Home > Flatwater Bank > Performance and Condition Ratios
Flatwater 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 | 6.3060% | 810 |
| Cost of funding earning assets | 2.6866% | 613 |
| Net interest margin | 3.6195% | 2,042 |
| Noninterest income to average assets | 0.8100% | 802 |
| Noninterest expense to average assets | 2.2670% | 2,933 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.7092% | 739 |
| Return on assets (ROA) | 1.7092% | 740 |
| Pretax return on assets | 1.7370% | 1,048 |
| Return on Equity (ROE) | 20.6700% | 397 |
| Retained earnings to average equity (ytd only) | 12.6554% | 679 |
| Net charge-offs to loans | -0.0017% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.6645% | 3,537 |
| Assets per employee ($millions) | 7.6840% | 1,760 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 1,533 |
| Loan loss allowance to noncurrent loans | 364.3541% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,156 |
| Noncurrent loans to loans | 0.3678% | 2,201 |
| Net loans and leases to total assets | 74.8300% | 1,232 |
| Net loans and leases to deposits | 82.8943% | 1,803 |
| Net loans and leases to core deposits | 116.5546% | 640 |
| Total domestic deposits to total assets | 90.2700% | 731 |
| Equity capital to assets | 8.6466% | 3,195 |
| Core capital (leverage) ratio | 9.9618% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $301,898,000 | 2,471 |
| Average earning assets | $278,272,500 | 2,486 |
| Average equity | $24,969,500 | 2,688 |
| Average total loans | $228,926,500 | 2,227 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4596% | 745 |
| Cost of funding earning assets | 3.0719% | 428 |
| Net interest margin | 3.3877% | 2,307 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 2.5623% | 2,131 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.3810% | 1,106 |
| Return on assets (ROA) | 1.3810% | 1,106 |
| Pretax return on assets | 1.4098% | 1,487 |
| Return on Equity (ROE) | 17.2200% | 647 |
| Retained earnings to average equity (ytd only) | 8.7789% | 865 |
| Net charge-offs to loans | 0.0343% | 1,882 |
| Credit loss provision to net charge-offs | 417.3333% | 727 |
| Earnings coverage of net charge-offs (x) | 59.6933% | 1,104 |
| Efficiency ratio | 62.8311% | 2,848 |
| Assets per employee ($millions) | 7.6030% | 1,785 |
| Cash dividends to net income (ytd only)* | 49.0316% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 1,796 |
| Loan loss allowance to noncurrent loans | 887.3112% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 2,941 |
| Noncurrent loans to loans | 0.1436% | 2,953 |
| Net loans and leases to total assets | 74.8500% | 1,295 |
| Net loans and leases to deposits | 86.3152% | 1,566 |
| Net loans and leases to core deposits | 126.8140% | 423 |
| Total domestic deposits to total assets | 86.7100% | 1,966 |
| Equity capital to assets | 7.9005% | 3,564 |
| Core capital (leverage) ratio | 9.6230% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $295,363,400 | 2,486 |
| Average earning assets | $273,546,200 | 2,487 |
| Average equity | $23,681,800 | 2,716 |
| Average total loans | $218,533,200 | 2,252 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4111% | 774 |
| Cost of funding earning assets | 3.0882% | 435 |
| Net interest margin | 3.3229% | 2,404 |
| Noninterest income to average assets | 1.1900% | 455 |
| Noninterest expense to average assets | 2.3835% | 2,572 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.7523% | 637 |
| Return on assets (ROA) | 1.7523% | 639 |
| Pretax return on assets | 1.7814% | 894 |
| Return on Equity (ROE) | 21.7700% | 315 |
| Retained earnings to average equity (ytd only) | 13.2960% | 362 |
| Net charge-offs to loans | 0.0161% | 2,076 |
| Credit loss provision to net charge-offs | 903.8462% | 423 |
| Earnings coverage of net charge-offs (x) | 159.6923% | 596 |
| Efficiency ratio | 55.7969% | 3,565 |
| Assets per employee ($millions) | 7.8617% | 1,606 |
| Cash dividends to net income (ytd only)* | 38.9307% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 1,879 |
| Loan loss allowance to noncurrent loans | 1,571.8919% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,303 |
| Noncurrent loans to loans | 0.0805% | 3,283 |
| Net loans and leases to total assets | 74.0400% | 1,357 |
| Net loans and leases to deposits | 85.9878% | 1,646 |
| Net loans and leases to core deposits | 121.8915% | 558 |
| Total domestic deposits to total assets | 86.1100% | 1,891 |
| Equity capital to assets | 8.5807% | 3,340 |
| Core capital (leverage) ratio | 9.8452% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $293,174,500 | 2,493 |
| Average earning assets | $271,605,500 | 2,492 |
| Average equity | $23,595,500 | 2,717 |
| Average total loans | $215,525,750 | 2,260 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3549% | 762 |
| Cost of funding earning assets | 3.1214% | 377 |
| Net interest margin | 3.2335% | 2,562 |
| Noninterest income to average assets | 1.5000% | 355 |
| Noninterest expense to average assets | 2.4157% | 2,472 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.9391% | 477 |
| Return on assets (ROA) | 1.9391% | 480 |
| Pretax return on assets | 1.9688% | 670 |
| Return on Equity (ROE) | 24.6700% | 232 |
| Retained earnings to average equity (ytd only) | 15.8565% | 248 |
| Net charge-offs to loans | 0.0351% | 1,471 |
| Credit loss provision to net charge-offs | 424.3243% | 694 |
| Earnings coverage of net charge-offs (x) | 81.0541% | 872 |
| Efficiency ratio | 53.7619% | 3,771 |
| Assets per employee ($millions) | 7.5410% | 1,710 |
| Cash dividends to net income (ytd only)* | 35.7270% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,807.6923% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,303 |
| Noncurrent loans to loans | 0.0720% | 3,304 |
| Net loans and leases to total assets | 72.7500% | 1,562 |
| Net loans and leases to deposits | 80.9281% | 2,123 |
| Net loans and leases to core deposits | 117.0910% | 725 |
| Total domestic deposits to total assets | 89.9000% | 734 |
| Equity capital to assets | 8.0530% | 3,392 |
| Core capital (leverage) ratio | 10.0196% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $288,697,000 | 2,509 |
| Average earning assets | $267,510,333 | 2,509 |
| Average equity | $22,691,000 | 2,740 |
| Average total loans | $210,727,667 | 2,277 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24,212.0000% | 34 |
| Cost of funding earning assets | 78.0000% | 18 |
| Net interest margin | 1.0000% | 4,510 |
| Noninterest income to average assets | 0.0008% | 4,499 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.0252% | 1,873 |
| Pretax return on assets | 1.0546% | 2,243 |
| Return on Equity (ROE) | 13.2100% | 1,292 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0531% | 1,010 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 1.4038% | 4,554 |
| Assets per employee ($millions) | 0.0000% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0023% | 3,808 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 635.0000% | 43 |
| Total domestic deposits to total assets | 475.0000% | 10 |
| Equity capital to assets | 56,075.0000% | 14 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,429,000 | 4,570 |
| Average earning assets | $15,324 | 4,536 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8955% | 730 |
| Cost of funding earning assets | 2.1291% | 734 |
| Net interest margin | 3.7664% | 1,616 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.7995% | 1,500 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4965% | 1,025 |
| Return on assets (ROA) | 1.4965% | 996 |
| Pretax return on assets | 1.5306% | 1,355 |
| Return on Equity (ROE) | 17.9400% | 824 |
| Retained earnings to average equity (ytd only) | 8.2990% | 1,461 |
| Net charge-offs to loans | 0.0061% | 2,468 |
| Credit loss provision to net charge-offs | 118.1818% | 1,691 |
| Earnings coverage of net charge-offs (x) | 347.2727% | 387 |
| Efficiency ratio | 64.5739% | 2,536 |
| Assets per employee ($millions) | 7.3602% | 1,838 |
| Cash dividends to net income (ytd only)* | 53.7346% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 1,781 |
| Loan loss allowance to noncurrent loans | 1,011.2360% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,902 |
| Noncurrent loans to loans | 0.1283% | 2,875 |
| Net loans and leases to total assets | 71.5800% | 1,633 |
| Net loans and leases to deposits | 88.8639% | 1,352 |
| Net loans and leases to core deposits | 120.6961% | 600 |
| Total domestic deposits to total assets | 80.5400% | 3,373 |
| Equity capital to assets | 7.7621% | 3,566 |
| Core capital (leverage) ratio | 10.2485% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $248,720,400 | 2,688 |
| Average earning assets | $228,311,200 | 2,696 |
| Average equity | $20,749,400 | 2,794 |
| Average total loans | $179,144,800 | 2,452 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 681 |
| Cost of funding earning assets | 1.8849% | 876 |
| Net interest margin | 3.9196% | 1,363 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.8368% | 1,353 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.6291% | 892 |
| Return on assets (ROA) | 1.6291% | 881 |
| Pretax return on assets | 1.6648% | 1,229 |
| Return on Equity (ROE) | 19.1300% | 806 |
| Retained earnings to average equity (ytd only) | 9.3092% | 1,602 |
| Net charge-offs to loans | -0.0023% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9391% | 2,619 |
| Assets per employee ($millions) | 7.1785% | 1,834 |
| Cash dividends to net income (ytd only)* | 51.3347% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,445 |
| Loan loss allowance to noncurrent loans | 2,683.1683% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,411 |
| Noncurrent loans to loans | 0.0522% | 3,383 |
| Net loans and leases to total assets | 73.8800% | 1,352 |
| Net loans and leases to deposits | 93.9446% | 898 |
| Net loans and leases to core deposits | 113.1339% | 765 |
| Total domestic deposits to total assets | 78.6400% | 3,745 |
| Equity capital to assets | 7.6273% | 3,277 |
| Core capital (leverage) ratio | 10.8642% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,138,750 | 2,752 |
| Average earning assets | $219,065,500 | 2,758 |
| Average equity | $20,366,500 | 2,812 |
| Average total loans | $171,892,250 | 2,515 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 689 |
| Cost of funding earning assets | 1.6788% | 915 |
| Net interest margin | 3.9705% | 1,294 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 2.7837% | 1,453 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.7653% | 700 |
| Return on assets (ROA) | 1.7653% | 700 |
| Pretax return on assets | 1.8022% | 1,004 |
| Return on Equity (ROE) | 19.9600% | 709 |
| Retained earnings to average equity (ytd only) | 10.2405% | 1,345 |
| Net charge-offs to loans | 0.0012% | 2,361 |
| Credit loss provision to net charge-offs | 700.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 2,104.0000% | 64 |
| Efficiency ratio | 60.6214% | 2,882 |
| Assets per employee ($millions) | 6.2879% | 2,473 |
| Cash dividends to net income (ytd only)* | 48.6855% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 973 |
| Loan loss allowance to noncurrent loans | 847.3354% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,614 |
| Noncurrent loans to loans | 0.1862% | 2,538 |
| Net loans and leases to total assets | 70.5700% | 1,680 |
| Net loans and leases to deposits | 86.9819% | 1,426 |
| Net loans and leases to core deposits | 97.0214% | 1,411 |
| Total domestic deposits to total assets | 81.1400% | 3,404 |
| Equity capital to assets | 8.8293% | 2,639 |
| Core capital (leverage) ratio | 11.3080% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $232,709,333 | 2,797 |
| Average earning assets | $212,415,333 | 2,808 |
| Average equity | $20,585,000 | 2,810 |
| Average total loans | $164,647,000 | 2,562 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 719 |
| Cost of funding earning assets | 1.5058% | 837 |
| Net interest margin | 3.8925% | 1,494 |
| Noninterest income to average assets | 1.0600% | 531 |
| Noninterest expense to average assets | 2.8816% | 1,273 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6899% | 837 |
| Return on assets (ROA) | 1.6899% | 831 |
| Pretax return on assets | 1.7265% | 1,222 |
| Return on Equity (ROE) | 19.0900% | 873 |
| Retained earnings to average equity (ytd only) | 9.2479% | 1,873 |
| Net charge-offs to loans | -0.0025% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4622% | 2,638 |
| Assets per employee ($millions) | 5.9944% | 2,764 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 845 |
| Loan loss allowance to noncurrent loans | 1,788.7417% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,137 |
| Noncurrent loans to loans | 0.0942% | 3,077 |
| Net loans and leases to total assets | 69.1600% | 1,710 |
| Net loans and leases to deposits | 80.6203% | 1,774 |
| Net loans and leases to core deposits | 89.4405% | 1,652 |
| Total domestic deposits to total assets | 85.7800% | 2,656 |
| Equity capital to assets | 9.1550% | 2,405 |
| Core capital (leverage) ratio | 11.3885% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $229,593,000 | 2,845 |
| Average earning assets | $209,326,500 | 2,864 |
| Average equity | $20,329,000 | 2,858 |
| Average total loans | $161,304,000 | 2,609 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 595 |
| Cost of funding earning assets | 0.5196% | 1,271 |
| Net interest margin | 4.0999% | 656 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 2.8869% | 1,144 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.6491% | 606 |
| Return on assets (ROA) | 1.5816% | 687 |
| Pretax return on assets | 1.6217% | 1,109 |
| Return on Equity (ROE) | 15.8400% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.7060% | 2,363 |
