Home > Gouverneur Savings and Loan Association > Performance and Condition Ratios
Gouverneur Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 3,073 |
| Cost of funding earning assets | 0.9112% | 4,069 |
| Net interest margin | 4.1134% | 1,084 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 3.5069% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5065% | 3,559 |
| Return on assets (ROA) | 0.5065% | 3,574 |
| Pretax return on assets | 0.4741% | 3,752 |
| Return on Equity (ROE) | 3.3800% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.3753% | 3,002 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 83.4097% | 759 |
| Assets per employee ($millions) | 5.4925% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 3,760 |
| Loan loss allowance to noncurrent loans | 97.2578% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 1,344 |
| Noncurrent loans to loans | 0.8652% | 1,221 |
| Net loans and leases to total assets | 63.4100% | 2,561 |
| Net loans and leases to deposits | 76.4454% | 2,363 |
| Net loans and leases to core deposits | 79.7518% | 2,700 |
| Total domestic deposits to total assets | 82.9500% | 3,128 |
| Equity capital to assets | 15.0679% | 554 |
| Core capital (leverage) ratio | 13.5690% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5934% | 386 |
| Memoranda: | ||
| Average total assets | $197,437,000 | 3,034 |
| Average earning assets | $171,633,500 | 3,119 |
| Average equity | $29,627,000 | 2,441 |
| Average total loans | $126,217,500 | 2,972 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 3,077 |
| Cost of funding earning assets | 0.8925% | 4,110 |
| Net interest margin | 4.1231% | 1,028 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 3.5767% | 539 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.4136% | 3,657 |
| Return on assets (ROA) | 0.4201% | 3,672 |
| Pretax return on assets | 0.3971% | 3,796 |
| Return on Equity (ROE) | 2.8400% | 3,883 |
| Retained earnings to average equity (ytd only) | 2.8408% | 3,100 |
| Net charge-offs to loans | 0.0184% | 2,258 |
| Credit loss provision to net charge-offs | 91.3043% | 2,016 |
| Earnings coverage of net charge-offs (x) | 34.6087% | 1,438 |
| Efficiency ratio | 84.9019% | 738 |
| Assets per employee ($millions) | 4.8084% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 3,788 |
| Loan loss allowance to noncurrent loans | 151.9369% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,864 |
| Noncurrent loans to loans | 0.5532% | 1,693 |
| Net loans and leases to total assets | 63.3700% | 2,630 |
| Net loans and leases to deposits | 76.4758% | 2,407 |
| Net loans and leases to core deposits | 79.3843% | 2,820 |
| Total domestic deposits to total assets | 82.8600% | 3,070 |
| Equity capital to assets | 14.9435% | 558 |
| Core capital (leverage) ratio | 13.4028% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4468% | 395 |
| Memoranda: | ||
| Average total assets | $199,960,800 | 2,999 |
| Average earning assets | $172,441,200 | 3,075 |
| Average equity | $29,569,400 | 2,388 |
| Average total loans | $125,187,200 | 2,951 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 3,042 |
| Cost of funding earning assets | 0.8451% | 4,162 |
| Net interest margin | 4.1520% | 959 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 3.5654% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4219% | 3,641 |
| Return on assets (ROA) | 0.4306% | 3,659 |
| Pretax return on assets | 0.4007% | 3,809 |
| Return on Equity (ROE) | 2.9200% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.9192% | 3,208 |
| Net charge-offs to loans | 0.0043% | 2,548 |
| Credit loss provision to net charge-offs | 150.0000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 620 |
| Efficiency ratio | 84.8556% | 762 |
| Assets per employee ($millions) | 4.9416% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,807 |
| Loan loss allowance to noncurrent loans | 120.3851% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 1,537 |
| Noncurrent loans to loans | 0.7046% | 1,394 |
| Net loans and leases to total assets | 62.8600% | 2,650 |
| Net loans and leases to deposits | 76.3132% | 2,503 |
| Net loans and leases to core deposits | 79.4010% | 2,852 |
| Total domestic deposits to total assets | 82.3700% | 3,012 |
| Equity capital to assets | 15.3791% | 544 |
| Core capital (leverage) ratio | 13.2750% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2615% | 410 |
| Memoranda: | ||
| Average total assets | $200,665,250 | 2,990 |
| Average earning assets | $172,603,750 | 3,081 |
| Average equity | $29,596,750 | 2,389 |
| Average total loans | $124,987,500 | 2,949 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 2,968 |
| Cost of funding earning assets | 0.8374% | 4,154 |
| Net interest margin | 4.1521% | 950 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 3.5038% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4344% | 3,592 |
| Return on assets (ROA) | 0.4473% | 3,601 |
| Pretax return on assets | 0.4245% | 3,764 |
| Return on Equity (ROE) | 3.0800% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.0754% | 3,020 |
| Net charge-offs to loans | 0.0016% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 296 |
| Efficiency ratio | 84.2199% | 842 |
| Assets per employee ($millions) | 5.1444% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 3,820 |
| Loan loss allowance to noncurrent loans | 208.2515% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 2,128 |
| Noncurrent loans to loans | 0.4099% | 1,968 |
| Net loans and leases to total assets | 62.9800% | 2,654 |
| Net loans and leases to deposits | 78.3402% | 2,347 |
| Net loans and leases to core deposits | 80.9008% | 2,749 |
| Total domestic deposits to total assets | 80.3900% | 3,388 |
| Equity capital to assets | 14.9758% | 571 |
| Core capital (leverage) ratio | 13.0954% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9966% | 416 |
| Memoranda: | ||
| Average total assets | $201,665,667 | 2,985 |
| Average earning assets | $172,924,333 | 3,082 |
| Average equity | $29,329,333 | 2,377 |
| Average total loans | $124,876,667 | 2,946 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 2,930 |
| Cost of funding earning assets | 0.7712% | 4,199 |
| Net interest margin | 4.1581% | 905 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 3.5125% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4024% | 3,615 |
| Return on assets (ROA) | 0.4024% | 3,635 |
| Pretax return on assets | 0.3692% | 3,819 |
| Return on Equity (ROE) | 2.8100% | 3,882 |
| Retained earnings to average equity (ytd only) | 2.8069% | 3,027 |
| Net charge-offs to loans | -0.0032% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.2542% | 822 |
| Assets per employee ($millions) | 5.1033% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 3,835 |
| Loan loss allowance to noncurrent loans | 73.1909% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 836 |
| Noncurrent loans to loans | 1.1628% | 723 |
| Net loans and leases to total assets | 60.6100% | 2,798 |
| Net loans and leases to deposits | 74.5740% | 2,549 |
| Net loans and leases to core deposits | 76.6223% | 2,939 |
| Total domestic deposits to total assets | 81.2700% | 3,322 |
| Equity capital to assets | 14.3271% | 626 |
| Core capital (leverage) ratio | 12.5107% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7390% | 446 |
| Memoranda: | ||
| Average total assets | $204,754,000 | 2,972 |
| Average earning assets | $174,790,000 | 3,072 |
| Average equity | $29,356,000 | 2,385 |
| Average total loans | $125,228,000 | 2,946 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 2,602 |
| Cost of funding earning assets | 0.4891% | 4,205 |
| Net interest margin | 4.2475% | 882 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.5417% | 554 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.4062% | 3,856 |
| Return on assets (ROA) | 0.2505% | 4,104 |
| Pretax return on assets | 0.2222% | 4,174 |
| Return on Equity (ROE) | 1.9700% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.1857% | 3,788 |
| Net charge-offs to loans | 0.1474% | 695 |
| Credit loss provision to net charge-offs | 95.6757% | 1,893 |
| Earnings coverage of net charge-offs (x) | 5.1405% | 2,543 |
| Efficiency ratio | 82.9250% | 726 |
| Assets per employee ($millions) | 4.5639% | 3,916 |
| Cash dividends to net income (ytd only)* | 39.7661% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 3,870 |
| Loan loss allowance to noncurrent loans | 76.9956% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 734 |
| Noncurrent loans to loans | 1.0965% | 670 |
| Net loans and leases to total assets | 60.6700% | 2,788 |
| Net loans and leases to deposits | 75.8274% | 2,472 |
| Net loans and leases to core deposits | 77.8863% | 2,847 |
| Total domestic deposits to total assets | 80.0200% | 3,460 |
| Equity capital to assets | 14.3473% | 625 |
| Core capital (leverage) ratio | 12.3026% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0057% | 478 |
| Memoranda: | ||
| Average total assets | $204,816,000 | 2,955 |
| Average earning assets | $175,632,800 | 3,047 |
| Average equity | $26,059,800 | 2,460 |
| Average total loans | $125,527,200 | 2,895 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 2,485 |
| Cost of funding earning assets | 0.4002% | 4,255 |
| Net interest margin | 4.2926% | 811 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.6121% | 490 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4260% | 3,917 |
| Return on assets (ROA) | 0.2182% | 4,224 |
| Pretax return on assets | 0.1915% | 4,267 |
| Return on Equity (ROE) | 1.7700% | 4,228 |
| Retained earnings to average equity (ytd only) | 0.6929% | 4,008 |
| Net charge-offs to loans | 0.1254% | 647 |
| Credit loss provision to net charge-offs | 90.6780% | 1,689 |
| Earnings coverage of net charge-offs (x) | 6.1017% | 2,317 |
| Efficiency ratio | 82.9689% | 669 |
| Assets per employee ($millions) | 4.4694% | 3,958 |
| Cash dividends to net income (ytd only)* | 60.8955% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4942% | 4,350 |
| Loan loss allowance to noncurrent loans | 74.1667% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 1,272 |
| Noncurrent loans to loans | 0.6664% | 1,237 |
| Net loans and leases to total assets | 61.0100% | 2,746 |
| Net loans and leases to deposits | 76.5616% | 2,370 |
| Net loans and leases to core deposits | 77.7581% | 2,755 |
| Total domestic deposits to total assets | 79.6800% | 3,576 |
| Equity capital to assets | 11.4712% | 1,188 |
| Core capital (leverage) ratio | 10.6128% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4293% | 769 |
| Memoranda: | ||
| Average total assets | $204,675,750 | 2,962 |
| Average earning assets | $175,552,750 | 3,057 |
| Average equity | $25,208,250 | 2,491 |
| Average total loans | $125,491,000 | 2,898 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 2,386 |
| Cost of funding earning assets | 0.2759% | 4,347 |
| Net interest margin | 4.3390% | 762 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.5759% | 488 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5441% | 3,714 |
| Return on assets (ROA) | 0.2319% | 4,267 |
| Pretax return on assets | 0.1810% | 4,339 |
| Return on Equity (ROE) | 1.8400% | 4,290 |
| Retained earnings to average equity (ytd only) | 0.2563% | 4,031 |
| Net charge-offs to loans | 0.1804% | 437 |
| Credit loss provision to net charge-offs | 68.1416% | 1,600 |
| Earnings coverage of net charge-offs (x) | 5.1416% | 2,189 |
| Efficiency ratio | 80.8264% | 790 |
| Assets per employee ($millions) | 4.3220% | 4,047 |
| Cash dividends to net income (ytd only)* | 86.0759% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 4,399 |
| Loan loss allowance to noncurrent loans | 144.0964% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 1,857 |
| Noncurrent loans to loans | 0.3303% | 1,944 |
| Net loans and leases to total assets | 61.5700% | 2,618 |
| Net loans and leases to deposits | 77.3143% | 2,191 |
| Net loans and leases to core deposits | 78.1515% | 2,602 |
| Total domestic deposits to total assets | 79.6300% | 3,625 |
| Equity capital to assets | 12.6463% | 900 |
| Core capital (leverage) ratio | 11.0233% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1657% | 703 |
| Memoranda: | ||
| Average total assets | $204,370,000 | 2,971 |
| Average earning assets | $176,123,000 | 3,055 |
| Average equity | $25,749,667 | 2,482 |
| Average total loans | $125,304,667 | 2,895 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 2,169 |
| Cost of funding earning assets | 0.1267% | 4,498 |
| Net interest margin | 4.4328% | 647 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.4968% | 538 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.4664% | 3,973 |
| Return on assets (ROA) | -0.0254% | 4,489 |
| Pretax return on assets | -0.1522% | 4,512 |
| Return on Equity (ROE) | -0.2000% | 4,457 |
| Retained earnings to average equity (ytd only) | -3.3670% | 4,261 |
| Net charge-offs to loans | 0.0192% | 1,291 |
| Credit loss provision to net charge-offs | 783.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,116 |
| Efficiency ratio | 80.5769% | 787 |
| Assets per employee ($millions) | 4.4607% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 4,413 |
| Loan loss allowance to noncurrent loans | 79.3184% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 1,157 |
| Noncurrent loans to loans | 0.6804% | 1,113 |
| Net loans and leases to total assets | 60.6200% | 2,586 |
| Net loans and leases to deposits | 74.7009% | 2,239 |
| Net loans and leases to core deposits | 76.2813% | 2,503 |
| Total domestic deposits to total assets | 81.1500% | 3,614 |
| Equity capital to assets | 12.6631% | 834 |
| Core capital (leverage) ratio | 10.7332% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1401% | 732 |
| Memoranda: | ||
| Average total assets | $204,987,500 | 3,004 |
| Average earning assets | $176,774,000 | 3,086 |
| Average equity | $25,780,000 | 2,497 |
| Average total loans | $125,127,000 | 2,929 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 1,666 |
| Cost of funding earning assets | 0.2116% | 3,666 |
