Home > Forest Park National Bank and Trust Company > Performance and Condition Ratios
Forest Park National Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3879% | 2,330 |
| Cost of funding earning assets | 1.5892% | 3,002 |
| Net interest margin | 3.7987% | 1,682 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 3.2027% | 879 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.5696% | 3,418 |
| Return on assets (ROA) | 0.5696% | 3,432 |
| Pretax return on assets | 0.5733% | 3,617 |
| Return on Equity (ROE) | 8.3300% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.3279% | 1,604 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 84.1285% | 729 |
| Assets per employee ($millions) | 6.7038% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,462 |
| Loan loss allowance to noncurrent loans | 129.4251% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 1,092 |
| Noncurrent loans to loans | 0.8887% | 1,188 |
| Net loans and leases to total assets | 76.3600% | 1,038 |
| Net loans and leases to deposits | 85.9463% | 1,496 |
| Net loans and leases to core deposits | 91.6110% | 1,940 |
| Total domestic deposits to total assets | 88.8400% | 1,250 |
| Equity capital to assets | 7.0420% | 4,022 |
| Core capital (leverage) ratio | 8.0750% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4968% | 2,617 |
| Memoranda: | ||
| Average total assets | $323,728,000 | 2,374 |
| Average earning assets | $309,582,500 | 2,327 |
| Average equity | $22,142,500 | 2,875 |
| Average total loans | $246,829,000 | 2,130 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 2,203 |
| Cost of funding earning assets | 1.5698% | 3,231 |
| Net interest margin | 3.8960% | 1,362 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 3.3844% | 680 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.5100% | 3,451 |
| Return on assets (ROA) | 0.5091% | 3,470 |
| Pretax return on assets | 0.5211% | 3,609 |
| Return on Equity (ROE) | 7.4600% | 2,905 |
| Retained earnings to average equity (ytd only) | -0.3294% | 4,018 |
| Net charge-offs to loans | 0.0107% | 2,521 |
| Credit loss provision to net charge-offs | -320.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 1,034 |
| Efficiency ratio | 86.3567% | 667 |
| Assets per employee ($millions) | 6.6464% | 2,410 |
| Cash dividends to net income (ytd only)* | 104.4127% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,393 |
| Loan loss allowance to noncurrent loans | 341.0349% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,241 |
| Noncurrent loans to loans | 0.3390% | 2,239 |
| Net loans and leases to total assets | 74.3900% | 1,355 |
| Net loans and leases to deposits | 83.8334% | 1,795 |
| Net loans and leases to core deposits | 89.1552% | 2,166 |
| Total domestic deposits to total assets | 88.7300% | 1,251 |
| Equity capital to assets | 6.6871% | 4,054 |
| Core capital (leverage) ratio | 7.8485% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5839% | 2,634 |
| Memoranda: | ||
| Average total assets | $316,066,400 | 2,382 |
| Average earning assets | $301,181,600 | 2,340 |
| Average equity | $21,555,400 | 2,865 |
| Average total loans | $234,125,200 | 2,169 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 2,213 |
| Cost of funding earning assets | 1.5375% | 3,286 |
| Net interest margin | 3.8953% | 1,311 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 3.4006% | 641 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.4994% | 3,468 |
| Return on assets (ROA) | 0.4982% | 3,504 |
| Pretax return on assets | 0.5118% | 3,633 |
| Return on Equity (ROE) | 7.2700% | 2,962 |
| Retained earnings to average equity (ytd only) | -0.8310% | 4,119 |
| Net charge-offs to loans | 0.0144% | 2,128 |
| Credit loss provision to net charge-offs | -320.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | 49.2800% | 1,209 |
| Efficiency ratio | 86.6551% | 675 |
| Assets per employee ($millions) | 6.5134% | 2,499 |
| Cash dividends to net income (ytd only)* | 111.4334% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,282 |
| Loan loss allowance to noncurrent loans | 341.4458% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 2,191 |
| Noncurrent loans to loans | 0.3475% | 2,237 |
| Net loans and leases to total assets | 73.9500% | 1,367 |
| Net loans and leases to deposits | 82.8145% | 1,896 |
| Net loans and leases to core deposits | 87.9875% | 2,296 |
| Total domestic deposits to total assets | 89.3000% | 803 |
| Equity capital to assets | 7.0150% | 4,123 |
| Core capital (leverage) ratio | 8.1020% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8415% | 2,585 |
| Memoranda: | ||
| Average total assets | $313,664,500 | 2,388 |
| Average earning assets | $298,574,000 | 2,349 |
| Average equity | $21,499,750 | 2,866 |
| Average total loans | $231,381,500 | 2,172 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 2,099 |
| Cost of funding earning assets | 1.4848% | 3,321 |
| Net interest margin | 3.9441% | 1,195 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 3.2152% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7369% | 2,838 |
| Return on assets (ROA) | 0.7369% | 2,849 |
| Pretax return on assets | 0.7510% | 3,117 |
| Return on Equity (ROE) | 10.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 2.1600% | 3,296 |
| Net charge-offs to loans | 0.0218% | 1,719 |
| Credit loss provision to net charge-offs | -320.0000% | 4,481 |
| Earnings coverage of net charge-offs (x) | 46.8400% | 1,160 |
| Efficiency ratio | 81.0640% | 1,044 |
| Assets per employee ($millions) | 6.0600% | 2,743 |
| Cash dividends to net income (ytd only)* | 80.0696% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,077 |
| Loan loss allowance to noncurrent loans | 336.5796% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 2,072 |
| Noncurrent loans to loans | 0.3655% | 2,095 |
| Net loans and leases to total assets | 73.6100% | 1,462 |
| Net loans and leases to deposits | 81.7644% | 2,038 |
| Net loans and leases to core deposits | 86.6195% | 2,368 |
| Total domestic deposits to total assets | 90.0300% | 689 |
| Equity capital to assets | 6.8802% | 3,983 |
| Core capital (leverage) ratio | 8.2631% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3354% | 2,479 |
| Memoranda: | ||
| Average total assets | $311,833,333 | 2,388 |
| Average earning assets | $296,339,667 | 2,346 |
| Average equity | $21,203,333 | 2,860 |
| Average total loans | $228,889,667 | 2,177 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 2,114 |
| Cost of funding earning assets | 1.3953% | 3,406 |
| Net interest margin | 3.9513% | 1,147 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 3.2233% | 806 |
| Loan and lease loss provision to assets | -0.1000% | 4,444 |
| Net operating income to assets | 0.8275% | 2,459 |
| Return on assets (ROA) | 0.8275% | 2,473 |
| Pretax return on assets | 0.8429% | 2,822 |
| Return on Equity (ROE) | 12.2400% | 1,502 |
| Retained earnings to average equity (ytd only) | 2.7960% | 3,030 |
| Net charge-offs to loans | -0.0070% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.3144% | 1,103 |
| Assets per employee ($millions) | 6.4338% | 2,502 |
| Cash dividends to net income (ytd only)* | 77.1605% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,005 |
| Loan loss allowance to noncurrent loans | 644.8198% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 2,687 |
| Noncurrent loans to loans | 0.1938% | 2,653 |
| Net loans and leases to total assets | 71.7600% | 1,586 |
| Net loans and leases to deposits | 79.4086% | 2,119 |
| Net loans and leases to core deposits | 83.7880% | 2,460 |
| Total domestic deposits to total assets | 90.3700% | 681 |
| Equity capital to assets | 6.7016% | 4,021 |
| Core capital (leverage) ratio | 8.2266% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3219% | 2,481 |
| Memoranda: | ||
| Average total assets | $313,220,000 | 2,387 |
| Average earning assets | $296,716,000 | 2,354 |
| Average equity | $21,173,000 | 2,867 |
| Average total loans | $228,164,000 | 2,182 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,918 |
| Cost of funding earning assets | 0.8875% | 3,544 |
| Net interest margin | 4.1848% | 957 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.0960% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1190% | 1,863 |
| Return on assets (ROA) | 1.0703% | 1,977 |
| Pretax return on assets | 1.0859% | 2,447 |
| Return on Equity (ROE) | 16.8600% | 971 |
| Retained earnings to average equity (ytd only) | 7.6099% | 1,667 |
| Net charge-offs to loans | -0.0705% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.1709% | 1,537 |
| Assets per employee ($millions) | 6.3507% | 2,514 |
| Cash dividends to net income (ytd only)* | 54.8613% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 1,797 |
| Loan loss allowance to noncurrent loans | 648.7859% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,548 |
| Noncurrent loans to loans | 0.1993% | 2,514 |
| Net loans and leases to total assets | 72.0800% | 1,571 |
| Net loans and leases to deposits | 79.8259% | 2,127 |
| Net loans and leases to core deposits | 82.3362% | 2,563 |
| Total domestic deposits to total assets | 90.3000% | 678 |
| Equity capital to assets | 6.8188% | 4,012 |
| Core capital (leverage) ratio | 8.1414% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2769% | 2,504 |
| Memoranda: | ||
| Average total assets | $306,557,200 | 2,402 |
| Average earning assets | $288,903,800 | 2,355 |
| Average equity | $19,461,400 | 2,909 |
| Average total loans | $215,666,000 | 2,192 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 1,993 |
| Cost of funding earning assets | 0.7686% | 3,608 |
| Net interest margin | 4.1630% | 975 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.0914% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1004% | 2,053 |
| Return on assets (ROA) | 1.0783% | 2,110 |
| Pretax return on assets | 1.0941% | 2,582 |
| Return on Equity (ROE) | 17.3100% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.0957% | 1,930 |
| Net charge-offs to loans | -0.0952% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.4696% | 1,406 |
| Assets per employee ($millions) | 6.2666% | 2,515 |
| Cash dividends to net income (ytd only)* | 53.2389% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,742 |
| Loan loss allowance to noncurrent loans | 588.9780% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,494 |
| Noncurrent loans to loans | 0.2258% | 2,445 |
| Net loans and leases to total assets | 71.0200% | 1,696 |
| Net loans and leases to deposits | 78.2075% | 2,231 |
| Net loans and leases to core deposits | 80.3342% | 2,572 |
| Total domestic deposits to total assets | 90.8100% | 715 |
| Equity capital to assets | 6.1137% | 3,951 |
| Core capital (leverage) ratio | 8.1534% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3289% | 2,502 |
| Memoranda: | ||
| Average total assets | $305,400,250 | 2,409 |
| Average earning assets | $287,443,000 | 2,372 |
| Average equity | $19,022,000 | 2,936 |
| Average total loans | $212,771,250 | 2,213 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 1,930 |
| Cost of funding earning assets | 0.6446% | 3,643 |
| Net interest margin | 4.1839% | 952 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 3.1085% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1117% | 2,092 |
| Return on assets (ROA) | 1.0786% | 2,181 |
| Pretax return on assets | 1.0943% | 2,663 |
| Return on Equity (ROE) | 17.2100% | 1,058 |
| Retained earnings to average equity (ytd only) | 8.3120% | 1,871 |
| Net charge-offs to loans | -0.1447% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.3777% | 1,422 |
| Assets per employee ($millions) | 5.9126% | 2,786 |
| Cash dividends to net income (ytd only)* | 51.7032% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,684 |
| Loan loss allowance to noncurrent loans | 577.4067% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 2,374 |
| Noncurrent loans to loans | 0.2350% | 2,320 |
| Net loans and leases to total assets | 70.8600% | 1,650 |
| Net loans and leases to deposits | 78.2050% | 2,111 |
| Net loans and leases to core deposits | 80.2114% | 2,458 |
| Total domestic deposits to total assets | 90.6100% | 755 |
| Equity capital to assets | 6.3984% | 4,034 |
| Core capital (leverage) ratio | 8.1757% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3990% | 2,506 |
| Memoranda: | ||
| Average total assets | $304,845,667 | 2,416 |
| Average earning assets | $287,007,333 | 2,389 |
| Average equity | $19,105,000 | 2,936 |
| Average total loans | $210,022,000 | 2,224 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 1,936 |
| Cost of funding earning assets | 0.5567% | 3,513 |
| Net interest margin | 4.1086% | 1,085 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.0043% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1494% | 2,070 |
| Return on assets (ROA) | 1.1145% | 2,146 |
| Pretax return on assets | 1.1302% | 2,626 |
| Return on Equity (ROE) | 17.9700% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.9745% | 2,226 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.0501% | 1,529 |
| Assets per employee ($millions) | 6.5177% | 2,329 |
| Cash dividends to net income (ytd only)* | 55.6206% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,822 |
| Loan loss allowance to noncurrent loans | 794.0171% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,720 |
| Noncurrent loans to loans | 0.1699% | 2,637 |
| Net loans and leases to total assets | 66.5300% | 2,007 |
| Net loans and leases to deposits | 72.0207% | 2,468 |
| Net loans and leases to core deposits | 73.5278% | 2,714 |
| Total domestic deposits to total assets | 92.3700% | 426 |
| Equity capital to assets | 6.4042% | 4,061 |
| Core capital (leverage) ratio | 7.8532% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6191% | 2,527 |
| Memoranda: | ||
| Average total assets | $306,496,500 | 2,430 |
| Average earning assets | $288,861,000 | 2,403 |
| Average equity | $19,010,500 | 2,976 |