| Net charge-offs to loans | -0.0442% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.8986% | 2,643 |
| Assets per employee ($millions) | 6.2540% | 2,550 |
| Cash dividends to net income (ytd only)* | 57.6535% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 856 |
| Loan loss allowance to noncurrent loans | 1,254.4186% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,899 |
| Noncurrent loans to loans | 0.1324% | 2,852 |
| Net loans and leases to total assets | 69.0000% | 1,731 |
| Net loans and leases to deposits | 85.0021% | 1,389 |
| Net loans and leases to core deposits | 94.5852% | 1,268 |
| Total domestic deposits to total assets | 81.1800% | 3,733 |
| Equity capital to assets | 8.5585% | 2,671 |
| Core capital (leverage) ratio | 11.4558% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $219,333,200 | 2,907 |
| Average earning assets | $196,299,800 | 2,964 |
| Average equity | $21,905,800 | 2,780 |
| Average total loans | $140,126,200 | 2,725 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 566 |
| Cost of funding earning assets | 0.3748% | 1,485 |
| Net interest margin | 4.0408% | 592 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.8926% | 1,073 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6053% | 651 |
| Return on assets (ROA) | 1.5150% | 798 |
| Pretax return on assets | 1.5582% | 1,237 |
| Return on Equity (ROE) | 14.6100% | 1,257 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,858 |
| Net charge-offs to loans | -0.0743% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4618% | 2,627 |
| Assets per employee ($millions) | 6.2376% | 2,544 |
| Cash dividends to net income (ytd only)* | 61.0252% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 734 |
| Loan loss allowance to noncurrent loans | 1,137.3950% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 2,869 |
| Noncurrent loans to loans | 0.1580% | 2,819 |
| Net loans and leases to total assets | 67.7700% | 1,703 |
| Net loans and leases to deposits | 81.1510% | 1,511 |
| Net loans and leases to core deposits | 87.7300% | 1,429 |
| Total domestic deposits to total assets | 83.5200% | 3,603 |
| Equity capital to assets | 8.5400% | 2,518 |
| Core capital (leverage) ratio | 10.6964% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,317,250 | 2,955 |
| Average earning assets | $192,793,250 | 3,006 |
| Average equity | $22,431,250 | 2,782 |
| Average total loans | $134,565,250 | 2,786 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 655 |
| Cost of funding earning assets | 0.3447% | 1,318 |
| Net interest margin | 3.8404% | 687 |
| Noninterest income to average assets | 0.9849% | 693 |
| Noninterest expense to average assets | 2.8694% | 1,038 |
| Loan and lease loss provision to assets | 0.0176% | 2,286 |
| Net operating income to assets | 1.4542% | 787 |
| Return on assets (ROA) | 1.4542% | 766 |
| Pretax return on assets | 1.4978% | 1,173 |
| Return on Equity (ROE) | 13.2356% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.7945% | 2,784 |
| Net charge-offs to loans | -0.1006% | 4,444 |
| Credit loss provision to net charge-offs | -29.2308% | 3,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4399% | 2,591 |
| Assets per employee ($millions) | 5.2749% | 3,451 |
| Cash dividends to net income (ytd only)* | 63.7755% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 521 |
| Loan loss allowance to noncurrent loans | 450.9213% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,888 |
| Noncurrent loans to loans | 0.4489% | 1,773 |
| Net loans and leases to total assets | 61.7614% | 2,147 |
| Net loans and leases to deposits | 69.0581% | 2,299 |
| Net loans and leases to core deposits | 74.4932% | 2,130 |
| Total domestic deposits to total assets | 89.4339% | 1,986 |
| Equity capital to assets | 9.7699% | 1,841 |
| Core capital (leverage) ratio | 11.4740% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,651,333 | 2,984 |
| Average earning assets | $190,918,000 | 3,057 |
| Average equity | $23,693,667 | 2,766 |
| Average total loans | $129,197,667 | 2,854 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 797 |
| Cost of funding earning assets | 0.3400% | 1,285 |
| Net interest margin | 3.6439% | 830 |
| Noninterest income to average assets | 1.0607% | 608 |
| Noninterest expense to average assets | 2.8443% | 1,072 |
| Loan and lease loss provision to assets | 0.0257% | 1,903 |
| Net operating income to assets | 1.3304% | 939 |
| Return on assets (ROA) | 1.3304% | 930 |
| Pretax return on assets | 1.3763% | 1,309 |
| Return on Equity (ROE) | 11.4927% | 1,460 |
| Retained earnings to average equity (ytd only) | 3.5667% | 3,090 |
| Net charge-offs to loans | -0.1571% | 4,555 |
| Credit loss provision to net charge-offs | -28.0000% | 2,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9836% | 2,639 |
| Assets per employee ($millions) | 6.3223% | 2,531 |
| Cash dividends to net income (ytd only)* | 68.9655% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 494 |
| Loan loss allowance to noncurrent loans | 95.7706% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 336 |
| Noncurrent loans to loans | 2.2323% | 298 |
| Net loans and leases to total assets | 55.2750% | 2,603 |
| Net loans and leases to deposits | 62.1380% | 2,705 |
| Net loans and leases to core deposits | 69.4972% | 2,335 |
| Total domestic deposits to total assets | 88.9552% | 2,105 |
| Equity capital to assets | 10.3800% | 1,639 |
| Core capital (leverage) ratio | 10.9874% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,979,000 | 2,980 |
| Average earning assets | $190,564,500 | 3,076 |
| Average equity | $25,233,500 | 2,755 |
| Average total loans | $127,293,500 | 2,877 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 489 |
| Cost of funding earning assets | 0.4131% | 1,449 |
| Net interest margin | 4.2070% | 479 |
| Noninterest income to average assets | 0.8980% | 1,204 |
| Noninterest expense to average assets | 3.0126% | 957 |
| Loan and lease loss provision to assets | 0.1769% | 651 |
| Net operating income to assets | 1.3037% | 1,586 |
| Return on assets (ROA) | 1.3037% | 1,625 |
| Pretax return on assets | 1.3450% | 2,219 |
| Return on Equity (ROE) | 10.2342% | 2,441 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,311 |
| Net charge-offs to loans | 0.4035% | 206 |
| Credit loss provision to net charge-offs | 72.4203% | 1,998 |
| Earnings coverage of net charge-offs (x) | 6.2289% | 2,411 |
| Efficiency ratio | 66.4375% | 2,206 |
| Assets per employee ($millions) | 5.6494% | 3,119 |
| Cash dividends to net income (ytd only)* | 63.2911% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 592 |
| Loan loss allowance to noncurrent loans | 242.6047% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 1,328 |
| Noncurrent loans to loans | 0.8295% | 1,226 |
| Net loans and leases to total assets | 59.1558% | 2,250 |
| Net loans and leases to deposits | 68.3771% | 2,274 |
| Net loans and leases to core deposits | 77.4566% | 1,807 |
| Total domestic deposits to total assets | 86.5142% | 2,708 |
| Equity capital to assets | 12.8090% | 958 |
| Core capital (leverage) ratio | 10.9807% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,147,600 | 2,924 |
| Average earning assets | $188,568,600 | 3,043 |
| Average equity | $27,789,200 | 2,662 |
| Average total loans | $132,096,800 | 2,828 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 436 |
| Cost of funding earning assets | 0.4329% | 1,466 |
| Net interest margin | 4.3278% | 427 |
| Noninterest income to average assets | 0.8791% | 1,295 |
| Noninterest expense to average assets | 2.6950% | 1,603 |
| Loan and lease loss provision to assets | 0.2315% | 419 |
| Net operating income to assets | 1.6120% | 1,010 |
| Return on assets (ROA) | 1.6120% | 1,047 |
| Pretax return on assets | 1.6534% | 1,543 |
| Return on Equity (ROE) | 12.6717% | 1,813 |
| Retained earnings to average equity (ytd only) | 4.0580% | 3,559 |
| Net charge-offs to loans | 0.0914% | 788 |
| Credit loss provision to net charge-offs | 417.5824% | 839 |
| Earnings coverage of net charge-offs (x) | 34.0220% | 1,456 |
| Efficiency ratio | 58.8462% | 3,147 |
| Assets per employee ($millions) | 5.3632% | 3,338 |
| Cash dividends to net income (ytd only)* | 67.9758% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3559% | 356 |
| Loan loss allowance to noncurrent loans | 132.8677% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 594 |
| Noncurrent loans to loans | 1.7731% | 550 |
| Net loans and leases to total assets | 58.8094% | 2,394 |
| Net loans and leases to deposits | 68.0159% | 2,433 |
| Net loans and leases to core deposits | 77.1110% | 1,954 |
| Total domestic deposits to total assets | 86.4642% | 2,576 |
| Equity capital to assets | 12.7555% | 1,070 |
| Core capital (leverage) ratio | 10.9257% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,015,250 | 2,943 |
| Average earning assets | $187,279,250 | 3,087 |
| Average equity | $27,862,000 | 2,692 |
| Average total loans | $132,720,500 | 2,856 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 265 |
| Cost of funding earning assets | 0.4612% | 1,440 |
| Net interest margin | 4.7138% | 256 |
| Noninterest income to average assets | 0.8607% | 1,373 |
| Noninterest expense to average assets | 2.6520% | 1,719 |
| Loan and lease loss provision to assets | 0.3383% | 227 |
| Net operating income to assets | 1.7786% | 749 |
| Return on assets (ROA) | 1.7786% | 786 |
| Pretax return on assets | 1.8194% | 1,190 |
| Return on Equity (ROE) | 13.9931% | 1,413 |
| Retained earnings to average equity (ytd only) | 4.7167% | 3,295 |
| Net charge-offs to loans | 0.0493% | 1,134 |
| Credit loss provision to net charge-offs | 1,130.3030% | 438 |
| Earnings coverage of net charge-offs (x) | 72.0909% | 888 |
| Efficiency ratio | 55.1386% | 3,652 |
| Assets per employee ($millions) | 5.5152% | 3,108 |
| Cash dividends to net income (ytd only)* | 66.2927% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 325 |
| Loan loss allowance to noncurrent loans | 35.0629% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 4.0012% | 54 |
| Noncurrent loans to loans | 6.7409% | 45 |
| Net loans and leases to total assets | 57.9546% | 2,675 |
| Net loans and leases to deposits | 66.9372% | 2,729 |
| Net loans and leases to core deposits | 74.7397% | 2,354 |
| Total domestic deposits to total assets | 86.5807% | 2,515 |
| Equity capital to assets | 12.7621% | 1,024 |
| Core capital (leverage) ratio | 10.4804% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,511,333 | 2,936 |
| Average earning assets | $184,734,667 | 3,107 |
| Average equity | $28,028,000 | 2,672 |
| Average total loans | $133,892,000 | 2,850 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 172 |
| Cost of funding earning assets | 0.5018% | 1,386 |
| Net interest margin | 5.0995% | 166 |
| Noninterest income to average assets | 0.8146% | 1,547 |
| Noninterest expense to average assets | 2.7143% | 1,591 |
| Loan and lease loss provision to assets | 0.3393% | 247 |
| Net operating income to assets | 1.9232% | 634 |
| Return on assets (ROA) | 1.9232% | 679 |
| Pretax return on assets | 1.9650% | 1,005 |
| Return on Equity (ROE) | 15.1618% | 1,180 |
| Retained earnings to average equity (ytd only) | 9.4404% | 1,815 |
| Net charge-offs to loans | 0.1477% | 520 |
| Credit loss provision to net charge-offs | 374.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,156 |
| Efficiency ratio | 54.0853% | 3,772 |
| Assets per employee ($millions) | 5.6039% | 3,018 |
| Cash dividends to net income (ytd only)* | 37.7358% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 402 |
| Loan loss allowance to noncurrent loans | 104.5175% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2344% | 600 |
| Noncurrent loans to loans | 2.1380% | 478 |
| Net loans and leases to total assets | 56.4467% | 2,980 |
| Net loans and leases to deposits | 64.9184% | 3,036 |
| Net loans and leases to core deposits | 71.6544% | 2,732 |
| Total domestic deposits to total assets | 86.9501% | 2,330 |
| Equity capital to assets | 12.4124% | 1,112 |
| Core capital (leverage) ratio | 10.5919% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,463,500 | 2,923 |
| Average earning assets | $181,742,500 | 3,117 |
| Average equity | $27,965,000 | 2,673 |
| Average total loans | $135,364,500 | 2,832 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 358 |
| Cost of funding earning assets | 0.8418% | 1,048 |
| Net interest margin | 4.3168% | 492 |
| Noninterest income to average assets | 0.7616% | 1,651 |
| Noninterest expense to average assets | 2.7471% | 2,087 |
| Loan and lease loss provision to assets | 0.3657% | 911 |
| Net operating income to assets | 1.2948% | 1,264 |
| Return on assets (ROA) | 1.4429% | 1,010 |
| Pretax return on assets | 1.4803% | 1,408 |
| Return on Equity (ROE) | 11.9088% | 1,347 |
| Retained earnings to average equity (ytd only) | 8.9279% | 786 |
| Net charge-offs to loans | 0.5003% | 317 |
| Credit loss provision to net charge-offs | 108.2888% | 2,739 |
| Earnings coverage of net charge-offs (x) | 5.0147% | 2,914 |
| Efficiency ratio | 61.8646% | 3,165 |
| Assets per employee ($millions) | 5.7045% | 2,622 |
| Cash dividends to net income (ytd only)* | 25.0313% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 648 |
| Loan loss allowance to noncurrent loans | 66.9096% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 310 |
| Noncurrent loans to loans | 2.9128% | 299 |
| Net loans and leases to total assets | 63.9174% | 2,376 |
| Net loans and leases to deposits | 74.0045% | 2,481 |
| Net loans and leases to core deposits | 83.9310% | 2,037 |
| Total domestic deposits to total assets | 86.3695% | 2,199 |
| Equity capital to assets | 12.9662% | 1,100 |