| Net interest margin | 3.8071% | 1,146 |
| Noninterest income to average assets | 1.5500% | 334 |
| Noninterest expense to average assets | 3.5011% | 490 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2550% | 1,583 |
| Return on assets (ROA) | 1.0505% | 2,317 |
| Pretax return on assets | 1.0807% | 2,834 |
| Return on Equity (ROE) | 6.5800% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.1344% | 2,595 |
| Net charge-offs to loans | 0.0339% | 1,399 |
| Credit loss provision to net charge-offs | 171.4286% | 1,212 |
| Earnings coverage of net charge-offs (x) | 61.5714% | 1,237 |
| Efficiency ratio | 71.0237% | 1,557 |
| Assets per employee ($millions) | 4.5549% | 3,996 |
| Cash dividends to net income (ytd only)* | 6.8075% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5065% | 4,426 |
| Loan loss allowance to noncurrent loans | 69.2896% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 1,073 |
| Noncurrent loans to loans | 0.7309% | 1,027 |
| Net loans and leases to total assets | 60.7600% | 2,578 |
| Net loans and leases to deposits | 72.5744% | 2,364 |
| Net loans and leases to core deposits | 73.9349% | 2,567 |
| Total domestic deposits to total assets | 83.7300% | 3,268 |
| Equity capital to assets | 12.5701% | 792 |
| Core capital (leverage) ratio | 10.8140% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9088% | 730 |
| Memoranda: | ||
| Average total assets | $162,207,600 | 3,332 |
| Average earning assets | $139,870,000 | 3,418 |
| Average equity | $25,886,600 | 2,539 |
| Average total loans | $103,206,800 | 3,106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 2,037 |
| Cost of funding earning assets | 0.2944% | 2,233 |
| Net interest margin | 3.4096% | 1,945 |
| Noninterest income to average assets | 2.1200% | 252 |
| Noninterest expense to average assets | 3.3639% | 543 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5262% | 794 |
| Return on assets (ROA) | 1.5262% | 773 |
| Pretax return on assets | 1.6476% | 1,008 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.3258% | 1,877 |
| Net charge-offs to loans | 0.0450% | 1,039 |
| Credit loss provision to net charge-offs | 136.3636% | 1,160 |
| Earnings coverage of net charge-offs (x) | 58.0909% | 1,186 |
| Efficiency ratio | 66.5970% | 2,204 |
| Assets per employee ($millions) | 4.8387% | 3,811 |
| Cash dividends to net income (ytd only)* | 6.6321% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 4,479 |
| Loan loss allowance to noncurrent loans | 102.6446% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 1,663 |
| Noncurrent loans to loans | 0.4812% | 1,596 |
| Net loans and leases to total assets | 58.7600% | 2,621 |
| Net loans and leases to deposits | 67.8167% | 2,546 |
| Net loans and leases to core deposits | 68.9971% | 2,724 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 11.6059% | 968 |
| Core capital (leverage) ratio | 12.6376% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1342% | 969 |
| Memoranda: | ||
| Average total assets | $151,488,250 | 3,455 |
| Average earning assets | $130,411,000 | 3,543 |
| Average equity | $25,926,750 | 2,579 |
| Average total loans | $97,712,500 | 3,194 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 849 |
| Cost of funding earning assets | 0.4224% | 793 |
| Net interest margin | 3.6329% | 1,017 |
| Noninterest income to average assets | 2.4852% | 186 |
| Noninterest expense to average assets | 3.8789% | 306 |
| Loan and lease loss provision to assets | 0.0458% | 1,751 |
| Net operating income to assets | 1.4334% | 826 |
| Return on assets (ROA) | 1.4334% | 810 |
| Pretax return on assets | 1.7112% | 734 |
| Return on Equity (ROE) | 7.1318% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.5850% | 2,142 |
| Net charge-offs to loans | 0.0317% | 1,091 |
| Credit loss provision to net charge-offs | 214.2857% | 940 |
| Earnings coverage of net charge-offs (x) | 82.2143% | 915 |
| Efficiency ratio | 68.8245% | 2,124 |
| Assets per employee ($millions) | 4.8220% | 3,835 |
| Cash dividends to net income (ytd only)* | 7.6677% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 4,318 |
| Loan loss allowance to noncurrent loans | 117.4812% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,175 |
| Noncurrent loans to loans | 0.6026% | 1,406 |
| Net loans and leases to total assets | 67.3270% | 1,544 |
| Net loans and leases to deposits | 86.0992% | 964 |
| Net loans and leases to core deposits | 88.0610% | 1,220 |
| Total domestic deposits to total assets | 78.1970% | 4,342 |
| Equity capital to assets | 19.4642% | 181 |
| Core capital (leverage) ratio | 20.9139% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7127% | 154 |
| Memoranda: | ||
| Average total assets | $131,017,333 | 3,692 |
| Average earning assets | $113,627,667 | 3,769 |
| Average equity | $26,332,667 | 2,619 |
| Average total loans | $88,372,667 | 3,350 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 667 |
| Cost of funding earning assets | 0.4707% | 582 |
| Net interest margin | 3.6005% | 891 |
| Noninterest income to average assets | 3.0648% | 158 |
| Noninterest expense to average assets | 3.9626% | 282 |
| Loan and lease loss provision to assets | 0.0457% | 1,542 |
| Net operating income to assets | 1.8109% | 323 |
| Return on assets (ROA) | 1.8109% | 325 |
| Pretax return on assets | 2.1761% | 265 |
| Return on Equity (ROE) | 8.8712% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.7977% | 1,643 |
| Net charge-offs to loans | 0.0769% | 612 |
| Credit loss provision to net charge-offs | 88.2353% | 1,087 |
| Earnings coverage of net charge-offs (x) | 42.9412% | 982 |
| Efficiency ratio | 64.0748% | 3,017 |
| Assets per employee ($millions) | 4.8180% | 3,907 |
| Cash dividends to net income (ytd only)* | 12.1008% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 4,409 |
| Loan loss allowance to noncurrent loans | 144.5238% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,368 |
| Noncurrent loans to loans | 0.4753% | 1,835 |
| Net loans and leases to total assets | 67.4554% | 1,264 |
| Net loans and leases to deposits | 86.9621% | 678 |
| Net loans and leases to core deposits | 88.9608% | 969 |
| Total domestic deposits to total assets | 77.5687% | 4,433 |
| Equity capital to assets | 20.0852% | 160 |
| Core capital (leverage) ratio | 21.2391% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0266% | 147 |
| Memoranda: | ||
| Average total assets | $131,429,500 | 3,708 |
| Average earning assets | $113,874,500 | 3,785 |
| Average equity | $26,828,500 | 2,661 |
| Average total loans | $88,419,000 | 3,352 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 1,074 |
| Cost of funding earning assets | 0.5193% | 854 |
| Net interest margin | 3.6339% | 1,381 |
| Noninterest income to average assets | 1.4137% | 558 |
| Noninterest expense to average assets | 3.6775% | 393 |
| Loan and lease loss provision to assets | 0.0259% | 2,540 |
| Net operating income to assets | 0.7800% | 3,393 |
| Return on assets (ROA) | 0.8112% | 3,370 |
| Pretax return on assets | 0.8950% | 3,522 |
| Return on Equity (ROE) | 3.9072% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.2725% | 3,511 |
| Net charge-offs to loans | 0.0367% | 1,516 |
| Credit loss provision to net charge-offs | 106.2500% | 1,737 |
| Earnings coverage of net charge-offs (x) | 36.3750% | 1,489 |
| Efficiency ratio | 80.5741% | 773 |
| Assets per employee ($millions) | 4.4258% | 4,171 |
| Cash dividends to net income (ytd only)* | 16.2441% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,444 |
| Loan loss allowance to noncurrent loans | 92.4127% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 945 |
| Noncurrent loans to loans | 0.7448% | 1,367 |
| Net loans and leases to total assets | 66.1821% | 1,450 |
| Net loans and leases to deposits | 86.9529% | 721 |
| Net loans and leases to core deposits | 88.9753% | 1,014 |
| Total domestic deposits to total assets | 76.1126% | 4,507 |
| Equity capital to assets | 20.7339% | 159 |
| Core capital (leverage) ratio | 20.3298% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6102% | 170 |
| Memoranda: | ||
| Average total assets | $131,283,800 | 3,665 |
| Average earning assets | $113,817,400 | 3,764 |
| Average equity | $27,257,600 | 2,704 |
| Average total loans | $87,211,600 | 3,374 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 1,126 |
| Cost of funding earning assets | 0.5224% | 936 |
| Net interest margin | 3.6673% | 1,414 |
| Noninterest income to average assets | 1.4513% | 572 |
| Noninterest expense to average assets | 3.7022% | 372 |
| Loan and lease loss provision to assets | 0.0183% | 2,640 |
| Net operating income to assets | 0.8230% | 3,461 |
| Return on assets (ROA) | 0.8647% | 3,408 |
| Pretax return on assets | 0.9513% | 3,584 |
| Return on Equity (ROE) | 4.1632% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.3149% | 3,798 |
| Net charge-offs to loans | 0.0077% | 2,032 |
| Credit loss provision to net charge-offs | 360.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 181.4000% | 594 |
| Efficiency ratio | 80.0308% | 742 |
| Assets per employee ($millions) | 4.4910% | 4,129 |
| Cash dividends to net income (ytd only)* | 20.3769% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 4,482 |
| Loan loss allowance to noncurrent loans | 175.6374% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 1,657 |
| Noncurrent loans to loans | 0.4059% | 2,343 |
| Net loans and leases to total assets | 64.0894% | 1,763 |
| Net loans and leases to deposits | 85.1733% | 879 |
| Net loans and leases to core deposits | 87.1470% | 1,209 |
| Total domestic deposits to total assets | 75.2459% | 4,588 |
| Equity capital to assets | 20.1449% | 188 |
| Core capital (leverage) ratio | 19.7620% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1518% | 164 |
| Memoranda: | ||
| Average total assets | $130,911,500 | 3,701 |
| Average earning assets | $113,322,500 | 3,806 |
| Average equity | $27,189,750 | 2,737 |
| Average total loans | $86,894,250 | 3,425 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 1,062 |
| Cost of funding earning assets | 0.5289% | 1,039 |
| Net interest margin | 3.7382% | 1,248 |
| Noninterest income to average assets | 1.7217% | 422 |
| Noninterest expense to average assets | 3.8121% | 333 |
| Loan and lease loss provision to assets | 0.0278% | 2,426 |
| Net operating income to assets | 0.9958% | 2,902 |
| Return on assets (ROA) | 1.0583% | 2,762 |
| Pretax return on assets | 1.1787% | 2,969 |
| Return on Equity (ROE) | 5.0430% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.4108% | 3,394 |
| Net charge-offs to loans | 0.0161% | 1,626 |
| Credit loss provision to net charge-offs | 257.1429% | 953 |
| Earnings coverage of net charge-offs (x) | 105.2857% | 726 |
| Efficiency ratio | 77.0262% | 990 |
| Assets per employee ($millions) | 4.4270% | 4,158 |
| Cash dividends to net income (ytd only)* | 12.5364% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 4,517 |
| Loan loss allowance to noncurrent loans | 193.7304% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 1,819 |
| Noncurrent loans to loans | 0.3679% | 2,583 |
| Net loans and leases to total assets | 64.8139% | 1,851 |
| Net loans and leases to deposits | 87.5696% | 806 |
| Net loans and leases to core deposits | 89.9224% | 1,145 |
| Total domestic deposits to total assets | 74.0142% | 4,650 |
| Equity capital to assets | 20.6075% | 165 |
| Core capital (leverage) ratio | 20.4398% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0711% | 173 |
| Memoranda: | ||
| Average total assets | $129,639,000 | 3,728 |
| Average earning assets | $111,927,000 | 3,838 |
| Average equity | $27,206,000 | 2,725 |
| Average total loans | $86,870,000 | 3,445 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 953 |
| Cost of funding earning assets | 0.5436% | 1,146 |
| Net interest margin | 3.8160% | 1,102 |
| Noninterest income to average assets | 2.7083% | 234 |
| Noninterest expense to average assets | 3.7828% | 340 |
| Loan and lease loss provision to assets | 0.0469% | 2,141 |
| Net operating income to assets | 1.8024% | 787 |
| Return on assets (ROA) | 1.8024% | 839 |
| Pretax return on assets | 2.1679% | 721 |
| Return on Equity (ROE) | 8.5089% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.2259% | 2,498 |
| Net charge-offs to loans | 0.0414% | 1,051 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 78.7778% | 710 |
| Efficiency ratio | 63.0729% | 2,601 |
| Assets per employee ($millions) | 4.2944% | 4,278 |
| Cash dividends to net income (ytd only)* | 15.0780% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,559 |
| Loan loss allowance to noncurrent loans | 195.8466% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 1,832 |
| Noncurrent loans to loans | 0.3615% | 2,786 |
| Net loans and leases to total assets | 66.7223% | 1,696 |
| Net loans and leases to deposits | 90.1841% | 690 |
| Net loans and leases to core deposits | 92.6842% | 1,066 |
| Total domestic deposits to total assets | 73.9845% | 4,672 |
| Equity capital to assets | 21.1727% | 145 |
| Core capital (leverage) ratio | 21.2116% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9085% | 172 |
| Memoranda: | ||
| Average total assets | $128,053,000 | 3,758 |
| Average earning assets | $110,376,000 | 3,870 |
| Average equity | $27,124,500 | 2,724 |
| Average total loans | $86,956,000 | 3,452 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,067 |
| Cost of funding earning assets | 0.6033% | 2,277 |
| Net interest margin | 4.0153% | 942 |
| Noninterest income to average assets | -0.2695% | 4,993 |
| Noninterest expense to average assets | 3.7516% | 491 |
| Loan and lease loss provision to assets | 0.0448% | 3,840 |
| Net operating income to assets | -0.3876% | 4,859 |
| Return on assets (ROA) | -0.3699% | 4,871 |
| Pretax return on assets | -0.5946% | 4,890 |
| Return on Equity (ROE) | -1.7510% | 4,837 |
| Retained earnings to average equity (ytd only) | -2.5259% | 4,739 |
| Net charge-offs to loans | 0.1496% | 1,089 |
| Credit loss provision to net charge-offs | 43.6090% | 3,172 |
| Earnings coverage of net charge-offs (x) | -5.5714% | 3,383 |
