Home > Liberty Capital Bank > Performance and Condition Ratios
Liberty Capital Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4688% | 650 |
| Cost of funding earning assets | 2.3397% | 1,144 |
| Net interest margin | 4.1290% | 1,062 |
| Noninterest income to average assets | 0.0300% | 4,340 |
| Noninterest expense to average assets | 1.9649% | 3,620 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.9800% | 471 |
| Return on assets (ROA) | 1.9800% | 472 |
| Pretax return on assets | 1.9800% | 721 |
| Return on Equity (ROE) | 16.7900% | 790 |
| Retained earnings to average equity (ytd only) | -11.7267% | 4,288 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 48.2238% | 3,995 |
| Assets per employee ($millions) | 13.5438% | 309 |
| Cash dividends to net income (ytd only)* | 169.8519% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 2,778 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 84.7400% | 209 |
| Net loans and leases to deposits | 96.3442% | 596 |
| Net loans and leases to core deposits | 99.9320% | 1,374 |
| Total domestic deposits to total assets | 87.9600% | 1,564 |
| Equity capital to assets | 11.7285% | 1,336 |
| Core capital (leverage) ratio | 11.7901% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1647% | 1,467 |
| Memoranda: | ||
| Average total assets | $422,829,500 | 2,001 |
| Average earning assets | $414,237,500 | 1,932 |
| Average equity | $49,869,000 | 1,753 |
| Average total loans | $354,302,000 | 1,694 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1553% | 1,101 |
| Cost of funding earning assets | 2.4569% | 1,236 |
| Net interest margin | 3.6984% | 1,688 |
| Noninterest income to average assets | 0.0300% | 4,404 |
| Noninterest expense to average assets | 1.8572% | 3,866 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.6952% | 663 |
| Return on assets (ROA) | 1.4114% | 1,046 |
| Pretax return on assets | 1.4114% | 1,482 |
| Return on Equity (ROE) | 11.9200% | 1,636 |
| Retained earnings to average equity (ytd only) | 3.7662% | 2,726 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 50.7264% | 3,950 |
| Assets per employee ($millions) | 13.3063% | 317 |
| Cash dividends to net income (ytd only)* | 68.4010% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 2,775 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 81.0500% | 530 |
| Net loans and leases to deposits | 92.3733% | 1,003 |
| Net loans and leases to core deposits | 95.4451% | 1,744 |
| Total domestic deposits to total assets | 87.7400% | 1,615 |
| Equity capital to assets | 11.8588% | 1,232 |
| Core capital (leverage) ratio | 12.0702% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5540% | 1,375 |
| Memoranda: | ||
| Average total assets | $409,871,200 | 2,011 |
| Average earning assets | $402,415,000 | 1,942 |
| Average equity | $48,536,400 | 1,747 |
| Average total loans | $305,944,000 | 1,831 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 1,187 |
| Cost of funding earning assets | 2.4724% | 1,222 |
| Net interest margin | 3.5801% | 1,876 |
| Noninterest income to average assets | 0.0300% | 4,423 |
| Noninterest expense to average assets | 1.8671% | 3,811 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.6277% | 780 |
| Return on assets (ROA) | 1.2456% | 1,434 |
| Pretax return on assets | 1.2456% | 1,892 |
| Return on Equity (ROE) | 10.5200% | 2,050 |
| Retained earnings to average equity (ytd only) | 1.3459% | 3,628 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 52.6784% | 3,825 |
| Assets per employee ($millions) | 12.4283% | 390 |
| Cash dividends to net income (ytd only)* | 87.2099% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 2,835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 77.4100% | 944 |
| Net loans and leases to deposits | 88.4181% | 1,388 |
| Net loans and leases to core deposits | 91.6754% | 2,030 |
| Total domestic deposits to total assets | 87.5500% | 1,405 |
| Equity capital to assets | 12.0833% | 1,252 |
| Core capital (leverage) ratio | 12.3737% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9811% | 1,304 |
| Memoranda: | ||
| Average total assets | $405,888,750 | 2,025 |
| Average earning assets | $398,305,750 | 1,954 |
| Average equity | $48,046,750 | 1,752 |
| Average total loans | $295,207,000 | 1,861 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8427% | 1,390 |
| Cost of funding earning assets | 2.4094% | 1,240 |
| Net interest margin | 3.4333% | 2,101 |
| Noninterest income to average assets | 0.0300% | 4,441 |
| Noninterest expense to average assets | 1.8666% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5403% | 856 |
| Return on assets (ROA) | 0.9652% | 2,106 |
| Pretax return on assets | 0.9652% | 2,576 |
| Return on Equity (ROE) | 8.2100% | 2,688 |
| Retained earnings to average equity (ytd only) | -2.9657% | 4,212 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.7896% | 3,682 |
| Assets per employee ($millions) | 12.5705% | 351 |
| Cash dividends to net income (ytd only)* | 136.1168% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 2,682 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.9200% | 1,788 |
| Net loans and leases to deposits | 80.4950% | 2,161 |
| Net loans and leases to core deposits | 84.5949% | 2,486 |
| Total domestic deposits to total assets | 88.1100% | 1,292 |
| Equity capital to assets | 11.5540% | 1,324 |
| Core capital (leverage) ratio | 12.4522% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8298% | 1,116 |
| Memoranda: | ||
| Average total assets | $404,473,333 | 2,027 |
| Average earning assets | $397,521,333 | 1,952 |
| Average equity | $47,543,000 | 1,744 |
| Average total loans | $286,618,333 | 1,891 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 1,332 |
| Cost of funding earning assets | 2.3599% | 1,239 |
| Net interest margin | 3.4246% | 2,045 |
| Noninterest income to average assets | 0.0400% | 4,422 |
| Noninterest expense to average assets | 1.8322% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5678% | 809 |
| Return on assets (ROA) | 1.5678% | 821 |
| Pretax return on assets | 1.5678% | 1,142 |
| Return on Equity (ROE) | 13.2200% | 1,290 |
| Retained earnings to average equity (ytd only) | -3.7339% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 53.8892% | 3,770 |
| Assets per employee ($millions) | 12.9712% | 320 |
| Cash dividends to net income (ytd only)* | 128.2428% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,541 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 73.5400% | 1,397 |
| Net loans and leases to deposits | 88.7600% | 1,289 |
| Net loans and leases to core deposits | 93.8432% | 1,798 |
| Total domestic deposits to total assets | 82.8500% | 3,012 |
| Equity capital to assets | 12.1004% | 1,095 |
| Core capital (leverage) ratio | 12.4591% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5010% | 1,001 |
| Memoranda: | ||
| Average total assets | $399,297,500 | 2,048 |
| Average earning assets | $392,224,000 | 1,974 |
| Average equity | $47,350,000 | 1,738 |
| Average total loans | $281,159,000 | 1,907 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 1,855 |
| Cost of funding earning assets | 1.8562% | 1,153 |
| Net interest margin | 3.2420% | 2,770 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.5978% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6702% | 771 |
| Return on assets (ROA) | 1.6716% | 740 |
| Pretax return on assets | 1.6716% | 1,116 |
| Return on Equity (ROE) | 15.7000% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.2042% | 962 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.8921% | 4,045 |
| Assets per employee ($millions) | 13.6486% | 276 |
| Cash dividends to net income (ytd only)* | 35.0092% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,171 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.8100% | 2,274 |
| Net loans and leases to deposits | 79.2092% | 2,172 |
| Net loans and leases to core deposits | 82.7908% | 2,539 |
| Total domestic deposits to total assets | 83.0900% | 2,870 |
| Equity capital to assets | 11.6283% | 1,243 |
| Core capital (leverage) ratio | 11.9297% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7413% | 817 |
| Memoranda: | ||
| Average total assets | $421,207,200 | 1,948 |
| Average earning assets | $414,557,000 | 1,859 |
| Average equity | $44,844,400 | 1,736 |
| Average total loans | $254,411,200 | 1,980 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 2,153 |
| Cost of funding earning assets | 1.7140% | 1,161 |
| Net interest margin | 3.1432% | 3,045 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.6180% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5035% | 1,118 |
| Return on assets (ROA) | 1.5054% | 1,101 |
| Pretax return on assets | 1.5054% | 1,545 |
| Return on Equity (ROE) | 14.4600% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.0261% | 1,681 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.8328% | 3,765 |
| Assets per employee ($millions) | 13.9073% | 249 |
| Cash dividends to net income (ytd only)* | 37.5861% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 1,988 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.8400% | 2,864 |
| Net loans and leases to deposits | 70.8474% | 2,787 |
| Net loans and leases to core deposits | 74.7139% | 2,948 |
| Total domestic deposits to total assets | 84.4600% | 2,651 |
| Equity capital to assets | 10.4329% | 1,588 |
| Core capital (leverage) ratio | 11.8131% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8874% | 826 |
| Memoranda: | ||
| Average total assets | $424,144,250 | 1,939 |
| Average earning assets | $417,571,250 | 1,845 |
| Average equity | $44,152,250 | 1,742 |
| Average total loans | $249,810,250 | 2,001 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 2,313 |
| Cost of funding earning assets | 1.5311% | 1,188 |
| Net interest margin | 3.1158% | 3,181 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 1.6462% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4466% | 1,222 |
| Return on assets (ROA) | 1.4490% | 1,201 |
| Pretax return on assets | 1.4490% | 1,701 |
| Return on Equity (ROE) | 13.9300% | 1,694 |
| Retained earnings to average equity (ytd only) | 8.6880% | 1,769 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.2270% | 3,676 |
| Assets per employee ($millions) | 13.3059% | 278 |
| Cash dividends to net income (ytd only)* | 37.6309% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,643 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.1400% | 2,758 |
| Net loans and leases to deposits | 72.1316% | 2,643 |
| Net loans and leases to core deposits | 76.5090% | 2,727 |
| Total domestic deposits to total assets | 83.3700% | 2,968 |
| Equity capital to assets | 11.1442% | 1,326 |
| Core capital (leverage) ratio | 11.5203% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5035% | 760 |
| Memoranda: | ||
| Average total assets | $421,817,000 | 1,946 |
| Average earning assets | $415,113,000 | 1,858 |
| Average equity | $43,876,667 | 1,755 |
| Average total loans | $245,975,000 | 2,017 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,923 |
| Cost of funding earning assets | 1.0427% | 1,903 |
| Net interest margin | 3.2087% | 3,093 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 1.5763% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6133% | 958 |
| Return on assets (ROA) | 1.6133% | 959 |
| Pretax return on assets | 1.6133% | 1,430 |
| Return on Equity (ROE) | 16.0300% | 1,349 |
| Retained earnings to average equity (ytd only) | 11.4384% | 1,371 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.4206% | 3,986 |
| Assets per employee ($millions) | 14.1309% | 240 |