| Core capital (leverage) ratio | 9.9106% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,504,000 | 2,783 |
| Average earning assets | $188,772,200 | 2,918 |
| Average equity | $26,837,200 | 2,686 |
| Average total loans | $149,524,200 | 2,668 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 296 |
| Cost of funding earning assets | 0.9147% | 1,021 |
| Net interest margin | 4.4554% | 426 |
| Noninterest income to average assets | 0.7317% | 1,700 |
| Noninterest expense to average assets | 2.6296% | 2,448 |
| Loan and lease loss provision to assets | 0.3633% | 1,025 |
| Net operating income to assets | 1.4871% | 932 |
| Return on assets (ROA) | 1.6854% | 658 |
| Pretax return on assets | 1.7178% | 932 |
| Return on Equity (ROE) | 14.1526% | 852 |
| Retained earnings to average equity (ytd only) | 11.1361% | 547 |
| Net charge-offs to loans | 0.1821% | 822 |
| Credit loss provision to net charge-offs | 293.2367% | 1,787 |
| Earnings coverage of net charge-offs (x) | 15.1594% | 2,115 |
| Efficiency ratio | 58.3267% | 3,622 |
| Assets per employee ($millions) | 6.3499% | 1,956 |
| Cash dividends to net income (ytd only)* | 21.3144% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 474 |
| Loan loss allowance to noncurrent loans | 31.0355% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 4.2418% | 76 |
| Noncurrent loans to loans | 6.5288% | 63 |
| Net loans and leases to total assets | 63.6545% | 2,807 |
| Net loans and leases to deposits | 74.1150% | 2,941 |
| Net loans and leases to core deposits | 93.4187% | 1,680 |
| Total domestic deposits to total assets | 85.8861% | 2,121 |
| Equity capital to assets | 12.0581% | 1,640 |
| Core capital (leverage) ratio | 9.9376% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,687,000 | 2,757 |
| Average earning assets | $188,768,000 | 2,901 |
| Average equity | $26,519,750 | 2,696 |
| Average total loans | $151,578,000 | 2,653 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6546% | 251 |
| Cost of funding earning assets | 1.0248% | 916 |
| Net interest margin | 4.6298% | 396 |
| Noninterest income to average assets | 0.7319% | 1,635 |
| Noninterest expense to average assets | 2.7283% | 2,297 |
| Loan and lease loss provision to assets | 0.3705% | 1,127 |
| Net operating income to assets | 1.5908% | 776 |
| Return on assets (ROA) | 1.8939% | 450 |
| Pretax return on assets | 1.9268% | 645 |
| Return on Equity (ROE) | 15.9745% | 568 |
| Retained earnings to average equity (ytd only) | 12.8876% | 370 |
| Net charge-offs to loans | -0.0119% | 4,254 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8468% | 3,709 |
| Assets per employee ($millions) | 5.4158% | 2,722 |
| Cash dividends to net income (ytd only)* | 19.3237% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 441 |
| Loan loss allowance to noncurrent loans | 35.6839% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 3.9212% | 93 |
| Noncurrent loans to loans | 5.5844% | 86 |
| Net loans and leases to total assets | 68.8177% | 2,211 |
| Net loans and leases to deposits | 80.5046% | 2,367 |
| Net loans and leases to core deposits | 102.5832% | 1,086 |
| Total domestic deposits to total assets | 85.4829% | 2,210 |
| Equity capital to assets | 12.4175% | 1,419 |
| Core capital (leverage) ratio | 9.8234% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,601,000 | 2,765 |
| Average earning assets | $188,129,667 | 2,886 |
| Average equity | $25,916,333 | 2,725 |
| Average total loans | $151,222,000 | 2,649 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 510 |
| Cost of funding earning assets | 1.1956% | 784 |
| Net interest margin | 4.1439% | 1,039 |
| Noninterest income to average assets | 0.7949% | 1,331 |
| Noninterest expense to average assets | 2.4880% | 3,307 |
| Loan and lease loss provision to assets | 0.3726% | 832 |
| Net operating income to assets | 1.4935% | 796 |
| Return on assets (ROA) | 2.1044% | 243 |
| Pretax return on assets | 2.1376% | 346 |
| Return on Equity (ROE) | 18.1920% | 257 |
| Retained earnings to average equity (ytd only) | 15.0032% | 191 |
| Net charge-offs to loans | -0.0134% | 4,183 |
| Credit loss provision to net charge-offs | -4,040.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8718% | 4,127 |
| Assets per employee ($millions) | 5.2841% | 2,344 |
| Cash dividends to net income (ytd only)* | 17.5285% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 532 |
| Loan loss allowance to noncurrent loans | 55.3098% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.4210% | 293 |
| Noncurrent loans to loans | 3.5580% | 257 |
| Net loans and leases to total assets | 66.7039% | 2,732 |
| Net loans and leases to deposits | 81.6260% | 2,504 |
| Net loans and leases to core deposits | 108.7234% | 911 |
| Total domestic deposits to total assets | 81.7189% | 3,488 |
| Equity capital to assets | 12.0254% | 2,048 |
| Core capital (leverage) ratio | 10.2157% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,877,000 | 2,731 |
| Average earning assets | $187,361,000 | 2,854 |
| Average equity | $25,088,000 | 2,770 |
| Average total loans | $148,875,000 | 2,650 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 491 |
| Cost of funding earning assets | 1.3161% | 740 |
| Net interest margin | 4.2647% | 1,172 |
| Noninterest income to average assets | 0.8032% | 1,446 |
| Noninterest expense to average assets | 2.8667% | 2,390 |
| Loan and lease loss provision to assets | 0.4314% | 321 |
| Net operating income to assets | 1.2784% | 1,779 |
| Return on assets (ROA) | 1.2784% | 1,852 |
| Pretax return on assets | 1.3174% | 2,449 |
| Return on Equity (ROE) | 11.8751% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.1255% | 1,807 |
| Net charge-offs to loans | 0.3143% | 660 |
| Credit loss provision to net charge-offs | 195.2586% | 1,354 |
| Earnings coverage of net charge-offs (x) | 7.9159% | 2,827 |
| Efficiency ratio | 62.1106% | 3,360 |
| Assets per employee ($millions) | 6.5789% | 1,241 |
| Cash dividends to net income (ytd only)* | 48.4171% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 673 |
| Loan loss allowance to noncurrent loans | 49.2862% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.5168% | 256 |
| Noncurrent loans to loans | 3.6345% | 219 |
| Net loans and leases to total assets | 68.0052% | 2,681 |
| Net loans and leases to deposits | 83.6669% | 2,366 |
| Net loans and leases to core deposits | 112.0061% | 756 |
| Total domestic deposits to total assets | 81.2809% | 3,706 |
| Equity capital to assets | 11.1113% | 2,897 |
| Core capital (leverage) ratio | 9.6116% | 3,950 |
| Tier 1 risk-based capital ratio | 11.3901% | 4,692 |
| Total risk-based capital ratio | 12.6437% | 4,565 |
| Memoranda: | ||
| Average total assets | $210,035,400 | 2,761 |
| Average earning assets | $187,751,600 | 2,818 |
| Average equity | $22,610,400 | 2,901 |
| Average total loans | $147,623,600 | 2,646 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 513 |
| Cost of funding earning assets | 1.3214% | 738 |
| Net interest margin | 4.2614% | 1,247 |
| Noninterest income to average assets | 0.7695% | 1,522 |
| Noninterest expense to average assets | 2.8783% | 2,326 |
| Loan and lease loss provision to assets | 0.3630% | 362 |
| Net operating income to assets | 1.3130% | 1,800 |
| Return on assets (ROA) | 1.3130% | 1,878 |
| Pretax return on assets | 1.3476% | 2,507 |
| Return on Equity (ROE) | 12.3001% | 1,512 |
| Retained earnings to average equity (ytd only) | 6.3030% | 2,222 |
| Net charge-offs to loans | 0.2876% | 613 |
| Credit loss provision to net charge-offs | 178.8644% | 1,438 |
| Earnings coverage of net charge-offs (x) | 8.4289% | 2,657 |
| Efficiency ratio | 62.7232% | 3,212 |
| Assets per employee ($millions) | 5.4576% | 2,065 |
| Cash dividends to net income (ytd only)* | 48.7567% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 816 |
| Loan loss allowance to noncurrent loans | 56.7893% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 434 |
| Noncurrent loans to loans | 2.9969% | 329 |
| Net loans and leases to total assets | 66.1694% | 3,025 |
| Net loans and leases to deposits | 80.5203% | 2,847 |
| Net loans and leases to core deposits | 88.0080% | 2,730 |
| Total domestic deposits to total assets | 82.1772% | 3,421 |
| Equity capital to assets | 11.1917% | 2,941 |
| Core capital (leverage) ratio | 9.4239% | 4,259 |
| Tier 1 risk-based capital ratio | 11.4574% | 4,687 |
| Total risk-based capital ratio | 12.7096% | 4,590 |
| Memoranda: | ||
| Average total assets | $208,268,250 | 2,794 |
| Average earning assets | $186,665,000 | 2,852 |
| Average equity | $22,232,250 | 2,962 |
| Average total loans | $146,945,750 | 2,675 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5399% | 529 |
| Cost of funding earning assets | 1.2938% | 754 |
| Net interest margin | 4.2461% | 1,247 |
| Noninterest income to average assets | 0.7565% | 1,494 |
| Noninterest expense to average assets | 2.9079% | 2,262 |
| Loan and lease loss provision to assets | 0.3299% | 400 |
| Net operating income to assets | 1.3246% | 1,676 |
| Return on assets (ROA) | 1.3246% | 1,731 |
| Pretax return on assets | 1.3598% | 2,348 |
| Return on Equity (ROE) | 12.7744% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.1848% | 2,199 |
| Net charge-offs to loans | 0.2763% | 613 |
| Credit loss provision to net charge-offs | 166.5025% | 1,387 |
| Earnings coverage of net charge-offs (x) | 8.5271% | 2,405 |
| Efficiency ratio | 63.2484% | 3,247 |
| Assets per employee ($millions) | 5.8782% | 1,636 |
| Cash dividends to net income (ytd only)* | 51.5844% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 1,011 |
| Loan loss allowance to noncurrent loans | 52.4040% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.1525% | 402 |
| Noncurrent loans to loans | 3.0702% | 324 |
| Net loans and leases to total assets | 68.9811% | 2,681 |
| Net loans and leases to deposits | 84.0773% | 2,489 |
| Net loans and leases to core deposits | 93.2313% | 2,308 |
| Total domestic deposits to total assets | 82.0448% | 3,503 |
| Equity capital to assets | 10.4623% | 3,548 |
| Core capital (leverage) ratio | 8.4456% | 4,983 |
| Tier 1 risk-based capital ratio | 10.7319% | 5,025 |
| Total risk-based capital ratio | 11.9836% | 4,941 |
| Memoranda: | ||
| Average total assets | $204,888,000 | 2,830 |
| Average earning assets | $185,345,330 | 2,870 |
| Average equity | $21,245,670 | 3,041 |
| Average total loans | $146,943,670 | 2,689 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 513 |
| Cost of funding earning assets | 1.2811% | 703 |
| Net interest margin | 4.2329% | 1,235 |
| Noninterest income to average assets | 0.7602% | 1,397 |
| Noninterest expense to average assets | 2.8106% | 2,533 |
| Loan and lease loss provision to assets | 0.3354% | 364 |
| Net operating income to assets | 1.3954% | 1,393 |
| Return on assets (ROA) | 1.3954% | 1,424 |
| Pretax return on assets | 1.4311% | 1,986 |
| Return on Equity (ROE) | 13.5202% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.8273% | 2,534 |
| Net charge-offs to loans | 0.5553% | 270 |
| Credit loss provision to net charge-offs | 83.2512% | 1,764 |
| Earnings coverage of net charge-offs (x) | 4.3842% | 2,327 |
| Efficiency ratio | 61.4050% | 3,624 |
| Assets per employee ($millions) | 5.5872% | 1,896 |
| Cash dividends to net income (ytd only)* | 56.8990% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,237 |
| Loan loss allowance to noncurrent loans | 65.7668% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 691 |
| Noncurrent loans to loans | 2.3286% | 582 |
| Net loans and leases to total assets | 68.9534% | 2,629 |
| Net loans and leases to deposits | 82.5798% | 2,554 |
| Net loans and leases to core deposits | 91.2032% | 2,377 |
| Total domestic deposits to total assets | 83.4991% | 3,219 |
| Equity capital to assets | 10.2632% | 3,561 |
| Core capital (leverage) ratio | 9.3463% | 4,319 |
| Tier 1 risk-based capital ratio | 11.1462% | 4,912 |
| Total risk-based capital ratio | 12.3969% | 4,824 |
| Memoranda: | ||
| Average total assets | $201,524,000 | 2,892 |
| Average earning assets | $181,721,500 | 2,934 |
| Average equity | $20,798,500 | 3,082 |
| Average total loans | $146,234,500 | 2,729 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 789 |
| Cost of funding earning assets | 0.7453% | 1,816 |
| Net interest margin | 4.3892% | 962 |
| Noninterest income to average assets | 0.9552% | 1,053 |
| Noninterest expense to average assets | 2.9621% | 2,160 |
| Loan and lease loss provision to assets | 0.2567% | 664 |
| Net operating income to assets | 1.6953% | 705 |
| Return on assets (ROA) | 1.6953% | 698 |
| Pretax return on assets | 1.7350% | 1,083 |
| Return on Equity (ROE) | 14.1067% | 1,023 |
| Retained earnings to average equity (ytd only) | 7.4958% | 1,460 |
| Net charge-offs to loans | -0.0440% | 4,936 |
| Credit loss provision to net charge-offs | -792.4528% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7952% | 3,893 |
| Assets per employee ($millions) | 6.3329% | 1,301 |
| Cash dividends to net income (ytd only)* | 46.8637% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,244 |
| Loan loss allowance to noncurrent loans | 214.7901% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,462 |
| Noncurrent loans to loans | 0.7050% | 2,226 |
| Net loans and leases to total assets | 74.5681% | 1,828 |
| Net loans and leases to deposits | 94.1682% | 1,258 |
| Net loans and leases to core deposits | 106.6678% | 1,216 |
| Total domestic deposits to total assets | 79.1860% | 4,273 |
| Equity capital to assets | 10.3810% | 3,302 |
| Core capital (leverage) ratio | 12.3688% | 1,527 |
| Tier 1 risk-based capital ratio | 11.5839% | 4,677 |
| Total risk-based capital ratio | 12.8350% | 4,576 |
| Memoranda: | ||
| Average total assets | $163,632,800 | 3,231 |