| Efficiency ratio | 117.9985% | 83 |
| Assets per employee ($millions) | 4.1056% | 4,287 |
| Cash dividends to net income (ytd only)* | -44.2589% | 4,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 4,596 |
| Loan loss allowance to noncurrent loans | 151.3716% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 1,627 |
| Noncurrent loans to loans | 0.4591% | 2,593 |
| Net loans and leases to total assets | 68.1461% | 1,811 |
| Net loans and leases to deposits | 96.7743% | 513 |
| Net loans and leases to core deposits | 99.6656% | 916 |
| Total domestic deposits to total assets | 70.4176% | 4,766 |
| Equity capital to assets | 21.1919% | 159 |
| Core capital (leverage) ratio | 20.5399% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0319% | 192 |
| Memoranda: | ||
| Average total assets | $129,492,600 | 3,634 |
| Average earning assets | $111,224,800 | 3,746 |
| Average equity | $27,356,200 | 2,653 |
| Average total loans | $88,905,000 | 3,415 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,178 |
| Cost of funding earning assets | 0.5994% | 2,620 |
| Net interest margin | 4.0548% | 989 |
| Noninterest income to average assets | -0.8212% | 5,027 |
| Noninterest expense to average assets | 3.7073% | 524 |
| Loan and lease loss provision to assets | 0.0592% | 3,608 |
| Net operating income to assets | -0.7729% | 4,925 |
| Return on assets (ROA) | -0.7495% | 4,931 |
| Pretax return on assets | -1.0837% | 4,948 |
| Return on Equity (ROE) | -3.5503% | 4,893 |
| Retained earnings to average equity (ytd only) | -4.5800% | 4,833 |
| Net charge-offs to loans | 0.1628% | 907 |
| Credit loss provision to net charge-offs | 53.2110% | 2,875 |
| Earnings coverage of net charge-offs (x) | -9.4312% | 3,198 |
| Efficiency ratio | 139.7218% | 51 |
| Assets per employee ($millions) | 4.1697% | 4,168 |
| Cash dividends to net income (ytd only)* | -29.0014% | 5,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,536 |
| Loan loss allowance to noncurrent loans | 75.2086% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 1,221 |
| Noncurrent loans to loans | 0.9588% | 1,573 |
| Net loans and leases to total assets | 67.2098% | 2,360 |
| Net loans and leases to deposits | 94.6176% | 871 |
| Net loans and leases to core deposits | 97.3739% | 1,352 |
| Total domestic deposits to total assets | 71.0330% | 4,718 |
| Equity capital to assets | 20.5723% | 190 |
| Core capital (leverage) ratio | 19.1108% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7095% | 207 |
| Memoranda: | ||
| Average total assets | $130,047,000 | 3,613 |
| Average earning assets | $111,436,000 | 3,729 |
| Average equity | $27,452,250 | 2,627 |
| Average total loans | $89,296,250 | 3,426 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 1,348 |
| Cost of funding earning assets | 0.5758% | 3,104 |
| Net interest margin | 4.1492% | 1,019 |
| Noninterest income to average assets | -1.7036% | 5,065 |
| Noninterest expense to average assets | 3.6958% | 580 |
| Loan and lease loss provision to assets | 0.0890% | 3,160 |
| Net operating income to assets | -1.4550% | 4,995 |
| Return on assets (ROA) | -1.4550% | 4,997 |
| Pretax return on assets | -1.9492% | 5,007 |
| Return on Equity (ROE) | -6.8351% | 4,951 |
| Retained earnings to average equity (ytd only) | -7.7364% | 4,870 |
| Net charge-offs to loans | 0.2425% | 647 |
| Credit loss provision to net charge-offs | 53.2110% | 2,609 |
| Earnings coverage of net charge-offs (x) | -11.1193% | 2,986 |
| Efficiency ratio | 201.3378% | 18 |
| Assets per employee ($millions) | 4.6862% | 3,545 |
| Cash dividends to net income (ytd only)* | -13.1857% | 5,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 4,529 |
| Loan loss allowance to noncurrent loans | 58.9720% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 1,134 |
| Noncurrent loans to loans | 1.2152% | 1,294 |
| Net loans and leases to total assets | 62.1807% | 3,109 |
| Net loans and leases to deposits | 89.4622% | 1,401 |
| Net loans and leases to core deposits | 91.9048% | 1,915 |
| Total domestic deposits to total assets | 69.5050% | 4,802 |
| Equity capital to assets | 19.0892% | 236 |
| Core capital (leverage) ratio | 19.3805% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4028% | 209 |
| Memoranda: | ||
| Average total assets | $130,309,000 | 3,594 |
| Average earning assets | $111,154,000 | 3,722 |
| Average equity | $27,739,000 | 2,601 |
| Average total loans | $89,892,667 | 3,415 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,338 |
| Cost of funding earning assets | 0.5590% | 3,647 |
| Net interest margin | 4.2772% | 795 |
| Noninterest income to average assets | -3.7549% | 5,113 |
| Noninterest expense to average assets | 4.0010% | 509 |
| Loan and lease loss provision to assets | 0.1118% | 2,282 |
| Net operating income to assets | -3.1861% | 5,079 |
| Return on assets (ROA) | -3.1861% | 5,070 |
| Pretax return on assets | -4.1512% | 5,075 |
| Return on Equity (ROE) | -14.1469% | 5,031 |
| Retained earnings to average equity (ytd only) | -15.9347% | 4,911 |
| Net charge-offs to loans | 0.4272% | 343 |
| Credit loss provision to net charge-offs | 36.0825% | 2,117 |
| Earnings coverage of net charge-offs (x) | -13.0309% | 2,536 |
| Efficiency ratio | -10,433.3333% | 5,114 |
| Assets per employee ($millions) | 3.8970% | 4,056 |
| Cash dividends to net income (ytd only)* | -12.6379% | 5,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 4,631 |
| Loan loss allowance to noncurrent loans | 33.6408% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.8452% | 481 |
| Noncurrent loans to loans | 2.0422% | 687 |
| Net loans and leases to total assets | 71.8716% | 1,938 |
| Net loans and leases to deposits | 110.4204% | 180 |
| Net loans and leases to core deposits | 113.2213% | 699 |
| Total domestic deposits to total assets | 65.0891% | 4,976 |
| Equity capital to assets | 21.5288% | 188 |
| Core capital (leverage) ratio | 20.7556% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1257% | 210 |
| Memoranda: | ||
| Average total assets | $125,170,000 | 3,637 |
| Average earning assets | $108,763,000 | 3,731 |
| Average equity | $28,190,000 | 2,563 |
| Average total loans | $90,814,500 | 3,379 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,544 |
| Cost of funding earning assets | 0.5151% | 4,022 |
| Net interest margin | 4.4576% | 782 |
| Noninterest income to average assets | -0.2142% | 5,164 |
| Noninterest expense to average assets | 3.7578% | 709 |
| Loan and lease loss provision to assets | 0.0467% | 3,093 |
| Net operating income to assets | 0.0052% | 4,967 |
| Return on assets (ROA) | 0.0600% | 4,961 |
| Pretax return on assets | -0.0537% | 4,993 |
| Return on Equity (ROE) | 0.2590% | 4,976 |
| Retained earnings to average equity (ytd only) | -2.2372% | 4,879 |
| Net charge-offs to loans | 0.1606% | 1,253 |
| Credit loss provision to net charge-offs | 40.2685% | 3,200 |
| Earnings coverage of net charge-offs (x) | -0.6577% | 3,649 |
| Efficiency ratio | 102.0732% | 143 |
| Assets per employee ($millions) | 3.8072% | 4,146 |
| Cash dividends to net income (ytd only)* | 963.6364% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,466 |
| Loan loss allowance to noncurrent loans | 42.2815% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 642 |
| Noncurrent loans to loans | 1.7651% | 770 |
| Net loans and leases to total assets | 72.1929% | 2,064 |
| Net loans and leases to deposits | 114.0721% | 127 |
| Net loans and leases to core deposits | 117.0230% | 561 |
| Total domestic deposits to total assets | 63.2871% | 5,060 |
| Equity capital to assets | 23.5066% | 148 |
| Core capital (leverage) ratio | 22.9168% | 157 |
| Tier 1 risk-based capital ratio | 36.9020% | 291 |
| Total risk-based capital ratio | 37.7786% | 295 |
| Memoranda: | ||
| Average total assets | $128,400,600 | 3,585 |
| Average earning assets | $112,211,800 | 3,674 |
| Average equity | $29,724,400 | 2,411 |
| Average total loans | $92,796,600 | 3,343 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 1,499 |
| Cost of funding earning assets | 0.5242% | 4,052 |
| Net interest margin | 4.4890% | 787 |
| Noninterest income to average assets | -0.7715% | 5,247 |
| Noninterest expense to average assets | 3.7254% | 726 |
| Loan and lease loss provision to assets | 0.0620% | 2,660 |
| Net operating income to assets | -0.3897% | 5,128 |
| Return on assets (ROA) | -0.3171% | 5,125 |
| Pretax return on assets | -0.5402% | 5,142 |
| Return on Equity (ROE) | -1.3748% | 5,106 |
| Retained earnings to average equity (ytd only) | -4.6978% | 5,053 |
| Net charge-offs to loans | 0.2777% | 631 |
| Credit loss provision to net charge-offs | 30.9278% | 2,912 |
| Earnings coverage of net charge-offs (x) | -2.8454% | 3,408 |
| Efficiency ratio | 118.0687% | 85 |
| Assets per employee ($millions) | 3.6844% | 4,293 |
| Cash dividends to net income (ytd only)* | -241.6960% | 5,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,668 |
| Loan loss allowance to noncurrent loans | 45.5000% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.5152% | 725 |
| Noncurrent loans to loans | 1.5327% | 982 |
| Net loans and leases to total assets | 72.4088% | 2,109 |
| Net loans and leases to deposits | 113.1733% | 149 |
| Net loans and leases to core deposits | 116.0712% | 654 |
| Total domestic deposits to total assets | 63.9804% | 5,124 |
| Equity capital to assets | 23.4553% | 150 |
| Core capital (leverage) ratio | 22.3324% | 169 |
| Tier 1 risk-based capital ratio | 37.1774% | 298 |
| Total risk-based capital ratio | 38.0069% | 307 |
| Memoranda: | ||
| Average total assets | $129,091,500 | 3,615 |
| Average earning assets | $112,925,750 | 3,698 |
| Average equity | $29,772,250 | 2,423 |
| Average total loans | $93,150,000 | 3,375 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 1,428 |
| Cost of funding earning assets | 0.5116% | 4,065 |
| Net interest margin | 4.5077% | 759 |
| Noninterest income to average assets | -0.8745% | 5,292 |
| Noninterest expense to average assets | 3.6559% | 791 |
| Loan and lease loss provision to assets | 0.0153% | 3,471 |
| Net operating income to assets | -0.3855% | 5,178 |
| Return on assets (ROA) | -0.2777% | 5,169 |
| Pretax return on assets | -0.4618% | 5,189 |
| Return on Equity (ROE) | -1.2106% | 5,146 |
| Retained earnings to average equity (ytd only) | -3.6920% | 5,003 |
| Net charge-offs to loans | -0.0384% | 4,756 |
| Credit loss provision to net charge-offs | -55.5556% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9715% | 76 |
| Assets per employee ($millions) | 3.6270% | 4,348 |
| Cash dividends to net income (ytd only)* | -204.9724% | 5,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,227 |
| Loan loss allowance to noncurrent loans | 57.7730% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,007 |
| Noncurrent loans to loans | 1.4912% | 1,037 |
| Net loans and leases to total assets | 70.4176% | 2,471 |
| Net loans and leases to deposits | 111.4080% | 191 |
| Net loans and leases to core deposits | 114.5318% | 756 |
| Total domestic deposits to total assets | 63.2070% | 5,180 |
| Equity capital to assets | 22.8389% | 164 |
| Core capital (leverage) ratio | 22.5391% | 159 |
| Tier 1 risk-based capital ratio | 37.1904% | 290 |
| Total risk-based capital ratio | 38.2115% | 289 |
| Memoranda: | ||
| Average total assets | $130,366,000 | 3,614 |
| Average earning assets | $114,159,670 | 3,699 |
| Average equity | $29,902,330 | 2,404 |
| Average total loans | $93,752,670 | 3,380 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,279 |
| Cost of funding earning assets | 0.4794% | 4,159 |
| Net interest margin | 4.5452% | 684 |
| Noninterest income to average assets | -0.4207% | 5,347 |
| Noninterest expense to average assets | 3.6541% | 797 |
| Loan and lease loss provision to assets | 0.0307% | 3,006 |
| Net operating income to assets | 0.0000% | 5,147 |
| Return on assets (ROA) | 0.0000% | 5,150 |
| Pretax return on assets | -0.1167% | 5,174 |
| Return on Equity (ROE) | 0.0000% | 5,150 |
| Retained earnings to average equity (ytd only) | -4.9561% | 4,923 |
| Net charge-offs to loans | 0.1316% | 949 |
| Credit loss provision to net charge-offs | 32.2581% | 2,076 |
| Earnings coverage of net charge-offs (x) | -0.9032% | 2,692 |
| Efficiency ratio | 102.4096% | 150 |
| Assets per employee ($millions) | 3.8210% | 4,158 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,500 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 831 |
| Noncurrent loans to loans | 1.4841% | 1,086 |
| Net loans and leases to total assets | 70.9985% | 2,326 |
| Net loans and leases to deposits | 111.8947% | 179 |
| Net loans and leases to core deposits | 115.0317% | 688 |
| Total domestic deposits to total assets | 63.4512% | 5,248 |
| Equity capital to assets | 22.9921% | 148 |
| Core capital (leverage) ratio | 22.7743% | 156 |
| Tier 1 risk-based capital ratio | 37.5037% | 266 |
| Total risk-based capital ratio | 38.4639% | 268 |
| Memoranda: | ||
| Average total assets | $130,263,500 | 3,652 |
| Average earning assets | $114,319,500 | 3,742 |
| Average equity | $29,943,000 | 2,414 |
| Average total loans | $94,257,000 | 3,404 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 1,201 |
| Cost of funding earning assets | 0.4500% | 3,681 |
| Net interest margin | 4.4817% | 786 |
| Noninterest income to average assets | 0.5960% | 2,314 |
| Noninterest expense to average assets | 3.5390% | 950 |
| Loan and lease loss provision to assets | 0.0340% | 3,515 |
| Net operating income to assets | 0.8562% | 3,589 |
| Return on assets (ROA) | 0.8785% | 3,496 |
| Pretax return on assets | 1.0062% | 3,575 |
| Return on Equity (ROE) | 3.8961% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.9079% | 3,943 |
| Net charge-offs to loans | 0.1271% | 1,482 |
| Credit loss provision to net charge-offs | 36.2903% | 3,308 |
| Earnings coverage of net charge-offs (x) | 10.8306% | 2,681 |
| Efficiency ratio | 77.7206% | 1,157 |
| Assets per employee ($millions) | 3.8416% | 4,112 |
| Cash dividends to net income (ytd only)* | 25.3654% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,512 |
