Home > Graham Savings and Loan, SSB > Performance and Condition Ratios
Graham Savings and Loan, SSB, 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 | 5.5461% | 2,004 |
| Cost of funding earning assets | 2.5756% | 746 |
| Net interest margin | 2.9705% | 3,453 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 2.9329% | 1,264 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.3880% | 3,751 |
| Return on assets (ROA) | 0.3880% | 3,775 |
| Pretax return on assets | 0.3880% | 3,847 |
| Return on Equity (ROE) | 3.6900% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.6870% | 2,929 |
| 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 | 89.7656% | 507 |
| Assets per employee ($millions) | 4.5892% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 960 |
| Loan loss allowance to noncurrent loans | 254.9048% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 1,622 |
| Noncurrent loans to loans | 0.5979% | 1,648 |
| Net loans and leases to total assets | 72.1000% | 1,589 |
| Net loans and leases to deposits | 87.7101% | 1,340 |
| Net loans and leases to core deposits | 98.8715% | 1,446 |
| Total domestic deposits to total assets | 82.2000% | 3,267 |
| Equity capital to assets | 10.6420% | 1,844 |
| Core capital (leverage) ratio | 10.6451% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5606% | 704 |
| Memoranda: | ||
| Average total assets | $156,705,500 | 3,323 |
| Average earning assets | $150,953,500 | 3,266 |
| Average equity | $16,490,500 | 3,251 |
| Average total loans | $115,544,000 | 3,070 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 2,102 |
| Cost of funding earning assets | 2.6301% | 922 |
| Net interest margin | 2.8858% | 3,342 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 3.0356% | 1,094 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.1987% | 3,976 |
| Return on assets (ROA) | 0.1987% | 4,003 |
| Pretax return on assets | 0.1987% | 4,035 |
| Return on Equity (ROE) | 1.9400% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.9420% | 3,399 |
| Net charge-offs to loans | 0.0092% | 2,567 |
| Credit loss provision to net charge-offs | -327.2727% | 4,416 |
| Earnings coverage of net charge-offs (x) | 25.4545% | 1,650 |
| Efficiency ratio | 94.5184% | 373 |
| Assets per employee ($millions) | 4.6288% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 988 |
| Loan loss allowance to noncurrent loans | 158.5959% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,045 |
| Noncurrent loans to loans | 0.9508% | 1,051 |
| Net loans and leases to total assets | 73.1300% | 1,529 |
| Net loans and leases to deposits | 88.8278% | 1,318 |
| Net loans and leases to core deposits | 100.0878% | 1,441 |
| Total domestic deposits to total assets | 82.3300% | 3,189 |
| Equity capital to assets | 10.4055% | 1,889 |
| Core capital (leverage) ratio | 10.3431% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9094% | 777 |
| Memoranda: | ||
| Average total assets | $159,044,600 | 3,280 |
| Average earning assets | $153,720,400 | 3,220 |
| Average equity | $16,272,000 | 3,235 |
| Average total loans | $119,721,400 | 2,997 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 2,143 |
| Cost of funding earning assets | 2.5911% | 999 |
| Net interest margin | 2.8721% | 3,329 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 3.0293% | 1,072 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.1396% | 4,067 |
| Return on assets (ROA) | 0.1396% | 4,099 |
| Pretax return on assets | 0.1396% | 4,116 |
| Return on Equity (ROE) | 1.3700% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.3706% | 3,623 |
| Net charge-offs to loans | 0.0122% | 2,194 |
| Credit loss provision to net charge-offs | 54.5455% | 2,022 |
| Earnings coverage of net charge-offs (x) | 15.7273% | 1,902 |
| Efficiency ratio | 95.4426% | 365 |
| Assets per employee ($millions) | 4.7416% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 965 |
| Loan loss allowance to noncurrent loans | 179.3241% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 1,149 |
| Noncurrent loans to loans | 0.8545% | 1,175 |
| Net loans and leases to total assets | 71.9000% | 1,616 |
| Net loans and leases to deposits | 87.4723% | 1,487 |
| Net loans and leases to core deposits | 97.7741% | 1,643 |
| Total domestic deposits to total assets | 82.2000% | 3,060 |
| Equity capital to assets | 10.1635% | 2,186 |
| Core capital (leverage) ratio | 10.1504% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8900% | 807 |
| Memoranda: | ||
| Average total assets | $159,461,250 | 3,280 |
| Average earning assets | $154,216,750 | 3,221 |
| Average equity | $16,246,000 | 3,237 |
| Average total loans | $120,439,250 | 2,985 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 2,027 |
| Cost of funding earning assets | 2.5508% | 997 |
| Net interest margin | 2.9182% | 3,220 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 3.0149% | 1,082 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.1800% | 4,029 |
| Return on assets (ROA) | 0.1800% | 4,063 |
| Pretax return on assets | 0.1800% | 4,087 |
| Return on Equity (ROE) | 1.7700% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.7655% | 3,412 |
| Net charge-offs to loans | 0.0181% | 1,810 |
| Credit loss provision to net charge-offs | 54.5455% | 1,790 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 1,842 |
| Efficiency ratio | 94.1431% | 430 |
| Assets per employee ($millions) | 4.6156% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,069 |
| Loan loss allowance to noncurrent loans | 637.4558% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 2,516 |
| Noncurrent loans to loans | 0.2351% | 2,543 |
| Net loans and leases to total assets | 73.4000% | 1,490 |
| Net loans and leases to deposits | 89.1558% | 1,373 |
| Net loans and leases to core deposits | 99.1023% | 1,540 |
| Total domestic deposits to total assets | 82.3200% | 3,011 |
| Equity capital to assets | 10.0738% | 2,027 |
| Core capital (leverage) ratio | 10.1833% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5965% | 837 |
| Memoranda: | ||
| Average total assets | $158,877,000 | 3,295 |
| Average earning assets | $153,517,667 | 3,236 |
| Average equity | $16,199,667 | 3,229 |
| Average total loans | $121,344,333 | 2,977 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 1,962 |
| Cost of funding earning assets | 2.5115% | 968 |
| Net interest margin | 2.9117% | 3,169 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 3.0493% | 1,034 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.1041% | 4,106 |
| Return on assets (ROA) | 0.1041% | 4,145 |
| Pretax return on assets | 0.1041% | 4,157 |
| Return on Equity (ROE) | 1.0100% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.0147% | 3,499 |
| Net charge-offs to loans | 0.0263% | 1,330 |
| Credit loss provision to net charge-offs | 50.0000% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 1,849 |
| Efficiency ratio | 96.3884% | 384 |
| Assets per employee ($millions) | 4.3691% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,124 |
| Loan loss allowance to noncurrent loans | 727.8226% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,595 |
| Noncurrent loans to loans | 0.2037% | 2,610 |
| Net loans and leases to total assets | 76.2700% | 1,037 |
| Net loans and leases to deposits | 93.0611% | 941 |
| Net loans and leases to core deposits | 103.8011% | 1,213 |
| Total domestic deposits to total assets | 81.9600% | 3,181 |
| Equity capital to assets | 10.2781% | 1,851 |
| Core capital (leverage) ratio | 10.4126% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2864% | 882 |
| Memoranda: | ||
| Average total assets | $157,542,000 | 3,310 |
| Average earning assets | $151,939,000 | 3,257 |
| Average equity | $16,162,500 | 3,240 |
| Average total loans | $121,829,000 | 2,976 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 2,108 |
| Cost of funding earning assets | 1.9163% | 1,044 |
| Net interest margin | 3.0645% | 3,162 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.9459% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3814% | 3,909 |
| Return on assets (ROA) | 0.3814% | 3,901 |
| Pretax return on assets | 0.3814% | 3,990 |
| Return on Equity (ROE) | 3.6800% | 3,935 |
| Retained earnings to average equity (ytd only) | -0.5778% | 4,149 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.5373% | 466 |
| Assets per employee ($millions) | 4.3833% | 4,001 |
| Cash dividends to net income (ytd only)* | 115.7025% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,102 |
| Loan loss allowance to noncurrent loans | 469.8701% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 1,995 |
| Noncurrent loans to loans | 0.3159% | 2,055 |
| Net loans and leases to total assets | 76.1000% | 1,104 |
| Net loans and leases to deposits | 92.7366% | 1,039 |
| Net loans and leases to core deposits | 103.0933% | 1,270 |
| Total domestic deposits to total assets | 82.0600% | 3,118 |
| Equity capital to assets | 10.2403% | 1,874 |
| Core capital (leverage) ratio | 10.1586% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0896% | 902 |
| Memoranda: | ||
| Average total assets | $158,628,000 | 3,285 |
| Average earning assets | $152,847,400 | 3,226 |
| Average equity | $16,440,600 | 3,147 |
| Average total loans | $122,142,200 | 2,932 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 2,097 |
| Cost of funding earning assets | 1.7676% | 1,064 |
| Net interest margin | 3.1165% | 3,113 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.9052% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4692% | 3,826 |
| Return on assets (ROA) | 0.4692% | 3,828 |
| Pretax return on assets | 0.4692% | 3,954 |
| Return on Equity (ROE) | 4.5100% | 3,897 |
| Retained earnings to average equity (ytd only) | -1.1386% | 4,265 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.0945% | 515 |
| Assets per employee ($millions) | 4.1522% | 4,099 |
| Cash dividends to net income (ytd only)* | 125.2236% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,182 |
| Loan loss allowance to noncurrent loans | 882.4390% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 2,686 |
| Noncurrent loans to loans | 0.1670% | 2,700 |
| Net loans and leases to total assets | 76.6700% | 1,036 |
| Net loans and leases to deposits | 93.9780% | 895 |
| Net loans and leases to core deposits | 104.2321% | 1,112 |
| Total domestic deposits to total assets | 81.5900% | 3,300 |
| Equity capital to assets | 10.2120% | 1,698 |
| Core capital (leverage) ratio | 10.1746% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0659% | 942 |
| Memoranda: | ||
| Average total assets | $158,835,500 | 3,299 |
| Average earning assets | $153,118,750 | 3,236 |
| Average equity | $16,511,000 | 3,119 |
| Average total loans | $122,205,750 | 2,929 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,994 |
| Cost of funding earning assets | 1.5944% | 1,082 |
| Net interest margin | 3.2057% | 2,980 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.8482% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5918% | 3,595 |
| Return on assets (ROA) | 0.5918% | 3,604 |
| Pretax return on assets | 0.5918% | 3,819 |
| Return on Equity (ROE) | 5.6600% | 3,765 |
| Retained earnings to average equity (ytd only) | -0.4566% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.7977% | 666 |
| Assets per employee ($millions) | 4.4718% | 3,966 |
| Cash dividends to net income (ytd only)* | 108.0679% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,085 |
| Loan loss allowance to noncurrent loans | 806.1728% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,829 |
| Noncurrent loans to loans | 0.1329% | 2,807 |
| Net loans and leases to total assets | 74.9300% | 1,175 |
| Net loans and leases to deposits | 91.9830% | 1,023 |
| Net loans and leases to core deposits | 100.6609% | 1,200 |
| Total domestic deposits to total assets | 81.4700% | 3,345 |
| Equity capital to assets | 10.3855% | 1,639 |
| Core capital (leverage) ratio | 10.2324% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8316% | 839 |
| Memoranda: | ||
| Average total assets | $159,185,667 | 3,304 |
| Average earning assets | $153,416,000 | 3,241 |
| Average equity | $16,643,667 | 3,132 |
| Average total loans | $122,012,333 | 2,922 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,192 |
| Cost of funding earning assets | 1.2958% | 1,234 |
| Net interest margin | 3.2527% | 2,985 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.9668% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5231% | 3,839 |
| Return on assets (ROA) | 0.5231% | 3,799 |
| Pretax return on assets | 0.5231% | 3,961 |
| Return on Equity (ROE) | 4.9900% | 3,893 |
| Retained earnings to average equity (ytd only) | -7.2745% | 4,407 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0109% | 545 |
| Assets per employee ($millions) | 4.3326% | 4,112 |
| Cash dividends to net income (ytd only)* | 245.8937% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,225 |
| Loan loss allowance to noncurrent loans | 796.3415% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 2,809 |
| Noncurrent loans to loans | 0.1339% | 2,842 |
| Net loans and leases to total assets | 75.5800% | 1,013 |
| Net loans and leases to deposits | 94.4554% | 764 |
| Net loans and leases to core deposits | 101.8768% | 1,006 |
| Total domestic deposits to total assets | 80.0200% | 3,759 |
| Equity capital to assets | 10.2648% | 1,683 |
