Home > Franklin State Bank & Trust Company > Performance and Condition Ratios
Franklin State Bank & 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 | 6.5901% | 549 |
| Cost of funding earning assets | 1.6756% | 2,786 |
| Net interest margin | 4.9145% | 344 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.9292% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.2407% | 310 |
| Return on assets (ROA) | 2.2407% | 312 |
| Pretax return on assets | 2.2407% | 469 |
| Return on Equity (ROE) | 22.9400% | 274 |
| Retained earnings to average equity (ytd only) | 20.3258% | 151 |
| Net charge-offs to loans | 0.0484% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 94.3846% | 727 |
| Efficiency ratio | 56.6584% | 3,339 |
| Assets per employee ($millions) | 4.5409% | 3,896 |
| Cash dividends to net income (ytd only)* | 11.4099% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,109 |
| Loan loss allowance to noncurrent loans | 358.3514% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 2,102 |
| Noncurrent loans to loans | 0.4090% | 2,088 |
| Net loans and leases to total assets | 50.9500% | 3,522 |
| Net loans and leases to deposits | 57.1077% | 3,603 |
| Net loans and leases to core deposits | 72.9526% | 3,133 |
| Total domestic deposits to total assets | 89.2200% | 1,085 |
| Equity capital to assets | 10.1325% | 2,134 |
| Core capital (leverage) ratio | 10.1642% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8186% | 416 |
| Memoranda: | ||
| Average total assets | $219,034,000 | 2,900 |
| Average earning assets | $206,735,500 | 2,867 |
| Average equity | $21,391,500 | 2,929 |
| Average total loans | $107,377,000 | 3,146 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3912% | 820 |
| Cost of funding earning assets | 1.7118% | 2,927 |
| Net interest margin | 4.6795% | 505 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 3.0671% | 1,044 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.7504% | 602 |
| Return on assets (ROA) | 1.7504% | 596 |
| Pretax return on assets | 1.7504% | 896 |
| Return on Equity (ROE) | 17.7600% | 590 |
| Retained earnings to average equity (ytd only) | -5.7111% | 4,311 |
| Net charge-offs to loans | 0.0879% | 1,273 |
| Credit loss provision to net charge-offs | 206.1856% | 1,109 |
| Earnings coverage of net charge-offs (x) | 40.3402% | 1,335 |
| Efficiency ratio | 62.4436% | 2,892 |
| Assets per employee ($millions) | 4.4021% | 3,958 |
| Cash dividends to net income (ytd only)* | 132.1573% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 680 |
| Loan loss allowance to noncurrent loans | 627.8388% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,428 |
| Noncurrent loans to loans | 0.2675% | 2,465 |
| Net loans and leases to total assets | 45.5800% | 3,827 |
| Net loans and leases to deposits | 50.6996% | 3,892 |
| Net loans and leases to core deposits | 63.9911% | 3,603 |
| Total domestic deposits to total assets | 89.9100% | 848 |
| Equity capital to assets | 9.4036% | 2,532 |
| Core capital (leverage) ratio | 9.9759% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3964% | 446 |
| Memoranda: | ||
| Average total assets | $212,122,200 | 2,922 |
| Average earning assets | $199,382,400 | 2,897 |
| Average equity | $20,906,800 | 2,905 |
| Average total loans | $110,398,000 | 3,099 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5635% | 635 |
| Cost of funding earning assets | 1.6939% | 2,967 |
| Net interest margin | 4.8697% | 400 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.9480% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.0927% | 370 |
| Return on assets (ROA) | 2.0927% | 372 |
| Pretax return on assets | 2.0927% | 559 |
| Return on Equity (ROE) | 20.9800% | 369 |
| Retained earnings to average equity (ytd only) | -0.8588% | 4,122 |
| Net charge-offs to loans | 0.0913% | 1,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 42.8312% | 1,295 |
| Efficiency ratio | 58.4844% | 3,304 |
| Assets per employee ($millions) | 3.9838% | 4,124 |
| Cash dividends to net income (ytd only)* | 104.0934% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,464 |
| Loan loss allowance to noncurrent loans | 681.7778% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,439 |
| Noncurrent loans to loans | 0.2003% | 2,740 |
| Net loans and leases to total assets | 53.4900% | 3,449 |
| Net loans and leases to deposits | 60.5193% | 3,565 |
| Net loans and leases to core deposits | 77.9499% | 2,961 |
| Total domestic deposits to total assets | 88.3900% | 1,127 |
| Equity capital to assets | 10.5901% | 1,936 |
| Core capital (leverage) ratio | 10.7473% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9341% | 477 |
| Memoranda: | ||
| Average total assets | $210,126,000 | 2,931 |
| Average earning assets | $197,571,500 | 2,904 |
| Average equity | $20,959,000 | 2,900 |
| Average total loans | $112,485,750 | 3,082 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5993% | 564 |
| Cost of funding earning assets | 1.6320% | 3,014 |
| Net interest margin | 4.9673% | 346 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 2.9065% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.2480% | 317 |
| Return on assets (ROA) | 2.2480% | 313 |
| Pretax return on assets | 2.2480% | 450 |
| Return on Equity (ROE) | 23.0000% | 294 |
| Retained earnings to average equity (ytd only) | -8.9082% | 4,419 |
| Net charge-offs to loans | 0.0320% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 131.8333% | 655 |
| Efficiency ratio | 56.3867% | 3,543 |
| Assets per employee ($millions) | 4.2799% | 4,023 |
| Cash dividends to net income (ytd only)* | 138.7273% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 1,736 |
| Loan loss allowance to noncurrent loans | 647.5610% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 2,323 |
| Noncurrent loans to loans | 0.2007% | 2,692 |
| Net loans and leases to total assets | 58.8800% | 3,060 |
| Net loans and leases to deposits | 66.1312% | 3,247 |
| Net loans and leases to core deposits | 85.1831% | 2,449 |
| Total domestic deposits to total assets | 89.0300% | 995 |
| Equity capital to assets | 10.1009% | 2,012 |
| Core capital (leverage) ratio | 10.2620% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9905% | 590 |
| Memoranda: | ||
| Average total assets | $211,116,333 | 2,926 |
| Average earning assets | $198,899,333 | 2,901 |
| Average equity | $20,632,667 | 2,887 |
| Average total loans | $112,532,333 | 3,076 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7749% | 430 |
| Cost of funding earning assets | 1.5201% | 3,147 |
| Net interest margin | 5.2548% | 240 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.8735% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.5968% | 225 |
| Return on assets (ROA) | 2.5968% | 225 |
| Pretax return on assets | 2.5968% | 311 |
| Return on Equity (ROE) | 27.0100% | 189 |
| Retained earnings to average equity (ytd only) | -34.2771% | 4,500 |
| Net charge-offs to loans | 0.0744% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 69.4500% | 828 |
| Efficiency ratio | 52.5290% | 3,863 |
| Assets per employee ($millions) | 4.2063% | 4,082 |
| Cash dividends to net income (ytd only)* | 226.9258% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,280 |
| Loan loss allowance to noncurrent loans | 1,608.0808% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,678 |
| Noncurrent loans to loans | 0.0890% | 3,167 |
| Net loans and leases to total assets | 52.1400% | 3,484 |
| Net loans and leases to deposits | 57.9720% | 3,622 |
| Net loans and leases to core deposits | 73.6185% | 3,129 |
| Total domestic deposits to total assets | 89.9500% | 811 |
| Equity capital to assets | 9.3822% | 2,411 |
| Core capital (leverage) ratio | 9.7932% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6744% | 561 |
| Memoranda: | ||
| Average total assets | $213,956,000 | 2,913 |
| Average earning assets | $201,569,000 | 2,885 |
| Average equity | $20,573,500 | 2,908 |
| Average total loans | $107,525,000 | 3,139 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 1,040 |
| Cost of funding earning assets | 0.9986% | 3,297 |
| Net interest margin | 4.5910% | 537 |
| Noninterest income to average assets | 2.9700% | 186 |
| Noninterest expense to average assets | 3.2855% | 752 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 3.7610% | 110 |
| Return on assets (ROA) | 3.7610% | 112 |
| Pretax return on assets | 3.7610% | 131 |
| Return on Equity (ROE) | 37.5700% | 102 |
| Retained earnings to average equity (ytd only) | 11.4283% | 713 |
| Net charge-offs to loans | 0.3815% | 274 |
| Credit loss provision to net charge-offs | 117.9245% | 1,695 |
| Earnings coverage of net charge-offs (x) | 20.1132% | 1,875 |
| Efficiency ratio | 45.1258% | 4,222 |
| Assets per employee ($millions) | 4.4408% | 3,981 |
| Cash dividends to net income (ytd only)* | 69.5815% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 937 |
| Loan loss allowance to noncurrent loans | 429.6000% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 1,901 |
| Noncurrent loans to loans | 0.3613% | 1,904 |
| Net loans and leases to total assets | 46.9600% | 3,777 |
| Net loans and leases to deposits | 52.3946% | 3,861 |
| Net loans and leases to core deposits | 64.2355% | 3,578 |
| Total domestic deposits to total assets | 89.6300% | 866 |
| Equity capital to assets | 9.8415% | 2,098 |
| Core capital (leverage) ratio | 10.5637% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9046% | 430 |
| Memoranda: | ||
| Average total assets | $213,454,400 | 2,884 |
| Average earning assets | $200,589,400 | 2,864 |
| Average equity | $21,368,000 | 2,744 |
| Average total loans | $111,140,200 | 3,042 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5712% | 937 |
| Cost of funding earning assets | 0.9001% | 3,272 |
| Net interest margin | 4.6711% | 479 |
| Noninterest income to average assets | 3.5600% | 169 |
| Noninterest expense to average assets | 3.1076% | 922 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 4.5864% | 93 |
| Return on assets (ROA) | 4.5864% | 93 |
| Pretax return on assets | 4.5864% | 105 |
| Return on Equity (ROE) | 45.6200% | 88 |
| Retained earnings to average equity (ytd only) | 40.9175% | 47 |
| Net charge-offs to loans | 0.1015% | 777 |
| Credit loss provision to net charge-offs | 465.1163% | 671 |
| Earnings coverage of net charge-offs (x) | 89.6163% | 977 |
| Efficiency ratio | 39.1136% | 4,379 |
| Assets per employee ($millions) | 4.1855% | 4,087 |
| Cash dividends to net income (ytd only)* | 10.3052% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 876 |
| Loan loss allowance to noncurrent loans | 233.5859% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 1,519 |
| Noncurrent loans to loans | 0.6860% | 1,203 |
| Net loans and leases to total assets | 54.2800% | 3,340 |
| Net loans and leases to deposits | 62.2390% | 3,389 |
| Net loans and leases to core deposits | 76.9272% | 2,802 |
| Total domestic deposits to total assets | 87.2200% | 1,822 |
| Equity capital to assets | 12.0444% | 1,030 |
| Core capital (leverage) ratio | 12.6628% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1198% | 348 |
| Memoranda: | ||
| Average total assets | $212,418,250 | 2,899 |
| Average earning assets | $199,520,000 | 2,882 |
| Average equity | $21,356,250 | 2,730 |
| Average total loans | $112,977,000 | 3,027 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 868 |
| Cost of funding earning assets | 0.7811% | 3,265 |
| Net interest margin | 4.6945% | 462 |
| Noninterest income to average assets | 5.0900% | 118 |
| Noninterest expense to average assets | 3.2623% | 728 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 5.8604% | 58 |
| Return on assets (ROA) | 5.8604% | 58 |
| Pretax return on assets | 5.8604% | 77 |
| Return on Equity (ROE) | 62.3200% | 45 |
| Retained earnings to average equity (ytd only) | 56.3244% | 25 |
| Net charge-offs to loans | 0.0499% | 1,017 |
| Credit loss provision to net charge-offs | 1,428.5714% | 330 |
| Earnings coverage of net charge-offs (x) | 237.6786% | 524 |
| Efficiency ratio | 34.3494% | 4,502 |
| Assets per employee ($millions) | 4.1618% | 4,115 |
| Cash dividends to net income (ytd only)* | 9.6243% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,197 |
| Loan loss allowance to noncurrent loans | 190.6094% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 1,144 |
| Noncurrent loans to loans | 0.7847% | 966 |
| Net loans and leases to total assets | 59.2000% | 2,845 |
| Net loans and leases to deposits | 67.0516% | 2,992 |
| Net loans and leases to core deposits | 81.8961% | 2,343 |
| Total domestic deposits to total assets | 88.2900% | 1,500 |
| Equity capital to assets | 11.1800% | 1,310 |
| Core capital (leverage) ratio | 11.9233% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7137% | 506 |
| Memoranda: | ||
| Average total assets | $213,466,000 | 2,902 |
| Average earning assets | $200,236,333 | 2,884 |
| Average equity | $20,073,000 | 2,860 |
| Average total loans | $112,151,667 | 3,036 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 841 |
| Cost of funding earning assets | 0.6570% | 3,196 |
| Net interest margin | 4.6304% | 489 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.6757% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1675% | 391 |
| Return on assets (ROA) | 2.1675% | 384 |
| Pretax return on assets | 2.1675% | 597 |
| Return on Equity (ROE) | 25.4300% | 386 |
| Retained earnings to average equity (ytd only) | 15.5444% | 739 |
| Net charge-offs to loans | 0.0996% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 44.6154% | 1,138 |
| Efficiency ratio | 55.2469% | 3,482 |
| Assets per employee ($millions) | 4.4009% | 4,077 |
