Home > Lewisburg Banking Company > Performance and Condition Ratios
Lewisburg Banking Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 2,267 |
| Cost of funding earning assets | 1.5357% | 3,110 |
| Net interest margin | 3.8810% | 1,511 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.6936% | 1,775 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.4278% | 1,206 |
| Return on assets (ROA) | 1.4278% | 1,207 |
| Pretax return on assets | 1.4278% | 1,669 |
| Return on Equity (ROE) | 18.6500% | 574 |
| Retained earnings to average equity (ytd only) | -7.9349% | 4,191 |
| Net charge-offs to loans | -0.0029% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.4393% | 2,429 |
| Assets per employee ($millions) | 5.5618% | 3,271 |
| Cash dividends to net income (ytd only)* | 142.5445% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,080 |
| Loan loss allowance to noncurrent loans | 405.0239% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 2,088 |
| Noncurrent loans to loans | 0.3013% | 2,412 |
| Net loans and leases to total assets | 64.8400% | 2,406 |
| Net loans and leases to deposits | 78.9309% | 2,151 |
| Net loans and leases to core deposits | 90.2409% | 2,032 |
| Total domestic deposits to total assets | 82.1500% | 3,275 |
| Equity capital to assets | 7.4683% | 3,870 |
| Core capital (leverage) ratio | 9.4542% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $204,785,000 | 2,987 |
| Average earning assets | $196,137,000 | 2,941 |
| Average equity | $15,677,500 | 3,315 |
| Average total loans | $137,863,500 | 2,871 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 2,044 |
| Cost of funding earning assets | 1.5412% | 3,279 |
| Net interest margin | 4.0041% | 1,170 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.8264% | 1,453 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.4990% | 916 |
| Return on assets (ROA) | 1.4990% | 910 |
| Pretax return on assets | 1.4990% | 1,284 |
| Return on Equity (ROE) | 18.9600% | 480 |
| Retained earnings to average equity (ytd only) | 7.7765% | 1,187 |
| Net charge-offs to loans | 0.0199% | 2,218 |
| Credit loss provision to net charge-offs | 353.8462% | 787 |
| Earnings coverage of net charge-offs (x) | 110.4615% | 757 |
| Efficiency ratio | 64.8728% | 2,619 |
| Assets per employee ($millions) | 5.2164% | 3,495 |
| Cash dividends to net income (ytd only)* | 58.9762% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,097 |
| Loan loss allowance to noncurrent loans | 249.0255% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,913 |
| Noncurrent loans to loans | 0.4869% | 1,863 |
| Net loans and leases to total assets | 68.2700% | 2,110 |
| Net loans and leases to deposits | 82.7954% | 1,886 |
| Net loans and leases to core deposits | 94.4147% | 1,816 |
| Total domestic deposits to total assets | 82.4600% | 3,157 |
| Equity capital to assets | 7.8553% | 3,596 |
| Core capital (leverage) ratio | 9.8751% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $187,657,000 | 3,075 |
| Average earning assets | $178,241,200 | 3,034 |
| Average equity | $14,839,600 | 3,342 |
| Average total loans | $130,428,800 | 2,901 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 2,132 |
| Cost of funding earning assets | 1.4554% | 3,437 |
| Net interest margin | 4.0161% | 1,120 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.7925% | 1,475 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.5458% | 884 |
| Return on assets (ROA) | 1.5458% | 880 |
| Pretax return on assets | 1.5458% | 1,242 |
| Return on Equity (ROE) | 19.5100% | 462 |
| Retained earnings to average equity (ytd only) | 4.6758% | 2,592 |
| Net charge-offs to loans | 0.0248% | 1,837 |
| Credit loss provision to net charge-offs | 245.8333% | 957 |
| Earnings coverage of net charge-offs (x) | 91.8333% | 840 |
| Efficiency ratio | 63.7440% | 2,744 |
| Assets per employee ($millions) | 5.0274% | 3,636 |
| Cash dividends to net income (ytd only)* | 76.0373% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,037 |
| Loan loss allowance to noncurrent loans | 286.9718% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 2,024 |
| Noncurrent loans to loans | 0.4297% | 2,002 |
| Net loans and leases to total assets | 68.3400% | 2,041 |
| Net loans and leases to deposits | 80.9060% | 2,096 |
| Net loans and leases to core deposits | 91.7063% | 2,028 |
| Total domestic deposits to total assets | 84.4700% | 2,459 |
| Equity capital to assets | 8.3259% | 3,510 |
| Core capital (leverage) ratio | 10.0130% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $185,015,500 | 3,093 |
| Average earning assets | $175,621,250 | 3,059 |
| Average equity | $14,656,750 | 3,356 |
| Average total loans | $128,787,250 | 2,916 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 2,118 |
| Cost of funding earning assets | 1.4346% | 3,420 |
| Net interest margin | 3.9846% | 1,131 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.7791% | 1,516 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.5398% | 857 |
| Return on assets (ROA) | 1.5398% | 864 |
| Pretax return on assets | 1.5398% | 1,208 |
| Return on Equity (ROE) | 19.7900% | 467 |
| Retained earnings to average equity (ytd only) | 1.3061% | 3,535 |
| Net charge-offs to loans | 0.0423% | 1,373 |
| Credit loss provision to net charge-offs | 162.9630% | 1,154 |
| Earnings coverage of net charge-offs (x) | 53.8148% | 1,067 |
| Efficiency ratio | 63.6386% | 2,815 |
| Assets per employee ($millions) | 4.8813% | 3,700 |
| Cash dividends to net income (ytd only)* | 93.3996% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,023 |
| Loan loss allowance to noncurrent loans | 471.3450% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,478 |
| Noncurrent loans to loans | 0.2636% | 2,429 |
| Net loans and leases to total assets | 69.0600% | 2,011 |
| Net loans and leases to deposits | 81.5754% | 2,067 |
| Net loans and leases to core deposits | 91.7179% | 2,028 |
| Total domestic deposits to total assets | 84.6600% | 2,413 |
| Equity capital to assets | 7.7433% | 3,595 |
| Core capital (leverage) ratio | 9.9315% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $183,006,333 | 3,111 |
| Average earning assets | $173,567,333 | 3,077 |
| Average equity | $14,240,333 | 3,373 |
| Average total loans | $127,655,000 | 2,923 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 2,227 |
| Cost of funding earning assets | 1.4026% | 3,389 |
| Net interest margin | 3.8785% | 1,247 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.7992% | 1,467 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.3732% | 1,102 |
| Return on assets (ROA) | 1.3732% | 1,111 |
| Pretax return on assets | 1.3732% | 1,492 |
| Return on Equity (ROE) | 17.6000% | 651 |
| Retained earnings to average equity (ytd only) | -8.8300% | 4,270 |
| Net charge-offs to loans | 0.0474% | 1,058 |
| Credit loss provision to net charge-offs | 113.3333% | 1,078 |
| Earnings coverage of net charge-offs (x) | 42.7333% | 1,016 |
| Efficiency ratio | 66.4924% | 2,559 |
| Assets per employee ($millions) | 4.7559% | 3,810 |
| Cash dividends to net income (ytd only)* | 150.1603% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 1,984 |
| Loan loss allowance to noncurrent loans | 790.5941% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,889 |
| Noncurrent loans to loans | 0.1587% | 2,824 |
| Net loans and leases to total assets | 69.5600% | 1,855 |
| Net loans and leases to deposits | 82.4456% | 1,843 |
| Net loans and leases to core deposits | 93.4681% | 1,819 |
| Total domestic deposits to total assets | 84.3700% | 2,615 |
| Equity capital to assets | 7.7312% | 3,539 |
| Core capital (leverage) ratio | 9.9269% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $181,765,000 | 3,128 |
| Average earning assets | $172,539,500 | 3,094 |
| Average equity | $14,179,000 | 3,383 |
| Average total loans | $126,623,500 | 2,933 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 2,082 |
| Cost of funding earning assets | 0.9715% | 3,365 |
| Net interest margin | 4.0218% | 1,174 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.8310% | 1,425 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5167% | 981 |
| Return on assets (ROA) | 1.5167% | 951 |
| Pretax return on assets | 1.5167% | 1,379 |
| Return on Equity (ROE) | 20.7000% | 553 |
| Retained earnings to average equity (ytd only) | 9.6741% | 1,095 |
| Net charge-offs to loans | 0.0185% | 1,987 |
| Credit loss provision to net charge-offs | 254.5455% | 1,058 |
| Earnings coverage of net charge-offs (x) | 126.1818% | 798 |
| Efficiency ratio | 64.6505% | 2,529 |
| Assets per employee ($millions) | 4.8107% | 3,770 |
| Cash dividends to net income (ytd only)* | 53.2721% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 1,939 |
| Loan loss allowance to noncurrent loans | 597.3783% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,543 |
| Noncurrent loans to loans | 0.2120% | 2,461 |
| Net loans and leases to total assets | 68.0200% | 2,033 |
| Net loans and leases to deposits | 80.8397% | 2,043 |
| Net loans and leases to core deposits | 91.2846% | 1,967 |
| Total domestic deposits to total assets | 84.1400% | 2,584 |
| Equity capital to assets | 7.8695% | 3,505 |
| Core capital (leverage) ratio | 10.2360% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $179,334,000 | 3,132 |
| Average earning assets | $169,526,600 | 3,095 |
| Average equity | $13,138,200 | 3,415 |
| Average total loans | $118,805,800 | 2,968 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 2,038 |
| Cost of funding earning assets | 0.8695% | 3,345 |
| Net interest margin | 4.0404% | 1,161 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7560% | 1,531 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6369% | 882 |
| Return on assets (ROA) | 1.6369% | 874 |
| Pretax return on assets | 1.6369% | 1,289 |
| Return on Equity (ROE) | 22.7800% | 504 |
| Retained earnings to average equity (ytd only) | 8.8670% | 1,723 |
| Net charge-offs to loans | 0.0205% | 1,711 |
| Credit loss provision to net charge-offs | 111.1111% | 1,541 |
| Earnings coverage of net charge-offs (x) | 122.8333% | 829 |
| Efficiency ratio | 62.5254% | 2,660 |
| Assets per employee ($millions) | 4.6582% | 3,844 |
| Cash dividends to net income (ytd only)* | 61.0680% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,851 |
| Loan loss allowance to noncurrent loans | 733.8028% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,762 |
| Noncurrent loans to loans | 0.1778% | 2,660 |
| Net loans and leases to total assets | 66.8100% | 2,174 |
| Net loans and leases to deposits | 78.1577% | 2,234 |
| Net loans and leases to core deposits | 87.4344% | 2,094 |
| Total domestic deposits to total assets | 85.4800% | 2,354 |
| Equity capital to assets | 7.0465% | 3,588 |
| Core capital (leverage) ratio | 10.0144% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $178,465,750 | 3,143 |
| Average earning assets | $168,824,000 | 3,112 |
| Average equity | $12,826,250 | 3,437 |
| Average total loans | $117,022,000 | 2,989 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 1,950 |
| Cost of funding earning assets | 0.7672% | 3,308 |
| Net interest margin | 4.0545% | 1,149 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.6745% | 1,703 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7267% | 745 |
| Return on assets (ROA) | 1.7267% | 749 |
| Pretax return on assets | 1.7267% | 1,155 |
| Return on Equity (ROE) | 23.8700% | 438 |
| Retained earnings to average equity (ytd only) | 7.7719% | 2,047 |
| Net charge-offs to loans | 0.0620% | 930 |
| Credit loss provision to net charge-offs | 55.5556% | 1,648 |
| Earnings coverage of net charge-offs (x) | 43.4722% | 1,358 |
| Efficiency ratio | 60.4598% | 2,901 |
| Assets per employee ($millions) | 4.6991% | 3,825 |
| Cash dividends to net income (ytd only)* | 67.4434% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 1,923 |
| Loan loss allowance to noncurrent loans | 695.9459% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 2,673 |
| Noncurrent loans to loans | 0.1871% | 2,532 |
| Net loans and leases to total assets | 65.5700% | 2,202 |
| Net loans and leases to deposits | 78.6662% | 2,071 |
| Net loans and leases to core deposits | 84.7223% | 2,164 |
| Total domestic deposits to total assets | 83.3500% | 2,973 |
| Equity capital to assets | 7.3257% | 3,622 |
| Core capital (leverage) ratio | 9.8245% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $178,951,000 | 3,145 |
| Average earning assets | $169,196,667 | 3,115 |
| Average equity | $12,944,000 | 3,440 |
| Average total loans | $116,087,667 | 2,996 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,769 |
| Cost of funding earning assets | 0.7481% | 2,898 |
| Net interest margin | 3.9875% | 1,283 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.6236% | 1,886 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.6545% | 895 |
| Return on assets (ROA) | 1.6545% | 896 |
| Pretax return on assets | 1.6545% | 1,364 |
| Return on Equity (ROE) | 23.0200% | 506 |
| Retained earnings to average equity (ytd only) | 4.8464% | 3,052 |
| Net charge-offs to loans | 0.0105% | 1,547 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 253.6667% | 422 |
| Efficiency ratio | 60.6921% | 2,859 |
| Assets per employee ($millions) | 4.9814% | 3,673 |
| Cash dividends to net income (ytd only)* | 78.9474% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,730 |
| Loan loss allowance to noncurrent loans | 604.5977% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 2,515 |
| Noncurrent loans to loans | 0.2268% | 2,358 |
| Net loans and leases to total assets | 61.5700% | 2,506 |
| Net loans and leases to deposits | 75.5273% | 2,159 |
| Net loans and leases to core deposits | 80.0975% | 2,246 |
| Total domestic deposits to total assets | 81.5200% | 3,555 |
| Equity capital to assets | 7.1146% | 3,775 |
| Core capital (leverage) ratio | 9.1432% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,144,500 | 3,185 |
