Home > Kaw Valley State Bank and Trust Company > Performance and Condition Ratios
Kaw Valley State Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 3,074 |
| Cost of funding earning assets | 1.9980% | 1,935 |
| Net interest margin | 3.0260% | 3,347 |
| Noninterest income to average assets | 0.5400% | 1,566 |
| Noninterest expense to average assets | 2.1428% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3048% | 1,468 |
| Return on assets (ROA) | 1.3406% | 1,380 |
| Pretax return on assets | 1.3928% | 1,754 |
| Return on Equity (ROE) | 13.1000% | 1,464 |
| Retained earnings to average equity (ytd only) | 9.1068% | 1,417 |
| Net charge-offs to loans | 0.0139% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 181.8000% | 453 |
| Efficiency ratio | 61.2532% | 2,800 |
| Assets per employee ($millions) | 6.4385% | 2,606 |
| Cash dividends to net income (ytd only)* | 30.4783% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,018 |
| Loan loss allowance to noncurrent loans | 647.6608% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 2,875 |
| Noncurrent loans to loans | 0.2318% | 2,666 |
| Net loans and leases to total assets | 53.7500% | 3,360 |
| Net loans and leases to deposits | 64.4054% | 3,245 |
| Net loans and leases to core deposits | 73.9638% | 3,083 |
| Total domestic deposits to total assets | 83.4500% | 3,046 |
| Equity capital to assets | 10.4417% | 1,952 |
| Core capital (leverage) ratio | 11.4901% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $268,245,000 | 2,633 |
| Average earning assets | $261,867,000 | 2,569 |
| Average equity | $27,452,000 | 2,570 |
| Average total loans | $143,741,500 | 2,827 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 3,326 |
| Cost of funding earning assets | 1.9040% | 2,450 |
| Net interest margin | 2.9512% | 3,231 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.0338% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3378% | 1,200 |
| Return on assets (ROA) | 1.3695% | 1,127 |
| Pretax return on assets | 1.4094% | 1,489 |
| Return on Equity (ROE) | 14.0300% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.9785% | 1,834 |
| Net charge-offs to loans | 0.0160% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 578 |
| Efficiency ratio | 59.6341% | 3,206 |
| Assets per employee ($millions) | 5.9128% | 2,943 |
| Cash dividends to net income (ytd only)* | 57.3818% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 825 |
| Loan loss allowance to noncurrent loans | 2,707.3171% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,467 |
| Noncurrent loans to loans | 0.0586% | 3,352 |
| Net loans and leases to total assets | 51.7600% | 3,537 |
| Net loans and leases to deposits | 61.6926% | 3,451 |
| Net loans and leases to core deposits | 69.9433% | 3,358 |
| Total domestic deposits to total assets | 83.8900% | 2,810 |
| Equity capital to assets | 10.0227% | 2,119 |
| Core capital (leverage) ratio | 11.4677% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $253,222,200 | 2,684 |
| Average earning assets | $245,898,200 | 2,613 |
| Average equity | $24,721,800 | 2,658 |
| Average total loans | $131,356,200 | 2,892 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 3,419 |
| Cost of funding earning assets | 1.8553% | 2,584 |
| Net interest margin | 2.9232% | 3,250 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 1.9711% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3908% | 1,113 |
| Return on assets (ROA) | 1.4170% | 1,067 |
| Pretax return on assets | 1.4522% | 1,399 |
| Return on Equity (ROE) | 14.6200% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.9721% | 2,868 |
| Net charge-offs to loans | 0.0134% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 205.6154% | 514 |
| Efficiency ratio | 58.0311% | 3,347 |
| Assets per employee ($millions) | 6.2557% | 2,692 |
| Cash dividends to net income (ytd only)* | 72.8265% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 650 |
| Loan loss allowance to noncurrent loans | 1,334.1317% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,267 |
| Noncurrent loans to loans | 0.1279% | 3,037 |
| Net loans and leases to total assets | 50.0300% | 3,633 |
| Net loans and leases to deposits | 60.1245% | 3,582 |
| Net loans and leases to core deposits | 66.2208% | 3,561 |
| Total domestic deposits to total assets | 83.2200% | 2,784 |
| Equity capital to assets | 10.3083% | 2,099 |
| Core capital (leverage) ratio | 11.6659% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $250,009,000 | 2,695 |
| Average earning assets | $242,466,000 | 2,629 |
| Average equity | $24,235,250 | 2,672 |
| Average total loans | $129,212,250 | 2,911 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 3,503 |
| Cost of funding earning assets | 1.7845% | 2,663 |
| Net interest margin | 2.9001% | 3,251 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 1.9342% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3932% | 1,090 |
| Return on assets (ROA) | 1.4138% | 1,061 |
| Pretax return on assets | 1.4428% | 1,392 |
| Return on Equity (ROE) | 14.9100% | 991 |
| Retained earnings to average equity (ytd only) | 4.4254% | 2,552 |
| Net charge-offs to loans | 0.0186% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 146.8333% | 608 |
| Efficiency ratio | 57.6340% | 3,424 |
| Assets per employee ($millions) | 5.7602% | 3,011 |
| Cash dividends to net income (ytd only)* | 70.3196% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 731 |
| Loan loss allowance to noncurrent loans | 1,547.9167% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,267 |
| Noncurrent loans to loans | 0.1075% | 3,117 |
| Net loans and leases to total assets | 53.2000% | 3,460 |
| Net loans and leases to deposits | 63.4395% | 3,389 |
| Net loans and leases to core deposits | 68.0910% | 3,456 |
| Total domestic deposits to total assets | 83.8600% | 2,651 |
| Equity capital to assets | 9.4921% | 2,395 |
| Core capital (leverage) ratio | 11.6905% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $247,851,000 | 2,707 |
| Average earning assets | $240,406,333 | 2,641 |
| Average equity | $23,500,667 | 2,684 |
| Average total loans | $128,764,333 | 2,916 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 3,528 |
| Cost of funding earning assets | 1.7038% | 2,758 |
| Net interest margin | 2.8946% | 3,207 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 1.8763% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4456% | 981 |
| Return on assets (ROA) | 1.4472% | 986 |
| Pretax return on assets | 1.4569% | 1,335 |
| Return on Equity (ROE) | 15.2700% | 948 |
| Retained earnings to average equity (ytd only) | 11.2362% | 876 |
| Net charge-offs to loans | 0.0063% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 214 |
| Efficiency ratio | 56.3196% | 3,570 |
| Assets per employee ($millions) | 6.2336% | 2,652 |
| Cash dividends to net income (ytd only)* | 26.4214% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 649 |
| Loan loss allowance to noncurrent loans | 2,946.0526% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,514 |
| Noncurrent loans to loans | 0.0582% | 3,343 |
| Net loans and leases to total assets | 51.4900% | 3,521 |
| Net loans and leases to deposits | 61.4442% | 3,426 |
| Net loans and leases to core deposits | 65.1369% | 3,554 |
| Total domestic deposits to total assets | 83.8000% | 2,780 |
| Equity capital to assets | 9.5543% | 2,291 |
| Core capital (leverage) ratio | 11.6032% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $247,931,500 | 2,712 |
| Average earning assets | $240,174,000 | 2,652 |
| Average equity | $23,495,500 | 2,684 |
| Average total loans | $126,148,500 | 2,935 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0308% | 20 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 34,716.0000% | 29 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 2,100.0000% | 3 |
| Noninterest income to average assets | 0.0267% | 4,490 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2471% | 1,519 |
| Pretax return on assets | 1.3299% | 1,796 |
| Return on Equity (ROE) | 14.6300% | 1,359 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0058% | 2,486 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 4.1859% | 2,602 |
| Efficiency ratio | 6.4246% | 4,560 |
| Assets per employee ($millions) | 0.0676% | 4,564 |
| Cash dividends to net income (ytd only)* | 74.0000% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 3,756.0000% | 26 |
| Total domestic deposits to total assets | 102,110.0000% | 4 |
| Equity capital to assets | 303,727.0000% | 6 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $359,045,000 | 2,164 |
| Average earning assets | $3,245 | 4,583 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,989 |
| Cost of funding earning assets | 1.1541% | 2,581 |
| Net interest margin | 2.7519% | 3,806 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 1.9369% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3596% | 1,401 |
| Return on assets (ROA) | 1.4057% | 1,293 |
| Pretax return on assets | 1.4839% | 1,591 |
| Return on Equity (ROE) | 16.9400% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.8132% | 2,994 |
| Net charge-offs to loans | -0.0058% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.4346% | 3,271 |
| Assets per employee ($millions) | 6.1581% | 2,612 |
| Cash dividends to net income (ytd only)* | 71.5798% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 499 |
| Loan loss allowance to noncurrent loans | 869.7674% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,876 |
| Noncurrent loans to loans | 0.2157% | 2,487 |
| Net loans and leases to total assets | 47.6600% | 3,757 |
| Net loans and leases to deposits | 55.9793% | 3,711 |
| Net loans and leases to core deposits | 58.8794% | 3,746 |
| Total domestic deposits to total assets | 85.1300% | 2,460 |
| Equity capital to assets | 8.0760% | 3,012 |
| Core capital (leverage) ratio | 11.3310% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $241,961,250 | 2,731 |
| Average earning assets | $235,902,000 | 2,659 |
| Average equity | $20,083,250 | 2,844 |
| Average total loans | $115,665,750 | 3,004 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 4,035 |
| Cost of funding earning assets | 0.9640% | 2,723 |
| Net interest margin | 2.8248% | 3,785 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 1.9317% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4909% | 1,119 |
| Return on assets (ROA) | 1.5276% | 1,051 |
| Pretax return on assets | 1.6207% | 1,370 |
| Return on Equity (ROE) | 18.2400% | 924 |
| Retained earnings to average equity (ytd only) | 7.7234% | 2,061 |
| Net charge-offs to loans | 0.0035% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 951.0000% | 154 |
| Efficiency ratio | 54.9822% | 3,535 |
| Assets per employee ($millions) | 5.8678% | 2,825 |
| Cash dividends to net income (ytd only)* | 57.6483% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 497 |
| Loan loss allowance to noncurrent loans | 880.7087% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 2,817 |
| Noncurrent loans to loans | 0.2154% | 2,405 |
| Net loans and leases to total assets | 46.9300% | 3,745 |
| Net loans and leases to deposits | 55.2729% | 3,682 |
| Net loans and leases to core deposits | 57.9585% | 3,721 |
| Total domestic deposits to total assets | 84.9100% | 2,569 |
| Equity capital to assets | 8.3868% | 2,959 |
| Core capital (leverage) ratio | 11.2888% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $240,507,667 | 2,745 |
| Average earning assets | $234,638,000 | 2,681 |
| Average equity | $20,146,667 | 2,855 |
| Average total loans | $114,342,333 | 3,013 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,211 |
| Cost of funding earning assets | 0.7010% | 3,050 |
| Net interest margin | 2.8539% | 3,859 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.8894% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3230% | 1,611 |
| Return on assets (ROA) | 1.3337% | 1,552 |
| Pretax return on assets | 1.4718% | 1,726 |
| Return on Equity (ROE) | 15.9300% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.7702% | 2,010 |
| Net charge-offs to loans | 0.0249% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 123.8571% | 695 |
| Efficiency ratio | 56.4103% | 3,364 |
| Assets per employee ($millions) | 5.9716% | 2,784 |
| Cash dividends to net income (ytd only)* | 44.9495% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 477 |
| Loan loss allowance to noncurrent loans | 562.4685% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,374 |
| Noncurrent loans to loans | 0.3483% | 1,896 |
| Net loans and leases to total assets | 45.6500% | 3,791 |
| Net loans and leases to deposits | 53.8021% | 3,699 |
| Net loans and leases to core deposits | 55.2703% | 3,781 |
| Total domestic deposits to total assets | 84.8400% | 2,895 |
| Equity capital to assets | 8.4575% | 2,924 |
| Core capital (leverage) ratio | 11.7893% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $237,538,500 | 2,809 |
| Average earning assets | $231,685,000 | 2,729 |
| Average equity | $19,885,500 | 2,906 |
| Average total loans | $112,566,000 | 3,069 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2185% | 3,788 |
| Cost of funding earning assets | 0.3456% | 2,515 |
| Net interest margin | 2.8729% | 3,746 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 1.9819% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4410% | 1,024 |
| Return on assets (ROA) | 1.3996% | 1,093 |
| Pretax return on assets | 1.4372% | 1,671 |
| Return on Equity (ROE) | 16.0600% | 1,045 |
| Retained earnings to average equity (ytd only) | 9.8403% | 1,208 |
| Net charge-offs to loans | -0.0234% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.2504% | 3,435 |
| Assets per employee ($millions) | 5.3545% | 3,366 |
| Cash dividends to net income (ytd only)* | 38.7363% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 421 |