| Cash dividends to net income (ytd only)* | 38.8793% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,809 |
| Loan loss allowance to noncurrent loans | 207.8512% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 1,489 |
| Noncurrent loans to loans | 0.6503% | 1,161 |
| Net loans and leases to total assets | 52.1400% | 3,336 |
| Net loans and leases to deposits | 57.4814% | 3,478 |
| Net loans and leases to core deposits | 71.1567% | 2,873 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 8.9168% | 2,580 |
| Core capital (leverage) ratio | 9.5014% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0316% | 653 |
| Memoranda: | ||
| Average total assets | $214,072,000 | 2,950 |
| Average earning assets | $202,748,500 | 2,914 |
| Average equity | $18,244,500 | 3,031 |
| Average total loans | $104,446,500 | 3,154 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 2,629 |
| Cost of funding earning assets | 0.2763% | 3,076 |
| Net interest margin | 3.3875% | 2,303 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.5704% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1604% | 1,935 |
| Return on assets (ROA) | 1.1604% | 1,867 |
| Pretax return on assets | 1.1604% | 2,565 |
| Return on Equity (ROE) | 14.3500% | 1,446 |
| Retained earnings to average equity (ytd only) | 7.1698% | 2,169 |
| Net charge-offs to loans | 0.0532% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 45.5636% | 1,425 |
| Efficiency ratio | 68.8966% | 1,854 |
| Assets per employee ($millions) | 4.8200% | 3,801 |
| Cash dividends to net income (ytd only)* | 50.0399% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,018 |
| Loan loss allowance to noncurrent loans | 426.1111% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,385 |
| Noncurrent loans to loans | 0.3702% | 1,816 |
| Net loans and leases to total assets | 44.1300% | 3,886 |
| Net loans and leases to deposits | 48.1995% | 3,970 |
| Net loans and leases to core deposits | 57.6910% | 3,635 |
| Total domestic deposits to total assets | 91.5600% | 767 |
| Equity capital to assets | 8.1387% | 2,971 |
| Core capital (leverage) ratio | 8.9167% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1868% | 466 |
| Memoranda: | ||
| Average total assets | $215,960,800 | 2,937 |
| Average earning assets | $204,838,800 | 2,893 |
| Average equity | $17,462,200 | 3,164 |
| Average total loans | $103,296,800 | 3,102 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 2,497 |
| Cost of funding earning assets | 0.2422% | 2,790 |
| Net interest margin | 3.2951% | 2,310 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4469% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1922% | 1,727 |
| Return on assets (ROA) | 1.1922% | 1,703 |
| Pretax return on assets | 1.1922% | 2,400 |
| Return on Equity (ROE) | 14.7700% | 1,224 |
| Retained earnings to average equity (ytd only) | 11.3006% | 968 |
| Net charge-offs to loans | 0.0305% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 80.3750% | 1,043 |
| Efficiency ratio | 67.2385% | 2,127 |
| Assets per employee ($millions) | 4.8611% | 3,796 |
| Cash dividends to net income (ytd only)* | 23.4837% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,708 |
| Loan loss allowance to noncurrent loans | 1,423.6364% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,367 |
| Noncurrent loans to loans | 0.0963% | 3,186 |
| Net loans and leases to total assets | 52.6500% | 3,220 |
| Net loans and leases to deposits | 57.6304% | 3,368 |
| Net loans and leases to core deposits | 70.1277% | 2,632 |
| Total domestic deposits to total assets | 91.3700% | 1,093 |
| Equity capital to assets | 8.1598% | 2,787 |
| Core capital (leverage) ratio | 9.1910% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7796% | 661 |
| Memoranda: | ||
| Average total assets | $215,725,500 | 2,963 |
| Average earning assets | $204,821,250 | 2,917 |
| Average equity | $17,414,500 | 3,208 |
| Average total loans | $104,808,000 | 3,098 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3534% | 2,561 |
| Cost of funding earning assets | 0.2274% | 2,541 |
| Net interest margin | 3.1259% | 2,453 |
| Noninterest income to average assets | 0.5787% | 1,833 |
| Noninterest expense to average assets | 2.4480% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1038% | 1,761 |
| Return on assets (ROA) | 1.1038% | 1,735 |
| Pretax return on assets | 1.1038% | 2,394 |
| Return on Equity (ROE) | 13.7228% | 1,184 |
| Retained earnings to average equity (ytd only) | 10.2519% | 959 |
| Net charge-offs to loans | 0.0433% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 54.2727% | 1,125 |
| Efficiency ratio | 68.9224% | 2,114 |
| Assets per employee ($millions) | 4.5339% | 4,049 |
| Cash dividends to net income (ytd only)* | 25.2931% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,900 |
| Loan loss allowance to noncurrent loans | 185.5621% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,419 |
| Noncurrent loans to loans | 0.7361% | 1,169 |
| Net loans and leases to total assets | 53.1348% | 3,049 |
| Net loans and leases to deposits | 58.0533% | 3,222 |
| Net loans and leases to core deposits | 69.9980% | 2,490 |
| Total domestic deposits to total assets | 91.5276% | 1,022 |
| Equity capital to assets | 8.1031% | 3,039 |
| Core capital (leverage) ratio | 8.7847% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5227% | 656 |
| Memoranda: | ||
| Average total assets | $216,337,333 | 2,978 |
| Average earning assets | $205,762,333 | 2,950 |
| Average equity | $17,401,667 | 3,281 |
| Average total loans | $101,681,000 | 3,155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 2,297 |
| Cost of funding earning assets | 0.2218% | 2,505 |
| Net interest margin | 3.1072% | 2,149 |
| Noninterest income to average assets | 0.4460% | 2,408 |
| Noninterest expense to average assets | 2.3674% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0351% | 1,741 |
| Return on assets (ROA) | 1.0351% | 1,736 |
| Pretax return on assets | 1.0351% | 2,337 |
| Return on Equity (ROE) | 12.9143% | 1,057 |
| Retained earnings to average equity (ytd only) | 9.4568% | 1,153 |
| Net charge-offs to loans | 0.0673% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 1,068 |
| Efficiency ratio | 69.5793% | 2,291 |
| Assets per employee ($millions) | 4.7813% | 3,939 |
| Cash dividends to net income (ytd only)* | 26.7730% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,399 |
| Loan loss allowance to noncurrent loans | 252.2436% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 1,961 |
| Noncurrent loans to loans | 0.6147% | 1,521 |
| Net loans and leases to total assets | 46.4531% | 3,540 |
| Net loans and leases to deposits | 50.6374% | 3,677 |
| Net loans and leases to core deposits | 61.0419% | 3,059 |
| Total domestic deposits to total assets | 91.7367% | 681 |
| Equity capital to assets | 7.9881% | 3,582 |
| Core capital (leverage) ratio | 8.5261% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9870% | 564 |
| Memoranda: | ||
| Average total assets | $217,960,000 | 2,981 |
| Average earning assets | $207,392,500 | 2,945 |
| Average equity | $17,469,000 | 3,363 |
| Average total loans | $95,124,500 | 3,260 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 2,054 |
| Cost of funding earning assets | 0.3079% | 2,324 |
| Net interest margin | 3.4121% | 1,987 |
| Noninterest income to average assets | 1.2890% | 639 |
| Noninterest expense to average assets | 2.5165% | 2,135 |
| Loan and lease loss provision to assets | 0.2164% | 474 |
| Net operating income to assets | 1.7799% | 531 |
| Return on assets (ROA) | 1.7799% | 555 |
| Pretax return on assets | 1.7799% | 956 |
| Return on Equity (ROE) | 21.1504% | 255 |
| Retained earnings to average equity (ytd only) | 9.5068% | 1,042 |
| Net charge-offs to loans | 0.0294% | 1,651 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 138.4000% | 714 |
| Efficiency ratio | 55.7639% | 3,727 |
| Assets per employee ($millions) | 4.7992% | 3,889 |
| Cash dividends to net income (ytd only)* | 55.0513% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 878 |
| Loan loss allowance to noncurrent loans | 265.4424% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 2,193 |
| Noncurrent loans to loans | 0.6751% | 1,480 |
| Net loans and leases to total assets | 39.4713% | 4,123 |
| Net loans and leases to deposits | 43.0317% | 4,223 |
| Net loans and leases to core deposits | 51.1761% | 3,955 |
| Total domestic deposits to total assets | 91.7260% | 262 |
| Equity capital to assets | 8.0407% | 4,339 |
| Core capital (leverage) ratio | 8.3258% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4221% | 471 |
| Memoranda: | ||
| Average total assets | $207,991,400 | 3,005 |
| Average earning assets | $196,504,000 | 2,986 |
| Average equity | $17,503,200 | 3,426 |
| Average total loans | $102,062,800 | 3,168 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 1,317 |
| Cost of funding earning assets | 0.3252% | 2,349 |
| Net interest margin | 3.7687% | 1,185 |
| Noninterest income to average assets | 1.6002% | 488 |
| Noninterest expense to average assets | 2.5149% | 2,077 |
| Loan and lease loss provision to assets | 0.2930% | 274 |
| Net operating income to assets | 2.3463% | 260 |
| Return on assets (ROA) | 2.3463% | 268 |
| Pretax return on assets | 2.3463% | 428 |
| Return on Equity (ROE) | 27.1171% | 124 |
| Retained earnings to average equity (ytd only) | 23.7162% | 66 |
| Net charge-offs to loans | 0.0392% | 1,306 |
| Credit loss provision to net charge-offs | 1,451.6129% | 413 |
| Earnings coverage of net charge-offs (x) | 130.7742% | 738 |
| Efficiency ratio | 48.7937% | 4,310 |
| Assets per employee ($millions) | 4.5847% | 4,057 |
| Cash dividends to net income (ytd only)* | 12.5416% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,575 |
| Loan loss allowance to noncurrent loans | 252.6232% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 2,171 |
| Noncurrent loans to loans | 0.5998% | 1,810 |
| Net loans and leases to total assets | 48.9677% | 3,531 |
| Net loans and leases to deposits | 54.2205% | 3,723 |
| Net loans and leases to core deposits | 65.2322% | 3,017 |
| Total domestic deposits to total assets | 90.3123% | 631 |
| Equity capital to assets | 9.2211% | 3,632 |
| Core capital (leverage) ratio | 9.4267% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9452% | 540 |
| Memoranda: | ||
| Average total assets | $204,798,500 | 3,064 |
| Average earning assets | $193,131,000 | 3,045 |
| Average equity | $17,720,250 | 3,452 |
| Average total loans | $105,396,500 | 3,175 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 869 |
| Cost of funding earning assets | 0.3401% | 2,403 |
| Net interest margin | 4.0421% | 764 |
| Noninterest income to average assets | 0.4162% | 3,026 |
| Noninterest expense to average assets | 2.5132% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7242% | 838 |
| Return on assets (ROA) | 1.7242% | 886 |
| Pretax return on assets | 1.7242% | 1,424 |
| Return on Equity (ROE) | 20.3912% | 423 |
| Retained earnings to average equity (ytd only) | 16.8799% | 277 |
| Net charge-offs to loans | 0.0568% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 58.2667% | 983 |
| Efficiency ratio | 59.3110% | 3,113 |
| Assets per employee ($millions) | 4.3888% | 4,193 |
| Cash dividends to net income (ytd only)* | 17.2197% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,903 |
| Loan loss allowance to noncurrent loans | 189.0547% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 2,310 |
| Noncurrent loans to loans | 0.5163% | 2,127 |
| Net loans and leases to total assets | 57.2880% | 2,751 |
| Net loans and leases to deposits | 63.0913% | 3,094 |
| Net loans and leases to core deposits | 76.6499% | 2,176 |
| Total domestic deposits to total assets | 90.8018% | 438 |
| Equity capital to assets | 8.8054% | 3,970 |
| Core capital (leverage) ratio | 8.6802% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6641% | 863 |
| Memoranda: | ||
| Average total assets | $202,766,000 | 3,078 |
| Average earning assets | $191,681,000 | 3,053 |
| Average equity | $17,144,667 | 3,497 |
| Average total loans | $105,575,333 | 3,186 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 710 |
| Cost of funding earning assets | 0.3602% | 2,441 |
| Net interest margin | 4.2017% | 595 |
| Noninterest income to average assets | 0.4567% | 2,799 |
| Noninterest expense to average assets | 2.5432% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8858% | 683 |
| Return on assets (ROA) | 1.8858% | 732 |
| Pretax return on assets | 1.8858% | 1,140 |
| Return on Equity (ROE) | 22.7709% | 347 |
| Retained earnings to average equity (ytd only) | 19.2055% | 306 |
| Net charge-offs to loans | 0.0320% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 119.7500% | 549 |
| Efficiency ratio | 57.4222% | 3,378 |
| Assets per employee ($millions) | 4.3199% | 4,257 |
| Cash dividends to net income (ytd only)* | 15.6576% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,453 |
| Loan loss allowance to noncurrent loans | 675.5814% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,632 |
| Noncurrent loans to loans | 0.1623% | 3,523 |
| Net loans and leases to total assets | 51.6172% | 3,483 |
| Net loans and leases to deposits | 56.5976% | 3,750 |
| Net loans and leases to core deposits | 68.2261% | 3,042 |
| Total domestic deposits to total assets | 91.2004% | 331 |
| Equity capital to assets | 8.4799% | 4,134 |
| Core capital (leverage) ratio | 8.6501% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2584% | 761 |
| Memoranda: | ||
| Average total assets | $203,205,500 | 3,059 |
| Average earning assets | $192,112,500 | 3,039 |
| Average equity | $16,828,500 | 3,526 |