| Average earning assets | $170,030,500 | 3,144 |
| Average equity | $12,875,500 | 3,487 |
| Average total loans | $114,818,000 | 3,036 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 1,864 |
| Cost of funding earning assets | 0.2333% | 3,479 |
| Net interest margin | 3.7150% | 1,344 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.6986% | 1,560 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3928% | 1,149 |
| Return on assets (ROA) | 1.3928% | 1,102 |
| Pretax return on assets | 1.3928% | 1,788 |
| Return on Equity (ROE) | 18.4600% | 637 |
| Retained earnings to average equity (ytd only) | 7.4707% | 2,041 |
| Net charge-offs to loans | -0.0092% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0515% | 2,357 |
| Assets per employee ($millions) | 4.8328% | 3,793 |
| Cash dividends to net income (ytd only)* | 59.5258% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,648 |
| Loan loss allowance to noncurrent loans | 776.1194% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,714 |
| Noncurrent loans to loans | 0.1754% | 2,606 |
| Net loans and leases to total assets | 64.9600% | 2,146 |
| Net loans and leases to deposits | 77.9823% | 1,950 |
| Net loans and leases to core deposits | 82.6573% | 1,957 |
| Total domestic deposits to total assets | 83.3000% | 3,355 |
| Equity capital to assets | 7.2641% | 3,510 |
| Core capital (leverage) ratio | 9.6916% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,611,600 | 3,227 |
| Average earning assets | $166,727,600 | 3,190 |
| Average equity | $13,251,800 | 3,551 |
| Average total loans | $108,649,600 | 3,039 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 1,814 |
| Cost of funding earning assets | 0.1843% | 3,461 |
| Net interest margin | 3.5965% | 1,397 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.6231% | 1,658 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3854% | 1,128 |
| Return on assets (ROA) | 1.3854% | 1,098 |
| Pretax return on assets | 1.3854% | 1,760 |
| Return on Equity (ROE) | 18.1900% | 619 |
| Retained earnings to average equity (ytd only) | 3.7099% | 3,547 |
| Net charge-offs to loans | 0.0037% | 2,080 |
| Credit loss provision to net charge-offs | 2,000.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 629.6667% | 255 |
| Efficiency ratio | 64.7048% | 2,453 |
| Assets per employee ($millions) | 4.8537% | 3,799 |
| Cash dividends to net income (ytd only)* | 79.6063% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,826 |
| Loan loss allowance to noncurrent loans | 2,741.8182% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,614 |
| Noncurrent loans to loans | 0.0491% | 3,525 |
| Net loans and leases to total assets | 61.5900% | 2,341 |
| Net loans and leases to deposits | 73.2915% | 2,105 |
| Net loans and leases to core deposits | 77.5122% | 2,075 |
| Total domestic deposits to total assets | 84.0400% | 3,497 |
| Equity capital to assets | 6.2510% | 3,861 |
| Core capital (leverage) ratio | 9.4002% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,019,750 | 3,250 |
| Average earning assets | $167,122,000 | 3,203 |
| Average equity | $13,405,250 | 3,569 |
| Average total loans | $107,167,250 | 3,069 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 1,547 |
| Cost of funding earning assets | 0.1714% | 3,296 |
| Net interest margin | 3.5252% | 1,247 |
| Noninterest income to average assets | 0.6692% | 1,465 |
| Noninterest expense to average assets | 2.6906% | 1,413 |
| Loan and lease loss provision to assets | 0.0343% | 1,960 |
| Net operating income to assets | 1.2858% | 1,178 |
| Return on assets (ROA) | 1.2858% | 1,162 |
| Pretax return on assets | 1.2858% | 1,791 |
| Return on Equity (ROE) | 15.9075% | 717 |
| Retained earnings to average equity (ytd only) | -0.9624% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0850% | 2,372 |
| Assets per employee ($millions) | 4.6816% | 3,945 |
| Cash dividends to net income (ytd only)* | 106.0498% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,841 |
| Loan loss allowance to noncurrent loans | 2,388.7097% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,625 |
| Noncurrent loans to loans | 0.0577% | 3,519 |
| Net loans and leases to total assets | 61.1415% | 2,207 |
| Net loans and leases to deposits | 71.9322% | 2,033 |
| Net loans and leases to core deposits | 76.3686% | 1,985 |
| Total domestic deposits to total assets | 84.9987% | 3,483 |
| Equity capital to assets | 7.2770% | 3,613 |
| Core capital (leverage) ratio | 9.1745% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,831,000 | 3,290 |
| Average earning assets | $165,720,000 | 3,263 |
| Average equity | $14,131,667 | 3,574 |
| Average total loans | $105,516,000 | 3,119 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 2,249 |
| Cost of funding earning assets | 0.1703% | 3,215 |
| Net interest margin | 3.1765% | 1,951 |
| Noninterest income to average assets | 0.5170% | 2,058 |
| Noninterest expense to average assets | 2.6555% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8768% | 2,378 |
| Return on assets (ROA) | 0.8768% | 2,376 |
| Pretax return on assets | 0.8768% | 2,864 |
| Return on Equity (ROE) | 10.3390% | 1,846 |
| Retained earnings to average equity (ytd only) | -10.8493% | 4,576 |
| Net charge-offs to loans | 0.0038% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 385.0000% | 263 |
| Efficiency ratio | 75.1773% | 1,614 |
| Assets per employee ($millions) | 4.8598% | 3,880 |
| Cash dividends to net income (ytd only)* | 204.9351% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,984 |
| Loan loss allowance to noncurrent loans | 391.8919% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,399 |
| Noncurrent loans to loans | 0.3524% | 2,219 |
| Net loans and leases to total assets | 57.5801% | 2,344 |
| Net loans and leases to deposits | 68.2883% | 2,121 |
| Net loans and leases to core deposits | 72.2185% | 2,087 |
| Total domestic deposits to total assets | 84.3192% | 3,704 |
| Equity capital to assets | 7.5518% | 3,900 |
| Core capital (leverage) ratio | 8.8267% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,637,500 | 3,299 |
| Average earning assets | $166,724,000 | 3,263 |
| Average equity | $14,895,000 | 3,571 |
| Average total loans | $104,579,500 | 3,132 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,157 |
| Cost of funding earning assets | 0.2266% | 3,180 |
| Net interest margin | 3.8743% | 880 |
| Noninterest income to average assets | 0.5399% | 2,399 |
| Noninterest expense to average assets | 2.7258% | 1,563 |
| Loan and lease loss provision to assets | 0.0733% | 1,634 |
| Net operating income to assets | 1.3754% | 1,358 |
| Return on assets (ROA) | 1.3803% | 1,396 |
| Pretax return on assets | 1.3803% | 2,112 |
| Return on Equity (ROE) | 14.2078% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.4614% | 1,058 |
| Net charge-offs to loans | 0.0118% | 2,127 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 551 |
| Efficiency ratio | 65.2963% | 2,360 |
| Assets per employee ($millions) | 4.6341% | 4,010 |
| Cash dividends to net income (ytd only)* | 33.4071% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,945 |
| Loan loss allowance to noncurrent loans | 361.5960% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 2,389 |
| Noncurrent loans to loans | 0.3849% | 2,208 |
| Net loans and leases to total assets | 59.9097% | 2,168 |
| Net loans and leases to deposits | 73.1114% | 1,802 |
| Net loans and leases to core deposits | 77.8488% | 1,777 |
| Total domestic deposits to total assets | 81.9430% | 3,976 |
| Equity capital to assets | 9.4545% | 3,180 |
| Core capital (leverage) ratio | 9.5185% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,732,400 | 3,358 |
| Average earning assets | $153,603,600 | 3,339 |
| Average equity | $15,906,800 | 3,549 |
| Average total loans | $101,997,600 | 3,169 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 933 |
| Cost of funding earning assets | 0.2317% | 3,310 |
| Net interest margin | 4.0815% | 678 |
| Noninterest income to average assets | 0.5397% | 2,458 |
| Noninterest expense to average assets | 2.5982% | 1,842 |
| Loan and lease loss provision to assets | 0.0742% | 1,562 |
| Net operating income to assets | 1.6852% | 857 |
| Return on assets (ROA) | 1.6918% | 888 |
| Pretax return on assets | 1.6918% | 1,428 |
| Return on Equity (ROE) | 17.2908% | 723 |
| Retained earnings to average equity (ytd only) | 10.9320% | 1,077 |
| Net charge-offs to loans | 0.0092% | 1,980 |
| Credit loss provision to net charge-offs | 1,285.7143% | 448 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 429 |
| Efficiency ratio | 59.6256% | 3,040 |
| Assets per employee ($millions) | 4.5420% | 4,094 |
| Cash dividends to net income (ytd only)* | 36.7755% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,100 |
| Loan loss allowance to noncurrent loans | 292.8131% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 2,324 |
| Noncurrent loans to loans | 0.4720% | 2,141 |
| Net loans and leases to total assets | 60.5528% | 2,188 |
| Net loans and leases to deposits | 75.1660% | 1,748 |
| Net loans and leases to core deposits | 79.7946% | 1,754 |
| Total domestic deposits to total assets | 80.5587% | 4,158 |
| Equity capital to assets | 9.7266% | 3,171 |
| Core capital (leverage) ratio | 9.4079% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,799,750 | 3,413 |
| Average earning assets | $151,344,000 | 3,399 |
| Average equity | $15,830,750 | 3,600 |
| Average total loans | $101,453,750 | 3,219 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 524 |
| Cost of funding earning assets | 0.2444% | 3,328 |
| Net interest margin | 4.4710% | 375 |
| Noninterest income to average assets | 0.5372% | 2,458 |
| Noninterest expense to average assets | 2.5834% | 1,901 |
| Loan and lease loss provision to assets | 0.0751% | 1,582 |
| Net operating income to assets | 2.0487% | 451 |
| Return on assets (ROA) | 2.0587% | 462 |
| Pretax return on assets | 2.0587% | 744 |
| Return on Equity (ROE) | 20.9975% | 381 |
| Retained earnings to average equity (ytd only) | 15.1351% | 412 |
| Net charge-offs to loans | 0.0178% | 1,587 |
| Credit loss provision to net charge-offs | 666.6667% | 588 |
| Earnings coverage of net charge-offs (x) | 188.4444% | 513 |
| Efficiency ratio | 54.8816% | 3,691 |
| Assets per employee ($millions) | 4.4461% | 4,140 |
| Cash dividends to net income (ytd only)* | 27.9197% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,165 |
| Loan loss allowance to noncurrent loans | 354.4529% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,739 |
| Noncurrent loans to loans | 0.3829% | 2,530 |
| Net loans and leases to total assets | 61.5500% | 2,228 |
| Net loans and leases to deposits | 76.6814% | 1,757 |
| Net loans and leases to core deposits | 81.4948% | 1,761 |
| Total domestic deposits to total assets | 80.2671% | 4,200 |
| Equity capital to assets | 9.9218% | 2,920 |
| Core capital (leverage) ratio | 9.5730% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,714,667 | 3,436 |
| Average earning assets | $148,958,333 | 3,431 |
| Average equity | $15,659,000 | 3,619 |
| Average total loans | $100,875,667 | 3,244 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 2,484 |
| Cost of funding earning assets | 0.2595% | 3,382 |
| Net interest margin | 3.3951% | 2,127 |
| Noninterest income to average assets | 0.9433% | 1,229 |
| Noninterest expense to average assets | 2.5680% | 1,965 |
| Loan and lease loss provision to assets | 0.0763% | 1,668 |
| Net operating income to assets | 1.4595% | 1,423 |
| Return on assets (ROA) | 1.4595% | 1,484 |
| Pretax return on assets | 1.4595% | 2,109 |
| Return on Equity (ROE) | 14.9796% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.0011% | 3,783 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5774% | 2,661 |
| Assets per employee ($millions) | 4.4203% | 4,178 |
| Cash dividends to net income (ytd only)* | 79.9652% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,072 |
| Loan loss allowance to noncurrent loans | 114.1431% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 1,256 |
| Noncurrent loans to loans | 1.2058% | 1,089 |
| Net loans and leases to total assets | 60.1099% | 2,534 |
| Net loans and leases to deposits | 73.7036% | 2,140 |
| Net loans and leases to core deposits | 79.3958% | 2,062 |
| Total domestic deposits to total assets | 81.5563% | 3,979 |
| Equity capital to assets | 9.3359% | 3,349 |
| Core capital (leverage) ratio | 9.3651% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,318,500 | 3,464 |
| Average earning assets | $146,448,000 | 3,457 |
| Average equity | $15,327,500 | 3,655 |
| Average total loans | $99,990,000 | 3,261 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,181 |
| Cost of funding earning assets | 0.3765% | 3,727 |
| Net interest margin | 3.8088% | 1,476 |
| Noninterest income to average assets | 0.5454% | 2,440 |
| Noninterest expense to average assets | 2.8117% | 1,911 |
| Loan and lease loss provision to assets | 0.0779% | 3,402 |
| Net operating income to assets | 1.2128% | 1,509 |
| Return on assets (ROA) | 1.2224% | 1,587 |
| Pretax return on assets | 1.2224% | 2,252 |
| Return on Equity (ROE) | 11.9115% | 1,346 |
| Retained earnings to average equity (ytd only) | 1.6863% | 3,956 |
| Net charge-offs to loans | 0.0153% | 2,804 |
| Credit loss provision to net charge-offs | 807.1429% | 897 |
| Earnings coverage of net charge-offs (x) | 133.7143% | 634 |
| Efficiency ratio | 67.6975% | 2,268 |
| Assets per employee ($millions) | 4.0834% | 4,312 |
| Cash dividends to net income (ytd only)* | 85.8432% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,242 |
| Loan loss allowance to noncurrent loans | 104.6802% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 1,179 |
| Noncurrent loans to loans | 1.2782% | 1,070 |
| Net loans and leases to total assets | 65.4962% | 2,159 |
| Net loans and leases to deposits | 81.8128% | 1,678 |
| Net loans and leases to core deposits | 89.0909% | 1,599 |