| Core capital (leverage) ratio | 10.6176% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6196% | 892 |
| Memoranda: | ||
| Average total assets | $158,286,500 | 3,350 |
| Average earning assets | $152,490,000 | 3,295 |
| Average equity | $16,606,000 | 3,167 |
| Average total loans | $122,049,500 | 2,954 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 1,214 |
| Cost of funding earning assets | 0.6972% | 589 |
| Net interest margin | 3.5172% | 1,875 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.8766% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8900% | 3,007 |
| Return on assets (ROA) | 0.8900% | 2,946 |
| Pretax return on assets | 0.8900% | 3,391 |
| Return on Equity (ROE) | 8.2000% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.4311% | 3,877 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.3722% | 972 |
| Assets per employee ($millions) | 4.3408% | 4,118 |
| Cash dividends to net income (ytd only)* | 70.3540% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,022 |
| Loan loss allowance to noncurrent loans | 777.3810% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,774 |
| Noncurrent loans to loans | 0.1381% | 2,823 |
| Net loans and leases to total assets | 77.0000% | 892 |
| Net loans and leases to deposits | 94.4876% | 750 |
| Net loans and leases to core deposits | 101.7375% | 909 |
| Total domestic deposits to total assets | 81.4900% | 3,694 |
| Equity capital to assets | 10.7232% | 1,364 |
| Core capital (leverage) ratio | 10.9842% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7931% | 745 |
| Memoranda: | ||
| Average total assets | $152,365,200 | 3,417 |
| Average earning assets | $146,595,400 | 3,357 |
| Average equity | $16,536,000 | 3,234 |
| Average total loans | $115,315,800 | 2,974 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 990 |
| Cost of funding earning assets | 0.6142% | 402 |
| Net interest margin | 3.5270% | 1,584 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.8614% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9062% | 2,841 |
| Return on assets (ROA) | 0.9062% | 2,821 |
| Pretax return on assets | 0.9062% | 3,296 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.1520% | 3,992 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.9467% | 1,083 |
| Assets per employee ($millions) | 4.1837% | 4,232 |
| Cash dividends to net income (ytd only)* | 74.1497% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 2,929 |
| Loan loss allowance to noncurrent loans | 646.5347% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,670 |
| Noncurrent loans to loans | 0.1729% | 2,729 |
| Net loans and leases to total assets | 76.6900% | 843 |
| Net loans and leases to deposits | 93.6052% | 662 |
| Net loans and leases to core deposits | 99.8591% | 820 |
| Total domestic deposits to total assets | 81.9300% | 3,849 |
| Equity capital to assets | 11.0356% | 1,162 |
| Core capital (leverage) ratio | 11.0385% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6322% | 770 |
| Memoranda: | ||
| Average total assets | $151,389,500 | 3,457 |
| Average earning assets | $145,653,000 | 3,391 |
| Average equity | $16,480,750 | 3,273 |
| Average total loans | $113,735,750 | 3,000 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 753 |
| Cost of funding earning assets | 0.6047% | 263 |
| Net interest margin | 3.5045% | 1,302 |
| Noninterest income to average assets | 0.3600% | 2,993 |
| Noninterest expense to average assets | 2.8118% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9192% | 2,493 |
| Return on assets (ROA) | 0.9192% | 2,463 |
| Pretax return on assets | 0.9192% | 2,997 |
| Return on Equity (ROE) | 8.4824% | 2,872 |
| Retained earnings to average equity (ytd only) | 1.5091% | 3,877 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3623% | 1,349 |
| Assets per employee ($millions) | 4.3353% | 4,185 |
| Cash dividends to net income (ytd only)* | 82.2095% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,104 |
| Loan loss allowance to noncurrent loans | 630.9179% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,760 |
| Noncurrent loans to loans | 0.1767% | 2,813 |
| Net loans and leases to total assets | 76.3253% | 697 |
| Net loans and leases to deposits | 94.1271% | 513 |
| Net loans and leases to core deposits | 100.1999% | 664 |
| Total domestic deposits to total assets | 81.0875% | 4,118 |
| Equity capital to assets | 10.8603% | 1,277 |
| Core capital (leverage) ratio | 10.9629% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9488% | 860 |
| Memoranda: | ||
| Average total assets | $151,648,333 | 3,482 |
| Average earning assets | $145,869,333 | 3,436 |
| Average equity | $16,434,000 | 3,365 |
| Average total loans | $112,710,333 | 3,035 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 860 |
| Cost of funding earning assets | 0.6085% | 247 |
| Net interest margin | 3.3332% | 1,488 |
| Noninterest income to average assets | 0.3324% | 3,108 |
| Noninterest expense to average assets | 2.7387% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8021% | 2,650 |
| Return on assets (ROA) | 0.8021% | 2,643 |
| Pretax return on assets | 0.8021% | 3,105 |
| Return on Equity (ROE) | 7.4094% | 2,905 |
| Retained earnings to average equity (ytd only) | 2.7542% | 3,346 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3472% | 1,366 |
| Assets per employee ($millions) | 4.4179% | 4,187 |
| Cash dividends to net income (ytd only)* | 62.8289% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,975 |
| Loan loss allowance to noncurrent loans | 616.0377% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,803 |
| Noncurrent loans to loans | 0.1912% | 2,860 |
| Net loans and leases to total assets | 72.9289% | 744 |
| Net loans and leases to deposits | 88.5312% | 592 |
| Net loans and leases to core deposits | 93.5674% | 750 |
| Total domestic deposits to total assets | 82.3764% | 4,032 |
| Equity capital to assets | 10.9635% | 1,341 |
| Core capital (leverage) ratio | 10.8448% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4050% | 842 |
| Memoranda: | ||
| Average total assets | $151,604,500 | 3,497 |
| Average earning assets | $145,927,500 | 3,452 |
| Average equity | $16,411,500 | 3,440 |
| Average total loans | $110,506,000 | 3,060 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 1,136 |
| Cost of funding earning assets | 0.7813% | 221 |
| Net interest margin | 3.3336% | 2,226 |
| Noninterest income to average assets | 0.3375% | 3,393 |
| Noninterest expense to average assets | 2.7061% | 1,620 |
| Loan and lease loss provision to assets | 0.0120% | 2,841 |
| Net operating income to assets | 0.8321% | 3,228 |
| Return on assets (ROA) | 0.8321% | 3,306 |
| Pretax return on assets | 0.8321% | 3,661 |
| Return on Equity (ROE) | 7.7797% | 3,287 |
| Retained earnings to average equity (ytd only) | 2.6327% | 3,786 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2235% | 1,088 |
| Assets per employee ($millions) | 4.5000% | 4,116 |
| Cash dividends to net income (ytd only)* | 66.1600% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,949 |
| Loan loss allowance to noncurrent loans | 453.4722% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,618 |
| Noncurrent loans to loans | 0.2614% | 2,674 |
| Net loans and leases to total assets | 71.1466% | 912 |
| Net loans and leases to deposits | 86.1924% | 768 |
| Net loans and leases to core deposits | 90.9649% | 926 |
| Total domestic deposits to total assets | 82.5439% | 3,888 |
| Equity capital to assets | 10.6895% | 2,018 |
| Core capital (leverage) ratio | 10.5505% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2105% | 732 |
| Memoranda: | ||
| Average total assets | $150,216,200 | 3,481 |
| Average earning assets | $144,768,000 | 3,426 |
| Average equity | $16,067,400 | 3,535 |
| Average total loans | $106,015,000 | 3,126 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 1,180 |
| Cost of funding earning assets | 0.8170% | 226 |
| Net interest margin | 3.3346% | 2,323 |
| Noninterest income to average assets | 0.3326% | 3,442 |
| Noninterest expense to average assets | 2.7527% | 1,455 |
| Loan and lease loss provision to assets | 0.0161% | 2,685 |
| Net operating income to assets | 0.7776% | 3,577 |
| Return on assets (ROA) | 0.7776% | 3,641 |
| Pretax return on assets | 0.7776% | 3,932 |
| Return on Equity (ROE) | 7.2685% | 3,596 |
| Retained earnings to average equity (ytd only) | 1.9672% | 4,191 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6213% | 906 |
| Assets per employee ($millions) | 4.4779% | 4,142 |
| Cash dividends to net income (ytd only)* | 72.9358% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,922 |
| Loan loss allowance to noncurrent loans | 422.6537% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 2,770 |
| Noncurrent loans to loans | 0.2873% | 2,765 |
| Net loans and leases to total assets | 69.7896% | 1,099 |
| Net loans and leases to deposits | 84.6625% | 918 |
| Net loans and leases to core deposits | 89.5902% | 1,056 |
| Total domestic deposits to total assets | 82.4327% | 3,837 |
| Equity capital to assets | 10.6194% | 2,345 |
| Core capital (leverage) ratio | 10.6301% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6328% | 1,020 |
| Memoranda: | ||
| Average total assets | $149,520,000 | 3,522 |
| Average earning assets | $144,102,750 | 3,469 |
| Average equity | $15,995,500 | 3,586 |
| Average total loans | $104,978,500 | 3,181 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 1,127 |
| Cost of funding earning assets | 0.8592% | 221 |
| Net interest margin | 3.3713% | 2,235 |
| Noninterest income to average assets | 0.3216% | 3,502 |
| Noninterest expense to average assets | 2.7387% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8304% | 3,422 |
| Return on assets (ROA) | 0.8304% | 3,494 |
| Pretax return on assets | 0.8304% | 3,803 |
| Return on Equity (ROE) | 7.7425% | 3,476 |
| Retained earnings to average equity (ytd only) | -0.2384% | 4,542 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7345% | 1,012 |
| Assets per employee ($millions) | 4.5055% | 4,104 |
| Cash dividends to net income (ytd only)* | 103.0794% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,017 |
| Loan loss allowance to noncurrent loans | 410.1911% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,921 |
| Noncurrent loans to loans | 0.2891% | 2,893 |
| Net loans and leases to total assets | 70.0531% | 1,193 |
| Net loans and leases to deposits | 84.6404% | 1,016 |
| Net loans and leases to core deposits | 89.4998% | 1,172 |
| Total domestic deposits to total assets | 82.7656% | 3,756 |
| Equity capital to assets | 10.3879% | 2,502 |
| Core capital (leverage) ratio | 10.5851% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0177% | 955 |
| Memoranda: | ||
| Average total assets | $148,610,333 | 3,538 |
| Average earning assets | $143,150,667 | 3,485 |
| Average equity | $15,938,000 | 3,594 |
| Average total loans | $104,118,000 | 3,205 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 1,496 |
| Cost of funding earning assets | 0.9200% | 203 |
| Net interest margin | 3.1377% | 2,881 |
| Noninterest income to average assets | 0.3171% | 3,506 |
| Noninterest expense to average assets | 2.7146% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6233% | 3,882 |
| Return on assets (ROA) | 0.6233% | 3,951 |
| Pretax return on assets | 0.6233% | 4,159 |
| Return on Equity (ROE) | 5.7177% | 3,943 |
| Retained earnings to average equity (ytd only) | 0.9279% | 4,231 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3268% | 737 |
| Assets per employee ($millions) | 4.5111% | 4,089 |
| Cash dividends to net income (ytd only)* | 83.7719% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,795 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,899 |
| Noncurrent loans to loans | 0.3499% | 2,833 |
| Net loans and leases to total assets | 69.7829% | 1,323 |
| Net loans and leases to deposits | 85.3094% | 1,015 |
| Net loans and leases to core deposits | 90.6104% | 1,190 |
| Total domestic deposits to total assets | 81.7997% | 3,928 |
| Equity capital to assets | 10.7271% | 2,057 |
| Core capital (leverage) ratio | 11.1066% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8456% | 809 |
| Memoranda: | ||
| Average total assets | $146,321,500 | 3,563 |
| Average earning assets | $140,867,500 | 3,506 |
| Average equity | $15,950,500 | 3,605 |
| Average total loans | $101,876,500 | 3,230 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,339 |
| Cost of funding earning assets | 1.2845% | 190 |
| Net interest margin | 3.2049% | 3,346 |
| Noninterest income to average assets | 0.3066% | 3,645 |
| Noninterest expense to average assets | 2.7280% | 2,146 |
| Loan and lease loss provision to assets | 0.1797% | 2,145 |
| Net operating income to assets | 0.4743% | 4,083 |
| Return on assets (ROA) | 0.4743% | 4,165 |
| Pretax return on assets | 0.4743% | 4,315 |
| Return on Equity (ROE) | 4.2225% | 4,110 |
| Retained earnings to average equity (ytd only) | -0.1694% | 4,545 |
| Net charge-offs to loans | 0.0191% | 2,688 |
| Credit loss provision to net charge-offs | 1,342.1053% | 622 |
| Earnings coverage of net charge-offs (x) | 48.8421% | 1,225 |
| Efficiency ratio | 80.6626% | 839 |
| Assets per employee ($millions) | 4.1079% | 4,285 |
| Cash dividends to net income (ytd only)* | 104.0119% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,378 |