| Cash dividends to net income (ytd only)* | 28.6369% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,110 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.4700% | 2,826 |
| Net loans and leases to deposits | 73.7279% | 2,315 |
| Net loans and leases to core deposits | 76.7644% | 2,477 |
| Total domestic deposits to total assets | 79.3100% | 3,866 |
| Equity capital to assets | 10.6714% | 1,473 |
| Core capital (leverage) ratio | 11.8589% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7834% | 762 |
| Memoranda: | ||
| Average total assets | $432,911,500 | 1,933 |
| Average earning assets | $426,219,000 | 1,843 |
| Average equity | $43,572,500 | 1,781 |
| Average total loans | $247,270,000 | 2,036 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3998% | 3,346 |
| Cost of funding earning assets | 0.2636% | 3,216 |
| Net interest margin | 3.1362% | 3,071 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 1.3481% | 4,540 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7474% | 491 |
| Return on assets (ROA) | 1.7474% | 465 |
| Pretax return on assets | 1.7474% | 819 |
| Return on Equity (ROE) | 19.1600% | 549 |
| Retained earnings to average equity (ytd only) | 12.1869% | 633 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.1914% | 4,454 |
| Assets per employee ($millions) | 16.8899% | 147 |
| Cash dividends to net income (ytd only)* | 36.3956% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,126 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.4900% | 3,150 |
| Net loans and leases to deposits | 63.5285% | 3,078 |
| Net loans and leases to core deposits | 66.4159% | 3,102 |
| Total domestic deposits to total assets | 85.7800% | 2,786 |
| Equity capital to assets | 9.5200% | 1,990 |
| Core capital (leverage) ratio | 9.9583% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0073% | 829 |
| Memoranda: | ||
| Average total assets | $455,988,600 | 1,841 |
| Average earning assets | $449,583,200 | 1,762 |
| Average equity | $41,585,600 | 1,871 |
| Average total loans | $253,048,600 | 1,918 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0741% | 3,729 |
| Cost of funding earning assets | 0.1246% | 4,084 |
| Net interest margin | 2.9495% | 3,359 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.3477% | 4,552 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5553% | 731 |
| Return on assets (ROA) | 1.5553% | 713 |
| Pretax return on assets | 1.5553% | 1,247 |
| Return on Equity (ROE) | 17.2400% | 752 |
| Retained earnings to average equity (ytd only) | 11.8941% | 822 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.8835% | 4,386 |
| Assets per employee ($millions) | 17.6740% | 132 |
| Cash dividends to net income (ytd only)* | 31.0209% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,199 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.5400% | 3,329 |
| Net loans and leases to deposits | 56.5874% | 3,432 |
| Net loans and leases to core deposits | 57.5951% | 3,528 |
| Total domestic deposits to total assets | 91.0900% | 1,207 |
| Equity capital to assets | 8.6333% | 2,453 |
| Core capital (leverage) ratio | 9.6088% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5812% | 912 |
| Memoranda: | ||
| Average total assets | $455,978,750 | 1,847 |
| Average earning assets | $449,558,250 | 1,770 |
| Average equity | $41,128,500 | 1,912 |
| Average total loans | $253,526,000 | 1,922 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7864% | 4,004 |
| Cost of funding earning assets | 0.0976% | 4,214 |
| Net interest margin | 2.6889% | 3,722 |
| Noninterest income to average assets | 0.0290% | 4,685 |
| Noninterest expense to average assets | 1.3776% | 4,546 |
| Loan and lease loss provision to assets | 0.0521% | 1,646 |
| Net operating income to assets | 1.2515% | 1,273 |
| Return on assets (ROA) | 1.2515% | 1,259 |
| Pretax return on assets | 1.2515% | 1,896 |
| Return on Equity (ROE) | 13.6673% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.8504% | 1,334 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3792% | 4,173 |
| Assets per employee ($millions) | 17.2113% | 137 |
| Cash dividends to net income (ytd only)* | 35.2439% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.4241% | 3,015 |
| Net loans and leases to deposits | 58.6438% | 3,166 |
| Net loans and leases to core deposits | 59.7163% | 3,292 |
| Total domestic deposits to total assets | 91.0993% | 1,179 |
| Equity capital to assets | 8.6347% | 2,665 |
| Core capital (leverage) ratio | 9.6130% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8089% | 1,020 |
| Memoranda: | ||
| Average total assets | $448,905,333 | 1,877 |
| Average earning assets | $442,788,667 | 1,808 |
| Average equity | $41,105,333 | 1,952 |
| Average total loans | $255,168,000 | 1,922 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6872% | 3,970 |
| Cost of funding earning assets | 0.0918% | 4,240 |
| Net interest margin | 2.5953% | 3,668 |
| Noninterest income to average assets | 0.0281% | 4,709 |
| Noninterest expense to average assets | 1.3877% | 4,554 |
| Loan and lease loss provision to assets | 0.1061% | 790 |
| Net operating income to assets | 1.0975% | 1,534 |
| Return on assets (ROA) | 1.0975% | 1,528 |
| Pretax return on assets | 1.0975% | 2,154 |
| Return on Equity (ROE) | 11.6360% | 1,415 |
| Retained earnings to average equity (ytd only) | 7.5490% | 1,716 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5527% | 4,087 |
| Assets per employee ($millions) | 17.5655% | 136 |
| Cash dividends to net income (ytd only)* | 35.1240% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.9933% | 2,187 |
| Net loans and leases to deposits | 65.2975% | 2,405 |
| Net loans and leases to core deposits | 66.4812% | 2,585 |
| Total domestic deposits to total assets | 90.3454% | 1,357 |
| Equity capital to assets | 9.3927% | 2,369 |
| Core capital (leverage) ratio | 10.0537% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1515% | 1,223 |
| Memoranda: | ||
| Average total assets | $441,006,000 | 1,907 |
| Average earning assets | $435,552,000 | 1,839 |
| Average equity | $41,595,000 | 1,988 |
| Average total loans | $257,302,000 | 1,901 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 3,625 |
| Cost of funding earning assets | 0.1052% | 4,348 |
| Net interest margin | 3.0246% | 3,134 |
| Noninterest income to average assets | 0.0363% | 4,745 |
| Noninterest expense to average assets | 1.5380% | 4,497 |
| Loan and lease loss provision to assets | 0.1051% | 1,201 |
| Net operating income to assets | 1.3692% | 1,379 |
| Return on assets (ROA) | 1.3692% | 1,430 |
| Pretax return on assets | 1.3692% | 2,144 |
| Return on Equity (ROE) | 15.2912% | 885 |
| Retained earnings to average equity (ytd only) | 8.2432% | 1,445 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0578% | 4,200 |
| Assets per employee ($millions) | 17.0336% | 150 |
| Cash dividends to net income (ytd only)* | 46.0919% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.5368% | 2,532 |
| Net loans and leases to deposits | 62.5678% | 2,828 |
| Net loans and leases to core deposits | 63.6919% | 3,009 |
| Total domestic deposits to total assets | 90.3609% | 780 |
| Equity capital to assets | 9.4706% | 3,171 |
| Core capital (leverage) ratio | 10.3357% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5916% | 1,144 |
| Memoranda: | ||
| Average total assets | $371,907,400 | 2,103 |
| Average earning assets | $365,931,000 | 2,018 |
| Average equity | $33,300,200 | 2,370 |
| Average total loans | $244,683,800 | 1,963 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 3,491 |
| Cost of funding earning assets | 0.1101% | 4,421 |
| Net interest margin | 3.1483% | 2,906 |
| Noninterest income to average assets | 0.0369% | 4,821 |
| Noninterest expense to average assets | 1.6436% | 4,409 |
| Loan and lease loss provision to assets | 0.0658% | 1,677 |
| Net operating income to assets | 1.4178% | 1,484 |
| Return on assets (ROA) | 1.4178% | 1,547 |
| Pretax return on assets | 1.4178% | 2,260 |
| Return on Equity (ROE) | 16.1249% | 925 |
| Retained earnings to average equity (ytd only) | 8.8160% | 1,762 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5581% | 3,976 |
| Assets per employee ($millions) | 15.7903% | 179 |
| Cash dividends to net income (ytd only)* | 45.3266% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.7984% | 2,521 |
| Net loans and leases to deposits | 63.0669% | 2,947 |
| Net loans and leases to core deposits | 64.3682% | 3,098 |
| Total domestic deposits to total assets | 91.6463% | 201 |
| Equity capital to assets | 8.1843% | 4,418 |
| Core capital (leverage) ratio | 8.9173% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9129% | 1,645 |
| Memoranda: | ||
| Average total assets | $354,165,750 | 2,192 |
| Average earning assets | $347,654,750 | 2,109 |
| Average equity | $31,139,500 | 2,491 |
| Average total loans | $242,628,250 | 2,004 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 3,376 |
| Cost of funding earning assets | 0.1151% | 4,473 |
| Net interest margin | 3.2048% | 2,739 |
| Noninterest income to average assets | 0.0364% | 4,858 |
| Noninterest expense to average assets | 1.7456% | 4,288 |
| Loan and lease loss provision to assets | 0.1027% | 1,230 |
| Net operating income to assets | 1.3275% | 1,783 |
| Return on assets (ROA) | 1.3275% | 1,848 |
| Pretax return on assets | 1.3275% | 2,559 |
| Return on Equity (ROE) | 14.7057% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.2049% | 2,729 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9639% | 3,682 |
| Assets per employee ($millions) | 11.7959% | 376 |
| Cash dividends to net income (ytd only)* | 57.8063% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.4818% | 713 |
| Net loans and leases to deposits | 84.1096% | 1,060 |
| Net loans and leases to core deposits | 87.5110% | 1,309 |
| Total domestic deposits to total assets | 88.5533% | 1,539 |
| Equity capital to assets | 9.4397% | 3,392 |
| Core capital (leverage) ratio | 8.9598% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6272% | 1,747 |
| Memoranda: | ||
| Average total assets | $340,635,000 | 2,252 |
| Average earning assets | $333,690,000 | 2,176 |
| Average equity | $30,750,000 | 2,497 |
| Average total loans | $246,682,000 | 1,988 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 3,523 |
| Cost of funding earning assets | 0.1110% | 4,581 |
| Net interest margin | 3.1596% | 2,808 |
| Noninterest income to average assets | 0.0335% | 4,882 |
| Noninterest expense to average assets | 1.7628% | 4,271 |
| Loan and lease loss provision to assets | 0.0856% | 1,531 |
| Net operating income to assets | 1.2805% | 1,889 |
| Return on assets (ROA) | 1.2805% | 1,961 |
| Pretax return on assets | 1.2805% | 2,622 |
| Return on Equity (ROE) | 14.5009% | 1,328 |
| Retained earnings to average equity (ytd only) | 8.5407% | 2,080 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3401% | 3,506 |
| Assets per employee ($millions) | 11.1933% | 425 |
| Cash dividends to net income (ytd only)* | 41.1021% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.2340% | 792 |
| Net loans and leases to deposits | 83.0588% | 1,241 |
| Net loans and leases to core deposits | 86.0252% | 1,521 |
| Total domestic deposits to total assets | 89.3752% | 1,139 |
| Equity capital to assets | 9.1912% | 3,498 |
| Core capital (leverage) ratio | 9.2441% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2618% | 1,487 |
| Memoranda: | ||
| Average total assets | $345,809,500 | 2,208 |
| Average earning assets | $338,772,500 | 2,128 |
| Average equity | $30,536,000 | 2,504 |
| Average total loans | $245,870,000 | 1,988 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 3,396 |