| Average earning assets | $149,069,800 | 3,255 |
| Average equity | $19,664,400 | 3,115 |
| Average total loans | $120,367,200 | 2,989 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 574 |
| Cost of funding earning assets | 0.6895% | 1,909 |
| Net interest margin | 4.5517% | 670 |
| Noninterest income to average assets | 1.0129% | 936 |
| Noninterest expense to average assets | 2.8251% | 2,552 |
| Loan and lease loss provision to assets | 0.2830% | 531 |
| Net operating income to assets | 2.0335% | 350 |
| Return on assets (ROA) | 2.0335% | 349 |
| Pretax return on assets | 2.0721% | 521 |
| Return on Equity (ROE) | 16.2236% | 661 |
| Retained earnings to average equity (ytd only) | 9.3811% | 1,081 |
| Net charge-offs to loans | -0.0506% | 4,934 |
| Credit loss provision to net charge-offs | -767.4419% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5364% | 4,559 |
| Assets per employee ($millions) | 5.1127% | 2,324 |
| Cash dividends to net income (ytd only)* | 42.1764% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 691 |
| Loan loss allowance to noncurrent loans | 150.4895% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,638 |
| Noncurrent loans to loans | 1.2119% | 1,395 |
| Net loans and leases to total assets | 73.0900% | 2,152 |
| Net loans and leases to deposits | 93.9255% | 1,387 |
| Net loans and leases to core deposits | 101.8015% | 1,629 |
| Total domestic deposits to total assets | 77.8170% | 4,504 |
| Equity capital to assets | 12.6294% | 1,504 |
| Core capital (leverage) ratio | 13.2589% | 1,184 |
| Tier 1 risk-based capital ratio | 15.1847% | 2,797 |
| Total risk-based capital ratio | 16.4390% | 2,720 |
| Memoranda: | ||
| Average total assets | $155,461,000 | 3,354 |
| Average earning assets | $142,331,000 | 3,365 |
| Average equity | $19,485,500 | 3,156 |
| Average total loans | $113,298,250 | 3,117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 681 |
| Cost of funding earning assets | 0.6414% | 1,978 |
| Net interest margin | 4.4447% | 778 |
| Noninterest income to average assets | 1.0087% | 943 |
| Noninterest expense to average assets | 2.9175% | 2,300 |
| Loan and lease loss provision to assets | 0.2331% | 684 |
| Net operating income to assets | 1.8841% | 487 |
| Return on assets (ROA) | 1.8841% | 481 |
| Pretax return on assets | 1.9230% | 728 |
| Return on Equity (ROE) | 15.0712% | 833 |
| Retained earnings to average equity (ytd only) | 7.8205% | 1,696 |
| Net charge-offs to loans | -0.0698% | 5,037 |
| Credit loss provision to net charge-offs | -461.5385% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5038% | 4,306 |
| Assets per employee ($millions) | 5.3026% | 2,100 |
| Cash dividends to net income (ytd only)* | 48.1100% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 894 |
| Loan loss allowance to noncurrent loans | 156.8735% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 1,870 |
| Noncurrent loans to loans | 1.0881% | 1,624 |
| Net loans and leases to total assets | 72.2884% | 2,229 |
| Net loans and leases to deposits | 90.2580% | 1,803 |
| Net loans and leases to core deposits | 97.0619% | 1,957 |
| Total domestic deposits to total assets | 80.0909% | 4,216 |
| Equity capital to assets | 12.2883% | 1,670 |
| Core capital (leverage) ratio | 13.1137% | 1,182 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,011 |
| Total risk-based capital ratio | 15.9769% | 2,934 |
| Memoranda: | ||
| Average total assets | $154,449,670 | 3,387 |
| Average earning assets | $141,248,330 | 3,395 |
| Average equity | $19,308,330 | 3,193 |
| Average total loans | $111,732,330 | 3,148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 756 |
| Cost of funding earning assets | 0.6154% | 1,943 |
| Net interest margin | 4.3478% | 863 |
| Noninterest income to average assets | 1.0754% | 797 |
| Noninterest expense to average assets | 2.7528% | 2,866 |
| Loan and lease loss provision to assets | 0.2366% | 651 |
| Net operating income to assets | 2.0219% | 355 |
| Return on assets (ROA) | 2.0219% | 356 |
| Pretax return on assets | 2.0613% | 513 |
| Return on Equity (ROE) | 16.0304% | 615 |
| Retained earnings to average equity (ytd only) | 7.6921% | 1,961 |
| Net charge-offs to loans | -0.0037% | 3,915 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5029% | 4,749 |
| Assets per employee ($millions) | 5.2776% | 2,157 |
| Cash dividends to net income (ytd only)* | 52.0156% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 935 |
| Loan loss allowance to noncurrent loans | 1,926.8041% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,774 |
| Noncurrent loans to loans | 0.0884% | 4,585 |
| Net loans and leases to total assets | 70.4495% | 2,397 |
| Net loans and leases to deposits | 84.3276% | 2,356 |
| Net loans and leases to core deposits | 90.1055% | 2,445 |
| Total domestic deposits to total assets | 83.5426% | 3,485 |
| Equity capital to assets | 12.5567% | 1,447 |
| Core capital (leverage) ratio | 13.6967% | 949 |
| Tier 1 risk-based capital ratio | 15.1272% | 2,819 |
| Total risk-based capital ratio | 16.3789% | 2,750 |
| Memoranda: | ||
| Average total assets | $152,135,500 | 3,439 |
| Average earning assets | $139,105,000 | 3,464 |
| Average equity | $19,188,500 | 3,231 |
| Average total loans | $109,102,500 | 3,206 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 738 |
| Cost of funding earning assets | 0.5297% | 2,102 |
| Net interest margin | 4.4054% | 753 |
| Noninterest income to average assets | 0.9680% | 1,098 |
| Noninterest expense to average assets | 3.1328% | 1,768 |
| Loan and lease loss provision to assets | 0.1900% | 1,108 |
| Net operating income to assets | 1.6558% | 579 |
| Return on assets (ROA) | 1.6009% | 665 |
| Pretax return on assets | 1.6403% | 1,190 |
| Return on Equity (ROE) | 12.2817% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.3908% | 1,872 |
| Net charge-offs to loans | -0.0161% | 4,897 |
| Credit loss provision to net charge-offs | -1,617.6471% | 5,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4174% | 3,875 |
| Assets per employee ($millions) | 5.0407% | 2,433 |
| Cash dividends to net income (ytd only)* | 56.1070% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,055 |
| Loan loss allowance to noncurrent loans | 96.6830% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2161% | 1,209 |
| Noncurrent loans to loans | 1.6947% | 968 |
| Net loans and leases to total assets | 70.5821% | 2,437 |
| Net loans and leases to deposits | 84.7439% | 2,408 |
| Net loans and leases to core deposits | 90.3936% | 2,524 |
| Total domestic deposits to total assets | 83.2887% | 3,471 |
| Equity capital to assets | 12.6695% | 1,422 |
| Core capital (leverage) ratio | 13.0527% | 1,126 |
| Tier 1 risk-based capital ratio | 14.7098% | 2,984 |
| Total risk-based capital ratio | 15.9615% | 2,914 |
| Memoranda: | ||
| Average total assets | $144,726,600 | 3,543 |
| Average earning assets | $133,085,600 | 3,553 |
| Average equity | $18,865,400 | 3,257 |
| Average total loans | $105,797,400 | 3,251 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 733 |
| Cost of funding earning assets | 0.5155% | 2,148 |
| Net interest margin | 4.4021% | 727 |
| Noninterest income to average assets | 0.9746% | 1,083 |
| Noninterest expense to average assets | 3.0001% | 2,107 |
| Loan and lease loss provision to assets | 0.1491% | 1,408 |
| Net operating income to assets | 1.8392% | 428 |
| Return on assets (ROA) | 1.8392% | 440 |
| Pretax return on assets | 1.8755% | 732 |
| Return on Equity (ROE) | 14.0056% | 833 |
| Retained earnings to average equity (ytd only) | 6.9105% | 1,736 |
| Net charge-offs to loans | 0.0051% | 3,550 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 543.5760% | 187 |
| Efficiency ratio | 59.7070% | 4,263 |
| Assets per employee ($millions) | 4.6635% | 2,887 |
| Cash dividends to net income (ytd only)* | 50.6586% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,474 |
| Loan loss allowance to noncurrent loans | 82.7204% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 1,143 |
| Noncurrent loans to loans | 1.8342% | 968 |
| Net loans and leases to total assets | 73.7245% | 1,960 |
| Net loans and leases to deposits | 89.3312% | 1,889 |
| Net loans and leases to core deposits | 96.1107% | 2,056 |
| Total domestic deposits to total assets | 82.5293% | 3,616 |
| Equity capital to assets | 13.4560% | 1,181 |
| Core capital (leverage) ratio | 13.4275% | 1,052 |
| Tier 1 risk-based capital ratio | 14.2663% | 3,317 |
| Total risk-based capital ratio | 15.4987% | 3,226 |
| Memoranda: | ||
| Average total assets | $143,103,000 | 3,601 |
| Average earning assets | $131,660,000 | 3,609 |
| Average equity | $18,792,000 | 3,291 |
| Average total loans | $105,118,500 | 3,289 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 747 |
| Cost of funding earning assets | 0.4944% | 2,215 |
| Net interest margin | 4.3751% | 734 |
| Noninterest income to average assets | 0.9733% | 1,080 |
| Noninterest expense to average assets | 3.0586% | 1,944 |
| Loan and lease loss provision to assets | 0.1402% | 1,463 |
| Net operating income to assets | 1.7586% | 492 |
| Return on assets (ROA) | 1.7586% | 501 |
| Pretax return on assets | 1.7950% | 853 |
| Return on Equity (ROE) | 13.5044% | 922 |
| Retained earnings to average equity (ytd only) | 5.9661% | 2,142 |
| Net charge-offs to loans | 0.1595% | 1,207 |
| Credit loss provision to net charge-offs | 120.4819% | 1,770 |
| Earnings coverage of net charge-offs (x) | 16.6265% | 1,972 |
| Efficiency ratio | 61.2468% | 4,128 |
| Assets per employee ($millions) | 4.7203% | 2,764 |
| Cash dividends to net income (ytd only)* | 55.8214% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,778 |
| Loan loss allowance to noncurrent loans | 86.0332% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 1,376 |
| Noncurrent loans to loans | 1.6751% | 1,090 |
| Net loans and leases to total assets | 72.5884% | 2,110 |
| Net loans and leases to deposits | 86.8226% | 2,132 |
| Net loans and leases to core deposits | 93.5970% | 2,193 |
| Total domestic deposits to total assets | 83.6054% | 3,363 |
| Equity capital to assets | 13.4682% | 1,158 |
| Core capital (leverage) ratio | 13.1159% | 1,129 |
| Tier 1 risk-based capital ratio | 14.9072% | 2,969 |
| Total risk-based capital ratio | 16.1133% | 2,915 |
| Memoranda: | ||
| Average total assets | $142,614,670 | 3,622 |
| Average earning assets | $131,059,670 | 3,633 |
| Average equity | $18,571,670 | 3,322 |
| Average total loans | $104,083,330 | 3,314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 835 |
| Cost of funding earning assets | 0.4598% | 2,434 |
| Net interest margin | 4.2963% | 792 |
| Noninterest income to average assets | 0.9419% | 1,126 |
| Noninterest expense to average assets | 2.9570% | 2,282 |
| Loan and lease loss provision to assets | 0.1118% | 1,719 |
| Net operating income to assets | 1.7803% | 464 |
| Return on assets (ROA) | 1.7803% | 477 |
| Pretax return on assets | 1.8167% | 763 |
| Return on Equity (ROE) | 13.9072% | 824 |
| Retained earnings to average equity (ytd only) | 5.1742% | 2,797 |
| Net charge-offs to loans | -0.0192% | 4,727 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5263% | 4,397 |
| Assets per employee ($millions) | 4.5228% | 3,132 |
| Cash dividends to net income (ytd only)* | 62.7943% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,653 |
| Loan loss allowance to noncurrent loans | 1,486.4078% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,980 |
| Noncurrent loans to loans | 0.1018% | 4,786 |
| Net loans and leases to total assets | 71.1044% | 2,203 |
| Net loans and leases to deposits | 84.6939% | 2,193 |
| Net loans and leases to core deposits | 106.0495% | 1,095 |
| Total domestic deposits to total assets | 83.9546% | 3,494 |
| Equity capital to assets | 13.2161% | 1,176 |
| Core capital (leverage) ratio | 12.7339% | 1,241 |
| Tier 1 risk-based capital ratio | 15.1343% | 2,904 |
| Total risk-based capital ratio | 16.3842% | 2,837 |
| Memoranda: | ||
| Average total assets | $143,118,000 | 3,643 |
| Average earning assets | $131,369,500 | 3,657 |
| Average equity | $18,321,500 | 3,368 |
| Average total loans | $103,978,000 | 3,340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 832 |
| Cost of funding earning assets | 0.4298% | 2,705 |
| Net interest margin | 4.4040% | 769 |
| Noninterest income to average assets | 0.9201% | 1,346 |
| Noninterest expense to average assets | 3.1648% | 1,869 |
| Loan and lease loss provision to assets | 0.2208% | 997 |
| Net operating income to assets | 1.5319% | 782 |
| Return on assets (ROA) | 1.5319% | 806 |
| Pretax return on assets | 1.5696% | 1,373 |
| Return on Equity (ROE) | 11.7721% | 1,326 |
| Retained earnings to average equity (ytd only) | 4.6574% | 2,580 |
| Net charge-offs to loans | 0.4091% | 650 |
| Credit loss provision to net charge-offs | 71.9258% | 3,103 |
| Earnings coverage of net charge-offs (x) | 5.8329% | 3,274 |
| Efficiency ratio | 63.8689% | 3,956 |
| Assets per employee ($millions) | 4.5634% | 3,024 |
| Cash dividends to net income (ytd only)* | 60.4370% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,108 |
| Loan loss allowance to noncurrent loans | 1,565.2632% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,069 |
| Noncurrent loans to loans | 0.0890% | 4,882 |
| Net loans and leases to total assets | 72.0711% | 2,157 |
| Net loans and leases to deposits | 89.5084% | 1,736 |
| Net loans and leases to core deposits | 110.4460% | 868 |
| Total domestic deposits to total assets | 80.5188% | 4,450 |
| Equity capital to assets | 12.4038% | 1,573 |
| Core capital (leverage) ratio | 12.9053% | 1,171 |
| Tier 1 risk-based capital ratio | 14.0068% | 3,460 |
| Total risk-based capital ratio | 15.1617% | 3,426 |