| Loan loss allowance to noncurrent loans | 41.6307% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 565 |
| Noncurrent loans to loans | 1.9387% | 705 |
| Net loans and leases to total assets | 72.5471% | 2,168 |
| Net loans and leases to deposits | 113.2131% | 176 |
| Net loans and leases to core deposits | 116.3335% | 676 |
| Total domestic deposits to total assets | 64.0801% | 5,275 |
| Equity capital to assets | 22.9809% | 145 |
| Core capital (leverage) ratio | 22.6504% | 152 |
| Tier 1 risk-based capital ratio | 37.2738% | 273 |
| Total risk-based capital ratio | 38.2414% | 276 |
| Memoranda: | ||
| Average total assets | $132,381,000 | 3,619 |
| Average earning assets | $116,897,400 | 3,705 |
| Average equity | $29,850,000 | 2,344 |
| Average total loans | $97,531,000 | 3,349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 615 |
| Cost of funding earning assets | 0.7309% | 1,678 |
| Net interest margin | 4.4794% | 772 |
| Noninterest income to average assets | 1.1643% | 694 |
| Noninterest expense to average assets | 3.5199% | 961 |
| Loan and lease loss provision to assets | 0.0351% | 3,304 |
| Net operating income to assets | 1.3233% | 1,766 |
| Return on assets (ROA) | 1.3520% | 1,668 |
| Pretax return on assets | 1.6049% | 1,568 |
| Return on Equity (ROE) | 6.0216% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.7028% | 3,392 |
| Net charge-offs to loans | 0.1482% | 1,114 |
| Credit loss provision to net charge-offs | 32.1101% | 2,958 |
| Earnings coverage of net charge-offs (x) | 14.6789% | 2,275 |
| Efficiency ratio | 68.6705% | 2,413 |
| Assets per employee ($millions) | 3.9969% | 3,892 |
| Cash dividends to net income (ytd only)* | 21.9003% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,600 |
| Loan loss allowance to noncurrent loans | 62.6312% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 983 |
| Noncurrent loans to loans | 1.2852% | 1,310 |
| Net loans and leases to total assets | 72.5028% | 2,251 |
| Net loans and leases to deposits | 112.3237% | 226 |
| Net loans and leases to core deposits | 115.3602% | 744 |
| Total domestic deposits to total assets | 64.5481% | 5,344 |
| Equity capital to assets | 22.7481% | 147 |
| Core capital (leverage) ratio | 22.7615% | 145 |
| Tier 1 risk-based capital ratio | 37.2695% | 269 |
| Total risk-based capital ratio | 38.2371% | 270 |
| Memoranda: | ||
| Average total assets | $132,839,500 | 3,643 |
| Average earning assets | $117,482,250 | 3,728 |
| Average equity | $29,825,250 | 2,351 |
| Average total loans | $98,032,000 | 3,362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 588 |
| Cost of funding earning assets | 0.7217% | 1,512 |
| Net interest margin | 4.4455% | 776 |
| Noninterest income to average assets | 1.2872% | 582 |
| Noninterest expense to average assets | 3.5237% | 966 |
| Loan and lease loss provision to assets | 0.0526% | 2,864 |
| Net operating income to assets | 1.3999% | 1,440 |
| Return on assets (ROA) | 1.3999% | 1,442 |
| Pretax return on assets | 1.6522% | 1,332 |
| Return on Equity (ROE) | 6.2622% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.2678% | 2,947 |
| Net charge-offs to loans | 0.0994% | 1,357 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 23.1633% | 1,718 |
| Efficiency ratio | 67.3944% | 2,747 |
| Assets per employee ($millions) | 4.0020% | 3,895 |
| Cash dividends to net income (ytd only)* | 15.8798% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,510 |
| Loan loss allowance to noncurrent loans | 67.6375% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 878 |
| Noncurrent loans to loans | 1.2722% | 1,345 |
| Net loans and leases to total assets | 72.9302% | 2,132 |
| Net loans and leases to deposits | 113.5052% | 205 |
| Net loans and leases to core deposits | 116.6067% | 685 |
| Total domestic deposits to total assets | 64.2527% | 5,410 |
| Equity capital to assets | 22.6712% | 148 |
| Core capital (leverage) ratio | 22.6068% | 144 |
| Tier 1 risk-based capital ratio | 36.7311% | 280 |
| Total risk-based capital ratio | 37.7674% | 284 |
| Memoranda: | ||
| Average total assets | $133,153,670 | 3,660 |
| Average earning assets | $118,052,330 | 3,745 |
| Average equity | $29,765,670 | 2,365 |
| Average total loans | $98,574,330 | 3,359 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 586 |
| Cost of funding earning assets | 0.7116% | 1,383 |
| Net interest margin | 4.3876% | 787 |
| Noninterest income to average assets | 1.6335% | 369 |
| Noninterest expense to average assets | 3.5722% | 899 |
| Loan and lease loss provision to assets | 0.0898% | 2,012 |
| Net operating income to assets | 1.5737% | 909 |
| Return on assets (ROA) | 1.5737% | 919 |
| Pretax return on assets | 1.8639% | 791 |
| Return on Equity (ROE) | 7.0894% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.0947% | 3,126 |
| Net charge-offs to loans | 0.0161% | 2,195 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 163.2500% | 398 |
| Efficiency ratio | 64.6454% | 3,382 |
| Assets per employee ($millions) | 3.9074% | 4,140 |
| Cash dividends to net income (ytd only)* | 28.1369% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,491 |
| Loan loss allowance to noncurrent loans | 52.0190% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 636 |
| Noncurrent loans to loans | 1.7096% | 999 |
| Net loans and leases to total assets | 73.4874% | 1,949 |
| Net loans and leases to deposits | 117.9153% | 134 |
| Net loans and leases to core deposits | 121.2153% | 550 |
| Total domestic deposits to total assets | 62.3222% | 5,505 |
| Equity capital to assets | 22.2439% | 151 |
| Core capital (leverage) ratio | 22.0964% | 150 |
| Tier 1 risk-based capital ratio | 35.9059% | 307 |
| Total risk-based capital ratio | 36.9817% | 311 |
| Memoranda: | ||
| Average total assets | $133,697,500 | 3,681 |
| Average earning assets | $118,607,000 | 3,772 |
| Average equity | $29,678,000 | 2,394 |
| Average total loans | $99,285,500 | 3,371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 633 |
| Cost of funding earning assets | 0.5235% | 2,154 |
| Net interest margin | 4.4886% | 628 |
| Noninterest income to average assets | 0.6700% | 2,093 |
| Noninterest expense to average assets | 3.3566% | 1,275 |
| Loan and lease loss provision to assets | 0.0876% | 2,435 |
| Net operating income to assets | 0.5964% | 4,024 |
| Return on assets (ROA) | 0.6226% | 3,961 |
| Pretax return on assets | 1.2407% | 2,592 |
| Return on Equity (ROE) | 2.8641% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.8467% | 4,212 |
| Net charge-offs to loans | 0.1836% | 1,369 |
| Credit loss provision to net charge-offs | 64.5161% | 3,167 |
| Earnings coverage of net charge-offs (x) | 9.4839% | 2,781 |
| Efficiency ratio | 72.2772% | 2,180 |
| Assets per employee ($millions) | 3.9572% | 4,035 |
| Cash dividends to net income (ytd only)* | 35.5217% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,669 |
| Loan loss allowance to noncurrent loans | 73.1497% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.4300% | 979 |
| Noncurrent loans to loans | 1.1612% | 1,527 |
| Net loans and leases to total assets | 73.7426% | 1,964 |
| Net loans and leases to deposits | 117.8125% | 133 |
| Net loans and leases to core deposits | 121.0480% | 557 |
| Total domestic deposits to total assets | 62.5932% | 5,564 |
| Equity capital to assets | 22.1524% | 148 |
| Core capital (leverage) ratio | 21.5256% | 157 |
| Tier 1 risk-based capital ratio | 35.3900% | 310 |
| Total risk-based capital ratio | 36.4321% | 308 |
| Memoranda: | ||
| Average total assets | $137,015,400 | 3,650 |
| Average earning assets | $121,308,200 | 3,720 |
| Average equity | $29,782,800 | 2,370 |
| Average total loans | $101,280,600 | 3,332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 620 |
| Cost of funding earning assets | 0.4895% | 2,359 |
| Net interest margin | 4.5022% | 599 |
| Noninterest income to average assets | 0.5144% | 2,941 |
| Noninterest expense to average assets | 3.3809% | 1,188 |
| Loan and lease loss provision to assets | 0.0872% | 2,342 |
| Net operating income to assets | 0.8438% | 3,300 |
| Return on assets (ROA) | 0.8883% | 3,135 |
| Pretax return on assets | 1.0830% | 3,369 |
| Return on Equity (ROE) | 4.1060% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.7492% | 4,259 |
| Net charge-offs to loans | 0.1575% | 1,296 |
| Credit loss provision to net charge-offs | 75.0000% | 2,646 |
| Earnings coverage of net charge-offs (x) | 9.5998% | 2,676 |
| Efficiency ratio | 75.1831% | 1,709 |
| Assets per employee ($millions) | 3.9977% | 4,000 |
| Cash dividends to net income (ytd only)* | 33.0424% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,642 |
| Loan loss allowance to noncurrent loans | 56.0405% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 909 |
| Noncurrent loans to loans | 1.5725% | 1,182 |
| Net loans and leases to total assets | 73.3165% | 2,038 |
| Net loans and leases to deposits | 118.1701% | 125 |
| Net loans and leases to core deposits | 121.0245% | 554 |
| Total domestic deposits to total assets | 62.0432% | 5,635 |
| Equity capital to assets | 21.9036% | 157 |
| Core capital (leverage) ratio | 21.2221% | 170 |
| Tier 1 risk-based capital ratio | 34.9540% | 324 |
| Total risk-based capital ratio | 36.0382% | 323 |
| Memoranda: | ||
| Average total assets | $137,633,000 | 3,677 |
| Average earning assets | $121,745,750 | 3,757 |
| Average equity | $29,777,250 | 2,384 |
| Average total loans | $101,584,000 | 3,354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 595 |
| Cost of funding earning assets | 0.4715% | 2,400 |
| Net interest margin | 4.4927% | 572 |
| Noninterest income to average assets | 0.4906% | 3,083 |
| Noninterest expense to average assets | 3.4254% | 1,121 |
| Loan and lease loss provision to assets | 0.0868% | 2,250 |
| Net operating income to assets | 0.7988% | 3,409 |
| Return on assets (ROA) | 0.7988% | 3,465 |
| Pretax return on assets | 0.9493% | 3,765 |
| Return on Equity (ROE) | 3.7073% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.6663% | 4,109 |
| Net charge-offs to loans | 0.1216% | 1,433 |
| Credit loss provision to net charge-offs | 96.7742% | 2,075 |
| Earnings coverage of net charge-offs (x) | 11.5484% | 2,265 |
| Efficiency ratio | 76.7759% | 1,611 |
| Assets per employee ($millions) | 3.9400% | 4,063 |
| Cash dividends to net income (ytd only)* | 28.0797% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,604 |
| Loan loss allowance to noncurrent loans | 55.3269% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 745 |
| Noncurrent loans to loans | 1.6425% | 1,118 |
| Net loans and leases to total assets | 72.2734% | 2,156 |
| Net loans and leases to deposits | 119.1381% | 104 |
| Net loans and leases to core deposits | 122.0487% | 489 |
| Total domestic deposits to total assets | 60.6635% | 5,697 |
| Equity capital to assets | 21.4453% | 165 |
| Core capital (leverage) ratio | 20.9419% | 172 |
| Tier 1 risk-based capital ratio | 34.9126% | 309 |
| Total risk-based capital ratio | 36.0383% | 304 |
| Memoranda: | ||
| Average total assets | $138,203,000 | 3,693 |
| Average earning assets | $122,153,000 | 3,763 |
| Average equity | $29,779,000 | 2,385 |
| Average total loans | $101,932,000 | 3,362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 550 |
| Cost of funding earning assets | 0.4436% | 2,582 |
| Net interest margin | 4.5275% | 499 |
| Noninterest income to average assets | 0.4597% | 3,256 |
| Noninterest expense to average assets | 3.4202% | 1,156 |
| Loan and lease loss provision to assets | 0.0867% | 2,088 |
| Net operating income to assets | 0.8124% | 3,166 |
| Return on assets (ROA) | 0.8124% | 3,223 |
| Pretax return on assets | 0.9656% | 3,515 |
| Return on Equity (ROE) | 3.7615% | 4,859 |
| Retained earnings to average equity (ytd only) | 1.6866% | 4,433 |
| Net charge-offs to loans | 0.1598% | 1,017 |
| Credit loss provision to net charge-offs | 73.1707% | 1,808 |
| Earnings coverage of net charge-offs (x) | 8.8780% | 2,032 |
| Efficiency ratio | 76.4706% | 1,841 |
| Assets per employee ($millions) | 3.9341% | 4,122 |
| Cash dividends to net income (ytd only)* | 55.1601% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,802 |
| Loan loss allowance to noncurrent loans | 58.6900% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.8178% | 773 |
| Noncurrent loans to loans | 1.5140% | 1,314 |
| Net loans and leases to total assets | 73.3113% | 1,852 |
| Net loans and leases to deposits | 120.3185% | 85 |
| Net loans and leases to core deposits | 123.2462% | 380 |
| Total domestic deposits to total assets | 60.9310% | 5,765 |
| Equity capital to assets | 21.7532% | 153 |
| Core capital (leverage) ratio | 21.1086% | 160 |
| Tier 1 risk-based capital ratio | 35.8678% | 306 |
| Total risk-based capital ratio | 36.9907% | 303 |
| Memoranda: | ||
| Average total assets | $138,354,500 | 3,720 |
| Average earning assets | $122,629,000 | 3,798 |
| Average equity | $29,882,000 | 2,390 |
| Average total loans | $102,608,500 | 3,373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 734 |
| Cost of funding earning assets | 0.4909% | 2,157 |
| Net interest margin | 4.4145% | 752 |
| Noninterest income to average assets | 0.5873% | 2,725 |
| Noninterest expense to average assets | 3.2896% | 1,598 |
| Loan and lease loss provision to assets | 0.1139% | 2,165 |
| Net operating income to assets | 0.8514% | 3,060 |
| Return on assets (ROA) | 0.9169% | 2,850 |
| Pretax return on assets | 1.2073% | 2,632 |
| Return on Equity (ROE) | 4.3573% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.3086% | 3,563 |
| Net charge-offs to loans | 0.2513% | 1,100 |
| Credit loss provision to net charge-offs | 60.8365% | 3,232 |
| Earnings coverage of net charge-offs (x) | 6.5970% | 3,146 |
| Efficiency ratio | 72.7030% | 2,475 |
| Assets per employee ($millions) | 4.2125% | 3,600 |
| Cash dividends to net income (ytd only)* | 24.0683% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,833 |
| Loan loss allowance to noncurrent loans | 59.3649% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 856 |