| Loan loss allowance to noncurrent loans | 1,056.1321% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,078 |
| Noncurrent loans to loans | 0.1908% | 2,527 |
| Net loans and leases to total assets | 47.3000% | 3,720 |
| Net loans and leases to deposits | 51.8804% | 3,809 |
| Net loans and leases to core deposits | 52.7576% | 3,880 |
| Total domestic deposits to total assets | 91.1700% | 888 |
| Equity capital to assets | 8.2800% | 2,874 |
| Core capital (leverage) ratio | 11.6840% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $234,073,000 | 2,827 |
| Average earning assets | $228,615,600 | 2,745 |
| Average equity | $20,395,800 | 2,917 |
| Average total loans | $106,938,000 | 3,062 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2051% | 3,423 |
| Cost of funding earning assets | 0.2943% | 2,234 |
| Net interest margin | 2.9108% | 3,461 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.8579% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6197% | 629 |
| Return on assets (ROA) | 1.6400% | 591 |
| Pretax return on assets | 1.6911% | 918 |
| Return on Equity (ROE) | 18.6000% | 565 |
| Retained earnings to average equity (ytd only) | 10.4329% | 1,219 |
| Net charge-offs to loans | -0.0315% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.6612% | 3,957 |
| Assets per employee ($millions) | 5.6603% | 3,067 |
| Cash dividends to net income (ytd only)* | 43.8948% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 411 |
| Loan loss allowance to noncurrent loans | 774.7405% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 1,985 |
| Noncurrent loans to loans | 0.2707% | 2,291 |
| Net loans and leases to total assets | 45.0300% | 3,815 |
| Net loans and leases to deposits | 49.1073% | 3,908 |
| Net loans and leases to core deposits | 49.7520% | 3,965 |
| Total domestic deposits to total assets | 91.7100% | 970 |
| Equity capital to assets | 7.6144% | 3,146 |
| Core capital (leverage) ratio | 11.3155% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $235,030,750 | 2,838 |
| Average earning assets | $229,669,750 | 2,765 |
| Average equity | $20,728,750 | 2,928 |
| Average total loans | $105,888,250 | 3,082 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7278% | 4,101 |
| Cost of funding earning assets | 0.2720% | 2,003 |
| Net interest margin | 2.4558% | 4,153 |
| Noninterest income to average assets | 0.6813% | 1,427 |
| Noninterest expense to average assets | 2.0151% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0180% | 2,093 |
| Return on assets (ROA) | 1.0228% | 2,044 |
| Pretax return on assets | 1.0737% | 2,503 |
| Return on Equity (ROE) | 11.0999% | 1,948 |
| Retained earnings to average equity (ytd only) | 2.7037% | 3,548 |
| Net charge-offs to loans | -0.0587% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3476% | 2,602 |
| Assets per employee ($millions) | 5.5860% | 3,136 |
| Cash dividends to net income (ytd only)* | 75.6421% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 476 |
| Loan loss allowance to noncurrent loans | 108.8749% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 581 |
| Noncurrent loans to loans | 1.9005% | 349 |
| Net loans and leases to total assets | 45.2890% | 3,749 |
| Net loans and leases to deposits | 49.5634% | 3,828 |
| Net loans and leases to core deposits | 50.1139% | 3,928 |
| Total domestic deposits to total assets | 91.3759% | 1,073 |
| Equity capital to assets | 7.9804% | 3,139 |
| Core capital (leverage) ratio | 10.7151% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,016,333 | 2,850 |
| Average earning assets | $230,881,667 | 2,789 |
| Average equity | $21,748,000 | 2,923 |
| Average total loans | $105,600,000 | 3,117 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5943% | 4,125 |
| Cost of funding earning assets | 0.2695% | 1,935 |
| Net interest margin | 2.3249% | 4,197 |
| Noninterest income to average assets | 0.6860% | 1,364 |
| Noninterest expense to average assets | 1.9669% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9426% | 2,099 |
| Return on assets (ROA) | 0.9361% | 2,117 |
| Pretax return on assets | 0.9868% | 2,476 |
| Return on Equity (ROE) | 9.5269% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.8150% | 2,657 |
| Net charge-offs to loans | -0.0461% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4384% | 2,713 |
| Assets per employee ($millions) | 5.9289% | 2,868 |
| Cash dividends to net income (ytd only)* | 49.4585% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 447 |
| Loan loss allowance to noncurrent loans | 104.3601% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 543 |
| Noncurrent loans to loans | 2.0958% | 335 |
| Net loans and leases to total assets | 41.9755% | 3,883 |
| Net loans and leases to deposits | 46.3602% | 3,957 |
| Net loans and leases to core deposits | 46.8516% | 4,037 |
| Total domestic deposits to total assets | 90.5421% | 1,273 |
| Equity capital to assets | 8.8448% | 2,847 |
| Core capital (leverage) ratio | 10.9373% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,719,000 | 2,866 |
| Average earning assets | $231,581,500 | 2,792 |
| Average equity | $23,260,500 | 2,888 |
| Average total loans | $104,151,000 | 3,137 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 3,724 |
| Cost of funding earning assets | 0.3472% | 1,958 |
| Net interest margin | 2.7337% | 3,807 |
| Noninterest income to average assets | 0.9051% | 1,187 |
| Noninterest expense to average assets | 2.0059% | 3,658 |
| Loan and lease loss provision to assets | 0.0180% | 2,712 |
| Net operating income to assets | 1.4864% | 1,045 |
| Return on assets (ROA) | 1.5325% | 987 |
| Pretax return on assets | 1.6007% | 1,416 |
| Return on Equity (ROE) | 13.4702% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.2221% | 1,126 |
| Net charge-offs to loans | -0.0493% | 4,319 |
| Credit loss provision to net charge-offs | -75.4717% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0853% | 3,701 |
| Assets per employee ($millions) | 5.9071% | 2,856 |
| Cash dividends to net income (ytd only)* | 31.5373% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 541 |
| Loan loss allowance to noncurrent loans | 128.1250% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 761 |
| Noncurrent loans to loans | 1.6221% | 532 |
| Net loans and leases to total assets | 44.1483% | 3,825 |
| Net loans and leases to deposits | 49.8145% | 3,901 |
| Net loans and leases to core deposits | 50.4198% | 3,997 |
| Total domestic deposits to total assets | 88.6255% | 1,717 |
| Equity capital to assets | 10.8112% | 1,931 |
| Core capital (leverage) ratio | 10.9098% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,841,000 | 2,887 |
| Average earning assets | $217,766,000 | 2,828 |
| Average equity | $25,352,200 | 2,826 |
| Average total loans | $107,560,200 | 3,112 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 3,582 |
| Cost of funding earning assets | 0.3688% | 1,948 |
| Net interest margin | 2.8447% | 3,669 |
| Noninterest income to average assets | 0.8353% | 1,427 |
| Noninterest expense to average assets | 1.9336% | 3,851 |
| Loan and lease loss provision to assets | 0.0241% | 2,512 |
| Net operating income to assets | 1.6049% | 1,019 |
| Return on assets (ROA) | 1.6621% | 942 |
| Pretax return on assets | 1.7149% | 1,375 |
| Return on Equity (ROE) | 14.4163% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.7415% | 1,789 |
| Net charge-offs to loans | -0.0903% | 4,577 |
| Credit loss provision to net charge-offs | -54.7945% | 3,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5048% | 3,871 |
| Assets per employee ($millions) | 5.4648% | 3,229 |
| Cash dividends to net income (ytd only)* | 39.3640% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 529 |
| Loan loss allowance to noncurrent loans | 123.3573% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9694% | 696 |
| Noncurrent loans to loans | 1.7053% | 591 |
| Net loans and leases to total assets | 45.2961% | 3,849 |
| Net loans and leases to deposits | 51.4436% | 3,922 |
| Net loans and leases to core deposits | 52.0966% | 4,033 |
| Total domestic deposits to total assets | 88.0499% | 1,815 |
| Equity capital to assets | 11.1759% | 1,905 |
| Core capital (leverage) ratio | 11.0276% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,480,500 | 2,940 |
| Average earning assets | $214,378,000 | 2,872 |
| Average equity | $25,304,000 | 2,859 |
| Average total loans | $107,818,000 | 3,145 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 3,111 |
| Cost of funding earning assets | 0.3940% | 1,939 |
| Net interest margin | 3.0271% | 3,254 |
| Noninterest income to average assets | 0.8374% | 1,434 |
| Noninterest expense to average assets | 1.8479% | 4,076 |
| Loan and lease loss provision to assets | 0.0370% | 2,252 |
| Net operating income to assets | 1.8592% | 635 |
| Return on assets (ROA) | 1.9257% | 583 |
| Pretax return on assets | 1.9784% | 870 |
| Return on Equity (ROE) | 16.5235% | 856 |
| Retained earnings to average equity (ytd only) | 10.5763% | 1,224 |
| Net charge-offs to loans | -0.0166% | 3,907 |
| Credit loss provision to net charge-offs | -444.4444% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6954% | 4,342 |
| Assets per employee ($millions) | 5.1630% | 3,493 |
| Cash dividends to net income (ytd only)* | 35.9923% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 672 |
| Loan loss allowance to noncurrent loans | 114.0904% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 725 |
| Noncurrent loans to loans | 1.7081% | 620 |
| Net loans and leases to total assets | 48.0596% | 3,720 |
| Net loans and leases to deposits | 54.5928% | 3,821 |
| Net loans and leases to core deposits | 55.7383% | 3,910 |
| Total domestic deposits to total assets | 88.0330% | 1,800 |
| Equity capital to assets | 11.2539% | 1,788 |
| Core capital (leverage) ratio | 10.9116% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,133,667 | 2,964 |
| Average earning assets | $211,156,667 | 2,897 |
| Average equity | $25,188,333 | 2,864 |
| Average total loans | $108,358,000 | 3,146 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 2,817 |
| Cost of funding earning assets | 0.4277% | 1,875 |
| Net interest margin | 3.1069% | 2,964 |
| Noninterest income to average assets | 0.8888% | 1,362 |
| Noninterest expense to average assets | 2.0568% | 3,542 |
| Loan and lease loss provision to assets | 0.0570% | 1,976 |
| Net operating income to assets | 1.7627% | 840 |
| Return on assets (ROA) | 1.8916% | 725 |
| Pretax return on assets | 1.9429% | 1,041 |
| Return on Equity (ROE) | 15.9363% | 1,029 |
| Retained earnings to average equity (ytd only) | 11.5522% | 1,260 |
| Net charge-offs to loans | -0.0112% | 3,711 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4201% | 3,963 |
| Assets per employee ($millions) | 5.1416% | 3,497 |
| Cash dividends to net income (ytd only)* | 27.5100% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 597 |
| Loan loss allowance to noncurrent loans | 96.6801% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 641 |
| Noncurrent loans to loans | 2.0698% | 512 |
| Net loans and leases to total assets | 48.8710% | 3,723 |
| Net loans and leases to deposits | 55.8663% | 3,800 |
| Net loans and leases to core deposits | 57.0203% | 3,910 |
| Total domestic deposits to total assets | 87.4785% | 2,102 |
| Equity capital to assets | 11.5185% | 1,531 |
| Core capital (leverage) ratio | 11.6517% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,613,500 | 3,001 |
| Average earning assets | $205,735,000 | 2,925 |
| Average equity | $24,999,500 | 2,872 |
| Average total loans | $106,862,500 | 3,173 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 3,444 |
| Cost of funding earning assets | 0.6653% | 1,896 |
| Net interest margin | 3.0850% | 3,664 |
| Noninterest income to average assets | 0.8761% | 1,327 |
| Noninterest expense to average assets | 2.3297% | 3,329 |
| Loan and lease loss provision to assets | 0.1709% | 2,248 |
| Net operating income to assets | 1.3085% | 1,226 |
| Return on assets (ROA) | 1.3179% | 1,302 |
| Pretax return on assets | 1.3872% | 1,695 |
| Return on Equity (ROE) | 10.9927% | 1,627 |
| Retained earnings to average equity (ytd only) | 5.3373% | 2,122 |
| Net charge-offs to loans | -0.0427% | 4,638 |
| Credit loss provision to net charge-offs | -734.0426% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0766% | 3,448 |
| Assets per employee ($millions) | 5.0068% | 3,386 |
| Cash dividends to net income (ytd only)* | 51.4468% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 587 |
| Loan loss allowance to noncurrent loans | 81.5769% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 541 |
| Noncurrent loans to loans | 2.4520% | 417 |
| Net loans and leases to total assets | 50.6204% | 3,775 |
| Net loans and leases to deposits | 58.3856% | 3,870 |
| Net loans and leases to core deposits | 60.0848% | 3,941 |
| Total domestic deposits to total assets | 86.7001% | 2,077 |
| Equity capital to assets | 12.2394% | 1,457 |
| Core capital (leverage) ratio | 11.4417% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,912,000 | 2,926 |
| Average earning assets | $196,466,800 | 2,862 |
| Average equity | $24,207,000 | 2,862 |
| Average total loans | $110,133,400 | 3,097 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,328 |
| Cost of funding earning assets | 0.7138% | 1,940 |
| Net interest margin | 3.1642% | 3,577 |
| Noninterest income to average assets | 0.8421% | 1,371 |
| Noninterest expense to average assets | 2.2850% | 3,460 |
| Loan and lease loss provision to assets | 0.2089% | 1,923 |
| Net operating income to assets | 1.3532% | 1,222 |
| Return on assets (ROA) | 1.3620% | 1,294 |
| Pretax return on assets | 1.4350% | 1,621 |
| Return on Equity (ROE) | 11.4215% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,685 |