| Memoranda: | ||
| Average total assets | $140,418,200 | 3,668 |
| Average earning assets | $128,657,000 | 3,677 |
| Average equity | $18,272,000 | 3,375 |
| Average total loans | $105,349,800 | 3,285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 774 |
| Cost of funding earning assets | 0.4309% | 2,732 |
| Net interest margin | 4.4411% | 716 |
| Noninterest income to average assets | 0.9121% | 1,370 |
| Noninterest expense to average assets | 3.1526% | 1,893 |
| Loan and lease loss provision to assets | 0.2350% | 832 |
| Net operating income to assets | 1.5499% | 796 |
| Return on assets (ROA) | 1.5499% | 837 |
| Pretax return on assets | 1.5873% | 1,418 |
| Return on Equity (ROE) | 11.7663% | 1,401 |
| Retained earnings to average equity (ytd only) | 4.4852% | 3,149 |
| Net charge-offs to loans | 0.5079% | 422 |
| Credit loss provision to net charge-offs | 61.2500% | 2,893 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,228 |
| Efficiency ratio | 63.3700% | 4,020 |
| Assets per employee ($millions) | 4.3424% | 3,346 |
| Cash dividends to net income (ytd only)* | 61.8813% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,157 |
| Loan loss allowance to noncurrent loans | 438.6707% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,491 |
| Noncurrent loans to loans | 0.3213% | 4,102 |
| Net loans and leases to total assets | 73.0897% | 2,008 |
| Net loans and leases to deposits | 90.8492% | 1,650 |
| Net loans and leases to core deposits | 113.2314% | 756 |
| Total domestic deposits to total assets | 80.4516% | 4,403 |
| Equity capital to assets | 13.4393% | 1,275 |
| Core capital (leverage) ratio | 13.0825% | 1,160 |
| Tier 1 risk-based capital ratio | 14.2803% | 3,411 |
| Total risk-based capital ratio | 15.4453% | 3,386 |
| Memoranda: | ||
| Average total assets | $139,015,750 | 3,708 |
| Average earning assets | $127,172,000 | 3,716 |
| Average equity | $18,311,750 | 3,392 |
| Average total loans | $105,004,500 | 3,306 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 774 |
| Cost of funding earning assets | 0.4233% | 2,799 |
| Net interest margin | 4.4450% | 699 |
| Noninterest income to average assets | 0.8962% | 1,384 |
| Noninterest expense to average assets | 3.1230% | 2,000 |
| Loan and lease loss provision to assets | 0.1755% | 1,247 |
| Net operating income to assets | 1.6384% | 661 |
| Return on assets (ROA) | 1.6384% | 702 |
| Pretax return on assets | 1.6758% | 1,157 |
| Return on Equity (ROE) | 12.5229% | 1,158 |
| Retained earnings to average equity (ytd only) | 4.8267% | 2,851 |
| Net charge-offs to loans | 0.0397% | 2,664 |
| Credit loss provision to net charge-offs | 580.9524% | 585 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 860 |
| Efficiency ratio | 62.7820% | 4,207 |
| Assets per employee ($millions) | 4.2967% | 3,377 |
| Cash dividends to net income (ytd only)* | 61.4574% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,376 |
| Loan loss allowance to noncurrent loans | 348.5714% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 4,062 |
| Noncurrent loans to loans | 0.4756% | 3,654 |
| Net loans and leases to total assets | 73.6830% | 1,904 |
| Net loans and leases to deposits | 89.3496% | 1,826 |
| Net loans and leases to core deposits | 111.8127% | 826 |
| Total domestic deposits to total assets | 82.4660% | 3,853 |
| Equity capital to assets | 13.4909% | 1,243 |
| Core capital (leverage) ratio | 12.6508% | 1,282 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,445 |
| Total risk-based capital ratio | 15.5329% | 3,368 |
| Memoranda: | ||
| Average total assets | $139,035,000 | 3,733 |
| Average earning assets | $127,558,330 | 3,732 |
| Average equity | $18,190,670 | 3,419 |
| Average total loans | $105,667,330 | 3,312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 893 |
| Cost of funding earning assets | 0.4029% | 3,035 |
| Net interest margin | 4.3760% | 785 |
| Noninterest income to average assets | 0.9871% | 1,109 |
| Noninterest expense to average assets | 3.0070% | 2,369 |
| Loan and lease loss provision to assets | 0.1774% | 1,148 |
| Net operating income to assets | 1.7739% | 489 |
| Return on assets (ROA) | 1.7739% | 522 |
| Pretax return on assets | 1.8111% | 834 |
| Return on Equity (ROE) | 13.7690% | 884 |
| Retained earnings to average equity (ytd only) | 4.8858% | 3,007 |
| Net charge-offs to loans | 0.0636% | 1,858 |
| Credit loss provision to net charge-offs | 364.7059% | 754 |
| Earnings coverage of net charge-offs (x) | 40.8824% | 999 |
| Efficiency ratio | 60.1947% | 4,717 |
| Assets per employee ($millions) | 4.2330% | 3,532 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,609 |
| Loan loss allowance to noncurrent loans | 244.0177% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,603 |
| Noncurrent loans to loans | 0.6553% | 3,206 |
| Net loans and leases to total assets | 75.0448% | 1,543 |
| Net loans and leases to deposits | 90.4691% | 1,521 |
| Net loans and leases to core deposits | 107.5205% | 990 |
| Total domestic deposits to total assets | 82.9508% | 3,916 |
| Equity capital to assets | 13.4347% | 1,204 |
| Core capital (leverage) ratio | 12.4203% | 1,371 |
| Tier 1 risk-based capital ratio | 14.0016% | 3,695 |
| Total risk-based capital ratio | 15.2519% | 3,625 |
| Memoranda: | ||
| Average total assets | $139,806,000 | 3,750 |
| Average earning assets | $128,063,000 | 3,751 |
| Average equity | $18,011,500 | 3,434 |
| Average total loans | $106,992,500 | 3,295 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,350 |
| Cost of funding earning assets | 0.3852% | 3,317 |
| Net interest margin | 4.2088% | 1,151 |
| Noninterest income to average assets | 0.8699% | 1,530 |
| Noninterest expense to average assets | 2.8723% | 2,957 |
| Loan and lease loss provision to assets | 0.2482% | 765 |
| Net operating income to assets | 1.6008% | 704 |
| Return on assets (ROA) | 1.6008% | 725 |
| Pretax return on assets | 1.6383% | 1,141 |
| Return on Equity (ROE) | 13.5294% | 943 |
| Retained earnings to average equity (ytd only) | 6.6149% | 1,484 |
| Net charge-offs to loans | 0.8091% | 274 |
| Credit loss provision to net charge-offs | 40.9449% | 3,519 |
| Earnings coverage of net charge-offs (x) | 3.1125% | 3,773 |
| Efficiency ratio | 60.3582% | 4,863 |
| Assets per employee ($millions) | 4.8052% | 2,595 |
| Cash dividends to net income (ytd only)* | 51.1073% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 2,204 |
| Loan loss allowance to noncurrent loans | 312.6459% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,162 |
| Noncurrent loans to loans | 0.4644% | 3,801 |
| Net loans and leases to total assets | 75.6633% | 1,470 |
| Net loans and leases to deposits | 99.4656% | 714 |
| Net loans and leases to core deposits | 118.8662% | 511 |
| Total domestic deposits to total assets | 76.0698% | 5,437 |
| Equity capital to assets | 12.3650% | 1,691 |
| Core capital (leverage) ratio | 12.0641% | 1,583 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,009 |
| Total risk-based capital ratio | 14.7477% | 3,942 |
| Memoranda: | ||
| Average total assets | $146,675,400 | 3,619 |
| Average earning assets | $135,524,200 | 3,604 |
| Average equity | $17,354,800 | 3,487 |
| Average total loans | $109,881,600 | 3,202 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,537 |
| Cost of funding earning assets | 0.3971% | 3,252 |
| Net interest margin | 4.1225% | 1,344 |
| Noninterest income to average assets | 0.9078% | 1,431 |
| Noninterest expense to average assets | 2.8349% | 3,059 |
| Loan and lease loss provision to assets | 0.1575% | 1,368 |
| Net operating income to assets | 1.6935% | 634 |
| Return on assets (ROA) | 1.6935% | 657 |
| Pretax return on assets | 1.7306% | 1,031 |
| Return on Equity (ROE) | 14.4721% | 818 |
| Retained earnings to average equity (ytd only) | 5.1902% | 2,786 |
| Net charge-offs to loans | 0.6516% | 340 |
| Credit loss provision to net charge-offs | 32.4627% | 3,251 |
| Earnings coverage of net charge-offs (x) | 3.8918% | 3,437 |
| Efficiency ratio | 60.0230% | 4,882 |
| Assets per employee ($millions) | 4.7629% | 2,608 |
| Cash dividends to net income (ytd only)* | 64.1369% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 1,683 |
| Loan loss allowance to noncurrent loans | 186.5121% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,267 |
| Noncurrent loans to loans | 0.8725% | 2,802 |
| Net loans and leases to total assets | 74.8807% | 1,567 |
| Net loans and leases to deposits | 99.9869% | 667 |
| Net loans and leases to core deposits | 120.1127% | 465 |
| Total domestic deposits to total assets | 74.8905% | 5,630 |
| Equity capital to assets | 12.2111% | 1,948 |
| Core capital (leverage) ratio | 11.7299% | 1,870 |
| Tier 1 risk-based capital ratio | 14.2855% | 3,679 |
| Total risk-based capital ratio | 15.5382% | 3,605 |
| Memoranda: | ||
| Average total assets | $147,305,000 | 3,643 |
| Average earning assets | $136,321,250 | 3,622 |
| Average equity | $17,237,250 | 3,525 |
| Average total loans | $109,681,750 | 3,237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,461 |
| Cost of funding earning assets | 0.4122% | 3,134 |
| Net interest margin | 4.1137% | 1,317 |
| Noninterest income to average assets | 0.8375% | 1,643 |
| Noninterest expense to average assets | 2.7840% | 3,299 |
| Loan and lease loss provision to assets | 0.1102% | 1,992 |
| Net operating income to assets | 1.7167% | 611 |
| Return on assets (ROA) | 1.7167% | 636 |
| Pretax return on assets | 1.7529% | 973 |
| Return on Equity (ROE) | 14.8774% | 754 |
| Retained earnings to average equity (ytd only) | 5.5572% | 2,503 |
| Net charge-offs to loans | 0.5310% | 463 |
| Credit loss provision to net charge-offs | 28.0822% | 2,942 |
| Earnings coverage of net charge-offs (x) | 4.7466% | 3,000 |
| Efficiency ratio | 59.9074% | 4,993 |
| Assets per employee ($millions) | 4.8202% | 2,512 |
| Cash dividends to net income (ytd only)* | 62.6468% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 1,355 |
| Loan loss allowance to noncurrent loans | 198.1443% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,389 |
| Noncurrent loans to loans | 0.9123% | 2,845 |
| Net loans and leases to total assets | 72.1964% | 1,946 |
| Net loans and leases to deposits | 89.5738% | 1,650 |
| Net loans and leases to core deposits | 118.1903% | 522 |
| Total domestic deposits to total assets | 80.5998% | 4,718 |
| Equity capital to assets | 11.9234% | 2,087 |
| Core capital (leverage) ratio | 11.4542% | 2,031 |
| Tier 1 risk-based capital ratio | 14.6625% | 3,546 |
| Total risk-based capital ratio | 15.9180% | 3,473 |
| Memoranda: | ||
| Average total assets | $148,778,000 | 3,648 |
| Average earning assets | $137,782,330 | 3,635 |
| Average equity | $17,167,000 | 3,542 |
| Average total loans | $109,987,670 | 3,250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,476 |
| Cost of funding earning assets | 0.4225% | 3,041 |
| Net interest margin | 4.0733% | 1,348 |
| Noninterest income to average assets | 0.7981% | 1,712 |
| Noninterest expense to average assets | 2.7044% | 3,572 |
| Loan and lease loss provision to assets | 0.0848% | 2,277 |
| Net operating income to assets | 1.7552% | 525 |
| Return on assets (ROA) | 1.7552% | 555 |
| Pretax return on assets | 1.7923% | 875 |
| Return on Equity (ROE) | 15.4587% | 640 |
| Retained earnings to average equity (ytd only) | 15.4587% | 247 |
| Net charge-offs to loans | 0.3148% | 756 |
| Credit loss provision to net charge-offs | 36.3636% | 2,213 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 2,113 |
| Efficiency ratio | 59.0278% | 5,224 |
| Assets per employee ($millions) | 4.8502% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 1,210 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 2,474 |
| Noncurrent loans to loans | 1.4533% | 1,955 |
| Net loans and leases to total assets | 72.2013% | 1,772 |
| Net loans and leases to deposits | 86.6222% | 1,762 |
| Net loans and leases to core deposits | 114.1240% | 578 |
| Total domestic deposits to total assets | 83.3520% | 4,066 |
| Equity capital to assets | 12.0688% | 1,981 |
| Core capital (leverage) ratio | 11.1097% | 2,308 |
| Tier 1 risk-based capital ratio | 14.6657% | 3,617 |
| Total risk-based capital ratio | 15.9226% | 3,542 |
| Memoranda: | ||
| Average total assets | $150,863,500 | 3,636 |
| Average earning assets | $140,131,000 | 3,621 |
| Average equity | $17,129,500 | 3,575 |
| Average total loans | $111,820,000 | 3,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,530 |
| Cost of funding earning assets | 0.3393% | 4,375 |
| Net interest margin | 4.2706% | 1,112 |
| Noninterest income to average assets | 1.0221% | 1,167 |
| Noninterest expense to average assets | 3.0035% | 2,833 |
| Loan and lease loss provision to assets | 0.1827% | 1,408 |
| Net operating income to assets | 1.7273% | 545 |
| Return on assets (ROA) | 1.7273% | 559 |
| Pretax return on assets | 1.7647% | 857 |
| Return on Equity (ROE) | 14.8766% | 801 |
| Retained earnings to average equity (ytd only) | 6.5324% | 1,623 |
| Net charge-offs to loans | 0.0102% | 4,701 |
| Credit loss provision to net charge-offs | 2,400.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 255.8182% | 211 |
| Efficiency ratio | 60.6654% | 5,121 |
| Assets per employee ($millions) | 5.2273% | 2,039 |
| Cash dividends to net income (ytd only)* | 56.0897% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,342 |
| Loan loss allowance to noncurrent loans | 95.6305% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 2,696 |
| Noncurrent loans to loans | 1.3750% | 2,134 |
| Net loans and leases to total assets | 73.3159% | 1,707 |
| Net loans and leases to deposits | 91.4976% | 1,347 |
| Net loans and leases to core deposits | 119.0367% | 434 |