| Loan loss allowance to noncurrent loans | 365.9091% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 3,063 |
| Noncurrent loans to loans | 0.3571% | 2,917 |
| Net loans and leases to total assets | 67.6701% | 1,861 |
| Net loans and leases to deposits | 84.2752% | 1,426 |
| Net loans and leases to core deposits | 90.0979% | 1,518 |
| Total domestic deposits to total assets | 80.2966% | 3,998 |
| Equity capital to assets | 11.0810% | 2,192 |
| Core capital (leverage) ratio | 10.8590% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2753% | 642 |
| Memoranda: | ||
| Average total assets | $141,897,800 | 3,490 |
| Average earning assets | $136,165,800 | 3,427 |
| Average equity | $15,938,400 | 3,556 |
| Average total loans | $99,267,600 | 3,241 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,214 |
| Cost of funding earning assets | 1.3357% | 208 |
| Net interest margin | 3.3024% | 3,181 |
| Noninterest income to average assets | 0.2970% | 3,705 |
| Noninterest expense to average assets | 2.6896% | 2,292 |
| Loan and lease loss provision to assets | 0.2404% | 1,687 |
| Net operating income to assets | 0.5345% | 3,948 |
| Return on assets (ROA) | 0.5345% | 4,040 |
| Pretax return on assets | 0.5345% | 4,216 |
| Return on Equity (ROE) | 4.7427% | 3,960 |
| Retained earnings to average equity (ytd only) | -1.1125% | 4,623 |
| Net charge-offs to loans | 0.0255% | 2,321 |
| Credit loss provision to net charge-offs | 1,342.1053% | 676 |
| Earnings coverage of net charge-offs (x) | 43.2632% | 1,301 |
| Efficiency ratio | 77.6327% | 1,075 |
| Assets per employee ($millions) | 3.9364% | 4,368 |
| Cash dividends to net income (ytd only)* | 123.4568% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,046 |
| Loan loss allowance to noncurrent loans | 456.7376% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 3,466 |
| Noncurrent loans to loans | 0.2908% | 3,231 |
| Net loans and leases to total assets | 65.6912% | 2,555 |
| Net loans and leases to deposits | 81.0614% | 2,191 |
| Net loans and leases to core deposits | 85.5587% | 2,339 |
| Total domestic deposits to total assets | 81.0388% | 3,653 |
| Equity capital to assets | 10.8661% | 2,504 |
| Core capital (leverage) ratio | 10.8887% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0215% | 674 |
| Memoranda: | ||
| Average total assets | $141,428,000 | 3,481 |
| Average earning assets | $135,656,500 | 3,418 |
| Average equity | $15,940,000 | 3,558 |
| Average total loans | $99,439,000 | 3,251 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 1,300 |
| Cost of funding earning assets | 1.3885% | 235 |
| Net interest margin | 3.3541% | 3,236 |
| Noninterest income to average assets | 0.2885% | 3,734 |
| Noninterest expense to average assets | 2.7167% | 2,336 |
| Loan and lease loss provision to assets | 0.2928% | 1,468 |
| Net operating income to assets | 0.4914% | 4,042 |
| Return on assets (ROA) | 0.4914% | 4,115 |
| Pretax return on assets | 0.4914% | 4,267 |
| Return on Equity (ROE) | 4.3059% | 4,019 |
| Retained earnings to average equity (ytd only) | -2.0653% | 4,596 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6010% | 1,088 |
| Assets per employee ($millions) | 4.1202% | 4,186 |
| Cash dividends to net income (ytd only)* | 147.9651% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,106 |
| Loan loss allowance to noncurrent loans | 255.4878% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 2,937 |
| Noncurrent loans to loans | 0.5007% | 2,650 |
| Net loans and leases to total assets | 67.2748% | 2,458 |
| Net loans and leases to deposits | 83.1833% | 2,080 |
| Net loans and leases to core deposits | 87.8329% | 2,257 |
| Total domestic deposits to total assets | 80.8754% | 3,636 |
| Equity capital to assets | 10.9523% | 2,386 |
| Core capital (leverage) ratio | 11.1591% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8220% | 691 |
| Memoranda: | ||
| Average total assets | $140,022,333 | 3,483 |
| Average earning assets | $134,102,667 | 3,418 |
| Average equity | $15,978,000 | 3,553 |
| Average total loans | $100,264,000 | 3,225 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 1,155 |
| Cost of funding earning assets | 1.4497% | 321 |
| Net interest margin | 3.4665% | 3,094 |
| Noninterest income to average assets | 0.3103% | 3,658 |
| Noninterest expense to average assets | 2.6912% | 2,731 |
| Loan and lease loss provision to assets | 0.2900% | 1,072 |
| Net operating income to assets | 0.6438% | 3,465 |
| Return on assets (ROA) | 0.6438% | 3,528 |
| Pretax return on assets | 0.6438% | 3,829 |
| Return on Equity (ROE) | 5.5258% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.5258% | 2,055 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2400% | 1,782 |
| Assets per employee ($millions) | 4.3138% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,918 |
| Loan loss allowance to noncurrent loans | 229.9401% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 2,348 |
| Noncurrent loans to loans | 0.5016% | 2,763 |
| Net loans and leases to total assets | 71.5176% | 1,998 |
| Net loans and leases to deposits | 90.4937% | 1,454 |
| Net loans and leases to core deposits | 94.7948% | 1,904 |
| Total domestic deposits to total assets | 79.0304% | 4,047 |
| Equity capital to assets | 11.7217% | 2,266 |
| Core capital (leverage) ratio | 11.7775% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6697% | 678 |
| Memoranda: | ||
| Average total assets | $137,930,000 | 3,481 |
| Average earning assets | $131,892,500 | 3,423 |
| Average equity | $16,070,000 | 3,554 |
| Average total loans | $101,260,000 | 3,207 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 1,644 |
| Cost of funding earning assets | 1.4108% | 540 |
| Net interest margin | 3.5251% | 3,361 |
| Noninterest income to average assets | 0.3070% | 3,850 |
| Noninterest expense to average assets | 2.7576% | 2,726 |
| Loan and lease loss provision to assets | 0.0959% | 2,124 |
| Net operating income to assets | 0.8700% | 3,316 |
| Return on assets (ROA) | 0.8700% | 3,409 |
| Pretax return on assets | 0.8700% | 3,824 |
| Return on Equity (ROE) | 7.4461% | 3,390 |
| Retained earnings to average equity (ytd only) | 2.2231% | 3,897 |
| Net charge-offs to loans | 0.0333% | 2,723 |
| Credit loss provision to net charge-offs | 382.3529% | 734 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,350 |
| Efficiency ratio | 74.0587% | 1,594 |
| Assets per employee ($millions) | 4.3068% | 3,496 |
| Cash dividends to net income (ytd only)* | 70.1442% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,345 |
| Loan loss allowance to noncurrent loans | 158.6727% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 1,923 |
| Noncurrent loans to loans | 0.6459% | 2,274 |
| Net loans and leases to total assets | 73.7144% | 1,798 |
| Net loans and leases to deposits | 92.9708% | 1,261 |
| Net loans and leases to core deposits | 97.3364% | 1,786 |
| Total domestic deposits to total assets | 79.2878% | 4,122 |
| Equity capital to assets | 11.5798% | 2,460 |
| Core capital (leverage) ratio | 11.3020% | 2,249 |
| Tier 1 risk-based capital ratio | 19.6059% | 1,392 |
| Total risk-based capital ratio | 20.8553% | 1,361 |
| Memoranda: | ||
| Average total assets | $135,515,000 | 3,499 |
| Average earning assets | $131,344,400 | 3,399 |
| Average equity | $15,833,800 | 3,562 |
| Average total loans | $102,231,200 | 3,198 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 1,736 |
| Cost of funding earning assets | 1.3704% | 642 |
| Net interest margin | 3.5572% | 3,379 |
| Noninterest income to average assets | 0.2421% | 4,289 |
| Noninterest expense to average assets | 2.7617% | 2,681 |
| Loan and lease loss provision to assets | 0.1285% | 1,508 |
| Net operating income to assets | 0.8092% | 3,649 |
| Return on assets (ROA) | 0.8092% | 3,727 |
| Pretax return on assets | 0.8092% | 4,099 |
| Return on Equity (ROE) | 6.9101% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.1555% | 3,827 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6528% | 1,474 |
| Assets per employee ($millions) | 4.4690% | 3,258 |
| Cash dividends to net income (ytd only)* | 54.3348% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,158 |
| Loan loss allowance to noncurrent loans | 240.2655% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 2,512 |
| Noncurrent loans to loans | 0.4468% | 2,966 |
| Net loans and leases to total assets | 72.2459% | 2,140 |
| Net loans and leases to deposits | 91.0197% | 1,562 |
| Net loans and leases to core deposits | 95.0133% | 2,084 |
| Total domestic deposits to total assets | 79.3739% | 4,105 |
| Equity capital to assets | 11.5355% | 2,636 |
| Core capital (leverage) ratio | 11.5930% | 2,150 |
| Tier 1 risk-based capital ratio | 19.9640% | 1,362 |
| Total risk-based capital ratio | 21.2145% | 1,337 |
| Memoranda: | ||
| Average total assets | $134,939,500 | 3,541 |
| Average earning assets | $131,149,000 | 3,440 |
| Average equity | $15,802,500 | 3,598 |
| Average total loans | $102,128,250 | 3,233 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9365% | 1,650 |
| Cost of funding earning assets | 1.3199% | 695 |
| Net interest margin | 3.6166% | 3,201 |
| Noninterest income to average assets | 0.2378% | 4,332 |
| Noninterest expense to average assets | 2.7023% | 2,898 |
| Loan and lease loss provision to assets | 0.3440% | 379 |
| Net operating income to assets | 0.7073% | 3,984 |
| Return on assets (ROA) | 0.7073% | 4,035 |
| Pretax return on assets | 0.7073% | 4,314 |
| Return on Equity (ROE) | 6.0090% | 4,045 |
| Retained earnings to average equity (ytd only) | 0.3557% | 4,602 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9920% | 1,920 |
| Assets per employee ($millions) | 4.2949% | 3,440 |
| Cash dividends to net income (ytd only)* | 94.0803% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,798 |
| Loan loss allowance to noncurrent loans | 321.4092% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,484 |
| Noncurrent loans to loans | 0.3574% | 3,260 |
| Net loans and leases to total assets | 74.2566% | 1,845 |
| Net loans and leases to deposits | 93.4836% | 1,314 |
| Net loans and leases to core deposits | 97.1398% | 1,965 |
| Total domestic deposits to total assets | 79.4328% | 4,142 |
| Equity capital to assets | 11.3761% | 2,726 |
| Core capital (leverage) ratio | 11.6723% | 2,041 |
| Tier 1 risk-based capital ratio | 19.3622% | 1,468 |
| Total risk-based capital ratio | 20.6142% | 1,436 |
| Memoranda: | ||
| Average total assets | $133,740,000 | 3,572 |
| Average earning assets | $130,011,330 | 3,478 |
| Average equity | $15,743,000 | 3,608 |
| Average total loans | $102,446,330 | 3,252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 1,592 |
| Cost of funding earning assets | 1.2662% | 738 |
| Net interest margin | 3.6332% | 3,124 |
| Noninterest income to average assets | 0.2366% | 4,319 |
| Noninterest expense to average assets | 2.6173% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1525% | 2,251 |
| Return on assets (ROA) | 1.1525% | 2,304 |
| Pretax return on assets | 1.1525% | 2,969 |
| Return on Equity (ROE) | 9.6221% | 2,535 |
| Retained earnings to average equity (ytd only) | 9.6221% | 1,128 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4288% | 2,437 |
| Assets per employee ($millions) | 4.2181% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,019 |
| Loan loss allowance to noncurrent loans | 214.3498% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 3,277 |
| Noncurrent loans to loans | 0.4368% | 3,016 |
| Net loans and leases to total assets | 74.9339% | 1,654 |
| Net loans and leases to deposits | 96.2067% | 943 |
| Net loans and leases to core deposits | 100.5388% | 1,570 |
| Total domestic deposits to total assets | 77.8884% | 4,535 |
| Equity capital to assets | 11.8441% | 2,123 |
| Core capital (leverage) ratio | 12.2115% | 1,653 |
| Tier 1 risk-based capital ratio | 20.1424% | 1,317 |
| Total risk-based capital ratio | 21.3469% | 1,292 |
| Memoranda: | ||
| Average total assets | $131,891,500 | 3,634 |
| Average earning assets | $128,260,500 | 3,544 |
| Average equity | $15,797,000 | 3,604 |
| Average total loans | $102,048,500 | 3,292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 1,633 |
| Cost of funding earning assets | 0.9963% | 765 |
| Net interest margin | 3.7657% | 2,802 |
| Noninterest income to average assets | 0.2745% | 4,270 |
| Noninterest expense to average assets | 2.7331% | 2,921 |
| Loan and lease loss provision to assets | 0.0396% | 3,405 |
| Net operating income to assets | 1.1676% | 2,326 |
| Return on assets (ROA) | 1.1676% | 2,317 |
| Pretax return on assets | 1.1676% | 3,028 |
| Return on Equity (ROE) | 9.6007% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.5693% | 4,113 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3636% | 2,315 |
| Assets per employee ($millions) | 4.0251% | 3,863 |
| Cash dividends to net income (ytd only)* | 73.2385% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,007 |
| Loan loss allowance to noncurrent loans | 284.5238% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,542 |
| Noncurrent loans to loans | 0.3294% | 3,371 |
| Net loans and leases to total assets | 78.4448% | 1,193 |
| Net loans and leases to deposits | 103.3943% | 518 |
| Net loans and leases to core deposits | 105.5193% | 1,303 |
| Total domestic deposits to total assets | 75.8695% | 4,768 |