| Total domestic deposits to total assets | 80.0563% | 4,032 |
| Equity capital to assets | 10.1837% | 2,945 |
| Core capital (leverage) ratio | 9.5121% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,037,200 | 3,455 |
| Average earning assets | $135,449,600 | 3,439 |
| Average equity | $14,884,800 | 3,663 |
| Average total loans | $91,522,600 | 3,380 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,352 |
| Cost of funding earning assets | 0.3901% | 3,862 |
| Net interest margin | 3.8255% | 1,555 |
| Noninterest income to average assets | 0.6456% | 1,999 |
| Noninterest expense to average assets | 2.7860% | 2,010 |
| Loan and lease loss provision to assets | 0.0773% | 3,352 |
| Net operating income to assets | 1.3628% | 1,192 |
| Return on assets (ROA) | 1.3758% | 1,257 |
| Pretax return on assets | 1.3758% | 1,808 |
| Return on Equity (ROE) | 13.3786% | 1,011 |
| Retained earnings to average equity (ytd only) | -0.3704% | 4,540 |
| Net charge-offs to loans | 0.0060% | 2,927 |
| Credit loss provision to net charge-offs | 2,075.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 387.5000% | 295 |
| Efficiency ratio | 65.1132% | 2,577 |
| Assets per employee ($millions) | 4.1769% | 4,165 |
| Cash dividends to net income (ytd only)* | 102.7684% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,323 |
| Loan loss allowance to noncurrent loans | 86.7282% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 1,216 |
| Noncurrent loans to loans | 1.4582% | 988 |
| Net loans and leases to total assets | 63.4455% | 2,831 |
| Net loans and leases to deposits | 81.8222% | 2,117 |
| Net loans and leases to core deposits | 88.9563% | 2,067 |
| Total domestic deposits to total assets | 77.5407% | 4,261 |
| Equity capital to assets | 10.0645% | 3,173 |
| Core capital (leverage) ratio | 9.4764% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,525,250 | 3,459 |
| Average earning assets | $134,322,750 | 3,445 |
| Average equity | $14,759,500 | 3,680 |
| Average total loans | $89,329,000 | 3,425 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 2,286 |
| Cost of funding earning assets | 0.4262% | 3,918 |
| Net interest margin | 3.9418% | 1,462 |
| Noninterest income to average assets | 0.6811% | 1,807 |
| Noninterest expense to average assets | 2.7499% | 2,217 |
| Loan and lease loss provision to assets | 0.0750% | 3,355 |
| Net operating income to assets | 1.5491% | 848 |
| Return on assets (ROA) | 1.5293% | 955 |
| Pretax return on assets | 1.5293% | 1,390 |
| Return on Equity (ROE) | 14.7595% | 745 |
| Retained earnings to average equity (ytd only) | -2.9792% | 4,654 |
| Net charge-offs to loans | 0.0023% | 2,929 |
| Credit loss provision to net charge-offs | 5,300.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 1,147.0000% | 75 |
| Efficiency ratio | 62.0589% | 3,117 |
| Assets per employee ($millions) | 4.2409% | 4,064 |
| Cash dividends to net income (ytd only)* | 120.1852% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 1,947 |
| Loan loss allowance to noncurrent loans | 85.9712% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 1,307 |
| Noncurrent loans to loans | 1.5246% | 991 |
| Net loans and leases to total assets | 60.6186% | 3,252 |
| Net loans and leases to deposits | 78.9011% | 2,554 |
| Net loans and leases to core deposits | 86.3363% | 2,408 |
| Total domestic deposits to total assets | 76.8286% | 4,337 |
| Equity capital to assets | 10.0699% | 3,143 |
| Core capital (leverage) ratio | 9.6803% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,243,667 | 3,471 |
| Average earning assets | $132,323,667 | 3,443 |
| Average equity | $14,634,667 | 3,695 |
| Average total loans | $86,897,000 | 3,470 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 2,182 |
| Cost of funding earning assets | 0.4775% | 4,039 |
| Net interest margin | 4.0652% | 1,208 |
| Noninterest income to average assets | 0.5725% | 2,163 |
| Noninterest expense to average assets | 2.7926% | 2,450 |
| Loan and lease loss provision to assets | 0.0668% | 2,926 |
| Net operating income to assets | 1.5227% | 738 |
| Return on assets (ROA) | 1.5227% | 808 |
| Pretax return on assets | 1.5227% | 1,250 |
| Return on Equity (ROE) | 14.4766% | 614 |
| Retained earnings to average equity (ytd only) | -11.4100% | 4,811 |
| Net charge-offs to loans | -0.0047% | 3,851 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9310% | 3,379 |
| Assets per employee ($millions) | 3.9351% | 4,014 |
| Cash dividends to net income (ytd only)* | 178.8168% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,841 |
| Loan loss allowance to noncurrent loans | 81.8373% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 1,270 |
| Noncurrent loans to loans | 1.6669% | 920 |
| Net loans and leases to total assets | 61.2662% | 3,376 |
| Net loans and leases to deposits | 78.7116% | 2,817 |
| Net loans and leases to core deposits | 85.9366% | 2,686 |
| Total domestic deposits to total assets | 77.8363% | 4,243 |
| Equity capital to assets | 10.5010% | 3,320 |
| Core capital (leverage) ratio | 9.8928% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,649,000 | 3,483 |
| Average earning assets | $128,998,000 | 3,458 |
| Average equity | $14,478,500 | 3,720 |
| Average total loans | $84,759,000 | 3,505 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,095 |
| Cost of funding earning assets | 0.4903% | 4,132 |
| Net interest margin | 4.2925% | 1,105 |
| Noninterest income to average assets | 0.5954% | 2,249 |
| Noninterest expense to average assets | 2.7945% | 2,620 |
| Loan and lease loss provision to assets | 0.0690% | 2,632 |
| Net operating income to assets | 1.7907% | 532 |
| Return on assets (ROA) | 1.7907% | 562 |
| Pretax return on assets | 1.7907% | 963 |
| Return on Equity (ROE) | 17.1493% | 404 |
| Retained earnings to average equity (ytd only) | 5.3055% | 2,269 |
| Net charge-offs to loans | 0.0049% | 3,500 |
| Credit loss provision to net charge-offs | 2,250.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 606.7500% | 163 |
| Efficiency ratio | 59.2196% | 3,811 |
| Assets per employee ($millions) | 3.9305% | 3,997 |
| Cash dividends to net income (ytd only)* | 69.0629% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 1,658 |
| Loan loss allowance to noncurrent loans | 83.6869% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,252 |
| Noncurrent loans to loans | 1.6280% | 857 |
| Net loans and leases to total assets | 60.2066% | 3,570 |
| Net loans and leases to deposits | 77.9691% | 3,008 |
| Net loans and leases to core deposits | 84.6933% | 2,898 |
| Total domestic deposits to total assets | 77.2185% | 4,466 |
| Equity capital to assets | 10.5359% | 3,412 |
| Core capital (leverage) ratio | 10.4622% | 2,994 |
| Tier 1 risk-based capital ratio | 15.9462% | 2,424 |
| Total risk-based capital ratio | 17.1956% | 2,371 |
| Memoranda: | ||
| Average total assets | $130,505,400 | 3,561 |
| Average earning assets | $123,401,200 | 3,513 |
| Average equity | $13,627,400 | 3,802 |
| Average total loans | $81,775,600 | 3,564 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 2,075 |
| Cost of funding earning assets | 0.4762% | 4,236 |
| Net interest margin | 4.3381% | 1,078 |
| Noninterest income to average assets | 0.5893% | 2,267 |
| Noninterest expense to average assets | 2.7600% | 2,685 |
| Loan and lease loss provision to assets | 0.0704% | 2,469 |
| Net operating income to assets | 1.8725% | 534 |
| Return on assets (ROA) | 1.8725% | 555 |
| Pretax return on assets | 1.8725% | 929 |
| Return on Equity (ROE) | 17.9752% | 393 |
| Retained earnings to average equity (ytd only) | 1.9288% | 4,298 |
| Net charge-offs to loans | -0.0082% | 4,327 |
| Credit loss provision to net charge-offs | -1,360.0000% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8727% | 3,954 |
| Assets per employee ($millions) | 3.8445% | 4,107 |
| Cash dividends to net income (ytd only)* | 89.2699% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,674 |
| Loan loss allowance to noncurrent loans | 151.4745% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 2,329 |
| Noncurrent loans to loans | 0.9063% | 1,764 |
| Net loans and leases to total assets | 60.3309% | 3,647 |
| Net loans and leases to deposits | 77.1856% | 3,182 |
| Net loans and leases to core deposits | 83.8818% | 3,106 |
| Total domestic deposits to total assets | 78.1633% | 4,315 |
| Equity capital to assets | 10.3918% | 3,644 |
| Core capital (leverage) ratio | 10.2784% | 3,327 |
| Tier 1 risk-based capital ratio | 16.2903% | 2,337 |
| Total risk-based capital ratio | 17.5410% | 2,266 |
| Memoranda: | ||
| Average total assets | $128,739,750 | 3,621 |
| Average earning assets | $122,077,750 | 3,570 |
| Average equity | $13,410,750 | 3,865 |
| Average total loans | $81,227,250 | 3,623 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,886 |
| Cost of funding earning assets | 0.4578% | 4,298 |
| Net interest margin | 4.3995% | 942 |
| Noninterest income to average assets | 0.5804% | 2,242 |
| Noninterest expense to average assets | 2.6940% | 2,924 |
| Loan and lease loss provision to assets | 0.0710% | 2,398 |
| Net operating income to assets | 1.9842% | 398 |
| Return on assets (ROA) | 1.9842% | 418 |
| Pretax return on assets | 1.9842% | 695 |
| Return on Equity (ROE) | 19.0318% | 314 |
| Retained earnings to average equity (ytd only) | -0.8472% | 4,809 |
| Net charge-offs to loans | -0.0074% | 4,236 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8951% | 4,254 |
| Assets per employee ($millions) | 4.1039% | 3,727 |
| Cash dividends to net income (ytd only)* | 104.4515% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 1,764 |
| Loan loss allowance to noncurrent loans | 247.4273% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 3,175 |
| Noncurrent loans to loans | 0.5507% | 2,616 |
| Net loans and leases to total assets | 60.9613% | 3,655 |
| Net loans and leases to deposits | 77.4270% | 3,200 |
| Net loans and leases to core deposits | 84.5136% | 3,071 |
| Total domestic deposits to total assets | 78.7338% | 4,268 |
| Equity capital to assets | 10.4008% | 3,604 |
| Core capital (leverage) ratio | 10.4861% | 3,111 |
| Tier 1 risk-based capital ratio | 15.7887% | 2,506 |
| Total risk-based capital ratio | 17.0388% | 2,440 |
| Memoranda: | ||
| Average total assets | $126,800,330 | 3,667 |
| Average earning assets | $120,150,670 | 3,620 |
| Average equity | $13,220,000 | 3,900 |
| Average total loans | $80,866,330 | 3,643 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,508 |
| Cost of funding earning assets | 0.4509% | 4,281 |
| Net interest margin | 4.4849% | 763 |
| Noninterest income to average assets | 0.5653% | 2,204 |
| Noninterest expense to average assets | 2.7269% | 2,823 |
| Loan and lease loss provision to assets | 0.0739% | 2,199 |
| Net operating income to assets | 2.0139% | 378 |
| Return on assets (ROA) | 2.0139% | 394 |
| Pretax return on assets | 2.0139% | 624 |
| Return on Equity (ROE) | 19.2916% | 306 |
| Retained earnings to average equity (ytd only) | -8.0305% | 5,031 |
| Net charge-offs to loans | -0.0050% | 4,024 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8372% | 4,356 |
| Assets per employee ($millions) | 4.1279% | 3,727 |
| Cash dividends to net income (ytd only)* | 141.6268% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,777 |
| Loan loss allowance to noncurrent loans | 283.7270% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,416 |
| Noncurrent loans to loans | 0.4835% | 2,860 |
| Net loans and leases to total assets | 60.7354% | 3,634 |
| Net loans and leases to deposits | 76.9421% | 3,171 |
| Net loans and leases to core deposits | 83.1657% | 3,095 |
| Total domestic deposits to total assets | 78.9364% | 4,364 |
| Equity capital to assets | 10.2466% | 3,574 |
| Core capital (leverage) ratio | 10.5755% | 2,965 |
| Tier 1 risk-based capital ratio | 15.8757% | 2,497 |
| Total risk-based capital ratio | 17.1257% | 2,429 |
| Memoranda: | ||
| Average total assets | $124,537,500 | 3,727 |
| Average earning assets | $117,997,000 | 3,686 |
| Average equity | $13,000,500 | 3,948 |
| Average total loans | $80,717,500 | 3,675 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 1,610 |
| Cost of funding earning assets | 0.3183% | 4,480 |
| Net interest margin | 4.4515% | 833 |
| Noninterest income to average assets | 0.6118% | 2,230 |
| Noninterest expense to average assets | 2.8320% | 2,573 |
| Loan and lease loss provision to assets | 0.0756% | 2,611 |
| Net operating income to assets | 1.9118% | 430 |
| Return on assets (ROA) | 1.9118% | 427 |
| Pretax return on assets | 1.9118% | 697 |
| Return on Equity (ROE) | 18.6427% | 332 |
| Retained earnings to average equity (ytd only) | 6.3508% | 2,005 |
| Net charge-offs to loans | -0.0101% | 4,493 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8901% | 4,176 |
| Assets per employee ($millions) | 3.9068% | 4,032 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,148 |
| Loan loss allowance to noncurrent loans | 171.8699% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 2,558 |
| Noncurrent loans to loans | 0.7442% | 2,137 |
| Net loans and leases to total assets | 67.3578% | 2,957 |
| Net loans and leases to deposits | 83.0951% | 2,612 |
| Net loans and leases to core deposits | 88.5888% | 2,695 |
| Total domestic deposits to total assets | 81.0610% | 3,876 |
| Equity capital to assets | 10.6424% | 3,037 |
| Core capital (leverage) ratio | 11.2938% | 2,271 |
| Tier 1 risk-based capital ratio | 16.1511% | 2,357 |
| Total risk-based capital ratio | 17.4003% | 2,302 |
| Memoranda: | ||
| Average total assets | $118,998,000 | 3,804 |
| Average earning assets | $112,479,400 | 3,769 |
| Average equity | $12,203,200 | 3,996 |
| Average total loans | $79,067,000 | 3,683 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,662 |
| Cost of funding earning assets | 0.2867% | 4,604 |
| Net interest margin | 4.4178% | 870 |
| Noninterest income to average assets | 0.6055% | 2,276 |
