Home > Keystone Savings Bank > Performance and Condition Ratios
Keystone Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 3,319 |
| Cost of funding earning assets | 1.4788% | 3,251 |
| Net interest margin | 3.3998% | 2,561 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.5305% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8622% | 2,686 |
| Return on assets (ROA) | 0.8765% | 2,653 |
| Pretax return on assets | 0.9039% | 2,957 |
| Return on Equity (ROE) | 8.9400% | 2,615 |
| Retained earnings to average equity (ytd only) | 6.4716% | 2,149 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.3019% | 1,775 |
| Assets per employee ($millions) | 7.0090% | 2,205 |
| Cash dividends to net income (ytd only)* | 27.6442% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 1,969 |
| Loan loss allowance to noncurrent loans | 76.8374% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 847 |
| Noncurrent loans to loans | 1.6151% | 585 |
| Net loans and leases to total assets | 54.0300% | 3,342 |
| Net loans and leases to deposits | 63.4632% | 3,296 |
| Net loans and leases to core deposits | 74.1137% | 3,072 |
| Total domestic deposits to total assets | 85.1300% | 2,586 |
| Equity capital to assets | 9.2788% | 2,723 |
| Core capital (leverage) ratio | 12.2409% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4215% | 976 |
| Memoranda: | ||
| Average total assets | $189,846,000 | 3,084 |
| Average earning assets | $178,247,000 | 3,053 |
| Average equity | $18,604,500 | 3,103 |
| Average total loans | $110,460,000 | 3,118 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 3,458 |
| Cost of funding earning assets | 1.5267% | 3,299 |
| Net interest margin | 3.2527% | 2,607 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.6562% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6251% | 3,171 |
| Return on assets (ROA) | 0.6372% | 3,158 |
| Pretax return on assets | 0.6609% | 3,341 |
| Return on Equity (ROE) | 6.2900% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.1684% | 3,313 |
| Net charge-offs to loans | 0.0054% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 196.3333% | 513 |
| Efficiency ratio | 76.4030% | 1,322 |
| Assets per employee ($millions) | 6.0839% | 2,815 |
| Cash dividends to net income (ytd only)* | 65.5440% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 1,872 |
| Loan loss allowance to noncurrent loans | 43.5469% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.7962% | 254 |
| Noncurrent loans to loans | 2.8882% | 209 |
| Net loans and leases to total assets | 61.4100% | 2,810 |
| Net loans and leases to deposits | 73.7728% | 2,665 |
| Net loans and leases to core deposits | 80.6758% | 2,733 |
| Total domestic deposits to total assets | 83.2400% | 2,978 |
| Equity capital to assets | 10.4000% | 1,893 |
| Core capital (leverage) ratio | 12.2334% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5257% | 965 |
| Memoranda: | ||
| Average total assets | $181,722,400 | 3,111 |
| Average earning assets | $171,152,600 | 3,085 |
| Average equity | $18,400,400 | 3,074 |
| Average total loans | $111,300,800 | 3,088 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 3,536 |
| Cost of funding earning assets | 1.4981% | 3,360 |
| Net interest margin | 3.2081% | 2,673 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 2.6375% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6034% | 3,210 |
| Return on assets (ROA) | 0.6272% | 3,171 |
| Pretax return on assets | 0.6541% | 3,373 |
| Return on Equity (ROE) | 6.2300% | 3,261 |
| Retained earnings to average equity (ytd only) | 1.5496% | 3,584 |
| Net charge-offs to loans | 0.0072% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 631 |
| Efficiency ratio | 76.7224% | 1,333 |
| Assets per employee ($millions) | 6.7925% | 2,280 |
| Cash dividends to net income (ytd only)* | 75.1452% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 1,999 |
| Loan loss allowance to noncurrent loans | 43.4646% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 280 |
| Noncurrent loans to loans | 2.8507% | 224 |
| Net loans and leases to total assets | 57.8400% | 3,112 |
| Net loans and leases to deposits | 68.8945% | 3,064 |
| Net loans and leases to core deposits | 74.5434% | 3,154 |
| Total domestic deposits to total assets | 83.9500% | 2,608 |
| Equity capital to assets | 10.0721% | 2,247 |
| Core capital (leverage) ratio | 12.3381% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8498% | 1,127 |
| Memoranda: | ||
| Average total assets | $183,045,000 | 3,107 |
| Average earning assets | $172,475,750 | 3,083 |
| Average equity | $18,413,250 | 3,076 |
| Average total loans | $111,695,500 | 3,086 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 3,403 |
| Cost of funding earning assets | 1.4874% | 3,316 |
| Net interest margin | 3.2461% | 2,542 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 2.7554% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5324% | 3,352 |
| Return on assets (ROA) | 0.5579% | 3,321 |
| Pretax return on assets | 0.5812% | 3,485 |
| Return on Equity (ROE) | 5.5500% | 3,394 |
| Retained earnings to average equity (ytd only) | -0.2863% | 3,958 |
| Net charge-offs to loans | 0.0018% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 501.0000% | 242 |
| Efficiency ratio | 79.2308% | 1,188 |
| Assets per employee ($millions) | 6.1057% | 2,712 |
| Cash dividends to net income (ytd only)* | 105.1587% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,049 |
| Loan loss allowance to noncurrent loans | 43.7046% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 230 |
| Noncurrent loans to loans | 2.8312% | 209 |
| Net loans and leases to total assets | 62.4300% | 2,711 |
| Net loans and leases to deposits | 74.7360% | 2,648 |
| Net loans and leases to core deposits | 81.5485% | 2,701 |
| Total domestic deposits to total assets | 83.5400% | 2,735 |
| Equity capital to assets | 10.0449% | 2,046 |
| Core capital (leverage) ratio | 11.9004% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8532% | 1,113 |
| Memoranda: | ||
| Average total assets | $180,663,667 | 3,128 |
| Average earning assets | $170,359,000 | 3,100 |
| Average equity | $18,165,667 | 3,069 |
| Average total loans | $111,801,667 | 3,085 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 3,463 |
| Cost of funding earning assets | 1.3933% | 3,411 |
| Net interest margin | 3.2433% | 2,471 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.7293% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5288% | 3,318 |
| Return on assets (ROA) | 0.5787% | 3,231 |
| Pretax return on assets | 0.6094% | 3,373 |
| Return on Equity (ROE) | 5.7500% | 3,286 |
| Retained earnings to average equity (ytd only) | 4.4673% | 2,561 |
| Net charge-offs to loans | 0.0036% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 347 |
| Efficiency ratio | 79.0527% | 1,273 |
| Assets per employee ($millions) | 6.7659% | 2,233 |
| Cash dividends to net income (ytd only)* | 22.3485% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,049 |
| Loan loss allowance to noncurrent loans | 43.7046% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.6728% | 241 |
| Noncurrent loans to loans | 2.8436% | 184 |
| Net loans and leases to total assets | 58.1000% | 3,044 |
| Net loans and leases to deposits | 68.8458% | 2,986 |
| Net loans and leases to core deposits | 74.2989% | 3,094 |
| Total domestic deposits to total assets | 84.3900% | 2,608 |
| Equity capital to assets | 9.6783% | 2,214 |
| Core capital (leverage) ratio | 12.1646% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2622% | 1,039 |
| Memoranda: | ||
| Average total assets | $182,463,000 | 3,121 |
| Average earning assets | $171,677,000 | 3,102 |
| Average equity | $18,355,500 | 3,064 |
| Average total loans | $111,736,000 | 3,090 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 2,972 |
| Cost of funding earning assets | 1.0786% | 3,117 |
| Net interest margin | 3.4902% | 2,207 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.6973% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8146% | 2,822 |
| Return on assets (ROA) | 0.8236% | 2,773 |
| Pretax return on assets | 0.8635% | 3,056 |
| Return on Equity (ROE) | 8.6700% | 2,838 |
| Retained earnings to average equity (ytd only) | 5.9289% | 2,275 |
| Net charge-offs to loans | 0.0081% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 168.8889% | 658 |
| Efficiency ratio | 72.1721% | 1,643 |
| Assets per employee ($millions) | 5.8494% | 2,942 |
| Cash dividends to net income (ytd only)* | 31.5825% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,086 |
| Loan loss allowance to noncurrent loans | 44.8801% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 188 |
| Noncurrent loans to loans | 2.7547% | 163 |
| Net loans and leases to total assets | 63.0500% | 2,565 |
| Net loans and leases to deposits | 71.0685% | 2,811 |
| Net loans and leases to core deposits | 80.0473% | 2,700 |
| Total domestic deposits to total assets | 88.7200% | 1,149 |
| Equity capital to assets | 10.4717% | 1,740 |
| Core capital (leverage) ratio | 12.1074% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7406% | 1,127 |
| Memoranda: | ||
| Average total assets | $177,993,800 | 3,143 |
| Average earning assets | $167,067,800 | 3,122 |
| Average equity | $16,917,000 | 3,102 |
| Average total loans | $110,637,600 | 3,053 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 2,964 |
| Cost of funding earning assets | 1.0182% | 2,986 |
| Net interest margin | 3.4539% | 2,327 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.6521% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8316% | 2,926 |
| Return on assets (ROA) | 0.8480% | 2,850 |
| Pretax return on assets | 0.8898% | 3,125 |
| Return on Equity (ROE) | 9.1500% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.3474% | 2,521 |
| Net charge-offs to loans | 0.0097% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 146.1250% | 745 |
| Efficiency ratio | 71.4316% | 1,624 |
| Assets per employee ($millions) | 6.1591% | 2,610 |
| Cash dividends to net income (ytd only)* | 30.6338% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 1,976 |
| Loan loss allowance to noncurrent loans | 45.1319% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.6620% | 207 |
| Noncurrent loans to loans | 2.8296% | 151 |
| Net loans and leases to total assets | 57.9900% | 3,028 |
| Net loans and leases to deposits | 64.0307% | 3,266 |
| Net loans and leases to core deposits | 71.5506% | 3,126 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 8.6831% | 2,605 |
| Core capital (leverage) ratio | 11.8177% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6681% | 1,162 |
| Memoranda: | ||
| Average total assets | $178,621,750 | 3,142 |
| Average earning assets | $167,613,500 | 3,125 |
| Average equity | $16,552,250 | 3,114 |
| Average total loans | $110,290,000 | 3,054 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,918 |
| Cost of funding earning assets | 0.9416% | 2,800 |
| Net interest margin | 3.4433% | 2,410 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.6199% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8534% | 2,913 |
| Return on assets (ROA) | 0.8631% | 2,880 |
| Pretax return on assets | 0.9050% | 3,153 |
| Return on Equity (ROE) | 9.1100% | 2,956 |
| Retained earnings to average equity (ytd only) | 6.3630% | 2,489 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.6735% | 1,703 |
| Assets per employee ($millions) | 5.9198% | 2,781 |
| Cash dividends to net income (ytd only)* | 30.1837% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.9100% | 2,489 |
| Net loans and leases to deposits | 69.9731% | 2,789 |
| Net loans and leases to core deposits | 79.1315% | 2,533 |
| Total domestic deposits to total assets | 89.9000% | 948 |
| Equity capital to assets | 9.3314% | 2,287 |
| Core capital (leverage) ratio | 11.8326% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5791% | 1,198 |
| Memoranda: | ||
| Average total assets | $176,571,333 | 3,168 |
| Average earning assets | $165,886,000 | 3,148 |
| Average equity | $16,721,667 | 3,127 |
| Average total loans | $110,875,667 | 3,048 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,850 |
| Cost of funding earning assets | 0.8145% | 2,684 |
| Net interest margin | 3.4635% | 2,465 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5787% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9166% | 2,800 |
| Return on assets (ROA) | 0.9360% | 2,690 |
| Pretax return on assets | 0.9860% | 3,036 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.4065% | 2,113 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.9103% | 1,869 |
| Assets per employee ($millions) | 6.0998% | 2,679 |
| Cash dividends to net income (ytd only)* | 14.3204% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.8100% | 2,676 |
| Net loans and leases to deposits | 66.3790% | 2,900 |
| Net loans and leases to core deposits | 74.1927% | 2,663 |
| Total domestic deposits to total assets | 90.1100% | 1,122 |
| Equity capital to assets | 9.2637% | 2,309 |
| Core capital (leverage) ratio | 11.9486% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1548% | 1,337 |
| Memoranda: | ||
| Average total assets | $176,060,000 | 3,211 |
| Average earning assets | $165,498,500 | 3,184 |
| Average equity | $16,796,500 | 3,146 |
| Average total loans | $109,758,000 | 3,097 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 2,546 |
| Cost of funding earning assets | 0.2780% | 3,061 |