| Equity capital to assets | 12.1169% | 1,809 |
| Core capital (leverage) ratio | 11.9269% | 1,785 |
| Tier 1 risk-based capital ratio | 19.4115% | 1,424 |
| Total risk-based capital ratio | 20.6005% | 1,400 |
| Memoranda: | ||
| Average total assets | $126,411,600 | 3,690 |
| Average earning assets | $123,057,200 | 3,599 |
| Average equity | $15,373,800 | 3,593 |
| Average total loans | $97,200,800 | 3,352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,741 |
| Cost of funding earning assets | 0.9283% | 809 |
| Net interest margin | 3.7501% | 2,827 |
| Noninterest income to average assets | 0.2883% | 4,228 |
| Noninterest expense to average assets | 2.6907% | 2,996 |
| Loan and lease loss provision to assets | 0.0530% | 2,921 |
| Net operating income to assets | 1.1965% | 2,255 |
| Return on assets (ROA) | 1.1965% | 2,261 |
| Pretax return on assets | 1.1965% | 2,997 |
| Return on Equity (ROE) | 9.8286% | 2,698 |
| Retained earnings to average equity (ytd only) | 2.0720% | 4,559 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2894% | 2,486 |
| Assets per employee ($millions) | 4.0296% | 3,837 |
| Cash dividends to net income (ytd only)* | 78.9192% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,017 |
| Loan loss allowance to noncurrent loans | 318.6667% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,787 |
| Noncurrent loans to loans | 0.3009% | 3,600 |
| Net loans and leases to total assets | 76.5687% | 1,573 |
| Net loans and leases to deposits | 98.4073% | 921 |
| Net loans and leases to core deposits | 100.3813% | 1,755 |
| Total domestic deposits to total assets | 77.8079% | 4,507 |
| Equity capital to assets | 11.9817% | 1,918 |
| Core capital (leverage) ratio | 11.9521% | 1,816 |
| Tier 1 risk-based capital ratio | 19.5523% | 1,425 |
| Total risk-based capital ratio | 20.7621% | 1,400 |
| Memoranda: | ||
| Average total assets | $125,813,500 | 3,734 |
| Average earning assets | $122,518,500 | 3,642 |
| Average equity | $15,315,500 | 3,625 |
| Average total loans | $96,002,000 | 3,408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,838 |
| Cost of funding earning assets | 0.8658% | 849 |
| Net interest margin | 3.7150% | 2,873 |
| Noninterest income to average assets | 0.3062% | 4,126 |
| Noninterest expense to average assets | 2.6561% | 3,147 |
| Loan and lease loss provision to assets | 0.0801% | 2,307 |
| Net operating income to assets | 1.1878% | 2,250 |
| Return on assets (ROA) | 1.1878% | 2,248 |
| Pretax return on assets | 1.1878% | 2,980 |
| Return on Equity (ROE) | 9.7049% | 2,710 |
| Retained earnings to average equity (ytd only) | 0.5501% | 4,848 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6879% | 2,699 |
| Assets per employee ($millions) | 4.0695% | 3,783 |
| Cash dividends to net income (ytd only)* | 94.3320% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,135 |
| Loan loss allowance to noncurrent loans | 412.0690% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 4,091 |
| Noncurrent loans to loans | 0.2296% | 3,894 |
| Net loans and leases to total assets | 76.8668% | 1,495 |
| Net loans and leases to deposits | 98.4451% | 935 |
| Net loans and leases to core deposits | 100.3871% | 1,705 |
| Total domestic deposits to total assets | 78.0808% | 4,577 |
| Equity capital to assets | 11.7137% | 2,053 |
| Core capital (leverage) ratio | 11.9972% | 1,716 |
| Tier 1 risk-based capital ratio | 19.0169% | 1,547 |
| Total risk-based capital ratio | 20.2087% | 1,521 |
| Memoranda: | ||
| Average total assets | $124,769,000 | 3,780 |
| Average earning assets | $121,506,000 | 3,680 |
| Average equity | $15,270,670 | 3,649 |
| Average total loans | $94,773,000 | 3,433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 1,905 |
| Cost of funding earning assets | 0.8048% | 931 |
| Net interest margin | 3.6837% | 2,863 |
| Noninterest income to average assets | 0.3835% | 3,576 |
| Noninterest expense to average assets | 2.7401% | 2,909 |
| Loan and lease loss provision to assets | 0.1639% | 1,094 |
| Net operating income to assets | 1.0652% | 2,584 |
| Return on assets (ROA) | 1.0652% | 2,595 |
| Pretax return on assets | 1.0652% | 3,298 |
| Return on Equity (ROE) | 8.5084% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.5081% | 3,802 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0339% | 2,660 |
| Assets per employee ($millions) | 4.0304% | 3,928 |
| Cash dividends to net income (ytd only)* | 58.7692% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,880 |
| Loan loss allowance to noncurrent loans | 440.5530% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 3,209 |
| Noncurrent loans to loans | 0.2297% | 3,946 |
| Net loans and leases to total assets | 74.8547% | 1,735 |
| Net loans and leases to deposits | 89.2866% | 1,783 |
| Net loans and leases to core deposits | 90.9882% | 2,374 |
| Total domestic deposits to total assets | 83.8365% | 3,393 |
| Equity capital to assets | 12.2825% | 1,615 |
| Core capital (leverage) ratio | 12.6472% | 1,320 |
| Tier 1 risk-based capital ratio | 19.5605% | 1,425 |
| Total risk-based capital ratio | 20.7791% | 1,402 |
| Memoranda: | ||
| Average total assets | $122,041,500 | 3,864 |
| Average earning assets | $118,794,500 | 3,768 |
| Average equity | $15,279,000 | 3,674 |
| Average total loans | $91,632,000 | 3,513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,260 |
| Cost of funding earning assets | 0.7299% | 890 |
| Net interest margin | 3.5906% | 3,203 |
| Noninterest income to average assets | 0.2258% | 4,787 |
| Noninterest expense to average assets | 2.6804% | 3,192 |
| Loan and lease loss provision to assets | 0.0435% | 3,370 |
| Net operating income to assets | 0.9961% | 2,260 |
| Return on assets (ROA) | 0.9961% | 2,297 |
| Pretax return on assets | 0.9961% | 3,588 |
| Return on Equity (ROE) | 7.9983% | 2,795 |
| Retained earnings to average equity (ytd only) | -0.3890% | 5,102 |
| Net charge-offs to loans | 0.2337% | 1,107 |
| Credit loss provision to net charge-offs | 26.2376% | 3,569 |
| Earnings coverage of net charge-offs (x) | 6.2673% | 3,204 |
| Efficiency ratio | 72.0530% | 2,218 |
| Assets per employee ($millions) | 3.8433% | 4,217 |
| Cash dividends to net income (ytd only)* | 104.8640% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,806 |
| Loan loss allowance to noncurrent loans | 245.5285% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,621 |
| Noncurrent loans to loans | 0.4156% | 3,280 |
| Net loans and leases to total assets | 73.7588% | 1,960 |
| Net loans and leases to deposits | 86.4786% | 2,198 |
| Net loans and leases to core deposits | 87.9342% | 2,729 |
| Total domestic deposits to total assets | 85.2914% | 2,728 |
| Equity capital to assets | 12.7681% | 1,370 |
| Core capital (leverage) ratio | 12.3575% | 1,420 |
| Tier 1 risk-based capital ratio | 21.9623% | 1,022 |
| Total risk-based capital ratio | 23.2126% | 1,005 |
| Memoranda: | ||
| Average total assets | $121,774,000 | 3,861 |
| Average earning assets | $118,502,800 | 3,773 |
| Average equity | $15,165,800 | 3,702 |
| Average total loans | $86,421,600 | 3,603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,511 |
| Cost of funding earning assets | 0.7072% | 929 |
| Net interest margin | 3.5250% | 3,408 |
| Noninterest income to average assets | 0.2265% | 4,858 |
| Noninterest expense to average assets | 2.5788% | 3,471 |
| Loan and lease loss provision to assets | 0.0545% | 3,002 |
| Net operating income to assets | 1.0237% | 2,452 |
| Return on assets (ROA) | 1.0237% | 2,493 |
| Pretax return on assets | 1.0237% | 3,596 |
| Return on Equity (ROE) | 8.2703% | 2,986 |
| Retained earnings to average equity (ytd only) | -2.9210% | 5,484 |
| Net charge-offs to loans | 0.3138% | 668 |
| Credit loss provision to net charge-offs | 24.7525% | 3,123 |
| Earnings coverage of net charge-offs (x) | 4.9009% | 3,171 |
| Efficiency ratio | 70.5182% | 2,450 |
| Assets per employee ($millions) | 4.0861% | 3,848 |
| Cash dividends to net income (ytd only)* | 135.3196% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,781 |
| Loan loss allowance to noncurrent loans | 1,143.0380% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 3,522 |
| Noncurrent loans to loans | 0.0920% | 4,699 |
| Net loans and leases to total assets | 69.3187% | 2,659 |
| Net loans and leases to deposits | 80.3961% | 2,934 |
| Net loans and leases to core deposits | 81.8883% | 3,296 |
| Total domestic deposits to total assets | 86.2216% | 2,223 |
| Equity capital to assets | 12.1868% | 1,843 |
| Core capital (leverage) ratio | 12.1840% | 1,578 |
| Tier 1 risk-based capital ratio | 21.5582% | 1,107 |
| Total risk-based capital ratio | 22.8080% | 1,088 |
| Memoranda: | ||
| Average total assets | $122,432,250 | 3,897 |
| Average earning assets | $119,145,750 | 3,801 |
| Average equity | $15,154,250 | 3,734 |
| Average total loans | $85,831,250 | 3,640 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,489 |
| Cost of funding earning assets | 0.7020% | 886 |
| Net interest margin | 3.4933% | 3,426 |
| Noninterest income to average assets | 0.2108% | 4,994 |
| Noninterest expense to average assets | 2.5543% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0557% | 2,181 |
| Return on assets (ROA) | 1.0557% | 2,222 |
| Pretax return on assets | 1.0557% | 3,355 |
| Return on Equity (ROE) | 8.4855% | 2,781 |
| Retained earnings to average equity (ytd only) | -3.2182% | 5,447 |
| Net charge-offs to loans | 0.1655% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.0986% | 2,466 |
| Efficiency ratio | 70.7560% | 2,541 |
| Assets per employee ($millions) | 4.2434% | 3,535 |
| Cash dividends to net income (ytd only)* | 137.9257% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,420 |
| Loan loss allowance to noncurrent loans | 183.5821% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,749 |
| Noncurrent loans to loans | 0.6155% | 2,884 |
| Net loans and leases to total assets | 69.9616% | 2,532 |
| Net loans and leases to deposits | 81.0228% | 2,802 |
| Net loans and leases to core deposits | 82.5153% | 3,209 |
| Total domestic deposits to total assets | 86.3480% | 2,218 |
| Equity capital to assets | 12.2104% | 1,778 |
| Core capital (leverage) ratio | 12.2294% | 1,513 |
| Tier 1 risk-based capital ratio | 22.8442% | 965 |
| Total risk-based capital ratio | 24.0969% | 946 |
| Memoranda: | ||
| Average total assets | $122,382,000 | 3,920 |
| Average earning assets | $119,085,670 | 3,825 |
| Average equity | $15,226,000 | 3,733 |
| Average total loans | $85,816,330 | 3,660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,397 |
| Cost of funding earning assets | 0.6871% | 894 |
| Net interest margin | 3.4792% | 3,359 |
| Noninterest income to average assets | 0.2065% | 5,036 |
| Noninterest expense to average assets | 2.6056% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9865% | 2,362 |
| Return on assets (ROA) | 0.9865% | 2,413 |
| Pretax return on assets | 0.9865% | 3,422 |
| Return on Equity (ROE) | 7.8559% | 2,991 |
| Retained earnings to average equity (ytd only) | 2.8709% | 3,984 |
| Net charge-offs to loans | 0.0751% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.8125% | 1,557 |
| Efficiency ratio | 72.5365% | 2,480 |
| Assets per employee ($millions) | 4.2606% | 3,566 |
| Cash dividends to net income (ytd only)* | 63.4551% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,951 |
| Loan loss allowance to noncurrent loans | 167.8514% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 2,502 |
| Noncurrent loans to loans | 0.7315% | 2,670 |
| Net loans and leases to total assets | 67.6435% | 2,735 |
| Net loans and leases to deposits | 78.5200% | 2,915 |
| Net loans and leases to core deposits | 79.9394% | 3,303 |
| Total domestic deposits to total assets | 86.1482% | 2,606 |
| Equity capital to assets | 12.4484% | 1,572 |
| Core capital (leverage) ratio | 12.7345% | 1,240 |
| Tier 1 risk-based capital ratio | 24.3113% | 838 |
| Total risk-based capital ratio | 25.5663% | 817 |
| Memoranda: | ||
| Average total assets | $122,043,500 | 3,963 |
| Average earning assets | $118,761,500 | 3,854 |
| Average equity | $15,326,000 | 3,742 |
| Average total loans | $85,185,500 | 3,704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,262 |
| Cost of funding earning assets | 0.6827% | 894 |
| Net interest margin | 3.5809% | 3,132 |
| Noninterest income to average assets | 0.2340% | 5,011 |
| Noninterest expense to average assets | 2.5233% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1930% | 1,535 |
| Return on assets (ROA) | 1.1930% | 1,625 |
| Pretax return on assets | 1.1930% | 2,700 |
| Return on Equity (ROE) | 9.6130% | 2,141 |
| Retained earnings to average equity (ytd only) | 2.4116% | 4,154 |
| Net charge-offs to loans | 0.0802% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.2206% | 1,806 |
| Efficiency ratio | 67.8977% | 3,256 |
| Assets per employee ($millions) | 4.1562% | 3,694 |
| Cash dividends to net income (ytd only)* | 74.9134% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,937 |
| Loan loss allowance to noncurrent loans | 538.2653% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 3,945 |
| Noncurrent loans to loans | 0.2286% | 4,329 |
| Net loans and leases to total assets | 70.2719% | 2,424 |
| Net loans and leases to deposits | 81.7983% | 2,692 |
| Net loans and leases to core deposits | 83.3150% | 3,094 |
