Home > Lake Central Bank > Performance and Condition Ratios
Lake Central 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 | 5.2106% | 2,699 |
| Cost of funding earning assets | 1.1317% | 3,838 |
| Net interest margin | 4.0790% | 1,143 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 2.6135% | 1,991 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.5762% | 946 |
| Return on assets (ROA) | 1.5713% | 948 |
| Pretax return on assets | 1.8870% | 828 |
| Return on Equity (ROE) | 16.9800% | 755 |
| Retained earnings to average equity (ytd only) | 9.8707% | 1,208 |
| Net charge-offs to loans | 0.0049% | 2,081 |
| Credit loss provision to net charge-offs | 1,500.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 662.5000% | 147 |
| Efficiency ratio | 57.4366% | 3,249 |
| Assets per employee ($millions) | 7.5101% | 1,879 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,521 |
| Loan loss allowance to noncurrent loans | 1,731.7460% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 3,352 |
| Noncurrent loans to loans | 0.0776% | 3,283 |
| Net loans and leases to total assets | 59.2600% | 2,942 |
| Net loans and leases to deposits | 66.1906% | 3,119 |
| Net loans and leases to core deposits | 67.3619% | 3,419 |
| Total domestic deposits to total assets | 89.5300% | 975 |
| Equity capital to assets | 9.5557% | 2,526 |
| Core capital (leverage) ratio | 10.6373% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1618% | 1,469 |
| Memoranda: | ||
| Average total assets | $273,659,000 | 2,609 |
| Average earning assets | $257,320,500 | 2,590 |
| Average equity | $25,327,500 | 2,668 |
| Average total loans | $162,919,000 | 2,657 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 3,229 |
| Cost of funding earning assets | 1.2978% | 3,674 |
| Net interest margin | 3.6206% | 1,841 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 2.3474% | 2,722 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 1.5497% | 838 |
| Return on assets (ROA) | 1.5288% | 861 |
| Pretax return on assets | 1.6109% | 1,103 |
| Return on Equity (ROE) | 17.6300% | 601 |
| Retained earnings to average equity (ytd only) | 11.9353% | 308 |
| Net charge-offs to loans | 0.0522% | 1,616 |
| Credit loss provision to net charge-offs | 712.5000% | 491 |
| Earnings coverage of net charge-offs (x) | 63.7000% | 1,066 |
| Efficiency ratio | 56.0148% | 3,554 |
| Assets per employee ($millions) | 7.2883% | 1,970 |
| Cash dividends to net income (ytd only)* | 32.2848% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 1,593 |
| Loan loss allowance to noncurrent loans | 720.4013% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,946 |
| Noncurrent loans to loans | 0.1829% | 2,773 |
| Net loans and leases to total assets | 58.2300% | 3,086 |
| Net loans and leases to deposits | 65.7506% | 3,224 |
| Net loans and leases to core deposits | 66.9580% | 3,478 |
| Total domestic deposits to total assets | 88.5700% | 1,308 |
| Equity capital to assets | 8.9617% | 2,838 |
| Core capital (leverage) ratio | 10.2742% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $276,562,000 | 2,568 |
| Average earning assets | $260,589,200 | 2,545 |
| Average equity | $23,987,600 | 2,695 |
| Average total loans | $153,213,800 | 2,694 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 3,382 |
| Cost of funding earning assets | 1.3157% | 3,650 |
| Net interest margin | 3.4860% | 2,055 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 2.3192% | 2,738 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.5144% | 921 |
| Return on assets (ROA) | 1.4841% | 957 |
| Pretax return on assets | 1.5658% | 1,210 |
| Return on Equity (ROE) | 17.7600% | 614 |
| Retained earnings to average equity (ytd only) | 13.4693% | 346 |
| Net charge-offs to loans | 0.0265% | 1,794 |
| Credit loss provision to net charge-offs | 600.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 116.1333% | 726 |
| Efficiency ratio | 57.9106% | 3,367 |
| Assets per employee ($millions) | 7.4852% | 1,816 |
| Cash dividends to net income (ytd only)* | 24.1773% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,558 |
| Loan loss allowance to noncurrent loans | 828.3105% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,157 |
| Noncurrent loans to loans | 0.1373% | 2,991 |
| Net loans and leases to total assets | 56.9600% | 3,179 |
| Net loans and leases to deposits | 64.9028% | 3,305 |
| Net loans and leases to core deposits | 65.8409% | 3,575 |
| Total domestic deposits to total assets | 87.7600% | 1,317 |
| Equity capital to assets | 9.1153% | 2,948 |
| Core capital (leverage) ratio | 10.1426% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7685% | 1,609 |
| Memoranda: | ||
| Average total assets | $275,718,500 | 2,564 |
| Average earning assets | $260,732,750 | 2,537 |
| Average equity | $23,034,500 | 2,752 |
| Average total loans | $150,659,000 | 2,719 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 3,440 |
| Cost of funding earning assets | 1.2581% | 3,696 |
| Net interest margin | 3.4588% | 2,052 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.3232% | 2,727 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.4374% | 1,019 |
| Return on assets (ROA) | 1.3904% | 1,106 |
| Pretax return on assets | 1.4704% | 1,340 |
| Return on Equity (ROE) | 17.1700% | 700 |
| Retained earnings to average equity (ytd only) | 11.6156% | 591 |
| Net charge-offs to loans | 0.0406% | 1,398 |
| Credit loss provision to net charge-offs | 353.3333% | 762 |
| Earnings coverage of net charge-offs (x) | 73.2667% | 930 |
| Efficiency ratio | 59.2476% | 3,277 |
| Assets per employee ($millions) | 7.3157% | 1,862 |
| Cash dividends to net income (ytd only)* | 32.3406% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 2,595 |
| Loan loss allowance to noncurrent loans | 1,526.3158% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,392 |
| Noncurrent loans to loans | 0.0742% | 3,293 |
| Net loans and leases to total assets | 56.1000% | 3,256 |
| Net loans and leases to deposits | 63.7025% | 3,378 |
| Net loans and leases to core deposits | 64.7040% | 3,597 |
| Total domestic deposits to total assets | 88.0700% | 1,306 |
| Equity capital to assets | 7.9925% | 3,433 |
| Core capital (leverage) ratio | 9.8070% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6387% | 1,647 |
| Memoranda: | ||
| Average total assets | $275,307,333 | 2,570 |
| Average earning assets | $260,383,000 | 2,536 |
| Average equity | $22,297,667 | 2,764 |
| Average total loans | $147,693,667 | 2,741 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 3,640 |
| Cost of funding earning assets | 1.3656% | 3,447 |
| Net interest margin | 3.1575% | 2,650 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.4316% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2324% | 1,363 |
| Return on assets (ROA) | 1.2324% | 1,371 |
| Pretax return on assets | 1.2986% | 1,644 |
| Return on Equity (ROE) | 19.8100% | 450 |
| Retained earnings to average equity (ytd only) | 10.4952% | 1,002 |
| Net charge-offs to loans | 0.0610% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 41.5294% | 1,035 |
| Efficiency ratio | 65.1381% | 2,669 |
| Assets per employee ($millions) | 7.2285% | 1,935 |
| Cash dividends to net income (ytd only)* | 47.0149% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,455 |
| Loan loss allowance to noncurrent loans | 4,948.3871% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,691 |
| Noncurrent loans to loans | 0.0279% | 3,580 |
| Net loans and leases to total assets | 50.5800% | 3,576 |
| Net loans and leases to deposits | 57.1306% | 3,673 |
| Net loans and leases to core deposits | 57.8343% | 3,844 |
| Total domestic deposits to total assets | 88.5300% | 1,247 |
| Equity capital to assets | 6.1668% | 4,164 |
| Core capital (leverage) ratio | 9.1325% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9184% | 1,566 |
| Memoranda: | ||
| Average total assets | $217,466,500 | 2,891 |
| Average earning assets | $208,263,500 | 2,840 |
| Average equity | $13,530,000 | 3,454 |
| Average total loans | $111,515,000 | 3,092 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,890 |
| Cost of funding earning assets | 0.8750% | 3,572 |
| Net interest margin | 3.1692% | 2,945 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.3974% | 2,606 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.2453% | 1,545 |
| Return on assets (ROA) | 1.2471% | 1,520 |
| Pretax return on assets | 1.3302% | 1,794 |
| Return on Equity (ROE) | 17.6100% | 874 |
| Retained earnings to average equity (ytd only) | -24.5898% | 4,536 |
| Net charge-offs to loans | 0.4793% | 218 |
| Credit loss provision to net charge-offs | 81.4532% | 2,010 |
| Earnings coverage of net charge-offs (x) | 6.1663% | 2,491 |
| Efficiency ratio | 61.0124% | 2,967 |
| Assets per employee ($millions) | 7.0348% | 2,048 |
| Cash dividends to net income (ytd only)* | 239.6119% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,425 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,463 |
| Noncurrent loans to loans | 0.0590% | 3,298 |
| Net loans and leases to total assets | 50.5600% | 3,562 |
| Net loans and leases to deposits | 56.4547% | 3,687 |
| Net loans and leases to core deposits | 57.0217% | 3,873 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 6.2762% | 4,173 |
| Core capital (leverage) ratio | 9.0612% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4896% | 1,690 |
| Memoranda: | ||
| Average total assets | $210,726,400 | 2,905 |
| Average earning assets | $201,817,800 | 2,847 |
| Average equity | $14,920,800 | 3,274 |
| Average total loans | $109,113,400 | 3,075 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 4,012 |
| Cost of funding earning assets | 0.7671% | 3,613 |
| Net interest margin | 3.1217% | 3,103 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.4076% | 2,501 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.1127% | 2,013 |
| Return on assets (ROA) | 1.1151% | 1,989 |
| Pretax return on assets | 1.1961% | 2,307 |
| Return on Equity (ROE) | 15.2900% | 1,395 |
| Retained earnings to average equity (ytd only) | -28.8910% | 4,574 |
| Net charge-offs to loans | 0.6431% | 140 |
| Credit loss provision to net charge-offs | 81.4532% | 1,750 |
| Earnings coverage of net charge-offs (x) | 4.3901% | 2,400 |
| Efficiency ratio | 62.1292% | 2,697 |
| Assets per employee ($millions) | 7.2353% | 1,799 |
| Cash dividends to net income (ytd only)* | 288.8952% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,760 |
| Loan loss allowance to noncurrent loans | 1,410.0000% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,299 |
| Noncurrent loans to loans | 0.0939% | 3,105 |
| Net loans and leases to total assets | 53.2300% | 3,409 |
| Net loans and leases to deposits | 56.2324% | 3,702 |
| Net loans and leases to core deposits | 56.9107% | 3,816 |
| Total domestic deposits to total assets | 94.6600% | 142 |
| Equity capital to assets | 4.8287% | 4,283 |
| Core capital (leverage) ratio | 9.3354% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5856% | 1,688 |
| Memoranda: | ||
| Average total assets | $208,888,250 | 2,930 |
| Average earning assets | $200,053,750 | 2,876 |
| Average equity | $15,229,250 | 3,235 |
| Average total loans | $108,438,000 | 3,080 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,019 |
| Cost of funding earning assets | 0.6389% | 3,662 |
| Net interest margin | 3.1601% | 3,081 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.4165% | 2,431 |
| Loan and lease loss provision to assets | 0.3400% | 263 |
| Net operating income to assets | 1.1275% | 2,043 |
| Return on assets (ROA) | 1.1311% | 2,030 |
| Pretax return on assets | 1.2078% | 2,338 |
| Return on Equity (ROE) | 13.8700% | 1,709 |
| Retained earnings to average equity (ytd only) | 13.8710% | 698 |
| Net charge-offs to loans | 0.9891% | 91 |
| Credit loss provision to net charge-offs | 67.0498% | 1,602 |
| Earnings coverage of net charge-offs (x) | 3.0479% | 2,283 |
| Efficiency ratio | 60.9995% | 2,842 |
| Assets per employee ($millions) | 6.9518% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,728 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,663 |
| Noncurrent loans to loans | 0.0328% | 3,504 |
| Net loans and leases to total assets | 51.8700% | 3,421 |
| Net loans and leases to deposits | 56.7670% | 3,599 |
| Net loans and leases to core deposits | 58.0880% | 3,712 |
| Total domestic deposits to total assets | 91.3800% | 532 |
| Equity capital to assets | 8.0766% | 3,163 |
| Core capital (leverage) ratio | 11.6756% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2108% | 925 |
| Memoranda: | ||
| Average total assets | $206,165,000 | 2,957 |
| Average earning assets | $197,211,333 | 2,910 |
| Average equity | $16,812,000 | 3,121 |
| Average total loans | $105,552,667 | 3,114 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,044 |
| Cost of funding earning assets | 0.5369% | 3,570 |
| Net interest margin | 3.1499% | 3,235 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.4238% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2552% | 1,783 |
| Return on assets (ROA) | 1.2626% | 1,737 |
| Pretax return on assets | 1.3231% | 2,105 |
| Return on Equity (ROE) | 15.4100% | 1,475 |
| Retained earnings to average equity (ytd only) | 15.4084% | 747 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7704% | 2,360 |
| Assets per employee ($millions) | 6.7765% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,048 |
| Loan loss allowance to noncurrent loans | 214.3043% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,366 |
| Noncurrent loans to loans | 0.7376% | 1,037 |
