Home > Jersey State Bank > Performance and Condition Ratios
Jersey State Bank, Performance and Condition Ratios
| 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 | 4.2802% | 4,095 |
| Cost of funding earning assets | 1.3448% | 3,608 |
| Net interest margin | 2.9355% | 3,258 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.3473% | 2,723 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.7398% | 2,855 |
| Return on assets (ROA) | 0.7388% | 2,881 |
| Pretax return on assets | 0.8536% | 2,937 |
| Return on Equity (ROE) | 7.1900% | 2,973 |
| Retained earnings to average equity (ytd only) | 3.2641% | 2,932 |
| Net charge-offs to loans | -0.0112% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 71.7476% | 1,793 |
| Assets per employee ($millions) | 6.5075% | 2,501 |
| Cash dividends to net income (ytd only)* | 54.6311% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,292 |
| Loan loss allowance to noncurrent loans | 82.2845% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 857 |
| Noncurrent loans to loans | 1.7048% | 513 |
| Net loans and leases to total assets | 48.1200% | 3,720 |
| Net loans and leases to deposits | 54.5931% | 3,774 |
| Net loans and leases to core deposits | 56.9075% | 3,857 |
| Total domestic deposits to total assets | 88.1500% | 1,458 |
| Equity capital to assets | 9.8985% | 2,191 |
| Core capital (leverage) ratio | 13.7478% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $172,450,600 | 3,188 |
| Average earning assets | $160,248,000 | 3,173 |
| Average equity | $17,707,600 | 3,122 |
| Average total loans | $80,338,200 | 3,408 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 4,152 |
| Cost of funding earning assets | 1.2226% | 3,786 |
| Net interest margin | 2.9881% | 3,116 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 2.3452% | 2,674 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.7773% | 2,765 |
| Return on assets (ROA) | 0.7753% | 2,777 |
| Pretax return on assets | 0.9019% | 2,794 |
| Return on Equity (ROE) | 7.4800% | 2,897 |
| Retained earnings to average equity (ytd only) | 4.8725% | 2,521 |
| Net charge-offs to loans | -0.0068% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.6529% | 1,944 |
| Assets per employee ($millions) | 7.1361% | 2,048 |
| Cash dividends to net income (ytd only)* | 34.8697% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,525 |
| Loan loss allowance to noncurrent loans | 77.6200% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 815 |
| Noncurrent loans to loans | 1.7366% | 496 |
| Net loans and leases to total assets | 47.0900% | 3,773 |
| Net loans and leases to deposits | 53.8526% | 3,821 |
| Net loans and leases to core deposits | 56.0895% | 3,902 |
| Total domestic deposits to total assets | 87.4500% | 1,440 |
| Equity capital to assets | 10.8003% | 1,831 |
| Core capital (leverage) ratio | 13.7987% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $171,637,500 | 3,189 |
| Average earning assets | $159,653,750 | 3,181 |
| Average equity | $17,786,500 | 3,113 |
| Average total loans | $78,983,000 | 3,436 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 4,161 |
| Cost of funding earning assets | 1.1586% | 3,843 |
| Net interest margin | 3.0071% | 3,036 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.3107% | 2,762 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.8007% | 2,622 |
| Return on assets (ROA) | 0.7947% | 2,664 |
| Pretax return on assets | 0.9269% | 2,691 |
| Return on Equity (ROE) | 7.7800% | 2,802 |
| Retained earnings to average equity (ytd only) | 3.7588% | 2,807 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.6937% | 2,152 |
| Assets per employee ($millions) | 6.4409% | 2,454 |
| Cash dividends to net income (ytd only)* | 51.7088% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,258 |
| Loan loss allowance to noncurrent loans | 81.1816% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 784 |
| Noncurrent loans to loans | 1.7707% | 448 |
| Net loans and leases to total assets | 45.5700% | 3,850 |
| Net loans and leases to deposits | 51.8956% | 3,900 |
| Net loans and leases to core deposits | 55.4169% | 3,924 |
| Total domestic deposits to total assets | 87.8100% | 1,385 |
| Equity capital to assets | 10.2165% | 1,961 |
| Core capital (leverage) ratio | 14.0657% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $169,382,333 | 3,214 |
| Average earning assets | $157,429,333 | 3,206 |
| Average equity | $17,292,667 | 3,130 |
| Average total loans | $76,922,333 | 3,475 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 4,215 |
| Cost of funding earning assets | 1.1020% | 3,883 |
| Net interest margin | 2.9547% | 3,079 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 2.2496% | 2,939 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.7981% | 2,544 |
| Return on assets (ROA) | 0.7960% | 2,567 |
| Pretax return on assets | 0.9299% | 2,586 |
| Return on Equity (ROE) | 7.8000% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,600 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.1697% | 2,251 |
| Assets per employee ($millions) | 6.7923% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,379 |
| Loan loss allowance to noncurrent loans | 199.0809% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,826 |
| Noncurrent loans to loans | 0.7052% | 1,260 |
| Net loans and leases to total assets | 44.7900% | 3,863 |
| Net loans and leases to deposits | 50.8056% | 3,892 |
| Net loans and leases to core deposits | 53.9662% | 3,973 |
| Total domestic deposits to total assets | 88.1600% | 1,371 |
| Equity capital to assets | 10.1556% | 1,912 |
| Core capital (leverage) ratio | 14.1171% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $170,341,500 | 3,207 |
| Average earning assets | $158,256,000 | 3,199 |
| Average equity | $17,384,500 | 3,137 |
| Average total loans | $76,670,000 | 3,480 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 4,069 |
| Cost of funding earning assets | 0.7294% | 3,881 |
| Net interest margin | 3.1855% | 2,914 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.2344% | 3,028 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9266% | 2,462 |
| Return on assets (ROA) | 0.9329% | 2,412 |
| Pretax return on assets | 1.1095% | 2,384 |
| Return on Equity (ROE) | 10.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.9061% | 2,283 |
| Net charge-offs to loans | 0.0679% | 1,174 |
| Credit loss provision to net charge-offs | 322.0000% | 915 |
| Earnings coverage of net charge-offs (x) | 42.5400% | 1,405 |
| Efficiency ratio | 64.7614% | 2,514 |
| Assets per employee ($millions) | 7.1198% | 1,992 |
| Cash dividends to net income (ytd only)* | 42.6471% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,460 |
| Loan loss allowance to noncurrent loans | 767.8832% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,009 |
| Noncurrent loans to loans | 0.1798% | 2,616 |
| Net loans and leases to total assets | 43.9800% | 3,901 |
| Net loans and leases to deposits | 50.0713% | 3,948 |
| Net loans and leases to core deposits | 52.9497% | 4,003 |
| Total domestic deposits to total assets | 87.8300% | 1,408 |
| Equity capital to assets | 10.2554% | 1,867 |
| Core capital (leverage) ratio | 13.0786% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $174,943,400 | 3,166 |
| Average earning assets | $162,330,200 | 3,152 |
| Average equity | $15,848,000 | 3,199 |
| Average total loans | $73,614,800 | 3,501 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,156 |
| Cost of funding earning assets | 0.6279% | 3,926 |
| Net interest margin | 3.1224% | 3,100 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.1906% | 3,107 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9322% | 2,574 |
| Return on assets (ROA) | 0.9373% | 2,546 |
| Pretax return on assets | 1.1101% | 2,538 |
| Return on Equity (ROE) | 10.6900% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.6823% | 2,083 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.6611% | 2,424 |
| Assets per employee ($millions) | 7.3576% | 1,721 |
| Cash dividends to net income (ytd only)* | 28.1326% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 1,737 |
| Loan loss allowance to noncurrent loans | 576.8362% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 2,938 |
| Noncurrent loans to loans | 0.2307% | 2,425 |
| Net loans and leases to total assets | 41.1600% | 4,015 |
| Net loans and leases to deposits | 45.2315% | 4,074 |
| Net loans and leases to core deposits | 46.9325% | 4,109 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 7.5546% | 3,322 |
| Core capital (leverage) ratio | 13.0339% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $175,960,500 | 3,170 |
| Average earning assets | $163,291,000 | 3,156 |
| Average equity | $15,429,000 | 3,216 |
| Average total loans | $72,967,750 | 3,516 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,189 |
| Cost of funding earning assets | 0.5532% | 3,874 |
| Net interest margin | 3.1006% | 3,224 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.1685% | 3,174 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9765% | 2,499 |
| Return on assets (ROA) | 0.9833% | 2,458 |
| Pretax return on assets | 1.1737% | 2,433 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | 6.3237% | 2,506 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.9768% | 2,493 |
| Assets per employee ($millions) | 7.1902% | 1,793 |
| Cash dividends to net income (ytd only)* | 40.8451% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,829 |
| Loan loss allowance to noncurrent loans | 611.1111% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,878 |
| Noncurrent loans to loans | 0.2164% | 2,402 |
| Net loans and leases to total assets | 42.8100% | 3,928 |
| Net loans and leases to deposits | 48.0363% | 3,990 |
| Net loans and leases to core deposits | 50.0525% | 4,020 |
| Total domestic deposits to total assets | 89.1200% | 1,211 |
| Equity capital to assets | 9.1885% | 2,381 |
| Core capital (leverage) ratio | 13.3154% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $173,300,667 | 3,192 |
| Average earning assets | $160,872,333 | 3,186 |
| Average equity | $15,940,000 | 3,195 |
| Average total loans | $71,715,667 | 3,532 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 4,298 |
| Cost of funding earning assets | 0.4486% | 3,838 |
| Net interest margin | 3.0189% | 3,551 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.1121% | 3,354 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0172% | 2,478 |
| Return on assets (ROA) | 1.0249% | 2,419 |
| Pretax return on assets | 1.2230% | 2,370 |
| Return on Equity (ROE) | 11.1400% | 2,456 |
| Retained earnings to average equity (ytd only) | 11.1375% | 1,441 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7223% | 2,608 |
| Assets per employee ($millions) | 7.2516% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,977 |
| Loan loss allowance to noncurrent loans | 591.9753% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 2,881 |
| Noncurrent loans to loans | 0.2217% | 2,374 |
| Net loans and leases to total assets | 41.4400% | 3,978 |
| Net loans and leases to deposits | 46.6029% | 4,011 |
| Net loans and leases to core deposits | 48.6131% | 4,033 |
| Total domestic deposits to total assets | 88.9200% | 1,573 |
| Equity capital to assets | 9.5295% | 2,117 |
| Core capital (leverage) ratio | 13.3772% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $173,669,000 | 3,233 |
| Average earning assets | $161,381,500 | 3,225 |
| Average equity | $15,982,000 | 3,217 |
| Average total loans | $70,140,000 | 3,601 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0295% | 4,098 |
| Cost of funding earning assets | 0.1700% | 3,999 |
| Net interest margin | 2.8595% | 3,770 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0915% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9156% | 2,893 |
| Return on assets (ROA) | 0.8820% | 2,976 |
| Pretax return on assets | 1.0121% | 3,041 |
| Return on Equity (ROE) | 8.9500% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.3249% | 2,910 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5614% | 2,137 |
| Assets per employee ($millions) | 6.9320% | 2,020 |
| Cash dividends to net income (ytd only)* | 40.5000% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,700 |
| Loan loss allowance to noncurrent loans | 464.2424% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 2,879 |
| Noncurrent loans to loans | 0.2455% | 2,296 |
| Net loans and leases to total assets | 38.3400% | 4,132 |
| Net loans and leases to deposits | 42.8482% | 4,152 |
| Net loans and leases to core deposits | 43.7630% | 4,186 |
| Total domestic deposits to total assets | 89.4700% | 1,574 |
| Equity capital to assets | 8.8743% | 2,438 |
| Core capital (leverage) ratio | 12.9998% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $181,402,600 | 3,177 |
| Average earning assets | $170,029,000 | 3,156 |
| Average equity | $17,878,200 | 3,133 |
| Average total loans | $62,645,800 | 3,685 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8964% | 4,063 |
| Cost of funding earning assets | 0.1617% | 3,718 |
| Net interest margin | 2.7347% | 3,864 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.0578% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8682% | 3,010 |
| Return on assets (ROA) | 0.8657% | 2,989 |
| Pretax return on assets | 0.9915% | 3,042 |