| Average total loans | $206,719,500 | 2,258 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 1,201 |
| Cost of funding earning assets | 0.2302% | 3,515 |
| Net interest margin | 3.9941% | 793 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 3.0391% | 911 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.0573% | 2,344 |
| Return on assets (ROA) | 1.0573% | 2,292 |
| Pretax return on assets | 1.0728% | 2,854 |
| Return on Equity (ROE) | 17.2800% | 817 |
| Retained earnings to average equity (ytd only) | 7.8488% | 1,902 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.4826% | 1,169 |
| Assets per employee ($millions) | 6.3888% | 2,428 |
| Cash dividends to net income (ytd only)* | 54.5917% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 1,898 |
| Loan loss allowance to noncurrent loans | 676.8262% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 2,613 |
| Noncurrent loans to loans | 0.1919% | 2,522 |
| Net loans and leases to total assets | 66.5800% | 1,968 |
| Net loans and leases to deposits | 71.7162% | 2,433 |
| Net loans and leases to core deposits | 73.0735% | 2,645 |
| Total domestic deposits to total assets | 92.8300% | 441 |
| Equity capital to assets | 6.0011% | 4,090 |
| Core capital (leverage) ratio | 7.5993% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4499% | 2,590 |
| Memoranda: | ||
| Average total assets | $316,176,200 | 2,370 |
| Average earning assets | $298,390,600 | 2,344 |
| Average equity | $19,340,600 | 3,008 |
| Average total loans | $209,416,400 | 2,170 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 1,094 |
| Cost of funding earning assets | 0.1761% | 3,556 |
| Net interest margin | 3.9062% | 797 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 3.0407% | 861 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.9882% | 2,517 |
| Return on assets (ROA) | 0.9882% | 2,491 |
| Pretax return on assets | 1.0037% | 3,001 |
| Return on Equity (ROE) | 16.0800% | 957 |
| Retained earnings to average equity (ytd only) | 6.8862% | 2,408 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.9699% | 1,082 |
| Assets per employee ($millions) | 6.2795% | 2,507 |
| Cash dividends to net income (ytd only)* | 57.1792% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,980 |
| Loan loss allowance to noncurrent loans | 675.1256% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 2,724 |
| Noncurrent loans to loans | 0.1943% | 2,627 |
| Net loans and leases to total assets | 64.3900% | 2,052 |
| Net loans and leases to deposits | 68.9225% | 2,459 |
| Net loans and leases to core deposits | 70.4492% | 2,610 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 5.4014% | 4,160 |
| Core capital (leverage) ratio | 7.4314% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4158% | 2,683 |
| Memoranda: | ||
| Average total assets | $318,554,750 | 2,377 |
| Average earning assets | $300,538,750 | 2,354 |
| Average equity | $19,575,000 | 3,029 |
| Average total loans | $210,056,750 | 2,166 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 958 |
| Cost of funding earning assets | 0.1473% | 3,612 |
| Net interest margin | 3.8380% | 694 |
| Noninterest income to average assets | 0.3305% | 3,182 |
| Noninterest expense to average assets | 2.9955% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9335% | 2,431 |
| Return on assets (ROA) | 0.9335% | 2,409 |
| Pretax return on assets | 0.9491% | 2,901 |
| Return on Equity (ROE) | 14.6134% | 975 |
| Retained earnings to average equity (ytd only) | 6.0547% | 2,321 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9385% | 1,293 |
| Assets per employee ($millions) | 6.3049% | 2,479 |
| Cash dividends to net income (ytd only)* | 58.5676% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,031 |
| Loan loss allowance to noncurrent loans | 807.8261% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 2,943 |
| Noncurrent loans to loans | 0.1651% | 2,869 |
| Net loans and leases to total assets | 65.4077% | 1,767 |
| Net loans and leases to deposits | 70.2796% | 2,179 |
| Net loans and leases to core deposits | 72.4125% | 2,295 |
| Total domestic deposits to total assets | 93.0679% | 497 |
| Equity capital to assets | 5.8275% | 4,262 |
| Core capital (leverage) ratio | 7.2080% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0732% | 2,797 |
| Memoranda: | ||
| Average total assets | $320,081,667 | 2,384 |
| Average earning assets | $301,405,333 | 2,374 |
| Average equity | $20,447,000 | 3,025 |
| Average total loans | $211,794,667 | 2,158 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 1,003 |
| Cost of funding earning assets | 0.1386% | 3,651 |
| Net interest margin | 3.7088% | 739 |
| Noninterest income to average assets | 0.3026% | 3,299 |
| Noninterest expense to average assets | 2.9507% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8223% | 2,586 |
| Return on assets (ROA) | 0.8223% | 2,582 |
| Pretax return on assets | 0.8372% | 2,988 |
| Return on Equity (ROE) | 12.3435% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.8964% | 2,627 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8978% | 1,322 |
| Assets per employee ($millions) | 6.5822% | 2,310 |
| Cash dividends to net income (ytd only)* | 60.3318% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,332 |
| Loan loss allowance to noncurrent loans | 785.0704% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,038 |
| Noncurrent loans to loans | 0.1664% | 2,980 |
| Net loans and leases to total assets | 65.2781% | 1,489 |
| Net loans and leases to deposits | 70.2799% | 1,940 |
| Net loans and leases to core deposits | 72.4271% | 2,074 |
| Total domestic deposits to total assets | 92.8831% | 304 |
| Equity capital to assets | 6.1793% | 4,540 |
| Core capital (leverage) ratio | 7.2253% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9069% | 2,913 |
| Memoranda: | ||
| Average total assets | $322,500,500 | 2,383 |
| Average earning assets | $303,060,000 | 2,374 |
| Average equity | $21,485,000 | 3,021 |
| Average total loans | $213,201,500 | 2,150 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 1,045 |
| Cost of funding earning assets | 0.1681% | 3,792 |
| Net interest margin | 4.0032% | 708 |
| Noninterest income to average assets | 0.4498% | 2,819 |
| Noninterest expense to average assets | 3.0829% | 865 |
| Loan and lease loss provision to assets | 0.0390% | 2,266 |
| Net operating income to assets | 1.0487% | 2,484 |
| Return on assets (ROA) | 1.0487% | 2,562 |
| Pretax return on assets | 1.0643% | 3,092 |
| Return on Equity (ROE) | 14.0843% | 1,163 |
| Retained earnings to average equity (ytd only) | 5.8623% | 2,417 |
| Net charge-offs to loans | -0.0157% | 3,891 |
| Credit loss provision to net charge-offs | -342.8571% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6442% | 1,346 |
| Assets per employee ($millions) | 6.4495% | 2,370 |
| Cash dividends to net income (ytd only)* | 58.3772% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,319 |
| Loan loss allowance to noncurrent loans | 217.5644% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 1,637 |
| Noncurrent loans to loans | 0.6012% | 1,630 |
| Net loans and leases to total assets | 65.2113% | 1,561 |
| Net loans and leases to deposits | 70.8997% | 2,032 |
| Net loans and leases to core deposits | 73.0222% | 2,160 |
| Total domestic deposits to total assets | 91.9767% | 185 |
| Equity capital to assets | 7.1447% | 4,690 |
| Core capital (leverage) ratio | 7.0948% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9863% | 2,895 |
| Memoranda: | ||
| Average total assets | $307,890,600 | 2,400 |
| Average earning assets | $287,368,800 | 2,394 |
| Average equity | $22,926,200 | 2,991 |
| Average total loans | $223,326,800 | 2,086 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 1,112 |
| Cost of funding earning assets | 0.1768% | 3,851 |
| Net interest margin | 4.0218% | 766 |
| Noninterest income to average assets | 0.4737% | 2,738 |
| Noninterest expense to average assets | 3.0107% | 951 |
| Loan and lease loss provision to assets | 0.0526% | 1,937 |
| Net operating income to assets | 1.1438% | 2,392 |
| Return on assets (ROA) | 1.1442% | 2,452 |
| Pretax return on assets | 1.1596% | 3,046 |
| Return on Equity (ROE) | 15.2034% | 1,108 |
| Retained earnings to average equity (ytd only) | 7.4299% | 2,261 |
| Net charge-offs to loans | -0.0030% | 3,296 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3025% | 1,459 |
| Assets per employee ($millions) | 6.3211% | 2,399 |
| Cash dividends to net income (ytd only)* | 51.1298% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,696 |
| Loan loss allowance to noncurrent loans | 223.0583% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 1,884 |
| Noncurrent loans to loans | 0.5635% | 1,905 |
| Net loans and leases to total assets | 68.5240% | 1,254 |
| Net loans and leases to deposits | 74.8392% | 1,774 |
| Net loans and leases to core deposits | 76.8577% | 1,972 |
| Total domestic deposits to total assets | 91.5615% | 224 |
| Equity capital to assets | 7.4111% | 4,729 |
| Core capital (leverage) ratio | 7.2210% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0882% | 2,949 |
| Memoranda: | ||
| Average total assets | $304,244,500 | 2,444 |
| Average earning assets | $283,581,750 | 2,436 |
| Average equity | $22,897,750 | 3,031 |
| Average total loans | $225,889,250 | 2,105 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 1,125 |
| Cost of funding earning assets | 0.1852% | 3,897 |
| Net interest margin | 4.0457% | 759 |
| Noninterest income to average assets | 0.4702% | 2,752 |
| Noninterest expense to average assets | 3.0249% | 943 |
| Loan and lease loss provision to assets | 0.0799% | 1,518 |
| Net operating income to assets | 1.1182% | 2,477 |
| Return on assets (ROA) | 1.1189% | 2,541 |
| Pretax return on assets | 1.1342% | 3,101 |
| Return on Equity (ROE) | 14.7870% | 1,215 |
| Retained earnings to average equity (ytd only) | 7.3055% | 2,319 |
| Net charge-offs to loans | -0.0026% | 3,256 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3702% | 1,490 |
| Assets per employee ($millions) | 6.3471% | 2,289 |
| Cash dividends to net income (ytd only)* | 50.5952% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,771 |
| Loan loss allowance to noncurrent loans | 222.8964% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,051 |
| Noncurrent loans to loans | 0.5522% | 2,017 |
| Net loans and leases to total assets | 69.6651% | 1,240 |
| Net loans and leases to deposits | 75.9085% | 1,833 |
| Net loans and leases to core deposits | 77.6644% | 2,077 |
| Total domestic deposits to total assets | 91.7751% | 171 |
| Equity capital to assets | 7.2673% | 4,791 |
| Core capital (leverage) ratio | 7.1543% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4610% | 2,870 |
| Memoranda: | ||
| Average total assets | $300,308,333 | 2,457 |
| Average earning assets | $279,703,000 | 2,450 |
| Average equity | $22,722,667 | 3,038 |
| Average total loans | $228,076,000 | 2,105 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 807 |
| Cost of funding earning assets | 0.1912% | 3,999 |
| Net interest margin | 4.2845% | 529 |
| Noninterest income to average assets | 0.5895% | 2,252 |
| Noninterest expense to average assets | 3.0941% | 846 |
| Loan and lease loss provision to assets | 0.1645% | 766 |
| Net operating income to assets | 1.3106% | 1,792 |
| Return on assets (ROA) | 1.3106% | 1,875 |
| Pretax return on assets | 1.3243% | 2,502 |
| Return on Equity (ROE) | 16.9560% | 858 |
| Retained earnings to average equity (ytd only) | 9.8614% | 1,695 |
| Net charge-offs to loans | -0.0035% | 3,262 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5142% | 2,008 |
| Assets per employee ($millions) | 6.1849% | 2,423 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,032 |
| Loan loss allowance to noncurrent loans | 168.2346% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 1,757 |
| Noncurrent loans to loans | 0.7016% | 1,834 |
| Net loans and leases to total assets | 76.0815% | 624 |
| Net loans and leases to deposits | 83.0357% | 1,246 |
| Net loans and leases to core deposits | 84.9690% | 1,592 |
| Total domestic deposits to total assets | 91.6250% | 214 |
| Equity capital to assets | 7.4996% | 4,709 |
| Core capital (leverage) ratio | 7.5965% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1431% | 2,900 |
| Memoranda: | ||
| Average total assets | $291,785,500 | 2,475 |
| Average earning assets | $271,956,500 | 2,480 |
| Average equity | $22,552,500 | 3,035 |
| Average total loans | $230,194,000 | 2,093 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 1,354 |
| Cost of funding earning assets | 0.2994% | 4,148 |
| Net interest margin | 4.1843% | 659 |
| Noninterest income to average assets | 0.5781% | 2,313 |
| Noninterest expense to average assets | 3.3812% | 808 |
| Loan and lease loss provision to assets | 0.0633% | 3,587 |
| Net operating income to assets | 1.0025% | 2,284 |
| Return on assets (ROA) | 1.0143% | 2,386 |
| Pretax return on assets | 1.0289% | 2,943 |
| Return on Equity (ROE) | 12.6062% | 1,150 |
| Retained earnings to average equity (ytd only) | 3.9259% | 2,861 |
| Net charge-offs to loans | -0.0669% | 4,730 |
| Credit loss provision to net charge-offs | -121.4286% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7869% | 1,258 |
| Assets per employee ($millions) | 5.5003% | 2,845 |
| Cash dividends to net income (ytd only)* | 68.8579% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,169 |
| Loan loss allowance to noncurrent loans | 154.5508% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 1,739 |
| Noncurrent loans to loans | 0.7500% | 1,826 |
| Net loans and leases to total assets | 80.0073% | 428 |
| Net loans and leases to deposits | 87.8310% | 1,106 |
| Net loans and leases to core deposits | 90.0523% | 1,521 |
| Total domestic deposits to total assets | 91.0924% | 206 |
| Equity capital to assets | 7.9772% | 4,718 |
