Home > Grandview Bank > Performance and Condition Ratios
Grandview Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4133% | 705 |
| Cost of funding earning assets | 1.7675% | 2,544 |
| Net interest margin | 4.6457% | 504 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.9772% | 3,596 |
| Loan and lease loss provision to assets | 0.2400% | 469 |
| Net operating income to assets | 1.9527% | 491 |
| Return on assets (ROA) | 1.9527% | 493 |
| Pretax return on assets | 2.4545% | 334 |
| Return on Equity (ROE) | 20.8900% | 374 |
| Retained earnings to average equity (ytd only) | 20.8940% | 134 |
| Net charge-offs to loans | 0.0463% | 1,198 |
| Credit loss provision to net charge-offs | 727.2727% | 420 |
| Earnings coverage of net charge-offs (x) | 81.8909% | 795 |
| Efficiency ratio | 42.3303% | 4,224 |
| Assets per employee ($millions) | 10.1438% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 1,984 |
| Loan loss allowance to noncurrent loans | 2,740.6250% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,470 |
| Noncurrent loans to loans | 0.0452% | 3,451 |
| Net loans and leases to total assets | 72.0200% | 1,602 |
| Net loans and leases to deposits | 81.2060% | 1,951 |
| Net loans and leases to core deposits | 83.9388% | 2,467 |
| Total domestic deposits to total assets | 88.6900% | 1,303 |
| Equity capital to assets | 9.5004% | 2,572 |
| Core capital (leverage) ratio | 10.1432% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5135% | 822 |
| Memoranda: | ||
| Average total assets | $668,812,500 | 1,412 |
| Average earning assets | $638,175,000 | 1,371 |
| Average equity | $62,506,000 | 1,495 |
| Average total loans | $474,836,000 | 1,361 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5807% | 636 |
| Cost of funding earning assets | 1.9124% | 2,430 |
| Net interest margin | 4.6683% | 514 |
| Noninterest income to average assets | 1.0100% | 603 |
| Noninterest expense to average assets | 1.9203% | 3,750 |
| Loan and lease loss provision to assets | 0.2000% | 679 |
| Net operating income to assets | 2.6567% | 190 |
| Return on assets (ROA) | 2.6567% | 193 |
| Pretax return on assets | 3.3447% | 146 |
| Return on Equity (ROE) | 32.1200% | 85 |
| Retained earnings to average equity (ytd only) | 32.1236% | 16 |
| Net charge-offs to loans | 0.0192% | 2,232 |
| Credit loss provision to net charge-offs | 1,358.0247% | 322 |
| Earnings coverage of net charge-offs (x) | 277.6790% | 397 |
| Efficiency ratio | 35.1591% | 4,380 |
| Assets per employee ($millions) | 9.9696% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 1,787 |
| Loan loss allowance to noncurrent loans | 7,829.7297% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,670 |
| Noncurrent loans to loans | 0.0163% | 3,641 |
| Net loans and leases to total assets | 68.1200% | 2,126 |
| Net loans and leases to deposits | 76.4108% | 2,414 |
| Net loans and leases to core deposits | 78.8066% | 2,851 |
| Total domestic deposits to total assets | 89.1500% | 1,102 |
| Equity capital to assets | 9.1861% | 2,680 |
| Core capital (leverage) ratio | 9.8123% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3124% | 999 |
| Memoranda: | ||
| Average total assets | $635,103,000 | 1,465 |
| Average earning assets | $605,633,200 | 1,422 |
| Average equity | $52,525,200 | 1,671 |
| Average total loans | $421,049,800 | 1,475 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5692% | 632 |
| Cost of funding earning assets | 1.9057% | 2,449 |
| Net interest margin | 4.6635% | 511 |
| Noninterest income to average assets | 1.2700% | 415 |
| Noninterest expense to average assets | 1.9100% | 3,736 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 2.8798% | 155 |
| Return on assets (ROA) | 2.8798% | 156 |
| Pretax return on assets | 3.6287% | 127 |
| Return on Equity (ROE) | 35.8600% | 64 |
| Retained earnings to average equity (ytd only) | 35.8585% | 18 |
| Net charge-offs to loans | 0.0165% | 2,064 |
| Credit loss provision to net charge-offs | 1,568.6275% | 299 |
| Earnings coverage of net charge-offs (x) | 352.5294% | 336 |
| Efficiency ratio | 33.3988% | 4,422 |
| Assets per employee ($millions) | 10.0610% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 1,816 |
| Loan loss allowance to noncurrent loans | 7,174.0260% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,701 |
| Noncurrent loans to loans | 0.0178% | 3,677 |
| Net loans and leases to total assets | 65.2700% | 2,392 |
| Net loans and leases to deposits | 73.0294% | 2,748 |
| Net loans and leases to core deposits | 74.7883% | 3,136 |
| Total domestic deposits to total assets | 89.3800% | 781 |
| Equity capital to assets | 8.9918% | 3,050 |
| Core capital (leverage) ratio | 9.4081% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2422% | 1,050 |
| Memoranda: | ||
| Average total assets | $629,380,500 | 1,463 |
| Average earning assets | $600,282,750 | 1,422 |
| Average equity | $50,545,500 | 1,697 |
| Average total loans | $412,801,000 | 1,487 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5206% | 617 |
| Cost of funding earning assets | 1.8107% | 2,590 |
| Net interest margin | 4.7099% | 482 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 1.9009% | 3,761 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 2.4675% | 238 |
| Return on assets (ROA) | 2.4675% | 237 |
| Pretax return on assets | 3.1092% | 192 |
| Return on Equity (ROE) | 32.0700% | 113 |
| Retained earnings to average equity (ytd only) | 32.0716% | 31 |
| Net charge-offs to loans | 0.0005% | 2,604 |
| Credit loss provision to net charge-offs | 50,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 10,157.0000% | 5 |
| Efficiency ratio | 36.7599% | 4,410 |
| Assets per employee ($millions) | 9.8721% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 1,994 |
| Loan loss allowance to noncurrent loans | 6,354.2169% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,675 |
| Noncurrent loans to loans | 0.0197% | 3,639 |
| Net loans and leases to total assets | 64.9700% | 2,452 |
| Net loans and leases to deposits | 71.9075% | 2,842 |
| Net loans and leases to core deposits | 73.5230% | 3,188 |
| Total domestic deposits to total assets | 90.3500% | 615 |
| Equity capital to assets | 8.0187% | 3,414 |
| Core capital (leverage) ratio | 8.8540% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4619% | 1,005 |
| Memoranda: | ||
| Average total assets | $621,186,000 | 1,473 |
| Average earning assets | $592,368,667 | 1,436 |
| Average equity | $47,793,000 | 1,737 |
| Average total loans | $406,270,333 | 1,507 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6349% | 496 |
| Cost of funding earning assets | 1.7284% | 2,697 |
| Net interest margin | 4.9064% | 372 |
| Noninterest income to average assets | 1.1200% | 475 |
| Noninterest expense to average assets | 1.8836% | 3,809 |
| Loan and lease loss provision to assets | 0.2000% | 510 |
| Net operating income to assets | 2.9272% | 172 |
| Return on assets (ROA) | 2.9272% | 172 |
| Pretax return on assets | 3.7167% | 128 |
| Return on Equity (ROE) | 38.9100% | 72 |
| Retained earnings to average equity (ytd only) | 38.9104% | 36 |
| Net charge-offs to loans | 0.0110% | 1,682 |
| Credit loss provision to net charge-offs | 2,727.2727% | 157 |
| Earnings coverage of net charge-offs (x) | 543.3636% | 184 |
| Efficiency ratio | 32.4938% | 4,448 |
| Assets per employee ($millions) | 9.5066% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,067 |
| Loan loss allowance to noncurrent loans | 5,820.6897% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,690 |
| Noncurrent loans to loans | 0.0213% | 3,637 |
| Net loans and leases to total assets | 66.2700% | 2,212 |
| Net loans and leases to deposits | 73.4741% | 2,639 |
| Net loans and leases to core deposits | 74.9435% | 3,052 |
| Total domestic deposits to total assets | 90.2000% | 733 |
| Equity capital to assets | 7.8994% | 3,436 |
| Core capital (leverage) ratio | 8.4076% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9831% | 1,090 |
| Memoranda: | ||
| Average total assets | $610,965,000 | 1,500 |
| Average earning assets | $582,257,000 | 1,466 |
| Average equity | $45,962,000 | 1,778 |
| Average total loans | $398,323,500 | 1,521 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 949 |
| Cost of funding earning assets | 1.4496% | 2,077 |
| Net interest margin | 4.2342% | 890 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.1038% | 3,394 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.6235% | 834 |
| Return on assets (ROA) | 1.6186% | 808 |
| Pretax return on assets | 2.0281% | 642 |
| Return on Equity (ROE) | 21.7600% | 475 |
| Retained earnings to average equity (ytd only) | 21.7556% | 108 |
| Net charge-offs to loans | 0.0598% | 1,260 |
| Credit loss provision to net charge-offs | 513.6364% | 654 |
| Earnings coverage of net charge-offs (x) | 59.6970% | 1,192 |
| Efficiency ratio | 48.1055% | 4,085 |
| Assets per employee ($millions) | 9.4386% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,119 |
| Loan loss allowance to noncurrent loans | 682.9757% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 2,774 |
| Noncurrent loans to loans | 0.1800% | 2,614 |
| Net loans and leases to total assets | 62.5200% | 2,625 |
| Net loans and leases to deposits | 68.5638% | 2,984 |
| Net loans and leases to core deposits | 69.7073% | 3,323 |
| Total domestic deposits to total assets | 91.1900% | 455 |
| Equity capital to assets | 7.1494% | 3,876 |
| Core capital (leverage) ratio | 7.8957% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6121% | 1,156 |
| Memoranda: | ||
| Average total assets | $520,828,400 | 1,686 |
| Average earning assets | $494,000,600 | 1,655 |
| Average equity | $38,748,600 | 1,924 |
| Average total loans | $331,346,400 | 1,680 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5182% | 991 |
| Cost of funding earning assets | 1.3476% | 2,011 |
| Net interest margin | 4.1707% | 961 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1704% | 3,154 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.5375% | 1,047 |
| Return on assets (ROA) | 1.5306% | 1,046 |
| Pretax return on assets | 1.9134% | 846 |
| Return on Equity (ROE) | 20.3300% | 692 |
| Retained earnings to average equity (ytd only) | 20.3285% | 246 |
| Net charge-offs to loans | 0.0622% | 1,038 |
| Credit loss provision to net charge-offs | 506.7568% | 623 |
| Earnings coverage of net charge-offs (x) | 54.5541% | 1,261 |
| Efficiency ratio | 50.0835% | 3,907 |
| Assets per employee ($millions) | 8.8257% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,426 |
| Loan loss allowance to noncurrent loans | 533.0994% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,503 |
| Noncurrent loans to loans | 0.2635% | 2,294 |
| Net loans and leases to total assets | 60.4100% | 2,798 |
| Net loans and leases to deposits | 66.5899% | 3,083 |
| Net loans and leases to core deposits | 67.4974% | 3,350 |
| Total domestic deposits to total assets | 90.7200% | 738 |
| Equity capital to assets | 7.4002% | 3,414 |
| Core capital (leverage) ratio | 8.7580% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3744% | 1,227 |
| Memoranda: | ||
| Average total assets | $497,658,750 | 1,734 |
| Average earning assets | $470,766,250 | 1,706 |
| Average equity | $37,470,250 | 1,948 |
| Average total loans | $317,093,750 | 1,730 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 910 |
| Cost of funding earning assets | 1.1969% | 2,005 |
| Net interest margin | 4.2465% | 865 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.1432% | 3,235 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.6564% | 859 |
| Return on assets (ROA) | 1.6459% | 883 |
| Pretax return on assets | 2.0524% | 688 |
| Return on Equity (ROE) | 21.7200% | 562 |
| Retained earnings to average equity (ytd only) | 21.7248% | 196 |
| Net charge-offs to loans | 0.0210% | 1,471 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 170.6061% | 688 |
| Efficiency ratio | 48.1058% | 4,062 |
| Assets per employee ($millions) | 8.3015% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 1,630 |
| Loan loss allowance to noncurrent loans | 571.9949% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,451 |
| Noncurrent loans to loans | 0.2401% | 2,304 |
| Net loans and leases to total assets | 64.4900% | 2,337 |
| Net loans and leases to deposits | 71.4097% | 2,686 |
| Net loans and leases to core deposits | 72.5813% | 2,984 |
| Total domestic deposits to total assets | 90.3000% | 841 |
| Equity capital to assets | 7.7338% | 3,381 |
| Core capital (leverage) ratio | 8.9196% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4265% | 1,233 |
| Memoranda: | ||
| Average total assets | $487,031,000 | 1,755 |
| Average earning assets | $460,706,333 | 1,733 |
| Average equity | $36,898,000 | 1,985 |
| Average total loans | $314,641,333 | 1,726 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 910 |
| Cost of funding earning assets | 1.0221% | 1,972 |
| Net interest margin | 4.2138% | 928 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.1624% | 3,221 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.7027% | 815 |
| Return on assets (ROA) | 1.6814% | 851 |
| Pretax return on assets | 2.1026% | 653 |
| Return on Equity (ROE) | 22.4300% | 552 |
| Retained earnings to average equity (ytd only) | 22.4350% | 272 |
| Net charge-offs to loans | 0.0233% | 1,216 |
| Credit loss provision to net charge-offs | 1,388.8889% | 291 |
| Earnings coverage of net charge-offs (x) | 159.0556% | 593 |
| Efficiency ratio | 47.6217% | 4,110 |
| Assets per employee ($millions) | 8.2965% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,887 |
| Loan loss allowance to noncurrent loans | 463.2743% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,226 |
| Noncurrent loans to loans | 0.2876% | 2,118 |
| Net loans and leases to total assets | 63.3500% | 2,312 |
| Net loans and leases to deposits | 70.1869% | 2,593 |
| Net loans and leases to core deposits | 71.4145% | 2,858 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 7.6532% | 3,475 |