| Net interest margin | 3.4139% | 2,210 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.6503% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7727% | 3,417 |
| Return on assets (ROA) | 0.7700% | 3,367 |
| Pretax return on assets | 0.8108% | 3,598 |
| Return on Equity (ROE) | 7.8000% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.2221% | 2,955 |
| Net charge-offs to loans | -0.0611% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5962% | 1,374 |
| Assets per employee ($millions) | 5.6376% | 3,092 |
| Cash dividends to net income (ytd only)* | 33.0877% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.6200% | 2,278 |
| Net loans and leases to deposits | 73.4818% | 2,295 |
| Net loans and leases to core deposits | 77.9330% | 2,281 |
| Total domestic deposits to total assets | 86.5700% | 2,545 |
| Equity capital to assets | 9.8394% | 1,794 |
| Core capital (leverage) ratio | 12.0473% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3450% | 1,281 |
| Memoranda: | ||
| Average total assets | $176,241,400 | 3,222 |
| Average earning assets | $164,417,200 | 3,208 |
| Average equity | $17,387,800 | 3,177 |
| Average total loans | $104,780,400 | 3,086 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 2,448 |
| Cost of funding earning assets | 0.2317% | 2,909 |
| Net interest margin | 3.3236% | 2,217 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.6528% | 1,585 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6709% | 3,644 |
| Return on assets (ROA) | 0.6651% | 3,617 |
| Pretax return on assets | 0.6853% | 3,827 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.2030% | 3,374 |
| Net charge-offs to loans | -0.0822% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6282% | 1,217 |
| Assets per employee ($millions) | 5.8144% | 2,919 |
| Cash dividends to net income (ytd only)* | 37.6126% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.6600% | 2,742 |
| Net loans and leases to deposits | 63.2704% | 2,924 |
| Net loans and leases to core deposits | 66.6165% | 2,908 |
| Total domestic deposits to total assets | 91.1200% | 1,189 |
| Equity capital to assets | 8.3175% | 2,668 |
| Core capital (leverage) ratio | 11.5318% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3525% | 1,322 |
| Memoranda: | ||
| Average total assets | $178,020,000 | 3,225 |
| Average earning assets | $165,759,750 | 3,219 |
| Average equity | $17,574,500 | 3,191 |
| Average total loans | $103,808,750 | 3,109 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,272 |
| Cost of funding earning assets | 0.2338% | 2,459 |
| Net interest margin | 3.2239% | 2,116 |
| Noninterest income to average assets | 0.2437% | 3,711 |
| Noninterest expense to average assets | 2.6670% | 1,468 |
| Loan and lease loss provision to assets | 0.0226% | 2,192 |
| Net operating income to assets | 0.5408% | 3,792 |
| Return on assets (ROA) | 0.5280% | 3,776 |
| Pretax return on assets | 0.5584% | 3,907 |
| Return on Equity (ROE) | 5.0772% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.6905% | 3,552 |
| Net charge-offs to loans | 0.0174% | 1,394 |
| Credit loss provision to net charge-offs | 222.2222% | 924 |
| Earnings coverage of net charge-offs (x) | 58.5556% | 1,089 |
| Efficiency ratio | 77.6202% | 1,115 |
| Assets per employee ($millions) | 5.7323% | 2,995 |
| Cash dividends to net income (ytd only)* | 47.0085% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,433.3333% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,750 |
| Noncurrent loans to loans | 0.0396% | 3,649 |
| Net loans and leases to total assets | 61.1067% | 2,211 |
| Net loans and leases to deposits | 67.6047% | 2,423 |
| Net loans and leases to core deposits | 71.2656% | 2,394 |
| Total domestic deposits to total assets | 90.3883% | 1,518 |
| Equity capital to assets | 9.0482% | 2,357 |
| Core capital (leverage) ratio | 11.2309% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3455% | 1,346 |
| Memoranda: | ||
| Average total assets | $177,278,000 | 3,264 |
| Average earning assets | $165,950,333 | 3,260 |
| Average equity | $18,435,333 | 3,192 |
| Average total loans | $103,399,667 | 3,140 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 2,250 |
| Cost of funding earning assets | 0.2263% | 2,451 |
| Net interest margin | 3.1203% | 2,108 |
| Noninterest income to average assets | 0.2290% | 3,783 |
| Noninterest expense to average assets | 2.5721% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5579% | 3,534 |
| Return on assets (ROA) | 0.5535% | 3,520 |
| Pretax return on assets | 0.5647% | 3,721 |
| Return on Equity (ROE) | 5.0118% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.0457% | 2,920 |
| Net charge-offs to loans | 0.0039% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 357 |
| Efficiency ratio | 77.6362% | 1,346 |
| Assets per employee ($millions) | 5.7027% | 3,117 |
| Cash dividends to net income (ytd only)* | 19.2771% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,823 |
| Loan loss allowance to noncurrent loans | 1,216.8675% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 3,585 |
| Noncurrent loans to loans | 0.0799% | 3,439 |
| Net loans and leases to total assets | 56.3372% | 2,498 |
| Net loans and leases to deposits | 63.0950% | 2,612 |
| Net loans and leases to core deposits | 67.4595% | 2,498 |
| Total domestic deposits to total assets | 89.2895% | 1,933 |
| Equity capital to assets | 10.2052% | 1,755 |
| Core capital (leverage) ratio | 11.0905% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9422% | 1,276 |
| Memoranda: | ||
| Average total assets | $179,933,000 | 3,256 |
| Average earning assets | $167,935,000 | 3,250 |
| Average equity | $19,873,000 | 3,158 |
| Average total loans | $102,046,500 | 3,158 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1920% | 3,486 |
| Cost of funding earning assets | 0.2742% | 2,663 |
| Net interest margin | 2.9178% | 3,402 |
| Noninterest income to average assets | 0.6880% | 1,806 |
| Noninterest expense to average assets | 2.7101% | 1,613 |
| Loan and lease loss provision to assets | 0.0359% | 2,330 |
| Net operating income to assets | 0.6278% | 3,817 |
| Return on assets (ROA) | 0.6897% | 3,709 |
| Pretax return on assets | 0.7255% | 3,875 |
| Return on Equity (ROE) | 6.7534% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.8364% | 3,713 |
| Net charge-offs to loans | 0.0517% | 1,291 |
| Credit loss provision to net charge-offs | 147.7273% | 1,501 |
| Earnings coverage of net charge-offs (x) | 28.6818% | 1,639 |
| Efficiency ratio | 75.6884% | 1,131 |
| Assets per employee ($millions) | 5.7220% | 3,030 |
| Cash dividends to net income (ytd only)* | 58.0000% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,713 |
| Loan loss allowance to noncurrent loans | 2,351.1628% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,881 |
| Noncurrent loans to loans | 0.0429% | 3,768 |
| Net loans and leases to total assets | 55.9615% | 2,618 |
| Net loans and leases to deposits | 63.9800% | 2,688 |
| Net loans and leases to core deposits | 67.5649% | 2,685 |
| Total domestic deposits to total assets | 87.4671% | 2,300 |
| Equity capital to assets | 11.9083% | 1,293 |
| Core capital (leverage) ratio | 11.0770% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1146% | 1,236 |
| Memoranda: | ||
| Average total assets | $181,247,200 | 3,201 |
| Average earning assets | $168,861,200 | 3,198 |
| Average equity | $18,509,200 | 3,347 |
| Average total loans | $85,066,200 | 3,401 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 3,745 |
| Cost of funding earning assets | 0.2807% | 2,791 |
| Net interest margin | 2.8495% | 3,660 |
| Noninterest income to average assets | 0.7866% | 1,568 |
| Noninterest expense to average assets | 2.6101% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7949% | 3,532 |
| Return on assets (ROA) | 0.9527% | 3,154 |
| Pretax return on assets | 1.0017% | 3,451 |
| Return on Equity (ROE) | 9.7221% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.2499% | 2,726 |
| Net charge-offs to loans | 0.0427% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 43.9231% | 1,306 |
| Efficiency ratio | 71.9261% | 1,414 |
| Assets per employee ($millions) | 5.8864% | 2,803 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,393 |
| Loan loss allowance to noncurrent loans | 109.2865% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 1,575 |
| Noncurrent loans to loans | 1.0158% | 1,129 |
| Net loans and leases to total assets | 47.1068% | 3,705 |
| Net loans and leases to deposits | 52.7408% | 3,832 |
| Net loans and leases to core deposits | 55.5567% | 3,809 |
| Total domestic deposits to total assets | 89.3176% | 1,112 |
| Equity capital to assets | 10.0402% | 2,867 |
| Core capital (leverage) ratio | 9.4709% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9621% | 1,623 |
| Memoranda: | ||
| Average total assets | $182,213,750 | 3,226 |
| Average earning assets | $170,039,000 | 3,214 |
| Average equity | $17,855,750 | 3,441 |
| Average total loans | $81,263,750 | 3,506 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1516% | 3,766 |
| Cost of funding earning assets | 0.2997% | 2,779 |
| Net interest margin | 2.8519% | 3,676 |
| Noninterest income to average assets | 0.7973% | 1,541 |
| Noninterest expense to average assets | 2.5389% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8697% | 3,307 |
| Return on assets (ROA) | 0.8895% | 3,327 |
| Pretax return on assets | 0.9334% | 3,588 |
| Return on Equity (ROE) | 9.1522% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,932 |
| Net charge-offs to loans | 0.0655% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 31.9615% | 1,276 |
| Efficiency ratio | 69.7423% | 1,675 |
| Assets per employee ($millions) | 5.6985% | 2,898 |
| Cash dividends to net income (ytd only)* | 38.0247% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,668 |
| Loan loss allowance to noncurrent loans | 127.3448% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 1,907 |
| Noncurrent loans to loans | 0.9833% | 1,254 |
| Net loans and leases to total assets | 43.0343% | 4,112 |
| Net loans and leases to deposits | 48.3173% | 4,196 |
| Net loans and leases to core deposits | 50.9893% | 4,186 |
| Total domestic deposits to total assets | 89.0661% | 1,251 |
| Equity capital to assets | 10.1629% | 2,712 |
| Core capital (leverage) ratio | 9.2690% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4486% | 1,238 |
| Memoranda: | ||
| Average total assets | $182,126,000 | 3,237 |
| Average earning assets | $169,501,667 | 3,226 |
| Average equity | $17,700,667 | 3,454 |
| Average total loans | $79,377,000 | 3,560 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1737% | 3,731 |
| Cost of funding earning assets | 0.3331% | 2,681 |
| Net interest margin | 2.8406% | 3,669 |
| Noninterest income to average assets | 0.3094% | 3,557 |
| Noninterest expense to average assets | 2.4515% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4147% | 4,336 |
| Return on assets (ROA) | 0.4241% | 4,351 |
| Pretax return on assets | 0.4890% | 4,370 |
| Return on Equity (ROE) | 4.4610% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.3443% | 3,940 |
| Net charge-offs to loans | -0.0099% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2467% | 872 |
| Assets per employee ($millions) | 6.0688% | 2,531 |
| Cash dividends to net income (ytd only)* | 47.4490% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,603 |
| Loan loss allowance to noncurrent loans | 126.2087% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 2,150 |
| Noncurrent loans to loans | 1.0001% | 1,343 |
| Net loans and leases to total assets | 41.2487% | 4,279 |
| Net loans and leases to deposits | 45.8714% | 4,361 |
| Net loans and leases to core deposits | 48.3586% | 4,362 |
| Total domestic deposits to total assets | 89.9225% | 856 |
| Equity capital to assets | 9.2414% | 3,453 |
| Core capital (leverage) ratio | 9.0654% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9777% | 1,291 |
| Memoranda: | ||
| Average total assets | $184,863,000 | 3,209 |
| Average earning assets | $170,526,500 | 3,207 |
| Average equity | $17,574,500 | 3,466 |
| Average total loans | $80,573,000 | 3,550 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 2,504 |
| Cost of funding earning assets | 0.5500% | 2,613 |
| Net interest margin | 3.5215% | 2,408 |
| Noninterest income to average assets | 0.5455% | 2,439 |
| Noninterest expense to average assets | 2.7310% | 2,139 |
| Loan and lease loss provision to assets | 0.1595% | 2,376 |
| Net operating income to assets | 0.8091% | 3,057 |
| Return on assets (ROA) | 0.8167% | 3,148 |
| Pretax return on assets | 0.8608% | 3,478 |
| Return on Equity (ROE) | 7.9323% | 2,845 |
| Retained earnings to average equity (ytd only) | 4.2731% | 2,663 |
| Net charge-offs to loans | -0.0548% | 4,686 |
| Credit loss provision to net charge-offs | -541.6667% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0379% | 2,089 |
| Assets per employee ($millions) | 5.8579% | 2,488 |
| Cash dividends to net income (ytd only)* | 46.1307% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,957 |
| Loan loss allowance to noncurrent loans | 565.7143% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,830 |
| Noncurrent loans to loans | 0.2120% | 3,440 |
| Net loans and leases to total assets | 44.9145% | 4,200 |
| Net loans and leases to deposits | 50.1827% | 4,308 |
| Net loans and leases to core deposits | 53.1789% | 4,291 |
| Total domestic deposits to total assets | 89.5019% | 769 |
| Equity capital to assets | 9.7817% | 3,335 |
| Core capital (leverage) ratio | 9.1824% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6635% | 1,640 |