| Cost of funding earning assets | 0.2312% | 4,458 |
| Net interest margin | 3.5373% | 2,344 |
| Noninterest income to average assets | 0.0280% | 4,905 |
| Noninterest expense to average assets | 1.9156% | 4,297 |
| Loan and lease loss provision to assets | 0.0325% | 3,989 |
| Net operating income to assets | 1.5559% | 702 |
| Return on assets (ROA) | 1.5559% | 767 |
| Pretax return on assets | 1.5559% | 1,177 |
| Return on Equity (ROE) | 17.1318% | 396 |
| Retained earnings to average equity (ytd only) | 10.2952% | 536 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6685% | 4,138 |
| Assets per employee ($millions) | 11.4781% | 363 |
| Cash dividends to net income (ytd only)* | 39.9059% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.9251% | 1,962 |
| Net loans and leases to deposits | 73.3943% | 2,548 |
| Net loans and leases to core deposits | 75.8115% | 2,745 |
| Total domestic deposits to total assets | 91.1857% | 182 |
| Equity capital to assets | 8.4897% | 4,447 |
| Core capital (leverage) ratio | 9.1234% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5850% | 1,661 |
| Memoranda: | ||
| Average total assets | $314,213,600 | 2,218 |
| Average earning assets | $308,769,000 | 2,127 |
| Average equity | $28,537,600 | 2,566 |
| Average total loans | $234,349,000 | 2,003 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,580 |
| Cost of funding earning assets | 0.2701% | 4,431 |
| Net interest margin | 3.5246% | 2,507 |
| Noninterest income to average assets | 0.0246% | 4,943 |
| Noninterest expense to average assets | 1.8634% | 4,392 |
| Loan and lease loss provision to assets | 0.1754% | 2,227 |
| Net operating income to assets | 1.4443% | 1,007 |
| Return on assets (ROA) | 1.4443% | 1,096 |
| Pretax return on assets | 1.4443% | 1,592 |
| Return on Equity (ROE) | 15.6042% | 595 |
| Retained earnings to average equity (ytd only) | 8.8902% | 1,012 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4963% | 4,204 |
| Assets per employee ($millions) | 10.5333% | 429 |
| Cash dividends to net income (ytd only)* | 43.0264% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.1528% | 1,353 |
| Net loans and leases to deposits | 87.7630% | 1,513 |
| Net loans and leases to core deposits | 90.9218% | 1,893 |
| Total domestic deposits to total assets | 84.4921% | 2,635 |
| Equity capital to assets | 8.9211% | 4,168 |
| Core capital (leverage) ratio | 9.3395% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9613% | 1,510 |
| Memoranda: | ||
| Average total assets | $303,812,000 | 2,258 |
| Average earning assets | $298,124,750 | 2,165 |
| Average equity | $28,120,000 | 2,590 |
| Average total loans | $232,871,000 | 2,018 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,579 |
| Cost of funding earning assets | 0.3354% | 4,333 |
| Net interest margin | 3.5782% | 2,553 |
| Noninterest income to average assets | 0.0216% | 4,972 |
| Noninterest expense to average assets | 1.8404% | 4,500 |
| Loan and lease loss provision to assets | 0.2701% | 1,585 |
| Net operating income to assets | 1.4184% | 1,074 |
| Return on assets (ROA) | 1.4184% | 1,162 |
| Pretax return on assets | 1.4184% | 1,684 |
| Return on Equity (ROE) | 15.1242% | 691 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,205 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1523% | 4,347 |
| Assets per employee ($millions) | 11.8413% | 327 |
| Cash dividends to net income (ytd only)* | 44.7882% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.4304% | 931 |
| Net loans and leases to deposits | 91.8423% | 1,177 |
| Net loans and leases to core deposits | 95.0791% | 1,654 |
| Total domestic deposits to total assets | 84.3079% | 2,635 |
| Equity capital to assets | 8.5690% | 4,436 |
| Core capital (leverage) ratio | 8.7820% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2810% | 2,074 |
| Memoranda: | ||
| Average total assets | $296,239,000 | 2,277 |
| Average earning assets | $290,372,333 | 2,184 |
| Average equity | $27,783,333 | 2,596 |
| Average total loans | $228,975,333 | 2,020 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,413 |
| Cost of funding earning assets | 0.4876% | 4,001 |
| Net interest margin | 3.6493% | 2,513 |
| Noninterest income to average assets | 0.0215% | 5,017 |
| Noninterest expense to average assets | 1.9944% | 4,403 |
| Loan and lease loss provision to assets | 0.2872% | 1,080 |
| Net operating income to assets | 1.3081% | 1,224 |
| Return on assets (ROA) | 1.3081% | 1,321 |
| Pretax return on assets | 1.3081% | 1,852 |
| Return on Equity (ROE) | 13.2656% | 835 |
| Retained earnings to average equity (ytd only) | 6.5527% | 1,695 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5600% | 4,251 |
| Assets per employee ($millions) | 10.0990% | 369 |
| Cash dividends to net income (ytd only)* | 50.6037% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.2861% | 1,087 |
| Net loans and leases to deposits | 92.9963% | 1,183 |
| Net loans and leases to core deposits | 97.0566% | 1,715 |
| Total domestic deposits to total assets | 83.1066% | 3,077 |
| Equity capital to assets | 10.1576% | 3,642 |
| Core capital (leverage) ratio | 10.0810% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8609% | 2,344 |
| Memoranda: | ||
| Average total assets | $278,580,500 | 2,330 |
| Average earning assets | $272,382,000 | 2,246 |
| Average equity | $27,469,500 | 2,606 |
| Average total loans | $213,887,500 | 2,092 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 3,113 |
| Cost of funding earning assets | 0.5355% | 3,944 |
| Net interest margin | 3.9163% | 2,115 |
| Noninterest income to average assets | 0.0310% | 5,077 |
| Noninterest expense to average assets | 2.0001% | 4,531 |
| Loan and lease loss provision to assets | 0.1099% | 1,898 |
| Net operating income to assets | 1.7514% | 591 |
| Return on assets (ROA) | 1.7514% | 626 |
| Pretax return on assets | 1.7514% | 1,067 |
| Return on Equity (ROE) | 18.4119% | 310 |
| Retained earnings to average equity (ytd only) | 7.2764% | 1,267 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7972% | 4,619 |
| Assets per employee ($millions) | 11.3795% | 267 |
| Cash dividends to net income (ytd only)* | 60.4797% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 3,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.7957% | 1,615 |
| Net loans and leases to deposits | 94.5572% | 1,100 |
| Net loans and leases to core deposits | 98.7145% | 1,674 |
| Total domestic deposits to total assets | 79.1010% | 4,174 |
| Equity capital to assets | 9.5758% | 4,290 |
| Core capital (leverage) ratio | 9.9420% | 3,580 |
| Tier 1 risk-based capital ratio | 12.1676% | 4,262 |
| Total risk-based capital ratio | 13.0725% | 4,335 |
| Memoranda: | ||
| Average total assets | $273,788,600 | 2,309 |
| Average earning assets | $267,775,800 | 2,226 |
| Average equity | $26,043,000 | 2,629 |
| Average total loans | $196,222,400 | 2,193 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,963 |
| Cost of funding earning assets | 0.5514% | 3,919 |
| Net interest margin | 3.9785% | 2,025 |
| Noninterest income to average assets | 0.0329% | 5,145 |
| Noninterest expense to average assets | 1.9337% | 4,664 |
| Loan and lease loss provision to assets | 0.1480% | 1,286 |
| Net operating income to assets | 1.8403% | 569 |
| Return on assets (ROA) | 1.8403% | 594 |
| Pretax return on assets | 1.8403% | 998 |
| Return on Equity (ROE) | 19.3807% | 289 |
| Retained earnings to average equity (ytd only) | 6.9091% | 1,908 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3041% | 4,784 |
| Assets per employee ($millions) | 10.2906% | 322 |
| Cash dividends to net income (ytd only)* | 64.3507% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.5942% | 1,901 |
| Net loans and leases to deposits | 88.6708% | 1,844 |
| Net loans and leases to core deposits | 92.6237% | 2,305 |
| Total domestic deposits to total assets | 82.9971% | 3,172 |
| Equity capital to assets | 9.9665% | 4,053 |
| Core capital (leverage) ratio | 10.0022% | 3,643 |
| Tier 1 risk-based capital ratio | 12.9275% | 3,891 |
| Total risk-based capital ratio | 13.9097% | 3,924 |
| Memoranda: | ||
| Average total assets | $271,114,000 | 2,341 |
| Average earning assets | $265,017,500 | 2,257 |
| Average equity | $25,743,250 | 2,662 |
| Average total loans | $191,575,500 | 2,244 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 3,096 |
| Cost of funding earning assets | 0.4898% | 4,161 |
| Net interest margin | 3.9824% | 1,974 |
| Noninterest income to average assets | 0.0242% | 5,208 |
| Noninterest expense to average assets | 1.9148% | 4,730 |
| Loan and lease loss provision to assets | 0.2086% | 811 |
| Net operating income to assets | 1.8002% | 594 |
| Return on assets (ROA) | 1.8002% | 618 |
| Pretax return on assets | 1.8002% | 1,028 |
| Return on Equity (ROE) | 19.2721% | 299 |
| Retained earnings to average equity (ytd only) | 4.0966% | 3,198 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8019% | 4,853 |
| Assets per employee ($millions) | 10.1771% | 319 |
| Cash dividends to net income (ytd only)* | 78.7434% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.6236% | 1,448 |
| Net loans and leases to deposits | 93.9253% | 1,272 |
| Net loans and leases to core deposits | 97.1923% | 1,957 |
| Total domestic deposits to total assets | 81.5793% | 3,643 |
| Equity capital to assets | 9.7697% | 4,168 |
| Core capital (leverage) ratio | 9.7958% | 3,832 |
| Tier 1 risk-based capital ratio | 12.5311% | 4,108 |
| Total risk-based capital ratio | 13.5049% | 4,131 |
| Memoranda: | ||
| Average total assets | $272,300,330 | 2,345 |
| Average earning assets | $266,623,330 | 2,251 |
| Average equity | $25,435,670 | 2,681 |
| Average total loans | $189,123,670 | 2,267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 3,163 |
| Cost of funding earning assets | 0.3463% | 4,692 |
| Net interest margin | 4.0715% | 1,634 |
| Noninterest income to average assets | 0.0261% | 5,266 |
| Noninterest expense to average assets | 1.8439% | 4,869 |
| Loan and lease loss provision to assets | 0.2651% | 531 |
| Net operating income to assets | 1.9019% | 460 |
| Return on assets (ROA) | 1.9019% | 476 |
| Pretax return on assets | 1.9019% | 796 |
| Return on Equity (ROE) | 20.8181% | 223 |
| Retained earnings to average equity (ytd only) | -3.1869% | 4,823 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9733% | 5,031 |
| Assets per employee ($millions) | 10.4237% | 305 |
| Cash dividends to net income (ytd only)* | 115.3085% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.2671% | 2,583 |
| Net loans and leases to deposits | 76.4346% | 3,220 |
| Net loans and leases to core deposits | 78.9172% | 3,456 |
| Total domestic deposits to total assets | 90.6227% | 247 |
| Equity capital to assets | 9.2718% | 4,460 |
| Core capital (leverage) ratio | 8.9146% | 4,710 |
| Tier 1 risk-based capital ratio | 12.9096% | 3,922 |
| Total risk-based capital ratio | 13.8898% | 3,957 |
| Memoranda: | ||
| Average total assets | $276,148,500 | 2,332 |
| Average earning assets | $270,266,000 | 2,242 |
| Average equity | $25,228,000 | 2,692 |
| Average total loans | $181,306,500 | 2,357 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 4,059 |
| Cost of funding earning assets | 0.2065% | 4,976 |
| Net interest margin | 3.7835% | 2,733 |
| Noninterest income to average assets | 0.1080% | 5,128 |
| Noninterest expense to average assets | 1.8933% | 4,904 |
| Loan and lease loss provision to assets | 0.0278% | 3,618 |
| Net operating income to assets | 1.8696% | 479 |
| Return on assets (ROA) | 1.8696% | 475 |
| Pretax return on assets | 1.8696% | 769 |
| Return on Equity (ROE) | 19.1561% | 303 |
