% | 1,610 |
| Core capital (leverage) ratio | 10.5878% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $234,867,000 | 2,820 |
| Average earning assets | $222,152,000 | 2,784 |
| Average equity | $24,060,500 | 2,596 |
| Average total loans | $205,228,000 | 2,268 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 1,870 |
| Cost of funding earning assets | 0.5793% | 980 |
| Net interest margin | 3.3666% | 2,357 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.4636% | 2,226 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.7923% | 3,352 |
| Return on assets (ROA) | 0.7923% | 3,286 |
| Pretax return on assets | 0.8352% | 3,534 |
| Return on Equity (ROE) | 8.2100% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.5279% | 2,819 |
| Net charge-offs to loans | 0.0379% | 1,338 |
| Credit loss provision to net charge-offs | 636.9863% | 574 |
| Earnings coverage of net charge-offs (x) | 33.5753% | 1,621 |
| Efficiency ratio | 70.5019% | 1,623 |
| Assets per employee ($millions) | 5.5896% | 3,134 |
| Cash dividends to net income (ytd only)* | 32.6964% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,341 |
| Loan loss allowance to noncurrent loans | 71.6535% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 223 |
| Noncurrent loans to loans | 1.6875% | 370 |
| Net loans and leases to total assets | 85.5100% | 183 |
| Net loans and leases to deposits | 100.7291% | 410 |
| Net loans and leases to core deposits | 104.7894% | 796 |
| Total domestic deposits to total assets | 84.8900% | 3,023 |
| Equity capital to assets | 10.0791% | 1,677 |
| Core capital (leverage) ratio | 10.4386% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,782,400 | 2,798 |
| Average earning assets | $224,913,000 | 2,773 |
| Average equity | $22,938,000 | 2,704 |
| Average total loans | $192,548,400 | 2,289 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,665 |
| Cost of funding earning assets | 0.5664% | 532 |
| Net interest margin | 3.2618% | 2,419 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.5220% | 1,949 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.6003% | 3,832 |
| Return on assets (ROA) | 0.6003% | 3,789 |
| Pretax return on assets | 0.6730% | 3,850 |
| Return on Equity (ROE) | 6.2900% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.6969% | 3,557 |
| Net charge-offs to loans | -0.0288% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6279% | 1,218 |
| Assets per employee ($millions) | 5.5935% | 3,133 |
| Cash dividends to net income (ytd only)* | 41.2477% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,390 |
| Loan loss allowance to noncurrent loans | 67.9398% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 219 |
| Noncurrent loans to loans | 1.8045% | 351 |
| Net loans and leases to total assets | 83.5700% | 278 |
| Net loans and leases to deposits | 93.6281% | 660 |
| Net loans and leases to core deposits | 98.2004% | 891 |
| Total domestic deposits to total assets | 89.2600% | 1,979 |
| Equity capital to assets | 9.6660% | 1,792 |
| Core capital (leverage) ratio | 9.8685% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $238,537,250 | 2,810 |
| Average earning assets | $226,208,500 | 2,784 |
| Average equity | $22,757,000 | 2,755 |
| Average total loans | $189,885,750 | 2,311 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 1,582 |
| Cost of funding earning assets | 0.5584% | 372 |
| Net interest margin | 3.1246% | 2,457 |
| Noninterest income to average assets | 0.2745% | 3,520 |
| Noninterest expense to average assets | 2.5936% | 1,653 |
| Loan and lease loss provision to assets | 0.1710% | 528 |
| Net operating income to assets | 0.4071% | 4,095 |
| Return on assets (ROA) | 0.4071% | 4,045 |
| Pretax return on assets | 0.4789% | 4,034 |
| Return on Equity (ROE) | 4.2857% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.0023% | 3,752 |
| Net charge-offs to loans | -0.0257% | 3,989 |
| Credit loss provision to net charge-offs | -854.1667% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9640% | 952 |
| Assets per employee ($millions) | 5.9293% | 2,809 |
| Cash dividends to net income (ytd only)* | 53.2787% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,523 |
| Loan loss allowance to noncurrent loans | 57.3070% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.6878% | 191 |
| Noncurrent loans to loans | 2.1484% | 298 |
| Net loans and leases to total assets | 77.5923% | 584 |
| Net loans and leases to deposits | 86.7750% | 925 |
| Net loans and leases to core deposits | 90.6738% | 1,081 |
| Total domestic deposits to total assets | 89.4179% | 1,992 |
| Equity capital to assets | 9.5390% | 1,987 |
| Core capital (leverage) ratio | 9.6443% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,740,667 | 2,831 |
| Average earning assets | $227,802,000 | 2,810 |
| Average equity | $22,773,333 | 2,835 |
| Average total loans | $186,922,000 | 2,331 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 1,752 |
| Cost of funding earning assets | 0.5815% | 292 |
| Net interest margin | 2.9353% | 2,722 |
| Noninterest income to average assets | 0.2755% | 3,491 |
| Noninterest expense to average assets | 2.9474% | 887 |
| Loan and lease loss provision to assets | 0.1660% | 473 |
| Net operating income to assets | -0.1178% | 4,610 |
| Return on assets (ROA) | -0.1178% | 4,593 |
| Pretax return on assets | -0.0481% | 4,544 |
| Return on Equity (ROE) | -1.2430% | 4,598 |
| Retained earnings to average equity (ytd only) | -1.2430% | 4,165 |
| Net charge-offs to loans | -0.0342% | 4,134 |
| Credit loss provision to net charge-offs | -625.0000% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1559% | 326 |
| Assets per employee ($millions) | 5.9593% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,052 |
| Loan loss allowance to noncurrent loans | 48.5638% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 162 |
| Noncurrent loans to loans | 2.3906% | 260 |
| Net loans and leases to total assets | 77.8942% | 382 |
| Net loans and leases to deposits | 90.5985% | 481 |
| Net loans and leases to core deposits | 96.0867% | 652 |
| Total domestic deposits to total assets | 85.9774% | 3,265 |
| Equity capital to assets | 9.4428% | 2,328 |
| Core capital (leverage) ratio | 9.5154% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,024,500 | 2,840 |
| Average earning assets | $229,072,500 | 2,817 |
| Average equity | $22,848,000 | 2,918 |
| Average total loans | $187,222,000 | 2,315 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 648 |
| Cost of funding earning assets | 0.7302% | 279 |
| Net interest margin | 3.7211% | 1,166 |
| Noninterest income to average assets | 0.3138% | 3,528 |
| Noninterest expense to average assets | 2.3625% | 2,613 |
| Loan and lease loss provision to assets | 0.1549% | 766 |
| Net operating income to assets | 1.2559% | 1,727 |
| Return on assets (ROA) | 1.2559% | 1,778 |
| Pretax return on assets | 1.3209% | 2,292 |
| Return on Equity (ROE) | 13.0415% | 1,452 |
| Retained earnings to average equity (ytd only) | 7.4772% | 1,731 |
| Net charge-offs to loans | 0.2110% | 447 |
| Credit loss provision to net charge-offs | 92.3077% | 1,863 |
| Earnings coverage of net charge-offs (x) | 8.7923% | 2,287 |
| Efficiency ratio | 61.5497% | 2,930 |
| Assets per employee ($millions) | 6.0919% | 2,677 |
| Cash dividends to net income (ytd only)* | 42.6662% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,329 |
| Loan loss allowance to noncurrent loans | 132.4567% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 1,020 |
| Noncurrent loans to loans | 0.8355% | 1,215 |
| Net loans and leases to total assets | 75.7232% | 534 |
| Net loans and leases to deposits | 88.1008% | 646 |
| Net loans and leases to core deposits | 93.6892% | 794 |
| Total domestic deposits to total assets | 85.9507% | 2,929 |
| Equity capital to assets | 9.5155% | 3,136 |
| Core capital (leverage) ratio | 9.5063% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,338,400 | 2,834 |
| Average earning assets | $220,068,000 | 2,811 |
| Average equity | $22,374,800 | 3,028 |
| Average total loans | $184,813,000 | 2,345 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 752 |
| Cost of funding earning assets | 0.7615% | 298 |
| Net interest margin | 3.6807% | 1,382 |
| Noninterest income to average assets | 0.3033% | 3,619 |
| Noninterest expense to average assets | 2.3790% | 2,508 |
| Loan and lease loss provision to assets | 0.1569% | 703 |
| Net operating income to assets | 1.1840% | 2,224 |
| Return on assets (ROA) | 1.1840% | 2,280 |
| Pretax return on assets | 1.2467% | 2,780 |
| Return on Equity (ROE) | 12.2555% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.5349% | 2,210 |
| Net charge-offs to loans | -0.0130% | 3,787 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8936% | 2,550 |
| Assets per employee ($millions) | 5.7436% | 2,945 |
| Cash dividends to net income (ytd only)* | 38.5182% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,514 |
| Loan loss allowance to noncurrent loans | 143.7538% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 1,059 |
| Noncurrent loans to loans | 0.9009% | 1,280 |
| Net loans and leases to total assets | 77.0964% | 470 |
| Net loans and leases to deposits | 90.0658% | 605 |
| Net loans and leases to core deposits | 95.5069% | 769 |
| Total domestic deposits to total assets | 85.6001% | 2,913 |
| Equity capital to assets | 9.6901% | 3,194 |
| Core capital (leverage) ratio | 9.5420% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,503,750 | 2,880 |
| Average earning assets | $216,944,500 | 2,856 |
| Average equity | $22,171,750 | 3,074 |
| Average total loans | $184,370,000 | 2,390 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 1,151 |
| Cost of funding earning assets | 0.7838% | 308 |
| Net interest margin | 3.4364% | 2,044 |
| Noninterest income to average assets | 0.3244% | 3,481 |
| Noninterest expense to average assets | 2.3436% | 2,634 |
| Loan and lease loss provision to assets | 0.1582% | 730 |
| Net operating income to assets | 1.0083% | 2,862 |
| Return on assets (ROA) | 1.0083% | 2,946 |
| Pretax return on assets | 1.0716% | 3,296 |
| Return on Equity (ROE) | 10.4482% | 2,602 |
| Retained earnings to average equity (ytd only) | 5.6659% | 2,935 |
| Net charge-offs to loans | -0.0065% | 3,515 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5843% | 2,212 |
| Assets per employee ($millions) | 5.7751% | 2,827 |
| Cash dividends to net income (ytd only)* | 45.7716% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,752 |
| Loan loss allowance to noncurrent loans | 393.2759% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 2,710 |
| Noncurrent loans to loans | 0.3141% | 2,798 |
| Net loans and leases to total assets | 77.0255% | 508 |
| Net loans and leases to deposits | 89.5636% | 673 |
| Net loans and leases to core deposits | 95.0951% | 853 |
| Total domestic deposits to total assets | 86.0009% | 2,741 |
| Equity capital to assets | 9.3682% | 3,453 |
| Core capital (leverage) ratio | 9.4428% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,509,333 | 2,892 |
| Average earning assets | $215,110,000 | 2,870 |
| Average equity | $21,956,000 | 3,091 |
| Average total loans | $184,515,333 | 2,400 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 755 |
| Cost of funding earning assets | 0.8275% | 309 |
| Net interest margin | 3.6916% | 1,349 |
| Noninterest income to average assets | 0.2979% | 3,624 |
| Noninterest expense to average assets | 2.3744% | 2,581 |
| Loan and lease loss provision to assets | 0.1615% | 781 |
| Net operating income to assets | 1.1881% | 2,197 |
| Return on assets (ROA) | 1.1881% | 2,264 |
| Pretax return on assets | 1.2527% | 2,692 |
| Return on Equity (ROE) | 12.1229% | 1,974 |
| Retained earnings to average equity (ytd only) | 12.1229% | 1,115 |
| Net charge-offs to loans | -0.0325% | 4,209 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6717% | 2,645 |
| Assets per employee ($millions) | 5.2759% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,108 |
| Loan loss allowance to noncurrent loans | 95.1536% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 724 |