| Return on Equity (ROE) | 8.5800% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.2475% | 2,654 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4208% | 2,099 |
| Assets per employee ($millions) | 7.4029% | 1,676 |
| Cash dividends to net income (ytd only)* | 27.2040% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,703 |
| Loan loss allowance to noncurrent loans | 472.8395% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,056 |
| Noncurrent loans to loans | 0.2472% | 2,394 |
| Net loans and leases to total assets | 35.0000% | 4,269 |
| Net loans and leases to deposits | 38.3459% | 4,295 |
| Net loans and leases to core deposits | 39.0936% | 4,309 |
| Total domestic deposits to total assets | 91.2800% | 1,130 |
| Equity capital to assets | 7.3944% | 3,272 |
| Core capital (leverage) ratio | 12.4516% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $183,428,500 | 3,182 |
| Average earning assets | $172,302,750 | 3,153 |
| Average equity | $18,503,000 | 3,113 |
| Average total loans | $61,506,500 | 3,725 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7540% | 4,061 |
| Cost of funding earning assets | 0.1648% | 3,380 |
| Net interest margin | 2.5892% | 3,932 |
| Noninterest income to average assets | 0.4877% | 2,265 |
| Noninterest expense to average assets | 2.0757% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7640% | 3,093 |
| Return on assets (ROA) | 0.7601% | 3,068 |
| Pretax return on assets | 0.8475% | 3,212 |
| Return on Equity (ROE) | 6.9123% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.6899% | 3,209 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9003% | 1,841 |
| Assets per employee ($millions) | 7.6840% | 1,491 |
| Cash dividends to net income (ytd only)* | 46.6187% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,703 |
| Loan loss allowance to noncurrent loans | 472.8395% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,106 |
| Noncurrent loans to loans | 0.2528% | 2,467 |
| Net loans and leases to total assets | 34.3378% | 4,317 |
| Net loans and leases to deposits | 38.2486% | 4,324 |
| Net loans and leases to core deposits | 38.6035% | 4,364 |
| Total domestic deposits to total assets | 89.7752% | 1,807 |
| Equity capital to assets | 8.8198% | 2,521 |
| Core capital (leverage) ratio | 12.4260% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,880,667 | 3,218 |
| Average earning assets | $172,329,000 | 3,195 |
| Average equity | $20,109,000 | 3,061 |
| Average total loans | $60,160,000 | 3,779 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5460% | 4,204 |
| Cost of funding earning assets | 0.1741% | 3,170 |
| Net interest margin | 2.3720% | 4,123 |
| Noninterest income to average assets | 0.5579% | 1,873 |
| Noninterest expense to average assets | 2.0910% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6522% | 3,223 |
| Return on assets (ROA) | 0.6501% | 3,208 |
| Pretax return on assets | 0.7094% | 3,362 |
| Return on Equity (ROE) | 5.3742% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.3742% | 2,452 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6082% | 1,674 |
| Assets per employee ($millions) | 6.5568% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,251 |
| Loan loss allowance to noncurrent loans | 346.6063% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,976 |
| Noncurrent loans to loans | 0.3813% | 2,125 |
| Net loans and leases to total assets | 31.1560% | 4,413 |
| Net loans and leases to deposits | 35.4705% | 4,401 |
| Net loans and leases to core deposits | 35.8637% | 4,429 |
| Total domestic deposits to total assets | 87.8364% | 2,606 |
| Equity capital to assets | 10.9353% | 1,361 |
| Core capital (leverage) ratio | 12.7158% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,113,500 | 3,233 |
| Average earning assets | $172,346,000 | 3,207 |
| Average equity | $22,031,000 | 2,988 |
| Average total loans | $58,195,000 | 3,822 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8330% | 4,157 |
| Cost of funding earning assets | 0.2097% | 3,370 |
| Net interest margin | 2.6233% | 4,015 |
| Noninterest income to average assets | 0.7105% | 1,727 |
| Noninterest expense to average assets | 2.1810% | 3,145 |
| Loan and lease loss provision to assets | 0.0066% | 2,943 |
| Net operating income to assets | 0.8501% | 3,188 |
| Return on assets (ROA) | 0.8543% | 3,242 |
| Pretax return on assets | 1.0123% | 3,231 |
| Return on Equity (ROE) | 6.4707% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,303 |
| Net charge-offs to loans | 0.0684% | 1,109 |
| Credit loss provision to net charge-offs | 28.5714% | 2,242 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,376 |
| Efficiency ratio | 68.2638% | 1,942 |
| Assets per employee ($millions) | 6.4514% | 2,367 |
| Cash dividends to net income (ytd only)* | 41.6185% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,311 |
| Loan loss allowance to noncurrent loans | 308.8710% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 2,981 |
| Noncurrent loans to loans | 0.4245% | 2,078 |
| Net loans and leases to total assets | 31.9196% | 4,449 |
| Net loans and leases to deposits | 37.4894% | 4,429 |
| Net loans and leases to core deposits | 37.8256% | 4,463 |
| Total domestic deposits to total assets | 85.1432% | 3,224 |
| Equity capital to assets | 13.2785% | 826 |
| Core capital (leverage) ratio | 12.0586% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,258,800 | 3,194 |
| Average earning assets | $172,607,400 | 3,156 |
| Average equity | $24,062,200 | 2,911 |
| Average total loans | $61,431,400 | 3,790 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 4,115 |
| Cost of funding earning assets | 0.2136% | 3,477 |
| Net interest margin | 2.7195% | 3,934 |
| Noninterest income to average assets | 0.6803% | 1,889 |
| Noninterest expense to average assets | 2.1912% | 3,096 |
| Loan and lease loss provision to assets | 0.0066% | 2,847 |
| Net operating income to assets | 0.8846% | 3,294 |
| Return on assets (ROA) | 0.8883% | 3,356 |
| Pretax return on assets | 1.0606% | 3,297 |
| Return on Equity (ROE) | 6.7381% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.9442% | 3,240 |
| Net charge-offs to loans | 0.1072% | 707 |
| Credit loss provision to net charge-offs | 18.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 29.1200% | 1,542 |
| Efficiency ratio | 67.3396% | 1,923 |
| Assets per employee ($millions) | 6.1935% | 2,510 |
| Cash dividends to net income (ytd only)* | 26.6228% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,428 |
| Loan loss allowance to noncurrent loans | 304.4355% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 3,193 |
| Noncurrent loans to loans | 0.4310% | 2,265 |
| Net loans and leases to total assets | 31.6150% | 4,548 |
| Net loans and leases to deposits | 37.2076% | 4,539 |
| Net loans and leases to core deposits | 37.4802% | 4,582 |
| Total domestic deposits to total assets | 84.9692% | 3,125 |
| Equity capital to assets | 13.5933% | 827 |
| Core capital (leverage) ratio | 12.3212% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,664,000 | 3,223 |
| Average earning assets | $172,871,500 | 3,190 |
| Average equity | $24,081,250 | 2,937 |
| Average total loans | $62,183,000 | 3,833 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 4,391 |
| Cost of funding earning assets | 0.2163% | 3,587 |
| Net interest margin | 2.5503% | 4,248 |
| Noninterest income to average assets | 0.7186% | 1,750 |
| Noninterest expense to average assets | 2.1777% | 3,163 |
| Loan and lease loss provision to assets | 0.0065% | 2,775 |
| Net operating income to assets | 0.8064% | 3,490 |
| Return on assets (ROA) | 0.8101% | 3,549 |
| Pretax return on assets | 0.9527% | 3,540 |
| Return on Equity (ROE) | 6.2078% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.5044% | 3,686 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5169% | 1,701 |
| Assets per employee ($millions) | 6.1261% | 2,496 |
| Cash dividends to net income (ytd only)* | 43.5484% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,406 |
| Loan loss allowance to noncurrent loans | 269.1275% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,179 |
| Noncurrent loans to loans | 0.4852% | 2,224 |
| Net loans and leases to total assets | 32.9795% | 4,564 |
| Net loans and leases to deposits | 38.6500% | 4,559 |
| Net loans and leases to core deposits | 38.9251% | 4,602 |
| Total domestic deposits to total assets | 85.3284% | 2,977 |
| Equity capital to assets | 13.0403% | 931 |
| Core capital (leverage) ratio | 12.2176% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,681,667 | 3,220 |
| Average earning assets | $173,859,667 | 3,185 |
| Average equity | $23,970,000 | 2,939 |
| Average total loans | $63,731,000 | 3,835 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6605% | 4,516 |
| Cost of funding earning assets | 0.2211% | 3,717 |
| Net interest margin | 2.4394% | 4,376 |
| Noninterest income to average assets | 0.7493% | 1,714 |
| Noninterest expense to average assets | 2.1282% | 3,334 |
| Loan and lease loss provision to assets | 0.0065% | 2,683 |
| Net operating income to assets | 0.7852% | 3,470 |
| Return on assets (ROA) | 0.7907% | 3,523 |
| Pretax return on assets | 0.9280% | 3,541 |
| Return on Equity (ROE) | 6.0571% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.0571% | 2,877 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6365% | 1,744 |
| Assets per employee ($millions) | 6.2543% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,658 |
| Loan loss allowance to noncurrent loans | 223.8095% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,216 |
| Noncurrent loans to loans | 0.5591% | 2,182 |
| Net loans and leases to total assets | 33.6030% | 4,589 |
| Net loans and leases to deposits | 40.2016% | 4,561 |
| Net loans and leases to core deposits | 40.4458% | 4,611 |
| Total domestic deposits to total assets | 83.5862% | 3,550 |
| Equity capital to assets | 12.7720% | 974 |
| Core capital (leverage) ratio | 12.3996% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,630,500 | 3,218 |
| Average earning assets | $173,650,500 | 3,180 |
| Average equity | $23,972,000 | 2,932 |
| Average total loans | $64,890,000 | 3,830 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 4,399 |
| Cost of funding earning assets | 0.4466% | 3,300 |
| Net interest margin | 2.7976% | 4,270 |
| Noninterest income to average assets | 0.9300% | 1,197 |
| Noninterest expense to average assets | 2.3736% | 3,195 |
| Loan and lease loss provision to assets | 0.0342% | 3,975 |
| Net operating income to assets | 0.9997% | 2,292 |
| Return on assets (ROA) | 1.0039% | 2,418 |
| Pretax return on assets | 1.1534% | 2,503 |
| Return on Equity (ROE) | 7.2976% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.6773% | 2,432 |
| Net charge-offs to loans | -0.0060% | 4,174 |
| Credit loss provision to net charge-offs | -1,425.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7399% | 2,403 |
| Assets per employee ($millions) | 5.6135% | 2,728 |
| Cash dividends to net income (ytd only)* | 35.9066% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,905 |
| Loan loss allowance to noncurrent loans | 188.6256% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,115 |
| Noncurrent loans to loans | 0.6401% | 2,083 |
| Net loans and leases to total assets | 36.2608% | 4,582 |
| Net loans and leases to deposits | 43.9612% | 4,528 |
| Net loans and leases to core deposits | 44.1181% | 4,595 |
| Total domestic deposits to total assets | 82.4836% | 3,541 |
| Equity capital to assets | 13.3495% | 983 |
| Core capital (leverage) ratio | 12.3474% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,457,400 | 3,226 |
| Average earning assets | $156,278,000 | 3,202 |
| Average equity | $22,898,000 | 2,946 |
| Average total loans | $66,213,600 | 3,806 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3450% | 4,419 |
| Cost of funding earning assets | 0.5003% | 3,224 |
| Net interest margin | 2.8448% | 4,272 |
| Noninterest income to average assets | 0.8498% | 1,350 |
| Noninterest expense to average assets | 2.3828% | 3,189 |
| Loan and lease loss provision to assets | 0.0221% | 4,055 |
| Net operating income to assets | 0.9462% | 2,538 |
| Return on assets (ROA) | 0.9504% | 2,656 |
| Pretax return on assets | 1.1171% | 2,686 |
| Return on Equity (ROE) | 6.8528% | 3,255 |
| Retained earnings to average equity (ytd only) | 5.0851% | 2,523 |
| Net charge-offs to loans | -0.0060% | 4,096 |
| Credit loss provision to net charge-offs | -900.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7509% | 2,225 |
| Assets per employee ($millions) | 5.8909% | 2,358 |
| Cash dividends to net income (ytd only)* | 25.7954% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,272 |
| Loan loss allowance to noncurrent loans | 174.6575% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,284 |
| Noncurrent loans to loans | 0.6222% | 2,242 |
| Net loans and leases to total assets | 36.9395% | 4,645 |
| Net loans and leases to deposits | 44.1666% | 4,657 |
| Net loans and leases to core deposits | 44.4004% | 4,701 |
| Total domestic deposits to total assets | 83.6368% | 2,946 |
| Equity capital to assets | 12.6281% | 1,366 |
| Core capital (leverage) ratio | 12.1988% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,163,750 | 3,238 |
| Average earning assets | $152,979,000 | 3,212 |