| Retained earnings to average equity (ytd only) | 9.8003% | 655 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9460% | 4,945 |
| Assets per employee ($millions) | 12.2296% | 187 |
| Cash dividends to net income (ytd only)* | 48.8398% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.8840% | 3,680 |
| Net loans and leases to deposits | 67.0578% | 4,046 |
| Net loans and leases to core deposits | 69.2183% | 4,156 |
| Total domestic deposits to total assets | 90.7932% | 251 |
| Equity capital to assets | 9.0045% | 4,571 |
| Core capital (leverage) ratio | 10.1299% | 3,420 |
| Tier 1 risk-based capital ratio | 14.0006% | 3,288 |
| Total risk-based capital ratio | 14.9542% | 3,361 |
| Memoranda: | ||
| Average total assets | $244,331,400 | 2,513 |
| Average earning assets | $237,819,000 | 2,428 |
| Average equity | $23,846,200 | 2,740 |
| Average total loans | $161,265,200 | 2,510 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,878 |
| Cost of funding earning assets | 0.1971% | 5,027 |
| Net interest margin | 3.8187% | 2,577 |
| Noninterest income to average assets | 0.1407% | 5,069 |
| Noninterest expense to average assets | 1.9612% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8942% | 493 |
| Return on assets (ROA) | 1.8942% | 491 |
| Pretax return on assets | 1.8942% | 827 |
| Return on Equity (ROE) | 18.9694% | 341 |
| Retained earnings to average equity (ytd only) | 6.2985% | 2,491 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8679% | 4,891 |
| Assets per employee ($millions) | 10.5193% | 285 |
| Cash dividends to net income (ytd only)* | 66.7964% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,256 |
| Loan loss allowance to noncurrent loans | 240.1449% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,545 |
| Noncurrent loans to loans | 0.4534% | 3,026 |
| Net loans and leases to total assets | 62.2210% | 3,634 |
| Net loans and leases to deposits | 69.2673% | 3,973 |
| Net loans and leases to core deposits | 72.2344% | 4,066 |
| Total domestic deposits to total assets | 89.8274% | 565 |
| Equity capital to assets | 9.9568% | 3,691 |
| Core capital (leverage) ratio | 10.1914% | 3,420 |
| Tier 1 risk-based capital ratio | 14.9380% | 2,910 |
| Total risk-based capital ratio | 15.9654% | 2,937 |
| Memoranda: | ||
| Average total assets | $235,094,000 | 2,586 |
| Average earning assets | $228,695,250 | 2,507 |
| Average equity | $23,475,750 | 2,791 |
| Average total loans | $158,336,500 | 2,557 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,910 |
| Cost of funding earning assets | 0.1768% | 5,120 |
| Net interest margin | 3.7802% | 2,635 |
| Noninterest income to average assets | 0.0301% | 5,442 |
| Noninterest expense to average assets | 1.9406% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7628% | 632 |
| Return on assets (ROA) | 1.7628% | 638 |
| Pretax return on assets | 1.7628% | 1,063 |
| Return on Equity (ROE) | 17.6357% | 460 |
| Retained earnings to average equity (ytd only) | 8.2592% | 1,515 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4008% | 4,845 |
| Assets per employee ($millions) | 10.1530% | 302 |
| Cash dividends to net income (ytd only)* | 53.1676% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 2,199 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.0689% | 2,569 |
| Net loans and leases to deposits | 78.5929% | 3,098 |
| Net loans and leases to core deposits | 81.9075% | 3,250 |
| Total domestic deposits to total assets | 89.1542% | 867 |
| Equity capital to assets | 10.2522% | 3,386 |
| Core capital (leverage) ratio | 10.4962% | 3,036 |
| Tier 1 risk-based capital ratio | 13.8613% | 3,432 |
| Total risk-based capital ratio | 14.8207% | 3,491 |
| Memoranda: | ||
| Average total assets | $232,810,670 | 2,612 |
| Average earning assets | $226,230,330 | 2,540 |
| Average equity | $23,271,000 | 2,816 |
| Average total loans | $160,383,000 | 2,546 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,996 |
| Cost of funding earning assets | 0.1772% | 5,128 |
| Net interest margin | 3.6995% | 2,800 |
| Noninterest income to average assets | 0.0241% | 5,523 |
| Noninterest expense to average assets | 1.8825% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7345% | 636 |
| Return on assets (ROA) | 1.7345% | 646 |
| Pretax return on assets | 1.7345% | 1,033 |
| Return on Equity (ROE) | 17.5794% | 452 |
| Retained earnings to average equity (ytd only) | -1.4475% | 4,958 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0457% | 4,961 |
| Assets per employee ($millions) | 10.5167% | 269 |
| Cash dividends to net income (ytd only)* | 108.2341% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,265 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 67.4137% | 2,835 |
| Net loans and leases to deposits | 74.9128% | 3,325 |
| Net loans and leases to core deposits | 77.6731% | 3,524 |
| Total domestic deposits to total assets | 89.9895% | 658 |
| Equity capital to assets | 9.8955% | 3,705 |
| Core capital (leverage) ratio | 9.8776% | 3,679 |
| Tier 1 risk-based capital ratio | 13.8729% | 3,450 |
| Total risk-based capital ratio | 14.8769% | 3,502 |
| Memoranda: | ||
| Average total assets | $232,456,000 | 2,639 |
| Average earning assets | $225,762,000 | 2,563 |
| Average equity | $22,936,000 | 2,873 |
| Average total loans | $157,933,500 | 2,592 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,273 |
| Cost of funding earning assets | 0.1801% | 5,092 |
| Net interest margin | 3.8602% | 2,227 |
| Noninterest income to average assets | -0.2661% | 5,654 |
| Noninterest expense to average assets | 1.8926% | 5,123 |
| Loan and lease loss provision to assets | 0.0671% | 2,862 |
| Net operating income to assets | 1.4872% | 829 |
| Return on assets (ROA) | 1.4872% | 850 |
| Pretax return on assets | 1.4872% | 1,694 |
| Return on Equity (ROE) | 14.9586% | 613 |
| Retained earnings to average equity (ytd only) | 9.8461% | 375 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9067% | 4,866 |
| Assets per employee ($millions) | 11.1212% | 234 |
| Cash dividends to net income (ytd only)* | 34.1780% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 2,271 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.0449% | 2,960 |
| Net loans and leases to deposits | 74.4984% | 3,474 |
| Net loans and leases to core deposits | 76.9318% | 3,671 |
| Total domestic deposits to total assets | 89.9951% | 571 |
| Equity capital to assets | 9.8384% | 3,881 |
| Core capital (leverage) ratio | 10.3586% | 3,005 |
| Tier 1 risk-based capital ratio | 13.8773% | 3,432 |
| Total risk-based capital ratio | 14.8780% | 3,477 |
| Memoranda: | ||
| Average total assets | $217,583,200 | 2,747 |
| Average earning assets | $209,288,400 | 2,675 |
| Average equity | $21,633,000 | 2,984 |
| Average total loans | $158,680,400 | 2,562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,084 |
| Cost of funding earning assets | 0.1854% | 5,091 |
| Net interest margin | 3.8862% | 2,083 |
| Noninterest income to average assets | -0.1804% | 5,719 |
| Noninterest expense to average assets | 1.9925% | 4,969 |
| Loan and lease loss provision to assets | 0.0911% | 2,252 |
| Net operating income to assets | 1.4651% | 966 |
| Return on assets (ROA) | 1.4651% | 980 |
| Pretax return on assets | 1.4651% | 1,898 |
| Return on Equity (ROE) | 14.6934% | 704 |
| Retained earnings to average equity (ytd only) | 7.7693% | 1,313 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1478% | 4,721 |
| Assets per employee ($millions) | 10.0982% | 307 |
| Cash dividends to net income (ytd only)* | 47.1239% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 4,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 2,016 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.2597% | 1,875 |
| Net loans and leases to deposits | 87.0315% | 2,182 |
| Net loans and leases to core deposits | 90.2045% | 2,593 |
| Total domestic deposits to total assets | 85.3251% | 2,586 |
| Equity capital to assets | 9.9378% | 3,981 |
| Core capital (leverage) ratio | 9.8204% | 3,797 |
| Tier 1 risk-based capital ratio | 12.9322% | 4,059 |
| Total risk-based capital ratio | 13.9028% | 4,125 |
| Memoranda: | ||
| Average total assets | $213,592,750 | 2,804 |
| Average earning assets | $204,957,250 | 2,742 |
| Average equity | $21,297,000 | 3,038 |
| Average total loans | $158,791,250 | 2,579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 3,272 |
| Cost of funding earning assets | 0.1771% | 5,162 |
| Net interest margin | 3.8047% | 2,272 |
| Noninterest income to average assets | 0.0399% | 5,670 |
| Noninterest expense to average assets | 1.9997% | 4,979 |
| Loan and lease loss provision to assets | 0.0987% | 2,044 |
| Net operating income to assets | 1.5916% | 723 |
| Return on assets (ROA) | 1.5916% | 741 |
| Pretax return on assets | 1.5916% | 1,373 |
| Return on Equity (ROE) | 15.9436% | 540 |
| Retained earnings to average equity (ytd only) | 6.8547% | 1,663 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1924% | 5,001 |
| Assets per employee ($millions) | 9.4493% | 353 |
| Cash dividends to net income (ytd only)* | 57.0066% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 1,617 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.9103% | 1,396 |
| Net loans and leases to deposits | 85.9768% | 2,227 |
| Net loans and leases to core deposits | 89.1728% | 2,601 |
| Total domestic deposits to total assets | 89.4547% | 741 |
| Equity capital to assets | 10.3702% | 3,492 |
| Core capital (leverage) ratio | 9.8988% | 3,659 |
| Tier 1 risk-based capital ratio | 13.1275% | 3,926 |
| Total risk-based capital ratio | 14.1109% | 4,001 |
| Memoranda: | ||
| Average total assets | $210,736,670 | 2,856 |
| Average earning assets | $202,172,000 | 2,787 |
| Average equity | $21,036,670 | 3,061 |
| Average total loans | $156,177,330 | 2,615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,735 |
| Cost of funding earning assets | 0.1693% | 5,245 |
| Net interest margin | 3.6411% | 2,734 |
| Noninterest income to average assets | 0.0452% | 5,736 |
| Noninterest expense to average assets | 1.9174% | 5,213 |
| Loan and lease loss provision to assets | 0.0434% | 2,932 |
| Net operating income to assets | 1.5724% | 715 |
| Return on assets (ROA) | 1.5724% | 735 |
| Pretax return on assets | 1.5724% | 1,305 |
| Return on Equity (ROE) | 16.0570% | 523 |
| Retained earnings to average equity (ytd only) | -2.3489% | 5,202 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2689% | 5,099 |
| Assets per employee ($millions) | 10.5660% | 256 |
| Cash dividends to net income (ytd only)* | 114.6283% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 4,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 1,692 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.6878% | 2,116 |
| Net loans and leases to deposits | 79.5900% | 2,801 |
| Net loans and leases to core deposits | 82.5797% | 3,032 |
| Total domestic deposits to total assets | 90.0714% | 625 |
| Equity capital to assets | 9.8027% | 3,974 |
| Core capital (leverage) ratio | 9.7067% | 3,868 |
| Tier 1 risk-based capital ratio | 13.2484% | 3,911 |
| Total risk-based capital ratio | 14.2295% | 3,990 |
| Memoranda: | ||
| Average total assets | $212,162,500 | 2,865 |
| Average earning assets | $203,236,000 | 2,798 |
| Average equity | $20,776,000 | 3,095 |
| Average total loans | $153,516,000 | 2,656 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,296 |
| Cost of funding earning assets | 0.2033% | 4,984 |
| Net interest margin | 3.7702% | 2,431 |
| Noninterest income to average assets | -0.0216% | 5,876 |
| Noninterest expense to average assets | 1.8451% | 5,431 |