| Net charge-offs to loans | -0.0612% | 4,726 |
| Credit loss provision to net charge-offs | -617.6471% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2981% | 3,626 |
| Assets per employee ($millions) | 5.0270% | 3,217 |
| Cash dividends to net income (ytd only)* | 58.6660% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 675 |
| Loan loss allowance to noncurrent loans | 91.3650% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 770 |
| Noncurrent loans to loans | 2.0092% | 602 |
| Net loans and leases to total assets | 54.3546% | 3,773 |
| Net loans and leases to deposits | 62.6492% | 3,892 |
| Net loans and leases to core deposits | 65.2198% | 3,939 |
| Total domestic deposits to total assets | 86.7602% | 1,747 |
| Equity capital to assets | 12.0113% | 1,671 |
| Core capital (leverage) ratio | 11.1869% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,070,250 | 2,912 |
| Average earning assets | $195,556,000 | 2,848 |
| Average equity | $23,977,500 | 2,871 |
| Average total loans | $111,158,250 | 3,094 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 3,032 |
| Cost of funding earning assets | 0.7869% | 1,894 |
| Net interest margin | 3.3219% | 3,330 |
| Noninterest income to average assets | 0.7744% | 1,503 |
| Noninterest expense to average assets | 2.2739% | 3,592 |
| Loan and lease loss provision to assets | 0.2859% | 1,503 |
| Net operating income to assets | 1.3663% | 1,188 |
| Return on assets (ROA) | 1.3882% | 1,231 |
| Pretax return on assets | 1.4685% | 1,531 |
| Return on Equity (ROE) | 11.6705% | 1,426 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,001 |
| Net charge-offs to loans | -0.0726% | 4,780 |
| Credit loss provision to net charge-offs | -712.5000% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7744% | 3,852 |
| Assets per employee ($millions) | 4.7842% | 3,430 |
| Cash dividends to net income (ytd only)* | 67.2688% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 741 |
| Loan loss allowance to noncurrent loans | 86.9547% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2617% | 842 |
| Noncurrent loans to loans | 2.0057% | 672 |
| Net loans and leases to total assets | 54.9457% | 3,788 |
| Net loans and leases to deposits | 63.0054% | 3,952 |
| Net loans and leases to core deposits | 68.8144% | 3,803 |
| Total domestic deposits to total assets | 87.2080% | 1,542 |
| Equity capital to assets | 11.5807% | 1,918 |
| Core capital (leverage) ratio | 11.1204% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,391,667 | 2,906 |
| Average earning assets | $193,925,333 | 2,842 |
| Average equity | $23,718,000 | 2,874 |
| Average total loans | $110,170,000 | 3,099 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,546 |
| Cost of funding earning assets | 0.9388% | 1,695 |
| Net interest margin | 3.1520% | 3,976 |
| Noninterest income to average assets | 0.6727% | 1,763 |
| Noninterest expense to average assets | 2.2473% | 3,894 |
| Loan and lease loss provision to assets | 0.1135% | 2,265 |
| Net operating income to assets | 1.2757% | 1,309 |
| Return on assets (ROA) | 1.3083% | 1,319 |
| Pretax return on assets | 1.4094% | 1,532 |
| Return on Equity (ROE) | 10.8432% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.9437% | 1,558 |
| Net charge-offs to loans | 0.0038% | 2,448 |
| Credit loss provision to net charge-offs | 5,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 721.0000% | 86 |
| Efficiency ratio | 60.1657% | 3,717 |
| Assets per employee ($millions) | 4.6670% | 3,040 |
| Cash dividends to net income (ytd only)* | 35.9621% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,049 |
| Loan loss allowance to noncurrent loans | 74.8425% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 838 |
| Noncurrent loans to loans | 2.1492% | 631 |
| Net loans and leases to total assets | 55.6103% | 3,867 |
| Net loans and leases to deposits | 64.4363% | 3,955 |
| Net loans and leases to core deposits | 71.1502% | 3,808 |
| Total domestic deposits to total assets | 86.3026% | 1,873 |
| Equity capital to assets | 12.3077% | 1,856 |
| Core capital (leverage) ratio | 11.7734% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,834,500 | 2,918 |
| Average earning assets | $188,327,000 | 2,846 |
| Average equity | $23,388,000 | 2,895 |
| Average total loans | $106,396,500 | 3,135 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 3,233 |
| Cost of funding earning assets | 0.9833% | 1,796 |
| Net interest margin | 3.4224% | 3,672 |
| Noninterest income to average assets | 0.8329% | 1,352 |
| Noninterest expense to average assets | 2.4131% | 3,650 |
| Loan and lease loss provision to assets | 0.0658% | 2,701 |
| Net operating income to assets | 1.6167% | 805 |
| Return on assets (ROA) | 1.7014% | 701 |
| Pretax return on assets | 1.7667% | 1,028 |
| Return on Equity (ROE) | 14.3570% | 830 |
| Retained earnings to average equity (ytd only) | 6.9217% | 1,421 |
| Net charge-offs to loans | 0.0174% | 3,088 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 176.7222% | 432 |
| Efficiency ratio | 58.0454% | 3,957 |
| Assets per employee ($millions) | 4.5632% | 3,132 |
| Cash dividends to net income (ytd only)* | 51.7886% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 811 |
| Loan loss allowance to noncurrent loans | 63.8479% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 630 |
| Noncurrent loans to loans | 2.6547% | 393 |
| Net loans and leases to total assets | 52.3222% | 4,199 |
| Net loans and leases to deposits | 60.2561% | 4,275 |
| Net loans and leases to core deposits | 70.7856% | 3,923 |
| Total domestic deposits to total assets | 86.8330% | 1,696 |
| Equity capital to assets | 11.8188% | 2,263 |
| Core capital (leverage) ratio | 11.9619% | 1,806 |
| Tier 1 risk-based capital ratio | 19.9628% | 1,334 |
| Total risk-based capital ratio | 21.2162% | 1,305 |
| Memoranda: | ||
| Average total assets | $182,377,200 | 2,992 |
| Average earning assets | $177,156,800 | 2,915 |
| Average equity | $21,613,200 | 2,994 |
| Average total loans | $103,173,200 | 3,183 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 3,091 |
| Cost of funding earning assets | 0.9887% | 1,810 |
| Net interest margin | 3.5004% | 3,565 |
| Noninterest income to average assets | 0.8160% | 1,371 |
| Noninterest expense to average assets | 2.4517% | 3,562 |
| Loan and lease loss provision to assets | 0.0666% | 2,551 |
| Net operating income to assets | 1.6360% | 851 |
| Return on assets (ROA) | 1.7498% | 715 |
| Pretax return on assets | 1.8164% | 1,046 |
| Return on Equity (ROE) | 14.7543% | 833 |
| Retained earnings to average equity (ytd only) | 8.4854% | 1,208 |
| Net charge-offs to loans | -0.0116% | 4,424 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1489% | 3,914 |
| Assets per employee ($millions) | 4.4932% | 3,219 |
| Cash dividends to net income (ytd only)* | 42.4882% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 928 |
| Loan loss allowance to noncurrent loans | 780.5430% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,435 |
| Noncurrent loans to loans | 0.2099% | 3,786 |
| Net loans and leases to total assets | 56.2235% | 4,032 |
| Net loans and leases to deposits | 65.2047% | 4,116 |
| Net loans and leases to core deposits | 72.7782% | 3,902 |
| Total domestic deposits to total assets | 86.2263% | 1,894 |
| Equity capital to assets | 12.1767% | 2,131 |
| Core capital (leverage) ratio | 12.0374% | 1,824 |
| Tier 1 risk-based capital ratio | 20.2688% | 1,327 |
| Total risk-based capital ratio | 21.5227% | 1,291 |
| Memoranda: | ||
| Average total assets | $180,058,250 | 3,042 |
| Average earning assets | $174,908,500 | 2,962 |
| Average equity | $21,353,750 | 3,036 |
| Average total loans | $103,465,000 | 3,216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 3,255 |
| Cost of funding earning assets | 0.9561% | 1,881 |
| Net interest margin | 3.4721% | 3,681 |
| Noninterest income to average assets | 0.7824% | 1,401 |
| Noninterest expense to average assets | 2.4346% | 3,642 |
| Loan and lease loss provision to assets | 0.0672% | 2,471 |
| Net operating income to assets | 1.5916% | 928 |
| Return on assets (ROA) | 1.7485% | 691 |
| Pretax return on assets | 1.8179% | 996 |
| Return on Equity (ROE) | 14.8802% | 785 |
| Retained earnings to average equity (ytd only) | 7.4877% | 1,605 |
| Net charge-offs to loans | -0.0272% | 4,650 |
| Credit loss provision to net charge-offs | -428.5714% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5780% | 3,923 |
| Assets per employee ($millions) | 4.1166% | 3,705 |
| Cash dividends to net income (ytd only)* | 49.6799% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,015 |
| Loan loss allowance to noncurrent loans | 383.7472% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 2,911 |
| Noncurrent loans to loans | 0.4186% | 3,035 |
| Net loans and leases to total assets | 56.2109% | 4,063 |
| Net loans and leases to deposits | 64.8181% | 4,180 |
| Net loans and leases to core deposits | 72.9261% | 3,948 |
| Total domestic deposits to total assets | 86.7210% | 1,717 |
| Equity capital to assets | 11.7535% | 2,381 |
| Core capital (leverage) ratio | 11.8399% | 1,921 |
| Tier 1 risk-based capital ratio | 19.2750% | 1,492 |
| Total risk-based capital ratio | 20.5287% | 1,456 |
| Memoranda: | ||
| Average total assets | $178,671,000 | 3,071 |
| Average earning assets | $173,613,330 | 2,990 |
| Average equity | $20,994,330 | 3,059 |
| Average total loans | $102,853,330 | 3,242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 3,516 |
| Cost of funding earning assets | 0.8803% | 2,094 |
| Net interest margin | 3.4343% | 3,797 |
| Noninterest income to average assets | 0.7732% | 1,359 |
| Noninterest expense to average assets | 2.5567% | 3,350 |
| Loan and lease loss provision to assets | 0.0684% | 2,295 |
| Net operating income to assets | 1.4224% | 1,317 |
| Return on assets (ROA) | 1.7333% | 711 |
| Pretax return on assets | 1.8086% | 967 |
| Return on Equity (ROE) | 14.7537% | 802 |
| Retained earnings to average equity (ytd only) | 11.2012% | 762 |
| Net charge-offs to loans | -0.0395% | 4,759 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2087% | 3,503 |
| Assets per employee ($millions) | 4.2082% | 3,615 |
| Cash dividends to net income (ytd only)* | 24.0789% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 967 |
| Loan loss allowance to noncurrent loans | 456.7123% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 3,097 |
| Noncurrent loans to loans | 0.3609% | 3,286 |
| Net loans and leases to total assets | 56.2817% | 4,042 |
| Net loans and leases to deposits | 65.1089% | 4,116 |
| Net loans and leases to core deposits | 70.5705% | 4,051 |
| Total domestic deposits to total assets | 86.4425% | 2,102 |
| Equity capital to assets | 12.0237% | 2,005 |
| Core capital (leverage) ratio | 12.4505% | 1,543 |
| Tier 1 risk-based capital ratio | 20.0246% | 1,338 |
| Total risk-based capital ratio | 21.2788% | 1,307 |
| Memoranda: | ||
| Average total assets | $175,383,000 | 3,135 |
| Average earning assets | $170,398,500 | 3,051 |
| Average equity | $20,605,000 | 3,105 |
| Average total loans | $101,365,500 | 3,304 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,324 |
| Cost of funding earning assets | 0.7233% | 1,936 |
| Net interest margin | 3.5143% | 3,658 |
| Noninterest income to average assets | 0.8697% | 1,264 |
| Noninterest expense to average assets | 2.5499% | 3,469 |
| Loan and lease loss provision to assets | 0.0704% | 2,729 |
| Net operating income to assets | 1.5887% | 900 |
| Return on assets (ROA) | 1.5887% | 888 |
| Pretax return on assets | 1.6538% | 1,300 |
| Return on Equity (ROE) | 14.1302% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.9372% | 1,701 |
| Net charge-offs to loans | 0.0332% | 2,739 |
| Credit loss provision to net charge-offs | 352.9412% | 904 |
| Earnings coverage of net charge-offs (x) | 86.4118% | 817 |
| Efficiency ratio | 59.6595% | 3,921 |
| Assets per employee ($millions) | 4.0470% | 3,833 |
| Cash dividends to net income (ytd only)* | 50.9051% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,030 |
| Loan loss allowance to noncurrent loans | 578.6477% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,228 |
| Noncurrent loans to loans | 0.2766% | 3,574 |
| Net loans and leases to total assets | 57.4430% | 4,015 |
| Net loans and leases to deposits | 66.0011% | 4,120 |
| Net loans and leases to core deposits | 67.4862% | 4,269 |
| Total domestic deposits to total assets | 87.0333% | 1,770 |
| Equity capital to assets | 11.4692% | 2,275 |
| Core capital (leverage) ratio | 11.8946% | 1,803 |
| Tier 1 risk-based capital ratio | 17.8134% | 1,809 |
| Total risk-based capital ratio | 19.0649% | 1,766 |
| Memoranda: | ||
| Average total assets | $170,395,800 | 3,161 |
| Average earning assets | $165,068,200 | 3,080 |
| Average equity | $19,157,600 | 3,166 |
| Average total loans | $102,259,600 | 3,260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 3,431 |
| Cost of funding earning assets | 0.6955% | 1,866 |
| Net interest margin | 3.4653% | 3,819 |
| Noninterest income to average assets | 0.8748% | 1,268 |
| Noninterest expense to average assets | 2.5621% | 3,404 |
| Loan and lease loss provision to assets | 0.0708% | 2,547 |
| Net operating income to assets | 1.5324% | 1,115 |
| Return on assets (ROA) | 1.5324% | 1,116 |
| Pretax return on assets | 1.5969% | 1,591 |
| Return on Equity (ROE) | 13.7007% | 1,202 |
| Retained earnings to average equity (ytd only) | 7.9827% | 1,665 |
| Net charge-offs to loans | 0.0521% | 2,083 |
| Credit loss provision to net charge-offs | 225.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 53.0021% | 1,135 |
| Efficiency ratio | 60.5728% | 3,730 |
| Assets per employee ($millions) | 4.0270% | 3,839 |