| Net loans and leases to total assets | 50.4700% | 3,451 |
| Net loans and leases to deposits | 55.5176% | 3,598 |
| Net loans and leases to core deposits | 56.7621% | 3,702 |
| Total domestic deposits to total assets | 90.9100% | 827 |
| Equity capital to assets | 8.4193% | 2,953 |
| Core capital (leverage) ratio | 11.5180% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3179% | 944 |
| Memoranda: | ||
| Average total assets | $204,970,500 | 3,005 |
| Average earning assets | $195,945,000 | 2,954 |
| Average equity | $16,796,000 | 3,147 |
| Average total loans | $103,500,000 | 3,167 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 4,038 |
| Cost of funding earning assets | 0.1753% | 3,951 |
| Net interest margin | 2.8981% | 3,684 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 2.2651% | 2,849 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.5554% | 772 |
| Return on assets (ROA) | 1.5554% | 735 |
| Pretax return on assets | 1.6178% | 1,119 |
| Return on Equity (ROE) | 18.6100% | 619 |
| Retained earnings to average equity (ytd only) | 17.5877% | 150 |
| Net charge-offs to loans | 0.0011% | 2,534 |
| Credit loss provision to net charge-offs | 2,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 3,422.0000% | 43 |
| Efficiency ratio | 58.1316% | 3,319 |
| Assets per employee ($millions) | 6.6660% | 2,204 |
| Cash dividends to net income (ytd only)* | 5.5113% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,650 |
| Loan loss allowance to noncurrent loans | 3,039.1304% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,619 |
| Noncurrent loans to loans | 0.0448% | 3,437 |
| Net loans and leases to total assets | 49.0400% | 3,581 |
| Net loans and leases to deposits | 53.6207% | 3,697 |
| Net loans and leases to core deposits | 54.0065% | 3,806 |
| Total domestic deposits to total assets | 91.4700% | 788 |
| Equity capital to assets | 7.9731% | 3,074 |
| Core capital (leverage) ratio | 11.1756% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2941% | 937 |
| Memoranda: | ||
| Average total assets | $209,973,200 | 2,977 |
| Average earning assets | $200,784,000 | 2,928 |
| Average equity | $17,546,400 | 3,159 |
| Average total loans | $90,584,800 | 3,283 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 4,046 |
| Cost of funding earning assets | 0.1474% | 3,870 |
| Net interest margin | 2.7623% | 3,813 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 2.2238% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5559% | 730 |
| Return on assets (ROA) | 1.5559% | 710 |
| Pretax return on assets | 1.6388% | 1,032 |
| Return on Equity (ROE) | 18.4100% | 589 |
| Retained earnings to average equity (ytd only) | 17.0648% | 205 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.5405% | 3,440 |
| Assets per employee ($millions) | 6.8721% | 2,044 |
| Cash dividends to net income (ytd only)* | 7.3171% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,763 |
| Loan loss allowance to noncurrent loans | 639.0698% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,921 |
| Noncurrent loans to loans | 0.2127% | 2,548 |
| Net loans and leases to total assets | 48.3700% | 3,593 |
| Net loans and leases to deposits | 52.2764% | 3,715 |
| Net loans and leases to core deposits | 52.5710% | 3,827 |
| Total domestic deposits to total assets | 92.5200% | 712 |
| Equity capital to assets | 6.8441% | 3,590 |
| Core capital (leverage) ratio | 10.7429% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6388% | 1,057 |
| Memoranda: | ||
| Average total assets | $210,805,250 | 2,997 |
| Average earning assets | $201,711,000 | 2,940 |
| Average equity | $17,814,000 | 3,173 |
| Average total loans | $87,544,500 | 3,328 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6674% | 4,188 |
| Cost of funding earning assets | 0.1338% | 3,788 |
| Net interest margin | 2.5336% | 4,027 |
| Noninterest income to average assets | 1.4175% | 363 |
| Noninterest expense to average assets | 2.1822% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5955% | 552 |
| Return on assets (ROA) | 1.5955% | 539 |
| Pretax return on assets | 1.6604% | 826 |
| Return on Equity (ROE) | 17.7860% | 499 |
| Retained earnings to average equity (ytd only) | 16.8411% | 157 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7647% | 3,702 |
| Assets per employee ($millions) | 6.7380% | 2,136 |
| Cash dividends to net income (ytd only)* | 5.3129% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 1,245 |
| Loan loss allowance to noncurrent loans | 960.8392% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,292 |
| Noncurrent loans to loans | 0.1624% | 2,882 |
| Net loans and leases to total assets | 41.5068% | 4,003 |
| Net loans and leases to deposits | 45.0291% | 4,067 |
| Net loans and leases to core deposits | 45.2802% | 4,144 |
| Total domestic deposits to total assets | 92.1778% | 770 |
| Equity capital to assets | 7.2894% | 3,605 |
| Core capital (leverage) ratio | 10.6552% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1212% | 974 |
| Memoranda: | ||
| Average total assets | $212,352,667 | 3,011 |
| Average earning assets | $203,271,667 | 2,970 |
| Average equity | $19,048,667 | 3,146 |
| Average total loans | $83,030,333 | 3,411 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5132% | 4,250 |
| Cost of funding earning assets | 0.1328% | 3,728 |
| Net interest margin | 2.3805% | 4,106 |
| Noninterest income to average assets | 0.9230% | 803 |
| Noninterest expense to average assets | 2.1953% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9921% | 1,907 |
| Return on assets (ROA) | 0.9921% | 1,904 |
| Pretax return on assets | 1.0052% | 2,423 |
| Return on Equity (ROE) | 10.1336% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.1336% | 990 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5347% | 2,439 |
| Assets per employee ($millions) | 6.7813% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 1,127 |
| Loan loss allowance to noncurrent loans | 9,160.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,013 |
| Noncurrent loans to loans | 0.0181% | 3,865 |
| Net loans and leases to total assets | 38.6617% | 4,086 |
| Net loans and leases to deposits | 42.7874% | 4,126 |
| Net loans and leases to core deposits | 43.0291% | 4,203 |
| Total domestic deposits to total assets | 90.3578% | 1,353 |
| Equity capital to assets | 9.1085% | 2,618 |
| Core capital (leverage) ratio | 10.0691% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5392% | 963 |
| Memoranda: | ||
| Average total assets | $214,089,500 | 3,006 |
| Average earning assets | $204,835,000 | 2,967 |
| Average equity | $20,960,000 | 3,059 |
| Average total loans | $80,509,000 | 3,452 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1583% | 3,567 |
| Cost of funding earning assets | 0.1653% | 3,816 |
| Net interest margin | 2.9929% | 3,212 |
| Noninterest income to average assets | 0.9406% | 1,115 |
| Noninterest expense to average assets | 2.2180% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4225% | 1,205 |
| Return on assets (ROA) | 1.4225% | 1,272 |
| Pretax return on assets | 1.5691% | 1,509 |
| Return on Equity (ROE) | 11.7995% | 1,880 |
| Retained earnings to average equity (ytd only) | -4.3760% | 4,694 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5416% | 3,362 |
| Assets per employee ($millions) | 6.8112% | 2,057 |
| Cash dividends to net income (ytd only)* | 137.0863% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 942 |
| Loan loss allowance to noncurrent loans | 10,569.2308% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,111 |
| Noncurrent loans to loans | 0.0166% | 3,963 |
| Net loans and leases to total assets | 35.3256% | 4,319 |
| Net loans and leases to deposits | 39.6671% | 4,348 |
| Net loans and leases to core deposits | 39.8861% | 4,392 |
| Total domestic deposits to total assets | 89.0552% | 1,487 |
| Equity capital to assets | 10.4479% | 2,222 |
| Core capital (leverage) ratio | 9.8964% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7372% | 935 |
| Memoranda: | ||
| Average total assets | $206,041,400 | 3,018 |
| Average earning assets | $195,961,400 | 2,990 |
| Average equity | $24,840,000 | 2,863 |
| Average total loans | $82,951,200 | 3,427 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 2,722 |
| Cost of funding earning assets | 0.1739% | 3,885 |
| Net interest margin | 3.3651% | 2,252 |
| Noninterest income to average assets | 0.7866% | 1,567 |
| Noninterest expense to average assets | 2.2121% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7761% | 699 |
| Return on assets (ROA) | 1.7761% | 733 |
| Pretax return on assets | 1.7761% | 1,223 |
| Return on Equity (ROE) | 14.2232% | 1,333 |
| Retained earnings to average equity (ytd only) | 6.3518% | 2,673 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4330% | 3,602 |
| Assets per employee ($millions) | 7.0298% | 1,848 |
| Cash dividends to net income (ytd only)* | 55.3420% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 1,015 |
| Loan loss allowance to noncurrent loans | 9,160.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,206 |
| Noncurrent loans to loans | 0.0191% | 4,055 |
| Net loans and leases to total assets | 36.6040% | 4,357 |
| Net loans and leases to deposits | 42.0462% | 4,378 |
| Net loans and leases to core deposits | 42.3586% | 4,435 |
| Total domestic deposits to total assets | 87.0566% | 2,333 |
| Equity capital to assets | 12.3038% | 1,258 |
| Core capital (leverage) ratio | 11.3563% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2393% | 776 |
| Memoranda: | ||
| Average total assets | $203,062,250 | 3,077 |
| Average earning assets | $193,196,750 | 3,043 |
| Average equity | $25,357,000 | 2,855 |
| Average total loans | $84,096,750 | 3,460 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 2,653 |
| Cost of funding earning assets | 0.1737% | 4,007 |
| Net interest margin | 3.4177% | 2,086 |
| Noninterest income to average assets | 0.8201% | 1,477 |
| Noninterest expense to average assets | 2.2130% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8668% | 626 |
| Return on assets (ROA) | 1.8668% | 658 |
| Pretax return on assets | 1.8668% | 1,086 |
| Return on Equity (ROE) | 14.8728% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.8410% | 3,249 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2186% | 3,771 |
| Assets per employee ($millions) | 6.3582% | 2,277 |
| Cash dividends to net income (ytd only)* | 67.4506% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,233 |
| Loan loss allowance to noncurrent loans | 19,628.5714% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,305 |
| Noncurrent loans to loans | 0.0082% | 4,200 |
| Net loans and leases to total assets | 41.0674% | 4,233 |
| Net loans and leases to deposits | 47.2212% | 4,259 |
| Net loans and leases to core deposits | 47.6119% | 4,344 |
| Total domestic deposits to total assets | 86.9681% | 2,339 |
| Equity capital to assets | 12.4072% | 1,180 |
| Core capital (leverage) ratio | 11.4000% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6338% | 864 |
| Memoranda: | ||
| Average total assets | $200,451,333 | 3,095 |
| Average earning assets | $191,179,667 | 3,055 |
| Average equity | $25,160,000 | 2,866 |
| Average total loans | $85,939,000 | 3,458 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 2,318 |
| Cost of funding earning assets | 0.1741% | 4,127 |
| Net interest margin | 3.5450% | 1,714 |
| Noninterest income to average assets | 0.8786% | 1,382 |
| Noninterest expense to average assets | 2.2177% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0589% | 525 |
| Return on assets (ROA) | 2.0589% | 562 |
| Pretax return on assets | 2.0589% | 861 |
| Return on Equity (ROE) | 16.3070% | 957 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,593 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8101% | 4,011 |
| Assets per employee ($millions) | 6.2468% | 2,372 |
| Cash dividends to net income (ytd only)* | 77.3438% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,130 |
| Loan loss allowance to noncurrent loans | 4,293.7500% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,261 |
| Noncurrent loans to loans | 0.0388% | 4,087 |
| Net loans and leases to total assets | 40.5745% | 4,312 |
| Net loans and leases to deposits | 46.6462% | 4,318 |
| Net loans and leases to core deposits | 47.0385% | 4,405 |
| Total domestic deposits to total assets | 86.9834% | 2,316 |
| Equity capital to assets | 12.4228% | 1,109 |
| Core capital (leverage) ratio | 11.5800% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9750% | 683 |
| Memoranda: | ||
| Average total assets | $198,945,500 | 3,100 |
| Average earning assets | $190,692,500 | 3,051 |
| Average equity | $25,118,000 | 2,862 |
| Average total loans | $86,443,000 | 3,463 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 1,570 |
| Cost of funding earning assets | 0.2185% | 4,513 |
| Net interest margin | 4.1893% | 648 |
| Noninterest income to average assets | 0.8267% | 1,463 |
| Noninterest expense to average assets | 2.5636% | 2,661 |
| Loan and lease loss provision to assets | 0.1410% | 2,593 |
| Net operating income to assets | 2.1119% | 214 |
| Return on assets (ROA) | 2.3718% | 168 |
| Pretax return on assets | 2.3718% | 228 |
| Return on Equity (ROE) | 17.6505% | 355 |
| Retained earnings to average equity (ytd only) | 8.1286% | 1,016 |
| Net charge-offs to loans | -0.0022% | 3,993 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2022% | 4,292 |
| Assets per employee ($millions) | 5.8233% | 2,522 |
| Cash dividends to net income (ytd only)* | 53.9467% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.9665% | 4,195 |