| Core capital (leverage) ratio | 8.5144% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3837% | 1,291 |
| Memoranda: | ||
| Average total assets | $481,502,500 | 1,789 |
| Average earning assets | $455,552,500 | 1,760 |
| Average equity | $36,086,500 | 2,037 |
| Average total loans | $309,127,500 | 1,759 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 541 |
| Cost of funding earning assets | 0.3905% | 2,174 |
| Net interest margin | 4.2793% | 447 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.2069% | 3,008 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.4121% | 1,100 |
| Return on assets (ROA) | 1.4117% | 1,065 |
| Pretax return on assets | 1.7620% | 797 |
| Return on Equity (ROE) | 18.9300% | 580 |
| Retained earnings to average equity (ytd only) | 18.9296% | 113 |
| Net charge-offs to loans | 0.0482% | 1,199 |
| Credit loss provision to net charge-offs | 781.2500% | 499 |
| Earnings coverage of net charge-offs (x) | 68.8984% | 1,168 |
| Efficiency ratio | 52.6115% | 3,926 |
| Assets per employee ($millions) | 8.4556% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,886 |
| Loan loss allowance to noncurrent loans | 447.3982% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,251 |
| Noncurrent loans to loans | 0.2908% | 2,102 |
| Net loans and leases to total assets | 63.3600% | 2,298 |
| Net loans and leases to deposits | 69.8786% | 2,591 |
| Net loans and leases to core deposits | 72.3819% | 2,695 |
| Total domestic deposits to total assets | 90.6700% | 1,073 |
| Equity capital to assets | 7.3305% | 3,470 |
| Core capital (leverage) ratio | 8.1786% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1675% | 1,324 |
| Memoranda: | ||
| Average total assets | $443,647,200 | 1,873 |
| Average earning assets | $403,335,200 | 1,905 |
| Average equity | $33,085,800 | 2,194 |
| Average total loans | $265,695,200 | 1,869 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 539 |
| Cost of funding earning assets | 0.2662% | 2,528 |
| Net interest margin | 4.1763% | 443 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.0804% | 3,266 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.3876% | 1,123 |
| Return on assets (ROA) | 1.3872% | 1,095 |
| Pretax return on assets | 1.7304% | 847 |
| Return on Equity (ROE) | 18.5100% | 575 |
| Retained earnings to average equity (ytd only) | 18.5147% | 144 |
| Net charge-offs to loans | 0.0328% | 1,194 |
| Credit loss provision to net charge-offs | 1,269.8413% | 343 |
| Earnings coverage of net charge-offs (x) | 102.5873% | 937 |
| Efficiency ratio | 51.2925% | 4,061 |
| Assets per employee ($millions) | 8.4602% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,871 |
| Loan loss allowance to noncurrent loans | 329.0267% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 1,996 |
| Noncurrent loans to loans | 0.4054% | 1,805 |
| Net loans and leases to total assets | 59.6400% | 2,544 |
| Net loans and leases to deposits | 65.4491% | 2,759 |
| Net loans and leases to core deposits | 68.9973% | 2,723 |
| Total domestic deposits to total assets | 91.1300% | 1,185 |
| Equity capital to assets | 6.9108% | 3,562 |
| Core capital (leverage) ratio | 8.1448% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9219% | 1,450 |
| Memoranda: | ||
| Average total assets | $436,181,000 | 1,911 |
| Average earning assets | $392,173,250 | 1,954 |
| Average equity | $32,679,500 | 2,243 |
| Average total loans | $256,131,250 | 1,914 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 599 |
| Cost of funding earning assets | 0.2035% | 2,868 |
| Net interest margin | 4.0217% | 473 |
| Noninterest income to average assets | 0.3154% | 3,277 |
| Noninterest expense to average assets | 2.0550% | 3,281 |
| Loan and lease loss provision to assets | 0.2360% | 319 |
| Net operating income to assets | 1.2654% | 1,238 |
| Return on assets (ROA) | 1.2642% | 1,225 |
| Pretax return on assets | 1.5683% | 1,009 |
| Return on Equity (ROE) | 16.3998% | 648 |
| Retained earnings to average equity (ytd only) | 16.3998% | 173 |
| Net charge-offs to loans | 0.0463% | 931 |
| Credit loss provision to net charge-offs | 877.1930% | 445 |
| Earnings coverage of net charge-offs (x) | 67.1053% | 1,025 |
| Efficiency ratio | 53.2282% | 4,031 |
| Assets per employee ($millions) | 8.0444% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,264 |
| Loan loss allowance to noncurrent loans | 184.6597% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 1,342 |
| Noncurrent loans to loans | 0.6950% | 1,244 |
| Net loans and leases to total assets | 60.2206% | 2,299 |
| Net loans and leases to deposits | 66.2234% | 2,529 |
| Net loans and leases to core deposits | 69.2191% | 2,548 |
| Total domestic deposits to total assets | 90.9355% | 1,265 |
| Equity capital to assets | 7.0398% | 3,746 |
| Core capital (leverage) ratio | 8.1573% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9805% | 1,435 |
| Memoranda: | ||
| Average total assets | $423,651,667 | 1,967 |
| Average earning assets | $373,476,667 | 2,053 |
| Average equity | $32,659,000 | 2,289 |
| Average total loans | $246,047,667 | 1,959 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 466 |
| Cost of funding earning assets | 0.2095% | 2,675 |
| Net interest margin | 4.0620% | 364 |
| Noninterest income to average assets | 0.3218% | 3,179 |
| Noninterest expense to average assets | 2.0476% | 3,305 |
| Loan and lease loss provision to assets | 0.1950% | 374 |
| Net operating income to assets | 1.2081% | 1,229 |
| Return on assets (ROA) | 1.2081% | 1,216 |
| Pretax return on assets | 1.5016% | 1,015 |
| Return on Equity (ROE) | 14.9583% | 659 |
| Retained earnings to average equity (ytd only) | 14.9583% | 290 |
| Net charge-offs to loans | -0.0035% | 3,234 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6875% | 4,008 |
| Assets per employee ($millions) | 8.0053% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,012 |
| Loan loss allowance to noncurrent loans | 180.8476% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 1,420 |
| Noncurrent loans to loans | 0.7595% | 1,254 |
| Net loans and leases to total assets | 55.6126% | 2,563 |
| Net loans and leases to deposits | 61.6988% | 2,739 |
| Net loans and leases to core deposits | 64.6954% | 2,743 |
| Total domestic deposits to total assets | 90.1355% | 1,485 |
| Equity capital to assets | 7.6527% | 3,828 |
| Core capital (leverage) ratio | 8.3743% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2496% | 1,437 |
| Memoranda: | ||
| Average total assets | $410,235,500 | 2,018 |
| Average earning assets | $345,645,000 | 2,164 |
| Average equity | $33,132,000 | 2,324 |
| Average total loans | $231,666,000 | 2,036 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 994 |
| Cost of funding earning assets | 0.2251% | 3,195 |
| Net interest margin | 3.9749% | 745 |
| Noninterest income to average assets | 0.3943% | 3,080 |
| Noninterest expense to average assets | 2.0333% | 3,570 |
| Loan and lease loss provision to assets | 0.2130% | 490 |
| Net operating income to assets | 1.4213% | 1,211 |
| Return on assets (ROA) | 1.4213% | 1,277 |
| Pretax return on assets | 1.7678% | 982 |
| Return on Equity (ROE) | 16.3379% | 702 |
| Retained earnings to average equity (ytd only) | 16.3379% | 156 |
| Net charge-offs to loans | 0.0570% | 1,220 |
| Credit loss provision to net charge-offs | 645.8333% | 693 |
| Earnings coverage of net charge-offs (x) | 60.0667% | 1,171 |
| Efficiency ratio | 50.6538% | 4,235 |
| Assets per employee ($millions) | 7.7685% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,021 |
| Loan loss allowance to noncurrent loans | 192.8080% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 1,620 |
| Noncurrent loans to loans | 0.7135% | 1,427 |
| Net loans and leases to total assets | 55.7837% | 2,647 |
| Net loans and leases to deposits | 62.5205% | 2,834 |
| Net loans and leases to core deposits | 65.7680% | 2,841 |
| Total domestic deposits to total assets | 89.2246% | 1,398 |
| Equity capital to assets | 8.5300% | 4,034 |
| Core capital (leverage) ratio | 8.3888% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3045% | 1,193 |
| Memoranda: | ||
| Average total assets | $363,899,600 | 2,131 |
| Average earning assets | $331,383,200 | 2,178 |
| Average equity | $31,656,400 | 2,440 |
| Average total loans | $210,631,400 | 2,170 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 1,419 |
| Cost of funding earning assets | 0.2217% | 3,406 |
| Net interest margin | 3.8312% | 1,056 |
| Noninterest income to average assets | 0.4215% | 2,973 |
| Noninterest expense to average assets | 2.0189% | 3,613 |
| Loan and lease loss provision to assets | 0.2156% | 459 |
| Net operating income to assets | 1.5048% | 1,263 |
| Return on assets (ROA) | 1.5048% | 1,310 |
| Pretax return on assets | 1.8717% | 1,000 |
| Return on Equity (ROE) | 17.2051% | 739 |
| Retained earnings to average equity (ytd only) | 17.2051% | 228 |
| Net charge-offs to loans | 0.0585% | 1,060 |
| Credit loss provision to net charge-offs | 631.8681% | 684 |
| Earnings coverage of net charge-offs (x) | 61.2088% | 1,128 |
| Efficiency ratio | 49.1696% | 4,285 |
| Assets per employee ($millions) | 8.1557% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,086 |
| Loan loss allowance to noncurrent loans | 284.3750% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 2,493 |
| Noncurrent loans to loans | 0.4868% | 2,094 |
| Net loans and leases to total assets | 51.9044% | 3,197 |
| Net loans and leases to deposits | 58.0352% | 3,407 |
| Net loans and leases to core deposits | 60.7997% | 3,415 |
| Total domestic deposits to total assets | 89.4360% | 1,046 |
| Equity capital to assets | 8.2939% | 4,355 |
| Core capital (leverage) ratio | 7.9045% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1544% | 1,108 |
| Memoranda: | ||
| Average total assets | $355,826,750 | 2,187 |
| Average earning assets | $342,195,500 | 2,140 |
| Average equity | $31,121,750 | 2,492 |
| Average total loans | $207,266,000 | 2,221 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 1,431 |
| Cost of funding earning assets | 0.2331% | 3,443 |
| Net interest margin | 3.8263% | 1,099 |
| Noninterest income to average assets | 0.4660% | 2,777 |
| Noninterest expense to average assets | 2.0708% | 3,485 |
| Loan and lease loss provision to assets | 0.2198% | 481 |
| Net operating income to assets | 1.4876% | 1,324 |
| Return on assets (ROA) | 1.4876% | 1,384 |
| Pretax return on assets | 1.8504% | 1,121 |
| Return on Equity (ROE) | 16.6714% | 831 |
| Retained earnings to average equity (ytd only) | 16.6714% | 291 |
| Net charge-offs to loans | 0.0873% | 806 |
| Credit loss provision to net charge-offs | 416.6667% | 742 |
| Earnings coverage of net charge-offs (x) | 39.2444% | 1,179 |
| Efficiency ratio | 50.0071% | 4,238 |
| Assets per employee ($millions) | 8.3321% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,386 |
| Loan loss allowance to noncurrent loans | 255.4614% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 2,539 |
| Noncurrent loans to loans | 0.5128% | 2,137 |
| Net loans and leases to total assets | 53.3284% | 3,219 |
| Net loans and leases to deposits | 59.6972% | 3,415 |
| Net loans and leases to core deposits | 62.6739% | 3,406 |
| Total domestic deposits to total assets | 89.3315% | 1,122 |
| Equity capital to assets | 8.2465% | 4,400 |
| Core capital (leverage) ratio | 8.4780% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3799% | 1,252 |
| Memoranda: | ||
| Average total assets | $341,225,333 | 2,246 |
| Average earning assets | $327,733,000 | 2,207 |
| Average equity | $30,447,333 | 2,513 |
| Average total loans | $206,242,000 | 2,233 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 1,030 |
| Cost of funding earning assets | 0.2465% | 3,507 |
| Net interest margin | 4.0567% | 778 |
| Noninterest income to average assets | 0.3598% | 3,288 |
| Noninterest expense to average assets | 2.1537% | 3,255 |
| Loan and lease loss provision to assets | 0.2498% | 421 |
| Net operating income to assets | 1.4828% | 1,365 |
| Return on assets (ROA) | 1.4828% | 1,432 |
| Pretax return on assets | 1.8414% | 1,216 |
| Return on Equity (ROE) | 15.8969% | 1,036 |
| Retained earnings to average equity (ytd only) | 15.8969% | 533 |
| Net charge-offs to loans | 0.0952% | 708 |
| Credit loss provision to net charge-offs | 408.1633% | 647 |
| Earnings coverage of net charge-offs (x) | 34.1633% | 1,040 |
| Efficiency ratio | 50.7357% | 4,122 |
| Assets per employee ($millions) | 7.8784% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,709 |
| Loan loss allowance to noncurrent loans | 227.5132% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 2,459 |
| Noncurrent loans to loans | 0.5457% | 2,223 |
| Net loans and leases to total assets | 60.5775% | 2,468 |
| Net loans and leases to deposits | 68.6370% | 2,632 |
| Net loans and leases to core deposits | 72.2943% | 2,678 |
| Total domestic deposits to total assets | 88.2578% | 1,714 |
| Equity capital to assets | 8.9724% | 3,715 |
| Core capital (leverage) ratio | 9.2891% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0242% | 1,284 |
| Memoranda: | ||
| Average total assets | $320,199,000 | 2,338 |
| Average earning assets | $306,651,500 | 2,293 |
| Average equity | $29,867,500 | 2,554 |
| Average total loans | $205,808,500 | 2,239 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,140 |
| Cost of funding earning assets | 0.3828% | 3,691 |
| Net interest margin | 4.1940% | 641 |
| Noninterest income to average assets | 0.3805% | 3,206 |
| Noninterest expense to average assets | 2.2745% | 3,477 |
| Loan and lease loss provision to assets | 0.3351% | 1,052 |
| Net operating income to assets | 1.4298% | 952 |
| Return on assets (ROA) | 1.5063% | 867 |
| Pretax return on assets | 1.8650% | 591 |
| Return on Equity (ROE) | 15.8393% | 519 |
| Retained earnings to average equity (ytd only) | 15.8393% | 121 |
| Net charge-offs to loans | 0.1361% | 1,188 |
| Credit loss provision to net charge-offs | 375.4941% | 1,505 |
| Earnings coverage of net charge-offs (x) | 23.5968% | 1,797 |