| Average total loans | $99,964,500 | 3,262 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 1,804 |
| Cost of funding earning assets | 0.6391% | 2,064 |
| Net interest margin | 3.6813% | 1,867 |
| Noninterest income to average assets | 0.5183% | 2,554 |
| Noninterest expense to average assets | 2.7478% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2181% | 1,489 |
| Return on assets (ROA) | 1.2181% | 1,606 |
| Pretax return on assets | 1.2181% | 2,268 |
| Return on Equity (ROE) | 13.6421% | 898 |
| Retained earnings to average equity (ytd only) | -2.1762% | 4,718 |
| Net charge-offs to loans | 0.0599% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 35.9206% | 1,469 |
| Efficiency ratio | 69.2861% | 2,049 |
| Assets per employee ($millions) | 4.3272% | 4,090 |
| Cash dividends to net income (ytd only)* | 115.9523% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,716 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,497 |
| Noncurrent loans to loans | 0.2873% | 3,169 |
| Net loans and leases to total assets | 45.6278% | 4,150 |
| Net loans and leases to deposits | 49.7939% | 4,323 |
| Net loans and leases to core deposits | 59.4837% | 3,976 |
| Total domestic deposits to total assets | 91.6333% | 112 |
| Equity capital to assets | 8.0835% | 4,670 |
| Core capital (leverage) ratio | 8.4218% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6831% | 813 |
| Memoranda: | ||
| Average total assets | $185,784,600 | 3,055 |
| Average earning assets | $173,987,600 | 3,036 |
| Average equity | $16,588,400 | 3,495 |
| Average total loans | $105,087,600 | 3,162 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 1,088 |
| Cost of funding earning assets | 0.7064% | 1,991 |
| Net interest margin | 3.9846% | 1,147 |
| Noninterest income to average assets | 0.4065% | 3,049 |
| Noninterest expense to average assets | 2.7521% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3775% | 1,161 |
| Return on assets (ROA) | 1.3775% | 1,249 |
| Pretax return on assets | 1.3775% | 1,801 |
| Return on Equity (ROE) | 15.0287% | 686 |
| Retained earnings to average equity (ytd only) | 0.9864% | 4,264 |
| Net charge-offs to loans | 0.0816% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 28.3939% | 1,636 |
| Efficiency ratio | 66.6429% | 2,378 |
| Assets per employee ($millions) | 3.8791% | 4,419 |
| Cash dividends to net income (ytd only)* | 93.4365% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,386 |
| Loan loss allowance to noncurrent loans | 711.5854% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 2,902 |
| Noncurrent loans to loans | 0.1497% | 3,784 |
| Net loans and leases to total assets | 58.2019% | 3,397 |
| Net loans and leases to deposits | 64.5015% | 3,757 |
| Net loans and leases to core deposits | 78.6154% | 2,955 |
| Total domestic deposits to total assets | 90.2334% | 353 |
| Equity capital to assets | 9.1146% | 4,025 |
| Core capital (leverage) ratio | 9.1122% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8711% | 932 |
| Memoranda: | ||
| Average total assets | $181,386,250 | 3,078 |
| Average earning assets | $169,482,500 | 3,063 |
| Average equity | $16,625,500 | 3,490 |
| Average total loans | $107,867,750 | 3,131 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 1,053 |
| Cost of funding earning assets | 0.7627% | 2,035 |
| Net interest margin | 4.0882% | 1,142 |
| Noninterest income to average assets | 0.4060% | 3,042 |
| Noninterest expense to average assets | 2.8100% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4184% | 1,075 |
| Return on assets (ROA) | 1.4184% | 1,163 |
| Pretax return on assets | 1.4184% | 1,685 |
| Return on Equity (ROE) | 15.4449% | 641 |
| Retained earnings to average equity (ytd only) | -3.9369% | 4,723 |
| Net charge-offs to loans | 0.0037% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 637.5000% | 160 |
| Efficiency ratio | 66.4562% | 2,451 |
| Assets per employee ($millions) | 3.7477% | 4,513 |
| Cash dividends to net income (ytd only)* | 125.4902% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,268 |
| Loan loss allowance to noncurrent loans | 217.1076% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,960 |
| Noncurrent loans to loans | 0.4897% | 2,684 |
| Net loans and leases to total assets | 62.3843% | 3,082 |
| Net loans and leases to deposits | 69.0237% | 3,492 |
| Net loans and leases to core deposits | 85.0899% | 2,515 |
| Total domestic deposits to total assets | 90.3810% | 301 |
| Equity capital to assets | 9.0282% | 4,069 |
| Core capital (leverage) ratio | 9.0010% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7919% | 1,087 |
| Memoranda: | ||
| Average total assets | $179,783,333 | 3,078 |
| Average earning assets | $168,094,333 | 3,062 |
| Average equity | $16,510,333 | 3,501 |
| Average total loans | $107,311,667 | 3,134 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 776 |
| Cost of funding earning assets | 0.8219% | 2,267 |
| Net interest margin | 4.2877% | 777 |
| Noninterest income to average assets | 0.4408% | 2,842 |
| Noninterest expense to average assets | 2.8990% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5428% | 707 |
| Return on assets (ROA) | 1.5428% | 777 |
| Pretax return on assets | 1.5428% | 1,201 |
| Return on Equity (ROE) | 16.6545% | 370 |
| Retained earnings to average equity (ytd only) | -18.5482% | 4,943 |
| Net charge-offs to loans | -0.0310% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2658% | 3,051 |
| Assets per employee ($millions) | 3.6033% | 4,383 |
| Cash dividends to net income (ytd only)* | 211.3703% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,706 |
| Loan loss allowance to noncurrent loans | 148.8010% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,493 |
| Noncurrent loans to loans | 0.8017% | 2,009 |
| Net loans and leases to total assets | 58.2161% | 3,655 |
| Net loans and leases to deposits | 64.4764% | 3,953 |
| Net loans and leases to core deposits | 80.5749% | 3,148 |
| Total domestic deposits to total assets | 90.2906% | 240 |
| Equity capital to assets | 9.1674% | 4,492 |
| Core capital (leverage) ratio | 9.1417% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1085% | 1,131 |
| Memoranda: | ||
| Average total assets | $177,857,000 | 3,060 |
| Average earning assets | $165,963,500 | 3,053 |
| Average equity | $16,476,000 | 3,513 |
| Average total loans | $103,072,000 | 3,182 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 783 |
| Cost of funding earning assets | 0.8517% | 2,421 |
| Net interest margin | 4.4724% | 759 |
| Noninterest income to average assets | 0.7477% | 1,637 |
| Noninterest expense to average assets | 3.1795% | 1,569 |
| Loan and lease loss provision to assets | 0.1807% | 1,146 |
| Net operating income to assets | 1.5402% | 962 |
| Return on assets (ROA) | 1.5402% | 1,021 |
| Pretax return on assets | 1.5402% | 1,683 |
| Return on Equity (ROE) | 16.0505% | 531 |
| Retained earnings to average equity (ytd only) | 8.0161% | 972 |
| Net charge-offs to loans | 0.1342% | 1,438 |
| Credit loss provision to net charge-offs | 212.3288% | 1,251 |
| Earnings coverage of net charge-offs (x) | 20.2260% | 1,948 |
| Efficiency ratio | 64.8829% | 2,951 |
| Assets per employee ($millions) | 3.7324% | 4,228 |
| Cash dividends to net income (ytd only)* | 50.0568% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,395 |
| Loan loss allowance to noncurrent loans | 204.4776% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 2,944 |
| Noncurrent loans to loans | 0.5905% | 2,411 |
| Net loans and leases to total assets | 56.3111% | 3,903 |
| Net loans and leases to deposits | 62.4392% | 4,171 |
| Net loans and leases to core deposits | 76.6955% | 3,535 |
| Total domestic deposits to total assets | 90.1855% | 263 |
| Equity capital to assets | 9.3585% | 4,457 |
| Core capital (leverage) ratio | 9.6003% | 3,960 |
| Tier 1 risk-based capital ratio | 17.2646% | 1,975 |
| Total risk-based capital ratio | 18.5150% | 1,918 |
| Memoranda: | ||
| Average total assets | $171,602,000 | 3,097 |
| Average earning assets | $159,333,400 | 3,085 |
| Average equity | $16,466,800 | 3,501 |
| Average total loans | $108,813,400 | 3,106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4986% | 586 |
| Cost of funding earning assets | 0.8487% | 2,474 |
| Net interest margin | 4.6499% | 550 |
| Noninterest income to average assets | 0.6638% | 1,933 |
| Noninterest expense to average assets | 3.1480% | 1,585 |
| Loan and lease loss provision to assets | 0.0196% | 3,513 |
| Net operating income to assets | 1.8132% | 595 |
| Return on assets (ROA) | 1.8132% | 630 |
| Pretax return on assets | 1.8132% | 1,052 |
| Return on Equity (ROE) | 18.7729% | 334 |
| Retained earnings to average equity (ytd only) | 15.1046% | 142 |
| Net charge-offs to loans | 0.1255% | 1,258 |
| Credit loss provision to net charge-offs | 24.0385% | 2,944 |
| Earnings coverage of net charge-offs (x) | 22.4332% | 1,871 |
| Efficiency ratio | 63.2019% | 3,126 |
| Assets per employee ($millions) | 3.5933% | 4,402 |
| Cash dividends to net income (ytd only)* | 19.5408% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 4,136 |
| Loan loss allowance to noncurrent loans | 109.8779% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 2,349 |
| Noncurrent loans to loans | 0.7967% | 1,981 |
| Net loans and leases to total assets | 64.9986% | 3,178 |
| Net loans and leases to deposits | 74.3524% | 3,446 |
| Net loans and leases to core deposits | 92.5074% | 2,319 |
| Total domestic deposits to total assets | 87.4197% | 1,299 |
| Equity capital to assets | 10.0379% | 3,982 |
| Core capital (leverage) ratio | 10.1031% | 3,530 |
| Tier 1 risk-based capital ratio | 16.6188% | 2,218 |
| Total risk-based capital ratio | 17.5730% | 2,260 |
| Memoranda: | ||
| Average total assets | $169,714,250 | 3,149 |
| Average earning assets | $157,562,750 | 3,138 |
| Average equity | $16,392,000 | 3,532 |
| Average total loans | $110,487,750 | 3,114 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4796% | 588 |
| Cost of funding earning assets | 0.8177% | 2,562 |
| Net interest margin | 4.6619% | 534 |
| Noninterest income to average assets | 0.7560% | 1,496 |
| Noninterest expense to average assets | 3.1648% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9148% | 460 |
| Return on assets (ROA) | 1.9148% | 482 |
| Pretax return on assets | 1.9148% | 809 |
| Return on Equity (ROE) | 20.0933% | 253 |
| Retained earnings to average equity (ytd only) | 16.3506% | 122 |
| Net charge-offs to loans | 0.1387% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 21.2632% | 1,736 |
| Efficiency ratio | 62.3046% | 3,382 |
| Assets per employee ($millions) | 3.3857% | 4,624 |
| Cash dividends to net income (ytd only)* | 18.6262% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 4,319 |
| Loan loss allowance to noncurrent loans | 61.3721% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 1,409 |
| Noncurrent loans to loans | 1.3610% | 1,141 |
| Net loans and leases to total assets | 69.6384% | 2,584 |
| Net loans and leases to deposits | 79.4490% | 3,010 |
| Net loans and leases to core deposits | 97.8689% | 1,895 |
| Total domestic deposits to total assets | 87.6517% | 1,267 |
| Equity capital to assets | 9.9116% | 4,049 |
| Core capital (leverage) ratio | 9.8433% | 3,769 |
| Tier 1 risk-based capital ratio | 15.5831% | 2,593 |
| Total risk-based capital ratio | 16.5096% | 2,666 |
| Memoranda: | ||
| Average total assets | $168,793,670 | 3,169 |
| Average earning assets | $156,545,670 | 3,163 |
| Average equity | $16,085,000 | 3,567 |
| Average total loans | $109,618,000 | 3,142 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 654 |
| Cost of funding earning assets | 0.7776% | 2,647 |
| Net interest margin | 4.6090% | 600 |
| Noninterest income to average assets | 1.0656% | 706 |
| Noninterest expense to average assets | 3.1730% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1549% | 292 |
| Return on assets (ROA) | 2.1549% | 305 |
| Pretax return on assets | 2.1549% | 482 |
| Return on Equity (ROE) | 23.0779% | 143 |
| Retained earnings to average equity (ytd only) | 19.2655% | 119 |
| Net charge-offs to loans | 0.0572% | 1,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 60.5333% | 911 |
| Efficiency ratio | 59.5546% | 3,873 |
| Assets per employee ($millions) | 3.4418% | 4,613 |
| Cash dividends to net income (ytd only)* | 16.5198% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,802 |
| Loan loss allowance to noncurrent loans | 88.2008% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 1,891 |
| Noncurrent loans to loans | 1.1167% | 1,496 |
| Net loans and leases to total assets | 62.8252% | 3,421 |
| Net loans and leases to deposits | 72.2762% | 3,582 |
| Net loans and leases to core deposits | 87.4821% | 2,743 |
| Total domestic deposits to total assets | 86.9237% | 1,854 |
| Equity capital to assets | 9.5743% | 4,189 |
| Core capital (leverage) ratio | 9.6501% | 3,973 |
| Tier 1 risk-based capital ratio | 16.1232% | 2,381 |
| Total risk-based capital ratio | 17.1758% | 2,406 |
| Memoranda: | ||
| Average total assets | $168,547,500 | 3,205 |
| Average earning assets | $155,870,000 | 3,205 |
| Average equity | $15,738,000 | 3,609 |
| Average total loans | $104,986,500 | 3,238 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 979 |
| Cost of funding earning assets | 0.6807% | 2,208 |
| Net interest margin | 4.3513% | 1,032 |
| Noninterest income to average assets | 1.0102% | 927 |
| Noninterest expense to average assets | 3.1536% | 1,663 |
| Loan and lease loss provision to assets | 0.0829% | 2,473 |
| Net operating income to assets | 1.8055% | 544 |
| Return on assets (ROA) | 1.8055% | 538 |
| Pretax return on assets | 1.8055% | 902 |