| Average equity | $22,627,500 | 2,969 |
| Average total loans | $66,284,000 | 3,823 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 4,462 |
| Cost of funding earning assets | 0.5452% | 3,266 |
| Net interest margin | 2.9154% | 4,284 |
| Noninterest income to average assets | 0.8053% | 1,416 |
| Noninterest expense to average assets | 2.5647% | 2,781 |
| Loan and lease loss provision to assets | 0.0078% | 4,094 |
| Net operating income to assets | 0.8412% | 2,892 |
| Return on assets (ROA) | 0.8480% | 2,988 |
| Pretax return on assets | 0.9643% | 3,134 |
| Return on Equity (ROE) | 5.9006% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.2022% | 3,305 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6740% | 1,604 |
| Assets per employee ($millions) | 5.4571% | 2,682 |
| Cash dividends to net income (ytd only)* | 45.7317% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,242 |
| Loan loss allowance to noncurrent loans | 100.9537% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 2,621 |
| Noncurrent loans to loans | 1.0576% | 1,474 |
| Net loans and leases to total assets | 39.3196% | 4,634 |
| Net loans and leases to deposits | 47.6883% | 4,602 |
| Net loans and leases to core deposits | 48.0514% | 4,663 |
| Total domestic deposits to total assets | 82.4513% | 3,255 |
| Equity capital to assets | 13.2882% | 1,044 |
| Core capital (leverage) ratio | 13.1204% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,715,667 | 3,307 |
| Average earning assets | $144,542,333 | 3,287 |
| Average equity | $22,235,000 | 2,983 |
| Average total loans | $64,912,333 | 3,855 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,370 |
| Cost of funding earning assets | 0.5916% | 3,477 |
| Net interest margin | 3.1214% | 4,047 |
| Noninterest income to average assets | 0.7240% | 1,552 |
| Noninterest expense to average assets | 2.6527% | 2,829 |
| Loan and lease loss provision to assets | 0.0083% | 3,655 |
| Net operating income to assets | 0.8594% | 2,663 |
| Return on assets (ROA) | 0.8594% | 2,766 |
| Pretax return on assets | 0.9644% | 2,950 |
| Return on Equity (ROE) | 5.7195% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.7195% | 1,989 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1707% | 1,922 |
| Assets per employee ($millions) | 4.6126% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,745 |
| Loan loss allowance to noncurrent loans | 118.0800% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 2,714 |
| Noncurrent loans to loans | 1.0037% | 1,651 |
| Net loans and leases to total assets | 43.0300% | 4,548 |
| Net loans and leases to deposits | 51.6478% | 4,534 |
| Net loans and leases to core deposits | 52.1225% | 4,624 |
| Total domestic deposits to total assets | 83.3143% | 3,013 |
| Equity capital to assets | 14.9940% | 762 |
| Core capital (leverage) ratio | 14.5786% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,759,500 | 3,401 |
| Average earning assets | $134,557,000 | 3,387 |
| Average equity | $21,750,000 | 3,012 |
| Average total loans | $62,666,500 | 3,909 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 4,679 |
| Cost of funding earning assets | 0.6129% | 3,584 |
| Net interest margin | 3.0870% | 4,388 |
| Noninterest income to average assets | 0.5729% | 2,354 |
| Noninterest expense to average assets | 2.3448% | 3,833 |
| Loan and lease loss provision to assets | 0.0081% | 3,844 |
| Net operating income to assets | 0.9501% | 3,018 |
| Return on assets (ROA) | 0.9771% | 3,000 |
| Pretax return on assets | 1.1228% | 3,102 |
| Return on Equity (ROE) | 6.8277% | 3,618 |
| Retained earnings to average equity (ytd only) | 3.9985% | 2,964 |
| Net charge-offs to loans | 0.0017% | 3,654 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 1,630.0000% | 49 |
| Efficiency ratio | 68.0705% | 2,447 |
| Assets per employee ($millions) | 4.5790% | 3,108 |
| Cash dividends to net income (ytd only)* | 41.4365% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,614 |
| Loan loss allowance to noncurrent loans | 125.8562% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 2,805 |
| Noncurrent loans to loans | 0.9260% | 1,654 |
| Net loans and leases to total assets | 42.5386% | 4,658 |
| Net loans and leases to deposits | 51.2700% | 4,634 |
| Net loans and leases to core deposits | 51.7287% | 4,715 |
| Total domestic deposits to total assets | 82.9698% | 3,201 |
| Equity capital to assets | 15.0551% | 777 |
| Core capital (leverage) ratio | 14.0815% | 910 |
| Tier 1 risk-based capital ratio | 25.3132% | 729 |
| Total risk-based capital ratio | 26.1993% | 739 |
| Memoranda: | ||
| Average total assets | $148,199,600 | 3,323 |
| Average earning assets | $137,869,200 | 3,313 |
| Average equity | $21,207,800 | 3,021 |
| Average total loans | $58,924,400 | 4,004 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 4,801 |
| Cost of funding earning assets | 0.6108% | 3,642 |
| Net interest margin | 3.0711% | 4,521 |
| Noninterest income to average assets | 0.5535% | 2,443 |
| Noninterest expense to average assets | 2.3882% | 3,722 |
| Loan and lease loss provision to assets | 0.0081% | 3,725 |
| Net operating income to assets | 0.8971% | 3,356 |
| Return on assets (ROA) | 0.8971% | 3,430 |
| Pretax return on assets | 1.0129% | 3,548 |
| Return on Equity (ROE) | 6.3506% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.4454% | 3,170 |
| Net charge-offs to loans | 0.0069% | 3,126 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 379.3250% | 263 |
| Efficiency ratio | 70.0526% | 2,110 |
| Assets per employee ($millions) | 4.9973% | 2,568 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,240 |
| Loan loss allowance to noncurrent loans | 107.6696% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 2,772 |
| Noncurrent loans to loans | 1.1605% | 1,362 |
| Net loans and leases to total assets | 37.2399% | 4,891 |
| Net loans and leases to deposits | 44.2263% | 4,906 |
| Net loans and leases to core deposits | 44.5074% | 4,948 |
| Total domestic deposits to total assets | 84.2032% | 2,750 |
| Equity capital to assets | 14.1870% | 1,081 |
| Core capital (leverage) ratio | 13.7641% | 1,050 |
| Tier 1 risk-based capital ratio | 25.9591% | 709 |
| Total risk-based capital ratio | 26.8681% | 717 |
| Memoranda: | ||
| Average total assets | $148,617,500 | 3,352 |
| Average earning assets | $138,186,000 | 3,337 |
| Average equity | $20,994,750 | 3,063 |
| Average total loans | $57,889,000 | 4,065 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,847 |
| Cost of funding earning assets | 0.6001% | 3,653 |
| Net interest margin | 3.0825% | 4,565 |
| Noninterest income to average assets | 0.5310% | 2,499 |
| Noninterest expense to average assets | 2.4065% | 3,718 |
| Loan and lease loss provision to assets | 0.0082% | 3,574 |
| Net operating income to assets | 0.8777% | 3,371 |
| Return on assets (ROA) | 0.8777% | 3,436 |
| Pretax return on assets | 0.9842% | 3,601 |
| Return on Equity (ROE) | 6.2225% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.3193% | 3,566 |
| Net charge-offs to loans | -0.0069% | 4,215 |
| Credit loss provision to net charge-offs | -300.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8032% | 2,097 |
| Assets per employee ($millions) | 4.9389% | 2,551 |
| Cash dividends to net income (ytd only)* | 46.6563% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,182 |
| Loan loss allowance to noncurrent loans | 98.3871% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 2,536 |
| Noncurrent loans to loans | 1.2822% | 1,234 |
| Net loans and leases to total assets | 38.6695% | 4,887 |
| Net loans and leases to deposits | 46.1483% | 4,894 |
| Net loans and leases to core deposits | 46.4540% | 4,944 |
| Total domestic deposits to total assets | 83.7939% | 2,951 |
| Equity capital to assets | 14.4183% | 975 |
| Core capital (leverage) ratio | 13.9608% | 975 |
| Tier 1 risk-based capital ratio | 25.3235% | 725 |
| Total risk-based capital ratio | 26.2281% | 741 |
| Memoranda: | ||
| Average total assets | $146,517,670 | 3,395 |
| Average earning assets | $136,319,000 | 3,386 |
| Average equity | $20,667,000 | 3,086 |
| Average total loans | $57,711,670 | 4,094 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 4,955 |
| Cost of funding earning assets | 0.5669% | 3,752 |
| Net interest margin | 3.0469% | 4,676 |
| Noninterest income to average assets | 0.5216% | 2,427 |
| Noninterest expense to average assets | 2.3529% | 3,889 |
| Loan and lease loss provision to assets | 0.0082% | 3,330 |
| Net operating income to assets | 0.8813% | 3,306 |
| Return on assets (ROA) | 0.8813% | 3,358 |
| Pretax return on assets | 0.9939% | 3,453 |
| Return on Equity (ROE) | 6.3192% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,313 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1309% | 2,316 |
| Assets per employee ($millions) | 5.0269% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,161 |
| Loan loss allowance to noncurrent loans | 104.0057% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,690 |
| Noncurrent loans to loans | 1.2356% | 1,333 |
| Net loans and leases to total assets | 38.3084% | 4,947 |
| Net loans and leases to deposits | 45.5685% | 4,941 |
| Net loans and leases to core deposits | 45.8739% | 4,992 |
| Total domestic deposits to total assets | 84.0678% | 3,029 |
| Equity capital to assets | 14.2852% | 942 |
| Core capital (leverage) ratio | 14.1549% | 910 |
| Tier 1 risk-based capital ratio | 26.1165% | 679 |
| Total risk-based capital ratio | 27.0441% | 686 |
| Memoranda: | ||
| Average total assets | $145,693,500 | 3,438 |
| Average earning assets | $135,483,000 | 3,434 |
| Average equity | $20,319,000 | 3,126 |
| Average total loans | $57,554,000 | 4,141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 4,806 |
| Cost of funding earning assets | 0.4396% | 3,745 |
| Net interest margin | 3.1535% | 4,571 |
| Noninterest income to average assets | 0.6135% | 2,224 |
| Noninterest expense to average assets | 2.4639% | 3,716 |
| Loan and lease loss provision to assets | 0.0160% | 3,832 |
| Net operating income to assets | 0.9945% | 3,033 |
| Return on assets (ROA) | 0.9945% | 3,028 |
| Pretax return on assets | 1.0724% | 3,365 |
| Return on Equity (ROE) | 7.6781% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.5924% | 3,001 |
| Net charge-offs to loans | -0.2513% | 5,290 |
| Credit loss provision to net charge-offs | -16.1074% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3606% | 2,317 |
| Assets per employee ($millions) | 4.5502% | 3,085 |
| Cash dividends to net income (ytd only)* | 40.1875% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,367 |
| Loan loss allowance to noncurrent loans | 111.5562% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,964 |
| Noncurrent loans to loans | 1.1087% | 1,462 |
| Net loans and leases to total assets | 39.7034% | 4,959 |
| Net loans and leases to deposits | 46.9306% | 4,961 |
| Net loans and leases to core deposits | 47.2424% | 5,001 |
| Total domestic deposits to total assets | 84.6003% | 2,798 |
| Equity capital to assets | 13.6072% | 1,104 |
| Core capital (leverage) ratio | 13.6901% | 1,012 |
| Tier 1 risk-based capital ratio | 24.9994% | 746 |
| Total risk-based capital ratio | 25.8977% | 756 |
| Memoranda: | ||
| Average total assets | $150,127,400 | 3,386 |
| Average earning assets | $139,908,400 | 3,360 |
| Average equity | $19,445,000 | 3,142 |
| Average total loans | $59,301,400 | 4,111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 4,870 |
| Cost of funding earning assets | 0.4223% | 3,711 |
| Net interest margin | 3.1301% | 4,654 |
| Noninterest income to average assets | 0.6444% | 2,102 |
| Noninterest expense to average assets | 2.4285% | 3,789 |
| Loan and lease loss provision to assets | 0.0185% | 3,641 |
| Net operating income to assets | 1.0313% | 2,955 |
| Return on assets (ROA) | 1.0313% | 2,966 |
| Pretax return on assets | 1.1177% | 3,325 |
| Return on Equity (ROE) | 8.0606% | 3,524 |
| Retained earnings to average equity (ytd only) | 5.9937% | 2,662 |
| Net charge-offs to loans | -0.3317% | 5,370 |
| Credit loss provision to net charge-offs | -14.1892% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1256% | 2,515 |
| Assets per employee ($millions) | 4.9155% | 2,575 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,624 |
| Loan loss allowance to noncurrent loans | 486.4865% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,616 |
| Noncurrent loans to loans | 0.2466% | 3,808 |
| Net loans and leases to total assets | 37.7026% | 5,089 |
| Net loans and leases to deposits | 44.4879% | 5,096 |
| Net loans and leases to core deposits | 44.7592% | 5,146 |
| Total domestic deposits to total assets | 84.7480% | 2,703 |
| Equity capital to assets | 12.2889% | 1,707 |
| Core capital (leverage) ratio | 12.9575% | 1,303 |
| Tier 1 risk-based capital ratio | 24.5089% | 798 |
| Total risk-based capital ratio | 25.3857% | 808 |
| Memoranda: | ||
| Average total assets | $151,257,500 | 3,406 |
| Average earning assets | $141,120,000 | 3,380 |
| Average equity | $19,353,000 | 3,170 |
| Average total loans | $59,493,000 | 4,148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,812 |
| Cost of funding earning assets | 0.4068% | 3,673 |
| Net interest margin | 3.1635% | 4,587 |
| Noninterest income to average assets | 0.6325% | 2,167 |
| Noninterest expense to average assets | 2.4738% | 3,704 |