| Efficiency ratio | 51.9285% | 4,388 |
| Assets per employee ($millions) | 7.0146% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,990 |
| Loan loss allowance to noncurrent loans | 179.9259% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 2,243 |
| Noncurrent loans to loans | 0.6624% | 2,026 |
| Net loans and leases to total assets | 66.7676% | 1,983 |
| Net loans and leases to deposits | 76.4563% | 2,234 |
| Net loans and leases to core deposits | 79.9305% | 2,368 |
| Total domestic deposits to total assets | 87.3277% | 1,778 |
| Equity capital to assets | 9.7269% | 3,384 |
| Core capital (leverage) ratio | 9.3829% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4508% | 1,415 |
| Memoranda: | ||
| Average total assets | $283,537,400 | 2,380 |
| Average earning assets | $270,385,000 | 2,337 |
| Average equity | $26,964,600 | 2,680 |
| Average total loans | $185,951,600 | 2,363 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,408 |
| Cost of funding earning assets | 0.4227% | 3,684 |
| Net interest margin | 4.1443% | 819 |
| Noninterest income to average assets | 0.3856% | 3,154 |
| Noninterest expense to average assets | 2.2966% | 3,430 |
| Loan and lease loss provision to assets | 0.3344% | 1,158 |
| Net operating income to assets | 1.3825% | 1,144 |
| Return on assets (ROA) | 1.4828% | 1,019 |
| Pretax return on assets | 1.8326% | 739 |
| Return on Equity (ROE) | 15.6886% | 585 |
| Retained earnings to average equity (ytd only) | 15.6886% | 171 |
| Net charge-offs to loans | 0.1528% | 956 |
| Credit loss provision to net charge-offs | 336.5385% | 1,647 |
| Earnings coverage of net charge-offs (x) | 20.5577% | 1,896 |
| Efficiency ratio | 52.9179% | 4,261 |
| Assets per employee ($millions) | 6.9434% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,047 |
| Loan loss allowance to noncurrent loans | 160.8098% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,332 |
| Noncurrent loans to loans | 0.7016% | 2,037 |
| Net loans and leases to total assets | 65.2759% | 2,611 |
| Net loans and leases to deposits | 74.6769% | 2,894 |
| Net loans and leases to core deposits | 77.6557% | 3,043 |
| Total domestic deposits to total assets | 87.4111% | 1,486 |
| Equity capital to assets | 9.4874% | 3,694 |
| Core capital (leverage) ratio | 9.0342% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7811% | 1,309 |
| Memoranda: | ||
| Average total assets | $279,015,000 | 2,386 |
| Average earning assets | $266,225,000 | 2,347 |
| Average equity | $26,371,000 | 2,704 |
| Average total loans | $181,485,000 | 2,401 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 1,304 |
| Cost of funding earning assets | 0.4391% | 3,850 |
| Net interest margin | 4.3021% | 752 |
| Noninterest income to average assets | 0.3853% | 3,172 |
| Noninterest expense to average assets | 2.3420% | 3,423 |
| Loan and lease loss provision to assets | 0.3670% | 1,145 |
| Net operating income to assets | 1.4332% | 1,048 |
| Return on assets (ROA) | 1.5765% | 869 |
| Pretax return on assets | 1.9523% | 611 |
| Return on Equity (ROE) | 16.7034% | 476 |
| Retained earnings to average equity (ytd only) | 16.7034% | 147 |
| Net charge-offs to loans | 0.0647% | 1,596 |
| Credit loss provision to net charge-offs | 877.1930% | 862 |
| Earnings coverage of net charge-offs (x) | 51.2105% | 1,085 |
| Efficiency ratio | 52.2259% | 4,338 |
| Assets per employee ($millions) | 7.1233% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 2,867 |
| Loan loss allowance to noncurrent loans | 214.9209% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 2,913 |
| Noncurrent loans to loans | 0.5268% | 2,584 |
| Net loans and leases to total assets | 65.0269% | 2,751 |
| Net loans and leases to deposits | 74.3261% | 3,044 |
| Net loans and leases to core deposits | 81.1693% | 2,852 |
| Total domestic deposits to total assets | 87.4887% | 1,420 |
| Equity capital to assets | 9.3410% | 3,789 |
| Core capital (leverage) ratio | 9.1964% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1327% | 1,222 |
| Memoranda: | ||
| Average total assets | $272,498,333 | 2,396 |
| Average earning assets | $259,638,333 | 2,362 |
| Average equity | $25,719,333 | 2,738 |
| Average total loans | $176,275,000 | 2,427 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 849 |
| Cost of funding earning assets | 0.4725% | 4,058 |
| Net interest margin | 4.5968% | 416 |
| Noninterest income to average assets | 0.4035% | 3,071 |
| Noninterest expense to average assets | 2.4498% | 3,427 |
| Loan and lease loss provision to assets | 0.4568% | 654 |
| Net operating income to assets | 1.5042% | 775 |
| Return on assets (ROA) | 1.6854% | 580 |
| Pretax return on assets | 2.0904% | 377 |
| Return on Equity (ROE) | 17.7557% | 291 |
| Retained earnings to average equity (ytd only) | 17.7557% | 94 |
| Net charge-offs to loans | 0.1307% | 936 |
| Credit loss provision to net charge-offs | 545.4545% | 837 |
| Earnings coverage of net charge-offs (x) | 27.7455% | 1,230 |
| Efficiency ratio | 51.3238% | 4,592 |
| Assets per employee ($millions) | 6.5040% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 2,913 |
| Loan loss allowance to noncurrent loans | 168.1122% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 2,697 |
| Noncurrent loans to loans | 0.6868% | 2,278 |
| Net loans and leases to total assets | 63.4668% | 3,128 |
| Net loans and leases to deposits | 70.4214% | 3,557 |
| Net loans and leases to core deposits | 76.6315% | 3,456 |
| Total domestic deposits to total assets | 90.1243% | 285 |
| Equity capital to assets | 9.5461% | 4,170 |
| Core capital (leverage) ratio | 9.4586% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6119% | 1,210 |
| Memoranda: | ||
| Average total assets | $262,719,500 | 2,412 |
| Average earning assets | $249,739,500 | 2,372 |
| Average equity | $24,938,500 | 2,779 |
| Average total loans | $168,367,500 | 2,464 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 1,527 |
| Cost of funding earning assets | 0.5528% | 3,859 |
| Net interest margin | 4.4287% | 844 |
| Noninterest income to average assets | 0.4716% | 2,893 |
| Noninterest expense to average assets | 2.3332% | 3,862 |
| Loan and lease loss provision to assets | 0.1451% | 1,476 |
| Net operating income to assets | 1.7667% | 569 |
| Return on assets (ROA) | 1.7728% | 593 |
| Pretax return on assets | 2.1827% | 395 |
| Return on Equity (ROE) | 18.2725% | 322 |
| Retained earnings to average equity (ytd only) | 18.2725% | 47 |
| Net charge-offs to loans | 0.0631% | 2,198 |
| Credit loss provision to net charge-offs | 369.3182% | 752 |
| Earnings coverage of net charge-offs (x) | 59.0455% | 992 |
| Efficiency ratio | 50.1391% | 4,723 |
| Assets per employee ($millions) | 6.8099% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,240 |
| Loan loss allowance to noncurrent loans | 648.6891% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 4,112 |
| Noncurrent loans to loans | 0.1613% | 3,885 |
| Net loans and leases to total assets | 63.2917% | 3,280 |
| Net loans and leases to deposits | 70.0418% | 3,667 |
| Net loans and leases to core deposits | 76.3778% | 3,551 |
| Total domestic deposits to total assets | 90.3627% | 224 |
| Equity capital to assets | 9.4372% | 4,397 |
| Core capital (leverage) ratio | 9.7517% | 3,787 |
| Tier 1 risk-based capital ratio | 14.6010% | 2,963 |
| Total risk-based capital ratio | 15.6765% | 2,961 |
| Memoranda: | ||
| Average total assets | $223,938,200 | 2,628 |
| Average earning assets | $211,462,200 | 2,592 |
| Average equity | $21,726,600 | 2,983 |
| Average total loans | $139,570,400 | 2,725 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 1,526 |
| Cost of funding earning assets | 0.5761% | 3,790 |
| Net interest margin | 4.4270% | 891 |
| Noninterest income to average assets | 0.4956% | 2,758 |
| Noninterest expense to average assets | 2.3639% | 3,783 |
| Loan and lease loss provision to assets | 0.1394% | 1,386 |
| Net operating income to assets | 1.7595% | 664 |
| Return on assets (ROA) | 1.7680% | 688 |
| Pretax return on assets | 2.1731% | 474 |
| Return on Equity (ROE) | 18.0746% | 387 |
| Retained earnings to average equity (ytd only) | 18.0746% | 66 |
| Net charge-offs to loans | 0.0731% | 1,777 |
| Credit loss provision to net charge-offs | 308.2192% | 934 |
| Earnings coverage of net charge-offs (x) | 50.9046% | 1,173 |
| Efficiency ratio | 50.6638% | 4,701 |
| Assets per employee ($millions) | 6.5484% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,793 |
| Loan loss allowance to noncurrent loans | 1,056.4103% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,377 |
| Noncurrent loans to loans | 0.1085% | 4,160 |
| Net loans and leases to total assets | 62.0311% | 3,493 |
| Net loans and leases to deposits | 69.1840% | 3,822 |
| Net loans and leases to core deposits | 76.3379% | 3,675 |
| Total domestic deposits to total assets | 89.6611% | 386 |
| Equity capital to assets | 10.1220% | 3,887 |
| Core capital (leverage) ratio | 9.7052% | 3,964 |
| Tier 1 risk-based capital ratio | 16.2220% | 2,361 |
| Total risk-based capital ratio | 17.4157% | 2,305 |
| Memoranda: | ||
| Average total assets | $215,229,000 | 2,721 |
| Average earning assets | $202,749,000 | 2,704 |
| Average equity | $21,053,000 | 3,059 |
| Average total loans | $133,084,250 | 2,820 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 1,605 |
| Cost of funding earning assets | 0.5454% | 3,905 |
| Net interest margin | 4.4070% | 929 |
| Noninterest income to average assets | 0.5034% | 2,655 |
| Noninterest expense to average assets | 2.3878% | 3,764 |
| Loan and lease loss provision to assets | 0.1425% | 1,304 |
| Net operating income to assets | 1.7258% | 688 |
| Return on assets (ROA) | 1.7391% | 704 |
| Pretax return on assets | 2.1332% | 513 |
| Return on Equity (ROE) | 18.0060% | 379 |
| Retained earnings to average equity (ytd only) | 18.0060% | 83 |
| Net charge-offs to loans | 0.0633% | 1,745 |
| Credit loss provision to net charge-offs | 365.8537% | 779 |
| Earnings coverage of net charge-offs (x) | 58.0244% | 999 |
| Efficiency ratio | 51.3795% | 4,697 |
| Assets per employee ($millions) | 6.5606% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,771 |
| Loan loss allowance to noncurrent loans | 4,717.6471% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,716 |
| Noncurrent loans to loans | 0.0245% | 4,602 |
| Net loans and leases to total assets | 61.6056% | 3,586 |
| Net loans and leases to deposits | 68.4329% | 3,942 |
| Net loans and leases to core deposits | 70.9917% | 4,061 |
| Total domestic deposits to total assets | 90.0234% | 326 |
| Equity capital to assets | 9.8256% | 4,113 |
| Core capital (leverage) ratio | 9.7719% | 3,856 |
| Tier 1 risk-based capital ratio | 15.9397% | 2,439 |
| Total risk-based capital ratio | 17.1359% | 2,404 |
| Memoranda: | ||
| Average total assets | $210,574,330 | 2,781 |
| Average earning assets | $198,004,670 | 2,759 |
| Average equity | $20,337,670 | 3,123 |
| Average total loans | $129,506,000 | 2,877 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 1,619 |
| Cost of funding earning assets | 0.4854% | 4,129 |
| Net interest margin | 4.4038% | 895 |
| Noninterest income to average assets | 0.5149% | 2,471 |
| Noninterest expense to average assets | 2.4255% | 3,699 |
| Loan and lease loss provision to assets | 0.0979% | 1,791 |
| Net operating income to assets | 1.7305% | 691 |
| Return on assets (ROA) | 1.7305% | 715 |
| Pretax return on assets | 2.1123% | 511 |
| Return on Equity (ROE) | 18.0888% | 391 |
| Retained earnings to average equity (ytd only) | 18.0888% | 143 |
| Net charge-offs to loans | 0.0224% | 1,997 |
| Credit loss provision to net charge-offs | 714.2857% | 478 |
| Earnings coverage of net charge-offs (x) | 161.2857% | 476 |
| Efficiency ratio | 52.3226% | 4,675 |
| Assets per employee ($millions) | 6.0496% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,456 |
| Loan loss allowance to noncurrent loans | 2,022.3684% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,655 |
| Noncurrent loans to loans | 0.0605% | 4,487 |
| Net loans and leases to total assets | 60.3044% | 3,672 |
| Net loans and leases to deposits | 67.0423% | 3,983 |
| Net loans and leases to core deposits | 69.5883% | 4,095 |
| Total domestic deposits to total assets | 89.9498% | 463 |
| Equity capital to assets | 9.8596% | 3,959 |
| Core capital (leverage) ratio | 9.9494% | 3,658 |
| Tier 1 risk-based capital ratio | 15.8559% | 2,506 |
| Total risk-based capital ratio | 17.0490% | 2,460 |
| Memoranda: | ||
| Average total assets | $204,331,000 | 2,860 |
| Average earning assets | $191,197,500 | 2,839 |
| Average equity | $19,548,000 | 3,197 |
| Average total loans | $124,748,000 | 2,967 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 2,502 |
| Cost of funding earning assets | 0.3231% | 4,448 |
| Net interest margin | 4.1613% | 1,500 |
| Noninterest income to average assets | 0.4982% | 2,843 |
| Noninterest expense to average assets | 2.2391% | 4,246 |
| Loan and lease loss provision to assets | 0.1749% | 1,133 |
| Net operating income to assets | 1.6596% | 757 |
| Return on assets (ROA) | 1.6596% | 753 |
| Pretax return on assets | 2.0386% | 512 |
| Return on Equity (ROE) | 19.6142% | 271 |
| Retained earnings to average equity (ytd only) | 17.8555% | 60 |
| Net charge-offs to loans | 0.1703% | 1,125 |
| Credit loss provision to net charge-offs | 181.1224% | 1,560 |
| Earnings coverage of net charge-offs (x) | 22.9184% | 1,874 |
| Efficiency ratio | 50.2877% | 4,922 |
| Assets per employee ($millions) | 6.1507% | 1,415 |
| Cash dividends to net income (ytd only)* | 8.9667% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,539 |
| Loan loss allowance to noncurrent loans | 1,678.6517% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,629 |
| Noncurrent loans to loans | 0.0718% | 4,434 |
| Net loans and leases to total assets | 60.3161% | 3,737 |
| Net loans and leases to deposits | 66.5815% | 4,073 |
| Net loans and leases to core deposits | 69.2204% | 4,155 |