| Total domestic deposits to total assets | 85.9088% | 2,628 |
| Equity capital to assets | 12.6700% | 1,414 |
| Core capital (leverage) ratio | 12.3508% | 1,406 |
| Tier 1 risk-based capital ratio | 24.0439% | 863 |
| Total risk-based capital ratio | 25.2988% | 841 |
| Memoranda: | ||
| Average total assets | $120,952,200 | 3,977 |
| Average earning assets | $117,625,600 | 3,873 |
| Average equity | $15,011,000 | 3,807 |
| Average total loans | $84,747,200 | 3,693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,328 |
| Cost of funding earning assets | 0.6626% | 992 |
| Net interest margin | 3.5894% | 3,111 |
| Noninterest income to average assets | 0.2357% | 5,063 |
| Noninterest expense to average assets | 2.4880% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2379% | 1,497 |
| Return on assets (ROA) | 1.2379% | 1,596 |
| Pretax return on assets | 1.2379% | 2,667 |
| Return on Equity (ROE) | 10.0270% | 2,042 |
| Retained earnings to average equity (ytd only) | 0.3836% | 5,255 |
| Net charge-offs to loans | 0.0095% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 187.3288% | 391 |
| Efficiency ratio | 66.7751% | 3,459 |
| Assets per employee ($millions) | 3.8774% | 4,169 |
| Cash dividends to net income (ytd only)* | 96.1745% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 2,524 |
| Loan loss allowance to noncurrent loans | 204.2048% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 3,599 |
| Noncurrent loans to loans | 0.6524% | 3,066 |
| Net loans and leases to total assets | 68.8281% | 2,677 |
| Net loans and leases to deposits | 80.7681% | 2,880 |
| Net loans and leases to core deposits | 82.2824% | 3,257 |
| Total domestic deposits to total assets | 85.2169% | 2,712 |
| Equity capital to assets | 12.4395% | 1,814 |
| Core capital (leverage) ratio | 12.3823% | 1,449 |
| Tier 1 risk-based capital ratio | 23.8036% | 918 |
| Total risk-based capital ratio | 25.0597% | 904 |
| Memoranda: | ||
| Average total assets | $121,058,000 | 3,992 |
| Average earning assets | $117,712,750 | 3,895 |
| Average equity | $14,946,000 | 3,843 |
| Average total loans | $84,495,750 | 3,716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,258 |
| Cost of funding earning assets | 0.6550% | 1,029 |
| Net interest margin | 3.6144% | 3,039 |
| Noninterest income to average assets | 0.2275% | 5,127 |
| Noninterest expense to average assets | 2.4492% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2889% | 1,306 |
| Return on assets (ROA) | 1.2889% | 1,419 |
| Pretax return on assets | 1.2889% | 2,454 |
| Return on Equity (ROE) | 10.4657% | 1,866 |
| Retained earnings to average equity (ytd only) | -1.4454% | 5,485 |
| Net charge-offs to loans | 0.0142% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 460 |
| Efficiency ratio | 65.5203% | 3,754 |
| Assets per employee ($millions) | 3.7991% | 4,267 |
| Cash dividends to net income (ytd only)* | 113.8107% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,734 |
| Loan loss allowance to noncurrent loans | 803.5971% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 5,054 |
| Noncurrent loans to loans | 0.1629% | 4,789 |
| Net loans and leases to total assets | 69.2517% | 2,596 |
| Net loans and leases to deposits | 80.9387% | 2,824 |
| Net loans and leases to core deposits | 82.4285% | 3,227 |
| Total domestic deposits to total assets | 85.5607% | 2,623 |
| Equity capital to assets | 12.1748% | 1,992 |
| Core capital (leverage) ratio | 12.2367% | 1,501 |
| Tier 1 risk-based capital ratio | 23.6196% | 945 |
| Total risk-based capital ratio | 24.8755% | 920 |
| Memoranda: | ||
| Average total assets | $121,344,670 | 4,020 |
| Average earning assets | $117,862,670 | 3,918 |
| Average equity | $14,944,000 | 3,865 |
| Average total loans | $84,712,000 | 3,727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 2,298 |
| Cost of funding earning assets | 0.6495% | 1,057 |
| Net interest margin | 3.6009% | 3,078 |
| Noninterest income to average assets | 0.2277% | 5,109 |
| Noninterest expense to average assets | 2.3888% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3330% | 1,178 |
| Return on assets (ROA) | 1.3330% | 1,258 |
| Pretax return on assets | 1.3330% | 2,168 |
| Return on Equity (ROE) | 10.7622% | 1,689 |
| Retained earnings to average equity (ytd only) | 5.6741% | 2,542 |
| Net charge-offs to loans | 0.0284% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 724 |
| Efficiency ratio | 64.1844% | 4,091 |
| Assets per employee ($millions) | 3.7766% | 4,350 |
| Cash dividends to net income (ytd only)* | 47.2772% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,820 |
| Loan loss allowance to noncurrent loans | 706.9620% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 5,054 |
| Noncurrent loans to loans | 0.1862% | 4,745 |
| Net loans and leases to total assets | 69.2723% | 2,461 |
| Net loans and leases to deposits | 81.3023% | 2,632 |
| Net loans and leases to core deposits | 82.5709% | 3,079 |
| Total domestic deposits to total assets | 85.2034% | 3,038 |
| Equity capital to assets | 12.5128% | 1,674 |
| Core capital (leverage) ratio | 12.4886% | 1,345 |
| Tier 1 risk-based capital ratio | 24.5161% | 863 |
| Total risk-based capital ratio | 25.7725% | 846 |
| Memoranda: | ||
| Average total assets | $121,231,500 | 4,049 |
| Average earning assets | $117,636,000 | 3,948 |
| Average equity | $15,015,500 | 3,869 |
| Average total loans | $84,414,500 | 3,742 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,635 |
| Cost of funding earning assets | 0.6757% | 935 |
| Net interest margin | 3.5015% | 3,517 |
| Noninterest income to average assets | 0.1948% | 5,419 |
| Noninterest expense to average assets | 2.4503% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1567% | 1,710 |
| Return on assets (ROA) | 1.1567% | 1,784 |
| Pretax return on assets | 1.1567% | 2,818 |
| Return on Equity (ROE) | 9.8684% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.3101% | 3,694 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9313% | 3,581 |
| Assets per employee ($millions) | 3.8003% | 4,293 |
| Cash dividends to net income (ytd only)* | 66.4579% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,721 |
| Loan loss allowance to noncurrent loans | 1,261.7978% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 4,330 |
| Noncurrent loans to loans | 0.1060% | 5,079 |
| Net loans and leases to total assets | 68.1452% | 2,685 |
| Net loans and leases to deposits | 79.6785% | 2,857 |
| Net loans and leases to core deposits | 81.5717% | 3,194 |
| Total domestic deposits to total assets | 85.5252% | 2,849 |
| Equity capital to assets | 12.2596% | 1,771 |
| Core capital (leverage) ratio | 11.9183% | 1,667 |
| Tier 1 risk-based capital ratio | 24.6732% | 844 |
| Total risk-based capital ratio | 25.9292% | 828 |
| Memoranda: | ||
| Average total assets | $124,230,000 | 4,002 |
| Average earning assets | $121,063,600 | 3,864 |
| Average equity | $14,561,600 | 3,895 |
| Average total loans | $84,609,400 | 3,711 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,725 |
| Cost of funding earning assets | 0.6775% | 942 |
| Net interest margin | 3.4806% | 3,625 |
| Noninterest income to average assets | 0.1932% | 5,501 |
| Noninterest expense to average assets | 2.4502% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1381% | 1,873 |
| Return on assets (ROA) | 1.1381% | 1,942 |
| Pretax return on assets | 1.1381% | 3,058 |
| Return on Equity (ROE) | 9.8192% | 2,173 |
| Retained earnings to average equity (ytd only) | 1.0317% | 5,305 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2832% | 3,488 |
| Assets per employee ($millions) | 3.8572% | 4,165 |
| Cash dividends to net income (ytd only)* | 89.4934% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,941 |
| Loan loss allowance to noncurrent loans | 4,319.2308% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 4,728 |
| Noncurrent loans to loans | 0.0309% | 5,496 |
| Net loans and leases to total assets | 67.3640% | 2,798 |
| Net loans and leases to deposits | 78.4326% | 3,058 |
| Net loans and leases to core deposits | 81.1865% | 3,328 |
| Total domestic deposits to total assets | 85.8877% | 2,591 |
| Equity capital to assets | 11.7791% | 2,280 |
| Core capital (leverage) ratio | 11.6937% | 1,893 |
| Tier 1 risk-based capital ratio | 23.7966% | 964 |
| Total risk-based capital ratio | 25.0536% | 952 |
| Memoranda: | ||
| Average total assets | $124,884,750 | 4,026 |
| Average earning assets | $121,815,500 | 3,884 |
| Average equity | $14,474,750 | 3,950 |
| Average total loans | $84,763,000 | 3,736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 2,788 |
| Cost of funding earning assets | 0.6784% | 943 |
| Net interest margin | 3.4523% | 3,697 |
| Noninterest income to average assets | 0.1851% | 5,585 |
| Noninterest expense to average assets | 2.4456% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1087% | 1,915 |
| Return on assets (ROA) | 1.1087% | 2,002 |
| Pretax return on assets | 1.1087% | 3,134 |
| Return on Equity (ROE) | 9.6172% | 2,247 |
| Retained earnings to average equity (ytd only) | -0.9548% | 5,685 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8061% | 3,533 |
| Assets per employee ($millions) | 4.1396% | 3,591 |
| Cash dividends to net income (ytd only)* | 109.9281% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 3,179 |
| Loan loss allowance to noncurrent loans | 391.2892% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 4,951 |
| Noncurrent loans to loans | 0.3354% | 4,485 |
| Net loans and leases to total assets | 67.9910% | 2,645 |
| Net loans and leases to deposits | 78.9852% | 2,907 |
| Net loans and leases to core deposits | 81.5350% | 3,235 |
| Total domestic deposits to total assets | 86.0807% | 2,657 |
| Equity capital to assets | 11.5616% | 2,362 |
| Core capital (leverage) ratio | 11.6385% | 1,899 |
| Tier 1 risk-based capital ratio | 23.2176% | 1,048 |
| Total risk-based capital ratio | 24.4741% | 1,032 |
| Memoranda: | ||
| Average total assets | $125,369,330 | 4,051 |
| Average earning assets | $122,353,670 | 3,907 |
| Average equity | $14,453,330 | 3,972 |
| Average total loans | $84,927,000 | 3,751 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 2,735 |
| Cost of funding earning assets | 0.6769% | 968 |
| Net interest margin | 3.4462% | 3,639 |
| Noninterest income to average assets | 0.1651% | 5,744 |
| Noninterest expense to average assets | 2.4516% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0765% | 1,943 |
| Return on assets (ROA) | 1.0765% | 2,062 |
| Pretax return on assets | 1.0765% | 3,186 |
| Return on Equity (ROE) | 9.3511% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.0825% | 3,555 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4869% | 3,581 |
| Assets per employee ($millions) | 4.3806% | 3,231 |
| Cash dividends to net income (ytd only)* | 56.3422% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 3,217 |
| Loan loss allowance to noncurrent loans | 373.0897% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 4,694 |
| Noncurrent loans to loans | 0.3579% | 4,524 |
| Net loans and leases to total assets | 65.3164% | 2,876 |
| Net loans and leases to deposits | 75.7205% | 3,086 |
| Net loans and leases to core deposits | 79.2694% | 3,256 |
| Total domestic deposits to total assets | 86.2599% | 2,789 |
| Equity capital to assets | 11.4730% | 2,485 |
| Core capital (leverage) ratio | 11.6094% | 1,919 |
| Tier 1 risk-based capital ratio | 24.0591% | 990 |
| Total risk-based capital ratio | 25.3153% | 972 |
| Memoranda: | ||
| Average total assets | $125,960,500 | 4,065 |
| Average earning assets | $122,918,500 | 3,927 |
| Average equity | $14,501,000 | 3,996 |
| Average total loans | $84,611,000 | 3,786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,666 |
| Cost of funding earning assets | 0.7397% | 900 |
| Net interest margin | 3.5442% | 3,624 |
| Noninterest income to average assets | 0.2176% | 5,547 |
| Noninterest expense to average assets | 2.2657% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4050% | 1,076 |
| Return on assets (ROA) | 1.4050% | 1,105 |
| Pretax return on assets | 1.4050% | 1,868 |
| Return on Equity (ROE) | 12.7810% | 1,185 |
| Retained earnings to average equity (ytd only) | 7.2901% | 1,278 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7241% | 4,949 |
| Assets per employee ($millions) | 4.3063% | 3,354 |
| Cash dividends to net income (ytd only)* | 42.9617% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,322 |
| Loan loss allowance to noncurrent loans | 280.7500% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,763 |
| Noncurrent loans to loans | 0.4699% | 4,245 |
| Net loans and leases to total assets | 67.2624% | 2,685 |
| Net loans and leases to deposits | 78.0452% | 2,967 |
| Net loans and leases to core deposits | 82.0890% | 3,098 |
| Total domestic deposits to total assets | 86.1840% | 2,731 |
| Equity capital to assets | 11.5523% | 2,382 |
| Core capital (leverage) ratio | 11.5523% | 1,940 |
| Tier 1 risk-based capital ratio | 23.5959% | 995 |
| Total risk-based capital ratio | 24.8536% | 978 |
| Memoranda: | ||
| Average total assets | $126,405,000 | 4,050 |
| Average earning assets | $123,158,800 | 3,899 |
| Average equity | $13,895,600 | 4,044 |
| Average total loans | $87,405,000 | 3,689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,635 |