| Loan and lease loss provision to assets | 0.0241% | 3,435 |
| Net operating income to assets | 0.9984% | 3,028 |
| Return on assets (ROA) | 0.9984% | 3,028 |
| Pretax return on assets | 1.0841% | 3,375 |
| Return on Equity (ROE) | 7.6960% | 3,626 |
| Retained earnings to average equity (ytd only) | 4.5969% | 3,290 |
| Net charge-offs to loans | -0.7519% | 5,475 |
| Credit loss provision to net charge-offs | -8.0717% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0610% | 2,475 |
| Assets per employee ($millions) | 4.4909% | 3,138 |
| Cash dividends to net income (ytd only)* | 40.2685% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,879 |
| Loan loss allowance to noncurrent loans | 364.9770% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,532 |
| Noncurrent loans to loans | 0.3739% | 3,354 |
| Net loans and leases to total assets | 38.6224% | 5,110 |
| Net loans and leases to deposits | 45.3518% | 5,113 |
| Net loans and leases to core deposits | 45.7944% | 5,157 |
| Total domestic deposits to total assets | 85.1618% | 2,613 |
| Equity capital to assets | 12.9785% | 1,301 |
| Core capital (leverage) ratio | 13.2084% | 1,155 |
| Tier 1 risk-based capital ratio | 24.7233% | 759 |
| Total risk-based capital ratio | 25.7172% | 770 |
| Memoranda: | ||
| Average total assets | $149,244,330 | 3,448 |
| Average earning assets | $139,148,670 | 3,421 |
| Average equity | $19,360,670 | 3,190 |
| Average total loans | $59,315,670 | 4,183 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 4,799 |
| Cost of funding earning assets | 0.3947% | 3,628 |
| Net interest margin | 3.1519% | 4,596 |
| Noninterest income to average assets | 0.6170% | 2,184 |
| Noninterest expense to average assets | 2.4572% | 3,793 |
| Loan and lease loss provision to assets | 0.0401% | 2,952 |
| Net operating income to assets | 0.9775% | 2,949 |
| Return on assets (ROA) | 0.9775% | 2,979 |
| Pretax return on assets | 1.0630% | 3,303 |
| Return on Equity (ROE) | 7.5371% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.5371% | 2,029 |
| Net charge-offs to loans | 0.1868% | 786 |
| Credit loss provision to net charge-offs | 53.5714% | 1,923 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,695 |
| Efficiency ratio | 69.0173% | 2,663 |
| Assets per employee ($millions) | 4.4099% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,413 |
| Loan loss allowance to noncurrent loans | 155.9420% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 3,279 |
| Noncurrent loans to loans | 0.5822% | 2,795 |
| Net loans and leases to total assets | 39.1654% | 5,099 |
| Net loans and leases to deposits | 45.7063% | 5,107 |
| Net loans and leases to core deposits | 46.2346% | 5,154 |
| Total domestic deposits to total assets | 85.6892% | 2,679 |
| Equity capital to assets | 12.8568% | 1,317 |
| Core capital (leverage) ratio | 13.1144% | 1,133 |
| Tier 1 risk-based capital ratio | 24.6065% | 785 |
| Total risk-based capital ratio | 25.2812% | 814 |
| Memoranda: | ||
| Average total assets | $149,767,000 | 3,470 |
| Average earning assets | $139,850,000 | 3,445 |
| Average equity | $19,424,000 | 3,210 |
| Average total loans | $59,958,500 | 4,199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4056% | 4,929 |
| Cost of funding earning assets | 0.4037% | 3,216 |
| Net interest margin | 3.0019% | 4,879 |
| Noninterest income to average assets | 0.6598% | 2,139 |
| Noninterest expense to average assets | 2.5077% | 3,758 |
| Loan and lease loss provision to assets | 0.0418% | 3,422 |
| Net operating income to assets | 0.7240% | 3,500 |
| Return on assets (ROA) | 0.7299% | 3,510 |
| Pretax return on assets | 0.9240% | 3,830 |
| Return on Equity (ROE) | 5.5232% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.7081% | 3,692 |
| Net charge-offs to loans | 0.4169% | 596 |
| Credit loss provision to net charge-offs | 24.8000% | 3,577 |
| Earnings coverage of net charge-offs (x) | 5.6880% | 3,288 |
| Efficiency ratio | 72.3508% | 2,170 |
| Assets per employee ($millions) | 4.2742% | 3,531 |
| Cash dividends to net income (ytd only)* | 50.9695% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,434 |
| Loan loss allowance to noncurrent loans | 47.5820% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,927 |
| Noncurrent loans to loans | 1.9091% | 813 |
| Net loans and leases to total assets | 40.1777% | 5,128 |
| Net loans and leases to deposits | 47.1434% | 5,156 |
| Net loans and leases to core deposits | 47.6910% | 5,200 |
| Total domestic deposits to total assets | 85.2244% | 2,745 |
| Equity capital to assets | 13.0824% | 1,222 |
| Core capital (leverage) ratio | 12.5297% | 1,338 |
| Tier 1 risk-based capital ratio | 23.9532% | 819 |
| Total risk-based capital ratio | 24.6386% | 855 |
| Memoranda: | ||
| Average total assets | $148,382,800 | 3,488 |
| Average earning assets | $138,713,000 | 3,471 |
| Average equity | $19,608,200 | 3,187 |
| Average total loans | $59,969,600 | 4,206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 4,978 |
| Cost of funding earning assets | 0.4009% | 3,184 |
| Net interest margin | 2.9863% | 4,947 |
| Noninterest income to average assets | 0.6960% | 2,023 |
| Noninterest expense to average assets | 2.4860% | 3,784 |
| Loan and lease loss provision to assets | 0.0288% | 3,548 |
| Net operating income to assets | 0.8459% | 3,285 |
| Return on assets (ROA) | 0.8545% | 3,302 |
| Pretax return on assets | 0.9814% | 3,761 |
| Return on Equity (ROE) | 6.4499% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.6556% | 3,111 |
| Net charge-offs to loans | 0.5574% | 357 |
| Credit loss provision to net charge-offs | 12.8000% | 3,206 |
| Earnings coverage of net charge-offs (x) | 4.4439% | 3,225 |
| Efficiency ratio | 71.3068% | 2,324 |
| Assets per employee ($millions) | 4.5032% | 3,140 |
| Cash dividends to net income (ytd only)* | 27.8187% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 4,752 |
| Loan loss allowance to noncurrent loans | 57.5691% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,415 |
| Noncurrent loans to loans | 1.4805% | 1,262 |
| Net loans and leases to total assets | 38.4537% | 5,246 |
| Net loans and leases to deposits | 44.9128% | 5,288 |
| Net loans and leases to core deposits | 45.3185% | 5,333 |
| Total domestic deposits to total assets | 85.6186% | 2,475 |
| Equity capital to assets | 12.7819% | 1,499 |
| Core capital (leverage) ratio | 12.3885% | 1,463 |
| Tier 1 risk-based capital ratio | 24.2246% | 825 |
| Total risk-based capital ratio | 24.8749% | 869 |
| Memoranda: | ||
| Average total assets | $148,079,000 | 3,524 |
| Average earning assets | $138,360,500 | 3,502 |
| Average equity | $19,617,500 | 3,209 |
| Average total loans | $59,798,000 | 4,247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 4,919 |
| Cost of funding earning assets | 0.4029% | 3,043 |
| Net interest margin | 3.0250% | 4,855 |
| Noninterest income to average assets | 0.7191% | 1,910 |
| Noninterest expense to average assets | 2.5231% | 3,681 |
| Loan and lease loss provision to assets | 0.0290% | 3,417 |
| Net operating income to assets | 0.8482% | 3,163 |
| Return on assets (ROA) | 0.8613% | 3,161 |
| Pretax return on assets | 1.0007% | 3,567 |
| Return on Equity (ROE) | 6.4193% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.7035% | 3,493 |
| Net charge-offs to loans | 0.1348% | 1,354 |
| Credit loss provision to net charge-offs | 52.5000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,883 |
| Efficiency ratio | 71.3227% | 2,468 |
| Assets per employee ($millions) | 4.0241% | 3,918 |
| Cash dividends to net income (ytd only)* | 42.3077% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,995 |
| Loan loss allowance to noncurrent loans | 64.9819% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 2,010 |
| Noncurrent loans to loans | 1.8510% | 953 |
| Net loans and leases to total assets | 40.8230% | 5,197 |
| Net loans and leases to deposits | 48.4694% | 5,192 |
| Net loans and leases to core deposits | 48.9533% | 5,253 |
| Total domestic deposits to total assets | 84.2242% | 3,118 |
| Equity capital to assets | 13.7360% | 1,064 |
| Core capital (leverage) ratio | 13.0764% | 1,143 |
| Tier 1 risk-based capital ratio | 24.4607% | 810 |
| Total risk-based capital ratio | 25.3836% | 815 |
| Memoranda: | ||
| Average total assets | $144,901,000 | 3,582 |
| Average earning assets | $135,007,000 | 3,572 |
| Average equity | $19,441,330 | 3,227 |
| Average total loans | $59,354,330 | 4,281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 4,920 |
| Cost of funding earning assets | 0.4010% | 2,988 |
| Net interest margin | 3.0001% | 4,892 |
| Noninterest income to average assets | 0.7784% | 1,627 |
| Noninterest expense to average assets | 2.5062% | 3,790 |
| Loan and lease loss provision to assets | 0.0304% | 3,171 |
| Net operating income to assets | 0.8633% | 2,932 |
| Return on assets (ROA) | 0.8888% | 2,867 |
| Pretax return on assets | 1.0599% | 3,134 |
| Return on Equity (ROE) | 6.7040% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.7040% | 1,976 |
| Net charge-offs to loans | 0.3249% | 571 |
| Credit loss provision to net charge-offs | 22.9167% | 2,157 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,090 |
| Efficiency ratio | 70.2786% | 2,843 |
| Assets per employee ($millions) | 4.0580% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,218 |
| Loan loss allowance to noncurrent loans | 64.1096% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 2,141 |
| Noncurrent loans to loans | 1.8509% | 999 |
| Net loans and leases to total assets | 40.0146% | 5,250 |
| Net loans and leases to deposits | 47.0486% | 5,262 |
| Net loans and leases to core deposits | 47.5075% | 5,321 |
| Total domestic deposits to total assets | 85.0495% | 3,066 |
| Equity capital to assets | 13.3590% | 1,125 |
| Core capital (leverage) ratio | 13.1118% | 1,096 |
| Tier 1 risk-based capital ratio | 24.6860% | 805 |
| Total risk-based capital ratio | 25.5959% | 814 |
| Memoranda: | ||
| Average total assets | $144,918,000 | 3,618 |
| Average earning assets | $134,663,000 | 3,613 |
| Average equity | $19,212,500 | 3,266 |
| Average total loans | $59,102,000 | 4,322 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 4,834 |
| Cost of funding earning assets | 0.3933% | 3,058 |
| Net interest margin | 3.0807% | 4,775 |
| Noninterest income to average assets | 0.6946% | 2,201 |
| Noninterest expense to average assets | 2.4549% | 4,146 |
| Loan and lease loss provision to assets | 0.0211% | 3,948 |
| Net operating income to assets | 0.8672% | 2,993 |
| Return on assets (ROA) | 0.9027% | 2,924 |
| Pretax return on assets | 1.1319% | 2,961 |
| Return on Equity (ROE) | 6.5882% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.8790% | 3,161 |
| Net charge-offs to loans | 0.0244% | 3,559 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 105.1333% | 577 |
| Efficiency ratio | 68.8893% | 3,092 |
| Assets per employee ($millions) | 4.2279% | 3,574 |
| Cash dividends to net income (ytd only)* | 41.1215% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,808 |
| Loan loss allowance to noncurrent loans | 52.6728% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 1,919 |
| Noncurrent loans to loans | 2.3762% | 680 |
| Net loans and leases to total assets | 40.5615% | 5,294 |
| Net loans and leases to deposits | 48.1096% | 5,293 |
| Net loans and leases to core deposits | 48.5891% | 5,349 |
| Total domestic deposits to total assets | 84.3106% | 3,315 |
| Equity capital to assets | 13.1544% | 1,190 |
| Core capital (leverage) ratio | 12.6140% | 1,294 |
| Tier 1 risk-based capital ratio | 24.5957% | 805 |
| Total risk-based capital ratio | 25.5665% | 813 |
| Memoranda: | ||
| Average total assets | $142,243,800 | 3,637 |
| Average earning assets | $132,470,000 | 3,609 |
| Average equity | $19,489,400 | 3,219 |
| Average total loans | $61,370,200 | 4,248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4910% | 4,835 |
| Cost of funding earning assets | 0.3888% | 3,140 |
| Net interest margin | 3.1022% | 4,773 |
| Noninterest income to average assets | 0.7443% | 1,989 |
| Noninterest expense to average assets | 2.4332% | 4,183 |
| Loan and lease loss provision to assets | 0.0207% | 3,822 |
| Net operating income to assets | 0.9162% | 2,828 |
| Return on assets (ROA) | 0.9624% | 2,745 |
| Pretax return on assets | 1.2368% | 2,671 |
| Return on Equity (ROE) | 6.9536% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1609% | 2,718 |
| Net charge-offs to loans | -0.0129% | 4,866 |
| Credit loss provision to net charge-offs | -366.6667% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0031% | 3,424 |
| Assets per employee ($millions) | 4.4082% | 3,233 |
| Cash dividends to net income (ytd only)* | 25.7811% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,898 |
| Loan loss allowance to noncurrent loans | 49.1182% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 1,936 |
| Noncurrent loans to loans | 2.5650% | 670 |
| Net loans and leases to total assets | 40.5135% | 5,353 |
| Net loans and leases to deposits | 48.6873% | 5,357 |
| Net loans and leases to core deposits | 49.1719% | 5,415 |
| Total domestic deposits to total assets | 83.2117% | 3,512 |
| Equity capital to assets | 13.8434% | 1,099 |
| Core capital (leverage) ratio | 12.5801% | 1,367 |