| Total domestic deposits to total assets | 80.1288% | 4,980 |
| Equity capital to assets | 11.0305% | 2,860 |
| Core capital (leverage) ratio | 11.0295% | 2,383 |
| Tier 1 risk-based capital ratio | 12.3655% | 5,118 |
| Total risk-based capital ratio | 13.5044% | 5,104 |
| Memoranda: | ||
| Average total assets | $144,499,400 | 3,716 |
| Average earning assets | $132,933,400 | 3,707 |
| Average equity | $16,778,000 | 3,563 |
| Average total loans | $107,531,200 | 3,274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,477 |
| Cost of funding earning assets | 0.3359% | 4,512 |
| Net interest margin | 4.2990% | 1,051 |
| Noninterest income to average assets | 1.0635% | 1,088 |
| Noninterest expense to average assets | 2.9726% | 2,893 |
| Loan and lease loss provision to assets | 0.1527% | 1,622 |
| Net operating income to assets | 1.8498% | 462 |
| Return on assets (ROA) | 1.8498% | 479 |
| Pretax return on assets | 1.8837% | 744 |
| Return on Equity (ROE) | 15.7132% | 712 |
| Retained earnings to average equity (ytd only) | 7.7044% | 1,491 |
| Net charge-offs to loans | -0.0329% | 5,772 |
| Credit loss provision to net charge-offs | -623.0769% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3450% | 5,270 |
| Assets per employee ($millions) | 4.9091% | 2,367 |
| Cash dividends to net income (ytd only)* | 50.9685% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,578 |
| Loan loss allowance to noncurrent loans | 806.0440% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,674 |
| Noncurrent loans to loans | 0.1630% | 5,422 |
| Net loans and leases to total assets | 74.8148% | 1,394 |
| Net loans and leases to deposits | 99.7474% | 629 |
| Net loans and leases to core deposits | 121.3578% | 365 |
| Total domestic deposits to total assets | 75.0042% | 5,923 |
| Equity capital to assets | 11.6858% | 2,324 |
| Core capital (leverage) ratio | 11.4871% | 2,077 |
| Tier 1 risk-based capital ratio | 12.8623% | 4,942 |
| Total risk-based capital ratio | 14.0058% | 4,915 |
| Memoranda: | ||
| Average total assets | $141,419,250 | 3,800 |
| Average earning assets | $129,794,250 | 3,791 |
| Average equity | $16,648,000 | 3,597 |
| Average total loans | $105,287,500 | 3,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,550 |
| Cost of funding earning assets | 0.3366% | 4,571 |
| Net interest margin | 4.2564% | 1,124 |
| Noninterest income to average assets | 0.9637% | 1,299 |
| Noninterest expense to average assets | 3.0114% | 2,790 |
| Loan and lease loss provision to assets | 0.0029% | 4,155 |
| Net operating income to assets | 1.8140% | 480 |
| Return on assets (ROA) | 1.8140% | 493 |
| Pretax return on assets | 1.8485% | 760 |
| Return on Equity (ROE) | 15.3700% | 738 |
| Retained earnings to average equity (ytd only) | 6.8648% | 1,834 |
| Net charge-offs to loans | -0.0562% | 5,929 |
| Credit loss provision to net charge-offs | -6.8966% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9286% | 5,023 |
| Assets per employee ($millions) | 4.7792% | 2,506 |
| Cash dividends to net income (ytd only)* | 55.3360% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 4,291 |
| Loan loss allowance to noncurrent loans | 590.0901% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 5,691 |
| Noncurrent loans to loans | 0.2080% | 5,396 |
| Net loans and leases to total assets | 73.5151% | 1,502 |
| Net loans and leases to deposits | 93.6674% | 989 |
| Net loans and leases to core deposits | 114.0120% | 537 |
| Total domestic deposits to total assets | 78.4852% | 5,552 |
| Equity capital to assets | 11.7572% | 2,198 |
| Core capital (leverage) ratio | 11.5029% | 1,997 |
| Tier 1 risk-based capital ratio | 13.0636% | 4,873 |
| Total risk-based capital ratio | 14.1263% | 4,928 |
| Memoranda: | ||
| Average total assets | $139,468,000 | 3,858 |
| Average earning assets | $127,759,330 | 3,855 |
| Average equity | $16,460,670 | 3,623 |
| Average total loans | $103,167,000 | 3,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,608 |
| Cost of funding earning assets | 0.3344% | 4,696 |
| Net interest margin | 4.2267% | 1,152 |
| Noninterest income to average assets | 0.8785% | 1,457 |
| Noninterest expense to average assets | 3.0804% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6231% | 649 |
| Return on assets (ROA) | 1.6231% | 674 |
| Pretax return on assets | 1.6580% | 1,056 |
| Return on Equity (ROE) | 13.7248% | 996 |
| Retained earnings to average equity (ytd only) | 3.8862% | 3,788 |
| Net charge-offs to loans | 0.2762% | 1,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,055 |
| Efficiency ratio | 65.0092% | 4,689 |
| Assets per employee ($millions) | 4.6394% | 2,742 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 4,559 |
| Loan loss allowance to noncurrent loans | 967.2000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,979 |
| Noncurrent loans to loans | 0.1259% | 5,730 |
| Net loans and leases to total assets | 70.4511% | 1,811 |
| Net loans and leases to deposits | 82.6424% | 1,983 |
| Net loans and leases to core deposits | 97.2430% | 1,296 |
| Total domestic deposits to total assets | 85.2482% | 3,748 |
| Equity capital to assets | 11.7493% | 2,054 |
| Core capital (leverage) ratio | 11.4940% | 1,968 |
| Tier 1 risk-based capital ratio | 13.4737% | 4,701 |
| Total risk-based capital ratio | 14.5115% | 4,786 |
| Memoranda: | ||
| Average total assets | $137,514,000 | 3,934 |
| Average earning assets | $125,582,000 | 3,936 |
| Average equity | $16,262,500 | 3,653 |
| Average total loans | $101,394,000 | 3,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 2,214 |
| Cost of funding earning assets | 0.3537% | 5,099 |
| Net interest margin | 4.1440% | 1,525 |
| Noninterest income to average assets | 0.9918% | 1,415 |
| Noninterest expense to average assets | 3.1208% | 2,673 |
| Loan and lease loss provision to assets | 0.0048% | 5,026 |
| Net operating income to assets | 1.5979% | 696 |
| Return on assets (ROA) | 1.5979% | 713 |
| Pretax return on assets | 1.6363% | 1,085 |
| Return on Equity (ROE) | 12.6039% | 1,254 |
| Retained earnings to average equity (ytd only) | 4.4155% | 3,033 |
| Net charge-offs to loans | 0.1647% | 3,163 |
| Credit loss provision to net charge-offs | 4.0268% | 4,663 |
| Earnings coverage of net charge-offs (x) | 13.7919% | 1,990 |
| Efficiency ratio | 65.5375% | 4,647 |
| Assets per employee ($millions) | 4.6843% | 2,611 |
| Cash dividends to net income (ytd only)* | 64.9675% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,472 |
| Loan loss allowance to noncurrent loans | 378.4024% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 5,519 |
| Noncurrent loans to loans | 0.3265% | 5,203 |
| Net loans and leases to total assets | 75.2652% | 1,193 |
| Net loans and leases to deposits | 97.2706% | 643 |
| Net loans and leases to core deposits | 109.8465% | 613 |
| Total domestic deposits to total assets | 77.3772% | 5,915 |
| Equity capital to assets | 11.9047% | 1,861 |
| Core capital (leverage) ratio | 12.0728% | 1,551 |
| Tier 1 risk-based capital ratio | 13.0024% | 4,970 |
| Total risk-based capital ratio | 14.0726% | 5,048 |
| Memoranda: | ||
| Average total assets | $125,224,600 | 4,155 |
| Average earning assets | $113,923,600 | 4,184 |
| Average equity | $15,876,000 | 3,723 |
| Average total loans | $90,443,400 | 3,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 2,348 |
| Cost of funding earning assets | 0.3625% | 5,169 |
| Net interest margin | 4.1068% | 1,612 |
| Noninterest income to average assets | 0.9757% | 1,518 |
| Noninterest expense to average assets | 3.1296% | 2,569 |
| Loan and lease loss provision to assets | 0.0065% | 4,847 |
| Net operating income to assets | 1.5349% | 842 |
| Return on assets (ROA) | 1.5349% | 886 |
| Pretax return on assets | 1.5740% | 1,407 |
| Return on Equity (ROE) | 11.9054% | 1,499 |
| Retained earnings to average equity (ytd only) | 3.4679% | 4,220 |
| Net charge-offs to loans | 0.1637% | 2,920 |
| Credit loss provision to net charge-offs | 5.6075% | 4,275 |
| Earnings coverage of net charge-offs (x) | 13.5797% | 2,016 |
| Efficiency ratio | 66.4434% | 4,409 |
| Assets per employee ($millions) | 4.3142% | 3,198 |
| Cash dividends to net income (ytd only)* | 70.8716% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,784 |
| Loan loss allowance to noncurrent loans | 267.9513% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 5,236 |
| Noncurrent loans to loans | 0.5318% | 4,863 |
| Net loans and leases to total assets | 73.0468% | 1,444 |
| Net loans and leases to deposits | 93.1060% | 892 |
| Net loans and leases to core deposits | 101.3980% | 1,032 |
| Total domestic deposits to total assets | 78.4555% | 5,835 |
| Equity capital to assets | 12.7597% | 1,444 |
| Core capital (leverage) ratio | 12.4233% | 1,457 |
| Tier 1 risk-based capital ratio | 14.0702% | 4,373 |
| Total risk-based capital ratio | 15.2891% | 4,350 |
| Memoranda: | ||
| Average total assets | $122,569,500 | 4,263 |
| Average earning assets | $111,453,750 | 4,273 |
| Average equity | $15,802,000 | 3,775 |
| Average total loans | $87,173,500 | 3,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 2,619 |
| Cost of funding earning assets | 0.3873% | 5,058 |
| Net interest margin | 3.9998% | 1,854 |
| Noninterest income to average assets | 0.9727% | 1,599 |
| Noninterest expense to average assets | 3.1613% | 2,476 |
| Loan and lease loss provision to assets | 0.0066% | 4,710 |
| Net operating income to assets | 1.3950% | 1,094 |
| Return on assets (ROA) | 1.3950% | 1,173 |
| Pretax return on assets | 1.4361% | 1,819 |
| Return on Equity (ROE) | 10.7823% | 1,889 |
| Retained earnings to average equity (ytd only) | 1.8923% | 5,060 |
| Net charge-offs to loans | 0.1781% | 2,688 |
| Credit loss provision to net charge-offs | 5.2632% | 3,954 |
| Earnings coverage of net charge-offs (x) | 11.5526% | 2,045 |
| Efficiency ratio | 68.6652% | 4,067 |
| Assets per employee ($millions) | 4.2188% | 3,315 |
| Cash dividends to net income (ytd only)* | 82.4499% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,408 |
| Loan loss allowance to noncurrent loans | 297.3568% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 5,365 |
| Noncurrent loans to loans | 0.5173% | 4,977 |
| Net loans and leases to total assets | 70.6271% | 1,780 |
| Net loans and leases to deposits | 86.1453% | 1,560 |
| Net loans and leases to core deposits | 93.0970% | 1,603 |
| Total domestic deposits to total assets | 81.9860% | 5,064 |
| Equity capital to assets | 12.7379% | 1,446 |
| Core capital (leverage) ratio | 12.5041% | 1,355 |
| Tier 1 risk-based capital ratio | 15.1097% | 3,701 |
| Total risk-based capital ratio | 16.3609% | 3,669 |
| Memoranda: | ||
| Average total assets | $121,721,670 | 4,305 |
| Average earning assets | $110,504,670 | 4,324 |
| Average equity | $15,748,000 | 3,812 |
| Average total loans | $85,327,330 | 3,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,627 |
| Cost of funding earning assets | 0.4328% | 4,773 |
| Net interest margin | 3.9354% | 1,999 |
| Noninterest income to average assets | 0.9258% | 1,673 |
| Noninterest expense to average assets | 3.1628% | 2,473 |
| Loan and lease loss provision to assets | 0.0132% | 4,286 |
| Net operating income to assets | 1.2717% | 1,349 |
| Return on assets (ROA) | 1.2717% | 1,452 |
| Pretax return on assets | 1.3145% | 2,177 |
| Return on Equity (ROE) | 9.7536% | 2,157 |
| Retained earnings to average equity (ytd only) | -0.3538% | 5,844 |
| Net charge-offs to loans | 0.5279% | 1,142 |
| Credit loss provision to net charge-offs | 3.6036% | 3,206 |
| Earnings coverage of net charge-offs (x) | 3.6306% | 2,719 |
| Efficiency ratio | 70.4329% | 3,905 |
| Assets per employee ($millions) | 4.1251% | 3,689 |
| Cash dividends to net income (ytd only)* | 103.6269% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 3,221 |
| Loan loss allowance to noncurrent loans | 108.2305% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 3,894 |
| Noncurrent loans to loans | 1.5178% | 3,272 |
| Net loans and leases to total assets | 65.8157% | 2,404 |
| Net loans and leases to deposits | 76.8077% | 2,511 |
| Net loans and leases to core deposits | 82.2021% | 2,545 |
| Total domestic deposits to total assets | 85.6890% | 3,684 |
| Equity capital to assets | 13.2076% | 1,334 |
| Core capital (leverage) ratio | 12.5744% | 1,305 |
| Tier 1 risk-based capital ratio | 16.1022% | 3,205 |
| Total risk-based capital ratio | 17.3546% | 3,162 |
| Memoranda: | ||
| Average total assets | $121,410,500 | 4,361 |
| Average earning assets | $109,977,000 | 4,371 |
| Average equity | $15,830,000 | 3,844 |
| Average total loans | $84,112,000 | 3,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 2,230 |
| Cost of funding earning assets | 1.0571% | 1,086 |
| Net interest margin | 3.7353% | 3,501 |
| Noninterest income to average assets | 1.0359% | 1,445 |
| Noninterest expense to average assets | 3.0569% | 3,068 |
| Loan and lease loss provision to assets | 0.0425% | 5,321 |
| Net operating income to assets | 1.2815% | 1,363 |
| Return on assets (ROA) | 1.6512% | 761 |
| Pretax return on assets | 1.6905% | 1,156 |
| Return on Equity (ROE) | 12.9192% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.5172% | 1,812 |
| Net charge-offs to loans | 0.0355% | 5,426 |
| Credit loss provision to net charge-offs | 173.3333% | 1,520 |
| Earnings coverage of net charge-offs (x) | 55.2333% | 635 |
| Efficiency ratio | 69.2750% | 3,929 |
| Assets per employee ($millions) | 4.2480% | 3,467 |
| Cash dividends to net income (ytd only)* | 49.5540% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,252 |
| Loan loss allowance to noncurrent loans | 151.2766% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 4,559 |