| Cost of funding earning assets | 0.7330% | 976 |
| Net interest margin | 3.5667% | 3,570 |
| Noninterest income to average assets | 0.2314% | 5,547 |
| Noninterest expense to average assets | 2.2305% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4754% | 983 |
| Return on assets (ROA) | 1.4754% | 1,013 |
| Pretax return on assets | 1.4754% | 1,724 |
| Return on Equity (ROE) | 13.5919% | 1,075 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,272 |
| Net charge-offs to loans | 0.0106% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 200.4952% | 320 |
| Efficiency ratio | 60.1873% | 5,151 |
| Assets per employee ($millions) | 4.3370% | 3,235 |
| Cash dividends to net income (ytd only)* | 54.3836% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 3,840 |
| Loan loss allowance to noncurrent loans | 1,023.8532% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,815 |
| Noncurrent loans to loans | 0.1237% | 5,558 |
| Net loans and leases to total assets | 69.1688% | 2,333 |
| Net loans and leases to deposits | 80.5330% | 2,612 |
| Net loans and leases to core deposits | 84.6947% | 2,812 |
| Total domestic deposits to total assets | 85.8888% | 2,906 |
| Equity capital to assets | 11.1742% | 2,793 |
| Core capital (leverage) ratio | 11.1742% | 2,332 |
| Tier 1 risk-based capital ratio | 22.6054% | 1,174 |
| Total risk-based capital ratio | 23.8616% | 1,155 |
| Memoranda: | ||
| Average total assets | $126,785,250 | 4,069 |
| Average earning assets | $123,510,250 | 3,919 |
| Average equity | $13,762,750 | 4,084 |
| Average total loans | $87,975,500 | 3,709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,752 |
| Cost of funding earning assets | 0.7386% | 973 |
| Net interest margin | 3.5185% | 3,704 |
| Noninterest income to average assets | 0.1526% | 6,033 |
| Noninterest expense to average assets | 2.1806% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3971% | 1,070 |
| Return on assets (ROA) | 1.3971% | 1,110 |
| Pretax return on assets | 1.3971% | 1,896 |
| Return on Equity (ROE) | 12.9961% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.4054% | 1,566 |
| Net charge-offs to loans | 0.0159% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 126.8571% | 472 |
| Efficiency ratio | 60.9499% | 5,149 |
| Assets per employee ($millions) | 4.3526% | 3,174 |
| Cash dividends to net income (ytd only)* | 43.0180% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,106 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.9011% | 2,103 |
| Net loans and leases to deposits | 81.2464% | 2,355 |
| Net loans and leases to core deposits | 85.2055% | 2,589 |
| Total domestic deposits to total assets | 86.0359% | 3,021 |
| Equity capital to assets | 11.0280% | 2,846 |
| Core capital (leverage) ratio | 11.0280% | 2,399 |
| Tier 1 risk-based capital ratio | 21.9047% | 1,272 |
| Total risk-based capital ratio | 23.1604% | 1,248 |
| Memoranda: | ||
| Average total assets | $127,123,000 | 4,092 |
| Average earning assets | $123,745,330 | 3,939 |
| Average equity | $13,665,670 | 4,109 |
| Average total loans | $87,930,330 | 3,716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,734 |
| Cost of funding earning assets | 0.7389% | 1,025 |
| Net interest margin | 3.4976% | 3,702 |
| Noninterest income to average assets | 0.1411% | 6,132 |
| Noninterest expense to average assets | 2.1603% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3796% | 1,037 |
| Return on assets (ROA) | 1.3796% | 1,079 |
| Pretax return on assets | 1.3796% | 1,820 |
| Return on Equity (ROE) | 13.0000% | 1,162 |
| Retained earnings to average equity (ytd only) | 7.3568% | 1,880 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0275% | 5,265 |
| Assets per employee ($millions) | 4.3991% | 3,152 |
| Cash dividends to net income (ytd only)* | 43.4091% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,165 |
| Loan loss allowance to noncurrent loans | 2,246.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 6,174 |
| Noncurrent loans to loans | 0.0576% | 5,980 |
| Net loans and leases to total assets | 67.2214% | 2,356 |
| Net loans and leases to deposits | 77.8328% | 2,581 |
| Net loans and leases to core deposits | 81.8753% | 2,746 |
| Total domestic deposits to total assets | 86.3663% | 3,174 |
| Equity capital to assets | 10.7099% | 3,029 |
| Core capital (leverage) ratio | 10.7099% | 2,693 |
| Tier 1 risk-based capital ratio | 21.8976% | 1,310 |
| Total risk-based capital ratio | 23.1541% | 1,280 |
| Memoranda: | ||
| Average total assets | $127,572,500 | 4,118 |
| Average earning assets | $123,970,000 | 3,967 |
| Average equity | $13,538,500 | 4,147 |
| Average total loans | $87,221,500 | 3,765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 1,283 |
| Cost of funding earning assets | 0.8661% | 880 |
| Net interest margin | 3.9473% | 2,113 |
| Noninterest income to average assets | 0.0327% | 6,588 |
| Noninterest expense to average assets | 2.1188% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7380% | 540 |
| Return on assets (ROA) | 1.7380% | 557 |
| Pretax return on assets | 1.7380% | 879 |
| Return on Equity (ROE) | 15.8819% | 635 |
| Retained earnings to average equity (ytd only) | 0.5836% | 5,577 |
| Net charge-offs to loans | -0.0153% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9369% | 6,055 |
| Assets per employee ($millions) | 4.5561% | 2,813 |
| Cash dividends to net income (ytd only)* | 96.3252% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 4,220 |
| Loan loss allowance to noncurrent loans | 2,291.8367% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,264 |
| Noncurrent loans to loans | 0.0560% | 6,065 |
| Net loans and leases to total assets | 67.7583% | 2,399 |
| Net loans and leases to deposits | 78.2680% | 2,690 |
| Net loans and leases to core deposits | 82.5510% | 2,828 |
| Total domestic deposits to total assets | 86.5722% | 2,957 |
| Equity capital to assets | 10.5149% | 3,135 |
| Core capital (leverage) ratio | 10.5149% | 2,901 |
| Tier 1 risk-based capital ratio | 20.9231% | 1,435 |
| Total risk-based capital ratio | 22.1787% | 1,415 |
| Memoranda: | ||
| Average total assets | $125,261,200 | 4,154 |
| Average earning assets | $121,348,200 | 4,024 |
| Average equity | $13,707,400 | 4,123 |
| Average total loans | $91,591,400 | 3,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 1,018 |
| Cost of funding earning assets | 0.8613% | 983 |
| Net interest margin | 4.0961% | 1,646 |
| Noninterest income to average assets | 0.0781% | 6,547 |
| Noninterest expense to average assets | 2.0574% | 5,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9922% | 368 |
| Return on assets (ROA) | 1.9922% | 380 |
| Pretax return on assets | 1.9922% | 583 |
| Return on Equity (ROE) | 18.0247% | 440 |
| Retained earnings to average equity (ytd only) | 7.5563% | 1,617 |
| Net charge-offs to loans | -0.0115% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8054% | 6,349 |
| Assets per employee ($millions) | 4.4723% | 2,926 |
| Cash dividends to net income (ytd only)* | 58.0783% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 4,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 6,078 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.4809% | 1,686 |
| Net loans and leases to deposits | 84.5689% | 1,804 |
| Net loans and leases to core deposits | 88.4043% | 2,140 |
| Total domestic deposits to total assets | 84.5239% | 3,966 |
| Equity capital to assets | 11.2725% | 2,494 |
| Core capital (leverage) ratio | 11.2725% | 2,226 |
| Tier 1 risk-based capital ratio | 21.2354% | 1,449 |
| Total risk-based capital ratio | 22.4900% | 1,413 |
| Memoranda: | ||
| Average total assets | $124,683,750 | 4,210 |
| Average earning assets | $120,893,750 | 4,079 |
| Average equity | $13,780,750 | 4,157 |
| Average total loans | $92,598,500 | 3,655 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 709 |
| Cost of funding earning assets | 0.8455% | 1,164 |
| Net interest margin | 4.2952% | 1,043 |
| Noninterest income to average assets | -0.0514% | 6,836 |
| Noninterest expense to average assets | 2.0112% | 6,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1076% | 302 |
| Return on assets (ROA) | 2.1076% | 317 |
| Pretax return on assets | 2.1076% | 491 |
| Return on Equity (ROE) | 19.1967% | 367 |
| Retained earnings to average equity (ytd only) | 6.1892% | 2,329 |
| Net charge-offs to loans | -0.0172% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8300% | 6,494 |
| Assets per employee ($millions) | 4.1709% | 3,426 |
| Cash dividends to net income (ytd only)* | 67.7591% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 4,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 6,128 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 72.9882% | 1,404 |
| Net loans and leases to deposits | 86.4488% | 1,526 |
| Net loans and leases to core deposits | 90.3692% | 1,879 |
| Total domestic deposits to total assets | 84.4294% | 4,155 |
| Equity capital to assets | 10.9944% | 2,754 |
| Core capital (leverage) ratio | 10.9944% | 2,360 |
| Tier 1 risk-based capital ratio | 20.1727% | 1,687 |
| Total risk-based capital ratio | 21.4279% | 1,659 |
| Memoranda: | ||
| Average total assets | $124,503,330 | 4,247 |
| Average earning assets | $120,878,670 | 4,104 |
| Average equity | $13,669,000 | 4,212 |
| Average total loans | $93,255,000 | 3,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 367 |
| Cost of funding earning assets | 0.8407% | 1,304 |
| Net interest margin | 4.6654% | 505 |
| Noninterest income to average assets | -0.0709% | 6,909 |
| Noninterest expense to average assets | 1.9679% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4833% | 160 |
| Return on assets (ROA) | 2.4833% | 173 |
| Pretax return on assets | 2.4833% | 274 |
| Return on Equity (ROE) | 22.6349% | 174 |
| Retained earnings to average equity (ytd only) | 17.0569% | 228 |
| Net charge-offs to loans | -0.0171% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2113% | 6,766 |
| Assets per employee ($millions) | 4.4720% | 3,023 |
| Cash dividends to net income (ytd only)* | 24.6433% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 5,797 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.8542% | 1,101 |
| Net loans and leases to deposits | 87.6253% | 1,184 |
| Net loans and leases to core deposits | 91.0225% | 1,603 |
| Total domestic deposits to total assets | 84.2841% | 4,362 |
| Equity capital to assets | 11.1127% | 2,834 |
| Core capital (leverage) ratio | 11.1127% | 2,168 |
| Tier 1 risk-based capital ratio | 20.1901% | 1,723 |
| Total risk-based capital ratio | 21.4452% | 1,696 |
| Memoranda: | ||
| Average total assets | $124,191,500 | 4,301 |
| Average earning assets | $120,375,500 | 4,148 |
| Average equity | $13,625,000 | 4,265 |
| Average total loans | $93,660,000 | 3,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,804 |
| Cost of funding earning assets | 1.1623% | 686 |
| Net interest margin | 3.7490% | 3,444 |
| Noninterest income to average assets | 0.1777% | 6,128 |
| Noninterest expense to average assets | 2.0570% | 6,215 |
| Loan and lease loss provision to assets | 0.4465% | 1,415 |
| Net operating income to assets | 1.2958% | 1,314 |
| Return on assets (ROA) | 1.2958% | 1,466 |
| Pretax return on assets | 1.2958% | 2,422 |
| Return on Equity (ROE) | 12.8314% | 1,277 |
| Retained earnings to average equity (ytd only) | 4.4906% | 3,072 |
| Net charge-offs to loans | 0.6597% | 1,785 |
| Credit loss provision to net charge-offs | 90.6646% | 3,453 |
| Earnings coverage of net charge-offs (x) | 3.5380% | 3,689 |
| Efficiency ratio | 54.1427% | 6,252 |
| Assets per employee ($millions) | 4.3988% | 3,150 |
| Cash dividends to net income (ytd only)* | 65.0030% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,198 |
| Loan loss allowance to noncurrent loans | 150.6793% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 3,488 |
| Noncurrent loans to loans | 0.7852% | 4,610 |
| Net loans and leases to total assets | 75.1993% | 1,023 |
| Net loans and leases to deposits | 88.9969% | 1,167 |
| Net loans and leases to core deposits | 92.7016% | 1,579 |
| Total domestic deposits to total assets | 84.4965% | 4,085 |
| Equity capital to assets | 10.8269% | 3,143 |
| Core capital (leverage) ratio | 10.8269% | 2,409 |
| Tier 1 risk-based capital ratio | 18.4624% | 2,115 |
| Total risk-based capital ratio | 19.7140% | 2,082 |
| Memoranda: | ||
| Average total assets | $128,342,000 | 4,179 |
| Average earning assets | $123,981,000 | 4,019 |
| Average equity | $12,960,400 | 4,367 |
| Average total loans | $95,805,800 | 3,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 2,023 |
| Cost of funding earning assets | 1.2299% | 601 |
| Net interest margin | 3.6651% | 3,944 |
| Noninterest income to average assets | 0.1831% | 6,210 |
| Noninterest expense to average assets | 2.0806% | 6,207 |
| Loan and lease loss provision to assets | 0.2407% | 2,645 |
| Net operating income to assets | 1.4018% | 1,217 |
| Return on assets (ROA) | 1.4018% | 1,342 |
| Pretax return on assets | 1.4018% | 2,230 |
| Return on Equity (ROE) | 14.1239% | 1,083 |
| Retained earnings to average equity (ytd only) | 2.9118% | 4,810 |
| Net charge-offs to loans | 0.2699% | 3,108 |
| Credit loss provision to net charge-offs | 120.0000% | 2,414 |
| Earnings coverage of net charge-offs (x) | 8.1899% | 2,490 |
| Efficiency ratio | 55.8840% | 6,068 |