| Cash dividends to net income (ytd only)* | 41.7350% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,182 |
| Loan loss allowance to noncurrent loans | 1,186.5672% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 3,069 |
| Noncurrent loans to loans | 0.1311% | 4,293 |
| Net loans and leases to total assets | 58.0953% | 4,028 |
| Net loans and leases to deposits | 67.2845% | 4,106 |
| Net loans and leases to core deposits | 70.0238% | 4,189 |
| Total domestic deposits to total assets | 86.3428% | 2,039 |
| Equity capital to assets | 11.0532% | 2,614 |
| Core capital (leverage) ratio | 11.7573% | 1,954 |
| Tier 1 risk-based capital ratio | 17.3208% | 1,992 |
| Total risk-based capital ratio | 18.5720% | 1,939 |
| Memoranda: | ||
| Average total assets | $169,489,000 | 3,201 |
| Average earning assets | $164,099,000 | 3,111 |
| Average equity | $18,957,250 | 3,207 |
| Average total loans | $102,427,000 | 3,286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 3,452 |
| Cost of funding earning assets | 0.6578% | 1,882 |
| Net interest margin | 3.4402% | 3,833 |
| Noninterest income to average assets | 0.7797% | 1,536 |
| Noninterest expense to average assets | 2.5175% | 3,587 |
| Loan and lease loss provision to assets | 0.0713% | 2,463 |
| Net operating income to assets | 1.4584% | 1,256 |
| Return on assets (ROA) | 1.4584% | 1,256 |
| Pretax return on assets | 1.5226% | 1,736 |
| Return on Equity (ROE) | 12.9866% | 1,380 |
| Retained earnings to average equity (ytd only) | 6.9008% | 2,113 |
| Net charge-offs to loans | 0.0800% | 1,526 |
| Credit loss provision to net charge-offs | 146.3415% | 1,600 |
| Earnings coverage of net charge-offs (x) | 32.7073% | 1,427 |
| Efficiency ratio | 61.2316% | 3,733 |
| Assets per employee ($millions) | 3.7386% | 4,299 |
| Cash dividends to net income (ytd only)* | 46.8623% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,388 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,342 |
| Noncurrent loans to loans | 0.0376% | 4,747 |
| Net loans and leases to total assets | 59.4782% | 3,854 |
| Net loans and leases to deposits | 69.6602% | 3,890 |
| Net loans and leases to core deposits | 72.5450% | 3,977 |
| Total domestic deposits to total assets | 85.3833% | 2,532 |
| Equity capital to assets | 11.0505% | 2,587 |
| Core capital (leverage) ratio | 11.9715% | 1,729 |
| Tier 1 risk-based capital ratio | 18.0382% | 1,788 |
| Total risk-based capital ratio | 19.2898% | 1,754 |
| Memoranda: | ||
| Average total assets | $168,264,670 | 3,234 |
| Average earning assets | $162,956,000 | 3,148 |
| Average equity | $18,896,330 | 3,233 |
| Average total loans | $102,506,330 | 3,297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,287 |
| Cost of funding earning assets | 0.6351% | 1,808 |
| Net interest margin | 3.4485% | 3,710 |
| Noninterest income to average assets | 0.7812% | 1,515 |
| Noninterest expense to average assets | 2.7042% | 3,029 |
| Loan and lease loss provision to assets | 0.0721% | 2,319 |
| Net operating income to assets | 1.2860% | 1,693 |
| Return on assets (ROA) | 1.2860% | 1,699 |
| Pretax return on assets | 1.3461% | 2,198 |
| Return on Equity (ROE) | 11.3573% | 1,828 |
| Retained earnings to average equity (ytd only) | 6.3261% | 2,575 |
| Net charge-offs to loans | -0.0196% | 4,550 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5977% | 3,237 |
| Assets per employee ($millions) | 3.8078% | 4,279 |
| Cash dividends to net income (ytd only)* | 44.2991% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,322 |
| Loan loss allowance to noncurrent loans | 331.0924% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,722 |
| Noncurrent loans to loans | 0.4649% | 3,137 |
| Net loans and leases to total assets | 60.1666% | 3,739 |
| Net loans and leases to deposits | 70.6041% | 3,734 |
| Net loans and leases to core deposits | 74.3811% | 3,790 |
| Total domestic deposits to total assets | 85.2169% | 2,853 |
| Equity capital to assets | 11.1798% | 2,402 |
| Core capital (leverage) ratio | 11.9113% | 1,706 |
| Tier 1 risk-based capital ratio | 18.1430% | 1,791 |
| Total risk-based capital ratio | 19.3952% | 1,747 |
| Memoranda: | ||
| Average total assets | $166,410,000 | 3,287 |
| Average earning assets | $161,228,000 | 3,203 |
| Average equity | $18,842,500 | 3,263 |
| Average total loans | $101,836,000 | 3,330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,347 |
| Cost of funding earning assets | 0.5743% | 1,788 |
| Net interest margin | 3.4424% | 3,712 |
| Noninterest income to average assets | 0.8978% | 1,275 |
| Noninterest expense to average assets | 2.6304% | 3,352 |
| Loan and lease loss provision to assets | 0.0735% | 2,740 |
| Net operating income to assets | 1.4606% | 881 |
| Return on assets (ROA) | 1.4606% | 891 |
| Pretax return on assets | 1.5311% | 1,518 |
| Return on Equity (ROE) | 12.6315% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.7815% | 2,960 |
| Net charge-offs to loans | 0.0564% | 2,679 |
| Credit loss provision to net charge-offs | 210.5263% | 1,293 |
| Earnings coverage of net charge-offs (x) | 45.9649% | 1,161 |
| Efficiency ratio | 62.1114% | 3,922 |
| Assets per employee ($millions) | 3.5930% | 4,583 |
| Cash dividends to net income (ytd only)* | 70.0629% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 1,340 |
| Loan loss allowance to noncurrent loans | 4,529.4118% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,050 |
| Noncurrent loans to loans | 0.0336% | 4,860 |
| Net loans and leases to total assets | 60.3538% | 3,797 |
| Net loans and leases to deposits | 71.3782% | 3,753 |
| Net loans and leases to core deposits | 76.0349% | 3,741 |
| Total domestic deposits to total assets | 84.5550% | 3,016 |
| Equity capital to assets | 11.4680% | 2,228 |
| Core capital (leverage) ratio | 11.6243% | 1,852 |
| Tier 1 risk-based capital ratio | 18.3956% | 1,680 |
| Total risk-based capital ratio | 19.6484% | 1,634 |
| Memoranda: | ||
| Average total assets | $163,283,800 | 3,309 |
| Average earning assets | $158,290,000 | 3,220 |
| Average equity | $18,881,400 | 3,255 |
| Average total loans | $100,976,200 | 3,334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 3,303 |
| Cost of funding earning assets | 0.5652% | 1,777 |
| Net interest margin | 3.4476% | 3,685 |
| Noninterest income to average assets | 0.8854% | 1,317 |
| Noninterest expense to average assets | 2.6390% | 3,290 |
| Loan and lease loss provision to assets | 0.0737% | 2,595 |
| Net operating income to assets | 1.4432% | 1,005 |
| Return on assets (ROA) | 1.4432% | 1,019 |
| Pretax return on assets | 1.5152% | 1,718 |
| Return on Equity (ROE) | 12.4542% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.2941% | 2,691 |
| Net charge-offs to loans | -0.0647% | 5,247 |
| Credit loss provision to net charge-offs | -183.6735% | 4,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4177% | 3,821 |
| Assets per employee ($millions) | 3.5800% | 4,606 |
| Cash dividends to net income (ytd only)* | 57.4915% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,226 |
| Loan loss allowance to noncurrent loans | 2,413.4328% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 5,027 |
| Noncurrent loans to loans | 0.0665% | 4,809 |
| Net loans and leases to total assets | 61.5253% | 3,711 |
| Net loans and leases to deposits | 73.8272% | 3,591 |
| Net loans and leases to core deposits | 76.4743% | 3,767 |
| Total domestic deposits to total assets | 83.3369% | 3,347 |
| Equity capital to assets | 11.9840% | 1,975 |
| Core capital (leverage) ratio | 11.9652% | 1,706 |
| Tier 1 risk-based capital ratio | 18.7442% | 1,664 |
| Total risk-based capital ratio | 19.9971% | 1,607 |
| Memoranda: | ||
| Average total assets | $162,785,500 | 3,347 |
| Average earning assets | $157,825,500 | 3,259 |
| Average equity | $18,863,250 | 3,285 |
| Average total loans | $100,897,500 | 3,368 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,280 |
| Cost of funding earning assets | 0.5477% | 1,796 |
| Net interest margin | 3.4326% | 3,659 |
| Noninterest income to average assets | 0.8718% | 1,357 |
| Noninterest expense to average assets | 2.5418% | 3,608 |
| Loan and lease loss provision to assets | 0.0735% | 2,500 |
| Net operating income to assets | 1.5121% | 841 |
| Return on assets (ROA) | 1.5121% | 867 |
| Pretax return on assets | 1.5868% | 1,384 |
| Return on Equity (ROE) | 13.1975% | 979 |
| Retained earnings to average equity (ytd only) | 5.4927% | 2,412 |
| Net charge-offs to loans | -0.0119% | 4,595 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4895% | 4,246 |
| Assets per employee ($millions) | 3.5877% | 4,596 |
| Cash dividends to net income (ytd only)* | 58.3806% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,518 |
| Loan loss allowance to noncurrent loans | 1,625.2632% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,981 |
| Noncurrent loans to loans | 0.0935% | 4,750 |
| Net loans and leases to total assets | 60.6349% | 3,773 |
| Net loans and leases to deposits | 71.5137% | 3,783 |
| Net loans and leases to core deposits | 75.2576% | 3,836 |
| Total domestic deposits to total assets | 84.7878% | 2,892 |
| Equity capital to assets | 11.5850% | 2,243 |
| Core capital (leverage) ratio | 11.6688% | 1,855 |
| Tier 1 risk-based capital ratio | 18.7663% | 1,645 |
| Total risk-based capital ratio | 20.0196% | 1,605 |
| Memoranda: | ||
| Average total assets | $163,348,000 | 3,360 |
| Average earning assets | $158,481,670 | 3,264 |
| Average equity | $18,715,670 | 3,304 |
| Average total loans | $100,952,330 | 3,382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 3,106 |
| Cost of funding earning assets | 0.5353% | 1,821 |
| Net interest margin | 3.4475% | 3,457 |
| Noninterest income to average assets | 0.9132% | 1,201 |
| Noninterest expense to average assets | 2.6854% | 3,198 |
| Loan and lease loss provision to assets | 0.0738% | 2,326 |
| Net operating income to assets | 1.4153% | 971 |
| Return on assets (ROA) | 1.4153% | 1,000 |
| Pretax return on assets | 1.4990% | 1,533 |
| Return on Equity (ROE) | 12.4230% | 1,129 |
| Retained earnings to average equity (ytd only) | 7.4970% | 1,653 |
| Net charge-offs to loans | -0.0278% | 4,895 |
| Credit loss provision to net charge-offs | -428.5714% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0636% | 3,977 |
| Assets per employee ($millions) | 3.7505% | 4,416 |
| Cash dividends to net income (ytd only)* | 39.6522% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,765 |
| Loan loss allowance to noncurrent loans | 698.1567% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,733 |
| Noncurrent loans to loans | 0.2121% | 4,351 |
| Net loans and leases to total assets | 61.0890% | 3,649 |
| Net loans and leases to deposits | 71.8479% | 3,620 |
| Net loans and leases to core deposits | 76.7385% | 3,581 |
| Total domestic deposits to total assets | 85.0255% | 3,079 |
| Equity capital to assets | 11.3883% | 2,272 |
| Core capital (leverage) ratio | 11.7109% | 1,823 |
| Tier 1 risk-based capital ratio | 18.3805% | 1,770 |
| Total risk-based capital ratio | 19.6329% | 1,728 |
| Memoranda: | ||
| Average total assets | $162,506,000 | 3,399 |
| Average earning assets | $157,681,500 | 3,301 |
| Average equity | $18,514,000 | 3,344 |
| Average total loans | $100,623,000 | 3,410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,055 |
| Cost of funding earning assets | 0.5210% | 1,934 |
| Net interest margin | 3.5219% | 3,345 |
| Noninterest income to average assets | 0.9545% | 1,251 |
| Noninterest expense to average assets | 2.6053% | 3,662 |
| Loan and lease loss provision to assets | 0.1182% | 2,101 |
| Net operating income to assets | 1.5683% | 730 |
| Return on assets (ROA) | 1.5780% | 746 |
| Pretax return on assets | 1.6572% | 1,113 |
| Return on Equity (ROE) | 13.4229% | 899 |
| Retained earnings to average equity (ytd only) | 4.6899% | 2,553 |
| Net charge-offs to loans | 0.1323% | 1,921 |
| Credit loss provision to net charge-offs | 142.3077% | 1,928 |
| Earnings coverage of net charge-offs (x) | 21.2538% | 1,802 |
| Efficiency ratio | 59.6112% | 4,640 |
| Assets per employee ($millions) | 3.5554% | 4,671 |
| Cash dividends to net income (ytd only)* | 65.0607% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,696 |
| Loan loss allowance to noncurrent loans | 1,330.6306% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 5,052 |
| Noncurrent loans to loans | 0.1122% | 4,783 |
| Net loans and leases to total assets | 60.9062% | 3,745 |
| Net loans and leases to deposits | 71.6866% | 3,742 |
| Net loans and leases to core deposits | 76.1432% | 3,740 |
| Total domestic deposits to total assets | 84.9617% | 3,068 |
| Equity capital to assets | 11.3974% | 2,245 |
| Core capital (leverage) ratio | 11.5801% | 1,873 |
| Tier 1 risk-based capital ratio | 18.8133% | 1,651 |
| Total risk-based capital ratio | 20.0660% | 1,614 |
| Memoranda: | ||
| Average total assets | $156,527,600 | 3,430 |
| Average earning assets | $151,822,400 | 3,347 |
| Average equity | $18,401,400 | 3,355 |
| Average total loans | $98,229,800 | 3,420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 2,838 |
| Cost of funding earning assets | 0.5210% | 1,932 |
| Net interest margin | 3.5890% | 3,112 |
| Noninterest income to average assets | 0.9876% | 1,170 |
| Noninterest expense to average assets | 2.6433% | 3,526 |
| Loan and lease loss provision to assets | 0.1328% | 1,765 |
| Net operating income to assets | 1.6084% | 718 |
| Return on assets (ROA) | 1.6214% | 740 |
| Pretax return on assets | 1.7062% | 1,102 |
| Return on Equity (ROE) | 13.6851% | 885 |
| Retained earnings to average equity (ytd only) | 3.3906% | 3,868 |
| Net charge-offs to loans | -0.0381% | 5,266 |
| Credit loss provision to net charge-offs | -553.5714% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1528% | 4,671 |
| Assets per employee ($millions) | 3.7301% | 4,420 |