| Net loans and leases to deposits | 51.8841% | 4,220 |
| Net loans and leases to core deposits | 52.2179% | 4,328 |
| Total domestic deposits to total assets | 86.6671% | 2,089 |
| Equity capital to assets | 12.8303% | 1,164 |
| Core capital (leverage) ratio | 11.5572% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4756% | 1,159 |
| Memoranda: | ||
| Average total assets | $177,331,400 | 3,123 |
| Average earning assets | $168,883,200 | 3,083 |
| Average equity | $23,829,400 | 2,883 |
| Average total loans | $90,268,000 | 3,395 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,213 |
| Cost of funding earning assets | 0.2291% | 4,574 |
| Net interest margin | 4.4090% | 464 |
| Noninterest income to average assets | 0.9115% | 1,192 |
| Noninterest expense to average assets | 2.6307% | 2,445 |
| Loan and lease loss provision to assets | 0.1934% | 2,044 |
| Net operating income to assets | 2.2760% | 184 |
| Return on assets (ROA) | 2.6330% | 131 |
| Pretax return on assets | 2.6330% | 173 |
| Return on Equity (ROE) | 19.3430% | 273 |
| Retained earnings to average equity (ytd only) | 7.6519% | 1,438 |
| Net charge-offs to loans | -0.0015% | 3,854 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5487% | 4,379 |
| Assets per employee ($millions) | 5.8317% | 2,417 |
| Cash dividends to net income (ytd only)* | 60.4412% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,548 |
| Loan loss allowance to noncurrent loans | 542.6877% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,767 |
| Noncurrent loans to loans | 0.2666% | 3,338 |
| Net loans and leases to total assets | 48.5991% | 4,180 |
| Net loans and leases to deposits | 56.6154% | 4,229 |
| Net loans and leases to core deposits | 56.9148% | 4,343 |
| Total domestic deposits to total assets | 85.8407% | 2,134 |
| Equity capital to assets | 12.8426% | 1,249 |
| Core capital (leverage) ratio | 11.8626% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5112% | 1,370 |
| Memoranda: | ||
| Average total assets | $172,166,250 | 3,159 |
| Average earning assets | $163,569,500 | 3,118 |
| Average equity | $23,436,000 | 2,906 |
| Average total loans | $90,234,000 | 3,410 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 726 |
| Cost of funding earning assets | 0.2423% | 4,647 |
| Net interest margin | 4.8287% | 270 |
| Noninterest income to average assets | 1.0145% | 956 |
| Noninterest expense to average assets | 2.7520% | 2,207 |
| Loan and lease loss provision to assets | 0.3023% | 1,427 |
| Net operating income to assets | 2.5634% | 128 |
| Return on assets (ROA) | 3.1208% | 81 |
| Pretax return on assets | 3.1208% | 104 |
| Return on Equity (ROE) | 22.4340% | 150 |
| Retained earnings to average equity (ytd only) | 20.1220% | 89 |
| Net charge-offs to loans | -0.0023% | 3,844 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9669% | 4,560 |
| Assets per employee ($millions) | 5.2962% | 2,842 |
| Cash dividends to net income (ytd only)* | 10.3061% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,450 |
| Loan loss allowance to noncurrent loans | 449.0196% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 3,427 |
| Noncurrent loans to loans | 0.3207% | 3,235 |
| Net loans and leases to total assets | 52.2297% | 4,013 |
| Net loans and leases to deposits | 61.4724% | 4,040 |
| Net loans and leases to core deposits | 61.8228% | 4,183 |
| Total domestic deposits to total assets | 84.9643% | 2,414 |
| Equity capital to assets | 14.0971% | 839 |
| Core capital (leverage) ratio | 13.3894% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8828% | 1,078 |
| Memoranda: | ||
| Average total assets | $165,406,333 | 3,198 |
| Average earning assets | $157,683,000 | 3,157 |
| Average equity | $23,009,667 | 2,929 |
| Average total loans | $88,678,667 | 3,443 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3140% | 104 |
| Cost of funding earning assets | 0.2701% | 4,733 |
| Net interest margin | 6.0438% | 57 |
| Noninterest income to average assets | 0.9540% | 946 |
| Noninterest expense to average assets | 2.9126% | 2,088 |
| Loan and lease loss provision to assets | 0.6326% | 430 |
| Net operating income to assets | 3.1833% | 56 |
| Return on assets (ROA) | 4.3499% | 35 |
| Pretax return on assets | 4.3499% | 41 |
| Return on Equity (ROE) | 31.5095% | 31 |
| Retained earnings to average equity (ytd only) | 30.5930% | 16 |
| Net charge-offs to loans | -0.0047% | 3,849 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2493% | 4,905 |
| Assets per employee ($millions) | 4.5070% | 3,249 |
| Cash dividends to net income (ytd only)* | 2.9087% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,026 |
| Loan loss allowance to noncurrent loans | 361.3158% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 3,231 |
| Noncurrent loans to loans | 0.4477% | 2,911 |
| Net loans and leases to total assets | 52.9313% | 4,062 |
| Net loans and leases to deposits | 61.8712% | 4,106 |
| Net loans and leases to core deposits | 62.2703% | 4,263 |
| Total domestic deposits to total assets | 85.5508% | 2,192 |
| Equity capital to assets | 13.8292% | 1,116 |
| Core capital (leverage) ratio | 14.2328% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8032% | 1,010 |
| Memoranda: | ||
| Average total assets | $158,073,500 | 3,232 |
| Average earning assets | $151,030,500 | 3,182 |
| Average equity | $21,822,000 | 3,008 |
| Average total loans | $85,305,500 | 3,494 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,741 |
| Cost of funding earning assets | 0.2884% | 4,756 |
| Net interest margin | 3.9390% | 2,034 |
| Noninterest income to average assets | 1.5991% | 365 |
| Noninterest expense to average assets | 2.8656% | 2,394 |
| Loan and lease loss provision to assets | 0.0647% | 2,734 |
| Net operating income to assets | 2.4339% | 147 |
| Return on assets (ROA) | 2.4326% | 156 |
| Pretax return on assets | 2.4326% | 237 |
| Return on Equity (ROE) | 18.3167% | 317 |
| Retained earnings to average equity (ytd only) | 7.0996% | 1,353 |
| Net charge-offs to loans | -0.0012% | 4,185 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3961% | 4,486 |
| Assets per employee ($millions) | 4.5257% | 3,184 |
| Cash dividends to net income (ytd only)* | 61.2397% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,881 |
| Loan loss allowance to noncurrent loans | 190.1695% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 2,652 |
| Noncurrent loans to loans | 0.6881% | 2,163 |
| Net loans and leases to total assets | 53.4207% | 4,119 |
| Net loans and leases to deposits | 62.4135% | 4,173 |
| Net loans and leases to core deposits | 62.8133% | 4,331 |
| Total domestic deposits to total assets | 85.5916% | 2,241 |
| Equity capital to assets | 13.7808% | 1,175 |
| Core capital (leverage) ratio | 12.9844% | 1,239 |
| Tier 1 risk-based capital ratio | 16.7334% | 2,142 |
| Total risk-based capital ratio | 17.6553% | 2,192 |
| Memoranda: | ||
| Average total assets | $154,523,000 | 3,248 |
| Average earning assets | $147,703,400 | 3,194 |
| Average equity | $20,522,200 | 3,085 |
| Average total loans | $81,082,000 | 3,578 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,932 |
| Cost of funding earning assets | 0.2879% | 4,822 |
| Net interest margin | 3.9066% | 2,228 |
| Noninterest income to average assets | 1.6159% | 357 |
| Noninterest expense to average assets | 2.8758% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4746% | 168 |
| Return on assets (ROA) | 2.4399% | 188 |
| Pretax return on assets | 2.4399% | 282 |
| Return on Equity (ROE) | 18.5515% | 349 |
| Retained earnings to average equity (ytd only) | 13.3690% | 242 |
| Net charge-offs to loans | -0.0033% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7163% | 4,423 |
| Assets per employee ($millions) | 4.5109% | 3,188 |
| Cash dividends to net income (ytd only)* | 27.9360% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,603 |
| Loan loss allowance to noncurrent loans | 78.4509% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 1,536 |
| Noncurrent loans to loans | 1.5068% | 1,003 |
| Net loans and leases to total assets | 54.1677% | 4,168 |
| Net loans and leases to deposits | 63.6537% | 4,197 |
| Net loans and leases to core deposits | 64.0844% | 4,363 |
| Total domestic deposits to total assets | 85.0975% | 2,390 |
| Equity capital to assets | 14.2165% | 1,071 |
| Core capital (leverage) ratio | 13.6805% | 1,083 |
| Tier 1 risk-based capital ratio | 16.7836% | 2,155 |
| Total risk-based capital ratio | 17.6039% | 2,246 |
| Memoranda: | ||
| Average total assets | $153,553,500 | 3,289 |
| Average earning assets | $146,790,250 | 3,239 |
| Average equity | $20,195,500 | 3,135 |
| Average total loans | $79,917,250 | 3,644 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 4,123 |
| Cost of funding earning assets | 0.2794% | 4,879 |
| Net interest margin | 3.8359% | 2,454 |
| Noninterest income to average assets | 1.6409% | 346 |
| Noninterest expense to average assets | 2.8874% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4180% | 170 |
| Return on assets (ROA) | 2.4180% | 176 |
| Pretax return on assets | 2.4180% | 278 |
| Return on Equity (ROE) | 18.9142% | 321 |
| Retained earnings to average equity (ytd only) | 12.6301% | 338 |
| Net charge-offs to loans | -0.0026% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3990% | 4,423 |
| Assets per employee ($millions) | 4.4304% | 3,243 |
| Cash dividends to net income (ytd only)* | 33.2246% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,158 |
| Loan loss allowance to noncurrent loans | 72.2261% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,485 |
| Noncurrent loans to loans | 1.7526% | 862 |
| Net loans and leases to total assets | 51.4078% | 4,392 |
| Net loans and leases to deposits | 60.0499% | 4,421 |
| Net loans and leases to core deposits | 60.4602% | 4,558 |
| Total domestic deposits to total assets | 85.6085% | 2,219 |
| Equity capital to assets | 13.7259% | 1,230 |
| Core capital (leverage) ratio | 13.3958% | 1,153 |
| Tier 1 risk-based capital ratio | 17.1529% | 2,041 |
| Total risk-based capital ratio | 18.0237% | 2,094 |
| Memoranda: | ||
| Average total assets | $152,111,330 | 3,329 |
| Average earning assets | $145,312,000 | 3,268 |
| Average equity | $19,445,670 | 3,202 |
| Average total loans | $77,708,670 | 3,698 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 4,119 |
| Cost of funding earning assets | 0.2555% | 4,966 |
| Net interest margin | 3.8468% | 2,355 |
| Noninterest income to average assets | 1.5401% | 361 |
| Noninterest expense to average assets | 2.9369% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2810% | 226 |
| Return on assets (ROA) | 2.2810% | 237 |
| Pretax return on assets | 2.2810% | 373 |
| Return on Equity (ROE) | 18.5464% | 355 |
| Retained earnings to average equity (ytd only) | 12.8681% | 481 |
| Net charge-offs to loans | -0.0052% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2341% | 4,302 |
| Assets per employee ($millions) | 4.4001% | 3,330 |
| Cash dividends to net income (ytd only)* | 30.6170% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,996 |
| Loan loss allowance to noncurrent loans | 73.0000% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 1,462 |
| Noncurrent loans to loans | 1.8089% | 849 |
| Net loans and leases to total assets | 51.0498% | 4,402 |
| Net loans and leases to deposits | 59.0511% | 4,461 |
| Net loans and leases to core deposits | 59.4645% | 4,588 |
| Total domestic deposits to total assets | 86.4501% | 2,098 |
| Equity capital to assets | 12.9222% | 1,500 |
| Core capital (leverage) ratio | 12.9738% | 1,287 |
| Tier 1 risk-based capital ratio | 17.3559% | 1,993 |
| Total risk-based capital ratio | 18.2655% | 2,050 |
| Memoranda: | ||
| Average total assets | $150,635,000 | 3,377 |
| Average earning assets | $144,015,000 | 3,319 |
| Average equity | $18,526,500 | 3,310 |
| Average total loans | $76,194,500 | 3,764 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 4,018 |
| Cost of funding earning assets | 0.1602% | 5,149 |
| Net interest margin | 3.8429% | 2,527 |
| Noninterest income to average assets | 1.0451% | 866 |
| Noninterest expense to average assets | 2.7622% | 2,818 |
| Loan and lease loss provision to assets | 0.0334% | 3,526 |
| Net operating income to assets | 1.9153% | 429 |
| Return on assets (ROA) | 1.7939% | 553 |
| Pretax return on assets | 1.7939% | 940 |
| Return on Equity (ROE) | 15.6085% | 705 |
| Retained earnings to average equity (ytd only) | 9.7147% | 675 |
| Net charge-offs to loans | -0.0039% | 4,308 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6060% | 4,064 |
| Assets per employee ($millions) | 4.4608% | 3,225 |
| Cash dividends to net income (ytd only)* | 37.7604% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,785 |
| Loan loss allowance to noncurrent loans | 66.9948% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 1,331 |
| Noncurrent loans to loans | 2.0321% | 662 |
| Net loans and leases to total assets | 48.7740% | 4,594 |
| Net loans and leases to deposits | 55.6216% | 4,680 |
| Net loans and leases to core deposits | 55.9989% | 4,778 |
| Total domestic deposits to total assets | 87.6888% | 1,450 |
| Equity capital to assets | 11.6842% | 2,107 |
| Core capital (leverage) ratio | 12.4814% | 1,465 |
| Tier 1 risk-based capital ratio | 17.1156% | 2,027 |
| Total risk-based capital ratio | 18.0400% | 2,082 |
| Memoranda: | ||
| Average total assets | $149,842,200 | 3,387 |
| Average earning assets | $142,939,000 | 3,333 |
| Average equity | $17,221,400 | 3,371 |
| Average total loans | $76,301,200 | 3,742 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 4,049 |