| Tier 1 risk-based capital ratio | 25.4349% | 766 |
| Total risk-based capital ratio | 26.4562% | 776 |
| Memoranda: | ||
| Average total assets | $141,868,000 | 3,656 |
| Average earning assets | $132,030,500 | 3,636 |
| Average equity | $19,634,500 | 3,230 |
| Average total loans | $61,951,500 | 4,262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 4,678 |
| Cost of funding earning assets | 0.3780% | 3,270 |
| Net interest margin | 3.1925% | 4,566 |
| Noninterest income to average assets | 0.6810% | 2,227 |
| Noninterest expense to average assets | 2.4199% | 4,272 |
| Loan and lease loss provision to assets | 0.0213% | 3,708 |
| Net operating income to assets | 0.9277% | 2,732 |
| Return on assets (ROA) | 0.9967% | 2,547 |
| Pretax return on assets | 1.2953% | 2,427 |
| Return on Equity (ROE) | 7.2021% | 3,422 |
| Retained earnings to average equity (ytd only) | 4.4897% | 3,057 |
| Net charge-offs to loans | -0.0128% | 4,777 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3548% | 3,622 |
| Assets per employee ($millions) | 4.0884% | 3,756 |
| Cash dividends to net income (ytd only)* | 37.6605% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,362 |
| Loan loss allowance to noncurrent loans | 185.7500% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,843 |
| Noncurrent loans to loans | 0.6462% | 3,138 |
| Net loans and leases to total assets | 42.7414% | 5,303 |
| Net loans and leases to deposits | 51.6005% | 5,265 |
| Net loans and leases to core deposits | 52.2360% | 5,355 |
| Total domestic deposits to total assets | 82.8314% | 3,717 |
| Equity capital to assets | 13.9511% | 1,041 |
| Core capital (leverage) ratio | 12.7875% | 1,241 |
| Tier 1 risk-based capital ratio | 24.5315% | 851 |
| Total risk-based capital ratio | 25.5218% | 861 |
| Memoranda: | ||
| Average total assets | $140,667,330 | 3,705 |
| Average earning assets | $130,680,000 | 3,680 |
| Average equity | $19,466,670 | 3,252 |
| Average total loans | $62,706,330 | 4,268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,588 |
| Cost of funding earning assets | 0.3665% | 3,436 |
| Net interest margin | 3.2459% | 4,409 |
| Noninterest income to average assets | 0.7458% | 1,831 |
| Noninterest expense to average assets | 2.4352% | 4,274 |
| Loan and lease loss provision to assets | 0.0229% | 3,384 |
| Net operating income to assets | 0.9774% | 2,383 |
| Return on assets (ROA) | 1.1129% | 1,959 |
| Pretax return on assets | 1.4915% | 1,624 |
| Return on Equity (ROE) | 8.0756% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.0756% | 1,424 |
| Net charge-offs to loans | -0.0063% | 4,365 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6119% | 4,030 |
| Assets per employee ($millions) | 4.2628% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,543 |
| Loan loss allowance to noncurrent loans | 229.7806% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 3,747 |
| Noncurrent loans to loans | 0.5177% | 3,633 |
| Net loans and leases to total assets | 43.2826% | 5,284 |
| Net loans and leases to deposits | 51.8854% | 5,238 |
| Net loans and leases to core deposits | 52.5300% | 5,325 |
| Total domestic deposits to total assets | 83.4197% | 3,746 |
| Equity capital to assets | 13.8719% | 1,027 |
| Core capital (leverage) ratio | 13.2859% | 1,057 |
| Tier 1 risk-based capital ratio | 24.6254% | 851 |
| Total risk-based capital ratio | 25.6087% | 867 |
| Memoranda: | ||
| Average total assets | $139,454,500 | 3,756 |
| Average earning assets | $129,886,500 | 3,717 |
| Average equity | $19,218,500 | 3,280 |
| Average total loans | $63,108,000 | 4,284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,621 |
| Cost of funding earning assets | 0.3715% | 3,466 |
| Net interest margin | 3.2454% | 4,487 |
| Noninterest income to average assets | 0.6990% | 2,205 |
| Noninterest expense to average assets | 2.5073% | 4,204 |
| Loan and lease loss provision to assets | 0.0635% | 3,024 |
| Net operating income to assets | 0.9076% | 2,824 |
| Return on assets (ROA) | 0.9786% | 2,549 |
| Pretax return on assets | 1.2604% | 2,434 |
| Return on Equity (ROE) | 7.4277% | 3,290 |
| Retained earnings to average equity (ytd only) | 4.7910% | 2,582 |
| Net charge-offs to loans | 0.6211% | 389 |
| Credit loss provision to net charge-offs | 22.7848% | 3,725 |
| Earnings coverage of net charge-offs (x) | 4.4203% | 3,562 |
| Efficiency ratio | 67.0379% | 3,741 |
| Assets per employee ($millions) | 3.9496% | 4,029 |
| Cash dividends to net income (ytd only)* | 35.4978% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,919 |
| Loan loss allowance to noncurrent loans | 85.4782% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 2,319 |
| Noncurrent loans to loans | 1.3112% | 1,801 |
| Net loans and leases to total assets | 46.2050% | 5,141 |
| Net loans and leases to deposits | 55.6745% | 5,067 |
| Net loans and leases to core deposits | 56.3295% | 5,187 |
| Total domestic deposits to total assets | 82.9914% | 3,834 |
| Equity capital to assets | 13.6889% | 1,045 |
| Core capital (leverage) ratio | 12.8288% | 1,219 |
| Tier 1 risk-based capital ratio | 23.4552% | 961 |
| Total risk-based capital ratio | 24.4002% | 986 |
| Memoranda: | ||
| Average total assets | $141,627,200 | 3,699 |
| Average earning assets | $132,712,000 | 3,652 |
| Average equity | $18,660,000 | 3,301 |
| Average total loans | $63,596,000 | 4,274 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 4,768 |
| Cost of funding earning assets | 0.3721% | 3,522 |
| Net interest margin | 3.2194% | 4,613 |
| Noninterest income to average assets | 0.7168% | 2,159 |
| Noninterest expense to average assets | 2.4490% | 4,352 |
| Loan and lease loss provision to assets | 0.0562% | 3,070 |
| Net operating income to assets | 0.9386% | 2,766 |
| Return on assets (ROA) | 1.0303% | 2,418 |
| Pretax return on assets | 1.3523% | 2,205 |
| Return on Equity (ROE) | 7.8947% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.1738% | 2,139 |
| Net charge-offs to loans | -0.0147% | 5,103 |
| Credit loss provision to net charge-offs | -857.1429% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5397% | 3,972 |
| Assets per employee ($millions) | 4.3383% | 3,261 |
| Cash dividends to net income (ytd only)* | 21.7983% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 1,515 |
| Loan loss allowance to noncurrent loans | 99.3654% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 3,039 |
| Noncurrent loans to loans | 1.6941% | 1,430 |
| Net loans and leases to total assets | 43.3970% | 5,393 |
| Net loans and leases to deposits | 51.3612% | 5,400 |
| Net loans and leases to core deposits | 51.9157% | 5,504 |
| Total domestic deposits to total assets | 84.4937% | 3,225 |
| Equity capital to assets | 12.9064% | 1,500 |
| Core capital (leverage) ratio | 12.4199% | 1,454 |
| Tier 1 risk-based capital ratio | 23.1249% | 1,041 |
| Total risk-based capital ratio | 24.3769% | 1,023 |
| Memoranda: | ||
| Average total assets | $142,475,000 | 3,713 |
| Average earning assets | $133,644,250 | 3,668 |
| Average equity | $18,594,250 | 3,330 |
| Average total loans | $63,346,000 | 4,325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 4,723 |
| Cost of funding earning assets | 0.3715% | 3,581 |
| Net interest margin | 3.2272% | 4,572 |
| Noninterest income to average assets | 0.7457% | 2,016 |
| Noninterest expense to average assets | 2.4929% | 4,265 |
| Loan and lease loss provision to assets | 0.0426% | 3,256 |
| Net operating income to assets | 0.9407% | 2,683 |
| Return on assets (ROA) | 1.0781% | 2,123 |
| Pretax return on assets | 1.4290% | 1,869 |
| Return on Equity (ROE) | 8.2291% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.6270% | 2,448 |
| Net charge-offs to loans | -0.0127% | 5,004 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9279% | 4,024 |
| Assets per employee ($millions) | 4.0725% | 3,739 |
| Cash dividends to net income (ytd only)* | 31.6206% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 1,635 |
| Loan loss allowance to noncurrent loans | 99.7186% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7699% | 3,081 |
| Noncurrent loans to loans | 1.6906% | 1,534 |
| Net loans and leases to total assets | 44.7712% | 5,327 |
| Net loans and leases to deposits | 53.3324% | 5,295 |
| Net loans and leases to core deposits | 53.9483% | 5,421 |
| Total domestic deposits to total assets | 83.9475% | 3,590 |
| Equity capital to assets | 13.3168% | 1,255 |
| Core capital (leverage) ratio | 12.6156% | 1,328 |
| Tier 1 risk-based capital ratio | 23.9674% | 957 |
| Total risk-based capital ratio | 25.2193% | 948 |
| Memoranda: | ||
| Average total assets | $140,799,670 | 3,773 |
| Average earning assets | $132,436,000 | 3,713 |
| Average equity | $18,446,670 | 3,366 |
| Average total loans | $62,759,000 | 4,380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 4,766 |
| Cost of funding earning assets | 0.3743% | 3,597 |
| Net interest margin | 3.2008% | 4,610 |
| Noninterest income to average assets | 0.8227% | 1,620 |
| Noninterest expense to average assets | 2.5893% | 3,980 |
| Loan and lease loss provision to assets | 0.0423% | 3,068 |
| Net operating income to assets | 0.8890% | 2,793 |
| Return on assets (ROA) | 1.1580% | 1,780 |
| Pretax return on assets | 1.5666% | 1,354 |
| Return on Equity (ROE) | 8.9103% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.9103% | 1,230 |
| Net charge-offs to loans | -0.0128% | 4,833 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5239% | 3,903 |
| Assets per employee ($millions) | 4.1652% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 1,697 |
| Loan loss allowance to noncurrent loans | 103.6670% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 3,356 |
| Noncurrent loans to loans | 1.6548% | 1,681 |
| Net loans and leases to total assets | 42.3170% | 5,462 |
| Net loans and leases to deposits | 50.2570% | 5,443 |
| Net loans and leases to core deposits | 50.9297% | 5,548 |
| Total domestic deposits to total assets | 84.2010% | 3,739 |
| Equity capital to assets | 13.2689% | 1,273 |
| Core capital (leverage) ratio | 12.3947% | 1,403 |
| Tier 1 risk-based capital ratio | 24.6226% | 923 |
| Total risk-based capital ratio | 25.8745% | 908 |
| Memoranda: | ||
| Average total assets | $141,967,500 | 3,778 |
| Average earning assets | $133,591,500 | 3,725 |
| Average equity | $18,450,500 | 3,387 |
| Average total loans | $62,611,000 | 4,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 4,994 |
| Cost of funding earning assets | 0.4599% | 3,074 |
| Net interest margin | 3.1710% | 5,012 |
| Noninterest income to average assets | 1.1118% | 990 |
| Noninterest expense to average assets | 2.2070% | 5,338 |
| Loan and lease loss provision to assets | 0.0841% | 2,802 |
| Net operating income to assets | 1.2778% | 1,353 |
| Return on assets (ROA) | 1.2911% | 1,378 |
| Pretax return on assets | 1.8102% | 777 |
| Return on Equity (ROE) | 10.8665% | 1,760 |
| Retained earnings to average equity (ytd only) | 8.1294% | 977 |
| Net charge-offs to loans | 0.2187% | 1,920 |
| Credit loss provision to net charge-offs | 90.2985% | 2,644 |
| Earnings coverage of net charge-offs (x) | 20.1418% | 1,738 |
| Efficiency ratio | 54.0596% | 5,835 |
| Assets per employee ($millions) | 4.3127% | 3,345 |
| Cash dividends to net income (ytd only)* | 25.1884% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,088 |
| Loan loss allowance to noncurrent loans | 100.3902% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 3,411 |
| Noncurrent loans to loans | 1.5954% | 1,833 |
| Net loans and leases to total assets | 44.4209% | 5,441 |
| Net loans and leases to deposits | 52.3982% | 5,456 |
| Net loans and leases to core deposits | 53.2685% | 5,545 |
| Total domestic deposits to total assets | 84.7756% | 3,377 |
| Equity capital to assets | 12.7250% | 1,520 |
| Core capital (leverage) ratio | 11.7085% | 1,821 |
| Tier 1 risk-based capital ratio | 21.8411% | 1,247 |
| Total risk-based capital ratio | 23.0920% | 1,223 |
| Memoranda: | ||
| Average total assets | $143,907,200 | 3,727 |
| Average earning assets | $134,815,400 | 3,680 |
| Average equity | $17,098,400 | 3,512 |
| Average total loans | $61,278,000 | 4,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 5,097 |
| Cost of funding earning assets | 0.4781% | 2,978 |
| Net interest margin | 3.1409% | 5,144 |
| Noninterest income to average assets | 1.1383% | 930 |
| Noninterest expense to average assets | 2.1537% | 5,453 |
| Loan and lease loss provision to assets | 0.0878% | 2,597 |
| Net operating income to assets | 1.3008% | 1,368 |
| Return on assets (ROA) | 1.3185% | 1,379 |
| Pretax return on assets | 1.8599% | 777 |
| Return on Equity (ROE) | 11.2945% | 1,687 |
| Retained earnings to average equity (ytd only) | 9.4900% | 842 |
| Net charge-offs to loans | 0.2753% | 1,426 |
| Credit loss provision to net charge-offs | 76.0000% | 2,671 |
| Earnings coverage of net charge-offs (x) | 16.6483% | 1,955 |
| Efficiency ratio | 52.8332% | 5,939 |
| Assets per employee ($millions) | 4.3077% | 3,285 |
| Cash dividends to net income (ytd only)* | 15.9774% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 2,095 |
| Loan loss allowance to noncurrent loans | 114.3503% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 4,085 |
| Noncurrent loans to loans | 1.4525% | 2,240 |
| Net loans and leases to total assets | 39.7405% | 5,830 |