| Total domestic deposits to total assets | 90.5899% | 299 |
| Equity capital to assets | 9.2702% | 4,351 |
| Core capital (leverage) ratio | 9.6614% | 3,938 |
| Tier 1 risk-based capital ratio | 15.4351% | 2,650 |
| Total risk-based capital ratio | 16.6098% | 2,596 |
| Memoranda: | ||
| Average total assets | $202,935,000 | 2,831 |
| Average earning assets | $192,846,800 | 2,790 |
| Average equity | $17,171,200 | 3,378 |
| Average total loans | $115,098,800 | 3,058 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,712 |
| Cost of funding earning assets | 0.2945% | 4,557 |
| Net interest margin | 4.0799% | 1,693 |
| Noninterest income to average assets | 0.4685% | 3,054 |
| Noninterest expense to average assets | 2.1958% | 4,334 |
| Loan and lease loss provision to assets | 0.0854% | 2,261 |
| Net operating income to assets | 1.6932% | 760 |
| Return on assets (ROA) | 1.6932% | 759 |
| Pretax return on assets | 2.0828% | 505 |
| Return on Equity (ROE) | 20.5007% | 242 |
| Retained earnings to average equity (ytd only) | 18.0982% | 85 |
| Net charge-offs to loans | 0.1264% | 1,251 |
| Credit loss provision to net charge-offs | 121.4953% | 1,971 |
| Earnings coverage of net charge-offs (x) | 30.8418% | 1,580 |
| Efficiency ratio | 50.3162% | 4,925 |
| Assets per employee ($millions) | 6.1263% | 1,400 |
| Cash dividends to net income (ytd only)* | 11.7192% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,695 |
| Loan loss allowance to noncurrent loans | 1,282.0755% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,368 |
| Noncurrent loans to loans | 0.0926% | 4,472 |
| Net loans and leases to total assets | 54.3002% | 4,344 |
| Net loans and leases to deposits | 59.7830% | 4,562 |
| Net loans and leases to core deposits | 61.8579% | 4,622 |
| Total domestic deposits to total assets | 90.8288% | 263 |
| Equity capital to assets | 8.4866% | 4,931 |
| Core capital (leverage) ratio | 9.0474% | 4,660 |
| Tier 1 risk-based capital ratio | 15.8160% | 2,522 |
| Total risk-based capital ratio | 16.9623% | 2,494 |
| Memoranda: | ||
| Average total assets | $202,925,250 | 2,851 |
| Average earning assets | $193,759,250 | 2,798 |
| Average equity | $16,760,000 | 3,445 |
| Average total loans | $112,893,500 | 3,125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,843 |
| Cost of funding earning assets | 0.2820% | 4,550 |
| Net interest margin | 3.9958% | 1,878 |
| Noninterest income to average assets | 0.4614% | 3,082 |
| Noninterest expense to average assets | 2.1607% | 4,461 |
| Loan and lease loss provision to assets | 0.0795% | 2,315 |
| Net operating income to assets | 1.6556% | 792 |
| Return on assets (ROA) | 1.6556% | 803 |
| Pretax return on assets | 2.0533% | 540 |
| Return on Equity (ROE) | 20.2378% | 252 |
| Retained earnings to average equity (ytd only) | 16.5671% | 136 |
| Net charge-offs to loans | 0.0659% | 1,682 |
| Credit loss provision to net charge-offs | 216.2162% | 1,235 |
| Earnings coverage of net charge-offs (x) | 57.9730% | 1,021 |
| Efficiency ratio | 50.3242% | 5,009 |
| Assets per employee ($millions) | 6.4925% | 1,180 |
| Cash dividends to net income (ytd only)* | 18.1381% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,648 |
| Loan loss allowance to noncurrent loans | 389.5480% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 4,134 |
| Noncurrent loans to loans | 0.3114% | 3,588 |
| Net loans and leases to total assets | 54.0573% | 4,333 |
| Net loans and leases to deposits | 59.2778% | 4,572 |
| Net loans and leases to core deposits | 60.9954% | 4,653 |
| Total domestic deposits to total assets | 91.1932% | 207 |
| Equity capital to assets | 8.1575% | 5,165 |
| Core capital (leverage) ratio | 8.7431% | 4,934 |
| Tier 1 risk-based capital ratio | 15.5777% | 2,600 |
| Total risk-based capital ratio | 16.7818% | 2,568 |
| Memoranda: | ||
| Average total assets | $201,135,670 | 2,889 |
| Average earning assets | $192,901,670 | 2,824 |
| Average equity | $16,454,330 | 3,509 |
| Average total loans | $112,370,330 | 3,136 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,874 |
| Cost of funding earning assets | 0.2614% | 4,643 |
| Net interest margin | 3.9415% | 1,892 |
| Noninterest income to average assets | 0.4853% | 2,897 |
| Noninterest expense to average assets | 2.1696% | 4,491 |
| Loan and lease loss provision to assets | 0.0809% | 2,170 |
| Net operating income to assets | 1.6034% | 854 |
| Return on assets (ROA) | 1.6034% | 855 |
| Pretax return on assets | 2.0159% | 557 |
| Return on Equity (ROE) | 19.5712% | 282 |
| Retained earnings to average equity (ytd only) | 12.1178% | 666 |
| Net charge-offs to loans | 0.0680% | 1,429 |
| Credit loss provision to net charge-offs | 210.5263% | 1,016 |
| Earnings coverage of net charge-offs (x) | 54.5789% | 896 |
| Efficiency ratio | 50.8531% | 5,034 |
| Assets per employee ($millions) | 6.2703% | 1,323 |
| Cash dividends to net income (ytd only)* | 38.0832% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,773 |
| Loan loss allowance to noncurrent loans | 1,428.4211% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,871 |
| Noncurrent loans to loans | 0.0844% | 4,608 |
| Net loans and leases to total assets | 55.4116% | 4,170 |
| Net loans and leases to deposits | 60.6876% | 4,425 |
| Net loans and leases to core deposits | 62.5934% | 4,513 |
| Total domestic deposits to total assets | 91.3063% | 224 |
| Equity capital to assets | 8.0448% | 5,251 |
| Core capital (leverage) ratio | 8.8388% | 4,858 |
| Tier 1 risk-based capital ratio | 15.0693% | 2,836 |
| Total risk-based capital ratio | 16.2744% | 2,784 |
| Memoranda: | ||
| Average total assets | $197,824,000 | 2,951 |
| Average earning assets | $189,775,500 | 2,883 |
| Average equity | $16,207,500 | 3,560 |
| Average total loans | $111,711,500 | 3,169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 3,102 |
| Cost of funding earning assets | 0.1888% | 5,032 |
| Net interest margin | 3.8972% | 2,095 |
| Noninterest income to average assets | 0.4822% | 3,115 |
| Noninterest expense to average assets | 3.0510% | 2,008 |
| Loan and lease loss provision to assets | 0.1845% | 1,154 |
| Net operating income to assets | 0.7355% | 3,446 |
| Return on assets (ROA) | 0.7473% | 3,441 |
| Pretax return on assets | 0.9935% | 3,599 |
| Return on Equity (ROE) | 8.5140% | 2,533 |
| Retained earnings to average equity (ytd only) | -0.0660% | 5,034 |
| Net charge-offs to loans | 0.2829% | 928 |
| Credit loss provision to net charge-offs | 115.1316% | 2,280 |
| Earnings coverage of net charge-offs (x) | 7.2533% | 3,066 |
| Efficiency ratio | 72.4168% | 2,161 |
| Assets per employee ($millions) | 6.0937% | 1,459 |
| Cash dividends to net income (ytd only)* | 100.7757% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,744 |
| Loan loss allowance to noncurrent loans | 856.4103% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,716 |
| Noncurrent loans to loans | 0.1407% | 4,361 |
| Net loans and leases to total assets | 56.1783% | 4,172 |
| Net loans and leases to deposits | 61.7039% | 4,478 |
| Net loans and leases to core deposits | 63.5908% | 4,559 |
| Total domestic deposits to total assets | 91.0450% | 232 |
| Equity capital to assets | 8.3453% | 5,232 |
| Core capital (leverage) ratio | 8.4990% | 5,138 |
| Tier 1 risk-based capital ratio | 15.1787% | 2,760 |
| Total risk-based capital ratio | 16.4029% | 2,701 |
| Memoranda: | ||
| Average total assets | $189,738,400 | 3,022 |
| Average earning assets | $181,642,000 | 2,946 |
| Average equity | $16,655,000 | 3,517 |
| Average total loans | $107,464,800 | 3,220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 3,256 |
| Cost of funding earning assets | 0.1855% | 5,089 |
| Net interest margin | 3.8416% | 2,248 |
| Noninterest income to average assets | 0.4762% | 3,174 |
| Noninterest expense to average assets | 3.3222% | 1,293 |
| Loan and lease loss provision to assets | 0.1769% | 1,140 |
| Net operating income to assets | 0.5222% | 4,673 |
| Return on assets (ROA) | 0.5392% | 4,651 |
| Pretax return on assets | 0.6772% | 4,664 |
| Return on Equity (ROE) | 6.0653% | 4,094 |
| Retained earnings to average equity (ytd only) | -5.3092% | 5,551 |
| Net charge-offs to loans | 0.3102% | 678 |
| Credit loss provision to net charge-offs | 100.8065% | 2,260 |
| Earnings coverage of net charge-offs (x) | 4.7459% | 3,186 |
| Efficiency ratio | 79.9557% | 1,112 |
| Assets per employee ($millions) | 6.3404% | 1,283 |
| Cash dividends to net income (ytd only)* | 187.5341% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,020 |
| Loan loss allowance to noncurrent loans | 2,307.1429% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,113 |
| Noncurrent loans to loans | 0.0513% | 4,881 |
| Net loans and leases to total assets | 51.5232% | 4,611 |
| Net loans and leases to deposits | 56.2378% | 4,860 |
| Net loans and leases to core deposits | 57.9330% | 4,916 |
| Total domestic deposits to total assets | 91.6166% | 89 |
| Equity capital to assets | 7.7588% | 5,587 |
| Core capital (leverage) ratio | 8.6477% | 5,113 |
| Tier 1 risk-based capital ratio | 15.0289% | 2,904 |
| Total risk-based capital ratio | 16.2494% | 2,847 |
| Memoranda: | ||
| Average total assets | $188,423,750 | 3,061 |
| Average earning assets | $180,443,000 | 2,986 |
| Average equity | $16,750,500 | 3,542 |
| Average total loans | $106,610,500 | 3,265 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 2,786 |
| Cost of funding earning assets | 0.1983% | 4,999 |
| Net interest margin | 3.9136% | 1,879 |
| Noninterest income to average assets | 0.4915% | 3,076 |
| Noninterest expense to average assets | 2.3418% | 4,236 |
| Loan and lease loss provision to assets | 0.1212% | 1,708 |
| Net operating income to assets | 1.2615% | 1,401 |
| Return on assets (ROA) | 1.2849% | 1,365 |
| Pretax return on assets | 1.8029% | 833 |
| Return on Equity (ROE) | 13.7803% | 851 |
| Retained earnings to average equity (ytd only) | 8.6275% | 960 |
| Net charge-offs to loans | 0.2760% | 730 |
| Credit loss provision to net charge-offs | 75.3425% | 2,315 |
| Earnings coverage of net charge-offs (x) | 11.7534% | 2,249 |
| Efficiency ratio | 55.3241% | 4,892 |
| Assets per employee ($millions) | 5.6789% | 1,721 |
| Cash dividends to net income (ytd only)* | 37.3928% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,193 |
| Loan loss allowance to noncurrent loans | 2,559.1837% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,159 |
| Noncurrent loans to loans | 0.0457% | 4,964 |
| Net loans and leases to total assets | 58.2730% | 3,997 |
| Net loans and leases to deposits | 65.0195% | 4,301 |
| Net loans and leases to core deposits | 67.4600% | 4,382 |
| Total domestic deposits to total assets | 89.6238% | 673 |
| Equity capital to assets | 9.6625% | 4,265 |
| Core capital (leverage) ratio | 9.6113% | 4,009 |
| Tier 1 risk-based capital ratio | 16.4865% | 2,329 |
| Total risk-based capital ratio | 17.6811% | 2,296 |
| Memoranda: | ||
| Average total assets | $181,487,000 | 3,140 |
| Average earning assets | $173,497,670 | 3,065 |
| Average equity | $16,922,670 | 3,541 |
| Average total loans | $105,782,000 | 3,284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 2,807 |
| Cost of funding earning assets | 0.1988% | 4,992 |
| Net interest margin | 3.8597% | 1,922 |
| Noninterest income to average assets | 0.5073% | 2,928 |
| Noninterest expense to average assets | 2.3025% | 4,399 |
| Loan and lease loss provision to assets | 0.0882% | 2,068 |
| Net operating income to assets | 1.2770% | 1,301 |
| Return on assets (ROA) | 1.2770% | 1,335 |
| Pretax return on assets | 1.7997% | 803 |
| Return on Equity (ROE) | 13.9480% | 821 |
| Retained earnings to average equity (ytd only) | 13.3458% | 349 |
| Net charge-offs to loans | 0.2436% | 735 |
| Credit loss provision to net charge-offs | 62.5000% | 1,889 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,787 |
| Efficiency ratio | 54.9474% | 5,047 |
| Assets per employee ($millions) | 5.4972% | 1,892 |
| Cash dividends to net income (ytd only)* | 4.3178% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 3,052 |
| Loan loss allowance to noncurrent loans | 839.0728% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,938 |
| Noncurrent loans to loans | 0.1447% | 4,607 |
| Net loans and leases to total assets | 56.8064% | 4,084 |
| Net loans and leases to deposits | 63.2337% | 4,355 |
| Net loans and leases to core deposits | 65.8572% | 4,436 |
| Total domestic deposits to total assets | 89.8357% | 732 |
| Equity capital to assets | 9.3397% | 4,450 |
| Core capital (leverage) ratio | 9.5216% | 4,103 |
| Tier 1 risk-based capital ratio | 16.6348% | 2,309 |
| Total risk-based capital ratio | 17.8652% | 2,276 |
| Memoranda: | ||
| Average total assets | $181,368,500 | 3,173 |
| Average earning assets | $173,072,000 | 3,096 |
| Average equity | $16,604,500 | 3,590 |
| Average total loans | $105,098,000 | 3,317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,660 |
| Cost of funding earning assets | 0.2343% | 4,701 |
| Net interest margin | 3.9153% | 1,920 |
| Noninterest income to average assets | 0.5715% | 2,805 |
| Noninterest expense to average assets | 2.4517% | 4,160 |
| Loan and lease loss provision to assets | 0.0614% | 3,140 |
| Net operating income to assets | 1.2833% | 1,256 |
| Return on assets (ROA) | 1.3174% | 1,228 |
| Pretax return on assets | 1.8603% | 676 |
| Return on Equity (ROE) | 13.6925% | 824 |
| Retained earnings to average equity (ytd only) | 8.4575% | 712 |
| Net charge-offs to loans | 0.0502% | 3,041 |
| Credit loss provision to net charge-offs | 201.9231% | 1,403 |
| Earnings coverage of net charge-offs (x) | 61.5962% | 872 |
| Efficiency ratio | 56.6811% | 4,991 |
| Assets per employee ($millions) | 5.4948% | 1,868 |
| Cash dividends to net income (ytd only)* | 38.2327% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 3,009 |
| Loan loss allowance to noncurrent loans | 854.3046% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,006 |
| Noncurrent loans to loans | 0.1426% | 4,661 |