| Noncurrent loans to loans | 1.2265% | 1,075 |
| Net loans and leases to total assets | 82.0867% | 224 |
| Net loans and leases to deposits | 96.1345% | 402 |
| Net loans and leases to core deposits | 101.8135% | 638 |
| Total domestic deposits to total assets | 85.3873% | 2,967 |
| Equity capital to assets | 9.7626% | 2,935 |
| Core capital (leverage) ratio | 9.8142% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,874,000 | 2,909 |
| Average earning assets | $210,750,500 | 2,886 |
| Average equity | $21,843,000 | 3,088 |
| Average total loans | $184,442,000 | 2,404 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 459 |
| Cost of funding earning assets | 1.1181% | 373 |
| Net interest margin | 3.9085% | 1,188 |
| Noninterest income to average assets | 0.2848% | 3,779 |
| Noninterest expense to average assets | 2.5216% | 2,781 |
| Loan and lease loss provision to assets | 0.1925% | 2,029 |
| Net operating income to assets | 1.1937% | 1,577 |
| Return on assets (ROA) | 1.1932% | 1,680 |
| Pretax return on assets | 1.2553% | 2,138 |
| Return on Equity (ROE) | 11.9245% | 1,342 |
| Retained earnings to average equity (ytd only) | 6.8518% | 1,446 |
| Net charge-offs to loans | 0.0619% | 1,893 |
| Credit loss provision to net charge-offs | 353.9823% | 1,571 |
| Earnings coverage of net charge-offs (x) | 26.6372% | 1,711 |
| Efficiency ratio | 63.5196% | 2,890 |
| Assets per employee ($millions) | 5.0903% | 3,292 |
| Cash dividends to net income (ytd only)* | 42.5403% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,158 |
| Loan loss allowance to noncurrent loans | 181.8576% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 1,973 |
| Noncurrent loans to loans | 0.6384% | 2,088 |
| Net loans and leases to total assets | 81.4883% | 329 |
| Net loans and leases to deposits | 95.7423% | 563 |
| Net loans and leases to core deposits | 100.9389% | 862 |
| Total domestic deposits to total assets | 85.1121% | 2,714 |
| Equity capital to assets | 9.8400% | 3,274 |
| Core capital (leverage) ratio | 9.6696% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,845,200 | 2,879 |
| Average earning assets | $195,957,000 | 2,865 |
| Average equity | $20,797,600 | 3,114 |
| Average total loans | $182,699,000 | 2,389 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 497 |
| Cost of funding earning assets | 1.1617% | 420 |
| Net interest margin | 3.9442% | 1,251 |
| Noninterest income to average assets | 0.2659% | 3,873 |
| Noninterest expense to average assets | 2.5303% | 2,744 |
| Loan and lease loss provision to assets | 0.1950% | 2,028 |
| Net operating income to assets | 1.1969% | 1,644 |
| Return on assets (ROA) | 1.1969% | 1,771 |
| Pretax return on assets | 1.2554% | 2,209 |
| Return on Equity (ROE) | 11.9083% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.7983% | 1,779 |
| Net charge-offs to loans | -0.0029% | 3,940 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5636% | 2,806 |
| Assets per employee ($millions) | 4.9623% | 3,297 |
| Cash dividends to net income (ytd only)* | 42.9115% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,034 |
| Loan loss allowance to noncurrent loans | 237.5703% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 2,502 |
| Noncurrent loans to loans | 0.4758% | 2,629 |
| Net loans and leases to total assets | 86.5690% | 127 |
| Net loans and leases to deposits | 102.0000% | 454 |
| Net loans and leases to core deposits | 107.6839% | 780 |
| Total domestic deposits to total assets | 84.8716% | 2,491 |
| Equity capital to assets | 9.9180% | 3,301 |
| Core capital (leverage) ratio | 9.9440% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,085,750 | 2,882 |
| Average earning assets | $193,155,750 | 2,869 |
| Average equity | $20,612,500 | 3,126 |
| Average total loans | $183,259,000 | 2,387 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 632 |
| Cost of funding earning assets | 1.2069% | 488 |
| Net interest margin | 3.9372% | 1,474 |
| Noninterest income to average assets | 0.2837% | 3,764 |
| Noninterest expense to average assets | 2.5801% | 2,733 |
| Loan and lease loss provision to assets | 0.1977% | 2,068 |
| Net operating income to assets | 1.1586% | 1,766 |
| Return on assets (ROA) | 1.1586% | 1,898 |
| Pretax return on assets | 1.2179% | 2,304 |
| Return on Equity (ROE) | 11.4739% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.3341% | 1,928 |
| Net charge-offs to loans | -0.0088% | 4,169 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5720% | 2,733 |
| Assets per employee ($millions) | 4.9816% | 3,191 |
| Cash dividends to net income (ytd only)* | 44.7952% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,252 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,292 |
| Noncurrent loans to loans | 0.5836% | 2,407 |
| Net loans and leases to total assets | 87.3684% | 82 |
| Net loans and leases to deposits | 104.4136% | 361 |
| Net loans and leases to core deposits | 113.1622% | 632 |
| Total domestic deposits to total assets | 83.6753% | 2,858 |
| Equity capital to assets | 9.6882% | 3,493 |
| Core capital (leverage) ratio | 9.8069% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,321,000 | 2,886 |
| Average earning assets | $190,743,000 | 2,867 |
| Average equity | $20,429,000 | 3,136 |
| Average total loans | $182,067,667 | 2,385 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 712 |
| Cost of funding earning assets | 1.3127% | 550 |
| Net interest margin | 3.8412% | 1,843 |
| Noninterest income to average assets | 0.3259% | 3,569 |
| Noninterest expense to average assets | 2.6235% | 2,911 |
| Loan and lease loss provision to assets | 0.2037% | 1,499 |
| Net operating income to assets | 1.0673% | 1,942 |
| Return on assets (ROA) | 1.0673% | 2,045 |
| Pretax return on assets | 1.1284% | 2,427 |
| Return on Equity (ROE) | 10.3419% | 1,629 |
| Retained earnings to average equity (ytd only) | 10.3419% | 677 |
| Net charge-offs to loans | -0.0202% | 4,338 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3234% | 2,906 |
| Assets per employee ($millions) | 4.7159% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,498 |
| Loan loss allowance to noncurrent loans | 208.3696% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 2,648 |
| Noncurrent loans to loans | 0.4985% | 2,772 |
| Net loans and leases to total assets | 90.0682% | 33 |
| Net loans and leases to deposits | 113.5968% | 139 |
| Net loans and leases to core deposits | 118.9990% | 502 |
| Total domestic deposits to total assets | 79.2876% | 3,998 |
| Equity capital to assets | 10.1207% | 3,676 |
| Core capital (leverage) ratio | 10.4285% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,377,000 | 2,900 |
| Average earning assets | $185,567,000 | 2,866 |
| Average equity | $20,267,000 | 3,148 |
| Average total loans | $178,518,000 | 2,375 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2573% | 891 |
| Cost of funding earning assets | 1.4476% | 468 |
| Net interest margin | 3.8097% | 2,470 |
| Noninterest income to average assets | 0.2842% | 3,983 |
| Noninterest expense to average assets | 2.2455% | 4,073 |
| Loan and lease loss provision to assets | 0.2404% | 783 |
| Net operating income to assets | 1.3252% | 1,596 |
| Return on assets (ROA) | 1.3252% | 1,676 |
| Pretax return on assets | 1.3941% | 2,183 |
| Return on Equity (ROE) | 12.8899% | 1,202 |
| Retained earnings to average equity (ytd only) | 7.3827% | 1,214 |
| Net charge-offs to loans | 0.2999% | 697 |
| Credit loss provision to net charge-offs | 89.4632% | 2,658 |
| Earnings coverage of net charge-offs (x) | 6.0835% | 3,007 |
| Efficiency ratio | 57.8744% | 3,983 |
| Assets per employee ($millions) | 5.1344% | 2,413 |
| Cash dividends to net income (ytd only)* | 42.7247% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,224 |
| Loan loss allowance to noncurrent loans | 184.8671% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 2,359 |
| Noncurrent loans to loans | 0.5670% | 2,484 |
| Net loans and leases to total assets | 89.8390% | 48 |
| Net loans and leases to deposits | 107.3856% | 247 |
| Net loans and leases to core deposits | 115.7368% | 610 |
| Total domestic deposits to total assets | 83.6602% | 2,970 |
| Equity capital to assets | 10.5337% | 3,415 |
| Core capital (leverage) ratio | 10.4261% | 3,037 |
| Tier 1 risk-based capital ratio | 11.2721% | 4,746 |
| Total risk-based capital ratio | 12.2972% | 4,739 |
| Memoranda: | ||
| Average total assets | $187,222,000 | 2,944 |
| Average earning assets | $176,706,200 | 2,919 |
| Average equity | $19,247,600 | 3,202 |
| Average total loans | $167,726,200 | 2,431 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 875 |
| Cost of funding earning assets | 1.4618% | 465 |
| Net interest margin | 3.8324% | 2,495 |
| Noninterest income to average assets | 0.2659% | 4,149 |
| Noninterest expense to average assets | 2.2330% | 4,114 |
| Loan and lease loss provision to assets | 0.2073% | 851 |
| Net operating income to assets | 1.3716% | 1,569 |
| Return on assets (ROA) | 1.3716% | 1,635 |
| Pretax return on assets | 1.4367% | 2,169 |
| Return on Equity (ROE) | 13.4262% | 1,134 |
| Retained earnings to average equity (ytd only) | 7.8640% | 1,460 |
| Net charge-offs to loans | 0.0905% | 1,565 |
| Credit loss provision to net charge-offs | 256.6372% | 1,067 |
| Earnings coverage of net charge-offs (x) | 20.3544% | 1,959 |
| Efficiency ratio | 57.5959% | 3,991 |
| Assets per employee ($millions) | 5.5249% | 2,008 |
| Cash dividends to net income (ytd only)* | 41.4277% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,427 |
| Loan loss allowance to noncurrent loans | 261.9537% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 2,858 |
| Noncurrent loans to loans | 0.4644% | 2,908 |
| Net loans and leases to total assets | 88.1078% | 92 |
| Net loans and leases to deposits | 106.2168% | 311 |
| Net loans and leases to core deposits | 114.6028% | 726 |
| Total domestic deposits to total assets | 82.9509% | 3,188 |
| Equity capital to assets | 10.4894% | 3,549 |
| Core capital (leverage) ratio | 10.3646% | 3,235 |
| Tier 1 risk-based capital ratio | 11.3678% | 4,734 |
| Total risk-based capital ratio | 12.5509% | 4,664 |
| Memoranda: | ||
| Average total assets | $186,534,500 | 2,974 |
| Average earning assets | $175,759,000 | 2,951 |
| Average equity | $19,056,750 | 3,245 |
| Average total loans | $166,538,500 | 2,472 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 894 |
| Cost of funding earning assets | 1.4595% | 435 |
| Net interest margin | 3.7911% | 2,607 |
| Noninterest income to average assets | 0.2622% | 4,183 |
| Noninterest expense to average assets | 2.2332% | 4,165 |
| Loan and lease loss provision to assets | 0.2493% | 617 |
| Net operating income to assets | 1.2929% | 1,805 |
| Return on assets (ROA) | 1.2929% | 1,862 |
| Pretax return on assets | 1.3584% | 2,354 |
| Return on Equity (ROE) | 12.7700% | 1,310 |
| Retained earnings to average equity (ytd only) | 7.1440% | 1,742 |
| Net charge-offs to loans | -0.0144% | 4,438 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1421% | 3,993 |
| Assets per employee ($millions) | 5.7767% | 1,714 |
| Cash dividends to net income (ytd only)* | 44.0565% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,293 |
| Loan loss allowance to noncurrent loans | 160.3199% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 1,992 |
| Noncurrent loans to loans | 0.7748% | 2,045 |
| Net loans and leases to total assets | 87.7963% | 122 |
| Net loans and leases to deposits | 104.8994% | 386 |
| Net loans and leases to core deposits | 113.6595% | 791 |
| Total domestic deposits to total assets | 83.6957% | 2,979 |
| Equity capital to assets | 10.0912% | 3,897 |
| Core capital (leverage) ratio | 10.1676% | 3,419 |
| Tier 1 risk-based capital ratio | 11.0180% | 4,899 |
| Total risk-based capital ratio | 12.2303% | 4,834 |
| Memoranda: | ||
| Average total assets | $186,097,330 | 2,987 |
| Average earning assets | $175,674,330 | 2,964 |
| Average equity | $18,841,000 | 3,264 |
| Average total loans | $166,203,000 | 2,480 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 1,266 |