| Return on Equity (ROE) | 17.9518% | 392 |
| Retained earnings to average equity (ytd only) | 8.5057% | 1,043 |
| Net charge-offs to loans | 0.0399% | 2,602 |
| Credit loss provision to net charge-offs | 313.9535% | 995 |
| Earnings coverage of net charge-offs (x) | 71.5116% | 924 |
| Efficiency ratio | 62.5457% | 3,425 |
| Assets per employee ($millions) | 3.5093% | 4,539 |
| Cash dividends to net income (ytd only)* | 52.6190% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,453 |
| Loan loss allowance to noncurrent loans | 341.5335% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 3,736 |
| Noncurrent loans to loans | 0.3040% | 3,462 |
| Net loans and leases to total assets | 60.4918% | 3,714 |
| Net loans and leases to deposits | 69.1622% | 3,888 |
| Net loans and leases to core deposits | 82.1199% | 3,253 |
| Total domestic deposits to total assets | 87.4636% | 1,558 |
| Equity capital to assets | 9.1002% | 4,487 |
| Core capital (leverage) ratio | 9.3743% | 4,269 |
| Tier 1 risk-based capital ratio | 15.8254% | 2,486 |
| Total risk-based capital ratio | 16.9248% | 2,472 |
| Memoranda: | ||
| Average total assets | $162,832,000 | 3,241 |
| Average earning assets | $150,875,600 | 3,235 |
| Average equity | $16,377,200 | 3,476 |
| Average total loans | $107,657,000 | 3,177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 819 |
| Cost of funding earning assets | 0.6500% | 2,152 |
| Net interest margin | 4.4118% | 878 |
| Noninterest income to average assets | 0.7161% | 1,806 |
| Noninterest expense to average assets | 3.1262% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6824% | 777 |
| Return on assets (ROA) | 1.6824% | 777 |
| Pretax return on assets | 1.6824% | 1,318 |
| Return on Equity (ROE) | 16.3224% | 643 |
| Retained earnings to average equity (ytd only) | 12.7246% | 391 |
| Net charge-offs to loans | 0.0466% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 53.6004% | 1,127 |
| Efficiency ratio | 65.0120% | 3,032 |
| Assets per employee ($millions) | 3.3528% | 4,724 |
| Cash dividends to net income (ytd only)* | 22.0422% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,366 |
| Loan loss allowance to noncurrent loans | 185.5731% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 3,296 |
| Noncurrent loans to loans | 0.4706% | 2,977 |
| Net loans and leases to total assets | 64.8749% | 3,319 |
| Net loans and leases to deposits | 78.0407% | 3,232 |
| Net loans and leases to core deposits | 93.7512% | 2,311 |
| Total domestic deposits to total assets | 83.1295% | 3,255 |
| Equity capital to assets | 10.6350% | 3,010 |
| Core capital (leverage) ratio | 10.9572% | 2,622 |
| Tier 1 risk-based capital ratio | 17.7969% | 1,843 |
| Total risk-based capital ratio | 18.7474% | 1,891 |
| Memoranda: | ||
| Average total assets | $161,428,500 | 3,284 |
| Average earning assets | $149,746,750 | 3,275 |
| Average equity | $16,639,250 | 3,461 |
| Average total loans | $108,830,000 | 3,178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 742 |
| Cost of funding earning assets | 0.6223% | 2,089 |
| Net interest margin | 4.4204% | 812 |
| Noninterest income to average assets | 0.5334% | 2,669 |
| Noninterest expense to average assets | 3.0958% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5367% | 1,060 |
| Return on assets (ROA) | 1.5367% | 1,066 |
| Pretax return on assets | 1.5367% | 1,689 |
| Return on Equity (ROE) | 15.0718% | 832 |
| Retained earnings to average equity (ytd only) | 11.4047% | 602 |
| Net charge-offs to loans | 0.0201% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 112.0909% | 641 |
| Efficiency ratio | 66.8281% | 2,850 |
| Assets per employee ($millions) | 3.2384% | 4,892 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,519 |
| Loan loss allowance to noncurrent loans | 254.2105% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,641 |
| Noncurrent loans to loans | 0.3380% | 3,488 |
| Net loans and leases to total assets | 71.7036% | 2,325 |
| Net loans and leases to deposits | 83.9806% | 2,540 |
| Net loans and leases to core deposits | 100.7175% | 1,676 |
| Total domestic deposits to total assets | 85.3812% | 2,534 |
| Equity capital to assets | 10.8206% | 2,817 |
| Core capital (leverage) ratio | 10.7376% | 2,764 |
| Tier 1 risk-based capital ratio | 16.7019% | 2,193 |
| Total risk-based capital ratio | 17.6551% | 2,239 |
| Memoranda: | ||
| Average total assets | $160,475,670 | 3,318 |
| Average earning assets | $148,811,670 | 3,306 |
| Average equity | $16,361,670 | 3,519 |
| Average total loans | $109,266,670 | 3,183 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 683 |
| Cost of funding earning assets | 0.6066% | 2,013 |
| Net interest margin | 4.4054% | 763 |
| Noninterest income to average assets | 0.5276% | 2,645 |
| Noninterest expense to average assets | 3.0824% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5265% | 1,017 |
| Return on assets (ROA) | 1.5265% | 1,021 |
| Pretax return on assets | 1.5265% | 1,607 |
| Return on Equity (ROE) | 15.4223% | 724 |
| Retained earnings to average equity (ytd only) | 11.7279% | 732 |
| Net charge-offs to loans | 0.0111% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 207.3333% | 329 |
| Efficiency ratio | 66.8797% | 3,021 |
| Assets per employee ($millions) | 3.4008% | 4,794 |
| Cash dividends to net income (ytd only)* | 23.9550% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,514 |
| Loan loss allowance to noncurrent loans | 108.7054% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 2,475 |
| Noncurrent loans to loans | 0.8132% | 2,188 |
| Net loans and leases to total assets | 69.8057% | 2,517 |
| Net loans and leases to deposits | 81.2503% | 2,661 |
| Net loans and leases to core deposits | 97.4887% | 1,868 |
| Total domestic deposits to total assets | 85.9145% | 2,579 |
| Equity capital to assets | 10.4509% | 3,124 |
| Core capital (leverage) ratio | 10.2147% | 3,285 |
| Tier 1 risk-based capital ratio | 15.9366% | 2,507 |
| Total risk-based capital ratio | 16.8793% | 2,561 |
| Memoranda: | ||
| Average total assets | $162,991,500 | 3,325 |
| Average earning assets | $150,997,000 | 3,315 |
| Average equity | $16,132,500 | 3,569 |
| Average total loans | $107,687,500 | 3,236 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 1,078 |
| Cost of funding earning assets | 0.5256% | 2,135 |
| Net interest margin | 4.2232% | 1,139 |
| Noninterest income to average assets | 0.5312% | 2,816 |
| Noninterest expense to average assets | 2.9301% | 2,351 |
| Loan and lease loss provision to assets | 0.0520% | 3,189 |
| Net operating income to assets | 1.4494% | 909 |
| Return on assets (ROA) | 1.4494% | 923 |
| Pretax return on assets | 1.4494% | 1,817 |
| Return on Equity (ROE) | 14.7853% | 640 |
| Retained earnings to average equity (ytd only) | 3.9224% | 2,849 |
| Net charge-offs to loans | 0.0323% | 3,145 |
| Credit loss provision to net charge-offs | 236.1111% | 1,176 |
| Earnings coverage of net charge-offs (x) | 68.2222% | 871 |
| Efficiency ratio | 66.1195% | 3,248 |
| Assets per employee ($millions) | 3.5322% | 4,660 |
| Cash dividends to net income (ytd only)* | 73.4711% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,324 |
| Loan loss allowance to noncurrent loans | 374.3295% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,186 |
| Noncurrent loans to loans | 0.2481% | 3,902 |
| Net loans and leases to total assets | 61.4712% | 3,682 |
| Net loans and leases to deposits | 74.4124% | 3,488 |
| Net loans and leases to core deposits | 87.0490% | 2,817 |
| Total domestic deposits to total assets | 82.6088% | 3,693 |
| Equity capital to assets | 9.3874% | 4,345 |
| Core capital (leverage) ratio | 9.5102% | 4,040 |
| Tier 1 risk-based capital ratio | 15.6753% | 2,558 |
| Total risk-based capital ratio | 16.6329% | 2,606 |
| Memoranda: | ||
| Average total assets | $163,579,400 | 3,304 |
| Average earning assets | $151,070,800 | 3,310 |
| Average equity | $16,036,200 | 3,587 |
| Average total loans | $111,520,400 | 3,154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 893 |
| Cost of funding earning assets | 0.4968% | 2,293 |
| Net interest margin | 4.3223% | 873 |
| Noninterest income to average assets | 0.5166% | 2,928 |
| Noninterest expense to average assets | 2.9703% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5399% | 814 |
| Return on assets (ROA) | 1.5399% | 843 |
| Pretax return on assets | 1.5399% | 1,622 |
| Return on Equity (ROE) | 15.5353% | 587 |
| Retained earnings to average equity (ytd only) | 11.8092% | 312 |
| Net charge-offs to loans | 0.0024% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 934.8090% | 107 |
| Efficiency ratio | 65.8581% | 3,236 |
| Assets per employee ($millions) | 3.3829% | 4,876 |
| Cash dividends to net income (ytd only)* | 23.9850% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,909 |
| Loan loss allowance to noncurrent loans | 128.9694% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 3,119 |
| Noncurrent loans to loans | 0.6164% | 2,864 |
| Net loans and leases to total assets | 69.7116% | 2,604 |
| Net loans and leases to deposits | 89.0358% | 1,919 |
| Net loans and leases to core deposits | 105.3123% | 1,317 |
| Total domestic deposits to total assets | 78.2961% | 4,673 |
| Equity capital to assets | 10.1337% | 3,762 |
| Core capital (leverage) ratio | 10.1393% | 3,394 |
| Tier 1 risk-based capital ratio | 15.2135% | 2,831 |
| Total risk-based capital ratio | 16.0527% | 2,945 |
| Memoranda: | ||
| Average total assets | $162,087,750 | 3,352 |
| Average earning assets | $149,762,750 | 3,355 |
| Average equity | $16,066,250 | 3,620 |
| Average total loans | $113,100,750 | 3,173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,079 |
| Cost of funding earning assets | 0.4473% | 2,627 |
| Net interest margin | 4.2418% | 992 |
| Noninterest income to average assets | 0.5259% | 2,854 |
| Noninterest expense to average assets | 2.9578% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5181% | 834 |
| Return on assets (ROA) | 1.5181% | 856 |
| Pretax return on assets | 1.5181% | 1,574 |
| Return on Equity (ROE) | 15.4339% | 606 |
| Retained earnings to average equity (ytd only) | 11.6418% | 356 |
| Net charge-offs to loans | 0.0232% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 93.9231% | 684 |
| Efficiency ratio | 66.0833% | 3,337 |
| Assets per employee ($millions) | 3.4945% | 4,728 |
| Cash dividends to net income (ytd only)* | 24.5700% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 5,025 |
| Loan loss allowance to noncurrent loans | 76.2500% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 2,319 |
| Noncurrent loans to loans | 1.0065% | 1,948 |
| Net loans and leases to total assets | 70.5332% | 2,437 |
| Net loans and leases to deposits | 89.1863% | 1,840 |
| Net loans and leases to core deposits | 104.7770% | 1,306 |
| Total domestic deposits to total assets | 79.0852% | 4,604 |
| Equity capital to assets | 9.7193% | 4,209 |
| Core capital (leverage) ratio | 10.0915% | 3,417 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,145 |
| Total risk-based capital ratio | 15.3520% | 3,286 |
| Memoranda: | ||
| Average total assets | $160,862,670 | 3,387 |
| Average earning assets | $149,795,670 | 3,373 |
| Average equity | $15,822,330 | 3,658 |
| Average total loans | $111,973,670 | 3,194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 814 |
| Cost of funding earning assets | 0.4370% | 2,646 |
| Net interest margin | 4.3237% | 741 |
| Noninterest income to average assets | 0.5336% | 2,747 |
| Noninterest expense to average assets | 3.0008% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5550% | 743 |
| Return on assets (ROA) | 1.5550% | 764 |
| Pretax return on assets | 1.5550% | 1,363 |
| Return on Equity (ROE) | 15.7104% | 565 |
| Retained earnings to average equity (ytd only) | 11.8598% | 485 |
| Net charge-offs to loans | 0.0222% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 523 |
| Efficiency ratio | 65.8673% | 3,521 |
| Assets per employee ($millions) | 3.2720% | 5,073 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 4,969 |
| Loan loss allowance to noncurrent loans | 53.6671% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 1,564 |
| Noncurrent loans to loans | 1.5551% | 1,263 |
| Net loans and leases to total assets | 69.7551% | 2,429 |
| Net loans and leases to deposits | 80.8066% | 2,639 |
| Net loans and leases to core deposits | 94.5100% | 1,937 |
| Total domestic deposits to total assets | 86.3235% | 2,524 |
| Equity capital to assets | 10.0778% | 3,661 |
| Core capital (leverage) ratio | 10.1261% | 3,341 |
| Tier 1 risk-based capital ratio | 15.0593% | 2,939 |
| Total risk-based capital ratio | 15.9367% | 3,048 |
| Memoranda: | ||
| Average total assets | $157,425,000 | 3,459 |
| Average earning assets | $146,450,000 | 3,444 |
| Average equity | $15,582,000 | 3,711 |
| Average total loans | $108,347,500 | 3,271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 1,039 |
| Cost of funding earning assets | 0.4388% | 2,619 |
| Net interest margin | 4.2766% | 968 |
| Noninterest income to average assets | 0.5203% | 3,098 |
| Noninterest expense to average assets | 2.9779% | 2,416 |
| Loan and lease loss provision to assets | 2.4743% | 29 |
| Net operating income to assets | -0.9562% | 5,834 |
| Return on assets (ROA) | -0.9562% | 5,836 |
| Pretax return on assets | -0.9562% | 5,830 |
| Return on Equity (ROE) | -10.7922% | 5,838 |
| Retained earnings to average equity (ytd only) | -11.4439% | 5,799 |
| Net charge-offs to loans | 3.4584% | 32 |
| Credit loss provision to net charge-offs | 100.3273% | 2,553 |
| Earnings coverage of net charge-offs (x) | 0.6156% | 4,088 |
| Efficiency ratio | 66.2339% | 3,560 |