| Cost of funding earning assets | 0.1470% | 5,230 |
| Net interest margin | 3.8124% | 2,598 |
| Noninterest income to average assets | 1.1246% | 738 |
| Noninterest expense to average assets | 2.7159% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0439% | 343 |
| Return on assets (ROA) | 2.0108% | 365 |
| Pretax return on assets | 2.0108% | 606 |
| Return on Equity (ROE) | 17.5704% | 474 |
| Retained earnings to average equity (ytd only) | 16.0808% | 132 |
| Net charge-offs to loans | -0.0052% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0223% | 4,253 |
| Assets per employee ($millions) | 4.3960% | 3,280 |
| Cash dividends to net income (ytd only)* | 8.4776% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,545 |
| Loan loss allowance to noncurrent loans | 84.4348% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 1,871 |
| Noncurrent loans to loans | 1.4374% | 1,150 |
| Net loans and leases to total assets | 52.8780% | 4,435 |
| Net loans and leases to deposits | 60.5589% | 4,519 |
| Net loans and leases to core deposits | 60.9921% | 4,664 |
| Total domestic deposits to total assets | 87.3166% | 1,590 |
| Equity capital to assets | 11.6678% | 2,134 |
| Core capital (leverage) ratio | 12.8451% | 1,348 |
| Tier 1 risk-based capital ratio | 16.8793% | 2,142 |
| Total risk-based capital ratio | 17.7288% | 2,220 |
| Memoranda: | ||
| Average total assets | $149,386,000 | 3,431 |
| Average earning assets | $142,442,750 | 3,364 |
| Average equity | $17,096,500 | 3,416 |
| Average total loans | $76,627,750 | 3,770 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 4,149 |
| Cost of funding earning assets | 0.1308% | 5,318 |
| Net interest margin | 3.7420% | 2,780 |
| Noninterest income to average assets | 1.2908% | 578 |
| Noninterest expense to average assets | 2.6848% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1693% | 270 |
| Return on assets (ROA) | 2.1733% | 263 |
| Pretax return on assets | 2.1733% | 409 |
| Return on Equity (ROE) | 19.1140% | 326 |
| Retained earnings to average equity (ytd only) | 17.9834% | 95 |
| Net charge-offs to loans | -0.0053% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2828% | 4,559 |
| Assets per employee ($millions) | 4.3781% | 3,310 |
| Cash dividends to net income (ytd only)* | 5.9150% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,417 |
| Loan loss allowance to noncurrent loans | 79.1837% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,822 |
| Noncurrent loans to loans | 1.5822% | 1,029 |
| Net loans and leases to total assets | 51.3617% | 4,517 |
| Net loans and leases to deposits | 58.8247% | 4,598 |
| Net loans and leases to core deposits | 59.2459% | 4,740 |
| Total domestic deposits to total assets | 87.3132% | 1,719 |
| Equity capital to assets | 11.6582% | 2,086 |
| Core capital (leverage) ratio | 12.7896% | 1,317 |
| Tier 1 risk-based capital ratio | 17.2260% | 2,026 |
| Total risk-based capital ratio | 18.1169% | 2,093 |
| Memoranda: | ||
| Average total assets | $149,360,330 | 3,445 |
| Average earning assets | $142,225,000 | 3,386 |
| Average equity | $16,982,330 | 3,446 |
| Average total loans | $75,502,330 | 3,821 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,204 |
| Cost of funding earning assets | 0.1295% | 5,356 |
| Net interest margin | 3.6760% | 2,900 |
| Noninterest income to average assets | 1.2272% | 614 |
| Noninterest expense to average assets | 2.7565% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9624% | 405 |
| Return on assets (ROA) | 1.9624% | 406 |
| Pretax return on assets | 1.9624% | 626 |
| Return on Equity (ROE) | 17.4798% | 461 |
| Retained earnings to average equity (ytd only) | 17.4798% | 175 |
| Net charge-offs to loans | -0.0054% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3569% | 4,298 |
| Assets per employee ($millions) | 4.3575% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,167 |
| Loan loss allowance to noncurrent loans | 79.9505% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 1,935 |
| Noncurrent loans to loans | 1.6469% | 1,049 |
| Net loans and leases to total assets | 49.0179% | 4,628 |
| Net loans and leases to deposits | 55.8634% | 4,698 |
| Net loans and leases to core deposits | 56.2624% | 4,831 |
| Total domestic deposits to total assets | 87.7460% | 1,765 |
| Equity capital to assets | 11.2469% | 2,349 |
| Core capital (leverage) ratio | 12.2193% | 1,516 |
| Tier 1 risk-based capital ratio | 17.5527% | 1,958 |
| Total risk-based capital ratio | 18.4996% | 1,997 |
| Memoranda: | ||
| Average total assets | $149,612,500 | 3,472 |
| Average earning assets | $142,109,500 | 3,423 |
| Average equity | $16,796,500 | 3,499 |
| Average total loans | $74,541,000 | 3,871 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 3,841 |
| Cost of funding earning assets | 0.1558% | 5,229 |
| Net interest margin | 3.7071% | 2,772 |
| Noninterest income to average assets | 0.6802% | 2,052 |
| Noninterest expense to average assets | 2.7834% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4053% | 1,007 |
| Return on assets (ROA) | 1.3760% | 1,087 |
| Pretax return on assets | 1.3760% | 2,067 |
| Return on Equity (ROE) | 11.9582% | 1,224 |
| Retained earnings to average equity (ytd only) | 2.7400% | 3,671 |
| Net charge-offs to loans | 0.1357% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 20.4752% | 1,960 |
| Efficiency ratio | 66.4341% | 3,183 |
| Assets per employee ($millions) | 4.4432% | 3,284 |
| Cash dividends to net income (ytd only)* | 77.0864% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,309 |
| Loan loss allowance to noncurrent loans | 74.2331% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 1,390 |
| Noncurrent loans to loans | 1.7274% | 934 |
| Net loans and leases to total assets | 49.3298% | 4,685 |
| Net loans and leases to deposits | 56.2201% | 4,789 |
| Net loans and leases to core deposits | 56.6130% | 4,906 |
| Total domestic deposits to total assets | 87.7440% | 1,634 |
| Equity capital to assets | 11.2068% | 2,421 |
| Core capital (leverage) ratio | 11.5282% | 1,924 |
| Tier 1 risk-based capital ratio | 16.4058% | 2,299 |
| Total risk-based capital ratio | 17.3274% | 2,344 |
| Memoranda: | ||
| Average total assets | $147,160,400 | 3,504 |
| Average earning assets | $139,272,400 | 3,464 |
| Average equity | $16,934,000 | 3,486 |
| Average total loans | $74,451,400 | 3,861 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 3,987 |
| Cost of funding earning assets | 0.1600% | 5,252 |
| Net interest margin | 3.6469% | 2,968 |
| Noninterest income to average assets | 0.5710% | 2,624 |
| Noninterest expense to average assets | 2.8137% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2085% | 1,657 |
| Return on assets (ROA) | 1.2112% | 1,679 |
| Pretax return on assets | 1.2112% | 2,856 |
| Return on Equity (ROE) | 10.4554% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.7865% | 1,802 |
| Net charge-offs to loans | 0.1797% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 2,364 |
| Efficiency ratio | 69.9320% | 2,550 |
| Assets per employee ($millions) | 4.4291% | 3,278 |
| Cash dividends to net income (ytd only)* | 35.0905% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,465 |
| Loan loss allowance to noncurrent loans | 72.2595% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 1,405 |
| Noncurrent loans to loans | 1.7709% | 1,015 |
| Net loans and leases to total assets | 49.6431% | 4,726 |
| Net loans and leases to deposits | 56.6861% | 4,830 |
| Net loans and leases to core deposits | 57.2101% | 4,942 |
| Total domestic deposits to total assets | 87.5755% | 1,595 |
| Equity capital to assets | 11.6622% | 2,221 |
| Core capital (leverage) ratio | 11.8461% | 1,786 |
| Tier 1 risk-based capital ratio | 16.9637% | 2,165 |
| Total risk-based capital ratio | 17.8962% | 2,222 |
| Memoranda: | ||
| Average total assets | $146,183,250 | 3,547 |
| Average earning assets | $138,343,750 | 3,503 |
| Average equity | $16,935,000 | 3,526 |
| Average total loans | $74,191,750 | 3,895 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,534 |
| Cost of funding earning assets | 0.1666% | 5,229 |
| Net interest margin | 3.4249% | 3,680 |
| Noninterest income to average assets | 0.6122% | 2,399 |
| Noninterest expense to average assets | 2.8732% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9785% | 2,530 |
| Return on assets (ROA) | 1.0075% | 2,428 |
| Pretax return on assets | 1.0075% | 3,541 |
| Return on Equity (ROE) | 8.7170% | 2,654 |
| Retained earnings to average equity (ytd only) | 4.6395% | 2,953 |
| Net charge-offs to loans | 0.0570% | 2,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,381 |
| Efficiency ratio | 74.5963% | 1,912 |
| Assets per employee ($millions) | 4.4987% | 3,110 |
| Cash dividends to net income (ytd only)* | 46.7764% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,931 |
| Loan loss allowance to noncurrent loans | 76.3848% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5493% | 965 |
| Noncurrent loans to loans | 1.8405% | 960 |
| Net loans and leases to total assets | 49.5059% | 4,738 |
| Net loans and leases to deposits | 56.5459% | 4,834 |
| Net loans and leases to core deposits | 57.0751% | 4,947 |
| Total domestic deposits to total assets | 87.5499% | 1,689 |
| Equity capital to assets | 11.5811% | 2,247 |
| Core capital (leverage) ratio | 11.8811% | 1,707 |
| Tier 1 risk-based capital ratio | 15.3766% | 2,764 |
| Total risk-based capital ratio | 16.3160% | 2,835 |
| Memoranda: | ||
| Average total assets | $144,714,670 | 3,586 |
| Average earning assets | $136,881,330 | 3,541 |
| Average equity | $16,726,000 | 3,561 |
| Average total loans | $73,680,330 | 3,932 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,496 |
| Cost of funding earning assets | 0.1749% | 5,198 |
| Net interest margin | 3.3945% | 3,669 |
| Noninterest income to average assets | 0.6693% | 2,093 |
| Noninterest expense to average assets | 2.9739% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9017% | 2,754 |
| Return on assets (ROA) | 0.9073% | 2,779 |
| Pretax return on assets | 0.9073% | 3,742 |
| Return on Equity (ROE) | 7.8581% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.6511% | 2,520 |
| Net charge-offs to loans | 0.0164% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 505 |
| Efficiency ratio | 76.7341% | 1,799 |
| Assets per employee ($millions) | 4.3179% | 3,476 |
| Cash dividends to net income (ytd only)* | 28.0864% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,824 |
| Loan loss allowance to noncurrent loans | 60.0225% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9145% | 708 |
| Noncurrent loans to loans | 2.4337% | 656 |
| Net loans and leases to total assets | 50.4663% | 4,636 |
| Net loans and leases to deposits | 57.8864% | 4,708 |
| Net loans and leases to core deposits | 58.3245% | 4,863 |
| Total domestic deposits to total assets | 87.1816% | 2,119 |
| Equity capital to assets | 11.6871% | 2,048 |
| Core capital (leverage) ratio | 12.0331% | 1,606 |
| Tier 1 risk-based capital ratio | 11.1396% | 5,235 |
| Total risk-based capital ratio | 11.8377% | 5,422 |
| Memoranda: | ||
| Average total assets | $142,843,500 | 3,653 |
| Average earning assets | $134,923,000 | 3,608 |
| Average equity | $16,492,500 | 3,603 |
| Average total loans | $73,249,000 | 3,968 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,192 |
| Cost of funding earning assets | 0.2053% | 4,964 |
| Net interest margin | 3.4996% | 3,431 |
| Noninterest income to average assets | 0.6149% | 2,583 |
| Noninterest expense to average assets | 2.9288% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9979% | 2,359 |
| Return on assets (ROA) | 1.0007% | 2,454 |
| Pretax return on assets | 1.0007% | 3,476 |
| Return on Equity (ROE) | 8.4103% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.5042% | 2,699 |
| Net charge-offs to loans | -0.0014% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5876% | 2,213 |
| Assets per employee ($millions) | 4.3393% | 3,378 |
| Cash dividends to net income (ytd only)* | 46.4438% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,862 |
| Loan loss allowance to noncurrent loans | 67.7665% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 822 |
| Noncurrent loans to loans | 2.1436% | 800 |
| Net loans and leases to total assets | 50.5978% | 4,718 |
| Net loans and leases to deposits | 57.8401% | 4,801 |
| Net loans and leases to core deposits | 58.2727% | 4,950 |
| Total domestic deposits to total assets | 87.4787% | 1,892 |
| Equity capital to assets | 11.4053% | 2,242 |
| Core capital (leverage) ratio | 11.7983% | 1,724 |
| Tier 1 risk-based capital ratio | 10.9279% | 5,380 |
| Total risk-based capital ratio | 11.6235% | 5,567 |
| Memoranda: | ||
| Average total assets | $140,501,400 | 3,666 |
| Average earning assets | $132,957,800 | 3,602 |
| Average equity | $16,717,600 | 3,589 |
| Average total loans | $71,879,600 | 3,999 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,416 |
| Cost of funding earning assets | 0.2125% | 4,951 |
| Net interest margin | 3.4340% | 3,727 |
| Noninterest income to average assets | 0.6417% | 2,469 |
| Noninterest expense to average assets | 2.9702% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9230% | 2,795 |
| Return on assets (ROA) | 0.9268% | 2,900 |
| Pretax return on assets | 0.9268% | 3,887 |
| Return on Equity (ROE) | 7.7077% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.9543% | 1,652 |
| Net charge-offs to loans | -0.0019% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2919% | 1,936 |
| Assets per employee ($millions) | 4.3392% | 3,350 |