| Net loans and leases to deposits | 46.3743% | 5,849 |
| Net loans and leases to core deposits | 46.9440% | 5,926 |
| Total domestic deposits to total assets | 85.6952% | 3,018 |
| Equity capital to assets | 11.8221% | 2,211 |
| Core capital (leverage) ratio | 11.3639% | 2,168 |
| Tier 1 risk-based capital ratio | 22.4203% | 1,200 |
| Total risk-based capital ratio | 23.6711% | 1,185 |
| Memoranda: | ||
| Average total assets | $144,304,500 | 3,754 |
| Average earning assets | $134,988,000 | 3,708 |
| Average equity | $16,845,500 | 3,564 |
| Average total loans | $60,535,500 | 4,513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,943 |
| Cost of funding earning assets | 0.5001% | 2,833 |
| Net interest margin | 3.1710% | 5,040 |
| Noninterest income to average assets | 0.9202% | 1,423 |
| Noninterest expense to average assets | 2.1977% | 5,417 |
| Loan and lease loss provision to assets | 0.0886% | 2,549 |
| Net operating income to assets | 1.1559% | 1,734 |
| Return on assets (ROA) | 1.1833% | 1,716 |
| Pretax return on assets | 1.6335% | 1,173 |
| Return on Equity (ROE) | 10.1820% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.4216% | 1,558 |
| Net charge-offs to loans | 0.3510% | 1,169 |
| Credit loss provision to net charge-offs | 59.4340% | 2,654 |
| Earnings coverage of net charge-offs (x) | 11.2925% | 2,171 |
| Efficiency ratio | 56.6147% | 5,691 |
| Assets per employee ($millions) | 4.2846% | 3,304 |
| Cash dividends to net income (ytd only)* | 27.1106% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 2,384 |
| Loan loss allowance to noncurrent loans | 124.2537% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 3,368 |
| Noncurrent loans to loans | 1.3063% | 2,630 |
| Net loans and leases to total assets | 41.5625% | 5,705 |
| Net loans and leases to deposits | 48.5779% | 5,736 |
| Net loans and leases to core deposits | 49.0959% | 5,847 |
| Total domestic deposits to total assets | 85.5585% | 3,263 |
| Equity capital to assets | 11.7795% | 2,182 |
| Core capital (leverage) ratio | 11.4820% | 2,016 |
| Tier 1 risk-based capital ratio | 21.5587% | 1,335 |
| Total risk-based capital ratio | 22.8090% | 1,311 |
| Memoranda: | ||
| Average total assets | $142,150,000 | 3,817 |
| Average earning assets | $132,765,000 | 3,760 |
| Average equity | $16,519,330 | 3,613 |
| Average total loans | $60,404,670 | 4,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,865 |
| Cost of funding earning assets | 0.5208% | 2,706 |
| Net interest margin | 3.1737% | 5,007 |
| Noninterest income to average assets | 1.0685% | 976 |
| Noninterest expense to average assets | 2.1740% | 5,529 |
| Loan and lease loss provision to assets | 0.0855% | 2,479 |
| Net operating income to assets | 1.2639% | 1,310 |
| Return on assets (ROA) | 1.2679% | 1,352 |
| Pretax return on assets | 1.7836% | 821 |
| Return on Equity (ROE) | 10.9883% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.9883% | 746 |
| Net charge-offs to loans | -0.0067% | 4,898 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,025 |
| Assets per employee ($millions) | 4.1129% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 2,125 |
| Loan loss allowance to noncurrent loans | 93.5484% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 3,648 |
| Noncurrent loans to loans | 1.8928% | 2,009 |
| Net loans and leases to total assets | 42.5661% | 5,621 |
| Net loans and leases to deposits | 49.5525% | 5,626 |
| Net loans and leases to core deposits | 50.2079% | 5,747 |
| Total domestic deposits to total assets | 85.9009% | 3,416 |
| Equity capital to assets | 11.8644% | 1,965 |
| Core capital (leverage) ratio | 11.5385% | 1,939 |
| Tier 1 risk-based capital ratio | 21.4032% | 1,395 |
| Total risk-based capital ratio | 22.6550% | 1,374 |
| Memoranda: | ||
| Average total assets | $140,386,500 | 3,872 |
| Average earning assets | $131,330,000 | 3,811 |
| Average equity | $16,199,000 | 3,668 |
| Average total loans | $59,834,000 | 4,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 5,372 |
| Cost of funding earning assets | 0.7022% | 1,796 |
| Net interest margin | 2.9101% | 5,771 |
| Noninterest income to average assets | 1.0731% | 1,228 |
| Noninterest expense to average assets | 2.2993% | 5,387 |
| Loan and lease loss provision to assets | 0.1279% | 2,709 |
| Net operating income to assets | 1.0056% | 2,307 |
| Return on assets (ROA) | 1.0103% | 2,344 |
| Pretax return on assets | 1.3624% | 1,928 |
| Return on Equity (ROE) | 8.8943% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.0895% | 1,915 |
| Net charge-offs to loans | 0.0926% | 3,921 |
| Credit loss provision to net charge-offs | 338.8889% | 673 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 966 |
| Efficiency ratio | 60.7756% | 5,379 |
| Assets per employee ($millions) | 4.1451% | 3,543 |
| Cash dividends to net income (ytd only)* | 31.5353% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 2,176 |
| Loan loss allowance to noncurrent loans | 98.9554% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,018 |
| Noncurrent loans to loans | 1.7826% | 2,252 |
| Net loans and leases to total assets | 41.1746% | 5,879 |
| Net loans and leases to deposits | 47.6092% | 5,919 |
| Net loans and leases to core deposits | 48.1285% | 6,025 |
| Total domestic deposits to total assets | 86.4845% | 2,999 |
| Equity capital to assets | 11.2159% | 2,417 |
| Core capital (leverage) ratio | 11.0967% | 2,296 |
| Tier 1 risk-based capital ratio | 21.4582% | 1,348 |
| Total risk-based capital ratio | 22.6682% | 1,332 |
| Memoranda: | ||
| Average total assets | $143,132,000 | 3,829 |
| Average earning assets | $133,293,000 | 3,769 |
| Average equity | $16,257,600 | 3,662 |
| Average total loans | $58,346,600 | 4,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 5,542 |
| Cost of funding earning assets | 0.7408% | 1,661 |
| Net interest margin | 2.8227% | 5,982 |
| Noninterest income to average assets | 1.1924% | 1,036 |
| Noninterest expense to average assets | 2.1918% | 5,623 |
| Loan and lease loss provision to assets | 0.1271% | 2,704 |
| Net operating income to assets | 1.0889% | 2,045 |
| Return on assets (ROA) | 1.0950% | 2,100 |
| Pretax return on assets | 1.5089% | 1,579 |
| Return on Equity (ROE) | 9.6107% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,523 |
| Net charge-offs to loans | 0.0413% | 4,327 |
| Credit loss provision to net charge-offs | 761.1111% | 377 |
| Earnings coverage of net charge-offs (x) | 97.4421% | 509 |
| Efficiency ratio | 57.3858% | 5,755 |
| Assets per employee ($millions) | 4.2097% | 3,403 |
| Cash dividends to net income (ytd only)* | 19.3219% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 2,282 |
| Loan loss allowance to noncurrent loans | 105.3061% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 4,171 |
| Noncurrent loans to loans | 1.7160% | 2,622 |
| Net loans and leases to total assets | 38.0603% | 6,172 |
| Net loans and leases to deposits | 43.6731% | 6,219 |
| Net loans and leases to core deposits | 44.2280% | 6,294 |
| Total domestic deposits to total assets | 87.1481% | 2,602 |
| Equity capital to assets | 10.9203% | 2,839 |
| Core capital (leverage) ratio | 10.6643% | 2,824 |
| Tier 1 risk-based capital ratio | 21.8659% | 1,342 |
| Total risk-based capital ratio | 23.1187% | 1,323 |
| Memoranda: | ||
| Average total assets | $143,681,500 | 3,854 |
| Average earning assets | $133,724,250 | 3,797 |
| Average equity | $16,370,250 | 3,691 |
| Average total loans | $58,165,500 | 4,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 5,416 |
| Cost of funding earning assets | 0.7701% | 1,582 |
| Net interest margin | 2.8354% | 5,932 |
| Noninterest income to average assets | 1.4081% | 795 |
| Noninterest expense to average assets | 2.1957% | 5,640 |
| Loan and lease loss provision to assets | 0.1292% | 2,707 |
| Net operating income to assets | 1.2138% | 1,557 |
| Return on assets (ROA) | 1.2228% | 1,637 |
| Pretax return on assets | 1.7268% | 1,052 |
| Return on Equity (ROE) | 10.5809% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.8111% | 1,560 |
| Net charge-offs to loans | -0.0137% | 5,843 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3622% | 6,115 |
| Assets per employee ($millions) | 4.0602% | 3,664 |
| Cash dividends to net income (ytd only)* | 26.1768% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 2,515 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 4,252 |
| Noncurrent loans to loans | 1.7735% | 2,670 |
| Net loans and leases to total assets | 39.3250% | 6,087 |
| Net loans and leases to deposits | 45.8927% | 6,111 |
| Net loans and leases to core deposits | 47.0388% | 6,178 |
| Total domestic deposits to total assets | 85.6891% | 3,537 |
| Equity capital to assets | 11.1852% | 2,564 |
| Core capital (leverage) ratio | 10.6471% | 2,722 |
| Tier 1 risk-based capital ratio | 21.2003% | 1,445 |
| Total risk-based capital ratio | 22.4517% | 1,413 |
| Memoranda: | ||
| Average total assets | $142,462,000 | 3,903 |
| Average earning assets | $132,185,330 | 3,862 |
| Average equity | $16,463,670 | 3,702 |
| Average total loans | $58,517,330 | 4,724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 5,365 |
| Cost of funding earning assets | 0.7693% | 1,711 |
| Net interest margin | 2.8598% | 5,890 |
| Noninterest income to average assets | 1.8144% | 499 |
| Noninterest expense to average assets | 2.1649% | 5,771 |
| Loan and lease loss provision to assets | 0.1318% | 2,592 |
| Net operating income to assets | 1.4878% | 885 |
| Return on assets (ROA) | 1.5031% | 925 |
| Pretax return on assets | 2.1986% | 426 |
| Return on Equity (ROE) | 12.8015% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.8015% | 580 |
| Net charge-offs to loans | -0.0270% | 5,853 |
| Credit loss provision to net charge-offs | -1,175.0000% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4013% | 6,595 |
| Assets per employee ($millions) | 4.1046% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 3,196 |
| Loan loss allowance to noncurrent loans | 97.8680% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 4,470 |
| Noncurrent loans to loans | 1.6860% | 3,015 |
| Net loans and leases to total assets | 39.9951% | 5,994 |
| Net loans and leases to deposits | 46.9182% | 5,995 |
| Net loans and leases to core deposits | 48.0812% | 6,092 |
| Total domestic deposits to total assets | 85.2443% | 3,931 |
| Equity capital to assets | 11.7917% | 2,181 |
| Core capital (leverage) ratio | 10.7114% | 2,540 |
| Tier 1 risk-based capital ratio | 21.2909% | 1,470 |
| Total risk-based capital ratio | 22.5419% | 1,446 |
| Memoranda: | ||
| Average total assets | $142,639,000 | 3,932 |
| Average earning assets | $132,596,500 | 3,891 |
| Average equity | $16,748,000 | 3,707 |
| Average total loans | $59,329,500 | 4,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 5,513 |
| Cost of funding earning assets | 0.9008% | 1,930 |
| Net interest margin | 3.0218% | 6,004 |
| Noninterest income to average assets | 2.9974% | 256 |
| Noninterest expense to average assets | 2.6608% | 4,537 |
| Loan and lease loss provision to assets | 0.1289% | 4,003 |
| Net operating income to assets | 2.0020% | 355 |
| Return on assets (ROA) | 2.0020% | 388 |
| Pretax return on assets | 3.0144% | 144 |
| Return on Equity (ROE) | 19.5693% | 320 |
| Retained earnings to average equity (ytd only) | 16.4532% | 109 |
| Net charge-offs to loans | 0.3058% | 3,114 |
| Credit loss provision to net charge-offs | 102.8249% | 2,921 |
| Earnings coverage of net charge-offs (x) | 25.0678% | 1,151 |
| Efficiency ratio | 45.8440% | 6,786 |
| Assets per employee ($millions) | 4.0462% | 3,853 |
| Cash dividends to net income (ytd only)* | 15.9236% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,680 |
| Loan loss allowance to noncurrent loans | 266.1808% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 5,710 |
| Noncurrent loans to loans | 0.5694% | 5,105 |
| Net loans and leases to total assets | 41.8909% | 6,020 |
| Net loans and leases to deposits | 49.1516% | 6,019 |
| Net loans and leases to core deposits | 50.3864% | 6,124 |
| Total domestic deposits to total assets | 85.2279% | 3,752 |
| Equity capital to assets | 11.6906% | 2,280 |
| Core capital (leverage) ratio | 10.2795% | 3,037 |
| Tier 1 risk-based capital ratio | 20.0538% | 1,664 |
| Total risk-based capital ratio | 21.2825% | 1,642 |
| Memoranda: | ||
| Average total assets | $141,158,000 | 3,930 |
| Average earning assets | $131,112,800 | 3,870 |
| Average equity | $14,441,000 | 4,075 |
| Average total loans | $57,882,600 | 4,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 5,631 |
| Cost of funding earning assets | 0.9312% | 1,970 |
| Net interest margin | 3.0297% | 6,105 |
| Noninterest income to average assets | 1.2620% | 935 |
| Noninterest expense to average assets | 2.2905% | 5,710 |
| Loan and lease loss provision to assets | 0.1295% | 3,935 |
| Net operating income to assets | 1.1892% | 1,776 |
| Return on assets (ROA) | 1.1892% | 1,956 |
| Pretax return on assets | 1.6562% | 1,398 |
| Return on Equity (ROE) | 12.0562% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.9287% | 934 |
| Net charge-offs to loans | 0.1792% | 3,678 |
| Credit loss provision to net charge-offs | 177.9221% | 1,567 |
| Earnings coverage of net charge-offs (x) | 24.5334% | 1,275 |
| Efficiency ratio | 56.1920% | 6,033 |