| Cash dividends to net income (ytd only)* | 75.2245% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,424 |
| Loan loss allowance to noncurrent loans | 339.3235% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 4,237 |
| Noncurrent loans to loans | 0.4761% | 3,588 |
| Net loans and leases to total assets | 60.9429% | 3,749 |
| Net loans and leases to deposits | 72.1796% | 3,790 |
| Net loans and leases to core deposits | 76.6775% | 3,775 |
| Total domestic deposits to total assets | 84.4323% | 3,050 |
| Equity capital to assets | 11.7060% | 2,348 |
| Core capital (leverage) ratio | 11.5051% | 2,029 |
| Tier 1 risk-based capital ratio | 18.3698% | 1,814 |
| Total risk-based capital ratio | 19.6240% | 1,780 |
| Memoranda: | ||
| Average total assets | $155,661,500 | 3,456 |
| Average earning assets | $150,976,750 | 3,373 |
| Average equity | $18,443,000 | 3,379 |
| Average total loans | $98,056,750 | 3,427 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,928 |
| Cost of funding earning assets | 0.5085% | 2,038 |
| Net interest margin | 3.5753% | 3,192 |
| Noninterest income to average assets | 0.8839% | 1,423 |
| Noninterest expense to average assets | 2.6362% | 3,585 |
| Loan and lease loss provision to assets | 0.0779% | 2,587 |
| Net operating income to assets | 1.5446% | 817 |
| Return on assets (ROA) | 1.5641% | 824 |
| Pretax return on assets | 1.6588% | 1,197 |
| Return on Equity (ROE) | 13.1464% | 996 |
| Retained earnings to average equity (ytd only) | 2.0947% | 4,524 |
| Net charge-offs to loans | -0.0451% | 5,322 |
| Credit loss provision to net charge-offs | -272.7273% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5726% | 4,567 |
| Assets per employee ($millions) | 3.5643% | 4,660 |
| Cash dividends to net income (ytd only)* | 84.0664% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,943 |
| Loan loss allowance to noncurrent loans | 2,593.1034% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,429 |
| Noncurrent loans to loans | 0.0571% | 5,226 |
| Net loans and leases to total assets | 63.8595% | 3,382 |
| Net loans and leases to deposits | 75.8607% | 3,399 |
| Net loans and leases to core deposits | 79.3850% | 3,517 |
| Total domestic deposits to total assets | 84.1800% | 3,203 |
| Equity capital to assets | 11.8883% | 2,208 |
| Core capital (leverage) ratio | 11.6255% | 1,893 |
| Tier 1 risk-based capital ratio | 17.7983% | 1,992 |
| Total risk-based capital ratio | 19.0512% | 1,950 |
| Memoranda: | ||
| Average total assets | $154,083,330 | 3,496 |
| Average earning assets | $149,471,000 | 3,409 |
| Average equity | $18,332,000 | 3,395 |
| Average total loans | $97,624,000 | 3,447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 2,808 |
| Cost of funding earning assets | 0.5022% | 2,088 |
| Net interest margin | 3.6097% | 3,046 |
| Noninterest income to average assets | 0.8670% | 1,392 |
| Noninterest expense to average assets | 2.6246% | 3,675 |
| Loan and lease loss provision to assets | 0.0786% | 2,391 |
| Net operating income to assets | 1.5431% | 786 |
| Return on assets (ROA) | 1.5821% | 763 |
| Pretax return on assets | 1.7078% | 1,051 |
| Return on Equity (ROE) | 13.2923% | 973 |
| Retained earnings to average equity (ytd only) | 4.6655% | 3,140 |
| Net charge-offs to loans | -0.0502% | 5,330 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0719% | 4,734 |
| Assets per employee ($millions) | 3.4808% | 4,848 |
| Cash dividends to net income (ytd only)* | 64.9007% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,970 |
| Loan loss allowance to noncurrent loans | 904.3210% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,156 |
| Noncurrent loans to loans | 0.1663% | 4,829 |
| Net loans and leases to total assets | 62.6540% | 3,436 |
| Net loans and leases to deposits | 74.5596% | 3,364 |
| Net loans and leases to core deposits | 76.8090% | 3,600 |
| Total domestic deposits to total assets | 84.0321% | 3,506 |
| Equity capital to assets | 12.0595% | 1,986 |
| Core capital (leverage) ratio | 11.9537% | 1,637 |
| Tier 1 risk-based capital ratio | 17.9449% | 1,997 |
| Total risk-based capital ratio | 19.1971% | 1,964 |
| Memoranda: | ||
| Average total assets | $152,711,500 | 3,542 |
| Average earning assets | $148,155,500 | 3,446 |
| Average equity | $18,176,000 | 3,415 |
| Average total loans | $95,609,500 | 3,501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,400 |
| Cost of funding earning assets | 0.5562% | 1,708 |
| Net interest margin | 3.4201% | 3,837 |
| Noninterest income to average assets | 0.9725% | 1,252 |
| Noninterest expense to average assets | 2.6194% | 3,853 |
| Loan and lease loss provision to assets | 0.0524% | 3,263 |
| Net operating income to assets | 1.5564% | 772 |
| Return on assets (ROA) | 1.5538% | 800 |
| Pretax return on assets | 1.6187% | 1,193 |
| Return on Equity (ROE) | 13.3795% | 978 |
| Retained earnings to average equity (ytd only) | 3.8993% | 3,263 |
| Net charge-offs to loans | 0.0782% | 2,699 |
| Credit loss provision to net charge-offs | 109.5890% | 2,301 |
| Earnings coverage of net charge-offs (x) | 34.9863% | 1,299 |
| Efficiency ratio | 61.0136% | 4,762 |
| Assets per employee ($millions) | 3.4606% | 4,891 |
| Cash dividends to net income (ytd only)* | 70.8562% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,920 |
| Loan loss allowance to noncurrent loans | 608.1197% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,981 |
| Noncurrent loans to loans | 0.2495% | 4,537 |
| Net loans and leases to total assets | 60.6649% | 3,743 |
| Net loans and leases to deposits | 72.0401% | 3,713 |
| Net loans and leases to core deposits | 74.3748% | 3,902 |
| Total domestic deposits to total assets | 84.2099% | 3,397 |
| Equity capital to assets | 11.7439% | 2,154 |
| Core capital (leverage) ratio | 11.7933% | 1,761 |
| Tier 1 risk-based capital ratio | 18.1567% | 1,917 |
| Total risk-based capital ratio | 19.4091% | 1,884 |
| Memoranda: | ||
| Average total assets | $152,589,800 | 3,532 |
| Average earning assets | $148,153,600 | 3,431 |
| Average equity | $17,721,200 | 3,419 |
| Average total loans | $93,323,000 | 3,518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 3,471 |
| Cost of funding earning assets | 0.5647% | 1,670 |
| Net interest margin | 3.4028% | 3,945 |
| Noninterest income to average assets | 1.0174% | 1,149 |
| Noninterest expense to average assets | 2.5833% | 3,933 |
| Loan and lease loss provision to assets | 0.0437% | 3,344 |
| Net operating income to assets | 1.6268% | 726 |
| Return on assets (ROA) | 1.6235% | 760 |
| Pretax return on assets | 1.6916% | 1,132 |
| Return on Equity (ROE) | 14.0184% | 902 |
| Retained earnings to average equity (ytd only) | 4.2455% | 3,446 |
| Net charge-offs to loans | 0.0558% | 2,803 |
| Credit loss provision to net charge-offs | 128.2051% | 1,895 |
| Earnings coverage of net charge-offs (x) | 51.0500% | 1,028 |
| Efficiency ratio | 59.7697% | 4,916 |
| Assets per employee ($millions) | 3.3457% | 5,068 |
| Cash dividends to net income (ytd only)* | 69.7152% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 2,038 |
| Loan loss allowance to noncurrent loans | 308.8745% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 4,542 |
| Noncurrent loans to loans | 0.4951% | 3,865 |
| Net loans and leases to total assets | 61.0351% | 3,728 |
| Net loans and leases to deposits | 74.0241% | 3,546 |
| Net loans and leases to core deposits | 76.3368% | 3,766 |
| Total domestic deposits to total assets | 82.4530% | 4,005 |
| Equity capital to assets | 12.0387% | 2,074 |
| Core capital (leverage) ratio | 11.5937% | 1,965 |
| Tier 1 risk-based capital ratio | 18.2435% | 1,974 |
| Total risk-based capital ratio | 19.4967% | 1,929 |
| Memoranda: | ||
| Average total assets | $152,670,750 | 3,556 |
| Average earning assets | $148,267,750 | 3,461 |
| Average equity | $17,681,000 | 3,450 |
| Average total loans | $93,205,000 | 3,552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,588 |
| Cost of funding earning assets | 0.5648% | 1,686 |
| Net interest margin | 3.3621% | 4,048 |
| Noninterest income to average assets | 1.0275% | 1,125 |
| Noninterest expense to average assets | 2.5832% | 3,965 |
| Loan and lease loss provision to assets | 0.0261% | 3,614 |
| Net operating income to assets | 1.6102% | 730 |
| Return on assets (ROA) | 1.6052% | 762 |
| Pretax return on assets | 1.6808% | 1,120 |
| Return on Equity (ROE) | 14.0421% | 894 |
| Retained earnings to average equity (ytd only) | 3.7301% | 3,644 |
| Net charge-offs to loans | 0.0687% | 2,411 |
| Credit loss provision to net charge-offs | 62.5000% | 2,564 |
| Earnings coverage of net charge-offs (x) | 41.0313% | 1,118 |
| Efficiency ratio | 60.1396% | 4,954 |
| Assets per employee ($millions) | 3.3593% | 5,059 |
| Cash dividends to net income (ytd only)* | 73.4362% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,349 |
| Loan loss allowance to noncurrent loans | 165.4888% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 3,737 |
| Noncurrent loans to loans | 0.8986% | 2,879 |
| Net loans and leases to total assets | 61.5723% | 3,615 |
| Net loans and leases to deposits | 74.2448% | 3,463 |
| Net loans and leases to core deposits | 76.2195% | 3,745 |
| Total domestic deposits to total assets | 82.9315% | 3,978 |
| Equity capital to assets | 11.5998% | 2,330 |
| Core capital (leverage) ratio | 11.4153% | 2,061 |
| Tier 1 risk-based capital ratio | 17.8499% | 2,114 |
| Total risk-based capital ratio | 19.1018% | 2,068 |
| Memoranda: | ||
| Average total assets | $153,375,670 | 3,572 |
| Average earning assets | $149,074,330 | 3,467 |
| Average equity | $17,533,000 | 3,491 |
| Average total loans | $93,167,000 | 3,573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 3,778 |
| Cost of funding earning assets | 0.5540% | 1,807 |
| Net interest margin | 3.3079% | 4,184 |
| Noninterest income to average assets | 0.8622% | 1,521 |
| Noninterest expense to average assets | 2.4521% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5303% | 804 |
| Return on assets (ROA) | 1.5303% | 845 |
| Pretax return on assets | 1.6261% | 1,203 |
| Return on Equity (ROE) | 13.4839% | 988 |
| Retained earnings to average equity (ytd only) | 4.5175% | 3,317 |
| Net charge-offs to loans | 0.0908% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.9048% | 1,152 |
| Efficiency ratio | 60.1270% | 5,078 |
| Assets per employee ($millions) | 3.5969% | 4,732 |
| Cash dividends to net income (ytd only)* | 66.4975% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,443 |
| Loan loss allowance to noncurrent loans | 166.4678% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 3,875 |
| Noncurrent loans to loans | 0.9013% | 2,982 |
| Net loans and leases to total assets | 59.2146% | 3,768 |
| Net loans and leases to deposits | 70.9194% | 3,652 |
| Net loans and leases to core deposits | 72.5882% | 3,905 |
| Total domestic deposits to total assets | 83.4956% | 4,006 |
| Equity capital to assets | 11.5001% | 2,459 |
| Core capital (leverage) ratio | 11.3501% | 2,118 |
| Tier 1 risk-based capital ratio | 18.5360% | 1,995 |
| Total risk-based capital ratio | 19.7890% | 1,945 |
| Memoranda: | ||
| Average total assets | $154,480,000 | 3,582 |
| Average earning assets | $150,186,000 | 3,465 |
| Average equity | $17,532,000 | 3,517 |
| Average total loans | $92,509,500 | 3,601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 4,044 |
| Cost of funding earning assets | 0.5882% | 1,876 |
| Net interest margin | 3.3353% | 4,456 |
| Noninterest income to average assets | 0.9929% | 1,231 |
| Noninterest expense to average assets | 2.6377% | 4,097 |
| Loan and lease loss provision to assets | 0.0454% | 3,668 |
| Net operating income to assets | 1.4660% | 940 |
| Return on assets (ROA) | 1.4885% | 938 |
| Pretax return on assets | 1.5585% | 1,357 |
| Return on Equity (ROE) | 13.5461% | 1,029 |
| Retained earnings to average equity (ytd only) | 3.5237% | 3,713 |
| Net charge-offs to loans | 0.0652% | 3,552 |
| Credit loss provision to net charge-offs | 122.8070% | 1,950 |
| Earnings coverage of net charge-offs (x) | 42.7544% | 1,028 |
| Efficiency ratio | 62.5308% | 4,826 |
| Assets per employee ($millions) | 3.7632% | 4,418 |
| Cash dividends to net income (ytd only)* | 73.9869% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 2,300 |
| Loan loss allowance to noncurrent loans | 197.0793% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 4,189 |
| Noncurrent loans to loans | 0.7812% | 3,352 |
| Net loans and leases to total assets | 58.7334% | 3,956 |
| Net loans and leases to deposits | 69.9603% | 3,914 |
| Net loans and leases to core deposits | 71.5393% | 4,169 |
| Total domestic deposits to total assets | 83.9525% | 3,732 |
| Equity capital to assets | 11.1976% | 2,698 |
| Core capital (leverage) ratio | 11.0386% | 2,369 |
| Tier 1 risk-based capital ratio | 18.4011% | 2,015 |
| Total risk-based capital ratio | 19.6540% | 1,986 |
| Memoranda: | ||
| Average total assets | $154,187,200 | 3,570 |
| Average earning assets | $149,101,800 | 3,457 |
| Average equity | $16,942,200 | 3,534 |
| Average total loans | $87,395,000 | 3,690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 4,063 |
| Cost of funding earning assets | 0.5920% | 1,904 |
| Net interest margin | 3.3359% | 4,488 |
| Noninterest income to average assets | 1.0110% | 1,200 |
| Noninterest expense to average assets | 2.5436% | 4,383 |
| Loan and lease loss provision to assets | 0.0605% | 3,153 |
| Net operating income to assets | 1.5524% | 839 |
| Return on assets (ROA) | 1.5524% | 871 |
| Pretax return on assets | 1.6286% | 1,235 |
| Return on Equity (ROE) | 14.1962% | 949 |
| Retained earnings to average equity (ytd only) | 6.1847% | 2,283 |
| Net charge-offs to loans | 0.0959% | 2,850 |