| Noncurrent loans to loans | 1.4928% | 1,346 |
| Net loans and leases to total assets | 73.6976% | 1,899 |
| Net loans and leases to deposits | 120.0703% | 92 |
| Net loans and leases to core deposits | 122.9375% | 407 |
| Total domestic deposits to total assets | 61.3787% | 5,814 |
| Equity capital to assets | 21.4446% | 167 |
| Core capital (leverage) ratio | 20.7894% | 172 |
| Tier 1 risk-based capital ratio | 35.3488% | 309 |
| Total risk-based capital ratio | 36.4745% | 308 |
| Memoranda: | ||
| Average total assets | $140,474,200 | 3,667 |
| Average earning assets | $125,291,400 | 3,731 |
| Average equity | $29,559,600 | 2,387 |
| Average total loans | $104,639,600 | 3,304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 733 |
| Cost of funding earning assets | 0.5120% | 1,998 |
| Net interest margin | 4.3843% | 798 |
| Noninterest income to average assets | 0.4790% | 3,384 |
| Noninterest expense to average assets | 3.3181% | 1,522 |
| Loan and lease loss provision to assets | 0.1231% | 1,894 |
| Net operating income to assets | 0.7233% | 3,731 |
| Return on assets (ROA) | 0.8104% | 3,459 |
| Pretax return on assets | 1.0679% | 3,362 |
| Return on Equity (ROE) | 3.8692% | 4,947 |
| Retained earnings to average equity (ytd only) | 2.4680% | 4,444 |
| Net charge-offs to loans | 0.3443% | 666 |
| Credit loss provision to net charge-offs | 47.9705% | 3,060 |
| Earnings coverage of net charge-offs (x) | 4.1956% | 3,302 |
| Efficiency ratio | 75.5062% | 2,035 |
| Assets per employee ($millions) | 4.1447% | 3,699 |
| Cash dividends to net income (ytd only)* | 36.2148% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,068 |
| Loan loss allowance to noncurrent loans | 45.6578% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.1338% | 704 |
| Noncurrent loans to loans | 1.8432% | 1,106 |
| Net loans and leases to total assets | 73.4110% | 1,965 |
| Net loans and leases to deposits | 122.6190% | 88 |
| Net loans and leases to core deposits | 125.5781% | 380 |
| Total domestic deposits to total assets | 59.8691% | 5,891 |
| Equity capital to assets | 21.1703% | 193 |
| Core capital (leverage) ratio | 20.3617% | 191 |
| Tier 1 risk-based capital ratio | 34.8841% | 338 |
| Total risk-based capital ratio | 35.9653% | 337 |
| Memoranda: | ||
| Average total assets | $140,839,250 | 3,679 |
| Average earning assets | $125,778,750 | 3,736 |
| Average equity | $29,496,750 | 2,404 |
| Average total loans | $104,958,000 | 3,308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 721 |
| Cost of funding earning assets | 0.5584% | 1,634 |
| Net interest margin | 4.3438% | 863 |
| Noninterest income to average assets | 0.3622% | 4,171 |
| Noninterest expense to average assets | 3.3378% | 1,512 |
| Loan and lease loss provision to assets | 0.1420% | 1,599 |
| Net operating income to assets | 0.6428% | 4,083 |
| Return on assets (ROA) | 0.7854% | 3,528 |
| Pretax return on assets | 0.9431% | 3,798 |
| Return on Equity (ROE) | 3.7639% | 4,995 |
| Retained earnings to average equity (ytd only) | 2.7089% | 4,182 |
| Net charge-offs to loans | 0.5135% | 421 |
| Credit loss provision to net charge-offs | 37.0370% | 2,800 |
| Earnings coverage of net charge-offs (x) | 2.3815% | 3,283 |
| Efficiency ratio | 78.5165% | 1,708 |
| Assets per employee ($millions) | 4.0235% | 3,861 |
| Cash dividends to net income (ytd only)* | 28.0289% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,234 |
| Loan loss allowance to noncurrent loans | 42.3653% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 689 |
| Noncurrent loans to loans | 1.9277% | 1,047 |
| Net loans and leases to total assets | 73.2208% | 1,976 |
| Net loans and leases to deposits | 124.5859% | 70 |
| Net loans and leases to core deposits | 127.6616% | 338 |
| Total domestic deposits to total assets | 58.7714% | 5,979 |
| Equity capital to assets | 21.1963% | 177 |
| Core capital (leverage) ratio | 20.2416% | 188 |
| Tier 1 risk-based capital ratio | 34.6168% | 339 |
| Total risk-based capital ratio | 35.6596% | 341 |
| Memoranda: | ||
| Average total assets | $140,812,670 | 3,703 |
| Average earning assets | $126,064,670 | 3,759 |
| Average equity | $29,384,670 | 2,409 |
| Average total loans | $105,168,000 | 3,318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 690 |
| Cost of funding earning assets | 0.5939% | 1,372 |
| Net interest margin | 4.3088% | 917 |
| Noninterest income to average assets | 0.2670% | 4,821 |
| Noninterest expense to average assets | 3.3265% | 1,538 |
| Loan and lease loss provision to assets | 0.1704% | 1,209 |
| Net operating income to assets | 0.5585% | 4,377 |
| Return on assets (ROA) | 0.6647% | 4,027 |
| Pretax return on assets | 0.7670% | 4,318 |
| Return on Equity (ROE) | 3.2107% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.0840% | 4,805 |
| Net charge-offs to loans | 0.6921% | 311 |
| Credit loss provision to net charge-offs | 32.7869% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.5683% | 2,801 |
| Efficiency ratio | 80.3155% | 1,569 |
| Assets per employee ($millions) | 4.2820% | 3,434 |
| Cash dividends to net income (ytd only)* | 66.2393% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 5,232 |
| Loan loss allowance to noncurrent loans | 39.7869% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2335% | 727 |
| Noncurrent loans to loans | 2.1326% | 979 |
| Net loans and leases to total assets | 74.0959% | 1,712 |
| Net loans and leases to deposits | 127.3623% | 47 |
| Net loans and leases to core deposits | 130.5235% | 263 |
| Total domestic deposits to total assets | 58.1773% | 6,048 |
| Equity capital to assets | 20.6799% | 190 |
| Core capital (leverage) ratio | 19.9246% | 200 |
| Tier 1 risk-based capital ratio | 34.6295% | 345 |
| Total risk-based capital ratio | 35.7420% | 345 |
| Memoranda: | ||
| Average total assets | $140,808,000 | 3,725 |
| Average earning assets | $126,624,500 | 3,773 |
| Average equity | $29,152,500 | 2,426 |
| Average total loans | $105,772,000 | 3,323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 621 |
| Cost of funding earning assets | 0.5774% | 1,524 |
| Net interest margin | 4.4300% | 748 |
| Noninterest income to average assets | 0.4972% | 3,349 |
| Noninterest expense to average assets | 3.1658% | 2,046 |
| Loan and lease loss provision to assets | 0.1882% | 1,187 |
| Net operating income to assets | 0.8921% | 2,918 |
| Return on assets (ROA) | 0.8921% | 2,998 |
| Pretax return on assets | 1.1216% | 2,953 |
| Return on Equity (ROE) | 4.4132% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.3170% | 3,690 |
| Net charge-offs to loans | 0.0912% | 2,524 |
| Credit loss provision to net charge-offs | 270.4082% | 1,073 |
| Earnings coverage of net charge-offs (x) | 18.8163% | 1,990 |
| Efficiency ratio | 70.7348% | 3,103 |
| Assets per employee ($millions) | 4.3847% | 3,244 |
| Cash dividends to net income (ytd only)* | 24.8408% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,804 |
| Loan loss allowance to noncurrent loans | 44.9890% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.9414% | 922 |
| Noncurrent loans to loans | 2.1379% | 950 |
| Net loans and leases to total assets | 74.7823% | 1,604 |
| Net loans and leases to deposits | 124.5410% | 73 |
| Net loans and leases to core deposits | 127.5522% | 305 |
| Total domestic deposits to total assets | 60.0463% | 6,090 |
| Equity capital to assets | 20.7277% | 190 |
| Core capital (leverage) ratio | 19.8044% | 202 |
| Tier 1 risk-based capital ratio | 34.4127% | 349 |
| Total risk-based capital ratio | 35.6722% | 344 |
| Memoranda: | ||
| Average total assets | $140,787,200 | 3,709 |
| Average earning assets | $126,433,600 | 3,767 |
| Average equity | $28,459,800 | 2,425 |
| Average total loans | $107,506,400 | 3,249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 591 |
| Cost of funding earning assets | 0.5715% | 1,615 |
| Net interest margin | 4.4500% | 723 |
| Noninterest income to average assets | 0.5072% | 3,314 |
| Noninterest expense to average assets | 3.2124% | 1,939 |
| Loan and lease loss provision to assets | 0.1136% | 1,989 |
| Net operating income to assets | 0.9141% | 2,896 |
| Return on assets (ROA) | 0.9141% | 2,983 |
| Pretax return on assets | 1.1743% | 2,911 |
| Return on Equity (ROE) | 4.5505% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.0808% | 4,259 |
| Net charge-offs to loans | 0.1186% | 1,932 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 14.1767% | 2,264 |
| Efficiency ratio | 71.3835% | 2,983 |
| Assets per employee ($millions) | 4.1017% | 3,697 |
| Cash dividends to net income (ytd only)* | 32.2981% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 5,443 |
| Loan loss allowance to noncurrent loans | 33.3587% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3398% | 770 |
| Noncurrent loans to loans | 2.4829% | 825 |
| Net loans and leases to total assets | 75.2114% | 1,506 |
| Net loans and leases to deposits | 124.6868% | 70 |
| Net loans and leases to core deposits | 128.1118% | 308 |
| Total domestic deposits to total assets | 60.3202% | 6,172 |
| Equity capital to assets | 20.5128% | 212 |
| Core capital (leverage) ratio | 20.3743% | 190 |
| Tier 1 risk-based capital ratio | 38.5007% | 271 |
| Total risk-based capital ratio | 39.6805% | 272 |
| Memoranda: | ||
| Average total assets | $140,906,500 | 3,738 |
| Average earning assets | $126,440,000 | 3,804 |
| Average equity | $28,304,000 | 2,451 |
| Average total loans | $107,896,500 | 3,265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 476 |
| Cost of funding earning assets | 0.5612% | 1,719 |
| Net interest margin | 4.5649% | 559 |
| Noninterest income to average assets | 0.5899% | 2,795 |
| Noninterest expense to average assets | 3.3072% | 1,683 |
| Loan and lease loss provision to assets | 0.0919% | 2,280 |
| Net operating income to assets | 0.9675% | 2,549 |
| Return on assets (ROA) | 0.9675% | 2,657 |
| Pretax return on assets | 1.2872% | 2,409 |
| Return on Equity (ROE) | 4.8505% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.7443% | 3,631 |
| Net charge-offs to loans | 0.1805% | 1,376 |
| Credit loss provision to net charge-offs | 66.3265% | 2,522 |
| Earnings coverage of net charge-offs (x) | 9.9490% | 2,408 |
| Efficiency ratio | 70.5705% | 3,246 |
| Assets per employee ($millions) | 4.2664% | 3,364 |
| Cash dividends to net income (ytd only)* | 22.8070% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 5,678 |
| Loan loss allowance to noncurrent loans | 28.3587% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 2.6053% | 710 |
| Noncurrent loans to loans | 2.7016% | 798 |
| Net loans and leases to total assets | 75.3466% | 1,462 |
| Net loans and leases to deposits | 124.8523% | 69 |
| Net loans and leases to core deposits | 128.2423% | 304 |
| Total domestic deposits to total assets | 60.3486% | 6,246 |
| Equity capital to assets | 20.1190% | 219 |
| Core capital (leverage) ratio | 20.0892% | 201 |
| Tier 1 risk-based capital ratio | 32.6268% | 439 |
| Total risk-based capital ratio | 33.5657% | 441 |
| Memoranda: | ||
| Average total assets | $141,389,000 | 3,759 |
| Average earning assets | $126,881,000 | 3,823 |
| Average equity | $28,203,000 | 2,468 |
| Average total loans | $108,607,000 | 3,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 486 |
| Cost of funding earning assets | 0.5428% | 1,908 |
| Net interest margin | 4.5522% | 547 |
| Noninterest income to average assets | 0.5618% | 2,879 |
| Noninterest expense to average assets | 3.3172% | 1,679 |
| Loan and lease loss provision to assets | 0.0847% | 2,283 |
| Net operating income to assets | 0.9429% | 2,547 |
| Return on assets (ROA) | 0.9429% | 2,675 |
| Pretax return on assets | 1.2563% | 2,441 |
| Return on Equity (ROE) | 4.7474% | 4,641 |
| Retained earnings to average equity (ytd only) | 2.5301% | 4,423 |
| Net charge-offs to loans | -0.0037% | 4,431 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2121% | 3,294 |
| Assets per employee ($millions) | 4.1629% | 3,631 |
| Cash dividends to net income (ytd only)* | 46.7066% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 5,669 |
| Loan loss allowance to noncurrent loans | 31.0369% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 2.4629% | 876 |
| Noncurrent loans to loans | 2.6197% | 910 |
| Net loans and leases to total assets | 76.1043% | 1,194 |
| Net loans and leases to deposits | 126.8883% | 47 |
| Net loans and leases to core deposits | 130.3319% | 242 |
| Total domestic deposits to total assets | 59.9774% | 6,322 |
| Equity capital to assets | 19.9237% | 231 |
| Core capital (leverage) ratio | 19.7614% | 215 |
| Tier 1 risk-based capital ratio | 32.0426% | 457 |
| Total risk-based capital ratio | 33.0491% | 461 |
| Memoranda: | ||
| Average total assets | $141,687,500 | 3,786 |
| Average earning assets | $127,498,500 | 3,838 |
| Average equity | $28,141,500 | 2,492 |
| Average total loans | $109,460,000 | 3,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 471 |
| Cost of funding earning assets | 0.5633% | 2,115 |
| Net interest margin | 4.6961% | 523 |
| Noninterest income to average assets | 0.5287% | 3,301 |
| Noninterest expense to average assets | 3.1602% | 2,329 |
| Loan and lease loss provision to assets | 0.0588% | 3,357 |
| Net operating income to assets | 1.1216% | 1,895 |
| Return on assets (ROA) | 1.2068% | 1,621 |
| Pretax return on assets | 1.6683% | 1,052 |
| Return on Equity (ROE) | 6.4685% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.3076% | 2,400 |
| Net charge-offs to loans | 0.2430% | 1,752 |
| Credit loss provision to net charge-offs | 31.3653% | 3,818 |
| Earnings coverage of net charge-offs (x) | 8.5793% | 2,858 |
| Efficiency ratio | 66.2652% | 4,206 |
| Assets per employee ($millions) | 4.2980% | 3,370 |
| Cash dividends to net income (ytd only)* | 17.9472% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 5,844 |
| Loan loss allowance to noncurrent loans | 27.9253% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 892 |
| Noncurrent loans to loans | 2.7656% | 868 |
| Net loans and leases to total assets | 77.1791% | 1,112 |