| Loan and lease loss provision to assets | 0.0613% | 3,146 |
| Net operating income to assets | 1.7097% | 532 |
| Return on assets (ROA) | 1.7097% | 560 |
| Pretax return on assets | 1.7097% | 979 |
| Return on Equity (ROE) | 17.1527% | 393 |
| Retained earnings to average equity (ytd only) | 12.3323% | 199 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0253% | 5,433 |
| Assets per employee ($millions) | 11.8337% | 177 |
| Cash dividends to net income (ytd only)* | 28.1024% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 1,788 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.5928% | 2,223 |
| Net loans and leases to deposits | 79.5619% | 2,935 |
| Net loans and leases to core deposits | 83.6595% | 3,058 |
| Total domestic deposits to total assets | 89.9839% | 634 |
| Equity capital to assets | 9.7824% | 3,967 |
| Core capital (leverage) ratio | 9.7818% | 3,767 |
| Tier 1 risk-based capital ratio | 13.0191% | 4,063 |
| Total risk-based capital ratio | 13.9631% | 4,152 |
| Memoranda: | ||
| Average total assets | $194,189,600 | 3,020 |
| Average earning assets | $187,362,400 | 2,926 |
| Average equity | $19,355,600 | 3,233 |
| Average total loans | $144,259,800 | 2,724 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,318 |
| Cost of funding earning assets | 0.2147% | 4,925 |
| Net interest margin | 3.7571% | 2,497 |
| Noninterest income to average assets | 0.0493% | 5,839 |
| Noninterest expense to average assets | 1.8935% | 5,389 |
| Loan and lease loss provision to assets | 0.0767% | 2,693 |
| Net operating income to assets | 1.7113% | 578 |
| Return on assets (ROA) | 1.7113% | 613 |
| Pretax return on assets | 1.7113% | 1,085 |
| Return on Equity (ROE) | 17.0795% | 439 |
| Retained earnings to average equity (ytd only) | 10.5272% | 484 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4335% | 5,416 |
| Assets per employee ($millions) | 11.1790% | 207 |
| Cash dividends to net income (ytd only)* | 38.3635% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 1,681 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.0164% | 1,357 |
| Net loans and leases to deposits | 93.4378% | 1,328 |
| Net loans and leases to core deposits | 98.8392% | 1,741 |
| Total domestic deposits to total assets | 82.4254% | 3,802 |
| Equity capital to assets | 9.9139% | 4,225 |
| Core capital (leverage) ratio | 9.7646% | 3,853 |
| Tier 1 risk-based capital ratio | 12.4937% | 4,485 |
| Total risk-based capital ratio | 13.4337% | 4,581 |
| Memoranda: | ||
| Average total assets | $189,485,500 | 3,076 |
| Average earning assets | $183,186,000 | 2,992 |
| Average equity | $18,985,250 | 3,297 |
| Average total loans | $141,822,750 | 2,760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,497 |
| Cost of funding earning assets | 0.2180% | 4,961 |
| Net interest margin | 3.7122% | 2,647 |
| Noninterest income to average assets | 0.0507% | 5,913 |
| Noninterest expense to average assets | 1.9529% | 5,366 |
| Loan and lease loss provision to assets | 0.0269% | 3,589 |
| Net operating income to assets | 1.6673% | 619 |
| Return on assets (ROA) | 1.6673% | 658 |
| Pretax return on assets | 1.6673% | 1,174 |
| Return on Equity (ROE) | 16.5774% | 475 |
| Retained earnings to average equity (ytd only) | 7.9190% | 1,197 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5461% | 5,345 |
| Assets per employee ($millions) | 10.4812% | 241 |
| Cash dividends to net income (ytd only)* | 52.2301% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2642% | 1,615 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.0151% | 896 |
| Net loans and leases to deposits | 108.1779% | 298 |
| Net loans and leases to core deposits | 115.6908% | 648 |
| Total domestic deposits to total assets | 73.9661% | 5,524 |
| Equity capital to assets | 10.1711% | 4,002 |
| Core capital (leverage) ratio | 9.4184% | 4,313 |
| Tier 1 risk-based capital ratio | 12.3321% | 4,627 |
| Total risk-based capital ratio | 13.2428% | 4,745 |
| Memoranda: | ||
| Average total assets | $185,573,330 | 3,127 |
| Average earning assets | $179,783,670 | 3,048 |
| Average equity | $18,664,000 | 3,345 |
| Average total loans | $136,938,670 | 2,837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,125 |
| Cost of funding earning assets | 0.1908% | 5,276 |
| Net interest margin | 3.5642% | 3,227 |
| Noninterest income to average assets | 0.0522% | 5,961 |
| Noninterest expense to average assets | 1.9584% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5454% | 782 |
| Return on assets (ROA) | 1.5454% | 824 |
| Pretax return on assets | 1.5454% | 1,452 |
| Return on Equity (ROE) | 15.4553% | 610 |
| Retained earnings to average equity (ytd only) | -2.1085% | 5,392 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8933% | 5,200 |
| Assets per employee ($millions) | 11.0347% | 200 |
| Cash dividends to net income (ytd only)* | 113.6428% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 1,818 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.9459% | 2,350 |
| Net loans and leases to deposits | 79.9841% | 2,790 |
| Net loans and leases to core deposits | 82.2621% | 3,111 |
| Total domestic deposits to total assets | 87.4497% | 1,962 |
| Equity capital to assets | 9.2400% | 4,949 |
| Core capital (leverage) ratio | 9.5944% | 4,043 |
| Tier 1 risk-based capital ratio | 12.3627% | 4,684 |
| Total risk-based capital ratio | 13.3003% | 4,800 |
| Memoranda: | ||
| Average total assets | $184,029,000 | 3,161 |
| Average earning assets | $178,216,000 | 3,070 |
| Average equity | $18,401,500 | 3,383 |
| Average total loans | $129,220,500 | 2,945 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,804 |
| Cost of funding earning assets | 0.1167% | 5,896 |
| Net interest margin | 3.4349% | 3,780 |
| Noninterest income to average assets | 0.0517% | 6,000 |
| Noninterest expense to average assets | 1.8881% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5201% | 830 |
| Return on assets (ROA) | 1.5201% | 865 |
| Pretax return on assets | 1.5201% | 1,494 |
| Return on Equity (ROE) | 15.3266% | 640 |
| Retained earnings to average equity (ytd only) | 11.1779% | 332 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3984% | 5,404 |
| Assets per employee ($millions) | 9.9666% | 280 |
| Cash dividends to net income (ytd only)* | 27.0688% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,596 |
| Loan loss allowance to noncurrent loans | 60.6008% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3557% | 1,548 |
| Noncurrent loans to loans | 1.9446% | 1,093 |
| Net loans and leases to total assets | 68.8927% | 2,561 |
| Net loans and leases to deposits | 77.4992% | 3,103 |
| Net loans and leases to core deposits | 78.4667% | 3,494 |
| Total domestic deposits to total assets | 88.8947% | 1,176 |
| Equity capital to assets | 10.8893% | 2,947 |
| Core capital (leverage) ratio | 9.7331% | 3,861 |
| Tier 1 risk-based capital ratio | 14.6128% | 3,373 |
| Total risk-based capital ratio | 15.7153% | 3,372 |
| Memoranda: | ||
| Average total assets | $170,119,600 | 3,300 |
| Average earning assets | $166,235,000 | 3,170 |
| Average equity | $16,872,600 | 3,547 |
| Average total loans | $110,214,000 | 3,194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,096 |
| Cost of funding earning assets | 0.1162% | 5,995 |
| Net interest margin | 3.3346% | 4,202 |
| Noninterest income to average assets | 0.0509% | 6,093 |
| Noninterest expense to average assets | 1.8947% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4148% | 1,075 |
| Return on assets (ROA) | 1.4148% | 1,121 |
| Pretax return on assets | 1.4148% | 1,954 |
| Return on Equity (ROE) | 14.6209% | 789 |
| Retained earnings to average equity (ytd only) | 9.5234% | 733 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2510% | 5,201 |
| Assets per employee ($millions) | 11.0079% | 194 |
| Cash dividends to net income (ytd only)* | 34.8645% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 3,284 |
| Loan loss allowance to noncurrent loans | 60.6008% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 1,914 |
| Noncurrent loans to loans | 2.0862% | 1,093 |
| Net loans and leases to total assets | 58.0942% | 4,129 |
| Net loans and leases to deposits | 64.2955% | 4,530 |
| Net loans and leases to core deposits | 65.0091% | 4,759 |
| Total domestic deposits to total assets | 90.3550% | 446 |
| Equity capital to assets | 9.4804% | 4,777 |
| Core capital (leverage) ratio | 10.1386% | 3,453 |
| Tier 1 risk-based capital ratio | 14.5622% | 3,521 |
| Total risk-based capital ratio | 15.7048% | 3,512 |
| Memoranda: | ||
| Average total assets | $170,291,250 | 3,325 |
| Average earning assets | $166,410,500 | 3,197 |
| Average equity | $16,478,250 | 3,627 |
| Average total loans | $108,237,750 | 3,259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,732 |
| Cost of funding earning assets | 0.1233% | 6,025 |
| Net interest margin | 3.4697% | 3,620 |
| Noninterest income to average assets | 0.0498% | 6,176 |
| Noninterest expense to average assets | 1.9784% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4550% | 975 |
| Return on assets (ROA) | 1.4550% | 1,024 |
| Pretax return on assets | 1.4550% | 1,784 |
| Return on Equity (ROE) | 14.9215% | 747 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,668 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6229% | 5,264 |
| Assets per employee ($millions) | 9.8595% | 270 |
| Cash dividends to net income (ytd only)* | 52.5876% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 3,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.9075% | 3,276 |
| Net loans and leases to deposits | 71.7056% | 3,744 |
| Net loans and leases to core deposits | 72.6082% | 4,075 |
| Total domestic deposits to total assets | 89.1248% | 1,080 |
| Equity capital to assets | 10.2213% | 3,783 |
| Core capital (leverage) ratio | 10.1156% | 3,442 |
| Tier 1 risk-based capital ratio | 15.0262% | 3,344 |
| Total risk-based capital ratio | 16.2471% | 3,293 |
| Memoranda: | ||
| Average total assets | $164,677,000 | 3,424 |
| Average earning assets | $160,592,000 | 3,295 |
| Average equity | $16,057,330 | 3,713 |
| Average total loans | $107,615,000 | 3,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 4,846 |
| Cost of funding earning assets | 0.1057% | 6,185 |
| Net interest margin | 3.4384% | 3,678 |
| Noninterest income to average assets | 0.0466% | 6,240 |
| Noninterest expense to average assets | 2.0660% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3283% | 1,189 |
| Return on assets (ROA) | 1.3283% | 1,268 |
| Pretax return on assets | 1.3283% | 2,160 |
| Return on Equity (ROE) | 13.9691% | 888 |
| Retained earnings to average equity (ytd only) | -2.2680% | 5,716 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8664% | 4,981 |
| Assets per employee ($millions) | 9.7866% | 275 |
| Cash dividends to net income (ytd only)* | 116.2362% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 3,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.3520% | 3,184 |
| Net loans and leases to deposits | 70.7525% | 3,667 |
| Net loans and leases to core deposits | 72.0132% | 3,960 |
| Total domestic deposits to total assets | 89.5403% | 972 |
| Equity capital to assets | 9.9031% | 4,266 |
| Core capital (leverage) ratio | 10.5004% | 2,959 |
| Tier 1 risk-based capital ratio | 14.6365% | 3,633 |
| Total risk-based capital ratio | 15.8731% | 3,572 |
| Memoranda: | ||
| Average total assets | $163,210,000 | 3,466 |
| Average earning assets | $158,909,000 | 3,339 |
| Average equity | $15,520,000 | 3,826 |
| Average total loans | $107,168,500 | 3,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,139 |
| Cost of funding earning assets | 0.1042% | 6,312 |