| Noncurrent loans to loans | 1.0661% | 4,072 |
| Net loans and leases to total assets | 70.4204% | 1,755 |
| Net loans and leases to deposits | 86.9094% | 1,394 |
| Net loans and leases to core deposits | 92.3356% | 1,610 |
| Total domestic deposits to total assets | 81.0273% | 5,393 |
| Equity capital to assets | 12.8741% | 1,505 |
| Core capital (leverage) ratio | 12.4036% | 1,360 |
| Tier 1 risk-based capital ratio | 14.9340% | 3,755 |
| Total risk-based capital ratio | 16.1810% | 3,709 |
| Memoranda: | ||
| Average total assets | $122,213,400 | 4,310 |
| Average earning assets | $110,486,200 | 4,326 |
| Average equity | $15,620,200 | 3,837 |
| Average total loans | $84,590,000 | 3,889 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 2,264 |
| Cost of funding earning assets | 1.2497% | 552 |
| Net interest margin | 3.5848% | 4,296 |
| Noninterest income to average assets | 1.0287% | 1,431 |
| Noninterest expense to average assets | 2.9165% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3273% | 1,380 |
| Return on assets (ROA) | 1.8212% | 607 |
| Pretax return on assets | 1.8584% | 947 |
| Return on Equity (ROE) | 14.2753% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.2773% | 1,504 |
| Net charge-offs to loans | 0.0271% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 72.8699% | 572 |
| Efficiency ratio | 68.2877% | 4,001 |
| Assets per employee ($millions) | 4.5106% | 2,894 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,328 |
| Loan loss allowance to noncurrent loans | 5,532.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,720 |
| Noncurrent loans to loans | 0.0298% | 6,550 |
| Net loans and leases to total assets | 67.6802% | 2,338 |
| Net loans and leases to deposits | 81.5467% | 2,177 |
| Net loans and leases to core deposits | 90.3525% | 1,944 |
| Total domestic deposits to total assets | 82.9956% | 4,642 |
| Equity capital to assets | 13.1041% | 1,544 |
| Core capital (leverage) ratio | 12.5362% | 1,392 |
| Tier 1 risk-based capital ratio | 15.4169% | 3,590 |
| Total risk-based capital ratio | 16.6691% | 3,540 |
| Memoranda: | ||
| Average total assets | $121,968,500 | 4,351 |
| Average earning assets | $110,314,500 | 4,379 |
| Average equity | $15,560,250 | 3,887 |
| Average total loans | $83,693,750 | 3,966 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 2,105 |
| Cost of funding earning assets | 1.6202% | 144 |
| Net interest margin | 3.2803% | 5,500 |
| Noninterest income to average assets | 1.0129% | 1,432 |
| Noninterest expense to average assets | 2.9206% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0362% | 2,317 |
| Return on assets (ROA) | 1.7766% | 657 |
| Pretax return on assets | 1.8143% | 1,012 |
| Return on Equity (ROE) | 14.0530% | 1,103 |
| Retained earnings to average equity (ytd only) | 8.8674% | 1,322 |
| Net charge-offs to loans | 0.0311% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 49.6923% | 738 |
| Efficiency ratio | 73.3937% | 3,173 |
| Assets per employee ($millions) | 4.3742% | 3,129 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,168 |
| Loan loss allowance to noncurrent loans | 2,830.6122% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,726 |
| Noncurrent loans to loans | 0.0605% | 6,518 |
| Net loans and leases to total assets | 67.3598% | 2,394 |
| Net loans and leases to deposits | 80.7147% | 2,275 |
| Net loans and leases to core deposits | 89.6696% | 2,018 |
| Total domestic deposits to total assets | 83.4543% | 4,553 |
| Equity capital to assets | 13.1724% | 1,441 |
| Core capital (leverage) ratio | 12.1063% | 1,549 |
| Tier 1 risk-based capital ratio | 15.7066% | 3,326 |
| Total risk-based capital ratio | 16.9596% | 3,291 |
| Memoranda: | ||
| Average total assets | $122,029,330 | 4,372 |
| Average earning assets | $110,354,670 | 4,405 |
| Average equity | $15,427,330 | 3,905 |
| Average total loans | $83,655,670 | 3,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 1,948 |
| Cost of funding earning assets | 0.8595% | 2,999 |
| Net interest margin | 4.1228% | 2,016 |
| Noninterest income to average assets | 0.9065% | 1,717 |
| Noninterest expense to average assets | 2.8260% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7711% | 632 |
| Return on assets (ROA) | 1.7711% | 713 |
| Pretax return on assets | 1.8098% | 1,051 |
| Return on Equity (ROE) | 14.2945% | 1,124 |
| Retained earnings to average equity (ytd only) | 11.6908% | 879 |
| Net charge-offs to loans | 0.0518% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 627 |
| Efficiency ratio | 60.9603% | 5,461 |
| Assets per employee ($millions) | 4.5840% | 2,837 |
| Cash dividends to net income (ytd only)* | 18.2149% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,202 |
| Loan loss allowance to noncurrent loans | 2,480.3571% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 6,794 |
| Noncurrent loans to loans | 0.0701% | 6,578 |
| Net loans and leases to total assets | 63.4647% | 2,958 |
| Net loans and leases to deposits | 75.8290% | 2,823 |
| Net loans and leases to core deposits | 84.3180% | 2,509 |
| Total domestic deposits to total assets | 83.6945% | 4,637 |
| Equity capital to assets | 12.5945% | 1,662 |
| Core capital (leverage) ratio | 11.6809% | 1,784 |
| Tier 1 risk-based capital ratio | 15.4309% | 3,485 |
| Total risk-based capital ratio | 16.6843% | 3,452 |
| Memoranda: | ||
| Average total assets | $123,992,500 | 4,353 |
| Average earning assets | $112,155,500 | 4,376 |
| Average equity | $15,362,500 | 3,920 |
| Average total loans | $85,013,000 | 3,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 1,448 |
| Cost of funding earning assets | 0.9077% | 4,065 |
| Net interest margin | 4.4787% | 1,184 |
| Noninterest income to average assets | 1.4288% | 637 |
| Noninterest expense to average assets | 3.5017% | 1,975 |
| Loan and lease loss provision to assets | 0.0848% | 5,547 |
| Net operating income to assets | 1.8624% | 411 |
| Return on assets (ROA) | 1.9057% | 401 |
| Pretax return on assets | 1.9430% | 605 |
| Return on Equity (ROE) | 15.7689% | 639 |
| Retained earnings to average equity (ytd only) | 6.9928% | 1,510 |
| Net charge-offs to loans | 0.0047% | 6,377 |
| Credit loss provision to net charge-offs | 2,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 51 |
| Efficiency ratio | 63.8360% | 5,154 |
| Assets per employee ($millions) | 4.6006% | 2,754 |
| Cash dividends to net income (ytd only)* | 55.6545% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,780 |
| Loan loss allowance to noncurrent loans | 4,827.5862% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,912 |
| Noncurrent loans to loans | 0.0322% | 6,744 |
| Net loans and leases to total assets | 71.3976% | 1,752 |
| Net loans and leases to deposits | 89.6527% | 1,196 |
| Net loans and leases to core deposits | 101.0874% | 1,085 |
| Total domestic deposits to total assets | 79.6381% | 5,836 |
| Equity capital to assets | 12.1859% | 1,978 |
| Core capital (leverage) ratio | 11.2595% | 2,075 |
| Tier 1 risk-based capital ratio | 13.6124% | 4,612 |
| Total risk-based capital ratio | 14.8644% | 4,578 |
| Memoranda: | ||
| Average total assets | $117,858,200 | 4,464 |
| Average earning assets | $106,750,000 | 4,484 |
| Average equity | $14,243,200 | 4,059 |
| Average total loans | $84,343,000 | 4,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3510% | 1,669 |
| Cost of funding earning assets | 0.9380% | 4,132 |
| Net interest margin | 4.4130% | 1,369 |
| Noninterest income to average assets | 1.4518% | 621 |
| Noninterest expense to average assets | 3.4471% | 2,081 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9747% | 361 |
| Return on assets (ROA) | 2.0332% | 345 |
| Pretax return on assets | 2.0676% | 549 |
| Return on Equity (ROE) | 16.8615% | 580 |
| Retained earnings to average equity (ytd only) | 8.3024% | 1,392 |
| Net charge-offs to loans | 0.0161% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 175.1395% | 219 |
| Efficiency ratio | 63.1911% | 5,198 |
| Assets per employee ($millions) | 4.5993% | 2,759 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 4,464 |
| Loan loss allowance to noncurrent loans | 11,763.6364% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,004 |
| Noncurrent loans to loans | 0.0121% | 6,924 |
| Net loans and leases to total assets | 72.2840% | 1,652 |
| Net loans and leases to deposits | 97.5982% | 599 |
| Net loans and leases to core deposits | 107.3707% | 792 |
| Total domestic deposits to total assets | 74.0629% | 6,750 |
| Equity capital to assets | 12.1122% | 2,160 |
| Core capital (leverage) ratio | 11.4310% | 2,079 |
| Tier 1 risk-based capital ratio | 13.4188% | 4,792 |
| Total risk-based capital ratio | 14.6689% | 4,767 |
| Memoranda: | ||
| Average total assets | $116,268,500 | 4,524 |
| Average earning assets | $105,473,500 | 4,538 |
| Average equity | $14,019,750 | 4,120 |
| Average total loans | $82,906,750 | 4,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 1,711 |
| Cost of funding earning assets | 0.9807% | 4,083 |
| Net interest margin | 4.3733% | 1,457 |
| Noninterest income to average assets | 1.7055% | 461 |
| Noninterest expense to average assets | 3.6997% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9361% | 379 |
| Return on assets (ROA) | 2.0241% | 345 |
| Pretax return on assets | 2.0593% | 522 |
| Return on Equity (ROE) | 16.8137% | 573 |
| Retained earnings to average equity (ytd only) | 7.3103% | 1,737 |
| Net charge-offs to loans | 0.0249% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 111.9000% | 325 |
| Efficiency ratio | 65.2592% | 5,013 |
| Assets per employee ($millions) | 4.2683% | 3,218 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 3,792 |
| Loan loss allowance to noncurrent loans | 10,783.3333% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 7,034 |
| Noncurrent loans to loans | 0.0146% | 6,966 |
| Net loans and leases to total assets | 70.0343% | 2,212 |
| Net loans and leases to deposits | 88.3420% | 1,448 |
| Net loans and leases to core deposits | 96.8896% | 1,597 |
| Total domestic deposits to total assets | 79.2763% | 6,017 |
| Equity capital to assets | 12.4309% | 1,826 |
| Core capital (leverage) ratio | 11.6493% | 1,811 |
| Tier 1 risk-based capital ratio | 14.3623% | 3,893 |
| Total risk-based capital ratio | 15.6138% | 3,862 |
| Memoranda: | ||
| Average total assets | $113,631,000 | 4,618 |
| Average earning assets | $102,988,330 | 4,628 |
| Average equity | $13,679,330 | 4,185 |
| Average total loans | $80,190,000 | 4,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 1,710 |
| Cost of funding earning assets | 0.9918% | 4,260 |
| Net interest margin | 4.3632% | 1,382 |
| Noninterest income to average assets | 1.7585% | 442 |
| Noninterest expense to average assets | 3.8502% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8219% | 471 |
| Return on assets (ROA) | 1.9748% | 377 |
| Pretax return on assets | 2.0102% | 552 |
| Return on Equity (ROE) | 16.6816% | 611 |
| Retained earnings to average equity (ytd only) | 4.7020% | 3,377 |
| Net charge-offs to loans | 0.0858% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 30.7647% | 817 |
| Efficiency ratio | 67.4953% | 4,755 |
| Assets per employee ($millions) | 4.4202% | 3,019 |
| Cash dividends to net income (ytd only)* | 71.8133% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 3,454 |
| Loan loss allowance to noncurrent loans | 1,191.6667% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,893 |
| Noncurrent loans to loans | 0.1400% | 6,693 |
| Net loans and leases to total assets | 66.0054% | 3,010 |
| Net loans and leases to deposits | 80.2234% | 2,677 |
| Net loans and leases to core deposits | 89.9663% | 2,348 |
| Total domestic deposits to total assets | 82.2770% | 5,198 |
| Equity capital to assets | 11.7060% | 2,117 |
| Core capital (leverage) ratio | 11.5583% | 1,815 |
| Tier 1 risk-based capital ratio | 14.6614% | 3,635 |
| Total risk-based capital ratio | 15.9242% | 3,588 |
| Memoranda: | ||
| Average total assets | $112,824,000 | 4,671 |
| Average earning assets | $102,035,500 | 4,685 |
| Average equity | $13,356,000 | 4,251 |
| Average total loans | $79,282,500 | 4,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8657% | 1,118 |
| Cost of funding earning assets | 1.2264% | 4,377 |
| Net interest margin | 4.6393% | 928 |
| Noninterest income to average assets | 1.5894% | 580 |
| Noninterest expense to average assets | 3.5056% | 2,155 |
| Loan and lease loss provision to assets | 0.2387% | 4,902 |
| Net operating income to assets | 1.7465% | 467 |
| Return on assets (ROA) | 1.7779% | 482 |
| Pretax return on assets | 2.0924% | 395 |
| Return on Equity (ROE) | 15.1917% | 690 |
| Retained earnings to average equity (ytd only) | 15.1917% | 116 |
| Net charge-offs to loans | 0.1168% | 5,710 |
| Credit loss provision to net charge-offs | 270.9677% | 1,017 |
| Earnings coverage of net charge-offs (x) | 26.0430% | 826 |
| Efficiency ratio | 60.4442% | 5,981 |
| Assets per employee ($millions) | 4.4290% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,560 |
| Loan loss allowance to noncurrent loans | 1,330.6122% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 7,004 |
| Noncurrent loans to loans | 0.1204% | 6,838 |
| Net loans and leases to total assets | 72.3583% | 2,016 |
| Net loans and leases to deposits | 88.3281% | 1,748 |
| Net loans and leases to core deposits | 99.5576% | 1,652 |
| Total domestic deposits to total assets | 81.9199% | 5,211 |
| Equity capital to assets | 11.9748% | 1,934 |
| Core capital (leverage) ratio | 11.8213% | 1,657 |
| Tier 1 risk-based capital ratio | 13.9418% | 3,906 |
| Total risk-based capital ratio | 15.1596% | 3,896 |
| Memoranda: | ||
| Average total assets | $105,573,400 | 4,835 |
| Average earning assets | $95,812,000 | 4,835 |