| Net loans and leases to total assets | 57.6784% | 4,099 |
| Net loans and leases to deposits | 63.8520% | 4,426 |
| Net loans and leases to core deposits | 66.4517% | 4,500 |
| Total domestic deposits to total assets | 90.3313% | 499 |
| Equity capital to assets | 8.9705% | 4,852 |
| Core capital (leverage) ratio | 9.1812% | 4,504 |
| Tier 1 risk-based capital ratio | 15.9550% | 2,568 |
| Total risk-based capital ratio | 17.1967% | 2,504 |
| Memoranda: | ||
| Average total assets | $170,942,000 | 3,274 |
| Average earning assets | $163,897,200 | 3,184 |
| Average equity | $16,447,000 | 3,630 |
| Average total loans | $103,673,600 | 3,321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 2,686 |
| Cost of funding earning assets | 0.2387% | 4,719 |
| Net interest margin | 3.9100% | 1,941 |
| Noninterest income to average assets | 0.5805% | 2,763 |
| Noninterest expense to average assets | 2.5004% | 3,983 |
| Loan and lease loss provision to assets | 0.0436% | 3,359 |
| Net operating income to assets | 1.2639% | 1,400 |
| Return on assets (ROA) | 1.3100% | 1,348 |
| Pretax return on assets | 1.8501% | 804 |
| Return on Equity (ROE) | 13.3716% | 953 |
| Retained earnings to average equity (ytd only) | 10.4532% | 494 |
| Net charge-offs to loans | 0.0388% | 2,856 |
| Credit loss provision to net charge-offs | 183.3333% | 1,534 |
| Earnings coverage of net charge-offs (x) | 76.9648% | 809 |
| Efficiency ratio | 57.7570% | 4,850 |
| Assets per employee ($millions) | 5.6890% | 1,674 |
| Cash dividends to net income (ytd only)* | 21.8258% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,332 |
| Loan loss allowance to noncurrent loans | 634.1709% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,988 |
| Noncurrent loans to loans | 0.1870% | 4,597 |
| Net loans and leases to total assets | 57.7581% | 4,120 |
| Net loans and leases to deposits | 64.4171% | 4,454 |
| Net loans and leases to core deposits | 67.1799% | 4,536 |
| Total domestic deposits to total assets | 89.6627% | 600 |
| Equity capital to assets | 9.4870% | 4,673 |
| Core capital (leverage) ratio | 9.4296% | 4,288 |
| Tier 1 risk-based capital ratio | 16.1728% | 2,556 |
| Total risk-based capital ratio | 17.4114% | 2,513 |
| Memoranda: | ||
| Average total assets | $168,345,500 | 3,322 |
| Average earning assets | $161,394,500 | 3,228 |
| Average equity | $16,492,250 | 3,658 |
| Average total loans | $103,122,750 | 3,341 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,419 |
| Cost of funding earning assets | 0.2436% | 4,721 |
| Net interest margin | 3.9836% | 1,691 |
| Noninterest income to average assets | 0.6155% | 2,539 |
| Noninterest expense to average assets | 2.5840% | 3,778 |
| Loan and lease loss provision to assets | 0.0672% | 2,796 |
| Net operating income to assets | 1.2611% | 1,390 |
| Return on assets (ROA) | 1.2871% | 1,424 |
| Pretax return on assets | 1.8147% | 855 |
| Return on Equity (ROE) | 12.9862% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.5383% | 997 |
| Net charge-offs to loans | 0.0353% | 2,744 |
| Credit loss provision to net charge-offs | 305.5556% | 943 |
| Earnings coverage of net charge-offs (x) | 83.9444% | 680 |
| Efficiency ratio | 58.3402% | 4,856 |
| Assets per employee ($millions) | 4.6785% | 2,749 |
| Cash dividends to net income (ytd only)* | 34.2505% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,130 |
| Loan loss allowance to noncurrent loans | 5,096.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,551 |
| Noncurrent loans to loans | 0.0243% | 5,371 |
| Net loans and leases to total assets | 60.2095% | 3,858 |
| Net loans and leases to deposits | 67.4886% | 4,227 |
| Net loans and leases to core deposits | 70.3687% | 4,295 |
| Total domestic deposits to total assets | 89.2143% | 802 |
| Equity capital to assets | 9.8868% | 4,353 |
| Core capital (leverage) ratio | 9.4352% | 4,287 |
| Tier 1 risk-based capital ratio | 16.2915% | 2,508 |
| Total risk-based capital ratio | 17.5422% | 2,452 |
| Memoranda: | ||
| Average total assets | $163,777,670 | 3,389 |
| Average earning assets | $156,791,670 | 3,316 |
| Average equity | $16,232,670 | 3,704 |
| Average total loans | $102,027,000 | 3,369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,314 |
| Cost of funding earning assets | 0.2458% | 4,747 |
| Net interest margin | 4.0007% | 1,613 |
| Noninterest income to average assets | 0.6219% | 2,404 |
| Noninterest expense to average assets | 2.6385% | 3,622 |
| Loan and lease loss provision to assets | 0.0743% | 2,475 |
| Net operating income to assets | 1.2367% | 1,435 |
| Return on assets (ROA) | 1.2437% | 1,524 |
| Pretax return on assets | 1.7491% | 945 |
| Return on Equity (ROE) | 12.5320% | 1,147 |
| Retained earnings to average equity (ytd only) | 12.5320% | 435 |
| Net charge-offs to loans | 0.0393% | 2,212 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 671 |
| Efficiency ratio | 59.2654% | 4,844 |
| Assets per employee ($millions) | 4.6023% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 3,307 |
| Loan loss allowance to noncurrent loans | 5,237.5000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,603 |
| Noncurrent loans to loans | 0.0235% | 5,404 |
| Net loans and leases to total assets | 60.9207% | 3,659 |
| Net loans and leases to deposits | 68.3543% | 4,023 |
| Net loans and leases to core deposits | 71.4466% | 4,112 |
| Total domestic deposits to total assets | 89.1249% | 1,037 |
| Equity capital to assets | 9.8774% | 4,245 |
| Core capital (leverage) ratio | 9.8386% | 3,731 |
| Tier 1 risk-based capital ratio | 16.4112% | 2,513 |
| Total risk-based capital ratio | 17.6624% | 2,467 |
| Memoranda: | ||
| Average total assets | $161,453,000 | 3,426 |
| Average earning assets | $154,574,000 | 3,358 |
| Average equity | $16,023,000 | 3,731 |
| Average total loans | $101,699,000 | 3,394 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,599 |
| Cost of funding earning assets | 0.2696% | 4,587 |
| Net interest margin | 4.2300% | 1,100 |
| Noninterest income to average assets | 0.5895% | 2,777 |
| Noninterest expense to average assets | 2.7878% | 3,286 |
| Loan and lease loss provision to assets | 0.0729% | 2,812 |
| Net operating income to assets | 1.2399% | 1,419 |
| Return on assets (ROA) | 1.2672% | 1,397 |
| Pretax return on assets | 1.7831% | 830 |
| Return on Equity (ROE) | 12.6464% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.9074% | 673 |
| Net charge-offs to loans | 0.1403% | 1,943 |
| Credit loss provision to net charge-offs | 78.0142% | 2,985 |
| Earnings coverage of net charge-offs (x) | 19.4397% | 1,948 |
| Efficiency ratio | 60.5328% | 4,833 |
| Assets per employee ($millions) | 4.3674% | 3,273 |
| Cash dividends to net income (ytd only)* | 29.5657% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 3,347 |
| Loan loss allowance to noncurrent loans | 2,096.6102% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,525 |
| Noncurrent loans to loans | 0.0583% | 5,285 |
| Net loans and leases to total assets | 63.5840% | 3,337 |
| Net loans and leases to deposits | 71.3129% | 3,782 |
| Net loans and leases to core deposits | 74.3902% | 3,901 |
| Total domestic deposits to total assets | 89.1620% | 1,038 |
| Equity capital to assets | 9.9736% | 3,991 |
| Core capital (leverage) ratio | 9.6236% | 4,014 |
| Tier 1 risk-based capital ratio | 16.1219% | 2,637 |
| Total risk-based capital ratio | 17.3728% | 2,584 |
| Memoranda: | ||
| Average total assets | $150,802,000 | 3,560 |
| Average earning assets | $143,167,000 | 3,495 |
| Average equity | $15,111,000 | 3,822 |
| Average total loans | $100,503,600 | 3,375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 1,579 |
| Cost of funding earning assets | 0.2735% | 4,629 |
| Net interest margin | 4.2312% | 1,103 |
| Noninterest income to average assets | 0.5746% | 2,882 |
| Noninterest expense to average assets | 2.8231% | 3,098 |
| Loan and lease loss provision to assets | 0.0536% | 3,122 |
| Net operating income to assets | 1.2152% | 1,600 |
| Return on assets (ROA) | 1.2520% | 1,531 |
| Pretax return on assets | 1.7596% | 975 |
| Return on Equity (ROE) | 12.4792% | 1,243 |
| Retained earnings to average equity (ytd only) | 10.1009% | 621 |
| Net charge-offs to loans | 0.1316% | 1,817 |
| Credit loss provision to net charge-offs | 60.6061% | 2,902 |
| Earnings coverage of net charge-offs (x) | 19.9086% | 1,903 |
| Efficiency ratio | 61.5789% | 4,634 |
| Assets per employee ($millions) | 4.2743% | 3,374 |
| Cash dividends to net income (ytd only)* | 19.0578% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,739 |
| Loan loss allowance to noncurrent loans | 120.1369% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 3,261 |
| Noncurrent loans to loans | 0.9865% | 2,524 |
| Net loans and leases to total assets | 66.5900% | 2,922 |
| Net loans and leases to deposits | 74.8922% | 3,435 |
| Net loans and leases to core deposits | 78.2315% | 3,588 |
| Total domestic deposits to total assets | 88.9145% | 1,071 |
| Equity capital to assets | 10.1010% | 4,048 |
| Core capital (leverage) ratio | 9.7438% | 3,974 |
| Tier 1 risk-based capital ratio | 15.5081% | 3,044 |
| Total risk-based capital ratio | 16.7586% | 2,970 |
| Memoranda: | ||
| Average total assets | $149,196,250 | 3,614 |
| Average earning assets | $141,389,500 | 3,556 |
| Average equity | $14,968,500 | 3,883 |
| Average total loans | $100,327,750 | 3,416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,534 |
| Cost of funding earning assets | 0.2752% | 4,664 |
| Net interest margin | 4.2258% | 1,056 |
| Noninterest income to average assets | 0.5798% | 2,858 |
| Noninterest expense to average assets | 2.8435% | 3,087 |
| Loan and lease loss provision to assets | 0.0406% | 3,303 |
| Net operating income to assets | 1.2052% | 1,584 |
| Return on assets (ROA) | 1.2504% | 1,523 |
| Pretax return on assets | 1.7530% | 972 |
| Return on Equity (ROE) | 12.4924% | 1,228 |
| Retained earnings to average equity (ytd only) | 8.8787% | 969 |
| Net charge-offs to loans | 0.1512% | 1,578 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 17.0267% | 1,875 |
| Efficiency ratio | 62.1742% | 4,653 |
| Assets per employee ($millions) | 4.2531% | 3,382 |
| Cash dividends to net income (ytd only)* | 28.9274% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 3,722 |
| Loan loss allowance to noncurrent loans | 522.6496% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 5,260 |
| Noncurrent loans to loans | 0.2319% | 4,843 |
| Net loans and leases to total assets | 65.1142% | 3,106 |
| Net loans and leases to deposits | 72.9398% | 3,623 |
| Net loans and leases to core deposits | 76.3394% | 3,732 |
| Total domestic deposits to total assets | 89.2712% | 1,015 |
| Equity capital to assets | 9.7785% | 4,302 |
| Core capital (leverage) ratio | 9.6307% | 4,099 |
| Tier 1 risk-based capital ratio | 15.5045% | 3,101 |
| Total risk-based capital ratio | 16.7554% | 3,048 |
| Memoranda: | ||
| Average total assets | $147,636,330 | 3,661 |
| Average earning assets | $139,525,000 | 3,611 |
| Average equity | $14,777,000 | 3,924 |
| Average total loans | $99,205,330 | 3,454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,305 |
| Cost of funding earning assets | 0.2818% | 4,646 |
| Net interest margin | 4.2796% | 922 |
| Noninterest income to average assets | 0.6184% | 2,558 |
| Noninterest expense to average assets | 2.8516% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3030% | 1,266 |
| Return on assets (ROA) | 1.3030% | 1,351 |
| Pretax return on assets | 1.7916% | 877 |
| Return on Equity (ROE) | 12.8615% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.8615% | 462 |
| Net charge-offs to loans | 0.1098% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.0370% | 1,308 |
| Efficiency ratio | 61.4150% | 4,895 |
| Assets per employee ($millions) | 4.2219% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 3,550 |
| Loan loss allowance to noncurrent loans | 614.3564% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 5,410 |
| Noncurrent loans to loans | 0.2076% | 5,036 |
| Net loans and leases to total assets | 65.0206% | 2,932 |
| Net loans and leases to deposits | 73.2181% | 3,400 |
| Net loans and leases to core deposits | 76.9568% | 3,495 |
| Total domestic deposits to total assets | 88.8040% | 1,387 |
| Equity capital to assets | 10.1017% | 4,011 |
| Core capital (leverage) ratio | 9.8253% | 3,853 |
| Tier 1 risk-based capital ratio | 15.8328% | 3,002 |
| Total risk-based capital ratio | 16.9584% | 2,994 |
| Memoranda: | ||
| Average total assets | $144,899,000 | 3,728 |
| Average earning assets | $136,274,000 | 3,680 |
| Average equity | $14,679,500 | 3,964 |
| Average total loans | $98,348,000 | 3,486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 938 |
| Cost of funding earning assets | 0.3064% | 4,725 |
| Net interest margin | 4.5860% | 630 |
| Noninterest income to average assets | 0.6616% | 2,495 |
| Noninterest expense to average assets | 2.9308% | 3,050 |
| Loan and lease loss provision to assets | 0.0770% | 2,940 |
| Net operating income to assets | 1.3539% | 1,181 |
| Return on assets (ROA) | 1.3539% | 1,232 |
| Pretax return on assets | 1.9018% | 637 |
| Return on Equity (ROE) | 13.5082% | 1,037 |
| Retained earnings to average equity (ytd only) | 9.5055% | 600 |
| Net charge-offs to loans | 0.0155% | 4,569 |
| Credit loss provision to net charge-offs | 700.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 179.8667% | 299 |
| Efficiency ratio | 59.6952% | 5,261 |
| Assets per employee ($millions) | 4.0580% | 3,814 |
| Cash dividends to net income (ytd only)* | 29.6316% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,565 |
| Loan loss allowance to noncurrent loans | 312.3153% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 4,892 |
| Noncurrent loans to loans | 0.4085% | 4,415 |
| Net loans and leases to total assets | 69.0751% | 2,382 |
| Net loans and leases to deposits | 77.7376% | 3,005 |
| Net loans and leases to core deposits | 81.4925% | 3,153 |
| Total domestic deposits to total assets | 88.8567% | 1,319 |