| Core capital (leverage) ratio | 7.5267% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7130% | 2,990 |
| Memoranda: | ||
| Average total assets | $268,453,800 | 2,472 |
| Average earning assets | $249,144,000 | 2,472 |
| Average equity | $21,600,400 | 3,049 |
| Average total loans | $209,143,200 | 2,166 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,514 |
| Cost of funding earning assets | 0.3204% | 4,213 |
| Net interest margin | 4.2038% | 727 |
| Noninterest income to average assets | 0.5987% | 2,184 |
| Noninterest expense to average assets | 3.3900% | 808 |
| Loan and lease loss provision to assets | 0.0301% | 3,955 |
| Net operating income to assets | 1.0500% | 2,145 |
| Return on assets (ROA) | 1.0644% | 2,228 |
| Pretax return on assets | 1.0744% | 2,832 |
| Return on Equity (ROE) | 13.1983% | 1,054 |
| Retained earnings to average equity (ytd only) | 4.6340% | 2,726 |
| Net charge-offs to loans | -0.0873% | 4,801 |
| Credit loss provision to net charge-offs | -44.7761% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6699% | 1,234 |
| Assets per employee ($millions) | 5.4782% | 2,731 |
| Cash dividends to net income (ytd only)* | 64.8891% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,885 |
| Loan loss allowance to noncurrent loans | 129.5572% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 1,723 |
| Noncurrent loans to loans | 0.8957% | 1,671 |
| Net loans and leases to total assets | 73.8053% | 1,398 |
| Net loans and leases to deposits | 82.0748% | 2,096 |
| Net loans and leases to core deposits | 84.5272% | 2,426 |
| Total domestic deposits to total assets | 89.9244% | 455 |
| Equity capital to assets | 7.6564% | 4,822 |
| Core capital (leverage) ratio | 7.5444% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1359% | 2,888 |
| Memoranda: | ||
| Average total assets | $265,439,000 | 2,467 |
| Average earning assets | $245,074,750 | 2,484 |
| Average equity | $21,406,250 | 3,061 |
| Average total loans | $204,663,250 | 2,199 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,695 |
| Cost of funding earning assets | 0.3566% | 4,240 |
| Net interest margin | 4.2239% | 875 |
| Noninterest income to average assets | 0.5795% | 2,212 |
| Noninterest expense to average assets | 3.5102% | 741 |
| Loan and lease loss provision to assets | 0.0233% | 3,955 |
| Net operating income to assets | 0.9334% | 2,563 |
| Return on assets (ROA) | 0.9334% | 2,698 |
| Pretax return on assets | 0.9427% | 3,201 |
| Return on Equity (ROE) | 11.3574% | 1,527 |
| Retained earnings to average equity (ytd only) | 2.6027% | 3,550 |
| Net charge-offs to loans | -0.0628% | 4,740 |
| Credit loss provision to net charge-offs | -47.6190% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4188% | 1,014 |
| Assets per employee ($millions) | 5.5303% | 2,609 |
| Cash dividends to net income (ytd only)* | 77.0833% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 2,891 |
| Loan loss allowance to noncurrent loans | 84.1463% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 1,180 |
| Noncurrent loans to loans | 1.3397% | 1,146 |
| Net loans and leases to total assets | 75.0984% | 1,263 |
| Net loans and leases to deposits | 83.5521% | 2,039 |
| Net loans and leases to core deposits | 86.1140% | 2,425 |
| Total domestic deposits to total assets | 89.8821% | 432 |
| Equity capital to assets | 7.7243% | 4,823 |
| Core capital (leverage) ratio | 7.8196% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7720% | 3,027 |
| Memoranda: | ||
| Average total assets | $257,137,000 | 2,495 |
| Average earning assets | $237,220,667 | 2,509 |
| Average equity | $21,131,667 | 3,071 |
| Average total loans | $200,615,667 | 2,215 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 1,179 |
| Cost of funding earning assets | 0.4200% | 4,286 |
| Net interest margin | 4.4866% | 517 |
| Noninterest income to average assets | 0.5362% | 2,356 |
| Noninterest expense to average assets | 3.7273% | 686 |
| Loan and lease loss provision to assets | 0.0163% | 3,592 |
| Net operating income to assets | 0.9776% | 2,257 |
| Return on assets (ROA) | 0.9776% | 2,358 |
| Pretax return on assets | 0.9841% | 2,890 |
| Return on Equity (ROE) | 11.4975% | 1,262 |
| Retained earnings to average equity (ytd only) | 1.8842% | 3,483 |
| Net charge-offs to loans | -0.1259% | 4,865 |
| Credit loss provision to net charge-offs | -16.3934% | 3,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8382% | 1,255 |
| Assets per employee ($millions) | 4.7511% | 2,930 |
| Cash dividends to net income (ytd only)* | 83.6120% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,523 |
| Loan loss allowance to noncurrent loans | 111.1472% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 1,527 |
| Noncurrent loans to loans | 1.1041% | 1,503 |
| Net loans and leases to total assets | 77.9587% | 990 |
| Net loans and leases to deposits | 85.9337% | 2,009 |
| Net loans and leases to core deposits | 89.0197% | 2,442 |
| Total domestic deposits to total assets | 90.7196% | 145 |
| Equity capital to assets | 8.3280% | 4,885 |
| Core capital (leverage) ratio | 8.5607% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8314% | 3,148 |
| Memoranda: | ||
| Average total assets | $244,682,500 | 2,527 |
| Average earning assets | $228,592,500 | 2,507 |
| Average equity | $20,804,500 | 3,091 |
| Average total loans | $193,810,000 | 2,233 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 1,181 |
| Cost of funding earning assets | 0.4401% | 4,308 |
| Net interest margin | 4.6767% | 500 |
| Noninterest income to average assets | 0.4188% | 3,180 |
| Noninterest expense to average assets | 3.6054% | 849 |
| Loan and lease loss provision to assets | 0.0283% | 3,450 |
| Net operating income to assets | 1.1171% | 2,376 |
| Return on assets (ROA) | 1.1118% | 2,488 |
| Pretax return on assets | 1.1368% | 3,049 |
| Return on Equity (ROE) | 12.8970% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.5040% | 3,780 |
| Net charge-offs to loans | -0.0370% | 4,759 |
| Credit loss provision to net charge-offs | -95.7746% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4908% | 1,425 |
| Assets per employee ($millions) | 4.5718% | 3,120 |
| Cash dividends to net income (ytd only)* | 80.5847% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,407 |
| Loan loss allowance to noncurrent loans | 211.2830% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,586 |
| Noncurrent loans to loans | 0.5705% | 2,477 |
| Net loans and leases to total assets | 78.5375% | 998 |
| Net loans and leases to deposits | 86.8693% | 1,984 |
| Net loans and leases to core deposits | 90.5717% | 2,368 |
| Total domestic deposits to total assets | 90.4088% | 214 |
| Equity capital to assets | 8.6808% | 4,836 |
| Core capital (leverage) ratio | 8.5512% | 4,816 |
| Tier 1 risk-based capital ratio | 11.0822% | 4,826 |
| Total risk-based capital ratio | 12.3237% | 4,724 |
| Memoranda: | ||
| Average total assets | $239,973,800 | 2,524 |
| Average earning assets | $223,577,200 | 2,507 |
| Average equity | $20,687,000 | 3,068 |
| Average total loans | $191,842,400 | 2,222 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 1,177 |
| Cost of funding earning assets | 0.4379% | 4,373 |
| Net interest margin | 4.7022% | 497 |
| Noninterest income to average assets | 0.4116% | 3,250 |
| Noninterest expense to average assets | 3.5606% | 889 |
| Loan and lease loss provision to assets | 0.0379% | 3,139 |
| Net operating income to assets | 1.1728% | 2,294 |
| Return on assets (ROA) | 1.1657% | 2,404 |
| Pretax return on assets | 1.1897% | 3,011 |
| Return on Equity (ROE) | 13.5464% | 1,098 |
| Retained earnings to average equity (ytd only) | 3.0290% | 3,876 |
| Net charge-offs to loans | -0.0383% | 4,776 |
| Credit loss provision to net charge-offs | -123.6364% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2509% | 1,529 |
| Assets per employee ($millions) | 4.7507% | 2,852 |
| Cash dividends to net income (ytd only)* | 77.6396% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,495 |
| Loan loss allowance to noncurrent loans | 147.6312% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,043 |
| Noncurrent loans to loans | 0.8137% | 1,937 |
| Net loans and leases to total assets | 79.8388% | 866 |
| Net loans and leases to deposits | 88.6324% | 1,851 |
| Net loans and leases to core deposits | 91.8031% | 2,387 |
| Total domestic deposits to total assets | 90.0785% | 269 |
| Equity capital to assets | 8.8349% | 4,858 |
| Core capital (leverage) ratio | 8.6370% | 4,867 |
| Tier 1 risk-based capital ratio | 11.0496% | 4,890 |
| Total risk-based capital ratio | 12.2818% | 4,783 |
| Memoranda: | ||
| Average total assets | $239,390,750 | 2,547 |
| Average earning assets | $223,181,500 | 2,533 |
| Average equity | $20,600,250 | 3,098 |
| Average total loans | $191,647,250 | 2,243 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 1,106 |
| Cost of funding earning assets | 0.4335% | 4,381 |
| Net interest margin | 4.7170% | 477 |
| Noninterest income to average assets | 0.3833% | 3,380 |
| Noninterest expense to average assets | 3.5824% | 866 |
| Loan and lease loss provision to assets | 0.0375% | 3,065 |
| Net operating income to assets | 1.1297% | 2,404 |
| Return on assets (ROA) | 1.1191% | 2,522 |
| Pretax return on assets | 1.1416% | 3,109 |
| Return on Equity (ROE) | 13.1206% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.6183% | 3,887 |
| Net charge-offs to loans | -0.0084% | 4,266 |
| Credit loss provision to net charge-offs | -562.5000% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0655% | 1,509 |
| Assets per employee ($millions) | 4.7745% | 2,776 |
| Cash dividends to net income (ytd only)* | 80.0447% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,678 |
| Loan loss allowance to noncurrent loans | 290.7672% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,274 |
| Noncurrent loans to loans | 0.4016% | 3,091 |
| Net loans and leases to total assets | 77.7114% | 1,273 |
| Net loans and leases to deposits | 85.8901% | 2,267 |
| Net loans and leases to core deposits | 88.7544% | 2,725 |
| Total domestic deposits to total assets | 90.4777% | 195 |
| Equity capital to assets | 8.5203% | 5,034 |
| Core capital (leverage) ratio | 8.4087% | 5,006 |
| Tier 1 risk-based capital ratio | 10.9713% | 4,920 |
| Total risk-based capital ratio | 12.1693% | 4,860 |
| Memoranda: | ||
| Average total assets | $240,009,330 | 2,554 |
| Average earning assets | $223,319,670 | 2,545 |
| Average equity | $20,471,670 | 3,106 |
| Average total loans | $191,546,000 | 2,251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 1,116 |
| Cost of funding earning assets | 0.3991% | 4,487 |
| Net interest margin | 4.6902% | 509 |
| Noninterest income to average assets | 0.3660% | 3,404 |
| Noninterest expense to average assets | 3.6027% | 847 |
| Loan and lease loss provision to assets | 0.0386% | 2,855 |
| Net operating income to assets | 1.0862% | 2,523 |
| Return on assets (ROA) | 1.0862% | 2,566 |
| Pretax return on assets | 1.1047% | 3,134 |
| Return on Equity (ROE) | 12.7275% | 1,313 |
| Retained earnings to average equity (ytd only) | 1.4163% | 4,217 |
| Net charge-offs to loans | 0.0146% | 2,185 |
| Credit loss provision to net charge-offs | 328.5714% | 778 |
| Earnings coverage of net charge-offs (x) | 97.2857% | 679 |
| Efficiency ratio | 75.9109% | 1,508 |
| Assets per employee ($millions) | 5.0111% | 2,502 |
| Cash dividends to net income (ytd only)* | 88.8717% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,847 |
| Loan loss allowance to noncurrent loans | 284.8446% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 3,338 |
| Noncurrent loans to loans | 0.4039% | 3,139 |
| Net loans and leases to total assets | 76.9384% | 1,327 |
| Net loans and leases to deposits | 84.7149% | 2,296 |
| Net loans and leases to core deposits | 87.4980% | 2,742 |
| Total domestic deposits to total assets | 90.8203% | 203 |
| Equity capital to assets | 8.3297% | 5,072 |
| Core capital (leverage) ratio | 8.6119% | 4,938 |
| Tier 1 risk-based capital ratio | 10.7892% | 5,072 |
| Total risk-based capital ratio | 11.9590% | 5,003 |
| Memoranda: | ||
| Average total assets | $238,263,500 | 2,592 |
| Average earning assets | $222,508,000 | 2,570 |
| Average equity | $20,334,000 | 3,123 |
| Average total loans | $191,587,000 | 2,273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 1,077 |
| Cost of funding earning assets | 0.2704% | 4,705 |
| Net interest margin | 4.7148% | 471 |
| Noninterest income to average assets | 0.3996% | 3,446 |
| Noninterest expense to average assets | 3.5260% | 966 |
| Loan and lease loss provision to assets | 0.0766% | 2,598 |
| Net operating income to assets | 1.2027% | 2,161 |
| Return on assets (ROA) | 1.2027% | 2,152 |
| Pretax return on assets | 1.2202% | 2,809 |
| Return on Equity (ROE) | 14.3099% | 977 |
| Retained earnings to average equity (ytd only) | 4.4358% | 3,091 |
| Net charge-offs to loans | 0.0064% | 3,466 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 253.9167% | 377 |
| Efficiency ratio | 73.1115% | 1,746 |
| Assets per employee ($millions) | 4.6197% | 2,994 |
| Cash dividends to net income (ytd only)* | 69.0021% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,894 |
| Loan loss allowance to noncurrent loans | 313.1994% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,367 |
| Noncurrent loans to loans | 0.3629% | 3,236 |
| Net loans and leases to total assets | 82.2027% | 623 |
| Net loans and leases to deposits | 91.0161% | 1,667 |
| Net loans and leases to core deposits | 94.1215% | 2,218 |
| Total domestic deposits to total assets | 90.3167% | 373 |
| Equity capital to assets | 8.7517% | 4,765 |
| Core capital (leverage) ratio | 8.6561% | 4,914 |
| Tier 1 risk-based capital ratio | 10.6520% | 5,125 |
| Total risk-based capital ratio | 11.8026% | 5,055 |
| Memoranda: | ||
| Average total assets | $234,966,400 | 2,576 |
| Average earning assets | $220,434,400 | 2,561 |