| Net loans and leases to deposits | 130.7600% | 41 |
| Net loans and leases to core deposits | 134.7701% | 202 |
| Total domestic deposits to total assets | 59.0235% | 6,413 |
| Equity capital to assets | 19.7998% | 231 |
| Core capital (leverage) ratio | 19.1563% | 242 |
| Tier 1 risk-based capital ratio | 31.9584% | 430 |
| Total risk-based capital ratio | 32.9685% | 429 |
| Memoranda: | ||
| Average total assets | $144,517,800 | 3,715 |
| Average earning assets | $130,491,400 | 3,758 |
| Average equity | $26,961,400 | 2,493 |
| Average total loans | $111,539,800 | 3,189 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 451 |
| Cost of funding earning assets | 0.5712% | 2,094 |
| Net interest margin | 4.7116% | 493 |
| Noninterest income to average assets | 0.5253% | 3,360 |
| Noninterest expense to average assets | 3.1140% | 2,431 |
| Loan and lease loss provision to assets | 0.0597% | 3,167 |
| Net operating income to assets | 1.1697% | 1,794 |
| Return on assets (ROA) | 1.2214% | 1,663 |
| Pretax return on assets | 1.6796% | 1,114 |
| Return on Equity (ROE) | 6.6463% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.0822% | 3,034 |
| Net charge-offs to loans | 0.0989% | 2,812 |
| Credit loss provision to net charge-offs | 78.3133% | 2,627 |
| Earnings coverage of net charge-offs (x) | 21.8924% | 1,654 |
| Efficiency ratio | 65.1114% | 4,350 |
| Assets per employee ($millions) | 4.2621% | 3,355 |
| Cash dividends to net income (ytd only)* | 23.5337% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 5,554 |
| Loan loss allowance to noncurrent loans | 41.3123% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.9240% | 1,517 |
| Noncurrent loans to loans | 2.2178% | 1,363 |
| Net loans and leases to total assets | 76.1204% | 1,206 |
| Net loans and leases to deposits | 128.8576% | 47 |
| Net loans and leases to core deposits | 132.7149% | 209 |
| Total domestic deposits to total assets | 59.0732% | 6,498 |
| Equity capital to assets | 18.9856% | 270 |
| Core capital (leverage) ratio | 18.4476% | 276 |
| Tier 1 risk-based capital ratio | 31.2843% | 467 |
| Total risk-based capital ratio | 32.4859% | 459 |
| Memoranda: | ||
| Average total assets | $145,188,500 | 3,741 |
| Average earning assets | $131,189,500 | 3,765 |
| Average equity | $26,681,000 | 2,522 |
| Average total loans | $111,845,000 | 3,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 484 |
| Cost of funding earning assets | 0.5835% | 2,040 |
| Net interest margin | 4.6438% | 536 |
| Noninterest income to average assets | 0.5975% | 2,822 |
| Noninterest expense to average assets | 3.1208% | 2,421 |
| Loan and lease loss provision to assets | 0.0688% | 2,893 |
| Net operating income to assets | 1.1467% | 1,766 |
| Return on assets (ROA) | 1.1467% | 1,853 |
| Pretax return on assets | 1.6038% | 1,245 |
| Return on Equity (ROE) | 6.3097% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1204% | 2,885 |
| Net charge-offs to loans | 0.0928% | 2,753 |
| Credit loss provision to net charge-offs | 96.1538% | 2,078 |
| Earnings coverage of net charge-offs (x) | 23.3654% | 1,474 |
| Efficiency ratio | 65.1063% | 4,510 |
| Assets per employee ($millions) | 4.2728% | 3,325 |
| Cash dividends to net income (ytd only)* | 18.8475% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 5,625 |
| Loan loss allowance to noncurrent loans | 53.4021% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 2,097 |
| Noncurrent loans to loans | 1.7444% | 1,978 |
| Net loans and leases to total assets | 75.8417% | 1,190 |
| Net loans and leases to deposits | 125.2831% | 54 |
| Net loans and leases to core deposits | 128.5501% | 244 |
| Total domestic deposits to total assets | 60.5362% | 6,554 |
| Equity capital to assets | 18.6047% | 288 |
| Core capital (leverage) ratio | 18.1517% | 288 |
| Tier 1 risk-based capital ratio | 31.0358% | 483 |
| Total risk-based capital ratio | 32.2619% | 478 |
| Memoranda: | ||
| Average total assets | $145,281,330 | 3,757 |
| Average earning assets | $131,273,000 | 3,778 |
| Average equity | $26,404,000 | 2,533 |
| Average total loans | $112,018,000 | 3,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 435 |
| Cost of funding earning assets | 0.6125% | 1,873 |
| Net interest margin | 4.6533% | 503 |
| Noninterest income to average assets | 0.5617% | 2,974 |
| Noninterest expense to average assets | 3.1552% | 2,363 |
| Loan and lease loss provision to assets | 0.0688% | 2,755 |
| Net operating income to assets | 1.1095% | 1,782 |
| Return on assets (ROA) | 1.1095% | 1,836 |
| Pretax return on assets | 1.5418% | 1,307 |
| Return on Equity (ROE) | 6.1781% | 3,927 |
| Retained earnings to average equity (ytd only) | 3.7713% | 3,865 |
| Net charge-offs to loans | 0.1174% | 2,020 |
| Credit loss provision to net charge-offs | 75.7576% | 1,951 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,446 |
| Efficiency ratio | 66.2045% | 4,498 |
| Assets per employee ($millions) | 4.4010% | 3,148 |
| Cash dividends to net income (ytd only)* | 38.9578% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 5,797 |
| Loan loss allowance to noncurrent loans | 56.0697% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 2,356 |
| Noncurrent loans to loans | 1.6442% | 2,366 |
| Net loans and leases to total assets | 76.2187% | 978 |
| Net loans and leases to deposits | 126.3241% | 43 |
| Net loans and leases to core deposits | 129.6517% | 190 |
| Total domestic deposits to total assets | 60.3359% | 6,640 |
| Equity capital to assets | 18.1399% | 319 |
| Core capital (leverage) ratio | 17.8367% | 310 |
| Tier 1 risk-based capital ratio | 30.3496% | 513 |
| Total risk-based capital ratio | 31.5608% | 506 |
| Memoranda: | ||
| Average total assets | $145,284,500 | 3,781 |
| Average earning assets | $131,261,000 | 3,814 |
| Average equity | $26,092,000 | 2,542 |
| Average total loans | $112,419,500 | 3,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 428 |
| Cost of funding earning assets | 0.6664% | 2,059 |
| Net interest margin | 4.7396% | 482 |
| Noninterest income to average assets | 0.6377% | 2,877 |
| Noninterest expense to average assets | 3.0486% | 2,903 |
| Loan and lease loss provision to assets | 0.0582% | 3,973 |
| Net operating income to assets | 1.2592% | 1,368 |
| Return on assets (ROA) | 1.2822% | 1,353 |
| Pretax return on assets | 1.8356% | 692 |
| Return on Equity (ROE) | 7.3021% | 3,407 |
| Retained earnings to average equity (ytd only) | 4.3376% | 3,091 |
| Net charge-offs to loans | 0.0141% | 5,168 |
| Credit loss provision to net charge-offs | 531.2500% | 442 |
| Earnings coverage of net charge-offs (x) | 169.8125% | 277 |
| Efficiency ratio | 62.0954% | 5,194 |
| Assets per employee ($millions) | 4.2746% | 3,308 |
| Cash dividends to net income (ytd only)* | 40.5983% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 5,868 |
| Loan loss allowance to noncurrent loans | 44.0577% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 2,084 |
| Noncurrent loans to loans | 2.0828% | 1,903 |
| Net loans and leases to total assets | 77.1153% | 941 |
| Net loans and leases to deposits | 122.1082% | 59 |
| Net loans and leases to core deposits | 124.7851% | 253 |
| Total domestic deposits to total assets | 63.1532% | 6,683 |
| Equity capital to assets | 17.7787% | 333 |
| Core capital (leverage) ratio | 17.6699% | 317 |
| Tier 1 risk-based capital ratio | 29.7146% | 512 |
| Total risk-based capital ratio | 30.9173% | 507 |
| Memoranda: | ||
| Average total assets | $146,000,400 | 3,767 |
| Average earning assets | $131,592,800 | 3,807 |
| Average equity | $25,636,400 | 2,573 |
| Average total loans | $113,437,600 | 3,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 397 |
| Cost of funding earning assets | 0.6775% | 2,115 |
| Net interest margin | 4.7817% | 449 |
| Noninterest income to average assets | 0.6385% | 2,934 |
| Noninterest expense to average assets | 3.0248% | 2,903 |
| Loan and lease loss provision to assets | 0.0639% | 3,775 |
| Net operating income to assets | 1.2945% | 1,368 |
| Return on assets (ROA) | 1.3245% | 1,338 |
| Pretax return on assets | 1.9001% | 710 |
| Return on Equity (ROE) | 7.5665% | 3,339 |
| Retained earnings to average equity (ytd only) | 3.6061% | 4,125 |
| Net charge-offs to loans | 0.0176% | 4,776 |
| Credit loss provision to net charge-offs | 466.6667% | 571 |
| Earnings coverage of net charge-offs (x) | 140.3965% | 392 |
| Efficiency ratio | 61.1582% | 5,250 |
| Assets per employee ($millions) | 4.2355% | 3,354 |
| Cash dividends to net income (ytd only)* | 52.3417% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 6,007 |
| Loan loss allowance to noncurrent loans | 65.8945% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 3,179 |
| Noncurrent loans to loans | 1.3963% | 3,078 |
| Net loans and leases to total assets | 76.5739% | 924 |
| Net loans and leases to deposits | 115.0454% | 105 |
| Net loans and leases to core deposits | 117.4558% | 365 |
| Total domestic deposits to total assets | 66.5597% | 6,695 |
| Equity capital to assets | 17.6979% | 354 |
| Core capital (leverage) ratio | 17.5851% | 332 |
| Tier 1 risk-based capital ratio | 29.9739% | 518 |
| Total risk-based capital ratio | 31.1876% | 514 |
| Memoranda: | ||
| Average total assets | $146,166,250 | 3,809 |
| Average earning assets | $131,665,500 | 3,846 |
| Average equity | $25,585,750 | 2,608 |
| Average total loans | $113,518,250 | 3,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 384 |
| Cost of funding earning assets | 0.6881% | 2,157 |
| Net interest margin | 4.7998% | 435 |
| Noninterest income to average assets | 0.6182% | 3,085 |
| Noninterest expense to average assets | 2.9846% | 3,052 |
| Loan and lease loss provision to assets | 0.0817% | 3,430 |
| Net operating income to assets | 1.2718% | 1,397 |
| Return on assets (ROA) | 1.3153% | 1,368 |
| Pretax return on assets | 1.9376% | 684 |
| Return on Equity (ROE) | 7.5413% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.5747% | 3,359 |
| Net charge-offs to loans | 0.0210% | 4,420 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 119.6667% | 403 |
| Efficiency ratio | 60.4190% | 5,416 |
| Assets per employee ($millions) | 4.2888% | 3,195 |
| Cash dividends to net income (ytd only)* | 39.3375% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 6,107 |
| Loan loss allowance to noncurrent loans | 50.0246% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3942% | 3,017 |
| Noncurrent loans to loans | 1.8184% | 2,611 |
| Net loans and leases to total assets | 75.9724% | 989 |
| Net loans and leases to deposits | 116.7095% | 81 |
| Net loans and leases to core deposits | 119.1740% | 331 |
| Total domestic deposits to total assets | 65.0953% | 6,775 |
| Equity capital to assets | 17.4325% | 375 |
| Core capital (leverage) ratio | 17.3100% | 343 |
| Tier 1 risk-based capital ratio | 29.9766% | 519 |
| Total risk-based capital ratio | 31.1861% | 520 |
| Memoranda: | ||
| Average total assets | $146,886,330 | 3,822 |
| Average earning assets | $132,255,330 | 3,860 |
| Average equity | $25,619,000 | 2,612 |
| Average total loans | $114,259,330 | 3,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 328 |
| Cost of funding earning assets | 0.6957% | 2,258 |
| Net interest margin | 4.8788% | 351 |
| Noninterest income to average assets | 0.5996% | 3,139 |
| Noninterest expense to average assets | 2.9874% | 3,030 |
| Loan and lease loss provision to assets | 0.0814% | 3,293 |
| Net operating income to assets | 1.3134% | 1,245 |
| Return on assets (ROA) | 1.4001% | 1,113 |
| Pretax return on assets | 2.0730% | 523 |
| Return on Equity (ROE) | 8.0254% | 2,958 |
| Retained earnings to average equity (ytd only) | 2.1152% | 4,947 |
| Net charge-offs to loans | 0.0173% | 3,809 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 149.4000% | 268 |
| Efficiency ratio | 59.5779% | 5,649 |
| Assets per employee ($millions) | 4.3011% | 3,337 |
| Cash dividends to net income (ytd only)* | 73.6434% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,328 |
| Loan loss allowance to noncurrent loans | 55.4688% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 3,520 |
| Noncurrent loans to loans | 1.5673% | 3,187 |
| Net loans and leases to total assets | 77.5033% | 666 |
| Net loans and leases to deposits | 124.2232% | 52 |
| Net loans and leases to core deposits | 126.9503% | 198 |
| Total domestic deposits to total assets | 62.3903% | 6,892 |
| Equity capital to assets | 17.4789% | 373 |
| Core capital (leverage) ratio | 17.1293% | 341 |
| Tier 1 risk-based capital ratio | 29.0286% | 581 |
| Total risk-based capital ratio | 30.1903% | 579 |
| Memoranda: | ||
| Average total assets | $147,419,500 | 3,854 |
| Average earning assets | $133,394,000 | 3,872 |
| Average equity | $25,718,500 | 2,637 |
| Average total loans | $115,489,000 | 3,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 409 |
| Cost of funding earning assets | 0.8574% | 2,238 |
| Net interest margin | 4.8801% | 466 |
| Noninterest income to average assets | 0.5492% | 3,588 |
| Noninterest expense to average assets | 2.8875% | 3,687 |
| Loan and lease loss provision to assets | 0.1896% | 3,266 |
| Net operating income to assets | 1.2882% | 1,339 |
| Return on assets (ROA) | 1.3476% | 1,326 |
| Pretax return on assets | 1.9685% | 635 |
| Return on Equity (ROE) | 7.8811% | 3,138 |
| Retained earnings to average equity (ytd only) | 4.8514% | 2,807 |
| Net charge-offs to loans | 0.0749% | 4,932 |
| Credit loss provision to net charge-offs | 325.5814% | 749 |
| Earnings coverage of net charge-offs (x) | 35.5581% | 885 |
| Efficiency ratio | 58.2355% | 5,794 |
| Assets per employee ($millions) | 4.3706% | 3,209 |
| Cash dividends to net income (ytd only)* | 38.4422% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,428 |
| Loan loss allowance to noncurrent loans | 50.9732% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 3,389 |
| Noncurrent loans to loans | 1.6297% | 3,184 |
| Net loans and leases to total assets | 77.8432% | 698 |
| Net loans and leases to deposits | 127.4965% | 48 |
| Net loans and leases to core deposits | 130.7638% | 181 |