| Credit loss provision to net charge-offs | 112.9032% | 2,004 |
| Earnings coverage of net charge-offs (x) | 31.5017% | 1,323 |
| Efficiency ratio | 60.0940% | 5,165 |
| Assets per employee ($millions) | 3.5300% | 4,804 |
| Cash dividends to net income (ytd only)* | 56.4345% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 2,294 |
| Loan loss allowance to noncurrent loans | 153.0369% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 4,019 |
| Noncurrent loans to loans | 1.0474% | 2,979 |
| Net loans and leases to total assets | 57.0643% | 4,194 |
| Net loans and leases to deposits | 68.4140% | 4,088 |
| Net loans and leases to core deposits | 70.2216% | 4,304 |
| Total domestic deposits to total assets | 83.4102% | 3,990 |
| Equity capital to assets | 11.4301% | 2,549 |
| Core capital (leverage) ratio | 11.3275% | 2,192 |
| Tier 1 risk-based capital ratio | 19.3250% | 1,817 |
| Total risk-based capital ratio | 20.5788% | 1,793 |
| Memoranda: | ||
| Average total assets | $154,161,000 | 3,604 |
| Average earning assets | $148,879,750 | 3,492 |
| Average equity | $16,858,500 | 3,561 |
| Average total loans | $86,234,250 | 3,748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 4,162 |
| Cost of funding earning assets | 0.5875% | 2,006 |
| Net interest margin | 3.3054% | 4,564 |
| Noninterest income to average assets | 0.9629% | 1,301 |
| Noninterest expense to average assets | 2.5518% | 4,411 |
| Loan and lease loss provision to assets | 0.0129% | 4,000 |
| Net operating income to assets | 1.4998% | 869 |
| Return on assets (ROA) | 1.4998% | 904 |
| Pretax return on assets | 1.5863% | 1,287 |
| Return on Equity (ROE) | 13.9206% | 971 |
| Retained earnings to average equity (ytd only) | 6.4811% | 2,048 |
| Net charge-offs to loans | -0.0444% | 5,817 |
| Credit loss provision to net charge-offs | -52.6316% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4739% | 5,078 |
| Assets per employee ($millions) | 3.4592% | 4,922 |
| Cash dividends to net income (ytd only)* | 53.4423% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 2,354 |
| Loan loss allowance to noncurrent loans | 137.5600% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 3,660 |
| Noncurrent loans to loans | 1.1867% | 2,858 |
| Net loans and leases to total assets | 56.6946% | 4,159 |
| Net loans and leases to deposits | 66.7962% | 4,190 |
| Net loans and leases to core deposits | 68.5080% | 4,412 |
| Total domestic deposits to total assets | 84.8770% | 3,574 |
| Equity capital to assets | 11.3676% | 2,535 |
| Core capital (leverage) ratio | 11.0304% | 2,392 |
| Tier 1 risk-based capital ratio | 18.7567% | 1,988 |
| Total risk-based capital ratio | 20.0105% | 1,948 |
| Memoranda: | ||
| Average total assets | $154,950,670 | 3,608 |
| Average earning assets | $149,454,670 | 3,493 |
| Average equity | $16,694,670 | 3,582 |
| Average total loans | $85,635,670 | 3,776 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,178 |
| Cost of funding earning assets | 0.5850% | 2,116 |
| Net interest margin | 3.2945% | 4,559 |
| Noninterest income to average assets | 0.9160% | 1,345 |
| Noninterest expense to average assets | 2.4616% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5046% | 810 |
| Return on assets (ROA) | 1.5046% | 841 |
| Pretax return on assets | 1.6248% | 1,126 |
| Return on Equity (ROE) | 14.3493% | 884 |
| Retained earnings to average equity (ytd only) | 9.8835% | 993 |
| Net charge-offs to loans | -0.0615% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2379% | 5,365 |
| Assets per employee ($millions) | 3.4551% | 5,022 |
| Cash dividends to net income (ytd only)* | 31.1224% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,501 |
| Loan loss allowance to noncurrent loans | 139.2330% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 3,949 |
| Noncurrent loans to loans | 1.1873% | 3,062 |
| Net loans and leases to total assets | 53.0028% | 4,540 |
| Net loans and leases to deposits | 62.0233% | 4,543 |
| Net loans and leases to core deposits | 65.0261% | 4,595 |
| Total domestic deposits to total assets | 85.4563% | 3,644 |
| Equity capital to assets | 10.6138% | 3,126 |
| Core capital (leverage) ratio | 10.8087% | 2,588 |
| Tier 1 risk-based capital ratio | 18.7805% | 2,037 |
| Total risk-based capital ratio | 20.0348% | 1,993 |
| Memoranda: | ||
| Average total assets | $156,323,500 | 3,619 |
| Average earning assets | $150,434,500 | 3,501 |
| Average equity | $16,391,000 | 3,633 |
| Average total loans | $84,591,500 | 3,831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,370 |
| Cost of funding earning assets | 0.6197% | 2,484 |
| Net interest margin | 3.3050% | 4,649 |
| Noninterest income to average assets | 1.1923% | 998 |
| Noninterest expense to average assets | 2.5663% | 4,565 |
| Loan and lease loss provision to assets | 0.1211% | 2,801 |
| Net operating income to assets | 1.6106% | 675 |
| Return on assets (ROA) | 1.6432% | 650 |
| Pretax return on assets | 1.7293% | 898 |
| Return on Equity (ROE) | 14.8981% | 782 |
| Retained earnings to average equity (ytd only) | 1.2873% | 5,253 |
| Net charge-offs to loans | 0.1502% | 3,302 |
| Credit loss provision to net charge-offs | 148.7603% | 1,564 |
| Earnings coverage of net charge-offs (x) | 22.3058% | 1,454 |
| Efficiency ratio | 58.5598% | 5,669 |
| Assets per employee ($millions) | 3.4935% | 4,908 |
| Cash dividends to net income (ytd only)* | 91.3595% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 2,466 |
| Loan loss allowance to noncurrent loans | 131.8909% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 3,942 |
| Noncurrent loans to loans | 1.2726% | 3,005 |
| Net loans and leases to total assets | 53.4278% | 4,664 |
| Net loans and leases to deposits | 63.4302% | 4,571 |
| Net loans and leases to core deposits | 66.6556% | 4,640 |
| Total domestic deposits to total assets | 84.2309% | 4,083 |
| Equity capital to assets | 10.3525% | 3,340 |
| Core capital (leverage) ratio | 10.8312% | 2,544 |
| Tier 1 risk-based capital ratio | 18.2592% | 2,166 |
| Total risk-based capital ratio | 19.5119% | 2,123 |
| Memoranda: | ||
| Average total assets | $148,616,600 | 3,729 |
| Average earning assets | $143,451,200 | 3,612 |
| Average equity | $16,391,400 | 3,641 |
| Average total loans | $80,575,800 | 3,924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 4,345 |
| Cost of funding earning assets | 0.6263% | 2,592 |
| Net interest margin | 3.3145% | 4,585 |
| Noninterest income to average assets | 1.2307% | 970 |
| Noninterest expense to average assets | 2.4713% | 4,806 |
| Loan and lease loss provision to assets | 0.1629% | 2,219 |
| Net operating income to assets | 1.7092% | 621 |
| Return on assets (ROA) | 1.7410% | 613 |
| Pretax return on assets | 1.8388% | 827 |
| Return on Equity (ROE) | 15.5367% | 705 |
| Retained earnings to average equity (ytd only) | -1.0013% | 6,135 |
| Net charge-offs to loans | 0.0835% | 3,759 |
| Credit loss provision to net charge-offs | 360.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 43.4968% | 952 |
| Efficiency ratio | 55.6665% | 5,949 |
| Assets per employee ($millions) | 3.3886% | 5,087 |
| Cash dividends to net income (ytd only)* | 106.4449% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,078 |
| Loan loss allowance to noncurrent loans | 118.5990% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 4,032 |
| Noncurrent loans to loans | 1.5801% | 2,797 |
| Net loans and leases to total assets | 51.7301% | 4,905 |
| Net loans and leases to deposits | 61.2938% | 4,832 |
| Net loans and leases to core deposits | 63.3977% | 4,962 |
| Total domestic deposits to total assets | 84.3969% | 4,028 |
| Equity capital to assets | 10.7580% | 3,002 |
| Core capital (leverage) ratio | 10.8798% | 2,590 |
| Tier 1 risk-based capital ratio | 19.1068% | 1,958 |
| Total risk-based capital ratio | 20.3622% | 1,922 |
| Memoranda: | ||
| Average total assets | $147,342,750 | 3,792 |
| Average earning assets | $142,640,250 | 3,660 |
| Average equity | $16,511,000 | 3,670 |
| Average total loans | $79,838,000 | 3,977 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 4,215 |
| Cost of funding earning assets | 0.6251% | 2,732 |
| Net interest margin | 3.3467% | 4,392 |
| Noninterest income to average assets | 1.1611% | 1,133 |
| Noninterest expense to average assets | 2.4926% | 4,763 |
| Loan and lease loss provision to assets | 0.1635% | 2,284 |
| Net operating income to assets | 1.6293% | 707 |
| Return on assets (ROA) | 1.6762% | 714 |
| Pretax return on assets | 1.7948% | 942 |
| Return on Equity (ROE) | 14.7588% | 855 |
| Retained earnings to average equity (ytd only) | -4.0077% | 6,395 |
| Net charge-offs to loans | 0.1022% | 3,341 |
| Credit loss provision to net charge-offs | 292.6829% | 885 |
| Earnings coverage of net charge-offs (x) | 34.1463% | 1,040 |
| Efficiency ratio | 56.6429% | 5,883 |
| Assets per employee ($millions) | 3.1195% | 5,640 |
| Cash dividends to net income (ytd only)* | 127.1545% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,579 |
| Loan loss allowance to noncurrent loans | 272.0841% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 5,294 |
| Noncurrent loans to loans | 0.6446% | 4,651 |
| Net loans and leases to total assets | 54.3651% | 4,536 |
| Net loans and leases to deposits | 64.8217% | 4,398 |
| Net loans and leases to core deposits | 66.9191% | 4,600 |
| Total domestic deposits to total assets | 83.8687% | 4,373 |
| Equity capital to assets | 10.6503% | 3,117 |
| Core capital (leverage) ratio | 10.8440% | 2,508 |
| Tier 1 risk-based capital ratio | 18.4642% | 2,155 |
| Total risk-based capital ratio | 19.7188% | 2,113 |
| Memoranda: | ||
| Average total assets | $146,757,330 | 3,823 |
| Average earning assets | $142,050,330 | 3,692 |
| Average equity | $16,668,000 | 3,672 |
| Average total loans | $80,250,000 | 3,979 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,745 |
| Cost of funding earning assets | 0.6248% | 2,880 |
| Net interest margin | 3.4703% | 3,821 |
| Noninterest income to average assets | 0.9944% | 1,476 |
| Noninterest expense to average assets | 2.3511% | 5,269 |
| Loan and lease loss provision to assets | 0.1635% | 2,231 |
| Net operating income to assets | 1.6564% | 641 |
| Return on assets (ROA) | 1.6564% | 705 |
| Pretax return on assets | 1.8389% | 820 |
| Return on Equity (ROE) | 14.1441% | 938 |
| Retained earnings to average equity (ytd only) | 6.2113% | 2,561 |
| Net charge-offs to loans | -0.0702% | 6,278 |
| Credit loss provision to net charge-offs | -428.5714% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0050% | 6,228 |
| Assets per employee ($millions) | 3.3571% | 5,319 |
| Cash dividends to net income (ytd only)* | 56.0855% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,629 |
| Loan loss allowance to noncurrent loans | 1,027.5362% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 6,186 |
| Noncurrent loans to loans | 0.1750% | 5,965 |
| Net loans and leases to total assets | 51.2683% | 4,798 |
| Net loans and leases to deposits | 62.0941% | 4,533 |
| Net loans and leases to core deposits | 63.7622% | 4,768 |
| Total domestic deposits to total assets | 82.5655% | 5,002 |
| Equity capital to assets | 11.4432% | 2,467 |
| Core capital (leverage) ratio | 11.2869% | 2,019 |
| Tier 1 risk-based capital ratio | 19.7784% | 1,828 |
| Total risk-based capital ratio | 21.0343% | 1,798 |
| Memoranda: | ||
| Average total assets | $146,828,000 | 3,862 |
| Average earning assets | $142,121,000 | 3,729 |
| Average equity | $17,194,500 | 3,633 |
| Average total loans | $79,809,500 | 4,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 3,989 |
| Cost of funding earning assets | 0.7708% | 2,908 |
| Net interest margin | 3.5887% | 4,132 |
| Noninterest income to average assets | 1.7316% | 544 |
| Noninterest expense to average assets | 2.8368% | 3,887 |
| Loan and lease loss provision to assets | 0.1374% | 3,903 |
| Net operating income to assets | 2.1432% | 282 |
| Return on assets (ROA) | 2.1432% | 305 |
| Pretax return on assets | 2.2126% | 399 |
| Return on Equity (ROE) | 18.2099% | 431 |
| Retained earnings to average equity (ytd only) | 9.1142% | 792 |
| Net charge-offs to loans | -0.0354% | 6,642 |
| Credit loss provision to net charge-offs | -678.5714% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6925% | 6,205 |
| Assets per employee ($millions) | 3.3160% | 5,389 |
| Cash dividends to net income (ytd only)* | 49.9494% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 3,070 |
| Loan loss allowance to noncurrent loans | 198.8166% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 5,091 |
| Noncurrent loans to loans | 0.8371% | 4,519 |
| Net loans and leases to total assets | 55.6898% | 4,349 |
| Net loans and leases to deposits | 67.2451% | 4,097 |
| Net loans and leases to core deposits | 69.7587% | 4,347 |
| Total domestic deposits to total assets | 82.8162% | 4,791 |
| Equity capital to assets | 11.9940% | 2,051 |
| Core capital (leverage) ratio | 11.7009% | 1,733 |
| Tier 1 risk-based capital ratio | 19.5647% | 1,797 |
| Total risk-based capital ratio | 20.8190% | 1,763 |
| Memoranda: | ||
| Average total assets | $138,254,200 | 3,986 |
| Average earning assets | $133,112,600 | 3,841 |
| Average equity | $16,271,400 | 3,744 |
| Average total loans | $79,083,000 | 4,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 4,007 |
| Cost of funding earning assets | 0.7994% | 2,943 |
| Net interest margin | 3.6097% | 4,196 |
| Noninterest income to average assets | 1.4094% | 752 |
| Noninterest expense to average assets | 2.8266% | 3,885 |
| Loan and lease loss provision to assets | 0.1264% | 3,969 |
| Net operating income to assets | 1.8546% | 515 |
| Return on assets (ROA) | 1.8546% | 585 |
| Pretax return on assets | 1.9285% | 816 |
| Return on Equity (ROE) | 15.8365% | 765 |