| Average equity | $19,748,600 | 3,107 |
| Average total loans | $187,578,800 | 2,274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 1,138 |
| Cost of funding earning assets | 0.2569% | 4,751 |
| Net interest margin | 4.6517% | 525 |
| Noninterest income to average assets | 0.3989% | 3,490 |
| Noninterest expense to average assets | 3.5123% | 970 |
| Loan and lease loss provision to assets | 0.0763% | 2,439 |
| Net operating income to assets | 1.1544% | 2,423 |
| Return on assets (ROA) | 1.1544% | 2,430 |
| Pretax return on assets | 1.1697% | 3,126 |
| Return on Equity (ROE) | 13.8749% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.1971% | 3,677 |
| Net charge-offs to loans | 0.0200% | 2,739 |
| Credit loss provision to net charge-offs | 482.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 78.7552% | 888 |
| Efficiency ratio | 73.8155% | 1,625 |
| Assets per employee ($millions) | 4.4948% | 3,136 |
| Cash dividends to net income (ytd only)* | 69.7503% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,091 |
| Loan loss allowance to noncurrent loans | 149.6474% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,363 |
| Noncurrent loans to loans | 0.7467% | 2,223 |
| Net loans and leases to total assets | 80.3440% | 963 |
| Net loans and leases to deposits | 88.7744% | 2,053 |
| Net loans and leases to core deposits | 91.2039% | 2,545 |
| Total domestic deposits to total assets | 90.5036% | 343 |
| Equity capital to assets | 8.4940% | 4,923 |
| Core capital (leverage) ratio | 8.5002% | 5,097 |
| Tier 1 risk-based capital ratio | 10.5433% | 5,227 |
| Total risk-based capital ratio | 11.6647% | 5,184 |
| Memoranda: | ||
| Average total assets | $235,961,750 | 2,582 |
| Average earning assets | $221,133,000 | 2,567 |
| Average equity | $19,632,000 | 3,141 |
| Average total loans | $186,458,750 | 2,292 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,256 |
| Cost of funding earning assets | 0.2307% | 4,848 |
| Net interest margin | 4.5679% | 596 |
| Noninterest income to average assets | 0.3929% | 3,536 |
| Noninterest expense to average assets | 3.4963% | 999 |
| Loan and lease loss provision to assets | 0.0760% | 2,377 |
| Net operating income to assets | 1.0883% | 2,621 |
| Return on assets (ROA) | 1.0883% | 2,630 |
| Pretax return on assets | 1.1035% | 3,305 |
| Return on Equity (ROE) | 13.1709% | 1,312 |
| Retained earnings to average equity (ytd only) | 4.4789% | 3,357 |
| Net charge-offs to loans | -0.0270% | 4,708 |
| Credit loss provision to net charge-offs | -360.0000% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7741% | 1,599 |
| Assets per employee ($millions) | 4.6337% | 2,917 |
| Cash dividends to net income (ytd only)* | 65.9938% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,024 |
| Loan loss allowance to noncurrent loans | 158.9552% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 2,528 |
| Noncurrent loans to loans | 0.7185% | 2,316 |
| Net loans and leases to total assets | 78.0181% | 1,310 |
| Net loans and leases to deposits | 85.9915% | 2,312 |
| Net loans and leases to core deposits | 88.4808% | 2,680 |
| Total domestic deposits to total assets | 90.7277% | 318 |
| Equity capital to assets | 8.3498% | 5,047 |
| Core capital (leverage) ratio | 8.4284% | 5,158 |
| Tier 1 risk-based capital ratio | 10.6704% | 5,202 |
| Total risk-based capital ratio | 11.8199% | 5,142 |
| Memoranda: | ||
| Average total assets | $236,705,670 | 2,591 |
| Average earning assets | $221,938,000 | 2,573 |
| Average equity | $19,558,330 | 3,168 |
| Average total loans | $185,308,330 | 2,307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,820 |
| Cost of funding earning assets | 0.2073% | 4,972 |
| Net interest margin | 4.3075% | 940 |
| Noninterest income to average assets | 0.4525% | 3,094 |
| Noninterest expense to average assets | 3.5323% | 944 |
| Loan and lease loss provision to assets | 0.0760% | 2,243 |
| Net operating income to assets | 0.8645% | 3,434 |
| Return on assets (ROA) | 0.8645% | 3,450 |
| Pretax return on assets | 0.8797% | 3,909 |
| Return on Equity (ROE) | 10.5179% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.3551% | 3,442 |
| Net charge-offs to loans | -0.0108% | 4,277 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7058% | 1,295 |
| Assets per employee ($millions) | 4.5899% | 3,012 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,229 |
| Loan loss allowance to noncurrent loans | 65.6598% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 1,032 |
| Noncurrent loans to loans | 1.7129% | 997 |
| Net loans and leases to total assets | 77.5528% | 1,304 |
| Net loans and leases to deposits | 85.3589% | 2,252 |
| Net loans and leases to core deposits | 88.0692% | 2,627 |
| Total domestic deposits to total assets | 90.8550% | 367 |
| Equity capital to assets | 8.3385% | 5,084 |
| Core capital (leverage) ratio | 8.4153% | 5,190 |
| Tier 1 risk-based capital ratio | 10.7955% | 5,253 |
| Total risk-based capital ratio | 11.9360% | 5,180 |
| Memoranda: | ||
| Average total assets | $236,900,000 | 2,614 |
| Average earning assets | $221,941,000 | 2,596 |
| Average equity | $19,471,500 | 3,206 |
| Average total loans | $184,712,500 | 2,326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 1,656 |
| Cost of funding earning assets | 0.2175% | 4,808 |
| Net interest margin | 4.3005% | 960 |
| Noninterest income to average assets | 0.4239% | 3,482 |
| Noninterest expense to average assets | 3.4533% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9796% | 2,331 |
| Return on assets (ROA) | 0.9796% | 2,369 |
| Pretax return on assets | 0.9994% | 3,573 |
| Return on Equity (ROE) | 11.9543% | 1,226 |
| Retained earnings to average equity (ytd only) | 0.3699% | 4,878 |
| Net charge-offs to loans | 0.1844% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.1078% | 3,088 |
| Efficiency ratio | 77.5551% | 1,418 |
| Assets per employee ($millions) | 4.7943% | 2,742 |
| Cash dividends to net income (ytd only)* | 96.9059% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,428 |
| Loan loss allowance to noncurrent loans | 155.8391% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 2,126 |
| Noncurrent loans to loans | 0.6958% | 2,469 |
| Net loans and leases to total assets | 76.6767% | 1,484 |
| Net loans and leases to deposits | 84.1422% | 2,478 |
| Net loans and leases to core deposits | 86.7354% | 2,852 |
| Total domestic deposits to total assets | 91.1275% | 211 |
| Equity capital to assets | 8.1029% | 5,347 |
| Core capital (leverage) ratio | 8.1614% | 5,370 |
| Tier 1 risk-based capital ratio | 10.5692% | 5,342 |
| Total risk-based capital ratio | 11.6707% | 5,309 |
| Memoranda: | ||
| Average total assets | $237,543,800 | 2,580 |
| Average earning assets | $222,533,200 | 2,564 |
| Average equity | $19,465,800 | 3,203 |
| Average total loans | $181,086,200 | 2,319 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 1,667 |
| Cost of funding earning assets | 0.2183% | 4,828 |
| Net interest margin | 4.2737% | 988 |
| Noninterest income to average assets | 0.4309% | 3,470 |
| Noninterest expense to average assets | 3.4379% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9716% | 2,682 |
| Return on assets (ROA) | 0.9716% | 2,737 |
| Pretax return on assets | 0.9918% | 3,715 |
| Return on Equity (ROE) | 11.8227% | 1,388 |
| Retained earnings to average equity (ytd only) | -0.0205% | 5,209 |
| Net charge-offs to loans | 0.0408% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 32.0552% | 1,491 |
| Efficiency ratio | 77.6099% | 1,382 |
| Assets per employee ($millions) | 4.5503% | 3,050 |
| Cash dividends to net income (ytd only)* | 100.1737% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,663 |
| Loan loss allowance to noncurrent loans | 121.5042% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 1,644 |
| Noncurrent loans to loans | 1.0260% | 1,892 |
| Net loans and leases to total assets | 78.3094% | 1,225 |
| Net loans and leases to deposits | 86.3578% | 2,255 |
| Net loans and leases to core deposits | 89.0160% | 2,689 |
| Total domestic deposits to total assets | 90.6802% | 264 |
| Equity capital to assets | 8.4024% | 5,341 |
| Core capital (leverage) ratio | 8.2593% | 5,391 |
| Tier 1 risk-based capital ratio | 10.5918% | 5,422 |
| Total risk-based capital ratio | 11.8418% | 5,354 |
| Memoranda: | ||
| Average total assets | $237,000,500 | 2,606 |
| Average earning assets | $221,752,500 | 2,590 |
| Average equity | $19,476,250 | 3,223 |
| Average total loans | $179,902,250 | 2,339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 1,799 |
| Cost of funding earning assets | 0.2153% | 4,843 |
| Net interest margin | 4.1899% | 1,095 |
| Noninterest income to average assets | 0.4324% | 3,472 |
| Noninterest expense to average assets | 3.4050% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9202% | 2,805 |
| Return on assets (ROA) | 0.9202% | 2,863 |
| Pretax return on assets | 0.9420% | 3,790 |
| Return on Equity (ROE) | 11.2797% | 1,539 |
| Retained earnings to average equity (ytd only) | -0.0205% | 5,080 |
| Net charge-offs to loans | 0.0683% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.4262% | 1,878 |
| Efficiency ratio | 78.3304% | 1,415 |
| Assets per employee ($millions) | 4.6554% | 2,855 |
| Cash dividends to net income (ytd only)* | 100.1821% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,665 |
| Loan loss allowance to noncurrent loans | 102.4172% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,723 |
| Noncurrent loans to loans | 1.2244% | 1,591 |
| Net loans and leases to total assets | 75.8852% | 1,559 |
| Net loans and leases to deposits | 83.4514% | 2,550 |
| Net loans and leases to core deposits | 85.9474% | 2,885 |
| Total domestic deposits to total assets | 90.9335% | 238 |
| Equity capital to assets | 8.2389% | 5,427 |
| Core capital (leverage) ratio | 8.1528% | 5,457 |
| Tier 1 risk-based capital ratio | 10.6727% | 5,392 |
| Total risk-based capital ratio | 11.9229% | 5,325 |
| Memoranda: | ||
| Average total assets | $238,646,000 | 2,603 |
| Average earning assets | $222,964,670 | 2,594 |
| Average equity | $19,468,670 | 3,221 |
| Average total loans | $178,529,000 | 2,355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 1,835 |
| Cost of funding earning assets | 0.2114% | 4,871 |
| Net interest margin | 4.1334% | 1,138 |
| Noninterest income to average assets | 0.4447% | 3,339 |
| Noninterest expense to average assets | 3.4373% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8376% | 3,049 |
| Return on assets (ROA) | 0.8376% | 3,096 |
| Pretax return on assets | 0.8643% | 3,883 |
| Return on Equity (ROE) | 10.3179% | 1,816 |
| Retained earnings to average equity (ytd only) | 0.0206% | 4,909 |
| Net charge-offs to loans | 0.0589% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.8846% | 1,506 |
| Efficiency ratio | 79.9067% | 1,398 |
| Assets per employee ($millions) | 4.6676% | 2,891 |
| Cash dividends to net income (ytd only)* | 99.8004% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,426 |
| Loan loss allowance to noncurrent loans | 88.3606% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1779% | 1,493 |
| Noncurrent loans to loans | 1.4974% | 1,336 |
| Net loans and leases to total assets | 72.7809% | 1,947 |
| Net loans and leases to deposits | 79.8694% | 2,770 |
| Net loans and leases to core deposits | 82.2433% | 3,071 |
| Total domestic deposits to total assets | 91.1248% | 267 |
| Equity capital to assets | 8.1791% | 5,430 |
| Core capital (leverage) ratio | 8.1797% | 5,466 |
| Tier 1 risk-based capital ratio | 10.9840% | 5,320 |
| Total risk-based capital ratio | 12.2344% | 5,233 |
| Memoranda: | ||
| Average total assets | $239,257,500 | 2,622 |
| Average earning assets | $223,256,000 | 2,616 |
| Average equity | $19,422,500 | 3,234 |
| Average total loans | $176,565,000 | 2,390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 1,139 |
| Cost of funding earning assets | 0.2480% | 4,584 |
| Net interest margin | 4.4138% | 755 |
| Noninterest income to average assets | 0.4851% | 3,323 |
| Noninterest expense to average assets | 3.5139% | 1,140 |
| Loan and lease loss provision to assets | 0.0236% | 3,891 |
| Net operating income to assets | 1.0247% | 2,241 |
| Return on assets (ROA) | 1.0247% | 2,346 |
| Pretax return on assets | 1.0420% | 3,319 |
| Return on Equity (ROE) | 12.6275% | 1,084 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,144 |
| Net charge-offs to loans | -0.0241% | 5,175 |
| Credit loss provision to net charge-offs | -130.2326% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7309% | 1,891 |
| Assets per employee ($millions) | 4.8094% | 2,634 |
| Cash dividends to net income (ytd only)* | 69.0152% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,414 |
| Loan loss allowance to noncurrent loans | 111.5914% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 2,004 |
| Noncurrent loans to loans | 1.1855% | 1,730 |
| Net loans and leases to total assets | 72.8601% | 2,030 |
| Net loans and leases to deposits | 79.9184% | 2,899 |
| Net loans and leases to core deposits | 82.2625% | 3,193 |
| Total domestic deposits to total assets | 91.1681% | 232 |
| Equity capital to assets | 8.0572% | 5,534 |
| Core capital (leverage) ratio | 8.0768% | 5,578 |
| Tier 1 risk-based capital ratio | 10.8688% | 5,407 |
| Total risk-based capital ratio | 12.1198% | 5,299 |
| Memoranda: | ||
| Average total assets | $236,857,800 | 2,607 |
| Average earning assets | $219,721,000 | 2,604 |
| Average equity | $19,220,000 | 3,247 |
| Average total loans | $178,507,200 | 2,328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,005 |
| Cost of funding earning assets | 0.2590% | 4,521 |
| Net interest margin | 4.4735% | 670 |
| Noninterest income to average assets | 0.4797% | 3,380 |
| Noninterest expense to average assets | 3.5384% | 1,081 |
| Loan and lease loss provision to assets | 0.0316% | 3,594 |
| Net operating income to assets | 1.0301% | 2,293 |