| Cash dividends to net income (ytd only)* | 9.7734% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 2,131 |
| Loan loss allowance to noncurrent loans | 56.7783% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.9121% | 836 |
| Noncurrent loans to loans | 2.4934% | 707 |
| Net loans and leases to total assets | 51.9372% | 4,663 |
| Net loans and leases to deposits | 59.9491% | 4,765 |
| Net loans and leases to core deposits | 60.4220% | 4,912 |
| Total domestic deposits to total assets | 86.6356% | 2,064 |
| Equity capital to assets | 12.1157% | 2,027 |
| Core capital (leverage) ratio | 12.0028% | 1,676 |
| Tier 1 risk-based capital ratio | 11.0510% | 5,350 |
| Total risk-based capital ratio | 11.7492% | 5,539 |
| Memoranda: | ||
| Average total assets | $139,827,750 | 3,698 |
| Average earning assets | $132,398,500 | 3,629 |
| Average equity | $16,814,000 | 3,605 |
| Average total loans | $71,469,000 | 4,030 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 4,750 |
| Cost of funding earning assets | 0.2195% | 4,942 |
| Net interest margin | 3.3293% | 4,121 |
| Noninterest income to average assets | 0.6849% | 2,211 |
| Noninterest expense to average assets | 2.9718% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8623% | 3,039 |
| Return on assets (ROA) | 0.8680% | 3,128 |
| Pretax return on assets | 0.8680% | 4,056 |
| Return on Equity (ROE) | 7.2375% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.2375% | 1,494 |
| Net charge-offs to loans | -0.0029% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5103% | 1,859 |
| Assets per employee ($millions) | 4.2662% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 2,113 |
| Loan loss allowance to noncurrent loans | 52.7147% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1494% | 731 |
| Noncurrent loans to loans | 2.7288% | 592 |
| Net loans and leases to total assets | 51.9793% | 4,675 |
| Net loans and leases to deposits | 60.2199% | 4,784 |
| Net loans and leases to core deposits | 60.7034% | 4,950 |
| Total domestic deposits to total assets | 86.3158% | 2,257 |
| Equity capital to assets | 12.1634% | 2,002 |
| Core capital (leverage) ratio | 12.1568% | 1,535 |
| Tier 1 risk-based capital ratio | 11.5042% | 5,150 |
| Total risk-based capital ratio | 12.2431% | 5,352 |
| Memoranda: | ||
| Average total assets | $138,705,670 | 3,739 |
| Average earning assets | $131,198,330 | 3,671 |
| Average equity | $16,635,670 | 3,639 |
| Average total loans | $70,145,670 | 4,096 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,875 |
| Cost of funding earning assets | 0.2183% | 5,023 |
| Net interest margin | 3.2900% | 4,261 |
| Noninterest income to average assets | 0.6857% | 2,108 |
| Noninterest expense to average assets | 3.0073% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7874% | 3,308 |
| Return on assets (ROA) | 0.7874% | 3,415 |
| Pretax return on assets | 0.7874% | 4,238 |
| Return on Equity (ROE) | 6.6132% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6132% | 2,074 |
| Net charge-offs to loans | 0.0059% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 223 |
| Efficiency ratio | 79.2496% | 1,708 |
| Assets per employee ($millions) | 4.0895% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,803 |
| Loan loss allowance to noncurrent loans | 51.9746% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.3142% | 677 |
| Noncurrent loans to loans | 2.9751% | 558 |
| Net loans and leases to total assets | 50.2949% | 4,779 |
| Net loans and leases to deposits | 58.4114% | 4,829 |
| Net loans and leases to core deposits | 58.9000% | 5,003 |
| Total domestic deposits to total assets | 86.1047% | 2,632 |
| Equity capital to assets | 12.3170% | 1,817 |
| Core capital (leverage) ratio | 12.0571% | 1,574 |
| Tier 1 risk-based capital ratio | 11.8436% | 5,016 |
| Total risk-based capital ratio | 12.6184% | 5,204 |
| Memoranda: | ||
| Average total assets | $137,667,000 | 3,786 |
| Average earning assets | $130,089,500 | 3,711 |
| Average equity | $16,391,500 | 3,677 |
| Average total loans | $68,095,500 | 4,160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 4,766 |
| Cost of funding earning assets | 0.2613% | 4,680 |
| Net interest margin | 3.3030% | 4,288 |
| Noninterest income to average assets | 0.7309% | 2,059 |
| Noninterest expense to average assets | 2.9113% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9340% | 2,689 |
| Return on assets (ROA) | 0.9303% | 2,792 |
| Pretax return on assets | 0.9303% | 3,726 |
| Return on Equity (ROE) | 7.8523% | 3,035 |
| Retained earnings to average equity (ytd only) | 1.9430% | 4,621 |
| Net charge-offs to loans | 0.0545% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.4324% | 1,313 |
| Efficiency ratio | 75.7102% | 2,320 |
| Assets per employee ($millions) | 4.2540% | 3,482 |
| Cash dividends to net income (ytd only)* | 75.2561% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,654 |
| Loan loss allowance to noncurrent loans | 50.0469% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.3151% | 699 |
| Noncurrent loans to loans | 3.1702% | 480 |
| Net loans and leases to total assets | 47.1456% | 5,081 |
| Net loans and leases to deposits | 54.1662% | 5,156 |
| Net loans and leases to core deposits | 54.5955% | 5,276 |
| Total domestic deposits to total assets | 87.0389% | 2,109 |
| Equity capital to assets | 11.5122% | 2,345 |
| Core capital (leverage) ratio | 11.6536% | 1,846 |
| Tier 1 risk-based capital ratio | 12.4305% | 4,679 |
| Total risk-based capital ratio | 13.2581% | 4,842 |
| Memoranda: | ||
| Average total assets | $136,401,800 | 3,778 |
| Average earning assets | $128,609,200 | 3,729 |
| Average equity | $16,160,800 | 3,651 |
| Average total loans | $67,910,200 | 4,145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 4,770 |
| Cost of funding earning assets | 0.2738% | 4,621 |
| Net interest margin | 3.3168% | 4,274 |
| Noninterest income to average assets | 0.7267% | 2,125 |
| Noninterest expense to average assets | 2.9028% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9492% | 2,715 |
| Return on assets (ROA) | 0.9492% | 2,813 |
| Pretax return on assets | 0.9492% | 3,817 |
| Return on Equity (ROE) | 7.9532% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,106 |
| Net charge-offs to loans | 0.0764% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.7173% | 1,684 |
| Efficiency ratio | 75.3579% | 2,340 |
| Assets per employee ($millions) | 4.2106% | 3,497 |
| Cash dividends to net income (ytd only)* | 40.5602% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,003 |
| Loan loss allowance to noncurrent loans | 44.3565% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.7438% | 585 |
| Noncurrent loans to loans | 3.4682% | 453 |
| Net loans and leases to total assets | 50.5889% | 4,886 |
| Net loans and leases to deposits | 58.5703% | 4,948 |
| Net loans and leases to core deposits | 59.0724% | 5,125 |
| Total domestic deposits to total assets | 86.3729% | 2,349 |
| Equity capital to assets | 12.2103% | 1,949 |
| Core capital (leverage) ratio | 12.0271% | 1,662 |
| Tier 1 risk-based capital ratio | 14.6476% | 3,469 |
| Total risk-based capital ratio | 15.6055% | 3,569 |
| Memoranda: | ||
| Average total assets | $135,406,750 | 3,836 |
| Average earning assets | $127,591,000 | 3,784 |
| Average equity | $16,160,750 | 3,682 |
| Average total loans | $68,075,000 | 4,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,794 |
| Cost of funding earning assets | 0.2771% | 4,643 |
| Net interest margin | 3.2967% | 4,313 |
| Noninterest income to average assets | 0.7314% | 2,084 |
| Noninterest expense to average assets | 2.8902% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9467% | 2,656 |
| Return on assets (ROA) | 0.9467% | 2,771 |
| Pretax return on assets | 0.9467% | 3,782 |
| Return on Equity (ROE) | 7.9932% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.3701% | 3,235 |
| Net charge-offs to loans | 0.1211% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.6585% | 1,961 |
| Efficiency ratio | 75.3267% | 2,488 |
| Assets per employee ($millions) | 4.3018% | 3,302 |
| Cash dividends to net income (ytd only)* | 45.3271% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,005 |
| Loan loss allowance to noncurrent loans | 33.3438% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 3.4607% | 422 |
| Noncurrent loans to loans | 4.7149% | 271 |
| Net loans and leases to total assets | 48.3463% | 5,071 |
| Net loans and leases to deposits | 55.8570% | 5,127 |
| Net loans and leases to core deposits | 56.3230% | 5,290 |
| Total domestic deposits to total assets | 86.5537% | 2,398 |
| Equity capital to assets | 11.7101% | 2,237 |
| Core capital (leverage) ratio | 12.0485% | 1,626 |
| Tier 1 risk-based capital ratio | 14.7512% | 3,505 |
| Total risk-based capital ratio | 15.7274% | 3,577 |
| Memoranda: | ||
| Average total assets | $135,629,330 | 3,864 |
| Average earning assets | $127,763,330 | 3,809 |
| Average equity | $16,063,670 | 3,711 |
| Average total loans | $67,690,670 | 4,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5913% | 4,715 |
| Cost of funding earning assets | 0.2867% | 4,592 |
| Net interest margin | 3.3046% | 4,194 |
| Noninterest income to average assets | 0.7696% | 1,828 |
| Noninterest expense to average assets | 2.9090% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9776% | 2,350 |
| Return on assets (ROA) | 0.9776% | 2,485 |
| Pretax return on assets | 0.9776% | 3,571 |
| Return on Equity (ROE) | 8.2068% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.9368% | 2,537 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8471% | 2,680 |
| Assets per employee ($millions) | 4.2794% | 3,415 |
| Cash dividends to net income (ytd only)* | 27.6596% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,969 |
| Loan loss allowance to noncurrent loans | 36.0666% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.2994% | 529 |
| Noncurrent loans to loans | 4.4943% | 349 |
| Net loans and leases to total assets | 50.5084% | 4,793 |
| Net loans and leases to deposits | 58.7294% | 4,859 |
| Net loans and leases to core deposits | 59.2393% | 5,057 |
| Total domestic deposits to total assets | 86.0019% | 2,938 |
| Equity capital to assets | 12.2169% | 1,882 |
| Core capital (leverage) ratio | 11.9862% | 1,646 |
| Tier 1 risk-based capital ratio | 14.7860% | 3,550 |
| Total risk-based capital ratio | 15.8095% | 3,613 |
| Memoranda: | ||
| Average total assets | $134,614,500 | 3,911 |
| Average earning assets | $126,974,000 | 3,847 |
| Average equity | $16,035,500 | 3,740 |
| Average total loans | $67,728,000 | 4,237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 5,004 |
| Cost of funding earning assets | 0.3274% | 4,522 |
| Net interest margin | 3.3016% | 4,556 |
| Noninterest income to average assets | 0.6743% | 2,434 |
| Noninterest expense to average assets | 2.8966% | 3,164 |
| Loan and lease loss provision to assets | 0.0452% | 3,675 |
| Net operating income to assets | 0.8444% | 3,147 |
| Return on assets (ROA) | 0.8391% | 3,272 |
| Pretax return on assets | 0.8391% | 4,114 |
| Return on Equity (ROE) | 7.1313% | 3,558 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,440 |
| Net charge-offs to loans | 0.0059% | 4,814 |
| Credit loss provision to net charge-offs | 1,500.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 295.5000% | 188 |
| Efficiency ratio | 75.9889% | 2,513 |
| Assets per employee ($millions) | 4.2678% | 3,424 |
| Cash dividends to net income (ytd only)* | 64.5740% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 1,958 |
| Loan loss allowance to noncurrent loans | 35.9844% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 3.2431% | 592 |
| Noncurrent loans to loans | 4.5555% | 358 |
| Net loans and leases to total assets | 48.5055% | 5,113 |
| Net loans and leases to deposits | 55.9504% | 5,188 |
| Net loans and leases to core deposits | 56.7066% | 5,336 |
| Total domestic deposits to total assets | 86.6938% | 2,453 |
| Equity capital to assets | 11.6162% | 2,328 |
| Core capital (leverage) ratio | 11.7874% | 1,774 |
| Tier 1 risk-based capital ratio | 14.5853% | 3,730 |
| Total risk-based capital ratio | 15.6102% | 3,796 |
| Memoranda: | ||
| Average total assets | $132,880,800 | 3,925 |
| Average earning assets | $125,243,200 | 3,858 |
| Average equity | $15,635,400 | 3,730 |
| Average total loans | $67,298,600 | 4,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,991 |
| Cost of funding earning assets | 0.3381% | 4,489 |
| Net interest margin | 3.3153% | 4,551 |
| Noninterest income to average assets | 0.6729% | 2,464 |
| Noninterest expense to average assets | 2.9220% | 3,045 |
| Loan and lease loss provision to assets | 0.0455% | 3,482 |
| Net operating income to assets | 0.8265% | 3,306 |
| Return on assets (ROA) | 0.8194% | 3,439 |
| Pretax return on assets | 0.8194% | 4,289 |
| Return on Equity (ROE) | 6.9412% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.1280% | 2,326 |
| Net charge-offs to loans | 0.0139% | 4,275 |
| Credit loss provision to net charge-offs | 642.8571% | 463 |
| Earnings coverage of net charge-offs (x) | 123.3269% | 482 |
| Efficiency ratio | 76.3249% | 2,438 |
| Assets per employee ($millions) | 3.9822% | 3,930 |
| Cash dividends to net income (ytd only)* | 11.7136% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 2,215 |
| Loan loss allowance to noncurrent loans | 38.1722% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 3.6381% | 574 |
| Noncurrent loans to loans | 4.2552% | 473 |
| Net loans and leases to total assets | 50.0510% | 5,003 |
| Net loans and leases to deposits | 58.2463% | 5,086 |
| Net loans and leases to core deposits | 59.2196% | 5,248 |