| Assets per employee ($millions) | 3.2202% | 5,130 |
| Cash dividends to net income (ytd only)* | -6.0390% | 5,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 4,886 |
| Loan loss allowance to noncurrent loans | 343.7037% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 4,477 |
| Noncurrent loans to loans | 0.2542% | 4,242 |
| Net loans and leases to total assets | 66.7265% | 2,970 |
| Net loans and leases to deposits | 76.2920% | 3,289 |
| Net loans and leases to core deposits | 89.3795% | 2,560 |
| Total domestic deposits to total assets | 87.4620% | 1,898 |
| Equity capital to assets | 9.7191% | 4,044 |
| Core capital (leverage) ratio | 9.2634% | 4,389 |
| Tier 1 risk-based capital ratio | 14.5616% | 3,172 |
| Total risk-based capital ratio | 15.4428% | 3,280 |
| Memoranda: | ||
| Average total assets | $161,054,000 | 3,384 |
| Average earning assets | $149,721,000 | 3,374 |
| Average equity | $14,269,600 | 3,911 |
| Average total loans | $114,851,600 | 3,144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 908 |
| Cost of funding earning assets | 0.4227% | 2,810 |
| Net interest margin | 4.3723% | 814 |
| Noninterest income to average assets | 0.5230% | 3,093 |
| Noninterest expense to average assets | 2.9480% | 2,468 |
| Loan and lease loss provision to assets | 3.2000% | 18 |
| Net operating income to assets | -1.5609% | 5,931 |
| Return on assets (ROA) | -1.5609% | 5,931 |
| Pretax return on assets | -1.5609% | 5,929 |
| Return on Equity (ROE) | -18.0433% | 5,937 |
| Retained earnings to average equity (ytd only) | -18.0433% | 5,904 |
| Net charge-offs to loans | 4.5123% | 16 |
| Credit loss provision to net charge-offs | 98.1061% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.5025% | 3,782 |
| Efficiency ratio | 64.2665% | 3,889 |
| Assets per employee ($millions) | 3.4497% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 5,379 |
| Loan loss allowance to noncurrent loans | 325.5814% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,665 |
| Noncurrent loans to loans | 0.2219% | 4,475 |
| Net loans and leases to total assets | 69.7088% | 2,534 |
| Net loans and leases to deposits | 88.3504% | 1,972 |
| Net loans and leases to core deposits | 101.8791% | 1,495 |
| Total domestic deposits to total assets | 78.9004% | 4,744 |
| Equity capital to assets | 9.1850% | 4,991 |
| Core capital (leverage) ratio | 9.2519% | 4,527 |
| Tier 1 risk-based capital ratio | 13.2749% | 3,991 |
| Total risk-based capital ratio | 14.0132% | 4,214 |
| Memoranda: | ||
| Average total assets | $161,869,500 | 3,395 |
| Average earning assets | $150,458,500 | 3,379 |
| Average equity | $14,003,000 | 3,972 |
| Average total loans | $117,010,250 | 3,116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 828 |
| Cost of funding earning assets | 0.4105% | 2,931 |
| Net interest margin | 4.4204% | 728 |
| Noninterest income to average assets | 0.4694% | 3,411 |
| Noninterest expense to average assets | 2.9459% | 2,533 |
| Loan and lease loss provision to assets | 5.1671% | 5 |
| Net operating income to assets | -3.5410% | 6,040 |
| Return on assets (ROA) | -3.5410% | 6,040 |
| Pretax return on assets | -3.5410% | 6,039 |
| Return on Equity (ROE) | -41.8205% | 6,042 |
| Retained earnings to average equity (ytd only) | -41.8205% | 6,029 |
| Net charge-offs to loans | 7.1739% | 5 |
| Credit loss provision to net charge-offs | 98.6686% | 2,143 |
| Earnings coverage of net charge-offs (x) | 0.3105% | 3,531 |
| Efficiency ratio | 64.4336% | 3,944 |
| Assets per employee ($millions) | 3.4556% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 5,497 |
| Loan loss allowance to noncurrent loans | 312.3636% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 4,826 |
| Noncurrent loans to loans | 0.2273% | 4,527 |
| Net loans and leases to total assets | 73.9791% | 1,845 |
| Net loans and leases to deposits | 93.4787% | 1,344 |
| Net loans and leases to core deposits | 107.2748% | 1,071 |
| Total domestic deposits to total assets | 79.1401% | 4,742 |
| Equity capital to assets | 8.8035% | 5,402 |
| Core capital (leverage) ratio | 8.7583% | 5,100 |
| Tier 1 risk-based capital ratio | 12.1247% | 4,756 |
| Total risk-based capital ratio | 12.8605% | 4,983 |
| Memoranda: | ||
| Average total assets | $160,630,670 | 3,426 |
| Average earning assets | $149,082,000 | 3,416 |
| Average equity | $13,601,000 | 4,057 |
| Average total loans | $117,257,670 | 3,124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 677 |
| Cost of funding earning assets | 0.4015% | 3,048 |
| Net interest margin | 4.5140% | 590 |
| Noninterest income to average assets | 0.4607% | 3,412 |
| Noninterest expense to average assets | 2.9523% | 2,537 |
| Loan and lease loss provision to assets | 10.3919% | 1 |
| Net operating income to assets | -8.6891% | 6,121 |
| Return on assets (ROA) | -8.6891% | 6,121 |
| Pretax return on assets | -8.6891% | 6,120 |
| Return on Equity (ROE) | -104.7350% | 6,117 |
| Retained earnings to average equity (ytd only) | -104.7350% | 6,107 |
| Net charge-offs to loans | 14.4529% | 2 |
| Credit loss provision to net charge-offs | 99.5443% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.1631% | 2,958 |
| Efficiency ratio | 63.4212% | 4,230 |
| Assets per employee ($millions) | 3.4278% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 5,418 |
| Loan loss allowance to noncurrent loans | 204.5662% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 4,447 |
| Noncurrent loans to loans | 0.3819% | 4,073 |
| Net loans and leases to total assets | 72.1762% | 2,008 |
| Net loans and leases to deposits | 86.4505% | 2,020 |
| Net loans and leases to core deposits | 99.1048% | 1,555 |
| Total domestic deposits to total assets | 83.4885% | 3,714 |
| Equity capital to assets | 8.6372% | 5,468 |
| Core capital (leverage) ratio | 8.4847% | 5,400 |
| Tier 1 risk-based capital ratio | 12.0734% | 4,869 |
| Total risk-based capital ratio | 12.8731% | 5,064 |
| Memoranda: | ||
| Average total assets | $159,740,000 | 3,455 |
| Average earning assets | $148,425,500 | 3,442 |
| Average equity | $13,252,500 | 4,123 |
| Average total loans | $115,381,500 | 3,151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 948 |
| Cost of funding earning assets | 0.3529% | 3,673 |
| Net interest margin | 4.4317% | 745 |
| Noninterest income to average assets | 0.5426% | 3,058 |
| Noninterest expense to average assets | 3.0013% | 2,537 |
| Loan and lease loss provision to assets | 0.0749% | 2,771 |
| Net operating income to assets | 1.5908% | 718 |
| Return on assets (ROA) | 1.5908% | 740 |
| Pretax return on assets | 1.5908% | 1,272 |
| Return on Equity (ROE) | 19.1188% | 295 |
| Retained earnings to average equity (ytd only) | 2.5362% | 4,262 |
| Net charge-offs to loans | 0.0428% | 3,364 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 55.5833% | 931 |
| Efficiency ratio | 64.3077% | 4,197 |
| Assets per employee ($millions) | 3.4426% | 4,918 |
| Cash dividends to net income (ytd only)* | 86.7347% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 5,442 |
| Loan loss allowance to noncurrent loans | 284.1615% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,796 |
| Noncurrent loans to loans | 0.2774% | 4,463 |
| Net loans and leases to total assets | 71.1648% | 2,176 |
| Net loans and leases to deposits | 81.8787% | 2,600 |
| Net loans and leases to core deposits | 95.1565% | 1,927 |
| Total domestic deposits to total assets | 86.9149% | 2,184 |
| Equity capital to assets | 7.9641% | 5,863 |
| Core capital (leverage) ratio | 7.9334% | 5,869 |
| Tier 1 risk-based capital ratio | 11.1485% | 5,444 |
| Total risk-based capital ratio | 11.9425% | 5,596 |
| Memoranda: | ||
| Average total assets | $160,166,000 | 3,431 |
| Average earning assets | $149,062,000 | 3,420 |
| Average equity | $13,327,200 | 4,072 |
| Average total loans | $112,043,200 | 3,166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 843 |
| Cost of funding earning assets | 0.3433% | 3,827 |
| Net interest margin | 4.5133% | 631 |
| Noninterest income to average assets | 0.5684% | 2,927 |
| Noninterest expense to average assets | 2.9260% | 2,759 |
| Loan and lease loss provision to assets | 0.0167% | 3,940 |
| Net operating income to assets | 1.8277% | 488 |
| Return on assets (ROA) | 1.8277% | 510 |
| Pretax return on assets | 1.8277% | 844 |
| Return on Equity (ROE) | 21.7297% | 199 |
| Retained earnings to average equity (ytd only) | 17.2647% | 98 |
| Net charge-offs to loans | 0.0432% | 3,029 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 61.3873% | 905 |
| Efficiency ratio | 61.3366% | 4,669 |
| Assets per employee ($millions) | 3.4722% | 4,846 |
| Cash dividends to net income (ytd only)* | 20.5481% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 5,687 |
| Loan loss allowance to noncurrent loans | 114.5429% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 4,013 |
| Noncurrent loans to loans | 0.6278% | 3,435 |
| Net loans and leases to total assets | 69.9591% | 2,390 |
| Net loans and leases to deposits | 87.0476% | 2,019 |
| Net loans and leases to core deposits | 100.9363% | 1,444 |
| Total domestic deposits to total assets | 80.3688% | 4,648 |
| Equity capital to assets | 8.7840% | 5,503 |
| Core capital (leverage) ratio | 8.7618% | 5,285 |
| Tier 1 risk-based capital ratio | 12.5165% | 4,744 |
| Total risk-based capital ratio | 13.2428% | 5,005 |
| Memoranda: | ||
| Average total assets | $159,757,000 | 3,463 |
| Average earning assets | $148,742,250 | 3,452 |
| Average equity | $13,437,500 | 4,102 |
| Average total loans | $111,038,750 | 3,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 807 |
| Cost of funding earning assets | 0.3354% | 3,978 |
| Net interest margin | 4.5120% | 626 |
| Noninterest income to average assets | 0.5813% | 2,843 |
| Noninterest expense to average assets | 2.9544% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8334% | 479 |
| Return on assets (ROA) | 1.8334% | 505 |
| Pretax return on assets | 1.8334% | 843 |
| Return on Equity (ROE) | 22.1337% | 194 |
| Retained earnings to average equity (ytd only) | 17.5669% | 115 |
| Net charge-offs to loans | 0.0456% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 58.1600% | 855 |
| Efficiency ratio | 61.7066% | 4,724 |
| Assets per employee ($millions) | 3.4677% | 4,857 |
| Cash dividends to net income (ytd only)* | 20.6327% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 5,857 |
| Loan loss allowance to noncurrent loans | 107.3491% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 4,063 |
| Noncurrent loans to loans | 0.6336% | 3,574 |
| Net loans and leases to total assets | 73.2906% | 1,772 |
| Net loans and leases to deposits | 90.6427% | 1,519 |
| Net loans and leases to core deposits | 104.6825% | 1,150 |
| Total domestic deposits to total assets | 80.8565% | 4,650 |
| Equity capital to assets | 8.4010% | 5,760 |
| Core capital (leverage) ratio | 8.4109% | 5,624 |
| Tier 1 risk-based capital ratio | 11.5450% | 5,435 |
| Total risk-based capital ratio | 12.2362% | 5,634 |
| Memoranda: | ||
| Average total assets | $158,611,330 | 3,508 |
| Average earning assets | $147,871,670 | 3,491 |
| Average equity | $13,138,330 | 4,179 |
| Average total loans | $109,719,670 | 3,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 637 |
| Cost of funding earning assets | 0.3183% | 4,242 |
| Net interest margin | 4.6214% | 480 |
| Noninterest income to average assets | 0.6009% | 2,647 |
| Noninterest expense to average assets | 2.9765% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9306% | 386 |
| Return on assets (ROA) | 1.9306% | 406 |
| Pretax return on assets | 1.9306% | 676 |
| Return on Equity (ROE) | 23.4809% | 142 |
| Retained earnings to average equity (ytd only) | 18.8158% | 123 |
| Net charge-offs to loans | 0.0460% | 2,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 62.9167% | 709 |
| Efficiency ratio | 60.6566% | 5,011 |
| Assets per employee ($millions) | 3.5682% | 4,784 |
| Cash dividends to net income (ytd only)* | 19.8675% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 5,814 |
| Loan loss allowance to noncurrent loans | 99.5210% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,994 |
| Noncurrent loans to loans | 0.7500% | 3,387 |
| Net loans and leases to total assets | 67.3184% | 2,557 |
| Net loans and leases to deposits | 82.6990% | 2,248 |
| Net loans and leases to core deposits | 94.4571% | 1,728 |
| Total domestic deposits to total assets | 81.4016% | 4,703 |
| Equity capital to assets | 8.0469% | 6,011 |
| Core capital (leverage) ratio | 8.3191% | 5,707 |
| Tier 1 risk-based capital ratio | 11.9228% | 5,288 |
| Total risk-based capital ratio | 12.6783% | 5,505 |
| Memoranda: | ||
| Average total assets | $156,427,000 | 3,556 |
| Average earning assets | $145,756,000 | 3,539 |
| Average equity | $12,861,500 | 4,263 |
| Average total loans | $104,446,000 | 3,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 1,066 |
| Cost of funding earning assets | 0.2929% | 4,863 |
| Net interest margin | 4.5297% | 707 |
| Noninterest income to average assets | 0.6158% | 2,764 |
| Noninterest expense to average assets | 3.1170% | 2,464 |
| Loan and lease loss provision to assets | 0.0676% | 3,137 |
| Net operating income to assets | 1.6332% | 663 |
| Return on assets (ROA) | 1.6332% | 689 |
| Pretax return on assets | 1.6332% | 1,142 |
| Return on Equity (ROE) | 19.0374% | 314 |
| Retained earnings to average equity (ytd only) | 4.6648% | 2,844 |
| Net charge-offs to loans | 0.0411% | 4,002 |
| Credit loss provision to net charge-offs | 243.9024% | 1,044 |
| Earnings coverage of net charge-offs (x) | 61.3659% | 777 |
| Efficiency ratio | 64.6976% | 4,457 |
| Assets per employee ($millions) | 3.3799% | 5,110 |