| Retained earnings to average equity (ytd only) | 5.0132% | 3,352 |
| Net charge-offs to loans | -0.0390% | 6,641 |
| Credit loss provision to net charge-offs | -565.2174% | 6,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9052% | 5,804 |
| Assets per employee ($millions) | 3.1963% | 5,639 |
| Cash dividends to net income (ytd only)* | 68.3436% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,416 |
| Loan loss allowance to noncurrent loans | 278.0435% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 5,154 |
| Noncurrent loans to loans | 0.5861% | 5,267 |
| Net loans and leases to total assets | 56.1713% | 4,424 |
| Net loans and leases to deposits | 67.8952% | 4,198 |
| Net loans and leases to core deposits | 70.1100% | 4,488 |
| Total domestic deposits to total assets | 82.7324% | 4,745 |
| Equity capital to assets | 11.9265% | 2,326 |
| Core capital (leverage) ratio | 11.2335% | 2,187 |
| Tier 1 risk-based capital ratio | 18.8053% | 2,074 |
| Total risk-based capital ratio | 20.0587% | 2,035 |
| Memoranda: | ||
| Average total assets | $137,170,750 | 4,039 |
| Average earning assets | $131,936,000 | 3,896 |
| Average equity | $16,063,750 | 3,805 |
| Average total loans | $78,666,000 | 4,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 3,907 |
| Cost of funding earning assets | 0.8232% | 3,003 |
| Net interest margin | 3.6458% | 4,057 |
| Noninterest income to average assets | 1.3642% | 770 |
| Noninterest expense to average assets | 2.8071% | 3,996 |
| Loan and lease loss provision to assets | 0.1021% | 4,244 |
| Net operating income to assets | 1.8836% | 476 |
| Return on assets (ROA) | 1.8836% | 544 |
| Pretax return on assets | 1.9638% | 736 |
| Return on Equity (ROE) | 16.1837% | 742 |
| Retained earnings to average equity (ytd only) | 8.5619% | 1,428 |
| Net charge-offs to loans | -0.0406% | 6,612 |
| Credit loss provision to net charge-offs | -437.5000% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6048% | 5,920 |
| Assets per employee ($millions) | 3.1228% | 5,794 |
| Cash dividends to net income (ytd only)* | 47.0953% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 4,161 |
| Loan loss allowance to noncurrent loans | 224.8609% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 5,113 |
| Noncurrent loans to loans | 0.6532% | 5,205 |
| Net loans and leases to total assets | 59.1727% | 3,960 |
| Net loans and leases to deposits | 71.6704% | 3,658 |
| Net loans and leases to core deposits | 74.0092% | 4,035 |
| Total domestic deposits to total assets | 82.5622% | 4,927 |
| Equity capital to assets | 11.9386% | 2,193 |
| Core capital (leverage) ratio | 11.3638% | 1,996 |
| Tier 1 risk-based capital ratio | 17.9887% | 2,292 |
| Total risk-based capital ratio | 19.2397% | 2,264 |
| Memoranda: | ||
| Average total assets | $137,080,330 | 4,053 |
| Average earning assets | $131,931,670 | 3,925 |
| Average equity | $15,954,330 | 3,809 |
| Average total loans | $78,727,330 | 4,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 4,394 |
| Cost of funding earning assets | 0.8493% | 3,070 |
| Net interest margin | 3.5339% | 4,555 |
| Noninterest income to average assets | 1.2153% | 971 |
| Noninterest expense to average assets | 2.6527% | 4,609 |
| Loan and lease loss provision to assets | 0.0876% | 4,276 |
| Net operating income to assets | 1.7762% | 628 |
| Return on assets (ROA) | 1.7762% | 706 |
| Pretax return on assets | 1.8785% | 921 |
| Return on Equity (ROE) | 15.4614% | 897 |
| Retained earnings to average equity (ytd only) | 5.6200% | 3,188 |
| Net charge-offs to loans | -0.0833% | 6,730 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4320% | 5,983 |
| Assets per employee ($millions) | 3.0800% | 6,001 |
| Cash dividends to net income (ytd only)* | 63.6513% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 4,112 |
| Loan loss allowance to noncurrent loans | 240.6571% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,338 |
| Noncurrent loans to loans | 0.6269% | 5,391 |
| Net loans and leases to total assets | 55.2023% | 4,522 |
| Net loans and leases to deposits | 66.1579% | 4,356 |
| Net loans and leases to core deposits | 68.5761% | 4,615 |
| Total domestic deposits to total assets | 83.4402% | 4,735 |
| Equity capital to assets | 11.4602% | 2,475 |
| Core capital (leverage) ratio | 11.0983% | 2,188 |
| Tier 1 risk-based capital ratio | 18.0523% | 2,270 |
| Total risk-based capital ratio | 19.3041% | 2,239 |
| Memoranda: | ||
| Average total assets | $136,919,000 | 4,093 |
| Average earning assets | $131,866,000 | 3,946 |
| Average equity | $15,729,500 | 3,855 |
| Average total loans | $76,832,500 | 4,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 4,500 |
| Cost of funding earning assets | 0.9810% | 3,507 |
| Net interest margin | 3.6594% | 4,476 |
| Noninterest income to average assets | 1.4223% | 643 |
| Noninterest expense to average assets | 2.8839% | 4,023 |
| Loan and lease loss provision to assets | 0.1818% | 4,373 |
| Net operating income to assets | 1.7921% | 463 |
| Return on assets (ROA) | 1.8161% | 479 |
| Pretax return on assets | 1.8903% | 677 |
| Return on Equity (ROE) | 16.1769% | 575 |
| Retained earnings to average equity (ytd only) | 4.4726% | 2,988 |
| Net charge-offs to loans | 0.2335% | 4,322 |
| Credit loss provision to net charge-offs | 134.0782% | 2,253 |
| Earnings coverage of net charge-offs (x) | 15.1006% | 1,414 |
| Efficiency ratio | 58.4856% | 5,991 |
| Assets per employee ($millions) | 3.0736% | 5,950 |
| Cash dividends to net income (ytd only)* | 72.3520% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,640 |
| Loan loss allowance to noncurrent loans | 139.9535% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 5,306 |
| Noncurrent loans to loans | 1.1332% | 4,467 |
| Net loans and leases to total assets | 55.2933% | 4,838 |
| Net loans and leases to deposits | 66.1849% | 4,702 |
| Net loans and leases to core deposits | 70.1065% | 4,764 |
| Total domestic deposits to total assets | 83.5437% | 4,520 |
| Equity capital to assets | 11.5168% | 2,491 |
| Core capital (leverage) ratio | 10.8925% | 2,353 |
| Tier 1 risk-based capital ratio | 18.2353% | 2,126 |
| Total risk-based capital ratio | 19.4879% | 2,089 |
| Memoranda: | ||
| Average total assets | $132,041,200 | 4,130 |
| Average earning assets | $126,604,000 | 4,004 |
| Average equity | $14,823,600 | 3,948 |
| Average total loans | $76,669,200 | 4,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 4,216 |
| Cost of funding earning assets | 1.0198% | 3,532 |
| Net interest margin | 3.7320% | 4,198 |
| Noninterest income to average assets | 1.4324% | 642 |
| Noninterest expense to average assets | 2.8435% | 4,176 |
| Loan and lease loss provision to assets | 0.2438% | 3,567 |
| Net operating income to assets | 1.8452% | 478 |
| Return on assets (ROA) | 1.8764% | 487 |
| Pretax return on assets | 1.9505% | 689 |
| Return on Equity (ROE) | 16.8260% | 587 |
| Retained earnings to average equity (ytd only) | 2.6236% | 4,790 |
| Net charge-offs to loans | 0.1128% | 4,883 |
| Credit loss provision to net charge-offs | 369.2308% | 774 |
| Earnings coverage of net charge-offs (x) | 32.7401% | 876 |
| Efficiency ratio | 56.8094% | 6,171 |
| Assets per employee ($millions) | 2.9712% | 6,183 |
| Cash dividends to net income (ytd only)* | 84.4068% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 3,050 |
| Loan loss allowance to noncurrent loans | 137.6827% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 5,365 |
| Noncurrent loans to loans | 1.2825% | 4,385 |
| Net loans and leases to total assets | 54.8794% | 5,014 |
| Net loans and leases to deposits | 65.4897% | 4,974 |
| Net loans and leases to core deposits | 70.1217% | 4,938 |
| Total domestic deposits to total assets | 83.7985% | 4,324 |
| Equity capital to assets | 11.3519% | 2,814 |
| Core capital (leverage) ratio | 10.9153% | 2,461 |
| Tier 1 risk-based capital ratio | 18.2032% | 2,187 |
| Total risk-based capital ratio | 19.4584% | 2,150 |
| Memoranda: | ||
| Average total assets | $131,242,250 | 4,173 |
| Average earning assets | $125,647,750 | 4,047 |
| Average equity | $14,635,750 | 3,990 |
| Average total loans | $76,841,000 | 4,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 4,209 |
| Cost of funding earning assets | 1.0440% | 3,647 |
| Net interest margin | 3.7262% | 4,144 |
| Noninterest income to average assets | 1.3403% | 703 |
| Noninterest expense to average assets | 2.8860% | 4,078 |
| Loan and lease loss provision to assets | 0.1840% | 4,080 |
| Net operating income to assets | 1.7652% | 535 |
| Return on assets (ROA) | 1.8049% | 534 |
| Pretax return on assets | 1.8801% | 743 |
| Return on Equity (ROE) | 16.2850% | 639 |
| Retained earnings to average equity (ytd only) | -0.0830% | 5,853 |
| Net charge-offs to loans | 0.0593% | 5,055 |
| Credit loss provision to net charge-offs | 521.7391% | 588 |
| Earnings coverage of net charge-offs (x) | 57.3478% | 554 |
| Efficiency ratio | 58.7941% | 6,058 |
| Assets per employee ($millions) | 2.8348% | 6,411 |
| Cash dividends to net income (ytd only)* | 100.5098% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 3,880 |
| Loan loss allowance to noncurrent loans | 197.4563% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,472 |
| Noncurrent loans to loans | 0.7875% | 5,337 |
| Net loans and leases to total assets | 60.3014% | 4,219 |
| Net loans and leases to deposits | 71.4858% | 4,205 |
| Net loans and leases to core deposits | 76.4214% | 4,258 |
| Total domestic deposits to total assets | 84.3543% | 4,191 |
| Equity capital to assets | 11.3359% | 2,654 |
| Core capital (leverage) ratio | 10.8191% | 2,402 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,705 |
| Total risk-based capital ratio | 17.8276% | 2,661 |
| Memoranda: | ||
| Average total assets | $130,421,670 | 4,224 |
| Average earning assets | $124,898,670 | 4,095 |
| Average equity | $14,455,000 | 4,023 |
| Average total loans | $77,556,330 | 4,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 4,785 |
| Cost of funding earning assets | 1.0573% | 3,801 |
| Net interest margin | 3.5819% | 4,657 |
| Noninterest income to average assets | 1.1040% | 1,076 |
| Noninterest expense to average assets | 2.7508% | 4,641 |
| Loan and lease loss provision to assets | 0.1840% | 3,774 |
| Net operating income to assets | 1.5119% | 850 |
| Return on assets (ROA) | 1.5119% | 894 |
| Pretax return on assets | 1.5978% | 1,197 |
| Return on Equity (ROE) | 13.7984% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.0735% | 2,598 |
| Net charge-offs to loans | 0.1885% | 3,371 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 16.1389% | 1,280 |
| Efficiency ratio | 60.6901% | 5,879 |
| Assets per employee ($millions) | 2.9348% | 6,270 |
| Cash dividends to net income (ytd only)* | 55.9838% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 4,143 |
| Loan loss allowance to noncurrent loans | 108.8537% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 4,486 |
| Noncurrent loans to loans | 1.3901% | 4,386 |
| Net loans and leases to total assets | 57.5622% | 4,713 |
| Net loans and leases to deposits | 68.0704% | 4,672 |
| Net loans and leases to core deposits | 72.4784% | 4,728 |
| Total domestic deposits to total assets | 84.5628% | 4,244 |
| Equity capital to assets | 10.9712% | 2,717 |
| Core capital (leverage) ratio | 10.9807% | 2,208 |
| Tier 1 risk-based capital ratio | 17.0940% | 2,438 |
| Total risk-based capital ratio | 18.3462% | 2,412 |
| Memoranda: | ||
| Average total assets | $130,432,500 | 4,247 |
| Average earning assets | $124,851,000 | 4,125 |
| Average equity | $14,291,500 | 4,052 |
| Average total loans | $76,397,000 | 4,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 5,221 |
| Cost of funding earning assets | 1.2622% | 4,129 |
| Net interest margin | 3.5904% | 4,865 |
| Noninterest income to average assets | 1.4653% | 677 |
| Noninterest expense to average assets | 3.1203% | 3,381 |
| Loan and lease loss provision to assets | 0.2715% | 4,638 |
| Net operating income to assets | 1.4561% | 844 |
| Return on assets (ROA) | 1.8753% | 381 |
| Pretax return on assets | 1.9341% | 563 |
| Return on Equity (ROE) | 16.9682% | 481 |
| Retained earnings to average equity (ytd only) | 5.4669% | 2,136 |
| Net charge-offs to loans | 0.4140% | 3,969 |
| Credit loss provision to net charge-offs | 113.7821% | 3,822 |
| Earnings coverage of net charge-offs (x) | 7.4327% | 2,130 |
| Efficiency ratio | 63.7600% | 5,392 |
| Assets per employee ($millions) | 2.8622% | 6,414 |
| Cash dividends to net income (ytd only)* | 67.7814% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,934 |
| Loan loss allowance to noncurrent loans | 93.5405% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3828% | 4,273 |
| Noncurrent loans to loans | 1.6176% | 4,077 |
| Net loans and leases to total assets | 57.8124% | 5,053 |
| Net loans and leases to deposits | 68.8490% | 4,976 |
| Net loans and leases to core deposits | 71.7239% | 5,240 |
| Total domestic deposits to total assets | 83.9698% | 4,373 |
| Equity capital to assets | 10.9425% | 2,737 |
| Core capital (leverage) ratio | 10.6942% | 2,382 |
| Tier 1 risk-based capital ratio | 17.0447% | 2,334 |
| Total risk-based capital ratio | 18.2967% | 2,297 |
| Memoranda: | ||
| Average total assets | $130,755,400 | 4,243 |
| Average earning assets | $124,860,600 | 4,137 |
| Average equity | $14,450,600 | 4,037 |
| Average total loans | $75,366,600 | 4,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 5,158 |
| Cost of funding earning assets | 1.2900% | 4,290 |
| Net interest margin | 3.6325% | 4,715 |
| Noninterest income to average assets | 1.5015% | 606 |
| Noninterest expense to average assets | 3.0650% | 3,513 |
| Loan and lease loss provision to assets | 0.2997% | 4,179 |
| Net operating income to assets | 1.5739% | 780 |