| Total domestic deposits to total assets | 85.9300% | 2,879 |
| Equity capital to assets | 12.2042% | 1,908 |
| Core capital (leverage) ratio | 12.0768% | 1,655 |
| Tier 1 risk-based capital ratio | 15.1362% | 3,510 |
| Total risk-based capital ratio | 16.1616% | 3,569 |
| Memoranda: | ||
| Average total assets | $131,959,000 | 3,969 |
| Average earning assets | $124,227,500 | 3,908 |
| Average equity | $15,578,250 | 3,755 |
| Average total loans | $67,286,500 | 4,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 5,078 |
| Cost of funding earning assets | 0.3408% | 4,527 |
| Net interest margin | 3.2859% | 4,643 |
| Noninterest income to average assets | 0.6917% | 2,325 |
| Noninterest expense to average assets | 2.9332% | 3,054 |
| Loan and lease loss provision to assets | 0.0454% | 3,409 |
| Net operating income to assets | 0.8067% | 3,288 |
| Return on assets (ROA) | 0.8067% | 3,394 |
| Pretax return on assets | 0.8067% | 4,238 |
| Return on Equity (ROE) | 6.9109% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.9109% | 1,809 |
| Net charge-offs to loans | -0.0030% | 5,091 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6893% | 2,509 |
| Assets per employee ($millions) | 4.2853% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 2,485 |
| Loan loss allowance to noncurrent loans | 34.8402% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.9355% | 549 |
| Noncurrent loans to loans | 4.5766% | 473 |
| Net loans and leases to total assets | 50.1283% | 4,951 |
| Net loans and leases to deposits | 58.0763% | 5,036 |
| Net loans and leases to core deposits | 59.0302% | 5,200 |
| Total domestic deposits to total assets | 86.3147% | 2,869 |
| Equity capital to assets | 11.9231% | 2,047 |
| Core capital (leverage) ratio | 12.0771% | 1,619 |
| Tier 1 risk-based capital ratio | 14.8348% | 3,728 |
| Total risk-based capital ratio | 15.8469% | 3,820 |
| Memoranda: | ||
| Average total assets | $132,140,670 | 3,989 |
| Average earning assets | $124,408,670 | 3,926 |
| Average equity | $15,425,000 | 3,785 |
| Average total loans | $67,428,670 | 4,315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 5,197 |
| Cost of funding earning assets | 0.3578% | 4,461 |
| Net interest margin | 3.2330% | 4,806 |
| Noninterest income to average assets | 0.7254% | 2,052 |
| Noninterest expense to average assets | 2.9775% | 2,955 |
| Loan and lease loss provision to assets | 0.0455% | 3,189 |
| Net operating income to assets | 0.7466% | 3,442 |
| Return on assets (ROA) | 0.7466% | 3,525 |
| Pretax return on assets | 0.7466% | 4,325 |
| Return on Equity (ROE) | 6.4660% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.4660% | 2,309 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1804% | 2,449 |
| Assets per employee ($millions) | 4.2282% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,688 |
| Loan loss allowance to noncurrent loans | 40.7592% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 3.6697% | 691 |
| Noncurrent loans to loans | 3.9329% | 689 |
| Net loans and leases to total assets | 49.7799% | 4,933 |
| Net loans and leases to deposits | 57.8187% | 4,963 |
| Net loans and leases to core deposits | 58.7824% | 5,145 |
| Total domestic deposits to total assets | 86.0965% | 3,313 |
| Equity capital to assets | 11.7192% | 2,088 |
| Core capital (leverage) ratio | 11.8696% | 1,722 |
| Tier 1 risk-based capital ratio | 14.7475% | 3,857 |
| Total risk-based capital ratio | 15.7578% | 3,956 |
| Memoranda: | ||
| Average total assets | $131,789,500 | 4,038 |
| Average earning assets | $124,095,000 | 3,961 |
| Average equity | $15,218,000 | 3,827 |
| Average total loans | $67,307,500 | 4,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 5,095 |
| Cost of funding earning assets | 0.4053% | 4,590 |
| Net interest margin | 3.3064% | 4,642 |
| Noninterest income to average assets | 0.6197% | 2,979 |
| Noninterest expense to average assets | 2.8802% | 3,429 |
| Loan and lease loss provision to assets | 0.0625% | 3,887 |
| Net operating income to assets | 0.7665% | 3,459 |
| Return on assets (ROA) | 0.7665% | 3,556 |
| Pretax return on assets | 0.7665% | 4,273 |
| Return on Equity (ROE) | 6.6641% | 3,739 |
| Retained earnings to average equity (ytd only) | -0.0786% | 5,883 |
| Net charge-offs to loans | 0.1631% | 3,182 |
| Credit loss provision to net charge-offs | 74.1071% | 3,196 |
| Earnings coverage of net charge-offs (x) | 9.8304% | 2,456 |
| Efficiency ratio | 76.8575% | 2,644 |
| Assets per employee ($millions) | 4.2743% | 3,309 |
| Cash dividends to net income (ytd only)* | 101.1788% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,036 |
| Loan loss allowance to noncurrent loans | 45.3091% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 3.4414% | 864 |
| Noncurrent loans to loans | 3.3864% | 948 |
| Net loans and leases to total assets | 50.7570% | 4,995 |
| Net loans and leases to deposits | 58.6785% | 5,063 |
| Net loans and leases to core deposits | 59.6465% | 5,243 |
| Total domestic deposits to total assets | 86.5000% | 2,988 |
| Equity capital to assets | 11.3770% | 2,258 |
| Core capital (leverage) ratio | 11.4941% | 1,965 |
| Tier 1 risk-based capital ratio | 14.5938% | 3,906 |
| Total risk-based capital ratio | 15.5960% | 3,998 |
| Memoranda: | ||
| Average total assets | $132,803,200 | 4,017 |
| Average earning assets | $124,092,200 | 3,970 |
| Average equity | $15,275,800 | 3,814 |
| Average total loans | $68,656,800 | 4,318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 5,244 |
| Cost of funding earning assets | 0.4143% | 4,683 |
| Net interest margin | 3.2586% | 4,799 |
| Noninterest income to average assets | 0.6372% | 2,940 |
| Noninterest expense to average assets | 2.8737% | 3,396 |
| Loan and lease loss provision to assets | 0.0672% | 3,710 |
| Net operating income to assets | 0.7345% | 3,676 |
| Return on assets (ROA) | 0.7345% | 3,808 |
| Pretax return on assets | 0.7345% | 4,558 |
| Return on Equity (ROE) | 6.3681% | 4,000 |
| Retained earnings to average equity (ytd only) | 1.7573% | 5,259 |
| Net charge-offs to loans | 0.2153% | 2,537 |
| Credit loss provision to net charge-offs | 60.3604% | 3,291 |
| Earnings coverage of net charge-offs (x) | 7.1980% | 2,829 |
| Efficiency ratio | 77.3956% | 2,497 |
| Assets per employee ($millions) | 4.2860% | 3,259 |
| Cash dividends to net income (ytd only)* | 72.4041% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 3,386 |
| Loan loss allowance to noncurrent loans | 47.9128% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 3.3876% | 1,017 |
| Noncurrent loans to loans | 3.1668% | 1,243 |
| Net loans and leases to total assets | 50.4633% | 5,083 |
| Net loans and leases to deposits | 58.5204% | 5,133 |
| Net loans and leases to core deposits | 59.4909% | 5,344 |
| Total domestic deposits to total assets | 86.2319% | 3,116 |
| Equity capital to assets | 11.5162% | 2,294 |
| Core capital (leverage) ratio | 11.6435% | 1,918 |
| Tier 1 risk-based capital ratio | 14.7203% | 3,934 |
| Total risk-based capital ratio | 15.7035% | 4,064 |
| Memoranda: | ||
| Average total assets | $132,878,000 | 4,057 |
| Average earning assets | $123,896,500 | 4,003 |
| Average equity | $15,326,000 | 3,854 |
| Average total loans | $68,745,250 | 4,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 5,086 |
| Cost of funding earning assets | 0.4230% | 4,730 |
| Net interest margin | 3.2955% | 4,606 |
| Noninterest income to average assets | 0.6863% | 2,709 |
| Noninterest expense to average assets | 2.9575% | 3,138 |
| Loan and lease loss provision to assets | 0.0783% | 3,497 |
| Net operating income to assets | 0.7224% | 3,707 |
| Return on assets (ROA) | 0.7224% | 3,874 |
| Pretax return on assets | 0.7224% | 4,601 |
| Return on Equity (ROE) | 6.2605% | 4,010 |
| Retained earnings to average equity (ytd only) | 0.6521% | 5,641 |
| Net charge-offs to loans | 0.3364% | 1,840 |
| Credit loss provision to net charge-offs | 44.8276% | 3,327 |
| Earnings coverage of net charge-offs (x) | 4.5862% | 3,093 |
| Efficiency ratio | 77.8935% | 2,477 |
| Assets per employee ($millions) | 4.1835% | 3,397 |
| Cash dividends to net income (ytd only)* | 89.5833% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 3,798 |
| Loan loss allowance to noncurrent loans | 49.9753% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 3.5235% | 1,090 |
| Noncurrent loans to loans | 2.9071% | 1,544 |
| Net loans and leases to total assets | 51.3285% | 4,950 |
| Net loans and leases to deposits | 59.6300% | 5,012 |
| Net loans and leases to core deposits | 60.6184% | 5,213 |
| Total domestic deposits to total assets | 86.0784% | 3,317 |
| Equity capital to assets | 11.3826% | 2,396 |
| Core capital (leverage) ratio | 11.5620% | 1,884 |
| Tier 1 risk-based capital ratio | 14.1926% | 4,298 |
| Total risk-based capital ratio | 15.1321% | 4,477 |
| Memoranda: | ||
| Average total assets | $132,882,330 | 4,080 |
| Average earning assets | $123,865,000 | 4,035 |
| Average equity | $15,334,330 | 3,886 |
| Average total loans | $68,966,670 | 4,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 5,244 |
| Cost of funding earning assets | 0.4389% | 4,715 |
| Net interest margin | 3.2346% | 4,784 |
| Noninterest income to average assets | 0.7040% | 2,569 |
| Noninterest expense to average assets | 3.0184% | 2,928 |
| Loan and lease loss provision to assets | 0.0453% | 3,852 |
| Net operating income to assets | 0.6466% | 3,979 |
| Return on assets (ROA) | 0.6466% | 4,137 |
| Pretax return on assets | 0.6466% | 4,787 |
| Return on Equity (ROE) | 5.5648% | 4,282 |
| Retained earnings to average equity (ytd only) | 0.8841% | 5,494 |
| Net charge-offs to loans | 0.3966% | 1,462 |
| Credit loss provision to net charge-offs | 22.0588% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.3676% | 2,779 |
| Efficiency ratio | 80.5375% | 2,243 |
| Assets per employee ($millions) | 4.1622% | 3,607 |
| Cash dividends to net income (ytd only)* | 84.1121% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 3,753 |
| Loan loss allowance to noncurrent loans | 49.7329% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 3.7045% | 1,121 |
| Noncurrent loans to loans | 3.0483% | 1,637 |
| Net loans and leases to total assets | 49.9448% | 5,004 |
| Net loans and leases to deposits | 58.1115% | 5,019 |
| Net loans and leases to core deposits | 59.3533% | 5,210 |
| Total domestic deposits to total assets | 85.9465% | 3,553 |
| Equity capital to assets | 11.5533% | 2,365 |
| Core capital (leverage) ratio | 11.7308% | 1,725 |
| Tier 1 risk-based capital ratio | 14.5382% | 4,148 |
| Total risk-based capital ratio | 15.5126% | 4,288 |
| Memoranda: | ||
| Average total assets | $132,388,000 | 4,131 |
| Average earning assets | $123,044,000 | 4,090 |
| Average equity | $15,382,500 | 3,924 |
| Average total loans | $68,586,500 | 4,393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 4,219 |
| Cost of funding earning assets | 0.5788% | 4,554 |
| Net interest margin | 3.7124% | 3,594 |
| Noninterest income to average assets | 0.5243% | 3,750 |
| Noninterest expense to average assets | 2.8775% | 3,727 |
| Loan and lease loss provision to assets | 0.2307% | 2,826 |
| Net operating income to assets | 0.8504% | 3,040 |
| Return on assets (ROA) | 0.8504% | 3,291 |
| Pretax return on assets | 0.8504% | 4,103 |
| Return on Equity (ROE) | 7.0446% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.1681% | 4,705 |
| Net charge-offs to loans | 0.3180% | 3,053 |
| Credit loss provision to net charge-offs | 134.2593% | 2,081 |
| Earnings coverage of net charge-offs (x) | 6.2917% | 2,839 |
| Efficiency ratio | 71.9051% | 3,428 |
| Assets per employee ($millions) | 3.9874% | 3,977 |
| Cash dividends to net income (ytd only)* | 69.2236% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,538 |
| Loan loss allowance to noncurrent loans | 45.8884% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 4.1152% | 1,029 |
| Noncurrent loans to loans | 3.3708% | 1,498 |
| Net loans and leases to total assets | 52.0956% | 4,912 |
| Net loans and leases to deposits | 60.6315% | 4,954 |
| Net loans and leases to core deposits | 61.9437% | 5,163 |
| Total domestic deposits to total assets | 85.9216% | 3,391 |
| Equity capital to assets | 11.6860% | 2,283 |
| Core capital (leverage) ratio | 11.8218% | 1,654 |
| Tier 1 risk-based capital ratio | 14.4426% | 4,074 |
| Total risk-based capital ratio | 15.4637% | 4,189 |
| Memoranda: | ||
| Average total assets | $125,700,000 | 4,232 |
| Average earning assets | $116,284,400 | 4,204 |
| Average equity | $15,174,800 | 3,924 |
| Average total loans | $67,924,000 | 4,425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 4,156 |
| Cost of funding earning assets | 0.6164% | 4,487 |
| Net interest margin | 3.7586% | 3,510 |
| Noninterest income to average assets | 0.5109% | 3,852 |
| Noninterest expense to average assets | 2.8699% | 3,713 |
| Loan and lease loss provision to assets | 0.2469% | 2,590 |
| Net operating income to assets | 0.8693% | 3,132 |
| Return on assets (ROA) | 0.8693% | 3,377 |
| Pretax return on assets | 0.8693% | 4,225 |
| Return on Equity (ROE) | 7.1407% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.4987% | 5,586 |
| Net charge-offs to loans | 0.4267% | 2,389 |
| Credit loss provision to net charge-offs | 106.4815% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.8149% | 3,194 |
| Efficiency ratio | 71.2170% | 3,466 |
| Assets per employee ($millions) | 3.8548% | 4,187 |
| Cash dividends to net income (ytd only)* | 79.0124% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 4,003 |