| Cost of funding earning assets | 1.4423% | 393 |
| Net interest margin | 3.5885% | 3,295 |
| Noninterest income to average assets | 0.2459% | 4,249 |
| Noninterest expense to average assets | 2.3174% | 3,974 |
| Loan and lease loss provision to assets | 0.3677% | 318 |
| Net operating income to assets | 0.8921% | 3,261 |
| Return on assets (ROA) | 0.8921% | 3,315 |
| Pretax return on assets | 0.9443% | 3,633 |
| Return on Equity (ROE) | 8.7969% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.7969% | 1,387 |
| Net charge-offs to loans | -0.0194% | 4,481 |
| Credit loss provision to net charge-offs | -2,112.5000% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8489% | 3,262 |
| Assets per employee ($millions) | 5.8105% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,476 |
| Loan loss allowance to noncurrent loans | 104.7276% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 1,324 |
| Noncurrent loans to loans | 1.1646% | 1,426 |
| Net loans and leases to total assets | 88.7735% | 74 |
| Net loans and leases to deposits | 107.7232% | 277 |
| Net loans and leases to core deposits | 116.3729% | 638 |
| Total domestic deposits to total assets | 82.4089% | 3,611 |
| Equity capital to assets | 10.1761% | 3,648 |
| Core capital (leverage) ratio | 10.3401% | 3,233 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,015 |
| Total risk-based capital ratio | 12.0941% | 4,948 |
| Memoranda: | ||
| Average total assets | $183,830,500 | 3,047 |
| Average earning assets | $173,332,000 | 3,021 |
| Average equity | $18,643,000 | 3,297 |
| Average total loans | $164,568,500 | 2,516 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 1,346 |
| Cost of funding earning assets | 1.1419% | 430 |
| Net interest margin | 3.7358% | 2,919 |
| Noninterest income to average assets | 0.2910% | 4,158 |
| Noninterest expense to average assets | 2.3328% | 4,038 |
| Loan and lease loss provision to assets | 0.0699% | 2,739 |
| Net operating income to assets | 1.3308% | 1,683 |
| Return on assets (ROA) | 1.3253% | 1,691 |
| Pretax return on assets | 1.3941% | 2,153 |
| Return on Equity (ROE) | 12.9568% | 1,368 |
| Retained earnings to average equity (ytd only) | 7.0775% | 1,638 |
| Net charge-offs to loans | -0.0019% | 4,229 |
| Credit loss provision to net charge-offs | -4,066.6667% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3496% | 3,644 |
| Assets per employee ($millions) | 5.6789% | 1,789 |
| Cash dividends to net income (ytd only)* | 45.3760% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,835 |
| Loan loss allowance to noncurrent loans | 257.0442% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 2,958 |
| Noncurrent loans to loans | 0.4468% | 2,938 |
| Net loans and leases to total assets | 88.1420% | 112 |
| Net loans and leases to deposits | 103.3087% | 524 |
| Net loans and leases to core deposits | 110.3003% | 979 |
| Total domestic deposits to total assets | 85.3191% | 2,505 |
| Equity capital to assets | 10.1059% | 3,563 |
| Core capital (leverage) ratio | 10.2851% | 3,262 |
| Tier 1 risk-based capital ratio | 11.1214% | 4,910 |
| Total risk-based capital ratio | 12.2426% | 4,876 |
| Memoranda: | ||
| Average total assets | $174,596,400 | 3,117 |
| Average earning assets | $164,114,200 | 3,094 |
| Average equity | $17,859,400 | 3,305 |
| Average total loans | $156,585,600 | 2,559 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 1,210 |
| Cost of funding earning assets | 1.0643% | 457 |
| Net interest margin | 3.8170% | 2,583 |
| Noninterest income to average assets | 0.2862% | 4,241 |
| Noninterest expense to average assets | 2.3308% | 4,018 |
| Loan and lease loss provision to assets | 0.0710% | 2,541 |
| Net operating income to assets | 1.4139% | 1,440 |
| Return on assets (ROA) | 1.4065% | 1,460 |
| Pretax return on assets | 1.4628% | 2,026 |
| Return on Equity (ROE) | 13.7067% | 1,200 |
| Retained earnings to average equity (ytd only) | 7.7669% | 1,762 |
| Net charge-offs to loans | -0.0052% | 4,231 |
| Credit loss provision to net charge-offs | -1,533.3333% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1913% | 3,792 |
| Assets per employee ($millions) | 5.5512% | 1,868 |
| Cash dividends to net income (ytd only)* | 43.3352% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,790 |
| Loan loss allowance to noncurrent loans | 215.5112% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,765 |
| Noncurrent loans to loans | 0.5434% | 2,754 |
| Net loans and leases to total assets | 87.1227% | 178 |
| Net loans and leases to deposits | 103.7912% | 559 |
| Net loans and leases to core deposits | 110.7198% | 990 |
| Total domestic deposits to total assets | 83.9404% | 2,966 |
| Equity capital to assets | 10.2050% | 3,447 |
| Core capital (leverage) ratio | 10.4763% | 3,105 |
| Tier 1 risk-based capital ratio | 11.2478% | 4,928 |
| Total risk-based capital ratio | 12.3794% | 4,878 |
| Memoranda: | ||
| Average total assets | $172,814,000 | 3,166 |
| Average earning assets | $162,355,250 | 3,134 |
| Average equity | $17,733,000 | 3,350 |
| Average total loans | $155,222,500 | 2,591 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,079 |
| Cost of funding earning assets | 1.0118% | 453 |
| Net interest margin | 3.8609% | 2,342 |
| Noninterest income to average assets | 0.2979% | 4,188 |
| Noninterest expense to average assets | 2.3457% | 4,033 |
| Loan and lease loss provision to assets | 0.0701% | 2,482 |
| Net operating income to assets | 1.4574% | 1,258 |
| Return on assets (ROA) | 1.4462% | 1,295 |
| Pretax return on assets | 1.5035% | 1,803 |
| Return on Equity (ROE) | 14.0671% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.1017% | 1,584 |
| Net charge-offs to loans | -0.0052% | 4,109 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6731% | 3,979 |
| Assets per employee ($millions) | 5.4418% | 1,953 |
| Cash dividends to net income (ytd only)* | 42.4071% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,934 |
| Loan loss allowance to noncurrent loans | 282.1317% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,270 |
| Noncurrent loans to loans | 0.4112% | 3,224 |
| Net loans and leases to total assets | 88.0554% | 134 |
| Net loans and leases to deposits | 102.2070% | 645 |
| Net loans and leases to core deposits | 110.3461% | 975 |
| Total domestic deposits to total assets | 86.1540% | 2,210 |
| Equity capital to assets | 10.2523% | 3,385 |
| Core capital (leverage) ratio | 10.2597% | 3,277 |
| Tier 1 risk-based capital ratio | 11.2389% | 4,929 |
| Total risk-based capital ratio | 12.3684% | 4,891 |
| Memoranda: | ||
| Average total assets | $171,206,000 | 3,204 |
| Average earning assets | $161,102,670 | 3,174 |
| Average equity | $17,601,330 | 3,384 |
| Average total loans | $154,764,330 | 2,607 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 924 |
| Cost of funding earning assets | 0.9353% | 500 |
| Net interest margin | 3.9369% | 1,910 |
| Noninterest income to average assets | 0.2569% | 4,458 |
| Noninterest expense to average assets | 2.3235% | 4,135 |
| Loan and lease loss provision to assets | 0.0707% | 2,348 |
| Net operating income to assets | 1.5624% | 929 |
| Return on assets (ROA) | 1.5388% | 989 |
| Pretax return on assets | 1.5388% | 1,569 |
| Return on Equity (ROE) | 14.9466% | 808 |
| Retained earnings to average equity (ytd only) | 14.9466% | 330 |
| Net charge-offs to loans | -0.0078% | 4,154 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7254% | 4,261 |
| Assets per employee ($millions) | 5.3258% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,180 |
| Loan loss allowance to noncurrent loans | 238.4097% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 3,099 |
| Noncurrent loans to loans | 0.4758% | 3,095 |
| Net loans and leases to total assets | 90.4597% | 53 |
| Net loans and leases to deposits | 105.2673% | 416 |
| Net loans and leases to core deposits | 116.7262% | 703 |
| Total domestic deposits to total assets | 85.9333% | 2,570 |
| Equity capital to assets | 10.4381% | 3,132 |
| Core capital (leverage) ratio | 10.4248% | 3,034 |
| Tier 1 risk-based capital ratio | 11.2566% | 5,004 |
| Total risk-based capital ratio | 12.3722% | 4,972 |
| Memoranda: | ||
| Average total assets | $169,740,500 | 3,251 |
| Average earning assets | $159,516,000 | 3,225 |
| Average equity | $17,475,500 | 3,420 |
| Average total loans | $154,578,000 | 2,637 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,397 |
| Cost of funding earning assets | 0.8306% | 526 |
| Net interest margin | 3.7806% | 2,498 |
| Noninterest income to average assets | 0.2673% | 4,523 |
| Noninterest expense to average assets | 2.3484% | 4,211 |
| Loan and lease loss provision to assets | 0.0939% | 2,329 |
| Net operating income to assets | 1.3022% | 1,216 |
| Return on assets (ROA) | 1.3016% | 1,231 |
| Pretax return on assets | 1.3692% | 2,100 |
| Return on Equity (ROE) | 12.3560% | 1,113 |
| Retained earnings to average equity (ytd only) | 5.0458% | 2,094 |
| Net charge-offs to loans | 0.0858% | 2,234 |
| Credit loss provision to net charge-offs | 121.9512% | 2,143 |
| Earnings coverage of net charge-offs (x) | 19.0081% | 2,044 |
| Efficiency ratio | 60.9788% | 4,122 |
| Assets per employee ($millions) | 5.2830% | 2,169 |
| Cash dividends to net income (ytd only)* | 59.1631% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,168 |
| Loan loss allowance to noncurrent loans | 121.7391% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 1,848 |
| Noncurrent loans to loans | 0.9307% | 1,916 |
| Net loans and leases to total assets | 89.6065% | 89 |
| Net loans and leases to deposits | 107.3722% | 342 |
| Net loans and leases to core deposits | 117.1975% | 681 |
| Total domestic deposits to total assets | 83.4541% | 3,397 |
| Equity capital to assets | 10.1516% | 3,536 |
| Core capital (leverage) ratio | 10.4711% | 2,875 |
| Tier 1 risk-based capital ratio | 10.9543% | 5,174 |
| Total risk-based capital ratio | 12.0601% | 5,139 |
| Memoranda: | ||
| Average total assets | $159,724,400 | 3,351 |
| Average earning assets | $149,764,800 | 3,327 |
| Average equity | $16,825,800 | 3,499 |
| Average total loans | $143,316,600 | 2,731 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 1,355 |
| Cost of funding earning assets | 0.8194% | 513 |
| Net interest margin | 3.7862% | 2,451 |
| Noninterest income to average assets | 0.2635% | 4,624 |
| Noninterest expense to average assets | 2.3084% | 4,283 |
| Loan and lease loss provision to assets | 0.1271% | 1,704 |
| Net operating income to assets | 1.3096% | 1,296 |
| Return on assets (ROA) | 1.3088% | 1,338 |
| Pretax return on assets | 1.3774% | 2,191 |
| Return on Equity (ROE) | 12.3043% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,227 |
| Net charge-offs to loans | 0.1013% | 1,766 |
| Credit loss provision to net charge-offs | 140.1869% | 1,774 |
| Earnings coverage of net charge-offs (x) | 16.6078% | 2,159 |
| Efficiency ratio | 59.8623% | 4,246 |
| Assets per employee ($millions) | 5.1041% | 2,326 |
| Cash dividends to net income (ytd only)* | 51.1328% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,995 |
| Loan loss allowance to noncurrent loans | 197.9661% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,899 |
| Noncurrent loans to loans | 0.6007% | 2,904 |
| Net loans and leases to total assets | 89.1337% | 110 |
| Net loans and leases to deposits | 108.5120% | 323 |
| Net loans and leases to core deposits | 118.6786% | 629 |
| Total domestic deposits to total assets | 82.1418% | 3,732 |
| Equity capital to assets | 10.4910% | 3,386 |
| Core capital (leverage) ratio | 10.8514% | 2,596 |
| Tier 1 risk-based capital ratio | 11.3574% | 5,045 |
| Total risk-based capital ratio | 12.5214% | 4,989 |
| Memoranda: | ||
| Average total assets | $157,391,250 | 3,409 |
| Average earning assets | $147,583,500 | 3,384 |
| Average equity | $16,741,750 | 3,543 |
| Average total loans | $140,840,250 | 2,788 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,356 |
| Cost of funding earning assets | 0.8144% | 492 |
| Net interest margin | 3.7468% | 2,481 |
| Noninterest income to average assets | 0.2728% | 4,592 |