| Noninterest expense to average assets | 2.7956% | 2,646 |
| Loan and lease loss provision to assets | 0.0765% | 2,429 |
| Net operating income to assets | 1.9132% | 469 |
| Return on assets (ROA) | 1.9132% | 469 |
| Pretax return on assets | 1.9132% | 800 |
| Return on Equity (ROE) | 18.8386% | 352 |
| Retained earnings to average equity (ytd only) | 2.2163% | 4,498 |
| Net charge-offs to loans | -0.0307% | 4,762 |
| Credit loss provision to net charge-offs | -377.7778% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5494% | 4,180 |
| Assets per employee ($millions) | 3.8425% | 4,117 |
| Cash dividends to net income (ytd only)* | 88.2353% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,148 |
| Loan loss allowance to noncurrent loans | 166.9329% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,243 |
| Noncurrent loans to loans | 0.7720% | 2,156 |
| Net loans and leases to total assets | 67.1978% | 3,051 |
| Net loans and leases to deposits | 82.2339% | 2,786 |
| Net loans and leases to core deposits | 87.7022% | 2,857 |
| Total domestic deposits to total assets | 81.7155% | 3,686 |
| Equity capital to assets | 10.1363% | 3,505 |
| Core capital (leverage) ratio | 10.9806% | 2,601 |
| Tier 1 risk-based capital ratio | 15.8227% | 2,516 |
| Total risk-based capital ratio | 17.0730% | 2,454 |
| Memoranda: | ||
| Average total assets | $118,470,000 | 3,851 |
| Average earning assets | $112,088,750 | 3,813 |
| Average equity | $12,031,750 | 4,053 |
| Average total loans | $78,175,250 | 3,732 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,650 |
| Cost of funding earning assets | 0.2621% | 4,686 |
| Net interest margin | 4.3845% | 879 |
| Noninterest income to average assets | 0.5953% | 2,346 |
| Noninterest expense to average assets | 2.7771% | 2,732 |
| Loan and lease loss provision to assets | 0.0761% | 2,375 |
| Net operating income to assets | 1.9010% | 470 |
| Return on assets (ROA) | 1.9010% | 466 |
| Pretax return on assets | 1.9010% | 771 |
| Return on Equity (ROE) | 18.7058% | 358 |
| Retained earnings to average equity (ytd only) | -1.0984% | 5,079 |
| Net charge-offs to loans | -0.0440% | 4,874 |
| Credit loss provision to net charge-offs | -264.7059% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5240% | 4,303 |
| Assets per employee ($millions) | 3.6323% | 4,422 |
| Cash dividends to net income (ytd only)* | 105.8719% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,106 |
| Loan loss allowance to noncurrent loans | 101.6915% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,727 |
| Noncurrent loans to loans | 1.2907% | 1,325 |
| Net loans and leases to total assets | 66.1123% | 3,132 |
| Net loans and leases to deposits | 80.0652% | 2,939 |
| Net loans and leases to core deposits | 85.1553% | 3,002 |
| Total domestic deposits to total assets | 82.5731% | 3,544 |
| Equity capital to assets | 10.2836% | 3,355 |
| Core capital (leverage) ratio | 10.6991% | 2,808 |
| Tier 1 risk-based capital ratio | 15.4543% | 2,659 |
| Total risk-based capital ratio | 16.7038% | 2,592 |
| Memoranda: | ||
| Average total assets | $118,254,330 | 3,886 |
| Average earning assets | $112,166,670 | 3,844 |
| Average equity | $12,017,670 | 4,078 |
| Average total loans | $77,204,000 | 3,771 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,407 |
| Cost of funding earning assets | 0.2543% | 4,682 |
| Net interest margin | 4.0795% | 1,491 |
| Noninterest income to average assets | 0.5735% | 2,399 |
| Noninterest expense to average assets | 2.7603% | 2,841 |
| Loan and lease loss provision to assets | 0.0771% | 2,226 |
| Net operating income to assets | 1.6099% | 838 |
| Return on assets (ROA) | 1.6099% | 841 |
| Pretax return on assets | 1.6099% | 1,367 |
| Return on Equity (ROE) | 15.9336% | 635 |
| Retained earnings to average equity (ytd only) | -8.9295% | 5,336 |
| Net charge-offs to loans | -0.1197% | 5,266 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1614% | 3,922 |
| Assets per employee ($millions) | 3.8002% | 4,290 |
| Cash dividends to net income (ytd only)* | 156.0417% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,285 |
| Loan loss allowance to noncurrent loans | 71.5812% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 1,249 |
| Noncurrent loans to loans | 1.8041% | 927 |
| Net loans and leases to total assets | 63.1685% | 3,413 |
| Net loans and leases to deposits | 77.2579% | 3,087 |
| Net loans and leases to core deposits | 81.6288% | 3,175 |
| Total domestic deposits to total assets | 81.7631% | 4,029 |
| Equity capital to assets | 9.6863% | 3,902 |
| Core capital (leverage) ratio | 10.4721% | 2,980 |
| Tier 1 risk-based capital ratio | 14.6912% | 3,030 |
| Total risk-based capital ratio | 15.8866% | 2,964 |
| Memoranda: | ||
| Average total assets | $119,264,500 | 3,911 |
| Average earning assets | $113,250,500 | 3,863 |
| Average equity | $12,050,000 | 4,114 |
| Average total loans | $76,872,500 | 3,810 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,077 |
| Cost of funding earning assets | 0.2466% | 4,597 |
| Net interest margin | 4.1359% | 1,334 |
| Noninterest income to average assets | 0.5987% | 2,456 |
| Noninterest expense to average assets | 2.8179% | 2,713 |
| Loan and lease loss provision to assets | 0.0790% | 2,613 |
| Net operating income to assets | 1.6187% | 630 |
| Return on assets (ROA) | 1.6187% | 646 |
| Pretax return on assets | 1.6187% | 1,243 |
| Return on Equity (ROE) | 15.2241% | 581 |
| Retained earnings to average equity (ytd only) | 3.7235% | 2,996 |
| Net charge-offs to loans | 0.0217% | 3,376 |
| Credit loss provision to net charge-offs | 562.5000% | 574 |
| Earnings coverage of net charge-offs (x) | 120.8750% | 559 |
| Efficiency ratio | 61.4308% | 4,028 |
| Assets per employee ($millions) | 3.6539% | 4,499 |
| Cash dividends to net income (ytd only)* | 75.5423% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,403 |
| Loan loss allowance to noncurrent loans | 124.8375% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 2,034 |
| Noncurrent loans to loans | 1.0129% | 1,752 |
| Net loans and leases to total assets | 64.1134% | 3,353 |
| Net loans and leases to deposits | 77.4646% | 3,173 |
| Net loans and leases to core deposits | 81.9682% | 3,245 |
| Total domestic deposits to total assets | 82.7649% | 3,643 |
| Equity capital to assets | 10.5376% | 3,125 |
| Core capital (leverage) ratio | 10.8670% | 2,461 |
| Tier 1 risk-based capital ratio | 15.7605% | 2,527 |
| Total risk-based capital ratio | 16.9576% | 2,489 |
| Memoranda: | ||
| Average total assets | $113,915,200 | 3,997 |
| Average earning assets | $107,884,800 | 3,951 |
| Average equity | $12,112,400 | 4,120 |
| Average total loans | $73,689,800 | 3,880 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 2,150 |
| Cost of funding earning assets | 0.2140% | 4,855 |
| Net interest margin | 4.1238% | 1,329 |
| Noninterest income to average assets | 0.5797% | 2,586 |
| Noninterest expense to average assets | 2.7947% | 2,746 |
| Loan and lease loss provision to assets | 0.0801% | 2,484 |
| Net operating income to assets | 1.6094% | 696 |
| Return on assets (ROA) | 1.6094% | 717 |
| Pretax return on assets | 1.6094% | 1,386 |
| Return on Equity (ROE) | 15.1016% | 639 |
| Retained earnings to average equity (ytd only) | -0.2985% | 5,255 |
| Net charge-offs to loans | 0.0073% | 3,476 |
| Credit loss provision to net charge-offs | 1,700.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 358.7148% | 259 |
| Efficiency ratio | 61.3505% | 3,988 |
| Assets per employee ($millions) | 3.6223% | 4,555 |
| Cash dividends to net income (ytd only)* | 101.9766% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,503 |
| Loan loss allowance to noncurrent loans | 133.0532% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 2,160 |
| Noncurrent loans to loans | 0.9566% | 2,011 |
| Net loans and leases to total assets | 63.5724% | 3,477 |
| Net loans and leases to deposits | 76.9094% | 3,282 |
| Net loans and leases to core deposits | 81.4227% | 3,337 |
| Total domestic deposits to total assets | 82.6588% | 3,566 |
| Equity capital to assets | 10.6578% | 3,204 |
| Core capital (leverage) ratio | 10.7236% | 2,732 |
| Tier 1 risk-based capital ratio | 15.4305% | 2,731 |
| Total risk-based capital ratio | 16.6372% | 2,699 |
| Memoranda: | ||
| Average total assets | $113,163,000 | 4,051 |
| Average earning assets | $107,147,500 | 4,005 |
| Average equity | $12,060,250 | 4,164 |
| Average total loans | $73,131,250 | 3,925 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 1,995 |
| Cost of funding earning assets | 0.2238% | 4,769 |
| Net interest margin | 4.1176% | 1,277 |
| Noninterest income to average assets | 0.5898% | 2,515 |
| Noninterest expense to average assets | 2.8099% | 2,724 |
| Loan and lease loss provision to assets | 0.0802% | 2,385 |
| Net operating income to assets | 1.6001% | 710 |
| Return on assets (ROA) | 1.6001% | 730 |
| Pretax return on assets | 1.6001% | 1,344 |
| Return on Equity (ROE) | 15.0138% | 657 |
| Retained earnings to average equity (ytd only) | -4.2968% | 5,503 |
| Net charge-offs to loans | -0.0028% | 4,217 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5873% | 4,072 |
| Assets per employee ($millions) | 3.5729% | 4,618 |
| Cash dividends to net income (ytd only)* | 128.6192% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,532 |
| Loan loss allowance to noncurrent loans | 112.9697% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 2,407 |
| Noncurrent loans to loans | 1.1301% | 1,739 |
| Net loans and leases to total assets | 63.0369% | 3,509 |
| Net loans and leases to deposits | 75.7672% | 3,370 |
| Net loans and leases to core deposits | 80.0027% | 3,418 |
| Total domestic deposits to total assets | 83.1982% | 3,506 |
| Equity capital to assets | 10.6120% | 3,212 |
| Core capital (leverage) ratio | 10.5443% | 2,865 |
| Tier 1 risk-based capital ratio | 15.4547% | 2,723 |
| Total risk-based capital ratio | 16.6641% | 2,681 |
| Memoranda: | ||
| Average total assets | $112,245,670 | 4,093 |
| Average earning assets | $106,323,000 | 4,040 |
| Average equity | $11,962,330 | 4,194 |
| Average total loans | $72,628,330 | 3,959 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 1,997 |
| Cost of funding earning assets | 0.2164% | 4,831 |
| Net interest margin | 4.0699% | 1,300 |
| Noninterest income to average assets | 0.5971% | 2,432 |
| Noninterest expense to average assets | 2.8597% | 2,579 |
| Loan and lease loss provision to assets | 0.0827% | 2,164 |
| Net operating income to assets | 1.5108% | 791 |
| Return on assets (ROA) | 1.5108% | 820 |
| Pretax return on assets | 1.5108% | 1,504 |
| Return on Equity (ROE) | 14.1450% | 774 |
| Retained earnings to average equity (ytd only) | -12.0232% | 5,620 |
| Net charge-offs to loans | -0.0773% | 5,361 |
| Credit loss provision to net charge-offs | -164.2857% | 4,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2472% | 3,947 |
| Assets per employee ($millions) | 3.6542% | 4,568 |
| Cash dividends to net income (ytd only)* | 185.0000% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,726 |
| Loan loss allowance to noncurrent loans | 131.8571% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 2,782 |
| Noncurrent loans to loans | 0.9590% | 2,122 |
| Net loans and leases to total assets | 63.6179% | 3,318 |
| Net loans and leases to deposits | 74.9784% | 3,308 |
| Net loans and leases to core deposits | 79.1197% | 3,377 |
| Total domestic deposits to total assets | 84.8483% | 3,144 |
| Equity capital to assets | 10.4492% | 3,238 |
| Core capital (leverage) ratio | 10.6772% | 2,707 |
| Tier 1 risk-based capital ratio | 15.5477% | 2,735 |
| Total risk-based capital ratio | 16.7640% | 2,677 |
| Memoranda: | ||
| Average total assets | $111,202,000 | 4,151 |
| Average earning assets | $105,360,000 | 4,098 |
| Average equity | $11,877,000 | 4,234 |
| Average total loans | $72,440,500 | 3,992 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,203 |
| Cost of funding earning assets | 0.2792% | 4,262 |
| Net interest margin | 4.0034% | 1,623 |
| Noninterest income to average assets | 0.6041% | 2,643 |
| Noninterest expense to average assets | 2.7092% | 3,318 |
| Loan and lease loss provision to assets | 0.0803% | 2,755 |
| Net operating income to assets | 1.6027% | 678 |
| Return on assets (ROA) | 1.6339% | 657 |
| Pretax return on assets | 1.6339% | 1,181 |
| Return on Equity (ROE) | 15.2054% | 603 |
| Retained earnings to average equity (ytd only) | 4.3100% | 2,833 |
| Net charge-offs to loans | 0.0499% | 3,045 |
| Credit loss provision to net charge-offs | 257.1429% | 1,122 |
| Earnings coverage of net charge-offs (x) | 53.8857% | 964 |
| Efficiency ratio | 60.6664% | 4,481 |
| Assets per employee ($millions) | 3.5201% | 4,732 |
| Cash dividends to net income (ytd only)* | 71.6548% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,924 |
| Loan loss allowance to noncurrent loans | 158.7814% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 3,221 |
| Noncurrent loans to loans | 0.7762% | 2,582 |
| Net loans and leases to total assets | 65.0688% | 3,209 |
| Net loans and leases to deposits | 76.2560% | 3,294 |
| Net loans and leases to core deposits | 80.3342% | 3,370 |
| Total domestic deposits to total assets | 85.3294% | 2,910 |
| Equity capital to assets | 10.9207% | 2,693 |
| Core capital (leverage) ratio | 11.0490% | 2,297 |
| Tier 1 risk-based capital ratio | 16.8741% | 2,198 |
| Total risk-based capital ratio | 18.1010% | 2,160 |
| Memoranda: | ||
| Average total assets | $112,064,000 | 4,126 |
| Average earning assets | $106,033,800 | 4,074 |
| Average equity | $12,041,800 | 4,247 |
| Average total loans | $70,074,200 | 4,042 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 2,517 |
| Cost of funding earning assets | 0.2860% | 4,241 |
| Net interest margin | 3.9131% | 1,928 |
| Noninterest income to average assets | 0.6005% | 2,657 |
| Noninterest expense to average assets | 2.6666% | 3,439 |