| Average equity | $12,355,400 | 4,514 |
| Average total loans | $79,615,400 | 4,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 1,048 |
| Cost of funding earning assets | 1.2737% | 4,413 |
| Net interest margin | 4.6689% | 909 |
| Noninterest income to average assets | 1.6096% | 542 |
| Noninterest expense to average assets | 3.5300% | 1,964 |
| Loan and lease loss provision to assets | 0.1931% | 5,108 |
| Net operating income to assets | 1.7291% | 587 |
| Return on assets (ROA) | 1.7695% | 594 |
| Pretax return on assets | 2.1824% | 428 |
| Return on Equity (ROE) | 15.2132% | 825 |
| Retained earnings to average equity (ytd only) | 15.2132% | 201 |
| Net charge-offs to loans | 0.1331% | 5,233 |
| Credit loss provision to net charge-offs | 191.1392% | 1,879 |
| Earnings coverage of net charge-offs (x) | 23.0254% | 1,070 |
| Efficiency ratio | 60.2838% | 5,910 |
| Assets per employee ($millions) | 4.2728% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 4,040 |
| Loan loss allowance to noncurrent loans | 387.5796% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,636 |
| Noncurrent loans to loans | 0.3828% | 6,428 |
| Net loans and leases to total assets | 75.6551% | 1,467 |
| Net loans and leases to deposits | 92.2513% | 1,413 |
| Net loans and leases to core deposits | 107.5870% | 1,194 |
| Total domestic deposits to total assets | 82.0098% | 4,985 |
| Equity capital to assets | 12.1542% | 2,056 |
| Core capital (leverage) ratio | 11.6014% | 1,871 |
| Tier 1 risk-based capital ratio | 13.5377% | 4,171 |
| Total risk-based capital ratio | 14.7970% | 4,116 |
| Memoranda: | ||
| Average total assets | $104,285,750 | 4,926 |
| Average earning assets | $94,837,250 | 4,936 |
| Average equity | $12,129,500 | 4,641 |
| Average total loans | $79,163,750 | 4,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 1,070 |
| Cost of funding earning assets | 1.2968% | 4,557 |
| Net interest margin | 4.6459% | 902 |
| Noninterest income to average assets | 1.0151% | 1,337 |
| Noninterest expense to average assets | 2.9079% | 4,044 |
| Loan and lease loss provision to assets | 0.2920% | 4,048 |
| Net operating income to assets | 1.4443% | 1,004 |
| Return on assets (ROA) | 1.4443% | 1,071 |
| Pretax return on assets | 2.0475% | 553 |
| Return on Equity (ROE) | 12.6129% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.6129% | 422 |
| Net charge-offs to loans | 0.1918% | 4,460 |
| Credit loss provision to net charge-offs | 201.3333% | 1,943 |
| Earnings coverage of net charge-offs (x) | 16.1333% | 1,417 |
| Efficiency ratio | 55.4164% | 6,714 |
| Assets per employee ($millions) | 4.4170% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,953 |
| Loan loss allowance to noncurrent loans | 254.3750% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 6,319 |
| Noncurrent loans to loans | 0.5885% | 6,071 |
| Net loans and leases to total assets | 75.7943% | 1,528 |
| Net loans and leases to deposits | 93.4333% | 1,350 |
| Net loans and leases to core deposits | 110.4182% | 1,141 |
| Total domestic deposits to total assets | 81.1212% | 5,362 |
| Equity capital to assets | 11.6472% | 2,323 |
| Core capital (leverage) ratio | 11.2435% | 2,074 |
| Tier 1 risk-based capital ratio | 13.0560% | 4,392 |
| Total risk-based capital ratio | 14.3077% | 4,346 |
| Memoranda: | ||
| Average total assets | $103,441,330 | 4,979 |
| Average earning assets | $94,234,000 | 4,982 |
| Average equity | $11,845,000 | 4,721 |
| Average total loans | $78,208,000 | 4,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 1,126 |
| Cost of funding earning assets | 1.3793% | 4,311 |
| Net interest margin | 4.5518% | 1,045 |
| Noninterest income to average assets | 1.0219% | 1,231 |
| Noninterest expense to average assets | 2.8152% | 4,435 |
| Loan and lease loss provision to assets | 0.2976% | 3,656 |
| Net operating income to assets | 0.8771% | 2,647 |
| Return on assets (ROA) | 0.8771% | 2,724 |
| Pretax return on assets | 2.0439% | 563 |
| Return on Equity (ROE) | 7.7281% | 3,010 |
| Retained earnings to average equity (ytd only) | 7.7281% | 1,825 |
| Net charge-offs to loans | 0.0784% | 4,634 |
| Credit loss provision to net charge-offs | 506.6667% | 821 |
| Earnings coverage of net charge-offs (x) | 39.8667% | 693 |
| Efficiency ratio | 54.5938% | 6,919 |
| Assets per employee ($millions) | 4.2105% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,521 |
| Loan loss allowance to noncurrent loans | 693.1034% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 7,046 |
| Noncurrent loans to loans | 0.2285% | 6,879 |
| Net loans and leases to total assets | 74.1616% | 1,934 |
| Net loans and leases to deposits | 90.1752% | 1,877 |
| Net loans and leases to core deposits | 104.6238% | 1,691 |
| Total domestic deposits to total assets | 82.2416% | 4,963 |
| Equity capital to assets | 11.6129% | 2,285 |
| Core capital (leverage) ratio | 11.0571% | 2,196 |
| Tier 1 risk-based capital ratio | 13.4336% | 4,030 |
| Total risk-based capital ratio | 14.6855% | 3,990 |
| Memoranda: | ||
| Average total assets | $102,158,000 | 5,086 |
| Average earning assets | $92,798,000 | 5,084 |
| Average equity | $11,594,000 | 4,819 |
| Average total loans | $76,527,500 | 4,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 1,979 |
| Cost of funding earning assets | 1.8713% | 3,616 |
| Net interest margin | 4.1009% | 2,442 |
| Noninterest income to average assets | 0.9048% | 1,924 |
| Noninterest expense to average assets | 2.7796% | 5,052 |
| Loan and lease loss provision to assets | 0.1541% | 6,132 |
| Net operating income to assets | 1.2310% | 1,174 |
| Return on assets (ROA) | 1.2310% | 1,227 |
| Pretax return on assets | 1.7462% | 702 |
| Return on Equity (ROE) | 11.5676% | 1,273 |
| Retained earnings to average equity (ytd only) | 3.7048% | 2,603 |
| Net charge-offs to loans | 0.1154% | 6,010 |
| Credit loss provision to net charge-offs | 189.5349% | 2,117 |
| Earnings coverage of net charge-offs (x) | 23.3721% | 934 |
| Efficiency ratio | 59.3939% | 6,574 |
| Assets per employee ($millions) | 4.3027% | 3,262 |
| Cash dividends to net income (ytd only)* | 67.9724% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,782 |
| Loan loss allowance to noncurrent loans | 2,120.3704% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 7,369 |
| Noncurrent loans to loans | 0.0702% | 7,248 |
| Net loans and leases to total assets | 73.3675% | 2,413 |
| Net loans and leases to deposits | 89.7166% | 2,257 |
| Net loans and leases to core deposits | 119.1936% | 2,012 |
| Total domestic deposits to total assets | 81.7770% | 5,046 |
| Equity capital to assets | 11.0909% | 2,632 |
| Core capital (leverage) ratio | 10.4066% | 2,684 |
| Tier 1 risk-based capital ratio | 11.6276% | 5,265 |
| Total risk-based capital ratio | 12.7759% | 5,329 |
| Memoranda: | ||
| Average total assets | $105,771,400 | 4,933 |
| Average earning assets | $97,367,800 | 4,910 |
| Average equity | $11,255,600 | 4,958 |
| Average total loans | $74,504,600 | 4,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 2,394 |
| Cost of funding earning assets | 1.9932% | 3,387 |
| Net interest margin | 3.9200% | 3,158 |
| Noninterest income to average assets | 0.8471% | 2,216 |
| Noninterest expense to average assets | 2.7782% | 4,985 |
| Loan and lease loss provision to assets | 0.0451% | 6,919 |
| Net operating income to assets | 1.1667% | 1,548 |
| Return on assets (ROA) | 1.1667% | 1,607 |
| Pretax return on assets | 1.6491% | 1,072 |
| Return on Equity (ROE) | 11.0769% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.5568% | 2,730 |
| Net charge-offs to loans | 0.1533% | 5,182 |
| Credit loss provision to net charge-offs | 42.3529% | 6,399 |
| Earnings coverage of net charge-offs (x) | 15.9059% | 1,509 |
| Efficiency ratio | 62.1182% | 6,082 |
| Assets per employee ($millions) | 4.4405% | 2,959 |
| Cash dividends to net income (ytd only)* | 58.8617% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 4,390 |
| Loan loss allowance to noncurrent loans | 625.1534% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 7,156 |
| Noncurrent loans to loans | 0.2108% | 6,972 |
| Net loans and leases to total assets | 71.5851% | 3,133 |
| Net loans and leases to deposits | 93.5086% | 1,965 |
| Net loans and leases to core deposits | 126.7954% | 1,678 |
| Total domestic deposits to total assets | 76.5546% | 6,455 |
| Equity capital to assets | 10.7393% | 3,256 |
| Core capital (leverage) ratio | 10.1161% | 3,155 |
| Tier 1 risk-based capital ratio | 12.6171% | 4,462 |
| Total risk-based capital ratio | 13.7223% | 4,518 |
| Memoranda: | ||
| Average total assets | $106,398,000 | 4,948 |
| Average earning assets | $98,398,000 | 4,910 |
| Average equity | $11,206,250 | 5,013 |
| Average total loans | $73,903,750 | 4,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 2,800 |
| Cost of funding earning assets | 2.1278% | 3,147 |
| Net interest margin | 3.7231% | 3,863 |
| Noninterest income to average assets | 0.7993% | 2,416 |
| Noninterest expense to average assets | 2.7233% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0796% | 1,840 |
| Return on assets (ROA) | 1.0796% | 1,914 |
| Pretax return on assets | 1.5215% | 1,387 |
| Return on Equity (ROE) | 10.3176% | 1,910 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,151 |
| Net charge-offs to loans | -0.0027% | 7,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1560% | 5,888 |
| Assets per employee ($millions) | 4.4127% | 2,907 |
| Cash dividends to net income (ytd only)* | 62.7178% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 3,672 |
| Loan loss allowance to noncurrent loans | 75.8694% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 4,290 |
| Noncurrent loans to loans | 1.8582% | 3,722 |
| Net loans and leases to total assets | 70.5913% | 3,551 |
| Net loans and leases to deposits | 87.0515% | 3,348 |
| Net loans and leases to core deposits | 122.1992% | 2,196 |
| Total domestic deposits to total assets | 81.0914% | 5,044 |
| Equity capital to assets | 10.6143% | 3,284 |
| Core capital (leverage) ratio | 10.1666% | 3,130 |
| Tier 1 risk-based capital ratio | 12.6609% | 4,387 |
| Total risk-based capital ratio | 13.9111% | 4,308 |
| Memoranda: | ||
| Average total assets | $106,340,330 | 4,981 |
| Average earning assets | $98,412,000 | 4,942 |
| Average equity | $11,126,670 | 5,046 |
| Average total loans | $72,769,000 | 4,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,819 |
| Cost of funding earning assets | 2.2308% | 3,010 |
| Net interest margin | 3.6652% | 4,037 |
| Noninterest income to average assets | 0.8484% | 2,087 |
| Noninterest expense to average assets | 2.5714% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1674% | 1,752 |
| Return on assets (ROA) | 1.1674% | 1,864 |
| Pretax return on assets | 1.6629% | 1,263 |
| Return on Equity (ROE) | 11.2381% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.7337% | 3,276 |
| Net charge-offs to loans | -0.0112% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7270% | 6,288 |
| Assets per employee ($millions) | 4.4947% | 2,727 |
| Cash dividends to net income (ytd only)* | 57.8778% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 2,858 |
| Loan loss allowance to noncurrent loans | 147.9945% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,488 |
| Noncurrent loans to loans | 1.0282% | 4,934 |
| Net loans and leases to total assets | 64.1927% | 4,953 |
| Net loans and leases to deposits | 77.5353% | 5,002 |
| Net loans and leases to core deposits | 104.8657% | 4,044 |
| Total domestic deposits to total assets | 82.7916% | 4,250 |
| Equity capital to assets | 10.3141% | 3,638 |
| Core capital (leverage) ratio | 10.1704% | 3,225 |
| Tier 1 risk-based capital ratio | 13.2021% | 4,052 |
| Total risk-based capital ratio | 14.4529% | 3,970 |
| Memoranda: | ||
| Average total assets | $106,558,500 | 4,991 |
| Average earning assets | $98,439,000 | 4,957 |
| Average equity | $11,069,500 | 5,090 |
| Average total loans | $71,239,500 | 4,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4297% | 3,276 |
| Cost of funding earning assets | 2.7452% | 2,952 |
| Net interest margin | 3.6845% | 4,530 |
| Noninterest income to average assets | 0.8732% | 2,089 |
| Noninterest expense to average assets | 2.6225% | 5,567 |
| Loan and lease loss provision to assets | 0.0970% | 6,147 |
| Net operating income to assets | 1.0857% | 2,202 |
| Return on assets (ROA) | 1.0857% | 2,120 |
| Pretax return on assets | 1.5407% | 1,560 |
| Return on Equity (ROE) | 10.4122% | 2,120 |
| Retained earnings to average equity (ytd only) | 4.2710% | 2,466 |
| Net charge-offs to loans | 0.0496% | 6,082 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 48.2286% | 781 |
| Efficiency ratio | 61.5577% | 6,040 |
| Assets per employee ($millions) | 4.3852% | 2,820 |
| Cash dividends to net income (ytd only)* | 58.9812% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 2,791 |
| Loan loss allowance to noncurrent loans | 141.0832% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 5,069 |
| Noncurrent loans to loans | 1.0490% | 4,474 |
| Net loans and leases to total assets | 67.5519% | 4,543 |
| Net loans and leases to deposits | 81.9123% | 4,743 |
| Net loans and leases to core deposits | 109.4039% | 3,817 |
| Total domestic deposits to total assets | 82.4685% | 4,009 |
| Equity capital to assets | 10.4642% | 3,543 |
| Core capital (leverage) ratio | 10.0009% | 3,447 |
| Tier 1 risk-based capital ratio | 12.8250% | 4,202 |
| Total risk-based capital ratio | 14.0759% | 4,132 |
| Memoranda: | ||
| Average total assets | $103,071,000 | 4,960 |
| Average earning assets | $94,747,800 | 4,955 |
| Average equity | $10,747,000 | 5,196 |
| Average total loans | $70,593,600 | 4,846 |