| Noninterest expense to average assets | 2.3615% | 4,178 |
| Loan and lease loss provision to assets | 0.1712% | 1,139 |
| Net operating income to assets | 1.1877% | 1,636 |
| Return on assets (ROA) | 1.1865% | 1,673 |
| Pretax return on assets | 1.2560% | 2,550 |
| Return on Equity (ROE) | 11.1013% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.7801% | 2,864 |
| Net charge-offs to loans | 0.1687% | 1,154 |
| Credit loss provision to net charge-offs | 113.6752% | 1,847 |
| Earnings coverage of net charge-offs (x) | 9.4872% | 2,430 |
| Efficiency ratio | 61.6299% | 4,067 |
| Assets per employee ($millions) | 4.8878% | 2,529 |
| Cash dividends to net income (ytd only)* | 56.9414% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,898 |
| Loan loss allowance to noncurrent loans | 171.1310% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,624 |
| Noncurrent loans to loans | 0.7127% | 2,614 |
| Net loans and leases to total assets | 89.3235% | 101 |
| Net loans and leases to deposits | 104.2052% | 487 |
| Net loans and leases to core deposits | 112.2205% | 897 |
| Total domestic deposits to total assets | 85.7189% | 2,520 |
| Equity capital to assets | 10.7328% | 3,102 |
| Core capital (leverage) ratio | 10.7817% | 2,621 |
| Tier 1 risk-based capital ratio | 11.5902% | 4,896 |
| Total risk-based capital ratio | 12.7853% | 4,831 |
| Memoranda: | ||
| Average total assets | $155,411,330 | 3,446 |
| Average earning assets | $145,883,000 | 3,415 |
| Average equity | $16,610,670 | 3,568 |
| Average total loans | $138,675,330 | 2,824 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,398 |
| Cost of funding earning assets | 0.8104% | 458 |
| Net interest margin | 3.6797% | 2,563 |
| Noninterest income to average assets | 0.2272% | 4,913 |
| Noninterest expense to average assets | 2.4194% | 4,060 |
| Loan and lease loss provision to assets | 0.2324% | 666 |
| Net operating income to assets | 1.0225% | 2,213 |
| Return on assets (ROA) | 1.0225% | 2,268 |
| Pretax return on assets | 1.0225% | 3,275 |
| Return on Equity (ROE) | 9.5869% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.5869% | 906 |
| Net charge-offs to loans | -0.0029% | 4,057 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1441% | 3,640 |
| Assets per employee ($millions) | 4.8749% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,657 |
| Loan loss allowance to noncurrent loans | 84.0729% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4250% | 1,162 |
| Noncurrent loans to loans | 1.5172% | 1,311 |
| Net loans and leases to total assets | 89.3056% | 74 |
| Net loans and leases to deposits | 105.1093% | 356 |
| Net loans and leases to core deposits | 111.8961% | 780 |
| Total domestic deposits to total assets | 84.9645% | 3,104 |
| Equity capital to assets | 10.7297% | 2,929 |
| Core capital (leverage) ratio | 10.9420% | 2,418 |
| Tier 1 risk-based capital ratio | 11.5112% | 5,018 |
| Total risk-based capital ratio | 12.7504% | 4,932 |
| Memoranda: | ||
| Average total assets | $154,912,500 | 3,490 |
| Average earning assets | $145,121,000 | 3,460 |
| Average equity | $16,522,500 | 3,601 |
| Average total loans | $137,295,500 | 2,859 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 1,226 |
| Cost of funding earning assets | 0.8029% | 500 |
| Net interest margin | 3.8200% | 2,249 |
| Noninterest income to average assets | 0.3475% | 4,247 |
| Noninterest expense to average assets | 2.3033% | 4,549 |
| Loan and lease loss provision to assets | 0.2205% | 1,000 |
| Net operating income to assets | 1.3397% | 1,119 |
| Return on assets (ROA) | 1.3397% | 1,176 |
| Pretax return on assets | 1.4065% | 1,918 |
| Return on Equity (ROE) | 12.4451% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.1208% | 2,270 |
| Net charge-offs to loans | 0.1237% | 2,019 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 14.7576% | 2,265 |
| Efficiency ratio | 57.9225% | 4,863 |
| Assets per employee ($millions) | 4.8071% | 2,637 |
| Cash dividends to net income (ytd only)* | 58.8529% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 2,651 |
| Loan loss allowance to noncurrent loans | 94.3678% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 1,543 |
| Noncurrent loans to loans | 1.3568% | 1,512 |
| Net loans and leases to total assets | 85.6593% | 254 |
| Net loans and leases to deposits | 98.8463% | 753 |
| Net loans and leases to core deposits | 105.6384% | 1,153 |
| Total domestic deposits to total assets | 86.6591% | 2,307 |
| Equity capital to assets | 10.6008% | 3,043 |
| Core capital (leverage) ratio | 10.5182% | 2,860 |
| Tier 1 risk-based capital ratio | 11.7550% | 4,889 |
| Total risk-based capital ratio | 12.9856% | 4,808 |
| Memoranda: | ||
| Average total assets | $149,657,200 | 3,527 |
| Average earning assets | $140,365,600 | 3,490 |
| Average equity | $16,110,800 | 3,682 |
| Average total loans | $133,357,800 | 2,873 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,193 |
| Cost of funding earning assets | 0.7937% | 520 |
| Net interest margin | 3.8540% | 2,144 |
| Noninterest income to average assets | 0.3616% | 4,194 |
| Noninterest expense to average assets | 2.2940% | 4,547 |
| Loan and lease loss provision to assets | 0.1346% | 1,745 |
| Net operating income to assets | 1.4704% | 933 |
| Return on assets (ROA) | 1.4704% | 976 |
| Pretax return on assets | 1.5530% | 1,526 |
| Return on Equity (ROE) | 13.6055% | 894 |
| Retained earnings to average equity (ytd only) | 6.3836% | 1,967 |
| Net charge-offs to loans | -0.0290% | 5,150 |
| Credit loss provision to net charge-offs | -517.2414% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9401% | 4,956 |
| Assets per employee ($millions) | 4.7033% | 2,745 |
| Cash dividends to net income (ytd only)* | 53.0811% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,789 |
| Loan loss allowance to noncurrent loans | 76.6459% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 1,194 |
| Noncurrent loans to loans | 1.6719% | 1,263 |
| Net loans and leases to total assets | 88.1938% | 124 |
| Net loans and leases to deposits | 102.1376% | 557 |
| Net loans and leases to core deposits | 109.6094% | 946 |
| Total domestic deposits to total assets | 86.3481% | 2,191 |
| Equity capital to assets | 10.8859% | 3,155 |
| Core capital (leverage) ratio | 10.8331% | 2,646 |
| Tier 1 risk-based capital ratio | 11.5443% | 5,060 |
| Total risk-based capital ratio | 12.7675% | 4,989 |
| Memoranda: | ||
| Average total assets | $148,614,500 | 3,561 |
| Average earning assets | $139,591,250 | 3,517 |
| Average equity | $16,061,750 | 3,714 |
| Average total loans | $133,328,000 | 2,878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 1,303 |
| Cost of funding earning assets | 0.7832% | 535 |
| Net interest margin | 3.7981% | 2,323 |
| Noninterest income to average assets | 0.3973% | 3,885 |
| Noninterest expense to average assets | 2.3354% | 4,514 |
| Loan and lease loss provision to assets | 0.1014% | 2,150 |
| Net operating income to assets | 1.4502% | 967 |
| Return on assets (ROA) | 1.4502% | 1,023 |
| Pretax return on assets | 1.5326% | 1,579 |
| Return on Equity (ROE) | 13.4509% | 937 |
| Retained earnings to average equity (ytd only) | 5.6787% | 2,319 |
| Net charge-offs to loans | -0.0361% | 5,218 |
| Credit loss provision to net charge-offs | -312.5000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1546% | 4,882 |
| Assets per employee ($millions) | 4.5179% | 2,990 |
| Cash dividends to net income (ytd only)* | 57.7819% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,205 |
| Loan loss allowance to noncurrent loans | 66.7886% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 1,089 |
| Noncurrent loans to loans | 1.8374% | 1,113 |
| Net loans and leases to total assets | 88.7015% | 110 |
| Net loans and leases to deposits | 104.8332% | 422 |
| Net loans and leases to core deposits | 110.4001% | 912 |
| Total domestic deposits to total assets | 84.6120% | 3,045 |
| Equity capital to assets | 10.7955% | 3,290 |
| Core capital (leverage) ratio | 10.6356% | 2,809 |
| Tier 1 risk-based capital ratio | 11.4202% | 5,206 |
| Total risk-based capital ratio | 12.5974% | 5,147 |
| Memoranda: | ||
| Average total assets | $147,984,000 | 3,589 |
| Average earning assets | $139,176,000 | 3,547 |
| Average equity | $15,954,330 | 3,741 |
| Average total loans | $132,950,670 | 2,886 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 1,260 |
| Cost of funding earning assets | 0.7638% | 595 |
| Net interest margin | 3.8392% | 2,145 |
| Noninterest income to average assets | 0.4857% | 3,225 |
| Noninterest expense to average assets | 2.3577% | 4,496 |
| Loan and lease loss provision to assets | 0.1221% | 1,729 |
| Net operating income to assets | 1.6197% | 676 |
| Return on assets (ROA) | 1.6197% | 718 |
| Pretax return on assets | 1.6197% | 1,251 |
| Return on Equity (ROE) | 15.0340% | 664 |
| Retained earnings to average equity (ytd only) | 15.0340% | 243 |
| Net charge-offs to loans | -0.0121% | 4,611 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8498% | 5,110 |
| Assets per employee ($millions) | 4.6516% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,614 |
| Loan loss allowance to noncurrent loans | 67.2436% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 1,246 |
| Noncurrent loans to loans | 1.7528% | 1,268 |
| Net loans and leases to total assets | 89.7313% | 65 |
| Net loans and leases to deposits | 106.0182% | 343 |
| Net loans and leases to core deposits | 111.2688% | 792 |
| Total domestic deposits to total assets | 84.6377% | 3,259 |
| Equity capital to assets | 10.8773% | 3,077 |
| Core capital (leverage) ratio | 10.9001% | 2,505 |
| Tier 1 risk-based capital ratio | 11.5407% | 5,216 |
| Total risk-based capital ratio | 12.6831% | 5,169 |
| Memoranda: | ||
| Average total assets | $147,431,000 | 3,614 |
| Average earning assets | $138,780,500 | 3,576 |
| Average equity | $15,884,000 | 3,751 |
| Average total loans | $132,482,000 | 2,896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 1,473 |
| Cost of funding earning assets | 0.7257% | 715 |
| Net interest margin | 3.8177% | 2,313 |
| Noninterest income to average assets | 0.3662% | 4,289 |
| Noninterest expense to average assets | 2.3091% | 4,758 |
| Loan and lease loss provision to assets | 0.1369% | 1,732 |
| Net operating income to assets | 1.4334% | 975 |
| Return on assets (ROA) | 1.4314% | 1,010 |
| Pretax return on assets | 1.5054% | 1,538 |
| Return on Equity (ROE) | 13.7923% | 887 |
| Retained earnings to average equity (ytd only) | 6.6686% | 1,459 |
| Net charge-offs to loans | 0.1213% | 2,169 |
| Credit loss provision to net charge-offs | 125.7862% | 2,065 |
| Earnings coverage of net charge-offs (x) | 15.1069% | 2,230 |
| Efficiency ratio | 57.7143% | 5,172 |
| Assets per employee ($millions) | 4.5628% | 2,938 |
| Cash dividends to net income (ytd only)* | 51.6499% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,544 |
| Loan loss allowance to noncurrent loans | 173.8739% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 3,212 |
| Noncurrent loans to loans | 0.6841% | 3,150 |
| Net loans and leases to total assets | 87.8434% | 130 |
| Net loans and leases to deposits | 103.7341% | 454 |
| Net loans and leases to core deposits | 108.0885% | 966 |
| Total domestic deposits to total assets | 84.6813% | 3,215 |
| Equity capital to assets | 10.6684% | 3,171 |
| Core capital (leverage) ratio | 10.6887% | 2,718 |
| Tier 1 risk-based capital ratio | 11.4346% | 5,298 |
| Total risk-based capital ratio | 12.5743% | 5,253 |
| Memoranda: | ||
| Average total assets | $146,076,400 | 3,628 |
| Average earning assets | $137,255,000 | 3,573 |
| Average equity | $15,160,600 | 3,815 |
| Average total loans | $131,037,800 | 2,872 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 1,491 |
| Cost of funding earning assets | 0.7228% | 744 |
| Net interest margin | 3.8146% | 2,331 |
| Noninterest income to average assets | 0.3568% | 4,388 |
| Noninterest expense to average assets | 2.2633% | 4,878 |
| Loan and lease loss provision to assets | 0.1369% | 1,631 |
| Net operating income to assets | 1.4739% | 960 |