| Loan loss allowance to noncurrent loans | 41.2911% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 4.2993% | 1,090 |
| Noncurrent loans to loans | 3.6056% | 1,498 |
| Net loans and leases to total assets | 52.9012% | 4,929 |
| Net loans and leases to deposits | 61.8812% | 4,982 |
| Net loans and leases to core deposits | 63.2897% | 5,234 |
| Total domestic deposits to total assets | 85.4882% | 3,512 |
| Equity capital to assets | 11.9726% | 2,282 |
| Core capital (leverage) ratio | 12.0289% | 1,638 |
| Tier 1 risk-based capital ratio | 12.5204% | 5,624 |
| Total risk-based capital ratio | 13.3656% | 5,854 |
| Memoranda: | ||
| Average total assets | $124,228,750 | 4,307 |
| Average earning assets | $114,863,250 | 4,267 |
| Average equity | $15,124,250 | 3,971 |
| Average total loans | $67,498,250 | 4,487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 3,813 |
| Cost of funding earning assets | 0.6530% | 4,415 |
| Net interest margin | 3.8356% | 3,198 |
| Noninterest income to average assets | 0.5031% | 3,903 |
| Noninterest expense to average assets | 2.8385% | 3,871 |
| Loan and lease loss provision to assets | 0.3165% | 2,087 |
| Net operating income to assets | 0.8942% | 2,940 |
| Return on assets (ROA) | 0.8942% | 3,204 |
| Pretax return on assets | 0.8942% | 4,098 |
| Return on Equity (ROE) | 7.3033% | 3,613 |
| Retained earnings to average equity (ytd only) | 0.0133% | 6,028 |
| Net charge-offs to loans | 0.4641% | 2,211 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 4.7821% | 2,987 |
| Efficiency ratio | 69.2986% | 3,881 |
| Assets per employee ($millions) | 3.8289% | 4,248 |
| Cash dividends to net income (ytd only)* | 99.8185% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,706 |
| Loan loss allowance to noncurrent loans | 37.3477% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 4.6064% | 1,061 |
| Noncurrent loans to loans | 4.2033% | 1,300 |
| Net loans and leases to total assets | 53.3238% | 4,912 |
| Net loans and leases to deposits | 62.8904% | 4,892 |
| Net loans and leases to core deposits | 64.7022% | 5,132 |
| Total domestic deposits to total assets | 84.7884% | 3,953 |
| Equity capital to assets | 12.2930% | 1,938 |
| Core capital (leverage) ratio | 12.1133% | 1,542 |
| Tier 1 risk-based capital ratio | 11.1983% | 6,406 |
| Total risk-based capital ratio | 11.9821% | 6,591 |
| Memoranda: | ||
| Average total assets | $123,236,000 | 4,345 |
| Average earning assets | $113,932,330 | 4,309 |
| Average equity | $15,089,000 | 3,971 |
| Average total loans | $67,227,330 | 4,513 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 3,713 |
| Cost of funding earning assets | 0.6856% | 4,405 |
| Net interest margin | 3.8653% | 3,076 |
| Noninterest income to average assets | 0.4855% | 4,018 |
| Noninterest expense to average assets | 2.8351% | 3,879 |
| Loan and lease loss provision to assets | 0.3398% | 1,839 |
| Net operating income to assets | 0.8868% | 2,985 |
| Return on assets (ROA) | 0.8868% | 3,206 |
| Pretax return on assets | 0.8868% | 4,078 |
| Return on Equity (ROE) | 7.2571% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.6951% | 5,384 |
| Net charge-offs to loans | -0.0355% | 6,403 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0040% | 3,981 |
| Assets per employee ($millions) | 3.8634% | 4,272 |
| Cash dividends to net income (ytd only)* | 76.6423% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 3,497 |
| Loan loss allowance to noncurrent loans | 34.6501% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 5.1218% | 1,003 |
| Noncurrent loans to loans | 4.7906% | 1,184 |
| Net loans and leases to total assets | 53.3823% | 4,824 |
| Net loans and leases to deposits | 62.9210% | 4,780 |
| Net loans and leases to core deposits | 64.7064% | 5,041 |
| Total domestic deposits to total assets | 84.8401% | 4,107 |
| Equity capital to assets | 12.2350% | 1,887 |
| Core capital (leverage) ratio | 12.2973% | 1,437 |
| Tier 1 risk-based capital ratio | 11.8923% | 6,032 |
| Total risk-based capital ratio | 12.7790% | 6,246 |
| Memoranda: | ||
| Average total assets | $123,591,500 | 4,358 |
| Average earning assets | $114,350,500 | 4,326 |
| Average equity | $15,102,500 | 3,971 |
| Average total loans | $67,652,500 | 4,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 5,388 |
| Cost of funding earning assets | 0.8127% | 4,770 |
| Net interest margin | 3.5953% | 4,753 |
| Noninterest income to average assets | 0.6500% | 2,886 |
| Noninterest expense to average assets | 2.7778% | 4,436 |
| Loan and lease loss provision to assets | 0.5450% | 1,919 |
| Net operating income to assets | 0.6460% | 3,755 |
| Return on assets (ROA) | 0.6460% | 3,951 |
| Pretax return on assets | 0.6460% | 4,527 |
| Return on Equity (ROE) | 5.1620% | 4,312 |
| Retained earnings to average equity (ytd only) | -5.2965% | 6,469 |
| Net charge-offs to loans | 1.1944% | 1,409 |
| Credit loss provision to net charge-offs | 81.0489% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.7712% | 4,451 |
| Efficiency ratio | 69.2044% | 4,109 |
| Assets per employee ($millions) | 3.7441% | 4,452 |
| Cash dividends to net income (ytd only)* | 202.6055% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 4,146 |
| Loan loss allowance to noncurrent loans | 29.9046% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 5.3693% | 962 |
| Noncurrent loans to loans | 4.9182% | 1,158 |
| Net loans and leases to total assets | 54.3827% | 4,980 |
| Net loans and leases to deposits | 64.0528% | 5,001 |
| Net loans and leases to core deposits | 65.8564% | 5,263 |
| Total domestic deposits to total assets | 84.9030% | 3,901 |
| Equity capital to assets | 12.2044% | 1,965 |
| Core capital (leverage) ratio | 11.9595% | 1,615 |
| Tier 1 risk-based capital ratio | 13.0107% | 5,062 |
| Total risk-based capital ratio | 13.8885% | 5,329 |
| Memoranda: | ||
| Average total assets | $124,773,200 | 4,280 |
| Average earning assets | $115,178,400 | 4,256 |
| Average equity | $15,614,000 | 3,788 |
| Average total loans | $70,241,600 | 4,482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 5,442 |
| Cost of funding earning assets | 0.8364% | 4,885 |
| Net interest margin | 3.6094% | 4,732 |
| Noninterest income to average assets | 0.6652% | 2,798 |
| Noninterest expense to average assets | 2.7950% | 4,362 |
| Loan and lease loss provision to assets | 0.4370% | 2,294 |
| Net operating income to assets | 0.7590% | 3,347 |
| Return on assets (ROA) | 0.7590% | 3,509 |
| Pretax return on assets | 0.7590% | 4,283 |
| Return on Equity (ROE) | 6.0282% | 4,010 |
| Retained earnings to average equity (ytd only) | -7.7893% | 6,754 |
| Net charge-offs to loans | 0.8800% | 1,814 |
| Credit loss provision to net charge-offs | 87.7944% | 3,860 |
| Earnings coverage of net charge-offs (x) | 2.4026% | 3,922 |
| Efficiency ratio | 69.2575% | 4,082 |
| Assets per employee ($millions) | 3.8191% | 4,265 |
| Cash dividends to net income (ytd only)* | 229.2139% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,695 |
| Loan loss allowance to noncurrent loans | 32.5287% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 5.3511% | 1,054 |
| Noncurrent loans to loans | 4.9002% | 1,286 |
| Net loans and leases to total assets | 54.1287% | 5,142 |
| Net loans and leases to deposits | 63.6484% | 5,216 |
| Net loans and leases to core deposits | 65.4429% | 5,476 |
| Total domestic deposits to total assets | 85.0434% | 3,750 |
| Equity capital to assets | 11.8979% | 2,335 |
| Core capital (leverage) ratio | 11.6783% | 1,906 |
| Tier 1 risk-based capital ratio | 13.0895% | 5,028 |
| Total risk-based capital ratio | 14.0692% | 5,215 |
| Memoranda: | ||
| Average total assets | $125,078,000 | 4,296 |
| Average earning assets | $115,252,000 | 4,276 |
| Average equity | $15,747,750 | 3,781 |
| Average total loans | $70,753,250 | 4,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 5,378 |
| Cost of funding earning assets | 0.8562% | 5,014 |
| Net interest margin | 3.6376% | 4,572 |
| Noninterest income to average assets | 0.7166% | 2,449 |
| Noninterest expense to average assets | 2.7717% | 4,540 |
| Loan and lease loss provision to assets | 0.5130% | 1,914 |
| Net operating income to assets | 0.7759% | 3,171 |
| Return on assets (ROA) | 0.7759% | 3,305 |
| Pretax return on assets | 0.7759% | 4,116 |
| Return on Equity (ROE) | 6.0505% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.0879% | 2,950 |
| Net charge-offs to loans | 0.9125% | 1,705 |
| Credit loss provision to net charge-offs | 98.4615% | 3,204 |
| Earnings coverage of net charge-offs (x) | 2.4738% | 3,584 |
| Efficiency ratio | 67.4694% | 4,611 |
| Assets per employee ($millions) | 3.7722% | 4,267 |
| Cash dividends to net income (ytd only)* | 15.9091% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 3,594 |
| Loan loss allowance to noncurrent loans | 42.5211% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 4.7621% | 1,305 |
| Noncurrent loans to loans | 3.8261% | 1,817 |
| Net loans and leases to total assets | 56.1996% | 4,963 |
| Net loans and leases to deposits | 67.1753% | 4,827 |
| Net loans and leases to core deposits | 69.3295% | 5,147 |
| Total domestic deposits to total assets | 83.6612% | 4,482 |
| Equity capital to assets | 13.0725% | 1,485 |
| Core capital (leverage) ratio | 13.0121% | 1,160 |
| Tier 1 risk-based capital ratio | 14.7160% | 3,663 |
| Total risk-based capital ratio | 15.7748% | 3,748 |
| Memoranda: | ||
| Average total assets | $124,760,330 | 4,330 |
| Average earning assets | $114,692,000 | 4,313 |
| Average equity | $15,998,670 | 3,735 |
| Average total loans | $71,229,670 | 4,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 5,561 |
| Cost of funding earning assets | 0.8695% | 5,141 |
| Net interest margin | 3.5685% | 4,729 |
| Noninterest income to average assets | 0.4868% | 3,998 |
| Noninterest expense to average assets | 2.9144% | 4,003 |
| Loan and lease loss provision to assets | 0.2882% | 2,842 |
| Net operating income to assets | 0.5701% | 4,181 |
| Return on assets (ROA) | 0.5701% | 4,258 |
| Pretax return on assets | 0.5701% | 4,801 |
| Return on Equity (ROE) | 4.4889% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.4889% | 3,481 |
| Net charge-offs to loans | 1.8012% | 721 |
| Credit loss provision to net charge-offs | 28.0374% | 4,150 |
| Earnings coverage of net charge-offs (x) | 0.8349% | 4,014 |
| Efficiency ratio | 76.4007% | 3,092 |
| Assets per employee ($millions) | 3.8281% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 5,036 |
| Loan loss allowance to noncurrent loans | 35.0132% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 5.2613% | 1,180 |
| Noncurrent loans to loans | 3.7687% | 1,951 |
| Net loans and leases to total assets | 56.8356% | 4,839 |
| Net loans and leases to deposits | 67.9554% | 4,684 |
| Net loans and leases to core deposits | 70.1562% | 5,023 |
| Total domestic deposits to total assets | 83.6366% | 4,649 |
| Equity capital to assets | 13.0254% | 1,368 |
| Core capital (leverage) ratio | 12.8942% | 1,161 |
| Tier 1 risk-based capital ratio | 15.1293% | 3,357 |
| Total risk-based capital ratio | 16.0185% | 3,532 |
| Memoranda: | ||
| Average total assets | $124,899,000 | 4,360 |
| Average earning assets | $115,007,000 | 4,323 |
| Average equity | $15,861,500 | 3,744 |
| Average total loans | $71,286,500 | 4,571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 5,312 |
| Cost of funding earning assets | 1.0523% | 5,419 |
| Net interest margin | 3.7782% | 4,039 |
| Noninterest income to average assets | 0.4514% | 4,502 |
| Noninterest expense to average assets | 2.8805% | 4,311 |
| Loan and lease loss provision to assets | 0.4185% | 3,597 |
| Net operating income to assets | 0.6204% | 3,581 |
| Return on assets (ROA) | 0.6204% | 3,747 |
| Pretax return on assets | 0.6204% | 4,258 |
| Return on Equity (ROE) | 4.7979% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.1233% | 4,985 |
| Net charge-offs to loans | 0.9618% | 2,252 |
| Credit loss provision to net charge-offs | 73.2759% | 5,783 |
| Earnings coverage of net charge-offs (x) | 1.8190% | 4,359 |
| Efficiency ratio | 72.5921% | 3,682 |
| Assets per employee ($millions) | 3.9781% | 3,831 |
| Cash dividends to net income (ytd only)* | 76.5873% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,527 |
| Loan loss allowance to noncurrent loans | 49.9355% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 5.1807% | 1,216 |
| Noncurrent loans to loans | 3.2311% | 2,346 |
| Net loans and leases to total assets | 55.6619% | 5,393 |
| Net loans and leases to deposits | 65.9264% | 5,412 |
| Net loans and leases to core deposits | 67.9442% | 5,665 |
| Total domestic deposits to total assets | 84.4304% | 4,157 |
| Equity capital to assets | 12.3858% | 1,703 |
| Core capital (leverage) ratio | 12.5692% | 1,287 |
| Tier 1 risk-based capital ratio | 14.9934% | 3,256 |
| Total risk-based capital ratio | 16.1064% | 3,293 |
| Memoranda: | ||
| Average total assets | $121,855,800 | 4,449 |
| Average earning assets | $111,851,800 | 4,427 |
| Average equity | $15,757,000 | 3,812 |
| Average total loans | $72,363,400 | 4,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 5,393 |
| Cost of funding earning assets | 1.0883% | 5,493 |
| Net interest margin | 3.7826% | 4,045 |
| Noninterest income to average assets | 0.5101% | 4,098 |
| Noninterest expense to average assets | 2.9146% | 4,030 |
| Loan and lease loss provision to assets | 0.2324% | 4,747 |
| Net operating income to assets | 0.8321% | 2,875 |
| Return on assets (ROA) | 0.8321% | 3,010 |
| Pretax return on assets | 0.8321% | 3,794 |
| Return on Equity (ROE) | 6.3641% | 3,642 |