| Return on assets (ROA) | 1.0301% | 2,421 |
| Pretax return on assets | 1.0482% | 3,435 |
| Return on Equity (ROE) | 12.6718% | 1,130 |
| Retained earnings to average equity (ytd only) | 4.5043% | 3,132 |
| Net charge-offs to loans | -0.0291% | 5,153 |
| Credit loss provision to net charge-offs | -143.5897% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6181% | 1,893 |
| Assets per employee ($millions) | 4.4517% | 3,159 |
| Cash dividends to net income (ytd only)* | 64.4542% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,664 |
| Loan loss allowance to noncurrent loans | 92.9449% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 1,763 |
| Noncurrent loans to loans | 1.4033% | 1,569 |
| Net loans and leases to total assets | 75.2078% | 1,668 |
| Net loans and leases to deposits | 82.8127% | 2,633 |
| Net loans and leases to core deposits | 85.1934% | 3,018 |
| Total domestic deposits to total assets | 90.8168% | 233 |
| Equity capital to assets | 8.2902% | 5,626 |
| Core capital (leverage) ratio | 8.0547% | 5,659 |
| Tier 1 risk-based capital ratio | 10.7783% | 5,486 |
| Total risk-based capital ratio | 12.0290% | 5,393 |
| Memoranda: | ||
| Average total assets | $235,955,000 | 2,621 |
| Average earning assets | $218,289,000 | 2,624 |
| Average equity | $19,181,250 | 3,271 |
| Average total loans | $178,745,250 | 2,324 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 1,262 |
| Cost of funding earning assets | 0.2690% | 4,451 |
| Net interest margin | 4.3321% | 871 |
| Noninterest income to average assets | 0.4543% | 3,493 |
| Noninterest expense to average assets | 3.5396% | 1,103 |
| Loan and lease loss provision to assets | 0.0348% | 3,456 |
| Net operating income to assets | 0.8603% | 3,048 |
| Return on assets (ROA) | 0.8603% | 3,172 |
| Pretax return on assets | 0.8798% | 4,026 |
| Return on Equity (ROE) | 10.6534% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.5686% | 3,620 |
| Net charge-offs to loans | -0.0291% | 5,110 |
| Credit loss provision to net charge-offs | -157.6923% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4672% | 1,570 |
| Assets per employee ($millions) | 4.4071% | 3,206 |
| Cash dividends to net income (ytd only)* | 66.5025% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,793 |
| Loan loss allowance to noncurrent loans | 75.8677% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 1,282 |
| Noncurrent loans to loans | 1.7120% | 1,236 |
| Net loans and leases to total assets | 73.9853% | 1,844 |
| Net loans and leases to deposits | 81.2005% | 2,790 |
| Net loans and leases to core deposits | 83.5010% | 3,129 |
| Total domestic deposits to total assets | 91.1144% | 174 |
| Equity capital to assets | 8.1074% | 5,769 |
| Core capital (leverage) ratio | 7.8952% | 5,783 |
| Tier 1 risk-based capital ratio | 10.6836% | 5,591 |
| Total risk-based capital ratio | 11.9339% | 5,506 |
| Memoranda: | ||
| Average total assets | $235,959,670 | 2,632 |
| Average earning assets | $217,864,330 | 2,638 |
| Average equity | $19,055,000 | 3,292 |
| Average total loans | $178,396,670 | 2,330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,227 |
| Cost of funding earning assets | 0.2596% | 4,615 |
| Net interest margin | 4.3541% | 825 |
| Noninterest income to average assets | 0.4154% | 3,717 |
| Noninterest expense to average assets | 3.6331% | 975 |
| Loan and lease loss provision to assets | 0.0358% | 3,183 |
| Net operating income to assets | 0.7474% | 3,497 |
| Return on assets (ROA) | 0.7474% | 3,601 |
| Pretax return on assets | 0.7729% | 4,289 |
| Return on Equity (ROE) | 9.2736% | 2,297 |
| Retained earnings to average equity (ytd only) | 1.3520% | 4,719 |
| Net charge-offs to loans | 0.0135% | 2,675 |
| Credit loss provision to net charge-offs | 350.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 79.1667% | 641 |
| Efficiency ratio | 81.7938% | 1,386 |
| Assets per employee ($millions) | 4.6561% | 2,808 |
| Cash dividends to net income (ytd only)* | 85.4214% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,131 |
| Loan loss allowance to noncurrent loans | 83.6720% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 956 |
| Noncurrent loans to loans | 1.5031% | 1,556 |
| Net loans and leases to total assets | 74.8856% | 1,572 |
| Net loans and leases to deposits | 82.0040% | 2,541 |
| Net loans and leases to core deposits | 84.3231% | 2,905 |
| Total domestic deposits to total assets | 91.3194% | 193 |
| Equity capital to assets | 7.9916% | 5,826 |
| Core capital (leverage) ratio | 8.0098% | 5,766 |
| Tier 1 risk-based capital ratio | 10.3910% | 5,795 |
| Total risk-based capital ratio | 11.6413% | 5,714 |
| Memoranda: | ||
| Average total assets | $234,949,000 | 2,653 |
| Average earning assets | $217,266,000 | 2,651 |
| Average equity | $18,935,500 | 3,310 |
| Average total loans | $178,401,000 | 2,327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 682 |
| Cost of funding earning assets | 0.2719% | 4,562 |
| Net interest margin | 4.6855% | 461 |
| Noninterest income to average assets | 0.5703% | 2,899 |
| Noninterest expense to average assets | 3.5847% | 1,158 |
| Loan and lease loss provision to assets | 0.1222% | 1,961 |
| Net operating income to assets | 1.1193% | 1,839 |
| Return on assets (ROA) | 1.1193% | 1,905 |
| Pretax return on assets | 1.1380% | 2,896 |
| Return on Equity (ROE) | 13.5154% | 949 |
| Retained earnings to average equity (ytd only) | 4.3101% | 2,910 |
| Net charge-offs to loans | 0.1437% | 1,917 |
| Credit loss provision to net charge-offs | 106.1776% | 2,367 |
| Earnings coverage of net charge-offs (x) | 10.9459% | 2,644 |
| Efficiency ratio | 73.9884% | 2,580 |
| Assets per employee ($millions) | 4.3044% | 3,373 |
| Cash dividends to net income (ytd only)* | 68.1096% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 3,051 |
| Loan loss allowance to noncurrent loans | 84.9377% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 864 |
| Noncurrent loans to loans | 1.4990% | 1,546 |
| Net loans and leases to total assets | 75.0582% | 1,564 |
| Net loans and leases to deposits | 82.3226% | 2,548 |
| Net loans and leases to core deposits | 84.9237% | 2,886 |
| Total domestic deposits to total assets | 91.1757% | 243 |
| Equity capital to assets | 8.1287% | 5,794 |
| Core capital (leverage) ratio | 8.0623% | 5,796 |
| Tier 1 risk-based capital ratio | 10.5903% | 5,738 |
| Total risk-based capital ratio | 11.8405% | 5,656 |
| Memoranda: | ||
| Average total assets | $224,954,400 | 2,703 |
| Average earning assets | $205,230,800 | 2,725 |
| Average equity | $18,630,600 | 3,304 |
| Average total loans | $180,258,800 | 2,238 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 604 |
| Cost of funding earning assets | 0.2735% | 4,628 |
| Net interest margin | 4.7386% | 426 |
| Noninterest income to average assets | 0.5917% | 2,793 |
| Noninterest expense to average assets | 3.6069% | 1,109 |
| Loan and lease loss provision to assets | 0.1345% | 1,671 |
| Net operating income to assets | 1.1380% | 1,874 |
| Return on assets (ROA) | 1.1380% | 1,944 |
| Pretax return on assets | 1.1577% | 2,990 |
| Return on Equity (ROE) | 13.6743% | 968 |
| Retained earnings to average equity (ytd only) | 5.3074% | 2,721 |
| Net charge-offs to loans | 0.1899% | 1,344 |
| Credit loss provision to net charge-offs | 87.2093% | 2,507 |
| Earnings coverage of net charge-offs (x) | 8.3799% | 2,823 |
| Efficiency ratio | 73.6245% | 2,617 |
| Assets per employee ($millions) | 4.2050% | 3,507 |
| Cash dividends to net income (ytd only)* | 61.1869% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 3,605 |
| Loan loss allowance to noncurrent loans | 79.3153% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 862 |
| Noncurrent loans to loans | 1.5233% | 1,648 |
| Net loans and leases to total assets | 79.2565% | 914 |
| Net loans and leases to deposits | 87.2512% | 2,000 |
| Net loans and leases to core deposits | 90.0817% | 2,459 |
| Total domestic deposits to total assets | 90.8371% | 294 |
| Equity capital to assets | 8.3072% | 5,825 |
| Core capital (leverage) ratio | 8.1757% | 5,796 |
| Tier 1 risk-based capital ratio | 10.1768% | 5,988 |
| Total risk-based capital ratio | 11.3939% | 5,942 |
| Memoranda: | ||
| Average total assets | $223,083,750 | 2,747 |
| Average earning assets | $202,783,500 | 2,773 |
| Average equity | $18,564,750 | 3,336 |
| Average total loans | $181,145,250 | 2,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 580 |
| Cost of funding earning assets | 0.2761% | 4,654 |
| Net interest margin | 4.7382% | 411 |
| Noninterest income to average assets | 0.6232% | 2,611 |
| Noninterest expense to average assets | 3.5661% | 1,186 |
| Loan and lease loss provision to assets | 0.1353% | 1,618 |
| Net operating income to assets | 1.1860% | 1,645 |
| Return on assets (ROA) | 1.1860% | 1,712 |
| Pretax return on assets | 1.2085% | 2,740 |
| Return on Equity (ROE) | 14.2429% | 856 |
| Retained earnings to average equity (ytd only) | 5.9571% | 2,268 |
| Net charge-offs to loans | 0.0774% | 2,278 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 21.2857% | 1,679 |
| Efficiency ratio | 72.6304% | 2,909 |
| Assets per employee ($millions) | 4.1574% | 3,556 |
| Cash dividends to net income (ytd only)* | 58.1749% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,373 |
| Loan loss allowance to noncurrent loans | 69.4478% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.4908% | 761 |
| Noncurrent loans to loans | 1.8352% | 1,382 |
| Net loans and leases to total assets | 79.8421% | 821 |
| Net loans and leases to deposits | 87.7956% | 1,866 |
| Net loans and leases to core deposits | 91.0586% | 2,236 |
| Total domestic deposits to total assets | 90.9408% | 309 |
| Equity capital to assets | 8.3046% | 5,831 |
| Core capital (leverage) ratio | 8.1847% | 5,799 |
| Tier 1 risk-based capital ratio | 9.9501% | 6,104 |
| Total risk-based capital ratio | 11.1998% | 6,057 |
| Memoranda: | ||
| Average total assets | $221,755,330 | 2,777 |
| Average earning assets | $200,623,670 | 2,809 |
| Average equity | $18,465,330 | 3,364 |
| Average total loans | $180,804,330 | 2,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 539 |
| Cost of funding earning assets | 0.2726% | 4,753 |
| Net interest margin | 4.7682% | 370 |
| Noninterest income to average assets | 0.7369% | 1,981 |
| Noninterest expense to average assets | 3.6972% | 1,019 |
| Loan and lease loss provision to assets | 0.1361% | 1,522 |
| Net operating income to assets | 1.2215% | 1,488 |
| Return on assets (ROA) | 1.2215% | 1,578 |
| Pretax return on assets | 1.2524% | 2,456 |
| Return on Equity (ROE) | 14.6495% | 763 |
| Retained earnings to average equity (ytd only) | 5.6160% | 2,708 |
| Net charge-offs to loans | 0.1131% | 1,615 |
| Credit loss provision to net charge-offs | 147.0588% | 1,266 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,646 |
| Efficiency ratio | 72.6981% | 3,053 |
| Assets per employee ($millions) | 4.5247% | 3,010 |
| Cash dividends to net income (ytd only)* | 61.6642% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,674 |
| Loan loss allowance to noncurrent loans | 45.3141% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6831% | 755 |
| Noncurrent loans to loans | 2.7645% | 837 |
| Net loans and leases to total assets | 78.6744% | 842 |
| Net loans and leases to deposits | 86.3333% | 1,790 |
| Net loans and leases to core deposits | 89.3806% | 2,188 |
| Total domestic deposits to total assets | 91.1287% | 322 |
| Equity capital to assets | 8.1933% | 5,939 |
| Core capital (leverage) ratio | 8.2414% | 5,780 |
| Tier 1 risk-based capital ratio | 9.8670% | 6,200 |
| Total risk-based capital ratio | 11.1071% | 6,164 |
| Memoranda: | ||
| Average total assets | $220,382,000 | 2,803 |
| Average earning assets | $200,997,000 | 2,823 |
| Average equity | $18,376,000 | 3,398 |
| Average total loans | $180,426,000 | 2,272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 770 |
| Cost of funding earning assets | 0.3080% | 4,710 |
| Net interest margin | 4.6946% | 526 |
| Noninterest income to average assets | 0.4965% | 3,540 |
| Noninterest expense to average assets | 3.7240% | 1,108 |
| Loan and lease loss provision to assets | 0.1324% | 1,974 |
| Net operating income to assets | 0.9564% | 2,594 |
| Return on assets (ROA) | 0.9681% | 2,625 |
| Pretax return on assets | 0.9893% | 3,540 |
| Return on Equity (ROE) | 11.6045% | 1,526 |
| Retained earnings to average equity (ytd only) | 0.9973% | 5,326 |
| Net charge-offs to loans | 0.1023% | 3,044 |
| Credit loss provision to net charge-offs | 160.0000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 13.4111% | 2,267 |
| Efficiency ratio | 77.0423% | 2,346 |
| Assets per employee ($millions) | 4.0477% | 3,837 |
| Cash dividends to net income (ytd only)* | 91.4055% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 3,781 |
| Loan loss allowance to noncurrent loans | 43.7868% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.9222% | 706 |
| Noncurrent loans to loans | 2.8249% | 825 |
| Net loans and leases to total assets | 83.1454% | 415 |
| Net loans and leases to deposits | 91.5719% | 1,334 |
| Net loans and leases to core deposits | 95.1947% | 1,790 |
| Total domestic deposits to total assets | 90.7980% | 429 |
| Equity capital to assets | 8.4912% | 5,763 |
| Core capital (leverage) ratio | 8.1047% | 5,928 |
| Tier 1 risk-based capital ratio | 10.1551% | 6,214 |
| Total risk-based capital ratio | 11.4054% | 6,162 |
| Memoranda: | ||
| Average total assets | $217,535,400 | 2,811 |
| Average earning assets | $200,976,000 | 2,797 |
| Average equity | $18,148,200 | 3,384 |
| Average total loans | $175,933,200 | 2,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 864 |
| Cost of funding earning assets | 0.3153% | 4,724 |
| Net interest margin | 4.6214% | 587 |
| Noninterest income to average assets | 0.4984% | 3,561 |
| Noninterest expense to average assets | 3.6721% | 1,167 |