| Return on assets (ROA) | 1.4730% | 998 |
| Pretax return on assets | 1.5487% | 1,539 |
| Return on Equity (ROE) | 14.2925% | 842 |
| Retained earnings to average equity (ytd only) | 7.2082% | 1,596 |
| Net charge-offs to loans | 0.1756% | 1,425 |
| Credit loss provision to net charge-offs | 86.7052% | 2,513 |
| Earnings coverage of net charge-offs (x) | 10.6821% | 2,574 |
| Efficiency ratio | 56.6081% | 5,270 |
| Assets per employee ($millions) | 4.6214% | 2,808 |
| Cash dividends to net income (ytd only)* | 49.5662% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,925 |
| Loan loss allowance to noncurrent loans | 164.9944% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 3,353 |
| Noncurrent loans to loans | 0.6971% | 3,237 |
| Net loans and leases to total assets | 88.7863% | 99 |
| Net loans and leases to deposits | 109.0070% | 276 |
| Net loans and leases to core deposits | 113.9503% | 673 |
| Total domestic deposits to total assets | 81.4501% | 4,351 |
| Equity capital to assets | 10.7440% | 3,312 |
| Core capital (leverage) ratio | 10.8924% | 2,596 |
| Tier 1 risk-based capital ratio | 11.3579% | 5,455 |
| Total risk-based capital ratio | 12.4573% | 5,442 |
| Memoranda: | ||
| Average total assets | $146,092,750 | 3,659 |
| Average earning assets | $137,607,750 | 3,605 |
| Average equity | $15,056,500 | 3,869 |
| Average total loans | $131,346,000 | 2,881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 1,324 |
| Cost of funding earning assets | 0.7226% | 748 |
| Net interest margin | 3.8566% | 2,118 |
| Noninterest income to average assets | 0.3741% | 4,268 |
| Noninterest expense to average assets | 2.2702% | 4,923 |
| Loan and lease loss provision to assets | 0.1632% | 1,294 |
| Net operating income to assets | 1.5016% | 895 |
| Return on assets (ROA) | 1.5003% | 942 |
| Pretax return on assets | 1.5765% | 1,398 |
| Return on Equity (ROE) | 14.7611% | 769 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,426 |
| Net charge-offs to loans | 0.0136% | 3,453 |
| Credit loss provision to net charge-offs | 1,333.3333% | 274 |
| Earnings coverage of net charge-offs (x) | 142.2222% | 447 |
| Efficiency ratio | 55.9173% | 5,434 |
| Assets per employee ($millions) | 4.4680% | 3,036 |
| Cash dividends to net income (ytd only)* | 48.5041% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 3,430 |
| Loan loss allowance to noncurrent loans | 243.0723% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 4,031 |
| Noncurrent loans to loans | 0.5203% | 3,896 |
| Net loans and leases to total assets | 88.1337% | 132 |
| Net loans and leases to deposits | 102.7462% | 517 |
| Net loans and leases to core deposits | 110.2990% | 823 |
| Total domestic deposits to total assets | 85.7780% | 2,805 |
| Equity capital to assets | 10.5899% | 3,338 |
| Core capital (leverage) ratio | 10.3688% | 3,120 |
| Tier 1 risk-based capital ratio | 11.3106% | 5,573 |
| Total risk-based capital ratio | 12.5243% | 5,512 |
| Memoranda: | ||
| Average total assets | $147,036,330 | 3,676 |
| Average earning assets | $138,672,330 | 3,621 |
| Average equity | $14,944,670 | 3,900 |
| Average total loans | $132,235,670 | 2,869 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,262 |
| Cost of funding earning assets | 0.7139% | 800 |
| Net interest margin | 3.8696% | 2,000 |
| Noninterest income to average assets | 0.3435% | 4,450 |
| Noninterest expense to average assets | 2.2916% | 4,907 |
| Loan and lease loss provision to assets | 0.2415% | 697 |
| Net operating income to assets | 1.4759% | 892 |
| Return on assets (ROA) | 1.4759% | 951 |
| Pretax return on assets | 1.4759% | 1,641 |
| Return on Equity (ROE) | 14.8183% | 737 |
| Retained earnings to average equity (ytd only) | 12.9323% | 456 |
| Net charge-offs to loans | 0.0268% | 2,637 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 71.1111% | 637 |
| Efficiency ratio | 56.4926% | 5,480 |
| Assets per employee ($millions) | 4.3797% | 3,233 |
| Cash dividends to net income (ytd only)* | 12.7273% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,157 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,874 |
| Noncurrent loans to loans | 0.5840% | 3,828 |
| Net loans and leases to total assets | 90.0068% | 54 |
| Net loans and leases to deposits | 105.3919% | 334 |
| Net loans and leases to core deposits | 117.3098% | 477 |
| Total domestic deposits to total assets | 85.4020% | 3,219 |
| Equity capital to assets | 10.1436% | 3,955 |
| Core capital (leverage) ratio | 9.9040% | 3,738 |
| Tier 1 risk-based capital ratio | 10.7795% | 5,905 |
| Total risk-based capital ratio | 11.9217% | 5,873 |
| Memoranda: | ||
| Average total assets | $149,066,500 | 3,669 |
| Average earning assets | $141,205,000 | 3,603 |
| Average equity | $14,846,500 | 3,939 |
| Average total loans | $134,541,500 | 2,837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,560 |
| Cost of funding earning assets | 0.6932% | 1,141 |
| Net interest margin | 3.9052% | 2,218 |
| Noninterest income to average assets | 0.3793% | 4,347 |
| Noninterest expense to average assets | 2.3014% | 5,113 |
| Loan and lease loss provision to assets | 0.2127% | 1,173 |
| Net operating income to assets | 1.4492% | 981 |
| Return on assets (ROA) | 1.4485% | 1,015 |
| Pretax return on assets | 1.5229% | 1,462 |
| Return on Equity (ROE) | 14.4363% | 858 |
| Retained earnings to average equity (ytd only) | 5.9215% | 1,973 |
| Net charge-offs to loans | 0.1411% | 2,616 |
| Credit loss provision to net charge-offs | 169.4915% | 1,439 |
| Earnings coverage of net charge-offs (x) | 13.8362% | 2,236 |
| Efficiency ratio | 55.7682% | 5,689 |
| Assets per employee ($millions) | 4.5219% | 3,004 |
| Cash dividends to net income (ytd only)* | 58.9819% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 4,409 |
| Loan loss allowance to noncurrent loans | 323.2258% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,755 |
| Noncurrent loans to loans | 0.3484% | 4,611 |
| Net loans and leases to total assets | 88.4360% | 101 |
| Net loans and leases to deposits | 105.9211% | 361 |
| Net loans and leases to core deposits | 117.6755% | 482 |
| Total domestic deposits to total assets | 83.4924% | 3,915 |
| Equity capital to assets | 9.7760% | 4,388 |
| Core capital (leverage) ratio | 9.9260% | 3,681 |
| Tier 1 risk-based capital ratio | 10.7946% | 5,994 |
| Total risk-based capital ratio | 11.9219% | 5,974 |
| Memoranda: | ||
| Average total assets | $141,042,200 | 3,780 |
| Average earning assets | $132,132,600 | 3,718 |
| Average equity | $14,151,800 | 3,998 |
| Average total loans | $125,422,400 | 2,951 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,555 |
| Cost of funding earning assets | 0.7002% | 1,153 |
| Net interest margin | 3.9020% | 2,236 |
| Noninterest income to average assets | 0.3674% | 4,486 |
| Noninterest expense to average assets | 2.3213% | 5,054 |
| Loan and lease loss provision to assets | 0.1727% | 1,427 |
| Net operating income to assets | 1.4484% | 1,026 |
| Return on assets (ROA) | 1.4475% | 1,068 |
| Pretax return on assets | 1.5233% | 1,571 |
| Return on Equity (ROE) | 14.3273% | 926 |
| Retained earnings to average equity (ytd only) | 6.2569% | 2,245 |
| Net charge-offs to loans | 0.1080% | 2,723 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 17.6900% | 1,888 |
| Efficiency ratio | 56.3142% | 5,631 |
| Assets per employee ($millions) | 4.4096% | 3,118 |
| Cash dividends to net income (ytd only)* | 56.3289% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 4,416 |
| Loan loss allowance to noncurrent loans | 257.0423% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 4,715 |
| Noncurrent loans to loans | 0.4529% | 4,542 |
| Net loans and leases to total assets | 87.8361% | 121 |
| Net loans and leases to deposits | 106.5123% | 309 |
| Net loans and leases to core deposits | 114.9602% | 554 |
| Total domestic deposits to total assets | 82.4657% | 4,311 |
| Equity capital to assets | 10.2207% | 3,907 |
| Core capital (leverage) ratio | 10.3057% | 3,287 |
| Tier 1 risk-based capital ratio | 11.2691% | 5,884 |
| Total risk-based capital ratio | 12.4274% | 5,868 |
| Memoranda: | ||
| Average total assets | $138,997,250 | 3,848 |
| Average earning assets | $130,049,250 | 3,789 |
| Average equity | $14,042,750 | 4,037 |
| Average total loans | $123,410,750 | 3,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,603 |
| Cost of funding earning assets | 0.7079% | 1,152 |
| Net interest margin | 3.8638% | 2,313 |
| Noninterest income to average assets | 0.3427% | 4,680 |
| Noninterest expense to average assets | 2.3052% | 5,132 |
| Loan and lease loss provision to assets | 0.1735% | 1,408 |
| Net operating income to assets | 1.4043% | 1,051 |
| Return on assets (ROA) | 1.4043% | 1,091 |
| Pretax return on assets | 1.4795% | 1,600 |
| Return on Equity (ROE) | 13.9548% | 963 |
| Retained earnings to average equity (ytd only) | 4.9726% | 2,976 |
| Net charge-offs to loans | 0.1564% | 2,138 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 11.9063% | 2,105 |
| Efficiency ratio | 56.3756% | 5,707 |
| Assets per employee ($millions) | 4.1343% | 3,578 |
| Cash dividends to net income (ytd only)* | 64.3666% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 4,641 |
| Loan loss allowance to noncurrent loans | 209.2399% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 4,535 |
| Noncurrent loans to loans | 0.5521% | 4,361 |
| Net loans and leases to total assets | 88.0549% | 95 |
| Net loans and leases to deposits | 101.6689% | 471 |
| Net loans and leases to core deposits | 106.4677% | 871 |
| Total domestic deposits to total assets | 86.6095% | 2,692 |
| Equity capital to assets | 10.3281% | 3,651 |
| Core capital (leverage) ratio | 10.1350% | 3,430 |
| Tier 1 risk-based capital ratio | 11.4126% | 5,850 |
| Total risk-based capital ratio | 12.5669% | 5,842 |
| Memoranda: | ||
| Average total assets | $138,294,330 | 3,883 |
| Average earning assets | $129,405,000 | 3,818 |
| Average equity | $13,916,330 | 4,058 |
| Average total loans | $122,747,000 | 3,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,673 |
| Cost of funding earning assets | 0.7179% | 1,135 |
| Net interest margin | 3.8239% | 2,370 |
| Noninterest income to average assets | 0.3505% | 4,574 |
| Noninterest expense to average assets | 2.3387% | 5,096 |
| Loan and lease loss provision to assets | 0.1724% | 1,402 |
| Net operating income to assets | 1.4049% | 980 |
| Return on assets (ROA) | 1.4049% | 1,024 |
| Pretax return on assets | 1.4049% | 1,726 |
| Return on Equity (ROE) | 14.1442% | 921 |
| Retained earnings to average equity (ytd only) | 7.2023% | 1,937 |
| Net charge-offs to loans | 0.0032% | 3,610 |
| Credit loss provision to net charge-offs | 6,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 71 |
| Efficiency ratio | 57.7403% | 5,674 |
| Assets per employee ($millions) | 4.5772% | 2,847 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,702 |
| Loan loss allowance to noncurrent loans | 164.2694% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 4,188 |
| Noncurrent loans to loans | 0.7220% | 4,060 |
| Net loans and leases to total assets | 87.3132% | 97 |
| Net loans and leases to deposits | 101.4735% | 382 |
| Net loans and leases to core deposits | 107.3270% | 704 |
| Total domestic deposits to total assets | 86.0453% | 3,340 |
| Equity capital to assets | 10.1678% | 3,642 |
| Core capital (leverage) ratio | 10.0381% | 3,512 |
| Tier 1 risk-based capital ratio | 11.2737% | 6,032 |
| Total risk-based capital ratio | 12.4526% | 6,020 |
| Memoranda: | ||
| Average total assets | $139,225,000 | 3,890 |
| Average earning assets | $129,815,500 | 3,837 |
| Average equity | $13,829,000 | 4,080 |
| Average total loans | $123,350,500 | 3,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 2,077 |
| Cost of funding earning assets | 0.8286% | 1,045 |
| Net interest margin | 3.7064% | 3,027 |
| Noninterest income to average assets | 0.4096% | 4,377 |
| Noninterest expense to average assets | 2.2278% | 5,560 |
| Loan and lease loss provision to assets | 0.2560% | 1,406 |
| Net operating income to assets | 1.3224% | 1,201 |