| Loan and lease loss provision to assets | 0.0804% | 2,602 |
| Net operating income to assets | 1.5567% | 789 |
| Return on assets (ROA) | 1.5981% | 772 |
| Pretax return on assets | 1.5981% | 1,383 |
| Return on Equity (ROE) | 14.9310% | 673 |
| Retained earnings to average equity (ytd only) | 1.0160% | 5,084 |
| Net charge-offs to loans | 0.0134% | 3,485 |
| Credit loss provision to net charge-offs | 971.4286% | 421 |
| Earnings coverage of net charge-offs (x) | 197.9228% | 373 |
| Efficiency ratio | 60.9448% | 4,403 |
| Assets per employee ($millions) | 3.6162% | 4,620 |
| Cash dividends to net income (ytd only)* | 93.1955% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,921 |
| Loan loss allowance to noncurrent loans | 139.5931% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 3,195 |
| Noncurrent loans to loans | 0.8998% | 2,449 |
| Net loans and leases to total assets | 62.5546% | 3,575 |
| Net loans and leases to deposits | 75.3028% | 3,467 |
| Net loans and leases to core deposits | 79.3260% | 3,517 |
| Total domestic deposits to total assets | 83.0708% | 3,559 |
| Equity capital to assets | 11.0212% | 2,988 |
| Core capital (leverage) ratio | 10.5247% | 2,969 |
| Tier 1 risk-based capital ratio | 15.9314% | 2,655 |
| Total risk-based capital ratio | 17.1407% | 2,609 |
| Memoranda: | ||
| Average total assets | $112,799,250 | 4,143 |
| Average earning assets | $106,749,250 | 4,092 |
| Average equity | $12,073,000 | 4,280 |
| Average total loans | $69,620,000 | 4,085 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 2,505 |
| Cost of funding earning assets | 0.3120% | 3,995 |
| Net interest margin | 3.8918% | 2,008 |
| Noninterest income to average assets | 0.5928% | 2,655 |
| Noninterest expense to average assets | 2.6117% | 3,681 |
| Loan and lease loss provision to assets | 0.0796% | 2,544 |
| Net operating income to assets | 1.5872% | 746 |
| Return on assets (ROA) | 1.6491% | 690 |
| Pretax return on assets | 1.6491% | 1,223 |
| Return on Equity (ROE) | 15.5606% | 601 |
| Retained earnings to average equity (ytd only) | -1.9200% | 5,529 |
| Net charge-offs to loans | -0.0029% | 4,420 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0083% | 4,641 |
| Assets per employee ($millions) | 3.5804% | 4,627 |
| Cash dividends to net income (ytd only)* | 112.3391% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 3,183 |
| Loan loss allowance to noncurrent loans | 349.4024% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,591 |
| Noncurrent loans to loans | 0.3525% | 4,110 |
| Net loans and leases to total assets | 63.3716% | 3,452 |
| Net loans and leases to deposits | 75.5624% | 3,432 |
| Net loans and leases to core deposits | 79.8996% | 3,467 |
| Total domestic deposits to total assets | 83.8666% | 3,326 |
| Equity capital to assets | 10.9430% | 3,118 |
| Core capital (leverage) ratio | 10.2898% | 3,212 |
| Tier 1 risk-based capital ratio | 13.6698% | 3,790 |
| Total risk-based capital ratio | 14.7088% | 3,842 |
| Memoranda: | ||
| Average total assets | $113,031,670 | 4,167 |
| Average earning assets | $107,045,330 | 4,113 |
| Average equity | $11,979,000 | 4,321 |
| Average total loans | $69,154,330 | 4,109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 2,999 |
| Cost of funding earning assets | 0.3889% | 3,205 |
| Net interest margin | 3.6706% | 2,798 |
| Noninterest income to average assets | 0.5892% | 2,597 |
| Noninterest expense to average assets | 2.6234% | 3,678 |
| Loan and lease loss provision to assets | 0.0807% | 2,341 |
| Net operating income to assets | 1.3608% | 1,114 |
| Return on assets (ROA) | 1.4835% | 928 |
| Pretax return on assets | 1.4835% | 1,648 |
| Return on Equity (ROE) | 14.2239% | 798 |
| Retained earnings to average equity (ytd only) | -8.0703% | 5,752 |
| Net charge-offs to loans | -0.0176% | 4,793 |
| Credit loss provision to net charge-offs | -766.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5030% | 4,218 |
| Assets per employee ($millions) | 3.6915% | 4,484 |
| Cash dividends to net income (ytd only)* | 156.7376% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 3,096 |
| Loan loss allowance to noncurrent loans | 364.6809% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 4,740 |
| Noncurrent loans to loans | 0.3463% | 4,192 |
| Net loans and leases to total assets | 58.5484% | 3,981 |
| Net loans and leases to deposits | 73.2532% | 3,522 |
| Net loans and leases to core deposits | 77.2649% | 3,570 |
| Total domestic deposits to total assets | 79.9261% | 4,763 |
| Equity capital to assets | 10.3341% | 3,702 |
| Core capital (leverage) ratio | 10.0307% | 3,502 |
| Tier 1 risk-based capital ratio | 12.8218% | 4,382 |
| Total risk-based capital ratio | 13.7854% | 4,469 |
| Memoranda: | ||
| Average total assets | $114,051,000 | 4,181 |
| Average earning assets | $107,992,000 | 4,128 |
| Average equity | $11,895,500 | 4,346 |
| Average total loans | $68,124,000 | 4,158 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,838 |
| Cost of funding earning assets | 0.3162% | 4,074 |
| Net interest margin | 3.8059% | 2,351 |
| Noninterest income to average assets | 0.5814% | 2,826 |
| Noninterest expense to average assets | 2.6207% | 3,848 |
| Loan and lease loss provision to assets | 0.0807% | 2,672 |
| Net operating income to assets | 1.4759% | 905 |
| Return on assets (ROA) | 1.4965% | 906 |
| Pretax return on assets | 1.4965% | 1,564 |
| Return on Equity (ROE) | 14.4076% | 783 |
| Retained earnings to average equity (ytd only) | 3.6278% | 3,471 |
| Net charge-offs to loans | 0.0733% | 2,783 |
| Credit loss provision to net charge-offs | 183.6735% | 1,489 |
| Earnings coverage of net charge-offs (x) | 35.4082% | 1,290 |
| Efficiency ratio | 61.6624% | 4,663 |
| Assets per employee ($millions) | 3.6666% | 4,538 |
| Cash dividends to net income (ytd only)* | 74.8201% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 3,387 |
| Loan loss allowance to noncurrent loans | 525.9494% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 5,032 |
| Noncurrent loans to loans | 0.2310% | 4,595 |
| Net loans and leases to total assets | 59.4369% | 3,908 |
| Net loans and leases to deposits | 72.8360% | 3,632 |
| Net loans and leases to core deposits | 76.7620% | 3,686 |
| Total domestic deposits to total assets | 81.6038% | 4,305 |
| Equity capital to assets | 10.5265% | 3,331 |
| Core capital (leverage) ratio | 10.3608% | 3,094 |
| Tier 1 risk-based capital ratio | 13.7607% | 3,849 |
| Total risk-based capital ratio | 14.7392% | 3,952 |
| Memoranda: | ||
| Average total assets | $111,460,000 | 4,233 |
| Average earning assets | $105,311,200 | 4,159 |
| Average equity | $11,577,200 | 4,376 |
| Average total loans | $66,835,200 | 4,173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 2,907 |
| Cost of funding earning assets | 0.3054% | 4,272 |
| Net interest margin | 3.8023% | 2,370 |
| Noninterest income to average assets | 0.5818% | 2,841 |
| Noninterest expense to average assets | 2.6520% | 3,714 |
| Loan and lease loss provision to assets | 0.0817% | 2,538 |
| Net operating income to assets | 1.4402% | 1,027 |
| Return on assets (ROA) | 1.4678% | 1,012 |
| Pretax return on assets | 1.4678% | 1,772 |
| Return on Equity (ROE) | 14.1805% | 866 |
| Retained earnings to average equity (ytd only) | -0.3136% | 5,663 |
| Net charge-offs to loans | 0.0823% | 2,375 |
| Credit loss provision to net charge-offs | 165.8537% | 1,556 |
| Earnings coverage of net charge-offs (x) | 30.8754% | 1,465 |
| Efficiency ratio | 62.4712% | 4,500 |
| Assets per employee ($millions) | 3.5371% | 4,729 |
| Cash dividends to net income (ytd only)* | 102.2114% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,632 |
| Loan loss allowance to noncurrent loans | 205.5416% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 4,324 |
| Noncurrent loans to loans | 0.5858% | 3,573 |
| Net loans and leases to total assets | 61.0670% | 3,725 |
| Net loans and leases to deposits | 74.2812% | 3,515 |
| Net loans and leases to core deposits | 78.4029% | 3,571 |
| Total domestic deposits to total assets | 82.2107% | 4,099 |
| Equity capital to assets | 10.6503% | 3,410 |
| Core capital (leverage) ratio | 10.3148% | 3,238 |
| Tier 1 risk-based capital ratio | 13.5174% | 4,134 |
| Total risk-based capital ratio | 14.4992% | 4,208 |
| Memoranda: | ||
| Average total assets | $110,908,750 | 4,288 |
| Average earning assets | $104,776,250 | 4,220 |
| Average equity | $11,480,250 | 4,441 |
| Average total loans | $66,446,500 | 4,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,990 |
| Cost of funding earning assets | 0.3123% | 4,251 |
| Net interest margin | 3.7632% | 2,466 |
| Noninterest income to average assets | 0.5713% | 2,898 |
| Noninterest expense to average assets | 2.6319% | 3,810 |
| Loan and lease loss provision to assets | 0.0808% | 2,494 |
| Net operating income to assets | 1.4084% | 1,076 |
| Return on assets (ROA) | 1.4426% | 1,042 |
| Pretax return on assets | 1.4426% | 1,830 |
| Return on Equity (ROE) | 14.0700% | 886 |
| Retained earnings to average equity (ytd only) | -4.4330% | 5,996 |
| Net charge-offs to loans | 0.1303% | 1,716 |
| Credit loss provision to net charge-offs | 104.6512% | 1,987 |
| Earnings coverage of net charge-offs (x) | 19.2791% | 1,756 |
| Efficiency ratio | 62.7724% | 4,550 |
| Assets per employee ($millions) | 3.4779% | 4,847 |
| Cash dividends to net income (ytd only)* | 131.5068% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 3,575 |
| Loan loss allowance to noncurrent loans | 286.9565% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,845 |
| Noncurrent loans to loans | 0.4313% | 4,187 |
| Net loans and leases to total assets | 58.6223% | 4,024 |
| Net loans and leases to deposits | 70.1165% | 3,922 |
| Net loans and leases to core deposits | 73.7440% | 3,975 |
| Total domestic deposits to total assets | 83.6070% | 3,726 |
| Equity capital to assets | 10.4170% | 3,540 |
| Core capital (leverage) ratio | 10.0687% | 3,505 |
| Tier 1 risk-based capital ratio | 14.5049% | 3,636 |
| Total risk-based capital ratio | 15.5488% | 3,684 |
| Memoranda: | ||
| Average total assets | $111,328,330 | 4,312 |
| Average earning assets | $105,016,330 | 4,245 |
| Average equity | $11,414,330 | 4,482 |
| Average total loans | $66,003,330 | 4,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,039 |
| Cost of funding earning assets | 0.3308% | 4,085 |
| Net interest margin | 3.7211% | 2,550 |
| Noninterest income to average assets | 0.5624% | 2,873 |
| Noninterest expense to average assets | 2.6564% | 3,728 |
| Loan and lease loss provision to assets | 0.0814% | 2,341 |
| Net operating income to assets | 1.3264% | 1,192 |
| Return on assets (ROA) | 1.3264% | 1,272 |
| Pretax return on assets | 1.3264% | 2,171 |
| Return on Equity (ROE) | 13.0367% | 1,082 |
| Retained earnings to average equity (ytd only) | -10.3250% | 6,143 |
| Net charge-offs to loans | 0.1075% | 1,664 |
| Credit loss provision to net charge-offs | 127.7778% | 1,387 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,359 |
| Efficiency ratio | 64.3168% | 4,430 |
| Assets per employee ($millions) | 3.6668% | 4,579 |
| Cash dividends to net income (ytd only)* | 179.2000% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,984 |
| Loan loss allowance to noncurrent loans | 201.7766% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 4,618 |
| Noncurrent loans to loans | 0.5946% | 3,796 |
| Net loans and leases to total assets | 57.5916% | 4,008 |
| Net loans and leases to deposits | 71.6185% | 3,569 |
| Net loans and leases to core deposits | 75.2662% | 3,664 |
| Total domestic deposits to total assets | 80.4145% | 4,955 |
| Equity capital to assets | 10.1310% | 3,972 |
| Core capital (leverage) ratio | 9.7182% | 3,991 |
| Tier 1 risk-based capital ratio | 13.1495% | 4,530 |
| Total risk-based capital ratio | 14.1038% | 4,605 |
| Memoranda: | ||
| Average total assets | $113,085,500 | 4,309 |
| Average earning assets | $106,421,500 | 4,246 |
| Average equity | $11,506,000 | 4,506 |
| Average total loans | $67,007,500 | 4,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,154 |
| Cost of funding earning assets | 0.3651% | 4,080 |
| Net interest margin | 3.7779% | 2,698 |
| Noninterest income to average assets | 0.5772% | 3,004 |
| Noninterest expense to average assets | 2.5613% | 4,354 |
| Loan and lease loss provision to assets | 0.0327% | 3,945 |
| Net operating income to assets | 1.5379% | 815 |
| Return on assets (ROA) | 1.5379% | 843 |
| Pretax return on assets | 1.5379% | 1,418 |
| Return on Equity (ROE) | 15.5249% | 695 |
| Retained earnings to average equity (ytd only) | 2.4499% | 4,483 |
| Net charge-offs to loans | 0.0379% | 4,077 |
| Credit loss provision to net charge-offs | 144.0000% | 1,654 |
| Earnings coverage of net charge-offs (x) | 69.1200% | 713 |
| Efficiency ratio | 60.8887% | 5,092 |
| Assets per employee ($millions) | 3.6290% | 4,663 |
| Cash dividends to net income (ytd only)* | 84.2199% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,192 |
| Loan loss allowance to noncurrent loans | 183.2947% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 4,550 |
| Noncurrent loans to loans | 0.6361% | 3,778 |
| Net loans and leases to total assets | 59.5244% | 3,845 |
| Net loans and leases to deposits | 72.8688% | 3,573 |
| Net loans and leases to core deposits | 76.2057% | 3,688 |
| Total domestic deposits to total assets | 81.6871% | 4,533 |
| Equity capital to assets | 10.2187% | 3,834 |
| Core capital (leverage) ratio | 9.9819% | 3,590 |
| Tier 1 risk-based capital ratio | 15.9908% | 2,964 |
| Total risk-based capital ratio | 17.1321% | 2,970 |
| Memoranda: | ||
| Average total assets | $110,023,200 | 4,382 |
| Average earning assets | $103,522,400 | 4,319 |
| Average equity | $10,898,600 | 4,585 |
| Average total loans | $65,974,200 | 4,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 3,294 |
| Cost of funding earning assets | 0.3655% | 4,182 |