| Assets per employee ($millions) | 4.3381% | 3,193 |
| Cash dividends to net income (ytd only)* | 79.3836% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,918 |
| Loan loss allowance to noncurrent loans | 136.8481% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 2,961 |
| Noncurrent loans to loans | 0.9326% | 4,567 |
| Net loans and leases to total assets | 74.2131% | 1,219 |
| Net loans and leases to deposits | 87.7967% | 1,376 |
| Net loans and leases to core deposits | 93.1515% | 1,669 |
| Total domestic deposits to total assets | 84.5283% | 3,963 |
| Equity capital to assets | 10.3598% | 4,000 |
| Core capital (leverage) ratio | 10.3598% | 3,089 |
| Tier 1 risk-based capital ratio | 18.5925% | 2,134 |
| Total risk-based capital ratio | 19.8465% | 2,100 |
| Memoranda: | ||
| Average total assets | $129,636,000 | 4,195 |
| Average earning assets | $125,214,750 | 4,037 |
| Average equity | $12,866,750 | 4,424 |
| Average total loans | $96,325,000 | 3,647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 2,056 |
| Cost of funding earning assets | 1.3065% | 511 |
| Net interest margin | 3.6064% | 4,230 |
| Noninterest income to average assets | 0.1894% | 6,203 |
| Noninterest expense to average assets | 2.0563% | 6,320 |
| Loan and lease loss provision to assets | 0.2429% | 2,635 |
| Net operating income to assets | 1.3734% | 1,248 |
| Return on assets (ROA) | 1.3734% | 1,409 |
| Pretax return on assets | 1.3734% | 2,309 |
| Return on Equity (ROE) | 14.0345% | 1,110 |
| Retained earnings to average equity (ytd only) | 3.1222% | 4,549 |
| Net charge-offs to loans | 0.3818% | 2,492 |
| Credit loss provision to net charge-offs | 85.9459% | 3,162 |
| Earnings coverage of net charge-offs (x) | 5.7189% | 2,771 |
| Efficiency ratio | 55.9900% | 6,113 |
| Assets per employee ($millions) | 4.4656% | 2,969 |
| Cash dividends to net income (ytd only)* | 77.7531% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,399 |
| Loan loss allowance to noncurrent loans | 152.2667% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 3,305 |
| Noncurrent loans to loans | 0.7816% | 4,942 |
| Net loans and leases to total assets | 73.2133% | 1,364 |
| Net loans and leases to deposits | 86.1097% | 1,580 |
| Net loans and leases to core deposits | 91.4503% | 1,824 |
| Total domestic deposits to total assets | 85.0233% | 3,844 |
| Equity capital to assets | 10.0015% | 4,337 |
| Core capital (leverage) ratio | 10.0015% | 3,417 |
| Tier 1 risk-based capital ratio | 18.3235% | 2,189 |
| Total risk-based capital ratio | 19.5770% | 2,155 |
| Memoranda: | ||
| Average total assets | $130,913,330 | 4,188 |
| Average earning assets | $126,441,670 | 4,024 |
| Average equity | $12,811,330 | 4,432 |
| Average total loans | $96,910,000 | 3,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 2,229 |
| Cost of funding earning assets | 1.3581% | 492 |
| Net interest margin | 3.5448% | 4,511 |
| Noninterest income to average assets | 0.1732% | 6,339 |
| Noninterest expense to average assets | 2.1182% | 6,236 |
| Loan and lease loss provision to assets | 0.3799% | 1,663 |
| Net operating income to assets | 1.0941% | 2,116 |
| Return on assets (ROA) | 1.0941% | 2,308 |
| Pretax return on assets | 1.0941% | 3,347 |
| Return on Equity (ROE) | 11.3021% | 1,905 |
| Retained earnings to average equity (ytd only) | -0.6907% | 6,110 |
| Net charge-offs to loans | 0.3409% | 2,288 |
| Credit loss provision to net charge-offs | 150.6024% | 1,662 |
| Earnings coverage of net charge-offs (x) | 5.8434% | 2,294 |
| Efficiency ratio | 58.9679% | 5,775 |
| Assets per employee ($millions) | 4.3566% | 3,288 |
| Cash dividends to net income (ytd only)* | 106.1111% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,210 |
| Loan loss allowance to noncurrent loans | 568.0751% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 4,233 |
| Noncurrent loans to loans | 0.2214% | 6,245 |
| Net loans and leases to total assets | 72.6750% | 1,281 |
| Net loans and leases to deposits | 85.2318% | 1,508 |
| Net loans and leases to core deposits | 94.1405% | 1,454 |
| Total domestic deposits to total assets | 85.2675% | 3,897 |
| Equity capital to assets | 9.7401% | 4,467 |
| Core capital (leverage) ratio | 9.7390% | 3,720 |
| Tier 1 risk-based capital ratio | 17.9281% | 2,322 |
| Total risk-based capital ratio | 19.1829% | 2,288 |
| Memoranda: | ||
| Average total assets | $131,619,500 | 4,194 |
| Average earning assets | $126,945,000 | 4,038 |
| Average equity | $12,741,000 | 4,455 |
| Average total loans | $97,388,000 | 3,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 1,370 |
| Cost of funding earning assets | 1.6572% | 384 |
| Net interest margin | 3.7599% | 4,030 |
| Noninterest income to average assets | 0.2154% | 5,983 |
| Noninterest expense to average assets | 2.3581% | 5,886 |
| Loan and lease loss provision to assets | 0.1717% | 4,485 |
| Net operating income to assets | 1.3014% | 1,248 |
| Return on assets (ROA) | 1.3014% | 1,350 |
| Pretax return on assets | 1.3014% | 2,126 |
| Return on Equity (ROE) | 13.9702% | 937 |
| Retained earnings to average equity (ytd only) | 5.2631% | 2,477 |
| Net charge-offs to loans | 0.1138% | 5,238 |
| Credit loss provision to net charge-offs | 188.4298% | 1,361 |
| Earnings coverage of net charge-offs (x) | 16.1653% | 1,348 |
| Efficiency ratio | 61.5490% | 5,528 |
| Assets per employee ($millions) | 4.4181% | 3,043 |
| Cash dividends to net income (ytd only)* | 62.3264% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 5,468 |
| Loan loss allowance to noncurrent loans | 1,042.8571% | 381 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 3,862 |
| Noncurrent loans to loans | 0.1136% | 6,530 |
| Net loans and leases to total assets | 73.4967% | 1,359 |
| Net loans and leases to deposits | 85.9674% | 1,671 |
| Net loans and leases to core deposits | 97.0143% | 1,410 |
| Total domestic deposits to total assets | 85.4937% | 3,599 |
| Equity capital to assets | 9.6211% | 4,716 |
| Core capital (leverage) ratio | 9.4014% | 4,179 |
| Tier 1 risk-based capital ratio | 17.7345% | 2,290 |
| Total risk-based capital ratio | 18.9889% | 2,261 |
| Memoranda: | ||
| Average total assets | $132,778,800 | 4,111 |
| Average earning assets | $127,688,800 | 3,982 |
| Average equity | $12,369,200 | 4,464 |
| Average total loans | $106,341,400 | 3,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 1,295 |
| Cost of funding earning assets | 1.6785% | 431 |
| Net interest margin | 3.8045% | 3,857 |
| Noninterest income to average assets | 0.2228% | 6,023 |
| Noninterest expense to average assets | 2.2493% | 6,170 |
| Loan and lease loss provision to assets | 0.2098% | 3,927 |
| Net operating income to assets | 1.4243% | 1,111 |
| Return on assets (ROA) | 1.4243% | 1,180 |
| Pretax return on assets | 1.4243% | 1,869 |
| Return on Equity (ROE) | 15.4149% | 762 |
| Retained earnings to average equity (ytd only) | 3.6935% | 4,117 |
| Net charge-offs to loans | 0.0049% | 6,118 |
| Credit loss provision to net charge-offs | 5,225.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 407.2439% | 91 |
| Efficiency ratio | 57.9219% | 6,020 |
| Assets per employee ($millions) | 4.4977% | 2,922 |
| Cash dividends to net income (ytd only)* | 76.0395% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,439 |
| Loan loss allowance to noncurrent loans | 7,447.0588% | 65 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 4,348 |
| Noncurrent loans to loans | 0.0162% | 6,906 |
| Net loans and leases to total assets | 76.9243% | 844 |
| Net loans and leases to deposits | 91.5251% | 1,051 |
| Net loans and leases to core deposits | 103.1955% | 1,025 |
| Total domestic deposits to total assets | 84.0473% | 4,208 |
| Equity capital to assets | 9.2203% | 5,479 |
| Core capital (leverage) ratio | 9.1833% | 4,652 |
| Tier 1 risk-based capital ratio | 16.9302% | 2,667 |
| Total risk-based capital ratio | 18.1468% | 2,649 |
| Memoranda: | ||
| Average total assets | $132,838,000 | 4,134 |
| Average earning assets | $127,809,000 | 4,000 |
| Average equity | $12,273,500 | 4,494 |
| Average total loans | $108,281,250 | 3,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 1,161 |
| Cost of funding earning assets | 1.6967% | 471 |
| Net interest margin | 3.8594% | 3,492 |
| Noninterest income to average assets | 0.3572% | 5,031 |
| Noninterest expense to average assets | 2.2870% | 6,165 |
| Loan and lease loss provision to assets | 0.2195% | 3,725 |
| Net operating income to assets | 1.5620% | 787 |
| Return on assets (ROA) | 1.5620% | 840 |
| Pretax return on assets | 1.5620% | 1,353 |
| Return on Equity (ROE) | 16.8936% | 564 |
| Retained earnings to average equity (ytd only) | 2.3409% | 4,795 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2128% | 6,400 |
| Assets per employee ($millions) | 4.4596% | 2,911 |
| Cash dividends to net income (ytd only)* | 86.1434% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 5,916 |
| Loan loss allowance to noncurrent loans | 71.0714% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 4,071 |
| Noncurrent loans to loans | 1.5618% | 4,069 |
| Net loans and leases to total assets | 79.5110% | 585 |
| Net loans and leases to deposits | 94.6844% | 822 |
| Net loans and leases to core deposits | 106.9277% | 871 |
| Total domestic deposits to total assets | 83.9748% | 4,363 |
| Equity capital to assets | 9.1525% | 5,356 |
| Core capital (leverage) ratio | 9.1525% | 4,486 |
| Tier 1 risk-based capital ratio | 15.6522% | 3,155 |
| Total risk-based capital ratio | 16.9061% | 3,121 |
| Memoranda: | ||
| Average total assets | $132,140,670 | 4,178 |
| Average earning assets | $127,068,000 | 4,043 |
| Average equity | $12,217,670 | 4,502 |
| Average total loans | $109,355,000 | 3,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 931 |
| Cost of funding earning assets | 1.7438% | 462 |
| Net interest margin | 3.9300% | 2,998 |
| Noninterest income to average assets | 0.2802% | 5,667 |
| Noninterest expense to average assets | 2.3912% | 5,907 |
| Loan and lease loss provision to assets | 0.2589% | 3,069 |
| Net operating income to assets | 1.3921% | 1,075 |
| Return on assets (ROA) | 1.3921% | 1,119 |
| Pretax return on assets | 1.3921% | 1,746 |
| Return on Equity (ROE) | 14.9787% | 823 |
| Retained earnings to average equity (ytd only) | 6.6536% | 2,302 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1560% | 6,109 |
| Assets per employee ($millions) | 4.4928% | 2,904 |
| Cash dividends to net income (ytd only)* | 55.5799% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,267 |
| Loan loss allowance to noncurrent loans | 83.9378% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 4,522 |
| Noncurrent loans to loans | 1.2333% | 4,626 |
| Net loans and leases to total assets | 83.2067% | 262 |
| Net loans and leases to deposits | 99.8122% | 477 |
| Net loans and leases to core deposits | 112.0633% | 657 |
| Total domestic deposits to total assets | 83.3633% | 4,766 |
| Equity capital to assets | 9.4443% | 4,511 |
| Core capital (leverage) ratio | 9.4443% | 3,895 |
| Tier 1 risk-based capital ratio | 15.6869% | 3,062 |
| Total risk-based capital ratio | 16.9388% | 3,021 |
| Memoranda: | ||
| Average total assets | $131,316,500 | 4,227 |
| Average earning assets | $125,700,500 | 4,111 |
| Average equity | $12,204,000 | 4,504 |
| Average total loans | $110,247,000 | 3,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6652% | 1,697 |
| Cost of funding earning assets | 1.9811% | 648 |
| Net interest margin | 3.6840% | 4,425 |
| Noninterest income to average assets | 0.3472% | 5,319 |
| Noninterest expense to average assets | 2.1791% | 6,670 |
| Loan and lease loss provision to assets | 0.0232% | 6,891 |
| Net operating income to assets | 1.6537% | 566 |
| Return on assets (ROA) | 1.6537% | 610 |
| Pretax return on assets | 1.6537% | 1,030 |
| Return on Equity (ROE) | 18.5908% | 335 |
| Retained earnings to average equity (ytd only) | 10.2798% | 469 |
| Net charge-offs to loans | 0.0325% | 6,479 |
| Credit loss provision to net charge-offs | 88.2353% | 5,199 |
| Earnings coverage of net charge-offs (x) | 63.6471% | 376 |
| Efficiency ratio | 56.5113% | 6,527 |
| Assets per employee ($millions) | 4.5636% | 2,770 |
| Cash dividends to net income (ytd only)* | 44.7048% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,599 |
| Loan loss allowance to noncurrent loans | 76.3504% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0621% | 3,271 |
| Noncurrent loans to loans | 1.2348% | 4,659 |
| Net loans and leases to total assets | 83.0448% | 380 |
| Net loans and leases to deposits | 99.0760% | 636 |
| Net loans and leases to core deposits | 112.1939% | 803 |
| Total domestic deposits to total assets | 83.8193% | 4,440 |
| Equity capital to assets | 9.1452% | 4,926 |
| Core capital (leverage) ratio | 9.1452% | 4,272 |
| Tier 1 risk-based capital ratio | 15.0258% | 3,235 |
| Total risk-based capital ratio | 16.2760% | 3,191 |
| Memoranda: | ||
| Average total assets | $129,043,000 | 4,292 |
| Average earning assets | $122,908,800 | 4,166 |
| Average equity | $11,478,800 | 4,738 |
| Average total loans | $104,762,800 | 3,660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7394% | 1,579 |
| Cost of funding earning assets | 1.9972% | 757 |
| Net interest margin | 3.7423% | 4,221 |
| Noninterest income to average assets | 0.3400% | 5,444 |