| Cash dividends to net income (ytd only)* | 75.4967% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 5,589 |
| Loan loss allowance to noncurrent loans | 137.0732% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 4,446 |
| Noncurrent loans to loans | 0.6303% | 3,800 |
| Net loans and leases to total assets | 65.0387% | 3,040 |
| Net loans and leases to deposits | 71.1979% | 3,767 |
| Net loans and leases to core deposits | 80.8511% | 3,207 |
| Total domestic deposits to total assets | 91.3493% | 261 |
| Equity capital to assets | 8.4154% | 5,816 |
| Core capital (leverage) ratio | 8.3612% | 5,711 |
| Tier 1 risk-based capital ratio | 12.8760% | 4,806 |
| Total risk-based capital ratio | 13.7436% | 4,961 |
| Memoranda: | ||
| Average total assets | $147,932,800 | 3,664 |
| Average earning assets | $137,226,600 | 3,639 |
| Average equity | $12,690,800 | 4,244 |
| Average total loans | $99,686,600 | 3,429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 863 |
| Cost of funding earning assets | 0.2821% | 5,074 |
| Net interest margin | 4.6548% | 558 |
| Noninterest income to average assets | 0.6164% | 2,768 |
| Noninterest expense to average assets | 3.0811% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8546% | 459 |
| Return on assets (ROA) | 1.8546% | 473 |
| Pretax return on assets | 1.8546% | 793 |
| Return on Equity (ROE) | 21.5154% | 209 |
| Retained earnings to average equity (ytd only) | 16.7831% | 146 |
| Net charge-offs to loans | 0.0399% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 68.4983% | 789 |
| Efficiency ratio | 62.4246% | 4,824 |
| Assets per employee ($millions) | 3.1996% | 5,434 |
| Cash dividends to net income (ytd only)* | 21.9951% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 6,068 |
| Loan loss allowance to noncurrent loans | 215.4286% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 5,285 |
| Noncurrent loans to loans | 0.3329% | 4,905 |
| Net loans and leases to total assets | 69.4026% | 2,287 |
| Net loans and leases to deposits | 81.6410% | 2,470 |
| Net loans and leases to core deposits | 93.9136% | 1,875 |
| Total domestic deposits to total assets | 85.0095% | 3,333 |
| Equity capital to assets | 9.0077% | 5,343 |
| Core capital (leverage) ratio | 9.1418% | 4,865 |
| Tier 1 risk-based capital ratio | 13.0419% | 4,841 |
| Total risk-based capital ratio | 13.7692% | 5,095 |
| Memoranda: | ||
| Average total assets | $147,737,000 | 3,698 |
| Average earning assets | $137,088,250 | 3,674 |
| Average equity | $12,734,750 | 4,268 |
| Average total loans | $100,216,750 | 3,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 903 |
| Cost of funding earning assets | 0.2727% | 5,260 |
| Net interest margin | 4.6322% | 551 |
| Noninterest income to average assets | 0.6197% | 2,714 |
| Noninterest expense to average assets | 3.0411% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8808% | 425 |
| Return on assets (ROA) | 1.8808% | 439 |
| Pretax return on assets | 1.8808% | 717 |
| Return on Equity (ROE) | 22.1592% | 195 |
| Retained earnings to average equity (ytd only) | 17.3295% | 136 |
| Net charge-offs to loans | 0.0264% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 106.2308% | 535 |
| Efficiency ratio | 61.7875% | 5,041 |
| Assets per employee ($millions) | 3.1887% | 5,444 |
| Cash dividends to net income (ytd only)* | 21.7958% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 6,133 |
| Loan loss allowance to noncurrent loans | 161.2971% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 5,076 |
| Noncurrent loans to loans | 0.4497% | 4,638 |
| Net loans and leases to total assets | 71.9373% | 1,759 |
| Net loans and leases to deposits | 84.4781% | 1,983 |
| Net loans and leases to core deposits | 96.0023% | 1,599 |
| Total domestic deposits to total assets | 85.1550% | 3,434 |
| Equity capital to assets | 8.8770% | 5,430 |
| Core capital (leverage) ratio | 8.6924% | 5,404 |
| Tier 1 risk-based capital ratio | 12.5496% | 5,195 |
| Total risk-based capital ratio | 13.2939% | 5,451 |
| Memoranda: | ||
| Average total assets | $146,855,330 | 3,732 |
| Average earning assets | $136,393,670 | 3,705 |
| Average equity | $12,464,330 | 4,321 |
| Average total loans | $98,581,330 | 3,483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 776 |
| Cost of funding earning assets | 0.2664% | 5,428 |
| Net interest margin | 4.6960% | 474 |
| Noninterest income to average assets | 0.6560% | 2,426 |
| Noninterest expense to average assets | 2.9672% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0552% | 305 |
| Return on assets (ROA) | 2.0552% | 316 |
| Pretax return on assets | 2.0552% | 470 |
| Return on Equity (ROE) | 24.7825% | 125 |
| Retained earnings to average equity (ytd only) | 19.8589% | 125 |
| Net charge-offs to loans | 0.0633% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 749 |
| Efficiency ratio | 59.0786% | 5,530 |
| Assets per employee ($millions) | 3.1971% | 5,526 |
| Cash dividends to net income (ytd only)* | 19.8675% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 6,162 |
| Loan loss allowance to noncurrent loans | 209.5368% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 5,455 |
| Noncurrent loans to loans | 0.3659% | 5,028 |
| Net loans and leases to total assets | 66.2458% | 2,529 |
| Net loans and leases to deposits | 77.0564% | 2,674 |
| Net loans and leases to core deposits | 86.7946% | 2,225 |
| Total domestic deposits to total assets | 85.9706% | 3,381 |
| Equity capital to assets | 8.3148% | 5,813 |
| Core capital (leverage) ratio | 8.8243% | 5,238 |
| Tier 1 risk-based capital ratio | 12.7394% | 5,169 |
| Total risk-based capital ratio | 13.5217% | 5,396 |
| Memoranda: | ||
| Average total assets | $146,942,000 | 3,752 |
| Average earning assets | $136,625,500 | 3,720 |
| Average equity | $12,186,000 | 4,391 |
| Average total loans | $94,727,000 | 3,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 1,278 |
| Cost of funding earning assets | 0.3152% | 5,470 |
| Net interest margin | 4.5009% | 736 |
| Noninterest income to average assets | 0.7533% | 2,275 |
| Noninterest expense to average assets | 3.1497% | 2,592 |
| Loan and lease loss provision to assets | 0.1770% | 2,089 |
| Net operating income to assets | 1.5816% | 717 |
| Return on assets (ROA) | 1.5816% | 739 |
| Pretax return on assets | 1.5816% | 1,218 |
| Return on Equity (ROE) | 18.2469% | 389 |
| Retained earnings to average equity (ytd only) | 3.3896% | 3,816 |
| Net charge-offs to loans | 0.0988% | 3,856 |
| Credit loss provision to net charge-offs | 280.8989% | 806 |
| Earnings coverage of net charge-offs (x) | 27.9101% | 1,253 |
| Efficiency ratio | 64.1714% | 4,861 |
| Assets per employee ($millions) | 3.1222% | 5,633 |
| Cash dividends to net income (ytd only)* | 81.4235% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 5,983 |
| Loan loss allowance to noncurrent loans | 351.5695% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 5,847 |
| Noncurrent loans to loans | 0.2502% | 5,434 |
| Net loans and leases to total assets | 61.5216% | 3,436 |
| Net loans and leases to deposits | 67.2942% | 4,148 |
| Net loans and leases to core deposits | 75.1657% | 3,705 |
| Total domestic deposits to total assets | 91.4219% | 430 |
| Equity capital to assets | 8.2704% | 5,802 |
| Core capital (leverage) ratio | 8.3095% | 5,862 |
| Tier 1 risk-based capital ratio | 13.4540% | 4,681 |
| Total risk-based capital ratio | 14.3389% | 4,872 |
| Memoranda: | ||
| Average total assets | $141,250,000 | 3,854 |
| Average earning assets | $130,395,000 | 3,838 |
| Average equity | $12,243,200 | 4,403 |
| Average total loans | $90,119,600 | 3,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 1,030 |
| Cost of funding earning assets | 0.3309% | 5,465 |
| Net interest margin | 4.6187% | 594 |
| Noninterest income to average assets | 0.7868% | 2,218 |
| Noninterest expense to average assets | 3.1632% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8844% | 450 |
| Return on assets (ROA) | 1.8844% | 456 |
| Pretax return on assets | 1.8844% | 729 |
| Return on Equity (ROE) | 21.4893% | 226 |
| Retained earnings to average equity (ytd only) | 16.6466% | 141 |
| Net charge-offs to loans | 0.1180% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.8509% | 1,407 |
| Efficiency ratio | 62.6667% | 5,035 |
| Assets per employee ($millions) | 3.0684% | 5,735 |
| Cash dividends to net income (ytd only)* | 22.5353% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 6,602 |
| Loan loss allowance to noncurrent loans | 264.8780% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 6,008 |
| Noncurrent loans to loans | 0.2138% | 5,703 |
| Net loans and leases to total assets | 67.5423% | 2,362 |
| Net loans and leases to deposits | 74.7665% | 3,121 |
| Net loans and leases to core deposits | 82.7021% | 2,807 |
| Total domestic deposits to total assets | 90.3377% | 826 |
| Equity capital to assets | 9.1876% | 4,955 |
| Core capital (leverage) ratio | 9.4166% | 4,514 |
| Tier 1 risk-based capital ratio | 13.8878% | 4,509 |
| Total risk-based capital ratio | 14.4660% | 4,916 |
| Memoranda: | ||
| Average total assets | $140,657,250 | 3,904 |
| Average earning assets | $129,760,000 | 3,888 |
| Average equity | $12,334,500 | 4,429 |
| Average total loans | $90,364,000 | 3,705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,281 |
| Cost of funding earning assets | 0.3518% | 5,389 |
| Net interest margin | 4.4716% | 750 |
| Noninterest income to average assets | 0.8598% | 1,968 |
| Noninterest expense to average assets | 3.0564% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9289% | 400 |
| Return on assets (ROA) | 1.9289% | 433 |
| Pretax return on assets | 1.9289% | 700 |
| Return on Equity (ROE) | 22.3536% | 191 |
| Retained earnings to average equity (ytd only) | 17.4375% | 140 |
| Net charge-offs to loans | 0.1310% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 23.3621% | 1,332 |
| Efficiency ratio | 61.3078% | 5,279 |
| Assets per employee ($millions) | 2.9560% | 5,920 |
| Cash dividends to net income (ytd only)* | 21.9926% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 6,645 |
| Loan loss allowance to noncurrent loans | 94.9580% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 5,209 |
| Noncurrent loans to loans | 0.6007% | 4,752 |
| Net loans and leases to total assets | 70.8832% | 1,736 |
| Net loans and leases to deposits | 78.0803% | 2,564 |
| Net loans and leases to core deposits | 87.6974% | 2,141 |
| Total domestic deposits to total assets | 90.7824% | 629 |
| Equity capital to assets | 8.9218% | 5,299 |
| Core capital (leverage) ratio | 8.9868% | 5,014 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,960 |
| Total risk-based capital ratio | 13.8451% | 5,374 |
| Memoranda: | ||
| Average total assets | $140,494,000 | 3,938 |
| Average earning assets | $129,618,330 | 3,913 |
| Average equity | $12,123,330 | 4,506 |
| Average total loans | $88,526,330 | 3,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,421 |
| Cost of funding earning assets | 0.3872% | 5,224 |
| Net interest margin | 4.3571% | 870 |
| Noninterest income to average assets | 1.0589% | 1,330 |
| Noninterest expense to average assets | 3.0295% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0442% | 319 |
| Return on assets (ROA) | 2.0442% | 349 |
| Pretax return on assets | 2.0442% | 552 |
| Return on Equity (ROE) | 24.0918% | 140 |
| Retained earnings to average equity (ytd only) | 19.1533% | 163 |
| Net charge-offs to loans | 0.1922% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.0500% | 1,281 |
| Efficiency ratio | 59.7098% | 5,629 |
| Assets per employee ($millions) | 3.0212% | 5,951 |
| Cash dividends to net income (ytd only)* | 20.4986% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 6,646 |
| Loan loss allowance to noncurrent loans | 165.6250% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 5,794 |
| Noncurrent loans to loans | 0.3953% | 5,429 |
| Net loans and leases to total assets | 63.6508% | 2,781 |
| Net loans and leases to deposits | 69.9571% | 3,489 |
| Net loans and leases to core deposits | 78.2060% | 3,034 |
| Total domestic deposits to total assets | 90.9854% | 528 |
| Equity capital to assets | 8.8247% | 5,693 |
| Core capital (leverage) ratio | 8.7111% | 5,314 |
| Tier 1 risk-based capital ratio | 14.0840% | 4,443 |
| Total risk-based capital ratio | 14.7638% | 4,822 |
| Memoranda: | ||
| Average total assets | $141,276,000 | 3,959 |
| Average earning assets | $130,178,500 | 3,935 |
| Average equity | $11,987,500 | 4,579 |
| Average total loans | $83,268,000 | 3,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 3,593 |
| Cost of funding earning assets | 0.5385% | 4,923 |
| Net interest margin | 3.9168% | 2,756 |
| Noninterest income to average assets | 0.5935% | 3,316 |
| Noninterest expense to average assets | 3.1000% | 2,920 |
| Loan and lease loss provision to assets | 0.0447% | 5,287 |
| Net operating income to assets | 1.0713% | 2,048 |
| Return on assets (ROA) | 1.0713% | 2,235 |
| Pretax return on assets | 1.0713% | 3,271 |
| Return on Equity (ROE) | 12.1970% | 1,449 |
| Retained earnings to average equity (ytd only) | 1.8249% | 4,936 |
| Net charge-offs to loans | 0.0446% | 5,289 |
| Credit loss provision to net charge-offs | 181.8182% | 1,447 |
| Earnings coverage of net charge-offs (x) | 45.3636% | 724 |
| Efficiency ratio | 73.5279% | 3,150 |
| Assets per employee ($millions) | 3.1906% | 5,645 |
| Cash dividends to net income (ytd only)* | 85.0383% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 6,482 |
| Loan loss allowance to noncurrent loans | 179.0230% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 5,943 |