| Equity capital to assets | 10.1612% | 3,905 |
| Core capital (leverage) ratio | 9.5946% | 4,110 |
| Tier 1 risk-based capital ratio | 14.1805% | 3,978 |
| Total risk-based capital ratio | 15.4318% | 3,908 |
| Memoranda: | ||
| Average total assets | $136,344,000 | 3,871 |
| Average earning assets | $126,296,400 | 3,838 |
| Average equity | $13,665,800 | 4,077 |
| Average total loans | $96,505,000 | 3,490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 858 |
| Cost of funding earning assets | 0.3109% | 4,774 |
| Net interest margin | 4.6277% | 581 |
| Noninterest income to average assets | 0.6670% | 2,490 |
| Noninterest expense to average assets | 2.9577% | 2,939 |
| Loan and lease loss provision to assets | 0.0791% | 2,763 |
| Net operating income to assets | 1.3627% | 1,218 |
| Return on assets (ROA) | 1.3627% | 1,256 |
| Pretax return on assets | 1.9112% | 704 |
| Return on Equity (ROE) | 13.6454% | 1,065 |
| Retained earnings to average equity (ytd only) | 10.9342% | 525 |
| Net charge-offs to loans | 0.0084% | 4,422 |
| Credit loss provision to net charge-offs | 1,333.3333% | 259 |
| Earnings coverage of net charge-offs (x) | 335.6588% | 211 |
| Efficiency ratio | 59.7763% | 5,213 |
| Assets per employee ($millions) | 4.1146% | 3,635 |
| Cash dividends to net income (ytd only)* | 19.8692% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,670 |
| Loan loss allowance to noncurrent loans | 732.1637% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 5,693 |
| Noncurrent loans to loans | 0.1768% | 5,384 |
| Net loans and leases to total assets | 66.3051% | 2,806 |
| Net loans and leases to deposits | 74.4408% | 3,382 |
| Net loans and leases to core deposits | 78.1027% | 3,527 |
| Total domestic deposits to total assets | 89.0709% | 1,196 |
| Equity capital to assets | 9.8424% | 4,371 |
| Core capital (leverage) ratio | 9.7715% | 3,967 |
| Tier 1 risk-based capital ratio | 14.1958% | 4,084 |
| Total risk-based capital ratio | 15.4475% | 4,014 |
| Memoranda: | ||
| Average total assets | $134,922,250 | 3,919 |
| Average earning assets | $124,811,500 | 3,898 |
| Average equity | $13,474,250 | 4,137 |
| Average total loans | $95,787,250 | 3,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 705 |
| Cost of funding earning assets | 0.3175% | 4,789 |
| Net interest margin | 4.7165% | 469 |
| Noninterest income to average assets | 0.6763% | 2,397 |
| Noninterest expense to average assets | 2.9933% | 2,852 |
| Loan and lease loss provision to assets | 0.0834% | 2,639 |
| Net operating income to assets | 1.3890% | 1,092 |
| Return on assets (ROA) | 1.3890% | 1,135 |
| Pretax return on assets | 1.9470% | 621 |
| Return on Equity (ROE) | 13.8358% | 988 |
| Retained earnings to average equity (ytd only) | 9.6972% | 794 |
| Net charge-offs to loans | 0.0021% | 4,323 |
| Credit loss provision to net charge-offs | 5,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,339.0000% | 38 |
| Efficiency ratio | 59.5835% | 5,354 |
| Assets per employee ($millions) | 3.7775% | 4,297 |
| Cash dividends to net income (ytd only)* | 29.9127% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,029 |
| Loan loss allowance to noncurrent loans | 631.7949% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 5,278 |
| Noncurrent loans to loans | 0.2010% | 5,411 |
| Net loans and leases to total assets | 72.4571% | 1,659 |
| Net loans and leases to deposits | 81.7967% | 2,273 |
| Net loans and leases to core deposits | 84.7769% | 2,641 |
| Total domestic deposits to total assets | 88.5820% | 1,592 |
| Equity capital to assets | 10.3175% | 3,663 |
| Core capital (leverage) ratio | 9.7792% | 3,921 |
| Tier 1 risk-based capital ratio | 13.9342% | 4,291 |
| Total risk-based capital ratio | 15.1854% | 4,237 |
| Memoranda: | ||
| Average total assets | $131,893,000 | 3,997 |
| Average earning assets | $121,574,330 | 3,977 |
| Average equity | $13,241,000 | 4,177 |
| Average total loans | $95,470,330 | 3,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 681 |
| Cost of funding earning assets | 0.3239% | 4,809 |
| Net interest margin | 4.7035% | 466 |
| Noninterest income to average assets | 0.7136% | 2,109 |
| Noninterest expense to average assets | 3.0030% | 2,848 |
| Loan and lease loss provision to assets | 0.0911% | 2,401 |
| Net operating income to assets | 1.3816% | 1,027 |
| Return on assets (ROA) | 1.3816% | 1,069 |
| Pretax return on assets | 1.9403% | 603 |
| Return on Equity (ROE) | 13.9560% | 953 |
| Retained earnings to average equity (ytd only) | 13.9560% | 399 |
| Net charge-offs to loans | -0.0084% | 4,984 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6502% | 5,447 |
| Assets per employee ($millions) | 3.8753% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,301 |
| Loan loss allowance to noncurrent loans | 526.0870% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 5,269 |
| Noncurrent loans to loans | 0.2407% | 5,383 |
| Net loans and leases to total assets | 71.5971% | 1,633 |
| Net loans and leases to deposits | 80.7984% | 2,189 |
| Net loans and leases to core deposits | 84.9516% | 2,425 |
| Total domestic deposits to total assets | 88.6120% | 1,883 |
| Equity capital to assets | 10.1661% | 3,643 |
| Core capital (leverage) ratio | 9.8150% | 3,838 |
| Tier 1 risk-based capital ratio | 13.8906% | 4,402 |
| Total risk-based capital ratio | 15.1419% | 4,351 |
| Memoranda: | ||
| Average total assets | $131,733,500 | 4,039 |
| Average earning assets | $121,016,000 | 4,024 |
| Average equity | $13,041,000 | 4,227 |
| Average total loans | $94,691,000 | 3,594 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 1,089 |
| Cost of funding earning assets | 0.3091% | 5,526 |
| Net interest margin | 4.5940% | 621 |
| Noninterest income to average assets | 0.6796% | 2,652 |
| Noninterest expense to average assets | 3.0061% | 3,039 |
| Loan and lease loss provision to assets | 0.1298% | 2,693 |
| Net operating income to assets | 1.3248% | 1,195 |
| Return on assets (ROA) | 1.3790% | 1,108 |
| Pretax return on assets | 1.9318% | 565 |
| Return on Equity (ROE) | 14.6655% | 817 |
| Retained earnings to average equity (ytd only) | 10.9220% | 427 |
| Net charge-offs to loans | 0.1725% | 3,100 |
| Credit loss provision to net charge-offs | 106.2500% | 2,267 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,815 |
| Efficiency ratio | 60.2264% | 5,440 |
| Assets per employee ($millions) | 3.8737% | 4,111 |
| Cash dividends to net income (ytd only)* | 25.5260% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 4,369 |
| Loan loss allowance to noncurrent loans | 3,926.6667% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 5,877 |
| Noncurrent loans to loans | 0.0320% | 6,157 |
| Net loans and leases to total assets | 70.3514% | 1,960 |
| Net loans and leases to deposits | 78.7826% | 2,618 |
| Net loans and leases to core deposits | 83.4169% | 2,731 |
| Total domestic deposits to total assets | 89.2981% | 1,430 |
| Equity capital to assets | 9.6328% | 4,240 |
| Core capital (leverage) ratio | 9.1260% | 4,814 |
| Tier 1 risk-based capital ratio | 13.3718% | 4,736 |
| Total risk-based capital ratio | 14.6230% | 4,682 |
| Memoranda: | ||
| Average total assets | $130,967,000 | 4,049 |
| Average earning assets | $122,920,800 | 3,994 |
| Average equity | $12,314,600 | 4,392 |
| Average total loans | $92,757,000 | 3,626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,234 |
| Cost of funding earning assets | 0.3079% | 5,665 |
| Net interest margin | 4.5450% | 685 |
| Noninterest income to average assets | 0.6576% | 2,841 |
| Noninterest expense to average assets | 2.9973% | 3,006 |
| Loan and lease loss provision to assets | 0.1223% | 2,763 |
| Net operating income to assets | 1.3043% | 1,349 |
| Return on assets (ROA) | 1.3376% | 1,298 |
| Pretax return on assets | 1.8738% | 754 |
| Return on Equity (ROE) | 14.3132% | 924 |
| Retained earnings to average equity (ytd only) | 11.9350% | 431 |
| Net charge-offs to loans | 0.2134% | 2,547 |
| Credit loss provision to net charge-offs | 81.0811% | 2,825 |
| Earnings coverage of net charge-offs (x) | 12.9188% | 2,083 |
| Efficiency ratio | 60.5936% | 5,347 |
| Assets per employee ($millions) | 3.9863% | 3,858 |
| Cash dividends to net income (ytd only)* | 16.6159% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,666 |
| Loan loss allowance to noncurrent loans | 28,500.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 5,161 |
| Noncurrent loans to loans | 0.0044% | 6,375 |
| Net loans and leases to total assets | 66.7210% | 2,516 |
| Net loans and leases to deposits | 73.6327% | 3,292 |
| Net loans and leases to core deposits | 77.8983% | 3,376 |
| Total domestic deposits to total assets | 90.6134% | 698 |
| Equity capital to assets | 9.2221% | 4,906 |
| Core capital (leverage) ratio | 9.1106% | 4,954 |
| Tier 1 risk-based capital ratio | 13.2351% | 4,960 |
| Total risk-based capital ratio | 14.4862% | 4,894 |
| Memoranda: | ||
| Average total assets | $130,782,250 | 4,093 |
| Average earning assets | $123,413,500 | 4,022 |
| Average equity | $12,221,500 | 4,455 |
| Average total loans | $92,487,500 | 3,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 1,084 |
| Cost of funding earning assets | 0.3150% | 5,716 |
| Net interest margin | 4.5905% | 607 |
| Noninterest income to average assets | 0.6641% | 2,830 |
| Noninterest expense to average assets | 3.0604% | 2,796 |
| Loan and lease loss provision to assets | 0.1858% | 2,032 |
| Net operating income to assets | 1.1986% | 1,600 |
| Return on assets (ROA) | 1.2477% | 1,556 |
| Pretax return on assets | 1.8205% | 893 |
| Return on Equity (ROE) | 13.2905% | 1,169 |
| Retained earnings to average equity (ytd only) | 9.6958% | 913 |
| Net charge-offs to loans | 0.2500% | 2,231 |
| Credit loss provision to net charge-offs | 103.4483% | 2,140 |
| Earnings coverage of net charge-offs (x) | 10.7759% | 2,127 |
| Efficiency ratio | 61.2643% | 5,285 |
| Assets per employee ($millions) | 4.0027% | 3,795 |
| Cash dividends to net income (ytd only)* | 27.0471% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 4,609 |
| Loan loss allowance to noncurrent loans | 478.3673% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 4,644 |
| Noncurrent loans to loans | 0.2673% | 5,643 |
| Net loans and leases to total assets | 68.5144% | 2,144 |
| Net loans and leases to deposits | 75.6202% | 2,932 |
| Net loans and leases to core deposits | 79.9385% | 3,033 |
| Total domestic deposits to total assets | 90.6033% | 704 |
| Equity capital to assets | 9.2801% | 4,885 |
| Core capital (leverage) ratio | 8.9629% | 5,056 |
| Tier 1 risk-based capital ratio | 12.8942% | 5,228 |
| Total risk-based capital ratio | 14.1549% | 5,151 |
| Memoranda: | ||
| Average total assets | $129,198,670 | 4,155 |
| Average earning assets | $121,903,330 | 4,083 |
| Average equity | $12,129,000 | 4,504 |
| Average total loans | $92,793,670 | 3,661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 962 |
| Cost of funding earning assets | 0.3154% | 5,836 |
| Net interest margin | 4.6479% | 522 |
| Noninterest income to average assets | 0.6638% | 2,799 |
| Noninterest expense to average assets | 2.9964% | 3,006 |
| Loan and lease loss provision to assets | 0.1879% | 1,959 |
| Net operating income to assets | 1.3452% | 1,162 |
| Return on assets (ROA) | 1.3745% | 1,179 |
| Pretax return on assets | 1.9037% | 729 |
| Return on Equity (ROE) | 14.5551% | 854 |
| Retained earnings to average equity (ytd only) | 14.5551% | 392 |
| Net charge-offs to loans | 0.3385% | 1,627 |
| Credit loss provision to net charge-offs | 75.9494% | 2,214 |
| Earnings coverage of net charge-offs (x) | 8.2911% | 1,958 |
| Efficiency ratio | 59.3672% | 5,674 |
| Assets per employee ($millions) | 3.9156% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,070 |
| Loan loss allowance to noncurrent loans | 168.7225% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 4,617 |
| Noncurrent loans to loans | 0.7254% | 4,677 |
| Net loans and leases to total assets | 71.7628% | 1,393 |
| Net loans and leases to deposits | 79.5745% | 2,138 |
| Net loans and leases to core deposits | 83.6648% | 2,361 |
| Total domestic deposits to total assets | 90.1831% | 942 |
| Equity capital to assets | 9.4973% | 4,852 |
| Core capital (leverage) ratio | 9.0692% | 4,771 |
| Tier 1 risk-based capital ratio | 11.3227% | 6,267 |
| Total risk-based capital ratio | 12.4698% | 6,283 |
| Memoranda: | ||
| Average total assets | $127,753,500 | 4,228 |
| Average earning assets | $120,485,500 | 4,144 |
| Average equity | $12,064,500 | 4,560 |
| Average total loans | $93,354,500 | 3,669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 1,071 |
| Cost of funding earning assets | 0.3657% | 6,126 |
| Net interest margin | 4.8584% | 488 |
| Noninterest income to average assets | 0.6586% | 2,948 |
| Noninterest expense to average assets | 3.1387% | 2,813 |
| Loan and lease loss provision to assets | 0.1978% | 3,158 |
| Net operating income to assets | 1.3594% | 1,181 |
| Return on assets (ROA) | 1.3748% | 1,264 |
| Pretax return on assets | 1.9097% | 739 |
| Return on Equity (ROE) | 14.6154% | 889 |
| Retained earnings to average equity (ytd only) | 9.1916% | 764 |
| Net charge-offs to loans | 0.0785% | 4,888 |
| Credit loss provision to net charge-offs | 347.8261% | 703 |
| Earnings coverage of net charge-offs (x) | 36.6812% | 865 |
| Efficiency ratio | 60.0726% | 5,528 |
| Assets per employee ($millions) | 3.9466% | 4,050 |
| Cash dividends to net income (ytd only)* | 37.1103% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 4,827 |
| Loan loss allowance to noncurrent loans | 319.1257% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,222 |
| Noncurrent loans to loans | 0.3943% | 5,511 |
| Net loans and leases to total assets | 72.5808% | 1,412 |
| Net loans and leases to deposits | 80.2878% | 2,244 |
| Net loans and leases to core deposits | 84.2847% | 2,516 |
| Total domestic deposits to total assets | 90.4007% | 751 |
| Equity capital to assets | 9.3886% | 5,014 |
| Core capital (leverage) ratio | 8.7332% | 5,275 |