| Memoranda: | ||
| Average total assets | $162,981,000 | 3,262 |
| Average earning assets | $148,003,200 | 3,291 |
| Average equity | $16,779,400 | 3,473 |
| Average total loans | $87,533,000 | 3,445 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,240 |
| Cost of funding earning assets | 0.5945% | 2,647 |
| Net interest margin | 3.6596% | 2,064 |
| Noninterest income to average assets | 0.5979% | 2,188 |
| Noninterest expense to average assets | 2.7764% | 2,033 |
| Loan and lease loss provision to assets | 0.2192% | 1,833 |
| Net operating income to assets | 0.8940% | 2,732 |
| Return on assets (ROA) | 0.9044% | 2,815 |
| Pretax return on assets | 0.9516% | 3,226 |
| Return on Equity (ROE) | 8.6610% | 2,543 |
| Retained earnings to average equity (ytd only) | 4.9434% | 2,582 |
| Net charge-offs to loans | -0.0856% | 4,796 |
| Credit loss provision to net charge-offs | -456.1404% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6881% | 2,372 |
| Assets per employee ($millions) | 6.3515% | 1,955 |
| Cash dividends to net income (ytd only)* | 42.9236% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,909 |
| Loan loss allowance to noncurrent loans | 447.9821% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 3,800 |
| Noncurrent loans to loans | 0.2582% | 3,378 |
| Net loans and leases to total assets | 48.0013% | 4,212 |
| Net loans and leases to deposits | 53.6758% | 4,347 |
| Net loans and leases to core deposits | 57.2811% | 4,329 |
| Total domestic deposits to total assets | 89.4282% | 606 |
| Equity capital to assets | 9.8914% | 3,345 |
| Core capital (leverage) ratio | 9.5988% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4487% | 2,438 |
| Memoranda: | ||
| Average total assets | $158,327,750 | 3,289 |
| Average earning assets | $144,420,500 | 3,315 |
| Average equity | $16,533,500 | 3,503 |
| Average total loans | $88,778,250 | 3,440 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 1,814 |
| Cost of funding earning assets | 0.6474% | 2,715 |
| Net interest margin | 3.8890% | 1,597 |
| Noninterest income to average assets | 0.8102% | 1,406 |
| Noninterest expense to average assets | 2.8942% | 1,840 |
| Loan and lease loss provision to assets | 0.3425% | 1,244 |
| Net operating income to assets | 1.0481% | 2,157 |
| Return on assets (ROA) | 1.0644% | 2,219 |
| Pretax return on assets | 1.1197% | 2,652 |
| Return on Equity (ROE) | 9.9870% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.1924% | 1,993 |
| Net charge-offs to loans | -0.1206% | 4,874 |
| Credit loss provision to net charge-offs | -481.4815% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0540% | 2,945 |
| Assets per employee ($millions) | 4.9578% | 3,219 |
| Cash dividends to net income (ytd only)* | 37.9950% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,135 |
| Loan loss allowance to noncurrent loans | 446.6368% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,598 |
| Noncurrent loans to loans | 0.2436% | 3,509 |
| Net loans and leases to total assets | 57.0712% | 3,600 |
| Net loans and leases to deposits | 64.6895% | 3,832 |
| Net loans and leases to core deposits | 69.5171% | 3,744 |
| Total domestic deposits to total assets | 88.2232% | 1,075 |
| Equity capital to assets | 10.9694% | 2,370 |
| Core capital (leverage) ratio | 9.5117% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3682% | 2,457 |
| Memoranda: | ||
| Average total assets | $151,823,333 | 3,340 |
| Average earning assets | $137,772,000 | 3,377 |
| Average equity | $16,181,000 | 3,530 |
| Average total loans | $89,582,667 | 3,419 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,652 |
| Cost of funding earning assets | 0.6784% | 3,021 |
| Net interest margin | 4.0433% | 1,279 |
| Noninterest income to average assets | 0.3315% | 3,542 |
| Noninterest expense to average assets | 3.0807% | 1,688 |
| Loan and lease loss provision to assets | 0.1482% | 1,913 |
| Net operating income to assets | 0.7119% | 3,237 |
| Return on assets (ROA) | 0.7196% | 3,290 |
| Pretax return on assets | 0.7574% | 3,528 |
| Return on Equity (ROE) | 6.8593% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.4701% | 2,505 |
| Net charge-offs to loans | -0.1806% | 4,929 |
| Credit loss provision to net charge-offs | -137.5000% | 3,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3740% | 1,896 |
| Assets per employee ($millions) | 4.8835% | 2,774 |
| Cash dividends to net income (ytd only)* | 34.8315% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,147 |
| Loan loss allowance to noncurrent loans | 332.0513% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,668 |
| Noncurrent loans to loans | 0.2679% | 3,534 |
| Net loans and leases to total assets | 57.1862% | 3,737 |
| Net loans and leases to deposits | 64.0617% | 3,983 |
| Net loans and leases to core deposits | 66.3537% | 4,063 |
| Total domestic deposits to total assets | 89.2673% | 558 |
| Equity capital to assets | 9.9882% | 3,797 |
| Core capital (leverage) ratio | 9.7510% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6246% | 2,877 |
| Memoranda: | ||
| Average total assets | $148,409,500 | 3,346 |
| Average earning assets | $133,851,500 | 3,399 |
| Average equity | $15,570,000 | 3,605 |
| Average total loans | $88,604,000 | 3,427 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 2,055 |
| Cost of funding earning assets | 0.6538% | 3,391 |
| Net interest margin | 4.1408% | 1,449 |
| Noninterest income to average assets | 0.3024% | 3,880 |
| Noninterest expense to average assets | 2.9888% | 2,049 |
| Loan and lease loss provision to assets | 0.2829% | 614 |
| Net operating income to assets | 0.7459% | 3,714 |
| Return on assets (ROA) | 0.7774% | 3,699 |
| Pretax return on assets | 0.8242% | 3,925 |
| Return on Equity (ROE) | 7.2857% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.2207% | 3,407 |
| Net charge-offs to loans | 0.3002% | 696 |
| Credit loss provision to net charge-offs | 148.3516% | 1,729 |
| Earnings coverage of net charge-offs (x) | 5.6300% | 3,059 |
| Efficiency ratio | 68.7414% | 2,353 |
| Assets per employee ($millions) | 4.2774% | 3,535 |
| Cash dividends to net income (ytd only)* | 55.7951% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,419 |
| Loan loss allowance to noncurrent loans | 144.1860% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 2,908 |
| Noncurrent loans to loans | 0.5264% | 2,604 |
| Net loans and leases to total assets | 61.3184% | 3,468 |
| Net loans and leases to deposits | 69.5867% | 3,704 |
| Net loans and leases to core deposits | 72.1950% | 3,847 |
| Total domestic deposits to total assets | 88.1181% | 1,079 |
| Equity capital to assets | 11.0148% | 2,981 |
| Core capital (leverage) ratio | 9.7401% | 3,803 |
| Tier 1 risk-based capital ratio | 11.7213% | 4,515 |
| Total risk-based capital ratio | 12.3067% | 4,732 |
| Memoranda: | ||
| Average total assets | $143,166,000 | 3,394 |
| Average earning assets | $129,999,600 | 3,424 |
| Average equity | $15,276,400 | 3,613 |
| Average total loans | $90,930,200 | 3,376 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 2,226 |
| Cost of funding earning assets | 0.6376% | 3,505 |
| Net interest margin | 4.1302% | 1,547 |
| Noninterest income to average assets | 0.3628% | 3,550 |
| Noninterest expense to average assets | 3.0266% | 1,906 |
| Loan and lease loss provision to assets | 0.2796% | 542 |
| Net operating income to assets | 0.7888% | 3,707 |
| Return on assets (ROA) | 0.8265% | 3,671 |
| Pretax return on assets | 0.8630% | 3,968 |
| Return on Equity (ROE) | 7.8103% | 3,382 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,555 |
| Net charge-offs to loans | 0.1857% | 931 |
| Credit loss provision to net charge-offs | 235.4331% | 1,146 |
| Earnings coverage of net charge-offs (x) | 9.2913% | 2,582 |
| Efficiency ratio | 68.5080% | 2,338 |
| Assets per employee ($millions) | 4.6082% | 3,040 |
| Cash dividends to net income (ytd only)* | 52.8278% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,443 |
| Loan loss allowance to noncurrent loans | 122.5806% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 2,491 |
| Noncurrent loans to loans | 0.6436% | 2,348 |
| Net loans and leases to total assets | 61.5736% | 3,538 |
| Net loans and leases to deposits | 69.7414% | 3,782 |
| Net loans and leases to core deposits | 72.5389% | 3,913 |
| Total domestic deposits to total assets | 88.2884% | 918 |
| Equity capital to assets | 10.8788% | 3,223 |
| Core capital (leverage) ratio | 9.8504% | 3,784 |
| Tier 1 risk-based capital ratio | 11.5291% | 4,657 |
| Total risk-based capital ratio | 12.1453% | 4,849 |
| Memoranda: | ||
| Average total assets | $142,599,750 | 3,435 |
| Average earning assets | $130,064,000 | 3,463 |
| Average equity | $15,090,750 | 3,664 |
| Average total loans | $91,198,250 | 3,413 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 2,151 |
| Cost of funding earning assets | 0.6140% | 3,579 |
| Net interest margin | 4.1582% | 1,465 |
| Noninterest income to average assets | 0.3575% | 3,538 |
| Noninterest expense to average assets | 3.0473% | 1,871 |
| Loan and lease loss provision to assets | 0.2880% | 492 |
| Net operating income to assets | 0.7763% | 3,730 |
| Return on assets (ROA) | 0.7817% | 3,782 |
| Pretax return on assets | 0.8228% | 4,042 |
| Return on Equity (ROE) | 7.4592% | 3,517 |
| Retained earnings to average equity (ytd only) | 3.2084% | 3,621 |
| Net charge-offs to loans | 0.2832% | 595 |
| Credit loss provision to net charge-offs | 157.3643% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.0388% | 2,602 |
| Efficiency ratio | 68.5685% | 2,436 |
| Assets per employee ($millions) | 4.1465% | 3,651 |
| Cash dividends to net income (ytd only)* | 56.9873% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 4,749 |
| Loan loss allowance to noncurrent loans | 86.3071% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,106 |
| Noncurrent loans to loans | 0.7806% | 2,034 |
| Net loans and leases to total assets | 67.2289% | 2,934 |
| Net loans and leases to deposits | 76.6645% | 3,274 |
| Net loans and leases to core deposits | 80.2814% | 3,396 |
| Total domestic deposits to total assets | 87.6924% | 1,248 |
| Equity capital to assets | 11.4248% | 2,682 |
| Core capital (leverage) ratio | 9.7129% | 3,920 |
| Tier 1 risk-based capital ratio | 11.6435% | 4,612 |
| Total risk-based capital ratio | 12.1915% | 4,852 |
| Memoranda: | ||
| Average total assets | $140,979,330 | 3,482 |
| Average earning assets | $128,660,330 | 3,497 |
| Average equity | $14,773,670 | 3,698 |
| Average total loans | $91,091,330 | 3,433 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,279 |
| Cost of funding earning assets | 0.5631% | 3,769 |
| Net interest margin | 4.1214% | 1,495 |
| Noninterest income to average assets | 0.3411% | 3,581 |
| Noninterest expense to average assets | 3.2492% | 1,384 |
| Loan and lease loss provision to assets | 0.2349% | 641 |
| Net operating income to assets | 0.5295% | 4,434 |
| Return on assets (ROA) | 0.5397% | 4,434 |
| Pretax return on assets | 0.5928% | 4,530 |
| Return on Equity (ROE) | 5.3820% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.7328% | 3,844 |
| Net charge-offs to loans | -0.0089% | 4,187 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1032% | 1,601 |
| Assets per employee ($millions) | 4.3743% | 3,370 |
| Cash dividends to net income (ytd only)* | 49.2228% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,740 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,770 |
| Noncurrent loans to loans | 0.2644% | 3,615 |
| Net loans and leases to total assets | 60.8658% | 3,615 |
| Net loans and leases to deposits | 68.3749% | 3,897 |
| Net loans and leases to core deposits | 71.1339% | 3,997 |
| Total domestic deposits to total assets | 89.0178% | 852 |
| Equity capital to assets | 10.1717% | 3,657 |
| Core capital (leverage) ratio | 9.6929% | 3,926 |
| Tier 1 risk-based capital ratio | 11.9938% | 4,466 |
| Total risk-based capital ratio | 12.5782% | 4,730 |
| Memoranda: | ||
| Average total assets | $143,052,000 | 3,484 |
| Average earning assets | $129,276,000 | 3,526 |
| Average equity | $14,344,000 | 3,753 |
| Average total loans | $90,329,000 | 3,485 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,417 |
| Cost of funding earning assets | 0.5838% | 2,831 |
| Net interest margin | 3.9314% | 2,221 |
| Noninterest income to average assets | 0.4447% | 3,138 |
| Noninterest expense to average assets | 2.8430% | 2,542 |
| Loan and lease loss provision to assets | 0.0990% | 2,204 |
| Net operating income to assets | 1.0839% | 2,664 |
| Return on assets (ROA) | 1.0830% | 2,664 |
| Pretax return on assets | 1.1271% | 3,182 |
| Return on Equity (ROE) | 10.7303% | 2,198 |
| Retained earnings to average equity (ytd only) | 7.0733% | 1,641 |
| Net charge-offs to loans | 0.1468% | 1,303 |
| Credit loss provision to net charge-offs | 113.4021% | 2,284 |
| Earnings coverage of net charge-offs (x) | 14.0515% | 2,402 |
| Efficiency ratio | 69.4537% | 2,295 |
| Assets per employee ($millions) | 4.1692% | 3,655 |
| Cash dividends to net income (ytd only)* | 34.0815% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 4,977 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 3,887 |
| Noncurrent loans to loans | 0.2029% | 3,855 |
| Net loans and leases to total assets | 64.6277% | 3,285 |
| Net loans and leases to deposits | 75.4702% | 3,388 |
| Net loans and leases to core deposits | 78.1490% | 3,568 |
| Total domestic deposits to total assets | 85.6334% | 2,384 |