| Total domestic deposits to total assets | 61.0552% | 6,968 |
| Equity capital to assets | 17.4132% | 376 |
| Core capital (leverage) ratio | 16.8634% | 367 |
| Tier 1 risk-based capital ratio | 28.3588% | 601 |
| Total risk-based capital ratio | 29.4674% | 596 |
| Memoranda: | ||
| Average total assets | $147,672,600 | 3,811 |
| Average earning assets | $133,420,600 | 3,835 |
| Average equity | $25,250,200 | 2,629 |
| Average total loans | $114,885,600 | 3,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 410 |
| Cost of funding earning assets | 0.8751% | 2,355 |
| Net interest margin | 4.9041% | 465 |
| Noninterest income to average assets | 0.6122% | 3,200 |
| Noninterest expense to average assets | 2.8720% | 3,700 |
| Loan and lease loss provision to assets | 0.2261% | 2,800 |
| Net operating income to assets | 1.3393% | 1,352 |
| Return on assets (ROA) | 1.3393% | 1,491 |
| Pretax return on assets | 1.9433% | 787 |
| Return on Equity (ROE) | 7.8690% | 3,339 |
| Retained earnings to average equity (ytd only) | 3.8043% | 4,213 |
| Net charge-offs to loans | 0.0955% | 4,426 |
| Credit loss provision to net charge-offs | 304.8780% | 884 |
| Earnings coverage of net charge-offs (x) | 29.2563% | 1,119 |
| Efficiency ratio | 56.9686% | 5,922 |
| Assets per employee ($millions) | 4.1844% | 3,508 |
| Cash dividends to net income (ytd only)* | 51.6540% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 6,546 |
| Loan loss allowance to noncurrent loans | 54.1954% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 3,703 |
| Noncurrent loans to loans | 1.5223% | 3,499 |
| Net loans and leases to total assets | 77.4044% | 806 |
| Net loans and leases to deposits | 124.5397% | 59 |
| Net loans and leases to core deposits | 127.7120% | 211 |
| Total domestic deposits to total assets | 62.1524% | 7,042 |
| Equity capital to assets | 17.4547% | 404 |
| Core capital (leverage) ratio | 16.8083% | 390 |
| Tier 1 risk-based capital ratio | 28.1606% | 645 |
| Total risk-based capital ratio | 29.2527% | 646 |
| Memoranda: | ||
| Average total assets | $147,440,750 | 3,855 |
| Average earning assets | $133,164,250 | 3,881 |
| Average equity | $25,093,750 | 2,677 |
| Average total loans | $114,446,000 | 3,225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 400 |
| Cost of funding earning assets | 0.8888% | 2,495 |
| Net interest margin | 4.9297% | 442 |
| Noninterest income to average assets | 0.6023% | 3,244 |
| Noninterest expense to average assets | 2.8950% | 3,637 |
| Loan and lease loss provision to assets | 0.1759% | 3,340 |
| Net operating income to assets | 1.3250% | 1,373 |
| Return on assets (ROA) | 1.3250% | 1,523 |
| Pretax return on assets | 1.9828% | 712 |
| Return on Equity (ROE) | 7.8517% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.7639% | 3,439 |
| Net charge-offs to loans | 0.1485% | 3,725 |
| Credit loss provision to net charge-offs | 152.9412% | 1,812 |
| Earnings coverage of net charge-offs (x) | 18.7647% | 1,469 |
| Efficiency ratio | 57.2844% | 5,956 |
| Assets per employee ($millions) | 4.3295% | 3,202 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 6,803 |
| Loan loss allowance to noncurrent loans | 71.1806% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 4,587 |
| Noncurrent loans to loans | 1.0118% | 4,488 |
| Net loans and leases to total assets | 76.7907% | 867 |
| Net loans and leases to deposits | 122.6951% | 64 |
| Net loans and leases to core deposits | 125.7736% | 249 |
| Total domestic deposits to total assets | 62.5866% | 7,105 |
| Equity capital to assets | 17.1239% | 429 |
| Core capital (leverage) ratio | 16.6196% | 397 |
| Tier 1 risk-based capital ratio | 28.2154% | 628 |
| Total risk-based capital ratio | 29.1712% | 630 |
| Memoranda: | ||
| Average total assets | $147,770,000 | 3,875 |
| Average earning assets | $133,435,670 | 3,897 |
| Average equity | $24,937,330 | 2,678 |
| Average total loans | $114,493,330 | 3,242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 352 |
| Cost of funding earning assets | 0.9200% | 2,521 |
| Net interest margin | 4.9945% | 403 |
| Noninterest income to average assets | 0.5917% | 3,290 |
| Noninterest expense to average assets | 2.9638% | 3,412 |
| Loan and lease loss provision to assets | 0.2432% | 2,523 |
| Net operating income to assets | 1.2752% | 1,521 |
| Return on assets (ROA) | 1.2752% | 1,691 |
| Pretax return on assets | 1.9020% | 872 |
| Return on Equity (ROE) | 7.6121% | 3,444 |
| Retained earnings to average equity (ytd only) | 1.4031% | 5,533 |
| Net charge-offs to loans | 0.2892% | 2,515 |
| Credit loss provision to net charge-offs | 108.4337% | 2,158 |
| Earnings coverage of net charge-offs (x) | 9.5663% | 1,833 |
| Efficiency ratio | 58.0116% | 5,916 |
| Assets per employee ($millions) | 4.3369% | 3,323 |
| Cash dividends to net income (ytd only)* | 81.5678% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 6,890 |
| Loan loss allowance to noncurrent loans | 80.1230% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,712 |
| Noncurrent loans to loans | 0.8586% | 4,956 |
| Net loans and leases to total assets | 76.5568% | 741 |
| Net loans and leases to deposits | 125.9031% | 52 |
| Net loans and leases to core deposits | 129.1041% | 210 |
| Total domestic deposits to total assets | 60.8061% | 7,186 |
| Equity capital to assets | 16.8351% | 455 |
| Core capital (leverage) ratio | 16.3260% | 432 |
| Tier 1 risk-based capital ratio | 27.6516% | 671 |
| Total risk-based capital ratio | 28.5595% | 684 |
| Memoranda: | ||
| Average total assets | $148,053,000 | 3,910 |
| Average earning assets | $133,906,500 | 3,913 |
| Average equity | $24,802,500 | 2,682 |
| Average total loans | $114,810,500 | 3,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9870% | 439 |
| Cost of funding earning assets | 1.1594% | 2,286 |
| Net interest margin | 4.8275% | 590 |
| Noninterest income to average assets | 0.5263% | 3,672 |
| Noninterest expense to average assets | 2.7774% | 4,438 |
| Loan and lease loss provision to assets | 0.2894% | 3,354 |
| Net operating income to assets | 1.2501% | 1,381 |
| Return on assets (ROA) | 1.2605% | 1,447 |
| Pretax return on assets | 1.8743% | 701 |
| Return on Equity (ROE) | 7.8527% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.3581% | 2,403 |
| Net charge-offs to loans | 0.4790% | 3,077 |
| Credit loss provision to net charge-offs | 76.9231% | 4,599 |
| Earnings coverage of net charge-offs (x) | 5.7102% | 2,704 |
| Efficiency ratio | 56.3875% | 6,265 |
| Assets per employee ($millions) | 4.3721% | 3,113 |
| Cash dividends to net income (ytd only)* | 31.7672% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 6,970 |
| Loan loss allowance to noncurrent loans | 45.1691% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 3,739 |
| Noncurrent loans to loans | 1.4282% | 4,020 |
| Net loans and leases to total assets | 77.4998% | 774 |
| Net loans and leases to deposits | 125.5709% | 65 |
| Net loans and leases to core deposits | 128.7149% | 249 |
| Total domestic deposits to total assets | 61.7180% | 7,208 |
| Equity capital to assets | 16.6705% | 492 |
| Core capital (leverage) ratio | 16.6678% | 397 |
| Tier 1 risk-based capital ratio | 30.0284% | 518 |
| Total risk-based capital ratio | 30.1323% | 563 |
| Memoranda: | ||
| Average total assets | $148,592,000 | 3,828 |
| Average earning assets | $135,410,600 | 3,832 |
| Average equity | $23,851,800 | 2,684 |
| Average total loans | $116,695,800 | 3,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 444 |
| Cost of funding earning assets | 1.1982% | 2,328 |
| Net interest margin | 4.8155% | 605 |
| Noninterest income to average assets | 0.5348% | 3,618 |
| Noninterest expense to average assets | 2.7765% | 4,431 |
| Loan and lease loss provision to assets | 0.3275% | 2,916 |
| Net operating income to assets | 1.2303% | 1,575 |
| Return on assets (ROA) | 1.2303% | 1,678 |
| Pretax return on assets | 1.8163% | 924 |
| Return on Equity (ROE) | 7.7392% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.3804% | 3,608 |
| Net charge-offs to loans | 0.6274% | 2,370 |
| Credit loss provision to net charge-offs | 66.3636% | 4,590 |
| Earnings coverage of net charge-offs (x) | 4.3436% | 3,099 |
| Efficiency ratio | 56.4290% | 6,222 |
| Assets per employee ($millions) | 4.1575% | 3,525 |
| Cash dividends to net income (ytd only)* | 43.3989% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 7,093 |
| Loan loss allowance to noncurrent loans | 35.7216% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 3,623 |
| Noncurrent loans to loans | 1.6582% | 3,812 |
| Net loans and leases to total assets | 77.7063% | 740 |
| Net loans and leases to deposits | 125.3400% | 67 |
| Net loans and leases to core deposits | 129.8532% | 248 |
| Total domestic deposits to total assets | 61.9964% | 7,275 |
| Equity capital to assets | 16.1555% | 603 |
| Core capital (leverage) ratio | 16.1995% | 479 |
| Tier 1 risk-based capital ratio | 28.9316% | 600 |
| Total risk-based capital ratio | 28.8017% | 678 |
| Memoranda: | ||
| Average total assets | $148,577,000 | 3,850 |
| Average earning assets | $135,310,500 | 3,855 |
| Average equity | $23,619,500 | 2,711 |
| Average total loans | $116,881,500 | 3,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0575% | 422 |
| Cost of funding earning assets | 1.2337% | 2,360 |
| Net interest margin | 4.8238% | 582 |
| Noninterest income to average assets | 0.5883% | 3,204 |
| Noninterest expense to average assets | 2.7960% | 4,433 |
| Loan and lease loss provision to assets | 0.1552% | 4,372 |
| Net operating income to assets | 1.3508% | 1,191 |
| Return on assets (ROA) | 1.3508% | 1,262 |
| Pretax return on assets | 2.0322% | 557 |
| Return on Equity (ROE) | 8.5436% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,328 |
| Net charge-offs to loans | 0.3013% | 3,364 |
| Credit loss provision to net charge-offs | 65.3409% | 4,192 |
| Earnings coverage of net charge-offs (x) | 9.2102% | 1,952 |
| Efficiency ratio | 56.1061% | 6,414 |
| Assets per employee ($millions) | 4.1392% | 3,469 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6969% | 7,025 |
| Loan loss allowance to noncurrent loans | 53.6441% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 4,215 |
| Noncurrent loans to loans | 1.2991% | 4,477 |
| Net loans and leases to total assets | 78.1298% | 762 |
| Net loans and leases to deposits | 128.2901% | 61 |
| Net loans and leases to core deposits | 133.0020% | 238 |
| Total domestic deposits to total assets | 60.9009% | 7,366 |
| Equity capital to assets | 16.0968% | 602 |
| Core capital (leverage) ratio | 16.1867% | 484 |
| Tier 1 risk-based capital ratio | 28.9010% | 606 |
| Total risk-based capital ratio | 28.9974% | 660 |
| Memoranda: | ||
| Average total assets | $148,212,670 | 3,880 |
| Average earning assets | $135,038,330 | 3,886 |
| Average equity | $23,432,670 | 2,710 |
| Average total loans | $116,843,330 | 3,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 388 |
| Cost of funding earning assets | 1.2611% | 2,420 |
| Net interest margin | 4.8545% | 507 |
| Noninterest income to average assets | 0.5981% | 3,179 |
| Noninterest expense to average assets | 2.7927% | 4,473 |
| Loan and lease loss provision to assets | 0.1353% | 4,319 |
| Net operating income to assets | 1.3991% | 1,063 |
| Return on assets (ROA) | 1.3991% | 1,104 |
| Pretax return on assets | 2.0972% | 474 |
| Return on Equity (ROE) | 8.9307% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.3032% | 3,005 |
| Net charge-offs to loans | 0.1029% | 3,928 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 896 |
| Efficiency ratio | 55.5735% | 6,549 |
| Assets per employee ($millions) | 4.3658% | 3,099 |
| Cash dividends to net income (ytd only)* | 40.6190% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 6,982 |
| Loan loss allowance to noncurrent loans | 83.1941% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 4,852 |
| Noncurrent loans to loans | 0.9209% | 5,193 |
| Net loans and leases to total assets | 78.1854% | 707 |
| Net loans and leases to deposits | 127.6659% | 64 |
| Net loans and leases to core deposits | 132.3164% | 244 |
| Total domestic deposits to total assets | 61.2421% | 7,417 |
| Equity capital to assets | 15.7521% | 615 |
| Core capital (leverage) ratio | 15.9343% | 512 |
| Tier 1 risk-based capital ratio | 28.3958% | 610 |
| Total risk-based capital ratio | 29.3963% | 610 |
| Memoranda: | ||
| Average total assets | $147,813,500 | 3,917 |
| Average earning assets | $134,801,500 | 3,917 |
| Average equity | $23,156,000 | 2,729 |
| Average total loans | $116,645,500 | 3,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1774% | 598 |
| Cost of funding earning assets | 1.4886% | 2,712 |
| Net interest margin | 4.6888% | 838 |
| Noninterest income to average assets | 0.5764% | 3,614 |
| Noninterest expense to average assets | 2.8651% | 4,360 |
| Loan and lease loss provision to assets | 0.1503% | 5,695 |
| Net operating income to assets | 1.2252% | 1,358 |
| Return on assets (ROA) | 1.2458% | 1,373 |
| Pretax return on assets | 1.8686% | 654 |
| Return on Equity (ROE) | 8.1384% | 2,648 |
| Retained earnings to average equity (ytd only) | 6.6436% | 1,483 |
| Net charge-offs to loans | 0.1049% | 5,819 |
| Credit loss provision to net charge-offs | 181.8182% | 1,818 |
| Earnings coverage of net charge-offs (x) | 24.0579% | 878 |
| Efficiency ratio | 59.0346% | 6,192 |
| Assets per employee ($millions) | 4.0886% | 3,599 |
| Cash dividends to net income (ytd only)* | 18.3662% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 7,055 |
| Loan loss allowance to noncurrent loans | 47.5570% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 4,047 |
| Noncurrent loans to loans | 1.5833% | 4,125 |
| Net loans and leases to total assets | 78.4449% | 880 |
| Net loans and leases to deposits | 125.7781% | 89 |
| Net loans and leases to core deposits | 130.4180% | 326 |
| Total domestic deposits to total assets | 62.3677% | 7,476 |
| Equity capital to assets | 15.5785% | 664 |
| Core capital (leverage) ratio | 15.8390% | 528 |