| Tier 1 risk-based capital ratio | 10.8797% | 6,396 |
| Total risk-based capital ratio | 12.0454% | 6,404 |
| Memoranda: | ||
| Average total assets | $121,325,400 | 4,335 |
| Average earning assets | $114,029,600 | 4,247 |
| Average equity | $11,412,600 | 4,687 |
| Average total loans | $87,942,000 | 3,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 1,115 |
| Cost of funding earning assets | 0.3768% | 6,250 |
| Net interest margin | 4.8624% | 510 |
| Noninterest income to average assets | 0.6617% | 2,921 |
| Noninterest expense to average assets | 3.1733% | 2,654 |
| Loan and lease loss provision to assets | 0.1999% | 3,082 |
| Net operating income to assets | 1.3427% | 1,343 |
| Return on assets (ROA) | 1.3635% | 1,434 |
| Pretax return on assets | 1.8875% | 898 |
| Return on Equity (ROE) | 14.4874% | 1,003 |
| Retained earnings to average equity (ytd only) | 12.1633% | 506 |
| Net charge-offs to loans | 0.0969% | 4,416 |
| Credit loss provision to net charge-offs | 285.7143% | 944 |
| Earnings coverage of net charge-offs (x) | 29.4279% | 1,112 |
| Efficiency ratio | 60.6537% | 5,386 |
| Assets per employee ($millions) | 3.9438% | 3,989 |
| Cash dividends to net income (ytd only)* | 16.0424% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,035 |
| Loan loss allowance to noncurrent loans | 323.8372% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 5,433 |
| Noncurrent loans to loans | 0.3868% | 5,691 |
| Net loans and leases to total assets | 69.5932% | 1,995 |
| Net loans and leases to deposits | 77.0705% | 2,797 |
| Net loans and leases to core deposits | 80.6457% | 3,129 |
| Total domestic deposits to total assets | 90.2981% | 678 |
| Equity capital to assets | 9.3873% | 5,353 |
| Core capital (leverage) ratio | 8.7600% | 5,390 |
| Tier 1 risk-based capital ratio | 11.1313% | 6,428 |
| Total risk-based capital ratio | 12.2707% | 6,450 |
| Memoranda: | ||
| Average total assets | $120,084,000 | 4,398 |
| Average earning assets | $112,863,000 | 4,321 |
| Average equity | $11,301,500 | 4,753 |
| Average total loans | $86,719,750 | 3,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 1,033 |
| Cost of funding earning assets | 0.3903% | 6,324 |
| Net interest margin | 4.9198% | 448 |
| Noninterest income to average assets | 0.6709% | 2,826 |
| Noninterest expense to average assets | 3.2547% | 2,421 |
| Loan and lease loss provision to assets | 0.2033% | 3,044 |
| Net operating income to assets | 1.3218% | 1,386 |
| Return on assets (ROA) | 1.3486% | 1,467 |
| Pretax return on assets | 1.8637% | 913 |
| Return on Equity (ROE) | 14.3170% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.7737% | 789 |
| Net charge-offs to loans | 0.0744% | 4,405 |
| Credit loss provision to net charge-offs | 375.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 37.4375% | 922 |
| Efficiency ratio | 61.5903% | 5,312 |
| Assets per employee ($millions) | 3.8830% | 4,113 |
| Cash dividends to net income (ytd only)* | 24.7487% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,207 |
| Loan loss allowance to noncurrent loans | 376.7361% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 5,718 |
| Noncurrent loans to loans | 0.3265% | 5,898 |
| Net loans and leases to total assets | 70.1063% | 1,901 |
| Net loans and leases to deposits | 77.4439% | 2,763 |
| Net loans and leases to core deposits | 81.0767% | 3,075 |
| Total domestic deposits to total assets | 90.5253% | 646 |
| Equity capital to assets | 9.1818% | 5,480 |
| Core capital (leverage) ratio | 8.6600% | 5,434 |
| Tier 1 risk-based capital ratio | 10.6768% | 6,626 |
| Total risk-based capital ratio | 11.7853% | 6,666 |
| Memoranda: | ||
| Average total assets | $118,044,670 | 4,466 |
| Average earning assets | $110,696,670 | 4,396 |
| Average equity | $11,119,670 | 4,787 |
| Average total loans | $85,979,000 | 3,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 861 |
| Cost of funding earning assets | 0.4095% | 6,358 |
| Net interest margin | 5.0262% | 382 |
| Noninterest income to average assets | 0.6821% | 2,747 |
| Noninterest expense to average assets | 3.3688% | 2,092 |
| Loan and lease loss provision to assets | 0.2088% | 2,861 |
| Net operating income to assets | 1.3128% | 1,426 |
| Return on assets (ROA) | 1.3433% | 1,497 |
| Pretax return on assets | 1.8445% | 987 |
| Return on Equity (ROE) | 14.0683% | 1,171 |
| Retained earnings to average equity (ytd only) | 14.0683% | 557 |
| Net charge-offs to loans | 0.0518% | 3,982 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 52.5455% | 615 |
| Efficiency ratio | 62.6132% | 5,172 |
| Assets per employee ($millions) | 3.6235% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,477 |
| Loan loss allowance to noncurrent loans | 241.0138% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 5,474 |
| Noncurrent loans to loans | 0.4984% | 5,677 |
| Net loans and leases to total assets | 71.9479% | 1,415 |
| Net loans and leases to deposits | 79.6997% | 2,243 |
| Net loans and leases to core deposits | 82.7874% | 2,715 |
| Total domestic deposits to total assets | 90.2738% | 929 |
| Equity capital to assets | 9.3373% | 5,043 |
| Core capital (leverage) ratio | 8.9275% | 4,951 |
| Tier 1 risk-based capital ratio | 10.7850% | 6,634 |
| Total risk-based capital ratio | 11.8870% | 6,683 |
| Memoranda: | ||
| Average total assets | $114,938,500 | 4,566 |
| Average earning assets | $107,436,000 | 4,501 |
| Average equity | $10,975,000 | 4,828 |
| Average total loans | $84,870,000 | 3,980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 1,560 |
| Cost of funding earning assets | 0.5019% | 6,526 |
| Net interest margin | 4.8484% | 574 |
| Noninterest income to average assets | 0.7147% | 2,523 |
| Noninterest expense to average assets | 3.4722% | 2,058 |
| Loan and lease loss provision to assets | 0.2327% | 3,879 |
| Net operating income to assets | 1.1346% | 1,708 |
| Return on assets (ROA) | 1.1614% | 1,739 |
| Pretax return on assets | 1.5681% | 1,284 |
| Return on Equity (ROE) | 12.1342% | 1,370 |
| Retained earnings to average equity (ytd only) | 8.9840% | 807 |
| Net charge-offs to loans | 0.0789% | 5,534 |
| Credit loss provision to net charge-offs | 416.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 813 |
| Efficiency ratio | 66.3053% | 4,707 |
| Assets per employee ($millions) | 3.3425% | 5,397 |
| Cash dividends to net income (ytd only)* | 25.9615% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,358 |
| Loan loss allowance to noncurrent loans | 389.4531% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 5,819 |
| Noncurrent loans to loans | 0.3097% | 6,110 |
| Net loans and leases to total assets | 74.0379% | 1,269 |
| Net loans and leases to deposits | 82.2873% | 2,162 |
| Net loans and leases to core deposits | 85.7125% | 2,670 |
| Total domestic deposits to total assets | 89.9749% | 1,005 |
| Equity capital to assets | 9.7776% | 4,473 |
| Core capital (leverage) ratio | 8.8002% | 5,104 |
| Tier 1 risk-based capital ratio | 10.7705% | 6,571 |
| Total risk-based capital ratio | 11.8605% | 6,617 |
| Memoranda: | ||
| Average total assets | $107,454,800 | 4,695 |
| Average earning assets | $100,217,800 | 4,637 |
| Average equity | $10,285,000 | 4,949 |
| Average total loans | $75,998,000 | 4,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 1,774 |
| Cost of funding earning assets | 0.5273% | 6,592 |
| Net interest margin | 4.7964% | 628 |
| Noninterest income to average assets | 0.7282% | 2,428 |
| Noninterest expense to average assets | 3.5199% | 1,890 |
| Loan and lease loss provision to assets | 0.2123% | 3,897 |
| Net operating income to assets | 1.0856% | 2,023 |
| Return on assets (ROA) | 1.1217% | 2,032 |
| Pretax return on assets | 1.5101% | 1,626 |
| Return on Equity (ROE) | 11.7844% | 1,599 |
| Retained earnings to average equity (ytd only) | 10.0260% | 835 |
| Net charge-offs to loans | 0.0215% | 5,852 |
| Credit loss provision to net charge-offs | 1,416.6667% | 191 |
| Earnings coverage of net charge-offs (x) | 111.6638% | 319 |
| Efficiency ratio | 67.7730% | 4,357 |
| Assets per employee ($millions) | 3.3442% | 5,377 |
| Cash dividends to net income (ytd only)* | 14.9219% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,250 |
| Loan loss allowance to noncurrent loans | 1,398.5507% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 6,335 |
| Noncurrent loans to loans | 0.0893% | 6,710 |
| Net loans and leases to total assets | 69.1042% | 2,258 |
| Net loans and leases to deposits | 76.8275% | 3,190 |
| Net loans and leases to core deposits | 79.8196% | 3,665 |
| Total domestic deposits to total assets | 89.9473% | 893 |
| Equity capital to assets | 9.6685% | 4,831 |
| Core capital (leverage) ratio | 8.7808% | 5,294 |
| Tier 1 risk-based capital ratio | 11.1998% | 6,431 |
| Total risk-based capital ratio | 12.3150% | 6,488 |
| Memoranda: | ||
| Average total assets | $106,742,750 | 4,741 |
| Average earning assets | $99,377,000 | 4,685 |
| Average equity | $10,160,000 | 4,995 |
| Average total loans | $74,331,750 | 4,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 2,007 |
| Cost of funding earning assets | 0.5508% | 6,660 |
| Net interest margin | 4.7140% | 703 |
| Noninterest income to average assets | 0.7239% | 2,410 |
| Noninterest expense to average assets | 3.5760% | 1,797 |
| Loan and lease loss provision to assets | 0.2085% | 3,838 |
| Net operating income to assets | 0.9925% | 2,259 |
| Return on assets (ROA) | 1.0252% | 2,219 |
| Pretax return on assets | 1.3625% | 1,910 |
| Return on Equity (ROE) | 10.8308% | 1,853 |
| Retained earnings to average equity (ytd only) | 8.1481% | 1,408 |
| Net charge-offs to loans | 0.0027% | 5,849 |
| Credit loss provision to net charge-offs | 11,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 806.0000% | 34 |
| Efficiency ratio | 70.0706% | 4,112 |
| Assets per employee ($millions) | 3.3908% | 5,222 |
| Cash dividends to net income (ytd only)* | 24.7689% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,624 |
| Loan loss allowance to noncurrent loans | 506.0773% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,169 |
| Noncurrent loans to loans | 0.2336% | 6,450 |
| Net loans and leases to total assets | 68.4150% | 2,534 |
| Net loans and leases to deposits | 75.5815% | 3,546 |
| Net loans and leases to core deposits | 78.4536% | 4,001 |
| Total domestic deposits to total assets | 90.5182% | 710 |
| Equity capital to assets | 9.1476% | 5,364 |
| Core capital (leverage) ratio | 8.6970% | 5,228 |
| Tier 1 risk-based capital ratio | 10.7189% | 6,703 |
| Total risk-based capital ratio | 11.7708% | 6,777 |
| Memoranda: | ||
| Average total assets | $105,537,670 | 4,810 |
| Average earning assets | $98,047,330 | 4,757 |
| Average equity | $9,990,000 | 5,050 |
| Average total loans | $73,366,670 | 4,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,950 |
| Cost of funding earning assets | 0.5651% | 6,742 |
| Net interest margin | 4.7109% | 688 |
| Noninterest income to average assets | 0.7347% | 2,361 |
| Noninterest expense to average assets | 3.7672% | 1,405 |
| Loan and lease loss provision to assets | 0.1954% | 3,671 |
| Net operating income to assets | 0.8793% | 2,667 |
| Return on assets (ROA) | 0.8793% | 2,728 |
| Pretax return on assets | 1.1372% | 2,614 |
| Return on Equity (ROE) | 9.1213% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.1213% | 1,345 |
| Net charge-offs to loans | -0.0056% | 6,259 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8697% | 3,535 |
| Assets per employee ($millions) | 3.1453% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,740 |
| Loan loss allowance to noncurrent loans | 449.2147% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 6,143 |
| Noncurrent loans to loans | 0.2618% | 6,464 |
| Net loans and leases to total assets | 69.4603% | 2,230 |
| Net loans and leases to deposits | 77.1974% | 3,218 |
| Net loans and leases to core deposits | 79.5439% | 3,815 |
| Total domestic deposits to total assets | 89.9775% | 1,161 |
| Equity capital to assets | 9.6622% | 4,234 |
| Core capital (leverage) ratio | 9.0521% | 4,527 |
| Tier 1 risk-based capital ratio | 11.2894% | 6,266 |
| Total risk-based capital ratio | 12.3477% | 6,412 |
| Memoranda: | ||
| Average total assets | $102,357,500 | 4,935 |
| Average earning assets | $94,843,000 | 4,892 |
| Average equity | $9,867,000 | 5,072 |
| Average total loans | $71,314,500 | 4,568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 1,961 |
| Cost of funding earning assets | 0.6164% | 7,092 |
| Net interest margin | 4.9681% | 464 |
| Noninterest income to average assets | 0.8566% | 2,024 |
| Noninterest expense to average assets | 3.6841% | 1,740 |
| Loan and lease loss provision to assets | 0.2969% | 4,424 |
| Net operating income to assets | 1.0704% | 1,800 |
| Return on assets (ROA) | 1.2097% | 1,469 |
| Pretax return on assets | 1.6634% | 1,016 |
| Return on Equity (ROE) | 12.0649% | 1,308 |
| Retained earnings to average equity (ytd only) | 8.9244% | 727 |
| Net charge-offs to loans | 0.3217% | 4,407 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 7.9476% | 2,037 |
| Efficiency ratio | 67.5544% | 4,658 |
| Assets per employee ($millions) | 3.0582% | 5,976 |
| Cash dividends to net income (ytd only)* | 26.0298% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,700 |
| Loan loss allowance to noncurrent loans | 436.2162% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 6,194 |
| Noncurrent loans to loans | 0.2655% | 6,530 |
| Net loans and leases to total assets | 68.2399% | 2,922 |
| Net loans and leases to deposits | 75.6838% | 3,889 |
| Net loans and leases to core deposits | 78.3096% | 4,421 |
| Total domestic deposits to total assets | 90.1644% | 1,009 |
| Equity capital to assets | 9.6166% | 4,251 |
| Core capital (leverage) ratio | 9.0642% | 4,426 |
| Tier 1 risk-based capital ratio | 11.3301% | 6,060 |
| Total risk-based capital ratio | 12.3542% | 6,221 |
| Memoranda: | ||
| Average total assets | $94,323,000 | 5,152 |
| Average earning assets | $87,276,800 | 5,107 |