| Equity capital to assets | 9.8799% | 3,780 |
| Core capital (leverage) ratio | 9.6857% | 3,910 |
| Tier 1 risk-based capital ratio | 11.5089% | 4,726 |
| Total risk-based capital ratio | 11.9997% | 4,983 |
| Memoranda: | ||
| Average total assets | $111,081,600 | 3,924 |
| Average earning assets | $102,430,600 | 3,942 |
| Average equity | $11,211,200 | 4,131 |
| Average total loans | $66,057,800 | 3,965 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,823 |
| Cost of funding earning assets | 0.5552% | 2,832 |
| Net interest margin | 3.7825% | 2,707 |
| Noninterest income to average assets | 0.4732% | 3,025 |
| Noninterest expense to average assets | 2.8132% | 2,595 |
| Loan and lease loss provision to assets | 0.0709% | 2,543 |
| Net operating income to assets | 1.0559% | 2,848 |
| Return on assets (ROA) | 1.0546% | 2,864 |
| Pretax return on assets | 1.1101% | 3,356 |
| Return on Equity (ROE) | 10.3745% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.3433% | 1,951 |
| Net charge-offs to loans | 0.1613% | 1,025 |
| Credit loss provision to net charge-offs | 76.3889% | 2,569 |
| Earnings coverage of net charge-offs (x) | 12.7358% | 2,429 |
| Efficiency ratio | 70.4098% | 2,133 |
| Assets per employee ($millions) | 3.7076% | 4,295 |
| Cash dividends to net income (ytd only)* | 29.2177% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,501 |
| Loan loss allowance to noncurrent loans | 160.4938% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,447 |
| Noncurrent loans to loans | 0.5219% | 2,819 |
| Net loans and leases to total assets | 59.3047% | 3,921 |
| Net loans and leases to deposits | 66.7961% | 4,144 |
| Net loans and leases to core deposits | 69.3608% | 4,229 |
| Total domestic deposits to total assets | 88.7846% | 920 |
| Equity capital to assets | 10.0402% | 3,598 |
| Core capital (leverage) ratio | 11.7517% | 1,964 |
| Tier 1 risk-based capital ratio | 14.3052% | 3,209 |
| Total risk-based capital ratio | 14.9228% | 3,446 |
| Memoranda: | ||
| Average total assets | $103,414,000 | 4,087 |
| Average earning assets | $96,302,000 | 4,073 |
| Average equity | $10,512,750 | 4,270 |
| Average total loans | $59,532,000 | 4,146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 3,037 |
| Cost of funding earning assets | 0.4866% | 3,117 |
| Net interest margin | 3.7374% | 2,799 |
| Noninterest income to average assets | 0.4667% | 3,053 |
| Noninterest expense to average assets | 2.7827% | 2,714 |
| Loan and lease loss provision to assets | 0.0581% | 2,740 |
| Net operating income to assets | 1.0648% | 2,728 |
| Return on assets (ROA) | 1.0592% | 2,760 |
| Pretax return on assets | 1.1154% | 3,252 |
| Return on Equity (ROE) | 10.3769% | 2,391 |
| Retained earnings to average equity (ytd only) | 7.6451% | 1,776 |
| Net charge-offs to loans | -0.0068% | 4,186 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2346% | 2,268 |
| Assets per employee ($millions) | 3.9460% | 3,988 |
| Cash dividends to net income (ytd only)* | 26.3254% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 4,221 |
| Loan loss allowance to noncurrent loans | 400.7042% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 4,297 |
| Noncurrent loans to loans | 0.2309% | 3,887 |
| Net loans and leases to total assets | 59.3926% | 3,862 |
| Net loans and leases to deposits | 72.0706% | 3,709 |
| Net loans and leases to core deposits | 74.8146% | 3,823 |
| Total domestic deposits to total assets | 82.4088% | 3,588 |
| Equity capital to assets | 10.2186% | 3,428 |
| Core capital (leverage) ratio | 11.7812% | 1,851 |
| Tier 1 risk-based capital ratio | 14.2309% | 3,246 |
| Total risk-based capital ratio | 14.9131% | 3,443 |
| Memoranda: | ||
| Average total assets | $103,281,000 | 4,124 |
| Average earning assets | $96,592,330 | 4,105 |
| Average equity | $10,542,670 | 4,302 |
| Average total loans | $58,680,670 | 4,196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,210 |
| Cost of funding earning assets | 0.4960% | 2,827 |
| Net interest margin | 3.6124% | 3,127 |
| Noninterest income to average assets | 0.4555% | 3,077 |
| Noninterest expense to average assets | 2.5593% | 3,462 |
| Loan and lease loss provision to assets | 0.0579% | 2,613 |
| Net operating income to assets | 1.1532% | 2,201 |
| Return on assets (ROA) | 1.1349% | 2,285 |
| Pretax return on assets | 1.1928% | 2,782 |
| Return on Equity (ROE) | 11.1237% | 1,913 |
| Retained earnings to average equity (ytd only) | 11.1237% | 865 |
| Net charge-offs to loans | -0.0070% | 4,123 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8347% | 3,026 |
| Assets per employee ($millions) | 4.0383% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,121 |
| Loan loss allowance to noncurrent loans | 1,106.0000% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,866 |
| Noncurrent loans to loans | 0.0876% | 4,590 |
| Net loans and leases to total assets | 53.8140% | 4,303 |
| Net loans and leases to deposits | 59.7974% | 4,486 |
| Net loans and leases to core deposits | 62.0226% | 4,551 |
| Total domestic deposits to total assets | 89.9938% | 657 |
| Equity capital to assets | 9.8309% | 3,764 |
| Core capital (leverage) ratio | 11.7193% | 1,834 |
| Tier 1 risk-based capital ratio | 14.8529% | 2,951 |
| Total risk-based capital ratio | 15.5513% | 3,141 |
| Memoranda: | ||
| Average total assets | $103,623,000 | 4,166 |
| Average earning assets | $96,779,000 | 4,146 |
| Average equity | $10,572,000 | 4,341 |
| Average total loans | $57,269,000 | 4,274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,589 |
| Cost of funding earning assets | 0.4773% | 2,526 |
| Net interest margin | 3.4679% | 3,629 |
| Noninterest income to average assets | 0.4440% | 3,346 |
| Noninterest expense to average assets | 2.8566% | 2,589 |
| Loan and lease loss provision to assets | 0.0451% | 3,338 |
| Net operating income to assets | 0.6967% | 3,617 |
| Return on assets (ROA) | 0.7440% | 3,452 |
| Pretax return on assets | 0.7835% | 4,296 |
| Return on Equity (ROE) | 7.4502% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.8318% | 2,232 |
| Net charge-offs to loans | 0.1758% | 1,416 |
| Credit loss provision to net charge-offs | 48.9796% | 3,338 |
| Earnings coverage of net charge-offs (x) | 8.4490% | 2,912 |
| Efficiency ratio | 78.5770% | 1,274 |
| Assets per employee ($millions) | 3.7871% | 4,299 |
| Cash dividends to net income (ytd only)* | 35.1454% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,296 |
| Loan loss allowance to noncurrent loans | 910.1695% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,843 |
| Noncurrent loans to loans | 0.1026% | 4,528 |
| Net loans and leases to total assets | 55.6924% | 4,220 |
| Net loans and leases to deposits | 65.0997% | 4,253 |
| Net loans and leases to core deposits | 68.3101% | 4,275 |
| Total domestic deposits to total assets | 85.5493% | 2,635 |
| Equity capital to assets | 10.5838% | 3,072 |
| Core capital (leverage) ratio | 11.1585% | 2,189 |
| Tier 1 risk-based capital ratio | 14.8128% | 2,922 |
| Total risk-based capital ratio | 15.5064% | 3,118 |
| Memoranda: | ||
| Average total assets | $106,315,800 | 4,127 |
| Average earning assets | $97,841,600 | 4,137 |
| Average equity | $10,617,200 | 4,363 |
| Average total loans | $55,736,600 | 4,301 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,812 |
| Cost of funding earning assets | 0.4717% | 2,503 |
| Net interest margin | 3.3843% | 3,907 |
| Noninterest income to average assets | 0.4460% | 3,361 |
| Noninterest expense to average assets | 2.7888% | 2,766 |
| Loan and lease loss provision to assets | 0.0373% | 3,366 |
| Net operating income to assets | 0.6862% | 4,044 |
| Return on assets (ROA) | 0.7428% | 3,835 |
| Pretax return on assets | 0.7814% | 4,399 |
| Return on Equity (ROE) | 7.5460% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.5428% | 3,193 |
| Net charge-offs to loans | 0.2363% | 904 |
| Credit loss provision to net charge-offs | 30.6122% | 3,073 |
| Earnings coverage of net charge-offs (x) | 6.2349% | 3,007 |
| Efficiency ratio | 78.6064% | 1,256 |
| Assets per employee ($millions) | 3.8850% | 4,184 |
| Cash dividends to net income (ytd only)* | 39.8001% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,456 |
| Loan loss allowance to noncurrent loans | 322.3602% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,333 |
| Noncurrent loans to loans | 0.2861% | 3,922 |
| Net loans and leases to total assets | 51.2544% | 4,629 |
| Net loans and leases to deposits | 57.1922% | 4,806 |
| Net loans and leases to core deposits | 60.4128% | 4,796 |
| Total domestic deposits to total assets | 89.6177% | 611 |
| Equity capital to assets | 10.1764% | 3,715 |
| Core capital (leverage) ratio | 11.0262% | 2,431 |
| Tier 1 risk-based capital ratio | 14.7188% | 3,052 |
| Total risk-based capital ratio | 15.3940% | 3,285 |
| Memoranda: | ||
| Average total assets | $107,332,000 | 4,153 |
| Average earning assets | $98,374,000 | 4,167 |
| Average equity | $10,566,000 | 4,409 |
| Average total loans | $55,300,000 | 4,352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 3,845 |
| Cost of funding earning assets | 0.4632% | 2,471 |
| Net interest margin | 3.3507% | 3,944 |
| Noninterest income to average assets | 0.4436% | 3,395 |
| Noninterest expense to average assets | 2.7909% | 2,796 |
| Loan and lease loss provision to assets | 0.0281% | 3,437 |
| Net operating income to assets | 0.6637% | 4,006 |
| Return on assets (ROA) | 0.7206% | 3,822 |
| Pretax return on assets | 0.7581% | 4,412 |
| Return on Equity (ROE) | 7.4053% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.0010% | 2,707 |
| Net charge-offs to loans | 0.3565% | 567 |
| Credit loss provision to net charge-offs | 15.3061% | 2,819 |
| Earnings coverage of net charge-offs (x) | 3.9592% | 2,989 |
| Efficiency ratio | 79.3507% | 1,287 |
| Assets per employee ($millions) | 3.7872% | 4,298 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,666 |
| Loan loss allowance to noncurrent loans | 1,095.6522% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 4,833 |
| Noncurrent loans to loans | 0.0815% | 4,808 |
| Net loans and leases to total assets | 52.7400% | 4,506 |
| Net loans and leases to deposits | 62.5011% | 4,469 |
| Net loans and leases to core deposits | 65.8728% | 4,475 |
| Total domestic deposits to total assets | 84.3825% | 3,059 |
| Equity capital to assets | 10.3781% | 3,478 |
| Core capital (leverage) ratio | 10.7030% | 2,700 |
| Tier 1 risk-based capital ratio | 14.5718% | 3,129 |
| Total risk-based capital ratio | 15.2268% | 3,354 |
| Memoranda: | ||
| Average total assets | $106,849,000 | 4,189 |
| Average earning assets | $98,009,000 | 4,201 |
| Average equity | $10,398,000 | 4,453 |
| Average total loans | $54,975,330 | 4,388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 4,280 |
| Cost of funding earning assets | 0.4477% | 2,545 |
| Net interest margin | 3.2033% | 4,336 |
| Noninterest income to average assets | 0.4214% | 3,512 |
| Noninterest expense to average assets | 2.7039% | 3,125 |
| Loan and lease loss provision to assets | 0.0112% | 3,419 |
| Net operating income to assets | 0.6079% | 4,123 |
| Return on assets (ROA) | 0.6079% | 4,176 |
| Pretax return on assets | 0.6415% | 4,625 |
| Return on Equity (ROE) | 6.4590% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.4590% | 2,107 |
| Net charge-offs to loans | 0.5530% | 321 |
| Credit loss provision to net charge-offs | 4.0000% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 2,607 |
| Efficiency ratio | 80.5556% | 1,311 |
| Assets per employee ($millions) | 4.0819% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,455 |
| Loan loss allowance to noncurrent loans | 455.7522% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,876 |
| Noncurrent loans to loans | 0.2124% | 4,350 |
| Net loans and leases to total assets | 46.0977% | 4,936 |
| Net loans and leases to deposits | 50.7318% | 5,085 |
| Net loans and leases to core deposits | 52.8000% | 5,114 |
| Total domestic deposits to total assets | 90.8655% | 338 |
| Equity capital to assets | 9.0006% | 4,801 |
| Core capital (leverage) ratio | 10.8333% | 2,569 |
| Tier 1 risk-based capital ratio | 15.0712% | 2,931 |
| Total risk-based capital ratio | 15.7695% | 3,123 |
| Memoranda: | ||
| Average total assets | $107,253,000 | 4,223 |
| Average earning assets | $98,275,000 | 4,229 |
| Average equity | $10,094,500 | 4,528 |
| Average total loans | $54,248,000 | 4,448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,045 |
| Cost of funding earning assets | 0.4382% | 2,628 |
| Net interest margin | 3.6069% | 3,050 |
| Noninterest income to average assets | 0.4868% | 3,316 |
| Noninterest expense to average assets | 2.8568% | 2,825 |
| Loan and lease loss provision to assets | 0.0272% | 3,813 |
| Net operating income to assets | 0.8671% | 2,994 |
| Return on assets (ROA) | 0.9495% | 2,696 |
| Pretax return on assets | 0.9996% | 3,481 |
| Return on Equity (ROE) | 8.5127% | 2,666 |
| Retained earnings to average equity (ytd only) | 5.6751% | 1,900 |
| Net charge-offs to loans | 0.2676% | 1,035 |
| Credit loss provision to net charge-offs | 17.4497% | 3,694 |
| Earnings coverage of net charge-offs (x) | 6.0403% | 3,240 |
| Efficiency ratio | 75.2407% | 2,104 |
| Assets per employee ($millions) | 3.8544% | 4,217 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,932 |
| Loan loss allowance to noncurrent loans | 549.5327% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,890 |
| Noncurrent loans to loans | 0.1935% | 4,465 |