| Noninterest expense to average assets | 2.1640% | 6,702 |
| Loan and lease loss provision to assets | 0.0312% | 6,760 |
| Net operating income to assets | 1.7106% | 611 |
| Return on assets (ROA) | 1.7106% | 664 |
| Pretax return on assets | 1.7106% | 1,095 |
| Return on Equity (ROE) | 19.3706% | 352 |
| Retained earnings to average equity (ytd only) | 8.1368% | 1,376 |
| Net charge-offs to loans | 0.0439% | 6,098 |
| Credit loss provision to net charge-offs | 88.2353% | 4,840 |
| Earnings coverage of net charge-offs (x) | 49.2672% | 569 |
| Efficiency ratio | 55.4047% | 6,634 |
| Assets per employee ($millions) | 4.6745% | 2,639 |
| Cash dividends to net income (ytd only)* | 57.9940% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,300 |
| Loan loss allowance to noncurrent loans | 131.5723% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,357 |
| Noncurrent loans to loans | 0.7756% | 5,661 |
| Net loans and leases to total assets | 74.8429% | 1,609 |
| Net loans and leases to deposits | 90.2691% | 1,690 |
| Net loans and leases to core deposits | 102.3991% | 1,617 |
| Total domestic deposits to total assets | 82.9109% | 4,628 |
| Equity capital to assets | 8.5667% | 6,197 |
| Core capital (leverage) ratio | 8.5667% | 5,392 |
| Tier 1 risk-based capital ratio | 14.8561% | 3,324 |
| Total risk-based capital ratio | 16.1072% | 3,300 |
| Memoranda: | ||
| Average total assets | $128,218,000 | 4,367 |
| Average earning assets | $122,169,250 | 4,239 |
| Average equity | $11,322,750 | 4,853 |
| Average total loans | $103,216,000 | 3,756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 1,079 |
| Cost of funding earning assets | 2.0248% | 841 |
| Net interest margin | 3.9158% | 3,372 |
| Noninterest income to average assets | 0.3642% | 5,222 |
| Noninterest expense to average assets | 2.1849% | 6,683 |
| Loan and lease loss provision to assets | 0.0477% | 6,489 |
| Net operating income to assets | 1.8558% | 441 |
| Return on assets (ROA) | 1.8558% | 482 |
| Pretax return on assets | 1.8558% | 807 |
| Return on Equity (ROE) | 20.7910% | 268 |
| Retained earnings to average equity (ytd only) | 7.1976% | 1,755 |
| Net charge-offs to loans | 0.0657% | 5,485 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | 35.2059% | 808 |
| Efficiency ratio | 53.4422% | 6,938 |
| Assets per employee ($millions) | 4.4354% | 2,993 |
| Cash dividends to net income (ytd only)* | 65.3813% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,360 |
| Loan loss allowance to noncurrent loans | 138.7268% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5214% | 4,176 |
| Noncurrent loans to loans | 0.7276% | 5,802 |
| Net loans and leases to total assets | 79.7501% | 838 |
| Net loans and leases to deposits | 100.9079% | 654 |
| Net loans and leases to core deposits | 100.9079% | 1,928 |
| Total domestic deposits to total assets | 79.0326% | 6,031 |
| Equity capital to assets | 8.8052% | 5,746 |
| Core capital (leverage) ratio | 8.8052% | 4,905 |
| Tier 1 risk-based capital ratio | 14.4728% | 3,460 |
| Total risk-based capital ratio | 15.7238% | 3,424 |
| Memoranda: | ||
| Average total assets | $125,770,670 | 4,454 |
| Average earning assets | $119,617,330 | 4,321 |
| Average equity | $11,226,000 | 4,876 |
| Average total loans | $103,453,670 | 3,789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 704 |
| Cost of funding earning assets | 2.0502% | 941 |
| Net interest margin | 4.1037% | 2,419 |
| Noninterest income to average assets | 0.3699% | 5,184 |
| Noninterest expense to average assets | 2.1875% | 6,718 |
| Loan and lease loss provision to assets | 0.0483% | 6,180 |
| Net operating income to assets | 2.0428% | 327 |
| Return on assets (ROA) | 2.0428% | 356 |
| Pretax return on assets | 2.0428% | 565 |
| Return on Equity (ROE) | 22.7273% | 241 |
| Retained earnings to average equity (ytd only) | 18.1818% | 237 |
| Net charge-offs to loans | 0.1316% | 4,169 |
| Credit loss provision to net charge-offs | 44.1176% | 4,570 |
| Earnings coverage of net charge-offs (x) | 19.1176% | 1,212 |
| Efficiency ratio | 51.1278% | 7,228 |
| Assets per employee ($millions) | 4.2766% | 3,330 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,450 |
| Loan loss allowance to noncurrent loans | 127.2840% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 3,923 |
| Noncurrent loans to loans | 0.7879% | 5,745 |
| Net loans and leases to total assets | 82.0651% | 590 |
| Net loans and leases to deposits | 107.8500% | 348 |
| Net loans and leases to core deposits | 107.8500% | 1,428 |
| Total domestic deposits to total assets | 76.0920% | 6,743 |
| Equity capital to assets | 9.2162% | 4,971 |
| Core capital (leverage) ratio | 9.2162% | 4,195 |
| Tier 1 risk-based capital ratio | 14.8716% | 3,167 |
| Total risk-based capital ratio | 16.1232% | 3,131 |
| Memoranda: | ||
| Average total assets | $124,342,000 | 4,535 |
| Average earning assets | $118,430,000 | 4,414 |
| Average equity | $11,176,000 | 4,929 |
| Average total loans | $103,367,000 | 3,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1759% | 1,303 |
| Cost of funding earning assets | 2.3129% | 1,603 |
| Net interest margin | 3.8630% | 3,422 |
| Noninterest income to average assets | 0.3157% | 5,823 |
| Noninterest expense to average assets | 2.3257% | 6,671 |
| Loan and lease loss provision to assets | 0.2344% | 5,494 |
| Net operating income to assets | 1.4549% | 746 |
| Return on assets (ROA) | 1.4549% | 810 |
| Pretax return on assets | 1.4549% | 1,302 |
| Return on Equity (ROE) | 16.4027% | 516 |
| Retained earnings to average equity (ytd only) | 7.9198% | 721 |
| Net charge-offs to loans | -0.0040% | 7,712 |
| Credit loss provision to net charge-offs | -6,925.0000% | 7,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9258% | 6,774 |
| Assets per employee ($millions) | 4.1554% | 3,511 |
| Cash dividends to net income (ytd only)* | 51.7161% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,319 |
| Loan loss allowance to noncurrent loans | 261.4428% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 4,622 |
| Noncurrent loans to loans | 0.3868% | 6,504 |
| Net loans and leases to total assets | 82.5217% | 606 |
| Net loans and leases to deposits | 111.1887% | 342 |
| Net loans and leases to core deposits | 179.8559% | 167 |
| Total domestic deposits to total assets | 74.2177% | 6,989 |
| Equity capital to assets | 8.7612% | 5,499 |
| Core capital (leverage) ratio | 8.7612% | 4,817 |
| Tier 1 risk-based capital ratio | 14.0359% | 3,479 |
| Total risk-based capital ratio | 15.2618% | 3,446 |
| Memoranda: | ||
| Average total assets | $118,155,600 | 4,626 |
| Average earning assets | $113,150,400 | 4,470 |
| Average equity | $10,480,000 | 5,171 |
| Average total loans | $99,867,400 | 3,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2196% | 1,321 |
| Cost of funding earning assets | 2.3798% | 1,701 |
| Net interest margin | 3.8398% | 3,483 |
| Noninterest income to average assets | 0.3112% | 5,995 |
| Noninterest expense to average assets | 2.2529% | 6,828 |
| Loan and lease loss provision to assets | 0.2883% | 4,671 |
| Net operating income to assets | 1.4531% | 910 |
| Return on assets (ROA) | 1.4531% | 970 |
| Pretax return on assets | 1.4531% | 1,548 |
| Return on Equity (ROE) | 16.3295% | 618 |
| Retained earnings to average equity (ytd only) | 6.5318% | 1,697 |
| Net charge-offs to loans | 0.0013% | 6,979 |
| Credit loss provision to net charge-offs | 25,200.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,525.7744% | 9 |
| Efficiency ratio | 56.4022% | 6,946 |
| Assets per employee ($millions) | 4.1496% | 3,459 |
| Cash dividends to net income (ytd only)* | 59.9998% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,332 |
| Loan loss allowance to noncurrent loans | 241.0377% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,604 |
| Noncurrent loans to loans | 0.4126% | 6,513 |
| Net loans and leases to total assets | 84.5478% | 478 |
| Net loans and leases to deposits | 111.5223% | 413 |
| Net loans and leases to core deposits | 179.0732% | 191 |
| Total domestic deposits to total assets | 75.8125% | 6,616 |
| Equity capital to assets | 8.8084% | 5,778 |
| Core capital (leverage) ratio | 8.8084% | 4,959 |
| Tier 1 risk-based capital ratio | 14.0535% | 3,517 |
| Total risk-based capital ratio | 15.3051% | 3,465 |
| Memoranda: | ||
| Average total assets | $116,528,750 | 4,685 |
| Average earning assets | $111,773,000 | 4,543 |
| Average equity | $10,369,500 | 5,235 |
| Average total loans | $98,853,000 | 4,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4315% | 938 |
| Cost of funding earning assets | 2.4575% | 1,756 |
| Net interest margin | 3.9740% | 2,816 |
| Noninterest income to average assets | 0.2950% | 6,146 |
| Noninterest expense to average assets | 2.3044% | 6,748 |
| Loan and lease loss provision to assets | 0.3818% | 3,632 |
| Net operating income to assets | 1.4194% | 979 |
| Return on assets (ROA) | 1.4194% | 1,053 |
| Pretax return on assets | 1.4194% | 1,670 |
| Return on Equity (ROE) | 15.8948% | 712 |
| Retained earnings to average equity (ytd only) | 3.5559% | 3,320 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1285% | 7,106 |
| Assets per employee ($millions) | 3.9790% | 3,720 |
| Cash dividends to net income (ytd only)* | 77.6284% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,173 |
| Loan loss allowance to noncurrent loans | 215.9041% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 6,469 |
| Noncurrent loans to loans | 0.4672% | 6,358 |
| Net loans and leases to total assets | 84.2761% | 593 |
| Net loans and leases to deposits | 109.7398% | 560 |
| Net loans and leases to core deposits | 173.3242% | 283 |
| Total domestic deposits to total assets | 76.7963% | 6,377 |
| Equity capital to assets | 8.9045% | 5,447 |
| Core capital (leverage) ratio | 8.9045% | 4,776 |
| Tier 1 risk-based capital ratio | 13.9950% | 3,520 |
| Total risk-based capital ratio | 15.2467% | 3,458 |
| Memoranda: | ||
| Average total assets | $115,258,670 | 4,743 |
| Average earning assets | $110,519,000 | 4,612 |
| Average equity | $10,292,670 | 5,281 |
| Average total loans | $97,548,670 | 4,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4136% | 1,040 |
| Cost of funding earning assets | 2.5611% | 1,697 |
| Net interest margin | 3.8525% | 3,237 |
| Noninterest income to average assets | 0.2570% | 6,394 |
| Noninterest expense to average assets | 2.0522% | 7,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8925% | 441 |
| Return on assets (ROA) | 1.8925% | 489 |
| Pretax return on assets | 1.8925% | 810 |
| Return on Equity (ROE) | 21.1620% | 352 |
| Retained earnings to average equity (ytd only) | 16.2695% | 320 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0246% | 7,417 |
| Assets per employee ($millions) | 3.9578% | 3,757 |
| Cash dividends to net income (ytd only)* | 23.1193% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 7,190 |
| Loan loss allowance to noncurrent loans | 185.7831% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 6,421 |
| Noncurrent loans to loans | 0.4258% | 6,357 |
| Net loans and leases to total assets | 84.2493% | 654 |
| Net loans and leases to deposits | 110.2637% | 598 |
| Net loans and leases to core deposits | 169.7558% | 351 |
| Total domestic deposits to total assets | 76.4071% | 6,429 |
| Equity capital to assets | 9.1578% | 5,140 |
| Core capital (leverage) ratio | 9.1578% | 4,469 |
| Tier 1 risk-based capital ratio | 14.3044% | 3,429 |
| Total risk-based capital ratio | 15.3536% | 3,456 |
| Memoranda: | ||
| Average total assets | $115,192,500 | 4,768 |
| Average earning assets | $110,266,500 | 4,630 |
| Average equity | $10,301,500 | 5,299 |
| Average total loans | $97,204,000 | 4,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6302% | 2,340 |
| Cost of funding earning assets | 2.9861% | 1,919 |
| Net interest margin | 3.6441% | 4,705 |
| Noninterest income to average assets | 0.3484% | 5,951 |
| Noninterest expense to average assets | 2.2392% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5946% | 844 |
| Return on assets (ROA) | 1.5946% | 806 |
| Pretax return on assets | 1.5946% | 1,395 |
| Return on Equity (ROE) | 18.6979% | 476 |
| Retained earnings to average equity (ytd only) | 12.0020% | 226 |
| Net charge-offs to loans | 0.0181% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 104.4706% | 413 |
| Efficiency ratio | 58.4075% | 6,621 |
| Assets per employee ($millions) | 3.9865% | 3,554 |
| Cash dividends to net income (ytd only)* | 35.8108% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 7,124 |
| Loan loss allowance to noncurrent loans | 135.7394% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 5,732 |
| Noncurrent loans to loans | 0.5859% | 5,618 |
| Net loans and leases to total assets | 83.1838% | 1,016 |
| Net loans and leases to deposits | 113.1415% | 659 |
| Net loans and leases to core deposits | 173.0699% | 359 |
| Total domestic deposits to total assets | 73.5220% | 6,736 |
| Equity capital to assets | 8.7294% | 5,762 |
| Core capital (leverage) ratio | 8.7294% | 5,151 |
| Tier 1 risk-based capital ratio | 13.6565% | 3,718 |
| Total risk-based capital ratio | 14.6998% | 3,753 |
| Memoranda: | ||
| Average total assets | $111,378,400 | 4,738 |
| Average earning assets | $106,527,800 | 4,605 |
| Average equity | $9,498,400 | 5,573 |
| Average total loans | $93,746,200 | 4,113 |