| Noncurrent loans to loans | 0.4491% | 5,384 |
| Net loans and leases to total assets | 53.5402% | 4,681 |
| Net loans and leases to deposits | 58.3779% | 5,197 |
| Net loans and leases to core deposits | 64.6875% | 4,878 |
| Total domestic deposits to total assets | 91.7132% | 299 |
| Equity capital to assets | 8.1565% | 6,316 |
| Core capital (leverage) ratio | 8.0537% | 6,141 |
| Tier 1 risk-based capital ratio | 15.1235% | 3,658 |
| Total risk-based capital ratio | 15.9425% | 3,858 |
| Memoranda: | ||
| Average total assets | $134,130,000 | 4,060 |
| Average earning assets | $124,054,800 | 4,018 |
| Average equity | $11,781,600 | 4,617 |
| Average total loans | $74,002,000 | 4,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 3,182 |
| Cost of funding earning assets | 0.5630% | 4,976 |
| Net interest margin | 4.0418% | 2,329 |
| Noninterest income to average assets | 0.6051% | 3,241 |
| Noninterest expense to average assets | 3.1276% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2183% | 1,675 |
| Return on assets (ROA) | 1.2183% | 1,850 |
| Pretax return on assets | 1.2183% | 2,924 |
| Return on Equity (ROE) | 13.6050% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.4692% | 1,868 |
| Net charge-offs to loans | 0.0784% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.0009% | 1,160 |
| Efficiency ratio | 71.9674% | 3,338 |
| Assets per employee ($millions) | 3.0805% | 5,895 |
| Cash dividends to net income (ytd only)* | 45.0996% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 6,699 |
| Loan loss allowance to noncurrent loans | 95.3448% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 5,642 |
| Noncurrent loans to loans | 0.7766% | 4,856 |
| Net loans and leases to total assets | 53.4774% | 4,825 |
| Net loans and leases to deposits | 58.8859% | 5,329 |
| Net loans and leases to core deposits | 65.3727% | 5,018 |
| Total domestic deposits to total assets | 90.8154% | 463 |
| Equity capital to assets | 8.7936% | 6,022 |
| Core capital (leverage) ratio | 8.9889% | 5,086 |
| Tier 1 risk-based capital ratio | 16.2840% | 3,119 |
| Total risk-based capital ratio | 17.0375% | 3,349 |
| Memoranda: | ||
| Average total assets | $131,768,000 | 4,140 |
| Average earning assets | $121,954,500 | 4,104 |
| Average equity | $11,799,250 | 4,655 |
| Average total loans | $73,128,750 | 4,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 3,163 |
| Cost of funding earning assets | 0.5700% | 5,151 |
| Net interest margin | 4.0731% | 2,195 |
| Noninterest income to average assets | 0.6348% | 3,036 |
| Noninterest expense to average assets | 3.2329% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1770% | 1,794 |
| Return on assets (ROA) | 1.1770% | 1,996 |
| Pretax return on assets | 1.1770% | 3,026 |
| Return on Equity (ROE) | 13.0602% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.3244% | 2,490 |
| Net charge-offs to loans | -0.0055% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3100% | 3,189 |
| Assets per employee ($millions) | 2.6403% | 6,614 |
| Cash dividends to net income (ytd only)* | 51.5748% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,772 |
| Loan loss allowance to noncurrent loans | 194.1558% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,175 |
| Noncurrent loans to loans | 0.3832% | 5,770 |
| Net loans and leases to total assets | 61.6647% | 3,500 |
| Net loans and leases to deposits | 68.1525% | 4,170 |
| Net loans and leases to core deposits | 75.8250% | 3,782 |
| Total domestic deposits to total assets | 90.4805% | 675 |
| Equity capital to assets | 9.1887% | 5,474 |
| Core capital (leverage) ratio | 9.0072% | 4,907 |
| Tier 1 risk-based capital ratio | 15.5481% | 3,411 |
| Total risk-based capital ratio | 16.3457% | 3,672 |
| Memoranda: | ||
| Average total assets | $129,483,000 | 4,221 |
| Average earning assets | $120,006,000 | 4,173 |
| Average equity | $11,669,000 | 4,683 |
| Average total loans | $72,610,000 | 4,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 3,068 |
| Cost of funding earning assets | 0.5700% | 5,364 |
| Net interest margin | 4.1265% | 2,003 |
| Noninterest income to average assets | 0.6793% | 2,762 |
| Noninterest expense to average assets | 3.2516% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2506% | 1,600 |
| Return on assets (ROA) | 1.2506% | 1,772 |
| Pretax return on assets | 1.2506% | 2,722 |
| Return on Equity (ROE) | 14.0144% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.6058% | 3,197 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 3,397 |
| Assets per employee ($millions) | 2.6728% | 6,668 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,665 |
| Loan loss allowance to noncurrent loans | 144.3099% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 6,082 |
| Noncurrent loans to loans | 0.5815% | 5,504 |
| Net loans and leases to total assets | 54.8910% | 4,571 |
| Net loans and leases to deposits | 60.5118% | 5,094 |
| Net loans and leases to core deposits | 67.0044% | 4,799 |
| Total domestic deposits to total assets | 90.7113% | 683 |
| Equity capital to assets | 9.0595% | 5,408 |
| Core capital (leverage) ratio | 9.0133% | 4,821 |
| Tier 1 risk-based capital ratio | 17.0689% | 2,655 |
| Total risk-based capital ratio | 17.9574% | 2,763 |
| Memoranda: | ||
| Average total assets | $129,536,000 | 4,245 |
| Average earning assets | $120,003,500 | 4,197 |
| Average equity | $11,559,500 | 4,711 |
| Average total loans | $68,726,000 | 4,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 2,489 |
| Cost of funding earning assets | 0.6555% | 5,793 |
| Net interest margin | 4.4354% | 1,301 |
| Noninterest income to average assets | 0.7052% | 2,576 |
| Noninterest expense to average assets | 3.3547% | 2,354 |
| Loan and lease loss provision to assets | 0.0975% | 5,374 |
| Net operating income to assets | 1.3763% | 1,070 |
| Return on assets (ROA) | 1.3763% | 1,159 |
| Pretax return on assets | 1.3763% | 1,856 |
| Return on Equity (ROE) | 14.4821% | 831 |
| Retained earnings to average equity (ytd only) | 1.9150% | 4,843 |
| Net charge-offs to loans | 0.1731% | 4,761 |
| Credit loss provision to net charge-offs | 96.7742% | 3,720 |
| Earnings coverage of net charge-offs (x) | 14.6290% | 1,442 |
| Efficiency ratio | 69.4767% | 4,057 |
| Assets per employee ($millions) | 2.7245% | 6,571 |
| Cash dividends to net income (ytd only)* | 86.7769% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,540 |
| Loan loss allowance to noncurrent loans | 99.6656% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 5,825 |
| Noncurrent loans to loans | 0.9002% | 4,885 |
| Net loans and leases to total assets | 50.3433% | 5,543 |
| Net loans and leases to deposits | 55.3127% | 5,950 |
| Net loans and leases to core deposits | 60.4175% | 5,806 |
| Total domestic deposits to total assets | 91.0159% | 502 |
| Equity capital to assets | 8.7906% | 5,806 |
| Core capital (leverage) ratio | 8.8044% | 5,093 |
| Tier 1 risk-based capital ratio | 17.6516% | 2,317 |
| Total risk-based capital ratio | 18.5836% | 2,422 |
| Memoranda: | ||
| Average total assets | $123,081,000 | 4,317 |
| Average earning assets | $114,421,400 | 4,275 |
| Average equity | $11,697,200 | 4,617 |
| Average total loans | $71,645,800 | 4,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 1,821 |
| Cost of funding earning assets | 0.6663% | 5,955 |
| Net interest margin | 4.6427% | 865 |
| Noninterest income to average assets | 0.7472% | 2,330 |
| Noninterest expense to average assets | 3.3729% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6991% | 630 |
| Return on assets (ROA) | 1.6991% | 690 |
| Pretax return on assets | 1.6991% | 1,148 |
| Return on Equity (ROE) | 17.5239% | 508 |
| Retained earnings to average equity (ytd only) | 12.4278% | 448 |
| Net charge-offs to loans | 0.1078% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 26.1711% | 1,023 |
| Efficiency ratio | 66.5003% | 4,621 |
| Assets per employee ($millions) | 2.6141% | 6,763 |
| Cash dividends to net income (ytd only)* | 29.0802% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 6,924 |
| Loan loss allowance to noncurrent loans | 98.3636% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 5,970 |
| Noncurrent loans to loans | 0.7436% | 5,393 |
| Net loans and leases to total assets | 59.7605% | 4,171 |
| Net loans and leases to deposits | 66.8284% | 4,783 |
| Net loans and leases to core deposits | 73.4958% | 4,529 |
| Total domestic deposits to total assets | 89.4239% | 1,180 |
| Equity capital to assets | 10.0983% | 4,207 |
| Core capital (leverage) ratio | 10.3336% | 3,057 |
| Tier 1 risk-based capital ratio | 17.4313% | 2,476 |
| Total risk-based capital ratio | 18.2068% | 2,628 |
| Memoranda: | ||
| Average total assets | $121,157,250 | 4,387 |
| Average earning assets | $112,863,750 | 4,334 |
| Average equity | $11,747,500 | 4,632 |
| Average total loans | $72,949,000 | 4,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3265% | 1,795 |
| Cost of funding earning assets | 0.6758% | 6,097 |
| Net interest margin | 4.6507% | 816 |
| Noninterest income to average assets | 0.7878% | 2,081 |
| Noninterest expense to average assets | 3.3817% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7431% | 551 |
| Return on assets (ROA) | 1.7431% | 594 |
| Pretax return on assets | 1.7431% | 971 |
| Return on Equity (ROE) | 18.2344% | 447 |
| Retained earnings to average equity (ytd only) | 13.0295% | 387 |
| Net charge-offs to loans | 0.0441% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 65.6875% | 503 |
| Efficiency ratio | 65.9871% | 4,874 |
| Assets per employee ($millions) | 2.5967% | 6,795 |
| Cash dividends to net income (ytd only)* | 28.5442% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 6,954 |
| Loan loss allowance to noncurrent loans | 100.6897% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 5,952 |
| Noncurrent loans to loans | 0.7435% | 5,426 |
| Net loans and leases to total assets | 64.8209% | 3,292 |
| Net loans and leases to deposits | 75.2030% | 3,615 |
| Net loans and leases to core deposits | 83.7427% | 3,248 |
| Total domestic deposits to total assets | 86.1946% | 3,220 |
| Equity capital to assets | 10.0598% | 4,066 |
| Core capital (leverage) ratio | 9.6348% | 3,755 |
| Tier 1 risk-based capital ratio | 16.5404% | 2,720 |
| Total risk-based capital ratio | 17.3580% | 2,892 |
| Memoranda: | ||
| Average total assets | $120,589,000 | 4,437 |
| Average earning assets | $112,457,330 | 4,371 |
| Average equity | $11,527,670 | 4,679 |
| Average total loans | $72,610,670 | 4,485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 2,374 |
| Cost of funding earning assets | 0.6895% | 6,194 |
| Net interest margin | 4.4731% | 1,123 |
| Noninterest income to average assets | 0.8584% | 1,821 |
| Noninterest expense to average assets | 3.3443% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6903% | 582 |
| Return on assets (ROA) | 1.6903% | 618 |
| Pretax return on assets | 1.6903% | 1,005 |
| Return on Equity (ROE) | 18.1504% | 467 |
| Retained earnings to average equity (ytd only) | 12.8329% | 614 |
| Net charge-offs to loans | 0.0401% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 73.1429% | 424 |
| Efficiency ratio | 66.4262% | 4,958 |
| Assets per employee ($millions) | 2.6861% | 6,711 |
| Cash dividends to net income (ytd only)* | 29.2969% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 6,891 |
| Loan loss allowance to noncurrent loans | 89.7126% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 5,872 |
| Noncurrent loans to loans | 0.9046% | 5,237 |
| Net loans and leases to total assets | 59.9586% | 4,273 |
| Net loans and leases to deposits | 68.3443% | 4,629 |
| Net loans and leases to core deposits | 75.2721% | 4,385 |
| Total domestic deposits to total assets | 87.7303% | 2,535 |
| Equity capital to assets | 9.5024% | 4,432 |
| Core capital (leverage) ratio | 9.5440% | 3,741 |
| Tier 1 risk-based capital ratio | 15.7733% | 3,013 |
| Total risk-based capital ratio | 16.5919% | 3,202 |
| Memoranda: | ||
| Average total assets | $121,160,500 | 4,445 |
| Average earning assets | $113,121,000 | 4,374 |
| Average equity | $11,283,500 | 4,724 |
| Average total loans | $69,911,000 | 4,625 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 3,916 |
| Cost of funding earning assets | 0.7923% | 6,600 |
| Net interest margin | 4.3455% | 1,661 |
| Noninterest income to average assets | 0.7508% | 2,540 |
| Noninterest expense to average assets | 3.3581% | 2,561 |
| Loan and lease loss provision to assets | 0.0831% | 6,320 |
| Net operating income to assets | 1.3361% | 1,092 |
| Return on assets (ROA) | 1.3361% | 1,160 |
| Pretax return on assets | 1.3361% | 1,840 |
| Return on Equity (ROE) | 14.0970% | 863 |
| Retained earnings to average equity (ytd only) | 2.5264% | 4,103 |
| Net charge-offs to loans | 0.1214% | 5,675 |
| Credit loss provision to net charge-offs | 123.4568% | 3,360 |
| Earnings coverage of net charge-offs (x) | 21.0741% | 978 |
| Efficiency ratio | 70.2924% | 4,118 |
| Assets per employee ($millions) | 2.5301% | 6,965 |
| Cash dividends to net income (ytd only)* | 82.0784% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,729 |
| Loan loss allowance to noncurrent loans | 119.5219% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,235 |
| Noncurrent loans to loans | 0.7520% | 5,542 |
| Net loans and leases to total assets | 54.4719% | 5,572 |
| Net loans and leases to deposits | 60.1220% | 6,043 |
| Net loans and leases to core deposits | 66.1328% | 5,862 |
| Total domestic deposits to total assets | 90.6024% | 788 |
| Equity capital to assets | 9.1242% | 4,953 |
| Core capital (leverage) ratio | 9.1489% | 4,264 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,645 |