| Net loans and leases to total assets | 54.5902% | 4,386 |
| Net loans and leases to deposits | 60.7147% | 4,630 |
| Net loans and leases to core deposits | 63.1079% | 4,686 |
| Total domestic deposits to total assets | 89.9126% | 675 |
| Equity capital to assets | 9.8809% | 3,843 |
| Core capital (leverage) ratio | 11.2985% | 2,085 |
| Tier 1 risk-based capital ratio | 15.3603% | 2,813 |
| Total risk-based capital ratio | 16.1849% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,735,800 | 4,435 |
| Average earning assets | $87,859,400 | 4,441 |
| Average equity | $10,678,200 | 4,465 |
| Average total loans | $55,670,000 | 4,413 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,029 |
| Cost of funding earning assets | 0.4312% | 2,727 |
| Net interest margin | 3.6213% | 3,002 |
| Noninterest income to average assets | 0.5087% | 3,189 |
| Noninterest expense to average assets | 2.8705% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9150% | 2,833 |
| Return on assets (ROA) | 1.0047% | 2,548 |
| Pretax return on assets | 1.0583% | 3,398 |
| Return on Equity (ROE) | 8.7437% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,323 |
| Net charge-offs to loans | -0.0024% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8622% | 2,131 |
| Assets per employee ($millions) | 3.9878% | 3,990 |
| Cash dividends to net income (ytd only)* | 34.2222% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,600 |
| Loan loss allowance to noncurrent loans | 386.4130% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,700 |
| Noncurrent loans to loans | 0.3404% | 4,036 |
| Net loans and leases to total assets | 53.5117% | 4,537 |
| Net loans and leases to deposits | 60.3552% | 4,733 |
| Net loans and leases to core deposits | 62.7771% | 4,788 |
| Total domestic deposits to total assets | 88.6613% | 1,071 |
| Equity capital to assets | 11.1301% | 2,885 |
| Core capital (leverage) ratio | 11.7958% | 1,815 |
| Tier 1 risk-based capital ratio | 15.3513% | 2,892 |
| Total risk-based capital ratio | 16.3604% | 2,931 |
| Memoranda: | ||
| Average total assets | $94,616,250 | 4,493 |
| Average earning assets | $86,890,750 | 4,495 |
| Average equity | $10,872,250 | 4,486 |
| Average total loans | $55,763,750 | 4,447 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 2,694 |
| Cost of funding earning assets | 0.4316% | 2,722 |
| Net interest margin | 3.7135% | 2,645 |
| Noninterest income to average assets | 0.4778% | 3,350 |
| Noninterest expense to average assets | 2.8755% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9595% | 2,582 |
| Return on assets (ROA) | 1.0331% | 2,371 |
| Pretax return on assets | 1.0869% | 3,253 |
| Return on Equity (ROE) | 8.8908% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.7605% | 2,260 |
| Net charge-offs to loans | -0.0036% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0166% | 2,355 |
| Assets per employee ($millions) | 3.5622% | 4,663 |
| Cash dividends to net income (ytd only)* | 35.2083% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,730 |
| Loan loss allowance to noncurrent loans | 526.6667% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,906 |
| Noncurrent loans to loans | 0.2491% | 4,458 |
| Net loans and leases to total assets | 60.0667% | 3,878 |
| Net loans and leases to deposits | 68.8137% | 4,102 |
| Net loans and leases to core deposits | 71.4402% | 4,224 |
| Total domestic deposits to total assets | 87.2889% | 1,761 |
| Equity capital to assets | 12.4787% | 1,784 |
| Core capital (leverage) ratio | 11.5682% | 1,936 |
| Tier 1 risk-based capital ratio | 15.7188% | 2,776 |
| Total risk-based capital ratio | 16.7674% | 2,793 |
| Memoranda: | ||
| Average total assets | $92,923,670 | 4,562 |
| Average earning assets | $85,256,000 | 4,556 |
| Average equity | $10,797,670 | 4,526 |
| Average total loans | $56,332,000 | 4,463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,458 |
| Cost of funding earning assets | 0.4134% | 2,917 |
| Net interest margin | 3.7893% | 2,327 |
| Noninterest income to average assets | 0.4554% | 3,447 |
| Noninterest expense to average assets | 2.8717% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0078% | 2,240 |
| Return on assets (ROA) | 1.0078% | 2,355 |
| Pretax return on assets | 1.0626% | 3,233 |
| Return on Equity (ROE) | 8.9850% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.9850% | 1,124 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9904% | 2,639 |
| Assets per employee ($millions) | 4.3071% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.8911% | 4,268 |
| Net loans and leases to deposits | 62.8510% | 4,521 |
| Net loans and leases to core deposits | 64.9554% | 4,626 |
| Total domestic deposits to total assets | 88.9264% | 1,143 |
| Equity capital to assets | 10.9283% | 3,024 |
| Core capital (leverage) ratio | 11.8325% | 1,724 |
| Tier 1 risk-based capital ratio | 15.4073% | 2,971 |
| Total risk-based capital ratio | 16.4421% | 3,004 |
| Memoranda: | ||
| Average total assets | $94,857,500 | 4,557 |
| Average earning assets | $87,088,000 | 4,561 |
| Average equity | $10,640,000 | 4,566 |
| Average total loans | $57,396,000 | 4,459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 1,713 |
| Cost of funding earning assets | 0.4461% | 2,666 |
| Net interest margin | 4.0152% | 1,669 |
| Noninterest income to average assets | 0.4765% | 3,487 |
| Noninterest expense to average assets | 2.9661% | 2,657 |
| Loan and lease loss provision to assets | 0.0265% | 3,860 |
| Net operating income to assets | 1.1160% | 1,851 |
| Return on assets (ROA) | 1.1265% | 1,878 |
| Pretax return on assets | 1.1862% | 2,710 |
| Return on Equity (ROE) | 10.0325% | 1,998 |
| Retained earnings to average equity (ytd only) | 6.7737% | 1,389 |
| Net charge-offs to loans | 0.0173% | 3,938 |
| Credit loss provision to net charge-offs | 240.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 108.7000% | 541 |
| Efficiency ratio | 71.1671% | 3,041 |
| Assets per employee ($millions) | 3.7771% | 4,329 |
| Cash dividends to net income (ytd only)* | 32.4828% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,424 |
| Loan loss allowance to noncurrent loans | 1,314.8148% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 4,234 |
| Noncurrent loans to loans | 0.0920% | 5,128 |
| Net loans and leases to total assets | 63.9850% | 3,284 |
| Net loans and leases to deposits | 72.4974% | 3,666 |
| Net loans and leases to core deposits | 75.1675% | 3,833 |
| Total domestic deposits to total assets | 88.2583% | 1,503 |
| Equity capital to assets | 11.5321% | 2,331 |
| Core capital (leverage) ratio | 11.4159% | 2,029 |
| Tier 1 risk-based capital ratio | 15.0037% | 3,176 |
| Total risk-based capital ratio | 16.0332% | 3,217 |
| Memoranda: | ||
| Average total assets | $90,457,000 | 4,661 |
| Average earning assets | $83,158,200 | 4,654 |
| Average equity | $10,157,000 | 4,633 |
| Average total loans | $57,834,400 | 4,431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,810 |
| Cost of funding earning assets | 0.4444% | 2,742 |
| Net interest margin | 3.9849% | 1,747 |
| Noninterest income to average assets | 0.5412% | 3,096 |
| Noninterest expense to average assets | 2.9893% | 2,557 |
| Loan and lease loss provision to assets | 0.0354% | 3,513 |
| Net operating income to assets | 1.1302% | 1,892 |
| Return on assets (ROA) | 1.1444% | 1,917 |
| Pretax return on assets | 1.1945% | 2,843 |
| Return on Equity (ROE) | 10.2615% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.7970% | 1,791 |
| Net charge-offs to loans | 0.0370% | 3,163 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 51.5068% | 1,017 |
| Efficiency ratio | 71.0979% | 3,027 |
| Assets per employee ($millions) | 3.7364% | 4,380 |
| Cash dividends to net income (ytd only)* | 33.7625% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 4,437 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.7843% | 3,761 |
| Net loans and leases to deposits | 68.5013% | 4,141 |
| Net loans and leases to core deposits | 71.1522% | 4,264 |
| Total domestic deposits to total assets | 88.7345% | 1,159 |
| Equity capital to assets | 11.0621% | 2,948 |
| Core capital (leverage) ratio | 11.5633% | 1,990 |
| Tier 1 risk-based capital ratio | 15.2205% | 3,182 |
| Total risk-based capital ratio | 16.2737% | 3,219 |
| Memoranda: | ||
| Average total assets | $90,408,500 | 4,714 |
| Average earning assets | $83,111,000 | 4,714 |
| Average equity | $10,082,750 | 4,706 |
| Average total loans | $57,614,750 | 4,481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,753 |
| Cost of funding earning assets | 0.4400% | 2,843 |
| Net interest margin | 3.9893% | 1,666 |
| Noninterest income to average assets | 0.5033% | 3,347 |
| Noninterest expense to average assets | 3.0288% | 2,468 |
| Loan and lease loss provision to assets | 0.0537% | 3,047 |
| Net operating income to assets | 1.0361% | 2,199 |
| Return on assets (ROA) | 1.0446% | 2,271 |
| Pretax return on assets | 1.1006% | 3,173 |
| Return on Equity (ROE) | 9.3406% | 2,368 |
| Retained earnings to average equity (ytd only) | 5.9004% | 2,303 |
| Net charge-offs to loans | 0.0069% | 3,657 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 269 |
| Efficiency ratio | 72.5616% | 2,919 |
| Assets per employee ($millions) | 3.5024% | 4,785 |
| Cash dividends to net income (ytd only)* | 36.8308% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 3,605 |
| Loan loss allowance to noncurrent loans | 190.9574% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 3,811 |
| Noncurrent loans to loans | 0.6457% | 3,544 |
| Net loans and leases to total assets | 65.6868% | 3,009 |
| Net loans and leases to deposits | 77.3075% | 3,118 |
| Net loans and leases to core deposits | 79.7593% | 3,418 |
| Total domestic deposits to total assets | 84.9682% | 3,139 |
| Equity capital to assets | 11.4263% | 2,477 |
| Core capital (leverage) ratio | 11.2378% | 2,215 |
| Tier 1 risk-based capital ratio | 14.4958% | 3,638 |
| Total risk-based capital ratio | 15.5414% | 3,690 |
| Memoranda: | ||
| Average total assets | $89,408,330 | 4,783 |
| Average earning assets | $82,270,000 | 4,771 |
| Average equity | $9,999,330 | 4,749 |
| Average total loans | $57,659,000 | 4,518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 1,929 |
| Cost of funding earning assets | 0.4195% | 3,082 |
| Net interest margin | 3.9345% | 1,771 |
| Noninterest income to average assets | 0.5269% | 3,108 |
| Noninterest expense to average assets | 3.0023% | 2,575 |
| Loan and lease loss provision to assets | 0.0531% | 2,882 |
| Net operating income to assets | 1.0326% | 2,107 |
| Return on assets (ROA) | 1.0495% | 2,182 |
| Pretax return on assets | 1.1026% | 3,063 |
| Return on Equity (ROE) | 9.4833% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.1232% | 1,154 |
| Net charge-offs to loans | 0.0139% | 2,896 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 407 |
| Efficiency ratio | 72.5134% | 3,088 |
| Assets per employee ($millions) | 3.6524% | 4,603 |
| Cash dividends to net income (ytd only)* | 3.7975% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 3,707 |
| Loan loss allowance to noncurrent loans | 240.4762% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 4,340 |
| Noncurrent loans to loans | 0.5185% | 4,021 |
| Net loans and leases to total assets | 58.9598% | 3,800 |
| Net loans and leases to deposits | 66.7326% | 4,078 |
| Net loans and leases to core deposits | 68.8142% | 4,256 |
| Total domestic deposits to total assets | 88.3523% | 1,631 |
| Equity capital to assets | 10.7505% | 3,262 |
| Core capital (leverage) ratio | 11.5272% | 1,981 |
| Tier 1 risk-based capital ratio | 14.5723% | 3,686 |
| Total risk-based capital ratio | 15.6143% | 3,716 |
| Memoranda: | ||
| Average total assets | $90,332,000 | 4,803 |
| Average earning assets | $82,958,000 | 4,801 |
| Average equity | $9,996,500 | 4,787 |
| Average total loans | $57,371,500 | 4,566 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 1,913 |
| Cost of funding earning assets | 0.4737% | 2,943 |
| Net interest margin | 4.0164% | 1,850 |
| Noninterest income to average assets | 0.4520% | 3,815 |
| Noninterest expense to average assets | 3.0439% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0447% | 2,191 |
| Return on assets (ROA) | 1.0805% | 2,105 |
| Pretax return on assets | 1.1372% | 2,942 |
| Return on Equity (ROE) | 10.6220% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.7182% | 1,121 |
| Net charge-offs to loans | 0.0660% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.7568% | 1,455 |
| Efficiency ratio | 73.4656% | 2,937 |
| Assets per employee ($millions) | 3.2962% | 5,264 |
| Cash dividends to net income (ytd only)* | 27.3381% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,006 |
| Loan loss allowance to noncurrent loans | 662.8571% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 5,035 |
| Noncurrent loans to loans | 0.1809% | 5,180 |
| Net loans and leases to total assets | 66.9187% | 2,743 |
| Net loans and leases to deposits | 77.3224% | 3,046 |
| Net loans and leases to core deposits | 78.9793% | 3,413 |
| Total domestic deposits to total assets | 86.5451% | 2,543 |
| Equity capital to assets | 11.4164% | 2,500 |
| Core capital (leverage) ratio | 11.0192% | 2,396 |
| Tier 1 risk-based capital ratio | 13.9103% | 4,159 |
| Total risk-based capital ratio | 14.9126% | 4,255 |
| Memoranda: | ||
| Average total assets | $90,048,400 | 4,838 |
| Average earning assets | $82,760,400 | 4,828 |
| Average equity | $9,160,200 | 4,933 |