| Retained earnings to average equity (ytd only) | 1.4641% | 5,213 |
| Net charge-offs to loans | 0.4122% | 3,646 |
| Credit loss provision to net charge-offs | 93.7500% | 4,624 |
| Earnings coverage of net charge-offs (x) | 4.2946% | 3,118 |
| Efficiency ratio | 72.3304% | 3,639 |
| Assets per employee ($millions) | 3.8313% | 4,192 |
| Cash dividends to net income (ytd only)* | 76.9947% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 2,642 |
| Loan loss allowance to noncurrent loans | 44.7051% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 5.1354% | 1,247 |
| Noncurrent loans to loans | 4.1273% | 1,787 |
| Net loans and leases to total assets | 57.8829% | 5,281 |
| Net loans and leases to deposits | 69.1963% | 5,248 |
| Net loans and leases to core deposits | 71.4350% | 5,581 |
| Total domestic deposits to total assets | 83.6502% | 4,293 |
| Equity capital to assets | 12.9208% | 1,621 |
| Core capital (leverage) ratio | 12.9463% | 1,252 |
| Tier 1 risk-based capital ratio | 15.3206% | 3,091 |
| Total risk-based capital ratio | 16.5715% | 3,051 |
| Memoranda: | ||
| Average total assets | $120,495,000 | 4,532 |
| Average earning assets | $110,503,500 | 4,520 |
| Average equity | $15,754,500 | 3,852 |
| Average total loans | $72,449,500 | 4,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 5,372 |
| Cost of funding earning assets | 1.1197% | 5,571 |
| Net interest margin | 3.7828% | 3,975 |
| Noninterest income to average assets | 0.5827% | 3,462 |
| Noninterest expense to average assets | 2.9551% | 3,874 |
| Loan and lease loss provision to assets | 0.2504% | 4,420 |
| Net operating income to assets | 0.8348% | 2,804 |
| Return on assets (ROA) | 0.8348% | 2,957 |
| Pretax return on assets | 0.8348% | 3,760 |
| Return on Equity (ROE) | 6.3590% | 3,616 |
| Retained earnings to average equity (ytd only) | -1.0047% | 5,969 |
| Net charge-offs to loans | 0.4386% | 3,230 |
| Credit loss provision to net charge-offs | 94.3396% | 4,289 |
| Earnings coverage of net charge-offs (x) | 4.0881% | 3,058 |
| Efficiency ratio | 72.2314% | 3,777 |
| Assets per employee ($millions) | 3.5927% | 4,716 |
| Cash dividends to net income (ytd only)* | 115.8000% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 2,592 |
| Loan loss allowance to noncurrent loans | 41.3144% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 5.5525% | 1,104 |
| Noncurrent loans to loans | 4.4612% | 1,636 |
| Net loans and leases to total assets | 60.1459% | 5,029 |
| Net loans and leases to deposits | 72.1335% | 4,970 |
| Net loans and leases to core deposits | 74.7153% | 5,364 |
| Total domestic deposits to total assets | 83.3814% | 4,399 |
| Equity capital to assets | 13.1478% | 1,500 |
| Core capital (leverage) ratio | 13.0415% | 1,195 |
| Tier 1 risk-based capital ratio | 15.3214% | 2,994 |
| Total risk-based capital ratio | 16.5728% | 2,956 |
| Memoranda: | ||
| Average total assets | $119,793,000 | 4,571 |
| Average earning assets | $109,496,330 | 4,569 |
| Average equity | $15,725,670 | 3,848 |
| Average total loans | $72,499,670 | 4,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 5,788 |
| Cost of funding earning assets | 1.1490% | 5,666 |
| Net interest margin | 3.6761% | 4,365 |
| Noninterest income to average assets | 0.7176% | 2,485 |
| Noninterest expense to average assets | 3.0097% | 3,644 |
| Loan and lease loss provision to assets | 0.2491% | 4,056 |
| Net operating income to assets | 0.8172% | 2,894 |
| Return on assets (ROA) | 0.8172% | 2,989 |
| Pretax return on assets | 0.8172% | 3,799 |
| Return on Equity (ROE) | 6.2300% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.2300% | 2,508 |
| Net charge-offs to loans | 0.3921% | 2,869 |
| Credit loss provision to net charge-offs | 105.6338% | 3,248 |
| Earnings coverage of net charge-offs (x) | 4.5211% | 2,614 |
| Efficiency ratio | 72.9421% | 3,769 |
| Assets per employee ($millions) | 3.6335% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,498 |
| Loan loss allowance to noncurrent loans | 33.4985% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 5.7195% | 1,066 |
| Noncurrent loans to loans | 5.6252% | 1,221 |
| Net loans and leases to total assets | 58.7098% | 5,319 |
| Net loans and leases to deposits | 70.6674% | 5,243 |
| Net loans and leases to core deposits | 72.9886% | 5,610 |
| Total domestic deposits to total assets | 83.0791% | 4,582 |
| Equity capital to assets | 13.2722% | 1,410 |
| Core capital (leverage) ratio | 13.1516% | 1,172 |
| Tier 1 risk-based capital ratio | 15.7132% | 2,770 |
| Total risk-based capital ratio | 16.9649% | 2,720 |
| Memoranda: | ||
| Average total assets | $120,409,500 | 4,618 |
| Average earning assets | $110,006,500 | 4,611 |
| Average equity | $15,794,500 | 3,870 |
| Average total loans | $72,425,500 | 4,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 4,104 |
| Cost of funding earning assets | 1.3617% | 6,086 |
| Net interest margin | 4.1459% | 2,264 |
| Noninterest income to average assets | 0.7375% | 2,750 |
| Noninterest expense to average assets | 2.9692% | 4,269 |
| Loan and lease loss provision to assets | 0.5631% | 3,557 |
| Net operating income to assets | 0.9644% | 1,968 |
| Return on assets (ROA) | 0.9644% | 2,019 |
| Pretax return on assets | 0.9644% | 2,717 |
| Return on Equity (ROE) | 7.4792% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.6130% | 2,032 |
| Net charge-offs to loans | 0.4953% | 3,785 |
| Credit loss provision to net charge-offs | 184.4262% | 2,219 |
| Earnings coverage of net charge-offs (x) | 5.0027% | 2,719 |
| Efficiency ratio | 65.2134% | 5,550 |
| Assets per employee ($millions) | 3.6641% | 4,612 |
| Cash dividends to net income (ytd only)* | 38.3218% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 2,419 |
| Loan loss allowance to noncurrent loans | 41.7467% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 5.1202% | 1,188 |
| Noncurrent loans to loans | 4.4171% | 1,619 |
| Net loans and leases to total assets | 59.3438% | 5,444 |
| Net loans and leases to deposits | 71.0678% | 5,460 |
| Net loans and leases to core deposits | 79.1142% | 6,175 |
| Total domestic deposits to total assets | 83.5032% | 4,283 |
| Equity capital to assets | 12.9638% | 1,523 |
| Core capital (leverage) ratio | 12.7808% | 1,313 |
| Tier 1 risk-based capital ratio | 15.1821% | 2,852 |
| Total risk-based capital ratio | 16.4334% | 2,811 |
| Memoranda: | ||
| Average total assets | $119,863,800 | 4,568 |
| Average earning assets | $108,685,200 | 4,607 |
| Average equity | $15,456,200 | 3,977 |
| Average total loans | $73,899,400 | 4,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 3,979 |
| Cost of funding earning assets | 1.3899% | 6,271 |
| Net interest margin | 4.1894% | 2,099 |
| Noninterest income to average assets | 0.7436% | 2,742 |
| Noninterest expense to average assets | 2.9843% | 4,110 |
| Loan and lease loss provision to assets | 0.3066% | 4,521 |
| Net operating income to assets | 1.2597% | 1,320 |
| Return on assets (ROA) | 1.2597% | 1,383 |
| Pretax return on assets | 1.2597% | 2,081 |
| Return on Equity (ROE) | 9.7824% | 2,002 |
| Retained earnings to average equity (ytd only) | 6.5446% | 1,685 |
| Net charge-offs to loans | 0.5146% | 3,153 |
| Credit loss provision to net charge-offs | 96.1538% | 5,296 |
| Earnings coverage of net charge-offs (x) | 4.9126% | 2,970 |
| Efficiency ratio | 64.7722% | 5,598 |
| Assets per employee ($millions) | 3.6172% | 4,640 |
| Cash dividends to net income (ytd only)* | 33.0970% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,880 |
| Loan loss allowance to noncurrent loans | 28.6670% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 5.5141% | 1,034 |
| Noncurrent loans to loans | 4.9257% | 1,360 |
| Net loans and leases to total assets | 60.1288% | 5,561 |
| Net loans and leases to deposits | 72.3915% | 5,588 |
| Net loans and leases to core deposits | 80.7793% | 6,285 |
| Total domestic deposits to total assets | 83.0606% | 4,192 |
| Equity capital to assets | 13.1829% | 1,630 |
| Core capital (leverage) ratio | 13.0052% | 1,375 |
| Tier 1 risk-based capital ratio | 15.3186% | 2,906 |
| Total risk-based capital ratio | 16.3368% | 2,939 |
| Memoranda: | ||
| Average total assets | $119,601,250 | 4,607 |
| Average earning assets | $108,683,500 | 4,631 |
| Average equity | $15,401,500 | 4,026 |
| Average total loans | $74,098,500 | 4,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6862% | 3,625 |
| Cost of funding earning assets | 1.4156% | 6,429 |
| Net interest margin | 4.2706% | 1,747 |
| Noninterest income to average assets | 0.7570% | 2,662 |
| Noninterest expense to average assets | 3.0431% | 3,900 |
| Loan and lease loss provision to assets | 0.2924% | 4,229 |
| Net operating income to assets | 1.3135% | 1,199 |
| Return on assets (ROA) | 1.3135% | 1,272 |
| Pretax return on assets | 1.3135% | 1,979 |
| Return on Equity (ROE) | 10.2812% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.3179% | 1,875 |
| Net charge-offs to loans | 0.7165% | 2,266 |
| Credit loss provision to net charge-offs | 65.5431% | 5,497 |
| Earnings coverage of net charge-offs (x) | 3.5993% | 3,377 |
| Efficiency ratio | 64.6657% | 5,779 |
| Assets per employee ($millions) | 3.5563% | 4,668 |
| Cash dividends to net income (ytd only)* | 38.5496% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,245 |
| Loan loss allowance to noncurrent loans | 30.4600% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 5.0622% | 1,038 |
| Noncurrent loans to loans | 4.2844% | 1,533 |
| Net loans and leases to total assets | 61.0256% | 5,515 |
| Net loans and leases to deposits | 73.6472% | 5,511 |
| Net loans and leases to core deposits | 82.1385% | 6,223 |
| Total domestic deposits to total assets | 82.8620% | 4,303 |
| Equity capital to assets | 13.1630% | 1,629 |
| Core capital (leverage) ratio | 12.6747% | 1,550 |
| Tier 1 risk-based capital ratio | 15.2630% | 2,899 |
| Total risk-based capital ratio | 16.2151% | 2,977 |
| Memoranda: | ||
| Average total assets | $119,679,330 | 4,644 |
| Average earning assets | $109,071,000 | 4,653 |
| Average equity | $15,290,000 | 4,067 |
| Average total loans | $74,530,670 | 4,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 3,797 |
| Cost of funding earning assets | 1.4600% | 6,541 |
| Net interest margin | 4.2418% | 1,770 |
| Noninterest income to average assets | 0.8375% | 2,139 |
| Noninterest expense to average assets | 2.9891% | 3,815 |
| Loan and lease loss provision to assets | 0.1986% | 4,455 |
| Net operating income to assets | 1.5061% | 925 |
| Return on assets (ROA) | 1.5061% | 994 |
| Pretax return on assets | 1.5061% | 1,651 |
| Return on Equity (ROE) | 11.9650% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.9650% | 789 |
| Net charge-offs to loans | 0.3973% | 2,507 |
| Credit loss provision to net charge-offs | 80.0000% | 4,190 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 2,427 |
| Efficiency ratio | 62.9055% | 5,888 |
| Assets per employee ($millions) | 3.6848% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,652 |
| Loan loss allowance to noncurrent loans | 25.3528% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 4.3092% | 1,146 |
| Noncurrent loans to loans | 5.4147% | 970 |
| Net loans and leases to total assets | 60.5008% | 5,574 |
| Net loans and leases to deposits | 72.6780% | 5,658 |
| Net loans and leases to core deposits | 81.4321% | 6,272 |
| Total domestic deposits to total assets | 83.2451% | 4,020 |
| Equity capital to assets | 12.6933% | 1,893 |
| Core capital (leverage) ratio | 12.6603% | 1,622 |
| Tier 1 risk-based capital ratio | 16.2438% | 2,598 |
| Total risk-based capital ratio | 17.3423% | 2,597 |
| Memoranda: | ||
| Average total assets | $120,839,500 | 4,626 |
| Average earning assets | $109,860,000 | 4,644 |
| Average equity | $15,211,000 | 4,104 |
| Average total loans | $75,513,000 | 4,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 4,691 |
| Cost of funding earning assets | 1.7691% | 7,089 |
| Net interest margin | 4.3970% | 1,694 |
| Noninterest income to average assets | 0.7836% | 2,600 |
| Noninterest expense to average assets | 2.9347% | 4,320 |
| Loan and lease loss provision to assets | 0.0516% | 6,770 |
| Net operating income to assets | 1.9017% | 428 |
| Return on assets (ROA) | 1.9017% | 417 |
| Pretax return on assets | 1.9017% | 762 |
| Return on Equity (ROE) | 15.1031% | 907 |
| Retained earnings to average equity (ytd only) | 6.1205% | 1,474 |
| Net charge-offs to loans | 0.3496% | 3,080 |
| Credit loss provision to net charge-offs | 21.8978% | 6,572 |
| Earnings coverage of net charge-offs (x) | 8.2883% | 2,906 |
| Efficiency ratio | 59.2645% | 6,483 |
| Assets per employee ($millions) | 3.5317% | 4,590 |
| Cash dividends to net income (ytd only)* | 59.4754% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,425 |
| Loan loss allowance to noncurrent loans | 61.9928% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 2,120 |
| Noncurrent loans to loans | 2.1928% | 2,520 |
| Net loans and leases to total assets | 62.7870% | 5,491 |
| Net loans and leases to deposits | 75.1535% | 5,713 |
| Net loans and leases to core deposits | 82.5178% | 6,414 |
| Total domestic deposits to total assets | 83.5450% | 3,557 |
| Equity capital to assets | 12.4810% | 2,024 |
| Core capital (leverage) ratio | 12.4302% | 1,781 |
| Tier 1 risk-based capital ratio | 16.8295% | 2,368 |
| Total risk-based capital ratio | 18.0210% | 2,327 |
| Memoranda: | ||
| Average total assets | $116,262,800 | 4,602 |
| Average earning assets | $108,529,000 | 4,546 |
| Average equity | $14,639,400 | 4,211 |
| Average total loans | $78,384,200 | 4,579 |