| Assets per employee ($millions) | 4.1335% | 3,619 |
| Cash dividends to net income (ytd only)* | 17.6469% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,175 |
| Loan loss allowance to noncurrent loans | 472.1951% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 6,146 |
| Noncurrent loans to loans | 0.3585% | 5,762 |
| Net loans and leases to total assets | 39.9972% | 6,286 |
| Net loans and leases to deposits | 46.3677% | 6,359 |
| Net loans and leases to core deposits | 47.4251% | 6,449 |
| Total domestic deposits to total assets | 86.2609% | 3,113 |
| Equity capital to assets | 10.9890% | 3,295 |
| Core capital (leverage) ratio | 9.2089% | 4,747 |
| Tier 1 risk-based capital ratio | 18.4511% | 2,185 |
| Total risk-based capital ratio | 19.7020% | 2,151 |
| Memoranda: | ||
| Average total assets | $141,043,000 | 3,974 |
| Average earning assets | $131,010,000 | 3,914 |
| Average equity | $13,912,250 | 4,211 |
| Average total loans | $57,293,750 | 4,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 5,565 |
| Cost of funding earning assets | 0.9505% | 2,062 |
| Net interest margin | 3.0757% | 6,061 |
| Noninterest income to average assets | 1.4135% | 719 |
| Noninterest expense to average assets | 2.2930% | 5,763 |
| Loan and lease loss provision to assets | 0.1303% | 3,902 |
| Net operating income to assets | 1.3002% | 1,444 |
| Return on assets (ROA) | 1.3002% | 1,594 |
| Pretax return on assets | 1.8455% | 949 |
| Return on Equity (ROE) | 13.6998% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.3868% | 873 |
| Net charge-offs to loans | -0.0244% | 6,473 |
| Credit loss provision to net charge-offs | -1,314.2857% | 6,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7160% | 6,341 |
| Assets per employee ($millions) | 4.1521% | 3,560 |
| Cash dividends to net income (ytd only)* | 24.1830% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 2,972 |
| Loan loss allowance to noncurrent loans | 92.0475% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 4,677 |
| Noncurrent loans to loans | 1.9155% | 3,052 |
| Net loans and leases to total assets | 39.7440% | 6,363 |
| Net loans and leases to deposits | 46.0022% | 6,439 |
| Net loans and leases to core deposits | 46.9456% | 6,520 |
| Total domestic deposits to total assets | 86.3959% | 3,144 |
| Equity capital to assets | 9.8200% | 4,593 |
| Core capital (leverage) ratio | 8.2433% | 5,998 |
| Tier 1 risk-based capital ratio | 16.3417% | 2,984 |
| Total risk-based capital ratio | 17.5932% | 2,960 |
| Memoranda: | ||
| Average total assets | $141,210,670 | 3,986 |
| Average earning assets | $131,090,330 | 3,938 |
| Average equity | $13,401,670 | 4,321 |
| Average total loans | $57,331,670 | 4,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 5,458 |
| Cost of funding earning assets | 0.9776% | 2,118 |
| Net interest margin | 3.1223% | 5,977 |
| Noninterest income to average assets | 1.0139% | 1,392 |
| Noninterest expense to average assets | 2.2743% | 5,841 |
| Loan and lease loss provision to assets | 0.1331% | 3,693 |
| Net operating income to assets | 1.0961% | 2,102 |
| Return on assets (ROA) | 1.0961% | 2,298 |
| Pretax return on assets | 1.5011% | 1,863 |
| Return on Equity (ROE) | 11.7531% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.7531% | 863 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1884% | 5,889 |
| Assets per employee ($millions) | 4.2623% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 3,422 |
| Loan loss allowance to noncurrent loans | 103.4670% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 4,919 |
| Noncurrent loans to loans | 1.6257% | 3,672 |
| Net loans and leases to total assets | 39.6866% | 6,372 |
| Net loans and leases to deposits | 45.5400% | 6,463 |
| Net loans and leases to core deposits | 46.4630% | 6,537 |
| Total domestic deposits to total assets | 87.1467% | 2,860 |
| Equity capital to assets | 9.5232% | 4,768 |
| Core capital (leverage) ratio | 8.0167% | 6,246 |
| Tier 1 risk-based capital ratio | 15.8258% | 3,266 |
| Total risk-based capital ratio | 17.0770% | 3,235 |
| Memoranda: | ||
| Average total assets | $141,230,500 | 4,011 |
| Average earning assets | $130,928,500 | 3,971 |
| Average equity | $13,171,000 | 4,373 |
| Average total loans | $57,440,500 | 4,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 5,942 |
| Cost of funding earning assets | 1.1704% | 2,220 |
| Net interest margin | 3.0697% | 6,407 |
| Noninterest income to average assets | 1.3665% | 688 |
| Noninterest expense to average assets | 2.4951% | 5,485 |
| Loan and lease loss provision to assets | 0.1998% | 4,191 |
| Net operating income to assets | 1.1542% | 1,658 |
| Return on assets (ROA) | 1.1581% | 1,757 |
| Pretax return on assets | 1.5100% | 1,442 |
| Return on Equity (ROE) | 13.6019% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.8415% | 601 |
| Net charge-offs to loans | 0.3460% | 3,671 |
| Credit loss provision to net charge-offs | 145.0262% | 1,988 |
| Earnings coverage of net charge-offs (x) | 12.3770% | 1,629 |
| Efficiency ratio | 59.4093% | 5,843 |
| Assets per employee ($millions) | 3.9390% | 3,988 |
| Cash dividends to net income (ytd only)* | 27.6463% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,738 |
| Loan loss allowance to noncurrent loans | 200.8850% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 5,676 |
| Noncurrent loans to loans | 0.7779% | 5,126 |
| Net loans and leases to total assets | 40.3345% | 6,524 |
| Net loans and leases to deposits | 46.2766% | 6,611 |
| Net loans and leases to core deposits | 47.3865% | 6,674 |
| Total domestic deposits to total assets | 87.1597% | 2,664 |
| Equity capital to assets | 9.1302% | 5,376 |
| Core capital (leverage) ratio | 7.6442% | 6,570 |
| Tier 1 risk-based capital ratio | 14.8287% | 3,741 |
| Total risk-based capital ratio | 16.0603% | 3,733 |
| Memoranda: | ||
| Average total assets | $138,672,400 | 3,998 |
| Average earning assets | $127,991,400 | 3,971 |
| Average equity | $11,807,200 | 4,598 |
| Average total loans | $55,200,600 | 5,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 6,019 |
| Cost of funding earning assets | 1.2108% | 2,251 |
| Net interest margin | 3.0647% | 6,459 |
| Noninterest income to average assets | 0.9350% | 1,532 |
| Noninterest expense to average assets | 2.4376% | 5,665 |
| Loan and lease loss provision to assets | 0.1276% | 4,836 |
| Net operating income to assets | 0.9863% | 2,372 |
| Return on assets (ROA) | 0.9863% | 2,525 |
| Pretax return on assets | 1.1942% | 2,655 |
| Return on Equity (ROE) | 11.8030% | 1,593 |
| Retained earnings to average equity (ytd only) | 9.2340% | 1,061 |
| Net charge-offs to loans | 0.4479% | 2,933 |
| Credit loss provision to net charge-offs | 72.1311% | 4,414 |
| Earnings coverage of net charge-offs (x) | 7.4701% | 2,358 |
| Efficiency ratio | 64.8405% | 4,926 |
| Assets per employee ($millions) | 3.9816% | 3,890 |
| Cash dividends to net income (ytd only)* | 21.7645% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,682 |
| Loan loss allowance to noncurrent loans | 182.2695% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 5,828 |
| Noncurrent loans to loans | 0.7521% | 5,372 |
| Net loans and leases to total assets | 39.8074% | 6,648 |
| Net loans and leases to deposits | 45.5324% | 6,757 |
| Net loans and leases to core deposits | 46.6399% | 6,819 |
| Total domestic deposits to total assets | 87.4264% | 2,395 |
| Equity capital to assets | 9.0237% | 5,733 |
| Core capital (leverage) ratio | 7.5033% | 6,763 |
| Tier 1 risk-based capital ratio | 14.4555% | 4,005 |
| Total risk-based capital ratio | 15.5137% | 4,113 |
| Memoranda: | ||
| Average total assets | $137,889,500 | 4,038 |
| Average earning assets | $127,079,000 | 4,012 |
| Average equity | $11,522,250 | 4,686 |
| Average total loans | $54,474,750 | 5,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 6,151 |
| Cost of funding earning assets | 1.2472% | 2,267 |
| Net interest margin | 3.0060% | 6,594 |
| Noninterest income to average assets | 0.9258% | 1,552 |
| Noninterest expense to average assets | 2.3770% | 5,912 |
| Loan and lease loss provision to assets | 0.1033% | 5,017 |
| Net operating income to assets | 0.9738% | 2,341 |
| Return on assets (ROA) | 0.9738% | 2,443 |
| Pretax return on assets | 1.2169% | 2,414 |
| Return on Equity (ROE) | 11.9771% | 1,499 |
| Retained earnings to average equity (ytd only) | 8.0026% | 1,463 |
| Net charge-offs to loans | 0.5271% | 2,514 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 6.3873% | 2,401 |
| Efficiency ratio | 64.2913% | 5,185 |
| Assets per employee ($millions) | 4.2045% | 3,343 |
| Cash dividends to net income (ytd only)* | 33.1839% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 4,729 |
| Loan loss allowance to noncurrent loans | 79.7240% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,110 |
| Noncurrent loans to loans | 1.7191% | 3,859 |
| Net loans and leases to total assets | 38.9514% | 6,806 |
| Net loans and leases to deposits | 44.3515% | 6,909 |
| Net loans and leases to core deposits | 45.4289% | 6,963 |
| Total domestic deposits to total assets | 87.8241% | 2,264 |
| Equity capital to assets | 8.5362% | 6,145 |
| Core capital (leverage) ratio | 7.2031% | 6,916 |
| Tier 1 risk-based capital ratio | 14.0916% | 4,101 |
| Total risk-based capital ratio | 15.1394% | 4,215 |
| Memoranda: | ||
| Average total assets | $137,400,670 | 4,075 |
| Average earning assets | $126,680,330 | 4,052 |
| Average equity | $11,171,330 | 4,768 |
| Average total loans | $53,884,670 | 5,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 6,269 |
| Cost of funding earning assets | 1.3133% | 2,108 |
| Net interest margin | 2.8932% | 6,770 |
| Noninterest income to average assets | 1.0239% | 1,258 |
| Noninterest expense to average assets | 2.3668% | 5,996 |
| Loan and lease loss provision to assets | 0.0614% | 5,228 |
| Net operating income to assets | 1.0327% | 2,058 |
| Return on assets (ROA) | 1.0327% | 2,109 |
| Pretax return on assets | 1.2638% | 2,151 |
| Return on Equity (ROE) | 13.0318% | 1,185 |
| Retained earnings to average equity (ytd only) | 13.0318% | 582 |
| Net charge-offs to loans | 0.8984% | 1,472 |
| Credit loss provision to net charge-offs | 17.5000% | 4,286 |
| Earnings coverage of net charge-offs (x) | 3.7750% | 2,637 |
| Efficiency ratio | 64.1046% | 5,353 |
| Assets per employee ($millions) | 4.0773% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,793 |
| Loan loss allowance to noncurrent loans | 161.3839% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 5,916 |
| Noncurrent loans to loans | 0.8512% | 5,342 |
| Net loans and leases to total assets | 37.4431% | 6,936 |
| Net loans and leases to deposits | 41.8750% | 7,029 |
| Net loans and leases to core deposits | 43.0353% | 7,073 |
| Total domestic deposits to total assets | 89.4164% | 1,523 |
| Equity capital to assets | 7.9579% | 6,537 |
| Core capital (leverage) ratio | 7.5861% | 6,669 |
| Tier 1 risk-based capital ratio | 15.1189% | 3,363 |
| Total risk-based capital ratio | 16.1474% | 3,445 |
| Memoranda: | ||
| Average total assets | $136,726,000 | 4,125 |
| Average earning assets | $126,090,500 | 4,105 |
| Average equity | $10,835,000 | 4,837 |
| Average total loans | $53,429,000 | 5,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 5,945 |
| Cost of funding earning assets | 1.4984% | 2,645 |
| Net interest margin | 3.1543% | 6,377 |
| Noninterest income to average assets | 0.9643% | 1,630 |
| Noninterest expense to average assets | 5.9745% | 235 |
| Loan and lease loss provision to assets | 0.2405% | 4,880 |
| Net operating income to assets | -1.3907% | 6,870 |
| Return on assets (ROA) | -1.3212% | 6,863 |
| Pretax return on assets | -2.2972% | 7,114 |
| Return on Equity (ROE) | -13.1093% | 6,844 |
| Retained earnings to average equity (ytd only) | -18.4900% | 6,985 |
| Net charge-offs to loans | 0.2976% | 4,530 |
| Credit loss provision to net charge-offs | 190.1840% | 1,699 |
| Earnings coverage of net charge-offs (x) | -17.1227% | 6,814 |
| Efficiency ratio | 156.8432% | 177 |
| Assets per employee ($millions) | 3.8521% | 4,129 |
| Cash dividends to net income (ytd only)* | -41.0452% | 7,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,919 |
| Loan loss allowance to noncurrent loans | 65.6550% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 4,882 |
| Noncurrent loans to loans | 2.3088% | 3,213 |
| Net loans and leases to total assets | 39.6119% | 6,986 |
| Net loans and leases to deposits | 44.4976% | 7,103 |
| Net loans and leases to core deposits | 45.3666% | 7,160 |
| Total domestic deposits to total assets | 89.0204% | 1,653 |
| Equity capital to assets | 7.8903% | 6,594 |
| Core capital (leverage) ratio | 7.5453% | 6,663 |
| Tier 1 risk-based capital ratio | 14.5034% | 3,543 |
| Total risk-based capital ratio | 15.6640% | 3,561 |
| Memoranda: | ||
| Average total assets | $128,898,600 | 4,295 |
| Average earning assets | $116,253,800 | 4,311 |
| Average equity | $12,990,800 | 4,364 |
| Average total loans | $54,769,200 | 5,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 5,850 |
| Cost of funding earning assets | 1.5364% | 2,744 |
| Net interest margin | 3.2140% | 6,294 |
| Noninterest income to average assets | 0.9439% | 1,636 |
| Noninterest expense to average assets | 2.4758% | 5,802 |