| Average total loans | $56,066,000 | 4,610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,111 |
| Cost of funding earning assets | 0.4782% | 2,973 |
| Net interest margin | 3.9535% | 2,025 |
| Noninterest income to average assets | 0.4126% | 4,156 |
| Noninterest expense to average assets | 3.0123% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9776% | 2,551 |
| Return on assets (ROA) | 1.0124% | 2,455 |
| Pretax return on assets | 1.0651% | 3,320 |
| Return on Equity (ROE) | 10.2467% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.1964% | 1,719 |
| Net charge-offs to loans | 0.0864% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.5273% | 1,776 |
| Efficiency ratio | 74.5474% | 2,730 |
| Assets per employee ($millions) | 3.5404% | 4,785 |
| Cash dividends to net income (ytd only)* | 29.7689% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 4,218 |
| Loan loss allowance to noncurrent loans | 34,850.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,690 |
| Noncurrent loans to loans | 0.0034% | 6,036 |
| Net loans and leases to total assets | 62.3096% | 3,438 |
| Net loans and leases to deposits | 70.2049% | 3,899 |
| Net loans and leases to core deposits | 71.5626% | 4,198 |
| Total domestic deposits to total assets | 88.7539% | 1,374 |
| Equity capital to assets | 10.2814% | 3,810 |
| Core capital (leverage) ratio | 10.6712% | 2,845 |
| Tier 1 risk-based capital ratio | 13.3405% | 4,654 |
| Total risk-based capital ratio | 14.3257% | 4,744 |
| Memoranda: | ||
| Average total assets | $91,135,250 | 4,863 |
| Average earning assets | $83,636,250 | 4,849 |
| Average equity | $9,004,250 | 5,008 |
| Average total loans | $55,571,000 | 4,668 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 2,360 |
| Cost of funding earning assets | 0.4843% | 2,983 |
| Net interest margin | 3.8716% | 2,291 |
| Noninterest income to average assets | 0.4118% | 4,156 |
| Noninterest expense to average assets | 2.9462% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9869% | 2,377 |
| Return on assets (ROA) | 0.9953% | 2,406 |
| Pretax return on assets | 1.0481% | 3,290 |
| Return on Equity (ROE) | 10.2135% | 2,054 |
| Retained earnings to average equity (ytd only) | 7.2082% | 1,662 |
| Net charge-offs to loans | 0.1279% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.4857% | 1,973 |
| Efficiency ratio | 73.9227% | 2,983 |
| Assets per employee ($millions) | 3.3662% | 5,128 |
| Cash dividends to net income (ytd only)* | 29.4248% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,161 |
| Loan loss allowance to noncurrent loans | 983.0986% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 5,621 |
| Noncurrent loans to loans | 0.1272% | 5,634 |
| Net loans and leases to total assets | 63.0016% | 3,235 |
| Net loans and leases to deposits | 73.5923% | 3,376 |
| Net loans and leases to core deposits | 75.1376% | 3,722 |
| Total domestic deposits to total assets | 85.6090% | 3,235 |
| Equity capital to assets | 10.6581% | 3,243 |
| Core capital (leverage) ratio | 10.3605% | 3,127 |
| Tier 1 risk-based capital ratio | 13.7507% | 4,412 |
| Total risk-based capital ratio | 14.7860% | 4,500 |
| Memoranda: | ||
| Average total assets | $90,830,330 | 4,912 |
| Average earning assets | $83,840,330 | 4,873 |
| Average equity | $8,851,000 | 5,070 |
| Average total loans | $54,743,670 | 4,726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,741 |
| Cost of funding earning assets | 0.4842% | 3,072 |
| Net interest margin | 3.7514% | 2,669 |
| Noninterest income to average assets | 0.4152% | 4,066 |
| Noninterest expense to average assets | 2.8545% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9610% | 2,354 |
| Return on assets (ROA) | 0.9775% | 2,355 |
| Pretax return on assets | 1.0294% | 3,213 |
| Return on Equity (ROE) | 10.4964% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.4499% | 855 |
| Net charge-offs to loans | 0.0074% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 213 |
| Efficiency ratio | 73.8255% | 3,176 |
| Assets per employee ($millions) | 3.6936% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.4425% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 3,752 |
| Loan loss allowance to noncurrent loans | 24,400.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 5,981 |
| Noncurrent loans to loans | 0.0056% | 6,174 |
| Net loans and leases to total assets | 54.9676% | 4,286 |
| Net loans and leases to deposits | 62.1104% | 4,530 |
| Net loans and leases to core deposits | 63.2604% | 4,758 |
| Total domestic deposits to total assets | 88.4998% | 1,935 |
| Equity capital to assets | 9.2676% | 4,792 |
| Core capital (leverage) ratio | 10.5543% | 2,864 |
| Tier 1 risk-based capital ratio | 13.9311% | 4,369 |
| Total risk-based capital ratio | 15.0424% | 4,432 |
| Memoranda: | ||
| Average total assets | $92,485,500 | 4,905 |
| Average earning assets | $85,089,000 | 4,889 |
| Average equity | $8,612,500 | 5,146 |
| Average total loans | $54,197,000 | 4,787 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,855 |
| Cost of funding earning assets | 0.5820% | 2,818 |
| Net interest margin | 4.0248% | 1,880 |
| Noninterest income to average assets | 0.4769% | 3,912 |
| Noninterest expense to average assets | 2.9686% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1363% | 1,810 |
| Return on assets (ROA) | 1.1534% | 1,811 |
| Pretax return on assets | 1.2143% | 2,520 |
| Return on Equity (ROE) | 11.6669% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.5006% | 1,686 |
| Net charge-offs to loans | 0.0170% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 117.8889% | 400 |
| Efficiency ratio | 71.2777% | 3,618 |
| Assets per employee ($millions) | 3.4207% | 5,038 |
| Cash dividends to net income (ytd only)* | 44.2815% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 3,952 |
| Loan loss allowance to noncurrent loans | 10,471.4286% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 5,940 |
| Noncurrent loans to loans | 0.0128% | 6,241 |
| Net loans and leases to total assets | 60.8761% | 3,564 |
| Net loans and leases to deposits | 69.0217% | 3,905 |
| Net loans and leases to core deposits | 70.4524% | 4,249 |
| Total domestic deposits to total assets | 88.1985% | 2,058 |
| Equity capital to assets | 9.3605% | 4,602 |
| Core capital (leverage) ratio | 10.3115% | 3,136 |
| Tier 1 risk-based capital ratio | 13.5729% | 4,597 |
| Total risk-based capital ratio | 14.6843% | 4,637 |
| Memoranda: | ||
| Average total assets | $88,694,400 | 5,009 |
| Average earning assets | $81,271,600 | 5,003 |
| Average equity | $8,768,400 | 5,151 |
| Average total loans | $53,007,800 | 4,842 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,675 |
| Cost of funding earning assets | 0.5936% | 2,861 |
| Net interest margin | 4.0774% | 1,696 |
| Noninterest income to average assets | 0.4543% | 4,125 |
| Noninterest expense to average assets | 2.9138% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1979% | 1,645 |
| Return on assets (ROA) | 1.2079% | 1,683 |
| Pretax return on assets | 1.2711% | 2,444 |
| Return on Equity (ROE) | 12.0578% | 1,459 |
| Retained earnings to average equity (ytd only) | 8.1987% | 1,338 |
| Net charge-offs to loans | 0.0482% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 44.1101% | 944 |
| Efficiency ratio | 69.8018% | 3,787 |
| Assets per employee ($millions) | 4.0649% | 3,710 |
| Cash dividends to net income (ytd only)* | 32.0052% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,037 |
| Loan loss allowance to noncurrent loans | 18,075.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 5,505 |
| Noncurrent loans to loans | 0.0076% | 6,356 |
| Net loans and leases to total assets | 58.3079% | 3,961 |
| Net loans and leases to deposits | 64.5750% | 4,452 |
| Net loans and leases to core deposits | 70.3570% | 4,284 |
| Total domestic deposits to total assets | 90.2949% | 841 |
| Equity capital to assets | 9.5206% | 4,527 |
| Core capital (leverage) ratio | 10.3503% | 3,167 |
| Tier 1 risk-based capital ratio | 13.7483% | 4,601 |
| Total risk-based capital ratio | 14.8616% | 4,641 |
| Memoranda: | ||
| Average total assets | $88,633,500 | 5,059 |
| Average earning assets | $80,867,250 | 5,060 |
| Average equity | $8,879,250 | 5,171 |
| Average total loans | $52,541,000 | 4,902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 1,758 |
| Cost of funding earning assets | 0.5990% | 2,955 |
| Net interest margin | 4.0279% | 1,767 |
| Noninterest income to average assets | 0.5160% | 3,729 |
| Noninterest expense to average assets | 2.9513% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1996% | 1,598 |
| Return on assets (ROA) | 1.2448% | 1,564 |
| Pretax return on assets | 1.3104% | 2,262 |
| Return on Equity (ROE) | 12.2209% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.7101% | 1,222 |
| Net charge-offs to loans | 0.0954% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.3200% | 1,375 |
| Efficiency ratio | 70.0322% | 3,817 |
| Assets per employee ($millions) | 3.9429% | 3,927 |
| Cash dividends to net income (ytd only)* | 28.7273% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,301 |
| Loan loss allowance to noncurrent loans | 645.9459% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 5,082 |
| Noncurrent loans to loans | 0.2080% | 5,790 |
| Net loans and leases to total assets | 60.7074% | 3,536 |
| Net loans and leases to deposits | 70.7796% | 3,617 |
| Net loans and leases to core deposits | 78.8713% | 3,184 |
| Total domestic deposits to total assets | 85.7696% | 3,495 |
| Equity capital to assets | 9.7494% | 4,242 |
| Core capital (leverage) ratio | 9.8836% | 3,668 |
| Tier 1 risk-based capital ratio | 13.2994% | 4,919 |
| Total risk-based capital ratio | 14.3862% | 4,985 |
| Memoranda: | ||
| Average total assets | $88,369,000 | 5,095 |
| Average earning assets | $81,134,670 | 5,081 |
| Average equity | $9,001,000 | 5,169 |
| Average total loans | $52,432,670 | 4,933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,805 |
| Cost of funding earning assets | 0.6012% | 3,099 |
| Net interest margin | 4.0062% | 1,754 |
| Noninterest income to average assets | 0.5203% | 3,630 |
| Noninterest expense to average assets | 2.9019% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2020% | 1,518 |
| Return on assets (ROA) | 1.2020% | 1,627 |
| Pretax return on assets | 1.2648% | 2,356 |
| Return on Equity (ROE) | 11.5604% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.5604% | 767 |
| Net charge-offs to loans | 0.0924% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,104 |
| Efficiency ratio | 69.6448% | 4,029 |
| Assets per employee ($millions) | 3.9900% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,195 |
| Loan loss allowance to noncurrent loans | 321.5859% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 5,573 |
| Noncurrent loans to loans | 0.4375% | 5,326 |
| Net loans and leases to total assets | 55.7487% | 4,127 |
| Net loans and leases to deposits | 62.2172% | 4,513 |
| Net loans and leases to core deposits | 68.5772% | 4,235 |
| Total domestic deposits to total assets | 89.6032% | 1,296 |
| Equity capital to assets | 10.1886% | 3,917 |
| Core capital (leverage) ratio | 10.0760% | 3,300 |
| Tier 1 risk-based capital ratio | 13.4064% | 4,932 |
| Total risk-based capital ratio | 14.5379% | 4,973 |
| Memoranda: | ||
| Average total assets | $89,181,500 | 5,118 |
| Average earning assets | $81,174,000 | 5,113 |
| Average equity | $9,273,000 | 5,162 |
| Average total loans | $51,960,500 | 4,989 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 2,269 |
| Cost of funding earning assets | 0.7256% | 3,285 |
| Net interest margin | 4.0550% | 2,169 |
| Noninterest income to average assets | 0.4452% | 4,282 |
| Noninterest expense to average assets | 2.9041% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1848% | 1,651 |
| Return on assets (ROA) | 1.2889% | 1,486 |
| Pretax return on assets | 1.3565% | 2,188 |
| Return on Equity (ROE) | 13.8945% | 1,009 |
| Retained earnings to average equity (ytd only) | 7.3492% | 1,403 |
| Net charge-offs to loans | -0.1481% | 6,893 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9607% | 3,825 |
| Assets per employee ($millions) | 3.7650% | 4,435 |
| Cash dividends to net income (ytd only)* | 47.1067% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 4,032 |
| Loan loss allowance to noncurrent loans | 221.4925% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 4,419 |
| Noncurrent loans to loans | 0.6438% | 4,906 |
| Net loans and leases to total assets | 59.2293% | 3,745 |
| Net loans and leases to deposits | 68.4246% | 3,913 |
| Net loans and leases to core deposits | 75.5917% | 3,587 |
| Total domestic deposits to total assets | 86.5614% | 3,069 |
| Equity capital to assets | 10.6197% | 3,378 |
| Core capital (leverage) ratio | 9.7504% | 3,724 |
| Tier 1 risk-based capital ratio | 12.8434% | 5,221 |
| Total risk-based capital ratio | 13.9804% | 5,242 |
| Memoranda: | ||
| Average total assets | $85,809,200 | 5,197 |
| Average earning assets | $78,421,600 | 5,172 |
| Average equity | $7,960,000 | 5,515 |
| Average total loans | $47,927,800 | 5,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 2,607 |
| Cost of funding earning assets | 0.7359% | 3,470 |
| Net interest margin | 4.0079% | 2,473 |
| Noninterest income to average assets | 0.4205% | 4,481 |
| Noninterest expense to average assets | 2.8173% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2284% | 1,637 |
| Return on assets (ROA) | 1.3113% | 1,552 |
| Pretax return on assets | 1.3798% | 2,304 |