| Net interest margin | 3.7900% | 2,663 |
| Noninterest income to average assets | 0.0585% | 6,271 |
| Noninterest expense to average assets | 2.2502% | 5,239 |
| Loan and lease loss provision to assets | 0.0778% | 2,922 |
| Net operating income to assets | 1.4155% | 1,052 |
| Return on assets (ROA) | 1.4155% | 1,077 |
| Pretax return on assets | 1.4155% | 1,827 |
| Return on Equity (ROE) | 14.6317% | 836 |
| Retained earnings to average equity (ytd only) | 11.4458% | 340 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1105% | 5,210 |
| Assets per employee ($millions) | 9.4146% | 297 |
| Cash dividends to net income (ytd only)* | 21.7742% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 3,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.3257% | 2,829 |
| Net loans and leases to deposits | 73.1852% | 3,530 |
| Net loans and leases to core deposits | 74.3910% | 3,887 |
| Total domestic deposits to total assets | 90.6272% | 486 |
| Equity capital to assets | 9.0998% | 5,178 |
| Core capital (leverage) ratio | 10.1181% | 3,411 |
| Tier 1 risk-based capital ratio | 13.5848% | 4,357 |
| Total risk-based capital ratio | 14.8356% | 4,295 |
| Memoranda: | ||
| Average total assets | $140,167,400 | 3,799 |
| Average earning assets | $136,278,000 | 3,655 |
| Average equity | $13,559,600 | 4,096 |
| Average total loans | $98,982,800 | 3,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,886 |
| Cost of funding earning assets | 0.1077% | 6,387 |
| Net interest margin | 3.8608% | 2,387 |
| Noninterest income to average assets | 0.0582% | 6,366 |
| Noninterest expense to average assets | 2.3402% | 4,999 |
| Loan and lease loss provision to assets | 0.1075% | 2,249 |
| Net operating income to assets | 1.3590% | 1,227 |
| Return on assets (ROA) | 1.3590% | 1,270 |
| Pretax return on assets | 1.3590% | 2,159 |
| Return on Equity (ROE) | 13.8054% | 1,026 |
| Retained earnings to average equity (ytd only) | 9.5175% | 834 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4767% | 4,969 |
| Assets per employee ($millions) | 7.5808% | 620 |
| Cash dividends to net income (ytd only)* | 31.0593% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 3,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.2164% | 1,492 |
| Net loans and leases to deposits | 82.8821% | 2,309 |
| Net loans and leases to core deposits | 84.5081% | 2,829 |
| Total domestic deposits to total assets | 89.5445% | 963 |
| Equity capital to assets | 10.2319% | 3,887 |
| Core capital (leverage) ratio | 10.1607% | 3,459 |
| Tier 1 risk-based capital ratio | 13.5799% | 4,484 |
| Total risk-based capital ratio | 14.8307% | 4,432 |
| Memoranda: | ||
| Average total assets | $135,197,250 | 3,914 |
| Average earning assets | $131,265,250 | 3,760 |
| Average equity | $13,308,500 | 4,162 |
| Average total loans | $96,842,250 | 3,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 4,306 |
| Cost of funding earning assets | 0.1102% | 6,444 |
| Net interest margin | 3.7457% | 2,776 |
| Noninterest income to average assets | 0.0564% | 6,429 |
| Noninterest expense to average assets | 2.3669% | 4,978 |
| Loan and lease loss provision to assets | 0.1617% | 1,532 |
| Net operating income to assets | 1.1589% | 1,722 |
| Return on assets (ROA) | 1.1589% | 1,797 |
| Pretax return on assets | 1.1589% | 2,837 |
| Return on Equity (ROE) | 11.9322% | 1,443 |
| Retained earnings to average equity (ytd only) | 5.3932% | 2,701 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1851% | 4,661 |
| Assets per employee ($millions) | 7.3374% | 686 |
| Cash dividends to net income (ytd only)* | 54.8015% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 77.6078% | 957 |
| Net loans and leases to deposits | 86.4883% | 1,774 |
| Net loans and leases to core deposits | 88.2387% | 2,289 |
| Total domestic deposits to total assets | 89.7322% | 948 |
| Equity capital to assets | 10.1194% | 3,946 |
| Core capital (leverage) ratio | 9.6673% | 4,088 |
| Tier 1 risk-based capital ratio | 12.8829% | 4,989 |
| Total risk-based capital ratio | 14.1341% | 4,922 |
| Memoranda: | ||
| Average total assets | $134,778,000 | 3,947 |
| Average earning assets | $130,655,000 | 3,796 |
| Average equity | $13,090,670 | 4,203 |
| Average total loans | $94,901,670 | 3,564 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 5,030 |
| Cost of funding earning assets | 0.1055% | 6,549 |
| Net interest margin | 3.5373% | 3,536 |
| Noninterest income to average assets | 0.0558% | 6,469 |
| Noninterest expense to average assets | 2.4212% | 4,870 |
| Loan and lease loss provision to assets | 0.1763% | 1,367 |
| Net operating income to assets | 0.9080% | 2,614 |
| Return on assets (ROA) | 0.9080% | 2,683 |
| Pretax return on assets | 0.9080% | 3,666 |
| Return on Equity (ROE) | 9.5418% | 2,231 |
| Retained earnings to average equity (ytd only) | -3.4894% | 6,011 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0696% | 3,988 |
| Assets per employee ($millions) | 8.4517% | 406 |
| Cash dividends to net income (ytd only)* | 136.5696% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.6579% | 2,957 |
| Net loans and leases to deposits | 70.0045% | 3,599 |
| Net loans and leases to core deposits | 71.2867% | 3,951 |
| Total domestic deposits to total assets | 90.9340% | 600 |
| Equity capital to assets | 8.9770% | 5,142 |
| Core capital (leverage) ratio | 9.6488% | 4,065 |
| Tier 1 risk-based capital ratio | 13.4534% | 4,725 |
| Total risk-based capital ratio | 14.7050% | 4,660 |
| Memoranda: | ||
| Average total assets | $136,130,500 | 3,957 |
| Average earning assets | $132,756,000 | 3,789 |
| Average equity | $12,953,500 | 4,247 |
| Average total loans | $90,407,000 | 3,693 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,448 |
| Cost of funding earning assets | 0.1133% | 6,643 |
| Net interest margin | 4.0589% | 1,769 |
| Noninterest income to average assets | 0.0704% | 6,482 |
| Noninterest expense to average assets | 2.7695% | 3,837 |
| Loan and lease loss provision to assets | 0.0756% | 3,593 |
| Net operating income to assets | 1.1653% | 1,699 |
| Return on assets (ROA) | 1.1653% | 1,759 |
| Pretax return on assets | 1.1653% | 2,709 |
| Return on Equity (ROE) | 10.6874% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.1384% | 1,383 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0570% | 4,001 |
| Assets per employee ($millions) | 7.1434% | 710 |
| Cash dividends to net income (ytd only)* | 33.2075% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.4472% | 2,445 |
| Net loans and leases to deposits | 75.1829% | 3,069 |
| Net loans and leases to core deposits | 76.9739% | 3,495 |
| Total domestic deposits to total assets | 89.7108% | 1,218 |
| Equity capital to assets | 10.1173% | 3,607 |
| Core capital (leverage) ratio | 10.0923% | 3,442 |
| Tier 1 risk-based capital ratio | 14.1936% | 4,156 |
| Total risk-based capital ratio | 15.4450% | 4,102 |
| Memoranda: | ||
| Average total assets | $113,702,200 | 4,417 |
| Average earning assets | $110,373,600 | 4,249 |
| Average equity | $12,397,800 | 4,375 |
| Average total loans | $81,828,800 | 3,882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,977 |
| Cost of funding earning assets | 0.1163% | 6,732 |
| Net interest margin | 4.1877% | 1,374 |
| Noninterest income to average assets | 0.0752% | 6,557 |
| Noninterest expense to average assets | 2.9665% | 3,091 |
| Loan and lease loss provision to assets | 0.0800% | 3,460 |
| Net operating income to assets | 1.0886% | 2,046 |
| Return on assets (ROA) | 1.0886% | 2,126 |
| Pretax return on assets | 1.0886% | 3,159 |
| Return on Equity (ROE) | 9.7779% | 2,270 |
| Retained earnings to average equity (ytd only) | 5.0523% | 3,039 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7385% | 3,453 |
| Assets per employee ($millions) | 6.1846% | 1,118 |
| Cash dividends to net income (ytd only)* | 48.3296% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.2009% | 1,928 |
| Net loans and leases to deposits | 79.3383% | 2,502 |
| Net loans and leases to core deposits | 81.5590% | 2,931 |
| Total domestic deposits to total assets | 88.4830% | 1,846 |
| Equity capital to assets | 11.3068% | 2,465 |
| Core capital (leverage) ratio | 11.3446% | 2,169 |
| Tier 1 risk-based capital ratio | 14.8693% | 3,834 |
| Total risk-based capital ratio | 16.1227% | 3,790 |
| Memoranda: | ||
| Average total assets | $109,982,250 | 4,537 |
| Average earning assets | $106,626,750 | 4,391 |
| Average equity | $12,245,000 | 4,450 |
| Average total loans | $80,284,000 | 3,962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 3,014 |
| Cost of funding earning assets | 0.1104% | 6,804 |
| Net interest margin | 4.1751% | 1,346 |
| Noninterest income to average assets | 0.0749% | 6,604 |
| Noninterest expense to average assets | 2.9872% | 3,041 |
| Loan and lease loss provision to assets | 0.1205% | 2,816 |
| Net operating income to assets | 1.0408% | 2,147 |
| Return on assets (ROA) | 1.0408% | 2,269 |
| Pretax return on assets | 1.0408% | 3,327 |
| Return on Equity (ROE) | 9.3974% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.3411% | 4,802 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0070% | 3,464 |
| Assets per employee ($millions) | 5.9044% | 1,276 |
| Cash dividends to net income (ytd only)* | 75.0877% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 80.0593% | 531 |
| Net loans and leases to deposits | 90.6637% | 1,084 |
| Net loans and leases to core deposits | 92.3333% | 1,678 |
| Total domestic deposits to total assets | 88.3035% | 2,041 |
| Equity capital to assets | 11.5393% | 2,258 |
| Core capital (leverage) ratio | 11.4093% | 2,013 |
| Tier 1 risk-based capital ratio | 13.7289% | 4,623 |
| Total risk-based capital ratio | 14.9804% | 4,588 |
| Memoranda: | ||
| Average total assets | $109,535,670 | 4,574 |
| Average earning assets | $106,872,000 | 4,413 |
| Average equity | $12,131,000 | 4,502 |
| Average total loans | $80,574,670 | 3,968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 3,597 |
| Cost of funding earning assets | 0.1140% | 6,880 |
| Net interest margin | 4.0159% | 1,725 |
| Noninterest income to average assets | 0.0756% | 6,653 |
| Noninterest expense to average assets | 2.8858% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1191% | 1,782 |
| Return on assets (ROA) | 1.1191% | 1,893 |
| Pretax return on assets | 1.1191% | 2,887 |
| Return on Equity (ROE) | 10.3112% | 1,953 |
| Retained earnings to average equity (ytd only) | -3.6802% | 6,250 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0575% | 3,604 |
| Assets per employee ($millions) | 6.1137% | 1,183 |
| Cash dividends to net income (ytd only)* | 135.6913% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.6343% | 890 |
| Net loans and leases to deposits | 85.6466% | 1,393 |
| Net loans and leases to core deposits | 87.2590% | 1,984 |
| Total domestic deposits to total assets | 88.3098% | 2,122 |
| Equity capital to assets | 11.5555% | 2,363 |
| Core capital (leverage) ratio | 11.1031% | 2,176 |
| Tier 1 risk-based capital ratio | 14.8734% | 3,924 |
| Total risk-based capital ratio | 16.1267% | 3,881 |
| Memoranda: | ||
| Average total assets | $111,163,500 | 4,595 |
| Average earning assets | $108,768,000 | 4,400 |
| Average equity | $12,064,500 | 4,560 |
| Average total loans | $77,687,000 | 4,072 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 4,899 |
| Cost of funding earning assets | 0.1310% | 6,960 |
| Net interest margin | 3.9818% | 2,472 |
| Noninterest income to average assets | 0.0713% | 6,616 |
| Noninterest expense to average assets | 2.6609% | 4,536 |