| Tier 1 risk-based capital ratio | 28.1428% | 596 |
| Total risk-based capital ratio | 29.1232% | 601 |
| Memoranda: | ||
| Average total assets | $146,417,600 | 3,938 |
| Average earning assets | $133,551,800 | 3,940 |
| Average equity | $22,412,400 | 2,831 |
| Average total loans | $115,370,600 | 3,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1996% | 620 |
| Cost of funding earning assets | 1.5254% | 2,802 |
| Net interest margin | 4.6742% | 900 |
| Noninterest income to average assets | 0.5544% | 3,762 |
| Noninterest expense to average assets | 2.8950% | 4,110 |
| Loan and lease loss provision to assets | 0.1596% | 5,445 |
| Net operating income to assets | 1.1808% | 1,650 |
| Return on assets (ROA) | 1.1808% | 1,738 |
| Pretax return on assets | 1.7607% | 992 |
| Return on Equity (ROE) | 7.7486% | 3,007 |
| Retained earnings to average equity (ytd only) | 5.7442% | 2,514 |
| Net charge-offs to loans | 0.1193% | 5,358 |
| Credit loss provision to net charge-offs | 169.9029% | 2,188 |
| Earnings coverage of net charge-offs (x) | 20.4466% | 1,166 |
| Efficiency ratio | 60.1212% | 5,930 |
| Assets per employee ($millions) | 4.1979% | 3,447 |
| Cash dividends to net income (ytd only)* | 25.8690% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 7,137 |
| Loan loss allowance to noncurrent loans | 74.4737% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 4,860 |
| Noncurrent loans to loans | 0.9892% | 5,259 |
| Net loans and leases to total assets | 77.8616% | 1,062 |
| Net loans and leases to deposits | 123.3266% | 98 |
| Net loans and leases to core deposits | 127.8001% | 417 |
| Total domestic deposits to total assets | 63.1345% | 7,539 |
| Equity capital to assets | 15.5493% | 760 |
| Core capital (leverage) ratio | 15.5902% | 624 |
| Tier 1 risk-based capital ratio | 27.7918% | 643 |
| Total risk-based capital ratio | 28.8290% | 645 |
| Memoranda: | ||
| Average total assets | $146,224,500 | 3,997 |
| Average earning assets | $133,296,500 | 4,003 |
| Average equity | $22,283,000 | 2,893 |
| Average total loans | $115,128,500 | 3,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1547% | 682 |
| Cost of funding earning assets | 1.5563% | 2,927 |
| Net interest margin | 4.5984% | 1,000 |
| Noninterest income to average assets | 0.5302% | 3,878 |
| Noninterest expense to average assets | 2.8673% | 4,199 |
| Loan and lease loss provision to assets | 0.1164% | 5,734 |
| Net operating income to assets | 1.1645% | 1,662 |
| Return on assets (ROA) | 1.1645% | 1,720 |
| Pretax return on assets | 1.7357% | 988 |
| Return on Equity (ROE) | 7.6939% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,249 |
| Net charge-offs to loans | 0.0330% | 5,889 |
| Credit loss provision to net charge-offs | 447.3684% | 810 |
| Earnings coverage of net charge-offs (x) | 71.1579% | 444 |
| Efficiency ratio | 60.7547% | 5,905 |
| Assets per employee ($millions) | 4.0825% | 3,603 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 7,179 |
| Loan loss allowance to noncurrent loans | 49.8522% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 4,205 |
| Noncurrent loans to loans | 1.4717% | 4,499 |
| Net loans and leases to total assets | 77.6084% | 1,176 |
| Net loans and leases to deposits | 125.2839% | 90 |
| Net loans and leases to core deposits | 129.1232% | 434 |
| Total domestic deposits to total assets | 61.9460% | 7,628 |
| Equity capital to assets | 15.3562% | 803 |
| Core capital (leverage) ratio | 15.3727% | 652 |
| Tier 1 risk-based capital ratio | 27.3391% | 674 |
| Total risk-based capital ratio | 28.3648% | 678 |
| Memoranda: | ||
| Average total assets | $145,990,670 | 4,031 |
| Average earning assets | $133,003,670 | 4,039 |
| Average equity | $22,095,330 | 2,913 |
| Average total loans | $115,088,670 | 3,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 584 |
| Cost of funding earning assets | 1.5718% | 3,130 |
| Net interest margin | 4.6701% | 833 |
| Noninterest income to average assets | 0.5168% | 3,921 |
| Noninterest expense to average assets | 2.9141% | 4,002 |
| Loan and lease loss provision to assets | 0.1100% | 5,523 |
| Net operating income to assets | 1.1684% | 1,617 |
| Return on assets (ROA) | 1.1684% | 1,697 |
| Pretax return on assets | 1.7484% | 972 |
| Return on Equity (ROE) | 7.7773% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.6664% | 3,341 |
| Net charge-offs to loans | 0.0764% | 4,651 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 30.7273% | 855 |
| Efficiency ratio | 61.0599% | 5,992 |
| Assets per employee ($millions) | 4.2994% | 3,292 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 7,356 |
| Loan loss allowance to noncurrent loans | 108.7671% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 5,440 |
| Noncurrent loans to loans | 0.6341% | 6,051 |
| Net loans and leases to total assets | 78.2159% | 1,108 |
| Net loans and leases to deposits | 126.3968% | 94 |
| Net loans and leases to core deposits | 132.2079% | 434 |
| Total domestic deposits to total assets | 61.8812% | 7,722 |
| Equity capital to assets | 15.0691% | 868 |
| Core capital (leverage) ratio | 15.1297% | 729 |
| Tier 1 risk-based capital ratio | 26.8139% | 723 |
| Total risk-based capital ratio | 27.7797% | 722 |
| Memoranda: | ||
| Average total assets | $145,501,000 | 4,103 |
| Average earning assets | $132,588,000 | 4,107 |
| Average equity | $21,858,500 | 2,965 |
| Average total loans | $115,181,000 | 3,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2585% | 1,097 |
| Cost of funding earning assets | 2.0991% | 2,464 |
| Net interest margin | 4.1594% | 2,210 |
| Noninterest income to average assets | 0.6061% | 3,583 |
| Noninterest expense to average assets | 2.8980% | 4,534 |
| Loan and lease loss provision to assets | 0.0638% | 6,933 |
| Net operating income to assets | 0.9618% | 1,980 |
| Return on assets (ROA) | 0.9599% | 2,031 |
| Pretax return on assets | 1.4341% | 1,350 |
| Return on Equity (ROE) | 6.3562% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.6006% | 2,665 |
| Net charge-offs to loans | 0.1422% | 5,812 |
| Credit loss provision to net charge-offs | 55.2147% | 6,692 |
| Earnings coverage of net charge-offs (x) | 12.9877% | 1,459 |
| Efficiency ratio | 65.8824% | 5,415 |
| Assets per employee ($millions) | 3.9141% | 3,993 |
| Cash dividends to net income (ytd only)* | 43.3530% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 7,428 |
| Loan loss allowance to noncurrent loans | 81.9430% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 4,973 |
| Noncurrent loans to loans | 0.8218% | 5,646 |
| Net loans and leases to total assets | 79.0322% | 1,174 |
| Net loans and leases to deposits | 122.1476% | 147 |
| Net loans and leases to core deposits | 138.7093% | 852 |
| Total domestic deposits to total assets | 64.7022% | 7,683 |
| Equity capital to assets | 14.9763% | 916 |
| Core capital (leverage) ratio | 15.0842% | 761 |
| Tier 1 risk-based capital ratio | 26.4529% | 734 |
| Total risk-based capital ratio | 27.3950% | 735 |
| Memoranda: | ||
| Average total assets | $141,060,400 | 4,101 |
| Average earning assets | $128,624,600 | 4,118 |
| Average equity | $21,302,200 | 3,040 |
| Average total loans | $114,605,400 | 3,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2647% | 1,207 |
| Cost of funding earning assets | 2.2027% | 2,403 |
| Net interest margin | 4.0621% | 2,540 |
| Noninterest income to average assets | 0.6118% | 3,605 |
| Noninterest expense to average assets | 2.8927% | 4,485 |
| Loan and lease loss provision to assets | 0.0571% | 6,794 |
| Net operating income to assets | 0.9122% | 2,382 |
| Return on assets (ROA) | 0.9097% | 2,458 |
| Pretax return on assets | 1.3626% | 1,792 |
| Return on Equity (ROE) | 6.0108% | 3,526 |
| Retained earnings to average equity (ytd only) | 2.3201% | 4,026 |
| Net charge-offs to loans | 0.1713% | 5,022 |
| Credit loss provision to net charge-offs | 40.8163% | 6,414 |
| Earnings coverage of net charge-offs (x) | 10.1766% | 1,994 |
| Efficiency ratio | 67.0194% | 5,182 |
| Assets per employee ($millions) | 3.9894% | 3,753 |
| Cash dividends to net income (ytd only)* | 61.4021% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 7,456 |
| Loan loss allowance to noncurrent loans | 101.8692% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 5,125 |
| Noncurrent loans to loans | 0.6520% | 5,993 |
| Net loans and leases to total assets | 79.4588% | 1,293 |
| Net loans and leases to deposits | 123.0900% | 154 |
| Net loans and leases to core deposits | 140.6017% | 885 |
| Total domestic deposits to total assets | 64.5534% | 7,744 |
| Equity capital to assets | 14.9514% | 1,016 |
| Core capital (leverage) ratio | 14.9681% | 864 |
| Tier 1 risk-based capital ratio | 26.1812% | 810 |
| Total risk-based capital ratio | 27.1151% | 810 |
| Memoranda: | ||
| Average total assets | $140,120,000 | 4,134 |
| Average earning assets | $127,780,750 | 4,155 |
| Average equity | $21,205,500 | 3,073 |
| Average total loans | $114,448,750 | 3,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2882% | 1,238 |
| Cost of funding earning assets | 2.2497% | 2,578 |
| Net interest margin | 4.0385% | 2,545 |
| Noninterest income to average assets | 0.6189% | 3,542 |
| Noninterest expense to average assets | 2.8009% | 4,956 |
| Loan and lease loss provision to assets | 0.0432% | 6,803 |
| Net operating income to assets | 0.9778% | 2,186 |
| Return on assets (ROA) | 0.9759% | 2,285 |
| Pretax return on assets | 1.4537% | 1,581 |
| Return on Equity (ROE) | 6.4216% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.4720% | 3,964 |
| Net charge-offs to loans | 0.1820% | 4,430 |
| Credit loss provision to net charge-offs | 28.8462% | 6,042 |
| Earnings coverage of net charge-offs (x) | 10.0192% | 2,047 |
| Efficiency ratio | 65.1272% | 5,690 |
| Assets per employee ($millions) | 4.0402% | 3,602 |
| Cash dividends to net income (ytd only)* | 61.5044% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 7,465 |
| Loan loss allowance to noncurrent loans | 83.0835% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 5,151 |
| Noncurrent loans to loans | 0.8178% | 5,589 |
| Net loans and leases to total assets | 80.2202% | 1,273 |
| Net loans and leases to deposits | 126.7169% | 140 |
| Net loans and leases to core deposits | 143.7877% | 845 |
| Total domestic deposits to total assets | 63.3066% | 7,854 |
| Equity capital to assets | 14.9632% | 1,035 |
| Core capital (leverage) ratio | 15.0774% | 904 |
| Tier 1 risk-based capital ratio | 26.2546% | 834 |
| Total risk-based capital ratio | 27.2118% | 838 |
| Memoranda: | ||
| Average total assets | $138,953,670 | 4,192 |
| Average earning assets | $126,682,000 | 4,213 |
| Average equity | $21,116,330 | 3,082 |
| Average total loans | $114,304,670 | 3,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3855% | 1,096 |
| Cost of funding earning assets | 2.2974% | 2,711 |
| Net interest margin | 4.0881% | 2,323 |
| Noninterest income to average assets | 0.6099% | 3,480 |
| Noninterest expense to average assets | 2.7358% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0494% | 2,134 |
| Return on assets (ROA) | 1.0455% | 2,275 |
| Pretax return on assets | 1.5945% | 1,419 |
| Return on Equity (ROE) | 6.8263% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.6596% | 3,865 |
| Net charge-offs to loans | 0.3218% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.9891% | 2,571 |
| Efficiency ratio | 63.0944% | 5,856 |
| Assets per employee ($millions) | 4.0083% | 3,646 |
| Cash dividends to net income (ytd only)* | 46.3889% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 7,539 |
| Loan loss allowance to noncurrent loans | 144.6565% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,348 |
| Noncurrent loans to loans | 0.4584% | 6,271 |
| Net loans and leases to total assets | 83.3265% | 803 |
| Net loans and leases to deposits | 131.9732% | 134 |
| Net loans and leases to core deposits | 149.9307% | 708 |
| Total domestic deposits to total assets | 63.1389% | 7,879 |
| Equity capital to assets | 15.5523% | 959 |
| Core capital (leverage) ratio | 15.4418% | 876 |
| Tier 1 risk-based capital ratio | 26.3252% | 864 |
| Total risk-based capital ratio | 27.2758% | 873 |
| Memoranda: | ||
| Average total assets | $137,727,000 | 4,234 |
| Average earning assets | $125,534,500 | 4,252 |
| Average equity | $21,095,000 | 3,108 |
| Average total loans | $114,350,500 | 3,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5103% | 2,910 |
| Cost of funding earning assets | 2.7825% | 2,778 |
| Net interest margin | 3.7279% | 4,340 |
| Noninterest income to average assets | 0.6686% | 3,345 |
| Noninterest expense to average assets | 2.6965% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9865% | 2,602 |
| Return on assets (ROA) | 0.9855% | 2,491 |
| Pretax return on assets | 1.3631% | 2,079 |
| Return on Equity (ROE) | 6.4768% | 3,765 |
| Retained earnings to average equity (ytd only) | 3.2652% | 3,123 |
| Net charge-offs to loans | 0.0410% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 40.9556% | 901 |
| Efficiency ratio | 66.3993% | 5,038 |
| Assets per employee ($millions) | 4.2173% | 3,082 |
| Cash dividends to net income (ytd only)* | 49.5868% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 7,323 |
| Loan loss allowance to noncurrent loans | 112.7490% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 5,552 |
| Noncurrent loans to loans | 0.6583% | 5,388 |
| Net loans and leases to total assets | 81.5789% | 1,305 |
| Net loans and leases to deposits | 130.9259% | 200 |
| Net loans and leases to core deposits | 147.2454% | 970 |
| Total domestic deposits to total assets | 62.3092% | 7,870 |
| Equity capital to assets | 15.0856% | 1,139 |
| Core capital (leverage) ratio | 14.9843% | 1,040 |
| Tier 1 risk-based capital ratio | 25.7309% | 927 |
| Total risk-based capital ratio | 26.7808% | 922 |
| Memoranda: | ||
| Average total assets | $135,064,000 | 4,183 |
| Average earning assets | $122,912,600 | 4,194 |
| Average equity | $20,550,200 | 3,149 |
| Average total loans | $109,733,600 | 3,681 |