| Average equity | $9,457,200 | 5,280 |
| Average total loans | $65,270,000 | 4,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 1,923 |
| Cost of funding earning assets | 0.6176% | 7,257 |
| Net interest margin | 5.0205% | 423 |
| Noninterest income to average assets | 0.8503% | 1,998 |
| Noninterest expense to average assets | 3.7694% | 1,431 |
| Loan and lease loss provision to assets | 0.2734% | 4,399 |
| Net operating income to assets | 1.0655% | 2,017 |
| Return on assets (ROA) | 1.2545% | 1,535 |
| Pretax return on assets | 1.7092% | 1,099 |
| Return on Equity (ROE) | 12.3748% | 1,408 |
| Retained earnings to average equity (ytd only) | 10.5299% | 680 |
| Net charge-offs to loans | 0.2182% | 4,633 |
| Credit loss provision to net charge-offs | 180.9524% | 2,025 |
| Earnings coverage of net charge-offs (x) | 11.4092% | 1,793 |
| Efficiency ratio | 68.6223% | 4,349 |
| Assets per employee ($millions) | 3.0563% | 6,010 |
| Cash dividends to net income (ytd only)* | 14.9083% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,404 |
| Loan loss allowance to noncurrent loans | 313.7405% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 6,119 |
| Noncurrent loans to loans | 0.3878% | 6,421 |
| Net loans and leases to total assets | 68.2393% | 3,152 |
| Net loans and leases to deposits | 76.1893% | 4,150 |
| Net loans and leases to core deposits | 78.5689% | 4,728 |
| Total domestic deposits to total assets | 89.5654% | 1,090 |
| Equity capital to assets | 10.0031% | 4,153 |
| Core capital (leverage) ratio | 9.3353% | 4,154 |
| Tier 1 risk-based capital ratio | 11.7914% | 5,648 |
| Total risk-based capital ratio | 12.8896% | 5,776 |
| Memoranda: | ||
| Average total assets | $92,674,000 | 5,264 |
| Average earning assets | $85,700,250 | 5,214 |
| Average equity | $9,395,250 | 5,378 |
| Average total loans | $64,169,000 | 4,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6984% | 1,771 |
| Cost of funding earning assets | 0.6112% | 7,381 |
| Net interest margin | 5.0872% | 351 |
| Noninterest income to average assets | 0.8641% | 1,818 |
| Noninterest expense to average assets | 3.8322% | 1,303 |
| Loan and lease loss provision to assets | 0.2638% | 4,289 |
| Net operating income to assets | 1.0886% | 1,893 |
| Return on assets (ROA) | 1.1895% | 1,654 |
| Pretax return on assets | 1.6072% | 1,283 |
| Return on Equity (ROE) | 11.6771% | 1,533 |
| Retained earnings to average equity (ytd only) | 8.8711% | 1,145 |
| Net charge-offs to loans | 0.2379% | 4,176 |
| Credit loss provision to net charge-offs | 160.0000% | 2,459 |
| Earnings coverage of net charge-offs (x) | 10.5200% | 1,880 |
| Efficiency ratio | 68.8389% | 4,418 |
| Assets per employee ($millions) | 2.9084% | 6,337 |
| Cash dividends to net income (ytd only)* | 24.0296% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,261 |
| Loan loss allowance to noncurrent loans | 183.5681% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 6,305 |
| Noncurrent loans to loans | 0.6730% | 5,907 |
| Net loans and leases to total assets | 67.1735% | 3,580 |
| Net loans and leases to deposits | 75.0612% | 4,508 |
| Net loans and leases to core deposits | 77.2855% | 5,049 |
| Total domestic deposits to total assets | 89.4916% | 1,184 |
| Equity capital to assets | 10.1163% | 3,870 |
| Core capital (leverage) ratio | 9.2366% | 4,236 |
| Tier 1 risk-based capital ratio | 11.7988% | 5,494 |
| Total risk-based capital ratio | 12.8849% | 5,603 |
| Memoranda: | ||
| Average total assets | $90,965,330 | 5,355 |
| Average earning assets | $84,093,670 | 5,291 |
| Average equity | $9,266,000 | 5,424 |
| Average total loans | $63,038,670 | 5,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7575% | 1,602 |
| Cost of funding earning assets | 0.5888% | 7,552 |
| Net interest margin | 5.1687% | 312 |
| Noninterest income to average assets | 0.8986% | 1,626 |
| Noninterest expense to average assets | 3.8570% | 1,235 |
| Loan and lease loss provision to assets | 0.2669% | 3,889 |
| Net operating income to assets | 1.1522% | 1,673 |
| Return on assets (ROA) | 1.1522% | 1,755 |
| Pretax return on assets | 1.5392% | 1,423 |
| Return on Equity (ROE) | 11.2713% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.2713% | 868 |
| Net charge-offs to loans | 0.2098% | 3,659 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 12.3030% | 1,576 |
| Efficiency ratio | 68.1068% | 4,705 |
| Assets per employee ($millions) | 2.9436% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,437 |
| Loan loss allowance to noncurrent loans | 171.6854% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,267 |
| Noncurrent loans to loans | 0.7065% | 5,921 |
| Net loans and leases to total assets | 68.1877% | 3,344 |
| Net loans and leases to deposits | 76.3873% | 4,342 |
| Net loans and leases to core deposits | 78.6933% | 4,933 |
| Total domestic deposits to total assets | 89.2659% | 1,386 |
| Equity capital to assets | 10.2278% | 3,564 |
| Core capital (leverage) ratio | 9.5080% | 3,752 |
| Tier 1 risk-based capital ratio | 11.9091% | 5,292 |
| Total risk-based capital ratio | 12.9998% | 5,393 |
| Memoranda: | ||
| Average total assets | $89,914,000 | 5,459 |
| Average earning assets | $82,883,500 | 5,402 |
| Average equity | $9,191,500 | 5,482 |
| Average total loans | $62,908,500 | 5,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 2,466 |
| Cost of funding earning assets | 0.7521% | 7,618 |
| Net interest margin | 5.0920% | 368 |
| Noninterest income to average assets | 0.9789% | 1,641 |
| Noninterest expense to average assets | 3.7780% | 1,739 |
| Loan and lease loss provision to assets | 0.3643% | 4,614 |
| Net operating income to assets | 1.0894% | 1,540 |
| Return on assets (ROA) | 1.1599% | 1,385 |
| Pretax return on assets | 1.6050% | 954 |
| Return on Equity (ROE) | 11.8066% | 1,207 |
| Retained earnings to average equity (ytd only) | 8.7941% | 527 |
| Net charge-offs to loans | 0.1378% | 5,836 |
| Credit loss provision to net charge-offs | 405.0633% | 778 |
| Earnings coverage of net charge-offs (x) | 20.8101% | 1,025 |
| Efficiency ratio | 66.8749% | 5,210 |
| Assets per employee ($millions) | 2.8573% | 6,547 |
| Cash dividends to net income (ytd only)* | 25.5152% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,516 |
| Loan loss allowance to noncurrent loans | 1,316.0714% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 7,338 |
| Noncurrent loans to loans | 0.0891% | 7,189 |
| Net loans and leases to total assets | 70.1017% | 3,233 |
| Net loans and leases to deposits | 78.4035% | 4,299 |
| Net loans and leases to core deposits | 88.9943% | 5,220 |
| Total domestic deposits to total assets | 89.4115% | 1,261 |
| Equity capital to assets | 10.2171% | 3,492 |
| Core capital (leverage) ratio | 9.4113% | 3,820 |
| Tier 1 risk-based capital ratio | 11.5621% | 5,335 |
| Total risk-based capital ratio | 12.6162% | 5,498 |
| Memoranda: | ||
| Average total assets | $87,850,600 | 5,455 |
| Average earning assets | $80,577,200 | 5,437 |
| Average equity | $8,630,800 | 5,723 |
| Average total loans | $57,320,200 | 5,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8585% | 2,635 |
| Cost of funding earning assets | 0.7926% | 7,701 |
| Net interest margin | 5.0659% | 396 |
| Noninterest income to average assets | 0.9764% | 1,682 |
| Noninterest expense to average assets | 3.7732% | 1,652 |
| Loan and lease loss provision to assets | 0.2890% | 4,666 |
| Net operating income to assets | 1.1162% | 1,687 |
| Return on assets (ROA) | 1.2091% | 1,501 |
| Pretax return on assets | 1.6912% | 986 |
| Return on Equity (ROE) | 12.4322% | 1,259 |
| Retained earnings to average equity (ytd only) | 10.3681% | 566 |
| Net charge-offs to loans | 0.1430% | 5,271 |
| Credit loss provision to net charge-offs | 316.6667% | 1,302 |
| Earnings coverage of net charge-offs (x) | 20.2661% | 1,247 |
| Efficiency ratio | 67.1085% | 5,162 |
| Assets per employee ($millions) | 2.8392% | 6,561 |
| Cash dividends to net income (ytd only)* | 16.6042% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,728 |
| Loan loss allowance to noncurrent loans | 1,647.3684% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 7,459 |
| Noncurrent loans to loans | 0.0667% | 7,337 |
| Net loans and leases to total assets | 66.1074% | 4,405 |
| Net loans and leases to deposits | 74.3170% | 5,326 |
| Net loans and leases to core deposits | 83.4264% | 6,082 |
| Total domestic deposits to total assets | 88.9533% | 1,216 |
| Equity capital to assets | 10.4996% | 3,516 |
| Core capital (leverage) ratio | 9.3957% | 4,052 |
| Tier 1 risk-based capital ratio | 12.4519% | 4,585 |
| Total risk-based capital ratio | 13.4277% | 4,762 |
| Memoranda: | ||
| Average total assets | $87,669,000 | 5,490 |
| Average earning assets | $80,404,750 | 5,482 |
| Average equity | $8,526,000 | 5,815 |
| Average total loans | $55,942,500 | 5,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 2,795 |
| Cost of funding earning assets | 0.8399% | 7,769 |
| Net interest margin | 5.0122% | 418 |
| Noninterest income to average assets | 0.9220% | 1,886 |
| Noninterest expense to average assets | 3.7378% | 1,762 |
| Loan and lease loss provision to assets | 0.2034% | 5,023 |
| Net operating income to assets | 1.1164% | 1,720 |
| Return on assets (ROA) | 1.1164% | 1,797 |
| Pretax return on assets | 1.5661% | 1,287 |
| Return on Equity (ROE) | 11.7801% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.6324% | 1,026 |
| Net charge-offs to loans | 0.0719% | 5,499 |
| Credit loss provision to net charge-offs | 450.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 39.1500% | 829 |
| Efficiency ratio | 67.8703% | 5,170 |
| Assets per employee ($millions) | 2.8655% | 6,480 |
| Cash dividends to net income (ytd only)* | 26.7206% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,166 |
| Loan loss allowance to noncurrent loans | 245.0216% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 6,759 |
| Noncurrent loans to loans | 0.4120% | 6,479 |
| Net loans and leases to total assets | 64.5674% | 4,862 |
| Net loans and leases to deposits | 72.0193% | 5,731 |
| Net loans and leases to core deposits | 80.5065% | 6,362 |
| Total domestic deposits to total assets | 89.6529% | 982 |
| Equity capital to assets | 9.8818% | 4,103 |
| Core capital (leverage) ratio | 8.8965% | 4,791 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,764 |
| Total risk-based capital ratio | 13.0867% | 4,980 |
| Memoranda: | ||
| Average total assets | $88,500,330 | 5,513 |
| Average earning assets | $80,962,670 | 5,498 |
| Average equity | $8,387,000 | 5,887 |
| Average total loans | $55,612,330 | 5,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 3,114 |
| Cost of funding earning assets | 0.8914% | 7,824 |
| Net interest margin | 4.9441% | 462 |
| Noninterest income to average assets | 0.8422% | 2,115 |
| Noninterest expense to average assets | 3.5603% | 1,953 |
| Loan and lease loss provision to assets | 0.1337% | 5,250 |
| Net operating income to assets | 1.1764% | 1,722 |
| Return on assets (ROA) | 1.1764% | 1,831 |
| Pretax return on assets | 1.6710% | 1,239 |
| Return on Equity (ROE) | 12.6725% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.6725% | 687 |
| Net charge-offs to loans | 0.1011% | 4,165 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 28.9286% | 1,086 |
| Efficiency ratio | 66.3621% | 5,255 |
| Assets per employee ($millions) | 2.9034% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 6,696 |
| Loan loss allowance to noncurrent loans | 282.8729% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,870 |
| Noncurrent loans to loans | 0.3220% | 6,637 |
| Net loans and leases to total assets | 61.8881% | 5,350 |
| Net loans and leases to deposits | 68.7759% | 6,101 |
| Net loans and leases to core deposits | 77.5236% | 6,569 |
| Total domestic deposits to total assets | 89.9851% | 806 |
| Equity capital to assets | 9.4360% | 4,764 |
| Core capital (leverage) ratio | 8.5551% | 5,422 |
| Tier 1 risk-based capital ratio | 12.0032% | 4,967 |
| Total risk-based capital ratio | 12.8130% | 5,247 |
| Memoranda: | ||
| Average total assets | $89,767,500 | 5,495 |
| Average earning assets | $82,118,500 | 5,482 |
| Average equity | $8,333,000 | 5,942 |
| Average total loans | $55,382,500 | 5,572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 3,011 |
| Cost of funding earning assets | 1.5169% | 7,580 |
| Net interest margin | 4.9731% | 544 |
| Noninterest income to average assets | 0.9338% | 1,840 |
| Noninterest expense to average assets | 3.8008% | 1,752 |
| Loan and lease loss provision to assets | 0.1734% | 5,169 |
| Net operating income to assets | 1.0557% | 2,329 |
| Return on assets (ROA) | 1.0557% | 2,227 |
| Pretax return on assets | 1.5064% | 1,665 |
| Return on Equity (ROE) | 11.4643% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.6988% | 656 |
| Net charge-offs to loans | 0.3343% | 3,167 |
| Credit loss provision to net charge-offs | 81.9209% | 5,862 |
| Earnings coverage of net charge-offs (x) | 7.9379% | 2,986 |
| Efficiency ratio | 69.3499% | 4,468 |
| Assets per employee ($millions) | 2.7978% | 6,563 |
| Cash dividends to net income (ytd only)* | 24.1223% | 4,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,623 |
| Loan loss allowance to noncurrent loans | 241.9512% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,656 |
| Noncurrent loans to loans | 0.3758% | 6,228 |
| Net loans and leases to total assets | 60.3760% | 5,855 |
| Net loans and leases to deposits | 66.7350% | 6,591 |
| Net loans and leases to core deposits | 75.1627% | 6,906 |
| Total domestic deposits to total assets | 90.4712% | 504 |
| Equity capital to assets | 9.1289% | 5,181 |
| Core capital (leverage) ratio | 8.1687% | 6,222 |
| Tier 1 risk-based capital ratio | 12.1040% | 4,735 |
| Total risk-based capital ratio | 12.9236% | 4,976 |
| Memoranda: | ||
| Average total assets | $83,640,600 | 5,576 |
| Average earning assets | $76,471,000 | 5,568 |
| Average equity | $7,702,200 | 6,211 |
| Average total loans | $52,941,200 | 5,585 |