| Return on Equity (ROE) | 14.6731% | 962 |
| Retained earnings to average equity (ytd only) | 7.2320% | 1,995 |
| Net charge-offs to loans | -0.2871% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5487% | 3,951 |
| Assets per employee ($millions) | 3.7575% | 4,411 |
| Cash dividends to net income (ytd only)* | 50.7126% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,522 |
| Loan loss allowance to noncurrent loans | 220.5714% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 5,266 |
| Noncurrent loans to loans | 0.7245% | 4,982 |
| Net loans and leases to total assets | 55.0073% | 4,593 |
| Net loans and leases to deposits | 61.0319% | 5,080 |
| Net loans and leases to core deposits | 67.1445% | 4,822 |
| Total domestic deposits to total assets | 90.1288% | 775 |
| Equity capital to assets | 9.5981% | 5,062 |
| Core capital (leverage) ratio | 8.7241% | 5,438 |
| Tier 1 risk-based capital ratio | 11.8701% | 6,015 |
| Total risk-based capital ratio | 13.1138% | 6,000 |
| Memoranda: | ||
| Average total assets | $85,613,000 | 5,255 |
| Average earning assets | $78,808,500 | 5,214 |
| Average equity | $7,651,000 | 5,659 |
| Average total loans | $46,902,000 | 5,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7390% | 2,763 |
| Cost of funding earning assets | 0.7657% | 3,477 |
| Net interest margin | 3.9734% | 2,619 |
| Noninterest income to average assets | 0.5788% | 3,383 |
| Noninterest expense to average assets | 2.7911% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3747% | 1,246 |
| Return on assets (ROA) | 1.4459% | 1,227 |
| Pretax return on assets | 1.5233% | 1,793 |
| Return on Equity (ROE) | 16.5942% | 690 |
| Retained earnings to average equity (ytd only) | 8.8753% | 1,315 |
| Net charge-offs to loans | -0.4221% | 7,112 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8375% | 4,562 |
| Assets per employee ($millions) | 3.3388% | 5,360 |
| Cash dividends to net income (ytd only)* | 46.5154% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,336 |
| Loan loss allowance to noncurrent loans | 266.0900% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,066 |
| Noncurrent loans to loans | 0.6300% | 5,246 |
| Net loans and leases to total assets | 54.0355% | 4,796 |
| Net loans and leases to deposits | 61.9620% | 4,997 |
| Net loans and leases to core deposits | 67.3496% | 4,861 |
| Total domestic deposits to total assets | 87.2075% | 2,649 |
| Equity capital to assets | 9.6309% | 4,863 |
| Core capital (leverage) ratio | 8.2337% | 6,008 |
| Tier 1 risk-based capital ratio | 12.3303% | 5,703 |
| Total risk-based capital ratio | 13.5816% | 5,671 |
| Memoranda: | ||
| Average total assets | $85,343,000 | 5,294 |
| Average earning assets | $78,623,670 | 5,253 |
| Average equity | $7,436,330 | 5,728 |
| Average total loans | $46,432,330 | 5,328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 3,376 |
| Cost of funding earning assets | 0.7828% | 3,604 |
| Net interest margin | 3.8434% | 3,168 |
| Noninterest income to average assets | 0.6583% | 2,879 |
| Noninterest expense to average assets | 2.7770% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3398% | 1,348 |
| Return on assets (ROA) | 1.3398% | 1,510 |
| Pretax return on assets | 1.4094% | 2,171 |
| Return on Equity (ROE) | 16.2018% | 774 |
| Retained earnings to average equity (ytd only) | 9.3062% | 1,470 |
| Net charge-offs to loans | -0.0086% | 5,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3344% | 4,496 |
| Assets per employee ($millions) | 3.9785% | 4,062 |
| Cash dividends to net income (ytd only)* | 42.5606% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 4,294 |
| Loan loss allowance to noncurrent loans | 283.5443% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,240 |
| Noncurrent loans to loans | 0.5184% | 5,632 |
| Net loans and leases to total assets | 47.1770% | 5,656 |
| Net loans and leases to deposits | 51.4646% | 6,032 |
| Net loans and leases to core deposits | 55.1189% | 5,977 |
| Total domestic deposits to total assets | 91.6688% | 334 |
| Equity capital to assets | 8.0557% | 6,484 |
| Core capital (leverage) ratio | 8.5924% | 5,451 |
| Tier 1 risk-based capital ratio | 11.8436% | 6,054 |
| Total risk-based capital ratio | 12.9617% | 6,134 |
| Memoranda: | ||
| Average total assets | $86,279,000 | 5,306 |
| Average earning assets | $79,201,000 | 5,265 |
| Average equity | $7,135,000 | 5,828 |
| Average total loans | $46,712,000 | 5,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 2,075 |
| Cost of funding earning assets | 1.0591% | 2,959 |
| Net interest margin | 4.1370% | 2,279 |
| Noninterest income to average assets | 0.4966% | 3,870 |
| Noninterest expense to average assets | 3.0553% | 3,372 |
| Loan and lease loss provision to assets | 0.1690% | 4,525 |
| Net operating income to assets | 0.9820% | 2,268 |
| Return on assets (ROA) | 1.0206% | 2,273 |
| Pretax return on assets | 1.0743% | 2,937 |
| Return on Equity (ROE) | 12.4132% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.8718% | 1,127 |
| Net charge-offs to loans | -0.2437% | 7,227 |
| Credit loss provision to net charge-offs | -118.3486% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7538% | 3,622 |
| Assets per employee ($millions) | 3.6701% | 4,613 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,423 |
| Loan loss allowance to noncurrent loans | 268.4000% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 5,138 |
| Noncurrent loans to loans | 0.5241% | 5,663 |
| Net loans and leases to total assets | 61.0253% | 3,779 |
| Net loans and leases to deposits | 67.5029% | 4,509 |
| Net loans and leases to core deposits | 73.9273% | 4,251 |
| Total domestic deposits to total assets | 90.4039% | 761 |
| Equity capital to assets | 8.5348% | 6,099 |
| Core capital (leverage) ratio | 7.5693% | 6,612 |
| Tier 1 risk-based capital ratio | 10.4014% | 6,732 |
| Total risk-based capital ratio | 11.5740% | 6,734 |
| Memoranda: | ||
| Average total assets | $76,326,200 | 5,553 |
| Average earning assets | $69,397,400 | 5,559 |
| Average equity | $6,275,600 | 6,084 |
| Average total loans | $44,726,600 | 5,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1279% | 2,480 |
| Cost of funding earning assets | 1.0714% | 3,170 |
| Net interest margin | 4.0565% | 2,665 |
| Noninterest income to average assets | 0.4816% | 4,027 |
| Noninterest expense to average assets | 3.0960% | 3,177 |
| Loan and lease loss provision to assets | 0.1979% | 4,046 |
| Net operating income to assets | 0.8297% | 3,024 |
| Return on assets (ROA) | 0.8563% | 3,070 |
| Pretax return on assets | 0.9018% | 3,757 |
| Return on Equity (ROE) | 10.5158% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.2148% | 1,423 |
| Net charge-offs to loans | 0.4426% | 2,953 |
| Credit loss provision to net charge-offs | 77.3973% | 4,232 |
| Earnings coverage of net charge-offs (x) | 4.1918% | 3,149 |
| Efficiency ratio | 74.2857% | 3,127 |
| Assets per employee ($millions) | 3.6222% | 4,702 |
| Cash dividends to net income (ytd only)* | 21.8810% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,718 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 5,053 |
| Noncurrent loans to loans | 0.6474% | 5,591 |
| Net loans and leases to total assets | 58.4271% | 4,431 |
| Net loans and leases to deposits | 63.9815% | 5,174 |
| Net loans and leases to core deposits | 68.2688% | 5,152 |
| Total domestic deposits to total assets | 91.3188% | 341 |
| Equity capital to assets | 8.3186% | 6,465 |
| Core capital (leverage) ratio | 7.7108% | 6,632 |
| Tier 1 risk-based capital ratio | 10.3819% | 6,827 |
| Total risk-based capital ratio | 11.0929% | 6,982 |
| Memoranda: | ||
| Average total assets | $76,139,500 | 5,608 |
| Average earning assets | $69,188,250 | 5,609 |
| Average equity | $6,200,000 | 6,152 |
| Average total loans | $43,982,000 | 5,560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 2,653 |
| Cost of funding earning assets | 1.0844% | 3,357 |
| Net interest margin | 4.0218% | 2,732 |
| Noninterest income to average assets | 0.4803% | 4,027 |
| Noninterest expense to average assets | 3.2526% | 2,721 |
| Loan and lease loss provision to assets | 0.1521% | 4,411 |
| Net operating income to assets | 0.7092% | 3,495 |
| Return on assets (ROA) | 0.7498% | 3,413 |
| Pretax return on assets | 0.7898% | 4,070 |
| Return on Equity (ROE) | 9.2785% | 2,390 |
| Retained earnings to average equity (ytd only) | 8.0898% | 1,433 |
| Net charge-offs to loans | 0.4838% | 2,651 |
| Credit loss provision to net charge-offs | 54.8077% | 4,463 |
| Earnings coverage of net charge-offs (x) | 3.2404% | 3,251 |
| Efficiency ratio | 78.3419% | 2,656 |
| Assets per employee ($millions) | 2.9770% | 6,133 |
| Cash dividends to net income (ytd only)* | 12.8114% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 6,713 |
| Loan loss allowance to noncurrent loans | 106.0440% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 4,884 |
| Noncurrent loans to loans | 0.8294% | 5,269 |
| Net loans and leases to total assets | 58.4521% | 4,552 |
| Net loans and leases to deposits | 64.6270% | 5,193 |
| Net loans and leases to core deposits | 71.3211% | 4,910 |
| Total domestic deposits to total assets | 90.4454% | 738 |
| Equity capital to assets | 8.5737% | 6,094 |
| Core capital (leverage) ratio | 7.5569% | 6,706 |
| Tier 1 risk-based capital ratio | 10.8747% | 6,618 |
| Total risk-based capital ratio | 11.6106% | 6,836 |
| Memoranda: | ||
| Average total assets | $74,956,330 | 5,695 |
| Average earning assets | $68,427,670 | 5,683 |
| Average equity | $6,057,000 | 6,221 |
| Average total loans | $42,989,330 | 5,662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 2,881 |
| Cost of funding earning assets | 1.0947% | 3,559 |
| Net interest margin | 3.9514% | 2,908 |
| Noninterest income to average assets | 0.4467% | 4,318 |
| Noninterest expense to average assets | 3.1799% | 2,965 |
| Loan and lease loss provision to assets | 0.1755% | 3,868 |
| Net operating income to assets | 0.6487% | 3,755 |
| Return on assets (ROA) | 0.6487% | 3,833 |
| Pretax return on assets | 0.6807% | 4,381 |
| Return on Equity (ROE) | 8.2782% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.1425% | 1,680 |
| Net charge-offs to loans | 1.0249% | 1,329 |
| Credit loss provision to net charge-offs | 30.2752% | 4,113 |
| Earnings coverage of net charge-offs (x) | 1.4771% | 3,602 |
| Efficiency ratio | 78.7879% | 2,720 |
| Assets per employee ($millions) | 2.8929% | 6,370 |
| Cash dividends to net income (ytd only)* | 1.6393% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 6,813 |
| Loan loss allowance to noncurrent loans | 94.9468% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,980 |
| Noncurrent loans to loans | 0.9016% | 5,244 |
| Net loans and leases to total assets | 52.9337% | 5,463 |
| Net loans and leases to deposits | 57.4777% | 5,978 |
| Net loans and leases to core deposits | 61.1401% | 6,003 |
| Total domestic deposits to total assets | 92.0944% | 259 |
| Equity capital to assets | 7.5920% | 6,818 |
| Core capital (leverage) ratio | 7.6471% | 6,609 |
| Tier 1 risk-based capital ratio | 10.9154% | 6,560 |
| Total risk-based capital ratio | 11.6140% | 6,863 |
| Memoranda: | ||
| Average total assets | $75,222,000 | 5,722 |
| Average earning assets | $68,329,500 | 5,724 |
| Average equity | $5,895,000 | 6,282 |
| Average total loans | $42,539,500 | 5,727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 2,448 |
| Cost of funding earning assets | 1.3972% | 3,289 |
| Net interest margin | 4.0599% | 2,752 |
| Noninterest income to average assets | 0.4400% | 4,592 |
| Noninterest expense to average assets | 3.3234% | 2,662 |
| Loan and lease loss provision to assets | 0.1361% | 5,808 |
| Net operating income to assets | 0.6162% | 3,601 |
| Return on assets (ROA) | 0.6162% | 3,768 |
| Pretax return on assets | 0.6492% | 4,169 |
| Return on Equity (ROE) | 7.2320% | 3,011 |
| Retained earnings to average equity (ytd only) | 2.3041% | 4,266 |
| Net charge-offs to loans | 0.0096% | 6,736 |
| Credit loss provision to net charge-offs | 2,375.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 182 |
| Efficiency ratio | 80.8859% | 2,294 |
| Assets per employee ($millions) | 2.6791% | 6,724 |
| Cash dividends to net income (ytd only)* | 68.1395% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,401 |
| Loan loss allowance to noncurrent loans | 59.8893% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 5,003 |
| Noncurrent loans to loans | 1.6668% | 3,999 |
| Net loans and leases to total assets | 59.3668% | 4,777 |
| Net loans and leases to deposits | 64.8970% | 5,527 |
| Net loans and leases to core deposits | 69.5197% | 5,486 |
| Total domestic deposits to total assets | 91.4785% | 405 |
| Equity capital to assets | 8.1012% | 6,383 |
| Core capital (leverage) ratio | 7.8842% | 6,341 |
| Tier 1 risk-based capital ratio | 10.9377% | 6,377 |
| Total risk-based capital ratio | 11.8054% | 6,639 |
| Memoranda: | ||
| Average total assets | $69,777,800 | 5,897 |
| Average earning assets | $63,056,000 | 5,892 |
| Average equity | $5,945,800 | 6,382 |
| Average total loans | $41,499,000 | 5,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4573% | 2,616 |
| Cost of funding earning assets | 1.4387% | 3,342 |
| Net interest margin | 4.0185% | 3,016 |
| Noninterest income to average assets | 0.4088% | 4,890 |
| Noninterest expense to average assets | 3.3189% | 2,517 |
| Loan and lease loss provision to assets | 0.1427% | 5,607 |
| Net operating income to assets | 0.5380% | 4,144 |