| Net interest margin | 3.7548% | 2,793 |
| Noninterest income to average assets | 0.5777% | 3,012 |
| Noninterest expense to average assets | 2.6056% | 4,184 |
| Loan and lease loss provision to assets | 0.0329% | 3,747 |
| Net operating income to assets | 1.4819% | 974 |
| Return on assets (ROA) | 1.4819% | 1,003 |
| Pretax return on assets | 1.4819% | 1,704 |
| Return on Equity (ROE) | 15.0828% | 814 |
| Retained earnings to average equity (ytd only) | -1.2900% | 6,004 |
| Net charge-offs to loans | 0.0224% | 4,075 |
| Credit loss provision to net charge-offs | 245.4545% | 1,071 |
| Earnings coverage of net charge-offs (x) | 112.9714% | 526 |
| Efficiency ratio | 62.1414% | 4,866 |
| Assets per employee ($millions) | 3.5802% | 4,719 |
| Cash dividends to net income (ytd only)* | 108.5531% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,310 |
| Loan loss allowance to noncurrent loans | 146.9501% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 4,422 |
| Noncurrent loans to loans | 0.8064% | 3,562 |
| Net loans and leases to total assets | 59.7328% | 3,831 |
| Net loans and leases to deposits | 74.0850% | 3,423 |
| Net loans and leases to core deposits | 77.5689% | 3,574 |
| Total domestic deposits to total assets | 80.6273% | 4,933 |
| Equity capital to assets | 9.9067% | 4,290 |
| Core capital (leverage) ratio | 9.6257% | 4,195 |
| Tier 1 risk-based capital ratio | 15.5297% | 3,300 |
| Total risk-based capital ratio | 16.6853% | 3,289 |
| Memoranda: | ||
| Average total assets | $109,404,000 | 4,434 |
| Average earning assets | $103,225,000 | 4,364 |
| Average equity | $10,749,250 | 4,637 |
| Average total loans | $65,529,000 | 4,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,328 |
| Cost of funding earning assets | 0.3723% | 4,179 |
| Net interest margin | 3.7310% | 2,838 |
| Noninterest income to average assets | 0.5621% | 3,035 |
| Noninterest expense to average assets | 2.6121% | 4,196 |
| Loan and lease loss provision to assets | 0.0331% | 3,626 |
| Net operating income to assets | 1.4328% | 994 |
| Return on assets (ROA) | 1.4328% | 1,034 |
| Pretax return on assets | 1.4328% | 1,773 |
| Return on Equity (ROE) | 14.6241% | 849 |
| Retained earnings to average equity (ytd only) | -6.5246% | 6,327 |
| Net charge-offs to loans | 0.0062% | 4,167 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 399.0000% | 175 |
| Efficiency ratio | 62.9279% | 4,868 |
| Assets per employee ($millions) | 3.5934% | 4,677 |
| Cash dividends to net income (ytd only)* | 144.6154% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,354 |
| Loan loss allowance to noncurrent loans | 248.4375% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 5,219 |
| Noncurrent loans to loans | 0.4893% | 4,530 |
| Net loans and leases to total assets | 57.9954% | 3,995 |
| Net loans and leases to deposits | 71.6890% | 3,613 |
| Net loans and leases to core deposits | 75.2855% | 3,708 |
| Total domestic deposits to total assets | 80.8986% | 5,017 |
| Equity capital to assets | 9.6907% | 4,504 |
| Core capital (leverage) ratio | 9.4282% | 4,432 |
| Tier 1 risk-based capital ratio | 15.4603% | 3,375 |
| Total risk-based capital ratio | 16.6390% | 3,359 |
| Memoranda: | ||
| Average total assets | $108,876,670 | 4,468 |
| Average earning assets | $102,600,000 | 4,401 |
| Average equity | $10,667,330 | 4,671 |
| Average total loans | $65,008,670 | 4,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 3,402 |
| Cost of funding earning assets | 0.3714% | 4,301 |
| Net interest margin | 3.6977% | 2,872 |
| Noninterest income to average assets | 0.5204% | 3,266 |
| Noninterest expense to average assets | 2.6687% | 4,043 |
| Loan and lease loss provision to assets | 0.0335% | 3,381 |
| Net operating income to assets | 1.2972% | 1,225 |
| Return on assets (ROA) | 1.2972% | 1,269 |
| Pretax return on assets | 1.2972% | 2,105 |
| Return on Equity (ROE) | 13.1655% | 1,121 |
| Retained earnings to average equity (ytd only) | -12.1847% | 6,421 |
| Net charge-offs to loans | -0.0370% | 5,680 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6134% | 4,595 |
| Assets per employee ($millions) | 3.8016% | 4,323 |
| Cash dividends to net income (ytd only)* | 192.5501% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,496 |
| Loan loss allowance to noncurrent loans | 172.6087% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 4,886 |
| Noncurrent loans to loans | 0.7122% | 4,090 |
| Net loans and leases to total assets | 57.8628% | 3,860 |
| Net loans and leases to deposits | 69.5099% | 3,658 |
| Net loans and leases to core deposits | 72.7182% | 3,790 |
| Total domestic deposits to total assets | 83.2440% | 4,520 |
| Equity capital to assets | 9.5749% | 4,395 |
| Core capital (leverage) ratio | 9.7089% | 3,987 |
| Tier 1 risk-based capital ratio | 15.6683% | 3,350 |
| Total risk-based capital ratio | 16.8597% | 3,338 |
| Memoranda: | ||
| Average total assets | $107,617,500 | 4,542 |
| Average earning assets | $101,251,000 | 4,476 |
| Average equity | $10,603,500 | 4,704 |
| Average total loans | $64,813,500 | 4,439 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,998 |
| Cost of funding earning assets | 0.4100% | 4,540 |
| Net interest margin | 3.8810% | 2,366 |
| Noninterest income to average assets | 0.6420% | 2,851 |
| Noninterest expense to average assets | 2.6019% | 4,455 |
| Loan and lease loss provision to assets | 0.0607% | 3,925 |
| Net operating income to assets | 1.6389% | 637 |
| Return on assets (ROA) | 1.6389% | 653 |
| Pretax return on assets | 1.6389% | 1,078 |
| Return on Equity (ROE) | 15.6937% | 660 |
| Retained earnings to average equity (ytd only) | 2.4002% | 4,538 |
| Net charge-offs to loans | 0.0975% | 3,868 |
| Credit loss provision to net charge-offs | 101.6129% | 2,378 |
| Earnings coverage of net charge-offs (x) | 28.4355% | 1,237 |
| Efficiency ratio | 59.3680% | 5,557 |
| Assets per employee ($millions) | 3.6203% | 4,633 |
| Cash dividends to net income (ytd only)* | 84.7059% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,671 |
| Loan loss allowance to noncurrent loans | 175.8465% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 4,720 |
| Noncurrent loans to loans | 0.6811% | 4,270 |
| Net loans and leases to total assets | 61.2089% | 3,497 |
| Net loans and leases to deposits | 72.0725% | 3,510 |
| Net loans and leases to core deposits | 75.7887% | 3,627 |
| Total domestic deposits to total assets | 84.9268% | 3,783 |
| Equity capital to assets | 10.1450% | 3,574 |
| Core capital (leverage) ratio | 10.3857% | 3,038 |
| Tier 1 risk-based capital ratio | 16.1998% | 3,007 |
| Total risk-based capital ratio | 17.3736% | 2,996 |
| Memoranda: | ||
| Average total assets | $103,731,200 | 4,655 |
| Average earning assets | $97,808,600 | 4,573 |
| Average equity | $10,832,400 | 4,669 |
| Average total loans | $63,613,800 | 4,494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,106 |
| Cost of funding earning assets | 0.4106% | 4,721 |
| Net interest margin | 3.8603% | 2,419 |
| Noninterest income to average assets | 0.6408% | 2,925 |
| Noninterest expense to average assets | 2.6172% | 4,333 |
| Loan and lease loss provision to assets | 0.0387% | 4,236 |
| Net operating income to assets | 1.6335% | 709 |
| Return on assets (ROA) | 1.6335% | 749 |
| Pretax return on assets | 1.6335% | 1,257 |
| Return on Equity (ROE) | 15.5298% | 708 |
| Retained earnings to average equity (ytd only) | -2.1205% | 6,280 |
| Net charge-offs to loans | 0.1180% | 3,367 |
| Credit loss provision to net charge-offs | 53.5714% | 3,426 |
| Earnings coverage of net charge-offs (x) | 23.1622% | 1,470 |
| Efficiency ratio | 59.9038% | 5,449 |
| Assets per employee ($millions) | 3.5430% | 4,761 |
| Cash dividends to net income (ytd only)* | 113.6543% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,085 |
| Loan loss allowance to noncurrent loans | 236.4780% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,390 |
| Noncurrent loans to loans | 0.4891% | 4,976 |
| Net loans and leases to total assets | 62.5449% | 3,251 |
| Net loans and leases to deposits | 73.9565% | 3,237 |
| Net loans and leases to core deposits | 77.8691% | 3,379 |
| Total domestic deposits to total assets | 84.5699% | 3,944 |
| Equity capital to assets | 10.2271% | 3,603 |
| Core capital (leverage) ratio | 10.0797% | 3,559 |
| Tier 1 risk-based capital ratio | 15.6178% | 3,391 |
| Total risk-based capital ratio | 16.7573% | 3,427 |
| Memoranda: | ||
| Average total assets | $103,417,000 | 4,708 |
| Average earning assets | $97,745,250 | 4,617 |
| Average equity | $10,877,750 | 4,711 |
| Average total loans | $63,257,000 | 4,547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 3,181 |
| Cost of funding earning assets | 0.4125% | 4,834 |
| Net interest margin | 3.8293% | 2,450 |
| Noninterest income to average assets | 0.6252% | 3,048 |
| Noninterest expense to average assets | 2.6090% | 4,347 |
| Loan and lease loss provision to assets | 0.0444% | 4,078 |
| Net operating income to assets | 1.5901% | 758 |
| Return on assets (ROA) | 1.5901% | 829 |
| Pretax return on assets | 1.5901% | 1,396 |
| Return on Equity (ROE) | 14.9805% | 814 |
| Retained earnings to average equity (ytd only) | -5.7449% | 6,498 |
| Net charge-offs to loans | 0.0574% | 3,880 |
| Credit loss provision to net charge-offs | 127.7778% | 1,766 |
| Earnings coverage of net charge-offs (x) | 47.0556% | 831 |
| Efficiency ratio | 60.3456% | 5,430 |
| Assets per employee ($millions) | 3.5005% | 4,853 |
| Cash dividends to net income (ytd only)* | 138.3495% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,666 |
| Loan loss allowance to noncurrent loans | 212.7717% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 5,409 |
| Noncurrent loans to loans | 0.5949% | 4,766 |
| Net loans and leases to total assets | 60.1641% | 3,627 |
| Net loans and leases to deposits | 70.6151% | 3,640 |
| Net loans and leases to core deposits | 74.3629% | 3,752 |
| Total domestic deposits to total assets | 85.2001% | 3,800 |
| Equity capital to assets | 10.1385% | 3,737 |
| Core capital (leverage) ratio | 9.8431% | 3,730 |
| Tier 1 risk-based capital ratio | 15.8496% | 3,290 |
| Total risk-based capital ratio | 17.0724% | 3,251 |
| Memoranda: | ||
| Average total assets | $103,640,330 | 4,731 |
| Average earning assets | $97,930,330 | 4,649 |
| Average equity | $11,001,000 | 4,720 |
| Average total loans | $62,671,000 | 4,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 3,338 |
| Cost of funding earning assets | 0.4208% | 4,902 |
| Net interest margin | 3.7712% | 2,562 |
| Noninterest income to average assets | 0.6112% | 3,076 |
| Noninterest expense to average assets | 2.6169% | 4,349 |
| Loan and lease loss provision to assets | 0.0573% | 3,676 |
| Net operating income to assets | 1.4976% | 861 |
| Return on assets (ROA) | 1.4976% | 940 |
| Pretax return on assets | 1.4976% | 1,561 |
| Return on Equity (ROE) | 13.8083% | 996 |
| Retained earnings to average equity (ytd only) | -11.9766% | 6,680 |
| Net charge-offs to loans | -0.0254% | 5,828 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6300% | 5,356 |
| Assets per employee ($millions) | 3.6416% | 4,693 |
| Cash dividends to net income (ytd only)* | 186.7347% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,820 |
| Loan loss allowance to noncurrent loans | 179.9097% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 5,347 |
| Noncurrent loans to loans | 0.7089% | 4,707 |
| Net loans and leases to total assets | 58.4162% | 3,718 |
| Net loans and leases to deposits | 69.7625% | 3,521 |
| Net loans and leases to core deposits | 73.3744% | 3,653 |
| Total domestic deposits to total assets | 83.7358% | 4,580 |
| Equity capital to assets | 10.5439% | 3,496 |
| Core capital (leverage) ratio | 9.5932% | 3,940 |
| Tier 1 risk-based capital ratio | 15.7967% | 3,376 |
| Total risk-based capital ratio | 17.0415% | 3,337 |
| Memoranda: | ||
| Average total assets | $104,703,500 | 4,754 |
| Average earning assets | $98,855,000 | 4,659 |
| Average equity | $11,355,500 | 4,706 |
| Average total loans | $63,077,500 | 4,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 3,570 |
| Cost of funding earning assets | 0.5383% | 4,927 |
| Net interest margin | 3.9218% | 2,735 |
| Noninterest income to average assets | 0.5954% | 3,304 |
| Noninterest expense to average assets | 2.6194% | 4,674 |
| Loan and lease loss provision to assets | 0.0887% | 4,582 |
| Net operating income to assets | 1.5793% | 784 |
| Return on assets (ROA) | 1.6089% | 821 |
| Pretax return on assets | 1.6089% | 1,356 |
| Return on Equity (ROE) | 14.5813% | 894 |
| Retained earnings to average equity (ytd only) | 3.3237% | 3,883 |
| Net charge-offs to loans | -0.0210% | 6,558 |
| Credit loss provision to net charge-offs | -692.3077% | 6,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9678% | 5,543 |
| Assets per employee ($millions) | 3.5793% | 4,827 |
| Cash dividends to net income (ytd only)* | 77.2059% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,013 |
| Loan loss allowance to noncurrent loans | 217.3184% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 5,649 |
| Noncurrent loans to loans | 0.5623% | 5,127 |
| Net loans and leases to total assets | 60.5861% | 3,499 |
| Net loans and leases to deposits | 72.4536% | 3,335 |
| Net loans and leases to core deposits | 76.5520% | 3,454 |
| Total domestic deposits to total assets | 83.6206% | 4,490 |
| Equity capital to assets | 11.1521% | 2,787 |
| Core capital (leverage) ratio | 10.0920% | 3,283 |
| Tier 1 risk-based capital ratio | 16.3095% | 2,991 |
| Total risk-based capital ratio | 17.5248% | 2,967 |
| Memoranda: | ||
| Average total assets | $101,436,000 | 4,793 |
| Average earning assets | $95,492,600 | 4,710 |
| Average equity | $11,192,400 | 4,723 |
| Average total loans | $62,044,000 | 4,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 3,856 |
| Cost of funding earning assets | 0.5560% | 5,034 |