| Return on assets (ROA) | 1.3231% | 1,234 |
| Pretax return on assets | 1.3911% | 1,818 |
| Return on Equity (ROE) | 13.5234% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.0196% | 1,425 |
| Net charge-offs to loans | 0.1898% | 2,942 |
| Credit loss provision to net charge-offs | 156.9507% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.0942% | 2,421 |
| Efficiency ratio | 55.4842% | 5,999 |
| Assets per employee ($millions) | 4.5527% | 2,818 |
| Cash dividends to net income (ytd only)* | 48.0929% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,144 |
| Loan loss allowance to noncurrent loans | 197.4249% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 4,724 |
| Noncurrent loans to loans | 0.5576% | 4,597 |
| Net loans and leases to total assets | 87.8506% | 93 |
| Net loans and leases to deposits | 105.5155% | 277 |
| Net loans and leases to core deposits | 107.5464% | 718 |
| Total domestic deposits to total assets | 83.2585% | 4,448 |
| Equity capital to assets | 9.7043% | 4,161 |
| Core capital (leverage) ratio | 9.9571% | 3,632 |
| Tier 1 risk-based capital ratio | 10.7167% | 6,298 |
| Total risk-based capital ratio | 11.8135% | 6,306 |
| Memoranda: | ||
| Average total assets | $136,727,400 | 3,942 |
| Average earning assets | $127,804,800 | 3,889 |
| Average equity | $13,376,800 | 4,187 |
| Average total loans | $117,491,600 | 3,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 2,089 |
| Cost of funding earning assets | 0.8576% | 1,004 |
| Net interest margin | 3.6798% | 3,104 |
| Noninterest income to average assets | 0.4040% | 4,503 |
| Noninterest expense to average assets | 2.2080% | 5,588 |
| Loan and lease loss provision to assets | 0.2556% | 1,393 |
| Net operating income to assets | 1.3360% | 1,255 |
| Return on assets (ROA) | 1.3370% | 1,301 |
| Pretax return on assets | 1.3793% | 2,000 |
| Return on Equity (ROE) | 13.6368% | 1,089 |
| Retained earnings to average equity (ytd only) | 9.1246% | 1,024 |
| Net charge-offs to loans | 0.1627% | 2,932 |
| Credit loss provision to net charge-offs | 184.3972% | 1,309 |
| Earnings coverage of net charge-offs (x) | 11.7869% | 2,200 |
| Efficiency ratio | 55.4248% | 5,980 |
| Assets per employee ($millions) | 4.2449% | 3,342 |
| Cash dividends to net income (ytd only)* | 33.0885% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,140 |
| Loan loss allowance to noncurrent loans | 181.2417% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 4,784 |
| Noncurrent loans to loans | 0.6316% | 4,618 |
| Net loans and leases to total assets | 87.2287% | 107 |
| Net loans and leases to deposits | 102.6270% | 346 |
| Net loans and leases to core deposits | 104.6187% | 844 |
| Total domestic deposits to total assets | 84.9959% | 3,752 |
| Equity capital to assets | 10.0732% | 3,803 |
| Core capital (leverage) ratio | 10.0336% | 3,633 |
| Tier 1 risk-based capital ratio | 11.0747% | 6,246 |
| Total risk-based capital ratio | 12.2063% | 6,265 |
| Memoranda: | ||
| Average total assets | $135,625,750 | 4,000 |
| Average earning assets | $126,706,250 | 3,945 |
| Average equity | $13,297,000 | 4,251 |
| Average total loans | $115,522,750 | 3,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 2,192 |
| Cost of funding earning assets | 0.8841% | 967 |
| Net interest margin | 3.6186% | 3,290 |
| Noninterest income to average assets | 0.4205% | 4,373 |
| Noninterest expense to average assets | 2.1570% | 5,731 |
| Loan and lease loss provision to assets | 0.2508% | 1,482 |
| Net operating income to assets | 1.3560% | 1,177 |
| Return on assets (ROA) | 1.3589% | 1,255 |
| Pretax return on assets | 1.3913% | 1,964 |
| Return on Equity (ROE) | 13.9881% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.4317% | 987 |
| Net charge-offs to loans | 0.2349% | 2,310 |
| Credit loss provision to net charge-offs | 126.8657% | 1,780 |
| Earnings coverage of net charge-offs (x) | 8.2910% | 2,424 |
| Efficiency ratio | 54.7610% | 6,076 |
| Assets per employee ($millions) | 4.2364% | 3,278 |
| Cash dividends to net income (ytd only)* | 32.5733% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,313 |
| Loan loss allowance to noncurrent loans | 127.7502% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 4,349 |
| Noncurrent loans to loans | 0.8849% | 4,157 |
| Net loans and leases to total assets | 83.1638% | 286 |
| Net loans and leases to deposits | 95.9727% | 676 |
| Net loans and leases to core deposits | 98.0894% | 1,209 |
| Total domestic deposits to total assets | 86.6536% | 3,025 |
| Equity capital to assets | 9.8558% | 4,116 |
| Core capital (leverage) ratio | 9.7345% | 3,890 |
| Tier 1 risk-based capital ratio | 11.2187% | 6,235 |
| Total risk-based capital ratio | 12.3215% | 6,279 |
| Memoranda: | ||
| Average total assets | $135,555,670 | 4,036 |
| Average earning assets | $126,456,000 | 3,977 |
| Average equity | $13,168,330 | 4,306 |
| Average total loans | $114,077,000 | 3,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,902 |
| Cost of funding earning assets | 0.9290% | 851 |
| Net interest margin | 3.6491% | 3,076 |
| Noninterest income to average assets | 0.3335% | 5,031 |
| Noninterest expense to average assets | 2.3755% | 5,187 |
| Loan and lease loss provision to assets | 0.2361% | 1,542 |
| Net operating income to assets | 1.1066% | 1,834 |
| Return on assets (ROA) | 1.1125% | 1,918 |
| Pretax return on assets | 1.1125% | 2,904 |
| Return on Equity (ROE) | 11.5361% | 1,543 |
| Retained earnings to average equity (ytd only) | 10.0061% | 1,105 |
| Net charge-offs to loans | 0.2068% | 2,182 |
| Credit loss provision to net charge-offs | 135.5932% | 1,464 |
| Earnings coverage of net charge-offs (x) | 7.7119% | 2,033 |
| Efficiency ratio | 61.7460% | 5,335 |
| Assets per employee ($millions) | 4.0907% | 3,764 |
| Cash dividends to net income (ytd only)* | 13.2626% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,426 |
| Loan loss allowance to noncurrent loans | 105.3763% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 4,144 |
| Noncurrent loans to loans | 1.0872% | 3,977 |
| Net loans and leases to total assets | 81.4318% | 314 |
| Net loans and leases to deposits | 93.8737% | 674 |
| Net loans and leases to core deposits | 95.9467% | 1,203 |
| Total domestic deposits to total assets | 86.7461% | 3,106 |
| Equity capital to assets | 9.8004% | 4,416 |
| Core capital (leverage) ratio | 9.5253% | 4,037 |
| Tier 1 risk-based capital ratio | 11.2045% | 6,311 |
| Total risk-based capital ratio | 12.3204% | 6,349 |
| Memoranda: | ||
| Average total assets | $135,551,000 | 4,076 |
| Average earning assets | $125,730,500 | 4,027 |
| Average equity | $13,072,000 | 4,371 |
| Average total loans | $114,100,500 | 3,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 1,856 |
| Cost of funding earning assets | 1.0897% | 941 |
| Net interest margin | 3.8047% | 3,204 |
| Noninterest income to average assets | 0.4642% | 4,144 |
| Noninterest expense to average assets | 2.5055% | 5,073 |
| Loan and lease loss provision to assets | 0.1866% | 3,303 |
| Net operating income to assets | 1.2435% | 1,463 |
| Return on assets (ROA) | 1.2310% | 1,668 |
| Pretax return on assets | 1.2940% | 2,435 |
| Return on Equity (ROE) | 12.5877% | 1,339 |
| Retained earnings to average equity (ytd only) | 6.3853% | 1,885 |
| Net charge-offs to loans | 0.1325% | 4,351 |
| Credit loss provision to net charge-offs | 162.1622% | 1,658 |
| Earnings coverage of net charge-offs (x) | 12.9797% | 1,877 |
| Efficiency ratio | 60.5678% | 5,455 |
| Assets per employee ($millions) | 4.1245% | 3,698 |
| Cash dividends to net income (ytd only)* | 49.2735% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,671 |
| Loan loss allowance to noncurrent loans | 133.5821% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 4,764 |
| Noncurrent loans to loans | 0.8017% | 4,585 |
| Net loans and leases to total assets | 85.0398% | 171 |
| Net loans and leases to deposits | 99.4424% | 434 |
| Net loans and leases to core deposits | 101.3866% | 928 |
| Total domestic deposits to total assets | 85.5166% | 3,600 |
| Equity capital to assets | 9.4881% | 4,894 |
| Core capital (leverage) ratio | 9.3731% | 4,291 |
| Tier 1 risk-based capital ratio | 10.3993% | 6,590 |
| Total risk-based capital ratio | 11.4469% | 6,612 |
| Memoranda: | ||
| Average total assets | $128,595,800 | 4,175 |
| Average earning assets | $119,482,800 | 4,119 |
| Average equity | $12,575,800 | 4,447 |
| Average total loans | $111,672,800 | 3,260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,915 |
| Cost of funding earning assets | 1.1159% | 998 |
| Net interest margin | 3.8105% | 3,293 |
| Noninterest income to average assets | 0.4545% | 4,253 |
| Noninterest expense to average assets | 2.5284% | 4,990 |
| Loan and lease loss provision to assets | 0.1894% | 3,220 |
| Net operating income to assets | 1.2311% | 1,626 |
| Return on assets (ROA) | 1.2321% | 1,797 |
| Pretax return on assets | 1.2984% | 2,617 |
| Return on Equity (ROE) | 12.4991% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.8953% | 2,184 |
| Net charge-offs to loans | 0.1583% | 3,852 |
| Credit loss provision to net charge-offs | 137.4046% | 2,095 |
| Earnings coverage of net charge-offs (x) | 10.7864% | 2,146 |
| Efficiency ratio | 60.8753% | 5,338 |
| Assets per employee ($millions) | 3.8998% | 4,089 |
| Cash dividends to net income (ytd only)* | 44.8334% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 5,828 |
| Loan loss allowance to noncurrent loans | 171.1457% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 5,253 |
| Noncurrent loans to loans | 0.6245% | 5,189 |
| Net loans and leases to total assets | 87.0233% | 116 |
| Net loans and leases to deposits | 100.6697% | 410 |
| Net loans and leases to core deposits | 103.0029% | 933 |
| Total domestic deposits to total assets | 86.4444% | 3,017 |
| Equity capital to assets | 9.9183% | 4,624 |
| Core capital (leverage) ratio | 9.4557% | 4,341 |
| Tier 1 risk-based capital ratio | 10.5298% | 6,657 |
| Total risk-based capital ratio | 11.5695% | 6,695 |
| Memoranda: | ||
| Average total assets | $126,717,750 | 4,258 |
| Average earning assets | $118,406,500 | 4,185 |
| Average equity | $12,491,250 | 4,507 |
| Average total loans | $110,341,250 | 3,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 1,902 |
| Cost of funding earning assets | 1.1316% | 1,088 |
| Net interest margin | 3.8265% | 3,237 |
| Noninterest income to average assets | 0.4696% | 4,137 |
| Noninterest expense to average assets | 2.5559% | 4,939 |
| Loan and lease loss provision to assets | 0.1904% | 3,191 |
| Net operating income to assets | 1.2629% | 1,535 |
| Return on assets (ROA) | 1.2645% | 1,698 |
| Pretax return on assets | 1.2978% | 2,564 |
| Return on Equity (ROE) | 12.8545% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.0159% | 1,633 |
| Net charge-offs to loans | 0.2395% | 3,136 |
| Credit loss provision to net charge-offs | 91.6031% | 2,992 |
| Earnings coverage of net charge-offs (x) | 7.1527% | 2,522 |
| Efficiency ratio | 61.1460% | 5,397 |
| Assets per employee ($millions) | 4.0078% | 3,852 |
| Cash dividends to net income (ytd only)* | 37.6412% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 5,973 |
| Loan loss allowance to noncurrent loans | 203.1802% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 5,677 |
| Noncurrent loans to loans | 0.5157% | 5,494 |
| Net loans and leases to total assets | 84.6828% | 186 |
| Net loans and leases to deposits | 97.1526% | 568 |
| Net loans and leases to core deposits | 101.2700% | 1,022 |
| Total domestic deposits to total assets | 87.1647% | 2,677 |
| Equity capital to assets | 9.8442% | 4,552 |
| Core capital (leverage) ratio | 9.3977% | 4,298 |
| Tier 1 risk-based capital ratio | 10.7225% | 6,606 |
| Total risk-based capital ratio | 11.7433% | 6,682 |
| Memoranda: | ||
| Average total assets | $126,059,670 | 4,292 |
| Average earning assets | $117,706,000 | 4,222 |
| Average equity | $12,400,330 | 4,527 |
| Average total loans | $109,387,670 | 3,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 1,786 |