| Loan and lease loss provision to assets | 0.1069% | 2,254 |
| Net operating income to assets | 0.9558% | 2,659 |
| Return on assets (ROA) | 0.9712% | 2,659 |
| Pretax return on assets | 0.9962% | 3,609 |
| Return on Equity (ROE) | 11.6922% | 1,562 |
| Retained earnings to average equity (ytd only) | 1.5810% | 5,251 |
| Net charge-offs to loans | 0.0992% | 2,807 |
| Credit loss provision to net charge-offs | 134.6154% | 1,732 |
| Earnings coverage of net charge-offs (x) | 13.6922% | 2,204 |
| Efficiency ratio | 77.1561% | 2,327 |
| Assets per employee ($millions) | 4.2530% | 3,376 |
| Cash dividends to net income (ytd only)* | 86.4780% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 4,191 |
| Loan loss allowance to noncurrent loans | 48.3627% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.7814% | 885 |
| Noncurrent loans to loans | 2.4927% | 1,179 |
| Net loans and leases to total assets | 82.0247% | 503 |
| Net loans and leases to deposits | 90.3218% | 1,394 |
| Net loans and leases to core deposits | 93.5572% | 1,911 |
| Total domestic deposits to total assets | 90.8139% | 416 |
| Equity capital to assets | 8.4388% | 5,842 |
| Core capital (leverage) ratio | 8.2420% | 5,887 |
| Tier 1 risk-based capital ratio | 10.0591% | 6,331 |
| Total risk-based capital ratio | 11.2901% | 6,300 |
| Memoranda: | ||
| Average total assets | $218,287,000 | 2,825 |
| Average earning assets | $201,259,500 | 2,812 |
| Average equity | $18,131,250 | 3,400 |
| Average total loans | $174,765,250 | 2,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 927 |
| Cost of funding earning assets | 0.3282% | 4,663 |
| Net interest margin | 4.5615% | 622 |
| Noninterest income to average assets | 0.4992% | 3,489 |
| Noninterest expense to average assets | 3.6435% | 1,219 |
| Loan and lease loss provision to assets | 0.1143% | 2,128 |
| Net operating income to assets | 0.9159% | 2,727 |
| Return on assets (ROA) | 0.9399% | 2,706 |
| Pretax return on assets | 0.9719% | 3,604 |
| Return on Equity (ROE) | 11.3757% | 1,607 |
| Retained earnings to average equity (ytd only) | 1.6931% | 5,059 |
| Net charge-offs to loans | 0.2601% | 1,509 |
| Credit loss provision to net charge-offs | 55.5556% | 2,705 |
| Earnings coverage of net charge-offs (x) | 5.1600% | 2,976 |
| Efficiency ratio | 77.4388% | 2,385 |
| Assets per employee ($millions) | 4.1075% | 3,628 |
| Cash dividends to net income (ytd only)* | 85.1167% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 4,638 |
| Loan loss allowance to noncurrent loans | 45.2232% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 947 |
| Noncurrent loans to loans | 2.5553% | 1,214 |
| Net loans and leases to total assets | 79.6042% | 730 |
| Net loans and leases to deposits | 87.5272% | 1,654 |
| Net loans and leases to core deposits | 90.6355% | 2,063 |
| Total domestic deposits to total assets | 90.9480% | 428 |
| Equity capital to assets | 8.3566% | 5,907 |
| Core capital (leverage) ratio | 8.1719% | 5,957 |
| Tier 1 risk-based capital ratio | 10.2925% | 6,308 |
| Total risk-based capital ratio | 11.4720% | 6,291 |
| Memoranda: | ||
| Average total assets | $218,748,330 | 2,826 |
| Average earning assets | $201,688,330 | 2,817 |
| Average equity | $18,073,670 | 3,413 |
| Average total loans | $172,992,000 | 2,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 996 |
| Cost of funding earning assets | 0.3514% | 4,526 |
| Net interest margin | 4.4750% | 690 |
| Noninterest income to average assets | 0.5090% | 3,337 |
| Noninterest expense to average assets | 3.6612% | 1,191 |
| Loan and lease loss provision to assets | 0.0912% | 2,396 |
| Net operating income to assets | 0.8420% | 2,944 |
| Return on assets (ROA) | 0.8866% | 2,781 |
| Pretax return on assets | 0.9395% | 3,558 |
| Return on Equity (ROE) | 10.7913% | 1,762 |
| Retained earnings to average equity (ytd only) | 4.6851% | 3,305 |
| Net charge-offs to loans | 0.0396% | 2,832 |
| Credit loss provision to net charge-offs | 294.1176% | 810 |
| Earnings coverage of net charge-offs (x) | 31.7059% | 1,014 |
| Efficiency ratio | 78.8295% | 2,356 |
| Assets per employee ($millions) | 4.2652% | 3,410 |
| Cash dividends to net income (ytd only)* | 56.5844% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,371 |
| Loan loss allowance to noncurrent loans | 48.2566% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9040% | 998 |
| Noncurrent loans to loans | 2.5916% | 1,329 |
| Net loans and leases to total assets | 78.3708% | 725 |
| Net loans and leases to deposits | 86.1194% | 1,595 |
| Net loans and leases to core deposits | 89.4216% | 1,966 |
| Total domestic deposits to total assets | 91.0024% | 566 |
| Equity capital to assets | 8.3370% | 5,793 |
| Core capital (leverage) ratio | 8.0246% | 6,098 |
| Tier 1 risk-based capital ratio | 10.4191% | 6,356 |
| Total risk-based capital ratio | 11.6691% | 6,317 |
| Memoranda: | ||
| Average total assets | $219,274,000 | 2,836 |
| Average earning assets | $202,635,000 | 2,825 |
| Average equity | $18,014,500 | 3,426 |
| Average total loans | $171,827,000 | 2,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 886 |
| Cost of funding earning assets | 0.4151% | 4,480 |
| Net interest margin | 4.6037% | 606 |
| Noninterest income to average assets | 0.5446% | 3,441 |
| Noninterest expense to average assets | 3.7058% | 1,278 |
| Loan and lease loss provision to assets | 0.2713% | 1,302 |
| Net operating income to assets | 0.7910% | 3,333 |
| Return on assets (ROA) | 0.8046% | 3,368 |
| Pretax return on assets | 0.8098% | 4,112 |
| Return on Equity (ROE) | 9.7035% | 2,231 |
| Retained earnings to average equity (ytd only) | 2.2765% | 4,627 |
| Net charge-offs to loans | 0.2862% | 2,258 |
| Credit loss provision to net charge-offs | 122.0807% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.8025% | 3,448 |
| Efficiency ratio | 77.6372% | 2,523 |
| Assets per employee ($millions) | 4.2504% | 3,355 |
| Cash dividends to net income (ytd only)* | 76.5396% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,426 |
| Loan loss allowance to noncurrent loans | 76.4473% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 1,749 |
| Noncurrent loans to loans | 1.6261% | 2,461 |
| Net loans and leases to total assets | 76.4142% | 1,016 |
| Net loans and leases to deposits | 83.7497% | 1,971 |
| Net loans and leases to core deposits | 86.7773% | 2,373 |
| Total domestic deposits to total assets | 91.2412% | 487 |
| Equity capital to assets | 8.0960% | 5,940 |
| Core capital (leverage) ratio | 8.0809% | 6,075 |
| Tier 1 risk-based capital ratio | 10.4282% | 6,392 |
| Total risk-based capital ratio | 11.6784% | 6,342 |
| Memoranda: | ||
| Average total assets | $211,912,800 | 2,896 |
| Average earning assets | $194,648,400 | 2,896 |
| Average equity | $17,571,000 | 3,486 |
| Average total loans | $164,545,800 | 2,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 888 |
| Cost of funding earning assets | 0.4253% | 4,552 |
| Net interest margin | 4.6024% | 616 |
| Noninterest income to average assets | 0.5495% | 3,464 |
| Noninterest expense to average assets | 3.6284% | 1,353 |
| Loan and lease loss provision to assets | 0.3180% | 1,057 |
| Net operating income to assets | 0.8086% | 3,299 |
| Return on assets (ROA) | 0.8268% | 3,338 |
| Pretax return on assets | 0.8338% | 4,174 |
| Return on Equity (ROE) | 9.9100% | 2,219 |
| Retained earnings to average equity (ytd only) | 2.0582% | 5,095 |
| Net charge-offs to loans | 0.2201% | 2,497 |
| Credit loss provision to net charge-offs | 185.8736% | 1,301 |
| Earnings coverage of net charge-offs (x) | 6.6245% | 2,935 |
| Efficiency ratio | 76.1987% | 2,703 |
| Assets per employee ($millions) | 4.2525% | 3,324 |
| Cash dividends to net income (ytd only)* | 79.2308% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,175 |
| Loan loss allowance to noncurrent loans | 52.2617% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.8670% | 1,296 |
| Noncurrent loans to loans | 2.5707% | 1,667 |
| Net loans and leases to total assets | 77.8089% | 767 |
| Net loans and leases to deposits | 85.4887% | 1,675 |
| Net loans and leases to core deposits | 88.8623% | 2,088 |
| Total domestic deposits to total assets | 91.0166% | 525 |
| Equity capital to assets | 8.2718% | 5,933 |
| Core capital (leverage) ratio | 8.0778% | 6,171 |
| Tier 1 risk-based capital ratio | 10.3390% | 6,497 |
| Total risk-based capital ratio | 11.5901% | 6,463 |
| Memoranda: | ||
| Average total assets | $209,635,250 | 2,939 |
| Average earning assets | $191,867,500 | 2,952 |
| Average equity | $17,490,250 | 3,532 |
| Average total loans | $162,927,500 | 2,392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 928 |
| Cost of funding earning assets | 0.4345% | 4,613 |
| Net interest margin | 4.5522% | 646 |
| Noninterest income to average assets | 0.6269% | 3,036 |
| Noninterest expense to average assets | 3.5554% | 1,491 |
| Loan and lease loss provision to assets | 0.4314% | 689 |
| Net operating income to assets | 0.7873% | 3,366 |
| Return on assets (ROA) | 0.8148% | 3,374 |
| Pretax return on assets | 0.8254% | 4,219 |
| Return on Equity (ROE) | 9.7378% | 2,299 |
| Retained earnings to average equity (ytd only) | 2.5204% | 4,691 |
| Net charge-offs to loans | 0.2864% | 2,050 |
| Credit loss provision to net charge-offs | 194.8052% | 1,215 |
| Earnings coverage of net charge-offs (x) | 5.5498% | 2,871 |
| Efficiency ratio | 74.3138% | 3,071 |
| Assets per employee ($millions) | 4.0042% | 3,792 |
| Cash dividends to net income (ytd only)* | 74.1176% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,308 |
| Loan loss allowance to noncurrent loans | 52.5440% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.7254% | 1,528 |
| Noncurrent loans to loans | 2.5519% | 1,806 |
| Net loans and leases to total assets | 77.6949% | 781 |
| Net loans and leases to deposits | 85.2474% | 1,652 |
| Net loans and leases to core deposits | 86.9635% | 2,234 |
| Total domestic deposits to total assets | 91.1405% | 499 |
| Equity capital to assets | 8.2087% | 6,050 |
| Core capital (leverage) ratio | 8.1027% | 6,104 |
| Tier 1 risk-based capital ratio | 10.2198% | 6,583 |
| Total risk-based capital ratio | 11.4705% | 6,557 |
| Memoranda: | ||
| Average total assets | $208,638,330 | 2,963 |
| Average earning assets | $190,545,670 | 2,983 |
| Average equity | $17,457,670 | 3,555 |
| Average total loans | $161,338,330 | 2,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 917 |
| Cost of funding earning assets | 0.4545% | 4,544 |
| Net interest margin | 4.5301% | 644 |
| Noninterest income to average assets | 0.6730% | 2,739 |
| Noninterest expense to average assets | 3.7941% | 1,120 |
| Loan and lease loss provision to assets | 0.5801% | 441 |
| Net operating income to assets | 0.4428% | 4,945 |
| Return on assets (ROA) | 0.4989% | 4,826 |
| Pretax return on assets | 0.4989% | 5,262 |
| Return on Equity (ROE) | 5.9052% | 4,102 |
| Retained earnings to average equity (ytd only) | -0.9613% | 5,943 |
| Net charge-offs to loans | 0.4847% | 1,233 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 2.7552% | 2,950 |
| Efficiency ratio | 78.7635% | 2,495 |
| Assets per employee ($millions) | 4.1540% | 3,622 |
| Cash dividends to net income (ytd only)* | 116.2791% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,564 |
| Loan loss allowance to noncurrent loans | 72.8953% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4766% | 1,862 |
| Noncurrent loans to loans | 1.8224% | 2,836 |
| Net loans and leases to total assets | 76.1706% | 818 |
| Net loans and leases to deposits | 83.6463% | 1,637 |
| Net loans and leases to core deposits | 85.3853% | 2,170 |
| Total domestic deposits to total assets | 91.0626% | 501 |
| Equity capital to assets | 8.4078% | 6,093 |
| Core capital (leverage) ratio | 8.0981% | 6,046 |
| Tier 1 risk-based capital ratio | 10.2892% | 6,638 |
| Total risk-based capital ratio | 11.5398% | 6,630 |
| Memoranda: | ||
| Average total assets | $206,845,000 | 3,016 |
| Average earning assets | $189,223,000 | 3,023 |
| Average equity | $17,476,000 | 3,599 |
| Average total loans | $158,443,000 | 2,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3944% | 770 |
| Cost of funding earning assets | 0.5709% | 4,633 |
| Net interest margin | 4.8235% | 521 |
| Noninterest income to average assets | 0.7769% | 2,358 |
| Noninterest expense to average assets | 4.0426% | 930 |
| Loan and lease loss provision to assets | 0.2369% | 2,767 |
| Net operating income to assets | 0.7983% | 3,293 |
| Return on assets (ROA) | 0.8103% | 3,487 |
| Pretax return on assets | 0.8159% | 4,238 |
| Return on Equity (ROE) | 9.3477% | 2,466 |
| Retained earnings to average equity (ytd only) | 2.3413% | 4,584 |
| Net charge-offs to loans | 0.1857% | 3,894 |
| Credit loss provision to net charge-offs | 167.7419% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.3692% | 2,626 |
| Efficiency ratio | 79.5280% | 2,208 |
| Assets per employee ($millions) | 4.1198% | 3,703 |
| Cash dividends to net income (ytd only)* | 74.9532% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,674 |
| Loan loss allowance to noncurrent loans | 63.5449% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.4302% | 2,016 |
| Noncurrent loans to loans | 2.0326% | 2,662 |
| Net loans and leases to total assets | 75.0171% | 1,046 |
| Net loans and leases to deposits | 82.4474% | 1,944 |
| Net loans and leases to core deposits | 84.0565% | 2,543 |
| Total domestic deposits to total assets | 90.9879% | 496 |
| Equity capital to assets | 8.4903% | 6,064 |
| Core capital (leverage) ratio | 8.0521% | 6,142 |
| Tier 1 risk-based capital ratio | 10.5415% | 6,537 |
| Total risk-based capital ratio | 11.7917% | 6,505 |
| Memoranda: | ||
| Average total assets | $197,572,800 | 3,077 |
| Average earning assets | $176,387,200 | 3,142 |
| Average equity | $17,127,200 | 3,606 |
| Average total loans | $150,231,200 | 2,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 737 |