| Loan and lease loss provision to assets | 0.2978% | 2,298 |
| Net operating income to assets | 1.0061% | 2,310 |
| Return on assets (ROA) | 1.0061% | 2,529 |
| Pretax return on assets | 1.0061% | 3,527 |
| Return on Equity (ROE) | 9.7576% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.5301% | 692 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1142% | 4,309 |
| Assets per employee ($millions) | 7.8929% | 528 |
| Cash dividends to net income (ytd only)* | 2.3318% | 4,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.8165% | 3,092 |
| Net loans and leases to deposits | 70.1785% | 3,685 |
| Net loans and leases to core deposits | 71.5587% | 4,096 |
| Total domestic deposits to total assets | 89.5096% | 1,237 |
| Equity capital to assets | 10.2362% | 3,846 |
| Core capital (leverage) ratio | 10.9751% | 2,278 |
| Tier 1 risk-based capital ratio | 15.3820% | 3,494 |
| Total risk-based capital ratio | 16.6347% | 3,457 |
| Memoranda: | ||
| Average total assets | $110,828,000 | 4,575 |
| Average earning assets | $108,367,000 | 4,386 |
| Average equity | $11,427,000 | 4,682 |
| Average total loans | $70,602,200 | 4,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 5,175 |
| Cost of funding earning assets | 0.1402% | 7,057 |
| Net interest margin | 3.9631% | 2,656 |
| Noninterest income to average assets | 0.0710% | 6,735 |
| Noninterest expense to average assets | 2.6841% | 4,431 |
| Loan and lease loss provision to assets | 0.4039% | 1,587 |
| Net operating income to assets | 0.8567% | 3,184 |
| Return on assets (ROA) | 0.8567% | 3,433 |
| Pretax return on assets | 0.8567% | 4,269 |
| Return on Equity (ROE) | 8.2931% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.0443% | 1,603 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0422% | 4,054 |
| Assets per employee ($millions) | 7.0669% | 721 |
| Cash dividends to net income (ytd only)* | 3.0001% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 75.3585% | 1,070 |
| Net loans and leases to deposits | 84.8943% | 1,748 |
| Net loans and leases to core deposits | 86.7794% | 2,371 |
| Total domestic deposits to total assets | 88.7674% | 1,554 |
| Equity capital to assets | 11.0128% | 3,260 |
| Core capital (leverage) ratio | 10.3520% | 3,102 |
| Tier 1 risk-based capital ratio | 14.2416% | 4,355 |
| Total risk-based capital ratio | 15.4945% | 4,322 |
| Memoranda: | ||
| Average total assets | $108,936,500 | 4,665 |
| Average earning assets | $106,479,250 | 4,478 |
| Average equity | $11,254,000 | 4,758 |
| Average total loans | $69,360,750 | 4,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 5,977 |
| Cost of funding earning assets | 0.1431% | 7,129 |
| Net interest margin | 3.7307% | 3,680 |
| Noninterest income to average assets | 0.0655% | 6,804 |
| Noninterest expense to average assets | 2.6967% | 4,444 |
| Loan and lease loss provision to assets | 0.4986% | 1,275 |
| Net operating income to assets | 0.5240% | 4,702 |
| Return on assets (ROA) | 0.5240% | 4,977 |
| Pretax return on assets | 0.5240% | 5,379 |
| Return on Equity (ROE) | 5.1827% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.9307% | 3,319 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5049% | 3,341 |
| Assets per employee ($millions) | 7.4376% | 596 |
| Cash dividends to net income (ytd only)* | 4.8611% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.6401% | 2,334 |
| Net loans and leases to deposits | 75.3542% | 3,070 |
| Net loans and leases to core deposits | 77.5991% | 3,573 |
| Total domestic deposits to total assets | 89.7628% | 1,066 |
| Equity capital to assets | 10.0991% | 4,186 |
| Core capital (leverage) ratio | 10.1924% | 3,155 |
| Tier 1 risk-based capital ratio | 14.2999% | 4,241 |
| Total risk-based capital ratio | 15.5525% | 4,199 |
| Memoranda: | ||
| Average total assets | $109,914,000 | 4,674 |
| Average earning assets | $107,646,670 | 4,469 |
| Average equity | $11,114,000 | 4,789 |
| Average total loans | $65,454,330 | 4,585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 6,381 |
| Cost of funding earning assets | 0.1500% | 7,187 |
| Net interest margin | 3.5847% | 4,330 |
| Noninterest income to average assets | 0.0660% | 6,872 |
| Noninterest expense to average assets | 2.7354% | 4,297 |
| Loan and lease loss provision to assets | 0.4657% | 1,319 |
| Net operating income to assets | 0.3703% | 5,383 |
| Return on assets (ROA) | 0.3703% | 5,566 |
| Pretax return on assets | 0.3703% | 5,809 |
| Return on Equity (ROE) | 3.6602% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.3703% | 4,549 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5914% | 2,698 |
| Assets per employee ($millions) | 7.2573% | 660 |
| Cash dividends to net income (ytd only)* | 7.9208% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.7494% | 3,912 |
| Net loans and leases to deposits | 65.4743% | 4,438 |
| Net loans and leases to core deposits | 67.4741% | 4,735 |
| Total domestic deposits to total assets | 89.7289% | 1,230 |
| Equity capital to assets | 10.1829% | 3,873 |
| Core capital (leverage) ratio | 10.5609% | 2,685 |
| Tier 1 risk-based capital ratio | 16.5211% | 2,902 |
| Total risk-based capital ratio | 17.7745% | 2,865 |
| Memoranda: | ||
| Average total assets | $109,089,000 | 4,727 |
| Average earning assets | $106,676,000 | 4,524 |
| Average equity | $11,037,500 | 4,820 |
| Average total loans | $59,880,000 | 4,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 6,856 |
| Cost of funding earning assets | 0.2393% | 7,189 |
| Net interest margin | 3.4540% | 5,313 |
| Noninterest income to average assets | 0.0669% | 6,763 |
| Noninterest expense to average assets | 2.6130% | 5,045 |
| Loan and lease loss provision to assets | 0.2788% | 3,434 |
| Net operating income to assets | 0.5554% | 4,209 |
| Return on assets (ROA) | 0.5554% | 4,395 |
| Pretax return on assets | 0.5554% | 4,817 |
| Return on Equity (ROE) | 5.1013% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.1013% | 2,560 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8007% | 2,913 |
| Assets per employee ($millions) | 8.4092% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.3464% | 5,679 |
| Net loans and leases to deposits | 54.9540% | 5,984 |
| Net loans and leases to core deposits | 56.8033% | 6,094 |
| Total domestic deposits to total assets | 89.7959% | 1,102 |
| Equity capital to assets | 10.0531% | 4,101 |
| Core capital (leverage) ratio | 10.6758% | 2,549 |
| Tier 1 risk-based capital ratio | 18.9196% | 1,924 |
| Total risk-based capital ratio | 20.1728% | 1,883 |
| Memoranda: | ||
| Average total assets | $89,667,000 | 5,191 |
| Average earning assets | $87,753,800 | 4,996 |
| Average equity | $9,762,200 | 5,081 |
| Average total loans | $45,361,400 | 5,447 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 6,852 |
| Cost of funding earning assets | 0.2683% | 7,260 |
| Net interest margin | 3.5203% | 5,104 |
| Noninterest income to average assets | 0.0692% | 6,880 |
| Noninterest expense to average assets | 2.7184% | 4,660 |
| Loan and lease loss provision to assets | 0.2737% | 3,318 |
| Net operating income to assets | 0.5239% | 4,439 |
| Return on assets (ROA) | 0.5239% | 4,617 |
| Pretax return on assets | 0.5239% | 5,064 |
| Return on Equity (ROE) | 4.6957% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.6957% | 3,379 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3154% | 2,640 |
| Assets per employee ($millions) | 7.6928% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 3,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 51.9580% | 5,454 |
| Net loans and leases to deposits | 58.9405% | 5,753 |
| Net loans and leases to core deposits | 61.3484% | 5,872 |
| Total domestic deposits to total assets | 88.1533% | 1,952 |
| Equity capital to assets | 11.7026% | 2,490 |
| Core capital (leverage) ratio | 12.0056% | 1,704 |
| Tier 1 risk-based capital ratio | 22.0627% | 1,276 |
| Total risk-based capital ratio | 23.3167% | 1,253 |
| Memoranda: | ||
| Average total assets | $84,754,000 | 5,362 |
| Average earning assets | $82,982,250 | 5,187 |
| Average equity | $9,455,250 | 5,189 |
| Average total loans | $42,998,750 | 5,603 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 6,934 |
| Cost of funding earning assets | 0.3026% | 7,305 |
| Net interest margin | 3.4846% | 5,226 |
| Noninterest income to average assets | 0.0705% | 6,958 |
| Noninterest expense to average assets | 2.7628% | 4,580 |
| Loan and lease loss provision to assets | 0.3405% | 2,742 |
| Net operating income to assets | 0.3843% | 5,024 |
| Return on assets (ROA) | 0.3843% | 5,162 |
| Pretax return on assets | 0.3843% | 5,441 |
| Return on Equity (ROE) | 3.5088% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.5088% | 4,017 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2190% | 2,520 |
| Assets per employee ($millions) | 7.4900% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 3,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.3393% | 5,777 |
| Net loans and leases to deposits | 56.0935% | 6,126 |
| Net loans and leases to core deposits | 58.2161% | 6,255 |
| Total domestic deposits to total assets | 89.7419% | 1,102 |
| Equity capital to assets | 10.1402% | 3,965 |
| Core capital (leverage) ratio | 10.7111% | 2,509 |
| Tier 1 risk-based capital ratio | 19.7486% | 1,657 |
| Total risk-based capital ratio | 21.0033% | 1,629 |
| Memoranda: | ||
| Average total assets | $82,234,330 | 5,484 |
| Average earning assets | $80,640,330 | 5,302 |
| Average equity | $9,006,000 | 5,325 |
| Average total loans | $41,080,000 | 5,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 6,981 |
| Cost of funding earning assets | 0.3171% | 7,361 |
| Net interest margin | 3.4573% | 5,192 |
| Noninterest income to average assets | 0.0663% | 7,061 |
| Noninterest expense to average assets | 2.7955% | 4,462 |
| Loan and lease loss provision to assets | 0.4846% | 1,817 |
| Net operating income to assets | 0.1785% | 5,857 |
| Return on assets (ROA) | 0.1785% | 5,908 |
| Pretax return on assets | 0.1785% | 5,990 |
| Return on Equity (ROE) | 1.5639% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.5639% | 5,173 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8260% | 2,395 |
| Assets per employee ($millions) | 6.7217% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.7034% | 5,618 |
| Net loans and leases to deposits | 58.2450% | 5,900 |
| Net loans and leases to core deposits | 61.3204% | 5,989 |
| Total domestic deposits to total assets | 88.7689% | 1,919 |
| Equity capital to assets | 11.1282% | 2,557 |
| Core capital (leverage) ratio | 11.2052% | 2,030 |
| Tier 1 risk-based capital ratio | 17.4413% | 2,320 |
| Total risk-based capital ratio | 18.6927% | 2,285 |
| Memoranda: | ||
| Average total assets | $78,411,500 | 5,634 |
| Average earning assets | $76,939,000 | 5,449 |
| Average equity | $8,952,000 | 5,348 |
| Average total loans | $38,619,000 | 5,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 6,931 |
| Cost of funding earning assets | 0.4539% | 7,362 |
| Net interest margin | 3.7409% | 4,173 |
| Noninterest income to average assets | 0.0818% | 6,981 |
| Noninterest expense to average assets | 3.1954% | 3,112 |
| Loan and lease loss provision to assets | 0.2903% | 4,473 |
| Net operating income to assets | 0.2403% | 5,136 |
| Return on assets (ROA) | 0.2403% | 5,290 |
| Pretax return on assets | 0.2403% | 5,378 |
| Return on Equity (ROE) | 1.6433% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.6433% | 4,696 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7591% | 1,718 |
| Assets per employee ($millions) | 7.6163% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.9103% | 6,643 |