| Cost of funding earning assets | 1.1539% | 1,164 |
| Net interest margin | 3.8772% | 3,020 |
| Noninterest income to average assets | 0.4961% | 3,933 |
| Noninterest expense to average assets | 2.5991% | 4,815 |
| Loan and lease loss provision to assets | 0.1921% | 3,030 |
| Net operating income to assets | 1.3188% | 1,407 |
| Return on assets (ROA) | 1.3220% | 1,560 |
| Pretax return on assets | 1.3220% | 2,454 |
| Return on Equity (ROE) | 13.4440% | 1,298 |
| Retained earnings to average equity (ytd only) | 11.8164% | 851 |
| Net charge-offs to loans | 0.0110% | 4,559 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 157.3333% | 232 |
| Efficiency ratio | 61.1371% | 5,435 |
| Assets per employee ($millions) | 3.9600% | 4,097 |
| Cash dividends to net income (ytd only)* | 12.1065% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,852 |
| Loan loss allowance to noncurrent loans | 159.6330% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,385 |
| Noncurrent loans to loans | 0.6972% | 5,270 |
| Net loans and leases to total assets | 85.4000% | 137 |
| Net loans and leases to deposits | 97.9632% | 445 |
| Net loans and leases to core deposits | 102.8610% | 820 |
| Total domestic deposits to total assets | 87.1756% | 2,846 |
| Equity capital to assets | 9.8430% | 4,318 |
| Core capital (leverage) ratio | 9.5852% | 3,935 |
| Tier 1 risk-based capital ratio | 10.6900% | 6,676 |
| Total risk-based capital ratio | 11.7825% | 6,716 |
| Memoranda: | ||
| Average total assets | $124,965,500 | 4,344 |
| Average earning assets | $116,475,500 | 4,283 |
| Average equity | $12,288,000 | 4,558 |
| Average total loans | $109,204,500 | 3,372 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 2,093 |
| Cost of funding earning assets | 1.2995% | 1,487 |
| Net interest margin | 3.8924% | 3,366 |
| Noninterest income to average assets | 0.4782% | 4,004 |
| Noninterest expense to average assets | 2.5242% | 5,384 |
| Loan and lease loss provision to assets | 0.1655% | 4,565 |
| Net operating income to assets | 1.3643% | 1,097 |
| Return on assets (ROA) | 1.3651% | 1,188 |
| Pretax return on assets | 1.4346% | 1,671 |
| Return on Equity (ROE) | 14.2862% | 865 |
| Retained earnings to average equity (ytd only) | 9.3077% | 723 |
| Net charge-offs to loans | 0.1528% | 4,917 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 12.0813% | 1,651 |
| Efficiency ratio | 59.0891% | 5,888 |
| Assets per employee ($millions) | 4.2487% | 3,372 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,940 |
| Loan loss allowance to noncurrent loans | 183.7025% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 5,685 |
| Noncurrent loans to loans | 0.5800% | 5,549 |
| Net loans and leases to total assets | 87.5012% | 87 |
| Net loans and leases to deposits | 102.1769% | 366 |
| Net loans and leases to core deposits | 105.1435% | 834 |
| Total domestic deposits to total assets | 85.6370% | 3,520 |
| Equity capital to assets | 9.8229% | 4,410 |
| Core capital (leverage) ratio | 9.2971% | 4,334 |
| Tier 1 risk-based capital ratio | 10.3913% | 6,735 |
| Total risk-based capital ratio | 11.4377% | 6,786 |
| Memoranda: | ||
| Average total assets | $120,869,400 | 4,374 |
| Average earning assets | $113,195,200 | 4,306 |
| Average equity | $11,549,600 | 4,649 |
| Average total loans | $104,745,200 | 3,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 2,188 |
| Cost of funding earning assets | 1.3363% | 1,524 |
| Net interest margin | 3.8701% | 3,522 |
| Noninterest income to average assets | 0.4611% | 4,211 |
| Noninterest expense to average assets | 2.4929% | 5,485 |
| Loan and lease loss provision to assets | 0.1441% | 4,640 |
| Net operating income to assets | 1.3834% | 1,195 |
| Return on assets (ROA) | 1.3845% | 1,266 |
| Pretax return on assets | 1.4432% | 1,811 |
| Return on Equity (ROE) | 14.5934% | 926 |
| Retained earnings to average equity (ytd only) | 10.5040% | 727 |
| Net charge-offs to loans | 0.0399% | 5,593 |
| Credit loss provision to net charge-offs | 419.3548% | 674 |
| Earnings coverage of net charge-offs (x) | 46.1638% | 688 |
| Efficiency ratio | 58.9402% | 5,875 |
| Assets per employee ($millions) | 4.3683% | 3,139 |
| Cash dividends to net income (ytd only)* | 28.0227% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,873 |
| Loan loss allowance to noncurrent loans | 134.5094% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 5,366 |
| Noncurrent loans to loans | 0.8210% | 5,225 |
| Net loans and leases to total assets | 86.2442% | 126 |
| Net loans and leases to deposits | 108.3245% | 202 |
| Net loans and leases to core deposits | 111.8156% | 615 |
| Total domestic deposits to total assets | 79.6165% | 5,841 |
| Equity capital to assets | 9.4181% | 5,215 |
| Core capital (leverage) ratio | 9.2658% | 4,514 |
| Tier 1 risk-based capital ratio | 10.0877% | 6,928 |
| Total risk-based capital ratio | 11.1743% | 6,960 |
| Memoranda: | ||
| Average total assets | $120,283,750 | 4,419 |
| Average earning assets | $112,448,000 | 4,348 |
| Average equity | $11,411,250 | 4,713 |
| Average total loans | $103,688,250 | 3,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 2,134 |
| Cost of funding earning assets | 1.3926% | 1,453 |
| Net interest margin | 3.8395% | 3,587 |
| Noninterest income to average assets | 0.4401% | 4,344 |
| Noninterest expense to average assets | 2.5950% | 5,209 |
| Loan and lease loss provision to assets | 0.0423% | 5,782 |
| Net operating income to assets | 1.3373% | 1,221 |
| Return on assets (ROA) | 1.3373% | 1,296 |
| Pretax return on assets | 1.3965% | 1,804 |
| Return on Equity (ROE) | 14.0594% | 970 |
| Retained earnings to average equity (ytd only) | 10.1442% | 813 |
| Net charge-offs to loans | -0.0217% | 6,841 |
| Credit loss provision to net charge-offs | -227.2727% | 6,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0646% | 5,575 |
| Assets per employee ($millions) | 4.1511% | 3,450 |
| Cash dividends to net income (ytd only)* | 27.8481% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,928 |
| Loan loss allowance to noncurrent loans | 141.7892% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 5,544 |
| Noncurrent loans to loans | 0.7809% | 5,350 |
| Net loans and leases to total assets | 85.8419% | 146 |
| Net loans and leases to deposits | 102.0239% | 390 |
| Net loans and leases to core deposits | 104.9617% | 986 |
| Total domestic deposits to total assets | 84.1390% | 4,288 |
| Equity capital to assets | 9.5886% | 4,674 |
| Core capital (leverage) ratio | 9.2301% | 4,350 |
| Tier 1 risk-based capital ratio | 10.3154% | 6,866 |
| Total risk-based capital ratio | 11.4033% | 6,921 |
| Memoranda: | ||
| Average total assets | $118,151,330 | 4,510 |
| Average earning assets | $110,588,000 | 4,426 |
| Average equity | $11,238,000 | 4,755 |
| Average total loans | $101,426,000 | 3,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 2,331 |
| Cost of funding earning assets | 1.4537% | 1,370 |
| Net interest margin | 3.7199% | 3,999 |
| Noninterest income to average assets | 0.4272% | 4,480 |
| Noninterest expense to average assets | 2.5326% | 5,442 |
| Loan and lease loss provision to assets | 0.0342% | 5,547 |
| Net operating income to assets | 1.3500% | 1,152 |
| Return on assets (ROA) | 1.3500% | 1,204 |
| Pretax return on assets | 1.3500% | 1,883 |
| Return on Equity (ROE) | 14.2529% | 944 |
| Retained earnings to average equity (ytd only) | 13.3508% | 539 |
| Net charge-offs to loans | -0.0440% | 6,838 |
| Credit loss provision to net charge-offs | -90.9091% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3037% | 5,635 |
| Assets per employee ($millions) | 4.0371% | 3,765 |
| Cash dividends to net income (ytd only)* | 6.3291% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,982 |
| Loan loss allowance to noncurrent loans | 187.8289% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 5,942 |
| Noncurrent loans to loans | 0.5946% | 5,836 |
| Net loans and leases to total assets | 86.3644% | 118 |
| Net loans and leases to deposits | 99.6570% | 487 |
| Net loans and leases to core deposits | 102.5092% | 1,161 |
| Total domestic deposits to total assets | 86.6617% | 3,141 |
| Equity capital to assets | 9.6425% | 4,260 |
| Core capital (leverage) ratio | 9.2287% | 4,246 |
| Tier 1 risk-based capital ratio | 10.4484% | 6,833 |
| Total risk-based capital ratio | 11.5588% | 6,884 |
| Memoranda: | ||
| Average total assets | $117,035,500 | 4,559 |
| Average earning assets | $109,787,000 | 4,479 |
| Average equity | $11,085,500 | 4,778 |
| Average total loans | $99,891,000 | 3,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 1,953 |
| Cost of funding earning assets | 1.8512% | 995 |
| Net interest margin | 3.7346% | 4,210 |
| Noninterest income to average assets | 0.5255% | 3,987 |
| Noninterest expense to average assets | 2.6630% | 5,160 |
| Loan and lease loss provision to assets | 0.1587% | 5,621 |
| Net operating income to assets | 1.0820% | 1,754 |
| Return on assets (ROA) | 1.0820% | 1,848 |
| Pretax return on assets | 1.1798% | 2,292 |
| Return on Equity (ROE) | 11.5051% | 1,450 |
| Retained earnings to average equity (ytd only) | 4.2851% | 2,842 |
| Net charge-offs to loans | 0.0756% | 6,046 |
| Credit loss provision to net charge-offs | 246.5753% | 1,163 |
| Earnings coverage of net charge-offs (x) | 20.7945% | 986 |
| Efficiency ratio | 64.1913% | 5,315 |
| Assets per employee ($millions) | 4.1784% | 3,428 |
| Cash dividends to net income (ytd only)* | 62.7547% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,739 |
| Loan loss allowance to noncurrent loans | 236.0000% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 6,255 |
| Noncurrent loans to loans | 0.4870% | 6,067 |
| Net loans and leases to total assets | 82.4027% | 415 |
| Net loans and leases to deposits | 95.0769% | 945 |
| Net loans and leases to core deposits | 97.4596% | 1,848 |
| Total domestic deposits to total assets | 86.6695% | 2,997 |
| Equity capital to assets | 9.3013% | 4,689 |
| Core capital (leverage) ratio | 8.8373% | 4,796 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,752 |
| Total risk-based capital ratio | 11.5415% | 6,803 |
| Memoranda: | ||
| Average total assets | $113,405,400 | 4,629 |
| Average earning assets | $105,552,200 | 4,579 |
| Average equity | $10,664,800 | 4,943 |
| Average total loans | $96,606,200 | 3,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 1,826 |
| Cost of funding earning assets | 1.9089% | 1,004 |
| Net interest margin | 3.7565% | 4,157 |
| Noninterest income to average assets | 0.5060% | 4,134 |
| Noninterest expense to average assets | 2.6439% | 5,141 |
| Loan and lease loss provision to assets | 0.1920% | 5,125 |
| Net operating income to assets | 1.0915% | 1,916 |
| Return on assets (ROA) | 1.0915% | 2,025 |
| Pretax return on assets | 1.1590% | 2,641 |
| Return on Equity (ROE) | 11.5732% | 1,625 |
| Retained earnings to average equity (ytd only) | 3.3425% | 4,097 |
| Net charge-offs to loans | 0.0996% | 5,532 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 15.8329% | 1,418 |
| Efficiency ratio | 63.8090% | 5,279 |
| Assets per employee ($millions) | 4.0792% | 3,682 |
| Cash dividends to net income (ytd only)* | 71.1182% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,747 |
| Loan loss allowance to noncurrent loans | 181.5789% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 5,965 |
| Noncurrent loans to loans | 0.6288% | 5,946 |
| Net loans and leases to total assets | 83.6865% | 351 |
| Net loans and leases to deposits | 96.8940% | 892 |
| Net loans and leases to core deposits | 99.3710% | 1,906 |
| Total domestic deposits to total assets | 86.3690% | 2,878 |
| Equity capital to assets | 9.4644% | 4,898 |
| Core capital (leverage) ratio | 8.9531% | 4,758 |
| Tier 1 risk-based capital ratio | 10.2319% | 6,944 |
| Total risk-based capital ratio | 11.3470% | 6,997 |
| Memoranda: | ||
| Average total assets | $112,508,000 | 4,704 |
| Average earning assets | $104,491,250 | 4,652 |
| Average equity | $10,610,500 | 5,020 |
| Average total loans | $96,375,750 | 3,960 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 1,880 |