| Loan and lease loss provision to assets | 0.1883% | 5,160 |
| Net operating income to assets | 0.9129% | 2,561 |
| Return on assets (ROA) | 1.0286% | 2,248 |
| Pretax return on assets | 1.3070% | 2,150 |
| Return on Equity (ROE) | 9.6519% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.9683% | 3,014 |
| Net charge-offs to loans | 0.3885% | 3,733 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 8.0562% | 2,222 |
| Efficiency ratio | 64.7332% | 5,101 |
| Assets per employee ($millions) | 3.7227% | 4,460 |
| Cash dividends to net income (ytd only)* | 48.5248% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,513 |
| Loan loss allowance to noncurrent loans | 68.1373% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 5,233 |
| Noncurrent loans to loans | 1.7557% | 4,008 |
| Net loans and leases to total assets | 44.0558% | 6,838 |
| Net loans and leases to deposits | 51.1044% | 6,941 |
| Net loans and leases to core deposits | 52.1879% | 7,042 |
| Total domestic deposits to total assets | 86.2076% | 2,971 |
| Equity capital to assets | 11.0057% | 2,957 |
| Core capital (leverage) ratio | 10.1889% | 3,055 |
| Tier 1 risk-based capital ratio | 18.2799% | 1,940 |
| Total risk-based capital ratio | 19.2437% | 1,988 |
| Memoranda: | ||
| Average total assets | $127,417,500 | 4,381 |
| Average earning assets | $114,204,250 | 4,424 |
| Average equity | $13,579,000 | 4,308 |
| Average total loans | $54,904,500 | 5,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 5,974 |
| Cost of funding earning assets | 1.5612% | 2,900 |
| Net interest margin | 3.1895% | 6,349 |
| Noninterest income to average assets | 0.9126% | 1,650 |
| Noninterest expense to average assets | 2.4482% | 5,915 |
| Loan and lease loss provision to assets | 0.1423% | 5,473 |
| Net operating income to assets | 0.9327% | 2,429 |
| Return on assets (ROA) | 1.0027% | 2,268 |
| Pretax return on assets | 1.2700% | 2,188 |
| Return on Equity (ROE) | 9.5157% | 2,268 |
| Retained earnings to average equity (ytd only) | 2.3564% | 4,660 |
| Net charge-offs to loans | 0.0334% | 5,886 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 353 |
| Efficiency ratio | 64.9057% | 5,164 |
| Assets per employee ($millions) | 3.6866% | 4,510 |
| Cash dividends to net income (ytd only)* | 75.2366% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,608 |
| Loan loss allowance to noncurrent loans | 63.5067% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 5,055 |
| Noncurrent loans to loans | 2.1468% | 3,531 |
| Net loans and leases to total assets | 43.6937% | 6,947 |
| Net loans and leases to deposits | 50.7586% | 7,037 |
| Net loans and leases to core deposits | 52.1203% | 7,130 |
| Total domestic deposits to total assets | 86.0814% | 3,037 |
| Equity capital to assets | 10.9364% | 2,932 |
| Core capital (leverage) ratio | 10.1217% | 3,035 |
| Tier 1 risk-based capital ratio | 18.2555% | 1,884 |
| Total risk-based capital ratio | 19.3323% | 1,906 |
| Memoranda: | ||
| Average total assets | $126,458,000 | 4,436 |
| Average earning assets | $113,372,000 | 4,464 |
| Average equity | $13,325,330 | 4,369 |
| Average total loans | $53,840,000 | 5,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 6,221 |
| Cost of funding earning assets | 1.5628% | 3,184 |
| Net interest margin | 3.1432% | 6,478 |
| Noninterest income to average assets | 0.8975% | 1,634 |
| Noninterest expense to average assets | 2.4501% | 5,908 |
| Loan and lease loss provision to assets | 0.1417% | 5,133 |
| Net operating income to assets | 0.8950% | 2,563 |
| Return on assets (ROA) | 1.0361% | 2,111 |
| Pretax return on assets | 1.2880% | 2,082 |
| Return on Equity (ROE) | 10.0198% | 2,098 |
| Retained earnings to average equity (ytd only) | 2.1014% | 4,873 |
| Net charge-offs to loans | -0.0226% | 7,106 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1565% | 5,084 |
| Assets per employee ($millions) | 3.5785% | 4,871 |
| Cash dividends to net income (ytd only)* | 79.0274% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 4,421 |
| Loan loss allowance to noncurrent loans | 33.8325% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 3,793 |
| Noncurrent loans to loans | 4.1365% | 1,869 |
| Net loans and leases to total assets | 40.6705% | 7,207 |
| Net loans and leases to deposits | 46.7275% | 7,295 |
| Net loans and leases to core deposits | 47.9665% | 7,364 |
| Total domestic deposits to total assets | 87.0377% | 2,614 |
| Equity capital to assets | 10.5295% | 3,218 |
| Core capital (leverage) ratio | 10.1460% | 2,987 |
| Tier 1 risk-based capital ratio | 18.8225% | 1,762 |
| Total risk-based capital ratio | 19.8901% | 1,770 |
| Memoranda: | ||
| Average total assets | $127,015,500 | 4,479 |
| Average earning assets | $113,389,000 | 4,530 |
| Average equity | $13,134,000 | 4,444 |
| Average total loans | $52,998,000 | 5,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 5,299 |
| Cost of funding earning assets | 1.7871% | 4,058 |
| Net interest margin | 3.4897% | 5,006 |
| Noninterest income to average assets | 1.0146% | 1,522 |
| Noninterest expense to average assets | 2.8235% | 4,872 |
| Loan and lease loss provision to assets | 0.2202% | 5,603 |
| Net operating income to assets | 0.8047% | 2,522 |
| Return on assets (ROA) | 0.7976% | 2,633 |
| Pretax return on assets | 1.0730% | 2,331 |
| Return on Equity (ROE) | 7.6892% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.4005% | 2,166 |
| Net charge-offs to loans | 0.0184% | 6,963 |
| Credit loss provision to net charge-offs | 2,750.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 162.7000% | 180 |
| Efficiency ratio | 68.4262% | 4,938 |
| Assets per employee ($millions) | 3.6795% | 4,571 |
| Cash dividends to net income (ytd only)* | 42.7711% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,114 |
| Loan loss allowance to noncurrent loans | 31.0060% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8271% | 3,633 |
| Noncurrent loans to loans | 4.0067% | 1,852 |
| Net loans and leases to total assets | 41.6662% | 7,265 |
| Net loans and leases to deposits | 47.5435% | 7,373 |
| Net loans and leases to core deposits | 53.8404% | 7,472 |
| Total domestic deposits to total assets | 87.6381% | 2,151 |
| Equity capital to assets | 10.1566% | 3,554 |
| Core capital (leverage) ratio | 9.8405% | 3,285 |
| Tier 1 risk-based capital ratio | 17.8793% | 1,921 |
| Total risk-based capital ratio | 18.8312% | 1,964 |
| Memoranda: | ||
| Average total assets | $124,882,400 | 4,447 |
| Average earning assets | $111,356,600 | 4,524 |
| Average equity | $12,953,200 | 4,521 |
| Average total loans | $54,318,600 | 5,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 5,119 |
| Cost of funding earning assets | 1.8500% | 4,155 |
| Net interest margin | 3.5138% | 4,809 |
| Noninterest income to average assets | 1.0707% | 1,384 |
| Noninterest expense to average assets | 2.7515% | 5,101 |
| Loan and lease loss provision to assets | 0.1184% | 6,182 |
| Net operating income to assets | 1.0306% | 1,962 |
| Return on assets (ROA) | 1.0513% | 1,959 |
| Pretax return on assets | 1.3569% | 1,809 |
| Return on Equity (ROE) | 10.0811% | 1,885 |
| Retained earnings to average equity (ytd only) | 7.9143% | 1,162 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5137% | 5,453 |
| Assets per employee ($millions) | 3.5271% | 4,859 |
| Cash dividends to net income (ytd only)* | 21.4942% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,469 |
| Loan loss allowance to noncurrent loans | 23.0496% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9522% | 3,415 |
| Noncurrent loans to loans | 4.1792% | 1,730 |
| Net loans and leases to total assets | 43.3065% | 7,292 |
| Net loans and leases to deposits | 50.0187% | 7,409 |
| Net loans and leases to core deposits | 56.5336% | 7,530 |
| Total domestic deposits to total assets | 86.5806% | 2,386 |
| Equity capital to assets | 11.1075% | 2,915 |
| Core capital (leverage) ratio | 10.3830% | 2,897 |
| Tier 1 risk-based capital ratio | 18.6655% | 1,827 |
| Total risk-based capital ratio | 19.4195% | 1,887 |
| Memoranda: | ||
| Average total assets | $123,907,250 | 4,503 |
| Average earning assets | $110,342,000 | 4,579 |
| Average equity | $12,921,500 | 4,563 |
| Average total loans | $54,314,750 | 5,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 4,847 |
| Cost of funding earning assets | 1.9418% | 4,052 |
| Net interest margin | 3.5181% | 4,712 |
| Noninterest income to average assets | 1.1752% | 1,131 |
| Noninterest expense to average assets | 2.7422% | 5,211 |
| Loan and lease loss provision to assets | 0.0725% | 6,470 |
| Net operating income to assets | 1.1265% | 1,678 |
| Return on assets (ROA) | 1.1349% | 1,732 |
| Pretax return on assets | 1.5057% | 1,428 |
| Return on Equity (ROE) | 11.1234% | 1,669 |
| Retained earnings to average equity (ytd only) | 7.8053% | 1,273 |
| Net charge-offs to loans | 0.0110% | 6,410 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 117 |
| Efficiency ratio | 63.6364% | 5,973 |
| Assets per employee ($millions) | 3.3324% | 5,231 |
| Cash dividends to net income (ytd only)* | 29.8295% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 6,932 |
| Loan loss allowance to noncurrent loans | 25.0138% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 3,720 |
| Noncurrent loans to loans | 3.4475% | 2,041 |
| Net loans and leases to total assets | 43.3148% | 7,371 |
| Net loans and leases to deposits | 49.8810% | 7,488 |
| Net loans and leases to core deposits | 56.2504% | 7,581 |
| Total domestic deposits to total assets | 86.8363% | 2,340 |
| Equity capital to assets | 10.6322% | 3,267 |
| Core capital (leverage) ratio | 10.0703% | 3,220 |
| Tier 1 risk-based capital ratio | 19.1051% | 1,761 |
| Total risk-based capital ratio | 19.7905% | 1,823 |
| Memoranda: | ||
| Average total assets | $124,060,330 | 4,528 |
| Average earning assets | $110,514,000 | 4,613 |
| Average equity | $12,658,000 | 4,641 |
| Average total loans | $54,426,000 | 5,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 5,127 |
| Cost of funding earning assets | 2.0196% | 4,036 |
| Net interest margin | 3.4383% | 4,979 |
| Noninterest income to average assets | 1.2434% | 925 |
| Noninterest expense to average assets | 2.6517% | 5,215 |
| Loan and lease loss provision to assets | 0.0476% | 6,376 |
| Net operating income to assets | 1.2170% | 1,613 |
| Return on assets (ROA) | 1.2339% | 1,659 |
| Pretax return on assets | 1.6335% | 1,324 |
| Return on Equity (ROE) | 12.3399% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.3399% | 736 |
| Net charge-offs to loans | -0.0144% | 7,362 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5158% | 6,150 |
| Assets per employee ($millions) | 3.5841% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 7,178 |
| Loan loss allowance to noncurrent loans | 22.0330% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 3,004 |
| Noncurrent loans to loans | 3.6053% | 1,748 |
| Net loans and leases to total assets | 42.5113% | 7,436 |
| Net loans and leases to deposits | 48.7214% | 7,550 |
| Net loans and leases to core deposits | 54.7753% | 7,656 |
| Total domestic deposits to total assets | 87.2539% | 2,090 |
| Equity capital to assets | 10.1553% | 3,819 |
| Core capital (leverage) ratio | 9.9310% | 3,482 |
| Tier 1 risk-based capital ratio | 18.3952% | 1,959 |
| Total risk-based capital ratio | 19.0237% | 2,055 |
| Memoranda: | ||
| Average total assets | $126,107,500 | 4,490 |
| Average earning assets | $112,496,500 | 4,574 |
| Average equity | $12,609,500 | 4,676 |
| Average total loans | $55,431,500 | 5,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7783% | 6,508 |
| Cost of funding earning assets | 2.2910% | 5,199 |
| Net interest margin | 3.4873% | 5,339 |
| Noninterest income to average assets | 0.8681% | 2,118 |
| Noninterest expense to average assets | 2.7248% | 5,155 |
| Loan and lease loss provision to assets | 0.1630% | 5,293 |
| Net operating income to assets | 0.8080% | 3,406 |
| Return on assets (ROA) | 0.8099% | 3,235 |
| Pretax return on assets | 1.0926% | 3,052 |
| Return on Equity (ROE) | 8.1237% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.8208% | 2,132 |
| Net charge-offs to loans | 0.0224% | 6,534 |
| Credit loss provision to net charge-offs | 1,633.3333% | 265 |
| Earnings coverage of net charge-offs (x) | 125.5833% | 356 |
| Efficiency ratio | 68.4992% | 4,632 |
| Assets per employee ($millions) | 3.5215% | 4,613 |
| Cash dividends to net income (ytd only)* | 40.6571% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 7,378 |
| Loan loss allowance to noncurrent loans | 30.0146% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 3,226 |
| Noncurrent loans to loans | 2.3919% | 2,296 |
| Net loans and leases to total assets | 44.7248% | 7,421 |
| Net loans and leases to deposits | 50.9961% | 7,583 |
| Net loans and leases to core deposits | 60.0193% | 7,588 |
| Total domestic deposits to total assets | 87.7024% | 1,607 |
| Equity capital to assets | 9.8444% | 4,232 |
| Core capital (leverage) ratio | 9.7272% | 3,733 |
| Tier 1 risk-based capital ratio | 17.2273% | 2,246 |
| Total risk-based capital ratio | 17.8101% | 2,396 |
| Memoranda: | ||
| Average total assets | $120,267,800 | 4,511 |
| Average earning assets | $107,247,000 | 4,588 |
| Average equity | $11,989,600 | 4,829 |
| Average total loans | $53,457,800 | 5,552 |