| Net loans and leases to deposits | 50.9617% | 6,807 |
| Net loans and leases to core deposits | 53.8348% | 6,822 |
| Total domestic deposits to total assets | 88.1255% | 2,179 |
| Equity capital to assets | 11.7222% | 2,105 |
| Core capital (leverage) ratio | 12.0242% | 1,530 |
| Tier 1 risk-based capital ratio | 21.4019% | 1,262 |
| Total risk-based capital ratio | 22.6532% | 1,236 |
| Memoranda: | ||
| Average total assets | $59,929,200 | 6,207 |
| Average earning assets | $58,381,800 | 6,048 |
| Average equity | $8,762,800 | 5,488 |
| Average total loans | $32,290,800 | 6,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 6,879 |
| Cost of funding earning assets | 0.4695% | 7,488 |
| Net interest margin | 3.8887% | 3,578 |
| Noninterest income to average assets | 0.0788% | 7,139 |
| Noninterest expense to average assets | 3.5605% | 1,879 |
| Loan and lease loss provision to assets | 0.3389% | 3,891 |
| Net operating income to assets | -0.0453% | 6,088 |
| Return on assets (ROA) | -0.0453% | 6,202 |
| Pretax return on assets | -0.0453% | 6,162 |
| Return on Equity (ROE) | -0.2904% | 6,184 |
| Retained earnings to average equity (ytd only) | -0.2904% | 5,854 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3839% | 1,095 |
| Assets per employee ($millions) | 7.3520% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 3,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.2720% | 6,754 |
| Net loans and leases to deposits | 51.5041% | 6,911 |
| Net loans and leases to core deposits | 54.5219% | 6,931 |
| Total domestic deposits to total assets | 87.8999% | 2,016 |
| Equity capital to assets | 11.9042% | 2,223 |
| Core capital (leverage) ratio | 13.5396% | 1,048 |
| Tier 1 risk-based capital ratio | 21.0998% | 1,342 |
| Total risk-based capital ratio | 22.3487% | 1,320 |
| Memoranda: | ||
| Average total assets | $55,870,750 | 6,419 |
| Average earning assets | $54,241,750 | 6,270 |
| Average equity | $8,721,500 | 5,570 |
| Average total loans | $31,658,000 | 6,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 6,373 |
| Cost of funding earning assets | 0.4786% | 7,570 |
| Net interest margin | 4.1507% | 2,332 |
| Noninterest income to average assets | 0.0880% | 7,140 |
| Noninterest expense to average assets | 3.8890% | 1,205 |
| Loan and lease loss provision to assets | 0.4561% | 3,039 |
| Net operating income to assets | -0.2321% | 6,394 |
| Return on assets (ROA) | -0.2321% | 6,436 |
| Pretax return on assets | -0.2321% | 6,363 |
| Return on Equity (ROE) | -1.3316% | 6,358 |
| Retained earnings to average equity (ytd only) | -1.3316% | 6,035 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5525% | 1,037 |
| Assets per employee ($millions) | 6.1851% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.8851% | 5,268 |
| Net loans and leases to deposits | 69.9285% | 5,288 |
| Net loans and leases to core deposits | 75.7161% | 5,229 |
| Total domestic deposits to total assets | 84.2076% | 4,010 |
| Equity capital to assets | 15.6271% | 740 |
| Core capital (leverage) ratio | 16.5945% | 485 |
| Tier 1 risk-based capital ratio | 23.0718% | 1,062 |
| Total risk-based capital ratio | 24.3237% | 1,038 |
| Memoranda: | ||
| Average total assets | $49,987,670 | 6,650 |
| Average earning assets | $48,473,670 | 6,532 |
| Average equity | $8,711,330 | 5,582 |
| Average total loans | $30,921,000 | 6,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 6,456 |
| Cost of funding earning assets | 0.4836% | 7,697 |
| Net interest margin | 4.1500% | 2,239 |
| Noninterest income to average assets | 0.0933% | 7,240 |
| Noninterest expense to average assets | 3.8262% | 1,288 |
| Loan and lease loss provision to assets | 0.6024% | 2,110 |
| Net operating income to assets | -0.3309% | 6,692 |
| Return on assets (ROA) | -0.3309% | 6,744 |
| Pretax return on assets | -0.3309% | 6,667 |
| Return on Equity (ROE) | -1.7895% | 6,619 |
| Retained earnings to average equity (ytd only) | -1.7895% | 6,180 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3747% | 1,175 |
| Assets per employee ($millions) | 5.3223% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.9005% | 3,875 |
| Net loans and leases to deposits | 80.6907% | 3,516 |
| Net loans and leases to core deposits | 88.8185% | 3,518 |
| Total domestic deposits to total assets | 81.6705% | 5,207 |
| Equity capital to assets | 18.1729% | 407 |
| Core capital (leverage) ratio | 18.4100% | 347 |
| Tier 1 risk-based capital ratio | 24.1016% | 955 |
| Total risk-based capital ratio | 25.3530% | 936 |
| Memoranda: | ||
| Average total assets | $47,148,500 | 6,836 |
| Average earning assets | $45,494,500 | 6,728 |
| Average equity | $8,717,500 | 5,623 |
| Average total loans | $29,713,500 | 6,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 7,765 |
| Cost of funding earning assets | 0.6625% | 7,728 |
| Net interest margin | 3.1176% | 6,319 |
| Noninterest income to average assets | 0.0926% | 7,301 |
| Noninterest expense to average assets | 4.5055% | 798 |
| Loan and lease loss provision to assets | 0.9236% | 2,431 |
| Net operating income to assets | -2.3243% | 7,208 |
| Return on assets (ROA) | -2.3243% | 7,210 |
| Pretax return on assets | -2.3243% | 7,074 |
| Return on Equity (ROE) | -9.1240% | 6,548 |
| Retained earnings to average equity (ytd only) | -9.1240% | 6,443 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.1175% | 350 |
| Assets per employee ($millions) | 5.1551% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 3,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.9878% | 5,668 |
| Net loans and leases to deposits | 77.0226% | 4,558 |
| Net loans and leases to core deposits | 95.3603% | 4,532 |
| Total domestic deposits to total assets | 75.2867% | 6,813 |
| Equity capital to assets | 18.8163% | 384 |
| Core capital (leverage) ratio | 20.7083% | 249 |
| Tier 1 risk-based capital ratio | 27.5925% | 666 |
| Total risk-based capital ratio | 28.8441% | 649 |
| Memoranda: | ||
| Average total assets | $35,623,200 | 7,257 |
| Average earning assets | $34,417,600 | 7,167 |
| Average equity | $9,075,000 | 5,584 |
| Average total loans | $15,714,800 | 7,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 7,912 |
| Cost of funding earning assets | 0.7098% | 7,801 |
| Net interest margin | 2.9226% | 6,796 |
| Noninterest income to average assets | 0.0486% | 7,658 |
| Noninterest expense to average assets | 4.7858% | 573 |
| Loan and lease loss provision to assets | 0.8867% | 2,171 |
| Net operating income to assets | -2.7897% | 7,536 |
| Return on assets (ROA) | -2.7897% | 7,542 |
| Pretax return on assets | -2.7897% | 7,449 |
| Return on Equity (ROE) | -10.0275% | 6,901 |
| Retained earnings to average equity (ytd only) | -10.0275% | 6,812 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.0112% | 255 |
| Assets per employee ($millions) | 4.5097% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.7496% | 6,887 |
| Net loans and leases to deposits | 62.6199% | 6,623 |
| Net loans and leases to core deposits | 79.1187% | 6,411 |
| Total domestic deposits to total assets | 77.8501% | 6,129 |
| Equity capital to assets | 21.8173% | 252 |
| Core capital (leverage) ratio | 22.8257% | 214 |
| Tier 1 risk-based capital ratio | 36.3834% | 351 |
| Total risk-based capital ratio | 37.6366% | 341 |
| Memoranda: | ||
| Average total assets | $32,930,000 | 7,427 |
| Average earning assets | $31,934,750 | 7,333 |
| Average equity | $9,161,250 | 5,610 |
| Average total loans | $12,806,750 | 7,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 8,049 |
| Cost of funding earning assets | 0.7354% | 7,892 |
| Net interest margin | 2.6217% | 7,332 |
| Noninterest income to average assets | 0.0395% | 7,790 |
| Noninterest expense to average assets | 5.0103% | 509 |
| Loan and lease loss provision to assets | 1.0666% | 1,600 |
| Net operating income to assets | -3.5026% | 7,766 |
| Return on assets (ROA) | -3.5026% | 7,765 |
| Pretax return on assets | -3.5026% | 7,678 |
| Return on Equity (ROE) | -11.4862% | 7,137 |
| Retained earnings to average equity (ytd only) | -11.4862% | 7,007 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.6292% | 211 |
| Assets per employee ($millions) | 4.0606% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.1480% | 7,439 |
| Net loans and leases to deposits | 56.1375% | 7,159 |
| Net loans and leases to core deposits | 67.6193% | 7,141 |
| Total domestic deposits to total assets | 75.0800% | 6,751 |
| Equity capital to assets | 24.6217% | 211 |
| Core capital (leverage) ratio | 27.8016% | 163 |
| Tier 1 risk-based capital ratio | 47.6110% | 205 |
| Total risk-based capital ratio | 48.9126% | 201 |
| Memoranda: | ||
| Average total assets | $30,377,670 | 7,588 |
| Average earning assets | $29,370,330 | 7,510 |
| Average equity | $9,263,330 | 5,593 |
| Average total loans | $10,369,330 | 7,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 8,129 |
| Cost of funding earning assets | 0.8051% | 7,905 |
| Net interest margin | 2.3241% | 7,690 |
| Noninterest income to average assets | 0.0440% | 7,863 |
| Noninterest expense to average assets | 5.2026% | 426 |
| Loan and lease loss provision to assets | 0.4250% | 2,798 |
| Net operating income to assets | -3.3414% | 7,894 |
| Return on assets (ROA) | -3.3414% | 7,895 |
| Pretax return on assets | -3.3414% | 7,815 |
| Return on Equity (ROE) | -9.7063% | 7,344 |
| Retained earnings to average equity (ytd only) | -9.7063% | 7,083 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.5641% | 147 |
| Assets per employee ($millions) | 3.8416% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 2,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 27.1597% | 7,977 |
| Net loans and leases to deposits | 39.0193% | 7,872 |
| Net loans and leases to core deposits | 45.8979% | 7,871 |
| Total domestic deposits to total assets | 69.6060% | 7,463 |
| Equity capital to assets | 30.2248% | 143 |
| Core capital (leverage) ratio | 32.2009% | 133 |
| Tier 1 risk-based capital ratio | 76.1393% | 96 |
| Total risk-based capital ratio | 77.3115% | 95 |
| Memoranda: | ||
| Average total assets | $27,294,000 | 7,756 |
| Average earning assets | $26,333,000 | 7,669 |
| Average equity | $9,396,000 | 5,568 |
| Average total loans | $7,714,500 | 8,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7725% | 8,272 |
| Cost of funding earning assets | 0.3380% | 8,215 |
| Net interest margin | 0.4345% | 8,272 |
| Noninterest income to average assets | 0.0103% | 8,064 |
| Noninterest expense to average assets | 2.3048% | 6,687 |
| Loan and lease loss provision to assets | 0.5852% | 2,482 |
| Net operating income to assets | -2.4639% | 7,699 |
| Return on assets (ROA) | -2.4639% | 7,670 |
| Pretax return on assets | -2.4639% | 7,582 |
| Return on Equity (ROE) | -4.9439% | 6,858 |
| Retained earnings to average equity (ytd only) | -4.9439% | 6,504 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 540.9639% | 39 |
| Assets per employee ($millions) | 2.9819% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 2,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 28.6104% | 8,022 |
| Net loans and leases to deposits | 47.6540% | 7,724 |
| Net loans and leases to core deposits | 50.7133% | 7,872 |
| Total domestic deposits to total assets | 60.0377% | 7,965 |
| Equity capital to assets | 39.8365% | 102 |
| Core capital (leverage) ratio | 46.7253% | 89 |
| Tier 1 risk-based capital ratio | 95.4692% | 85 |
| Total risk-based capital ratio | 95.4692% | 85 |
| Memoranda: | ||
| Average total assets | $19,481,500 | 8,032 |
| Average earning assets | $18,641,500 | 7,981 |
| Average equity | $9,709,000 | 5,506 |
| Average total loans | $3,469,500 | 8,209 |