| Net interest margin | 3.8881% | 2,955 |
| Noninterest income to average assets | 0.5897% | 3,345 |
| Noninterest expense to average assets | 2.6112% | 4,700 |
| Loan and lease loss provision to assets | 0.1097% | 4,198 |
| Net operating income to assets | 1.5297% | 972 |
| Return on assets (ROA) | 1.5297% | 1,079 |
| Pretax return on assets | 1.5297% | 1,781 |
| Return on Equity (ROE) | 13.9020% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.2135% | 5,691 |
| Net charge-offs to loans | -0.0238% | 6,535 |
| Credit loss provision to net charge-offs | -754.5455% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2799% | 5,453 |
| Assets per employee ($millions) | 3.5542% | 4,839 |
| Cash dividends to net income (ytd only)* | 91.2701% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,135 |
| Loan loss allowance to noncurrent loans | 180.0937% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 5,654 |
| Noncurrent loans to loans | 0.6837% | 5,072 |
| Net loans and leases to total assets | 59.8436% | 3,811 |
| Net loans and leases to deposits | 72.7133% | 3,495 |
| Net loans and leases to core deposits | 76.9208% | 3,616 |
| Total domestic deposits to total assets | 82.3007% | 4,920 |
| Equity capital to assets | 11.0709% | 3,186 |
| Core capital (leverage) ratio | 10.0608% | 3,455 |
| Tier 1 risk-based capital ratio | 16.2660% | 3,123 |
| Total risk-based capital ratio | 17.4976% | 3,102 |
| Memoranda: | ||
| Average total assets | $100,844,750 | 4,858 |
| Average earning assets | $94,954,500 | 4,771 |
| Average equity | $11,096,500 | 4,785 |
| Average total loans | $61,638,250 | 4,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 3,721 |
| Cost of funding earning assets | 0.5810% | 5,067 |
| Net interest margin | 3.9293% | 2,799 |
| Noninterest income to average assets | 0.5894% | 3,323 |
| Noninterest expense to average assets | 2.6373% | 4,663 |
| Loan and lease loss provision to assets | 0.1199% | 4,030 |
| Net operating income to assets | 1.5344% | 941 |
| Return on assets (ROA) | 1.5344% | 1,055 |
| Pretax return on assets | 1.5344% | 1,764 |
| Return on Equity (ROE) | 13.9742% | 1,126 |
| Retained earnings to average equity (ytd only) | -2.6202% | 6,420 |
| Net charge-offs to loans | -0.0358% | 6,574 |
| Credit loss provision to net charge-offs | -545.4545% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2886% | 5,530 |
| Assets per employee ($millions) | 3.4168% | 5,178 |
| Cash dividends to net income (ytd only)* | 118.7500% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,212 |
| Loan loss allowance to noncurrent loans | 71.0476% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 4,262 |
| Noncurrent loans to loans | 1.7301% | 3,307 |
| Net loans and leases to total assets | 60.4947% | 3,738 |
| Net loans and leases to deposits | 72.1509% | 3,588 |
| Net loans and leases to core deposits | 76.1471% | 3,756 |
| Total domestic deposits to total assets | 83.8447% | 4,382 |
| Equity capital to assets | 11.1830% | 2,912 |
| Core capital (leverage) ratio | 9.9447% | 3,492 |
| Tier 1 risk-based capital ratio | 16.3839% | 2,967 |
| Total risk-based capital ratio | 17.6186% | 2,946 |
| Memoranda: | ||
| Average total assets | $100,102,330 | 4,896 |
| Average earning assets | $94,317,000 | 4,810 |
| Average equity | $10,991,670 | 4,812 |
| Average total loans | $61,367,330 | 4,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 4,048 |
| Cost of funding earning assets | 0.5988% | 5,144 |
| Net interest margin | 3.8667% | 3,068 |
| Noninterest income to average assets | 0.5685% | 3,440 |
| Noninterest expense to average assets | 2.6757% | 4,524 |
| Loan and lease loss provision to assets | 0.1193% | 3,857 |
| Net operating income to assets | 1.4193% | 1,184 |
| Return on assets (ROA) | 1.4193% | 1,328 |
| Pretax return on assets | 1.4193% | 2,126 |
| Return on Equity (ROE) | 13.0447% | 1,394 |
| Retained earnings to average equity (ytd only) | -9.7561% | 6,835 |
| Net charge-offs to loans | -0.0519% | 6,544 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2642% | 5,226 |
| Assets per employee ($millions) | 3.3581% | 5,439 |
| Cash dividends to net income (ytd only)* | 174.7899% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,680 |
| Loan loss allowance to noncurrent loans | 156.7033% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 5,685 |
| Noncurrent loans to loans | 0.7396% | 5,188 |
| Net loans and leases to total assets | 60.3585% | 3,583 |
| Net loans and leases to deposits | 72.3488% | 3,375 |
| Net loans and leases to core deposits | 76.2958% | 3,585 |
| Total domestic deposits to total assets | 83.4271% | 4,742 |
| Equity capital to assets | 10.7243% | 3,231 |
| Core capital (leverage) ratio | 9.6569% | 3,836 |
| Tier 1 risk-based capital ratio | 15.8657% | 3,238 |
| Total risk-based capital ratio | 17.0241% | 3,273 |
| Memoranda: | ||
| Average total assets | $100,609,500 | 4,925 |
| Average earning assets | $94,861,500 | 4,822 |
| Average equity | $10,947,000 | 4,833 |
| Average total loans | $61,706,500 | 4,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 3,937 |
| Cost of funding earning assets | 0.8491% | 4,477 |
| Net interest margin | 3.9218% | 3,248 |
| Noninterest income to average assets | 0.6151% | 3,088 |
| Noninterest expense to average assets | 2.7020% | 4,739 |
| Loan and lease loss provision to assets | 0.1627% | 4,593 |
| Net operating income to assets | 1.4497% | 928 |
| Return on assets (ROA) | 1.4570% | 992 |
| Pretax return on assets | 1.4570% | 1,611 |
| Return on Equity (ROE) | 13.2884% | 1,094 |
| Retained earnings to average equity (ytd only) | 4.5571% | 2,936 |
| Net charge-offs to loans | 0.2318% | 4,331 |
| Credit loss provision to net charge-offs | 111.5108% | 2,982 |
| Earnings coverage of net charge-offs (x) | 11.0504% | 1,764 |
| Efficiency ratio | 62.6277% | 5,365 |
| Assets per employee ($millions) | 3.3492% | 5,382 |
| Cash dividends to net income (ytd only)* | 65.7061% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,849 |
| Loan loss allowance to noncurrent loans | 151.6854% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 5,814 |
| Noncurrent loans to loans | 0.7190% | 5,262 |
| Net loans and leases to total assets | 60.9280% | 3,804 |
| Net loans and leases to deposits | 71.7166% | 3,842 |
| Net loans and leases to core deposits | 75.0975% | 4,086 |
| Total domestic deposits to total assets | 84.9566% | 3,877 |
| Equity capital to assets | 11.0375% | 2,945 |
| Core capital (leverage) ratio | 9.9963% | 3,344 |
| Tier 1 risk-based capital ratio | 16.1712% | 2,964 |
| Total risk-based capital ratio | 17.2606% | 3,003 |
| Memoranda: | ||
| Average total assets | $95,262,600 | 5,036 |
| Average earning assets | $89,857,200 | 4,940 |
| Average equity | $10,445,200 | 4,913 |
| Average total loans | $59,970,000 | 4,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 3,964 |
| Cost of funding earning assets | 0.8924% | 4,451 |
| Net interest margin | 3.9211% | 3,272 |
| Noninterest income to average assets | 0.6201% | 3,051 |
| Noninterest expense to average assets | 2.7345% | 4,598 |
| Loan and lease loss provision to assets | 0.1135% | 5,003 |
| Net operating income to assets | 1.4758% | 994 |
| Return on assets (ROA) | 1.4758% | 1,075 |
| Pretax return on assets | 1.4758% | 1,716 |
| Return on Equity (ROE) | 13.4834% | 1,161 |
| Retained earnings to average equity (ytd only) | 1.6595% | 5,307 |
| Net charge-offs to loans | 0.2040% | 4,172 |
| Credit loss provision to net charge-offs | 87.9121% | 3,854 |
| Earnings coverage of net charge-offs (x) | 12.3078% | 1,721 |
| Efficiency ratio | 63.2425% | 5,190 |
| Assets per employee ($millions) | 3.5142% | 4,955 |
| Cash dividends to net income (ytd only)* | 87.6925% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 6,038 |
| Loan loss allowance to noncurrent loans | 140.5640% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 5,775 |
| Noncurrent loans to loans | 0.7485% | 5,381 |
| Net loans and leases to total assets | 59.7981% | 4,164 |
| Net loans and leases to deposits | 70.8002% | 4,165 |
| Net loans and leases to core deposits | 75.1851% | 4,299 |
| Total domestic deposits to total assets | 84.4603% | 4,029 |
| Equity capital to assets | 10.6454% | 3,518 |
| Core capital (leverage) ratio | 9.6570% | 3,907 |
| Tier 1 risk-based capital ratio | 15.7165% | 3,268 |
| Total risk-based capital ratio | 16.7711% | 3,339 |
| Memoranda: | ||
| Average total assets | $93,959,250 | 5,103 |
| Average earning assets | $88,748,000 | 5,000 |
| Average equity | $10,284,000 | 4,970 |
| Average total loans | $59,489,250 | 4,923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,778 |
| Cost of funding earning assets | 0.9388% | 4,399 |
| Net interest margin | 3.9267% | 3,186 |
| Noninterest income to average assets | 0.6221% | 2,995 |
| Noninterest expense to average assets | 2.7665% | 4,560 |
| Loan and lease loss provision to assets | 0.1270% | 4,703 |
| Net operating income to assets | 1.4391% | 1,002 |
| Return on assets (ROA) | 1.4391% | 1,061 |
| Pretax return on assets | 1.4391% | 1,697 |
| Return on Equity (ROE) | 13.0155% | 1,193 |
| Retained earnings to average equity (ytd only) | -2.6744% | 6,331 |
| Net charge-offs to loans | 0.2892% | 3,431 |
| Credit loss provision to net charge-offs | 68.2353% | 4,104 |
| Earnings coverage of net charge-offs (x) | 8.4118% | 2,062 |
| Efficiency ratio | 63.8524% | 5,266 |
| Assets per employee ($millions) | 3.5332% | 4,845 |
| Cash dividends to net income (ytd only)* | 120.5479% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,156 |
| Loan loss allowance to noncurrent loans | 127.2177% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 5,824 |
| Noncurrent loans to loans | 0.8226% | 5,289 |
| Net loans and leases to total assets | 60.3113% | 4,214 |
| Net loans and leases to deposits | 70.8093% | 4,321 |
| Net loans and leases to core deposits | 74.5806% | 4,497 |
| Total domestic deposits to total assets | 85.1744% | 3,799 |
| Equity capital to assets | 10.5064% | 3,495 |
| Core capital (leverage) ratio | 9.5706% | 3,854 |
| Tier 1 risk-based capital ratio | 15.5846% | 3,194 |
| Total risk-based capital ratio | 16.6326% | 3,257 |
| Memoranda: | ||
| Average total assets | $91,308,000 | 5,225 |
| Average earning assets | $86,281,670 | 5,121 |
| Average equity | $10,095,670 | 5,028 |
| Average total loans | $58,789,000 | 5,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 3,724 |
| Cost of funding earning assets | 0.9875% | 4,287 |
| Net interest margin | 3.8822% | 3,230 |
| Noninterest income to average assets | 0.6217% | 3,028 |
| Noninterest expense to average assets | 2.9258% | 3,965 |
| Loan and lease loss provision to assets | 0.1600% | 4,028 |
| Net operating income to assets | 1.2023% | 1,515 |
| Return on assets (ROA) | 1.2023% | 1,562 |
| Pretax return on assets | 1.2023% | 2,358 |
| Return on Equity (ROE) | 10.5766% | 1,881 |
| Retained earnings to average equity (ytd only) | -12.1048% | 6,945 |
| Net charge-offs to loans | 0.0414% | 4,535 |
| Credit loss provision to net charge-offs | 583.3333% | 643 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 583 |
| Efficiency ratio | 68.2303% | 4,616 |
| Assets per employee ($millions) | 3.5269% | 4,933 |
| Cash dividends to net income (ytd only)* | 214.4487% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,724 |
| Loan loss allowance to noncurrent loans | 108.8608% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 5,618 |
| Noncurrent loans to loans | 1.0827% | 4,885 |
| Net loans and leases to total assets | 58.4110% | 4,573 |
| Net loans and leases to deposits | 67.9755% | 4,681 |
| Net loans and leases to core deposits | 71.5462% | 4,850 |
| Total domestic deposits to total assets | 85.9294% | 3,563 |
| Equity capital to assets | 9.9238% | 3,868 |
| Core capital (leverage) ratio | 10.1756% | 2,949 |
| Tier 1 risk-based capital ratio | 16.3502% | 2,730 |
| Total risk-based capital ratio | 17.5113% | 2,741 |
| Memoranda: | ||
| Average total assets | $87,497,000 | 5,369 |
| Average earning assets | $82,634,000 | 5,284 |
| Average equity | $9,946,500 | 5,059 |
| Average total loans | $58,035,000 | 5,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7177% | 1,507 |
| Cost of funding earning assets | 1.1149% | 5,052 |
| Net interest margin | 4.6028% | 1,005 |
| Noninterest income to average assets | 0.6965% | 2,858 |
| Noninterest expense to average assets | 3.0678% | 3,599 |
| Loan and lease loss provision to assets | 0.1158% | 5,999 |
| Net operating income to assets | 1.8172% | 396 |
| Return on assets (ROA) | 1.8172% | 431 |
| Pretax return on assets | 1.8172% | 732 |
| Return on Equity (ROE) | 13.2846% | 1,027 |
| Retained earnings to average equity (ytd only) | 3.9180% | 3,115 |
| Net charge-offs to loans | 0.0093% | 6,743 |
| Credit loss provision to net charge-offs | 1,660.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 83 |
| Efficiency ratio | 61.3452% | 5,838 |
| Assets per employee ($millions) | 3.1768% | 5,725 |
| Cash dividends to net income (ytd only)* | 70.5069% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,771 |
| Loan loss allowance to noncurrent loans | 87.9840% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0217% | 4,959 |
| Noncurrent loans to loans | 1.2981% | 4,546 |
| Net loans and leases to total assets | 74.8157% | 1,513 |
| Net loans and leases to deposits | 91.9290% | 1,271 |
| Net loans and leases to core deposits | 96.3124% | 1,971 |
| Total domestic deposits to total assets | 81.3843% | 5,396 |
| Equity capital to assets | 13.2381% | 1,279 |
| Core capital (leverage) ratio | 13.5732% | 964 |
| Tier 1 risk-based capital ratio | 18.3158% | 1,905 |
| Total risk-based capital ratio | 19.5240% | 1,873 |
| Memoranda: | ||
| Average total assets | $71,646,800 | 5,828 |
| Average earning assets | $67,002,000 | 5,769 |
| Average equity | $9,800,800 | 5,186 |
| Average total loans | $53,789,400 | 5,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 1,514 |