| Cost of funding earning assets | 0.5880% | 4,763 |
| Net interest margin | 4.8772% | 494 |
| Noninterest income to average assets | 0.7899% | 2,281 |
| Noninterest expense to average assets | 4.1083% | 818 |
| Loan and lease loss provision to assets | 0.2251% | 2,806 |
| Net operating income to assets | 0.7715% | 3,595 |
| Return on assets (ROA) | 0.7715% | 3,849 |
| Pretax return on assets | 0.7790% | 4,568 |
| Return on Equity (ROE) | 8.8512% | 2,877 |
| Retained earnings to average equity (ytd only) | 1.0252% | 5,755 |
| Net charge-offs to loans | 0.0969% | 4,415 |
| Credit loss provision to net charge-offs | 305.5556% | 882 |
| Earnings coverage of net charge-offs (x) | 13.6293% | 1,897 |
| Efficiency ratio | 80.3602% | 2,039 |
| Assets per employee ($millions) | 4.0383% | 3,787 |
| Cash dividends to net income (ytd only)* | 88.4175% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,557 |
| Loan loss allowance to noncurrent loans | 53.8240% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 3.1525% | 1,642 |
| Noncurrent loans to loans | 2.5167% | 2,273 |
| Net loans and leases to total assets | 75.6298% | 1,022 |
| Net loans and leases to deposits | 83.3978% | 1,939 |
| Net loans and leases to core deposits | 85.3834% | 2,538 |
| Total domestic deposits to total assets | 90.6856% | 525 |
| Equity capital to assets | 8.7443% | 6,074 |
| Core capital (leverage) ratio | 8.2637% | 6,070 |
| Tier 1 risk-based capital ratio | 10.6335% | 6,620 |
| Total risk-based capital ratio | 11.8842% | 6,610 |
| Memoranda: | ||
| Average total assets | $195,468,750 | 3,136 |
| Average earning assets | $173,237,750 | 3,222 |
| Average equity | $17,036,750 | 3,648 |
| Average total loans | $148,651,750 | 2,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 701 |
| Cost of funding earning assets | 0.5973% | 4,928 |
| Net interest margin | 4.9162% | 456 |
| Noninterest income to average assets | 0.7469% | 2,431 |
| Noninterest expense to average assets | 4.1343% | 797 |
| Loan and lease loss provision to assets | 0.2106% | 2,975 |
| Net operating income to assets | 0.7038% | 3,849 |
| Return on assets (ROA) | 0.7038% | 4,112 |
| Pretax return on assets | 0.7151% | 4,783 |
| Return on Equity (ROE) | 8.0835% | 3,224 |
| Retained earnings to average equity (ytd only) | 0.4130% | 5,904 |
| Net charge-offs to loans | 0.0664% | 4,501 |
| Credit loss provision to net charge-offs | 418.3673% | 710 |
| Earnings coverage of net charge-offs (x) | 18.3878% | 1,489 |
| Efficiency ratio | 81.7056% | 1,927 |
| Assets per employee ($millions) | 3.9311% | 4,017 |
| Cash dividends to net income (ytd only)* | 94.8905% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,874 |
| Loan loss allowance to noncurrent loans | 64.8305% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 1,652 |
| Noncurrent loans to loans | 2.0084% | 2,941 |
| Net loans and leases to total assets | 76.7038% | 877 |
| Net loans and leases to deposits | 84.5376% | 1,784 |
| Net loans and leases to core deposits | 86.4360% | 2,372 |
| Total domestic deposits to total assets | 90.7334% | 548 |
| Equity capital to assets | 8.7054% | 6,023 |
| Core capital (leverage) ratio | 8.3691% | 5,830 |
| Tier 1 risk-based capital ratio | 10.2981% | 6,755 |
| Total risk-based capital ratio | 11.5482% | 6,741 |
| Memoranda: | ||
| Average total assets | $194,666,000 | 3,159 |
| Average earning assets | $170,781,670 | 3,263 |
| Average equity | $16,948,000 | 3,649 |
| Average total loans | $147,632,670 | 2,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 829 |
| Cost of funding earning assets | 0.6124% | 5,033 |
| Net interest margin | 4.8398% | 520 |
| Noninterest income to average assets | 0.6958% | 2,679 |
| Noninterest expense to average assets | 4.1544% | 782 |
| Loan and lease loss provision to assets | 0.2168% | 2,767 |
| Net operating income to assets | 0.5348% | 4,674 |
| Return on assets (ROA) | 0.5472% | 4,825 |
| Pretax return on assets | 0.5472% | 5,295 |
| Return on Equity (ROE) | 6.2846% | 4,148 |
| Retained earnings to average equity (ytd only) | -0.8300% | 6,128 |
| Net charge-offs to loans | 0.0524% | 3,979 |
| Credit loss provision to net charge-offs | 552.6316% | 609 |
| Earnings coverage of net charge-offs (x) | 19.1579% | 1,235 |
| Efficiency ratio | 84.6801% | 1,616 |
| Assets per employee ($millions) | 3.9905% | 4,033 |
| Cash dividends to net income (ytd only)* | 113.2075% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 5,072 |
| Loan loss allowance to noncurrent loans | 75.8198% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 3.1534% | 1,837 |
| Noncurrent loans to loans | 1.6986% | 3,561 |
| Net loans and leases to total assets | 75.2243% | 892 |
| Net loans and leases to deposits | 82.8246% | 1,815 |
| Net loans and leases to core deposits | 84.6867% | 2,454 |
| Total domestic deposits to total assets | 90.8236% | 631 |
| Equity capital to assets | 8.6824% | 5,897 |
| Core capital (leverage) ratio | 8.4510% | 5,674 |
| Tier 1 risk-based capital ratio | 10.3623% | 6,774 |
| Total risk-based capital ratio | 11.5917% | 6,782 |
| Memoranda: | ||
| Average total assets | $193,721,000 | 3,184 |
| Average earning assets | $168,518,000 | 3,311 |
| Average equity | $16,866,500 | 3,670 |
| Average total loans | $145,071,500 | 2,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 1,055 |
| Cost of funding earning assets | 0.6674% | 5,727 |
| Net interest margin | 4.8835% | 526 |
| Noninterest income to average assets | 0.7373% | 2,407 |
| Noninterest expense to average assets | 4.2784% | 739 |
| Loan and lease loss provision to assets | 0.3533% | 2,885 |
| Net operating income to assets | 0.4515% | 4,633 |
| Return on assets (ROA) | 0.4515% | 4,843 |
| Pretax return on assets | 0.4515% | 5,124 |
| Return on Equity (ROE) | 5.1760% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.1313% | 4,697 |
| Net charge-offs to loans | 0.5720% | 2,739 |
| Credit loss provision to net charge-offs | 86.8146% | 4,161 |
| Earnings coverage of net charge-offs (x) | 1.9778% | 4,301 |
| Efficiency ratio | 84.1676% | 1,749 |
| Assets per employee ($millions) | 4.2646% | 3,330 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,909 |
| Loan loss allowance to noncurrent loans | 89.8089% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 3.3537% | 1,767 |
| Noncurrent loans to loans | 1.4461% | 4,002 |
| Net loans and leases to total assets | 72.5879% | 1,540 |
| Net loans and leases to deposits | 80.0333% | 2,509 |
| Net loans and leases to core deposits | 82.8070% | 3,057 |
| Total domestic deposits to total assets | 90.6971% | 632 |
| Equity capital to assets | 8.7313% | 5,867 |
| Core capital (leverage) ratio | 8.5104% | 5,538 |
| Tier 1 risk-based capital ratio | 10.9098% | 6,499 |
| Total risk-based capital ratio | 12.1435% | 6,487 |
| Memoranda: | ||
| Average total assets | $188,247,800 | 3,206 |
| Average earning assets | $167,525,000 | 3,289 |
| Average equity | $16,422,000 | 3,661 |
| Average total loans | $133,919,600 | 2,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 1,168 |
| Cost of funding earning assets | 0.6678% | 5,948 |
| Net interest margin | 4.8675% | 548 |
| Noninterest income to average assets | 0.7089% | 2,551 |
| Noninterest expense to average assets | 4.2647% | 744 |
| Loan and lease loss provision to assets | 0.3630% | 2,689 |
| Net operating income to assets | 0.4491% | 4,786 |
| Return on assets (ROA) | 0.4491% | 4,978 |
| Pretax return on assets | 0.4491% | 5,317 |
| Return on Equity (ROE) | 5.1492% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.5172% | 4,235 |
| Net charge-offs to loans | 0.6640% | 2,256 |
| Credit loss provision to net charge-offs | 77.5076% | 4,228 |
| Earnings coverage of net charge-offs (x) | 1.7341% | 4,352 |
| Efficiency ratio | 84.0039% | 1,731 |
| Assets per employee ($millions) | 4.0815% | 3,673 |
| Cash dividends to net income (ytd only)* | 31.6958% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 5,020 |
| Loan loss allowance to noncurrent loans | 94.0000% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 3.1702% | 2,019 |
| Noncurrent loans to loans | 1.3814% | 4,224 |
| Net loans and leases to total assets | 72.3097% | 1,645 |
| Net loans and leases to deposits | 80.0009% | 2,655 |
| Net loans and leases to core deposits | 82.5484% | 3,248 |
| Total domestic deposits to total assets | 90.3860% | 683 |
| Equity capital to assets | 9.0414% | 5,703 |
| Core capital (leverage) ratio | 8.7338% | 5,360 |
| Tier 1 risk-based capital ratio | 11.2622% | 6,395 |
| Total risk-based capital ratio | 12.4969% | 6,382 |
| Memoranda: | ||
| Average total assets | $187,332,750 | 3,242 |
| Average earning assets | $168,102,250 | 3,288 |
| Average equity | $16,338,500 | 3,683 |
| Average total loans | $132,115,750 | 2,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 1,191 |
| Cost of funding earning assets | 0.6728% | 6,111 |
| Net interest margin | 4.8752% | 516 |
| Noninterest income to average assets | 0.6987% | 2,557 |
| Noninterest expense to average assets | 4.3773% | 683 |
| Loan and lease loss provision to assets | 0.3633% | 2,613 |
| Net operating income to assets | 0.3633% | 5,115 |
| Return on assets (ROA) | 0.3633% | 5,254 |
| Pretax return on assets | 0.3633% | 5,506 |
| Return on Equity (ROE) | 4.2167% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.2167% | 3,516 |
| Net charge-offs to loans | 0.6600% | 2,192 |
| Credit loss provision to net charge-offs | 79.0698% | 3,799 |
| Earnings coverage of net charge-offs (x) | 1.5814% | 4,104 |
| Efficiency ratio | 85.7651% | 1,627 |
| Assets per employee ($millions) | 3.9753% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 4,728 |
| Loan loss allowance to noncurrent loans | 91.0168% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 3.1546% | 2,129 |
| Noncurrent loans to loans | 1.5059% | 4,161 |
| Net loans and leases to total assets | 71.0193% | 2,001 |
| Net loans and leases to deposits | 78.3092% | 3,075 |
| Net loans and leases to core deposits | 82.0509% | 3,494 |
| Total domestic deposits to total assets | 90.6909% | 641 |
| Equity capital to assets | 8.8146% | 5,802 |
| Core capital (leverage) ratio | 8.3028% | 5,866 |
| Tier 1 risk-based capital ratio | 11.0819% | 6,459 |
| Total risk-based capital ratio | 12.3326% | 6,449 |
| Memoranda: | ||
| Average total assets | $187,194,330 | 3,265 |
| Average earning assets | $169,141,330 | 3,287 |
| Average equity | $16,126,330 | 3,710 |
| Average total loans | $130,305,670 | 3,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 1,177 |
| Cost of funding earning assets | 0.6748% | 6,277 |
| Net interest margin | 4.8748% | 492 |
| Noninterest income to average assets | 0.7664% | 2,182 |
| Noninterest expense to average assets | 4.5151% | 584 |
| Loan and lease loss provision to assets | 0.2135% | 3,515 |
| Net operating income to assets | 0.4334% | 4,788 |
| Return on assets (ROA) | 0.4334% | 4,869 |
| Pretax return on assets | 0.4334% | 5,236 |
| Return on Equity (ROE) | 5.0893% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.0893% | 3,126 |
| Net charge-offs to loans | 0.2028% | 3,292 |
| Credit loss provision to net charge-offs | 153.8462% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.6615% | 2,422 |
| Efficiency ratio | 87.4690% | 1,571 |
| Assets per employee ($millions) | 4.0851% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 4,090 |
| Loan loss allowance to noncurrent loans | 57.1885% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 3.7203% | 1,816 |
| Noncurrent loans to loans | 2.6659% | 2,823 |
| Net loans and leases to total assets | 67.6797% | 2,622 |
| Net loans and leases to deposits | 74.3446% | 3,710 |
| Net loans and leases to core deposits | 77.4905% | 4,092 |
| Total domestic deposits to total assets | 91.0352% | 610 |
| Equity capital to assets | 8.5540% | 5,832 |
| Core capital (leverage) ratio | 8.3535% | 5,707 |
| Tier 1 risk-based capital ratio | 11.3449% | 6,218 |
| Total risk-based capital ratio | 12.5966% | 6,201 |
| Memoranda: | ||
| Average total assets | $187,372,500 | 3,280 |
| Average earning assets | $168,951,000 | 3,315 |
| Average equity | $15,955,000 | 3,734 |
| Average total loans | $128,191,000 | 3,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 3,638 |
| Cost of funding earning assets | 0.7391% | 6,766 |
| Net interest margin | 4.4551% | 1,341 |
| Noninterest income to average assets | 0.8011% | 2,277 |
| Noninterest expense to average assets | 4.3008% | 810 |
| Loan and lease loss provision to assets | 0.3029% | 4,384 |
| Net operating income to assets | 0.2136% | 5,238 |
| Return on assets (ROA) | 0.2136% | 5,399 |
| Pretax return on assets | 0.2136% | 5,459 |
| Return on Equity (ROE) | 2.4917% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.4917% | 4,133 |
| Net charge-offs to loans | 0.5936% | 3,252 |
| Credit loss provision to net charge-offs | 74.7945% | 5,741 |
| Earnings coverage of net charge-offs (x) | 1.2753% | 4,827 |
| Efficiency ratio | 89.2779% | 1,380 |
| Assets per employee ($millions) | 4.0616% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,899 |
| Loan loss allowance to noncurrent loans | 64.3166% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 3.8746% | 1,762 |
| Noncurrent loans to loans | 2.3634% | 3,158 |
| Net loans and leases to total assets | 67.0656% | 3,204 |
| Net loans and leases to deposits | 73.6219% | 4,257 |
| Net loans and leases to core deposits | 76.7455% | 4,615 |
| Total domestic deposits to total assets | 91.0947% | 558 |
| Equity capital to assets | 8.4761% | 5,887 |
| Core capital (leverage) ratio | 8.2798% | 5,713 |
| Tier 1 risk-based capital ratio | 11.3350% | 6,054 |
| Total risk-based capital ratio | 12.5865% | 6,048 |
| Memoranda: | ||
| Average total assets | $180,243,800 | 3,372 |
| Average earning assets | $162,487,800 | 3,403 |
| Average equity | $15,451,600 | 3,868 |
| Average total loans | $122,975,800 | 3,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 4,063 |