| Return on assets (ROA) | 0.5380% | 4,313 |
| Pretax return on assets | 0.5670% | 4,704 |
| Return on Equity (ROE) | 6.2339% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.6921% | 3,204 |
| Net charge-offs to loans | 0.0260% | 6,306 |
| Credit loss provision to net charge-offs | 925.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 45.9841% | 604 |
| Efficiency ratio | 82.3839% | 2,022 |
| Assets per employee ($millions) | 2.9685% | 6,228 |
| Cash dividends to net income (ytd only)* | 24.7318% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 6,587 |
| Loan loss allowance to noncurrent loans | 50.4950% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 4,748 |
| Noncurrent loans to loans | 1.8742% | 3,834 |
| Net loans and leases to total assets | 59.9396% | 4,925 |
| Net loans and leases to deposits | 66.1206% | 5,657 |
| Net loans and leases to core deposits | 66.5327% | 6,082 |
| Total domestic deposits to total assets | 90.6520% | 572 |
| Equity capital to assets | 8.8862% | 5,725 |
| Core capital (leverage) ratio | 8.2571% | 5,953 |
| Tier 1 risk-based capital ratio | 11.2032% | 6,184 |
| Total risk-based capital ratio | 12.0296% | 6,545 |
| Memoranda: | ||
| Average total assets | $69,138,500 | 5,967 |
| Average earning assets | $62,276,250 | 5,983 |
| Average equity | $5,967,250 | 6,458 |
| Average total loans | $41,029,750 | 5,962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 2,727 |
| Cost of funding earning assets | 1.4512% | 3,550 |
| Net interest margin | 4.0045% | 2,993 |
| Noninterest income to average assets | 0.3974% | 4,937 |
| Noninterest expense to average assets | 3.3842% | 2,304 |
| Loan and lease loss provision to assets | 0.1490% | 5,409 |
| Net operating income to assets | 0.4617% | 4,499 |
| Return on assets (ROA) | 0.4617% | 4,659 |
| Pretax return on assets | 0.4851% | 4,947 |
| Return on Equity (ROE) | 5.4054% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.6185% | 3,131 |
| Net charge-offs to loans | 0.0545% | 5,618 |
| Credit loss provision to net charge-offs | 463.6364% | 792 |
| Earnings coverage of net charge-offs (x) | 19.7273% | 1,246 |
| Efficiency ratio | 84.2182% | 1,897 |
| Assets per employee ($millions) | 2.5630% | 7,015 |
| Cash dividends to net income (ytd only)* | 14.5570% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,695 |
| Loan loss allowance to noncurrent loans | 40.2105% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 4,168 |
| Noncurrent loans to loans | 2.2837% | 3,391 |
| Net loans and leases to total assets | 61.8545% | 4,714 |
| Net loans and leases to deposits | 70.4112% | 5,219 |
| Net loans and leases to core deposits | 70.8956% | 5,783 |
| Total domestic deposits to total assets | 87.8476% | 2,077 |
| Equity capital to assets | 9.0595% | 5,350 |
| Core capital (leverage) ratio | 7.9444% | 6,334 |
| Tier 1 risk-based capital ratio | 11.5317% | 5,737 |
| Total risk-based capital ratio | 12.3391% | 6,130 |
| Memoranda: | ||
| Average total assets | $68,436,330 | 6,016 |
| Average earning assets | $61,880,330 | 6,028 |
| Average equity | $5,846,000 | 6,517 |
| Average total loans | $40,335,670 | 6,036 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 3,406 |
| Cost of funding earning assets | 1.4285% | 4,000 |
| Net interest margin | 3.8994% | 3,327 |
| Noninterest income to average assets | 0.3519% | 5,324 |
| Noninterest expense to average assets | 3.3056% | 2,515 |
| Loan and lease loss provision to assets | 0.1500% | 5,046 |
| Net operating income to assets | 0.3750% | 4,950 |
| Return on assets (ROA) | 0.3750% | 5,077 |
| Pretax return on assets | 0.3923% | 5,319 |
| Return on Equity (ROE) | 4.5213% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.5213% | 3,444 |
| Net charge-offs to loans | 0.0806% | 4,613 |
| Credit loss provision to net charge-offs | 325.0000% | 1,217 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,621 |
| Efficiency ratio | 85.9070% | 1,803 |
| Assets per employee ($millions) | 2.7959% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,830 |
| Loan loss allowance to noncurrent loans | 109.4225% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 6,133 |
| Noncurrent loans to loans | 0.8249% | 5,663 |
| Net loans and leases to total assets | 54.3739% | 5,979 |
| Net loans and leases to deposits | 59.3350% | 6,530 |
| Net loans and leases to core deposits | 59.6934% | 6,772 |
| Total domestic deposits to total assets | 91.6388% | 336 |
| Equity capital to assets | 7.9691% | 6,690 |
| Core capital (leverage) ratio | 8.1510% | 5,992 |
| Tier 1 risk-based capital ratio | 11.4483% | 5,718 |
| Total risk-based capital ratio | 12.2137% | 6,167 |
| Memoranda: | ||
| Average total assets | $69,336,000 | 6,065 |
| Average earning assets | $62,163,000 | 6,076 |
| Average equity | $5,750,500 | 6,595 |
| Average total loans | $39,703,500 | 6,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 1,614 |
| Cost of funding earning assets | 1.7898% | 4,041 |
| Net interest margin | 4.2767% | 1,794 |
| Noninterest income to average assets | 0.4149% | 5,084 |
| Noninterest expense to average assets | 3.3886% | 2,721 |
| Loan and lease loss provision to assets | 0.8855% | 2,531 |
| Net operating income to assets | 0.0210% | 5,427 |
| Return on assets (ROA) | 0.0210% | 5,469 |
| Pretax return on assets | 0.0241% | 5,379 |
| Return on Equity (ROE) | 0.2401% | 5,457 |
| Retained earnings to average equity (ytd only) | -1.0288% | 5,268 |
| Net charge-offs to loans | 1.2371% | 1,995 |
| Credit loss provision to net charge-offs | 115.7171% | 4,702 |
| Earnings coverage of net charge-offs (x) | 1.1886% | 4,932 |
| Efficiency ratio | 78.8388% | 3,068 |
| Assets per employee ($millions) | 2.5377% | 7,139 |
| Cash dividends to net income (ytd only)* | 528.5714% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 6,943 |
| Loan loss allowance to noncurrent loans | 102.7027% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,903 |
| Noncurrent loans to loans | 0.8426% | 5,607 |
| Net loans and leases to total assets | 59.3810% | 5,438 |
| Net loans and leases to deposits | 65.3921% | 6,123 |
| Net loans and leases to core deposits | 72.8099% | 6,604 |
| Total domestic deposits to total assets | 90.8077% | 615 |
| Equity capital to assets | 8.6512% | 5,659 |
| Core capital (leverage) ratio | 7.7740% | 6,479 |
| Tier 1 risk-based capital ratio | 11.5649% | 5,332 |
| Total risk-based capital ratio | 12.3082% | 5,828 |
| Memoranda: | ||
| Average total assets | $66,516,600 | 6,128 |
| Average earning assets | $60,397,400 | 6,110 |
| Average equity | $5,832,000 | 6,656 |
| Average total loans | $41,145,000 | 6,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7835% | 2,963 |
| Cost of funding earning assets | 1.8216% | 4,279 |
| Net interest margin | 3.9619% | 2,989 |
| Noninterest income to average assets | 0.4021% | 5,267 |
| Noninterest expense to average assets | 3.3087% | 2,883 |
| Loan and lease loss provision to assets | 0.2801% | 4,735 |
| Net operating income to assets | 0.3881% | 4,447 |
| Return on assets (ROA) | 0.3881% | 4,544 |
| Pretax return on assets | 0.4201% | 4,739 |
| Return on Equity (ROE) | 4.4117% | 4,203 |
| Retained earnings to average equity (ytd only) | 2.7290% | 3,806 |
| Net charge-offs to loans | 0.1219% | 5,479 |
| Credit loss provision to net charge-offs | 368.4211% | 1,097 |
| Earnings coverage of net charge-offs (x) | 9.2098% | 2,134 |
| Efficiency ratio | 82.5349% | 2,511 |
| Assets per employee ($millions) | 2.6632% | 6,925 |
| Cash dividends to net income (ytd only)* | 38.1427% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 6,760 |
| Loan loss allowance to noncurrent loans | 44.7174% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 4,498 |
| Noncurrent loans to loans | 2.0085% | 3,630 |
| Net loans and leases to total assets | 58.0036% | 5,893 |
| Net loans and leases to deposits | 64.0789% | 6,483 |
| Net loans and leases to core deposits | 72.1686% | 6,840 |
| Total domestic deposits to total assets | 90.5190% | 585 |
| Equity capital to assets | 8.8874% | 5,653 |
| Core capital (leverage) ratio | 8.2427% | 5,937 |
| Tier 1 risk-based capital ratio | 11.6359% | 5,299 |
| Total risk-based capital ratio | 12.4059% | 5,745 |
| Memoranda: | ||
| Average total assets | $66,651,000 | 6,170 |
| Average earning assets | $60,676,500 | 6,152 |
| Average equity | $5,863,000 | 6,717 |
| Average total loans | $41,551,000 | 6,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9217% | 2,489 |
| Cost of funding earning assets | 1.8869% | 4,334 |
| Net interest margin | 4.0348% | 2,558 |
| Noninterest income to average assets | 0.3891% | 5,386 |
| Noninterest expense to average assets | 3.2165% | 3,286 |
| Loan and lease loss provision to assets | 0.1611% | 5,456 |
| Net operating income to assets | 0.6445% | 3,488 |
| Return on assets (ROA) | 0.6445% | 3,594 |
| Pretax return on assets | 0.6779% | 4,078 |
| Return on Equity (ROE) | 7.3535% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.7867% | 2,648 |
| Net charge-offs to loans | 0.1623% | 4,580 |
| Credit loss provision to net charge-offs | 155.8824% | 2,952 |
| Earnings coverage of net charge-offs (x) | 8.1176% | 2,313 |
| Efficiency ratio | 79.3103% | 3,146 |
| Assets per employee ($millions) | 2.4898% | 7,277 |
| Cash dividends to net income (ytd only)* | 34.9057% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6593% | 7,522 |
| Loan loss allowance to noncurrent loans | 42.7702% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 4,652 |
| Noncurrent loans to loans | 1.5416% | 4,187 |
| Net loans and leases to total assets | 65.4010% | 4,682 |
| Net loans and leases to deposits | 72.4544% | 5,676 |
| Net loans and leases to core deposits | 81.8094% | 6,257 |
| Total domestic deposits to total assets | 90.2651% | 726 |
| Equity capital to assets | 9.1031% | 5,158 |
| Core capital (leverage) ratio | 8.1351% | 6,102 |
| Tier 1 risk-based capital ratio | 11.6849% | 5,211 |
| Total risk-based capital ratio | 12.2798% | 5,769 |
| Memoranda: | ||
| Average total assets | $65,786,670 | 6,236 |
| Average earning assets | $59,779,670 | 6,233 |
| Average equity | $5,766,000 | 6,806 |
| Average total loans | $41,892,000 | 6,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8454% | 3,055 |
| Cost of funding earning assets | 1.9106% | 4,576 |
| Net interest margin | 3.9348% | 2,910 |
| Noninterest income to average assets | 0.3619% | 5,545 |
| Noninterest expense to average assets | 3.1548% | 3,175 |
| Loan and lease loss provision to assets | 0.1568% | 4,926 |
| Net operating income to assets | 0.5730% | 4,130 |
| Return on assets (ROA) | 0.5730% | 4,325 |
| Pretax return on assets | 0.6032% | 4,741 |
| Return on Equity (ROE) | 6.6637% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.6637% | 2,341 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5855% | 2,729 |
| Assets per employee ($millions) | 2.7783% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 7,480 |
| Loan loss allowance to noncurrent loans | 78.4741% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 5,300 |
| Noncurrent loans to loans | 0.8750% | 5,267 |
| Net loans and leases to total assets | 59.9701% | 5,659 |
| Net loans and leases to deposits | 65.6692% | 6,404 |
| Net loans and leases to core deposits | 73.4146% | 6,842 |
| Total domestic deposits to total assets | 91.3214% | 317 |
| Equity capital to assets | 8.2496% | 6,463 |
| Core capital (leverage) ratio | 8.6574% | 5,241 |
| Tier 1 risk-based capital ratio | 11.8842% | 5,053 |
| Total risk-based capital ratio | 12.5092% | 5,545 |
| Memoranda: | ||
| Average total assets | $66,312,000 | 6,240 |
| Average earning assets | $59,876,000 | 6,262 |
| Average equity | $5,702,500 | 6,878 |
| Average total loans | $41,528,500 | 6,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2127% | 4,448 |
| Cost of funding earning assets | 2.3187% | 5,067 |
| Net interest margin | 3.8941% | 3,589 |
| Noninterest income to average assets | 0.4072% | 5,412 |
| Noninterest expense to average assets | 3.1738% | 3,436 |
| Loan and lease loss provision to assets | 0.2758% | 4,183 |
| Net operating income to assets | 0.4564% | 4,919 |
| Return on assets (ROA) | 0.4564% | 4,751 |
| Pretax return on assets | 0.4844% | 5,016 |
| Return on Equity (ROE) | 5.0962% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.7113% | 2,196 |
| Net charge-offs to loans | 0.3407% | 3,129 |
| Credit loss provision to net charge-offs | 131.2500% | 4,057 |
| Earnings coverage of net charge-offs (x) | 3.6172% | 4,289 |
| Efficiency ratio | 80.6761% | 2,505 |
| Assets per employee ($millions) | 2.7463% | 6,686 |
| Cash dividends to net income (ytd only)* | 7.5540% | 4,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 7,589 |
| Loan loss allowance to noncurrent loans | 60.0917% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 4,737 |
| Noncurrent loans to loans | 1.0604% | 4,455 |
| Net loans and leases to total assets | 64.6756% | 5,134 |
| Net loans and leases to deposits | 71.5151% | 6,116 |
| Net loans and leases to core deposits | 78.9354% | 6,692 |
| Total domestic deposits to total assets | 90.4363% | 516 |
| Equity capital to assets | 8.9843% | 5,385 |
| Core capital (leverage) ratio | 8.3744% | 5,810 |
| Tier 1 risk-based capital ratio | 12.1131% | 4,730 |
| Total risk-based capital ratio | 12.7029% | 5,185 |
| Memoranda: | ||
| Average total assets | $60,905,200 | 6,354 |
| Average earning assets | $55,161,000 | 6,365 |
| Average equity | $5,455,000 | 6,995 |
| Average total loans | $37,568,200 | 6,285 |