| Cost of funding earning assets | 1.1499% | 5,150 |
| Net interest margin | 4.6096% | 1,021 |
| Noninterest income to average assets | 0.6998% | 2,813 |
| Noninterest expense to average assets | 3.0865% | 3,395 |
| Loan and lease loss provision to assets | 0.1135% | 5,897 |
| Net operating income to assets | 1.8062% | 495 |
| Return on assets (ROA) | 1.8062% | 540 |
| Pretax return on assets | 1.8062% | 914 |
| Return on Equity (ROE) | 13.0894% | 1,232 |
| Retained earnings to average equity (ytd only) | 0.5071% | 5,595 |
| Net charge-offs to loans | -0.0480% | 7,465 |
| Credit loss provision to net charge-offs | -315.7895% | 6,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6547% | 5,675 |
| Assets per employee ($millions) | 3.0861% | 5,951 |
| Cash dividends to net income (ytd only)* | 96.1258% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,650 |
| Loan loss allowance to noncurrent loans | 131.4741% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 5,673 |
| Noncurrent loans to loans | 0.8854% | 5,464 |
| Net loans and leases to total assets | 75.6599% | 1,466 |
| Net loans and leases to deposits | 92.7522% | 1,358 |
| Net loans and leases to core deposits | 98.7907% | 1,960 |
| Total domestic deposits to total assets | 81.5721% | 5,172 |
| Equity capital to assets | 13.4122% | 1,384 |
| Core capital (leverage) ratio | 13.5224% | 1,057 |
| Tier 1 risk-based capital ratio | 18.1132% | 1,996 |
| Total risk-based capital ratio | 19.3530% | 1,954 |
| Memoranda: | ||
| Average total assets | $70,498,000 | 5,933 |
| Average earning assets | $65,861,000 | 5,864 |
| Average equity | $9,727,750 | 5,279 |
| Average total loans | $52,811,750 | 5,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7526% | 1,545 |
| Cost of funding earning assets | 1.1900% | 5,186 |
| Net interest margin | 4.5626% | 1,081 |
| Noninterest income to average assets | 0.6926% | 2,749 |
| Noninterest expense to average assets | 3.1136% | 3,249 |
| Loan and lease loss provision to assets | 0.1299% | 5,582 |
| Net operating income to assets | 1.7199% | 567 |
| Return on assets (ROA) | 1.7199% | 621 |
| Pretax return on assets | 1.7199% | 1,026 |
| Return on Equity (ROE) | 12.3408% | 1,372 |
| Retained earnings to average equity (ytd only) | -4.1826% | 6,461 |
| Net charge-offs to loans | -0.0388% | 7,406 |
| Credit loss provision to net charge-offs | -450.0000% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7326% | 5,567 |
| Assets per employee ($millions) | 2.9230% | 6,309 |
| Cash dividends to net income (ytd only)* | 133.8926% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,565 |
| Loan loss allowance to noncurrent loans | 150.2358% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 5,876 |
| Noncurrent loans to loans | 0.7839% | 5,708 |
| Net loans and leases to total assets | 76.1906% | 1,456 |
| Net loans and leases to deposits | 93.3364% | 1,361 |
| Net loans and leases to core deposits | 99.7239% | 2,051 |
| Total domestic deposits to total assets | 81.6302% | 5,140 |
| Equity capital to assets | 13.8127% | 1,240 |
| Core capital (leverage) ratio | 13.4507% | 1,074 |
| Tier 1 risk-based capital ratio | 18.7736% | 1,773 |
| Total risk-based capital ratio | 20.0232% | 1,746 |
| Memoranda: | ||
| Average total assets | $69,308,330 | 5,997 |
| Average earning assets | $64,874,670 | 5,929 |
| Average equity | $9,659,000 | 5,296 |
| Average total loans | $51,516,000 | 5,540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 1,833 |
| Cost of funding earning assets | 1.2152% | 5,311 |
| Net interest margin | 4.4700% | 1,209 |
| Noninterest income to average assets | 0.6678% | 2,830 |
| Noninterest expense to average assets | 3.2750% | 2,615 |
| Loan and lease loss provision to assets | 0.1742% | 4,778 |
| Net operating income to assets | 1.4052% | 1,062 |
| Return on assets (ROA) | 1.4052% | 1,134 |
| Pretax return on assets | 1.4052% | 1,763 |
| Return on Equity (ROE) | 10.0378% | 2,087 |
| Retained earnings to average equity (ytd only) | -13.1073% | 7,126 |
| Net charge-offs to loans | 0.0080% | 5,483 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 123 |
| Efficiency ratio | 67.4641% | 4,824 |
| Assets per employee ($millions) | 2.8882% | 6,467 |
| Cash dividends to net income (ytd only)* | 230.5785% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,513 |
| Loan loss allowance to noncurrent loans | 220.5776% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 6,473 |
| Noncurrent loans to loans | 0.5432% | 6,204 |
| Net loans and leases to total assets | 72.6806% | 2,288 |
| Net loans and leases to deposits | 89.6744% | 1,953 |
| Net loans and leases to core deposits | 95.9034% | 2,603 |
| Total domestic deposits to total assets | 81.0494% | 5,445 |
| Equity capital to assets | 13.7297% | 1,233 |
| Core capital (leverage) ratio | 13.6204% | 1,048 |
| Tier 1 risk-based capital ratio | 19.5897% | 1,607 |
| Total risk-based capital ratio | 20.8400% | 1,570 |
| Memoranda: | ||
| Average total assets | $68,886,000 | 6,073 |
| Average earning assets | $64,518,500 | 6,016 |
| Average equity | $9,643,500 | 5,334 |
| Average total loans | $50,230,500 | 5,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0697% | 1,601 |
| Cost of funding earning assets | 1.5166% | 5,451 |
| Net interest margin | 4.5531% | 1,068 |
| Noninterest income to average assets | 0.7138% | 2,875 |
| Noninterest expense to average assets | 2.9846% | 4,211 |
| Loan and lease loss provision to assets | 0.1561% | 6,110 |
| Net operating income to assets | 1.8366% | 332 |
| Return on assets (ROA) | 1.9719% | 252 |
| Pretax return on assets | 1.9719% | 430 |
| Return on Equity (ROE) | 14.3283% | 731 |
| Retained earnings to average equity (ytd only) | 4.4735% | 2,122 |
| Net charge-offs to loans | 0.0944% | 6,187 |
| Credit loss provision to net charge-offs | 233.3333% | 1,559 |
| Earnings coverage of net charge-offs (x) | 29.7778% | 773 |
| Efficiency ratio | 59.9641% | 6,500 |
| Assets per employee ($millions) | 2.8523% | 6,555 |
| Cash dividends to net income (ytd only)* | 68.7783% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,491 |
| Loan loss allowance to noncurrent loans | 178.5276% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 6,260 |
| Noncurrent loans to loans | 0.6590% | 5,922 |
| Net loans and leases to total assets | 71.4163% | 2,906 |
| Net loans and leases to deposits | 89.5237% | 2,293 |
| Net loans and leases to core deposits | 110.3118% | 2,862 |
| Total domestic deposits to total assets | 79.7736% | 5,743 |
| Equity capital to assets | 14.2721% | 1,089 |
| Core capital (leverage) ratio | 14.0305% | 972 |
| Tier 1 risk-based capital ratio | 20.4845% | 1,373 |
| Total risk-based capital ratio | 21.7256% | 1,344 |
| Memoranda: | ||
| Average total assets | $67,245,600 | 6,098 |
| Average earning assets | $62,968,200 | 6,037 |
| Average equity | $9,254,400 | 5,529 |
| Average total loans | $47,652,600 | 5,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1370% | 1,535 |
| Cost of funding earning assets | 1.5747% | 5,518 |
| Net interest margin | 4.5623% | 1,051 |
| Noninterest income to average assets | 0.7130% | 2,931 |
| Noninterest expense to average assets | 2.9258% | 4,335 |
| Loan and lease loss provision to assets | 0.1195% | 6,171 |
| Net operating income to assets | 1.9379% | 332 |
| Return on assets (ROA) | 2.1192% | 244 |
| Pretax return on assets | 2.1192% | 422 |
| Return on Equity (ROE) | 15.5458% | 706 |
| Retained earnings to average equity (ytd only) | 2.2208% | 4,087 |
| Net charge-offs to loans | 0.0932% | 5,748 |
| Credit loss provision to net charge-offs | 181.8182% | 2,511 |
| Earnings coverage of net charge-offs (x) | 31.3023% | 908 |
| Efficiency ratio | 58.7130% | 6,610 |
| Assets per employee ($millions) | 3.0710% | 5,984 |
| Cash dividends to net income (ytd only)* | 85.7144% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,731 |
| Loan loss allowance to noncurrent loans | 249.0909% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 6,665 |
| Noncurrent loans to loans | 0.4412% | 6,447 |
| Net loans and leases to total assets | 72.9948% | 2,793 |
| Net loans and leases to deposits | 90.7963% | 2,430 |
| Net loans and leases to core deposits | 112.2272% | 3,000 |
| Total domestic deposits to total assets | 80.3940% | 5,294 |
| Equity capital to assets | 13.8497% | 1,358 |
| Core capital (leverage) ratio | 14.0837% | 1,073 |
| Tier 1 risk-based capital ratio | 19.9603% | 1,568 |
| Total risk-based capital ratio | 21.1310% | 1,537 |
| Memoranda: | ||
| Average total assets | $66,943,250 | 6,156 |
| Average earning assets | $62,656,750 | 6,082 |
| Average equity | $9,125,500 | 5,623 |
| Average total loans | $47,198,250 | 5,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1906% | 1,487 |
| Cost of funding earning assets | 1.6323% | 5,597 |
| Net interest margin | 4.5583% | 1,041 |
| Noninterest income to average assets | 0.7013% | 2,986 |
| Noninterest expense to average assets | 2.8979% | 4,506 |
| Loan and lease loss provision to assets | 0.0899% | 6,272 |
| Net operating income to assets | 1.9899% | 305 |
| Return on assets (ROA) | 2.2626% | 189 |
| Pretax return on assets | 2.2626% | 314 |
| Return on Equity (ROE) | 16.6882% | 617 |
| Retained earnings to average equity (ytd only) | -0.5526% | 5,364 |
| Net charge-offs to loans | 0.0864% | 5,343 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 34.7000% | 900 |
| Efficiency ratio | 58.2179% | 6,833 |
| Assets per employee ($millions) | 3.0639% | 5,966 |
| Cash dividends to net income (ytd only)* | 103.3113% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,733 |
| Loan loss allowance to noncurrent loans | 234.9558% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,619 |
| Noncurrent loans to loans | 0.4596% | 6,375 |
| Net loans and leases to total assets | 72.1712% | 3,169 |
| Net loans and leases to deposits | 87.5529% | 3,248 |
| Net loans and leases to core deposits | 108.1645% | 3,594 |
| Total domestic deposits to total assets | 82.4316% | 4,510 |
| Equity capital to assets | 13.1622% | 1,630 |
| Core capital (leverage) ratio | 13.8944% | 1,163 |
| Tier 1 risk-based capital ratio | 19.9387% | 1,593 |
| Total risk-based capital ratio | 21.0937% | 1,564 |
| Memoranda: | ||
| Average total assets | $66,737,330 | 6,196 |
| Average earning assets | $62,611,330 | 6,124 |
| Average equity | $9,048,330 | 5,667 |
| Average total loans | $46,309,670 | 5,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3641% | 1,146 |
| Cost of funding earning assets | 1.6937% | 5,625 |
| Net interest margin | 4.6704% | 816 |
| Noninterest income to average assets | 0.7229% | 2,747 |
| Noninterest expense to average assets | 2.8794% | 4,233 |
| Loan and lease loss provision to assets | 0.0904% | 5,806 |
| Net operating income to assets | 2.1384% | 261 |
| Return on assets (ROA) | 2.1384% | 302 |
| Pretax return on assets | 2.1384% | 504 |
| Return on Equity (ROE) | 15.5421% | 887 |
| Retained earnings to average equity (ytd only) | -7.5740% | 6,860 |
| Net charge-offs to loans | -0.0357% | 7,604 |
| Credit loss provision to net charge-offs | -375.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3679% | 6,916 |
| Assets per employee ($millions) | 3.0014% | 6,145 |
| Cash dividends to net income (ytd only)* | 148.7324% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 4,953 |
| Loan loss allowance to noncurrent loans | 278.3505% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 6,638 |
| Noncurrent loans to loans | 0.4229% | 6,363 |
| Net loans and leases to total assets | 68.6597% | 3,987 |
| Net loans and leases to deposits | 82.8206% | 4,160 |
| Net loans and leases to core deposits | 103.0387% | 4,239 |
| Total domestic deposits to total assets | 82.9017% | 4,192 |
| Equity capital to assets | 13.4212% | 1,562 |
| Core capital (leverage) ratio | 13.6014% | 1,296 |
| Tier 1 risk-based capital ratio | 20.4365% | 1,533 |
| Total risk-based capital ratio | 21.6602% | 1,511 |
| Memoranda: | ||
| Average total assets | $66,403,500 | 6,238 |
| Average earning assets | $62,350,000 | 6,163 |
| Average equity | $9,136,500 | 5,643 |
| Average total loans | $44,875,500 | 6,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7943% | 1,696 |
| Cost of funding earning assets | 2.3010% | 5,148 |
| Net interest margin | 4.4933% | 1,445 |
| Noninterest income to average assets | 0.7379% | 2,858 |
| Noninterest expense to average assets | 2.9258% | 4,355 |
| Loan and lease loss provision to assets | 0.0955% | 6,167 |
| Net operating income to assets | 1.9091% | 422 |
| Return on assets (ROA) | 1.9167% | 404 |
| Pretax return on assets | 1.9167% | 738 |
| Return on Equity (ROE) | 14.2500% | 1,058 |
| Retained earnings to average equity (ytd only) | 2.3543% | 3,737 |
| Net charge-offs to loans | 0.1263% | 4,977 |
| Credit loss provision to net charge-offs | 118.8679% | 4,534 |
| Earnings coverage of net charge-offs (x) | 24.9623% | 1,357 |
| Efficiency ratio | 59.3423% | 6,466 |
| Assets per employee ($millions) | 3.0353% | 5,969 |
| Cash dividends to net income (ytd only)* | 83.4783% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,640 |
| Loan loss allowance to noncurrent loans | 313.8554% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,586 |
| Noncurrent loans to loans | 0.3783% | 6,219 |
| Net loans and leases to total assets | 64.9236% | 5,078 |
| Net loans and leases to deposits | 79.3986% | 5,149 |
| Net loans and leases to core deposits | 99.0541% | 4,924 |
| Total domestic deposits to total assets | 81.7692% | 4,289 |
| Equity capital to assets | 14.0932% | 1,400 |
| Core capital (leverage) ratio | 13.8640% | 1,287 |
| Tier 1 risk-based capital ratio | 21.3643% | 1,412 |
| Total risk-based capital ratio | 22.5752% | 1,381 |
| Memoranda: | ||
| Average total assets | $65,999,800 | 6,162 |
| Average earning assets | $61,581,000 | 6,105 |
| Average equity | $8,877,200 | 5,780 |
| Average total loans | $41,978,400 | 6,077 |