| Total risk-based capital ratio | 17.1127% | 2,772 |
| Memoranda: | ||
| Average total assets | $120,277,000 | 4,477 |
| Average earning assets | $111,449,000 | 4,433 |
| Average equity | $11,399,600 | 4,764 |
| Average total loans | $66,740,800 | 4,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 3,460 |
| Cost of funding earning assets | 0.8211% | 6,685 |
| Net interest margin | 4.4565% | 1,352 |
| Noninterest income to average assets | 0.7679% | 2,399 |
| Noninterest expense to average assets | 3.3559% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5313% | 866 |
| Return on assets (ROA) | 1.5313% | 944 |
| Pretax return on assets | 1.5313% | 1,527 |
| Return on Equity (ROE) | 16.0053% | 703 |
| Retained earnings to average equity (ytd only) | 10.7903% | 633 |
| Net charge-offs to loans | 0.0659% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 41.7566% | 660 |
| Efficiency ratio | 68.6676% | 4,342 |
| Assets per employee ($millions) | 2.4828% | 7,100 |
| Cash dividends to net income (ytd only)* | 32.5833% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 7,015 |
| Loan loss allowance to noncurrent loans | 74.7613% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 5,893 |
| Noncurrent loans to loans | 1.0652% | 5,112 |
| Net loans and leases to total assets | 57.2818% | 5,366 |
| Net loans and leases to deposits | 64.1347% | 5,901 |
| Net loans and leases to core deposits | 70.7160% | 5,679 |
| Total domestic deposits to total assets | 89.3148% | 1,222 |
| Equity capital to assets | 10.0945% | 4,028 |
| Core capital (leverage) ratio | 10.0085% | 3,248 |
| Tier 1 risk-based capital ratio | 17.5670% | 2,153 |
| Total risk-based capital ratio | 18.3830% | 2,258 |
| Memoranda: | ||
| Average total assets | $119,984,750 | 4,541 |
| Average earning assets | $110,905,750 | 4,513 |
| Average equity | $11,479,250 | 4,812 |
| Average total loans | $66,737,500 | 4,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 3,866 |
| Cost of funding earning assets | 0.8362% | 6,802 |
| Net interest margin | 4.3808% | 1,504 |
| Noninterest income to average assets | 0.8266% | 1,989 |
| Noninterest expense to average assets | 3.3346% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5351% | 837 |
| Return on assets (ROA) | 1.5351% | 897 |
| Pretax return on assets | 1.5351% | 1,462 |
| Return on Equity (ROE) | 16.3425% | 656 |
| Retained earnings to average equity (ytd only) | 11.0485% | 647 |
| Net charge-offs to loans | 0.0121% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 230.7500% | 144 |
| Efficiency ratio | 68.4768% | 4,483 |
| Assets per employee ($millions) | 2.4777% | 7,131 |
| Cash dividends to net income (ytd only)* | 32.3944% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 7,000 |
| Loan loss allowance to noncurrent loans | 113.8067% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 6,350 |
| Noncurrent loans to loans | 0.7162% | 5,822 |
| Net loans and leases to total assets | 60.2963% | 5,001 |
| Net loans and leases to deposits | 67.3480% | 5,634 |
| Net loans and leases to core deposits | 74.5445% | 5,384 |
| Total domestic deposits to total assets | 89.5294% | 1,160 |
| Equity capital to assets | 9.9845% | 4,045 |
| Core capital (leverage) ratio | 9.6534% | 3,603 |
| Tier 1 risk-based capital ratio | 17.4639% | 2,111 |
| Total risk-based capital ratio | 17.9578% | 2,345 |
| Memoranda: | ||
| Average total assets | $120,255,000 | 4,562 |
| Average earning assets | $110,984,330 | 4,538 |
| Average equity | $11,295,670 | 4,853 |
| Average total loans | $66,045,670 | 4,938 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 4,861 |
| Cost of funding earning assets | 0.8426% | 6,963 |
| Net interest margin | 4.1919% | 2,073 |
| Noninterest income to average assets | 0.8579% | 1,784 |
| Noninterest expense to average assets | 3.2679% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4506% | 982 |
| Return on assets (ROA) | 1.4506% | 1,055 |
| Pretax return on assets | 1.4506% | 1,636 |
| Return on Equity (ROE) | 15.9209% | 733 |
| Retained earnings to average equity (ytd only) | 10.5301% | 1,031 |
| Net charge-offs to loans | 0.1005% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 27.6875% | 923 |
| Efficiency ratio | 69.2575% | 4,459 |
| Assets per employee ($millions) | 2.4834% | 7,220 |
| Cash dividends to net income (ytd only)* | 33.8600% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,956 |
| Loan loss allowance to noncurrent loans | 180.5112% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,806 |
| Noncurrent loans to loans | 0.4767% | 6,345 |
| Net loans and leases to total assets | 54.6035% | 5,941 |
| Net loans and leases to deposits | 60.6252% | 6,397 |
| Net loans and leases to core deposits | 67.6102% | 6,136 |
| Total domestic deposits to total assets | 90.0674% | 954 |
| Equity capital to assets | 9.4444% | 4,623 |
| Core capital (leverage) ratio | 9.2353% | 4,168 |
| Tier 1 risk-based capital ratio | 17.3078% | 2,147 |
| Total risk-based capital ratio | 17.8039% | 2,378 |
| Memoranda: | ||
| Average total assets | $122,157,500 | 4,581 |
| Average earning assets | $112,503,000 | 4,554 |
| Average equity | $11,130,000 | 4,940 |
| Average total loans | $63,672,500 | 5,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 4,496 |
| Cost of funding earning assets | 0.9989% | 7,207 |
| Net interest margin | 4.4404% | 1,314 |
| Noninterest income to average assets | 0.9706% | 1,663 |
| Noninterest expense to average assets | 3.5379% | 2,298 |
| Loan and lease loss provision to assets | 0.1254% | 6,385 |
| Net operating income to assets | 1.4137% | 825 |
| Return on assets (ROA) | 1.4137% | 880 |
| Pretax return on assets | 1.4137% | 1,397 |
| Return on Equity (ROE) | 15.0373% | 663 |
| Retained earnings to average equity (ytd only) | 2.9079% | 3,139 |
| Net charge-offs to loans | 0.1446% | 5,792 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 20.4556% | 1,040 |
| Efficiency ratio | 69.6855% | 4,696 |
| Assets per employee ($millions) | 2.6065% | 7,029 |
| Cash dividends to net income (ytd only)* | 80.6623% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 6,670 |
| Loan loss allowance to noncurrent loans | 280.6763% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 7,057 |
| Noncurrent loans to loans | 0.3355% | 6,609 |
| Net loans and leases to total assets | 48.8442% | 6,743 |
| Net loans and leases to deposits | 53.7547% | 7,067 |
| Net loans and leases to core deposits | 68.2526% | 6,866 |
| Total domestic deposits to total assets | 90.8650% | 586 |
| Equity capital to assets | 8.7937% | 5,450 |
| Core capital (leverage) ratio | 8.9986% | 4,423 |
| Tier 1 risk-based capital ratio | 17.1225% | 2,124 |
| Total risk-based capital ratio | 17.6975% | 2,288 |
| Memoranda: | ||
| Average total assets | $119,618,200 | 4,576 |
| Average earning assets | $110,621,800 | 4,547 |
| Average equity | $11,245,400 | 4,962 |
| Average total loans | $62,231,800 | 5,163 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6150% | 3,775 |
| Cost of funding earning assets | 1.0352% | 7,314 |
| Net interest margin | 4.5798% | 1,022 |
| Noninterest income to average assets | 0.7848% | 2,514 |
| Noninterest expense to average assets | 3.4346% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5955% | 669 |
| Return on assets (ROA) | 1.5955% | 720 |
| Pretax return on assets | 1.5955% | 1,186 |
| Return on Equity (ROE) | 16.6865% | 580 |
| Retained earnings to average equity (ytd only) | 11.3680% | 430 |
| Net charge-offs to loans | 0.1796% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 16.8448% | 1,442 |
| Efficiency ratio | 68.2807% | 4,908 |
| Assets per employee ($millions) | 2.4786% | 7,262 |
| Cash dividends to net income (ytd only)* | 31.8729% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6707% | 7,443 |
| Loan loss allowance to noncurrent loans | 246.8927% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 7,149 |
| Noncurrent loans to loans | 0.2716% | 6,835 |
| Net loans and leases to total assets | 55.5578% | 6,189 |
| Net loans and leases to deposits | 62.2724% | 6,649 |
| Net loans and leases to core deposits | 79.9627% | 6,356 |
| Total domestic deposits to total assets | 89.2174% | 1,103 |
| Equity capital to assets | 10.0710% | 4,001 |
| Core capital (leverage) ratio | 9.8126% | 3,504 |
| Tier 1 risk-based capital ratio | 18.7285% | 1,808 |
| Total risk-based capital ratio | 18.8894% | 2,040 |
| Memoranda: | ||
| Average total assets | $118,244,750 | 4,643 |
| Average earning assets | $109,609,250 | 4,605 |
| Average equity | $11,306,250 | 4,980 |
| Average total loans | $62,367,000 | 5,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 3,991 |
| Cost of funding earning assets | 1.0528% | 7,459 |
| Net interest margin | 4.5632% | 1,029 |
| Noninterest income to average assets | 0.7810% | 2,512 |
| Noninterest expense to average assets | 3.4604% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5518% | 750 |
| Return on assets (ROA) | 1.5518% | 809 |
| Pretax return on assets | 1.5518% | 1,322 |
| Return on Equity (ROE) | 16.5169% | 643 |
| Retained earnings to average equity (ytd only) | 11.1247% | 542 |
| Net charge-offs to loans | 0.1921% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 15.6271% | 1,583 |
| Efficiency ratio | 69.0396% | 4,976 |
| Assets per employee ($millions) | 2.4761% | 7,295 |
| Cash dividends to net income (ytd only)* | 32.6464% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 7,446 |
| Loan loss allowance to noncurrent loans | 283.4356% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 6,941 |
| Noncurrent loans to loans | 0.2435% | 6,902 |
| Net loans and leases to total assets | 57.1237% | 6,074 |
| Net loans and leases to deposits | 63.7288% | 6,588 |
| Net loans and leases to core deposits | 82.0407% | 6,238 |
| Total domestic deposits to total assets | 89.6356% | 988 |
| Equity capital to assets | 9.7363% | 4,297 |
| Core capital (leverage) ratio | 9.4454% | 3,965 |
| Tier 1 risk-based capital ratio | 18.4477% | 1,888 |
| Total risk-based capital ratio | 18.7201% | 2,116 |
| Memoranda: | ||
| Average total assets | $118,828,670 | 4,666 |
| Average earning assets | $110,186,670 | 4,619 |
| Average equity | $11,164,330 | 5,038 |
| Average total loans | $61,436,670 | 5,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 4,547 |
| Cost of funding earning assets | 1.0847% | 7,538 |
| Net interest margin | 4.4795% | 1,176 |
| Noninterest income to average assets | 0.7597% | 2,546 |
| Noninterest expense to average assets | 3.2752% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6259% | 753 |
| Return on assets (ROA) | 1.6259% | 823 |
| Pretax return on assets | 1.6259% | 1,345 |
| Return on Equity (ROE) | 17.6157% | 623 |
| Retained earnings to average equity (ytd only) | 12.2011% | 753 |
| Net charge-offs to loans | 0.3067% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.8444% | 1,913 |
| Efficiency ratio | 66.8253% | 5,174 |
| Assets per employee ($millions) | 2.4557% | 7,367 |
| Cash dividends to net income (ytd only)* | 30.7377% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 7,174 |
| Loan loss allowance to noncurrent loans | 147.8261% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 6,449 |
| Noncurrent loans to loans | 0.5379% | 6,068 |
| Net loans and leases to total assets | 50.3779% | 6,828 |
| Net loans and leases to deposits | 55.9367% | 7,165 |
| Net loans and leases to core deposits | 72.3733% | 6,894 |
| Total domestic deposits to total assets | 90.0624% | 773 |
| Equity capital to assets | 9.4380% | 4,761 |
| Core capital (leverage) ratio | 9.1588% | 4,466 |
| Tier 1 risk-based capital ratio | 18.4779% | 1,940 |
| Total risk-based capital ratio | 18.8393% | 2,100 |
| Memoranda: | ||
| Average total assets | $120,053,500 | 4,653 |
| Average earning assets | $110,994,500 | 4,608 |
| Average equity | $11,081,000 | 5,086 |
| Average total loans | $58,684,000 | 5,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4361% | 3,246 |
| Cost of funding earning assets | 1.5646% | 7,512 |
| Net interest margin | 4.8715% | 668 |
| Noninterest income to average assets | 0.8103% | 2,459 |
| Noninterest expense to average assets | 3.4109% | 2,641 |
| Loan and lease loss provision to assets | 0.2164% | 4,719 |
| Net operating income to assets | 1.6466% | 757 |
| Return on assets (ROA) | 1.6466% | 725 |
| Pretax return on assets | 1.6466% | 1,270 |
| Return on Equity (ROE) | 17.3335% | 592 |
| Retained earnings to average equity (ytd only) | 3.9552% | 2,667 |
| Net charge-offs to loans | 0.1890% | 4,294 |
| Credit loss provision to net charge-offs | 231.4815% | 2,059 |
| Earnings coverage of net charge-offs (x) | 19.9259% | 1,600 |
| Efficiency ratio | 64.6750% | 5,403 |
| Assets per employee ($millions) | 2.6572% | 6,872 |
| Cash dividends to net income (ytd only)* | 77.1819% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 6,643 |
| Loan loss allowance to noncurrent loans | 585.3933% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,320 |
| Noncurrent loans to loans | 0.1548% | 6,946 |
| Net loans and leases to total assets | 46.6228% | 7,272 |
| Net loans and leases to deposits | 52.2050% | 7,523 |
| Net loans and leases to core deposits | 67.8711% | 7,299 |
| Total domestic deposits to total assets | 89.3072% | 919 |
| Equity capital to assets | 9.0296% | 5,336 |
| Core capital (leverage) ratio | 8.8657% | 4,947 |
| Tier 1 risk-based capital ratio | 17.6612% | 2,130 |
| Total risk-based capital ratio | 18.5331% | 2,188 |
| Memoranda: | ||
| Average total assets | $115,511,000 | 4,621 |
| Average earning assets | $105,840,400 | 4,618 |
| Average equity | $10,973,000 | 5,132 |
| Average total loans | $57,144,200 | 5,401 |