| Cost of funding earning assets | 1.9212% | 1,155 |
| Net interest margin | 3.7463% | 4,152 |
| Noninterest income to average assets | 0.4753% | 4,317 |
| Noninterest expense to average assets | 2.6443% | 5,153 |
| Loan and lease loss provision to assets | 0.2680% | 4,245 |
| Net operating income to assets | 1.0059% | 2,170 |
| Return on assets (ROA) | 1.0059% | 2,248 |
| Pretax return on assets | 1.0470% | 2,952 |
| Return on Equity (ROE) | 10.6791% | 1,866 |
| Retained earnings to average equity (ytd only) | 1.1950% | 5,272 |
| Net charge-offs to loans | -0.0270% | 7,331 |
| Credit loss provision to net charge-offs | -1,153.8462% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3953% | 5,258 |
| Assets per employee ($millions) | 4.0327% | 3,708 |
| Cash dividends to net income (ytd only)* | 88.8099% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,260 |
| Loan loss allowance to noncurrent loans | 143.0134% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 5,671 |
| Noncurrent loans to loans | 0.8639% | 5,542 |
| Net loans and leases to total assets | 83.3292% | 404 |
| Net loans and leases to deposits | 96.4858% | 1,006 |
| Net loans and leases to core deposits | 98.3681% | 2,189 |
| Total domestic deposits to total assets | 86.3642% | 2,891 |
| Equity capital to assets | 9.3477% | 4,935 |
| Core capital (leverage) ratio | 8.7677% | 4,977 |
| Tier 1 risk-based capital ratio | 10.1961% | 6,918 |
| Total risk-based capital ratio | 11.4082% | 6,905 |
| Memoranda: | ||
| Average total assets | $111,938,000 | 4,751 |
| Average earning assets | $104,102,670 | 4,689 |
| Average equity | $10,544,000 | 5,049 |
| Average total loans | $96,271,330 | 4,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 2,260 |
| Cost of funding earning assets | 1.9243% | 1,350 |
| Net interest margin | 3.6516% | 4,480 |
| Noninterest income to average assets | 0.4235% | 4,710 |
| Noninterest expense to average assets | 2.6559% | 5,123 |
| Loan and lease loss provision to assets | 0.2512% | 4,030 |
| Net operating income to assets | 0.9080% | 2,514 |
| Return on assets (ROA) | 0.9080% | 2,580 |
| Pretax return on assets | 0.9080% | 3,437 |
| Return on Equity (ROE) | 9.6029% | 2,247 |
| Retained earnings to average equity (ytd only) | 4.4788% | 3,473 |
| Net charge-offs to loans | 0.0165% | 5,351 |
| Credit loss provision to net charge-offs | 1,750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 385 |
| Efficiency ratio | 67.0743% | 4,902 |
| Assets per employee ($millions) | 4.1540% | 3,552 |
| Cash dividends to net income (ytd only)* | 53.3597% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,994 |
| Loan loss allowance to noncurrent loans | 154.0656% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,954 |
| Noncurrent loans to loans | 0.7155% | 5,897 |
| Net loans and leases to total assets | 86.3933% | 194 |
| Net loans and leases to deposits | 103.5744% | 552 |
| Net loans and leases to core deposits | 105.6674% | 1,602 |
| Total domestic deposits to total assets | 83.4118% | 4,420 |
| Equity capital to assets | 9.4501% | 4,615 |
| Core capital (leverage) ratio | 9.1481% | 4,302 |
| Tier 1 risk-based capital ratio | 10.0029% | 7,036 |
| Total risk-based capital ratio | 11.0910% | 7,125 |
| Memoranda: | ||
| Average total assets | $111,449,000 | 4,836 |
| Average earning assets | $103,516,000 | 4,766 |
| Average equity | $10,538,500 | 5,089 |
| Average total loans | $96,772,500 | 4,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 2,252 |
| Cost of funding earning assets | 2.2282% | 1,908 |
| Net interest margin | 3.6682% | 4,266 |
| Noninterest income to average assets | 0.5476% | 4,045 |
| Noninterest expense to average assets | 2.6869% | 5,446 |
| Loan and lease loss provision to assets | 0.1888% | 5,834 |
| Net operating income to assets | 1.0592% | 1,630 |
| Return on assets (ROA) | 1.0555% | 1,687 |
| Pretax return on assets | 1.0640% | 2,360 |
| Return on Equity (ROE) | 11.6093% | 1,262 |
| Retained earnings to average equity (ytd only) | 9.2210% | 462 |
| Net charge-offs to loans | 0.1756% | 5,545 |
| Credit loss provision to net charge-offs | 127.3885% | 4,067 |
| Earnings coverage of net charge-offs (x) | 8.4777% | 1,941 |
| Efficiency ratio | 65.5734% | 5,478 |
| Assets per employee ($millions) | 4.1015% | 3,609 |
| Cash dividends to net income (ytd only)* | 20.5725% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 6,083 |
| Loan loss allowance to noncurrent loans | 211.2500% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 6,377 |
| Noncurrent loans to loans | 0.5023% | 6,247 |
| Net loans and leases to total assets | 85.3838% | 319 |
| Net loans and leases to deposits | 99.7416% | 929 |
| Net loans and leases to core deposits | 115.4675% | 2,373 |
| Total domestic deposits to total assets | 85.6050% | 3,223 |
| Equity capital to assets | 9.4618% | 4,475 |
| Core capital (leverage) ratio | 8.9705% | 4,474 |
| Tier 1 risk-based capital ratio | 10.0639% | 6,817 |
| Total risk-based capital ratio | 11.1068% | 6,962 |
| Memoranda: | ||
| Average total assets | $105,921,800 | 4,928 |
| Average earning assets | $98,060,200 | 4,893 |
| Average equity | $9,630,200 | 5,405 |
| Average total loans | $89,400,400 | 4,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9484% | 2,236 |
| Cost of funding earning assets | 2.2914% | 2,013 |
| Net interest margin | 3.6571% | 4,245 |
| Noninterest income to average assets | 0.5004% | 4,475 |
| Noninterest expense to average assets | 2.7426% | 5,136 |
| Loan and lease loss provision to assets | 0.1401% | 5,958 |
| Net operating income to assets | 1.0033% | 2,043 |
| Return on assets (ROA) | 0.9982% | 2,123 |
| Pretax return on assets | 0.9982% | 2,910 |
| Return on Equity (ROE) | 11.0988% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.2675% | 1,055 |
| Net charge-offs to loans | 0.1609% | 5,106 |
| Credit loss provision to net charge-offs | 103.7736% | 4,903 |
| Earnings coverage of net charge-offs (x) | 8.4717% | 2,238 |
| Efficiency ratio | 67.9554% | 4,986 |
| Assets per employee ($millions) | 4.1603% | 3,444 |
| Cash dividends to net income (ytd only)* | 25.5101% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 5,944 |
| Loan loss allowance to noncurrent loans | 281.7919% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 6,685 |
| Noncurrent loans to loans | 0.3773% | 6,594 |
| Net loans and leases to total assets | 83.8871% | 554 |
| Net loans and leases to deposits | 101.5921% | 962 |
| Net loans and leases to core deposits | 117.2581% | 2,499 |
| Total domestic deposits to total assets | 82.5725% | 4,410 |
| Equity capital to assets | 9.4399% | 4,824 |
| Core capital (leverage) ratio | 8.8363% | 4,916 |
| Tier 1 risk-based capital ratio | 10.1167% | 6,865 |
| Total risk-based capital ratio | 11.1601% | 7,014 |
| Memoranda: | ||
| Average total assets | $104,717,250 | 4,998 |
| Average earning assets | $96,941,750 | 4,957 |
| Average equity | $9,418,250 | 5,514 |
| Average total loans | $87,858,500 | 4,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 2,359 |
| Cost of funding earning assets | 2.3210% | 2,270 |
| Net interest margin | 3.6347% | 4,227 |
| Noninterest income to average assets | 0.4944% | 4,494 |
| Noninterest expense to average assets | 2.7692% | 5,095 |
| Loan and lease loss provision to assets | 0.1352% | 5,722 |
| Net operating income to assets | 0.9559% | 2,261 |
| Return on assets (ROA) | 0.9482% | 2,382 |
| Pretax return on assets | 0.9482% | 3,185 |
| Return on Equity (ROE) | 10.7276% | 1,780 |
| Retained earnings to average equity (ytd only) | 7.3411% | 1,452 |
| Net charge-offs to loans | 0.1525% | 4,670 |
| Credit loss provision to net charge-offs | 106.0606% | 4,340 |
| Earnings coverage of net charge-offs (x) | 8.5606% | 2,242 |
| Efficiency ratio | 69.0845% | 4,965 |
| Assets per employee ($millions) | 3.9427% | 3,792 |
| Cash dividends to net income (ytd only)* | 31.5682% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,527 |
| Loan loss allowance to noncurrent loans | 563.5838% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 7,144 |
| Noncurrent loans to loans | 0.1970% | 7,023 |
| Net loans and leases to total assets | 81.5845% | 1,030 |
| Net loans and leases to deposits | 94.3263% | 2,044 |
| Net loans and leases to core deposits | 110.6088% | 3,318 |
| Total domestic deposits to total assets | 86.4918% | 2,511 |
| Equity capital to assets | 8.7681% | 5,644 |
| Core capital (leverage) ratio | 8.1708% | 6,028 |
| Tier 1 risk-based capital ratio | 9.6194% | 7,301 |
| Total risk-based capital ratio | 10.7064% | 7,381 |
| Memoranda: | ||
| Average total assets | $103,567,000 | 5,059 |
| Average earning assets | $95,909,000 | 5,009 |
| Average equity | $9,154,000 | 5,630 |
| Average total loans | $86,573,330 | 4,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 2,089 |
| Cost of funding earning assets | 2.3585% | 2,471 |
| Net interest margin | 3.7075% | 3,861 |
| Noninterest income to average assets | 0.5092% | 4,239 |
| Noninterest expense to average assets | 2.8162% | 4,493 |
| Loan and lease loss provision to assets | 0.1567% | 4,929 |
| Net operating income to assets | 0.9596% | 2,482 |
| Return on assets (ROA) | 0.9596% | 2,608 |
| Pretax return on assets | 0.9596% | 3,504 |
| Return on Equity (ROE) | 10.8120% | 2,023 |
| Retained earnings to average equity (ytd only) | 4.1924% | 3,580 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9243% | 4,788 |
| Assets per employee ($millions) | 3.8554% | 3,968 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,078 |
| Loan loss allowance to noncurrent loans | 222.1978% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 6,189 |
| Noncurrent loans to loans | 0.5204% | 6,125 |
| Net loans and leases to total assets | 83.0206% | 841 |
| Net loans and leases to deposits | 96.0084% | 1,946 |
| Net loans and leases to core deposits | 111.8123% | 3,240 |
| Total domestic deposits to total assets | 86.4722% | 2,464 |
| Equity capital to assets | 8.7601% | 5,679 |
| Core capital (leverage) ratio | 8.2019% | 6,098 |
| Tier 1 risk-based capital ratio | 9.4450% | 7,473 |
| Total risk-based capital ratio | 10.5873% | 7,528 |
| Memoranda: | ||
| Average total assets | $102,123,500 | 5,120 |
| Average earning assets | $94,296,500 | 5,079 |
| Average equity | $9,064,000 | 5,686 |
| Average total loans | $85,947,500 | 4,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6001% | 2,496 |
| Cost of funding earning assets | 2.9784% | 1,945 |
| Net interest margin | 3.6216% | 4,779 |
| Noninterest income to average assets | 0.5171% | 4,493 |
| Noninterest expense to average assets | 2.7645% | 4,991 |
| Loan and lease loss provision to assets | 0.0916% | 6,225 |
| Net operating income to assets | 0.9415% | 2,826 |
| Return on assets (ROA) | 0.9415% | 2,691 |
| Pretax return on assets | 0.9965% | 3,394 |
| Return on Equity (ROE) | 11.0770% | 1,880 |
| Retained earnings to average equity (ytd only) | 3.8919% | 2,706 |
| Net charge-offs to loans | 0.0247% | 6,497 |
| Credit loss provision to net charge-offs | 450.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 53.4500% | 732 |
| Efficiency ratio | 68.9300% | 4,555 |
| Assets per employee ($millions) | 3.5768% | 4,481 |
| Cash dividends to net income (ytd only)* | 64.8649% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,922 |
| Loan loss allowance to noncurrent loans | 302.4922% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 6,324 |
| Noncurrent loans to loans | 0.3801% | 6,215 |
| Net loans and leases to total assets | 83.3660% | 980 |
| Net loans and leases to deposits | 97.3372% | 2,225 |
| Net loans and leases to core deposits | 110.5812% | 3,725 |
| Total domestic deposits to total assets | 85.6465% | 2,566 |
| Equity capital to assets | 8.9955% | 5,371 |
| Core capital (leverage) ratio | 8.1893% | 6,185 |
| Tier 1 risk-based capital ratio | 9.6402% | 7,159 |
| Total risk-based capital ratio | 10.7763% | 7,200 |
| Memoranda: | ||
| Average total assets | $98,245,600 | 5,107 |
| Average earning assets | $90,483,800 | 5,065 |
| Average equity | $8,350,600 | 5,965 |
| Average total loans | $81,097,200 | 4,487 |