| Cost of funding earning assets | 0.7515% | 6,906 |
| Net interest margin | 4.4017% | 1,520 |
| Noninterest income to average assets | 0.7548% | 2,482 |
| Noninterest expense to average assets | 4.3277% | 722 |
| Loan and lease loss provision to assets | 0.3591% | 3,743 |
| Net operating income to assets | 0.0426% | 5,898 |
| Return on assets (ROA) | 0.0426% | 6,033 |
| Pretax return on assets | 0.0426% | 6,017 |
| Return on Equity (ROE) | 0.4949% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.4949% | 5,604 |
| Net charge-offs to loans | 0.8465% | 2,333 |
| Credit loss provision to net charge-offs | 62.1447% | 5,637 |
| Earnings coverage of net charge-offs (x) | 0.6951% | 5,355 |
| Efficiency ratio | 91.5075% | 1,167 |
| Assets per employee ($millions) | 3.9472% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 4,176 |
| Loan loss allowance to noncurrent loans | 58.8710% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 3.7831% | 1,878 |
| Noncurrent loans to loans | 2.4735% | 3,148 |
| Net loans and leases to total assets | 68.0191% | 3,209 |
| Net loans and leases to deposits | 74.7122% | 4,397 |
| Net loans and leases to core deposits | 77.7174% | 4,836 |
| Total domestic deposits to total assets | 91.0415% | 439 |
| Equity capital to assets | 8.4667% | 6,316 |
| Core capital (leverage) ratio | 7.9267% | 6,438 |
| Tier 1 risk-based capital ratio | 10.8657% | 6,494 |
| Total risk-based capital ratio | 12.1173% | 6,471 |
| Memoranda: | ||
| Average total assets | $178,596,750 | 3,441 |
| Average earning assets | $161,268,500 | 3,473 |
| Average equity | $15,355,500 | 3,926 |
| Average total loans | $121,911,250 | 3,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 4,496 |
| Cost of funding earning assets | 0.7610% | 7,033 |
| Net interest margin | 4.3320% | 1,662 |
| Noninterest income to average assets | 0.7804% | 2,232 |
| Noninterest expense to average assets | 3.8805% | 1,217 |
| Loan and lease loss provision to assets | 0.3446% | 3,662 |
| Net operating income to assets | 0.4718% | 4,452 |
| Return on assets (ROA) | 0.4718% | 4,609 |
| Pretax return on assets | 0.4718% | 4,996 |
| Return on Equity (ROE) | 5.4594% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.4594% | 2,639 |
| Net charge-offs to loans | 0.7833% | 2,289 |
| Credit loss provision to net charge-offs | 64.6934% | 5,105 |
| Earnings coverage of net charge-offs (x) | 1.5328% | 4,342 |
| Efficiency ratio | 82.6181% | 2,086 |
| Assets per employee ($millions) | 3.9941% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,440 |
| Loan loss allowance to noncurrent loans | 41.1603% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 4.6296% | 1,415 |
| Noncurrent loans to loans | 3.8896% | 1,965 |
| Net loans and leases to total assets | 66.7158% | 3,683 |
| Net loans and leases to deposits | 73.4447% | 4,762 |
| Net loans and leases to core deposits | 75.5383% | 5,245 |
| Total domestic deposits to total assets | 90.8381% | 553 |
| Equity capital to assets | 8.7357% | 5,833 |
| Core capital (leverage) ratio | 8.2869% | 5,795 |
| Tier 1 risk-based capital ratio | 11.6624% | 5,616 |
| Total risk-based capital ratio | 12.9158% | 5,576 |
| Memoranda: | ||
| Average total assets | $177,605,330 | 3,474 |
| Average earning assets | $160,570,670 | 3,504 |
| Average equity | $15,349,670 | 3,925 |
| Average total loans | $120,772,330 | 3,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 4,097 |
| Cost of funding earning assets | 0.7843% | 7,139 |
| Net interest margin | 4.4024% | 1,384 |
| Noninterest income to average assets | 0.8497% | 1,815 |
| Noninterest expense to average assets | 3.9696% | 1,076 |
| Loan and lease loss provision to assets | 0.3331% | 3,399 |
| Net operating income to assets | 0.4894% | 4,442 |
| Return on assets (ROA) | 0.4894% | 4,578 |
| Pretax return on assets | 0.4894% | 5,000 |
| Return on Equity (ROE) | 5.6940% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,767 |
| Net charge-offs to loans | 0.6754% | 2,142 |
| Credit loss provision to net charge-offs | 72.4138% | 4,046 |
| Earnings coverage of net charge-offs (x) | 1.7882% | 3,662 |
| Efficiency ratio | 82.8369% | 2,158 |
| Assets per employee ($millions) | 3.8997% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 2,896 |
| Loan loss allowance to noncurrent loans | 44.2394% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 4.5628% | 1,476 |
| Noncurrent loans to loans | 3.9561% | 1,991 |
| Net loans and leases to total assets | 64.5281% | 4,211 |
| Net loans and leases to deposits | 70.8901% | 5,217 |
| Net loans and leases to core deposits | 73.0205% | 5,608 |
| Total domestic deposits to total assets | 91.0255% | 533 |
| Equity capital to assets | 8.6361% | 5,823 |
| Core capital (leverage) ratio | 8.3865% | 5,590 |
| Tier 1 risk-based capital ratio | 12.2328% | 4,964 |
| Total risk-based capital ratio | 13.4883% | 4,931 |
| Memoranda: | ||
| Average total assets | $176,541,000 | 3,551 |
| Average earning assets | $158,096,500 | 3,606 |
| Average equity | $15,174,000 | 3,985 |
| Average total loans | $120,227,500 | 3,459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 4,186 |
| Cost of funding earning assets | 1.1147% | 6,931 |
| Net interest margin | 4.3774% | 1,495 |
| Noninterest income to average assets | 0.8512% | 2,173 |
| Noninterest expense to average assets | 3.4477% | 2,534 |
| Loan and lease loss provision to assets | 1.0065% | 2,265 |
| Net operating income to assets | 0.4035% | 4,115 |
| Return on assets (ROA) | 0.4035% | 4,220 |
| Pretax return on assets | 0.4035% | 4,487 |
| Return on Equity (ROE) | 4.8238% | 3,751 |
| Retained earnings to average equity (ytd only) | 3.1108% | 2,985 |
| Net charge-offs to loans | 0.9863% | 2,437 |
| Credit loss provision to net charge-offs | 143.6989% | 3,337 |
| Earnings coverage of net charge-offs (x) | 2.0131% | 4,215 |
| Efficiency ratio | 70.9735% | 4,445 |
| Assets per employee ($millions) | 4.0394% | 3,733 |
| Cash dividends to net income (ytd only)* | 35.5114% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 2,799 |
| Loan loss allowance to noncurrent loans | 34.9736% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 4.2310% | 1,549 |
| Noncurrent loans to loans | 4.9381% | 1,377 |
| Net loans and leases to total assets | 69.3860% | 3,391 |
| Net loans and leases to deposits | 76.1984% | 4,709 |
| Net loans and leases to core deposits | 87.5815% | 5,374 |
| Total domestic deposits to total assets | 91.0596% | 514 |
| Equity capital to assets | 8.5529% | 5,807 |
| Core capital (leverage) ratio | 7.8785% | 6,347 |
| Tier 1 risk-based capital ratio | 11.2026% | 5,717 |
| Total risk-based capital ratio | 12.4579% | 5,663 |
| Memoranda: | ||
| Average total assets | $174,464,400 | 3,525 |
| Average earning assets | $159,685,400 | 3,528 |
| Average equity | $14,594,400 | 4,127 |
| Average total loans | $123,896,000 | 3,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 4,443 |
| Cost of funding earning assets | 1.1736% | 6,959 |
| Net interest margin | 4.3207% | 1,674 |
| Noninterest income to average assets | 0.8443% | 2,228 |
| Noninterest expense to average assets | 3.4459% | 2,433 |
| Loan and lease loss provision to assets | 0.8626% | 2,227 |
| Net operating income to assets | 0.5351% | 3,847 |
| Return on assets (ROA) | 0.5351% | 3,933 |
| Pretax return on assets | 0.5351% | 4,411 |
| Return on Equity (ROE) | 6.4329% | 3,330 |
| Retained earnings to average equity (ytd only) | 4.1388% | 2,969 |
| Net charge-offs to loans | 0.9446% | 2,085 |
| Credit loss provision to net charge-offs | 128.4091% | 3,910 |
| Earnings coverage of net charge-offs (x) | 2.0807% | 4,265 |
| Efficiency ratio | 71.1426% | 4,401 |
| Assets per employee ($millions) | 3.7913% | 4,207 |
| Cash dividends to net income (ytd only)* | 35.6640% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,443 |
| Loan loss allowance to noncurrent loans | 58.5755% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.3268% | 2,949 |
| Noncurrent loans to loans | 2.5605% | 2,947 |
| Net loans and leases to total assets | 69.0623% | 3,699 |
| Net loans and leases to deposits | 75.9040% | 5,065 |
| Net loans and leases to core deposits | 87.3303% | 5,713 |
| Total domestic deposits to total assets | 90.9863% | 426 |
| Equity capital to assets | 8.5641% | 6,162 |
| Core capital (leverage) ratio | 7.9565% | 6,438 |
| Tier 1 risk-based capital ratio | 11.3013% | 5,635 |
| Total risk-based capital ratio | 12.5542% | 5,579 |
| Memoranda: | ||
| Average total assets | $174,656,750 | 3,537 |
| Average earning assets | $161,667,250 | 3,517 |
| Average equity | $14,529,000 | 4,181 |
| Average total loans | $124,210,500 | 3,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 4,500 |
| Cost of funding earning assets | 1.2616% | 6,922 |
| Net interest margin | 4.2600% | 1,780 |
| Noninterest income to average assets | 0.8458% | 2,190 |
| Noninterest expense to average assets | 3.4657% | 2,439 |
| Loan and lease loss provision to assets | 0.5551% | 2,796 |
| Net operating income to assets | 0.7554% | 3,017 |
| Return on assets (ROA) | 0.7554% | 3,127 |
| Pretax return on assets | 0.7554% | 3,816 |
| Return on Equity (ROE) | 9.1709% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.6971% | 2,161 |
| Net charge-offs to loans | 0.4469% | 3,030 |
| Credit loss provision to net charge-offs | 173.8351% | 2,646 |
| Earnings coverage of net charge-offs (x) | 4.1039% | 3,215 |
| Efficiency ratio | 72.5617% | 4,287 |
| Assets per employee ($millions) | 3.7240% | 4,272 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 3,549 |
| Loan loss allowance to noncurrent loans | 40.1706% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 2,377 |
| Noncurrent loans to loans | 3.5704% | 1,960 |
| Net loans and leases to total assets | 70.2827% | 3,633 |
| Net loans and leases to deposits | 77.1106% | 5,015 |
| Net loans and leases to core deposits | 89.6263% | 5,565 |
| Total domestic deposits to total assets | 91.1453% | 417 |
| Equity capital to assets | 8.3565% | 6,257 |
| Core capital (leverage) ratio | 7.6505% | 6,825 |
| Tier 1 risk-based capital ratio | 10.9325% | 5,954 |
| Total risk-based capital ratio | 12.1841% | 5,891 |
| Memoranda: | ||
| Average total assets | $174,741,670 | 3,559 |
| Average earning assets | $161,221,330 | 3,538 |
| Average equity | $14,393,330 | 4,218 |
| Average total loans | $124,854,000 | 3,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 5,039 |
| Cost of funding earning assets | 1.3052% | 6,998 |
| Net interest margin | 4.1704% | 2,011 |
| Noninterest income to average assets | 0.7400% | 2,653 |
| Noninterest expense to average assets | 3.6953% | 1,668 |
| Loan and lease loss provision to assets | 0.5613% | 2,234 |
| Net operating income to assets | 0.3849% | 4,921 |
| Return on assets (ROA) | 0.3849% | 5,103 |
| Pretax return on assets | 0.3849% | 5,444 |
| Return on Equity (ROE) | 4.7069% | 4,606 |
| Retained earnings to average equity (ytd only) | -2.2974% | 6,156 |
| Net charge-offs to loans | 0.9417% | 1,408 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.4048% | 4,033 |
| Efficiency ratio | 79.6150% | 2,883 |
| Assets per employee ($millions) | 3.8922% | 3,895 |
| Cash dividends to net income (ytd only)* | 148.8095% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,516 |
| Loan loss allowance to noncurrent loans | 35.4831% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 2,234 |
| Noncurrent loans to loans | 3.4994% | 1,817 |
| Net loans and leases to total assets | 68.1879% | 4,089 |
| Net loans and leases to deposits | 74.4693% | 5,421 |
| Net loans and leases to core deposits | 86.7562% | 5,849 |
| Total domestic deposits to total assets | 91.5651% | 262 |
| Equity capital to assets | 7.9719% | 6,854 |
| Core capital (leverage) ratio | 7.7210% | 6,860 |
| Tier 1 risk-based capital ratio | 10.5417% | 6,354 |
| Total risk-based capital ratio | 11.7482% | 6,307 |
| Memoranda: | ||
| Average total assets | $174,599,500 | 3,582 |
| Average earning assets | $163,343,000 | 3,520 |
| Average equity | $14,277,000 | 4,276 |
| Average total loans | $124,879,500 | 3,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0331% | 5,398 |
| Cost of funding earning assets | 1.9004% | 6,727 |
| Net interest margin | 4.1327% | 2,573 |
| Noninterest income to average assets | 0.7954% | 2,542 |
| Noninterest expense to average assets | 3.5902% | 2,175 |
| Loan and lease loss provision to assets | 0.3384% | 3,686 |
| Net operating income to assets | 0.6765% | 4,000 |
| Return on assets (ROA) | 0.7098% | 3,682 |
| Pretax return on assets | 0.7169% | 4,344 |
| Return on Equity (ROE) | 8.4988% | 2,844 |
| Retained earnings to average equity (ytd only) | 0.3677% | 5,026 |
| Net charge-offs to loans | 0.3764% | 2,962 |
| Credit loss provision to net charge-offs | 120.3782% | 4,460 |
| Earnings coverage of net charge-offs (x) | 3.6345% | 4,277 |
| Efficiency ratio | 77.8489% | 2,939 |
| Assets per employee ($millions) | 3.2105% | 5,455 |
| Cash dividends to net income (ytd only)* | 95.6739% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,079 |
| Loan loss allowance to noncurrent loans | 34.9746% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 2.8074% | 1,672 |
| Noncurrent loans to loans | 3.5905% | 1,404 |
| Net loans and leases to total assets | 73.2000% | 3,314 |
| Net loans and leases to deposits | 80.3213% | 4,990 |
| Net loans and leases to core deposits | 91.6911% | 5,667 |
| Total domestic deposits to total assets | 91.1341% | 290 |
| Equity capital to assets | 8.3928% | 6,267 |
| Core capital (leverage) ratio | 7.9102% | 6,640 |
| Tier 1 risk-based capital ratio | 10.4422% | 6,273 |
| Total risk-based capital ratio | 11.6679% | 6,172 |
| Memoranda: | ||
| Average total assets | $169,349,400 | 3,565 |
| Average earning assets | $156,388,200 | 3,546 |
| Average equity | $14,143,200 | 4,310 |
| Average total loans | $126,451,800 | 3,324 |