| Return on assets (ROA) | 2.1364% | 287 |
| Pretax return on assets | 2.1781% | 430 |
| Return on Equity (ROE) | 19.2846% | 369 |
| Retained earnings to average equity (ytd only) | 10.6555% | 655 |
| Net charge-offs to loans | 0.5400% | 3,141 |
| Credit loss provision to net charge-offs | 96.7213% | 4,483 |
| Earnings coverage of net charge-offs (x) | 6.1442% | 2,591 |
| Efficiency ratio | 61.6847% | 5,669 |
| Assets per employee ($millions) | 2.8499% | 6,482 |
| Cash dividends to net income (ytd only)* | 44.7458% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 4,096 |
| Loan loss allowance to noncurrent loans | 94.0517% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 4,364 |
| Noncurrent loans to loans | 1.5650% | 4,293 |
| Net loans and leases to total assets | 55.7068% | 5,591 |
| Net loans and leases to deposits | 67.5160% | 5,486 |
| Net loans and leases to core deposits | 70.0521% | 5,744 |
| Total domestic deposits to total assets | 82.5091% | 4,799 |
| Equity capital to assets | 11.5731% | 2,475 |
| Core capital (leverage) ratio | 11.1240% | 2,177 |
| Tier 1 risk-based capital ratio | 17.8441% | 2,060 |
| Total risk-based capital ratio | 19.0955% | 2,030 |
| Memoranda: | ||
| Average total assets | $131,244,000 | 4,294 |
| Average earning assets | $125,272,500 | 4,177 |
| Average equity | $14,539,750 | 4,089 |
| Average total loans | $75,306,500 | 4,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 5,272 |
| Cost of funding earning assets | 1.3078% | 4,487 |
| Net interest margin | 3.6216% | 4,727 |
| Noninterest income to average assets | 1.4350% | 615 |
| Noninterest expense to average assets | 2.8547% | 4,246 |
| Loan and lease loss provision to assets | 0.3580% | 3,564 |
| Net operating income to assets | 1.6452% | 657 |
| Return on assets (ROA) | 1.6452% | 701 |
| Pretax return on assets | 1.6772% | 1,097 |
| Return on Equity (ROE) | 15.0743% | 849 |
| Retained earnings to average equity (ytd only) | 6.1553% | 2,248 |
| Net charge-offs to loans | 0.2008% | 4,407 |
| Credit loss provision to net charge-offs | 309.2105% | 1,183 |
| Earnings coverage of net charge-offs (x) | 17.5789% | 1,335 |
| Efficiency ratio | 58.3801% | 6,326 |
| Assets per employee ($millions) | 2.7961% | 6,576 |
| Cash dividends to net income (ytd only)* | 59.1667% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 3,307 |
| Loan loss allowance to noncurrent loans | 82.6230% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5698% | 4,104 |
| Noncurrent loans to loans | 1.9793% | 3,751 |
| Net loans and leases to total assets | 57.6682% | 5,463 |
| Net loans and leases to deposits | 69.2872% | 5,376 |
| Net loans and leases to core deposits | 75.3185% | 5,275 |
| Total domestic deposits to total assets | 83.2307% | 4,473 |
| Equity capital to assets | 11.1886% | 2,698 |
| Core capital (leverage) ratio | 10.5193% | 2,617 |
| Tier 1 risk-based capital ratio | 15.9961% | 2,672 |
| Total risk-based capital ratio | 17.2481% | 2,636 |
| Memoranda: | ||
| Average total assets | $131,293,000 | 4,316 |
| Average earning assets | $125,249,330 | 4,203 |
| Average equity | $14,329,000 | 4,128 |
| Average total loans | $75,701,670 | 4,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 5,655 |
| Cost of funding earning assets | 1.3503% | 4,495 |
| Net interest margin | 3.5069% | 5,125 |
| Noninterest income to average assets | 1.0485% | 1,157 |
| Noninterest expense to average assets | 2.8957% | 4,077 |
| Loan and lease loss provision to assets | 0.4420% | 2,753 |
| Net operating income to assets | 1.0516% | 1,995 |
| Return on assets (ROA) | 1.0516% | 2,058 |
| Pretax return on assets | 1.0516% | 2,899 |
| Return on Equity (ROE) | 9.7585% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.8185% | 3,851 |
| Net charge-offs to loans | 0.1386% | 4,109 |
| Credit loss provision to net charge-offs | 557.6923% | 773 |
| Earnings coverage of net charge-offs (x) | 18.8462% | 1,224 |
| Efficiency ratio | 65.9722% | 5,123 |
| Assets per employee ($millions) | 3.0722% | 6,063 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 3,388 |
| Loan loss allowance to noncurrent loans | 75.8706% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0113% | 3,488 |
| Noncurrent loans to loans | 2.1248% | 3,619 |
| Net loans and leases to total assets | 56.3608% | 5,693 |
| Net loans and leases to deposits | 66.8552% | 5,727 |
| Net loans and leases to core deposits | 73.9840% | 5,500 |
| Total domestic deposits to total assets | 84.3028% | 3,996 |
| Equity capital to assets | 10.7641% | 2,982 |
| Core capital (leverage) ratio | 10.2099% | 2,921 |
| Tier 1 risk-based capital ratio | 15.7677% | 2,743 |
| Total risk-based capital ratio | 17.0193% | 2,690 |
| Memoranda: | ||
| Average total assets | $131,230,000 | 4,375 |
| Average earning assets | $125,011,000 | 4,260 |
| Average equity | $14,141,500 | 4,216 |
| Average total loans | $75,029,000 | 4,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5663% | 3,775 |
| Cost of funding earning assets | 1.6612% | 4,721 |
| Net interest margin | 3.9051% | 3,249 |
| Noninterest income to average assets | 1.2825% | 916 |
| Noninterest expense to average assets | 3.2188% | 3,316 |
| Loan and lease loss provision to assets | 0.4993% | 3,879 |
| Net operating income to assets | 1.2134% | 1,215 |
| Return on assets (ROA) | 1.2119% | 1,266 |
| Pretax return on assets | 1.2761% | 1,764 |
| Return on Equity (ROE) | 11.1859% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.5550% | 1,136 |
| Net charge-offs to loans | 0.8668% | 2,666 |
| Credit loss provision to net charge-offs | 93.8897% | 5,856 |
| Earnings coverage of net charge-offs (x) | 3.3413% | 3,392 |
| Efficiency ratio | 64.4296% | 5,693 |
| Assets per employee ($millions) | 2.9626% | 6,316 |
| Cash dividends to net income (ytd only)* | 41.3996% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,836 |
| Loan loss allowance to noncurrent loans | 105.0573% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 3,901 |
| Noncurrent loans to loans | 1.4089% | 4,573 |
| Net loans and leases to total assets | 56.2169% | 5,918 |
| Net loans and leases to deposits | 67.0568% | 5,939 |
| Net loans and leases to core deposits | 83.8139% | 5,732 |
| Total domestic deposits to total assets | 83.8348% | 4,107 |
| Equity capital to assets | 10.7883% | 2,881 |
| Core capital (leverage) ratio | 10.2997% | 2,783 |
| Tier 1 risk-based capital ratio | 15.5776% | 2,683 |
| Total risk-based capital ratio | 16.8277% | 2,633 |
| Memoranda: | ||
| Average total assets | $126,164,600 | 4,426 |
| Average earning assets | $119,972,000 | 4,316 |
| Average equity | $13,669,000 | 4,344 |
| Average total loans | $77,410,400 | 4,606 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 3,634 |
| Cost of funding earning assets | 1.7241% | 4,776 |
| Net interest margin | 3.9154% | 3,176 |
| Noninterest income to average assets | 1.3107% | 901 |
| Noninterest expense to average assets | 3.3632% | 2,681 |
| Loan and lease loss provision to assets | 0.4049% | 3,891 |
| Net operating income to assets | 1.2019% | 1,465 |
| Return on assets (ROA) | 1.1999% | 1,523 |
| Pretax return on assets | 1.2649% | 2,065 |
| Return on Equity (ROE) | 11.0630% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.9070% | 1,545 |
| Net charge-offs to loans | 0.5936% | 2,895 |
| Credit loss provision to net charge-offs | 109.1954% | 4,659 |
| Earnings coverage of net charge-offs (x) | 4.5086% | 3,117 |
| Efficiency ratio | 66.7937% | 5,226 |
| Assets per employee ($millions) | 2.8326% | 6,578 |
| Cash dividends to net income (ytd only)* | 37.5668% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,070 |
| Loan loss allowance to noncurrent loans | 60.7346% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.5089% | 2,766 |
| Noncurrent loans to loans | 2.6033% | 2,897 |
| Net loans and leases to total assets | 57.3317% | 5,988 |
| Net loans and leases to deposits | 69.4938% | 5,980 |
| Net loans and leases to core deposits | 84.9341% | 5,972 |
| Total domestic deposits to total assets | 82.4990% | 4,453 |
| Equity capital to assets | 11.0664% | 2,958 |
| Core capital (leverage) ratio | 10.5968% | 2,717 |
| Tier 1 risk-based capital ratio | 15.3687% | 2,880 |
| Total risk-based capital ratio | 16.6201% | 2,822 |
| Memoranda: | ||
| Average total assets | $125,117,250 | 4,473 |
| Average earning assets | $119,014,000 | 4,366 |
| Average equity | $13,570,500 | 4,400 |
| Average total loans | $78,167,500 | 4,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7985% | 3,050 |
| Cost of funding earning assets | 1.7947% | 4,787 |
| Net interest margin | 4.0038% | 2,686 |
| Noninterest income to average assets | 1.2901% | 919 |
| Noninterest expense to average assets | 3.3378% | 2,832 |
| Loan and lease loss provision to assets | 0.5630% | 2,767 |
| Net operating income to assets | 1.1324% | 1,656 |
| Return on assets (ROA) | 1.1324% | 1,736 |
| Pretax return on assets | 1.1968% | 2,309 |
| Return on Equity (ROE) | 10.5137% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.3775% | 1,441 |
| Net charge-offs to loans | 0.8355% | 2,020 |
| Credit loss provision to net charge-offs | 105.4217% | 4,360 |
| Earnings coverage of net charge-offs (x) | 3.2952% | 3,499 |
| Efficiency ratio | 65.4781% | 5,635 |
| Assets per employee ($millions) | 2.5770% | 7,101 |
| Cash dividends to net income (ytd only)* | 29.8295% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,363 |
| Loan loss allowance to noncurrent loans | 54.8204% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5033% | 2,573 |
| Noncurrent loans to loans | 2.6778% | 2,688 |
| Net loans and leases to total assets | 64.2828% | 4,925 |
| Net loans and leases to deposits | 77.9629% | 4,881 |
| Net loans and leases to core deposits | 91.3957% | 5,411 |
| Total domestic deposits to total assets | 82.4531% | 4,504 |
| Equity capital to assets | 11.2516% | 2,715 |
| Core capital (leverage) ratio | 10.6965% | 2,671 |
| Tier 1 risk-based capital ratio | 14.2958% | 3,359 |
| Total risk-based capital ratio | 15.5192% | 3,305 |
| Memoranda: | ||
| Average total assets | $124,334,000 | 4,521 |
| Average earning assets | $118,237,000 | 4,407 |
| Average equity | $13,392,000 | 4,450 |
| Average total loans | $79,472,330 | 4,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8224% | 3,186 |
| Cost of funding earning assets | 1.7872% | 5,176 |
| Net interest margin | 4.0353% | 2,507 |
| Noninterest income to average assets | 1.2037% | 993 |
| Noninterest expense to average assets | 3.0903% | 3,411 |
| Loan and lease loss provision to assets | 0.6511% | 1,937 |
| Net operating income to assets | 1.2355% | 1,542 |
| Return on assets (ROA) | 1.2355% | 1,654 |
| Pretax return on assets | 1.2990% | 2,290 |
| Return on Equity (ROE) | 11.7222% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.4130% | 2,053 |
| Net charge-offs to loans | 0.3915% | 2,532 |
| Credit loss provision to net charge-offs | 262.8205% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.8718% | 2,282 |
| Efficiency ratio | 61.3106% | 6,196 |
| Assets per employee ($millions) | 2.5057% | 7,265 |
| Cash dividends to net income (ytd only)* | 36.7609% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 2,584 |
| Loan loss allowance to noncurrent loans | 57.8396% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 2.4614% | 2,327 |
| Noncurrent loans to loans | 2.7379% | 2,392 |
| Net loans and leases to total assets | 64.2343% | 4,947 |
| Net loans and leases to deposits | 77.8552% | 4,951 |
| Net loans and leases to core deposits | 92.1751% | 5,329 |
| Total domestic deposits to total assets | 82.5049% | 4,370 |
| Equity capital to assets | 10.8905% | 3,084 |
| Core capital (leverage) ratio | 9.9143% | 3,500 |
| Tier 1 risk-based capital ratio | 13.9803% | 3,600 |
| Total risk-based capital ratio | 15.2320% | 3,522 |
| Memoranda: | ||
| Average total assets | $125,940,500 | 4,495 |
| Average earning assets | $119,743,500 | 4,392 |
| Average equity | $13,274,000 | 4,516 |
| Average total loans | $79,698,500 | 4,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3762% | 3,540 |
| Cost of funding earning assets | 2.5696% | 3,850 |
| Net interest margin | 3.8066% | 3,992 |
| Noninterest income to average assets | 1.1492% | 1,166 |
| Noninterest expense to average assets | 2.9000% | 4,449 |
| Loan and lease loss provision to assets | 0.4335% | 3,126 |
| Net operating income to assets | 1.3827% | 1,273 |
| Return on assets (ROA) | 1.3827% | 1,224 |
| Pretax return on assets | 1.4458% | 1,836 |
| Return on Equity (ROE) | 14.1259% | 1,079 |
| Retained earnings to average equity (ytd only) | -2.0513% | 5,881 |
| Net charge-offs to loans | 1.0856% | 1,121 |
| Credit loss provision to net charge-offs | 63.2630% | 6,187 |
| Earnings coverage of net charge-offs (x) | 2.7425% | 4,714 |
| Efficiency ratio | 60.6779% | 6,224 |
| Assets per employee ($millions) | 2.5315% | 7,147 |
| Cash dividends to net income (ytd only)* | 114.5215% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,968 |
| Loan loss allowance to noncurrent loans | 36.3810% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9984% | 1,532 |
| Noncurrent loans to loans | 3.9602% | 1,248 |
| Net loans and leases to total assets | 60.5101% | 5,836 |
| Net loans and leases to deposits | 72.2299% | 6,037 |
| Net loans and leases to core deposits | 91.6021% | 5,677 |
| Total domestic deposits to total assets | 83.7743% | 3,444 |
| Equity capital to assets | 10.2065% | 3,801 |
| Core capital (leverage) ratio | 9.6723% | 3,805 |
| Tier 1 risk-based capital ratio | 13.5711% | 3,774 |
| Total risk-based capital ratio | 14.8124% | 3,685 |
| Memoranda: | ||
| Average total assets | $131,482,000 | 4,247 |
| Average earning assets | $125,387,200 | 4,145 |
| Average equity | $12,870,000 | 4,612 |
| Average total loans | $82,993,400 | 4,424 |